This document discusses personal finance issues facing many Americans and introduces Financial Education Services (FES) as a solution. Key points include: - Most Americans are in debt and unprepared for retirement. Many lack basic financial documents like wills or powers of attorney. - FES provides financial education, credit restoration, identity protection, and other services to help people get their finances in order. - The company has been in business since 2004 and offers lucrative career opportunities as an independent agent to sell its products and services and build a sales organization. Agents can earn commissions and bonuses in multiple ways.

2. Today’s Realities
• Toughest financial era since the Great Depression
• Average US debt close to $20,000 excluding mortgages
• 25% of Americans have no savings / 50% have no retirement
• 86% have no idea if they are on track to retire
• 90% have no will, trust, or power of attorney
• Every 3 seconds an identity is stolen
• Over 43 million people have a 599 credit score or lower

3. Think About It…How Many People Do Not Have
Their Personal & Financial Affairs In Order?
How many people…
• Have less than perfect credit?
• Do not protect their identity?
• Have debt and no idea how to
pay it off?

4. • Do not have life insurance?
• Do not have all of their important
personal and financial
information organized and easily
available for loved ones in case
of an emergency?
• Do not have a will, trust and
power of attorney leaving their
family totally unprotected?

5. Should People Have These Things?
Why Don’t They?
A Lack of
Financial
Education!

6. FINANCIAL
EDUCATION
We Provide: SERVICES
• 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

7. Mike Toloff Parimal Naik
• Founded in 2004
• Headquartered in Farmington Hills, Michigan
• Over 50 million dollars in sales
• Debt free
• Same key executives since the company’s
inception

8. PRODUCTS & SERVICES

9. 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
• Over the course of your lifetime
less than excellent credit could
cost you from $200,000 up to
1 million dollars in interest and
additional fees

10. Credit Restoration
• About 43% 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
• Over the past decade millions of
Americans have watched their credit
scores rapidly decline because of
tough economic times

11. United Credit Home Page Screen Shot

12. Credit Bureaus…
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

13. 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

16. Credit Restoration:
United Credit Education Services
9 year track record
“A+” Rating with the BBB
Certified by the National Association Of
Credit Services Organizations
Removed almost 600,000 derogatory
items from people’s credit reports
Removed over 60,000 public records
Satisfaction money back guarantee

17. Documentation:
Individual Results May Vary.. Testimonials Given By Independent Agents Of FES
“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
“The real estate collapse forced me into
a short sale which was sure to damage
my credit, but it was deleted from my
credit report in the first 30 days”
~ Bill Shook, Atlanta
GA

18. Documentation:Individual Results May Vary. Testimonials Given By 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 and Sandra Moler, Dallas, TX
“While buying my wife a car, I was informed I had
a 620 credit score. After just 60 days my score
increased to a 799 and I got a much better interest
rate."
~ Chuck Matthews, Detroit, MI

19. Documentation:Individual Results May Vary. Testimonials Given By Independent Agents Of FES
“I had a tax lien on my credit report for years
that was damaging my credit score and it was
removed from my credit report in 30 days!"
~ Lilly Ortiz, Atlanta, GA
“ I had 14 derogatory accounts removed from
my credit file, including 3 repossessions
and my credit score jumped up significantly,
allowing me to purchase a BMW 740i and a
new home for my family!”
~Lenny Downie, Phoenix, AZ

20. What Would It Be Worth To
Have Excellent Credit?
One Year Service = $499
Monthly Option = $199 / 1st Month
($160 activation fee + $39 first month)
$39 per month thereafter - No Contract / Keep the
service until you reach your desired credit score

21. 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 $499
• Easy to use and client support available

22. 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!

23. 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 in half the time.
• Up to $50,000 in Life Insurance (Agent with Protection Plan Only)

24. Protection Plan Membership
Includes The FES 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.”

25. Debit Card Benefits: Everyone’s Approved
• Online Bill Pay
• Direct Deposit
• Instant Card To Card Transfers
• Debt & Interest Free
• Budget Your Money
• ATM/Bank Cash Withdrawals
• Loyalty Reward Program “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
(In The Future)
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.”

26. What Would It Be Worth To
Protect Your Family?
• Credit Restoration $499.00
• Will & Living Trust
• Positive Credit Builder
Up To
$499.00
$149.00
• DebtZero
• Financial Lockbox $10,000
$149.00
$149.00
• LifeLockTM
• Debit Card Or More!
$99.00
$29.95
• Life Insurance Agents Only
$1,573.95

27. Membership To GetYou Of These Products
Learn How Gives All All Of Our Products
AtFor $74.00Fee Of $87 Per Month!
One Low Per Month or FREE!
“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”.

28. Protection Plan Membership
Youth Financial Literacy Foundation (YFL)
• Educates young people from ages
8 to 18 on the matters of personal
finance.
• Each Protection Plan membership
automatically donates $2 each
month to the YFL.

29. CAREER OPPORTUNITY

30. Take Control Of Your Career And Future
Do You Currently Control…
•Your income?
•Your schedule?
•Your advancement?
•Your benefits?
•Your retirement?

