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<DIV>Good morning all, I think you will find the Monhegan
article of great interest as to some of the possibilities. This also is
basically a land lease model. YRHASC might contact these folks
for more info on their selection process and financial requirements?
Check with Alden as he is working on some aspects of this for us.</DIV>
<DIV> </DIV>
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From: info@genesisfund.org<BR>Reply-to: heidi@genesisfund.org<BR>To:
mlongreene2@aol.com<BR>Sent: 1/4/2008 1:45:51 P.M. Eastern Standard
Time<BR>Subj: The Lending Hand e-newsletter<BR></DIV>
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face=Arial,Helvetica,sans-serif color=#000000 size=2>January
2008 </FONT></TD></TR>
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face=Arial,Helvetica,sans-serif color=#ffffff
size=2>What's New at Genesis </FONT></TD>
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title=#article1
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href="mip://040d6938/default.html#article1"
shape=rect color="#0000CC"
face="Verdana,Geneva,Arial,Helvetica,sans-serif"
size="2">The Genesis Fund goes green</A>
<LI style="PADDING-BOTTOM: 10px"><A
title=#article2
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #0000cc; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: -0.05em; TEXT-DECORATION: none"
href="mip://040d6938/default.html#article2"
shape=rect color="#0000CC"
face="Verdana,Geneva,Arial,Helvetica,sans-serif"
size="2">Another affordable home on Monhegan
helps stabilize year-round community</A>
<LI style="PADDING-BOTTOM: 10px"><A
title=#article3
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #0000cc; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: -0.05em; TEXT-DECORATION: none"
href="mip://040d6938/default.html#article3"
shape=rect color="#0000CC"
face="Verdana,Geneva,Arial,Helvetica,sans-serif"
size="2">New year brings higher interest options
to Genesis investors</A>
<LI style="PADDING-BOTTOM: 10px"><A
title=#article4
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #0000cc; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: -0.05em; TEXT-DECORATION: none"
href="mip://040d6938/default.html#article4"
shape=rect color="#0000CC"
face="Verdana,Geneva,Arial,Helvetica,sans-serif"
size="2">Support Solutions acquires supportive
home in Minot with Genesis Fund loan</A>
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face="Verdana, Geneva, Arial, Helvetica, sans-serif"
size="2">Article on Holbrook's Wharf in Fed.
Reserve's <I>Communities & Banking</I></A>
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title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnNu3Vfx465DOYFpSsedMJvvY4-wwRBAf7VyGJ5S0D5Tv3PuDJWPtcZS7_Kz0vqPr9zQH4l-ph2qtPnC-uAG-K_8vfy6IMnDNb6lEWuYnIjvJ1PupxxliNqx2Wa5Dnu_i1yM6vqAMKUVBZgZS-b8QRni
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size="2">Visit our slide show highlighting
Genesis Fund projects</A>
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title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnNriTmbddl4KMgaHYffuzVGoV-Ayu_bEgbFKp8NpC6juYigvtwQ2O7-GR1turl7pcU_9sOWtk0KQj90uJXaLmGnICs7vQowsvS4rGyx63faPara3P7-cFM6AHuiLwG6oAU=
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href="http://rs6.net/tn.jsp?e=001vR4B6KQcmnNriTmbddl4KMgaHYffuzVGoV-Ayu_bEgbFKp8NpC6juYigvtwQ2O7-GR1turl7pcU_9sOWtk0KQj90uJXaLmGnICs7vQowsvS4rGyx63faPara3P7-cFM6AHuiLwG6oAU="
shape=rect color="#739A59"
face="Verdana, Geneva, Arial, Helvetica, sans-serif"
size="2">Today's news about affordable housing
in the U.S.</A>
<LI style="PADDING-BOTTOM: 10px"><A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnMU2UMBSvTp-XOFkizkM5eMFdxxtr380GKtjw2YY2sDAt02GWo_vCMaOoQeripIyz_zXeP47bS074ZmX_L2WXP12WasfG2ynRmI-MKbJhUPyuk19B_2KVhJoc_Xc9wcejEIfREEKtnXZA==
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face="Verdana, Geneva, Arial, Helvetica, sans-serif"
size="2">2007 Genesis Fund Annual Report
on-line</A>
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size="2">Genesis Fund's Bill Floyd named Carsey
Fellow</A>
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style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: 0.03em"
