Why Worth Unlimited???• The Product

Amazing financial tool

• Target MarketWho has debt???

• Method of DistributionNo selling

• Lucrative Income StreamFull or part time income from day one

CurrentlyOver 70, 000 clients using the Worth Account

To become DEBT FREE!!!

Realized significance and problem with debtLaunched first version of the Worth Account 2004

Started in the Mortgage industry in 1997One of Utah’s fastest growing companies in 3 years

Denver Beta Test400 homeowners test. Average client

20% ahead of schedule

Our Story

Moving in the Right Direction

1. Accelerated Mortgage Payoff2. Strategic Debt Payoff3. The Worth Account, Coaching

and Education

Three Strategies of The Worth Account

$199.10 $1,000.00Principle Interest Balance Equity Paid

Month 1Month 2Year 1Year 5Year 10Year 21Year 30

$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 $100,573 $99,436 $300,947

$431,677

Principal Balance:Interest Rate:

30 Year:Monthly Payment:

$200,0006%360 Months$1,199.10

Interest Paid$231,677

$ 1,199First monthly payment

$ 5,000Additional principal

$ 6,199Total first payment

Sending Extra Principal

$195,000 New principal loan balance 6% Interest rate

$1,199 Monthly payment 337 Months (eliminated 23

payments) $231,677 Original interest paid $203,373 New interest paid $ 28,304-$ 5,000 Additional principal payment $ 23,304 Interest Cancellation

$200,000 Original loan balanceInterest Cancellation

• Home Equity Line of Credit• Personal Line of Credit• Commercial Line of Credit• Secured Line of Credit• Credit Card

Checking and Savings Accounts

Worth Account LOC’s

$200,000

LOCCheckingSavings

Credit CardRevolving debt2nd mortgage

Worth Account

$10,000

Mor

tgag

e

$200,000

Mor

tgag

e $10,000

Funds Transfer: borrow money from your LOC to pay down your 1st mortgage.

L O C

Funds Transfer: $5000

$195,000

Mor

tgag

e

$5,000

$200,000

$10,000

Future MortgageInterest Cancelled

$23,304

Eliminated23

Payments

$195,000

Mor

tgag

e

$5,000

$200,000

$10,000

$5,000 Pay Check

$0

$5,000 Monthly “net” income-$4,000 Living expenses $1,000 Discretionary income

Monthly Budget

Worth Account $3,500Expenses $4,000

$7,500Income $5,000

Ending Balance $2,500 $20.83

Starting Balance $2,500

Expenses $4,000 $6,500

Income $5,000

Ending Balance $1,500

$12.50

Mon

th 1

Mon

th 2

Price is based on a percentage of how muchInterest the Worth Account will save you

