Agente de Ventas Independiente

Transcription

1 Enviar a: Financial Education Services, PO Box 68, Farmington, MI Teléfono: (248) , option 2 Fax: (972) RepSupport@myfes.net Si se está inscribiendo como individuo, por favor inscribirse con su primer nombre, apellido y número de Seguro Social. Si se está inscribiendo como negocio, favor de proporcionar el nombre de la empresa y Federal Tax ID #. Toda la documentación, incluyendo sus estados de comisiones y 1099, reflejará el nombre y la información proporcionada. Número de Seguro Social: Fecha de Nacimiento: Sr Sra Nombre de Pila Apellido Ini de Seg Nombre Completar sólo si la comisión se pagará a la empresa: Nombre De Empresa FIN Dirección Apt/Suite Ciudad Estado Código Postal Teléfono de la casa Teléfono de trabajo Teléfono Móvil Pago: $286 FES Protection Plan Membership [$199 Cuota del Agente + $87 FES Protection Plan] La inscripción en la membresía del Plan de Protección requiere tanto de un formulario de solicitud del Agente de Ventas Independiente y el formulario de solicitud FES Plan de Protección que se presentarán. Asegúrese que ambas aplicaciones se incluyen en su presentación. Visa MasterCard Discover American Express Número De Tarjeta De Crédito: CVV Fecha De Expiración Nombre Del Titular De La Tarjeta: Facturación Dirección: Ciudad: Estado: Código Postal: La información de pago que falta o no válido puede retrasar el proceso de solicitud. Por favor verifique que la información anterior es correcta antes de su presentación. Favor acepte esta solicitud e inscribame como un Representante de Ventas Independiente. Esta aplicación está sujeta a todos los términos y condiciones de inscripción adjuntas o referenciadas en esta aplicación. Please accept this application and enroll me as an Independent Sales Representative. This application is subject to all the terms and conditions of enrollment attached to or referenced in this application. Firma del solicitante fecha Reclutador Nombre del agente: Patrocinador Agente ID: Patrocinador Nombre del agente: Patrocinador Agente ID:

2 Información de la Comisión Por favor seleccione una opción a continuación para recibir su comisión por depósito directo. Complete la información de la cuenta necesaria a fin de evitar retrasos en sus pagos de comisiones. Deposite mi comisión a mi cuenta personal de cheques / ahorros.* Autorizo a FES para depositar electrónicamente mi comisión a la cuenta especificada. Entiendo que un cargo de $ 4.00 será llevado a cabo de cada pago de la comisión semanal. Nombre del banco: El Titular de Cuenta Nombre: Cuenta de Cheques Cuenta de Ahorros Número de Cuenta: Número de Ruta: No tengo información de mi cuenta disponible en este momento, pero voy a enviar por fax un formulario de Depósito Directo completado (ubicado en mi Oficina de Negocios ) a con la información de cuenta necesaria. *Al seleccionar la opción de depósito directo, usted autoriza FES para recuperar el dinero depositado electrónicamente en su cuenta ( s ) por error, ya sea mediante el ajuste o debitando la cuenta ( s ), o la retención de los pagos futuros. También está indicando que entiende que se le notificará por FES si se están haciendo ajustes o débitos. En el caso de un depósito devuelto, FES puede cobrar una cuota de $ 25 para gastos bancarios ocasionados.

