GetYourCreditStraight.com, an Independent Representative of Financial Education Services, presents the FES Corporate Overview. Financial Education Services aka FES, is a leader in credit repair, has been in business over 12 years, and has an A+ rating with the Better Business Bureau. The FES Protection Plan, its flagship product, consists of 13 services including but not limited to credit repair, credit monitoring, LifeLock identity theft protection, will preparation, debt reduction plan, and so much more all for less than $3 a day. Learn how the FES Protection protects your family, finances, and future. I am a firm believer in this company and the FES Protection Plan. FES has helped me to get my credit score from 587 to 720 in just 60 days. Contact me for more information, to purchase the plan for yourself or to learn more about becoming an agent with Financial Education Services. I can be reached at 469-251-0076 or visit me online at www.GetYourCreditStraight.com.

2. • About 43 million people have a 599 credit score or lower (Source: money.msn.com)
• Nearly half of Americans don't know their credit score(Source: Huffington Post Money)
• Average debt is over $225,000 with many having less than $500 in savings (Source: Investorplace)
• 49% have no retirement and only 18% know they're on track to reach their income
goals for retirement (Source: CNNMoney / Forbes)
• 65% have no will, 82% have no trust & 71% have no power of attorney (Source: Lawyers.com)
• Over $58 billion in unclaimed life insurance policies, bank accounts, pensions, stocks,
other assets and property (Source: CNN Money)
• Every 2 seconds an identity is stolen (Source: Javelin Strategy & Research)
The State Of America's Personal & Financial Affairs

3. What Is The Primary Reason?
A Lack of
Financial
Education!

4. We Provide:
• Financial education we needed a long time ago
• Financial solutions with services that protect your
identity, credit, family, finances, lifestyle and future
• Lucrative and promising career 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. • Have less than perfect credit?
• Have debt and no idea how to
pay it off?
• Don’t have their personal &
financial affairs in order?
• Don’t have life insurance?
Why FES?
Think About It…How Many People…

7. • Can’t even afford an
annual vacation?
• Need to make additional
income?
• Just want a solution and
plan of action?
Why FES?
Think About It…How Many People…

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

9. What's In Your Protection Plan Membership?

10. Credit Restoration
• 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)

11. 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

12. United Credit Home Page Screen Shot

14. CREDIT RESTORATION
United Credit Education Services
 Proven results & track record since 2004
 “A+” Rating with the BBB
 Removed over 875,000 derogatory
items from people’s credit reports
 Removed over 100,000 public records
 Tens of thousands of satisfied clients
 100% Satisfaction guarantee

15. Other Valuable Credit Building Services
Positive Credit Builder – A complete understanding
of what can affect your credit score along with
specific recommendations on building a positive
credit rating. Recommendations for adding positive
tradelines to your credit profile if necessary.
DebtZero – Interactive online debt payoff system and
budgeting tool providing you specific directions on
paying off debts faster and more effectively utilizing
your current income. Paying debts down will add
extremely valuable points to your credit score while
freeing you from the stress and pressure of carrying
unwanted debt.

16. Other Valuable Credit Building Services
Credit Attorney – Taking legal action to fix
credit reports, preventing abusive debt
collectors and suing for money damages. Feel
at ease knowing you have a defense team on
your side.
.
Credit Monitoring – Access to your credit and
insurance scores and credit reports 24/7.
Personal alerts if there is any change in your
credit history or credit scores. This is vital for
building, maintaining and securing an excellent
credit rating.

17. “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

18. “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

19. Identity Theft Protection
• Why would you risk losing your excellent credit rating and good
name?
• Over 15 million Americans have their identity stolen each year
totaling $50 billion in losses
• LifeLock® is patrolling the web at all times for the illegal selling or
trading of your personal information and watches over and protects
your identity
• Up to a $1 MILLION service guarantee!

