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Date: Thu, 20 Nov 2025 09:15:18 -0500 (EST)
From: Nectar Community Investments  <glynn.lloyd@nectarinvests.org>
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To: revbrian@goodshepherdreading.com
Subject: Gratitude that grows
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Email from Nectar Community Investments November updates: Thank you for sta=
nding with us November 2025 Dear friends, Our work investing in community m=
eans that we make many connections in=E2=80=A6well, our communities. Those =
connections and the conversations they facilitate are the bedrock of our mi=
ssion and work; they=E2=80=99re essential for us as we strive to understand=
 what entrepreneurs and homeowners need and tailor our offerings accordingl=
y. We wouldn=E2=80=99t be who we are without them.  So, as we enter this se=
ason of giving, we=E2=80=99re taking an intentional moment to pause and say=
 thank you. To the clients, ecosystem partners and supporters who make up o=
ur Massachusetts and Rhode Island communities: you have helped build Nectar=
 into the organization it is today, and we truly appreciate the partnership=
 we=E2=80=99ve built together.  We also can=E2=80=99t have a proper express=
ion of gratitude without thanking the Nectar staff. Our small but mighty te=
am goes above and beyond every day to keep our mission at the center of the=
ir work, taking extra time to empower and support homeowners and small busi=
ness owners as they pursue their dreams. There=E2=80=99s so much that goes =
on behind the scenes, and they do it all with a sense of passion and dedica=
tion. If you see a Nectar team member this month, be sure to say thank you =
to them as well. We=E2=80=99ll spend the month sharing how all this gratitu=
de has led to growth in our cities and towns. Tune in on our social channel=
s to learn more! With gratitude (this month, and every month),  The Nectar =
Community Investments team A beacon for clean energy Our residential lendin=
g team recently attended the Climate Beacon Conference in Boston, connectin=
g with civic leaders, innovators and community advocates to help chart a pa=
th toward a clean, equitable energy future. =EF=BB=BFSpeakers highlighted m=
ajor increases in U.S. energy capacity thanks to solar, wind and battery st=
orage, along with efforts to build trust and collaboration in how we make e=
nergy decisions. We also learned about programs like Eversource=E2=80=99s e=
quity framework and the Community Climate Advisory Council, which are resha=
ping how utilities, nonprofits, and residents co-create a sustainable futur=
e. =EF=BB=BFThanks to the team at Climate Beacon for organizing this inform=
ative conference! Saul Pe=C3=B1a shares access to capital essentials at El =
Mundo Boston's Small Business Summit =E2=80=8A Our Small Business Loan Offi=
cer Saul Pe=C3=B1a joined El Mundo Boston's Latino Small Business Summit ea=
rlier this week, speaking on a panel about how entrepreneurs can access cap=
ital. Saul shared how Nectar, as a CDFI, can offer non-traditional financin=
g as a great starting point for new businesses. The event also went into de=
pth on essential topics for small business owners, including how to registe=
r with the state, develop a business plan, and connect with trusted banks, =
accountants and lawyers. Thanks to El Mundo for hosting and running this in=
formative event, and to all the entrepreneurs who attended. Welcoming Nia K=
. Evans to Nectar's board Please join us in welcoming Boston Ujima Project =
Executive Director Nia K. Evans to the Nectar board! =EF=BB=BFIn her role, =
Nia focuses on organizing Greater Boston area neighbors, workers, business =
owners, and investors to create a community-controlled economy. We're thril=
led to have her expertise and passion guiding our organizational strategy. =
You can see our full list of board members on our website. Finding engageme=
nt and energy at #OFN41 Connecting with other CDFIs at Opportunity Finance =
Network's annual conference in Washington, D.C., in late October reminded u=
s how resilient our sector is, and we came out of the conference energized =