3 Financial Education Services, Inc. Independent Sales Representative Agreement 1. Authorization and Contract. By executing the Financial Education Services Independent Sales Representative Agreement ("ISR Agreement" or "Independent Agent Agreement"), you apply for legal authorization to become a Financial Education Services business owner and enter into contract with Financial Education Services, Inc., hereinafter "FES." You acknowledge that prior to signing you have received, read and understood the FES Income Disclosure Statement, that you have read and understood the FES Policies and Procedures, which are incorporated into this Agreement and made part of it as if restated in full, as posted on and that you have read and agree to all terms set forth in this Agreement. FES reserves the right to reject any application for any reason within 30 days of receipt. 2. Expiration, Renewal, and Termination. The term of this Agreement is one year (subject to prior cancellation or disqualification as provided in the Policies and Procedures). If you fail to annually renew your FES business, or if it is canceled or terminated, you understand that you will permanently lose all rights as a Independent Agent. You shall not be eligible to sell FES services nor shall you be eligible to receive royalties, bonuses, or other income resulting from the activities of your former downline sales organization. In the event of cancellation, termination or nonrenewal, you waive all rights you have, including but not limited to property rights, to your former downline organization and to any bonuses, commissions or other remuneration derived through the sales and other activities of your former down line organization. FES reserves the right to terminate all Independent Agent Agreements upon 30 days notice if the Company elects to: (1) cease business operations; (2) dissolve as a business entity; or (3) terminate distribution of its services via direct selling channels. Independent Agent may cancel this Agreement at any time, and for any reason, upon written notice to FES at its principal business address. FES may also cancel this agreement if the FES Independent Agent breaches any of the provisions as stated in the companies policies and procedures manual. 3. Independent Contractor Status. You agree this authorization does not make you an employee, officer, or legal representative of FES or your Sponsoring Independent Agent. As a self employed independent contractor, you will be operating your own independent business, buying and selling services available through FES on your own account. FES has the right to control or direct only the result of your work and not what will be done or how it will be done. FES will determine the time, place and manner of agent enrollment, suspension or termination, but you have complete freedom in determining the number of hours that you will devote to your business, and you have the sole discretion of scheduling such hours. You will receive IRS Form 1099 MISC issued to the EIN or social security number on your account reflecting the amount of income paid to you during the calendar year. It will be your sole responsibility to account for such income on your individual income tax returns. 4. Presenting the Plan. You agree when presenting the FES Compensation Plan to present it in its entirety as outlined in official FES materials, emphasizing that sales to end consumers are required to receive compensation in the form of bonuses on downline volume. In presenting the plan to prospects, you agree not to utilize any literature, materials or aids not produced or specifically authorized in writing by FES. You agree to instruct all prospective Independent Agents to review the FES Income Disclosure Statement. 5. Selling the Service. You agree to make no representations or claims about any of the services beyond those shown in official FES literature. You agree to sell services available through FES only in authorized territories. You further agree that as an independent agent of FES, you are not authorized to offer or sell, and will not offer or sell, any credit repair or restoration services for FES. 6. FES's Proprietary Information and Trade Secrets. You recognize and agree that, as further set forth in the Policies and Procedures, information compiled by or maintained by FES, including Line of Sponsorship (LOS) information (i.e., information that discloses or relates to all or part of the specific arrangement of sponsorship within the FES business including, without limitation, Independent Agent lists, sponsorship trees, and all FES Independent Agent information generated therefrom, in its present or future forms), constitutes a commercially advantageous, unique and proprietary trade secret of FES, which it keeps as proprietary and confidential and treats as a trade secret. During the term of your contract with FES, FES grants you a personal, non exclusive, non transferable and revocable right to use trade secret, confidential, and proprietary business information (Proprietary Information), which includes, without limitation, LOS information, business reports/ manufacturing and service developments/ and Independent Agent sales, earnings and other financial reports to facilitate your FES business. 7. Non Solicitation Agreement. in accordance with the Policies and Procedures, you agree that during the period while you are a Independent Agent, and for one calendar year following resignation, nonrenewal, or termination of your business, you will not encourage, solicit/ or otherwise attempt to recruit or persuade any other FES Independent Agent to compete with the business of FES. 8. Images / Recordings / Consents. You agree to permit FES to obtain photographs, videos, and other recorded media of you or your likeness. You acknowledge and agree to allow any such recorded media to be used by FES for any lawful purpose, and without compensation.

