2. A MAJOR PROBLEM Millions of People Struggle Financially!
Only 30% of Americans have a household budget.
- Debt.com
Average personal debt is $10, million people seek debt counseling to avoid bankruptcy each yr.
- Credit.com
30% of Millennials are overdrawing on their checking accounts and 50% don’t have $2,000 in savings.
- Global Financial Literacy Center
43 million people have a 599 credit score or lower.
- Money.msn.com
More than 25% Americans have no savings & about 49% have no retirement.
- Money.cnn.com

3. A MAJOR PROBLEM Why are most people in this situation?
No Motivation or Inspiration
A Lack of Financial Education
No New Avenues to Change
No Supportive Environment

4. AN INNOVATIVE SOLUTION
We INSPIRE people to get more out of life!
We EDUCATE them on how to go about it!
We provide OPPORTUNITIES to make it happen!
GET OUT OF DEBT
EARN MORE MONEY
GAIN SUPPORT SYSTEM
INCREASE CREDIT SCORE
HAVE MORE FREEDOM

5. PROVEN LEADERSHIP
Providing Better Credit & Finances to Live the Lifestyle You Deserve!
Making Financial Success Affordable
Founded Novae in 2014
Became a Multi-Million Dollar Producer by age 25
4.0 GPA in Nation’s TOP M.B.A. Program
Voted TOP 10% of Direct Selling CEOs in 2016 out of CEOs
Featured in Who’s Who in Black Atlanta for 10 yrs+
National Small Business Association Leadership Council Member
Multi-Million Dollar, Debt Free, Nationwide company
Help delete over 1 Million Negative Items from Credit Reports since inception
Reco McDaniel McCambry, M.B.A.
NOVAE President & CEO
Educate & Service Millions to Initiate Lifestyle Change in our Communities!

6. Debt Elimination Software Complimentary Credit Education
AN INNOVATIVE SOLUTION
Introducing
Online Budgeting Tool
Debt Elimination Software
Wealth Guide
Complimentary Credit Education

7. NOVAE MONEY ONLINE BUDGETING TOOL
See where your money is going and take control
Get help organizing your spending and savings
Easier conversations with your significant other about money
Learn to save effectively for unexpected and expected costs
Competitor Pricing: Dave Ramsey EveryDollar Plus - $8.25/month

8. DEBT ELIMINATION SOFTWARE
NOVAE MONEY
DEBT ELIMINATION SOFTWARE
Pay down your debts in 50 – 75% faster time with our software
View all your credit card, loan, and bank accounts in one place
Get a specific personalized game plan for your situation
Become debt free and start investing into your future
Competitor Pricing: Dave Ramsey Total Money Makeover Snowball - $9.95/month

9. WEALTH GUIDE – FINANCIAL LITERACY
NOVAE MONEY
WEALTH GUIDE – FINANCIAL LITERACY
A guide to wealth building and making solid financial decisions
Learn more about finances than you were ever taught in school
Learn how to leave debt, save money, and start investing like a pro
Access to a basic understanding of investments and how they work
Competitor Pricing: Several Resources – FREE up to Hundreds of $$$

10. COMPLIMENTARY CREDIT EDUCATION
NOVAE MONEY
COMPLIMENTARY CREDIT EDUCATION
Qualify for a loan to purchase a home if you’re a renter
Get approved for lower car payments when you’re buying
Pay lower insurance premiums and little to no deposits
Save more money by paying little to no interest EVER AGAIN
Competitor Pricing: Lexington Law – up to $129.95/month

11. THE MOST POPULAR COMPONENT
NOVAE MONEY
THE MOST POPULAR COMPONENT
CREDIT EDUCATION!
– WHY?
Similar to CREDIT REPAIR but we also educate the customers so they can make better future decisions regarding their credit.
Poor credit limits your buying power and opportunities to progress financially.
Poor credit could cost someone $200,000+ over the course of their lifetime in interest and additional fees.
Most CREDIT REPAIR companies charge $100 per month or $500 - $1,000+ just to get started!

