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Protection Plan Script Is (name) available? My name is (your name) with Financial Education Services. (If you are initiating the call, reference where you got their contact information. If it is a business, mention that you are teaming up with that business to help people with recovery or positioning people to make a purchase, etc). (Someone may also be calling you because of a post you made on social media, if you have road signs out, from a car magnet, if you’ve left brochures at various places, or someone has referred someone to you). Hello, can I help you? Ok, my name is (your name) with Financial Education Services, and who am I speaking with please? Great, and is this a good contact number to reach you if for some reason we were to get disconnected? (If you didn’t get their number on caller ID, ask for their number first before moving on). Hey (first name), it would be helpful to ask you a couple of quick questions, and then I’ll be glad to share with you how our service can help you. First, is there something specifically you’re trying to achieve, like a major purchase? (Unless you already know the specific reason they need their credit score increased). And is there a certain timeframe in which you’re trying to accomplish this goal? Note: You will be using these answers to show the value of the price of the service later in the process. Ok, got it, do you know your current credit score? Do you know what type of challenges or negative items that appear on your credit report? And do you currently have any positive accounts that are working to help your credit now, like a mortgage, car note, credit cards? Do you rent or do you own your own home? And you’ll understand why I’m asking you these questions later. Note: You ask these questions because it places you in a position to answer their questions better, enables you to give the client confidence that you know what you are talking about and that our service can help them and allows you to use testimonials of the people who’ve had similar challenges and the success they’ve had with the service. Well (first name), the service we offer is called the Protection Plan, which is an array of services that works from every angle to get your credit score to the highest level and then we do everything in our power to support, monitor and protect that great credit rating once you have it. So our flagship product within the Protection Plan is our credit restoration service. I’m not sure how familiar you are with the way the credit bureaus work. Most people think they’re government agencies, but they are privately held companies and, by law, they are supposed to verify that everything on your credit reports is 100% accurate, which they don’t do. So because of the unfair and flawed credit system, we’re able to leverage your rights under the Fair Credit Reporting Act; rights most people don’t even know they have. These rights allow us to help consumers dispute any item on their credit reports; so a lot of the times those items can potentially be deleted because many of these things will be unverifiable. That means any erroneous, inaccurate, obsolete item, such as a late payment all the way up to a bankruptcy or anything in between (Include whatever items they may have mentioned to you) could potentially be removed from your credit reports; and of course that could really increase your credit score. Now in addition to credit restoration, the other services included in the Protection Plan that will make a huge difference in increasing your credit score are Positive Credit Builder, a tool that teaches you other things you can do to increase your score, like how to add positive trade lines; and DebtZero, a step-by-step process on how to pay off debts faster and more effectively, because lowering debts leads to a higher credit score.

