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 6.00.6000.16809" name=GENERATOR></HEAD> <BODY leftMargin=0 topMargin=0 rightMargin=0><!--Copyright (c) 1996-2009 Constant Contact. All rights reserved. Except as permitted under a separate written agreement with Constant Contact, neither the Constant Contact software, nor any content that appears on any Constant Contact site, including but not limited to, web pages, newsletters, or templates may be reproduced, republished, repurposed, or distributed without the prior written permission of Constant Contact. For inquiries regarding reproduction or distribution of any Constant Contact material, please contact legal@constantcontact.com.--> <DIV id=rootDiv style="OVERFLOW: auto" align=center> <TABLE style="MARGIN: 0px; BACKGROUND-COLOR: #f2f2f2" cellSpacing=0 cellPadding=0 width="100%" bgColor=#f2f2f2 border=0> <TBODY> <TR> <TD align=middle> <TABLE cellSpacing=0 cellPadding=0 width=600 border=0> <TBODY> <TR> <TD width="100%"> <TABLE id=content_LETTER.BLOCK1 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD align=middle><IMG contentEditable=false alt="Oriana/Gillis Group header" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/14.gif?a=1102438845418" border=0 name=ACCOUNT.IMAGE.14></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD> <TABLE style="BORDER-RIGHT: #5eacff 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: #5eacff 1px solid; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; BORDER-LEFT: #5eacff 1px solid; WIDTH: 600px; PADDING-TOP: 0px; BORDER-BOTTOM: #5eacff 1px solid" borderColor=#5eacff cellSpacing=0 cellPadding=0 width=600 border=0><TBODY> <TR> <TD style="BACKGROUND-COLOR: #6699cc" width="100%" bgColor=#6699cc colSpan=3> <TABLE id=content_LETTER.BLOCK2 hideFocus tabIndex=0 cellSpacing=0 cellPadding=3 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=left><FONT style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=3> <P align=left><FONT face=Tahoma,Arial,sans-serif size=4><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</STRONG><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif> February 2009</FONT></FONT></P></FONT></TD> <TD style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=right></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD width="100%" colSpan=3> <TABLE style="BACKGROUND-COLOR: #003082" cellSpacing=0 cellPadding=0 width="100%" bgColor=#003082 border=0> <TBODY> <TR> <TD style="WIDTH: 286px" width=289> <TABLE id=content_LETTER.BLOCK3 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD><IMG contentEditable=false height=170 alt="house- snow" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/29.jpg?a=1102438845418" width=259 border=0 name=ACCOUNT.IMAGE.29></TD></TR></TBODY></TABLE></TD> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; PADDING-BOTTOM: 2px; WIDTH: 310px; PADDING-TOP: 2px" vAlign=center align=right width=310> <TABLE id=content_LETTER.BLOCK4 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 18pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=left><FONT style="FONT-SIZE: 18pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=5> <P align=center><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif><FONT size=5><SPAN style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align="center"><FONT style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=6>The Gillis Group<BR>Homeowner&nbsp;News</FONT></SPAN> </FONT></FONT></P></FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=3 height=5></TD> <TR> <TD style="WIDTH: 410px; BACKGROUND-COLOR: #ffffff" vAlign=top width=410 bgColor=#ffffff> <TABLE id=content_LETTER.BLOCK15 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left height=20 color="#ffffff"><FONT color=#003082><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">Greetings!</FONT></B> </FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp; </FONT> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Welcome to the new Gillis Group&nbsp;e-Newsletter!&nbsp; <IMG contentEditable=false alt="Scott Gillis" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/2.jpg?a=1102438845418" align=right border=0 name=ACCOUNT.IMAGE.2></FONT></DIV> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Our goal is to keep you up to date on mortgage-related issues&nbsp;but also to&nbsp;provide valuable information on issues that are relevant to homeowners. </FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>We hope you find it interesting and informative.</FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>You may unsubscribe at any time by following the unsubscribe link at the bottom of each email.</FONT></DIV></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK6> <TABLE id=content_LETTER.BLOCK6 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U>Are You Paying Too Much?</U> </FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp; <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><IMG contentEditable=false height=111 alt=money src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/25.jpg?a=1102438845418" width=171 align=right border=0 name=ACCOUNT.IMAGE.25>&nbsp;</IMG></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Are&nbsp;your mortgage payments too high? Do you need to consolidate some of your debts? <DIV>&nbsp;</DIV></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>If your mortgage currently carries an interest rate greater than 5.29% with a term of 1 to 5 years,&nbsp;you may want to&nbsp;consider refinancing your mortgage. <DIV>&nbsp;</DIV> <DIV></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Call me today to discuss your&nbsp;refinancing options.</FONT></DIV></FONT></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK11> <TABLE id=content_LETTER.BLOCK11 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6XU1EIzSXxwQRPC4F58s1dNmse_PKarzJAjpTeo0Xp0vPqakSySuY_VcqLxUKhykiAqhiYirrc18MWyvVFAqN9X_ZQYe_zrbwFLolrbsEMhYM0Gn_y2lraO6Ra-aT8HIf0TuD4i2DFX2ynhkWOAdvhpnhdW0Z0z-kE=" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Understanding Your Credit Score</FONT></A></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp;&nbsp; <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><IMG contentEditable=false height=101 alt="Credit score" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/26.jpg?a=1102438845418" width=162 align=left border=0 name=ACCOUNT.IMAGE.26>It's&nbsp;a new year and now is a great time to&nbsp;act on your resolution to improve your credit score. <DIV></IMG></FONT><BR><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>To borrow as cheaply as possible, it helps to&nbsp;increase your score from good to fabulous. For example, raising your&nbsp;score from 650 to 770 can save $3,100 a year on a 30-year, $300,000 mortgage.<BR>&nbsp;&nbsp;&nbsp;<BR>Below is a snapshot of the&nbsp;factors that impact your score.&nbsp;&nbsp;&nbsp; <DIV>&nbsp;</DIV><FONT color=#0000ff><STRONG>·<FONT color=#003082>35% Your payment history:</FONT></STRONG></FONT> Pay your bills on time. Automating payments online can help. <DIV>&nbsp;</DIV> <DIV><STRONG><FONT color=#003082>.30% How much you owe:</FONT></STRONG> Keep balances on credit cards and other revolving accounts below 50% of your credit limit (lower is better). <BR><BR><STRONG><FONT color=#003082>·15% Length of your credit history:</FONT></STRONG> Rather than let old cards go dormant, charge a little a month (then pay it off). No activity lowers your score. <BR><BR><STRONG><FONT color=#003082>·10% Your new credit:</FONT></STRONG> Don't open unnecessary new accounts. And if you're rate shopping for a mortgage or an auto loan, do it within two weeks; multiple requests could ding your score. <BR><BR><STRONG><FONT color=#003082>.10% Your mix of loans:</FONT></STRONG> You can't do much to change this (except get a credit card if you don't have one). </DIV></FONT></DIV></DIV> <DIV><BR><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Check out our web site for <A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6XU1EIzSXxwQRPC4F58s1dNmse_PKarzJAjpTeo0Xp0vPqakSySuY_VcqLxUKhykiAqhiYirrc18MWyvVFAqN9X_ZQYe_zrbwFLolrbsEMhYM0Gn_y2lraO6Ra-aT8HIf0TuD4i2DFX2ynhkWOAdvhpnhdW0Z0z-kE=" target=_blank linktype="link" track="on"><FONT color=#0000ff>more information</FONT></A>.</FONT></DIV></FONT></DIV></TD></TR></TBODY></TABLE></A></TD> <TD style="BACKGROUND-COLOR: #6699cc" width=1 bgColor=#6699cc><IMG height=1 src="http://img.constantcontact.com/letters/images/spacer.gif" width=1 border=0></TD> <TD style="WIDTH: 190px; BACKGROUND-COLOR: #ffffff" vAlign=top width=190 bgColor=#ffffff> <TABLE style="MARGIN-BOTTOM: 6px" cellSpacing=0 cellPadding=3 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #003082; PADDING-TOP: 2px; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; BACKGROUND-COLOR: #6699cc" align=left bgColor=#6699cc height=20><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=4><B>In This Issue </B></FONT></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK6" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Are You Paying Too Much?