F.E.S. Business Overview


1. • Have less than perfect credit? • Have debt and no idea how to pay it off? • Don’t have their personal & financial affairs in order? • Dislike their current job and are looking for a career change? Why FES? Think About It…How Many People…

2. • Need to make more money? • Can’t afford an annual vacation? • Aren’t where they want to be in life? • Just want a solution and plan of action? Why FES? Think About It…How Many People…

3. Why Is This? Our Formal Education Didn’t Teach Us About Personal Finances or Success

4. We Provide: • The financial education and success training we needed a long time ago • Services that protect your identity, credit, family & finances • Lucrative and life-changing opportunities FINANCIAL EDUCATION SERVICES

5. • Founded in 2004 • Headquartered in Farmington Hills, Michigan • A+ Rating with the Better Business Bureau • Over 100% in annual sales growth • Debt-free • Same key executives since the company’s inception Mike Toloff Parimal Naik

6. The Protection Plan Membership A Plan That Protects Your Identity, Credit, Family, Finances, Lifestyle & Future!

7. What's In Your Protection Plan Membership?

8. Emphasis On Credit • Today your credit score is like a vital sign, it’s being monitored at all times • It can impact insurance premiums & interest rates • You can be denied the ability to rent, purchase, get a credit card or even employment • Over the course of your lifetime less than an excellent credit rating could cost you over $200,000 (Source: money.msn.com)

9. CREDIT RESTORATION United Credit Education Services  Leverage your legal rights to investigate, dispute and challenge negative items on your credit report.  Inaccurate, erroneous or obsolete items such as late payments, collections, bankruptcies, judgments, medical bills, etc. can be potentially deleted or updated on your credit reports.

10. CREDIT RESTORATION United Credit Education Services  Almost 15-year track record  Close to one million derogatory items deleted from people’s credit reports  Tens of thousands of satisfied clients  Satisfaction Guaranteed

11. Other Valuable Credit Building Services Positive Credit Builder – Recommendations for adding positive tradelines to your credit profile DebtZero – Interactive online debt payoff system and budgeting tool. Credit Attorney –Feel at ease knowing you have a defense team on your side. Credit Monitoring – Access to your credit scores and credit reports 24/7.

12. “In just two months, my credit score increased to the point that my car insurance premium was lowered by $2,000 per year!” ~ Yvette Reid, Cherry Hill, NJ “My credit score went from a 586 to a 748 allowing me to purchase a new car with no money down and a very low monthly payment!” ~ Bryan Fallucca, Ft. Lauderdale, FL DOCUMENTATIONIndividual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES

13. “After having our bankruptcy removed, we were able to purchase a home with a low, fixed interest rate, which saved us almost $1,000 per month.” ~ Johnny & Sandra Moler, Dallas, TX DOCUMENTATIONIndividual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES “After just 45 days I had a tax lien and a foreclosure deleted from my credit reports!” ~ Vinny Ho, Westminster CA

14. Other Protection Plan Services Will, Trust, POA & Financial Lockbox • A program developed by attorneys • Organize all of your personal & financial information in this virtual password-protected safety deposit box • Easy to use services with client support available

15. Money-Saving Benefits: Discount Shopping Portal •Prescription discounts ranging from 10% to 85% •Use your own FES discount travel portal. •Shop online at your favorite retailers and get cashback •Insurance Solutions - You have access to experienced insurance professionals for all your insurance needs.

16. Over $10,000 Individually or Over $400 Per Month What Is Protecting Your Family, Lifestyle & Future Worth?

17. Exclusive Money Saving Services That Protect Your Identity, Credit, Family, Finances, Lifestyle & Future!

18. Youth Financial Literacy Foundation (YFL) • Each Protection Plan Membership Donates $2 Each Month To The YFL. • Educates Young People From Ages 8 to 18 On The Matters Of Personal Finance. • Financial Literacy In Schools Across America. • Annual College Scholarships – The YFL Awards Hundreds Of Thousands Of Dollars In College Tuition Each Year.

19. CAREER OPPORTUNITY

20. How Many People Today Control Their… Income? Schedule? Advancement? Benefits? Retirement & Future?

21. Welcome To Hybrid Marketing… “Where Corporate America Meets Entrepreneurship”

22. What Do We Do To Earn Income & Benefits? WE HAVE TWO DIVISIONS • Developing Corporate Accounts & Establishing Personal Clients: Protection Plan Membership Sales & Sales of Individual Services • Business Development: Recruit, Train & Manage A Nationwide Sales Organization

23. Corporate Accounts Industries that require creditworthy clients and/or have clients with damaged credit. Real Estate AgentsCar DealershipsMortgage Brokers Tax Professionals Bankruptcy Attorneys Loan Modification / Debt Settlement Companies

24. For each Protection Plan sale, you can earn $1003 Personal Sales Commissions $100 Customer $100 Customer $100 Customer Agent with a Protection Plan Plus $12 per month residual income.

