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Date: Tue, 16 Dec 2025 08:31:36 -0500 (EST)
From: Nectar Community Investments  <glynn.lloyd@nectarinvests.org>
Reply-To: info@nectarinvests.org
To: revbrian@goodshepherdreading.com
Subject: Building connections all year long
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Email from Nectar Community Investments December updates: Warm holiday wish=
es, 2025 highlights December 2025 Dear friends, December is a month full of=
 lists: for shopping, gifts, must-see movies and must-read books, and every=
thing in between. We thought about what would be on our best-of Nectar list=
 to close out 2025, and here are a few of the moments that came to the fore=
front: Closing 19 loans through the Energy Saver Home Loan Program, which a=
re helping homeowners reduce an average of 52% of their energy consumption =
 Strolling around a vibrant Haverhill downtown to engage with local small b=
usinesses, partners and community members Welcoming homeowners to our Lawre=
nce space during extended office hours to discuss our residential programs,=
 which help them improve their most valuable asset Cultivating our Rhode Is=
land relationships to serve Ocean State entrepreneurs through small busines=
s financing Presenting at conferences in Massachusetts and beyond, includin=
g with the Opportunity Finance Network, Partnership for Financial Equity, E=
l Mundo and more, to promote the work of CDFIs, drive innovation and share =
resources Looking back at those moments, we found a common thread: connecti=
on. It's always been the foundation of our community development and invest=
ment approach, and it's how we build wealth and trust throughout our commun=
ities. Like all lists, we couldn't include everything. But know that each m=
oment of connection this year meant something to our team and the work we d=
o. We'll seek even more connection in 2026, so don't be surprised when you =
see us out and about! Thank you for your support throughout 2025. We wish y=
ou a happy holiday season, and we look forward to partnering with you in th=
e new year. With gratitude, The Nectar Community Investments Team Nectar pr=
oudly joins Massachusetts Community Bank at MassHousing in celebrating $5 m=
illion in Energy Saver Loan financing We mentioned the Energy Saver Home Lo=
an Program earlier =E2=80=94 this fall marks one year since we closed our f=
irst loan through the program, which has helped homeowners complete energy =
efficiency upgrades, save money and boost the value of their homes. Thanks =
to the leadership of our partners at the Massachusetts Community Climate Ba=
nk, the Energy Saver Home Loan Program celebrated more than $5 million in c=
losed loans earlier this month. As our Residential Services Director Lisset=
te Paukert put it, this program is truly making a difference in people=E2=
=80=99s lives.  You can read more about the milestone here. Also, no matter=
 what financing you=E2=80=99ve used, if you successfully installed solar pa=
nels at your home in 2025, remember that you can claim the federal tax cred=
it for solar before it expires at the end of the year. =EF=BB=BF =EF=BB=BF =
A sweet reopening =E2=80=8A We've been proud to support Lawrence's Sweet Gr=
ace Heavenly Cakes over the years, and it was a joy earlier this month to c=
elebrate the bakery's new space on Essex Street. Our Small Business Loan Of=
ficer Kristin Wallace =E2=80=94 who had Sweet Grace cakes at her wedding an=
d family birthdays over the years =E2=80=94 joined Mayor Brian De Pe=C3=B1a=
, the team from Rockland Trust, Lawrence City Councilor Ana Levy, Judith Al=
varez from Hispanic Image, representatives from Senator Payano's office, Fr=
ank Carvalho (who founded our legacy organization Mill Cities Community Inv=
estments), the entire Sweet Grace team and numerous family and friends for =
this warm and uplifting event. Owners Andres and Danaris Mazara have worked=
 incredibly hard to rebuild the bakery after the building was destroyed in =
a fire in March 2023. With this new chapter, they're bringing jobs, housing=
 and hope to their corner of Lawrence. =EF=BB=BF =EF=BB=BF =EF=BB=BFCongrat=
ulations! =EF=BB=BF =E2=80=8A 'Tis the season to shop local Buying gifts, m=
eals and other products from local small businesses is one of the easiest a=
nd most effective ways you can invest in your community. To simplify your s=
earch for a business near you, we're highlighting a few Nectar clients on o=
ur social media channels. They're worth a visit this holiday season! And kn=
ow that every dollar you spend means a great deal to the dedicated entrepre=
neurs behind the scenes. Check out our Instagram and LinkedIn feeds to lear=
n more. =E2=80=8A Double your impact before the end of 2025 Are you a Massa=
chusetts resident who wants to earn state tax credits while investing in yo=
ur community? That's exactly what you can do through the Massachusetts Exec=
utive Office of Housing and Livable Communities Community Investment Tax Cr=
edit (CITC) program. Through the CITC program, donations of $1,000 or more =
to Nectar are eligible for a 50% refundable state tax credit =E2=80=93 so w=
hen you give more, you get half back. As you make plans for your end-of-yea=
