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BUILDER north coast building industry association

Table of Contents ON THE COVER

NEWSLETTER

North Coast Building Industry Association (NCBIA) BUILDER newsletter is the official newsletter of the NCBIA and is published monthly by the NCBIA. The NCBIA is an affiliate of the Ohio Home Builders Association (OHBA) & the National Association of Home Builders (NAHB).

NCBIA Office

5201 Waterford Dr., Sheffield Village, OH 44035 Ph: 440.934.1090 Fax: 440.934.1089 info@ncbia.com www.ncbia.com

NCBIA Staff Executive Officer - Judie Docs judie@ncbia.com Executive Assistant - Deb Fisher debncbia@gmail.com Marketing Associate - Maria Sabala maria.sabala.ncbia@gmail.com

Friendly competition and lots of fun was had at the NCBIA Softball Game & Picnic. Additional photos on pages 19-20.

Letter from the President

2018 NCBIA Officers

President - Jeff Hensley, Lake Star Building & Remodeling Vice President - Liz Schneider, Dollar Bank Associate VP - Sara Majzun-Garwood, BCT Alarm Services, Inc. Treasurer - Steve Fleming, Shamrock Development Secretary - Jeremy Vorndran, 84 Lumber Company Immed. Past President - Chris Majzun Jr., Majzun Construction

Thanks for Renewing

12 26

Spike Update

20% Pass-Through Deduction

Trump Retirement Security

Lumber Producers Like Oil Cartels

Economic Forecast

Executive VP Column

Eye on Housing

Win a Trip to Napa

Home Buyer Closing Strategies

Welcome New Members

Sorry to See Them Go

Clambake Flyer

Housing Sector Conditions

Residential Constr. Loan Growth

IBS Discounts

GM Meeting Flyer Photo Galleries

16 18-21

Executive Officer’s Report

What Our Members are Saying

Legislative Review

Vacant Land Available

Calendar of Events Home Show Flyer

30 32-33

2018 NAHB & OHBA Directors

2018 NCBIA Board of Directors

Ashley Caruso-Noe, Caruso’s Cabinets Tyler Yost, Dale Yost Construction Michelle Nowlin, First Federal Savings of Lorain John Toth, Floor Coverings International Tim King, K. Hovnanian Homes Jack Kousma, Kousma Insulation Mark Craig, Mark F. Craig, Esq. Keith Martin, MBD Homes Linda LaFleur, RE/Max Crossroads Dave Weisenberger, Tusing Builders Timothy McLaughlin, CFP®, Wells Fargo Advisors

These are our members who represent our local industry in Washington DC and Columbus.

2018 NAHB Directors Mary H. Felton, Fidelity National Title Jeff Hensley, Lake Star Building & Remodeling

NAHB Alternate Director

Jack Kousma, Kousma Insulation

Sr. NAHB Life Director Randy Strauss, Strauss Construction

Ohio’s State Rep. to NAHB

NCBIA Life Directors

Randy Strauss, Strauss Construction

Jeremy Vorndran, 84 Lumber Tom Caruso, Caruso’s Cabinets Bob Yost, Dale Yost Construction Mary H. Felton, Fidelity National Title Jeff Hensley, Lake Star Building & Remodeling Chris Majzun Jr., Majzun Construction Co. Chris Majzun Sr., Majzun Construction Co. Jim Sprague, Maloney + Novotny Randy Strauss, Strauss Construction Tom Lahetta, Tom Lahetta Builders, Inc.

OHBA Past Presidents Randy Strauss, 1996

2018 OHBA Trustees Jeff Hensley, Lake Star Building & Remodeling Keith Martin, MBD Homes Tom Sear, Ryan Homes

Advertising Policy - The North Coast Building Industry Association reserves the right to reject advertising in the Builder newsletter based on content. Acceptance of advertising does not imply endorsement of the product or service advertised.

August-September 2018

Softball Game & Picnic

OHBA Alternate Trustee Liz Schneider, Dollar Bank Mary H. Felton, Fidelity National Title

OHBA Area 2 Vice-President Richard Bancroft, Bancroft Development

www.ncbia.com

page 3

A Letter from the President

by Jeff Hensley of Lake Star Building & Remodeling

ASSOCIATE APPRECIATION MONTH Since 1981, September has been designated as NAHB’s Associate Member Appreciation Month – an annual celebration of Associate member contributions to NAHB, OHBA, NCBIA and the home building industry. Designating September as Associate Appreciation Month is just one way of providing the much-deserved visibility and recognition to our invaluable Associate members.

Support your community. Shop local businesses.

On behalf of the NCBIA we would like to commend our associates for their outstanding support of our association. It is the continued commitment of our associate member companies that allow dedicated Associates to contribute to our association. We recognize that participation in the association’s meetings and events require an investment of valuable resources. You can be assured that your involvement gives your company the best possible return on its investment: unparalleled advocacy on issues that affect the building industry and one-of-a-kind opportunities to connect faceto-face with key industry decision-makers.

Local business owners have been counting on Town Money Saver to help grow their businesses since 1992. We are proud to be your hometown coupon magazine.

Thank you again for your commitment to be an active part of our association. Together, we will truly make a difference in building the American dream.

page 4

www.ncbia.com

August-September 2018

Mark These Dates in Your Calendar

Oct 3 - 9:30 AM - Sales & Marketing Committee Oct 5 - 9:00 - 10:00 - Clambake Committee Oct 13 - Clambake, Knights of Columbus, 4720 Oberlin Ave., Lorain Oct 17 - 3:45 Codes Roundtable, 4:45 General Membership Meeting & Election Night, Tom’s Country Place, 3442 Stoney Ridge Rd., Avon Dec 5 - 3:30 - Executive Committee, 5:00 Board of Directors Meeting Jan 19 - Installation Night, Vermilion Boat Club (more info to come)

What You Need to Know About the 20% Pass-Through Deduction

Please refer to the 2018 calendar on page 35 for remaining year’s events.

Check the website at www.ncbia.com for up-to-date changes, additions and corrections to these events!

NAHB Member Advantage Discounts NAHB Member Advantage gives members an easy way to reduce expenses, maximize profits and increase efficiency. Through agreements with leading national companies, NAHB offers exclusive discounts on a variety of products and services that can benefit your business, employees and family. In the past year, members have saved over $20M through Member Advantage. For the most up-to-date information about which companies are offering discounts as well as detailed information on how to access the savings, please visit www.nahb.org/ma.

In 2017 members saved over $20 million using NAHB Member Advantage programs. Savings in these programs and others help cover the cost of your membership dues and benefits your local association. The Tax Cuts and Jobs Act signed into law late last year created a new section of the tax code that provides a 20% deduction for “qualified business income” generated by pass-through entities such as LLCs, partnerships and S-corporations.

Don't miss these and other great programs that can save you and your business money:

General Motors

The law went a long way to help small business owners compete, but lefty a bevy of unanswered questions.

General Motors is proud to offer NAHB Members a Private Offer of up to $1,000 towards your next purchase or lease of select Chevrolet, Buick and GMC vehicles.

Though some questions remain, the IRS provided significant clarity last month when it published proposed regulations and a related notice regarding the 20% pass-through deduction.

Houzz

In a recent Eye on Housing blog post, tax economist David Logan highlights key sections on some of the most important IRS updates. Logan’s analysis covers:

• What to account for when determining qualified business income; • The treatment of investment income; • Compensation for services; • The definition of “trade or business” and rental income; • Deduction disallowed for income derived from a “specified service trade or business;” • Limitations on high-income earners; and • The depreciable property test and like-kind exchanges.

August-September 2018

Get an additional 10% off already trade discounted products with code “NAHB”. Save more on brands like Kohler, Delta, Moen, and Hansgrohe. Visit www. houzz.com/trade-program for instant access or email us at tradesupport@ houzz.com.

GEICO

In business for over 75 years, GEICO gives you the benefit of great rates on high-quality personal auto insurance. You could be eligible for a special NAHB membership discount on GEICO personal auto insurance. Ask about our competitive rates for Homeowners and Commercial auto insurance as well.

UPS

NAHB members now have access to even better discounts at up to 40% with UPS, plus get 50% off select services for up to four weeks after you (re)enroll— no matter how much you ship, when you ship, or where it’s going. In addition, save at least 75% on heavyweight shipments over 150 lbs. Call 1-800-MEMBERS now to learn more or to (re)enroll!

www.ncbia.com

page 5

NAHB Lauds Trump Executive Order on Retirement Security

place retirement savings plans for American workers.

President Trump today signed an executive order called “Strengthening Retirement Security in America” that is designed to expand access to workplace retirement savings plans for American workers. NAHB CEO Jerry Howard attended the signing ceremony, which took place in Charlotte, N.C., and issued the following statement in support of the White House initiative:

• President Trump is directing the Departments of Labor and the Treasury to consider issuing regulations and guidance that would make it easier for businesses to offer retirement plans. o The Departments will consider changes to make it easier for businesses to join together to offer Association Retirement Plans (ARPs), also known as Multiple Employer Plans. • ARPs reduce the cost of offering retirement plans for businesses that join together by expanding the number of workers who participate. o Currently, complying with the requirements has made it dif ficult for small businesses to band together to offer ARPs. • Workers at small businesses often have less access to workplace retirement plans compared to workers at larger businesses. o Eighty-nine percent of workers at establishments with 500 or more employees are offered a workplace retirement plan. o In contrast, only 53 percent at establishments with fewer than 100 workers are offered a workplace retirement plan. REDUCING COSTS FOR SMALL BUSINESSES: High costs prevent many small businesses from offering workplace retirement plans, weakening the retirement security of their employees.

