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 6.00.6000.16915" 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 style="BACKGROUND-COLOR: #ffffff" tabIndex=0 cellSpacing=0 cellPadding=0 width="100%" bgColor=#ffffff border=0> <TBODY> <TR> <TD align=middle><IMG contentEditable=false height=67 alt="new oriana logo" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/60.png?a=1102751379949" width=352 border=0 name=ACCOUNT.IMAGE.60></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;October&nbsp;&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=228 alt="Fall house" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/65.jpg?a=1102751379949" width=304 border=0 name=ACCOUNT.IMAGE.65></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"><A shape=rect name=MoneySense><IMG title=MoneySense contentEditable=false alt=MoneySense src="http://img.constantcontact.com/ui/images1/s.gif"></A>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=1102751379949" 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> <DIV>Buying and owning a home is exciting but can also be confusing and overwhelming.</DIV> <DIV>&nbsp;</DIV>Our goal is to make&nbsp;your life easier by keeping you informed about&nbsp;the latest mortgage-related issues&nbsp;and by&nbsp;providing you with valuable information on&nbsp;topics that are relevant to homeowners.&nbsp;</FONT><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>We hope you find it interesting and informative. </FONT></DIV> <DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>And remember, I'm never too busy for your referrals.&nbsp;Check out our amazing </FONT><EM><A href="#Money" shape=rect>MoneySense referral offer</A></EM>.</DIV></DIV> <DIV><FONT 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.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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_HjhDRYSwy20L6hHe13XrqbsXQGt_15sWugcsbK8yni92rD54ChUsSgRzVa5PCpcX5DJn35lCg1w2RlV5oJwYRvdK9Fpu9v8NOrcAVTFmprnk83QSByfK1x1Q_sHaDmRMt2irMJlE43LtCvxwwQsvEkvUTf88cUnSjt0dJkTcyx5gAdq8S-9iFOM3ocTFXQ_P6rzyfdGqe-pX-cL7sirn5P" target=_blank shape=rect linktype="link" track="on"><FONT color=#003082>Fixed or Variable?</FONT></A><A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_ENJumpPxmtwmJIYBLvd3kWQ_VF7f0jygfkB7XhJL_8dhEIBe9LDQHbroWbme-3g7HlsO-WqpYz9diLGDP7oC0eVAx1qK9Fvtdu3hCpQ8Reih7QzMo8wtqTjZV7v6WMlfgLc220u_c15lxM2RlF-Zhle3evXjJ6pheOji-BwEgPOQ==" target=_blank shape=rect 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 color=#003082><FONT color=#003082><IMG contentEditable=false height=167 alt="interest dice" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/72.jpg?a=1102751379949" width=144 align=right border=0 name=ACCOUNT.IMAGE.72>This is&nbsp;a question that is on the mind of&nbsp;everyone who buys a new home or who refinances their current mortgage. And for every situation there will be a&nbsp;different "right" answer. <DIV>&nbsp;</DIV></IMG></FONT> <DIV>Deciding on whether to go with fixed or variable is actually only one part of the equation.&nbsp;What about open&nbsp;vs closed, short term vs&nbsp;long term?&nbsp; </DIV> <DIV>&nbsp;</DIV> <DIV>Canadian Mortgage Trends addresses these questions in several articles: <A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_F_0HHodHPFoL9hoE4ytSddvbSy9ZYArgILjq8bKc6MGJG0YMfgz0GenYZHRuzBO557DXJch0yTo-JVwSZMOesNqWLukWSoIBtadK6Tp0cPGadJD9R0Q3hhVQ6yU2o6IcDkywq-y2pNTZNJszVlqn1IIFTAnScECVHUiLzYF6PrUj2TLCqFwJ1lmDAT647LgJK27k8v-soocZ7L-1NRYD3j" target=_blank shape=rect linktype="link" track="on"><FONT color=#0000ff>Open vs Closed Variables</FONT></A>, <A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_G4-k7WBnIJ_drrD-RP_WG3wD6PnEqtsJJPTv0uaibZjQaeXtXTNmVR2ulrcC9HHaYI_UTPjy2ByBUTJZXN6Fie3yz14vce1944rrldChXLF_7BsvSzhjgfDQaiQ7rdHxZLsEqaqu6apNjTWT7NCsQ_RumtepZ-1Ee2lMAL8CXX8p_Plas4oABPRlTeY7wa0DfOmM6jQFO3Og==" target=_blank shape=rect linktype="link" track="on"><FONT color=#0000ff>1-Year or Variable?