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Dear Clients and Friends,

It is my pleasure to introduce our new affiliate company, One Source Lending, Inc. One Source Lending is a residential mortgage brokerage company located in our Macadam Avenue offices.

Because of our affiliate relationship with One Source Lending, our clients, friends and family can benefit from the lowest rates and best mortgage services available.

Over the years, we have been proactive in helping our clients secure the most tax efficient and lowest cost residential mortgages. Since many of our clients are high-income producers, a portion of their mortgage interest may be "phased-out" for tax purposes (and not deductible). By working closely with One Source Lending, we are able to help determine the most tax efficient loan products for our clients at the lowest price.

If you have any questions regarding their services, or if you would like to receive a comparison of your current mortgage situation, feel free to contact me or Tony Gillard at One Source Lending, Inc."



Sincerely,

Holmes & Company, LLP

William N. Holmes


Certified Public Accountants and Business Advisors
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