NAHB CEO Jerry Howard speaks onstage with President Trump at the signing ceremony.

“NAHB commends President Trump for making retirement security an important national priority. This need is particularly acute in the residential construction sector, where most home building firms are small businesses with less than 10 employees. Therefore, I am particularly pleased to attend this event in Charlotte representing the nation’s home builders. “By continuing to follow through on his pledge to reduce burdensome regulations, the president is taking an important step forward for American workers. The executive order removes needless regulatory barriers that will help more trade groups and small businesses to provide workplace retirement plans for their employees.” Specifically, the executive order is aimed at allowing two or more employers who are not related (e.g., car dealerships and restaurants) to establish 401(k) plans as one entity. By pooling resources, unrelated businesses could cut costs, which could lead to more companies offering retirement savings plans. Multiple employer plans would be particularly helpful to small businesses who otherwise may not be able to offer retirement benefits by allowing them to participate in a single, professionally administered plan that affords them economies of scale. ALL NEWS QUOTE “It’s time to take care of our people, to rebuild our nation, and to fight for our great American workers.” -- President Donald J. Trump EXPANDING ACCESS TO RETIREMENT PLANS: President Donald J. Trump signed an executive order to expand access to workpage 6

• High costs are holding back small businesses from offering workplace retirement plans, as they do not benefit from the economies of scale that larger businesses enjoy. o Businesses that offer workplace retirement plans pay administrative and overhead costs that may be difficult for small businesses to afford. • Small businesses say high costs are discouraging them from offering workplace retirement plans, according to a Pew survey. o Seventy-one percent of small and medium sized business es that do not offer workplace retirement plans reported that high costs deterred them from doing so. o Thirty-seven percent of small and medium sized businesses cited high costs as their main reason for not offering a plan. • The executive order directs the Departments of Labor and the Treasury to consider ways to improve notice requirements to reduce paperwork and administrative burdens. STRENGTHENING WORKERS’ FINANCIAL FUTURES: Making changes to certain retirement plan rules will help workers better prepare for their financial futures. • The Department of the Treasury is to review the rules on required minimum distributions from retirement plans to see if retirees could keep more money in 401(k)s and Individual Retirement Accounts for longer. o This could allow retirees to spread retirement savings over a longer period of time. • Polling shows that nearly half of all Americans are concerned they will not have enough money to live on during retirement. • Too many American workers, including one-third of those in the private-sector, have no access to workplace retirement plans, burdening them with concerns about their financial futures.

www.ncbia.com

August-September 2018

NAHB CEO Howard: Lumber Producers Acting Like Oil Cartels of the 1970s

NAHB Economists Forecast Challenges, Opportunities Ahead The nation’s economy is enjoying one of the longest stretches of continued GDP growth in history. But the level of economic acceleration might soon begin to ease. In a midyear economic forecast presentation now available to NAHB members, NAHB Chief Economist Robert Dietz was quick to acknowledge that, aside from the declining affordability of housing, “overall economic conditions remain solid.” He noted that while certain seemingly negative dynamics of the economy will actually prove to be good news for housing demand, several economic challenges will persist.

In a National Post story on how lumber tariffs are affecting U.S. and Canadian lumber producers as well as American consumers, NAHB CEO Jerry Howard said the domestic lumber industry was behaving in a manner similar to the oil cartels of the 1970s.

“We’re in an aging growth cycle and some imbalances are beginning to build up in the macroeconomy, [so] we have to be aware of those risks going forward,” Dietz said.

“We believe the lumber producers were acting not much differently than the oil cartels did back in the 1970s,” said Howard in an interview with the Canadian news outlet. “There is just too much evidence that leads us to conclude that there was profiteering going on.” In Buffalo, N.Y., one local home builder told the National Post the effects of these protectionist trade policies on his business have been “crippling.” Domestic lumber production has not kept pace with growing demand since the tariffs were enacted, and U.S. logging and sawmill employment has been relatively flat. In a normal economic scenario, tariffs coupled with a steadily growing housing recovery would encourage domestic lumber producers to ramp up production and hiring to meet a growing demand for lumber. Susan Yurkovich, president of the B.C. Lumber Trade Council, summed up the situation precisely when she told the National Post: “Who’s really suffering is the U.S. consumer.”

Dietz’s full presentation, as well as several more from other NAHB economists, can be viewed for free at nahb.org/forecasts. The presentations provide insights on many key areas of the housing sector — some that are likely to experience sustained growth, and others showing signs of a slowdown. The additional presentations include: • Lumber and Tariffs • Multifamily Cost of Regulation • Macro and Regional Conditions • Living Arrangements of Young Adults

Since 1938. Strong. Stable. Safe.

Go to nahb.org/forecasts for more.

August-September 2018

www.ncbia.com

page 7

Executive VP Column by Vincent J. Squillace, CAE, OHBA Exec. VP

AUTO

PLANNING IS IMPORTANT Needless to say, planning is essential for all associations to be successful. OHBA places a high priority on planning. We regularly review our operating plans, implement updates and keep an eye on relevant factors impacting our future.

INSURANCE MADE EASY.

This has proven beneficial. For the past six or seven years we have weathered a dramatic decrease in membership, and unrelated income. In fact, the decrease has been close to 45%. Good thing we planned years ago to bank invest excess cash to build a sizeable rainy day fund. Interest and other earnings have enabled us to perform as directed by the board with efficiency and success.

NATIONAL ASSOCIATION OF HOME BUILDERS members could save even more on car insurance with a special discount from GEICO. Contact us today for your free quote!

Yes, we have reduced staff and some other ‘fun’ stuff but we remain a chief advocate for our association’s interests. Challenges continue. Affordable housing. While some in the public arena quote their desire to enable more of it they often stand squarely in its path when proposing new regulations. This is the major challenge OHBA is obligated to address on the state level.

geico.com/disc/nahb 1-800-368-2734 Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. GEICO Gecko image © 1999-2016. © 2016 GEICO

2019 OHBA leaders are planning again for another year of challenges. While the operating budget will closely resemble the past few years, all else is a go. We will showcase our activities at our government affairs meetings where we lay out present and future challenges. This also the venue for our members to inform us of top regulatory issue they face. This is a valuable service offered to you exclusively as members of our association.

Everything you love about Amazon. For Work.

Through NAHB, register for a FREE Amazon Business account and gain access to the following features: Business-only pricing and products • Improved spending visibility

Purchasing approvals and workflows • Multiple payment options

•

Create a FREE account amazon.com/NAHB

Already have an Amazon Business account? Visit amazon.com/shop/NAHB

page 8

www.ncbia.com

August-September 2018

Eye on Housing BY ROBERT DIETZ

BUILDER CONFIDENCE REMAINS FIRM IN AUGUST Builder confidence in the market for newly-built single-family homes edged down one point to a solid 67 reading in August on the National Association of Home Builders/Wells Fargo Housing Market Index (HMI). Builders continue to report strong demand for new housing, fueled by steady job and income growth along with rising household formations. However, they are increasingly focused on growing affordability concerns, stemming from rising construction costs, shortages of skilled labor and a dearth of buildable lots.

Builder Members Can Win a Trip to Napa As the official NAHB membership sponsor, Signature Kitchen Suite is offering 6 prizes to Builder members who sign up the most NEW members during the Fall membership drives. The competition runs from September 1 to October 31, 2018.* The prize is a trip to Napa Valley to visit to the Signature Kitchen Suite Experience and Design Center. The top two Builders from each size category will be invited to attend and bring a guest.

The solid economic expansion and firm job market should spur demand for new single-family homes in the months ahead. Meanwhile, builders continue to monitor how tariffs and the growing threat of a trade war are affecting key building material prices, including lumber. These cost increases, coupled with rising interest rates, are putting upward pressure on home prices and contributing to growing affordability challenges, as indicated by the latest quarterly reading of the NAHB/Wells Fargo Housing Opportunity Index. Derived from a monthly survey that NAHB has been conducting for 30 years, the NAHB/Wells Fargo Housing Market Index gauges builder perceptions of current single-family home sales and sales expectations for the next six months as “good,” “fair” or “poor.” The survey also asks builders to rate traffic of prospective buyers as “high to very high,” “average” or “low to very low.” Scores for each component are then used to calculate a seasonally adjusted index where any number over 50 indicates that more builders view conditions as good than poor. The HMI index measuring current sales conditions inched one point lower to 73 while the component gauging expectations in the next six months all fell a single point to 72. Meanwhile, the metric charting buyer traffic dropped two points to 49.

The prize provided by Signature Kitchen Suite consists of: • 4 day / 3 night trip, March 13-16, 2019 • Airfare, meals, hotel, and transportation • Exclusive brand immersion experience featuring sous vide cooking demos and learning more about our True to Food™ philosophy and Technicurean™ customer • Enjoy great food, wine, and fun activities (wine tour or golf)

Looking at the three-month moving averages for regional HMI scores, the South and West each held steady at 70 and 75, respectively. The Northeast fell three points to 54 and the Midwest also posted a threepoint decline to stand at 62.

Builder Members compete against others from HBAs in their size category. There are 3 categories – small, medium and large. Each category will have a winner and runner up. HBA categories are as follows: • Small: 0 – 249 Members • Medium: 250 – 499 Members • Large: 500+ Members * New Builder and Associate members only and renewals not included.

The HMI tables can be found at nahb.org/hmi.

Check the website for details, official rules and updates.

