LOCAL CONTRACTOR IS FIRST IN TRADE IN NEW JERSEY CERTIFIED BY NATIONAL HOUSING QUALITY PROGRAM

October 5, 2005 Upper Marlboro, Md.- C & C Ripoll Masonry, headquartered in Point Pleasant, N.J., is the first masonry contractor in the state of New Jersey to be certified through the NAHB Research Center's prestigious National Housing Quality (NHQ) Certified Trade Contract program. Read the full story.

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k. hovnanian

K. Hovnanian 10 Highway 35 P.O. Box 500 Red Bank, New Jersey 07701

September 25, 2001

C&C Ripoll Masonry

Walter Ripoll

PO Box 29

Point Pleasant, NJ 08742

Dear Walter,

I would like to recognize and thank you and your company, C&C Ripoll Masonry, for your hard work and dedication to the implementation and support of The Even Flow Production initiative currently underway at K. Hovnanian Companies.

The success of Even Flow is dependant largely upon our Trade Partners' ability to maintain the schedule while delivering exceptional quality and customer service. C&C Ripoll Masonry has consistently delivered outstanding performance in support of this vital initiative for our Company.

I greatly appreciate your confidence in, and support of, the Even Flow initiative.

Keep up the Great work!

Sincerely,

Ara K. Hovnanian

Persident and CEO