FINANCIAL EDUCATION SERVICES � Financial Education Services Policies & Procedures · Terms of Service · Privacy Policy · Accessibility Statement UNITED CREDIT EDUCATION SERVICES Get started on improving your credit score today. Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt. ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. Payment Method: Credit Card Personal Check Business Check. Amount Paid. Payment Terms: Credit Card Payment Information. Check if address is same as above. FINANCIAL EDUCATION SERVICES, INC. INDEPENDENT SALES Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application Mail To: Financial Education Services, PO Box 68, Farmington, MI 48332 Phone: (248)

848-9065, option 2

HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we FINANCIAL EDUCATION SERVICES � Financial Education Services Policies & Procedures · Terms of Service · Privacy Policy · Accessibility Statement UNITED CREDIT EDUCATION SERVICES Get started on improving your credit score today. Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt. ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. Payment Method: Credit Card Personal Check Business Check. Amount Paid. Payment Terms: Credit Card Payment Information. Check if address is same as above. FINANCIAL EDUCATION SERVICES, INC. INDEPENDENT SALES Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application Mail To: Financial Education Services, PO Box 68, Farmington, MI 48332 Phone: (248)

848-9065, option 2

HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we COMPENSATION PLAN OVERVIEW 2 | P a g e FES PROTECTION PLAN: SET-UP FEE The set-up fee for FES Protection Plan customers is $99. During the enrollment process, agents have the option MERCHANT SERVICES SCRIPT Merchant Services Script You Know The Business Owner Or Decision Maker: Hey our company just added a new service, and I’m sure you probably get approached about switching your SETTING UP FES CONNECT FES CONNECT Setting Up FES Connect o Select “Manage Account” from your FES Connect Tab. Click the “ACTIVATE” button inside the box located in the middle of the page - FES BUSINESS PRESENTATION 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. FINANCIAL EDUCATION SERVICES One reason for having a living trust is that you can provide for an inheritance to be held and managed for minor beneficiaries by persons you choose until the child turns 18 or any other later age. Often children are not ready to manage significant wealth when they are only 18 years old. The use of a pour-over will and a living trust

eliminates

FINANCIAL EDUCATION SERVICES Quickly and easily create professional, customized, specific estate planning documents for your clients. Includes Last Will, Living Revocable Trust, Health Care and Financial Powers of Attorney

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POLICIES AND PROCEDURES 4.1.2021 last updated: 4/1/2021 financial education services statement of policies and procedures effective april 1, 2021 section 1 – introduction 1.1 code of ethics 1.2 policies incorporated into isr agreement 1.3 changes to the isr agreement, policies and procedures, or compensation plan 1.4 delays 1.5 policies and provisions severable 1.6 waiver 1.7 effective date

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Join FES Cofounders Parimal Naik and Mike Toloff, with our top FES Agents, as they cruise the Caribbean on an elite Royal Caribbean ship! The only way to get on board is through the FES Cruise Contest! SETTING UP FES CONNECT FES CONNECT Setting Up FES Connect o Select “Manage Account” from your FES Connect Tab. Click the “ACTIVATE” button inside the box located in the middle of the page - FINANCIAL EDUCATION SERVICES Financial Education Services Name Change Notification Complete this Name Change Notification form along with a W9 Form to request a name change. This form should be used for the following situations: ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application 9. Modification of Terms. The terms of this Agreement may be modified as specified in Rule 1 in the Policies and Procedures. FINANCIAL EDUCATION SERVICES Financial Education Services Notificación de Cambio de Nombre: Complete esta Notificación de Cambio de Nombre junto con una forma

W-9 para solicitar

UNITED CREDIT EDUCATION SERVICES Get started on improving your credit score today. Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt. ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. Payment Method: Credit Card Personal Check Business Check. Amount Paid. Payment Terms: Credit Card Payment Information. Check if address is same as above. POLICIES AND PROCEDURES 4.1.2021 last updated: 4/1/2021 financial education services statement of policies and procedures effective april 1, 2021 section 1 – introduction 1.1 code of ethics 1.2 policies incorporated into isr agreement 1.3 changes to the isr agreement, policies and procedures, or compensation plan 1.4 delays 1.5 policies and provisions severable 1.6 waiver 1.7 effective date COMPENSATION PLAN OVERVIEW 2 | P a g e FES PROTECTION PLAN: SET-UP FEE The set-up fee for FES Protection Plan customers is $99. During the enrollment process, agents have the option FINANCIAL EDUCATION SERVICES, INC. INDEPENDENT SALES Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales FINANCIAL EDUCATION SERVICES Financial Education Services Name Change Notification Complete this Name Change Notification form along with a W9 Form to request a name change. This form should be used for the following situations: HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application Mail To: Financial Education Services, PO Box 68, Farmington, MI 48332 Phone: (248)

848-9065, option 2

SETTING UP FES CONNECT FES CONNECT Setting Up FES Connect o Select “Manage Account” from your FES Connect Tab. Click the “ACTIVATE” button inside the box located in the middle of the page - FINANCIAL EDUCATION SERVICES Financial Education Services Notificación de Cambio de Nombre: Complete esta Notificación de Cambio de Nombre junto con una forma

