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F E D E R A L R E S E R V E BANK O F NEW YORK r Circular N o . 2 8 9 1 "1 L January 11, 194S J GUARANTY OF LOANS TO VETERANS PURSUANT TO SERVICEMEN'S READJUSTMENT ACT OF 1944 To all Banks and Trust Companies in the Second Federal Beserve District: Enclosed are two pamphlets published by the Veterans'Administration, containing regulations issued by the Administrator of Veterans' Affairs under Title III of the Servicemen's Readjustment Act of 1944, relating to the guaranty of loans to veterans for the acquisition of farms and farm equipment, and for the purchases of businesses, etc., pursuant to Section 502 and Section 503 of the Act, respectively. The pamphlet concerning the guaranty of loans for the purchases of businesses, etc., also includes on pages 10, 11 and 12, amendments to the regulations relating to the guaranty of home loans and farm loans. Also enclosed are copies of the following forms prescribed by the Veterans'Administration for use in connection with the guaranty of loans to veterans for the acquisition of farms and farm equipment: (a) Explanation of Farm Loan Guaranty—(Finance Form 1824) (b) Application for Farm Loan Guaranty—(Duplicate) — (Finance Form 1822 a). W e are not in a position to furnish additional supplies of the enclosed pamphlets and forms but have been informed by the Veterans' Administration that additional supplies may be obtained from the following local offices of the Veterans' Administration: Newington, Connecticut, Lyons, New Jersey, Batavia, New York, 215 West 24th Street, New York 11, New York, 2 Park Avenue, New York 16, New York. The office of the Veterans' Administration at 2 Park Avenue, New York City, will also endeavor to answer any inquiries you may wish to make concerning the guaranty of loans to veterans pursuant to the Servicemen's Readjustment Act of 1944. As indicated on the covers of the enclosed pamphlets, additional copies thereof may also be procured from the Superintendent of Documents, U. S. Government Printing Office, Washington 25, D. C. (OVER) On December 12, 1944, the Comptroller of the Currency issued the following instructions to national bank examiners regarding the treatment under Section 24 of the Federal Reserve Act of home loans made by national banks secured by first mortgages upon real estate and covered by partial guaranties of the Veterans' Administration: In enacting the Servicemen's Readjustment Act of 1944, Congress adopted a policy designed to assure veterans of this war of Federal assistance in rehabilitation. A part of Title I I I of that A c t relates to home loans and provides for partial guaranties thereof. In order to effectuate this Congressional policy, to the extent we are able to do so, this office has adopted the position with regard to home loans made by national banks secured by first mortgages upon the real estate and covered by partial guaranties of the Veterans' Administration, that the limitations of Section 24 of the Federal Reserve A c t with respect to the amount of the loans compared to the appraised value of the real estate will be applied only to the portions of the loans not covered by the guaranties. In all other respects the loans in their entirety must conform with the limitations and restrictions of Section 24 of the Federal Reserve Act. We understand that the Veterans' Administration expects to issue other forms for use in connection with the guaranty of farm loans, and the guaranty of loans for the purchases of businesses. W e propose to send you copies of such forms when they are available. ALLAN SPROUL, President. UNITED S T A T E S OF VETERANS' AMERICA ADMINISTRATION GUARANTY OF LOANS Regulations Under Title III (FARMS AND FARM EQUIPMENT) SERVICEMEN'S READJUSTMENT ACT OF 1944 (Public Law 346—78th Congress) (Chapter 268—2d Session) (58 Statutes at Large 284) (38 U. S. Code 693 et seq.) (NOTE: This pamphlet covers the subject of Guaranty of Loans for the Acquisition of Farms and Farm Equipment pursuant to Section 502 of the Act. The subject of the Guaranty of Loans for the Purchases of Businesses, etc., pursuant to Section 503 will be printed in a separate pamphlet. The subject of Guaranty of Home Loans has been printed in a separate pamphlet.) Tills publication may be procured from the Superintendent of Documents, U. S. Government Printing Office, Washington 25, D . C , at 5 cents per copy. FOREWORD The Servicemen's Readjustment Act of 1944 and these regulations constitute a part of each contract of guaranty issued by the Administrator of Veterans' A f fairs on behalf of the United States of America, pursuant to Title HI of said Act. The officials and employees of the Veterans' Administration from time to time assigned to duties in connection with the administration of the Act shall act on behalf of the Administrator of Veterans' Affairs, and when so acting within the scope of authority delegated to them shall for all purposes of the Act and these regulations be deemed to be acting for said Administrator. Central Office of the Veterans' Administration, Washington 25, D. C., is the main office of the Administrator of Veterans' Affairs. The functions pursuant to Title III of the Act will also be performed in field offices of the Veterans' Administration from time to time designated for that purpose. Transactions and communications with, and contracts by such designated field offices shall have the same effect as if with, or made by, Central Office. These regulations should be carefully read. The completed application or other papers submitted should be carefully examined by the applicants, (borrowers and lenders) in order to be certain of accuracy and avoid any possible embarrassment resulting from errors. It will facilitate the service of the Veterans' Administration to the veterans and the lenders if, in correspondence, reference is made to the appropriate section numbers, if any, involved in the subject of the correspondence. In view of the large number of veterans with the same or similar names, it is important not only in correspondence, but also in documents to use the veteran's full first name instead of his initial only, and also his middle initial. If unobjectionable, it will be helpful to use his full middle name. In addition to the full name, other available identifying data should be used in correspondence, such as serial number allocated to the veteran while in active service, rank, and organization at date of discharge, current residence address, etc. In mortgages and other documents it will be desirable to use the service serial number in addition to the full name, although if there is objection the number will not be required. If there has been a guaranty ap- plication previously submitted by the veteran and the number assigned thereto by the Veterans' Administration is known, that number should be used in all communications; and on all documents pertaining to that application. It should be clearly understood that the Act does not authorize the Veterans' Administration or the Administrator of Veterans' Affairs to lend mc^ney to the veteran under Title III; but only to guarantee loans within the prescribed limitations. NOTICE Federal statutes provide severe penalties including forfeitures, fines and i m prisonment, for fraud on the part of the applicant and also as to "any person who shall knowingly make or cause to be made, or conspire, combine, aid, or assist in, agree to, arrange for, or in any wise procure the making or presentation of a false or fraudulent affidavit, declaration, certificate, statement, voucher, or paper, or writing purporting to be such" concerning any application for the guaranty of a loan by the Administrator. (38 U. S. C. A. 697, 715, 450, 451, 454 ( a ) , 556 ( a ) ; 18 U. S. C. A. 80.) TITLE 38—PENSIONS, BONUSES AND VETERANS' RELIEF 1 Chapter I—Veterans' Administration PART 36—REGULATIONS UNDER SERVICE- M E N ' S R E A D J U S T M E N T A C T OF GUARANTY OF LOANS ON FARMS 1944 AND FARM EQUIPMENT The following regulations govern the guaranty of loans on farms and farm equipment under Title i n of the Servicemen's Readjustment Act of 1944: Sec. 36.4100 Definitions. (a) Administrator. (b) United States. (c) State. (d) Designated agency or agency. (e) Federal agency. ( f ) Guaranty. (g) Mortgage. (h) Secondary or Junior loans. (1) Guaranteed loan. (J) Farming operations. (k) Reasonable normal value. (1) Real property. (m) Indebtedness. (n) Note. (o) Appraiser. (p) Certificate of title. (q) Credit report. (r) Eligible veteran. (s) Eligible lenders. (t) Creditor. (u) Debtor. (v) Conducted by a veteran, (w) Interest. 36.4101 Miscellaneous. LOANS ELIGIBLE FOR 36.4102 36.4103 36.4104 36.4105 36.4106 36.4107 36.4108 36.4109 36.4110 36.4111 36.4112 36.4113 36.4114 36.4115 36.4116 36.4117 36.4118 36.4119 GUARANTY 36.4120 36.4121 36.4122 GUARANTY Eligible loans.. Agricultural loans. Repairs, improvements, taxes, delinquent indebtedness, etc. Loan for delinquent indebtedness and taxes on farm home. Prior liens. First liens required. Mortgages required. Transfer of title. Obligation of guarantor. Contract provisions. Repayment provisions. Prepayments. Pro rata decrease of guaranty. Insurance coverage required. Loan charges. Interest. Advances. Construction loans. BY T H E ADMINISTRATOR 36.4131 36.4132 36.4133 Limits. Second loan under section 505 (a). Two or more eligible veterans or borrowers. Mnvimnm liability where there are two or more veterans. Veteran's application. Papers required. Recommendation for approval of guaranty. Administrator's action on application. Execution and form of guaranty. Disposition of papers. Loan procedure after approval of guaranty. Report of closing loan. Construction loans. When guaranty does not apply. 36.4134 36.4135 36.4136 Default. Claim on notice of default. Legal action. 36.4123 36.4124 36.4125 36.4126 36.4127 36.4128 36.4129 36.4130 CI .ATM UNDER A GUARANTY 1 As printed In the F D Z K A L REGISTER, Volume 9, Number 246, Washington, Saturday, December 9. 1944. 621701*—44 Sec. 36.4137 86.41S8 36.4139 36.4140 86.4141 36.4142 36.4143 36.4144 36.4145 36.4146 86.4147 36.4148 36.4149 36.4150 36.4151 Notice of suit and subsequent sale. Death of veteran or other owner. Death or insolvency of creditor. Filing claim under guaranty. Options available to Administrator. Refinancing and extension of guaranty. Subrogation. Future action against mortgagor Suit by Administrator. Creditor's records and reports required. Failure to supply information. Notice to Administrator. Right to Inspect books. Forms, construction to be placed on references to. Disqualified lenders and bidders. AUTHORITY: §§ 36.4100 to 36.4151, inclusive. Issued under 58 Stat. 284. § 36.4100 Definitions. Wherever used in these regulations, unless the context otherwise requires, the terms defined in this section shall ihave the meaning herein stated, namely: (a) "Administrator" means the Administrator of Veterans' Affairs or any employee of the Veterans' Administration designated by him to act in his stead. (b) "United States" used geographically means the several States, Territories and possessions, and the District of Columbia. (c) "State" means any of the several States, Territories and possessions, and the District of Columbia. (d) "Designated agency" or "agency" as used in respect to processing applications for guaranty of loans, means any Federal instrumentality designated by the Administrator (including Veterans' Administration if so designated) to certify whether an application meets the requirements of the act and regulations, and recommend whether the application should be approved if the applicant is found eligible. (e) "Federal agency" as used with respect to agencies making, guaranteeing, or insuring primary loans, means any Executive Department, or administrative agency or unit of the United States Government (including a corporation essentially a part of the Executive Branch) at any time authorized by law to make, guarantee or insure such loans. (r> "Guaranty" means the obligation of the United States of America assumed by virtue of the guaranty by the A d ministrator as provided in Title III of the Servicemen's Readjustment Act of 1944 (58 Stat. 284; 38 U.S.C. 693), and subject to the limitations and conditions thereof and of these regulations. The subject of the guaranty is that portion of an eligible loan procured by an eligible veteran which may be subject to being guaranteed as provided in said Title n i , as determined by the Administrator upon application in accordance with these regulations. (g) "Mortgage" means an applicable type of security instrument commonly used or legally available to secure loans or the unpaid portion of the purchase price of real or personal property in a State, District, Territory or possession of the United States of America in which the property is situated. It includes, for example, deeds of trust, security deeds, escrow instruments, real estate mort(1) gages, conditional sales agreements, chattel mortgages. (h) "Secondary" or "junior" loan means a loan which is secured by a lien or hens subordinate to any other hen or hens on the same property. (i) "Guaranteed loan" means a loan, unsecured, or secured by a primary hen, or where permissible under the act and these regulations, a secondary hen, which loan is guaranteed in whole or in part by the Administrator as evidenced by endorsement thereon; or by a Loan Guaranty Certificate issued by the A d ministrator, and which shall have become effective as prescribed by these regulations; or by such other legal evidence as may be provided by the Administrator. ( j ) "Farming operations" are those which involve actual production and marketing of crops, livestock, livestock products, or other agricultural commodities, and which constitute the applicant's, major occupation. No acreage limit will be established but size will be a factor in determining practicability. (k) "Reasonable normal value** for the purposes of the act is that which can be justified as a fair and reasonable price to be paid for the real or personal property for the purposes for which it is being acquired, assuming a reasonable business risk, but without undue speculative or other hazard as to the future of such value. There must also be taken into consideration the normal earning capacity value of the farm or other property, assuming average managerial ability, and yields and prices for farm products that may reasonably be anticipated during the period of the loan. There will not be unreasonably rigid adherence to long-time average prices or reliance upon a continuation of abnormal prices. (1) (1) "Real property" as used in section 502 of the act refers to an interest in realty defined in this section and subject to the conditions therein. It includes buildings and other improvements that are deemed to be real property under the law of the State where situated. (i) An interest in realty may be a fee simple estate, or certain other estates indicated in subdivisions (i) to (vi), inclusive, of this subparagraph including an estate for years, eligible as security for guaranteed loans. But in any event the estate shall be one limited to end at a date more than 14 years after the ultimate maturity date of the loan, or when the fee simple title shall vest in the lessee; except that, if it is a leasehold that terminates earlier, it shall nevertheless be acceptable if lessee has the irrevocable right to renew for a term ending more than 14 years after the ultimate maturity date of the loan or until the fee simple title shall vest in lessee; provided the mortgagee obtains a mortgage hen of the required dignity upon such option right or anticipated reversion or remainder to fee. (ii) A life estate or other estate of uncertain duration is excluded, unless the remainder interests are also encumbered by hens of the same dignity to secure the same debt. (hi) A remainder interest in realty shall be eligible as security for a guaran- 2 teed loan only in the event that all the owners of intervening immediate or remainder interests lawfully can and do (a) join in the mortgage in such manner as to subject all such intervening estates to the lien; or (b) execute and deliver a lease or other proper conveyance to the owner of the ultimate remainder in fee simple in such manner as to assure his legal right to possession and enjoyment until the vesting of his ultimate remainder interest. (iv) If other than a fee simple estate or estate for years with minimum duration as stated in subdivision (i) of paragraph (1) (1) of this section is offered as security, full information may be submitted to the Administrator before taking application from the veteran. The Administrator shall determine the elegibility of any such estate. (v) The existence of any of the following will not require denial of the guaranty, hence will not require special submission : (a) Outstanding easements for public utilities, party walls, driveways, and similar purposes; (b) Customary building or use restrictions for breach of which there is no reversion and which have not been violated to a material extent; (c) Slight encroachments by adjoining Improvements; (d) Outstanding water, oil, gas or other mineral rights which do not and will not materially impair the value for farming purposes, and which are customarily waived by prudent lenders in the community: Provided, however. That if there is outstanding any legal rights to quarry, mine, or drill within 400 feet of the principal residence or barn on the encumbered farm, the application for guaranty may be denied for that reason, unless upon .consideration of all the facts, the Administrator determines otherwise. Such determination at the option of the lender or borrower may be obtained upon a special submission of all the facts prior to taking application for guaranty. (vi) A mortgage on an undivided interest in realty shall not be acceptable unless all co-tenants of the veteran join in the mortgage and unless such joinder has the legal effect of creating a lien on the property such as is otherwise required. In such cases it shall not be required that the co-tenants join in, endorse, or otherwise become personally liable on the veteran's indebtedness. Notwithstanding such joinder in the mortgage by the co-tenants the value of the security for purpose of guaranty shall be determined with respect to the individual interest of the veteran only, and the guaranty will be limited to the proper proportion of that sum, irrespective of the actual amount of the loan. (2) "Personal property" means tangible or intangible property other than "real property" as defined in paragraph (1) (1) of § 36.41C0 if such property is to be used in farming operations conducted by the veteran as prescribed in these regulations. It includes property which by reason of the contract of the seller and purchaser remains personalty notwithstanding that except for such contract it would become a "fixture", or otherwise a part of the realty. (3) Livestock, equipment, machinery or implements for the purchase price of, or loan upon, which a guaranty under section 502 is applied for shall be those to be used directly in farm operations to be conducted by the veteran on farm land in which he holds any estate mentioned in subdivisions (i) to (vi), inclusive, of paragraph (1) (1) of § 36.4100, or any farm land to the use and occupancy of which he is entitled for a sufficient period to make a suitable crop. The latter right shall be evidenced by a lease, or by an appropriate letter from the landlord, evidencing the veteran's right to use of the land. (m) "Indebtedness" means the unpaid principal and accrued interest on the note, bond or other obligations, the subject of the guaranty, and includes also taxes, insurance premiums and any other items for which the debtor is liable under the terms of the mortgage or other contract, including proper contractual or statutory trustee fees and attorney fees, if anf. (n) "Note" means a promissory note, a bond, or other instrument evidencing the debt and the debtor's promise to pay same. (0) "Appraiser" means an individual or firm or corporation of recognized standing, approved in writing by the Administrator to appraise property. An applicant for designation as an approved appraiser shall show to the satisfaction of the Administrator that he is of good character and that his experience and information enable him to form sound opinions as to the reasonableness of the purchase price or cost of property to be appraised in the territory in which he expects to operate. He shall also be experienced in determining the earning capacity of farms. A list of appraisers, considered by the Administrator to be in good standing at the time these regulations become effective, may be approved. (p) "Certificate of title" means with respect to real property a written and signed opinion or statement as to title by a qualified member of the bar of, or by a title company authorized to do such business in, the jurisdiction in which, the mortgaged property is situated; or at the option of borrower and lender a title insurance or guaranty contract by a corporation authorized to engage in such business in the State wherein the property is situated; or appropriate evidence of title in the proposed encumbrancer pursuant to a Torrens or other similar title registration statute. (q) "Credit report" means the report submitted by any credit reporting agency of at least five years' experience with facilities for national coverage, approved by the Administrator, or any other form of report acceptable to the Administrator for the purpose of determining the applicant's credit standing. (See §§ 36.4124 and 36.4125 before ordering credit report) . (r) "Eligible veteran" means a veteran who: (1) Served in the active military or naval service of the United States on or after September 16, 1940, and before the officially declared termination of World War n ; (2) Shall have been discharged or released from active service under conditions other than dishonorable either (i) after active service of ninety days or more, or (ii) because of injury or disability incurred in service in line of duty, irrespective of length of service; and (3) Applies for the benefits of this Title within two years after separation from the military or naval forces, or within two years after the officially declared termination of World War n , whichever is later. In no event, however, may an application be filed later than five years after such termination of such war. (s) "Eligible lenders" are persons, firms, association, corporations and governmental agencies and corporations, either State or Federal. (Section 500 (c).) (t) "Creditor" means the payee, or any subsequent holder of the indebtedness, and includes a mortgagee. (u) "Debtor" means the maker of the note, or obligor in any ether obligation, or any other person who is, or becomes, liable thereon, by reason of a contract of assumption or otherwise. (v) "Conducted by a veteran" means personally directed and operated by a veteran on the site, with or without hired labor; not solely operated by a tenant or an employee who does not receive supervision and direction by the veteran. (w) "Interest" means the compensation fixed by law, or by the parties to a contract, for the use or detention of, or forbearance with respect to money, irrespective of the name applied to such compensation. § 36.4101 Miscellaneous. Throughout these regulations unless the context otherwise requires; (a) the singular includes the plural; (b) the masculine includes the feminine and neuter; (c) person includes corporations, partnerships and associations; (d) month means calendar month, i. e., the period beginning on a certain date in one month and ending at midnight the preceding date of the next month; (e) "the act" or "the statute" means the Servicemen's Readjustment Act of 1944; Ch. 263, 78th Congress, 2d Session (Public No. 346) 58 Stat. 284; 38 U. S. C. 693; (f) Title III means Title n i of the act. L O A N S ELIGIBLE FOR GUARANTY § 36.4102 Eligible loans, (a) The real or personal property encumbered to secure a loan guarantee pursuant to Title HI of the Act shall be situated within the United States as defined in § 36.4100 (b). (b) (1) The veteran must possess such actual knowledge of farming and be of such character and industry as to indicate that because of his ability and experience relevant to farming he likely will be able to succeed in the conduct of farming operations. Agricultural courses in schools of recognized standing and other training will be given due weight in evaluating experience. (2) It must appear that the veteran's financial situation will be such that he likely will be able to carry on the farming enterprise successfully. The amount of 3 "readjustment allowance", if any, payable pursuant to Title V of the act (38 U. S. C. 696, 696d) shall be considered in this connection. (c) A farming operation must be of sufficient size and productivity to enable an operator of average ability, operating under normal circumstances as to yields and prices, to derive sufficient subsistence and income from it to meet necessary living and operating expenses and debt obligations. The area of the farm unit and its composition (i. e., crop acres, pasture, woodland, etc.) must be carefully related to and reconciled with the type of operations which would be undertaken by a typical operator. Improvement and farm facilities must be appropriate, or feasibly adjustable, to operations to be undertaken. § 36.4103 Agricultural loans. Section 502 of the act provides for granting to an eligible veteran "the guaranty of a loan to be used in purchasing any land, building, livestock, equipment, machinery, or implements, or in repairing, altering, or improving any buildings or equipment, to be used in farming operations conducted by the applicant" if the Administrator of Veterans' Affairs finds that: (a) The proceeds of such loan will be used in payment for real or personal property purchased or to be purchased by the veteran, or for repairing, altering or improving any buildings or equipment, to be used in bona fide farming operations conducted by him; (b) Such property will be useful in and reasonably necessary for efficiently conducting such operation; (c) The ability and experience of the veteran, and the nature of the proposed farming operations to be conducted by him are such that there is a reasonable likelihood that such operations will be successful; and (d) The purchase price paid or to be paid by the veteran for such property does not exceed the reasonable normal value thereof as determined by proper appraisal. § 36.4104 Repairs, improvements, taxes, delinquent indebtedness, etc. (a) "Alterations" in respect to a farm, means any structural changes in or additions to an existing building, or equipment, on or to be used on the farm, including heating and other equipment that become fixtures; or operations of a protective nature, which increase the usefulness of such buildings or equipment. (b) "Improvements" means construction of new buildings (other than the main residence), new or improved fencing, installation or extension of water supply, or of electricity for domestic or other purposes on the farm, sewers and other waste disposal systems on the farm, silos, barns, and other structures thereon. (c) "Repairs" means the work and material necessary to restore the building or fixture therein, or the equipment, to a condition that is useful and appropriate to the circumstances, the need therefor having arisen because of wear and tear, accident or other cause. (d) "Taxes" means general or special taxes assessed against the real property. * (e) "Special assessments" means any charges for improvement purposes assessed against the real property. (f) "Delinquent indebtedness" means past due amounts of principal or interest (and without giving effect to any acceleration provisions) on an obligation secured in whole or in part by lien or liens on property of an eligible veteran and occupied as his home. (See § 36.4105 (a).) (g) "Purchased or to be purchased" as used in section 502 (1) of the act refers to real or personal property to be used for the purpose stated in section 502 of the act, whether the property is purchased contemporaneously with such application, or is to be purchased subsequent thereto. But as to any loan for a future purchase the guaranty will become effective only from the time the purchase is consummated. § 36.4105 Loan for delinquent indebtedness and taxes on farm home, (a) Under appropriate circumstances a guaranty pursuant to section 501 (b) of the act may be obtained if the loan is "for the purpose, of * * * paying delinquent indebtedness, taxes, or special assessments on residential property owned by the veteran and used by him as his home * * *". Section 501 (b) is applicable to a farm if it is the veteran's home. (See §36.4104 (d), (e), (f).) (b) Guaranty of a loan for alterations, improvements, or repairs (as each is defined and limited in § 36.4104) for the farm may be granted if otherwise proper, notwithstanding that such loan is not secured by a first lien. (c) Satisfactory evidence will be required to establish that: (1) The proceeds of the loan will be used for an appropriate purpose as prescribed in paragraphs (a) and (b) of this section. (2) The amount of the loan will bear a proper relation to the value and earning power of the property, and the alterations, improvements or repairs of the real or personal property will enhance its value to a reasonable degree. § 36.4106 Prior liens—(a) Real property. The existence of a lien or liens on the real property in respect to which a guaranty of a loan is sought pursuant to section 501 (b) will not necessarily require a denial of the application for guaranty; but full consideration will be given to the amount, rate of interest, and maturity dates of the primary loan in determining whether a suitable relation will exist between the veteran's obligation and probable available income. (b) Personal property. Unless section 501 (b) of the act is applicable, or unless the circumstances are extraordinary, a loan which is to be secured by a lien on personalty shall be secured by a first lien thereon. (See §§ 36.4104 and 36.4105.) § 36.4107 First liens required. Except as provided in section 505 of the act, loans for the purpose of purchasing a farm with or without a residence thereon, and loans for constructing a residence thereon, and in respect to which any guaranty is sought, shall be secured by a first lien on the property, but the existence of tax or special assessment prior liens will not necessarily disqualify security which is adequate and otherwise acceptable. § 36.4103 Mortgages required, ( a ) ( 1 ) Each loan guaranteed in whole or in part by the Administrator shall be secured by a "mortgage" except that when the principal amount of a loan to be guaranteed does not exdfeed $500 and the lender does not require a mortgage, the Administrator may nevertheless guarantee such loan provided it complies otherwise with the Act and these regulations. (As to procedure see § 36.4124 (c) and ( f ) . ) (2) If indebtedness of the veteran is not adequately secured by a lien on the entire interest in specific chattels or other personal property, but is secured by undivided interests therein, the requirements of § 36.41C0 (1) (1) (vi) relating to undivided interests in realty shall be applicable to the interests in said chattels or other personal property. (3) The "mortgage" shall include all intangible property rights which are incident to the encumbered property, real or personal. (4) If the encumbered real or personal property is owned by a partnership all partners shall join in the encumbrance or their authorization to the person or persons executing the encumbrance shall be in writing in due form and properly acknowledged. The Veterans' Administration will not require that a partner other than the veteran become personally liable on the obligation. (b) The law of the "State" where the contract is made determines the capacity of the parties to contract. Similarly the law of the "State" wherein the real estate or personal property is situated determines the capacity of "mortgagor" to encumber and of the "mortgagee" to hold the legal rights resulting from encumbrance. The act does not modify such law of the "State". The guaranty by the Administrator will be available only in the event that under the applicable "State" law the contract between the borrower and lender is binding on both, and the "mortgage" has the legal effect intended. Paragraph (b) of this section will be applicable particularly in cases involving minors, "persons of unsound mind", and persons under other legal disability by reason of the law of the "State". It will be applicable also in cases involving "mortgage" or other loans which any guardian, conservator, or other fiduciary seeks to make, or obtain; and to a guaranty thereof for which application is submitted. (c) Type of loan and mortgage. (1) Except as otherwise provided in paragraph (a) of this section each loan guaranteed under the provisions of Title m must be evidenced by a "note" or "notes" secured by appropriate security instrument or instruments ("mortgage legally sufficient in the jurisdiction in which the property to be encumbered is situated"), including a pledge or hypothecation when appropriate. (2) A term loan, which is in accord with applicable State or Federal law, and regulations, if any, may be eligible f o r guaranty if the amount of the loan to be guaranteed plus the unpaid amount of 4 all obligations secured by liens superior to the lien securing the proposed loan does not exceed two-thirds of the "reasonable normal value" of the property encumbered to secure the loan and if the ultimate maturity date of the "mortgage" indebtedness so secured, and to be guaranteed, is not more than five years from the date of the "note". Such superior liens shall not be "mortgage" liens except when the guaranty is issued pursuant to § 36.4105 and § 36.4106 of these regulations. (3) Except as provided in subparagraph (2) of this paragraph the loan shall be amortized. If the obligation to be amortized is secured by realty it may, and except for a period not in excess of the first three years shall, require periodical payments not less frequently than annually. The amounts so payable shall be substantially equal as to principal, or if the parties so agree, as to principal and interest. In any event they shall be such as will result in payment of the entire principal and interest within not more than 20 years from the date of the loan, or the date of assumption by the veteran, whichever is later. At the request of the mortgagor the payments for the first year shall be less than the amounts required in other years by the sura representing the interest charge on the guaranteed part of the loan, and which interest charge the Administrator will pay at the end of the first year. The mortgagor and mortgagee may agree that no payment o n principal will be required during a period not extending beyond the first three years. The ultimate maturity, and the dates and amounts of periodical payments, shall be fixed so as to maintain until the ultimate maturity substantially the same ratio between the indebtedness and the value of the real and personal property encumbered to secure same, taking into consideration the fact that the useful life of portions of the real or personal property will have ended prior thereto. § 36.4109 Transfer of title. The conveyance of, or other transfer of title to the property after the creation of a lien thereon to secure the veteran's debt, which is guaranteed in whole or in part by the Administrator, shall not terminate or otherwise affect the contract of guaranty, unless (a) the "creditor" by express agreement for that purpose releases or otherwise discharges the veteran from personal liability thereon; or (b) by indulgence of, or by agreement with, the veteran's immediate or remote grantee or vendee contrary to these regulations and without the consent of the Administrator the creditor so alters the contract made by the veteran with the lender as to cause discharge of the veteran by operation of law. § the the not 36.4110 Obligation of guarantor. To extent prescribed the obligation of United States is that of a guarantor, an indemnitor. § 36.4111 Contract provisions. Subject to the provisions of the act and these regulations, the contract between the lender and borrower may contain such provisions as they agree upon and which are reasonable and customary in the locality where the property is situated. § 36.4112 Repayment provisions, (a) If the loan be an amortized loan the lender and borrower may contract for periodical payments at monthly or other intervals, but not less frequently than annually, subject to the provisions of § 36.4108 (c) (3). (b) If the mortgagor consents the mortgage may provide that such monthly or other periodical payment shall include in addition to the proper amount to be credited to the principal and interest a proportionate part of the estimated amounts required annually for all taxes, rents, special assesments, if any, and fire and other hazard insurance premiums. Such provisions may direct the method of crediting the additional amounts included in the periodical payments for the purposes stated in this paragraph. (c) The method may be by crediting the note with the amounts so received and debiting same with disbursements by the creditor for such purposes; or by crediting and debiting a separate "trust account", or otherwise as the debtor and creditor agree. Unless otherwise provided by the parties, all periodical payments made by the debtor on the obligation shall be applied to the following items in the order set forth: (1) Taxes, special assessments, fire and other hazard insurance premiums and rents (allocated among such items as the creditor elects); (2) Interest on the mortgage debt; and (3) Principal of the mortgage debt. § 36.4113 Prepayments, (a) When the debt is to be amortized the note or other evidence thereof, or the mortgage securing same, shall contain appropriate provisions granting any person liable for such debt, the right to pay at any time the entire unpaid balance or any part thereof. Unless otherwise agreed all such prepayments shall be credited to the unpaid principal balance of the loan as of the due date of the next instalment. No premium shall be charged for any partial or entire prepayment. (b) Any person liable shall be entitled to prepay a term loan, or any part thereof, upon not less than one month's notice. The note or mortgage shall so provide. (c) Any prepayment shall be applied in the manner and to the items directed by the person making the prepayment. § 36.4114 Pro rata decrease of guaranty. The amount of the guaranty shall decrease pro rata with any decrease in the amount of the unpaid principal of the loan, prior to the date the claim is submitted. § 36.4115 Insurance coverage required. (a) Buildings, the value of which enter into appraisal forming the basis for the loan guaranteed, shall be insured against fire, and other hazards against which it is customary in the community to insure, and in reasonable amount at least equal to the amount by which the loan exceeds the value of the encumbered land plus that of the improvements included in the appraisal but which are not subject to the hazards insured against: Provided: That upon a satisfactory showing at the time of the application for guaranty that (1) it is impossible or i m practicable to obtain such insurance be- cause of location, prohibitive cost, or other good reason; (2) prudent lenders in such community customarily do not require such insurance, or some portion thereof, (amount or hazard) and (3) the lender submitting the application is willing to make the loan without insurance coverage on one or more of the buildings, or without certain coverage, or in a reduced amount, and subject to the provisions of paragraphs (b) and (c) of this section; the Administrator may at the time of approving the application waive all or part of such insurance requirements, subject to the provisions of said paragraphs (b) and (c) of this section. No waiver will be granted on the basis of premium cost in any case wherein the premium cost on an annual basis does not exceed $5.00 per $1000 of insurance against the hazard of fire, or $10.00 per $1000 for fire and all other hazards covered by the insurance. For loans on personalty insurance collectible in amount equal to the debt and against the hazards usually insured against, if reasonably available at reasonable cost, shall be required. The insurance coverage on personalty will be a factor in determining the practicability of the loan. The procuring of insurance of the amount and coverage stated in the approved application shall constitute conclusive evidence of waiver by the Administrator of insurance in excess of the amount stated in or in connection with the application and also all hazards and property not mentioned therein as hazards and property to be covered. The creditor shall require that there be maintained in force such insurance of the coverage stated in the approved application in an amount not less than the amount stated or the amount of the unpaid indebtedness whichever is the lesser. In the event insurance becomes unavailable the fact shall be reported to the Administrator for determination whether waiver shall be granted or loan declared in default. (b) For the sole purpose of determining the amount payable upon a claim under the guaranty after an uninsured loss (partial or total) has been sustained, the unpaid balance of the loan (except as provided in paragraph (c) of this section) will be deemed to have been reduced by an amount equal to the amount of the uninsured loss, but in no event below an amount equal to the value of the land and other property remaining and subject to the mortgage. (c) There shall be no reduction of the amount of the guaranty as provided in paragraph (b) of this section by reason of an uninsured loss which is uninsured (as to hazard or amount) by reason of a waiver by the Administrator as provided in paragraph (a) of this section. (d) All insurance effected on the mortgaged property shall contain appropriate provisions for payment to the "creditor," (or trustee, or other appropriate person for the benefit of the "creditor"), of any loss payable thereunder. If by reason of the "creditor's" failure to require such loss payable provision in the insurance policy, payment is not made to the "mortgagee" the liability on the guaranty nevertheless shall be reduced as provided in paragraph (b) of this section 5 with respect to an uninsured loss, except to the extent that the liability under the policy was discharged by restoring the damaged property, by the insurer, or out of payments thereunder to the insured, or otherwise. No waiver pursuant to paragraph (a) of this section shall m o d ify this paragraph. (e) Upon the "creditor" (or trustee or other person) collecting the proceeds of any insurance contract, or other sum from any source by reason of loss of or damage to the "mortgaged" property, he shall be obligated to account for same, by applying it on the indebtedness, or by restoring the property to the extent _the expenditure of such proceeds will permit. As to any portion of such proceeds the "mortgagee" is not entitled to retain for credit on such indebtedness or by reason of other legal right, he shall hold and be obligated to pay over the same as trustee for the United States and for the debtor, as their respective i n terests may appear. ( f ) Nothing in these regulations shall operate to prevent the veteran from procuring acceptable insurance through any authorized insurance agent or broker he selects. In all cases the insurance carrier shall be one licensed to do such business in the State wherein the property is situated. (a) In the § 36.4116 Loan charges, case of a purchase of real or personal property by the veteran and a guaranty pursuant to the act and these regulations of an indebtedness representing part of the purchase price, there may be charged to the veteran and included in said note amounts actually paid or incurred by the seller ("mortgagee") for such expenses and charges as are chargeable to such purchaser in accord with local custom, if the purchaser so agrees, such as fees for appraisals, credit and character report on the veteran, surveys, fees of purchaser's (not seller's) attorney, recording fees for recording the deed and the "mortgage" only, premiums on fire and other hazard insurance that may be required in accordance with these regulations. (b) In the case of a loan to the veteran, . charges in accord with local custom, such as fees for appraisals, credit and character report, surveys, abstract, or title search, curative work and instruments, attorney fees, fees for tax certificates showing all T;axes paid, premiums on fire and other hazard insurance that may be required in accordance with these regulations, revenue stamps, recording fees, etc., all limited to amounts actually paid or incurred by the lender, may be charged to the borrower and withheld f r o m the gross amount of the loan. (c) Any unreasonable fcharges shall be ground f o r denying an application for guaranty. No brokerage or other charges shall be made against the veteran for obtaining any loan guaranty under this title. § 36.4117 Interest, (a) The rate of Interest chargeable on a loan guaranteed fully or in part, shall not exceed 4 per centum per annum on unpaid principal balances. Interest m a y be computed in accordance with standard amortization practices. (b) The rate of interest on a secondary loan which is guaranteed pursuant to section 505 of- the act may exceed by not more than 1% per annum the rate charged on the principal loan, but in no event shall the rate on the secondary loan exceed 4% per annum. § 36.4118 Advances, (a) Nothing herein shall prevent the creditor from making advances for the benefit of the mortgagor to pay taxes, assessments and insurance premiums as they become due, and the cost of emergency repairs needed to protect the property. The amount guaranteed by the Administrator shall be increased pro rata with all such i n creases in the unpaid principal balance of the loan: Provided, (1) That the a n nual interest rate on all advances shall not exceed 4 per centum per annum; (2) that the terms of repayment shall not extend the date of the amortization of the loan and (3) that the amount of the guaranty shall in no event exceed the original amount thereof, nor exceed the percentage of the indebtedness originally guaranteed. (b) In the case of any advance made by a creditor to a debtor, the creditor with the consent of the debtor may a p ply any and all payments made by the debtor for a period of twelve months to the liquidation of the advance without considering the original loan in default. This shall not be construed to extend the period of indulgence contemplated by §§ 36.4134 and 36.4135. § 36.4119 Construction loans. Under certain circumstances loans relating to new construction may be guaranteed pursuant to the act. (See § 36.4132.) * GUARANTY B Y THE ADMINISTRATOR § 36.4120 Limits. In no event will the aggregate obligations of the United States as guarantor under Title III exceed $2,000 in respect