Claim by HSBC_Daniel Kalloway~//-/w/J,~/ ,/ ~ /
IN THE IOWA DISTRICT COURT FOR DUBUQUE COUNTY `~ ~
HSBC MORTGAGE SERVICES, INC., EQUITY NO. ~ i ~ ~ i E OL ~ ~ ~l u ~ 3
Plaintiff,
vs.
DANIEL C. KALLOWAY, ORIGINAL NOTICE
ANGIE R. KALLOWAY, ~ o
CITY OF DUBUQUE HOUSING SERVICES, _,.
STATE OF IOWA, Iowa Department of Revenue, ,
~`~ ° ?3
STATE OF IOWA,
UNITED FIR
& ~~ C~ --a m
E
CASUALTY COMPANY, TFM COMPANY, ~ ~~' ~
~
CITIFINANCIAL, INC., { ? %~
~._ ;
tl
GENESIS TWO MANAGEMENT, INC.,
~ ~"
-~
~ ~
US BANK, N.A. successor by merger to C~ i'Tt
HAWKEYE BANK OF DUBUQUE, NATIONAL ~ ~ r
ASSOCIATION, and PARTIES IN POSSESSION, cti ~
.
Defendants.
DANIEL C. KALLOWAY, 2655 White Street, Dubuque, IA 52001
ANGIE R. KALLOWAY, 2655 White Street, Dubuque, IA 52001
CITY OF DUBUQUE HOUSING SERVICES, c/o City Attorney Barry Lindahl, Ste 330,
Harbor View Place, 300 Main Street, Dubuque, IA 52001
STATE OF IOWA, Iowa Department of Revenue, c/o Dubuque County Attorney,
Dubuque County Courthouse, Dubuque, IA 52001
STATE OF IOWA, c/o Dubuque County Attorney, Dubuque County Courthouse,
Dubuque, IA 52001
UNITED FIRE & CASUALTY COMPANY, TFM COMPANY, c/o Registered Agent, Neal R.
Scharmer, 118 - 2nd Avenue SE, Cedar Rapids, IA 52407
CITIFINANCIAL, INC.,c/o Reg Agent, CT Corporation System, 2222 Grand Avenue, Des
Moines, IA 50312
GENESIS TWO MANAGEMENT, INC., 3197 Highland Park Drive, Dubuque, IA 52001
US BANK, N.A. successor by merger to HAWKEYE BANK OF DUBUQUE, NATIONAL
ASSOCIATION, aka U.S. BANK NATIONAL ASSOCIATION, c/o Reg Agent, CT
Corporation System, 2222 Grand Avenue, Des Moines, IA 50312
PARTIES IN POSSESSION, 2655 White Street, Dubuque, IA 52001
TO THE ABOVE NAMED DEFENDANT(S):
You are notified that a Petition has been filed in the office of the clerk of
this court naming you as the defendant in this action. A copy of the Petition (and any
documents filed with it) is attached to this notice. The attorney for the plaintiff(s) is
Bob Siddens, whose address is 650 - 42nd Street, Des Moines, Iowa 50312. That
attorney's phone number is 515-274-6210; facsimile number is 515-274-9309.
You must serve a motion or answer within 20 days after service of this
original notice upon you, and within a reasonable time thereafter, file your motion or
answer with the Court for DUBUQUE County, at the county courthouse in DUBUQUE,
IA 52004. If you do not, judgment by default may be rendered against you for the
relief demanded in the Petition.
If you require the assistance of auxiliary aids or services to participate in
court because of a disability, immediately call your districtADA coordinator at 563-589-
4433. (If you are hearing impaired call Relay Iowa TTY at 1-800-735-2942).
CLERK OF COURT ~~
DUBUQUE COUNTY COURTHOUSE
DUBUQUE, IA 52004
YOU ARE ADVISED TO SEEK LEGAL ADVICE AT ONCE TO PROTECT YOUR INTERESTS.
4
IN THE IOWA DISTRICT COURT FOR DUBUQUE COUNTY
HSBC MORTGAGE SERVICES, INC., EQUITY NO.
Plaintiff,
vs. ~~~ ~ ~~ bg ~ ~
DANIEL C. KALLOWAY, PETITION
ANGIE R. KALLOWAY,
CITY OF DUBUQUE HOUSING SERVICES,
STATE OF IOWA, Iowa Department of Revenue,
STATE OF IOWA,
UNITED FIRE & CASUALTY COMPANY, TFM COMPANY,
CITIFINANCIAL, INC.,
GENESIS TWO MANAGEMENT, INC.,
US BANK, N.A. successor by merger to
HAWKEYE BANK OF DUBUQUE, NATIONAL
ASSOCIATION, and PARTIES IN POSSESSION,
Defiendants.
COMES NOW, the Plaintiff and for cause of action states:
1. Pursuant to the provisions of Iowa Code Section 654.20,
Plaintiff gives notice as follows:
NOTICE
THE PLAINTIFF HAS ELECTED FORECLOSURE WITHOUT REDEMPTION.
THIS MEANS THAT THE SALE OF THE MORTGAGED PROPERTY WILL OCCUR
PROMPTLY AFTER ENTRY OF JUDGMENT UNLESS YOU FILE WITH THE COURT
A WRITTEN DEMAND TO DELAY THE SALE. IF YOU FILE A WRITTEN DEMAND,
THE SALE WILL BE DELAYED UNTIL TWELVE MONTHS (or SIX months if the
petition includes a waiver of deficiency judgment) FROM ENTRY OF JUDGMENT
IF THE MORTGAGED PROPERTY IS YOUR RESIDENCE AND IS AONE-FAMILY OR
TWO-FAMILY DWELLING OR UNTIL TWO MONTHS FROM ENTRY OF JUDGMENT
IF THE MORTGAGED PROPERTY IS NOT YOUR RESIDENCE OR IS YOUR
RESIDENCE BUT NOT AONE-FAMILY OR TWO-FAMILY DWELLING. YOU WILL
HAVE NO RIGHT OF REDEMPTION AFTER THE SALE. THE PURCHASER AT THE
SALE WILL BE ENTITLED TO IMMEDIATE POSSESSION OF THE MORTGAGED
PROPERTY. YOU MAY PURCHASE AT THE SALE.
2. That the Plaintiff is a corporation duly organized and
transacting business in the State of Iowa as set forth herein, and is the owner
of the note and mortgage upon which this action is based that the Defendant(s)
are individuals, corporations, or governmental entitles either residing, or doing
business in DUBUQUE County, Iowa.
3. That on or about August 17, 2005, the Defendant(s) DANIEL
C. KALLOWAY and ANGIE R. KALLOWAY, (hereinafter KALLOWAY) made,
executed and delivered to the Plaintiff (or its assignor) their one certain written
promissory note in the amount of $86,671.00 with interest at the rate of 8.39%
per annum, a copy of which- note is attached hereto, marked Exhibit "A" and by
this reference incorporated herein.
4. That for the purpose of securing said note with interest
thereon, the said Defendant(s) KALLOWAY executed and delivered to the
Plaintiff their one certain written mortgage, transferring and conveying onto the
Plaintiff the following real estate, to-wit:
North ~/z of the East'/z of Lot 272 in Davis Farm Addition in the City
of Dubuque, Iowa (except part thereof taken for White Street),
according to the recorded plat thereof
locally known as 2655 White Street, Dubuque, IA 52001
Note: Scriveners errors, if any, have been corrected to reflect the
intent of the parties.
which mortgage was duly filed of record in the Office of the Recorder of
DUBUQUE County, Iowa, on September 12, 2005, in Book 2005, Page(s) 14772,
a copy of which is attached hereto, marked Exhibit "B" and by this reference
incorporated herein.
5. That the mortgage contemplates that Plaintiff has the right to
protect the subject property and enter same for said purpose.
6. That by its terms, said note is past due and there remains
unpaid the sum of $91,307.62 with interest at the agreed upon rate of 8.39%
from July 20, 2007.
7. That despite timely notice thereto, the Defendant(s)
KALLOWAY have failed to cure said default.
8. Plaintiff is willing, and now offers, upon payment of the
amount due it as hereinbefore set forth, to cancel the note declared on,
discharge of record the mortgage securing same, and to do all things equity and
good conscience may require of it.
9. That the Plaintiff is informed and believes that the following
Defendants may make some claim of interest in the said real estate for reasons
including, but not limited to, the following, to wit:
a. CITY OF DUBUQUE HOUSING SERVICES based upon a mortgage
dated May 6, 2005, filed May 13, 2005, Document No. 2005-7410;
b. STATE OF IOWA, Iowa Department of Revenue, based upon a tax
lien dated July 18, 2007, filed July 20, 2007, Document No. 2007;
c. STATE OF IOWA based upon a judgment in CICVD58144;
d. UNITED FIRE & CASUALTY COMPANY, TFM COMPANY, based upon
a judgment in LACY 054257,
e. CITIFINANCIAL, INC., based upon a judgment in LACV054964,
f. GENESIS TWO MANAGEMENT, INC., based upon a judgment or
claim arising out of SCSC060300,
g. US BANK, N.A., successor by merger to HAWKEYE BANK OF
DUBUQUE NATIONAL ASSOCIATION, aka U.S. BANK NATIONAL
ASSOCIATION, based upon a mortgage from prior title held by John
K. Splinter, a single person, and Mary Jo Seeley, a single person, to
Hawkeye Bank of Dubuque, NATIONAL ASSOCIATION, aka U.S.
BANK NATIONAL ASSOCIATION, dated June 22, 1993, filed June 23,
1993, securing $47,400.00, released by Wells Fargo Home
Mortgage, Inc., with no authority on the record;
H. PARTIES IN POSSESSION based on claims that may arise out of
possession
but said claims, and any claims (unless otherwise noted) made by the
Defendants are junior, inferior, and subordinate to the claims of the Plaintiff.
10. That the Plaintiff has been made to incur the expense in the
sum of $400.00 for various foreclosure/abstracting expenses for the mortgaged
premises, which is the reasonable charge for same and has incurred and will
incur attorney fees.
11. That Plaintiff waives its right to a deficiency judgment herein.
12. That the Defendant(s) herein claim to have some lien or
interest in the mortgage premises, but the Plaintiff states that whatever lien or
interest the Defendant(s), individually or collectively, may claim thereon or
therein, is junior and inferior to the lien of the Plaintiff's mortgage, Exhibit "B",
and the amounts hereinbefore set out.
