ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META content="text/html; charset=unicode" http-equiv=Content-Type> <META name=GENERATOR content="MSHTML 8.00.6001.18876"></HEAD> <BODY leftMargin=0 rightMargin=0 topMargin=0><!--Copyright (c) 1996-2010 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. 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PADDING-TOP: 0px" border=0 cellSpacing=0 borderColor=#5eacff cellPadding=0 width=600><TBODY> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc width="100%" colSpan=3> <TABLE hideFocus id=content_LETTER.BLOCK34 tabIndex=0 border=0 cellSpacing=0 cellPadding=3 width="100%"> <TBODY> <TR> <TD style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 12pt; TEXT-DECORATION: none" align=left><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 12pt" color=#ffffff size=3 face="Arial Narrow,Arial MT Condensed Light,sans-serif"><B>February 2010</B></FONT></TD> <TD style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 12pt; TEXT-DECORATION: none" align=right><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 12pt" color=#ffffff size=3 face="Arial Narrow,Arial MT Condensed Light,sans-serif"><B>Vol 1, Issue 1</B></FONT></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD width="100%" colSpan=3> <TABLE style="BACKGROUND-COLOR: #003082" border=0 cellSpacing=0 cellPadding=0 width="100%" bgColor=#003082> <TBODY> <TR> <TD style="WIDTH: 286px" width=289> <TABLE hideFocus id=content_LETTER.BLOCK3 tabIndex=0 border=0 cellSpacing=0 cellPadding=0 width="100%"> <TBODY> <TR> <TD><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.77 alt="snowy house" src="http://ih.constantcontact.com/fs022/1101584452304/img/77.jpg" width=320 height=240></TD></TR></TBODY></TABLE></TD> <TD style="PADDING-BOTTOM: 2px; PADDING-LEFT: 6px; WIDTH: 310px; PADDING-RIGHT: 2px; PADDING-TOP: 2px" vAlign=center width=310 align=right> <TABLE hideFocus id=content_LETTER.BLOCK4 tabIndex=0 border=0 cellSpacing=0 cellPadding=0 width="100%"> <TBODY> <TR> <TD style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 18pt; TEXT-DECORATION: none" align=left><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 18pt" color=#ffffff size=5 face="Arial Narrow,Arial MT Condensed Light,sans-serif"> <P align=center><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif><FONT size=5><SPAN style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 24pt; TEXT-DECORATION: none" align="center"><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #ffffff; FONT-SIZE: 24pt" color=#ffffff size=6 face="Arial Narrow,Arial MT Condensed Light,sans-serif">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 height=5 colSpan=3></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff; WIDTH: 410px" bgColor=#ffffff vAlign=top width=410> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK5 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #000000; FONT-SIZE: 14pt; PADDING-TOP: 2px" height=20 align=left color="#ffffff"><FONT color=#003082><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><A shape=rect name=MoneySense><FONT color=#000099><IMG title=MoneySense contentEditable=false alt=MoneySense src="http://img.constantcontact.com/ui/images1/s.gif"></FONT></A><FONT color=#000099>Dear Leslie,</FONT></FONT></B> </FONT></TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #000000; FONT-SIZE: 10pt" vAlign=top width="100%" align=left color="#666666"><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"> <DIV>&nbsp;</DIV>Welcome to the&nbsp;Gillis Group&nbsp;e-Newsletter!&nbsp; <IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.2 alt="Scott Gillis" align=right src="http://ih.constantcontact.com/fs022/1101584452304/img/2.jpg"></FONT> <DIV> <DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"></FONT>&nbsp;</DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"> <DIV>Buying and owning a home is exciting but can also be confusing and overwhelming.</DIV> <DIV>&nbsp;</DIV>Our goal is to make&nbsp;your life easier by keeping you informed about&nbsp;the latest mortgage-related issues&nbsp;and by&nbsp;providing you with valuable information on&nbsp;topics that are relevant to homeowners.