United First Financial utilized On3′s Enablement Services to mentor their staff and help develop a customer facing application for mortgage holders. The simple user experience of this software helps customers better manage real estate investments, and optimize cash flow while minimizing interest charges. The application, Money Merge Account 4.0 (MMA4) is United First Financial’s product that is used to qualify prospects and introduce HELOCS, 1st & 2nd Mortgages, as well as their other financial products and services. On3 performed software development, system set-up, code review, traditional consulting, training, staff augmentation, troubleshooting, and code optimization. On3 created an RIA software product in Flex, which was engaging enough to entice clients to enter a complete personal financial history into the tool. The application is currently being used by all of United First Financial’s customers, many of whom eventually use their financial products to reduce fees and minimize interest charges over the duration of their home loans.