new fes corporate_overview 2015

• Founded in 2004

• Headquartered in Farmington Hills, Michigan

• A+ Rating with the Better Business Bureau

• Over 30% consistent annual sales growth

• Debt free

• Same key executives since the company’s inception

Mike Toloff Parimal Naik

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

• 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…

• 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…

• Credit Restoration

• Positive Credit Builder

• Credit Attorney

• Smart Credit

• DebtZero

• LifeLockTM

• Financial Lockbox

• Will & Living Trust

• Travel

Exclusive Money Saving Services That Protect Your Identity, Credit, Family,

Finances, Lifestyle & Future!

Around

$400.00

Per Month



• Credit Attorney

• Smart Credit

• DebtZero

• LifeLockTM



• Travel



$87.00

Per Month



• Credit Attorney

• Smart Credit

• DebtZero

• LifeLockTM



• Travel



HOW THE SERVICES WORK

Credit Restoration• Today your credit score is like a vital sign, it’s

being monitored at all times

• More than 43 million Americans have less than a

599 credit score (Source: money.msn.com, May 2012)

• 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, October 2011)

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 Shot

CREDIT RESTORATIONUnited Credit Education Services

Over 10 year history & track record

“A+” Rating with the BBB

Removed over 800,000 derogatory

items from people’s credit reports

Removed almost 100,000 public records

Satisfaction guarantee

Tens of thousands of satisfied clients

Other Valuable Credit Building ServicesCredit Monitoring – Access to your credit,

insurance scores and credit reports 24/7. Alerts

if there is any change in your credit history or

credit scores.

Positive Credit Builder – Analysis of your

credit profile with specific recommendations on

building a positive credit rating.

Credit Attorney – Taking legal action to fix

credit reports, preventing abusive debt

collectors and suing for money damages.

“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

“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

•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

• 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

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!

• Online debt payoff system helping you pay off your debts faster

and more effectively

• Interactive budgeting tool

• Know exactly what time frame you will be out of debt

• Out of debt in nearly half the amount of time with the same

monthly payment

• Once your debts are paid, if you take the same amount of money

and invest just the amount you were paying in interest you would

have a significant amount of money set aside for retirement!

• Travel with confidence! Use your own FES custom discount travel portal

• Access to over 500 of the finest hotels and resorts in more than 90 of the

world's top vacation destinations! Packages include some of the best all-

inclusive resorts in the Caribbean and Mexico

• Custom trips that are thought of by you and carried out by a personal

specialist. Options include: Family Cruises, Group Cruises, Grand Voyages,

Destination Weddings, Luxury Vacations, African Safaris, Escorted Tours, and

more!

• Save big on Flights, Hotels, Car Rentals and Vacation Packages!

• Create a Custom Trip of a lifetime with unprecedented savings!

Additional Benefits:

• Shop online at your

favorite retailers

• Get cash back on all

your purchases

• Receive discounts

ranging from 10% to 85%

• Accepted at over 60,000

pharmacies nationwide

Discount Shopping Portal

*Up To $100,000

Life Insurance

• No Medical Exam!

• It’s FREE In Your PPM!

Insurance Solutions

* For Agents Only

• Home and Auto Insurance

• Renter’s Insurance

• Health Insurance

• Dental/Vision/Hearing

• Other Important Insurance

ProductsYou have access to experienced

insurance professionals for a no cost

consultation for all your insurance needs.* Must Meet Eligibility Requirements

• 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 $50k in 2015.

• 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”

We Get Paid 8 Different Ways1. 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

How Do We Earn Income?WE HAVE TWO DIVISIONS

• Membership Sales, Sales of

Individual Services & 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 Attorneys

Loan Modification / Debt

Settlement Companies

Additional Corporate Account Opportunities

Merchant Services Employee Payroll Deduction

Protection Plan Memberships

- Positive Trade Lines for Renters

- Add Rent Payments to Credit Reports

- Past Two Years of Rent & Ongoing

•Credit Restoration

•Will & Living Trust

•Positive Credit Builder

• LifeLockTM

•Smart Credit

•Rental Kharma

INDIVIDUAL SERVICES WE OFFER

$499.00

$499.00

$149.00

$99.00

*$14.95

*$4.95* Per Month

For each $499

Credit Restoration

sale, you can earn

$150!!!

Agent

with 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

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.



If you got 5 customers per week

= over $3,000.00/Month









= over $3,000.00/Month


= over $100,000.00/Year






“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

Agent

$100up to

AGENT

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

Enroll a new Agent with a Protection Plan Membership and

help them produce $340* in sales within their first 70 days.


Agent

$100up to

AGENT



$499

SALE




PPM

AGENT


Agent

$100up to

AGENT

$150(Direct Commission)

$100(CAB Bonus)






PPM

AGENT


Agent

$100up to

AGENT






PPM

AGENT

PPM

AGENT


Agent

$100up to



AGENT



PPM

AGENT

$36(Residual Direct

Commission)


PPM

AGENT

$100(CAB Bonus)


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**




**Monthly Agent Team Volume


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**





$499

SALE

PPM

AGENT


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**






PPM

AGENT

$160(CAB Bonus)


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**





PPM

AGENT

PPM

AGENT


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**





PPM

AGENT

PPM

AGENT

$160(CAB Bonus)

$36(Residual Direct

Commission)

PPM

AGENT


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**





$499

SALE

PPM

AGENT

PPM

AGENT

PPM

AGENT


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**






$100(CAB Bonus)

