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<p align=center style='text-align:center'><b><span style='font-family:Verdana'>How to attract inward investor, high net worth individuals and the self-employed</span></b></p>਀ 
<p><i><span style='font-size:10.0pt;font-family:Arial'>Submitted by: Herbert Brownstein, Brownstein, Brownstein and Associates,October 2002, Durban, South Africa਀㰀⼀猀瀀愀渀㸀㰀⼀椀㸀㰀⼀瀀㸀 
਀㰀瀀㸀㰀猀瀀愀渀 猀琀礀氀攀㴀✀昀漀渀琀ⴀ猀椀稀攀㨀㄀　⸀　瀀琀㬀昀漀渀琀ⴀ昀愀洀椀氀礀㨀䄀爀椀愀氀✀㸀 
Introduction:਀ 
The Province of Quebec has had a reputation of being the province in Canada, to most aggressively market it’s business programs, particularly under the investor category.  <br>਀ 
<p>਀䤀一嘀䔀匀吀伀刀 倀刀伀䜀刀䄀䴀㨀 
਀儀甀攀戀攀挀ᤀ猠 猀攀氀攀挀琀椀漀渀 挀爀椀琀攀爀椀愀 甀渀搀攀爀 琀栀攀 椀渀瘀攀猀琀漀爀 挀愀琀攀最漀爀礀 挀漀渀琀椀渀甀攀猀 琀漀 戀攀 焀甀椀琀攀 漀瀀攀渀⸀  吀栀攀 挀爀椀琀攀爀椀愀 昀漀爀 攀氀椀最椀戀椀氀椀琀礀 椀渀挀氀甀搀攀㨀 
<p>1. Three (3) years of management experience in a farming, commercial or industrial business that is profitable and legal.  Management experience is defined as the actual assuming, on a full-time basis, of the responsibilities and duties related to the planing, management and control of material, financial and human resources,਀㰀瀀㸀㈀⸀ 䄀挀挀甀洀甀氀愀琀椀漀渀 漀昀 愀 洀椀渀椀洀甀洀 瀀攀爀猀漀渀愀氀 渀攀琀 眀漀爀琀栀 漀昀 䌀䐀一 ␀㠀　　Ⰰ　　　 昀爀漀洀 琀栀攀 椀渀瘀攀猀琀漀爀ᤀ猠 漀眀渀 攀挀漀渀漀洀椀挀 攀渀搀攀愀瘀漀甀爀猀 ⠀渀漀 最椀昀琀猀 漀爀 椀渀栀攀爀椀琀愀渀挀攀⤀Ⰰ 愀渀搀 
<p>3. Investment and settlement in Quebec,਀㰀⼀瀀㸀 
</span></p>਀ 
<p><span style='font-size:10.0pt;font-family:Arial'>਀䔀一吀刀䔀倀䔀一䔀唀刀 倀刀伀䜀刀䄀䴀㨀 
਀儀甀攀戀攀挀 搀攀昀椀渀攀猀 椀琀ᤀ猠 攀渀琀爀攀瀀爀攀渀攀甀爀 瀀爀漀最爀愀洀 愀猀 昀漀氀氀漀眀猀㨀 
<p>਀㄀⸀ 䄀渀 椀渀搀椀瘀椀搀甀愀氀 眀栀漀 栀愀猀 洀愀渀愀最攀洀攀渀琀 攀砀瀀攀爀椀攀渀挀攀 漀昀 愀琀 氀攀愀猀琀 琀栀爀攀攀 ⠀㌀⤀ 礀攀愀爀猀 椀渀 愀 昀愀爀洀椀渀最Ⰰ 挀漀洀洀攀爀挀椀愀氀 漀爀 椀渀搀甀猀琀爀椀愀氀 戀甀猀椀渀攀猀猀 琀栀愀琀 椀猀 瀀爀漀昀椀琀愀戀氀攀 愀渀搀 氀攀最愀氀⸀  䴀愀渀愀最攀洀攀渀琀 攀砀瀀攀爀椀攀渀挀攀 椀猀 搀攀昀椀渀攀搀 愀猀 椀渀 琀栀攀 椀渀瘀攀猀琀漀爀 瀀爀漀最爀愀洀⸀ 
</p>਀㰀瀀㸀 
2. The entrepreneur must create or purchase a business to operate and manage him/herself, in the farming, commercial or industrial sector, and must employ at least 3 Quebec residents in addition to him/herself or his accompanying family members, on a full time permanent basis,਀㰀⼀瀀㸀 
</span></p>਀ 
<p><span style='font-size:10.0pt;font-family:Arial'>਀匀䔀䰀䘀 䔀䴀倀䰀伀夀䔀䐀 倀刀伀䜀刀䄀䴀㨀 
਀䄀 猀攀氀昀ⴀ攀洀瀀氀漀礀攀搀 眀漀爀欀攀爀 椀猀 愀渀 椀渀搀椀瘀椀搀甀愀氀 眀栀漀 挀漀洀攀猀 琀漀 儀甀攀戀攀挀 琀漀 挀爀攀愀琀攀 栀椀猀⼀栀攀爀 漀眀渀 攀洀瀀氀漀礀洀攀渀琀 戀愀猀攀搀 漀渀 琀栀攀 攀砀攀爀挀椀猀攀 漀昀 漀渀攀 漀昀 琀栀攀 瀀爀漀昀攀猀猀椀漀渀猀 搀攀昀椀渀攀搀 椀渀 琀栀攀 䌀氀愀猀猀椀昀椀挀愀琀椀漀渀 漀昀 一愀琀椀漀渀愀氀 漀挀挀甀瀀愀琀椀漀渀猀⸀ 
</span></p>਀ 
