The document discusses how excessive consumer debt is destroying the dreams and financial stability of many American families, with statistics showing that over 40% of families spend more than they earn each month and more people will declare bankruptcy than graduate college in 2008. It then presents the Money Merge Account software as an effective way to become debt free faster by strategically paying off debts, saving thousands in interest costs and building wealth over the long run.

1. What Were Your Childhood Dreams?

2. Debt Destroys Our Dreams

3. Statistics on Debt Debt Destroys Dreams
More than 40% of
American families
spend more than
they earn.
(Federal Reserve)

4. Who Files Bankruptcy?
 Well educated, middle class baby boomers
with big time credit card debt. (University of
Texas study printed in Wall Street Journal)
 In 2008, more people will file for bankruptcy
than will graduate from college. (Bureau of
Labor Statistics Consumer Expenditure Survey)

5. Could we achieve more, if we were not
slaves to the lender?
 In 1 9 2 9 – O n ly 2 % o f h o m e s in
A m e r ic a h a d a m o r t g a g e a g a in s t
th e m . 9 8 % w e re Mo rtg a g e FR EE
 In 1 9 6 2 - 9 8 % had a M o r t g a g e A g a in s t
th e m

6. The Economic Meltdown
 New Home sales tumbled to a 17 year low in
August 2008. Associated Press 9/25/08
 Nearly 6 out of 10 Americans believe a
“Depression” is likely. CNN 10/6/08
 Many more banks could fail. CNN 10/6/08
 The U. S. could see 25% unemployment rate
and millions of families homeless & hungry.
CNN 10/6/08
 760,000 jobs have been lost so far this year!
Bureau of Labor Statistics 10/30/08
 One quarter of U.S. employers expect to lay-
off workers in the next 12 months. 6

7. “ We can't s olve prob le ms
b y us ing the s ame kind of
thinking w e us e d w he n w e
cre ate d the m. ”
Albert Einstein

8. We Must Change Our Habits!
Wh e n s u rv e y e d , th e Forbes
400 w e re a s k e d “ W h a t is t h e m o s t
im p o r t a n t k e y t o b u i ld in g w e a l t h ? ”
7 5 % R e p lie d t h a t b e c o m in g
a n d s t a y in g d e b t f r e e w a s
th e n u m b e r o n e k e y to
b u ild in g w e a lt h … re me mb e r
w e alth is as s e ts minus liab ilitie s .

9. “ Th o s e w h o
u n d e r s t a n d in t e r e s t
a r e d e s t in e d t o e a r n
it , w h ile t h o s e t h a t
d o n ’ t a re d o o m e d to
p a y it . ”

10. What if you could…
 Become debt free &
begin to create wealth
in 1/3rd the normal time
without:
 Changing your
standard of living
 Refinancing any of your
debts
 Changing your current
monthly payments
10

11. •1997 Accelerated Equity
One of Utah’s Fastest Growing Companies in 3 Years
2002 Focused on Cure For Clients
Saw both their parents face foreclosure while growing
up. They Sought
•2005 Money Merge Account (MMA) Cure…
This
Skyler Witman Because The
2005-2006 The “Denver 400” Project – Beta Test
Home Was
An ATM IN
John •2006 UFirst Financial Launches
Disguise!
In 12 Months…UFirst From 10 Agents To Over 28,000.
Washenko •2008 – Now over 50,000 clients!

12. 12

13. Why This Works
The 3 Power Principles of Money
• The Time Value of Money
•Who is your $$$ working for?
• Strategic Payoff
•What is the fastest path to zero debt & wealth creation?
• Consequences of our $$$ Decisions
•We need a financial dashboard.
All Managed by Highly Sophisticated Algorithms
With real time fluid results and positioning.
13

14. $ 2 0 0 ,0 0 0 P r in c ip a l B a la n c e
6 % In t e r e s t R a t e
$ 1 ,1 9 9 .1 0 M o n t h ly P a y m e n t
Principal Interest Balance Equity Paid
Month 1 $199.10 $1,000.00
Month 2 $200.10 $999.00
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 $431,677

15. S a m p le F a m ily
$5,000 Monthly income
-$4,000 Living expense (mortgage, car payment)
$1,000 Discretionary income

