Financial Education Services (FES) offers a wide array of financial programs to help guide individuals on path to financial freedom. FES has 10 year proven track record in helping our clients to improve and maintain credit scores, eliminate/manage debt, protect personal assets with complete estate planning program and protect your identity with identity theft protection. Financial Education Services also offers a unique opportunity for individuals looking to earn additional income or full time income by offering our financial services to consumers and small business owners throughout the country. This is a overview of our services and business opportunity. You have nothing to loose, but you less than perfect credit. You can contact me directly at 240 842 3096 National Account Executive: Maurice Franklin

2. Today’s Realities
• Toughest financial era since the Great Depression
• Average US debt is over $16,000 excluding mortgages
(According to Experian. Source: U.S. News and World Report, August 2008)
• More than one-in-four Americans have no savings / 49% have no retirement
• Only 18% know they are on track to reach their income goal in retirement
• 65% have no will, 82% have no trust & 71% have no power of attorney
• Every 3 seconds an identity is stolen
(Source: Javelin Strategy & Research Identity Fraud Survey Report, February 2012)
• About 43 million people have a 599 credit score or lower
(Source: money.msn.com, May 2012)
(Source: CNNMoney)
(Source: Forbes)
(Source: Lawyers.com, 2009)

3. Think About It…How Many People Do Not Have
Their Personal & Financial Affairs In Order?
How many people…
• Have less than perfect credit?
• Do not protect their identity?
• Have debt and no idea how to
pay it off?

4. • Do not have life insurance?
• Do not have all of their important
personal and financial
information organized and easily
available for loved ones in case
of an emergency?
• Do not have a will, trust and
power of attorney leaving their
family totally unprotected?

5. Should People Have These Things?
Why Don’t They?
A Lack of
Financial
Education!

6. FINANCIAL
EDUCATION
SERVICES
•
•
•
We Provide:
The education we needed a long time ago
Products and services to protect your identity,
credit, family, finances and future
Lucrative and promising career opportunities

7. Mike Toloff
•
•
•
•
•
Parimal Naik
Founded in 2004
Headquartered in Farmington Hills, Michigan
Over 50 million dollars in sales
Debt free
Same key executives since the company’s
inception

8. PRODUCTS & SERVICES

9. Credit Restoration
• Today your credit score is like a
vital sign, it’s being monitored at all
times
• About 25% of the population has a
599 credit score or below
(Source: money.msn.com, May
2012)
• Over the course of your lifetime
less than an excellent credit rating
could cost you over $200,000
(Source: money.msn.com, October 2011)

10. Credit Restoration
• 60% of employers ran a credit check
on at least some applicants
(Source: Society for Human Resource Management, Survey, 2010)
• 4 in 5 credit reports have errors on
them causing lower credit scores
(Source: CBS News, February, 2009)
• Over the past decade millions of
Americans have watched their credit
scores rapidly decline because of
tough economic times

11. Credit Bureaus…
Are privately held billion
dollar companies
Do not verify items placed on
your credit reports
Pay fines each year for failing
to update credit files correctly
Don’t make money correcting
credit, they make money
selling credit files to big
industries and companies

12. You Can Restore Your
Score
The Fair Credit Reporting Act gives Americans the
right to dispute and/or investigate any item on their
credit report
Inaccurate, erroneous & obsolete items such as late
payments, charge-offs, foreclosures, judgments,
repossessions, bankruptcies, tax liens, collections,
short sales, medical bills, and many other items can
be removed from your credit file or can be updated to
reflect paid as agreed

13. United Credit Home Page Screen Shot

16. Credit Restoration:
United Credit Education Services
10 year track record
“A+” Rating with the BBB
Removed over 600,000 derogatory
items from people’s credit reports
Removed over 60,000 public records
Satisfaction guarantee
Thousands of satisfied clients

