Document:

Exhibit 4(h)

                 CAPITOL BANCORP LTD. 2000 STOCK INCENTIVE PLAN

ARTICLE 1 PURPOSE

     1.1 GENERAL. The purpose of the Capitol Bancorp Ltd. 2000 Stock Incentive
Plan (the "Plan") is to promote the success, and enhance the value, of Capitol
Bancorp Ltd. (the "Corporation") by linking the personal interests of the
directors and executives of the Corporation or a Subsidiary to those of
Corporation shareholders and by providing such individuals with an incentive for
outstanding performance in order to generate superior returns to shareholders of
the Corporation. The Plan is further intended to provide flexibility to the
Corporation in its ability to motivate, attract, and retain the services of
directors and executives of the Corporation or a Subsidiary upon whose judgment,
interest, and special effort the successful conduct of the Corporation's
operation is largely dependent.

ARTICLE 2 EFFECTIVE DATE

     2.1 EFFECTIVE DATE. The Plan is effective as of July 1, 2000 (the
"Effective Date").

ARTICLE 3 DEFINITIONS AND CONSTRUCTION

     3.1 DEFINITIONS. When a word or phrase appears in this Plan with the
initial letter capitalized, and the word or phrase does not commence a sentence,
the word or phrase shall generally be given the meaning ascribed to it in this
Section or in Sections 1.1 or 2.1 unless a clearly different meaning is required
by the context. The following words and phrases shall have the following
meanings:

          (a) "Board" means the Board of Directors of the Corporation.

          (b) "Cause" (except as otherwise provided in an Option Agreement)
means if the Committee, in its reasonable and good faith discretion, determines
that the director or executive of the Corporation or a Subsidiary (i) has
developed or pursued interests substantially adverse to the Corporation or a
Subsidiary, (ii) materially breached any employment, engagement, or
confidentiality agreement, (iii) has not devoted all or substantially all of his
or her business time, effort and attention to the affairs of the Corporation or
a Subsidiary (or such lesser amount as has been agreed to by the Corporation or
a Subsidiary), (iv) is convicted of a felony involving moral turpitude, or (v)
has engaged in activities or omissions that are detrimental to the well-being of
the Corporation or a Subsidiary.

          (c) "Change of Control" means any of the following:

               (1) any merger of the Corporation in which the Corporation is not
the continuing or surviving entity, or pursuant to which Stock would be
converted into cash, securities or other property, other than a merger of the
Corporation into an affiliate or in which the holders of the Corporation's Stock
immediately prior to the merger have the same proportionate ownership of
beneficial interest of common stock or other voting securities of the surviving
entity immediately after the merger;

               (2) any sale, lease, exchange, or other transfer (in one
transaction or a series of related transactions) of assets or earning power
aggregating more than 50% of the assets or earning power of the Corporation and
its Subsidiaries (taken as a whole), other than pursuant to a sale-leaseback,
structured finance, or other form of financing transaction;

               (3) the shareholders of the Corporation shall approve any plan or
proposal for liquidation or dissolution of the Corporation;
<PAGE>
               (4) any person (as such term is used in Sections 13(d) and
14(d)(2) of the Exchange Act), other than any current shareholder or affiliate
of the Corporation or any employee benefit plan of the Corporation or any
Subsidiary or any entity holding shares of capital stock of the Corporation for
or pursuant to the terms of any such employee benefit plan in its role as an
agent or trustee for such plan, shall become the beneficial owner (within the
meaning of Rule 13d-3 under the Exchange Act) of 50% or more of the
Corporation's outstanding Stock.

        (a) "Code" means the Internal Revenue Code of 1986, as amended.

        (b) "Committee" means the committee of the Board described in Article 4.

        (c) "Exchange Act" means the Securities Exchange Act of 1934, as
amended from time to time.

        (d) "Fair Market Value" means, as of any given date, the fair market
value of Stock on a particular date determined by such methods or procedures as
may be established from time to time by the Committee. Unless otherwise
determined by the Committee, the Fair Market Value of Stock as of any date shall
be the closing price for the Stock as reported on the NASDAQ National Market
System (or on any national securities exchange on which the Stock is then
listed) for that date or, if no closing price is so reported for that date, the
closing price on the next preceding date for which a closing price was reported.

