ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META http-equiv=Content-Type content="text/html; charset=iso-8859-1"> <META content="MSHTML 6.00.6000.16825" name=GENERATOR></HEAD> <BODY leftMargin=0 topMargin=0 rightMargin=0><!--Copyright (c) 1996-2009 Constant Contact. All rights reserved. Except as permitted under a separate written agreement with Constant Contact, neither the Constant Contact software, nor any content that appears on any Constant Contact site, including but not limited to, web pages, newsletters, or templates may be reproduced, republished, repurposed, or distributed without the prior written permission of Constant Contact. For inquiries regarding reproduction or distribution of any Constant Contact material, please contact legal@constantcontact.com.--> <DIV id=rootDiv align=center> <TABLE style="MARGIN: 0px; BACKGROUND-COLOR: #f2f2f2" cellSpacing=0 cellPadding=0 width="100%" bgColor=#f2f2f2 border=0> <TBODY> <TR> <TD align=middle> <TABLE cellSpacing=0 cellPadding=0 width=600 border=0> <TBODY> <TR> <TD width="100%"> <TABLE id=content_LETTER.BLOCK1 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD align=middle><IMG contentEditable=false alt="Oriana/Gillis Group header" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/14.gif?a=1102496447721" border=0 name=ACCOUNT.IMAGE.14></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD> <TABLE style="BORDER-RIGHT: #5eacff 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: #5eacff 1px solid; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; BORDER-LEFT: #5eacff 1px solid; WIDTH: 600px; PADDING-TOP: 0px; BORDER-BOTTOM: #5eacff 1px solid" borderColor=#5eacff cellSpacing=0 cellPadding=0 width=600 border=0><TBODY> <TR> <TD style="BACKGROUND-COLOR: #6699cc" width="100%" bgColor=#6699cc colSpan=3> <TABLE id=content_LETTER.BLOCK2 hideFocus tabIndex=0 cellSpacing=0 cellPadding=3 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=left><FONT style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=3> <P align=left><FONT face=Tahoma,Arial,sans-serif size=4><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; April 2009</FONT></FONT></P></FONT></TD> <TD style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=right></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD width="100%" colSpan=3> <TABLE style="BACKGROUND-COLOR: #003082" cellSpacing=0 cellPadding=0 width="100%" bgColor=#003082 border=0> <TBODY> <TR> <TD style="WIDTH: 286px" width=289> <TABLE id=content_LETTER.BLOCK3 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD><IMG contentEditable=false height=188 alt="house -tulips" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/30.jpg?a=1102496447721" width=245 border=0 name=ACCOUNT.IMAGE.30></TD></TR></TBODY></TABLE></TD> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; PADDING-BOTTOM: 2px; WIDTH: 310px; PADDING-TOP: 2px" vAlign=center align=right width=310> <TABLE id=content_LETTER.BLOCK4 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 18pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=left><FONT style="FONT-SIZE: 18pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=5> <P align=center><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif><FONT size=5><SPAN style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align="center"><FONT style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=6>The Gillis Group<BR>Homeowner&nbsp;News</FONT></SPAN> </FONT></FONT></P></FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=3 height=5></TD> <TR> <TD style="WIDTH: 410px; BACKGROUND-COLOR: #ffffff" vAlign=top width=410 bgColor=#ffffff> <TABLE id=content_LETTER.BLOCK5 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left height=20 color="#ffffff"><FONT color=#003082><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">Dear Leslie,</FONT></B> </FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV>&nbsp;</DIV>Welcome to the new Gillis Group&nbsp;e-Newsletter!