FASTEST WAY TO ZERO
                                                              
Did you know there are 720 different ways to pay off 6 debts, but only one of those ways is the fastest way? Actually, once you also consider
the varying factors of each debt, 720 becomes a lot more. What are some of the varying factors?

                                                 * Loan Term                                                        * Years Remaining
                                                 * Original Balance                                                 * Current Balance
                                                 * How interest is Calculated                                   * Frequency of Payment      
                                                 * Fixed or Variable Interest rate                             * Date of Payment
                                                 * Monthly payment amount

There are over 6 billion ways to pay off 13 debts. Our Financial Navigation Solution takes all these factors into consideration and calculates
the solution for you, so you reach a zero balance in the one, and only one, fastest way possible.
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 COMPLEX MATH                    
                         
  
  Take advantage of the UFirst™ Money Merge Account® system's Mathematical Algorithms and
  Factorial Math calculations to do the work for you.
  Tell our software how much money is coming in and how much money is going out. It will then
  tell you how, when and where to move your money.
  It is as easy as point and click.
                           
    
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NO STAGNANT MONEY     
    
  Take advantage of Arbitrage just like the banks do. Pay a little or no      
  interest to earn/cancel a lot of interest. 
  Leverage other people's money like the bank leverages your money.
  Have your idle money working for you 24 hours a day, 7 days a week.
  What's idle money? Money sitting in your checking, savings or cd
  accounts.    
  The Banks Capitalize on the principle of NO STAGNANT MONEY.
  They also practice 'Sweep Account Strategies'. At the close of business
  daily, banks sweep the checking and savings accounts of all their clients.
  They then invest your money, earning interest while you sleep.
   
  Smart Investors Move Their Money Strategically. They know money
  works 24 hours a day, 7 days a week, 365 days a year.
  SMART INVESTORS do what the banks do. They move;
                                                           The Right Amount of Money
                                                           At The Right Time
                                                           Into The Right Account
                                                           For The Right Length of Time.
The Money Merge Account system coaches and guides you to move your
money strategically so you can pay off your debt a.s.a.p.

To learn how our system will prompt you to move your money, click here.
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DASHBOARD

Our software provides a focused 'Action Plan' with one defined goal that is displayed on a dashboard and is always at your finger tips. What
is that one defined goal? To have all your financial obligations paid off in the quickest and most efficient amount of time for your personal
circumstances. 

                                      PAYOFF DATE                          YEARS TO PAYOFF                         INTEREST PAID

                                     November 2019                                 11.33                                      $97,455.48                               
                                                                              
The dashboard numbers are dynamic therefore they change with every transaction you make so you are educated about the consequences
of your spending and saving choices. This dashboard can show you the impact of your financial decisions before you actually perform them in
real time. Dare to imagine what you could do if you had NO mortgage, loan or credit card payments each month?

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CREDIT CARDS

               Learn how to use a Credit Card so you benefit and leverage Mr. Credit Cards' money for free in the  process.                                                                                                                                                                                                                                   

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STRETCH YOUR DOLLARS

         
  Using the Money Merge Account system, financial navigation solution the seven (7) strategies will potentially help you;
                                  *  save hundreds or thousands of dollars of interest off your mortgage
                                  *  save hundreds or thousands of dollars of interest off your educational debts
                                  *  save hundreds or thousands of dollars of interest off your consumer debts


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OWN YOUR HOME FREE AND CLEAR IN A FRACTION OF THE TIME.

The Money Merge Account system will pay off any type of mortgage, even
if it is Interest-Only, Negative Amortized, Option A.R.M., Upside Down, FHA,
Conventional, 2nd Mortgage.

This program can be used with any type of Property debt; Commerical,
Residential, Investment, Multiple Unit etc. OR with NO Mortgage debt at all.

No need to change your monthly mortgage payment, we do not change
the agreement you have with your bank/lender. 

Never have to re-finance your existing mortgage again.
See QA'ed for why re-financing adds enormously to your debt load.

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BECOME YOUR OWN BANK
         
          
                   You can Become Your Own Bank so you can....

                              - fund big ticket items: cars, boats, RV's
                              - fund a second property, or third or fourth
                              - fund home improvements
                              - fund your kids private school or college expenses
                                       
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LIVE CLIENT SUPPORT
 
                                             Have access to toll-free, one-on-one, live, client support for the life of the program.  
                                                           
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FINANCIAL FLEXIBILITY
                                                                                                                                                                    
         Increase your Financial Flexibility with our no-brainer GPS software , it is so easy to use.
         Integrate all your financial information into one system and have the ability to create an
         emergency cash fund reserve.

         None of your personal information is loaded in our system.
         We do not require account numbers, credit  check, income verification, or SSN# because
         we have NO access to your money.
                                                                                                                               

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 WEB BASED SOFTWARE 

     You have easy access to ALL your information from any high speed internet connected computer
     anywhere in the WORLD. Enter your user name and password for access.
   
     All your financial information will be stored for the life of the program so you can retrieve any
     necessary information at a later date. Our system has encrypted and hacker safe security    
     systems in place that are backed-up multiple times.

     Make sure your bank is applying your mortgage payments correctly by comparing the numbers
     on their mortgage statements to the Money Merge Account system calculations.

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      ARE YOU READY to move forward and see how many years of monthly payments and
     how many interest dollars our system can save you? If so, click on the grey button and
     either contact us or fill out your analysis worksheet to find out.

   
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  ERNST & YOUNG AWARD 

  The United First Financial Founders received the Ernst & Young Entrepreneur The Year®
  2008 Utah Region for Financial Services in June '08.

  Before presenting this prestigious award Ernst & Young performed intensive and extensive
  due-diligence on United First Financial and the Money Merge Account system and found
  them to be very worthy of this high recognition.

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WHAT WE LOVE MOST ABOUT THE UFIRST MONEY MERGE ACCOUNT SYSTEM, FINANCIAL NAVIGATION SOLUTION IS.......
The Clients benefit, the United First Financial Agents benefit, United First Financial and it's Founders benefit, our Local Communities
benefit, our Nation benefits and therefore the Whole World benefits from people using the Money Merge Account program to BUILD
WEALTH while paying off their obligations in the smartest way possible.

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WATCH CHAPTER 3 OF THIS VIDEO -  A SHORT 10 MINUTE OVERVIEW.

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BEST TEST IS TO USE IT YOURSELF

You know that the best and most reliable way to test a
product is to use it oneself so we look forward to hearing
from you so we can analyze your current financial position
and see how the Money Merge Account system will benefit you.


CONTACT US FOR YOUR NO-COST, PERSONALIZED,
NO-OBLIGATION, ANALYSIS, NOW