25. Theoretical Example: Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. Income Potential 2 PP customers per week can = $800 per month 5 PP customers per week can = $2,000 per month 10 PP customers per week can = $4,000 per month 20 PP customers per week can = over $100,000 per year

26. Some Of Our Services Can Be Sold Individually

27. “It’s better to get 1% of a hundred people’s efforts rather than 100% of your own.” ~ J. Paul Getty, Billionaire Business Development

28. Customer Acquisition Bonuses Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. AGENT PPM AGENT $100 CAB + Residual *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus $100 + Residual $100 + Residual

29. Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT FIELD TRAINER 1,600 Team Volume** $160 CAB + Residual Customer Acquisition Bonuses *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus $100 + Residual $100 + Residual

30. Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT SENIOR FIELD TRAINER 5,000 Team Volume** $240 CAB + Residual Customer Acquisition Bonuses *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus $100 + Residual $100 + Residual

31. Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT SALES DIRECTOR 10,000 Team Volume** $380 CAB + Residual Customer Acquisition Bonuses *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus $100 + Residual $100 + Residual

32. Customer Acquisition Bonuses Bonuses PAID WEEKLY Agent $100 up to $140 $140 $140 $140 $140 $140 up to $280 $280 $280 $280 $280 $280 up to Field Trainer $160 up to Sr. Field Trainer $240 up to Sales Director $380 up to Regional Sales Director $430 up to $330 $330 $330 $330 $330 $330 $330 up to $375 $375 $375 $375 $375 $375 $375 $375 up to Executive Sales Director $475 up to up to $420 $420 $420 $420 $420 $420 $420 $420 $420 $420 Vice President $500 up to $510 up to $520 up to Regional VP Executive VP up to $400 $400 $400 $400 $400 $400 $400 $400 $400 up to $410 $410 $410 $410 $410 $410 $410 $410 $410 Senior VP, RVP, EVP VPu$550 up to up to $450 $450 $450 $450 $450 $450 $450 $450 $450 $450 up to $60 $60 $60 $60 $60 Paid To Unlimited Levels! *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

33. FIELD TRAINER $280 $280 $280 $280 $220 $220 FIELD TRAINER AGENT About $5,000 Total CAB Bonuses Theoretical Example: Team Earnings Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. SALES DIRECTOR AGENT FIELD TRAINER $280 $280 $280$280 $280 $220 $220 $220 $220 $220 $220 $220 $220 $220

34. In this Theoretical Example If you did this once a month = about $5,000.00/Month Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

35. In this Theoretical Example If you did this once a month = about $5,000.00/Month If you did this once a week = about $20,000.00/Month Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

36. In this Theoretical Example If you did this once a month = about $5,000.00/Month If you did this once a week = about $20,000.00/Month What if you did this twice a week = ??? Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

37. You Theoretical Residual Income Example: The POWER of the Protection Plan Membership People / Level Override 5 Agents and/or Customers 25 125 625 3125 15,625 19,530 PPM $75,000/mo $7,500/mo $750/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

38. Building Towards Rest, Relaxation, & Retirement!!! The FES R & R Club Up To $600 Monthly Audi Payment One-time $10K, $25K & 50K Cash Bonuses $1,500 Expense Allowance (Includes $600 Audi Payment) $5k Monthly House Payment Monthly Retirement Bonus Up To $25k From $100K - $250K Monthly Lifetime Bonuses (The Accumulation Of Personal & Team PPM – Min. 500 PPM Required) Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

39. R&R Club Total Benefits Are Worth Over $3,000,000 Annually The FES R & R Club True Wealth & Freedom Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.

40. TRAINING & SUPPORT GET THE BEST INFORMATION FROM THE BEST SOURCES!

41. Training & Support 100% 50% 25% 12% 6% 3% You New Agents

42. This Means Two Things! 1. It doesn’t matter who invited you to take a look at FES or who enrolls you because they can’t impede your success. 2. You can plug people that you know into the system and they might go out and do better than you!

