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December 2016 Issue 12 of 12 Official Publication of the Ozark Gateway Association of REALTORS Ozark Gateway Association of Realtors www.theogar.com

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Page 1: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

December 2016 Issue 12 of 12

Official Publication of the Ozark Gateway Association of REALTORS

Ozark Gateway

Association of Realtors

www.theogar.com

Page 2: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Page 2

OZARK GATEWAY

ASSOCIATION

OF REALTORS

Inside this issue:

Page 2

UPcoming EVENTS 2

Agents on the Move 3

December Board Store Special

The CE Shop—Ethics Courses Coupon

Birthdays 4

MLS Statistics 5

MO REALTORS Statistics 6

MREC Audits & Complaints 7

Canned Food Drive 8

Local Leadership Academy—

Session #1

Board of Directors Minutes 9

2017 Committee Roster 10-11

Installation Banquet 12

SMB Christmas Open House

Merry Christmas from OGAR Staff

App of the Month 13

MAR Directors

MREC Commissioners

Leadership

US Bank News Release— 14

Vicki Daniels Chew

Real Estate Humour

712 S Florida

Joplin, MO 64801

417-782-6161 ph

417-782-5212 fx

www.theogar.com

Dec 1: Lunch & Learn by US Bank 11:00am—1:00pm Dec 7: Local Leadership Academy 8:30am—12:30pm Dec 8: Finance Mtg 10:00am MLS Mtg 11:00am Program Mtg 1:30pm Dec 14: ListHub Breakfast Class for Brokers & Agents 9:30am Dec 15: Board of Directors 9:30am

DECEMBER

Dec 19—20: Studio 16— Professional Photography appointments Dec 23: OGAR Close at 12:00pm Dec 25: MERRY CHRISTMAS! Dec 26: OGAR CLOSED Dec 30: OGAR Close at 12:00pm Dec 31: New Year’s Eve Jan 1: HAPPY NEW YEAR! Jan 2: OGAR CLOSED

2016

Platinum Affiliate Member

uniontransferjoplin.com/

Page 3: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Agents on the

Move

New Members:

Rita Scott—Pro 100 Joplin

Hunter Blount—Smith Midwest

Jill Childs—Keller Williams

Shelby Keefer—Keller Williams

New MLS—Only Members:

Paul Rakowski—Owners.com

New Offices:

None

New Offices—MLS Only:

None

New Affiliates:

None

Drops:

Jan Brown—Pro 100 Joplin

David Stinnett—GB Realty

Talison Davies—Charles Burt

Julia Townsend—Keller Williams

Transfers:

Mischele Pooler to Crye-Leike

Terry Pooler to Crye-Leike

2016 Platinum Affiliate Member

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Check it Out! We have a variety of signs, riders,

stakes and brochure boxes

Page 3

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for a 20% savings on

Continuing Education!

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December

Board store special

Page 4: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Page 4

DECEMBER BIRTHDAYS 1st: David Greninger Jim Lane 2nd: Brooke McMullen Susan Park Hunter Perry 3rd: Cynthia Butler Victor Coggin Tanya Rice 5th: Leslie Marrs Christine Yunek 6th: Sarah Clevenger Jeanne Miller Jordan Reynolds 7th: Becci Sanders 9th: Scott Binns 10th: Michael Heifner Sally Nichols 12th: Brenda Murray

13th: Gary Garvin Regina Sharp Michael Wicklund 14th: Dominic Willis 15th: Linda Frazier Kysha Lansaw Randy Wright 16th: Lou Ann Cook Sam Morton 17th: Allen Deitz Jeff Maxwell LaVaine Murphy 18th: Christina Nichols 19th: Shannon Chew 20th: Mike Mellinger Mike Scott 21st: Debbie Barlos

22nd: Cheryl Barley Shawna Lamb 23rd: Sarah Vonderhaar 24th: Nancy Hailey 25th: Walter Hayes 26th: Lisa Nichols John Zibert 27th: Donny Allen Jim Hembree Catherine Johnston 28th: Julie Campbell Evelyn Harmon 29th: Galen Carter Wes King 30th: Ben Davis Dale Jones Melissa Osborne JoAnn Powell

1st: Susan Boyer 5th: Ron Franklin Jay Goodan Irene Young 8th: Larry Allgood Carolyn Wyatt 9th: Bob Garvin Cindy Moore 10th: Kent Neil Sandy Wells 12th: Brenda Phipps 13th: Christina Higdon-Wallace

14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie Larson 20th: Annette Henderson 21st: Alicia Blagg

23rd: David Houston Daryl Weinkein 25th: Heather Edge Don Gunther Chris Nickle Kelly Williamson 27th: Jessica Hubbard 28th: Phil Erwin 30th: Hunter Blount 31st: Angie Glenn Richard Latham Lana Nelson

**Important Lockbox Information** and

**Helpful Lockbox Information** Flyers are included on the OGAR flexmls Dashboard in the MLS Links section.

Please keep these for your review; how to assign your lockbox to a listing and many day-to-day

rules, procedures and fees are outlined in these handy flyers.

