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 6.00.6000.16850" name=GENERATOR></HEAD> <BODY leftMargin=0 topMargin=0 rightMargin=0><!--Copyright (c) 1996-2009 Constant Contact. All rights reserved. Except as permitted under a separate written agreement with Constant Contact, neither the Constant Contact software, nor any content that appears on any Constant Contact site, including but not limited to, web pages, newsletters, or templates may be reproduced, republished, repurposed, or distributed without the prior written permission of Constant Contact. For inquiries regarding reproduction or distribution of any Constant Contact material, please contact legal@constantcontact.com.--> <DIV id=rootDiv align=center> <TABLE style="MARGIN: 0px; BACKGROUND-COLOR: #f2f2f2" cellSpacing=0 cellPadding=0 width="100%" bgColor=#f2f2f2 border=0> <TBODY> <TR> <TD align=middle> <TABLE cellSpacing=0 cellPadding=0 width=600 border=0> <TBODY> <TR> <TD width="100%"> <TABLE id=content_LETTER.BLOCK1 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD align=middle><IMG contentEditable=false alt="Oriana/Gillis Group header" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/14.gif?a=1102590587889" border=0 name=ACCOUNT.IMAGE.14></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD> <TABLE style="BORDER-RIGHT: #5eacff 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: #5eacff 1px solid; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; BORDER-LEFT: #5eacff 1px solid; WIDTH: 600px; PADDING-TOP: 0px; BORDER-BOTTOM: #5eacff 1px solid" borderColor=#5eacff cellSpacing=0 cellPadding=0 width=600 border=0><TBODY> <TR> <TD style="BACKGROUND-COLOR: #6699cc" width="100%" bgColor=#6699cc colSpan=3> <TABLE id=content_LETTER.BLOCK2 hideFocus tabIndex=0 cellSpacing=0 cellPadding=3 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=left><FONT style="FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=3> <P align=left><FONT face=Tahoma,Arial,sans-serif size=4><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;June &nbsp;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=231 alt="summer house" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/51.jpg?a=1102590587889" width=257 border=0 name=ACCOUNT.IMAGE.51></TD></TR></TBODY></TABLE></TD> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; PADDING-BOTTOM: 2px; WIDTH: 310px; PADDING-TOP: 2px" vAlign=center align=right width=310> <TABLE id=content_LETTER.BLOCK4 hideFocus tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 18pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align=left><FONT style="FONT-SIZE: 18pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=5> <P align=center><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif><FONT size=5><SPAN style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; TEXT-DECORATION: none" align="center"><FONT style="FONT-SIZE: 24pt; COLOR: #ffffff; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif" face="Arial Narrow,Arial MT Condensed Light,sans-serif" color=#ffffff size=6>The Gillis Group<BR>Homeowner&nbsp;News</FONT></SPAN> </FONT></FONT></P></FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=3 height=5></TD> <TR> <TD style="WIDTH: 410px; BACKGROUND-COLOR: #ffffff" vAlign=top width=410 bgColor=#ffffff> <TABLE id=content_LETTER.BLOCK5 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left height=20 color="#ffffff"><FONT color=#003082><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif">Dear Leslie,</FONT></B> </FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV>&nbsp;</DIV>Welcome to the&nbsp;Gillis Group&nbsp;e-Newsletter!&nbsp; <IMG contentEditable=false alt="Scott Gillis" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/2.jpg?a=1102590587889" 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; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7wvrAFhF20mv9Aq43FKA1bRo1K4UvQ05_BeqXNquar24dpG79DgJiYgmflTW6UIv5yjTQq-dLP-4u8-01GLC8dwAmp-2ZUfNBeFy1OFPzTeqZBYG2IZ2DbQx4UGrNA1rsOp3VFkgtCHxEQsR-2CIlFpepoNGi2jjOqQX2eJENDbqC-ZeE-owTYrqUU6taeRV1bsRXLhbC8Rst235e78gabj" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>50/50 Mortgages</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"> <DIV></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp;<IMG contentEditable=false height=111 alt=Merix src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/52.gif?a=1102590587889" width=79 align=right border=0 name=ACCOUNT.IMAGE.52> <DIV> <DIV>With fixed mortgage rates still very low and the prime lending rate holding steady, the decision to go fixed or variable can be a difficult one. </DIV> <DIV>&nbsp;</DIV> <DIV>In this time of uncertainty, Merix Financial&nbsp;has introduced what may be a solution for many people.