Restoring Financial Balance For Life

Founded in 2004 & Debt Free Headquarters in Farmington Hills, MI. Over 50 million dollars in sales Over 200 employees World Wide

Lifestyles of Your Dreams...

People have lost Jobs Homes Saving & Investments

Today’s Realities

USA Today - U.S. households on average overspent their incomes by $575 .

25% of Americans have ZERO savings.

50% of Americans have NO retirement plan.

58% of the population do not pay their credit card balances and owe a debt of $17,000 +

• Today your credit score is like a vital sign, it’s being monitored at all times.

Credit Education!

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 RestorationAbout 80% of the population have a 599 credit score or below

• Less than excellent credit cost you up to $200,000 in interest and fees

• About 60% of employers use credit scores as a factor in determining who they will hire

• About 80% of all credit reports have errors on them causing lower credit scores and millions have watched their credit scores decline.

CREDIT REPAIR VS CREDIT RESTORATION

CREDIT REPAIR CREDIT RESTORATION

Involves the CLIENT writing letters to creditors

Require the client to provide the information they need to assist in the dispute process, which can be time consuming

and a nerve wracking experience for the client.

Credit repair companies best financial interest to draw the

process out as long as possible

Credit Repair is often successful in having some items removed,

only to have it re-report in a different reporting cycle. Thus, it is not a permanent removal of

the information

Force the credit bureaus to comply with the FCRA, by making them

produce verifiable proof they can legally report your private financial

informationIf the credit bureaus do not

remove or change an item they are in violation of federal law and subject themselves to a $1,000.00

fine for each item they report.

Deals directly with the credit bureaus

TRUE CREDIT RESTORATION

Credit Restoration: United Credit Education Services

9 year track record“A+” Rating with the BBBCertified by the National Association Of

Credit Services Organizations Removed over 600,000 derogatory

items from people’s credit reportsRemoved over 60,000 public recordsSatisfaction money back guarantee

United Credit Home Page Screen Shot

($160 activation fee + $39 first month)$39 per month thereafter - No Contract / Keep the

service 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$5,000$2,500$1,000

Will, Trust, Power of Attorney• 100% of people will die, 90% of the 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

Only$499

Up to$5000

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!

Only$99 per year

or$9 per month

PRODUCTS & SERVICES

Online Solution That Enables You To Store Financial DataIn A Single, Secure, Password-protected Location For Easy Access By You Or Your Authorized Family Member

Financial Lock Box

Credit Restoration Will & Trust Positive Credit Builder

Life Lock Debt Zero

Protection Plan Services

Credit Restoration Positive Credit

Builder Will & Living TrustLifeLockTM

Debt Zero Financial Lockbox

Become A Protection Plan Customer

Save Money

$87 month

$499.00$149.00$499.00$ 99.00$149.00$149.00

$1544.00

Our Market

We Are In Front Of The

MONEY

We have a niche Market 80% of Americans need their credit

restored (That’s Over 160+ Million Clients)

There are very few Credit Restoration Centers (Agents) in existence

Our Market doesn’t know where to go or Who to Trust !

There is no better time than

right now to build something for yourself and

your family

Become an Agent with theProtection Plan Membership

Paid Weekly Agent Starter Packet Agent & Customer Support Tax Advantages

Get Started Now $199$199

Agent $ 87 PPM

$ 286

YOUR VIRTUAL OFFICE

Your Online BUSINESS CENTER

Personalized FREE Web Site

Monthly Online Sales Tracking System

Credit Restoration Positive Credit Builder Will & Living TrustLifeLockTM

Life Insurance- $25K/50K Policy

Debt Zero Financial Lockbox Debit Card

Become An Agent with the Protection Plan Membership

Save Money

$499.00$149.00$499.00$ 99.00

Bonus Included$ 149.00$ 149.00

Bonus Included$1544.00$87 PPM 5 =

FREE

Agent Protection Plan MembershipFES VistaMoney Prepaid 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.”

• Everyone is Approved• Online Bill Pay• Direct Deposit

• Instant Card To Card Transfers

• Debt & Interest Free• Budget Your Money

• ATM/Bank Cash Withdrawals

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

• Each debit card membership automatically donates $2 each month to the YFL.

Youth Financial Literacy Foundation (YFL)

The FES Protection Plan Membership

8 Ways We Get $ Paid 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

$65Customer

$65Customer

$65Customer

As a FES PPM Members you get this

33% upfront FOR LIFE!!!*Fast Track

Bonus

$65Customer

$65Customer

$65Customer

As a FES PPM Members you get this

33% upfront FOR LIFE!!!*

Agent & FES

Protection

Plan Member

Fast Track Bonus

*1st Credit Restoration or Will and Trust sale must be made within new agent’s 1st

30 days to be eligible for CAB Bonus commission.

$165Customer

$165Customer

$165Customer

Enroll Customers and Train Agents to

do the same

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

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

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

Potential Income

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.

“It’s better to get 1% of a hundred people’s efforts

rather than 100% of your own.”~ J. Paul Getty, Billionaire

Team Building

CABCustomerAcquisition

Bonus

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100

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

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

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

Unlimited LevelsUnlimited Levels

up to

Field Trainer

$160up to

Sr. FieldTrainer

$240up to

Sales Director

$380up to

Regional Sales

Director

$430

up to$330$330$330$330$330$330$330

up to$380$380$380$380$380$380$380$380

up to

ExecutiveSales

Director

$480up to up to

$450$450$450$450$450$450$450$450$450$450

AMB

$510

up to$530up to $550

up toRegional

AMB

ExecutiveAMB

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

up to$430$430$430$430$430$430$430$430$430

Enroll a new Agent with a PPM and help them produce $399 in sales within their first 70 days.

