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 6.00.6000.16587" name=GENERATOR></HEAD> <BODY leftMargin=0 topMargin=0 rightMargin=0><!--Copyright (c) 1996-2007 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 style="MARGIN: 0px; OVERFLOW: auto; BACKGROUND-COLOR: #004a8d" align=center bgcolor="#004A8D"> <TABLE style="WIDTH: 600px" cellSpacing=0 cellPadding=1 width=600 border=0> <TBODY> <TR> <TD width="100%" colSpan=2> <TABLE id=content_LETTER.BLOCK1 hideFocus style="BACKGROUND-COLOR: #004a8d" tabIndex=0 cellSpacing=0 cellPadding=10 width="100%" bgColor=#004a8d border=0> <TBODY> <TR> <TD vAlign=bottom align=middle><SPAN><IMG contentEditable=false alt="Oriana/Gillis Group header" src="http://ih.constantcontact.com/fs022/1101584452304/img/14.gif?a=1101852480366" border=0 name=ACCOUNT.IMAGE.14></SPAN></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #4c3f36" bgColor=#4c3f36> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=2 height=6></TD> <TR> <TD style="BACKGROUND-COLOR: #004a8d" width="100%" bgColor=#004a8d colSpan=2 height=50> <TABLE id=content_LETTER.BLOCK2 hideFocus tabIndex=0 cellSpacing=0 cellPadding=15 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #ffffff; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left width="73%"><FONT style="FONT-SIZE: 14pt; COLOR: #ffffff; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ffffff size=4>The Gillis Group -&nbsp; Homeowner News</FONT></TD> <TD align=middle width="27%"> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #d4dde6; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #d4dde6; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#d4dde6 size=1></FONT> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=1><FONT size=4>December&nbsp;2007</FONT></FONT></TD></TR></FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=2 height=6></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top bgColor=#ffffff> <TABLE cellSpacing=0 cellPadding=7 width="100%" border=0> <TBODY> <TR> <TD style="WIDTH: 440px" width=440> <TABLE id=content_LETTER.BLOCK3 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT size=2><B>Dear Scott,</B> <DIV>&nbsp;</DIV>Welcome to the&nbsp;Gillis Group e-Newsletter!&nbsp;&nbsp;We hope you'll find it interesting; if, at any time you wish to opt-out, please follow the unsubscribe link at the bottom of each email. <DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>Our aim is to provide&nbsp;valuable information about issues relevant to homeowners - not to simply talk about mortgages! </FONT></DIV></DIV></FONT></FONT></TD></TR></TBODY></TABLE> <TABLE style="MARGIN-BOTTOM: 10px" cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" vAlign=top width="100%" bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4>In This Issue </FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK17" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Bank of Canada Rate Decrease</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK16" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>New City of Toronto Land Transfer Tax</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK5" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Debit &amp; Credit Card Fraud</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK10" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Freezing Pipes</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK9" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Time For a Check Up?</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK7" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Ask the Expert</FONT></A></B></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK17> <TABLE id=content_LETTER.BLOCK17 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FBank%2520of%2520Canada%2520decrease.pdf&amp;id=preview" target=_blank linktype="undefined"><FONT color=#003082>Bank of Canada Rate Decrease</FONT></A> </FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1>&nbsp; <DIV><FONT size=2>The Bank of Canada&nbsp;announced on&nbsp;December 4, 2007 that it has lowered their overnight rate to 4.25%.&nbsp; What does this mean to you, the Canadian consumer? It means that the prime lending rate has decreased from 6.25% to 6.00% at the majority of Canadian lending institutions.&nbsp; This announcement will have a direct impact on those consumers with a variable rate mortgage or a secured line of credit.&nbsp;Click <A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FBank%2520of%2520Canada%2520decrease.pdf&amp;id=preview" target=_blank linktype="undefined"><FONT color=#0000cc>here</FONT></A>&nbsp;to read more. To discuss how this may affect you, please give me a call. </FONT> <DIV>&nbsp;</DIV> <DIV><FONT size=2>The next Bank of Canada rate announcement will be January 22, 2008.