Opportunity for Real Estate Professionals Opportunity for Real Estate Professionals

The Money Merge Account™The Money Merge Account™

Presented by:Presented by: Philip Hulme Philip HulmeTel: 816-606-6934Tel: 816-606-6934

www.KwikDebtPayoff.comwww.KwikDebtPayoff.com

Are you providing ongoing, valuableadvice to your clients after you’vecashed your commission check?

Real Estate Agents …

The Money Merge Account will benefit you and your clients and provide an

additional income stream while creating a

referral brush fire.

If you’re hungry for business, love to help your clients and have an open mind …

Welcome to the Money Merge Account …

Realtor Briefing Agenda

The Company - United First Financial

Product Overview - The Money Merge Account

Today’s Perfect Market Timing

The Process – MMA Analysis

Professional Tool - Real Estate Agent For Life

The Money Merge AccountThe Money Merge Account™™

Consider this question …

If there were a web-based software program that:

• Coached you how to pay less interest

• Paid off whatever you owe sooner

• Uses only the same money you are currently spending

• Required no change to your monthly budget

• Could save you tens of thousands of dollars in interest

Would you invest 40 minutes to see if you qualify and learn what this could mean for YOUR family?

The Money Merge AccountThe Money Merge Account™ S™ System from United First Financialystem from United First Financial

Frustrated by paying a fortune in interest?Frustrated by paying a fortune in interest?

Mortgages

Furniture Loans

Student Loans

Credit Cards

Car Loans

Do you own your home? Or does the bank?

You will pay $421,000on a $200,000, 30-year

mortgage at 6%.

Move or refinanceevery 5 years and the

number is significantly higher.

The Money Merge Account software program The Money Merge Account software program is complex in design but simple to use. It is not…is complex in design but simple to use. It is not…

• Refinancing and consolidating debt• Bi-weekly mortgage program• Debt roll-down program• Simply sending extra money every month• Debt consolidation that ruins your credit• Dave Ramsey’s “rice & beans” approach

… and we don’t touch your money

• Interest Accumulation

• Interest Float

• Interest Cancellation

• Strategic Payoff

Program CharacteristicsProgram Characteristics

To which of these six To which of these six liabilities would you liabilities would you apply your next dollar?apply your next dollar?

$21,5387%

Credit Card $4,3096.125%

Furniture

$27,7536%

Trailer Loan

$42,2966.75%Auto Loan

$200,0006%

Mortgage

thetheBANKBANK

$5,00018%

Credit Card

MMA optimizesStrategic Payoff

The Money Merge Account™ is a web-based software program & personal

financial management coaching system that shows families how to

pay off what ever they owe; mortgages, car loans, student loans,

credit cards; in less time; using the same money they are

currently spending.

We offer free Money Merge Account™ analyses, forecasting a target debt-free date for an individual or family.

My average analysis projects $100,000 in interest savings and

12+ years cut from debt amortization schedules.

UFirst supports the MMA with a 100% limited money-back guarantee.

Examples of recent clientExamples of recent client MMA analyses: MMA analyses:

Total Debt Original

Years until Payoff

Years to Payoff with

Money

Merge

Account

Interest Saved

Payments Saved

$ 104,092 29.3 yrs 8.0 yrs $ 45,726 160 months

$ 225,000 27.5 yrs 9.4 yrs $ 155,827 217 months

$ 298,547 25.8 yrs 10.6 yrs $ 130,744 182 months

• No Credit Score Requirements

• Checking Account, Savings Account and a Credit Card

Qualifying

Costs• MMA Pro $ 3,500 / MMA Express $ 1,795

• Financed by U1st - $250 down/$95 a month.

• Net cost to most clients is $0.00 per month.

• 100% Money Back Guarantee

“In some sense there has never been a better climate for this

type of product because of the current

real estate market.”

Jennifer HadleyFinancial Consultant

San Francisco California

“Smart mortgage companies are now training all of their loan

officers to use the Money Merge Account™ system as a tool to

destroy their competition when competing for a client’s

business.”

Broker Banker Magazine

"The Money Merge AccountTM is the best prospecting tool I've ever

seen ... after 5 months our insurance and annuity business is

up 45%and we were already a leading

player in our industry."