43. • Online Training • Conference Call Training • Local Trainings • Regional 1-Day Basic Trainings • Regional 2-Day Advanced Trainings • National 3-Day Leadership Trainings Training & Support

44. “As Real Estate Brokers we depended on closings and sometimes we waited weeks and even months causing us tremendous stress. Now FES is our fulltime career and FESA has paved the way to Regional Vice President and the R&R Club! Our retirement and future is set!” ~ Wayman & Jean Kimpson, Atlanta, GA Individual results may vary. There is no guarantee to the level of success you will achieve. Results…Everything Else Is Irrelevant

45. “As a business owner, I was watching my income go backward due to a changing industry and my financial future was in jeopardy. FES was just what I needed and with the trainings of FESA combined with hard work led me to Vice President and R&R Club. With this amount of money my future is no longer a concern!” ~ Warren Bauerfeld, Minneapolis, MN Individual results may vary. There is no guarantee to the level of success you will achieve. Results…Everything Else Is Irrelevant

46. “I was a radio broadcaster and while it may sound good I could barely make ends meet. I was frustrated and felt like my dreams were gone. FES got me out of broadcasting and using the FESA system and trainings helped me to become a Regional Vice President and R&R Club member. Now I finally have my dreams back!” ~ David Moon, Annandale, VA Individual results may vary. There is no guarantee to the level of success you will achieve. Results…Everything Else Is Irrelevant

47. “I was working 70+ hours a week in retail and it left me stressed, frustrated and in need of a change. With all the training and personal growth, not only am I a Regional Vice President and R&R Club member making more money than ever before but now I'm living life on my terms” ~ Jill Halbreich, Orange County, CA Individual results may vary. There is no guarantee to the level of success you will achieve. Results…Everything Else Is Irrelevant

48. Level Of Interest Have excellent credit, all my personal affairs in order and have a successful career, but could provide referrals.

49. Level Of Interest Have excellent credit, all my personal affairs in order and have a successful career, but could provide referrals. Interested in the Protection Plan Membership.

50. Level Of Interest Have excellent credit, all my personal affairs in order and have a successful career, but could provide referrals. Interested in the Protection Plan Membership. Interested in the PPM and the financial opportunity! I just need a game plan on how to get started!

51. 4 STEPS TO GETTING STARTED

52. Option A – Slow: $288 $199 Enrollment + $89 Protection Plan Membership Option B – Pro: Add $98 or $198 Professional Training (Basic or Advanced) 4 STEPS TO GETTING STARTED Step #1 - Enroll & Become an Agent

53. FES Academy Professional Training What You And Your Team Will Learn:  How to Establish Corporate Accounts  How to Sell Protection Plan Memberships  How to Establish a Substantial Team of Agents  How to Manage a Nationwide Organization  How to Understand and Maximize the Compensation Plan  How to Build a Long-Term Residual Income  How to Become a Successful FES Leader  The Right Mindset and Attitude for Success With FES  Much More! LEARN FROM TOP PRODUCERS HOW TO BE A TOP PRODUCER! 4 STEPS TO GETTING STARTED

54. Once You Are Enrolled You Receive:  A Personalized Web Site  An Online Sales Tracking System  Agent & Customer Support  Access To Professional Marketing Materials  Weekly Pay  Tax Advantages 4 STEPS TO GETTING STARTED

55. Step #2 – Become A Protection Plan Member Protect Yourself & Your Family Benefits of a Protection Plan Membership $89 per month (Includes All Services & Benefits) Eligible to get your Membership FREE Up To $100,000 In Life Insurance 4 STEPS TO GETTING STARTED ==

56. Step # 3 – Expose People To FES Develop Sales, Corporate Accounts & Other Agencies Who Do You Know…  Has less than perfect credit?  Does not have a will, trust or power of attorney?  Who has debt and would benefit from a system to pay it off?  In credit related industries? (Real Estate, Mortgage, Auto, Banking)  Who is looking for part-time or full-time income?  Who is frustrated with their current career and needs a change?  Wants to become financially free? 4 STEPS TO GETTING STARTED

57. How To Expose People To Financial Education Services “Become great at exposing while you learn to become great at explaining.” EDIFY & PROMOTE 4 STEPS TO GETTING STARTED CONTACTS YOU FES Experts

58. Step #4 – Schedule Your First Training SLOW:  Online Training  Conference Call Training  Local Trainings PRO:  Regional 1-Day Basic Trainings  Regional 2-Day Advanced Trainings  National 3-Day Leadership Trainings 4 STEPS TO GETTING STARTED

59. 64 A Quick Recap What is your level of interest? - Provide Referrals - Become a Customer - Become an Agent and Customer - Option A – Slow - $288 - Option B – Pro – Add $98 or $198 Congratulations And Welcome To The FES Team!
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