Author: dreamifymedia

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Additional 20% FYC Bonus Campaign for IA Business

Good job to the additional members who are now on track to getting the CPB this year: Anna Chen, Charles Ching, Jennifer Chan, Peter Yeh and Sophia Fan!   Along with the others who are already on track, these 20 members have about 4 more months to place a year total of FYC10,000 to get an additional 15% FYC bonus.

Remember all winners will get a further 5% making the total additional bonus to 20% if there are 15 or more qualifiers!

And for whose who’ve already qualified, doing more business means more total bonus for you.

Remember the iA dividend bonus for clients will end next month.  Good luck everyone!

Contact Rishu Bains at rishu.bains@ia.ca or (604)354-2711, or Michelle Kwan at Michelle.Kwan@ia.ca or (604)737-9154 for iA’s new Par and other life business, and Jackie Singzon at (604)220-7692 and Danielle Fairbank danielle.fairbank@ia.ca or (778)886-8492 for Critical Illness and Acci7 Hospitalization Benefit.

Canada Life Term Promotion Campaign – Free Premiums Offer Started!

Canada Life is making a special introductory offer of free three months premium on qualifying, new term 20, term 30 and term-to-age-65 policies, including riders for business in BC.  Business from other provinces will enjoy four months premium free.

For a new policy to qualify, the client’s application for the policy must be received between September 1^st and December 1^st inclusive. This offer extends to reissues, if the original policy qualified. The first premium must be paid for by the client for the contract to take effect.

Find out more from Carol Ng at the webinar this Friday, September 11^th, at 11am.

Connection Campaign 2020 – Earn Extra 5% FYC Bonus on Your Business with Every New Connection

Some members have indicated that business with clients has been slower this year due to the pandemic but don’t let the situation prevent you from growing your overall income.  Connect with your external broker network and share with them the different resources you have from the Platform – marketing support, client events, unique trainings, exclusive campaigns, knowledgeable processing, etc., that they are currently lacking and get additional rewards for your connections!

Carriers’ Updates

Canada Life

Did you know that Canada Life has launched its own RESP program?  It is currently offered to plan members of Canada Life (or previously Great-West Life) group benefits with generally lower fees.  The clients will receive the notification and be asked to reach out to their advisors for more information.  Here’s a copy of that notification: advance copy.

This is another way for you to generate more business from existing networks as well as to prospect new ones.

Ask Jason Yang for more details on the plan at YingJason.Yang@canadalife.com or (236)668-3194.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

Get Referrals From Your PAC Clients — RBC Mike Jackson

10am, Wednesday, September 9^th

Join this session to learn how to generate referrals from your existing clients.

Attendance to this training session is mandatory to qualify for the $2,000 PAC Campaign.  An advanced bonus will also be announced tomorrow so don’t miss out!

Join Microsoft Teams Meeting

How to Optimize Your Client’s Net Worth in the Current Economic Environment? — CL Carol Ng

11am, Friday, September 11^th

Carol Ng will give you a brief update on how COVID-19 can potentially affect your client’s tax planning and what are some insurance solutions to help optimize client’s financial goal.  She will also go into details on the Term Campaign and ways you can utilize it.

Join Microsoft Teams Meeting

Holiday Notice

Please note that our office will be closed on:

Thursday, October 1^st, 2020   (Mid-Autumn Festival, closes at 1:30pm)

Monday, October 12^th, 2020           (Thanksgiving)

Wednesday, November 11^th, 2020  (Remembrance Day)

Normal operations will resume on:

Friday, October 2^nd, 2020

Tuesday, October 13^th, 2020

Thursday, November 12^th, 2020

Events Schedule – September (Updated)

The updated Events Schedule for September is attached for your reference.

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Canada Life Term Promotion Campaign – Free Premiums Offer Starts Tomorrow!

Canada Life is making a special introductory offer of free three months premium on qualifying, new term 20, term 30 and term-to-age-65 policies, including riders for business in BC.  Business from other provinces will enjoy four months premium free.

For a new policy to qualify, the client’s application for the policy must be received between September 1^st and December 1^st inclusive. This offer extends to reissues, if the original policy qualified. The first premium must be paid for by the client for the contract to take effect.

Review the attached CL Term FAQ Final EN for more details.

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203 or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 if you have any questions.

Also, join the webinar below to brush-up your usage of SimpleProtect which now allows for juvenile applications.

Webinar: SimpleProtect demos

Time & Date: 10 am, Thursday, September 10^th

Join the webinar

RBC PAC Campaign 2^nd Series – $2,000 Lump-Sum Bonus (September to November 2020)

The 2^nd Series of the RBC PAC $2,000 Campaign will start tomorrow!

Sign up 30 RBC PACs from September to November 2020 to receive an additional $2,000 bonus.  Any PAC amount works!  And it’s per account, be it RRSP, TFSA, non-reg, etc.  Those who sign up 15 plus but less than 30 RBC PACs will also be rewarded with a lump-sum $750 bonus.

To help you quickly grasp the benefits of this concept, and how to close cases and be eligible for the bonus, attendance to the RBC trainings sessions during campaign period is mandatory. The first training session is from 10 to 11am on September 9^th.  An advance reward will also be announced then so don’t miss out!

