The document discusses a software program called the Money Merge Account (MMA) that helps homeowners pay off their mortgages much faster by leveraging the interest-canceling effects of a home equity line of credit (HELOC). It provides examples of families eliminating 30-year mortgages in 10-12 years while maintaining their standard of living. The MMA software analyzes users' financial situations and recommends monthly funds transfers and prepayments that reduce interest costs substantially.

2. Parent company is Accelerated Equity & Development in Draper, Utah Highly successful mortgage company for over 10 years Invested over $2,000,000 & 2 years developing the MMA software program Tested the MMA software program with 400 homeowners in the Denver, Colorado area Results: After 2 years 97.6% are actively using the MMA software, and are 15-25% ahead of their original projections

6. “ As an experienced mortgage originator and Founder/Publisher of Broker Banker Magazine, I’ve come across every imaginable product designed to help mortgage originators generate more business. Some have been great, most have not. I have never personally and/or publicly endorsed any product. However, I’m endorsing this one. It’s the Real Deal.” Brian Topor , Executive Publisher of Broker Banker Magazine

7. Pay Off Your Mortgage Early Is your house paid for? Mine paid off in 9.3 vs. 29yrs -No refinance of primary mortgage -Mortgage payment the same -Little or no change in household budget Do you qualify?

8. Do You Qualify? Do you want to see if you qualify to pay off your mortgage in ½ to 1/3 rd the time? Next 24 hours Required information Proposal in 48 hours

9. Closed-End Loan $200,000 Principal loan amount 6% Interest $ 1,199 Monthly payment x 360 Months (30 year loan) $431,677 Total repayment -$200,000 Principal loan amount $231,677 Total interest paid

11. Albert Einstein “ Those who understand interest are destined to collect it. Those who don’t are doomed to pay it.” Money Merge Account

12. $200,000 Principal Balance 6% Interest Rate $1,199.10 Monthly Payment Principal Interest Balance Equity Paid Month 1 Month 2 Year 1 Year 5 Year 10 Year 21 Year 30 $199.10 $1,000.00 $200.10 $999.00 $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

13. Amortized vs. Simple Interest $5,000 paid against the principal moves you 2.3 years ahead in the amortization schedule The eliminated payments are mostly INTEREST This is why paying 8% on a small amount ($5,000) can generate a net effective cost of money way less than the interest rate on your loan!!!! 2.3 years removed Amortization Schedule YR - 1 YR - 30 Interest Principal Interest

14. Prepayment Savings Example $195,000 New principal loan balance 6% Interest rate $ 1,199 Monthly payment 337 Months $231,677 Original interest paid $203,373 New interest paid $ 28,304 -$ 5,000 Additional principal payment $ 23,304 Total Savings

15. How can I pay my home off early? Conventional Banking Refinance to a lower interest rate Apply additional money to each payment Bi-weekly payment Money Merge Account system No refinancing necessary of your 1 st mortgage No alteration to your current standard of living

16. Your money should either be: Money Merge Account Checking Savings … not stagnating in a checking or savings account! earning interest paying off debt The “ ALOC ” helps you accomplish this!

17. What is an interest cancellation account? Have you ever charged a balance on your credit card? What was the interest rate on that credit card? What if you paid the balance in full at the end of the month? What would the effective interest rate be for that exact same card? You have just created an interest cancellation account!!!

18. That same principle applies… Can you pay your mortgage with a credit card? Of course not. We need an account that will work as much like a Checking Account as possible, but still cancel interest. A Home Equity Line of Credit (HELOC) would work! Unlimited check writing Unlimited debit card usage Access to YOUR money (and equity) 24/7 Open ended interest instead of front loaded interest (like on our mortgages). ***The HELOC MUST have: 1) An interest only payment option, 2) A variable interest rate, and 3) Must be “Open End”

19. Money Merge Account (MMA) HELOC Functionality Becomes your primary checking account Deposit all of your income into HELOC Pay all your bills from the HELOC Optimum Performance of HELOC Deposit the maximum amount of money into the Home Equity Line of Credit Keep it in there as long as possible

20. $200,000 $40,000 Mortgage HELOC Checking Savings Credit Card Revolving debt 2 nd mortgage MMA Software

