H B OME UILDERS A The Unbeatable, Unstoppable Trivia Winners!! 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. December 2017 issue www.hbaswil.org Surprise family reveal and groundbreaking event! For the second year in a row the Carlyle Crew won 1st place with a Score of 77! Competition was so close two teams Scored 75! The tie was broken by the highest score of a random round. 2nd Place Team Belleville News Democrat! 3rd Place Team TheBANK of Edwardsville! Lance Corporal James Poggi enlisted in the U.S. Marines at age 19. He suffered a back injury when a helicopter malfunctioned during landing and he helped to catch the helicopter on mattresses he had stacked on a trailer when while serving in Afghanistan in 2010. His injury not only lingered, it worsened. James developed spinal meningitis that resulted in the complete loss of use in his left foot. He received an honorable discharge and continues to suffer from memory loss and post-traumatic stress disorder. He has had to rely on the use of his wheelchair or braces to be mobile, but that has not been without challenges. These injuries profoundly changed not only his life, but the lives of his wife and children as well. Poggi has received a number of medals including the Global War on Terrorism Service Medal, National Defense Service Medal, Navy Unit Commendation along with many others. More information can be found on page 2

The Poggi family applied for Operation Finally Home, which is a nonprofit that builds custom mortgage-free homes for military veterans and widows. Unaware that their application was chosen the family came to town under the impression that they were meeting to interview with homebuilder Homes by Deesign over lunch. When arriving to Brickyard Estates subdivision in Mascoutah what they thought was to view a possible lot location they were surprised when suddenly they were being escorted by three groups of veteran bikers. When they arrived to their surprise they welcomed by a giant American flag waving from a fire engine’s extended ladder along with the Mascoutah High School marching band and Junior ROTC squadron standing at attention. As the family exited the car they were welcomed to their future homesite with a round of applause. The groundbreaking ceremony began with Scott Airforce Base Honor Guard presenting Lance Corporal Poggi with a folded American flag followed by comments from Operation Finally Home, Builder: Bob Dee with Homes by Deesign, HBA President: David Padgett with Padgett Building & Remodeling, Invocation by Chaplin Lt. Maj. Kristi Hopp with Scott Air Force Base, Mayor of Mascoutah Jerry Daughtery, Mascoutah High School Principal Brandon Woodrum and Dory Nissen with Christian Broadcast Network Dory. The entire family was thrilled to have a hand on the golden shovel to turn over the first pile of dirt on the site of their future home! It was an emotional moment when the Poggi family was asked to speak. They didn't hesitate to thank everyone and share their shock and amazement of all those involved. Lance Corporal Poggi said “I don't understand how there can be people so good, so willing to help” and “I don't feel like a failure anymore.” Thank you to everyone that has donated and that was able to attend! It is truly inspirational to have so many companies come together to allow the Poggi family to live a life in a home without obstacles! For more information on the family, to view local news segments of the day, find ways you can help and watch the progress of the home visit our website at www.hbaswil.org. 2

Christmas Party Event Sponsors 5:30pm to 9:30pm Thursday, December 7th The Weingarten - 1780 Illinois 15, Belleville (618) 257-9463 $30 per person  Wine Tasting  Delectable Dinner and Dessert  Board of Directors Election  Silent Auction provided by: Professional Women in Building Council  Giving Warmth Coat Drive - Donations of new or gently used coats, scarves, hats and gloves of all sizes hosted by: Professional Women in Building Council Please respond by November 30, 2017 Join together for the HBA Holiday Party with a full course dinner and dessert menu including wine tasting and cash bar. This event also includes our official HBA membership vote for the 2018 Slate of Officers in accordance with the HBA By-Laws. The majority of members, in good standing, present shall be entitled to vote at this meeting of the Membership. Contact the HBA office if you can include items for the auction. Name(s): _________________________________________________________________________ Company/Contact Info: ___________________________________________________________ Number of Reservations: ____ @ $30 per person Total Due: $ _________ ___ Check Enclosed ___ Invoice Member Company ___ Charge to Visa/Mastercard* Visa/Mastercard Card Number: __________________________________________________________ credit card payments will include an additional 4% convenience fee Exp. Date: __________________ Signature ________________________________________________ Cancellation will be accepted 2 days prior to the Event. No refunds or credits will be given for cancellations or no-shows. 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 3

