The document provides information on current mortgage rates and special offers from MortgageBrokerDawna.com, including a 5 year fixed rate of 3.89% and 5 year variable rate of 2.30%. It outlines financing options for purchasing homes, renovations, debt consolidation, and states that self-employed individuals who have been turned down by banks may qualify for a stated income mortgage. Contact information is provided to get customized mortgage options and rates.

2. Current Rate Specials * as of February 8, 2011 www.MortgageBrokerDawna.com 3.89% 2.30% 5 year fixed 5 year variable

3. Market Trends The Average Cost of Rent has Nearly Doubled www.MortgageBrokerDawna.com

4. First-Time Buyers Tired of Making Your Landlord Rich? $0 Money Down - - - - - - or - - - - - - Cashback (5-8% Available) www.MortgageBrokerDawna.com

6. Looking to build a Custom Home? Get preapproved Signed and accepted copy of building contract, builders construction specifications, (blueprints) of house to be built, plan showing legal description dimensions of property, proposed location 1 st Progress Draw-basement is ready to backfill 2 nd Progress Draw-Interior ready for drywall 3 rd Progress Draw-Drywall installed & taped 4 th Progress Draw-House Completed Your mortgage is advanced in stages much like the purchase plus improvement mortgage An inspection is completed prior to funds being advanced. Only a home builder that is a member of the Alberta Home Warranty Program is eligible www.MortgageBrokerDawna.com

7. Purchase Plus Improvements Found Your Dream Home… but can’t afford to fix it? Think again! Take advantage of “Purchase Plus Improvements” financing the renovations needed for upgrades using Purchase Plus Improvements Financing Purchase Price $200,000 Proposed Improvements $20,000 Less 5% Downpayment $11,000 Plus 2.75% CMHC Premium $ 5,747 Total Mortgage $21,4747 Mortgage payment at 4% $260.35/weekly Traditional Financing Purchase Price: $200,000 Less 5% Downpayment $10,000 Plus 2.75% CMHC/GE premium $5,225 Total Mortgage $19,5225 Mortgage payment at 4% $236.68/weekly www.MortgageBrokerDawna.com

9. Debt Consolidation You can save on interest and improve your cash flow by using the equity in your home! A possible current scenario: Balance Payment Mortgage (@5%) $200,000 $1,163 Car Loan $18,000 $540 Credit Cards/PLC $15,000 $450 Penalty to break mortgage $3,000 Total $236,000 $2,153 A new mortgage with your debt load consolidated: Balance Payment Mortgage (@5%) $236,000 $1,241 Car Loan Paid off $0 Credit Cards/PLC Paid off $0 Penalty to break mortgage Paid off Total $236,000 $1,241 www.MortgageBrokerDawna.com That’s a monthly savings of $1,XXX or $15,XXX annually.

10. Market Trends www.MortgageBrokerDawna.com