H B OME UILDERS A SSOCIATION NEWSBRIEF The Official Newsletter of the Home Builders Association of Greater Southwest IL To promote, educate and advocate for the Residential Building & Remodeling Industry; providing resources that benefit industry professionals and consumers in the communities we serve. April 2017 issue www.hbaswil.org Quality consumers seems to be the reoccurring comment from the Home Show exhibitors! The recent hail storm gave many local residents a list of items around the house to address. They knew what they needed and came to the right place to find it. The various outlets marketing the Home Show proved to be solid as consumers shared how they heard about the Home Show when they arrived. The Re-Sale was a great success: members were happy to donate their extra inventory and the consumers enjoyed buying quality items at yard sale prices. Another great year of donations of canned goods and household necessities were received at the door that benefited the following charities: Community Interfaith, First Baptist Food Pantries and Violence Prevention Center. Early Bird reservations are being received for the 2018 Home Show, contact the HBA office to reserve your booth today! On behalf of the Home Show Committee, we would like to thank those that participated. The support and involvement from exhibitors, sponsors and volunteers helps make the show a success. IN THIS ISSUE  Home Show Review  Power Hour Conference  RC - Fishing Tournament  2017 Lobby Day  Sport Clay Shoot  PWB - Lunch with Mayor of Carlyle Lake  SAFB Air Show Support  Homes on Parade Sponsorships  Membership updates  Industry Updates  Annual Sponsorship Recognition  April Calendar

Spring Home Show Thank you to our generous sponsors for making this event possible and for showing their commitment and support to the industry along with our communities! Corporate Sponsors Kid Zone Sponsor Community Support Sponsor 2


Spring Home Show Pictures Advanta Clean Ameren Illinois Archway Barcom Bath Fitter Belleville News-Democrat Butler Home Improvement CertaPro Painters Chesley Fence & Deck Custom Marble Coach House Garages Creative Landscaping Cutco Cutlery Eagle Flooring Everlast Home Improvements FCB Banks Firstco Mortgage Klemme Construction J.T. McDermott Remodeling Contractors 4 Henges Interiors Helitech - Waterproofing & Foundation Repair

Shore Fishing at Edwardsville Gun Club 4104 Staunton Rd., Edwardsville - (618) 656-2875 Bring your own live bait and tackle! $50 Team Entry (two persons/kids welcome) Includes: Give-A-Way, Dinner, Drinks and Friendly Competition 12:00 pm - Registration 1:00 pm - Drop your line 4:00 pm - Reel it in 5:00 pm - Awards Winner Categories: Total Team Weight $100 hourly Prizes for Biggest Size: Bass, Catfish, Bluegill, Crappie 1st Place Team - $150 | 2nd Place Team- $100 3rd Place Team - $50 Rod & Reel Raffle ($250 value) 1 ticket for $10 or 3 for $25 ~ limited # of tickets sold ~ Winner does not need to present to win Sponsorships to lure you! Prize Sponsor……………………$ 200.00 Plaques with your logo to winners Grub Stand Sponsor……..........$ 150.00 Dinner & drinks sponsor Tackle Box Sponsor……............$ 100.00 Give-a-way item to participants Bait & Hook Sponsor……..........$ 50.00 Signage at the lake Registration: complete the following information and return it to the HBA office (please print) ___ $50 Team of two ___ $200 Prize Sponsor ___ $100 Tackle Box Sponsor ___ $150 Grub Stand Sponsor ___ $50 Bait & Hook Sponsor ___ 1 Raffle ticket for $10 ___ 3 Raffle ticket for $25 Expiration: ______ Signature: ___________________ Company Name: ________________________________________________________________________________ Contact Name: _______________________________ Phone#/Email: __________________________________ Fisherman one (1) ______________________________ Fisherman two (2) ________________________________ HBA Policy: Registration for the Fishing Tournament is considered confirmation of your participation and will be invoiced if cancellation is not made within 3 days of the event. 5 Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 Office: (618) 343-6331 - Fax: (618)343-6335 www.hbaswil.org ~ Email: hba@hbaswil.org TOTAL DUE $ _______ Method of Payment: ___Member Invoice ___Check ___Visa/MasterCard* *credit card payments will include an additional 4% convenience fee Credit Card# ___________________________________