Attached are some text templates for your use to get referrals and new business.

Carriers’ Updates

Equitable Life

Equitable Life has announced repricing on Equimax Estate Builder effective September 12^th.  Click the links below for more information:

https://advisor.equitable.ca/advisor/en/Individual-Insurance/Equimax-Estate-Builder%C2%AE-reprice?mc_cid=b0f924f1be&mc_eid=6150a42309

https://cdn.equitable.ca/forms/unsecured/insurance/Equimax-Estate-Reprice-2020-Transition-Rules.pdf?mc_cid=b0f924f1be&mc_eid=6150a42309&mc_cid=b0f924f1be&mc_eid=6150a42309

Monica Zhang will be going over the details at the webinar this Friday, September 4^th, at 11am.

iA

Insurance

iA has finalized the immigrant guidelines on coverage and restrictions to permanent residents and other temporary residents. See the attached PDF iA 30-211A Immigrant Guidelines for more information.

Contact Rishu Bains at rishu.bains@ia.ca or (604)354-2711, or Michelle Kwan at Michelle.Kwan@ia.ca or (604)737-9154 for any questions you may have.

Investment

On October 26^th and November 20^th, iA will make changes to its segregated fund line-up. The iA Toolbox is attached for your reference.  Also click the link here to find out how to draw up your list of affected clients: https://f.hubspotusercontent10.net/hubfs/4733265/instant-iA/en/GDC%20-%20NOVEMBER%2020%202020.pdf

Attend the presentation on Friday, October 30^th, 11am, to find out more.

Meanwhile, contact Hilda Ng at hilda.ng@ia.ca or (778)873-1254 or Barbra Vuan at barbra.vuan@ia.ca or (604)737-9245 for any questions.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

Top Members’ Training: Have a Crazy Idea, Have a Dream —  Sunny Chan

11am, Wednesday, September 2^nd

The spots for in-person participation for this session are open for registration – send an e-mail to admin@wayfinancial.ca to confirm your spot.

Join this session to see what strategies other members use to be successful in their field. Eg. partnership networks, client’s referrals, professional & HNW clients, etc.

Join Microsoft Teams Meeting

Repricing Equimax Par — EQ Monica Zhang

11am, Friday, September 4^th

Monica will tell you about the repricing and relevant changes.

Click on the link below to join:

Join Microsoft Teams Meeting

News from the Insurance Council of British Columbia

A Closer Look at the New Practice Audit Program

Launching mid-September, the Practice Audit Program aims to enhance licensee support and public protection.

Audits will be selected based on areas of risk identified annually, as well as on a random basis. The audit process will involve an audit questionnaire form being sent to the licensee. You will have 21 days to complete and return the questionnaire for review by the ICBC’s Practice and Quality Assurance Team. Areas that the audit will look at include: errors and omissions insurance, authority to represent, proper recording of insurance transactions and related financial affairs, client confidentiality practices and compliance with practice advisories.

After the questionnaire is reviewed, if no issues are found, a confirmation letter will be sent and the practice audit is closed. If an issue is identified, the licensee will be contacted by phone to discuss further and may receive a practice reminder letter at which time the audit will be closed. In cases where a serious conduct or competence issue is identified, the matter will be reviewed further.

More detailed information about the Practice Audit Program will be made available on ICBC’s website shortly.

Related Industry News

BC Securities Commission recently issued a significant number of sanctions against Paul Se Hui Oei for misappropriating client funds, including trading ban, registration ban as well as an order to pay $3,087,977.41 and an administrative penalty of $4.5 million.  Details are found here: https://www.securities-administrators.ca/disciplinedpersons.aspx?id=74&p=10273

The disciplinary action is a clear indication of zero tolerance for incompliant behaviour from advisors and intends to assist the public and the securities industry in applying due diligence.

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Update to Office Guidelines for COVID-19

While we continue to follow measures to safeguard against COVID-19, the office is working closely with members looking to outshine others amidst current challenges.

Front desk service resumes to full day capacity in September, helping you greet your clients throughout the 9:30am to 5:30pm.

A limited number of in-person training spots will be offered, starting with the session this Wednesday on Role Play on Close deal of Technology “Precision” Proposal to Transfer RRSP and TFSA from Other Parties. Much easier to provide needs by Simon Mok.  Please RSVP to Administration Department should you wish to take up a spot.  First come first served.

Upcoming training sessions that offer in-person participation are:

Top Members’ Training: Have a Crazy Idea, Have a Dream

Time & Date: 11 am, Wednesday, September 2^nd

Speaker: Sunny Chan

Business Management on Plan Your Year-end Tax in Advance

Time & Date: 11 am, Wednesday, September 16^th

Speaker: Stephen Lai

Focus Group on Corporate Cases

Time & Date: 10 am, Tuesday, September 15^th & September 29^th

Speaker: Tim Lau

Market Update & Outlook for the Next of the Year

Time & Date: 11 am, Friday, October 16^th

Speaker: Manulife Stefan Goddard

In visiting the office, everyone should continue maintaining high level of personal hygiene and be mindful of the following when you enter the premise:

• Sanitize your hands and put on a face mask;
• Keep a good distance when communicating with each other in person; and
• Ask your visitors to do the same above.

