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 6.00.6000.16735" name=GENERATOR></HEAD> <BODY leftMargin=0 topMargin=0 rightMargin=0><!--Copyright (c) 1996-2008 Constant Contact. All rights reserved. Except as permitted under a separate written agreement with Constant Contact, neither the Constant Contact software, nor any content that appears on any Constant Contact site, including but not limited to, web pages, newsletters, or templates may be reproduced, republished, repurposed, or distributed without the prior written permission of Constant Contact. For inquiries regarding reproduction or distribution of any Constant Contact material, please contact legal@constantcontact.com.--> <DIV id=rootDiv style="MARGIN: 0px; OVERFLOW: auto; BACKGROUND-COLOR: #004a8d" align=center bgcolor="#004A8D"> <TABLE style="WIDTH: 600px" cellSpacing=0 cellPadding=1 width=600 border=0> <TBODY> <TR> <TD width="100%" colSpan=2> <TABLE id=content_LETTER.BLOCK1 hideFocus style="BACKGROUND-COLOR: #004a8d" tabIndex=0 cellSpacing=0 cellPadding=10 width="100%" bgColor=#004a8d border=0> <TBODY> <TR> <TD vAlign=bottom align=middle><SPAN><IMG contentEditable=false alt="Oriana/Gillis Group header" src="http://ih.constantcontact.com/fs022/1101584452304/img/14.gif?a=1102210995670" border=0 name=ACCOUNT.IMAGE.14></SPAN></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #4c3f36" bgColor=#4c3f36> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=2 height=6></TD> <TR> <TD style="BACKGROUND-COLOR: #004a8d" width="100%" bgColor=#004a8d colSpan=2 height=50> <TABLE id=content_LETTER.BLOCK2 hideFocus tabIndex=0 cellSpacing=0 cellPadding=15 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #ffffff; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left width="73%"><FONT style="FONT-SIZE: 14pt; COLOR: #ffffff; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ffffff size=4>The Gillis Group -&nbsp; Homeowner News</FONT></TD> <TD align=middle width="27%"> <TABLE cellSpacing=0 cellPadding=0 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #d4dde6; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #d4dde6; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#d4dde6 size=1></FONT> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=1><FONT size=4>October&nbsp;2008</FONT></FONT></TD></TR></FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #6699cc" bgColor=#6699cc colSpan=2 height=6></TD> <TR> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top bgColor=#ffffff> <TABLE cellSpacing=0 cellPadding=7 width="100%" border=0> <TBODY> <TR> <TD style="WIDTH: 440px" width=440> <TABLE id=content_LETTER.BLOCK3 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT size=2><B>Dear Scott,</B> <DIV>&nbsp;</DIV>Welcome to the&nbsp;Gillis Group e-Newsletter!&nbsp;&nbsp;We hope you will find it interesting. <DIV>&nbsp;</DIV> <DIV>Our aim is to provide&nbsp;valuable information about issues relevant to homeowners - not to simply talk about mortgages!</DIV> <DIV>&nbsp;</DIV>You may unsubscribe at any time by following the unsubscribe link at the bottom of each email.&nbsp;</FONT></FONT></TD></TR></TBODY></TABLE> <TABLE style="MARGIN-BOTTOM: 10px" cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" vAlign=top width="100%" bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4>In This Issue </FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK20" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>MPAC - Municipal Property Assessment Corporation</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK19" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Your Roof</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK18" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Interac Email Money Transfers</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK9" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Time For a Check Up?