4 9. Modification of Terms. The terms of this Agreement may be modified as specified in Rule 1 in the Policies and Procedures. 10. Jurisdiction and Governing Law. The formation, construction, interpretation, and enforceability of your contract with FES as set forth in this Independent Agent Agreement and any incorporated documents shall be governed by and interpreted in all respects under the laws of the State of Michigan without regard to conflict of law provisions. Louisiana residents: notwithstanding the foregoing, Louisiana residents may bring an action against FES with jurisdiction and venue as provided by Louisiana law. 11. Fax copy. A faxed copy of the Agreement shall be treated as an original in all respects. 12. Dispute Resolution. All disputes and claims relating to FES, its services, the rights and obligations of an Independent Agent and FES, or any other claims or causes of action relating to the performance of either an Independent Agent or FES under the Agreement or the FES Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Farmington Hills, Michigan, or such other location as FES prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association. Additionally, you agree not to initiate or participate in any class action proceeding against FES, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent FES from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other proceeding. 13. Time limitation. If an Independent Agent wishes to bring an action against FES for any act or omission relating to or arising from the Agreement, such action must be brought within one year from the date of the alleged conduct giving rise to the cause of action. Independent Agent waives all claims that any other statutes of limitations apply. 14. Miscellaneous. If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and FES and supersedes any prior agreements, understandings and obligations between you and FES concerning the subject matter of your contract with FES. 15. Montana residents: A Montana resident may cancel his or her Independent Agent Agreement within 15 days from the date of enrollment. 16. Notice of Right to Cancel. You may request a refund on your enrollment fee if it's done within three business days from the date of enrollment. If you cancel, any enrollment fees paid will be returned within TEN BUSINESS DAYS following receipt by FES of your cancellation notice. To cancel this transaction, notify agent support by phone or not later than midnight of the third business day following the date of this agreement. No refunds will be issued after the cancellation period. 17. Submission of Electronic W 9. Under penalty of perjury, I certify that (1) the number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and (2), I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and (3) I am a U.S. Citizen or other U.S. person. Firma Fecha

5 Youth Financial Literacy Foundation Independent Sales Representative Agreement 1. Limited Agency. Simultaneously with your enrollment as an Independent Agent of Financial Education Services, Inc. (FES) for the purpose of selling its various non-credit repair services and products, you may also enroll as an Independent Agent for the purpose of selling the credit restoration service products offered by Youth Financial Literacy Foundation ( YFL ). YFL is exempt under the Credit Repair Organization Act (15 U.S.C. ''1679, et. seq.) as a charitable organization which is tax exempt under '501(c)(3) of the Internal Revenue Code, and is not a federal credit repair organization. As such, you are authorized to refer potential customers to a website approved by YFL for the purpose of customer enrollment for credit restoration services. You are not authorized to act on behalf of YFL for any other purpose. 2. You do not have the power to bind YFL to any contract or to sign any document on behalf of YFL, to accept any moneys from a consumer on behalf of YFL, to perform any credit restoration services for any consumer, or to provide any customer support to any customer of YFL. All agreements, funds, services and customer support with respect to credit restoration services will be handled exclusively by YFL directly and its employees authorized to act on its behalf. Pursuant to an agreement between FES and YFL, FES also performs certain administrative services of behalf of the sales force of YFL independent sales representatives. Accordingly, as an agent of YFL, your payment and compensation will be processed by FES as the administrative agent on behalf of YFL. If you have any questions or concerns about your status as an agent of YFL, please direct them to its administrative agent, i.e., FES. 3. Authorization and Contract. By executing this Independent Sales Representative Agreement ( ISR Agreement or Independent Agent Agreement ), you acknowledge that prior to signing you have received, read and understood the YFL Income Disclosure Statement, that you have read and understood the YFL Policies and Procedures, which are incorporated into this Agreement and made part of it as if restated in full, and that you have read and agree to all terms set forth in this Agreement. YFL reserves the right to reject any application for any reason within 30 days of receipt. 4. Expiration, Renewal, and Termination. You will be recognized as an agent of YFL to the same extent, under the same terms and conditions, and for the same term, as are applicable to you as an independent sales representative of FES. As a limited agent of YFL, you are covered by the same policies and procedures as you are as an agent of FES. If you have a change in status as an independent sales representative of FES, it will be mirrored in your relationship with YFL for administrative purposes. 5. Independent Contractor Status. You agree this authorization does not make you an employee, officer, or legal representative of YFL or your Sponsoring Independent Agent. As a self employed independent contractor, you will be operating your own independent business, buying and selling services available through YFL on your own account. YFL has the right to control or direct only the result of your work and not what will be done or how it will be done. You have complete freedom in determining the number of hours that you will devote to your business, and you have the sole discretion of scheduling such hours. You will receive an IRS Form 1099 MISC issued by the administrative agent for YFL to the EIN or social security number on your account reflecting the amount of income paid to you during the calendar year. It will be your sole responsibility to account for such income on your individual income tax returns. 6. Selling the Service. You agree to make no representations or claims about any of the services beyond those shown in official YFL literature. You further agree to sell services available through YFL only in authorized territories. 7. YFL's Proprietary Information and Trade Secrets. You recognize and agree that, as further set forth in the Policies and Procedures, information compiled by or maintained by YFL, including Line of Sponsorship (LOS) information (i.e., information that discloses or relates to all or part of the specific arrangement of sponsorship within the YFL business including, without limitation, Independent Agent lists, sponsorship trees, and all YFL Independent Agent information generated therefrom, in its present or future forms), constitutes a commercially advantageous, unique and proprietary trade secret of YFL, which it keeps as proprietary and confidential and treats as a trade secret. During the term of your contract with YFL, YFL grants you a personal, non exclusive, non transferable and revocable right to use trade secret, confidential, and proprietary business information (Proprietary Information), which includes, without limitation, LOS information, business reports/ manufacturing and service developments/ and Independent Agent sales, earnings and other financial reports to facilitate your YFL business.