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We also have credit attorneys available, who may analyze and review your case and take an aggressive approach to getting you a positive result for your credit. And then you’ll have credit monitoring, so you can see the movement in your credit score and also continually monitor any changes to your credit reports 24/7. Another thing is, we would hate to see your credit rating or good name destroyed because of identity theft; so within your Protection Plan you’ll be protected with LifeLock, the most widely used and proven identity theft program in America today. Now in addition to all of these credit related services to help you get that credit score you’re looking for, the Protection Plan also provides some other vital services to protect your family and assure that all your personal and financial affairs are in order, as well as getting some excellent discount savings benefits. One last thing, you can have tremendous confidence in our service as we’ve been providing high quality and documented results for our clients since 2004. We are an accredited company with the Better Business Bureau and have an A+ rating, the highest rating you can have, and most importantly, we stand behind our service with our 100% satisfaction guarantee. So, (first name) are there any other specific questions that maybe I didn’t answer in my explanation? How much does it cost? (REDUCE TO THE RIDICULOUS!) Well, I’m not sure how familiar you are with our industry, but there are companies offering far inferior services with fees costing thousands of dollars, or that have monthly fees of $100 or more per month for just one service. But our service is nowhere close to that. We bundle all of our services into one powerful membership for a low one-time setup fee of $99 and a low monthly fee of $89. Which, if you think about it, is around $3 per day. I know you said you wanted to buy a house, a car (fill in the blank); so the sooner we start your service, the better. And I have to believe that $3 a day is worth accomplishing your goal, isn’t it? Great, so can we get your service started today, it will only take a few minutes? If they say yes… Great, I just need to get some information, what is the correct legal spelling of your name? And your address? And is this an address you can verify, by either having it appear on your drivers license or on a current utility bill? Ok, good. (If not, ask, do you have an address that you can use where this would be the case, or ok, once we get you enrolled in the service, one of our credit service specialists will help you figure that out). And the best phone number you can be reached? And your email address? And your date of birth? And your social security number? (Ask for their information in this order. People will feel more comfortable giving their SS# after you’ve asked for all their other less secure information) And will you be using a Visa, MasterCard, American Express or Discover card? And the card number is? Just to make sure, the card number is (repeat it back to them). And the expiration date? And the three-digit security code on the back of the card? (if it’s an American Express, it’s a four digit code all the way to the right above the actual card number on the front of the card). Ok, great, and the name on the card is your name? And is the billing address the same as the address you’ve given me? (If not, get the correct billing address information). So today, your first payment will be $188 and then, starting in 30 days, it will be only $89 per month. (Once you take an application and collect payment, your job is not finished. It is your responsibility to make sure that your client provides address and social security verification to FES. The best and fastest solution is to either take a picture of their verification documents with your phone or have them do it themselves with their own phone and then make sure those pictures are emailed to documents@fesprotectionplan.com) One final thing to make sure you get the best and fastest results possible; the credit bureaus require that each client verifies their current mailing address and their social security number. So does your driver’s license verify the address you’ve given me? (If not), Do you have a utility bill that verifies the address you’ve given me? Great. And, do you have access to your social security card so we can get a copy of that? (If not) Do you have a tax document, like a w-2 or 1099 or a health insurance card that shows your social security number? Do you think you can you take a picture of those two things with your phone? And when can you do that? Perfect. Make sure you email that over ASAP, to documents@fesprotectionplan.com because your service will not begin until they have those verification documents, ok. Great.

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(If the client mentioned they are renting) Also (name), earlier you mentioned you were renting? How long have you been renting? Are you currently getting credit for your rental payments as a positive trade line to help your credit score? I’m sure you may already know this, but rent, which is usually someone’s largest monthly expense, does not get reported like a mortgage. However, we have a program that will report your rent and, as long as it’s paid on time, it will reflect as a positive trade line. As a matter of fact, the program can go back as far as 2 years, so that could be a real boost to your credit score. And it’s a pretty low cost. Would you like me to explain how that works? (Explain how the service works and the costs associated with it). So (name) that’s it. I’m going to get all of this processed and you should expect to hear from the company via email very soon. The company does an amazing job at being in touch and supporting you in this process. So once you receive your email confirmation with your service, don’t hesitate to call the company with any questions or anything at all; but of course, feel free to call me if you need any further assistance.

Answers To Possible Questions & Objections

How long do I have to stay on the service or pay this monthly fee? Well, how serious are you about your credit score and protecting your family, assets and finances? Let me explain it in simple terms. This is like a gym membership; if you were going to a gym and, let’s say it took 6 months to get in great shape, feel good, be healthy and look good. But then in 6 months, you dropped your membership. Wouldn’t you lose everything you worked so hard to gain? So you have to look at this like your financial gym membership. First you have the building portion of your membership to get strong and then you have the maintaining portion of your membership to make sure you keep everything you worked to gain. So consider this a lifetime membership although, just like a gym membership, there’s no obligation or contract, so you have the flexibility to not have a membership. However, at this point, you should just consider it a lifetime membership, but let’s get you using all of the services in the membership and then we can revisit the options in at least 6 months. Fair enough? I don’t want to pay a monthly fee: Well, let me ask you this, you’re looking to get the best results possible aren’t you? And if we know this is the best approach to take and it’s our most utilized method, what is your hesitancy with paying monthly for a service that will help you in so many ways? And it works out to less than $3 a day. You said in the beginning of our conversation you wanted to (buy a house, car, etc.), that’s certainly worth $3 a day, isn’t it? I don’t have the money: Well, are you serious about restoring your credit? Because it’s only $188 to get started and the most important thing to understand is that’s it’s a process, so the longer it takes you to get started, the longer it takes to significantly increase your credit score. (If they say they don’t even have the $188, then there is an opening here to possibly transition them to being an Agent or possibly discounting the activation fee if necessary). (They can become an Agent for $288 and can earn money. You can explain how they can get the service for free). (If there is no way to enroll them immediately). Ok, then let’s do this; let’s get an application for you on file and then we’ll figure out a specific time that we can get the payment together, fair enough? What is the correct legal spelling of your name? And your address? And is this an address you can verify, by either having it appear on your drivers license or on a current utility bill? Ok, good. (If not, ask, do you have an address that you can use where this would be the case; or ok, once we get you enrolled in the service, one of our credit service specialists will help you to figure that out). And the best phone number where you can be reached? And your email address? And your date of birth? And your social security number? (Ask for their information in this order. People will feel more comfortable giving their SS# after you’ve asked for all their other less secure information) And what form of payment will you be using when we get you started? Visa, MasterCard, American Express or Discover? And the card number is? Just to make sure, the card number is (repeat it back to them). And the expiration date? And the three-digit security code on the back of the card? (if it’s an American Express, it’s a four digit code all the way to the right above the actual card number). Ok, great, and the name on the card is your name? And the billing address is the same as the address you’ve given me? (If not get the correct information). Ok, (name) what is the specific date as to when we can process your application? (They may not give you their payment information or if they do, they may give you a specific date to have you call them first before processing it). Ok, we

