Message-ID: &lt;1101856447224.1101291778782.209.5.4012302E@scheduler&gt;
Date: Wed, 7 Nov 2007 12:30:36 -0500 (EST)
From: The Genesis Fund &lt;info@genesisfund.org&gt;
Reply-To: heidi@genesisfund.org
To: mlongreene2@aol.com
Subject: The Lending Hand e-newsletter
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November  2007
What&#x27;s New at Genesis
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

With I&#x27;M HOME grant, the Genesis Fund launches mobile home park conversion program
Loans support affordable housing on Peaks Island and Vinalhaven
The holiday gift that supports the work of nonprofits across Maine
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


2007 Genesis Fund Annual Report on-line - http://rs6.net/tn.jsp?e=001zvuertQV5CigYSVGWC2_EUGqjgwcur5T3AbZMA9Q-yB4nqjHjzd1UuW6r-UCQc9xM4Ncp3XdiX73Z7Zgnci2hUZb9r-7Gr85Kxu35wyvqEloXf5g9WeNaNDK6O0lbRnJcE_3DrhPvE0mPAU1LRk6OA==
Visit our slide show highlighting Genesis Fund projects - http://rs6.net/tn.jsp?e=001zvuertQV5CgyGzEb1Qv1aKr9mJuOiRhwg5frmasu51Lo7VD-3Gtqco8-3pB3wn6KGlm3ZrPQjw3YVsbum_2kld2IGQuqStMS6JIi1AksPjEHOTS0RlJF-N7bW2KnNNyUs5YfylUe8vHhVENO-zZ3kMKOT-LF6cWf
Today&#x27;s news about affordable housing in the U.S. - http://rs6.net/tn.jsp?e=001zvuertQV5ChfXp9szeLW0ZBPukCy8q-dQgaqxgfjNMH4EaOdaRFr_2IeyJI-Z-PVPI69m8aKJDAtus_CfhxhtFbf-vd4CQpg3E67vqls9BZPPYSLenIyXLMTSwCZOi4AESX1e6KYIPw=
Join our mailing list!
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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

The Lending Hand e-Newsletter

The Genesis Fund 
Our
mission is to help Maine nonprofit groups
working to create
affordable housing and other economic and social
opportunities in their communities by
offering innovative financing, expert
assistance, and help in leveraging other
sources of funding.


With I&#x27;M HOME grant, the Genesis Fund launches mobile home park conversion program
Yvonne Mickles hired as program coordinator
This fall, the Genesis Fund board and staff
received the good news from the Corporation
for Enterprise Development that it has been
awarded a $50,000 Catalyst Grant from its I&#x27;M
HOME program (Innovations in Manufactured
Homes). 

The grant will allow the
Genesis Fund to move
full speed ahead with efforts to help
residents of some of Maine &#x27;s 552 mobile home
parks convert from investor-owned parks to
resident-owned cooperatives. The Genesis
Fund&#x27;s sister loan fund, the New Hampshire
Community Loan Fund, has, since 1983, been
successful in helping residents who occupy
the greatest share of unsubsidized affordable
housing in the nation to organize,
incorporate, purchase and manage their own
mobile home parks. Eighty-seven parks have been
converted in New Hampshire and its successful
process has been adapted for use in other
states. 


With funds from the grant, the Genesis Fund
has hired Yvonne Mickles as program
coordinator in the effort to identify and
assist up to three mobile home parks convert
to resident ownership over the next 18 month.
Mickles, who has worked as a Homeless
Initiatives Coordinator at MaineHousing, is
currently Associate Director of Community
Impact at United Way of Midcoast Maine.
Mickles will begin work at the end of
November. 