6 8. Non Solicitation Agreement. in accordance with the Policies and Procedures, you agree that during the period while you are a Independent Agent, and for one calendar year following resignation, nonrenewal, or termination of your business, you will not encourage, solicit/ or otherwise attempt to recruit or persuade any other YFL Independent Agent to compete with the business of YFL. 9. Images / Recordings / Consents. You agree to permit YFL to obtain photographs, videos, and other recorded media of you or your likeness. You acknowledge and agree to allow any such recorded media to be used by YFL for any lawful purpose, and without compensation. 10. Modification of Terms / Copies. The terms of this Agreement may be modified as specified in Rule 1 in the Policies and Procedures. 11. Jurisdiction and Governing Law. The formation, construction, interpretation, and enforceability of your contract with YFL as set forth in this Independent Agent Agreement and any incorporated documents shall be governed by and interpreted in all respects under the laws of the State of Michigan without regard to conflict of law provisions. Louisiana residents: notwithstanding the foregoing, Louisiana residents may bring an action against YFL with jurisdiction and venue as provided by Louisiana law. 12. Dispute Resolution. All disputes and claims relating to YFL, its services, the rights and obligations of an Independent Agent and YFL, or any other claims or causes of action relating to the performance of either an Independent Agent or YFL under the Agreement or the YFL Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Farmington Hills, Michigan, or such other location as YFL prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association. Additionally, you agree not to initiate or participate in any class action proceeding against YFL, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent YFL from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other proceeding. 13. Time limitation. If an Independent Agent wishes to bring an action against YFL for any act or omission relating to or arising from the Agreement, such action must be brought within one year from the date of the alleged conduct giving rise to the cause of action. Independent Agent waives all claims that any other statutes of limitations apply. 14. Miscellaneous. If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and YFL and supersedes any prior agreements, understandings and obligations between you and YFL concerning the subject matter of your contract with YFL. A faxed copy of the Agreement shall be treated as an original in all respects. 15. Montana residents: A Montana resident may cancel his or her Independent Agent Agreement within 15 days from the date of enrollment. 16. Notice of Right to Cancel. You may request a refund on your enrollment fee if it's done within three business days from the date of enrollment. If you cancel, any enrollment fees paid will be returned within TEN BUSINESS DAYS following receipt by YFL of your cancellation notice. To cancel this transaction, notify agent support by phone or not later than midnight of the third business day following the date of this agreement. No refunds will be issued after the cancellation period. Firma Fecha

7 FES Protection Plan Solicitud de Inscripción AGENTE Enviar a: FES Protection Plan, PO Box 417, Farmington, MI Teléfono: (248) Fax: (248) Número de Seguro Social: Fecha de Nacimiento: Sr Sra Nombre de Pila Apellido Ini de Seg Nombre Dirección Apt/Suite Ciudad Estado Código Postal Teléfono de la casa Teléfono de trabajo Teléfono Móvil Pago Mensual: $87.00 [El método de pago utilizado será sometido mensualmente para su Plan de Protección FES] Visa MasterCard Discover American Express Número De Tarjeta De Crédito: CVV Fecha De Expiración Nombre Del Titular De La Tarjeta: Facturación Dirección: Ciudad: Estado: Código Postal: El departamento de procesamientos de pagos de FES se cargará de su cuenta como se indica para el pago mensual cada 30 días de su pago inicial y cada mes siguiente, hasta el momento que el servicio sea cancelado. La información falte o que no sea válida puede atrasar el proceso de su solicitud. Favor de verificar que la información este correcta antes de ser sometida. Favor de aceptar mi solicitud e inscribirme en el Plan de Protección FES. Entiendo que un pago automático de $87 se efectuará a partir de la cuenta proporcionada arriba cada mes. He leído y entendido los Términos y Condiciones de Inscripción. Please accept my application and enroll me in the FES Protection Plan. I understand that an automatic payment of $87 will be made from the account provided above each month. I have read and understand the Terms and Conditions of Enrollment. Firma del solicitante Fecha Patrocinador Nombre del agente: Patrocinador Agente ID: Sólo para uso interno Date Received: Amount Received: User Initials: Approval Code:

