Credit Repair SD by

• 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 Realitiess Realities

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 to Have debt and no idea how to

pay it off?pay it off?

Think About It…How Many People Do Think About It…How Many People Do Not Have Their Personal & Financial Not Have Their Personal & Financial

Affairs In Order?Affairs In Order?

• Do not have life insurance?Do not have life insurance?• Do not have all of their important Do not have all of their important

personal and financial personal and financial information organized and easily information organized and easily available for loved ones in case available for loved ones in case of an emergency? of an emergency? • Do not have a will, trust and Do not have a will, trust and

power of attorney leaving their power of attorney leaving their family totally unprotectedfamily totally unprotected??

Should People Have These Should People Have These Things?Things?

Why DonWhy Don’’t They?t They?A Lack of A Lack of Financial Financial

Education!Education!

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

• 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

PRODUCTS & SERVICESPRODUCTS & SERVICES

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)

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

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…

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

United Credit Home Page Screen ShotUnited Credit Home Page Screen Shot

Credit Restoration: United Credit Education Services

10 year track record“A+” Rating with the BBBRemoved over 600,000 derogatory

items from people’s credit reportsRemoved over 60,000 public recordsSatisfaction guaranteeThousands of satisfied clients

““In just two months, my credit score increased In just two months, my credit score increased to the point that my car insurance premium to the point that my car insurance premium was lowered by $2,000 per year!was lowered by $2,000 per year!””

DocumentatioDocumentation:n:

~ Yvette Reid, Cherry Hill, NJ~ Yvette Reid, Cherry Hill, NJ

““The real estate collapse forced me into The real estate collapse forced me into a short sale which was sure to damage a short sale which was sure to damage my credit, but it was deleted from my my credit, but it was deleted from my credit report in the first 30 dayscredit report in the first 30 days””

~ Bill Shook, Atlanta ~ Bill Shook, Atlanta GAGA

Individual Results May Vary.. Testimonials Given By Independent Agents Of FES

““ After having our bankruptcy removed, we After 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 us fixed 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

DocumentatioDocumentation:n: Individual Results May Vary. Testimonials Given By Independent Agents Of FES.

““While buying my wife a car, I was informed I had While buying my wife a car, I was informed I had a 620 credit score. After just 60 days my score a 620 credit score. After just 60 days my score increased to a 799 and I got a much better interest increased to a 799 and I got a much better interest rate."rate." ~ Chuck Matthews, Detroit, MI~ Chuck Matthews, Detroit, MI

““I had a tax lien on my credit report for years I had a tax lien on my credit report for years that was damaging my credit score and it was that 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 from I had 14 derogatory accounts removed from my credit file, including 3 repossessions my 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 a allowing 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

DocumentatioDocumentation:n: Individual Results May Vary. Testimonials Given By Independent Agents Of FES

($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

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

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!

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 youmoney and helping you put money away for the future.

$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 To Up To $10,000$10,000Or More!Or More!

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)

Protection Plan MembershipProtection Plan MembershipIncludes 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.

• 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*


*“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.

• Educates young people from ages Educates young people from ages 8 to 18 on the matters of personal 8 to 18 on the matters of personal finance.finance.• Each Protection Plan membership Each Protection Plan membership

automatically donates $2 each automatically donates $2 each month to the YFL.month to the YFL.

Youth Financial Literacy Foundation (YFL)Youth Financial Literacy Foundation (YFL)

Protection Plan Protection Plan Membership Membership

CAREER OPPORTUNITYCAREER OPPORTUNITY

Do You Currently Control…•Your income?

•Your schedule?

•Your advancement?

•Your benefits?

•Your retirement?

Take Control Of Your Career And Future

Welcome To Welcome To Hybrid Marketing…Hybrid Marketing…““Where Corporate Where Corporate

America Meets America Meets EntrepreneurshipEntrepreneurship””

How Do We Earn Income? WE HAVE TWO DIVISIONS

•Sales And Developing Corporate Accounts

•Business Development: Recruit, Train & Manage A Nationwide Sales Organization

We Get Paid 8 Different Ways1. Personal Sales Commissions / Fast Track Bonus2. Customer Acquisition Bonuses3. Level Overrides4. Field Training Bonuses5. Senior Field Training Bonuses 6. Infinity Bonuses7. Generational Overrides8. Global Profit Sharing Pool

For each $499 Credit Restoration sale, you can earn

$150!!!

Agentwith a

Protection Plan

Sales Commissions

*Fast Track Bonus - 1st sale must be made

within new Agent’s 1st 30 days.

