NCBIA June 2025 BUILDER Newsletter

BUILDER NORTH COAST BUILDING INDUSTRY ASSOCIATION

NEWSLETTER

ncbia, sheffield village, oh 44035

www.ncbia.com

Golf Classic 2025

Thursday, August 7th Sweetbriar Golf Course 750 Jaycox Road, Avon Lake

June 2025 - vol. MMXXV

8:00 AM

Registration, Breakfast & Range Open

9:00 AM

Opening Remarks

3:30 PM

BBQ & Awards

PRESENTING SPONSORs

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

5321 Meadow Lane Court - B Suite 23 Sheffield Village, OH 44035 Phone: 440.934.1090 info@ncbia.com | www.ncbia.com

NCBIA Staff

Executive Officer Judie Docs | judie@ncbia.com Executive Assistant LaBreeska Bellan | labreeskancbia@gmail.com Marketing Associate Ashlyn Bellan-Caskey | ashlynncbia@gmail.com

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.

NCBIA Life Directors

Jeremy Vorndran, 84 Lumber Tom Caruso, Caruso Cabinets Bob Yost, Dale Yost Construction Liz Schneider Dollar Bank Mary H. Felton, Guardian Title Jack Kousma, Kousma Insulation Jeff Hensley, Lake Star Building & Remodeling Dave Linna, Linna Homes & Remodeling Chris Majzun Jr., Majzun Construction Co. Chris Majzun Sr., Majzun Construction Co. Jim Sprague, Maloney + Novotny, LLC Randy Strauss, Strauss Construction Tom Lahetta, Tom Lahetta Builders, Inc.

2025 NAHB Delegate

This member represents our local industry in Washington DC

2025 NCBIA Officers President John Toth, Floor Coverings International Vice President Mike Meszes, DRC Construction Company Associate Vice President Melanie Stock, First Federal Savings of Lorain Treasurer Sara Majzun, Majzun Construction Company Secretary Jon Sherer, Ascent Custom Homes and Remodeling Immediate Past President Tim King, K. Hovnanian Homes

2025 NCBIA Board of Directors

Jason Scott, Greyhawk Development John Toth, Floor Coverings International (Alternate)

NAHB Senior Life Delegate

Randy Strauss, Strauss Construction

Ohio’s State Rep. to NAHB

Randy Strauss, Strauss Construction

OHBA 2025 President

Merle Stuzman, Weaver Custom Homes

OHBA Past President Randy Strauss, 1996

Sam Hudspath, All Construction Services Shannon Niebes, DryUNow Danielle Rendina, Granite Works Stone Design Maria Leali, Synchronous Solutions Jason Rodriguez, The S.J.R. Building Co. Theresa Riddell, The Nelson Agency Kevin Walker, Walker Wealth Managements

June 2025

2025 OHBA Trustees

Jason Scott, Greyhawk Development John Toth, Floor Coverings International Mary H. Felton, Guardian Title (Alternate) Jason Rodriguez, The S.J.R. Building Co. (Alternate)

OHBA Area 2 Vice-President

Ric Johnson, CAPS Builder & Right at Home Technologies

www.ncbia.com

page 3

10-11 Golf Classic

15

2025

REGISTRATION & Cancellation DEADLINE JULY 31, 2025

Your Name ______________________________________________ Company ________________________________________________ Team Captain's Cell Phone ___________________________ Golfer Registration – Single ______ X $150 Golfer Registrations – Foursome ______ X $ 600 Skins/Mulligan (Team Package) ______ X $ 60 BBQ Ticket Only (BBQ 3:00) ______ X $ 35 Sponsorship(s) (From Back Page) ______ Total Due $ ________ Golfer # 1 Name _________________________________ Company _________________________________________ Golfer # 2 Name _________________________________ Company _________________________________________ Golfer # 3 Name _________________________________ Company _________________________________________ Golfer # 4 Name _________________________________ Company _________________________________________

Member Mixer

9:00 AM

Opening Remarks

Thursday, August 7th Sweetbriar Golf Course 750 Jaycox Road, Avon Lake

(For outing information and weather delay updates)

July

8:00 AM

Registration, Breakfast & Range Open

3:30 PM

Catch the Summer Breeze and a Few New Connections!

BBQ & Awards

PRESENTING SPONSORs

NOTE : No one under 21 will be admitted. Keg beer, soft drinks & water will be available during the entire event. All other alcoholic beverages will be available as a CASH BAR.

Method of Payment: ___Payment Enclosed ___ Invoice ___Credit Card Card No. _________________________________ Exp._______________ CRV # __________ Zip Code ________________ Phone ____________________________ Email ____________________________ Name on Card __________________________ Signature ______________________________

Date & Time: Thursday, July 17th, 2025 5-7 PM

Thank you Sponsors!

Location: Lorain Brewing Company 500 Shipyard Way Lorain RSVP on our website here or call our office 440-934-1090 Cost: Free!!

Send Complete form via mail to 5321 Meadow Lane Court - B, Suite 23, Sheffield Village, Ohio 44035 or register online at www.ncbia.com Questions?

Call 440 - 934 -1090

A 3% CONVENIENCE FEE WILL BE CHARGED FOR All CREDIT CARD PAYMENTS SPONSORS DO NOT PAY CONVENIENCE FEE!

Rev 7/9/24 Rev 6/16/25

19

34

Table of Contents

6

Menu of Services

7-

Member News Save the Date

8-

Envision the Future of the NCBIA – We Need Your Voice!

2025 NCBIA President Article

9

More than 1,000 Housing Professionals Urge Congress to Act on Key Affordability Issues Executive Officers Report

10-11 -

NEW!!!

Annual Golf Classic Flyer

12 -

HBA Rebate Flyer

13 -

NEW!!!

2026 Home & Remodeling Show Sponsorship Flyer

15 -

NEW!!!

June Member Mixer Flyer

16 - Eye on Housing:

The Fed Pause Continues

18- Eye on Housing: U.S. Economy Added 139,000 Jobs in May

29 -

NCBIA Member Directory & Consumer Guide 2025

30-31

NEW!!!

2026 Home & Remodeling Show Flyer

32-33

2025 Calendar of Events

34

June Member Mixer Thank you & Photo Gallery

19 -

NEW!!!

General Membership Meeting/ Car Show Flyer

20 - Eye on the Economy: Uncertainty Weighs on 2025 Home Building Prospects

22-24 -

NEW!!!

NAHB Member Savings

26

Eye on the Economy: Trade Negotiations Adding Certainty to the Outlook

27 -

Thank you Spikes!

28 -

Thanks for Renewing!

Sorry to See You Go!

June 2025

www.ncbia.com

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This Builder Newsletter is sponsored by

HOW CAN WE HELP? North Coast Building Industry Association Menu of Additional Products and Services

Copies

Training Room

Black & White (8.5”x11”) Single-Sided 2-Sided

$0.10 $0.20

$0.15 $0.20

Black & (11”x17”) White

$0.50

Color (8.5”x11”) Single-Sided 2-Sided

$0.25 $0.50

Color (8.5”x14”) Single-Sided 2-Sided

$0.27 $0.52

Color (11”x17”)

$2.00

Design Services Graphic Design Services $35 per hour Contact Ashlyn Bellan-Caskey at ashlynncbia@gmail.com

North Coast Building Industry Association Menu of Additional Products and Services

Copies

Training Room

Black & White (8.5”x11”)

25 Seats Available

Single-Sided 2-Sided

$25 per hour

Black & White (8.5”x14”) Single-Sided 2-Sided

HOW CAN WE HELP?