16. 16

17. Our Way

18. Our Way
18

19. Why This Works
The 3 Power Principles of Money
• The Time Value of Money
•Who is your $$$ working for?
• Strategic Payoff
•What is the fastest path to zero debt & wealth creation?
• Consequences of our $$$ Decisions
•We need a financial dashboard.
All Managed by Highly Sophisticated Algorithms
With real time fluid results and positioning.
19

20. Strategic Pay Off Example
How Would You Pay This Off?
$200,000
6.0% $42,296
Mortgage 2.75%
$21,538 $27,753 Auto Loan
7% 16%
Line of Credit Credit Card
Balance
$7,753
$4,309 9.125%
6.125% Boat Loan
Furniture

21. Math – Working For or Against Us?

22. Strategic Payoff Example
What is the best way to use $5,000?

23. Strategic Pay Off Example

24. Strategic Pay Off Example

25. Financial GPS
Imagine using a Smart
Money System that shows
you how to keep more of
Financial G
PS your hard earned money
and put it to work for you.

26. Why does this work?
The 3 Power Principles of Money
• The Time Value of Money
•Who is your $$$ working for?
• Strategic Payoff
•What is the fastest path to zero debt & wealth creation?
• Consequences of our $$$ Decisions
•We need a financial dashboard.
All Managed by Highly Sophisticated Algorithms
With real time fluid results and positioning.
26

27. A Tale of Two Brothers
Brother A: Opens a tax-deferred account at 10% at 22, and invests $5,500 Brother B: Waits until he is 29, then invests $5,500 a year into a 10% tax-
a year for eight years, then stops investing. deferred account until he is 65 years old.
Brother A Brother B
End of Year End of Year End of Year End of Year
Age Payment Age Payment Age Payment Age Payment
Accumulation Accumulation Accumulation Accumulation
22 $5,500 $5,500 48 $0 $416,589 22 $0 $0 48 $5,500 $343,154
23 $5,500 $12,100 49 $0 $458,248 23 $0 $0 49 $5,500 $383,519
24 $5,500 $19,360 50 $0 $504,073 24 $0 $0 50 $5,500 $427,921
25 $5,500 $27,346 51 $0 $554,480 25 $0 $0 51 $5,500 $476,763
26 $5,500 $36,131 52 $0 $609,928 26 $0 $0 52 $5,500 $530,489
27 $5,500 $45,794 53 $0 $670,921 27 $0 $0 53 $5,500 $589,588
28 $5,500 $56,423 54 $0 $738,013 28 $0 $0 54 $5,500 $654,597
29 $5,500 $68,115 55 $0 $811,814 29 $5,500 $5,500 55 $5,500 $726,107
30 $0 $74,927 56 $0 $892,995 30 $5,500 $12,100 56 $5,500 $804,768
31 $0 $82,420 57 $0 $982,295 31 $5,500 $19,360 57 $5,500 $891,295
32 $0 $90,662 58 $0 $1,080,525 32 $5,500 $27,346 58 $5,500 $986,475
33 $0 $99,728 59 $0 $1,188,578 33 $5,500 $36,131 59 $5,500 $1,091,173
34 $0 $109,701 60 $0 $1,307,436 34 $5,500 $45,794 60 $5,500 $1,206,340
35 $0 $120,671 61 $0 $1,438,180 35 $5,500 $56,423 61 $5,500 $1,333,024
36 $0 $132,738 62 $0 $1,581,998 36 $5,500 $68,115 62 $5,500 $1,472,376
37 $0 $146,012 63 $0 $1,740,198 37 $5,500 $80,977 63 $5,500 $1,625,664
38 $0 $160,613 64 $0 $1,914,218 38 $5,500 $95,125 64 $5,500 $1,794,280
39 $0 $176,674 65 $0 $2,105,640 39 $5,500 $110,688 65 $5,500 $1,979,758
40 $0 $194,341 40 $5,500 $127,807
41 $0 $213,775 Total Contributions 41 $5,500 $146,638 Total Contributions
42 $0 $235,153 $44,000 42 $5,500 $167,352 $203,500
43 $0 $258,668 43 $5,500 $190,137
44 $0 $284,535
----------------------------------- 44 $5,500 $215,201
--------------------------------------
45 $0 $312,989 Total Accumulation: 45 $5,500 $242,771 Total Accumulation:
46 $0 $344,288 2,105,640 46 $5,500 $273,098 $1,979,758
47 $0 $378,717 47 $5,500 $306,458
This page is intended for education educational and informational uses and is not offered as or constitutes legal or investment advice. All figures are for illustrative purposes only, and do not reflect an actual investment of any product. Figures do not
reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance.
27 Cancel Debt, Increase Equity, Build Assets

