1. Welcome to the presentation

2. ALOC – Checking – Savings Presentation
We would like to share with you today the Money Merge Account, or MMA. The Money Merge Account System is the first of its kind to be sophisticated enough to allow a debtor to utilize interest cancellation without having to qualify for a traditional line of credit. So let’s dive right into the information.
July 2008

3. 2005 Money Merge Account™ Program 2006 United First Financial
1997 Accelerated Equity
Founded by Skyler Witman and John Washenko in Draper, Utah
One of Utah’s fastest growing companies for 3 years.
In 2002, hired a group of experts to create a program to help homeowners pay off mortgage debt more effectively with little to no change in lifestyle.
Who is United First Financial? In 1997, Accelerated Equity and Development was founded in the Salt Lake City, Utah area and became one of the fasted growing mortgage brokerage businesses in a three-year period. But the owners saw a recurring situation: their clients kept coming back every 3-5 years to refinance in an attempt to pay off debt that they had accumulated—secured debt, unsecured debt—and to try to get themselves back on their feet with a payment that was manageable. They were trying to dig themselves out of the hole they had created from unmanaged debt, but they were actually digging that hole deeper, tacking more interest right back on to the loan that they had made some degree of headway on. And that is where we are at today. If we feel we can afford the payment, we feel that we can afford the situation. But basically what they were doing was using their homes like an ATM machine. Although business was very good, the owners realized they needed to seek a solution. And in seeking that solution, they developed the Money Merge Account program. In 2005, the Money Merge Account program was launched and test marketed in Denver to astounding results. This led the owners to found United First Financial in In 24 months, UFirst™ grew from 10 agents to tens of thousands of agents, affecting tens of thousands consumers’ financial situations and, inevitably, their lives.
2005 Money Merge Account™ Program
Denver Test Market
2006 United First Financial
In 24 months…UFirst grew from
ten Agents to thousands of Agents

4. See What the Experts Are Saying
Let’s also see what some industry experts have to say. The company has been featured in Mortgage Planner Magazine and Broker Banker. We’ve been featured in True Wealth and Personal Real Estate Investor, in which we received the Editors Choice award. These magazines are the industry standards, leaders in the mortgage and investment arenas. People look to these magazines for their information, for what is new, what is working, and what is viable in the marketplace. And these editors and writers found it necessary to bring United First Financial and the Money Merge Account™ program to their subscribers and their readers to let them know the kind of impact we are having in the community and the kind of impact we’re having on consumers.

5. Moving in the Right Direction
The owners and founders of United First Financial™ are left to right, Don Jorgensen, Skyler Witman, Jonathan Bonnette, Matt Lovelady and John Washenko. And as you can see, they are recipients of the Ernst & Young Entrepreneur Of The Year 2008 award in financial services for the Utah region. Ernst & Young doesn’t just look at a product and say, “Wow. That’s a nice idea. Let’s give them an award for that.” What Ernst & Young does is very intensive due diligence. They look at the financials of the company. They look at the longevity potential of the company. They look at customer retention. They look at the product itself for its viability in the marketplace. They want to know that the companies they look at, that they give this award to, have staying power in the marketplace, that they are not just a flash in the pan, that they are established with a good, strong business model to project future longevity and future impact on consumers. After doing all that research and due diligence, Ernst & Young realized that these five gentlemen fit their criteria and awarded them the Entrepreneur Of The Year 2008 award for the Utah region.
Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady and John Washenko

6. How Do Banks Work?
Why does the largest building in every city have a bank’s name on it?
Banks pay interest to earn interest.
Banks pay interest at <3%
Banks earn interest at >6%
Have you ever wondered why in most major cities in North America a bank’s name sits atop them? How have banks build their empire. One strategy banks have used is to pay interest to make interest. Let’s take a look at how this works. Banks have multiple ways of collectiong capital. Some of their main ways allow them to pay less than 3% and sometimes all the way down to 0% interest on that money they control. On the flip side banks tend to earn interest through multiple vehicles at an interest greater than 6% percent and sometimes up into the 20% range. Now let’s take a look at where banks can get capital at less than 3%. It comes from your check, savings and cd’s. And on that flip side your loans, credit cards and mortgages are what pay the bank’s the greater than 6%. The difference of what we earn interest at and pay interest at is known as arbitrage. As we can see here arbitrage can work for or against you so let’s take a look at how we can make it work for you.
Your checking, savings, cd’s
Earn <3%
Your loans, credit
cards, mortgages
pay >6%

7. Our System teaches you to make every dollar you make either earn interest or cancel interest!
The Money Merge Account System will guide you through making the money you already have and the money you continue to earn work the hardest it can for you ever single day of the year. It will make your money either earn interest or cancel interest.

