**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 27**

| Name                ofEmployer            |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|-------------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                      |   |                         |   |                                |   |                                |
| Fort                Collins Commerce Bank |   | Bank                         |   | Colorado                            |   | 1/1/2006                            |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English              Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **FORT                COLLINS COMMERCE BANK**  By: /s/                Mark Kross                 Mark                KrossPresident |
|---------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE**

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 28**

| Name                ofEmployer    |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|-----------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                              |   |                         |   |                                |   |                                |
| Bank                of Belleville |   | Bank                         |   | Illinois                            |   | 1/1/2006                            |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **BANK                OF BELLEVILLE**  By: /s/                Kevin Pesko                 Kevin                PeskoPresident |
|---------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 29**

| Name                ofEmployer            |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|-------------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                      |   |                         |   |                                |   |                                |
| Summit                Bank of Kansas City |   | Bank                         |   | Missouri                            |   | 1/1/2006                            |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **SUMMIT                BANK OF KANSAS CITY**  By: /s/                Rick Viar                   Rick                ViarPresident |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 30**

| Name                ofEmployer       |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|--------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                 |   |                         |   |                                |   |                                |
| Bank                of Santa Barbara |   | Bank                         |   | California                          |   | 1/1/2006                            |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **BANK                OF SANTA BARBARA**  By: /s/                Andy Clark                 Andy                ClarkPresident |
|---------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE**

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 31**

| Name                ofEmployer       |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|--------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                 |   |                         |   |                                |   |                                |
| Bank                of San Francisco |   | Bank                         |   | California                          |   | 1/1/2006                            |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **BANK                OF SAN FRANCISCO**  By: /s/                Ed Obuchowski               Ed                ObuchowskiPresident |
|---------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 32**

| Name                ofEmployer      |   | Type                ofEntity   |   | State                ofOrganization |   | Date                ofParticipation |
|-------------------------------------|--------|--------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                |   |                           |   |                                |   |                                |
| Capitol                Wealth, Inc. |   | Holding                Company |   | North                Carolina       |   | 1/1/2006                            |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **CAPITOL                WEALTH, INC.**  By: /s/                Bob Hogan                 Bob                HoganPresident |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 33**

| Name                ofEmployer                    |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|---------------------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                              |   |                         |   |                                |   |                                |
| Commerce                Bank of Southwest Florida |   |  Bank                   |   |  Florida                       |   |  1/1/2006                      |

|    Dated:                January 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                January 1, 2006 | **COMMERCE                BANK OF SOUTHWEST****FLORIDA**  By: /s/                Mark Morris                 Mark                MorrisPresident                and CEO |
|---------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 34**

| Name                ofEmployer         |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|----------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                   |   |                         |   |                                |   |                                |
| Community                Bank of Rowan |   | Bank                         |   | North                Carolina       |   | 2/21/2006                           |

|    Dated:                February 21, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|-----------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                February 21, 2006 | **COMMUNITY                BANK OF ROWAN**  By: /s/                Bruce Jones                 Bruce                JonesPresident |
|-----------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 35**

| Name                ofEmployer       |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|--------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                 |   |                         |   |                                |   |                                |
| Asian                Bank of Arizona |   | Bank                         |   | Arizona                             |   | 4/27/2006                           |

|    Dated:                April 27, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|--------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                April 27, 2006 | **ASIAN                BANK OF ARIZONA**  By: /s/                Leslie Gin                   Leslie                GinPresident |
|--------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 36**

| Name                ofEmployer  |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|---------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                            |   |                         |   |                                |   |                                |
| Bank                of Valdosta |   | Bank                         |   | Georgia                             |   | 6/21/2006                           |

|    Dated:                June 21, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|-------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                June 21, 2006 | **BANK                OF VALDOSTA**  By: /s/                Matthew Stanaland             Matthew                StanalandPresident |
|-------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 37**

| Name                ofEmployer         |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|----------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                   |   |                         |   |                                |   |                                |
| Sunrise                Bank of Atlanta |   | Bank                         |   | Georgia                             |   | 6/21/2006                           |

|    Dated:                June 21, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|-------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                June 21, 2006 | **SUNRISE                BANK OF ATLANTA**  By: /s/                Charles Green                 Charles                GreenPresident |
|-------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 38**

| Name                ofEmployer          |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|-----------------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                                    |   |                         |   |                                |   |                                |
| Evansville                Commerce Bank |   | Bank                         |   | Indiana                             |   | 7/1/2006                            |

|    Dated:                July 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                July 1, 2006 | **EVANSVILLE                COMMERCE BANK**  By: /s/                Thomas Austerman             Thomas                AustermanPresident |
|------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 39**

| Name                ofEmployer |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|--------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                           |   |                         |   |                                |   |                                |
| Bank                of Everett |   | Bank                         |   | Washington                          |   | 7/1/2006                            |

|    Dated:                July 1, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                July 1, 2006 | **BANK                OF EVERETT**  By: /s/                Michael Deller                  Michael                DellerPresident                & CEO |
|------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 40**

| Name                ofEmployer    |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|-----------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                              |   |                         |   |                                |   |                                |
| Ohio                Commerce Bank |   | Bank                         |   | Ohio                                |   | 11/2/2006                           |

|    Dated:                November 2, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|----------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                November 2, 2006 | **OHIO                COMMERCE BANK**  By: /s/                Gary Vacarro                 Gary                VacarroPresident |
|----------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 41**

| Name                ofEmployer |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|--------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                           |   |                         |   |                                |   |                                |
| Bank                of Maumee  |   | Bank                         |   | Ohio                                |   | 10/2/2006                           |

|    Dated:                October 2, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                October 2, 2006 | **BANK                OF MAUMEE**  By: /s/                Lee Dunn                   Lee                DunnPresident |
|---------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**AMENDMENT      TO THE **

**CAPITOL      BANCORP, LTD.**

**EMPLOYEE      SAVINGS AND STOCK OWNERSHIP PLAN**

**AMENDMENT      NUMBER 42**

| Name                ofEmployer   |   | Type                ofEntity |   | State                ofOrganization |   | Date                ofParticipation |
|----------------------------------|--------|------------------------------|--------|-------------------------------------|--------|-------------------------------------|
|                             |   |                         |   |                                |   |                                |
| 1st                Commerce Bank |   | Bank                         |   | Nevada                              |   | 10/18/2006                          |

|    Dated:                October 18, 2006 | **CAPITOL                BANCORP LIMITED**  By: /s/                Cristin Reid English             Cristin                Reid EnglishChief                Operating Officer |
|----------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|    Dated:                October 18, 2006 | **1****st****COMMERCE BANK**  By: /s/                Al Gourrier                 Al                GourrierPresident |
|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|