August-September 2018

www.ncbia.com

page 9

Closing Strategies for Today’s ‘Amazon Prime’ Home Buyer

• Educate and close, educate and close. Since buyers come into the sales process already 60% through the decision-making process, the remaining 40% relies on the salesperson to educate them and close on all aspects of the product and process. Bring in experts such as the construction manager, financial person, etc., to provide information and to make it easy to close the buyer. • You can get a contract during the first interaction with today’s “Amazon Prime” buyers. Salespeople typically stop the sale themselves by assuming they covered enough for one visit, and start to talk about followup items. Instead, use the transition phrase, “Next” to explain what the buyer can expect each step of the way and to keep the sales clock ticking. This helps eliminate the standstill that often forces a follow-up call or appointment. Be open and willing to try a different approach to closing. Informed buyers will appreciate your efficient selling backed by your genuine product expertise. Chad Sanschagrin, CEO of Cannonball Moments, is an international trainer, executive coach and speaker, and he’s mastered the science of psychology in the art of selling.

Alec Baldwin in the 1992 movie “Glengarry Glen Ross” from New Line Cinema.

If you have any experience in sales, you’ve likely heard the classic line from the movie “Glengarry Glen Ross,” “A-B-C. A-Always, B-Be, CClosing.” But what does it mean to always be closing? Closing is not an action but a strategy. As times change, so must a salesperson’s strategy for closing sales. Most salespeople can tell you that there has been a dramatic change in home buyers over the past 10 to 15 years. With information so readily available, buyers are well informed about homes before they visit them. Recent studies show that buyers come into the sales process already 60% through the decision-making process. However, most sales professionals still sell the same way they always have – highlighting benefits and features of their products without deliberately closing each portion of the sales process. Some build up to closing as an event at the end of the sales process. The most effective sales professionals, however, move to the contract stage as a mere formality of the verbal agreement between themselves and the buyer. Sales tactics need to evolve for today’s “Amazon Prime” world. Buyers already know the features of the homes they visit, and they expect a swift and certain process. Here are some tips on how find a more relevant method to close in the current market. • Adapt the mindset that closing is not a single event but instead an ongoing strategy. For example, as you walk buyers through a model home, you close the buyers on their needs being met by each room or feature in the home. To sell is to close the buyer on each step of the process. • Rip the Band-Aid off early. Close the prospect on something in the first few minutes of interacting. When you make an early close, the buyer is essentially giving you permission to continue to the next step in the sales process. One of the hardest early closes you can make is getting “just looking” buyers to let you walk them through the model home. Most salespeople lose this first close. The prospect is either closing you on why they should walk it alone or you are closing them on your value as the expert. Win this close and win it early. page 10

$ave with the GM Fleet Private Offer for NAHB Members NAHB Members are eligible for a Private Offer of up to $1,000 towards the purchase or lease of select new Chevrolet, Buick or GMC vehicles. General Motors Fleet is offering incentives on 20172018 Malibu midsize sedans, select Colorado and Canyon midsize pickups, and Express and Savana full-size vans. Fleet customers purchasing from dealer inventory can receive $500 in Fleet Cash1, which can be combined with the NAHB Private Offer, National Fleet Purchase Program for Stock Units (FQV) and Business Choice Offers on qualifying vehicles. Must take delivery by October 1, 2018. Example offer for NAHB members who are business owners and purchasing a 2018 Chevrolet Express 3500 Cargo Van: $1,000 Private Offer + $4,750 National Fleet Purchase Program + $1,200 Upfit Cash Allowance + $500 Fleet Cash = $7,450Potential Value.

For private offer details, visit www.nahb.org/gm. Find your local Chevrolet Business Elite dealer, visit www.gmfleet.com/locatedealer. 1Valid on 2017 and 2018 model year Chevrolet Express, GMC Savana, Chevrolet Colorado (excludes 2SA), GMC Canyon (excludes 2SA) and Chevrolet Malibu. Only available to qualified non-CAP fleet customers who are purchasing vehicles from their dealer’s retail inventory. Take delivery by 10/1/2018. See dealer for complete details. ©2018 General Motors, LLC. All rights reserved. The marks appearing in this ad are the trademarks or service marks of GM, its subsidiaries, affiliates, or licensors.

www.ncbia.com

August-September 2018

Funding that fits your business

Receive Free Travel Perks and Savings from Hertz®

More than 150,000 small businesses have trusted Kabbage® for flexible business funding that’s there when they need it. Learn more about what Kabbage can do for your business and get a $200 gift card when you qualify.(1)

Renting a car has never been easier, faster or more rewarding. Simply sign up for Hertz Gold Plus Rewards® for free with your NAHB discount code (CDP# 51046) to enjoy:

Kabbage® can help your construction business: • Access up to $250,0002 • Grow with the tools you need • Hire the extra hands to take on more work (1)Customers who apply for a Kabbage line of credit using www.kabbage.com/nahb and are approved will receive a $200 gift card via email 3-4 weeks after getting approved. This Visa e-gift card can be used online wherever Visa debit is accepted. Kabbage reserves the right to cancel the promotion at any time. This offer is single-use and non-transferrable. Valid in the US only. 2Credit lines and pricing are subject to periodic review and change, including line and pricing reductions, line and pricing increases, or line eliminations. This is not a revolving account. Individual requests for capital are separate installment loans. Frequently Asked Questions.

Exclusive NAHB limited time offer. Get 10% off your purchase when you use your new or existing Lowe’s Accounts Receivable or Lowe’s Business Account between 8/20/18 and 8/24/18. Just print the coupon and present it at time of purchase. Cannot be combined with any other credit offer.*

Let us help you get the word out about the NAHB UPS Saving Program

• Save up to 36% on small package services including air, ground, and international. In addition, you save at least 75% on heavyweight shipments over 150 lbs.

If you don’t have a Lowe’s Business Account, click here to apply. Register to save 5% every day when using either your Lowe’s Account Receivable (LAR) or Lowe’s Business Account (LBA) and register to receive an additional 2% statement credit through 12/31/2018. And NAHB Members receive free jobsite delivery on purchases of $500 or more. Go to LowesForPros.com/NAHB or call 877-435-2440 for details. Some restrictions may apply. See store for details.

• Minimize financial setbacks with insurance through UPS Capital Insurance Agency, Inc., by protecting shipments. Order and produce a wide variety of digital printing solutions such as copies, quick prints, presentations, newsletters, and finishing services online with The UPS Store. Members simply visit www.1800member.com/nahb or contact a Member Care Specialist at 1-800-MEMBERS (800-636-2377) for a one-on-one consultative session.

Do you buy online for work?

Your members have a new way to simplify workplace purchasing Amazon Business is a marketplace that combines the selection, convenience and value customers have come to know and love from Amazon, with new features and unique benefits tailored to the needs of businesses. Amazon Business provides easy access to hundreds of millions of products—everything from IT and lab equipment to education and food-service supplies. Together, Amazon Business and NAHB give you:

• Increased visibility and control by consolidating multiple users into one account. • Discounted prices just for businesses on millions of products across Amazon. • Business access to Amazon’s world-class fulfillment capabilities. • Quantity discounts on multi-unit purchases on millions of products. • Convenient Shipping options, including Unlimited FREE Two-Day Shipping with Business Prime Shipping. Create your free account, here: www.amazon.com/NAHB OR if you already have an account, visitwww.amazon.com/shop/NAHB.

*Discount applies to “Pay Later” base rates only. Taxes, fees and options excluded. Terms apply.

Did you know Meridian One, NAHB’s UPS member discount program partner, is here to help you engage your members? We can provide convenient turnkey marketing resources to help you convey the savings members receive and the value added business solutions the NAHB UPS Savings Program offers.

Limited Time Event!

August-September 2018

• Year-round Savings. Up to 20% off base rates* and bonus coupons. • Convenience. Bypass the counter. Proceed to your reserved vehicle and go. • Perks. Free additional driver for a spouse or domestic partner in the U.S. • Choice. Freedom to choose your car at participating Ultimate Choice® locations. • Rewards. Earn points towards free rental days and more. Sign up for FREE at www.hertz.com/nahb.

Do you need marketing resources? Click here to access social media posts you can copy and paste and a flyer you can include in your new member kits or meeting material.

New TSYS Referral Program Makes You $$ Thanks to all whom we met at the Association Management Conference in Long Beach. For over 11-years TSYS has partnered with NAHB as your payment processing expert. Terminals, mobile, integrations, accounts payable, e-commerce—TSYS can assist with all your payment processing needs. New this year is the TSYS referral program for the state and local associations. It’s easy! Send a referral and TSYS will pay $250* for each new account. Call Carrie Daniels at 615-648-3660 and start earning unlimited, non-dues revenue today!

www.ncbia.com

page 11

Get a Look Inside Employee Compensation Trends Across the Country One of the most consequential business decisions a company has to make is how much to pay its employees. Single-family home building companies are no exception, which is why NAHB conducted a nationwide survey. The Single-Family Builder Compensation Study shows data on compensation and benefits for 39 common positions at single-family building companies. The data are broken down by region and size of the builder (starts, dollar volume, and employees). Get your copy today!

