1. Except to the extent otherwise provided in section 490.124, subsection 3, and part 5, a document accepted for filing is effective as follows:

 a. On the date and at the time of filing, as provided in section 490.125, subsection 2.
 b. On the date of filing and at the time specified in the document as its effective time, if later than the time under paragraph “a”.
 c. At a specified delayed effective date and time which shall not be more than ninety days after filing.
 d. If a delayed effective date is specified, but no time is specified, at 12:01 a.m. on the date specified, which shall not be more than ninety days after the date of filing.

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Terms Used In Iowa Code 490.123

 2. If a filed document does not specify the time zone or place at which a date or time or both is to be determined, the date or time or both at which it becomes effective shall be those prevailing at the place of filing in this state.