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Home My WebLink About868793AFTER RECORDING MAIL TO: Mountain States Mortgage Centers. Inc. 13 South 868793 [Space Above This Line For Recording Data] MORTGAGE THIS MORTGAGE "Security Instrument is given on Septamber 28, 2000 The mortgagor is CARP B. FE1U Bat AN JULIE A. FERMIN, HbB9ND AND WIFE AND PAIL W. MAN AND KERRY J. ICIRCAN, HUSBAND AND WIFE, ALL AS TENANIS IN O M'U This Securitylnstrumentisgiven Mountain States Mortgage Centers, Inc.. A Utah Corporation which is organized and existing under the laws of The State of Utah and whose address is 1333 East 9400 South, Sandy, UT 84093 "Lender Borrower owes Lender the principal sum of One Hundred Fourteen Thousand Four Hundred Dollars and no /100 Dollars (U.S. $1 14.4 0 0 0 0 This debt is evidenced by Borrower's note dated the same date as this Security Instrument "Note which provides for monthly payments, with the full debt, if not paid earlier, due and payable on October 1 2030 This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender, with power of sale, the following described property located in L i n c o 1 n County, Wyoming: LOT 29 OF RIVERVIEW RANCHETTES. SECOND FILING. LINCOLN COUNTY. WYOMING AS DESCRIBED ON THE OFFICIAL PLAT THEREOF. TAX ID 12 3i e 9 A 'O1 030.00 f RELEASE p —/»I h is 4 r1 gL ge SEf INK 4 ,OF MORT&AWE& PAU ji"- c f which has the address of 74 LEWIS SPUR [Street] "Property Address Wyoming 8 3 1 2 7 [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. WYOMING SINGLE FAMILY— FNMA/FHLMC UNIFORM INSTRUMENT ISC /CMDTWY//0491/3051(9.90) -L. PAGE 1 OF 6 RECEIVED I N C OI I r'r'm€.1T'y C'r EF 00 OCT .5 BOOK 4 PR PAGE 5 n r KEli[ EflER. WYOMING THAYNE [City] FORM 3051 9/90 "Borrower Nu 06/6 1.50E WHOA ur 6 9Z6i 'ONNVO1 9 d0 Z 30Vd .1 /1640 /AMiC1 /OSI 1N311f1H1SNI WHOdINfI 3011HdNWNd--A1IWdd 31DNIS--ONIINOAM pue slunowe eq; u! peulelu!ew eq pays eoueansul slut eoueansul swinbeJ Jepuei yolgM Jo; '6ulpool; Jo spool; 6upnlou! 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AIreaA (p) :swnlweid eoueansul ApiedoJd Jo pJezeq AiJeeA (o) :/cue 'ApedoJd eq; uo SpuaJ punoJ6 Jo s ;uewi(ed pogeseel Ataeer( (q) :ApadoJd eq; uo uep e se;uawnr;sul,plrnoe9 sly; JeA0 Awoud ule;pe i(ew pppmM spuawssesse pus sexep /(iJeaA (e) :Jo; „spunj„) wns e `11n; ui pled si aloN ay; Iuun `aloN eta; Jepun enp are spuewAed /(Ipuow Aep all uo Japuel o; Aed !legs reMOJJOg `Jepuei Aq Jan!SM uap ;!JM a 01.10 Mel a geolldde op poafgns eoueansul pue saxe! ao4 spund •Z 'el all iepun enp se6Jego Biel pue;uewAedaad Aue pue e;oN ay; Aq peouepine ;qep ay; uo ;swap pue to Ied!ouud eq enp ueyM Aed /(Ipdword pegs aaMOJJOg •sa6aeyo pue ;ueLuAedead ;saaa ;ui pue Ied!oulad ;o ;uewAed •1. :sMO11ol se eei6e pue pueuenoo aepuei pus JaMOaaog 'SINVN3AOO WHlOdINf 'Apradord tear 6ulranoo luawni1su!,llJnoes wiO ;tun 5 apn;lpsuoO o; uolpolpsunf Aq suolpe!Jen pejwll plM spueuenoo WJO ;tun -uou pue asn 1eu01;eu Jo; slueuanoO WJ011un saulgwoo 1N3Wf1d1SNI 1kll8fOJS SIHI fnr the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of Toss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin when the notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the Property (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repairs. Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. 