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will get your service going on (the date). Or, I will give you a call back on (the date). Meanwhile, if you’re able to get your service started sooner or if you have any additional questions or need my assistance, feel free to call me. (Double check to make sure they have your number). What would be a good date to follow up with you? (If they say why don’t I call you when I can do it?) I can appreciate that (name), but based upon your goals (add specifics from what they told you. House, car, etc.), and the understanding that, without restoring your credit you won’t achieve those goals, would it be ok if I continued to follow up with you to see if we can make this happen? How long does the service take to see results? How quickly will these things come off my credit reports? Well, it can vary from person to person. Because of the inconsistencies of the credit bureaus, it’s very difficult to give you a specific timeframe; but we’ve seen people go from the low 500’s to the mid 700’s in 45 days and others it takes several months. And if we can’t help you, remember, we have a satisfaction guarantee. But that’s not going to be the case. The bottom line is we produce incredible results for our clients and I’m sure we’ll do the same thing for you. If they persist: Well you have to understand there are several factors involved in the length of time the process can take. Such as the type of negative credit items and the length of time they have been on your reports, but again, the results we’ve seen time and time again in the last 10 years have been extremely effective. We’ve seen bankruptcies deleted within the first 45 days, we’ve seen short sales deleted in 60 days, tax liens deleted within 60 days; we’ve seen 14 months of late payments reversed to reflect perfect payment history in 60 days, we’ve seen individuals with 15 to 20 derogatory items on their credit reports deleted within 45 to 60 days and we’ve also seen people, where it takes longer, like 6 months to a year to see those same results. But let me ask you this, how long have you had these credit issues? And if you don’t take action to change it, do you know when your credit score will ever increase? Because doing nothing won’t improve your credit score. Just know that the majority of our clients, who follow the system and work with our customer service team, achieve a positive credit score. Don’t/Will these items come back on my credit report? 99.9% of the items deleted from your credit reports will not appear again. In some very small cases, for instance, a collection being resold to a new collection agency, they might reappear under the new collection agency, because it’s a new company reporting it. That’s why, with open collections or late payments, it’s good to speak with one of our credit specialists to walk you through the best way to deal with those types of credit challenges. But the majority of the items that get deleted will not appear again. But also, you’ve got to try and maintain good payment history and continue to develop excellent credit habits so that you can not only get the highest credit score possible, but keep it, and I’m sure you want that, don’t you? Can you get my bankruptcy (or any other item they mention off my credit report)? Listen, any inaccurate, obsolete or erroneous items, such as the things you mentioned to me, your… (put all the things they mentioned when you gathered that information earlier), can potentially be deleted. So the real question is not whether it can be deleted, it’s a matter of when. That’s why it’s so important to be diligent and consistent, because the longer you’re utilizing the service, the better chance it has of being deleted. Remember, the alternative is doing nothing and that means you can have a lifetime of poor credit and just a ton of wasted money, because there’s no guarantee the credit bureaus will ever take it off. That makes sense doesn’t it? What if these negative items really are mine? The credit restoration process is simply to hold the credit reporting agencies accountable for verifying those items the way the Fair Credit Reporting Act calls them to do. Most people aren’t even aware that about 80% of all credit reports have errors on them. So our focus is as a consumer advocate, to help individuals leverage their rights and make sure that their credit reports are valid. Can you guarantee it will work? Well, we can’t just come right out and say we guarantee it will work, but what we can say is two things. Number one, the majority of our clients who follow the system and work with our customer service team, achieve positive credit improvement. And number two, we provide a satisfactory guarantee, so basically we get to tell our clients they have nothing to lose, other than their less than perfect credit. So, same for you… you have nothing to lose but your less than perfect credit and that’s obviously what you want, isn’t it? Just remember, if you do nothing, it’s pretty much a guarantee your credit score is going to stay exactly where it is.