WHEREFORE, Plaintiff prays for:
FIRST: That the Court enter an order permitting the Plaintiff to
enter the subject property (if need be, prior to judgment), secure same, and
exercise control thereof in the absence of the Defendant(s); and
SECOND: Judgment againstthe interestofthe Defendant(s) DANIEL
C. KALLOWAY and ANGIE R. KALLOWAY, in and against the mortgage premises
in the sum of $91,307.62 with interest at 8.39% from July 20, 2007, reasonable
attorney fees, and for such additional sums as may hereinafter be advanced
pursuant to said mortgage and for costs; and
THIRD: Judgment confirming Plaintiff's lien upon the mortgage
premises from and after the date of execution of said mortgage, and that said
lien be declared prior, paramount, and superior to all claims or interests of the
named Defendant(s); and
FOURTH: Judgment foreclosing Plaintiff's mortgage, and that the
equities of redemption of the Defendant(s) and of every person or legal entity
claiming by, through or under them, be forever barred and foreclosed, except
as otherwise by law provided; and
FIFTH: That an order be entered providing that a special execution
issue for the sale of the mortgage premises, or so much thereof as may be
necessary to satisfy said judgment with interest and costs; and
SIXTH: For further order providing that if any part of the mortgage
premises be sold under execution herein and be not redeemed as by law
provided from the date of sale, a Writ of Possession issue herein, under seal of
this Court directed to the Sheriff of DUBUQUE County, Iowa, commanding him
to put the grantee under Sheriff's Deed in possession of the premises deeded to
him, and to remove any Defendant(s) or persons claiming by, through or under
any of them, or any person in possession thereof, out of such possession of said
premises; and
SEVENTH: For such other and further relief as the Court may find
the Plaintiff to be entitled to in equity.
Bob Siddens AT00073Z;
Attorney for Plaintiff
650 42nd Street
Des Moines, IA 50312
Phone: (515)274-6210
STATE OF IOWA
SS
COUNTY OF POLK)
I, the undersigned, being first duly sworn and upon oath, depose
and state that I am the attorney for the Plaintiff in the above-entitled cause, that
I have in my possession the written instruments upon which this cause is based,
that I have further learned the facts constituting the cause of action by
investigation of the records appertaining thereto and by interrogation of the
Plaintiff, that I have read the foregoing Petit an m familiar with the
allegations therein contained and the same ar true a I erily believe.
iddens
Signed and sworn to before me this 9T" day of September, 2007.
UB
R~nc m CRYSTAL R. JO!-~NSUI~
P
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Diarorwr. 'Yrewamnx' tome h rpm m raquhe w Nar Homer b demaM pYmmn d crown Ls. •Ybliccd
DIIMIbr" mans h rigM1l m redldre h Noe Noldy b yve mom m mh« Pnae Ibm msomva m. have a bean
p,b.
11. UNIPoRMbBCU'BeD NOTE
Th8 Nom b • udfmm nnnmDy ter limind ruesimtl m aorcrynedrdua. b Wripn b h p.memimmgive
n h N«e Holdu uMV air Net, • Mmpp, Dnd of Trrv. «SeurilY Daed wr'Bumiry Immme.'Y. deed
h aMV dm u Nis w«, p«ecb 81e N«e Ha4n Iron Mmdbk hues wb4# myN rmWl H I do m alp Its
PomHm tiro I nela bI dds Hof. The Sbwey Imvumm desvbu Irow and alldrr rNI mrdilims I may tr
nW bed w me4 cmedue Pymmdn fall d JI Mrm.n I e.e uN« mis Nine. Bete a mete cmtldnu me
dm+ibN as (Wows:
~X ~
Retum tD ARer Recording:
ALL-AMERICAN ESCROW 8 TITLE
103 West Maln Street
Fr^bport, IL 61032
~BI~IAt~11~IY
,nu.r wia.l.e.a.ral
«.2005-00014772
Anw ,aln wpm rl. I
Rc.4w gar CmgmY. LLC '
~.. ;m~ Im lmey4. aMRwwr,q. LeROman ; ~ ~ ~ ~° `~
Chsnol h frvlna f2828y / /~,
Om.ncm PleprM By: MMO. WaA PARK PLACE W As65 WAYZATA BLVD. SfH 9Y0. Pa65 Wpmm
Mad.. Suac 9]0. ST. [1N115 PMK, MINNESOTA SSAtb PbR: NSA 12SIY00
t,a LaYl.µl D.ACnµio• m Patc
___- -ISPw: ,Mn TieLa Tw Rwwdlq dW
Wes Newer 2m0650Y8%10
MORTGAGE MIN: 10001J0IOWSN362d
p1(p~l Q
UF.FINITIONS
W,xds era b mulupk amlarD d Nie dnwmen,ru aefinetl h4pr aM wM.r rorb ae OdiIN'n Smaq 3.
I I.I.I. Ide. zD am zI. em4n calm Herder un w,gaa .ew wen b mi, dnmenr we.Hn pmiaa b
ur •s«caer ]MSnuma" rtrm mi, a.M.ae. ram, 4 aalm wwuRT Iy, nes. avnlr rBn 41 ¢wrs
Ie1 'Bwrmer'' a DA IPl C. KALIAW AY AND ANO1R R. KALe~WAY, a1115¢AND wfJD WIPE,
Borlmw n she montagvr uder aib&a«isY Imnolml.
ICY "MFRS' it M«ya8c Fleamnw RyNSUm SYrem. Irc. M v a arwr,. mpmuan Wv is naM
uIk1Y w a wunirce fw VW and LeNw's awramm rd might. MFRS 416 sMapgs undr Ab
Senrlay IwgwM. MPYS h Msuad ala gBag IAlder sMlmdD4arwr, mJ hsaadrw mra
INCphwR mmhwol P O. Boa IDlb. Fro. Ml MSDI-2016, Itl. (Bg816JAMFRS.
IDI "WOMY' is Iservra MsgrBa CsrynUq. lbdv it • CORPORATION wgm._ ,aa roving
Ile law of RHODE DII.AnM. Iwla'a add,m a 815 R~ERVOIR AVTla11E, C'MNSfON,
NHODE LSIAND OnN.
IOWA 5. g r.mA.-imelr AtuNP.AtlY Mw UMeWMINSIAUMxvy M1rw MM a Pr•f NlaprgW
DRCD ravel hfs]RZ
awl.lArY, mR184
Bat,gYl. Dp
HoceaNOld Noxtgaga Bmrv
Fnw
acebpp>m ewriM ~~
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Q9d.dCJ aer
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Cra'-61 M.~
IEI 'Nm'
Dnawa ID.S.SRa,eYI.MI plus :,rrwl. bm.cr W pi«rdml b pay sma dAS k rtylr tYrwaic Prymem
ara bpy lae arM w ran m laer lhr SEP[FJ6BER 1. EOJS.
IF7 'Prupanr .Mao sae plvPeraY sbw "e decNesa hdor mb IM Mmmg 'Tmmw d Rybt m rb
Propmsy."
Iel -Iw..• nrrw re seen wia.wd hr a Nw:. dm bnnma. wr prtParnMnl aarDa am me wRM m.
ma ra 41 ..M aM war rua e.-.w.y kmwmw. pn imam.
Dn "RMSa' mega W Rorer w mu Sevwivy Msun~rr Ir src goMIm OY BwrOMwi Thelollorillg
Rimn n b 4 saeaN er rrnrw IcnaR hoe u applkekl.
mAdjuauabNm Ride IJ(wraamMmn RlAr ^$enla Home Raor
OB41om Rar ^Ib.e,d Ums OoMopol¢idw ^Oarrlel
^ I~s Early Rider Jbr«Ely Paymra Rib
111 'AppBaW Les' mum 41 mMMaM ~dwble finer4, sue mad lugl emwM. rgWaiau, OramrR.a
and aM1naam,re rvka a,a wtlcrs Ilnv ban re tl/m d larl a wNl r 41 app~ubk (ales, mn.arwlwk
judiN4 odnkns.
N 'Cesmarry ArM m 0.r. im. ww mesa 41 tlus. (m. aarmenlla ab wlr
Awtr Then an InipMm m Bom,rsr w we PnpmY by a mtloanhun asaoNaum, bo.renrma Ae«imwn
«aadr e.gmia:m
IKI 'FYgraslk PuWa Trder" ecru mY sranefr d IMes, ally sbo a vmmion agewvl by cluck.
scan. « imilr Dlw iwrvmM, ankh N iMlimm Namgn m dmmnk mm,w, mbpnmb m
mrRmw, ryes m.gmk Nve m w mew. M a HwNi4 ,r,vbM»n a see. or pmil e
I. Svdi lem ,a IimAtl m, pnm.oY.Mb sma<M IprIImN Rlkr nu Ain
Iarm. VaMlm inisiaw q wyMee. w ~ M1m. rm mlommed NwMghowc vMalna.
ILI 'BMrow Isar' mem Raga eema mw r demihm rn Sva,on 3.
IMI '•••. - Proeaem' moue wry aolllpeawol, andamrwl. arW of dense. tt plomda ptie by
ny Ihin p.ny Iwhv dlwl iMwmq prrmds pas uedn the mrvags dmcrLW u Sw4m 51 for. lil duMte
m. «arMmlm or. dR PlOpmr: RR mwewlMlim wwbr ant dalwmy pmdael'nDanr. uiB
mrterrrce m w .oa.mww,r. ,. B.r mmYma..Omm or. « ammw. a m, an ..we mw
mtlhioa a des rnpmy.
IYO 'MaMgye IMUnan' mane iuleaiRe PmmilM lnbcrap,m Jae nmpMewu a. w Mauh m. dm
~,
bl 'PSMdk )ayswW" rtrM Ine rg4srh' aclaoduba awws am a le P^^cip4 and kuaal ubr Re
Nme. dM IUD mr annnwa men seBkn ] a dm sMn4ay hwlrvege.