</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK13" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>Ask the Expert</FONT></A></B></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-TOP: 10px" width="100%"><B><A style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" href="#LETTER.BLOCK21" shape=rect><FONT style="FONT-SIZE: 10pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=2>In the News</FONT></A></B></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK20> <TABLE id=content_LETTER.BLOCK20 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.mpac.ca%2F&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#003082>MPAC - Municipal Property Assessment Corporation </FONT></A></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1>&nbsp; <DIV>&nbsp;</DIV><FONT size=2>On September 15, MPAC started sending out&nbsp;a 2008 Property Assessment Notice to every property owner in Ontario.&nbsp; Your 2008 Property Assessment Notice shows the assessed value of your property based on a January 1, 2008 valuation date.&nbsp; The last province-wide assessment update took place three years ago and was based on a January 1, 2005 valuation date.&nbsp; </FONT> <DIV> <DIV><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>When your municipality/local taxing authority sets property tax rates, your assessed value is used to determine your property taxes.&nbsp; An assessment increase does not necessarily mean that your property taxes will increase.<BR><BR>To find the answers to common&nbsp;questions, click </FONT><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.mpac.ca%2Fpages_english%2Fproperty_owners%2Fquestions_and_answers.asp&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>here</FONT></A><FONT size=2>.</FONT></DIV></DIV> <DIV><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>A <A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.mpac.ca%2Fvideo%2Fnotice%2Fmpac_notice.html&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#0000ff>sample assessment</FONT></A> will help you familiarize yourself with the 2008 Property Assessment Notice.</FONT></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK19> <TABLE id=content_LETTER.BLOCK19 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fholmesonhomes.com%2Ftips_and_tricks_details.php%3Fid%3D95&amp;id=preview" target=_blank linktype="link" track="on"><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4>Your Roof</FONT></A></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1>&nbsp; <DIV><FONT size=2>If your house is still dry after all the rain we had this summer, then your roof is probably doing a pretty good job!&nbsp; But don't get too comfortable.&nbsp; Your roof will need maintenance at some point during it's lifetime.</FONT></DIV> <DIV><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>With the wind, snow and ice of winter fast approaching, now is a good time to give your roof the once-over.&nbsp; But before you embark on any repairs, read the </FONT><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fholmesonhomes.com%2Ftips_and_tricks_details.php%3Fid%3D95&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>tips and advice</FONT></A><FONT size=2> from professional home renovation expert, Mike Holmes.</FONT></DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK18> <TABLE id=content_LETTER.BLOCK18 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.interac.ca%2Fconsumers%2Fproductsandservices_ol_emt.php&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#003082><EM>Interac</EM> Email Money Transfers</FONT></A></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT color=#003082>&nbsp;</FONT> <DIV><FONT color=#003082 size=2>Tired of writing cheques, searching for stamps and finding a&nbsp;mail box? There has to be an easier, more efficient&nbsp;way to send money. <DIV>&nbsp;</DIV> <DIV>Well, there is! <EM>Interac</EM> email money transfers will make your life&nbsp;much easier.