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<P><FONT
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face=Arial,Helvetica,sans-serif color=#000000
size=2>The Lending Hand e-Newsletter </FONT></P>
<P><I><B>The Genesis Fund</B></I> <BR>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.<BR><BR></P></FONT><A shape=rect
name=article1>
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bgColor=#0066cc>
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<DIV
style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-BOTTOM: 3px; PADDING-TOP: 3px"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #ffffff; FONT-FAMILY: Arial,Helvetica,sans-serif; LETTER-SPACING: -0.02em"
face=Arial,Helvetica,sans-serif color=#ffffff
size=2>The Genesis Fund goes green
</FONT></DIV></TD>
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background=http://img.constantcontact.com/letters/images/newsletters_crisp2_rounded.gif> </TD></TR>
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<TD vAlign=center colSpan=2><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 9pt; COLOR: #0066cc; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: 0.03em"
face=Verdana,Geneva,Arial,Helvetica,sans-serif
color=#0066cc size=1><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 9pt; COLOR: #0066cc; FONT-STYLE: normal; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif"
face=Verdana,Geneva,Arial,Helvetica,sans-serif
color=#0066cc size=1>An energy audit/green loan
program helps nonprofits renovate
facilities</FONT> </FONT><BR><FONT
style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: 0.03em"
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<P>In partnership with one of Maine 's leaders
in energy efficiency, Horizon Energy of South
Portland, the Genesis Fund now offers a program
to help Maine nonprofit organizations bring
energy efficiency to their facilities, help save
money on fuel costs, and help the environment by
reducing fuel use and emissions.<BR><BR>Here is
how it works: First Horizon Energy will conduct
an energy audit to determine where savings can
be achieved and provide a list of pre-screened,
local contractors qualified to do the work. Then
the Genesis Fund will walk organizations through
a simple and inexpensive loan process to fund
renovations with below market financing. When
the renovations are completed, Horizon Energy
will conduct a second audit to confirm the
quality of the work.<BR><BR>"This green loan
program will be very helpful to many affordable
and supportive housing agencies that own group
homes and multi-family housing built in the
1970s and 1980s," said Bill Floyd, executive
director of the Genesis Fund. "Rising energy
costs can throw off an organization's budget
that is already tight. By working with Jon Riley
at Horizon, we'll be able to help by identifying
the cost-saving efficiencies and providing the
low-cost funding to achieve them." <BR><BR>Other
nonprofit organizations that assist underserved
Mainers, such as churches, often have facilities
that could benefit from an energy efficiency
renovation and are welcome to contact the
Genesis Fund about the program. <BR><BR>If you
represent a nonprofit that might be interested
in the Genesis Fund's green loan program, please
contact Bill Floyd at <A
title=mailto:bfloyd@genesisfund.org
href="mailto:bfloyd@genesisfund.org">bfloyd@genesisfund.org</A>
or 207.563.6073. <BR><BR></P>
<DIV style="TEXT-ALIGN: right"><A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnNtjWT4U08Wk6RaLwOmWRIU9lXMNG2s9L0kbjMXHff8f-wtlHZqzbE_IvHKvtUbZnzXhsrZzevsh83NPVQcfmYh0RIWSs8h2FALbj_GN_g-m2eWTShHGAsa-SuFKEXh4U4=
style="FONT-WEIGHT: bold; COLOR: #0066cc"
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shape=rect color="#0066CC">Read the full story -
and what the audit includes</A>
</DIV></FONT></TD></TR></TBODY></TABLE><BR><A
shape=rect name=article2>
<TABLE cellSpacing=0 cellPadding=0 border=0>
<TBODY>
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bgColor=#0066cc>
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<DIV
style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-BOTTOM: 3px; PADDING-TOP: 3px"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #ffffff; FONT-FAMILY: Arial,Helvetica,sans-serif; LETTER-SPACING: -0.02em"