$1,600$5,000

$10,000

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 Level Initials Initial CAB Remainder Total

Agent

Field Trainer

Senior Field Trainer

Sales DirectorRegional Sales

Director

Executive Sales Director

AmbassadorRegional

AmbassadorExecutive

Ambassador

CAB Bonus $40 $60 $100

FT $60 $100 $160

SFT $90 $150 $240

SD $140 $240 $380

RSD $160 $270 $430

ESD $177 $302 $480

$187$195$200

$322$335$350

$510$530

$550

ARAEA

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.

Relationship Marketing Produces a CAB Bonus

Customer

Field Trainer Recruits New

Agent Initial CAB Bonus

$60

New Agent makes a Credit

Restoration Sale of $499

Now

Field Trainer is Paid the

Remainder CAB

$100

Total CAB

$160

Sponsor 2 Direct AgentsMinimum 2 Legs $ 400GV per. Leg

Total Group Volume $1,600 per. Month

Relationship Marketing Produces a CAB Bonus

Customer

Sales Director Recruits New Agent

the Initial CAB Bonus

$140

New Agent makes a Credit

Restoration Sale of $499

Now

Sales Director is Paid the

Remainder CAB

$240

Total CAB

$380

Sponsor 3 Direct AgentsMinimum 3 Legs $1,000GV per. LegMinimum 3 Field TrainersTotal Monthly Group Volume

$10,000 GV

About $5,000 Total Bonuses

Theoretical Example: Team Earnings

Sales Director

Field Trainer

Field Trainer

Agent

Agent AgentAgent

Agent Agent Agent Agent

Agent Agent

AgentAgent

Agent AgentAgent Agent

Agent

Agent

Agent

Agent

Agent

Agent

$220 $220

$220

$220 $220 $220

$220

$220

$220 $220

$280 $280

$280 $280

$220

$280 $280

$280$280 $280

Field Trainer

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 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.

Commissions&

Level Overrides

Credit Wills & Trust

$499

Credit$199/

$39mon.

Life Lock$99

Multiple SaleCredit /Will

&Trust*$399

DirectLevel 1

Level 2

Level 3

Level 4

Level 5

$165.00$70/5.9

8$22.7

7$103.7

4$24.95 $2.34 $3.96 $15.96$19.96 $2.15 $2.97 $11.97

$14.97 $2.15 $1.96 $7.98

$9.98 $1.95 $0.99 $7.98

$9.98 $1.56 $0.99 $7.98*Achieve the level of ESD and higher and receive a monthly bonus on volume generated through levels 6 to infinity. .

Direct Commission- Level Overrides

*For illustration purposes only

TitleMonthly

Group VolumeMonthly Infinity

Bonus*

Sales Director

Regional Sales DirectorExecutive Sales Director

Ambassador

Regional AmbassadorExecutive Ambassador

10,000 $50.00

25,000 $187.50

50,000 $500.00

100,000 $1,500.00

250,000 $5,000.00

500,000 $12,500.00

*For illustration purposes onlyFor each Title you must meet the minimum Group Sales Volume requirement and must be active to receive these bonuses

. .

Rewards of Developing a Volume Producing Organization

ResidualIncome

DirectCustom

er PPM

Monthly*

You

25 Club

100 Club

300 Club

500 Club

Free 5 $12.75 $63.75

25 $12.75 $318.75

100 $12.75$1,275.0

0

300 $12.75$3,825.0

0

500 $12.75 $6,375.00

Residual Income- Protection Plan MembershipDirect Customers Only

*For illustration purposes only. .

Recruits PPM Commission Monthly*

YOU

Level 1

Level 2

Level 3

Level 4

Level 5

Total

You Recruit 5

5 Recruit 5 = 25 $3.40 $85.00

25 Recruit 5 = 125 $3.40 $425.00

125 Recruit 5 = 625 $3.40 $2,125.00

625 Recruit 5 = 3,125 $3.40 $10,625.00

3,125 Recruit 5 = 15,625 $2.55 +$39,843.75

$53,103.75

“5 To Win” Residual Plan

Recruits PPM Commission Monthly*

YOU

Level 1

Level 2

Level 3

Level 4

Level 5

Total

You Recruit 10

10 Recruit 10 = 100 $3.40 $340.00

100 Recruit 10 = 1,000 $3.40 $3,400.00

1,000 Recruit 10 = 10,000 $3.40 $34,000.00

10,000 Recruit 10 = 100,000 $3.40 $340,000.00

100,000 Recruit 10 = 1,000,000 $2.55

+$2,550,000.

00

$2,927,740

“10 To Win” Millionaire’s Plan

Building towards Rest, Relaxation, & Retirement!!!

The FES R & R Club

Monthly BMW Payment

Monthly Audi Payments Hi-end Luxury Car Payment

$5,000 Monthly House Payment

Monthly Matching Retirement Bonus Up To

$25,000

Annual CASH Bonus

(The Accumulation Of Personal & Team FES PPM Memberships of 500+ Required)

MAKING A BIG DECISION1. Take advantage of some

of the individual services or become a Protection

Plan Member

2. This makes perfect sense! I’m ready to get started.

Show me how!

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Welcome To The Wave Maker Marketing Group