ANNUAL Trii Et Trivia Night Committee: Chair: Michelle Null - Benchmark Title Company Patty Schnepel - Ambassador Floor Joe Knox - Copious Technologies Scott Gruber - First Clover Leaf Bank Jeff Schmidt - R.P. Lumber 4

EMCEE DJ Team Ambassador Floor Co. Team Belleville Supply, Eagle Flooring, Fulford Home Remodeling, Alton Winlectric Team Benchmark Title 5 Team BNI, C.A. Jones, First Mid-Illinois Bank, Klemme Construction DOOR PRIZE



TEAM 2016 Champs Belleville News Democrat First Mid-Illinois Bank , Klemme Construction Ambassador Floor Belleville Supply, Eagle Flooring, Fulford Home Remodeling, Winlectric Illinois Title & Escrow Yaekel & Associates Shake & Shingle, Vogt Builders Benchmark Title Wells Fargo J. Decker Homes Jacob Family Enterprises Custom Marble Landscapes Unlimited Let’s Get Quizzical 72 71 68 65 65 Team J. Decker Homes 64 63 59 55 53 46 35 Team Landscapes Unlimited Team Jacob Family Enterprises SCORE 77 75 TheBANK of Edwardsville 75 BNI, C.A. Jones, 73 Team Custom Marble Team Illinois Title & Escrow Team Let’s Get Quizzical Team R.P. Lumber Team Shake & Shingle, Vogt Builders Team Wells Fargo HBA Team Yaekel & Associates 8 Thank you to our Veterans!

Power Women Luncheon Dr. Ronda Sauget, Executive Director of the Leadership Council Southwestern Illinois is responsible for identifying and mobilizing leaders in business, industry, labor, education, government, and building effective partnerships to address regional economic development issues, often playing a leadership role in advancing those initiatives that top the Leadership Council’s priority list. Since 1983, the organization has served as one voice, for Southwestern IL Business Community on five pillars, business, education, government, industry and labor. Dr. Sauget opened our eyes to many business and practices that are available in our region. She shared that the population between Madison, St. Clair, Macoupin, Clinton, Monroe, Jersey, Bond and Calhoun Counties is 1/2 of St. Louis MSA population and the 2nd largest population center in IL. We are home to the large domestic and international manufacturing, agriculture, and logistic companies: Amazon, P&G, dial, Hershey, Walgreens, Boeing, Kraft just to name a few. The 2016 Outstanding Local Government Achievement Award for Leadership in Planning and Design Innovation was won for the American Bottoms Levee Project that includes 65 miles of levee and working together with the St. Louis Regional Chamber that advanced the whole region. Scott Air Force Base is the largest employer in Southwestern IL and has received the coveted Abilene Awards multiple times for community that provides the finest support to an Air Mobility Command unit and was reported Best Place to live by Airforce Times. The lack of qualified workers created the Manufacture/Craft Your Future Campaign which educates high school students, parents, guidance counselors, principals and other influencers about the high paying jobs available in local manufacturing and trades. Over 12,000 students have been informed and events were created giving students a hands-on experience in construction trades. Geri Boyer is a registered professional engineer and is the Founder and President of Kaskaskia Engineering Group, LLC located in Belleville . This 100% woman-owned engineering, environmental and contracting firm is made up of two divisions - KEG Design and KEG Build. Geri enjoys learning and expanding her knowledge professionally and spiritually. She began her career as a Mining Engineer and returned to school for Civil Engineering and also a Master in Theology. She has also completed Diaconal Ministry training and serves at St. Peter and Paul Parish in Waterloo. She has also participated in silent and meditation retreats that led her to become a certified meditation teacher. Projects at KEG entail various construction inspections, funding and grants, structural engineering, recreational facilities, contracting, geotechnical, transportation, land development and environmental. Overseeing the day-to-day operations and ensuring the quality of all project engineered, inspected and built can become overwhelming and she knows everyone tries to juggle work/home and came up with her secrets to success to share: 1. Manage your thoughts. Grow from each experience and remove self judgement, stay positive and see the best in people. 2. Do not see barriers. Every problem has a solution so figure out how to go over, under or around the barrier. 3. Take care of yourself. Eat right and be healthy. 4. Community involvement. Give back by participating at an event or joining a non-profit or committee. 5. Practice Gratitude. Everyday think about what you are grateful for and what you want to achieve. 9

