Education Savings Plan Guide. A child s future is in your hands. Make a difference today!
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1 Education Savings Plan Guide A child s future is in your hands. Make a difference today!
2 Parent Company: Heritage Education Funds International, LLC Profile Helping parents and students since Heritage Education Funds International, LLC, Heritage Education Funds International (Jamaica) Limited, Heritage Education Funds International (Asia) Limited and Heritage Agency (Bermuda) Limited, the distributors of the Heritage International Scholarship Trust Plan, specialize in helping families save for the cost of college and university education. Since that time, Heritage has enrolled over 55,000 children in the plan and has over USD $105 million in assets under management. We are experts in helping parents and students fund the costs of post-secondary/tertiary education. The not-for-profit Heritage International Scholarship Trust Foundation administers the Heritage International Scholarship Trust Plan. 2 Our Home Office is located in Toronto, Ontario, Canada
3 Our Structure Heritage Education Funds International, LLC (and its subsidiaries) We are a leading provider of top-performing, safe and flexible Education Saving Plans for children in various countries around the world. The Heritage International Scholarship Trust Foundation A not-for-profit Corporation Arranges for the professional investment management and administration of Subscribers contributions The Foundation has returned over USD $105 million in savings and Educational Assistance Payments (EAPs) to students and parents since inception Managed by a Board of Directors Advised by Regional Advisory Boards Subscribers Parents Grandparents Legal guardians Other family members/friends Heritage Education Funds International, LLC Distributor of Education Savings Plans (ESPs) Established in 1983 Home Office in Toronto, Ontario, Canada Regional offices in selected International Markets Sales Representatives Provide professional Education Savings Plan expertise, enrollment information and support Provide ongoing services Regional Offices Located throughout the Caribbean Region Presently, we have offices in the Bahamas, Bermuda, the British Virgin Islands, Jamaica, Trinidad and Tobago, and Hong Kong Provide local Subscriber services Butterfield Trust (Bermuda) Ltd. (Scholarship Trustee) Bank of N.T Butterfield & Son Ltd. (Depository & Depository Trustee) Established in 1858 Over BD $71 billion in client assets under administration Network of over 1,300 international correspondent bank depositories and brokers around the world Head Office located in Hamilton, Bermuda All information is as of September 30, 2012 Key Business Partners Scotia Asset Management L.P. (Investment Manager) Member of Scotiabank Manages Assets of over CDN $41 billion One of Canada`s leading investment counseling firms Head Office located in Toronto, Ontario, Canada KPMG (Accounting Firm) McMillan LLP (Legal Counsel) 3
4 The Education Market How important is a post-secondary education? Over their lifetime, university graduates earn $1 million (CDN) more on average than those without a post-secondary education. 100 Source: The Association of Universities and Colleges of Canada (2005) and Heritage Education Funds International, LLC % % of all students who complete post-secondary/tertiary education % of those students who complete post-secondary/tertiary education with a Heritage International Scholarship Trust Plan How much will it cost? Four years of post-secondary/tertiary education could cost as much as... Year of Birth Year of School Entrance Canada* $115,890 $121,685 $127,769 $134,157 $140,865 $147,908 $155,304 $163,069 Caribbean Region** United Kingdom*** $122,027 $128,128 $134,535 $141,262 $148,325 $155,741 $163,528 $171,704 $206,167 $216,476 $227,299 $238,664 $250,597 $263,127 $276,284 $290,098 U.S.A.**** $220,837 $231,879 $243,473 $255,646 $268,429 $281,850 $295,942 $310,740 4
5 A child will have a 100% better chance of completing a postsecondary/tertiary education with a Heritage International Scholarship Trust Plan. All currencies are converted to U.S. dollars. Conversion rates as reported on July 30, 2010 at $171,222 $179,784 $188,773 $198,211 $208,122 $218,528 $180,289 $189,304 $198,769 $208,708 $219,143 $230,100 $304,603 $319,833 $335,825 $352,616 $370,247 $388,759 $326,277 $342,590 $359,720 $377,706 $396,591 $416,421 * ** *** **** $1 CAD = USD $ $1 GBP = USD $ $1 JMD = USD $ The costs are for international students (except Caribbean Region) and are averaged based on the following universities: Canada - McGill at St. Mary s at York at Caribbean Region - St. George s University, Grenada at UWI, Jamaica - Registrar, UTECH, Jamaica - Registrar, The College of the Bahamas at United Kingdom - University of Cambridge at University of Manchester at United States - Cornell University at Howard University at University of Georgia at Amounts can and will vary based on currency exchange rate fluctuations and type of the program selected. 5
6 Heritage Education Funds International, LLC How will you pay for it? Borrow the money? Withdraw funds from your personal savings, retirement funds or investments? Mortgage your home? Pay-as-you-go? Let your child earn the money? Depend on student loans? Make a difference in the life of a child. Start saving as much as you can afford today to ensure that you have what is needed to secure a brighter future for him or her. Many parents don t plan to fail, they simply fail to plan. 6
7 Helping families save and invest... for their children s future post-secondary/tertiary education. There is a difference in education savings plans. Parents who know the facts choose the Heritage International Scholarship Trust Plan. Here are some of the reasons why the Heritage International Scholarship Trust Plan is the solution: Sponsored by the NOT-FOR-PROFIT Heritage International Scholarship Trust Foundation. YOUR MONEY IS SAFE: Your contributions are placed in U.S. dollar GOVERNMENT-ISSUED, GUARANTEED and FIXED-INCOME INVESTMENTS. We offer a SELF-DETERMINED OPTION which allows you to receive all of your OWN INTEREST even if your child does not attend a post-secondary/tertiary institution.* You may TRANSFER your Plan to another person of your choice (up to age 22) IT S YOUR RIGHT TO DO SO.* We provide a Plan that includes a SELF-COMPLETION FEATURE* for Death & Disability of a Subscriber! Educational Assistance Payments Scholarships are awarded for attendance at all recognized or accredited post-secondary/tertiary educational institutions ANYWHERE IN THE WORLD. Flexible long-term savings Plan tailored to your individual financial situation. * Some conditions apply.
