exv10w27





Exhibit
10.27


     




	 	 	 	 	 
	 
	 

	 	Master Agreement Number 500487 dated as of March 13, 2008	 	 
	Name and Address of Borrower:
	 	 	 	 
	Ready Mix, Inc.
	 	 	 	 
	3430 East Flamingo Road Suite 100
	 	 	 	 
	Las Vegas, NV 89121
	 	 	 	 
	 
	 	 	 	 
	 
	Master Loan and Security Agreement Provisions
	 	 	 	 
	 






	1.	 	INTRODUCTION. In consideration of the mutual covenants set forth herein, Borrower and
Wells Fargo Equipment Finance, Inc, (“Lender”) hereby enter into this Master Loan and
Security Agreement and agree to the terms and conditions set forth herein. Each Loan
Schedule that may be executed by Borrower and Lender from time to time pursuant to this
Master Loan and Security Agreement shall be deemed to be a separate loan transaction
incorporating all of the terms and conditions of this Master Loan and Security Agreement.
References in this Master Loan and Security Agreement to Agreement”, “hereunder” and
“herein” shall mean a Loan Schedule which incorporates this Master Loan and Security
Agreement. References in this Master Loan and Security Agreement to “Loan”
shall mean the loan transaction evidenced by a Loan Schedule. Borrower’s execution of a
Loan Schedule shall obligate Borrower to make all of the payments set forth in the Loan
Schedule. Anything to the contrary notwithstanding, Lender shall have no obligation to
enter into or accept any Loan Schedule and no Loan Schedule shall be binding upon Lender
until accepted by Lender which acceptance shall be evidenced only by the execution of such
Loan Schedule by Lender. This Master Loan and Security Agreement, the related Loan
Schedule(s) and the documents referenced in Section 2 below, together with any other
agreements and documents required by Lender for individual loans covered by the Loan
Schedules, constitute the entire agreement between Lender and
Borrower relating to the loans referenced in the Loan Schedules and may be modified only
by a written instrument signed by Lender and Borrower.
Any provision of this Agreement which is unenforceable in any jurisdiction shall, as to
such jurisdiction, be ineffective to the extent of such unenforceability without
invalidating the remaining provisions of this Agreement, and any such unenforceability in
any jurisdiction shall not render unenforceable such provision in any other jurisdiction.
This Agreement shall in all respects be governed by, and construed in accordance with the
substantive laws of the state of Minnesota.
	 
	2.	 	INCORPORATION OF CERTAIN TERMS. The terms and conditions set forth in (a) that
certain Master Loan and Security Agreement between The CIT
Group/Equipment Financing Inc.,
as Secured Party and Borrower, as Debtor, dated April 5, 2000, and (b) all addendums,
amendments, riders and other related documents thereto. If any, which are together
attached hereto as Exhibit A, are collectively referred to herein as the “Old Loan Terms.” Except as
otherwise provided herein the Old Loan Terms are deemed incorporated herein by
reference and shall be applicable to any Loan Schedule executed by the above named
Lender, provided however that as incorporated herein, all
references therein to
“Lender” shall be deemed to mean the Lender named above and  further provided
that to the extent that any of the provisions set forth in Sections 1 and 3 herein or
in any Loan Schedule conflict with the Old Loan Terms, the provisions set forth in
Sections 1 or 3 herein or the Loan Schedule, as the case may be, shall prevail.
	 
	3.	 	ADDITIONAL AGREEMENT TERMS AND CONDITIONS. Borrower hereby agrees that; a) In the
event any amount payable under the Agreement shall not be paid when due, Lender shall have
the right to assess and Borrower shall pay to Lender as a late charge, 5% of such overdue
amount or the maximum late charge allowed by law, whichever is less and payments
thereafter received shall be applied first to delinquent installments
and than to current
installment; b) maintain a system of accounts established and administered in accordance
with generally accepted accounting principles and practices consistently applied; c)
within one hundred and twenty (120) days after the end of each fiscal year, deliver to
Lender a balance sheet as at the end of such year and statement of operations for such
year, in each case prepared in accordance with generally accepted accounting principles
and practices consistently applied and certified by Borrower’s chief financial officer as
fairly presenting the financial position and results of operations of Borrower, and, in
the case of year-end financial statements, certified by an independent accounting firm
acceptable to Lender; d) an event of default shall occur under any indebtedness Borrower
may now or hereafter owe to any affiliate of Lender; e) any guarantor of this Agreement of
any Loan Schedule shall be subject to all events of default stipulated herein; f) Lender
may in its sole





	 	 	 	 	 	 	 
	Lender: Wells Fargo Equipment Finance, Inc.	 	Ready Mix, Inc., Borrower
	 
	 	 	 	 	 	 
	By:

	 	/s/ [ILLEGIBLE]
	 	By:
	 	/s/ Clint Tryon
	 

	 	 
	 	 	 	 
	Title:

	 	Senior Contract Admin
	 	Title:	 	 CFO, Sec / Treas.






