1. The Money Merge Account Guiding You To The Fastest Way To Zero

2. maCapital Resources ™ Most everyone is trying to look for ways to save money: –Cheapest gas –Lowest rates on insurance –Cutting Living expenses –Clipping Coupons –Refinance to a lower interest rate –Trying to squeeze every dollar out of everything you do? Where does it get you? –A few dollars ahead? –A few thousand dollars ahead?

3. maCapital Resources ™ Mortgage, Credit Cards, Auto Loans, Student Loans, etc. –This is where most of our income goes each month. –What if you could drastically change this scenario? –What if these were all ZERO? How would having ZERO DEBT impact your financial situation? Most of us Have……

4. maCapital Resources ™ What if you could take the money you are currently giving to the banks to repay your loans and fund your retirement? If you didn’t have to pay for a mortgage, credit cards, or student loans, how much money would you have each month? Would your quality of life be different?

5. maCapital Resources ™ Buying a home for $200,000 with a 6% mortgage over 30 years actually costs $431, 676.38! You will pay $231, 676.38 in INTEREST ALONE! What if you could put the majority of that $231,676.38 back in your pocket?

6. maCapital Resources ™ Would you invest $3,500 to keep $110,398? –If this was an “investment”, this would equate to a 23.1% average annual rate of return. –No mortgage, auto loan, credit card, etc. payment after 15.1 years vs. 30 years. Do you know anyone that might be willing to do the same? –Would you share this program with someone if you knew it could change their lives forever?

7. CONVENTIONAL PROGRAMma Money Merge Account $200,000 TOTAL INTEREST SAVED USING THE MONEY MERGE ACCOUNT 51 YEARS OLD 28.5 YEARS TO ZERO10.4 YEARS TO ZERO $255,000 IN INTEREST$55,000 IN INTEREST What Can the Money Merge Account Do For You? Active Client Example

8. A PARADIGM SHIFT

9. WHAT IS THE MONEY MERGE ACCOUNT ® ? THE POWER TO MANAGE YOUR PERSONAL FINANCES LIKE A BANK IN THE PRIVACY OF YOUR OWN HOME A SYSTEM ALLOWING YOU TO LIVE LIFE AND MAKE FINANCIAL DECISIONS KNOWING HOW THEY WILL IMPACT YOUR FUTURE SOPHISTICATED MATHEMATICAL FORMULAS IN A POINT-AND-CLICK USER-FRIENDLY INTERFACE

10. Financial GPS IT GUIDES YOU TO: PAY OFF DEBTS SAVE FOR RETIREMENT STAY FOCUSED TRACK SUCCESS THE MONEY MERGE ACCOUNT ® PROGRAM IS YOUR FINANCIAL GPS

11. DO I QUALIFY FOR THE MONEY MERGE ACCOUNT PROGRAM ® ? DEBT ADVANCED LINE OF CREDIT (ALOC) CHECKING AND SAVINGS ACCOUNT MONEY MERGE ACCOUNT PROGRAM MORTGAGE, CREDIT CARD, STUDENT LOAN, CAR LOAN, BOAT LOAN … HOME EQUITY LINE OF CREDIT PERSONAL OR BUSINESS LINE OF CREDIT CREDIT CARD ALL WOULD WORK AS LONG AS IT HAS THE FUNCTIONAL CHARACTERISTICS THE MONEY MERGE ACCOUNT PROGRAM REQUIRES. YOUR BANK, YOUR IN CONTROL COACHING AND CUSTOMER SUPPORT

12. ADDITIONAL QUALIFICATIONS THE DESIRE TO… … GET OUT OF DEBT … TAKE CONTROL OF YOUR FINANCES … MAKE EDUCATED DECISIONS WITH FINANCIAL FORESIGHT … DISCIPLINE TO STAY ON TRACK

13. THE MONEY MERGE ACCOUNT ® IS NOT… BI-WEEKLY PAYMENT PROGRAM DEBT ROLL DOWN PROGRAM CONCEPT OR THEORY

14. LIABILITY STRUCTURE DEBTAMOUNTRATEPAYMENTTERM MORTGAGE$200,0006%$1199.10360 CREDIT CARD$8,0009%$72.00240 CREDIT CARD$012%$0.00240 LOAN$10,7007%$125.00120 AUTO LOAN$20,0005%$377.0060 INCOME STRUCTURE INCOMEEXPENSEDISCRETIONARY $5,000$4,800$200 JOHN & REBECCA JONES

15. WHAT IS “INTEREST?” ITS WHAT WE PAY ON OUR DEBTS ITS WHAT WE EARN ON OUR MONEY WHAT BROUGHT YOU TO THIS PRESENTATION? ITS WHAT WE NEED TO UNDERSTAND TO TAKE CONTROL OF YOUR FUTURE!

