Requirements for the Use of MERS in Specified Geographic Areas

MERS Rider

In the states listed below, Homium will use the Mortgage Electronic Registration Systems, Inc. Rider (MERS Rider) Form 3158, when a newly originated loan will be registered with MERS. Homium will also follow the Instructions to the MERS Rider and the applicable security instruments to make changes to the standard security instruments for the following states:

• Montana,

• Oregon, and

• Washington.

As the MERS Rider must be used in these specified states, post-closing assignments to MERS are prohibited.

MERS Assignment Form - Maine

In the state of Maine, Homium will use the MERS Mortgage Assignment FNMA Form 3579 to assign loans to MERS at origination or post-closing, as applicable.