8 How Does It Work? What is the Heritage International Scholarship Trust Plan? It is: A time limited Savings Plan featuring U.S. dollar denominated government guaranteed and fixed-income investments dedicated to the advancement of higher education. Professionally managed and administered. Convenient and effective. It is not: An insurance policy. A mutual fund. How does the Plan work? Subscribers save until the plan matures with convenient savings options and just prior to Maturity (approx. age 18) Subscribers select the option that meets their needs: A) Scholarship Option (Automatic - if no alternative option is selected) or... B) Self-Determined Option Interest, attrition and enhancement* are included in all scholarships All Subscriber(s) Savings CHEQUE TO SUBSCRIBER to help pay for the 1st academic year (all of your savings, less fees, at maturity) SCHOLARSHIP CHEQUE TO STUDENT to help pay for the 2nd academic year SCHOLARSHIP CHEQUE TO STUDENT to help pay for the 3rd academic year SCHOLARSHIP CHEQUE TO STUDENT to help pay for the 4th academic year SAVINGS LESS FEES, PLUS INTEREST TO SUBSCRIBER(S) A B There is a $110 per unit ONE TIME Membership Fee deducted from early savings, which is not returned. An annual Depository Fee is deducted each year based on the number of units purchased, to a maximum of $50.00 per year. * An enhancement or top-up to a Scholarship is not guaranteed and is at the discretion of the Foundation. 8
9 Our Advantages The Heritage International Scholarship Trust Plan Advantages No other Scholarship Plan, Life Insurance Product, Bank, Mutual Fund or Financial Planning Program can offer all of these advantages... Outstanding Performance We have, over the past decade, consistently maintained a high return on investments. Three years of Scholarships paid to Qualified Students ( ) received an 6.26% average Total Return on Investment. Worldwide Choice The child may receive Scholarships to attend a recognized post-secondary/tertiary institution anywhere in the world. Self-Completion Feature In the event of your premature death or disability, the Self-Completion Feature ensures the return of your Contributions (less fees) based on the amount accumulated in the Plan at the time of your death or disability. It also ensures your child s three years of Scholarships are fully paid-up. Self-Determined Option (Must be selected no later than 60 days prior to Maturity.) If your child chooses a shorter program or decides not to attend at all, you may choose the Self-Determined Option. If selected, you may withdraw your savings and interest earned, less fees, at any time after Maturity. Minimum Passing Grades (Proof Required) Scholarships are not awarded on the basis of exceptional grades. Students only need to maintain passing grades at any recognized post-secondary/tertiary institution and be enrolled at a post-secondary institution. All students will have the opportunity to pursue their own interests based on their own abilities and choices. Conversion Privilege If you contribute monthly or annually, you can have a fully paid up Plan by exercising your conversion privilege. Substitution of a Child (Beneficiary) You may transfer your Plan to any other child (Beneficiary), if both are under the age of 22 and the new Beneficiary is not older than the original Beneficiary and no Scholarship payments have been made. Flexible Maturity Options Scholarship Option This Scholarship Option is recommended if your child plans to attend a full-time post-secondary or tertiary educational institution (minimum 2 years). t Certain conditions apply.
10 Heritage Education Funds International, LLC Encouragement Motivation and high self-esteem Knowledge is the key to success. To further encourage and motivate your child towards setting early goals for achieving a higher education, you will receive an inscribed certificate of enrollment for your child. This certificate has been endorsed by parents and students as a key motivational factor. As a young child, my older brother and I can still remember looking up at The Heritage International Scholarship Trust Plan certificates that my Mom and Dad had hanging in our bedrooms... We went through school knowing that regardless of what happened, we would be secured a post-secondary education... We wanted to make our parents proud, while at the same time achieve the maximum gains out of what they now deem to have been one of their most valuable investments... Now, as a teacher in early childhood education, I have a wonderful opportunity to convey to children of a young age and their parents, the value and benefits of preparing for a post-secondary education. Lisette C. Lewis, Former Beneficiary Heritage International Scholarship Trust Plan The gift for a lifetime... Education! Believe in your dreams. The first step toward your future. May the sky be your only limit. No Dreamer too small; no Dream too big. Let your dreams set free all you can be. Reach for the stars. 10 The best we can give to you beyond love. With Love from Mom and Dad.
11 Start saving NOW for the greatest gift your child will ever receive, his/her future education. Great futures don t just happen, they are carefully planned. A university or college education may be the most important advantage you ever give your children. One day they will thank you for this most important gift. Start building your child s future today! 11
12 For more information please contact our Home Office: Sheppard Ave. E., Suite 700 Toronto, Ontario, Canada M2J 5B4 Phone Fax OR your local Heritage representative at:
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