1. BUSINESS PRESENTATION

2. How Many People Are Affected By These Economic Times? How many people have less than perfect credit? How many people have more debt than they want, but just don’t know how to get it paid off?

3. 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 are susceptible to identity theft because they do not have identity theft protection?

4. How Many People Are Affected By These Economic Times? How many people would be better off today if they had been properly educated on the matters of credit, finances and family protection during their formal school years? How important do you think it is for someone to protect their identity, credit, family, finances and future?

5. More financial challenges for people than in any recent time in history More jobs have been lost More homes have been lost More savings & investments have been lost

7. Those who carry credit card debt have an average balance of $17,103

8. Those carrying $20,000 or more are likely to miss payments and see interest rates skyrocket and credit scores plummet

10. So How Did All Of This Happen? A Lack of Financial Education!

11. THE COMPANY

12. FINANCIAL EDUCATION SERVICES 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

13. FINANCIAL EDUCATION SERVICES Mike ToloffParimalNaik Founded in 2004 Headquarters in Farmington Hills, Michigan Over 50 million dollars in sales Debt free Almost 200 employees worldwide

14. PRODUCTS & SERVICES

15. PRODUCTS & SERVICES Credit Restoration The Protection Plan

16. WHAT IS A GOOD CREDIT SCORE? Believe it or not, most people don’t know!

18. Today, a 750 or above is the ideal score to provide the best benefits

19. The national average credit score is a 680

20. Only 13% of the US population is above an 800

21. 15% of the US population is under a 550

25. Credit Restoration: United Credit Education Services 6 year track record Top Rating with the BBB Served over 150,000 clients Removed almost 500,000 derogatory items from people’s credit reports Removed over 50,000 public records Satisfaction money back guarantee

26. Documentation: 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.

27. What Would It Be Worth To Have Excellent Credit? 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! It’s only $499

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

29. PROTECTION PLAN Did you know most people don’t have credit and financial experts answering their questions and educating them on how to maintain a positive credit score? Did you know that nearly 80% of all credit reports have errors and most people do not have ongoing credit analysis to keep their credit profile accurate? POSITIVE Credit Builder

30. PROTECTION PLAN You Get: Comprehensive analysis of the positive and negative items impacting your credit. A personalized action plan to improve your credit file. Customized recommendations to build and maintain good credit. An Education Library, Resource Center and mortgage, college fund and insurance calculators. The option to dispute inaccurate accounts. POSITIVE Credit Builder

31. PROTECTION PLAN Did you know most people do NOT have a Will, Living Trust or a Power of Attorney over their financial and medical matters? Do you want some strange government official making critical decisions about who will care for your children or what happens to your finances, property or other assets? Do you want your family to fight over your personal possessions or to be burdened with your estate? Will & Trust

32. PROTECTION PLAN You Get: A Last Will, Living Trust and a Financial & Health Care Power of Attorney Unlimited changes and revisions Electronically stored data Peace of mind in case of an unexpected circumstance Will & Trust

33. PROTECTION PLAN How many people have high debt and low savings? How many people are overwhelmed by their monthly payments? How many people have no budgeting plan to pay off their debt? How many people don’t know a way to simultaneously pay off their debt while building their savings? FESDebtZero

34. PROTECTION PLAN You Get: The most effective and efficient user friendly debt payoff software program available today Mathematical algorithms that create a professional budget to adhere to: Pay off debt fast Save thousands Increase savings while creating extra discretionary income FESDebtZero

35. PROTECTION PLAN Did you know that identity theft is the fastest growing crime in the country? Did you know that someone’s identity is stolen every 3 seconds? Did you know that stolen identities can be misused up to 30 times? A stolen identity can cost years of time and thousands of dollars to restore.