Genesis Fund Associate Director Liza
Fleming-Ives, who wrote the grant, is
thrilled that Mickles has accepted the job.
&quot;Whether it is sitting at someone&#x27;s kitchen
table talking about joining a cooperative or
testifying before a legislative committee on
behalf of this work, we&#x27;re confident that
Yvonne is equipped to handle it all.&quot;


read on... - http://rs6.net/tn.jsp?e=001zvuertQV5Cgo19mKUoIUUwO0TkNFnriGEYjeD2JDFz8NUofm-PO1kz0OY_xO3qju2nl6DipXkIz_mOVL-QeUtvmB8byJjIKrtzZUDnnMzicJbI9jSlD9wHfabgDaMgcjBdxEAdYjogQ=
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Loans support affordable housing on Peaks Island and Vinalhaven
HomeStart, Peaks Island


With the help of a Genesis Fund acquisition
loan of $187,000, HomeStart, a volunteer-run
nonprofit housing group on Peaks Island, was
able to purchase its first property to assist
in providing affordable, year-round housing
on the island. 


The 16,000 square foot lot on which the
single family home sits is large enough to
allow HomeStart to develop two additional
properties.   HomeStart is in the process of
seeking rezoning approval from the City of
Portland to construct up to two townhouses
which the organization plans to sell to low-
and moderate- income families. While its
rezoning application is being considered,
HomeStart will rent the single-family house
(for up to two years) to a moderate-income
family.


Community Housing of Maine, Vinalhaven


Community Housing of Maine, was awarded an
acquisition loan of $150,000 to purchase a
commercial building on Vinalhaven that is
being converted into six affordable rental
apartments.


Originally a general store, the building is
in the process of being converted into 6
affordable apartments within walking distance
from downtown and the ferry dock. 


Like many island and coastal communities in
Maine , Vinalhaven has experienced serious
inflation of property values caused by the
influx of affluent, seasonal buyers. This has
made it increasingly difficult for low- and
moderate-income families to afford housing,
particularly since the cost of constructing
new housing is compounded by distance from
the mainland.


more about these projects - http://rs6.net/tn.jsp?e=001zvuertQV5Ch06hq9DjIz6IhfCcJ758PYh5baNecoVi359DiqW0G3x4KDw7are_0mvWtWq85TQF3fnJcyTh07a3kXMyd7Ub5oAGruwtSOKYjsj4ePNIztc-0xtu7jK-NH_Pe-fQoqzr6sDaghMg6uIA==
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

The holiday gift that supports the work of nonprofits across Maine

a donation to the Genesis Fund&#x27;s permanent lending pool honors your friends and family over and over

Since 1992 those who support the Genesis
Community Loan Fund have understood the
extraordinary work that a revolving loan fund
can do.  By making flexible, low-interest
loans rather than outright grants to Maine&#x27;s
nonprofit organizations, the Genesis Fund can
use the same pool of funds over and over
again.  And in 15 years of lending, we&#x27;ve
never had a loan go bad.  


Many supporters make short- or long-term
investments in our revolving pool of capital,
others donate to our annual appeal to help us
keep the lights on and to help fund the
technical assistance our staff offers to
nonprofits in addition to the loan check -
often at low- or no-cost.


This holiday season the Genesis Fund offers
an additional way to support our work:  A
donation to our permanent pool of revolving
capital in honor of a friend or family
member.  In June 2007 the board of directors
named our permanent pool of capital, which
stands at $1 million of the total $4.4
million in the lending pool, the Elizabeth
McPherson Permanent Capital Fund, in honor of
Beth McPherson who retired after serving as
Executive Director for 14 years.  


With a $50 gift to the permanent loan pool,
we will send your honored friend or family
member a beautiful fine arts holiday card to
mark your gift and explain the work of the
Genesis Fund.  The card, adorned with an
assemblage collage image titled &quot;Happy
Village,&quot; by Damariscotta artist Debra Arter
is also available as a larger print with a
portion of the proceeds going to the Genesis
Fund annual appeal. 