___________________________________________

Worth Account $750 up to $3,495

$34.803 month total$68.13

Reduced mortgage by18 months

Interest Cancellation$17,249

Mon

th 3

Starting Balance $1,500.00

Expenses $4,000.00$5,500.00

Income $5,000.00Ending Balance $

500.00Funds Transfer

$3,675.77Ending Balance

$4,175.77

Principle Interest Balance Remaining

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

$19.38 Principal Jump

Interest Cancellation$17,249

Reduced mortgage by18 months

Amortization Schedule

Starting Balance $4,175.77Expenses $4,000.00

$8,175.77Income $5,000.00

Ending Balance $3,175.77 $26.46

$18.13

Mon

th 4

Mon

th 5

Starting Balance $3,175.77

Expenses $4,000.00$7,175.77

Income $5,000.00Ending Balance

$2,175.77

$34.136 month total$146.85

Mon

th 6

Starting Balance $2,175.77

Expenses $4,000.00$6,175.77

Income $5,000.00Ending Balance

$1,175.77Funds Transfer

$2,920.23Ending Balance

$4,096.00Interest Cancellation

$12,249Reduced mortgage by

16 monthsInterest Cancellation

$29,523Reduced mortgage by

37 months

Principle Interest Balance Remaining

Month 4 $220.48 $978.62 $195,503.45 338

Month 5 $221.58 $977.52 $195,281.87 337

Month 6 $222.69 $976.41 $192,138.94 323

Month 7 $238.41 $960.39 $191,900.53 322

$15.72 Principal JumpReduced mortgage by

37 monthsInterest Cancellation$29,523

Amortization Schedule

Starting Balance $4,096.00Expenses $4,000.00

$8,096.00Income $5,000.00

Ending Balance $3,096.00 $25.80

$17.47

Mon

th 7

Mon

th 8

Starting Balance $3,096.00

Expenses $4,000.00$7,096.00

Income $5,000.00Ending Balance

$2,096.00

$33.36

9 month total$223.48

Starting Balance $2,096.00

Expenses $4,000.00$6,096.00

Income $5,000.00Ending Balance

$1,096.00Funds Transfer

$2,917.68Ending Balance

$4,013.68

Mon

th 9

Interest Cancellation$11,155

Reduced mortgage by14 months

Interest Cancellation$40,678

Reduced mortgage by42 months

Principle Interest Balance Remaining

Month 7 $238.41 $960.69 $191,900.53 322

Month 8 $239.60 $959.50 $191,660.93 321

Month 9 $240.80 $958.30 $188,502.45 309

Month 10 $256.59 $942.51 $188,245.86 308

$15.79 Principal JumpReduced mortgage by

42 monthsInterest Cancellation$40,678

Amortization Schedule

Starting Balance $4,013.68Expenses $4,000.00

$8,013.68Income $5,000.00

Ending Balance $3,013.68 $25.03

$16.70

Mon

th 1

0M

onth

11

Starting Balance $3,013.68

Expenses $4,000.00$7,013.68

Income $5,000.00Ending Balance

$2,013.68

$32.6812 month total$297.89

Starting Balance $2,013.68

Expenses $4,000.00$6,013.68

Income $5,000.00Ending Balance

$1,013.68Funds Transfer

$2,917.67Ending Balance

$3,931.35

Mon

th 1

2

Interest Cancellation$10,184

Reduced mortgage by14 months

Interest Cancellation$50,862

Reduced mortgage by53 months

Principle Interest Balance Remaining

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

$15.88 Principal Jump

Month 1 $199.10

Month 13 $275.04

$75.94

Interest Cancellation$50,862

Reduced mortgage by53 months

Amortization Schedule

Loan amount: $200,000

Worth Account Conventional ProgramStarting balance $200,000

Balance in 1 year:

10.4 years$70,422

30 years$231,677

$200,000Balance in 5.5 years:

Repayment time

Total interest paid

Total interest savings: $161,255

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

$197,543

• Live transaction updates• True Cost• Simple to update• Provides tracking tool• Functions as an account register

• How much money is coming in• How much money is going out

• Tracks your monthly budget• Improves your Credit Score• Includes continuous customer

support, coaching and education

Strategy #1 > Accelerated Mortgage Payoff

The Worth Account Program

1. Accelerated Mortgage Payoff 2. Strategic Debt Payoff

Strategy #2: Strategic Debt Payoff

How Would You Pay This Off?

$15,5388.25%$233.00

Credit Card Balance

$4,3096.125%

$64.64Furniture

$27,7536%

$333.06Trailer Loan

$42,2966.75%$748.54Auto Loan

$226,1836.5%

$1,453.76Mortgage $7,753

6.125%$125.42ATV Loan

theBANK

Strategy #2 > Strategic Debt Payoff

• Amount owed • Length of debt• Interest rate • Calculation of Payment• Adjusting Rates

Strategic PayoffLooks at the characteristic’s of each debt including:

LOCChecking

Income

Strategic Debt Payoff

Debts

Cash Flow - LOC

PAY

FT

Minimum Reserve

Income

Income Income

Optimal transfer point

Critical Level

Savings CheckingStrategic

Debt Payoff

Debts

Cash Flow- Checking and Savings

PAYFT

Minimum Reserve

Strategic Allocation

Income

Income High Reserve line

Minimum Reserve

Optimal transfer point

Strategic Allocation

Continuous Customer Support

Let the WORTH Analysis Department run a free analysis

1-800-224-1053