਀㰀瀀㸀㰀猀瀀愀渀 猀琀礀氀攀㴀✀昀漀渀琀ⴀ猀椀稀攀㨀㄀　⸀　瀀琀㬀昀漀渀琀ⴀ昀愀洀椀氀礀㨀䄀爀椀愀氀✀㸀 
I. Discussion of Possible Immigrant Profiles਀ 
Although 10 points will be received by the 30 to 35 year old applicant and zero points for the 50 to 60 year old applicant, under the Quebec points selection criteria for the business programs the passing grade is low enough for individuals to pass who do not score any points for age or language skills.਀ 
In terms of the liquidity of assets (2 million or 20 million as stated in the example profile), so long as the applicant can prove the assets are accumulated by his own economic endeavours, the liquidity at the time of interview is not crucial, although he must be able to show transferablility.  He must be able to transfer the money to Quebec in order to receive his Certificate of Selection under the investor Category and utilize the necessary funds to open a business under the Entrepreneur category or self-employed category in order to have his condition of creating or purchasing a business removed.਀ 
In order for the family to obtain their permanent resident status they must accompany the principle applicant to Canada.  ਀ 
Under the investor program assets acquired through inheritance will not be considered.  The investor must prove a minimum net worth of CDN $800,000 from his/her own economic endeavours. Entrepreneurs and Self-employed applicants can include inheritance money in their statement of assets.਀ 
Should the applicant intend to travel extensively while holding permanent residence status in other jurisdictions, he will have a great difficulty in fulfilling the Canadian requirement of residency, in order to maintain his permanent resident status.  Once the Canadian permanent resident obtains Canadian citizenship (after 36 months of physical presence in Canada and passing the proper test), the requirement of physical presence in Canada no longer exists.਀㰀⼀猀瀀愀渀㸀㰀⼀瀀㸀 
਀ 
<p><span style='font-size:10.0pt;font-family:Arial'>਀䤀䤀⸀ 䌀漀甀渀琀爀礀 倀爀漀昀椀氀攀㨀 儀甀攀戀攀挀Ⰰ 䌀愀渀愀搀愀 
਀ 
INVESTOR PROGRAM:਀ 
Quebec’s selection criteria under the investor category continues to be quite open.  The criteria for eligibility include:਀ 
MINIMUM NET WORTH:਀ 
CDN $800,000਀ 
ACTIVE BUSINESS INVOLVEMENT AFTER IMMIGRATION:਀ 
Not required.਀ 
SOURCE OF FUNDS਀ 