2017 HOME SHOW EXHIBITOR & SPONSORSHIP PACKET Available at www.hbaswil.org SHOW HOURS: FRIDAY ~ SATURDAY ~ SUNDAY March 2nd - 2pm to 7pm • March 3rd - 10am to 6pm • March 4th - 11am to 4pm SHOW LOCATION: Belle-Clair Exposition Hall 200 South Belt East (Route 13 & 159), Belleville, IL (618) 235-0666 Booth Costs $250 to $950 ~ Sponsorships from $500 to $5,000 HBA Home Show Floor Plan 11

Welcome to HBA Home Envy showcasing virtual videos of HBA Builders and the communities they build in with elevated views of homes exterior and interior. Video Sponsors Video Production Partner Fenton Showroom Visit www.hbaswil.org to view videos or click on thumbnail above 12

The Late Great Mortgage Interest Deduction With the possibility of tax reform and tax cuts right around the corner, it is important to understand how the proposed doubling of the standard deduction will impact households and will essentially render the mortgage interest deduction irrelevant for almost all US home owners! The current Republican plan raises the standard deduction from $6,350 to $12,000 for single filers and from $12,700 to $24,000 for married couples filing jointly. While the much larger standard deduction looks very advantageous, the new tax plan eliminates the personal exemption, which is currently $4,050/person. This means that the increase in tax-free income rises by just $1,600 ($12,000 - $6,350 -$4,050) for single filers and by $3,200 ($24,000 - $12,700 - $8,100) for married couples filing jointly. While these sums are not trivial, they are also not as large as advertised. The Unified Framework developed by the White House and the Republicans also proposes eliminating all itemized deductions except for mortgage interest and charitable donations, and state and local property taxes up to a cap of $10,000. While this appears to largely maintain the status quo, think again. Traditionally, tax filers added up mortgage interest, charitable donations, state and local taxes, and healthcare expenses. If those deductions (the most commonly used) collectively exceeded the standard deduction, itemizing would make sense and one’s tax burden would decline. Now, not only is the standard deduction almost doubling, but the deductibility of state and local income taxes and healthcare expenses is being eliminated. This means that to itemize, the sum of mortgage interest paid, charitable contributions, and property taxes must exceed $24,000. Few married couples hit that threshold. I estimate that no more than 6 percent of all households will itemize under the proposed plan compared to about 27 percent today. Moreover, the deductions of those who will still itemize will be worth less than before. This is because the tax advantage of itemizing depends entirely upon how much one’s itemized deductions exceed the standard deduction and one’s marginal tax rate. Given the increase in the size of the standard deduction, the amount by which one’s now 13 smaller itemized deductions exceed the newer, higher standard deduction will necessarily fall. And, as lowering tax rates is a part of this plan, the after-tax tax savings from itemizing will necessarily decline as well. As for the mortgage interest deduction, I estimate that the percentage of households that currently own their home and will still be able to deduct mortgage interest will fall from the current level of about 33 percent to about 7 percent. Here is an example to show why. Suppose a husband and wife have $20,000 in itemized deductions including $8,000 for state and local income taxes, $2,000 in charitable donations, $2,000 in property taxes, and $8,000 for mortgage interest. By itemizing now, that couple can reduce their taxable income by an additional $7,300 ($20,000 minus $12,700, the current standard deduction). If in the 25% tax bracket, the tax savings on that additional $7,300 are $1,825. But, as state and local income taxes will no longer be deductible, this couple would then only have $12,000 in deductible expenses. As that is lower than the $24,000 standard deduction, they would not itemize despite paying $8,000 in mortgage interest. This inability to deduct mortgage interest, despite it being technically deductible, will make home ownership slightly less appealing, and that will reduce the demand for home ownership, thus lowering house prices. To be specific, house prices are likely to fall by between 5 percent and 10 percent, with the decline increasing the more expensive the house and the higher the bite taken by both state and local income taxes. By nearly doubling the standard deduction and doing away with several key itemized deductions, the proposed Republican tax plan will, if it becomes law - and that is still a big “if” - reduce the value of itemizing and the mortgage interest deduction even though mortgage interest will remain deductible. And that will lower house prices. Elliot Eisenberg, Ph.D., President GraphsandLaughs, LLC Email: Elliot@graphsandlaughs.net His daily 70 word economics and policy blog can be seen at www.econ70.com