to one veteran, whether there be one or several loans, and whether some are obtained for the a c quisition of a home, others f o r a farm, and others for business, or equipment, or other purposes. Repayment of a loan or loans in whole or in part, or transfer of the encumbered property does not modify or enlarge such limitation. The guaranty shall not at any time exceed 50 per centum of the aggregate of the indebtedness for any of the purposes specified in sections 501, 502 and 503 of the act. § 36.4121 Second loan under section 505 (a). Section 505 (a) of the act provides that when the principal loan for any of the purposes stated in sections 501, 502 or 503 is "approved by a Federal agency to be made or guaranteed or insured by it pursuant to applicable law and regulations. and the veteran is in need of a second loan to cover the remainder of the purchase price or cost, or a part thereof", the Administrator may guarantee the full amount of the second loan. Provided: (a) It does not exceed 20 per centum of the purchase price or cost. (b) The amount guaranteed together with all other guarantees under Title III f o r the same veteran does not exceed $2,000. ( c ) The loan conforms to all other applicable requirements of these regulations. § 36.4122 Two or more eligible veterans or borrowers, (a) In the absence of a statement to the contrary, an application signed by two or more eligible veterans shall be conclusively presumed to be an application by each for the guaranty of an equal proportionate part of the entire amount to be guaranteed: Provided, however, That if husband and wife execute the application, both being eligible veterans, it will be conclusively presumed in the absence of a contrary statement in the application that it is an application for guaranty on behalf of the husband .only, unless the amount of the guaranty then available to the husband is insufficient to meet the requirement of the case for guaranty of a proper amount under these regulations and the terms of the application; in which event the deficiency may be charged against the amount available to the wife, unless she has in the application or otherwise (before approval) stated in writing her u n willingness to be so charged. (b) The Administrator will not require a wife to sign an application made by her husband. If she also is an eligible veteran and desires to exercise her right as such to obtain a guaranty, a separate application by her will be required. Signature of her husband to indicate his pro forma joinder will be required only when the wife is resident of, or the application is signed in, or the property to be encumbered is situated in, a State under the laws of which such contract cannot be legally executed by a married woman alone as in the case of an unmarried woman. § 36.4123 Maximum liability where there are two or more veterans, (a) For the purpose of determining the maximum amount of the potential liability of the United States under a guaranty incident to an obligation on which two or more eligible veterans who applied for the guaranty are liable, the obligation will be deemed a several, and not a joint, obligation of the respective applicants who were charged with the guaranty or a part thereof notwithstanding that as among the debtors or any of them, and as between them, or any of them, and the creditor, the obligation is in fact and law a joint obligation or a joint and several obligation. (b) In no event will the amount of any veteran's debt thereunder be deemed to exceed for guaranty purposes the amount for which each veteran is legally liable to the holder of the obligation, nor the value of the interest of the veteran in the property. If more than one of the obligors is an eligible veteran and application by him or them is granted, the maximum aggregate amount of the guarantees will be the sum of the amounts available to each applying veteran but in no event will the aggregate of the guarantees f o r more than one veteran exceed 50 per centum of the total loan except as provided under section 505 of the act. (c) For the purpose of § 36.4123 the wife of a principal obligor shall not be counted unless (1) she is legally liable on the obligation under the law of the jurisdiction where she executed it, and (2) if she is a veteran she be properly chargeable with a part or all of guaranty as provided in § 36.4122. the § 36.4124 Veteran's application, (a) T o apply for a guaranteed loan the veteran and the prospective lender shall complete and sign in duplicate Form 1822, Application for Farm Loan Guaranty. Before or after preparing the application, and before submitting it, the lender and the veteran will address a joint inquiry to the nearest office of the Veterans Administration on Form 1800, Certification of Eligibility, or otherwise. In addition to the necessary identifying information, they will state whether the property to be encumbered is real or personal, or both, the State and county in which it is situated, and the nearest highway. The Administrator will reply on said Form 1800 or otherwise, stating the name and address of an approved appraiser of realty, and in the case of personal property, the person or persons to function as such. (b) If instructed by the Administrator so to do, on Form 1800, Certification of Eligibility, or otherwise, the creditor will secure a credit report. If not so instructed such report will not be required by the Veterans Administration. (See paragraph (d) of this section.) (c) If the proposed loan is for repairs, alterations or improvements to realty tfie appraisal report shall reflect an examination of the building contract, and the plans and specifications, if any, and shall include appropriate data sufficient to afford a basis for estimating the increased value of the farm to result from such repairs, alterations or improvements: Provided, however. That if the cost of such repairs, alterations and improvements does not exceed $500 the appraisal requirements of these regulations will be met by an appraisal report by the agency, and no plans or detailed specifications will be required as a condition to a guaranty otherwise proper. Such appraisal report may be abbreviated and consist of bill of material, estimate of labor cost, general description of the work to be done, and opinion of the agency as to reasonable normal value, and the enhancement of the value of the prop* erty. (d) The veteran, the lender, and the appraiser shall be entitled, before or during the preparation of the application and other papers preliminary to a loan or purchase, to consult with the agency. (e) In every case the appraiser's report shall indicate the basis, by survey oi otherwise, of identifying the real property appraised as that to be encumbered to secure the proposed loan. ( f ) If (1) the loan does not exceed $500, (2) the lender does not require a mortgage, and (3) the loan otherwise complied with these regulations, the provisions of paragraphs (b), (c) and (e) of this section; paragraphs ( d ) , (e) and (h) of § 36.4125; paragraphs (a), (c) and (d) of § 36.4130; subparagraphs (2) and (3) of paragraph (a) of §36.4131; and paragraphs (c) and (e) of § 36.4132 shall be inapplicable to such loan and any guaranty thereof: Provided, however, That in every such case there shall be submitted with the application a report by the agency as to the reasonable n o r mal value of the work, or property, real or personal, to be purchased, repaired, altered, or improved. (g) If the guaranty 6 applied for in connection with the acquisition of, or a loan upon livestock, equipment, m a chinery, or implements, the agency shall upon inspection or evidence and review of the application report its opinion as to the reasonable normal value of such property, and its recommendation as to the guaranty. Such report shall constitute an appraisal. § 36.4125 Papers required. The prospective lender shall submit to the agency the following papers: (a) Certification of eligibility (see § 36.4124 ( a ) ) . (b) Loan Guaranty Certificate (Form 1821 attached to application). (c) Original application for guaranty signed by prospective lender and borrower (see § 36.4124 ( a ) ) . (d) The credit report, if required. (See § 36.4124 (b) and (d).) (e) The original appraisal report, Form 1833. (See § 36.4124 ( c ) , (f) and (g).) (f) Copy of purchase option, if any; and copy of conditional sales agreement if loan is to be predicated on such an instrument. (g) Proposed loan closing statement of the estimated amounts to be disbursed by the lender for the account of the borrower (see Form 1806). (h) Unless stated in the mortgage, or otherwise in the papers submitted, a statement of the kinds and amounts of insurance to be required to protect the mortgagor, the lender and the Administrator against loss by fire and other hazards, and the estimated premium cost thereof. (See § 36.4115.) (i) When applicable, the original and copy (both signed) of Form 1862, Application to Amend Loan Guaranty Certificate. (See § 36.4131 (c) and (d).) § 36.4126 Recommendation for approval of guaranty. The Agency shall review the papers to determine whether it will recommend approval of the application for guaranty. Thereupon the Agency shall forward all the papers to the appropriate office of the Administrator with recommendation that (a) the Administrator approve the application, or (b) he disapprove it. If disapproval is recommended the reasons therefor shall be stated in writing at the time the papers are forwarded. A recommendation that the application be approved, shall be appropriately endorsed on the original of the application. If more than one person functions as or for the Agency in making such recommendation each such person shall sign the recommendation made, indicating concurrence or dissent. In case any such person fails to participate in the decision or is absent, the appropriate fact and name of such person shall be noted on the recommendation. § 36.4127 Administrator's action on application, (a) Upon receipt of the papers from the Agency, the Administrator will determine whether to approve the application. If disapproved he shall return to the proposed lender all papers received from the lender except the original application f o r guaranty and the original appraisal report and shall state that the application for guaranty has been denied and the reasons therefor. He shall send a copy of the letter to the veteran and the Agency. Upon denial any expenses incurred by the lender or the borrower shall be borne by them or either of them as they shall have agreed. (b) (1) The veteran and the proposed lender, or either, may appeal to the Administrator for review of a denial of the application. (2) Such appeal may be by letter, or on any prescribed form, and shall be mailed or delivered to central office of the Veterans Administration within one month after receipt of notice of denial. (c) (1) If for any reason the loan transaction is not concluded and the same or another lender thereafter wishes to consider making a loan on the same security described in the original application, a supplemental application, if the same lender, or a new application if a different lender, may be submitted. If accompanying it is a statement by the borrower and lender that the condition of the security is substantially the same as when the appraisal " report was made, the supplemental or new application may be approved without a new appraisal, if the supplemental or new application shall have been received by the Administrator within three months from the date of the appraisal report. (2) Without reference to the time limit stated in subparagraph (1) hereof, a copy of the appraisal report will be supplied without cost to a prospective new lender or to the original proposed lender at the currently prescribed price for a copy. § 36.4128 Execution and form of guaranty, (a) If the Administrator approves the application he shall notify the Agency and the veteran thereof. For the purpose of evidencing the contract of guaranty, he shall execute a Loan Guaranty Certificate, to become effective upon the conditions therein stated. It shall be in substantially the form following: Finance Form 1821 Nov. 1944 UNITED LOAN State GUARANTY ERANS' STATES OF CERTIFICATE AMERICA ISSUED BY VET- ADMINISTRATION (Where property is located) • Number L.F. (To be filled in by V. A.) (Lender) (Exactly as Payee's name will appear on note) (Borrower-Veteran) (Exactly as to be signed on note and mortgage) (House or Box Number—RF.D. or Street— Post Office—County) (State) (House or Box Number—Street—Post office— County) (State) I A. Tbis certificate shall become effective when the requirements of the statute and regulations have been complied with and the acts certified in Part HI hereof have been accomplished in compliance with said requirements 7 B. When ft becomes effective as hereinabove prescribed, this certificate shall obligate the United States of America to pay to t h e legal holder of the "note" described on the reverse hereof upon his duly filing claim therefor: 1. All or such portion of the maximum amount hereby guaranteed as becomes payable upon the conditions, at the times stated in, and in accordance with the provisions of the Servicemen's Readjustment Act of 1944 (38 U. S. Code 693; 58 Stat. 284), and the regulations issued pursuant thereto which are in effect on the date of this certificate. In no event will the obligation under this certificate exceed $2,000. Subject to the foregoing, this guaranty is for per centum of the principal amount of said "note", but not for more than $ In no event will it exceed said percentage of the principal amount. 2. At the expiration of 1 year from the date of the "note", an amount equal to the interest for 1 year at the contract rate on that portion of the indebtedness ( " n o t e " ) originally guaranteed hereby, such payment to be credited on the indebtedness as prescribed by said regulations. C. Executed on behalf of the United States of America by the Administrator of Veterans' Affairs, through the undersigned authorized agent on this date, to become effective in the manner hereinabove prescribed. Dated ADMINISTRATOR OF VETERANS' AFFAIRS By At (Authorized Agent) (Post Office) NOTE: If loan is not closed the proposed lender, or when paid the holder of the note will mark this certificate "Cancelled", sign thereunder and return the Veterans' A d m i n istration. n Description of property to be "Mortgaged" (Lot and block, section and township, land lot and Land District, etc., and surveyor's field notes where appropriate and any other language proper to complete description. Include description of personal property, (if a n y ) . Describe fully: show serial numbers, if available, or any other means of identification. Premises identified as (Name of farm, if any, and R. F. D. also number or name of nearest highway) (City, Town, Village) (County, Parish) (State, District, Territory) and further described as: (If more space is needed, detach and continue description on reverse) in CERTIFICATION BY BORROWER AND LENDER A. We hereby warrant that (1) the undersigned borrower named on the reverse hereof executed the note, the face amount of which is $ consisting of $ principal and $ interest as defined in the Regulations; (2) it is dated day of 19 ; (3) borrower(s) and mortgagor (s) delivered It together with the "mortgage" (as defined In the regulations) bearing the same date, and executed to secure payment of said note; (4) said note and mortgage are in the form and type contemplated in the application of the undersigned pursuant to which this loan guaranty certificate was issued; and (5) the principal stated above has been paid to, or according to the directions of, the undersigned borrower ( s ) . B. The undersigned lender warrants that (1) the same "mortgage," duly executed and witnessed, acknowledged, or proved as required by law, was properly filed, or filed for record, if and as provided by law on the day of , 19 , at M; and was given file No by the Recorder of other proper official; (2) that it covers the property described on the reverse hereof, which is the same property described, or otherwise identified, or referred to, in the above-mentioned application for guaranty and in this loan guaranty certificate, or in the application to amend loan guaranty certificate, if any, applicable to such loan; (3) that no lien superior to said "mortgage" has intervened since the date of said application; and (4) if the approved application for guaranty related to a loan wholly or partly to be secured by a hypothecation or a pledge of personal property, such hypothecation or pledge has become effective by appropriate delivery to the lender and no superior lien has intervened since date of application. (If a corporation) (Secretary) (All signatures must be in ink) Mr. Mrs. Miss (Lender ( s ) ) By Title (president, vice president, etc.) Mr. Mrs. Miss Mr. Mrs. Miss (Borrower ( s ) ) N O T E 1. If the note is unsecured, references to "mortgage" in paragraph " A " and " B " above are inapplicable. (See Regulations, § 36.4108, Par. ( c ) . ) N O T E 2. If the local law provides for filing only, not recording, chattel mortgages or similar instruments paragraph " B " above nevertheless is to be completed. It refers not only to the County Recorder or Clerk, but also the State Commissioner of Motor Vehicles or other officials who keep motor vehicle mortgage records, and to other similar officials. State or County. (See § 36.4133 of Regulations.) § 36.4129 Disposition of papers. The original application for guaranty and the appraisal report will be retained in the files of the Veterans Administration. The Loan Guaranty Certificate and all other papers will be forwarded to the proposed lender with instructions as to closing the loan in a manner to make the guaranty effective. § 36.4130 Loan procedure after approval of guaranty. Upon receipt of the papers from the Administrator, the lender shall: (a) Satisfy himself by "title certificate", as defined in these regulations, as to the title to the real estate to be encumbered (§ 36.4100 ( p ) ) , and satisfy himself in such reasonable manner as may be available as to the title to personal property to be encumbered. (b) Cause all necessary instruments to be properly signed and those to be filed, or filed and recorded, properly witnessed, acknowledged or proved so as to entitle them to filing or recordation. (c) Disburse all funds in substantial accord with the proposed loan closing statement submitted with the application. (See § 36.4125 (g) and Form 1806 or 1861.) (d) File with the proper State, County or other public official to be retained where required, or recorded and returned, the "mortgage", and any other appropriate instrument which under the law of the State is required or permitted to be filed or recorded for the purpose of establishing a valid lien as between the parties, or third persons, or of giving actual or constructive notice of the "mortgage," pledge, hypothecation, or other transaction. (e) Take possession or do any other necessary act to make effective the pledge, or hypothecation, if any. § 36.4131 Report of closing loan. (a) Within two months after closing the loan and filing with appropriate public official of the proper instruments, or the taking of other appropriate steps, if any, to make the lien effective, the lender shall complete and forward to the A d ministrator (using prescribed form, if available) a. properly signed report of closing the loan stating that: (1) The disbursement of the amount named in such report as the principal of the note has been completed by the lender, which amount may be not more than 3% in excess of the amount of the proposed loan as stated in the original application for guaranty, without complying with the procedure stated in paragraphs (c) and (d) of this section. (2) Such disbursements were as estimated on the loan closing statement submitted with the application, except as otherwise stated on the reverse side of the report of closing loan. (See §§ 36.4116 (a) and 36.4125 (g) and Form 1806 or 1861.) (3) The note and the mortgage (or other security instrument) were properly executed, stating the date, and the latter was duly acknowledged, witnessed, or proved, so that it was legally eligible for filing and in which it was properly filed and the filing number thereof; or in the case of a pledge, or hypothecation the necessary possession, or other steps were taken to make same effective. (4) The note was dated (stating the date thereon) and signed by tl<« debtor"; the actual principal amount thereof; and the rate of interest provided therein. (5) The Loan Guaranty Certificate (stating its L-Number) was completed, and appropriately signed by the lender and the borrower as therein provided. (b) If the lender is a corporation, its corporate seal shall be impressed on such report. (c) If the transaction to be closed is essentially the same as indicated in the original application except that: (1) The amount of the loan actually to be made is more than 103% of the amount stated in the application, or (2) Personal property to be acquired differs from that described but is for the same use or purpose, and substantially similar in kind, quality and value. Form 1862, Application to Amend Loan Guaranty Certificate, will be completed and signed in duplicate. (d) The lender will forward the original and copy of Form 1862, Application to Amend Loan Guaranty Certificate, to the "Agency," which will recommend approval or disapproval and forward both to the Veterans Administration office which issued the Loan Guaranty Certificate. Such office will determine whether to approve the Application to Amend Loan Guaranty Certificate. Such determination will be based on the original application, the evidence submitted in or with the original application, the application to amend, the recommendation of the Agency, and such other evidence, if any, as it considers necessary. Notice of action will be given as in the case of original applications. If approved such approval will be appropriately indicated on the original, and such original, duly executed by the Veterans Administration will be forwarded to the lender. It may be attached to the original Loan Guaranty Certificate to evidence amendment thereof , as reflected by such "rider." § 36.4132 Construction loans, (a) Upon the submission to an Agency of an application made pursuant to section 502 of the Act for the guaranty of a loan for construction on a farm owned by the veteran, or for repairs, alterations or improvements thereon (hereinafter collectively referred to as "construction loans") the guaranty will be issued to become effective only upon completion thereof, and upon fulfillment of the same requirements of these regulations as are applicable to the guaranty of loans for the acquisition of residential or non-residential farm buildings other than by construction. (b) Notwithstanding the provisions of paragraph (a) of this section, the guaranty mentioned therein may become effective without the entire amount of the loan having been disbursed if: (1) Complete disbursement is prevented, in the exercise of ordinary care, by reason of the filing of mechanics' liens or other liens, or other controversy or threat of litigation, as to entitlement to any part of the proceeds of such loans; and (2) There is paid to an escrow agent approved by the Administrator so much of such proceeds as have not been disbursed, or other arrangements satisfactory to the Administrator have been made for assuring the availability of such sums; and (3) There is issued by the Administrator Form 1363, Approval of Escrow Certificate, which may be attached to the Loan Guaranty Certificate. (c) For construction loans the lender will follow the procedure provided in §§ 38.4124 to 36.4131, inclusive, for the guaranty of loans for the purchase of farms, and in addition v/ill furnish to the Agency: (1) Complete plans and specifications, except as provided in § 36.4124 ( c ) . When complete plans and specifications are not required the data mentioned in said paragraph (c) will be supplied unless § 36.4124 (g) is applicable, in which event the requirements will be those stated therein. <2) An estimate, prepared by a qualified appraiser, of the normal agricultural value of the property on which the improvements will be situated together with a separate estimate of the increased value of the property which will result from the improvements according to the plans and specifications or other data. (See § 36.4124 (c).) Such estimates of value are in addition to the appraiser's report, otherwise required; (3) A copy of the agreement or agreements (which may be unsigned) on which the proceeds of the proposed loan will be disbursed. (d) Upon the receipt of such papers the Agency will follow the procedure prescribed in § 36.4126 and submit same to the Administrator f o r action as prescribed in §§ 36.4127 and 36.4128. (e) The Loan Guaranty Certificate shall become effective only upon the conditions stated in § 36.4130 and in addition the further condition that there be supplied to the Administrator a statement by an appraiser on Form 1803 (a), Statement by Appraiser on Completion of New Construction. It shall recite that: (1) He has inspected the construction, repairs, alterations, or improvements. (2) The same hare been constructed and completed in substantial conformity with the contract, the plans and specification, (if any), and any authorized changes therein (if any), permitted by these regulations, or, in those cases embraced in § 36.4124 (c) or § 36.4124 ( f ) there are no plans and specifications, within good building practices. (3) The increased value of the property as completed and which will be encumbered is substantially in accord with his estimate. (f) During the course of construction the Administrator shall be entitled at his expense, to cause such inspection of the construction work at such time or times as he may determine. (g) Upon compliance with the requirements of this section and of § § 36.4130 and 36.4131 relating to the guaranty becoming effective in other than construction loan cases, said Loan Guaranty Certificate shall become effective as originally executed (and subject to § 36.4131), or as amended pursuant to approval of application therefor on Form 1862, Application to Amend Loan Guaranty Certificate. (See § 36.4131 (c) (d).) (h) The borrower and lender may contract for the payment to the lender of a reasonable sum for. the advance of funds during the construction and supervision or inspection of the construction. (i) Minor changes may be made in the plans and specifications or substitution of material of substantially equal quality or value, as the creditor, the debtor, and the builder (contractor) may agree if same are not of a major character and in the aggregate do not increase or decrease the cost more than five per centum of the contract price. This does not modify the provisions of § 36.4131. Changes or substitutions other than as herein stated must have the approval of the Administrator. § 36.4133 When guaranty does not apply. The guaranty shall not cover any loss sustained by the creditor as the result o f : (a) The acceptance by the mortgagee of a "mortgage" on any real or personal property, title to which is not merchantable; (b) Failure of the mortgagee to procure a duly recorded lien of the dignity required by these regulations; or a lien of such dignity by filing, without recording. if lawful, or by pledge or otherwise as required or permitted by applicable law in the jurisdiction where the prop- erty is situated at the time the loan is closed. (c) Failure of the mortgagee to comply with § 36.4115 with respect to insurance, (d) A tax sale pursuant to execution, or otherwise as provided by law, o c casioned by nonpayment of taxes accruing against the mortgaged property after the date of the "mortgage" if "mortgagee" fails to give notice to the Administrator of the delinquent taxes at least one month before such sale. (e) A release by the creditor of the lien on any of the real or personal property securing the guaranteed loan, or any part thereof unless the Administrator consents in writing. Such consent may be granted if the debt is appropriately reduced or on such other terms as the Administrator may determine: Provided however, That if the land is sought by a public authority for highway or other purposes, consent is hereby given for the creditor to release without consideration or for such consideration as he deems proper and without reference to the Administrator, the creditor's lien on land without any buildings thereon if the land so released does not exceed five percent of the acreage encumbered and does not exceed $200 in value. The same consent is hereby given when the release, easement grant, or other instrument is sought by a public or private agency, or person, for the purpose of pipe line, telephone, telegraph or electric transmission lines: Provided, however. That when such releases, or grants by the lender for any one or more of the purposes stated in this paragraph, or otherwise, with or without specific consent by the Administrator, shall have decreased the security as much as five percent in acreage, or $200 in value, no further releases shall be executed, without consent of the Administrator. If release of lien is executed contrary to the provisions of these regulations the amount of the guaranty will be reduced proportionately in the same manner as if the value of the released property were applied as a credit on the unpaid balance of the loan. The provisions of this paragraph will not be construed to affect the guaranty in the event of any grant of title or easement that leaves unaffected the on the property affected thereby; or ( f ) Sale by reason of foreclosure of a superior lien if the holder of the guaranteed loan secured by a subordinate lien has knowledge of such foreclosure sale as much as 10 days prior thereto and fails to notify the Administrator of the time and place thereof. CLAIM UNDER A GUARANTY § 36.4134 Default, (a) In the event of default, not cured, continuing three months on an amortized loan or one month on a term loan the "creditor" may elect to assert claim under the guaranty, and give notice thereof to the Administrator. (b) If any default occasioned by failure seasonably to pay to the "creditor" entitled any amount of principal or interest due him under the contract (not cured) shall have persisted as long as six months the holder of the indebtedness shall give notice thereof to the A d - 9 minlstrator notwithstanding the failure results from payments on "advances" as provided in § 36.4118 or from any indulgence of the debtor as provided in 5.8 36.4135 and 36.4141. (c) (1) The notice shall state the loan guaranty number if available. If not available other identifying data shall be included, such as date and amount of original obligation, location of Veterans' Administration office that issued the guaranty and the property encumbered. (2) In all cases the notice shall state the name and last known address of the debtor, of the veteran, and of the creditor, and the date and manner of default, and amount past due. If he desires, the creditor may also state his views as to any indulgence that should be extended. (3) The notice to the Administrator shall be mailed by registered mail or personally delivered in exchange for a written receipt within one month after the expiration of said six months' period. § 36.4135 Claim on notice of default. (a) In the notice of default, or separately, then, or later, the creditor may make claim under the guaranty. (b) Then or thereafter the creditor may also give notice of his intention to foreclose the lien or liens securing the indebtedness. (c) The Administrator may approve the creditor's request, if any, to postpone action to press his claim against the mortgagor, or the property. Such postponement with the consent of the Administrator, shall not operate to void or diminish the ultimate liability under the guaranty. In no event shall indulgence or postponement of action authorized by these regulations impair any right of the creditor to thereafter proceed within the applicable statute of limitations period as if there had been no indulgence or postponement. § 36.4136 Legal action, (a) The creditor shall not begin action in court or give notice of sale under a power of sale, until the expiration of 30 days after receipt by the Administrator of the notice of intention to foreclose. Notwithstanding paragraph (a) of § 36.4134 such notice may be given at any time after default. (b) (1) If the circumstances require immediate, action to protect the interest of the creditor or the Administrator, the. Administrator may waive the requirement for prior notice if notice of the action taken is immediately given. (2) Without limiting the foregoing, the existence of conditions justifying the appointment of a Receiver for the property shall be sufficient excuse for beginning suit without prior notice to the Administrator if within ten days after commencement of the suit or action, plaintiff gives the Administrator notice thereof. § 36.4137 Notice of suit and subsequent sale, (a) Within ten days after beginning suit or causing notice of sale without suit to be given, the creditor shall notify the Administrator thereof by registered mail, or by personal delivery of notice in exchange for written receipt. The notice shall state whether the foreclosure will be by proceeding in court, or under a power of sale; the style necessity of request or other action by and number of the suit, If any, and the name and location of the court in which the debtor or the Administrator, all sums pending. then standing as a credit balance in a "trust," or "deposit," or other account, <b) The creditor shall give written notice to the Administrator by registered to cover taxes, insurance accruals, or mail (or delivery) of any foreclosure other items in connection with the loan secured by the encumbered property, sale, judicial, or under a power of sale; whether stated to be such or otherwise or of any proposed termination of the designated, and which have not been rights of any vendee or his immediate or remote guarantee (assignee) pursuant to credited on the "note" shall, nevertheless, be treated as a set-off and shall be any power or option in a sales contract, deemed to have been credited thereon as or in any other instrument affecting the of the date of the last debit to such acproperty which constitutes any security for the obligation guaranteed. Such nocount, so that the unpaid balance of the tice shall be given so that it is received note as of that date will be reduced by at least thirty days before such sale or the amount of such credit balance: Proother proposed action. It shall state the vided, however, That any unpaid taxes, date, hour and place thereof. The Adinsurance premiums, rents, or advances ministrator may bid thereat on the same may be paid by the holder of the interms as the lender or other bidders, and debtedness, at his option, and the may exercise any right the debtor could amount which otherwise would have exercise by virtue of the contract, or any been deemed to have been credited on statute, or otherwise. This section is the note reduced accordingly. This secapplicable whether the suit, or the sale, tion shall be applicable whether the or termination, occur before or after estate of the deceased creditor is solvent payment of the guaranty. or insolvent. (b) The provisions of paragraph (a) § 36.4138 Death of veteran or other of this section shall also be applicable in owner, (a) In the event the creditor has the event of: knowledge of the death of the veteran (1) Insolvency of creditor; or of any owner of an interest in the (2) Initiation of any bankruptcy or encumbered property, or the death of reorganization, or liquidation proceedany other person liable on the indebtedings as to the creditor, whether voluntary ness which is guaranteed in whole or in or involuntary; part, the creditor shall take such steps, (3) Appointment of a general or ancilif any, as are legally necessary, and realary receiver for the creditor's property; sonably available, in the jurisdiction or, in any case where the encumbered property is situ(4) Upon the written request of the ated, to avoid loss of the lien, or imdebtor if all accrued and due insurance pairment thereof, or of all or part of premiums, taxes, and rents have been the proceeds of any sale of the property paid, and appropriate provisions made as a result of, or incident to, such death, for future accruals. or of any probate proceedings thereby (c) Upon the occurrence of any of the occasioned in said jurisdiction. events enumerated in paragraph (a) or (b) In addition to protecting the lien (b) of this section interest on the note rights as required by paragraph (a) of and on the credit balance of the "dethis section, the creditor at his discretion posits" mentioned in paragraph (a) shall may proceed in probate, or otherwise, as be set-off against each other at the rate may be permissible and feasible, in any payable on the principal of the note, as jurisdiction where administration proof the date of last debit to the deposit ceedings are pending or properly may be account. Any excess credit of interest instituted, or other appropriate legal acshall be treated as a set-off against the tion taken, against assets or persons, to unpaid "advances", if any, and the unassert any rights, by means of any remepaid balance of the note. dies, therein available to a similarly situ(d) The provisions of paragraphs (a), ated creditor of the decedent. (b) and (c) of this section shall apply (c) Upon direction of the Adminisalso to corporations. The dissolution trator and his designation of an accessithereof by expiration of charter, by forble attorney for the purpose, and making feiture, or otherwise, shall be treated appropriate provisions for advancing or as is the death of an individual as propaying the costs and expenses of the provided in paragraph (a). ceeding, the creditor shall proceed as provided in paragraph (b) of this sec- • § 36.4140 Filing claim under guartion: Provided, however, That in any anty. Claim under the guaranty may case the Administrator may, at his opbe made on Form 1864, Claim under the tion, proceed immediately in respect to Guaranty. Subject to the limitation protecting the lien, or asserting claim as that the total amount payable under the contemplated by paragraph (b) of this guaranty shall in no event exceed the section, or as to both remedies. If the original amount thereof, the amount Administrator takes action, it may be payable under the guaranty shall be the in his name or the name of the creditor percentage of the indebtedness originally as the Administrator may elect and as guaranteed applied to the indebtedness may be appropriate under applicable law. (as defined in § 36.4100 ( m ) ) , computed If action is taken by the Administrator as of the date of the claim, and reduced he shall seasonably notify the creditor by any payments theretofore made by thereof. the United States pursuant to the (d) Nothing in this section shall imguaranty. pair any right of set-off or other right or § 36.4141 Options available to Adminremedy of the Administrator. istrator. Upon receipt of claim under 1 36.4139 Death or insolvency of the guaranty, or notice of intention to creditor, (a) Immediately upon the foreclose, the Administrator shall have death of the "creditor" and without the the following options: 10 (a) Pay to the creditor not later than one month after receipt of notice of any default, as a partial payment of any actual or potential claim under the guaranty, the amount of principal, interest, taxes, advances, or other items in default; and in consideration of such payment the lender shall be deemed to have agreed to refrain from giving effect to any acceleration provisions by reason of defaults prior to the date of notice of default theretofore given: Provided, however, That unless the creditor consents, the Administrator may exercise this option once only, and in an amount not exceeding an amount equivalent to the aggregate of principal and interest payable in one year, or not exceeding ten per centum of the original amount of the guaranty, whichever sum is less. (b) Pay the creditor within one month after receipt of claim the full amount payable under the guaranty without requiring foreclosure, or personal action. (c) Pay to the creditor promptly after receipt of claim any amount agreed upon, not exceeding the amount due under the guaranty; and notify him to institute appropriate foreclosure proceedings, with or without legal action to reduce the debt to judgment, against all or any of the patties liable thereon, and whose names are stated in such notice to the creditor. (d) If the creditor does not begin appropriate action within two months after receipt of notice to institute action as provided in paragraph (c) of this section, the Administrator shall be entitled to begin and prosecute the same to completion in the name of the creditor, or of the Administrator on behalf of the United States, as may be appropriate under applicable laws and rules of procedure; Provided, however. That in such event the Administrator shall pay (in advance if required under the practice in the jurisdiction) all court costs, and other expenses, and provide the legal services required. § 36.4142 Refinancing and extension of guaranty, (a) When the Administrator shall have received notice from the creditor that he intends to institute foreclosure proceedings, the Administrator shall be entitled to obtain a refinancing which will prevent the consummation of the foreclosure sale. Nothing herein shall be construed to require a creditor to lend money for such refinancing. (b) If refinanced in any manner the Administrator may continue in effect t£e guaranty granted with respect to the previous loan in such manner as to cover the loan which affected the refinancing. ( c ) The Administrator in appropriate cases shall be entitled to exercise any redemption rights of a debtor, or a creditor, in connection with the loan guaranteed or property rights arising out of, or incident to such loan. § 36.4143 Subrogation. (a) Any amounts paid to the creditor by the Administrator pursuant to the guaranty shall constitute a debt due to the United States by the veteran on whose application the guaranty was made; and by his estate upon his death. The Administra- http://fraser.stlouisfed.org/ I Federal Reserve Bank of St. Louis tor is subrogated to the contract and the lien rights of the creditor to the extent of such payments, but junior to the creditor's rights as against the debtor or the encumbered property until the creditor shall have received the full amount payable under his contract with the debtor. No partial or complete release by the creditor of the debtor or of the lien shall impair any rights of the Administrator, by virtue of the lien, or otherwise. (b) The creditor, upon request, shall execute, acknowledge and deliver an appropriate instrument tendered him for that purpose, evidencing any payment received from the Administrator and the Administrator's resulting right of subrogation. § 36.4144 Future action against mortgagor. In addition to the amount, if any, collected from the proceeds of the encumbered property by reason of the right of subrogation, the United States will collect from the veteran, or his estate, by set-off against any amounts otherwise payable to the veteran or his estate; or in any other lawful manner, any sums disbursed by the United States on account of the claim pursuant to the guaranty. § 36.4145 Suit by Administrator, (a) Whenever pursuant to these regulations, the Administrator institutes, or causes to be instituted by the creditor, or otherwise, any suit in equity; action at law; or probate proceedings or the filing of a claim in such; or other legal or equitable proceedings of any character, or any sale, in court or pursuant to any power of sale, the person or persons properly instituting the same (including the Administrator) shall be entitled to recoup from any proceeds realized therefrom any expenses reasonably incurred, including trustee fees, court costs, and attorney fee paid (or the reasonable value of the services of the trustee and of the attorney, if performed by salaried person or persons, or by the party himself, when proper). (b) The net proceeds, after setting off such items that may properly be recouped, shall be credited to the indebtedness, or otherwise as may be proper under the facts. (c) In determining the propriety of recoupment and the amount thereof consideration shall be given to any provisions in the "note" or "mortgage" relating to such items, and any amounts actually realized pursuant thereto. § 36.4146 Creditor's records and reports required, (a) The creditor shall maintain a record of the amounts of payments received on the obligation and disbursements chargeable thereto, and the dates thereof. Any creditor who fails to maintain such record shall be presumed to have received on the dates due all sums which by the terms of the contract are payable prior to date of claim for default, and the burden of going forward with evidence and of ultimate proof of the contrary shall be on such creditor; not on the debtor, or the United States. (b) On any delinquent loan the creditor shall report annually OH the anniversary of the earliest unremedied default any amount received or disbursed, the unpaid balance of principal and accrued interest and any other items chargeable; and the nature of any defaults not already reported. He shall include such additional information, if reasonably necessary and obtainable, which may from time to time be requested by the Administrator. (c) A proposed lender may be required to submit evidence satisfactory to the Administrator of his equipment for maintenance of adequate records on, and his ability to service, loans if guaranteed pursuant to the provisions of the Act and these regulations. § 36.4147 Failure to supply information. Failure to supply any available information required ty these regulations within two months after request therefor will entitle the Administrator to obtain such information otherwise, and the expense of so obtaining it, plus ten dollars to cover estimated overhead expenses, shall be chargeable to the creditor who failed to comply with such request. § 36.4148 Notice to Administrator. Any notice required by these regulations to be given the Administrator shall be sufficient if in writing, and delivered at, or mailed to, the Veterans Administration office at which the application for guaranty was approved or to any changed address of which the creditor has been given notice or, at the option of the creditor, to the central office of the Veterans Administration, Washington 25, D. C. If mailed the notice shall be by registered mail when so provided by these regulations. § 36.4149 Right to inspect books. The Administrator has the right to inspect, at a reasonable time and place the papers and records pertaining to the loan and guaranty. If permission to inspect is declined the Administrator may enforce the right by subpoena under the provisions of Title m of Public No. 844, 74th Congress, 49 Stat. 2031-35, 38 U.S.C. 131, or in any other lawful manner. § 36.4150 Forms, construction to be placed on references to. All references in the regulations to Form 1800, Certification of Eligibility, or to other form numbers, shall be construed to include any revision of the same forms, identified by the same, or by different numbers. § 36.4151 Disqualified lenders and bidders. Except under unusual circumstances and upon prior approval by the Administrator an application for guaranty of a loan will not be approved if the lender is known to be an employee of the Veterans Administration or of the Agency; and without such approval, an employee of either may not bid at a foreclosure sale of the security for a guaranteed loan. [SEAL] FRANK T . HINES, Administrator. DECEMBER 8, 1944. [P. E. Doc. 44-18638; Piled. Dec. 8, 19444 12:37 p. m.] O. I. O ( VCRHMCHT PtIITIIC OFFICII TIM U N I T E D STATES OF VETERANS AMERICA ADMINISTRATION GUARANTY OF LOANS Regulations Under Title III (PURCHASES OF BUSINESSES, ETC.) SERVICEMEN'S READJUSTMENT ACT OF 1944 (Public Law 346—78th Congress) (Chapter 2 6 8 — 2 d Session) (58 Statutes at Large 284) (38 U. S. Code 693 et seq.) (NOTE: This pamphlet covers the subject of Guarantee of Loans for the purchases of businesses, etc., pursuant to Section 503 of the Act. The subjects of Guaranty of Home Loans and of Guaranty of Loans for the Acquisition of Farms and Farm Equipment have been printed in separate pamphlets. This pamphlet also includes changes in and additions to the regulations under Title III governing the Guaranty of Home Loans (§§ 36.4000 to 36.4049), and the Guaranty of Loans on Farms and Farm Equipment (§§ 36.4100 to 36.4151).) This publication may be procured from the Superintendent of Documents, U. S. Government Printing Office, Washington 25, D. C., at 5 cents per copy. FOREWORD The Servicemen's Readjustment Act of 1S44 and these regulations constitute a part of each contract of guaranty issued by the Administrator of Veterans Affairs on behalf of the United States of America, pursuant to Title III of said Act. The officials and employees of the Veterans Administration from time to time assigned to duties in connection with the administration of the Act shall act on behalf of the Administrator of Veterans Affairs, and when so acting within the scope of authority delegated to them shall for all purposes of the Act and these regulations be deemed to be acting for said Administrator. Central Cffice of the Veterans Administration, Washington 25, D. C., is the main cffice of the Administrator of Veterans Affairs. The functions pursuant to Title III of the Act will also be performed in field offices of the Veterans Administration from time to time designated for that purpose. Transactions and communications with, and contracts by such designated field offices shall have the same effect as if with, or made by, Central Office. These regulations should be carefully read. The completed application or other papers submitted should be carefully examined by the applicants, (borrowers and lenders) in order to be certain of accuracy and avoid any possible embarrassment resulting from errors. It will facilitate the service of the Veterans Administration to the veterans and the lenders if, in correspondence, reference is made to the appropriate section numbers, if any, involved in the subjact of the correspondence. In view of the large number of veterans with the same or similar names, it is important not only in correspondence, but also in documents to use the veteran's full first name instead of his initial only, and also his middle initial. If unobjectionable, it will be helpful to use his full middle name. In addition to the full name, other available identifying data should be used in correspondence, such as serial number allocated to the veteran while in active service, rank, and organization at date of discharge, current residence address, etc. In mortgages and other documents it will be desirable to use the service serial number in addition to the full name, although if there is objection the number will not be required. If there has been a guaranty ap- plication previously submitted by the veteran and the number assigned thereto by the Veterans Administration is known, that number should be used in all communications; and on all documents pertaining to that application. It should be clearly understood that the Act does not authorize the Veterans Administration or the Administrator of Veterans Affairs to lend money to the veteran under Title III; but only to guarantee loans within the prescribed limitations. NOTICE Federal statutes provide severe penalties including forfeitures, fines and imprisonment, for fraud on the part of the applicant and also as to "any person who shall knowingly make or cause to be made, or conspire, combine, aid, or assist in, agree to, arrange for, or in any wise procure the making or presentation of a false or fraudulent affidavit, declaration, certificate, statement, voucher, or paper, or writing purporting to be such" concerning any application for the guaranty of a loan by the Administrator. (38 U. S. C. A. 697, 715, 450, 451, 454 ( a ) . 