$0.10 $0.20

25 Seats Available $25 per hour

Black & White (8.5”x14”)

Blueprint/Drawing Description

B&W

Color

D - Full Size 24x36 / 22x34 $1.32

$2.82

C - Half Size 18x24 / 17x22 $0.66

$1.41

B - Quarter Size 12x18 / 11x17 $0.47

$0.94

Warranty Books $50 each (plus shipping, if applicable)

Your New Home $10 each (plus shipping, if applicable)

Single-Sided 2-Sided

$0.15 $0.20

Black & (11”x17”) White

$0.50

Color (8.5”x11”) Single-Sided 2-Sided

$0.25 $0.50

Color (8.5”x14”) Single-Sided 2-Sided

$0.27 $0.52

Color (11”x17”)

$2.00

Design Services Graphic Design Services $35 per hour Contact Ashlyn Bellan-Caskey at ashlynncbia@gmail.com

Blueprint/Drawing Description

B&W

Color

D - Full Size 24x36 / 22x34 $1.32

$2.82

C - Half Size 18x24 / 17x22 $0.66

$1.41

B - Quarter Size 12x18 / 11x17 $0.47

$0.94

Warranty Books $50 each (plus shipping, if applicable)

Your New Home $10 each (plus shipping, if applicable)

NEED SOMETHING ELSE? JUST ASK!

NEED SOMETHING ELSE? JUST ASK!

For more information on any of these products & services, please contact the NCBIA Office at (440) 934-1090 or email judie@ncbia.com

For more information on any of these products & services, please contact the NCBIA Office at (440) 934-1090 or email judie@ncbia.com

*Subject to change

page 6

6/10/24

*Subject to change

www.ncbia.com

6/10/24

June 2025

Save the

Date!

Want to be a sponsor for any of these events? Let us know! Sponsor early to get maximum exposure!

Call or email Judie at judie@ncbia.com for marketing opportunities to help your bottom line!

Thursday, June 26, 2025

General Membership Meeting/Car Show 4:30 - 7:30 PM Avon Isle 37080 Detroit Road, Avon

Do you have some business news to share?

Business anniversaries, accomplishments, awards, publications, etc.? Send to judie@ncbia.com.

We want to hear from you!

Tuesday, July 8, 2025

Sales & Marketing Committee Meeting 11 AM NCBIA Office 5321 Meadow Lane Court - B, Suite #23 Sheffield Village, OH

Wednesday, July 9, 2025

Executive Committee Meeting 3:30 - 5 PM Board of Directors Meeting 5 - 6:30 PM NCBIA Office 5321 Meadow Lane Court - B, Suite #23 Sheffield Village, OH

Thursday, July 17, 2025 July Member Mixer 5 - 7 PM Lorain Brewing Company 500 Shipyard Way, Lorain

Thursday, August 7, 2025

NCBIA Annual Golf Classic 8 AM - 5 PM Sweetbriar Golf Course 5321 Meadow Lane Court - B, Suite #23 Sheffield Village, OH Check the website at www.ncbia.com for up-to-date changes, additions, and corrections to these events!

The Sales & Marketing Committee will be meeting on Monday, July 8th at 11:00 at the NCBIA office located at 5321 Meadow Lane Court – B, Suite 23, Sheffield Village.

If you would like to see what we are all about feel free to join us and see if you want to be a part of this committee.

The BuildPAC committee is looking for additional members if you would like to be a part of this vital committee to our industry email judie@ncbia.com Do you have some ideas for education classes or events? Are you interested in the latest rules and regulations for our industry? Love getting to know others at a mixer or honoring members for their achievements?

Then join a committee that interests you.

Committees are a simple way to volunteer your time, make a difference in the association, and get to know other members. Look over the committees https://www.ncbia. com/about/committees and decide which committee would be best suited to your time and talents.

We rely on member volunteers to lead our different events, functions, and goals. Being on a committee allows you to give back to your association and get to know each other better, all while spreading awareness for your own business! Members do business with members! We strongly encourage you to get involved in a committee to make the most of your NCBIA membership.

Watch out for our What’s Happening Wednesday eNews and our BUILDER newsletter distributed each month for upcoming scheduled meetings, and events, or email judie@ncbia.com for more information.

June 2025

www.ncbia.com

page 7

NCBIA 2025 PRESIDENT

ENVISION THE FUTURE OF THE NCBIAWe Need Your Voice!

John Toth Floor Coverings International Since 1944, the North Coast Building Industry Association (NCBIA) has proudly promoted and protected the local building industry through member-focused programs, networking opportunities, and government representation.

We work closely with government officials, the general public, businesses, and community organizations to support a thriving industry.

Our membership includes professionals from every corner of the building world—general contractors, remodelers, developers, architects, marketers, excavators, plumbers, electricians, and financial institutions. We also serve as a trusted resource to the public, offering valuable information and referrals to help ensure a positive construction experience.

Now, we’re planning for the future—and we want to hear from you.

Rather than reflecting on past successes or current challenges, we’re asking a different question: What do you want the NCBIA to look like in the future?

This is your opportunity to help shape what’s next for your association.

We know that our members get the most out of their NCBIA membership when they get involved—whether that's serving on a committee, attending events, or lending your voice to important conversations. Your involvement makes a difference—not just for the NCBIA, but for your business and our industry as a whole.

Your membership is a reflection of your professionalism, your commitment to excellence, and your dedication to our community. So tell us: • • •

How do you like to be involved?

What do you enjoy doing?

When would you prefer events to be held? Weekdays or weekends? Day or evening?

The NCBIA Executive Committee and Board of Directors are actively planning how to better serve our members, but we need your input to do it right. No idea is too small.

Please send your thoughts to judie@ncbia.com.

Let’s build the future—together.

page 8

www.ncbia.com

June 2025

EXECUTIVE OFFICER’S REPORT

MORE THAN 1,000 HOUSING PROFESSIONALS Urge Congress to Act on Key Affordability Issues

More than 1,000 builders, remodelers and associates engaged in all facets of the residential construction industry trekked to Capitol Hill today to urge their lawmakers to support policies that will help builders unleash the housing market by allowing them to increase the production of quality, affordable housing.

“Members of the housing community from across the nation have come to Washington for the National Association of Home Builders (NAHB) 2025 Legislative Conference to deliver an urgent message to their lawmakers: The best way to ease the nation’s housing affordability crisis and boost housing production is to break down the barriers that are impeding new home and apartment construction,” said NAHB Chairman Buddy Hughes, a home builder and developer from Lexington, N.C.