20. •The majority of people have no will, trust or power of
attorney. What will happen to your children, property, or
other assets? If you can’t make decisions for yourself, who
will know your wishes?
•Will the appropriate people know where to find all of your
personal and financial documents & information?
Will, Trust, POA & Financial Lockbox

21. • A program developed by attorneys to complete at your own
pace from the comfort of your home
• Update as needed with no add-ons or surprise fees
• Secure all your important information in this virtual password-
protected safety deposit box
• Easy to use services with client support available
Will, Trust, POA & Financial Lockbox

22. Additional Benefits:
• Shop online at your
favorite retailers using
the exact same store
websites.
• Get cash back on all
your purchases!
Discount Shopping Portal
•Travel with confidence! Use
your own FES discount travel
portal.
•Custom trips that are thought of
by you and carried out by a
travel specialist. Save big on
Vacation Packages!

23. Additional Benefits:
• Receive discounts ranging
from 10% to 85%.
• You know the price before
you leave the house.
• Accepted at over 60,000
pharmacies nationwide.
Discount Shopping Portal
• Insurance Solutions - You have
access to experienced insurance
professionals for a no cost
consultation for all your insurance
needs.
*Up To $100,000 In Life Insurance
• No Medical Exam!
• It’s FREE In Your PPM!
* For Agents Only Who Meet Eligibility Requirements

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

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

27. 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 Gave
Away $25k in 2014, $50k in 2015 & $100k in 2016.

28. CAREER OPPORTUNITY

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

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

31. We Earn Income & Benefits Several Ways
- Personal Sales Commissions
- Team Building Bonuses
- Management Bonuses
- Residual Income
- Lifestyle Benefit Program
- Trips, Rewards & Cash Incentives

32. 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

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

34. Additional Corporate Account Opportunities
Refer Businesses
For A Free Analysis
Of Their Merchant
Services To Save
Up To 20% On
Rates & Fees
Employee Payroll
Deduction
Offering Protection
Plan Memberships
To Companies &
Large Organizations
Add Apartment Or
House Rental
Payments As A
Positive Tradeline
To Credit Reports

35. For each Protection
Plan customer, you
can earn $12 per
month!!!
Agent
with a
Protection
Plan
Personal Sales Commissions
*Fast Track Bonus – 3
PPC made within new
Agent’s 1st 30 days.
$100 + $12 per month!!!
$12
Customer
$12
Customer
$12
Customer

36. 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.
Residual Monthly Income
2 PP customers per week
= around $200 per month
5 PP customers per week
= around $1,500/after month 6
15 PP customers per week
= over $100,000/after year 1

37. SERVICES CAN BE SOLD INDIVIDUALLY

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

39. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
*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.
AGENT
PPM
AGENT
$100 CAB + Residual

40. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
*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.
PPM
AGENT
FIELD TRAINER
1,600 Team Volume**
$160 CAB + Residual

41. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
*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.
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$240 CAB + Residual

42. Customer Acquisition Bonuses
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
*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.
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$380 CAB + Residual

43. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
**Monthly Agent Team Volume
PPM
AGENT
FIELD TRAINER
1,600 Team Volume**
PPM
AGENT
$100 CAB + Residual$60 CAB + Residual

44. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
**Monthly Agent Team Volume
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
PPM
AGENT
$100 CAB + Residual$140 CAB + Residual

45. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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.
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
**Monthly Agent Team Volume
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
PPM
AGENT
$100 CAB + Residual$280 CAB + Residual

46. Additional Positions From
Regional Sales Director to Senior
Executive Vice President
$550

47. 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

48. 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.

49. 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.

50. 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.

51. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People / Direct Commission
5 Customers x $12 = $60
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.

52. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People / Level Override
5 Agents x $3 = $15
25 x $3 = $75
125 x $3 = $375
625 x $3 = $1,875
3125 x $2.50 = $7,812
15,625 x $2.25 = $35,156
19,530 PPM = $45,233
$75,000/mo
$7,500/mo
$750/mo
*Plus Infinity 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.