556 (a); 18 U. S. C. A. 80.). PART 36—REGULATIONS UNDER MEN'S READJUSTMENT A C T SERVICE- OF 19441 GUARANTY OP LOANS' ON PURCHASES OF BUSINESSES, ETC. T h e following regulations govern the guaranty of loans on businesses, etc., under Title III of the Servicemen's R e adjustment Act of 1944: Bee. 36.4200 Definitions. (a) Administrator. (b) United States. (c) State. (d) Designated agency or agency. (e) Federal agency. ( f ) Guaranty. (g) Mortgage. (h) Secondary or junior loans. (i) Guaranteed loan, ( j ) (1) Business. (2) Business loan. (3) Business realty loan. (4) Purchased or to be purchased, (k) Reasonable normal value. (1) (1) Land. (2) Buildings. (3) Personal property. (4) Supplies. (5) Equipment, (m) Indebtedness, (n) Note. (o) Appraiser, (p) Certificate of title, (q) Credit report, (r) Eligible veteran, (s) Eligible lenders, (t) Creditor, (u) Debtor. (v)' Used or conducted by a veteran, (w) Interest. 364201 Miscellaneous. LOANS ELIGIBLE FOR GUARANTY 36.4202 36.4203 36.4204 Eligible location. Loans for business purposes. Loans for the acquisition of a business. 36.4205 Loans for purchase of equipment and supplies. (a) Loans for the purchase of equipment, machinery or tools (new or used). (b) Loans for the purchase of supplies. 36.4206 Second loans to complete a purchase. 36.4207 Life insurance, or additional security 36.4208 (a) Loans for the purchase of business realty (land, building). (b) Mortgages required on business realty. 36.4209 Transfer of title. 36.4210 Obligation of guarantor. Sec. 36.4211 Contract provisions. 36.4212 Repayment provisions, business loans. 36.4213 Prepayments. 36.4214 Pro rata decrease of guaranty. 36.4215 Insurance coverage required. 36.4216 Loan charges. 36.4217 Interest. 36.4218 Advances. GUARANTY BY T H E ADMINISTRATOR 36.4220 36.4221 36.4222 36.4223 36.4224 36.4225 36.4226 1 As Limits. Second loan under section 505 ( a ) . Two or more eligible veterans or borrowers. Maximum liability where there are two or more veterans. Veteran's application. Papers required. Recommendation for approval of guaranty. printed in the FEDERAL REGISTER, Volume 9, Number 256, Washington, Saturday, December 23, 1944. 623854°—14 Sec. 36.4227 Administrator's action on application. 36.4228 Execution and form of guaranty. 36.4229 Disposition of papers. 36.4230 Loan procedure after approval of guaranty. 36.4231 Report of closing loan. 36.4233 When guaranty does not apply. CLAIM UNDER A GUARANTY 36.4234 36.4235 36.4236 36.4237 36.4238 36.4239 36.4240 36.4241 36.4242 36.4243 36.4244 36.4245 36.4246 36.4247 36.4248 36.4249 36.4250 36.4251 Default. Claim o n notice of default. Legal action. Notice of suit and subsequent sale. Death of veteran or other owner. Death or insolvency of creditor. Filing claim under guaranty. Options available to Administrator. Refinancing and extension of guaranty. Subrogation. Future action against mortgagor. Suit by Administrator. Creditor's record and reports required. Failure to supply information. Notice to Administrator. Right to inspect books. Forms, construction to be placed on references to. Disqualified lenders and bidders. AUTHORITY: §§ 36.4200 to 36.4251, sive, issued under 58 Stat. 284. inclu- Wherever used § 36.4200 Definitions. in §§ 36.4200 to 36.4251, inclusive, unless the context otherwise requires, the terms defined in this section shall have the meaning herein stated, namely: (a) "Administrator" means the Administrator of Veterans Affairs Or any employee of the Veterans Administration designated by him to act in his stead. t b ) "United States" used geographically means the several States, Territories and possessions, and the District of Columbia. (c) "State" means any of the several States, Territories and possessions, and the District of Columbia. ( d ) "Designated agency" o r "agency" as used in respect to processing applications for guaranty of loans, means any Federal instrumentality designated by the Administrator (including Veterans Administration if so designated) to certify whether an application meets the requirements of the Act and regulations, and recommend whether the application should be approved if the applicant is found eligible. (e) "Federal agency" as used with respect to agencies making, guaranteeing or insuring primary loans, means any Executive Department, or administrative agency or unit of the United States Government (including a corporation essentially a part of the Executive Branch) at any time authorized by law to make, guarantee or insure such loans. ( f ) "Guaranty" means the obligation of the United States of America assumed by virtue of the guaranty by the Administrator as provided in Title i n of the Servicemen's Readjustment Act of 1S44 (58 Stat. 234; 38 U.S.C. 693) and subject to the limitations and conditions thereof and of §§ 36.4200 to 36.4251, inclusive. T h e subject of the guaranty is that p o r tion of an eligible loan procured by an eligible veteran which may be subject to being guaranteed as provided in said (1) Title III, as determined by the Administrator upon application in accordance with §§ 36.4200 to 36.4251, inclusive. (g) "Mortgage" means an applicable type of security instrument commonly used or legally available to secure loans or the unpaid portion of the purchase price of real or personal property in a State, District, Territory, or possession of the United States of America in which the property is situated. It i n cludes, f o r example, deeds of trust, security deeds, escrow instruments, real estate mortgages, conditional sales agreements and chattel mortgages. (h) "Secondary" or "junior" loan means a loan which is secured by a lien or liens subordinate to any other lien or liens on the same property. (i) "Guaranteed loan" means a loan unsecured, or secured by a primary lien, or where permissible under the act and §§ 36.4200 to 36.4251, inclusive, a secondary lien, which loan is guaranteed in whole or in part by the Administrator as evidenced by endorsement thereon; or by Loari Guaranty Certificate issued by the Administrator,' and which shall have become effective as prescribed by §§ 36.4200 to 36.4251, inclusive, or by such other legal evidence as may be provided by the Administrator. ( j ) (1) "Business" means any gainful occupation or profession other than farming which constitutes the applicant's major occupation. (2) "Business loan" means an obligation for all or part of the purchase price, or a loan obtained for the p u r pose of paying all or part of the purchase price of (i) tho entire, or a part interest in, an existing business enterprise whether it is, or is to be operated by an individual, partnership or joint venture, and includes leasehold rights as lessor or lessee of real or personal property a part of such enterprise and similarly good will, franchise rights, and rights as licensee, (ii) supplies, m a c h i n ery, equipment or tools. (3) "Business realty loan" means a loan for the purchase of land or buildings or both to be used by the applicant in pursuing a gainful occupation other than farming. Leasehold rights i n cluded in subparagraph (2) will not be deemed "business realty." , (4) "Purchased or to be purchased" as used in section 503 (1) of the act refers to real or personal property to be used for a purpose stated in section 503 of the act, whether the property is purchased contemporaneously with such application, or is to be purchased subsequent thereto. But as to any loan for a future purchase the guaranty will b e come effective only f r o m the time the purchase is consummated. (k) (1) "Reasonable normal value" f o r the purposes of the act is that which can be justified as a fair and reasonable price to be paid f o r the real or personal property f o r the purposes f o r which it is being acquired, assuming a reasonable business risk, but without undue speculative or other hazard as to the future of such value. (2) T h e purpose and intent are to assure that the price to be paid is not in excess of that on which a fair profit 2 can be earned based on (i) the past record, if any; (ii) the reasonable probabilities of the future; and (iii) reasonably efficient management. (1) (1) "Land" as used in section 503 of the act refers to an interest in realty defined in this section, and subject to the conditions therein. (i) An interest in realty may be a fee simple estate, or certain other estates indicated in subdivisions (i) to (vi) of this subparagraph (1) (including an estate for years) eligible as security for guaranteed loans. But in any event the estate shall be one limited to end at a date more than 14 years after the ultimate maturity date of the loan, or when the fee simple title shall vest in the lessee; except that, if it is a leasehold that terminates earlier, it shall nevertheless be acceptable if lessee has the irrevocable right to renew f o r a term ending more than 14 years after the ultimate maturity date of the loan or until the fee simple title shall vest in lessee: Provided The mortgagee obtains a mortgage lien of the required dignity upon such option right or anticipated reversion or remainder in fee. plication for guaranty may be denied for that reason unless upon consideration of all the facts the Administrator determines otherwise. Such determination at the option of the lender or borrower may be obtained upon a special submission of all the" facts prior to taking application for guaranty. (vi) A mortgage on an undivided interest in realty shall not be acceptable unless all co-tenants of the veteran join in the mortgage, and unless such joinder has the legal effect of creating a lien on the property such as is otherwise required. In such case it shall not be required that the co-tenants join in, endorse, or otherwise become personally liable on the veteran's indebtedness. Notwithstanding such joinder in the mortgage by the co-tenants the value of the security for purpose of guaranty shall be determined with respect to the individual interest of the veteran only, and the guaranty will be limited to the proper proportion of that sum, irrespective of the actual amount of the loan. (2) "Buildings" as used in section 503 of the act refer to structures of a permanent nature which are attached to (ii) A life estate or other estate of and become a part of the land. uncertain duration is excluded, unless the (3) "Personal property" means tangiremainder interests are also encumbered ble or intangible property other than by a lien of the same dignity to secure land or buildings as defined in paragraph the same debt. (1) (1) and (1) (2) of § 36.4200 if such property is to be used in a business con(iii) A remainder interest in realty ducted by the veteran as prescribed in shall be eligible as security for a guar§§ 36.4200 to 36.4251, inclusive. It inanteed loan only in the event that all cludes property which by reason of the the owners of intervening immediate or contract of the seller and purchaser, reremainder interests lawfully can and do mains personalty notwithstanding that (a) joint in the mortgage in such manexcept for such contract it would become ner as to subject all such intervening a "fixture," or otherwise a part of the estates to the lien; or (b) execute and realty. deliver a lease or other proper conveyance to the owner of the ultimate re(4) "Supplies" mean those articles mainder in fee simple in such manner normally used, necessary and expended as to assure his legal right to possession in the operation of a business or proand enjoyment until the vesting of his fession, including those required by the ultimate remainder interest. service industries, both personal and industrial. (iv) If other than a fee simple estate or estate for years with minimum dura(5) "Equipment, machinery and tools" tion as stated in subdivision (i) of this mean all such articles commonly so desubparagraph (1) is offered as security scribed, and which are required for use full information may be submitted to the in pursuing a gainful occupation other Administrator before taking application than the resale thereof and which will be from the veteran. The Administrator useful and reasonably necessary for the shall determine the eligibility of any efficient and successful pursuit of such such estate. occupation. Equipment shall include structures which by operation of law or (v) The existence of any of the followthe terms of the applicable lease or other ing will not require denial of the guarcontract of the parties, do not become a anty; hence will not require special subpart of the realty, and which may be remission : moved without consent, or further con(а) Outstanding easements for public utilities, party walls, driveways, and sim- •sent, of the land owner. ilar purposes; (m) "Indebtedness" means the unpaid principal and accrued interest on the (б) Customary building or use restricnote, bond or other obligations, the subtions for breach of which there is no reversion and which have not been vioject of the guaranty, and includes also lated to a material extent; taxes, insurance premiums and any other items for which the debtor is hable un(c) Slight encroachments by adjoinder the terms of the mortgage, or other ing improvements; contract, including proper contractural (d) Outstanding water, oil, gas or other or statutory trustee fees and attorney mineral, or timber rights which do not fees, if any. and will not materially impair the value for business purposes, and which are (n) "Note" means a promissory note, a customarily waived by prudent lenders bond, or other instrument evidencing the in the community: Provided, however, debt and the debtor's promise to pay That if there is outstanding any legal same. right to quarry, mine or drill within 400 (o) "Appraiser" means an individual feet of the encumbered building the apor firm or corporation of recognized standing, approved in writing by the Administrator to affpraise property. An applicant for designation as an approved appraiser shall show to the satisfaction of the Administrator that he is of good character and that his experience and information enable him to form sound opinions as to the reasonableness of the purchase price or cost of property to be appraised in the territory in which he expects to operate. A list of appraisers, considered by the Administrator to be in good standing at the time §§ 36.4200 to 36.4251, inclusive, become effective, may be approved. (p) "Certificate of title" means, with respect to real property, a written and signed opinion or statement as to title by a qualified member of the bar of, or by a title company authorized to do such business in, the jurisdiction in which the mortgaged property is situated; or at the option of borrower and lender a title insurance or guaranty contract by a corporation authorized to engage in such business in the State wherein the property is situated; or appropriate evidence of title in the proposed encumbrancer pursuant to a Torrens or other similar title registration statute. (q) "Credit report" means the report submitted by any credit reporting agency 'of at least five years' experience with facilities for national coverage, approved by the Administrator, or any other form of report acceptable to the Administrator for the purpose of determining the applicant's credit standing. (r) "Eligible veteran" means a veteran who: (1) Served in the active military or naval service of the United States on or after September 16, 1940, and before the officially declared termination of World War II. (2) Shall have been discharged or released from active service under conditions other than dishonorable, either (i) After active service of ninety days or more, or ' (ii) Because of injury or disability incurred in service in line of duty, irrespective of the length of service; and (3) Applies for the benefits of this Title within two years after separation from the military or naval forces, or within two years after the officially declared termination of World War II, whichever is later. In no event, however, may an application be filed later than five years after such termination of such war. (s) "Eligible lenders" are persons, firms, associations, corporations and "governmental agencies and corpora-^ tions, either State or Federal". (t) "Creditor" means the payee, or any subsequent holder of the indebtedness, and includes a mortgagee. (u) "Debtor" means the maker of the note or obligor in any other obligation, or any other person who is, or becomes, hable thereon, by reason of a contract of assumption or otherwise. (v) "Used or conducted by a veteran" means personally directed and operated by a veteran on the site, with or without hired labor; not solely operated by a tenant or an employee who does not receive supervision and direction by the veteran. 3 (w) "Interest" means the compensation fixed by law or by the parties to a contract, for the use or detention of, or forbearance with respect to, money, irrespective of the name applied to such compensation. § 36.4201 Miscellaneous. Throughout §§ 36.4200 to 36.4251, inclusive, unless the context otherwise requires: (a) the singular includes the plural; (b) the masculine includes the feminine and neuter; (c) person includes corporations, partnerships and associations; (d) month means calendar month, i. e., the period beginning on a certain date in one month and ending at midnight on the preceding date of the next month; (e) "the act" or "the statute" means the Servicemen's Readjustment Act of 1944, Ch. 268—178th Congress—2d Session, (Public No. 346), 58 Stat. 284; 38 U.S.C. 693; (f) Title III means Title II of the act. LOANS ELIGIBLE FOR GUARANTY § 36.4202 Eligible location. To be eligible for guaranty a loan for any of the purposes stated in section 503 must be in connection with an enterprise which has its principal place of business within the United States and any real or personal property encumbered to secure a loan shall be situated within the United States. Temporary removal for use in the course of the business will not affect the guaranty if the lien is not affected. § 36^203 Loans for business purposes. Section 503 of the act provides for granting to an eligible veteran "the guaranty of a loan to be used in purchasing any business, land, buildings, supplies, equipment, machinery, or tools, to be used by the applicant in pursuing a gainful occupation (other than farming)." The application, therefore, may be approved by the Administrator if he finds that: (a) The proceeds of such loan will be used for payment for real or personal property purchased or to be purchased by the veteran and used by him in the bona fide pursuit of such gainful occupation; (b) Such property will be useful in and reasonably necessary for the efficient and successful pursuit of such occupation; (c) The ability and experience of the veteran, and the conditions under which he proposes to pursue such occupation, are such that there is a reasonable likelihood that he will be successful in the pursuit of such occupation; (d) The purchase price paid or to be paid by the veteran for such property does not exceed the reasonable normal value thereof as determined by proper appraisal; and (e) The loan appears practicable. § 36.4204 Loans for the acquisition of a business, (a) The assets to be acquired may consist of real or personal property, tangible or intangible, or a combination of any such. The business so acquired may be operated by an individual or a partnership. The appropriate contracts or circumstances shall assure that upon acquisition of the contemplated interest in the business enterprise the veteran, as sole owner or as partner, shall have an active part in the management and direction thereof. The ultimate maturity of such loans shall not be in excess of 5 years. (b) When the veteran purchases an interest in an existing business which interest will constitute security for a guaranteed loan, the bill of sale or other appropriate instrument shall expressly provide that the good will is included, and when appropriate, and in every case in the service industries, shall contain appropriate provisions, lawful in the j u risdiction, forbidding or restricting the seller's engaging in a similar business within such period of time and such area as the seller and purchaser agree. Encumbrance on interests in the business so acquired shall include all such rights, and in all cases, encumbrances on business interests shall expressly include good wiH. (c) (1) To the extent practicable and legally permissible, all assets of the business acquired shall be pledged as security for the loan. (2) Cash, notes, accounts receivable and other choses in action not an integral part of the business may be excluded. (3) The lien on personalty may be a secondary lien provided the first lien secures only an obligation for part of the purchase price thereof. (4) If realty is acquired in the transaction the lien on the realty shall be a first lien unless § 36.4206 is applicable. (d) I f the indebtedness of the veteran is not adequately secured by lien on the entire interest in specific chattels or other personal property but is secured by undivided interests in specific chattels or other personal property, or in a business enterprise owned by more than one person, the requirement of paragraph (1) (1) (vi) of § 36.4200, relating to undivided interests in realty shall be applicable to the interests in said chattels or business or other personal property. (e) Loans for the acquisition of additional inventory or f o r . o t h e r working capital purposes are not included in the act. § 36.4205 Loans for purchases of equipment and supplies—(a) Loans for the purchase of equipment, machinery or tools (new or used). ' ( 1 ) A loan for the entire purchase price of such articles, to be guaranteed in whole or in part, shall be secured by a conditional sales agreement, or by a first lien. The ultimate maturity of such loans shall not be in excess of 3 years. (2) A loan for the initial payment on the purchase price of such articles shall not exceed one-third of the purchase price and subject to the same limitation shall not exceed $1,000.00. The ultimate maturity of such loans shall not be m excess of one year for loans which do not exceed $500.00, or 2 years for loans exceeding $500.00. Loans for such purposes shall be secured by second lien. (3) In on event will application for guaranty be granted in respect to an obligation for the unpaid purchase price or any part thereof if application for guaranty shall have been granted (or is pending) in respect to the initial payment on the purchase price of the same property as contemplated by subparagraph (2). (b) Loans for the purchase of supplies. A loan for the purpose of purchasing supplies as defined in § 36.4200 (1) (4) may be made if the loan does not exceed $1,000.00 and the maturity does not exceed 1 year. Such loans may be unsecured if security is not practicable or customary. § 36.4206 Second loans to complete a purchase. If the loan secured by a first lien is made, guaranteed or insured by a Federal Agency pursuant to law or regulation applicable thereto as provided in section 505 (a) of the act, and application is made to the Administrator to guarantee a second loan'to cover all or part of the purchase price, such application may be granted if otherwise proper under the act and §§ 36.4200 to 36.4251, inclusive, notwithstanding the loan is not secured by a first lien. In such case the second loan shall not exceed 20% of the purchase price and the rate of interest shall not exceed 4% per annum. § 36.4207 Life insurance, or additional security. The lender and borrower may make mutually acceptable arrangements for life insurance, or for other security in addition to the property, if any, encumbered to secure the guaranteed loan. § 36.4208 (a) Loans for the purchase of business realty (land, building). Except as provided in section 505 of the act, loans for the purpose of purchasing business realty and in respect to which any guaranty is sought, shall be secured by a first lien on such property; but the existence of tax or special assessment prior liens will not disqualify security which is adequate and otherwise acceptable. (b) Mortgages required on business realty. (1) Each business realty loan guaranteed under the provisions of Title III must be evidenced by a note or notes secured by appropriate security instrument or instruments (mortgage legally sufficient in the jurisdiction in which the property to be encumbered is situated) . If the loan to be guaranteed does not exceed $500 and the lender does not require a mortgage, the Administrator may nevertheless guarantee such loan provided it complies otherwise with the act and §§ 36.4200 to 36.4251, inclusive. (2) The law of the State where the contract is made determines the capacity of the parties to contract. Similarly the law of the State wherein the real estate or personal property is situated determines the capacity of mortgagor to encumber and of the mortgagee to hold the legal rights resulting from encumbrance. The act does not modify such law of the State. The guaranty by the Administrator will be available only in the event that under the applicable State law the contract between the borrower and lender is binding on both, and the mortgage has the legal effect intended. Subparagraph (2) of this paragraph will be applicable particularly in cases involving minors, "persons of unsound mind," 4 and persons under other legal disability by reason of the law of the State. It will be applicable also in cases involving mortgage or other loans which any guardian, conservator, or other fiduciary seeks to make or obtain; and to a guaranty thereof for which application is submitted. (3) A term loan, which is in accord with applicable State or Federal law, and l-egulations, if any, may be eligible for guaranty if the amount of the loan to be guaranteed plus the unpaid amount of all obligations secured by liens superior to the lien securing the proposed loan does not exceed two-thirds of the reasonable normal value of the property encumbered to secure the loan and if the ultimate maturity date of the mortgage indebtedness so secured, and to be guaranteed, is not more than five years from the date of the note. Such superior liens shall not be mortgage liens, except when the guaranty is issued pursuant to section 505 of the act. (4) Except as provided in subparagraph (3) of this paragraph the loan shall be amortized. The obligation to be amortized may, and except for the first year shall, require such periodical payments of stated sums as will in accordance with standard amortization practice result in payment of the entire principal and interest within not more than 20 years from the date of the loan, or the date of assumption by the veteran, whichever is later. At the request of th£ mortgagor the p a r e n t s during the first year shall be less than the amount required thereafter, by the sum representing the interest charge on the guaranteed part of the loan,. and which interest charge the Administrator will pay at the end of that year. § 36.4209 Transfer of title. The conveyance or other transfer of a veteran's interest in a business, or in other property, real, personal or mixed, which has been acquired wholly or in part with the proceeds of a loan guaranteed in whole or in part by the Administrator, shall not terminate or otherwise affect the contract of guaranty, unless (a) the creditor by express agreement for that purpose releases or otherwise discharges the veteran from personal liability thereon; or (b) by indulgence of, or by agreement with, the veteran's immediate cr remote grantee, or vendee, contrary to §§ 36.4200 to 36.4251, inclusive, and without the consent of the Administrator the creditor so alters the contract made by the veteran with the lender as to cause discharge of the veteran by operation of law. § 36.4210 Obligation of guarantor. To the extent prescribed the obligation of the United States is that of a guarantor, not an indemnitor. § 36.4211 Contract provisions. Subject to the provisions of the act and §§ 36.4200 to 36.4251, inclusive, the contract between the lender and borrower may contain such provisions as they agree upon and which are reasonable and customary in the locality where the property is situated. § 36.4212 Repayment provisions, business loans, (a) Subject to §§ 36.4204, 36.4205 and 36.4208 the terms of repayment of the loan to be guaranteed may be such as the lender and borrower agree. Such terms should be predicated primarily upon the anticipated earning capacity of the business, the nature and normal useful life of the security, if any, and other material factors that would be considered by reasonably prudent persons similarly situated. Generally, such loans should be repayable on a monthly, quarterly, or seasonally amortized basis. An unamortized loan, except as provided in § 36.4208 (b) (3) will not be guaranteed. (b) The loan agreement may provide for variable amortization payments dependent upon the earnings of the business, and for such other reasonable protective options as usually are required by prudent lenders of the community in comparable transactions. (c) Any loan guaranteed by the Administrator under Title III of the act shall be payable in full in not more than twenty years. § 36.4213 Prepayments. (a) When the debt is to be amortized the note or other evidence thereof, or the mortgage securing same, shall contain appropriate provisions granting any person liable for such debt, the right to pay at any time the entire unpaid balance or any part thereof. "Unless otherwise agreed all such prepayments shall be credited to the unpaid principal balance of the loan as of the due date of the next instalment. No premiums shall be charged for any partial or entire prepayment. (b) Any person liable shall be entitled to prepay a term loan, or any part thereof, upon not less than one month's notice. The note or mortgage shall so provide. (c) Any prepayment shall be applied in the manner and to the items directed by the person making the prepayment. § 36.4214 Pro rata decrease of guaranty. The amount of the guaranty shall decrease pro rata with any decrease in the amount of the unpaid principal of the loan, prior to the date the claim is submitted. § 36.4215 Insurance coverage required. (a) Buildings the value of which enter into the appraisal forming the basis for the loan guaranteed shall be insured against fire, and other hazards against which it is customary in the community to insure and in reasonable amount, at least equal to the amount by which the loan exceeds the value of the encumbered land, plus that of the improvements included in the appraisal but which are not subject to the hazards insured against: Provided, That upon a satisfactory showing at the time of application for guaranty that (1) it is i m possible or impracticable to obtain such insurance because of location, prohibitive cost, or other good reason; (2) prudent lenders in such community customarily do not require such insurance, or some portion thereof (amount or hazard), and (3) the lender submitting the application is willing to make the loan without insurance coverage on one or more of the buildings, or without certain coverage, or in a reduced amount, and subject to the provisions of paragraphs (b) and (c) of this section; the Administrator may at the time of approving the application waive all or part of such insurance requirements, subject to the provisions of said paragraphs (b) and (c) of this section. No waiver will be granted on the basis of premium cost in any case wherein the premium cost on an annual basis does not exceed $5.00 per $1,000 of insurance against the hazard of fire, or $10.00 per $1,000 for fire and all other hazards covered by the insurance. For loans on personality, insurance collectible in amount equal to the debt and against the hazards usually insured against, if reasonably available, at reasonable cost shall be required. The insurance coverage on personalty will be a factor in determining the practicability of the loan. The procuring of insurance of the amount and coverage stated in the approved application shall constitute conclusive evidence of waiver by the Administrator of insurance in excess of the amount stated in or in connection with the application and also all hazards and property not mentioned therein as hazards and property to be covered. The creditor shall require that there be maintained in force such insurance of the coverage stated in the approved application in an amount not less than the amount stated or the amount of the unpaid indebtedness whichever is th£ lesser. In the event insurance becomes unavailable the fact shall be reported to the Administrator for determination whether waiver shall be granted or loan declared in default. (b) For the sole purpose of determining the amount payable upon a claim under the guaranty after an uninsured loss (partial or total) has been sustained, the unpaid balance of the loan (except as provided in paragraph (c) of this section) will be deemed to have been reduced by an amount equal to the amount of the uninsured loss, but in no event below an amount equal to the value of the land and other property remaining and subject to the mortgage. (c) There shall be no reduction of the amount of the guaranty as provided in paragraph (b) of this section by reason of an uninsured loss which is uninsured (as to hazard or amount) by reason of a waiver by the Administrator as provided in paragraph (a) of this section. (d) All insurance effected on the mortgaged property shall contain appropriate provisions for payment to the creditor (or trustee, or other appropriate person for the benefit of the creditor), of any loss payable thereunder. If by reason of the creditor's failure to require such loss payable provision in the insurance policy payment is not made to the mortgagee the liability on the guaranty nevertheless shall be reduced as provided in paragraph (b) of this section with respect to an uninsured loss, except to the extent that the liability under the policy was discharged by restoring the damaged property, by the insurer, or out of payments thereunder to the insured, or otherwise. No waiver pursuant to paragraph (a) of this section shall modify this paragraph ( d ) . (e) Upon the creditor (or trustee or other person) collecting the proceeds of any insurance contract, or other sum f r c m any source by reason of loss of or damage to the mortgaged property, he shall be obligated to account for same, by applying it on the indebtedness, or by restoring the property to the extent the expenditure of such proceeds will permit. As to any portion of such proceeds the mortgagee is not entitled to retain for credit on such indebtedness or by reason of other legal right he shall hold and be obligated to pay over the same as trustee for the United States and for the debtor, as their respective interest may appear. ( f ) Nothing in §§ 36.4200 to 36.4251, inclusive, shall operate to prevent the veteran from procuring acceptable insurance through any authorized insurance agent or broker he selects. In all cases th? insurance carrier shall be one licensed to do such business in the State wherein the property is situated. § 36.4216 Loan charges, (a) In the case of a purchase of business or real or personal property by the veteran, and a guaranty pursuant to the act and §§ 36.4200 to 36.4251, inclusive, of an indebtedness representing part of the purchase price, there may be charged to the veteran and included in said note amounts actually paid or incurred by the seller (mortgagee) for such expenses and charges as are chargeable to such purchaser in accord with local custom, if the purchaser so agrees, such as fees for appraisals, credit and character report on the veteran, surveys, fees of purchaser's (not seller's) attorney, recording fees for recording the deed (or other conveyance) and the mortgage only, premiums on fire and other hazard insurance that may be required in accordance with §§ 36.4200 to 36.4251, inclusive. (b) In the case of a loan to the veteran, charges in accord with local custom, such as fees for appraisals, credit and character report, surveys, abstract, or title search, curative work and instruments, attorney fees, fees for tax certificates showing all taxes paid, premiums on fire and other hazard insurance that may bo required in accordance with §§ 36.4200 to 36.4251, inclusive, revenue stamps, recording fees, etc., all limited to amounts actually paid or incurred by the lender, may be charged to the borrower and withheld from the gross amount of ' the loan. (c) Any unreasonable charges shall be grounds for denying an application for guaranty. No brokerage or other charges shall be made against the veteran for obtaining any loan guaranty under this title. § 36.4217 Interest, (a) The rate of interest chargeable on a loan guaranteed fully or in part, shall not exceed 4 per centum per annum on unpaid principal balances. Interest may be computed in accordance with standard amortization practices.