Savings Accounts. You& Preparing For What s Important.

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1 You&We Savings Accounts You& Preparing For What s Important.

2 Standard Savings REGULAR SAVINGS ACCOUNT* The more you save now, the more options you will have when it comes to making large purchases or planning for life ahead. And with Regular Savings, you can make it part of your regular routine. Contact your local branch for details on current interest rates. M&F Bank makes it easy to start saving right now for all the important things in your life, big and small begin building toward retirement, make a safe and flexible investment or just plan ahead for holiday shopping. Whatever your goal, we ll be here to help you make it happen. $100 minimum to open $200 minimum daily balance to waive maintenance fee; otherwise: $6 month at no charge; $2 excessive withdrawal fee for each transaction over three; up to six total preauthorized withdrawals, automatic or telephonic transfers, checks, drafts and debit card or other similar transactions from your account *Sign up now at mfbonline.com.

3 YOUTH SAVINGS ACCOUNT We created this low-cost account specifically for those 21 and younger. Contact your local GOLDEN YEARS ACCOUNT Let your life experience work in your favor, with this low-cost savings account intended for those 55 and older. Contact your local $200 minimum daily balance to waive maintenance fee; otherwise: $3 month at no charge; $2 excessive No maintenance fee month at no charge; $2 excessive CHRISTMAS CLUB ACCOUNT Get yourself in the holiday spirit all year long. Save the same amount every time, or vary amounts throughout the year. No maintenance fee Flexible savings options

4 Money Market Accounts, Certificates of Deposit & IRAs MONEY MARKET INVESTMENT ACCOUNT (MMIA)* Make your money work harder. This limitedtransaction account offers interest at money market rates and the ability to withdraw funds when necessary. Contact your local branch for details on current interest rates. $2,000 minimum daily balance to earn interest $5,000 average daily balance to waive maintenance fee; otherwise: $14 month at no charge; $5 excessive CERTIFICATE OF DEPOSIT (CD) Combine flexibility and security, with a guaranteed interest rate and a fixed term. Plus, you can choose to have the interest added back into the CD principal or have it deposited into an M&F Bank checking or savings account. The more you invest, the better the interest rate. Contact your local Rate of return is fixed for the entire term Short- and long-term investment options available Investment principal is protected Automatic renewal Substantial penalty for early withdrawal INDIVIDUAL RETIREMENT ACCOUNT (IRA) Save securely for retirement while deferring taxes until you access your money, which you can begin doing at age 59½. If you and your spouse do not have qualified retirement plans, some or all of your IRA contribution may be tax-deductible. (Please consult your tax advisor.) Variety of fixed-rate investment options available No start-up or annual fees Detailed quarterly statements Substantial penalty for early withdrawal *Sign up now at mfbonline.com.

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. 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