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. March 2017 issue www.hbaswi l .org Front row left to right: Suzie Quinton, HBA Director of Member Services & Events, Beth Jacob 2nd Vice President, Jacob Family Enterprises, Robb Treat – Guaranteed Rate, Mindy Shafer – Wells Fargo Home Mortgage, Michelle Null – Benchmark Title, David Padgett President – Padgett Building & Remodeling, Sue Schultz - Sandberg Phoenix & von Gontard, Barbara Markham – RE/MAX Preferred – The Markham Network, Tracy Butler – HBA Executive Officer Back row left to right: Jeff Schmidt Immediate Past President -RLP Development, Chris Matteo – Fulford Homes, Ryan Butler - Remington Properties, Joe Knox – Copious Technologies, Mike Rathgeb – Spencer Homes, Robert Dee Jr.,– Homes by Deesign, Mark Fulford – Fulford Construction, Mark Vogt – Vogt Builders, Joel Keel – Custom Floors & More, Joe Lanahan 1st Vice President – Joe Lanahan Construction Services, Aaron Klemme - Klemme Construction, Ken Diel - Diel & Forguson, Ron Padgett – Padgett Building & Remodeling, Jerry Yaekel – Yaekel & Associates, John Snapat – Fulford Home Remodeling, Art Stumpf – AUTCOhome Appliances, Norm Etling - St. Clair County, Jason Klein – Ameren Illinois Not present: Jeff Lantz Jr. - Lantz Homes, Inc., Jason Huelsmann – New Tradition Homes, Matt Brandmeyer - Madison County Planning & Development HBA members and extended family joined us for the 2017 Installation & Industry Awards Banquet. The evening started with a large crowd at the PAC Government Official Reception including Congressmen, State Senators, State Representatives and Mayors. The banquet began with video testimonials from our members and supporters. This year each entry of the Remodeler of Distinction Award was shared with a video presentation. 2016 President, Jeff Schmidt presented the Presidential Citations and thanked everyone for their support of our industry and appreciation for keeping the HBA strong. The Lifetime Achievement award is the main surprise of the evening for one deserving member - Len Wolf! Then onto the Installation of our officers and finally, the moment everyone was waiting for, the Installation of our 2017 President, David Padgett. We are grateful to all those that continue to support the HBA and look forward to keeping members involved, informed and proud to be part of the only local residential building industry trade association. Inside this edition you will find more event details and plenty of pictures to enjoy from this 2017 kick off event.

Government Official Reception Pre–Party Event Barbara Markham Art Stumpf 2


Installation Banquet The emcee for the evening Chris Matteo with Fulford Homes is shown above welcoming our attendees, thanking our sponsors and introducing our special guests. Our 2016 President Jeff Schmidt with RLP Development thanked the Board of Directors and members for their dedication and service over the past year. “As much as we have accomplished this year I feel the most significant thing we have done in 2016, is to set into motion many exciting opportunities for our organization. Opportunities that will come to fruition in the coming months and years. It is with great anticipation that I look forward to the many changes that our new leadership will bring. God Bless all of you, your families, and your businesses. As a token of our appreciation for his outstanding year Jeff received his Presidential Plaque provided by First American Title to retire his gavel on along with his official NAHB Past President pin. Remodelers of Distinction Award Winners Addition Renovation - Jacob Family Enterprises Basement Renovation - J.T. McDermott Remodeling Contractors Bathroom Renovation - Fulford Home Remodeling Commercial Renovation - Drake Construction Exterior Renovation - Butler Home Improvement Insurance Restoration - Klemme Construction Judge’s Choice Basement Renovation - Fulford Home Remodeling Director’s Choice Structural Renovation - Helitech Waterproofing & Foundation Repair President’s Choice Kitchen Renovation - J.T. McDermott Remodeling Contractors 4 Kitchen RenovationPace Design & Construction Multiple Room Renovation - Padgett Building & Remodeling Waterproofing Renovation - Helitech Waterproofing & Foundation Repair Whole House Renovation - Joe Lanahan Construction Services

