Payoff Your Mortgage Early

• Parent company is Accelerated Equity & Development in Draper, Utah

• Highly successful mortgage company for over 10 years

• Invested over $2,000,000 & 2 years developing the MMA software program

• Tested the MMA software program with 400 homeowners in the Denver, Colorado area

• Results: After 2 years 97.6% are actively using the MMA software, and are 20-25% ahead of their original projections

Australians pay $100,000 - $150,000 less in interest on their mortgages

than do we Americans.

Asher Institute FindingsHistorical Overview• Banks financed 20% of home / 5-7 year

balloon • 15 year Term introduced• 30-year term was designed specifically

for people who couldn’t qualify for a 15-year term

• 30-year punished them severally due to way loan amortizes

• Lenders and consumers focus on Low Fixed Rates and Low Fixed Payments

Comparison

Investment Possibilities

Three Components of an MMA

1. Your 1st Mortgage

2. Advanced Line of Credit (ALOC)

3. MMA Software & Web Site

Component #1

1. Your 1st Mortgage

Closed-End Loan:The bank will ONLY apply monies once a month to this type of loan and will only apply a full payment to adjust principal balance

Component #1 -Your 1st Mortgage

Closed-End Loan

$200,000 Principal loan amount

6% Interest

$ 1,199 Monthly payment

x 360 Months (30 year loan)

$431,677 Total repayment

-$200,000 Principal loan amount

$231,677 Total interest paid

Principal Interest Balance Equity Paid

Month 1

Month 2

Year 1

Year 5

Year 10

Year 21

Year 30

$199.10 $1,000.00

$200.10 $999.00

$210.33 $988.77 $197,543 $2,457 $14,389

$267.22 $931.88 $186,108 $13,891 $71,946

$360.44 $838.66 $167,371 $32,628 $143,891

$696.23 $502.89 $99,877 $100,123 $302,173

$200,000 Principal Balance6% Interest Rate

$1,199.10 Monthly Payment

$431,677

Prepayment Savings Example

$195,000 New principal loan balance

6% Interest rate

$ 1,199 Monthly payment

337 Months (23 Months Saved)

$231,677 Original interest paid

$203,373 New interest paid

$ 28,304

-$ 5,000 Additional principal payment

$ 23,304 Total Savings

How can I pay my home off early?

Conventional Banking• Refinance to a lower interest rate• Apply additional money to each payment• Bi-weekly payment

Money Merge Account system• No refinancing necessary of your 1st mortgage• No alteration to your current standard of living

Component #2

2. Advanced Line of Credit (ALOC)

Open-End LoanThe Bank will apply money to this type of loan when received and adjust principal balance multiple times per month.

Component #2 -ALOC

If you have any kind of debt, you should NOT have your money stagnating in a checking or savings account!

Checking

Savings

Create an

Interest Cancellation Account

= “Spending Account” Money goes in and out, but little or no interest is earned.

= “Safety Net” – Money is moved here in case we run into hard times. We usually earn 1 – 2% interest on this account.

What is an interest cancellation account?

• Have you ever charged a balance on your credit card?– What was the interest rate on that credit card?

• What if you paid the balance in full at the end of the month?– What would the effective interest rate be for that

exact same card?

You have just created an interest cancellation account!!!

Think Bigger…

• Can you pay your mortgage with a credit card?– Of course not.

• We need an account that will work as much like a Checking Account as possible, but still cancel interest.– A Home Equity Line of Credit (HELOC) would work!

• Unlimited check writing• Unlimited debit card usage• Access to YOUR money (and equity) 24/7• Open ended interest instead of Front loaded

interest (like on our mortgages).

***The HELOC MUST have: 1) An interest only payment option, 2) A variable interest rate, and 3) Must be “open ended”.

Money Merge Account (MMA)

HELOC Functionality• Becomes your primary checking account• Deposit all of your income into HELOC• Pay all your bills from the HELOC

Optimum Performance of HELOC• Deposit the maximum amount of money into

the Home Equity Line of Credit• Keep it in there as long as possible

$200,000

$40,000

Mo

rtg

age

HELOC

Checking

Savings

Credit Card

Revolving debt

2nd mortgage

MMA Software

$195,000

$5,000 Funds Transfer

Mo

rtg

age

$5,000

HELOC

Funds Transfer: Borrow money from your HELOC to pay down your 1st mortgage.