Focus Group on Corporate Cases (September 1 to October 6) – Door Opener Text Templates attached

Members who have applied to participate in the Focus Group on Corporate Cases are building their client networks by generating interest via text messages on the Health Spending Account (HSA). This is an easy and straightforward way to start talking to those clients with companies on your financial planning service for their corporations.  Refer to the attached text templates.

Please note the registration is already full and this is the last week for pre-requisites to be completed to secure your spot!

Carriers’ Updates

Canada Life

DocuSign submission process for National Bank investment loans, investment lines of credit and RRSPs are now available to the following:

• Existing clients who have products with Canada Life or National Bank.
• Clients who have an existing relationship with you.

Note that this process does not apply to new clients, unless they’re authenticated and identified in person.

Review the digital process with your existing clients and use the enclosed email template for securely sharing documents.

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203 or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 for any questions on the process.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

Role Play on Close deal of Technology “Precision” Proposal to Transfer RRSP and TFSA from Other Parties. Much easier to provide needs — Simon Mok

11am, Wednesday, August 26^th

The spots for in-person participation for this session are already full; other members can participate via the link below to watch the presentation online:    

Come learn how efficient business operations can enhance your business volume and compensation.

Join Microsoft Teams Meeting

CII & Quickpay 10 Reintroduction — IA Jackie Singzon

11am, Friday, August 28^th

Let’s start the conversation with Jackie on CII and updates.

Click on the link below to join:

Join Microsoft Teams Meeting

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Presenting to Your Clients with New Lounge TV

Given the frequent usage of the Lounge in client meetings, the office has installed a new TV there to facilitate your effective discussions and presentations.

To project your computer or tablet to the TV, simply do the following:

1. Make sure your device is connected to WiFi “Way Connect”
2. Press Sources on the TV remote and choose HDMI1/DVI
3. On your device, open Google Chrome.
4. At the top right, click the three dots button “ ” and select Cast.
5. Click Sources and choose whether you want to cast a tab, desktop (your entire screen) or a file.
6. Click “Lounge TV” after you select the source.
7. When you’ve finished presenting, go to the right of the address bar, click Cast     to stop casting.

Feel free to reach out to the Administration Department if you have any questions.

Compliance Advice on FNA Submission for Clients Aged 65 or Above

As members already know, an insurance business submission for a child life insured (age 20 and under) does not require an FNA; advisors often include a brief cover letter to indicate the purpose of the insurance instead.  This practice can be used for a life insured aged 65 or above.  Please do not arbitrarily adjust the FNA template to accommodate the age of someone over 65; a cover letter explaining the client’s situation will be sufficient. The FNA template is designed to meet the compliance rules; manually changing it might make it non-compliant.

If you wish for further advice, please ask Vice President, Compliance & Advisor Development, Stephen, at stephen.lai@wayfinancial.ca or (604) 279-0866 ext. 114 .

RBC PAC Campaign 2^nd Series – $2,000 Lump-Sum Bonus (September to November 2020)

Today is the start of the Campaign for winners from the 1^st series!  Submit your RBC PACs now to enjoy an extra two weeks to count towards the reward.

For the others, sign up 30 RBC PACs from September to November 2020 to receive an additional $2,000 bonus.  Any PAC amount works!  And it’s per account, be it RRSP, TFSA, non-reg, etc.  Those who sign up 15 plus but less than 30 RBC PACs will also be rewarded with a lump-sum $750 bonus.

To help you quickly grasp the benefits of this concept, and how to close cases and be eligible for the bonus, attendance to the upcoming RBC trainings sessions is mandatory. The first training session is from 10 to 11am on September 9^th.  An advance reward will also be announced then so don’t miss out!

Attached are some text templates for your use to get referrals and new business.

Focus Group on Corporate Cases (September 1 to October 6) – Door Opener Text Templates

We are pleased to announce that Stephanie Carter, Canada Life Underwriting Specialist, will be joining us as a co-speaker presenting on corporate cases and how to financially justify a coverage. Stephanie has been working behind the scenes on many large cases and members could take this opportunity to ask her for tips or any questions related to your own corporate cases.

Members who have applied to participate in the Focus Group on Corporate Cases are building their client networks by generating interest via text messages on the Health Spending Account (HSA). This is an easy and straightforward way to start talking to those clients with companies on your financial planning service for their corporations.  Refer to the attached text templates. Reach out to the Administration Department if you would like more text templates as well as to enroll in this Focus Group, which is open without cost to committed members.

Please note that all pre-requisites must be completed by August 28^th to secure your spot.

Carriers’ Updates

Canada Life

Good news!  SimpleProtect is now available for child policies!

With immediate effect, your clients can apply PAR or CI policies for juvenile between 0 and 17 via SimpleProtect dashboard.

• Juvenile, age 0 to 17 PAR plans from $100K to $250K face amount
• Juvenile, age 0 to 17 Child LifeAdvance from $10K to $25K face amount

Some key highlights of juvenile policy e-application:

1. Only one eligibility question for PAR, and two eligibility questions for CI

• Has the insured resided in Canada for the past 12 months, and is either a Canadian citizen or Permanent Resident? (PAR and CI)
• Do you understand spoken and written English? (CI)

1. For age 0 to 15, an adult must be the policy owner and signed on the e-application. A parent or guardian will also have to sign the application on behalf of the insured child even though they’re not the owner
2. When you are completing the healthcare provider session, “Provider name” and “Date of last visit” are mandatory fields

Review the attached SimpleProtect overview and non-face-to-face reference guide for more details.