The Mary Schmitt Award for Outstanding Industry Service RECOGNITION OF your willingness to step forward and take on additional responsibilities during difficult times. IN APPRECIATION OF your dedication and commitment to moving the association forward in a positive way. Congratulations and thank you for your continued support! Front row left to right: Linette Warnecke w/ TheBANK of Edwardsville, Kelli, Jean, Martin & Marty Kosydor w/ Martin Glass Company Back row left to right: Award excepted on Scott Gruber’s behalf w/ First Clover Leaf Bank, Aaron Klemme w/ Klemme Construction, Richard Shemwell w/ Arrowhead Building Supply and Mike McCullough w/ Landscapes Unlimited IN GRATITUDE FOR your response to the needs of our industry with an outstanding attitude and efficiency that has established a professional standard for all. WITH THE ADMIRATION OF your peers who praise your performance and involvement on multiple committees, Councils, volunteering and participation at events. Lifetime Achievement Award The Lifetime Achievement Award was presented to Leonard Wolf for his 41 years of hard work and dedication at the Belleville News-Democrat as a marketing consultant to home builders, remodelers and realtors. Thank you to our Lifetime Achievement Award 5 plaque sponsor Benchmark Title & Co.

Installation Banquet 6

Installation Banquet The final ceremony, Installation of the 2017 President, was performed by Ron Padgett to have all witness the oath and commitment of David Padgett as our incoming President. David received the President’s Gavel, provided by First American Title Insurance Co., along with the official NAHB Local President Pin. David’s incoming speech shared his experiences as a child growing up in the HBA and acknowledged fellow members that are also generation family companies. It is from these experiences that he encourages everyone to get the next generation involved as much as possible because the future of our industry depends on it. He also shared the importance of taking advantage of seminars and the knowledge that is available at the local, state and national levels. “In closing, the HBA is there for you and your business if you need help. We are here to help your business succeed through second and third generations. We are here to help you continually learn to make your business better and more informed. And we are here to help our members and our elected officials to come together to make building friendly regulation or deregulation so we can all be more successful.” 2017 HBA President - David Padgett Special thank you to everyone who helped and contributed to making this wonderful evening possible! 7

STATE OF ILLINOIS 2017 LEGISLATIVE PROPOSALS & POSITIONS 1. Extend the Vacant Lot Act to Successive Property Owners – HBAI passed this law in 2011 but it had a three-year sunset provision. Now, all business incentives are on hold in the Illinois House until there is an overall tax increase. 2. Oppose Service Tax on Construction – Expansion of State Sales Tax to Services could bring $2.5 billion in new dollars to Illinois. While new construction will probably be exempt, home remodeling could be hit with this tax. SEE SB09 details on page 16 3. Support Consolidation of Local Government Units – Illinois has more units of government than any other state. 4. Impact Fee & Tap on Fee Reform – HBAI wants “specifically and uniquely attributable” standard on all impact fees and all fees to be places in a segregated fund. There is already a bill in place for this on school impact fees from 2003 and Senators Clayborne and McCarter have proposed SB60 to address township tap on fees that we support. 5. Exempt New Homes from Transfer Taxes – New homes are assessed impact fees AND transfer taxes by some municipalities. HBAI wants legislation prohibiting transfer taxes on homes paying impact fees. Other Legislative Bills that are being proposed in this current session:  HB0732 – Roofers bill outlines when roofing contract is necessary for re-roof/repairs. NEUTRAL  HB0366 – Employee classification raises penalties by $500. OPPOSED  SB1355/1807 – Construction demolition debris. A municipality cannot create a monopoly for waste removal/ hauling providers. MONITOR  SB1450/HB2672 – both shell bills for Residential Building Code Acts. MONITOR  HB2816 – 5% of materials in new construction must be re-used materials. OPPOSED  HB0813 - Employment Layoff Notice, Changes current language from company with 75 employees (was 65) layoff notice must be given in 90 days (was 60). OPPOSED  SB0981 - Prohibits Wage Inquiry. Employers would not be allowed to discuss what a potential employee has been paid or what their pay expectations are. OPPOSED  SB1296—Requires Paid Sick Days. This is a repeat bill from last legislative session. OPPOSED These are just the “hot topics” to share. Please consider attending the HBA event on April 6th (page 9) to hear about all the updates on where these bills are at and how you can help to get involved. 8