&nbsp; <IMG contentEditable=false alt="Scott Gillis" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/2.jpg?a=1102496447721" align=right border=0 name=ACCOUNT.IMAGE.2></FONT> <DIV> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Our goal is to keep you up to date on mortgage-related issues&nbsp;but also to&nbsp;provide valuable information on issues that are relevant to homeowners. </FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>We hope you find it interesting and informative.</FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>You may unsubscribe at any time by following the unsubscribe link at the bottom of each email.</FONT></DIV></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK6> <TABLE id=content_LETTER.BLOCK6 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U>Considering Refinancing or Locking In?</U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"> <DIV><IMG contentEditable=false height=222 alt=calculator src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/33.jpg?a=1102496447721" width=148 align=right border=0 name=ACCOUNT.IMAGE.33><FONT color=#003082>With mortgage rates at record lows, it may be a good time to consider refinancing your mortgage.</FONT></IMG></DIV></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV> <DIV>&nbsp;</DIV></DIV></FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>If you have a fixed rate mortgage, the main consideration&nbsp;is usually&nbsp;"Will the savings outweigh the costs of breaking&nbsp;my current mortgage?"&nbsp; If you have a variable rate mortgage, one that varies with the prime lending rate,&nbsp;you may be asking "Is this&nbsp;the best time to lock-in to a fixed rate?"&nbsp; <DIV>&nbsp;</DIV>Unfortunately the answers to these refinancing questions aren't&nbsp;simple. <DIV>&nbsp;</DIV> <DIV>The first step to finding the answer is gathering the details of your current mortgage.&nbsp; Consult your most recent mortgage statement or contact your lender and complete this <A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf7FMdBJCpuAyIJaKoTP_aRmgDQc75HUyIZ8Ne9CBfi6nf1AtCkZbq4aydVDhj0jfbny9_WXySi_pqNKpzcz61KmIXOdk7RB89JcbaPTtPa83XVK0hgNyQ5lQfX8s2xIxewUyvysm-G8SY4Q18PgzcI5bXY34PryNlg=" target=_blank linktype="link" track="on"><FONT color=#0000ff>Mortgage Refinancing Requirements form</FONT></A>.&nbsp; The next step is to contact us with the&nbsp;completed form&nbsp;so that we can help you make an informed refinancing decision.</DIV> <DIV>&nbsp;</DIV> <DIV>For additonal insight, read the&nbsp;<A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4enBGsp-4Og8s0NV6z3ceubSfBq-yhdqJtPnKha80RQpFcZpprtNWEr9PtYP-Q8Gu6Yk21vVpqJjm6F8e2_5sv6eu3KgRQ1CCs8R_h9D_DpB03aPD_0Fcnj9AAOyz9qBRl_ZAKMez0B46Z0nlMaKDdPdWsCWYZ4KnKHw6Hwtn4UuuVe2q7AadHzxOIHQLCjgbnm-9AIPrrTwO9jz1xaEiQ" target=_blank linktype="link" track="on"><FONT color=#0000ff>Rate Lock Consideration article</FONT></A> by Melanie &amp; Robert McLister of Canadian Mortgage Trends.