</FONT></A>&nbsp;and <A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_HjhDRYSwy20L6hHe13XrqbsXQGt_15sWugcsbK8yni92rD54ChUsSgRzVa5PCpcX5DJn35lCg1w2RlV5oJwYRvdK9Fpu9v8NOrcAVTFmprnk83QSByfK1x1Q_sHaDmRMt2irMJlE43LtCvxwwQsvEkvUTf88cUnSjt0dJkTcyx5gAdq8S-9iFOM3ocTFXQ_P6rzyfdGqe-pX-cL7sirn5P" target=_blank shape=rect linktype="link" track="on"><FONT color=#0000ff>Milevsky on Fixed Rates</FONT></A>.</DIV> <DIV>&nbsp;</DIV> <DIV>Still have questions?&nbsp; Call today and let me help you decide on the combination that&nbsp;best suits your individual needs.</DIV></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK28> <TABLE id=content_LETTER.BLOCK28 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_FBKdo5PTt2Vm3zYmkFnXTKN1Fb5gZWQ9pLxWyQmG1LKF32NaPh-72XhHSxdYCedhnyCjOckJ3qF8kuuZQ-pp3xFDywcAFken__uxRYkw648p8mzF-vNjc1xoRtr1mSlfIhnEpCsxhkqL9PCIXHp_0cbpWLrs3UBz8jBySJhuzqWT925JGY-lP1L-skF1jRjnQkVdcnNX6KA8qLdpUk04pe" target=_blank shape=rect linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=4><STRONG>Energy-Efficient Housing Program</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>&nbsp;</DIV> <DIV><IMG contentEditable=false height=95 alt="genworth logo" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/70.gif?a=1102751379949" width=146 align=left border=0 name=ACCOUNT.IMAGE.70><FONT color=#003082>Genworth Financial is&nbsp;a private sector supplier of mortgage Insurance in Canada. They are committed to helping Canadians achieve their homeownership dreams by making mortgages available with less money down and lower interest rates.</FONT> </IMG></DIV> <DIV><FONT color=#003082></FONT>&nbsp;</DIV> <DIV><FONT color=#003082>They have recently introduced&nbsp;the Energy-Efficient Housing Program which provides a 10% refund on Genworth mortgage insurance to homebuyers purchasing or renovating qualifying homes with low down payment&nbsp;mortgages. Buyers are also given access to their Homebuyer Privileges, an on-line discount program for commonly purchased household items such as major appliances, moving services and rentals, home services and more. <DIV>&nbsp;</DIV> <DIV>For complete information,&nbsp;visit Genworth's <A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_FBKdo5PTt2Vm3zYmkFnXTKN1Fb5gZWQ9pLxWyQmG1LKF32NaPh-72XhHSxdYCedhnyCjOckJ3qF8kuuZQ-pp3xFDywcAFken__uxRYkw648p8mzF-vNjc1xoRtr1mSlfIhnEpCsxhkqL9PCIXHp_0cbpWLrs3UBz8jBySJhuzqWT925JGY-lP1L-skF1jRjnQkVdcnNX6KA8qLdpUk04pe" target=_blank shape=rect linktype="link" track="on"><FONT color=#0000ff>Energy-Efficient Housing Program web page</FONT></A>.</DIV></FONT></DIV></FONT></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.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>Fixed or Variable?</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.BLOCK28" 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>Energy-Efficient Housing Program</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.BLOCK9" 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>Our Website</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>Scary Low Rates</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.BLOCK29" 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>Toronto 311</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> <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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_HtR6EB8cZ5gxpbMVYWZh3uh3_kbSCoq-YI4QUXQ32jGHfsh7hYfWoLODmdNueQcdx93M55dpW7SrM3iy4udY_BvdWWBzB3gyBU0ZFc1JmpXzcrqI5kue1-zweG83JYpHA=" target=_blank