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Is this legit or is this legal? (Laugh) I definitely understand why people might be concerned about this, because there are certainly some individuals or companies out there that, let’s just say, are not ethical. And, of course, I’m sure we’d agree that’s the unfortunate truth about any industry, but let’s put that aside for a second. There are two things to understand which will make you feel very comfortable and confident in both the service and Financial Education Services. The first, that credit restoration is a very legitimate and legal process. Back in 1970, the Fair Credit Reporting Act was formed to protect consumers and give them the right to investigate or dispute any item that is on their credit report because, oftentimes, credit reporting agencies don’t verify items as they should, and this act was created to hold those agencies accountable. Secondly, Financial Education Services and United Credit Education Services, who acts on your behalf to provide the service, have a very long-standing history and track record since 2004, are accredited with the Better Business Bureau and have an A+ rating. I’m sure you’d agree that if we weren’t legitimate, we probably wouldn’t have those kinds of credentials.

Who will help me if I have any questions, or do I call you if I have any questions? Listen, you can certainly feel free to call me with any questions or any assistance you need. But I can assure you that our customer service and credit specialists are not only standing by to answer your questions and assist you, but also to guide you through the process and help you to achieve the best credit score possible. It’s a benefit of your service; so don’t hesitate to contact them. Now, upon beginning your service, the company will actually reach out to you either via email or telephone and you can also expect mail correspondence as well. Remember, our client relations and customer service is the very reason we have an A+ rating with the Better Business Bureau and, of course, quality customer service is very important, isn’t it?

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NOTE: This phone script is to serve as a guide and should be studied and practiced so you sound natural and not like you’re reading from a script. You should use your own words and dialogue; but the key is to stay within the context of the script, so the individual you’re exposing the opportunity to, sees exactly what you saw.

GOAL: Your goal is to get people in front of a presentation that can explain FES. (www.Protectionthatpays.com, webinar, conference call etc…) Do not attempt to explain the opportunity or service over the phone on your own. Let the system work for you. Trying to explain will only provoke questions. Even when you have the answers, the most effective way is to let them see exactly what you saw, so they can make a decision as to whether this is a good fit for them or not.

DO NOT TELL...LESS DETAIL CREATES CURIOSITY! Send out a Text: Hey (name), when will you have a few minutes to talk?

If They Text Back: What do you want to talk to me about? Something positive, but just too hard to explain by text. When do you think you’ll have a few minutes?

Peer Script – Individuals Who Are Your Peers, Equals And Probably Your Closest Contacts Hey (name) (quick “how are you” exchange). Listen, I came across something that I think you would appreciate knowing about and would like to get your thoughts on it. When do you think you could spend a few minutes to see what I’m talking about?

What is it? Well, its really hard to explain, but let me ask you this, how many people do you think you know with less than perfect credit or how many people have an excessive amount of debt? Exactly! That’s why you’ll appreciate knowing about this; plus I’m looking forward to getting your feedback. I’m going to send you a link to watch a couple videos that will explain what I’m talking about. Should I email or text them to you? Ok great. Can you do it now or when is a good time for you to take a look at them? (Try to get a specific time) Ok, so I’ll send you the info and let’s catch up after you’ve watched the videos. Ok, talk to you soon. (Make sure you follow up with them after they have seen the videos. Send the text or email approximately 15 minutes prior to the time scheduled so it serves as a reminder for your prospect to watch the videos).

If They Persist With Questions: DON’T GET IN A Q&A SESSION! IT DOESN’T WORK! IT’S NOT DUPLICABLE!

