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Vol. 10 No. 50
Des Moines, Iowa
Iowa and Nebraska Legislative Update
T PRESS time last week the
A
future of Senate File 2276 in the
Iowa Legislature was uncertain.
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Earlier last week the bill had been
returned to committee to be either
revised and developed into a new bill
altogether, or broken down into
several new bills. This action was
prompted by the addition of numer
ous amendments to the original bill,
particularly to the savings and loans
sections. The new legislation ap
parently will deal with expanded
savings and loan powers.
A meeting was scheduled for
Thursday morning to discuss “ four
non-controversial items” ; interest
on escrow, due on sale, points and
the eight percent issue.
SF 2276, or its revised counterpart, is expected to go back for
debate later this week.
The 1982 Nebraska Legislature
passed four bills in the past week
and a half, three of which have been
signed into law at the time of this
writing.
Passed by a 25-22 vote, LB 626, if
signed into law, would allow a multi
bank holding company to acquire
banks as long as the total deposits
did not exceed 10 percent of the
total financial institution deposits of
the state and provide for full service
at existing bank facilities. The bill
would also allow for the establish
ment of two detached facilities
within city limits.
The bill was sent to Governor
Charles Thone who has five days to
either sign or veto it. Previous to its
passing, it was reported that Gov.
Thone stated he would veto the bill,
but at press time no action had yet
been taken.
Carried by a substantial majority,
LB 623 eliminates the usury ceiling
on loans made primarily for business
or ag purposes or loans secured by
real estate for banks and savings
and loans chartered by the United
States and all financial institutions
licensed by the department of bank
ing and finance. This bill, which was
signed into law last week, will not
take effect until 90 days after the
session is over.
LB 779 was an omnibus bill in
that 1) it dramatically increased the
amount state banks can borrow on a
A p ril5 ,1982
direct basis and also dramatically in
creased the total the total amount of
loans and investments state banks
can hold; 2) it provided for greatly
increased investments by state
banks in ag credit and livestock
associations and no limit for banks
owning 80 percent or more of ag
credit or livestock associations; 3) it
further removed all limitations and
form ulas used in determ ining
eligibility for real estate loans and at
the same time increased the ag
gregate amount of real estate loans
state banks can own, and 4) it pro
vided for a balloon payment of any
size, on instalment loans.
LB 779 was signed under the
emergency clause, taking effect im
mediately, as was LB 778, the
fourth bill recently passed by the
Nebraska legislature.
LB 778 provides for variable rate
interest loans and in addition it pro
vides for a 10 day notice before any
interest rate can be increased on con
sumer loans.
Iowa News
DES MOINES: Larry Wenzl, presi
dent o f Capital City State Bank, and
Charles Gustaveson, president of
First Federal State Bank, have
jointly announced the sale of Capital
City’s West Des Moines branch to
First Federal, effective April 1. The
sale follows a mutual decision for
Capital City to concentrate on ser
vicing east side locations, while
CALL ON THE “PERFORM ANCE TEA M ”
where com m on transactions
are handled uncomm only well.
FIR S T N A TIO N A L L IN C O L N
13th & M Street
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Lincoln, Nebraska 68501 • Member, F.D.I.C.
2
Minnesota News
Bemie Kersey
Team w ork:
O ne of the
reasons we’re
first in Iowa.
IOWA-.
nesjvtoines
A
A rSATIOMAL BANK
Member FD ic
First Federal will concentrate on the
west side. Both banks recently
changed their names as reported in
the March 29 Northwestern Banker
Newsletter.
G ALVA: David P. Claussen has
been named executive vice president
and managing officer o f the First
Trust & Savings Bank at Galva. He
previously was assistant vice presi
dent. Gary Geiger was also named
president of the bank. He presently
is chairman of State Bank o f Pennock, Minn, and coordinator of
operations for banks in Madelia,
Minn., Galva and Holstein.
JEFFERSON: Elmer Eggimann
has joined the staff of Brenton State
ASK
JOHN MANGOLD
to make MNB
work for you.
Toll free
1- 800- 332-5991
Merchants
A
National Bank 151
Member F.D.I.C.