Thank You for Renewing Your Membership Joe Mancuso, 84 Lumber Steve Whitman, Advanced Comfort Systems, Inc. Diane Buchs, Allen Buchs Excavating Construction Marcus Born, Born Builders Bob Nicoll, CareWorksComp Ed Cyrek, Cassell Builders & Remodelers Michael McCourt, Erie Shores Contracting, LLC Michelle Williamson, Fidelity National Bank Annette Gilgenbach, Gilgenbach & Sons Excavating, LLC Joseph Keller II, J.P. Keller Construction, Inc. Scott Kosman, Lakeland Glass Sam Page, Leppo Equipment Gary Morgan, Meritech Joe Hart, North Coast Integrated Technology Packy Hyland, Padsmart Bill Perritt, Perritt Building Company Keith Raymond, Raymond Plumbing, Heating & Air Conditioning Nicholas Penick, Related Construction, Inc. Cathie Emery, Sims-Lohman Fine Kitchens & Granite Timothy King, Superior Electric Supply Co. April Tecco, Third Federal Albert Gasparini, Traditional Marble & Granite D. Mark Clement, Weathertight Construction, Inc.

Welcome New Members Russell Bennison, Ace Primavera (Associate) (419) 681-4100 Sponsored by Jack Kousma, Kousma Insulation

HEYYYYYY!!!!

Does your dog want to be a STAR???

Ashley Noe, Cambria (Associate) (216) 386-3166 Ashley.noe@cambriausa.com Sponsored by Tom Caruso, Carusoâ€™s Cabinets Imad S. Zuraiki, Elite Homes of Ohio (Builder (440) 506-6645 zuraikii@gmail.com Sponsored by Mary H. Felton, Fidelity National Title Janet Beane, Russell Real Estate Services (Associate) (440) 336-5000 BeaneVictorTeam@gmail.com Sponsored by Mary H. Felton, Fidelity National Title

Maria Sabala Photography and Champion Studios are teaming up on a canine book project and we need a few more doggie models!! We opened up ONE LAST photo shoot day, Oct. 7th. Call Sit Means Sit to schedule your audition. These will go FAST!! Call today!!

(440) 331-7487

page 12

Brian Victor, Russell Real Estate Services (Affiliate) (440) 336-5000 BeaneVictorTeam@gmail.com Sponsored by Mary H. Felton, Fidelity National Title

Sorry to See You Go Larry Scott, L.E. Scott Electrical, LLC. (Associates)

www.ncbia.com

August-September 2018

NORTH COAST BUILDING INDUSTRY ASSOCIATION

2018 Clambake

Saturday, October 13, 2018 5:30 PM Knights of Columbus 4720 Oberlin Ave., Lorain

Great LOW Pricing! $ $ 300 40 per person per table of 8

Join Us for Great Food & Fun! Invite your friends, family, co-workers, clients... BOOZE BASKET to be auctioned! Chinese Raﬄe Baskets EVENT SPONSORS:

Great Food Socializing Lots of Raffles & More!

Dinner Options

#____ Table(s) of 8 (Choose dinner options below) #____ Chicken Clambake Dinner

Includes: Broth, Chowder, Grilled Chicken Breast, Redskin Potatoes, Corn, 1 Dozen Clams, Rolls & Butter, & Dessert

#____ Steakfry Clambake Dinner

Includes: Broth, Chowder, Steak, Redskin Potatoes, Corn, 1 Dozen Clams, Rolls & Butter, & Dessert

#____ Dozen Clams @ $12.00 per dozen #____ TOTAL PEOPLE ATTENDING

Marketing Opportunities

#____ Event Sponsors @ $599 - mark dinner choices above

Includes: 8 dinner tickets, recognition at the event, recognition in BUILDER newsletter, Listing on program/placemat, Table Signage, Banner (you provide) to hang at the venue

#____ Rafﬂe Board Sponsors @ $249

Includes: Your company name on each and every reverse rafﬂe ticket sold from both the $5 and $10 boards at the event

#____ Table Sponsors @ $99

Includes: Listing on event program/placemat

#____ Yes, I will provide a basket for the Chinese Basket Rafﬂe

NOTE: NCBIA will create a basket for you for only $100 _____ Yes, please bill me for this

#____ Yes, I will donate a bottle of “booze” for our Booze Basket

Raﬄe Tickets TABLE SPONSORS: Troy Toth

#____ $10 Reverse Rafﬂe Ticket Vouchers #____ $5 Reverse Rafﬂe Ticket Vouchers Note: Additional tickets will be available at the event

A $5.00 CONVENIENCE FEE WILL BE CHARGED FOR CREDIT CARD PAYMENTS UNDER $500.00...$10.00 FEE FOR PAYMENTS OVER $500.00. SPONSORS DO NOT PAY CONVENIENCE FEE!

Method of Payment: ___Payment Enclosed ___Invoice ___VISA/MC/AMEX/DISC

Company Name: ______________________________________________________________________ Contact: ______________________________________________________________________________

$5 RAFFLE BOARD SPONSOR:

Card No:_____________________________________________________________Exp. ___________ CRV#:______________ Zip Code:____________________Phone: _____________________________ Complete Billing Address ______________________________________________________________

$10 RAFFLE BOARD SPONSOR:

__________________________ Email: _____________________________________________________ Name on Card: __________________________ Signature:____________________________________

Send Completed form via fax: to 440-934-1089 or mail: 5201 Waterford Dr., Sheffield Village, Ohio 44035 or register online at www.ncbia.com Questions? Call 440-934-1090

Deadline for Reservations or Cancellations: Oct. 5, 2018

Additional Growth for Residential Construction Loans BY ROBERT DIETZ

Flat Conditions for Some Housing Sectors, but Not All BY NAHB CHIEF ECONOMIST ROBERT DIETZ Despite growing housing affordability concerns, builder confidence in the single-family market remains solid. The NAHB/Wells Fargo Housing Market Index came in at a level of 67 In August, a one-point drop from last month. This matched the relatively flat pace of construction in July, with total housing starts up less than 1% from the previous month. However, market demand remains healthy, with starts up more than 6% thus far in 2018 on a year-to-date basis. And this positive trend should continue, with residential construction loan growth up 8% yearover-year as of the second quarter, according to NAHB analysis.

The volume of residential construction loans increased by 1.7% during the second quarter of 2018, marking 21 consecutive quarters of growth. Furthermore, recent stabilization of year-over-year growth rates is an indicator of continued, modest growth for single-family construction. Tight availability of acquisition, development and construction (AD&C) loans has been a limiting factor for home building growth, but easing credit conditions and a growing loan base have helped expand residential construction activity. According to data from the FDIC and NAHB analysis, the outstanding stock of 1-4 unit residential construction loans made by FDIC-insured institutions rose by $1.3 billion during the second quarter of

Affordability issues were reflected in recent sales data. Existing singlefamily home sales dipped in July from the previous month, and were down 1.5% compared to a year ago — marking the fourth-straight month of year-over-year declines. Sales volume is soft due to lack of inventory and recent price gains. Sales of newly built single-family homes were down almost 2% in July, though sales totals are up 7% thus far in 2018 on a year-to-date basis. However, not all submarkets are experiencing flat growth conditions. For example, townhouse construction (single-family attached housing) surged in the second quarter to a total of 36,000 starts — 44% above first quarter totals. Over the last year, construction has begun on more than 116,000 townhouses, a 23% increase compared to the prior year. This activity, including gains for single-family built-for-rent construction, suggests individual submarkets continue to grow as more builders offer housing that helps buyers and renters contend with rising affordability issues.

2018, raising the total stock of outstanding loans to $77 billion. On a year-over-year basis, the stock of residential construction loans is up almost 8%, which is a useful indicator of the additional volume builders intend to add to construction activity. Since the first quarter of 2013, the stock of outstanding home building construction loans has grown by 89%, an increase of $36 billion.

Dollar Bank is here to support our local builders. We make construction financing easy for your clients. • Adjustable and Fixed Rate Mortgages. • Mortgage amounts up to $1 million. • Only one closing: construction mortgages automatically convert to permanent mortgages with the same low rate.

Mortgage Experts are around the corner! Liz Schneider NMLS# 728176 Senior Mortgage Representative

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August-September 2018

It is worth noting the FDIC data represent only the stock of loans, not changes in the underlying flows, so it is an imperfect data source. Nonetheless, recent growth in the stock of AD&C loans is a positive development. NAHB surveys of builders and developers also suggest improving lending conditions, although recent Fed survey data indicates tightening for commercial real estate lending purposes. However, lending remains much reduced from years past. The current stock of existing residential AD&C loans now stands 62% lower than the peak level of residential construction lending of $203.8 billion reached during the first quarter of 2008. The FDIC data reveal that the total decline from peak lending for home building construction loans continues to exceed that of other AD&C loans (nonresidential, land development, and multifamily). Such forms of AD&C lending are off a smaller 38% from peak lending. This class of AD&C loans has now registered 20 quarters of expansion (although only 0.6% for the second quarter of 2018). Some land development loans connected to home building are grouped in this other class. So it is worth noting that recent NAHB survey data indicate land development loan conditions easing more than other types of lending in the most recent quarter. Despite the steady increase in residential AD&C lending, there exists a lending gap between home building demand and available credit. This lending gap is being made up with other sources of capital, including equity, investments from non-FDIC insured institutions and lending from other private sources, which may in some cases offer less favorable terms for home builders than traditional AD&C loans.