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203 or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 for any questions SimpleProtect.

iA

Investment

iA Virtual Summer Tour

For those who missed the final webinar on August 13^th, watch the video recording here to review the excerpt from the conversation between Clément Gignac and John Parisella, Senior Advisor, Business Outreach, National.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

Business Management on Better Quotation – Save premium, More Businesses — Stephen Lai

11am, Wednesday, August 19^th

Come learn how efficient business operations can enhance your business volume and compensation.

Join Microsoft Teams Meeting

3rd Capital Markets Strategy — ML Stefan Goddard

11am, Friday, August 21^st

Learn from Stefan on how to immediately close new business and share insights from the capital markets strategies.

Click on the link below to join:

https://manulife-johnhancock.zoom.us/j/2025726491

Events Schedule – September

The Events Schedule for September is attached for your reference.

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Updates on Office Guidelines in Managing COVID-19

Way continues to be prudent in managing the risk and safe-guarding the health and safety of our members while using innovative ways to help everyone continue and also grow business.  It is encouraging to see more activities and submissions from members in the past month and those who have adopted new practices using technology and a creative and willing mindset have gotten positive results.

Some members have requested resuming in-person training sessions to garner more momentum in rebuilding their business.  Considering the different factors involved, the office will start arranging a hybrid setting with limited capacity for in-person participation and simultaneously broadcasting to those who prefer learning remotely via online meeting platforms like MS Teams.

The first hybrid session will be arranged for the training at 11am, on August 26^th:

Role Play on Close deal of Technology “Precision” Proposal to Transfer RRSP and TFSA from Other Parties. Much easier to provide needs — Simon Mok

As in-person seating will be limited to maintain distancing, please RSVP to Administration Department should you wish to take up a spot.  First come first served.

The hybrid setting will also be arranged for other internal training sessions starting September, as well as certain carriers’ training.  You will be informed which session allows for in-person participation later on.

In visiting the office, everyone should continue maintaining high level of personal hygiene and be mindful of the following when you enter the premise:

• Sanitize your hands and put on a face mask;
• Keep a good distance when communicating with each other in person; and
• Ask your visitors to do the same above.

Our Processing and Accounting teams remain in full-day service.  Send us an e-mail for any enquiry or request you may have:

• • process@wayfinancial.ca (for business related matters)
  • account@wayfinancial.ca (for compensation related matters)
  • admin@wayfinancial.ca (for licensing, E&O and other matters)

Let’s return our attention to growing business while continuing our efforts to keep this virus at bay.

MDRT Articles Free Subscription & Video Viewing Sessions

Way is now offering all members a free subscription to MDRT articles to gain insight on enhancing and developing your business. The articles are sent out the beginning of each week and will replace the Food for Thought of the Day. All members will be invited to the mailing list to enjoy the free subscription this month and starting September, the free subscription will continue for members who submitted business in the previous month. Any amount of business submission qualifies.

Every Tuesday morning, from 11am to 12pm, a series of MDRT videos will be played at the Boardroom. The speakers of these videos are all MDRT qualifiers and successful players and you can learn how to be a successful advisor from their valuable experience. There’s no need to RSVP, just come in to the office to view the videos.  Alternatively, live broadcasting is available and the link will be marked on your calendars.

Connection Campaign 2020 – Earn Extra 5% FYC Bonus on Your Business with Every New Connection

While the current situation gives you the opportunity to outshine your competitors and showcase to your clients your continuous support to their financial well-being, it is also the time to connect your external broker network and share with them the different resources you have from the Platform – marketing support, client events, unique trainings, exclusive campaigns, knowledgeable processing, etc., and get additional rewards for your connections!

Carriers’ Updates

Canada Life

Canada Life has reduced the waiting period from 30 days to 14 days for international travel in new applications:

• Anyone who has recently returned from outside of Canada will have their insurance application postponed until they have been back in Canada for a minimum of 14 days. After the period of quarantine, Canada Life would consider reopening the file. Any file postponed would not be eligible for TIA or CIA benefits.

Paramedical services are continuing to operate on reduced capacity and temporary relaxed requirements are remained for the time being.

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203 or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 for any questions on the process.

iA

Investment

iA Virtual Summer Tour

Join Clément Gignac, Senior Vice-President and Chief Economist, on his new series of webinars with weekly special guests every Thursday at 8am which run until August 13^th.

Webinar #9: 2020 US presidential election and its impact

Time & Date: 8am to 8:30am, Thursday, August 13^th

Guest: John Parisella, Senior Advisor, Business Outreach National

Join Meeting

For those who missed the webinar on August 6^th, see the attached PDF to review the discussion on investment opportunities in global equities with Pierre Chapdelaine, CFA, Principal Portfolio Manager, International Equities, iAIM.

Sun Life

Paramedical providers are now offering mobile appointments, with the choice of:

• requesting Sun Life to order on your behalf, or
• ordering medical requirements directly through ExamOne or Dynacare based on the age and amount requirements.