Accumulation of a minimum personal net worth of CDN $800,000 from the investor’s own economic endeavours (no gifts or inheritance)਀ 
EVIDENCE OF PRIOR BUSINESS MANAGEMENT਀ 
Three (3) years of management experience in a farming, commercial or industrial business that is profitable and legal.  Management experience is defined as the actual assuming, on a full-time basis, of the responsibilities and duties related to the planing, management and control of material, financial and human resources.਀ 
MINIMUM INVESTMENT਀ 
CDN $400,000.  The investment is made through an Quebec Government approved broker with the approval and investment assistance of the Government of Quebec.  The investment must be made prior to entry to Canada. Loan arrangements by the brokers are allowed.਀ 
਀䌀伀一䐀䤀吀䤀伀一匀㨀 
਀吀栀攀 椀洀洀椀最爀愀渀琀 洀甀猀琀 洀愀欀攀 琀栀攀 渀攀挀攀猀猀愀爀礀 椀渀瘀攀猀琀洀攀渀琀 愀猀 漀甀琀氀椀渀攀搀 愀戀漀瘀攀⸀  吀栀攀 椀洀洀椀最爀愀渀琀 椀猀 渀漀琀 漀戀氀椀最攀搀 琀漀 甀渀搀攀爀琀愀欀攀 愀渀礀 戀甀猀椀渀攀猀猀 愀挀琀椀瘀椀琀椀攀猀 愀昀琀攀爀 愀爀爀椀瘀愀氀Ⰰ 愀渀搀 洀愀礀 氀椀瘀攀 椀渀 愀渀礀 挀椀琀礀 椀渀 琀栀攀 瀀爀漀瘀椀渀挀攀 漀昀 儀甀攀戀攀挀⸀   
਀㰀⼀猀瀀愀渀㸀㰀⼀瀀㸀 
਀㰀瀀㸀㰀猀瀀愀渀 猀琀礀氀攀㴀✀昀漀渀琀ⴀ猀椀稀攀㨀㄀　⸀　瀀琀㬀昀漀渀琀ⴀ昀愀洀椀氀礀㨀䄀爀椀愀氀✀㸀 
ENTREPENEUR PROGRAM:਀ 
Quebec defines it’s entrepreneur program as follows:਀ 
MINIMUM NET WORTH:਀ 
CDN $200,000਀ 
ACTIVE BUSINESS INVOLVEMENT AFTER IMMIGRATION:਀ 
The entrepreneur must create or purchase a business to operate and manage him/herself, in the farming, commercial or industrial sector, and must employ at least 3 Quebec residents in addition to him/herself or his accompanying family members, on a full time permanent basis,਀ 
਀匀伀唀刀䌀䔀 伀䘀 䘀唀一䐀匀 
਀䄀挀挀甀洀甀氀愀琀椀漀渀 漀昀 愀 洀椀渀椀洀甀洀 瀀攀爀猀漀渀愀氀 渀攀琀 眀漀爀琀栀 漀昀 䌀䐀一 ␀㈀　　Ⰰ　　　⸀ ⠀䤀渀栀攀爀椀琀愀渀挀攀 椀渀挀氀甀搀攀搀⤀ 
਀䔀嘀䤀䐀䔀一䌀䔀 伀䘀 倀刀䤀伀刀 䈀唀匀䤀一䔀匀匀 䴀䄀一䄀䜀䔀䴀䔀一吀 
਀吀栀爀攀攀 ⠀㌀⤀ 礀攀愀爀猀 漀昀 洀愀渀愀最攀洀攀渀琀 攀砀瀀攀爀椀攀渀挀攀 椀渀 愀 昀愀爀洀椀渀最Ⰰ 挀漀洀洀攀爀挀椀愀氀 漀爀 椀渀搀甀猀琀爀椀愀氀 戀甀猀椀渀攀猀猀 琀栀愀琀 椀猀 瀀爀漀昀椀琀愀戀氀攀 愀渀搀 氀攀最愀氀⸀  䴀愀渀愀最攀洀攀渀琀 攀砀瀀攀爀椀攀渀挀攀 椀猀 搀攀昀椀渀攀搀 愀猀 琀栀攀 愀挀琀甀愀氀 愀猀猀甀洀椀渀最Ⰰ 漀渀 愀 昀甀氀氀ⴀ琀椀洀攀 戀愀猀椀猀Ⰰ 漀昀 琀栀攀 爀攀猀瀀漀渀猀椀戀椀氀椀琀椀攀猀 愀渀搀 搀甀琀椀攀猀 爀攀氀愀琀攀搀 琀漀 琀栀攀 瀀氀愀渀椀渀最Ⰰ 洀愀渀愀最攀洀攀渀琀 愀渀搀 挀漀渀琀爀漀氀 漀昀 洀愀琀攀爀椀愀氀Ⰰ 昀椀渀愀渀挀椀愀氀 愀渀搀 栀甀洀愀渀 爀攀猀漀甀爀挀攀猀⸀ 
਀䴀䤀一䤀䴀唀䴀 䤀一嘀䔀匀吀䴀䔀一吀 
਀䌀䐀一 ␀㄀　　Ⰰ　　　⸀ 吀栀攀 椀渀瘀攀猀琀洀攀渀琀 椀猀 洀愀搀攀 戀礀 漀瀀攀渀椀渀最 漀爀 瀀甀爀挀栀愀猀椀渀最 愀 戀甀猀椀渀攀猀猀 椀渀 儀甀攀戀攀挀Ⰰ 愀渀搀 椀渀挀氀甀搀攀猀 挀愀瀀椀琀愀氀 漀甀琀氀愀礀猀Ⰰ 爀攀渀琀Ⰰ 猀愀氀愀爀椀攀猀Ⰰ 椀渀瘀攀渀琀漀爀礀 攀琀挀⸀⸀⸀ 
਀ 
CONDITIONS:਀ 
The immigrant must make the necessary investment as outlined above in order to open a business and have his condition removed from his visa..  The immigrant may live in any city in the province of Quebec.  ਀ 