Spring Home Show Pictures Jacob Sunrooms, Exteriors & Baths Heartland Turf Farms Illinois Home Performance Fulford Home Remodeling Floor Coverings International Fence & Deck Depot, Inc. Landscapes Unlimited Liese Lumber Light Brite Martin Glass McCullough Flooring Midwest Carpet Cleaning Mill Hollow Munie Greencare 6 Otten Contracting, Inc. Padgett Building & Remodeling


Spring Home Show Pictures R.P. Lumber Sherwin Williams Trost Plastics Underwood Chiropractic Woods Basement Systems Congratulations to our fellow members for their accomplishments that were awarded at the recent RASI Awards Luncheon! Affiliate of the Year award is the highest honor an affiliate member can receive. It is awarded to a dedicated individual who has demonstrated an ongoing commitment to supporting Association's activities. Team Recognition Professionalism Award is the backbone of the REALTOR® Association of Southwestern Illinois. While the Code of Ethics establishes objective, enforceable standards governing the professional conduct of REALTORS®, it doesn’t address issues of courtesy on etiquette. Kate Cline Benchmark Title Co. Individual Recognition Charlene Brennan (PWB Council) Strano & Associates Real Estate Garnet Diamond (65-69 Units or $10,000,000 - $14,999,999) Cindy Veliz Raquel Vice (PWB Council) The Veliz-Vice Team - Century 21 Advantage Real Estate Inc. (55 - 59 Units or $5,000,000 - $7,499,999) Doug L. Payne Southern Illinois Realty 8 Gold (35 - 44 Units or $3,000,000 - $3,999,999) Judy E. Ross Southern Illinois Realty

Bang for your Buck Opportunities Friday, May 12th 2017 8:00 am Registration NILO FARMS 15025 IL-111, Brighton, IL (618) 466-0613 “One of our Nations finest hunting & shooting facilities” $105 each registration “loaded” with: 100 Rounds of Sporting Clays, Ammo, Drinks, Lunch and Friendly Competition (Protective eye wear required) ___ $105 per Sport Clay Shooter ___ $250 Snack/Soda Station (limited to 3 ONLY) ___ $200 T-shirt Sponsor ___ $150 Score Sheet Sponsor ___ $100 Station Sponsor ___ 1 Raffle Ticket for $20 ___ 3 Raffle Tickets for $50 Snack/Soda Cart Sponsor………....…….$250 Signage & opportunity to meet with all shooters T-shirt Sponsor…………………………….$200 Logo on the back of shirts for all shooters Score Sheet Sponsor…………….......…..$150 Logo on all score sheets Station Sponsor…………….….…….. …..$100 Company Name on signage at a station Gun Raffle ($1,000+ value)….…….. Super X4 Sponsored by 1 ticket for $20 or 3 for $50 ~ limited # of tickets sold or $750 cash for the non-shooting enthusiast Winner does not need to be present to win ALL SPONSORS welcome to “man their stations” and will receive 1 comp lunch at the event. Contact the HBA to make arrangements Registration: complete the following information and return it to the HBA office (please print) TOTAL DUE $ _______ Method of Payment: ___Member Invoice ___Check ___Visa/MasterCard* *credit card payments will include an additional 4% convenience fee Credit Card# _________________________________________________ Expiration: ______ Signature: _________________________________ Company Name: ________________________________________________________________________________ Contact Name: _______________________________ Phone#/Email: ___________________________________ Names of attendee(s) _________________________________________T-shirt Size______ _________________________________________T-shirt Size______ _________________________________________T-shirt Size______ HBA Policy: Registration for the Sport Clay Shoot is considered confirmation of your participation and will be invoiced if cancellation is not made within 3 days of the event. _________________________________________T-shirt Size______ _________________________________________T-shirt Size______ _________________________________________T-shirt Size______ 9 Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 Office: (618) 343-6331 - Fax: (618)343-6335 www.hbaswil.org ~ Email: hba@hbaswil.org …..$20-$50