PPM

AGENT

PPM

AGENT

$60(CAB Bonus)


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**





PPM

AGENT

PPM

AGENT

PPM

AGENTPPM

AGENT


Agent

$100up to



FIELD TRAINER

1,600 Team Volume**





$100(CAB Bonus)

PPM

AGENT

PPM

AGENT

PPM

AGENTPPM

AGENT

$60(CAB Bonus)

$36(Residual Direct

Commission)


Agent

$100up to



SENIOR FIELD TRAINER

5,000 Team Volume**






Agent

$100up to







PPM

AGENT

PPM

AGENT


5,000 Team Volume**

$499

SALE


Agent

$100up to







PPM

AGENT

PPM

AGENT


5,000 Team Volume**

$480(Total CAB Bonus)


$240(Each CAB Bonus)

$36(Residual Direct

Commission)


Agent

$100up to







PPM

AGENT

PPM

AGENT

PPM

AGENTPPM

AGENT


5,000 Team Volume**

$499

SALE


Agent

$100up to







$100(CAB Bonus)

PPM

AGENT

PPM

AGENT

PPM

AGENTPPM

AGENT


5,000 Team Volume**


$100(CAB Bonus)$280

(Total CAB Bonus)

$36(Residual Direct

Commission)


Agent

$100up to



SALES DIRECTOR

10,000 Team Volume**






Agent

$100up to







PPM

AGENT

PPM

AGENT

SALES DIRECTOR


$499

SALE


Agent

$100up to







PPM

AGENT

PPM

AGENT

SALES DIRECTOR



$380(Each CAB Bonus)

$760(Total CAB Bonus)

$36(Residual Direct

Commission)


Agent

$100up to







PPM

AGENT

PPM

AGENT

PPM

AGENTPPM

AGENT

SALES DIRECTOR


$499

SALE


Agent

$100up to







$100(CAB Bonus)

PPM

AGENT

PPM

AGENT

PPM

AGENTPPM

AGENT

SALES DIRECTOR



$100(CAB Bonus)$560

(Total CAB Bonus)

$36(Residual Direct

Commission)

Additional Positions From

Regional Sales Director to Senior

Executive Vice President

$550

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

In this Theoretical ExampleIf 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.



If you did this once a week


Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees






If you did this once a week


What if you did this

twice a week = ??? Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees




You

Theoretical Residual Income Example:

The POWER of the Protection Plan Membership

You



People

5

You



People

5

25

You



People

5

25

125

You



People

5

25

125

625

You



People

5

25

125

625

3125

You



People

5

25

125

625

3125

15,625

19,530

You



People

5

25

125

625

3125

15,625

19,530

$75,000/mo





You



People

5

25

125

625

3125

15,625

19,530

$75,000/mo

$7,500/mo





You



People

5

25

125

625

3125

15,625

19,530

$75,000/mo

$7,500/mo

$750/moFinancial Education Services, Inc., and any of their affiliate companies make(s) no




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

Up To $600 Monthly Audi Payment Onetime $10K, $25K & 50K

Cash BonusesUp 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!

• Online Training

• Conference Call Training

• Local Trainings

• Regional Product Training

• Regional “Secrets of Success” Trainings

• National Advanced Leadership Workshops

Training & Support

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.

By Becoming An Agent And Getting 5 PP Customers You’ll:

Get All Of The Services For Free

Be 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!”

MAKING A BIG DECISION

Protection That Pays!

YOU





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 just need a

game plan on how to get started!

4 STEPS TO GETTING STARTED

Option A – Slow Business Builder: $286$199 Enrollment + $87 Protection Plan Membership

Focus:

Acquiring Customers

Getting Services for Free

Building a Team of Agents

Up to $100K in Life Insurance

Supplemental Income

4 STEPS TO GETTING STARTEDStep #1 - Enroll & Become an Agent

Option B – Pro Business Builder: $475$199 + $87 + $189 Secrets of Success Training

Focus: Acquiring Customers

Getting Services for Free

Up to $100K in Life Insurance

Earning a Significant Income & Financial Freedom

Building a Substantial Team of Agents

R&R Club Membership

4 STEPS TO GETTING STARTEDStep #1 - Enroll & Become an Agent

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

How to Establish Corporate Accounts

How to Develop Credit Restoration Customers

How to Sell Protection Plan Memberships

How to Recruit a 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

The Right Mindset and Attitude for Success With FES

Much More!

LEARN FROM TOP PRODUCERS

HOW TO BE A TOP PRODUCER!


Once You Are Enrolled You Receive:

The Chance To Earn Free Services

An Online New Agent Starter Kit

A Personalized Web Site


Once You Are Enrolled 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

Tax Advantages


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 R & R Club Benefits

Eligible For Maximum Earnings

Eligible For Trips, Incentives & Contests

Other Special Opportunities


Step # 3 – Expose People To FESDevelop 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 traveling and would love significant discounts?

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?


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

EDIFY &

PROMOTE


CONTACTS

YOU

FES Experts

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


Just A Quick RecapDecide which category is the best fit for you:

# 1 – Not interested but can provide some referrals

# 2 – Become a PPM or get individual services

# 3 – Become an Agent and secure a solid financial future

• Option A – Slow Business Builder - $286

• Option B – Pro Business Builder - $475

99

Congratulations And Welcome

To The FES Team!