r giving, please consider supporting Nectar and taking advantage of this un=
ique opportunity. But no matter the size, your donation will go a long way =
in helping strengthen our communities. Support Nectar     nectarinvests.org=
 =E2=80=8A Nectar Community Investments | 50 Island Street, Entry B, Suite =
103 | Lawrence, MA 01840 US Unsubscribe | Update Profile | Constant Contact=
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</head> <body class=3D"body template template--en-US" data-template-version=
=3D"1.51.6" data-canonical-name=3D"CPE-PT1133" lang=3D"en-US" align=3D"cent=
er" style=3D"-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mi=
n-width: 100%; width: 100%; margin: 0px; padding: 0px;"> <div id=3D"prehead=
er" style=3D"color: transparent; display: none; font-size: 1px; line-height=
: 1px; max-height: 0px; max-width: 0px; opacity: 0; overflow: hidden;"><spa=
n data-entity-ref=3D"preheader">December updates: Warm holiday wishes, 2025=
 highlights</span></div> <div id=3D"tracking-image" style=3D"color: transpa=
rent; display: none; font-size: 1px; line-height: 1px; max-height: 0px; max=
-width: 0px; opacity: 0; overflow: hidden;"><img src=3D"https://mlpj6dbbb.c=
c.rs6.net/on.jsp?ca=3D0eb67250-b8ce-413c-b4ab-c83de3cbdbc8&a=3D113507649060=
4&c=3D44ec2a2c-fe59-11ec-9be4-fa163e470cab&ch=3D4501f3ca-fe59-11ec-9be4-fa1=
63e470cab" / alt=3D""></div> <div class=3D"shell" lang=3D"en-US" dir=3D"ltr=
" style=3D"background-color: #f0f4f4;">    <table class=3D"shell_panel-row"=
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ackground: #f0f4f4 url('') no-repeat center top / cover;" bgcolor=3D"#f0f4f=
4" background=3D""> <tr class=3D""> <td class=3D"shell_panel-cell" style=3D=
"background-color: #e1e34f;" align=3D"center" valign=3D"top" bgcolor=3D"#e1=
e34f"> <table class=3D"shell_width-row scale" style=3D"width: 610px;" align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td clas=
s=3D"shell_width-cell" style=3D"padding: 25px 10px 15px;" align=3D"center" =
valign=3D"top"> <table class=3D"shell_content-row" width=3D"100%" align=3D"=
center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D=
"shell_content-cell" style=3D"border-radius: 0px; background-color: #eaf0f0=
; padding: 0; border: 0px solid #e1e34f;" align=3D"center" valign=3D"top" b=
gcolor=3D"#eaf0f0"> <table class=3D"layout layout--1-column" style=3D"table=
-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width: 100=
%;" align=3D"center" valign=3D"top"> <table class=3D"image image--mobile-sc=
ale image--mobile-center" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0"> <tr> <td class=3D"image_container" style=3D"" align=3D"cent=
er" valign=3D"top"> <table class=3D"image_container-caption text" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr=
> <td class=3D"text_content-cell" style=3D"text-align: center; font-family:=
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ze: 14px; line-height: 1.2; display: block; word-wrap: break-word; padding:=
 0px;" align=3D"center"> <img data-image-content class=3D"image_content" st=
yle=3D"display: block; height: auto; max-width: 100%;" width=3D"588" src=3D=
"https://files.constantcontact.com/c6db4d74801/cd58a48d-49c8-488b-8fbe-d3ff=
4db3b8b0.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </table> </td> </tr> </tabl=
e>  </td> </tr> </table> <table class=3D"layout layout--1-column" style=3D"=
table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width:=
 100%;" align=3D"center" valign=3D"top"> <table class=3D"text text--padding=
-vertical" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"table-layout: fixed;"> <tr> <td class=3D"text_content-cell content=
-padding-horizontal" style=3D"text-align: left; font-family: Century Gothic=
,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px; line-=
height: 1.2; display: block; word-wrap: break-word; padding: 10px 20px;" al=
ign=3D"left" valign=3D"top"><p style=3D"text-align: right; margin: 0;" alig=
n=3D"right"><span style=3D"color: rgb(0, 24, 19);">December 2025</span></p>=
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1=
-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stac=
k" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table class=3D"=
image image--padding-vertical image--mobile-scale image--mobile-center" wid=
th=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td clas=
s=3D"image_container content-padding-horizontal" style=3D"padding: 10px 20p=
x;" align=3D"right" valign=3D"top"> <table class=3D"image_container-caption=
 text" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-layo=
ut: fixed;"> <tr> <td class=3D"text_content-cell" style=3D"text-align: cent=
er; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif; color: =
#003c30; font-size: 14px; line-height: 1.2; display: block; word-wrap: brea=
k-word; padding: 0px;" align=3D"center"> <img data-image-content class=3D"i=
mage_content" style=3D"display: block; height: auto; max-width: 100%;" widt=
h=3D"550" src=3D"https://files.constantcontact.com/c6db4d74801/86f998d3-a53=
8-4a66-8aef-e1aef2dc8b97.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </table> </=
td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1-c=
