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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal>Hi students,<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Please read the information below. The ABLE program is very beneficial for students. <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Have a great Holiday!<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b>Sharon Maneki<o:p></o:p></b></p><p class=MsoNormal><o:p> </o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> Maryland ABLE [mailto:MarylandABLE@public.govdelivery.com] <br><b>Sent:</b> Tuesday, December 12, 2017 12:31 PM<br><b>To:</b> nfbmd@earthlink.net<br><b>Subject:</b> December 2017, ABLE News Alert<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:white;border-collapse:collapse'><tr><td valign=top style='padding:0in 0in 0in 0in'><p class=MsoNormal align=center style='text-align:center'><span style='font-size:1.0pt;font-family:"Helvetica",sans-serif;color:white'>Time to open your account <o:p></o:p></span></p></td></tr></table><p class=MsoNormal><a name="gd_top"></a><span lang=EN><o:p> </o:p></span></p><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse' id=yahoo><tr><td style='background:#D5DAEE;padding:0in 0in 0in 0in;width:100%!important'><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;border-collapse:collapse;width:100%!important'><tr><td style='padding:0in 0in 0in 0in;width:100%!important' id=view-in-browser><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width="100%" style='width:100.0%;padding:7.5pt 7.5pt 7.5pt 7.5pt'><p class=gdp align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><span style='font-size:7.5pt;font-family:"Arial",sans-serif;color:#555555'>Having trouble viewing this email? <a href="http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTcxMjEyLjgyMzI4ODIxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE3MTIxMi44MjMyODgyMSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDEyMzI0JmVtYWlsaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ1c2VyaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&&&100&&&https://content.govdelivery.com/accounts/MD529/bulletins/1c7c455">View it as a Web page</a>.<o:p></o:p></span></p></td></tr></table></div></td></tr><tr><td style='padding:0in 0in 0in 0in' id=header-bg><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;background:white;border-collapse:collapse'><tr><td style='padding:0in 0in 0in 0in' id=main-header><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width="100%" style='width:100.0%;padding:11.25pt 11.25pt 11.25pt 11.25pt'><p class=MsoNormal><img border=0 width=571 height=81 style='width:5.9479in;height:.8437in' id="_x0000_i1051" src="http://content.govdelivery.com/attachments/fancy_images/MD529/2017/11/1630596/1620856/md-able-logo-cmyk_crop.jpg" alt="Maryland ABLE"><o:p></o:p></p></td></tr></table></div></td></tr><tr><td style='background:#E3E4E3;padding:0in 0in 0in 0in' id=date-bg><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width="100%" style='width:100.0%;padding:7.5pt 11.25pt 7.5pt 11.25pt' id=main-date><p class=gdp style='margin:0in;margin-bottom:.0001pt'><b><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'>December 2017</span></b><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'><o:p></o:p></span></p></td></tr></table></div></td></tr><tr><td style='padding:0in 0in 0in 0in' id=main-body><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td width="100%" style='width:100.0%;padding:11.25pt 11.25pt 11.25pt 11.25pt'><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:16.5pt;font-family:"Arial",sans-serif;color:#172B54'>Have you opened your Maryland ABLE account yet?<o:p></o:p></span></h1><p class=MsoNormal><img border=0 width=570 height=384 style='width:5.9375in;height:4.0in' id="_x0000_i1050" src="http://content.govdelivery.com/attachments/fancy_images/MD529/2017/11/1666223/1655531/girl-blowing-on-dandelion_crop.jpg" alt="Girl with downsyndrome blowing on dandelion"><o:p></o:p></p><h2 align=center style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in;text-align:center'><span style='font-size:14.5pt;font-family:"Arial",sans-serif;color:#172B54'>There's no time like the present to open your account! <o:p></o:p></span></h2><p class=gdp style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'>Maryland ABLE is open for enrollment. It takes only a few minutes online to establish your ABLE account. And remember, if you open your Maryland ABLE account by December 31st, you may be eligible for a Maryland State Income Tax deduction on your 2017 taxes. <o:p></o:p></span></p><h3 align=center style='mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in;text-align:center'><span style='font-size:12.0pt;font-family:"Arial",sans-serif;color:#1A1A1A'><a href="http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTcxMjEyLjgyMzI4ODIxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE3MTIxMi44MjMyODgyMSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDEyMzI0JmVtYWlsaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ1c2VyaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&&&101&&&http://www.marylandable.org?utm_medium=email&utm_source=govdelivery"><span style='color:white;border:solid #A51D40 6.0pt;padding:0in;background:#A51D40;text-decoration:none'>www.marylandable.org</span></a> <o:p></o:p></span></h3><div><div><div class=MsoNormal align=center style='text-align:center'><hr size=1 width="100%" align=center></div></div></div><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:.75pt .75pt .75pt .75pt'><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:3.0pt;margin-left:0in'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