To make your gift right now, please visit our
website at www.genesisfund.org/holidaygiving.htm (http://rs6.net/tn.jsp?e=001zvuertQV5CiAsemqKAO4_mwF6c9eOAc6MutXPz-m8tuu5UgHlhvAUz65tPAUDobkvAB0FGCUw3zpFFBGEwN3c_xFp3fqxlWa2fbD2aC84B1GIDB0RKAVMbCQ5EkKN-5-HgQ5ENyCCAI=).
 Your gift to our permanent revolving loan
pool will allow your loved one to look at
housing and community development projects
across Maine in the years to come and say,
&quot;My gift is working there, and there, and
there.&quot;


Thanks for your continued support.


chick here for an order form - http://rs6.net/tn.jsp?e=001zvuertQV5CiAsemqKAO4_mwF6c9eOAc6MutXPz-m8tuu5UgHlhvAUz65tPAUDobkvAB0FGCUw3zpFFBGEwN3c_xFp3fqxlWa2fbD2aC84B1GIDB0RKAVMbCQ5EkKN-5-HgQ5ENyCCAI=
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Questions about The Genesis Fund?


What are the borrowing criteria?

How can I invest in The Genesis Fund?

Can our organization receive technical
assistance?


Please visit our website at www.genesisfund.
org (http://rs6.net/tn.jsp?e=001zvuertQV5ChvPUYTxk06QRwfncJ7X6uZ9V8c5WmHri9k1djiQnb3Q-htOwjqs7qfl3KgHID049R6RrjPxTNALOF5yJszOyYrNUm0MldfAVBZqiiKGZFDiA==)
or
 email Executive Director Bill
Floyd (mailto:bill@genesisfund.org)
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


Genesis Community Loan Fund

Email:info@genesisfund.org

Phone:207.563.6073

Fax:207.563.6055
www.genesisfund.org (http://rs6.net/tn.jsp?e=001zvuertQV5ChvPUYTxk06QRwfncJ7X6uZ9V8c5WmHri9k1djiQnb3Q-htOwjqs7qfl3KgHID049R6RrjPxTNALOF5yJszOyYrNUm0MldfAVBZqiiKGZFDiA==)


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


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Genesis Community Loan Fund | 26 Water Street | P.O. Box 609 | Damariscotta | ME | 04543


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            November  2007
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                What&#x27;s New at Genesis
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                    &lt;li style=&quot;PADDING-BOTTOM: 10px;&quot; &gt;&lt;a color=&quot;#0000CC&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; href=&quot;#article1&quot; shape=&quot;rect&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;LETTER-SPACING: -0.05em;COLOR: #0000CC;TEXT-DECORATION: none;&quot;&gt;With I&#x27;M HOME grant, the Genesis Fund launches mobile home park conversion program&lt;/a&gt;&lt;/li&gt;
                    &lt;li style=&quot;PADDING-BOTTOM: 10px;&quot; &gt;&lt;a color=&quot;#0000CC&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; href=&quot;#article2&quot; shape=&quot;rect&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;LETTER-SPACING: -0.05em;COLOR: #0000CC;TEXT-DECORATION: none;&quot;&gt;Loans support affordable housing on Peaks Island and Vinalhaven&lt;/a&gt;&lt;/li&gt;
                    &lt;li style=&quot;PADDING-BOTTOM: 10px;&quot; &gt;&lt;a color=&quot;#0000CC&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; href=&quot;#article3&quot; shape=&quot;rect&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;LETTER-SPACING: -0.05em;COLOR: #0000CC;TEXT-DECORATION: none;&quot;&gt;The holiday gift that supports the work of nonprofits across Maine&lt;/a&gt;&lt;/li&gt;
                    