&nbsp; They have launched their 50/50 "Wise" Mortgage, a hybrid mortgage that allows borrowers to lock in half of their mortgage at a 5-year fixed rate and the other half at a 5-year variable rate.</DIV> <DIV>&nbsp;</DIV> <DIV>For more information on this new product, read the&nbsp;<A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7wvrAFhF20mv9Aq43FKA1bRo1K4UvQ05_BeqXNquar24dpG79DgJiYgmflTW6UIv5yjTQq-dLP-4u8-01GLC8dwAmp-2ZUfNBeFy1OFPzTeqZBYG2IZ2DbQx4UGrNA1rsOp3VFkgtCHxEQsR-2CIlFpepoNGi2jjOqQX2eJENDbqC-ZeE-owTYrqUU6taeRV1bsRXLhbC8Rst235e78gabj" target=_blank linktype="link" track="on"><FONT color=#0000ff>article</FONT></A> by Melanie &amp; Robert McLister of Canadian Mortgage Trends.</DIV></DIV></IMG></FONT></FONT></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK20> <TABLE id=content_LETTER.BLOCK20 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" size=4><STRONG><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7zjcSxYHgmcmR4OHE9A-iWaItO9sUbhF2N9TbwDbYUoC5jg2LsAGPk05SPpzW4pGlLVA6Q_LQnE9ZcXB9xkHLl2aDFev936K_cfwqTZmQlenab61LupRmmyPWaBnfOQSZcBDZTAr5wzL9RKYyhqG1ySLzWJNSOunpclXIsRhZnJYw==" target=_blank linktype="link" track="on"><FONT color=#003082>Creating Legal Apartments</FONT></A><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7zjcSxYHgmcmR4OHE9A-iWaItO9sUbhF2N9TbwDbYUoC5jg2LsAGPk05SPpzW4pGlLVA6Q_LQnE9ZcXB9xkHLl2aDFev936K_cfwqTZmQlenab61LupRmmyPWaBnfOQSZcBDZTAr5wzL9RKYyhqG1ySLzWJNSOunpclXIsRhZnJYw==" target=_blank linktype="link" track="on"></STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp; <DIV><IMG contentEditable=false height=172 alt=stairs src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/53.jpg?a=1102590587889" width=129 align=left border=0 name=ACCOUNT.IMAGE.53><FONT color=#003082>In this tough economy, many homeowners&nbsp;would like to supplement their income by building and renting&nbsp;a basement&nbsp;apartment.&nbsp;However, to do so, the apartment or suite must be legal, but determining this can be a daunting task.</FONT></IMG></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>In this <A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7zjcSxYHgmcmR4OHE9A-iWaItO9sUbhF2N9TbwDbYUoC5jg2LsAGPk05SPpzW4pGlLVA6Q_LQnE9ZcXB9xkHLl2aDFev936K_cfwqTZmQlenab61LupRmmyPWaBnfOQSZcBDZTAr5wzL9RKYyhqG1ySLzWJNSOunpclXIsRhZnJYw==" target=_blank linktype="link" track="on"><FONT color=#0000ff>article</FONT></A> by <EM>move smartly</EM>, the Toronto Neighbourhoods and Real Estate Blog,&nbsp;you will find the help you need to unravel the mystery!&nbsp; Also included in the article is a <A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7wAEHZzdJdT2D1_-Cnmh-vNMgc6vL3INDoNaTxjoaNYKpwhDk3h8mVpS0IlzcX6QPUaFKwHh1HAk0UebHl5EcJU_3X_L26eK-CCqhkGRqpUxn9agUuTLxHBpWayiyJIROKeymTRcnKX3A==" target=_blank linktype="link" track="on"><FONT color=#0000ff>link</FONT></A> to excellent information provided by Carson Dunlop, a well-known firm of home inspectors and consulting engineers. </FONT></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK22> <TABLE id=content_LETTER.BLOCK22 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7xFh3g5ShJArT63ctKGO72Pf9c4nHrQic5pXSncvPnId52_jC0qg159Mz_2PhcxZ39VlEFPE8ZMsfNg0w7chY8xdYuhPiBrYBpRmbV8bELCp3Pidfmh7Bwpx_WLUx3DNupK73OqjJG-xmIifBNULCvkuulVbY4lnLY0BsbpW7WNnwpNX6XneqstBawyQtTsGoOEiImDJkN8mNjxkVHC90zR7uL0KEelWhkWKK_WfQhKT1HGCuo8NsiIa-vPJiRbxwLRdQ1AK5rcM0oqc9afD8wJHEBBejLan3I=" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Solar Water Heating</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp;</FONT> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV><IMG contentEditable=false height=126 alt="Solar Heat " src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/55.jpg?a=1102590587889" width=190 align=right border=0 name=ACCOUNT.IMAGE.55>Have you ever considered using solar power to heat the water in your home?&nbsp; </IMG></DIV> <DIV>Well, now would be a very good time to consider it.