The document discusses the state of Americans' personal and financial affairs, noting that: - Over 43 million people have credit scores below 599 - Nearly half of Americans don't know their credit score - Average debt is over $225,000 while many have less than $500 in savings - 49% have no retirement savings and only 18% feel on track for retirement - 65% have no will, 82% have no trust, and 71% have no power of attorney - Over $58 billion in unclaimed assets exist It argues the primary reason for these issues is a lack of financial education. The company described provides financial education services and career opportunities to address this problem.

2. • About 43 million people have a 599 credit score or lower (Source: money.msn.com)
• Nearly half of Americans don't know their credit score(Source: Huffington Post Money)
• Average debt is over $225,000 with many having less than $500 in savings (Source: Investorplace)
• 49% have no retirement and only 18% know they're on track to reach their income
goals for retirement (Source: CNNMoney / Forbes)
• 65% have no will, 82% have no trust & 71% have no power of attorney (Source: Lawyers.com)
• Over $58 billion in unclaimed life insurance policies, bank accounts, pensions, stocks,
other assets and property (Source: CNN Money)
• Every 3 seconds an identity is stolen (Source: Javelin Strategy & Research)
The State Of America's Personal & Financial Affairs

3. What Is The Primary Reason?
A Lack of
Financial
Education!

4. 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

5. • 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

6. • 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…

7. • 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…

8. The Protection Plan Membership
A Plan That Protects Your Identity, Credit,
Family, Finances, Lifestyle & Future!

9. What's In Your Protection Plan Membership?

10. Credit Restoration
• Today your credit score is like a vital sign, it’s
being monitored at all times
• 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)
• 4 in 5 credit reports have errors on them causing
lower credit scores (Source: CBS News)

11. 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

12. United Credit Home Page Screen Shot

15. CREDIT RESTORATION
United 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
 100% Satisfaction guarantee
 Tens of thousands of satisfied clients

16. Other Valuable Credit Building Services
Credit 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.

17. “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

18. “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

19. •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

20. • 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

21. 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!

22. • 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!

23. • Travel with confidence! Use your own FES custom discount travel portal
• Access to thousands of the finest hotels, resorts and condos 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!

24. 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

25. *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
Products
You have access to experienced
insurance professionals for a no cost
consultation for all your insurance needs.
* Must Meet Eligibility Requirements

27. Over $10,000
Individually
or Over $400
Per Month
What Is Protecting Your Family,
Lifestyle & Future Worth?

28. Exclusive Money Saving Services That
Protect Your Identity, Credit, Family,
Finances, Lifestyle & Future!

29. • 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)

30. CAREER OPPORTUNITY

31. How Many People Today Control Their…
Income? Schedule? Advancement?
Benefits? Retirement & Future?

32. Welcome To
Hybrid Marketing…
“Where Corporate
America Meets
Entrepreneurship”

33. We Earn Income 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. How Do We Earn Income?
WE HAVE TWO DIVISIONS
• Developing Corporate Accounts,
Membership Sales & Sales of
Individual Services
• Business Development: Recruit,
Train & Manage A Nationwide
Sales Organization

35. Corporate Accounts
Industries that require credit worthy clients
and/or have clients with damaged credit.
Real Estate AgentsCar DealershipsMortgage Brokers
Tax Professionals
Bankruptcy Attorneys
Loan Modification / Debt
Settlement Companies

36. 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

37. • 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

38. 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.
$150
Customer
$150
Customer
$150
Customer

39. 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.

40. If you only got 1 customer per
week = $600.00/Month
If you got 5 customers per week
= over $3,000.00/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.

41. 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.

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

43. Customer Acquisition Bonuses
Agent
$100
up 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.

44. Customer Acquisition Bonuses
Agent
$100
up 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.
$499
SALE
*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.
PPM
AGENT

45. Customer Acquisition Bonuses
Agent
$100
up to
AGENT
$150
(Direct Commission)
$100
(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.
*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.
PPM
AGENT

46. Customer Acquisition Bonuses
Agent
$100
up 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.
PPM
AGENT
PPM
AGENT

47. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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.
PPM
AGENT
$36
(Residual Direct
Commission)
*Any combination of sales that total $340 will trigger a Customer Acquisition Bonus
PPM
AGENT
$100
(CAB Bonus)

48. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume

49. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
$499
SALE
PPM
AGENT

50. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
$150
(Direct Commission)
PPM
AGENT
$160
(CAB Bonus)

51. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT

52. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
$160
(CAB Bonus)
$36
(Residual Direct
Commission)

53. PPM
AGENT
Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
$499
SALE
PPM
AGENT
PPM
AGENT

54. PPM
AGENT
Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
$150
(Direct Commission)
$100
(CAB Bonus)
PPM
AGENT
PPM
AGENT
$60
(CAB Bonus)

55. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
PPM
AGENT
PPM
AGENT

56. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
FIELD TRAINER
1,600 Team Volume**
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
**Monthly Agent Team Volume
$100
(CAB Bonus)
PPM
AGENT
PPM
AGENT
PPM
AGENT
PPM
AGENT
$60
(CAB Bonus)
$36
(Residual Direct
Commission)

57. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
SENIOR FIELD TRAINER
5,000 Team Volume**
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
**Monthly Agent Team Volume

58. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$499
SALE

59. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$480
(Total CAB Bonus)
$150
(Direct Commission)
$240
(Each CAB Bonus)
$36
(Residual Direct
Commission)

60. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
PPM
AGENT
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$499
SALE

61. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
$100
(CAB Bonus)
PPM
AGENT
PPM
AGENT
PPM
AGENT
PPM
AGENT
SENIOR FIELD TRAINER
5,000 Team Volume**
$150
(Direct Commission)
$100
(CAB Bonus)$280
(Total CAB Bonus)
$36
(Residual Direct
Commission)

62. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
SALES DIRECTOR
10,000 Team Volume**
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
**Monthly Agent Team Volume

63. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$499
SALE

64. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$150
(Direct Commission)
$380
(Each CAB Bonus)
$760
(Total CAB Bonus)
$36
(Residual Direct
Commission)

65. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
PPM
AGENT
PPM
AGENT
PPM
AGENT
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$499
SALE

66. Customer Acquisition Bonuses
Agent
$100
up to
Enroll a new Agent with a Protection Plan Membership and
help them produce $340* in sales within their first 70 days.
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
**Monthly Agent Team Volume
$100
(CAB Bonus)
PPM
AGENT
PPM
AGENT
PPM
AGENT
PPM
AGENT
SALES DIRECTOR
10,000 Team Volume**
$150
(Direct Commission)
$100
(CAB Bonus)$560
(Total CAB Bonus)
$36
(Residual Direct
Commission)

67. Additional Positions From
Regional Sales Director to Senior
Executive Vice President
$550

68. 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

69. In this Theoretical Example
If 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.

70. 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
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.

71. 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.

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

73. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5

74. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25

75. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125

76. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125
625

77. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125
625
3125

78. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125
625
3125
15,625
19,530

79. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125
625
3125
15,625
19,530
$75,000/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.

80. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125
625
3125
15,625
19,530
$75,000/mo
$7,500/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.

81. You
Theoretical Residual Income Example:
The POWER of the Protection Plan Membership
People
5
25
125
625
3125
15,625
19,530
$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.

82. 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.

83. TRAINING & SUPPORT

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

85. 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!

86. • Online Training
• Conference Call Training
• Local Trainings
• Regional Product Training
• Regional “Secrets of Success” Trainings
• National Advanced Leadership Workshops
Training & Support

87. MAKING A BIG DECISION
1. 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.

88. MAKING A BIG DECISION
1. 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.

89. 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

90. MAKING A BIG DECISION
1. 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 just need a
game plan on how to get started!

91. 4 STEPS TO GETTING STARTED

92. 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 STARTED
Step #1 - Enroll & Become an Agent

93. 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 STARTED
Step #1 - Enroll & Become an Agent

94. FES University Secrets of Success
What 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!
4 STEPS TO GETTING STARTED

95. Once You Are Enrolled You Receive:
 The Chance To Earn Free Services
 An Online New Agent Starter Kit
 A Personalized Web Site
4 STEPS TO GETTING STARTED

97. 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
4 STEPS TO GETTING STARTED

98. 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
4 STEPS TO GETTING STARTED

99. Step # 3 – Expose People To FES
Develop 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?
4 STEPS TO GETTING STARTED

100. How To Expose People To Financial Education Services
“Become great at exposing while you learn to become great at explaining.”
EDIFY &
PROMOTE
4 STEPS TO GETTING STARTED
CONTACTS
YOU
FES Experts

101. 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
4 STEPS TO GETTING STARTED

102. Just A Quick Recap
Decide 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
102
Congratulations And Welcome
To The FES Team!