<html>
<head>
<meta http-equiv="content-type" content="text/html; charset=UTF-8">
</head>
<body text="#000000" bgcolor="#FFFFFF">
<div class="moz-forward-container">
<table class="template-body" style="text-align: center; min-width:
100%;" width="100%" cellspacing="0" cellpadding="0" border="0">
<tbody>
<tr>
<td class="preheader-container"><br>
</td>
</tr>
<tr>
<td class="template-shell-container" align="center">
<div class="bgcolor" style="background-color: #addac7;">
<table class="bgimage" style="background:
url('https://imgssl.constantcontact.com/letters/images/backgrounds/OuterBGImage.png')
repeat top left;" width="100%" cellspacing="0"
cellpadding="0" border="0"
background="https://imgssl.constantcontact.com/letters/images/backgrounds/OuterBGImage.png">
<tbody>
<tr>
<td align="center">
<table class="main-width" style="width: 600px;"
width="600" cellspacing="0" cellpadding="0"
border="0" align="center">
<tbody>
<tr>
<td class="layout" style="padding: 15px
5px;" valign="top" align="center">
<table width="100%" cellspacing="0"
cellpadding="0" border="0"
align="center">
<tbody>
<tr>
<td
class="layout-container-border"
style="background-color:
#c4f4e0; padding: 10px;"
valign="top" bgcolor="#c4f4e0"
align="center">
<table style="background-color:
#c4f4e0;" width="100%"
cellspacing="0"
cellpadding="0" border="0"
bgcolor="#c4f4e0">
<tbody>
<tr>
<td
class="layout-container-border-padding"
valign="top"
align="left">
<table width="100%"
cellspacing="0"
cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="layout-container-border2"
valign="top"
align="left">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0" align="center">
<tbody>
<tr>
<td
class="layout-container"
style="background-color: #ffffff; padding: 0;" valign="top"
bgcolor="#ffffff"
align="center">
<div class="">
<table
class="galileo-ap-layout-editor"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="content
editor-col
OneColumnMobile"
width="100%"
valign="top"
align="left">
<div
class="gl-contains-spacer">
<table
class="editor-spacer"
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-container"
valign="top"
align="center">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-base"
style="padding-bottom: 20px; height: 1px; line-height: 1px;"
width="100%"
valign="top"
align="center">
<div><img
alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: 1px; width: 5px;" moz-do-not-send="true"
width="5"
vspace="0"
hspace="0"
height="1"
border="0"></div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<div
class="gl-contains-image">
<table
class="editor-image
content-image
editor-image-vspace-on" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
style="padding-top:
10px;
padding-bottom:
10px;"
valign="top"
align="center">
<div
class="publish-container">
<img alt=""
class=""
style="display:
block; height:
auto;
max-width:
100%;"
src="https://imgssl.constantcontact.com/letters/images/PT1858/hero.png"
moz-do-not-send="true" width="423" vspace="0" hspace="0" border="0">
</div>
</td>
</tr>
</tbody>
</table>
</div>
<div
class="gl-contains-spacer">
<table
class="editor-spacer"
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-container"
valign="top"
align="center">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-base"
style="padding-bottom: 20px; height: 1px; line-height: 1px;"
width="100%"
valign="top"
align="center">
<div><img
alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: 1px; width: 5px;" moz-do-not-send="true"
width="5"
vspace="0"
hspace="0"
height="1"
border="0"></div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table
class="galileo-ap-layout-editor"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="content
editor-col
OneColumnMobile"
width="100%"
valign="top"
align="left">
<div
class="gl-contains-text">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="editor-text
content-text"
style="font-family: Arial, Verdana, Helvetica, sans-serif; font-size:
16px; color:
#323534;
text-align:
left; display:
block;
word-wrap:
break-word;
line-height:
1.2; padding:
10px 30px;"
valign="top"
align="left">
<div>
<table
class="editor-image
OneColumnMobile" style="mso-table-rspace: 5.75pt;" cellspacing="0"
cellpadding="0"
border="0"
align="right">
<tbody>
<tr>
<td
class="mobile-hidden"
style="height:
1px;
line-height:
1px; padding:
0px;"
width="15"
valign="top"
height="1"
align="center">
<img alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: auto; max-width: 100%;"
moz-do-not-send="true"
width="15"
vspace="0"
hspace="0"