September Brings Great IBS Discounts

and outdoor spaces at the Las Vegas Convention Center. “As we kick off our 75th anniversary, we are thrilled to bring even more exciting offerings to our attendees than ever before,” said NAHB Chairman Randy Noel. “There is truly nowhere else that you can find such an array of innovative products, education sessions, special events and networking opportunities all in one place. This is the biggest show for the housing industry and not to be missed.” Attendees with a full conference registration will also have access to more than 130 education sessions led by renowned experts on a wide range of industry topics. For those looking for more niche programming, the free IBS Centrals offer more targeted networking and education programs in such specialized fields as remodeling, design, 55+ housing and more. The High Performance Building Zone will feature construction demonstrations and presentations focused on what’s next in home building. Additionally, for the third year in a row, the IBS show floor will feature the CEDIA Pavilion, a space showcasing exhibitors who specialize in technology solutions for the home. The 2019 show will kick off on the morning of Feb. 19 with Emmyaward winning actor and comedian Dana Carvey and a performance from Blue Man Group. That evening, Drai’s Beachclub and Nightclub at the Cromwell Hotel will host the Official IBS House Party. Other events throughout the week include the Young Pro Party and the IBS Spike Closing Concert, where attendees will close out the Show by enjoying a performance by the world-famous rock band, the Goo Goo Dolls. Attendees will also have the opportunity to tour NAHB’s official IBS show homes, The New American Home® and The New American Remodel™. The homes showcase innovative building technologies, emerging design trends and the latest building products. The showcase products in the homes are provided by members of the NAHB Leading Suppliers Council, and Professional Builder and Professional Remodeler magazines will once again serve as the media sponsors of the 2019 show homes. The NAHB International Builders’ Show is not open to the general public. Building industry professionals and their affiliates are invited to register at BuildersShow.com.

Registration is open for the 75th annual NAHB International Builders’ Show® (IBS), the largest annual, light-construction trade show in the world. The show returns in 2019 to Las Vegas Feb. 19-21 after a twoyear stint in Orlando. Locking in IBS registration this month means attendees will enjoy discounted rates – as well as a better shot at preferred hotels and cheaper flights: NAHB members get a free expo pass or a $100 discount off full registration if they register this month. Learn more at BuildersShow.com/fees. IBS will again co-locate with the National Kitchen & Bath Association’s Kitchen & Bath Industry Show for the sixth annual Design & Construction Week®. The two shows are expected to host more than 2,000 exhibiting brands spanning over one million net square feet of indoor August-September 2018

www.ncbia.com

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ICS

L A R E N E G OCTOBER NG I T E E M P I SH MEMBEIGR E HT FOR TH CK TO BAS

NCBIA BA

N ELECTION CTORS D OF DIRE R A O B 9 1 20

EVENT SPONSORS:

WEDNESDAY, OCT 17, 2018 Tomâ€™s Country Place 3442 Stoney Ridge Rd., Avon

3:45

- Codes Roundtable facilitated by Ric Johnson, OHBA Executive Committee and Building Codes Chair, Member of the Residential Construction Advisory Committee for the State of Ohio

4:45 - Visit Tabletops & Networking

5:30 - Dinner & Meeting (Voting for OfďŹ cers)

Network with your Peers Sign Up for a 2019 Committee WINNER of 2018 Membership Drive Trip Announced! Deadline for reservations/cancellations â€“ October 12, 2018 A reservation made is a reservation PAID!

Fill this form out and return by fax or email. Or register online at ncbia.com Attendee(s) _____________________________________________________________ Company Name _________________________________________________________ ___ I will attend codes roundtable ___ I will ONLY attend codes roundtable No. of NCBIA members _____ x $ 30 = _________ No. of NCBIA non-members _____ x $ 40 = _________ Tabletop _____ $ 99 = _________ Codes Roundtable Sponsor _____ $100 = _________ Event Sponsor _____ $200 = _________ Method of Payment: ___ Invoice ___ Check ___ VISA/MC/AMEX Card No. ________________________________________________________________ Expiration Date ________________ CRV# _________ Phone ___________________ Email ___________________________________________________________________

ONLY

Non-NCBIA Members $40 each

$30

EACH

TABLETOPS

$99

EACH

CODES ROUNDTABLE SPONSORS

$150 EACH

(MIC TIME, NAME DISPLAYED)

EVENT SPONSORS

(INCLUDES 2 MEAL TICKETS, 1 TABLETOP DISPLAY, YOUR LOGO ON RESERVATION FORM, MIC TIME, RECOGNITION AT THE EVENT, & NCBIA BUILDER NEWSLETTER)

$200 EACH

MEETING THEME: BACK TO BASICS

LEARN

How we can help you NETWORK!

BUILD We can help you BUILD your business! SAVE You can SAVE with our member beneďŹ ts

Billing Address __________________________________________________________

& discounts!

Signature _______________________________________________________________

Help you ENGAGE through our committees & events!

A $5.00 convenience fee will be charged for all credit card payments (sponsorships excluded)

Questions: Contact us at 440-934-1090 or email: judie@ncbia.com Fax â€“ 440-934-1089 Mail â€“ 5201 Waterford Drive, Sheffield Village OH 44035

ENGAGE

Take time to come - -

YOU OWE IT TO YOUR BUSINESS!!

Building on Trust. Delivering on Promises. Our hassle-free approach allows for reliable cabinet delivery and granite countertop installation in five working days or less after template.

Visit a showroom closest to your area. www.sims-lohman.com Elyria call: 440.934.1751 â€˘ Broadview Heights call: 440.717.9500 â€˘ Willoughby call: 440.373.1195

SEE NEW: 1/11 Are you tired of repeating the same week over and over in your business? Get a fresh, new perspective in 2019.

Resolve to make goal setting and planning a core part of your business in 2019 by joining other like-minded business owners from Northeast Ohio.

actioncoachteamneo.com/growthclub

SAVE THE DATE!!! Jan 11, 2019

Photo Gallery: Night at the Crushers Sponsored by:

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August-September 2018

Photo Gallery: Member Softball Game & Picnic T-shirt sponsor:

Softball sponsor:

Thank you to all the members who came out to our annual softball game. It was so much fun getting to interact with everyone in that type of setting. We hope that you will join us next year, too!!

Table sponsors:

Mike Warden

August-September 2018

www.ncbia.com

page 19

Photo Gallery: Sales & Marketing Committee Networking Luncheon hosted by:

August-September 2018

www.ncbia.com

page 21

Executive Officer’s Report

What Our Members are Saying

by Judie Docs, CSP, MCSP, MIRM, CMP, CGP

The next time you come to a NCBIA event, look around at your fellow members. Most of them will be associate members. These are essential to the home building process and help enable our industry to provide Americans with an unrivaled selection of quality homes. Our associate members are subcontractors, sales and marketing specialists, title and settlement experts, lawyers, people in the financial services industry, product suppliers and manufacturers, and many more who are essential to the challenging task of providing housing for a growing population. Associate members are also essential to the NCBIA, OHBA and NAHB, offering sponsorships, devoting countless hours at committee meetings and volunteering at special events, and strengthening our industry in the process. Most importantly, our associate members help broaden our perspective so that we can access issues more objectively in the context of our entire industry. I urge all NCBIA members to get to know one another better, learn about each other’s businesses whenever possible, to do business with other members. Our association in strong when individual members are strong and doing business with other members is a great way to strengthen the association while ensuring that the people you work with understand the issues and concerns that affect your day-to-day operations. Associate members are invaluable to our businesses and an essential part of our proud history, tradition and spirit. I would like to personally thank our associates!

“The NCBIA is a great resource for homeowners on anything from new construction, remodeling, and home improvement/repair. NCBIA Members are truly leaders in their fields and can be trusted to do any type of project in your home.” “I enjoy networking with other professionals from various backgrounds.” “If you get involved, the people you want to meet are there....but you have to get involved.” “The NCBIA is awesome!” “Great networking!” “The NCBIA is a great organization that supports its members and creates opportunities where their businesses can grow and thrive.” “The NCBIA is a great organization committed to the building industry in Northeast Ohio! Judie works tirelessly to maintain the good name and practices of the NCBIA!” “To support the industry that I make a living off of.” “Community commitment.” “Great people, great organization!” “This is a good way to connect with a ton of people that I would never have connected with and a great way to get a better feel for what is happening in the industry here in Northeast Ohio.” “Everyone in the residential construction industry deserves to spend some time and money to support their industry through their affiliated membership association.” “Being involved in the real estate world keeps you informed of the most recent activities in the community you are in and surrounding areas. Also keeps you involved the current legislation being presented in Columbus and the Federal level.” “Excellent communications and qualified professionals.” “Small community of similar expertise that I can go to as a great resource when needed.” “A necessary resource for our industry. Worthy of our support.”

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“Great group of people, with plenty of events and networking opportunities.” “The networking benefits alone are worth the price.”

Save up to 25% OFF BASE RATES

page 22

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August-September 2018

Build savings with a special offer for NAHB members. Register now and save 2%** on your Lowe’s® Accounts Receivable (LAR) or Lowe’s® Business Accounts (LBA) purchases. LowesForPros.com/NAHB

for NAHB members

HOW TO APPLY

Newly opened accounts that fax the downloaded application to 877-896-3839 will be automatically enrolled for additional 2%** savings.

Download an application at

LowesForPros.com/NAHB. *5% Discount: Subject to credit approval. Get 5% off your qualifying purchase or order charged to your Lowe’s® Business Account or Lowe’s® Accounts Receivable. Valid for purchases in US stores, on Lowes.com and LowesForPros.com. Customer must pay applicable sales tax. 5% discount will be applied after any other applicable discounts. Offer can’t be combined with other creditrelated promotional offers. Can’t be used in conjunction with: any other coupon; Lowe’s military discount; Lowe’s employee discount; Lowe’s low price guarantee; Lowe’s volume or special discount programs such as, but not limited to “QSP”; manager discretion price adjustments; contractor packs; or any other offer which expressly states it can’t be combined with any other discount credit offer. Can’t be used in conjunction with the following products and/ or services: extended protection/replacement plans; shipping, delivery or assembly charges; fees or taxes; gift cards; Dacor®, ICON®, Fisher & Paykel®, Monogram, Smeg or Liebherr appliances (some brands not available in all markets/stores), Weber or Kichler products. Excludes all Lowe’s® Canada Credit products. We reserve the right to discontinue or alter these terms at any time. ©2018 Lowe’s. LOWE’S and Gable Mansard Design are registered trademarks of LF, LLC. ©2018 NAHB. All rights reserved.