IP/'¢E41A' man IM Rml Earle Caaemva Plomamn M (1111.5 C. P2601 n «e.l wd iu
ilaplmlmlLnt ntuwian, Regulmion % (U Gi.R. Pan ]i0D1. M brY nitln M ae Idtl Inm lime w lime. «
+Y adenosal ur au«awor kgi4gim w m8ula4m IIw tovmM Nv amen suhpn mwv. Ar rrd in mia
5«VMIy Msvwrm. 'RESPA' rtlm le YI rMdiMemM am rmrblior la sn ingoara bn re8ard w a
'f ~asally reI4A monguge lom' ewn it 14 Lour dm m gwIRY as a Yctla4ly IgeM nurljya lerl• uMn
RRSPA.
IQ) "Susswr IR IM<nM tl Borrower' peens ay PnY Ihm ha Tim ak b I6 Pnwmy. rMVAw nr nor
dm GwaY Au uwmed Bmow a Alibwima Wu sb Nme aldlw Isis Swuiry Iremmrnl
IOWA-Siege Pu4H-Paorr MMTrtaae Nrc UMF08M IHSIRL'MIX1' Pwm MM IroI yetr.ze/lap¢as/
TRANSTF.R OF RIGHTS Irv THE YNOPER rv
_ w LaM.. IJ we rgaymm el Jle lwn, ma>II mner4a. mama nd
,. 6Ymis a ~ NnR; a HiI dulrtlwmanrc d Bwmuer sooaarm qe Iglarnwma ma.r IMa swa.NY
M4ru~eeal alld I Nee. F« IMS perpow. Bmerur nrwasMY montals, then atl Mnveyam HERS
(sNelY w nmrd~m Iw adv W IetloYa amwon aM mgMl and sD I4 mmrav+tl aais of HENS.
isM1 pow of eub, slu Mbv4g MwiM p+opmy laurotl in IM CmmY d
DIIBUOUE frYpe a Rmndnq Nekd Wlml
INwe or RecoMkg Ileraimiml
SEE ATTACHED St5)EDULE'A'
rduu m.rnliy bvssb ulnsaa M%w11fIE~j T _
DUBUWE Itiaal
IC:I 1 dylhl I'PaepDny Addrm').
r Izip raal
TOOBTIIPR wIT11 N M impr, vvmuu roc or MmllweaauB m 14 Pmpruy, and sR armexs.
all limwr roc«Mn41«,pm oflMp peny.N rN wMu:ma wllaMb
•mvl 4~ a 5«unlY Inenmm. All of IM kregoillg a eefarc0lw i Nv ServilY Wvullura n IM
Pn,pmy'.. IMrnww +ntlvrslvda vd aYrme Ihm MFRS holm mly bR4n ride w IM irewassa grvva by
&rnrer in bn Sm,riry Imrumm. W, N Inresaa0 so cmlplY u'nA kv «mmm, HERS W nemins Iw
~trr and Wlder'a s aaNSl nu ale nthl: w eresem sy w 41 d ewe Inwmu, imlWilq
e NgMwa MPropmY: ,M lolra ny mawn,puiro of lama
~.+ualg. e~ ~li~n m w. r4n:ll¢ me r.wling a: sawiy Imrm..a.
eoRnowER CovwANTS Ines awm.w la I..MIIY Ri.m dme ma. Maaby mweym me nr aR
~ghl ro grw W emver sb Pmpwy etl rMa rb Propony h vrrw,ebAa, qqp bsrmunbrmm d
om. Bwnrer rw.nv m NI ddeaprcn¢y eha ri!easM PmpaIY+¢4m all rM:as aeeam.lea,
u•bjom b mY munheaerb a wend.
TIIS $ENRRY IHSTRUMEM mrvbiir wdbm arvrslgs b mhlal oR wa rlPSl,mi(mre
r,b Iinalm rruwM pry juamkuim w mmiuo a prifam assay uevem rwakg ny
PmDmaY~
UN;FO¢M COVENANTS. Bovmru ma leltler mrenalll old agrM r bllous:
1 PaYmllmme d ~ ~, Imm, Fiem laaev PrgysrR Ctrp, W lass CArgm. Bomw
v4 a, na Ines.., m, um awl wiamom qlM NOR as my r.p,ymnl
Srv,on J ~P ymenu dR uoTr rb Noe ~ er5nurv am pry fwes f« F IoM pun
y Mnnewnl fn41 6 mdesn U.S.
)OWA-S:nlr Fwmy.~Im.k Ma/PrMS4 Mr UlvIPOeM INM¢uMPM Pars MM IMI 7mr•ye'yapagm
Hwe.w. if mY eMx1 or Iulur wwmun resaved by Lenders uYmmseMVl4 NORwIFia
Naw wtl r.a SeorMy kervmur 4nuaeawewmorea14lW long lome,s Rb:ad 4luder. (al
caN', A) money woes, W awfied Nmk, hna NrL. Iwurer'a Awa Yrssbiv'a AeA, prwvMOa of wA
MeY ie nupmm,nuiuwn vane eep«~ame invrm byaltlerm yenY,amwwu4ey,wewsY:w
la) Elnurdc Fuses Trull.
P,Y'wwm .e amm.e mdrm q LeMm rMw naves u aw o-mabn dmyarA b m wen«w mN,
oIW hues s waPMdsigMtm by lnlh,. in scmmuve wish lM nosica poriaimiin Smiu lS lmae
rr wen mY gYmmw P,wal wrreK a IM pymm w Pawl prymenls an iM.rrRim w bring re Len
Ime. ~idw mM wepl anY Paym^I w Mnw paymml imdY'Idee b brkt IM la.n worn. rluaw
v of mY nghu Ycmiraer Iv pnNaioe a iu N81ns n etlusr r•-, aYmm o. pmi4 gYrwnu m IM
lu'iw, bw fAMw is eas obligam m rNY .um prymous a me urrc v.A ygmmu w amgN. H ma
Pa;mk PMrMaI : wdrd r a la ra.m,ra am ewe, Ibn t.mam«ad a w> inwl m mwDn.d bw.
L.narrM hde ruh,.appka luraa uMN BOmw wren paymaembaag s4 tos drum. If tbmrm
s,n ml ae m .wM . rmwn4Ra MAOd M bwe. lerleer wl NdRr wwr rrA rmMwrpn alma
&wur«. H nq applkd maiw, wA fuma will b spdied w Iheeucunieg uWcip4 hilrw marsh Nw
'mmm;my pror w lus«Jm,n. Nu aeawNabn M:A bm,rv mgM hwe mw w:n rlw lawn ague
Lawaw sW I nikrr Barroav fnn mrn8 prmrw due ear IM Nwe atl Ihu SruraY Inen~nun w
mROming du uwmana na q,r,wle sn„ma by wis SmWIY burwaa
L APdk,Bm a Pysnr w Prmew Ea«p M alMrire deerLed n via Sslbn z. 41 pymms
r«gva wa pplrM by ]slaw aa4i 4rpditlkib Ydbvkg a,d.. of prmnw: ly oeertv aw man be
Nwe: 0v1 pvrip4 due watt IM Noe; Id vMmu due kr $w lm ]. SwA paynmlla .ball b apdke b
.vN P hymen n Ile woes ie rMA is bvaa ar MY rauln:sg aMVM w41 >b apolm f b
law Nwp1csmud w mY wM maurtn Ae under Iles Savr4y Mwwqu, ara dlq Io Mire all pNMD4
441¢ a 14 Nwe.
Ir LmA. mwi.a a p,yl,,,M mw ear.ora rw a aNingwa„ r«aek P,yn,m rllkh inwam, wlRmm
w paY asy Iwe Aupe dm. IM p.ymme may MAplied Io the dclisq«vl prmm ara Ne Eae cbrgu
If mo-e sbr me ftriodi Pgnrl k uaslmdag, lenses mY pply ary PaTnRU Hared hwn Bwnvw m
Ne rryeymrl M a1M Pgiodre Paymmu il, ad bllR eum Am, vah paYmm r+iMp4a in lWl. "y sM
m M aY qma mlva afwr Ibpymml u rplietl to Jr lurl pryeun a oM w mon Pemd4 Paymwns.
swN eawas mry M applim w mY W eMrgu dM. Vdumary prgmYrnmu A4i 4 apples firs) b my
-nDaYnwn Nvgr ad sun r trsuih imnllcdr Yow.
ny applvaion Drimnu. r pra.eds.w MiscUlnema P+ utraDrirciWd due unMr Nc
rvwe wplalpwR She he AlnwenalgerM mwn,dre Paioek Pynem.
>. Farb fr Cauvw Isms. Awlarw r41 pry wlLMnm be say Penodn Parllws w ew w4r re
ww. m¢ IM rlwa „ peia w Ywl. a em ae •Fn,eaY w pwrae 1«wYmMI a.mmm des: Iw: W Im
wr.r.Mr wa wiles iRma.4A mmm PNaay ever ri,sm,r„r bMmmnla,r «m..wmwe
uu PrtArnY'~ IN IeaNRM paymems n gmued sane m w Pnpmy. a aY: W preMUm (wary rra NI
'mwaoe nyuirel by ler4v orb $nlim 3: m a) Mintage W.vyrv Dnallum. d ury. w »y suq
WYabb by Bwmrer w laser k Iw tl.b paymm d 4angap IMUmo pm4unin anweae¢ Nel IM
provww olSmion lD. Thve Ilan. nc4lm'Pamor Mans.' At origiwkowvwrylime dwiM dR Unro
a 14 Loin. Law my rtqun da Caar^ilY Aasmalm Des. Far. ad Aulwwe. it sly'.4
evmvm M Bmaxr. as secAawa. lm and raramnu Wull b a Ebur llm. Borlorvah4l pamply
IurlliM a Lender w swim d sob pas pemrma $mbn. Bol.orv alWl pY LVar Ae Fwaa
w P cnr bans udm Lrdr Rwnrsya oNitrim a pry Ne Fm41wmY m aH PAwr Nema.
