Hell all, after a good night of sleep I was resolved the problem this morning
There is indeed a specific folder the HBK file has to go into, it's called "SMS_back-up" , it resides in the SD card menu, along Android, Pictures, etc...
I had to...
Post 41 says yes.
I went to Telus and Bell today ( the Fido and Sasktel stores didn't have working demo models ), I checked the FCC tags and both of them showed "PJ40110". on the top line.
I didn't look at the FCC ID or IC.