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Primary Analysis 29 June 2009

Tammy Lowe and Applicant # 2 Prepared by: Tammy Lowe-Bouch


13319 - 79 Avenue Edmonton, AB 7802939000
UT0000-13926 creativevisions@telus.net

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

Projected Interest Savings Projected Payoff Payoff Date Time Savings


$38,876.26 1.7 Years February 2011 23.4 Years

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

Current Liabilities

Existing Debts (to be paid off with


Balance Payments
MMA)
TD $4,119.36 $106.00
Capital One $4,500.00 $100.00
BMO $9,786.12 $195.00
Citifinancial $2,866.76 $100.00
RBC $9,500.00 $80.00
Citifinancial #2 $3,062.60 $192.00
Citifinancial #3 $3,257.85 $192.00
The Bank $2,225.00 $78.97
Wells Fargo $21,000.00 $494.29
Citifinancial $2,065.00 $169.00

Total Liabilities $62,382.69 $1,707.26

Current Net Income

Employer/Source Interval Amount


Bi-Weekly $1,685.00
Semi-Monthly $1,557.00

Total Income $6,484.00

Income Analysis

Total Net Monthly Income: $6,484.00


Total Monthly Fixed Expenses: $1,707.26
Current Monthly Discretionary: $1,800.00
Monthly Living Expenses: $2,976.74

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 will
alter the performance of my Money Merge Account program.

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 1 of 6

(p)866.307.3201 (f)801.516.1427
Primary Analysis 29 June 2009

Tammy Lowe and Applicant # 2 Prepared by: Tammy Lowe-Bouch


13319 - 79 Avenue Edmonton, AB 7802939000
UT0000-13926 creativevisions@telus.net

X X Date
______________________ ______________________ ___________
Applicant Co-applicant

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 2 of 6

(p)866.307.3201 (f)801.516.1427
Amortization Comparison 29 June 2009

Tammy Lowe and Applicant # 2 Prepared by: Tammy Lowe-Bouch


13319 - 79 Avenue Edmonton, AB 7802939000
UT0000-13926 creativevisions@telus.net

Current Debt Schedule Money Merge Account

Debt Amount: $62,382.69 Debt Amount: $62,382.69


Remaining Term: 301 Projected Payoff: 20
Principal Payments: $62,382.69 Principal Payments: $62,382.69
Interest Payments: $46,368.05 Interest Payments: $7,491.79
Total Payments: $108,750.74 Total Payments: $69,874.48
Principal Interest Total Principal Interest Total
Year Year
Paid Paid Paid Paid Paid Paid
1 $11,222.93 $9,264.19 $20,487.12 1 $38,659.42 $6,453.72 $45,113.14
2 $21,983.12 $16,207.13 $38,190.25 2 $62,382.69 $7,491.79 $69,874.48
3 $30,438.46 $21,602.91 $52,041.37
4 $40,227.74 $25,600.91 $65,828.65
5 $47,768.80 $28,148.12 $75,916.92
6 $50,137.12 $29,913.67 $80,050.79
7 $50,740.50 $31,470.29 $82,210.79
8 $51,500.38 $32,870.41 $84,370.79
9 $52,458.13 $34,072.66 $86,530.79
10 $53,133.69 $35,046.18 $88,179.87
11 $53,175.30 $35,964.57 $89,139.87
12 $53,221.24 $36,878.63 $90,099.87
13 $53,271.95 $37,787.92 $91,059.87
14 $53,327.93 $38,691.94 $92,019.87
15 $53,389.74 $39,590.13 $92,979.87
16 $53,457.99 $40,481.88 $93,939.87
17 $53,533.36 $41,366.51 $94,899.87
18 $53,616.57 $42,243.30 $95,859.87
19 $53,708.45 $43,111.42 $96,819.87
20 $53,809.92 $43,969.95 $97,779.87
21 $55,026.53 $44,777.34 $99,803.87
22 $56,601.96 $45,438.71 $102,040.67
23 $58,341.48 $45,935.99 $104,277.47
24 $60,262.22 $46,252.05 $106,514.27
25 $62,382.69 $46,368.05 $108,750.74