VI~mY •'+in Benori aeblgwien wprya Lab Fmh for way « all Euaw Ilam . mY woe
IOww.. ~4,P.,..ar-P.e.a:MwlP,e,MIe M.c uHIMaRM lnsnuarvxr awn 10M IMI rygpe am laPywl
B'
Anr P,rn wa m.r nlr M k wriarM I a. ewmw owl pa ailmq. rle tad
o. ~e ewes nm» ar„. Krn p<rmw. d Pr.M I.r ,.e py
nA. mgare. Ma ~~ L.w. ra<iw. r.rmane mrd p.rman riab [ton pm
wnm x Inrds ms .abliyvrao rmM awM pymmu wdnpsrae nuiPM awllw
all pryrNCw M aml 1 n•'p< s ewes. as agr®wt mM+lma i. Mk S¢vrlq 4wlvmw. u Yu pnrMe
one yremmn• 4 awn in s.w<n q. a Ik,nmra i. Mlgrm n pW Pamer krm arrmry. yorPaa
w Hwarra lad n per W rrlpr.e an. M m Fa<aor IPe. load neY' etaeer ia.ipu erne
Smwn~ u W car .rep teals W Borronsr dYl ten M oMipm unae Swim 9 n nP<Y m Iona ny
,my r.rek a. nerymanr m.Ins.I nr ~mrN.~wl.rr ¢i.mw
w Smiu 15 wa .upon +mp rewomlioo, Borrows dull paY m Lady all Fsav, am in aucA
e<w.. I«riroa ones w[ salon Y.
amnnuraa reaY. a ere. mll<ra Ya/ sold FueA k m alNwl W mffeieu b pnml IoM n apply IM
FurrM v IM line spwifim wAa RESPA. W ml not m ewem IM mmimum anlolrnl a kme can rogiM
cadet RESPA. Isroer andl ®maa ac my d Freda ea on Mc baia o(artmu 0+u am rmPnd4
e .ran W ewwwewm d Ynwe Paesw Ideas mrcMVia m+®Narrw run wppis.ele
r• rM Fems veal M Mla in n wliwtan rrwa.pmia,ro ~.anea q .P.aed ymn. immmmuamY,
r sbnlmba Im a t.eda. is n imMwM reoee Apmiu .w urmraH w nY FWaal Mare
lnm sBuM. 5.,+4+ WII Mply IM Purrs m PY IM Ficrow 4w roWerrMnlb Irma apsc:fM uMe
RESPA LNXr Wll cal rlrrge&muw for nddkg vd yylybg lM FaMa.mwdlY mmraing Me mot
ring lM Esaor Iww. utlma loner pays Hmrwr Wares w Ar From W Aypweb Lr
Pmen la'nae matr awA a asgv. UMCU naprmontumm[mwalkgw ApPimM<Iww renddre
M rlwa ,., Ne FUnd. lade mall m M saprm ro pW 9vnrwwy wmsl m anirrg[ w Mc
vna. Bnrmrv W len6r ran agme n veiling, ro s, Wr mlaw dtll M Pie m sM Prn4 Iader
sw18i.<m Bvrrowcr, viMan NaPv, n amW avmun:ing of sM Fratls u. y¢im by RESPA.
If reeve is awrpwdPuvd MdMresr,m OM umn RESPA. Iunur dal aeopo abrmwr
ss rmm in ondnu r RESPA. it WnraadwMg.d Fwns Mla in error, MMfiM
naa RESPA, larub dell mify Bormwe x required py RESPA, rn Bmnrs aluX pay n LmLr IM
wwsery n mate W Ux: dnW ie ecmdaom vin RESPA, Mt in mlrima oar 11 mpnNly
a. II Inne 4 r Vef4imcY d Fund latla n rxrov. mddird ads RESPA.laaerswlnrtay
~ av a requred py R65PA. cad BmPU% awl paY re LeedV IM amaW namury w make up Me
AYicimry:n nmram viM RESPA, W is ro rare tMn 12 w.My wYU~n.
UPrm pWmens .n (WI or all aruUa aowlua oY Ibis Smvuy Mleuraal. lode AYl promply Nw6 n
r wY s'uras MM pr Lrna.
A Cluym; Lkr. BmPVrdW I pay tlI uu. a+naUewU, tlsarp, fMa, am imp<akiwv auiW We
w IM PmpenY .Nd rw aaaA prier:r owe M.. sewrwr Iwmmara. leMnda wYmana «gawm m. m
aW PmPnr. if wY, am C "O aalrc4liue Ylrra. Pre. and Asmamens, it wy. Yo M<arw W rem
itrn arc Eaor Imss. Haeaowdvl py lever k Jr le+ernr psnAa k Soelm 3.
ennWra awl Promvar aim+me<aar la naatll kn prioritr veer one smelly Inanemt alma
&errww~ IW yaw i 'y le lpe prymenldlM ebllgalm lmnea py Aelim marmmv+rnpmMem
Imeo-. 4n edr w long a H«mrr k pmlw.rbg cash ageellMU: dl ce.MHa w Im in gum WM g, m
aefmM aeaims wfmmrml of Un lies b, kYi prumangs wiN in lanr'a opmioa oprae w pmw sM
mformaunl of Ne lis rM1Be rbea+pnemoMngs w pwMng, MI ony roil auN panMarp aemncnnm. «
k) saurm Imm rM Mda of W lkn x yrmmitai+frwy m I.eraaer eupwdimang sM Irw m Ai Smmry
. I( l.enaer anamirra spa any pn d ea Pmpv+y a srrbpn m • lis MrcA an won pnriry ors
sngmrricY Invmmml. Lspe mry pu Horsrxarmim isbalYMg are Nm. WWn to Ly[o1rM d+sr
rp Mal rc<I bgiww. BOrtovo Wq umY Ae lrnaMtewrwm«<dWmiomw MN don
m M.naxwmn <.
IOWA..s:yk FamdY-Fwn4 a[mTreaaa M.a UNPORM INFRUa~.T P<w Mle In Pnn cgsaP,Mml
may rtgnin lkrmwr w Pr a Pro,lan w.g<ror a eel ml.m lm rairrranx Iwww mwna{
,<w,rc was br IaMr in ranxcvon via Mk Lrw.
S, P..wsy Imunew_ Bvlmav swl koq Ua impsrearsru ro.einingw MSafb umlW an lM
PPPar inawN yaiw ka 6Y Rae pavds irlydd W:nin rM wmr'emam wrmY•-va anYam
nMwa[ immirM, gel rm ramtw lo. eWaege.Yw w nom., rm .MA larasregnirm wwnm. Tnk
' swrwrm Wn M mP,Wma b tM amxmn lirclm:na aaMwMl< knW1M w r« un Pa:,an Ica Lwtlv
roquirm. wMt loge PgAru puww to tM prmmiee wmmrar clurge am:eg lMlusls ellM lww.
Tlr. na.nw ramie prPwdrng lee 'al+arama ,IWI m Wrm by ewmw wexa n Lamer'[ Ngnt m
AMPpoe Baaoac~a Nam, r11iN ngnt M¢n m MmauaE weeMrrdy. LPh.wry rtgnin Horone
n pW.ammamn Mm .<iIMn W.xm<ioc d.geMnrmd wma<pmWn.:m. wminmran
am vat nr M a Ica cWree Ica (boa zmraNVOOmim Nan¢imnm emirs am
wermwrengenarWU dad ame wu^+PDk9 w aauiW rAmga eerr Mid rwmnably wgb alley atl
« rcni(kxron. Brvrovc dtll aba M rePaaibk kr tM wYmms d wy Yrs nrrp«m by Me
~errnine rmm w wlw~mn br Borrora
r LwawS~iun eW Burrowriwymac-IciWabunerwubliwtionmp«drsn mY panicWV~yww
aW. 1DV<Iw<, Pc camp Mtll mss lend... Mr wgM w miepl w+pouv Horavumr.
rM Yropeny. w IM memo dam PrWwtY. Wins wY enY. Irarvdm4diny we
migMwPS We greyer o.4aem wreryelMn cam PrtrkelybWlm Benrwradwwlmges tluarM mud
covesgv w dlmnee mqM M{PiftwlY eamad Va am d rwUrrrc My Hwmwr mrrla M+c
oMa'Maaro~nw~rsy ammw a4MSe0 by Louder m6r spa Smm 5 Wil paonre aaairiorry aM W Honuw
wnrsn by Mr[ Seusiry Imuunttm. N ~ dn~Maro~r v Jn Nwn var. rmn rM dvs nl
winpursmWx awe JI ec PyaNe. r .saw, frwn Irraer m Bwrowe rFrwMg
ynlw.
All uaurara pnMin rtquirae ey I.enae am axrvs d sue! yulcrm Nnl M arrbjeel n Lams w ngns
Aaappmv<Urcn pWiriw, dYl mrNrA a [lela+ra vnngye cWee. aq dYl mere Lerderamon8ya
WaM v m aatisiUrral loo Pyw Inge+Mll Mwe IM peM m Mla rM pdmiw W rarewW «ninm. If
lame roquitm. Hunww del prmwllY Hire m Leaw tli resign d pad Prmiwm uatl rarenml noiim. Il
HermrN ubwm my Yalm nl iro mrnW. ml anw~ira rryirtd b) Lwdw. for dama8e m. a
bnlmrAm W. sM PmpcrY. Urd pdiry awl'ctladea nvream mvngaP WSWaln dyl non<[andev
mm~gym wdlw m n manimW IoM pays.
n IM even of Ica. Honerw [ntll grm gasp mnai n IM inwmee sortie am Lane. Lena[rrlray
md< vra+ a boa H m meM pmaplr by e«.nwer. un4r I:nae as earmrw «Mrr4e yrw in
riving. wy iMIWarWp yramna, rpeMr « na IM rrodswyiry isrrvn<.m meuiM py LendeP. WI! pc
aPp4a rePwdMe vroPwr.'valaMa«aan maepMr bamm.riagrmaMk as laar.a
~olY is~mt named. Uurirrg cad repair utl rtsumim peeaa, lade dNl Mverk rigs w Md swp
' Pleat and tana[r nu M w apPauniSY m inryas such PraperlY w aawe IM Wmt dM ben
wrrglaM n larb'a wisfman, prodded aw SUN mmamu AW Mwknakalprorgay. Lmdsmay
aimure paeroda far Ae mPus W rmauNion b • ain8k wYUnll w in a aim of w^6ms PYmmn n M
wrk u rorrglum. lM av w yreunM u nmly k rs4ie8 m Applimp4lar squires blots n M Paid m
il.w,r~e prra.aA. Lmdv del nu M nrquiM n wY H«rora err irPmra wururg.m arts
pro®C[. Fm M publk djwun b Mm pwiu relanW py brrovs awl m M pea wt W IM
rn a peed[ MMI M W le MigaioP ul Honors. N « spiv is
.<rrawr:muy Ym[a4 0, [des, arwriry caw a Im,ama. Me kar..rm pmm~awlp<,ppimwa<
wma aeannl q tMa 5aenlr lrwnrPlnl, wNM. m aatlm An, veal aw o.am, R ray. wia n mlrora.
scan b,«.a Prorrcd. Wu M applied in un omr Wo.iam M in smm z.
