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. January 2018 issue www.hbaswil.org HBA Presidential Year in Review As my term as your 2017 President comes to an end it gives me time to reflect on what a year it has been, how fast it passed and all the accomplishments that were made. David Padgett 2017 HBA President Padgett Building & Remodeling It is great to have an association that continues to incorporate what works best for them but to also grow with new ventures. One of the most honorable was the Scott Air Force Base 100th Anniversary celebration! This weekend full event gave us the chance to “serve those that serve us”. Volunteers served over 2,000 lunches of hot dogs, hamburgers, chicken and pull pork to performers, air crew and Scott Air Force Base workers/ volunteers. Power Hour seminars were created to inform members of their membership benefits and local current events. We were honored to have the following presenters Alex Martindale with NAHB, Bill Ward with HBAI, Kurt Prenzler with Madison County Chairman, Mayor of Edwardsville Hal Patton and Brent Ellis Campaign Manager for Jason Plummer. Home Envy brought virtual videos of HBA Builders and their communities in an elevated view of the homes exterior and interior. Everyone enjoyed this new fresh look at our builders. Last but not least is the Operation Finally Home Project that has touched many of our hearts and will continue throughout the project. The Poggi family received a custom mortgage-free home for his service in the military that has left him with severe injuries. It was truly inspirational to have so many companies come together to support the family and give them the opportunity to live a life without obstacles! Leadership also took on internal reviews which included updating the bylaws to incorporate best practices for our local HBA, as well as, updating employee agreements and policy handbook. This year included a change in leadership which we are thankful that our past 2006 President Chris Matteo volunteered to serve as our 2018 President Another perk of being President was attending monthly meetings with the Southwestern IL Council of Mayors strengthening our relationship and providing us with opportunities to inform them of issues our industry and members are currently facing. Presenting the NAHB Defender of Housing Award to Congressmen John Shimkus & Mike Bost recognizing courageous federal legislators who have demonstrated strong support for housing and NAHB positions on key issues facing the industry was another honor for myself and our organization. The Professional Women in Building Council started the year strong with the NAHB Professional Women in Building awarding them with 6 awards at IBS that also included over $2,000 for scholarships! This along with their fundraising efforts allowed them to give four scholarships to young females who plan to further their education in the industry. The council continued the year by incorporating the Remodelers Council with the build of a playhouse that will be raffled at the 2018 Home Show with funds raised continuing their scholarship efforts. They held informative seminars that included lunch with Mayor Eckert of Belleville and their annual Power Women Luncheon included Dr. Ronda Sauget with Leadership Council Southwest IL and Geri Boyer with Kaskaskia Engineering Group. The Remodelers Council held their first Fishing Tournament which was a great success! They also didn't hesitate to help the PWB council with the playhouse build. To be a part of two councils working together for one purpose was an experience I hope to see again. The Green Building Council has made tremendous strides with their efforts in the IL Energy Conservation Code! They will continue their efforts as a task force and will keep our industry top priority. Their successful 3D Bow Shoot event will continue as well. As a second generation business whose family has benefited from the HBA since I was a young child this year has made my personal experience a complete full circle. I am truly humbled and honored to have served as your President and want everyone to know that HBA is there for you and your business. We are here to help you succeed for many years and generations to come. On a personal note, my wife and I welcomed our 2nd daughter on December 29th to the ranks of our HBA family including our 20 month old daughter Stella. Thank you for your support during my presidency and your continued support within the HBA!



Christmas Party Thank you to everyone that was able to join us for a wonderful evening! The Weingarten was full of fellow members, co-workers and friends. The evening was full of fellow members, co-workers and friends! The Professional Women in Building featured a wonderful Silent Auction and a Sleigh of Spirits raffle with all proceeds funding the Scholarship and School Project. The PWB also benefited the Cahokia Citizens Food Pantry with numerous coats and winter items! Event Sponsors A special thank you to our sponsors who made the evening possible! Wine Sponsors 4

