CAPITOL BANCORP LTD
THIRTEENTH AMENDMENT TO EMPLOYEE STOCK OWNERSHIP PLAN
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<TYPE>EX-10.(D11)
<SEQUENCE>5
<FILENAME>k02227exv10wxd11y.htm
<DESCRIPTION>THIRTEENTH AMENDMENT TO EMPLOYEE STOCK OWNERSHIP PLAN
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<DIV align="right" style="font-size: 10pt; margin-top: 12pt">Exhibit&nbsp;10 (d11)
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<DIV align="center" style="font-size: 10pt; margin-top: 18pt">THIRTEENTH AMENDMENT TO THE<BR>
CAPITOL BANCORP LTD.<BR>
EMPLOYEE STOCK OWNERSHIP PLAN
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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Capitol Bancorp Ltd. Employee Stock Ownership Plan is hereby amended effective July&nbsp;1,
2005 by adding the following participating employer at the end of the list therein contained:
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    <TD nowrap align="left">Name of</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Type of</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">State of</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Date of</TD>
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<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Employer</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Entity</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Organization</TD>
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    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Participation</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Napa Community Bank
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Banking Corp.
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">California
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">July&nbsp;1, 2005</TD>
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    <TD colspan="3" valign="top" align="left">CAPITOL BANCORP LIMITED</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dated: December&nbsp;1, 2005
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    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Cristin Reid English</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
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&nbsp;&nbsp;Cristin Reid English
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;&nbsp;Chief Operating Officer</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
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    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left">NAPA COMMUNITY BANK</TD>
    <TD>&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dated: December&nbsp;1, 2005
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Dennis Pedisich</TD>
    <TD>&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
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&nbsp;&nbsp;Dennis Pedisich
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
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    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;&nbsp;President and CEO</TD>
    <TD>&nbsp;</TD>
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