Mortgage ProfessionalsToday’s Topic – “The Great American Home

OWNERSHIP Drive”

Maggie Collin 310-951-5923

YouPayitFast.blogspot.com

Industry Credibility

“There are dozens of reasons we chose to spotlight UFirst in the issue of True Wealth, but one above all stands out to me: this company truly makes a difference in people’s lives. The Money Merge Account system is a meticulously researched, math-based program that teaches you how to use money in ways you never thought possible to quickly reduce the largest debt you’ll ever incur. It’s preventing people from losing everything they own, ensuring that families will always have a roof over their heads no matter what else happens, and enabling people to build a business that grows by helping others brighten their financial outlook.”

- Brian Bianca, Editor

Industry Credibility

“Mortgage payment acceleration is a very viable strategy that should be understood by anyone who desires to build and secure personal assets, including homeownership.

The feedback and insight that comes out of the direct customer support process has allowed constant improvement and added features to the Money Merge Account program and customer experience.

The Money Merge Account system simplifies a complex world so homeowners can manage their financial condition better. This aid to improved homeowner comprehension and control of their financial condition is a seismic shift for the mortgage industry and can deliver savings and wealth to clients. This we applaud.”

- Andrew Waite, Publisher

Industry Credibility

“When two mortgage companies are offering the same mortgage, at the same rate, the company that’s able to offer a plan to pay off the mortgage in 1/3 to ½ the time, has the unfair advantage.”

“I’m finding after introducing the Money Merge Account to a new client, that I have all the crucial information needed to evaluate their current financing situation, giving me the ability to refinance at least 20% of their first mortgages, resulting in even greater savings.”

- Brooke Barnett, Mortgage Broker San Diego, CA

“Any mortgage broker who does not show their clients how to accelerate their mortgage payoff through this program is crazy. My clients keep asking me ‘why hasn’t anyone told me about this before?’ This program has created a referral brush fire for me.”

-Scott Schaffer, Mortgage Broker Folsom, CA

“As an experienced mortgage originator and Founder/Publisher of Broker Banker Magazine, I’ve come across every imaginable product designed to help mortgage originators generate more business. Some have been great, most have not. I have never personally and/or publicly endorsed any product. However, I’m endorsing this one. It’s the Real Deal.”

-Brian Toper, Publisher Broker/Banker Magazine

Industry Credibility

“The Money Merge Account program gives your practice a wider scope, providing you with more business from both past and present customers. Letting your clients experience this financial breakthrough will encourage them to recommend the program, and your services, to their friends and family. By pairing the Money Merge Account program with your best loan offers or other financial services, you will provide your clients with educational benefits, interest savings, and a level of trust that your competitors won’t be able to match.

- Concluding paragraph, p.41 of Fall 2008 Mortgage Planner Magazine

Entrepreneurs of the Year!

SKYLER WITMAN, JOHN WASHENKO JONATHAN E. BONNETTE & MATT

LOVELADY

Bluffdale, Utah – July 3, 2008

“Ernst & Young is pleased to honor outstanding business leaders such as United First Financial” said David Jolley, Managing Partner and Ernst & Young Entrepreneur of the Year Program Director for Utah. “Winners of the Entrepreneur of the Year award build leading businesses and contribute a great deal to the communities around them.”

The co-founders will travel to Palm Springs, CA to compete for the Ernst & Young 2008 national program. The awards are the culminating event of the Ernst & Young Strategic Growth Forum, the nation’s most prestigious gathering of high-growth, market-leading companies.

2009 STARTING STRONG

“What’s more educational than giving homeowners a glimpse into their financial futures – an estimated month and year when they could possibly pay off their mortgage and own their home free and clear. The UFirst Money Merge Account system is a full package of technical software, financial education and toll-free telephone support that calculates some of the best ways to use income and your financial accounts to pay down your mortgage and other consumer debt in the least time possible.” - Deborah K. Heisz, Editor in Chief

“In the next two years, United First Financial’s Money Merge Account program will become widely accepted. Right now, it’s going through the birthing phase. The company is experiencing accelerated growth, so I believe there will be more of that. And it’s decided that this rocket ship has a destination. The destination is helping everyone become debt free, if that’s what they want.”

- Mark Victor Hansen, Chicken Soup for the Soul Co-Founder and Co-Author

In two years, Money Merge AccountTM clients have paid down

$153,027,564.00

in mortgage and consumer debt principal, with little or no change to their budget or

lifestyle.

Become Mortgage and Debt Free

• Increase loan volume and profitability

• Create additional profit center (commission and passive income)

• Increase referrals from clients and referral partners

• Recruit top loan officers

• Incredible competitive advantage

• Business and personal intangibles

Improve Your Core Business

Market Existing Clients – Increased volume and profitability

• Existing relationship and trust level

• Easiest and least expensive to contact (phone or mail)

• Help them build equity fast, increase credit scores, eliminate debt and create wealth

• Some clients may benefit by refinancing or restructuring their first mortgage, thereby freeing additional discretionary income to further reduce their payoff time

• Some won’t qualify for a mortgage but will benefit from UFirst and the Money Merge Account system

Purchase Transactions• Create debt free home “Owners” v debt

ridden home “Buyers”

• Combo purchases

• FHA

• First time buyers – build equity regardless of market conditions

Explode Your Referrals

• Clients for mortgages

• Clients for Money Merge Accounts

• Strategic partners

Strategic Partners• Help virtually every real estate and financial

professional increase their business

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

• GREAT marketing tool for Realtors and builders – “Purchase our homes and become mortgage free in a fraction of the time!”

Recruit Top Loan Officers• Your doors will stay open when other’s are

closing!

• Increased referrals!

• Increased profitability per loan!

• Ancillary income!

• Create override and passive income!

• Even if they leave, they’ll always be part of your UFirst team!

YOUR Competitive Advantage!

• No more rate shopping!

• Become your clients’ most valuable financial resource

• Develop clients for LIFE!

• Control and enjoy your business!

The UFirst Intangibles

• Network of “Like Minded” financial professionals with common goal

• Business and compensation model = EVERYONE profits by sharing information and helping each other

• International reach – US, Canada and ???

• Financial and economic crusade – “We are buying back our countries, one family at a time” – Mac Saunders, National Sales Director

• Get back with the person who invited you to learn more!

• payitearly@yahoo.com• Video recordings of previous webinars –

www.viddler.com . Search under “Mike Smela mortgage professionals”

• www.usauff.com : Additional learning opportunities and webinars. “Road to Success” – PowerPoint and supporting documents available – Documents Section – Mike Smela

• www.mybizpack.com/lesstax : The ultimate business marketing and tax savings program

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.