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 6.00.6000.16890" 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=1102682555980" 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;September&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=218 alt="Fall house" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/56.jpg?a=1102682555980" width=291 border=0 name=ACCOUNT.IMAGE.56></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=1102682555980" 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.BLOCK27> <TABLE id=content_LETTER.BLOCK27 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=1102682555980&amp;s=3&amp;e=001hqty6u0OSEbP7YMfKloTrmxmDA0qdv0Tkc8mcfUgH5UhsBavyX1d8xFZN9ssRcYSTlzLulY0r5Qn9d1rmyKIQH6GYp7i8LxpwLq5V6sWhHLIpmXdijyJkUY_8vTCvkkenMC-p84d0yudK0oQI62uXiDZL7L3HGasBjgBek7LrzPTzroSEDuAF7JAsrD4hbkUZ8b3oMdGEAzgV2DWzIi07A==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Low Rates Here to Stay?</FONT></A></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp;<IMG contentEditable=false height=117 alt="Interest rates" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/64.jpg?a=1102682555980" width=157 align=left border=0 name=ACCOUNT.IMAGE.64> <DIV><FONT color=#003082> <DIV>Despite the economy's expected growth this quarter, the Bank of Canada is not expected to raise interest rates until 2011, well past it's original promise to keep&nbsp;the key policy rate&nbsp;unchanged at 0.25%&nbsp;until June 2010.</DIV></FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082> <DIV>&nbsp;</DIV>Rates will likely remain low around the world until economic growth is proven to be sustainable.</FONT></DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>According to Julian Jessop, chief international economist at Capital Economics of London, "It seems more likely that there will be no increases in interest rates in any of the major economies over the next 12 to 18 months."<BR></FONT><BR><FONT color=#003082>For the full story, go to the <A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEbP7YMfKloTrmxmDA0qdv0Tkc8mcfUgH5UhsBavyX1d8xFZN9ssRcYSTlzLulY0r5Qn9d1rmyKIQH6GYp7i8LxpwLq5V6sWhHLIpmXdijyJkUY_8vTCvkkenMC-p84d0yudK0oQI62uXiDZL7L3HGasBjgBek7LrzPTzroSEDuAF7JAsrD4hbkUZ8b3oMdGEAzgV2DWzIi07A==" target=_blank linktype="link" track="on"><FONT color=#0000ff>Canada Mortgage Trends article</FONT></A> and click on the provided links.</FONT></DIV></IMG></FONT></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=1102682555980&amp;s=3&amp;e=001hqty6u0OSEZQFrvMhfMJMqUzT4OKzmr4TIwjzYVuyPNRHlgpMBScI9Iu0sV59m08244jfXsFF_MUovMkySmdelY0nIyH0UqL1ac41sqY8SY=" target=_blank linktype="link" track="on"><FONT color=#003082>U-Box-It</FONT></A><A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEb3p-2Mfx0Bea3jDrX1aOJmGPqAed4hoI1EU_oo0Etv4yohsUN3MBgt1RuTSK4C8HufRSTRIPF000MVQlIqH4e-4jW3DmU06R-K_BAZCEraN5WX5Alm2ahDhd08E-Lw8eG7lUWpramU5ze3UE6NIw3n4vRsGDY35CmeLSX3nJ72fw==" 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; <IMG contentEditable=false height=170 alt="U-Box it" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/58.jpg?a=1102682555980" width=130 align=right border=0 name=ACCOUNT.IMAGE.58> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>It's time to clear that&nbsp;stuff out of your garage;&nbsp;your kitchen needs a new look; you are finally building that dream room in your basement. But the idea of having an unsightly&nbsp;dumpster blocking your driveway or destroying your front lawn doesn't appeal to you.