ÿþ<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40" xml:lang="en"> <head> <meta http-equiv=Content-Type content="text/html; charset=unicode"> <meta name=ProgId content=Word.Document> <meta name=Generator content="Microsoft Word 12"> <meta name=Originator content="Microsoft Word 12"> <link rel=File-List href="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/filelist.xml"> <link rel=Edit-Time-Data href="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/editdata.mso"> <!--[if !mso]> <style> v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} </style> <![endif]--> <title>Tudor Finance Pty Ltd - January 2010 Newsletter</title> <!--[if gte mso 9]><xml> <o:DocumentProperties> <o:Author>song</o:Author> <o:Template>NormalEmail.dotm</o:Template> <o:Revision>1</o:Revision> <o:TotalTime>0</o:TotalTime> <o:Created>2010-07-28T00:02:00Z</o:Created> <o:Pages>1</o:Pages> <o:Words>1063</o:Words> <o:Characters>6064</o:Characters> <o:Lines>50</o:Lines> <o:Paragraphs>14</o:Paragraphs> <o:CharactersWithSpaces>7113</o:CharactersWithSpaces> <o:Version>12.00</o:Version> </o:DocumentProperties> </xml><![endif]--> <link rel=themeData href="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/themedata.thmx"> <link rel=colorSchemeMapping href="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/colorschememapping.xml"> <!--[if gte mso 9]><xml> <w:WordDocument> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-AU</w:LidThemeOther> <w:LidThemeAsian>ZH-CN</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:DoNotExpandShiftReturn/> <w:BreakWrappedTables/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true" DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="267"> <w:LsdException Locked="false" Priority="0" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Normal"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 1"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 2"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 3"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 4"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 5"/> <w:LsdException Locked="false" Priority="9" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="heading 6"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/> <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/> <w:LsdException Locked="false" Priority="39" Name="toc 1"/> <w:LsdException Locked="false" Priority="39" Name="toc 2"/> <w:LsdException Locked="false" Priority="39" Name="toc 3"/> <w:LsdException Locked="false" Priority="39" Name="toc 4"/> <w:LsdException Locked="false" Priority="39" Name="toc 5"/> <w:LsdException Locked="false" Priority="39" Name="toc 6"/> <w:LsdException Locked="false" Priority="39" Name="toc 7"/> <w:LsdException Locked="false" Priority="39" Name="toc 8"/> <w:LsdException Locked="false" Priority="39" Name="toc 9"/> <w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/> <w:LsdException Locked="false" Priority="10" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Title"/> <w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/> <w:LsdException Locked="false" Priority="11" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/> <w:LsdException Locked="false" Priority="22" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Strong"/> <w:LsdException Locked="false" Priority="20" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/> <w:LsdException Locked="false" Priority="59" SemiHidden="false" UnhideWhenUsed="false" Name="Table Grid"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/> <w:LsdException Locked="false" Priority="1" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 1"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 1"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 1"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/> <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/> <w:LsdException Locked="false" Priority="34" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/> <w:LsdException Locked="false" Priority="29" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Quote"/> <w:LsdException Locked="false" Priority="30" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 1"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 1"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 2"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 2"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 2"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 2"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 2"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 3"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 3"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 3"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 3"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 3"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 4"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 4"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 4"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 4"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 4"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 5"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 5"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 5"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 5"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 5"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 6"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 6"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 6"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 6"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 6"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/> <w:LsdException Locked="false" Priority="19" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/> <w:LsdException Locked="false" Priority="21" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title"/> <w:LsdException Locked="false" Priority="37" Name="Bibliography"/> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/> </w:LatentStyles> </xml><![endif]--> <style> <!