The document outlines the offerings of Financial Education Services, which include credit restoration, identity protection, and financial education aimed at improving clients' financial security. Founded in 2004 and based in Michigan, the company provides essential products and services to help individuals manage debt, improve credit scores, and secure their families' financial futures. It also provides agents with income opportunities through commissions for sales and referrals, highlighting various potential earning scenarios.

1. BUSINESS PRESENTATION

2. What Do We Do?IdentityCreditFamilyFinancesFuture

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

4. 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?

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

6. THE COMPANY

7. FINANCIAL EDUCATION SERVICESProvides:The education we needed a long time agoProducts and services to protect your identity, credit, family, finances and future An opportunity for financial security

8. FINANCIAL EDUCATION SERVICES Mike ToloffParimalNaikFounded in 2004Headquarters in Farmington Hills, MichiganOver 50 million dollars in salesDebt freeAlmost 200 employees worldwide

9. PRODUCTS & SERVICES

10. PRODUCTS & SERVICESCredit RestorationThe Protection Plan

14. Credit Restoration: United Credit Education Services6 year track recordTop Rating with the BBBServed over 150,000 clients Removed almost 500,000 derogatory items from people’s credit reportsRemoved over 50,000 public recordsSatisfaction money back guarantee

15. 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.

16. 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

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

18. PROTECTION PLANYou Get:Comprehensive analysis of your credit profile.Personalized recommendations and action plan to build and maintain good credit.An Education Library & Resource CenterPOSITIVECredit Builder

19. PROTECTION PLANYou Get: A Last Will, Living Trust and a Financial & Health Care Power of AttorneyUnlimited changes and revisionsElectronically stored dataWill & Trust

20. PROTECTION PLANYou Get: The most effective and efficient user friendly debt payoff software program that creates a personal budget to: Pay off debt fastSave you thousands Build up cash reserves FESDebtZero

21. PROTECTION PLANYou get: IdentityAlert

22. $1 million service guarantee

23. Peace of mind that your identity is securedPROTECTION PLANYouth Financial Literacy Foundation (YFL)Educates young people from ages 8 to 18 on the matters of personal finance.

24. Each member automatically donates $2 each month to the YFLINCOME OPPORTUNITY

25. Income Opportunity TWO DIVISIONSRetail Sales And Developing Corporate AccountsBusiness Development: Recruit, Train & Manage A Sales Organization

26. How We Get Paid…Personal Sales CommissionsTraining BonusesLevel Overrides

27. Retail Sales CommissionsAfter your 3rd sale, your personal sales commissions go up to 33% on all your future personal salesCustomer$165Customer$165AgentCustomer$165

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

29. Team Building Example10,0005,0001,600Sales DirectorSenior Field TrainerField TrainerAgent$120$200$300$65AgentAgentAgentAgent

30. Theoretical Example: Team EarningsOver $4,000 Total BonusesSales DirectorField TrainerAgentField TrainerField TrainerAgentAgentAgentAgentAgentAgent$192Field Trainer$247$247$247$192$192AgentAgentAgentAgentAgentAgentAgentAgentAgentAgent$192$188$188$188$188$188$243$243$188$188AgentAgentAgentAgent$188$188$188$188

31. In this Theoretical ExampleIf you did this once a month = over $4,000.00/MonthIf you did this once a week = over $16,000.00/MonthIf you did this twice a week = over $32,000.00/MonthFinancial 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.

32. Theoretical Example: Protection PlanResidual Income PotentialYouPeople525125625312515,62519,530858585858585858585858585858585Total = $75,000/moTotal = $7,500/moTotal = $750/moTotal = Total = $75,000/moTotal = $7,500/moTotal = $750/mo $75,000/moTotal = $7,500/moTotal = $750/mo85858585858585858585Financial 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.8585858585

33. Short Term vs. Long Term $Residual Earnings Personal Sales Commissions Training BonusesLevel OverridesTIME

34. TRAINING & SUPPORT

35. FES UNIVERSITYGregg AmermanHailed by world renowned speaker Les Brown, as one of the bestAuthor of “Things That Make You Go HMMM”Co-authored “Discover Your Inner Strength” with best selling authors Steven Covey, Brian Tracy & Ken Blanchard20 year track record of documented personal success in Network MarketingDeveloped, managed and trained sales organizations with revenues exceeding 100 million dollarsFounded the concept of Pure EdgeUtainmentFrenita AmermanTony SwiantekKari MichaelsenJoe LockeGregg Amerman

36. Training & Support100%100%50%25%12%6%FES University3%YouContacts

37. 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!

38. MAKING A DECISION3 Kinds Of PeopleI want to improve my credit and/or protect my family and I’d be glad to provide some referrals.I want to get more information and get some questions answered about getting the service and becoming an agent.I’m ready to make some money! Show me how!

39. 4 Steps To Getting Started

40. 4 STEPS TO GETTING STARTEDStep #1 - Enroll & Become an Agent – You Get: Discounts on services

41. Information package delivered to your home

42. Personalized Web site

43. FREE monthly online sales tracking system