        (e) "Non-Employee Director" means a member of the Board who qualifies
as a "Non-Employee Director" as defined in Rule 16b-3(b)(3) of the Exchange Act,
or any successor definition adopted by the Board.

        (f) "Non-Qualified Stock Option" means an Option that is not intended
to be an incentive stock option defined in Code Section 422.

        (g) "Option" means a right granted to a Participant under Article 7 of
the Plan to purchase Stock pursuant to a Non-Qualified Stock Option at a
specified price during specified time periods.

        (h) "Option Agreement" means any written agreement, contract, or other
instrument or document evidencing an Option.

        (i) "Participant" means a person who, as a director or executive of
the Corporation or any Subsidiary, has been granted an Option under the Plan.

        (j) "Stock" means the common stock of the Corporation or the common
stock of a Subsidiary as designated by the Committee at the date of grant or
otherwise.

        (k) "Subsidiary" means any corporation of which a majority of the
outstanding voting stock or voting power is beneficially owned directly or
indirectly by the Corporation.

ARTICLE 4 ADMINISTRATION

     4.1 COMMITTEE. The Plan shall be administered by the Board or a Committee
appointed by, and which serves at the discretion of, the Board. If the Board
appoints a Committee, the Committee shall consist of at least two individuals,
each of whom qualifies as (i) a Non-Employee Director, and (ii) an "outside
director" under Code Section 162(m) and the regulations issued thereunder.
Reference to the Committee shall refer to the Board if the Board does not
appoint a Committee.

     4.2 ACTION BY THE COMMITTEE. A majority of the Committee shall constitute a
quorum. The acts of a majority of the members present at any meeting at which a
quorum is present and acts approved in writing by a majority of the Committee in
lieu of a meeting shall be deemed the acts of the Committee. Each member of the
Committee is entitled to, in good faith, rely or act upon any report or other
information furnished to that member by any officer or other employee of the
Corporation or any Subsidiary, the Corporation's independent certified public
<PAGE>
accountants, or any executive compensation consultant or other professional
retained by the Corporation to assist in the administration of the Plan.

     4.3 AUTHORITY OF COMMITTEE. The Committee has the exclusive power,
authority, and discretion to:

          (a) Designate Participants to receive Options;

          (b) Determine the number of Options to be granted and the number of
shares of Stock to which an Option will relate;

          (c) Determine the terms and conditions of any Option granted under the
Plan including but not limited to, the exercise price, grant price, or purchase
price, any restrictions or limitations on the Option, any schedule for vesting
or lapse of forfeiture restrictions or restrictions on the exercisability of an
Option, and accelerations or waivers thereof, based in each case on such
considerations as the Committee in its sole discretion determines;

          (d) Amend, modify, or terminate any outstanding Option, with the
Participant's consent unless the Committee has the authority to amend, modify,
or terminate an Option without the Participant's consent under any other
provision of the Plan;

          (e) Determine whether, to what extent, and under what circumstances an
Option may be settled in, or the exercise price of an Option may be paid in,
cash, Stock, or other property, or an Option may be canceled, forfeited, or
surrendered;

          (f) Prescribe the form of each Option Agreement, which need not be
identical for each Participant;

          (g) Decide all other matters that must be determined in connection
with an Option;

          (h) Establish, adopt, or revise any rules and regulations as it may
deem necessary or advisable to administer the Plan; and

          (i) Make all other decisions and determinations that may be required
under the Plan or as the Committee deems necessary or advisable to administer
the Plan.

     4.4 DECISIONS BINDING. The Committee's interpretation of the Plan, any
Options granted under the Plan, any Option Agreement and all decisions and
determinations by the Committee with respect to the Plan are final, binding, and
conclusive on all parties.

ARTICLE 5 SHARES SUBJECT TO THE PLAN

     5.1 NUMBER OF SHARES. Subject to adjustment provided in Section 9.1, the
aggregate number of shares of Stock reserved and available for grant under the
Plan shall be 600,000.