This applies to all new applications effective immediately.

1. If you have Sun Life order medical requirements on your behalf, please clearly indicate this on the application in the Advisor Report section and Sun Life will continue to apply temporary measures and/or Accelerated Underwriting practices. Click here for more details.
2. If you place the order for medical requirements, please provide Sun Life with the order number and vendor name on the application in the Advisor Report section and you will be opting out of temporary measures and Accelerated Underwriting. Check the Dynacare’s website and ExamOne’s website for more details.

Contact Renee Ho at renee.ho@sunlife.com or (604)657-9251 or Viola Lam at viola.Lam@sunlife.com or (604)417-0791 if you have any questions.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

Real Life Case Studies: Tax Advantages on Corporate CI Shared Ownership — COT Carmen Ke

11am, Wednesday, August 12^th

Remember that attendees to this training will be provided with the illustration for the concept.  Also make use of the attached text templates to start generating interest amongst your corporate client network!

Learn from the best and have MDRT Member, Carmen Ke, help you increase your closing rate and teach you tactics in dealing with different clienteles.

Join Microsoft Teams Meeting

Corporate-owned Life Insurance and Planning Considerations —  CL Carol Ng & Leon Chan

11am, Friday, August 14^th

CL Carol and Leon will go through some taxation basics and comparing corporate owned insurance vs corporate-owned investments with you.

Join Microsoft Teams Meeting

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Using New Compliance Package Now

Members should be using the new and simpler Compliance Package for business submissions starting this month. The new Package has cut back two forms so that makes your submissions more swift and efficient!  The new files are available on VirtGate and the intranet.  Feel free to ask your specific coordinator or e-mail process@wayfinancial.ca if you have any question.

MDRT Articles Free Subscription & Video Viewing Sessions

Way is now offering all members a free subscription to MDRT articles to gain insight on enhancing and developing your business. The articles are sent out the beginning of each week and will replace the Food for Thought of the Day. All members will be invited to the mailing list to enjoy the free subscription this month and starting September, the free subscription will continue for members who submitted business in the previous month. Any amount of business submission qualifies. The first MDRT article is attached for your good read.

Every Tuesday morning, from 11am to 12pm, a series of MDRT videos will be played at the Boardroom. The speakers of these videos are all MDRT qualifiers and successful players and you can learn how to be a successful advisor from their valuable experience. There’s no need to RSVP, just come in to the office to view the videos.

Reach out to Administration Department if you have any questions.

Virtual Client Events    

15 Company Solutions Lawyer and CPA Need to Know #8 Participating Policy Transfer & 12 Tactics that your Executor Should Know #5 Alter Ego Trust

Time & Date: 10:55 am, Thursday, August 13^th

Language: Mandarin

Time & Date: 1:55 pm, Thursday, August 13^th

Language: Cantonese

Speaker: Global Life & Wealth

Global Life & Wealth hosts a series of webinars for clients including Crisis Rebound Investment Secret Manual, RRSP Mistakes & Solutions amongst others. Contact Theresa Lai at 604-278-0122 (ext. 105) or theresa.lai@grandtag.ca for more details on how to participate and share the resource with your clients.

RBC PAC Campaign 2^nd Series – $2,000 Lump-Sum Bonus (September to November 2020)

As mentioned, training sessions will be organized to support you in winning this 2^nd series of RBC PAC campaign. Don’t miss the first training session on August 5^th from 10 to 11am where you could learn how to easily generate new and referred business. Attached is a text template to send your clients so you can get started right away. RBC will also update us on the 6 new funds on their portfolio.

Sign up 30 RBC PACs from September to November 2020 to receive an additional $2,000 bonus.  Any PAC amount works!  And it’s per account, be it RRSP, TFSA, non-reg, etc.  Those who sign up 15 plus but less than 30 RBC PACs will also be rewarded with a lump-sum $750 bonus.

All winners from the 1^st series will get first dips and their business will start counting from August 17^th.

Additional 20% FYC Bonus Campaign for IA Business

Carriers’ Updates

B2B

Review the investment loan checklist to speed up your application progress to get approved and funded quickly.

Avoid the common errors below:

1. Ensure that all client details are correct and consistent
   • Confirm the client has provided two pieces of ID and that ID types and numbers are accurate
2. Include a copy of a void cheque with the application
   • Verify that the client’s name on the cheque matches the name on the Investment Loan application or one of the pieces of ID
3. Where applicable, ensure information on segregated fund applications is an exact match to the information on the Investment Loan application

Contact Danya Wang at danya.wang@b2bbank.com or (236)688-6201 for any questions you may have.

Canada Life

Canada Life Weekly Call

Time & Date: 10 to 11am PST, Wednesday, August 5^th

Topics to be covered this week:

• What the biggest impact COVID-19 has had on small business
• The future of Canada’s export and international trade relations
• Government support and more!

Click here to register

iA

iA Connected is back! It is a digital information platform that gives you the week’s news as well as launches, advertising campaigns and other useful and relevant communications.  Sign up here to receive notifications and be among the first to be informed!

Remember, there’s a dividend incentive of 0.25% for the life time of the client contracts for par policies submitted by October 31^st, 2020. Some members have already utilizing the new iA Par for bonus promotion.