Reporting Requirement Compliance with the Employment Classification Act... An urgent reminder that the ECA Reporting Form deadline is 4-30-17 For All CONTRACTORS who had construction services performed in 2016 ECA Reporting Requirements Any contractor who has construction services performed for it by an individual, sole proprietorship or partnership that is not an employee of the contractor must file a report by April 30, 2017 with the Department of Labor. The report must include the following Information: 1. contractors name, address, business identification number; the name, address and business identification number of each entity or person providing services, along with total amount paid for services and materials and equipment during the taxable year. A contractor, who fails to submit a report to the Department or submits a false report, violates the Act and is subject to civil penalties and debarment. This report MUST be submitted electronically below. You have to use the IDOL Electronic Form To find the IDOL.gov electronic form go to: www.IllinoisDepartmentofLabor.gov See Quick Links, under Prevailing Wages heading, third topic down: Click on…Annual ECA Report Submissions Click on…Submission Page (bottom on left side) Click on...ECA Reporting Form (middle of page) Complete the form online. No 1099's will be allowed. Congratulations to our fellow members for their accomplishments that were awarded at the recent GGAR Awards Banquet! Affiliate of the Year is awarded to an affiliate business partner of GGAR that actively participates in the affiliate committee, and volunteers of their time and talent to support the goals and networking events of the association and it’s members. Ruby Garnet (80 Units or $25,000,000 +) Kevin Wrigley Fusion Realty Benchmark Title Company (65-69 Units or $10,000,000 +) Tammy & Rick Owens RE/MAX Alliance 10

Congress Strikes Down OSHA Recordkeeping Rule In a victory for NAHB and the small business community, the Senate today passed legislation approved by the House earlier this month that will force the Occupational Safety and Health Administration (OSHA) to reverse a recent recordkeeping rule that would needlessly harm small employers. “NAHB led the charge along with other industry groups to work with Congress to roll back this regulatory overreach,” said NAHB Chairman Granger MacDonald. “OSHA’s rule would subject millions of small businesses to citations for paperwork violations, while doing nothing to improve worker health or safety.” NAHB vigorously opposed OSHA for overstepping its authority by unilaterally extending the explicit six-month statute of limitations on recordkeeping violations to five years. The Occupational Safety and Health Act of 1970 established that employers must keep accurate records of employee injuries and illnesses for five years and that OSHA has six months to cite an employer for a violation. Subsequent court rulings upheld the six-month statute of limitations. Nonetheless, in a clear attempt to circumvent congressional authority and in spite of the court rulings, OSHA proceeded with its rulemaking, which went into effect on Jan. 18. When President Trump signs the legislation into law, OSHA will still be able to issue a citation for recordkeeping paperwork violations up to six months after they occurred and employers will still have the exact same obligation to record injuries as they always had. The difference: OSHA will no longer be able to play “gotcha” by issuing a citation five years after the occurrence, which would do nothing to minimize workplace hazards but would subject small businesses to needless fines and excessive paperwork requirements. The legislation passed by a vote of 50-48. For more information, contact Alex Strong at 800-368-5242 x8279. 11

Private Lunch with Professional Women in Building Metro East Tuesday - May 16th, 2017 11:30a to 1:00p Bretz Wildlife Lodge & Winery Restaurant 15469 State Route 127 Carlyle, IL 62231 Join HBA members as we learn more about Carlyle  Carlyle School District • Community Activities  Housing & Business Starts  and much more!! Mike Burton moved to Carlyle from Alton in 1962 and has enjoyed the small-town atmosphere ever since. Mike grew up with a very loving and compassionate mother who was very active in the foster care program and adopted fourteen children so his home was always a busy place. Burton attended Maryville University graduating with a BS in Accounting and went on to work for the Carlyle Sheriff’s Department for over 25 years, first as a Deputy Sheriff and then Captain. Along with his public service duties Burton has substitute taught at many of the local schools including Kaskaskia College. Residents of Carlyle will often see Mike getting his exercise by walking the City streets almost every day and answering constituent’s questions. His daily walks cannot happen however, until his longtime Pinochle game has finished. Mike is a fierce pinochle player and his trivia team is known throughout the area for their first-place finishes. Burton is also a longtime Lions Club member and this year will serve as its President. Mayor Mike Burton of Carlyle # of reservations ____@ $25 per HBA Member includes lunch Company Name: __________________________________________________________________________________________ Phone# & Email: _________________________________________________________________________________________ Name(s) of attending: ______________________________________________________________________________________ ___Amount enclosed or payment below ___Will pay at the door (no shows will be invoiced) ___Invoice company Charge to Visa/MasterCard Number*: __________________________________________ Exp Date ______ *credit card payments will include an additional 4% convenience fee Signature _____________________________________ Mail to: HBASWIL, 6100 W. Main Street, Maryville, IL 62062 –or- Fax to: (618) 343-6335 HBA Policy: Registration for the HBA Event is considered confirmation of your participation and will be invoiced if cancellation is not made within 3 days of the event. 12 Mayor Mike Burton of Carlyle