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

In more than 250 meetings with their representatives and senators, housing advocates urged lawmakers to act on three key issues that can have an immediate impact on housing affordability:

1. Energy Codes.

NAHB is urging Congress to pass legislation that would prevent the U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA) from requiring a minimum energy standard that raises housing costs and prices out potential buyers. HUD and the USDA have adopted and will implement the 2021 International Energy Conservation Code (IECC) and ASHRAE 90.1-2019 as the minimum energy-efficiency standards for certain single-family and multifamily housing programs. Compliance with the 2021 IECC can add more than $22,000 to the price of a new home, but in practice, home builders have estimated increased costs of up to $31,000.

Congress should also pass the Energy Choice Act, legislation pending in the House and Senate that would prevent state and local governments from banning the use of natural energy in new homes. A gas ban would exacerbate the housing affordability crisis by increasing costs on new homes, eliminate consumer choice and further strain America’s already stressed electrical grid.

2. Workforce Development.

To ease the severe construction labor shortage that is worsening the housing affordability crisis through higher home building costs and construction delays, lawmakers should pass the CONSTRUCTS Act, bipartisan legislation pending in both chambers of Congress that will help prepare adults for rewarding careers in construction and other essential trades. To further strengthen the federal government’s approach to workforce training, Congress should also implement reforms to the Job Corps program.

3. Tax Policy.

As lawmakers consider tax legislation, Congress should pass a tax package that: • • • •

Permanently extends pro-business and pro-housing policies from the Tax Cuts and Jobs Act, Provides more resources for affordable rental housing by expanding the Low-Income Housing Tax Credit, Addresses limitations placed on the state and local tax (SALT) deduction cap that burden home owners in high-cost areas, and Preserves long-standing energy tax incentives, especially the Section 45L New Energy Efficient Home Credit, the Section 25D Residential Clean Energy Credit and the Section 48E Clean Electricity Investment Act. Builders and remodelers have made significant business investments to comply with these credits, which offer a voluntary, costeffective pathway to improving energy efficiency. A sudden termination of these credits would undermine these efforts.

To highlight how housing is essential to the social fabric of the nation and is critical to the health of the economy, four leading members of Congress spoke to NAHB members before they conducted their Hill visits: House Majority Whip Tom Emmer

June 2025

www.ncbia.com

page 9

Golf Classic 2025

8:00 AM

Registration, Breakfast & Range Open

Thursday, August 7th Sweetbriar Golf Course 750 Jaycox Road, Avon Lake REGISTRATION & Cancellation DEADLINE JULY 31, 2025

Your Name ______________________________________________ Company ________________________________________________ Team Captain's Cell Phone ___________________________ (For outing information and weather delay updates)

Golfer Registration – Single ______ X $150 Golfer Registrations – Foursome ______ X $ 600 Skins/Mulligan (Team Package) ______ X $ 60 BBQ Ticket Only (BBQ 3:00) ______ X $ 35 Sponsorship(s) (From Back Page) ______ Total Due $ ________ Golfer # 1 Name _________________________________ Company _________________________________________ Golfer # 2 Name _________________________________ Company _________________________________________ Golfer # 3 Name _________________________________ Company _________________________________________ Golfer # 4 Name _________________________________ Company _________________________________________

9:00 AM

Opening Remarks

3:30 PM

BBQ & Awards

PRESENTING SPONSORs

NOTE : No one under 21 will be admitted. Keg beer, soft drinks & water will be available during the entire event. All other alcoholic beverages will be available as a CASH BAR.

Method of Payment: ___Payment Enclosed ___ Invoice ___Credit Card Card No. _________________________________ Exp._______________ CRV # __________ Zip Code ________________ Phone ____________________________ Email ____________________________ Name on Card __________________________ Signature ______________________________

Send Complete form via mail to 5321 Meadow Lane Court - B, Suite 23, Sheffield Village, Ohio 44035 or register online at www.ncbia.com Questions?

Call 440 - 934 -1090

A 3% CONVENIENCE FEE WILL BE CHARGED FOR All CREDIT CARD PAYMENTS SPONSORS DO NOT PAY CONVENIENCE FEE!

Rev 7/9/24

Marketing Opportunities

DOOR PRIZES & DONATIONS ACCEPTED: DROP OFF AT THE NCBIA OFFICE OR BRING TO THE COURSE

ALL SPONSORSHIPS INCLUDE: RECOGNITION AT THE OPENING REMARKS OF THE OUTING ALONG WITH YOUR COMPANY NAME AND/OR LOGO IN THE NCBIA BUILDER NEWSLETTER AND IN THE EVENT PROGRAM

2025

Golf Classic

Thursday, August 7 th

PRESENTING SPONSORship | $2,200 Includes 1 Complimentary foursome(W/BBQ Dinner) and Pink Ball & Mulligan Package Included Company name/logo on banner, placed, prominently at outing.

Presentation at 9AM Opening Remarks (Presented by the Sponsor)& Mic time Unlimited Sponsorships Available

Hole-in-one sponsorship| $tbd Includes the opportunity to sit at the hole-in-one hole with a partner/staff member to determine potential winner Total of 1 Sponsorship Available

golf cart SPONSORship | $1,500 Provides for signage on every cart used at the outing Includes 2 BBQ tickets for event Total of 1 Sponsorship Available

bbq sponsorship| $800 You may bring a banner to hang near the pavilion Total of 4 Sponsorships Available

scorecard sponsorship| $650 Includes company logo on all scorecards placed on the golf carts for event Total of 2 Sponsorships Available

Skill prize sponsorship| $500 Opportunity to sit at the hole with partner Includes company name/logo on sign at skill hole NCBIA will provide prizes to winner(s) Total of 4 Sponsorships Available

breakfast sponsorship| $300 Includes signage with company name at breakfast area Total of 1 Sponsorship Available

Photo sponsorship| $300

Provides foursome photos to be taken & mailed out following the outing to each golfer Includes signage with company name Total of 4 Sponsorships Available

Hole sponsorship (Sit on Hole)| $300 Includes signage with company name on golf course Total of 5 Sponsorship Available

Raffle sponsorship| $300 Announces the Winner of the 50/50 raffle during dinner Includes signage with company name on golf course Total of 1 Sponsorship Available

Pink Ball sponsorship| $300 Opportunity to sell pink balls for contest at registration Announce the Winner of Pink Ball During BBQ Dinner Includes signage with company name on course Total of 1 Sponsorship Available

keg sponsorship| $300 Includes signage with company name on golf course Total of 4 Sponsorships Available

Soft Drink SPONSORship | $175 Includes Signage with company name on golf course Total of 4 Sponsorships Available

On-Course Hole Sponsorship| $175 Includes signage with company name on golf course Unlimited sponsorships available Note:(non-members $225)

REV 6.13.25

SPONSORSHIP PACKAGES AVAILABLE FOR 2026 Event Sponsors:

Saturday, February 21st 9-5 Sunday, February 22nd 10-3 Lorain County Community College 1005 North Abbe Road, Elyria My company would like to sponsor the 2026 NCBIA Home Show. (Please select below)

EVENT SPONSOR Member: $2000 Non-Member: $2500

Everything on Supporting Sponsor list, PLUS radio interview, booth space and all printed advertising, mention in radio ads and option to have your company’s banner hung at show entrance!