HBA Policy: Registration for this HBA Event is considered confirmation of your participation and will be invoiced if cancellation is not made within 3 days of the event. 9

With Interest Rates So Low Should the Deficit be Bigger? The US government can currently borrow at exceptionally low interest rates. After considering inflation, the rates are sometimes zero or even negative, meaning that the government is effectively getting paid to borrow. Under these circumstances and with GDP growth quite anemic, isn’t the case for increased borrowing overwhelming? After all, the benefit of public investment in roads and bridges must surely be greater than zero, right? Maybe not! If the economy were operating substantially below its potential -- if the unemployment rate were high -the case for borrowing more and running larger budget deficits would be strong. The added stimulus from the increase in government spending would boost household incomes, which would increase aggregate demand and bring the economy closer to its full potential. That is why governments tend to run large deficits during recessions and why there are many counter cyclical programs like food stamps that ramp up as the economy weakens. However, at present, the US economy is operating close to full capacity. The unemployment rate is almost the best in ten years, wages are rising faster than they have in years, and inflation, while still low, is clearly picking up. That said, GDP growth remains anemic at just 2%. Wouldn’t more stimulus boost GDP? Probably not. At this point in the cycle, more stimulus would not create much more output. Rather, it would primarily create wage inflation, as too many firms looking to grow would chase too few workers, and, in the process, drive up wage growth and inflation, since firms would attempt to pass their higher costs of production to buyers. To avoid this destructive inflationary spiral, the Fed would raise interest rates. The rise in rates would depress private investment, which would allow for non-inflationary increased public investment. However, it should now be obvious that the cost of the increased public investment is the reduction in 10 private sector investment. Thus, the opportunity cost of the public investment is not the very low interest rate paid on government bonds; it is, rather, the loss of productivity of the private investment that would never be built, such as a new factory or warehouse. And the productivity of that private investment is certainly higher than the interest rate on government bonds! The only case, at present, for deliberately overheating the US economy is if you believe more stimulus can undo some of the long run damage sustained by the economy during the Great Recession. The idea is that by artificially and temporarily pushing the unemployment rate way down, some discouraged workers might be enticed back into the labor force. Similarly, as firms find it harder to hire enough new workers, firms might offer existing workers more hours or convert part-time positions into permanent ones. Firms might even boost labor productivity by investing in workforce training or new equipment. While weak GDP growth is a problem, simply running large deficits to stimulate the economy because interest rates are low is unwise given how low the unemployment rate already is. That said, there is a strong argument to be made for a shortterm increase in the deficit designed to bring previously discouraged workers who left during the Great Recession and have yet to return. Lastly, rather than a simple tax cut, if deficit spending is carefully targeted to public investment that boosts the productive capacity of the economy, it would bring long lasting benefits to the economy that we would enjoy for decades -- not just today. 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.