</FONT></DIV></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK16> <TABLE id=content_LETTER.BLOCK16 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FLTT%2520-%2520final4.xls&amp;id=preview" target=_blank linktype="undefined"><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4>New City of Toronto Land Transfer Tax</FONT></A></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1>&nbsp; <DIV><FONT face=Arial size=2>Toronto City Council recently approved a new land transfer tax which takes effect February 1, 2008. <A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FMortgage%2520Financing%2520-%2520DP%2520Options1.xls&amp;id=preview" target=_blank linktype="undefined"><FONT color=#0000cc>Click here</FONT></A>&nbsp;to see how this new tax may affect your purchase and to calculate the tax you may have to&nbsp;pay, </FONT></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK5> <TABLE id=content_LETTER.BLOCK5 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><U><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=4><FONT color=#003082>Debit &amp; Credit Card Fraud</FONT></FONT></U></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT color=#003082><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>&nbsp; </FONT> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2> <DIV>December is a big shopping month and&nbsp;both debit and credit cards will be seeing some heavy use.&nbsp;With the convenience of debit and credit cards comes the&nbsp; risk of fraudulent use of your card information.&nbsp;&nbsp;Find out how you can protect yourself from both <A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.ic.gc.ca%2Fepic%2Fsite%2Foca-bc.nsf%2Fen%2Fca01832e.html&amp;id=preview" target=_blank linktype="undefined"><FONT color=#0000cc>debit card fraud</FONT></A><FONT color=#0000cc>&nbsp;</FONT>and&nbsp;<A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.fcac-acfc.gc.ca%2Feng%2Fpublications%2FTipSheets%2FTSCCFraud-eng.asp&amp;id=preview" target=_blank linktype="undefined"><FONT color=#0000cc>credit card fraud</FONT></A>&nbsp;this shopping season.</DIV></FONT></DIV></FONT></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK10> <TABLE id=content_LETTER.BLOCK10 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><U> <DIV><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.statefarm.com%2Flearning%2Floss_prevent%2Flearning_lossprevention_frozpipes.asp&amp;id=preview" target=_blank linktype="undefined"><FONT color=#003082>Freezing Pipes</FONT></A></DIV></U></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>&nbsp; </FONT> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2> <DIV>With winter&nbsp;weather fast approaching, your&nbsp;water pipes may be in danger of bursting, disrupting your life and leaving you with a big repair bill.&nbsp; So, before the temperatures take a dive, find out how you can <A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.statefarm.com%2Flearning%2Floss_prevent%2Flearning_lossprevention_frozpipes.asp&amp;id=preview" target=_blank linktype="undefined"><FONT color=#0000cc>prevent your pipes from freezing.</FONT></A></DIV></FONT></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK8 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=10 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1> <DIV> <DIV><FONT size=2><STRONG> <DIV> <DIV>I hope this year has been a happy and&nbsp; successful one.&nbsp; All the the very best to you and your family for the coming year.</DIV></DIV></STRONG></FONT></DIV> <DIV>&nbsp;</DIV></DIV> <DIV><STRONG><FONT size=2>Sincerely, </FONT></STRONG></DIV> <DIV><STRONG> <DIV>&nbsp;</DIV> <DIV></STRONG><SPAN><STRONG><FONT size=3>Scott Gillis, AMP&nbsp; <DIV><FONT size=2>Accredited Mortgage Professional</FONT></DIV> <DIV></FONT><FONT size=2>Oriana Financial&nbsp;- The Gillis Group <DIV><A href="mailto:scott@gillisgroup.ca" target=_blank><FONT color=#003082>scott@gillisgroup.ca</FONT></A></DIV> <DIV>416.440.0338 x1</DIV> <DIV></FONT></STRONG></SPAN>&nbsp;</DIV> <DIV><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.&nbsp; <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV></STRONG></DIV></FONT></DIV></DIV></DIV></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top width="100%" bgColor=#ffffff></TD></TR></TBODY></TABLE></TD> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top bgColor=#ffffff> <TABLE style="WIDTH: 160px" cellSpacing=0 cellPadding=0 width=160 border=0> <TBODY> <TR> <TD vAlign=top width="100%"><A name=LETTER.BLOCK9> <TABLE id=content_LETTER.BLOCK9 hideFocus style="MARGIN-BOTTOM: 10px; BACKGROUND-COLOR: #d4dde6" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" bgColor=#d4dde6 border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #003082" align=middle bgColor=#003082><FONT style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=2> <P align=center><STRONG><FONT size=3>Time For A Checkup?