A BANKS OF IOWA’ BANK
Jan Townsend
Collections
An Affiliate of Northwest Bancorporation Banco
Call (515) 245-3131 or toll-free (800) 362-2514
Bank as ag loan officer, according to
Roger Rinderknecht, president. He
previously owned his own real estate
and auction firm.
SIOUX CITY: Donald C. Smith has
been elected as assistant vice presi
dent of United Central Bank &
Trust. He will manage the bank’s
West Town office.
Nebraska News
ALBER T LEA: Carroll C. Bergerson, chief executive officer of First
Northwestern National Bank, re
tired April 1. He will be succeeded
by David Noack, bank president
since 1981. Mr. Bergerson began his
banking career in 1939 and joined
the Albert Lea bank in 1965 as presi
dent and chief executive officer. In
1981 he was named chairmen.
EXCELSIOR: Clark W. Connel has
been named vice president o f Minne
tonka State Bank. He was prev
iously assistant vice president in
commercial loans.
HUTCHINSON: Thomas Burich
has been elected executive vice pres
ident and a director of Citizens Bank
& Trust Company. He has also taken on the duties of chief operating
officer and chairman of the ex
ecutive credit committee and the
planning and policy committees.
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CALLAW AY: Margaret Grove has
been appointed assistant vice presi MINNEAPOLIS: A t National City #
dent of Seven Valleys State Bank, in
Bank, James H. Hearon, II, presi
the loan department.
dent, has been named chief execu
GRAND ISLAND: A t Commercial tive officer in addition to his other
National Bank & Trust Company, duties as president. Rolf F. Bjelland £
Betty J. Graves was recently pro was elected executive vice presidentmoted to vice president of the con credit and deposit management;
sumer loan division. She has been Walter E. Meadley, Jr., executive
vice president-asset and liability
with the bank since 1976.
management, and Ernest V. Peter- £
OM AHA: Richard K. Flory, presi son, executive vice president-oper
dent and chairman o f First Westside ations management.
Bank, died last month at Immanual
Medical Center. He had been ill with MINNEAPOLIS: Bruce A. Hagen
cancer. Mr. Flory, who joined the has joined First Bank System Bus- £
bank as president in 1975, began his iness Credit, Inc., as assistant vice
banking career as a messenger-mail president-new business develop
clerk with the Florida National ment. He has most recently served
Bank in Miami in 1950 and served as new business rep for the Central
most recently as chairman of First Region Commercial Loan Financing %
Westside, which he was elected to in Office of General Electric Credit
1981. David Klipsch, senior vice Corporation.
president of United Kentucky Bank
in Louisville, Ky., has been elected PAYNESVILLE: James Holli was
president and chief operating officer recently named vice president for #
of First Westside, effective April 1. the First Bank of Paynesville.
Single System Banking
With
Availability
Availability of funds. . . availability of people. ..
responsive to your needs.
National Bank o f Waterloo
Waterloo, Iowa 50704 Member FDIC
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
A
Phone Milt Hennick
at 1-800-772-2411.
Supplement to
Northwestern Banker Newsletter
4-5-82
Carleton D . Beh Company
Investment Bankers / Financial Consultants
1300 Des Moines Building / Des Moines, Iowa 50309
5 1 5 /2 8 8 -2 15 2
NEW ISSUE
MOODY’S: Aa
We own and offer subject to prior sale and change in price and subject to our attorney’s approving opinion:
$4,700,000
WEBSTER COUNTY, IOWA
General Obligation County Law Enforcement Center Bonds
DATED: May 1,1982
DENOMINATION: $5,000
Both principal and semiannual interest (June 1 and December 1; first coupon due June 1, 1982) payable at the
County Treasurer Office, Fort Dodge, Iowa.