17. Documentation:
Individual Results May Vary.. Testimonials Given By Independent Agents Of FES
“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
“The real estate collapse forced me into
a short sale which was sure to damage
my credit, but it was deleted from my
credit report in the first 30 days”
~ Bill Shook, Atlanta
GA

18. Documentation:
Individual Results May Vary. Testimonials Given By Independent Agents Of FES.
“ 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 and Sandra Moler, Dallas, TX
“While buying my wife a car, I was informed I had
a 620 credit score. After just 60 days my score
increased to a 799 and I got a much better interest
rate."
~ Chuck Matthews, Detroit, MI

19. Documentation:
Individual Results May Vary. Testimonials Given By Independent Agents Of FES
“I had a tax lien on my credit report for years
that was damaging my credit score and it was
removed from my credit report in 30 days!"
~ Lilly Ortiz, Atlanta, GA
“ I had 14 derogatory accounts removed from
my credit file, including 3 repossessions
and my credit score jumped up significantly,
allowing me to purchase a BMW 740i and a
new home for my family!”
~Lenny Downie, Phoenix, AZ

20. What Would It Be Worth To
Have Excellent Credit?
One Year Service = $499
Monthly Option = $199 / 1st Month
($160 activation fee + $39 first month)
$39 per month thereafter - No Contract / Keep the
service until you reach your desired credit score

21. Will, Trust, Power of Attorney
• 100% of people will die and most people
don’t have these vital documents
• What happens to your children, property,
or other assets?
• If you can’t make decisions for yourself,
who will know your wishes?
• Developed by attorneys
• Complete at your own pace from the
comfort of your home
• Update as needed
• No add-ons or surprise fees
• Easy to use and client support available
$499

22. Identity Theft Protection
• FTC says 9 million Americans have their
identity stolen each year
• LifeLock® watches over and protects your
identity
• The web is being patrolled at all times for
the illegal selling or trading of your
personal information
• Up to a $1 MILLION service guarantee!

23. Additional FES Services
• Positive Credit Builder (Ultra Score) - Education on how
credit works and how your score is calculated. Receive an
analysis of your credit profile with specific
recommendations on how to build a positive credit rating.
• Financial Lockbox – Secure all your important information
in this virtual password-protected safety deposit box.
• DebtZero – Online debt payoff system that helps you pay
off your debts faster and more effectively, saving you
money and helping you put money away for the future.

24. What Would It Be Worth To
Protect Your Family?
• Credit Restoration
• Will & Living Trust
• Positive Credit Builder
• DebtZero
• Financial Lockbox
• LifeLockTM
Up To
$10,000
Or More!
$499.00
$499.00
$149.00
$149.00
$149.00
$99.00
$1,544.00

25. FES Protection Plan Membership Gives You
Learn How To Get All Of These
All Of Our Services At One Low Fee Of $87
Services Every Month For FREE!
Per Month!
$30,000 in Life Insurance
(Agent with Protection Plan Only)

26. Protection Plan Membership
Includes The FES VistaMoney
Prepaid MasterCard
The FES VistaMoney
Prepaid MasterCard is
available only to Independent
Sales Representatives of
Financial Education Services
on the FES Protection Plan.
“This card is issued by First California Bank ("FCB") pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International
Incorporated. Vista Money LLC is a registered MSP of First California Bank”.
*“The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to
provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "Everyone
Qualifies" and "No one is Turned Down" is contingent upon successfully passing this mandatory identification confirmation.”

27. Debit Card Benefits: Everyone’s Approved*
• Online Bill Pay
• Direct Deposit
• Instant Card To Card Transfers
• Debt & Interest Free
• Budget Your Money
• ATM/Bank Cash Withdrawals
“This card is issued by First California Bank ("FCB") pursuant to license by MasterCard International Incorporated. MasterCard is a registered
trademark of MasterCard International Incorporated. Vista Money LLC is a registered MSP of First California Bank”.
*“The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person
who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You
may also be asked to provide documentation as proof of identification. "Everyone Qualifies" and "No one is Turned Down" is contingent upon
successfully passing this mandatory identification confirmation.”
*Must be 18 years or older to apply. See Terms for more details.