</DIV></FONT></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK20> <TABLE id=content_LETTER.BLOCK20 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4Dv0aVxBmLcIkhjXv0ACR6XLgFe6cUzzRfQ_ZbOGQY1XuOE79Y2WYGPPBIeFm0Y2qFwplBwJnQnGqOAEY58xenjHshRBy8E7c505MSkxQ0VD4QUcyAGjbKQ-slpksOu8U5EqA4BDldXYmZ9pFBYXZXxwpMJgVXs2bOIm-0IO9Qfg==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Toronto Hydro Smart Meters</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp; <DIV><IMG contentEditable=false height=117 alt="Smart metre" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/31.jpg?a=1102496447721" width=365 border=0 name=ACCOUNT.IMAGE.31><BR><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV>Smart Meters are a Toronto Hydro tool that will help&nbsp;reduce the amount of electricity that is consumed in homes and businesses across Ontario.&nbsp;</DIV></FONT></IMG></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>The meters will record the amount of energy used and when it is used. They&nbsp;will also help consumers&nbsp;manage&nbsp;energy costs when they&nbsp;shift usage to times when the prices are lower.&nbsp;<BR></FONT></DIV> <DIV><FONT color=#003082> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"></FONT>&nbsp;</DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">Toronto Hydro will be installing a Smart Meter in every home and business in&nbsp;Ontario by 2010. </FONT></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>For complete information on the meters, visit the <A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4Dv0aVxBmLcIkhjXv0ACR6XLgFe6cUzzRfQ_ZbOGQY1XuOE79Y2WYGPPBIeFm0Y2qFwplBwJnQnGqOAEY58xenjHshRBy8E7c505MSkxQ0VD4QUcyAGjbKQ-slpksOu8U5EqA4BDldXYmZ9pFBYXZXxwpMJgVXs2bOIm-0IO9Qfg==" target=_blank linktype="link" track="on"><FONT color=#0000ff>Toronto Hydro website</FONT></A>&nbsp;where you can download an <A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5Vz5VrCEoq65kb6zZhsKArHnGtZF6sEcsiJFfSIDkq7h7qsAnrILEWAHOe5oO3pTzCCMyLprm4nqgTlodTSCkLbr1WN2X_WpvxCD0bFqEwn-TlwhAUnbGxN_OarWp4GbqapebqJfGWIi-zJr6d4Yo3NAnp7KbmtPKk2ZLouEFZWntQIozXhEMFAerPH6jG6sU=" target=_blank linktype="link" track="on"><FONT color=#0000ff>information brochure</FONT></A>. <DIV>&nbsp;</DIV> <DIV>If you would like to monitor&nbsp;your energy consumption, go to the Toronto Hydro website and <A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf60zizYWaSQg2XFEV2b_S3VkezXhLJ16bF5YvBhaCNwHb3wFdFB8oqfiXWocpHGNIKMFQCYJbd3BeTdy8KcAHUcYpiN2vSRgr8rpkRZy7j6Bok-6Eaq97McV3NmTXVNnk73EivGFzwUoCOma3GkSKEallqMx0y6md6KlCCwj8qEzQ==" target=_blank linktype="link" track="on"><FONT color=#0000ff>register</FONT></A>&nbsp;using your hydro account number.&nbsp; You will be able to see your daily electrictiy use hour by hour.</DIV></FONT></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK24> <TABLE id=content_LETTER.BLOCK24 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4fJ9xy2WFkD8Rztw5-vejU1fdHJl14TGQlJYumtcKljkHvtzMZulwLTiwZWrwxsY5EqAZEqTKu1_Zliq-tN1akzJtb8Jn0tqlEJPo2c4TR_spX7YBJ54eIYWy9BmvB4fOoDJIbwt2sVCBbjkZTOHVfANjmMdWBgjIxRXHaXciUiHszwEXKUKz-4g5CMPQD_FYobWYpNbfvcw==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Keeping the Cottage in the Family</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><IMG contentEditable=false height=133 alt=cottage src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/41.jpg?a=1102496447721" width=232 align=left border=0 name=ACCOUNT.IMAGE.41>With cottage season approaching, how to keep the&nbsp;summer home in the family may be&nbsp;a&nbsp;hot topic. The best &nbsp;course of action is to seek&nbsp;professional legal and tax advice. <DIV>&nbsp;</DIV>If you aren't convinced, read all about the </IMG></FONT><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4fJ9xy2WFkD8Rztw5-vejU1fdHJl14TGQlJYumtcKljkHvtzMZulwLTiwZWrwxsY5EqAZEqTKu1_Zliq-tN1akzJtb8Jn0tqlEJPo2c4TR_spX7YBJ54eIYWy9BmvB4fOoDJIbwt2sVCBbjkZTOHVfANjmMdWBgjIxRXHaXciUiHszwEXKUKz-4g5CMPQD_FYobWYpNbfvcw==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#0000ff>Sheldrake case</FONT></A><FONT color=#003082><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">&nbsp;and see how nasty and out of hand things can get! </FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">For&nbsp;more interesting reading, check out </FONT><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5pOlnu5CvXMKmgeiWxUcnSLAXdfxzSIpSD8UVS1z7dAsp2nTERuQIZogTmNB1pHMldRc7J3oLCKhJKzc6JNg0DuNfOSJ9Wnvy1-vkz_FOCXwsZyg25zuMM31DNUr_zBwjy2XADT71V_CCUDsQGCVvMc4T1MKUBoX0aS7Da5-YEccI3C42LT5Ym3EBSBL4vNPhkKXwm_YKsTtTXk83exo0puqbo1uFbBTiJE1vycohdcE1g1paMtsF7ZtL8JBOSifqswNWAnCqlmWQ6GghT-aJxKcvne0tyr5bOPDW1UmuAcjQqTevbq9yiXBnuPY8N8sHAYjIx9FomFB6a3_vgLfdM" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#0000ff>"The Cottage, the Spider Brooch and the Second Wife"</FONT></A><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">&nbsp;and pick up a copy of the </FONT><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf6IKE9XIsAOeRMtqNQzenVYutRrLPYb08DkQvbJoKKnD8Ov0EysL7zzfd3IXWA_IgJsQVDLwW50Bdmnzhqaf7jrcXhcIp-gq0rGIr2ZNFZrMZWeo2ubdZVXPfTzDPGUM_Eowe8KH16omA==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#0000ff>May issue of Cottage Life</FONT></A><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><FONT color=#0000ff>,</FONT> on sale now.</FONT></DIV></FONT></FONT></TD></TR></TBODY></TABLE></A></TD> <TD style="BACKGROUND-COLOR: #6699cc" width=1 bgColor=#6699cc><IMG height=1 src="http://img.constantcontact.com/letters/images/spacer.gif" width=1 border=0></TD> <TD style="WIDTH: 190px; BACKGROUND-COLOR: #ffffff" vAlign=top width=190 bgColor=#ffffff> <TABLE style="MARGIN-BOTTOM: 6px" cellSpacing=0 cellPadding=3 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #003082; PADDING-TOP: 2px; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; BACKGROUND-COLOR: #6699cc" align=left bgColor=#6699cc height=20><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=4><B>In This Issue </B></FONT></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK6" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Considering Refinancing?</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK20" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Toronto Hydro - Smart Metres</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK24" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Keeping the Cottage in the Family</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK16" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>In the News</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK22" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Rate Drops After Approval</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK19" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>MoneySense </FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK23" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Homestars</FONT></A></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK16> <TABLE id=content_LETTER.BLOCK16 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U> <DIV>In the News</DIV></U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4juoj458OachhEb3SZh_u74anaGeoXc9cLGQy2kAKxhmY48QFBzQRai1hWVInq2og9KB4GCq78FzBr3JWVuXQWAKy3uFNEYqQnI9_TyK56ZxQ5XIQnXcs13U4oZif1eLk-TZJvUZ2id9TTZkek6Eai38mSt1tUHN825MPmJedP-l2nAWwaPKSugZxMeWvnWHc-JMDjBO_N1zsL5k5dsttq" target=_blank