&nbsp; All you need is an email account and access to online banking.</DIV> <DIV>&nbsp;</DIV> <DIV>Read <A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.interac.ca%2Fconsumers%2Fproductsandservices_ol_emt.php&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#0000ff>here</FONT></A> to see just how easy, convenient and secure&nbsp;<EM>Interac</EM> email money transfers really are.</DIV></FONT></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK8 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=10 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1> <DIV> <DIV><FONT size=2><STRONG> <DIV>We hope you enjoyed this month's newsletter - we would love to hear what you think!&nbsp;&nbsp;</DIV></STRONG></FONT><STRONG><FONT size=2> <DIV>&nbsp;</DIV>Sincerely, </FONT></STRONG></DIV></DIV> <DIV><STRONG> <DIV>&nbsp;</DIV> <DIV></STRONG><SPAN><STRONG><FONT size=3>Scott Gillis, AMP&nbsp; <DIV><FONT size=2>Accredited Mortgage Professional</FONT></DIV> <DIV></FONT><FONT size=2>Oriana Financial&nbsp;- The Gillis Group <DIV><A href="mailto:scott@gillisgroup.ca" target=_blank><FONT color=#003082>scott@gillisgroup.ca</FONT></A></DIV> <DIV>416.440.0338 x1</DIV> <DIV></FONT></STRONG></SPAN>&nbsp;</DIV> <DIV><STRONG>Referrals are the foundation of my business.&nbsp;&nbsp; If I have provided superior service to you, please refer your co-workers, family, friends and neighbours.&nbsp; I promise to give them the same high level of service.&nbsp; </STRONG></DIV></FONT></DIV></DIV></DIV></TD></TR></TBODY></TABLE></A></TD></TR> <TR> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top width="100%" bgColor=#ffffff></TD></TR></TBODY></TABLE></TD> <TD style="BACKGROUND-COLOR: #ffffff" vAlign=top bgColor=#ffffff> <TABLE style="WIDTH: 160px" cellSpacing=0 cellPadding=0 width=160 border=0> <TBODY> <TR> <TD vAlign=top width="100%"><A name=LETTER.BLOCK9> <TABLE id=content_LETTER.BLOCK9 hideFocus style="MARGIN-BOTTOM: 10px; BACKGROUND-COLOR: #d4dde6" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" bgColor=#d4dde6 border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #003082" align=middle bgColor=#003082><FONT style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=2> <P align=center><STRONG><FONT size=3>Time For A Checkup?</FONT></STRONG></P></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2F&amp;id=preview" target=_blank> <P align=center><IMG contentEditable=false height=198 alt="Scott Gillis" hspace=5 src="http://ih.constantcontact.com/fs022/1101584452304/img/2.jpg?a=1102210995670" width=133 vspace=5 border=0 name=ACCOUNT.IMAGE.2></P></A></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1> <DIV>&nbsp;<FONT size=2>Your mortgage is in place - nothing to think about until it renews, right? Maybe, maybe not.&nbsp; <DIV></FONT><FONT size=2></FONT>&nbsp;</DIV> <DIV><FONT size=2>Are you thinking about buying a vacation or investment property?&nbsp; <DIV>Does your home need renovations or remodeling?&nbsp;</DIV> <DIV>Do you need a bigger home for your growing family?</DIV>Do you have children going to college or university?</FONT></DIV> <DIV><FONT size=2>Do you need&nbsp;to consolidate your credit card debt?&nbsp; <DIV>&nbsp;</DIV> <DIV>Life&nbsp;has a way of happening!&nbsp;</DIV></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT size=2>Call me at <STRONG>416-440-0338 x1</STRONG> to schedule a checkup...for the health of your mortgage!</FONT></DIV></FONT></DIV></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK11 hideFocus style="MARGIN-BOTTOM: 10px; BACKGROUND-COLOR: #d4dde6" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" bgColor=#d4dde6 border=0> <TBODY> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #003082" vAlign=center align=middle width="100%" bgColor=#003082 color="#ededed"><FONT style="FONT-SIZE: 10pt; COLOR: #ededed; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#ededed size=2><B><FONT color=#003082>Quick Links</FONT></B></FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; FONT-SIZE: 8pt; COLOR: #285685; PADDING-TOP: 10px; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=middle width="100%" color="#285685"><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1> <DIV><B><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FCheckup%2Fcheckup.