• Parent company is Accelerated Equity & Development in Draper, Utah

• Highly successful mortgage company for over 10 years

• Invested over $2,000,000 & 2 years developing the MMA software program

• Tested the MMA software program with 400 homeowners in the Denver, Colorado area

• Results: After 2 years 97.6% are actively using the MMA software, and are 15-25% ahead of their original projections

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

Albert Einstein

“Those who understand interest are destined to collect it. Those who don’t are doomed to pay it.”

Money Merge Account

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

$200,000 Principal Balance6% Interest Rate

$1,199.10 Monthly Payment

$431,677

Amortized vs. Simple Interest

• $5,000 paid against the principal moves you 2.3 years ahead in the amortization schedule

• The eliminated payments are mostly INTEREST

• This is why paying 8% on a small amount ($5,000) can generate a net effective cost of money way less than the interest rate on your loan!!!!

InterestInterest

PrincipalPrincipal

2.3 years removed2.3 years removed

Am

ortization A

mortization

Schedule

Schedule

YR - 1YR - 1

YR - 30YR - 30

InterestInterest

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

How can I pay my home off early?

Conventional Banking• Refinance to a lower interest rate• Apply additional money to each payment• Bi-weekly payment

Money Merge Account system• No refinancing necessary of your 1st mortgage• No alteration to your current standard of living

Your money should either be:

Money Merge Account

Checking Savings

…not stagnatingstagnating in a checking or savings account!

earning interest

paying off debt

The “ALOCALOC” helps you accomplish this!

What is an interest cancellation account?

• Have you ever charged a balance on your credit card?– What was the interest rate on that credit card?

• What if you paid the balance in full at the end of the month?– What would the effective interest rate be for that

exact same card?

You have just created an interest cancellation account!!!

That same principle applies…

• Can you pay your mortgage with a credit card?– Of course not.

• We need an account that will work as much like a Checking Account as possible, but still cancel interest.– A Home Equity Line of Credit (HELOC) would work!

• Unlimited check writing• Unlimited debit card usage• Access to YOUR money (and equity) 24/7• Open ended interest instead of front loaded

interest (like on our mortgages).

***The HELOC MUST have: 1) An interest only payment option, 2) A variable interest rate, and 3) Must be “Open End”

Money Merge Account (MMA)

HELOC Functionality• Becomes your primary checking account• Deposit all of your income into HELOC• Pay all your bills from the HELOC

Optimum Performance of HELOC• Deposit the maximum amount of money into

the Home Equity Line of Credit• Keep it in there as long as possible

$200,000

$40,000

Mo

rtg

age

HELOC

Checking

Savings

Credit Card

Revolving debt

2nd mortgage

MMA Software

Interest Canceling Effect

$200,000For 30 Years

@ 6% Interest

Mortgage

$20,000 Availablein HELOC

@ 8% Interest

HELOC Income

$5,000 MonthlyIncome

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

Sample Family

$5,000 Monthly income-$4,000 Living expense (mortgage, car payment)

$1,000 Discretionary income

Month 1 $3,500 MMA investment

$4,000 Expenses

$7,500

$5,000 Income

$2,500 Average Monthly balance

Month 2 $4,000 Expenses

$6,500

$5,000 Income

$1,500

$20.83

$12.50

Month 3 $1,500

$4,000 Expenses

$5,500

$5,000 Income

$ 500

$3,675.77 Funds transfer

$4,175.77 Average monthly balance$34.80

Interest Cancellation

$17,249

Reduced mortgage by18 months

Principal Interest Balance

Remaining

Payments

Month 1 199.10 1,000.00 199,800.90 359

Month 2 200.10 999.00 199,600.80 358

Month 3 201.10 998.00 195,723.93 339

Month 4 220.48 978.62 195,503.45 338

Month 5

`̀Principal Jump

3 month total

$68.13

$220.48

$201.10

$ 19.38

Month 10 $4,003.68

$4,000 Expenses

$8,003.68

$5,000 Income

$3,003.68 Average Monthly balance

Month 11 $4,000 Expenses

$7,003.68

$5,000 Income

$2,003.68

$25.03

$16.70

Month 12 $2,003.68

$4,000 Expenses

$6,003.68

$5,000 Income

$1,003.68

$2,917.67 Funds transfer

$3,921.35 Average monthly balance$32.68

Interest Cancellation

$ 10,184

Reduced mortgage by

14 months

Principal Interest Balance

Remaining

Payments

Month 10 256.59 942.51 188,245.86 308

Month 11 257.87 941.23 187,987.99 307

Month 12 259.16 939.94 184.811.16 295

Month 13 275.04 924.06 184,536.12 294

Month 14

`̀Principal Jump

12 month total

$297.89

$275.04

$199.10

$ 75.94

12 month total

Interest Cancellation

$50,862

12 month total

Reduced mortgage by

53 months

Loan amount: $200,000

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

Total interest savings: $161,219

$184,811 $184,752Balance in 1 year:

$197,543

Money works • 24 hours a day• 7 days a week • 365 days a year• It doesn’t take vacations• It doesn’t call in sick• It just works and works and works!

Do you have your money working for you?

~ or ~

Do you have your money working for the bank?

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

•Utilities•Food•Clothing•Transportation•Entertainment

True Cost

How much does that item really cost me over time……

Money Merge Account (MMA)

Web site• Does NOT move money• Does NOT pay bills• Functions as an account register

– Wants to know how much money is coming in

– Wants to know how much money is going out

• Tracks your monthly budget• 10 minutes per month to update• Continuous customer support

Create A Retirement Nest Egg

• Your home is PAID OFF in 10.4 years• For the remainder of the 19.6 year mortgage• $1,199.10 per month• $1,000.00 discretionary income

4% 5% 6%

$793,851 $887,795 $994,540

10.419.630.0 years

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

Financial Optometry Report Option 1 Option 2

Years to pay off mortgage 10.4 30

Interest paid $70,422 $231,677

Interest saved $161,219 $0

Retirement account $1,000,000 $0

Pay off at age 50 yrs old 70 yrs old

Move forward with MMA, or keep doing what you’re doing?

The Next Step is to Get your Free

Money Merge Account Software Analysis

So what’s the secret?

MATHMATHIts 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

Thank You!

Money Merge Account