JANUARY BIRTHDAYS

Page 5: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Page 5

OCTOBER RESIDENTIAL SALES TRENDS Figures are taken from a comprehensive report compiled monthly

By the MLS Service of the Ozark Gateway Association of REALTORS®, Inc.

Number of Units SOLD Number of Units FINANCED

Total Number of Active Listings– 1,528

1-30 Days: 26 31-60 Days: 54 61-90 Days: 50 91-120 Days: 36 120+ days: 74 Total Units Sold: 240 Avg. DOM: 107

Avg. Sold Price: $122,454 Median Sold Price: $106,075 Absorption Rate– 7.23 months

Year Total 1-2 Bed

3 Bed

4+ Bed

Conv. FHA VA Cash Own Lease Purch

RD Other

2012 2238 401 1313 524 709 242 87 757 21 4 377 39

2013 2312 410 1363 539 777 173 78 765 17 3 464 36

2014 2416 460 1389 567 996 197 108 698 23 1 343 50

2015 2473 437 1483 553 952 402 108 722 10 52 187 33

Oct 2015

208 42 125 41 68 36 12 61 0 6 18 7

Oct 2016

240 36 148 56 79 53 11 65 1 7 22 2

Agent Type Count Designated REALTOR 70 Designated Appraiser 51 REALTOR® 421 Associate Appraiser 10 Salesperson 14 Waiver 1 Designated Affiliate 44 Associate Affiliate 47 Total Board/ MLS: 567 (minus affiliates) Total Board w/Affiliates: 658

MLS STATISTICS

Page 6: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Page 6

Page 7: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Page 7

Page 8: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

2016 Canned Food Drive 7,940 Items Donated to 5 Local Charities!

Cerebral Palsy of Tri-County *Lafayette House Salvation Army *Souls Harbor Watered Gardens *46,500 Items Donated in the Past 4 Years!!

Local Leadership Academy Session #1

Presentations were given by the

OGAR Board President, Staff and

Committee Chairs

Students: Courtney Denney, Melody

Lowery, Robert Dodson, Morgan

Sprouls, Jennifer Harvey, & Michael

Wicklund

Page 8

Page 9: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Board of Director’s Minutes Page 9

Ozark Gateway Association of REALTORS® - Directors Minutes 9:30 am; Thursday, November 17th, 2016 Present: Spencer Aggus, Seth Dermott, John Yaple, Jennifer Reaves, Ron Franklin, Danny Ross, Chris Nickle, Brandi

Haddock, Dave McGarrah, Forrest Stodghill, and Allen Hall Staff Present: Kim Cox Roll call was taken by sign in. Meeting was called to order by Spencer Aggus, President. Prayer was spoken by Dave McGarrah. Motion was made to approve Agenda as emailed. Jennifer Reaves, Officer/Treasurer 1. Received financials for October 2016 as emailed. Motion made and approved to accept financials for October 2016 and YTD. 2. Reviewed Edward Jones portfolio. No recommendations or motions made. 3. Motion made accept the proposed budget for 2017 as presented. Allen Hall, MLS Chair 1. Motion made to post the following message: Agents; Please be aware, you CANNOT advertise listings without a seller signed listing contract. 2. Kim showed the board that the “OGAR Bulletin Board” has just been added. A “how-to” will be sent to members to show how to set up. Spencer Aggus, President’s Report 1. Leadership Luncheon & Orientation will be January 5th from 11-1 at Mytho’s. Kim Cox, AE’s Report 1. Concerns about listings being input and then cancelled, instead of being properly closed. Research with NAR being done. 2. Safety issue; Vagrants found at a listing in Neosho; Listing withdrawn from MLS for safety. Seth Dermott, President-Elect’s Report 1. Strategic Planning – Completed for the year. 2. Program & Events – Reviewed minutes, no motions made. 3. Governing Docs – Several motions are being made in the following actions; a. Motion made that OGAR will continue to pay the $1195 tuition into the MR Leadership Academy for members that get accepted, and adding into Policy: if a member does NOT graduate, they will be required to pay the board back the full reimbursement of $1195; As for NAR Leadership Academy; the tuition of $1000 will be paid (within 30 days) for each accepted member and the same ruling will apply, if the member does NOT graduate, they will be expected to pay