8. John and Rebecca Jones $238,700 in Debt at age 40
Conventional Program
40 years old
30 years to zero
$247,764 in interest
Money Merge Account TM
System
40 years old
15.3 years to zero
$125,878 in interest
John and Rebecca Jones are out example couple of the average american family. John and Rebecca have achieved the dream of purchasing a home. They have $238,700 in debt and are currently 40 years old. Under their conventional mortgage and debt payment structure they are set to be debt free in 30 years at the rip old age of 70 and pay $247,764 in interest. With the Money Merge Account System we will reduce their payoff term by over 14 years and have John and Rebecca debt free by the age of 55 only paying $125,878 in interest. That is a savings of over $121 thousand dollars with no refinancing and little or no changes to their current standard of living.
$121,855 Total Interest Saved with the Money Merge Account

9. Four Required Components to Pay Off Your Debt in Record Time
Advance Line of Credit (ALOC)
A Home Equity Line of Credit, Personal or Business Line of Credit, or even a credit card will work, as long as it has the correct characteristics required by the Money Merge Account™ program
Checking and Savings Accounts
Money Merge Account Program
The Money Merge Account system requires 4 components to operate. The first is your debt which can be consumer debt, credit card debt, mortgages or a combination of all. Second you will need an ALOC or Advanced line of credit. The ALOC can be a Home Equity Line of Credit, a personal line of credit, a business line of credit or even a credit card with a limit of as little as $300. A checking and savings account with any banking institution. And the Money Merge Account coaching and software system.

10. Money Merge Account™ Program
NOT a Bi-Weekly Program
NOT a Debt Rolldown Program
NOT a Reverse Mortgage
NOT a Concept or Theory
Let’s take a look at what the Money Merge Account is not. The Money Merge Account is not a bi-weekly program, a debt rolldown program, a reverse mortgage or just some concept or theory. The Money Merge Account system is a proven mathematical principle using banking strategies to your advantage.

11. Four Key Money Saving Principles
Interest Accumulation
Interest Float
Interest Cancellation
4. Strategic Payoff
The Money Merge Account works off of 4 money saving principles that are 1. Interest Accumulation, 2. Interest Float, 3. Interest Cancellation, 4. Strategic Payoff. As we cover each of theses today in this presentation I will point them out to individually.

12. John and Rebecca Jones Income Structure Income Expense Discretionary
$5,000
$4,800
$200
Liability Structure
Debt
Amount
Rate
Payment
Term
Mortgage
$200,000 6% $
360
Credit Card $0
12%
$0.00
240
To understand each of the money saving principles we are going to look at our example couple John And Rebecca Jones. John and Rebecca make $5000 per month net or after taxes and they spend a combined $4800 per month on all of their debts and expenses. This means John and Rebecca only have $200 worth of discretionary income per month. John and Rebecca’s liabilities include a mortgage of $200k fixed at 6% for 30 years with a principle and interest payment of $1, John and rebecca also have a 12% credit card which they have a $0 balance on. For our example John and Rebecca are starting with no available cash in their checking and savings accounts.

13. Month 1
On month number 1 John and Rebecca start with their $200k mortgage.

14. Month 1
On the first day of the Month they get paid $5000 that is direct deposited into their checking account.

15. Month 1
The Money Merge Account System will instantly prompt them to make a transfer from their checking to their savings account so their money can start accumulating interest.

16. Month 1

17. Month 1
Throughout the month John And Rebecca will pay as many of their bill and expenses out of their credit card as they can. In many situations all bills can be paid out of a credit card so for simplicity we will use this as out example.

18. Month 2 1. Interest Accumulation -$199 +$12 @3%
At the beginning of month number 2 a few things have happened I would like to point your attention to. First John and rebecca made their first monthly payment to their mortgage resulting in a decrease of their principal balance by $199. Second their paycheck has sat in their interest bearing savings account and at 3% return has earned them $12 worth of interest. This is an example of our first money saving principle which is interest Accumulation. Next John and Rebecca receive their $5000 paycheck for month number 2.