olumn" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0"> <tr></tr> </table> <table class=3D"layout layou=
t--1-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale =
stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table class=
=3D"text text--padding-vertical" width=3D"100%" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td class=3D"tex=
t_content-cell content-padding-horizontal" style=3D"line-height: 1.2; text-=
align: left; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif=
; color: #003c30; font-size: 14px; display: block; word-wrap: break-word; p=
adding: 10px 20px;" align=3D"left" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; font-weight: bold; font-family: Arial, Verdana, Helvetica, sans-serif;">D=
ear friends,</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">December is a month full of lists: for shopping, gifts, must-see=
 movies and must-read books, and everything in between. We thought about wh=
at would be on our best-of Nectar list to close out 2025, and here are a fe=
w of the moments that came to the forefront:</span></p>
<p style=3D"margin: 0;"><br></p>
<ul style=3D"margin-top: 0; margin-bottom: 0;">
<li style=3D"font-size: 15px; color: rgb(0, 0, 0);">
<span style=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: tran=
sparent; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: b=
old;">Closing 19 loans through the Energy Saver Home Loan Program</span><sp=
an style=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: transpa=
rent; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: norm=
al;">, which are helping homeowners reduce an average of 52% of their energ=
y consumption&#xa0;</span>
</li>
<li style=3D"font-size: 15px; color: rgb(0, 0, 0);">
<span style=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: tran=
sparent; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: b=
old;">Strolling around a vibrant Haverhill downtown</span><span style=3D"fo=
nt-size: 15px; color: rgb(0, 0, 0); background-color: transparent; font-fam=
ily: Arial, Verdana, Helvetica, sans-serif; font-weight: normal;"> to engag=
e with local small businesses, partners and community members</span>
</li>
<li style=3D"font-size: 15px; color: rgb(0, 0, 0);">
<span style=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: tran=
sparent; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: b=
old;">Welcoming homeowners to our Lawrence space</span><span style=3D"font-=
size: 15px; color: rgb(0, 0, 0); background-color: transparent; font-family=
: Arial, Verdana, Helvetica, sans-serif; font-weight: normal;"> during exte=
nded office hours to discuss our residential programs, which help them impr=
ove their most valuable asset</span>
</li>
<li style=3D"font-size: 15px; color: rgb(0, 0, 0);">
<span style=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: tran=
sparent; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: b=
old;">Cultivating</span><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; background-color: transparent; font-family: Arial, Verdana, Helvetica, sa=
ns-serif; font-weight: normal;"> our Rhode Island relationships to serve Oc=
ean State entrepreneurs through small business financing</span>
</li>
<li style=3D"font-size: 15px; color: rgb(0, 0, 0);">
<span style=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: tran=
sparent; font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: b=
old;">Presenting at conferences in Massachusetts and beyond,</span><span st=
yle=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: transparent;=
 font-family: Arial, Verdana, Helvetica, sans-serif;"> </span><span style=
=3D"font-size: 15px; color: rgb(0, 0, 0); background-color: transparent; fo=
nt-family: Arial, Verdana, Helvetica, sans-serif; font-weight: normal;">inc=
luding with the Opportunity Finance Network, Partnership for Financial Equi=
ty, El Mundo and more, to promote the work of CDFIs, drive innovation and s=
hare resources</span>
</li>
</ul>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">Looking back at those moments, we found a common thread: connect=
ion. It's always been the foundation of our community development and inves=
tment approach, and it's how we build wealth and trust throughout our commu=
nities.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">Like all lists, we couldn't include everything. But know that ea=
ch moment of connection this year meant something to our team and the work =
we do. We'll seek even more connection in 2026, so don't be surprised when =
you see us out and about!</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">Thank you for your support throughout 2025. We wish you a happy =
holiday season, and we look forward to partnering with you in the new year.=
</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">With gratitude,</span></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">The Nectar Community Investments Team</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><br></p>
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1=
-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stac=
k" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table class=3D"=
image image--mobile-scale image--mobile-center" width=3D"100%" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"image_container" st=