for the work ahead. Our Executive Director, Glynn Lloyd, had the opportunit=
y to present during a workshop about mergers and collaboration. He shared d=
etails and lessons learned about the merger between our legacy organization=
s, Mill Cities Community Investments and the Foundation for Business Equity=
, that led to Nectar's creation. Thanks to our friends at OFN for organizin=
g a great week! =EF=BB=BFSupport Nectar and earn tax credits Are you a Mass=
achusetts resident who wants to earn state tax credits while investing in y=
our community? That's exactly what you can do through the Massachusetts Exe=
cutive Office of Housing and Livable Communities Community Investment Tax C=
redit (CITC) program. =EF=BB=BFNectar received the maximum award, which inc=
entivizes donors with a 50 percent refundable state tax credit to support t=
he organization=E2=80=99s work of providing capital, advisory services and =
other assistance to small business owners and homeowners. As you make plans=
 for your end-of-year giving, please consider supporting Nectar and taking =
advantage of this unique opportunity. Support Nectar     nectarinvests.org =
=E2=80=8A Nectar Community Investments | 50 Island Street, Entry B, Suite 1=
03 | 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"1.51.4" 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">November updates: Thank you for standing wi=
th us</span></div> <div id=3D"tracking-image" style=3D"color: transparent; =
display: none; font-size: 1px; line-height: 1px; max-height: 0px; max-width=
: 0px; opacity: 0; overflow: hidden;"><img src=3D"https://mlpj6dbbb.cc.rs6.=
net/on.jsp?ca=3Daa57665d-1b49-4e28-b072-ab15ca077c7e&a=3D1135076490604&c=3D=
44ec2a2c-fe59-11ec-9be4-fa163e470cab&ch=3D4501f3ca-fe59-11ec-9be4-fa163e470=
cab" / alt=3D""></div> <div class=3D"shell" lang=3D"en-US" dir=3D"ltr" styl=
e=3D"background-color: #f0f4f4;">    <table class=3D"shell_panel-row" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"backgro=
und: #f0f4f4 url('') no-repeat center top / cover;" bgcolor=3D"#f0f4f4" bac=
kground=3D""> <tr class=3D""> <td class=3D"shell_panel-cell" style=3D"backg=
round-color: #e1e34f;" align=3D"center" valign=3D"top" bgcolor=3D"#e1e34f">=
 <table class=3D"shell_width-row scale" style=3D"width: 610px;" align=3D"ce=
nter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"s=
hell_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; padd=
ing: 0; border: 0px solid #e1e34f;" align=3D"center" valign=3D"top" bgcolor=
=3D"#eaf0f0"> <table class=3D"layout layout--1-column" style=3D"table-layou=
t: 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%;" ali=
gn=3D"center" valign=3D"top"> <table class=3D"image image--mobile-scale ima=
ge--mobile-center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0"> <tr> <td class=3D"image_container" style=3D"" align=3D"center" val=
ign=3D"top"> <table class=3D"image_container-caption text" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"table-layout: fixed;"> <tr> <td c=
lass=3D"text_content-cell" style=3D"text-align: center; font-family: Centur=
y Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14p=
x; line-height: 1.2; display: block; word-wrap: break-word; padding: 0px;" =
align=3D"center"> <img data-image-content class=3D"image_content" style=3D"=
display: block; height: auto; max-width: 100%;" width=3D"588" src=3D"https:=
//files.constantcontact.com/c6db4d74801/cd58a48d-49c8-488b-8fbe-d3ff4db3b8b=
0.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </table> </td> </tr> </table>  </t=
d> </tr> </table> <table class=3D"layout layout--1-column" style=3D"table-l=
ayout: 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"text text--padding-vertic=
al" 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: left; font-family: Century Gothic,Cali=
bri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px; line-heigh=
t: 1.2; display: block; word-wrap: break-word; padding: 10px 20px;" align=
=3D"left" valign=3D"top"><p style=3D"text-align: right; margin: 0;" align=
=3D"right"><span style=3D"color: rgb(0, 24, 19);">November 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" cellpadd=
ing=3D"0" cellspacing=3D"0"> <tr></tr> </table> <table class=3D"layout layo=