28. True Cost – Our consequences
28

29. 29

30. 30

31. Features and Benefits of the Money Merge
Account Version 4
• Best Time to Buy
• True Cost
• Strategic Debt Elimination
• Aggressive scale
• Access from cell phone via text
• Pay bills
• Full, Semi, or optional Automation
• Access from any internet connected computer
• Works on Mac and PC
• Tracks Multiple Loans & Investment Properties
31

32. “We are losing our middle class, and a shrinking
middle class is a threat to the stability of America
and to the world democracy itself.” Donald Trump &
Robert Kiyosaki

33. Is your current plan working?
 “ Should you find yourself in
a chronically leaking boat,
energy devoted to changing
vessels is likely to be more
productive than energy
devoted to patching leaks.”
Warren Buffet
33

34. The Next Step is to Get your Free
Money Merge Account Software Analysis

35. Generic Analysis #1
 Mortgage - $197,500
 Credit Card 1 - $7500
 Car Loan - $40,000
 Credit Card 2 - $5000
 Furniture Loan - $2850
 To t a l D e b t s - $ 2 5 2 ,8 5 0
 Pay-off with the MMA = 9 . 9 ye a rs
 S a v e s $ 1 4 8 ,3 3 8 in in t e r e s t
 Only uses $200 per month discretionary income

36. Side by Side – Analysis #1
 Current Debt Structure  Money Merge Structure
 Principal Paid  Principal Paid
 Year 1 - $12,916  Year 1 - $21,019
 Year 2 - $26,770  Year 2 - $41,569
 Year 3 - $41,184  Year 3 - $63,514
 Year 4 - $55,613  Year 4 - $86,823
 Year 5 - $59,370  Year 5 - $111,570

37. Time Value of Money – Analysis #1
 Once paid off, amount of  Once paid off, amount of
money in the bank for money in the bank for
retirement at the end of retirement at the end of
the 30 year period of time: the 30 year period of time:
 Current Structure  Money Merge Structure
 0 (Zero)  $ 858,565 @ 3%
 $1,063,774 @ 5%

59. Generic Analysis #2 (U First Agent)
 Mortgage - $197,500
 Credit Card 1 - $7500
 Car Loan - $40,000
 Credit Card 2 - $5000
 Furniture Loan - $2850
 To t a l D e b t s - $ 2 5 2 ,8 5 0
 Pay-off with the MMA = 4 . 8 y e a r s
 S a v e s $ 1 9 0 , 7 9 6 in in t e r e s t
 Based on just 2-3 sales per month as a U First Agent
 Added $3000 per month to discretionary income

60. Side by Side – Analysis #2
 Current Debt Structure  Money Merge Structure
 Principal Paid  Principal Paid
 Year 1 - $12,916  Year 1 - $33,719
 Year 2 - $26,770  Year 2 - $78,265
 Year 3 - $41,184  Year 3 - $146,472
 Year 4 - $55,613  Year 4 - $212,816
 Year 5 - $59,370  Year 5 - $256,350

61. Time Value of Money – Analysis #2
 Once paid off, amount of  Once paid off, amount of
money in the bank for money in the bank for
retirement at the end of retirement at the end of
the 30 year period of time: the 30 year period of time:
 Current Structure  Money Merge Structure
 0 (Zero)  $2,475,426 @ 3%
 $3,276,383 @ 5%

62. United First Financial
In T h e la s t T w o Y e a r s W e
H a v e H e lp e d
O u r C lie n t s P a y D o w n
of A d d it io n a l
P r in c ip a l on their
Results as of June 26, 2008
Mortgages
62

63. Becoming a U First Agent
 United First Financial
 $175 one time fee
 Income potential:
 $450 to $1500 per sale
 Plus Marketing Bonus
 Agent Overrides
 Branch Manager Training
 Bonus Pools

64. Ready to Get Started?
 Simply get back to the U First Agent who referred
you to this presentation.
 Get your questions answered.
 Get your own FREE anaylsis.
 Get started saving $$$
 Get started making $$$
 Get started helping others!
 “ It is one of the most beautiful compensations in life…that no
man can sincerely try to help another without helping himself.”
Ralph Waldo Emerson

65. 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.