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<p class=MsoNormal><span style='color:#1F497D'>Hello,<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=bodytext style='margin:0in;margin-bottom:.0001pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>For
those of you interested in helping to promote and expand sustainable
transportation in Waterloo Region, since October 1st Grand River CarShare
(formerly People’s Car) has been offering a <strong><span
style='font-family:"Calibri","sans-serif";font-weight:normal'>local</span></strong></span><strong><span
style='font-size:12.0pt;font-family:"Calibri","sans-serif";color:#72AB1C'>
‘ethical’ </span></strong><strong><span style='font-size:11.0pt;
font-family:"Calibri","sans-serif";color:#1F497D;font-weight:normal'>investment
opportunity</span></strong><strong><span style='font-size:11.0pt;font-family:
"Calibri","sans-serif";color:#1F497D'> </span></strong><b><u><span
style='font-size:12.0pt;font-family:"Calibri","sans-serif";color:#72AB1C'>earning</span></u></b><u><span
style='font-size:12.0pt;font-family:"Calibri","sans-serif";color:#72AB1C'> <b>3.5%
per annum</b></span></u><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>.<o:p></o:p></span></p>
<p class=bodytext style='margin:0in;margin-bottom:.0001pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p>
<p style='margin:0in;margin-bottom:.0001pt;mso-line-height-alt:10.5pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Grand
River CarShare is making this investment opportunity available in the form of </span><b><span
style='font-family:"Calibri","sans-serif";color:#72AB1C'>debentures*</span></b><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>. <o:p></o:p></span></p>
<p style='margin:0in;margin-bottom:.0001pt;mso-line-height-alt:10.5pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p>
<p class=bodytext style='margin:0in;margin-bottom:.0001pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>By
investing in a Grand River CarShare debenture, not only will earn you a</span><b><span
style='font-size:12.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span></b><b><u><span
style='font-size:12.0pt;font-family:"Calibri","sans-serif";color:#72AB1C'>return
of 3.5% per annum</span></u></b><b><span style='font-size:11.0pt;font-family:
"Calibri","sans-serif";color:#1F497D'> </span></b><span style='font-size:11.0pt;
font-family:"Calibri","sans-serif";color:#1F497D'>(a higher rate of return than
on GICs!), but you can also feel good about your investment knowing that it is
supporting a local non-profit co-operative making an environmental and social
impact. <b><o:p></o:p></b></span></p>
<p class=bodytext style='margin:0in;margin-bottom:.0001pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p>
<p style='margin:0in;margin-bottom:.0001pt;mso-line-height-alt:10.5pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Should
you wish more information about how to purchase a debenture, please contact our
office for more details and/or visit the Co-op’s website for more
information: <a href="http://www.grandrivercarshare.ca/pages/whatsnew.html"><span
style='color:#1F497D'>http://www.grandrivercarshare.ca/pages/whatsnew.html</span></a>.
<o:p></o:p></span></p>
<p style='margin:0in;margin-bottom:.0001pt;mso-line-height-alt:10.5pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p>
<p style='margin:0in;margin-bottom:.0001pt;mso-line-height-alt:10.5pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Please
keep in mind that the closing date to purchase a debenture is November 30th so
time is limited!<o:p></o:p></span></p>
<p style='margin:0in;margin-bottom:.0001pt;mso-line-height-alt:10.5pt'><span
style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Thanks in advance for your
interest in this.</span><span style='color:#1F497D'><o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Sincerely,<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Dave Steffler<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Executive Director<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>P.S. <b>*</b>For those of you
unfamiliar with the term ‘debenture’ it is similar to a Guaranteed
Investment Certificate except that in this case it is ‘unsecured’,
in other words not guaranteed by the Deposit Insurance Corporation of Ontario,
nor any other agency and/or insurance.<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Grand River CarShare &
Hamilton CarShare<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>7-29 King St. E.<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Kitchener, ON<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>N2G 2K4<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Tel: 519-578-1895<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Tel: 905-543-4411<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>Fax: 519-579-2195<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>www.GrandRiverCarShare.ca<o:p></o:p></span></p>
<p class=MsoNormal><span style='color:#1F497D'>www.HamiltonCarShare.ca</span><o:p></o:p></p>
<p class=MsoNormal><o:p> </o:p></p>
</div>
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