Immigration and its Economic Impacts Recently, Senator Tom Cotton from Arkansas and Senator David Perdue from Georgia introduced legislation aiming to reduce legal immigration to slightly more than 500,000/year from the current rate of one million/year. The explanation given by both senators was that reducing the number of immigrants would shrink the pool of labor, thus raising wages, and hopefully encouraging some of the many Americans who have quit the labor force to return. While sounding plausible, the data does not support this position. Moreover, reduced immigration will bring the US perilously close to a situation it has never seen: near-zero population growth. Per an exhaustive study carried out by the US National Academy of Sciences, immigration does not drive down wages. Rather, immigration was found to have a “very small” and short-term effect on native-born workers lacking a high school degree. Another study that looked at non-European immigration into Denmark between 1991 and 2008 found that immigrants didn’t reduce wages, and instead freed natives to do more agreeable work. And when only high-tech immigration is analyzed, at worst, studies find that wages of American computer workers and scientists are depressed by up to 10%, but the overall economy is better off by boosting innovation and reducing prices for consumers. While somewhat counterintuitive, these studies demonstrate that rather than taking jobs performed by natives, immigrants create new employment opportunities, and along the way, can push the natives into higher paying jobs. The mistaken belief that immigrants reduce employment opportunities for Americans is based on a false notion that there is a fixed amount of work to be done, and that job gains made by immigrants come at the expense of natives who are displaced. In addition, immigrants often bring skills that are in great demand. For example, at present, there is a shortage of occupational and physical therapists, 13 nurses, construction workers, engineers, metal workers, etc. However, wages in these professions do not appear to be rising substantially faster than those in occupations where labor shortages are less severe. This is because more construction and metal workers simply cannot be found, regardless of the wage offered. Thus, employers have been forced to cut back on production because of a dearth of skilled labor. This situation helps no one. Separately, ponder this: on average, the working-age population grew by 1.4% per year between the years 1965 and 2015, and economic growth averaged 3%. Assuming current fertility and immigration rates, the working-age population will grow just 0.3%/year between now and 2037. With only 500,000 immigrants per year, the working-age population will grow by just 0.1%/year. And with no immigration, the working-age population shrinks by 0.1%/year. Under these conditions, we will be lucky to see annual GDP growth of 1.5%/year, not to mention declining house prices. House prices would be expected to fall in cities in counties with declining populations, as the number of buyers would progressively decline. While many Americans fear that immigrants -- in particular illegal immigrants -- threaten their employment opportunities and wages, in almost all situations that is not the case. Frequently, immigrants perform demanding physical work that Americans prefer not to do, and even when that is not so, immigrants often have skills that are in short supply. Lastly, in an economy that is rapidly aging and slowly growing, immigration is the key to population growth. That growth will allow us to avoid a host of painful problems, including declining property values and rising tax burdens that we would be wise to avoid. Elliot Eisenberg, Ph.D. is President of GraphsandLaughs, LLC He can be reached at Elliot@graphsandlaughs.net. His daily 70 word economics and policy blog can be seen at www.econ70.com.

Serve those that Serve us at the Scott Air Force Base 2017 Air Show! HBA members can show their support of SAFB during the 2017 Air Show by providing food service for the Performers, Air Crew & Volunteers on Saturday, June 10 & Sunday, June 11 $500 Sponsorship Opportunity includes:  Company name listed on signage at the main consumer entrance  Company logo on the HBA volunteer shirts  Exposure in HBA press releases, newsletters, website and events Registration Deadline: May 26, 2017 Sponsorship Registration - $500 each Name: __________________________________ Company: _______________________________ Phone #/Email __________________________________ METHOD OF PAYMENT: ___ Check Enclosed ___ Invoice Member Company ___ Charge to Visa/Mastercard* Card# __________________________________________ *credit card payments will include an additional 4% convenience fee Exp Date _______ Signature_____________________ HBA staff will contact you to confirm you logo is correct and any other information needed to promote your business. Volunteer Registration: Name: ___________________________ Company: ________________________ Cell# _____________________________ Email ____________________________ Shirt Size: S M L XL XXL XXXL Shift Request: Saturday, Jun 10 Sunday, Jun 11 ___ 10am - 12 pm ___ 10am - 12 pm ___ 12pm - 2pm ___ 12pm - 2pm ___ 2pm - 4pm ___ 2pm - 4pm Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 Office: (618) 343-6331 - Fax: (618)343-6335—Email: hba@hbaswil.org 14