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 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: __________________________________ 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. 11 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

2016 LOCAL NEW HOME START PERMIT REPORTS Madison County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 56 59 91 70 90 67 73 54 59 40 45 34 31 40 61 66 61 40 59 92 51 38 33 17 14 9 32 25 42 39 39 33 42 34 30 20 18 29 35 42 34 31 31 31 45 25 29 21 11 13 26 33 27 33 29 31 20 19 16 14 14 10 32 27 15 26 20 58 26 22 30 20 21 24 24 29 23 31 39 37 34 86 15 18 11 11 16 67 21 11 22 15 27 27 15 14 10 21 36 32 38 33 35 37 32 25 29 16 14 19 29 30 40 27 24 25 34 28 14 10 Monroe County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 21 17 28 25 27 20 22 19 13 23 10 4 13 10 9 14 11 8 16 10 12 10 8 3 7 10 9 11 9 9 16 10 5 11 9 13 15 12 9 18 12 9 6 6 13 13 9 8 10 9 5 9 14 11 9 9 10 12 7 5 7 7 6 5 7 4 7 8 8 8 14 10 7 13 11 18 10 7 2 6 14 13 8 10 7 16 7 12 8 12 8 12 8 St. Clair County, IL Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec YTD Totals 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 93 87 129 98 115 100 90 80 66 70 51 49 63 60 49 47 76 55 48 40 38 59 23 40 17 30 38 50 52 62 53 66 38 40 42 55 50 49 78 86 51 45 65 67 58 42 34 47 26 41 43 44 52 51 41 43 41 40 27 25 27 30 47 40 33 46 35 42 27 29 32 26 30 30 39 40 40 45 30 21 26 31 23 32 34 24 33 25 49 46 34 33 37 35 23 17 28 15 42 38 27 34 34 39 34 38 18 24 32 30 44 30 40 37 27 46 41 29 40 22 1028 598 543 672 474 414 387 390 371 418 Top Municipalities YTD: 147 = O'Fallon 40 = Belleville 39 = Shiloh 30 = Mascoutah 29 = Swansea 8 11 11 16 12 17 7 12 5 8 10 18 15 15 10 12 12 11 7 5 3 9 3 5 6 9 8 229 126 97 130 92 106 120 112 127 138 Top Municipalities YTD: 65 = Waterloo 46 = Columbia 738 589 359 371 272 300 381 257 344 294 Top Municipalities YTD: 40 = Glen Carbon 39 = Troy 30 = Edwardsville 26 = Bethalto 21 = Highland MarketGraphics provides the HBA with these permit reports. MarketGraphics offers many other housing and subdivision analysis reports. Contact them today to see how that can be of service to you directly. 12

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 Bang for your Buck Opportunities 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: _________________________________________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______ 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 13 …..$20-$50 _______________________________ Phone#/Email: ___________________________________ Names of attendee(s)

February 2017 Renewed Members Adv. Marketing Int’l, Inc. / Kitchen Craft CMC Electric, Inc. Fence & Deck Depot, Inc. L.D.C. Homes, Inc. McCullough’s Flooring Enterprise Midwest Carpet & Duct Cleaning Mill Hollow LLC R.P. Lumber Company Throm Construction Co., Inc. Wall-Vern Products Remodelers Council Associated Bank (NEW) Klemme Construction Green Building Council CMI Construction J.T. McDermott Remodeling Contractors Professional Women in Building Council Benchmark Title Company CA Jones, Inc. (2 members) First National Bank of Waterloo Garrett E. & Herschel E. Johnson RE & Dev. Jacob Sunroom, Exteriors & Baths R.P. Lumber (NEW) TheBANK of Edwardsville (4 members) Wells Fargo Home Mortgage (3 members) 14 February 2016 New Members Donna Green Green Home Solutions 518 Western Ave., Collinsville IL 62234 Phone: (618) 343-0033 Email: donna.green@ghscleanair.com Website: www.greenhomesolutions-stl.com Lisa Adams Marketplace Magazine 5343 Belleville Crossing St., Belleville, IL 62226 Phone: (618) 416-1839 Email: lisa.adams@marketplacemagazine.biz Website: www.marketplacemagazineonline.com Dr. Scott Underwood Underwood Chiropractic, LLC 787 Sunset Blvd., Suite 200, O’Fallon, IL 62269 Phone: (618) 624-2400 Email: sunderwood@underwood-chiropractic.com Website: www.underwood-chiropractic.com