-* (b) The rate of interest on a secondary loan which is guaranteed pursuant to section 505 of the act may exceed by not more than 1% per annum the rate charged on the principal loan, but in no event shall the rate on the secondary loan exceed 4% per annum. § 36.4218 Advances, (a) Nothing herein shall prevent the creditor from making advances for the benefit of the mortgagor to pay taxes, and assessments on the real property (if any) securing the indebtedness, insurance premiums as they become due and the cost of the emergency repairs needed to protect the some particular emergency requirement of the business other than a working capital requirement, in order to prevent a default or to protect the security for the loan. The amount guaranteed by the Administrator shall be increased pro rata with all such increases in the unpaid principal balance of the loan; Provided, That (1) the annual interest rate on all advances shall not exceed 4 per centum per annum; (2) the terms of repayment shall not extend the date of the amortization of the loan, (3) the amount of the guaranty shall in no event exceed the original amount thereof, nor exceed the percentage of the indebtedness originally guaranteed, and (4) as to advances to cover an emergency requirement, the transaction is reported to the Administrator before or within 10 days after such advance, and is approved by him. (b) In the case of any advance made by a creditor to a debtor, the creditor with the consent of the debtor, may apply any and all payments made by the debtor for a period of twelve months to the liquidation of the advance without considering the original loan in default. This shall not be construed to extend the period of indulgence contemplated by §§ 36.4234 and 36.4235. GUARANTY BY THE ADMINISTRATOR § 36.4220 Limits. In no event will the aggregate obligations of the United States as guarantor under Title III exceed $2,000 in respect to, one veteran, whether there be one or several loans, and whether some are obtained for the acquisition of a home, others for a farm, and others for business, or equipment, or other purposes. Repayment of a loan or loans in whole or in part, or transfer of the encumbered property does not modify or enlarge such limitation. The guaranty shall not at any time exceed 50 per centum of the aggregate of the indebtedness for any of the purposes specified in sections 501, 502 and 503 of the act. § 36.4221 Second loan under section 505 (a). Section 505 (a) of the act provides that when the principal loan for any of the purposes stated in section 501, 502 or 503 is "approved by a Federal agency to be made or guaranteed or insured by it pursuant to applicable law and regulations, and the veteran is in need of a second loan to cover the remainder of the purchase price or cost, or a part thereof," the Administrator may guarantee the full amount of the second loan. Provided: (a) It does not exceed 20 per centum of the purchase price or cost. (b) The amount guaranteed together with all other guarantees under Title III for the same veteran does not exceed $2,000. (c) The loan conforms to all other applicable requirements of §§ 36.4200 to 36.4251, inclusive. § 36.4222 Two or more eligible veterans or borrowers, (a) In the absence of a statement to the contrary, an application signed by two or more eligible veterans shall be conclusively presumed to be an application by each for the guaranty of an equal proportionate part of the entire amount to be guaranteed: Provided, however, That if husband and wife execute the application, both being eligible veterans, it will be conclusively presumed in the absence of a contrary statement in the application that it is an application for guaranty on behalf of the husband only, unless the amount of guaranty then available to the husband is insufficient to meet the requirements of the case for guaranty of a proper amount under §§ 36.4200 to 36.4251, inclusive, and the terms of the application; in which event the deficiency may be charged against the amount available to the wife, unless she has in the application or otherwise (before a p proval) stated in writing her unwillingness to be so charged. (b) The Administrator will not require a wife to sign an application made by her husband. If she also is an eligible veteran and desires to exercise her right as such to obtain a guaranty, a separate application by her will.be required. Signature of her husband to indicate his pro -forma joinder will be required only when the wife is resident of, or the application is signed in, or the property to be encumbered is situated in, a State under laws of which such contract cannot be legally executed by a married woman alone as in the case of an unmarried woman. § 36.4223 Maximum liability where there are two or more veterans, (a) For the purpose of determining the maximum amount of the potential liability of the United States under a guaranty incident to an obligation on which two or more eligible veterans who applied for the guaranty are liable, the obligation will be deemed a several, and not a joint, obligation of the respective applicants who were charged with the guaranty or a part thereof notwithstanding that as among the debtors or any of them, and as between them, or any of them, and the creditor, the o b ligation is in fact and law a joint obligation or a joint and several obligation. (b) In no event will the amount of any veteran's debt thereunder be deemed to exceed for guaranty purposes the amount for which such veteran is legally liable to the holder of the obligation, nor the value of the interest of the veteran in "the property. If more than one of the obligors is an eligible veteran and application by him or them is granted, the m a x i m u m aggregate amount of the guaranty will be the sum of the amounts available to each applying veteran but in no event will the aggregate of the guarantees f o r more than one veteran exceed 50 per centum 6 of the total loan except as provided under section 505 of the act. For the purpose of § 36.4223 the wife of a principal obligor shall not be counted unless (1) she is legally liable on the obligation under the law of jurisdiction where she executed it, and (2) if she is a veteran she be properly chargeable with a part or all of the guaranty as provided in § 36.4222. § 36.4224 Veteran's application, (a) T o apply for a guaranteed loan the veteran and the prospective lender shall complete and sign in duplicate Form 1842, Application for Business or Business Realty Loan Guaranty, Form 1842b, if loan does not exceed $5,000, and both that form and Form 1842c, if the loan exceeds $5,000, Supplement to Application for a Business or Business Realty Loan Guaranty (Exhibit A and Exhibit B ) . Before or after preparing the application, and before submitting it, the lender and the veteran will address a joint inquiry to the regional office or combined facility having jurisdiction of the territory in which the veteran resides whether the proposed borrower is eligible and the amount of his available guaranty. This information will be supplied on Form 1800, Certification of Eligibility. In addition to the necessary identifying information. they will state whether the property to be encumbered is real or personal, or both, the State and county in which it is situated and the nearest highway. The Administrator will reply on said Form 1800 or otherwise, stating the name and address of an approved appraiser of realty, and in the case of personal property, the person or persons to function as such. When the lender is a bank Form 1845, Appraiser's Check Sheet, may be completed by the bank and forwarded with the application to the agcrcy. (b) Before forwarding the executed application the prospective lender shall procure a credit report on the borrower and an appraisal of the business or real property by the appraiser designated. (c) In every case involving real property, the appraiser's report shall indicate the basis, by survey or otherwise, of identifying the property appraised as that to be encumbered to secure the proposed loan. Serial numbers, if any, and other identifying data will be included in a report dealing with personal property to a sufficient extent to identify the property appraised as that which is to be encumbered. ( d ) If the supplies, equipment, machinery, or tools purchased are new and bought through normal commercial channels, the invoice price will be considered "the reasonable normal value" provided such price does not exceed the published price less any available trade or other discounts, and does not include any amount representing a prem'ium or other charge for immediate possession or delivery. If the articles are "used" an appraiser will be designated by the Administration as provided in paragraph (a) of this section. (e) If (1) under §§ 36.4200 to 36.4251, inclusive, a mortgage is not required and (2) the lender does not require a mortgage, and (3) the loan otherwise c o m - plies with §§ 36.4200 to 36.4251, inclusive, paragraph (c) of this section; paragraph (e) of § 36.4225; paragraphs (a), (d) and (e) of § 36.4230 shall be inapplicable to such loan and any guaranty thereof. § 36.4225 Paper required. The prospective lender shall submit to- the agency the following papers: (a) Certification of eligibility. (See § 36.4224 (a).) (b) Loan guaranty certificate. (Form 1841 attached to application.) (c) Original application for guaranty signed by prospective lender and borrower. (See § 36.4422 (a).) (d) The credit report. (See § 36.4224 (b) and (d).) (e) The appraisal report, if required. ( f ) Copy of any option agreement, loan agreement or conditional sales agreement used in the transaction. (g) Proposed loan closing statement of the estimated amounts to be disbursed by the lender for the account of the borrower. (See Form 1861.) (h) Unless stated in the mortgage, or otherwise in the papers submitted, a statement of the kinds and amounts of insurance to be required to protect the mortgagor, the lender and the Administrator against loss by fire and other hazards, and the estimated premium cost thereof. (See § 36.4215.) (i) When applicable, the original and copy (both signed) of Form 1862, Application to Amend Loan Guaranty Certificate. (See § 36.4231 (c) and (d).) § 36.4226 Recommendatiofi for approval of guaranty. The agency shall review the papers to determine whether it will recommend approval of the application for guaranty. Thereupon the agency shall forward all the papers to the appropriate office of the Administrator with recommendation that (a) the Administrator approve the application, or (b) he disapprove it. If disapproval is recommended the reasons therefor shall be stated in writing at the time the papers are forwarded. A recommendation that the application be approved shall be appropriately endorsed on the original of the application. § 36.4227 Administrator's action on application, (a) Upon receipt of the papers from the agency, the Administrator will determine whether to approve the application. If disapproved he shall return to the proposed lender all papers except the original application for guaranty and the original appraisal report and shall state that the application for guaranty has been denied and the reasons therefor. He shall send a copy of the letter to the veteran and the agency. Upon denial any expenses incurred by the lender or borrower shall be borne by them or either of them as they shall have agreed. (b) (1) The veteran and the proposed lender, or either, may appeal to the A d ministrator for review of a denial of the application. (2) Such appeal may be by letter, or on any prescribed form, and shall be mailed or delivered to central office of the Veterans Administration within one month after receipt of notice of denial. (c) (1) If for any reason the loan transaction is not concluded and the same or another lender thereafter wishes to consider making a loan on the same security described in the original application, a supplemental application, if the same lender, or a new application if a different lender, may be submitted. If accompanying it is a statement by the borrower and lender that the condition of the security is substantially the same as when the appraisal report was made, the supplemental or new application may be approved without a new appraisal, if the supplemental or new application shall have been received by the Administrator within three months from the date of the appraisal report. (2) Without reference to the time limit stated in subparagraph (1) of this paragraph (c) a copy of the appraisal report will be supplied without cost to a prospective new lender, or to "the original proposed lender at the currently prescribed price for a copy. § 36.4228 Execution and form of guaranty. (a) If the Administrator approves the application he shall notify the Agency and the veteran thereof. For the purpose of evidencing the contract of guaranty, he shall execute a loan guaranty certificate, to become effective upon the conditions therein stated. It shall be in substantially the form following: Veterans Administration Finance Form 1841 UNITED STATES OF AMERICA L O A N GUARANTY CERTIFICATE ISSUED VETERANS State BY ADMINISTRATION (Where property is located) (Lender, exactly as payee's name will appear on note.) R. F. D. or Street Post Office County (State) Number LB (To be filled in by V. A.) (Borrower-Veteran, exactly as to be signed on note and mortgage.) R. F. D. or Street Post Office County (State) I A. This certificate shall become effective when the requirements of the statute and regulations have been complied with and the. acts certified in part III hereof have been accomplished in compliance with said requirements. B. When it becomes effective as hereinabove prescribed, this certificate shall obligate the United States of America to pay to the legal holder of the "note" described on the reverse hereof upon his duly filing claim therefor: 1. All or such portion of the maximum amount hereby guaranteed as becomes payable upon the conditions, at the times stated in, and in accordance with the provisions of the Servicemen's Readjustment Act of 1944 (38 U. S. Code 693; 53 Stat. 284), and the regulations issued pursuant thereto which are in effect on the date of tfiis certificate. In no event will the obligation under this certificate exceed $2,000. Subject to the foregoing, this guaranty is for per cent u m of the principal amount of said "note," 7 but not for more than $ In no event will it exceed said percentage of the principal amount. 2. At the expiration of 1 year from the date of the "note." an amount equal to the interest for 1 year at the contract rate on that portion of the indebtedness ( " n o t e " ) originally guaranteed hereby, such payment to be credited on the indebtedness as prescribed by said regulations. C. Executed on behalf of the United States of America by the Administrator of Veterans' Affairs, through the undersigned authorized agent on this date, to become effective in the manner hereinabove prescribed. Dated. A D M I N I S T R A T O R OF V E T E R A N S ' A F F A I R S , By At (Authorized agent (Name of place, if any, and R. F. D. Also number or name of nearest Street and number in city, etc.) (County, Parish) (State, District, Territory) III CERTIFICATION B Y BORROWER AND LENDER A. We hereby warrant that (1) the undersigned borrower names on the reverse hereof executed the note, the face amount of which is $ consisting of $ principal and $ interest, as d e fined in the regulations; (2) it is dated the day of 19__; (3) borrower (s) and mortgagor(s) delivered it t o gether with the "mortgage" (as defined in the regulations) bearing the same date, and executed to secure payment of said note; (4) said note and mortgage are in the form and type contemplated in the application of the undersigned pursuant to which this loan guaranty certificate was issued; and (5) the principal stated above has been paid to, or according to the directions of, the undersigned borrower(s). B. The undersigned lender warrants that (1) the same "mortgage," duly executed and witnessed, acknowledged, or proved as required by law. was properly filed, or filed for record, if and as provided by law on the day of 19—, at M; and was given file No. by the R e corder or other proper officials; (2) that it covers the property described on the reverse hereof, which is the same property described, or otherwise identified, or referred to, in the above-mentioned application for guaranty, and in this loan guaranty certificate or in the Application to Amend Loan Guaranty Certificate, if any, applicable to such loan; (3) that no lien superior to said "mortgage" has intervened since the date of said appli- (Lender(s)) SEAL| By - Description of Property to be "Mortgaged" (Lot and block, section and township, land lot and Land District etc. and surveyor's field notes where appropriate, and any other language proper to complete description. Include description of personal property, if any. Describe fully: show serial numbers, If available, or any other means of identification.) (City, Town, Village) (Secretary) Mr. Mrs. Miss [CORPORATE NOTE: If loan Is not closed, the proposed lender, or when paid, the holder of the note will mark this certificate "Cancelled." sign thereunder, and return to Veterans A d m i n istration. II highway. (All signatures must be in ink) (If a corporation) r (Post Office) Premises identified as cation unless the application indicates it is for a loan to be secured by a second lien as prescribed by the regulations; and (4) if the approved application for guaranty related to a loan wholly or partly to be secured by a hypothecation or a pledge of personal property, such hypothecation or pledge has become effective by appropriate delivery to the lender and no superior lien has intervened since date of application. Mr. Mrs. Miss Mr. Mrs. Miss Title (President, vice president, etc.) (Borrower ( s ) ) If thwnote is unsecured, references to "mortgage" in paragraphs " A " and " B " above are inapplicable. (See Regulations, §§ 36.4205 and 36.4208). N O T E 2. If the local law provides for filing only, not recording, chattel mortgages or similar instruments, paragraph " B " above nevertheless is to be completed. It refers to not only the County Recorder or Clerk, but also to the State Commissioner of Motor Vehicles or other official who keeps motor vehicle mortgage records, and to other similar officials, State or County. N O T E 1. (b) The word principal as used in the Loan Guaranty Certificate and the certification on the reverse thereof means the amount of money actually disbursed to or for the account of the borrower. § 36.4229 Disposition of papers. The original application for guaranty and the appraisal report will be retained in the files of the Veterans Administration. The Loan Guaranty Certificate and all other papers will be forwarded to the proposed lender with instructions as to closing the loan in a manner to make the guaranty effective. § 36.4230 Loan procedure after approval of guaranty. Upon receipt of the papers from the Administrator, the lender shall: (a) Satisfy himself by title certificate as defined in these regulations as to the title to the real estate to be encumbered and satisfy himself in such reasonable manner as may be available as to the title to personal property to be encumbered. (b) Cause all necessary instruments to be properly signed and those to be filed, or filed and recorded, properly witnessed, acknowledged or proved so as to entitle them to filing or recordation. (c) Disburse all funds in substantial accord with the proposed loan closing statement submitted with the application. (See § 36.4225.) (d) File with the proper State, County or other public official, to be retained where required, or recorded and returned, the "mortgage", and any other appropriate instrument which under the law of the State is required or permitted to be filed or recorded for the purpose of establishing a valid lien as between the parties, or third persons, or of giving actual or constructive notice of the "mortgage", pledge, hypothecation, or other transaction. (e) Take possession or do any other necessary act to make effective the pledge, or hypothecation, if any. § 36.4231 Report of closing loan, (a) Within two months after closing the loan and filing with the appropriate public official of the proper instruments, or the taking of other appropriate steps, if any, to make the lien effective, the lender shall complete and forward to the Administrator (using prescribed form, if available) a properly signed report of closing the loan stating that: (1) The disbursement of the amount named in such report as the principal of the note has been completed by the lender which amount may be not more than 3% in excess of the amount of the proposed loan as stated in the original application for guaranty without complying with the procedure stated in paragraphs (c) and (d) of this section. (2) Such disbursements were as estimated on tjie loan closing statement submitted with the application, except as otherwise stated on the reverse side of the loan c l o s i n g statement. (See § 36.4225.) (3) The note and the mortgage (or other security instrument) were properly executed stating the date, and the latter was duly acknowledged, witnessed, or proved so that it was legally eligible for filing and for recording if appropriate; the date and hour when, and county in which it was properly filed; and the filing number thereof; or in the case of a pledge or hypothecation the necessary possession, or other steps were taken to make same effective. (4) The note was dated, (stating the date thereon), and signed by the debtor; the actual principal amount thereof, and the rate of interest provided therein. (5) The Loan Guaranty Certificate (stating its L-number) was completed, and appropriately signed by the lender and the borrower as therein provided. (b) If lender is a corporation its corporate seal shall be impressed on such report. (c) If the transaction to be closed is essentially the same as indicated in the original application except that: (1) The amount of the loan actually to be made is more than 103% of the amount stated in the application, or (2) personal property to be acquired differs from that described but is for the same use or purpose, and substantially similar in kind, quality and value. Form 1862, Application to Amend Loan Guaranty Certificate, will be completed and signed in duplicate. (d) The lender will forward the original and copy of Form 1862, Application to Amend Loan Guaranty Certificate, to the "Agency", which will recommend approval or disapproval and forward both to the Veterans Administration office which issued the Loan Guaranty Certin- 8 cate. Such office will determine whether to approve the Application to Amend Loan Guaranty Certificate. Such determination will be based on the original application, the evidence submitted in or with the original application, the application to amend, the recommendation of the agency, and such other evidence, if any, as it considers necessary. Notice of action will be given as in the case of original applications. If approved such approval will be appropriately indicated on the original, and such original, duly executed by the Veterans Administration will be forwarded to the lender. It may be attached to the original Loan Guaranty Certificate to evidence amendment thereof as reflected by such "rider". out consent the amount of the guaranty will be reduced proportionately in the same manner as if the value of the released property were applied as a credit on the unpaid balance of the loan. The provisions of this paragraph (e) will not be construed to affect the guaranty in the event of any grant of title or easement that leaves unaffected the lien on the property affected thereby; or (f) Sale by reason of foreclosure of a superior lien if the holder of the guaranteed loan secured by a subordinate lien has knowledge of such foreclosure sale as much as 10 days prior thereto and fails to notify the Administrator of the time and place thereof. ponement, with the consent of the Administrator, shall not operate to void or diminish the ultimate liability under the guaranty. Consent is hereby given for the lender to agree to deferring or reducing payments for not more than six months on an amortized note but not beyond a date six months beyond its original maturity, and subject to the same limitation, not beyond 20 years from date of the note. In no event shall indulgence or postponement of action authorized by §§ 36.4200 to 36.4251, inclusive, impair any right of the creditor to thereafter proceed within the applicable statute of limitations period as if there had been no indulgence or postponement. CLAIMS UNDER A GUARANTY § 36.4233 When guaranty does not apply. The guaranty shall not cover any loss sustained by the creditor as the result of: (a) The acceptance by the mortgagee of a mortgage on any real or personal property, title to which is not merchantable; (b) Failure of the mortgagee to procure a duly recorded lien of the dignity required by §§ 36.4200 to 36.4251, inclusive; or a lien of such dignity by filing, without recording, if lawful, or by pledge or otherwise as required or permitted by applicable law in the jurisdiction where the property is situated at the time the loan is closed; (c) Failure of the mortgagee to comply with § 33.4215 with respect to insurance; (d) A tax sale pursuant to execution, or otherwise as provided by law, occasioned by nonpayment of taxes accruing against the mortgaged property after the date of the mortgage if mortgagee fails to give notice to the Administrator of the delinquent taxes at least one month before such sale; (e) A release by the creditor of the lien on any of the real or personal property securing the guaranteed loan, or any part thereof unless the Administrator consents in writing. Such consent may be granted if the debt is appropriately reduced or on such other terms as the Administrator may determine: Provided, however. That if the land is sought by a public authority f o r highway or other purposes, consent is hereby given for the creditor to release without consideration or for such consideration as he deems proper and without reference to the Administrator, the creditor's lien on land without any buildings thereon if the land so released does not exceed five percent of the acreage encumbered and does not exceed $200 in value. The same consent is hereby given when the release, easement grant, or other instrument is sought by a public or private agency, or person, for the purpose of pipe line, telephone, telegraph or electric transmission lines: Provided, however. That when such releases, or grants by the lender for any one or more of the purposes stated in this paragraph ( e ) , or otherwise, with or without specific c'onsent by the Administrator, shall have decreased the security as much as five percent in acreage, or $200 in value, no further releases shall be executed, without consent of the Administrator. If such are executed with- § 36.4234 Default, (a) In the event of default, not cured, continuing; (1) three months on an amortized loan which is secured by a mortgage on real property; (2) one month on an unamortized loan unsecured, secured by real or personal property; (3) two months on an amortized loan which is unsecured or secured by a lien on personal property, the creditor may elect tq assert claim under the guaranty, and give notice thereof to the Administrator. (b) If any default occasioned by failure seasonably to pay to the creditor entitled any amount of principal or interest due him under the contract (not cured) shall have persisted as long as six months on the type of loan described in paragraph (a) (1); or three months on the type described in paragraphs (a) (2) or (a) (3), the holder of the indebtedness shall give notice thereof to the Administrator notwithstanding the failure results from payments on advances as provided in § 36.4218 or from any indulgences of the debtor as provided in §§ 36.4235 or 36.4241. (c) (1) The notice shall state the loan guaranty number if available. If not available other identifying data shall be included, such as date and amount of original obligation, location of Veterans Administration office that issued the guaranty and the property encumbered. (2) In all cases the notice shall state the name and last known address of the debtor, of the veteran, and of the creditor, and the date and manner of default, and amount past due. If he desires, the creditor may also state his views as to any indulgence that should be extended. (3) The notice to the Administrator shall be mailed by registered mail or personally delivered in exchange for a written receipt within one month after the expiration of the periods prescribed in paragraph (b) of this section. § 36.4236 Legal action, (a) The creditor shall not begin action in court, or give notice of sale under a power of sale, until the expiration of 30 days after receipt by the Administrator of the notice of intention to foreclose. Notwithstanding paragraph (a) of § 36.4234 such notice may be given at any time after a default. (b) (1) If the circumstances require immediate action to protect the interest of the creditor or the Administrator, the Administrator may waive the requirement for prior notice if notice of the action taken is immediately given. (2) Without limiting the foregoing, the existence of conditions justifying the appointment of a receiver for the property shall be sufficient excuse for beginning suit without prior notice to the Administrator if within ten days after commencement of the suit or action, plaintiff gives the Administrator notice thereof. (c) Subject to the provisions of this paragraph (c) thq, right to repossess personal property by virtue of law, or any contract, may be exercised without prior notice to the Administrator, but he shall be given notice thereof within ten days thereafter, and he or the debtor may exercise any rights of redemption or other legal rights available under the law of the jurisdiction within 30 days after such notice, or such longer period, if any, as is provided by such law. In any case the debtor or the Administrator shall De entitled to a good title to and possession of such property so repossessed upon compliance with the conditions of any agreement or upon paying or tendering to the person then in possession thereof within 30 days after such notice, the unpaid balance of the debt with interest to date of tender, and a reasonable sum in addition to cover expenses of the repossession. § 36.4235 Claim on notice of default. (a) In the notice of default or separately, then, or later, the creditor may make claim under the guaranty. (b) Then or thereafter the creditor may also give notice of his intention to foreclose the lien or 'liens securing the indebtedness. (c) The Administrator may approve the creditor's request, if any, to postpone action to press his claim against the mortgagor, or the property. Such post- § 36.4237 Notice of suit and subsequent sale, (a) Within ten days after beginning suit or causing notice of sale without suit to be given, the creditor shall notify the Administrator thereof by registered mail or personal delivery in exchange for written receipt. The notice shall state whether the foreclosure will be by proceeding in court, or under a power of sale; the type and number of the suit, if any, and the name and location of the court in which pending. (b) The creditor shall give written notice to the Administrator by registered mail (or delivery) of any foreclosure sale, judicial, or under a power of sale; or of any proposed termination of the rights of any vendee or his immediate or remote grantee (assignee) pursuant to any power or option in a sales contract, or in any other instrument affecting the property which constitutes any security for the obligation guaranteed. Such notice shall be given so that it is received at least thirty days before such sale or other proposed action. It shall state the date, hour and place thereof. The Administrator may bid thereat on the same terms as the lender or other bidders, and may exercise any right the debtor could exercise by virtue of the contract, or any statute, or otherwise. This section is applicable whether the suit, or the sale, or termination, occur before or after payment of the guaranty. § 36.4238 Death of veteran or other owner, (a) In the event the creditor has knowledge of the death of the veteran, or of any owner of an interest in the encumbered property, or the death of any other person liable on the indebtedness which is guaranteed in whole or in part, the creditor shall take such steps, if any, as are legally necessary, and reasonably available, in the jurisdiction where the encumbered property is situated, to avoid loss of the lien, or impairment thereof, or of all or part of the proceeds of any sale of the property as a result of, or incident to, such death, or of any probate proceedings thereby occasioned in said jurisdiction. (b) In addition to protecting the lien rights as required by paragraph (a) of this section, the creditor at his discretion may proceed in probate, or otherwise, as may be permissible and feasible in any jurisdiction where administration proceedings are pending or properly may be instituted, or other appropriate legal action taken against assets or persons, to assert any rights, by means of any remedies, therein available to a similarly situated creditor of the decedent. (c) Upon direction of the Administrator and his designation of an accessible attorney for the purpose, and making appropriate provisions for advancing or paying the costs and expenses of the proceeding, the creditor shall proceed as provided in paragraph (b) of this section: Provided, however, That in any case the Administrator may, at his option, proceed immediately in respect to protecting the lien, or asserting claim as c o n templated by paragraph (b) of this section, or as to both remedies. If the A d ministrator takes action, it may be in his name or the name of the creditor as the Administrator may elect and as may be appropriate under applicable law. If action is taken by the Administrator he shall seasonably notify the creditor thereof. vd> Nothing in this section shall i m pair any right of set-off or other right or remedy of the Administrator. § 36.4239 Death or insolvency of creditor. (a) Immediately upon the death of the creditor and without the necessity of request or other action by the debtor or the Administrator, all sums then standing as a credit balance in a "trust," or "deposit," or other account to cover taxes, insurance accruals, or other items in connection with the loan secured by the encumbered property, whether stated to be such or otherwise designated, and which have not been credited on the note shall, nevertheless, be treated as a set-off and shall be deemed to have been credited thereon as of the date of the last debit to such account, so ttaat the unpaid balance of the note as of that date will be reduced by the amount of such credit balance: Provided, however. That any unpaid taxes, insurance premiums, rents, or advances may be paid by the holder of the indebtedness, at his option, and the amount which otherwise would have been deemed to have been credited on the note reduced accordingly. This section shall be applicable whether the estate of the deceased creditor is solvent or insolvent. (b) The provisions of paragraph (a) of this section shall also be applicable in the event o f : (1) Insolvency of creditor; (2) Initiation of any bankruptcy or reorganization, or liquidation proceedings as to the creditor, whether voluntary or involutary; (3) Appointment of a general or ancillary receiver for the creditor's property; or, in any case (4) Upon the written request of the debtor if all secured and due insurance premiums, taxes, and ground rents have been paid, and appropriate provisions made for future accruals. (c) Upon the occurrence of any of the events enumerated in paragraph (a) or (b) of this section interest on the note and on the credit balance of the "deposit" mentioned in paragraph (a) shall be setoff against each other at the rate payable on the principal of the note, as of the date of last debit to the deposit account. Any excess credit of interest shall be treated as a set-off against the unpaid advances, if any, and the unpaid balance of the note. (d) The provisions of paragraphs ( a ) , (b), and (c) of this section shall apply also to corporations. The dissolution thereof by expiration of charter, by f o r feiture, or otherwise shall be treated as in the death of an individual as provided in paragraph ( a ) . § 36.4240 Filing claim under guaranty. Claim under the guaranty may be made on Form 1864, Claim under the Guaranty. Subject to the limitation that the total amount payable under the guaranty shall in no event exceed the original amount thereof, the amount payable under the guaranty shall be the percentage of the indebtedness originally guaranteed applied to the indebtedness (as defined in § 36.4200 ( m ) ) computed as of the date of the claim, and reduced by any payments theretofore made by the United States pursuant to the guaranty. § 36.4241 Options available to administrator. Upon receipt of claim under the guaranty or notice of intention to foreclose, the Administrator shall have the following options: (a) Pay to the creditor not later than one month after receipt of notice of any default, as a partial payment of any actual or potential claim under the guaranty, the amount of principal, interest, taxes, advances or other items in default; and in consideration of such payment the lender shall be deemed to have agreed to refrain from giving effect to any acceleration provisions by reason of defaults prior to the date of notice of default theretofore given: Provided, however, That unless the creditor consents, the Administrator may exercise this option once only, and in an amount not exceeding an amount equivalent to the aggregate of principal and interest payable in one year, or not exceeding ten per centum of the original amount of the guaranty, whichever sum is less. (b) Pay the creditor within one month after receipt of claim the full amount payable under the guaranty without requiring foreclosure, or personal action. (c) Pay to the creditor promptly after receipt of claim any amount agreed upon, not exceeding the amount due under the guaranty; and notify him to institute appropriate foreclosure proceedings, with, or without, legal action to reduce the debt to judgment, against all or any of the parties liable thereon, and whose names are stated in such n o tice to the creditor. (d) If the creditor does not begin appropriate action within two months after receipt of notice to institute action as provided in paragraph (c) above, the Administrator shall be entitled to begin and prosecute the same to completion in the name of the creditor, or of the Administrator on behalf of the United States, as may be appropriate under applicable laws and rules of procedure: Provided, however. That in such event the Administrator shall pay (in advance if required under the practice in the j u risdiction) all court costs, and other expenses, and provide the legal services required. § 36.4242 Refinancing and extension of guaranty, (a) When the Administrator shall have received notice from the creditor that he intends to institute foreclosure proceedings, the Administrator shall be entitled to obtain a refinancing which will prevent the consummation of the foreclosure sale. Nothing herein shall be construed to require a creditor to lend money for such refinancing. (b) If refinanced in any manner the Administrator may continue in effect the guaranty granted with respect to the previous loan in such manner as to cover the loan which effected the refinancing. (c) The Administrator in appropriate cases shall be entitled to exercise any redemption rights of a debtor, or a creditor, in connection with the loan guaranteed, or property rights arising out of, or incident to, such loan. § 36.4243 Subrogation. (a) Any amounts paid to the creditor by the Administrator pursuant to the guaranty shall constitute a debt due to the United States by the veteran on whose application the guaranty was made; and by his estate upon his death. The Administrator is subrogated to the contract 10 and the lien rights of the creditor to the extent of such payments, but junior to the creditor's rights as against the debtor or the encumbered property, until the creditor shall have received the full amount payable under his contract with the debtor. No partial or complete release by the creditor of the debtor or of the lien shall impair any rights of the Administrator, by virtue of the lien, or otherwise. (b) The creditor, upon request, shall execute, acknowledge and deliver an appropriate instrument tendered him for that purpose, evidencing any payment received from the Administrator and the Administrator's resulting right of subrogation. § 36.4244 Future action against mortgagor. In addition to the amount, if any, collected from the proceeds of the encumbered property by reason of the right of subrogation, the United States will collect from the veteran, or his estate, by set-off against any amounts otherwise payable to the veteran or his estate; or in any other lawful manner, any sums disbursed by the United States on account of the claim pursuant to the guaranty. § 36.4245 Suit by Administrator, (a) Whenever pursuant to §§ 36.4200 to 36.4251, inclusive, the Administrator institutes, or causes to be instituted by the creditor, or otherwise, any suit in equity; action at law; or probate proceedings or the filing of a claim in such; or other legal or equitable proceedings of any character, or any sale, in court or pursuant to any power of sale, the person or persons promptly instituting the same (including the Administrator) shall be entitled to recoup from any proceeds realized therefrom any expenses reasonably incurred, including trustee fees, court costs, and attorney fee paid (or the reasonable value of the services of the trustee and of the attorney, if performed by salaried person or persons, or by the party himself, when proper). (b) The net proceeds, after setting off such items that may properly be recouped, shall be credited to the indebtedness, or otherwise as may be proper under the facts. (c) In determining the propriety of recoupment and the amount thereof consideration shall be given to any provisions in the note or mortgage relating to such items, and any amounts actually realized pursuant thereto. § 36.4246 Creditor's records and reports required, (a) The creditor shall maintain a record of the amounts of payments received on the obligation and disbursements chargeable thereto, and the dates thereof. Any creditor who fails to maintain such record shall be presumed to have received on the dates due all sums which by the terms of the contract are payable prior to date of claim for default, and the burden of going forward with evidence and of ultimate proof of the contrary shall be on such creditor; not o n the debtor, or the United States. (b) On any delinquent loan the creditor shall report annually on the anniversary of the earliest unremedied de- fault any amount received or disbursed the unpaid balance of principal and a c crued interest and any other items chargeable; and the nature of any defaults not already reported. He shall include such additional information, if reasonably necessary and obtainable, which may from time to time be requested by the Administrator. (c) A proposed lender may be required to submit evidence satisfactory to the Administrator of his equipment for maintenance of adequate records on, and his ability to service, loans if guaranteed pursuant to the provisions of the act and §§ 36.4200 to 36.4251, inclusive. § 36.4247 Failure to supply information. Failure to supply any available information required by §§ 36.4200 to 36.4251, inclusive, within two months after request therefor will entitle the A d ministrator to obtain such information otherwise, and the expense of so obtaining it, plus ten dollars to cover estimated overhead expenses, shall be chargeable to the creditor who failed to comply with such request. § 36.4248 Notice to Administrator. Any notice required by §§ 36.4200 to 36.4251, inclusive, to be given the A d ministrator shall be sufficient if in writing, and delivered at, or mailed to, the Veterans Administration office at which the application for guaranty was approved or to any changed address of which the creditor has been given notice or, at the option of the creditor, to the central office of the Veterans Administration, Washington 25, D. C. If mailed the notice shall be by registered mail when so provided by §§ 36.4200 to 36.4251, inclusive. § 36.4249 Right to inspect books. The Administrator has the right to inspect, at a reasonable time and place the papers and records pertaining to the loan and guaranty. If permission to inspect is declined the Administrator may enforce the right by subpoena under the provisions of Title III of Public No. 844, 74th Congress, 49 Stat. 2031-35, 38 U.S.C. 131, or in any other lawful manner. § 36.4250 Forms, construction to be placed on reference to. All references in §§ 36.4200 to 36.4251, inclusive, to Form 1800, Certification of Eligibility, or to other form numbers shall be construed to include any revision of the same forms, identified by the same, or by different numbers. § 36.4251 Disqualified lenders and bidders. Except under unusual circumstances and upon prior approval by the Administrator an application for guaranty of a loan will not be approved if the lender is known to be an employee of the Veterans Administration or of the Agency; and without such approval, an employee of either may not bid at a foreclosure sale of the security for a guaranteed loan. [SEAL] Administrator DECEMBER 2 0 , FRANK T. of Veterans' HINES, Affairs. 1944. [P. R . Doc. 44-19317; Filed, Dec. 21, 1944; 3:58 p. m . ] PART 4 6 — R E G U L A T I O N S UNDER S E R V I C E M E N ' S READJUSTMENT A C T OF 1 9 4 4 1 GUARANTY OF LOANS ( H O M E ) The following changes are made to the regulations governing the guaranty of loans under Title III of the Servicemen's Readjustment Act of 1944: 1. Paragraph (v) is added to § 36.4000, as follows: § 36.4000. Definitions. * * * (v) "Interest" means the compensation fixed by law, or by the parties to a contract, for the use or detention of, or forbearance with respect to money, irrespective of the name applied to such compensation. 2. In § 36.4012, paragraph amended to read as follows: (b) is § 36.4012 Repayment provisions. * * * (b) If the mortgagor consents the mortgage may provide that each monthly or other periodical payment shall include in addition to the proper amount to be credited to principal and interest a proportionate part of the estimated amounts required annually for all taxes, ground rents if any, special assessments if any, and fire and other hazard insurance premiums. Such provisions may direct the method of crediting the additional amounts included in the periodical payments for the purposes stated in this paragraph. 3. Paragraph (i) is added to § 36.4025, as follows: § 36.4025 (1) When copy (both Application Certificate, Papers required. * * * applicable, the original and signed) of Form No. 1862, to Amend Loan Guaranty (see § 36.4031 (c) and ( d ) ) . 4. Paragraph (c) is added to § 36.4027, as follows: § 36.4027 Administrator's action on application. * * * (c) (1) If for any reason the loan transaction is not concluded and the same or another lender thereafter wishes to consider making a loan on the same security described in the original application, a supplemental application, if the same lender, or a new application if a different lender, may be submitted. If accompanying it is a statement by the borrower and lender that the condition of the security is substantially the same as when the appraisal report was made, the supplemental or new application may be approved without a new appraisal, if the supplemental or new application shall have been received by the Administrator within three months from the date of the appraisal report. (2) Without reference to the time limit stated in subparagraph (1) of this section, a copy of the appraisal report will 1 As printed in the FEDERAL REGISTER, V o l u m e 9, N u m b e r 256, W a s h i n g t o n , S a t u r d a y December 23, 1944. - 11 be supplied without cost to a prospective new lender or to the original proposed lender at the currently prescribed price f o r a copy. 5. In § 36.4028 the existing text is designated (a) and paragraphs (b) and (c) are added as follows: § 36.4028 Execution and form of guaranty. (a) * * * (b) The word principal as used in the Loan Guaranty Certificate and the certification on the reverse thereof means the amount of money actually disbursed to or for the account of the borrower. (c) The certification by borrower and lender in paragraph i n B (3) of the Loan Guaranty Certificates as printed in § 36.4028 shall be deemed to be correct, notwithstanding that the guaranteed loan is secured by a second hen, if, but only if, such is permissible under the regulations and the facts of the case, and if the application for guaranty indicates that the loan is to be secured by a second lien. 6. In § 36.4031, paragraph (a) (1) is amended and paragraphs (c) and (d) are added, as follows: § 36.4031 Guaranty when effective. (a) * * » (1) The disbursement of the amount named in such report as the principal of the loan has been completed by the lender, which amount may be not more than 3% in excess of the amount of the proposed loan as stated in the original application for guaranty, without complying with the procedure stated in paragraphs (c) and (d) of this section. » • * * • (c) If the transaction to be closed is essentially-the same as indicated in the original application except that: (1) The amount of the loan actually to be made is more than 103% of the amount stated in the application, or (2) Personal property to be acquired differs from that described but is for the same use or purpose and substantially similar in kind, quality and value, Form 1862, Application to Amend Loan Guaranty Certificate, will be completed and signed in duplicate. (d) The lender will forward the original and copy of Form 1862, Application to Amend Loan Guaranty Certificate, to the "Agency", which will recommend approval or disapproval and forward both to the Veterans Administration office which issued the Loan Guaranty Certificate. Such office will determine whether to approve the Application to Amend Loan Guaranty Certificate. Such determination will be based on the original application, the evidence submitted in or with the original application, the application to amend, the recommendation of the Agency, and such other evidence, if any, as it considers necessary. Notice of action will be given as in the case of original applications. If approved such approval will be appropriately indicated on the original, and such original, duly executed by the Veterans Administration will be forwarded to the lender. It may be atached to the orig- inal Loan Guaranty Certificate to evidence amendment thereof as reflected by such "rider". 