800-557-6821 This powerpoint shows how cashflow works when United First Financial 's Money Merge Account helps you pay off debts using credit card(s), savings and checking accounts as a virtual line of credit.

2. ALOC – Checking – Savings Presentation July 2008

3. 2005 Money Merge Account ™ Program 2005 - 2006 Denver Test Market 2006 United First Financial In 24 months…UFirst grew from ten Agents to thousands of Agents 1997 Accelerated Equity Founded by Skyler Witman and John Washenko in Draper, Utah One of Utah’s fastest growing companies for 3 years. In 2002, hired a group of experts to create a program to help homeowners pay off mortgage debt more effectively with little to no change in lifestyle.

4. See What the Experts Are Saying

5. Moving in the Right Direction Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady and John Washenko

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

8. John and Rebecca Jones $238,700 in Debt at age 40 $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

12. John and Rebecca Jones Liability Structure Debt Amount Rate Payment Term Mortgage $200,000 6% $1199.10 360 Credit Card $0 12% $0.00 240 Income Structure Income Expense Discretionary $5,000 $4,800 $200

13. Month 1

14. Month 1

15. Month 1

16. Month 1

17. Month 1

18. +$12 @3% -$199 1. Interest Accumulation Month 2

19. 0% 2. Interest Float Month 2

20. $3,789 Month 2

21. Funds Transfer 3. Interest Cancellation

23. Bank Like a Bank Sounds simple, but it is millions of lines of codes and multiple math algorithms hard at work. Ever since banks opened their doors, they have relied on math and timing to make money work. 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.

24. How Would you Pay this off? $10,700 7% Installment Loan $4,800 12% Credit Card $8,000 9% Credit Card $20,000 7% Auto Loan $200,000 6% Mortgage 1 2 6 24 120

26. Factorial Math Fair Isaac* reports the average consumer has 13 active creditors on their credit report. Over 6 BILLION * www.myFICO.com

27. 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 12% $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

28. Month 1

29. Month 1

30. Month 2

31. $3,789 Month 2

32. Strategic Payoff $4,800 $3,989 $4,800

33. Making the Right Decision If you choose to override the system, it will immediately tell you what the impact of your emotional decision will be

35. $121,855 Total Interest Saved with the Money Merge Account John and 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

36. Achieving Your Financial Goals Begins with Debt Elimination Let the UFIRST representative who introduced you to our powerful solution run a free analysis for you

38. Thank You