ut--1-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" ce=
llpadding=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 clas=
s=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"line-height: 1.2; te=
xt-align: left; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-se=
rif; color: #003c30; font-size: 14px; display: block; word-wrap: break-word=
; padding: 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-family: Arial, Verdana, Helvetica, sans-serif; font-weight: bold;">D=
ear friends,</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><span style=3D"font-size: 15px; color: rgb(0, 0, 0)=
; font-family: Arial, Verdana, Helvetica, sans-serif; background-color: tra=
nsparent;">Our work investing in community means that we make many connecti=
ons in&#x2026;well, our communities. Those connections and the conversation=
s they facilitate are the bedrock of our mission and work; they&#x2019;re e=
ssential for us as we strive to understand what entrepreneurs and homeowner=
s need and tailor our offerings accordingly. We wouldn&#x2019;t be who we a=
re without them.&#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;">So, as we enter this season of giving, we&#x2019;re taking an in=
tentional moment to pause and say thank you. To the clients, ecosystem part=
ners and supporters who make up our Massachusetts and Rhode Island communit=
ies: you have helped build Nectar into the organization it is today, and we=
 truly appreciate the partnership we&#x2019;ve built together.&#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;">We also can&#x2019;t have a proper expression of gratitude witho=
ut thanking the Nectar staff. Our small but mighty team goes above and beyo=
nd every day to keep our mission at the center of their work, taking extra =
time to empower and support homeowners and small business owners as they pu=
rsue their dreams. There&#x2019;s so much that goes on behind the scenes, a=
nd they do it all with a sense of passion and dedication. If you see a Nect=
ar team member this month, be sure to say thank you to them as well.</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;">We&#x2019;ll spend the month sharing how all this gratitude has =
led to growth in our cities and towns. Tune in on our social channels to le=
arn more!</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 (this month, and every month),&#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;">The Nectar Community Investments team</span></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/fa5317=
b7-9d58-442e-addf-d3d27d615499.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;">A beacon for clean energy</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" cellpadding=3D=
"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale stack" styl=
e=3D"width: 100%;" align=3D"center" valign=3D"top"> <table class=3D"text te=
xt--padding-vertical" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" style=3D"table-layout: fixed;"> <tr> <td class=3D"text_content-c=
ell content-padding-horizontal" style=3D"text-align: left; font-family: Cen=
tury Gothic,Calibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: =
14px; line-height: 1.2; display: block; word-wrap: break-word; padding: 10p=
x 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/b6d7d18a-c04c-4581-bcd9-d=
c8142f631f6.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;">Our residential lending team recently a=
ttended the </span><a href=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=3D001Fp=
C4U2zgbg7NQtFEmC8Jazt3Udc79dZhCyEFT6IFJdW4ZJVMqGGOQ6eFgXN1L2y1iXFOJAIqjgdD7=
Aeixn_5YCPmtDfno3xOVR11OODKRdmteBg9nY3UDN7mqAVeJV1yhHw4RcvjNwXLvsddASdij-sy=
G0EMkSzxR0RDEDlo7tY6ezNlqJuXGA=3D=3D&c=3DODveLTRY8ZA0tgXYQPn6ZfjrJIz1ZLaEYW=
CVLMkgta2-cNeFSnFWUQ=3D=3D&ch=3DgdZYQO42kYAk0gn9PtsscoEuD5CeMMcN5x8HHAGKIIj=
3RLbMYHy8Gg=3D=3D" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"b=
ackground-color: transparent; font-size: 15px; color: rgb(17, 66, 29); font=
-weight: bold; font-family: Arial, Verdana, Helvetica, sans-serif; text-dec=
oration: underline; font-style: normal;">Climate Beacon Conference</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;"=