face=Arial,Helvetica,sans-serif color=#ffffff
size=2>Another affordable home on Monhegan helps
stabilize year-round community </FONT></DIV></TD>
<TD
style="BACKGROUND-POSITION: right top; BACKGROUND-REPEAT: no-repeat"
width=12
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<P>The November sale of another house to
year-round Monhegan residents marks the fifth
affordable home developed by the Monhegan Island
Sustainable Community Association (MISCA) since
its founding in 2002. With the success of the
latest project, Richard Farrell, president of
MISCA, commented, "The critical start up period
for MISCA has reached a successful end as we
have helped stabilize the winter population by
helping to provide affordable year-round housing
for existing residents who have spent many years
on the island."<BR><BR>The latest home is a
summer cottage on Horn Hill overlooking the
village. To help make the sale possible the
owner discounted the property from the market
price of $525,000 to $375,000. With a $25,000
Genesis Fund-administered Islands Challenge
Grant, $25,000 from the Island Institute's
Affordable Coast Fund, $125,000 from MISCA's New
Projects Fund, and donations from three private
sources, MISCA was able to purchase the house at
one of the lowest sale prices seen on the island
in several years.<BR><BR>As with other MISCA
projects, the organization will retain title to
the land to ensure that the house remains
affordable to year-round island families in
perpetuity. Because the summer cottage must be
winterized, its new owners, Rich Shay, a
salesman for a marine supply company via the
Internet (the first island resident to have a
full-time Internet job) and an experienced
builder, and Chris Cash, a lobsterwoman,
purchased the cottage from MISCA for $20,000 and
will invest $100,000 to winterize the property.
According to Farrell, "Chris and Rich have
construction skills and extended family that
will ensure their success. The Monhegan
community is particularly excited to have this
young married couple settle on the island. They
are extremely enthusiastic community
participants."<BR><BR>Congratulations,
MISCA!<BR><BR></P>
<DIV style="TEXT-ALIGN: right"><A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnNjwJO0rTtB-lv7BrmZA2_YlDoxIwpKr2VVrniyIPOIKQe5REZTJXc4R8gq8Dwbd0LXJY7hG2N-z22hQV1B94l4lBw4Qwr6W_rMcgekoiaXekx7ac4v61P3Ue4jGenUlps=
style="FONT-WEIGHT: bold; COLOR: #0066cc"
href="http://rs6.net/tn.jsp?e=001vR4B6KQcmnNjwJO0rTtB-lv7BrmZA2_YlDoxIwpKr2VVrniyIPOIKQe5REZTJXc4R8gq8Dwbd0LXJY7hG2N-z22hQV1B94l4lBw4Qwr6W_rMcgekoiaXekx7ac4v61P3Ue4jGenUlps="
shape=rect color="#0066CC">please read the full
story...</A>
</DIV></FONT></TD></TR></TBODY></TABLE><BR><A
shape=rect name=article3>
<TABLE cellSpacing=0 cellPadding=0 border=0>
<TBODY>
<TR style="BACKGROUND-COLOR: #0066cc"
bgColor=#0066cc>
<TD vAlign=top>
<DIV
style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-BOTTOM: 3px; PADDING-TOP: 3px"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #ffffff; FONT-FAMILY: Arial,Helvetica,sans-serif; LETTER-SPACING: -0.02em"
face=Arial,Helvetica,sans-serif color=#ffffff
size=2>New year brings higher interest options
to Genesis investors </FONT></DIV></TD>
<TD
style="BACKGROUND-POSITION: right top; BACKGROUND-REPEAT: no-repeat"
width=12
background=http://img.constantcontact.com/letters/images/newsletters_crisp2_rounded.gif> </TD></TR>
<TR>
<TD vAlign=center colSpan=2><FONT
style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: 0.03em"
face=Verdana,Geneva,Arial,Helvetica,sans-serif
color=#000000 size=2>
<P>With more than $2 million in loans to Maine
nonprofits serving their neighbors and by
providing expert assistance to more than two
dozen community groups, the Genesis Fund will
experience its busiest and biggest fiscal year
ever in 2008.<BR><BR>Beginning January 1, in
appreciation to our individual investors and in
hopes of convincing some of our many donors to
become investors, the Genesis Fund is now
offering higher interest rates to those willing
to invest funds in our revolving pool of
capital. The rates will be highest for
investments committed for longer terms.
