THE CORPORATE LIBRARY

Related Party Transactions and Outside Related Director Information

MBT Financial Corp. (MBTF)

3/28/2006 Proxy Information

Directors and executive officers of MBT and their associates were customers of, or had transactions with, Monroe Bank & Trust in the ordinary course of business during 2005. We expect additional transactions to take place in the future. All outstanding loans to directors and executive officers and their associates, commitments and sales, purchases and placements of investment securities and other financial instruments included in such transactions were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral where applicable, as those prevailing at the time for comparable transactions with other persons, and did not involve more than normal risk of collectibility or present other unfavorable features.

In addition, Monroe Bank & Trust, pursuant to the terms of a lease entered into on October 15, 2002, paid DM Company $79,480 in 2005, and over the ten year term of the lease, payments will total $739,094 as lease payments for the branch located at 2517 Fort Street, Wyandotte, Michigan. Mr. Daly is Manager and part owner of DM Investments, LLC, doing business as DM Company, a real estate investment firm. The lease agreement

was entered into prior to Mr. Daly becoming a director, and management believes the lease between the Bank and DM Company was made on an arms-length basis.

Monroe Bank & Trust purchased employee benefits insurance coverage in 2005 for which Daly Merritt, Inc. received $41,140 in commissions. Monroe Bank & Trust anticipates renewing these insurance policies in 2006, for which Daly Merritt, Inc. would receive additional commissions anticipated to be approximately $96,000. Mr. Daly is President, General Counsel and part owner of Daly Merritt, Inc.

Monroe Bank & Trust also paid NC, Inc. owned by Nicholas Carlton, Peter H. Carlton's brother, $172,455 in 2005 for janitorial services at its branch offices. We anticipate paying NC, Inc. a comparable amount for these same services in 2006. Monroe Bank & Trust has used NC, Inc. for janitorial services for several years, beginning prior to Peter H. Carlton's service as our director. We believe the terms, including price, on which NC, Inc.'s services are provided are competitive and reflect an arms-length transaction. Peter H. Carlton has no interest in NC, Inc. and receives no benefits from the Bank's use of its services.

Mr. Lipford is a principal of the law firm of Miller, Canfield, Paddock & Stone, P.L.C., which provides legal services to MBT and Monroe Bank & Trust.

3/29/2005 Proxy Information

Directors and executive officers of MBT and their associates were customers of, or had transactions with, Monroe Bank & Trust in the ordinary course of business during 2004. We expect additional transactions to take place in the future. All outstanding loans to directors and executive officers and their associates, commitments and sales, purchases and placements of investment securities and other financial instruments included in such transactions were made in the ordinary course of business, on substantially the same terms, including interest rates and collateral where applicable, as those prevailing at the time for comparable transactions with other persons, and did not involve more than normal risk of collectibility or present other unfavorable features. In addition, Monroe Bank & Trust, pursuant to the terms of a lease entered into on October 15, 2002, paid D-M Company $64,899 in 2004, and over the ten year term of the lease, payments will total $739,094 as lease payments for the branch located at 2517 Fort Street, Wyandotte, Michigan. Mr. Daly is an officer of D-M Company. The lease agreement was entered into prior to Mr. Daly becoming a director, and management believes the lease between the Bank and D-M Company was made on an arms-length basis. Monroe Bank & Trust also paid NC, Inc. owned by Nicholas J. Carlton, Peter H. Carlton's brother, $175,735 in 2004 for janitorial services at its branch offices. We anticipate paying NC, Inc. a comparable amount for these same services in 2005. Monroe Bank & Trust has used NC, Inc. for janitorial services for several years, beginning prior to Peter H. Carlton's service as our director. We believe the terms, including price, on which NC, Inc.'s services are provided are competitive and reflect an arms-length transaction. Peter H. Carlton has no interest in NC, Inc. and receives no benefits from the Bank's use of its services. Mr. Lipford is a senior principal in the law firm of Miller, Canfield, Paddock & Stone, P.L.C., which provides legal services to MBT and Monroe Bank & Trust.