AMERA MORTGAGE CORPORATION

Mark A. Janssen, CEO

For Amera Mortgage, 2007 was a period of expansion to meet the demands of a growing number of affiliate banks and one of change in adapting to the evolving landscape of the residential mortgage industry. Amera held two multi-state sales conferences for Capitol Bancorp, which brought mortgage originators together to address the needs of the national sales force. These were forums where mortgage loan officers could establish relationships, network and allow Amera’s management to discuss plans for future technology enhancements to aid in the origination of mortgage loans.

2007 was a period of expansion to meet the demands of a growing number of affiliate banks…

In the West, the sales meeting focused on bringing fresh ideas to the table. We shared best practices to spread the success experienced in markets throughout the expanding footprint of Capitol Bancorp. Mortgage lenders shared business plans and successful strategies while Capitol’s marketing department presented a variety of marketing tools created in conjunction with Amera and individual banks that are now available for use by mortgage lenders nationally.

In the East, additional focus was placed on sales success in the mortgage business. In particular, we looked at methods for setting and achieving sales and income goals through the utilization of specific sales and marketing strategies. Additionally, Amera focused on the changing mortgage landscape and the tools it is providing through its client service and product placement groups to ensure that Capitol Bancorp’s affiliate banks can continue to provide a wide array of mortgage products and services to their clients.

From a technology standpoint, we have begun a process to consolidate mortgage origination technology under a single umbrella while expanding our automated pricing and guideline engine. The pricing engine serves as a single point of reference for all investor products offered by Amera. We will also be evaluating a front-end origination tool that will complete this migration and further streamline the origination process.

As we move forward, we have positioned Amera Mortgage to meet the needs of a growing number of affiliate bank clients as well as the clients served by our retail originators. We vow to adapt responsibly to changes in our industry.

— Mark A. Janssen, CEO

 

BOARD OF DIRECTORS Susan L. Bowen Executive Vice President Amera Mortgage Corporation Melinda F. Cain Executive Vice President Amera Mortgage Corporation Lee W. Hendrickson Chief Financial Officer Capitol Bancorp Limited Mark A. Janssen CEO Amera Mortgage Corporation Lyle W. Miller President L. W. Miller Holding Company Jerald H. Rock President Amera Mortgage Corporation John C. Smythe President, Great Lakes Region Capitol Bancorp Limited OFFICERS John C. Smythe Chairman Mark A. Janssen CEO Jerald H. Rock President Lee W. Hendrickson Secretary & Treasurer Susan L. Bowen Executive Vice President     Melinda F. Cain Executive Vice President Kathleen M. DeFrances Executive Vice President John A. Korch Senior Vice President Sharon A. Pastori Senior Vice President & CFO James A. Sellick Senior Vice President Nancy J. Caruso Vice President Susan Good Vice President Melodie A. Haverkate Vice President Kathleen E. S. Lawrence Vice President Paul G. Richer Vice President Robert A. Risher Vice President James M. Shaffer Vice President Susan L. Shaffer Vice President