$195,000

Mo

rtg

age

$ 0

ALOC

- $5,000 Funds Transfer

+ $5,000 Pay Check

$ 0

Sample Family

$5,000 Monthly income-$4,000 Living expense (mortgage, car payment)

$1,000 Discretionary income

Month 1 $3,500 MMA investment

$4,000 Expenses

$7,500

$5,000 Income

$2,500 Average Monthly balance

Month 2 $4,000 Expenses

$6,500

$5,000 Income

$1,500

$20.83

$12.50

Month 3 $1,500

$4,000 Expenses

$5,500

$5,000 Income

$ 500

$3,675.77 Funds transfer

$4,175.77 Average monthly balance$34.80

Interest Cancellation

$17,249

Reduced mortgage by18 months

Principal Interest Balance

Remaining

Payments

Month 1 199.10 1,000.00 199,800.90 359

Month 2 200.10 999.00 199,600.80 358

Month 3 201.10 998.00 195,723.93 339

Month 4 220.48 978.62 195,503.45 338

Month 5

`̀Principal Jump

3 month total

$68.13

$220.48

$201.10

$ 19.38

Month 4 $4,175.77

$4,000 Expenses

$8,175.77

$5,000 Income

$3,175.77 Average Monthly balance

Month 5 $4,000 Expenses

$7,175.77

$5,000 Income

$2,175.77

$26.46

$18.13

Month 6 $2,175.77

$4,000 Expenses

$6,175.77

$5,000 Income

$1,175.77

$2,920.23 Funds transfer

$4,096 Average monthly balance$34.13

Interest Cancellation

$12,274

Reduced mortgage by

16 months

Principal Interest Balance

Remaining

Payments

Month 4 220.48 978.62 195,503.45 338

Month 5 221.58 977.52 195,281.87 337

Month 6 222.69 976.41 192,138.94 323

Month 7 238.41 960.69 191,900.53 322

Month 8

`̀Principal Jump

6 month total

$146.85

$238.41

$222.69

$ 15.72

6 month total

Interest Cancellation

$29,523

6 month total

Reduced mortgage by

31 months

Month 7 $4,096

$4,000 Expenses

$8,096

$5,000 Income

$3,096 Average Monthly balance

Month 8 $4,000 Expenses

$7,096

$5,000 Income

$2,096

$25.80

$17.47

Month 9 $2,096

$4,000 Expenses

$6,096

$5,000 Income

$1,096

$2,917.68 Funds transfer

$4,003.68 Average monthly balance$33.36

Interest Cancellation

$11,155

Reduced mortgage by

14 months

Principal Interest Balance

Remaining

Payments

Month 7 238.41 960.69 191,900.53 322

Month 8 239.60 959.50 191,660.93 321

Month 9 240.80 958.30 188,502.45 309

Month 10 256.59 942.51 188,245.86 308

Month 11

`̀Principal Jump

9 month total

$223.48

$256.59

$240.80

$ 15.79

9 month total

Interest Cancellation

$40,678

9 month total

Reduced mortgage by

42 months

Month 10 $4,003.68

$4,000 Expenses

$8,003.68

$5,000 Income

$3,003.68 Average Monthly balance

Month 11 $4,000 Expenses

$7,003.68

$5,000 Income

$2,003.68

$25.03

$16.70

Month 12 $2,003.68

$4,000 Expenses

$6,003.68

$5,000 Income

$1,003.68

$2,917.67 Funds transfer

$3,921.35 Average monthly balance$32.68

Interest Cancellation

$ 10,184

Reduced mortgage by

14 months

Principal Interest Balance

Remaining

Payments

Month 10 256.59 942.51 188,245.86 308

Month 11 257.87 941.23 187,987.99 307

Month 12 259.16 939.94 184.811.16 295

Month 13 275.04 924.06 184,536.12 294

Month 14

`̀Principal Jump

12 month total

$297.89

$275.04

$199.10

$ 75.94

12 month total

Interest Cancellation

$50,862

12 month total

Reduced mortgage by

53 months

Loan amount: $200,000

MMA Program Conventional Program

Starting balance $200,000

Balance in 1 year:

10.4 years

$70,422

30 years

$231,677

$200,000

Balance in 5.5 years:

Repayment time

Total interest paid

Total interest savings: $167,219

$184,811 $184,752Balance in 1 year:

$197,543

Money works • 24 hours a day• 7 days a week • 365 days a year• It doesn’t take vacations• It doesn’t call in sick• It just works and works and works!