height="1"
border="0">
</td>
<td
class="image-cell
content-image-cell" style="padding: 0px;" valign="top" align="center">
<div
class="publish-container">
<img alt=""
class="content-image"
style="display: block; height: auto; max-width: 100%;"
src="https://imgssl.constantcontact.com/letters/images/PT1858/Champagne_BS7051177.jpg"
moz-do-not-send="true" width="250" vspace="0" hspace="0" border="0">
</div>
</td>
</tr>
<tr>
<td
class="mobile-hidden"
style="height:
1px;
line-height:
1px; padding:
0px;"
width="5"
valign="top"
height="5"
align="center">
<img alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: auto; max-width: 100%;"
moz-do-not-send="true"
width="5"
vspace="0"
hspace="0"
height="1"
border="0">
</td>
<td
class="mobile-hidden"
style="height:
5px;
line-height:
1px; padding:
0px;"
valign="top"
height="5"
align="center">
<img alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: auto; max-width: 100%;"
moz-do-not-send="true"
width="1"
vspace="0"
hspace="0"
height="5"
border="0">
</td>
</tr>
</tbody>
</table>
</div>
<div
class="text-container
galileo-ap-content-editor">
<div>
<div>Happy New
Year to you
and your
family! As the
year ends I
want to take a
moment to
reflect on the
past year and
be thankful
for the
support of our
loyal clients,
and network
& business
associates. We
wouldn't be
here without
you.</div>
<div><br>
</div>
<div>I strive
to provide our
community
& network
with the best
insurance and
planning
services</div>
<div><br>
</div>
<div><br>
</div>
<div>Cheers to
another great
year! If you
have any
questions now
or into the
New Year,
don't hesitate
to contact me.
I'm always
happy to help.</div>
<div><br>
</div>
<div>Sincerely,</div>
<div><br>
</div>
<div>Tony
Guggino</div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table
class="galileo-ap-layout-editor"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="divider-container
editor-col
OneColumnMobile"
width="100%"
valign="top"
align="left">
<div
class="gl-contains-divider">
<table
class="editor-divider"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="divider-container"
valign="top"
align="center">
<table
class="galileo-ap-content-editor"
style="cursor:
default;
min-width:
100%;"
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="divider-base
divider-solid"
style="padding: 9px 0px;" width="100%" valign="top" align="center">
<table
style="width:
90%;
min-width:
90%; height:
1px;"
cellspacing="0"
cellpadding="0" border="0" align="center">
<tbody>
<tr>
<td
style="background-color:
rgb(149, 149,
149);
border-bottom-style:
none; height:
1px;
line-height:
1px;
padding-bottom:
0px;"
height="1"
bgcolor="959595"
align="center">
<div><img
alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: 1px; width: 5px;" moz-do-not-send="true"
width="5"
vspace="0"
hspace="0"
height="1"
border="0"></div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table
class="galileo-ap-layout-editor"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="about
editor-col
OneColumnMobile"
width="100%"
valign="top"
align="left">
<div
class="gl-contains-text">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="editor-text
about-text"
style="font-family:
Arial,
Verdana,
Helvetica,
sans-serif;
font-size:
14px; color:
#323534;
text-align:
center;
display:
block;
word-wrap:
break-word;
line-height:
1.2; padding:
10px 30px;"
valign="top"
align="left">
<div
class="text-container
galileo-ap-content-editor">
<div>
<div>Tony
Guggino, CLU,
ChFC] |
212-472-2140]
|
[<a class="moz-txt-link-abbreviated" href="mailto:tguggino@cpseainsurance.com">tguggino@cpseainsurance.com</a></div>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table
class="galileo-ap-layout-editor"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="spacer
editor-col
OneColumnMobile"
width="100%"
valign="top"
align="left">
<div
class="gl-contains-spacer">
<table
class="editor-spacer"
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-container"
valign="top"
align="center">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-base"
style="padding-bottom: 10px; height: 1px; line-height: 1px;"
width="100%"
valign="top"
align="center">
<div><img
alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: 1px; width: 5px;" moz-do-not-send="true"
width="5"
vspace="0"
hspace="0"
height="1"
border="0"></div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<table
class="galileo-ap-layout-editor"
style="min-width: 100%;" width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td
class="social
