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 6.00.6000.16762" name=GENERATOR></HEAD> <BODY leftMargin=0 topMargin=0 rightMargin=0><!--Copyright (c) 1996-2008 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 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://origin.ih.constantcontact.com/fs022/1101584452304/img/14.gif?a=1102298184951" 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 - 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;2008</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>Greetings!</B> <DIV>&nbsp;</DIV>Welcome to the&nbsp;Gillis Group e-Newsletter!&nbsp;&nbsp;We hope you will find it interesting. <DIV>&nbsp;</DIV> <DIV>Our aim is to provide&nbsp;valuable information about issues relevant to homeowners - not to simply talk about mortgages!</DIV> <DIV>&nbsp;</DIV>You may unsubscribe at any time by following the unsubscribe link at the bottom of each email.&nbsp;</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.BLOCK22" 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>Top 10 things to NOT Do Before Closing</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.BLOCK19" 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>Tax-Free Savings Accounts</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.BLOCK13" 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>Health Card Not Acceptable Mortgage Id</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.BLOCK18" 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>Credit Report Disputes</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.BLOCK21" 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>In the News</FONT></A></B></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK22> <TABLE id=content_LETTER.BLOCK22 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><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=4><U>Top 10 Things to NOT Do Before Closing</U></FONT></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> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>There&nbsp;are&nbsp;lots of mortgage no-no's but here are 10 important Don'ts: <DIV>&nbsp;</DIV> <DIV>10. Make large undocumented bank deposits<BR>9.&nbsp; Fail to disclose you're on probation with your employer, maternity leave or disability<BR>8.&nbsp; Close credit accounts with zero balances<BR>7.&nbsp; Co-sign a mortgage or loan for someone else<BR>6.&nbsp; Change your job from full-time to part time<BR>5.&nbsp; Doctor your employment or financial documents<BR>4.&nbsp; Spend your down payment or closing cost money<BR>3.&nbsp; Apply for new loans or credit<BR>2.&nbsp; Stop paying your bills on time<BR>1.&nbsp; Quit your job!</DIV></FONT></DIV></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK19> <TABLE id=content_LETTER.BLOCK19 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><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=4><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeGaYVYnmwuoy0iWmYtyg9Etffs516YrE-VwOx1YeH9sYlmN6VhGLth75aGJ3gmMj4e2UgklUCglRjeLNGt4swM9l2Mjd367uYyNa9DvXgnX3GDKBy0wdr6Eu1-rL5PDQtfwcsdm9X4yND_JewH93cbyqR0a77YnVuRJoktcvbScXw==" target=_blank linktype="link" track="on"><FONT color=#003082>Tax-Free Savings Accounts</FONT></A><A style="TEXT-DECORATION: none" href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeH9qJWPN7yowUM2v78L6UhZQnDr0EaUj5g0iAjlsNbaN3kfZHivJe8RqshqaUH0ZHz1kp-tHryaticHVYqQkiuSCbygIB2XWHDBj1nLePMSBGtc5crAGQu-XOeRTue3YKNV6eTzV_TCyvaKLMh7-fvS" target=_blank linktype="link" track="on"></FONT></FONT></A></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>&nbsp;</FONT> <DIV><FONT color=#003082><FONT size=2>Effective&nbsp;January 1, 2009, Canadians will have a whole new way to save.&nbsp; They are called Tax-Free Savings Accounts or TFSAs.</FONT>&nbsp;&nbsp;</FONT><FONT color=#003082 size=2>As the name suggests, Canadians will be able to watch ther savings grow... tax-free. And the money can be withdrawn at any time for any purpose...tax free.