The document promotes the Money Merge Account, a web-based software and coaching program that helps families pay off debts like mortgages and student loans faster using the same monthly payments. It describes how mortgage professionals can benefit by offering this program to clients to save them interest, refer clients to the program, and earn commissions. Professionals are encouraged to contact an agent to learn how to become an agent and start earning additional income by recruiting other agents and receiving overrides from their sales.

1. Opportunity for Mortgage Professionals The Money Merge Account™ Presented by: Philip Hulme Tel: 816-984-1475 www.KwikDebtPayoff.com

2. A re you providing ongoing, professional advice to your clients after you’ve cashed your commission check? Mortgage Professionals …

7. We’re Nationally Recognized

20. United First Financial Founders FIRST

22. If you don’t show your clients the path to a debt-free life, someone else will …

31. Opportunity for Mortgage Professionals The Money Merge Account™ Please contact your Independent UFirst Agent with your questions and to learn how to get started as an agent. Philip Hulme 816-984-1475 www.KwikMortgagePayoff.com

32. 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.