See our 2014 BRAVOMEMBERS4 different perspectives in 4 different interviews!

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S P E C I A L E D I T I O N 2 0 1 4

2013 AWARDS & WINNERS PAGE08

CIRCLE OF EXCELLENCE 2014 REPORT & PHOTOSPAGE10

EXPANDING OUR REACHGROWING YOUR BUSINESS PAGE06

SALES THEME OF THE YEAR • KEEP MOVING FORWARD • SALES THEME OF THE YEAR

WELCOME/CONTENTSSPECIAL EDITION 2014

UPDATES003 Dilan’s Corner

004 Upcoming Dates to Remember

005 Internal News

006 Expanding Our Reach - Growing Your Business

007 Referral Programs Outline

008 2013 Awards & Winners

009 Bravo Club Members

INTERVIEWS010 Circle of Excellence Convention Report

FEATURE ADS011 Circle of Excellence Convention 2015 Teaser

012 Heritage Rep Personalized Websites

002WELCOMECONTENTS

I’m happy to say that the past few months have been marked by many positive and impactful activities, not the least of which was our Circle of Excellence Convention, held at the beautiful Hard Rock Resort, in Punta Cana, Dominican Republic. For seven days and nights a record number of Heritage Representatives and their families enjoyed the fun and sun, savoring the reward of achieving their goals.

A lot goes into the realization of a goal, but excellence stands at the forefront. It is this quality that allows us to surpass both our own and the expectations of others. At Heritage, we are particularly committed to excellence. One of the ways that we show it is by innovation, creating both new sales tools, as well as improving existing ones. Recently, our emphasis has been on improving our Workshops and expanding our online sales bridge and RESPXpress, as well as our line-up of already popular contests.

Many have had the opportunity to attend one of our Workshops. We’d like to improve the experience by making them better. Traditionally, training has been a field responsibility. This has had advantages and disadvantages. The experience and knowledge that exists from one agency to another varies too much for training to be of a consistently high quality. In order to remedy this, we are working toward the launch of a Twelve-Step Training Program that will cover all the essential skills and knowledge that new recruits need. This program will help ensure that our dealer representatives have the tools to be first-rate, knowledgeable sales people with a reputation for offering consistently superior customer service.

Of course, training is just one piece of the puzzle. Contests, especially our core contests, have been invaluable in fueling enthusiasm. We look forward to launching the next versions of the Canada Cup and President’s Month. These have been and will continue to be successful promotions; but there are others waiting to be launched, some as a result of our collaboration with the agencies. The common element with all of these will be their ability to help you move past your comfort zone and onto bigger and better goals and opportunities.

These initiatives and others, which are still in the conceptual stage, are based on Heritage’s core values: Reliability, Relationships and

Innovation. Together as an organization we will continue to develop each one of these values and make Heritage a brand that epitomizes excellence. With you, we will become bigger, better, stronger and faster.

Happy Selling!

DILAN FROSTVice President, Heritage Education Funds Inc.

DILAN’S CORNER

“A LOT GOES INTO THE REALIZATION OF A GOAL, BUT EXCELLENCE STANDS AT THE FOREFRONT!”

HERITAGE CULTURE | Youtube® Video

003DILAN’SCORNER

UPCOMING DATES TO REMEMBER

EVENTS IN EARLY 2014

APRIL 4, 2014 Agency 497 Spring Workshop, Richmond Hill Country Club

APRIL 7, 2014 Agency 381 Spring Workshop

Career Night - Vancouver, BC

APRIL 9, 2014 Career Night - Winnipeg, MB Fairmont Winnipeg

APRIL 15, 2014 Ottawa Spring Workshop, Hilton Garden Inn

APRIL 17, 2014 Agency 118, 657, 692, 642 and 389 Workshop Richmond Hill Country Club

APRIL 24, 2014 Montreal Spring Workshop, Location to be determined.