Christmas Party Fun 5

A Guide to the Tax Cuts and Jobs Act Kerber, Eck & Braeckel LLP On December 22, 2017, President Trump signed the Tax Cuts and Jobs Act. It cuts the corporate tax rate from 35 percent to 21 percent beginning in 2018. The top individual tax rate will drop to 37 percent. It cuts income tax rates, doubles the standard deduction, and eliminates personal exemptions. The corporate cuts are permanent, while the individual changes expire at the end of 2025. Here’s a summary of how to Act changes income taxes, deductions for child and elder care, and business taxes. Income Taxes The Act keeps the seven income tax brackets but lowers tax rates. Employees will see changes reflected in their withholding in February 2018 paychecks. These rates revert to the 2017 rates in 2026. The Act creates the following chart. The income levels will rise each year with inflation. But they will rise more slowly than in the past because the Act uses the chained consumer price index. Over time, that will move more people into higher tax brackets. Income Tax Rate 2017 2018 - 2025 Single Married - Joint 10% 10% $0 - $9,525 $0 - $19,050 15% 12% 25% 28% 33% 22% 24% 32% $9,525 - $38,700 $38,700 - $82,500 $82,500 - $157,500 $157,500 - $200,000 33% - 35% 35% $200,000 - $500,000 39.6% $19,050 - $77,400 $77,400 - $165,000 $165,000 - $315,000 $315,000 - $400,000 $400,000 - $600,000 37% $500,000 + $600,000 + It doubles the standard deduction. A single filer’s deduction increases from $6,350 to $12,000. The deduction for Married and Join Filers increases from $12,700 to $24,000. It reverts back to the current level in 2026. As a result, it is estimated that 94 percent of taxpayers will take the standard deduction. 6 Taxable Income Levels for Those Filing As: It eliminates personal exemptions. Before the Act, taxpayers subtracted $4,150 from income for each person claimed on your tax return. The Act eliminates most itemized deductions. That includes moving expenses, except for members of the military. Those paying alimony can no longer deduct it, while those receiving it no longer are taxed on the receipt. This change begins in 2019 for divorces signed in 2018. Examples include unreimbursed business expenses for employees, home-equity loan interest, and your tax preparer fees, home office, investment expenses and advisor fees. It keeps deductions for charitable contributions, retirement savings, and student loan interest. It limits the deduction on mortgage interest to the first $750,000 of the loan. Interest on home equity lines of credit can no longer be deducted. Current mortgageholders aren’t affected. Taxpayers can deduct up to a maximum of $10,000 in state and local taxes, including sales and real estate taxes on your personal residence. The Act expands the deduction for medical expenses for 2017 and 2018. It allows all taxpayers to deduct medical expenses that are 7.5 percent or more of income. Before the bill, the cutoff was 10 percent for those born after 1952. Seniors already had the 7.5 percent cutoff. At least 8.8 million people used the deduction in 2015. The Act repeals the Obamacare tax mandate on those without health insurance in 2019. The Act doubles the estate tax exemption to $11.2 million for singles and $22.4 million for couples. It keeps the Alternative Minimum Tax. It increases the exemption from $54,300 to $70,300 for singles and from $84,500 to $109,400 for joint. The exemptions phase out at $500,000 for singles and $1 million for joint.

Continued.. A Guide to the Tax Cuts and Jobs Act Child and Elder Care The Act increases the Child Tax Credit from $1,000 to $2,000. It increases phase out limits from $110,000 to $400,000 for married tax filers. It allows a $500 credit for each non-child dependent. The credit helps families caring for elderly parents. It expands to allow parents to use 529 savings plans for tuition at private and religious K-12 schools. They can also use the funds for expenses for homeschooled students, in addition to the previous college expenses. Business Taxes The Act lowers the maximum corporate tax rate from 35 percent to 21 percent, the lowest since 1939. The United States has one of the highest rates in the world. It creates a standard deduction of 20 percent for passthrough businesses. Pass-through businesses include sole proprietorships, partnerships, limited liability companies, a S corporations. The Act limits corporations’ ability to deduct interest expense to 30 percent of income. For the first four years, income is EBITDA, but reverts to earnings before interest and taxes thereafter. It allows businesses to deduct the cost of most depreciable assets in one year instead of amortizing them over several years. It does not apply to structures, and special rules for vehicles remain. To qualify, the equipment must be purchased after September 27, 2017 and before January 1, 2023. The Act stiffens the requirements on carried interest profits. Carried interest is taxed at 23.8 percent instead of the top 39.6 percent income rate. Firms must hold assets for a year to qualify for the lower rate. The Act extends that requirement to three years. The Act eliminates the corporate AMT. The corporate AMT had a 20 percent tax rate that kicked in if tax credits pushed a firm’s effective tax rate below that level. Under the AMT, companies could not deduct research and development spending or investments in low-income neighborhoods. 7 Kenneth R. Diel, CPA, CVA Kerber, Eck & Braeckel, LLP At Kerber, Eck & Braeckel, it is our job to make sure that you have the knowledge you need to comply with the ever-changing rules and laws affecting you and your business. We are here to answer questions and offer advice about your specific situation. Advising HBA Members for Over 30 Years! 618-632-7574 It retains tax credits for electric vehicles and wind farms. The Act doubles the base estate and gift exemption amount from $5 million to $10 million. The $10 million amount is indexed for inflation occurring after 2011 and is expected to be approximately $11.2 million in 2018 (422.4 million per married couple).