7. In § 36.4032, paragraphs (a), (b) (3), (e) and (g) are amended, and paragraph (i) is added, as follows: § 36.4032 Construction loans, (a) Upon the submission to an agency of an application made pursuant to section 501 (a) or 505 (a) of the act for the guaranty of a loan for the construction of a dwelling on unimproved property owned by the veteran, or under section 501 (b) for construction involving alterations or improvements, the guaranty will be issued to become effective only upon completion of the construction project, and upon fulfillment of the same requirements of this part as are applicable to the guaranty of loans for the acquisition of homes other than by construction. (b) * • * (3) There is issued by the Administrator Form 1863, Approval of Escrow Certificate, which may be attached to the loan guaranty certificate. • • • • * (e) Except where the construction shall have been inspected and approved and completion certified by a Federal Agency making or guaranteeing or insuring the principal loan on such property, as contemplated by section 505 (a) of the act, the Loan Guaranty Certificate shall become effective upon the condition, in addition to those set forth in § 36.4030, that there be supplied to the Administrator a statement by an appraiser on Form 1803 (a), Statement by Appraiser on Completion of New Construction, (1) He has inspected the construction, repairs, alterations, or improvements. (2) The same have been constructed and completed in substantial conformity with the contract, the plans and specifications (if any), and any authorized changes therein (if any), permitted by these regulations, or, in those cases embraced in § 36.4024 (c) or § 36.4024 (e) there are no plans and specifications, within good building practices'. (3) The increased value of the property as completed and which will be e n cumbered is substantially in accord with his estimate. » » • » » (g) Upon compliance with the requirements of this section and of §§ 36.4030 and 36.4031 relating to the guaranty becoming effective in other than construction loan cases, said Loan Guaranty Certificate shall become effective 3ts originally executed (and subject to § 36.4031), or as amended pursuant to approval of application therefor on Form 1862, Application to Amend Loan Guaranty Certificate. (See § 36.4031 (c) and (d).) » • » » • (i) Minor changes may be made in the plans and specifications or substitution of material of substantially equal quality or value, as the creditor, the debtor, and the builder (contractor) may agree if same are not of a major character and in the aggregate do not increase or decrease the cost more than five per centum of the contract price. This does not modify the provisions of § 36.4031. Changes or substitutions other than as herein stated must have the approval of the Administrator. 8. Paragraph (a) of § 36.4033 is amended, and paragraphs (e) and ( f ) are added as follows: § 36.4033 anteed. * Losses which are not guar * • (a) The acceptance by the mortgagee of a mortgage on any property, title to which is not merchantable; * • * • • (e) A release by the creditor of the lien on any of the real or personal property securing the guaranteed loan, or any part thereof, unless the Administrator consents in writing. Such consent may be gran+ed if the debt is appropriately reduced or on such other terms as the Administrator may determine: Provided, however, That if the land is sought by a public authority for highway or other purposes, consent is hereby given for the creditor to release without consideration or for such consideration as he deems proper and without reference to the Administrator, the creditor's lien on land without any buildings thereon if the land so released does not exceed five per cent of the acreage encumbered and does not exceed $200 in value. The same consent is hereby given when the release, easement grant, or other instrument is sought by a public or private agency, or person, for the purpose of pipe line, telephone, telegraph or electric transmission lines; Provided, however, That when such releases, or grants by the lender for any one or more of the purposes stated in this paragraph, or otherwise, with or without specific consent by the Administrator, shall have decreased the security as much as five per cent in acreage, or $200 in value, no further releases shall be executed, without consent of the Administrator. If release of lien is executed contrary to the provisions of these regulations the amount of the guaranty will be reduced proportionately in the same manner as if the value of the released property were applied as a credit on the unpaid balance of the loan. The provisions of this paragraph will not be construed to affect the guaranty in the event of any grant of title or easement that leaves unaffected the lien on the property affected thereby; or ( f ) Sale by reason of foreclosure of a superior lien if the holder of the guaranteed loan secured by a subordinate-lien has knowledge of such foreclosure sale as much as 10 days prior thereto and fails to notify the Administrator of the time and place thereof. 9. Section 36.4040 is amended to read as follows: § 36.4040 Filing claim under guaranty. Claim under the guaranty may be made on Form 1864, Claim under the Guaranty. 12 Subject to the limitation that the total amount payable under the guaranty shall in no event exceed the original amount thereof, the amount payable under the guaranty shall be the percentage of the indebtedness originally guaranteed applied to the indebtedness (as defined in § 3 6 . 4 0 0 0 ( m ) ) , computed as of the date of the claim, and reduced by any payments theretofore made by the United States pursuant to the guaranty. 10. In § 3 6 . 4 0 4 1 , the text immediately eceding paragraph (a) is amended to as follows: § 36.4041 Options available to Administrator. Upon receipt of claim under the guaranty, or notice of intention to foreclose, the Administrator shall have the following options: 11. Sections 36.4050 and 36.4051 are amended to read as follows: § 36.4050 Forms, construction to be placed on reference to. All references in the regulations to Form 1800, Certification of Eligibility, or to other form numbers shall be construed to include any revision of the same forms, identified by the same, or by different numbers. Disqualified lenders and bidders. Except under unusual circumstances and upon prior approval by the Administrator an application for guaranty of a loan will not be approved if the lender is known to be an employee of the Veterans Administration or of the Agency; and without such approval, an employee of either may not bid at a foreclosure sale of the security for a guaranteed loan. § 36.4051 PART 36—REGULATIONS MEN'S READJUSTMENT GUARANTY OP LOANS Administrator DECEMBER 20, FRANK T. HINES, Affairs. 1944. [P. R. Doc. 44-19315; Filed, Dec. 21, 1944; 3:57 p. m.J OF FARMS SERVICE19441 AND FARM Section 3 6 . 4 1 2 8 (b) is amended tcrread as follows: § 36.4128 Execution and form of guaranty. * * * (b) The word principal as used in the Loan Guaranty Certificate and the certification on the reverse thereof means the amount of money actually disbursed to or for the account of the borrower. (58 Stat. 284) [SEAL] FRANK T . • of Veterans ACT EQUIPMENT <58 Stat. 284) [SEAL] ON UNDER DECEMBER 8, HINES, Administrator. 1944. [F. R. Doc. 44-19316; Filed, Dec. 21, 1944; 3:57 p. m.] 1 As printed in the FEDERAL REGISTER, Volume 9, Number 256, Washington, Saturday, December 23, 1944. U. S. GOVERNMENT PRINTING OFFICE! 1944 VETERANS ADMINISTRATION Finance Form 1822a APPLICATION State 1. FOR FARM LOAN GUARANTY Number L. F ( W h e r e property is located) (Lender) . „ * AGE 1 p VETERANS ADMINISTRATION 2. (Exactly as will appear on note) ( T o be filled in by V . A . ) (Borrower—Veteran) ( R . F . D., city, county) (Exactly as will appear on note and mortgage) (Street number, city, county) (State) (State) INSTRUCTIONS (Read carefully before beginning to fill out tb&form I . LOAN-GUARANTY CERTIFICATE ( F o r m 1 8 2 1 ) . Fill in all spaces at top o f the form, except the " L . F . " num lso complete part II, "Description of Property T o Be Mortgaged," in such manner that all required informatr duplicated by a carbon impression in the proper spaces on page 1 of the application. If it is necessarv to iniTe the property description on the reverse side of the certificate, use space on page 2 of the application bon impression thereof. The certificate may be separated from the application along the perforated line/af the m of the page. Submit it to the agency with the application and other papers. (See regulations, seCy^ltiL) copy of the certificate other than the original is necessary. It will be signed and returned to the lendei^ysQi 'terans Administration if the application is approved. I I . APPLICATION FOR FARM LOAN GUARANTY ( F o r m 1822). (a) This form is to be executed in duplica<K/use E<Jrm 1822 a ) . The duplicate copy does not have the certificate attached and will be retained by the l e n d e r y ^ ^ ^ f i g w a l signed copy will be permanently retained by the Veterans Administration and should be sent to the afi^vw w i m ^ t h e r papers. (See regulations, sec. 4125.) ( b ) Every question must be a n s w e r f c ^ / ^ I a c e a check mark (V) in space f o r answer to any question that is not applicable. OvNX ( c ) If the loan is to be secured by pOyScNAI property, but exceeds $1,000, answer question 16 ( o ) with respect to the land on which it is to be used, Kmwithsiafnding the land is not described on page 1 and is not to be encumbered. e continuance of instructions, page 4) cription of Property To Be "Mortgaged" 3. (Lot and block, section and township, land lot and land district, etc., and surveyor's field notes where appropriate, and any other language proper to complete description. Include description of personal property, if any. Describe fully. Show serial numbers, if available, or any other means of identification) Premises identified as nearest highway. (Name o f place, if any, and R . F . D . Also number o r name of Street and number in city, etc.) (City, town, village) (County, parish) (If mere space it needed, continue carbon copy of detcription on reverse) (State, district, territory) PAGE 2 4. Applicant's age 5. Sex 6. Race 7. Service or Serial No 8. Date of birth 9. Place of birth 10. Indicate by cross ( X ) the branch of service in which you served: • Army • Navy • Marine Corps • Coast Guard 11. Date entered service 12. Date separted from active duty — 13. Rank and organization at time of separation 14. If you have served in any branch under another name, state that name, the branch, and dates between which you served under that name. If none, so answer 15. Check one: • Married • Single Full name of wife or husband Boys' ages • Divorced • Widower (or Widow). Number of children - Girls' age3 16. Farming Experience: DATES T Y P E S OP FARMING (a) 17. (a) Lender's $- N U M B E R OF Y E A R S A S L A B O R E R , R E N T E R , S H A R E C R O P P E R , OR S T U D E N T ( S T A T E W H I C H ) OWNER, LOCATION (d) (c) (B) (seller's) estimate of value of property which will be encumbered to secure the Buildings, $ (b) Personal property (identify generally) loan? Land, (c) Name and location of farm, highway numbers, and distance and direction from nearest town (d) If tenant, state amount of rent (e) Unexpired term ( / ) Do you have option to purchase? ( g ) Number of acres, cultivated (h) Woodland (i) Pasture land ( ; ) Wasteland (k) Total acres (I) Amount and kind of fencing (m) Source of water supply (n) Is electricity available f o r lights, power? (o) Describe dwelling—number of rooms, type of construction, etc (p) Kind and size of outbuildings (q) What estate in the land described on page 1 hereof are you to own or do you now own? (State whether fee simple o r other estate. If a lease only o r sharecropper, state) (Also state whether all or an undivided"interest; and if latter, how much) (r) Do you occupy or intend to occupy the farm as your home? (s) Do you operate or intend to operate the farm yourself? (as provided in sec. 4100 ( b ) of the regulations). 18. Proposed Farm Operations: CROPS ACRES PRODUCTION T o B E SOLD U N I T PRICE TOTAL (a) (b) (c) (d) (e) (f) 13-42148-1 TOTAL, PAGE 3 1£>. Production of Livestock and Livestock Products: N U M B E R ON LIVESTOCK (b) (a) (e) TOTAL U N I T PRICE T o B E SOLD PRODUCTION HAND (c) (d) (f) $ TOTAL, $ Total assets (from col. I) II. Liabilities Indebtedness: (a) Secured . . . $ (b) Unsecured ( c ) Total indebtedness (d) Net worth I. Assets 20. (a) (b) (c) (d) (e) (/) Cash Value of land Buildings . . Machinery . Livestock . . Other ? r $ TOTAL. $ . (9) 21 I. Estimated Total income (from col II. Estbn Income (a) Crops penditures (а) Farm operatin a n d livi expenses (б) PaynuMLl debt (b) Livestock ( c ) Compensation or pension from U. S. Government (d) Other income of veteran . . . (e) Of wife (or husband) . (c) . (d) I Cither OO \TotfiJ^:penditures (/)OExcess of income over expendi- (/) TOTAL, -N^tures $. 3r guaranty of any other loan or loans? 22. Have you applied to the Administrator of Veterj (Yes or No) If yes, give the following information for each< . D A T E OP A P P L I C A T I O N ( s ) NAME AND ADRF^S OF LBMDER(S) P U R P O S E OF LOAN(S) (c) (a) W A R LOAN CLOSED AMOUNT (d) OF GUARANTY (e) $ X V J) N X . .. . I 23. (a) Is loan to be secured by a second lien pursuant to sec. 505 of the act? (b) If "yes" state name and address of holder of primary loan (c) Amount of primary loan $ (d) Interest rate per year (e) Final maturity date? ( / ) Amount of payments? $ (ff) How often due? (h) Name of Federal agency making, insuring, or guaranteeing primary loan? 24. PROPERTY INSURED (a) FIRE (.Yes or No) (b) AMOUNT (c) A N N U A L PREMIUM PER $ 1 , 0 0 0 (d) OTHER ( S p e c i f y Amount, Nature— e. g. storm, hail, etc.) (e) A N N U A L PREMIUM PER $ 1 , 0 0 0 (e> 25. (a) Purpose of the loan hereby applied for is: (6) Cost to veteran of real or personal property to be purchased, $ (c) Repairs, alterations, or improvements to any buildings or equipment, $ (d) If for taxes, special assessments, or delinquent indebtedness, state amount of loan f o r : (i) Taxes, $ (ii) Special assessments, $ (iii) Delinquent indebtedness, (iv) Total amount of outstanding, $ (State which) Payable this fiscal year, $ 26. (a) Amount of loan now applied for, $ (c) Maturities (d) Secured by mortgage or (v) Payable per year, $ , beginning _ (b) Rate of interest % per year. (Deed of truBt, conditional sales contract, etc.) NOTE.—Must bo first! llan except as otherwise provided in regulations. 27. Amount of guaranty hereby requested, $ 28. Have you read or had read to you Form 1824, "Explanation of Farm Loan Guaranty"? 29. The person signing this application as the veteran hereby represents that he is the veteran named in question 2 on page 1 of this application. His identity as such has been established to the satisfaction of the lender by (State method, e. g., personal acquaintance of stated PeriodTcomparing s i g n ^ 10—12448-1 PAGE 4 30. All the information reflected by the application is true to the best of lender's information and belief. 31. The undersigned borrower (veteran) and lender (or seller) hereby apply f o r guaranty by the United States of America of a loan in accordance with this application, which is also an application to the lender by the borrower f o r said loan; said guaranty to be pursuant to the Servicemen's Readjustment Act of 1944 (58 Stat. 284), which act and the regulations issued pursuant thereto and in effect on the date of the loan guaranty certificate issued pursuant to this application, shall be a part of the contract between the United States of America, the borrower, the lender, and each of them. 32. Borrower and lender understand and agree that, if issued, the guaranty will be issued in reliance upon the information contained in this application. 33. The lender, or authorized employee, or agent of the lender, has read this entire application as completed, has seen and spoken with applicant, believes he is the veteran, and he appears to be competent to understand the nature of the transaction and enter into it. (If a corporation) Attest Secretary. Date Lender. By (Authorized signature) CORPORATE SEAL (Title) Date (Borrower (s) ) Signatures of lender and borrower must correspond in every detail with the name as typed at top of page 1, notwithstanding name of borrower so shown may differ from name in question 14. A married woman will include her surname before marriage, but sign husband's surname as her present surname. 34. Recommendation of Designated Agency We, the certifying agency, after consideration of all the facts, believe that the loans for which guaranties are sought are f o r the purposes stated in the application; that the property purchased or to be purchased with the proceeds of the loan will be used in and will be useful and reasonably necessary to the efficient conduct of the bona fide farming operations of the applicant, whose ability and experience and proposed operations are such that there is reasonable likelihood of his success; and that the purchase price of the property is not in excess of the reasonable normal value thereof. • This application and the attached papers are forwarded to the Administrator of Veterans' Affairs by the undersigned designated Federal agency, which hereby recommends that said Administrator { a | f p r o v e ° V e } a p p l i c a t i o n f o r a guaranty. ( C h a i r m a n o f committee) (Member) (Member) (Member) (Designated a g e n c y ) By (Authorized signature) Date INSTRUCTIONS—Continued III. Reference is made to the following sections of the regulations for guidance in connection with applications for (a) purchase of a farm (4124-4132); (b) new construction (4132); (c) repairs, alterations, improvements, delinquent indebtedness, taxes, special assessments (4104—4107); (d) purchase of personal property (4104); (e) two or more borrowers (4122). IV. If the loan is f o r any of the purposes in paragraph III ( c ) above (section 501 (b) of the act) and is to be secured by a junior lien because of existing prior liens, attach a signed memorandum stating with respect to such prior liens; (a) date, original amount, and unpaid balance of loan; (b) amounts and frequency of payments required and permitted; ( c ) rate of interest; (d) whether any payments are past due and the amounts thereof; (e) whether any taxes, special assessments, or insurance premiums are due but unpaid and the amounts; ( / ) date of most recent appraisal of the property and value therein stated; (fir) date and nature of default, if any. V. The veteran should have read Form 1824, "Explanation of Farm Loan Guaranty," before signing application. VI. Permissible loan charges, see regulations, section 4116. VII. If the loan is not to be secured by a "mortgage," see regulations, section 4124, paragraph 5. VIII. A notary's certificate is not required on the application. Nevertheless, it must be remembered that Federal statutes provide severe penalties, including forfeitures, fines, and imprisonment for fraud on the part of the applicant and also as to any person who shall "knowingly make or cause to be made, or conspire, combine, aid or assist in, agree to, arrange for, or in any wise procure the making or presentation of a false or fraudulent affidavit, declaration, certificate, statement, voucher, or paper, or writing purporting to be such," concerning any application f o r the guaranty of a loan by the Administrator (38 U. S. Code 697, 715, 450, 451, 454a, 556a; 18 U. S. Code 80). U. 8. GOVERNMENT PRINTINO OFFICE 16-42448-1 Dec. '44—750M VJ7TERANS ADMINISTRATION Finance Form 1824 VETERANS ADMINISTRATION EXPLANATION OF FARM LOAN GUARANTY (Under the Servicemen's Readjustment Act of 1944) (Veteran should read this explanation before signing the application form) 1. The Veterans Administration has no authority to make a loan. The loan is made by banks and other lenders at not over 4 percent interest. There are no "designated lenders." All lenders are "eligible." When made in accordance with the regulations, the loan may be partially guaranteed by the Administrator. The guaranty is available on purchase money notes also. For convenience these transactions are called loans in this explanation. Payments may extend over a maximum period of 20 years, but not longer than the useful life of property (real or personal) which is security f o r the loan. 2. If the veteran fails to make payments as they become due according to his contract with the lender the lien may be foreclosed and the property sold. If the Veterans Administration is required to pay any or all of the amount guaranteed, the veteran will become obligated f o r the repayment to the Government of the amount paid on account of the guaranty. 3. Interest f o r the first year on the amount guaranteed will be paid by the Government. The veteran does not repay this interest. 4. Any lender has the right to refuse to make a loan, with or without stating a reason. The fact that a particular lender refuses to lend the money does not mean that another lender may not be willing to lend it. The Veterans Administration will determine whether to guarantee the loan on the basis of the facts presented, irrespective of who may be the proposed lender (or seller). 5. Neither the act nor the regulations limit the amount of the loan, but the maximum amount of guaranty available to an eligible veteran is $2,000. Once this amount has been guaranteed by the Administrator it cannot be made available on another loan, f o r any purpose. 6. Under certain conditions the Administrator may guarantee a loan secured by a "second mortgage," f o r the purpose of acquiring a farm, if the "first mortgage" is to secure a loan made, guaranteed, or insured by a "Federal agency." Most lenders can furnish details about such a loan. 7. The Veterans Administration will not undertake to advise a veteran whether to purchase a specific property. This is a decision the veteran must make on his own responsiblity after obtaining such information as he considers proper. Information of a general character will be supplied on request of the veteran. In any important deal it usually is wise to obtain some expert advice on the particular facts, and applicable law, before signing any agreement. Advice should be obtained from a person qualified on the particular subject and who does not represent any other party to the deal. Care should be taken to see that the acreage actually is the amount purchased. The county clerk or judge can supply the name of the official surveyor or another surveyor. Your county agent or State commissioner of agriculture, or similar official, can supply certain other information, or the names and addresses o f others who can. 8. Head the entire application Form 1822 before answering the questions in it. This will suggest several matters which, while not precisely covered in the application, require careful consideration in the purchase of a farm. For example: ( a ) productivity and soil type, sufficiency of timber to furnish wood f o r fuel and lumber f o r repairs on the farm, erosion hazards, size, and is the f a r m adaptable f o r the type o f farming contemplated; ( b ) probable cost of upkeep of buildings, fencing, erosion control, taxes, water supply, and other costs; (c) nearness of suitable schools, churches, recreation centers, shopping facilities, markets f o r produce, produce-buying routes, etc., railroad station's, and type of roads; (d) suitability of living conditions to size of family, and ages of children. 9. The purchase of a farm is an important transaction. To be successful, all factors must be carefully considered. A copy of the regulations, which are a part of the contract, is available at any office of the Veterans Administration and probably at any bank or other lending institution. 10. If loan is not closed the proposed lender, or when paid the holder of the note will mark Finance Form 1821, "Loan Guaranty Certificate," "Canceled," sign thereunder, and return to Veterans Administration. IS—42454-1 FRANK T. HINES, Administrator. INSTRUCTIONS T O LENDERS I M P O R T A N T — T h e instructions below should be read by the lender before securing appraisal or presenting application No. 1.—When "Certification of Eligibility" Form 1800 designates as appraiser the Chief Reviewing Appraiser of the Farm Credit Administration, the lender will, when requesting the service forward the amount of the fee indicated on the Form 1800. The remittance will be payable to the Federal Land Bank and accompany the request f o r appraisal report when mailed to Chief Reviewing Appraiser, care of Federal Land Bank in the district in which the property to be appraised is located. The lender shall furnish at the time of his request f o r appraisal, description of the real property, distance and direction to nearest town, name of farm, if any, number of highway or name of road on which located, and any other information that might be helpful to the appraiser in locating the property to be appraised. No. 2.—When "Certification o f Eligibility" Form 1800 designates as appraiser the Veterans agricultural loan committee f o r real or personal property, the lender shall notify the committee whose address is in care of the farm supervisor o f the F a r m Security Administration of the area in which f a r m operations are to be conducted. No. 3.—When loan application and related papers are completed the lender shall forward all papers to the Veterans agriculture loan committee as indicated in the foregoing paragraph. No. U.—Amendments required by law. to Veterans Administration regulations as they occur will be published in the Federal Register, as ie—42454-1 u. s. g o v e r n m e n t p r i n t i n g o f f i c e 0 FEDERAL RESERVE OF NEW BANK YORK January 12,1945. To all Banking Institutions in the Second Federal Reserve District: W e are pleased to announce that Bank of Hamburgh, Hamburg, New York, has become a member of the Federal Reserve System effective January 12,1945. ATJ.AX SPROUL, President. THE PROCLAIMED LIST OF CERTAIN BLOCKED NATIONALS CUMULATIVE SUPPLEMENT No. 5 JANUARY 1 2 , 1 9 4 5 Containing Additions, Amendments, and Deletions Made Since Revision VIII of September 13, 1944 UNITED STATES GOVERNMENT PRINTING W A S H I N G T O N : 1945 OFFICE DEPARTMENT OF STATE PUBLICATION 2242 CONTENTS Page ADMINISTRATIVE ORDER . . GENERAL NOTES 1 2 PART I Argentina Bolivia Brazil Chile Colombia Costa Rica Cuba Dominican Republic . . . Ecuador El Salvador Haiti Honduras Mexico Nicaragua Panama Paraguay Peru Uruguay Venezuela 4 7 9 14 23 26 26 26 26 31 32 32 32 41 41 41 42 43 45 PART 11 Andorra Iran Page PART I I — C o n t i n u e d Iraq Ireland (Sire) Liechtenstein Morocco Spanish Morocco . . . . Tangier International Zone Portugal and Possessions . Portugal Angola Azores Cape Verde Islands . . Madeira Mozambique Portuguese Guinea . . . Portuguese India . . . Spain and Possessions . . Spain Canary Islands . . . . Fernando Poand Spanish Guinea (Rio Muni). . Sweden 46 46 46 46 47 47 47 47 48 48 51 52 52 52 52 52 52 53 53 60 61 61 64 Turkey 69 THE PROCLAIMED LIST OF CERTAIN BLOCKED NATIONALS Cumulative Supplement No. 5, January 12, 1945 to Revision VIII of September 13, 1944 ADMINISTRATIVE ORDER By virtue of the authority vested in the Secretary of State, acting in conjunction with the Secretary of the Treasury, the Attorney General, the Secretary of Commerce, the Administrator of Foreign Economic Administration, and the Coordinator of Inter-American Affairs, by Proclamation 2497 of the President of July 17, 1941 (6 F. R. 3555), Cumulative Supplement 5 containing certain additions to, amendments to, and deletions from The Proclaimed List of Certain Blocked Nationals, Revision VIII of September 13, 1944 (9 F. R. 11389), is hereby promulgated.! By direction of the President: JOSEPH C . GEEW Acting Secretary of State HERBERT E. GASTON Acting Secretary of the Treasury FRANCIS BIDDLB Attorney General JESSE H . JONES Secretary of Commerce LEO T. CROWLEY Administrator, Foreign Economic Administration NELSON A . ROCKEFELLER Coordinator of Inter-Aiaxerican Affairs January 12, 1945 1 Filed with the Division of the Federal Register In the National Archives. Bequests (or printeu copies should be addressed to the Federal Eeserve Banks or the Department of State. 1 GENERAL NOTES (1) The Proclaimed List is divided into two parts: part I relates to listings in the American republics; part II relates to listings outside the American republics. (2) Revision VIII of the Proclaimed List, of which this is a supplement, supersedes all previous lists published prior to September 13, 1944. The present series of supplements is cumulative, and each succeeding supplement supersedes all previous supplements to the List. Accordingly, the current Cumulative Supplement and Revision VIII together constitute the effective List. (3) In part I titles are listed in their letter-address form, word for word as written in that form, with the following exceptions: If the title includes a full personal name, that is, a given name or initial and surname, the title is listed under the surname. The listing is made under the next word of the title when the initial word or phrase, or abbreviation thereof, is one of the following Spanish forms or similar equivalent forms in any other language: Compania; Cia.; Comp. Compafifa An6nima; C.A.; Comp. An<5n. Sociedad; Soc. Sociedad Antoima; S.A.; Soc. An6n. (4) Personal-name prefixes such as de, la, von, etc., are considered as part of the surname and are the basis for listing. (5) Spanish personal names containing a compound surname are listed, with rare exceptions, under the first part of the surname. For example, the name Jos6 Fulano Sutano or Jos6 Fulano y Sutano would be listed: Fulano Sutano, Jos6 or Fulano y Sutano, Josfi Users of the list should, as a precaution, check all surnames that are part of a particular name. (6) Addresses appearing after names on the List are not intended to exclude other addresses of the same firms or individuals, A listed name refers to all branches of the business in the country. (7) For the convenience of users, symbols are placed after each name on the List to indicate, by reference to the table below, the dates of the supplements or revisions in which the name first appeared, or was amended or deleted. It has not been found practicable, however, to indicate here the dates of listings made between July 17, 1941, the date of the original list, and Revision I, dated February 7, 1942. Accordingly, names appearing prior to Revision I and retained in that revision are followed only by the symbol " I " . Roman numerals refer 2 GENERAL NOTES 3 to revisions, arabic numerals to supplements. For example, a name followed by the symbols II—1, III, V I I I - 1 signifies that the listing first appeared in Revision II, Supplement 1; was amended in Revision I I I ; and was amended or deleted in Revision VIII, Supplement 1. Since in the Cumulative Supplements deletions as well as amendments are carried in each succeeding supplement, the last of two or more symbols may reflect either an amendment or a deletion, depending on the action heading under which the listing currently appears. I I-l 1-2 1-3 1-4 II II-l II-2 II—3 II-4 II—5 III III-l III-2 III—3 III-4 IV 2-7-42 2-28-42 3-27-42 4-11-42 5-1-42 5-12-42 5-22-42 6-2-42 6-19-42 7-17-42 7-31-42 8-10-42 8-28-42 9-18-42 10-10-42 10-30-42 11-12-42 IV-1 IV-2 IV-3 IV-4 IV-5 IV-6 V V-l V-2 V-3 V-4 V-5 V-6 VI VI-1 VI-2 VI-3 11-20-42 12-18-42 1-16-43 2-12-43 3-13-43 4-9-43 4-23-43 5-7-43 6-4-43 7-2-43 7-30-43 8-27-43 9-24-43 10-7-43 10-22-43 11-19-43 12-17-43 VI-4 1-14-44 2-11-44 VI-5 3-10-44 VI-6 VII 3-23-44 VII-1 4-7-44 VII-2 5-5-44 VII-3 6-2-44 VII-4 6-30-44 7-28-44 VII-5 8-25-44 VII-6 VIII 9-13-44 VITI-1 9-22-44 VII1-2 10-20-44 V I I I - 3 11-17-44 V I I I - 4 12-15-44 VIII-5 1-12-45 PART I ARGENTINA Additions and Amendments Aguerrondo y Cia.—Sarmiento 385, Buenos Aires. VIII-2. Ajmar, Alvaro.—Ayacucho 185, Buenos Aires. V I I I - 2 . Alt, Jules.—Avenida Fontana 208, Trelew; and Colonia General San Martin, Gobernaci6n de Chubut. VIII-1. Argentina Monte Carlo S.A., Cia.—Corrientes 569, Buenos Aires. VIII-1. Arrocera Mazaruca Agrlcola y Ganadera Industrial S.A.—Corrientes 569, Buenos Aires. VIII-1. " A t a " Soc. de Resp. Ltda.—Carlos Tejedor 1642 esquina Santa Lanus, F.C.S. VIII-1. Bauekhage y Cia.—Rioja 557, Buenos Aires; and Almirante Brown 38, Villa Ballester, F.C.C.A., Province of Buenos Aires. I; VIII-2. Biasotti, Alberto J. A.—Rawson 315, Buenos Aires. VIII-1. Bros, Rodolfo.—Rawson 163-67, Bernal, F.C.S. VIII-4. "Casa Argentino-Belga".—Casilla de Correo 179, Buenos Aires. VIII-3. Casa Thies.—Avenida Fontana 208, Trelew; and Colonia General San Martin, Goberriaci6n de Chubut. IV-6; VIII-1. "Casprayco'-California Spray Company Argentine Ltd.—Balcarce 355, Buenos Aires. VIII-5. Chemical Building Products.—Avenida Presidente Roque Sdenz Pena 720, Buenos Aires. VIII-3. " C O F E R A " Companla Ferretera Argentina.—25 de Mayo 67, Casilla de Correo 644, y Paseo Col6n 445, Buenos Aires. V I I - 5 ; VIII-4. Curtiembre Gamuceria Argentina S. de R.L.—Fonrouge 2132, Buenos Aires. VIII-3. Dorge, Heinrich (Dr.).—Conde 1995, Buenos Aires. VIII-3. Editorial "Sophos".—Rivadavia 755, Buenos Aires. VIII-5. Enss, Juan E.—Monasterio 576, Vicente Lopez; and Chacabuco 390, Buenos Aires. VIII-1. Estancias del Litoral " C a m b a " S.A. Agricola Ganadera.—Avenida Presidente R. S. Pena 636, Buenos Aires. V I I I - 1 ; VIII-4. F.A.C.Y.P.A. Soc. de Resp. L t d a — Sarandf 647, Buenos Aires. V I I I - 3 ; VIII-5. Address amended from Chiclana 3436-44, Buenos Aires. Ferretera Argentina, Cia.—25 de Mayo 67 y Casilla de Correo 644, Buenos Aires. VIII-3. Ferretera Argentina " C O F E R A " , Cia—25 de Mayo 67, Casilla de Correo 644, y Paseo Col6n 445, Buenos Aires. V I I - 5 ; VIII-4. Fleischer, Erich.—Avenida Presidente Roque Sdenz Pena 720, Buenos Aires. V I - 1 ; VIII-3. G6mez Jorba, Casimiro Pedro A.—Juncal 1938 y San Martin 195, Buenos Aires. V I I - 4 ; VIII-3. Grimm, Oscar.—Herrera 2272, Buenos Aires. VIII-5. Hansen, Gustavo Luis.—Garay 2344 y MillSn 2010, Buenos Aires. V - 6 ; VIII-4. Heinze, Carlos.—O'Higgins 2008, Buenos Aires. I I I - 3 ; VIII-4. 4 PART I 5 ARGENTINA—Continued Additions and Amendments—continued "Herrero-Casa Argentino-Belga".—Casilla de Correo 179, Buenos Aires VIII-3. I.M.A., Industria Metalurgica Argentina. 2 —Alsina 2681, Buenos Aires. V - l ; V - 2 ; VIII-5. Amended to add footnote. " I M P A " Industria Metaidrgica y Pl&stica Argentina S.A.—Querandies 4288 esq. Pringles, Buenos Aires. V I I I - 2 . "Indela" S.A. Fabril Electrotficnica.—Chacabuco 390, Buenos Aires. VIII-1. Isolit S. de R.L., Cfa.—Avenida Presidente Roque S&enz Pena 720, Buenos Aires. V I - 1 ; VIII-3. Koscher, Kurt.—Avenida Presidente Roque Sdenz Pefia 720, Buenos Aires. V I - 1 ; VIII-3. La Facultad Optica.—C6rdoba 2071, Buenos Aires. VIII-3. La Quimica Bayer S. A.—Coronel Diaz 2110, Buenos Aires, and all branches in Argentina. I; VIII-3. " L A R " , S.A.—Victoria 454, Buenos Aires, and all branches in Argentina. VIII-1. Maderas Argentinas S.A. Comercial, Financiera e Industrial.—25 de Mayo 145, Buenos Aires. VIII-5. Mandl, Federico.—Buenos Aires. VIII-1. Martens, Thilo.—San Martin 154, Buenos Aires. I; VIII-3. Martens y Cia. S. de R.L.—San Martin 154, Buenos Aires. I; V I I I - 3 . Matthiess, Ricardo Albino.—Cervino 3467, Buenos Aires. VIII-3. Moehring, Georg.—25 de Mayo 252, Buenos Aires. VIII-1. Nakamoto, Isamu.—Colonia Alvear Oeste, Province of Mendoza. VIII-3. O.D.A. (Oficina Distribuidora Americana de Productos Quimicos).—Viamonte 2258, Buenos Aires. VIII-3. Paksa, Alberto— Rioja 477 y Viamonte 2258, Buenos Aires. V I - 3 ; VIII-3. Paldaoff, Julio C&ar.—Balcarce 355, Buenos Aires. VIII-5. Preusse, Armando.—Cabildo 1714, Buenos Aires. VIII-1. Productos AL-DA-LIN.—Florida 377, Buenos Aires. VIII-1. "Productos Farmaceuticos Knoll".—Alsina 2196, Buenos Aires. VIII-5. "Propatent" Soc. de Resp. Ltda.—25 de Mayo 145, Buenos Aires. VIII-2. Rabinovich, A. G.—Rioja 477 y Viamonte 2258, Buenos Aires. V I - 3 ; VI-4; VIII-3. S. I. A. D. A.—Garay 2344, Buenos Aires. V - 6 ; VIII-4. "S.I.P.A.G.", Sociedad Industrial para Articulos Generates S.A. Industrial y Financiera.—Corrientes 330, Buenos Aires; and San Lorenzo, Province of Santa F<5. VIII-5. Safina, Sociedad An6nima Financiera e Industrial Argentina. 1 —Corrientes 569, Buenos Aires. V I I I - 1 ; VIII-3. Sava Soc. de Resp. Ltda.—Avenida Alcorta 1673-79 y Cordoba 1118, Buenos Aires. V I I I - 2 . Schorr, Eugenio Walter Oscar.—Moreno 431, Buenos Aires. VIII-1. Schubert, Fernando.—25 de Mayo 67 y Casilla de Correo 644, Buenos Aires; and San Luis 1129, San Andr&s, F.C.C.A. V I I - 5 ; VIII-4. i Not to bo confused with Sociedad An6nima de Financlaeion y Creditos (Saflna), Herrera 527. Buenos Aires. a Not to be confused with I . M . A . , Industria Metalfirgica y Anexos, Olaz&bal 5662, Buenos Aires; and I . M . A . , Industria Mtnerales Argentinos S.E.L., Escalada 1535, Buenos Aires. 6 PART I ARGENTINA—Continued Additions and Amendments—continued Shore, Jos&—Rivadavia 70-74, C<5rdoba. VTII-5. Sotego, Sociedad Textil de Responsabilidad.—San Martin 424 y Potosf 4178, Buenos Aires. Y I I I - 2 . Stamp-Tex.—Pedro Goyena 655, Buenos Aires. VIII-2. Staudt, Ricardo W.—Buenos Aires. VIII-4. Sucesi6n Guillermo Welbers.—San Martin 683 y Alsina 1154, Buenos Aires. VT-1; V I - 5 ; VIII-1. Talleres Grdficos "Jorge Washington".—Bolivar 1268, Buenos Aires. VIII-5. Thies Kubaseck, Guillermo.—Avenida Fontana 208, Trelew; and Colonia General San Martin, Gobernaci6n de Chubut. VIII-1. Thorhauer y Cia.—Rocamora 4333, Buenos Aires. I; VIII-4. Toyoshima, Tahor. —Colonia Alvear Oeste, Province of Mendoza. VIII-3. "Unitas" Corporaci6n Mixta de Industria y Comercio.—Sarmiento 385, Buenos Aires. VIII-2. Valero Alcaraz, Carlos.—Rivadavia 1653, Buenos Aires. VIII-2. Van Dalfsen, Guillermo.—San Nicolas 1369 y Chacabuco 390, Buenos Aires. VIII-1. Vasallo, Luis.—Ciudad de La Paz 2665, Buenos Aires. V I I I - 4 . Waldorp, Carlos Pablo (Dr.).—Humberto I 2031 y Juncal 1641, Buenos Aires. VIII-3. Walter & Petersen.—Olazabal 5656, Buenos Aires. VIII-1. Walz, R o d o l f o — Peru 375, Buenos Aires. VIII-4. Wust y Cla.—San Nicolas 1369 y Chacabuco 390, Buenos Aires. VIII-1. Yokobori, Ryuichi.—Larrea 1287 y San Martin 379, Buenos Aires. Ill—4; VIII-5. Amended from Nambei, Yokobori.—Larrea 1287, Buenos Aires, Yokoo, Hitoshi.—Uspallata 981, Buenos Aires. VIII-2. Deletions Abate, Ricardo.—Avenida Presidente Roque Sdenz Pefia (Diagonal Norte) 501, Buenos Aires. 1 - 2 ; I V ; VIII-5. Adler, Henri.—Avenida Presidente Roque Sdenz Pena (Diagonal Norte) 943, Buenos Aires. I V - 5 ; VIII-3. "Andina", Molinos Industriales Argentinos.—Jos6 A. Cortajarena 3152/54 y Famatina 3039, Buenos Aires. V I - 1; V I I - 4 ; VIII-2. Baron, Miguel.—Victoria 571, Buenos Aires. V I - 1 ; VIII-1. Bocklenberg, Paul.—Pampa 2975, Buenos Aires. I ; V I I I - 4 . Bravi, Eduardo.—Bartolome Mitre 1282, Buenos Aires. V I - 3 ; VIII-2. Bravi y C f a — Bartolomg Mitre 1282, Buenos Aires. V I - 3 ; VIII-2. Camps, Nicolds.—Reconquista 46, Buenos Aires. I I I - 4 ; VIII-3. Diaz, Jos£. —Chile 1924-26, Buenos Aires. I V - 2 ; VIII-3. Droguerfa Diaz.—Chile 1924-26, Buenos Aires. I V - 2 ; VIII-3. Editorial Tor S. de R.L.— Rio de Janeiro 754-760, Buenos Aires, and all branches in Argentina. I V - 5 ; V I I - 1 ; VIII-3. Exeny, Bahill.—La Quiaca. V I - 4 ; VIII-4. Fromm, Carlos.—Avenida Roque Sdenz Pena (Diagonal Norte) 616, Buenos Aires. V I I I - 5 . Fumagalli, Hugo.—San Martin 2042, Santo Tom<5, Santa F6. I V - 6 ; VIII-5. PART I 7 ARGENTINA—Continued Deletions—continued General de Productos Quimicos y Farmaceuticos Craveri S.A., Cia.—Catamarca 37-65, Buenos Aires. V I I - 1 ; VIII-4. Gottfried, Mey y Neira.—Bartolom6 Mitre 341, Buenos Aires. I V - 6 ; V I I - 5 ; VIII-2. Gran Almac<5n "El Sol".—La Quiaca. V I - 4 ; V I I I - 4 . Griffanti, Carlos A.—Francisco Acufia de Figueroa 1551, Buenos Aires. V I I - 2 ; VIII-4. Hammel, Pflaum y Cia.—Jos6 A. Cortajarena 3152/54 y Famatina 3039, Buenos Aires. V I - 1 ; VIII-2. Instituto de Terapeutica "Purissimus".—Juan Fco. Segui 4635-47, Buenos Aires. I V - 3 ; V-2; VIII-4. Koenen, Hendrikus J. A. —Viamonte 1596, Buenos Aires. V I I - 2 ; VIII-3. Krommes, Hertha Niebuhr de.—Malabia 1754, Buenos Aires. Ill—1; VIII-4. Krommes, Roberto.—Malabia 1754, Buenos Aires. Ill—1; VIII-4. "La Flexible" S. de R.L.—Malabia 1754, Buenos Aires. I I I - l ; VIII-4. Laboratorios "Alecor".—Francisco Acufia de Figueroa 1551, Buenos Aires. V I I - 2 ; VIII-4. Laboratorios "Quimapur".—Francisco Acufia de Figueroa 1551, Buenos Aires. V I I - 2 ; VIII-4. Lewis, Bahege Toney.—La Quiaca. V I - 4 ; VIII-4. Libfrand, Salomon.—Sapaleri 1357, Buenos Aires. V - 5 ; VIII-4. "Los Cruzados" S. de R.L.—Alvarado 2253, Buenos Aires. I V - 5 ; VIII-4. "Obimare" Soc. de Resp. Ltda.—25 de Mayo 11, Buenos Aires. I; V I I I - 3 . Organizaci6n Cientifica "Selectus".—Bulnes 2022 y Juan Fco. Segui 4635-47, Buenos Aires. I V - 3 ; VIII-4. Poletti y Rossi.— Alberti 1070, Buenos Aires. V I - 2 ; VIII-1. "Purissimus", Instituto de Terapeutica.—Bulnes 2057-69 y Juan Fco. Segui 4635-47, Buenos Aires. I V - 5 ; V - 2 ; VIII-4. Quiroz Araos, Victor.—Florida 336, Buenos Aires. V I - 2 ; VIII-4. Rodriguez, Antonio.—Alsina 736, Buenos Aires. I V - 6 ; VIII-5. S.I.D.E.R., Sociedad Industrial de Equipos Radiotelef6nicos.—Alberti 1070, Buenos Aires. V I - 2 ; VIII-1. "Selectus", Organizacion Cientifica.—Bulnes 2022 y Fco. Segui 4635-47, Buenos Aires. I V - 5 ; VIII-4. Soquel, Heriberto C — 2 5 de Mayo 347, Buenos Aires. I I I - 3 ; VIII-5. Souto y Rodriguez.—Alsina 736, Buenos Aires. I V - 6 ; VIII-5. Torrendell, Juan Carlos.—Rio de Janeiro 754-760 y Ramos Mejia 771-79, Buenos Aires. I V - 5 ; V I - 5 ; VIII-3. Vilallonga, Fermin.—Soils 206 y Cangallo 362, Buenos Aires. II—5; V I I I - 2 . BOLIVIA Additions and Amendments Borgstede, H. C.—Oruro. VIII-2. Chajtur, Atilo.—Santa Cruz. VIII-2. Findel, Enrique.—Oruro. VIII-3. 625706°—45 2 8 PART I BOLIVIA—Continued Additions and Amendments—continued Henicke, Lucio.—Sucre. VIII-2. Kayaki, I.—Casilla 81, Santa Cruz de la Sierra. I ; V I I I - 5 . Amended to add address. Monasterio, Jos6.—Santa Cruz de la Sierra. V I I - 6 ; V I I I - 2 . Stzulwark, German.—Santa Cruz. VIII-2. Suematsu, Adolfo.—Nataniel Aguirre no. 54, Cochabamba. V I I I - 4 . Sunahashi, Salvador T.—Cochabamba. V I I I - 5 . Von Bergen, J — L a Paz. VIII-5. Deletions Alvino, R6mulo G.—Villazdn. V - 4 ; V I I I - 4 . Bazar Matsuya.—Mercado 1-7, La Paz. I; V I I I - 5 . Bazar, Tokyo.—Yanacocha 362 (Casilla 436), La Paz. I ; I I I ; V I I I - 4 . Bedregal V., Daniel L.—La Paz. I; I I I ; VIII; VIII-3. Casa Showa.—Comercio 468 (Casilla 844), La Paz. I ; I I I ; VIII-4. Cham6n, Abraham.—Villa Montes. V - 6 ; VIII-4. Cham6n y Hermano, " L a Chaquefia" de L.—Villa Montes. V - 6 ; V I I I - 4 . Dabdoub, Abraham.—Casilla 38, Santa Cruz de la Sierra. I V - 3 ; V - 2 ; V - 3 ; VIII-5. De Ugarte Veisaga, Alejandro.—Cochabamba. I V - 4 ; VIII-4. De Ugarte Veisaga, Luis.—Cochabamba. I V - 4 ; V I I I - 4 . Drogueria Albrecht—Col6n 402 (Casilla 432), La Paz. I ; I I I ; V I I I - 4 . Drogueria Hamburgo.—Socabaya 126 (Casilla 262), La Paz. I ; V I I I - 4 . El Sol Naciente.—Esteban Arce 82-86, Cochabamba. I V - 3 ; V I I I ; VIII-4. Empresa Minera Hucamarini.—Sorata. V I - 3 ; VIII-1. Exeny, Bahill.—Villazdn. V I - 4 ; V I I I - 4 . Hinojosa, Jorge.—La Paz. I I I - 3 ; VIII-4. " L a Chaquefia" de L. Cham6n-y Hermano.—Villa Montes. V - 6 ; V I I I - 4 . Lackner, Fritz.—Sorata. V I - 3 ; VIII-1. Lewis, Bahege Toney.—Villaz6n. V I - 4 ; VIII-4. Matsuya.—Mercado 1-7, La Paz; and Cochabamba. I ; VIII-5. Mueller, Hans.—Casilla 689, La Paz. I V - 6 ; V I I ; VIII-2. Ortiz, Isaac.—Casilla 354, La Paz. I I I - 3 ; VIII-4. Pefialosa, Celestino.—La Paz. II—1; VIII-5. Plattner Sucrs., A. & M.—Col6n 402 (Casilla 432), La Paz. I; I I I ; V I I I - 4 . Rivas Guzm&n, Blanca T. de.—Casilla 354, La Paz. I; I I I ; VIII-2. Sunahashi & Co.—Jordan 34, Cochabamba. I ; I I I ; VIII-5. Torres Ballivi&n, B.—Yanacocha 354, La Paz. I ; 1 - 4 ; I I I ; VIII-2. Von Bergen, "La Papelera" de J.—Plaza Murillo esquina Paris (Casilla 614), La Paz. 1 - 4 ; I I I ; I V ; VIII-5. Von Bergen y Cfa., J.—La Plaza Murillo esquina Paris (Casilla 629), La Paz I; III; VIII-5. Weber, Carlos—Casilla 689, La Paz. I V - 6 ; VIII-5. Z&rate, Mario.—Potosi. I V - 5 ; VIII-5. PART I 9 BRAZIL Additions and Amendments Agos Roechling-Buderus do Brasil, Ltda.—Rua D. Francisco Sousa 87, Sao Paulo; Rua Frei Caneca 137, Rio de Janeiro; and all branches in Brazil. I; VIII-2. Agenda Will: Deutsche Buchhandlung.—Rua Sao Jos(5 11, piso 2, Rio de Janeiro. I; VIII-5. Address amended from Rua da Alfandega 69, Rio de Janeiro. Berson, Sven Harald Joseph.—Travessa Santa Leoc&dia 19, Rio de Janeiro. I V - 4 ; VIII-1. Biermann, Alfredo.—Rua B6a Vista 116, Sao Paulo. VIII-1. Biermann, Otto Claus—Rua B6a Vista 116, Sao Paulo. VIII-1. Brandes, Helmut.—Rua Barao de Jaguaribe 322, Rio de Janeiro. VIII-3. Brasileira de Material Sanitario " C O B R A S A N " S. A., Cia.—Avenida Presidente Vargas 1051, Rio de Janeiro, and all branches in Brazil. V I I - 6 ; VIII-1. Buchmuller, Jorge Reis.—Rua Sao Bento 10 y Rua Flack 148, Rio de Janeiro. VIII-3. Buckup, Hans Peter Edward.—Sao Paulo. VIII-5. Casa A. B. C.—Rua Frei Gaspar 44 y Rua Joao Pess6a 158, Santos. VIII-1. Casa Chave de Ouro.—Rua General C&mara 423, Santos. VIII-1. " C I M A " Companhia Industrial Mercantil e Agricola.—Rua Lfbero Badar6 137, Sao Paulo; and Indiana, Municipality of Regente Fei.j6, Sao Paulo. I I - 4 ; VIII-4. " C O B R A S A N " , Brasileira de Material Sanitario S. A., Cia.—Avenida Presidente Vargas 1051, Rio de Janeiro, and all branches in Brazil. VIII-1. Colombelli, Ernesto.—Rua Bella Cintra 1631 y Rua Senador Paulo Egydio 15, SSo Paulo. I; VIII-5. Address amended from Rua Bella Cintra 1631, Sao Paulo. Denkwitz, Paul.—Rio de Janeiro. VIII-3. Dima S.A., Distribuidora de M&quinas Brasileiras.—Rua Senador Feij6 176 and 197; Avenida Rangel Pestana 1990; y Rua Alegria 309-A. Sao Paulo. III—2; VIII-5. Address amended from Sao Paulo. Eckert, Karl.—Avenida Nilo Peganha 155, Rio de Janeiro. I; VIII-4. Editorial Labor do Brasil S.A.—Rua Buenos Aires-104, Rio de Janeiro; and Rua Marconi 87, Sao Paulo, and all branches in Brazil. I V - 4 ; VIII-5. Address amended from Rua Buenos Aires 104, Rio de Janeiro; and Rua Barao Paranapiacaba 92, Sao Paulo. Electro Transformadores Ltda. "Ufar".—Rua do Rosario 135, Rio de Janeiro. I V - 4 ; VIII-2. Engelbrecht e Cia.—Rua Barao do Bananal 138, Sao Paulo. I - l ; VIII-3. F&brica de Tintas Blumenau Ltda.—Rua 15 de Novembro 808, Blumenau; Santa Catarina. I V - 2 ; V - 5 ; VIII-5. Amended from Hering Fabrica de Tintas, Paulo.—Blumenau. Farmdcia Tiet6.—Pereira Barreto, SSo Paulo. VIII-2. Frey, Max.—Rua Benjamin Constant 143 y Rua Espanha 281, Sao Paulo. V - 6 ; VIII-5. Address amended from Sao Paulo. Gasper, Elsa Marie.—Rua Visconde de Pirajd 452, Rio de Janeiro. VIII-1. 10 PART I BRAZIL—Continued Additions and Amendments—continued Gasper, Gregory Hendrik Adrianus.—Rua Visconde de PirajA 452, Rio de Janeiro. VIII-1. Graphicor Concentra Hartmann Irmaos S.A.—Rua Bonfim 250, Rio de Janeiro. I; VIII-4. Hatanaka, Senjiro.—Bastos, Sfio Paulo. I ; VIII-2, Heineken, Max Ruetger.—Rua Conego Eugtaio Leite 175, SSo Paulo IV-4; VIII-3. Hofmann, Theodor.—Rua Tito 204, Sao Paulo; and Avenida Adolfo Pinheiro 2101, Santo Amaro, Sao Paulo. V I I I - 4 ; V I I I - 5 . Address amended from Sao Paulo. Igel, Ernesto.—Avenida Grapa Aranha 57 y Avenida Visconde Albuquerque 500, Rio de Janeiro. V I I - 6 ; VIII-1. Industria Quimica Sul Rio Grandense —Praga Sao Pedro 146, Porto Alegre. Rio Grande do Sul. I V - 2 ; VIII-5. Amended to add footnote. Industrial e Comercial Schmuziger Ltda., Soc.—Rua Benjamin Constant 143, Sao Paulo. I ; V I I I - 5 . Address amended from SSo Paulo and Rio de Janeiro. Industrial Mercantil e Agricola " C I M A " , Cia.—Rua Ltbero Badar<5 137, Sao Paulo; and Indiana, Municipality of Regente Feij6, Sao Paulo. I; VIII-4. Intermil Ltda., Sociedad de Representagoes.—Rua Washington Luiz 378 y Avenida Sao Joao 755, Sao Paulo, and all branches in Brazil. V I I I - 4 . Ioneda, Hideschi.—Sta. Cruz do Rio Pardo, Sfio Paulo. V I I I - 3 . Itinose, Kansuke.—Aragatuba, S3o Paulo. II—2; V I I I - 2 . Iwakura, Zinozuki.—Ourinhos, SSo Paulo. Ill—1; V I I I - 3 . Jansen, Ewaldo.—Rua do Gasometro 325 y Avenida Sao JoSo 755, SSo Paulo; and Blumenau, Santa Catarina. V I I I - 4 ; V I I I - 5 . Address amended from Rua Washington Luiz 378 y Avenida Sao Jo8o 755, Sao Paulo; and Blumenau, Santa Catarina. Kato e Cia. Ltda., Carlos Y.