IN THE OPINION OF COUNSEL INTEREST ON THESE BONDS IS EXEMPT FROM ALL PRESENT
FEDERAL INCOME TAXES
MATURITIES
$500,000
$135,000
150,000
165,000
185,000
210,000
$230,000
$260,000
$290,000
91/2%
June 1, 1982
12% %
June 1, 1983
June 1, 1984
June 1, 1985
June 1, 1986
June 1, 1987
10.80%
June 1, 1988
10.00%
June 1, 1989
10.30%
June 1,1990
7.50
$320,000
8.00
8.40
8.80
9.20
9.50
$360,000
10.60%
June 1, 1991
10.90%
June 1, 1992
$400,000
11.10%
June 1, 1993
11.10
$445,000
11.30%
June 1, 1994
11.30
$495,000
11.50%
June 1, 1995
11.50
$555,000
11 Va %
June 1, 1996
11.75
9.75
10.00
10.30
10.60
10.90
LEGALITY TO BE APPROVED BY BELIN, HARRIS, HELMICK & HEARTNEY, ATTORNEYS, DES MOINES, IOWA.
Webster County is located in north central lowa^. Included w ithin the County’s 718 square miles are 15 incorporated cities and all or portions
of 11 comm unity school districts. The largest city within the County is Fort Dodge, county seat and a major manufacturing and retail trade
center of the State. Population in the County has been relatively stable during the past 50 years and is currently estimated by the 1980 census
at 45,953. Commercial banking deposits w ithin the County during 1981 exceeded $327,521,000, supporting excellent retail sales activity of
$247,917,753. Transportation facilities are provided by U.S. Highways 169 and 20, five Iowa primary highways and an excellent network of
paved county roads. U.S. Highway 35 is located approximately 30 miles east of Fort Dodge. The City of Fort Dodge is located in the center of
what is considered to be one of the greatest gypsum deposits in the world. The various gypsum plants surrounding Fort Dodge provide a
diversified line of building and industrial products. These gypsum manufacturers, along w ith other major industries, have given Webster
County an excellent balance between agricultural and industrial productivity.
The proceeds from this issue w ill be used to defray the costs of constructing a new law enforcement center. Designed to be a structure com
prised of four floors, the building will be constructed adjacent to the courthouse and will contain a rifle range, offices of the County Sheriff
municipal police department and the County’s Judicial System.
FINANCIAL STATEMENT
Actual Valuation, estimated 1981
Assessed Valuation, 1981
Net Direct Debt, including this issue
Net Direct Overlapping & Underlying Debt
Population, 1980 Federal Census:
45,953
Combined Net Debt: $286.61 per capita
Net Direct Debt:
$102.28 per capita
$1,204,539,981.00
989,773,751.00
4,700,000.00
13,170,800.00
The information contained herein is not guaranteed, but is derived from sources we deem reliable and is that on which our purchase of these bonds are based.
Bonds of a particular maturity may or may not still be available or may now be available at a price or yield different from that indicated above.
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
Division of
Hutton
& Company Inc.
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
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Considering how
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don’t you agree a
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U N ITED MISSOURI BANK
of Kansas C ity n.a.
Member FDIC
__ £
MMT
*
United we grow.Together.
10th and Grand, Kansas City, Missouri 64106, (816) 556-7200
Supplement to Northwestern Banker Newsletter 4-5-82
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
3
^ 1 have a responsibilty to help our
correspondents deal profitably with
changing regulations, f f
Today, your con
tinued profitability is
as important to
Security National
Bank as it is to you.
Stan Carlson
Correspondent Banker
Security National Bank
Western
Iowa’s
Largest
Sioux City, Iowa 51101 (712) 277-6554 Member FDIC
9
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RICHFIELD: Frank Hlavka has bank or banks must meet the provi
been named manager of the Burns sions of the laws o f Illinois ap
ville office of the Richfield Bank & plicable to banks and bank holding
Trust Co., currently under construc- companies.”
* * *
tioii. Mr. Hlavka previously was
employed by Northwestern National
The Illinois Bankers Association
Bank of St. Paul, managing a will be sponsoring its fourth annual
branch office.
commercial credit conference at the
Continental Regency in Peoria,
Illinois News
The Illinois Bankers Association April 14 and 15. The conference, en
Council of Administration voted un titled “ Components of Commercial
animously, last week, to support Lending” is expected to draw
legislation to allow troubled savings around 300 people.
and loan associations to be merged
into or purchased by banks or bank
holding companies.