Member Event Sponsor($2000)

Member Supporting Sponsor ($300)

Non-Member Event Sponsor ($2500)

Non-Member Supporting Sponsor ($500)

SPONSOR INFORMATION Company Name (as it will appear in show) ______________________________________ Contact Person (print) _____________________________________________________ Cell # ___________________________________________________________________ Primary Product(s)/Service(s) _______________________________________________

SUPPORTING SPONSOR

Member: $300 Non-Member: $500

Includes: mention in radio ads, your logo in event program, Facebook event page, slideshow during event, option to put promotional items in swag bag, and recognition in BUILDER newsletter.

Reserve your sponsorship today!

Email Address ___________________________________________________________

PAYMENT METHOD:

Please Indicate how you would like to pay for your sponsorship.

___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC*

*If you select credit card, our office will call for your card information.

QUESTIONS? CONTACT THE NCBIA www.ncbia.com (440) 934-1090 judie@ncbia.com

Supporting Sponsors:

Contact the NCBIA (440) 934-1090 Judie@ncbia.com 5321 Meadow Lane Court-B, Suite 23 Sheffield Village, OH 44035

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

Bag Sponsor:

Balance Due _____________ Rev. 6/2/2025

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The Nelson Agency, Inc. tmycps@oh.rr.com

Builders Risk and Installation Floater “Floater” coverage is for anything that floats, or moves from place to place — like your supplies and machinery. It also covers damage to the structures you’re working on, including scaffolding, foundations, and more. This has a limit of $5,000, with a $250 deductible.

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Portable Tools Coverage on your tools has a limit of $1,000 per tool, to a maximum of $2,500. It also has a $500 deductible.

The information referred to is not a policy. Refer to your policy for specific coverage.

© 2019 Hastings Mutual Insurance Company

page 14

SS-1 (10/19)

www.ncbia.com

June 2025

July

Member Mixer Catch the Summer Breeze and a Few New Connections!

Date & Time: Thursday, July 17th, 2025 5-7 PM

Thank you Sponsors!

Location: Lorain Brewing Company 500 Shipyard Way Lorain RSVP on our website here or call our office 440-934-1090 Cost: Free!!

Rev 6/16/25

EYE ON HOUSING

THE FED Pause Continues

R

eflecting most forecasters’ expectations for the June FOMC meeting, the Federal Reserve continued its post-2024 pause for federal funds rate cuts, retaining a target rate of 4.5% to 4.25%. The pause comes after a 100 basis point series of reductions in late 2024. Despite these cuts, mortgage rates have remained in the high 6% range.

The Fed also held unchanged its ongoing quantitative tightening program, which is more strongly focused on balance sheet reduction for mortgage-backed securities (MBS).

The Federal Reserve also published an update for its Summary of Economic Projections (SEP). Compared to its prior March projections, the Fed reduced its 2025 GDP forecast from 1.7% to 1.4% (year-over-year rate from the fourth quarter). During his press conference, Chair Powell linked policy uncertainty as a complicating factor for economic growth. Additionally in the SEP, the Fed slightly increased its 2025 forecast for the unemployment rate in the fourth quarter from 4.4% to 4.5%.

The central bank also increased its core PCE inflation projection for the final quarter of the year from 2.8% to 3.1%. During his press conference, Chair Powell noted that economic forecasters cited tariff policy as a contributing factor for a higher than expected level of inflation for 2025.

He specifically projected that a measurable amount of inflation will arrive to the economy this summer. There is some debate among economists whether tariffs would have just a one-time impact on the aggregate price level, which would not be inflation pressure felt over a sustained period of time, or would in fact be a factor increasing inflation as a series of price increases.

The Fed reaffirmed its policy commitment to achieve maximum employment and reduce inflation to a two percent target rate. During the 2025 policy pause, the Fed remains data dependent in a “wait and see” mode for developments in areas like tariff policy. Chair Powell noted that we learn more about tariffs later this summer. NAHB’s forecast incorporates two rate cuts from the Fed for 2025, one in the third quarter and one in the fourth quarter.

Looking forward to future monetary policy, the “dot plot” projections of the SEP leave the Fed forecasting two rate cuts in 2025, followed by just one reduction in 2026 and one more cut in 2027. This projection removes one rate cute from both 2026 and 2027 compared to the March dot plot, although the Fed continues to point to 3% as the long-run, terminal rate for the federal funds rate.

The Fed noted that economic activity continues at a “solid pace,” however swings in imports affected the first quarter GDP data. The central bank also stated that the unemployment rate remains low and inflation remains “somewhat elevated.”

I would note that the primary driver of this elevated inflation is ongoing high rates of shelter inflation, which reflect significant, underlying increases for residential construction costs for the post-covid period. During his press conference, Chair Powell cited that the housing market suffers from both long-run and short-run issues, involving affordability and a [structural] housing shortage.

In prior comments to Congress, Powell has noted that home builders face a perfect storm of challenges from both the demand- and supply-sides of the market. page 16

www.ncbia.com

June 2025

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EYE ON HOUSING

U.S. ECONOMY ADDED 139,000 Jobs in May

D

espite ongoing economic and policy uncertainty, the labor market remains resilient, though early signs of softening are beginning to emerge. Job growth moderated in May, and employment figures for March and April In May, were notably revised downward. The unemployment rate industries like remained at 4.2%. health care (+62,000), In May, wage growth remained unchanged. Year-over- leisure and year, wages grew at a 3.9% rate. Wage growth has been hospitality outpacing inflation for nearly two years, which typically (+48,000), occurs as productivity increases. and social assistance (+16,000) continued to see gains. Meanwhile, federal government lost 22,000 jobs in May and has shed 59,000 jobs since January 2025, reflecting the effects of government cutbacks. The BLS notes that “employees on paid leave or receiving ongoing severance pay are counted as employed in the establishment survey.”

National Employment According to the Employment Situation Summary reported by the Bureau of Labor Statistics (BLS), total nonfarm payroll employment rose by 139,000 in May, following a downwardly revised increase of 147,000 jobs in April. Since January 2021, the U.S. job market has added jobs for 53 consecutive months, making it the third-longest period of employment expansion on record. Monthly employment growth has averaged 124,000 per month in 2025, compared with the 168,000 monthly average gain for 2024.

The estimates for the previous two months were revised down. The monthly change in total nonfarm payroll employment for March was revised down by 65,000 from +185,000 to +120,000, while the change for April was revised down by 30,000 from +177,000 to +147,000. Combined, the revisions were 95,000 lower than previously reported.

The unemployment rate remained unchanged at 4.2% in May. Despite this stability, the overall labor force shrank with notable shifts. The number of employed persons decreased by 696,000, while the number of unemployed persons increased by 71,000.

Construction Employment Employment in the overall construction sector rose by 4,000 in May, following a downwardly revised gain of 7,000 in April. While residential construction lost 7,400 jobs, nonresidential construction employment added 11,300 jobs during the month.

Residential construction employment now stands at 3.3 million in May, broken down as 963,000 builders and 2.4 million residential specialty trade contractors. The six-month moving average of job gains for residential construction was -2,617 a month, reflecting job losses recorded in three of the past six months, specifically in January, March, and May of 2025. Over the last 12 months, home builders and remodelers experienced a net loss of 1,000 jobs, marking the first annual decline since September 2020. Since the low point following the Great Recession, residential construction has gained 1,360,600 positions.