Response: Hey (Name), honestly, the information is so new to me, I wouldn’t even know where to begin and if I try to explain, it’s not going to do it justice. If I could, I would! You’ll know exactly what I mean when you see what I’m talking about; you’ve got a few minutes, don’t you? Great! Watch the videos and then we’ll talk.

Or

Response: Come on (Name), how long have we known each other? So just trust me. You could have already watched them by now! Listen, if after you watch the videos, you have a bunch of questions, I’ll make sure they all get answered, fair enough?

Follow up questions: Hey (name), did you have a chance to watch the videos? It’s exciting isn’t it? Now you know why I wanted you to see them. So what’s your level of interest? Do you have no interest? Interested in the service? Or interested in the service and becoming an Agent? What caught your attention the most? (Whatever their positive response is, get them to see a full presentation…(if they haven’t already) video, webinar or live overview; or set up a 3-way call with your upline leader/expert – make sure to edify effectively!. See edification script)

FRIENDLY REMINDERS:

1. Be Excited! – Enthusiasm creates curiosity and is contagious. Create a sense of “Urgency”! 2. If you are scheduling someone to attend a live corporate overview, make sure you provide good details so they don’t get lost or confused. Or better yet, pick them up and bring them. (If you pick them up, they have to show up) 3. Confirm your appointments – Set specific times for people to do things. For example, if the appointment is scheduled for Tuesday, call and confirm on Monday. 4. Edify! Edify! Edify! Edify Your Expert! The opportunity to meet someone who is perceived as important is very motivating. 5. Don’t Prejudge! Anyone can lead you to someone and someone can lead you to the ONE! 6. Follow-up is the key – Make sure YOU do the follow-up right after the agreed time to watch the videos. Account for every single person you invite to look at the opportunity and/or the service. Always get a response, which leads to a source of referrals, customers and Agents.

Simple Personal Contact Script Friends, Family Members, Co-Workers, Business Affiliates & Acquaintances

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Approaches To Meeting New Contacts (When engaging in a conversation with a potential prospect it’s always a good idea to start with sincere compliments) “You’ve got a great attitude” “I appreciate your help or great service today” “You seem like a sharp guy/woman” “You’re doing a great job” “I like that car, jacket, shoes, etc” (Then continue by asking open-ended questions depending on the situation) What do you do? How long have you worked here? Is this all that you do? What do you like about it? What don’t you like about it? What are some of your career aspirations? (Do not rapid fire these questions, have a normal conversation, be interactive and pick your spots to ask the appropriate questions) (Once you have gathered some information, use the following catch phrases) “I can’t promise you anything.” “Let me see what I can do.” “We are actually expanding in this region right now.” “You have a card?” “We’re bringing on some new people” “Who knows, it could end up being a good fit for you” “Do you keep your options open?” “We’re looking for some great people right now, do you know anyone this might be a good fit for?” Example Number 1: Hey, I really appreciate your attitude. You know I work with a Financial Services Company, (Sales Director or above) and we’re actually expanding in this region right now, so, listen I can’t promise you anything, but do you keep your options open? Okay, good, I may be able to see if there is an opportunity with our company? Do you have a card? (If they say no) No problem, go ahead and jot down your name, number and email address. Again, I can’t promise you anything, but let me see what I can do. I’ll be in touch in the next day or so. Good talking with you. What do you do? Response: Let me ask you a question, how many people out there today have less than perfect credit or how many businesses do you know that accept credit cards? (Pause) Exactly, Again, I work with a Financial Services Company and we have array of amazing services everyone needs but our core product is our credit restoration service, which helps people significantly increase their credit score. But I can’t really get into all the details right now, so would you like me to see about getting you some information and if there are some possibilities with our company? Great, again, I can’t promise you anything, but let me see what I can do. I’ll be in touch in the next day or so. Good talking with you. You Can Also Use This In Example 1: Let me see what I can do, I’m going to speak with my Regional Sales Director and see if I can arrange the first step in getting you an opportunity with our company. I’ll, get back to you in the next 24 hours or so, sound good? Following Up With Your New Contact: Hello (name of contact), Its (your name), we met yesterday at the (name of location), you remember me, don’t you? Well, I’ve got some good news, I spoke with my Regional Sales Director and I was able to arrange a first step in the process of seeing about an opportunity with our company. So what you’ll need to do is take about 5 minutes to look at our quick corporate overview video to give you some basic information and see if it makes sense for us to go further than that, okay? When do you think you can take the 5 minutes to do this? (Try to get a specific time) Okay, great! I’ll send you the video around that time, would you prefer I send you the link to the video by email or by text? Okay then what I’ll do is follow up with you shortly after that and we will go from there. Fair enough? What is it? Well, as I asked you yesterday, how many people out there today have less than perfect credit or how many people have an excessive amount of debt? Exactly! So when you watch the video it will explain the ins and outs of what we do, that’s just the way our process works, fair enough? (Send the text or email approximately 15 minutes prior to the time scheduled so it serves as a reminder for your prospect to watch the video). - Keep the “spotlight” on your prospect. Keep them talking about themselves. - Remember people love to talk about themselves. If you are doing most of the talking you are probably talking too much. - You want to talk as little as possible about you and what you do. The best way to do this is to keep asking them questions about them! This is very important. - When in a social environment either you will be asked what you do or you will create an opening to say what you do. This gives you the opportunity to touch on what you do to peak interest and create curiosity. The less you say about what you do the more curious they will be to want more information. - Always stay professional and do not get overly excited.