&nbsp;&nbsp;So what do you do with all the junk and garbage? </FONT></DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>&nbsp;&nbsp;&nbsp;</FONT> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><STRONG>U-Box-It</STRONG> has the answer. Their lightweight, durable 1 cubic metre boxes can be purchased at many retail outlets and&nbsp;will fit in&nbsp;any car, van or suv. Assembly takes only&nbsp;minutes and you are ready to go. The&nbsp;containers hold up to 450 kg (1000 lbs) of materials and won't damage your driveway.&nbsp; When you are finished, just call and the box will be picked up from your home.&nbsp;The boxes are made of 100% recycled materials and are 100% recyclable. <DIV>&nbsp;</DIV> <DIV>For complete information, visit&nbsp;<A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEZQFrvMhfMJMqUzT4OKzmr4TIwjzYVuyPNRHlgpMBScI9Iu0sV59m08244jfXsFF_MUovMkySmdelY0nIyH0UqL1ac41sqY8SY=" target=_blank linktype="link" track="on"><FONT color=#0000ff>U-Box-It</FONT></A>.&nbsp;</DIV></FONT></DIV></IMG></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.BLOCK27" 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>Low Rates Here to Stay?</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>U-Box-It</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.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>Environmentaly Friendly Wood Floors</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.BLOCK25" 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>Scotiabank StartRight 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.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; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left width="100%" height=20 color="#cef9fe"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U> <DIV>In the News</DIV></U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV><A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEZ8toObu_1_aLKIL6ZNmuBU87B0mjm93fT5W6i5BUwe_2LvwFrGWYYg-xa7zDBArZ4ryyZc0ltsLA4_Hb65DLArJLgC1F9qXW8t7xOha55i2pM1OjuIljzc_ef6OwKeFBel2M_g0i0S2w==" target=_blank linktype="link" track="on"><FONT color=#003082>CMHC - Housing Market to Rebound</FONT></A></DIV></FONT></FONT></TD></TR></TBODY></TABLE> <TABLE id=content_LETTER.BLOCK8 hideFocus style="MARGIN-BOTTOM: 6px" tabIndex=0 cellSpacing=0 cellPadding=5 width="100%" border=0> <TBODY> <TR> <TD style="PADDING-RIGHT: 2px; PADDING-LEFT: 6px; FONT-SIZE: 14pt; PADDING-BOTTOM: 2px; COLOR: #000000; PADDING-TOP: 2px; FONT-FAMILY: Arial Narrow,Arial MT Condensed Light,sans-serif; BACKGROUND-COLOR: #6699cc" align=left height=20 color="#ffffff"><B><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082><U>Quick Links</U></FONT></B></TD></TR> <TR> <TD style="FONT-SIZE: 8pt; COLOR: #000000; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: none" align=left> <DIV><FONT color=#003082> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEY05HN3W1aQz1OePzrZW_V8LBD-g9zzbUQAu9gDAKKyowjPc9BCCLTZzkO4rH2G_gtqMBqqb4-FQz7nHEhVMlESj1FaxlCaT7kSD88woe3KVa2VlA09TvaRN2WSj8dkIfM=" target=_blank linktype="link" track="on"><FONT color=#003082 size=2> <DIV>The Mortgage Checkup</DIV></FONT></A><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEYlGZ0k4k0meni-_x_K6jc9Vy0rOMKLPZjotoSoSgZmZmWxEhYy9oNJ59a6eAhzxRp0QgtARI8rgYiuH4U6RVV9Y3MZgbNm54Y__J55lBs195aDCn7tz7CDm8wEhCWgFPH_tiOu6cNIoQ==" target=_blank