Ninth Amendment to Capitol Bancorp Ltd. Employee Stock Ownership Plan (Sunrise Bank of San Diego Participation)

This amendment adds Sunrise Bank of San Diego as a participating employer in the Capitol Bancorp Ltd. Employee Stock Ownership Plan, effective July 1, 2004. The agreement is signed by representatives of both Capitol Bancorp Ltd. and Sunrise Bank of San Diego, formalizing the bank's inclusion in the plan. The amendment ensures that employees of Sunrise Bank of San Diego are now eligible to participate in the stock ownership plan under the same terms as other participating employers.