James A. Fitch, president of the
association and also president of the
South Chicago Savings Bank said,
“ The purpose of this legislation is to
protect the deposits of the con
sumer, to maintain consumer confidence in financial institutions, and
to keep the deposits in the communi
ty.
“ The way we define a troubled
savings and loan association is to
consider that at the current rate of
operating loss, the savings and loan
would exhaust within a twelve
month period, all their resources or
net worth.
“ Our proposed legislation would
suggest that the acquiring bank or
bank holding company meet the
Federal Reserve capital structure re
quirement. The emergency merger
would be subject to the approval of
the appropriate regulators and the
South Dakota News
PIERRE: Walter H. Burke, long
time Pierre businessman and bank
er, died at his home last month at
the age of 91. He had been in poor
health since last fall. Mr. Burke
joined BankWest, N.A., formerly
Pierre National Bank, in 1920. In
the mid 1930s Mr. Burke and James
McKnight acquired the majority in
terest of Pierre National Bank. Mr.
Burke was named president in 1949,
serving in that capacity until 1968,
when he became chairman, a posi
tion he held until ill health confined
him last fall.
North Dakota News
FARGO: Calvin E. Willemssen has
been elected vice president of First
Bank of North Dakota Fargo in
charge of retail banking, marketing
and personnel. He began his bank
ing career at First Bank of South
Dakota, Sioux Falls, in 1977.
Thinking about
selling your bank?
PM
Consult with
Homer Jensen
or
Dick Buenneke
Over 50 years’ banking
experience
No fee to seller
246 Insurance Exchange Bldg.
Des Moines, Iow a50309
Phone: 515-243-7434
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis
co u n t
Purchase o f
Collections
Sale o f Rare Coins
Reliable and respected service
for over 20 years
SECURITY N A TIO N A L BAN K
^
Estate Appraisals
Used by bankers
throughout the midwest
Ben E . Marlenee
Coins
913 Locust
Des Moines, Iowa 50309
515-243-8064
Montana News
Western Holding Company of
W olf Point recently received ap
proval from the Federal Reserve
Bank of Minneapolis to acquire the
Western National Bank of W olf
Point.
BILLINGS: A t First Bank Billings,
Stewart B. Thomson has joined the
staff as vice president and manager
of the agricultural loan department
and R. Gregg Lovell has transferred
in as a commercial loan vice presi
dent. Mr. Thomson was with First
Bank Bismarck, prior to joining the
Billings Bank. Mr. Lovell’s most re
cent position was vice president
with First Bank West Billings.
HAVRE: Fred Napier has been
elected to the position of vice presi
dent of First Security Bank, accor
ding to John Caven, president, Mr.
Napier joined the bank in 1977 as a
loan officer.
PLENTY WOOD: Security State
Bank recently announced the pro
motion of Jerry L. Wiedebush to ex
ecutive vice president and Alan Dale
to senior vice president. Terry
Coghlan, former executive vice
president, will remain as chairman
through this year and retire in 1983.
B A N K IN G PLA CE M EN TS
“ Successful Banking is Quality Personnel”
Eighteen years banking experience serving as
president of rural and metropolitan banks enables
me to find the “right” banking position for you as a
banker or the “right” officer for your bank.
D Q N - ^ E ( ;H ( X X E R
lr
AND i t i J W ASSOCIATES
901 A. West Jackson* Ozark, Missouri 65721
417/485-6020
COMPLETELY CONFIDENTIAL
_________ “Employment Service”
P O SIT IO N A V A IL A B L E
A G LEN D ER S W A N T E D
if you have two or more years of ag lending experience and
want to move up, we have a select number of positions
open in the midwest. A degree from Iowa State University
or other ag-oriented university will be a definite plus.
Write or call Malcolm Freeland, Freeland Financial Ser
vice, Inc., 246 Insurance Exchange Bldg., Des Moines,
Iowa 50309. Phone 515/282-6362. Employer pays fee. (PA)
S & L M A N A G IN G OFFICER
$100 million Northwest Iowa S & L with excellent
reserves and liquidity needs replacement for retir
ing president (CEO). Seeking profit-oriented appli
cants with strong managerial and administrative
abilities, extensive experience in bank-type com
mercial and consumer lending, good record in fi
nancial sales and advertising, and strong interest
in public relations.