</FONT> <DIV>&nbsp;</DIV> <DIV> <DIV><FONT color=#003082><FONT size=2>The 30-second TFSA checklist:<BR>· The TFSA is a savings or investment account you can use to save for large purchases or retirement<BR>· You don't pay taxes on investment returns inside your TFSA <BR>· You don't pay taxes on money you take out of your TFSA <BR>· You don't get a tax refund for contributing to your TFSA <BR>· You don't have to worry about clawbacks when you withdraw from your TFSA <BR>· You can contribute up to $5,000 a year <BR>· If you contribute less than $5,000 in a given year, the unused room is carried forward <BR>· If you take money out, you get that contribution room back <BR>· Contribution room begins accumulating at age 18, even if you don't have an account (as long as you file a tax return) <BR>· Banks and brokerages will begin offering TFSAs in 2009&nbsp;</FONT> <DIV>&nbsp;</DIV> <DIV> <DIV><FONT size=2>For full details, visit&nbsp;the <A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeGaYVYnmwuoy0iWmYtyg9Etffs516YrE-VwOx1YeH9sYlmN6VhGLth75aGJ3gmMj4e2UgklUCglRjeLNGt4swM9l2Mjd367uYyNa9DvXgnX3GDKBy0wdr6Eu1-rL5PDQtfwcsdm9X4yND_JewH93cbyqR0a77YnVuRJoktcvbScXw==" target=_blank linktype="link" track="on"><FONT color=#0000ff>Department of Finance information page</FONT></A></FONT><FONT size=2>.</FONT></DIV></DIV></FONT><FONT color=#003082> <DIV>&nbsp;</DIV> <DIV><FONT size=2>For an independant viewpoint, read this </FONT><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeGv4GKYKdQlAUZpxj8D64tSMOxRZ_jMw-5ikAiWG2rGS8fJW1O0hVkit9n7VWWlI_ZttXgRK0w9jdZ52gyshtHmSGQQs_kWkc5Y5z3ZstJUHwKyu6g3J1sg" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>article</FONT></A><FONT size=2>&nbsp;by Rob Gerlsbeck of <EM>MoneySense</EM> magazine.</FONT></DIV></FONT></DIV></DIV></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> <DIV><STRONG><FONT size=2><STRONG><FONT size=2> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV>I hope this year has been a happy and&nbsp; successful one.&nbsp; All the&nbsp;very best to you and your family for the coming year. </FONT></STRONG></FONT></STRONG></DIV> <DIV><BR><FONT size=2><STRONG>Sincerely,</STRONG> </FONT></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; </STRONG></DIV></DIV></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?e=001P-RSVzFLzeHVeS25ATaGPJmTvmVtCqFyRwADG0FixpvrYLJIpvPzKPcESYtZXDoKYTEMFCa-JzYNjlGmoAws_U3dEjC_yXdQCivVT_M6zD3DROSoEkm_iw==" target=_blank> <P align=center><IMG contentEditable=false height=198 alt="Scott Gillis" hspace=5 src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/2.jpg?a=1102298184951" 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>&nbsp;<FONT size=2>Your mortgage is in place - nothing to think about until it renews, right? Maybe, maybe not.&nbsp; <DIV></FONT><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>Are you thinking about buying a vacation or investment property?&nbsp; <DIV>Does your home need renovations or remodeling?&nbsp;</DIV> <DIV>Do you need a bigger home for your growing family?</DIV>Do you have children going to college or university?</FONT></DIV> <DIV><FONT size=2>Do you need&nbsp;to consolidate your credit card debt?&nbsp; <DIV>&nbsp;</DIV> <DIV>Life&nbsp;has a way of happening!&nbsp;</DIV></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></DIV></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 color="#ededed"><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><FONT color=#003082>Quick Links</FONT></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%" color="#285685"><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?e=001P-RSVzFLzeEmxq0fWC0mNayQ7CT639DaZf-dERCFuzme9ZS9rrLmJExFeli4Ub6L_K1ScoCwuNwu_tzYzhkGN0-HlFN70pAc0ciq9OgYhuhKi6TICjoBXI1XLBiOBeGCt1HqQSqKsMbDs5ithaQuOQ==" target=_blank><FONT color=#003082 size=2>The Mortgage Checkup</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeGFLv8eyyDvNYWa4yKzcTK6BtJYVLiBdzOHInA53WWlnyO40Uk_ZaIoO7Pp5hC6Nuvn7OV5V-ksVQcqukekXo8gedxGf-scCKR0mkXp7Q_flkt_8_DrrbU5NZnFP1Jjqk4Da8BSsJI-Qw==" target=_blank><FONT