12. CREDIT EDUCATION – HOW IT WORKS
NOVAE MONEY
CREDIT EDUCATION – HOW IT WORKS
Credit Bureaus don’t verify items on credit reports
They don’t make money verifying credit reports, they make money selling access to your credit file
The Fair Credit Reporting Act of 1970 gives all Americans the right to dispute and/or investigate any item on their credit report
ANY inaccurate, erroneous, and obsolete item such as late payments, charge-offs, foreclosures, judgments, repossessions, bankruptcies, tax liens, collections, short sales, medical bills, and many other items can be removed from your credit file or can be updated to reflect paid as agreed
Our process helps you clear up negative, unverifiable items on your credit report

13. OUR CREDIT EDUCATION PROCESS
NOVAE MONEY
OUR CREDIT EDUCATION PROCESS
Customer successfully enrolls for Novae Money via affiliate website
Customer receives an to follow a simple 4 step system
Portals activated & initial round of dispute letters sent to credit bureaus on customer’s behalf
Credit bureaus have up to 45 days to respond to initial dispute letters
Customer sends bureau responses back; next round of letters are sent
You’re educated and your credit score improves

14. IT WORKS – REAL PEOPLE, REAL RESULTS!
NOVAE MONEY TESTIMONIALS
IT WORKS – REAL PEOPLE, REAL RESULTS!

15. IT WORKS – REAL PEOPLE, REAL RESULTS!
NOVAE MONEY TESTIMONIALS
IT WORKS – REAL PEOPLE, REAL RESULTS!

16. = NOVAE MONEY MAKING FINANCIAL SUCCESS AFFORDABLE!
COMPETITOR PRICING
Wealth Guide
Online Budgeting Tool =
UP TO $1,000+ UPFRONT
Debt Elimination Software
$148+ per month
Complimentary Credit Education
ONE TIME PAYMENT OF $199 – THEN ONLY $49/mth

17. NOVAE MONEY WHY CHOOSE NOVAE MONEY OVER THE OTHERS?
Letters to Help Address Situations Quickly!
Credit Dispute Letters
Medical Bill Collection Letters
Letters to Dismiss Court Judgements
Hardship Letters for Loan Modifications
Debt Settlement Letters
Validation of Debt Demand Letters
Goodwill Letters
Dispute of Collections Letters

18. NOVAE MONEY NOVAE MONEY PREMIUM ONLY $79/month PREMIUM
THIS NEW PLAN INCLUDES:
Novae Money Basic
Personal Account Manager
3 Mthly Bureau / 3 Score Report
Daily Credit Monitoring
Text & Credit Monitoring Alerts
Credit Score Tracker
Credit Score Builder Planner
Credit Score Master Simulator
Identity Theft Protection
$1 Million in Fraud Insurance
Up to 3 Non Dispute Letters sent Monthly
PREMIUM
ONLY $79/month
*$199 to get started

19. SERVICES TO MEET YOUR FINANCIAL NEEDS!
OTHER SERVICE OFFERINGS
SERVICES TO MEET YOUR FINANCIAL NEEDS!
BUSINESS CREDIT
& FUNDING
FINANCIAL WELLNESS
PROGRAM
CREDIT MONITORING
& ID THEFT PROTECTION
CREDIT BUILDER
LOAN PROGRAMS
FRANCHISE PROGRAM
Novae takes great pride in partnering with reputable companies that have a similar mission, to help financially transform communities across the country!

20. EVEN WITH NOVAE MONEY’S SERVICES….
QUESTIONS TO CONSIDER
EVEN WITH NOVAE MONEY’S SERVICES….
Are you living the life you truly want to live, doing what you truly want to do?
Can you pay off your debts quickly with your current income?
Do you have 6 – 9 months of your total expenses saved up for an emergency?
Have you started investing into your future with a retirement plan?
Do you take at least one vacation per year to somewhere new and exciting?

21. A NEW ERA OF ENTREPRENEURSHIP…
AFFILIATE MARKETING
A NEW ERA OF ENTREPRENEURSHIP…
You can make money from home by referring people to a website
Companies like Amazon, Walmart, Best Buy and many others pay MILLIONS in commissions yearly!
Instead of earning a few cents to a few dollars per sale, Novae will pay you up to HUNDREDS of dollars per sale!

22. GET PAID SEVERAL DIFFERENT WAYS!
THE AFFILIATE PROGRAM
GET PAID SEVERAL DIFFERENT WAYS!
CUSTOMER REFERRAL COMMISSIONS
AFFILIATE REFERRAL COMMISSIONS
OVERRIDE BONUSES
MONTHLY RESIDUAL INCOME
NEW AFFILIATE BONUS
NOVAE UNIVERSITY COMMISSIONS

23. AGGRESSIVE WEEKLY RETAIL COMMISSIONS
THE AFFILIATE PROGRAM
AGGRESSIVE WEEKLY RETAIL COMMISSIONS
Earn income from PERSONAL customer referrals WEEKLY!!!
YOU
$75
EARNING POTENTIAL
1 CUSTOMER PER WEEK:
$300 PER MONTH
NM customer
$75
5 CUSTOMERS PER WEEK:
$1,500 PER MONTH
NM customer
25 CUSTOMERS PER WEEK:
$7,500 PER MONTH
$75
$5 Overrides from Team Sales down 5 generations
*Based on 4 weeks in a month and Affiliate personally enrolling $199 NM customers.
AFFILIATE
NM customer