(PA)
Send resume to:
Ivan Stienstra, President
Northwest Federal S & L
Box 1147
Spencer, IA 51301
AN AGGRESSIVE SENIOR LOAN OFFICER for $25 million
urban bank. North west Iowa. Great opportunities. Write
file PBU, c/o Northwestern Banker.
(PA)
PRESIDENT—Immediate opening in $20 million eastern
Iowa bank. Good growth opportunity. Excellent salary,
benefits. Reply to file PBV, c/o Northwestern Banker. (PA)
PRESID EN T
S A V IN G S A N D LO A N
Medium-sized midwest association seeks chief
executive officer with senior management ex
perience in a financial services company.
The association is well-established with good
reserves and located in a smaller metropolitan
area. Send resume, references, and salary history
to: File PBT, c/o Northwestern Banker. (PA)
B A N K E R S A V A IL A B L E
CEOs with solid experience in community banks...........
.......................................................................... to $40,000
Operations/Cashiers/Data Processing Officers . to $26,000
Marketing Officers............................................ to $22,000
Number Two Officers with combination lending and opera
tions experience.............................................. to $28,000
Trust Officer with solid legal education...............$35,000
Ag Lender with two years experience and ISU degree___
..............................................................................$24,000
Write or call Malcolm Freeland, Freeland Financial Ser
vices, Inc., 246 Insurance Exchange Bldg., Des Moines,
Iowa 50309. Phone 515/282-6462. Employer pays reason
able fee.
Would you trust your money with a
sloppily dressed teller? Perhaps your
customers feel the same way. We can
change that for only $1.00 per teller
per day.
M e/iboek^
CAREERAPPAREL
P A R T IA L LIS T OF
A V A IL A B L E POSITIONS
P O SIT IO N W A N T E D
Community banker — Married, 42, and experienced in all
areas, desires position as second man or cashier in Iowa.
Reply to file PBM, c/o Northwestern Banker.
(PW)
OPERATIONS OFFICER—Married, 31, degree, and 8 yrs.
experience in all areas of operations. Currently cashier
with $40 million bank, desire career move with a midwestern bank of $40 million or larger. Reply to file PBW,
c/o Northwestern Banker.
(pwj
AG/COMM’L LENDER—3-5 yrs Ag & Comm’l lending. Ins
license a plus. $20K
BRANCH MGR—Solid S & L bkgd with good communica
tion skills. $21K.
COMM’L LENDER—5+
$35K.
yrs seasoned comm’l lender.
JR. COMM’L LENDER—3 yrs comm’l lending exp. $25K.
STAFF ACCOUNTANT—Acctg degree plus internal audit
knowledge. High Teens.
□ I would like to sell my
majority bank stock.
□ I would like to buy ma
jority bank stock.
Please Contact: J. Mason Henry
Charles E. Walters Co., Inc.
39 Ginger Woods Road, Valley, Nebraska68064
Phone: (402)553-6400
W A N T T O BU Y
Used Coin Counters and/or Sorters. Phone 319/588-2700.
___________________________
(WTB)
OP OFFICER—Good solid banking bkgd. $25K.
ASST CONTROLLER—CPA with SEC and sophisticated
bank exp. $55K.
INTERNAL AUDIT—Degree plus bank audit exp. $25K.
FOR FURTHER INFORMATION
RESPOND IN CONFIDENCE TO:
Olili
01)11
IM I
Bank Division
of Iowa, Inc.
317 6th Ave.
Des Moines, IA 50309
(515) 244-4414
A L L F E E S C O M P A N Y PA ID
USED DIEBOLD ATM & BUILDING—Includes alarm. Total
package $32,500 loaded on truck for delivery to your site.
Contact Karen Miller, Lincoln Bank South. Phone (402)
423-2361.
' fFS{
BANK PLACEMENT SPECIALISTS
(Our33rd year)
Call experienced professionals to locate the
right candidate for your vacancy . . . or the right
“move-up” for yourself.
