See the new version here http://www.slideshare.net/us111472/new-fes-corporateoverview-2015 . http://www.video.credit-help.us. Financial Education Services helps you restore your life. Restore your credit.

2. • 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 (Source: CNNMoney)
• Only 18% know they are on track to reach their income goal in retirement (Source: Forbes)
• 65% have no will, 82% have no trust & 71% have no power of attorney (Source: Lawyers.com, 2009)
• 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)
TodayToday’s Realities’s Realities

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

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

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

6. 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
FINANCIAL
EDUCATION
SERVICES

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

8. PRODUCTS & SERVICESPRODUCTS & 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(Source: money.msn.com, May
2012)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)(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. 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
Credit Bureaus…Credit Bureaus…

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 ShotUnited 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. ““In just two months, my credit score increasedIn just two months, my credit score increased
to the point that my car insurance premiumto the point that my car insurance premium
was lowered by $2,000 per year!”was lowered by $2,000 per year!”
Documentation:Documentation:
~ Yvette Reid, Cherry Hill, NJ~ Yvette Reid, Cherry Hill, NJ
““The real estate collapse forced me intoThe real estate collapse forced me into
a short sale which was sure to damagea short sale which was sure to damage
my credit, but it was deleted from mymy credit, but it was deleted from my
credit report in the first 30 days”credit report in the first 30 days”
~ Bill Shook, Atlanta~ Bill Shook, Atlanta
GAGA
Individual Results May Vary.. Testimonials Given By Independent Agents Of FES

18. ““ After having our bankruptcy removed, weAfter having our bankruptcy removed, we
were able to purchase a home with a low,were able to purchase a home with a low,
fixed interest rate, which saved usfixed interest rate, which saved us
almost$1,000 per month.”almost$1,000 per month.”
~ Johnny and Sandra Moler, Dallas, TX~ Johnny and Sandra Moler, Dallas, TX
Documentation:Documentation:Individual Results May Vary. Testimonials Given By Independent Agents Of FES.
““While buying my wife a car, I was informed I hadWhile buying my wife a car, I was informed I had
a 620 credit score. After just 60 days my scorea 620 credit score. After just 60 days my score
increased to a 799 and I got a much better interestincreased to a 799 and I got a much better interest
rate."rate."
~ Chuck Matthews, Detroit, MI~ Chuck Matthews, Detroit, MI

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

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

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. $499.00$499.00
$499.00$499.00
$149.00$149.00
$149.00$149.00
$149.00$149.00
$99.00$99.00
$1,544.00$1,544.00
• Credit RestorationCredit Restoration
• Will & Living TrustWill & Living Trust
• Positive Credit BuilderPositive Credit Builder
• DebtZeroDebtZero
• Financial LockboxFinancial Lockbox
• LifeLockLifeLockTMTM
What Would It Be Worth To
Protect Your Family?
Up ToUp To
$10,000$10,000
Or More!Or More!

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

26. Protection Plan MembershipProtection Plan Membership
Includes The FES VistaMoneyIncludes The FES VistaMoney
Prepaid MasterCardPrepaid MasterCard
“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.”
The FES VistaMoney
Prepaid MasterCard is
available only to Independent
Sales Representatives of
Financial Education Services
on the FES Protection Plan.

27. • Online Bill Pay
• Direct Deposit
• Instant Card To Card Transfers
• Debt & Interest Free
• Budget Your Money
• ATM/Bank Cash Withdrawals
Debit Card Benefits: Everyone’s Approved*
“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. • Educates young people from agesEducates young people from ages
8 to 18 on the matters of personal8 to 18 on the matters of personal
finance.finance.
• Each Protection Plan membershipEach Protection Plan membership
automatically donates $2 eachautomatically donates $2 each
month to the YFL.month to the YFL.
Youth Financial Literacy Foundation (YFL)Youth Financial Literacy Foundation (YFL)
Protection Plan MembershipProtection Plan Membership

29. CAREER OPPORTUNITYCAREER OPPORTUNITY

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

31. Welcome ToWelcome To
Hybrid Marketing…Hybrid Marketing…
“Where Corporate“Where Corporate
America MeetsAmerica Meets
Entrepreneurship”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. For each $499
Credit Restoration
sale, you can earn
$150!!!
Agent
with a
Protection
Plan
Sales Commissions
*Fast Track Bonus - 1st
sale must be made
within new Agent’s 1st
30 days.
$150$150
Customer
$150$150
Customer
$150$150
Customer

35. If you only got 1 customer perIf you only got 1 customer per
week = $600.00/Monthweek = $600.00/Month
If you got 5 customers per weekIf you got 5 customers per week
= over $3,000.00/Month= over $3,000.00/Month
If you got 15 customers per weekIf you got 15 customers per week
= over $100,000.00/Year= over $100,000.00/Year
Theoretical Example:Theoretical Example:
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level ofFinancial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of
financial success an Independent Agent can achieve.financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will depend uponAll examples are purely theoretical for explanation purposes only. All income you receive will depend upon
your individual effort and ability.your individual effort and ability.