In May, the unemployment rate for construction workers declined to 3.8% on a seasonally adjusted basis. The unemployment rate for construction workers has remained at a relatively lower level, after reaching 15.3% in April 2020 due to the housing demand impact of the COVID-19 pandemic.

Meanwhile, the labor force participation rate—the proportion of the population either looking for a job or already holding a job—decreased two percentage points to 62.4%. The overall labor force participation rate remains below its prepandemic levels of 63.3% at the beginning of 2020. Among individuals aged 25 to 54, the participation rate declined two percentage points to 83.4%. The rate for the prime working-age group (25 to 54) has been trending downward since peaking at 83.9% last summer.

page 18

www.ncbia.com

June 2025

SUMMER GENERAL MEMBERSHIP

CAR SHOW & MEETING THURSDAY, JUNE 26TH 2025

4:30-7 PM | AVON ISLE, 37080 DETROIT ROAD, AVON

Special Guest & Speaker Anthony (Tony) Gallo President/CEO Lorain County Chamber of Commerce

We're putting a new spin on our Summer General Membership Cookout — and we want to see your classic cars!

Attendee(s) Name(s) x $30 = Yes, I will bring a car

$30 MEMBERS PRICE

EVENT SPONSOR

Includes: Members, Family, Friends, Employees and Subs

SPONSORSHIPS AVAILABLE: EVENT SPONSOR $325 - INCLUDES 2 TICKETS DESSERT SPONSOR $250 - INCLUDES 1 TICKET DRINK SPONSOR $250 - INCLUDES 1 TICKET DASH PLAQUE SPONSOR $125 - INCLUDES 1 TICKET

*ONLY TWO AVAILABLE!!* AND PICK YOUR OWN CAR/COMPANY CAR TO PUT ON THE PLAQUE!

DESSERT SPONSOR

DRINK SPONSOR

DASH PLAQUE SPONSORS

For Reservations Email: labreeskabellan@gmail.com

REV 6/21/25

EYE ON THE ECONOMY

UNCERTAINTY WEIGHS ON 2025 Home Building Prospects

W

ith a negative first quarter GDP reading in the books, ongoing policy uncertainty and elevated interest rates are holding back home building activity as 2025 progresses. The 10-year Treasury rate is hovering near 4.5% on rising debt and deficit concerns and the 30year fixed-rate mortgage is near 7%, putting housing affordability conditions at a decade-plus low.

Builder confidence, as measured by the NAHB/Wells Fargo Housing Market Index (HMI), fell sharply in May, declining six points to a level of 34. However, 90% of the responses received in May were tabulated prior to the May 12 announcement that the United States and China agreed to slash tariffs for 90 days to allow trade talks to continue.

Nonetheless, overall actions on tariffs in recent weeks have had a negative impact on builders, as 78% reported difficulties pricing their homes recently due to uncertainty around material prices.

Housing starts increased 1.6% in April to a seasonally adjusted annual rate of 1.36 million units. Single-family starts decreased 2.1% to a 927,000 seasonally adjusted annual rate and are down 12.0% compared to April 2024.

On a year-to-date basis, single-family starts are down 7.1%. The multifamily sector increased 10.7% to an annualized 434,000 pace.

Total existing home sales fell 0.5% to a seasonally adjusted annual rate of 4.0 million in April. On a yearover-year basis, sales were 2.0% lower than a year ago.

At the current sales rate, April unsold inventory sits at a 4.4-month supply, up from 3.5 in April 2024.

Sales of newly built, single-family homes in April increased 10.9% to a 743,000 seasonally adjusted annual rate from a downwardly revised March number. The pace of new home sales in April was up 3.3% compared to a year earlier. A less volatile look at the market would be the year-to-date figures, which show new home sales are down 1.2% thus far in 2025.

The April data show new for-sale home inventory is leveling off near half a million, up just 1.6% from January and 8.6% higher than a year ago. At the current sales pace, new home inventory stands at an 8.1-month supply compared to 7.7 a year ago. When accounting for existing, single-family home sales (a market which is showing rising inventory levels), total new and existing home inventory as of April is at a 4.8-month supply — the highest in nearly 10 years.

With demand continuing to suffer from affordability concerns and macro uncertainty continuing, a growing number of local housing markets will see price declines for resale housing this year. Single-family home building activity will slow correspondingly.

page 20

www.ncbia.com

June 2025

Q2 2025 MEMBER SAVINGS PROGRAM

PERSONAL SAVINGS AT A GLANCE | nahb.org/savings

AUTO COMPANY BMW

GOODYEAR

SAVINGS Earn up to $1,500 on a new BMW or up to $500 on a new MINI Members must log into NAHB.org to save 15% on Goodyear Tires.

PRODUCTS

INFO

BMW

memberdeals.com/nahb/shopping. php?action=view&sub=bmw&login=1

Goodyear Tires & Services

nahb.org/goodyear

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TRAVEL & ENTERTAINMENT COMPANY

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AVIS

Save up to 30% off Avis PAY NOW rates when making a reservation with Avis Worldwide Discount (AWD) number G572900.

Rental Cars

avis.com/nahb 800-331-1212 AWD #G572900

BUDGET

Save up to 35% off Budget PAY NOW rates when making a reservation using Budget Customer Discount (BCD) number Z536900.

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budget.com/nahb 800-283-4387 BCD #Z536900

COSTCO WHOLESALE

Get a $20 or $40 digital Costco shop card when joining as a new Costco member.

Gift Card with Club Membership

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WALT DISNEY WORLD

Explore Walt Disney World Resorts at special member discounts

Theme Parks

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HERTZ

Save up to 25% on everyday base rates and additional program benefits with Hertz Gold Plus

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NAHB members can save up to 65% on hotel room rates at over 800,000 properties worldwide in more than 250 countries.

Hotels

nahb.hotelplanner.com 800-497-2175

MEMBER DEALS

Up to 50% off.

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memberdeals.com/nahb/?login=1 877-579-1201

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SAM’S CLUB

Save over 60% on a new membership plus receive travel and entertainment credit

SIRIUSXM

Get a free four-month trial to SiriusXM’s Platinum streaming

Music

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ELECTRONICS & SOFTWARE COMPANY

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DELL

Up to 40% off Dell computer servers, electronics & accessories. Free IT consultations for members.

Computers & Hardware

dell.com/nahb 800-757-8442

MICROSOFT OFFICE

Up to 90% discount on a one-time purchase of Microsoft Office Home & Business 2019 and 2021

Microsoft Apps

nahb.org/office

NAHB Members Saved over $40,000,000 last year *Discounts are as of 3/31/25 & subject to change at any time Visit nahb.org/savings for the latest deals & limited time offers.

Q2 2025 MEMBER SAVINGS PROGRAM

BUSINESS SAVINGS AT A GLANCE | nahb.org/savings

AUTO COMPANY

SAVINGS

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Save up to $500 on select vans, combinable with advertised sales incentives offered by Mercedes-Benz Vans.