2017 LOCAL NEW HOME START PERMIT REPORTS Madison County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 56 59 91 70 90 67 73 54 59 40 31 40 61 66 61 40 59 92 51 38 14 9 32 25 42 39 39 33 42 34 18 29 35 42 34 31 31 31 45 25 11 13 26 33 27 33 29 31 20 19 14 10 32 27 15 26 20 58 26 22 21 24 24 29 23 31 39 37 34 86 11 11 16 67 21 11 22 15 27 27 10 21 36 32 38 33 35 37 32 25 14 19 29 30 40 27 24 25 34 28 11 24 28 22 21 19 19 26 34 18 659 539 309 321 242 250 348 228 299 270 222 Monroe County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 21 17 28 25 27 20 22 19 13 23 13 10 9 3 7 10 5 7 8 2 7 6 6 9 11 9 13 15 12 9 18 12 13 13 9 8 10 14 11 8 16 10 12 10 9 11 9 9 16 10 5 9 9 6 5 14 11 9 9 10 12 7 12 8 12 8 8 14 10 7 13 11 18 10 7 6 14 13 8 10 7 16 8 8 11 11 16 12 17 6 11 10 8 9 8 10 9 7 7 12 7 12 10 18 15 15 10 12 12 9 215 113 89 114 85 94 106 95 114 120 87 St. Clair County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 93 87 129 98 115 100 90 80 66 70 63 60 49 47 76 55 48 40 38 59 17 30 38 50 52 62 53 66 38 40 50 49 78 86 51 45 65 67 58 42 26 41 43 44 52 51 41 43 41 40 27 30 47 40 33 46 35 42 27 29 30 30 39 40 40 45 30 21 26 31 34 24 33 25 49 46 34 33 37 35 28 15 42 38 27 34 34 39 34 38 32 30 44 30 40 37 27 46 41 29 32 27 39 38 29 37 16 22 21 23 928 535 446 591 422 356 332 350 329 356 284 Top Municipalities YTD: 41 = Troy 25 = Edwardsville 20 = Highland 16 = Maryville 13 = Godfrey 90 = Unincorporated Top Municipalities YTD: 37 = Columbia 27 = Waterloo 22 = Unincorporated Top Municipalities YTD: 104 = O'Fallon 46 = Shiloh 27 = Belleville 22 = Mascoutah 17 = Caseyville 9 = Fairview Heights 57 = Unincorporated Above permit reports provided by MarketGraphics. MarketGraphics offers many other housing and subdivision analysis reports. Contact them today to see how that can be of service to you directly. Joe Zanola zanola@zanolaco.com 314.918.7200 www.zanolaco.com 8

