What would life be like without a mortgage, no credit card or store debt? Would you live with a little less stress? Would you take more vacations, spend more time with the kids, volunteer more or just enjoy life more? We have your solution – pay yourself, not the bank!

Debt Elimination Wealth Building Retirement Planning Legacy Planning

Debt Free Company Phenomenal Ownership and Leaders Tens of Thousands of Clients Mission Based

Regional Entrepreneur of the Year

PrincipalInterestBalanceEquityPAID Month 1$199.10$1,000 Month 2$200.10$999 Year 1$210.33$988.77$197,543$2,457$14,389 Year 5$267.22$931.88$186,108$13,891$71,946 Year 10$360.44$838.66$167,371$32,628$143,891 Year 21$696.23$502.89$99,877$100,123$302,173 Year 30$431, year, $200,000 Loan - 6% Interest Rate - $1, Monthly Payment

Amortized vs. Simple Interest  $5,000 paid against the principal moves you 2.3 years ahead in the amortization schedule  The eliminated payments are mostly INTEREST Principal 2.3 years removed Amortization Schedule YR - 1 YR - 30

1.Interest Accumulation 2.Interest Float 3.Interest Cancellation 4.Strategic Payoff

How Would you Pay this off? $10,700 7% Installment Loan $4,800 4% Store Card $8,000 9% Credit Card $20,000 5% Auto Loan $200,000 6% Mortgage

Factorial Math 1 = 1 2 = 2 3 = 6 4 = 24 5 = = = 40,320 9 = 362, = 3,628, = 39,916, = 479,001, = 6,227,020, = 87,178,291,200 7 = 5,040

 The program analyzes Your monthly income and expenses All of your loans and creditors All of your mortgage loans Cash back rewards from credit cards Interest earned from savings and other accounts  Track all of your financial information with a single program

Strategic Payoff $4,800 $7,189$1,600

Making the Right Decision The Money Merge Account® System give you precise instructions and the information you need to make intelligent buying decisions.

Making the Right Decision The Money Merge Account® system give you precise instructions and the information you need to make intelligent buying decisions. If you choose to override the system it will immediately tell you what your loss will be for your emotional decision.

NOT a Bi-Weekly Program. NOT a Debt Roll Down Program. NOT a Reverse Mortgage. NOT a Concept or Theory.

It Guides you to…  Pay OFF Debts.  Save For Retirement.  Best Time To Buy.  Track Success.

The Money Merge Account® Program The Money Merge Account® Program Periodically Your Customized Money Merge Account Program (Financial GPS) Calculates Strategic Dollar Amounts To Pay Towards Your Debts And At The Most Optimum Time To Send It.

Option 1 Option 2 Years to pay off mortgage 1130 Interest paid $79,209 $236,080 Interest saved $156,870 $0 Retirement account $921,000 $0 Pay off at age 50 yrs old 69 yrs old Move forward with MMA, or keep doing what you’re doing?

Debt reduction Interest savings No refinancing of current debt Improved credit rating Risk free/high investment return Better management of finances Understanding of wealth building Convenience

Debt elimination No risk of loss of asset value Retirement planning with guaranteed growth, deferred earnings, and tax free income Lawsuit proof/judgment proof/creditor proof

Patent pending on unique system Control/control/control Cash value accumulation 1 st year Guaranteed return Dividend payment Recapture interest VS stock market, 401K, real estate, etc.

What would life be like without a mortgage, no credit card or store debt? Would you live with a little less stress? Would you take more vacations, spend more time with the kids, volunteer more or just enjoy life? How would you like to experience the benefits of banking and tax advantaged income without the risk of asset loss? We have your solution – pay yourself, not the bank!