—Pereira Barreto, Sao Paulo. V I I I - 2 . Keetman, Wilhelm.—Avenida Presidente Vargas 1084 y Rua Barao de Jaguaribe 133, Rio de Janeiro. I I I - 3 ; VIII-5. Address amended from Rua Saccadura Cabra 109, Rio de Janeiro. Kellner, Max.—Rua Rainha Elisabete 87, Rio de Janeiro. V I I I - 4 . Liick, E. W.—Natal, Rio Grande do Norte. I ; VIII-5. Amended from Luck e Cia., Gurgel.—Rua do Commercio 161-165, Natal. Malik, J. G.—Rua Tobias do Amaral 84, Rio de Janeiro. V - l ; V I I I - 4 . Maquinas Excelsior Industria e Comercio S.A.—Rua Capitao Salomfio 87, Sao Paulo. V I I - 5 ; V I I I - 3 ; VIII-5. Address amended from, Rua Conselheiro Crispiniano 28 y Avenida Uch6a 7, S2o Paulo. Mercantil Sigilda Ltda., Soc.—Rua Maud 886, Sfio Paulo. V I I I - 4 , Meyer e Cia., Ltda., Oswaldo.—Rua Coronel Vlncente 884, Porto Alegre, Rio Grande do Sul. I I - 2 ; VIII-2. > Not to bo confused with Industria Quimica Sul Biograndense Ltda., Bua Aim Iran te Barroso 290, Porto Alegre. PART I 11 BRAZIL—Continued Additions and Amendments—continued Muench, Ernesto Ferdinando.—Rua Capitao Salomao 87, Sao Paulo. V I I I - 4 ; VIII-5. Address amended from Rua Conselheiro Crispiniano 28, Sao Paulo. Ohara Irmao e Cia.—Rua Ant6nio Pais 37, Sao Paulo, and all branches in Brazil. 1-1; VIII-2. Otuzu, Riti.—Aracatuba, Sao Paulo. II—2; VIII-3. Ozaki, Takahashi e Cia., Ltda.—Rua Yiuva ClAudio 244, Rio de Janeiro. I; VIII-2. Reis Buchmuller, Jorge.—Rua Sao Bento 10 y Rua Flack 148, Rio de Janeiro. VIII-3. Representagoes Intermil Ltda., Soc. de.—Rua do Gasometro 325, Sao Paulo, and all branches in Brazil. VIII-4; VIII-5. Address amended from Rua Washington Luiz 378 y Avenida Sao Joao 755, Sao Paulo, and all branches in Brazil. Sawao, Isositi.—Baurii, Sao Paulo. II—2; VIII-3. Schmid, Arnold.—Praga Ant6nio Prado 2, Sao Carlos, Sao Paulo I; VIII-4. Schmidt, K.—Rua Julio Adolfo 14, Sao Salvador, Bahfa. VIII-5. Schreurs, H.—Avenida Alberto Bins 770, Porto Alegre, Rio Grande do Sul. I; VIII-5. Amended from Schreurs e Cia., Ltda., H.—Rua Voluntaries da P&tria 140, Porto Alegre. Schulte, Paulo H.—Caixa Postal 132, Santa Catarina; and Rua Caravelas 198, Sao Paulo. IV-5; VI-5; VIII-3. Sievers, Karl.—Rio de Janeiro. VIII-3. Tintas e Produtos Albion Ltda. 2 —Rua Sao Bento 10 y Rua Flack 148, Rio de Janeiro. V I I I - 3 ; VIII-4. "Ufar" Electro Trapsformadores Ltda.—Rua do Rosario 135, Rio de Janeiro. IV-4; VIII-2. Ultragas S. A., Cia.—Avenida Graga Aranha 57. Rio de Janeiro, and all branches in Brazil. V I I - 6 ; VIII-1. Will, Frederico.—Rua Sao Jos6 11, piso 2, Rio de Janeiro. I; VIII-5. Address amended from Rua da Alf&ndega 69, Rio de Janeiro. Yoneda, Hidesi.—Sta. Cruz do Rio Pardo, S3o Paulo. I I I - l ; VIII-3. Deletions A Ultraferramenta, Ltda.—Rua Newton Prado 406, Sao Paulo. I; I I ; VIII-5. Agencia Brasileira S.A.—Rosdrio 136, Rio de Janeiro; and Xavier Toledo 46, Sao Paulo. I; VIII-5. Agencia Commercial do Japao.—Avenida Rio Branco 193, Recife, Pernambuco. I; VIII-5. Associagao Central Nipo-Brasileira.—Praga, Getulio Vargas 2, Rio da Janeiro. I; VIII-5. • Not to be confused with Malharia Albion Ltda., 318 Avenida Celso Garcia, Sao Paulo. 12 PAET I BRAZIL—Continued Deletions—continued Bast, Jorge—Rua Capote Vaiente 116, SSo Paulo. Ill—1; V I I I - 5 Buchheister, Alfredo.—Rua da Quitanda 47-4°, s-7, Rio de Janeiro. I; V - l ; V I - 3 ; VIII-5. Buckup e Cia., P.—Avenida Celso Garcia 409 (Caixa Postal 2903), S2o Paulo. I; VIII-5. C&mara de Commercio Nippo-Brasileira.—Rua da Alf&ndega 107, Rio de Janeiro. I; VIII-5. Carvalho e Cia., Ltda.,. Abel.—Tedphilo Ottoni 106-A, Rio de Janeiro. I V - 2 ; I V - 5 ; V - 6 ; VIII-2. Casa Trommel.—Avenida Celso Garcia 409 (Caixa Postal 2903), Sao Paulo. I; VIII-5. Comercio e Equipamentos Tdcnicos Ltda., Soc. de.—Rua 7 de Setembro 1116, Porto Alegre, Rio Grande do Sul. I V - 2 ; VIII-5. Commissaria Italo-Brasileira, Ltda.—Rua General C&mara 35, Rio de Janeiro. I; VIII-5. Costa Carvalho e Cia.—Rua do Bom Jesiis, Recife. I ; VIII-5. Dedkind, Martin.—Rua Augusta 598, Sao Paulo. I ; V I I I - 3 "Deutz Otto" Legitimo, Ltda., Sociedade de Motores. 1 —Rio de Janeiro. I; VIII-4. Empresa Transportadora Hollmann.—S£o Paulo, and all branches in Brazil. Ill—4; VIII-5. F&brica de Adubos Esperanga.—Sao Paulo. I ; VIII-5. F&brica de Machinas Raimann, Ltda. 1 —Joinville, Santa Catarina. I ; VIII-3. F&brica Nacional de Papeis Heliogrdphicos Ltda. - Ozalid Brazil. 1 —Rua Barra Funda 444, Sao Paulo. I V - 1 ; VIII-2. Fdbrica Nacional de Tambores, Ltda. 1 —Rua Clelia 93, Sao Paulo; and Rio de Janeiro. I; VIII-3. Federal de FundigSo, Cia. 1 —Rua Nery Pinheiro 70, Rio de Janeiro I; VIII-1. Frigoriflco Perrella.—Avenida Contorno 2416 (Caixa Postal 473), Belo Horizonte, Minas Geraes. I V - 4 ; VIII-1. Hansen e Cia., Alfred.—Rua da Alffindega 107, Rio de Janeiro. I; VIII-5 Henniger, Friederich.—Rua Canning 16, Rio de Janeiro. I V - 6 ; VIII-5. Imaizumi, Misao.—Rua B6a Vista 116, Sao Paulo. I; V I I I - 5 . Informadora Rapida, Ltda.—Praga Maud 7, Rio de Janeiro. 1; VIII-5. Internacional de Commercio, Ltda., Soc.—Rua Uruguayana 104, Rio de Janeiro. I; VIII-5. Iwasaki, Hikoyata.—Sao Paulo. I; VIII-5. twasaki, Takaya.—Sao Paulo. I ; VIII-5. Iwasaki, Tsuneya.—Sao Paulo. I; VIII-5. Jenner, Ernst.—Jo5o Pess6a, Parahyba. I ; V I I I - 5 . Jenner e Cia., Ernesto.—Joao Pess6a, Parahyba, and all branches in Brazil. I ; VIII-5. Jopila Exportadora, Ltda.—Recife, Pernambuco. I j V I I I - 5 . 1 Nationalized by the Brazilian Government. PART I 13 BRAZIL—Continued Deletions—continued Kirsten, Carlos (Successor of Kirsten & Weber).—Rua Lopes Cardoso 16 (Caixa Postal 384), Bahia. I; V I - 3 ; VIII-2. Litogrdfica Blumenau, Cia.—Blumenau, Santa Catarina. II—2; VIII-5. Livraria Allemfi.—Belo Horizonte, Minas Geraes. I; V I - 4 ; VIII-5. Livraria Parand.—Rua Bar&o do Rio Branco 23, Curitiba, Parand,. II—2; VIII-5. Loja Kiito.—Rua Direita 255, Sao Paulo. I; VIII-5. "Loja Telefunken".—Belo Horizonte. I; V I - 3 ; VIII-5. Madeiras Compensadas Ltda.—Rua 24 de Maio 594, Curitiba, Pa ran A. II—2; VIII-2. Messner, Franz (Dr.).—Rua General Cdmara 19, Rio de Janeiro. I ; VIII-5. MineragSo Oldenburg Ltda.—Rio de Janeiro. 1 - 1 ; VIII-5. Misukami, Fujio — Sao Paulo. I; 1-2; VIII-5. Motores "Deutz Otto" Legitimo, Ltda., Soc. de. 1 —Rua da Alf&ndega 116, Rio de Janeiro. I; VIII-4. Motores Marelli S. A.—Rua Camerino 91-93, Rio de Janeiro. I; I I - 4 ; VIII-2. Murai, Y o . — I; VIII-5. Nichikida Ltda., F. T.—Assai, Sao Paulo. 1-1; V I I I - 5 . Oficina Mec&nica Magirus Deutz-Diesel Ltda. 1 —Rua Pedro Alves 96, Rio de Janeiro. V - 6 ; VIII-4. Oki, Tatuo.—Avenida Nilo Peganha 151, Rio de Janeiro. I V - 2 ; V I I I - 5 . Omnipol Brasileira S. A.—Rua General C&mara 139 (Caixa Postal 2734), Rio de Janeiro. I; VIII-2. Overbeck, Hermann Heinrich.—Rua Miguel Calmon 24, Bahia. V - l ; VIII-3. Overbeck, Wilhelm.—Rua Miguel Calmon 24, Bahia. V - l ; VIII-3. Overbeck, Wilhelm Renning.—Rua Miguel Calmon 24, Bahia. V-l. VIII-3. Overbeck e Cia.—Rua Miguel Calmon 24, Bahia. V - l ; V I I I - 3 . Ozalid Brazil-Fibrica Nacional de Papeis Heliogr&phicos Ltda. 1 —Rua Barra Funda 444, Sao Paulo. I V - l ; VIII-2. Perrella, Pasquale.—Avenida Contorno 2416 (Caixa Postal 473), Belo Horizonte. V - 2 ; VIII-1. Perrella & Filhos.—Avenida Contorno 2416 (Caixa Postal 473), Belo Ilorizonte, Minas Geraes. I V - 4 ; VIII-1. Perrella Irmaos.—Avenida Contorno 2416 (Caixa Postal 473), Belo Horizonte, Minas Geraes. I V - 4 ; VIII-1. Productos Agricolas Ltda.—Rua Anhangabahu 1095-1103, Sao Paulo; and Praga 15 de Novembro 38-A, Sala 25, Rio de Janeiro. Ill—1; I V ; I V - 6 ; VIII-5. Raimann e Cia. 1 —Rua Florencio de Abreu 123, Sao Paulo, and all branches in Brazil. I ; V I I I - 3 . RepresentagOes Union, Ltda.—Rua 1° de Margo 118 (Caixa Postal 590), Rio de Janeiro. I; VIII-5. 1 Nationalized by the Brazilian Government. 14 PART I BRAZIL—Continued Deletions—continued Residuos Algodoeira, Ltda.—Rua Sao Bento 290, SSo Paulo. I ; VIII-5. Riedel, J. D.-E. de Haen e Cia., Ltda. 1 —Trav&sa Santa Rita 24, Rio de Janeiro; and Sao Paulo. I; 1-4; VIII-3. Ritter, Carl—Blumenau. IV-6; VIII-1. Schlemm e Cia., E.—Rua 15 de Novembro 387 (Caixa Postal 550), Curitiba, Paranii. I; VIII-5. Schmidlin e Cia.—Rua Tamoyos 487, Belo Horizonte, Minas Geraes. I; VIII-5. Schmitt & Alberto.—Rua Evaristo da Veiga 142-4, Rio de Janeiro. I; VIII-5. "SOINC" Sociedade Internacional de Commercio, Ltda.—Rua Uruguayana 104, Rio de Janeiro. I; VIII-5. Takata, Tohru.—Avenida Nilo Peganha 151 e Avenida Atl&ntica 225, Rio de Janeiro. I V-2; VIII-5. Taruma, Soiti.—Londrina, Parand. Ill—1; VIII-3. Teeidos Japonezes S.A.—Rua Direita 255, Sao Paulo. I; VIII-5. Transportadora Hollmann.—Sao Paulo, and all branches in Brazil. Ill—4; VIII-5. Wagner, Ltda., Fibrica Gunther.1—Rua Mello Souza 86, Rio de Janeiro. I; VIII-3. Waste Export, Ltda.—Rua Sao Bento 290, Sao Paulo. I; VIII-5. Yamada, Tadashi.— I; VIII-5. < Nationalized by the Brazilian Government. CHILE Additions and Amendments Anania Halabi, Jorge.— VIII-3. Anania Halabi, Victor.— VIII-3. Anania Lama, Jos6.— VIII-3. Anania e Hijos, Soc., Jos6.— VIII-3. Braemer Martin, Hardy (Dr.).—Pasaje Gofii 10, Vifia del Mar. VIII-3. "Casa del Laboratorio".—Avenida Uruguay 450, Valparaiso. VIII-3. Fonck, Eugenio.—Valparaiso. VIII-2. Grau, Marta Baltzer de.—c/o Staudt y Cia., Morande 672, Santiago. VIII-3. Herberg, Margarita Ruge de.—c/o Staudt y Cia., Morande 672, Santiago. VIII-3. Hucke, Federico.—Valparaiso. VIII-2. Knoop Schwardt, Roberto.—Agustinas 1220 (Casilla 8027), Santiago, and all branches in Chile. VIII-2. Kuhlmann Hucke, German.—Valparaiso. VIII-2; VIII-5. Name amended from Kuhlmann, German. Larre, Alejo.—Rio Bueno. VIII-4. Loch Petter, Pedro.—MorandS 584 (Casilla 1286), Santiago. I; VIII-2. Martin Damyon, Dora.—Avenida Alemana 5462, Valparaiso. VIII-3. PART I 15 CHILE—Continued Additions and Amendments—continued Montero, Alejandro. 1 —Agustinas 1859 (Casilla 742), Santiago. VIII-2. Olavarria Bravo, Arturo.—c/o Staudt y Cia., Morande 672, Santiago. VIII-3. Pichaida Bulla, Jorge.—Bandera 575, Santiago. VIII-5. Werkmeister, Rosina Fritz de. —Camilo Henrfquez 705 y General Lagos 965, Valdivia. VIII-2. Westendarp-Goerlich, Rodolfo.—Artegui 461, Villa del Mar. VIII-4. Deletions Abdul-Malak, Ibrihim.—Avenida Pedro Montt 2354, Valparaiso. V - 6 ; VIII-2. Adura, Jos6.—Avenida Independencia esquina Talca, Punta Arenas. IX—1; VIII-1. Agricola Ganadera Calcufilo, Sociedad.—La Uni6n. I V - 3 ; VIII-4. Agrlcola Ganadera Purrapel, Sociedad.—La Uni6n. I V - 3 ; VIII-4. Alamos Igualt, Vicente.—Ahumada 236, oficina 303, Santiago. V-t; VIII-4.. Almac^n "Los Gauchos".—Calle Varas esquina General Mackenna, Temuco. V I I - 4 ; VIII-3. "Almac6n Pisagua".—Chacabuco 2812, Valparaiso. V - 2 ; VIII-3. Almacto San Juan.—San Javier. V - l ; VIII-1. Alvarez R., Osvaldo.—Errdzuriz 845, Punta Arenas. I ; VIII-2. Andrade Ramos, Armando.—Casilla 279, Rancagua. I V - 3 ; VIII-4. Andreani Destefani, Silvio.—Atacama 302, Copiap6. II—3; VIII-3. Andriola P., Nicolas.—Prat 437, Antofagasta. 1-1; VIII-4. Aranda, Erasmo.—Hugrfanos 1372, Santiago. V - 4 ; VIII-1. Arriagada, Jorge Orellana.—Casilla 1894, Santiago. I; VIII-1. Aste Demartini, Amadeo.—Chacabuco 2812 y Yungay 2803, Valparaiso. V - 2 ; VIII-3. Aste Demartini, Domingo.—Chacabuco 2812 y Yungay 2803, Valparaiso. I V - l ; VIII-3. Aste Demartini, Francisco.—Chacabuco 2812 y Yungay 2803, Valparaiso. V - 2 ; VIII-3. Aste Hnos. y Cia.—Chacabuco 2812 y Yungay 2803, Valparaiso. I V - l : VIII-3. Aste y Cia., Ltda.—Chacabuco 2812 y Yungay 2803, Valparaiso. V - 2 : VIII-3. Aubel Sangmeister, Maquinaria y Mercerla, Arnoldo.—Urmeneta 529 (Casilla 24), Puerto Montt. I I I - l ; VIII-4. Aveggio Lertora, Humberto.—S. Bolivar 440, Valparaiso. V I I - 3 ; VIII-4. Avendafio, Domingo.—Tom6. I V - l ; VIII-1. Bacelli, In& Madrigal de.—Casilla 1020, Valparaiso. V - 3 ; V I - 1 ; VIII-1. Baehnke, Guillermo.—Can-era 280, Valparaiso. V - 2 ; VIII-1. "Balthasar Bruna".—Santiago. I V - l ; VIII-4. Bar Martini.—Plaza Sotomayor 160, Valparaiso. Ill—3; VIII-3. • Not to be confused with A . Montero y Cia.—O'Higgins esquina San Martin, Santiago. 625706°—45 3 16 PABT I CHILE—Con tin ued De! etions—continued Barake Andoni, Salomon.—Victoria 3039 (Casilla 4217), Valparaiso. V - 5 ; VIII-2. Benites S., Armando H.—Echaurren 35, Santiago. Ill—4; VIII-1 Bentjerodt Lagreze, Arturo.—Estado 397, Santiago. I V - 4 ; V I I I - 3 . Binder, Alfredo—Casilla 44, Puerto Varas. I I - 3 ; VIII-5. Bischoffshausen y Fuchslocher Ltda.—Ramirez 641, Osorno. ILL—2; V I I I - 2 . Bodelon Sanz, Amando.—Gran Bretana 118, Valparaiso. Ill—4; VIII-3. Bodel6n Sanz y Cia.—Blanco 1466, Valparaiso. I I I - 4 ; VIII-3. Boehmwald M., Alberto.—Casilla 474, Valdivia. V I I - 3 ; VIII-4. Bonacic, Juan.—Err&zuriz 798, Punta Arenas. V - l ; VIII-1. Borneck Heinshon, German.—P6rez Rosales 633-645 (Casilla 316), Valdivia. IV-3; VIII-4. Bosco Salzano, Luis.—Esmeralda 1132, Valparaiso. V - 3 ; VIII-1. Brandeis, Enrique.—Hu6rfanos 1372, Santiago. 1-3; VIII-4. Brinckmann, Bruno Adolf August.—Manuel Montt 792, Santiago. V I I - 1 ; VIII-1. Bubis, Adolfo.—San Antonio 375, Santiago. V I I - 5 ; V I I I - 3 . Buchholz, Gustavo.—Higuera 133, Cerro Alegre, Valparaiso. I I - 4 ; V I I I - 5 . Burgemeister y Frey, Ltda.—Picarte 321 (Casilla 69-D), Valdivia. 1 - 2 ; VIII-2. Busch, E. W. de (Sue. de C. Wiedmaier).—Blanco 957, Valparaiso. II—3; VIII-4. Caf6 Rio de Janeiro.—Puente 548, Santiago. I I I - 3 ; VIII-3. Campodonico R., Pedro.—Err&zuriz 1028 y Blanco 1041, Valparaiso. I - l ; VIII-3. Cafias Flores, Ramiro.—Dardignac 170, Santiago. Ill—4; VIII-2. Canepa Vaccarezza, Jos<5.—Juana Ross 181 (Casilla 4336), Valparaiso. II—5; VIII-3. Carrascosa, Florentino.—Morand4 330, Santiago. VII-3; VIII-1. Carretero Molano, Casto.:—Avenida Brasil 2007, Valparaiso. I V - 4 ; VIII-2. Carretero del Mudo en liquidaci6n, Casto.—Teatinos 744, Santiago. V—4; VIII-2. Carretero del Mudo, Sucesi6n Casto.—Teatinos 744, Santiago. V-4; VIII-2. "Casa Imperio".—Chilian. I V - l ; VIII-1. Casa "Juvenal Contreras".—Juana Ross 247 (Casilla 4114), Valparaiso. V - 2 ; VIII-4. Catalan R., Vicente.—O'Higgins 570, La Serena. V - 5 ; VIII-1. Catalan y Cia., Vicente.—O'Higgins 570, La Serena. V - 5 ; VIII-1. Cavalli y Cia., Eduardo.—Casilla 215, Copiap6. I V - 4 ; VIII-3. Caviedes y Cia. Ltda., Carlos.—Bernardo O'Higgins 2836, Santiago. V I I 4; VIII-4. Ceballos Cuesta, Cris6gono.—Valparaiso. V - 3 ; VIII-2. Chavez, Nicolds.—Bolivar 352, Iquique. I V - 2 ; VIII-2. Chilena de Articulos para Calzado, Soc.—Teatinos 975 (Clasificador 117), Santiago. I - l ; VIII-2. Colombo Bagnara, Aldo.—Avenida Brasil 2296, Valparaiso. Ill—1; V I I I - 4 . Colombo Bagnara, Hugo.—Avenida Brasil 2296, Valparaiso. I I I - l ; V I I I - 4 . PART I 17 CHILE—Continued D eletions—continued Colombo Caro, Enrique.—Avenida Brasil 2296, Valparaiso. Ill—1; VIII-4. Contreras P6rez, Juvenal.—Juana Ross 247 y Cochrane 167 (Casilla 4114), Valparaiso. V - 2 ; V I - 3 ; VIII-4. Curti Ruggiani, Arnaldo.—Yungay 2730-2732, Valparaiso. I I I - 4 ; VIII-2. Curti Ruggiani, Tulio.—Yungay 2730-2732, Valparaiso. I I I - 4 ; VIII-2. Curti y Cia., Ltda., Fratelli.—Yungay 2730-2732, Valparaiso. I I I - 4 ; I V ; VIII-2. De Garbado, Antonio.—Oficina Ingenio Hercules, Estaci6n Catalina, Taltal. II—1; VIII-3. Delano Garland, Roberto F.—1 Poniente 441, Vina del Mar. V1I-4; VIII; VIII-3. De la Vega, Manuel.—Simpson esquina Ramirez, Quilpu6. I V - 4 ; VIII-1. Diaz Brantes, Humberto.—Serrano 591, oficina 70, Valparaiso. I V - 1 ; VIII-3. Dominguez, Ricardo.—Libertad 173, Valdivia. I I I - 2 ; VIII-2. Dominguez y Caballero.—Casilla 459, Valdivia. I V - 5 ; VIII-2. Drogueria Busch y Cia. (Sucesores de C. Wiedmaier).—Blanco 1205, Valparaiso. V - l ; VIII-4. Droppelmann, Jorge.—Del Salvador 363, Puerto Varas. I V - 3 : VTII-2. Dunker, Anton.—Concepci6n. I V - 5 ; VIII-2. "El Mercado".—Yungay 2803, Valparaiso. I V - 1 ; VIII-3. "El Pacifico".—Bolognesi 347, Arica. I V - 4 ; VIII-3. "El Pobre Diablo".—Diego Portales 1001, Temuco; and 5 de Abril 798, Chilldn. I V - 1 ; VIII-1. Electro-Chilena.—Cochrane 167 (Casilla 4114), Valparaiso. V I - 3 ; V I I I - 4 E16rtegui Armendaris, Domingo.—Valparaiso. Ill—3; VIII-3. E16rtegui Armendaris, Pedro.—Valparaiso. Ill—3; VIII-3. Emprc\a Arte-Film.—Serrano 591, oficina 70 (Casilla 1731), Valparaiso; and Huirfanos 1153, oficina 2, Santiago. I V - 1 ; VIII-3. Empresade Transportes Heck.-—Picarte 1765 (Casilla 666), Valdivia. V I - 6 ; VIII-3. Encina P., Nicol&s— Bolognesi 347, Arica. I V - 4 ; VIII-3. Enrfquez, Tomrts.—San Isidro 673, Santiago. V-2; VIII-2. EstSbanez Blanco, David.—Diego Portales 1001, Temuco; and 5 de Abril 798, Chilldn. I V - 1 ; VIII-1. Est6banez Blanco, Emilio.—Diego Portales 1001, Temuco; and 5 de Abril 798, Chilldn. I V - 1 ; VIII-1. Est£banez Blanco, Senador.—Diego Portales 1001, Temuco. I V - 1 ; VIII-1. EstSbanez Hnos. y Cia., Ltda.—Diego Portales 1001, Temuco; and 5 de Abril 798, Chillta. I V - 1 ; VIII-1. EstSbanez Hnos. y Cia. y Ramirez—Vilcun. V I I - 1 ; VIII-1. Fdbrica de Conservas "Oso".—Casilla 1-A, Los Andes. I I - 3 ; VIII-1. Fdbrica Nacional de Abonos y Cola Limitada.-—Santa Rosa 3996, Santiago. I V-2; VIII-4. Farmacia Bentjerodt Lagreze.—Estado 397, Santiago. I V - 4 ; VIII-3. Fernfindez Moraga, Julio.—Los Andes y Brasil 1509 (Casilla 50-V), Valparaiso. I V - 4 ; VIII-1. 18 PART I CHILE—Continued De!etions—continued Ferrari, Josefina Aveggio de.—Sim6n Bolivar 440, Valparaiso. I V - l ; V I I I - 4 Ferrari Pizzotti, Mdximo.—S. Bolivar 440, Valparaiso. V I I - 3 ; V I I I - 4 . Ferrari Pizzotti, Pascual.—S. Bolivar 440, Valparaiso. V I I - 3 ; VIII-4. Ferrari, Plinio.—Sim6n Bolivar 440, Valparaiso. I V - I ; V I I I - 4 . Ferrari y Cia.—S. Bolivar 440, Valparaiso. V I I - 3 ; VIII-4. Fiabane Ciampa, Enrique.—Valparaiso 498, Vifia del Mar. V I - 2 ; V I I I - 4 . Flugel Deming, Guillermo.—Bandera 620, piso 3 (Casilla 1120), Santiago. II—2; VIII-1. Francione T.,Victor.—Orttizar 282, Melipilla. I V - 4 ; V I I I - 3 . Fricke, Jermiin.—Casilla 776, Valdivia. V - l ; VIII-1. Fuchslocher, Egon.—Prat 780, Osorno. I I I - 2 ; VIII-2. Fundicidn Carbonell.—Carmen 563, Santiago. V I I - 5 ; VIII-3. Fundici6n Grajales.—Grajales 2548, Santiago. Ill—1; VIII-4. Galletti, Santiago.—Avenida Argentina 163, Valparaiso. I V - 2 ; V I I I - 3 . Galli Curti, Mario Aimone.—Yungay 2730-2732, Valparaiso. I I I - 4 ; VIII-2. Garcia, Fflix.—Santo Domingo 1231, Santiago. I ; VIII-4. Gerhardy Cia. Ltda—Catedral 1401-12 (Casilla 1716),Santiago. I ; V I I I - 2 . "Germania y Araucania", Compafifa de Seguros.—Esmeralda 1015, Valparaiso. 1 - 4 ; VIII-1. Gevert & Neeb.—Amundtegui 480, Santiago. 1 - 1 ; VIII-3. Giglio, Mario.—Avenida Argentina 163, Valparaiso. I V - 2 ; VIII-2. Giglio Raggi, Gabriel—Victoria 3039 (Casilla 4217), Valparaiso. V - 5 ; VIII-2. Giglio Raggi, Vittorio (Victor).—Rosas 1104, Santiago. I V - 5 ; V I I I - 2 . Giglio y Barake.—Victoria 3039 (Casilla 4217), Valparaiso; and Rosas 1142, oficina 28, Santiago. V - 5 ; VIII-2. Godoy y Cia. Ltda.—Bandera 850, Santiago. V I I - 4 ; VIII-4. G6mez Henriquez, Alfredo.—Garcia Reyes 37, Santiago. Ill—8; VIII-1. Gonzdlez, Jos<5 M.—Casilla 278, Talca. I I - 5 ; VIII-2. Gonzdlez Labbe Hnos.—Casilla 214, Rancagua. V I - 3 ; VIII-2. G6pfert y Cia., Ltda., Pablo.—Bandera 575 (Casilla 1957), Santiago. I; VIII-2. Grob, Sociedad Industrial Te6filo.—La Uni6n, and all branches in Chile. I V - 3 ; VIII-3. Heck C., Erwin.—Picarte 1765 (Casilla 666), Valdivia. V I - 6 ; VIII-3. Heck C., Walter.—Picarte 1765 (Casilla 666), Valdivia. V I - 6 ; VIII-3. Heck L „ Eduardo.—Picarte 1765 (Casilla 666), Valdivia. V I - 6 ; V I I I - 3 . Heinrich, Osvaldo.—Rio Bueno. I V - l ; V I I I - 5 . Heinrich, Waldemar.—Rio Bueno. I V - 1 ; V I I I - 5 . Hemard, Raiil.—San Javier. V - l ; VIII-2. Henseleit, Julio.—Nueva York 62, Santiago. 11-5} VIII-4. Herrera Lira, Ricardo.—Amun&tegui 661, Santiago. I V - 1 ; V I I I - 2 . Hinze y Bostelmann.—Bandera 419, Santiago. I; VIII-3. Hochstetter Ubella, Augusto.—Casilla 325, Santiago. V I I - 5 } V I I I ; V I I I - 3 . Holzapfel, Clemente.—Casilla 33, Valdivia. I I - 4 ; VIII-4. Hoppe, Walterio.—Calle Riquelme, La Uni<5n. Ill—4; VIII-3. Hotel Reina Victoria.—Plaza Sotomayor 160, Valparaiso. 111—3} V I I I - 3 . PAET I 19 CHILE—Continued Deletions—continued Houber Schneider, Emilio.—Garcia Reyes 37, Santiago. I I I - 3 ; VIII-1. Houber y Cfa., Ltda., Emilio.—Romero 2455, Santiago. I I I - 3 ; VIII-1. Houber y G6mez Ltda.—Garcia Reyes 37, Santiago. I I I - 3 ; VIII-1. Hurtado, Aurelio.—Valparaiso. II—5; VIII-1. Ib&fiez, Zamudie.—Santiago. II—5; VIII-2. Imprenta Borneck.—P6rez Rosales 633-645 (Casilla 316), Valdivia. I V - 3 ; VIII-4. Imprenta Rdpida.—Arturo Prat 12, Santiago. I V - 3 ; V I I I ; VIII-4. Intercontinental Express and Exchange Company.—Agustinas 1026, Santiago. V - 2 ; VIII-4. Jux Hoebich, Joachim.—Picarte 461, Valdivia. V I - 1 ; VIII-5. Kaehni Braun, Adolfo.—Avenida Prat 662 (Casilla 526), Valdivia. I V - 3 ; VIII-3. Kirsten D., Juan.—Ramirez 737, Osorno. V - l ; VIII-2. Klapp, Enrique.—Montt 962, Temuco. I V - 4 ; VIII-3. Kohen Burman, Adolfo.—Blanco 399, Valparaiso. V - l ; VIII-2. Kohnenkamp, Merino y Cia., Ltda.—Ahumada 346, Santiago. Ill—1; VIII-2. Koke Klassig, Federico.—Avenida Baquedano s/n, y Avenida Alemania s/n, Rancagua. V I - 4 ; V I I I - 4 . Koke y Cia.—Agustinas 925, Santiago. V I - 6 ; VIII-4. Kommer, Lothar.—Agustinas 972, oficina 419, Santiago. II—5; VIII-1. Kroeger M., Alberto.—Valparaiso. Ill—1; VIII-1. Kunstmann, Alfredo.—Yungay 645 (Casilla 287), Valdivia. I V - 2 ; VIII-2. "La Araucania", Companfa de Seguros.—Esmeralda 1015, Valparaiso. 1-4; VIII-1. "La Bota Verde".—Casilla 459, Valdivia. I V - 5 ; VIII-2. "La Colmena".—Vicuna Mackenna 101 (Casilla 161), Ovalle. I V - 3 ; V I I I - 3 "La Germania", Companfa de Seguros.—Esmeralda 1015, Valparaiso 1-4; VIII-1. La Rocca Hnos.—Condell 1244, Valparaiso. I V - 5 ; VIII-4. Laboratorio Boston.—General Korner 1282, Santiago. II—3; V I I I - 3 . Laboratorio Revel.—Presidente Bulnes 136, Santiago. V I - 3 ; VIII-1. Lacquaniti G., Alberto.—Quinteros. I I - 4 ; V - l ; VIII-1. Lanata Canessa, Angel.—Valparaiso 498, Vina del Mar. V I - 2 ; VIII-4. Lanata & Fiabane.—Valparaiso 498, Vina del Mar. V I - 2 ; VIII-4. Laroche P., Edmundo.'—Agustinas 972 (Clasificador D-538), Santiago. 1-1; VIII-4. Lavanchy C., Cornelio.—Freire 200, Concepci6n. Ill—3; VIII-3. Lavin, Francisco J.—c/o Staudt y Cia., Ltda., Morand6 672 (Casilla 1848), Santiago. V I - 6 ; VIII-4. Leist, Crist6bal. — Almagro 248 (Casilla 4148), Santiago. I; VIII-3. Lemmerzahl, Ernesto.—Benedictinos 65, Vina del Mar. I V - 3 ; VIII-5. Liebrecht, Ernesto.—Roca 1011 (Casilla 271), Punta Arenas. I V - 3 ; V - 2 ; VIII-4. Lingua Buzzetti, Theo.—Chacabuco 481 (Casilla 135), Copiap6. 11-2; VIII-3. Loch P., Sibylla.—Grajales 2548, Santiago. I I I - l ; VIII-4. 20 PART I CHILE—Continued Deletions—continued Liibert, Erna.— Buenas 1948, Valdivia. I V - 5 ; VIII-2. Maldini G., Luis.—O'Higgins 110, Copiap6. I I - 5 ; VIII-3. Maldini Tornini, Atilio.—O'Higgins esquina Rancagua, Copiap6. I V - l ; VIII-3. Maldini Tornini, Eduardo.—O'Higgins esquina Rancagua, Copiap6. I V - 1 ; VIII-3. Maldini Tornini, Norberto.—O'Higgins 110, Copiap6. I V - 1 ; V I I I - 3 . Maldini e Hijos, Luis.—O'Higgins esquina Rancagua, Copiapd. I V - 1 ; VIII-S. Malonek, Erwin. —Bandera 188, Santiago. V I - 3 ; VIII-3. Manf6 Gaggero, Juan.—Avenida Pedro Montt 2555, Valparaiso. Ill—1; VIII-1. Marini Monteverde, Silvio.—Avenida Pedro Montt 1844, Valparaiso. I I I - 2 ; VI11-4. Marraccini C., Hector.—Avenida Brasil 2366, Valparaiso. I V - 2 ; VIII-2. Martinez, Carlos Alberto.—Hudrfanos 1112, Departamento 20, Santiago. I I I - l ; VIII-1. Martinez Frugone, Enrique.—Carrera 280 (Casilla 466), Valparaiso. V-3; VIII-1. Martinez y Cia., Jestis.—Bandera 843, Santiago. I ; VIII-1. Martini y Rossi (Chile) Ltda.—Vina del Mar. I ; I I - 3 ; VIII-4. Medel, Elizardo.—O'Higgins esquina Cocharcas, ChilMn. V - l ; VIII-2. Meeder, Ema viuda de.—Casilla 1697, Puerto Varas. I V - 6 ; V I I I - 4 . Mejias, Manuel—Talca. V - 2 ; VIII-2. "Mercerfa Arturo Prat".—Serrano 441, Valparaiso. V - 3 ; V - 4 ; VIII-2. "Mcrcerfa Inglesa".—Condell 1298, Valparaiso. V - 3 ; V-4; VIII-2. Merino Saavedra, Juan.—Ahumada 346, Santiago. V - 5 ; VIII-2. Meyer, Heriberto.—Avenida Manuel Montt 1660 (Casilla 13006), Santiago. Ill—1; VHI-1. Mingo Bilbao, Vicente.—Aldunate 502, Temuco. IV-2; VIII-2. Molino Koke.—Avenida Alemania s/n, Rancagua. V I - 4 ; VIII-4. Monguillo, Domingo.—Iquique. I ; VIII-1. Monti y Cfa. —All branches in Chile. I; V I I I - 4 . Montt Wilms, Ambrosio.—Agustinas 1070, Santiago. I ; V - 5 ; VIII-2. Morales Domfnguez, Carlos.—Manuel Montt 2481, Santiago. II—5; VIII-2. Moreno, Armando.—San Luis de Francia 1776 (Casilla 4232), Santiago. I; VIII-1. Miicke Hoffmann, Francisco.—Casilla 18, Ancud. II—4; VIII-4. Musso y Cia., Fernando.—Santa Rosa 3996, Santiago. I ; V I I I - 4 . Navia, Emilia.—c/o Goldmann, Janssen, Blanco 1121, Valparaiso. I V - 3 ; VIII-2. Neeb & Kirchgaessener Ltda. —General Korner 1282, Santiago. I - l ; VIII-3. Neitzel y Orthmann.—Compafifa 1264 (Casilla 1894), Santiago. I ; V I I I - 2 . Neupert, Ricardo.—San Diego 153 (Casilla 3945), Santiago. V - 2 ; VIII-2. Nissen, A. C.—Errdzuriz 798, Punta Arenas. I V - 6 ; VIII-1. Noria del Campo, Alfredo.—Avenida Pedro Montt 2356, Valparaiso. V I - 6 ; VIII-4. PART I 21 CHILE—Continued D eletions—continued Noria del Campo Hnos.—Avenida Pedro Montt 2356, Valparaiso. 1-2; V I I I ; VIII-4. Ochoa, Ad&n.—Bueras 355, Valdivia. I V - 4 ; VIII-2. OCOD, "Oficina Centralizadora" de La Oferta y de La Demanda.—Nueva York 17, piso 6, oficina 3, Santiago. V - 3 ; VIII-1. Oelckers, Arturo.—Puerto Montt. V I I - 3 ; VIII-2. Oelckers y Cia., Arturo—Puerto Montt. V I I - 3 ; VIII-2. Oelckers y Cia. Ltda., Arturo.—Santiago. V I I - 3 ; VIII-2. Oesterheld Sieg, Goetz.—Picarte 1211 (Casilla 530), Valdivia. V - 3 ; V I I I - 2 . "Oficina Centralizadora" de La Oferta y de La Demanda (OCOD).—Nueva York 17, piso 6, oficina 3, Santiago. V - 3 ; VIII-1. Pacheco Tapia, Maria.—Avenida Portugal 8, Santiago. V - l ; VIII-4. Paulsen y Cia.—Hugrfanos 1284 (Casilla 1035), Santiago. I ; VIII-4. P&vez Vallejo, Mario.—Avenida Santa Maria 1685, Santiago. VI-6; VIII-4. Pitto, Solari y Cia., Ltda.—Avenida Uruguay 152 (Casilla 4070), Valparaiso. I I - 4 ; VIII-2. Purcell Hnos., Ltda.—Blanco 1131 (Casilla 2087), Valparaiso. I I - 2 ; VIII-2. Ramirez Ramirez, Julidn.—Vilctin. V I I - 1 ; VIII-1. Ramos, Emilio.—Hugrfanos 920, oficina 1, Santiago. I V - 1 ; VIII-1. Riegel y Cia.—Avenida Brasil 1373 (Casilla 77-V), Valparaiso. I; VIII-3. Rischmaui, Alejandro.-—Casilla 182, Rancagua. V I - 4 ; VIII-1. Robinovitch, Gregorio.—Agustinas 972 (Casilla 2553), Santiago. I I I - 4 ; VIII-1. Rodriguez Cartagena, Ernesto.—Urriola 142, Valparaiso; and Hu6rfanos 1090, Santiago. I V - 2 ; VIII-1. Rodriguez, Jos6.—Chacabuco 26-B, Santiago. I V - 5 ; VIII-1. Rodriguez R., Ricardo.—Serrano 441, Valparaiso. V-3; V U I - i . Rodriguez y Cia. Ltda., R.—Serrano 441 y Condell 1298, Valparaiso. V - 3 ; VIII-2. Rossi Porta, Carlos.—Edificio Estacifin Puerto, oficina 86, Valparaiso. III—1; VIII-3. Rossi Hermanos y Cia., Ltda.—Vina del Mar. I I - 3 ; VIII-4. Russo di Nocera, Damiano.—Casilla 14, Punta Arenas. I V - 2 ; VIII-2. Saint-Jean, Hector.—Arturo Prat 12, Santiago. I V - 3 ; V I I I ; VIII-4. Saip Dreher, Francisco.—Lincoydn 244, Concepci6n. I I I - 3 ; VIII-3. Saip Dreher, Pablo.—Lincoydn 244, Concepcidn. I I I - 3 ; VIII-3. Saip Muller, Pablo.—Lincoy&n 244, Concepci6n. Ill—3; VIII-3. Saip y Cia. Ltda., P.—Lincoydn 244, Concepci6n. I I I - 3 ; VIII-3. Salvador Auad, Alejandro.—Coquimbo 296, Ovalle. V - 6 ; VIII-3. Salvador Auad, Amador.—Vicufia Mackenna 101 (Casilla 161), Ovalle. V I - 1 ; VIII-3. Salvador Auad, Antonio.—Vicufia Mackenna 101 (Casilla 161), Ovalle. V I - 1 ; VIII-3. Salvador Auad, Jorge.—Vicuna Mackenna 101 (Casilla 161), Ovalle. VI-1; VIII-3. 22 PART I CHILE—Continued Deletions—continued Salvador Auad, Jos6.—Vicuna Mackenna 101 (Casilla 161), Ovalle. V I - 1 ; VIII-3. Salvador Auad, Victor.—Maestranza 112, Ovalle. V - 6 ; VIII-3. Salvador Vega, Emilio.—Vicuna Mackenna 101 (Casilla 161), Ovalle. V I - 1 ; VIII-3. Salvador A., A. y V—Ovalle. V - 6 ; VIII-3. Salvador Hnos. y Cia.—Vicufia Mackenna 101 (Casilla 161), Ovalle, and all branches in Ovalle. I V - 3 ; VIII-3. San Juan L., Enrique.—P6rez Rosales 700, Valdivia. I V - 2 ; V I I I - 4 . Sanguinetti Cioino, Enrique.—Yungay 2730-2732, Valparaiso. Ill—4; VIII-2. Sanguinetti Cioino, Victor.—Yungay 2730-2732, Valparaiso. I I I - 4 ; V I I I - 2 . Santes, Primitivo.—Calera. II—5; VIII-1. Schmidt, Brandes y Cia., Ltda.—Prat 772 (Casilla 1015), Valparaiso; and Agustinas 972, oficina 814, Santiago. I V - 5 ; VIII-4. Schoveling Niessing, Olaf.—Agustinas 972, oficina 401, Santiago. I I - 3 ; VIII-4. Schulze, Ernesto—Mackenna 1702 (Casilla 534), Osorno. I V - 6 ; V I I I - 4 . Schulze, Heinz (Jr.) .—Mackenna 1702 (Casilla 534), Osorno. I V - 4 ; V I I I - 4 . Schulze, Fdbrica de Arados de Ernesto.—Mackenna 1702 (Casilla 534), Osorno. I V - 6 ; VIII-4. Schutz y Cfa., Ltda., A.—Maipu esquina M. P6rez, Valdivia, and all branches in Chile. I I - 4 ; VIII-4. Seguros Generates "La Genovesa", Cfa. de.—Morandd 348, Santiago. Ill—3; VIII-1. Siebel Jenssen, Walter.—Agustinas 972, oficina 401, Santiago. II—3; V I I I - 4 . Smid, Gerhard.—Santo Domingo 1231 (Casilla 2181), Santiago. I ; V I I I - 5 . Smith Tobar, Carlos.—c/o Odoardo Scassi-Buffa, Los Lagos. V I I - 2 ; V I I I - 1 . " S O C A P A C " , Sociedad Chilena de Artfculos para Calzado.—Teatinos 975 (Clasificador 117), Santiago. I—1; VIII-2. Toloza Poblete, Hipdlito.—Calle Varas esquina General Mackenna, Temuco. V I I - 4 ; VIII-3. Truffello Hnos., Ltda.—Blanco 1041, Valparaiso; and Agustinas 975, Santiago. I—1; VIII-2. Valck Deppe, Carlos.—Calle Bernardo Morin 545, Santiago. 1 - 2 ; V I I I ; VIII-2. Valle Rend6n, Ces&reo.—Portal Fern&ndez Concha 960 (Apartado 313), Santiago. V I I - 4 ; VIII-4. Vervier R., Pablo—Barcelona 2070, Santiago. I V - 4 ; V I - 4 ; VIII-3. Vial Gonzalez, Guillermo.—Plaza Bulnes 47, Depto. 62, Santiago. V I - 3 ; VIII-1. Vidrierfa Ferrari.—S. Bolfvar 440, Valparaiso. V I I - 3 ; VIII-4. Vidrierfas Unidas.—Sim6n Bolfvar 440, Valparaiso. I V - l ; V I I I - 4 . Viehoff, A d o l f o — MorandS 830 (Casilla 3411), Santiago. I V - 4 ; VIII-4. Vives R., Ramiro.—Jotabeche 137, Santiago. V—4; VIII-2. Von Bischoffshausen, Ernesto.—Ramirez 643, Osorno. Ill—2; V I I I - 2 . Von Griesheim, Werner.—Llewellyn Jones 1308, Santiago. I V - 6 ; V I I I - 2 . PART I 23 CHILE—Continued D eletions—continued Von Muhlenbrock L., Julio.—Yungay 760, Valdivia. II-3; VIII-2. Von Schultzendorff W., U.—Paseo Dimalow 135, Valparaiso; and Moneda 1590 (Casilla 9379), Santiago. IV-4; VII-1; VIII-1. Vorwerk & Co.—Casilla 42-V, Valparaiso; and Santiago. I; VIII-1. Weppelmann Koehne, Alberto.—Bandera 620, Santiago. I; VIII-5. Wistuba, Jos<5 Luis.—Puerto Montt. 1-2; VIII-2. Wittmann M., Guillermo.—Pasaje Matte 81, Santiago. Ill—1; VIII-4. Wittwer Erber, Carlos.—Illapel 84, Puerto Montt. IV-4; VIII-2. Wolff, Carlos—Avenida San Luis 88, Santiago. V-4; VIII-4. Wulle Krapht, Juan.—Quinta "El Progreso", La Cruz; and Independencia 2085 (Casilla 3157), Valparaiso. II-4; VIII-1. Yufer, Santiago.—Arauco 782, Chilian. IV-6; VIII-3. Zieleniewicz, Felix.—Casilla 1-A, Los Andes. II—3; VIII-1. Zimmer y Cia., A.—Bandera 172 y Agustinas 1126, Santiago. I; VIII-4. COLOMBIA Additions and Amendments Benenti, Juan.—Apartado Nacional 15-96, Bogota. IV-2; VIII-1. Burckhardt Caicedo, Eitel.—Pereira and Cali. VIII-2. Christiansen, Martin.—Popaydn, Cauca. IV-5; V-3; VIII-4 Comercial y Ganadera, Ltda., Cfa.—Bogota. VIII-5. Escobar Velez, Roberto (Dr.).—Calle 53 no. 45-104, Medellin VIII-5. Maldonado M., Guillermo.—Cali. VIII-2. Marello, Pedro.—Apartado Nacional 15-96, Bogota. IV-2; VIII-1. Marello y Cia—Apartado Nacional 15-96, Bogota. IV-2; VIII-1. Pfeififer, Hans A.—Bogota. VIII-2. "Radiopolis".—Medellin. VIII-3. Rasmussen, Ferdinand.—Cali and Cachipay. I; VIII-4. Valero Alcaraz, Carlos.—Cali. VIII-2. Vera, Gonzalo.—c/o Quimica Bayer, Medellin. VIII-5. Deletions Alliegro, Edmundo.—Progreso, San Juan, San Bias, Barranquilla. IV-3; VIII—4. Alliegro, Miguel.—Progreso, San Juan, San Bias, Barraiiquilix IV-3; VIII-4. AlmacSn Cali.—Cali. 1-1; VIII-4. Almac6n Coronet.—Carrera 7 No. 19-48 y Carrera 8 No. 13-93, Bogota V-4; VIII-1. Almacto Ferian.—Carrera 7 No. 19-42, Bogota. V-4; VIII-1. Almac6n Kruko.—Apartado 175, Cali. I; VIII-4. Almacdn " L a Gran Bretana".—Barranquilla. V-5; VIII-4. Almac£n Miresa.—Barranquilla. V-6; VIII-1. Almacgn Yoly.—Progreso, San Juan, San Bias, Barranquilla. IV-3; VIII-4. 625706°—45 4 24 PART I COLOMBIA—Continued Deletions—continued Annicchiarico, Oscar.—Riohacha. 1 - 3 ; VIII-2. Barletta, Bias.—Boyacd, La Paz y Progreso, Barranquilla. I - l ; VIII-1. Biancardi, Giovanni.—Bogota. I - l ; VIII-5. Bieler, Kurt.—Calle 13, No. 5-56, Cali. I; VIII-5. Bohmer, Harold.—Cali. I ; VIII-2. Bohmer, Herman S.—Cali. I; VIII-2. Bohmer y Cia., S.A.—Carrera 5a No. 12-65 (Apartado 317), Cali; and Pasto, Narino. I; VIII-2. Bonfante Pupo, Marco.—Cartagena. V I I - 4 ; VIII-4. Buitrago R., Miguel A.—20 de Julio, San Bias, Paseo Col6n, Barranquilla. I V - 4 ; VIII-3. Cacharreria Ben Hur.—Pereira. V I I - 4 ; VIII-5. Calder6n G., Rafael.—Carrera 6 No. 15-72, BogoU. V I - 3 ; VIII-3. Capasso, Miguel. — Bogota. I - l ; VIII-2. Capasso e Hijos, Ltda., NicoMs.—Apartado Nacional 745, Bogota. I - l ; VIII-2. Caputo, Alberto.—Avenida 3a de Bellavista, Calles 11 y 12, Barranquilla. V - I ; VIII-4. Caputo y Cia.-—Comercio, 20 de Julio y Cuartel, Barranquilla. I - l ; VIII-1. Castelli y Biancardi.—Bogota. I - l ; VIII-5. Celia, Antonio.—Bovacd, La Paz y Progreso, Barranquilla. I - l ; VIII-1. Celia, Barletta y Cia.—BoyacA, La Paz y Progreso, Barranquilla. I - l ; I V - 4 ; VIII-1. Colombiana de Inmuebles S.A., Cia.—Cartagena. I - l ; VIII-2. Colombiana Manufacturera Ltda., Soc.—Calle 24 No. 5-31, Bogota. 1 - 2 ; VIII-5. Consorcio Comercial.—Cali. I; VIII-2. Corso Villa y Cia. —Medellin. I V - 5 ; VIII-2. Cromogrdficas. —Bogota. I - l ; VIII-2. D'Amato, Emilio.—La Paz, Bolivar, Barranquilla. I V - 5 ; VIII-4. " E l Boliche".—Manizales. I V - 4 ; VIII-4. F^briea de Camisas "Imperial".—Calle 24 No. 5-31, BogoU. V - 4 ; VIII-5. Fdbrica de Pinturas y Productos Luqui S.A.—Apartado 437, Barranquilla. I - l ; VIII-1. Fdbrica de Sombreros "Colombia."—Barranquilla. I - l ; VIII-1. Fdbrica Italiana de Calzado.—Boyaca, La Paz y Progreso, Barranquilla. I - l ; VIII-1. "Faitald". —Boyacd, La Paz y Progreso, Barranquilla. I - l ; VIII-1. Ferrari, Riccardi & Ambrosi. —Monterfa & Calamar, Bolivar. I V - 5 ; VIII-1. Garage del Comercio.-—Comercio, Rib6n, Barranquilla. Ill—1; V I I I - 3 . G6mez, Horacio.—Medellin and Yarumal, Antioquia. II—1; V I I - 4 ; VIII-1. Gutierrez Portocarrero, Daniel.—Bogotd. I; VIII-3. Gutierrez Portocarrero, Henrique.—Carrera 8a No. 15-93, Bogota. I - l ; VIII-3. Hacienda Berlin.—Rio Negro. I ; VIII-1. Herndndez, Esteban.—Monteria, Bolivar. V - 6 ; VIII-1. Hotel Pacifico—Carrera 4 No. 13-101, Cali. 1 - 2 ; V I I I - 4 . Industria Sombreros Paconis S. en C.—La Paz, Bolivar, Barranquilla. I V - 5 ; VIII-4. PART I 25 COLOMBIA—Continued Deletions—continued Industrial Manufacturera Imperial Ltda., Soc.—Calle 24 No. 5-31, Bogota. I - 1 ; VIII-5. Kruse & Co., C. Enrique.—Apartado 175, Cali. I ; V I I I - 4 , "La Favorita".—Monterfa, Bolivar. V - 4 ; VIII-1. " L a Riohachera".— Riohacha. 1 - 3 ; VIII-2. Lagatta, Juan.—Villeta. V - 4 ; VIII-1. Litografia Italo-Francesa.—Bogota. 1-1; VIII-2. Lotero C., Leonidas.—Pereira. V I I - 4 ; V I I I - 5 . Madero Paris, Manuel.—Bogota. I; VIII-2. Mainero, Manuel.—Cartagena. 1 - 1 ; VIII-2. "Malta"-Salcedo y Cia.—Aduana, Calle 6a, Boston, Barranquilla. V - 6 ; VIII-2. Monti, Ferrugio.—Comercio, Rib6n, Barranquilla. Ill—1; VIII-3. Monti, Nullo.—Comercio, Rib6n, Barranquilla. Ill—1; VIII-3. Nasser Miguel.—Barranquilla. V - 5 ; VIII-4. Niinez Vargas, Emilio.—Apartado Nacional 648, Barranquilla. I; II—1; III—1; III—2; VIII-4. Obreg6n, Marta.—Comercio, 20 de Julio, Cuartel, Barranquilla. I V - 5 ; VIII-1. Ordonez & Lullemann.—Calle 13 No. 6-32, Cali. I; VIII-4. Otero, Victor.—Cali. I V - 5 ; VIII-2. Perico Garcia, Pascual.—Barranquilla. II—3; VIII-2. Piedrahita, Lucy.—Calle 24 No. 5-31, Bogota. V I - 1 ; VIII-5. Prada, Luis Fernando.—Avenida Colombia, Barranquilla. I V - 1 ; VIII-1. Ramirez Beltrdn, Manuel J.—Bogota. I; VIII-2. Regina, Emilio.—Carrera 9 No. 17-93, Bogota. I V - 6 ; VIII-3. Regina, Ludovino Vittorio.—Carrera 9 No. 17-93, Bogota. I V - 6 ; V I I I - 3 . Restaurante "Vittorio".—Carrera 9 No. 17-93, Bogota. I V - 6 ; VIII-3. Revollo Samper, Miluchy.—Real, 20 de Julio, Cuartel, Barranquilla. V - 6 ; VIII-1. Ritter, Adelbert.—Apartado 286, Medellin. I I - 2 ; VIII-4. Rose, Kurt.—Bogota. V - 5 ; V I - 1 ; VIII-2. Salvino y Cia., Alejandro.—Cucuta, Santander del Norte. 1 - 1 ; VIII-2. Saravalle, Augusto.-—Carrera 10 No. 20-41, Bogota; and Barranquilla. II—1; V - 6 ; V I I - 3 ; VIII-5. Saravalle, Cesare.—Carrera 10 No. 20-41, Bogota; and Barranquilla. II—1; V - 6 ; V I I - 3 ; VIII-5. Siegler, Otto.—Carrera 31 No. 33-22, Bucaramanga. 1-1; V-2; VIII-1. " S I M I " Sociedad Industrial Manufacturera Imperial Ltda.—Calle 24 No. 5-31, Bogotd. I—1; VIII-5. Sintonia—Medellin. I V - 5 ; VIII-2. "Sinvilla".—Medellin, V - 5 ; VIII-2, Tropical Bar.—20 de Julio, San Bias, Paseo Col<5n, Barranquilla. I V - 4 ; VIII-3. Villa V., Bernardo.—Medellin. V - 5 ; VIII-2. Villa V., Carlos.—Medellin. V - 5 ; VIII-2. Villa Hermanos.—Medellin. V-5; VIII-2. Von Griesheim, Werner.—Barranquilla. I; VIII-4. 26 PART I COSTA RICA Additions and Amendments Fux Rosenberg, Rafael.—San Jos6. VIII-1. Deletions Carreras Garcia, Juan.—Apartado 1997, San Jos6. V - 5 ; VIII-1. Castillo, Rigoberto—San Jos<5. I I - 2 ; I I - 3 ; VIII-3. Ferndndez Pefia, Rafael.—San Jose. I V - 5 ; VIII-1. Fournier Chac6n, Roberto.—Apartado 1227, San Jos<5. V - 5 ; VIII-1. "La Lonja" S.A.—San Jos<§. V - 5 ; VIII-1. Lapeira Carrasco, Rafael.—Apartado 616, San Josl. V - 5 ; VIII-1. Manhartsberger, Carlos.—San Jose. 1-1; VIII-1. 0b<5n Orellano, Ram6n.—San Jos(j. VI-5; VIII-1. Prado Pgrez, Edgardo—San Jose. I I - 2 ; I I - 4 ; I V - 6 ; VIII-3. CUBA Deletions Markin, Simon.—Galiano 257, Habana. V I I - 4 ; VIII-3. Su&rez Travieso, Antonio.—San Carlos 2, Loma del Chaple, Habana. VIII-3. XT—1; DOMINICAN REPUBLIC Deletions Ron Sudrez, Eduardo—Ciudad Trujillo. 1 - 2 ; VIII-2. ECUADOR Additions and Amendments Tauber, Miguel—Guayaquil. V I I - 3 ; VIII-1. Deletions Agendas Internacionales C.A.—Junin 216 (Casilla 1264), Guayaquil. I; VIII-5. Alemana de Agendas, C.A., " C I A L D A " , Cia.—Padre Aguirre 117 (Casilla 787), Guayaquil. I; I I I - 3 ; V ; VIII-5. Aliatis Poggi, Giovanni (Juan).—Manta. I V - 4 ; VIII-4. Almac^n " L a Fortuna".—Guayaquil. 1 - 2 ; VIII-5. Almerini, Fossati y Cia.-—Aguirre 202 (Casilla 345), Guayaquil. I—1; V; VIII-5. Altgelt, Hagen Ernesto Gerardo.—Quito. 1-2; I I ; VIII-2. Baldus, Otto.—Calacall. 1-2; V I I I - 4 . Beate, Bfo.—Quito. 1-2; VIII-2. PART I 27 ECUADOR—Continued Deletions—continued Beckmann, G.—Quito. 1 - 2 ; VIII-5. Berge, Wolf.—Riobamba. 1-2; VIII-5. Bergholz, Klaus.—P. Icaza 507, Guayaquil. 1-2; VIII-2. Besecke, Herbert.—Pedro Moncayo 718, Guayaquil. 1-2; V I I I - 2 Bittner, Rudolfo.—Avenida Nueve de Octubre, Guayaquil. 1-1; VIII-5. Bittner & Voegli.—Nueve de Octubre 203, Guayaquil. 1-4; V ; VIII-5. Bloenken, Heinrich.—Bolivar 725, Guayaquil. .1-2; VIII-5. Boche, Ernst K. Henry.—Guayaquil. 1-2; VIII-5. Bockeman, Hans.—Casilla 405, Guayaquil. 1 - 1 ; II; VIII-5. Bolte, Hugo.—Rumichaca 520, Guayaquil. 1-2; VIII-2. Boschetti, Tulio T.—Casilla 492, Quito. 1 - 1 ; VIII-4. Bossareck, Anton.— 1-2; VIII-2. Brachetti, Theodore.—Casilla 860, Quito; and Casilla 53, Guayaquil. I; VIII-2. Brandt, Cecilie.—Cuenca. I V - 4 ; VIII-5. Brauer Gehin Hermanos.—Guayaquil 60 (Casilla 687), Quito. I V - 3 ; VIII-5. Brevi, Elio.—Manta. V - l ; VIII-2. Brevi Gussago, Nunzio.—Manta. V I - 6 ; VIII-4. Carmigniani, Cesar.—Guayaquil. 1-2; II; VIII-5. Casa Alemana.—Garcia Moreno 69 (Casilla 394), Quito. I; II—5; V I I I - 5 . Casa Poppe.—Pichincha 343 (Casilla R), Guayaquil; and Bolivia 31 (Casilla 151), Quito. I V - 2 ; VIII-5. Casa Tagua S.A.-—Manta, and all branches in Ecuador. I; VIII-5. Cerfontaine, Dan H a n s — 1-2; IV-4; VIII-2. Chanange, Gustavo L.—Casillas 102 y 77, Guayaquil; and Riobamba. 1-2; II—3; V; VIII-2. " C I A L D A " Compania Alemana de Agencias, C.A.—Padre Aguirre 117 (Casilla 787), Guayaquil. I; V; VIII-5. Clementina Plantagengesellschaft.—Babahoyo; and Casillas 1291 y 1597, Guayaquil. I I - 5 ; V; VIII-4. Comercial "Delicias" S.A., Cia. An6nima.—Pichincha y Aguirre (Casilla 415), Guayaquil. V I - 2 ; VIII-4. Contag, Arturo.—Tomds Martinez 305 (Casilla 200), Guayaquil. I—1; VIII-2. Contag, Ernesto.-—Pasaje Perez, Quito. 1 - 1 ; VIII-5. Cuhne, Alfredo.—Maldonado. 1-2; VIII-2. Darr, Erwin—Guayaquil. 1-2; VIII-2. Deckert, Hans.— 1-2; VIII-2. Dehmlow, Alfredo.—Hacienda Quill&n (Casilla 89), Ambato. V - l ; V I I I - 5 . "Delicias" S.A.—Pichincha y Aguirre (Casilla 415), Guayaquil. V I - 2 ; VIII-4. Detken, Herman.—Quito. 1-2; VIII-2. Diesemreiter, Maria.—Quito. 1-2; VIII-2. Dirani M., Franco—Oriente 152, Quito. 1-2; III; VIII-2. Dorn, Helmut.—Guayaquil. 1-2; VIII-2. 28 PABT I ECUADOR—Continued Deletions—continued Dreier, Hermann. 1 —Garcia Moreno 69 (Casilla 394), Quito. I; II—5; IV; VIII-2. Duffer, Enrique.—Cuenca. I; 1 - 4 ; V ; VIII-5. Ebert, Fritz.—Casilla 1256, Guayaquil. I; VIII-5. Ehmig, Anton.—Quito. 1-2; VIII-2. " E l Nido".—Ambato. 1 - 2 ; V I I I - 5 . Ell, George.—Reptiblica 3, Quito. 1 - 2 ; VIII-2. Endemann, Hans.—Casilla 584, Guayaquil. 1-1; VIII-2. Erdelen, R u d o l f — P . Icaza, Guayaquil. 1-2; VIII-2. Ferrari, Herederos de Luis.—Malec6n Sim6n Bolivar 1702 (Casilla 126), Guayaquil. 1-1; V; VIII-5. Fossati, Luigi.—Aguirre 314 (Casilla 345), Guayaquil. 1 - 1 ; V; VIII-5. Funke, Richard (Walter).—Guayaquil. 1-2; VIII-2. Galeotti, Piero.—Junfn 410 (Casilla 1157), Guayaquil. 1-1; V; VIII-5. Gebel, George.—Quito. I V - 4 ; VIII-2. Gertlich, Conrad Otto.—Quito. 1-2; VIII-2. Giese, Erna.—Quito. 1-2; VIII-2. Giesel, Enrique.—Banos. 1-2; VIII-5. Griesbach & Roehl.—Pasaje Royal (Casilla 326), Quito. I; I I - 5 ; VIII-5. Grosse, Kurt—Cuenca. 1-2; V; VIII-2. Gubitz, Heinz Rudolf Friedrich—Quito. I V - 2 ; VIII-5. Gubitz & Schwark—Guayaquil 66 (Casilla 433), Quito. I; I I - 5 ; V I I I - 5 . Hacienda Clementina.—Babahoyo; and Casillas 1291 y 1717, Guayaquil. I I - 5 ; V; V I I I - 4 . Haller, Paul.—Avenida Olmedo y Eloy Alfaro, Guayaquil. 1-2; V I I I - 2 . Haller, Paul (Mrs.).—Guayaquil. 1 - 2 ; V; VIII-2. Harms, Siegfried—Chile 309, Guayaquil. I; VIII-5. Harten Weber, Wolfgang.—Manta and Cuenca. I V - 6 ; VIII-2. Hartsch, Carlos.—Colegio Alemfo, Quito. 1-2; VIII-2. Haus, H. A.— 1-2; VIII-5. Heed, Ernest—Guayaquil. 1-2; VIII-2. Heintze, Sefiora de.—Colegio Alem&n, Quito. 1-2; VIII-2. Herzogg, Hans Dietrich.—Quito. 1-2; VIII-5. Hille, Otto (Dr.).—Ambato. 1-2; VIII-5. Hirtz, Carlos.—Pasaje Royal, Quito. 1-2; VIII-2. Hoelldorfer, Kurt.—Panamd y Junfn, Guayaquil. 1-2; VIII-5. Huttner, Johann Karl.— 1-2; VIII-2. Industrial Beco C.A., Soc.—Casilla 8, Manta. I; VIII-5. Industrial Corozo Ecuador, S.A.—Manta. I; VIII-5. Industrias Textiles S.A., Soc—Ascdsubi 14, Quito. I; I I - 5 ; V I I ; V I I I - 5 . Isenberg, Irma Schnoor.—Ambato. 1-2; II; VIII-2. Italiana Scambio Prodotti Estero, Societa.—Manta. V I - 2 ; VIII-5. Jungnickel, Paula.—Avenida Col6n 458, Quito. 1-2; V I I I - 5 . Juris, Carlos.—Mercado Central o Mourge6n 24, Quito. 1-2; V I I I - 5 . Kehrer, Wilhelm.—Salinas. 1-1; VIII-2. Kiederle, Frederico.— 1-2; VIII-2. ' Not to be confused with the Hermann Dreier, Casilla 577, Quito, who was associated with Jacobo Vorbeck. PART I 29 ECUADOR—Continued Deletions—continued Kiederle, George.—Mera. 1-2; VIII-5. Klaere, Adolfo.—Salinas. I - l ; VIII-5. Klein, Arturo—Quito. 1-2; VIII-5. Konitzer, Willy.— 1-2; VIII-2. Kruger, Lottie (Mrs. J. H.).—Guayaquil. I I - l ; VIII-2. Kruger, Viuda y Herederos de J. H.—Guayaquil. I; VIII-5. Kudajewsky, Paul.— 1-2; VIII-2. Kunze, Albert Julius Robert.— 1-2; VIII-2. La Casa Wiking S.A.—Venezuela 97 (Casilla 556), Quito. I; I I - 5 ; VIII-5. Langpap, Walter Paul.—Bat&n Road, Quito. 1-2; VIII-2. "Las Delicias".—Pichincha y Aguirre (Casilla 415), Guayaquil. VI-2; VIII-4. Lindner, Erich.—Quito. 1-2; VIII-2. Linz, Alfredo—Quito. 1-2; VIII-5. Linz, Juan.—Quito. 1 - 2 ; VIII-5. Lisken von Reuter, Gunther Otto.—Gran Colombia 340, Cuenca. 1-2; V; V I - 4 ; VIII-5. Loeschner, Heinrich.—Pasaje Royal, Quito. 1-2; VIII-2. Lorentzen, Walther.—Miraflores Road, Ambato. 1-2; II; VIII-2. Mahnke, Kurt.—Cuenca. IV-6; VIII-2. Marotzke, Hans.—Calicuchima 319, Guayaquil. 1-2; VIII-2. Mateju, Eugenia.—Mejia 27, Quito. 1-2; VIII-5. Mauer, Oscar Max.— 1-2; VIII-2. Moebius, Gunther Rudolf.—Colegio Alemdn, Quito. 1-2; VIII-2. Moller, Gustavo.—Casilla 930, Guayaquil; and Calles Bolivia y Venezuela, Quito. I; VIII-5. Moller, Hermann.—Casilla 930, Guayaquil; and Calles Bolivia y Venezuela, Quito. I; VIII-5. Moller Martinez, Federico Guillermo.—Casilla 930, Guayaquil; Calles Bolivia y Venezuela, Quito; and Virrey Blasco Nunez de Vela 27, Quito. I; V I - 1 ; V I - 2 ; V I I I - 5 . Nickel, Gurte August Hans Ernst.—Esmeraldas. 1-2; VIII-2. Nickelsen, Albert—Machachi. 1-2; II; VIII-5. Obermeyer, Richard Walter.—Cuenca. V I - 3 ; VIII-2. Paffrath, George.—Carri<5n 7 y 9 de Octubre, Quito. 1-2; VIII-2. Panse, Arnold.—Guayaquil. I; 1-4; VIII-5. Panse, Eduardo.—Casilla 787, Guayaquil; Padre Aguirre 217 y Benigno Malo 172, Cuenca. 1 - 2 ; V; V I - 4 ; VIII-5. Panse, Ernesto.—Casilla 787, Guayaquil; Padre Aguirre 217 y Benigno Malo 172, Cuenca. I; V; V I - 4 ; VIII-5. Panzer, Ferdinand.— 1-2; VIII-2. Partmuss, Frederico Pablo.—Quito. 1-2; VIII-5. Pensi6n Sibarita.—Quito. 1 - 2 ; VIII-5. Pensi6n Suiza-Alemana.—Banos. 1 - 2 ; VIII-5. Pernigotti, Ernesto.—Casilla 1100, Guayaquil. I - l ; VIII-4. Peters, Erich Christian.—Imbabura 110, Guayaquil. 1-2; I I - 5 ; V; VIII-2. Petruska, Juan.—Ambato. I I - 5 ; VIII-5. 30 PART I ECUADOR—Continued Deletions—continued Piepetz, Maxililian Franz C.—Carri6n 26, Quito. 1 - 2 ; V I I I - 5 . Rap y Galeotti.—Pichincha 514 (Casilla 1157), Guayaquil. I—1; V; VIII-5. Ridder, Heddy.—Quito. 1 - 2 ; V I I I - 5 . Roehl, Paul.—Avenida 12 de Octubre, Quito. 1 - 2 ; V I I I - 5 . Rueff, Gertrudis de.— 1 - 2 ; VIII-5. Ruperti, Arturo.—Guayaquil; and Cuenca. 1 - 2 ; V ; VIII-5. Plantaciones Clementina, Cia. de.—Casilla 1291, Guayaquil. II—6; V I I I - 4 . Ponto, Roberto.—Bahia de Cardquez. I ; I V - 4 ; VIII-2. Raffo Bollo, Mario.—Eloy Alfaro 317, Guayaquil. I V - 6 ; V I I I - 4 . Razzini, Enrico.—Quito. 1 - 2 ; VIII-2. Reimers, Hans Ferdinand Eduard.—Guayaquil. 1 - 2 ; VIII-2. Roeseler, Fritz.—Quito. 1 - 2 ; I I ; VIII-2. Ruffilli, Aldo.—Chile y Avenida Olmedo, Guayaquil; and Cuenca. 1 - 2 ; V ; VIII-4. S.A.I.C.E., Sociedad An6nima Industrial Corozo Ecuador.—Casilla 49, Manta. V - l ; VIII-5. S.I.S.P.E., Societa Italiana Scambio Prodotti Estero.—Manta. VI-2; VIII-5. Saalmann y Cia.—Casilla 1130, Guayaquil. I ; VIII-5. Sacklowski, Wilhelm.—Colegio Alemdn, Quito. 1 - 2 ; I I ; VIII-2. Sacklowski, Wilhelm (Mrs.).—Quito. 1 - 2 ; I I ; VIII-5. Sal6n "Viena".—Garcia Moreno 47, Quito. I I I - 2 ; VIII-5. Salvestroni, Pietro.—Calle Roca, Quito. 