Ron PetrinovichFounder

Freedom Equity Group

“This program works great, whether your goal is to pay off

your mortgage and be debt free or your investment philosophy is centered around strategic equity

leveraging.”

Mike Lahris Manager

Kemper Mortgage

Dr. Goldreich proved that 80% of mortgage loans with balances of $80,000 would benefit from a mortgage acceleration payment strategy.

Dr. David GoldreichLondon Business School Professor of Finance: University of Toronto Fellow - Centre for Economic Policy Research (London)

My Clients and Realtors keep asking:

‘Why hasn’t anyone told me about this before?’

This program has createda referral brush fire for me.

Scott SchafferMortgage BrokerFolsom California

If you don’t show your clients the path to a mortgage-free

life, someone else will …

• Anyone with Mortgage, Credit Card Debt, Student Loans, Car Loans…

• Investment Property Owners

• Small Business Owners with Debt

• Upside Down Home Owners

• Renters Who Want to Buy a Home

Target Audience

What’s

In

It

For

Me

??

Our Favourite Radio Station … W.I.I.FM

•Become Debt-Free Personally

•Help Your Clients

•Gain New Clients

•Earn Additional Income

•Foster Referral Relationships

Reputation • Distinguish yourself from the plethora of other real

estate agents • Sincerely earn that reputation as your clients’

“Realtor for Life”• Create serious loyalty when you are the one that

shows them a path to a debt-free life  • Free up more money for investment property or for

their next home... who do you think is top of mind?• Establish professional credibility with renters. The

MMA Express helps them reduce debt and build equity for a down-payment

Referrals from your contacts • Existing home owner clients benefiting from the

MMA will ‘sing your praises’ to friends, family & other referral sources

• Establish relationship with referred renters, who may be immediate prospects for MMA Express

• Your Sphere of Influence: you are now head & shoulders above the crowd of other Realtors

• Reward referrals with legal ‘spiffs’ or convert them into “referring agents" with split-commissions

Referrals to Strategic Partners• Help other real estate, mortgage and financial

professionals increase their business using the MMA

• You put more money in their pocket and create massive amounts of referrals. They may also become part of your UFirst team, generating overrides and passive income!

• Great co-marketing tool for Builders,Mortgage Brokers & FSBOs:

“Purchase this home and become mortgage free in a fraction of the time!”

Revenue • Increase your core business – a Listing

Presentation “trump card”

• Value added expertise as Buyer’s Agent

• Earn $1,000 to $1,500 direct commission selling MMA to existing clients, anyone with debt – even competitors! 3 sales qualifies for monthly bonus pool

• Insurance agency style branch payout with overrides (team recruiting is optional)

Delivering the Message

Send Out Cards Campaign

Simple Sales System

Send Out Cards Campaign

Simple Sales System

Resources • Agent license & certification fee $175

• Personalized agent website, sales collateral DVD’s, brochures etc.

• Comprehensive product & sales training via back-office videos, national webcasts, team meetings, regional & national conferences

• Local mentoring, support , training and hosting of MMA briefings.

Now ask yourself this question:

If you could pay off what ever you owe; mortgages, car loans, student

loans, credit cards; in less time; using the same money you are

currently spending;

wouldn’t you be interested in finding out how to do that?

Request Your Personal Money Merge Account Analysis:

Is it worth 40 minutesof your time to potentially

save $100,000?

Next Action Steps

Schedule an appointment for you (and your spouse) with Philip Hulme [816-606-6934] for your own MMA analysis

Watch the recorded webinars from the link in Philip’s email regarding the MMA system and the UFF Compensation Plan.

Register as an independent UFF agent

Select 10 families to whom we’ll send the initial wave of referral letters, using Send Out Cards

Opportunity for Real Estate Professionals Opportunity for Real Estate Professionals

The Money Merge Account™The Money Merge Account™

Please contact your Independent UFirst Agent with your

questions and to learn how to get started as an agent.

Philip HulmePhilip Hulme

816-606-6934816-606-6934

www.KwikMortgagePayoff.com

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.