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Page 16 2016 HBA Homeowners’ Resource Guide Build Your Dream... with a home mortgage from First Clover Leaf Bank Call one of our home loan specialists or apply online at Scott B. Gruber Cell: 618.978.2433 NMLS ID: 466924 Marc E. Kamp Cell: 618.972.4423 NMLS ID: 400488 Cell: 618.781.9966 NMLS ID: 524249

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