</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK11" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Understanding Your Credit Score</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK16" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>In the News</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK15" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Time For a Checkup?</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK12" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Home Renovation Tax Credit...and more</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK19" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>MoneySense </FONT></A></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK16> <TABLE id=content_LETTER.BLOCK16 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U> <DIV>In the News</DIV></U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6VoMIQp2Bwri5CC8KtZxuNxkX5gf3OhE7Iy8VxIcfLs4NT5bjP8t04obHhxIWkku0z_9R5Wy6hhC1kNjThuk4qmlm89y39DfpfZichtFZrsC-UpofKwtUv5Y7zsiBR-cDBRUk2lXRNAojUMOO3p8Ue75Y3ewPpLBCOx1iM-tvJqxkATW5jjS7fwwWCRn68Zxw1Ho9ji1xSy7_539xhZXGSQ" target=_blank linktype="link" track="on"><FONT color=#0000ff>The Perfect Piggy Bank </FONT></A><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6XtoVQhn7B-FbdA62UGSBFIYmyy0IOZIu54TzmdmzbRBlDvwitWhFLPen05CJQQ_9cppAPSe4GGEDOQA-vf2F_Bwl2jiQQaMQ4WCw26jIhul4cv5nfI4DrJ4b49-5pUaEZC4CHaIxiGo9Vj9zx1K-URjNENrcwenjE0nV7qvYQBpYi-U44Ytbpw-SJoKxoIf1ufuVJ0XeVEQSswtoQmtrvR" target=_blank linktype="link" track="on"></FONT></DIV> <DIV></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6XtoVQhn7B-FbdA62UGSBFIYmyy0IOZIu54TzmdmzbRBlDvwitWhFLPen05CJQQ_9cppAPSe4GGEDOQA-vf2F_Bwl2jiQQaMQ4WCw26jIhul4cv5nfI4DrJ4b49-5pUaEZC4CHaIxiGo9Vj9zx1K-URjNENrcwenjE0nV7qvYQBpYi-U44Ytbpw-SJoKxoIf1ufuVJ0XeVEQSswtoQmtrvR" target=_blank linktype="link" track="on"><FONT color=#0000ff>TFSA Buyer's Guide</FONT></A>&nbsp;</DIV></FONT> <DIV><FONT color=#003082> <DIV>&nbsp;</DIV> <DIV>For more information on the&nbsp;new TFSAs and RRSPs, contact Brett Okorofsky, Oriana Wealth Management, at (416) 930.0184 or <A href="mailto:brett@orianawealth.com" target=_blank><FONT color=#0000ff>brett@orianawealth.com</FONT></A>.</DIV> <DIV>&nbsp;</DIV></FONT></DIV></FONT></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK15> <TABLE id=content_LETTER.BLOCK15 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U>Time For a Checkup?</U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp; <DIV> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Your mortgage is in place - nothing to think about until it renews, right? Maybe, maybe not.&nbsp; </FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Are you thinking about buying a vacation or investment property?&nbsp; </FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Does your home need renovations or remodeling?&nbsp;</FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Do you need a bigger home for your growing family?</FONT></DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Do you have children going to college or university?</FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Do you need&nbsp;to consolidate your credit card debt?&nbsp; </FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Life&nbsp;has a way of happening!&nbsp;</FONT></DIV></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Call me at 416-440-0338 x1 to schedule a checkup...for the health of your mortgage!