19. Month 2
2. Interest Float 0%
The Money Merge Account System will prompt them to transfer $4800 from their checking to their credit card. Has anyone ever charged some items on a credit card and then paid it off by the end of the grace period? How much interest do you pay on those charges? That’s right 0%. This is an example of our second money saving principle, Interest Float. The ability to use a banks money for free for a period of time while your money gains interest.

20. Month 2
$3,789
Now the Money Merge Account system knows there is $5012 in savings and $200 in checking and has calculated for John and Rebecca that it is time to do an advanced funds transfer. An advanced funds transfer is an additional principal payment to one of your debt. This additional money comes from a combination of interest accumulation, discretionary income and interest cancellation not from your budget. The Money Merge Account system has calculated the exact amount of $3789 to be transfer from savings to checking. This amount will be different for ever time and for every person. Chances are that you will never do the exact same funds transfer twice.

21. 3. Interest Cancellation
Funds Transfer
3. Interest Cancellation
By Completing the transfer John and Rebecca Jones now have $1,223 in savings and $3989 in checking. The system will now prompt them to transfer $3989 from checking to their mortgage. This transfer is additional principal and will drastically reduce the amount of interest they are scheduled to pay on their mortgage. This is our third money saving principle, interest cancellation. Let’s take a look at how much they have saved in the first two months.

22. Prepayment Savings Example
$195,812 New principal loan balance
6% Interest rate
$1, Monthly payment
340 Months (Not 358 – Cancelled 18 months)
$231,677 Original interest paid
-$212,930 New interest paid
$18, Total Savings
John and Rebecca now have a principal balance of $195,812 and are still locked at 6% interest with a payment of $ but instead of the original term of 358 more months john and rebecca will now pay off in 340 months. That’s a reduction of 18 months and this is only the first advanced funds transfer. They were originally set to pay $231,677 in interest and now will only pay $212,930 for an interest savings of $18,746.21

23. Bank Like a Bank CANCEL INTEREST
Computes the optimal time to leverage money
to pay off your debts and cancel interest.
Sounds simple, but it is millions of lines of codes and
multiple math algorithms hard at work.
The Money Merge Account system allows you to start banking like a bank. It will computer the optimal time to leverage money to pay off debts and cancel interest. It may sound simple but it is millions of lines of code and multiple math algorithms hard at works.
Ever since banks opened their doors, they have relied on math and timing to make money work.
Now it’s your turn to bank like a bank.

24. How Would you Pay this off?
120 24 1 2 6
$200,000 6%
Mortgage
$20,000 7%
Auto Loan
$10,700 7%
Installment Loan
$8,000 9%
Credit Card
Now so far we have kept it very basic with just a mortgage. But that is not very realistic so lets take a look at a more realistic scenario and I am going to need you response on this. If you only have 1 debt there is only 1 order to pay that debt off. But if you have 2 debts you can pay off those debts in 2 different orders. In this example john and Rebecca can pay off the mortgage first and then the installment loan or they can pay off the installment loan and then the mortgage. Still sounds sort of easy but did you know if you have 3 debts there are 6 different orders in which you can pay them off. With 4 debts there are 24 different orders and with 5 debts there are 120 different orders in which you can pay off those debts. Which order would you choose to pay these debts off. Did you know that even with the same interest rate there can be a better debt of two to pay off?
$4,800
12%
Credit Card

25. 4. Strategic Payoff
Looks at the characteristic’s of each debt including
Amount owed
Length of debt
Interest rate
Calculation of Payment
Adjusting Rates
Our fourth money saving principle is strategic payoff. The Money Merge Account system takes into account the amount owed, length of debt, interest rate and calculation of the payment to determine which debt is the best to pay off first. It even has the ability to dynamically change based on when rates adjust on your debts.