Page 1 of 2









 





discretion, accept a photocopy, electronically transmitted facsimile or other reproduction of this
Agreement and/or a Loan Schedule (a “Counterpart”) as the binding and effective record of this
Agreement and/or a Loan Schedule whether or not an ink signed copy here of or thereof is also
received by Lender from Borrower, provided, however, that if Lender accepts a Counterpart as the
binding and effective record of this Agreement or a Loan Schedule, the Counterpart acknowledged in
writing by Lender shall constitute the record hereof or thereof. Borrower agrees that a Counterpart
of this Agreement or a Loan Schedule received by Lender, shall, when acknowledged in writing by
Lender, constitute an original document for the purposes of establishing the provisions hereof and
thereof and shall be legally admissible under the best evidence rule and binding on and
enforceable against Borrower. If Lender accepts a Counterpart of a Loan Schedule as the binding and
effective record thereof only such Counterpart acknowledged in writing by Lender shall be marked
“Original” and to the extent that a Loan Schedule constitutes chattel paper a security interest may
only be created in the Loan Schedule that bears Lender’s ink signed acknowledgement and is marked
“Original.”, and g) if this Agreement is signed by more than one person as Borrower, the term
“Borrower” shall refer to each of them separately and to both or all of them jointly; all such
persons shall be bound both severally and jointly with the
other(s); and the Obligations shall
include all debts, liabilities and obligations owed to Lender by any Borrower solely or by both or
several or all Borrowers jointly or jointly and severally, and all property described in the
Agreement shall be included as part of the Collateral, whether it is owned jointly by both or all
Borrowers or is owned in whole or in part by one (or more) of them. BORROWER HEREBY WAIVES ANY
RIGHT TO A JURY TRIAL WITH RESPECT TO ANY MATTER ARISING UNDER OR IN CONNECTION WITH THIS
AGREEMENT. TIME IS OF THE ESSENCE WITH RESPECT TO THE OBLIGATIONS OF BORROWER UNDER THIS AGREEMENT.





Page 2 of 2 [ILLEGIBLE]











 





EXHIBIT A




Master Security Agreement



This
Master Security Agreement provides a set of terms and conditions that the parties hereto
intend to be applicable to various loan transactions secured by personal property. Each such loan
and security agreement shall be evidenced by a schedule of indebtedness and collateral (“Schedule”)
executed by Secured  Party and Debtor that explicitly incorporates the provisions of this Master
Security Agreement and that sets forth specific terms of that particular loan and security
contract. Where the provision of a Schedule conflict with the terms hereof the provisions of the
Schedule shall prevail. Each Schedule shall constitute a complete and separate loan and security
agreement, independent of all other Schedules, and without any
requirement of being accompanied by
an originally executed copy of this Master Security Agreement. The term “Security Agreement” when
used herein shall refer to an individual Schedule.



One originally executed copy of the Schedule shall be denominated “Originally Executed Copy No. 1 of
1 originally executed copies” and such copy shall be retained by Security Party. If more than one
copy of the Schedule is executed by Secured Party and Debtor, all such other copies shall be
numbered consecutively with numbers greater than 1. Only transfer of possession by Secured Party of
Originally Executed Copy No 1. shall be effective for purposes of
perfecting an interest in such
Schedule by possession.




1.
Grant of Security Interest: Description of Collateral.



Debtor grants to Secured Party a security interest in the property described in the Schedules now
or hereafter executed by or pursuant to the authority of the Debtor and accepted by Secured Party in writing along
with all present and future attachments and accessories thereto and replacements and proceeds
thereof including amounts payable under any insurance policy, all
hereinafter referred to
collectively as “Collateral.” Each Schedule shall be serially numbered. Unless and only to the
extent otherwise expressly provided in a Schedule, no Schedule shall
replace any previous Schedule
but shall be supplementary to all previous Schedules.