IOWA-airn4 Pw~y F...m Mmspreem Mm UNWWINBFVUeeAT Perm wsp Snl ~ eo/1<P.a~,/
lrm mn ~aPr ~Y^~feMCr mmi Wos ~rregnul hmy e^.
nM oeww rn raw a naW. rMn la.eer arty n+s«w wa sane IMa[pn. ere wady rmka .ui Mgi.
en M. an' iswg;ww. W<;rMrn «alemw agnireaW Plewny wad smbnuwearark<.
e«.gnw p<~r 'W.. ro Lne.rweem`.or..: ngwmwy :nR,nm w«,makwwwMnwneena
I ' narrow upaid wra<r IM Nate w Me Srwiry Irvwaraal. W WY ny alar of Ppr.orer'a rigNa IwM
M rigpr w vna' rdwa d u arW pemhrm Pia y Hramrra urger Yt Waw.ne pWSnm wrwlg me
PsP'^Y, bs<IS M rrrd n~salw lPpadklo deewrege olsM PropveY, 1.<rrias ray uM dr iauumee
pm«<d uIM m raper or os M Pspwy m m P<Y anreuw rry.ia Wr IM Mott or Me Smoky
Inanmmu, rMb wwl Inn dr.
6. OewPSry. B«rowa dJl ampr. etdpd we melts Pmpaay eHwrorat pveiPlleiLwe
nW W Arr .na aW <aa<wim d aav "-r Mknnnmewd~t<aemrmmWpYlM PmpwyM
en„mr<; a prbrriPl rmawm rm w lees <w ymr dm IM ar< W rmrpwry. nw. Lmtle anea.ec ages
rneMg, wkp <mall des m M n.rmmdy rnnpel6 «Mw[ mwm.kg erapm.waa eniSZ WpnM
w brYOm Hormwr'[ mnM.
). Prearui«I, nWelawMe ma PwrU..k~~e~bn d+pv Pr.w.>'. lvwellola Hwnsrs anal tut rkwrq,
aaP w'wwv Ur hopenY. Um. IM -'Y+•Y n aseriorae m meal swam W PmpenY. W'ealar er
rol Bom.v u rwaing M vn Yrvpeny, Hoerouw seal mawkn IM Propsry iv olaa m prtree ar Progeny
nn rlMbmiy w eamaiy b rab<aa n su roraisbn. Udw it b Mawrma ywym n Smim 5 rev
rRa ~ mnrarimlY lmlMle.Bmmrednl l<mipsly mykrsM PSpmyireamgdm
veld u ~ Eelisieranm « armge. IY ircnmw m oorraemuion prmsA ae pee m mv.w'wr tits
mrrregr: w^ eP arc lakin6 W. Me PeUPmY, Bmronn dnR M sapue;ln for repairing w rmor:M Ur Pmpmy
mIY r( foda hu NmeM procrade M sod purporu, lam rmy aldrrrM Prama+Ica lM rgen W
^m ~ uyk wYmm w rn • arrsea dopm{ma pymerm m sM wA b oonrpl<lea. II W vlswmu
w mnaann.:orr p, d, rr wliaan trpir r.mn de PmPatr. mmwrnm mlwma
Rnrmra a dXyuim M the <agln:n a/dud. sPb m nverviw.
I<wm o. iu ages rmY mde s+mmMe mriw rq.r aM impr um of sM Plupwy, 11 n M
r, lwtla mry Inapm Me inari« vl Me impmvmeMamtM Pa^PnY le6Yawlgi.c
m,.,,. ooane a me lime d m wi~m amt w bteWr imprlkn Wnelrin{ ink remrMle mum.
. Hrm.v's l.an Aggak Anvrs del M w aehr8l ir. arbg IM Low ggrlknioe p.«wa,
Hmora w wY p<r+om m anlYm raing a tlU Greaiw of Borrowerw Win BNrovn's lulmkdgew
Wnl caw maesdlY Inn, rdaladiq, m rras'xawe Inlamwmr w wwrm n Lana (e fibam
ra I.,.a._ . m.e;al blswpwl b mwr;err can dr Le.n. wrmW ,.P° mmrarw Wrma, w
nm Iv,Mrtpmrmmavm wreming Bomwv • a¢ryrancy d Ac PrUwnr w bmK s pdvipY
ssr f~Yrwmloe er I.eme'a lUeeauq ro the PaoPnr eve 4lelva Uear rW Sasery leumr. II W
Baaore iula s< pesorm tM ro<enwn W ysnWpu mrvalntl m IMS $muilr Iweuma. M) Mae k
leg.l pnr¢Ning IM aignt nignibwily ,arm LnWr'+ irveamt in rM Prgetr rN« ridrurMer Mir
Swunry sawn lace M a pnuemina m bntrymy, passe. M mrAnaman w ron.kwe, for
e./orrvmrv d a lie upkp mry auain priodry o.w Nn Sasritr Inawrmens care Morro lava w srylawal.
w IW Hvrmw TO rband«rd rM Proper. Ave tamer mry M err0 Py fro WMrvsk rmr+b4m
.ppspnvv m pmr~ !war's misv are PraPWSY wagka .sea Mid 6wwriry bmrvnrena nWMreirM
P ~rn N~ ~ n~Me rang tl IM Prapeq. wa aeraving nyw.epamq sM PmpenY. faae't
srca:r k r; lM bniee lx W~Pykg car mramrma py .Ike won pr pripiry own da
PropnY amlw appearing in oaru+; (d wYr^8 mraW W woraeya' Wa n Prmon as brrea In
ngMa W<r Mk SsuAY Mrarr.al, rwmml in acurm Poallion inrpaMnp[y
pr vdrng. gavring tlc gymrylrc4raea. Wrierw llnrilea ra. allaing de PmpmYm cake rapeua.dng
wad ~r<ylar « paw w errs as rider[. artk .cam Ism ^pn. <I:nina pWMingmmlu rode
riwa r a.Mrme awn:iom. am n..e wililim awd m or orc. Itnorgn lacer mar uke aeMe rmoer
'w 9. Lemur dm m Masm do m am ores mdv wy Airy u. upligwbn ro do m. It k Wcea Inr
4.dcr inrm ro 14piI:Y I« roe sdkg mr «tll anima wrpenae reeler Mk Smion 9.
IOW'w-Sinpi<FVnaY Fran MrlPraOee sem UNIIORM IN4FVUMpT F..~NI< Int lyyergtapyas
nny an,nmw eubewtl er Lmas mom dbsmmnplwlerwra amnraw ere,d Hmn,w aaum
br ma sturdy waw.a¢. 'Iba< .rleMa awl brwuewv a Mr Ned we l.wn eM ear d eiM,r,W.rrw,¢
era des M PrMle. nm men ieWaen, w<n Ilaks stun Learn n bnew aq..rina pnnWa.
n swWrey bRtWame la en a kMawa. Hermr.r awl «wpr vin WI w wmrmem of W lade. Ir
Isorrover Mqurrs fro risk n alr PlaywY• rM Maehela va eM is use Mbl ml merge wiles Laser agss
la Memry. in rrilbg.
- M°r Wee Imruw<, I/ I.mAr eeyis6 Mor1gW Inv.rama v •cudisimdnukbg rM LOw.
briars a1rWI pry IMprnriua rryurlm n mnmaa IM Mmy{c pecvrm In tlsm. le. fro wY reswa IM
NangW lnwrrcp w°cwyu requlrm q Leine mse n M WeWple from W mongye kwuer sky
Pawpmar proriaa ~iMnl.lrA.m&xroWr Wm rqurrmnllekr apamtly aMigmrm wrmwu mind
s~upmmiwm la gW Imrewce. HPlavvr del pry rM Ps^i+w rryrYba n aMan mwert{e
rely mwvaWe m IM M^^iye InaWU¢W pmrbmlY M eflat, u • spat vMVaniWly equivaiw so sM
w mm.a q Mn Me.My<ImPmr. prrkwy in arm. Ymm w tlar.w<mmeg. nwnw+ekmm ivy
Loam. 11 wpka.ia¢y agWwlan MoflBye awwrm cvwvye is rol waildk, Bamw [bw cr.aa.r m
PY to Lena ar knarxn W IM aaamrawWmm wrmea Ma wee Am rem lM iuanm mraW
m. Iaaw rRl a¢rml, w d resin tome paylrwu M scan-rtivW6le Imo scare 4
iwdMOngyo l<aieurwm. SWM load l<srr<MWIMw.rtluMtlk. mlr:MWmingtM frl lkv M<Weu
v wrtly Pia b IWi, ma loser WllldMngdrm spy egromrl ny ulemtmeamiW mwdioe+
Md rot I~r ra ro kaMer eagWs btu rev.re paywaru ilMmPge lrmrrav wrrswyslin lM anerw
pmm Iles 4rds r<quir<O powraea DY s irew stlmm OY LmW +gwr beexau are4de b
MlaimJ, rra Larder rgPim ^epsmelY Aaigtram car^w+a loran as p.elira fa Mmgye lnnrvae. II
laser rpwrm Menpgr nm.wm u a med:liw olmakMg rM Ion an Bmnver rr rPWratl m malm
w amtly tloiirwtl PYmnu brva Yle prvWWm fm Monga{<bramerm. lbrsw+wl pW MelPmniwm
rained m munnin Nmaye Irwrme in <IIm. m m Pmride n ronMaradk by more, mnr lawreer's
rtquirmrms Ynr Mongage Inwrmm ems m moraMm aid mr rrioen yrmwt prrmri Rvavw am
larvae prowiairrg Ica amA Mamn w rwa wnnura:rn n rmleM by Appiebb Lev. NoNbB k asb
Swim IB aNm. Hsmue's roligvim n pay Mtam v IM talc pmvnka:r tM Hole.