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                    &lt;li style=&quot;PADDING-BOTTOM: 10px;&quot; &gt;&lt;a color=&quot;#739A59&quot; face=&quot;Verdana, Geneva, Arial, Helvetica, sans-serif&quot; href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5CigYSVGWC2_EUGqjgwcur5T3AbZMA9Q-yB4nqjHjzd1UuW6r-UCQc9xM4Ncp3XdiX73Z7Zgnci2hUZb9r-7Gr85Kxu35wyvqEloXf5g9WeNaNDK6O0lbRnJcE_3DrhPvE0mPAU1LRk6OA==&quot; shape=&quot;rect&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;LETTER-SPACING: -0.05em;COLOR: #739A59;TEXT-DECORATION: none;&quot;&gt;2007 Genesis Fund Annual Report on-line&lt;/a&gt;&lt;/li&gt;
                    
                    
                    &lt;li style=&quot;PADDING-BOTTOM: 10px;&quot; &gt;&lt;a color=&quot;#739A59&quot; face=&quot;Verdana, Geneva, Arial, Helvetica, sans-serif&quot; href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5CgyGzEb1Qv1aKr9mJuOiRhwg5frmasu51Lo7VD-3Gtqco8-3pB3wn6KGlm3ZrPQjw3YVsbum_2kld2IGQuqStMS6JIi1AksPjEHOTS0RlJF-N7bW2KnNNyUs5YfylUe8vHhVENO-zZ3kMKOT-LF6cWf&quot; shape=&quot;rect&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;LETTER-SPACING: -0.05em;COLOR: #739A59;TEXT-DECORATION: none;&quot;&gt;Visit our slide show highlighting Genesis Fund projects&lt;/a&gt;&lt;/li&gt;
                    
                                
                    &lt;li style=&quot;PADDING-BOTTOM: 10px;&quot; &gt;&lt;a color=&quot;#739A59&quot; face=&quot;Verdana, Geneva, Arial, Helvetica, sans-serif&quot; href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5ChfXp9szeLW0ZBPukCy8q-dQgaqxgfjNMH4EaOdaRFr_2IeyJI-Z-PVPI69m8aKJDAtus_CfhxhtFbf-vd4CQpg3E67vqls9BZPPYSLenIyXLMTSwCZOi4AESX1e6KYIPw=&quot; shape=&quot;rect&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;LETTER-SPACING: -0.05em;COLOR: #739A59;TEXT-DECORATION: none;&quot;&gt;Today&#x27;s news about affordable housing in the U.S.&lt;/a&gt;&lt;/li&gt;
                    
                    
                    &lt;/ul&gt;
                    

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                The Lending Hand e-Newsletter
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                &lt;p &gt;
                &lt;i&gt;&lt;b&gt;The Genesis Fund&lt;/b&gt;&lt;/i&gt; &lt;br&gt;Our
mission is to help Maine nonprofit groups
working to create
affordable housing and other economic and social
opportunities in their communities by
offering innovative financing, expert
assistance, and help in leveraging other
sources of funding.&lt;br&gt;&lt;br&gt;
                &lt;/p&gt;
                
                    
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                    &lt;font color=&quot;#FFFFFF&quot; face=&quot;Arial,Helvetica,sans-serif&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;LETTER-SPACING: -0.02em;FONT-WEIGHT: bold;COLOR: #FFFFFF;&quot; &gt;
                    With I&#x27;M HOME grant, the Genesis Fund launches mobile home park conversion program
                    &lt;/font&gt;
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                    &lt;td background=&quot;http://img.constantcontact.com/letters/images/newsletters_crisp2_rounded.gif&quot; colspan=&quot;1&quot; rowspan=&quot;1&quot; style=&quot;BACKGROUND-REPEAT: no-repeat;BACKGROUND-POSITION: top right;&quot; width=&quot;12&quot; &gt;&amp;nbsp;&lt;/td&gt;
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                    &lt;font color=&quot;#0066CC&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; size=&quot;1&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 9pt;LETTER-SPACING: 0.03em;FONT-WEIGHT: bold;COLOR: #0066CC;&quot; &gt;
                    &lt;font color=&quot;#0066CC&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; size=&quot;1&quot; style=&quot;font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;font-size:9pt;font-style:normal;font-weight:bold;color:#0066CC;&quot; &gt;Yvonne Mickles hired as program coordinator&lt;/font&gt;
                    &lt;/font&gt;&lt;br /&gt;
                    
