Munifi vs Impact Banking

Munifi - Municipal Bond Investing for Everyone If it’s not Munifi, it’s not for municipal bonds. Munifi turns complex municipal-bond investing into a simple, personalized experience. Our AI-driven platform scans the entire muni market in real time, matches each bond’s community impact with your values and location, and optimizes for maximum federal- and state-tax savings. The result: steady, tax-free income that helps build the places you care about most. TAX-FREE INCOME - Identify bonds exempt from federal and state taxes to maximize after-tax yield - See estimated tax savings before you invest MORE INCOME THAN CDs - Tax-exempt yields can beat the top online CD rates by hundreds of basis points once you factor in state + federal savings. SUPER-SAFE APPROACH TO INVESTING - We restrict portfolios to investment-grade issuers with historically low default rates - Bonds are titled to you, in your own separate account, and held at Apex Clearing - Your investment is SIPC insured up to $500,000 so you don’t have to worry about your broker-dealer/custodian AI-DRIVEN BOND SEARCH - Proprietary models scan 100k+ munis all day long for yield, credit quality, and call risk - Instant, personalized ladders: no spreadsheets, no guesswork COMMUNITY IMPACT - Every bond includes a plain-English project story (library, senior housing, light-rail, etc.) - Search by causes: green energy, local schools, veterans, children’s hospitals, and more. SECURE CUSTODY - Assets held with SIPC-protected custodians; 256-bit encryption on every transaction - Two-factor authentication and we don’t sell your personal data to anyone HOW IT WORKS - Create Profile: Where you live, your taxable income, and causes you care about. - Review Recommendations: AI driven recommendations fit your profile - Fund & Earn: Start collecting tax-exempt income immediately - Grow & Reinvest: Add cash anytime; Munifi sources new bonds automatically KEY FEATURES - ZERO account minimums - MILLIONS of bonds analyzed daily - FOLLOW issuers and communities you care about - MATCH based on horizon and cashflow - OPTIMIZE your taxes through tax-free investing DISCLOSURE Municipal securities carry risk, including possible loss of principal. Interest may be subject to AMT or state tax in certain cases. SIPC insurance applies to the custodian, not the municipal issuer. Always consult a tax professional. Download Munifi and turn your portfolio into progress.

See how your spending reflects your values. Impact Banking helps you understand the social and environmental impact of your everyday purchases — so you can make financial decisions that align with what truly matters to you. Spend with purpose. Automatically sync your transactions and see clear insights into where your money goes. Gain visibility into the companies behind your purchases and their social and environmental practices. Align with your values. Each brand is analyzed across key categories like sustainability, diversity, and ethical practices. See which companies align with your principles — and which ones don’t — so you can shop with confidence. Get personalized recommendations. Discover mission-driven businesses and better alternatives that match your values. Every recommendation helps you redirect your spending toward a more sustainable and equitable economy. Make your impact visible. Track your progress over time and celebrate your growing positive impact. Every dollar you spend can support change — Impact Banking shows you how. Support mission-driven businesses. Discover and back veteran, minority, and women-led enterprises, plus organizations driving social and environmental change. Create positive impact with your savings. Your money doesn’t have to sit still, every dollar you save powers solar energy, strengthens communities, and helps build a brighter, more sustainable future, all while earning high interest at an FDIC-regulated bank. Join the movement. Empower your wallet to reflect your world view. Download Impact Banking and start building a financial life that’s as conscious as you are.