$150$150Customer

$150$150Customer

$150$150Customer

If you only got 1 customer per If you only got 1 customer per week = $600.00/Monthweek = $600.00/Month

If you got 5 customers per week If you got 5 customers per week = over $3,000.00/Month= over $3,000.00/Month

If you got 15 customers per week If 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 of 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. financial success an Independent Agent can achieve.

All examples are purely theoretical for explanation purposes only. All income you receive will depend upon All 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.

““ItIt’’s better to get 1% s better to get 1% of a hundred peopleof a hundred people’’s s

efforts rather than efforts rather than 100% of your own.100% of your own.””

~ J. Paul Getty, Billionaire~ J. Paul Getty, Billionaire

Business DevelopmentBusiness Development

Customer Acquisition BonusesCustomer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100

up to $140$140$140$140$140$140

up to$280$280$280$280$280$280

Unlimited Levels

up to

Field Trainer

$160up to

Sr. FieldTrainer

$240up to

Sales Director

$380up 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

ExecutiveSales

Director

$475up to

up to$420$420$420$420$420$420$420$420$420$420

Vice President

$500up to

$510up to $520

up toRegional

VP

ExecutiveVP

up to$400$400$400$400$400$400$400$400$400

up to$410$410$410$410$410$410$410$410$410

SeniorVP, RVP,

EVP

VPu$550up to

up to$450$450$450$450$450$450$450$450$450$450

up to$60$60$60$60$60

About $5,000 About $5,000 Total BonusesTotal Bonuses

Theoretical Example: Team Theoretical Example: Team EarningsEarnings

Sales Sales DirectorDirector

Field Field TrainerTrainer


AgentAgent

AgentAgent AgentAgentAgentAgent

AgentAgent AgentAgent AgentAgent AgentAgent

AgentAgent AgentAgent

AgentAgentAgentAgent

AgentAgent AgentAgentAgentAgent 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


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.

In this Theoretical ExampleIn this Theoretical ExampleIf you did this once a month If you did this once a month

= about $5,000.00/Month= about $5,000.00/Month

If you did this once a week If you did this once a week = about $20,000.00/Month= about $20,000.00/Month

What if you did this What 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.

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

15,62515,62519,53019,530

$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 the 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. level of financial success an Independent Agent can achieve.

All examples are purely theoretical for explanation purposes only. All income you receive will depend All 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.

Building Towards Rest, Relaxation, & Retirement!!!Building Towards Rest, Relaxation, & Retirement!!!The FES R & R Club The 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.

TRAINING & SUPPORTTRAINING & SUPPORT

Training & Support100%50%25%12%6%3%You

Contacts

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!

Training & SupportTraining & Support

National Advanced National Advanced Training WorkshopsTraining Workshops

Local TrainingsLocal TrainingsConference Call TrainingConference Call TrainingOnline TrainingOnline Training

Regional Product TrainingRegional Product Training

MAKING A BIG DECISIONMAKING A BIG DECISION1.1. ItIt’’s not for me at this time, but I s not for me at this time, but I

certainly know some people this may certainly know some people this may be a good fit for or who definitely can be a good fit for or who definitely can benefit from these services.benefit from these services.

2.2. I need some of the individual services I need some of the individual services myself or it might just be best for me to myself 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!

4 STEPS TO GETTING STARTED4 STEPS TO GETTING STARTED

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 Web SiteA Personalized Web Site


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 Pay Weekly Pay (Direct Deposit or Debit Card)(Direct Deposit or Debit Card)

Tax AdvantagesTax Advantages

$199.00$199.00

$249.00$249.00


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 FES The 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



*“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

Step # 3 – Expose People To FESWho 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

Become great at exposing while you learn to become great at explaining.

YOU

CONTACTSSFT &Above

TRUSTTRUST EDIFY

EDIFYPROMOTE

PROMOTE

RESPECTRESPECTCREDIBILITYCREDIBILITY

RAPPORT

RAPPORT


Step #4 – Schedule Your First Training Online Training Conference Call Training Local Trainings Regional Product Trainings National Advanced Trainings Annual Convention


Faster PaceFaster Pace or or Slower PaceSlower Pace: : Choose & Get StartedChoose & Get Started

• Faster PaceFaster Pace – Includes Agent Enrollment, – Includes Agent Enrollment, Protection Plan Membership & FES University Protection 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


56

Congratulations Congratulations And Welcome To And Welcome To The FES Team!The FES Team!