Getting A Referral Script: (The Power Of One) Referral Script # 1 – The Simple Approach

When someone has seen the corporate overview (video or live overview) and they are a #1 (its not for them). Always remember the Power Of One! Ask for ONE referral. The chances of getting one referral are much greater than if you ask for a “list” of referrals.

There are two possible approaches: 1. Simple Approach – This script is designed more for the new Agent, the individuals with less experience

and those who are not yet comfortable with the advanced approach. 2. Advanced Approach – Referral script number 2 is designed more for veteran Agents who are ready to

overcome objections in addition to getting the referral.

The Simple Approach: (Always start your approach with): Listen (name), I’m sure you want to see me do well don’t you? – Or – You want me to succeed don’t you? (Odds are in your favor they will give you a positive response). Well, who do you know, just one person, one person you think this might be a good fit for? (Be quiet and wait for a response. They will either give you a name and contact info or they will claim they don’t know anyone, can’t think of anyone or need time to think about it). Response: You don’t know anyone? (Repeat their statement in the form of a question). You don’t know anyone in real estate, how about the mortgage business, the car business? You don’t know anyone with less than perfect credit or that has any credit challenges? You don’t know anyone that owns a business that accepts credit cards? Anyone? (Again, they will either give you a referral or may ask why you want a real estate contact or any of the others mentioned). Response: Because what I do can help them in what they do. Think about it, I mean sometimes realtors, mortgage brokers and car dealerships have unqualified buyers don’t they? And don’t you think if there were a way they could turn those unqualified buyers into qualified buyers and do more deals, they’d want to know about it? Exactly, so who do you know that we can help?

Response: (For Merchant Services Questions) Because it’s risk free to the business owner. All they have to do is be open for our company to do a price and service comparison and if our company can’t meet or beat their current merchant service providers fees your contact would get a $200 MasterCard gift card. But our program has literally saved business owners thousands of dollars a year depending on the amount of charges they run. They have nothing to lose and only something to gain, so why wouldn’t you want your contacts to have an opportunity to save money? You can give me one referral and see how it goes from there, can’t you?

When They Provide You With A Referral: Tell Your Referrer: When I call (name of contact), I’m just going to let them know that you thought highly of them and that you thought I had something they would appreciate knowing about. Okay?

Calling The Referral: (If they are not in a credit related business or have a business that accepts credit cards) Hi (referrals name) my name is (your full name) I’m a friend/acquaintance of (referrers full name) you know (referrers first name) don’t you? Ok great, well I just showed her/him something pretty unique and he/she thought it would be a good idea if we connected, do you have a minute? (Referrer’s name) felt like you may have an interest in a possible career with our company; let me ask you…do you keep your career options open?

What is it? Response: Well, let me ask you this, how many people out there today have less than perfect credit or how many businesses do you know accept credit cards? Exactly! And that’s why (referrers name) thought you’d appreciate knowing about this. So the best way to really understand what our company does and what we’re looking for is to watch our 10-minute corporate video that I will send you. When do you think you can take the 10 minutes to do this? (Try to get a specific time) Ok, great, I’ll send you the video around that time, would you prefer I send you the link to the video by email or by text? Also, what I’ll do is follow up with you some time after that to discuss whether this would be a good fit for you or not? Perfect, then I will talk to you soon. (Send the text or email approximately 15 minutes prior to the time scheduled so it serves as a reminder for your referral to watch the video).