StephensDirect_LC_NAHB Member Advantage Brochure page 24 Ad 11-10-17.indd 2

**2% Discount: Cannot be combined with any other statement discount. To be eligible for the 2% discount, you must register your National Association of Home Builders affiliation and Lowe’s® Accounts Receivable (LAR) or Lowe’s® Business Account (LBA) account per the instructions provided, make a purchase with your LAR or LBA account by 12/31/18 and comply with all terms and conditions of your LAR or LBA account. Allow one to two complete billing cycles for your registration to be processed and for your discount to appear on your billing statement. 2% discount will be automatically deducted from your statement at billing (discount will not take effect until Synchrony Bank fully processes your account registration). Excludes Lowe’s® Advantage Card, Lowe’s® Visa® Accounts, Lowe’s Business Rewards Card from American Express and all Lowe’s® Canada Credit products. Account must remain open, be in good standing and not become delinquent at the time the statement credit is applied. *,**Offers valid in US stores, on Lowes.com and LowesForPros.com. Discounts applicable to commercial purchases only. Offers/ discounts provided by Lowe’s and not Synchrony Bank. Subject to credit approval. Lowe’s reserves the right to discontinue or alter these terms at any time.

www.ncbia.com

11/10/17 August-September 2018

12:32

1938-2018

Love Where You Bank! Nottforrproﬁt,,buttforrservice..Membershippopenntooanyoneewho lives,,works,,attendssschoollorrworshipssinnLorainnCounty.

Proudlyyservinggourrmembersssincee1938,,CommStarrCredittUnionnoﬀerssa fulllrangeeoffproductssanddservicessforryourrfamily,,yourrhomeeanddyourrbusiness!

www.commstar.org 440.365.7342 1.866.365.7345

NEW HOME BUYERS LIMITED WARRANTY BOOKS NOW AVAILABLE Warranty book Updated and Available FOR ONLY $22 EACH! In a binder so you can include other walkthrough documents, warranties, etc.

Email your order to judie@ncbia.com or call the NCBIA Office at (440) 934-1090

THANK YOU SPIKES!

STATESMAN SPIKE (500-999 SPIKE CREDITS) Bob Yost.......................Dale Yost Construction............................ 627.25 Calvin Smith...............Calvin Smith Builders............................. 592.50 SUPER SPIKE (250-499 SPIKE CREDITS) Mary H. Felton...........Fidelity National Title............................. 418.00 Terry Bennett...............Bennett Builders....................................... 298.25

Our SPIKES are Our FOUNDATION

ROYAL SPIKE (150-249 SPIKE CREDITS) Jack Kousma...............Kousma Insulation................................... 247.00 Chris Majzun Jr. .........Majzun Construction............................... 244.00 Bill Perritt....................Perritt Building Co................................... 223.50 Bucky Kopf..................Kopf Construction Corp......................... 196.00 Randy K. Strauss........Strauss Construction............................... 176.00 Bill Comerford............Hovey Kaiser Insurance Associates...... 174.50 Jeff Hensley.................Lake Star Building & Remodeling......... 164.75 RED SPIKE (100-149 SPIKE CREDITS) Tom Lahetta................Tom Lahetta Builders.............................. 144.50 Chris Majzun Sr..........Majzun Construction............................... 104.50 GREEN SPIKE (50-99 SPIKE CREDITS) Patrick Shenigo...........ShenCon Construction, LLC.................. 98.00 Thomas Caruso...........Carusoâ€™s Cabinets.................................... 95.75 Tom Sear......................Ryan Homes............................................. 92.25 Sara Majzun- Garwood.... BCT Alarm Services................................. 83.50 Mike Lapos..................Lapos Construction................................. 76.50 Chris Mead..................Maloney & Novotny, LLC...................... 71.00 Aaron Kalizewski.......Grande Maison Construction................. 60.50 Jason Scott...................North Star Builders.................................. 52.50 Ray Allen Thom..........Thom Concrete ........................................ 52.50 LIFE SPIKE (25-49 SPIKE CREDITS) Jeremy Vorndran........84 Lumber................................................. 36.00 Steve Schafer...............Schafer Development.............................. 30.50 Liz Schneider..............Dollar Bank............................................... 28.00 John Daly.....................Old Republic Title.................................... 25.50 BLUE SPIKE (6-24 SPIKE CREDITS) Tom Ostrander............84 Lumber Co........................................... 20.50 Jason Higgins..............Sunnyside Chevrolet............................... 18.00 Michelle Nowlin.........First Federal Savings of Lorain.............. 14.50 Ken Cassell..................Cassell Construction................................ 13.50 Jeff Lugar.....................ABC Supply Co........................................ 13.00 Chris Collins...............Carter Lumber Company....................... 12.50 Tami Lanphere............Town Money Saver.................................. 10.50 Keith Martin................MBD Homes............................................. 10.00 John Blakeslee.............Blakeslee Excavating............................... 8.00 John Wargo..................Mason Structural Steel............................ 7.50 Mike Chambers..........Charles, Morgan & Company................ 6.50 Mike Warden...............Chemical Bank......................................... 6.50 Scott Kosman..............Lakeland Glass......................................... 6.50

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August-September 2018

AUGUST 30, 2018 REPORT #13 BALDERSON VICTORIOUS IN CONGRESSIONAL SPECIAL ELECTION RepublicanTroy Balderson will serve out the remaining congressional term vacated by former US Rep. Pat Tiberi. After final batches of votes in two counties were made official, Democratic opponent Danny O’Connor conceded the race. However, the two candidates will have to run against each other again come November for the new term. With close to $7 million spent between the two candidates, election night ended with 1,754 votes separating the pair in Mr. Balderson’s favor. Last week, results were certified, confirming Mr. Balderson’s (R-Zanesville) narrow victory by 1,680 votes and his status as Ohio’s soon-to-be newest congressman. RCAC CODE PROPOSAL MOVES TO BBS At its last meeting, the Board of Building Standards (BBS) Code Committee reviewed the proposed code updates recommended by the Residential Construction Advisory Committee (RCAC). After some discussion on a few issues to be revisited by the RCAC, the BBS moved the updated package along in the rule making process. With another round of stakeholder comments, it is estimated the full BBS will have its public hearing later this fall. The most contentious discussions came from the review of the 2018 IECC. The RCAC voted to include several paths to achieve compliance with the energy provisions: a modified 2018 IECC, OHBA Alternative Compliance Paths, and an option for remodeling/additions to maintain current 2013 Energy requirements. To be clear, although the 2018 IECC is one of the compliance paths, the OHBA Option also remains, as well as, current requirements for remodeling work. HOUSE MEMBERS HOLDING UP HB 371, NOT LIKELY TO RETURN UNTIL AFTER ELECTION FOR LAME DUCK SESSION While ‘if needed’ session days have been canceled by both the House and Senate this month, it appears unlikely they will return to do much before November. After the November election, however, will be a different story. The lame duck session, before the newly elected administration and members take over in January, will bring plenty of action. During all of this, OHBA will continue to urge movement of HB 371 providing property tax relief. HB 371 still awaits a vote by the full House after many Republican members voiced opposition to putting it up for a vote. Working with the sponsor and leadership, OHBA has been making contact with those opposed to help explain what HB 371 really does, and the facts behind the need for such land development incentives. OHBA UPCOMING MEETING DATES Monday, November 12th - OHBA Partners for Progress, Hilton Easton, Columbus -This meeting is for Local EO’s and their incoming president. Tuesday, November 13th - OHBA Fall Meeting, Hilton Easton, Columbus Tuesday, November 13th - Best of Ohio Awards Presentation, Hilton Easton, Columbus Feel free to contact OHBA with any questions. Mardy Patel Executive Assistant Ohio Home Builders Association Direct Dial- 614/228-6648 Toll Free- 800/282-3403 ext. 1 August-September 2018

www.ncbia.com

page 27

800.810.3909 customerservice@ mynpp.com

New Priceline Offer NPP is proud to announce a new partnership with Priceline! SAVE up to 25% on ON SALE hotels across the globe when you bundle your travel expenses. Click below to learn more. Log in to NPP to save! Questions? Contact NPP. We’re happy to help.

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NPP members enjoy these winter savings and more!

Restrictions may apply.