1 - 2 ; VIII-5. Schiller, Friedrich,—Guayaquil. 1 - 2 ; VIII-2. Schlundt, Friedrich.—Ambato. 1 - 2 ; VIII-5. Schmidt Hagius, Wolfgang.—Casilla 737, Guayaquil; and Hacienda San Jacinto, Santa Rosa, El Oro. 1 - 2 ; I V - 5 ; V I - 4 ; VIII-2. Schmidt, Hermann Willi.— 1-2; VIII-2. Schneider, Gustavo—Quito. 1-2; VIII-2. Schneider, Lillian (Mrs.).—Guayaquil. 1-2; VIII-2. Schroeder, Otto.—Sim6n Bolivar 401, Guayaquil. I ; VIII-2. Schwalbe, Enrique.—Quito. 1 - 2 ; VIII-5. Schwalbe, Katarina.—Quito. 1-2; VIII-5. Schwalbe, Reinaldo—Quito. 1 - 2 ; VIII-5. Schwarmann, Heinrich.—Guayaquil. 1 - 2 ; VIII-2. Schwarz, Otto.—Callej6n Villamil (Casilla 564), Guayaquil; and Cuenca. I; V ; VIII-5. Scotoni, Edv/in.—Quito. 1 - 2 ; VIII-5. Scotoni, Hilda Maria—Quito. 1-2; VIII-5. Sebelefsky, W.—Casilla 1101, Guayaquil. 1 - 1 ; VIII-5. Seixas, Humbert.—Cuenca and Manta. I V - 6 ; VIII-2. Shoemaker, Peter.—Guayaquil. 1 - 2 ; VIII-2. Slaviero, Aldo.—Calle Gonzalo Pizarro, Quito. 1 - 2 ; VIII-5. Slaviero, Mario.—Calle Gonzalo Pizarro, Quito. 1-2; V I I I - 5 . Sonnenholzner, Georg.—Guayaquil. 1 - 2 ; I I ; VIII-2. Stamer, Emilio.—Guayaquil. 1 - 2 ; VIII-5. Stamer & Co.—Guayaquil. I; VIII-5. Stuis, Anton.— 1 - 2 ; VIII-2. PART I 31 ECUADOR—Continued Deletions—continued Talleres Rex.—Imbabura 110, Guayaquil. V - l ; VIII-5. Tanzler, Willi Bauer.—Guayaquil and Ambato. I V - 5 ; VIII-2. Tettke, Edgar.—Hurtado y Tungurahua 1000 (Casilla 318), Guayaquil. 1 - 2 ; V; VIII-5. Thorn, Kurt.— 1 - 2 ; VIII-2. Ultramares Trading Co., S.A.—Casilla 1328, Guayaquil. I ; VIII-5. Van Denzen, Wilhelm. 2 —Parroquia Samborond6n, Provincia de Guayas. I V - 5 ; VIII-2. Von Baumbach, Horst Dietrich—Quito. 1 - 2 ; VIII-2. Von Hartrodt, Martha viuda de.—Quito. 1 - 2 ; VIII-2. Weber, Ludwig.—Riobamba. 1 - 2 ; VIII-5. Weinelt, Emilio.—Quito. 1 - 2 ; VIII-2. Wickenhauser, Julio.—Pedro Moncayo 1347 (Casilla 346), Guayaquil. 1 - 1 ; V; VIII-4. Wiesner, Senora de.—Colegio Alemdn, Quito. 1 - 2 ; VIII-2. Will, Pankratz—Guayaquil. 1 - 2 ; V; VIII-2. Winkler, Hans.—Colegio Alemdn, Quito. 1 - 2 ; VIII-2. Wosadtka, Juan.—Quito. 1 - 2 ; VIII-2. Wosadtka, Maria.—Legacifin Alemana, Quito. 1 - 2 ; V I I I - 2 . Zang, Carlos E.—Casilla 692, Quito. I; VIII-4. Zeller, Alfredo—Quito. 1 - 2 ; VIII-5. Zimmerman, Otto—Quito. 1 - 2 ; VIII-2. Zweigert, Hans Hugo—Quito. 1 - 2 ; II; VIII-5. ! Also known as Guillermo or Willi van Denzen. EL SALVADOR Deletions Alegre P1&, Emilio.—4a Avenida Norte y Calle Delgado, San Salvador. I V - 4 ; VIII-3. Balseiro Cabafias, Jesus Santiago.—18 Avenida Norte y Calle de Concepci6n, San Salvador. I V - 4 ; VIII-4. El Aguila.—18 Avenida Norte y Calle de Concepci6n, San Salvador I V - 4 ; VIII-4. F&brica de Artfculos de Piel.—4a Avenida Norte y Calle Delgado, San Salvador. I V - 4 ; VIII-3. Farmacia " N o r m a l " . — l a Avenida Sur y 4a Calle Poniente, San Salvador. 1 - 3 ; VIII-1. Koessler, Willi— Arce 37, San Salvador. Ill—1; V I I I - 3 . " L a Alpina".—Calle Delgado, Edificio Letona, San Salvador. I; VIII-4. Oertel, Elia Lainez de.—Delgado 23, San Salvador. Ill—1; VIII-1. Oertel, Erich.—Delgado 23, San Salvador. Ill—1; VIII-1. Oertel y Cia., Pablo.—Delgado 31, San Salvador. I; VIII-1. Oertel y Cia., Sociedad Colectiva.—Delgado 23, San Salvador. Ill—1; VIII-1. 625706°—45 5 32 PART II EL SALVADOR—Continued Deletion s—continued Salandra Hermanos.—4a Avenida Norte 2, San Salvador. I—1; V I I I - 4 . Santimone y Cfa., Generoso.—la Calle Poniente 7, San Salvador. 1 - 1 ; VIII-3. Sessa, Gaetano.—Jucuapa. I ; VIII-3. Zelaya, Salvador (Dr.).—la Avenida Sur y 4a Calle Poniente, San Salvador. 1 - 3 ; VIII-1. Zelaya & C o — l a Avenida Sur y 4a Calle Poniente, San Salvador. 1-3; VIII-1. HAITI Deletions Haehner, George.—Rue Roux, Port-au-Prince. 1-1; VIII-1 HONDURAS Deletions Brito, Jorge.—San Pedro Sula. I ; VIII-1. Fdbrica de Camisas "Duxor".—Calle Real, Comayaguela. Paz & Co., J.—San Pedro Sula. I; VIII-1. Vairo, Luis.—Comayaguela. II—1; VIII-1. II—1; VIII-1. MEXICO Additions and Amendments Horn, Pablo L.—Avenida de la Paz 1099 (Apartado 313), Guadalajara, Jalisco. V - 5 ; VIII-5. Amended from Horn, Pablo.—Guadalajara, Jalisco. Nagabuchi, Shoroku.—Bucareli 8, Mexico, D.F. I; VIII-2. Veerkamp, Alfredo.—Otra Banda 74, Mexico, D.F. VIII-4. Veerkamp, Federico A.—Parque Central 3, Mexico, D.F. VIII-4. Deletions Aceros Finos—Isabel la Catolica 87, Mexico, D.F. I V - 6 ; VIII-4. Agencia Internacional de Librerfa y Publicaciones.—Avenida Uruguay 10, Mexico, D.F. I; VIII-4. Agencia Mexicana de Representaciones.—Avenida Bucareli 38-2, Mexico, D.F. I; VII; VIII-4. Agencia Qufmica y Mercantil, S. de R.L.—Apartado 2, Mexico, D.F. I; I V - 4 ; VIII-4. Ahlborn, Ernesto A.—Isabel la Cat<51ica 87, Mexico, D.F. I V - 6 ; VIII-4. Ahns, Gottfried.—Paseo de la Reforma 36, Mexico, D.F. 1 - 2 ; VIII-5. Arceo R., David.—Calle 58 No. 501-A, M6rida, Yucatdn. II—1; VIII-5. Arima y Nagaya.—Huixtla, Chiapas. I V - 6 ; VIII-5. Babatz, Guillermo E.—Abasolo 954, Monterrey. 1-4; VIII-5. PART I 33 MEXICO—Continued Deletions—continued Badelt, Max.—Glorieta Valverde 223, Mexico, D.F. V - 5 ; VIII-4. Bader, Hans.—Dr. Velasco 162, Mexico, D.F. V - 5 ; VIII-4. Baez, Raul.—Obrero Mundial 29, Mexico, D.F. II—1; VIII-5. Bahnsen, Francisco.—Arturo 38, fcxico, D.F.; and Tapachula, Chiapas. V - 5 ; VII; VIII-4. Bahnsen, Johann Heinrich.—Jimenez 145 Norte, Monterrey. I; VIII-5. Baring, Curt.—Apartado 991, Mexico, D.F. 1 - 2 ; VIII-5. Bartelman, Juan.—Veracruz, Veracruz. V - 5 ; VIII-4. Bassi, Gian Franco (Dr.).—Mexico, D.F. V-5; VIII-4. Baumgartner, Juan.—Avenida Uruguay 10, Mexico, D.F. V - 3 ; VIII-4. Beschoren, Juan.—Ver&stegui 16 (Apartado 20), Rioverde, San Luis Potosi. I V - 6 ; VIII-4. Bindell, Werner.—Tizapiln 213, Mexico, D.F. V - 5 ; VIII-4. Boehm, Federico.—Venustiano Carranza 40, Mexico, D.F. I; VIII-4. Bokallo, Pedro—Avenida Parques 178, Mexico, D.F. V - 3 ; VIII-4. Bolbrugge, Christopher—Gelati 43, Mexico, D.F. I ; V I I I - 4 ; V I I I - 5 . Boll, Pablo.—Salina Cruz 42, Mcxico, D.F. V - 5 ; VIII-4. Bopp, Juan Jos<§ (Dr.).—Uruguay 77, Mcxico, D.F. I; VIII-5. Bosch, Hans George—Durango 283, Mexico, D.F. V - 5 ; VIII-4. Bosse, Augustin.—Navojoa. 1-3; VIII-5. Bostelmann, Gualterio.—Guadalajara, Jalisco. V - 5 ; VIII-4. Boston, S. A.—Uruguay 76, Mexico, D.F. I; VIII-5. Botica "La Palma", S.A.—Avenida Hidalgo 1518 Poniente, Torre6n. 1 - 2 ; VIII-4. Botica Moderna.—Chihuahua. I - l ; VIII-4. Brandenburg, Paul.—Puebla, Puebla. V - 5 ; VIII-4. Brandt, Carlos.—Mexico, D.F. V - 5 ; VIII-4. Braun, Erich C.—Mexico, D.F. V - 5 ; VIII-4. Bredee, Gunther.—Mazaryk 360, Mexico, D.F. V - 5 ; VIII-4. Bredee, Rolando—Ernesto Elorduy 3, Mexico, D.F. V - 5 ; VIII-4. Brehme, Arno Hugo.—Francisco Garcia Conde 27, Tacubaya, D.F. II—1; II—3; I V - 3 ; VIII-4. Bremer, Elsa (Mrs.).—Apartado 116, Monterrey. 1 - 4 ; VIII-4. Brunssen, Guillermo.—Avenida Dr. Pasteur 13 y Venustiano Carranza 23, Mexico, D.F. I; I V - 5 ; VIII-4. Budscheweit, Carlos.—Independencia 214, Veracruz. I V - 6 ; VIII-4. Burmex, Soc. de Resp. Ltda.—Judrez 56 y Sierra Nevada 415a, Lomas de Chapultepee (Apartado 2872), Mexico, D.F. I; VIII-3. Caelius, Ernesto.—Calzada de los Leones 46, Mexico, D.F. V - 5 ; VII; VIII-4. Campanella Hermanos.—Gante 15, Mexico, D.F. II—1; VIII-4. Carillo, Miguel.—Tacuba 14, Mexico, D.F. I - l ; VIII-5. Carreras Garcia, Juan.—San Juan de Letrdn 41, despacho 218; y Palma 10, despacho 15, Mexico, D.F. V - 6 ; V I I - 5 ; VIII-1. Casa Astra.—Venustiano Carranza 40, Mexico, D.F. I; VIII-4. Casa Brunssen, S.A.—Avenida Dr. Pasteur 13 y Venustiano Carranza 23, Mexico, D.F. I; I V - 4 ; VIII-4. 34 PART X MEXICO—Continued Deletions—continued Casa Eleetrica de Torre6n.—Valdez Carrillo 415 Sur, Torre6n. 1 - 1 ; V I I I - 4 . Casa Electrica de Veracruz.—Independencia 214, Veracruz. I V - 6 ; V I I I - 4 . Casa Korting.—Ignacio Mariscal 133, Mexico, D. F. I; V I - 6 ; V I I I - 5 . Casa May.—Mexico, D.F. I; VIII-5. Casa Niekler—Avenida Morelos 91, Mexico, D.F. I V - 6 ; V I I I - 4 . Casa Plate, S. de R.L.—Uruguay 21 (Apartado 955), Mexico, D.F. I; V I I - 2 ; VIII-5. Casa Wettstein, S.A.—Avenida Uruguay 5, Mexico, D.F. I; V I I I - 4 . Cerritos Comercial, S.A.—Cerritos, San Luis Potosi. 1 - 3 ; V I I I - 4 . Clever y Lassmann, Sucr., S.A.—Bolivar 45, Mexico, D.F. I; V I - 5 ; V I I I - 5 . Comercial Dahlhaus, S. de R.L., Cia—Mexico, D.F. 1 - 1 ; V I I I - 4 . Comercial de Mazatldn S.A., Cia.—5 de Mayo 166, Mazatldn, Sinaloa. I—1; V I I I - 4 . Comercial Sankyo, S. de R.L., Cia.—Mexico, D.F. I ; VIII-5. Comisiones S.A.—Mexico, D.F. I; V I - 1 ; VIII-5. Culin y Cia.—Salina Cruz. 1 - 2 ; VIII-5. Dahlhaus y Cia.—Apartado 862, Mexico, D.F. I; VIII-4. Deggau, Jarl.—Ayuntamiento 133-9, Mexico, D.F. V - 5 ; V I - 6 ; V I I I - 4 . De la Para, Jorge O.—Uruguay 10, despacho 9, Mexico, D.F. 1 - 2 ; V I I I - 4 . Deportes del Noroeste.—21 de Marzo 202, Mazatldn, Sinaloa. 1 - 1 ; V I I I - 4 . Desebroock, Otto Wilhelm.—Mexico, D.F. V - 5 ; V I - 6 ; V I I I - 4 . Dode, M.—Pirdmide 29, Col. Claveria, Mexico, D.F. 1 - 3 ; VIII-5. Doering, Heinrich.—Avenida 2 No. 159, San Pedro de Los Pinos, D.F. V-6; VIII-5. Dohrman, Herman.-—Minatitldn. 1 - 2 ; VIII-3. Dorner, Hermann.-—Guadalquivir 84, Mexico, D.F. I; V I I ; V I I I - 5 . Duerkop, Eric.—Avenida 3 No. 284, San Pedro de los Pinos, Mexico, D.F. V - 5 ; VIII-4. Edelman, H.—Huixtla. 1 - 2 ; VIII-2. Eindorf, Heinz.—Cuauhtemoc 27-A, Mexico, D.F. V - 5 ; V I I I - 4 . "El Celuloide".—M6xico, D.F. 1 - 3 ; VIII-5. Empacadora Rico, S. de R.L. y C.V.—Mayorazgo 1219 (Apartado 8807), Mexico, D.F. II—3; VIII-5. Enkerlin, Ernesto.—San Juan de Letrdn 81, Mexico, D. F. II—3; V I I I - 5 , Equipos para Oficinas, S.A.—Avenida Judrez 56, Mexico, D.F. I; VIII-3. Fdbrica de Lactosa Shill.—Colonia Dubldn, Chihuahua. I I - 3 ; V I I I - 4 . Farmac6utica Nacional, S.A.—Uruguay 45, Mexico, D.F. 1 - 2 ; VIII-5. Farmacia Central.—Tapachula, Chiapas. 1 - 1 ; VIII-5. Farmacia Judrez.—Chihuahua. I; V I I I - 4 . Farmacia Moderna.—Chihuahua. I; VIII-4* Farmacia Plaza.—Zuazua y Morelos, or Zuazua 943 Sur, Monterrey. I; VIII-4. Farmacia Salvador.—Avenida Hidalgo 1320 Poniente, Torre6n. 1 - 2 ; VIII-4. "Farmamex" Productos Farmacduticos, S.A.—Apartado 1257, Mexico, D.F. I; V I - 2 ; VIII-5. Ferreteria Alemana.-—Oaxaca, Oaxaca. I V - 6 ; VIII-4. Ferreteria " E l Gallo".—Reforma 302, Tehuacdn, Puebla. I V - 6 ; VIII-4. PART I 35 MEXICO—Continued Deletions—continued Ferreteria " E l Globo".—Apartado 20, Rioverde, San Luis Potosi. I V - 6 ; VIII-4. Ferreteria "La Palma".—Uruapan, Michoacdn. 1 - 3 ; V - 2 ; VIII-4. Ferreteria "La Palma", S.A.—Morelia, Michoacdn. 1 - 3 ; III; V - 2 ; VIII-4. Ferreteria La Palma, S.A. de C.V.—Avenida Col6n y L6pez Cotilla, Guadalajara. I; 1 - 4 ; V - 2 ; VIII-5. Ferreteria Uruapan.—Uruapan, Michoacdn. I V - 6 ; VIII-4. Fiehn, Ulrich.—Chihuahua. I; V I I I - 4 . Fischer, Carl Martin.—Uruguay 76, M&rico, D.F. I; V I - 6 ; VIII-5. Frese, K.—Sultepec 17, Mexico, D.F. V - 5 ; VIII-4. Frese, Reinaldo.—Puebla, Puebla. V - 5 ; VIII-4. Friedrich, Erwin.—Liszt 17, Mexico, D.F. V - 5 ; VIII-4. Friedrich, Pablo.—Esquina Historiadores y Comunal, Villa Obreg6n, Mexico, D.F. V - 5 ; VIII-4. Friedrich, Walther.—Alzate 109, M6xico, D.F. V - 5 ; VIII-4. Friedrich, Walther.—Champot6n 19, Mexico, D.F. V - 5 ; VIII-5. Friedrich, Wilhelm.—Avenida Castillo 130, Mexico, D.F. V - 5 ; VIII-4. Friese, Bruno.—Edificio Condesa V. 7, Mexico, D.F. I ; VIII-4. Frisch, Herbert.—Alvarez 253 Sur, Monterrey. I; VIII-5. Gadke, Hellmuth.—J. Ferndndez 7, Mexico, D.F. V - 5 ; VIII-4. Gagstatter, Herman.—Salina Cruz. 1-2; VIII-5. Garbreacht, Guillermo.—Torre6n. V - 5 ; VIII-4. Garcia Hermanos.—Col6n 467 Poniente, Monterrey. I ; VIII-5. Gertz, Cornelius B.—Jalapa 12, Mexico, D.F. V - 5 ; VIII-1. Gertz, Jose Cornelio.—Paseo Reforma 105, Mexico, D.F. I—1; V - 4 ; VIII-2. Goerling, Dora Lehmann de.—Bolivar 23, Mexico, D.F. 1 - 1 ; VIII-4. Goerner, Carlos.—J. M. Tornel 12, Mexico, D.F. V - 5 ; VIII-4. Goldhammer, Arno.—Avenida 15 de Mayo 1745 Poniente, Monterrey. I; VIII-5. G6mez, Miguel.—Avenida Uruguay 54 (Apartado 2882), M6xico, D.F. 1-2; VIII-5. Grave, Hermann.—Torre6n. I V - 6 ; VIII-4. Grebe, Federico.—Mexico, D.F. I; V - 3 ; VIII-4. Grossman Escalante, Heriberto.—Ignacio Zuazua 10, Mexico, D.F. 1 - 2 ; VIII-5. Grossman, Pablo.—Zuazua 10 (Apartado 8702), Mexico, D.F. I; VIII-5. Guenther, Arturo.—Mexico, D.F. V - 5 ; VIII-4. Gumbler, Jorge.—General Prim 57, Mexico, D.F. I; VIII-5. Haeberle, Werner.—Zurich, Mexico, D.F. V - 5 ; VIII-4. Hajen, Ernesto.—Avenida Morelos 546 Oriente, Monterrey. I; VIII-5. Hallman, Jorge.—Providencia 825, Mexico, D.F. V - 5 ; VIII-5. Hausmann, Walter.—Insurgentes 303, Mexico, D.F. I I - 3 ; V - 5 ; V I I - 4 ; VIII-4. Haydt, Gustav.—Mexico, D.F. V - 5 ; VIII-4. Heitsch, Werner.—Durango 283, Mexico, D.F. V - 5 ; V I I I - 4 . Hellig, Waldemar.—Alvarez 109 Norte, Monterrey. I; VIII-5. Hentschel, Carlos.—Puebla, Puebla. V - 5 ; VIII-4. Hermann, H.—Mexico, D.F. V - 5 ; VIII-5. 36 PART I MEXICO—Continued Deletions—contii med Hermann, Julio.—Avenida 16 de Septiembre 52 (Apartado 831), Mexico, D.F. I; VIII-5. Hermkes, Joseph.—Mexico, D.F. I; VIII-4. Hernandez, Julian.—Apartado 318, Mexico, D.F. 1-2; VIII-4. "Heromex".—Mexico, D.F. I; VIII-4. Herrasti Amaya, Adolfo.—Apartado 2110, Mexico, D.F. I—1; VIII-5. Herrasti & Co., Adolfo—Mexico, D.F. 1-1; VIII-5. Herschfeld, Pablo.—Mexico, D.F. V-5; VIII-4. Hesch, Erich.—Mexico, D.F. V-5; VIII-4. Hesch, Wolfgang.—Mexico, D.F. V-5; VIII-4. Hesselmann y Cfa., S. de R. L.—Uruguay 26 (Apartado 567), Mexico, D.F. 1-2; IV; VIII-5. Heuer, Adolf— Revillagigedo 8, Mexico, D.F. I; VIII-4. Heyn, Kurt.—Oklahoma 36, Mexico, D.F. V-5; VIII-4. Hochstrasser, Albert.—Mexico, D.F. V-5; VIII-4. Hoffmann, Pablo—Verdi 139, Mexico, D.F. V-5; VIII-4. Holler, Hans.—Acueducto 609, Colonia del Valle, Mexico, D.F. IV-6; VIII-4. "Holmex".—Acueducto 609, Colonia del Valle, Mexico, D.F. IV-6; VIII-4. Homberg, Martha Lehman de.—Marfa Luisa 37 (Apartado 2672), Mexico, D.F. I—1; VII; VIII-4. Homberg, Werner.—Marfa Luisa 37 (Apartado 2672), Mexico, D.F. 1-1; VI-6; VIII-4. Humboldt, Alexandro.—Edificio Banco de Mexico, Mexico, D.F. 1-2; VIII-5. Huthoff, Juan.—Tapachula, Chiapas. IV-6; VIII-2. Huwald, Max Herbert.—Mexico, D.F. V-5; VIII-4. "IMCO".—General Prim 57, Mexico, D.F. I; VIII-4. Importaciones Andrade, S. de R.L.—Avenida Uruguay 19, Mexico, D.F. I; VIII-5. Importadora de Maquinaria, Cfa.—San Juan de Letran 24 (Apartado 756), Mexico, D.F. I; VIII-4. Jaspersen, Adolfo.—Puebla, Puebla. V-5; VIII-4. Kempe, Rodolfo—Torreon. V-5; VIII-4. Kentzler, Walther—Granados 30, Mexico, D.F. V-5; VIII-5. Kiehnle, Constantino.—M6xico, D.F. V-5; VIII-4. Kiel, Horst.—Avenida Bucareli 38-2, Mexico, D.F. I; VII; VIII-4. Kientzle, R. T—Torreon. 1-1; VIII-4. Kiessler, P., Fritz—Apartado 2009, Mexico, D.F. 1-1; VIII-5. Kilbert, Erich.—Chapala Sur 774, Mexico, D.F. V-5; VIII-4. Kitscha, Emil.—Mexico, D.F. V-3; VIII-4. Klein, Guillermo.—Argovia. 1-2; VIII-5. Klett, Federico— Nilo 52, Mexico, D.F. II-3; VIII-5. Klingbeil, Hans—Calle del Fresno 36, Villa Obreg6n, Mexico, D.F. 1-3; VI-3; VIII-5. Klinkisch y Cfa., Pablo.—Palma 38, Mexico, D.F. 1-1; VIII-4. Klint, Harald.—Marfa Luisa 2, Mexico, D.F. V-5; VIII-4. PART I 37 MEXICO—Continued Deletions—continued Koch, Arturo.—Washington 444 Poniente, Monterrey. 1 - 4 ; I V - 4 ; VIII-5. Koehler, Jorge Ernesto.—Avenida Centenario 10, Tampico. I - l ; VIII-5. Kondring, Federico.—Irapuato 8, Mexico, D.F. V - 5 ; VIII-4. Kreglinger, Alberto.—Oaxaca, Oaxaca. I V - 6 ; VIII-4. Krieger y Cia.—Luis Moya 49-bis, Mexico, D.F. I; V I - 3 ; VIII-5. Kruse, Ernesto L.—Venustiano Carranza 94, Mexico, D. F. 1-3; V I I I - 5 Kruse, Guy P.—Belgrado 19-9, Mexico, D.F. 1-4; V I I ; VIII-5. Kuhn, Erwin—Rubens 42, Mexico, D.F. V - 5 ; VIII-4. Kuhne, H. W.—Colonia Anahuac, Cervantes y Saavedra y Lago Brenne (Apartado 45 bis), Mexico, D.F. I V - 6 ; VIII-5. Kuhne, Paul.—San Carlos 7, Mexico, D.F. V - 5 ; VIII-4. Kullick, Ernesto.—Monterrey. I V - 6 ; VIII-5. Kuster, Federico.—Torre6n. V-5; VIII-4. "La Campana".—Pasteur 303 Norte, Durango. 1-2; VIII-4. La Distribuidora de Cerveza S.A.—Navojoa. 1-3; VIII-5. La Industrial, S. de R.L.—Revillagigedo 65, Mexico, D.F. I V - 6 ; VIII-4. La Industrial Tecnica, S.A.—Articulo 123 No. 81, Mexico, D.F. I V - 6 ; VIII-5. "La Palma", S.A.—Morelia, Michoacdn. V I I - 3 ; VIII-5. "La Paloma" Negociaci6n en Ferreteria y Maquinaria, S.A.—Isabel la Cat61ica 59 (Apartado 2761), Mexico, D.F. I; VIII-5. "La Pletera" S.A.—Mesones 41, Mexico, D.F. I - l ; VIII-4. "La Providencia".—Orizaba. II—3; VIII-4. La Suministradora S.A.—Isabel la Catolica 24, Mexico, D.F. I - l ; VIII-5. "La Voz del Pueblo".—MazatlAn. I; VIII-4. Laboratories Madame Clare S. de R.L.—Havre 35, Mexico, D.F. I; VIII-4. Lafaire, Richard J.—Mexico, D.F.; and Trevino 427 Sur, Torre6n, Coahuila. V - 5 ; V I I - 1 ; VIII-4. Lamprecht, S. en C., E.—L6pez Cotilla 4 Altos, Guadalajara. I; VIII-5. Landahl, Rodolfo.—Gonzalez Bocanegra 37-B, Mexico, D.F. V - 5 ; VIII-4. Leon Export Company, S. de R.L.—Mexico, D.F. I; VIII-5. Loose, Bernardo.—Puebla, Puebla. V - 5 ; VIII-4. Lorch, Otto.—G. Victoria 7, Tlalpdn, Mexico, D.F. V - 5 ; VIII-4. Luebke, Gerardo.—Mayorazgo 619, Mexico, D.F. V - 5 ; VIII-4. Lutzejjkirchen, Peter.—Oxford 12, Mcxico, D.F. V - 5 ; VIII-5. Maak, Arnold. —Berengaria 220, Mexico, D.F. V - 5 ; VIII-5. Macheleidt, Francisco E.—Coatzacoalcos; and Jaltipdn, Veracruz. 1 - 2 ; V I - 5 ; VIII-5. Madsen, Jens.—Durango 258, Mexico, D.F. V - 5 ; VIII-5. Mafisa, S.A.—Avenida Uruguay 76, Mexico, D.F. I; VIII-5. Magneto Service.—Articulo 123-130-B, Mexico, D.F. 1-2; VIII-4. Maier, Walter Robert.—Pirineos 540, Mexico, D.F. 1 - 2 ; VIII-5. Malakowski, Erich.-—Monterrey. I; VIII-5. Manufacturera de Hilados y Tejidos de Lana Boston, S.A.—Uruguay 76, Mexico, D.F. I; VIII-5. Marquet y Cia., Guillermo.—Articulo 123 No. 9, Mexico, D.F. I; VIII-5. Martinez R., Francisco.-—Cerritos, San Luis Potosi. 1 - 3 ; V I I I - 5 . 38 PART X MEXICO—Continued Deletions—continued Mattes, Hans.—Puebla. 1 - 1 ; VIII-5. Medicinas y Drogas S.A.—Avenida Hidalgo 1320 Poniente, Torre6n. 1 - 2 ; VIII-4. Mega, Italo.—Galeana 724 Sur, Monterrey. I; VIII-5. Meguro, Benito.'—Tapachula, Chiapas. 1 - 1 ; VIII-5. Meiners, Arnold.'—G. Mancera 111, Mexico, D.F. V - 5 ; V I I I - 5 . M£ndez, Tito.—San Martin, Tecualtitldn, Puebla. II—1; V I I I - 5 . Merceria La Universal.—Torre<5n. I; V I I I - 5 . Moebius, Alberto.—Torre6n, Coahuila. V - 5 ; VIII-5. Moiler, Guillermo.—Mdxico, D.F. V - 5 ; VIII-5. Mueller, Victor H.—Colonia Guadalupe Inn, D.F. II—1; VIII-5. Mueller Hermanos, S. en C.—Mexico, D.F. V - l ; V I I I - 5 . Nacional Droga-Express, S.A.—Abraham Gonzdlez 64, Mexico, D.F. I ; VIII-5. Negociaci6n Comercial Mexicana, S.A.—Uruguay 77, Mexico, D.F. I; VIII-5. Niederschuck, Walter—Tonalii 99, M&ico, D.F. 1 - 1 ; V I I ; V I I I - 5 . Niekler, Oton.—Avenida Morelos 91, Mexico, D.F. I V - 6 ; VIII-5. Noltemeier, Kurt.—Plaza Rio de Janeiro 56, Mexico, D.F. V - 5 ; VIII-5. Notholt, Hans.—Condesa 716-C, Mexico, D.F. V - 5 ; VIII-5. Oeschle, Roland.—Repdblica del Salvador 39, M6xico, D.F. V - 3 ; V I I I - 5 . Oetling-Eyssen, Federico.—Pasaje Santa Cruz 36, Colonia del Valle, Mexico, D.F. I; V - 2 ; VIII-5. Oficinas de Materiales Elgctricos.—Mesones 29, Mexico, D.F. I V - 6 ; V - l ; VIII-5. Olbrich, St. Claire Sherwood de.—Edificio Condesa F-4, Calle Pachuca, M&ico, D.F. I V - 6 ; V I I I - 5 . Olguin Ruiz, Antonio.—Lauro Aguirre 127, Mexico, D.F. I—1; VIII-5. Olympia, S.A.—Isabel la Cat61ica 40 (Apartado 1933), Mexico, D.F. I; I - 4 ; VIII-5. P.A.L.M.A., S.A.—Humbolt 42, Mexico, D.F. 1-3; VIII-5. Paatsche, Heinz.—General Le6n 91, Mexico, D.F. V - 5 ; VIII-5. Pabst, F. W—Zaragoza 24, Mexico, D.F. I; VIII-5. Partes Atfreas, A. en P.—General Prim 57, Mexico, D.F. I; VIII-5. Pertack, Imprenta R — R e g i n a 85, Mexico, D.F. 1-2; VIII-4. Petleonsa Company.—Mexico, D.F. I; VIII-5. Petr61eos Le6n, S.A., Cia.—Isabel la Cat61ica 33, Mexico, D.F. I; VIII-5. Phillips, Abraham Z.—Isabel la Cat61ica 33, despacho 505; y C&ucaso 1380, Mexico, D.F. I; V I - 5 ; VIII-5. Pipper, Josef R.—Avenida Cap. Carranza 412 Poniente, Tampico. 1 - 2 ; VIII-5. Plasencia G., Guillermo.—Morelos 557 Oriente, Monterrey, Nuevo Ledn. II—1; VIII-5. Pohl, Ernesto.—Veracruz, Veracruz. V - 5 ; VIII-5. Proveedora de Artfculos para Laboratorio y Material de Andlisis, S.A.— Humbolt 42, Mexico, D.F. 1-3; VIII-5. Quass, Roberto.—Tabasco 116, Mexico, D.F. V - 5 ; VIII-5. Raeder, Ernesto.—Orinoco 15, Mexico, D.F. V - 5 ; VIII-5. PART I 39 MEXICO—Continued Deletions—continued Rancho Rusballo.—Colonia Morclos, Agua Prieta. 1 - 1 ; VIII-5. Reichstetter, Alberto.—Guerrero 14, Mexico, D.F. V - 5 ; VIII-5. Reitz, Wolfgang.—Mexico, D.F. V - 5 ; VIII-5. "Relojeria Alemana".—Avenida Morelos 546 Oriente, Monterrey. I; VIII-5. Relojeria .Alemana.—Madero 36, Orizaba, Veracruz. I V - 6 ; VIII-5. Reusch, Juan.—Sonora 84, Mexico, D.F. V - 5 ; VIII-5. Richter y Cia—Mesones 29, Mexico, D.F. 1 - 2 ; VIII-5. Rivas, Alfonso—Mesones 21, Mexico, D.F. 1-3; I V - 4 ; VIII-5. Rodriguez, Luz H.—Calle 23 Sur 302, Puebla. 1-2; VIII-5. Roemer y Cia., Sucrs., Federico.—5 de Mayo 50, Mexico, D.F. 1-3; V I I - 2 ; VIII-5. Roentsch S.A., Pablo.—Garcia Icazbalceta 38-A, Mexico, D.F. I; V - 6 ; VIII-5. Rohland, Hans.—Priv. 1, Lote 7, Fraccionamiento Acacias, Mexico, D.F. V - 5 ; VII; VIII-5. Rombold, Ingeniero Luis.—Hotel Nicoux, Jardin Judrcz 2, San Luis Potosi. I; V - l ; VIII-5. Rothe, Rodolfo.—Puebla, Puebla. V - 5 ; VIII-5. Saalfrank, J. W — M e x i c o , D.F. V - 5 ; VIII-5. Saenger, Fernando.—Mexico, D.F. V - 5 ; VIII-5. Sagner, Gustav.—Andalucia 165, Mexico, D.F. I; VIII-5. S&nchez, Pedro.—Garcia Icazbalceta 38-A, Mexico, D.F. 1-3; V I - 2 ; VIII-5. Schalch, Willy.—Guadalajara. I; VIII-5. Scheiffer, Peter—Edison 20-E, Mexico, D.F. V - 5 ; VIII-5. Scheumann, Guillermo.—Monterrey and Mexico, D.F. V - 2 ; VIII-5. Schlegel, Pablo.—Chihuahua 181, Mexico, D.F. V - 5 ; VIII-5. Schlettwein, Carlos.—General F. Fagoaga 56, Mexico, D.F. V - 5 ; VIII-5. Schmidt, Federico.—Mayorazgo 619, Mexico, D.F. V - 5 ; VIII-5. Schmidt, Manuel.-—Mexico, D.F.; and Cuernavaca, Morelos. II—1; I V - 5 ; V I I ; VIII-5. Schott, Otto.—Mexico, D.F. V - 5 ; VIII-5. Schroeder, Eric.—Boulevard L6pez Cotilla 1048, Mexico, D.F. V - 5 ; VIII-5. Schueler, Hans.-—Avenida 4 no. 62, San Pedro de los Pinos, Mexico, D.F. V - 5 ; VIII-5. Schueman, Guillermo.-—Monterrey and Mexico, D.F. V - 2 ; VIII-5. Schwarz, Fritz.—Armijo 46 bis (Apartado 7), San Luis Potosi. II—1; VIII-5. Schwarz, Lothar.—Reptiblica del Salvador 91, Mexico, D.F. V - 5 ; VIII-5. Schwarz & Georgi.—Armijo 46 bis (Apartado 7), San Luis Potosi. II—1; VIII-5. Seidel, Artur—Motolinia 25 (Apartado 1614), Mexico, D.F. I; VIII-5. Servicios para Oficinas, S.A.—Luis Moya 19, Mexico, D.F. I; VIII-3. Sherman, William.—Monterrey and Mexico, D. F. V - 2 ; VIII-5. Shill, Alois.—Casas Grandes. 1-1; VIII-5. 40 PART X MEXICO—Continued Deletions—continued Sommer, Wulff.—Mexico, D. F. V - 5 ; VIII-5. Specht, Gustavo.— Mexico, D. F. V - 5 ; VIII-5. Steichel, Rodolfo.—Luis Moya 44, Mexico, D. F. V - 5 ; VIII-5. Tautimer, Maria Jesiis Vasquez viuda de.—Avenidas 6a y 7a, Agua Prieta; and Rancho Rusballo, Colonia Morelos, Agua Prieta. II—1; VIII-5. Tdcnica Comercial Ci'a.—Revillagigedo 8, Mdxico, D.F. I ; VIII-5. Tenerfa Huasteca.—Tacubaya, D.F. II—1; VIII-4. Terrenos y Casas, S.A.—Washington 444 Poniente, Monterrey. 1 - 4 ; I V - 4 ; VIII-5. Tewes, Henry—Condesa 10-A, Mexico, D.F. V - 5 ; V I I I - 5 . Tintas Rex, S.A.—Isabel la Catolica 750, Mexico, D.F. I; VIII-5. Tintoreria Kullick.—Cuauhtemoc e Hidalgo, Monterrey. I V - 6 ; VIII-5. Tolksdorff, Otto—Articulo 123 No. 81, Mdxico, D.F. I V - 6 ; VIII-5. Ulrich, Fritz.—Villagr&n y A. Nervo, Monterrey. I; VIII-5. V&squez viuda de Tautimer, Maria Jesus.—Avenidas 6a y 7a, Agua Prieta; and Rancho Rusballo, Colonia Morelos, Agua Prieta. II—1; VIII-5. Vegeler, Guillermo.—Matamoros 1526 Poniente, Monterrey. 1 - 1 ; VIII-5. Voigt, Eduardo—Mayorazgo 619, Mexico, D.F. V - 5 ; VIII-5. Voigt, Juan—Insurgentes 303, Mexico, D.F. V - 3 ; VIII-5. Von Bertrab, Othon.—Pasteur 303 Norte, Durango. 1-2; VIII-5. Von Imhoff, Rupert—Dr. Mora 9, Mexico, D.F. I; 1 - 4 ; VIII-5. Von Richter, Hermann.—Avenida Uruguay 37, Mexico, D.F. I; VIII-5. Wappler, Kurt Gustavo.—Madero 34, Orizaba, Veracruz. I V - 6 ; VIII-5. Weber, Hans.—Tepic 113, Mexico, D.F. V - 5 ; VIII-5. Wenzel, Arthur.—Avenida Alvarado Obreg6n 178, Mdxico, D.F. 1 - 2 ; VIII-5. Westphal, German.—Uruguay 45 y Zitacuaro 47, Mdxico, D.F. 1 - 4 ; VIII-4; VIII-5. Westphal, Walter Friedrich K. M.—Rafael Rebollar 8, Tacubaya, D.F. V - 5 ; V I I I - 4 ; VIII-5. Wettstein, Oscar.—Avenida Uruguay 5, Mdxico, D.F. I; VIII-5. Wewer, Ernesto.—Amsterdam 116, Mdxico, D.F. V - 5 ; VIII-5. Wiecker, Alberto.—Mexico, D.F. V-5; VIII-5. Wieland, J u a n — Mdxico, D.F. V - 5 ; V I I I - 5 . Wienicke, Werner.—Mdxico, D.F. V-5; VIII-5. Wigand, A.—Mdxico, D.F. V - 5 ; VIII-5. Woehler Bartning Sucrs.—Mazatldn. I; VIII-4. Wolff, Walter.—Torre6n. 1-4; VIII-5. Wolters, K u r t — Paseo de la Reforma 175, Mdxico, D.F. V - 5 ; VIII-5. Wriedt, Juan.—Reforma 302, Tehuac&n, Puebla. I V - 6 ; V I I I - 5 . "Zapaterfa Lucerna".—Pedro Loza 19, Guadalajara. 1 - 3 ; VIII-5. Zenzes, Ernesto.—Mayorazgo 1219 (Apartado 52), Mdxico, D. F. II—3; V I - 5 ; VIII-5. Zicke, Carlos.—Calzada Aguila y F.C. de Cuernavaca, Mdxico, D.F. V - 5 ; VIII-5. Zuber, Carlos Lessee.—Manzanillo. 1 - 1 ; VIII-5. PART I 41 NICARAGUA Additions and Amendments Heuberger, Carlota.—Managua. VIII-1. Ileuberger, Guillermina.—Managua. VIII-1. Deletions Bermudez V., Manuel.—Managua. I; VIII-1. Huembes, Adelina Diaz viuda de.—Managua. I V - 2 ; VIII-1. Huembes y Cia. Ltda., M.—Managua. IV-2; VIII-1. La Libreria Barata.—Granada. IV-2; VIII-1. Libreria Hispano Americana.—Managua. I; VIII-1. Libreria Molino.—Managua. I V - 2 ; VIII-1. Libreria Rub£n Dario.—Managua. Ill—4; VIII-1. Medina Morales, Raimundo.—Managua. I V - 1 ; VIII-1. Mejia, Camilo.—Granada. I V - 6 ; VIII-1. Mejia, Enrique.—Granada. I V - 6 ; VIII-1. Mejia Cia. Ltda., Camilo y Enrique.—Granada. I V - 6 ; VIII-1. Palazio, Luis.—Managua. I - l ; 1 - 3 ; VIII-3. Pataky & Co., Alberto.—Managua. V - 2 ; VIII-1. P6rcz Duarte, Francisco.—Granada. I V - 2 ; VIII-1. Perez, Julia Urbina.—Managua. I V - 2 ; VIII-1. P6rez, Lucila Valle de.—Granada. I V - 2 ; VIII-1. Perez Valle, Francisco.—Managua. Ill—4; VIII-1. P£rez Valle y Cia. Ltda., Francisco.—Managua. Ill—4; VIII-1. Recalde, Carmen Huembes de.—Managua. I V - 2 ; VIII-1. Recalde, Victor.—Managua. I I I - 4 ; VIII-1. Recalde y Cia., Victor.—Managua. I; VIII-1. Souza, V. S.—Managua. V I - 1 ; VIII-4. Souza & Co., Victor S.— Apartado 22, Managua. I; VIII-4. PANAMA Deletions Prada, Luis Fernando.— Col6n. I V - 1 ; VIII-1. Wegener, Sigfrido.—Panamd. I; I I I - 4 ; VIII-3. PARAGUAY Additions and Amendments Asoeiaci<5n Alemdn de Ayuda Social.—Asunci6n. VIII-5. Cafe - Bar Tokio.—Pte. Ayala 2, Asunci6n. VIII-2. Deletions De Lascio, Nicohis.—Asunci6n. I V - 4 ; VIII-5. Dohmen, Federico.—Presidente E. Ayala esquina Mexico, Asunci6n. Ill—1; VIII-5. Exportadora e Importadora del Paraguay S.A., Cia.—Presidente E. Ayala esquina Mcxico, Asunci6n. Ill—1; VIII-5. 42 PART II PERU Additions and Amendments Abey, Torabachi.—Lima. I ; V I I I ; VIII-2. Casa Asahi.—Lima. I; VIII; VIII-2. Kanno, Unshiro.—Lima. 1 - 2 ; VIII-2. Sakata, Faustino T.—Callao. I; VIII-4. Sano y Sano.—Lima. Ill—1; VIII-4. Wakao, S—Lima. 1 - 2 ; VIII-2. Yida, Juan Kazuo.—Trujillo 363, Lima. VIII-1. Deletions American Representations S.A., Sucesores de F. S. Cockburn.—Lampa 663, Lima. I I - 3 ; VIII-3. Becerra, Otilia.—Carabaya 1005, Lima. 1 - 2 ; VIII-3. Berenguer, Raul.—Cuzco 1053, Lima. II—1; VIII-3. Bullitta, Salvador.—Puno 364, Lima. I I - 3 ; V - 2 ; VIII-3. Burga Canales, R.—Camand 574, Lima. 1 - 2 ; VIII-3. Chdvez, Pedro—Junin 442, Lima. I—1; VIII-1. Cockburn, F. S—Iquique 459 y Lampa 663, Lima. I I - 3 ; VIII-3. Cockburn, Otto.—Lima. I I - 3 ; VIII-3. Cockburn Hnos.—Lampa 663, Lima. I I - 3 ; VIII-3. Cuadros, Neptali.—Arequipa. 1 - 2 ; VIII-2. Ddvila & Co.—Sullana. I V - 1 ; VIII-3. Esparta, Leonardo.—Mariano Carranza 458, Lima. I V - 3 ; VIII-3. Fdbrica de Articulos de Jebe.—Avenida Iquitos 1100, Lima. I ; VIII-3. Fdbrica de Tejidos de Punto Peru, S.A.—Caqueta 345, Lima. V I I - 5 ; VIII-5. Fdbrica Nacional de Levadura "Arriba".—Lima. I V - 1 ; VIII-3. Ferndndez, Alfredo.—Camand 364, Lima. II—1; VIII-3. Fetzer, ^milio—Lima. 1-2; VIII-4. Garcia B., Jos<5 Luis.—Arequipa and Urcos. I V - 5 ; VIII-3. Gerbolini, Flavio.—Uni6n (Mercaderes) 416, Lima. I; VIII-1. G<Smez, Arturo.—% Casa Elva, Camand 505, Lima. V - 4 ; VIII-2. Gonzales Garc6s, Alberto.—Pierola 527, Arequipa. I V - 4 ; VIII-3. Heier & Duda S.A.—Iquitos 286, Lima. V - 2 ; VIII-3. Hotel Europa.—Chiclayo. I I - 3 ; VIII-3. Importadora, S. A.—Edificio Royal 404 (Casilla 2464), Lima. I; V I I I - 4 . Industrial Cauchifera Ltda., S.A., Cia.—Pacasmayo 276, Lima. I I - 3 ; VIII-3. Industrial y Comercial Europa-Sud-Am6rica S.A., Cia.—Lima. I V - 1 ; VIII-3. Jasaui S., Juan.—Arequipa. I V - 5 ; VIII-1. Koster, Juan J.—Mollendo. II—1; V I I I - 1 . " L a Mariposa".—Carabaya 312, Lima. I I - 3 ; VIII-2. Lambarri, Isidro.—Arequipa. Ill—4; I V - 3 ; VIII-4. Limongi, Federico.—Abancay 294, Lima. V - 4 ; VIII-3. Longo, Quinto M.—Uni6n 486, Lima. 1 - 2 ; VIII-1. Longo y Cia., S.A.—Colmena 323, Lima. 1 - 2 ; VIII-1. Malaspina, Alberto.—Lima. 1 - 2 ; VIII-1. Montalva, Oscar.—Pacasmayo 276, Lima. V - 3 ; VIII-3. Monteverde, E. & M.—Avenida Petit Thouars 2371, Lima. V - l ; V I I I - 4 . PART I 43 PERU—Continued Deletions—continued Morante, Carlos A.—Judios 254 y Callao 607- D, Lima. I I I - 4 ; VIII-4. Orihuela, M.—Puno 250, Lima. I; II; I I I - 3 ; VIII-3. Ponce de Le6n, Oscar.—Lima. 1 - 4 ; VIII-3. Rivera C., Carlos—Melgar 103, Arequipa. I V - 5 ; VIII-3. Rivera O., Manuel.—Arequipa. 1-2; VIII-3. Vogler & Rieckhof.—Iquitos. I I - l ; V I I I - 3 . Vucetich, Ambrosio.—San Juan de Dios 563, Arequipa. I V - 5 ; VIII-3. URUGUAY Additions and Amendments Anlauf, Arthur "Arturo".—Palacio Salvo, piso 9, Montevideo. VIII-5. Becker, Johann Engelken.—Zabala 1463 y Gonz&lo Ramirez 2239, apt. 6, Montevideo. VIII-2. Bianchi, Julio.—25 de Mayo 731-37, 25 de Agosto 602 y Palmar 2470, Montevideo. VIII-1. Blankschein, Willy.—Florida 1450 y Ellauri 914, Montevideo. VIII-5. Blohm, Friedrich.—Zabala 1463 y Luis de la Torre 463, Montevideo. VIII-5. Buch, Bruno Alejandro.—Paysandu 935 y Jaime Cibils 2718, Montevideo. VIII-5. De Tezanos, Guillermo.—Manuel Correa 3544, Montevideo. V I I I - 3 . Diehl, Hermann.—Treinta y Tres 1494, Ap. 18, and Zabala 1463, Montevideo. VIII-5. Diez, Cfear.—Melo, Departamento de Cerro Largo. VIII-1. Diez, Jos6.—Melo, Departamento de Cerro Largo. VIII-1. Diez Hermanos.—Melo, Departamento de Cerro Largo. VIII-1. Dubcowsky, Jaime.—18 de Julio y Agraciada 1440, Montevideo. VIII-4 Fdbrica de Corbatas Alteza.—18 de Julio 932, Montevideo. V I I I - 4 . Fernandez Fraga, German.—Avenida Durazno 1156, Montevideo. 1 - 3 ; II; VIII-2. Goosman, Carlos.-—Paysandu 935 y Roque Graseras 728, Montevideo. VIII-4. Gottschalk, Hans.—Avenida Brasil 3105, piso 7, Apartamento 31, Montevideo. V I I I - 5 . Grunert, Georg.—Zabala 1463, Montevideo. VIII-5. Haering, Johannes.—Zabala 1463 y Capurro 934, Montevideo. VIII-5. Haupt, Wilhelm—Porto Alegre 2621, Montevideo. VIII-5. Heydel, Eberhard.—Avenida Brasil 3105, piso 7, Apartamento 31, Monte' video. V I I I - 5 . Holm Rudolf.—Zabala 1463 y Juan M. Perez 2889, Apartamento 2, Montevideo. VIII-5. Imprenta Mercur.—Canelones 1227-31, Montevideo. V I I I - 5 . Jater, Federico.—Bompland 525, Montevideo. VIII-1. Juri, Yamil.—Sarandi 356, Montevideo. VIII-2. Kahlbacher, Hans.—Palacio Salvo, piso 9, Montevideo. VIII-2. Kauke, Carlos.—Francisco Vidal 768, Montevideo. V I I I - 5 . Kohlsdorf, Dietrich.—Zabala 1463 y Juan B. Blanco 663, Montevideo. VIII-5. 44 PAST I URUGUAY—Continued Additions and Amendments—continued Lieschke, Hans.-—Zabala 1463 y Gabriel A. Pereira 3177, Montevideo. VIII-5. Lohde, Guenther.—Zabala 1463 y Cardona 1033, Montevideo. VIII-5. Mandl, Fritz.—Montevideo. VIII-2. Meissner, Hermann.—Zabala 1463 y Josd Marfa Montero 3080, Montevideo. VIII-5. Morales, Eduardo.—Emilio Rana 2444, 25 de Mayo 731 y Ciudadela 1555, Montevideo. VIII-2. Reichart, Federico.—Julio Herrera y Obes 1584, Montevideo. VIII-3. Rohde, Walter K. E.—Zabala 1463 y Potosf 1980, Montevideo. VIII-5. Rohloff, Curt.—Zabala 1463 y Echevarriarza 3392, Montevideo. VIII-5. Safu, Sociedad An6nima Financiera Uruguaya.—Piedras 361, Montevideo. VIII-3. Schachert, Otto C. A. M.—Palacio Salvo, piso 9, y 26 de Marzo 990, Montevideo. VIII-4. Scharf, Helmuth Heinrich Wilhelm.—Florida 1450 y Gonzalo Ramirez 2105, Montevideo. VIII-5. Schiermann, Theodor L. J.—Palacio Salvo, piso 9, y Colla 2229, Montevideo. VIII-4. Schneider, Konrad.—Zabala 1463 y Solano Garcfa 2616, Montevideo. VIII-5. Seeling, Walter.—Paysandii 935 y Ariel 4511, Montevideo. V I I I - 5 . Taller Mctalurgico "Vulcano".—Julio Herrera y Obes 1584, Montevideo. VIII-3. Toth, Alejandro.—Cuchilla Grande 1105, 25 de Mayo 731-37 y Ciudadela 1515, Montevideo. VIII-4. Treig, Ernesto.—26 de Marzo 3492, Ap. 5; 25 de Mayo 731-37 y Ciudadela 1515, Montevideo. VIII-4. Vasek, Leopoldo.—Sarandf 669, Ciudadela 1515 y 25 de Mayo 731-37, Montevideo. VIII-3. Deletions Aktinol, Isaac.—Misiones 1567, Montevideo. V I - 6 ; V I I - 6 ; VIII-1. Albisu, Alberto.—Trinidad y Tercera Seccidn, Departamento de Flores. V I - 4 ; VIII-3. C X 22 Radio Universal.—Soriano 1217, Montevideo. I I I - 3 ; VIII-1. C X 48 Radio Feminina.—18 de Julio 1333, Montevideo. I V - 3 ; VIII-1. C X A 2 Radio Continental.—Montevideo. I V - 1 ; V I - 2 ; VIII-1. Cdnepa y Cfa., A.—Avenida M i M n 2370, Montevideo. 1 - 4 ; VIII-1. Cohen, Alberto.—Col6n 1441 y Pdrez Castellanos 1431, Montevideo. V I - 6 ; VIII-3. Cohen, Marcos.—Col6n 1441 y Perez Castellanos 1431, Montevideo. V I - 6 ; VIII-3. Cohen, Moisds.—Col6n 1441 y Pdrez Castellanos 1431, Montevideo. V I - 6 ; VIII-3. Cohen Hnos.—Col<5n 1441 y Pdrez Castellanos 1431, Montevideo VI-6; VIII-3. Cordoba, Isaac.—Rfo Branco 1450. Montevideo. V I I - 4 : VIII-5. 45 PART I URUGUAY—Continued Deletions—continued Dellepiane, Guido A.—Dr. Luis P. Lenguas 1551 y Baycuru 1339, Montevideo. Ill—1; VI; V I - 2 ; VIII-2. Echague, Julio.—Camino Santos 4232, Montevideo. I - l ; VIII-2. Galante, Elias.—Sarandi 393, Montevideo. V I - 6 ; VIII-3. Garrido, Evaristo.—Col6n 1544, Montevideo. V I - 6 ; VIII-1. Giacummo, Federico.—Republica Dominicana 2935, Montevideo. I; II; VIII-3. G6mez, Hector—Sevilla 1958, Montevideo. V I - 5 ; V I I - 6 ; VIII-3. Gonzdlez, Baymundo.—Democracia 2140, Montevideo. V I I - 4 ; VIII-1. Gonzdlez, Varela y Garrido.—Piedras 419 y Mill&n 2394, Montevideo. V I - 6 ; V I I - 6 ; VIII-1. Guttenberger, Carlos.—Instrucciones 915, Montevideo. I V - 3 ; VIII-2. Harispuru, Juan Jos6.—Obiigado 1207, Montevideo. Ill—3; VIII-1. Harispuru Hermanos.—Paraguay 1337, Montevideo. Ill—3; VIII-1. Maite, Amaro.—Col6n 1429, Montevideo. V I - 6 ; V I I I - 5 . Martin, Manuel.—Defensa 2433, Montevideo. V I - 6 ; VIII-3. Martinetto, Domingo.—Concordia 4105 y Ciudad de Calvi 952, Montevideo. I; VI; VIII-1. Martinez, Rogelio.—Joanic6 3453, Montevideo. 1 - 2 ; I I ; V I - 2 ; VIII-4. Pertierra, Waldemar.—Guadalupe 1809, Montevideo. V - 4 ; VIII-3. Radio Artigas.—Avenida MiMn 2370, Montevideo. 1 - 4 ; V I - 1 ; VIII-1. Radio Continental C X A 2.—Montevideo. 1 - 4 ; V I - 2 ; VIII-1. Radio Feminina C X 4 8 . - 1 8 de Julio 1333, Montevideo. I V - 3 ; VIII-1. Radio Universal C X 22.—Soriano 1217, Montevideo. I I I - 3 ; VIII-1. Radio Uruguay.—Avenida Milldn 2370, Montevideo. 1 - 4 ; V I - 1 ; VIII-1. Soloducha, Aron.—Paraguay 1101-1103, Montevideo. V I - 6 ; V I I I - 3 . Tenembaum, Samuel Moists.—Uruguay 877, Montevideo. V I I - 4 ; VIII-3. Tenembaum e Hijo, Sucesi6n de D.—Uruguay 877, Montevideo. V I I - 4 ; VIII-3. Tienda "La Samaritaine".—Colonia 1250, Montevideo. V I - 6 ; VIII-4. Tucci, Homero Miguel.—Uruguay 989, Montevideo. I - l ; V I I I - 4 . Tucci e Hijo, Francisco.—Uruguay 989, Montevideo. I - l ; VIII-4. Varela Busto, Manuel.—Guardia Oriental 2957, Montevideo. V I - 6 ; V I I I - 1 . V&zquez y Compania.—18 de Julio 1333, Montevideo. I V - 3 ; VIII-1. Vinelli, Atilio.—Colonia 1250, Montevideo. V I - 6 ; VIII-4. Vinelli, Humberto.—Colonia 1250, Montevideo. V I - 6 ; VIII-4. Vinelli Hnos.—Colonia 1250, Montevideo. V I - 6 ; V I I I - 4 . VENEZUELA Additions and Amendments Olivares Urdaneta, Jesue.—Paez no. 8, Maracaibo. VIII-2. Deletions Casa A.B.C.—Valencia, Puerto Cabello, and Maracay. I V - 2 ; VIII-2. Factorias A.B.C.—Valencia. 1-2; VIII-2. Hauselmann, Carlos.—Pasaje Capitolio 11 (Apartado 1086), Caracas. II; VIII-3. Oficina T6cnica Industrial.—Apartado 1086, Caracas. I; VIII-3. I; PART II ANDORRA Additions and Amendments Picart Gonzalez, Antonio.'—Las Escaldas, Andorra. VIII-2. Vilanova, Marcelino.—San Julian Loria, Andorra. VIII-2. IRAN Deletions Darudi (Darroudi), Aghal Ali.—Meshed. I I - 3 ; VIII-4. Darudi (Darroudi), Mehdi.—Meshed. I I - 3 ; VIII-4. IRAQ Deletions Aziz Ephraim.—228-1, A1 Rashid St., Baghdad. I I - 3 ; VIII-4. Ezra, E., Brothers—228-1, A1 Rashid St., Baghdad. I I - 3 ; VIII-4. Gabbay, E. H.—228-1, A1 Rashid St., Baghdad. I I - 3 ; V I I I - 4 . Gabbay, Ezra (Aziz) Ephraim.—228-1, A1 Rashid St., Baghdad. I I - 3 ; I V - 6 ; VIII-4. Gabbay, N. S — 2 2 8 - 1 , A1 Rashid St., Baghdad. I I - 3 ; VIII-4. Iraq Trading Co.—228-1, A1 Rashid St., Baghdad. I I - 3 ; VIII-4. Sanawi, Tariq a l — A l Rashid St., Baghdad. I I - 3 ; VIII-5. Yousif, Daud Abraham.—c/o Ezra Ephraim Gabbay, 228-1, Al Rashid St., Baghdad. V - 3 ; VIII-4. IRELAND (EIRE) Additions and Amendments Brugha, Cathal (Mrs.).—23, Temple Gardens, Rathmines, Dublin. V I I - 2 ; VIII-4. Dublin Electrical Engineering Co. Ltd.—7, Hanover St. East, Dublin, and all branches in Eire. V I I - 2 ; VIII-4. Dwarf Products.—12, Fownes St., Dublin. V I I - 2 ; VIII-2. Faesenfeld, Georg Franz Frederick.—Monaincha, Co. Tipperary. VII-2; VIII-4. Kingstons Ltd.—9, Upper O'Connell St., and 9-10, South Great George's St., Dublin. V I I - 2 ; VIII-4. Winkelmann, Franz.—Sandford Grove, Sandford Hill, Ranelagh, Dublin. V I I - 2 ; VIII-4. 46 PART II 47 IRELAND (filRE)—Continued Deletions Arcari, Alberto.—24, Bummerhill, and 86, Caledon Road, East Wall, Dublin. V I I - 2 ; VIII-1. Associated Contractors (Ireland) Ltd.—New Docks, Galway. V I I - 2 ; VIII-5. Carry, Albert.—24, Summerhill, Dublin. V I I - 2 ; V I I I - 3 . Devlin, Michael.—Palermo, Killiney Hill Road, Dublin. V I I - 6 ; VIII-3. Devlin & Co., Ltd., Michael.—Ulster Bank Chambers, 3-4, Lower O'Connell Street, Dublin. V I I - 6 ; VIII-3. German Academy.—18, Upper Mount Street, Dublin. V I I - 2 ; VIII-3. German News Agency.—37, Nassau Street, Dublin. V I I - 2 ; VIII-3. Irish-German Academic Bureau.—18, Upper Mount Street, Dublin. V I I - 2 ; VIII-3. LIECHTENSTEIN Additions and Amendments General Finance & Trading Trust.—Vaduz. VIII-2. International Trust Immobilier.—Vaduz. VIII-2. Ruscheweyh, Rudolf.—Schaan. VIII-2. MOROCCO SPANISH MOROCCO Additions and Amendments Rios Munoz, Jose.—Canalejas 18, Melilla. I V - 4 ; VIII-2. Deletions Alwin, Georg.—Ave.JLas Palmeras, "Chalet Latorre", Tetuan. Ill—I; IV; VIII-3. Baltensperger, Ernesto.—Carretera de la Hipica, Apartado 51, Tetuan. V I - 3 ; VIII-1. Colombo, Ettore—Tetuan. I I I - l ; VIII-4. Parres Puig, Francisco.—O'Donnel 41, Melilla. I V - 2 ; VIII-3. TANGIER INTERNATIONAL ZONE Additions and Amendments Carranza, Ramon (owner of S.T. "Blanca de C " , "Reina Victoria", "Paco Nino", and "San Vicente").—Tangier. I I I - l ; I I I - 3 ; I V - 4 ; V - 2 ; VIII-1. Cohen, Mordejai (Marcos).—"La Confianza", Calle Senmarin 11, Tangier. VIII-3. Gestor S.A.—Rue de Fez 72, Tangier. VIII-5. Pombo, Florentino.—Tangier. VIII-4. Pombo, Jose Manuel.—Tangier. VIII-4. Schistes Bitumineux de Tanger, Soc. des.—Tangier. VIII-3. 48 PART II MOROCCO—Continued TANGIER INTERNATIONAL ZONE—Continued Deletions Accarias, Paul.—Belgica 3, Tangier. Ill—1; VIII-3. Benadiba, Hola.—Legazpi 50, Tangier. I I I - 3 ; VIII-1. Bendahan, Albert (Jacob Abraham Bendahan).—Legazpi 50, Tangier. Ill—3; VIII-1. Bendahan & Benadiba.'—Legazpi 50, Tangier. Ill—3; VIII-1. Grebler, Albert.— Bvd. Antee 11, Tangier. Ill—1; VIII-1. Wertheimer, George.—Apartado 123, and B.P.O. 141, Tangier. V-6; VIII-1. PORTUGAL AND POSSESSIONS PORTUGAL Additions and Amendments Alves, Fernando Mota.—Ave. Almirante Reis 28, Lisbon, and other addresses in Portugal. II—3; VIII-1. "American Stand".—Rua de D. Francisco Gomes, and Rua do Tenente Valadim 4, Faro-Algarve. VIII-3. Bachmann, Helmuth.—Ave. Elias Garcia 91, and Rua Eugenio dos Santos 169-173, Lisbon. VIII-1. Banco Ferreira Alves e Pinto Leite.—Oporto, VIII-5. Barros, Isabel Malheiros de Almeida.—Estrada de Chelas 101-101A, Lisbon; and Rua Miguel Bombarda 451, Oporto. V I I - 5 ; VIII-1. Barros, Pedro Amor Monteiro de.—Rua Garcia Horta 63, Lisbon. I ; VIII-1. Belmarco, Vidal Alberto Navarro de Andade.—Rua de D. Francisco Gomes, and Rua do Tenente Valadim 4, Faro-Algarve. VIII-3. Brito Ltda., A. M. da Rocha.—Rua Sa da Bandeira 112, and Rua Passos Manuel 174, Oporto; V I I - 5 ; VIII-2. Carvalho, A.—Rua de Cavaleiro de Olivieria 45, Lisbon. VIII-2. Comercial Azancot Ltda., Soc.—Rua S. Paulo 75, and Rua dos Fanqueiros 184, Lisbon. V I I - 6 ; VIII-1. Cudell, Roberto.—Largo do Directorio 16, Lisbon; and Rua Passos Manuel 30, Oporto. I ; V - l ; VIII-1. Cudell, Walter.—Rua Passos Manuel 30, Oporto. V - l ; VIII-1. Dede, Heinrich.—Rua Artilharia Um 110, Lisbon. VIII-2. Dehawi Agencia - Safari Ltda., Empresa Fornecedora de Mantimentos.— Rua Cais de Santarem 24, Lisbon. I V - 6 ; V I I I - 2 ; VIII-4. Einhart, Hubert.—Rua Eugenio dos Santos 179, Lisbon. Ill—1; VIII-3. Einhart Ltda.—Rua Eugenio dos Santos 179, Lisbon. Ill—I; V I I I - 3 . Empresa do Coliseu do Porto.—Rua Sa da Bandeira 112, and Rua Passos Manuel 174, Oporto. V I I - 5 ; VIII-2. Estudante, Manuel Ferreira.—Travessa das Salgadeiras 7, Lisbon. V I I I - 5 . Fernandes, Carlos Augusto.—Rua Victor Cordon 24, Lisbon. V I I - 2 ; VIII-4. Gabinete de Consultas Tecnicas.—Rua de Cavaleiro de Oliveira 45, and Rua das Chagas 17, Lisbon. VIII-3. PART n 49 PORTUGAL AND POSSESSIONS—Continued PORTUGAL—Continued Additions and Amendments—continued Giuliani, Carlo.—Rua do Alecrim 10, Lisbon. VIII-4. Hermias Ltda.—Rua do Caes de Santarem 24, Lisbon. VIII-5. Introdutora de Metodos Modernos de Construcao Ltda., Soc. (S.I.M.C.O.).— Rua Augusta 75, Lisbon. VIII-5. Keel, Rolf.—Rua de S. Bento 334-336, Lisbon. VIII-1. Lemos, Jose Antonio Alves Ferreira de (Dr.).—Ave. Brasil 119, Oporto. VIII-2. Loucas, Casa das-Eduardo F. Barbosa.—Rua Formosa 333, Oporto. I; VIII-1. Mineira do Penedo do Raio Ltda., Soc.—Vila Pouca de Aguiar. VIII-1. Minero Silvicola, Ltda.—Rua da Constituicao 441, Oporto, Rua do Comercio 8, Lisbon; and all branches in Portugal. I; II—1; VIII-5. Address amended from Rua do Comercio 8, Lisbon, and Rua Santa Catarina 377, Oporto; and all branches in Portugal. Moita, Francisco de Jesus.—Rossio 3, and Rua de S. Bento 334-336, Lisbon. I; VIII-3. Mota Ltda., Candido.—Rua da Santa Catarina 594, Oporto. VIII-3. Navarro Sucrs. Ltda., Diogo Jose.—Praca da Liberdade 45-52, Oporto. VIII-2. Neves, Carlos da Silva.—Rua Artilharia Um 28, Lisbon. I V - l ; VIII-1. Norton, Luiz Xavier.—Rua Victor Cordon ID, Lisbon. VIII-2. Novais, Jorge de Abreu de Couto Amorim.—Oporto. VIII-2. Office Francais D'Information O.F.I.—Rua Aurea 242, Lisbon, and all branches in Portugal. I V - 5 ; V - 2 ; V I I - 5 ; VIII-5. Name amended from Office Francais d'Information O.F.I, ex Havas. Pena, Armandio da Costa.—Rua Carlos Mardel 61, Lisbon. V I I - 6 ; VIII-1. Porst, Richard Kurt.—Rua da Prata 51 and 59, Lisbon. I ; V; VIII-2. Ratibor, Ernst Von (Prince) .—Estoril. I I - 4 ; VIII-3. Ratibor, Ernst Von (Princess) .—Estoril. I I - 4 ; VIII-3. Reis, Antonio da Cunha.-—Rua Eugenio dos Santos 179, Lisbon. Ill—1; VIII-3. Ribeiro, C. A. Ltda.—Rua de S. Bento 334-336, Lisbon. VIII-1. Ribeiro de Almeida, Manuel.—Ave. Miguel Bonbarda 2A, Lisbon. V I I I - 1 ; VIII-2. Rodrigues, Jose Francisco Esteves.—Travessa das Salgadeiras 7, Lisbon. VIII-5. S.I.M.C.O. Sociedade Introdutora de Metodos Modernos de Construcao Ltda.—Rua Augusta 75, Lisbon. VIII-5. Safari Ltda., Empresa Fornecedora de Mantimentos (Dehawi Agencia).— Rua Cais de Santarem 24, Lisbon. I; V I I I - 2 ; VIII-4. Sampayo Ltda., Francisco (Fotografia Antony).—Rua de S. Antonio 147-51, Oporto. V I I - 6 ; VIII-3. Santos, Jaime Artur dos.—Ave. Almirante Reis 70, and Rua Zaire 20, Lisbon. V I I I - 2 Santos & Botica Ltda.—Rua dos Fanqueiros 91, Lisbon. VIII-3. Schoeri, Ernst.—Hotel Tivoli, Lisbon. VIII-5. 50 PART II PORTUGAL AND POSSESSIONS—Continued PORTUGAL—Continued Additions and Amendments—continued Schroeder, Otto.—Hotel Francfort, Rossio 113, Lisbon. V I I I - 5 Stand, Ericka.—Rua Eugenio dos Santos 169-173, Lisbon, and all branches in Portugal. VIII-1. Stand Opta.—Rua Eugenio dos Santos 169-173, Lisbon, and all branches in Portugal. VIII-1. Vendrell, J. & Cia.—Estrada de Bemfica 449, Lisbon. VIII-3. Deletions Adragna, Francesco.—Olhao. I; VIII-5. Agencia Comerciale Francesa-A. Vincent Ltda.—Rua Ivens 56, Lisbon. II—4; VIII-3. Agencia Maritima Jose Ferreira Jnr., Ltda.—Rua Nova do Carvalho 43, Lisbon. I V - 6 ; V I I I - 5 . Alberto, Andrea Strazzera.—Olhao. I; 1 - 2 ; VIII-2. Alcobia, Jose (Jose Thomaz Mascarenhas Alcobia).—Rua Ilha do Principe 17, Lisbon. I ; I V - 2 ; I V - 5 ; VIII-2. Campo Fu Salvatore Giuseppe.—Rua Brito e Cunha 603, Matozinhos. I V - 5 ; VIII-2. Centeio, Francisco Xavier.—Travessa das Salgadeiras 7, Lisbon. Ill—2; VIII-5. Conciato, Mario.—Rua Renato Batista 92, Lisbon. I; VIII-1. Empresa Luso-Argentina de Comercio e Industria Ltda.—Rua Rodrigues Sampaio 50, Lisbon. I V - 3 ; VIII-1. Exportador Luso-Colonial Ltda.—Rua Silva Porto 58, Oporto. V I - 1 ; VIII-5. Fenollar, Fernando M.—Rua da Misericordia 20, Lisbon. I; V I I I - 5 . Ferreira (Jnr.), Jose.—Rua Nova do Carvalho 43, Lisbon. I V - 6 ; VIII-5. Fonseca, Antonio Jacinto.—Rua Sa da Bandeira 331, Oporto. I V - 3 ; VIII-2. Galuppo, Giuseppe (fu Carlo).—Estrada da Circunvalacao, Olhao. I ; VIII-2. Gomes, Eduardo.—Rua Nova do Carvalho 43, Lisbon. I V - 6 ; VIII-5. Grande Organizacao de Agentes Vendedores Ltda.—Ave. Antonio Augusto de Aguiar 7, Lisbon. V I I - 3 ; VIII-4. Grebler, Albert.—Caldas da Rainha, Lisbon. I I - 4 ; V - 6 ; VIII-1. Guimaraes & Queiroz Ltda.—Rua dos Correeiros 184, Lisbon. IV—I; I V - 5 ; VIII-1. Ilari, Carlos.—Olhao. I; VIII-3. Lazzara, Carlo. —Olhao. I ; VIII-3. Lazzara, Niccolo.—Olhao. I; VIII-1. Martino, Mario di.—Rua Capitao Nobre, Olhao. I; V I I ; VIII-3. Martins & Filhos Ltda., Antonio Gomes.—Lordelo do Ouro, Oporto. II—4; VIII-3. Mascarenhas, Jose Thomaz.—Rua Ilha do Principe 17, Lisbon. 1 - 3 ; I V - 2 ; I V - 6 ; VIII-2. 51 PART II PORTUGAL AND POSSESSIONS—Continued PORTUGAL—Continued Deletions—continued Monteiro, Jose M. Alves.-—Travessa do Ameal 330, Oporto. 1-2; VIII-5. Noronha, Mario de.—Rua Braamcamp 12, Lisbon. VII—1; VIII-1. Piano, Artur Antonio da Costa.—Lisbon. I V - 3 ; VIII-3. Piano, Artur Victorino.—Lisbon. I V - 3 ; VIII-3. Pina, Mario Abel Aguia de.—Rua Padre Antonio Vieira 30, Lisbon. V - 2 ; VIII-4. Pontes Ltda., Jose Correia.—Rua Nova de Levante 87-89, and Rua Manuel Tome Viegas Vaz 2-4, Olhao. 1-4; VIII-1. Porto-Huambo Comercial Ltda.—Travessa de Ameal 330, Oporto. V I - 1 ; VIII-5. Reich, Bruno.'