I’m a subcontractor, material supplier, or design professional – I don’t need to worry about the implied warranty of habitability – Right? While the implied warranty of habitability has been a concern to homebuilders, since it was first recognized by the courts, subcontractors need to be concerned with the effect of the warranty, as well. In a recent case brought by the Sienna Court Condominium Association in Evanston, Illinois, the 1st District Appellate Court addressed the holdings that allow a property owner to bring a claim to correct a latent construction defect directly against one or more subcontractors. As early as 1983, the Court had ruled that a homeowner could proceed against a subcontractor, directly, where the general contractor was insolvent, so the homeowner has no other recourse against the general contractor; and the defect was caused by the subcontractor(s). The issue in Sienna was whether recourse had been available, so that claims could not be made against the subcontractors, where the general contractor had filed for bankruptcy; but the general contractor’s warranty fund and/or insurance had provided some funds to the homeowner. The Court reiterated what it believed to be a bright-line rule that the solvency of the general contractor controls whether a claim may be brought directly against a subcontractor or not. Insolvency, the Court found, means that the general contractor’s liabilities exceed the value of its assets; and the general contractor has stopped paying its debts in the ordinary course of business. Once it has been determined that the general contractor is insolvent, under this definition, the court found it irrelevant whether the homeowner had received some funds from the GC’s warranty fund or might receive some funds from the GC’s insurance; and allowed the claims to be brought against the involved subcontractors. The ruling of the court is better news for design professionals and material suppliers. The court held that the implied warranty is a claim for construction defects; and may not be imposed against design professionals or material suppliers who do not engage in actual construction activities. The bottom line, from this ruling, is that both general contractors and subcontractors need to be concerned about the implied warranty of habitability. As discussed in previous blogs, there is a means to eliminate claims under the implied warranty of habitability. But the construction contract needs to address the warranty. Contractors and subcontractors should both consult their attorney, to discuss how to lessen the risk of being held liable under an implied warranty claim. At our core, Sandberg Phoenix is a group of attorneys with diverse skills committed to providing our clients with superior client service. As one of the very first law firms to offer a client service satisfaction guarantee, Sandberg Phoenix stands by this commitment. We truly care about our clients and develop close relationships to best understand how we can solve each legal issue they face. Email: sschultz@sandbergphoenix.com Sue A. Schultz, Esq. - Phone: 618-624-3478 or 314.425.8431 Blog: www.sandbergphoenix.com/construction-litigation/blog/ 15

SHARE YOUR SUPPORT of new homes built in the Metro East while saving BIG dollars on a full blown marketing campaign! s o c i a t i Event Promotion Partner $1500 each (Valued at $10k) non-competing companies only Sponsorship Logo recognition in all print advertisements to over 100,000 consumers in St. Clair County & Madison County premier publications, parade craze app ads, full page magazine ad, press release recognition, featured Facebook ads, HBA website hyperlinks for 10 months. Parade Craze App Advertising $1,000 each (max of 7 only) Banner ad you create for rotation in the event app linked directly to your website that will be displayed for 10 months, half page magazine ad, facebook and website promotion of App. Ad size 8.5”w x 1.17”h Event Magazine Advertising $500 full page ~ $250 half page Industry specific publication that will be placed in the BND and in-house at the builder homes. All ads will be in FULL COLOR, only ready-to-use ads can be submitted in .jpeg or .pdf. format. 7.25”W x 9.75”H vertical ad ONLY Magazine & Parade Craze Ad deadline: Monday, May 15 Half Page Full Page 7.25”W x 4.875”H horizontal ad ONLY Parade Craze App 8.5”w x 1.17’h Horizontal ad ONLY __Event Promotion Partner $1500 __ Parade Craze App $1000 __ Full Page ad $500 __ Half Page ad $250 Company _________________________________________________________________________________________________ Contact Name ___________________________________ Email/Phone# _________________________________________ ⌂ Payment Enclosed ⌂ Invoice Company ⌂ Charge to credit card * 4% convenience fee will be added to credit card payments Charge to Visa/Master Card# ________________________________________________ Exp date: ________ Signature: ___________________________________________ The individual completing this contract warrants that he/she has been duly authorized to execute this binding agreement and the HBA Member Company will continue to fulfill these terms even if the individual ceases to be part of the HBA Member Company. SEND COMPLETED FORM TO: Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 Office: (618) 343-6331 - Fax: (618)343-6335 - Email: hba@hbaswil.org www.hbaswil.org 16 p i r o e s n e l i n l t I e t d s y b e ─ h w o H o u m S e e r B u e a t i l d G r e r s o f A s o n t s