</DIV> <DIV>&nbsp;</DIV> <DIV>The solar&nbsp;heaters can save you up to 60% of your hot water heating bill every year and until December 2010, owners of eligible&nbsp;homes will receive incentives through Bullfrog&nbsp;Power, Enbridge, and EnerWorks to make solar heating more affordable.</DIV> <DIV>&nbsp;</DIV> <DIV>To read more and find out how to apply, click <A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7xFh3g5ShJArT63ctKGO72Pf9c4nHrQic5pXSncvPnId52_jC0qg159Mz_2PhcxZ39VlEFPE8ZMsfNg0w7chY8xdYuhPiBrYBpRmbV8bELCp3Pidfmh7Bwpx_WLUx3DNupK73OqjJG-xmIifBNULCvkuulVbY4lnLY0BsbpW7WNnwpNX6XneqstBawyQtTsGoOEiImDJkN8mNjxkVHC90zR7uL0KEelWhkWKK_WfQhKT1HGCuo8NsiIa-vPJiRbxwLRdQ1AK5rcM0oqc9afD8wJHEBBejLan3I=" target=_blank linktype="link" track="on"><FONT color=#0000ff>here</FONT></A><FONT color=#0000ff>.</FONT></DIV></FONT></DIV></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>50/50 Mortgages</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK20" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Creating Legal Apartments</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK22" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Rate Drops After Approval</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.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.BLOCK24" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>"Kill A Watt"</FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK19" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>MoneySense </FONT></A></TD></TR> <TR> <TD align=left width="100%"><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" href="#LETTER.BLOCK23" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif" face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=2>Homestars</FONT></A></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK16> <TABLE id=content_LETTER.BLOCK16 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; 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PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#000000"><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7xSRv5654K4Pg8F1xMyWEoxxsoo_EMWupcuxezj6JWvXDdq2v6QS2Hr_UE5CLvrs1p-3RTKhra-Q8iJDRQsgKYIZ7oB7alVX8Ar3O3nIaRaOEuUpnXii-Wr5_4AWwRtQFgfdju8E7JFRgh49xtQl7ipAMfWGU_H6pJYYVAC5W3qXg==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=4><STRONG>"Kill A Watt"</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT color=#003082> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif"><IMG contentEditable=false height=173 alt="Kill a Watt" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/54.jpg?a=1102590587889" width=135 align=left border=0 name=ACCOUNT.IMAGE.54>&nbsp;</IMG></FONT></DIV> <DIV>&nbsp;</DIV> <P>&nbsp;</P> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>The cost of running your home seems to just keep going up, and electricity prices&nbsp;are no exception.&nbsp;&nbsp; </DIV> <DIV>&nbsp;</DIV> <DIV>Now there is a handy new gadget that will allow you to monitor your appliances and see just how much they are costing you.</DIV> <DIV>&nbsp;</DIV> <DIV>To find out more about the "Kill A Watt", click <A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7xSRv5654K4Pg8F1xMyWEoxxsoo_EMWupcuxezj6JWvXDdq2v6QS2Hr_UE5CLvrs1p-3RTKhra-Q8iJDRQsgKYIZ7oB7alVX8Ar3O3nIaRaOEuUpnXii-Wr5_4AWwRtQFgfdju8E7JFRgh49xtQl7ipAMfWGU_H6pJYYVAC5W3qXg==" target=_blank linktype="link" track="on"><FONT color=#0000ff>here</FONT></A>.</DIV> <DIV>&nbsp;</DIV> <DIV>To buy your own "Kill A Watt" monitor, visit <A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7zNsCM_l9ZCBPBemskzGUPFFFA_SYaZmXwE4n_LHSpVEHU133Q5Ax6jkDUicaNc4L9G8brZ2h2r_gTymk-f7iwfWQnraHaGhyRo8h736b4sIfmfoz8CRKYpv5hTDzQTcZWG5YE_yBHaqg==" target=_blank linktype="link" track="on"><FONT color=#0000ff>GreenGadgets.ca</FONT></A>.</DIV></FONT></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.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=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7yhhy-uqZI6nn5iSyo7IBRwfwC4XkVoWpr314jZR1IKLkjLvTeaM9ESqvVzZzMFvCZqUavqlXGYz1zqiUiHHuOmsxsC6H4NQouk6wzLY-tZ_XbVg5gbI8xZYZx5nd0ZumDaOcnjv8u01UQCpmTAvur2VCMTjwQ0-0BTzBl0I15N_-a0nQhKTF7t_Hfuyh8wlJ8jpUPF-boulAOZV_60lGhO" target=_blank linktype="link" track="on"><FONT color=#003082>MoneySense</FONT></A></EM></U></B></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%" color="#666666"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7yhhy-uqZI6nn5iSyo7IBRwfwC4XkVoWpr314jZR1IKLkjLvTeaM9ESqvVzZzMFvCZqUavqlXGYz1zqiUiHHuOmsxsC6H4NQouk6wzLY-tZ_XbVg5gbI8xZYZx5nd0ZumDaOcnjv8u01UQCpmTAvur2VCMTjwQ0-0BTzBl0I15N_-a0nQhKTF7t_Hfuyh8wlJ8jpUPF-boulAOZV_60lGhO" target=_blank track="on"><IMG contentEditable=false height=210 alt="MoneySense Magazine" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/21.jpg?a=1102590587889" width=171 align=left border=0 name=ACCOUNT.IMAGE.21></A>In today's economy everyone could use some sound financial advice, from&nbsp;investment and money management news to&nbsp;tips and guides.