the board back the full reimbursement of $1000 (within 30 days of graduation date). b. Motion to update the following current Policy under Article XII – MEETINGS, Section 2. The BOD shall designate a regular time and place of meetings. Absence from any three regular meetings without an excuse deemed valid by the BOD shall be construed as a resignation. A quorum for the transaction of business shall be majority of the BOD, except as may otherwise be required by state law. CHANGING THE RULE TO READ: The BOD/AE/COMMITTEE CHAIR shall designate a regular time and place of meetings for each committee as needed. A quorum for the transaction of business shall be majority of the committee, except as may otherwise be required by state law. Absence from any three regular meetings shall be cause to be reviewed, on a case by case basis per committee, for a possible recommendation to the Board of Directors of whether that member shall remain on said committee; The BOD is also

considered a committee. c. Motion made to update the existing scholarship application to include “trade schools” behind the word “college” on the “How to Apply” line. The committee recommended that the BOD pay out the $1500 in scholarships for this semester for 5 applicants at $300 per student; The BOD agreed that the dollar amounts must remain either $250 for part-time student or $500 for full-time students. A motion was made to pay a full-time scholarship of $500 to each of the approved students for a total of $2500 for this semester; the committee will be notified that they need to make sure and follow only the set amounts on the

approved applications. 4. Membership & Community Services – See attached minutes. A motion was made and seconded to approve the conditional memberships as listed below: New Agents/Appraisers/Offices:

Christina Gibby – Charles Burt Jan Shafer – Keller Williams Murphy Alvis – Pro 100 Joplin New Affiliates:

Vicki Daniels Chew John Yaple, Vice President’s Report 1. Awards – Completed for the year. 2. RPAC/RPIC – Completed for the year; monies need to be turned into MR by December 8th at the latest. 3. Technology & Teaching – Completed for the year. 4. Nominating – Completed for the year. 5. Local Leadership Academy – 2017 students completed their first session on November 9th. Recurring Business: 1. Accounts past due presented. 2. Building Task Force to meet in December. New Business: 1. None.

All the above motions passed with majority vote. Meeting adjourned.

Page 10: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

2017 COMMITTEE ROSTER GOVERNING DOCUMENTS: TECHNOLOGY:

Cheryl Barley, Chair – Remax Joplin Kalan Hubbard – Keller Williams

Arlisa Arwood, Vice Chair – Charles Burt Joplin Forrest Stodghill, Vice Chair – Crye-Leike

Levi Utter – Smith Midwest Rachel Moffett – Smith Midwest Mark Stephenson – Keller Williams Amber Grantham – Remax Classic

Janis McGrew – Charles Burt Joplin Bonnie Behrend – Keller Williams

Lori Lanier – Realty Executives Audra Hollingshead – Pro 100 Joplin

Katie Youngblood – Crye-Leike (Jennifer Reaves – Reports) (John Yaple – Reports)

AWARDS:

Membership & Community Services: Susi Yust, Chair – Pro 100 Joplin

Mallorie Larson, Chair – Keller Williams John Yaple – Remax Joplin Jennifer Harvey, Vice Chair – Crye-Leike Forrest Stodghill – Crye-Leike

Susi Yust – Pro 100 Joplin Jessica Hubbard – Keller Williams

Kandace Yaple – Remax Joplin Allen Hall – Pro 100 Joplin Courtney Denney – Charles Burt Joplin Melissa Annis – Keller Williams

Josh Maresh – Union Transfer (Jennifer Reaves – Reports)

Mechelle Lawson – Pro 100 Joplin

Dee Ann Lowry – SMB MLS: Darrel Phipps – Waco Title Chris Nickle, Chair – Nickle Appraisal

Mary Zimmerman – Keller Williams Cheryl Barley – Remax Joplin

(John Yaple – Reports) Kalan Hubbard – Keller Williams

Jesse Bruce – Smith Midwest NOMINATING: Audrey Sneed – Keller Williams

David McGarrah, Chair – Show Me Real Estate Michael Wicklund – Pro 100 Joplin

Spencer Aggus – Realty Executive Arlisa Arwood – Charles But Joplin

Linda Richmond – Charles Burt Joplin Hunter Perry – Realty Executives Vicki Christensen – Keller Williams Robert Dodson – Charles Burt Joplin