37. $1 million service guarantee

38. WalletLock

40. Awards scholarships

43. Stock market crash

44. People losing savings and retirement

45. Equity in people’s home evaporating

46. Unemployment at all time high

48. There is no better time than right now to build something for yourself and your family

49. (1) Now is the time to build a business for yourself and gain financial control… (2) The fortunes to be made will not come from physical distribution, but from intellectual distribution. ~ Paul Zane Pilzer World Renowned Economist

50. How We Get Paid… Personal Sales Commissions Customer Acquisition Bonuses Training Bonuses Level Overrides Monthly Infinity Bonuses Generational Bonuses Global Profit Sharing Pool

51. Personal Sales Commissions Begin sharing the products with others and you start earning up to 13% personal sales commissions on your first 3 sales Customer $65 Customer $65 Agent Customer $65

52. Personal Sales Commissions After your 3rd sale, your personal sales commissions go up to 33% on all your future personal sales Customer $165 Customer $165 Agent Customer $165

53. In this Theoretical Example: If you got 5 customers per week = over $3,300.00/Month If you got 3 customers per week = over $1,950.00/Month If you only got 1 customer per week = over $650.00/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.

54. Team Building “It’s better to get 1% of a hundred people’s efforts rather than 100% of your own.” ~ J. Paul Getty, Billionaire

55. Team Earnings You: $1600* Field Trainer Agent Personal Sales CAB Level 1 Override Level 2 Override Up to 33% $50 4-5% Up to 33% Up to $75 4-5% 3-4% Agent: $400* Agent: $400* * In (1) Volume Month As a certified Field Trainer you earn up to a 10% Field Training bonus on any Agent’s first 3 sales NOT under another certified Field Trainer in your organization.

56. Team Earnings As a Senior Field Trainer you earn up to a 10% Sr. Field Training Bonus on the first 3 sales under a qualified Field Trainer in your organization. As a Senior Field Trainer you also earn up to a 20% Sr. Field Training Bonus on any Agent’s first 3 sales NOT under a certified Field Trainer in your organization Sales Director Sr. Field Trainer You: 5,000* You: 10,000* Agent: 500* Agent: 500* Agent: 500* Agent: 1,000* Agent: 1,000* Agent: 1,000* Up to 33% Up to $225 4-5% 3-4% 2-4% 2-4% 2-3% Personal Sales CAB Level 1 Override Level 2 Override Level 3 Override Level 4 Override Level 5 Override Up to 33% Up to $125 4-5% 3-4% 2-4% 2-4% * In (1) Volume Month * In (1) Volume Month Help develop at least (2) Field Trainers in your organization Help develop at least (4) Field Trainers in your organization

57. Theoretical Example As a certified Sales Director, you would earn about $350 every time you personally enroll an Agent who makes their first sale at $499 Agent/ Customer $350 Agent/ Customer $350 Sales Director Agent/ Customer $350

58. In this Theoretical Example If you got 5 Agents per week = about $7,000.00/Month If you got 3 Agents per week = about $4,200.00/Month If you got 1 Agent per week = about $1,400.00/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.

59. Theoretical Example: Team Earnings Sales Director $3125 CAB Field Trainer Agent Field Trainer Field Trainer Agent Agent Agent Agent Agent Agent $150 Field Trainer $175 $175 $175 $150 $150 Agent Agent Agent Agent Agent Agent Agent Agent Agent Agent $150 $150 $150 $150 $150 $150 $175 $175 $150 $150 Agent Agent Agent Agent $150 $150 $150 $150

60. Theoretical Example: Team Earnings $750 Sr. Field Training Bonus Sales Director Field Trainer Agent Field Trainer Field Trainer Agent Agent Agent Agent Agent Agent $30 Field Trainer $60 $60 $60 $30 $30 Agent Agent Agent Agent Agent Agent Agent Agent Agent Agent $30 $30 $30 $30 $30 $30 $60 $60 $30 $30 Agent Agent Agent Agent $30 $30 $30 $30

61. Theoretical Example: Team Earnings $84 2nd Level Override Sales Director $104 3rd Level Override $188 Total Field Trainer Agent Field Trainer Field Trainer Agent Agent Agent Agent Agent Agent $12 Field Trainer $12 $12 $12 $12 $12 Agent Agent Agent Agent Agent Agent Agent Agent Agent Agent $12 $8 $8 $8 $8 $8 $8 $8 $8 $8 Agent Agent Agent Agent $8 $8 $8 $8

62. Theoretical Example: Team Earnings $3125.00 $750.00 $84.00 $104.00 $4063.00 Customer Acquisition Bonus Sr. Field Training Bonus 2nd Level Override 3rd Level Override Total Bonuses 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.