&nbsp;"Every issue of <EM>MoneySense </EM>is filled with hundreds of insights, strategies, tips and ideas to help you achieve your financial freedom!"&nbsp;&nbsp;<BR><BR>Give the gift of good service and help your friends, family and co-workers with their money sense.&nbsp;&nbsp; <BR>&nbsp;<BR>When you make a referral we will present you and our new client with a complimentary&nbsp;one-year subscription to <EM>MoneySense</EM>, Canada's best-selling personal investment and lifestyle magazine.</FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK23> <TABLE id=content_LETTER.BLOCK23 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7wmnmr4FSwg1Nsak_qp_OXyXQI3qIeu5bEdz6UIWc4f4gJrTFI-SKWFNsXVavl_-qYgAOB5HbDhMbbQKMD7xVkH_-TY67uKRKXJpLG4_90PvMT_kHF6coCQ" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Homestars</STRONG></FONT></A></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2> <DIV><FONT color=#003082><IMG contentEditable=false height=118 alt=homestars src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/40.jpg?a=1102590587889" width=225 align=right border=0 name=ACCOUNT.IMAGE.40>Summer is here with perfect home renovation weather. If you are the handy type, going the DIY route may be your choice; if not, hiring someone to do the job for you can be a scary proposition.&nbsp; How do you know you are hiring a reputable and responsible contractor? You may not, until it's too late!&nbsp; </IMG></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>Help is only a click away.&nbsp; Whether you are doing it yourself or hiring a contractor, check out </FONT><A href="http://rs6.net/tn.jsp?et=1102590587889&amp;s=3&amp;e=001YYQJoLzLM7wmnmr4FSwg1Nsak_qp_OXyXQI3qIeu5bEdz6UIWc4f4gJrTFI-SKWFNsXVavl_-qYgAOB5HbDhMbbQKMD7xVkH_-TY67uKRKXJpLG4_90PvMT_kHF6coCQ" target=_blank linktype="link" track="on"><FONT color=#0000ff>Homestars.com</FONT></A>&nbsp;<FONT color=#003082>before you start your project.&nbsp;With customer reviews on 1,349 renovators, retailers and repairmen, you will find "Who to hire, where to buy and who to avoid".&nbsp;&nbsp;</FONT></DIV></FONT></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=3 height=38></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff" width="100%" bgColor=#ffffff colSpan=3> <TABLE id=content_LETTER.BLOCK13 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2> <DIV> <DIV> <DIV> <DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>We hope you enjoyed this month's newsletter - we would love to hear what you think!&nbsp;&nbsp;</STRONG></FONT></DIV><BR><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Sincerely,&nbsp;<BR>&nbsp;</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Scott Gillis, AMP&nbsp; </STRONG></FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Accredited Mortgage Professional <DIV>License #M08009463&nbsp;</DIV></STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Oriana Financial&nbsp;- The Gillis Group <DIV></STRONG></FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG><A href="mailto:scott@gillisgroup.ca" target=_blank>scott@gillisgroup.ca</A></STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Tel/Fax: 416.440.0338 x1</STRONG></FONT></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082></FONT>&nbsp;</DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>Referrals are the foundation of my business.&nbsp;&nbsp; If I have provided superior service to you, please refer your co-workers, family, friends and neighbours.&nbsp; I promise to give them the same high level of service.</STRONG>&nbsp;&nbsp; <DIV>&nbsp;</DIV> <DIV> <DIV> <DIV><FONT size=1>Oriana Financial Group of Canada Ltd. <DIV>License #10214&nbsp;</DIV></FONT></DIV> <DIV><FONT size=1>34-4300 Steeles Avenue West</FONT></DIV> <DIV><FONT size=1>Vaughan, Ontario&nbsp; L4L 4C2</FONT></DIV> <DIV><FONT size=1>&nbsp;</FONT><FONT size=1>"! 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