-- /* Font Definitions */ @font-face {font-family:SimSun; panose-1:2 1 6 0 3 1 1 1 1 1; mso-font-alt:‹[SO; mso-font-charset:134; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:3 680460288 22 0 262145 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-520092929 1073786111 9 0 415 0;} @font-face {font-family:"\@SimSun"; panose-1:2 1 6 0 3 1 1 1 1 1; mso-font-charset:134; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:3 680460288 22 0 262145 0;} @font-face {font-family:"Arial Narrow"; panose-1:2 11 6 6 2 2 2 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:647 2048 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast;} h1 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 1 Char"; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:1; font-size:16.0pt; font-family:"Arial Narrow","sans-serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast; color:#2A2A2A; font-weight:bold;} h2 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 2 Char"; margin-top:0cm; margin-right:0cm; margin-bottom:3.75pt; margin-left:0cm; mso-pagination:widow-orphan; mso-outline-level:2; font-size:10.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast; color:#2A2A2A; font-weight:bold;} h3 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 3 Char"; margin-top:0cm; margin-right:0cm; margin-bottom:3.75pt; margin-left:0cm; mso-pagination:widow-orphan; mso-outline-level:3; font-size:10.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast; color:#2A2A2A; font-weight:bold;} h4 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 4 Char"; margin-top:0cm; margin-right:0cm; margin-bottom:3.75pt; margin-left:0cm; mso-pagination:widow-orphan; mso-outline-level:4; font-size:10.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast; color:#2A2A2A; font-weight:bold;} h5 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 5 Char"; margin-top:0cm; margin-right:0cm; margin-bottom:3.75pt; margin-left:0cm; mso-pagination:widow-orphan; mso-outline-level:5; font-size:10.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast; color:#2A2A2A; font-weight:bold;} h6 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 6 Char"; margin-top:0cm; margin-right:0cm; margin-bottom:3.75pt; margin-left:0cm; mso-pagination:widow-orphan; mso-outline-level:6; font-size:10.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast; color:#2A2A2A; font-weight:bold;} p {mso-style-priority:99; margin-top:0cm; margin-right:0cm; margin-bottom:5.25pt; margin-left:0cm; mso-pagination:widow-orphan; font-size:8.0pt; font-family:"Times New Roman","serif"; mso-fareast-font-family:SimSun; mso-fareast-theme-font:minor-fareast;} span.Heading1Char {mso-style-name:"Heading 1 Char"; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 1"; mso-ansi-font-size:14.0pt; mso-bidi-font-size:14.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:SimSun; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#365F91; mso-themecolor:accent1; mso-themeshade:191; font-weight:bold;} span.Heading2Char {mso-style-name:"Heading 2 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 2"; mso-ansi-font-size:13.0pt; mso-bidi-font-size:13.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:SimSun; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#4F81BD; mso-themecolor:accent1; font-weight:bold;} span.Heading3Char {mso-style-name:"Heading 3 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 3"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:SimSun; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#4F81BD; mso-themecolor:accent1; font-weight:bold;} span.Heading4Char {mso-style-name:"Heading 4 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 4"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:SimSun; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#4F81BD; mso-themecolor:accent1; font-weight:bold; font-style:italic;} span.Heading5Char {mso-style-name:"Heading 5 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 5"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:SimSun; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#243F60; mso-themecolor:accent1; mso-themeshade:127;} span.Heading6Char {mso-style-name:"Heading 6 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 6"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:"Cambria","serif"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:major-latin; mso-fareast-font-family:SimSun; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:Cambria; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#243F60; mso-themecolor:accent1; mso-themeshade:127; font-style:italic;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt;} @page WordSection1 {size:612.0pt 792.0pt; margin:72.0pt 72.0pt 72.0pt 72.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} --> </style> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman","serif";} </style> <![endif]--> <meta content=no-cache http-equiv=pragma> <meta content=no-cache http-equiv=cache-control> <meta content=no http-equiv=imagetoolbar> <!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1026"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body bgcolor ="#8a97b0"lang=EN-AU link=blue vlink=purple style='tab-interval: 36.0pt'> <div class=WordSection1 align="center"> <p class=MsoNormal><o:p>&nbsp;</o:p></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=625 valign=top style='width:468.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:3.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:3.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=5 valign=top style='width:3.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=615 valign=top style='width:461.25pt;background:white;padding: 0cm 0cm 0cm 0cm'><!-- Main Banner Image --> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="_x0000_i1025" type="#_x0000_t75" alt="Tudor Finance Pty Ltd" style='width:461.25pt;height:157.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image001.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024305_masthead.jpg"/> </v:shape><![endif]--><![if !vml]><img src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image001.jpg" alt="Tudor Finance Pty Ltd" v:shapes="_x0000_i1025"><![endif]><o:p></o:p></span></p> <!