RBC

RBC has strengthen their segregated funds by adding four New Global Guaranteed Investment Portfolios and two New Low Volatility Equity Guaranteed Investment Funds to their line-up.

Click here to access new fund facts.

Attend the training tomorrow to find out the strategic way to utilize funds and enhance your clients’ portfolios!

Contact Mike Jackson at mike.jackson@rbc.com or (604)363-7583 or Matthew To at matthew.to@rbc.com or (604)699-2350 for any questions.

TuGo

On August 19th, TuGo will be changing their medical questionnaire for selling Emergency Medical coverages for those aged 60 and over.

Click here https://attendee.gotowebinar.com/rt/4032204216780124941 to register the session that you’d like to attend from the drop-down menu.

Contact Hélène Desjardins at hdes@tugo.com or (180)069-7752 or 3501 for any questions you may have.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

Market Update and Winning the 2nd Series of PAC Campaign 2020 — RBC Matthew To & Stephen Lai

10am, Wednesday, August 5^th

This training session from RBC will give you the latest market update and also to support you for the 2nd series of RBC PAC campaign.

Register in advance:

https://rbcteams.webex.com/rbcteams/onstage/g.php?MTID=e2c959946f2555ac09a87c13e6c6a4bf2

Business Insurance Series Session 2 — EQ Monica Zhang

11am, Friday, August 7^th

Listen to Monica’s presentation on session 2 of business insurance series.

Join Microsoft Teams Meeting

Holiday Notice

Please note that our office will be closed on:

Monday, September 7^th, 2020   (Labour Day)

Monday, October 12^th, 2020      (Thanksgiving)

Normal operations will resume on:

Tuesday, September 8^th, 2020

Tuesday, October 13^th, 2020

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

RBC PAC Campaign 2^nd Series – $2,000 Lump-Sum Bonus (September to November 2020)

As mentioned, training sessions will be organized to support you in winning this 2^nd series of RBC PAC campaign. Don’t miss the first training session on August 5^th from 10 to 11am where you could learn how to easily generate new and referred business, as well as a steady stream of recurrent income.

Sign up 30 RBC PACs from September to November 2020 to receive an additional $2,000 bonus.  Any PAC amount works!  And it’s per account, be it RRSP, TFSA, non-reg, etc.  Those who sign up 15 plus but less than 30 RBC PACs will also be rewarded with a lump-sum $750 bonus.

All winners from the 1^st series will get first dips and their business will start counting from August 17^th.

The PAC strategy is especially beneficial for both clients and advisors in midst of the current volatility.  So with advance planning this time, you can surely win some of the extra bonus rewards.  Of course, this is not just for the $2,000 but for the long term growth of your business and recurrent income.  We will also arrange 1-on-1 trainings to help members win the campaign – send a reply to admin@wayfinancial.ca to indicate your interest in joining and start your PAC business now!

Focus Group on Corporate Cases (September 1 to October 6) – Door Opener Text Templates

Members who have applied to participate in the Focus Group on Corporate Cases are building their client networks by generating interest via text messages on the Health Spending Account (HSA). This is an easy and straightforward way to start talking to those clients with companies on your financial planning service for their corporations.

Reach out to the Administration Department if you would like these text templates as well as to enroll in this Focus Group, which is open without cost to committed members.

Carriers’ Updates

Canada Life

Canada Life Weekly Call

Time & Date: 10 to 11am PST, Wednesday, August 5^th

Click here to register

Also review the attached CL COVID Update on how to process business, educate your clients and conduct business in the days and weeks to come.

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203, or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 for any questions you may have.

Investment

Further to members’ request on last Friday’s training presentation, attached are the files for your reference.  Wholesaler Richard Chen can be reached at richard.chen@canadalife.com or ((604)338-6416 if you have any questions.

Equitable Life

Insurance

Effective July 25^th, 2020, advisors will have more time to complete and obtain the necessary signatures when submitting Individual Insurance applications on EZcomplete.

Click here or contact Monica Zhang at mzhang@equitable.ca or (604)366-4314 for more detailed information.

iA

Insurance

The newest EVO will have the features below:

• iA PAR: Consult and set different tax rates to be applied in your client’s illustration.
• Illustrate projections for coverage amounts up to $90M: Previously set at $10M, the illustration projection amount was increased to $90M. Please note that the premium amount shown is for information purposes only and a special quote request is required.

Two functionalities are once again available:

• Interest rate customization: Customize different interest rates on an annual basis. Interest rate customization is available for each capitalization fund investment account and the portfolio account.
• Customization of term product illustrations: Meet your clients’ term coverage needs based on the desired projection horizon, for each projection separately.

Contact Rishu Bains at rishu.bains@ia.ca or (604)354-2711, or Michelle Kwan at Michelle.Kwan@ia.ca or (604)737-9154 for more info on the new EVO.

Investment

iA Virtual Summer Tour

Join Clément Gignac, Senior Vice-President and Chief Economist, on his new series of webinars with weekly special guests every Thursday at 8am which run until August 13^th.

Webinar #7: Low interest rates and volatility, thanks to central banks!

Time & Date: 8am to 8:30am, Thursday, July 30^th

Guest: Alexandre Morin, CFA, Principal Portfolio Manager, Fixed Income Investment Funds, iAIM

Join Meeting

TuGo

See the attached PDF TuGo Coverage on a detailed breakdown of how policies work in this COVID-19 situation.

