BANKING STRATEGIESPRESENTATION

Providing Full Circle Financial Solutions

Social Security (insecurity)

Pensions

Debt

Personal Savings

College Funding

Retirement

Employment

Facing The Challenges of a Changing World

40

60

80

100

Wealthy WorkingSecure Passed Away Broke

20

1% will RETIRE VERY WEALTHY

1%

36%

4%5%

54%

Statistics Show Americans At Age 65

What can you do differently to ensure you won’t end up in the majority?

Even in Good Times These Issues Have Plagued America

Where does your money actually go?

Adapted from study done by North Dakota State University

Savings/Investments3%

Eliminating debt, minimizing taxes, and utilizing the right kind of insurance can potentially give you a 60-70% pay increase, and help you build a solid, tax-free retirement in the process!

Money Flowand Banking Strategies

$5k

$1m

$1.5m

$2m

25 yrs 45 yrs 65 yrs

Inc

om

e

Years/Age

Your Lifetime Earning Potential

$2,000,000 In Lifetime Money

Payments To Debt

Federal & State Taxes

Savings & Retirement(New Savings Potential)

Imagine Earning A 35% Raise?

You can by simply redirecting interest you already paid to the banks and financial institutions.

What Are You Really Earning?

4 PILLARSOf Financial Freedom

Banker’s Optimal System of Security

75% said becoming and staying debt free is the #1 key to building wealth.

The Forbes 400 were asked in a recent survey,

What is the most important key to building wealth?

Debt Elimination

Debt Elimination

Debt is the silent killer of your future hopes and dreams.

The key is to make your money work smarter with little impact to your standard of living.

In order to be successful, you need to adopt a strategy to use the banking systems to your advantage.

5,000 Years of Core Banking Strategies

Banks lend; they don’t invest

Banks transfer risk away from the bank

Banks turn liabilities into assets

1. Cash

2. Treasury Bills

3. Precious Metals

4. Whole Life Insurance (BOLI)

Tier One Assets (Core Reserves)

Do What The Banks Do

If You Can’t Beat Them - Join Them

What If YOU Could Be The Bank?

What chair would you sit in?

Saver

Borrower

Banker

Bank Owner

The Money Merge Account® Program:Is a revolutionary web-based software system that identifies the quickest route to zero debt for each users unique financial situation.

How does it do this? Strategic Debt Payoff Interest Cancellation Utilizes Stagnant Money Interest Float Optimizes the Use of Your Income Ongoing Coaching and Education Support

Debt Elimination

Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.

Conventional Banking vs. Money Merge Account® Program

Conventional Banking

RefinanceBi-Weekly PaymentsDebt ConsolidationDebt Rolldown ProgramAdditional Payments to Principal

Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.

Conventional Banking vs. Money Merge Account® Program

Money Merge Account® Program

No refinancing of existing loan necessary

Not a Bi-Weekly ProgramNot a Debt Consolidation LoanNot a Debt Rolldown ProgramLittle to no change in current lifestyle

Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.

YearPrincipal Paid

Interest Paid

Total Paid

1 $6,699.27 $14,199.45 $20,898.72 2 $13,903.30 $27,894.14 $41,797.44 3 $21,650.99 $41,045.17 $62,696.16 4 $29,984.35 $53,610.53 $83,594.88 5 $38,948.74 $65,544.88 $104,493.62 6 $42,282.13 $77,027.29 $119,309.42 7 $45,824.60 $88,300.62 $134,125.22 8 $49,589.88 $99,351.14 $148,941.02 9 $53,592.69 $110,164.13 $163,756.82

10 $57,848.88 $120,723.74 $178,572.62 11 $62,375.63 $131,012.79 $193,388.42 12 $67,191.49 $141,012.73 $208,204.22 13 $72,316.57 $150,703.45 $223,020.02 14 $77,772.75 $160,063.07 $237,835.82 15 $83,583.97 $169,067.65 $252,651.62 16 $89,776.35 $177,691.07 $267,467.42 17 $96,378.71 $185,904.51 $282,283.22 18 $103,422.79 $193,676.23 $297,099.02 19 $110,943.80 $200,971.02 $311,914.82 20 $118,992.34 $207,749.57 $326,741.91 21 $127,122.24 $214,008.87 $341,131.11 22 $135,753.57 $219,766.74 $355,520.31 23 $144,917.27 $224,992.24 $369,909.51 24 $154,646.17 $229,652.54 $384,298.71 25 $164,975.11 $233,712.80 $398,687.91 26 $175,941.13 $237,135.98 $413,077.11 27 $187,583.51 $239,882.80 $427,466.31 28 $199,943.97 $241,911.54 $441,855.51 29 $213,066.78 $243,177.93 $456,244.71 30 $227,000.00 $243,634.94 $470,634.94

