Envirian LLC Partners with United First Financial
National Real Estate Franchise Strives to Help Clients Gain Financial Wealth in 2008

Reston, VA January 30, 2008 — Envirian, a national real estate technology franchise brokerage that offers an operating system designed to deliver immediate leads via the Internet to real estate professionals, has partnered with United First Financial, to offer homeowners and buyers with the benefits of it's on-line Money Merge AccountTM (MMA), according to a company spokesperson. The United First Financial program assists users in paying off home loans early by employing their equity to reduce interest on monthly mortgage payments.

"The MMA system is a powerful tool that helps consumers fulfill their dream of homeownership and save money for their future," Barton Prince, Independent Agent for United First Financial, said. "Using the MAA, consumers are able to pay off their mortgages in as little as one-half to one-third of the time, with little to no change in their lifestyles, or by refinancing their existing mortgages," Prince added.

According to Prince, the United First Financial MMA system is not a bi-weekly payment or debt roll-down system. Instead, the on-line program is based on a homeowner's existing primary mortgage, an advanced line of credit and the system's software. The on-line MMA system makes a virtual connection between the homeowner's account, advanced line of credit and primary mortgage. Each time income is transferred into the account, it registers a decrease in the user's mortgage balance. This decrease in mortgage balance lowers the balance on which interest on the loan accrues. Decreasing the balance on which interest accrues, increases the portion of the monthly payment which is credited toward the principal pay down. The MMA system automatically calculates and creates the highest interest savings possible in the least amount of time, virtually eliminating a portion of the loan's interest, Prince explained.

"We welcome United First Financial to the Envirian family. It's an exciting program they offer and we are glad to have the opportunity to be one of the first nationwide franchise companies to offer it while others are still thinking about it, said Envirian President and CFO G. Dean Wood.

"The MMA system can help so many people in so many different financial positions reach financial freedom - from the self-employed, young professionals, or first-time buyers, to homeowners looking to move up or even empty nesters," Wood added.

The program can also assist consumers with reducing other debts, funding major purchases such as home improvements or a second property, planning for college tuitions, and coping with other financial challenges such as short-term illnesses, unemployment or maternity, he noted.

"The more I talk with people about this program, the more excited I get about what can help them do financially, said Kevin Kravcak, co-owner of Envirian of Bucks County, PA. "Through this system, you are really helping people to change their lives. You are helping them achieve financial independence and that is a very empowering thing," Kravcak added.

"The program allows us to bring our clients and customers information, and when they see this information, the numbers for themselves about how they can accelerate their financial wealth, it resonates. This is a just such a good thing to do to help people," he noted.

Envirian has franchises located in various territories in Arizona, Washington, D.C., Georgia, Maryland, Massachusetts, New Hampshire, New Mexico, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington.

About Envirian LLC
Headquartered in Reston, Virginia, Envirian (www.envirian.com) was founded in 2004 to fulfill the promise of real estate technology. The company's unique approach to residential real estate brokers and agents includes: technology-based real estate brokerages, 100 company leads per agent per year, 70/30 commission splits, no referral fees on leads, and a collaborative corporate culture. Envirian's proprietary technology solutions were designed for maximum interoperability and benefit, enabling brokers and agents to conduct more business, communicate with clients and each other, as well as manage the process of real estate sales. Services include top position lead procurement, near instantaneous lead delivery to transaction management, and after-sale client services.

For more information about Envirian franchise opportunities, contact Dr. Lee Konowe at 703/391-9200 or 703/928-2805.

About United First Financial
http://www.u1stfinancial.com
Introducing a way to break that cycle of financial drain — United First Financial is an innovative company that helps American homeowners reach their financial goals. The company's Money Merge Account system, developed by a team of financial experts with years of experience in the mortgage industry, rapidly reduces the principal of a homeowner's mortgage, by helping to reduce the loan interest. The Money Merge Account can assist homeowner's with paying off their mortgages in as little as one-half to one-third of the length of the loan. United First Financial is located at 14950 Pony Express Rd., Bluffdale, UT 84065. For more information about the United First Financial MMA system, contact Barton Prince at 215/350-2416 or Billy Goetz at 215/514-8216.