color=#003082 size=2>My PODCAST</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeFGTH8RyZSLZNI9756umDpHKxY11_-3G699WPpLqxn8B_eICQE_j5bO3zOcKLtYrKTu_Xi53ypD0hhBbM_QuTNu0dybVkGUiqoDbOEfHSM1MHdwMldfZIbp4Pkrz7jXZKBT3-e3PhsCLCqjcflf9rB9" 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?e=001P-RSVzFLzeH7pRP9Gtc8v0LkURHJTPsFsCfHTu6LSMTwROHF8hXofMOeEQ4XDqfWzd4OHwcjHE3UbRwlA9zEIYAqay7KNpDr8K9qBpcXpRs41qiJIb_rgG3hlcNaq8XZ3Er9-0bn77c=" target=_blank><FONT color=#003082 size=2>Calculators</FONT></A> <DIV><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeHF_e7i0H5DQbeA4HNIBfAFlzzBlZQVJSpYdeD3KYlpMIf5Y9ztc1quhgQ79iyJQxdV7P7GCJSwek8ZfeKluWyrd6DLdiOdHZAtQSs592a5EbzQsACUW2PDzJEAvSCSHfR2JEXXeFeB7YudsBWMdXc3YiLy9BqqJfDa60ph-shPzg==" target=_blank><FONT color=#003082 size=2>Your Credit Score</FONT></A></DIV> <DIV><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeExTeive_jntIRtMDzberbFmUZfIomrpF6QMAV-MgeP48bbAU_1OuJPvHFbZyBHJhPzUJ4NIk9wDYOvxDg5w-0wGZlC_4-c3outE4MZA6MRvi8E3qYi_cLMVLnIzN4jSjM=" target=_blank><FONT color=#003082 size=2>First Time Homebuyer</FONT></A></DIV> <DIV><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeGmQGymfPSXLTaHgPVCqMJTS3ZaRpcCWt7VMmjTuKmC7LMw4qUFbGagdMbY8uzPPiFDnJlzqcA6p26bc2-FMuoC3vcpgTa9qjPWpqpoIvG0oWpP_R-xqcjZDTlhn795TrDEr3LplZ0XR-y5QZl6GWFU" target=_blank linktype="undefined"><FONT color=#003082 size=2>Newsletter Archive</FONT></A></DIV> <DIV>&nbsp;</DIV></B></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK12 hideFocus style="MARGIN-BOTTOM: 10px; 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BACKGROUND-COLOR: #004a8d" tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" bgColor=#004a8d border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #004a8d" align=middle bgColor=#004a8d><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://visitor.constantcontact.com/email.jsp?m=1101584452304" target=_blank shape=rect> <DIV>&nbsp;</DIV> <DIV><IMG contentEditable=false height=23 alt="Join Our Mailing List" src="http://img.constantcontact.com/letters/images/1101093164665/joml.gif" width=122 vspace=5 border=0></DIV></A>&nbsp;</FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK13> <TABLE id=content_LETTER.BLOCK13 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> <DIV>Health Card Not Acceptable Mortgage Id</DIV></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> <DIV><BR><FONT size=2>Nearly all lenders require their clients to provide proof of their identity when signing mortgage documents.&nbsp; </FONT></DIV></DIV> <DIV><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>But why is your Ontario Health card not an acceptable form of id?</FONT></DIV> <DIV><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>Read </FONT><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeH9Ipc_Wyf8f8riwYdU0DW0DblIwzQIdnpUb3QLBisMErQA2ayu8QdD45D1Ocl3J3BpvqCS8JhyN0DoInLBBArstHIdluVkzy7Ko8Tb0wWJrj-1n_ORjgYebPNp-KL28pdEtmn5jdgSkvM4o_Ja3Kwg" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>this article</FONT></A><FONT size=2>&nbsp;to find out.</FONT></DIV></FONT></DIV></DIV></DIV> <P></P></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK18> <TABLE id=content_LETTER.BLOCK18 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><A style="TEXT-DECORATION: none" href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeFrRhhHIKV_pA42BIpVbFKeOf_qEYvW_MEShWkJcHd4uKN2Xq7zWJvEAPF9zO3UxcjTtQxdDUr_v1obdt9Uqjt9ja6wZd_KBdL5IqcccDhGxyWenRZ8wg4qgja-0swGZ9dpGaMwFELUYTAIiRV91AC4rLIIfgn84Uk=" target=_blank linktype="link" track="on"><FONT color=#003082>Credit</FONT></A>&nbsp;Report Disputes</TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT color=#003082>&nbsp; <DIV><FONT size=2>It happens...sometimes companies with&nbsp;whom you are dealing report your credit information inaccurately to Equifax and/or TransUnion, the two credit reporting companies in Canada.</FONT>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>Incorrect information could be hurting your credit score.</FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>To correct an inaccuracy on your Equifax report, follow these </FONT><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeHuBx2Ysrn6kVENdI9sG1sLUxFj14LICsYryIHfpIXMFV1hTGG9RqkXLZS8zGrIWqNbJ7toniF_jdiX234O46nTRiNDxyuRUZfeutFWbvY9N90nRb9QsPY6YNFCUK8jNEMJj09T1xenoHVVtaFI0hYkfndEi2p9UWKziaxUe35VaA==" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>instructions</FONT></A><FONT color=#003082><FONT size=2>.</FONT> </FONT></DIV> <DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>If your dispute is with TransUnion, follow these </FONT><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeFgfhVWuK6edbAgdZ1EvhfwdahN9pY5kn___3SYQOoiqWJRG-eD6frmdi1jTlBbjjDfJ12aZvzDPc0XzWTVGIqrruDTPcaBWxYfCXIsC1FdG5S1tIUzi4Da_b_DAoLYEK9hUrgWS-qPGVzSvpqzGwWo" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>instructions</FONT></A><FONT size=2>&nbsp;to have the problem corrected.&nbsp;</FONT></DIV></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK21> <TABLE id=content_LETTER.BLOCK21 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>In the News</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 color=#0000ff size=2><A href="http://rs6.net/tn.jsp?e=001P-RSVzFLzeGyXSz0o4gmx9MIYGU54f71PE07eJetKZAVozLxmTxbZt-8QGIgE8xZ9lLp2KYr4huV6fTvIWZ0Cjh-_5pX3gfBiAqLIXNZ9Gw9O_ZOCubMnCUYEnd6OE9FwBUQaXg912OaeRkDCP1zCqV1ZmaoemmD" target=_blank linktype="link" track="on">Canadian Housing Market Shows Signs of Slowing in 2008-2009</A></FONT></DIV></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>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></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> <TABLE id=content_LETTER.BLOCK15 hideFocus style="BORDER-RIGHT: #000000 2px dashed; BORDER-TOP: #000000 2px dashed; MARGIN-TOP: 6px; BORDER-LEFT: #000000 2px dashed; BORDER-BOTTOM: #000000 2px dashed; BACKGROUND-COLOR: #ededed" tabIndex=0 borderColor=#000000 cellSpacing=0 cellPadding=10 width="100%" bgColor=#ededed border=0> <TBODY> <TR> <TD style="FONT-SIZE: 24pt; COLOR: #004a8d; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" vAlign=top align=left><FONT style="FONT-SIZE: 24pt; COLOR: #004a8d; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#004a8d size=6><FONT size=2> <DIV><STRONG><FONT size=4><U><EM>MoneySense</EM> Magazine <DIV></U></FONT></STRONG><STRONG> <DIV>&nbsp;</DIV><IMG contentEditable=false height=210 alt="MoneySense Magazine" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/21.jpg?a=1102298184951" width=171 align=right border=0 name=ACCOUNT.IMAGE.21> <DIV>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;</DIV></IMG></STRONG></DIV> <DIV><STRONG><BR>Give the gift of good service and help your friends, family and co-workers with their money sense.&nbsp;&nbsp; <DIV>&nbsp;</DIV>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.</STRONG></DIV></FONT></FONT></DIV></TD> <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>&nbsp;</DIV></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left colSpan=2></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></DIV> <DIV style="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=leslie%40diannechafe.com&amp;a=1102298184951" 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?v=001jyV49J2cwWqUYMwxd8LMUn3AWeYEixwGI3G678YKJD6_rqxJKPerfGKuqu4dJca_&amp;p=un" target=_blank shape=rect><IMG alt="Safe Unsubscribe" src="http://img.constantcontact.com/letters/images/safe_unsubscribe_logo.gif" border=0></A> <DIV>This email was sent to leslie@diannechafe.com 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?v=001jyV49J2cwWqUYMwxd8LMUn3AWeYEixwGI3G678YKJD6_rqxJKPerfGKuqu4dJca_&amp;p=oo" target=_blank shape=rect>Update Profile/Email Address</A> | Instant removal with <A style="COLOR: #0000ff" href="http://visitor.constantcontact.com/d.jsp?v=001jyV49J2cwWqUYMwxd8LMUn3AWeYEixwGI3G678YKJD6_rqxJKPerfGKuqu4dJca_&amp;p=un" target=_blank shape=rect>SafeUnsubscribe</A>"! 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