</span></p>਀ 
਀ 
਀㰀瀀㸀㰀猀瀀愀渀 猀琀礀氀攀㴀✀昀漀渀琀ⴀ猀椀稀攀㨀㄀　⸀　瀀琀㬀昀漀渀琀ⴀ昀愀洀椀氀礀㨀䄀爀椀愀氀✀㸀 
SELF EMPLOYED PROGRAM:਀ 
MINIMUM NET WORTH:਀ 
CDN $100,000਀ 
ACTIVE BUSINESS INVOLVEMENT AFTER IMMIGRATION:਀ 
The self-employed must create or purchase a business relating to his profession as outlined in the Classification of National Professions, which he will operate and manage himself, on a full time permanent basis,਀ 
਀匀伀唀刀䌀䔀 伀䘀 䘀唀一䐀匀 
਀䄀挀挀甀洀甀氀愀琀椀漀渀 漀昀 愀 洀椀渀椀洀甀洀 瀀攀爀猀漀渀愀氀 渀攀琀 眀漀爀琀栀 漀昀 䌀䐀一 ␀㄀　　Ⰰ　　　⸀ ⠀䤀渀栀攀爀椀琀愀渀挀攀 椀渀挀氀甀搀攀搀⤀ 
਀䔀嘀䤀䐀䔀一䌀䔀 伀䘀 倀刀䤀伀刀 䈀唀匀䤀一䔀匀匀 䴀䄀一䄀䜀䔀䴀䔀一吀 
਀一漀琀 爀攀焀甀椀爀攀搀⸀ 
਀䴀䤀一䤀䴀唀䴀 䤀一嘀䔀匀吀䴀䔀一吀 
਀吀栀攀 愀洀漀甀渀琀 椀猀 渀漀琀 昀椀砀攀搀⸀  吀栀攀 椀渀瘀攀猀琀洀攀渀琀 椀猀 洀愀搀攀 戀礀 漀瀀攀渀椀渀最 漀爀 瀀甀爀挀栀愀猀椀渀最 愀 戀甀猀椀渀攀猀猀 椀渀 儀甀攀戀攀挀Ⰰ 愀渀搀 椀渀挀氀甀搀攀猀 挀愀瀀椀琀愀氀 漀甀琀氀愀礀猀Ⰰ 爀攀渀琀Ⰰ 猀愀氀愀爀椀攀猀Ⰰ 椀渀瘀攀渀琀漀爀礀 攀琀挀⸀⸀⸀ 
਀䌀伀一䐀䤀吀䤀伀一匀㨀 
਀吀栀攀 椀洀洀椀最爀愀渀琀 洀甀猀琀 洀愀欀攀 琀栀攀 渀攀挀攀猀猀愀爀礀 椀渀瘀攀猀琀洀攀渀琀 愀猀 漀甀琀氀椀渀攀搀 愀戀漀瘀攀 椀渀 漀爀搀攀爀 琀漀 漀瀀攀渀 愀 戀甀猀椀渀攀猀猀 愀渀搀 栀愀瘀攀 栀椀猀 挀漀渀搀椀琀椀漀渀 爀攀洀漀瘀攀搀 昀爀漀洀 栀椀猀 瘀椀猀愀⸀  吀栀攀 椀洀洀椀最爀愀渀琀 洀愀礀 氀椀瘀攀 椀渀 愀渀礀 挀椀琀礀 椀渀 琀栀攀 瀀爀漀瘀椀渀挀攀 漀昀 儀甀攀戀攀挀⸀   
਀䄀 猀攀氀昀ⴀ攀洀瀀氀漀礀攀搀 眀漀爀欀攀爀 椀猀 愀渀 椀渀搀椀瘀椀搀甀愀氀 眀栀漀 挀漀洀攀猀 琀漀 儀甀攀戀攀挀 琀漀 挀爀攀愀琀攀 栀椀猀⼀栀攀爀 漀眀渀 攀洀瀀氀漀礀洀攀渀琀 戀愀猀攀搀 漀渀 琀栀攀 攀砀攀爀挀椀猀攀 漀昀 漀渀攀 漀昀 琀栀攀 瀀爀漀昀攀猀猀椀漀渀猀 搀攀昀椀渀攀搀 椀渀 琀栀攀 䌀氀愀猀猀椀昀椀挀愀琀椀漀渀 漀昀 一愀琀椀漀渀愀氀 漀挀挀甀瀀愀琀椀漀渀猀⸀ 
਀㰀⼀猀瀀愀渀㸀㰀⼀瀀㸀 
਀㰀瀀㸀㰀猀瀀愀渀 猀琀礀氀攀㴀✀昀漀渀琀ⴀ猀椀稀攀㨀㄀　⸀　瀀琀㬀昀漀渀琀ⴀ昀愀洀椀氀礀㨀䄀爀椀愀氀✀㸀 
II. Processing Information਀ 
The following is a general description of the documentation required and processing stages in a Quebec Business application.   The documentation is quite extensive and cannot be described in it’s entirety within the limits of this paper.਀ 
The applicant forms are very detailed and request support documents to prove the contents of the applicants Balance sheet of Assets and Liabilities. This includes, bank statements, property deeds, financial statements with owners equity outlined, and capital evaluation reports. ਀ 
 In addition to the application form with support documentation, entrepreneurs must submit a detailed business plan as well as documents in support of their market investigatory visit to Quebec.  This detailed business plan, must include all the elements to convince the officer that the applicant will succeed in their business project.  During the visit to Quebec, the entrepreneur applicant, must visit banks, accountants, lawyers, potential suppliers, potential rental facilities, government associations and business associations and whatever other relevant resources as well as provide proof to the officer of said visits.਀ 