</FONT></STRONG></P></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2F&amp;id=preview" target=_blank> <P align=center><IMG contentEditable=false height=198 alt="Scott Gillis" hspace=5 src="http://ih.constantcontact.com/fs022/1101584452304/img/2.jpg?a=1101852480366" width=133 vspace=5 border=0 name=ACCOUNT.IMAGE.2></P></A></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1> <DIV><FONT size=2>Many of us get our mortgages, breathe a sigh of relief, and then don't think about them again until&nbsp;we get a little renewal&nbsp;notice from the lender.&nbsp; </FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>Has your situation changed?&nbsp;&nbsp; </FONT></DIV> <DIV><FONT size=2>Are you thinking about buying a vacation or investment property?&nbsp; </FONT></DIV> <DIV><FONT size=2>What about consolidating your credit card debt?&nbsp; </FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>Call me at <STRONG>416-440-0338 x1</STRONG> to schedule a checkup...for the health of your mortgage!</FONT></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK11 hideFocus style="MARGIN-BOTTOM: 10px; BACKGROUND-COLOR: #d4dde6" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" bgColor=#d4dde6 border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #003082" vAlign=center align=middle width="100%" bgColor=#003082><FONT style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=2><B>Quick Links</B></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle width="100%"><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1> <DIV><B><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FCheckup%2Fcheckup.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>The Mortgage Checkup</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.tuneinrealestate.net%2Flisten%2F%3Fauthor%3D7&amp;id=preview" target=_blank><FONT color=#003082 size=2>My PODCAST</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2Findex.cfm%3Ffa%3Darticle.list&amp;id=preview" target=_blank><FONT color=#003082 size=2>Current rates and other info</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2Fcalculators.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>Calculators</FONT></A> <DIV><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.cbc.ca%2Fconsumers%2Fmarket%2Ffiles%2Fmoney%2Fcredit%2Fscore.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>Your Credit Score</FONT></A></DIV> <DIV><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FFirsttimehome.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>First Time Homebuyer</FONT></A></DIV></B></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK12 hideFocus style="MARGIN-BOTTOM: 10px; BACKGROUND-COLOR: #d4dde6" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" bgColor=#d4dde6 border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #003082" align=middle width="100%" bgColor=#003082><FONT style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=2><B>&nbsp;</B></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle width="100%"><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2F&amp;id=preview" target=_blank><IMG contentEditable=false height=60 alt="Gillis Group" src="http://ih.constantcontact.com/fs022/1101584452304/img/6.jpg?a=1101852480366" width=273 border=0 name=ACCOUNT.IMAGE.6></A><BR><B> <DIV>&nbsp;</DIV><A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2F&amp;id=preview" target=_blank><FONT color=#003082><FONT size=3>Our Website</FONT> </FONT></A> <DIV></B></FONT>&nbsp;</DIV></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK13 hideFocus style="MARGIN-BOTTOM: 10px; 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FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><U><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=4>Ask the Expert</FONT></U></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1> <P align=center> <DIV> <DIV> <DIV><FONT color=#003082> <DIV>&nbsp;</DIV> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2><STRONG>Question:</STRONG></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"><FONT color=#003082> <DIV><SPAN style="FONT-SIZE: 9pt; COLOR: #003082; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-family: Arial"><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>My wife and I have purchased a new home and are looking for financing.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>There are so many mortgage options available and we don't know where to start. How do we choose a mortgage that will work for us?