MAY 28, 2014 Red Deer Spring Workshop, Sheraton Red Deer Hotel

2014 PUBLIC HOLIDAYS & LIEU DAYS

NEW YEARS DAY Wednesday, January 1, 2014

FAMILY DAY Monday, February 17, 2014

GOOD FRIDAY Friday, April 18, 2014

VICTORIA DAY Monday, May 19, 2014

CANADA DAY Tuesday, July 1, 2014

CIVIC HOLIDAY Monday, August 4, 2014

LABOUR DAY Monday, September 1, 2014

THANKSGIVING DAY Monday, October 13, 2014

CHRISTMAS/BOXING DAY December 25-26, 2014

2014 MARKETING CAMPAIGN DATES

HERITAGE COMMERCIAL AIRS ON NATIONAL TELEVISON - CITYTV’S BREAKFAST TELEVISION & CITYLINE

April 14 - May 14, 2014

September 1 - October 1, 2014

Commercials will be aired in English, but the commercial will be available dubbed in Chinese and Punjabi on our YouTube channel. If you would like to use the commercial to air locally, please contact the Marketing department for further details at, MktRequest@HeritageFunds.ca.

004KEYDATES

INTERNAL NEWS

ANNUAL RESP DRAW (ARD)

Heritage is giving away $20,000 in contributions towards RESPs. Our Annual RESP Draw offers you a chance to WIN 1 of 8 contributions of $2,500 towards a Heritage Education Funds RESP plan.

From January 15th, 2014 to December 31st, 2014, you can enter your subscribers by directing them to fill out their information on our online entry form on our website, on a paper ballot, or brochure mailer.

The online entry form, contest rules and description are available online at, HeritageRESP.com/WinARESP

FORD FOCUS GIVEAWAY CONTEST

In partnership with Summit Ford, Heritage Education Funds is giving away a 2014 Ford Focus Hatchback SE, a sleek and trendy family vehicle. From June 10th 2013 to

June 27th, 2014, you can enter your subscribers by directing them to fill out their information on our online entry form, or on a paper ballot. The online entry form, contest rules and description are available online at, HeritageRESP.com/WinACar.

TV CAMPAIGN

The marketing department brought back TV advertisements in 2013. We featured a 30 second Heritage commercial on CTV and CBC for the month of September. Plans for the 2014 TV campaign are in the works and as details are finalized a communication will deploy to the field.

TV commercial are a great way for us to create excitement and product awareness around Heritage RESPs!

APRIL DEADLINE MAILER

For those busy Heritage Representatives who have been diligently collecting email addresses we want to reward you! We are launching an April Tax season Top Up Eblast to promote “putting your tax returns to work for your child’s future!”. To view who of your clients has been emailed please see Rep.com or contact your RVP. Eblast Deployments are as follows:

NEW! MARKETING CAMPAIGNSTO WATCH FOR IN 2014

NEW &IMPROVEDRESOURCES

COMING SOON!

NEW HeritageRep.com

We are excited to let you know there is a new rep.com (internal portal for all staff) in the works to be built in 2014. This version of rep.com will have more features and tools then ever before. The site will have a dedicated marketing section with pre approved templates, letters, eblasts, contest, and ads for you to access any time.

AVAILABLE NOW!

NEW Branding & Style Guide

We are very excited to announce the launch of a new branding look and feel for Heritage Education Funds. The re-brand positions us as a professional, safe, and trustworthy leading RESP provider, so it is important to be consistent with the new look and feel.

Download a copy today, available to you on Rep.com.

3/31/14.............SK-English4/2/14............QC-English4/7/14..............BC-English4/9/14.............AB-English4/14/14....................Rest of................Canada English

4/16/14.............SK-French4/21/14............QC-French4/23/14...........BC-English4/28/14...........AB-French4/30/14...................Rest of................Canada English

005INTERNALNEWS

Heritage Education Funds has recently launched two exciting referral programs to help you grow your business opportunities and support

Canadian families save for more than their child’s future post-secondary education.

Each of these referral programs should be reviewed with all your clients and prospects because it will build customer loyalty for you and allow you to differentiate yourself in the marketplace.