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</v:shape><![endif]--><![if !vml]><img width=86 height=86 style='width:.8958in;height:.8958in' src="http://content.govdelivery.com/attachments/fancy_images/MD529/2017/12/1690643/1655532/live-chat-screen-shot_crop.png" align=right hspace=7 alt="Live Chat logo of a talk bubble" v:shapes="Picture_x0020_2"><![endif]><span style='font-size:14.5pt;font-family:"Arial",sans-serif;color:#172B54'>If you have questions, call (or live chat)<o:p></o:p></span></h2><p class=gdp style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'>Maryland ABLE has a customer support team in place Monday through Friday, 9am-8pm EST. If you have questions, just pick up the phone and call 1-855-5MDABLE (855-563-2253). <o:p></o:p></span></p><p class=gdp style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'>Live chat is also available via the Maryland ABLE website, <a href="http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTcxMjEyLjgyMzI4ODIxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE3MTIxMi44MjMyODgyMSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDEyMzI0JmVtYWlsaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ1c2VyaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&&&102&&&http://www.marylandable.org?utm_medium=email&utm_source=govdelivery"><span style='color:#0000EE'>www.marylandable.org</span></a>. <o:p></o:p></span></p></td></tr></table><div><div><div class=MsoNormal align=center style='text-align:center'><hr size=1 width="100%" align=center></div></div></div><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:.75pt .75pt .75pt .75pt'><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:3.0pt;margin-left:0in'><!--[if gte vml 1]><v:shape id="Picture_x0020_3" o:spid="_x0000_s1026" type="#_x0000_t75" alt="Three jars of money sit side by side" style='position:absolute;margin-left:0;margin-top:0;width:136.5pt;height:90pt;z-index:251659264;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:5.25pt;mso-wrap-distance-top:0;mso-wrap-distance-right:5.25pt;mso-wrap-distance-bottom:0;mso-position-horizontal:left;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
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</v:shape><![endif]--><![if !vml]><img width=182 height=120 style='width:1.8958in;height:1.25in' src="http://content.govdelivery.com/attachments/fancy_images/MD529/2017/12/1690642/1655533/money-jars-growing_crop.jpg" align=left hspace=7 alt="Three jars of money sit side by side" v:shapes="Picture_x0020_3"><![endif]><span style='font-size:14.5pt;font-family:"Arial",sans-serif;color:#172B54'>'Tis the Season to Gift<o:p></o:p></span></h2><p class=gdp style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'> <o:p></o:p></span></p><p class=gdp style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'>Want to give a gift that last? Consider gifting a loved one's Maryland ABLE account. Gifting a Maryland account is quick and simple. <o:p></o:p></span></p></td></tr></table><h3 align=right style='mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in;text-align:right'><span style='font-size:12.0pt;font-family:"Arial",sans-serif;color:#1A1A1A'><a href="http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTcxMjEyLjgyMzI4ODIxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE3MTIxMi44MjMyODgyMSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDEyMzI0JmVtYWlsaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ1c2VyaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&&&103&&&https://www.marylandable.org/assets/docs/md-able-gifting-form.pdf?utm_medium=email&utm_source=govdelivery"><span style='color:white;border:solid #A51D40 6.0pt;padding:0in;background:#A51D40;text-decoration:none'>Give a gift today!</span></a> <o:p></o:p></span></h3><div><div><div class=MsoNormal align=center style='text-align:center'><hr size=1 width="100%" align=center></div></div></div><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;border-collapse:collapse'><tr><td style='padding:.75pt .75pt .75pt .75pt'><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:3.0pt;margin-left:0in'><span style='font-size:14.5pt;font-family:"Arial",sans-serif;color:#172B54'>Pop-up Enrollments - Coming Soon! <o:p></o:p></span></h2><p class=gdp style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'> <o:p></o:p></span></p><p class=gdp style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:0in'><span style='font-size:10.5pt;font-family:"Arial",sans-serif;color:#1A1A1A'>Starting in January, Maryland ABLE will be teaming with organizations and agencies across the state to host pop-up enrollments. These events will be held throughout all regions of the state. A full schedule and registration links will be shared shortly.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:15.0pt;margin-right:0in;margin-bottom:15.0pt;margin-left:0in'><span style='font-size:12.0pt;font-family:"Arial",sans-serif;color:#1A1A1A'> <a href="http://links.govdelivery.com:80/track?type=click&enid=ZWFzPTEmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPTIwMTcxMjEyLjgyMzI4ODIxJm1lc3NhZ2VpZD1NREItUFJELUJVTC0yMDE3MTIxMi44MjMyODgyMSZkYXRhYmFzZWlkPTEwMDEmc2VyaWFsPTE3MDEyMzI0JmVtYWlsaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ1c2VyaWQ9bmZibWRAZWFydGhsaW5rLm5ldCZ0YXJnZXRpZD0mZmw9JmV4dHJhPU11bHRpdmFyaWF0ZUlkPSYmJg==&&&104&&&https://www.marylandable.org/about-us/?utm_medium=email&utm_source=govdelivery"><span style='color:white;border:solid #A51D40 6.0pt;padding:0in;background:#A51D40;text-decoration:none'>Stay tuned to all Maryland ABLE news!</span></a> <o:p></o:p></span></h3></td><td style='padding:.75pt .75pt .75pt .75pt'></td><td style='padding:.75pt .75pt .75pt .75pt'><p class=MsoNormal><img border=0 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