-- Title Strip --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:26.25pt'> <td width=12 style='width:9.0pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'></td> <td width=266 style='width:199.5pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'> <p class=MsoNormal><span style='font-size:13.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:white'>January 2010 Newsletter<o:p></o:p></span></p> </td> <td width=321 style='width:240.75pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'> <p class=MsoNormal align=right style='text-align:right'><span style='font-size:8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:white'><a href="http://www.tudorfinance.com.au/"><span style='color:white;text-decoration:none;text-underline:none'>Website</span></a> | <a href="mailto:steve@tudorfinance.com.au"><span style='color:white; text-decoration:none;text-underline:none'>Email</span></a> | <a href="http://www.powerport.com.au/cgi-bin/nport2/fwdtofriend.cgi?92133&amp;&amp;388"><span style='color:white;text-decoration:none;text-underline:none'>Forward to a Friend</span></a> | <a href="http://www.powerport.com.au/cgi-bin/nport2/printnl.cgi?92133&amp;388"><span style='color:white;text-decoration:none;text-underline:none'>Print</span></a> <o:p></o:p></span></p> </td> <td width=16 style='width:12.0pt;background:black;padding:0cm 0cm 0cm 0cm; height:26.25pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Introduction Strip --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=12 valign=top style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=359 valign=top style='width:269.25pt;padding:3.75pt 0cm 11.25pt 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1026" type="#_x0000_t75" alt="" style='width:217.5pt; height:60pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image002.jpg" o:href="http://www.powerport.com.au/images/nport_images/member_images/a388921331263190171_tudorfinance.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image002.jpg" v:shapes="_x0000_i1026"><![endif]><o:p></o:p></span></p> <div class=MsoNormal align=center style='text-align:center'><span style='font-size:8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'> <hr size=1 width="100%" noshade style='color:#D4D6DD' align=center> </span></div> <p style='line-height:18.0pt'><span style='font-family:"Arial","sans-serif"; color:#2A2A2A'>Hello,<o:p></o:p></span></p> <p style='line-height:18.0pt'><span style='font-family:"Arial","sans-serif"; color:#2A2A2A'>A new year brings with it new challenges, but also an opportunity to set new goals. With rental yields, interest rates and the economy on the up, its hard not to feel that this year is all about positive change. <br> <br> In this newsletter we have a look at what the statistics show for rising rental yields (below), plus how bank customers can save by moving to a cheaper mortgage provider (article 2). In article 3 we outline what the economists are predicting for interest rates over the coming year. <br> <br> Article 4 continues the theme of change, with some practical advice on New Years resolutions - how to make them and how to keep them! As your mortgage broker we would be delighted to help you with any financial goals you may wish to achieve this coming year. <br> <br> Enjoy this newsletter and feel free to pass it on to family and friends.<o:p></o:p></span></p> </td> <td width=16 valign=top style='width:12.0pt;background:white;padding: 0cm 0cm 0cm 0cm'></td> <td width=1 valign=top style='width:.75pt;background:#CCCCCC;padding: 0cm 0cm 0cm 0cm'></td> <td width=16 valign=top style='width:12.0pt;background:white;padding: 0cm 0cm 0cm 0cm'></td> <td width=211 valign=top style='width:158.25pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td valign=top style='padding:0cm 0cm 5.25pt 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1028" type="#_x0000_t75" alt="" style='width:101.25pt; height:75pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image003.jpg" o:href="http://www.powerport.com.au/images/nport_images/member_images/a388921331263190140_tudorfinance002.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image003.jpg" v:shapes="_x0000_i1028"><![endif]><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><b><span style='font-size:9.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><a href="mailto:steve@tudorfinance.com.au"><span style='color:#2A2A2A; text-decoration:none;text-underline:none'>Stephen Tudor</span></a><o:p></o:p></span></b></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Director<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <!-- <tr valign="top"> <td class="logo_name"><b>Tudor Finance Pty Ltd</b></td> </tr> --> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=top style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>PO Box 58<br> Nunawading VIC 3131 <o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellpadding=0 style='mso-cellspacing: 1.5pt;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Tel:<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>03 9894 7135<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Mob:<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>0412 582 151<o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:2;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Fax:<o:p></o:p></span></p> </td> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>03 9894 7073<o:p></o:p></span></p> </td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#E1E1E1;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1029" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image004.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024165_t_article1nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image004.jpg" v:shapes="_x0000_i1029"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92133.html#article0"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Rents on the Up &amp; Up</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#969CA6;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1030" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image005.