&nbsp;</FONT><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif">We hope you find it interesting and informative. </FONT></DIV> <DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>And remember, I'm never too busy for your referrals.&nbsp;Check out our amazing </FONT><EM><A href="#Money" shape=rect>MoneySense referral offer</A></EM>.</DIV></DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"></FONT>&nbsp;</DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif">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.BLOCK20> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK20 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; FONT-SIZE: 14pt; PADDING-TOP: 2px" height=20 width="100%" align=left color="#000000"><FONT size=4><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk75vVUDBYvHTfYpsCADbnsv-xsnnVVIEYrfZsRAja76GZ6bcaNNZ54-IqwwtzajeF2zbc4QiTEVwqg8ir-sPqL4LwqgvNVkSiTD0ivDdYjkj-H_zs0a67_zQSjm5nDi5g9w6CyS-6QTMzlXpxlK5cPgQeT3kV6z41PSTm4VuweGEJoJ26wELD1y-8lu_4XnC9LqBivKWNQvHEBEasxb_WnvZ6aNQuyvhQ4=" shape=rect target=_blank track="on" linktype="link"><FONT color=#000099 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Homeowners Insurance &amp; Your Credit Score</STRONG></FONT></A><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk74XogGli3FAd3ipWDtFhpYTOIKWZFYWty4MTL_OE7Hn3Lb_mU65MgR9OCV8gSaSHzJMhwJs0yUQ7aMsnUEkT8cxGDPapjMoBMbrV6cQefptxkMsULfG-5wdD57nuQb_s3zLOyuMjci1rqQE0xkvlNmpRNldxZMqTMTThhRfYB_Tw==" shape=rect target=_blank track="on" linktype="link"></FONT></A></TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" vAlign=top width="100%" align=left>&nbsp; <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.76 alt="Home ins" align=right src="http://ih.constantcontact.com/fs022/1101584452304/img/76.jpg" width=149 height=118>You might be surprised to learn that your insurance company&nbsp;may be&nbsp;using your credit score to determine your home insurance rates. And you may not like what that means.</IMG></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif">According to James Daw of youhome.ca , "Anyone with a poor credit score is going to find it increasingly difficult to avoid surcharges when insuring their home and possessions."<BR> <DIV>&nbsp;</DIV> <DIV>For the full story, read&nbsp;<FONT color=#0000ff><A style="COLOR: #0000ff; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk75vVUDBYvHTfYpsCADbnsv-xsnnVVIEYrfZsRAja76GZ6bcaNNZ54-IqwwtzajeF2zbc4QiTEVwqg8ir-sPqL4LwqgvNVkSiTD0ivDdYjkj-H_zs0a67_zQSjm5nDi5g9w6CyS-6QTMzlXpxlK5cPgQeT3kV6z41PSTm4VuweGEJoJ26wELD1y-8lu_4XnC9LqBivKWNQvHEBEasxb_WnvZ6aNQuyvhQ4=" shape=rect target=_blank track="on" linktype="link">James Daw's article</A></FONT>.</DIV></FONT></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK31> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK31 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; FONT-SIZE: 14pt; PADDING-TOP: 2px" height=20 width="100%" align=left color="#000000"><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk5xfNQKOWfHhm3AkqAQ89mUJXmawTSwJR1VEAKou9K9y0T00gbjpfqtrzsnOeKGx5hlYj8bCMw-V912dlpvGcBKIg979rO3KSP5oSOUvHeNDVhU21JNNWKpwDg8qOetbScK8TZ_UKduNMiFnuRLKf7UTQb0eGvT4-GXKalon4ufOC3k8ObA0hAVaLCdoQNvpZdiSaiYtqjT9yrygHfixPw3IVAdWIH3WqI=" shape=rect target=_blank track="on" linktype="link"><STRONG><FONT color=#000099 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Boost Your Home's Value</FONT></STRONG></A> </TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" vAlign=top width="100%" align=left> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"> <DIV>&nbsp;</DIV><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.78 alt="home improvement" align=left src="http://ih.constantcontact.com/fs022/1101584452304/img/78.jpg" width=180 height=130>Large, expensive renovations and upgrades are great but you can spruce up your home, <U>and</U> increase it's value, in a number of small, less expensive ways if you are willing to take on DIY jobs. <DIV>&nbsp;</DIV></IMG></FONT></DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"> <DIV>&nbsp;</DIV>Suggestions for the interior of your home include&nbsp;fresh paint, new moulding, updated fixtures and window treatments. Although there are a number of suggestions for the exterior, these will have to wait a few months! <DIV>&nbsp;&nbsp;</DIV> <DIV>For the full list, read the <FONT color=#0000ff><A style="COLOR: #0000ff; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk5xfNQKOWfHhm3AkqAQ89mUJXmawTSwJR1VEAKou9K9y0T00gbjpfqtrzsnOeKGx5hlYj8bCMw-V912dlpvGcBKIg979rO3KSP5oSOUvHeNDVhU21JNNWKpwDg8qOetbScK8TZ_UKduNMiFnuRLKf7UTQb0eGvT4-GXKalon4ufOC3k8ObA0hAVaLCdoQNvpZdiSaiYtqjT9yrygHfixPw3IVAdWIH3WqI=" shape=rect target=_blank track="on" linktype="link">Globe Investor article</A></FONT> by Amy Fontinelle.