Checking Accounts. You& Getting More For Your Money.

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1 You&We Checking Accounts You& Getting More For Your Money.

2 M&F Bank can help you find the checking account that s right for you, your family and your life today from no fee and easy, to interest bearing, to long-term convenience and security. Even more important, we ll work closely with you to make sure that even as your needs change, you ll have established a banking relationship you can count on for years to come. Basic Checking HEADING OUT ON YOUR OWN? Our Gratis Checking Account makes setting up an account and managing your money easy no muss, no fuss, no fees, no worries. GRATIS CHECKING ACCOUNT* $25 minimum to open account No per Unlimited check writing privileges / Point of Sale transactions per cycle Everyday Checking HAVE MORE TO MANAGE? Our Everyday accounts are a great way to stay on top of everything. REGULAR CHECKING ACCOUNT* This account combines convenience, low costs and the flexibility to manage your money in the way that works best for you. $500 average daily balance to waive If average daily balance is below $500: > $0.35 charge for each Check/Point of Sale transaction after 12 > $10 per Sale transactions per cycle if $500 average daily balance is met

3 Prestige Checking READY TO TAKE your banking relationship to the next level? Our Prestige Accounts are ideal for those who want extra services. INTEREST CHECKING ACCOUNT* Interest Checking gives you full access to your money, plus you earn interest at competitive rates. $1,000 minimum balance to earn interest $2,000 average daily balance to waive If average daily balance is below $2,000: > $12 per Sale transactions per cycle PRESTIGE CHECKING ACCOUNT The Prestige account offers the benefit of great checking features and value-added services including free checks and preferred rates on consumer loans. $2,500 average daily balance to waive If average daily balance is below $2,500: > $15 per Unlimited check writing privileges/ Point of Sale transactions per cycle if $2,500 average daily balance is met Check protection to cover accidental overdrafts 3 Preferred rates on consumer loans with auto-draft from an M&F Bank account 6

4 PRESTIGE SILVER CHECKING ACCOUNT With age comes wisdom not to mention a few extra rewards. Designed with customers 50+ in mind, Prestige Silver offers competitive interest on balances, preferred rates on certificates of deposits and unlimited access to your account. $1,000 minimum balance to earn interest $1,000 average daily balance to waive If average daily balance is below $1,000: > $12 per Sale transactions per cycle if $1,000 average daily balance is met DIRECT ACCESS 1 Check protection to cover overdrafts 3 Preferred rates on certificates of deposits 4 No penalty for early withdrawal of certificates of deposits for medical emergencies 5 statement cycle PRESTIGE GOLD CHECKING ACCOUNT Prestige Gold is a premium package with unlimited freedom in managing your checking accounts, along with significant additional no-fee services. $500 minimum to open account $1,500 minimum balance to earn interest $2,500 average daily balance to waive If average daily balance is below $2,500: > $15 per Unlimited check writing privileges/point of Sale transactions per cycle if $2,500 average daily balance is met Check protection to cover overdrafts 3 Preferred rates on certificate of deposits 4 No penalty for early withdrawal of certificate of deposits for medical emergencies 5 Preferred rates on consumer loans with auto-draft from an M&F Bank account 6

5 Have a dream. Since 1907, M&F Bank has served those who wouldn t be served elsewhere. Today, we still believe in the power of community. The power of doing what s right. The power of You&We. TM Visit mfbonline.com to learn more. Charlotte / Durham / Greensboro / Raleigh / Winston-Salem Mortgage financing / Mobile banking / SBA financing Business banking / Wealth management Online banking / Deposit accounts / mfbonline.com 1 Unlimited Auto Phone Access. 2 Ask your M&F Bank representative about enrollment and systems requirements. 3 Credit line determined, subject to credit approval. 4 Minimum of $10,000 per certificate of deposit. 5 After seven days. Federal regulations require that the Bank impose a penalty of seven days simple interest on amounts withdrawn within the first six days after the certificate of deposit is opened. 6 Home equity lines of credit and home mortgages are not included. Investment and insurance products are not a deposit, not FDIC insured, not guaranteed by a bank, may lose value and are not insured by any federal government agency. Securities offered through LPL Financial, LLC. MFB K You&We