Contact Hélène Desjardins at hdes@tugo.com or 1-800-697-7520 ext. 3501 for any questions you may have.

Upcoming Virtual Trainings

Please note the sign in and out times are stamped by online training apps (MS Teams, Zoom and etc.) automatically when the meeting starts and before the meeting end. In order to ensure that you are entitled to the CE credits earned of a training, some carriers have advised the following guidelines:

• Input your full legal name and email address when joining the training.
• Join the meeting on time to log the sign-in time.
• Leave the online meeting room only when the presenter confirmed that the training is over.

CII, Quickpay 10 & Disability Insurance – iA Jackie Singzon

11am, Friday, July 31^st

Jackie will tell you about CII and an overview of DI.

Click on the link below to join:

https://us02web.zoom.us/j/85787966757

News from the Insurance Council of British Columbia

LLQP Exams Resume in Vancouver and Victoria

Life Licence Qualification Program (LLQP) exams have resumed in Vancouver location in early June, and registrations are now also being accepted for exams in Victoria. To keep you and exam staff safe, ICBC is following strict physical distancing and other COVID-19 prevention measures.

For more information about how to register for an exam, please visit ICBC COVID-19 Update page.

New Program Will Work with Licensees to Identify Practice Issues Before They Occur

As a part of recently launched Strategic Plan, ICBC will be introducing their Practice Audit Program this fall, which will work directly with licensees to identify and address potential issues before complaints are received, providing feedback and practice guidance to licensees so that they can ensure they are meeting their requirements under the Insurance Council’s Rules and Code of Conduct.

Under the new program, practice audits will be initiated by the Insurance Council through audit requests communicated in advance to licensees. Audits will be selected based on areas of risk identified annually, as well as on a random basis, or on a licensee’s own request.

More detailed information about the Practice Audit Program will be made available in August shortly.

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

Focus Group on Corporate Cases (September 1 to October 6) – Door Opener Text Templates

Members who have applied to participate in the Focus Group on Corporate Cases are building their client networks by generating interest via text messages on the Health Spending Account (HSA).  This is an easy and straightforward way to start talking to those clients with companies on your financial planning service for their corporations.

Reach out to the Administration Department if you would like these text templates as well as to enroll in this Focus Group, which is open without cost to committed members.

Using New Compliance Package by the end of July

For those members who have not started using the new and simpler Compliance Package for business submissions, please be reminded the last day to migrate is the end of this month.  The new Package has cut back two forms so that makes your submissions more swift and efficient, so don’t wait to make your change!  The new package is available on VirtGate and Intranet.  Ask your specific coordinator or e-mail process@wayfinancial.ca if you have any question.

Carriers’ Updates

Canada Life

Did you know that SimpleProtect will be launching new features to accommodate juvenile policies, joint policies and more later this year?  If you have not familiarized yourselves with how much quicker it is to apply and get approved on your insurance business, take a look at the attached SimpleProtect Guidelines and Comparison between regular E-Apps and this shortened version.  This will certainly enhance you and your client’s experience in getting insurance – imagine getting a $2 million coverage Par life by just answering 20 questions and approved within days?

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203, or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 for any questions you may have.

iA

Investment

iA Virtual Summer Tour

Join Clément Gignac, Senior Vice-President and Chief Economist, on his new series of webinars with weekly special guests every Thursday at 8am which run until August 13^th.

Webinar #6: Credit shows resilience despite the crisis

Time & Date: 8am to 8:30am, Thursday, July 23^th

Guest: Jean-Pierre D’Agnillo, CFA, Vice-President and Principal Portfolio Manager, Corporate Bonds, iAIM

Join Meeting

Upcoming Virtual Trainings

Please note when you sign in to the virtual trainings, make sure you use your legal name so the organizer can recognize you and have applicable CE credits issued accordingly.  If requested by the speaker, please type in your name and e-mail address in the chat box to have your attendance recorded properly.

Role Play on Door Opening of Technology “Precision” Proposal to Transfer RRSP and TFSA from Other Parties. Much Easier to Provide Needs – Simon Mok

11am, Wednesday, July 22^nd

See what top sales, Simon Mok, has to share with you this month on creating needs for clients and closing the sale.

Click on the link below to join:

Join Microsoft Teams Meeting

Practice Management: What Does a Fee-Based Business Model Look Like? — CL Richard Chen

11am, Friday, July 24^th

Learn about how a fee-based model contributes to your businesses.

Click on the link below to join:

Join Microsoft Teams Meeting

Events Schedule – August

The Events Schedule for August is attached for your reference.

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.

Dear Members,

The weekly bulletin informs members recent initiatives, campaigns and more, so check it consistently to stay up-to-date with ways to grow your business.

RBC PAC Campaign 2^nd Series – $2,000 Lump-Sum Bonus (September to November 2020)

Further to the success of the 1^st series earlier this year, a 2^nd series of RBC PAC campaign and training sessions will be organized to support members to easily generate new and referred business, as well as a steady stream of recurrent income.