</DIV> <DIV>&nbsp;</DIV> <DIV>If you decide to have a contractor do the work, consider <A style="COLOR: #0000ff; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk4r5wAlpIeXsmbWAV-Nl5ktbB9qqKpbyTw7Ds6Cis6cxJ9nkGMv9LToR2Wu4EGaXalG1pAn5n-TRWGPEYZ0lSktT0NmWTXVFdnW22wflmYe6A==" shape=rect target=_blank track="on" linktype="link">Homestars Best of Toronto '09</A> before you hire.</DIV> <DIV>&nbsp;</DIV> <DIV> <DIV>And don't forget to claim eligible expenses&nbsp;under&nbsp;the Home Renovation Tax Credit on your 2009 income tax return.</DIV></DIV></FONT></DIV></TD></TR></TBODY></TABLE></A></TD> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc width=1><IMG border=0 src="http://img.constantcontact.com/letters/images/spacer.gif" width=1 height=1></TD> <TD style="BACKGROUND-COLOR: #ffffff; WIDTH: 190px" bgColor=#ffffff vAlign=top width=190> <TABLE style="MARGIN-BOTTOM: 6px" border=0 cellSpacing=0 cellPadding=3 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 14pt; PADDING-TOP: 2px" bgColor=#6699cc height=20 align=left><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 14pt" color=#003082 size=4 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><B>In This Issue </B></FONT></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK20" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Homeowners Insurance &amp; Your Credit Score</FONT></A></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK31" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Boost Your Home's Value</FONT></A></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK9" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Our Website</FONT></A></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK36" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Discarding Old Electronics</FONT></A></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK35" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Choosing the Right Credit Card</FONT></A></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK19" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">MoneySense </FONT></A></TD></TR> <TR> <TD width="100%" align=left><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt; TEXT-DECORATION: none" href="#LETTER.BLOCK23" shape=rect><FONT style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #003082; FONT-SIZE: 10pt" color=#003082 size=2 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Homestars</FONT></A></TD></TR></TBODY></TABLE> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK8 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #000000; FONT-SIZE: 14pt; PADDING-TOP: 2px" height=20 align=left color="#ffffff"><B><FONT color=#000099 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><U>Quick Links</U></FONT></B></TD></TR> <TR> <TD style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; COLOR: #000000; FONT-SIZE: 8pt; TEXT-DECORATION: none" align=left> <DIV><FONT color=#003082> <DIV><A style="TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk5Ib6eFvKMXqop9faGp-wU3CK7A5_C0g7QtStAj9VlN0M3O5lZyf4Hws-vPsI0otnThham1aNIy_vwhEbqLNNYMTCXF-MlMklhZhYgN-fryL11_mnKc69733gVtxI05WpU=" shape=rect target=_blank track="on" linktype="link"><FONT color=#003082 size=2> <DIV>The Mortgage Checkup</DIV></FONT></A><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; FONT-SIZE: 8pt; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk7DBZpLanHk6uNPeOdL0ZdJIooWc4l8TNeyCI7LM9IPQrUpmxq_gI9MXqvbo8uDcdlEgBjrQHs9aVKziTh9DUxDNZrZmmnCcF-2s_DgtgmgRXdVhvW0WXtG9HWQzSX6pqlZbpN8YD_-9g==" shape=rect target=_blank color="#000000" track="on" linktype="link"></DIV></FONT></DIV><FONT color=#003082 size=2>Current Rates &amp; Other Articles</FONT> <DIV><A