Are You Worried About Money?Are You Worried About Money?

• 70% of people are living paycheck to paycheck70% of people are living paycheck to paycheck• 55% are “sometimes” or “always” worried about 55% are “sometimes” or “always” worried about

moneymoney- Wall Street Journal- Wall Street Journal

More than 40% of American More than 40% of American families spend more than families spend more than they earn. they earn. (Federal Reserve) (Federal Reserve)

1 in 60 US households filed 1 in 60 US households filed bankruptcy in 2005. bankruptcy in 2005. (Debt (Debt Trap Documentary)Trap Documentary)

Mortgage DebtMortgage Debt

Nearly 1 in 519 homeowners, received a fore-Nearly 1 in 519 homeowners, received a fore-closure filing during April 2008. closure filing during April 2008.

- - (U.S. Foreclosure Market Report from RealtyTrac) (U.S. Foreclosure Market Report from RealtyTrac)

Credit Card DebtCredit Card Debt

The typical household has $38,000 in debt. (Consumer Reports Money Book)

On average, today's consumer has a total of 13 credit obligations on record at a credit bureau. Of these 13 credit obligations, 9 are likely to be credit cards & four are likely to be installment loans. (myfico.com)

And the PAIN Continues…And the PAIN Continues…

If THIS doesn’t disturb you, what will?

80% of family problems are related to financial stress

Foreclosures/Bankruptcies Loss of Hope

Do you have any type of consumer debt?

Would you like to be out of debt sooner or later?

Would you trade $3 for $18 if it was Guaranteed?

If you had a choice of using your money or someone

else’s money to pay your bills whose would you use?

Principal Interest Balance Equity Paid

Month 1

Month 2

Year 1

Year 5

Year 10

Year 21

Year 30

$199.10 $1,000

$200.10 $999

$210.33 $988.77 $197,543 $2,457 $14,389

$267.22 $931.88 $186,108 $13,891 $71,946

$360.44 $838.66 $167,371 $32,628 $143,891

$696.23 $502.89 $ 99,877 $100,123 $302,173

$431,677

30 year, $200,000 Loan ■ 6% Interest Rate ■ $1,199.10 Monthly Payment

The Real Truth in Lending

Conventional Program

40 years old

30 years to zero

$247,764 in interest

John and Rebecca Jones$238,700 in Debt

$121,855 Total Interest Saved with the Money Merge Account

Money Merge Account TM

System

40 years old

15.3 years to zero

$125,878 in interest

Accelerated Equity & DevelopmentFounded by best friends Skyler Whitman and John Washenko in 1997 in Draper, Utah. Mortgage Brokers with a conscience! Bi-Weekly not fast enough. In 2002, hired a group of experts to create a Risk Free program to help homeowners achieve similar results. Spent 2 years and $2 million developing software.

The Money Merge Account Beta Test Denver, Colorado – Over 400 homeowners – Progress was tracked for 1 year in hopes their results would be similar results to Australia, and by now the UK and New Zealand.

Who is

After only 1 year on the system 98% of the homeowners were on track to pay off their home in anywhere from 8-11 years!!!

The Results:

See What the Experts Are SayingSee What the Experts Are Saying

Founders

Why does the largest building in every city have a banks name atop of it? Banks pay interest to earn interest.

Banks pay interest at <3%

Your checking, savings, cd’sEarn <3%

Banks earn interest at >6%

Your loans, credit cards, mortgages pay >6%

How do Banks Work?

REALITY

Our System teaches you to make every dollar you earn either make interest or cancel interest!

• Your Debt• Advance Line of Credit (ALOC)

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.

• Money Merge Account System

Three Required Components to pay off your debt in record time:

• NOT a Bi-Weekly Program

• NOT a Debt Roll Down Program• NOT a Reverse Mortgage

• NOT a Concept or Theory

Money Merge Account

Four key money saving principals

1. Interest Accumulation

2. Interest Float

3. Interest Cancellation

4. Strategic Payoff

John and Rebecca Jones

Liability Structure

Debt Amount Rate Payment Term

Mortgage $200,000 6% $1199.10 360

Credit Card $0 4% $0.00 240

Income Structure

Income Expense Discretionary

$5,000 $4,800 $200

MONTH 1

MONTH 1

MONTH 1

MONTH 1

MONTH 1

MONTH 1

+$12@3%

-$199

Interest Accumulation

MONTH 2

0%

Interest Float

MONTH 2

$3,789

Funds Transfer

Interest Cancellation

$195,812 New principal loan balance

6% Interest rate

$1,199 Monthly payment

340 Months (Not 358 – Cancelled 18 months)

$231,677 Original interest paid

-$212,930 New interest paid

$18,746.21 Total Savings

Prepayment Savings Example

MONTH 3

$0

$1,223

$0

$195,800

$1

$100

$10,000

$1,000,000

Checking Savings CC Mortgage

Bank Like A BankBank Like A Bank

Sounds Simple…But It Is Millions of Lines of Code and multiple Math Algorithms HARD AT WORK!

Ever Since Banks Opened Their Doors…

They Relied On Math And Timing To Make

Your Money Work Best For Them…

Now It’s Your Turn…To Bank Like A Bank!

Computes the Optimal Time To Leverage Money to Pay Off Your Debts and Cancel Interest

How Would you Pay this off?

$10,7007%Installment Loan $4,800

4%Store Card

$8,0009%Credit Card

$20,0005%Auto Loan

$200,0006%Mortgage

12624120

Factorial Math

1 = 1

2 = 2

3 = 6

4 = 24

5 = 120

6 = 720

8 = 40,320

9 = 362,880

10 = 3,628,800

11 = 39,916,800

12 = 479,001,600

13 = 6,227,020,800

14 = 87,178,291,2007 = 5,040

Strategic Payoff

• Strategic payoff is achieved by an algorithm called factorial math

• Our strategic payoff wizard looks at these characteristic of each debt

• Amount owed, length of debt, interest rate and how the minimum payment is calculated continuously adjusting debts

John and Rebecca Jones

Liability Structure

Debt Amount Rate Payment Term

Mortgage $200,000 6% $1199.10 360

Credit Card $8,000 9% $72.00 240

Credit Card $0 4% $0.00 240

Loan $10,700 7% $125.00 120

Auto Loan $20,000 5% $377.00 60

Income Structure

Income Expense Discretionary

$5,000 $4,800 $200

Month 1

Month 1

Month 2

$3,789

Month 2

Strategic Payoff$4,800

$7,189 $1,600

Making the Right Decision

If you choose to override the system it will immediately tell you what your loss will be

for your emotional decision

Financial GPS

It guides you to…

Pay Off Debts

Save For Retirement Best Time to Buy

Track Success

The Money Merge Account is your Financial GPS

The Money Merge SystemThe Money Merge System

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.

Optimizer Package*

• Customizable dashboard• Dashlets

• Multiple Dashboard setting

• Text Messaging• True Cost

• Money Folders

*Subscription Required (ask agent for details)

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

$121,855 Total Interest Saved with the Money Merge Account

Conclusion of John & Rebecca Jones

Get Your Own Personal Money Merge Account Analysis

completed for you FREE OF CHARGE

As Soon As Possible to find out how many years of mortgage payments and

how many thousands of dollars in interest charges we can eliminate for you!!!

You have nothing to lose…except Mortgage Payments!!!

Will it work for you?

The Million $ Question is…

Thank You

Agent Opportunity

If you would like more information regarding the opportunity of marketing

this incredible service to your clients and anyone else you know who has a

mortgage, we will review the Agent Compensation Plan in this same room

from 8:45pm - 9:15pm

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.