</FONT></DIV></DIV></DIV></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK8 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left height=20 color="#ffffff"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U>Quick Links</U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" align=left> <DIV><FONT color=#003082> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6X0mil1ctdGvEMMeF_f4f-BRfIRtzUrs6lUsvTLWlfD1EfR2AtaOK6RhzWJTnWONCaatTq-hWqrb5cdGHOBu-r-4ulvlhm_1PqVusg-J9dlnYbSUXj5dGSrCqCRcv8BGBdVqekJWgEKZg==" target=_blank linktype="link" track="on"><FONT color=#003082 size=2> <DIV>The Mortgage Checkup</DIV></FONT></A><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6Vki6uRwEqxRMapv3d9P5B3LBkNoM8RYPrec6p_O8O3sOrs1veTYtra3cGEeZ0RR3qN8Z4mFEQw_Z8Pi1cRqev0ARRNIFFxyOjZv2vdJVgOnE6cq2WQ5Qr3E8VMEyVA0XegerM7H2FNjUq3_XBmgVap" target=_blank color="#000000" linktype="link" track="on"></DIV></FONT></DIV><FONT color=#003082 size=2>Current Rates &amp; Other Articles</FONT> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6VKzYnrMmaIo7gd9Za-tfLnCijomURrNhyNZg-7HWwFrKHwtgwmolDy5S3WdG1AOfsxUEw6CNL2Zi-JXSIiJziE_0OuA2W0HGEWYl46nfG06PqWvop96b4s2Z4httpw570=" target=_blank linktype="link" track="on"><FONT color=#003082 size=2><U>Calculators</U></FONT></A></DIV> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6W2Whv679yp5ES8VuKzha_kq0Mk-fwn1abSwMGOlaFFnTX1yLWepIckYTS229sUfy82JqlezdocuNvNs6wBUuoXq0TBt-xf5M1r2juSfQK4cJ0UWJGES9Fy7cWjzc3MPQGEPgI4Hijexltv0rvej2YYbyk9a7gEfkQ2Y1MYF4OZVA==" target=_blank linktype="link" track="on"><FONT color=#003082 size=2><U>Your Credit Score</U></FONT></A></DIV> <DIV><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6U-LIW1jniB-R_xNOBszuDXymH1JknkA7VxV9SN8K5NlDEtf85-S4LbkwRxUwhTdsmwpcH2RmTmrWmdvE0g2Vn9nwmTGyhjrdvXoC9BrCMWM4ErUQAVrypMvf6b0Z2SYLg=" target=_blank color="#000000" linktype="link" track="on"><FONT color=#003082 size=2><U>First Time Homebuyer</U></FONT></A></DIV> <DIV><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6Ud0sHcwso002Mezxj8gL08LvsfCPU7tw9X-651hQtLkwoiKAPLNjWyheGmqO3mBRJUEQNhkLnoxeFXT-AhFTaOB7AIcdDMBezSAHiIy00OOQ4QhN5b4Wi2iOexAdmJNHALVYYf3F67AjwmxhZVWnIe" target=_blank color="#000000" linktype="link" track="on"><FONT color=#003082 size=2><U>Newsletter Archive</U></FONT></A></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK9> <TABLE id=content_LETTER.BLOCK9 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #cef9fe; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" bgColor=#6699cc height=20><FONT style="FONT-SIZE: 14pt; COLOR: #cef9fe; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#cef9fe size=4> <DIV><IMG contentEditable=false alt="Gillis Group" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/6.jpg?a=1102438845418" border=0 name=ACCOUNT.IMAGE.6></DIV> <DIV>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT size=3><STRONG>&nbsp;</STRONG></FONT><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6V6m9XpyHfI40WNH6t3O0_tReVSMZvLImxkoC52TsQqlsqN7uaqD_g9PJf4htfeQvxDABr8HdTyPfJ4gYcOsUp6tF6PAHo42MuKmHo7cRwpMYjSNtJi_reG" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=3><STRONG>Our Website</STRONG></FONT> </A></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK10 hideFocus style="MARGIN-BOTTOM: 6px; BACKGROUND-COLOR: #6699cc" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" bgColor=#6699cc border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><A style="COLOR: #4cc4fc; TEXT-DECORATION: underline" href="http://visitor.constantcontact.com/email.jsp?m=1101584452304" target=_blank shape=rect align="center"><FONT style="COLOR: #4cc4fc" color=#4cc4fc><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#ffffff size=3>Join our Mailing List!</FONT></B></FONT></A>&nbsp;</FONT></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" width="100%" bgColor=#6699cc colSpan=3 height=5></TD> <TR> <TD style="WIDTH: 600px; BACKGROUND-COLOR: #ffffff" width="100%" bgColor=#ffffff colSpan=3><A name=LETTER.BLOCK12> <TABLE id=content_LETTER.BLOCK12 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG><U>Home Renovation Tax Credit (HRTC)...and more</U></STRONG></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp;&nbsp;&nbsp;<BR></FONT> <DIV> <DIV><FONT color=#003082><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><IMG contentEditable=false height=117 alt=blueprints src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/23.jpg?a=1102438845418" width=180 align=left border=0 name=ACCOUNT.IMAGE.23>The 2009 Federal Budget&nbsp;provides a temporary incentive for Canadians to implement new renovation projects or accelerate planned future projects.