     5.2 LAPSED OPTIONS. To the extent that an Option terminates, expires, or
lapses for any reason, any shares of Stock subject to the Option will again be
available for the grant of an Option under the Plan.

     5.3 STOCK DISTRIBUTED. Any Stock distributed pursuant to an Option may
consist, in whole or in part, of authorized and unissued Stock, treasury stock
or Stock purchased on the open market.

     5.4 LIMITATION ON NUMBER OF SHARES SUBJECT TO OPTIONS. Notwithstanding any
provision in the Plan to the contrary, and subject to the adjustment in Section
9.1, the maximum number of shares of Stock with respect to one or more Options
that may be granted to any one Participant during the Corporation's fiscal year
shall be 10,000.
<PAGE>
ARTICLE 6 ELIGIBILITY AND PARTICIPATION

     6.1 ELIGIBILITY.

          (a) GENERAL. Persons eligible to participate in this Plan include all
directors and executives of the Corporation or a Subsidiary, as determined by
the Committee, provided that the Chairman and Chief Executive Officer of the
Corporation shall not be eligible to participate in the Plan.

          (b) FOREIGN PARTICIPANTS. In order to assure the viability of Options
granted to Participants employed in foreign countries, the Committee may provide
for such special terms as it may consider necessary or appropriate to
accommodate differences in local law, tax policy, or custom. Moreover, the
Committee may approve such supplements to, or amendments, restatements, or
alternative versions of the Plan as it may consider necessary or appropriate for
such purposes without thereby affecting the terms of the Plan as in effect for
any other purpose provided, however, that no such supplements, amendments,
restatements, or alternative versions shall increase the share limitations
contained in Section 5.1 of the Plan.

     6.2 ACTUAL PARTICIPATION. Subject to the provisions of the Plan, the
Committee may, from time to time, select from among all eligible individuals,
those to whom Options shall be granted and shall determine the nature and amount
of each Option. No individual shall have any right to be granted an Option under
this Plan.

ARTICLE 7 STOCK OPTIONS

     7.1 GENERAL. The Committee is authorized to grant Options to Participants
at any time prior to the termination of the Plan on the following terms and
conditions:

          (a) EXERCISE PRICE. The exercise price per share of Stock under an
Option shall be determined by the Committee and set forth in the Option
Agreement. It is the intention under the Plan that the exercise price for any
Option shall not be less than the Fair Market Value as of the date of grant
provided, however, that the Committee may, in its discretion, grant Options
(other than Options that are intended to qualify as performance-based
compensation under Code Section 162(m)) with an exercise price of less than Fair
Market Value on the date of grant.

          (b) TIME AND CONDITIONS OF EXERCISE. The Committee shall determine the
time or times at which an Option may be exercised in whole or in part. The
Committee shall also determine the performance or other conditions, if any, that
must be satisfied before all or part of an Option may be exercised.

          (c) PAYMENT. The Committee shall determine the methods by which the
exercise price of an Option may be paid, the form of payment, including, without
limitation, cash, shares of Stock (through actual tender or by attestation), or
other property (including broker-assisted "cashless exercise" arrangements), and
the methods by which shares of Stock shall be delivered or deemed to be
delivered to Participants.

ARTICLE 8 PROVISIONS APPLICABLE TO OPTIONS

     8.1 EXCHANGE PROVISIONS. The Committee may at any time offer to exchange or
buy out any previously granted Option for a payment in cash, Stock, or another
Option, based on the terms and conditions the Committee determines and
communicates to the Participant at the time the offer is made.

     8.2 FORM OF PAYMENT FOR OPTIONS. Subject to the terms of the Plan and any
applicable law or Option Agreement, payments or transfers to be made by the
Corporation or a Subsidiary on the grant or exercise of an Option may be made in
such forms as the Committee determines at or after the time of grant, including
without limitation, cash, Stock, promissory note, or other property, or any
combination, and may be made in a single payment or transfer, in installments,
or on a deferred basis, in each case determined in accordance with rules adopted
by, and at the discretion of, the Committee.
<PAGE>
     8.3 LIMITS ON TRANSFER. No right or interest of a Participant in any Option
may be pledged, encumbered, or hypothecated to or in favor of any party other
than the Corporation or a Subsidiary, or shall be subject to any lien,
obligation, or liability of such Participant to any other party other than the
Corporation or a Subsidiary. Except as otherwise provided by the Committee, no
Option shall be assignable or transferable by a Participant other than by will
or the laws of descent and distribution.