YORKVILLE ASSET MANAGEMENT

The Yorkville Asset Management Referral Program is available to all HEFI sales representatives including RESP and insurance licensed individuals. Yorkville offers wealth management, portfolio management and

advisory services tailored specifically to the needs of high net worth private client investors. Heritage is not licensed to provide such advice or services and in referring your clients as part of this program, you are simply putting them in touch with Yorkville who are best suited to help your clients with their investment needs.

VERICO BOOMERANG FINANCIAL

The Boomerang Financial Mortgage Referral Program is available to all HEFI dealing representatives. This Program allows you to offer your clients access to mortgage services and products that Heritage is not licensed to provide, advise on or sell. In referring your client, you are simply introducing them to Boomerang Financial who are best suited to help your clients with their mortgage related needs.

GROWING

006

For more information on these programs, as well as, useful tips to recognize opportunity, visit HeritageRep.com and click on Referral Programs.

Yorkville Asset Management

Verico Boomerang Financial

Program Requirements

• When referring an individual to Yorkville, you must be sure to protect yourself from acting as an investment advisor.

• You must advise your client(s) that, after they have signed the consent form, that, you will be sharing their name and contact details with Yorkville and if they open an account you will receive a quarterly referral fee if they choose to use Yorkville’s services. You must provide your client with the “Referral Disclosure Document” that discloses the referral arrangement and the fees.

• All of your referrals must go through Heritage Home Office. This is required for proper record keeping.

Program Requirements

• When referring an individual to Boomerang Financial, you must be sure to protect yourself from acting as a mortgage agent. This includes but is not limited to providing specific mortgage advice, mortgage rates, perform any kind of calculations or attempting to negotiate on behalf of your client.

• You must advise your client(s) that, after they have signed the consent form, you will be sharing their name with Boomerang and you will receive a referral fee upon the funding of their mortgage or home equity line of credit (HELOC). . You must provide your client with the “Referral Disclosure Document” that discloses the referral arrangement and the fees.

• All of your referrals must go through Heritage Home Office. This is required for proper record keeping.

Referral Fees

• Yorkville will pay 30% (or 30 bps) of gross management fees collected from a client’s account to Heritage.

• The referral fee amount will then be split and prorated between Heritage, you and any of your up line managers at the same rate your regular commission is paid.

• You will receive your referral fees on a quarterly basis.

Referral Fees

• For mortgage loans and HELOC Boomerang will pay 25 bps (basis points) on the principal amount to Heritage

• The referral fee amount will then be split and prorated between Heritage, you and any of your up line Managers at the same rate your regular commission is paid.

How to Participate

Start referring your clients! Complete the “Referral Disclosure Document” and “Referral Consent Form” and submit both of them to Heritage Home Office by fax at 416.502.2555.

Alternatively, you may email us a scanned copy at referralprograms@heritageresp.com. We will pass the referral information to Yorkville. They will keep us updated on the progress of your referral and we will communicate the status of your referrals to you on a regular basis.

How to Participate

Complete the Licensed Agent Appointment Form and Partners Website Sign Up Sheet and email both forms to salesteam@heritageresp.com. We will pass your information to Boomerang and they will send you a welcome email and temporary password.

Refer your client! Complete the Client Introduction Form and fax it to 416.502.2555 or scan and email them to referralprograms@heritageresp.com. We will record your referrals on Sales Bridge and pass them on to Boomerang. You will see your referrals allocated back to you on Sales Bridge under the lead code BMR. This is simply for Home Office record keeping purposes. You will get text message updates from Boomerang on the progress of your referral or you can keep track of its progress on the partner’s website using the login and password information from Boomerang’s welcome email.

New! REFERRAL PROGRAMS

007

PRESIDENT’S MONTH

The 2013 President’s Month has proved once again that Success is Our Tradition! You have produced 45,395 Gross Units which busted our corporate quota of 35,000 Gross Units by 30%.