Saving Summary

Payoff Months Paid Months Saved Years Paid Years Saved Interest Paid Interest Saved
February 2011 20 281 1.7 23.4 $7,491.79 $38,876.26

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 3 of 6

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Potential Cash Accumulation & Goals 29 June 2009

Tammy Lowe and Applicant # 2 Prepared by: Tammy Lowe-Bouch


13319 - 79 Avenue Edmonton, AB 7802939000
UT0000-13926 creativevisions@telus.net

Potential Cash Accumulation

Scenario 1 Scenario 2 Scenario 3


Starting Principal: $0.00 Starting Principal: $0.00 Starting Principal: $0.00
Sample Return Rate: 2.00 % Sample Return Rate: 4.00 % Sample Return Rate: 6.00 %
Number Of Months: 281 Number Of Months: 281 Number Of Months: 281
Monthly Contribution: $3,507.26 Monthly Contribution: $3,507.26 Monthly Contribution: $3,507.26
281-Month Balance: $1,255,684.31 281-Month Balance: $1,628,236.15 281-Month Balance: $2,147,343.74

These figures illustrate the potential cash accumulation you may experience by paying your mortgage off in 1.7 years using your Money
Merge Account. Then refocusing your discretionary income and fixed expenses for the time saved from your current schedule. The graph
refers to Potential Cash Accumulation scenario 1).

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 4 of 6

(p)866.307.3201 (f)801.516.1427
Monthly Expenses 29 June 2009

Tammy Lowe and Applicant # 2 Prepared by: Tammy Lowe-Bouch


13319 - 79 Avenue Edmonton, AB 7802939000
UT0000-13926 creativevisions@telus.net

Expense Worksheet

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 accurate
monthly expense figure is essential to properly creating your Money Merge Account payoff and savings information.

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 5 of 6

(p)866.307.3201 (f)801.516.1427
Payment Options & Strategic Accounts 29 June 2009

Tammy Lowe and Applicant # 2 Prepared by: Tammy Lowe-Bouch


13319 - 79 Avenue Edmonton, AB 7802939000
UT0000-13926 creativevisions@telus.net

Required Accounts Current Info

Account Lender Name Balance % of Exp. Paid Cash Back Rate


Credit Card TD $4,119.36 0% 0% 19.75 %
Credit Card Capital One $4,500.00 0% 0% 23.9 %
Credit Card BMO $9,786.12 25 % 0% 11.5 %
Credit Card Citifinancial $2,866.76 75 % 0% 27.6 %
ALOC RBC $9,500.00 0% 0% 9.95 %
Credit Card Citifinancial #2 $3,062.60 0% 0% 27.6 %
Credit Card Citifinancial #3 $3,257.85 0% 0% 27.6 %
ALOC Citifinancial $2,065.00 0% 0% 27.5 %
Checking CIBC $1,500.00 0% 0% 1%
Savings BMO $2,394.41 0% 0% 1%

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

Proposed Liability Structure

Liability Balance Escrow Payment Monthly Savings:


Merged Accounts $32,195.48 $0.00 $517.32 $211.65
All Other Accounts $30,187.21 $0.00 $978.29

Money Merge Purchase Options

0 - month Finance One payment


Purchase Price: Purchase Price: $1,795.00
Monthly Financed(0 months): Total Cost: $1,795.00
Total Cost:

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

* The above information is for comparison purposes only. Results will vary depending on each individual's spending habits and future
financial circumstances. Individual qualification is required for the Money Merge Account. The Information contained herein does not
constitute 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 this
report 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 information listed above. The performance of your Money Merge
Account program can be increased or decreased based on your mortgage interest rate, income, assets, and/or liabilities. You, the buyer, may
cancel this transaction, without penalty or obligation, at any time prior to midnight of the third business day after the date of this transaction.
(Five days for AK.)

X X Date
______________________ ______________________ ___________
Applicant Co-applicant

United First Financial 14950 S. Pony Express Rd., Bluffdale, UT 84065 Page 6 of 6

(p)866.307.3201 (f)801.516.1427

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