Mercedes

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Goodyear Tires & Services

nahb.org/goodyear

GOODYEAR

Members must log into NAHB.org to save 15% on Goodyear Tires.

NISSAN

Save $900 to $11,000 on sedans, crossovers, SUVs and trucks.

Nissan

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RAM

Save up to $1,000 on select vehicles, stackable with advertised discounts offered by RAM

RAM

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FORD

Save $500-$5,000 on Ford Pro’s trucks, vans and SUV’s.

Discount stackable with local offers.

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HOLMAN

Members can receive a free first-month lease payment.

Vehicle leasing and fleet management

nahb.org/holman

BUILDING MATERIALS COMPANY

SAVINGS

PRODUCTS

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LOWE’S

NAHB members can save MORE with MyLowe’s Pro Rewards with Member Volume Discounts over $2,000, up to 10% off online and much MORE. Plus get 5% off every day plus 2% statement credit with a MyLowe’s Pro Rewards or Commercial Account Credit Card. See Lowes.com/Terms.

Building Materials

lowes.com/nahb 877-435-2440

COMPANY

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Save 12% on wireless. Extend discount to employees with Employee Work Perks program.

Cell Phones, Internet, Plans & More

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usbank.com/splash/ corporate-payments/transportation/ nahb.html

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NAHB Members Saved over $40,000,000 last year

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BUSINESS SAVINGS AT A GLANCE | nahb.org/savings

BUSINESS MANAGEMENT COMPANY DELL

SAVINGS Up to 40% off Dell computer servers, electronics & accessories. Free IT consultations for members.

ODP BUSINESS SOLUTIONS

Up to 75% off online regular prices on their Best Value List of preferred products. Plus, free shipping over $50.

HEARTLAND

Merchant processing and payroll solutions at reduced fees for NAHB Members.

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Computers & Hardware

dell.com/nahb 800-757-8442

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officediscounts.org/nahb 855-337-6811 x2897

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INDEED

Register a new account and get a $250 credit towards sponsored job postings.

Job Board and Hiring Resources

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MICROSOFT OFFICE

Up to 90% discount on a one-time purchase of Microsoft Office Home & Business 2019 and 221.

Microsoft Apps

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QUICKBOOKS

Save up to 50% on select new QuickBooks Online and QuickBooks Desktop Solutions.

Accounting and financial management

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RINGCENTRAL

Save 15% off monthly on a new RingCentral Office service.

Receive $50 off the list price on any RingCentral phone.

Current NAHB RingCentral users are eligible for discounts by calling and re-signing a 24 month agreement.

Message, Video & Phone

ringcentral.com/nahb 800-417 0930

UPS SHIPPING

Save 65% on domestic UPS Next Day and 42% on UPS Ground shipping.

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At least 75% off Less Than Truckload (LTL) shipping over 150lbs.

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PRODUCTS

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SAVINGS

NAHB INTERNATIONAL BUILDERS’ SHOW®

Up to $200 off show registration.

Up to $3.75 per sq. ft. off exhibit space.

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buildersshow.com

STRUCTURE PRODUCTIONS

Discounts on professional video and television production services.

Visual Media

structure-productions.com

NAHB CONTRACTS

Up to 30% off contract rates.

Legal

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HOUSINGECONOMICS

$100 off annual subscription.

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housingeconomics.com

Books

builderbooks.com

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BUILDERBOOKS ONLINE EDUCATION

10% off books. Up to 45% off research.

Up to 30% off webinars; Up to 50% off online courses.

*Discounts are as of 3/31/25 & subject to change at any time Visit nahb.org/savings for the latest deals & limited time offers.

Do you want to opt-out of our referral program?

Just email judie@ncbia.com

Your One Stop for Tile, Cabinetry, and Countertops www.sims-lohman.com

Avon Lake: 440.934.1751 Brooklyn Heights: 440.799.8285 Canton: 330.456.8408 Willoughby: 440.373.1195

EYE ON THE ECONOMY

TRADE NEGOTIATIONS ADDING Certainty to the Outlook

I

nitial trade arrangements with the United Kingdom and China are providing needed clarity for the international economic outlook. The U.K. deal illustrated that a 10% U.S. tariff wall may be where the Trump administration is pointing a new system. And with the U.S. facing an impending supply shock from a virtual embargo on Chinese trade, the recently announced framework between the two countries temporarily lowered trade barriers for 90 days and set a path for future negotiations. These actions reduced the tariff rate on Chinese goods from 145% to 30%. As a result, goods should again flow between the two countries, tamping down near-term economic output declines and inflation effects from disrupted supply chains.

This is a positive outcome, and stock markets have rallied as a result.

The timing is fortunate as well. With policy uncertainty at multi-year highs and survey data of economic conditions pointing to both slowing growth and rising inflation, these actions follow a weak reporting for first quarter GDP growth.

The economy contracted at a -0.3% growth rate, with a huge swing for imports as U.S. businesses sought to bring goods into the country before the effects of the (previously enacted and later suspended) “reciprocal” tariffs would be implemented. For an economy at stall speed, the best outcome would be for these reciprocal tariffs to never go into effect and for negotiations to continue to make progress toward reducing non-tariff trade barriers for U.S. exporters. This appears to be the outlook for now.

Aside from these tariff-associated risks, the U.S. economy is on a solid foundation. April data showed inflation continued to decline to a four-year low of 2.3%. Although shelter inflation remains too high at a 4% growth rate, that measure will improve with gains for housing supply.

The overall inflation rate of 2.3% is gradually nearing the Federal Reserve’s 2% target.

page 26

If the economic costs of tariffs can be avoided, the Fed should be in a position to further lower short-term interest rates in the third and fourth quarters. The Fed has been on pause for all of 2025 thus far, after cutting the federal funds rate by 100 basis points at the end of 2024. Lower rates would help housing supply by reducing upward pressure on builder AD&C loan rates.

Housing demand remains solid, although weakened due to elevated interest rates. Nonetheless, a healthy labor market is supporting demand for rental and forsale homes. The unemployment rate remains low at 4.2%, although hiring is expected to slow in the weeks ahead due to tariff uncertainty. Wage growth in the residential construction sector remains above trend at a 4.5% year-over-year growth rate.

Sentiment among residential construction firms has been weakening due to the macro uncertainties.

The NAHB Multifamily Production Index fell back to a negative reading of 44 after a half year of gains.

Single-family builder sentiment collected prior to the China trade arrangement will be announced this week.

The prior April reading showed a soft measure of 40.

However, with additional deals and further constraints placed on tariffs, the macro outlook should improve.