31. Welcome To FES…
“Where Corporate
America Meets
Entrepreneurship”!

32. How Do We Earn Income?
WE HAVE TWO DIVISIONS
•Sales And Developing
Corporate Accounts
•Business Development: Recruit,
Train & Manage A Nationwide
Sales Organization

33. We Get Paid 8 Different Ways
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

34. Sales Commissions
Customer
$165 For each $499 Credit
Restoration/MyCare
Plan sale, you earn
Customer
$165!!!*
$165 *1st sale must be made within new Agent’s 1st 30 days.
Agent
with a
Protection Customer
$165
Plan

35. Theoretical Example:
If you only got 1 customer per
week = over $650.00/Month
If you got 5 customers per week
= over $3,300.00/Month
If you got 15 customers per week
= over $10,000.00/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.

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

37. Customer Acquisition Bonuses
Enroll a new Agent with a PPM and help them produce $399 Executive
in sales within their first 70 days. Regional AMB
Executive AMB AMB up to
$10,000 Regional Sales up to
Director up to $550
$5,000 Sales
Sales
up to $530
$1,600 Director $510 up to
Sr. Field Director up to
Field $480 $450
Trainer up to up to
Trainer up to $430 up to
up to $380 up to $430 $450
$240 $410
up to $380 $430 $450
$160 $410
Bonuses up to up to $330 $380 $430 $450
$410
PAID up to $140 $280 $330 $380 $430 $450
$410
$60 $140 $280 $330 $380 $430 $450
WEEKLY $410
$60 $140 $280 $330 $380 $410 $430 $450
Agent $280
$60 $140 $330 $380 $410 $430 $450
up to $60 $140 $280 $330 $380 $410 $430 $450
$100 $60 $140 $280 $330 $380 $410 $430 $450
Unlimited Levels
Unlimited Levels

38. About $5,000 Sales
Total Director
Bonuses
Field
Trainer
Agent Agent
Field Agent Agent Agent Agent
Agent Agent
Trainer
$220 $280 $280 $280 Field $280 $280
Agent Trainer
Agent Agent Agent Agent Agent Agent Agent
$220 Agent Agent
$220 $220 $220 $220 $220 $280 $280 $280 $280
Agent Agent Agent Agent
$220 $220 $220 $220
Theoretical Example: Team
Earnings

39. In this Theoretical Example
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.

40. Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
You People
85 85 85 85 85 5
85 85 85 85 85 25 “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
85 85 85 85 85 125 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.”
$75,000/mo
85 85 85 85 85 625
$7,500/mo
85 85 85 85 85 3125 $750/mo
Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the
85 85 85 85 85 15,625 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.
19,530

41. The FES R & R Club (Launches At 5,000 PPM)
Building Towards Rest, Relaxation, & Retirement!!!
(The Accumulation Of Personal & Team PPM – Min. 500 PPM Required)
$600 Monthly Audi Payment 10K, 25K & 50K Upgraded To $1,500 Audi Payment
Onetime Cash Bonuses
$5,000 Monthly House Payment Up To $25,000 Monthly Up To $3 Million per year
Retirement Bonus CASH Bonus

42. TRAINING & SUPPORT

43. Training & Support
100%
50%
25%
12%
6%
3%
You
Contacts
43

44. 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!

45. Training & Support
Online Training
Conference Call Training
Local Trainings
Regional Product Training
National Advanced
Training Workshops

46. MAKING A BIG DECISION
1. It’s not for me but I definitely
know some people who can
use these services.
2. I’d like to take advantage of
some of the individual services
or become a Protection Plan
Member.
3. This makes perfect sense! I’m
ready to get started. Show me
how!

47. 4 STEPS TO GETTING STARTED

48. 4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent
You Receive:
 Discounts On Services Or Free Services
 Information Starter Packet Delivered To Your Home
 Personalized Web Site

50. 4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent – $249.00
You Receive:
 Discounts On Services Or Free Services
 Information Starter Packet Delivered To Your Home
 Personalized Web Site
 Online Sales Tracking System
 Agent & Customer Support
 Paid Weekly $199.00
 Tax Advantages

51. 4 STEPS TO GETTING STARTED
Step #2 – Become A Protection Plan Member
(Protect Yourself & Your Family)
Protection Plan Membership
$87 per month
(Includes All Services &
FES 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 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.”
 Eligible to get your Membership FREE  Eligible For R & R Club Benefits
 Eligible To Earn A Fast Track Bonus  Eligible For Maximum Earnings
 Eligible For FREE Annual Agent Renewal  Eligible For Trips, Incentives & Contests

52. 4 STEPS TO GETTING STARTED
Step # 3 – Expose People To FES
Who 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)
 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?

53. 4 STEPS TO GETTING STARTED
Become great at exposing while you
learn to become great at explaining.
YOU
ST T
RU OR
ED MO
ED O
PR
PR
T
IIF TE
FY TE
PP
OM
O
Y
RA
CONTACTS RESPECT EXPERT
CREDIBILITY

54. 4 STEPS TO GETTING STARTED
Step #4 – Schedule Your First Training
 Online Training
 Conference Call Training
 Local Trainings
 Regional Product Trainings
 National Advanced Trainings
 Annual Convention

55. 4 STEPS TO GETTING STARTED
Faster or Slower:
Choose & Get Started
• Faster – Includes Agent Enrollment, Protection
Plan Membership & FES University Advanced
Secrets of Success Training = $475
• Slower – Includes Agent Enrollment &
Protection Plan Membership = $286

56. Congratulations
And Welcome To
The FES Team!
56