2018 Public Directory & Membership Directory Advertising Rate Card Unique annual publications with low cost to promote HBA members to consumers in our Public Directory and member to member direct in the Membership Directory. The Public Directory is inserted in the Sunday, January 21, 2018 Belleville NewsDemocrat reaching over 60,000 homeowners in St. Clair & Madison Counties. The Membership Directory is the go to phone book for all members to find other trade professionals, local municipality information and the annual calendar of events for the HBA.  All ads will be in full color  Collective Marketing benefit for HBA members ONLY Only ready-to-use ads can be submitted in .jpeg or .pdf  Deadline: December 15, 2017  Rates Ad Size (vertical only) $775 $625 $525 $525 $375 $225 Public Directory (Homeowners Resource Guide) - Deadline December 15, 2017 Ad Placement Full Page (7.75”W x 9.875”H) Back Cover Full Page (7.75”W x 9.875”H) Inside Front/Back Cover Full Page (7.75”W x 9.875”H) Inside pages 1/4 Page (3.75”W x 4.875”H) Front Cover (1 spot) Half Page (7.75”W x 4.875”H) 10 positions available 1/4 Page (3.75”W x 4.875”H) 20 positions available All current HBA members will be listed by classified listing in this publication, additional advertising options and costs provided are not negotiable. Due to limited space restrictions in the Public Directory Insert, advertising reservations will be taken on a first come first serve basis within the HBA membership. Membership Directory - Deadline December 1, 2017 Rates $425 $275 $175 $125 Ad Size (vertical only) Ad Placement Full Page Full Page Full Page 1/2 Page Inside pages Inside pages Back Cover, Inside Front/Back Cover Tab pages All current HBA members will be listed by company name, classification and member name in this publication. This directory also includes contact information for HBA, HBAI, NAHB, local municipalities and a full 2017 calendar of HBA events. Public Directory Ad Purchase : Back Cover___ Inside Front/Back Cover___ Inside Full pg___ Front Cover___ Half Pg___ Quarter Pg___ Membership Directory Ad Purchase: Back Cover, Inside Front/Back Cover___ Full Tab pg___ Full pg___ Half Pg___ Company ____________________________________________________________ ⌂ Invoice Company Total Ad Space Purchase $____________ Contact Name __________________________________ Email/Phone# __________________________________________ ⌂ Payment Enclosed ⌂ Charge to credit card (Visa/MasterCard ONLY) **credit card payments will include an additional 4% convenience fee Visa/Master Card# _____________________________________ Exp date: ________ Signature: __________________________ 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 14