color="#000000" linktype="link" track="on"></DIV></FONT></DIV><FONT color=#003082 size=2>Current Rates &amp; Other Articles</FONT> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEa_2lPPK3aB9JLu9ZImGx0QKZ9g3cFjSiKJD48aKquTa5hqcFp5quwBrFS717_SedFxnjTbOGN0PmT2pSNkS_GsGYbhfSArYkJ-Qdh4x6ju0OTpjXBTrHvjNQXsqPc1qCk=" target=_blank linktype="link" track="on"><FONT color=#003082 size=2><U>Calculators</U></FONT></A></DIV> <DIV><A style="TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEbylEdPsSRi-Dt2pxU7kfnoMN4SQKPJDmmqpMGry2pCKnwskdhNYWzmUWfP4AZDNCfwe9szyk2iko-QVvafm1P_Hl06RTzJo_JVmBaICH7Zy5PTy4zyt3D0YoVuMSZ55cKDWm3co63xmw9gmc--JTBrJVbfX6hOMhkqJ-x3Bq3wdg==" target=_blank linktype="link" track="on"><FONT color=#003082 size=2><U>Your Credit Score</U></FONT></A></DIV> <DIV><A style="FONT-SIZE: 8pt; FONT-FAMILY: Trebuchet MS,Verdana,Helvetica,sans-serif; TEXT-DECORATION: underline" href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEbZPIDUT0gfmzkk2Zbwaz9aUzmQQSrtalou-hTIAaw9HLnw73bBksY9M7JwXNxgyMPlk_BIyh5RnLuloM6mOKOdStSXdUwrCls044wLofiYT-27e1Q8v3X4XTXDt73eK0I=" target=_blank color="#000000" linktype="link" track="on"><FONT color=#003082 size=2><U>First Time Homebuyer</U></FONT></A></DIV> <DIV><A style="FONT-SIZE: 8pt; 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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"> <P align=center><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" size=4><STRONG><A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEb45WpXb1nqODEJ8toDXe8tZIcF9VzM-jawzNxVb5cCaWHzzRF6POO-LysttHM9RR4coN6bGxd1fzv622iBVpcfifw0-8ivG2mIwZbmrdvKnrucLW09dLqFbmgaIjFrEz9rIWmgpJr4pVjPKtf7158PJzzHoo9upwqzuVtOFAs5yBhskJoRjgs_UXInrJTZ9xsCDpURwMjxFB3jwtuBQALZVtPbTYAoBjhigvlJd1ojBnBsmgGisw3W" target=_blank linktype="link" track="on"><FONT color=#003082>Environmentally Friendly Wood Floors</FONT></A><A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEaKu9i72BtBnNnt_Qm3owO1poIRterV9486FrDtVrKoGnrEP7cl8-PASSyoHispD-ncDwHYek8gvJw44GDu_pop2F8Abs7RMcqwvaNthweNJbDytJ0mjU1FEWvL1MkFpn82fa2Qw5XT-7c1neThDnk3cTEyU6dZYXeWz60YLDkx6g==" target=_blank linktype="link" track="on"></STRONG></FONT></P></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>&nbsp;<IMG contentEditable=false height=146 alt="bamboo flooring" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/62.jpg?a=1102682555980" width=181 border=0 name=ACCOUNT.IMAGE.62></DIV> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV>&nbsp;</DIV>There is an ever-growing emphasis these days on buying environmentally friendly products, but what about wood&nbsp;flooring. Wood is already "green" right?&nbsp; </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>Not necessarily, and buying green isn't as straightforward as you may think.</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>HomeStars gives&nbsp;options to consider as well as questions to ask retailers when you are </FONT><A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEb45WpXb1nqODEJ8toDXe8tZIcF9VzM-jawzNxVb5cCaWHzzRF6POO-LysttHM9RR4coN6bGxd1fzv622iBVpcfifw0-8ivG2mIwZbmrdvKnrucLW09dLqFbmgaIjFrEz9rIWmgpJr4pVjPKtf7158PJzzHoo9upwqzuVtOFAs5yBhskJoRjgs_UXInrJTZ9xsCDpURwMjxFB3jwtuBQALZVtPbTYAoBjhigvlJd1ojBnBsmgGisw3W" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#0000ff>buying new flooring</FONT></A><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>.