2. What Obligations the Collateral Secures.



Each item of Collateral shall secure not only the specific amount which Debtor promises to pay in
each Schedule, but also all other present and future indebtedness or obligations of Debtor to
Secured Party of every kind and nature whatsoever.




3.
Promise to Pay: Terms and Place of Payment.



Debtor
promises to pay Secured Party the amounts set forth on each Schedule at the rate and upon
such terms as provided therein.




4. Use and Location of Collateral.



Debtor
warrants and agrees that the collateral to be used primarily for:



þ
business of commercial purposes (other than agricultural),


o agricultural purposes (see definition on the final page), or


o both agricultural and business
or commercial purposes




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Location

	 	 	109 Delhi	 	 	North Las Vegas
	 	 	 	NV
	 	 	89030	 
	 	 	 
	 

	 	Address
	 	City
	 	Country
	 	State
	 	Zip Code






Debtor and
Secured Party agree that regardless of the manner of affixation, the Collateral
shall remain personal property and not become part of the real estate. Debtor agrees to keep the
Collateral at the location set forth above and will notify Secured Party property in writing of any
change in the location of the Collateral within such State, but will not remove the collateral from
such State without the prior written consent of Secured Party (except that in the State of
Pennsylvania, the Collateral will not be moved from the above
location without such prior written consent.




5. Late Charges and Other Fees.



Any payment not made when due shall at the option of Secured Party, bear late charges thereon
calculated at the rate of 1 1/2% per month, but in no event greater than the highest rate permitted
be relevant law. Debtor shall be responsible for and pay to Secured Party a returned check fee,
not to exceed the maximum permitted by law, which fee will be equal to the sum of (i) the actual
bank charges incurred by Secured Party plus (ii) all other actual costs
and expenses incurred by Secured party. The returned check fee is payable upon demand as indebtedness secured by the Collateral under this Security
Agreement.




			
	 	 	 
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6. Debtor Warranties and Representations.



Debtor’s warrants and represents;





	(a)	 	that Debtor is justly indebted to Secured Party for the full amount of the indebtedness set
forth on each Schedule;
	 
	(b)	 	that except for the security interest granted hereby, the Collateral is free from and will be
kept free from all liens, claims, security interests and encumbrances;
	 
	(c)	 	that no financing statement covering the Collateral or any proceeds thereof is on
file in favor of anyone other than Secured Party, but if such other financing statement is
on file, it will be terminated of subordinated;
	 
	(d)	 	that all information supplied and statements made by Debtor in any financial, credit
or accounting statement of application for credit prior to contemporaneously with or
subsequent to the execution of this Security Agreement with respect to this transaction
are and shall be true correct valid and genuine; and
	 
	(e)	 	that Debtor has full authority to enter into this agreement and in so doing it is not violating its charter or by laws, any law or
 regulation agreement with third parties, and it has taken all such action as may be necessary or
 appropriate to make this Security Agreement binding upon it.





7. Debtor’s Agreements.



Debtor agrees:





	(a)	 	to defend at Debtor’s own cost any action, proceeding, claim affecting the Collateral;






	(b)	 	To pay reasonable attorneys lees (at least 15% of the unpaid balance if not
prohibited by law) and other expenses incurred by Secured Party in enforcing its rights
against Debtor under this Security Agreement;






	(c)	 	to pay promptly all taxes, assessments, license lees and other public or private
charges when levied or assessed against the Collateral or the Security Agreement and this
obligation shall survive the termination of this Security Agreement;






	(d)	 	that if a certificate of title be required or permitted by law, Debtor shall obtain
such certificate with respect to the Collateral showing the security interest of Secured
Party thereon and in any event do everything necessary or expedient to preserve or
perfect the security interest of Secured Party;






	(e)	 	that Debtor will not misuse, fail to keep in good repair secrete or without the prior
written consent of Secured Party, sell, rent lend, encumber or transfer any of the
Collateral notwithstanding Secured Party’s right to proceeds;






	(f)	 	that Secured Party may enter upon Debtor’s premises or wherever the Collateral may be
located at any reasonable time to inspect the Collateral and Debtor’s books and records
pertaining to the Collateral and Debtors shall assist Secured Party in making such inspection;
and






	(g)	 	that the security interest granted by Debtor to Secured Party shall continue
effective irrespective of any retaking or redelivery of any Collateral and irrespective of the
payment of the amount described in any Schedule so long as there are any obligations of
any kind, including obligations under guaranties or assignments, owed by Debtor to Secured
Party, provided however, upon any assignment of this Security Agreement the Assignee shall
thereafter be deemed for the purpose of this Paragraph the Secured Party under this
Security Agreement.