W-9 para solicitar

UNITED CREDIT EDUCATION SERVICES Get started on improving your credit score today. Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt. ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. Payment Method: Credit Card Personal Check Business Check. Amount Paid. Payment Terms: Credit Card Payment Information. Check if address is same as above. POLICIES AND PROCEDURES 4.1.2021 last updated: 4/1/2021 financial education services statement of policies and procedures effective april 1, 2021 section 1 – introduction 1.1 code of ethics 1.2 policies incorporated into isr agreement 1.3 changes to the isr agreement, policies and procedures, or compensation plan 1.4 delays 1.5 policies and provisions severable 1.6 waiver 1.7 effective date COMPENSATION PLAN OVERVIEW 2 | P a g e FES PROTECTION PLAN: SET-UP FEE The set-up fee for FES Protection Plan customers is $99. During the enrollment process, agents have the option FINANCIAL EDUCATION SERVICES, INC. INDEPENDENT SALES Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales FINANCIAL EDUCATION SERVICES Financial Education Services Name Change Notification Complete this Name Change Notification form along with a W9 Form to request a name change. This form should be used for the following situations: HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application Mail To: Financial Education Services, PO Box 68, Farmington, MI 48332 Phone: (248)

848-9065, option 2

SETTING UP FES CONNECT FES CONNECT Setting Up FES Connect o Select “Manage Account” from your FES Connect Tab. Click the “ACTIVATE” button inside the box located in the middle of the page - FINANCIAL EDUCATION SERVICES Financial Education Services Notificación de Cambio de Nombre: Complete esta Notificación de Cambio de Nombre junto con una forma

W-9 para solicitar

FINANCIAL EDUCATION SERVICES Conservator. A court-appointed person who manages the assets of someone who lacks the capacity to do so because of age or illness (mental or physical). Consideration. Something of value provided by each party to a contract to make it legally binding. Contingency. An event that might not occur. Death Taxes. FINANCIAL EDUCATION SERVICES One reason for having a living trust is that you can provide for an inheritance to be held and managed for minor beneficiaries by persons you choose until the child turns 18 or any other later age. Often children are not ready to manage significant wealth when they are only 18 years old. The use of a pour-over will and a living trust

eliminates

FINANCIAL EDUCATION SERVICES Is there anyone who cannot act as my agent? Yes. This will depend on state law, but generally your primary physician or other medical professional who is primarily responsible for your care, an employee of any health care institution where you are receiving care, or an operator or employee of a community or residential care facility where you are receiving care, cannot be your health care FINANCIAL EDUCATION SERVICES Yes. The function of probate is to collect all the assets of a decedent, settle debts and claims of the estate, and transfer the net assets to the proper beneficiaries. The process is administered by a probate court judge and is a function of state law. By creating a living trust and transferring assets to it during your lifetime, those

assets

ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. Payment Method: Credit Card Personal Check Business Check. Amount Paid. Payment Terms: Credit Card Payment Information. Check if address is same as above. FINANCIAL EDUCATION SERVICES Referral Source Agent Business Office. User Name. Password © 2021 Financial Education Services ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application Mail To: Financial Education Services, PO Box 68, Farmington, MI 48332 Phone: (248)

848-9065, option 2

FINANCIAL EDUCATION SERVICES Financial Education Services Notificación de Cambio de Nombre: Complete esta Notificación de Cambio de Nombre junto con una forma

W-9 para solicitar

SOLICITUD DE INSCRIPCIÓN INDEPENDENT AGENT FES PROTECTION Agente de Ventas Independiente Solicitud de Inscripción | Independent Agent –FES Protection Plan Membership 9. Modification of Terms. The terms of this Agreement may be modified as specified in Rule 1 in the Policies and Procedures.

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UNITED CREDIT EDUCATION SERVICES Get started on improving your credit score today. Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt. FINANCIAL EDUCATION SERVICES Can I make changes to my last will? Yes, you can make changes to your last will when your financial, economic or personal situation changes. However, unlike a living trust, you cannot simply cross out language or write in new language on your last will and initial the changes. ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. MYCAREPLANMYCAREPLAN TX ONCOLOGY No add-ons. No suprises. Everything you need in one comprehensive package. Unlimited updates as your needs change Ongoing communication

from MyCare Plan™

FINANCIAL EDUCATION SERVICES, INC. INDEPENDENT SALES Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales SETTING UP FES CONNECT FES CONNECT Setting Up FES Connect o Select “Manage Account” from your FES Connect Tab. Click the “ACTIVATE” button inside the box located in the middle of the page - COMPENSATION PLAN OVERVIEW 2 | P a g e FES PROTECTION PLAN: SET-UP FEE The set-up fee for FES Protection Plan customers is $99. During the enrollment process, agents have the option MERCHANT SERVICES SCRIPT Merchant Services Script You Know The Business Owner Or Decision Maker: Hey our company just added a new service, and I’m sure you probably get approached about switching your HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we FES BUSINESS PRESENTATION 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. UNITED CREDIT EDUCATION SERVICES Get started on improving your credit score today. Demonstrate responsible use of credit, develop a strong payment history, and avoid taking on more debt. FINANCIAL EDUCATION SERVICES Can I make changes to my last will? Yes, you can make changes to your last will when your financial, economic or personal situation changes. However, unlike a living trust, you cannot simply cross out language or write in new language on your last will and initial the changes. ENROLL NOW | MYCARE PLAN: PLANNING FOR LIFE'S UNCERTAINTIES I have read, understand and agree to comply with the above Terms and Conditions of Enrollment. MYCAREPLANMYCAREPLAN TX ONCOLOGY No add-ons. No suprises. Everything you need in one comprehensive package. Unlimited updates as your needs change Ongoing communication