                    
                    &lt;font color=&quot;#000000&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;LETTER-SPACING: 0.03em;COLOR: #000000;&quot; &gt;
                    &lt;a href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5Cgo19mKUoIUUwO0TkNFnriGEYjeD2JDFz8NUofm-PO1kz0OY_xO3qju2nl6DipXkIz_mOVL-QeUtvmB8byJjIKrtzZUDnnMzicJbI9jSlD9wHfabgDaMgcjBdxEAdYjogQ=&quot; shape=&quot;rect&quot;&gt;&lt;img align=&quot;right&quot; alt=&quot;Yvonne Mickles&quot; border=&quot;0&quot; height=&quot;166&quot; hspace=&quot;5&quot; src=&quot;http://ih.constantcontact.com/fs093/1101291778782/img/62.jpg?a=1101856447224&quot; vspace=&quot;5&quot; width=&quot;192&quot;/&gt;&lt;/a&gt;
                    
                    
                    &lt;p &gt;
                    This fall, the Genesis Fund board and staff
received the good news from the Corporation
for Enterprise Development that it has been
awarded a $50,000 Catalyst Grant from its I&#x27;M
HOME program (Innovations in Manufactured
Homes). &lt;br&gt;&lt;br&gt;The grant will allow the
Genesis Fund to move
full speed ahead with efforts to help
residents of some of Maine &#x27;s 552 mobile home
parks convert from investor-owned parks to
resident-owned cooperatives. The Genesis
Fund&#x27;s sister loan fund, the New Hampshire
Community Loan Fund, has, since 1983, been
successful in helping residents who occupy
the greatest share of unsubsidized affordable
housing in the nation to organize,
incorporate, purchase and manage their own
mobile home parks. Eighty-seven parks have been
converted in New Hampshire and its successful
process has been adapted for use in other
states. &lt;br&gt;&lt;br&gt;

  
With funds from the grant, the Genesis Fund
has hired Yvonne Mickles as program
coordinator in the effort to identify and
assist up to three mobile home parks convert
to resident ownership over the next 18 month.
Mickles, who has worked as a Homeless
Initiatives Coordinator at MaineHousing, is
currently Associate Director of Community
Impact at United Way of Midcoast Maine.
Mickles will begin work at the end of
November. &lt;br&gt;&lt;br&gt;

  
Genesis Fund Associate Director Liza
Fleming-Ives, who wrote the grant, is
thrilled that Mickles has accepted the job.
&quot;Whether it is sitting at someone&#x27;s kitchen
table talking about joining a cooperative or
testifying before a legislative committee on
behalf of this work, we&#x27;re confident that
Yvonne is equipped to handle it all.&quot;&lt;br&gt;&lt;br&gt;
                    &lt;/p&gt;
                    
                    
                    &lt;div style=&quot;TEXT-ALIGN: right;&quot; &gt;
                    &lt;a color=&quot;#0066CC&quot; href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5Cgo19mKUoIUUwO0TkNFnriGEYjeD2JDFz8NUofm-PO1kz0OY_xO3qju2nl6DipXkIz_mOVL-QeUtvmB8byJjIKrtzZUDnnMzicJbI9jSlD9wHfabgDaMgcjBdxEAdYjogQ=&quot; shape=&quot;rect&quot; style=&quot;FONT-WEIGHT: bold;COLOR: #0066CC;&quot;&gt;read on...&lt;/a&gt;
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                    Loans support affordable housing on Peaks Island and Vinalhaven
                    &lt;/font&gt;
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                    &lt;p &gt;
                    &lt;b&gt;HomeStart, Peaks Island&lt;/b&gt;&lt;br&gt;

With the help of a Genesis Fund acquisition
loan of $187,000, HomeStart, a volunteer-run
nonprofit housing group on Peaks Island, was
able to purchase its first property to assist
in providing affordable, year-round housing
on the island. &lt;br&gt;&lt;br&gt;