Sign up 30 RBC PACs from September to November 2020 to receive an additional $2,000 bonus.  Any PAC amount works!  And it’s per account, be it RRSP, TFSA, non-reg, etc.  Those who sign up 15 plus but less than 30 RBC PACs will also be rewarded with a lump-sum $750 bonus.

All winners from the 1^st series will get first dips and their business will start counting from August 17^th.

The PAC strategy is especially beneficial for both clients and advisors in midst of the current volatility.  So with advance planning this time, you can surely win some of the extra bonus rewards.  Of course, this is not just for the $2,000 but for the long term growth of your business and recurrent income.  We will also arrange 1-on-1 trainings to help members win the campaign – send a reply to admin@wayfinancial.ca to indicate your interest in joining and start your PAC business now!

Spring Fling Winners & Additional 20% FYC Bonus Campaign for iA Business

Congratulations to the following winners for the Spring Fling:

Ella Chen, Darren Ng, Yuki Ozawa, Kenny So and Grace Zhu!

Your rewards of $200, $100 and $25 gift cards will be distributed shortly so check your mailboxes.

And remember, these members are also on track to getting the additional 20% FYC bonus this year.  Others can join them as well for the campaign runs for the whole year.  One corporate shared ownership CII or a few iA new Par cases will likely get you the FYC10,000 and qualified for the bonus!  All other insurance products such as Term and Acci-7 Hospitalization Benefit count too.

Contact Rishu Bains at rishu.bains@ia.ca or (604)354-2711, or Michelle Kwan at Michelle.Kwan@ia.ca or (604)737-9154 for iA’s new Par and other life business, and Jackie Singzon at (604)220-7692 and Danielle Fairbank danielle.fairbank@ia.ca or (778)886-8492 for Critical Illness and Acci7 Hospitalization Benefit.

New Specialized Training – Focus Group on Corporate Cases

Further to the 9 Classes Scaling Strategies to Generate Corporate Clients, an intermediate class to further your business and sales techniques will be organized to support those members who are committed and have taken action to doing corporate cases.  Here is a preview of the 6 topics for this Focus Group:

This Focus Group is open without cost to committed members.

Members who have indicated their interest will be sent a separate e-mail with more details such as the class pre-requisites.  Reach out to Stephen Lai to indicate your interest and find out if you are eligible, at stephen.lai@wayfinancial.ca or (604) 279-0866 ext. 114.

Carriers’ Updates

Canada Life

Canada Life now accepts secure electronic signatures by clients on Agent of Record (AOR) change requests for both insurance and segregated funds business.

• Review the attached CL E-signature Checklist and Q&A to ensure you’ve met all the requirements.

Contact Carol Ng at Carol.Ng@CanadaLife.com or (604)377-7203, or Hinris Chan at Hinris.Chan@canadalife.com or (604)443-8247 for any questions you may have.

iA

iA is raising the premium premium rate for universal life and whole life insurance products, effective August 3^rd, 2020. All applications received on and after this date will be processed as per the new rates.

Remember, there’s a dividend incentive of 0.25% for the life time of the client’s contract for par policies submitted by October 31^st, 2020. See below for more information.

Sun Life

Sun Life now allows you to submit non-face-to-face applications with non-medical questions, instead of a mandatory tele-interview for the following age and face amounts:

For life insurance:

Age 0-17, up to $1,000,000

Age 18-40, up to $499,999

Age 41-50, up to $249,999

Age 51-60, up to $99,999

For critical illness insurance:

Age 0-17, up to $1,000,000

Age 18-40, up to $250,000

Age 41-50, up to $100,000

For applications in progress and within the above criteria and where the medical questions have been completed, Sun Life will cancel the tele-interview and proceed directly to underwriting; applications that fall outside of the above limits, a tele-interview is required and your client will be contacted.

Contact Viola Lam at Viola.Lam@sunlife.com or (604)417-0791 or Renee Ho at renee.ho@sunlife.com or (604)657-9251 for any questions you may have.

Upcoming Virtual Trainings

Please note when you sign in to the virtual trainings, make sure you use your legal name so the organizer can recognize you and have applicable CE credits issued accordingly.  If requested by the speaker, please type in your name and e-mail address in the chat box to have your attendance recorded properly.

Business Management on Build Your Wealth with ACP — Stephen Lai & B2B Danya Wang

11am, Wednesday, July 15^th

Come learn how efficient business operations can enhance your business volume and compensation.

Click on the link below to join:

Join Microsoft Teams Meeting

How Manulife Par Competes in Today’s Market — ML Chris Chang

11am, Friday, July 17^th

Don’t miss the presentation from Manulife on how Par competes in current situation.

Click on the link below to join:

Join Microsoft Teams Meeting

Best regards,

Administration Department

“The WAY to connect people. The WAY to drive business.”

Way Financial Inc.

Tel:  (1) 604 279 0866

Fax: (1) 604 278 0133

www.wayfinancial.ca

2nd Floor, 8171 Ackroyd Road

Richmond, BC V6X 3K1

This e-mail (including any attachments) is confidential and may contain proprietary information of Way Financial Inc. It may be privileged or otherwise protected from disclosure.

If you are not the intended recipient, please notify the sender immediately by return e-mail, and then delete the e-mail from your system. Any disclosure, dissemination, distribution or copying of this e-mail is strictly prohibited.