     8.4 BENEFICIARIES. Notwithstanding Section 8.3, a Participant may, in the
manner determined by the Committee, designate a beneficiary to exercise the
rights of the Participant and to receive any distribution with respect to any
Option upon the Participant's death. A beneficiary, legal guardian, legal
representative, or other person claiming any rights under the Plan is subject to
all terms and conditions of the Plan and any Option Agreement applicable to the
Participant, except to the extent the Plan and Option Agreement otherwise
provide, and to any additional restrictions deemed necessary or appropriate by
the Committee. If the Participant is married, a designation of a person other
than the Participant's spouse as his beneficiary with respect to more than 50
percent of the Participant's interest in the Option shall not be effective
without the written consent of the Participant's spouse. If no beneficiary has
been designated or survives the Participant, payment shall be made to the person
entitled thereto under the Participant's will or the laws of descent and
distribution. Subject to the foregoing, a beneficiary designation may be changed
or revoked by a Participant at any time provided the change or revocation is
filed with the Committee.

     8.5 STOCK CERTIFICATES. All Stock certificates delivered under the Plan are
subject to any stop-transfer orders and other restrictions as the Committee
deems necessary or advisable to comply with Federal or state securities laws,
rules and regulations and the rules of any national securities exchange or
automated quotation system on with the Stock is listed, quoted, or traded. The
Committee may place legends on any Stock certificate to reference restrictions
applicable to the Stock.

     8.6 ACCELERATION UPON A CHANGE OF CONTROL. If a Change of Control occurs,
all outstanding Options shall become fully exercisable. Upon, or in anticipation
of, such an event, the Committee may cause every Option outstanding hereunder to
terminate at a specific time in the future and shall give each Participant the
right to exercise Options during a period of time as the Committee, in its sole
and absolute discretion, shall determine.

ARTICLE 9 CHANGES IN CAPITAL STRUCTURE

     9.1 GENERAL. In the event a stock dividend is declared upon the Stock, the
shares of Stock then subject to each Option (and the number of shares subject
thereto) shall be increased proportionately without any change in the aggregate
purchase price therefor. In the event the Stock shall be changed into or
exchanged for a different number or class of shares of Stock or of another
corporation, whether through reorganization, recapitalization, stock split-up,
combination of shares, merger or consolidation, there shall be substituted for
each such share of Stock then subject to each Option the number and class of
shares of Stock into which each outstanding share of Stock shall be so
exchanged, all without any change in the aggregate purchase price for the shares
then subject to each Option.

ARTICLE 10 AMENDMENT, MODIFICATION, AND TERMINATION

     10.1 AMENDMENT, MODIFICATION, AND TERMINATION. With the approval of the
Board, at any time and from time to time, the Committee may terminate, amend, or
modify the Plan provided, however, that to the extent necessary and desirable to
comply with any applicable law, regulation, or stock exchange rule, the
Corporation shall obtain shareholder approval of any Plan amendment in such a
manner and to such a degree as required.

     10.2 OPTIONS PREVIOUSLY GRANTED. No termination, amendment, or modification
of the Plan shall adversely affect in any material way any Option previously
granted under the Plan, without the written consent of the Participant.
<PAGE>
ARTICLE 11 GENERAL PROVISIONS

     11.1 NO RIGHTS TO OPTIONS. No Participant, director, employee, or other
person shall have any claim to be granted any Option under the Plan, and neither
the Corporation nor the Committee is obligated to treat Participants, directors,
employees, and other persons uniformly.

     11.2 NO SHAREHOLDERS RIGHTS. No Option gives the Participant any of the
rights of a shareholder of the Corporation unless and until shares of Stock are
in fact issued to such person in connection with such Option.