26. Factorial Math Over 6 BILLION
Fair Isaac* reports the average consumer has 13 active creditors on their credit report.
Over 6 BILLION
This strategic payoff is based on the math algorithm called factorial math. Fair Isaac the creators of the FICO score report that the average American has 13 active creditors on their credit report. This means the average American has over 6 Billion different orders in which they can payoff their debts. How many do you thing are doing it in the right order? *

27. John and Rebecca Jones Income Structure Income Expense Discretionary
$5,000
$4,800
$200
Liability Structure
Debt
Amount
Rate
Payment
Term
Mortgage
$200,000 6% $
360
Credit Card
$8,000 9%
$72.00
240 $0
12%
$0.00
Loan
$10,700 7%
$125.00
120
Auto Loan
$20,000 5%
$377.00 60
Let’s take a look at our example couple John and Rebecca and include in their debts. John and Rebecca still make $5000 per month and spend $4800. They still have a $200k mortgage at 6% for 30 years with a payment of $ But we have now made John and Rebecca a little more realistic. John and Rebecca have a credit card with a rolling balance of $8k a loan with a balance of $10700 and an auto loan with a balance of $20k.

28. Month 1
Let’s start back at month number one. On the first day of the Month they get paid $5000 that is direct deposited into their checking account.

29. Month 1
The Money Merge Account System will instantly prompt them to make a transfer from their checking to their savings account so their money can start accumulating interest. Throughout the month John And Rebecca will pay as many of their bill and expenses out of their credit card as they can. In many situations all bills can be paid out of a credit card so for simplicity we will use this as out example.

30. Month 2
At the beginning of month number 2 a few things have happened. First on the right our mortgage has been reduced by $199. The loan has been reduced by . The auto loan has been reduced by . The Savings account has accumulated $12 worth of interest at 3%. They receive their 2 motnhs pay check in the amount of $5000.

31. Month 2
$3,789
The Money Merge Account system is now going to prompt John and Rebecca to transfer $3789 from savings into checking.

32. Strategic Payoff
$4,800
$3,989
$4,800
Now with $8789 in checking and $1223 in savings The Money Merge Account system is going to calculate exactly where that money is best used while still accounting for John and Rebecca's upcoming expenses. In the example of John and Rebecca only having a mortgage the system had them pay off the credit card in full with a transfer of $4800. But with other debts that might not be the optimal way to pay off their debt load so it might prompt them to transfer $1600 towards the credit card and $7189 as an advanced funds transfer to their auto loan. This is determined by all of the factors of strategic payoff and the avalable limits on their currents lines of credit and credit cards.

33. Making the Right Decision
If you choose to override the system, it will immediately tell you what the impact of your emotional decision will be
One things I want to make completely clear… You are still in complete control of your money. You do not have to follow the optimal order of payoff the money merge account suggests. You can override the system with just the click of a mouse. If you choose to do so though I have to warn you the results can be drastic. The Money Merge Account System will immediately adjust your dashboard dashlets to reflect the changes you have made.

34. The Money Merge Account™ Program Is Your Financial GPS
It guides you to:
Pay off debts
Save for retirement
Stay Focused
Track success
Think of the Money Merge Account system as your financial GPS. It guides you to paying off debts, saving for retirement, staying focused and tracking your success. At any point you can check how far you have gone, how far you have left and what your stats have been along the way.
Financial GPS

35. $121,855 Total Interest Saved with the Money Merge Account
John and Rebecca Jones
Conventional Program
Money Merge Account TM
System
40 Years Old
40 Years Old
30 years to zero
15.3 years to zero
$247,764 in interest
$125,878 in interest
Utilizing the Money Merge Account program our example couple John and Rebecca will save $121,855 in interest. What could you do with that extra money. Take vacations, retire spend more time with family?
$121,855 Total Interest Saved with the Money Merge Account

36. Achieving Your Financial Goals Begins with Debt Elimination
Let the UFIRST representative who introduced you to our powerful solution run a free analysis for you
Will it work for you? There is only one way to find out. Get back with the UFIRST representative who introduced you to the program and ask them to run a free no obligation analysis on your debt. There are no credit checks or account numbers required. 36

37. United First Financial, its Agents and subsidiaries provide Internet, Web-based software and support services. United First Financial does not provide accounting, tax, legal, real-estate, mortgage, or investment advice. Interested parties should seek and consult with persons or entities licensed and qualified in those areas for advice relating to those matters. United First Financial is not liable or responsible for claims or representations made by any party which are not included in the Money Merge Account™ Limited Guarantee.

38. Thank You
We would like to share with you today the Money Merge Account, or MMA. So let’s dive right into the information. 38