shape=rect 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_ERg9YR45lJzypvg4c5hDdETt6OGFSKFMtaKbxazUpzLbfCrRCGFeXqrSJRKdrUwyzhWvS6OlhRwf9q_Is8qNdWSsvR5VwBlPMyBCIo-djb-XvOrAMllwWPXu680CB599hk8-kWtA4tEQ==" target=_blank shape=rect 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_F_Ogv6E4wvo1BT2GlaKyWxdsJ2rdNSkq3HH7eSq2P7hOBWa9xetX9kEdEdBNVuhK8l7vRwSGAhxk-e5b33zA7zG84fXC6sGugRLE7Q2CTwkMcIzLkFtjI5EU0aP-5NjNg=" target=_blank shape=rect 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_E_8KugJWosUdj91qPol-G5jNfElVs8Na0zb7a4fGSDTomsUR0TqKvHVASVCsnAXtjBjiwedyH1Og-JqGJ8OI8mnHYTaPh6CPkFyETz8tUL3YiJI792i1n0Mt7_J1sXcu9kB2D48v0APwFsPcdtEpK6dOE8Bh9isByJLShIkWZdCg==" target=_blank shape=rect 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_E-_bPJCC8YwUlcxdNGzzh004PZx1-7b1CpNxDyp64VCehS5u7Zlyf-7IwPhqqfyWLE-zGaDX60Hg8xd_-QD20pDUkpWwmj6WPl695ElS3YtmP0-iEePlcNIhLCFkrRdGU=" target=_blank shape=rect 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; 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<FONT size=3><STRONG>&nbsp;</STRONG></FONT><A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_EvsqPYZVFaVPCebCOpJXuWthdOu_ikcm6JPT8_DW95CVKSNfMjZj1VtK_zxvBfQS0InpB44SPcxbYk9Lgh_eBpBbeUue7QWTX48MsfiEuen6C0_yKy1BdU" target=_blank shape=rect 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: #0000ff; TEXT-DECORATION: underline" href="http://visitor.constantcontact.com/email.jsp?m=1101584452304" target=_blank shape=rect align="center" color="#4cc4fc"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=3>Join our Mailing List!</FONT></B></A><FONT color=#003082>&nbsp;</FONT></FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK24> <TABLE id=content_LETTER.BLOCK24 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"> <P align=center><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" size=4><STRONG><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_FUlSU8xEHHqR2SpxN6ncPq3LBf5uRgkk-xD7RJ7CPr-EtjtqBzmE8pTYLnbaHiWbT4Vu7QcTga46D6jDwPXt8wjmbmxfF7qcWxidBsT0wj80v6qTG4iJITmul4ylmXkqDbp17zAkxUJuW28-RAY1UWtn77Fy9TJaqLv6rO-vxgSUhp-gtxADgPee8DXcWbH9WElhrlf_iro_BmAxQrr7CUCc0kSbyPBBnTiqg9zWpeA_iWL7Hw_MzL" target=_blank shape=rect linktype="link" track="on"><FONT color=#003082><U>Scary</U></FONT></A><FONT color=#003082><U> Low Rates</U></FONT></STRONG></FONT></P></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>&nbsp;<IMG contentEditable=false height=171 alt="scary pumpkin" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/67.jpg?a=1102751379949" width=195 border=0 name=ACCOUNT.IMAGE.67></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV>No trick, rates are a&nbsp;real treat these days!</DIV> <DIV>&nbsp;</DIV> <DIV>Are you considering buying a new home or refinancing your current mortgage? With fixed rates at historical lows and the variable rates dipping back below Prime, now would be an excellent time to do so.</DIV> <DIV>&nbsp;</DIV> <DIV>Call me today to find out how low you can go!</DIV></FONT></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.BLOCK29> <TABLE id=content_LETTER.BLOCK29 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_Ex6H0boxgkM7OmwBuVVGiAwBRKWSxoMmkyJHPpjXYuXiYX6G_DXqV-p5kf1nvnG0rjtG8fuDHETtayUqq_WhdftFSyzdjherZwm0SxzW2ZE2gUVz1MxPoG" target=_blank shape=rect linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082 size=4>Toronto 311</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> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&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;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; <IMG contentEditable=false height=108 alt="Toronto 311" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/73.jpg?a=1102751379949" width=234 align=right border=0 name=ACCOUNT.IMAGE.73> <DIV>"311 is the largest, most exciting customer service improvement undertaken by the City of Toronto since amalgamation. 