> in Boston</span><span style=3D"background-color: transparent; font-size: =
15px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sans-ser=
if;">, connecting with civic leaders, innovators and community advocates to=
 help chart a path toward a clean, equitable energy future. </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;">&#xfeff;Speakers highlighted major increases in U.S. energy capa=
city thanks to solar, wind and battery storage, along with efforts to build=
 trust and collaboration in how we make energy decisions. We also learned a=
bout programs like Eversource&#x2019;s equity framework and the Community C=
limate Advisory Council, which are reshaping how utilities, nonprofits, and=
 residents co-create a sustainable future. </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;"><span class=3D"ql-cursor">&#xfeff;</span>Thanks to the team at C=
limate Beacon for organizing this informative conference!</span></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"589" src=3D"https://files.constantcontact.com/c6db4d74801/8f4134=
d9-0109-45a9-97df-ad593a8d231f.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">Saul Pe&#xf1;a shares access to capital essentials at El=
 Mundo Boston's Small Business Summit</h1></td> </tr> </table>  </td> </tr>=
 </table> <table class=3D"layout layout--1-column" style=3D"table-layout: f=
ixed;" 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=
; height: 10px;">&#x200a;</div></td> </tr> </table> <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 s=
cale stack" style=3D"width: 100%;" align=3D"center" valign=3D"top"> <table =
class=3D"text text--padding-vertical" width=3D"100%" border=3D"0" cellpaddi=
ng=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: #0=
03c30; 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/c6db4d74801/17c14a41-b500-4572-94e7-8=
b5812bda10c.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"font-size: 16px; color: rgb(0,=
 0, 0); font-weight: bold;">Our Small Business Loan Officer </span><a href=
=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=3D001FpC4U2zgbg7NQtFEmC8Jazt3Udc7=
9dZhCyEFT6IFJdW4ZJVMqGGOQwQzgJrTrUV_Q3QywOyZKziqx5cwTqxn4VEALlAELxl2wwu_bSr=
uyL9cocpfCLf7whpGkRJivp4xoJN8OYxb7KcVmBfacPoyutntmVHggOuv9gq4Ve5ZnZnt1naRVO=
fk9g=3D=3D&c=3DODveLTRY8ZA0tgXYQPn6ZfjrJIz1ZLaEYWCVLMkgta2-cNeFSnFWUQ=3D=3D=
&ch=3DgdZYQO42kYAk0gn9PtsscoEuD5CeMMcN5x8HHAGKIIj3RLbMYHy8Gg=3D=3D" rel=3D"=
noopener noreferrer" target=3D"_blank" style=3D"font-size: 16px; font-weigh=
t: bold; color: rgb(17, 66, 29); text-decoration: underline; font-style: no=
rmal;">Saul Pe&#xf1;a </a><span style=3D"font-size: 16px; color: rgb(0, 0, =
0); font-weight: bold;">joined </span><a href=3D"https://mlpj6dbbb.cc.rs6.n=
et/tn.jsp?f=3D001FpC4U2zgbg7NQtFEmC8Jazt3Udc79dZhCyEFT6IFJdW4ZJVMqGGOQ3BCik=
SLCZ6qniLp1lD8LVyY8ASv7eCjPpFLkg859WWCL7H7ocGuIhjTjoSD8IHvtRK8ihIxZcqYPvDZ6=
4aIhkKdZr6xot03EbgXSBeN_KC7&c=3DODveLTRY8ZA0tgXYQPn6ZfjrJIz1ZLaEYWCVLMkgta2=
-cNeFSnFWUQ=3D=3D&ch=3DgdZYQO42kYAk0gn9PtsscoEuD5CeMMcN5x8HHAGKIIj3RLbMYHy8=
Gg=3D=3D" rel=3D"noopener noreferrer" target=3D"_blank" style=3D"font-size:=
 16px; font-weight: bold; color: rgb(17, 66, 29); text-decoration: underlin=
e; font-style: normal;">El Mundo Boston's</a><span style=3D"font-size: 16px=
; color: rgb(0, 0, 0); font-weight: bold;"> Latino Small Business Summit ea=
rlier this week, speaking on a panel about how entrepreneurs can access cap=
ital.</span><span style=3D"font-size: 16px; color: rgb(0, 0, 0);"> Saul sha=
red how Nectar, as a CDFI, can offer non-traditional financing as a great s=
tarting point for new businesses. The event also went into depth on essenti=
al topics for small business owners, including how to register with the sta=
te, develop a business plan, and connect with trusted banks, accountants an=
d lawyers. Thanks to El Mundo for hosting and running this informative even=
t, and to all the entrepreneurs who attended.</span></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"589" src=3D"https://files.constantcontact.com/c6db4d74801/f35cf9=
7f-1738-45b9-96a7-b257e4e7b650.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </tab=
le> </td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layou=