8. Insurance and Risk of Loss.



All risk of loss, damage to or destruction of the Collateral shall at all times be on Debtor.
Debtor will procure forthwith and maintain at Debtor’s expense insurance against all risks of loss or
physical damage to the Collateral for the full insurable value thereof for the life of this
Security Agreement plus breach of warranty insurance and such other insurance thereon in amounts and
against such risks as Secured Party may specify, and shall promptly deliver each policy to Secured
party with a standard long-term mortgage endorsement attached thereto showing loss payable to
Secured Party and providing Secured Party with not less than 30 days written notice of cancellation,
each such policy shall be in form, terms and amount and with insurance carriers satisfactory to
 Secured Party Secured Party’s acceptance of policies in
 lesser amounts or risks shall not be a waiver of Debtor’s foregoing
obligations. As to Secured Party’s interest in such policy, no act or omission of Debtor or any of
its officers, agents, employees or representatives shall affect the obligations of the insurer to pay
the full amount of any loss.



Debtor hereby assigns to Secured Party any monies which may become payable under any such policy of
insurance and irrevocably constitutes and appoints Secured Party as Debtor’s attorney in fact (a) to hold each
original insurance policy. (b) to make, settle and adjust claims under each policy of insurance. (c)
to make claims for any monies which may become payable under such and other insurance on the Collateral
including returned or unearned premiums, and (d) to endorse Debtor’s name on any check draft or other
instrument received in payment of claims of returned or unearned premiums under each policy and to




			
	 	 	 
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apply the
funds to the payment of the indebtedness owing to Secured Party, provided, however, Secured
Party is under no obligation to do any of the ongoing.



Should
Debtor fail to furnish such insurance policy to Secured Party, or to maintain such policy in
full force or to pay any premium in whole or in part relating thereto
then Secured Party, without
waiving or releasing any default or obligation by Debtor may (but shall be under no obligation to)
obtain and maintain insurance and pay the premium therefore on behalf of Debtor and charge the
premium to Debtor’s indebtedness under this Security Agreement. The full amount of any such premium
paid by Secured Party shall be payable by Debtor upon demand and failure to pay same shall continue
an event of default under this Security Agreement.




9. Events of Default Acceleration.



A very
important element of this Security Agreement is that Debtor make all its payments promptly as
agreed upon. It is essential that the Collateral remain in good condition and adequate security for
the indebtedness. The following are events of default under this Security Agreement which will
allow Secured Party to take such action under this Paragraph and under paragraph 10 as it deems
necessary:





	(a)	 	any of Debtor’s obligations to Secured Party under any agreement with Secured Party
is not paid promptly when due;






	(b)	 	Debtor breaches any warranty or provision hereof, or of any note or of any other
instrument or agreement delivered by Debtor to Secured Party in connection with this or
any other transaction;






	(c)	 	Debtor dies, becomes insolvent or ceases to do business as a
going concern;






	(d)	 	it is determined that Debtor has given Secured Party
materially misleading information
regarding its financial condition;






	(e)	 	any of the Collateral is lost or destroyed;






	(f)	 	a complaint in bankruptcy or for arrangement or reorganization or for relief under any
insolvency law is filed by or against Debtor or Debtor admits its inability to pay its
debts as they mature;






	(g)	 	property of Debtor is attached or receiver is appointed for
Debtor;






	(h)	 	whenever Secured Party in good faith believes the prospect of payment or performance
is impaired or in good faith believes the Collateral is insecure;






	(i)	 	any guarantor, surety or endorser for Debtor dies or defaults in any obligation or
liability to Secured Party or any guaranty obtained in connection with this transaction is
terminated or breached.




If Debtor shall be in default hereunder, the indebtedness described in each Schedule and all
other indebtedness then owing by Debtor to Secured Party under this or any other present or
future agreement (collectively the “Indebtedness”) shall, if Secured Party shall so elect become
immediately due and payable. After acceleration:





	(a)	 	the unpaid principal balance of the indebtedness described in any Schedule in which
interest has been precomputed shall bear interest at the rate of 18% per annum (or, if
less the maximum rate permitted by law) until paid in full; and






	(b)	 	the unpaid principal balance of the indebtedness described in any Schedule in which
interest has not been precomputed shall bear interest at the same rate as before
acceleration until paid in full.




