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4 6 4& ") 78 7). B8*,,) ) $., ;8< C 0) 7 8*' 3 9) ;% < 1)?2 :?: 42 %) =?>:%!*? A 7:! ;3! )!- <<<<<<<<<<<<<<<<7 =) 78 7) B8*,,) 5) $., ;8< C >) 7 8*' 3 9) ;% <?)?2 :?: 42 "$) ( D :?:: ::?: / /3 A =?2E.4FE4.> =8 > G 4F % '())*+,),)-

5 3*2 <<[ My Address ]>> <<[ My City ]>>, <<[ My Prov ]>> <<[ My Postal ]>> Tel: <<[ My Bus Phone ]>> Fax: <<[ My Fax ]>> <<[ My ]>> Web: <<[ My Web ]>> <<[ Current Date ]>> <<[ App and CoApp Full Names ]>> <<[ Property Full Address ]>> <<[ Property City ]>>, <<[ Property Prov ]>> <<[ Property Postal ]>> Dear <<[ App and CoApp First Names ]>>: It doesn't seem possible that a whole year has passed since you were here to finance your home. I trust it has been a good year for you. On behalf of everyone at, thank you for choosing us for our services. Along with my promise to keep in touch, I just want to remind you that I am always here to serve your mortgage needs. We are committed to continuing to provide you with the highest level of customer satisfaction possible. If for any reason you have questions or comments, we would be delighted to hear from you. Call our toll-free number, <<[ My Toll-Free Phone ]>>, or send us at <<[ My ]>>. Again, thank you for your patronage. We look forward to serving you. Yours truly, <<[ My Title ]>> <<[ My ]>> "Making home ownership safe and affordable for you, family and friends"

6 89% According to our records yout mortgage is up for renewal next year and it's time to book your mortgage renewal appointment. Please call us today to visit us online at <<[ My Web ]>>. <<[ My Address ]>> <<[ My City ]>> <<[ My Prov ]>> <<[ My Postal ]>> <<[ App and CoApp Full Names ]>> <<[ Property Full Address ]>> <<[ Property City ]>> <<[ Property Prov ]>> <<[ Property Postal ]>>

7 Year 3 Letter <<[ My Address ]>> <<[ My City ]>>, <<[ My Prov ]>> <<[ My Postal ]>> Tel: <<[ My Bus Phone ]>> Fax: <<[ My Fax ]>> <<[ My ]>> Web: <<[ My Web ]>> <<[ Current Date ]>> <<[ App and CoApp Full Names ]>> <<[ Property Full Address ]>> <<[ Property City ]>>, <<[ Property Prov ]>> <<[ Property Postal ]>> Dear <<[ App and CoApp First Names ]>>: It was our great pleasure to service your mortgage needs a few years ago. Once again, thank you for providing us with the opportunity of looking after the financing of your mortgage. Managing one of your largest investments, your mortgage, takes effective strategies that can help work toward reducing your mortgage quickly and safely. We would like to point out some simple strategies that you might be able to take advantage of to help you improve your monthly cash flow or reduce your mortgage quicker. Consider the following: Have you recently received a raise that can be applied to your mortgage payment? Did you receive a tax return that can be applied to your mortgage? Do you need to consolidate outside debt to improve your cash flow? Can you afford $100 more a month in mortgage payments? If any of these questions apply to you please give us a call and we will sit down and work out your financial details. Yours truly, <<[ My Title ]>> <<[ My ]>> "Making home ownership safe and affordable for you, family and friends"

8 7% <<[ My Address ]>> <<[ My City ]>> <<[ My Prov ]>> <<[ My Postal ]>> <<[ My Address ]>> <<[ My City ]>> <<[ My Prov ]>> <<[ My Postal ]>>

9 Over the past couple of months I have been getting in contact with my clients to let them know that the changes in mortgages, lenders and most importantly interest rates can truly save them a large amount of money. One of my clients recently came to visit us and I think her story will help you see what opportunities are available to you. Mary has been a client of mine for 3 years and was in the 3rd year of her mortgage. Mary had $110,000 remaining on her mortgage and had an interest rate of 6%. Mary, like most of us, carries a credit card balance. She had $6000 balance on her credit card. Also Mary's husband, John was planning on renovating their unfinished basement into a rec room. Mary and John came to me to see if there is some way for them to take advantage of the drop in interest rates. I told them "Why yes there is!", and together we worked out the details. We secured their mortgage at an interest rate much lower then they currently had and consolidated Mary's credit card debt as well as included John's renovation loan. The end result improved Mary and John's cash flow by $375/month, a zero credit card balance and a brand new rec room. Mr. Mortgage Broker Mortgage Broker info@incontact.ca Over the past couple of months I have been getting in contact with my clients to let them know that the changes in mortgages, lenders and most importantly interest rates can truly save them a large amount of money. One of my clients recently came to visit us and I think her story will help you see what opportunities are available to you. Mary has been a client of mine for 3 years and was in the 3rd year of her mortgage. Mary had $110,000 remaining on her mortgage and had an interest rate of 6%. Mary, like most of us, carries a credit card balance. She had $6000 balance on her credit card. Also Mary's husband, John was planning on renovating their unfinished basement into a rec room. Mary and John came to me to see if there is some way for them to take advantage of the drop in interest rates. I told them "Why yes there is!", and together we worked out the details. We secured their mortgage at an interest rate much lower then they currently had and consolidated Mary's credit card debt as well as included John's renovation loan. The end result improved Mary and John's cash flow by $375/month, a zero credit card balance and a brand new rec room. Mr. Mortgage Broker Mortgage Broker info@incontact.ca

10 Closing Letter <<[ My Address ]>> <<[ My City ]>>, <<[ My Prov ]>> <<[ My Postal ]>> Tel: <<[ My Bus Phone ]>> Fax: <<[ My Fax ]>> <<[ My ]>> Web: <<[ My Web ]>> <<[ Current Date ]>> <<[ App and CoApp Full Names ]>> <<[ Property Full Address ]>> <<[ Property City ]>>, <<[ Property Prov ]>> <<[ Property Postal ]>> Dear <<[ App and CoApp First Names ]>>: IWow!!! After all of the stress of looking, finding, financing, inspecting, packing and waiting, it's finally yours. Congratulations on the purchase of your new house! Over the next few months and years you will add your touches, converting the house into your new home, making changes here and there, and finally it will become a part of you. As you are aware, the interest rate for your purchase of <<[ Property Full Address ]>>, <<[ Property City ]>>, <<[ Property Prov ]>> was reviewed prior to closing and you received a final rate of <<[ Interest Rate ]>>% with payments being calculated at $<<[ Payment ]>>. Should you ever have any questions, please do not hesitate to contact me and please, tell your friends about at. Your referrals are very important to us. Without them our business simply will not grow. I need more people just like you... your friends and family. Thank you again and congratulations. Yours truly, <<[ My Title ]>> <<[ My ]>> "Making home ownership safe and affordable for you, family and friends"

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