There are 21 Rookies, 81 Representatives, 39 Teams, and 17 Agencies who busted their quota! Congratulations to all our Quota Busters for not only achieving their Personal, Team and Agency goals but also for helping make their mark on a great tradition.

PRESIDENT’S MONTH WINNER

We are also excited to invite Marek Kiejko from Agency 544 to the Toronto Heritage Headquarters to be President for a Day!

Congratulations

Marek Kiejko!

TOP 3 ROOKIES - Well Done!

Rank Agency # Representative’s Name Quota Gross Units % of Quota

1 469 Elazer Padwa 90 381.98 424.4%

2 381 Hong Yu Zhao 90 163.53 181.7%

3 381 Eva Yi Yun Yang 90 158.58 176.2%

CONGRATULATIONS TO OUR PRESIDENT AWARD WINNERS!

Category Representative’s Name Agency #

Top Representative Total Gross Production Gordon Branden 544

Top Representative Highest % of Quota Elazer Padwa 469

Top Rookie Total Gross Production Elazer Padwa 469

Top Sales Manager Total Team Gross Production Annie Chuang Chiu 381

Top Sales Manager Highest Team % of Quota Hu Yan 381

Top Associate Agency Director Total Team Gross Production Wendy Lei 381

Top Associate Agency Director Highest Team % of Quota Gloria Wang 381

Top Agency Director Total Team Gross Production Jimmy Shen 381

Top Agency Director Highest Team % of Quota Jimmy Shen 381

Top Managing Agency Director Total Team Gross Production Tesh Chhachhi 381

Top Managing Agency Director Highest Team % of Quota Robert Plamondon 469

TOP 3 SALES TEAMS - Excellent Results!

Rank Agency # Representative’s Name Quota Gross Units % of Quota

1 381 Hu Yan 175 760.93 434.8%

2 381 Peter Ma 194 759.76 391.6%

3 381 Wei Fan 175 682.87 390.2%

TOP 3 REPRESENTATIVES - Fantastic!

Rank Agency # Representative’s Name Quota Gross Units % of Quota

1 381 Ellen Wang 120 403.88 336.6%

2 497 Girish Nair 120 374.80 312.3%

3 381 Wei fan 120 333.36 277.8%

TOP 3 AGENCIES - Amazing Results!

Rank Agency # Representative’s Name Quota % of Quota

1 381 Jimmy Shen 3,147 225.2%

2 469 Robert Pladmondon 692 149.8%

3 381 Allen Tung 1,238 145.1%

WINNERS2013 Awards &

CONGRATS!

CONGRATS!

CONGRATS!

CONGRATS!

CONGRATS!

008AWARDWINNERS

BRAVO CLUB

BRAVO Rewards and Recognition Program recognizes individual and team production at every level with its Club membership, President’s Club Super Bonus Program and National Sales Awards.

TOP 3 | PRESIDENT’S CLUB

1. Gordon Branden (Super Bonus Program Qualifier)

2. Marek Kiejko

3. Milton Breker

TOP 3 | EAGLE’S CLUB

1. Lessie Lei

2. Harleen Brar

3. Chaim Weiser

TOP 3 | ACHIEVER’S CLUB

1. Michael Traynor

2. Liza Kron

3. Velma Dorie

TOP 3 | HERITAGE CLUB

1. Neil Brougham

2. Sophie Chen

3. Tom Anderson

TOP 3 | HORIZON CLUB

1. Kiranjit Sandhu

2. Andre Dupis

3. Jagjit Grewa

The winners of the BIG 10 Giveaway contest are:

TEN TRIPS TO CONVENTION

1. Sukuna Balkumar

2. Narinderpal Bal

3. Marek Kiejko

4. Chaim Kohn

5. Eugene Ang

6. Kamaljit Chauhan

7. Helen Fan

8. Amar Bedi

9. Abbey Winkler

10. Gerry M. Swan (International)

TOP 3 PRODUCERS

1. Chaim Weiser (Agency 007)

2. Michael Traynor (Agency 544)

3. Gordon Branden (Agency 544)

# OF WINNERS | $300 WALMART GIFT CARD

36 Representatives (Domestic)

3 Representatives (International - Cash)

# OF WINNERS | $150 WALMART GIFT CARD

60 Representatives (Domestic)

6 Representatives (International - Cash)

For a complete list of BRAVO Clubs, President’s Month quota busters and Big 10 Giveaway winners, visit HeritageRep.com.