While this may raise long-term interest rates, the positive growth effect should provide a lift for the residential construction sector.

www.ncbia.com

June 2025

THANK YOU SPIKES! STATESMAN SPIKE (500-999 SPIKE CREDITS) Bob Yost......................... Dale Yost Construction............................... 709.75 Mary H. Felton............. Guardian Title.............................................. 563.50 SUPER SPIKE (250-499 SPIKE CREDITS) Terry Bennett................. Bennett Builders & Remodelers................. 305.75 Jack Kousma................. Kousma Insulation...................................... 300.50 Sara Majzun......................Majzun Construction Company................ 288.50 Chris Majzun Jr. ........... Majzun Construction Company................ 282.00

Our SPIKES are Our FOUNDATION

ROYAL SPIKE (150-249 SPIKE CREDITS) Bill Perritt...................... Perritt Building Co...................................... 225.50 Brett Kopf...................... Kopf Builders............................................... 207.00 Jeff Hensley................... Lake Star Building & Remodeling............ 189.75 Randy K. Strauss.......... Strauss Construction................................... 181.50 Tom Lahetta.................. Tom Lahetta Builders.................................. 178.50 RED SPIKE (100-149 SPIKE CREDITS) Jason Scott..................... Greyhawk Development, LLC................... 144.50 Dave Linna Sr................ Linna Homes & Remodeling..................... 139.50 Thomas Caruso............. Caruso Cabinets........................................... 118.75 Tom Sear........................ Ryan Homes................................................. 113.25 Patrick Shenigo............. ShenCon Construction, LLC...................... 113.00 GREEN SPIKE (50-99 SPIKE CREDITS) Jim Sprague................... Maloney & Novotny, LLC.......................... 99.00 Chris Mead.................... Maloney & Novotny, LLC.......................... 80.50 Tim King........................ K. Hovnanian Homes.................................. 77.50 Aaron Kalizewski......... Grande Maison Construction..................... 71.00 Jeremy Vorndran.......... 84 Lumber..................................................... 66.00 Liz Schneider................ Dollar Bank................................................... 59.00 LIFE SPIKE (25-49 SPIKE CREDITS) Steve Schafer................. Schafer Development.................................. 30.50 BLUE SPIKE (6-24 SPIKE CREDITS) Mark McClaine............. 84 Lumber..................................................... 23.00 John Toth....................... Floor Coverings International.................... 23.00 Dave LeHotan............... All Construction Services........................... 20.00 Chris Collins................. Carter Lumber.............................................. 16.00 Ken Cassell.................... Cassell Construction.................................... 13.50 John Blakeslee............... Blakeslee Excavating, Inc............................ 12.00 Scott Kosman................ Lakeland Glass............................................. 9.50 Mike Meszes................. DRC Construction....................................... 8.00

Tim Hinkle..................Green Quest Homes................................ 6.50

Jim Tipple...................... Maranatha Homes....................................... 6.50 Lindsay Yost Bott.......... Dale Yost Construction............................... 6.00 Lou LaGuardia............. Repros Engineering..................................... 6.00

June 2025

www.ncbia.com

page 27

Thank You for Renewing!

Sorry to See You Go! George Douzos, 5D Construction

Mark Bennett, Bennett Builders & Remodelers

Ed Machovina, Alexis Concrete Enterprises, Inc.

Terry Bennett, Bennett Builders & Remodelers

Jerry Caruso, Caruso Cabinets

Scott Kubit, Bob Schmitt Homes, inc.

Matt Herb, Fidelity Title

Doug Rogers, Dollar Bank

Chris Pintner, K. Hovnanian Homes

Daryl Wolfram, Electrical Accents, LLC

Chris Majzun Sr., Majzun Construction

Max Denny, J & M Custom Construction, LLC

John Daly, Network Land Title Agency

Connie Linkous, K. Hovnanian Homes

Terry Hawk, Network Land Title Agency

Jeff Hensley, Lake Star Building & Remodeling Michelle McClintic, Lorain County Joint Vocational School

Tyra Lehman, Network Land Title Agency

Paul Samek, Luxury Heating Company Jason Mitchell, Mitchell Woodworking, Inc. Jeremy Nichols, Nichols Construction, Inc. Nick Yarham, Northern Hammerworks, LLC Andrew Teetzel, Screenmobile of West Cleveland T.J. McAdams, Shamrock Development Company Jason Rodriguez, The S.J.R. Building Company Phil Truax, Truax Law Group

IMAGINE THE POSSIBILITIES There has never been a better time to be a Carter Lumber customer in the Cleveland/Akron area.

We now have even more resources to provide our customers with quality materials and exceptional service. We’re more than just a lumberyard!

Contact your nearest store location to see how having Carter Lumber as a part of your team can help you grow your business and your bottom line.

14601 Kinsman Rd. Middlefield, OH 44062 • (440) 834-8164 6199 SOM Center Rd. Solon, OH 44139 • (440) 248-5355 41625 Griswold Rd. Elyria, OH 44035 • (440) 934-5266 467 Center St. Chardon, OH 44024 • (440) 286-3833

172 N. Case Ave. Akron, OH 44305 • (330) 784-5441 3779 Manchester Rd. Akron, OH 44319 • (330) 645-6404 3725 Medina Rd. Medina, OH 44256 • (330) 725-6760 6320 N. Ridge Rd. Madison, OH 44057 • (440) 428-1110

carterlumber.com page 28

www.ncbia.com

June 2025

TWO DAY SHOW!!!!!

Saturday, February 21st 9-5 Sunday, February 22nd 10-3

EXHIBITOR CONTRACT Company Name (as it will appear in show) __________________________________________ Contact Person (print) _________________________________________________________ Cell # _______________________________________________________________________ Primary Product(s)/Service(s) ___________________________________________________ Email address ________________________________________________________

Lorain County Community College 1005 North Abbe Road, Elyria SPECIAL EARLY BIRD PRICING FOR MEMBERS ONLY (SAVE $100)!

$325 Booth Space - MEMBERS ONLY AFTER June 30 2025, $425

Booth spaces are LIMITED and available on a 1st Come, 1st Served Basis!

2025 SOLD OUT - Act now to secure your booth!

BOOTH INFORMATION

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 when payment is made 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.

Authorized Exhibitor Signature Printed Name

Sponsorships Available Call for More Info!

Showcase Your Business

PAYMENT METHOD:

Please Indicate how you would like to pay for your booth space. ___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC*

**A 3% Convenience Fee will be charged for all Credit Card Payments

*If you select credit card, our office will call for your card information.

Please send completed form to Judie@ncbia.com or 5321 Meadow Lane Court - B, Suite 23 Sheffield Village, OH 44035

Event Sponsors: Our Biggest Consumer Event of the Year!

Over 1000 Local Consumers Expected

Questions? Contact the NCBIA at (440) 934-1090

Supporting Sponsors:

Bag Sponsor: Rev. 6/2/2025

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 Building Industry Association will be referred to as NCBIA).

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: Exhibitors are encouraged to conduct games, lotteries and/or similar activities to increase patron participation, so long as it does not interfere with the other exhibitors.

CARE OF EXHIBITS/AISLES: 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 appropriate condition. *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.

DIRECT SALES: All direct sales vendors must make the payment for their space in 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 or that presents a safety hazard to other exhibitors and/or attendees.

PAYMENT DEFAULT: Payment must be made prior to event set up.

REFUND POLICY: A partial refund will only be given with a minimum of 45 days 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. *IN WITNESS THEREOF, the Exhibitor has caused this application and agreement to be executed by authorized representative.