YearPrincipal Paid

Interest Paid

Total Paid

1 $13,542.84 $13,947.87 $27,490.712 $28,176.18 $26,730.17 $54,906.35 3 $41,191.46 $38,381.22 $79,572.68 4 $57,950.28 $49,041.52 $106,991.80 5 $75,743.21 $58,668.16 $134,411.37 6 $94,633.57 $67,197.37 $161,830.94 7 $114,689.05 $74,561.46 $189,250.51 8 $135,981.54 $80,688.57 $216,670.11 9 $158,587.27 $85,502.41 $244,089.68

10 $182,587.29 $88,921.96 $271,509.25 11 $208,067.57 $90,861.25 $298,928.82 12 $227,000.00 $91,286.88 $318,286.88

Interest Saved $152,348.06Years to Payoff 11.7Time Savings 18.4

Current Debt Schedule Debt Acceleration Schedule

Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.

12 $67,191.49 $141,012.73 $208,204.22 12 $227,000.00 $91,286.88 $318,286.88

The Money Merge Account® Program helps you manage your cash flow with optimal efficiency.

How The Money Merge Account® Program Works For You

So you can maximize every available dollar to your advantage – instead of the banks!

Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.

Wealth Building

Rule #1: Never lose the principal value of your investment.

Rule #2: Never violate rule #1.

Rule #3: Guaranteed returns.

Our Strategy

No risk of loss to principal 1

Grows tax-deferred

Accessible with tax advantage benefits 2

Lawsuit proof 3

Judgment proof 3

Creditor proof 3

Banker’s Optimal System of Security

1. Return on principal may vary 2. Under certain policy provisions 3. These restrictions will vary from state to state, check with the current laws within your state . These strategies only pertain to a cash value life insurance policy. Check with your financial advisor for details.

Wealth Building

Becoming Your Own Bank

Traditional Banking

Finance $25,000 every 4 years,costing $29,222 in payments & interest!

Auto loan

Payments & Interest

Becoming Your Own Bank

Auto loan

Payments & Interest

Pay into policy

Finance $25,000 every 4 years,re-capturing $29,222 in payments & interest!

Our Strategy

Banking Concepts

Loss Option #1Lease 10 Vehicles

(-$252,500)

Option #2Finance

(-$202,222)

Option #3Cash

$40,000

Option #4BOSS

$787,738

Gain

Growth Over 40 Years

Loss Over 40 Years

Retirement Planning

Retirement income can now be predictable with UFirst Alliance and the BOSS program

Banks have thrived for centuries by feeding off the fruits of lending.

Your alternative to traditional investments, 401k, IRAs, stocks, bonds, real estates, etc.

Retirement Planning With BOSS

BENEFITS:It is not limited to the 59 ½ or the 70 ½ traditional restrictions for access like 401K’s or IRA’s to receive the benefits of tax-deferred growth. 1

Provides tax advantage supplemental retirement income. 1

Creates a tax-free estate death benefit.Living benefits include:

Loan provision Emergency fund Retirement income Personal financing needs Business capital

1. Under certain policy provisions and restrictions. Check policy loan provisions for more details. You may want to check with your tax advisor for information on qualified plans.

Personal Bank:Flexible Retirement Account

Legacy Planning

Those you love are the most cherished asset of all.

UFirst Alliance operates in timelines measured by generations, not just years.

Leave a legacy that will permanently impact your family for generations to come…

Full Circle Financial Solution

Your Money Flow

Banking Systems

Banking Strategies

Road To Financial Freedom

Get with your UFirst Alliance advisor for a free no obligation analysis!

Begin Your Road to Financial Freedom Today!