MmBW b[unw iamhur+M Laser Her wY mny ebal Pvslaam eM N~e)Yw tt+svn lw+e ii trey
mwr J formes aem m ~y W Iww w agreed. BMOw b U« apasy n W Mayage lanrrm
Mongye "v'e°* Met mW IW m all does Iruurae in Mau Ina uma m tests, vin mY ere
u agnamanu dN olKr Prom ells des m modiy Jrn oak. w MwF lol[m n• y,marr,m n on
nbms W wMkixn Mn m a.kdavory m Wv nm[eW pwre W W odnwny (or Preis) n
ysaeru. Tw ymmwrta wry syirt IM Unnge{e imam b rPda pryavva wbg wy +num d rums
Ne nwwgag< imm mar one waikMe IwiM1 mry include IurW rttanlM fmn Mongage Wwrvce
pranimW.
Az a scan d spore yromrmes, lelen, car puNwrd rM Nerc, arndv imurw. n
I mw (or,m•gN b~ ~rcw~ad +ra' d sM foreg,ring, rmY anm W (ar,mly nr bnumlyl alrlormu IM dwi.e
~ ar) a Inniwraf Bono.v'a paymnrs Ica Moneys WUrarre. k eaaunge fu
[Mrirg a modayry sM mongege insuva rvY, w saucing loxes f vrA ysmWlu powMSlbun
aMKrIWe of larrden Ww • dye or eM nwuera rs[k in eumeP ImaaW d W
r sr. Nor vrwgermukd'a MRWa' Praniner[Pia mats
n IW Aq cad rytiw rtimurane." Futon:
lrm~ s WrttaMriRr Nm Waswm MmbmwrW ya..a Wpey Y.. Muyap
rY wa +MUaa.rara been. Sad apemn riY m imcv. W am.r brow raR
eve Masgya lewaeu, vtl Wy rW w ewiMe bmreN UUr Sd¢m.
N A.y aeela aelUama rl¢ w WYm W Agbb Bonerw w - 1! ny - wN waPae m am
MmyW lamrvoe< Illader W Na.uavn PrMewn Aq of 19M m evS tlhs Wr. Ilse ri~ rwy
Yaude W sl1At w reuF< mania oixbmre. ro sP•ws aN ' - " madleelav d W Ss.seagc
1®uwu. n kave Mx nYniyn lsWaAU MrvSm au+aemr4Wly, rrrsWx+s rreire•r<famtlmrr
wyaA lnureme psawm Mas wraae uwrwa M He Skne d cad raaNWie<x acrekmtlr.
IOWAiagk PrMY'~Irmb MrnTrWek paae L'NYPO¢M 1NeTRUMmaT Fwr Hle Ndt /peaglapyeL
~ ~~
1. wr¢evara wMkeWanaw Preasb:Tewdm~wll Mi.mu.wn. Puna..: na<OY raigra
arm 11 .no Proyrny „ammy.e. wa uedlvnaorn Prommawlbe ygke mrar¢enmmP:rw lM
Pndumy d IM mlomiw w lepak k amvwinlq lmibk ma lever's seMlr Ia mI karma. Dunne awA
sr am wluwsv wood. Inver dW Mv¢ Ih rigM to heM tah Niadln<cm[ Prwaaa dil lender M1a
nad w rgpme^iIY w imgu tuA PwwnY m avrue tle rest bn ndr mrglnm w ladv'a mklavian.
pru.rawl bN slid dpmmn YWI M bmen<kvl prvnpay. L<.m. w) Pay to. a¢ ¢pen ¢W mrorvibn in <
tingle OnbrarYmenl or in a ww w rew payv4wa 4 era rah a emplaw. Unbu n yraemml ii n¢dv
, Appirable ler rmara iawa w M pad m arvll Nilmllmmus Pmoaem. Itnacr aldl m M
rryW woes w>' Bormrw ay huerm aaaakp m armh Msotllmmv Pwaav It IM muatiw er rmlW
i ararwinllY ferAk « Imr'r. elm^IY reuM % bird. IM Ndwllrmn Pmmaa Nll be
applka «iu me ww aemm DY alia Saurbr ImPVrlrmr. Nab w rrm ban aw. rMn ar vaN, i1 mY, Pala
rn w aPn+amds NWl Mamld.n rk erda. werea form Smwe Z.
bolradivW wkly. iunnsm.w Wsiv nlw MlM Pnyalr,aM Mw.ell.rm.a Pwmh
e s mpld ro svw emrn0 by lniaaewrilY Im+wwnl. r1N¢rm m IM due. von bneama, x
ar I wia w II4mwM
r a wool time. mlrunkn. or:ma in .Part w ba PragnY ie void d fW mrka vans
fM Pnpeny imndirNY Mlm IM woes lilting. awwmm~. or bra 4 wlua is wp¢I m n gwrv ar rM
I of as ww x'ura0 D> m~a 5acvnlY Ilevumn Dlmmmr bwae Ue prt41 duy, amr.Wepa. or
m " unlaYe Baww rrd LeM ofMraa agrr in mtg. d¢ wnarcW by bk Smnay
mmI iwl w weave q m< M rM NYMlrru Frnram nWarplka q IM ubv,.g rranm~
w rM foes Nmxr M err w.a >awaa i xdiaWyMm wapm4l dry. mlw<lim, or ku b.nw
M lw rM lak mrkr value w fM Pnymy 4mrmiarly bwere a lanW dint. amlmnion, a laN rn
ral~wnv bemx¢ <narc Rpaid m aearoww.
evm~ I a PmW nAiy. 0eflanm. m lee •~ vNw w me ProPrIY i rYUd Y4Ikr mrtua vem
ar: rrrlpmr rwmmnely blow IM pmid dmg. eerrmrm, w lm k ww w ws aas ae.noenl nr lie
w rwwa~dg b<fm d pwde I+iy. adore., m 4N 4 rWur. mxa sa.mw w len<
w~.gw in rnlwa. ar Miualems P>wanA del M awem w tle slices amw q lai Srday
Iv rrMhvwuY¢wmaart firm au.
oar are Paprny u abreoam q Benor.r, f. by lab. m Borrow rw Yre pppermg
rrr /o atl:nm m k mnI auml orcm m wke m area m sob: a cl:m Fes e<s.p. Borrow fat m
r<,mla w !.axle vimiv 30 days do ale doe ar rwre w 8ivm, lade is anmm w dm m NNy IM
wralwau Pmwms <ibv w wmrusa m qWr w tle PmwnY a,o ae Bma smvm hY Iw Study
Inawmem. rMM a "Opp«irrg Pmy mw Ibe IIiA pay Iw ouv Bonmr
MWWlvvrwi Pre Vsre. rl+e wnY y<nrl rkan Bamvv DUa<sehl nl aun ie rtyMro Miawldmb
Pn Mecmar Y n dewlr if nY r w p~e.y. r m.dw. u ba8w rbn
+ ludavl<m, ca41 wWr 4 forfawrt w tlw Pmwny or d ingwrrrml ul leas'a rnrm
~ PrownY or n8w uaPer Nis Seamy Mnmrx. Borrow wrr cure •,..e a hrdl W. if nmledbw
m Imvdm in Salim 19, q eruq M urm m pvrs>n6 w R rY<mk<mvd a
rvling rw~in ler,4 's IWdrrrml, Prwlvda lakirx of Ju Progeny aWb mueriY u<y<vlvm w Lmder i
Pmpmr n nyxx nrk. ma smmi.r wnwyrt. Yoe prewa[ or
amryaNn uibaubl< w u4 impkrmn M lemv'n Yllmv ia,M PrPPrIY lie lrrdy ""igroa m
m be win ra lanhr.
II roll Mrwel4revua Prrvds rw u m aPgd to remnliw wrtpwr w IM Pwperry slxll M ylarm m
Nc vMOrpovida for in Salm 2.
IOWA-drnek FamuY~~Pres MrTamk Mr UMPOBM INBYIWAmvr Frr N111a1 Yw.9dYagW
t.r<o.w N« t<I..m.a; rrbrm>am ar L<var Nr. w4.r. owe.aiw M ae lwa m. wrn,wr
rmairuwn w anronid~m w IM vum amrm q Yak Seeuaay Ivrrrwwr arluuae q laMn w Hwmwn
v Swmwr in 1•uael w Bonmw rwl m rpenu m nlam rM I¢b.lirY M Bnrror.r w mr Srrmrnn
I aor<orv Lmav sndl m M wquiml n lee woaablg agkx any 8u<mwr in
InlMU rJ B«wvn w w Muw b eadd Iirebwrnwa nr an«wiMrwa)smnidlm MlM Oarru
rnu<d q bu Srrmy W val q <e¢on want amrm maM DY u4 origkuf tlemrr m s.Y Smnervn
in Infaa M Uurmw wnY forhmwme q L<nder b •e«ckbrt mY rigDr w.s.sdY imlWiy, rbMm
m. leer'. sapre N Pmwnse Imm rtie wow. mif:r n Surmrv+sv Inuw w farrow
Iw, am IM,mwn bur aw. dWl m M. rai.m M ««wrra as maclw ol,.y rigll m
rcmear.
I>. Jer aM a.wa L:abailY• Cnalpren: Sraarnm JrarlCS BnwI &umrrmrrau wa
atma Ysm 8mmrti a dliga<iwa <m 14wlky aWl tr purr >d wul. Ibrewr. WY Banorr rM
co-wpr w Srvky Ilwmvn bn dour m vum. tlr Nor k'oasipvr'1: (x I[ oaxgpnrg aria Savnu
Imvww oNY w rm<Igage, grsa old mnvq Ih aNigp'[ k .n u be Propmy lades rFs ¢nru d IDu
Smuity Inuwnen: (bl k m Pmmaly pNrtua b wY aM tunrs:lid DY b+ Semmly Immmv: ena (e)
.gam ux lanrdcr .ne ear ouln gwww mo yIw Inv <Nra leobry, rmemr m ImM mr.<mmmm>rom
rib ¢ga m Me emr w Inb Snvriw Ivvrm m Ne No¢ wavn rM ce-narci s mwml.
