Munifi vs FratFunds

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.

Managing fraternity dues and event expenses doesn’t have to be stressful. Frat Funds is the all-in-one app designed specifically for fraternities and student groups who need a simple, secure, and transparent way to collect money, split costs, and track chapter funds. No more awkward conversations, messy spreadsheets, or lost cash. With Frat Funds, everything you need to keep your chapter running smoothly is right in your pocket. Why Frat Funds? Fraternity life should be about brotherhood, tradition, and experiences—not chasing down payments. Treasurers and members alike can use Frat Funds to organize finances, and ensure every event is fully funded without the headache. Key Features: Event Budgeting & Cost Splitting Planning a mixer, formal, or trip? Create an event budget, assign costs, and let everyone pay their share without hassle. Transparent Fund Tracking See exactly who has paid and who still owes. No more back-and-forth or guessing games—Frat Funds keeps everything crystal clear. Designed for College Life Frat Funds is built with students in mind—easy to use, quick to set up, and focused on the needs of fraternities and student groups. Who Is It For? Treasurers & Leaders – Manage event funds effortlessly. Members – Stay on top of what is happening in your chapter’s books. No more wondering how your money is being spent. Student Groups & Clubs – While designed for fraternities, Frat Funds also works great for sororities, clubs, and any group needing shared payment solutions. Why It Works Frat Funds was created because we know the struggles of managing fraternity finances. Between dues, socials, formals, and philanthropy events, money can get messy fast. That’s why we designed a tool that cuts out the stress and keeps your chapter focused on what matters: building connections and making memories. Get Started Today Download Frat Funds and experience the easiest way to handle fraternity finances. Whether you’re running the whole chapter or just paying your share, our app keeps everything organized, transparent, and stress-free. Frat Funds – Brotherhood first. Finances simplified. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/