1. FDIC Advisory Committee on Economic Inclusion Bank Successes in Reaching the Underserved Monroe Bank & Trust February 5, 2009

2. Monroe Bank & Trust (MBT) $1.5B Community Bank Founded 1858 – celebrated 150 th last year Traded on Nasdaq (MBTF) since May, 2003 25 branch locations Recently acquired deposits of Main Street Bank MBTeam Banking

3. Market Overview Headquartered in Monroe in Southeast Michigan between Detroit and Toledo Branches located in suburban and agricultural areas in Monroe County and southern Wayne County Over 10.6% unemployment statewide 9.6% in Monroe* National Unemployment 7.2%* Over 20% high school dropout rate** *US Bureau of Labor Statistics December 2008 **Monroe Public Schools

4. Market Share: 53% market share in Monroe County.9% in Wayne County CRA Assessment Areas: Monroe: 1 low and 1 moderate; 2 minority Wayne: 2 low and 2 moderate since acquisition of Plymouth and Northville areas; 21 minority (previously 1 low, 1 moderate, 6 minority) Recognized a need to assist people in reestablishing good financial management practices or improving history Needed to maintain consistency among branch personnel at account opening for persons with financial challenges

6. Product Design -Personal Accounts only -$50 minimum deposit to open -$10 monthly service fee -No minimum balance required -Free online access -Unlimited check writing -Free eStatement -ATM/Debit card with no deposit ability and daily withdrawal limit of $300 -Proof of paid balances at other FI’s -”Graduate” to traditional products in 12 months

7. Results to Date - 49 Accounts opened -15 Closed – 69.4% retention -11 of the 15 closed with negative balances (73% of closed or 22.4% of total) -$9,534 in current balances -$194.57 average balance on open accounts -$606 in unpaid overdrafts (6.4% of current balances)

8. Young Adult Checking -Launches in April 2009 -Designed for 18 – 24 year old group -$50 to open, no minimum balance -$20 of free ATM use each month -ATM/Debit card with deposit capability/standard daily withdrawal limit -Will require training at account opening -100 debit rewards points at account opening -Defaults to High Interest checking product on 25 th birthday

9. Critical Element: MBT Outreach & Education Efforts -Elementary Partnership in Education Program -MBT Scholarship Program -Bank At Work Programs -MBT ID -CARE Process

10. - ENLIST Volunteer Program -25 th Anniversary Year -137,000 Volunteer Hours to date -Average 5,480 hours per year; currently 9,000 -325 members (85% of employee base) -$45,112 in additional funds raised -Over 100 organizations served each year -National and regional recognition

11. - MBTeach -Extension of “ENLIST”volunteer program -41 of 380 (11%) Employees Certified as MBTeachers -14 organizations requesting classes after 1 ad - FDIC Money Smart Curriculum -High Demand for: -Your Own Home -To Your Credit -Money Matters

12. - The Learning Bank -Low income, underserved population -31% African American and 5.2% Hispanic -Collaboration with Monroe County Community College Monroe County Opportunity Program Monroe County Intermediate School District Southeast Michigan Community Alliance State of Michigan Department of Education -GED Prep and Testing -COMPASS Testing -Financial Literacy Courses via MBTeach

13. Opinion Piece Monroe Evening News January 29,2009

14. Conclusion Multiple approaches to areas served Concentration on literacy supported by products