     11.3 WITHHOLDING. The Corporation or any Subsidiary shall have the
authority and the right to deduct or withhold, or require a Participant to remit
to the Corporation, an amount sufficient to satisfy Federal, state, and local
taxes (including the Participant's FICA obligation) required by law to be
withheld with respect to any taxable event arising as a result of this Plan.

     11.4 NO RIGHT TO EMPLOYMENT OR SERVICES. Nothing in the Plan or any Option
Agreement shall interfere with or limit in any way the right of the Corporation
or any Subsidiary to terminate any Participant's employment or service at any
time, nor confer upon any Participant any right to continue in the employ or
service of the Corporation or any Subsidiary.

     11.5 UNFUNDED STATUS OF OPTIONS. The Plan is intended to be an "unfunded"
plan for incentive compensation. With respect to any payments not yet made to a
Participant pursuant to an Option, nothing contained in the Plan or any Option
Agreement shall give the Participant any rights that are greater than those of a
general creditor of the Corporation or any Subsidiary.

     11.6 INDEMNIFICATION. To the extent allowable under applicable law, each
member of the Committee or of the Board shall be indemnified and held harmless
by the Corporation from any loss, cost, liability, or expense that may be
imposed upon or reasonably incurred by such member in connection with or
resulting from any claim, action, suit, or proceeding to which he or she may be
a party or in which he or she may be involved by reason of any action or failure
to act under the Plan and against and from any and all amounts paid by him or
her in satisfaction of judgment in such action, suit, or proceeding against him
or her provided he or she gives the Corporation an opportunity, at its own
expense, to handle and defend the same before he or she undertakes to handle and
defend it on his or her own behalf. The foregoing right of indemnification shall
not be exclusive of any other rights of indemnification to which such persons
may be entitled under the Corporation's Articles of Incorporation or By-Laws, as
a matter of law, or otherwise, or any power that the Corporation may have to
indemnify them or hold them harmless.

     11.7 RELATIONSHIP TO OTHER BENEFITS. No payment under the Plan shall be
taken into account in determining any benefits under any pension, retirement,
savings, profit sharing, group insurance, welfare or other benefit plan of the
Corporation or any Subsidiary.

     11.8 EXPENSES. The expenses of administering the Plan shall be borne by the
Corporation and its Subsidiaries.

     11.9 TITLES AND HEADINGS. The titles and headings of the Sections in the
Plan are for convenience of reference only, and in the event of any conflict,
the text of the Plan, rather than such titles or headings, shall control.

     11.10 FRACTIONAL SHARES. No fractional shares of Stock shall be issued and
the Committee shall determine, in its discretion, whether cash shall be given in
lieu of fractional shares or whether such fractional shares shall be eliminated
by rounding up or down as appropriate.

     11.11 SECURITIES LAW COMPLIANCE. With respect to any person who is, on the
relevant date, obligated to file reports under Section 16 of the Exchange Act,
transactions under this Plan are intended to comply with all applicable
conditions of Rule 16b-3 or its successors under the Exchange Act. To the extent
any provision
<PAGE>
of the Plan or action by the Committee fails to so comply, it shall be void to
the extent permitted by law and voidable as deemed advisable by the Committee.

     11.12 GOVERNMENT AND OTHER REGULATIONS. The obligation of the Corporation
to make payment of Options in Stock or otherwise shall be subject to all
applicable laws, rules, and regulations, and to such approvals by government
agencies as may be required. The Corporation shall be under no obligation to
register under the Securities Act of 1933, as amended (the "1933 Act"), any of
the shares of Stock paid under the Plan. If the shares paid under the Plan may
in certain circumstances be exempt from registration under the 1933 Act, the
Corporation may restrict the transfer of such shares in such manner as it deems
advisable to ensure the availability of any such exemption.

