CAPITOL BANCORP LIMITED

DESERT COMMUNITY BANK

James W. Howard, President & CEO

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The old adage, “It takes money to make money,” may have never been more true. The proliferation of banks and small business lenders is a testament to the business climate in the Las Vegas market. Our economy has been robust for many decades and we feel confident that it will remain healthy for many years to come.

In 2007, our bank became a U.S. Small Business Administration Preferred Lender.

Despite concerns in the housing market, there are reasons for optimism at Desert Community Bank. In 2007, our bank became a U.S. Small Business Administration Preferred Lender. This prestigious designation allows our bank to originate and authorize SBA loans immediately and meet the demand for SBA loans in our marketplace which remains relatively strong.

Also, in an effort to react more quickly to these market shifts, the bank last year created the position of marketing director. Larry Moulton, a vice president and business development veteran, has been given the job of studying the market, plotting strategy and acting proactively to combat external forces that may affect us in the short and long term. Thus far, Larry has been successful in managing our advertising, marketing and public appearances in a consistent and more productive manner. We appreciate his efforts and look forward to his continuing contributions in building the Desert Community Bank brand.

Our team celebrated Desert Community Bank’s eighth anniversary in 2007. We have faithfully served the Las Vegas community since 1999. We continue to offer a high level of personal banking and consulting services to help businesses maximize their potential and weather any economic storm that may come our way.

We stand ready to assist small businesses in Las Vegas with a full platter of financial services and decades of banking experience. We are very proud of our past business achievements and we are optimistic about the economic future of Las Vegas.

Desert Community Bank is bullish on business and the business community is just as bullish on Desert Community Bank!

— James W. Howard, President & CEO

3740 South Pecos-McLeod | Las Vegas, NV 89121
702.938.0500 | www.desertcommunity.com

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BOARD OF DIRECTORS

Robert A. Albano
President & CEO
American Asphalt & Grading

Robert J. Andrews
Chief Operating Officer
Ryan’s Express

Michael J. Devine
Attorney at Law

Rose M. K. Dominguez
Realtor
AC Sales Real Estate Services

Garry L. Hayes
President
Law Office of Garry L. Hayes

James W. Howard
President & CEO
Desert Community Bank

Larry W. Kifer
Chairman & CEO
Lilack, Inc.

Leland D. Pace
Partner
Stewart, Archibald & Barney, LLP

Vicki Paulbick
Private Property Manager

Thomas A. Smith
President & CEO
Group Two, Inc.

OFFICERS

Michael J. Devine
Chairman & Acting Secretary

Garry L. Hayes
Vice Chairman

James W. Howard
President & CEO

Gerald T. Buttaccio
Executive Vice President & CCO

Robert J. Beck
Senior Vice President

Rodney K. Chaney
Senior Vice President

Eileen S. Hagler
Senior Vice President

Michelle Scalzo
Senior Vice President

John J. Gentile
Vice President

Larry A. Moulton
Vice President