editor-col
OneColumnMobile"
style="background-color: #c4f4e0;" width="100%" valign="top"
bgcolor="#c4f4e0"
align="left">
<div
class="gl-contains-spacer">
<table
class="editor-spacer"
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-container"
valign="top"
align="center">
<table
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td
class="spacer-base"
style="padding-bottom: 10px; height: 1px; line-height: 1px;"
width="100%"
valign="top"
align="center">
<div><img
alt=""
src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: 1px; width: 5px;" moz-do-not-send="true"
width="5"
vspace="0"
hspace="0"
height="1"
border="0"></div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<div
class="gl-contains-social-button">
<table
class="editor-social"
style="width:
100%;
min-width:
100%;"
width="100%"
cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td class="
social-container
social-container" style="padding: 0px 30px 10px;" align="center">
<div
class="galileo-ap-content-editor"
style="">
<a href="#"
style="display:
inline-block;
text-decoration: none;" moz-do-not-send="true">
<img
alt="Facebook"
src="https://imgssl.constantcontact.com/galileo/images/templates/Galileo-SocialMedia/facebook-visit-default-circle.png"
style="display: inline-block; margin: 0; padding: 0;"
moz-do-not-send="true"
width="32"
border="0">
</a>
<a href="#"
style="display:
inline-block;
text-decoration: none;" moz-do-not-send="true">
<img
alt="Twitter"
src="https://imgssl.constantcontact.com/galileo/images/templates/Galileo-SocialMedia/twitter-visit-default-circle.png"
style="display: inline-block; margin: 0; padding: 0;"
moz-do-not-send="true"
width="32"
border="0">
</a>
<a href="#"
style="display:
inline-block;
text-decoration: none;" moz-do-not-send="true">
<img
alt="Instagram"
src="https://imgssl.constantcontact.com/galileo/images/templates/Galileo-SocialMedia/instagram-visit-default-circle.png"
style="display: inline-block; margin: 0; padding: 0;"
moz-do-not-send="true"
width="32"
border="0">
</a>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
<tr>
<td><br>
</td>
</tr>
</tbody>
</table>
<table class="footer-container" style="background: #ffffff;
margin-left: auto; margin-right: auto; table-layout: auto
!important" width="100%" cellspacing="0" cellpadding="0"
border="0" bgcolor="#ffffff">
<tbody>
<tr>
<td style="width: 100%;" width="100%" valign="top"
align="center">
<div class="footer-max-main-width" style="margin-left:
auto; margin-right: auto; max-width: 100%;"
align="center">
<table width="100%" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td class="footer-layout" style="padding: 16px
0px;" valign="top" align="center">
<table class="footer-main-width" style="width:
580px;" cellspacing="0" cellpadding="0"
border="0">
<tbody>
<tr>
<td class="footer-text" style="color:
#5d5d5d; font-family:
Verdana,Geneva,sans-serif; font-size:
12px; padding: 4px 0px;" valign="top"
align="center"><br>
</td>
</tr>
<tr>
<td class="footer-row" style="padding:
10px 0px;" valign="top" align="center"><br>
</td>
</tr>
<tr>
<td class="footer-text" style="color:
#5d5d5d; font-family:
Verdana,Geneva,sans-serif; font-size:
12px; padding: 4px 0px;" valign="top"
align="center"><br>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<div style="background-color:#F3F3F3;" align="center">
<table style="background-color:#f3f3f3" width="100%"
cellspacing="0" cellpadding="0" border="0" bgcolor="#f3f3f3">
<tbody>
<tr>
<td valign="top" align="left">
<div
style="max-width:600px;margin-left:auto;margin-right:auto;
background-color:#F3F3F3;" align="center">
<table
style="background-color:#f3f3f3;margin-left:auto;margin-right:auto;"
class="MainWidth" width="100%" cellspacing="0"
cellpadding="0" border="0" bgcolor="#f3f3f3">
<tbody>
<tr>
<td class="MainSide"><br>
</td>
<td class="MainCenter" width="600" valign="top"
align="center">
<table width="100%" cellspacing="0"
cellpadding="0" border="0">
<tbody>
<tr>
<td style="color: #5b5b5b; font-size:
11px; line-height: 1.3; font-family:
Arial, Helvetica, sans-serif; padding:
15px 10px 30px 10px ;" valign="top"
align="left">
<div class="MobileFooter"
style="color:#FF0000; font-size:
11px; line-height: 1.3; font-family:
Arial, Helvetica, sans-serif;"><br>
</div>
</td>
</tr>
</tbody>
</table>
</td>
<td class="MainSide"><!--[if lt IE 7]><img alt="" width="1" height="5" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" /><![endif]--><br>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</body>
</html>