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NCBIA Members Qualify Radnor® Hi-Viz Waterproof 2-in-1 Jacket

Carhartt® Thermal Lined Duck Active Jacket

Your employees can save up to 18% OFF Verizon monthly access fees, because you are an NPP member. Click below to sign up with our company passcode: 172BBEC2 Check out new phones like the

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Employees must register with NPP to access the discount. Then they will be forwarded to Verizon’s website. Carhartt® Acrylic Rib-Knit Watch Hat

Memphis Black Ninja® Coated Gloves

Taxes and surcharges will apply. All Verizon Wireless offers are for a limited time only and are subject to equipment availability. Verizon Wireless reserves the right to change or modify all offers at any time without notice. All terms and conditions are subject to and governed by Verizon Wireless’s Agreement with Customer including, but not limited to, Customer eligibility requirements. Every effort is made to ensure the accuracy of the Verizon Wireless offers; however, Verizon Wireless is not responsible for any errors or omissions. Restrictions may apply.

page 28

www.ncbia.com

August-September 2018

Vacant Land Available

Grafton

9615 Avon Belden Rd

$995,000

59.18

Information courtesy of Linda LaFleur. Please contact her or any of our Realtor Members (Information deemed reliable, but not guaranteed)

Grafton

Avon Belden Rd

$900,000

27.76

Grafton

Island Rd

$19,900

0.63

Grafton

S/L 2 Timber Ridge Rd

$85,000

1.54

Grafton

State Route 83

$899,900

116.94

Grafton

West Royalton Rd

$995,000

104

Huntington

West Rd

$80,000

8.35

Lagrange

540 William St

$26,000

0.45

Lagrange

712 Longstreet

$17,900

0.412

Lagrange

Diagonal Rd

$210,250

8.41

Lagrange

State Route 301

$144,000

19.1

Lorain

1060 Hamilton Ave

$9,500

0.06

Lorain

1227 West 15th St

$6,000

0.11

Lorain

317 Connecticut Ave

$6,999

0.14

Lorain

5010 Spalding Ct

$42,000

0.3

Lorain

Clinton Ave

$299,900

14.53

Lorain

Ridgeland St

$20,000

0.51

Lorain

West 9th St

$10,000

City

Address

List Price

Acres

Amherst

51201 Portman Rd

$155,000

16.62

Amherst Pyle

South Amherst Rd

$32,998

1.73

Amherst V/L

Heritage Way

$53,500

1.2

Amherst V/L

Rosecliff

$155,900

0.64

Avon

32135 Detroit Rd

$3,000,000

42.36

Avon

37600 Detroit Rd

$399,900

4.37

Avon

39474 Detroit Rd

$999,000

27.76

Avon

Mills & Jaycox NEC Rd

$699,000

13.59

Avon

Nagel Rd

$84,900

0.53

Avon Lake

Electric Blvd

$89,000

0.3

Columbia Station 10228 Station Rd

$97,000

2.405

Columbia Station 10284 Station Rd

$97,000

2.715

Columbia Station 10340 Station Rd

$94,000

1.834

Columbia Station 10496 Station Rd

$93,000

2.67

Columbia Station 10550 Station Rd

$90,000

3.414

Columbia Station 26475 Glencove Trl

$95,000

2.01

Columbia Station 26513 Glencove Trl

$95,000

2.211

Columbia Station Capel (A) Rd

$120,000

6.96

Columbia Station Capel (B) Rd

$120,000

6.96

Columbia Station S/L Folley Rd

$165,000

4.13

Columbia Station S/L Folley Rd

$165,000

4.13

Columbia Station S/L Folley Rd

$165,000

4.17

Columbia Station S/L Folley Rd

$165,000

4.17

Columbia Station South Boone Rd

$130,000

4.55

Columbia Station Springfield Cir

$99,000

2.101

Columbia Station West Bend CT

$109,900

1.28

Elyria

118 Columbia Ave

$25,000

0.11

Elyria

41903 Griswold Rd

$24,500

1.59

Elyria

42955 North Ridge Rd

$475,000

Elyria

8667 Oberlin Rd

$49,900

1.13

Elyria

8689 Oberlin Rd

$49,900

1.13

Elyria

8705 Oberlin Rd

$49,900

1.13

Elyria

8725 Oberlin Rd

$49,900

1.13

Elyria

907 West Ave

$2,000

0.1

Elyria

Bond St

$19,900

0.68

Elyria

Lorain Blvd

$300,000

0.15

Elyria

REAR GRISWOLD Rd

$55,000

Elyria

V/L 7 Grafton Rd

$39,900

1.6

Elyria

V/L Lake Ave

$1,250,000

47.88

Elyria

V/L Murray Ridge

$200,000

10.83

Elyria

V/L Murray Ridge

$500,000

Grafton

10240 Island Rd

$275,000

August-September 2018

North Ridgeville 4996 Lear Nagle Rd

$195,000

7.53

North Ridgeville 7691 Avon Belden Rd

$795,000

North Ridgeville Mckinley Ave

$15,000

0.289

North Ridgeville Orchard Ln

$15,000

0.115

North Ridgeville S/L 1 Fowlers Run Rd

$54,000

North Ridgeville V/L Center Ridge Rd

$232,400

3.56

Oberlin

Becker Rd

$55,000

2.58

Oberlin

U S Rt 20

$100,000

15.09

Oberlin

VL RT 58

$675,000

71.26

Sheffield Lake

532 Treadway Blvd

$15,000

0.33

Sheffield Lake

Holl Rd

$27,900

0.6

Sheffield Lake

V/L Edgewater Dr

$5,700

Sheffield Village French Creek Rd

$59,900

3.5

Sheffield Village Linda Ln

$23,900

0.75

Vermilion

3635 Elizabeth Dr

$49,900

0.356

Vermilion

3640 Jerusalem

$74,900

1.17

Vermilion

550 Sunnyside Rd

$200,000

6.425

Vermilion

580 Sunnyside Rd

$60,000

2.179

Vermilion

640 Sunnyside Rd

$53,000

1.875

Vermilion

660 Sunnyside Rd

$47,000

1.576

Vermilion

Altamont Rd

$19,900

0.07

Vermilion

V/L Cooper Foster Park Rd $42,900

1.005

Vermilion

V/L Ford Ln

$59,000

0.38

Vermilion

V/L Gore Orphanage Rd $90,000

5.44

Wakeman

Gore Orphanage Rd

$45,000

2.7

Wakeman

Gore Orphanage Rd

$45,000

2.72

Wellington

Hawley Rd

$160,000

26.08

Wellington

West Rd

$39,499

6.31

www.ncbia.com

page 29

2018

EVENTS C A L E N DA R

(All meetings held at NCBIA office unless otherwise stated)

13th - Clambake, Knights of Columbus, Oberlin Ave., Lorain 17th - General Membership Meeting / Election Night, Tomâ€™s Country Place, Avon

12th - OHBA Partners in Progress (EOâ€™s & Incoming President), Hilton Easton, Columbus 13th - OHBA Fall Board Meeting, Hilton Easton, Columbus 22nd - Thanksgiving (Office Closed)

5th - Executive Committee 3:30 pm / Board of Directors Meeting 5:00 pm 24th - Christmas Eve (Office Closed) 25th - Christmas (Office Closed) 31st - New Yearâ€™s Eve (Office Closed)

Young Professionals

Sales & Marketing

Board

General Membership

Industry Events

Membership Events

Member Advantage at a Glance www.nahb.org/ma

Amazon Business - Create an Amazon Business account and gain access to the NAHB Amazon store which offers recommended products tailored to your industry’s needs while unlocking additional business savings. Sign up here, www.amazon.com/NAHB Capital One Spark Business Card -With the Spark® Cash credit card, you’ll earn unlimited 2% cash back on every purchase—plus, there is no annual fee to use your card. Click here to learn more: https://captl1.co/NAHB Houzz –Free access to the concierge service, instant approval into the Houzz Trade Program giving trade-only discounts up to 50% off, plus special discounts on local advertising. Visit www.houzz.com/NAHBmembers FCA US LLC - A $500 cash allowance for members, employees and household family members. This offer is good toward many new models in the Chrysler, Dodge, Jeep®, Ram or FIAT® vehicle lineup and is stackable with most current local or national incentives. Visit www.nahb.org/fca to learn more. Lowe’s - Visit www.LowesForPros.com/NAHB or call 877-435-2440 and register to save 2% on your Lowe’s Accounts Receivable (LAR) or Lowe’s Business Accounts (LBA) purchases and free delivery on purchases over $500. Save an additional 5% every day at the store when you mention the 5% at time of purchase and when using your LAR or LBA. General Motors – General Motors is proud to offer NAHB Members a Private Offer of up to $1,000 on your next Chevrolet, Buick and GMC vehicle. Visit www.nahb.org/gm to learn more. UPS Savings Program & YRC Freight - UPS discounts of up to 36% on a broad portfolio of shipping services. Savings of at least 70% on lessthan-truckload shipments 150 lbs. or more with UPS Freight and YRC Freight. Visit www.1800members.com/NAHB or call 1800-MEMBERS (800-636-2377) for more information. GEICO - Exclusive NAHB discounts for members on auto insurance. Visit www.geico.com/disc/nahb or call 800-368-2734. Mention NAHB for auto, homeowners, and commercial auto quotes. 2-10 Home Buyers Warranty - Visit www.2-10.com/NAHB or call 855-280-1328 to receive exclusive access to discounts on select products, including the Builder Backed Service Program and the systems and appliances warranty. TSYS (formerly TransFirst) - Payment solutions with average savings of 16% per year. Web/mobile tools, credit card and eCheck processing and more. Free “Savings Analysis” call 800-613-0148 or visit www.tsysassociation.com/NAHB. Dell - Up to 30% off on all Dell computers. Call 800-757-8442 and Mention NAHB or visit www.dell.com/nahb. ConstructionJobs.com - NAHB offers a recruitment tool to all NAHB members in their search for new employees. NAHB members enjoy a 20% discount off standard rates. Visit: https://www.nahb.org/en/members/member-discounts/archived-webpages/nahb-career-center.aspx to connect with top talent and top employers in the construction industry today. Hertz - Up to 20% off on rental cars and FREE Gold Plus Rewards membership. Visit www.hertz.com/nahb, or call 800-654-2200 and use CDP# 51046. Avis - Up to 25% off car rental base rates and FREE Avis Preferred Service membership at www.avis.com/nahb, or call 800-331-1212 and use AWD code G572900. Budget - Up to 25% off car rental base rates and FREE Budget Fastbreak at www.budget.com/nahb, or call 800-283-4387 and use BCD code Z536900. Office Depot - Office Depot – Save up to 80% in-store or online. Free shipping on orders of $50 or more. Visit www.officediscounts.org/NAHB or call Jeremy Kirkland for assistance with your business account; 855-337-6811 Ext. 2897 Omaha Steaks - Save 10%, in addition to any online specials. www.OSincentives.com/promo/nahb TripBeat- 25% discount on over 200,000 vacation rentals worldwide. Call 844-367-6433 and mention NAHB at time of reservation or go to www.tripbeat.com/nahb. Wyndham Hotel Group - 15% off at over 7,400 hotels. Call 877-670-7088 and mention ID 8000002688. Go to www.nahb.org/ma and click on the Wyndham logo to find out more. FTD - 20% off floral arrangements and gifts at www.ftd.com/nahb or call 800-SEND-FTD use code 17421.