53. Building Towards Rest, Relaxation, & Retirement!!!
The FES R & R Club
Up To $600 Monthly Audi Payment One-time $10K, $25K & 50K
Cash Bonuses
Up To $1,500 Monthly 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.

54. 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.

55. TRAINING & SUPPORT

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

57. 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!

58. • Online Training
• Conference Call Training
• Local Trainings
• Regional Product Training
• Regional “Secrets of Success” Trainings
• National Advanced Leadership Workshops
Training & Support

59. Level Of Interest
No interest at this time, but I certainly know
some people this may be a good fit for or
who definitely can benefit from these
services.

60. Level Of Interest
No interest at this time, but I certainly know
some people this may be a good fit for or
who definitely can benefit from these
services.
Interested in the Protection Plan
Membership.

61. By Becoming An Agent (Preferred/Referral Customer)
And Getting 5 PP Customers You’ll:
 Get All Of The Services For Free
 Eligible For Up To $100K In Life Ins
 Earn Over $700 Per Year
“SOMETHING TO CONSIDER”
“So basically, the company is paying you over $700
per year to utilize the power of the Protection Plan
and to have up to $100K in life insurance!”
Level Of Interest
Protection That Pays!
YOU

62. Level Of Interest
No interest at this time, but I certainly know
some people this may be a good fit for or
who definitely can benefit from these
services.
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!

63. 4 STEPS TO GETTING STARTED

64. Option A – Slow Business Builder: $286
$199 Enrollment + $87 Protection Plan Membership
Focus:
 Acquiring Customers
 Getting Services for Free
 Building a Small Team of Agents
 Having Up to $100K in Life Insurance
 Supplemental Income
4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent

65. Option B – Pro Business Builder: $475
$199 + $87 + $189 Secrets of Success Training
Focus:
 Acquiring Customers
 Getting Services for Free
 Having Up to $100K in Life Insurance
 Earning Significant Income, Transitioning Careers,
Retirement & Financial Freedom
 Building a Substantial Team of Agents
 R&R Club Membership
4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent

66. FES University Secrets of Success
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

67. Once You Are Enrolled You Receive:
 A Personal Welcome From The Company
 A Personalized Web Site
4 STEPS TO GETTING STARTED

69. Once You Are Enrolled You Receive:
 A Personal Welcome From The Company
 An Online New Agent Starter Kit
 A Personalized Website
 An Online Sales Tracking System
 Agent & Customer Support
 Weekly Pay
 Tax Advantages
4 STEPS TO GETTING STARTED

70. Step #2 – Become A Protection Plan Member
(Protect Yourself & Your Family)
Benefits of a Protection Plan Membership
$87 per month (Includes All Services & Benefits)
 Eligible to get your Membership FREE
 Up To $100,000 In Life Insurance
 Eligible To Earn A Fast Track Bonus
 Eligible For FREE Annual Agent Renewal
 Eligible For Medallion & R&R Club Benefits
 Eligible For Maximum Earnings
 Eligible For Trips, Incentives & Contests
 Other Special Opportunities
4 STEPS TO GETTING STARTED

71. 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?
 Whose identity is unprotected?
 Who has debt and would benefit from a system to pay it off?
 Who enjoys saving money and receiving discounts?
 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 full-time income?
 Wants to become financially free?
4 STEPS TO GETTING STARTED

72. 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

73. Step #4 – Schedule Your First Training And
Complete Your New Agent Checklist
 Online Training
 Conference Call Training
 Local Trainings
 Regional Product Trainings
 Regional Secrets of Success Trainings
 National Advanced Trainings
 Annual Convention
4 STEPS TO GETTING STARTED

74. 74
A Quick Recap
Decide which category is the best fit for you:
- No interest at this time but can provide some referrals
- Interested in a PPM or an individual service
- Interested in being an Agent and a solid financial future
• Option A – Slow Business Builder - $286
• Option B – Pro Business Builder - $475
Congratulations And Welcome
To The FES Team!