BUSINESS PRESENTATION

What Do We Do? Identity Credit Family Finances Future

How Many People Are Affected By These Economic Times?

How many people are susceptible to identity theft because they do not have identity theft protection?

How many people have less than perfect credit?

How Many People Are Affected By These Economic Times?

How many people are leaving their families unprotected by not having a living trust, a will and a power of attorney over their financial and medical matters?

How many people have more debt than they want, but just don’t know how to get it paid off?

So How Did All Of This Happen?

A Lack of Financial

Education!

THE COMPANY

Provides: The education we needed a long time ago Products and services to protect your

identity, credit, family, finances and future An opportunity for financial security

FINANCIAL EDUCATION SERVICES

Founded in 2004Headquarters in Farmington Hills, MichiganOver 50 million dollars in salesDebt freeAlmost 200 employees worldwide

FINANCIAL EDUCATION SERVICES

Mike Toloff Parimal Naik

PRODUCTS & SERVICES

Credit Restoration

PRODUCTS & SERVICES

The Protection Plan

Credit Restoration: United Credit Education Services

6 year track recordTop Rating with the BBBServed over 150,000 clients Removed almost 500,000 derogatory

items from people’s credit reportsRemoved over 50,000 public recordsSatisfaction money back guarantee

Significant amounts of derogatory items removed from people’s credit reports enabling them to refinance their homes and cars and reduce their interest rates by up to 15%.

Bankruptcies and other public record items removed allowing credit scores to increase well over 100 points.

Late payments corrected to report paid as agreed. Credit scores increasing from the low 500’s and 600’s to the

700’s and 800’s in a matter of months. Individuals who have been originally declined for home, car

and other loans are getting approved within several months.

Documentation:

Other credit restoration services charge thousands of dollars, and this doesn’t even include the educational resources and coaching that’s included, nor do they have the documentation!

What Would It Be Worth To Have Excellent

Credit?

It’s only $499

Multiple dynamic products - one low fee of $87 per month!

You Get:Comprehensive analysis of

your credit profile.Personalized

recommendations and action plan to build and maintain good credit.

An Education Library & Resource Center POSITIVE

Credit Builder

PROTECTION PLAN

You Get: A Last Will, Living Trust

and a Financial & Health Care Power of Attorney

Unlimited changes and revisions

Electronically stored data

Will & Trust

PROTECTION PLAN

You Get: The most effective and

efficient user friendly debt payoff software program that creates a personal budget to:

Pay off debt fast Save you thousands Build up cash reserves

PROTECTION PLAN

FES DebtZero

You get: IdentityAlert$1 million service

guarantee Peace of mind that

your identity is secured

PROTECTION PLAN

Educates young people from ages 8 to 18 on the matters of personal finance.

Each member automatically donates $2 each month to the YFL

PROTECTION PLANYouth Financial Literacy Foundation (YFL)

INCOME OPPORTUNITY

Income Opportunity TWO DIVISIONS

1. Retail Sales And Developing Corporate Accounts

2. Business Development: Recruit, Train & Manage A Sales Organization

How We Get Paid…

Personal Sales Commissions

Training BonusesLevel Overrides

After your 3rd sale, your

personal sales commissions go up to 33%

on all your future personal

sales

$165

$165

$165

Customer

Customer

Agent

Customer

Retail Sales Commissions

If you only got 1 customer per week = over $650.00/Month

If you got 5 customers per week = over $3,300.00/Month

If you got 15 customers per week = over $10,000.00/Month

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.

Team Building Example

$120

Agent

Field Trainer

Senior Field

Trainer

Sales Director

Agent Agent Agent Agent

$200 $300$65

1,600 5,000 10,000

Over $4,000 Total Bonuses

Theoretical Example: Team Earnings

Sales Director

Field Trainer

Field Trainer

Field Trainer

Agent

Agent AgentAgent

Agent Agent Agent Agent

Agent Agent

AgentAgent

Agent AgentAgent Agent

Agent

Agent

Agent

Agent

Agent

Field Trainer

$188 $188

$188

$188 $188 $188

$188

$192

$188 $188

$192 $192

$188 $188

$192

$243 $243

$247$247 $247

In this Theoretical ExampleIf you did this once a month

= over $4,000.00/Month

If you did this once a week = over $16,000.00/Month

If you did this twice a week = over $32,000.00/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.

Theoretical Example: Protection PlanResidual Income Potential

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

85 85 85 85 85

YouPeople

5

25

125

625

3125

15,625

19,530

Total = Total = $75,000/moTotal = $7,500/mo

Total = $750/mo $75,000/moTotal = $7,500/moTotal = $750/mo

Total = $75,000/moTotal = $7,500/moTotal = $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.

Residual Earnings

Personal Sales Commissions Training BonusesLevel Overrides

$

TIME

Short Term vs. Long Term

TRAINING & SUPPORT

FES UNIVERSITYHailed by world renowned speaker Les Brown, as one of the bestAuthor of “Things That Make You Go HMMM”Co-authored “Discover Your Inner Strength” with best selling authors

Steven Covey, Brian Tracy & Ken Blanchard20 year track record of documented personal success in Network MarketingDeveloped, managed and trained sales organizations with revenues

exceeding 100 million dollarsFounded the concept of Pure EdgeUtainment

Gregg Amerman

Gregg AmermanJoe LockeFrenita Amerman Tony SwiantekKari Michaelsen

100%

Training & Support100%

50%25%

12%

6%3%You

Contacts

FES University

This Means Two Things!1. It doesn’t matter who invited you

to take a look at the business 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!

MAKING A DECISION

1. I want to improve my credit and/or protect my family and I’d be glad to provide some referrals.

2. I want to get more information and get some questions answered about getting the service and becoming an agent.

3. I’m ready to make some money! Show me how!

3 Kinds Of People

4 Steps To Getting Started

Step #1 - Enroll & Become an Agent – You Get: Discounts on services Information package delivered to your home Personalized Web site FREE monthly online sales tracking system Agent support service Paid weekly & monthly Tax advantages

$199.00

4 STEPS TO GETTING STARTED

$50 Rebate

Step #2 – Become a Customer: What Do You Need?

Credit Restoration

The Protection Plan

- $499 $399

- $87

NO ONE PERSON NEEDS TO BELIEVE MORE THAN YOU!

4 STEPS TO GETTING STARTED

Step #3 – Become A ReferrerWho Do You Know: Has less than perfect credit? Does not have a will and living trust? Whose identity is unprotected? Would like a system on how to pay off their debt? Could use some extra income? Wants to become financially free?

4 STEPS TO GETTING STARTED

Step #4 – Become TrainedOnline TrainingConference CallsBasic TrainingsAdvanced Trainings

4 STEPS TO GETTING STARTED