ALOC – Checking – SavingsPresentation

July 2008

2005 Money Merge Account™ Program2005 - 2006 Denver Test Market

2006 United First FinancialIn 24 months…UFirst grew from

ten Agents to thousands of Agents

1997 Accelerated EquityFounded 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.

See What the Experts Are Saying

Moving in the Right Direction

Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady

and John Washenko

• Why does the largest building in every city have a bank’s name on it?

• Banks pay interest to earn interest.

Banks pay interest at <3%

Your checking, savings, cd’sEarn <3%

Banks earn interest at >6%

Your loans, credit cards, mortgages pay >6%

How Do Banks Work?

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

Conventional Program

40 years old

30 years to zero

$247,764 in interest

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

$121,855 Total Interest Saved with the Money Merge Account

Money Merge Account TM

System

40 years old

15.3 years to zero

$125,878 in interest

• Your Debt

• Advance 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

Four Required Components to Pay Off Your Debt in Record Time

• NOT a Bi-Weekly Program

• NOT a Debt Rolldown Program

• NOT a Reverse Mortgage

• NOT a Concept or Theory

Money Merge Account™ Program

Four Key Money Saving Principles

1. Interest Accumulation

2. Interest Float

3. Interest Cancellation

4. Strategic Payoff

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

Month 1

Month 1

Month 1

Month 1

Month 1

+$12@3%

-$199

1. Interest Accumulation

Month 2

0%

2. Interest Float

Month 2

$3,789

Month 2

Funds Transfer

3. Interest Cancellation

$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

$18,746.21 Total Savings

Prepayment Savings Example

Bank Like a Bank

Sounds simple, but it is millions of lines of codes andmultiple 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.

Computes the optimal time to leverage money to pay off your debts and cancel interest.

How Would you Pay this off?

$10,7007%Installment Loan $4,800

12%Credit Card

$8,0009%Credit Card

$20,0007%Auto Loan

$200,0006%Mortgage

12624120

4. Strategic Payoff Looks at the characteristic’s of each debt including

• Amount owed

• Length of debt

• Interest rate

• Calculation of Payment

• Adjusting Rates

Factorial Math

Fair Isaac* reports the average consumer has 13 active creditors on their credit report.

Over 6 BILLION

* www.myFICO.com

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

Month 1

Month 1

Month 2

$3,789

Month 2

Strategic Payoff

$4,800$3,989 $4,800

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

Financial GPS

It guides you to:

• Pay off debts

• Save for retirement

• Stay Focused

• Track success

The Money Merge Account™ ProgramIs Your Financial GPS

Conventional Program Money Merge Account TM

System

$121,855 Total Interest Saved with the Money Merge Account

40 Years Old 40 Years Old

30 years to zero 15.3 years to zero

$247,764 in interest $125,878 in interest

John and Rebecca Jones

Achieving Your Financial GoalsBegins with Debt Elimination

Let the UFIRST representative who introduced you to our powerful solution run a free analysis for you

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.

Thank You