</FONT></SPAN></DIV></FONT></SPAN></DIV></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>Click <A href="http://rs6.net/tn.jsp?t=o8enyfcab.0.0.qwszy6bab.0&amp;ts=S0305&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FAsk%2520the%2520Expert%2520%28for%2520newsletter%29.pdf&amp;id=preview" target=_blank linktype="undefined"><FONT color=#0000cc>here</FONT></A></FONT><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif><FONT size=2><FONT color=#0000cc>&nbsp;</FONT>to read the answer to this month's question.</FONT></FONT></DIV></DIV></DIV> <DIV>&nbsp;</DIV> <DIV> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>If you have a question that I can help with, drop me a line any time at </FONT><A href="mailto:scott@gillisgroup.ca" target=_blank><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#0000cc size=2>scott@gillisgroup.ca</FONT></A><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#0000cc size=2>.</FONT></DIV></DIV> <DIV>&nbsp;</DIV> <P></P></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK14 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=10 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT size=1> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>Oriana Financial Group of Canada Ltd.</DIV></FONT> <DIV><FONT size=1>34-4300 Steeles Avenue West</FONT></DIV> <DIV><FONT size=1>Vaughan, Ontario&nbsp; L4L 4C2</FONT></DIV> <DIV>&nbsp;</DIV> <DIV> <DIV> <DIV align=center> <DIV align=center> <DIV align=left><FONT size=1><FONT color=#003082>"! Trademark of Oriana Financial Group of Canada Ltd.&nbsp;&nbsp; ® Registered trademark of&nbsp;Oriana Financial Group of Canada&nbsp;© 2007,&nbsp;&nbsp;all rights reserved.&nbsp; </FONT></FONT></DIV> <DIV align=left>&nbsp;</DIV></DIV></DIV></DIV></DIV></FONT></TD></TR></TBODY></TABLE></A></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD width="100%" height=10></TD></TR></TBODY></TABLE></DIV> <DIV style="PADDING-TOP: 10px; BACKGROUND-COLOR: #ffffff" align=center> <TABLE cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD> <DIV style="FONT-WEIGHT: bold; FONT-SIZE: 8pt; PADDING-BOTTOM: 10px; COLOR: #000000; FONT-FAMILY: verdana,arial; BACKGROUND-COLOR: #ffffff"><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1><A href="http://ui.constantcontact.com/sa/fwtf.jsp?m=1101584452304&amp;ea=scott@gillisgroup.ca&amp;a=1101852480366&amp;id=preview&amp;id=preview" target=_blank>Forward email</A></FONT></DIV> <TABLE style="FONT-SIZE: 8pt; WIDTH: 600px; COLOR: #000000; FONT-FAMILY: verdana,arial; BACKGROUND-COLOR: #ffffff" cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1><A href="http://visitor.constantcontact.com/d.jsp?p=un&amp;v=001jyV49J2cwWqUYMwxd8LMUngtQXttojOFL2ptndeBPwWC4U6Ttu7JjM0ydWzqKkKrpq3c-c10O1pdSK6lwMwBC44SNsaQR575lVV5JbZf0foo18QKzQJsM2BniCcklDgz&amp;id=preview.1101584452304&amp;id=preview" target=_blank shape=rect><IMG src="http://img.constantcontact.com/letters/images/safe_unsubscribe_logo.gif" border=0></A> <DIV>This email was sent to scott@gillisgroup.ca, by <A style="COLOR: #0000ff" href="mailto:scott@gillisgroup.ca" target=_blank shape=rect>scott@gillisgroup.ca</A></DIV> <DIV><A style="COLOR: #0000ff" href="http://visitor.constantcontact.com/d.jsp?p=oo&amp;v=001jyV49J2cwWqUYMwxd8LMUngtQXttojOFL2ptndeBPwWC4U6Ttu7JjM0ydWzqKkKrpq3c-c10O1pdSK6lwMwBC44SNsaQR575lVV5JbZf0foo18QKzQJsM2BniCcklDgz&amp;id=preview.1101584452304&amp;id=preview" target=_blank shape=rect>Update Profile/Email Address</A> | Instant removal with <A style="COLOR: #0000ff" href="http://visitor.constantcontact.com/d.jsp?p=un&amp;v=001jyV49J2cwWqUYMwxd8LMUngtQXttojOFL2ptndeBPwWC4U6Ttu7JjM0ydWzqKkKrpq3c-c10O1pdSK6lwMwBC44SNsaQR575lVV5JbZf0foo18QKzQJsM2BniCcklDgz&amp;id=preview.1101584452304&amp;id=preview" target=_blank shape=rect>SafeUnsubscribe</A>"! | <A style="COLOR: #0000ff" href="http://ui.constantcontact.com/roving/CCPrivacyPolicy.jsp?id=preview&amp;id=preview" target=_blank shape=rect>Privacy Policy</A>.</DIV></FONT></TD> <TD><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1> <DIV style="PADDING-BOTTOM: 5px; COLOR: #666666; WORD-WRAP: normal"><A style="COLOR: #666666; TEXT-DECORATION: none" href="http://www.constantcontact.com/home.jsp?pn=boostbusiness&amp;cc=&amp;id=preview" target=_blank shape=rect>Email Marketing</A> by</DIV><A href="http://www.constantcontact.com/home.jsp?pn=boostbusiness&amp;cc=&amp;id=preview" target=_blank shape=rect><IMG src="http://img.constantcontact.com/letters/images/cc-logo-color-sm.gif" border=0></A> </FONT></TD></TR></TBODY></TABLE> <DIV id=LETTER.PHYSICALADDRESS style="FONT-SIZE: 8pt; COLOR: #000000; PADDING-TOP: 20px; FONT-FAMILY: verdana,arial; BACKGROUND-COLOR: #ffffff" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1>Oriana Financial - The Gillis Group | 2359 Queen St. E | Toronto | Ontario | M4E 1H2 | Canada</FONT></DIV></TD></TR></TBODY></TABLE></DIV><BR> <P><FONT size=2>No virus found in this incoming message.<BR>Checked by AVG Free Edition.<BR>Version: 7.5.503 / Virus Database: 269.17.5/1190 - Release Date: 19-12-2007 07:37<BR></FONT></P></BODY></HTML>