28. Protection Plan Membership
Youth Financial Literacy Foundation (YFL)
• Educates young people from ages
8 to 18 on the matters of personal
finance.
• Each Protection Plan membership
automatically donates $2 each
month to the YFL.

29. CAREER OPPORTUNITY

30. Take Control Of Your Career And Future
Do You Currently Control…
•Your income?
•Your schedule?
•Your advancement?
•Your benefits?
•Your retirement?

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

32. How Do We Earn Income?
WE HAVE TWO DIVISIONS
•Sales And Developing
Corporate Accounts
•Business Development: Recruit,
Train & Manage A Nationwide
Sales Organization

33. We Get Paid 8 Different Ways
1. Personal Sales Commissions / Fast Track Bonus
2. Customer Acquisition Bonuses
3. Level Overrides
4. Field Training Bonuses
5. Senior Field Training Bonuses
6. Infinity Bonuses
7. Generational Overrides
8. Global Profit Sharing Pool

34. Sales Commissions
Customer
$150
Customer
$150
Agent
with a
Protection
Plan
Customer
$150
For each $499
Credit Restoration
sale, you can earn
$150!!!
*Fast Track Bonus - 1st
sale must be made
within new Agent’s 1st
30 days.

35. Theoretical Example:
If you only got 1 customer per
week = $600.00/Month
If you got 5 customers per week
= over $3,000.00/Month
If you got 15 customers per week
= over $100,000.00/Year
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. Business Development
“It’s better to get 1%
of a hundred people’s
efforts rather than
100% of your own.”
~ J. Paul Getty, Billionaire

37. Customer Acquisition Bonuses
Enroll a new Agent with a PPM and help them produce $399
in sales within their first 70 days.
*Monthly
Agent Team
Volume
$10,000*
$5,000* Team Vol.
$1,600*
Team Vol. Sales
Team Vol.
Field
Trainer
up to
Sr. Field
Trainer
up to
$160
$240
$60
$60
$60
$60
up to
$140
$140
$140
$140
$140
$140
Bonuses
up to
PAID
WEEKLY $60
Agent
up to
$100
Director
up to
$380
up to
$280
$280
$280
$280
$280
$280
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.
Regional
Sales
Director
up to
$430
up to
$330
$330
$330
$330
$330
$330
$330
Executive
Sales
Director
up to
$475
up to
$375
$375
$375
$375
$375
$375
$375
$375
Vice
President
up to
$500
up to
$400
$400
$400
$400
$400
$400
$400
$400
$400
Regional
VP
up to
$510
up to
$410
$410
$410
$410
$410
$410
$410
$410
$410
$520
Senior
VP, RVP,
EVP
up to
VPu
$550
up to
$420
$420
$420
$420
$420
$420
$420
$420
$420
$420
up to
$450
$450
$450
$450
$450
$450
$450
$450
$450
$450
Executive
VP
up to
Unlimited Levels
Unlimited Levels

38. About $5,000
Total
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.
Sales
Director
Field
Trainer
Agent
Agent
Field
Trainer
Agent
Agent
$220
Agent
$280 $280
Agent
Agent
$280
Agent
Agent
Agent
$220
$220 $220 $220
Agent
Agent
$220 $220
Agent
Agent
Agent
Agent
$280 $280
Agent
$220 $220
$280 $280
Field
Trainer
Agent
Theoretical Example: Team
Earnings
Agent
Agent
Agent
$220 $220
Agent
$280 $280

39. 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.

40. Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
You
People
85
85
85
85
85
5
85
85
85
85
85
25
85
85
85
85
85
125
85
85
85
85
85
625
85
85
85
85
85
3125
85
85
85
85
85
15,625
19,530
$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.