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>The Mortgage Checkup</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.tuneinrealestate.net%2Flisten%2F%3Fauthor%3D7&amp;id=preview" target=_blank><FONT color=#003082 size=2>My PODCAST</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2Findex.cfm%3Ffa%3Darticle.list&amp;id=preview" target=_blank><FONT color=#003082 size=2>Current rates and other info</FONT></A></B></DIV> <DIV><B><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2Fcalculators.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>Calculators</FONT></A> <DIV><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.cbc.ca%2Fconsumers%2Fmarket%2Ffiles%2Fmoney%2Fcredit%2Fscore.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>Your Credit Score</FONT></A></DIV> <DIV><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FFirsttimehome.html&amp;id=preview" target=_blank><FONT color=#003082 size=2>First Time Homebuyer</FONT></A></DIV> <DIV><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2Findex.cfm%3Ffa%3Dnewsletter.list&amp;id=preview" target=_blank linktype="undefined"><FONT color=#003082 size=2>Newsletter Archive</FONT></A></DIV> <DIV>&nbsp;</DIV></B></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK12 hideFocus style="MARGIN-BOTTOM: 10px; 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BACKGROUND-COLOR: #004a8d" tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" bgColor=#004a8d border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #004a8d" align=middle bgColor=#004a8d><FONT style="FONT-SIZE: 8pt; COLOR: #285685; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#285685 size=1><A href="http://visitor.constantcontact.com/email.jsp?m=1101584452304&amp;id=preview" target=_blank shape=rect> <DIV>&nbsp;</DIV> <DIV><IMG contentEditable=false height=23 alt="Join Our Mailing List" src="http://img.constantcontact.com/letters/images/1101093164665/joml.gif" width=122 vspace=5 border=0></DIV></A>&nbsp;</FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK13> <TABLE id=content_LETTER.BLOCK13 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4><U><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=4> <DIV>&nbsp;Ask the Expert</DIV></FONT></U></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1> <P align=center> <DIV> <DIV> <DIV><FONT color=#003082> <DIV>&nbsp;</DIV> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2><STRONG>Question: <DIV>&nbsp;</DIV> <DIV></STRONG></FONT></DIV></FONT></DIV> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2> <DIV>About two years ago I realized that I had been a victim of identity theft and had a fraud alert placed on my credit file. How do I get it removed?&nbsp;<BR>&nbsp;<BR>Click <A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FAsk%2520the%2520Expert%2520_for%2520newsletter_5.pdf&amp;id=preview" target=_blank linktype="link" track="on">here</A>&nbsp;to read the answer to this month's question. </DIV> <DIV></FONT>&nbsp;</DIV></DIV></DIV> <DIV> <DIV><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif size=2>If you have a question that I can help with, drop me a line any time at </FONT><A href="mailto:scott@gillisgroup.ca" target=_blank><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#0000cc size=2>scott@gillisgroup.ca</FONT></A><FONT face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#0000cc size=2>.