CORPORATE RECRUITERS
MIDWEST BANKING DIVISION
202 S. 71 st Street
402/393-5515
Omaha, Nebraska 68132
Mosler Vista-Matic, Model #1868-BSD, Drive-up Window.
Excellent condition & working order. Price $1000.00 Con
tact Glenda Wytaske, phone 319/235-9958. Available im
mediately.
jFg,
F IN A N C IA L SP E C IA LIST IN TH E
T W IN C ITIE S A R E A
FO R S A L E
IBM Mag Card-A Typewriter. Top working condition. Two
years old. Always under service agreement. Call for Vickv
at (515) 342-2175. _________
jpg,
THREE MICRO-FISHE READERS—Models COM-150
402/477°’ and Brunin9'4020' Contact Steve Sloup, phone
-----------------1_______________ _______ ____
(FS)
SAVE ON FED FEESII-A NCR 7750, 12 pockets with
microfilmer. Three years old. Ideal for in-house or remote
processing. Contact: Mike Gruttemeyer, phone (402)
348-6137.
(FS)
THREE LEFEBURE DRIVE-UP WINDOWS—COMPLETE
REASONABLE. R.E. Schmidt, 1930 St. Anne Ct„ Dubuque’
Iowa 52001. Phone 319/583-7630.
j FSj
BURROUGHS L-3000—Needs repair or can be used for
parts. Contact Dave Olson, phone 515/532-2854.
(FS)
BURROUGHS L-9900—complete, $4,750. One owner. You
pay freight. Farmers State Bank, Stickney, SD 57375
Phone Greg, 605/732-4264._______
j FSj
TWO NCR 775—single pocket proof machines; one Bur
roughs L-6000 Posting Machine. All excellent condition
Phone Ralph Thomas, (402) 466-2345.
j FS)
SERVING PROFESSIONALLY
Banking, Financial & Business
Personnel, Iowa and Nationwide
Capital Personnel Service
Call Bruce Meyer • 612/835-4466
762y4etro Blvd., Suite 350 • Minneapolis, MN 55435
CJiBsasBr x=s
The Search and Recruiting Specialists
<zHoCdex a n d cd^±±.ocLats,±
Bank Consultants
Specializing in Bank Acquisitions
515-232-0814
P.O. Box 450 405 Main Ames, Iowa 50010
D o n a l d E. H o l d e r , Principal
POSITIONS A V A IL A B L E
AG-LOAN—small rural bank close to larger city. Requires
Degree and 1 - 2 yrs. Ag-lending experience.
$18,000
CORRESPONDENT OFFICER—major midwestern bank.
Must be well versed in Agri credits and Degreed. $30,000
OPERATIONS—responsibility for all internal operations
and computer service firm. $50MM growing southwest
Kansas bank.
$30,000
714 U.C.B. B uilding, 515-283-2545
Des Moines, Iowa 50309
TRUST OFFICER—ideal situation for junior officer with 1 2 yrs. personal trust experience. $150MM bank in com
munity of 40,000 population.
$22,000
IOWA NATIONAL BANK CURRENCY
PROGRAMMER—requires at least 2 yrs. experience with
NCR 8400 and COBOL. Growing suburban bank. $25,000
COMMERCIAL LENDER—metro bank affiliated with one
of the largest midwestern holding companies seeks addi
tion to staff. Degree and lending experience with seven
figure credits required.
$40,000
INSTALMENT LOAN—head small dept, for $30MM subur
ban bank. Must be involved with new business develop
ment$18,000
WANTED
FOR PERSONAL COLLECTION
Also paying top prices fo r other
“ types” of U.S. currency and finan
cial paper.
DON MARK
Box 1, A del, IA 50003 • 515/270-8170
All inquiries confidential. Resume' and salary history re
quested.
TOM H A G A N & A S SO C IA T E S
of Kansas City
P.O. Box 12346 - 2024 Swift
North Kansas City, MO 64116
816/474-6874
“ Serving the Banking Industry Since 1970”
Des Moines, Iowa. Address all mail subscriptions, changes of address (Form 3579), manuscripts, mail Items to above address? ”
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