16. HOW DOES THE MONEY MERGE ACCOUNT ® WORK? INTEREST ACCUMULATION YOUR MONEY MAKING YOU MONEY 24 HOURS A DAY INTEREST FLOAT USING OTHER PEOPLES MONEY FOR A SHORT PERIOD OF TIME INTEREST CANCELLATION KNOWING WHAT TO PAY & WHEN TO PAY IT, TO CANCEL THE MOST AMOUNT OF INTEREST STRATEGIC PAYOFF EVALUATION OF EVERY DEBT AND THEIR DIFFERENT VARIABLES TO FIND THE FASTEST WAY TO ZERO

17. INTEREST ACCUMULATION & INTEREST FLOAT LETTING MORE OF YOUR MONEY WORK FOR THE LONGEST PERIOD OF TIME (BANK LIKE A BANK) OPM (OTHERS PEOPLES MONEY) LET YOUR MONEY WORK FOR YOU WHILE YOU MAXIMIZE INTEREST FLOAT

18. ORIGINAL LOAN AMOUNT $200,000.00 $1,199 First monthly payment $5,000 Additional principal payment $6,199 Total first payment Interest Cancellation

19. $195,000New principal loan balance 6%Interest rate $ 1,199Monthly payment 359Months $231,677Original interest paid $203,373New interest paid $ 28,304 -$ 5,000Additional principal payment $ 23,304Total Interest Savings Interest Cancellation

20. STRATEGIC PAYOFF $10,700 7% Installment Loan $4,800 12% Credit Card $8,000 9% Credit Card $20,000 7% Auto Loan $200,000 6% Mortgage 12624120 THE FASTEST WAY TO ZERO

21. A SOLUTION FOR EVERY SITUATION MA PRO FOR YOUR MORTGAGE FAMILIES WITH MORE THAN $80,000 IN CONSUMER DEBT INCLUDING BUT NOT LIMITED TO; CAR LOANS, STUDENT LOANS, CREDIT CARD DEBT… MA EXPRESS LESS THAN $80,000 IN CONSUMER DEBT AND NO MORTGAGE DEBT

22. 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.

23. CONVENTIONAL PROGRAM MONEY MERGE ACCOUNT ® SYSTEM 40 YEARS OLD 30 YEARS TO ZERO15.1 YEARS TO ZERO $247,764 IN INTEREST$121,278 IN INTEREST JOHN & REBECCA JONES $126,486 TOTAL INTEREST SAVED WITH THE MONEY MERGE ACCOUNT SYSTEM

24. THE POWER OF THE MONEY MERGE ACCOUNT ® PROGRAM JOHN & REBECCA JONES $200,000 / 30-YEAR FIXED-RATE MORTGAGE AT 6% = $1199 PER MONTH TRADITIONAL REPAYMENT INTEREST PAID $231,667 PAYOFF 360 MO / 30 YEARS SAVINGS = $0.00 BI-WEEKLY INTEREST PAID $182,053 PAYOFF 294 MO / 24.5 YEARS SAVINGS = $49,614 EXTRA PAYMENT $200.00 MONTH INTEREST PAID $151,876 PAYOFF 251 MO / 20.9 YEARS SAVINGS = $79,791 MONEY MERGE ACCOUNT ($200) INTEREST PAID $119,242 PAYOFF 179 MO / 14.9 YEARS SAVINGS = $112,425 THE CHOICE IS YOURS!

25. CONVENTIONAL PROGRAM MONEY MERGE ACCOUNT ® SYSTEM 40 YEARS OLD 30 YEARS TO ZERO15.1 YEARS TO ZERO $247,764 IN INTEREST$121,278 IN INTEREST JOHN & REBECCA JONES $126,486 TOTAL INTEREST SAVED WITH THE MONEY MERGE ACCOUNT SYSTEM

26. ACHIEVING YOUR FINANCIAL GOALS BEGINS WITH DEBT ELIMINATION WILL IT WORK FOR YOU? THERE IS ONLY ONE WAY TO FIND OUT. ASK YOUR LOCAL MA INDEPENDENT AGENT WHO INTRODUCED YOU TO THE PROGRAM TO RUN A FREE, NO OBLIGATION ANALYSIS ON YOUR TOTAL CONSUMER DEBT. THERE ARE NO CREDIT CHECKS OR ACCOUNT NUMBERS REQUIRED TO SEE WHAT YOUR POTENTIAL SAVINGS COULD BE.