today's realities, "think about it . . . what would it be worth?

• 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)

Today’s Realities

• Have less than perfect credit?• Don’t protect their identity?• Have debt and no idea how to

pay it off?• Don’t have life insurance?

Think About It…How Many People…

• Don’t have their personal and financial information organized and easily available for loved ones to find when necessary?

• Don’t have a will, trust and power of attorney leaving their family totally unprotected?

• Just don’t have their personal & financial affairs in order?

Should People Have These Things?

Why Don’t They?

A Lack of Financial

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 & 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 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)

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…

You Can Restore Your ScoreThe 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 Shot

Credit Restoration: United Credit Education Services

Over a 10 year track record“A+” Rating with the BBBRemoved over 700,000 derogatory

items from people’s credit reportsRemoved over 75,000 public recordsSatisfaction guaranteeThousands of satisfied clients

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

Documentation:

~ Yvette Reid, Cherry Hill, NJ

Individual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES

“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

“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

Documentation:

“When I logged into my web portal I saw that 90% of the negative items on my 3 credit reports were deleted. My credit reports haven’t been this clean in decades!” ~ Jay Hicks, Orlando FL

Individual 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

Documentation:

“The results have been amazing! My credit score has gone up 120 points and we were able to get a new car at 1.9% interest. The program works! Don't put it off!" ~ Mike & Laurel Schrader- San Diego, CA

Individual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES

($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

• 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?

Will, Trust, Power of Attorney

Will, Trust, Power of Attorney

• 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

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.

• Credit Restoration• Will & Living Trust• Positive Credit Builder• DebtZero• Financial Lockbox• LifeLockTM

What Would It Be Worth To Protect Your Family?

Up To $10,000Or More!

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

$1,544.00

• Credit Restoration• Will & Living Trust• Positive Credit Builder• DebtZero• Financial Lockbox• LifeLockTM

What Would It Be Worth To Protect Your Family?

FES Protection Plan Membership Gives You All Of

Our Services At One Low Fee…$87.00 Per Month

Learn How To Get All Of These

Services Every Month For FREE!

$30,000 Life Insurance

Additional Benefits: (Agent with Protection Plan Only)

“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.”

VistaMoneyTM Prepaid MasterCard

• 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 February 2014.• Each Protection Plan Membership Donates

$2 Each Month To The YFL.

Youth Financial Literacy Foundation (YFL)

CAREER OPPORTUNITY

How Many People Today Control Their… Income? Schedule? Advancement?

Benefits? Retirement & Future?

Welcome To Hybrid Marketing…“Where Corporate

America Meets Entrepreneurship”

How Do We Earn Income? WE HAVE TWO DIVISIONS• Sales And Developing

Corporate Accounts

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

Corporate Accounts

Industries that require credit worthy clients and/or have clients with damaged credit.

Real Estate AgentsCar DealershipsMortgage Brokers

Tax ProfessionalsBankruptcy AttorneysLoan Modification / Debt

Settlement Companies

Corporate Accounts / Merchant Services

What Businesses Do You Know Accept Credit Cards?

Corporate Accounts / Merchant Services

It’s As Simple As 1,2,3;1. You Refer2. We Close3. You Get Paid

Our Presentation: If we can’t meet or beat your current deal, we’ll give you a $200 MasterCard Gift Card.

Corporate Accounts

Employee Payroll Deduction Protection Plan Membership Program

$47 / Choice of Two Protection Plan Services

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.

$150Customer

$150Customer

$150Customer

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

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

If you got 15 customers per week = over $100,000.00/Year

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.

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

efforts rather than 100% of your own.”

~ J. Paul Getty, Billionaire

Business Development

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

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

AGENT

$150(Direct Commission)

$150(Direct Commission)

$150 (Direct Commission)

$100AGENT

AGENT

AGENT

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$300 TOTAL CAB Bonus

$100+$100

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

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

$150(Direct Commission)

$150(Direct Commission)

$150 (Direct Commission)

$160AGENT

AGENT

AGENT

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$480 TOTAL CAB Bonus

$160+$160Field Trainer

$160up to

$1,600* Team Vol.

FIELD TRAINER

1,600* TEAM VOLUME

*Monthly Agent Team Volume

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

Field Trainer

$160up to

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

$1,600* Team Vol.

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

FIELD TRAINER

$100(CAB Bonus)

$100(CAB Bonus)

$100 (CAB Bonus)

$60AGENT

AGENT

AGENT1,600*

TEAM VOLUME

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$150(Direct commission)

$150(Direct Commission)

$150 (Direct Commission)

AGENT

AGENT

AGENT

*Monthly Agent Team Volume $180 TOTAL CAB Bonus

$60+$60

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

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

$150(Direct Commission)

$150(Direct Commission)

$150 (Direct Commission)

$240AGENT

AGENT

AGENT

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$720 TOTAL CAB Bonus

$240+$240Field Trainer

$160up to

$1,600* Team Vol.

Sr. FieldTrainer

$240up to

$5,000* Team Vol.

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

SENIORFIELD

TRAINER5,000*

TEAM VOLUME

*Monthly Agent Team Volume

$140+$140

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

Field Trainer

$160up to

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

$1,600* Team Vol.