In a tough year, some new Illinois laws to welcome By: Illinois Policy Institute There’s no doubt 2017 was a rough year for taxpayers across Illinois. The General Assembly voted for a state budget that included a massive income tax hike with no real reforms, which hit the pocketbooks of millions of Illinoisans. Despite this, some of the bills that passed the General Assembly and were signed into law by Gov. Bruce Rauner in 2017 will help move Illinois in the right direction. Here are a few examples: Pensions House Bill 418: Under HB 418, retired police officers cannot double dip in pension funds if they return to the force as a police chief or return to service with a different municipality. Retired officers who return in either of those capacities will be able to enroll in a 401 (k)-style plan, but not a second pension. House Bill 3122: This new law requires local officials to work a minimum of 1,000 hours to qualify to participate in the Illinois Municipal Retirement Fund. This ensures that a participant in the retirement fund is working at least in a part-time capacity. Senate Bill 701: Under SB 701, unused vacation time paid out in the final three months before retirement cannot count toward pensionable salary. The law also excludes vehicle allowances from being considered pensionable earnings. Good government Senate Bill 3: This new law is a small step toward reducing the number of units of government in Illinois, and potentially saving tax dollars. SB 3 creates various ways in which township officials may initiate consolidation of their unit of government. This bill also expands the process for government consolidation currently available in DuPage, Lake and McHenry counties to all counties across the state. House Bill 607: Under this law, township boards can submit a resolution for residents to vote in a referendum to determine whether a township road district should be abolished and the duties taken up by another unit of government. Criminal justice House Bill 303: This new law reforms civil asset forfeiture, a practice in which law enforcement is able to seize and profit from property without proving the property is connected to a crime. This measure addresses the standards that govern law enforcement’s confiscation of property and imposes some transparency-related requirements to rein in abuse and incentives to profit from policing. House Bill 2373: HB 2373 removes the lifetime ban preventing many ex-offenders from petitioning a court for the opportunity to prove rehabilitation and have their records sealed. It does this by expanding the eligibility provision of the criminal record sealing statute to allow those with previous felony convictions to apply to have their records sealed from view by the general public. (Certain kinds of felonies, such as sex offenses and domestic violence, are excluded from sealing eligibility.) House Bill 3817: This measure expands protection for juveniles by providing for automatic expungement of juvenile arrest records that do not result in delinquency. (“Expungement” means wiping a criminal record clean.) And in other cases, records of delinquency can be expunged two years after the juvenile’s case is closed, so long as that juvenile has no other criminal cases pending against him or her and no subsequent delinquency proceedings. Certain offenses are excluded from expungement eligibility, such as sex offenses, most violent crimes and other serious crimes such as residential burglary. Juvenile records that are not expunged are sealed from view by the general public. The law also acts to prevent a juvenile adjudication from disqualifying a person from certain things, such as holding public office one day. These bills are small steps in the right direction. However, these do not go far enough. Illinois’ pension system is still in need of major reform. The state still has the highest number of local governments in the nation, which means Illinoisans have to pay more in property taxes to fund all those layers of government. And Illinois’ state budget is still unbalanced, despite a massive new income tax increase. The General Assembly needs to get serious about implementing meaningful reforms, especially regarding Illinois’ crushing property tax burden. Illinoisans should not have to continue putting up with financial mismanagement from state and local governments. 9

Community Support Sponsorship At the Home Show Community Support Sponsors give back to the local community with donations from consumers entering the Home Show to receive an admission discount while helping local food pantries and the Violence Prevention Center. Over the years the local food pantries have received over 4,000 lbs. of food and the Violence Prevention Center has received truck loads of household items that help them provide services to victims of domestic violence and their children. Sponsorship also includes the Lego Contest! This contest will give junior builders a chance to compete in building a house out of Legos. Homes will be judged on creativity, structure and detail. This event is free for children meeting the age requirements with in 5 - 8 and 9 - 12 age groups. Prizes will be given to 1st, 2nd & 3rd place winners of each age group. This sponsorship cost is $500 which includes Logo/Company name recognition  On promotion of admission discounts  On-site at Home Show in several locations  On Logo registration form  On HBA Website year round  Social Media promotions  Press Releases in Belleville News-Democrat  Advertising in Home Show promotions in print & radio  Including 20 complimentary admission tickets Total marketing value of $5,000 (Please print or type as you want your name to appear on the show materials) Company Name: _______________________________________________________________________________ Contact: _________________________________________________________________________________ Phone: _______________________ Email: __________________________________________________________ Invoice ____ (members only) Payment below ____ credit card payments will include an additional 4% convenience fee Visa/MasterCard#_______________________________________________ City: _____________________________ State: _______ Zip: ___________ Expiration Date:_________ Signature:______________________________ PAYMENT MUST ACCOMPANY FORM. Mail or fax (618-343-6335) your completed form by January 31, 2018 to: HBA, 6100 West Main Street, Maryville, IL 62062 10

