CAPITOL BANCORP LIMITED

PARAGON BANK & TRUST

Randall R. Smith, President & CEO

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At Paragon Bank & Trust, we have spent a considerable amount of time and energy on business development with our board of directors and staff. Our team is focused on high-touch client service, high-profile community involvement and leveraging these activities to develop new business for the bank.

Our team is focused on high-touch client service.

Paragon Bank & Trust maintains a high-profile in the community. We are active with the Holland Chamber of Commerce, dozens of local nonprofit organizations and the United Way of Ottawa County, which funds hundreds of local organizations that assist deserving neighbors and keep our community attractive for business.

We have reported 100 percent employee participation in the United Way campaign for the past several years, remaining active in the campaign from start to finish. We always field a team of employee volunteers for the Day of Caring at the start of the campaign. During the campaign, there are weekly events and fundraisers to maintain the campaign excitement. Then we treat our staff to a luncheon at the end of the campaign to thank them for their dedication.

Our employees are engaged in every aspect of our bank. Employee involvement, we believe, is the most effective way for them to remain committed to our shared goals. In addition to promoting and providing a high level of client service, all employees are encouraged to serve on one or more bank committees devoted to business development, marketing, client appreciation, charitable contributions and community involvement. We also have a sign committee that determines the type of timely messages that will be displayed on the electronic sign in front of the bank. Our social committee plans employee events that promote camaraderie and team building.

In the community, the bank maintains an active presence. In 2007, our employees staffed an exhibition table and handed out brochures at such events as the Business to Business Showcase, Senior Expo and the Holland Tulip Time festival.

This steady employee involvement in business and the community is our strategy for building on our past achievements and ensuring a profitable future for Paragon Bank & Trust.

— Randall R. Smith, President & CE

240 East 8th Street | Holland, MI 49423
616.394.9600 | www.paragonbank.com

Trust & Investments Division
616.394.9055

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BOARD OF DIRECTORS

Robert J. Bates, MD
Physician
Western Michigan Urological Assoc., PC

Charles A. Brower
CPA & Partner
DeLong & Brower, PC

Scott Diepenhorst
Principal
SD & Associates, Inc.

Paul Elzinga
President
Paul Elzinga
Consulting, Inc., PC
Chairman Emeritus
Elzinga & Volkers, Inc.

Michael P. Haverdink
President
Ottawa Kent Insurance Agency, Inc.

Lee W. Hendrickson
Chief Financial Officer
Capitol Bancorp Limited

Grant M. Kasten
President
Kasten Insulation Services, Inc

Lawrence D. Kerkstra
Chairman
Kerkstra Precast, Inc.

Scott G. Kling
President
Trust Operations
Paragon Bank & Trust

Leonard Maas
President
L & M Maas Investments, LLC

Mitchell W. Padnos
Executive Vice President
Louis Padnos Iron & Metal Company

Richard H. Ruch
Director Emeritus

Randall R. Smith
President & CEO
Paragon Bank & Trust

Richard G. Swaney
Attorney at Law
Swaney & Thomas, PC

Ned B. Timmer
President
T2 Communications

Barry L. Werkman
Retired Vice
President of Finance
Hope College

ADVISORY DIRECTOR

Robert J. Trameri
Director Emeritus
Retired Chairman
Paragon Bank & Trust


OFFICERS

Richard G. Swaney
Chairman

Charles A. Brower
Vice Chairman & Secretary

Randall R. Smith
President & CEO

Scott G. Kling
President
Trust Operations

C. Steven DeLoof
Senior Vice President & CCO

M. Jane Riemersma
Vice President

Alan K. Yamaoka
Vice President