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024181_t_article2nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image005.jpg" v:shapes="_x0000_i1030"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92133.html#article1"><span style='color:white;text-decoration:none;text-underline:none'>Save Dollars</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#E1E1E1;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1031" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image006.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024198_t_article3nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image006.jpg" v:shapes="_x0000_i1031"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92133.html#article2"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Economy on the Mend</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#E1E1E1;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=199 style='width:149.25pt;background:#969CA6;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=4 style='width:3.0pt;padding:0cm 0cm 0cm 0cm'></td> <td width=50 style='width:37.5pt;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt: 0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width=50 valign=top style='width:37.5pt;border:solid #A7A7A7 1.0pt; background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1032" type="#_x0000_t75" alt="" style='width:37.5pt; height:37.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image007.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024212_t_article4nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=50 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image007.jpg" v:shapes="_x0000_i1032"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> <td width=123 style='width:92.25pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal style='mso-line-height-alt:0pt'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman";color:#2A2A2A'><a href="http://www.powerport.com.au/nldownloads/newsletter_388_92133.html#article3"><span style='color:white;text-decoration:none;text-underline:none'>The Year Ahead</span></a> <o:p></o:p></span></p> </td> <td width=11 style='width:8.25pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes;height:3.0pt'> <td style='background:#969CA6;padding:0cm 0cm 0cm 0cm;height:3.0pt'></td> </tr> </table> </td> <td width=12 style='width:9.0pt;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> </tr> </table> </td> <td width=5 valign=top style='width:3.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article0 id=article0></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1033" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image008.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024089_article1nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image008.jpg" v:shapes="_x0000_i1033"><![endif]><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#9BBEE4;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#9BBEE4;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Rents on the Up &amp; Up<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Property investors can hit the ground running in 2010 with the news that rents are predicted to keep rising around the nation.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Economic forecaster, BIS Shrapnel, is anticipating rental growth to increase by an average of 5.8 per cent a year over the next three years. This increase would result in landlords pocketing an extra $1.9 billion in rents between 2010 and 2012. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92133&amp;388&amp;#article0"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#9BBEE4;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article1 id=article1></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=21 style='width:15.75pt;background:#DEE7CA;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#DEE7CA;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Save Dollars<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>Think what you could do with an extra $3,000 in your pocket - a holiday, new TV, gym membership? That's how much you could save by letting us shop around for your home loan.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>A $3,000 saving each year in interest repayments and fees equates to a saving of $48,000 over the life of a loan, taking the example of an average loan of $250,000 with a 30 year term. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92133&amp;388&amp;#article1"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#DEE7CA;padding:0cm 0cm 0cm 0cm'></td> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1034" type="#_x0000_t75" alt="" style='width:187.5pt;height:174pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image009.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024111_article2nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image009.jpg" v:shapes="_x0000_i1034"><![endif]><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article2 id=article2></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1035" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image010.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024128_article3nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image010.jpg" v:shapes="_x0000_i1035"><![endif]><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#E8F2FB;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#E8F2FB;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Economy on the Mend<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>If we could place bets on interest rate movements, the odds would be firmly stacked in favour of more rate rises over the coming year.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Of course we can't take bets, but we can tell you what the experts are predicting. A recent survey of 17 economists by Australian Associated Press found that all believed interest rates would now keep moving upward, spelling the end of near 50-year lows. The survey's median forecast for where Reserve Bank interest rates will be sitting mid 2010 was 4.25 per cent. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92133&amp;388&amp;#article2"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#E8F2FB;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><a name=article3 id=article3></a><span style='font-size: 8.0pt;font-family:"Arial","sans-serif";mso-fareast-font-family:"Times New Roman"; color:#2A2A2A;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=21 style='width:15.75pt;background:#E4EBF1;padding:0cm 0cm 0cm 0cm'></td> <td width=358 style='width:268.5pt;background:#E4EBF1;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>The Year Ahead<o:p></o:p></span></h1> <h2><span style='font-family:"Arial","sans-serif";mso-fareast-font-family: "Times New Roman"'>George Eliot's inspirational quote 'It's never too late to be what you might have become' is a great way to start off your new year in the right frame of mind.<o:p></o:p></span></h2> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'>Regardless of what type of year 2009 has been, the dawn of 2010 represents a perfect opportunity for each of us to make a fresh start, repair on our mistakes and build on our success. <o:p></o:p></span></p> <p><span style='font-family:"Arial","sans-serif";color:#2A2A2A'><a href="http://www.powerport.com.au/cgi-bin/nport2/newsletter.cgi?92133&amp;388&amp;#article3"><span style='color:#2A2A2A;text-decoration:none;text-underline:none'>Read More &gt;&gt;</span></a><o:p></o:p></span></p> </td> <td width=21 style='width:15.75pt;background:#E4EBF1;padding:0cm 0cm 0cm 0cm'></td> <td width=225 style='width:168.75pt;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1036" type="#_x0000_t75" alt="" style='width:187.5pt;height:187.5pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image011.jpg" o:href="http://www.powerport.com.au/images/nport_images/newsletter_images/1261024149_article4nl.jpg"/> </v:shape><![endif]--><![if !vml]><img border=0 width=250 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image011.jpg" v:shapes="_x0000_i1036"><![endif]><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Icon Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=17 style='width:12.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=119 style='width:89.25pt;background:white;padding:0cm 0cm 0cm 0cm'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><!--[if gte vml 1]><v:shape id="_x0000_i1037" type="#_x0000_t75" alt="" style='width:89.25pt; height:48pt'> <v:imagedata src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image012.gif" o:href="http://www.powerport.com.au/images/nport_images/member_images/a388921331263189144_mfaa_logo.gif"/> </v:shape><![endif]--><![if !vml]><img border=0 width=119 src="Tudor%20Finance%20Pty%20Ltd%20-%20January%202010%20Newsletter_files/image013.gif" v:shapes="_x0000_i1037"><![endif]><o:p></o:p></span></p> </td> </tr> </table> </td> <td width=19 style='width:14.25pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=430 style='width:322.5pt;background:white;padding:0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>Mortgage &amp; Finance Association of Australia<o:p></o:p></span></h1> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> Tudor Finance Pty Ltd is a Full Member of the MFAA. <br> <br> This means we have recognised and proven qualifications and expertise in the mortgage industry, and are bound by a code of ethics to ensure the highest levels of service, integrity and professionalism. <o:p></o:p></span></p> </td> <td width=40 style='width:30.0pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Image Article Text Right --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=21 valign=top style='width:15.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=583 valign=top style='width:437.25pt;background:white;padding: 0cm 0cm 0cm 0cm'> <h1><span style='mso-fareast-font-family:"Times New Roman";mso-bidi-font-family: Arial'>No fuss, tailored home loans <o:p></o:p></span></h1> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><br> With 20 years home loan lending experience, Tudor Finance are trusted mortgage professionals who work for you - not the banks. By spending time getting to know you, &amp; with access to hundreds of loans from more than 20 different lenders, we can help find the perfect loan that best suits your individual needs. <br> <br> Tudor Finance is not obligated to sell any particular home loan product - our only committment is to hand-pick the optimum loan for you. <br> <br> Our service is free &amp; we take care of the whole process, giving you peace of mind &amp; saving you time. <o:p></o:p></span></p> </td> <td width=21 valign=top style='width:15.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:9.75pt'> <td width=625 valign=top style='width:468.75pt;background:white;padding: 0cm 0cm 0cm 0cm;height:9.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Rule --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes; height:.75pt'> <td width=625 valign=top style='width:468.75pt;background:#CCCCCC; padding:0cm 0cm 0cm 0cm;height:.75pt'></td> </tr> </table> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A;display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <!-- Disclaimer --> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='mso-cellspacing:0cm;mso-yfti-tbllook:1184;mso-padding-alt:0cm 0cm 0cm 0cm'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=17 style='width:12.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> <td width=591 style='width:443.25pt;background:white;padding:0cm 0cm 0cm 0cm'> <p class=MsoNormal><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#2A2A2A'><o:p>&nbsp;</o:p></span></p> <p style='line-height:19.2pt'><span style='font-family:"Arial","sans-serif"; color:#2A2A2A'>Disclaimer: This newsletter is intended to provide general news and information only. Readers should rely on their own enquiries before making any decisions regarding their own interests. Please do not rely on any part of this newsletter as a substitute for specific legal or financial advice. All material is copyright 2010. <o:p></o:p></span></p> </td> <td width=17 style='width:12.75pt;background:white;padding:0cm 0cm 0cm 0cm'></td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p> </div> </body> </html>