In no event shall the Debtor upon demand by Secured Party for payment of the indebtedness by
acceleration of the maturity thereof or otherwise, be obligated to pay any interest in excess of the
amount permitted by law. Any acceleration of the indebtedness, if elected by Secured Party shall be
subject to all applicable laws including laws relating to rebates and refunds of unearned charges.




10.
Secured Party’s Remedies After Default; Consent to Enter Premises.



Upon
Debtor’s default and at any time thereafter, Secured Party shall have all the rights and
remedies of a secured party under the Uniform Commercial Code and any
other applicable laws, including the right to any deficiency remaining after disposition of the Collateral for which
Debtor hereby agrees to remain fully liable. Debtor agrees that
Secured Party, by itself or its
agent may without notice to any person and without judicial process
of any kind, enter into any
premises or upon any land owned, leased or  otherwise under the real or apparent control of Debtor
or any agent of Debtor where the Collateral may be, or where Secured Party believes the Collateral
may be, and disassemble, render unusable and/or repossess all or any
item of the collateral,
disconnecting and separating all Collateral from any other property and using all force necessary.
Debtor expressly waives all further rights to possession of the Collateral after default and all
claims for injuries suffered through or loss caused by such entering and/or repossession. Secured
Party may require Debtor to assemble the Collateral and return it to Secured Party at a place to
be designated by Secured Party which is reasonably convenient to both parties.




	 	 	 
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Secured Party may sell or lease the Collateral at a time and location of its choosing provided
that the Secured Party acts in good faith and in a commercially reasonable manner. Secured Party
will give Debtor reasonable notice of the time and place of any
public sale of the Collateral or of
the time after which any private sale or any other intended disposition of the Collateral is to be
made. Unless otherwise provided by  law the requirement of reasonable
notice shall be met if
such notice is mailed, postage prepaid, to the address of Debtor shown herein at least ten days
before the time of the sale or disposition. Expenses of retaking,
holding, preparing for sale,
selling and the like shall include reasonable attorneys fees (at least 15% of the outstanding
principal balance if not prohibited by law) and other legal expenses.
Debtor understands that
Secured Party’s rights are cumulative and not alternative.




11. Waiver of Defaults; Agreement inclusive.



Secured
Party may in its sole discretion waive a default, or cure, at
Debtor’s expense, a default.
Any such waiver in a particular instance or of a particular default shall not be a waiver of other
defaults or the same kind of default at another time. No modification or change in this Security
Agreement or any related note. Instrument or agreement shall bind Secured Party unless in writing
signed by Secured Party. No oral agreement shall be binding.




12. Financing Statements; Certain Expenses.



If permitted by law Debtor authorizes Secured Party to file a financing statement with respect to
the Collateral signed only by Secured Party, and to file a carbon, photograph or other reproduction
of this Security Agreement or of a financing statement. At the request of Secured Party, Debtor
will execute any financing statements, agreements or documents. In form satisfactory to Secured
Party which Secured Party may deem necessary or advisable to establish and maintain a perfected
security interest in the Collateral and will pay the cost of filing or recording the same in at
public offices deemed necessary or advisable by Secured Party. Debtor also agrees to pay all costs
and expenses incurred by Secured Party in conducting UCC, tax or
other lien searches against the
Debtor of the Collateral and such other fees as may be agreed.




13. Waiver of Defenses Acknowledgment.



If Secured Party assigns this Security Agreement to a third party (“Assignee”), then after such
assignment:





	(a)	 	Debtor will make all payments directly to such Assignee at such place as Assignee may
from time to time designate in writing;
	 
	(b)	 	Debtor agrees that it will some all claims, defenses,
setoffs and counterclaims it may
have against Secured Party directly with Secured Party and will not set up any such claim,
defense, setoffs or counterclaim against Assignee, Secured Party hereby agreeing to remain
responsible therefor,
	 
	(c)	 	Secured Party shall not be Assignee’s agent for any purpose and shall have no
authority to change or modify this Security Agreement or any related document or
instrument; and
	 
	(d)	 	Assignee shall have all of the rights and remedies of Secured Party hereunder but
none of Secured Party’s obligations.