March 2017 Renewed Members Fusion Realty Heartland Turf Farms, Inc. Providence Bank Ron Woods Excavating, Inc. Sherwin-Williams Company Remodelers Council Roofers Mart Exterior Building Products Green Building Council Otten Contracting, Inc. Professional Women in Building Council Ambassador Floor Company Brennan Building & Remodeling D&F Contracting Homes by Deesign, Inc. March 2017 New Members Renee Wittenauer Cecil Management 784 Wall St., Suite 150, O’Fallon, IL 62269 Phone: (618) 233-4603 Email: rwittenauer@cecilmanagement.com Website: www.cecilmanagement.com Scot Lehr Quality Installation and Home Improvement Co. 1108 N. Belt West, Swansea, IL 62226 Phone: (618) 233-4603 Email: scotatquality@att.net Website: www.qualityinstallation.net Dave Stein Dave Thompson DRS Construction & Landscaping, LLC 3104 Rock Hill Rd., Belleville, IL 62221 Phone: (618) 406-1486 Email: drs.construction@hotmail.com 17 Woods Basement Systems 524 Vandalia St, Collinsville, IL 62234 Phone: (618) 344-2288 Email: dthompson@woodsbasementsystems.com Website: www.woodsbasementsystems.com



2017 HBA Home Show Corporate Sponsors OFFICERS President, Dave Padgett - Padgett Building & Remodeling Co., Inc. 1st Vice President, Joe Lanahan - Joe Lanahan Construction Services 2nd Vice President, Beth Jacob - Jacob Family Enterprises Southwest Illinois Housing Advancement Fund 2017 Home Builders Association Platinum Annual Sponsors Associate Vice President, Mindy Shafer - Wells Fargo Home Mortgage Secretary, Jerry Yaekel, Jr. - Yaekel & Associates, Inc. Treasurer, Robb Treat - Guaranteed Rate, Inc. Immediate Past President, Jeff Schmidt - RLP Development 2017 HBA Silver Annual Sponsors DIRECTORS Jason Klein - Ameren Illinois Michelle Null - Benchmark Title Company Art Stumpf- AUTCOhome Appliances Joe Knox - Copious Technologies Joel Keel - Custom Floors & More Robert Dee Jr. - Homes by Deesign Aaron Klemme - Klemme Construction Jeff Lantz - Lantz Homes, Inc. Jason Huelsmann - New Tradition Homes Barbara Markham - RE/MAX Preferred, The Markham Network Ryan Butler - Remington Properties Mike Rathgeb - Spencer Homes OFFICER REPRESENTATIVE DIRECTORS Ken Diel - Diel & Forguson Mark Fulford - Fulford Construction Chris Matteo - Fulford Homes, LLC John Snapat, CAPS, CGR - Fulford Home Remodeling Matt Brandmeyer - 2017 HBA Bronze Annual Sponsors Madison County Planning & Zoning Ron Padgett - Padgett Building & Remodeling Norm Etling - St. Clair County Sue Schultz - 20 Sandberg Phoenix & von Gontard P.C. Mark Vogt - Vogt Builders, Inc.

6100 West Main Street Maryville, IL 62062-6688 Office (618) 343-6331 Fax: (618) 343-6335 Email: hba@hbaswil.org WWW.HBASWIL.ORG 21

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