Suhlm w be wovui«s w Smlm 18. NY Srxmam N were w lerroxr Mnrwran Bw.orw's
wligwun uMr ms Snw+lY Iminava m rrxnl, and is apprwm ry Imr. del pDwin WI W Boreew a
ngu am bmww umer rNa e_..mp leavunen. Bmornr bYl rrof M wb[e0 Dan Bonovwa aNwaiam
lid lidilitY vmvdlk Seaky lemrnm wmL¢dr ywnwwch rMea4 ie rriky The wr¢ue<s arse
~rmnmm or bk Smvir Imavra dYl Dim ImIgI a Pm.Wa b smiw ml am bwwh aw wmm«Y
r.ig¢ nr ~.
u. Lam Lbrry. Lren may a>y emrn.r. rw rw <[ P¢rwram in .nn
eweerr, wrak. rm ae wpw w pnaa;na landr'a i.,rr, .n m Propbnr w ngMa Owe wa smrnq
Irmrusu. Wlrky, bur u I®iam w. avorneYn' 1m. PropmY ireryalion W vakwim Im le rugara n
mr «w loo. IM.bI.¢e w mwm dMriq b bk smmly l.uwmrl m W.ge, eprific la m emerw
del m m mwrsd r . prddhkiw m me dagkg M aun w. ~mr may u drge rm,nr lie
expway prdiDiaa q bs Sorrily [mnrwl m q Appliubb Lr.
If Jra low is sr4jnn b • Iar Mid atla muknuae bur lorry, arld mu kv k fiwlY iwrpwa m rw
,M ircrm or alvy m lorry alum m to W <ollenm in mumbo mm rM loo e.ma fM P:willw
im'vs, rest. W mY sun bur charlu dull be redeem by Ile ueenan rlw®ary •o,mrrw tN aavF w me
mm4d Lmlr: W b/ m) aulru eraeal oNlmtl Ymm 9amrr rbkbeama pmmd lid¢ mll M
Mudw an Bmwvv. Imo nuy w Io nMe bis MW DY rmr4a srprkaipJ am mM IM Nm
r q m.kkg a am wYn+f~' re Bwmrr. x, Mrd rtareea piripe, aM ¢mdar.iu M nam m,
panid prtpaynrml ribo« Ny gewYmn chrgo (rnMn mu a P¢mpanu <My<u povided for limes
Had. D' wr i uaxyl<ew w ary s«A Mwd mmebY aiie wrmsw m bmmser vJt mn.fisr•u a
ramw Ny dg4 w amidn Bamw nigh mw rbiy mm w rod er¢drg.
13. hialluw. all mIm Nrm glan+ram Laadw 4membe raM1 bk Savely Imlrunenf r¢m M
' wny roles w farrow 4 owrrrnim olio bk Svary bWrvnmdMl M arms n M1av<emn
pivmMnaaonwer rMrr maJm DY lirn cWn mdl or ulrm ara4Y>deirwawBmmr<r•s mmu.ddrar it
Lr bw«mar vqulw merr4c~TM ew names abml R Inc ProwlvY Mdwa uwa Bormver w
acvgnna a mNriww nitre amrvs DY tulles ro I>d<r. Borrorer NNI prryay wily Imes w
Bmmva d¢g a aawa. a Career aPairm a rowantw rtpmlya«mw'edegw amiss.
tla Borrow anW wIY wpn a eMg w earns areugn Wn spenbva pwmtlux. TMe may b mIY me
drigwm uim aawi uder Ills SamritY Imalrnenl L NY mr¢ one. Auy miu a Ims dull M 8ivu
er dahw•y n w er w>Ikp A by r nor m41 m ladv'a aawa lira oven mkr lave. w
anignad aalr adds M Mia Iv ennw.v My ewv in oulreim rte bie S.curilY Iwmmn dWl
u be drrrsd b Iwe ben given n laM mJ >urdll muived DY lures. U rake rgr.ired q mu
Sawilyb wrteWrWrxeer Alglkmk lw.rM Applkrbl<Lar reyukenm rill spiafy rnr
meupoa4g rqw r¢reex ¢rmr bit Svmkr lwwrw~.
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y Irv: Svnrbrliw: R..• wCOruw.arr. Th w gvervd q
~' r naMr re adiauf ua m+reiM
xlewga~ w nnY ¢puiwlro[ ve 1rrDlakena M wpplkmk tor. waPlkaDle 4r
mryxawpr : r Inv impnalry ebr be pen:n re yrw br mdara or it mignl b<[iwx. all limn ailwmawl
r • prohL'vim a[aiNl yraarren q menu. le ds evm Jw er pmviw woe w
5«uriiy lw w de No4 mnflva srb wppliop4 Lar, rod mrBV awl u elm wow
. biaSmnlY lmrwnum be Noe rniela ce De aivm Mlm riaestM mMlemg pw4lm,
bit SwunrY Mnmm: W e¢r6 nrewin anew awl nor
o. mwI a ar ImrWw saner: w row 4 be wyrarbdl turn am kclme
M ppkwain,me+icc .cr:,: .d w alru rod •my Prvn.x<a4enm.:MW .rr nMiwimwd. cry
s Bonuwa.'.Cpy. BorweeYawl4 glom ero mlrwsM Nw>e wahs S.mkY lwwnvc
le. r.wr M aea Pr.pmr «a w..lm.l !curve 4 mn..e., w. r b wa smrw le. •Iw.a
rmwnn~' rnwe:.ry lq.l m bwelm4l i.: . lM P,nwnr. irr<ermna. an e« lin:rm ae. ara<
Mndcial ' r4nkmd ' a bad for Oml. moon by aW. ' llrmr WNmnrracl a «mw
I.IM mmrl nl rodkawaerwl:kq apmrw «, nnw.err m.pvrdmr.
ll el w my Pam of II4 P,opny w my Inrvr 4 IM PwpvrY s wM m valved wr J Bvrww h rd
uN miPn n a baoelkial rmem b Bormwis da wrmalmm)rilbdv 4mr'a Prrmrviucn
w irmnamne wra. b naI M W rIm ae4aa q Ak smrnly 1Bln.rr...
nie uwiwrmWl~ina be<utia q lmr if rren rrer 4 pvaib4e by Amliwble Lr.
n op4n, laen awl a+< Baap.r me: w .~¢ooe. >,re nwlw awl
a P••rmm o1 na la Ibm m e.p rwm lie e.. rr ai<k gives re rawma rM. smkn Is.xl,b
rdr Bar.urax mrw pp el corm Iaavea by rha Smxuy Irwwarv. If bwrr W1 w w1 Ibm auw
w iM eeP~naon M bs Pdm. lwrtln my invoke arrY awllaae Pemeua by rya Sr¢vkY Mrowmr
r wdrwdw Bmerb.
mwc tyN 4 tdrds Afar • - - .11 Bermes ., Boraowr
MI nawMilw nghl ro Y¢ vnfnmwm w uia SmviY lmknum m<mrrrrwtl a nY ru.e pow w Ne slim!
Ial (ivemy. Mae rk w rM Prownr porwan<w mY yow w de carepoa a Ihi> savnly Inslrvmm:
Nl roc rwmliMklar miry yalY lm rM rrm:rimwBvr.rw'criry wninrde; ur
k) w • pap.rima wAV<kl bin Smuvy Irmurm. Tore mMitiona u m¢ Hmervn. W wit
<. .di a4m void lam are Mam war mk loony umfru.wwlM Nm:amrxmnbn wl
e«.:..m: al aw wy errwr w mr wit. mww,r « ymnaolN: w Para W mwnnrl :e.raea 4
rving rvr swwxy lmmmre, w np. D4 m Ilm.m m. r<.oa4 a«mn N.a. panpnr ieym;m
m fm, am prr ra imwm b. de Prprrwa f+«mag terdr'[ kr.a in a4 Pmwmy m
r w. smnkr Iaroeev: ad w lien do ann. a lemrn4y wralW Y ny:n b w a.I
I<emcl.tlnrmm W ae Pwgmy .d ngw wr Fria sam;ar kenmra. w ewlow<'a nxig.dm I> Pd
eanma q for Sawkr rwnwa. rwl amixr. rrtae8rd IamrrruY rgrin allm Bor.errPm
rc~ rb wPexa inure w we orals w)b>ng Ilwsu. a Wam q Lmar: Id marl:
lelnmu rmrnkl wru'id Wrk. Durk euem. lwgm'a dem m <aeier's Wd. pwrew a lid rlvck
., rk..n YSpwrw rhw. emalaa irdrmq.leawel ya¢y. kvwrveily or..iry:mld
r P¢rm Trwf Ulwx mmvnaaagBdmrv.aW Smelly Nermavad odiglrw aeu.d
k ercmkr a H m• anNVVia ha aavmW. Morem, min right w mwd Ael m
+PpY ~" fbr cvwe w,aekmion wrier Sturm 18.
IOWA- [ y.Parrlr klaelM1OllY Nee MIrOtN la4ilVlm<YY Pr¢wl1 INI 6a•YJ ry NPeaW
L. Sat of Neu: C'AUrg< M Lan Fewks; N«ke w Griwwee. lne N«e a a pan W inurm in IM
No¢ (ngnnn rim Jris Sruriry Inunmaa) en be rod w n. mv¢ umerilnwn Iwier atiw w Po.row.
w lib mgN wWI e a Wog in m<¢,wY R.nrnu be •Ian8wkM11M Wlwl< Wwdic Paynexu
ea «rA. aw Nm 4d bin seariy Irrnosl me padaP4 nhrwaasy. bm...eiea oNiguiw wm.
IM SnvrilY Inarrrueev. arW wpplir24lar. TMre ales wdgbf k pnr a rrmra dwg<s M aM Loan
Servi«r uaelrm w a isle of aM Ne¢. II III<ve k • deg w be Inv Seim. Borrow rill be gees
' bo w IM ckwg rnkn will BIIe IM nom atl aoaim w IM ner Lmn Swim, Ys dmea b
rNd wyanma mauM De mac am any my armrNlbo BFSPA r<gwwin cwrmebn ribaroaow
¢rmrr w Nakmg. lr ale Iwa n vela tw InmanmlM la[n in mrine q a Les smee. an<.Inm :n<
pwchner M IM rbin. tle mwgye Iwo weviny dligauwv w Borrow ral ramm~ rib m. lbe Servm
w M Man[ler<aa to a slrv®IrI loan Smvim>la are nw.aamdgme Nan pwWNr unlea akus'ke
pmvidm DI aM Nar wN.>er.