The 16,000 square foot lot on which the
single family home sits is large enough to
allow HomeStart to develop two additional
properties.   HomeStart is in the process of
seeking rezoning approval from the City of
Portland to construct up to two townhouses
which the organization plans to sell to low-
and moderate- income families. While its
rezoning application is being considered,
HomeStart will rent the single-family house
(for up to two years) to a moderate-income
family.&lt;br&gt;&lt;br&gt;
&lt;b&gt;Community Housing of Maine, Vinalhaven&lt;/b&gt;&lt;br&gt;

Community Housing of Maine, was awarded an
acquisition loan of $150,000 to purchase a
commercial building on Vinalhaven that is
being converted into six affordable rental
apartments.&lt;br&gt;&lt;br&gt;

Originally a general store, the building is
in the process of being converted into 6
affordable apartments within walking distance
from downtown and the ferry dock. &lt;br&gt;&lt;br&gt;

 
Like many island and coastal communities in
Maine , Vinalhaven has experienced serious
inflation of property values caused by the
influx of affluent, seasonal buyers. This has
made it increasingly difficult for low- and
moderate-income families to afford housing,
particularly since the cost of constructing
new housing is compounded by distance from
the mainland.&lt;br&gt;&lt;br&gt;
                    &lt;/p&gt;
                    
                    
                    &lt;div style=&quot;TEXT-ALIGN: right;&quot; &gt;
                    &lt;a color=&quot;#0066CC&quot; href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5Ch06hq9DjIz6IhfCcJ758PYh5baNecoVi359DiqW0G3x4KDw7are_0mvWtWq85TQF3fnJcyTh07a3kXMyd7Ub5oAGruwtSOKYjsj4ePNIztc-0xtu7jK-NH_Pe-fQoqzr6sDaghMg6uIA==&quot; shape=&quot;rect&quot; style=&quot;FONT-WEIGHT: bold;COLOR: #0066CC;&quot;&gt;more about these projects&lt;/a&gt;
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                    The holiday gift that supports the work of nonprofits across Maine
                    &lt;/font&gt;
                    &lt;/div&gt;
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                    a donation to the Genesis Fund&#x27;s permanent lending pool honors your friends and family over and over
                    &lt;/font&gt;&lt;br /&gt;
                    
                    
                    &lt;font color=&quot;#000000&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;LETTER-SPACING: 0.03em;COLOR: #000000;&quot; &gt;
                    &lt;a href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5CiAsemqKAO4_mwF6c9eOAc6MutXPz-m8tuu5UgHlhvAUz65tPAUDobkvAB0FGCUw3zpFFBGEwN3c_xFp3fqxlWa2fbD2aC84B1GIDB0RKAVMbCQ5EkKN-5-HgQ5ENyCCAI=&quot; shape=&quot;rect&quot;&gt;&lt;img align=&quot;right&quot; alt=&quot;holiday card&quot; border=&quot;0&quot; height=&quot;216&quot; hspace=&quot;5&quot; src=&quot;http://ih.constantcontact.com/fs093/1101291778782/img/63.jpg?a=1101856447224&quot; vspace=&quot;5&quot; width=&quot;164&quot;/&gt;&lt;/a&gt;
                    
                    
                    &lt;p &gt;
                    Since 1992 those who support the Genesis
Community Loan Fund have understood the
extraordinary work that a revolving loan fund
can do.  By making flexible, low-interest
loans rather than outright grants to Maine&#x27;s
nonprofit organizations, the Genesis Fund can
use the same pool of funds over and over
again.  And in 15 years of lending, we&#x27;ve
never had a loan go bad.  &lt;br&gt;&lt;br&gt;

Many supporters make short- or long-term
investments in our revolving pool of capital,
others donate to our annual appeal to help us
keep the lights on and to help fund the
technical assistance our staff offers to
nonprofits in addition to the loan check -
often at low- or no-cost.&lt;br&gt;&lt;br&gt;