</FONT></DIV></DIV> <P></P></FONT></DIV></DIV></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK21> <TABLE id=content_LETTER.BLOCK21 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=2 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; BACKGROUND-COLOR: #d4dde6" align=left bgColor=#d4dde6><FONT style="FONT-SIZE: 14pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=4>In the News</FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1>&nbsp; <DIV><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FMarket%2520healthy%2520not%2520hyper.pdf&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>Market Healthy, Not Hyper</FONT></A></DIV> <DIV>&nbsp;</DIV> <DIV><A href="http://rs6.net/tn.jsp?t=wofkoqcab.0.0.qwszy6bab.0&amp;ts=S0371&amp;p=http%3A%2F%2Fwww.gillisgroup.ca%2FWe%2520did%2520the%2520math%2520-%2520and%2520the%2520numbers%2520look%2520good.pdf&amp;id=preview" target=_blank linktype="link" track="on"><FONT color=#0000ff size=2>We Did the Math - and the numbers look good</FONT></A><FONT color=#0000ff size=2>&nbsp;</FONT></DIV></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK14 hideFocus style="MARGIN-BOTTOM: 10px" tabIndex=0 cellSpacing=0 cellPadding=10 width="100%" border=0> <TBODY> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1><FONT size=1> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>&nbsp;</DIV> <DIV>Oriana Financial Group of Canada Ltd.</DIV></FONT> <DIV><FONT size=1>34-4300 Steeles Avenue West</FONT></DIV> <DIV><FONT size=1>Vaughan, Ontario&nbsp; L4L 4C2</FONT></DIV> <DIV>&nbsp;</DIV> <DIV> <DIV> <DIV align=center> <DIV align=center> <DIV align=left><FONT size=1><FONT color=#003082>"! Trademark of Oriana Financial Group of Canada Ltd.&nbsp;&nbsp; ® Registered trademark of&nbsp;Oriana Financial Group of Canada&nbsp;© 2007,&nbsp;&nbsp;all rights reserved.&nbsp;</FONT></FONT></DIV></DIV></DIV></DIV></DIV></FONT></TD></TR></TBODY></TABLE></A></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD width="100%" height=10> <TABLE id=content_LETTER.BLOCK15 hideFocus style="BORDER-RIGHT: #000000 2px dashed; BORDER-TOP: #000000 2px dashed; MARGIN-TOP: 6px; BORDER-LEFT: #000000 2px dashed; BORDER-BOTTOM: #000000 2px dashed; BACKGROUND-COLOR: #ededed" tabIndex=0 borderColor=#000000 cellSpacing=0 cellPadding=10 width="100%" bgColor=#ededed border=0> <TBODY> <TR> <TD style="FONT-SIZE: 24pt; COLOR: #004a8d; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" vAlign=top align=left><FONT style="FONT-SIZE: 24pt; COLOR: #004a8d; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#004a8d size=6><FONT size=2> <DIV><STRONG><U><FONT size=4>The Holmes Inspection</FONT></U>&nbsp;</STRONG></DIV> <P><STRONG>Do you know anyone who is in the market for a new home? or selling their home? </STRONG></P> <DIV><STRONG>Mike Holmes new book, "The Holmes Inspection", is a must-read for&nbsp;anyone who is considering buying or selling a home.&nbsp; </STRONG></DIV> <DIV><STRONG></STRONG>&nbsp;</DIV> <DIV><STRONG>No one wants surpises when it comes to the largest investment most of us will ever make.</STRONG></DIV> <DIV><STRONG></STRONG>&nbsp;</DIV> <DIV><STRONG>Give the gift of good service and help your friends, family and co-workers avoid surprises. </STRONG><STRONG>When you make a referral we will present our new client with a complimentary copy of "The Holmes Inspection".</STRONG></DIV></FONT></FONT></TD> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" face=Verdana,Geneva,Arial,Helvetica,sans-serif color=#003082 size=1> <DIV><IMG contentEditable=false height=231 alt="Holmes on Homes" src="http://ih.constantcontact.com/fs022/1101584452304/img/20.jpg?a=1102210995670" width=181 border=0 name=ACCOUNT.IMAGE.20></DIV></FONT></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #003082; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif" align=left colSpan=2></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></DIV> <DIV style="BACKGROUND-COLOR: #ffffff" align=center> <TABLE cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD> <DIV style="FONT-WEIGHT: bold; FONT-SIZE: 