EPA Administrator, Builders Talk Stormwater Enforcement by NAHB Now Builders and developers say that federal regulations designed to keep sediment out of local waterways have instead ended up in mountains of paperwork and confusion as to what constitutes a violation and what doesn’t. NAHB members met with Environmental Protection Agency (EPA) Administrator Scott Pruitt to relay this message and talk about solutions. In a meeting with top enforcement officials from EPA’s 10 regions, NAHB members suggested several ways EPA could improve the process. Specifically, NAHB is looking for:  A simplified permit process for small lots. NAHB worked with EPA to develop a compliance template for single-family homes in large subdivisions that could also serve as a streamlined permit. Concise and easier to understand, it will foster higher rates of compliance among these low-risk sites NAHB said.  A “find it, fix it” approach. NAHB builders and HBA staff urged Pruitt to fundamentally reform EPA’s stormwater enforcement process, starting with missed opportunities to educate, rather than penalize, firsttime violators during site visits. EPA inspectors should identify minor infractions to be corrected immediately or within a specific period of time without threat of further enforcement — provided, of course, that those violations don’t result in environmental harm. “We need an improved, two-step process that starts with education, and saves priority targeting for repeat bad actors,” said NAHB second vice chair Greg Ugalde, who helped facilitate the meeting.  Better coordination among regulators. Multiple visits from local, state and federal inspectors to the same site can result in very different observations and citations. As EPA seeks to restore the balance between compliance assistance and enforcement, NAHB believes states, not EPA, should play the lead role in targeting and initiating enforcement activities.  Continued participation in EPA’s “Smart Sectors” Program. Home builders were invited to participate this business community partnership to develop sensible regulations while protecting the environment and public health. NAHB members were pleased at EPA’s response. “I am thankful for the opportunity EPA leadership and staff provided us today to start a dialogue – they really listened to our suggestions for how the agency could use enforcement visits as an opportunity to educate, rather than penalize those working to comply in good faith,” said Joseph Pietruszynski, vice president of land development for Hubbell Realty Co. in West Des Moines, Iowa. “We heard from builders who never received word from EPA until four, six months after site visits on how to solve simple problems in the field. I think we really got the message across that there should be a better path for those of us willing to fix issues right away.” For additional information, contact Eva Birk at 800-3685242 x8124. For stormwater management resources, visit the NAHB Stormwater Toolkit. Labor and Material Costs Rising Faster Than Lot Prices by NAHB Now Despite the record-high prices for single-family lots, the average portion of the final sales price of a new singlefamily home attributed to the cost of the lot is actually decreasing. In the years leading up to the recession, average lot values accounted for around 20% of the sales price of a home. Since 2009, that number has steadily declined, dropping to 17% in 2016. At first, that might sound like good news. But as NAHB economist Natalia Siniavskaia points out in a recent Eye On Housing blog post, it’s largely due to the rising prices of labor and materials, which are outpacing the increasing cost of lots. “As prices continue to rise for lots, labor and materials, the shares of those costs will change from year to year,” said NAHB Chief Economist Robert Dietz. “The challenge for builders is managing development costs, including burdensome regulatory costs, while building an affordable product, especially as interest rates rise in the years ahead.” Affordability remains a big concern for the housing industry. However, the rising prices don’t appear to be scaring away most buyers just yet. While inventory of existing homes continues to be limited, year-to-date new home sales have surged to a 10-year high. 15 For additional analysis, go to eyeonhousing.org.

November 2017 Renewed Members Belleville News Democrat Copious Technologies Daech & Bauer Roofing & Remodeling Eagle Flooring Outlet Helitech Waterproofing & Structural Repair The Appliance Discounters Missouri Botanical Garden’s Earthways Center Remodelers Council Belleville Supply Company Daech & Bauer Roofing & Remodeling FCB Banks/FirstCo Mortgage Jacob Family Enterprises LGR Consulting Padgett Building & Remodeling Throm Construction Professional Women in Building Council Custom Marble First Mid-Illinois Bank & Trust November 2017 New Member Alton Winlectric Victor Fields 2615 E. Broadway Alton, IL 62002 Phone: (618) 462-3112 Cell: (816) 387-1364 Email: vlfields@winsupplyinc.com Website: www.altonwinlectric.com Associated Bank Richard Coolbaugh 326 Missouri Ave East St. Louis, IL 62201 Phone: (618) 874-4931 Cell: (618) 593-8384 Email: richard.coolbaugh@associatedbank.com Website: www.associatedbank.com/rcoolbaugh Fairway Independent Mortgage Corporation ALL HOMES START HERE IBS 2018 16 Robb Treat 338 S. Kirkwood Rd., Suite 107 Kirkwood, MO 63122 Cell: (618) 304-3961 Email: robb.treat@fairwaymc.com Website: www.fairwayindependentmc.com/robb-treat.com