linktype="link" track="on"><FONT color=#0000ff> <DIV>The Perfect Piggy Bank </DIV></FONT></A><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5T1X-nWUZAZgpiAsKGWJmVm_meJD7yuxqYxpnf_-gWEB87TLpR5uAgzwARtL4nCMOGe88F9Mnk8btthfb_oZXPWCCOWzYlLGo8m2tZAL6RZh1wVvz0Q-__4tTi8RAQaSgXHQqV07r_rraN0xzZZU_9f7zN4he6jUWNuuknwhPu-GodGEXN9JsIt4miK8lJ3_bvJFHasPRWiw==" target=_blank linktype="link" track="on"></FONT></DIV> <DIV></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5T1X-nWUZAZgpiAsKGWJmVm_meJD7yuxqYxpnf_-gWEB87TLpR5uAgzwARtL4nCMOGe88F9Mnk8btthfb_oZXPWCCOWzYlLGo8m2tZAL6RZh1wVvz0Q-__4tTi8RAQaSgXHQqV07r_rraN0xzZZU_9f7zN4he6jUWNuuknwhPu-GodGEXN9JsIt4miK8lJ3_bvJFHasPRWiw==" target=_blank linktype="link" track="on"><FONT color=#0000ff>TFSA Buyer's Guide</FONT></A>&nbsp;</DIV></FONT> <DIV><FONT color=#003082> <DIV>&nbsp;</DIV> <DIV>For more information on the&nbsp;new TFSAs and RRSPs, contact Brett Okorofsky, Oriana Wealth Management, at (416) 930.0184 or <A href="mailto:brett@orianawealth.com" target=_blank><FONT color=#0000ff>brett@orianawealth.com</FONT></A>.</DIV> <DIV>&nbsp;</DIV></FONT></DIV></FONT></DIV></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK8 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left height=20 color="#ffffff"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U>Quick Links</U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" align=left> <DIV><FONT color=#003082> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf7Gme1i7Ph4mI91MhkzMtEGkMASu9xcc-GDkfMjh6rIubrKItIFvi9vsNXNv5OBtDQ5_qD3kvK6L0BqxinTxYFpE3KIHyYQKlwGETnATvsloXFuEmSTKR8VYdnEN5ilAvw=" target=_blank linktype="link" track="on"><FONT color=#003082 size=2> <DIV>The Mortgage Checkup</DIV></FONT></A><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf6QETrtDRdKx1IMIG19HqujxnrGMlqunrCRvur8kWvBVhZjB38E34cu_0eV4lHlt7AadidW316-xfoNT64Wv-XCpIHgKwLRjj7J_HRuwTGxcKISOT9C9nAhxwG1WN_IwOtJSX_heS_Taw==" target=_blank color="#000000" linktype="link" track="on"></DIV></FONT></DIV><FONT color=#003082 size=2>Current Rates &amp; Other Articles</FONT> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf7Bv8b5gSFqrBac0r1LSHkoLabSuMVX4cI3DuMV2j9O9Qn4VcOAc1umvm6flfWiR3Es-5xEz3Jei0FmxuxQSZPPO2q7_VcXqo2WarkMnR3i8XZ4c80uU5ouXanCVzdrlcQ=" target=_blank linktype="link" track="on"><FONT color=#003082 size=2><U>Calculators</U></FONT></A></DIV> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4FykGav8qmH5RmI8gKKfQfWcb7ucCIDIkKmOfF2uP2SoEimsZc3lCno-nLsdshe7VdPKj_tf78Ocf0YAh7nypWZ31dyrrzkiGYrkf--g8LUjF9Hh5AA0nHXu_3Om-vU3t562C9BH57qge6ro9hvwN5EmthlZBWfoP5mctqCfPBPw==" target=_blank linktype="link" track="on"><FONT color=#003082 size=2><U>Your Credit Score</U></FONT></A></DIV> <DIV><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf487Q6E61gvgydu7EVzwX0O1EwGnv4tDLXsAR15KthV8bhk9H5mPFy_4pEFrdN0n6FdgzJ6C6ixfZvXVDdRalK9IiDzCcwlz1OMcMzzCY7KcI3NcSFD8lht7IKGGORUlBE=" target=_blank color="#000000" linktype="link" track="on"><FONT color=#003082 size=2><U>First Time Homebuyer</U></FONT></A></DIV> <DIV><A style="FONT-SIZE: 8pt; 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<FONT size=3><STRONG>&nbsp;</STRONG></FONT><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf6Wmq_y4wP6ILXvn0lyrCawf6UbaxsgcUW-aU3ndwn3YzXfTsFRv-gUQ7RLOhPPhc31oqrSy9f09E8ERH8C4_ixhIBJrSRlxG-bbgLfC1HGDf91Qp-KZ703" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=3><STRONG>Our Website</STRONG></FONT> </A></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK10 hideFocus style="MARGIN-BOTTOM: 6px; BACKGROUND-COLOR: #6699cc" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" bgColor=#6699cc border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><A style="COLOR: #0000ff; TEXT-DECORATION: underline" href="http://visitor.constantcontact.com/email.jsp?m=1101584452304" target=_blank shape=rect align="center" color="#4cc4fc"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=3>Join our Mailing List!