Munifi vs Arorix

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.

Business Banking for Entrepreneurs Run your business finances from one powerful platform. Arorix Financial is a modern business banking app built for entrepreneurs, startups, and small businesses. Manage your money, move funds, and stay organized with financial tools designed for the way modern businesses operate. Open an account in minutes and run your business from anywhere. Track transactions, monitor balances, and manage payments through a clean, intuitive mobile experience. BUSINESS BANKING MADE SIMPLE Monitor balances, track transactions, and manage your finances from one simple dashboard designed for modern founders. SEND PAYMENTS & MOVE MONEY Transfer funds, send payments, and manage your cash flow directly from your phone with fast and simple money movement. CARDS FOR YOUR BUSINESS Create virtual and physical cards for your business spending. Control how your team spends money while keeping your finances organized. SUB-ACCOUNTS FOR ORGANIZATION Create dedicated sub-accounts to separate budgets, projects, or business funds. Keep your finances structured and easy to manage. BUILT FOR ENTREPRENEURS Traditional banks weren’t built for modern founders. Arorix is designed for entrepreneurs, contractors, creators, and small business owners. BANK FROM ANYWHERE Access your accounts anytime. Check balances, review transactions, and stay connected to your business finances wherever you are. MODERN SECURITY Arorix uses modern security technologies and an encrypted infrastructure designed to help protect your financial information and account activity. *Arorix Financial is a financial technology company, not a bank. Banking services are provided by a partner bank, Member FDIC.