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       About the Authors

      RACHAEL STEWART adores conjuring up stories, from heartwarmingly romantic to wildly erotic. She’s been writing since she could put pen to paper—as the stacks of scrawled-on pages in her loft will attest. A Welsh lass at heart, she now lives in Yorkshire with her very own hero and three awesome kids—and if she’s not tapping out a story she’s wrapped up in one or enjoying the great outdoors. Reach her on Facebook, Twitter (@rach_b52) or at rachaelstewartauthor.com.

      J. MARGOT CRITCH currently lives in St John’s, Newfoundland, with her husband, Brian, and their two little buddies, Simon and Chibs. She spends equal amounts of time writing, listening to Jimmy Buffett’s music and looking out at the ocean—all the while trying to decide if she wants coffee or a margarita.

       Naughty or Nice & A Sinful Little Christmas

       Rachael Stewart and J. Margot Critch

       www.millsandboon.co.uk

      ISBN: 978-0-008-90115-8

      NAUGHTY OR NICE & A SINFUL LITTLE CHRISTMAS

      Naughty or Nice © 2019 Rachael Stewart A Sinful Little Christmas © 2019 Juanita Margot Critch

      Published in Great Britain 2019

      by Mills & Boon, an imprint of HarperCollins Publishers 1 London Bridge Street, London, SE1 9GF

      All rights reserved including the right of reproduction in whole or in part in any form. This edition is published by arrangement with Harlequin Books S.A.

      This is a work of fiction. Names, characters, places, locations and incidents are purely fictional and bear no relationship to any real life individuals, living or dead, or to any actual places, business establishments, locations, events or incidents. Any resemblance is entirely coincidental.

      By payment of the required fees, you are granted the non-exclusive, non-transferable right and licence to download and install this e-book on your personal computer, tablet computer, smart phone or other electronic reading device only (each a “Licensed Device”) and to access, display and read the text of this e-book on-screen on your Licensed Device. Except to the extent any of these acts shall be permitted pursuant to any mandatory provision of applicable law but no further, no part of this e-book or its text or images may be reproduced, transmitted, distributed, translated, converted or adapted for use on another file format, communicated to the public, downloaded, decompiled, reverse engineered, or stored in or introduced into any information storage and retrieval system, in any form or by any means, whether electronic or mechanical, now known or hereinafter invented, without the express written permission of publisher.

      ® and ™ are trademarks owned and used by the trademark owner and/or its licensee. Trademarks marked with ® are registered with the United Kingdom Patent Office and/or the Office for Harmonisation in the Internal Market and in other countries.

       www.millsandboon.co.uk

      Version: 2020-03-02

      MILLS & BOON

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       Note to Readers

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       Table of Contents

       Cover

       About the Authors

       Title Page

       Copyright

       Back Cover Text

       Dedication

       CHAPTER SIX

       CHAPTER SEVEN

       CHAPTER EIGHT

       CHAPTER NINE

      

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