<BR><BR>"With several loans in the pipeline for
early this year, the need for more capital to
lend to help Maine's nonprofits do good work in
affordable housing and community development is
more important than ever," said Bill Floyd, the
Genesis Fund's Executive Director.<BR><BR>"Also,
as we roll out our two new initiatives -
providing green loans for nonprofit facilities
and assisting mobile home park residents
organize cooperatives to purchase their mobile
home parks - we will need more private
investments for longer terms so we can make
long-term loans to these groups," he explained.
<BR><BR>The old investment schedule allows for
investments of $1,000 and up for at least one
year. The investor may choose an interest rate
from 0% to 2.25%.<BR><BR>As of January 1, 2008,
those who invest (or reinvest a current
investment) will be offered the following
terms:<BR><BR>Investments of 1 to 3 years - 0%
to 2.5%<BR><BR>Investments of 4 years or longer
- 0% to 3.5%<BR><BR>With the Genesis Fund's 100%
rate of repayment to investors and 0% default
rate from more than 100 borrowers since 1992,
our investors know that their investment is both
safe and doing the good work of serving our
neighbors in communities across
Maine.<BR><BR>Interested in investing funds in
our revolving pool of capital at our new rates?
Call Bill Floyd at 563-6073 or click the link
below to read more about supporting the Genesis
Fund.<BR><BR></P>
<DIV style="TEXT-ALIGN: right"><A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnMIJ2FuAzNPXW7oRVhq2tiSAXv5plsTs46_2spGhabsA6r0fDdrhQnyW3r6YTOE8VFQ9fAaWgVYkuxbCZNKQXV9bGjAkLOmtoZZ6WU8RKKDBmAm2ETmiOiSy5p8HiM4Ixw=
style="FONT-WEIGHT: bold; COLOR: #0066cc"
href="http://rs6.net/tn.jsp?e=001vR4B6KQcmnMIJ2FuAzNPXW7oRVhq2tiSAXv5plsTs46_2spGhabsA6r0fDdrhQnyW3r6YTOE8VFQ9fAaWgVYkuxbCZNKQXV9bGjAkLOmtoZZ6WU8RKKDBmAm2ETmiOiSy5p8HiM4Ixw="
shape=rect color="#0066CC">More on investing in
the Genesis Fund</A>
</DIV></FONT></TD></TR></TBODY></TABLE><BR><A
shape=rect name=article4>
<TABLE cellSpacing=0 cellPadding=0 border=0>
<TBODY>
<TR style="BACKGROUND-COLOR: #0066cc"
bgColor=#0066cc>
<TD vAlign=top>
<DIV
style="PADDING-RIGHT: 3px; PADDING-LEFT: 3px; PADDING-BOTTOM: 3px; PADDING-TOP: 3px"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #ffffff; FONT-FAMILY: Arial,Helvetica,sans-serif; LETTER-SPACING: -0.02em"
face=Arial,Helvetica,sans-serif color=#ffffff
size=2>Support Solutions acquires supportive
home in Minot with Genesis Fund loan
</FONT></DIV></TD>
<TD
style="BACKGROUND-POSITION: right top; BACKGROUND-REPEAT: no-repeat"
width=12
background=http://img.constantcontact.com/letters/images/newsletters_crisp2_rounded.gif> </TD></TR>
<TR>
<TD vAlign=center colSpan=2><FONT
style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif; LETTER-SPACING: 0.03em"
face=Verdana,Geneva,Arial,Helvetica,sans-serif
color=#000000 size=2>
<P>In mid-December Support Solutions, a
nonprofit agency in that serves those with
developmental disabilities and mental health
challenges in Androscoggin, Oxford, Kennebec,
Cumberland, and York Counties, used a $69,200
loan from the Genesis Fund to acquire a
single-family manufactured home in Minot to
provide housing and supportive services to an
individual with developmental disabilities.
