Elaine

1. Be the Banker: For centuries, banks have made millions of dollars taking advantage of the money customers have sitting in their checking and savings accounts. When the customer is not using their money, they take it and lend it out and make interest. The Mortgage Wedge reverses the tables and allows the consumer to be the banker. While you are not using the money in your checking and savings accounts, The Wedge allows you to sweep the money and apply it towards your mortgage balance. If your mortgage balance is less, you owe less interest on your monthly mortgage payment. Therefore, when you pay your monthly payment, more of the payment goes towards principle since less interest is due. The key to The Mortgage Wedge system is that when you need your money to pay bills or for emergencies, you can sweep the money back to your checking to pay your bills. We will discuss how this is done in a moment.

2. Pay extra principle payments: The #1 reason customers do not pay extra money towards their principle balance is simple. Lets say you have $500 left over at the end of the month when you pay all of your bills. Most people wont pay extra on their mortgage because once they pay the extra amount, they cant get it back. That fear of needing extra money in the future prevents extra payments and forces customers to pay their mortgage off in 30 years, accumulating an astronomical amount of interest.

The Mortgage Wedge allows you to pay extra towards your principle. If you need the money in the future, you can sweep it back into your checking account. So, now a customer can have $500 sitting in their checking account and apply it towards their mortgage. If they ever need the money in the future, The Mortgage Wedge allows them to sweep it back to use. In the meantime, you have lowered the amount of interest you owe your mortgage company because you owe less interest.

THE AMOUNT OF INTEREST YOU OWE THE BANK = INTEREST RATE AND LOAN BALANCE.

We have all been focused on the interest rate for years. Now it is time to focus on your balance because it is equally, if not more important.

How does this program work? The Mortgage Wedge Account system helps create an account that sits, or wedges, in between your checking account and mortgage account. The Mortgage Wedge proprietary software works in conjunction with this Wedge account. The software was developed using complex mathematical principles. The end result for the consumer is a very simple and user friendly program that is easy to use. Basically, you continue to do everything you do right now, but just a little different. You are given specific instructions on the mild differences.

A few more key points:

1. Works great if you have a first and second mortgage (or HELOC).
2. Works with primary homes, second homes and investment properties.
3. Works if you start a new mortgage. This includes refinancing, moving to a new home and mortgage, etc.
4. Once you pay off one mortgage, you can use the Mortgage Wedge system for another loan.

For a brief informational video and to see how this program can benefit you please visit www.mortgagewedge.com

Paul D Baltrun
President & CEO