yle=3D"" align=3D"center" valign=3D"top"> <table class=3D"image_container-c=
aption text" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"tabl=
e-layout: fixed;"> <tr> <td class=3D"text_content-cell" style=3D"text-align=
: center; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif; c=
olor: #003c30; font-size: 14px; line-height: 1.2; display: block; word-wrap=
: break-word; padding: 0px;" align=3D"center"> <img data-image-content clas=
s=3D"image_content" style=3D"display: block; height: auto; max-width: 100%;=
" width=3D"590" src=3D"https://files.constantcontact.com/c6db4d74801/9d012a=
36-ae9e-4e25-be75-a56d13d255d3.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </tab=
le> </td> </tr> </table>   <table class=3D"text text--padding-vertical" wid=
th=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table=
-layout: fixed;"> <tr> <td class=3D"text_content-cell content-padding-horiz=
ontal" style=3D"text-align: left; font-family: Century Gothic,Calibri,Helve=
tica,Arial,sans-serif; color: #003c30; font-size: 14px; line-height: 1.2; d=
isplay: block; word-wrap: break-word; padding: 10px 20px;" align=3D"left" v=
align=3D"top"><p style=3D"margin: 0;"><span style=3D"font-size: 22px; color=
: rgb(17, 66, 29); font-weight: bold; font-family: Century Gothic, Calibri,=
 Helvetica, Arial, sans-serif;">Nectar proudly joins Massachusetts Communit=
y Bank at MassHousing in celebrating $5 million in Energy Saver Loan financ=
ing </span></p></td> </tr> </table>  </td> </tr> </table> <table class=3D"l=
ayout layout--1-column" style=3D"table-layout: fixed;" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column colum=
n--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <=
table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td c=
lass=3D"text_content-cell content-padding-horizontal" style=3D"text-align: =
left; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif; color=
: #003c30; font-size: 14px; line-height: 1.2; display: block; word-wrap: br=
eak-word; padding: 10px 20px;" align=3D"left" valign=3D"top">
<table class=3D"image image--float-left scale image--mobile-scale image--mo=
bile-center" align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" style=3D"float: left; mso-table-rspace: 5.75pt;"> <tr> <td class=3D"image=
_container scale stack" align=3D"" valign=3D"" style=3D"padding-top: 0px; p=
adding-bottom: 10px;"> <table class=3D"image_container-caption text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> =
<tr> <td class=3D"text_content-cell" style=3D"text-align: center; font-fami=
ly: Century Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font=
-size: 14px; line-height: 1.2; display: block; word-wrap: break-word; paddi=
ng: 0px;" align=3D"center"> <img data-image-content class=3D"image_content"=
 style=3D"display: block; height: auto; max-width: 100%;" width=3D"275" src=
=3D"https://files.constantcontact.com/c6db4d74801/41ba230a-a85c-4aee-ad22-c=
a69b70aada0.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </table> </td> <td class=
=3D"image_spacer hide" width=3D"15" height=3D"1" align=3D"center" valign=3D=
"top" style=3D"height: 1px; line-height: 1px; padding: 0px;"> <img alt=3D""=
 width=3D"15" height=3D"1" border=3D"0" hspace=3D"0" vspace=3D"0" src=3D"ht=
tps://imgssl.constantcontact.com/letters/images/sys/S.gif"> </td> </tr> </t=
able> <p style=3D"margin: 0;"><span style=3D"background-color: transparent;=
 font-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helveti=
ca, sans-serif;">We mentioned the Energy Saver Home Loan Program earlier &#=
x2014;&#xa0;this fall marks one year since we closed our first loan through=
 the program, which has helped homeowners complete energy efficiency upgrad=
es, save money and boost the value of their homes. Thanks to the leadership=
 of our partners at the </span><a href=3D"https://mlpj6dbbb.cc.rs6.net/tn.j=
sp?f=3D001gVFj9937bWMY9DeyVi9AXv88HtbWetmiyA_fstOb98n_59Lhr7Ib3VLANoxicqRLL=
Rn_YPnxjlKQOsbTOSpUhR-20lBFuB4wdedZKVn6R06WGqnMjmOs5Sg9mjkxY0Bw0BTzwlAW-Sv8=
_XesAYPRjU3RSduhWYN3eNvkkWkTkZ5fMmvvMo6wyI8MfsrZqQuCDYqp4bn4csGFmm5rCPheQon=
PwRz6cBl8&c=3Dp0S6EffOjSZMRrzq0_G8TAHi2cvokmoJa7fwmdg3dIPw8l9QW8qMGw=3D=3D&=
ch=3DGedESVsgU-UsoibZQ1pHUBckumGmlj1zDqDGbsRQd7phsZkRnYTJ_Q=3D=3D" rel=3D"n=
oopener noreferrer" target=3D"_blank" style=3D"background-color: transparen=
t; font-size: 15px; color: rgb(17, 66, 29); font-family: Arial, Verdana, He=
lvetica, sans-serif; text-decoration: underline; font-weight: bold; font-st=
yle: normal;">Massachusetts Community Climate Bank, the Energy Saver Home L=
oan Program</a><span style=3D"background-color: transparent; font-size: 15p=
x; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sans-serif;=
"> celebrated more than $5 million in closed loans earlier this month. As o=
ur Residential Services Director Lissette Paukert put it, this program is t=
ruly making a difference in people&#x2019;s lives.&#xa0;</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif; font-weight: bold;">You can read more about the milestone</span><=
span style=3D"background-color: transparent; font-size: 15px; color: rgb(0,=
 0, 0); font-family: Arial, Verdana, Helvetica, sans-serif;"> </span><a hre=
