The document outlines United First Financial's Money Merge Account program, which helps consumers consolidate and pay off debt more quickly through strategic payoff calculations. It describes how the program works, compensation for agents, and qualifications for those interested in becoming agents. United First Financial has helped over $153 million in principal be paid down for clients through this debt management program.

1. UFirst Business Overview Derry White Senior Associate

4. What gets in the way of our goals? Poor Money Management Poor Financial Decisions Lack of Discipline Lack of Financial Education Unstable Financial Markets Lack of Financial Understanding Lack of Means to Accomplish Goals

5. How Would You Pay This Off? $21,538 7% Line of Credit Balance $4,309 6.125% Furniture $27,753 16% Credit Card $42,296 2.75% Auto Loan $226,183 6.5% Mortgage $7,753 9.125% Boat Loan

6. Math – Working For or Against Us? On average, today's consumer has a total of 13 credit obligations 6.2 BILLION ways to payoff

7. Introducing the Money Merge Account™Program

9. 11.917 $45,159.18 Mary

10. Comparison Loan amount: $136,058 Balance in 1 year: $136,058 Starting balance Conventional Program Money Merge Account ™ Program $126,032 $126,193 11.917 years $45,159 30 years $134,726 $136,058 Balance in 4.7 years : Repayment time Total interest paid Total interest savings: $89,566

13. See What the Experts Are Saying

14. Don Jorgensen, Skyler Witman Jonathan E. Bonnette, Matt Lovelady and John Washenko

18. 1. Commission Money Merge Account™ Pro - $3500 Agent Level Pro Pro Financing Monthly x 24 Retail Price $3,500 $2,000(down pmt.) $75 *(+24.95 mo. ) Total Payout $2,500 $1,400 $50 Branch Manager $1,500 $ 850 $32 Director $1,300 $ 750 $28 Division Manager $1,200 $ 700 $26 District Manager $1,100 $ 650 $24 Senior Associate $1,000 $ 600 $22 Associate $ 900 $ 550 $20 * Optimizer Package (Required for financing)

19. 1. Commission Money Merge Account™ EXPRESS - $1795 Agent Level Express Financing Monthly x 12 Retail Price $1795 $ 995 (down pmt) $75 *(+24.95 mo. ) Total Payout $1200 $ 660 $50 Branch Manager $750 $ 400 $32 Director $650 $ 350 $28 Division Manager $600 $ 325 $26 District Manager $550 $ 300 $24 Senior Associate $500 $ 275 $22 Associate $450 $ 250 $20 * Optimizer Package (Required for Express Package)

20. 1. Commission Optimizer Package: $24.95/mo. Add-on $24.95 / month – Add-on to Money Merge Account™ System Customizable Dashboard Annual Optimizer Pkg. Monthly Optimizer Pkg. (Retail) $239 $24.95 (Total Payout) $ 80 $10.00 Branch Manager Director Division Manager District Manager Senior Associate Associate $ 48 $ 42 $ 39 $ 36 $ 33 $ 30 $ 6.00 $ 5.50 $ 5.00 $ 4.50 $ 4.00 $ 3.50 Mandatory for Money Merge Account™ Express Users Mandatory for clients that can’t get a Line of Credit Optional for Version 3 Users

21. 2. Branch Overrides Level Pro Pro Monthly Express Express Monthly Annual Monthly Financing X 24 Financing X 12 Optimizer Optimizer 1 $225 $110 $ 4.50 $105 $ 55 $ 4.50 $ 7.00 $ 1.00 2 $125 $ 65 $ 2.50 $ 50 $ 28 $ 2.50 $ 5.00 $ 0.50 3 $125 $ 65 $ 2.50 $ 50 $ 28 $ 2.50 $ 5.00 $ 0.50 4 $ 75 $ 40 $ 1.50 $ 30 $ 17 $ 1.50 $ 3.00 $ 0.30 5 $ 75 $ 40 $ 1.50 $ 30 $ 17 $ 1.50 $ 3.00 $ 0.30 6 $ 75 $ 40 $ 1.50 $ 30 $ 17 $ 1.50 $ 3.00 $ 0.30

23. 4. Bonus Pools Pool Name Pro Pro Monthly Express Express Monthly Annual Monthly Finance X 24 Finance X 12 Optimizer Optimizer Personal Producer $60 $30 $1.00 $28 $28 $1.00 $1.50 $0.30 Branch Manager $65 $35 $1.25 $30 $14 $1.25 $1.75 $0.35 Sr. Branch Manager $40 $20 $0.75 $19 $10 $0.75 $1.25 $0.15 Executive Brach Mgr $30 $15 $0.50 $14 $ 6 $0.50 $0.75 $0.15 Sr. Exec. Branch Mgr $30 $15 $0.50 $14 $ 6 $0.50 $0.75 $0.15