NwAV Aomw m Ledm mry mmawlw a d lowed w any juAeial mron W euM m
:naivete lhig>n w W mrM.r w aclrl aw.ke M1ans me drpray's a¢iw prsuw w Iek Smoky
Y Wrenn .r Iw ekgn aw IM bale wrcY w braada ary pa.iaim w n ary ma> pare q ruwn ol.
.a smrr:ly D,mn..m. r4 rmn bnoe'erml.rrdr lra. mird rn.mlw ma>(..b wdawwr gr.a rn
a«grram rb rM rrpirrre.u w surer ulweWr el~Ibwar me arrmrem beebrvmr w.w.
wapnrob prim .rrwdgir4g wive. axlmmrre m. BApgksbler pw.en,tia
pwbd rnkn new waw< b<rm emab mwn nn M ukm. bar Ilima Paxba vin ee aeem.e m be,e«ordl<
M. pnprtea w bk pngryn. nor rollm a.ma.d w oppmmiy w ranyrm w eo.mw Pnrsuanl
e smnm n w rr mim nl maerniorl si¢n m eer.ew alnea w swim Ia rel be e.wa w dray
I ra ed mpwmr,ymama,wd.e mim pm.i,iwwbk sn,:err m.
m.Ilaaara<aa ISuDNmw. wawa!. miasekn zl: W•x.Nmm.sa4rm•aam4 mbr,nrw
de(bed a ms w MaWw arhallan. pWlulem, w rave q PavkMmeenl Lar Mdafolbrkra
m: getld. Yafvan, my rcmwaDla ar mat pmMmn«maloa, teas pamwasaw wbmdn.
rw4ik wN>Ma. rrer«ib mrt4uy nbevos or lvnvlaenyae, martlifmra rrrverlW; w'B.vkoanemal
Lar' nom !cried Wa aM lar[of Ae/u^a'W14 rdrt<e d4 Trwerry u tram rW ma n hdb. dwY
wmr prvumim, m •eelwmna cl.mP• iraanlw a r.pw,..aial, rmaial ankn, m
move! c aemea 'r FawmulaM w: ~ (m a •Emiwmmaal cwsmrl' wa amdi[im
da nn raua, amnlribafo n. w dherrkesygn M Fwrrwomw CYwrmp.
Bna.anv dais m ere< w pmait be pmere, on, akPad, awrag. w MeN of ry Hanaaa
aemmm. m mre,d m rerae mr wNanw wbr.lm. m w 4 ba PfPPrIr- eormw awl m a4, .or
mYws m4 m b, arybag aMaGudI bx PwwrlY w da u b viwvim w>y Enimme¢al Law. RI
.vier even m emwrlmaw Cwrrdiw, w w rl:d. aw m Ib pramm. rm, w rtleNeol . namaw.
srmem. claw . mlak;m lw +dr¢w+Y L(au be aw w Inc Negmy. rn. rmea4e Irr,m4we
mxl w,ppy m rM p,ema. ,... m nmyn rm Ilr Prnpmy a ~I Bn>4liew liaamow srMrm Ia
a gmnlly mwtraiam w a owmrwe w Ilmnm rmwmue ~ rd ao wuammuml Inc Pngvay
Imddiag. Du m Ibad 4. bmaoN rrAaa,m 4 mnnmr¢ prvmund,
ahr~nwwil py aY ~~h [ire fasder vnmm smiww W ary urorlWm, ekim. rimed. lxwil w
gnx<nlmWd m rtawnDrY' ae¢¢r w ori.« wnr wwweg ae Pmwny ra Ny
Ndrdrm Bulbarlm a BnriramNW lar w rhd Borrow lee amwl bloNmg. 07 ary EmimwsrW
Cweitwn, bend4g by rol IiWd w, my spillWg. bkvlg airararge. rakewlMa ofMa<al ry
NvodWa slleBllme, kd w Wr amhan cvam er me praam, memMmNaa naaldax SuMame
Hid aa.mdY arcma me rely w IM Prvwny. If Bwww berm, w I[ nnJtiea q any eov<wrrmul w
rviwnorY mMnry, w wy pevd pmy, lw vIy ruorY mnllrr mldusn w aly Hoodoos Subalvo~
ercavn4g be Cdwnr u reevry, Bamw stall pmmpay ukewl namely wnmie aoioaa In vmrd.ly
rxn Fmrrrorurm,e ler. Nu WrrB un~n rwl vmle ay oeligmim m lads w. an Enrirvmmal Cleauy.
IOWA-5gkFanJY F~kMrllnmk Mr M40tN INafBUMBNT pers JP11 INI Ypga ll a/IdpMN
~~~3
NON~UNIPORM COVENANTS. BPrmwer ma LaOr lYNV maew Myrrr Mbwa:
EZ. AmmnBen, Rramh. ludr rNfl do mmr b Baraowr array q aasbrub• M1Dewlq
.. yramar r aa. d.urAY I~r hrN sr pM r amisvb.
mar sal.. lads:~plr.Mn la. pa.iN.rA.rN.f. Tr rrbe aA.ll wYr: W Wam.ac (M
ne.rb. raabroa r rro ar at.ac a. ar. r w rhr M data lwr W oar ma rw n {rvm M
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rpmAra i. ma I.xb< ~ arty b.mlvaa.n.rm. r rrd y rw B®.Ry Imnuew,
mRlr.. br iw:i.l Prraal~y w aw aJA.n.p.a>. 1ne.r4arAdl rYabw Warty Bora.ww el
n{M ra relauare alrs amauarian W the ri)?l r rasa b W nrmyan p.aatll~ r{a
ear aaaaWrrvy rhr maamaBrrnvb WVrba WAaslrua. NrY adm
r nvm o er Edam W are y.eElw bme rka lamrvir yrbA ray eaTalre iumdMla
p>mwt b Full a rl r amraa by rhia RmvlrY larar.r wRlvar fu.rAV ash rd ry
lsrtdw rW Sae.a:lY Irrrwar Alaala:l pwrmb{. lumrahall Yeml4laa baoWea Yl uparr
is puaWM the nrJia pWlaea b rY69mir?t, lutlaalq, Wr r RdtmM rrwW
• rweri fm one ors a eae wreee.
u SJ. RNer. UPYn W)nlnll a rl dun uaxea br b"e 4mviq lmrNnwl.lmbaull mere mid
sa<„mr b~nwN. ' . '_ am =bwaa er.owa a w me Nmiv .w sra4r bwwrl. w mlr,r w
fw ~eaw~ w a m~ro prrr rw w.iw r.namm.r ar amrdv a mr lr r OerPrirW ~m.r APpir~le law.
..,. Aumowar aimqu WNe 41 Ad+a mwa w wW.r al nBla of homaawtl ma a~mrlaa~.e
,m.o we Propny. Bermes w..a rr ndn a aa.lpha r m.he rmpwry.
w. IIOMFSTEAD 8A8MPTNJN WMYE[. 1UNDERSTANDTHAI NUNPSTEAD PROPERTY
M rN MwNY CA565 Ye0'IECRD PROW T18 CIADa60P C[EMTOR4 AHD RAGJPf P[OM
JIIAI AL BALE: AND TNAT AY SNiNI1VG TID9 MOITOAGE.I Vq.UNTAYILY OIYB UD MY
o TaBB noTSrnoN Foe TNM ane.G•eao morsrrY wren [TSeBer To
1 ED DG~~~., 8-~~-~
D I C RAJl . IOreJ
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ANG R l.~ nm
N)WA_ti,np.Fnm:ia..P~nw r.arYwaa4 Naa uinPDEN INY1BUa¢NT F~HIa l Ys rJ graJ.{a)
2a. RaaypNe•PVrm. lime PlYpury is luamw lOacn~baiac uW Leaav wuvr buy fortaWwe
P^~~M uy n{r w a adioenry WNY^i aLA^u Bonow., m. Pmm d ~eannps rmm j.dicul aJ<
aIYI b rmrae0 b 6 ~ti. li UN man IiM Jur IV PrePrY hu We ~m^m M B^'a°u° IM Inmv
'w rnY ngb m adeFN"wry iYa{laen aBama Bmmwr, the period a naNnorbn ImnlmicW aac ahYl be
mmaua b 60 4!I. The pm4vu PI IIJ! SacYOe l6 alWl be mrunNammolormmalN pmasiana of
sm~mN wB.m MJ ezv.n er me erne a law,.
IMPORTANT: READ BBroRE 6WMIN0. TN8 T'ERM6 Op THIS AcREEMPM SINIULD BE
READ G[BroLLY RECAU88 ONLY TIiOSE TERMS IN aTRrIlNO wlE CNPORCPABLB. NO
O'TIIB[ TFllh15 04 ORAL MOMIPBR NOT COMAINED IN TID$ TVIUTTEN CONTMC! MAY
BE LEG•LLY ENPORC[D. YW MAV CNANGB TNRTERMS OP TNR AGRR[hIENT ONLY BV
ANOTII6R WRITTEN ACIIEEMENI'.
BY SXiNING BELOW, Bwro.v rmpa rm eym m ahe Imm W meaawr aWaom b Jue SiwilY
Irownlsn v0 is mY Rber eucrM br bnowr ra um+aal wnab i.
WuMera.
4Y _I~.~
KA A
t~ ISaU
ANG wn»
J
Iw.l -- --- h~R
~.a a,~+~{C.
~ a n fi.~irR a~ or nueusT. A.n /Jaas, smro rel.rr pn4 m.b lr Baia mwr. p+anrlr
ageism DANIEL C. KALLOWAY A.YD .WD18 R BALLOWAY. NCABAND AND WIPE. nrm
pwaaml.Y ham Ur pxsoMr nuaN ort{oiy irvwnen, W rhmwlM{a
Jul bNmariur eemAM IM rare u his/Arlinir remelt/n/}j"~
ISrll l9/1L1~~~0 /`~
PIIbO'v Jr Saaa aa5aaa: I d
~aF C~a[ar~vMb 1A17P
1 GvrrlBa hWr
IOWA-SaN4 Famiy~~Pr4MrYP~waai Mao UMIPOLIINSTBUMINt Pan. Lla INr Ipre /J yiapyd
~~~
The North
Addition,
taken for
Situated
Legal Deacriptiozt
One-half of the East One-half of Lot 272 in Davis Farm
in the City of Dubuque, Iowa, (except part thereof
White Street}, according to the recorded Plat thereof.
in Dubuque County, Iowa.
~~~s