August-September 2018

www.ncbia.com

page 31

EARLY BIRDS!!!!

It’s time to reserve your booth space for the 2019

Home & Remodeling Show.

Act now and SAVE!!!!

Saturday, March 9th, 2019 9am-5pm Emerald Events Center 33040 Just Imagine Dr., Avon, OH 44011

#teamncbia

EXHIBITOR CONTRACT

$249 BOOTH SPACE

Company Name (as it will appear in show) __________________________________________

With deposit thru Dec. 15th 2018 Save $50

Contact Person (print) _________________________________________________________ Cell # _______________________________________________________________________ Primary Product(s)/Service(s) ___________________________________________________ Email address ________________________________________________________

$299 REGULAR PRICE BOOTH SPACE After December 15, 2018

Booth spaces are LIMITED and available on a 1st Come, 1st Served Basis! 2018 SOLD OUT - Act now to secure your booth!

BOOTH INFORMATION

Bag Sponsor:

Space allotted is 8’ wide x 10’ deep; includes a 6’ table with tablecloth and skirting Will you need electricity? _______ YES _______ NO Electric is optional and available on a 1st Come, 1st Served Basis! ______# of Booth Spaces

____________TOTAL AMOUNT DUE

I understand that I have contracted for exhibit space by signing this contract and I am liable for the full cost of the booth space. I also understand that the final location of space will be determined by show management upon receipt of a 50% deposit or payment in full. The undersigned represents that he/she is fully authorized to execute and complete this agreement. The undersigned also understands and agrees to the rules and regulations on the reverse side of this contract. A copy of this contract with booth assignment will be returned via email to confirm your reservation. Please sign both sides of this contract.

SPONSORSHIPS AVAILABLE!! CALL FOR MORE INFO! RESERVE YOUR SPACE TODAY CONTACT THE NCBIA www.ncbia.com (440) 934-1090 OR judie@ncbia.com

Authorized Exhibitor Signature Printed Name ___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC

Acct#_________________________________________________ exp. date______________________ crv #__________________ Address ______________________________________________ City _______________________ Billing Zip Code ____________ Authorized Signature___________________________________

**A $5.00 Convenience Fee will be charged for all Credit Card Payments

Office Use ONLY Booth Assigned# _____________ Total Cost _____________ Deposit _____________

Balance Due _____________

Questions, Call the BIA office at (440) 934-1090. Fax this form to (440) 934-1089 or mail to: NCBIA 5201 Waterford Drive, Sheffield Village, OH 44035

RULES AND REGULATIONS GOVERNING EXHIBITS MANAGEMENT: The North Coast Building Industry Association (NCBIA) shall be deemed Event Management and shall have all rights thereto assigned. (From here on the North Coast BIA will be referred to as NCBIA). NCBIA reserves the right to increase and/or decrease the size of any event and/or reassign Exhibitor space numbers prior to any event(s). CHARACTER OF EXHIBITS: NCBIA reserves the right to approve all exhibits. The exhibits and the distribution of promotional material shall be limited to the confines of the Exhibitor’s space. Under no circumstances shall any Exhibitor be permitted to attract attention to his/her exhibit in such a way as to distract or interfere with the other exhibitors. REGISTRATION: Exhibitors and their employees at the Event should wear a registration badge and/or tag for proper identification. SET UP/REMOVAL OF EXHIBITS: All exhibits must be placed and ready at the opening of the show and no movement of exhibits will be permitted until after the close of the show. Exhibits must remain intact until after closing of the show and be removed within such time as may be specified by the NCBIA. Strict compliance with move in and move out times is mandatory. A fine for late move in and/or early move out will be assessed at the discretion of the NCBIA. RAFFLES: No exhibitor other than Event Management shall conduct any game, lottery and/or similar activity unless authorized by the NCBIA. CARE OF EXHIBITS/AISLES: The NCBIA will maintain the aisles and exhibit areas in a clean condition. Aisles must be kept clear at all times. Seating for buyers must be confined within the exhibitor’s space. Exhibitors are requested at all times to cooperate with the NCBIA in maintaining all exhibits in perfect condition and to provide supervisory personnel at all times during exhibit hours. *In the event that the Exhibitor does not exhibit as provided herein or fails to comply in any respect with the terms of this agreement, the NCBIA management shall have the right without notice to the Exhibitor, to license the use of said space to any other company, enterprise, person or persons and the Exhibitor agrees to pay any deficiency, loss and/or damage sustained by the NCBIA as a consequence of such failure to occupy space as provided in this agreement. In addition, it is agreed that should the NCBIA be unable to license the use of said space as herein provided, it shall have the right to occupy said space for its own purposes without prejudice to its rights against Exhibitor pursuant to this agreement, including but not limited to the payment of a license fee. *Exhibitor will not sub license any part of the space herein provided for without the express written consent of the NCBIA. In the event the exhibit premises are destroyed or rendered unavailable for any reason whatsoever (whether before or during the scheduled exhibition), the rights of the Exhibitor under this agreement shall be limited to a pro-rated refund of the amount paid for the space licensed.

full at the time of registration. REFRESHMENTS: No sample food and/or beverage products may be distributed by exhibitors except upon written authorization of the NCBIA. COMPLIANCE WITH LAWS: Exhibitors must comply with all federal, state and local laws, regulations and rules that may be in force during the exhibit. INSURANCE: Exhibitors who desire insurance on their exhibits must procure same at their own expense. The NCBIA will not be responsible for any losses incurred by the Exhibitor or its employees because of theft, damage or for any cause whatsoever nor to any property of employee(s) or Exhibitor(s) while en route to or from exhibit. The Exhibitor agrees to make no claim for any reason whatsoever, including negligence, against the NCBIA or NCBIA management, its agents or employees while in the show quarters. Exhibitor agrees to indemnify and hold harmless the NCBIA against any loss, damage or expense (including reasonable attorney’s fees) act or omission of Exhibitor or its agents connected in any way with its exhibits. DECORATIONS, SIGNS, ETC: All equipment in conjunction with the exhibit must be provided by the Exhibitor. However, only the sign of the firm covered by the Exhibitor’s agreement may be placed in the booth or upon printed list of exhibitors or program. All decorations must conform to fire regulations. No exhibit is permitted that is more than eight feet high, or that obstructs other exhibits due to its design or size. PAYMENT DEFAULT: A service charge of 15% per month is applicable on all balances after 30 days. In the event any unpaid amount is placed for collection, client and/or agent agree to pay all collection costs, including reasonable attorney’s fees. REFUND POLICY: A partial refund will only be given with a minimum of 45 day’s notice prior to the event. The NCBIA retains the right to use their own discretion when deeming the reason for refund as a viable one to determine whether refund shall be granted. *The NCBIA shall have the right to make such rules and regulations in connection with the Exhibition as it may deem proper and may amend them at any time, and the NCBIA shall have the full power in the matter of interpretation and enforcement thereof. The rules and regulations heretofore referred to are printed on this agreement and are incorporated herein by reference. Exhibitor agrees to abide by said rules and regulations. *It is agreed that this instrument is a license, and not a lease, and that no leasehold or tenancy is intended to be or shall be created hereby. *This agreement cannot be varied, modified or canceled by the Exhibitor without the express written consent of the NCBIA.

DIRECT SALES: All direct sales vendors must make the payment for their space in

*IN WITNESS THEREOF, the Exhibitor has caused this application and agreement to be executed by authorized representative.

Signature of Exhibitor ___________________________________________________

Date___________________

Special AssociationDiscount for the North Coast Building Industry Association

SuperFleet Mastercard®

Association Fueling Program A fuel card program designed with associations in mind. EARN AN ADDITIONAL 10¢ PER GALLON!†

• Save 5¢ per gallon at Speedway locations • Over 2,700 fueling locations in the U.S. • Over 175,000 locations nationwide that accept Mastercard cards* • Custom card controls and increased security • Online reporting and account management

CUSTOMER NAME VEHICLE DESCRIPTION VEHICLE IDENTIFICATION

Call 1-844-821-0649 now to start earning your association savings today! Earn Speedy Rewards on eligible purchases at Speedway.

Be sure to reference the North Coast Building Industry Association for your special 10¢ discount.

†Limited time offer valid for new Speedway SuperFleet MasterCard applications received from 3/1/2018 through 3/31/2018. New approved accounts will earn 10 cents per gallon rebate on Speedway fuel purchases in the first six months after account opening. Rebates are cents per gallon based on the number of gallons purchased at Speedway locations per billing cycle. The maximum promotional rebate earnings are on 2,000 gallons per month regardless of billing terms. The SuperFleet Mastercard® is issued by Regions Bank, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. *Fees may apply