2018 ANNUAL SPONSORSHIP PACKAGE LEVELS As an HBA Annual Sponsor, there are many benefits you will receive throughout the calendar year depending on the level you choose. Addional special benefits and recognions for sponsors will be developed throughout the year, not to menon the increased business exposure. Recognion you cannot afford to miss out on! HOME SHOWS $6,000 (value $50,000) PLATINUM TIER $1,500 (value $3,000) GOLD TIER $1,000 (value $2,000) SILVER TIER $500 (value $1,000) BRONZE TIER $250 (value $500) All levels are negotiable with equal offerings for different events or promotions. Call the HBA office to personalize your tier.  Banner, newsletter and website logo recognition on home page, membership directory page and home show pages  Full Page Ads in Home Show Guides  Included in print ads, press releases, TV commercials for starters sharing your logo recognition with over 300,000+ consumers in our territory.  Limited to non-competing HBA member companies.  Free Booth Space - Two 10x10 booths in the Spring Home Show and signage/banners along with admission discount recognition.  Installation Banquet complimentary tickets for 2  Banner, newsletter and website logo recognition on home page and membership directory page  1/4 Page Ad in Public Directory & Full Page in Membership Directory  Touch Program Logo Sponsor  Top Level Sponsorship at Sport Clay Shoot, Golf Outing, 3D Bow Shoot and Holiday Party Event Sponsorship  Banner, newsletter and website logo recognition on home page and membership directory page  Full Page Ad in the Membership Directory  Sport Clay Shoot Station Sponsor, Golf Outing Hole Sponsor, 3D Bow Shoot, Concession Sponsor and Holiday Party Wine Tasting Sponsor  Banner, newsletter and website logo recognition  1/2 Page Ad in the Membership Directory  Sport Clay Shoot Station Sponsor, Golf Outing Hole Sponsor, 3D Bow Shoot & Holiday Party entry for two (2)  Banner, newsletter and website logo recognition and quarterly newsletter half page ad Register your commitment level: ◊ Home Show $6,000 ◊ Platinum Tier $1,500 ◊ Gold Tier $1,000 ◊Silver Tier $500 ◊Bronze Tier $250 ________________________________________________ ________________________________________________ Name Company ________________________________________________ ________________________________________________ Phone Email address Payment Options ___ Invoice Company ___ Check Enclosed ___ 3 month payment option (check or credit card) ___ Credit Card *credit card payments will include an additional 4% convenience fee ________________________________________________ Credit Card# Visa or Mastercard ONLY Exp Date _____________________________________________________________ Signature Complete and return this form by January 31, 2018 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 18

2017 HBA Home Show Corporate Sponsors OFFICERS President, Dave Padgett - Padgett Building & Remodeling Co., Inc. 1st Vice President, Chris Matteo - Fulford Homes, LLC Southwest Illinois Housing Advancement Fund 2017 Home Builders Association Platinum Annual Sponsors 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 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 Cherity Freeze - Wells Fargo Home Mortgage OFFICER REPRESENTATIVE DIRECTORS Michelle Null - Benchmark Title Company Ken Diel - Diel & Forguson Mark Fulford - Fulford Construction 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 - Sandberg Phoenix & von Gontard P.C. Mark Vogt - Vogt Builders, Inc. 2nd Vice President, Beth Jacob - Jacob Family Enterprises Associate Vice President, Mindy Shafer - Wells Fargo Home Mortgage

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

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