rental property equity management

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065

(p)866.307.3201 (f)801.516.1427

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Primary Analysis 8 December 2009

ABC Rentals123 Main St, Anytown, Iowa3656152985

Prepared by: Kent [email protected]

Projected Interest Savings Projected Payoff Payoff Date Time Savings$120,987.10 9.1 Years January 2019 17.6 Years

You are pre-qualified for the Money Merge Account program. Below is a summary of your projected savings.

This report illustrates the results that could be achieved by establishing a Money Merge Account® program. The accuracy of this report isconsistent with the information you have provided.

Existing Debts (to be paid off withMMA) Balance Payments

US Bank $30,991.50 $338.06US Bank $5,062.24 $338.00US Bank $35,937.00 $375.00US Bank $29,193.53 $342.74US Bank $76,145.22 $893.00US Bank $123,740.00 $2,000.00Bank iowa $110,317.00 $949.07Select Port Serv $52,704.84 $454.06Merchants $32,000.00 $283.17 Total Liabilities $496,091.33 $5,973.10

Current Liabilities

Employer/Source Interval Amount1101 Terrace Monthly $500.00302 8th Monthly $338.00501 9th St North Monthly $550.00500 Monthly $500.001303 19th St N Monthly $1,200.00102 Circle Dr Monthly $550.0012 N 3rd St Monthly $850.00609 4th Ave S Monthly $500.00911 8th Ave n Monthly $460.00411 4th St N Monthly $450.00112 11th St N Monthly $500.00 Total Income $6,398.00

Current Net Income

Total Net Monthly Income:

Total Monthly Fixed Expenses:

Current Monthly Discretionary:

Monthly Living Expenses:

$6,398.00

$5,973.10

$400.00

$24.90

Income Analysis


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Primary Analysis 8 December 2009



I agree that the figures presented herein are true and accurate to the best of my knowledge and any changes or inaccuracies on my part willalter the performance of my Money Merge Account program.

X X______________________ ______________________ ______________________Applicant Co-applicant Date


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Amortization Comparison 8 December 2009



Debt Amount:

Remaining Term:

Principal Payments:

Interest Payments:

Total Payments:

$496,091.33

320

$496,091.33

$319,923.24

$816,014.57

YearPrincipalPaid

InterestPaid

TotalPaid

1 $31,252.81 $40,424.39 $71,677.202 $62,446.36 $78,118.36 $140,564.723 $95,138.53 $113,047.39 $208,185.924 $130,841.54 $144,965.58 $275,807.125 $169,846.00 $173,582.32 $343,428.326 $212,471.83 $198,577.69 $411,049.527 $259,071.51 $219,599.21 $478,670.728 $302,314.33 $236,360.76 $538,675.099 $332,849.76 $250,376.05 $583,225.8110 $365,685.39 $262,090.24 $627,775.6311 $385,844.94 $271,820.64 $657,665.5812 $404,187.26 $280,242.28 $684,429.5413 $433,063.51 $286,878.95 $719,942.4614 $455,822.72 $291,400.35 $747,223.0715 $457,962.51 $295,115.48 $753,077.9916 $459,870.65 $298,656.06 $758,526.7117 $461,968.17 $302,007.26 $763,975.4318 $464,273.86 $305,150.29 $769,424.1519 $466,808.40 $308,064.47 $774,872.8720 $469,594.48 $310,727.11 $780,321.5921 $472,657.08 $313,113.23 $785,770.3122 $476,023.63 $315,195.40 $791,219.0323 $479,724.29 $316,943.46 $796,667.7524 $483,792.26 $318,324.21 $802,116.4725 $488,263.94 $319,301.25 $807,565.1926 $493,179.42 $319,834.49 $813,013.9127 $496,091.33 $319,923.24 $816,014.57

Current Debt Schedule

YearPrincipalPaid

InterestPaid

TotalPaid

1 $49,647.72 $37,243.64 $86,891.362 $89,892.24 $73,176.92 $163,069.163 $134,025.50 $105,221.46 $239,246.964 $182,517.35 $132,907.41 $315,424.765 $235,843.45 $155,759.11 $391,602.566 $294,123.81 $173,656.55 $467,780.367 $357,078.43 $186,879.73 $543,958.168 $424,803.13 $195,332.83 $620,135.969 $497,462.23 $198,851.53 $696,313.7610 $499,591.33 $198,936.14 $698,527.47

Debt Amount:

Projected Payoff:

Principal Payments:

Interest Payments:

Total Payments:

$499,591.33

109

$499,591.33

$198,936.14

$698,527.47

Money Merge Account

Payoff Months Paid Months Saved Years Paid Years Saved Interest Paid Interest SavedJanuary 2019 109 211 9.1 17.6 $198,936.14 $120,987.10