f=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=3D001gVFj9937bWMY9DeyVi9AXv88Htb=
WetmiyA_fstOb98n_59Lhr7Ib3VLANoxicqRLGDAnRmTHPo3OdSRw_8ECmlzHEZNO9wP7uOgXGh=
rxTjcbU2crzNcCnsXRqMTTFjlsl_D-701Dp1DU906TtVxsHNr4C5_QvjftTVwZIIkm7cX1-POI1=
fOVF6srgyCOptMV9JM279SDf_0iHd_GvPkGWgVLsfWg6ACGuESfknJ8ad4=3D&c=3Dp0S6EffOj=
SZMRrzq0_G8TAHi2cvokmoJa7fwmdg3dIPw8l9QW8qMGw=3D=3D&ch=3DGedESVsgU-UsoibZQ1=
pHUBckumGmlj1zDqDGbsRQd7phsZkRnYTJ_Q=3D=3D" rel=3D"noopener noreferrer" tar=
get=3D"_blank" style=3D"background-color: transparent; font-size: 15px; col=
or: rgb(17, 66, 29); font-family: Arial, Verdana, Helvetica, sans-serif; fo=
nt-weight: bold; text-decoration: underline; font-style: normal;">here</a><=
span style=3D"background-color: transparent; font-size: 15px; color: rgb(0,=
 0, 0); font-family: Arial, Verdana, Helvetica, sans-serif;">. Also, no mat=
ter what financing you&#x2019;ve used, if you successfully installed solar =
panels at your home in 2025, remember that you can claim the federal tax cr=
edit for solar before it expires at the end of the year.</span></p>
<p style=3D"margin: 0;">&#xfeff;<span><br></span>&#xfeff;</p>
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1=
-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stac=
k" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table class=3D"=
image image--mobile-scale image--mobile-center" width=3D"100%" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"image_container" st=
yle=3D"" align=3D"center" valign=3D"top"> <table class=3D"image_container-c=
aption text" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"tabl=
e-layout: fixed;"> <tr> <td class=3D"text_content-cell" style=3D"text-align=
: center; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif; c=
olor: #003c30; font-size: 14px; line-height: 1.2; display: block; word-wrap=
: break-word; padding: 0px;" align=3D"center"> <img data-image-content clas=
s=3D"image_content" style=3D"display: block; height: auto; max-width: 100%;=
" width=3D"589" src=3D"https://files.constantcontact.com/c6db4d74801/eb6382=
34-9225-40c2-abc7-cf5a4fda2a65.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </tab=
le> </td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layou=
t--heading layout--1-column" style=3D"table-layout: fixed;" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column =
column--1 scale stack" style=3D"width: 100%;" align=3D"center" valign=3D"to=
p"> <table class=3D"text text--padding-vertical" width=3D"100%" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> =
<td class=3D"text_content-cell content-padding-horizontal" style=3D"text-al=
ign: center; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif=
; color: #003c30; font-size: 14px; line-height: 1.2; display: block; word-w=
rap: break-word; padding: 10px 20px;" align=3D"center" valign=3D"top"><h1 s=
tyle=3D"text-align: left; font-family: Century Gothic,Calibri,Helvetica,Ari=
al,sans-serif; color: #003c30; font-size: 24px; font-weight: bold; margin: =
0;" align=3D"left">A sweet reopening</h1></td> </tr> </table>  </td> </tr> =
</table> <table class=3D"layout layout--1-column" style=3D"table-layout: fi=
xed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr>=
 <td class=3D"column column--1 scale stack" style=3D"width: 100%;" align=3D=
"center" valign=3D"top"><div class=3D"spacer" style=3D"line-height: 10px; h=
eight: 10px;">&#x200a;</div></td> </tr> </table> <table class=3D"layout lay=
out--1-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scal=
e stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table cla=
ss=3D"text text--padding-vertical" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td class=3D"=
text_content-cell content-padding-horizontal" style=3D"text-align: left; fo=
nt-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c3=
0; font-size: 14px; line-height: 1.2; display: block; word-wrap: break-word=
; padding: 10px 20px;" align=3D"left" valign=3D"top">
<table class=3D"image image--float-left scale image--mobile-scale image--mo=
bile-center" align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" style=3D"float: left; mso-table-rspace: 5.75pt;"> <tr> <td class=3D"image=
_container scale stack" align=3D"" valign=3D"" style=3D"padding-top: 0px; p=
adding-bottom: 10px;"> <table class=3D"image_container-caption text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> =
<tr> <td class=3D"text_content-cell" style=3D"text-align: center; font-fami=
ly: Century Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font=
-size: 14px; line-height: 1.2; display: block; word-wrap: break-word; paddi=
ng: 0px;" align=3D"center"> <img data-image-content class=3D"image_content"=
 style=3D"display: block; height: auto; max-width: 100%;" width=3D"200" src=
=3D"https://files.constantcontact.com/c6db4d74801/031aef09-2aaa-4ddf-a977-d=
0a8e592435b.jpg?rdr=3Dtrue" alt=3D"">  </td> </tr> </table> </td> <td class=
=3D"image_spacer hide" width=3D"15" height=3D"1" align=3D"center" valign=3D=
"top" style=3D"height: 1px; line-height: 1px; padding: 0px;"> <img alt=3D""=
 width=3D"15" height=3D"1" border=3D"0" hspace=3D"0" vspace=3D"0" src=3D"ht=
tps://imgssl.constantcontact.com/letters/images/sys/S.gif"> </td> </tr> </t=
