4. Today’s Realities
People have lost Jobs
Homes
Saving & Investments
USA Today - U.S. households on average
overspent their incomes by $575 .
25% of Americans have ZERO savings.
50% of Americans have NO retirement plan.
58% of the population do not pay their credit
card balances and owe a debt of $17,000 +
5. • Today your credit score is like a vital sign, it’s being
monitored at all times.
Credit
Education!
6. 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
7. Credit Restoration
About 80% of the population have a
599 credit score or below
• Less than excellent credit cost you up
to $200,000 in interest and fees
• About 60% 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 and millions have watched their
credit scores decline.
8. CREDIT REPAIR VS
CREDIT RESTORATION
CREDIT REPAIR CREDIT RESTORATION
Involves the CLIENT writing Deals directly with the credit
letters to creditors bureaus
Require the client to provide the
Force the credit bureaus to comply
information they need to assist in
with the FCRA, by making them
the dispute process, which can be
produce verifiable proof they can
time consuming and a nerve
legally report your private financial
wracking experience for the information
client. If the credit bureaus do not remove
Credit repair companies best or change an item they are in
financial interest to draw the violation of federal law and subject
process out as long as possible themselves to a $1,000.00 fine for
Credit Repair is often successful in each item they report.
having some items removed, only
to have it re-report in a different TRUE CREDIT RESTORATION
reporting cycle. Thus, it is not a
permanent removal of the
information
9. 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 over 600,000 derogatory
items from people’s credit reports
Removed over 60,000 public records
Satisfaction money back guarantee
13. 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
14. 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
15. Identity Theft Protection
• FTC says 9 million Americans have their
identity stolen each year
• LifeLock® watches over and protects your
identity
$99 per year
• The web is being patrolled at all times for
the illegal selling or trading of your
or
personal information $9 per month
• Up to a $1 MILLION service guarantee!
17. Protection Plan Services
Credit Restoration Positive Credit Builder Will & Trust
Life Lock Debt Zero Financial Lock Box
Online Solution That Enables You To
Store Financial Data
In A Single, Secure, Password-
protected Location For Easy Access By
You Or Your Authorized Family
Member
18. Become A Protection Plan
Customer
Save Money $499.00
Credit Restoration
Positive Credit Builder $149.00
Will & Living Trust $499.00
LifeLockTM $ 99.00
Debt Zero $149.00
Financial Lockbox $149.00
$1544.00
$87 month
20. We Are In Front
Of The MONEY
We have a niche Market
80% of Americans need their credit restored
(That’s Over 160+ Million Clients)
There are very few Credit Restoration
Centers (Agents) in existence
Our Market doesn’t know where to go or
Who to Trust !
21. There is no better
time than right now
to build something
for yourself and
your family
22. Get Started Now $199
Become an Agent with the $199 Agent
Protection Plan Membership $ 87 PPM
$ 286
Paid Weekly
Agent Starter Packet
Agent & Customer Support
Tax Advantages
23. YOUR VIRTUAL OFFICE
Your Online BUSINESS CENTER
Personalized
FREE Web Site
Monthly Online
Sales Tracking
System
24. Become An Agent with the
Protection Plan Membership
Save Money $499.00
Credit Restoration
Positive Credit Builder $149.00
Will & Living Trust $499.00
LifeLockTM $ 99.00
Life Insurance- $25K/50K Policy Bonus Included
Debt Zero $ 149.00
Financial Lockbox $ 149.00
Debit Card Bonus Included
$87 PPM 5 = FREE $1544.00
25. Agent Protection Plan Membership
FES VistaMoney Prepaid MasterCard
• Everyone is Approved
• Online Bill Pay
• Direct Deposit
• Instant Card To Card
Transfers
• Debt & Interest Free
• Budget Your Money
• ATM/Bank Cash Withdrawals
“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.”
26. The FES
Protection Plan Membership
Youth Financial Literacy Foundation (YFL)
• Educates young people from ages
8 to 18 on the matters of personal
finance.
• Each debit card membership
automatically donates $2 each
month to the YFL.
27. 8 Ways We Get $ Paid
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
28. Customer As a FES PPM
Fast Track
$65 Members you get this
33% upfront
FOR LIFE!!!*
Bonus
Customer
$65
Customer
$65
29. Fast Track Bonus
Customer As a FES PPM
$165
$65 Members you get this
33% upfront
Enroll Customers
FOR LIFE!!!*
and Train Agents
Customer to do the same
$165
$65
Agent &
FES
Protection
Plan
Customer *1st Credit Restoration or Will
Member
$165
$65 and Trust sale must be made
within new agent’s 1st 30 days
to be eligible for CAB Bonus
commission.
