CAPITOL BANCORP LIMITED

USNY BANK

R. Michael Briggs, President & CEO

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USNY Bank debuted in July 2007 as Capitol Bancorp’s first bank established in New York state and the Northeast Region. We have banking operations in two distinct markets about 150 miles apart in upstate New York. We operate in Geneva on beautiful Seneca Lake as Bank of the Finger Lakes and in Cooperstown, home to the National Baseball Hall of Fame, as Bank of Cooperstown.

The Finger Lakes region of New York is known for majestic, glacier-formed lakes and a rapidly developing winery business. Our main focus at Bank of the Finger Lakes is to provide financing to small and mid-size businesses, agribusinesses, diversified agricultural operations, commercial real estate owners and developers, professional practices and individuals throughout the central Finger Lakes.

We are positioned to move forward and continue our growth.

We have developed strong relationships with some area wineries since we have been open. Red Tail Ridge Winery is one example of these relationships. Nancy Irelan and Mike Schnelle relocated from California with plans to establish a high-quality vineyard and winery operation. They were looking for financing to help complete their vineyard development project and construct a new tasting room. Working closely with our clients, we put together a financing package that helped them complete the first phase of their long-term plans.

Cooperstown is well-known as the community where the game of baseball was invented and the Hall of Fame is located. It is also home to many other museums. Our main focus at Bank of Cooperstown is to provide locally-delivered banking solutions to businesses, tourism-related enterprises, professional practices and individuals throughout this beautiful region.

We have been fortunate to assemble an exceptional team of experienced bankers and an active board of directors. Each location has also established their own boards with members specifically from the Finger Lakes and Cooperstown markets to help us grow USNY Bank through referrals from their business contacts within these respective communities.

We are most grateful for the positive market reception and strong support we have received in 2007. We are positioned to move forward and continue our growth as we become further established in our communities.

— R. Michael Briggs, President & CEO

73 Chestnut Street | Cooperstown, NY 13326
607.547.2210 | www.bankofcooperstown.com

389 Hamilton Street | Geneva, NY 14456
315.789.1500 | www.bankofthefingerlakes.com

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BOARD OF DIRECTORS

R. Michael Briggs
President & CEO
USNY Bank

H. Taylor Fitch III
Retired

Murray P. Heaton
Partner
Heaton & Venuti, LLP

J. Michael Moffat
President
Black Ash Holding Company, Inc.

Robert F. O’Neill
Retired

Robert Ranger
Owner
RWR Funding

Joseph D. Reid
Chairman & CEO
Capitol Bancorp Limited

Bruce A. Thomas
President of Bank Operations
Capitol Bancorp Limited


OFFICERS

Joseph D. Reid
Chairman

R. Michael Briggs
President & CEO

Jeffrey E. Franklin
President
Bank of the Finger Lakes

Scott D. White
President
Bank of Cooperstown

James E. Willson
Chief Credit Officer

Michelle D. Catan
Vice President

Michael A. Fratto
Vice President

Dawn E. Maltman
Operations Officer