able> <p style=3D"margin: 0;"><span style=3D"background-color: transparent;=
 font-size: 15px; color: rgb(0, 0, 0); font-weight: bold; font-family: Aria=
l, Verdana, Helvetica, sans-serif;">We've been proud to support Lawrence's =
</span><a href=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=3D001gVFj9937bWMY9D=
eyVi9AXv88HtbWetmiyA_fstOb98n_59Lhr7Ib3VLANoxicqRLhgj0gpDybXccdnVu6KydIEjfm=
z27r1HnrlBGNCd_JdfRFFDB3wyna04ZYO8oHtXZcpiWro8EKWb54L-RMZ-6xy02AEoQrz3wEI8B=
AiEJli3Fu5YO0qoGc2khZfllg7JkVtSMuu5P4OY=3D&c=3Dp0S6EffOjSZMRrzq0_G8TAHi2cvo=
kmoJa7fwmdg3dIPw8l9QW8qMGw=3D=3D&ch=3DGedESVsgU-UsoibZQ1pHUBckumGmlj1zDqDGb=
sRQd7phsZkRnYTJ_Q=3D=3D" rel=3D"noopener noreferrer" target=3D"_blank" styl=
e=3D"background-color: transparent; font-size: 15px; font-weight: bold; fon=
t-family: Arial, Verdana, Helvetica, sans-serif; color: #003c30; text-decor=
ation: underline; font-style: normal;">Sweet Grace Heavenly Cakes</a><span =
style=3D"background-color: transparent; font-size: 15px; color: rgb(0, 0, 0=
); font-weight: bold; font-family: Arial, Verdana, Helvetica, sans-serif;">=
 over the years, and it was a joy earlier this month to celebrate the baker=
y's new space on Essex Street.</span><span style=3D"background-color: trans=
parent; font-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, =
Helvetica, sans-serif;"> </span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">Our Small Business Loan Officer </span><a href=3D"https://mlpj6d=
bbb.cc.rs6.net/tn.jsp?f=3D001gVFj9937bWMY9DeyVi9AXv88HtbWetmiyA_fstOb98n_59=
Lhr7Ib3T30I9YUZm02ghS0LO4cwvRhExLplB7WfrIspH_VOz4RZJR_aUpmp8qPy39pnEuZp7cZI=
XWon5k5MGr2_t94xX88iB3L6lctP_kwRQRh-TzTKM-bjGFojYWtKudXYv0nZ9DKEauXa5G6&c=
=3Dp0S6EffOjSZMRrzq0_G8TAHi2cvokmoJa7fwmdg3dIPw8l9QW8qMGw=3D=3D&ch=3DGedESV=
sgU-UsoibZQ1pHUBckumGmlj1zDqDGbsRQd7phsZkRnYTJ_Q=3D=3D" rel=3D"noopener nor=
eferrer" target=3D"_blank" style=3D"background-color: transparent; font-siz=
e: 15px; color: rgb(17, 66, 29); font-family: Arial, Verdana, Helvetica, sa=
ns-serif; font-weight: bold; text-decoration: underline; font-style: normal=
;">Kristin Wallace </a><span style=3D"background-color: transparent; font-s=
ize: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, san=
s-serif;">&#x2014; who had Sweet Grace cakes at her wedding and family birt=
hdays over the years &#x2014; joined Mayor Brian De Pe&#xf1;a, the team fro=
m Rockland Trust, Lawrence City Councilor Ana Levy, Judith Alvarez from His=
panic Image, representatives from Senator Payano's office, Frank Carvalho (=
who founded our legacy organization Mill Cities Community Investments), the=
 entire Sweet Grace team and numerous family and friends for this warm and =
uplifting event. </span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">Owners Andres and Danaris Mazara have worked incredibly hard to =
rebuild the bakery after the building was destroyed in a fire in March 2023=
. With this new chapter, they're bringing jobs, housing and hope to their c=
orner of Lawrence. &#xfeff;<span><br></span>&#xfeff;</span></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">&#xfeff;</span><span style=3D"background-color: transparent; fon=
t-size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, =
sans-serif; font-weight: bold;">Congratulations</span><span style=3D"backgr=
ound-color: transparent; font-size: 15px; color: rgb(0, 0, 0); font-family:=
 Arial, Verdana, Helvetica, sans-serif;">!</span></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">&#xfeff;</span></p>
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1=
-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stac=
k" style=3D"width: 100%;" align=3D"center" valign=3D"top">
<table class=3D"divider" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0"=
 border=3D"0"> <tr> <td class=3D"divider_container content-padding-horizont=
al" style=3D"padding: 10px 20px;" width=3D"100%" align=3D"center" valign=3D=
"top"> <table class=3D"divider_content-row" style=3D"height: 1px; width: 10=
0%;" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"> <tr> <td class=3D"di=
vider_content-cell" style=3D"height: 1px; line-height: 1px; padding-bottom:=
 0px; background-color: #003c30; border-bottom-width: 0px;" height=3D"1" al=
ign=3D"center" bgcolor=3D"#003c30"> <img alt=3D"" width=3D"5" height=3D"1" =
border=3D"0" hspace=3D"0" vspace=3D"0" src=3D"https://imgssl.constantcontac=
t.com/letters/images/1101116784221/S.gif" style=3D"display: block; height: =
1px; width: 5px;"> </td> </tr> </table> </td> </tr> </table> </td> </tr> </=
table> <table class=3D"layout layout--1-column" style=3D"table-layout: fixe=
d;" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <=
td class=3D"column column--1 scale stack" style=3D"width: 100%;" align=3D"c=
enter" valign=3D"top"><div class=3D"spacer" style=3D"line-height: 10px; hei=
ght: 10px;">&#x200a;</div></td> </tr> </table> <table class=3D"layout layou=
t--1-column" style=3D"background-color: #eaf0f0; table-layout: fixed;" widt=
h=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#eaf=
0f0"> <tr> <td class=3D"column column--1 scale stack" style=3D"width: 100%;=
" align=3D"center" valign=3D"top"> <table class=3D"text text--padding-verti=
cal" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"table-layout: fixed;"> <tr> <td class=3D"text_content-cell content-padd=