—Ave. Ressano Garcia 37, Lisbon. I; VIII-4. Rodrigues, Luciano.—Vila Verde, Paranhos, Seia. 1 - 2 ; VIII-3. Salvi, Dr. Emilio.—Ave. Poeta Mistral 17, Lisbon. V - l ; VIII-5. Sartorio, Ennio.—Ave. da Liberdade 232, Lisbon. I I - 3 ; VIII-4. Seixas & Co. Ltda., Fernando Coimbra.—Praca D. Filipa de Lencastre 14, and Rua de Fabrica 67, Oporto. I I I - l ; VIII-4. Silva, Luciano Rodrigues da.—Vila Verde, Paranhos, Seia. I; 1 - 2 ; VIII-1. Silva, Virgilio Filipe Pereira da.-—Rua Tomaz Ribeiro 83, Lisbon. I I I - 4 ; VIII-4. Siragusa, Giuseppe.—Olhao. I; VIII-3. Sousa Jnr., Manuel.—Lisbon. V - 6 ; V I I I - 3 Valente, Carlos Alberto de Brito Rebelo.—Rua Sa da Bandeira 112, Oporto. V I I - 5 ; VIII-5. Viale, Mario.—Rua Duarte Galvao 44, Lisbon. I; VIII-5. Vincent, Fernand. —Rua Ivens 56, Lisbon. 1 - 1 ; VIII-3. Vincent, A. Ltda. (Agencia Comerciale Francesa).—Rua Ivens 56, Lisbon. 1-1; II—4; VIII-3. ANGOLA Additions and Amendments Krosighk, Volrat Von.—Libolo, Cuanza-Sul. I; VIII-3. Loen, Von (Baron).—Libolo, Cuanza-Sul. I; VIII-3. Loen, Von (Baroness).—Libolo. V I - 3 ; VIII-3. Rischtofen, Gerhardt von (Baron).—Dala Cachibo Libolo, I; V I I I - 3 . Siden, H. Van Linde.—Dondo and Porto Amboim. Cuanza-Sul. I; VIII-3. Deletions Exportador Luso-Colonial Ltda.-—Ave. 5 de Outubro, Nova Lisboa. VI-1; VIII-5. Monteiro, Jose M. Alves.—Ave. 5 de Outubro, Nova Lisboa. 1-2; VIII-5. Monteiro, Serafin.—Ave. 5 de Outubro, Nova Lisboa. I; VIII-5. Porto-Huambo Commercial Ltda.—Ave. 5 de Outubro, Nova Lisboa, and at Huambo. 1-2; VIII-5. Sousa Jnr., Manuel.—Loanda. V - 6 ; VIII-3. 52 PART II PORTUGAL AND POSSESSIONS—Continued AZORES Deletions Schroeder, Otto—Horta, Fayal. I I I - 3 ; VIII-5. CAPE VERDE ISLANDS Additions and Amendments Ribeiro de Almeida, Manuel—St. Vincent. V - 6 ; V I I I - 1 ; VIII-2. Ribeiro de Almeida Ltda., Manuel.—St. Vincent. V - 6 ; VIII-2. Deletions Branco, Joaquim da Silva.—St. Vincent. I V - 6 ; VIII-2. Branco, Jose da Silva.—Tarrafal. V-4; VIII-2. MADEIRA Deletions Sousa, Joao Barros de.—Camara de Lobos. VIII-4. Ill—2; I V - 3 ; V - l ; VI-1; MOZAMBIQUE Additions and Amendments Burchard, Joachim Von.—Metuge, Porto Amelia. I ; VIII-3. Guzmao, Jose de Moura Forjaz de.—Lourengo Marques. VIII-4. Hirschfeld, Alexander Wilhelm Adolf Ludwig Von.—Elvas Siding, and Chimezi Estate, Macequece, Zambezia. I; VIII-3. Leal, Antonio.—P.O. Box 205, Beira. VIII-5. Deletions Pagan, Carlos.—Rua Consiglieri Pedroso, Lourengo Marques. II—3; VI; VIII-2. Pagan, Umberto.—Rua Consiglieri Pedroso, Lourengo Marques. I I - 3 ; V I ; VIII-2. PORTUGUESE GUINEA Additions and Amendments Escada, Joaquim.—Canchungo. VIII-1. Tage, Eddine Mohamed Ibrahim.—Farim. V - 4 ; VIII-1. Deletions Cadillac, Henri.—Bissau. Courrent, Paul.—Bissau. Deletions I I I - 3 ; VIII-1. I I I - 3 ; VIII-1. PORTUGUESE INDIA Coelho, Eduardo.—Nova Goa. V - 2 ; VIII-5. PART II 53 SPAIN AND POSSESSIONS SPAIN Additions and Amendments Abello Sabater, Rafael.—Madrid and Barcelona. VIII-1. Aceites Essenciales Aromaticos-Hanneliese Goetz.—Muntaner 183, and S. Jeronimo 23, Barcelona. VIII-4. Aceros Suecos Sandvik-Dr. Isabello Lana Sarrate.—Diputacion 239, and Muntaner 393, Barcelona. VIII-5. Aceros y Metales S.A. (Rheinmetall).—Valencia 372, Barcelona. VIII-4. Alberdi Astigarraga, Jose.— Eibar. VIII-1. Alvares Piles, Juan Ramon.—Moreto 11, Madrid. VIII-5. Alves, Fernando Mota.—Hotel Roma, Madrid. VIII-1. Anonima de Accidentes, La.—Rambla Cataluna 19-21, Barcelona. I I - 5 ; VIII-2. Antich S.A. Alcoholes.—Ronda San Pablo 32, Barcelona. VIII-3. Aplicaciones Electromecanicas S.A.—Mejia Lequerica 4, Madrid. VIII-1. Appen, Gunther Von.—Sagasta 15, Madrid. 1-1; VIII-3. Argila Cia. Anon.—Conde de Aranda 4, Madrid. V I I - 4 ; VIII-3. Arizmendi, Hijos de, Francisco.—Calle de la Estacion, Eibar. VIII-1. Atlantida Astilleros & Construcciones, S.A. (owners of M. V. "Faro de Benicarlo", "Faro de Buda", "Faro de Canet", "Faro de Oropesa", "Faro de Peniscola", and "Faro de Salou") —Valencia. I V - 2 ; V I I - 3 ; V I I I - 1 ; VIII-5. Name amended from Atlantida Astilleros & Construcciones, S.A. (owners of M. V. "Faro de Benicalo", "Faro de Buda", "Faro de Canet", "Faro de Oropesa", "Faro de Peniscola", and "Faro de Salou"). Atlantica Comercial S.A.—Diputacion 260, Barcelona. V I - 2 ; V I I I - 5 . Name amended from Atlantida Comercial S.A. Bakumar, Agencia de Viajes.—Plaza de las Cortes 3, Malaga, and all branches in Spain. I; V I I - 6 ; VIII-1. Barcelonesa Industrial y Mercantil S.A.—Paseo de Gracia 48, Barcelona, VIII-3. Barcia, Manolo (Navales Barcia).—Corunna. VIII-4. Billante, Calogero.—Carretera de San Miguel Motrico. VIII-5. Boddien, Joaquim Von.-—Madrazo 51, Barcelona. I ; VIII-3. Bofill, Ramiro.—Palafrugell. I; VIII-3. Buckau, R. Wolf A.G.-Viuda de Esteban Carreras Pons.—Barquillo 47, Madrid. I; V I I I - 3 ; VIII-4. C.E.I.S.A.-Comercial Exportadora e Importadora S.A.—Lagasca 127 and Alcala 10, Madrid. V I - 1 ; VIII-4. Calcagno, Antonio.—Barcelona. VIII-5. Calcagno, Mario.—Layetana 41, Barcelona. V - l ; VIII-4. Camps, Victorio.—Moreto 11, Madrid. VIII-5. Canada Blanch, Bias y Ernesto.—Burriana. V I I I - 5 . Carbonell Jiner, Buenaventura.—Ave. General Mola 31, Madrid. VIII-1. Carreras Pons, Viuda de Esteban (Buckau, R . Wolf A.G.).—Barquillo 47, Madrid. VIII-4. Cavanillas Prosper, Javier Maria.—Alcala 97, Madrid, and at San Sebastian. VIII-1. Ceron Bohorques, Manuel.—San Jose 14, Cadiz; and Jose Antonio 15, Madrid. VIII-2. 54 PART II SPAIN AND POSSESSIONS—Continued SPAIN—Continued Additions and Amendments—continued Chiappo Arietti, Dionisio.—Aribau 1, and "Torre Gaudi", Barcelona. VIII-2. Chiappo, Viuda de F.—Aribau 1, and "Torre Gaudi", Barcelona. V I I I - 2 . Cloos, Federico Guillermo.—Ave. Martires de Carral 1, Monforte de Lemos (Lugo). V I I I - 4 . Comercial Exportadora e Importadora S.A. (C.E.I.S.A.).—Lagasca 127 and Alcala 10, Madrid. V I - 1 ; VIII-4. Comercial Maritima de Transportes S.A., Cia. (owners of S. S. "Alcora", "Antares", "Jose Trujillo" ("Crespi"), "Polar", "Salvador", "San Juan I I " , and "Rigel" (ex "Tercio Montejurra"); Aux "Plencia I I " ; M.V. "Canopus" (ex "Castor"), "Linette", "Mari Carmen L " , "Maribel", and "Procyon" (ex "Pollux").—Ave. Generalisimo 1, and Moratim 52, Madrid. I ; 1 - 2 ; I I - l ; I I - 3 ; I I - 4 ; I I I - 4 ; I V - 5 ; I V - 6 ; V-2; V - 4 ; V - 5 ; V - 6 ; V I - 3 ; V I - 5 ; V I I - 1 ; V I I - 4 ; V I I - 5 ; VIII-3. Comercio Exterior, S.A. de.—Claudio Coello 51, Madrid. VIII-3. Constancia, La Cia. Anonima de Seguros.—Universidad 4, Barcelona. I; VIII-2. Costeros de Levante S.A.—Plaza Urquinaona 6, and Ave. del Generalisimo Franco 514, Barcelona. VIII-3. Dalmau, Francisco.—Jose Antonio 615, Apartado 2, Barcelona. VIII-2. Dano S.A.—Jose Antonio 615, Apartado 2, Barcelona. VIII-2. Destilerias Nike.—Conde Ofalia 14, Almeria. VIII-2. Deutsche Werke S.A. Motores.—Provenza 314, Barcelona. I ; V I I I - 4 . Dixon Oil Co. (Lubrificantes Dixon).—Ave. del Generalisimo Franco 31, Malaga. VIII-5. Electrica Industrial S.A., La.—San Isidro 56, Tarrasa. I; VIII-2. Espana Carlos Casado.—Plaza de Callao 4, Madrid. VIII-4. Espanola de Talcos S.A., Soc.—Paseo Lealtad Chalet, and Alcazar de Talcos 8, Leon; and Barquillo 42, Madrid. I ; VIII-4. Esteva & Messer S.A.—Palafrugell. VIII-2. Fenix Comercial S.A. - Paul Wunderling Berger.—Ave. del Gen. Franco 371, Barcelona. V I - 2 ; VIII-3. Fernandez Mateos, Angel.—Conde Ofalia 14, Almeria. VIII-2. Fernandez, Servando.— Moreto 11, Madrid. VIII-5. Fodina S.A., La.—Salient. I - l ; VIII-2. Freixas, Enrique.-—Plaza Palacio 5, Barcelona. V I I - 3 ; VIII-5. Name amended from Frexias, Enrique. Freixas, Agencia (owners of S.S. "Carmen Freixas").—Plaza Palacio 5, Barcelona. V I I - 3 ; VIII-5. Name amended from Frexias, Agencia (owners of S.S. "Carmen Frexias"). Fricke, Enrique.—Muralla del Mar 89, Cartagena, and other addresses in Spain. I; VIII-3. Gabison, Andres.—Jorge Juan 17, Madrid. VIII-2. Garcia de la Fuente S.A. Destilaciones.—San Jose Baja 37-43, Granada. VIII-2. PART II 55 SPAIN AND POSSESSIONS—Continued SPAIN—Continued Additions and Amendments—continued Gavioli, Roberto.—Paseo Lealtad Chalet, and Alcazar de Toledo 8, Leon. I; VIII-4. Geldner, Federico.—Jose Antonio 15, Madrid. VIII-1. Goetz, Hanneliese (Aceites Essenciales Aromaticos).—Muntaner 183, and S. Jeronimo 23, Barcelona. 1 - 2 ; VIII-4. Gonzalez Sieiro, Floro.—Canido, Vigo. VIII-3. Grafos S.A.—Ave. Jose Antonio 778, Barcelona. VIII-3. Gullon Gimenez, Rafael.—Sagasta 4, Madrid. V I I - 3 ; VITI-1. Hafner, Ernesto.—Avenida Genera! Franco 7, Malaga; and Apartado 69, Seville. V I I - 5 ; VIII-3. Hamrath, Huberto.—Junqueras 2, Barcelona. V - 4 ; VIII-3. Herrera Lafuente, Guillermo.—Lopez Falcon 46, Almeria, and at Hermosilla 45, Madrid. VIII-2. Ibanez Lopez, Santos.— Santa Dorotea 22, Burgos, and Ronda de Segovia 33, Madrid. VIII-5. Ibanez & Cia.—Santa Dorotea 22, Burgos, and Ronda de Segovia 33, Madrid. VIII-5. Illueca, Sucr. de Viuda de Enrique (owners of S.S. "Ampurdan", S.S. " E n rique Illueca", S.S. "Juan Illueca" (ex "Vicente La Roda"), S.S. "Punta Azamor", S.S. "Punta Poloma", S.S. "Rosa N. Illueca", and S.S. "Tarragona").—Valencia. V I I I - 2 ; VIII-4. Importadora de Camiones y Automoviles Ltda.—Larsundi 11, Bilbao. VIII-5. "Indisa" - Industrial y Distribuidora S.A.—Layetana 57, Barcelona, and at San Feliu de Guixols. VIII-2. Industrial y Distribuidora S.A. ("Indisa").—Layetana 57, Barcelona, and at San Feliu de Guixols. VIII-2. Industrias Reunidas Irgas.—Principe 6, and Carral 3, Vigo. VIII-2. "Informaciones".—San Roque 7, Madrid. VIII-5. Jess, E. E. Von.—Colon 8, Vigo. I; VIII-3. Jimenez Tellez, Luis.—Ave. del Generalisimo Franco 31, Malaga. VIII-5. Koreska S.A., Industrias.—Rambla Catalana 17, Barcelona. I; VIII-5. Amended from Koreska, W.—Encina 6, Barcelona, and all branches in Spain. L.A.D.E.S.A. (Laboratorios Dermo-Esteticos S.A.).—Velasquez 17, and J. Juan 28, Madrid. VIII-1. Laboratorio Vekar.—Alberto Bosch 6, and Moreto 10, Madrid. VIII-1. Laboratorios Dermo-Esteticos S.A. (L.A.D.E.S.A.).—Velasquez 17, and J. Juan 28, Madrid. VIII-1. Lacemo S.A.—Jose Antonio 15, Madrid, and at Cadiz. VIII-2. Lana Sarrate, Dr. Isabelo (Aceros Suecos Sandvik).—Diputacion 239 and Muntaner 393, Barcelona. I V - 2 ; VIII-5. Amended from Lana Sarrate, Dr. Isabelo.—Diputacion 239, Barcelona. Lange, Willy.—Jose Antonio 15, Madrid. VIII-2. Lauterbach, Paulo Kunst.—Camelias 32, Barcelona. VIII-1. Lopez Palop, Rafael.—San Roque 7, Madrid. VIII-5. 56 PART II SPAIN AND POSSESSIONS—Continued SPAIN—Continued Additions and Amendments—continued Lubrificantes Dixon-Dixon Oil Co.—Ave. del Generalisimo Franco 31, Malaga. VIII-5. Luis Rodriguez, Eugenio.—Principe 6, and Carral 3, Vigo. VIII-2. M.A.N. Diesel Iberica S.A.—Alcala 45, and Ponzano 75, Madrid. V I I - 6 ; VIII-2. "M.I.N.S.A."-Maquinaria de Precision para Industrias Navales S.A.— Paseo de las Acacias 34, Madrid. VIII-3. Maquinaria de Precision para Industrias Navales S.A. (M.I.N.S.A.).— Paseo de las Acacias 34, Madrid. VIII-3. Maquinista Madrilena, La.—General Martinez Campos 42, Madrid. V I I I - 3 . Martinez Barreiro, Jose.—General Franco 21, Calvario and Romil 146, Vigo. V I I - 5 ; VIII-1. Melchor Vilanova, Manuel.—Pintor Sorolla 13, Valencia. VIII-3. Merben, S.A.—Larsundi 11, Bilbao. V I I I - 5 . Miedel, Alois.—Madrid. VIII-3. Minera S.A., La.—Muntaner 6, and Paseo de Gracia 93, Barcelona. 1 - 1 , VIII-2. Minerales de Espana, S.A.—Gran Via 62, Bilbao, and all branches in Spain. I; VIII-1. Minerales de Hierro de Galicia S.A.—Ave. Martires de Carral 1, Monforte de Lemos (Lugo). VIII-3. Minerales Galaicos S.A.—Ave. Martires de Carral 1, Monforte de Lemos (Lugo). VIII-3. Montaner Barcelo, Juan.—San Vicente 22, Valencia. VIII-3. Moreno Ruiz, Jose.—General Queipo de Llano 2, Cadiz; and Jose Antonio 15, Madrid. VIII-2. Nadal, Joaquin.—Clot 13, Cassa de la Selva, Gerona. VIII-3. Navales Barcia-Manolo Barcia (owners of M.V. "Barcia", S.V. " L e a " , S.V. "Maninos", and S.V. "Olgar").—Corunna. VIII-4. Nicas-Nitratos de Castilla S.A.—Bilbao. VIII-3. Nitratos de Castilla S.A. (Nicas) .—Bilbao. VIII-3. Nogueira, Raul Lupi (Dr.).—Madrid. VIII-2. Ofac S.A. (Oficina Para el Favorecimiento de Articulos Continentales en Espana S.A.).—Layetana 5, Barcelona. VIII-5. Oficina Para el Favorecimiento de Articulos Continentales en Espana S.A.Ofac.—Layetana 5, Barcelona. VIII-5. Oiler, Francisco.—Clot 13, Cassa de la Selva, Gerona. VIII-3. Olympia S.A., Maquinas de Escribir.—Paseo de Calvo Sotelo 25, Madrid. VIII-1. Orto, S.A., Agencia de Publicidad.—Moreto 11, Madrid, and Caspe 26, Barcelona. VIII-5. Pla Font, J.—1Tallers 28, Barcelona. VIII-3. Pombo, Florentino.—Victor Hugo 1, Madrid. VIII-3. Pombo, Jose Manuel.—Victor Hugo 1, Madrid. VIII-3. Prensa Castellana S.A.—Sari Roque 7, Madrid. VIII-5. Priser, Willy—Alcala 45, Madrid. VIII-1. PART II 57 SPAIN AND POSSESSIONS—Continued SPAIN—Continued Additions and Amendments—continued Puig Cusi, Joaquin.—Roger de Lauria 126, and Balmes 167, Barcelona. VIII-3. Queimadelos, Manuel.—Principe 6, Carral 3, and Ecuador 9, Vigo. V I I I - 2 . Quimica Comercial y Farmaceutica S.A., La, (Bayer).-—Barcelona; and Madrid. I; VIII-2. Rabe, Victor.—Hotel Galicia, Valverde 1, Madrid. VIII-1. Radenac, Jean Pierre.—Plaza Cataluna 20, Barcelona. VIII-3. Radiologia, La.—Barquillo 22, Madrid. I; VIII-2. Reboredo Isla, Jose Garcia (owner of "Pilar").—Garcia Olloqui 2, Vigo, and at Villagarcia. I I I - 3 ; VIII-1. Reuss, Otto Pablo.—Ayala 10, and Gurtubay 6, Madrid. I I I - 2 ; V I I I - 5 . Address amended from Alarcon 7, Madrid. Riestra Bertol, Mariano de la.—Villanueva 43, Madrid. VIII-4. Rivas Suardiaz, Angel (owner of M.V. "Chiqui", " F . Goya", and " M a n e n " ) . — Calle del Marques de San Sebastian 15, Gijon. V - 4 ; V I - 4 ; V I I - 2 ; VI1-5; VIII-3. Rodriguez del Arco, Antonio.—Moreto 11, Madrid. VIII-5. Rodriguez Otero, Eugenio.—Principe 6, and Carral 3, Vigo. VIII-2. Rohe, Juan.—Santander. VIII-3. Romero Pring, Federico.—Ave. Generalisimo Franco 25, Huelva. VII1-3. Rosa Mayor, Pedro de la.—Barcelona. VIII-3. Sala Joanama, Juan.—Princesa 37, Barcelona. VIII-3. Schoeri, Ernst.—Jose Antonio 596, Barcelona. VIII-5. Schuessler, Erich (Dr.).—Mendez Alvaro 57, Madrid. VIII-2. Schutt, Walter.—Alcala 45, and Ibiza 35, Madrid. VIII-1. Segado Sanchez, Jose.—Muralla del Mar 7, Cartagena. VIII-5. Sendra Mengual, Juan Bautista.—Cirilo Amoros 79, Valencia. V I I I - 2 . Sendra S. L., Joaquin.—Martires 5, Gandia. VIII-2. Sendra, Hijos de Joaquin.—Valencia. VIII-3. Serna, Victor de la.—Goya 65, Madrid. VIII-5. Soberanas, Papeleria.—Arzobispo Padre Claret 33, Barcelona. VIII-5. Strauss Mac'Hol, Sofia.—Urgel 252, Barcelona. VIII-2. Stussel, Alfredo.—Lavetana 178, Barcelona. 1-1; VIII-1. Suardiaz, Cristina, Viuda de Rivas (owner of "Sancho Panza").—Gijon. V I I - 3 ; VIII-4. Suarez Sanchez, Julio.—Jose Antonio 27, Madrid. VIII-1. Suministros, S.A. de.—Alcala 10, Madrid. VIII-5. Talleres Illueca.—Valencia. VIII-2. Targioni, Eduardo.—Madrid; and Barcelona. VIII-2. Tejidos Industriales Hispalis S.A. (Tihsa).—San Juan Bosco 9, Seville. VIII-3. Tihsa-Tejidos Industriales Hispalis S.A.—San Juan Bosco 9, Seville. VIII-3. Torrabadella Amat, Felix.—Paseo de las Acacias 34, Madrid. VIII-5. Torrez Daza, Francisco.—San Roque 7, Madrid. VIII-5. Villalba Perez, Emilio Jesus.—Recoletos 21, Madrid. VIII-2. Wenkn, Frutz—Alcala 45, Madrid. VIII-1. 58 PART II SPAIN AND POSSESSIONS—Continued SPAIN—Continued Additions and Amendments—continued Wunderling Berger, Paul (Fenix Comercial S.A.).—Ave. del Gen. Franco 371, Barcelona. V I - 2 ; V I I I - 3 . Zantop, Alfred.—Ave. Jose Antonio 778, Barcelona. VIII-3. Deletions Avadic, Solly.—Hotel California, Jose Antonio 38, Madrid. I I I - 4 ; V I I I - 5 . Baldacci, Especialidades Farmaceuticas. —Provenza 427, Barcelona; and Arturio Soria 430, Madrid. 1 - 3 ; VIII-3. Banca Nazionale del Lovoro (Delegation de).—Alcala 62, Madrid, and all branches in Spain. I ; V ; V I I I - 3 . Barale y Bergese.—Serrano 25, Madrid. I; VIII-5. Bedia, Martin.—Ave. del Generalisimo 18, Mondragon. I V - 2 ; VIII-3. Boggio Marzet, Anselmo.—Gijon. II—5; VIII-1. Brana y Boggio.—Gijon. II—5; VIII-1. Busseti, Pier.—Zurbaran 13, Madrid. I; V - l ; VIII-4. Campa Domenech, Raimundo.—Oriente 56, and Plaza Nueva 5, Seville; and Mallorca 270, Barcelona. V-3; VIII-1. Carpi, Ernesto.— Escuelas Pias 23, Barcelona. I V - 2 ; VIII-3. " C e d i s a " - C i a . Espanola de Intercambio, S.A.—Ave. del Gen. Franco 437, Barcelona. V - 6 ; VIII-3. Cervi, Giuseppe.—Menendez Pelayo 10, Seville. I V - 5 ; VIII-5. Comercial Espanola de Productos Electromecanicos. —Ave. Jose Antonio 27, Madrid. I V - 3 ; VIII-3. Comercial Hispano-Neerlandesa Cia. (Nedespana S.A.E.).—Ayala 10, Madrid. I I - 3 ; VIII-5. Comin, Antonio.—Carmen 14, Barcelona; and Jose Antonio 64, Madrid I V - 5 ; V I - 2 ; VIII-4. Consorcio Italo Frances.—Hermanos Irurrinos 22, San Sebastian. I V - 3 ; VIII-5. Corbella Alegret, Ramon.—Marques de Cubas 5, Madrid. V I I - 6 ; V I I I - 2 . Crosigani, Renato.—Angli 8, Barcelona. I I - 5 ; V I I I - 5 . D.I.M.S.A.-Duelas y Maderas S.A.—Oriente 56, and Plaza Nueva 5, Seville. V - 3 ; VIII-1. Dalmaso, Tito.—Granada. I; V I I I - 5 . Distribucion y Propaganda S.A. (D.Y.P.S.A.).—Bailen 119, Barcelona. I V - 4 ; VIII-3. Duelas y Maderas S.A. (D.I.M.S.A.).—Oriente 56, and Plaza Nueva 5, Seville. V - 3 ; VIII-1. Duque, Rufino.—Alcala 97, and Calvo Sotelo 37, Madrid. V I I - 3 ; V I I I - 2 . Espanola de Intercambio S.A. Cia. ("Cedisa").— Ave. del Gen. Franco 437, Barcelona. V - 6 ; VIII-3. Especialidades Terapeuticas S.A. (S.A.E.T.).—Provenza 427, Barcelona. II—4; VIII-3. Europa Comercial Espanola S.A.—Reina 33, Madrid. II—5; VIII-1. F.I.S.A.-Fomento Immobiliaro S.A.—Genova 7, and Ave. Jose Antonio 27, Madrid. I - l ; VIII-3. PART n 59 SPAIN AND POSSESSIONS—Continued SPAIN—Continued Deletions—continued Ferrari, Vicente.—Balmes 32, Barcelona. Ill—1; VIII-3. Filmes Espanoles Soc. Anon. (S.A.F.E.).—Marques de Riscal 10, Madrid. IV-1; VIII-3. Fomento Immobiliaro S.A. (F.I.S.A.).—Genova 7 and Ave. Jose Antonio 27< Madrid. I; V; VIII-3. Foto Gil.—Reyes Catolicos 7, Seville. V-2; VIII-3. Gaertner Zavala y Cia., Ltda.—Plaza Centenario 6, San Sebastian. I j VIII-1. General Mercantil del Atlantico S.A., Cia.—Jose Antonio 27, Madrid. Ill—3j VIII-4. Gomez Monche, Jose.—Genova 7, Madrid. I ; IV-1; VIII-2. Grollero, Anselmo.—Pintor Fortuny 3, Barcelona. 1-4; VIII-1. Grollero, Eugenio.—Pintor Fortuny 3, Barcelona. 1-4; V; VI; VIII-1. Grollero, Jeronimo.—Pintor Fortuny 3, Barcelona. 1 - 4 ; VIII-1. Guilliet Hijos y Cia.—Fernando VI 23, Madrid, and all branches in Spain. I; VIII-5. "H.I.A.F." - Hispano Italo Aleman Films.—Jose Antonio 42, Madrid, and all branches in Spain. V-6; VIII-1. Hals, Hans. - A l f o n s o X I I 7, Madrid. IV-4; VIII-2. Hals A/B, Hans.-Alfonso X I I 7, Madrid. VI-6; VIII-2. Hispano Italo Aleman Films (H.I.A.F.).—Jose Antonio 42, Madrid, and all branches in Spain. V-6; VIII-1. Importacion y Exportacion " I p e " Cia. de.—Hermanos Irurrinos 22, San Sebastian. IV-3; VIII-5. Industrial Corchera, S.A.—Apartado 14, Seville. 1-4; VIII-2. Italo-Espanola de Comercio Ictico Cia.—Hermanos Irurrinos 22, San Sebastian. IV-2; VIII-5. Ittitalia Espana S.A.—Hermanos Irurrinos 22, San Sebastian. VII-3; VIII-5. Lancia Automoviles S.A.E.—Ave. Gen. Franco 437, Barcelona. I; VIII-3. Lenhardi Pastore, Domingo.—Genova 8, Madrid. Ill—4; VIII-5. Leopardi, Conde Corrado.—Lagasca 95, Madrid. Ill—2; VIII-4. Luca de Tena y Ita, Fernando.—Ave. Jose Antonio 27, Madrid. 1-2; VIII-3. Merello Cosmeili, Vittorio.—Alcala 62, Marques del Riscal 10, and General Sanjurjo 24, Madrid. I; VII-4; VIII-2. Miguel Gruas Olano, Miguel de.—Jose Antonio 42, Madrid. V-6; VIII-1. " Moro" S.A., Etablecimientos.—Paseo Tilos, Apartado 186, Malaga, and all branches in Spain. I; V-2; VIII-1. Navarrete del Pino.—Rafael de la Viesca 5, Cadiz. I; VIII-5. Nedespana S.A.E.-Cia. Comercial Hispano-Neerlandesa.—Ayala 10, Madrid, II-3; VIII-5. Palau, Epianuele.—Hotel Gran via, Madrid; and Hotel Oriente, Barcelona. IV-1; VIII-1. Palazzolo, Domenico.—Ave. de Molo, Laredo, Santander, and all branches in Spain. II-5; VIII-1. Palazzolo, Salvatorre.—Ave. de Molo, Laredo, Santander, and all branches in Spain. V-4; V-5; VIII-1. 60 PART II SPAIN AND POSSESSIONS—Continued SPAIN—Continued Deletions—continu ed Palmera, La (Fabrica de Hojas de Afeitar y Tijeras).—Plaza San Juan, and Carretera de Behobia, Irun. V-4; VIII-3. Pannocchia, P.—Pasaje Comercio 1-3, Barcelona. I; VIII-1. Panzano Latufara, Jose Maria.—Palencia. I V - 2 ; V - 4 ; VIII-1. Pavesio, Cesare.—Ave. Gen. Franco 407, Barcelona. I; VIII-3. Pavon Isern, Miguel.—Velazquez 110, Madrid. I I - 3 ; VIII-4. Pernigotti, Ernesto.'—Hotel Gaylords, Madrid. I; VIII-4. Pittini, Giovanni.—Alcala 23, Madrid. I V - 3 ; VIII-3. Productos Carlen.—Genova 8, and Gil Baus, Prosperidad, Madrid. Ill—4; VIII-5. Pujol, Jorge.—Alegre de Dalt 186, San Jose de la Montana, Barcelona V I - 1 ; VIII-3. Racz, Tibor.—Ibiza 3, Madrid. V-5; VIII-3. Rava, Oscar.—Ave. Gen. Franco 437, Barcelona; and Palace Hotel, Madrid. I; VIII-3. Rossini, Giovanni.—Duque de Sexto 31, Madrid. I V - 5 ; VIII-5. S.A.E.T.-S.A. Especialidades Terapeuticas.—Provenza 427, Barcelona. II—4; VIII-3. S.A.F.N.I., S.A. Fertilizzanti Nazionali Italiani.—Marques del Riscal 10, Madrid. I; VIII-2. Sciunnach, Angel.—Legazpi 11, San Sebastian. I; VIII-5. Simo Climent, Gonzalo.—Carreteria 54, Malaga. I I I - l ; VIII-1. Simo Perez, Manuel.—Carreteria 54, Malaga. I I I - l ; VIII-2. Soldaduras y Productos Auxiliares S.A.—Hernani, Guipuzcoa. VI-3; VIII-1. Soler Canet, Miguel.—Albareda 13, Barcelona. I; VIII-3. Soler Hnos. y Cia. S.L.—Albareda 13, Barcelona. V I - 4 ; VIII-3. Trucchi, Pasquale.—Ave. Jose Antonio 27, Madrid. I V - 4 ; VIII-3. Velasco, Casimiro.—Apartado 67, Gijon. I V - 2 ; VIII-5. Viale, Mario.—Provenza 427, Barcelona. 1 - 3 ; VIII-3. Vollmer, Juan.—Ejercito Espanol, Irun. V - 4 ; VIII-3. Vollmer & Cia. S.L., Juan.—Plaza San Juan, and Carretera de Behobia, Irun. V - 4 ; VIII-3. CANARY ISLANDS Additions and Amendments Competencia, La.—Mendez Nunez 66, Santa Cruz, Tenerife. V I I I - 2 ; VIII-4. " Electro Bazar'-Manuel Padron Espino.—Triana 126, Las Palmas. V I I I - 5 . Elvers, Maximo.—Puerto de la Cruz, Tenerife. VIII-5. Gonzalez Martinez, Julio (owner of M.V. "San Rafael Archangel" (ex "Delfin") and "Maria del Pilar G . " (ex "Maria Bonmatti").—Las Palmas, Grand Canary. I; V I - 1 ; VIII-4. Hertzcg, Enrique.—Calle Candelaria, Santa Cruz, Tenerife. V I I - 6 ; V I I I - 1 . PART II 61 SPAIN AND POSSESSIONS—Continued CANARY ISLANDS—Continued Additions and Amendments—continued Janssen, Wilheim.—Marina 8, Santa Cruz, Vista Bella, Santa Cruz and Tacoronte, Tenerife. V I I - 6 ; VIII-1. Jess Bossi, Jose.—Alvareda 10, Puerto de la Luz, Las Palmas, Grand Canary. I; V I I - 6 ; VIII-1. Jimenez Marti, Fernando.—Perdomo 16, Las Palmas. VIII-5. Koester, Johannes.—Domingo J. Navarro 29, P.O. Box 285, Las Palmas. VIII-5. Martin Dominguez, Alberto.—Valentin Sanz 13, Santa Cruz, Tenerife. VIII-2. Padron, Espino Manuel ("Electro Bazar").—Triana 126, Las Palmas. VIII-5. Perez Alayon, Nicolas.—Los Campos 8, Santa Cruz, Tenerife. VI i I - l . Perez Priegue, Jose.—Clavet 9, P.O. Box 255, Las Palmas. VIII-5. Zinsel, Hans.—San Francisco 23, Santa Cruz, Tenerife. VIII-2. Deletions "Electro Moderna" Walter Jablonowski.—Las Palmas, Grand Canary. VIII-5. I-lj FERNANDO PO AND SPANISH GUINEA (RIO MUNI) Additions and Amendments Boddien, Joaquim Von.—Kego. I; VIII-3. SWEDEN Additions and Amendments Allkos A/B.—St. Eriksgatan 56, Stockholm. VIII-2. Anderson, August Adolf.—Stockholm. VIII-3. Andersson, Uno Samuel.—Kammakaregatan 38, Stockholm. V I - 5 ; V I I I - 2 . Backstroms, C. D., A/B.—Drottninggatan 70, Hornsgatan 56, and Odengatan 98, Stockholm. VIII-1. Battjanst A/B (owners of M.T. "Granska").—Norr Malarstrand 78, Stockholm. V I I - 3 ; V I I - 4 ; VIII-5. Name amended from Battjanst A/B. Befrits, Adolf Harald.—Stockholm. V I I I - 3 . Bengtson, John.—Degerfors. VIII-5. Berg, G. A., A/B.—Kungsgatan 35, Stockholm. VIII-5. Bergstrom, Carl Johan.—Stockholm. VIII-3. Bratt, John Lennart.—Kungsgatan 48, and Eriksbergsgatan 44, Stockholm. V I I - 6 ; V I I I - 1 ; VIII-3. Dagsposten A/B.—Stockholm. VIII-5. Decker, Heinrich Otto.—St. Eriksgatan 48, and Karlavagen 25, Stockholm, V-4; VIII-1. 62 PART II SWEDEN—Continued Additions and Amendments—continued Diesel, E. & Co. A/B.—Nybrokajon 7, Stockholm. VIII-5. Egon, Rederi A/B.—Limhamn. VIII-5. Elektroholm, A/B.—Gavlegatan 18, Stockholm. V I I - 5 ; V I I - 6 ; VIII-2. Fleetwood, Svarvte Miles.—Stockholm. V I I I - 3 . Folkets Dagblads Andelsforening.—Klara Norra Kyrkogatan 17, Stockholm. VIII-3. Fornende Linjefart A/B.—Jarntorget 83, Stockholm. VIII-5. Frankenthal, Erwin.—Komhamnstorg 49, Stockholm. VIII-4. Gabler, Hans.—Arkitektvagen 64, Abrahamsberg, Stockholm. VIII-2. General Aero A/B.—Stureplan 19, Stockholm. VIII-1. Green, Ernst—Ystad. VIII-1. Guldsmedsbolagets i Stockholm Forsaljmngs.—Biblioteksgatan 12, Stockholm. VIII-1. Hedenstrom, Olof.—Stockholm. VIII-5. Helima, Ur A/B.—Kungsgatan 27, Stockholm. VIII-1. Hogstrom, Oscar.—Stockholm. VIII-5. Horndahl, Victor.—Djaknegatan 2, Malmo. VIII-1. Ikora A/B.—Norrmalmstorg 1, Stockholm. VIII-5. Jarnhs Kyi A/B.—Fabriksgrand, Sundbyberg. VIII-1. Johansson, Herman Mattias.—Stockholm. V I I I - 4 . Jonsons Linkoping A/B, P.—Tradgardsgatan 17, Stockholm. I ; V I I I - 3 . Kontinentale Olje & Handels A/B.—Birger Jarlsgatan 73-75, Stockholm. VIII-2. Kreuz A/B., Walter.—Vastmannagatan 1, Stockholm. VIII-1. Leube, Kurt C. O — Malmo. VIII-2. Lignomaverken, Wallenborg & Co.—Birger Jarlsgatan 73-75, Stockholm, and at Sodertalje. VIII-2. Liljequist, Emil Arvid!—Skarosta Gard, Ostertalje. VIII-5. Limhamns Skeppsmakleri A/B.—Limhamn. VIII-5. Lindegren & Rae A/B.—Bradgrand 2, Stockholm. VIII-3. Lindholm & Co. A/B, Uno.—Kungsgatan 48, Stockholm. VIII-5. Lindholm, Jons Uno Teodor.—Kungsgatan 48, Stockholm. VIII-5. Loving, Arthur (Capt.).—Limhamn. VIII-5. Lundblad, Uno.—Stockholm. VIII-5. Malmros, Jarl Wilhelm.—Trelleborg. VIII-3. Malmstedt, Carl B. F. (Capt.).—Spanggatan 63, Malmo. V I I - 6 ; VIII-3. Metallisering A/B.—Bradgrand 2, Stockholm. VIII-5. Modin, Bror Axel Uno.—Stockholm. VIII-4. Monnig, Heinz Heinrich Emil.—St. Eriksgatan 56, Stockholm. VIII-2. Neumaier, Friedrich.-—Kungsgatan 27, Stockholm. VIII-2. Neumeyer, Friedrich.—Kungsgatan 27, Stockholm. VIII-1. Nordiska Elektriko A/B—Stockholm. VIII-5. Nord og Syd, Forsikrings A/S.—Gustav Adolfstorg 4, MalmS. V I I I - 2 ; VIII-4. Olsson, Ernst Arvid.—Helgegatan 36, Stockholm. VIII-3. Ornberg, Arthur.—Stureplan 19, Stockholm. V I I - 5 ; VIII-1. Ossbahr, Carl Patric.—Stockholm. VIII-5. PART II 63 SWEDEN—Continued Additions and Amendments—continued Rederi A/B Egon (owners of s.s. "Egon", s.s. "Libau", s.s. "Ludwig", s.s. "Sven").—Limhamn. VIII-5. Rosengren, Sven Erik.—Stockholm. VIII-5. Rosenlund, Ingvar Karl V.—Norr Malarstrand 78, Stockholm. VIII-2. Rosier, Richard.—Sveavagen 33, Stockholm. VIII-2. Scandinavian Tankshipping A/B.—Tessinsvaetan IB, Malmo. VIII-1. Scharrer, Eugen.—Rindegatan 52, Stockholm. VIII-5. Schaub & Co. A/B.—Enskede, Stockholm, and all branches in Sweden. VIII-2. Schmitz A/B, Robert.—Regeringsgatan 52, Stockholm. V - 3 ; VIII-5. Name amended from Schmitz, Robert. Schneider, J., A/B.—Vastmannagatan 1, Stockholm. VIII-1. Seger A/B, Parfymerie.—Stockholm. VIII-5. Sipla A/B.—Sjobjornsvagen 10, Stockholm. VIII-5. Sjoberg & Bergsten A/B.—Kornhamnstorg 49, Stockholm. VIII-3. "Sjostjarnan" Rederi A/B (owner of s.s. "Masen").—Brandgrand 2, Stockholm. VIII-5. Skandinaviska Travaruagenturen Ake Wettergren.—Regeringsgatan 22, Stockholm. I I - 4 ; VIII-2. Soderlund, Carl Axel.—Stockholm. VIII-5. Soderstrom, Carl Axel.—Asa Sateri. VIII-5. Stadsgadsmagasinet A/B.—Stadsgarden 34-36, Stockholm. VIII-5. StefTen, Fritz.—Styrmansgatan 17, Stockholm. VIII-1. Stjerna, Carl L. O. —Limhamn. VIII-5. Stjerna, T. Egon.—Malmo. VIII-5. Svensk Amerikanska Tradkompaniet A/B.—Reveringsgatan 1, Stockholm. V I I - 5 ; VIII-1. Svenska A/B., Flohrs Hissar.—Sveavagen 33, Stockholm. VIII-1. Svenska Hamburglinjen A/B (owners of S.S. " K n u t " and S.S. "Nisse").— Trelleborg. VIII-3. Tappert, Willy.—Rindogatan 21, Stockholm. VIII-1. Telander, Olof Teodor.—Grev Turegatan 62, Stockholm. VIII-5. Texotan, Kemiska Fabriken A/B.—Centrumhuset, Goteborg. VIII-1. Trosaverken A/B.—St. Eriksgatan 48, Stockholm, and at Trosa. VIII-5. TJnido A/B.—Stockholm. VIII-5. Wallenborg, Arvid Harry.—Birger Jarlsgatan 73-75, Stockholm. VIII-2. Wallenborg, Knut Tore Arvid.—Birger Jarlsgatan 73-75, Stockholm. VIII-2. Wallenborg, C. A., & Son.—Birger Jarlsgatan 73-75, Stockholm. VIII-2. Wallenborg Kol A/B.—Birger Jarlsgatan 73-75, Stockholm. VIII-2. Wallenborg Motor A/B.—Birger Jarlsgatan 73-75, Stockholm. VIII-2. Wenzel, Arthur.-—Herkulesgatan 28, Stockholm. VIII-1. Wettergren, Ake (Skandinaviska Travaruagenturen).—Regeringsgatan 22, Stockholm. 1 - 2 ; I I - 5 ; VIII-4. Wilke, Carl Erik Ericsson.—Stocksund. VIII-5. Winkle, Eugen.—Orebro and Stockholm. VIII-1. Wunsche, Robert Gotthard.—Stockholm. VIII-3. 64 PART II SWEDEN—Continued Deletions Agencia de la Papelera Espanola (Hans Hals).—Almlofsgatan 1, Stockholm. V I I - 1 ; VIII-2. Bolle A/B, Georg.—Herkulesgatan 28, Stockholm. V I I I - 1 ; VIII-5. Finno, A/B.—Smalandsgatan 4, Stockholm. V - l ; V I I I - 2 . Fransk-Nordiska Handels-Kompaniet A/B.'—Kungsgatan 55, Stockholm. V - 3 ; VIII-5. Hals, Hans.—Almlofsgatan 1, Stockholm. V I I - 1 ; VIII-2. Hals A/B, Hans.—Almlofsgatan 1, Stockholm. V I I - 1 ; VIII-2. Kinofa A/B.—Klara Norra Kyrkogatan 29, Stockholm. V I I - 3 ; V I I - 4 ; VIII-5. Nordiska Travaruagenturen, Ake Wettergren.—Regeringsgatan 22, Stockholm. 1 - 2 ; I I - 4 ; VIII-2. Nordiske Skinnauktioner A/B.—Gavlegatan 20, Stockholm. 1 - 4 ; V - l ; VIII-1. Oehlenschlagers, Eftr. D. A/B.—Sodergatan 10, Malmo. V I - 1 ; VIII-5. Paullig, Walter Albert.—Klarabergsgatan 60, and Ostermalmsgatan 103, Stockholm. V I I - 3 ; V I I - 4 ; VIII-3. Savabini, Anatolio.—Birger Jarlsgatan 15, Stockholm. Ill—4; I V - 6 ; V I I I - 3 . Scharfenberg & Co., A/B, Hugo.—Drottninggatan 20, Goteborg. V I - 1 ; VIII-5. Semda A/B.—Kyrkogatan 20, Goteborg; and Svartensgatan 12, Stockholm. I; VIII-1. Silfverschiold, Carl Otto.—Tolo. V I I - 6 ; VIII-5. Stjerngren, Ragnar.—Kungsgatan 37, Stockholm. V - l ; VIII-3. Stille, Nils Gustaf Albert—Stockholm. V - 4 ; VIII-2. Svenska Carbolore A / B — Sundbyberg. V I - 1 ; VIII-5. Svenska le Carbone A/B.-—Karlsbodavagen 229, Sundbyberg. V I - 1 ; VIII-5. Towsig A/B.—Kungsgatan 37, Stockholm. V - l ; VIII-3. Transportbransle A/B.—Ostermalmsgatan 103, Stockholm. V I I - 3 ; V I I - 4 ; VIII-3. Ungerska Exportkontoret A/B.—Klarabergsgatan 60, Stockholm. V I I - 3 ; VII-4; VIII-3. Wagner's Nederlag, Guenther. 1 —Stockholm. I; VIII-1. Walstedt, Adolf.—Kungsgatan 55, Stockholm. V - 4 ; V I I I - 5 . Werner & Werner, A/B.—Gotgatan 81, Stockholm. V I - 1 ; V I I - 6 ; V I I I - 2 . 1 Gunther Wagner A / B . remains on the list of Specified Persons. SWITZERLAND Additions and Amendments Accordina A.G.—Churerstr. 974, Altstaetten, St. Gallen. IV-3; VIII-1. Agence Geographique d'Actualite S.A.—Bvd. du Theatre 10, Geneva. V-5; VIII-1. Akomfina A.G.—Genferstr. 34, Zttrich. I; III-4; VIII-3. Allgemeine Beteiligungen, A.G. fuer.—Glarua. VIII-1. PART II 65 SWITZERLAND—Continued Additions and Amendments—continued Alsat S.A.—Place de la Gare 12, Lausanne. VIII-2. Aubert, Jacques.—Bvd. du Theatre 10, Geneva. I V - 1 ; VIII-1. Aubert et Cie. les Editions du Rhone.—Bvd. du Theatre 10, Geneva. IV-5; V I I - 2 ; VIII-1. Baechtold, Hans.—Steinerstr. 24, Basel. VIII-5. " B e f r e " , A.G. fur Beteiligungen in der Fremden-Industrie.—Chur. VIII-1. Benaroya, Frida.—Rue de l'Athenee 42, Geneva. VIII-1. Benaroya, Leon.—Rue de l'Athenee 42, Geneva. VIII-1. Benbasset, Albert.—Ave. Bertrand 6, Geneva. VIII-1. Benbasset, Ella Karola.—Ave. Bertrand 6, Geneva. VIII-1. Bergwerks Industrie & Handels Gesellschaft A.G.—Glarus. VIII-3. "Blau-Gold" A. G.—Stockerstr. 38, Zurich. VIII-3. Boller-Benz H. & Co., A. G.—Albisriederstr. 184, Zurich. I I - 3 ; VIII-3. Bourquin, Constant.—Crets de Champel 4, Geneva. VIII-5. Buehler, Hans.—Sennheimerstr. 50, Basel. V I I - 1 ; VIII-1. Bussy, Andre.—Badenerstr. 119, Zurich. VIII-3. Chemische und Pharmaceutische Produkte A. G.—Bahnhofstr. 23, Zurich VIII-2. Curti, Oscar.—Zurich. VIII-3. Delphin Vermogens Verwaltungs A.G.—Frohbergstr. 14, Schaffhausen. VIII-1. Dental Products Ltd.-Produits Dentaires S.A.—Rue des Bosquets 18, Vevey, Vaud. VIII-4. Diener, Albert.—Bederstr. 76, Zurich. V I I - 5 ; VIII-2. Dionisio, Elvezio.—Chiasso. V I I - 6 ; VIII-1. Edelstahl A.G., Vereinigte.—Postgasse, Glarus. VIII-1. Editions du Cheval Aile.—Crets de Champel 4, Geneva. VIII-5. Fabrique Solvil des Montres, Paul Ditisheim S.A.—Rue du Stand 59, Geneva. VIII-1. Fapa S.A.—Rue Etraz 11, Lausanne. VIII-3. Fintre S.A.—Rue du Commerce 2, Geneva. VIII-5. Florentin, Adrienne.—Rue du Prince 11, Geneva. VIII-1. Florentin, Marie Gabrielle.—Quai du Blanc 23, Geneva. VIII-1. Florentin, Max.-—Rue du Prince 11, Geneva. VIII-1. Florentin, S. S. M.—Quai du Blanc 23, Geneva. VIII-1. Gaea S.A.—Bundesplatz 2, Bern. VIII-1. Genossenschaft Walche, A.G.—Glarus. VIII-1. Goedecke, H. A.—Aeschengraben 13, Basel; and Stampsfenbachstr. 105, Zurich. 1 - 4 ; VIII-3. Goedecke & Co.—Basel, and at Ziirich. VIII-3. Grimm, H., & Co.—Dornacherstr. 248, Basel. VIII-2. Groepler-Walde, Paul Jules.—Leimenstr. 27, Basel. VIII-2. Gruyer, H. D.—Augustastr. 53, Zurich. VIII-5. Gut-Zehnder, Hans.—Seestr. 92, Erlenbach, Zurich. VIII-1. " G u v a g " , Gutervertriebs A.G.—Letzigraben 106, Zurich. VIII-2. Hauer, Heinz (Dr.).—Spyristr. 24, Zurich. VIII-3. Hauer, Zum Blau-Gold-Hof Emil.—Stockerstr. 38, Zurich. VIII-3. 66 PART II SWITZERLAND—Continued Additions and Amendments—continued Hausheer, Werner.—Letzigraben 106, Ztirich. VIII-2. Hofmann, Edwin.—Dufourstr. 17, Zollikon, Zurich. VIII-1. Holzach, Paul.—Talstr. 15, Zurich. VIII-2. Hora A.G.—Boersenstr. 26, Zurich. VIII-1. Intercommerz A.G.—Talstr. 15, Zurich. VIII-2. In-Und Auslandisclie-Werte A.G. fur.—Fronwagplatz 27, Schaffhausen. II—4; VIII-1. Klepper-Mantel A.G.—Uraniastr. 14, Zurich. I ; VIII-4. Kosmea A.G.—Bahnhofstr. 23, Zug. VIII-2. Krahl, Otto—Bahnhofplatz 7, Bern. VIII-2. Lambereier, Georges.—Rue Madame de Stael 3, and Rue des Paquis 59, Geneva. I; VIII-1. Libella A.G.—Baumleingasse 22, Basel. VIII-2. Link, Andreas.—-Churerstr. 974, Altstaetten, St. Gallen. VIII-2. Luzi A.G., Hermann.—Stampfenbachplatz 2, Zurich. I; VIII-5. Name amended from Luzi, Hermann. Marfurth, E. C. (Dr.).—Haldenstr. 37, Lucerne. VIII-2. Matas, Alfred.—Quai Wilson 39, Geneva. VIII-1. Matas, Arthur.—Quai Wilson 39, Geneva. VIII-1. Matas, Pilar.—Quai Wilson 39, Geneva. VIII-1. Meyer, Conrad (Dr.).—Lowenstr. 17, Zurich. I V - 4 ; VIII-4. Meyer, Walter.—Loewenstr. 17, Zurich. VIII-1. " M i w a g " Maschinen Instrumente & Werkzeuge A. G.—Loewenstr. 2, Zurich. VIII-3. Modiano, Rosetta.—Hotel de la Paix, Geneva. VIII-1. Modiano, Vitale.—Hotel de la Paix, Geneva. VIII-1. Moehl-Boller, Paul.—Albisriederstr. 184, Zurich. VIII-3. Mugnaini, Modesto.—Klosterweg 10, Zurich. VIII-5. Mumenthaler, Max.—Universitaetsstr. 46, Zurich. Ill—2; I V - l ; V - 2 ; VIII-1. Omnium Trustgesellschaft A.G.—Glarus. VIII-1. Opes A. G.—Glarus. VIII-1. Organa S.A.—Stockerstr. 38, Zurich. VIII-3. Ost Montan A.G.—Bundesplatz 2, Bern. VIII-1. Pantag A.G.—Sennheimerstr. 50, Basel. V I I - 1 ; VIII-1. Parfal S.A.—Rue Petitot 10, Geneva. VIII-2. Paukner, Emil.—Moserstr. 14, and Posthof 9, Schaffhausen. I ; VIII-1. Peter, Otto (Dr.).—Albisriederstr. 184, Zttrich. VIII-3. Pfenninger & Co., Ernst.—Kanonengasse 15, Basel. VIII-5. Pina, Alberto.—Dufourstr. 80, Zurich. V I - 1 ; VIII-4. Plansilva A. G.—Bahnhofstr. 23, Zurich. VIII-2. Produits Dentaires S.A. (Dental Products Ltd.).—Rue des Bosquets 18, Vevey, Vaud. VIII-4. Reinegger, Emil.—Zttrich. VIII-2. Ritzmann, Hermann W. (Dr.).—Viale Carlo Cattaneo 1, Lugano. V I I I - I . Rodio, Giovanni.—"Chez Alva", Campfer, St. Moritz. I V - 4 ; VIII-1. Ronchetti, Guido.—Villa Lucciola, Montagnola (Ticino). V - l ; VIII-1. PART I 67 SWITZERLAND—Continued Additions and Amendments—continued Sacova.—Rue Enning 2, Chez Paul Devincenti, Lausanne. 1 - 1 ; V I - 2 ; VIII-1. Santini, Bruno.—Ave. du Leman 4, Lausanne. VIII-2. Schliewen, Heinz.—Hotel des Bergues, Geneva. VIII-2. Schneider, Ernst (Transpharm A.G.).—Zurich. V I I - 5 ; VIII-2. Schoeri, Ernst.—Jenatschstr. 10, Zurich. VIII-5. Societe Financiere de Gaz (Sofigaz).—Bundesplatz 2, Bern. VIII-1. Sofigaz-Societe Financiere de Gaz.'—Bundesplatz 2, Bern. V I I I - 1 . Solvil S.A., Societe pour la Vente en Suisse des Produits.—Geneva. VIII-5. Sozen, Sakir.—Place de la Gare 12, Lausanne. VIII-2. Spaeter, A.G., Karl.—Viadukstr. 60, Basel. VIII-2. Spaeter, Karl, & Wilhelm Oswald Unternehmungen A.G.—Haupstr., Glarus. VIII-2. Specker, Charles Emil.—Talstr. 24, Zurich. V - 2 ; VIII-1. Stephanaeum S.A.—Bundesplatz 2, Bern. VIII-1. Straehl, K. F., G.m.b.H.—Rebberg, Zofingen. I I I - 4 ; VIII-3. Synthaer A. G.—Glarus. VIII-3. Terra Verlag G.m.b.H.—Dufoustr. 17, Zollikon, Zurich. V I - 2 ; VIII-1. Terrafina A.G.—Bahnhofstr. 20, Zfirich. VIII-5. Triton Beteiligungs und Verwaltungs A.G.—Frohbergstr. 14, Schafifhausen. VIII-1. Trust Commercial et Industriel S.A.—Webernstr. 24, Bern. VIII-2. Turm Verlag—Stockerstr. 9, and Toedistr. 18, Zurich. V - l ; V I I - 4 ; VIII-3. Vallabrica, Jean.—Hotel de Russie, Geneva. VIII-1. Valmobil S.A.—Rue Gustave-Maynier 4, Geneva. I ; V I I I - 5 . Address amended from Rue de la Tour de Pile 1, Geneva. Venzi-Negri, N.—Samaden, Graubueden. VIII-5. Vogel, Paul.—Rue du Stand 59, Geneva. VIII-1. Vontobel, J. & Cie—Zurich. VIII-5. Wagner, Jean Berthoud.—Bocklinstr. 37, Zurich. V I I I - 2 . Wattenwyl, Erich Von (Dr.).—Lucerne. V I - 2 ; VIII-3. Weiss, Roger Von.—Gumligen. V I I - 5 ; VIII-3. Wilburger, Martin.—Limmatquai 116, Zfirich. V I I I - 5 . Wuhrmann-Maeder, Samuel E.—Pilgerstr. 19, Basel. VIII-2. Deletions Allgemeine Beteiligungen, A.G. fuer.—Glarus. V I I I - 1 ; V I I I - 5 . Appareils Pathe-Baby S.A.—Rue de la Rotisserie 4, Geneva. V - l ; VIII-4. Bianchini, Ferier & Cia.—Place Molard, Geneva. I V - 3 ; V I I I - 4 . Carbone, S.A. Le—Kirchenfeldstr. 68, Bern. I V - 2 ; VIII-4. Casino-Gesellschaft.—Steinenberg 14, Basel. 1 - 2 ; VIII-4. Chemie Holding S.A.—Glarus. V - 5 ; V I - 2 ; VIII-4. " C i p a " Compagnie D'Importation de Produits Alimentaires.—Rue de la Cite 22, and Rue de la Corraterie 14, Geneva. I I - 5 ; I I I - l ; VIII-5. Citroen S.A. pour la Vente en Suisse des Automobiles.—Rue Philippe Plantamour 28-36, Geneva. V - 4 ; VIII-5. 68 PART II SWITZERLAND—Continued Deletions—continued Claude-Paz et Sylvia Etablissements, Paris Succursale de Altstetten (S.Apour les Applications de l'Electricite et des Gaz Hares).—Badenerstr 745, Zurich. V - 5 ; VIII-4. Colin, Alexander.—Hotel Central-Bellevue, Lausanne. V I - 4 ; VIII-3. Columeta A.G.—Steinenring 51, Basel. II—5; VIII-1. Compagnie D'Importation de Produits Alimentaires " C i p a " . — R u e de la Cite 22, and Rue de la Corraterie 14, Geneva. I I - 5 ; I I I - l ; V I I I - 5 . Corti & Co. Ch., Agostino (Dr.).—Lugano. I; VIII-1. Dekker, J.—Pelikanstr. 3, Zurich. I V - 2 ; I V - 3 ; VIII-2. Delorme, Leon Luis.—Rue de la Cite 22, Geneva. II—5; VIII-5. Dewatre, Andre.—Villa Bagatelle, Emmenbruecke. V I - 2 ; VIII-5. D'Orsay, Cie. Nouvelle des Parfums a Puteaux (Seine) Succursale de Gen e v e — R u e de la Muse 10, Geneva. V I I - 1 ; V I I - 6 ; VIII-4. Dunant, Georges.—Villa Bagatelle, Emmenbruecke. V I - 2 ; VIII-5. Exploitation des Brevets Forts S.A., Societe Pour L'.—Rue de la Croix d'Or 12, Geneva. V - 6 ; V I I I - 3 ; VIII-5. Filatures de Schappe S.A. (de Lyon).—Kriens, Emmernbrucke and Aeschengraben 15, Basel. I V - 5 ; V - 2 ; VIII-4. Flamenot, Edmee.—Rue du Grand Chene 5, Lausanne. 1 - 1 ; VIII-4. Ganterie, Soc. Anon de.—Rue de Lausanne 6 bis, Morges. V - l ; VIII-5. Gerber, Otto.—Hasenrainstr. 67, Binningen. 1-2; VIII-3. Gestion des Brevets Bagnulo S.A., de.—Rue de la Croix d'Or 12, Geneva. V - 6 ; VIII-5. Gittard, Leon.—Rue d'ltalie 1, Geneva. I V - 2 ; VIII-3. Grebler, Albert—La Chaux de Fonds. I I - 4 ; VIII-1. Haymann, J. Konstanz Filiale Kreuzlingen.—Hafenstr. I l l , Kreuzlingen. I; VIII-5. Hilb, Siegfried Konstanz Filiale Kreuzlingen.—Bahnhofstr. 31, Kreuzlingen. I; VIII-5. Holexport S.A.—Rue de Hollande 14, Geneva. I V - 3 ; V I I I - 4 . "Imbert-Gas" A.G.—Rohrestr. 76, Aarau. I; VIII-5. Kolter, G.m.b.H.—Badenerstr. 16, Zurich. V I - 2 ; VIII-5. Kunstseide und Zellwolle A.G.—Claridenstr. 26, Zurich. V - 5 ; VIII-4. Kunstseiden-Verkaufskontor A.G. (Kavag).—Oberer Graben 36, St. Gallen. V - 4 ; VIII-4. Mannhart, J. C., Konstanz Filiale Kreuzlingen.—Hauptstr. 61A, Kreuzlingen. I; VIII-2. Meisser, Em.—Steinenberg 14, Basel. 1-2; VIII-4. Meyer-Pirkebner, Fritz.—Im Sesselacker 25, Basel. VIII-1. Paolucci, Marquis.—Talstr. 18, Zurich. V I - 1 ; VIII-2. Raffineries Reunies d'Huiles et de Graisses Vegetales.—Rue du Commerce 1, Geneva. I V - 6 ; VIII-4. Rhone-Poulene, Soc. des Usines Chimiques.—Dardagny, nr. Geneva. I; V I I I - 4 . Securit S.A.—Chemin de la Fontaine, Chene-Bougeries, Geneva. I V - 6 ; VIII-4. Silis A.G.—Glarus. V I I - 2 ; VIII-4. PAET II 69 SWITZERLAND—Continued Deletions—continued Sotex, S.A.—Route des Alpes 1, Fribourg; and Bvd. du Theatre 3, Geneva. V - 4 ; VIII-4. Specialites P.P.Z. et Merienne, S.A. Les.—Rue de la Poterie 19, Geneva. I V - 2 ; VIII-4. Steekborn Kunstseide A.G.—Steckborn. I; VIII-4. Toilcir, S.A.—Rue de la Chapelle 3, Geneva. V - 2 ; VIII-5. Viscose Suisse A.G., Soc. de la.—Emmenbruecke. I; V I I I - 4 . Zenith, Soc. Generate des Carburateurs.—Rue General Dufour 22, Geneva. V-6; VI-2; VIII-4. TURKEY Additions and Amendments Agasibay, Selin.—Taksim, Talimhane Topcular Cad. Asri, Apt. 7, Istanbul. VIII-2. Akomer, Suad.—Frank Han, Istanbul. VIII-2. Altay T.A.S.—Gunes Han, Tunnel Cad., Galata, Istanbul. V I I I - 2 . Arel, Etem Osman.—S. Corrakkapi 1264, Galata, Istanbul VIII-3. Austro-Turk, Tutun Sirketi.—Hayrettin Iskelesi, Istanbul; Corakkapi 1264, Izmir; and at Samsun. I ; VIII-2. Baray, Basil.—Ayaz Pasa, Meti Cad. 36, Istanbul. VIII-2. Baraz, Izzet.—Union Han 16-17, Galata; and Bahcekapi Kutlu Han 4, Istanbul. V I I - 6 ; VIII-3. Basar, Ahmet Handi.—Frank Han, Istanbul. VIII-2. Brunschwyler, Conrad.—Mis Sokak 18-2, Efi Apartment, Beyoglu, Istanbul. VIII-5. Brusick, Ernest.—Rihtim Han 16, Atakurk Cad., Izmir. VIII-3. Buyukanit, Sirri.—Minerva Han 26, Voyvoda Cad., Galata, Istanbul. VIII-3. Cemil, Nairn.—Ankara. VIII-5. Ceyhanli Pazari Cemil Turker.—Yeni Andiyeler Sokak 17/1, Tahtakale. V I - 3 ; VIII-5. Address amended from Degirmen Sokak 19, Yemis, Istanbul. Consoli, Edgard.—Adalet Han, Galata, Istanbul. VIII-3. Dikel, Nairn Cemil.—Ankara. V I I I - 5 . Dulceroglu, Lieor.—Minerva Han 26, Voyvoda Cad., Galata, Istanbul. VIII-3. Dumas, Gilber.—Guven Han 130, Hezaren Cad., Galata, Istanbul. VIII-2. Erer, Emin.—Minerva Han 26, Voyvoda Cad., Galata, Istanbul. VIII-3. Freiwald, Alfred.—Bosfor Han 14, Galata, and P. O. Box 1578, Istanbul. VIII-5. Georgevich, Mario.—Arslan Yatagi Sok, Istanbul. VIII-3. Giano, Jean.—Adalet Han, Galata, Istanbul. VIII-3. Gular, Aram.—Vakif Han 6, Galata, Istanbul. V I I I - 2 . Gulerian, Aram.—Istanbul. VIII-2. Halacyan (Haladjian), Aram P.—Sultanhamam Riza Bey Han 12-13, Istanbul. V I I I - 2 . 70 PART II TURKEY—Continued Additions and Amendments—continued Hamdi Basar, Ahmet.—Frank Han, Istanbul. VIII-2. Hartel, Henry.—Baker Han 44-46, Sultanhamam, Istanbul. VIII-3. Herchen, Onnik.—Ahen Munih Han 2, Galata, Istanbul. VIII-3. Hilbert, Georg (Jorj).—Asirefendi Cad. 37, Imar Han 2, Istanbul. VIII-2. Honegger, Jules.—Kefeli Han Alt. 45, Galata, Istanbul. VIII-2. Kalis, Erich.—Istiklal Cad. 505, Beyoglu, Istanbul. VIII-2. Kent, Cevat.—Ferikoy, Ergenkon Cad., Baba Kosta, Apt. 192-194, Istanbul. VIII-2. Kirize, Jean.—Kefeli Han Alt. 45, Galata, Istanbul. VIII-2. Kolatan, Adnan.—Cinar Han, Galata, Istanbul. VIII-3. Lombardo, Aldo.—Anaktar Sokak 7, Cihangir, Istanbul. VIII-3. Mannheimer V. G.—Rue Kurekciler, and Manahvm Han 7-8, Galata, Istanbul. I; VIII-2. Menase, M.—Minerva Han 2, Galata, Istanbul. VIII-2. Menger, Ahmet Veli.—Assikurazione Generali Han, P. 0 . Box 1102, Galata, Istanbul. I; V I I I - 4 . Metin, Ali Hamdi.—Kunduracilar Cad. 40, Trebizond. VIII-3. Missir, Edmond.—Birinci Kordon 230, and P. O. Box 219, Izmir. VIII-3. Mizrahi, Yuda Leon.-—Sabuncu Han 16, Istanbul. VIII-4. Oksay, Adnan.—Vakif Han 6 ci, Galata, Istanbul. VIII-5. Oyoncu Magazasi.—Istiklal Cad. 150, Boyoglu, Istanbul. VIII-3. Parisi, Francesco.—Hudavendigar Han 51, Galata, Istanbul. I; V; VIII-5. Amended from Parisi, Francesco (Representative Ermanno Rappaport).—Taksim, Lamartin Cad. 9, P. O. Box 1304, Istanbul; and all branches in Turkey. Pervanoglu, Aristides.—Ahen Munih Han, Galata, Istanbul. VIII-3. Rappaport, Ermanno.—Taksim, Lamartin Cad. 9, P. O. Box 1304, Istanbul; and all branches in Turkey. I; V; VIII-5. Name amended from Rappaport, Ermanno (Francesco Parisi). Rappaport, Samuel.—Erzurum Han 19, P. O. Box 338, Istanbul. V I - 6 ; VIII-1. Rauschan, W.—Baker Han 44-46, Sultanhamam, Istanbul. VIII-3. Reggio, Christian.—Londra Hotel, Tepebasi, Istanbul, and at Izmir. I I - 5 ; VIII-5. Address amended from Londra Hotel, Tepebasi, Istanbul. Reggio, Fred O. G., Fils Christian Reggio.—Mimar Kemalettin Cad. 1330, Uncu Sokak 5 and P. O. Box 205, Izmir, Istanbul. VIII-5. Rey, Alfonso Luigi.—Amasya Apt., Taksim, Istanbul. VIII-4. Saridakis, Constantin J.—Minerva Han 2, Galata, Istanbul. VIII-2. Schanda, W — K a r a Mustapha Sokak, Galata, Istanbul. V I I - 3 ; VIII-2. Schenker & Co., A.G. (Senker unt Kompani, A.G.).—Adalet Han, Galata, Istanbul. I; VIII-4. Scotto, J.—Vakif Han 4, and Guven Han 130, Hezaren Cad., Galata, Istanbul. VIII-2. Somer, Ismet.—Mahmudiye Caddesi 179, Galata; Boite Postale 1521, and 149 Cumhuriyet Caddesi, Pangalti, Istanbul. V I I - 5 ; V I I I - 3 . Szander, Edward.—Persembepazar, Asian Han 5, Istanbul. VIII-3. Tansever, Hayreddin.—Minerva Han, Galata, Istanbul. V I I - 6 ; V I I I - 4 . 71 PART II TURKEY—Continued Additions and Amendments—continued " T i f a n " Ticaret ve Finansman Ltd., Sirketi.—Bahcekapu, Kutlu Han 17-18, Istanbul. VIII-5. Valyanos, Polichron.—Persembepazar, Asian Han 5, Istanbul. VIII-3. Wartha, Fritz.—Balikpasa, Balikhane Sokak 25, and Sehit Muktar Cad., Taksim, Istanbul. VIII-1. Weidemann, Hans (Dr.), ve Weber, Hans.—Ahen Munih Han 2, Galata, Istanbul. 1-4; VIII-3. Xantopulo, Dimitri.—Alanyak Han, Asirefendi Sokak, Istanbul, and at Izmir. VIII-3. Zarb, John Salvator.—Istiklal Cad. 150, Boyoglu, Istanbul. VIII-3. Deletions Buchtele, Alfred.—Unyon Han 64, Istanbul. I; VIII-3. Cemil ve Ali.—Degirmen Sokak 19, Yemis, Istanbul. V I - 3 ; VIII-5. Cemil Turker ve Ali Sayer.—Degirmen Sokak 19, Yemis, Istanbul. V I - 3 ; VIII-5. Delconte, Raoul.—Mersin. V-4; VIII-2. Dielmann ve Bill.—Yaksud Han, Mertebani Sokak, Galata, Istanbul. V I I - 1 ; VIII-2. Dural, Abdi Vehbi (owner of S.S. "Sevim").—Hezaran Han 2ci Kat, Voyvoda Cad., Galata, Istanbul. I V - 5 ; VIII-3. Faraggi, Leon (Faraci).—Nisantasiyan Han, Galata, Istanbul. I ; VIII-2. Grunstein, L.—Nisantasiyan Han, Galata, Istanbul. I; VIII-5. Levi, Josef.—Germania Han 26, Istanbul. I V - 5 ; VIII-5. Silberman, S.—Nisantasiyan Han, Galata, Istanbul. I; VIII-5. Treves, Joseph.—Nisantasiyan Han, Galata, Istanbul. I; V I I I - 5 . O NOTES