</FONT></B></A><FONT color=#003082>&nbsp;</FONT></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK22> <TABLE id=content_LETTER.BLOCK22 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4GAjJxFZaAxff8qcDxrAaRjS-Dfitm54AnOEz8htRPdXOODihsWQuHYs69SmXH32Z-GuLaSIrxpWRPP6kLpOecmoibw7OaALPzhsrxL105RjvWd_G8vqU4xSf2fUO-2-mAV8w8YXnCJ7uvhZXwK_5Llo2oMe7qvUuYB88sCUVNAxSzxzXq13NACLzKPOIdLBl_aNzNmP_RAKNIT_Gsc9GK" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=4><STRONG>Rate Drops After Approval</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp;</FONT> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><IMG contentEditable=false height=149 alt="rate drop" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/38.jpg?a=1102496447721" width=149 border=0 name=ACCOUNT.IMAGE.38> <DIV>When you apply for a mortgage, whether it is for a new purchase or for a refinance, the lender will approve you at their current rate, which will vary depending on the terms you choose. </DIV></IMG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>But&nbsp;what happens if the rate drops after you have been approved? The answer&nbsp;depends on the lender.&nbsp; Read this </FONT><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf4GAjJxFZaAxff8qcDxrAaRjS-Dfitm54AnOEz8htRPdXOODihsWQuHYs69SmXH32Z-GuLaSIrxpWRPP6kLpOecmoibw7OaALPzhsrxL105RjvWd_G8vqU4xSf2fUO-2-mAV8w8YXnCJ7uvhZXwK_5Llo2oMe7qvUuYB88sCUVNAxSzxzXq13NACLzKPOIdLBl_aNzNmP_RAKNIT_Gsc9GK" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#0000ff>article</FONT></A><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp;from&nbsp;Canadian Mortgage Trend to find out more.&nbsp;</FONT></DIV></DIV></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" width="100%" bgColor=#6699cc colSpan=3 height=5></TD> <TR> <TD style="WIDTH: 600px; BACKGROUND-COLOR: #ffffff" width="100%" bgColor=#ffffff colSpan=3><A name=LETTER.BLOCK19> <TABLE id=content_LETTER.BLOCK19 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><B><U><EM><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5rSVPr2qRpX8ZHv4rO16JGM3_fGk8C9TlOM-aSVhw-HqDQAeR3Fey0UWJNmYdwRQnyPlGv6bvlBeoCt3zxNikCeMWdZvZlvaciOM_Zx0IurLwbOyu1NaLl8Ho9T29nHexxF6KFc3wMm8svKqn0lh7QAGSoZJLoK8vntMtWIv8ec7jOsvWXDbRG64awHd5cqF9XAEzJyZufZL_LFpQx7GPM" target=_blank linktype="link" track="on"><FONT color=#003082>MoneySense</FONT></A></EM></U></B></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5rSVPr2qRpX8ZHv4rO16JGM3_fGk8C9TlOM-aSVhw-HqDQAeR3Fey0UWJNmYdwRQnyPlGv6bvlBeoCt3zxNikCeMWdZvZlvaciOM_Zx0IurLwbOyu1NaLl8Ho9T29nHexxF6KFc3wMm8svKqn0lh7QAGSoZJLoK8vntMtWIv8ec7jOsvWXDbRG64awHd5cqF9XAEzJyZufZL_LFpQx7GPM" target=_blank track="on"><IMG contentEditable=false height=210 alt="MoneySense Magazine" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/21.jpg?a=1102496447721" width=171 align=left border=0 name=ACCOUNT.IMAGE.21></A>In today's economy everyone could use some sound financial advice, from&nbsp;investment and money management news to&nbsp;tips and guides.&nbsp;"Every issue of <EM>MoneySense </EM>is filled with hundreds of insights, strategies, tips and ideas to help you achieve your financial freedom!"&nbsp;&nbsp;<BR><BR>Give the gift of good service and help your friends, family and co-workers with their money sense.