21. Interest Canceling Effect $200,000 For 30 Years @ 6% Interest Mortgage Mortgage Balance $20,000 Available in HELOC @ 8% Interest HELOC Available Balance Income Monthly Income $5,000 Monthly Income Cancels Over $23,000 in Interest! Cancels Interest on the amount of your Income! Plan tells you to pay $5,000 against your Principal Plan tells you to deposit your $5,000 of Income into the HELOC HELOC Balance Mortgage Balance

22. Sample Family $5,000 Monthly income -$4,000 Living expense (mortgage, car payment) $1,000 Discretionary income

23. Month 1 $3,500 MMA investment $4,000 Expenses $7,500 $5,000 Income $2,500 Average Monthly balance Month 2 $4,000 Expenses $6,500 $5,000 Income $1,500 $20.83 $12.50

24. Month 3 $1,500 $4,000 Expenses $5,500 $5,000 Income $ 500 $3,675.77 Funds transfer $4,175.77 Average monthly balance $34.80 Interest Cancellation $17,249 Reduced mortgage by 18 months ` Principal Jump 3 month total $68.13 $220.48 $201.10 $ 19.38 Principal Interest Balance Remaining Payments Month 1 199.10 1,000.00 199,800.90 359 Month 2 200.10 999.00 199,600.80 358 Month 3 201.10 998.00 195,723.93 339 Month 4 220.48 978.62 195,503.45 338 Month 5

25. Month 4 $4,175.77 $4,000 Expenses $8,175.77 $5,000 Income $3,175.77 Average Monthly balance Month 5 $4,000 Expenses $7,175.77 $5,000 Income $2,175.77 $26.46 $18.13

26. Month 6 $2,175.77 $4,000 Expenses $6,175.77 $5,000 Income $1,175.77 $2,920.23 Funds transfer $4,096 Average monthly balance $34.13 Interest Cancellation $12,274 Reduced mortgage by 16 months ` Principal Jump 6 month total $146.85 $238.41 $222.69 $ 15.72 6 month total Interest Cancellation $29,523 6 month total Reduced mortgage by 31 months Principal Interest Balance Remaining Payments Month 4 220.48 978.62 195,503.45 338 Month 5 221.58 977.52 195,281.87 337 Month 6 222.69 976.41 192,138.94 323 Month 7 238.41 960.69 191,900.53 322 Month 8

27. Month 7 $4,096 $4,000 Expenses $8,096 $5,000 Income $3,096 Average Monthly balance Month 8 $4,000 Expenses $7,096 $5,000 Income $2,096 $25.80 $17.47

28. Month 9 $2,096 $4,000 Expenses $6,096 $5,000 Income $1,096 $2,917.68 Funds transfer $4,003.68 Average monthly balance $33.36 Interest Cancellation $11,155 Reduced mortgage by 14 months ` Principal Jump 9 month total $223.48 $256.59 $240.80 $ 15.79 9 month total Interest Cancellation $40,678 9 month total Reduced mortgage by 42 months Principal Interest Balance Remaining Payments Month 7 238.41 960.69 191,900.53 322 Month 8 239.60 959.50 191,660.93 321 Month 9 240.80 958.30 188,502.45 309 Month 10 256.59 942.51 188,245.86 308 Month 11

29. Month 10 $4,003.68 $4,000 Expenses $8,003.68 $5,000 Income $3,003.68 Average Monthly balance Month 11 $4,000 Expenses $7,003.68 $5,000 Income $2,003.68 $25.03 $16.70

30. Month 12 $2,003.68 $4,000 Expenses $6,003.68 $5,000 Income $1,003.68 $2,917.67 Funds transfer $3,921.35 Average monthly balance $32.68 Interest Cancellation $ 10,184 Reduced mortgage by 14 months ` Principal Jump 12 month total $297.89 $275.04 $199.10 $ 75.94 12 month total Interest Cancellation $50,862 12 month total Reduced mortgage by 53 months Principal Interest Balance Remaining Payments Month 10 256.59 942.51 188,245.86 308 Month 11 257.87 941.23 187,987.99 307 Month 12 259.16 939.94 184.811.16 295 Month 13 275.04 924.06 184,536.12 294 Month 14

31. Loan amount: $200,000 Total interest savings: $161,219 $184,811 $184,752 Balance in 1 year: $197,543 MMA Program Conventional Program Starting balance $200,000 Balance in 1 year: 10.4 years $70,422 30 years $231,677 $200,000 Balance in 5.5 years: Repayment time Total interest paid

32. Money works 24 hours a day 7 days a week 365 days a year It doesn’t take vacations It doesn’t call in sick It just works and works and works! Do you have your money working for you? ~ or ~ Do you have your money working for the bank?

