FES (Financial Education Services) is on a National expansion. We are looking for Companies or individuals to offer our financial packages to consumers or companies.

1. BUSINESS PRESENTATION

2. Today's Realities
 Many people have
lost jobs
 Many people have
lost homes
 Many people have
lost savings &
investments

3. • 58% of people with credit cards, on a monthly basis do not pay their
balance in full
• Those who carry credit card debt have an average balance of $17,103
• Those carrying $20,000 or more are likely to miss payments and see
interest rates skyrocket and credit scores plummet
• In January of 2006, on average, U.S. households overspent their
incomes by $575 and dropped the savings rate to the lowest it’s been
in almost 80 years

4. How Many People Are Affected
By These Economic Times?
 How many people have
less than perfect credit?
 How many people are
susceptible to identity
theft because they do
not have identity theft
protection?

5. 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 have more
debt than they want, but just
don’t know how to get it paid
off?

6. A Lack of
Financial
Education!

7. THE COMPANY

8. 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

9. FINANCIAL EDUCATION
SERVICES
Mike Toloff Parimal Naik
 Founded in 2004
 Headquarters in Farmington Hills, Michigan
 Over 50 million dollars in sales
 Debt free
 Almost 200 employees worldwide

10. PRODUCTS & SERVICES

11. PRODUCTS & SERVICES
Credit Restoration The Protection Plan

15. Credit Restoration:
United Credit Education Services
 7 year track record
 “A” Rating with the BBB
 Served over 150,000 clients
 Removed over 525,000 derogatory
items from people’s credit reports
 Removed over 50,000 public records
 Satisfaction money back guarantee

16. 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 400’s, 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.

17. What Would It Be Worth To
Have Excellent Credit?
Other credit restoration services
charge thousands of dollars, and
don’t even offer the educational
resources and coaching that
United Credit includes, nor do they
have the documentation!

18. What Would It Be Worth To
Have Excellent Credit?
 A One Time Fee of $499
 Referral Program for $548
 A Monthly Option
($160 Activation Fee &
$39 A Month)

19. A Plan To Give You All Of Our Products At One Low Fee Of $87 Per Month!

20. You Get:
 Comprehensive analysis of
your credit profile.
 Personalized
recommendations and action
plan to build and maintain
good credit.
 An Education Library &
POSITIVE
Credit Builder
Resource Center

21. You Get:
 A Last Will, Living Trust
and a Financial & Health
Care Power of Attorney
 Unlimited changes and
revisions
 Electronically stored
data Will & Trust

22. You Get:
 The most effective and
efficient user friendly debt
payoff software program
that creates a personal
budget to:
 Pay off debt fast
 Save you thousands
FES DebtZero
 Build up cash reserves

23. You get:
 IdentityAlert
 $1 million service
guarantee
 Peace of mind that
your identity is
secured

24. Youth Financial Literacy Foundation (YFL)
 Educates young people
from ages 8 to 18 on the
matters of personal finance
 Each member automatically
donates $2 each month to
the YFL

25. INCOME OPPORTUNITY

26. Why People Need To Take Control
• The worst recession in our lifetime
• Stock market volatility
• Loss of savings and retirement packages
• Loss of equity in homes
• Unemployment at all time high
• Social Insecurity

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

29. Income Opportunity
TWO DIVISIONS
1. Retail Sales And
Developing Corporate
Accounts
2. Business Development:
Recruit, Train & Manage A
Sales Organization

30. We Get Paid 8 Different Ways
1. Personal Sales Commissions
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

31. Retail Sales Commissions
Customer After your 3rd
sale, your
personal sales
Customer commissions
go up to 33%
Agent on all your
Customer
future personal
sales

32. 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.

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

34. Team Building Example
5,000 10,000
1,600
Senior Sales
Field Director
Field
Trainer Trainer
Agent
$75 $150 $250 $350
Agent Agent Agent Agent

35. Theoretical Example: Based On Sales Director
If you enrolled 1 Agent per week
who made a sale = $1,400.00/Month
If you enrolled 3 Agents per week
who made a sale = $4,200.00/Month
If you enrolled 5 Agents per week
who made a sale = $7,000.00/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. Theoretical Example: Team Earnings
Sales
Director
Field Field
Trainer
Agent Trainer
Field Agent Agent Agent Agent
Agent Agent
Trainer
$192 $247 $247 $247 Field $192 $192
Agent Trainer
Agent Agent Agent
$192 Agent Agent Agent Agent
Agent Agent
$188 $188 $188 $188 $188 $243 $243 $188 $188
Agent Agent Agent Agent
$188 $188 $188 $188

37. In this Theoretical Example
If you did this once a month
= over $4,000.00/Month
If you did this once a week
= over $16,000.00/Month
If you did this twice a week
= over $32,000.00/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.

38. Theoretical Example: Protection Plan
You
Residual Income Potential
People
85 85 85 85 85 5
85 85 85 85 85 25
85 85 85 85 85
125
85 85 85 85 85
625 Total = $75,000/mo
Total = Total = $75,000/mo
Total = $7,500/mo
Total = $7,500/mo
85 85 85 85 85
3125 Total = $750/mo $75,000/mo
Total = $7,500/mo
Total = $750/mo
85 85 85 85 85 15,625 Financial Education Services, Inc., and any of their affiliate
Total = $750/mo
companies make(s) no guarantees to the level of financial
success an Independent Agent can achieve.
19,530 All examples are purely theoretical for explanation purposes
only. All income you receive will depend upon your individual
effort and ability.

39. Short Term vs. Long Term
$ Residual Earnings
Profit Sharing
Personal Sales Commissions
Training Bonuses
Level Overrides
TIME

40. TRAINING & SUPPORT

41. Training & Support
100%
50%
25%
100%
12%
6%
3% FES University
You
Contacts

42. This Means Two Things!
1. 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.
2. You can plug people that you
know into the system and they
might go out and do better than
you!

43. Training & Support
Online Training
Conference Call Training
Live Local Area Trainings
National Advanced
Training Workshops

44. MAKING A DECISION
3 Kinds Of People
1. It’s not for me but I can provide a
few referrals.
2. I’d like to take advantage of the
services.
3. This makes perfect sense! I’m
ready to get started. Show me how!

45. 4 Steps To Getting Started

46. 4 STEPS TO GETTING STARTED
Step #1 - Enroll & Become an Agent – $199.00
You Get:
 Discounts on services or Free services
 Information package delivered to your home
 Personalized Web site
 FREE monthly online sales tracking system
 Agent support
 Paid weekly
 Tax advantages
$149.00

48. 4 STEPS TO GETTING STARTED
Step #2 – Become a Customer: What Do You Need?
Credit Restoration - $499 $399
The Protection Plan - $87
NO ONE PERSON NEEDS TO
BELIEVE MORE THAN YOU!

49. 4 STEPS TO GETTING STARTED
Step #3 – Become Referrer
Who Do You Know:
 Has less than perfect credit?
 Does not have a will and living trust?
 Whose identity is unprotected?
 Would like a system on how to pay off their debt?
 Could use some extra income?
 Wants to become financially free?

50. 4 STEPS TO GETTING STARTED
Become great at inviting while you
learn to become great at explaining.
YOU
CONTACTS RESPECT EXPERT
CREDIBILITY

51. 4 STEPS TO GETTING STARTED
Step #4 – Training & Support
 Online Training
 Conference Call Training
 Basic Trainings
 Advanced Trainings
 Annual Convention

52. CONGRATULATIONS!
Welcome to the FES Team!