A significant portion of Americans experience financial stress, with 70% living paycheck to paycheck and a substantial percentage facing debt, such as credit card and mortgage obligations. The Money Merge Account system, developed to assist homeowners in paying off their debts efficiently, claims to provide methods that can lead to complete debt repayment much faster than conventional methods. By employing specific algorithms and strategic payments, users of the system reportedly save substantial amounts in interest while accelerating their path to financial freedom.

2. Are You Worried About Money? 70% of people are living paycheck to paycheck 55% are “sometimes” or “always” worried about money - Wall Street Journal

3. More than 40% of American families spend more than they earn. (Federal Reserve) 1 in 60 US households filed bankruptcy in 2005. (Debt Trap Documentary)

4. Mortgage Debt Nearly 1 in 519 homeowners, received a fore-closure filing during April 2008. - (U.S. Foreclosure Market Report from RealtyTrac)

5. Credit 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)

6. 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

7. 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?

8. 30 year, $200,000 Loan ■ 6% Interest Rate ■ $1,199.10 Monthly Payment The Real Truth in Lending 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

9. John and Rebecca Jones $238,700 in Debt $121,855 Total Interest Saved with the Money Merge Account 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

10. Accelerated Equity & Development Founded 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

11. 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:

12. See What the Experts Are Saying

13. Founders

14. 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’s Earn <3% Banks earn interest at >6% Your loans, credit cards, mortgages pay >6% How do Banks Work? REALITY

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

16. 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:

17. NOT a Bi-Weekly Program NOT a Debt Roll Down Program NOT a Reverse Mortgage NOT a Concept or Theory Money Merge Account

18. Four key money saving principals Interest Accumulation Interest Float 3. Interest Cancellation 4. Strategic Payoff

19. 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

20. MONTH 1

21. MONTH 1

22. MONTH 1

23. MONTH 1

24. MONTH 1

25. MONTH 1 +$12 @3% -$199 Interest Accumulation

26. MONTH 2 0% Interest Float

27. MONTH 2 $3,789

28. Funds Transfer Interest Cancellation

29. $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

30. MONTH 3 $0 $1,223 $0 $195,800 $1 $100 $10,000 $1,000,000 Checking Savings CC Mortgage

31. Bank 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! CANCEL INTEREST Computes the Optimal Time To Leverage Money to Pay Off Your Debts and Cancel Interest

32. 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 1 2 6 24 120

33. 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 = 87,178,291,200 7 = 5,040

34. 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

35. 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

36. Month 1

37. Month 1

38. Month 2

39. $3,789 Month 2

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

41. 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

42. 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

43. The 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.

44. Optimizer Package* Customizable dashboard Dashlets Multiple Dashboard setting Text Messaging True Cost Money Folders *Subscription Required (ask agent for details) ‏

45. $121,855 Total Interest Saved with the Money Merge Account Conclusion of John & 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

46. 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…

47. Thank You

49. 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

50. 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.