&nbsp;&nbsp; <BR>&nbsp;<BR>When you make a referral we will present you and our new client with a complimentary&nbsp;one-year subscription to <EM>MoneySense</EM>, Canada's best-selling personal investment and lifestyle magazine.</FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK23> <TABLE id=content_LETTER.BLOCK23 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5YVUWBwWCD0Bhr1E0YCXGbWngo1YplQfIGSVqM21z0RGL_0iqiPcuKFQ5go4uBcgXN4ZtgJCx5YnMYc66DCtQT6IKjHUeQsLs_BqD75J775zveek8Dda-O" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Homestars</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2> <DIV><FONT color=#003082><IMG contentEditable=false height=118 alt=homestars src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/40.jpg?a=1102496447721" width=225 align=right border=0 name=ACCOUNT.IMAGE.40>Spring is here and the&nbsp;urge to renovate, refurbish and redecorate is upon us! If you are the handy type, going the DIY route may be your choice; if not, hiring someone to do the job for you can be a scary proposition.&nbsp; How do you know you are hiring a reputable and responsible contractor? You may not, until it's too late!&nbsp; </IMG></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>Help is only a click away.&nbsp; Whether you are doing it yourself or hiring a contractor, check out </FONT><A href="http://rs6.net/tn.jsp?et=1102496447721&amp;s=3&amp;e=001jHaa87VEBf5YVUWBwWCD0Bhr1E0YCXGbWngo1YplQfIGSVqM21z0RGL_0iqiPcuKFQ5go4uBcgXN4ZtgJCx5YnMYc66DCtQT6IKjHUeQsLs_BqD75J775zveek8Dda-O" target=_blank linktype="link" track="on"><FONT color=#0000ff>Homestars.com</FONT></A>&nbsp;<FONT color=#003082>before you start your project.&nbsp;With customer reviews on 1,349 renovators, retailers and repairmen, you will find "Who to hire, where to buy and who to avoid".&nbsp;&nbsp;</FONT></DIV></FONT></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=3 height=38></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff" width="100%" bgColor=#ffffff colSpan=3> <TABLE id=content_LETTER.BLOCK13 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2> <DIV> <DIV> <DIV> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>We hope you enjoyed this month's newsletter - we would love to hear what you think!&nbsp;&nbsp;</STRONG></FONT></DIV><BR><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Sincerely,&nbsp;<BR>&nbsp;</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Scott Gillis, AMP&nbsp; </STRONG></FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Accredited Mortgage Professional <DIV>License #M08009463&nbsp;</DIV></STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Oriana Financial&nbsp;- The Gillis Group <DIV></STRONG></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG><A href="mailto:scott@gillisgroup.ca" target=_blank>scott@gillisgroup.ca</A></STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Tel/Fax: 416.440.0338 x1</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Referrals are the foundation of my business.&nbsp;&nbsp; If I have provided superior service to you, please refer your co-workers, family, friends and neighbours.&nbsp; I promise to give them the same high level of service.</STRONG>&nbsp;&nbsp; <DIV>&nbsp;</DIV> <DIV> <DIV> <DIV><FONT size=1>Oriana Financial Group of Canada Ltd. <DIV>License #10214&nbsp;</DIV></FONT></DIV> <DIV><FONT size=1>34-4300 Steeles Avenue West</FONT></DIV> <DIV><FONT size=1>Vaughan, Ontario&nbsp; L4L 4C2</FONT></DIV> <DIV><FONT size=1>&nbsp;</FONT><FONT size=1>"! 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