This holiday season the Genesis Fund offers
an additional way to support our work:  A
donation to our permanent pool of revolving
capital in honor of a friend or family
member.  In June 2007 the board of directors
named our permanent pool of capital, which
stands at $1 million of the total $4.4
million in the lending pool, the Elizabeth
McPherson Permanent Capital Fund, in honor of
Beth McPherson who retired after serving as
Executive Director for 14 years.  &lt;br&gt;&lt;br&gt;
With a $50 gift to the permanent loan pool,
we will send your honored friend or family
member a beautiful fine arts holiday card to
mark your gift and explain the work of the
Genesis Fund.  The card, adorned with an
&lt;i&gt;assemblage collage&lt;/i&gt; image titled &quot;Happy
Village,&quot; by Damariscotta artist Debra Arter
is also available as a larger print with a
portion of the proceeds going to the Genesis
Fund annual appeal. &lt;br&gt;&lt;br&gt;

To make your gift right now, please visit our
website at &lt;a href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5CiAsemqKAO4_mwF6c9eOAc6MutXPz-m8tuu5UgHlhvAUz65tPAUDobkvAB0FGCUw3zpFFBGEwN3c_xFp3fqxlWa2fbD2aC84B1GIDB0RKAVMbCQ5EkKN-5-HgQ5ENyCCAI=&quot;&gt;www.genesisfund.org/holidaygiving.htm&lt;/a&gt;.
 Your gift to our permanent revolving loan
pool will allow your loved one to look at
housing and community development projects
across Maine in the years to come and say,
&quot;My gift is working there, and there, and
there.&quot;&lt;br&gt;&lt;br&gt;

Thanks for your continued support.&lt;br&gt;
                    &lt;/p&gt;
                    
                    &lt;div style=&quot;TEXT-ALIGN: right;&quot; &gt;
                    &lt;a color=&quot;#0066CC&quot; href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5CiAsemqKAO4_mwF6c9eOAc6MutXPz-m8tuu5UgHlhvAUz65tPAUDobkvAB0FGCUw3zpFFBGEwN3c_xFp3fqxlWa2fbD2aC84B1GIDB0RKAVMbCQ5EkKN-5-HgQ5ENyCCAI=&quot; shape=&quot;rect&quot; style=&quot;FONT-WEIGHT: bold;COLOR: #0066CC;&quot;&gt;chick here for an order form&lt;/a&gt;
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            &lt;font color=&quot;#000000&quot; face=&quot;Verdana,Geneva,Arial,Helvetica,sans-serif&quot; size=&quot;2&quot; style=&quot;FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;LETTER-SPACING: 0.03em;COLOR: #000000;&quot; &gt;            
            
            &lt;p &gt;
            &lt;center&gt;&lt;b&gt;Questions about The Genesis Fund?
&lt;/b&gt;&lt;br&gt;
&lt;i&gt;What are the borrowing criteria?&lt;br&gt;
How can I invest in The Genesis Fund?&lt;br&gt;
Can our organization receive technical
assistance?&lt;/i&gt;&lt;p&gt;&lt;/p&gt;

Please visit our website at &lt;a href=&quot;http://rs6.net/tn.jsp?e=001zvuertQV5ChvPUYTxk06QRwfncJ7X6uZ9V8c5WmHri9k1djiQnb3Q-htOwjqs7qfl3KgHID049R6RrjPxTNALOF5yJszOyYrNUm0MldfAVBZqiiKGZFDiA==&quot;&gt;www.genesisfund.
org&lt;/a&gt;
or&lt;br&gt; email Executive Director &lt;a href=&quot;mailto:bill@genesisfund.org&quot;&gt;Bill
Floyd&lt;/a&gt;&lt;/center&gt;
            &lt;/p&gt;
                        
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            &lt;b&gt;Genesis Community Loan Fund&lt;/b&gt;
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