</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.BLOCK25> <TABLE id=content_LETTER.BLOCK25 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=1102682555980&amp;s=3&amp;e=001hqty6u0OSEauN4R5oq3ZUghFIN62W7WQaV1vgjsq_KsOyzYo9Ag7IYreWAAEB7V5ytTwWKbdP3ADHZbQWT_m7VUeqp9glXd2G9SLkRpLkXiKQZLtn7p2D4dk3Q5WJkammLMnu6cwNThFwVcsusPhAw==" target=_blank linktype="link" track="on"><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082> <DIV>Scotiabank StartRight Program</DIV></FONT></A></B></TD></TR> <TR> <TD style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" vAlign=top align=left width="100%"><FONT style="FONT-SIZE: 10pt; COLOR: #666666; FONT-FAMILY: Arial,Helvetica,sans-serif" face=Arial,Helvetica,sans-serif color=#666666 size=2>&nbsp;&nbsp;&nbsp; <IMG contentEditable=false height=103 alt=StartRight src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/59.jpg?a=1102682555980" width=193 align=left border=0 name=ACCOUNT.IMAGE.59> <DIV><FONT face="Trebuchet MS,Verdana,Helvetica,sans-serif" color=#003082>Moving to a new country is&nbsp;very exciting but there can be challenges when it comes to establishing your finances. </FONT></DIV> <DIV> <DIV>&nbsp;<FONT color=#003082>&nbsp;</FONT></DIV> <DIV><FONT color=#003082>Scotiabank can help you get started with their comprehensive StartRight banking program.&nbsp; They offer no-fee banking, a no-fee VISA, a free small&nbsp;safety deposit box for one year, and more. </FONT> <DIV>&nbsp;</DIV></DIV></DIV> <DIV><FONT color=#003082>If you are new to Canada or know someone who is, check out the full details on Scotiabank's</FONT> <A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEauN4R5oq3ZUghFIN62W7WQaV1vgjsq_KsOyzYo9Ag7IYreWAAEB7V5ytTwWKbdP3ADHZbQWT_m7VUeqp9glXd2G9SLkRpLkXiKQZLtn7p2D4dk3Q5WJkammLMnu6cwNThFwVcsusPhAw==" target=_blank linktype="link" track="on"><FONT color=#0000ff>StartRight web site</FONT></A>.</DIV> <DIV>&nbsp;</DIV> <DIV><FONT color=#003082>For personal assistance, call us...we are here to help new Canadians!</FONT></DIV></IMG></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><A href="http://rs6.net/tn.jsp?et=1102682555980&amp;s=3&amp;e=001hqty6u0OSEZGaPS_uopYjxpE_zVdG8z86Ok178WYJ43GSxxb44kZdHhzVpK4O6r7dZX9K63_Tf4gPHsy07UIEVgFfZ13zBqRs05Muet_039yq7sW5EifV2aRhPLDjmNZmCP0SueRYefiYVTjtLKOSrlP61pbjS8dIQqNhf31tkKffCp58VuCJmKXkSUfzFDH16WKNeVUMDI1MbCtAYLYOmo3lNlf5iJw" 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=1102682555980&amp;s=3&amp;e=001hqty6u0OSEZGaPS_uopYjxpE_zVdG8z86Ok178WYJ43GSxxb44kZdHhzVpK4O6r7dZX9K63_Tf4gPHsy07UIEVgFfZ13zBqRs05Muet_039yq7sW5EifV2aRhPLDjmNZmCP0SueRYefiYVTjtLKOSrlP61pbjS8dIQqNhf31tkKffCp58VuCJmKXkSUfzFDH16WKNeVUMDI1MbCtAYLYOmo3lNlf5iJw" target=_blank track="on"><IMG contentEditable=false height=210 alt="MoneySense Magazine" src="http://origin.ih.constantcontact.com/fs022/1101584452304/img/21.jpg?a=1102682555980" 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=1102682555980&amp;s=3&amp;e=001hqty6u0OSEYV-p5aqgW-iAIWWYXL29xhDpzdoKe2wX6yTV2f46Mt3U2G3kIxHmzayYJGXjCrivm-X_oEksUWpl5zcnhT94Knng89YZx8CSCbyRIO-vwvUHaCTp8Gb-CK" 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=1102682555980" 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=1102682555980&amp;s=3&amp;e=001hqty6u0OSEYV-p5aqgW-iAIWWYXL29xhDpzdoKe2wX6yTV2f46Mt3U2G3kIxHmzayYJGXjCrivm-X_oEksUWpl5zcnhT94Knng89YZx8CSCbyRIO-vwvUHaCTp8Gb-CK" 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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