style="TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk5kGsHbmaxL6exAqOQ1GTe_S_fxjYXGQu5OeKt0jpx-kM1TT8rDmrAHX7lkdFrUV-gGJpy19NY5hxjkJUc6-i4iNRA_ZL_EpJujn9NCOmWGAIXh9mqeI33TUkqXSh0kxEE=" shape=rect target=_blank track="on" linktype="link"><FONT color=#003082 size=2><U>Calculators</U></FONT></A></DIV> <DIV><A style="TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk7LbqbhqUBHkYWI5u9PXJyXrdnBQqgmlp4Nl8d3sQ4_aA3BvEY1O-QiDJgAoOXVUYYa0TL6f4wSjxCMKf58Zik3ASSZWRPZ4Cu_hzhHyAz27w65UFS8MtfpxaQ4BAhYNXnOg0sHkrb8mQ6ZBXxyoJ6SAx56zFvZKUaVH4DTK1RQuA==" shape=rect target=_blank track="on" linktype="link"><FONT color=#003082 size=2><U>Your Credit Score</U></FONT></A></DIV> <DIV><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; FONT-SIZE: 8pt; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk6jXPD1Btto7rbV-q8OejUnMUU_j1vQgWqDqR4GNOpXXS45e_2QARFzxKIomU5LMyi_kWaFlglhyVL7XgRRC4K1i0lB8gln4LYLbpHXeIGgiu2xbtQFLNZWDUlgjFBtyow=" shape=rect target=_blank color="#000000" track="on" linktype="link"><FONT color=#003082 size=2><U>First Time Homebuyer</U></FONT></A></DIV> <DIV><A style="FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; FONT-SIZE: 8pt; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk5-kBO0VMq75zUTe33EjdtAIRQMH54QnI0w_ooSn6xgvacgunxn74rFt2I3rXo_nFeSPbfL7UjvEuzBLpcTf8PcJ8fZZDoOvk_l90M4bO7OwI9EGOMmeW0pldtB9jG4MwsaH0a6SOvIeAvhyG2uvM_U" shape=rect target=_blank color="#000000" track="on" linktype="link"><FONT color=#003082 size=2><U>Newsletter Archive</U></FONT></A></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK9> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK9 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #cef9fe; FONT-SIZE: 14pt; PADDING-TOP: 2px" bgColor=#6699cc height=20 width="100%" align=left><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #cef9fe; FONT-SIZE: 14pt" color=#cef9fe size=4 face="Arial Narrow,Arial MT Condensed Light,sans-serif"> <DIV><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.39 alt=gilligroup src="http://ih.constantcontact.com/fs022/1101584452304/img/39.gif" width=187 height=38></DIV> <DIV>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=3><STRONG>&nbsp;</STRONG></FONT><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk60o8ayqatO6u0sd6KcAt3M2FRfZGBchH5IIWjb4QdFRMp-P0Y7rKpNZ9Hh0PWauRG8IufvlorMSsD8ahBy_xcD_Nz5DDJzDdwLFDyrawkJO3lQ33ThIGs3" shape=rect target=_blank track="on" linktype="link"><FONT color=#003082 size=3 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Our Website</STRONG></FONT> </A></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE hideFocus style="BACKGROUND-COLOR: #6699cc; MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK10 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%" bgColor=#6699cc> <TBODY> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" align=middle><FONT style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" color=#666666 size=2 face=Arial,Helvetica,sans-serif><A style="COLOR: #0000ff; TEXT-DECORATION: underline" href="http://visitor.constantcontact.com/email.jsp?m=1101584452304" shape=rect target=_blank align="center" color="#4cc4fc"><B><FONT color=#003082 size=3 face="Trebuchet MS,Verdana,Helvetica,sans-serif">Join our Mailing List!</FONT></B></A><FONT color=#003082>&nbsp;</FONT></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK36> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK36 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #cef9fe; FONT-SIZE: 14pt; PADDING-TOP: 2px" bgColor=#6699cc height=20 width="100%" align=left><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #cef9fe; FONT-SIZE: 14pt" color=#cef9fe size=4 face="Arial Narrow,Arial MT Condensed Light,sans-serif"><B><FONT face="Trebuchet MS, Verdana, Helvetica, sans-serif"><A style="COLOR: #003082; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk5NQBn4gJIpcBoDw8ONScxVcDYgUtqieuHs6fA6mDRsBswF56GlY95ONkAn6iv6JGlECuxuvQdpZd30PNl9C_0BNi45IVGZY1SO6vunX0vdIyn74jy7ma0l" shape=rect target=_blank track="on" linktype="link">Discarding Old Electronics</A></FONT> </B></FONT></TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" vAlign=top width="100%" align=left><FONT style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" color=#666666 size=2 face=Arial,Helvetica,sans-serif> <DIV>&nbsp; <IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.82 alt="old computers" src="http://ih.constantcontact.com/fs022/1101584452304/img/82.jpg" width=160 height=193></DIV> <DIV><FONT color=#003082>Not&nbsp;sure what to do with those old electronics piling up in your basement?