     11.13 GOVERNING LAW. The Plan and all Option Agreements shall be construed
in accordance with and governed by the laws of the State of Michigan.Exhibit (b3) (1 of 4)

                             SIXTH AMENDMENT TO THE
                             CAPITOL BANCORP LIMITED
                    EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN

The Capitol Bancorp Ltd. Employee Savings and Stock Ownership Plan is hereby
amended effective January 1, 2000 adding the following participating employers
at the end of the list contained:

     Name of                Type of               State of         Date of
     Employer               Entity                Organization     Participation
     --------               ------                ------------     -------------

     East Valley
     Community Bank         Banking Corp.         Arizona          01/01/2000

     Nevada Community
     Bancorp Limited        Holding Company       Nevada           01/01/2000

                                       CAPITOL BANCORP LIMITED

Dated: February 2, 2000                By: /s/ Joseph D. Reid
                                           ---------------------------------
                                           Joseph D. Reid
                                           Chairman and CEO

                                       EAST VALLEY COMMUNITY BANK

Dated: February 2, 2000                By: /s/ Rebecca M. Jackson
                                           ---------------------------------
                                           Its: President

                                       NEVADA COMMUNITY BANCORP LIMITED

Dated: February 7, 2000                By: /s/ Thomas C. Mangione
                                           ---------------------------------
                                           Its: Executive Vice President
<PAGE>
                                                           Exhibit (b3) (2 of 4)

                            SEVENTH AMENDMENT TO THE
                             CAPITOL BANCORP LIMITED
                    EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN

The Capitol Bancorp Ltd. Employee Savings and Stock Ownership Plan is hereby
amended effective July 1, 2000 adding the following participating employers at
the end of the list contained:

     Name of                Type of               State of         Date of
     Employer               Entity                Organization     Participation
     --------               ------                ------------     -------------

     Red Rock
     Community Bank         Banking Corp.         Nevada           07/01/2000

     Nevada Community
     Bancorp Limited        Banking Corp          Nevada           07/01/2000

                                       CAPITOL BANCORP LIMITED

Dated: June 19, 2000                   By: /s/ Joseph D. Reid
                                           ---------------------------------
                                           Joseph D. Reid
                                           Chairman and CEO

                                       RED ROCK COMMUNITY BANK

Dated: June 19, 2000                   By: /s/ Steven Mallory
                                           ---------------------------------
                                           Its: President

                                       DESERT COMMUNITY BANK

Dated: June 26, 2000                   By: /s/ James W. Howard
                                           ---------------------------------
                                           Its: President
<PAGE>
                                                           Exhibit (b3) (3 of 4)

                             EIGTH AMENDMENT TO THE
                             CAPITOL BANCORP LIMITED
                    EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN

The Capitol Bancorp Ltd. Employee Savings and Stock Ownership Plan is hereby
amended effective July 1, 2000 adding the following participating employers at
the end of the list contained:

     Name of                Type of               State of         Date of
     Employer               Entity                Organization     Participation
     --------               ------                ------------     -------------

     Elkhart
     Community Bank         Banking Corp.         Indiana          07/01/2000

                                       CAPITOL BANCORP LIMITED

Dated: June 27, 2000                   By: /s/ Joseph D. Reid
                                           ---------------------------------
                                           Joseph D. Reid
                                           Chairman and CEO

                                       ELKHART COMMUNITY BANK

Dated: June 22, 2000                   By: /s/ Steven L. Brown
                                           ---------------------------------
                                           Its:  President
<PAGE>
                                                           Exhibit (b3) (4 of 4)

                             NINTH AMENDMENT TO THE
                             CAPITOL BANCORP LIMITED
                    EMPLOYEE SAVINGS AND STOCK OWNERSHIP PLAN

The Capitol Bancorp Ltd. Employee Savings and Stock Ownership Plan is hereby
amended effective September 21, 2000 adding the following participating
employers at the end of the list contained:

     Name of                Type of               State of         Date of
     Employer               Entity                Organization     Participation
     --------               ------                ------------     -------------

     Arrowhead
     Community Bank         Banking Corp.         Arizona          09/21/2000

                                       CAPITOL BANCORP LIMITED

Dated: September 25, 2000              By: /s/ Joseph D. Reid
                                           ---------------------------------
                                           Joseph D. Reid
                                           Chairman and CEO

                                       ARROWHEAD COMMUNITY BANK

Dated: September 25, 2000              By: /s/ Arlene Kulzer
                                           ---------------------------------
                                           Its:  President

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