IN THE IOWA DISTRICT COURT FOR POLK COUNTY VERIDIAN CREDIT UNION, PLAINTIFF(S), VS. ZACHARY WAYNE JANES, COURTNEY JANES, ASSOCIATED ANESTHESIOLOGISTS PC, AND PARTIES IN POSSESSION, DEFENDANT(S). ORIGINAL NOTICE TO THE ABOVE-NAMED DEFENDANT(s), COURTNEY JANES: You are hereby notified there was on August 28, 2025, filed in the Office of the Clerk of the above-named Court, a Foreclosure Petition, which prays for foreclosure of a Mortgage in favor of the Plaintiff on the property described herein and judgment in rem in the amount of $232,096.35 plus interest at 3.875% per annum, and for the costs of this action including title costs and reasonable attorney fees and that said sums be declared a lien upon the following-described premises from February 25, 2022, located in Polk County, Iowa, to-wit: LOT 10 IN WISTERIA HEIGHTS PLAT 1, AN OFFICIAL PLAT, NOW INCLUDED IN AND FORMING A PARTY OF THE CITY OF BONDURANT, POLK COUNTY, IOWA That the Mortgage on the above-described real estate be foreclosed, that a special execution issue for the sale of as much of the mortgaged premises as is necessary to satisfy the judgment and for other relief as the Court may deem just and equitable. The attorney for the Plaintiff is Kenneth P. Nelson, Nelson Law Firm, PLLC, 3112 Brockway Road, PO Box 1020, Waterloo, IA 50704-1020, Phone: 319.291.6161, Facsimile: 319.291.6193. NOTICE NOTICE THE PLAINTIFF HAS ELECTED FORECLOSURE WITHOUT REDEMPTION. THIS MEANS THAT THE SALE OF THE MORTGAGED PROPERTY WILL OCCUR PROMPTLY AFTER ENTRY OF JUDGMENT UNLESS YOU FILE WITH THE COURT A WRITTEN DEMAND TO DELAY THE SALE. IF YOU FILE A WRITTEN DEMAND, THE SALE WILL BE DELAYED UNTIL SIX MONTHS (or THREE MONTHS if the petition includes a waiver of deficiency judgment) FROM ENTRY OF JUDGMENT IF THE MORTGAGED PROPERTY IS YOUR RESIDENCE AND IS A ONE-FAMILY OR TWO-FAMILY DWELLING OR UNTIL TWO MONTHS FROM ENTRY OF JUDGMENT IF THE MORTGAGED PROPERTY IS NOT YOUR RESIDENCE OR IS YOUR RESIDENCE BUT NOT A ONE-FAMILY OR TWO-FAMILY DWELLING. YOU WILL HAVE NO RIGHT OF REDEMPTION AFTER THE SALE. THE PURCHASER AT THE SALE WILL BE ENTITLED TO IMMEDIATE POSSESSION OF THE MORTGAGED PROPERTY. YOU MAY PURCHASE AT THE SALE. YOU ARE HEREBY NOTIFIED that unless you appear by completing and filing an Appearance and Answer using the Iowa Judicial Branch Electronic Filing Interface at https://www.iowacourts.state.ia.us/EFile on or before the __25___ day of _December_, 2025_, judgment by default may be rendered against you for the relief demanded in the Petition. If you need assistance to participate in the court due to a disability, call the disability coordinator at (515) 561-5818. Persons who are hearing or speech impaired may call Relay Iowa TTY (1-800-735- 2942). Disability coordinators cannot provide legal advice. YOU ARE ADVISED TO SEEK LEGAL ADVICE AT ONCE TO PROTECT YOUR INTEREST. Iowa Judicial Branch Case No. EQCE091942 County Polk Case Title VERIDIAN CREDIT UNION VS ZACHARY WAYNE JANES ET AL You must file your Appearance and Answer on the Iowa Judicial Branch eFile System, unless the attached Petition and Original Notice contains a hearing date for your appearance, or unless the court has excused you from filing electronically (see Iowa Court Rule 16.302). Register for the eFile System at www.iowacourts.state.ia.us/Efile to file and view documents in your case and to receive notices from the court. For general rules and information on electronic filing, refer to the Iowa Rules of Electronic Procedure in chapter 16 of the Iowa Court Rules at www.legis.iowa.gov/docs/ACO/CourtRulesChapter/16.pdf. Court filings are public documents and may contain personal information that should always be kept confidential. For the rules on protecting personal information, refer to Division VI of chapter 16 of the Iowa Court Rules and to the Iowa Judicial Branch website at www.iowacourts.gov/for-the-public/representing-yourself/protect-personal-information/. If you need assistance to participate in court due to a disability, call the disability access coordinator at (515) 561-5818 . Persons who are hearing or speech impaired may call Relay Iowa TTY (1-800-735-2942). For more information, see www.iowacourts.gov/for-the-public/ada/. Disability access coordinators cannot provide legal advice. Date Issued 11/12/2025 02:57:46 PM District Clerk of Court or/by Clerk's Designee of Polk County /s/ Jacob Schmitt November 21, 28, December 5 2025 LIOW0407869