2018 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

Contractor Re-Sale Clear out your storage / warehouse while helping local building programs & Habitat for Humanity DONATION SUGGESTIONS  Appliances  Cabinetry  Counter Tops  Discontinued Inventory  Doors  Exterior Building Products  Flooring Products  Home Décor  Insulation  Lighting / Fixtures  Lumber  Paint Products  Tools  Windows CONTRACTOR RE-SALE MARCH 2, 3 & 4 Belleville Fairgrounds Complete the following form to make your commitment of donations. A friendly HBA rep will contact you between February 19th thru March 1st to make arrangements for delivery Primary Contact: __________________________________________________________________________________________ Company Name: __________________________________________________________________________________________ Address: __________________________________________________________________________________________________ Phone Number: ____________________________ E-mail: __________________________________________________ Description of item(s):  Large  Medium  Small ____ # of possible items Type of items donating: _____________________________________________________________________  Can deliver Feb. 28 or March 1st  Will need to make drop off arrangements prior to Home Show Home Builders Association of Greater Southwest Illinois 6100 West Main St., Maryville, IL 62062 13

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 14

The Poggi homesite at Brickyard Estates in Mascoutah has officially began! As seen in the picture to the left the basement has been dug and footings are soon to be placed. The Poggi family are still in awe of all the support and send their appreciation and holiday wishes to all! For more information on the family, how to support project and progress, visit our website www.hbaswil.org INDUSTRY LEADER IN BATHROOM & CLOSET SOLUTIONS SINCE 1984 Office/Showroom/ Manufacturing Facility: 211 Edinger Rd Wentzville MO 63385 636-332-9040 Hours: M-F 8am-4pm Brentwood Showroom: 1252 Hanley Industrial Ct Brentwood MO 63144 314-963-7400 Hours: M-F 8:30am-4pm Springfield Showroom: 3000 Great Northern Avenue Springfield IL 62707 217-726-9300 Hours: M-F 7am-4pm SUPERIOR HOME PRODUCTS SPECIALIZES IN:  CAST MARBLE & GRANITE TUBS, SHOWER BASES, SHOWER WALLS, AND VANITY TOPS IN A MULTITUDE OF COLORS  MIRRORS AND SHOWER DOORS FROM FRAMED TO HEAVY GLASS FRAMELESS  WIRE & MELAMINE SHELVING  FREE ESTIMATES AND DELIVERY CONTACT US TODAY AT ANY ONE OF OUR SPECIALTY SHOWROOMS. Visit our website www.suphome.net and Luxury Has Never Been So Affordable 15

December 2017 Renewed Members ProBuild RE/MAX Alliance Southern Illinois Realty, LLC Southwest IL Housing Advancement Fund Wells Fargo Home Mortgage Jill Cutter Remodelers Council Yaekel & Associates, Inc. 1694 Larkin Williams Rd Fenton, MO 63026 Phone: (636) 349-4946 Cell: (314) 497-7689 Email: jillc@autco.com Website: www.autcohome.com First Integrity Mortgages Services Ryan Cox 77 West Port Plaza, Suite 200 St. Louis, MO 63146 Timberline Construction Scott Belcher 306 Arrowhead Drive Troy, IL 62294 Phone: (618) 791-5147 Cell: (618) 791-5147 Email: timberconllc@aol.com Website: www.timberlineconstructionllc.com ALL HOMES START HERE IBS 2018 16 Jason Chandler 3981 State Route 159, Unit 2 Smithton, IL 62285 Phone: (618) 698-1004 Cell: (314) 754-9904 Email: jason.chandler@rate.com Website: www.guaranteedrate.com Phone: (314) 878-7900 Cell: (618) 581-3015 Email: rcox@firstintegrity.com Website: www.rcox.firstintegrity.com Guaranteed Rate December 2017 New Member AUTCOhome Appliances


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

2018 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 2018 Home Builders Association Platinum Annual Sponsors 2nd Vice President, Beth Jacob - Jacob Family Enterprises Associate Vice President, Mindy Shafer - Wells Fargo Home Mortgage Secretary, Jerry Yaekel, Jr. - Yaekel & Associates, Inc. Treasurer, Robb Treat - Fairway Independent Mortgage Corporation Immediate Past President, Jeff Schmidt - RLP Development 2018 HBA Gold 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 - 2018 HBA Silver Annual Sponsors 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 - 2018 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.

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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