41. The FES R & R Club (Launches At 5,000 PPM)
Building Towards Rest, Relaxation, & Retirement!!!
(The Accumulation Of Personal & Team PPM – Min. 500 PPM Required)
Monthly Audi Payment
Onetime Cash Bonuses
Monthly House Payment
Monthly Retirement 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.
Upgraded Audi Payment
Additional CASH Bonuses

42. TRAINING & SUPPORT

43. Training & Support
100%
50%
25%
12%
6%
3%
You
Contacts

44. 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!

45. Training & Support
Online Training
Conference Call Training
Local Trainings
Regional Product Training
National Advanced
Training Workshops

46. MAKING A BIG DECISION
1. It’s not for me at this time, but I
certainly know some people this may
be a good fit for or who definitely can
benefit from these services.
2. I need some of the individual services
myself or it might just be best for me to
become a Protection Plan Member.
3. This makes perfect sense! I’m ready to
get started…Just show me how!

47. 4 STEPS TO GETTING STARTED

48. 4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent
You Receive:
 The Chance To Earn Free Services
 An Information Starter Packet Sent To Your Home
 A Personalized Web Site

50. 4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent – $249.00
You Receive:
 The Chance To Earn Free Services
 An Information Starter Packet Sent To Your Home
 A Personalized Website
 An Online Sales Tracking System
 Agent & Customer Support
 Weekly Pay (Direct Deposit or Debit Card)
 Tax Advantages
$199.00

51. 4 STEPS TO GETTING STARTED
Step #2 – Become A Protection Plan Member
(Protect Yourself & Your Family)
Protection Plan Membership
“This card is issued by First California Bank ("FCB") pursuant to license by MasterCard International Incorporated. MasterCard is a registered
trademark of MasterCard International Incorporated. Vista Money LLC is a registered MSP of First California Bank”.
*“The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person
who opens an account. You will be asked to provide your name, address, date of birtnd other information that will allow us to identify you. You
may also be asked to provide documentation as proof of identification. "Everyone Qualifies" and "No one is Turned Down" is contingent upon
successfully passing this mandatory identification confirmation.”
 Eligible to get your Membership FREE
 Eligible To Earn A Fast Track Bonus
 Eligible For FREE Annual Agent Renewal
$87 per month
(Includes All Services &
The Benefit Of The FES
VistaMoney Prepaid MasterCard)
Plus $30,000 In Life Insurance
 Eligible For R & R Club Benefits
 Eligible For Maximum Earnings
 Eligible For Trips, Incentives & Contests

52. 4 STEPS TO GETTING STARTED
Step # 3 – Expose People To FES
Who Do You Know...
 Has a debit card?
 Has less than perfect credit?
 Does not have a will, trust or power of attorney?
 Whose identity is unprotected?
 Who has debt and would benefit from a system to pay it off?
 In credit related industries? (Real Estate, Mortgage, Auto, Banking)
 Who is frustrated with their current career and needs a change?
 Who is looking for part-time or fulltime income?
 Wants to become financially free?

53. 4 STEPS TO GETTING STARTED
Become great at exposing while you
learn to become great at explaining.
YOU
Y
FY TE
IIF TE
ED O
ED MO
O
OM
PR
PR
ST T
RU OR
T
PP
RA
RESPECT
CONTACTS
CREDIBILITY
SFT &
Above

54. 4 STEPS TO GETTING STARTED
Step #4 – Schedule Your First Training
 Online Training
 Conference Call Training
 Local Trainings
 Regional Product Trainings
 National Advanced Trainings
 Annual Convention

55. 4 STEPS TO GETTING STARTED
Faster Pace or Slower Pace:
Choose & Get Started
•
Faster Pace – Includes Agent Enrollment,
Protection Plan Membership & FES University
Advanced Secrets of Success Training = $475
•
Slower Pace – Includes Agent Enrollment &
Protection Plan Membership = $286

56. Congratulations
And Welcome To
The FES Team!
56