30. Potential Income
If you only got 1 customer per
week = about $650.00/Month
If you got 5 customers per
week = about $3,300.00/Month
If you got 15 customers per
week = about $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.
31. Team Building
“It’s better to get
1% of a hundred
people’s efforts
rather than 100% of
your own.”
~ J. Paul Getty, Billionaire
33. 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
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.
Unlimited Levels
All examples are purely theoretical for explanation purposes only. All income you
receive will depend upon your individual effort and ability.
34. CAB Bonus
Agent Level Initials Initial CAB Remainder Total
Agent $40 $60 $100
Field Trainer FT $60 $100 $160
Senior Field Trainer SFT $90 $150 $240
Sales Director SD $140 $240 $380
Regional Sales Director RSD $160 $270 $430
Executive Sales Director ESD $177 $302 $480
Ambassador
A $187 $322 $510
Regional Ambassador
RA $195 $335 $530
Executive
EA $200 $350 $550
Ambassador
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.
35. Relationship Marketing Produces a CAB Bonus
Sponsor 2 Direct Agents
Minimum 2 Legs
$ 400GV per. Leg
Total Group Volume
$1,600 per. Month
Field Trainer New Agent makes a
Credit Restoration
Recruits New Agent Sale of $499
Initial CAB Bonus Now
$60 Field Trainer is
Paid the
Total CAB Remainder
CAB
$160 $100
Customer
36. Relationship Marketing Produces a CAB Bonus
Sponsor 3 Direct Agents
Minimum 3 Legs
$1,000GV per. Leg
Minimum 3 Field Trainers
Total Monthly Group Volume
$10,000 GV
Sales Director New Agent makes a
Recruits New Agent the Credit Restoration
Sale of $499
Initial CAB Bonus Now
$140 Sales Director
is Paid the
Total CAB Remainder CAB
$380 $240
Customer
37. About $5,000 Sales
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.
Total Bonuses
All examples are purely theoretical for explanation purposes only. All
Director income you receive will depend upon your individual effort and ability.
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
38. Sales Director
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. Direct Commission- Level Overrides
Credit Credit Multiple Sale
Life Lock
Wills & Trust $199/ Credit /Will &Trust*
$99 $399
$499 $39mon.
Direct $165.00 $70/5.98 $22.77 $103.74
Level 1 $24.95 $2.34 $3.96 $15.96
Level 2 $19.96 $2.15 $2.97 $11.97
Level 3 $14.97 $2.15 $1.96 $7.98
Level 4 $9.98 $1.95 $0.99 $7.98
Level 5
$9.98 $1.56 $0.99 $7.98
*Achievethe level of ESD and higher and receive a monthly bonus on
volume generated through levels 6 to infinity. .
*For illustration purposes only
41. Rewards of Developing a
Volume Producing Organization
Monthly Group Monthly Infinity
Title
Volume Bonus*
Sales Director 10,000 $50.00
Regional 25,000 $187.50
Sales Director
Executive Sales
50,000 $500.00
Director
Ambassador 100,000 $1,500.00
Regional
250,000 $5,000.00
Ambassador
Executive
Ambassador 500,000 $12,500.00
*For illustration purposes only
For each Title you must meet the minimum Group Sales Volume requirement and must be active to receive these bonuses
. .
43. Residual Income- Protection Plan Membership
Direct Customers Only
Direct Customer PPM Monthly*
You Free 5 $12.75 $63.75
25 Club 25 $12.75 $318.75
100 Club 100 $12.75 $1,275.00
300 Club 300 $12.75 $3,825.00
500 Club 500 $12.75 $6,375.00
*For illustration purposes only. .
46. The FES R & R &Club
Building towards Rest, Relaxation, Retirement!!!
(The Accumulation Of Personal & Team FES PPM Memberships of 500+
Required)
Monthly BMW Payment Monthly Audi Payments Hi-end Luxury Car Payment
$5,000 Monthly House Monthly Matching Annual CASH Bonus
Payment Retirement Bonus Up To
$25,000
47. MAKING A BIG DECISION
1. Take advantage of some
of the individual services
or become a Protection
Plan Member
2. This makes perfect sense!
I’m ready to get started.
Show me how!