Saving Summary


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Potential Cash Accumulation & Goals 8 December 2009



Scenario 1

Starting Principal:

Sample Return Rate:

Number Of Months:

Monthly Contribution:

211-Month Balance:

$0.00

2.00 %

211

$6,373.10

$1,609,916.17

Scenario 2

Starting Principal:

Sample Return Rate:

Number Of Months:


211-Month Balance:

$0.00

4.00 %

211

$6,373.10

$1,946,563.85

Scenario 3

Starting Principal:

Sample Return Rate:

Number Of Months:


211-Month Balance:

$0.00

6.00 %

211

$6,373.10

$2,376,446.64

Potential Cash Accumulation

These figures illustrate the potential cash accumulation you may experience by paying your mortgage off in 9.1 years using your MoneyMerge Account. Then refocusing your discretionary income and fixed expenses for the time saved from your current schedule. The graphrefers to Potential Cash Accumulation scenario 1.


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Monthly Expenses 8 December 2009



Complete the worksheet to verify monthly living expenses. Indicate if the expense is paid by a credit card (CC).

Expenses Amount CC Expenses Amount CC Expenses Amount CC

Investments Groceries Private School Fees

Prescriptions Cell Phone 401K

Entertainment Water Consumer Credit

Student Loans Power Repair Funds

Medical Copays Gas Charitable Contributions

Life Insurance Gasoline Family Expenses

Child Support Cable Secondary Properties

Sewer/Trash Holiday Fund Home Owners

Car Insurance Vacations Taxes/Insurance

Dental Insurance Household Items Public School Fees

Home Phone Alimony

Maid Service Other

Total: Total: Total:

Total {Columns 1-3}: Should Equal (Monthly Living Expenses)

If the itemized expenses listed above do not equal the total monthly expenses on page 1, please update your Analysis. Having an accuratemonthly expense figure is essential to properly creating your Money Merge Account payoff and savings information.

Expense Worksheet


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Payment Options & Strategic Accounts 8 December 2009



Account Lender Name Balance % of Exp. Paid Cash Back RateHELOC US Bank $123,740.00 100 % 0 % 11.000 %Checking US Bank $1,529.75 0 % 0 % 0.000 %Checking US Bank $139.00 0 % 0 % 0.000 %Checking US Bank $514.45 0 % 0 % 0.000 %Checking 1001 Terrace $366.62 0 % 0 % 0.000 %Checking US Bank $120.99 0 % 0 % 0.000 %Checking US BAnk $1,758.00 0 % 0 % 0.000 %Checking US Bank $1,649.00 0 % 0 % 0.000 %Checking US Bank $397.00 0 % 0 % 0.000 %Checking Bank Iowa $103.81 0 % 0 % 0.000 %Checking US Bank $919.77 0 % 0 % 0.000 %Checking Merchants $2,598.17 0 % 0 % 0.000 %Checking US Bank $617.00 0 % 0 % 0.000 %

Required Accounts Current Info

*ALL Required Accounts are applied to the acceleration, payoff and wealth accumulation information; these accounts are required for theaccuracy of the information in this report.

Liability Balance Escrow PaymentMerged Accounts $0.00 $0.00 $0.00All Other Accounts $499,591.33 $0.00 $5,725.83

Monthly Savings:$0.00

Proposed Liability Structure

0 - month Finance One payment

Purchase Price: Purchase Price: $3,500.00

Monthly Financed(0 months): Total Cost: $3,500.00

Total Cost:

Include Multiple Properties($24.95 per month) The figures portrayed in this report were calculated using the selected payment options.

Money Merge Purchase Options

* The above information is for comparison purposes only. Results will vary depending on each individual's spending habits and futurefinancial circumstances. Individual qualification is required for the Money Merge Account. The Information contained herein does notconstitute an offer or a solicitation to lend or extend credit. United First Financial does not provide accounting, tax, legal, real estate,mortgage, or investment advice as a part of the Money Merge Account Program. This is a preliminary analysis only. The line items of thisreport were executed on the 1st of the month in the following sequence: income, mortgage, escrow and expenses.

By signing this financial analysis report, you are confirming the accuracy of the information listed above. The performance of your MoneyMerge Account program can be increased or decreased based on your mortgage interest rate, income, assets, and/or liabilities. You, thebuyer, may cancel this transaction, without penalty or obligation, at any time prior to midnight of the third business day after the date of thistransaction. (Five days for Alaska.)

X X______________________ ______________________ ______________________Applicant Co-applicant Date

rental property equity management

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