Do you have your money working for you?

~ or ~

Do you have your money working for the bank?

Component #3

3. MMA software and website Financial dashboard Financial planning Online account register Maximizes money performance 10 minutes per month to update

Component #3

-MMA Software

The MMA Website Does NOT move money Does NOT pay bills Is user friendly software Is simple to update Is a tracking tool Functions as an account register

• Wants to know how much money is coming in• Wants to know how much money is going out

Tracks your monthly budget Includes continuous customer support

Component #3 -MMA Software

•Utilities•Food•Clothing•Transportation•Entertainment

Funds Transfers How much… - If you transfer too much,

interest charges will eat you up - If you transfer too little,

not enough principal increase - Dollar amounts are different every time How often… - Frequency varies every time

True Cost

How much does that item really cost me over time……

Create A Retirement Nest Egg

• Your home is PAID OFF in 10.4 years• For the remainder of the 19.6 year mortgage• $1,199.10 per month• $1,000.00 discretionary income

6% 8% 10%

$973,000 $1,231,000 $1,575,000

10.419.630.0 years

15% - 25% ahead of written guaranteed pay off date - because the proposal is a conservative projection - because of the Report Section (people budget more)

Financial Optometry Report Option 1 Option 2

Years to pay off mortgage 10.4 30

Effective interest rate 2.085% 6%

Interest paid $70,422 $231,677

Interest saved $167,219 $0

Retirement account $1,000,000 $0

Pay off at age 50 yrs old 70 yrs old

Move forward with MMA, or keep doing what you’re doing?

For the values you entered:Principal= $410666

Interest Rate= 5.75% Amortization Period= 30 years

Starting month= Jun Starting year= 2006

Monthly Pre-payment= $0

Annual Pre-payment= $ 0.00 For Calendar Year 2018 (Year 13, 18 left)

Jan: Principal: $ 833.26   Interest: $ 1563.27   Balance: $ 325414.75 Feb: Principal: $ 837.26   Interest: $ 1559.28   Balance: $ 324577.49 Mar: Principal: $ 841.27   Interest: $ 1555.27   Balance: $ 323736.22

Apr: Principal: $ 845.30   Interest: $ 1551.24   Balance: $ 322890.92 May: Principal: $ 849.35   Interest: $ 1547.19   Balance: $ 322041.57 Jun: Principal: $ 853.42   Interest: $ 1543.12   Balance: $ 321188.15 Jul: Principal: $ 857.51   Interest: $ 1539.03   Balance: $ 320330.64 Aug: Principal: $ 861.62   Interest: $ 1534.92   Balance: $ 319469.03 Sep: Principal: $ 865.75   Interest: $ 1530.79   Balance: $ 318603.28 Oct: Principal: $ 869.89   Interest: $ 1526.64   Balance: $ 317733.39 Nov: Principal: $ 874.06   Interest: $ 1522.47   Balance: $ 316859.32 Dec: Principal: $ 878.25   Interest: $ 1518.28   Balance: $ 315981.07

FOR 2018: Interest= $ 18491.49   Principal= $ 10266.94   Balance= $ 315981.07

The MMA software analysis showed I will be paid off by

April 2018

Still owe $322,890.92

George VeronisMortgage Amortization

DVD CHAPTER 4

Testimonials

Ask for you free

analysis today!

NEXT STEPS

Run your numbers and potentially Save

Thousands of Dollars!

Thank You

BUSINESS OPPORTUNITY

MMA Software

U1stFinancial Agent Training

Corporate Training• U1st University• Live Webinars• Regional and City VIP Trainings• 9-5(MST) Toll Free Agent Support

Team Training• Daily Access to trainers• Webinars, net meeting, team training website• Local events and trainings

Independent Agent

Commission Plan

Agent Sign-up

• $175 – one-time fee paid directly to Corporate via secure online website

• Includes a welcome package with letter sized bi-fold, DVD’s, info

• Replicated website• Analysis Software Access• Course Study Material and Certification Test

Compensation Breakdown

Of the $3,500.00 fee

$1,575.00 is paid out in commission

$700.00 is paid out for Management Levels

$225.00 additional is paid out in bonus pools__________$2,500.00 total pay out

Commission Plan

New agents start at

$450 on each of 2 Training Sales$900 per sale once Trained

Branch mgr.

Director

Division mgr.

District mgr.