311 improves accessibility to non-emergency City services and information, and will increase the City's effectiveness in responding to public inquiries."</DIV> <DIV>&nbsp;</DIV> <DIV>Customer service representatives are on call 24 hours a day, 7 days a week to assist with inquiries&nbsp;about a wide range of Toronto services including recreation programs, library services and social assistance.</DIV> <DIV>&nbsp;</DIV> <DIV>For all the information visit the <A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_Ex6H0boxgkM7OmwBuVVGiAwBRKWSxoMmkyJHPpjXYuXiYX6G_DXqV-p5kf1nvnG0rjtG8fuDHETtayUqq_WhdftFSyzdjherZwm0SxzW2ZE2gUVz1MxPoG" target=_blank shape=rect linktype="link" track="on"><FONT color=#0000ff>Toronto 311 website</FONT></A>.</DIV></IMG></FONT></DIV></FONT></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><FONT color=#003082><A shape=rect name=Money><IMG title=Money contentEditable=false alt=Money src="http://img.constantcontact.com/ui/images1/s.gif"></A><A href="http://rs6.net/tn.jsp?et=1102751379949&amp;s=3&amp;e=001wusLRQtVy_G51ruCcd5EOSp6_EpmtBpqIjBHjp3prd1vPl7RdKoI6dLPyFjDWtNYZXnCvD-g6WQdF9Sh0TnVs6DqWBOIqxWvPT8ukpRaQamJYcWj4Q1lNd9Ub5wmKukOzLFR66MbI8uuWj_I5pE-CGN-X4BfvsWUGFvMoo1DrhEOzApKZJnWICjeEtn6QKxi6oCFewAOw3tKSRZE3FqAcQD_6xODOYua" target=_blank shape=rect linktype="link" track="on"><FONT color=#003082>MoneySense</FONT></A></FONT></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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_G51ruCcd5EOSp6_EpmtBpqIjBHjp3prd1vPl7RdKoI6dLPyFjDWtNYZXnCvD-g6WQdF9Sh0TnVs6DqWBOIqxWvPT8ukpRaQamJYcWj4Q1lNd9Ub5wmKukOzLFR66MbI8uuWj_I5pE-CGN-X4BfvsWUGFvMoo1DrhEOzApKZJnWICjeEtn6QKxi6oCFewAOw3tKSRZE3FqAcQD_6xODOYua" target=_blank shape=rect track="on"><FONT color=#003082><IMG contentEditable=false height=210 alt="MoneySense Magazine" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/21.jpg?a=1102751379949" width=171 align=left border=0 name=ACCOUNT.IMAGE.21></FONT></A>In today's economy everyone could use some sound financial advice, from&nbsp;investment and money management news to&nbsp;tips and guides.&nbsp;"Every issue of <EM>MoneySense </EM>is filled with hundreds of insights, strategies, tips and ideas to help you achieve your financial freedom!"&nbsp;&nbsp;<BR><BR>Give the gift of good service and help your friends, family and co-workers with their money sense.&nbsp;&nbsp; <BR>&nbsp;<BR>When you make a referral we will present you and our new client with a complimentary&nbsp;one-year subscription to <EM>MoneySense</EM>, Canada's best-selling personal investment and lifestyle magazine.</FONT></TD></TR></TBODY></TABLE><A name=LETTER.BLOCK23> <TABLE 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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_GeX8vBcOLUtzTI3CU1U5tfz1DprvX4RvDGEIRpZqVHEXmD6ybsFSixI_JABtrFOuvbeeqyR8TstBaIva2LGStJz0cVJDuOL1tP1hIwB9muWYEJfYjXQUEk" target=_blank shape=rect 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=1102751379949" width=225 align=right border=0 name=ACCOUNT.IMAGE.40>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=1102751379949&amp;s=3&amp;e=001wusLRQtVy_GeX8vBcOLUtzTI3CU1U5tfz1DprvX4RvDGEIRpZqVHEXmD6ybsFSixI_JABtrFOuvbeeqyR8TstBaIva2LGStJz0cVJDuOL1tP1hIwB9muWYEJfYjXQUEk" target=_blank shape=rect 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 shape=rect>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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