from MyCare Plan™

FINANCIAL EDUCATION SERVICES, INC. INDEPENDENT SALES Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales SETTING UP FES CONNECT FES CONNECT Setting Up FES Connect o Select “Manage Account” from your FES Connect Tab. Click the “ACTIVATE” button inside the box located in the middle of the page - COMPENSATION PLAN OVERVIEW 2 | P a g e FES PROTECTION PLAN: SET-UP FEE The set-up fee for FES Protection Plan customers is $99. During the enrollment process, agents have the option MERCHANT SERVICES SCRIPT Merchant Services Script You Know The Business Owner Or Decision Maker: Hey our company just added a new service, and I’m sure you probably get approached about switching your HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we FES BUSINESS PRESENTATION 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. FINANCIAL EDUCATION SERVICES Quickly and easily create professional, customized, specific estate planning documents for your clients. Includes Last Will, Living Revocable Trust, Health Care and Financial Powers of Attorney FINANCIAL EDUCATION SERVICES What is a financial power of attorney? A financial power of attorney is a document in which you appoint someone else (your attorney-in-fact, or agent) to make decisions for you with respect to your assets when you are unavailable or unable to do so.

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UltraScore FES/MCCL Service Desk UltraScore FES/MCCL Service Desk POLICIES AND PROCEDURES 4.1.2021 last updated: 4/1/2021 financial education services statement of policies and procedures effective april 1, 2021 section 1 – introduction 1.1 code of ethics 1.2 policies incorporated into isr agreement 1.3 changes to the isr agreement, policies and procedures, or compensation plan 1.4 delays 1.5 policies and provisions severable 1.6 waiver 1.7 effective date ULTRASCORE.FINANCIALEDUSERVICES.COM UltraScore Welcome to UltraScore. Forgot Username? |

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MYCAREPLAN

No add-ons. No suprises. Everything you need in one comprehensive package. Unlimited updates as your needs change Ongoing communication

from MyCare Plan™

HOW TO EDIFY AND INTRODUCE-FINAL EDITED How To Edify And Introduce Sample Of Introducing A Presenter: Good evening everyone! My name is (full name) and I’m a (title) with Financial Education Services, and we FINANCIAL EDUCATION SERVICES Financial Education Services Name Change Notification Complete this Name Change Notification form along with a W9 Form to request a name change. This form should be used for the following situations: ENROLLMENT APPLICATION Independent Sales Agent Enrollment Application Mail To: Financial Education Services, PO Box 68, Farmington, MI 48332 Phone: (248)

848-9065, option 2

FES BUSINESS PRESENTATION 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. Quickly and easily create professional, customized, specific estate planning documents for your clients. Includes Last Will, Living Revocable Trust, Health Care and Financial

Powers of Attorney

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You have important issues financial issues for the future. You have concerns about what is going to happen to your children, your family, and your loved ones if something should happen to you. You want to protect them. You want to be prepared by planning for your family's future, knowing that you've made wise decisions, and ensuring that they will be well taken care of when they need it the most. Together, we will help you accomplish that. MyCare Plan will address your estate planning needs, and relieve you of your worries and concerns, leaving you with real and lasting

peace-of-mind.

MyCare Plan will assist you with making sure all of your needs are met, by preparing one or all of the following documents:

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LAST WILL

Having a last will in place will make sure your estate goes to whom you want, when you want, the way you want. When you have a well thought out and executed will, you feel safe and secure that no matter what happens you have a plan to deal with it and you have your team in place to carry it out. This allows you to put those concerns out of your mind and enjoy your life.

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LIVING TRUST

A living trust can save your heirs legal fees, taxes and time in settling your affairs. By planning ahead with a trust, you can shorten the settlement process, and avoid assets getting tied up in lengthy

estate proceedings.

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HEALTH CARE POWER OF ATTORNEY A health care power of attorney allows you to document your wishes regarding medical care and guarantees these wishes will be carried out if you become disabled. About half of all people today have a period of disability before they die. A health care power of attorney can also allow you to name someone to make decisions about your medical treatment if you are unable to make them yourself.

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FINANCIAL POWER OF ATTORNEY A financial power of attorney provides authority for someone to act on your behalf in case you become incapacitated. A financial power of attorney takes effect if the principal becomes incompetent or is otherwise incapable of handling his or her affairs. Many individuals name someone as their agent for financial matters in the event that they become unable to make their own decisions or if they are unable to due to military status, travel abroad, or extended illness.

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Everything you need in one comprehensive package.

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