Calling The Referral: (If they are in real estate, a credit related business or have a business that accepts credit cards) Hi (referrals name) my name (your full name) I’m a friend/acquaintance of (referrers full name) you know (referrers first name) don’t you? Ok great, well I just showed him/her something pretty unique and he/she thought it would be a good idea if we connected, do you have a minute? Well, (Referrer’s name) felt like you may have an interest in something that can really help you in your current career, would you be open to hearing about it?

What is it? Well, let me ask you, what do you do with your clients that can’t qualify to buy a (home, mortgage, car, loan, etc…) because of a low credit score?

They say nothing. Response: So, how many people do you think you turn away because of that? Well, if I could show you a way to get some of those potential clients to return as qualified buyers, you’d be open to that, wouldn’t you? (If you don’t yet have the experience and you’re not comfortable with this approach but they want information use your Sales Director or above and say this): What I’d like to do is set up an appointment to have my Sales Director get on the phone with you for a few minutes and take you through a demo that will explain the process of what we do. When would be a good time for you? Perfect. So we will call you (day/time) and if something changes between now and then I will certainly let you know. Good talking with you and we’ll talk to you soon.

(If you do have the experience and you’re comfortable with the information, you say this): Would you like to go over it now or would there be a better time for you? (Get a specific time if they can’t do it right then).

(If they can, say): I work with United Credit Education Services which is a credit restoration company with over a 10 year track record. We have an A+ rating with the Better Business Bureau and have helped tens of thousands of clients with our service. Let me ask you…are you in front of your computer or can you be? (If they’re not – say): Okay, when will you be able to be in front of your computer because I want to show you a demo of how our service can help your clients that I think you will be pretty impressed with? Okay, I’ll give a call at that time. Take care.

When You Call Them Back: So (name) are you in front of your computer now? Okay, great! Go to www.united-credit.org. (Pause) Are you there? Great, first thing you’ll notice in the middle of the screen is a video that will be good for you to watch when you have chance, it’s only about 8 minutes long and its a quick and easy way for your clients to understand our service and the process. Also, if you would like, there’s a couple of other things to check out, in the upper right hand corner you’ll see our A+ BBB rating, you can click on that link to research United Credit and then if you click on the testimonial tab it will highlight our strong deletion ratio. Now let me walk you through the actual service and then I will take you through a quick demo. You see when items are reported to the credit bureaus, as you may already know are privately held billion dollar companies, not government agencies as some people might think, the majority of those reported items are not verified as they should be, which is why about 80% of all credit reports have errors or obsolete items on them. So, what we’re able to do is leverage your client’s rights under the Fair Credit Reporting Act, rights most people don’t even know they have. These rights allow us to help consumers dispute any item on their credit reports and a lot of the times those items can be deleted and or even positively updated because many of these items cannot be verified. So that means any erroneous, inaccurate, obsolete items, such as bankruptcies, repossessions, late payments, judgments, charge offs, short sales, foreclosures, delinquent school loans, past due medical bills, or any other item, could be removed from your client’s credit reports and/or positively updated to say paid as agreed and of course in either case that could significantly increase your clients credit score, which is ultimately what we want, isn’t it?

Now lets go through a quick demo. (Name) go ahead and click on the login button in the upper right hand corner. Now in the user name enter the number 9, nine times and for the password type in the number 9 four times. You got it? Great, here is where your client will see their initial credit score. Now click on the tab customer progress report, ok, here you’ll see a list of all the negative items your clients have on their credit report and as you will notice in this demo, if you look under status, these items are either currently in dispute or have been deleted. So the nice thing about this program is that your client as well as yourself will be able to track the progress throughout the process, how great is that?

So, are there any specific questions you have? (Use your credit restoration script and substitute “client” where applicable). I’d really like to earn your business by showing you what we can do. So do you have any clients now we can start helping out to see if we can get you a few more deals in your pipeline?