ing-horizontal" style=3D"text-align: center; font-family: Century Gothic,Ca=
libri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px; line-hei=
ght: 1.2; display: block; word-wrap: break-word; padding: 10px 20px;" align=
=3D"center" valign=3D"top"><h1 style=3D"text-align: left; font-family: Cent=
ury Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 2=
4px; font-weight: bold; margin: 0;" align=3D"left">'Tis the season to shop =
local</h1></td> </tr> </table>  </td> </tr> </table> <table class=3D"layout=
 layout--1-column" style=3D"background-color: #eaf0f0; table-layout: fixed;=
" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=
=3D"#eaf0f0"> <tr> <td class=3D"column column--1 scale stack" style=3D"widt=
h: 100%;" align=3D"center" valign=3D"top"> <table class=3D"text text--paddi=
ng-vertical" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" style=3D"table-layout: fixed;"> <tr> <td class=3D"text_content-cell conte=
nt-padding-horizontal" style=3D"text-align: left; font-family: Century Goth=
ic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px; lin=
e-height: 1.2; display: block; word-wrap: break-word; padding: 10px 20px;" =
align=3D"left" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-weight: bold; font-family: Arial, Ver=
dana, Helvetica, sans-serif;">Buying gifts, meals and other products from l=
ocal small businesses is one of the easiest and most effective ways you can=
 invest in your community. </span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">To simplify your search for a business near you, we're highlight=
ing a few Nectar clients on our social media channels. They're worth a visi=
t this holiday season! And know that every dollar you spend means a great d=
eal to the dedicated entrepreneurs behind the scenes. Check out our </span>=
<a href=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=3D001gVFj9937bWMY9DeyVi9AX=
v88HtbWetmiyA_fstOb98n_59Lhr7Ib3VLANoxicqRLI_38dytKEiVRpNrYC-F-g6rqqNGZ4FxT=
sopJbW1xfGJerYDP1sgi9ntz6403PsbW9jgPRBHFT7L6x6CbL5S_lLqhFy8ZLFr-_6uH6mcAJcH=
uS86tl_ls3w=3D=3D&c=3Dp0S6EffOjSZMRrzq0_G8TAHi2cvokmoJa7fwmdg3dIPw8l9QW8qMG=
w=3D=3D&ch=3DGedESVsgU-UsoibZQ1pHUBckumGmlj1zDqDGbsRQd7phsZkRnYTJ_Q=3D=3D" =
rel=3D"noopener noreferrer" target=3D"_blank" style=3D"background-color: tr=
ansparent; font-size: 15px; font-family: Arial, Verdana, Helvetica, sans-se=
rif; color: #003c30; font-weight: bold; text-decoration: underline; font-st=
yle: normal;">Instagram</a><span style=3D"background-color: transparent; fo=
nt-size: 15px; font-family: Arial, Verdana, Helvetica, sans-serif; color: r=
gb(0, 0, 0);"> and </span><a href=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=
=3D001gVFj9937bWMY9DeyVi9AXv88HtbWetmiyA_fstOb98n_59Lhr7Ib3bB_j_mW5ggg-8vB-=
nCr9N8cVdYfWl0E0P16iOk_sDQMYGdtcK4KcRCOznAEbsB5CXG5jYKcxmQnlRXygJjfU7flvulY=
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t-size: 15px; font-family: Arial, Verdana, Helvetica, sans-serif; color: #0=
03c30; font-weight: bold; text-decoration: underline; font-style: normal;">=
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font-family: Arial, Verdana, Helvetica, sans-serif; color: rgb(0, 0, 0);"> =
feeds to learn more.</span></p>
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ing: 0px;" align=3D"center"> <img data-image-content class=3D"image_content=
" style=3D"display: block; height: auto; max-width: 100%;" width=3D"589" sr=
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table>  </td> </tr> </table> <table class=3D"layout layout--1-column" style=
=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0"> <tr></tr> </table> <table class=3D"layout layout--1-column"=
 style=3D"background-color: #ffffff; table-layout: fixed;" width=3D"100%" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#ffffff"> <tr> <=
td class=3D"column column--1 scale stack" style=3D"width: 100%;" align=3D"c=
enter" valign=3D"top"> <table class=3D"text text--padding-vertical" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-l=
ayout: fixed;"> <tr> <td class=3D"text_content-cell content-padding-horizon=
tal" style=3D"text-align: left; font-family: Century Gothic,Calibri,Helveti=
ca,Arial,sans-serif; color: #003c30; font-size: 14px; line-height: 1.2; dis=
play: block; word-wrap: break-word; padding: 10px 20px;" align=3D"left" val=
ign=3D"top">
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"font-size: 24px; color: rgb(17, 66, =
29); font-family: Arial, Verdana, Helvetica, sans-serif; font-weight: bold;=
">Double your impact before the end of 2025</span></p>
</td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout--1=
-column" style=3D"background-color: #ffffff; table-layout: fixed;" width=3D=
"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#ffffff"=
> <tr> <td class=3D"column column--1 scale stack" style=3D"width: 100%;" al=
ign=3D"center" valign=3D"top"> <table class=3D"text text--padding-vertical"=
 width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"t=
able-layout: fixed;"> <tr> <td class=3D"text_content-cell content-padding-h=
orizontal" style=3D"text-align: left; font-family: Century Gothic,Calibri,H=
elvetica,Arial,sans-serif; color: #003c30; font-size: 14px; line-height: 1.=