8 FES Protection Plan Solicitud de Inscripción AGENTE Agent Terms and Conditions Financial Education Services, Inc. ("FES") is primarily engaged in selling financial education services and products. The term you refers to the agent/enrollee. The FES Protection Plan includes Credit Builder, Credit Restoration, Credit Attorney, Smart Credit, FES Debt Zero, LifeLock: Identity Theft Protection, MyCare Plan, Financial LockBox, Term Policy Life Insurance* and additional benefits. The FES Protection Plan requires activation of each individual program (excluding LifeLock) and you can activate each service individually at any time. Until you activate each service, you will not be eligible to receive the benefits of it. To activate a service will not require any additional payment, and your account will remain active as long as you are enrolled and are current on your monthly payments. FES cannot guarantee specific results in regard to any financial product as the results obtained are dependent on a variety of factors, some of which are outside the control of FES. * Term Life Policy is available only to Form 1099 Independent Sales Representatives of Financial Education Services. You understand and authorize Financial Education Services, Inc. (FES) to charge you $87 per month, unless you notify FES of your intent to cancel your enrollment in the FES Protection Plan. Payments will be automatically debited from the payment method provided - credit or debit card or checking account. Failure to make your payment on the established due date will result in suspension/cancellation of all activated programs. You may cancel this contract within three (3) business days after enrollment and receive a full refund. After three (3) business days, you may be eligible to receive a refund on the current month s payment. No refunds will be issued on past billing cycles, or similar products previously purchased. If you are currently enrolled in one of these four services, you will not be eligible to activate the FES Protection Plan version until the current product enrollment expires. Additionally, all previous enrollments must be paid in full in order to activate the FES Protection Plan version. If paying by check, your check may be electronically deposited. For any late payment received after the due date, a $20 fee will be applied, including declined charge payments and ACH payments. FES is an authorized marketing agent for United Credit Education Services ( UCES ) with respect to all credit restoration service products, including without limitation, Positive Credit Builder. UCES is exempt under the Credit Repair Organization Act (15 U.S.C. 1679, et. seq.) as a charitable organization which is tax exempt under 501(c)(3) of the Internal Revenue Code, and is not a federal credit repair organization. All credit restoration services or products purchased from an Independent Agent of FES are performed by employees of UCES and the customer must look to UCES, not FES, for customer service and/or any remedies with respect to the same. Similarly, FES is an authorized marketing agent for the LifeLock identity theft protection service, the International Bancard merchant processing service, Smart Credit interactive credit report, and various other financial services and products provided by other companies which are offered for sale by agents of FES. All such third party financial services and products are provided by their respective principals, not FES (which is acting solely as an agent on behalf of these other companies). All financial services or products purchased from an Independent Agent of FES on behalf of third party principals are provided by such principals and the customer must look to such third party principals, not FES, for customer service and/or any remedies with respect to the same. All consumer contracts for credit restoration services, identity theft protection services, merchant processing services, and any other financial product or service provided by a third party, shall for all purposes hereunder be deemed made between the customer and such third party provider, to which FES is not in privity of contract. The formation, construction, interpretation, and enforceability of this Agreement between you and FES as stated here or in any incorporated documents will be governed by and interpreted in all respects under the laws of the State of Michigan without regard to conflict of law provisions. All disputes and claims relating to FES, its services, the rights and obligations of an Independent Agent and FES, or any other claims or causes of action relating to the performance of either an Independent Agent or FES under the Agreement of the FES Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Farmington Hills, Michigan, or such other location as FES prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association. Additionally, you agree not to initiate or participate in any class action proceeding against FES, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent FES from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other preceding. Louisiana residents: notwithstanding the foregoing, Louisiana residents may bring an action for arbitration against FES in the State of Louisiana governed by Louisiana Law. If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and FES concerning the subject matter of your relationship with FES. Because federal, state, and local laws, as well as the business environment, periodically change, FES reserves the right to amend this Agreement and the prices in its FES Product Price List in its sole and absolute discretion. Notification of amendments shall appear in Official FES materials. Amendments shall be effective upon publication in Official FES Materials, including but not limited to, posting on the FES website, distribution, publication in an FES newsletter, product inserts, or any other commercially reasonable method.