8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any reason, the mortgage insurance coverage required by Lender lapses or ceases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each month a sum equal to one twelfth of the yearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept, use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of Lender, if mortgage insurance coverage (in the amount and for the periods that Lender requires) provided by WYOMING SINGLE FAMILY- FNMA/FHLMC UNIFORM INSTRUMENT ISC /CMDTWY //0491/3051(9- 90) -L' PAGE 3 OF 6 LOANNO.1 FORM 3051 9/90 5P8 9 AO ti 3 3Vd .i 6) Ls0£ /t6b0 /AMlOWO /OSI 06/6 L90£ WHOA 1Ni1fHiSNI WHOdINf OW1HdNWNd 31DNIS •elgeaenes eq o; peJeloep aJe eloN eql pue luewnJ ;sul A;!Jnoes sly; to suolsinoad ay; pue sly; of uolslnwd 6ullo!luoo ayl lnoyllM;oop uani6 eq ueo qO qM e oN eq1 Jo luewnJ ;sui All .1noes sly ;10 suolslnOJd Jeq o 1oa11e lou is 1o11uoo Lions 'Mel elgeolldde y11M S OII1U00 eloN eql Jo luewnJlsu! unoes sly; to esnelo Jo uolslnoJd Aue wane ay; uI •paleool s! 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Apedo.1d 011 ;10 amen leNJew J1e1 ay1 (q) Aq papinlp ail 9JO1aq Alelelpoww! paJnoas scans ey110 ;unowe Ie101 ay1(e) :uolloeal 6u!MOIlol 9111 Aq pelldlllnw speeooad ay 10 lunowe ay1 Aq paonpaJ eq Heys luawnJ1suf A1unoes sly; Aq pa .1no9s scans 941 `6uI;UJM ul eaJ6e es!MJay10 Japua pue JaMOfog ssalun '6uNe; ay19Jolaq AIelelpeww! luawnU ;sul /climes sly; Aq paJnoas swns ay ;10 lunowe ay; uet1 ieleaJ6 Jo 01 Ienbe s! 6ulile; ey18JO1aq Ale1e!peww! /tpadoJd ay110 amen maw ale; eq1 go111M U Apadoid ay; 1 6upiel 'Biped a 10 wane 9111 uI •JaMoJJog 01 pled Sseox9 Aue yIIM'enp uayl lou Jo J9yle11M `1uewnJ1sul A!!Jnoes sly; Aq paJnoas swns 04101 palldde eq Heys speeooid 9111 'Apedo.1d ey110 Ie101 a 10 wane ayl Lit •Japuaq 01 pled aq Heys pue peu6lsse Agaiey aJe `uolleuwepuoO 10 nail u! eoueAenuoo J01.10 'Apedo.1d 0(4;10 !Jed Aue 10 6upie ;.10410 Jo uol;euuepuoO Aue y1IM uol ;Oauuoo ul 'leguenbesuoo Jo pap `sa6ewep J01 wlelo Jo pJeMe Aue 10 speeooad 041 •uol;euwapuoO •uot1o0dsul 9111 .101 esneo eigeuoseei 6u1A11oeds uolloadsul ue o; Joud Jo 10 aw!181111e aOl ;0u JaMoJJog anl6 Ile Lis Japuaq •Apedo .1d ay310 suolloadsu! pue uodn sa!Jlue a geuoseeJ a ew Aew lue6e sIl Jo aepue •uolloadsul '6 *Mel elgeolldde a0 Japuaq pue JaMoJJog ueemlaq lueweej6e u91;!JM Aue yllM eouep .1o0oe ul spue eoueansul e6e6pow J01 ;uawailnbeJ atl pun `enJ0S9J ssOI e epinoJd 01 .10 `109118 Ul eoue .1nsu! a6e6pow u!elulew of paJlnbeJ swnlwa.1d 941 Aed Heys JaMoJJog •peulelgo sl pue elgellene sewooeq u!e6e Jepue Aq penoadde .1e.1nsu! ut Mr 9Z6I 'ON NV01 0 al ka LOANNO.1 510 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer that collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health, safety or environmental protection. NON- UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided In this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice of WYOMING SINGLE FAMILY FNMA/FHLMC UNIFORM INSTRUMENT FJ 3051 9/90 ISC /CMDTWY//0491/3051(9- 90) -L' PAGE 5 OF 6 (6ul6pejMowp uosied) 1414 9yV Jl v)k20 wrbG- ap os e PICAdA h A q Q _4 a l fi 4_4V Jo ,l 1. sly ew aaopaq pe6pelmouNoe seM luawnJlsul 6ulo6aaoi ay' JOMOJOg- (IEeS) JBMOJJ08- (lees) 06/6 450E W1104 :ss A;uno0 ILIE 6bO7 b6 999 JegwnNATJnoe9lelooS 9 7 3 L 0 7 b L 9 JegwnN AlpnOas lelooS :sesseuliM 1! tl!M pepaoow pue teMotaog Aq palnoexe (s)Jepp itue ul pue luewntlsu! lpnoe slyi ul peuleluoo slueuenoo pue swtal eql of seea6e pue sldeooe JaMOJJOg 'MO1313 ONINSIS leg ()C)loeds] (s)Jeg10❑ Japl d ewoH puooesig aapllj luewanotdw! eleld 0 Jepll uoolleg LJ Jeplu luewAed ApfeeMlg0 aepl} luewdolened Hufl peuueld JepllJ luewAed pelenpeJO0 Jeplji Allwed b l Jep!Id wnlulwopuo0 Li 1 ep!bi emu elgelsn[py [(se)xoq elgeolldde )1oe140] •luewnilsu! Alpnoes sigl ;o lied a eaeM (s)Jepp eql se luewntlsui Alpnoes sly! ;o slueweeJ6e pue slueuenoo NI lueweiddns pue puewe Ileys pue olul paletodtooul eq nets Jepp Lions goee ;o slueweaa6e pue slueuenoo eql luawnJlsul *noes sly! Lop JeLoe6o4 pepaooei pue JemoJJOg Aq pelnoaxe ate siepp aaow Jo euo H ;uaulna;sul Allmon Sly; o; saapld 'bZ •Alaedotd 0141 ul JeMop pue Asepno )o s1y6p lie segsmbugeJ pue A1JedoJd e141 u! uolldwexe peelsewoq ;o s1.& •slsoo uollepJooeJ Aue Aed !legs JaMoJJog •JaMOJJOg o1 a6JeLio inoyliM luawnJlsul Alpnoes sly! °seelet !lets Jepua 'luawnJlsul ilpnoes sly! Aq panes swns He luewAed uodn •asealeEl 'ZZ ;I o; pal ;qua AIIe5aI suosaad ao uosaad ay; o; ssaoxa Aue (o) pue :;uawni;sul A;lanoas sly; Aq paanoas sums lie o; (q) :sea; ,siauao ;e algeuoseaJ `o; palm! ;ou;nq `6ulpnioul `ales aq; ;o sasuedxa !!e o; (e) :aepao 6ulMollo; eq; ul palidde aq huts ales aq; ;o spaeooad ayl ales Aue ;e J(}aadoad ay; aseqoind Asw eau6lsap s ;I ao Japua 'Me! a[geolidde Aq paq!Josead aeuuew eq; ul pios aq [legs ApadoJd ay; pue 'ales ;o aollou ay; gslignd !legs Japua- gdea6eJed uI papinoad aauuew 941 u! aaMOJaog 01 ales ay; [IS 9 3 6 I 'ON NVO1 oiIgnd AMoN 10-1 +1 '",5' [luew6pa io gul situ mops coeds JegwnN AllanoOS !epos NV9r n 9 AO 9 JOVd .1 /16b0 /AMlaWo /OSI 1■31WIa1SNI WHOdINf OW1HdNWNd JV l 31DNIS DNIWOAM d 18MOJJO9- (IpeS) 20 1 vHr"Sp9'`tGk ,tili1311 VO41133 ftQflc AirnoN aw WOO MIMO :satidxe uolsslwwo0 �W 1 -j-) )`.NUTAI.QMA JO 31d1S SOVL 9 JegwnN Nt/90 4/ 1 .I Jnoes !epos C Abii3)1 Ile SOAIeM JeMoJJOe 'MAIM '£Z Ubtit'33 THIS SECOND HOME RIDER is made on this 28th day of September, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower" whether there are one or more persons undersigned) to secure Borrower's Note to MOUntai n States Mortgage Centers, Inc A Utah Corporation (the "Lender of the same date and covering the property described in the Security Instrument (the "Property which is located at: 74 LEWIS SPUR,THAYNE,WY 83127 [Property Address] In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Uniform Covenant 6 of the Security Instrument is deleted and is replaced by the following: 6. Occupancy and Use; Preservation, Maintenance and Protection of the Property; Borrower's Loan Application; Leaseholds. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false or inaccurate information or statements to lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy and use of the Property as a second home. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. SECOND HOME RIDER BY SIGNING BELOW, Borrower accepts and -es to the terms and provisions contained in this Second Home Rider. GARY B. FERGUSON MULTISTATE SECOND HOME RIDER Single Family -FHLMC UNIFORM INSTRUMENT ISC /CRID* *//0592/3890(09 -90) -L PAGE 1 OF 1 LOAN NO. 1926955 0 1.1 (Seal) Borrower A-__ (Seal) Borrower (Seal) Borrower (Seal) Borrower FORM 3890 9/90