The document advertises the mortgage services of Dawna Providenti, including current mortgage rates as low as 3.89% for a 5-year fixed rate and 2.30% for a 5-year variable rate. It provides information on purchasing a home, financing renovations, debt consolidation, stated income mortgages for self-employed individuals, and refinancing or switching existing mortgages. Contact information is provided to get full details on available mortgages.

1. Mortgage Advisor Contact Dawna Providenti 1-403-350-2706 [email_address] For an online application www.mortgagebrokerdawna.com www.mortgagebrokerdawna.com Talk to me for full details on how to get the mortgage that meets your needs

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

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

4. First-Time Buyers Tired of Making Your Landlord Rich? “ 0” Money Down OR Cashback 5-8% Available www.mortgagebrokerdawn.com

5. Our Lenders Quick Preapprovals Home Warranty Cash Back On Line Access to Your Mortgage Free Appraisals Free Legals Flexible Payment Options 85% Refinancing to consolidate debt Portable www.mortgagebrokerdawn.com www.mortgagebrokerdawna.com

6. Want a Custom Home Built 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? www.mortgagebrokerdawna.com Finance the Renovations Needed for Upgrades Traditional Financing Purchase Price $200000 Purchase Price: 200000 Proposed Improvements 20000 Less 5% Downpayment 10000 AS IMPROVED VALUE OF HOME 220000 Plus 2.75% CMHC/GE premium 5225 Less 5% Downpayment 11000 Total Mortgage 195225 Plus 2.75% CMHC Premium 5747.50 Total Mortgage 214747.50 Mortgage payment at 4% $236.68/weekly Mortgage payment at 4% $260.35

8. Want a Second Opinion? Great Rates That may include Home Warranty Online Access to Your Mortgage Free Legal Fees and Appraisals Flexible Payment Options www.mortgagebrokerdawna.com

9. Debt Consolidation Find out how you can save on interest and improve your cash flow. Use the equity in your current home! www.mipartners.ca Mortgage (@5%) $200000 $1163 Car Loan 18000 $540 Credit Cards/PLC 15000 $450 Penalty to break mortgage 3000 Total $236000 $2153 LOOK AT THE SAVINGS! Mortgage (@4%) $236000 Car Loan Paid off Credit Cards/PLC Paid off Penalty to break mortgage Paid off Total $236000 $1241/month BASED ON 25 YEAR AMORTIZATION www.mortgagebrokerdawna.com

10. Market Trends www.mipartners.ca www.mortgagebrokerdawna.com

11. Renewals Switch Now www.mortgagebrokerdawna.com Lenders may pay for up to $5000 towards Penalty costs Up to $1000 in legal fees paid for by lender Appraisals paid for by lender Save

12. Self Employed? Did the Bank Turn you Down? www.mortgagebrokerdawna.com Talk to me for full details on how to get the mortgage that meets your needs This mortgage are for those who can not use their Notice of Assessments to prove income. Commission sales are eligible 6 months minimum Minimum Documentation 10% Downpayment required but 5% can be gifted AT Mortgage Intelligence we help our clients in achieving homeownership especially for the self employed . STATED INCOME MORTGAGE

13. Mortgage Advisor Contact Dawna Providenti 1-403-350-2706 [email_address] For an online application www.mortgagebrokerdawna.com www.mortgagebrokerdawna.com Talk to me for full details on how to get the mortgage that meets your needs