33. Funds Transfers How much… - If you transfer too much, interest charges will eat you up - If you transfer too little, not enough principal increase - Dollar amounts are different every time How often… - Frequency varies every time

34. Utilities Food Clothing Transportation Entertainment

35. True Cost How much does that item really cost me over time……

38. Money Merge Account (MMA) Web site Does NOT move money Does NOT pay bills Functions as an account register Wants to know how much money is coming in Wants to know how much money is going out Tracks your monthly budget 10 minutes per month to update Continuous customer support

39. Create A Retirement Nest Egg Your home is PAID OFF in 10.4 years For the remainder of the 19.6 year mortgage $1,199.10 per month $1,000.00 discretionary income 4% 5% 6% $793,851 $887,795 $994,540 10.4 19.6 30.0 years

40. 15% - 25% ahead of written guaranteed pay off date - because the proposal is a conservative projection - because of the Report Section (people budget more)

41. Financial Optometry Report Option 1 Option 2 Years to pay off mortgage 10.4 30 Interest paid $70,422 $231,677 Interest saved $161,219 $0 Retirement account $1,000,000 $0 Pay off at age 50 yrs old 70 yrs old Move forward with MMA, or keep doing what you’re doing?

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

43. Now lets do a financial analysis using the Money Merge Account: Money Merge Account

44. Jane Doe… Home Value: 1st Mortgage: Interest Rate: Payment: 2nd Mortgage: Interest Rate: Payment: $250,000 $150,000 6.50% $1,000 $25,000 10.00% $215 Net Income: Auto Loan: Interest Rate: Payment: Credit Card: Interest Rate: Payment: $5,000 $25,000 5.50% $480 $5,000 9.9% $150 Money Merge Account

46. Side-by-Side Annual Amortization Comparison Normal Amortization Money Merge Account

47. 4% Annual Return: $1,179,281 1st Mortgage

48. Comparison Conventional: Money Merge Account: Years Balance 0 150,000 5 140,416 8 132,067 Years Balance 0 150,000 5 89,931 8 0 1st Mortgage 1st Mortgage 2nd Mortgage 2nd Mortgage Still owe $25,000 Balance: $0 (Zero) You save $248,394 in interest! And with NO alteration to your current standard of living! Money Merge Account

49. I don’t want to pay off my mortgage! Investors Money Merge Account Growth from $1,982 to $19,100 is 964% increase in 1 year! (Assuming a 30 year fully amortized mortgage at 6.50%) Without software: $1,982 paid down in 1st year. With the software: $19,100 in principal reduction!

50. So what’s the secret? MATH Its just mathematics…there is no secret! The Money Merge Account makes more money available to make larger payments towards outstanding debt (offsetting interest accumulation), calculates the timing and amount of those payments—all customized to your personal financial situation. Money Merge Account

51. The Money Merge Account includes: Individual Web-based Access Lifetime Technical Support Transfers to Other Mortgages/Properties Analyzes “True Cost” Scenarios Dynamic “Financial Dashboard” Online Account Manager Personally Owned for Life Helps Pay Off All Debts (all debts consolidated into ALOC) Accelerates Equity for Investors Provides a Roadmap to Financial Freedom $3,500 Money Merge Account

52. Money Merge Account How long to save $3,500? Debt reduction obtained in 1st year: Minus debt reduction otherwise obtained: Net gain in debt reduction for 1st year: Divide by 12 mo for average savings: Net monthly gain in debt reduction: Divide cost ($3,500) by gain($1,426): Time to make back investment: 2.45 months . In other words…in this example, this person will save over $3,500 in under 3 months ! $19,100 -$1,982 $17,118 ÷ 12 $1,426 2.45 *Results may vary based upon individual financial situation. Use your financial analysis report to find your own “break even” point. A “monthly average” was used for this number. The true timeframe will be more of a curved savings timeframe than linear.

53. Once you have completed the financial analysis … You must get a HELOC from your lender of choice if you don’t already have one. And finally, to purchase the Money Merge Account program… Money Merge Account

54. Client Support will walk you through setting up your individual Money Merge Account . Client support is included for the owner for life, with no additional maintenance fees. Money Merge Account

55. “ Money is one form of power. But what is more powerful is financial education. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth.” -Robert Kiyosaki- Money Merge Account

56. Thank You! Money Merge Account