9 FES Protection Plan Solicitud de Inscripción AGENTE POSITIVE CREDIT BUILDER/CREDIT RESTORATION The Positive Credit Builder service is provided by United Credit Education Services ( UCES ). UCES is exempt under the Credit Repair Organizations Act (15 U.S.C. 1679, et seq.) and is not a federal credit repair organization. All credit restoration services or products purchased from FES or one of its Independent Agents are performed by employees of UCES, not FES. UCES promotes the financial well-being of individuals through each person s faith in himself or herself to overcome financial adversity, to believe in the empowerment of the individual through faith and to have the belief that things can and will get better. By activating your account, you authorize UCES to obtain your credit reports for the purpose of preparing credit analyzer reports. You are eligible for a new credit score and analyzer update every 12 months upon request to UCES Customer Support. If you choose to dispute items on your credit report, the credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. UCES cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of UCES, including your ability to repay creditors, the cooperation of your creditors, and the credit reporting agencies' ability to verify information provided to them. For LA Residents ONLY Disclosure Statement: Pursuant to section of the Credit Repair Services Organization Act ( Act ), a buyer entitled to damages from a credit repair organization has the right to proceed against the surety bond obtained by the credit repair services organization under section of the Act. This Disclosure Statement must be provided to the buyer of credit repair services before execution of any contract or agreement or payment of any money or other valuable consideration. Buyer acknowledges receipt of this Disclosure Statement before execution of any contract or agreement or the payment of any money or other valuable other consideration. MYCARE PLAN MyCare Plan will provide to you the following: Last Will, Living Trust, Financial Power of Attorney, and Health Care Power of Attorney. Once you have been enrolled, you will be responsible to answer a series of questions that will be used to create your MyCare Plan documents. There is no time limit when completing the MyCare Plan section documents; however, the will and trust and powers of attorney cannot be produced without all of the necessary information. FES document preparation service includes a review of your answers for completeness, spelling and grammar, as well as internal consistency of names, addresses and the like. At no time do we review your answers for legal sufficiency, draw legal conclusions, provide legal advice, or apply the law to the facts of your particular situation. Our document preparation service is not a substitute for the advice of an attorney. By using our document preparation service, no attorney-client relationship will be created with FES or any affiliate. The information and material provided on our Web site is solely for informational purposes and is educational in nature. The law is different from jurisdiction to jurisdiction, and is also subject to interpretation by different courts. Therefore, if you need legal advice for your specific case, or if your specific case is too complex to be addressed by our services, you should consult a licensed attorney in your area. LIFELOCK LifeLock account activations for new clients that enroll between the 1st and 25th of the month occur by the first of the upcoming month. Enrollments received between the 26th through the last day of the month, will be processed by the first of the following month. (Example: If you enroll on February 20, LifeLock will process your enrollment by March 1st. If you enroll on March 30, LifeLock will process your enrollment by the first of May). TERM LIFE INSURANCE POLICY The Term Life Policy is available only to Form 1099 Independent Sales Representatives of Financial Education Services. The offer of insurance is void as to all other persons. Activation period: 90 days of continuous enrollment in the FES Protection Plan. Eligibility for Coverage: To participate in the term life insurance program provided by Symetra Insurance Company, you must be an active 1099 participating representative of Financial Education Services. An active 1099 participating representative is defined as someone who is active on the FES Protection Plan for a minimum of 90 days, and is involved in building the organization by either: (1) submitting retail sales or (2) recruiting independent representatives in the last 3 months. Firma Fecha