</IMG></FONT></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>The temporary HRTC provides a 15% incomce tax credit on eligible home renovation expenses for work performed or goods acquired after&nbsp;January 27, 2009 and before&nbsp;February&nbsp;1, 2010. <DIV>&nbsp;</DIV> <DIV>Click <A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6XOhWGOv4vQ2UaeJs-s33bsozqR5Ey6RkHK23g50Pr0ZjyB4uMt1-9CSGwCZASfd9ED1QgnBuZg0cVGaI_7CtIhhB-53VJxqqjRrbeI9nLOMO76rPUo5XPpCl6QK3jMSWKBdCdZi6AsqHdGF0wDiPrU" target=_blank linktype="link" track="on"><FONT color=#0000ff>here</FONT></A> to read more about the HRTC.</DIV> <DIV>&nbsp;</DIV> <DIV></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Ottawa also offered an&nbsp;increase to&nbsp;the RRSP withdrawal limit for qualified home buyers to $25,000 from $20,000, and introduced up to $750 in tax relief for closing costs for new first time home buyers.&nbsp;<BR>&nbsp;</FONT></DIV></DIV> <DIV> <DIV><FONT color=#003082>Get all the details on&nbsp;how&nbsp;the 2009 <A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6XVeF-MrCqWb6ClpjmWzNFjysZwliKFFzMS7C7gQHqhnCauHKTEZOSmLmBF2LRZOcwyIJN9g8PQ6iyitnOvsiQr2fs9OQ37s-leeVpHGdUSr_InuU-q-a5c9dooBJvnFaLKenPc9BP1JA==" target=_blank linktype="link" track="on"><FONT color=#0000ff>Economic Action Plan</FONT></A> </FONT><FONT color=#003082>impacts Canadian homeowners.</FONT></DIV></DIV></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK19> <TABLE id=content_LETTER.BLOCK19 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><B><U><EM><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6WtACui2GkhyufAwOFDy_6QBbwLevU-E55YqQpuWg86ARA3IVqtSUiY5Hcg5mAYSvDPE_d-1qWHvcRl0BMoNws_jdrf3H2YMYA-teAn0VwRV-RfT1gJfUxoGD3S19kXFfuHHCRyoE52EcGD-c1z272CxRatWFoBaAl1Lnr1hc9owEabQeYToGShKvHEe1eHUnXV3UnvnAXNxNHgKQinDNeq" target=_blank linktype="link" track="on"><FONT color=#003082>MoneySense</FONT></A></EM></U></B></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT color=#003082>&nbsp; </FONT> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><A href="http://rs6.net/tn.jsp?et=1102438845418&amp;e=001zQQFbOJgi6WtACui2GkhyufAwOFDy_6QBbwLevU-E55YqQpuWg86ARA3IVqtSUiY5Hcg5mAYSvDPE_d-1qWHvcRl0BMoNws_jdrf3H2YMYA-teAn0VwRV-RfT1gJfUxoGD3S19kXFfuHHCRyoE52EcGD-c1z272CxRatWFoBaAl1Lnr1hc9owEabQeYToGShKvHEe1eHUnXV3UnvnAXNxNHgKQinDNeq" target=_blank track="on"><IMG contentEditable=false alt="MoneySense Magazine" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/21.jpg?a=1102438845418" align=right border=0 name=ACCOUNT.IMAGE.21></A>In today's economy everyone could use some sound financial advice, from&nbsp;investment and money management news to&nbsp;tips and guides.&nbsp;"Every issue of <EM>MoneySense </EM>is filled with hundreds of insights, strategies, tips and ideas to help you achieve your financial freedom!"&nbsp;&nbsp;<BR><BR>Give the gift of good service and help your friends, family and co-workers with their money sense.&nbsp;&nbsp; <BR>&nbsp;<BR>When you make a referral we will present you and our new client with a complimentary&nbsp;one-year subscription to <EM>MoneySense</EM>, Canada's best-selling personal investment and lifestyle magazine.</FONT></DIV></DIV></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=3 height=38></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff" width="100%" bgColor=#ffffff colSpan=3> <TABLE id=content_LETTER.BLOCK13 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2> <DIV> <DIV> <DIV> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>We hope you enjoyed this month's newsletter - we would love to hear what you think!&nbsp;&nbsp;</STRONG></FONT></DIV><BR><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Sincerely,&nbsp;<BR>&nbsp;</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Scott Gillis, AMP&nbsp; </STRONG></FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Accredited Mortgage Professional</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Oriana Financial&nbsp;- The Gillis Group </STRONG></FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>scott@gillisgroup.ca</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>416.440.0338 x1</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Referrals are the foundation of my business.&nbsp;&nbsp; If I have provided superior service to you, please refer your co-workers, family, friends and neighbours.&nbsp; I promise to give them the same high level of service.</STRONG>&nbsp;&nbsp; <DIV>&nbsp;</DIV> <DIV> <DIV> <DIV><FONT size=1>Oriana Financial Group of Canada Ltd.</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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