Home Builders Oppose SB09 New & Higher Taxes on Home Repair & Maintenance The Home Builders Association of Illinois opposes the passage of SB09, the omnibus taxation bill within the Grand Bargain, and respectfully requests a NO Vote on its consideration. SB09 will increase taxes & fees on home repair shops five times with one vote, probably a record even for Illinois [Personal & Corporate Income Tax, Business Opportunity Tax, a first-time Excise Tax, and a first-time $75 registration fee to the Illinois Dept. of Revenue). SB09 is unfair, complicated and narrow-based. Article 15 of SB09 imposes a new EXCISE TAX on the repair and maintenance of homes located here in Illinois. The 5% sales tax would cause a decline in work for repair & maintenance by about $30 million per year. This impact includes:  $27 million less income for Illinois workers,  327 fewer jobs in Illinois,  $5 million less in revenue for the state government and local governments within the state, partially offsetting the increase in revenue collected under the new tax.* Home Repair Businesses will not only get hard hit by the new taxes, they will also be hit with very confusing language on how to pay for these taxes. Sole Proprietorships and Partnerships will struggle with the payment options which will hinder customer service while conforming to state regulations. The Service Tax on Home Ownership is a narrow based tax intended to usher in a new form of taxation for Illinois, sales taxation on the service industry. But the five sectors of the economy hit by this proposal may, or may not be, joined later by other service industries later. This would mean a hardship for a few economic sectors and a relatively small revenue stream for the state. In the meantime, the home repair business will also get socked with other tax increases covered by SB09; Personal & Corporate Income Tax Increases; the Business Opportunity Tax: and, the fees paid annually to the Dept. of Revenue to administer collection of the EXCISE TAX. 16

2017 Lobby Day Tuesday, May 9th ~ 10am to 7pm 10:00 am Sangamo Club, 227 E Adams, Springfield, IL Guest Speaker, Lunch, Issues Updates 1:00 pm to 5:00 pm Legislative Visits in a dedicated room for our group to discuss industry issues directly with our state legislators: Senators Clayborne, Haine, Manar, McCann, McCarter & Schimpf and Representatives Beiser, Bourne, Bryant, Cavaletto, Costello Jr., Davidsmeyer, Hoffman, Meier & Stuart. 5:30pm to 7:00 pm Legislative Reception - Sangamo Club, Springfield, IL Where the Senators and Representatives from our territory will stop by to follow up with previous conversations in a relaxed setting with beverages REGISTER TODAY for Lobby Day - HBA Local #1468 Name: _________________________________________________________________________________ Company name: _________________________________________________________________________ Email address/Phone# _____________________________________________________________________ Simply email to eyowell@hbai.org with the following information and copy tbutler@hbaswil.org for car pool arrangements *One week before Lobby Day, you will be sent an information packet by email to prepare you for the day’s events.

Serve those that Serve us at the Scott Air Force Base 2017 Air Show! HBA members needed to show their support of SAFB during the 2017 Air Show by providing food service to the workers at the 2017 Air Show on Saturday, June 10 & Sunday, June 11 Volunteers donate 2 hours to provide food service for the SAFB Air Show workers Registration Deadline: May 26, 2017 Volunteer Registration: Name: ___________________________ Company: ________________________ Cell# _____________________________ Email ____________________________ Shirt Size: S M L XL XXL XXXL Shift Request: Saturday, Jun 10 ___ 10am - 12 pm ___ 12pm - 2pm ___ 2pm - 4pm Sunday, Jun 11 ___ 10am - 12 pm ___ 12pm - 2pm ___ 2pm - 4pm Banner/Shirt Logo Registration - $500 per logo 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______________________ 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 Additional exposure on the HBA Banner displayed in front of Hangar 3 and official volunteer shirts $500 per logo 18

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 Associate Vice President, Mindy Shafer - Wells Fargo Home Mortgage 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 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 2017 HBA Bronze Annual Sponsors 19 Matt Brandmeyer - 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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