Mortgage Professionals - how to profit. Use the Money Merge Account to increase revenue, generate referrals and improve client satisfaction!

1. Mortgage Professionals Today’s Topic – “The Great American Home OWNERSHIP Drive” Chuck Price, Jr 719-238-1393 [email_address]

2. Industry Credibility

3. Industry Credibility “ There are dozens of reasons we chose to spotlight UFirst in the issue of True Wealth, but one above all stands out to me: this company truly makes a difference in people’s lives. The Money Merge Account system is a meticulously researched, math-based program that teaches you how to use money in ways you never thought possible to quickly reduce the largest debt you’ll ever incur. It’s preventing people from losing everything they own, ensuring that families will always have a roof over their heads no matter what else happens, and enabling people to build a business that grows by helping others brighten their financial outlook.” - Brian Bianca, Editor

4. Industry Credibility “ Mortgage payment acceleration is a very viable strategy that should be understood by anyone who desires to build and secure personal assets, including homeownership. The feedback and insight that comes out of the direct customer support process has allowed constant improvement and added features to the Money Merge Account program and customer experience. The Money Merge Account system simplifies a complex world so homeowners can manage their financial condition better. This aid to improved homeowner comprehension and control of their financial condition is a seismic shift for the mortgage industry and can deliver savings and wealth to clients. This we applaud.” - Andrew Waite, Publisher

5. Industry Credibility “ When two mortgage companies are offering the same mortgage, at the same rate, the company that’s able to offer a plan to pay off the mortgage in 1/3 to ½ the time, has the unfair advantage.” “ I’m finding after introducing the Money Merge Account to a new client, that I have all the crucial information needed to evaluate their current financing situation, giving me the ability to refinance at least 20% of their first mortgages, resulting in even greater savings.” - Brooke Barnett, Mortgage Broker San Diego, CA “ Any mortgage broker who does not show their clients how to accelerate their mortgage payoff through this program is crazy. My clients keep asking me ‘why hasn’t anyone told me about this before?’ This program has created a referral brush fire for me.” -Scott Schaffer, Mortgage Broker Folsom, CA “ 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 Toper, Publisher Broker/Banker Magazine

6. Industry Credibility “ The Money Merge Account program gives your practice a wider scope, providing you with more business from both past and present customers . Letting your clients experience this financial breakthrough will encourage them to recommend the program, and your services, to their friends and family. By pairing the Money Merge Account program with your best loan offers or other financial services, you will provide your clients with educational benefits, interest savings, and a level of trust that your competitors won’t be able to match. - Concluding paragraph, p.41 of Fall 2008 Mortgage Planner Magazine

7. Entrepreneurs of the Year! SKYLER WITMAN, JOHN WASHENKO JONATHAN E. BONNETTE & MATT LOVELADY Bluffdale , Utah – July 3, 2008 “ Ernst & Young is pleased to honor outstanding business leaders such as United First Financial” said David Jolley, Managing Partner and Ernst & Young Entrepreneur of the Year Program Director for Utah. “Winners of the Entrepreneur of the Year award build leading businesses and contribute a great deal to the communities around them.” The co-founders will travel to Palm Springs, CA to compete for the Ernst & Young 2008 national program. The awards are the culminating event of the Ernst & Young Strategic Growth Forum, the nation’s most prestigious gathering of high-growth, market-leading companies.

8. 2009 STARTING STRONG “ What’s more educational than giving homeowners a glimpse into their financial futures – an estimated month and year when they could possibly pay off their mortgage and own their home free and clear. The UFirst Money Merge Account system is a full package of technical software, financial education and toll-free telephone support that calculates some of the best ways to use income and your financial accounts to pay down your mortgage and other consumer debt in the least time possible.” - Deborah K. Heisz, Editor in Chief “ In the next two years, United First Financial’s Money Merge Account program will become widely accepted. Right now, it’s going through the birthing phase. The company is experiencing accelerated growth, so I believe there will be more of that. And it’s decided that this rocket ship has a destination. The destination is helping everyone become debt free, if that’s what they want.” - Mark Victor Hansen, Chicken Soup for the Soul Co-Founder and Co-Author

21. 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.