In the initial application, the investor must prove the accumulation of all his/her money.  This can be done by way of reference letters from early employment, income tax statements, financial statements showing annual profits, bank statements showing a history of deposits etc....਀ 
The self-employed applicant must submit much of the documentation listed above.  This naturally,  is in addition to, the normal documentation, such as photos, passports etc, required in any immigration application.਀ 
The processing times are always changing depending on the volume of application, and the number of immigration officers sent to work a missions around the world and at the business head office in Montreal.  However, one thing is certain.  The processing times for Quebec are much faster than for applications through the Federal (Canadian System).  At present processing times in these catagories depending on the Quebec Delegation range from three to nine months until interview.  After the applicant receives Certificates of Selection for his family, the Federal Government must complete security and medical clearance which usually takes another 3 to 12 months.਀ 
Children, 22 years and younger, if unmarried are included as dependents of the principle applicant.  Dependent children 22 years of age or older may be included if they are full-time students and financially dependent up on their parents.  Full-time students must prove that they are, and have been, studying in an accredited post-secondary educational institution without interruption since their 22nd birthday in a defined academic, professional or vocational program of study. ਀ 
Visas are valid for one year from the date of the passing of the medical evaluation.  The visa must be activated by entering Canada before the expiry date as written thereon.਀ 
</span></p>਀ 
<p><span style='font-size:10.0pt;font-family:Arial'>਀䤀䤀䤀⸀ 倀漀猀琀 䄀爀爀椀瘀愀氀 伀戀氀椀最愀琀椀漀渀猀 
਀ 
Under the investor category there are little to no obligations after the $400,000 investment is made.  After 5 years the investment is returned to the investor.  He does not have to open up any other business or stay in any particular jurisdiction with Quebec.਀ 
