UFirst Business Overview

Derry White

Senior Associate

Recipe for Business Success

• Relevant Product

• Solid, Established Company

• Training and Development

• Sales Tools

• Lucrative Compensation

• Personal Fit

Relevant Product

• Total US Consumer Debt: 1967 = $102,198,500,000 2007 = $2,524,293,000,000• 156,000 families lost their homes in first quarter of 2008.• More than 40% of American families spend more than they earn. (Fed Reserve)• 1 in 60 US households filed bankruptcy in 2005. (Debt Trap Documentary)• The typical household has $38,000 in debt. (Consumer Reports Money Book)

• On average, today's consumer has a total of 13 credit obligations on record at

a credit bureau. Of these 13 credit obligations, nine are likely to be credit cards & four are likely to be installment loans. (myfico.com)

What gets in the way of our goals?

Poor Money ManagementPoor Financial Decisions

Lack of Discipline

Lack of Financial Education

Unstable Financial Markets

Lack of Financial Understanding

Lack of Means to Accomplish Goals

How Would You Pay This Off?

$21,5387%

Line of Credit Balance $4,309

6.125%Furniture

$27,75316%

Credit Card

$42,2962.75%Auto Loan

$226,1836.5%Mortgage

$7,7539.125%

Boat Loan

Math – Working For or Against Us?

On average, today's consumer has a total of 13 credit obligations

6.2 BILLIONways to payoff

Introducing the

Money Merge Account™Program

Money Management Solution

• Strategic Payoff Calculations to Maximize Money Performance• Customized Applications - Client Specific• Financial Education * Create Interest Advantage

* Leverage Money –Yours or OPM

* Utilize the Time Value of Money

* Real Time Goal Tracking

• Uses Conventional Banking Tools• Little to No Change in Standard of Living

11.917 $45,159.18

Mary

Comparison

Loan amount: $136,058

Balance in 1 year:

$136,058Starting balance

Conventional ProgramMoney Merge Account™

Program

11.917 years

$45,159

30 years

$134,726

$136,058

Balance in 4.7 years:

Repayment time

Total interest paid

Total interest savings: $89,566

$126,032 $126,193

Unlock Your Financial Future

Schedule your free analysis today to see how the Money Merge Account™ program can

change your life.

Solid, Established Company• 1997 Accelerated Equity & Development Founded by Skyler Witman and John Washenko in Draper, Utah, AE&D was one of Utah’s

fastest growing companies for three years running. In 2002, the founders hired a group of experts to create a program to help homeowners pay off mortgage debt more effectively with little to no change to their lifestyle.

• 2005 – 2006 Money Merge Account™ Program Denver Test Market. 98% Compliance, 17-33% ahead of initial projections.

• 2006 - 2008 United First Financial In 24 months… UFirst grew from ten Agents to thousands of Agents and tens of thousands of

clients, primarily through word of mouth.

• 2008 Version 4 Launched Focus shifted from just homeowners to anyone in debt. Market expanded to Canada.

See What the Experts Are Saying

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

and John Washenko

• Extensive Training Systems

* U1st University

* Webinars, VIP Events, Train-a-thons

* Advisors, Mentoring Programs

Training and Development

• Sales Tools

* Replicated Website

* Power Point Presentations

* DVDs and Videos

Lucrative Compensation• Production Based – Sales and Agency Development

• Four Income Streams

1. Personal Production

2. Team Overrides

3. Marketing Bonus

4. Bonus Pools

• Goal – Develop Successful Branch Managers

1. Commission Money Merge Account™ Pro - $3500

Agent Level Pro Pro Financing Monthly x 24

Retail Price $3,500 $2,000(down pmt.) $75 *(+24.95 mo.)

Total Payout $2,500 $1,400 $50

Branch Manager $1,500 $ 850 $32

Director $1,300 $ 750 $28

Division Manager $1,200 $ 700 $26

District Manager $1,100 $ 650 $24

Senior Associate $1,000 $ 600 $22

Associate $ 900 $ 550 $20

* Optimizer Package (Required for financing)

1. Commission Money Merge Account™ EXPRESS - $1795

Agent Level Express Financing Monthly x 12Retail Price $1795 $ 995 (down pmt) $75 *(+24.95 mo.)