&nbsp; Landfills used to be the only answer.&nbsp;Now there is an environmentally friendly way to discard your old toys!</FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>The Ontario Electronic Stewardship, a non-profit industry&nbsp;organization,&nbsp;has developed and fund a program to divert electronic waste from landfill through reuse and recycling.</FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>Visit </FONT><FONT color=#003082><A style="COLOR: #0000ff; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk45G8VPJ7vVD8_5qZU0gvzqfjN0yBcDXETzCo53kECpid2fHe5cbv9dvrJDg25z_pY3Ig5-_kZWtYa46txN7CGNAKk06hUP7XbSPGqwmS1j_DnEOcXnSg-V" shape=rect target=_blank track="on" linktype="link">dowhatyoucan.ca</A></FONT><FONT color=#003082>&nbsp;to find locations where your unwanted electronics&nbsp;can be dropped off.</FONT></DIV></FONT></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc height=5 width="100%" colSpan=3></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff; WIDTH: 600px" bgColor=#ffffff width="100%" colSpan=3><A name=LETTER.BLOCK35> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK35 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #cef9fe; FONT-SIZE: 14pt; PADDING-TOP: 2px" bgColor=#6699cc height=20 width="100%" align=left><FONT style="FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #cef9fe; FONT-SIZE: 14pt" color=#cef9fe size=4 face="Arial Narrow,Arial MT Condensed Light,sans-serif"><A style="COLOR: #003082; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk7HJPA4qJ8kP8AHQI-ITVjIN1mgK5ncKN56vl6pRXxfFBcgY1a8Cj3tDmrMjAj7kyG4lmLkk6xprIilSeuTAfQuDSSN_YRPaP8a1NH5NCHBOFLUmMtwRQb9fmsIBIQ_m8bbDr6jBFJUPDTgH0t1p0FNLWHH_ouyconeBhsP-8dwwACxSx6ZvM8dxMnBIC3fnC8PkJRReoCfjSzoJthgIUtC" shape=rect target=_blank track="on" linktype="link"><FONT face="Trebuchet MS, Verdana, Helvetica, sans-serif">Choosing the Right Credit Card</FONT></A> </FONT></TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" vAlign=top width="100%" align=left><FONT style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" color=#666666 size=2 face=Arial,Helvetica,sans-serif>&nbsp; <DIV><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.81 hspace=5 alt="credit cards" vspace=5 align=right src="http://ih.constantcontact.com/fs022/1101584452304/img/81.jpg" width=187 height=140></DIV> <DIV><FONT face="Trebuchet MS, Verdana, Helvetica, sans-serif"><FONT color=#003082>Do you want travel rewards? no annual&nbsp;fee? travel insurance? cash back? purchase protection? <DIV>&nbsp;</DIV>With so many options available these days,&nbsp;finding a credit card that meets&nbsp;all of&nbsp;your needs can be an overwhelming task</FONT>. <DIV>&nbsp;</DIV></FONT></DIV> <DIV><FONT color=#003082>The Financial Consumer Agency of Canada now has an interactive tool that allows you to&nbsp;compare different credit cards based on the criteria that you select.</FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>Find out which card is right for you ...go to the</FONT> <A style="COLOR: #0000ff; FONT-WEIGHT: bold; TEXT-DECORATION: underline" href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk7HJPA4qJ8kP8AHQI-ITVjIN1mgK5ncKN56vl6pRXxfFBcgY1a8Cj3tDmrMjAj7kyG4lmLkk6xprIilSeuTAfQuDSSN_YRPaP8a1NH5NCHBOFLUmMtwRQb9fmsIBIQ_m8bbDr6jBFJUPDTgH0t1p0FNLWHH_ouyconeBhsP-8dwwACxSx6ZvM8dxMnBIC3fnC8PkJRReoCfjSzoJthgIUtC" shape=rect target=_blank track="on" linktype="link">FCAC web site</A>.</DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK19> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK19 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; FONT-SIZE: 14pt; PADDING-TOP: 2px" height=20 width="100%" align=left color="#000000"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><B><U><EM><FONT color=#003082><A shape=rect name=Money><IMG title=Money contentEditable=false alt=Money src="http://img.constantcontact.com/ui/images1/s.gif"></A><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk49ULa58I05SpoMzYjhNJIS6WAEerTArL5Mo_u8YNm9I6A-68n7AAtEpK5BS-RDXEa9Z4VhtjXZVKrahuI1thlNvVlKu-tOC8Gdtt37Qs-ozZIn4mn497MP8dv68XImhW4c4h3m-uJQUsP_nmviXCtmxvUlmP-TNkIu0XQ8R3hbMspKC5IEn9rhD2NUWrbmlQ8ff3gPoY_vNYfSB0s9tKs1" shape=rect target=_blank track="on" linktype="link"><FONT color=#003082>MoneySense</FONT></A></FONT></EM></U></B></FONT></TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #000000; FONT-SIZE: 10pt" vAlign=top width="100%" align=left color="#666666"><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk49ULa58I05SpoMzYjhNJIS6WAEerTArL5Mo_u8YNm9I6A-68n7AAtEpK5BS-RDXEa9Z4VhtjXZVKrahuI1thlNvVlKu-tOC8Gdtt37Qs-ozZIn4mn497MP8dv68XImhW4c4h3m-uJQUsP_nmviXCtmxvUlmP-TNkIu0XQ8R3hbMspKC5IEn9rhD2NUWrbmlQ8ff3gPoY_vNYfSB0s9tKs1" shape=rect target=_blank track="on"><FONT color=#003082><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.21 alt="MoneySense Magazine" align=left src="http://ih.constantcontact.com/fs022/1101584452304/img/21.jpg" width=171 height=210></FONT></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 hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK23 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #6699cc; PADDING-LEFT: 6px; PADDING-RIGHT: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; COLOR: #000000; FONT-SIZE: 14pt; PADDING-TOP: 2px" height=20 width="100%" align=left color="#cef9fe"><A href="http://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk7eGkW0l_ZtSAME8WzLAtu5iAfzaF-XYQPcUryGc0vmqtBzka_7sQ4HmqWZEwPFT6vxHfiim-4Bu5XDzXaY9bWKCZhqMV0vLBJS7vJs-C1PuO4FeQUTPjxe" shape=rect target=_blank track="on" linktype="link"><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Homestars</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" vAlign=top width="100%" align=left><FONT style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" color=#666666 size=2 face=Arial,Helvetica,sans-serif> <DIV><FONT color=#003082><IMG contentEditable=false border=0 name=ACCOUNT.IMAGE.40 alt=homestars align=right src="http://ih.constantcontact.com/fs022/1101584452304/img/40.jpg" width=225 height=118>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://r20.rs6.net/tn.jsp?et=1102855465072&amp;s=3&amp;e=001pbY4DPVPHk7eGkW0l_ZtSAME8WzLAtu5iAfzaF-XYQPcUryGc0vmqtBzka_7sQ4HmqWZEwPFT6vxHfiim-4Bu5XDzXaY9bWKCZhqMV0vLBJS7vJs-C1PuO4FeQUTPjxe" shape=rect target=_blank track="on" linktype="link"><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 height=38 colSpan=3></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff" bgColor=#ffffff width="100%" colSpan=3> <TABLE hideFocus style="MARGIN-BOTTOM: 6px" id=content_LETTER.BLOCK13 tabIndex=0 border=0 cellSpacing=0 cellPadding=5 width="100%"> <TBODY> <TR> <TD style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" align=left><FONT style="FONT-FAMILY: Arial,Helvetica,sans-serif; COLOR: #666666; FONT-SIZE: 10pt" color=#666666 size=2 face=Arial,Helvetica,sans-serif> <DIV> <DIV> <DIV> <DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG> <DIV> <DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>We hope you enjoyed this month's newsletter - we would love to hear what you think!&nbsp;</STRONG></FONT></STRONG></FONT></DIV></DIV></DIV></STRONG></FONT></STRONG></FONT><BR><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Sincerely,&nbsp;<BR>&nbsp;</STRONG></FONT></DIV></DIV></DIV></DIV></DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Scott Gillis, Mortgage Agent</STRONG></FONT> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Accredited Mortgage Professional <DIV></STRONG></FONT><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Oriana Financial&nbsp;Group of Canada Ltd - The Gillis Group <DIV>License #M08009463&nbsp;</DIV></STRONG></FONT></DIV></DIV> <DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG><A href="mailto:scott@gillisgroup.ca" shape=rect target=_blank>scott@gillisgroup.ca</A></STRONG></FONT></DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><STRONG>Tel/Fax: 416.440.0338</STRONG></FONT></DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"></FONT>&nbsp;</DIV> <DIV><FONT color=#003082 face="Trebuchet MS,Verdana,Helvetica,sans-serif"><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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