MONEY MERGE ACCOUNT

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MONEY MERGE ACCOUNT
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ASL - CHECKING - SAVINGS PRESENTATION

• Cancel Interest
• Shorten the Term of Debts
• No Line of Credit Required
• No Credit Check Required
• No Minimum Credit Score Required
• Evaluate True Cost of Decisions
• Know Actual ROI of Investments

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1997 Accelerated Equity Founded by Skyler Witman
and John Washenko in Draper, Utah One of Utahs
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.
2005 Money Merge Account Program 2005 - 2006
Denver Test Market 2006 United First
Financial In 24 monthsUFirst grew from ten
Agents to tens of thousands of Agents
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See What the Experts Are Saying
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Moving in the Right Direction
Don Jorgensen, Skyler Witman Jonathan E.
Bonnette, Matt Loveladyand John Washenko
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How Do Banks Work?

• Why does the largest building in every city have
  a banks name on it?
• Banks pay interest to earn interest.

Banks pay interest at lt3
Banks earn interest at gt6
Your checking, savings, CDs earn lt3
You pay your loans, credit cards, mortgages gt6
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Our System teaches you to make every dollar you
make either earn interest or cancel interest!
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John and Rebecca Jones238,700 in Debt at age 40
121,855 Total Interest Saved with the Money
Merge Account
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Four Required Components to Pay Off Your Debt in
Record Time

• Your Debt
• Advanced Line of Credit (ALOC)
• A Home Equity Line of Credit, Personal or
  Business Line of Credit, or even a credit card
  will work, as long as it has the correct
  characteristics required by the Money Merge
  Account program
• Checking and Savings Accounts
• Money Merge Account Program

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Money Merge Account Program

• NOT a Bi-Weekly Program
• NOT a Debt Rolldown Program
• NOT a Reverse Mortgage
• NOT Just Pay Some Extra
• NOT a Concept or Theory

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Four Key Money-SavingPrinciples

• 1. Interest Accumulation
• 2. Interest Float
• 3. Interest Cancellation
• 4. Strategic Payoff

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John and Rebecca Jones
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Month 1
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Month 1
5000
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Month 1
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Month 1
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Month 1
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Month 2
1. Interest Accumulation
5000
-199
12 _at_3
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Month 2
2. Interest Float
0
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Month 2
3,789
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Month 2 - Funds Transfer
195,812
3. Interest Cancellation
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Prepayment Savings Example

• 195,812 New principal loan balance
• 6 Interest rate
• 1,199 Monthly payment
• 340 Months (Not 358 Cancelled 18
  months)
• 231,677 Original interest paid
• -212,930 New interest paid
• 18,746 Total Savings

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Bank Like a Bank
CANCEL INTEREST
Computes the optimal time to leverage money to
pay off your debts and cancel interest.
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
its your turn to bank like a bank.
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How Would You Pay This Off?
120 Ways
200,000 6 Mortgage
20,000 5 Auto Loan
10,700 7 Installment Loan
8,000 9 Credit Card
4,800 12 Credit Card
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4. Strategic Payoff

• Looks at the characteristics of each debt
  including
• Amount owed
• Length of debt
• Interest rate
• Calculation of Payment
• Adjusting Rates

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Factorial Math
Fair Isaac reports the average consumer has 13
active creditors on their credit report.
Over 6 BILLION
www.myFICO.com
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John and Rebecca Jones
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Month 1
5000
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Month 1
30
Month 2
19,623
10,575
7,928
5000
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Month 2
3,789
199,601
19,246
10,450
7,856
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Strategic Payoff
199,601
3,989
15,257
10,450
7,856

4,800
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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
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The Money Merge Account ProgramIs Your
Financial GPS

• It guides you to
• Pay off debts
• Save for retirement
• Stay focused
• Track success

Financial GPS
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John and Rebecca Jones
121,855 Total Interest Saved with the Money
Merge Account
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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
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• 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.

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Make It Yours!