14. Miscellaneous.



Debtor waivers all exemptions, Secured Party may correct patent errors herein and fill in such
blanks as serial numbers, date of first payment and the like. Any provisions hereof contrary to,
prohibited by or invalid under applicable laws or regulations shall be inapplicable and deemed
omitted herefrom, but shall not invalidate the remaining provisions hereof.



Debtor and Secured Party each hereby waive any right to a trial by jury in any action or proceeding
with respect to, in connection with, or arising out of this Security Agreement, or any note or
document delivered pursuant to this Security Agreement. Except as otherwise provided herein or by
applicable law, the Debtor shall have no right to prepay the indebtedness described in any
Schedule. Debtor acknowledges receipt of a true copy and waives acceptance hereof.



If Debtor
is a corporation this Security Agreement is executed pursuant to authority of its Board of
Directors. Except where the context otherwise requires, “Debtor” and “Secured Party” include the
heirs, executors or administrators, successors or assigns of those parties; nothing herein shall
authorize Debtor to assign this Security Agreement or its rights in and to the Collateral. If more
than one Debtor executes this Security Agreement, their obligations under this Security Agreement
shall be joint and several.



If at any
time this transaction would be usurious under applicable law, than regardless of any
provision contained in this Security Agreement or in any other agreement made in connection with
this transaction it is agreed that:





	(a)	 	the total of all consideration which constitutes interest under applicable law that
is contracted for, charged or received upon this Security Agreement or any such other
agreement shall under no circumstances exceed the maximum rate of interest authorized by
applicable law and any excess shall be credited to the Debtor; and
	 
	(b)	 	if Secured Party elects to accelerate the maturity of, or if
Secured Party permits
Debtor to prepay the indebtedness described in Paragraph 3, any amounts which because of
such action would constitute interest may never include more than the
maximum rate of interest authorized by applicable law and any excess
interest, if any, provided for in this Security Agreement or otherwise shall
be credited to Debtor automatically as of the date of acceleration or prepayment.





			
	 	 	 
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15. Special Provisions.




See Special Provisions Instructions.




Dated:
4-5 00




Debtor:




Ready Mix, Inc.
 

Name of individual corporation or partnership




	 	 	 	 	 	 	 
	By:

	 	/s/ [ILLEGIBLE]
	 	Title:
	 	Vice President
	 

	 	 
	 	 	 	 
	 	 	If corporation, have
signed by President, Vice President or Treasurer, and give official title.
	 

	 	If owner or partner, state which	 	 	 	 






109 Delhi
 

Address




	 	 	 	 	 	 	 
	North Las Vogas

	 	NV
	 	 	89030	 
	 
	City

	 	State
	 	Zip Code







Secured Party:




The CIT
Group/Equipment Financing, Inc.

 





Name of individual corporation or partnership




	 	 	 	 	 	 	 
	By:

	 	/s/ [ILLEGIBLE]
	 	Title:
	 	Agent
	 

	 	 
	 	 	 	 
	 	 	If corporation give
official title. If owner or partner state which






P.O. Box 27248
 

Address




	 	 	 	 	 
	Tampe

	 	AZ:
	 	B5285-7248
	 
	City

	 	State
	 	Zip Code






			
	 	 	 
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Agreement
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	If Debtor is a
partnership, owner:
	Partners’ names
	 	Home addresses
	 	 





NOTICE: Do
not use this form for transactions for personal, family or household
purposes. For
agricultural and other transactions subject to Federal or State regulations, consult legal counsel
to determine documentation requirements.



Agricultural
purposes generally means farming, including dairy farming, but it also includes the transportation,
harvesting, and processing of farm, dairy, or forest products if what is transported, harvested, or
processed is farm, dairy, or forest products grown or bred by the
user of the equipment itself. It
does not apply, for instance, to a logger who harvests someone else’s forest or a contractor who
prepares land or harvests products on someone else’s farm.


SPECIAL PROVISIONS INSTRUCTIONS: The notations to be entered in the Special Provisions section of
this document for use in ALABAMA, FLORIDA, GEORGIA, IDAHO, NEVADA, NEW HAMPSHIRE, OREGON, SOUTH
DAKOTA and WISCONSIN are shown in the applicable State pages of the Loans and Motor Vehicles
Manual.




			
	 	 	 
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Agreement
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