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AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 21
  Name of
    
    Type of
    
    State of
    
    Date ofEmployer
    
    Entity
    
    Organization
    
    ParticipationPoint Loma Community Bank
    
    Bank
    
    California
    
    1/1/2005
 CAPITOL BANCORP LIMITEDDated: January 25, 2005
    
    By:
    
    /s/ Joseph D. Reid

     Joseph D. ReidChairman and CEOPOINT LOMA COMMUNITY BANKDated: January 25, 2005
    
    By:
    
    /s/ Anthony Calabrese

     Anthony CalabresePresident and CEO




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AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 22
  Name of
    
    Type of
    
    State of
    
    Date ofEmployer
    
    Entity
    
    Organization
    
    ParticipationPeoples State Bank
    
    Bank
    
    Georgia
    
    6/1/2005
 CAPITOL BANCORP LIMITEDDated: June 8, 2005
    
    By:
    
    /s/ Joseph D. Reid

     Joseph D. ReidChairman and CEOPEOPLES STATE BANKDated: June 8, 2005
    
    By:
    
    /s/ Steve D. Watts

     Steve D. WattsPresident




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AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 23
  Name of
    
    Type of
    
    State of
    
    Date ofEmployer
    
    Entity
    
    Organization
    
    ParticipationBank of Michigan
    
    Bank
    
    Michigan
    
    7/1/2005
 CAPITOL BANCORP LIMITEDDated: June 8, 2005
    
    By:
    
    /s/ Joseph D. Reid

     Joseph D. ReidChairman and CEOBANK OF MICHIGANDated: June 8, 2005
    
    By:
    
    /s/ George F. Mochmar

     George F. MochmarPresident and CEO




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AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 24
  Name of
    
    Type of
    
    State of
    
    Date ofEmployer
    
    Entity
    
    Organization
    
    ParticipationBank of Bellevue
    
    Bank
    
    Washington
    
    6/22/2005
 CAPITOL BANCORP LIMITEDDated: June 22, 2005
    
    By:
    
    /s/ Cristin Reid English

     Cristin Reid EnglishChief Operating OfficerBANK OF BELLEVUEDated: June 22, 2005
    
    By:
    
    /s/ Andrew Barlass

     Andrew BarlassPresident




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AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 25
  Name of
    
    Type of
    
    State of
    
    Date ofEmployer
    
    Entity
    
    Organization
    
    ParticipationBank of
Auburn Hills
    
    Bank
    
    Michigan
    
    7/12/2005
 CAPITOL BANCORP LIMITEDDated: July 12, 2005
    
    By:
    
    /s/ Cristin Reid English

     Cristin Reid EnglishChief Operating OfficerBANK OF AUBURN HILLSDated: July 12, 2005
    
    By:
    
    /s/ Neal Searle

     Neal SearlePresident




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AMENDMENT TO THE
CAPITOL BANCORP, LTD.
EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN
AMENDMENT NUMBER 26
  Name of
    
    Type of
    
    State of
    
    Date ofEmployer
    
    Entity
    
    Organization
    
    ParticipationCapitol Bancorp
Leasing, Inc.
    
    Leasing
    
    Michigan
    
    9/6/2005
 CAPITOL BANCORP LIMITEDDated: September 6, 2005
    
    By:
    
    /s/ Cristin Reid English

     Cristin Reid EnglishChief Operating OfficerCAPITOL BANCORP LEASING, INC.Dated: September 6, 2005
    
    By:
    
    /s/ Lee Hendrickson

     Lee HendricksonChief Financial Officer