3. NOT a Bi-Weekly Program NOT a Debt Rolldown Program NOT a Reverse Mortgage NOT a Concept or Theory The Financial Freedom Plan

4. Financial GPS It guides you to: Pay off debtsPay off debts Save for retirementSave for retirement Stay focusedStay focused Track successTrack success The Financial Freedom Plan Is Your Financial GPS

5. Bank Like a Banker Ever since banks opened their doors, they have relied on math and timing to make money work. Now it’s your turn to be the banker. Leverage money to lower debts Leverage money to lower debts and cancel interest. and cancel interest.

6. Banks pay interest to earn interest. Banks pay interest at <3% Your checking, savings, cd’s Earn <3% Banks earn interest at >6% Your loans, credit cards, mortgages pay >6% How Do Banks Work?

7. Our System works on your behalf to make sure every dollar you have either earns interest or cancels interest! People who understand interest, earn it, those who don’t, pay it.

8. “Those who understand interest are destined to earn it, while those that don’t are doomed to pay it.” “You can’t solve a problem by using the same logic and reasoning that caused the problem” “Doing the same thing over and over and expecting different results is insanity” Albert Einstein

9. Conventional ProgramFinancial Freedom Plan $121,855 Total Interest Saved 40 Years Old 30 years to zero15.3 years to zero $247,764 in interest$125,878 in interest John and Mary Jones

10. What is an Interest Cancellation Account? You have just created an INTEREST CANCELLATION ACCOUNT!!! When you put a charge on your credit card, how much interest does it cost you? If you pay the credit card bill in full each month, how much interest does it cost you?

11. If you have any kind of debt, you should NOT have your money stagnating in a checking or savings account! If you have any kind of debt, you should NOT have your money stagnating in a checking or savings account! Create an Interest Cancellation Account with Your ALOC! = “Spending Account” Money goes in and out, but little or no interest is earned. = “Safety Net” – Money is moved here in case we run into hard times. We usually earn 1 – 2% interest on this account. Savings Checking

12. Available Line of Credit - ALOC Features Functions as a primary cash accountFunctions as a primary cash account Ability to pay bills (take money out)Ability to pay bills (take money out) Deposit your income (put money in)Deposit your income (put money in) Interest is adjusted multiple times per monthInterest is adjusted multiple times per monthFunctionality Keep your money in the ALOC as long as possibleKeep your money in the ALOC as long as possible Spend the least amount by the end of each monthSpend the least amount by the end of each month Have access to low interest money at all timesHave access to low interest money at all times Balance cannot drop below ZEROBalance cannot drop below ZERO Your ALOC is an Interest Cancellation Account!

13. Debt Consolidation What if we move debt around or consolidate our debt, how does that affect payoff? –If you combine your debts in an inefficient manner you could cost yourself years and thousands of dollars in interest –Strategic Payoff uses factorial math to determine which debts to pay off with other accounts

14. Can You Guess the Combination? Variables Possible Combinations?

15. Factorial Math Fair Isaac* reports the average consumer has 13 active creditors on their credit report. Over 6 BILLION

16. 4. Strategic Payoff Looks at the characteristic’s of each debt including: –Length of debt –Amount owed –Interest rate –Calculation of Payment –Adjusting Rates

17. True Cost What is opportunity Cost? Lets you immediately see the true cost of your choices and the decisions that you make today.

18. Conventional Program 66 years old 29.3 years to zero At age 95 – passed retirement $ 282,000 in interest 9 Creditors $319,987 in Debt at age 66 $ 158,446 Total Interest Saved Financial Freedom Plan 66 years old 11 years to zero At age 77- debt free $ 123,554 in interest

19. Conventional Program 54 years old 24 years to zero At age 78 - well into retirement $ 245,296 in interest 10 Creditors $213,945 in Debt at age 54 $ 133,068 Total Interest Saved Financial Freedom Plan 54 years old 10.6 years to zero At age 65 - debt free $ 112,228 in interest

20. Conventional Program 30 years old 29 years to zero At age 59 – nearing retirement $ 63,997 in interest 3 Creditors New 30 year Mortgage $76,502 in Debt at age 30 $ 52,454 Total Interest Saved Financial Freedom Plan 30 years old 4.7 years to zero At age 35 - debt free $ 11,543 in interest

21. Fund a Tax Free Retirement Plan a Dream Trip to Europe Provide an Endowment Purchase a Vacation Home Support Your Favorite Charity Purchase Investment Property What will you do with all the money that you save?

22. Since you now know…  How to use the bank’s money in your favor;  That your participation will have little or no adverse affect on your lifestyle or cash flow; your lifestyle or cash flow;  That you can have your mortgage completely paid for in as little as 1/3 to 1/2 the time; little as 1/3 to 1/2 the time;  That you have the potential of saving tens to thousands of dollars in interest… dollars in interest…

23. Where do you go from here?