Exhibit 10(iv)
                               THIRD DEED OF TRUST
                            WITH ASSIGNMENT OF RENTS

This Deed of Trust, made this 1st day of December, 1999, between A-Z South State
Corporation, a Utah corporation as TRUSTOR, whose address is 268 West 400 South,
Suite  300,  Salt Lake  City,  Utah  84101 and FIRST  AMERICAN  TITLE  INSURANCE
COMPANY, UTAH DIVISION, a California corporation,  as TRUSTEE, and, Abdul Rashid
Afridi, as BENEFICIARY,

Witnesses:  That Trustor CONVEYS AND WARRANTS TO TRUSTEE IN TRUST, WITH POWER OF
SALE, the following described property,  situated in Salt Lake County,  State of
Utah:

         Lots 32, 33, and 34,  Block 1, South Main  Street  Addition,  Plat "A",
         according to the official  plat  thereof,  as recorded in the office of
         the County Recorder of said County.

Together with all  buildings,  fixtures and  improvements  thereon and all water
rights, rights of way, easements,  rents, issues,  profits,  income,  tenements,
hereditaments,   privileges  and  appurtenances  thereunto  belonging,   now  or
hereafter  used or enjoyed with said  property,  or any part  thereof,  SUBJECT,
HOWEVER,  to the right,  power an authority  hereinafter  given to and conferred
upon Beneficiary to collect and apply such rents, issues, and profits.

For the Purpose of Securing:

         (1)      Payment of the indebtedness  evidenced by a promissory note of
                  even date hereof in the principal sum of  $75,000.00,  made by
                  Trustor(s),  payable to the order of Beneficiary at the times,
                  in the manner and with interest as therein set forth,  and any
                  extensions and/or renewals or modifications  thereof,  (2) the
                  performance of each agreement of Trustor herein contained; (3)
                  the payment of such additional  loans or advances as hereafter
                  may be made to Trustor,  or his  successors  or assigns,  when
                  evidenced by a promissory note or notes reciting that they are
                  secured by this Deed of Trust; and (4) the payment of all sums
                  expended or advanced by  Beneficiary  under or pursuant to the
                  terms  hereof,   together  with  interest  thereon  as  herein
                  provided.

To Protect The Security of This Deed of Trust, Trustor Agrees:

         1. To keep said property in good condition and repair; not to remove or
demolish any building  thereon;  to complete or restore promptly and in good and
workmanlike  manner any building which may be constructed,  damaged or destroyed
thereon;  to comply with all laws,  covenants and  restrictions  affecting  said
property; not to commit or permit waste thereof, not to commit, suffer or permit
any act upon said  property in violation of law; to do all other acts which from
the character or use of said property may be reasonable necessary,  the specific
enumerations  herein not excluding the general;  and, if the loan secured hereby
or any part thereof is being obtained for the purpose of financing  construction
of improvements on said property Trustor further agrees:

          (a)  To  commence  construction  promptly  and  to  pursue  same  with
               reasonable  diligence to completion in accordance  with plans and
               specifications satisfactory to Beneficiary, and

          (b)  To allow Beneficiary to inspect said property at all times during
               construction.  Trustee,  upon  presentation to it of an affidavit
               sighed by  Beneficiary,  setting forth facts showing a default by
               Trustor under this numbered paragraph, is authorized to accept as
               true and conclusive all facts and statements therein,  and to act
               thereon hereunder.

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         2. To provide and maintain insurance, of such type or types and amounts
as  Beneficiary  may  require,  on the  improvements  now  existing or hereafter
erected or placed on said property. Such insurance shall be carried in companies
approved  by  Beneficiary  with loss  payable  clauses  in favor of and  in.form
acceptable  to  Beneficiary.  In the event of loss,  Trustor she give  immediate
notice to  Beneficiary,  who may make proof of loss, and each insurance  company
concerned  is hereby  authorized  and  directed  to make  payment  for such loss
directly to Beneficiary,  instead of to Trustor and Beneficiary jointly, and the
insurance proceeds,  or any part thereof, may be applied by Beneficiary,  at its
option,  to  the  reduction  of  the  indebtedness  hereby  secured  or  to  the
restoration  or repair of the  property  damaged.  In the event that the Trustor
shall  fail to  provide  satisfactory  hazard  insurance,  the  Beneficiary  may
procure,  on the Trustor's behalf,  insurance in favor of the Beneficiary alone.
If insurance cannot be secured by the Trustor to provide the required  coverage,
this will constitute an act of default under the terms of this Deed of Trust.

         3. To  deliver  to, pay for and  maintain  with  Beneficiary  until the
indebtedness  secured  hereby  is  paid in  full,  such  evidence  of  title  as
Beneficiary  may  require,  including  abstracts  of title or  policies of title
insurance and any extensions or renewals thereof or supplements thereto.