Total Payout $1200 $ 660 $50

Branch Manager $750 $ 400 $32

Director $650 $ 350 $28

Division Manager $600 $ 325 $26

District Manager $550 $ 300 $24

Senior Associate $500 $ 275 $22

Associate $450 $ 250 $20

* Optimizer Package (Required for Express Package)

1. Commission Optimizer Package: $24.95/mo. Add-on

$24.95 / month – Add-on to Money Merge

Account™ System Customizable

Dashboard

Annual Optimizer Pkg. Monthly Optimizer Pkg.

(Retail) $239 $24.95

(Total Payout) $ 80 $10.00

Branch Manager

Director

Division Manager

District Manager

Senior Associate

Associate

$ 48

$ 42

$ 39

$ 36

$ 33

$ 30

$ 6.00

$ 5.50

$ 5.00

$ 4.50

$ 4.00

$ 3.50

Mandatory for Money Merge Account™ Express Users

Mandatory for clients that can’t get a Line of Credit

Optional for Version 3 Users

2. Branch Overrides

Level Pro Pro Monthly Express Express Monthly Annual Monthly

Financing X 24 Financing X 12 Optimizer Optimizer

1 $225 $110 $ 4.50 $105 $ 55 $ 4.50 $ 7.00 $ 1.00

2 $125 $ 65 $ 2.50 $ 50 $ 28 $ 2.50 $ 5.00 $ 0.50

3 $125 $ 65 $ 2.50 $ 50 $ 28 $ 2.50 $ 5.00 $ 0.50

4 $ 75 $ 40 $ 1.50 $ 30 $ 17 $ 1.50 $ 3.00 $ 0.30

5 $ 75 $ 40 $ 1.50 $ 30 $ 17 $ 1.50 $ 3.00 $ 0.30

6 $ 75 $ 40 $ 1.50 $ 30 $ 17 $ 1.50 $ 3.00 $ 0.30

3. Marketing Bonus

• $75 paid to Trainer when your Branch Manger Trainee makes a Money Merge Account™ Pro Sale

• $50 paid to Trainer when your Branch Manager Trainee makes an Money Merge Account™ EXPRESS sale

• Must qualify with 1 sale or 1 personal recruit in a rolling 90 day period

4. Bonus Pools

Pool Name Pro Pro Monthly Express Express Monthly Annual Monthly

Finance X 24 Finance X 12 Optimizer Optimizer

Personal Producer $60 $30 $1.00 $28 $28 $1.00 $1.50 $0.30

Branch Manager $65 $35 $1.25 $30 $14 $1.25 $1.75 $0.35

Sr. Branch Manager $40 $20 $0.75 $19 $10 $0.75 $1.25 $0.15

Executive Brach Mgr $30 $15 $0.50 $14 $ 6 $0.50 $0.75 $0.15

Sr. Exec. Branch Mgr $30 $15 $0.50 $14 $ 6 $0.50 $0.75 $0.15

Personal Fit – Is This For You?

1. Entrepreneurial• Sales Experience• Banking, Real Estate, Financial Planner, Accountant, Mortgage Planner

2. Accountable• Trainable – Adheres to Systems• Continual Student

3. Self Generating• Leader, Adds Energy• Effective Trainer and Mentor

4. Committed • Financially Responsible • Service Focus

Will You or Someone You Know Be Next?

In two years, we have helped our clients:

$153,027,564.00

in Principal Paid Down

What Are Your Goals?

Time With FamilyA Secure HomeEnjoying Life

Your Next Step…

• See for Yourself - Experience our Sales System * Put us to the test and see how the Money Merge Account™ Program could work for you.

• Due Diligence * Speak to our successful UFirst Agents, and Trainers and learn how they are building their businesses.

• How do you feel? * Excited by the possibilities…losing sleep? Allow us to introduce the Money Merge Account to the people you care about and see how excited they get!

Who do you know that wants to be financially free?

• 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.