Sr. Associate

Associate$900

Commission Plan

Once an agent does:

5 Sales

They promote themselves to a Sr. Associate

(2 must be Personal)

$1,012 per sale

Branch mgr.

Director

Division mgr.

District mgr.

Sr. Associate$1,012

Associate $900

Commission Plan

Once an agent does:

11 cumulative sales

They promote themselves to a District mgr.(4 cumulative personal sales)

$1,125 per sale

Branch mgr.

Director

Division mgr.

District mgr.$1,125

Sr. Associate$1,012

Associate $900

Commission Plan

Once an agent does:

18 cumulative group sales

They promote themselves to a Division mgr.(7 cumulative personal sales)

$1,237 per sale

Branch mgr.

Director

Division mgr.$1,237

District mgr.$1,125

Sr. Associate$1,012

Associate $900

Commission Plan

Once an agent does:

26 cumulative group sales

They promote themselves to a Director mgr.(10 cumulative personal sales)

$1,350 per sale

Branch mgr.

Director $1,350

Division mgr.$1,237

District mgr.$1,125

Sr. Associate$1,012

Associate $900

Commission Plan

Once an agent does:

35 cumulative group sales

They promote themselves to a Branch mgr.(13 cumulative personal sales)

$1,575 per sale

Branch mgr.$1,575

Director $1,350

Division mgr.$1,237

District mgr.$1,125

Sr. Associate$1,012

Associate $900

Fast Track Program

1 Training Sale in 45 days promotes you to Sr. Associate

Or

2 Training Sales in 60 days promotes you to Sr. Associate

10 Personal and 25 cumulative sales in a rolling 90 day window promotes you to Branch Manager

Override Commission

Mary is a Sr. Associate at $1,012,she sponsors Robert who is an Associate at $900Robert makes a training sale with Mary.Robert earns $450(training sale 50%)Mary earns $450(training sale 50%) + $112($1,012-$900)Mary’s trainer is a Division Mgr. and earns $225 ($1,237-$1,012)Branch mgr. earns $338 ($1,575-$1,237)

Branch mgr.$1,575

Director $1,350Division mgr.

$1,237District mgr.

$1,125Sr. Associate

$1,012Associate $900

Management Levels

Level I Branch Manager $225

Level II Branch Manager $125

Level III Branch Manager $125

Level IV Branch Manager $75

Level V Branch Manager $75

Level VI Branch Manager $75

Bonus Pools

Personal Bonus Pool

Branch Mgr. Pool

Sr. Branch Mgr. Pool

Executive Bonus Pool

Sr. Executive Bonus Pool

3 sales per month $60

15 sales in your Branch $65

20 sales, 2 level I Branch mgrs. $40

35 sales, 4 Level I Branch mgrs.$30

75 sales, 6 Level I Branch mgrs.1-6 $30

Must re-qualify each month

Explanation on Elimination of Credit Line

Summary of How Our Program Works

First Step

Move $5,000 from Credit Line to Mortgage

Mortgage $195,000

Credit Line $ 5,000

Credit Line

$10K

$5K

$0

Mortgage $200,000Credit Line $ 60,000

Savings

Savings of $23,000 of Interest on Mortgage

Month 1Income $5000Expenses $4000Discretionary income

$1000

Mortgage $195,000

Credit Line $ 5,000

Credit Line

$10K

$5K

$0Credit Line Credit Line

$ 9K

$10K

$10K

$ 4K

$0 $0

Month 2Income $5000Expenses $4000Discretionary income

$1000

Mortgage $195,000

Credit Line $ 5,000

Credit Line

$10K

$0Credit Line Credit Line

$ 8K

$10K

$10K

$ 4K

$0 $0

$ 3K

Month 3Income $5000Expenses $4000Discretionary income

$1000

Mortgage $195,000

Credit Line $ 5,000

Credit Line

$10K

$3K

$0Credit Line Credit Line

$ 7K

$10K

$10K

$ 2K$0 $0

Month 4Income $5000Expenses $4000Discretionary income

$1000

Mortgage $195,000

Credit Line $ 5,000

Credit Line

$10K

$ 2K$0

Credit Line Credit Line

$ 6K

$10K

$10K

$ 1K$0 $0

Month 5Income $5000Expenses $4000Discretionary income

$1000

Mortgage $195,000

Credit Line $ 5,000

Credit Line

$10K

$1K$0

Credit Line Credit Line

$ 5K

$10K

$10K

$0 $0