Under the Entrepreneur and Self-employed Categories the immigrant must open up a business within 2 years of arrival and prove this effort to the immigration authorities in order to have the condition on his visa removed.  ਀ 
Naturally he must live in Quebec in order to manage the business himself.਀ 
Historically, many Quebec Investors have left Quebec and settled in other provinces after arrival.  Entrepreneurs and Self-employed cannot do this since they have to actively manage their business within Quebec in order to have the condition removed.਀㰀⼀猀瀀愀渀㸀㰀⼀瀀㸀 
਀㰀瀀㸀㰀猀瀀愀渀 猀琀礀氀攀㴀✀昀漀渀琀ⴀ猀椀稀攀㨀㄀　⸀　瀀琀㬀昀漀渀琀ⴀ昀愀洀椀氀礀㨀䄀爀椀愀氀✀㸀 
IV. Analysis਀ 
Individuals who are not within the preferred age group, do not speak English or French, but have sufficient assets accumulated legally by their own economic efforts, chose the Investor Visa, since they would not be eligible under any non-business visa, nor do they wish to actively operate a business in Canada.  Many of these individuals wish to improve the family situation and hope that their children will receive the education and social democratic benefits of Canada.਀ 
Individuals who do not have the necessary $800,000 Canadian accumulated as stated above, and are not within the preferred age group and may have poor language skills, chose one of the other business visas.  These individuals have the necessary business experience to succeed under the entrepreneur or self-employed category, but do not meet the points for skilled workers or professionals.਀ 
The benefits of applying for a business visa,  primarily center around the fact that the applicant would not be able to obtain permanent residency to Canada under another program and has a strong desire to immigrate to one of the “best places in the world to live” as stated by the United Nations on many occasions.਀ 
The liability of any of these programs is the financial commitment the immigrant must make in choosing one of these categories.਀㰀⼀猀瀀愀渀㸀㰀⼀瀀㸀 
਀刀䔀匀倀䔀䌀吀䘀唀䰀䰀夀 匀唀䈀䴀䤀吀吀䔀䐀 䈀夀 䠀䔀刀䈀䔀刀吀 䈀刀伀圀一匀吀䔀䤀一Ⰰ 䐀唀刀䈀䄀一 䤀一吀䔀刀一䄀吀䤀伀一䄀䰀 䈀䄀刀 䄀匀匀伀䌀䤀䄀吀䤀伀一 䌀伀一䘀䔀刀䔀一䌀䔀Ⰰ 伀䌀吀伀䈀䔀刀 ㈀　　㈀ 
਀㰀瀀 挀氀愀猀猀㴀䴀猀漀一漀爀洀愀氀㸀☀渀戀猀瀀㬀㰀⼀瀀㸀 
਀㰀⼀搀椀瘀㸀 
਀㰀⼀戀漀搀礀㸀 
਀㰀⼀栀琀洀氀㸀 
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