2013 TOP MEMBERS

BIG 10 GIVEAWAY

STATISTICSYOU SHOULD

KNOW

About one in five students, or just over 424,500 students, took out federal loans in 2010-2011, according to Resources and Skills Development Canada.

Today more students expect to rely more on loans than on their own savings or the “Bank of Mom and Dad.” They’re fairly realistic about the amount they may end up owing, citing just over $26,000 on average. But they’re overly optimistic about how fast they’ll be able to pay it off, citing a 4-to-6 year period, when in fact most students take a decade to pay down their debt.

The average student expects to graduate owing $26,300 and pay it off in 6.4 years.

55% of students will rely on loans, that is an increase of 6% from last year.

Brand

noun1. kind, grade, or make, as

indicated by a stamp, trade-

mark, or the like: the best

Brand is the “name, term,

design, symbol, or any other

seller’s product distinct from

those of other sellers e.g

Music.”[1] Initially, Branding

one person’s cattle from

another’s by means of a

distinctive symbol burned

into the animal’s skin with

WHAT IS ABRAND?

PROTECT OURS. WE KNOW YOU WILL.

009BRAVOCLUB

0010SALESTRAINING

It was a convention of firsts! This year’s convention marked the first time we repeated a resort destination and the

first time in our entire industry that children attended and participated. The Hard Rock Resort offered many “extras” for our 165 attendees including complimentary long distance phone calls and wifi throughout the resort allowing us to follow our athletes at the Sochi Olympic Games. The exclusive Simon Mansion Restaurant was the host for special dinners for our Executive Council and our top producers, The Inner Circle.

The week began with the welcome reception where old friendships and rivalries were rekindled, and new ones started. With 28° Celsius, the best resort in the Dominican Republic and 165 Heritage reps from Canada, Bahamas, Bermuda and Jamaica, we had the ingredients for a successful convention.

The week also included inspirational words from the Heritage Executive, Heritage

Executive Council and a presentation of $5,000 to help a school in Punta Cana, the Fundacion Pro Desarrollo Comunitaria Maria Veron. Our Gala Dinner proved to be a truly enchanting evening as the 8 current Heritage Hall of Fame members welcomed this year’s inductees Kiran Bedi, Larry Hrynew and Milt Breker. The celebrations continued well into the night.

Is the Circle of Excellence Convention worth attending? To find out you can ask any of this year’s attendees from your agency OR experience it first hand by making the Circle of Excellence Convention 2015 your goal.

Check out our new Photogallery on,

FEBRUARY 8-15, 2015

C A N C U N • M E X I C O

See you there?

1065B_HST&HIST_Convention-Poster-TabloidOversize_ENG_CMYK_03-14.indd 1 2014-03-18 11:33 AM

0011CONVENTIONTEASER

FEBRUARY 8-15, 2015

C A N C U N • M E X I C O

See you there?

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NEW!

Heritage RepresentativePERSONALIZED WEBSITES

AVAILABLE SOON

For your added convenience, and to better assist you in promoting your business. A newly modernized format of your Heritage Representative website will soon be available* with SEO ranking capabilities that will allow your site to rank under the ‘Heritage Education Funds’ keywords, and locally targeted to display to specific clients within your geodraphic region.

Please keep in mind that at initial release there is no exact timing as to when the SEO ranking will take place as it is at the mercy of the Google bot ranking technology, but we are strategically working to ensure the utmost ranking success, and will be revising the platform on an ongoing basis to continually improve on these efforts.

If you have not signed up for your RepUrl, do so today on,

HeritageRep.com

*Subject to change at any given time.