24. AGGRESSIVE AFFILIATE REFERRAL COMISSIONS
THE AFFILIATE PROGRAM
AGGRESSIVE AFFILIATE REFERRAL COMISSIONS
Earn income from PERSONAL AFFILIATE referrals & the referrals of others!!!
YOU
PERSONAL
REFERRALS
OVERRIDE
REFERRALS

25. THE AFFILIATE PROGRAM AGGRESSIVE AFFILIATE REFERRAL COMMISSIONS
Earn income for each person you personally refer as an Affiliate depending on the Affiliate level they enroll, once they make one sale! Earn overrides as well!
Affiliate
Level 2
Affiliate
Level 6
Affiliate
Level 7
Affiliate
Level 8
Affiliate
Level 9
Affiliate
Level 10
Affiliate +
Up To
Up To
Up To
Up To
Up To
Up To
Up To
$100
$240
$340
$360
$380
$390
$400
Up To
Up To
Up To
Up To
Up To
Up To
$140
$240
$260
$280
$290
$300
Bonuses Are Paid WEEKLY and to UNLIMITED LEVELS!
*Please read Novae’s Compensation Plan Document for FULL details, qualifications, and rules.

26. EARN $3,375 IN YOUR FIRST 30 DAYS!!!!! ENROLL A FEW PEOPLE & GET PAID!
FINANCIAL FREEDOM JOURNEY
EARN $3,375 IN YOUR FIRST 30 DAYS!!!!!
ENROLL A FEW PEOPLE & GET PAID!
YOU
5 CUSTOMERS
= $375 in commissions
+ $500 new affiliate bonus
10 AFFILIATES
= $2,000 in commissions
+ $500 new affiliate bonus
$3,375 IN 30 DAYS!
AFFILIATE
$199 Novae Money customers & Affiliate Pro enrollments considered above.

27. STRONG RESIDUAL INCOME OPPORTUNITY AFFILIATES ON YOUR TEAM
THE AFFILIATE PROGRAM
STRONG RESIDUAL INCOME OPPORTUNITY
AFFILIATE
LEVELS
AFFILIATES ON YOUR TEAM
MONTHLY
RESIDUAL INCOME 1 2 4 6 8 10 12 14 16
YOU 3
$50/mth 12
$250/mth 62
$750/mth
250
$2,000/mth
$6,000/mth
1,000
3,000
$15,000/mth
6,000
$25,000/mth
12,000
$40,000/mth
25,000
$110,000/mth
*These are income projections based on qualifications in Novae’s Compensation Plan. Please read Novae’s Compensation Plan Document for FULL details, qualifications, and rules.

28. FIRST CLASS SUPPORT & TRAINING
THE AFFILIATE PROGRAM
FIRST CLASS SUPPORT & TRAINING
Weekly Webinars & Conference Calls
Quarterly Trainings with 6 & 7 Figure Earners
In Depth Training on Products & Services
Marketing Website and other Marketing Tools
Business Tracking Software
Live Customer Service & Support
Everything you need to SUCCEED with Novae

29. $50 $249 $499 THE AFFILIATE PROGRAM
THREE CONVENIENT LEVELS TO HELP YOU GET STARTED
Affiliate Program
Affiliate Program Plus
Affiliate Program Pro
(Includes Novae Money)
(Includes Novae Money & More Tools & $$$)
Affiliate Program
Affiliate Program
ALL Affiliate Program Plus Benefits
Member Discounts
Member Discounts
Financial Wellness Program
iSecuretheBag.com Marketing System
Financial Education
Financial Education
PAID TO OFFER:
Earn up to $100 per Novae Money sale
Earn up to $100 per Novae Money sale
Residual Income Potential
Residual Income Potential
Novae Money
Marketing Website
Marketing Website
Affiliate Opportunity
PAID TO OFFER:
Complimentary Credit Education
Credit Monitoring & ID Theft Protection
Novae Money
Budgeting Tool & Wealth Guide
Business Credit & Funding
Affiliate Opportunity
Debt Elimination Tool
Financial Wellness Program
PAID TO OFFER:
Franchise Program Opportunity
$50
$50/mo
Novae Money
Novae University Events
Affiliate Opportunity
Maximum Entry Compensation
$249
$50/mo
$499
$50/mo

30. 1 2 3 MAKING A DECISION 3 TYPES OF PEOPLE I’m not interested…
“I’m satisfied with my financial situation and not looking for more.” 2
I am interested…
“but I have some questions.” 3
I’m ready to get started…
“Where do I start to get on track to take control of my financial destiny?”

31. and the Financial Future You Deserve!
WELCOME TO NOVAE
and the Financial Future You Deserve!