t--1-column" style=3D"background-color: #ffffff; table-layout: fixed;" widt=
h=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#fff=
fff"> <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: left; font-family: Century Gothic,Cali=
bri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px; line-heigh=
t: 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"font-size: =
24px; color: rgb(17, 66, 29); font-family: Arial, Verdana, Helvetica, sans-=
serif; font-weight: bold;">Welcoming Nia K. Evans to Nectar's board</span><=
/p></td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout=
--2-column" style=3D"background-color: #ffffff; table-layout: fixed;" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#ffff=
ff"> <tr> <td class=3D"column column--1 scale stack" style=3D"width: 55%;" =
align=3D"center" valign=3D"top"> <table class=3D"text text--article text--p=
adding-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 10=
px 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;">Please join us in welcoming Boston Ujima Proj=
ect Executive Director Nia K. Evans to the Nectar board! </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-weight: bold; font-family: Arial, Ver=
dana, Helvetica, sans-serif;">&#xfeff;</span><span style=3D"background-colo=
r: transparent; font-size: 15px; color: rgb(0, 0, 0); font-family: Arial, V=
erdana, Helvetica, sans-serif;">In her role, Nia focuses on organizing Grea=
ter Boston area neighbors, workers, business owners, and investors to creat=
e a community-controlled economy. We're thrilled to have her expertise and =
passion guiding our organizational strategy. You can see our full list of b=
oard members</span><a href=3D"https://mlpj6dbbb.cc.rs6.net/tn.jsp?f=3D001Fp=
C4U2zgbg7NQtFEmC8Jazt3Udc79dZhCyEFT6IFJdW4ZJVMqGGOQ6eFgXN1L2y13Ybd40G3c1EeA=
VzAEZFkLDKtkW6pwG5s15RgOeoxy9FpQRtXY80zLsZ1B8oVZAqRa-sVeqWiPiguXkXNsgGLNW4O=
clqNr3LzzTqdHbld-AWBapojzf_ocQlsQCsHaxIH&c=3DODveLTRY8ZA0tgXYQPn6ZfjrJIz1ZL=
aEYWCVLMkgta2-cNeFSnFWUQ=3D=3D&ch=3DgdZYQO42kYAk0gn9PtsscoEuD5CeMMcN5x8HHAG=
KIIj3RLbMYHy8Gg=3D=3D" rel=3D"noopener noreferrer" target=3D"_blank" style=
=3D"background-color: transparent; font-size: 15px; color: rgb(17, 85, 204)=
; font-family: Arial, Verdana, Helvetica, sans-serif; text-decoration: none=
; font-weight: bold; font-style: normal;"> </a><a href=3D"https://mlpj6dbbb=
.cc.rs6.net/tn.jsp?f=3D001FpC4U2zgbg7NQtFEmC8Jazt3Udc79dZhCyEFT6IFJdW4ZJVMq=
GGOQ6eFgXN1L2y13Ybd40G3c1EeAVzAEZFkLDKtkW6pwG5s15RgOeoxy9FpQRtXY80zLsZ1B8oV=
ZAqRa-sVeqWiPiguXkXNsgGLNW4OclqNr3LzzTqdHbld-AUpLwqK_P9EQaj2TfdtDlOU&c=3DOD=
veLTRY8ZA0tgXYQPn6ZfjrJIz1ZLaEYWCVLMkgta2-cNeFSnFWUQ=3D=3D&ch=3DgdZYQO42kYA=
k0gn9PtsscoEuD5CeMMcN5x8HHAGKIIj3RLbMYHy8Gg=3D=3D" rel=3D"noopener noreferr=
er" target=3D"_blank" style=3D"background-color: transparent; font-size: 15=
px; color: rgb(17, 66, 29); font-family: Arial, Verdana, Helvetica, sans-se=
rif; text-decoration: underline; font-weight: bold; font-style: normal;">on=
 our website</a><span style=3D"background-color: transparent; font-size: 15=
px; color: rgb(17, 66, 29); font-family: Arial, Verdana, Helvetica, sans-se=
rif; text-decoration: underline;">.</span></p>
<p style=3D"margin: 0;"><br></p>
<p style=3D"margin: 0;"><br></p>
</td> </tr> </table>  </td>  <td class=3D"column column--2 scale stack" sty=
le=3D"width: 45%;" align=3D"center" valign=3D"top"> <table class=3D"image i=
mage--padding-vertical image--mobile-scale image--mobile-center" width=3D"1=
00%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"im=
age_container content-padding-horizontal" style=3D"padding: 10px 20px 10px =
10px;" align=3D"right" valign=3D"top"> <table class=3D"image_container-capt=
ion text" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"table-l=
ayout: fixed;"> <tr> <td class=3D"text_content-cell" style=3D"text-align: c=
enter; font-family: Century Gothic,Calibri,Helvetica,Arial,sans-serif; colo=
r: #003c30; font-size: 14px; line-height: 1.2; display: block; word-wrap: b=
reak-word; padding: 0px;" align=3D"center"> <img data-image-content class=
=3D"image_content" style=3D"display: block; height: auto; max-width: 100%;"=
 width=3D"201" src=3D"https://files.constantcontact.com/c6db4d74801/325a84e=