Support Solutions has determined that the rural
and private location of the property is a good
setting for the challenges of the resident.
Support services, including the supportive
housing provided, is subsidized through the
Department of Health and Human
Services.<BR><BR></P>
<DIV style="TEXT-ALIGN: right"><A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnNKlozc9oAN-ezhj7OKt0bqpzt7HdeQq1EOi5P_ezAhYH3Y2LwM8-zzBabFKJcXUv6mvHJc9SINGn8TH12109TkxYDV1LsYKhcbGr0N5j2TwPUyAZu1CVG-cE_OhHy61aQyDirJJMLW-w==
style="FONT-WEIGHT: bold; COLOR: #0066cc"
href="http://rs6.net/tn.jsp?e=001vR4B6KQcmnNKlozc9oAN-ezhj7OKt0bqpzt7HdeQq1EOi5P_ezAhYH3Y2LwM8-zzBabFKJcXUv6mvHJc9SINGn8TH12109TkxYDV1LsYKhcbGr0N5j2TwPUyAZu1CVG-cE_OhHy61aQyDirJJMLW-w=="
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story...</A>
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<TD vAlign=center colSpan=2><BR><FONT
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<FONT
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size=2>
<P>
<CENTER><B>Questions about The Genesis Fund? </B><BR><I>What
are the borrowing criteria?<BR>How can I invest in The
Genesis Fund?<BR>Can our organization receive technical
assistance?</I>
<P></P>Please visit our website at <A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnPaOqpvfpvZtsdHQVdeIHbDvyUwTHFWYj6JqNnTErlY66sktXDyjroQITdJAbooJK6oImnVqSP4gPp73GzMUsSPrRky003ZcM1FSqAREdy_9A==
href="http://rs6.net/tn.jsp?e=001vR4B6KQcmnPaOqpvfpvZtsdHQVdeIHbDvyUwTHFWYj6JqNnTErlY66sktXDyjroQITdJAbooJK6oImnVqSP4gPp73GzMUsSPrRky003ZcM1FSqAREdy_9A==">www.genesisfund.
org</A> or<BR>email Executive Director <A
title=mailto:bill@genesisfund.org
href="mailto:bill@genesisfund.org">Bill Floyd</A></CENTER>
<P></P></FONT><BR>
<DIV><B>Genesis Community Loan Fund</B> </DIV>
<HR style="COLOR: #000000; HEIGHT: 1px" align=left
width="50%" color=#000000 SIZE=1>
<DIV>Email: <FONT style="FONT-WEIGHT: bold; COLOR: #0066cc"
color=#0066cc><A title=mailto:info@genesisfund.org
style="FONT-WEIGHT: bold; COLOR: #0066cc"
href="mailto:info@genesisfund.org" shape=rect
color="#0066CC">info@genesisfund.org</A> </FONT></DIV>
<DIV>Phone: 207.563.6073 </DIV>
<DIV>Fax: 207.563.6055<BR><A
title=http://rs6.net/tn.jsp?e=001vR4B6KQcmnPaOqpvfpvZtsdHQVdeIHbDvyUwTHFWYj6JqNnTErlY66sktXDyjroQITdJAbooJK6oImnVqSP4gPp73GzMUsSPrRky003ZcM1FSqAREdy_9A==
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<TD colSpan=2><FONT face=verdana,arial size=1><BR>Genesis
Community Loan Fund | 26 Water Street | P.O. Box 609 |
Damariscotta | ME | 04543</FONT>
</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE><BR></FONT></BLOCKQUOTE></DIV></FONT><BR><BR><BR><DIV><FONT style="color: black; font: normal 10pt ARIAL, SAN-SERIF;"><HR style="MARGIN-TOP: 10px">Start the year off right. <A title="http://body.aol.com/fitness/winter-exercise?NCID=aolcmp00300000002489" href="http://body.aol.com/fitness/winter-exercise?NCID=aolcmp00300000002489" target="_blank">Easy ways to stay in shape</A> in the new year. </FONT></DIV></BODY></HTML>