CAPITOL BANCORP LIMITED

SUMMIT BANK OF KANSAS CITY

Richard L. Viar, President

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There has been extraordinary excitement and many challenges for the team at Summit Bank of Kansas City during the bank’s second full year of business.

Our staff enjoys a competitive advantage that is rare in our community and industry.

In keeping with Capitol Bancorp’s unique business model and the latitude given to achieve our strategic objectives, we were able to enjoy several meaningful accomplishments in 2007:

Our bank was the sixth highest volume lender in the U.S. Small Business Administration’s Region VII and one of the top SBA loan producers for Capitol Bancorp.

The Kansas City Business Journal recognized our bank as one of the top 10 “Best Places to Work in Kansas City.”

We hosted our first annual “Fan Appreciation Day.” The baseball-themed event highlighted wealth management, residential mortgage, Internet banking and SBA lending, attracting more than 110 guests.

In keeping with our core value of Community Leadership, we formed strategic partnerships with a local middle school, area chambers of commerce and economic development councils to enhance business development.

We participated in a community-wide “Support our Troops” event honoring active and retired military personnel.

As we look to future opportunities, Summit Bank of Kansas City is solidly positioned to attract deposits, make loans and provide other products and services that maximize value for all of our customers. Our board members continue to take an exceptionally strong role in strengthening the bank’s business development program, each opening doors to new relationships that would otherwise be closed.

Our staff enjoys a competitive advantage that is rare in our community and industry — the advantage that results from being fully empowered to promptly meet the credit needs of our customers. More and more, Summit Bank of Kansas City is becoming the community bank of choice in the Kansas City metroplex.

Summit Bank of Kansas City is “Where Relationship and Opportunity Meet!”

— Richard L. Viar, President

1650 NE Grand, Suite 100 | Lee’s Summit, MO 64086
816.251.9000 | www.summitbankofkc.com

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BOARD OF DIRECTORS

Jack A. Accurso
Chairman
American Foodservice Company

Carl L. Chinnery
Attorney at Law
Chinnery, Evans & Nail, P.C.

William W. Coates IV
President
Billy Goat Industries

Roger L. Fender, DDS
Fender Family Dentistry

Robert F. Glaser
Vice President-Business
Development
Summit Bank of Kansas City

Harlan L. Limpus
Executive Member
Winterstone Golf Course

Kurt D. Pycior
President
Froehlich Pycior Companies

Stanley E. Ricketts
President, Midwest Region
Capitol Bancorp Limited

Carson Ross
Owner
Carson Ross Consulting

Diane J. Seif
President
DVA Enterprises Inc.

Steven M. Silverstein, MD, FACS
President
Silverstein Eye Centers, PC

Richard L. Viar
President
Summit Bank of Kansas City


OFFICERS

Stanley E. Ricketts
Chairman

Richard L. Viar
President

Phillip W. McElhaney
Executive Vice President, CCO & Secretary

Vicki L. Henderson
Senior Vice President & COO

Robert K. Dempski
Senior Vice President
Capitol Wealth Advisors

Patricia E. Case
Vice President

Robert F. Glaser
Vice President

Gregory L. Singleton
Vice President