8pt; PADDING-BOTTOM: 10px; COLOR: #000000; FONT-FAMILY: verdana,arial; BACKGROUND-COLOR: #ffffff"><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1><A href="http://ui.constantcontact.com/sa/fwtf.jsp?m=1101584452304&amp;ea=scott@gillisgroup.ca&amp;a=1102210995670&amp;id=preview&amp;id=preview" target=_blank>Forward email</A></FONT></DIV> <TABLE style="FONT-SIZE: 8pt; WIDTH: 600px; COLOR: #000000; FONT-FAMILY: verdana,arial; BACKGROUND-COLOR: #ffffff" cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1><A href="http://visitor.constantcontact.com/d.jsp?p=un&amp;v=001jyV49J2cwWqUYMwxd8LMUngtQXttojOFL2ptndeBPwWC4U6Ttu7JjF3vL2XrTWjsi0y9CpX2Ix5xpOK0M0-bUxo7RYxKlrIZkdQMdRJhuDtHlhadb32noZ6X2KsED5aH&amp;id=preview.1101584452304&amp;id=preview" target=_blank shape=rect><IMG alt="Safe Unsubscribe" src="http://img.constantcontact.com/letters/images/safe_unsubscribe_logo.gif" border=0></A> <DIV>This email was sent to scott@gillisgroup.ca by <A style="COLOR: #0000ff" href="mailto:scott@gillisgroup.ca" target=_blank shape=rect>scott@gillisgroup.ca</A>.</DIV> <DIV><A style="COLOR: #0000ff" href="http://visitor.constantcontact.com/d.jsp?p=oo&amp;v=001jyV49J2cwWqUYMwxd8LMUngtQXttojOFL2ptndeBPwWC4U6Ttu7JjF3vL2XrTWjsi0y9CpX2Ix5xpOK0M0-bUxo7RYxKlrIZkdQMdRJhuDtHlhadb32noZ6X2KsED5aH&amp;id=preview.1101584452304&amp;id=preview" target=_blank shape=rect>Update Profile/Email Address</A> | Instant removal with <A style="COLOR: #0000ff" href="http://visitor.constantcontact.com/d.jsp?p=un&amp;v=001jyV49J2cwWqUYMwxd8LMUngtQXttojOFL2ptndeBPwWC4U6Ttu7JjF3vL2XrTWjsi0y9CpX2Ix5xpOK0M0-bUxo7RYxKlrIZkdQMdRJhuDtHlhadb32noZ6X2KsED5aH&amp;id=preview.1101584452304&amp;id=preview" target=_blank shape=rect>SafeUnsubscribe</A>"! | <A style="COLOR: #0000ff" href="http://ui.constantcontact.com/roving/CCPrivacyPolicy.jsp?id=preview&amp;id=preview" target=_blank shape=rect>Privacy Policy</A>.</DIV></FONT></TD> <TD><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1> <DIV style="PADDING-BOTTOM: 5px; COLOR: #666666; WORD-WRAP: normal"><A style="COLOR: #666666; TEXT-DECORATION: none" href="http://www.constantcontact.com/index.jsp?pn=boostbusiness&amp;cc=newsVE02&amp;id=preview" target=_blank shape=rect>Email Marketing</A> by</DIV><A href="http://www.constantcontact.com/index.jsp?pn=boostbusiness&amp;cc=newsVE02&amp;id=preview" target=_blank shape=rect><IMG src="http://img.constantcontact.com/letters/images/cc-logo-color-sm.gif" border=0></A> </FONT></TD></TR></TBODY></TABLE> <DIV id=LETTER.PHYSICALADDRESS style="FONT-SIZE: 8pt; COLOR: #000000; PADDING-TOP: 20px; FONT-FAMILY: verdana,arial; BACKGROUND-COLOR: #ffffff" align=left><FONT style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: verdana,arial" face=verdana,arial color=#000000 size=1>Oriana Financial - The Gillis Group | 2359 Queen St. E | Toronto | Ontario | M4E 1H2 | Canada</FONT></DIV></TD></TR></TBODY></TABLE></DIV><BR> <DIV style="COLOR: #ff0000; BACKGROUND-COLOR: #ffffff"><SPAN style="PADDING-RIGHT: 3px; DISPLAY: block; PADDING-LEFT: 25px; FONT-WEIGHT: bold; FONT-SIZE: 11pt; BACKGROUND: url(http://img.constantcontact.com/ui/images1/icon_error.gif) no-repeat; PADDING-BOTTOM: 15px; COLOR: #ff0000; FONT-FAMILY: Arial,Helvetica,sans-serif">THIS IS A TEST EMAIL ONLY.<BR><SPAN style="FONT-WEIGHT: normal; FONT-SIZE: 10pt">This email was sent by the author for the sole purpose of testing a draft message. If you believe you have received the message in error, please contact the author by replying to this message. Constant Contact takes reports of abuse very seriously: if you wish to report abuse, please forward this message to <A href="mailto:abuse@constantcontact.com">abuse@constantcontact.com</A>.</SPAN></SPAN></DIV><BR> <P><FONT size=2>No virus found in this incoming message.<BR>Checked by AVG.<BR>Version: 7.5.549 / Virus Database: 270.8.2/1741 - Release Date: 23-10-2008 07:54<BR></FONT></P></BODY></HTML>