63. In this Theoretical Example If you did this once a month = about $4,063.00/Month If you did this once a week = about $16,252.00/Month If you did this twice a week = about $32,504.00/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.

64. Theoretical Example: Protection PlanResidual Income Potential You People 5 25 125 625 3125 15,625 19,530 Volume = $425 = $2,125 = $10,625 = $53,125 = $265,625 = $1,328,125 $1,650,050 Income x $3.40 = $17 x $3.40 = $85 x $3.40 = $425 x $3.40 = $2,125 x $2.55 = $7,968 x $2.55 = $39,843 $50,463/mo 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

65. Theoretical Example: Protection Plan As an Executive Ambassador , if you were earning at least a 1.5% Infinity Bonus, that would add an extra $24,750 per month. Total = $75,000/mo Total = $7,500/mo Total = $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.

66. Short Term vs. Long Term $ Residual Earnings, Profit sharing Personal Sales Commissions, Customer Acquisition Bonus, Training Bonuses TIME

67. TRAINING & SUPPORT

68. Training & Support 100% 100% In this example, if we used 50% then we can see how fast the information breaks down Scientists have proven that people only retain 7-10% of what they hear at any one time! 50% 25% 12% 6% FES University 3% You Contacts

69. This Means Two Things! 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. You can plug people that you know into the system and they might go out and do better than you!

70. FES UNIVERSITY Gregg Amerman Hailed by world renowned speaker Les Brown as one of the best Author of “Things That Make You Go HMMM” Co-authored “Discover Your Inner Strength” with best selling authors Steven Covey, Brian Tracy & Ken Blanchard 20 year track record of documented personal success in Network Marketing Developed, managed and trained sales organizations with revenues exceeding $100 million Founded the concept of Pure EdgeUtainment Frenita Amerman Tony Swiantek Kari Michaelsen Joe Locke Gregg Amerman

71. WHAT YOU’LL LEARN HOW TO PROTECT YOUR IDENTITY, CREDIT, FAMILY, FINANCES & FUTURE THE POWER OF PERSONAL GROWTH AND SELF DEVELOPMENT THE SPECIFIC SKILLS REQUIRED TO BUILD A SUCCESSFUL FES BUSINESS HOW TO ACHIEVE SUCCESS IN ALL AREAS OF YOUR LIFE!!!

72. MAKING A DECISION 3 Kinds Of People Not the right time for the business, but interested in the service and will be glad to provide a referral. Interested in becoming an Agent and using the service, but wants more information and details and has some questions. Ready to start immediately! Just show me how!

73. 4 Steps To Getting Started

75. Information package delivered to your home

76. Personalized Web site

77. FREE monthly online sales tracking system

78. Agent support service

79. Paid weekly & monthly

80. Tax advantages$249.00 Instant or Cash Rebate of $50.00 $199.00

83. 4 STEPS TO GETTING STARTED Step #2 - Be a believer – What do you need? Credit Restoration The Protection Plan - $499 $399 - $87 NO ONE PERSON NEEDS TO BELIEVE MORE THAN YOU!

85. Does not have a will and living trust?

86. Whose identity is unprotected?

87. Would like a system on how to pay off their debt?

88. Could use some extra income?

89. Wants to become financially free?MAKE A LIST – DON’T PREJUDGE!!!

90. 4 STEPS TO GETTING STARTED Become great at inviting while you learn to become great at explaining. YOU EDIFY PROMOTE TRUST RAPPORT CONTACTS EXPERT RESPECT CREDIBILITY

92. Conference Calls

93. Basic Trainings

94. Advanced Trainings