How the Money Merge Account program works and what it will do for you.

9. 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

11. Albert Einstein “ Those who understand interest are destined to collect it. Those who don’t are doomed to pay it.” Money Merge Account

12. $200,000 Principal Balance 6% Interest Rate $1,199.10 Monthly Payment 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 $431,677

14. Prepayment Savings Example $195,000 New principal loan balance 6% Interest rate $ 1,199 Monthly payment 337 Months $231,677 Original interest paid $203,373 New interest paid $ 28,304 -$ 5,000 Additional principal payment $ 23,304 Total Savings

16. Your money should either be: Money Merge Account Checking Savings … not stagnating in a checking or savings account! earning interest paying off debt The “ ALOC ” helps you accomplish this!

20. $200,000 $40,000 Mortgage HELOC Checking Savings Credit Card Revolving debt 2 nd mortgage MMA Software

21. Interest Canceling Effect $200,000 For 30 Years @ 6% Interest Mortgage Mortgage Balance $20,000 Available in HELOC @ 8% Interest HELOC Available Balance Income Monthly Income $5,000 Monthly Income Cancels Over $23,000 in Interest! Cancels Interest on the amount of your Income! Plan tells you to pay $5,000 against your Principal Plan tells you to deposit your $5,000 of Income into the HELOC HELOC Balance Mortgage Balance

31. Loan amount: $200,000 Total interest savings: $161,219 $184,811 $184,752 Balance in 1 year: $197,543 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

33. 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

35. True Cost How much does that item really cost me over time……

40. 15% - 25% ahead of written guaranteed pay off date - because the proposal is a conservative projection - because of the Report Section (people budget more)

43. Now lets do a financial analysis using the Money Merge Account: Money Merge Account

44. Jane Doe… Home Value: 1st Mortgage: Interest Rate: Payment: 2nd Mortgage: Interest Rate: Payment: $250,000 $150,000 6.50% $1,000 $25,000 10.00% $215 Net Income: Auto Loan: Interest Rate: Payment: Credit Card: Interest Rate: Payment: $5,000 $25,000 5.50% $480 $5,000 9.9% $150 Money Merge Account

46. Side-by-Side Annual Amortization Comparison Normal Amortization Money Merge Account

47. 4% Annual Return: $1,179,281 1st Mortgage

48. Comparison Conventional: Money Merge Account: Years Balance 0 150,000 5 140,416 8 132,067 Years Balance 0 150,000 5 89,931 8 0 1st Mortgage 1st Mortgage 2nd Mortgage 2nd Mortgage Still owe $25,000 Balance: $0 (Zero) You save $248,394 in interest! And with NO alteration to your current standard of living! Money Merge Account

49. I don’t want to pay off my mortgage! Investors Money Merge Account Growth from $1,982 to $19,100 is 964% increase in 1 year! (Assuming a 30 year fully amortized mortgage at 6.50%) Without software: $1,982 paid down in 1st year. With the software: $19,100 in principal reduction!

50. So what’s the secret? MATH Its just mathematics…there is no secret! The Money Merge Account makes more money available to make larger payments towards outstanding debt (offsetting interest accumulation), calculates the timing and amount of those payments—all customized to your personal financial situation. Money Merge Account

52. Money Merge Account How long to save $3,500? Debt reduction obtained in 1st year: Minus debt reduction otherwise obtained: Net gain in debt reduction for 1st year: Divide by 12 mo for average savings: Net monthly gain in debt reduction: Divide cost ($3,500) by gain($1,426): Time to make back investment: 2.45 months . In other words…in this example, this person will save over $3,500 in under 3 months ! $19,100 -$1,982 $17,118 ÷ 12 $1,426 2.45 *Results may vary based upon individual financial situation. Use your financial analysis report to find your own “break even” point. A “monthly average” was used for this number. The true timeframe will be more of a curved savings timeframe than linear.

53. Once you have completed the financial analysis … You must get a HELOC from your lender of choice if you don’t already have one. And finally, to purchase the Money Merge Account program… Money Merge Account

54. Client Support will walk you through setting up your individual Money Merge Account . Client support is included for the owner for life, with no additional maintenance fees. Money Merge Account

55. “ Money is one form of power. But what is more powerful is financial education. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth.” -Robert Kiyosaki- Money Merge Account

56. Thank You! Money Merge Account