02/14

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 merchant services many times, but let me ask you, if there was a way we could save you up to 20% on your rate and fees and you could even get paid money on all your business’s credit card transactions, would you be open to at least hearing about that? (If they say yes) Ok, perfect, the cool thing is they provide a free analysis to see what savings you could get, and they’re so confident in their ability to add value and save you money they will even give you a $200 MasterCard gift card if they can’t beat or meet the best deal you currently have. All I have to do is give them your contact info and one of their professionals will call you at a convenient time. So what’s the best number for you? Who should they ask for? And what’s the best time? Okay, great. I’ll have them call you and let’s see what happens.

Approaches…If they say they’re not interested or pushback: (Lean on the relationship): - How long have I been doing business here? - How long have we known each other? - Listen, my company is expecting me to at least submit some referrals, so worst case scenario we can’t end up saving you money, but it looks good for me and you get $200. - Just look at it…it’s not like you’re obligated. You get 200 bucks if it’s not better than what you have, and it looks good for me with my company. - You have nothing to lose…you can only win in this situation - Come on (name) if I had a business that accepted credit cards and you came to me explaining how I could save money, and even make money, and it didn’t cost me anything, I definitely would at least listen, not because it would just make sense, but more because of the relationship. If they continue to resist (Ask): What is the reason you’re so hesitant? (Then go back to the above statements) If they ask how would I make money on my credit card charges? I’m an Agent with my company and this business would be my customer, but I want to show you how you can simply be an Agent yourself and your business would be your customer so you make the money on all the business you’re processing through credit cards and that could add up. But worse case scenario, if that doesn’t interest you, we can just see if we can save you money and if we can’t meet or beat your current deal, you still get the $200. If they ask questions about the merchant services company: Listen (name) all I do for the company is connect them with businesses that want to save money, what I do know is the name of the company is International Bancard, they’ve been in business for over 13 years, they have an A+ rating with the Better Business Bureau and they have the best customer service of any of the merchant services providers. As far as the technical questions those will be answered by one of their account specialists, okay?

Tips and Recommendations: - If they ask you any technical or product questions, simply remind them that one of the companies experienced professionals will be glad to answer any of their questions and that you are merely just passing along some helpful, money saving information to them. - If by chance a business does not currently offer credit card payments as an option, ask them, have they ever considered accepting credit cards? Then proceed with the above script.  

HOW TO EDIFY YOUR “EXPERT”

Edification in our business is the process of creating respect, credibility and intrigue for an “Expert” that is being edified. And, an “Expert” is simply a person, place or thing that is used as a tool to explain, present, educate, motivate, clarify and/or close a sale of a product or a prospect. The enthusiasm, attitude, and belief you have while edifying is critical to its effectiveness. Edification takes the onus off of the new Agent to have to answer questions or present the opportunity and puts it on to a qualified “Expert”. Edification is the answer to any question that you don’t have the expertise to answer! If you don’t know the person that you need to edify…then ask them a few questions pertaining to their experience in the business, their lives or the products. Write those answers in below and then use the space provided to create 5 sentences edifying that person. Here are some examples of attributes to consider when trying to edify a person, place or thing: Determined

Committed

Driven

Passionate

Excited

Hard Working

Knowledgeable

Motivated

Inspired

Long Term Thinking

Sees the Opportunity

Making it happen

Top Producer

Leader

Award winner

Title

MVA/MVS

Impactful (video, website)

Informative

Educational

Pick 5 positive attributes about who/what/where you want to edify in relation to the business, their life, their attitude, their work ethic, their production, their goals and/or any combination and write them in the blank lines below.

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2.

3.

4.

5. Now, take the 5 words/phrases and use them in a number of short sentences to describe that person in a positive light. (Remember the key is using adjectives to enhance the attributes and make them impactful)

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2.

3.

4.

5. Some Examples: “This Person” is more excited, more committed, more determined than they have ever been… “This Person” is making it happen; they are getting more done in less time than they ever have… “This Person” knows these products inside and out. “This Person” understands every aspect of the compensation plan. “This Person” has generated millions of dollars in sales. Edification can also be used when telling success stories about people in the company. “Name of Person” went out in their first 30 days and got a promotion. “Name of Person” went out and in their first week sponsored 2 people into the business. “Name of Person” saw the opportunity, signed up on the spot and brought three people to the next meeting. “Name of Person” brought 5 new people to the Secrets of Success training.