2; display: block; word-wrap: break-word; padding: 10px 20px;" align=3D"lef=
t" valign=3D"top">
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif; font-weight: bold;">Are you a Massachusetts resident who wants to=
 earn state tax credits while investing in your community? </span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">That's exactly what you can do through the Massachusetts Executi=
ve Office of Housing and Livable Communities Community Investment Tax Credi=
t (CITC) program. </span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif; font-weight: bold;">Through the CITC program, donations of $1,000=
 or more to Nectar are eligible for a 50% refundable state tax credit &#x20=
13; so when you give more, you get half back.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"background-color: transparent; font-=
size: 15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sa=
ns-serif;">As you make plans for your end-of-year giving, please consider s=
upporting Nectar and taking advantage of this unique opportunity. But no ma=
tter the size, your donation will go a long way in helping strengthen our c=
ommunities.</span></p>
<p style=3D"margin: 0;"><br></p>
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ecJPRvdVDsu4Nu9e9JE&c=3Dp0S6EffOjSZMRrzq0_G8TAHi2cvokmoJa7fwmdg3dIPw8l9QW8q=
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plianceAddress_content-cell content-padding-horizontal" align=3D"center" st=
yle=3D"color: #595959; font-family: Verdana,Geneva,sans-serif; font-size: 1=
2px; line-height: 1.2; padding: 10px 20px;"> <p style=3D"margin: 0;"><span>=
Nectar Community Investments | </span><span>50 Island Street, Entry B, Suit=
e 103</span><span>   | </span><span>Lawrence, MA 01840 US</span></p> </td> =
</tr> </table>   <table class=3D"complianceLinks complianceLinks--padding-v=
ertical" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <=
tr> <td class=3D"complianceLinks_content-cell content-padding-horizontal" a=
lign=3D"center" style=3D"color: #595959; font-family: Verdana,Geneva,sans-s=
erif; font-size: 12px; line-height: 1.2; padding: 10px 20px;"> <p style=3D"=
margin: 0;"> <a href=3D"https://visitor.constantcontact.com/do?p=3Dun&m=3D0=
01y_-3lbWgqPYlq282NadnUw%3D&ch=3D4501f3ca-fe59-11ec-9be4-fa163e470cab&ca=3D=
0eb67250-b8ce-413c-b4ab-c83de3cbdbc8" data-track=3D"false" style=3D"color: =
inherit;">Unsubscribe<span></span></a><span> | </span><span></span><span><a=
 href=3D"https://visitor.constantcontact.com/do?p=3Doo&m=3D001y_-3lbWgqPYlq=
282NadnUw%3D&ch=3D4501f3ca-fe59-11ec-9be4-fa163e470cab&ca=3D0eb67250-b8ce-4=
13c-b4ab-c83de3cbdbc8" data-track=3D"false" style=3D"color: inherit;">Updat=
e Profile</a></span><span> | </span><span><span></span><a href=3D"https://w=
ww.constantcontact.com/legal/customer-contact-data-notice" data-track=3D"fa=
lse" style=3D"color: inherit;">Constant Contact Data Notice</a></span> </p>=
 </td> </tr> </table>  </td> </tr> </table>  </td> </tr> </table> </td> </t=
r> </table> </td> </tr> <tr class=3D""> <td class=3D"shell_panel-cell shell=
_panel-cell--footer" style=3D"background-color: #FFFFFF;" align=3D"center" =
valign=3D"top" bgcolor=3D"#FFFFFF"> <table class=3D"shell_width-row scale" =
style=3D"width: 610px;" align=3D"center" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0"> <tr> <td class=3D"shell_width-cell" style=3D"padding: 0px 1=
0px;" align=3D"center" valign=3D"top"> <table class=3D"shell_content-row" w=
idth=3D"100%" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0"> <tr> <td class=3D"shell_content-cell" style=3D"background-color: tr=
ansparent; padding: 0; border: 0 solid #003c30;" align=3D"center" valign=3D=
"top" bgcolor=3D"transparent"> <table class=3D"layout layout--1-column" sty=
le=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stack" style=3D"=
width: 100%;" align=3D"center" valign=3D"top"> <table class=3D"image image-=
-mobile-center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0"> <tr> <td class=3D"image_container" style=3D"" align=3D"center" vali=
gn=3D"top"> <table class=3D"image_container-caption text" border=3D"0" cell=
padding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td cl=
ass=3D"text_content-cell" style=3D"text-align: center; font-family: Century=
 Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px=
; line-height: 1.2; display: block; word-wrap: break-word; padding: 0px;" a=
lign=3D"center"> <a href=3D"https://www.constantcontact.com/landing1/vr/hom=
e?cc=3Dnge&utm_campaign=3Dnge&rmc=3DVF21_CPE&utm_medium=3DVF21_CPE&utm_sour=
ce=3Dviral&pn=3DROVING&nav=3D0eb67250-b8ce-413c-b4ab-c83de3cbdbc8" data-tra=
ckable=3D"false" style=3D"color: #003c30; font-weight: bold; text-decoratio=
n: underline; font-style: normal;"><img data-image-content class=3D"image_c=
ontent" style=3D"display: block; height: auto; max-width: 100%;" width=3D"2=
20" src=3D"https://imgssl.constantcontact.com/letters/images/CPE/referralLo=
gos/H-Stacked-FC-WhiteBG-Email-Footer.png" alt=3D"Constant Contact"></a>  <=
/td> </tr> </table> </td> </tr> </table>  </td> </tr> </table>  </td> </tr>=
 </table> </td> </tr> </table> </td> </tr>  </table> </div>  </body>  </htm=
l>

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