$100(CAB Bonus)

$100(CAB Bonus)

$100 (CAB Bonus)

$140AGENT

AGENT

AGENT

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$150(Direct commission)

$150(Direct Commission)

$150 (Direct Commission)

AGENT

AGENT

AGENT

*Monthly Agent Team Volume $420 TOTAL CAB Bonus

Sr. FieldTrainer

$240up to

$5,000* Team Vol.

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

SENIORFIELD

TRAINER5,000*

TEAM VOLUME

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

$380+$380

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

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

$150(Direct Commission)

$150(Direct Commission)

$150 (Direct Commission)

$380AGENT

AGENT

AGENT

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$1140 TOTAL CAB Bonus

Field Trainer

$160up to

$1,600* Team Vol.

Sr. FieldTrainer

$240up to

$5,000* Team Vol.

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

SALES DIRECTOR

10,000* TEAM VOLUME

Sales Director

$380up to

$10,000* Team Vol.

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

*Monthly Agent Team Volume

$280+$280

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100up to

Field Trainer

$160up to

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

$1,600* Team Vol.

$100(CAB Bonus)

$100(CAB Bonus)

$100 (CAB Bonus)

$280AGENT

AGENT

AGENT

(CAB 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.

$499 SALE

$499 SALE

$499 SALE

$150(Direct commission)

$150(Direct Commission)

$150 (Direct Commission)

AGENT

AGENT

AGENT

*Monthly Agent Team Volume $840 TOTAL CAB Bonus

Sr. FieldTrainer

$240up to

$5,000* Team Vol.

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

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

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

Sales Director

$380up to

$10,000* Team Vol.

SALES DIRECTOR

10,000* TEAM VOLUME

Customer Acquisition Bonuses

BonusesPAID

WEEKLYAgent

$100

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

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.

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

*Monthly Agent Team Volume

FIELD TRAINER

$280

$280

$280

$280

$220

$220

FIELD TRAINER

AGENT

About $5,000 Total 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

In this Theoretical ExampleIf 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.

You

Theoretical Residual Income Example:The POWER of the Protection Plan Membership

People

5

25

125

625

3125

15,62519,530

$75,000/mo$7,500/mo$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.

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

Up To $600 Monthly Audi Payment Onetime $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.

TRAINING & 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 & Support• Online Training• Conference Call Training• Local Trainings• Regional Product Training• National Advanced Training

Workshops

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

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

2. I need some of the individual services myself or it might just be best for me to become a Protection Plan Member.

3. This makes perfect sense! I’m ready to get started…Just show me how!

4 STEPS TO GETTING STARTED

Step #1 - Enroll & Become an Agent You Receive: The Chance To Earn Free Services An Online New Agent Starter Kit A Personalized Web Site

4 STEPS TO GETTING STARTED

Step #1 - Enroll & Become an Agent – You Receive: The Chance To Earn Free Services An Online New Agent Starter Kit A Personalized Website An Online Sales Tracking System Agent & Customer Support Weekly Pay (Direct Deposit or Debit Card)

Tax Advantages

$199.00(Annual Renewal Fee Waived)

$249.00

4 STEPS TO GETTING STARTED

(Annual RenewalFee $99.00)

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 Eligible To Earn A Fast Track Bonus Eligible For FREE Annual Agent Renewal FES VistaMoney Prepaid MasterCard Subscription to FES the Magazine

Eligible For R & R Club Benefits Eligible For Maximum Earnings Eligible For Trips, Incentives & Contests $30,000 In Life Insurance Merchant Services Earnings

4 STEPS TO GETTING STARTED

Step # 3 – Build Your AgencyDevelop 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? In credit related industries? (Real Estate, Mortgage, Auto, Banking) That has a business that accepts credit cards? 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

Expose People To Financial Education Services“Become great at exposing while you learn to become great at explaining.”

TRUSTRAPPORT

EDIFY &PROMOTE

RESPECT

CREDIBILITY

4 STEPS TO GETTING STARTED

CONTACTS

YOU

FES Experts

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

Slower Pace:Agent EnrollmentProtection Plan Membership

$199.00 $87.00$286.00

4 STEPS TO GETTING STARTEDChoose The Slower or Faster Pace

Faster Pace:Agent EnrollmentProtection Plan MembershipFES University Advanced

Secrets of Success Training

$199.00$87.00

$189.00$475.00

4 STEPS TO GETTING STARTED

FES University Secrets of SuccessWhat You And Your Team Will Learn:

4 STEPS TO GETTING STARTED

How to Establish Corporate Accounts How to Develop Credit Restoration Customers How to Help Businesses Save Money on Their Credit Card Processing How to Build a Nationwide Organization How to Understand and Maximize the Compensation Plan How to Build a Long-Term Residual Income The Right Mindset and Attitude for Success With FES Much More!

Learn From Top Producers How To Be A Top Producer!

Faster Pace:Agent EnrollmentProtection Plan MembershipFES University Advanced

Secrets of Success Training

$199.00$87.00

$189.00$475.00

4 STEPS TO GETTING STARTED

72

Congratulations And Welcome To The FES Team!