a-2af6-40d3-9062-9586517d5b14.png?rdr=3Dtrue" alt=3D"">  </td> </tr> </tabl=
e> </td> </tr> </table>  </td> </tr> </table> <table class=3D"layout layout=
--1-column" style=3D"table-layout: fixed;" width=3D"100%" border=3D"0" cell=
padding=3D"0" cellspacing=3D"0"> <tr> <td class=3D"column column--1 scale s=
tack" 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"text-align: center; fon=
t-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;" align=3D"center" valign=3D"top">
<h1 style=3D"text-align: left; font-family: Century Gothic,Calibri,Helvetic=
a,Arial,sans-serif; color: #003c30; font-size: 24px; font-weight: bold; mar=
gin: 0;" align=3D"left"><br></h1>
<h1 style=3D"text-align: left; font-family: Century Gothic,Calibri,Helvetic=
a,Arial,sans-serif; color: #003c30; font-size: 24px; font-weight: bold; mar=
gin: 0;" align=3D"left">Finding engagement and energy at #OFN41</h1>
</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"=
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_co=
ntent-cell content-padding-horizontal" style=3D"text-align: left; 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: 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"229" src=
=3D"https://files.constantcontact.com/c6db4d74801/b03de693-ab3a-428a-ac19-5=
9f8cb2cc704.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; font-weight: bold;">Connecting with other CDFIs at Opportun=
ity Finance Network's annual conference in Washington, D.C., in late Octobe=
r reminded us how resilient our sector is, and we came out of the conferenc=
e energized for the work ahead.</span><span style=3D"background-color: tran=
sparent; 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 Executive Director, Glynn Lloyd, had the opportunity to pres=
ent during a workshop about mergers and collaboration. He shared details an=
d lessons learned about the merger between our legacy organizations, Mill C=
ities Community Investments and the Foundation for Business Equity, that le=
d to Nectar's creation. Thanks to our friends at OFN for organizing a great=
 week!</span></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></tr> </table> <table class=3D"layout lay=
out--1-column" style=3D"background-color: #ffffff; table-layout: fixed;" wi=
dth=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" bgcolor=3D"#f=
fffff"> <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-ver=
tical" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" styl=
e=3D"table-layout: fixed;"> <tr> <td class=3D"text_content-cell content-pad=
ding-horizontal" style=3D"text-align: left; font-family: Century Gothic,Cal=
ibri,Helvetica,Arial,sans-serif; color: #003c30; font-size: 14px; line-heig=
ht: 1.2; display: block; word-wrap: break-word; padding: 10px 20px;" align=
=3D"left" valign=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-weight: bold; font-family: Arial, Verdana, Helvetica, sans-serif;=
">&#xfeff;Support Nectar and earn tax credits</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><span sty=
le=3D"background-color: transparent; font-size: 15px; color: rgb(0, 0, 0); =
font-family: Arial, Verdana, Helvetica, sans-serif;">That's exactly what yo=
u can do through the Massachusetts Executive Office of Housing and Livable =
Communities Community Investment Tax Credit (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;"><span class=3D"ql-cursor">&#xfeff;</span>Nectar received the max=
imum award, which incentivizes donors with a 50 percent refundable state ta=
x credit to support the organization&#x2019;s work of providing capital, ad=
visory services and other assistance to small business owners and homeowner=
s. </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;">As you make plans for your end-of-year giving=
, please consider supporting Nectar and taking advantage of this unique opp=
ortunity.</span><span style=3D"background-color: transparent; font-size: 15=
px; color: rgb(0, 0, 0); font-family: Arial, Verdana, Helvetica, sans-serif=
;"> </span></p>
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ufNsqwVyIue0cDeF1Fh&c=3DODveLTRY8ZA0tgXYQPn6ZfjrJIz1ZLaEYWCVLMkgta2-cNeFSnF=
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