Micci Coggeshell – New Generation Danny Frazier – Pro 100 Joplin

Melissa Annis – Keller Williams Jessica Hubbard – Keller Williams Sandy Wells – Charles Burt Homefolks Chris Faubion – CK Appraisals (John Yaple – Reports) (Chris Nickle – Reports)

FINANCE: STRATEGIC PLANNING:

Brandi Haddock, Chair/Treasurer – RealPro Joplin Joni Good, Chair – Keller Williams

Forrest Stodghill, Vice Chair – Crye-Leike Cheryl Chandler, Vice Chair – Charles Burt Joplin

Jennifer Reaves – Keller Williams Courtney Denney – Charles Burt Joplin

Rhonda Thompson – Pro 100 Joplin Seth Dermott – Keller Williams Steve Johnson – Keller Williams Chris Nickle – Nickle Appraisal

Chris Nickle – Nickle Appraisal Brandi Haddock – RealPro Joplin

Seth Dermott – Keller Williams Spencer Aggus – Realty Executives (Brandi Haddock – Reports) Allen Hall – Pro 100 Joplin

Glyndora Oeltjen – Pro 100 Joplin

RPAC/RPIC: Donny Allen – Keller Williams

Spencer Aggus, Chair – Realty Executives (John Yaple – Reports) Micci Coggeshell, Vice Chair – New Generation

Melissa Annis – Keller Williams PROGRAM/EVENTS:

Laura Southard – Realty Executives Jennifer Harvey, Chair – Crye-Leike

Donny Allen – Keller Williams Kandace Yaple – Remax Joplin Forrest Stodghill – Crye-Leike Kacie Smith – Pro 100 Joplin

Yvonne Raczkowski – Keller Williams Shawna Lamb – Keller Williams

Danny Ross – RealPro Joplin Nicole Hopper – Mid MO Bank Debbie Barlos – Keller Williams Angela Vogel – Charles Burt Joplin

(Jennifer Reaves – Reports) Morgan Sprouls – Keller Williams

Keri Ralston – Remax Joplin

Local Leadership Academy Committee: Sarah Alumbaugh – US Bank Jessica Hubbard, Chair – Keller Williams Lauren Gilbreth – Great American Title

Alyssa Hunter – Pro 100 Carthage Tami Marlay – First American Title

Diane Newman – OGAR Vanessa Williams – Abbey Title

Rhonda Thompson – Pro 100 Joplin Vicki Daniels Chew – US Bank Audrey Sneed – Keller Williams Julie Howerton – Keller Williams

Courtney Denney – Charles Burt Joplin Jared Hickey - SMB

Richard Huskey – SMB (John Yaple Reports) (Jennifer Reaves – Reports)

Page 10

Page 11: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

2017 COMMITTEE ROSTER (cont.)

Benevolence Committee

John Yaple as President Elect reports on: Kim Cox, Chair - OGAR

Strat Plan, Program, Nominating, Governing Docs Loretta Bailey – Allstate Insurance

and Membership & Community Services Melinda Walker - SMB

Cheryl Roderique – Arvest Bank

Jennifer Reaves as Vice President reports on: Lori Lanier – Realty Executives

Awards, RPAC, Local Leadership and Technology Debbie Gould – First American Title

Winter Kinne – Community Foundation of SW MO

Micci Coggeshell – New Generation

(Kim Cox – Reports)

BUILDING TASK FORCE: STATE DIRECTORS:

John Yaple, Chair – Remax Joplin Seth Dermot – Auto, President

Spencer Aggus – Realty Executives Debbie Barlos – 2nd Term, 1st Year

Seth Dermott – Keller Williams Melissa Annis – 2nd Term, 2nd Year

Jennifer Reaves – Keller Williams Micci Coggeshell – 1st Term, 2nd Year

Chris Nickle – Nickle Appraisal Forrest Stodghill – 1st Year, 1st Term

Fred Landreth – Pro 100 Joplin Danny Ross – 1st Term, 1st Year

Brandi Haddock – RealPro Joplin Vicki Christensen – Auto, Executive Committee

Hunter Perry – Realty Executives Gary Nelson – Auto, MR Past President

Kim Cox – OGAR

NAR LEADERSHIP ACADEMY:

LOCAL LEADERSHIP ACADEMY CLASS 2016/2017: Donny Allen – Keller Williams

Morgan Sprouls – Keller Williams

Michael Wicklund – Pro 100 Joplin MR STATE LEADERSHIP ACADEMY:

Robert Dodson – Charles Burt Joplin Jessica Hubbard – Keller Williams

Melody Lowery – Keller Williams

Courtney Denney – Charles Burt Realtors STATE COMMITTEES:

Jennifer Harvey – Crye-Leike Vicki Christensen – Executive Committee

(Jennifer Reaves – Reports) Gary Nelson – Finance & Budget Committee

Debbie Barlos – Finance & Budget Committee

NATIONAL COMMITTEES: Kim Cox – Member Network Mission Committee

Debbie Barlos – Federal Housing & Policy Melissa Annis – Member Network Mission Comm Chair

Kim Cox – Association Executives Committee Cheryl Chandler – Commercial Forms Committee, VC

Gary Nelson – NAR-Missouri State Director Debbie Barlos – Communications Output Group, VC

MREC Commissioners:

Steve Kenny – Carol Jones Red Carpet

COMMITTEE CHAIRS & VICE CHAIRS & STAFF LIAISONS:

Governing Docs: Cheryl Barley (Chair) & Arlisa Arwood (Vice Chair) & Staff Liaisons: Kim Cox & Laura Wacker

Membership & Community: Mallorie Larson (Chair) & Jen Harvey (VC) & Staff liaisons: Diane Newman & Sara Pflug

Finance: Brandi Haddock ( Chair) & Forrest Stodghill (Vice Chair) & Staff Liaisons: Kim Cox & Laura Wacker

Awards: Susi Yust (Chair) & (No Vice Chair) & Staff liaison: Kim Cox

Nominating David McGarrah (Chair) & (No Vice Chair) & Staff liaison: Kim Cox

RPAC/RPIC: Spencer Aggus (Chair) & Micci Coggeshell (Vice Chair) & Staff liaisons: Kim Cox & Laura Wacker

MLS: Chris Nickle (Chair) & Cheryl Barley (Vice Chair) & Staff liaisons: Kim Cox & Diane Newman

Strategic Planning: Joni Good (Chair) & Cheryl Chandler (Vice Chair) & Staff liaisons: Kim Cox & Laura Wacker

Technology: Kalan Hubbard (Chair) & Forrest Stodghill (Vice Chair) & Staff liaisons: Laura Wacker & Sara Pflug

Program: Jen Harvey (Chair) & Kandace Yaple (Vice Chair) & Staff liaisons: Diane Newman & Laura Wacker

Local Leadership Academy: Jessica Hubbard (Chair) & Alyssa Hunter (Vice Chair) & Staff liaison: Diane Newman

Page 11

Page 12: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

2016 Installation Banquet

“The Great Gatsby”

More Details & Photos COMING SOON!

Merry Christmas!!!

from the OGAR Girls,

Kim, Diane,

Laura & Sara

Page 12

Page 13: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

Joplin Carthage 417-623-1910 417-358-1975

Joplin’s only locally owned independent title company

2016 Platinum Affiliate Member www.firstam.com

MAR Directors

Spencer Aggus

Donny Allen

Melissa Annis

Debbie Barlos

Vicki Christensen

Micci Coggeshell

Gary Nelson

MREC Commissioner

Steve Kenny

App of the Month:

Compliments of OGAR

Technology Committee

MemberCentric

Connect with Missouri REALTORS

on The Landing

2016 Leadership

Spencer Aggus—President Seth Dermott– President-Elect

John Yaple—Vice President Jennifer Reaves—Treasurer

Ron Franklin—3 Year Director Chris Nickle—2 Year Director

Brandi Haddock—1 Year Director Danny Ross—1 Year Director

Forrest Stodghill—1 Year Director Allen Hall—MLS chair

David McGarrah—Past President

Staff

Kim Cox – Association Executive/CEO Diane Newman—Membership Services &

MLS Director Laura Wacker—Director of Operations &

Education Sara Pflug—Member Services Coordinator

Page 13

Page 14: 13th: Christina Higdon-Wallace 14th: JR Collins Brandy Edelen Bruce Vaughan 15th: Keith Landrum 17th: Betty Hunt 18th: Randy Beaver Carl Perkins 19th: Janelle Choens Randy Karst Joanie

2016 Silver Affiliate Member www.onlinehsa.com

Page 14

2016 Platinum Affiliate Member

2016 Silver Affiliate Member

www.cbtitleinc.com