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

37. Customer Acquisition BonusesCustomer Acquisition Bonuses
Bonuses
PAID
WEEKLY
Agent
$100
up to
$140
$140
$140
$140
$140
$140
up to
$280
$280
$280
$280
$280
$280
Unlimited LevelsUnlimited Levels
up to
Field
Trainer
$160
up to
Sr. Field
Trainer
$240
up to
Sales
Director
$380
up to
Enroll a new Agent with a PPM and help them produce $399
in sales within their first 70 days.
$1,600*
Team Vol.
$5,000*
Team Vol.
$10,000*
Team Vol.
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.
*Monthly
Agent Team
Volume 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

38. About $5,000About $5,000
TotalTotal
BonusesBonuses
Theoretical Example: TeamTheoretical Example: Team
EarningsEarnings
SalesSales
DirectorDirector
FieldField
TrainerTrainer
FieldField
TrainerTrainer
AgentAgent
AgentAgent AgentAgentAgentAgent
AgentAgent AgentAgent AgentAgent AgentAgent
AgentAgent AgentAgent
AgentAgentAgentAgent
AgentAgent AgentAgent
AgentAgent AgentAgent
AgentAgent
AgentAgent
AgentAgent
AgentAgent
AgentAgent
AgentAgent
$220 $220
$220
$220 $220 $220
$220
$220
$220 $220
$280 $280
$280 $280
$220
$280 $280
$280$280 $280
FieldField
TrainerTrainer
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. In this Theoretical ExampleIn this Theoretical Example
If you did this once a monthIf you did this once a month
= about $5,000.00/Month= about $5,000.00/Month
If you did this once a weekIf you did this once a week
= about $20,000.00/Month= about $20,000.00/Month
What if you did thisWhat if you did this
twice a week = ???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. 85 85 85 85 85
85 85 85 85 85
85 85 85 85 85
85 85 85 85 85
85 85 85 85 85
Theoretical Residual Income Example:Theoretical Residual Income Example:
The POWER of the Protection Plan MembershipThe POWER of the Protection Plan Membership
85 85 85 85 85
You
PeoplePeople
55
2525
125125
625625
31253125
15,62515,625
19,53019,530
$75,000/mo$75,000/mo
$7,500/mo$7,500/mo
$750/mo$750/mo
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to theFinancial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the
level of financial success an Independent Agent can achieve.level of financial success an Independent Agent can achieve.
All examples are purely theoretical for explanation purposes only. All income you receive will dependAll examples are purely theoretical for explanation purposes only. All income you receive will depend
upon your individual effort and ability.upon your individual effort and ability.

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

42. TRAINING & SUPPORTTRAINING & 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 & SupportTraining & Support
National AdvancedNational Advanced
Training WorkshopsTraining Workshops
Local TrainingsLocal Trainings
Conference Call TrainingConference Call Training
Online TrainingOnline Training
Regional Product TrainingRegional Product Training

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

47. 4 STEPS TO GETTING STARTED4 STEPS TO GETTING STARTED

48. Step #1 - Enroll & Become an AgentStep #1 - Enroll & Become an Agent
You Receive:You Receive:
 The Chance To Earn Free ServicesThe Chance To Earn Free Services
 An Information Starter Packet Sent To Your HomeAn Information Starter Packet Sent To Your Home
 A Personalized Web SiteA Personalized Web Site
4 STEPS TO GETTING STARTED4 STEPS TO GETTING STARTED

50. Step #1 - Enroll & Become an Agent –Step #1 - Enroll & Become an Agent –
You Receive:You Receive:
 The Chance To Earn Free ServicesThe Chance To Earn Free Services
 An Information Starter Packet Sent To Your HomeAn Information Starter Packet Sent To Your Home
 A Personalized WebsiteA Personalized Website
 An Online Sales Tracking SystemAn Online Sales Tracking System
 Agent & Customer SupportAgent & Customer Support
 Weekly PayWeekly Pay (Direct Deposit or Debit Card)(Direct Deposit or Debit Card)
 Tax AdvantagesTax Advantages
$199.00$199.00
$249.00$249.00
4 STEPS TO GETTING STARTED4 STEPS TO GETTING STARTED

51. Step #2 – Become A Protection Plan MemberStep #2 – Become A Protection Plan Member
(Protect Yourself & Your Family)(Protect Yourself & Your Family)
Protection Plan MembershipProtection Plan Membership
$87 per month$87 per month
(Includes All Services &(Includes All Services &
The Benefit Of The FESThe Benefit Of The FES
VistaMoney Prepaid MasterCard)VistaMoney Prepaid MasterCard)
 Eligible to get your Membership FREEEligible to get your Membership FREE
 Eligible To Earn A Fast Track BonusEligible To Earn A Fast Track Bonus
 Eligible For FREE Annual Agent RenewalEligible For FREE Annual Agent Renewal
 Eligible For R & R Club BenefitsEligible For R & R Club Benefits
 Eligible For Maximum EarningsEligible For Maximum Earnings
 Eligible For Trips, Incentives & ContestsEligible For Trips, Incentives & Contests
4 STEPS TO GETTING STARTED4 STEPS TO GETTING STARTED
“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.”
Plus $30,000 In Life Insurance

52. 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?
4 STEPS TO GETTING STARTED

53. Become great at exposing while you
learn to become great at explaining.
YOU
CONTACTS
SFT &
Above
TRUST
TRUST
EDIFY
EDIFY
PROMOTE
PROMOTE
RESPECTRESPECT
CREDIBILITYCREDIBILITY
RAPPORT
RAPPORT
4 STEPS TO GETTING STARTED

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

55. Faster PaceFaster Pace oror Slower PaceSlower Pace::
Choose & Get StartedChoose & Get Started
• Faster PaceFaster Pace – Includes Agent Enrollment,– Includes Agent Enrollment,
Protection Plan Membership & FES UniversityProtection Plan Membership & FES University
Advanced Secrets of Success Training = $475Advanced Secrets of Success Training = $475
• Slower PaceSlower Pace – Includes Agent Enrollment &– Includes Agent Enrollment &
Protection Plan Membership = $286Protection Plan Membership = $286
4 STEPS TO GETTING STARTED4 STEPS TO GETTING STARTED

56. 56
CongratulationsCongratulations
And Welcome ToAnd Welcome To
The FES Team!The FES Team!