Signature of Exhibitor ___________________________________________________ Date___________________

2025 Calendar of Events rev 6/31/25

June 12th 18th National Homeownership Month

June Member Mixer 5-7 pm

Captain's Club, 232 Park Avenue, Amherst

Board of Directors' Planning Session 5-7 pm

NCBIA Office, 5321 Meadow Lane Court - B, Suite 23, Sheffield Village

24-25th- Wooster, OHBAOH Summer Board Meeting 26th -

General Membership Meeting/Car Show 4:30-7:30 pm

Avon Isle, 37080 Detroit Road, Avon

July 4th 9th -

Independence Day - Office Closed Executive Committee Meeting 3:30-5 pm Board of Directors Meeting 5-6:30 pm

NCBIA Office, 5321 Meadow Lane Court - B, Suite 23, Sheffield Village

17th-

Aug

7th -

Annual Golf Classic - 8-5 pm

19-21st-

NAHB Association Management Conference

Sept 6th 1st -

Associate Member Appreciation Month

July Member Mixer 5-7 pm

Lorain Brewing Company, 500 Shipyard Way, Lorain

10th -

Sweetbriar Golf Course, 750 Jaycox Road, Avon Lake Atlanta, Georgia

Labor Day - Office Closed Softball Game & Picnic 2-5 pm

Amherst Township Park, 44786 Middle Ridge Road, Amherst Township

Executive Committee Meeting 3:30-5 pm Board of Directors Meeting 5-6:30 pm

NCBIA Office, 5321 Meadow Lane Court - B, Suite 23, Sheffield Village

2025 Calendar of Events

Oct

15th -

Careers in Construction Month

23rd -

Nov

11th -

Spike Appreciation Month

19th -

October General Membership Meeting/Election & Product Night 5-7 pm TBD

BuildPAC Wine Pairing Dinner 5:30 pm Coles Public House, 209 South Main Street, Amherst

OHBA Fall Board Meeting

Hilton Easton, Columbus

Executive Committee Meeting 3:30-5 pm Board of Directors Meeting 5-6:30 pm

NCBIA Office, 5321 Meadow Lane Court - B, Suite 23, Sheffield Village

27-28th- Thanksgiving - Office Closed

Dec

11th-

Ugly Sweater Christmas Party 2025 5-7 pm Captain’s Club, 232 Park Avenue, Amherst

24-25th- Christmas - Office Closed 31st -

New Year's Eve - Office Closed

June Member Mixer

PHOTO GALLERY

page 34

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June 2025

Save 8 cents per gallon!1

The 7-Eleven

Commercial Fleet Mastercard ®

Simplify Fleet Management. Maximize Savings.

Designed for mid-sized to larger fleets, the 7-Eleven Commercial Fleet Mastercard® offers the flexibility of fueling anywhere that accepts Mastercard® in the U.S.2 Simplify your fleet management with customizable reports that give you real-time insights into spending and driver activity, all while earning rebates on every purchase.1

Convenience Accepted at your favorite 7-Eleven, Speedway & Stripes locations and anywhere Mastercard®is accepted in the U.S., regardless of fuel brand.2 Your go-to convenience store for food, snacks, hot and cold beverages, gas and so much more. Generally open 24 hours a day.

Rebates & Savings

Manage your account online, in real-time.

Security & Fraud Controls

Save 8 cents per gallon

Use card prompts to help prevent misuse.

Set card controls online.

at 7-Eleven, Speedway & Stripes locations1

Online Control & Visibility Customize and download detailed cost and performance reports monthly or in real-time.

Monitor transactions online.

For industry-leading service & support, contact your Account Manager!

Phone

404-438-0471

Email

Name

Reginald Ray

reginald.ray@corpay.com

1 Limited time offer for new 7-Eleven Commercial Fleet Mastercard® applications received from 06/11/2025 through 12/31/2025. Receive an 8c per gallon rebate at 7-Eleven, Speedway & Stripes branded locations. Rebates are cents per gallon based on the number of gallons purchased at 7-Eleven, Speedway & Stripes locations per calendar month. Not valid on aviation, bulk fuel, propane or natural gas purchases. To receive rebates, invoice must be paid on time. Rebates subject to change beginning 12 months after account setup.

2 Fuel purchases at locations other than 7-Eleven, Speedway or Stripes are subject to an out-of-network transaction fee.

Please see Client Agreement – at http://www.7-elevenfleet.com/terms/7-Eleven-mc – for rate, fee and other cost and payment information.

The 7-Eleven Commercial Fleet Mastercard® is issued by Fifth Third Bank, National Association, pursuant to a license by Mastercard® International Incorporated. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.

Subject to credit review and approval ©2025 Corpay, Inc. P.O. Box 1239, Covington, LA 70434

Earn cents per gallon for the first six months!

1

The 7FLEET Diesel Network Mastercard ®

Fueling Your Fleet for the Road Ahead.

Perfect for diesel fleets that rely heavily on high speed truck diesel lanes for fuel. The 7FLEET Diesel Network Mastercard® offers significant discounts on diesel at the over 392 locations that make up the 7FLEET Diesel Network as well as discounts on commercial truck lane diesel across the AMBEST network.2

Convenience Accepted at your favorite 7-Eleven, Speedway & Stripes locations and anywhere Mastercard® is accepted in the U.S., regardless of fuel brand.3

Savings & Rebates

Manage your account online, in real-time.

Simple online access.

Security & Fraud Controls

Earn ¢ per gallon for the first six months! 1

Use card prompts to help prevent misuse.

Set card controls online.

Save an average of 34¢ per gallon2

Online Control & Visibility

on truck diesel lane gallons fueled in the 7FLEET Diesel Network.

Customize and download detailed cost and performance reports monthly or in real-time.

Monitor transactions online.

Contact your sales representative today!

Name

Phone

Email

1. Limited time offer for new 7FLEET Diesel Network Mastercard® applications received 03/15/2025 through 06/30/2025. Earn a 7¢ per gallon rebate on every gallon purchased at 7-Eleven, Speedway or Stripes locations for the first 180 days after account setup. Not valid on off-road diesel, aviation, bulk fuel, propane or natural gas purchases. To receive rebate, invoice must be paid in full and on time. Rebates subject to change beginning 12 months after account setup.

2. Average savings of 34¢ per gallon in the 7FLEET Diesel Network based on actual 7FLEET Diesel Network client transactions for Q4 of 2024. Visit www.7fleetnetwork.com/locations for a full listing of 7FLEET Diesel Network sites. Truck lane diesel transactions made with the 7FLEET Diesel Network Mastercard® at AMBEST Travel Center locations will receive a Cost Plus discount when purchased at the truck lanes. Visit https://am-best.com/Travel-Centers/Location-Map for a full listing of AMBEST sites. Not valid on unleaded, aviation, bulk fuel, propane, natural gas, or non-truck lane diesel purchases.

3. Fuel purchases at locations other than 7-Eleven, Speedway or Stripes locations are subject to an out-of-network transaction fee.

Subject to credit review and approval.

Please see Client Agreement at www.7-elevenfleet.com/terms/7-Eleven-dn for rate, fee and other cost and payment information.

The 7FLEET Diesel Network Mastercard® is issued by Fifth Third Bank, National Association, pursuant to a license by Mastercard® International Incorporated. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated. © 2025 Corpay, Inc., P.O. Box 1239, Covington, LA 70434