         4. To appear in and  defend  any  action or  proceeding  purporting  to
affect the security hereof, the title to said property,  or the rights or powers
of Beneficiary or Trustee;  and should Beneficiary or Trustee elect to appear in
or  defend  any such  action  or  proceeding,  to pay all  costs  and  expenses,
including  cost of evidence of title and  attorney's  fees in a  reasonable  sum
incurred by Beneficiary or Trustee.

         5. To pay at least 10 days before delinquency all taxes and assessments
affecting said property,  including all assessments upon water company stock and
all  rents,  assessments  and  charges  for  water,  appurtenant  to or  used in
connection with said property; to pay, when due, all encumbrances,  charges, and
liens with  interest,  on said property or any part  thereof,  which at any time
appear to be prior or superior hereto;  to pay all costs,  fees, and expenses of
this Trust.

         6. To pay to Beneficiary monthly, in advance an amount, as estimated by
Beneficiary  in its  discretion,  sufficient  to pay all taxes  and  assessments
affecting said property, and all premiums on insurance therefor, as and when the
same shall  become due. 7. Should  Trustor fail to make any payment or to do any
act as herein provided,  then Beneficiary or Trustee,  but without obligation so
to do and without notice to or demand upon Trustor and without releasing Trustor
from any obligation hereof,  may: Make or do the same in such manner and to such
extent as either may deem necessary to protect the security hereof,  Beneficiary
or Trustee  being  authorized  to enter upon said  property  for such  purposes;
commence, appear in and defend any action or proceeding purporting to affect the
security  hereof  or the  rights  or  powers of  Beneficiary  or  Trustee;  pay,
purchase,  contest,  or compromise any encumbrance,  charge or lien which in the
judgment of either appears to be prior or superior hereto; and in exercising any
such  powers,  incur any  liability,  expend  whatever  amounts in its  absolute
discretion it may deem necessary therefor,  including cost of evidence of title,
employ counsel, and pa-y his reasonable fees.

         8. To pay immediately and without demand all sums expended hereunder by
Beneficiary  or Trustee,  with interest from date of  expenditure at the rate of
_____ per annum until paid, and the repayment thereof shall be secured hereby.

         9. To pay to  Beneficiary a "late  charge," of not to exceed five cents
(5 ) for each One Dollar ($ 1.00) of each payment due  hereunder or due pursuant
to the aforesaid  promissory note of even date hereof which is more than fifteen
(15) days in  arrears.  This  payment  shall be made to cover the extra  expense
involved in handling delinquent payments.

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IT IS MUTUALLY AGREED THAT:

         10.  Should said  property  or any part  thereof be taken or damaged by
reason of any public improvement or condemnation proceeding, or damaged by fire,
or  earthquake,  or in any other  manner,  Beneficiary  shall be entitled to all
compensation,  awards,  and  other  payments  or relief  therefor,  and shall be
entitled at its option to commence, appear in and prosecute in its own name, any
action or  proceedings,  or to make any compromise or settlement,  in connection
with such taking or damage. All such compensation,  awards,  damages,  rights of
action and  proceeds,  including  the proceeds of any policies of fire and other
insurance affecting said property, are hereby assigned to Beneficiary,  who may,
after deducting therefrom all its expenses, including attorney's fees, apply the
same on any indebtedness secured hereby.  Trustor agrees to execute such further
assignments  of any  compensation,  award,  damages,  and  rights of action  and
proceeds as Beneficiary or Trustee may require.

         11.  At any  time  and  from  time  to time  upon  written  request  of
Beneficiary,  payment of its fees and presentation of this Deed of Trust and the
note  for  endorsement  (in  case of full  reconveyance,  for  cancellation  and
retention)  without affecting the liability of any person for the payment of the
indebtedness  secured  hereby,  and without  releasing the interest of any party
joining in this Deed of Trust,  Trustee may (a) consent to the making of any map
or plat of said  property;  (b) join in granting  any  easement or creating  any
restriction  thereon; (c) join in any subordination or other agreement affecting
this Deed of Trust or the lien or charge  thereof,  (d) grant any  extension  or
modification of the terms of this loan; (e) reconvey,  without warranty,  all or
any part of said property.  The grantee in any  reconveyance may be described as
"the persons entitled thereto", and the recitals therein of any matters of facts
shall be conclusive  proof of the  truthfulness  thereof.  Trustor agrees to pay
reasonable trustee's fees for any of the services mentioned in this paragraph.

         12. As additional  security,  Trustor  hereby  assigns to  Beneficiary,
during the  continuance  of these  trusts,  all rents,  issues,  royalties,  and
profits  of the  property  affected  by this Deed of Trust  and of any  personal
property  located  thereon.  Until  Trustor  shall default in the payment of any
indebtedness  secured hereby or in the  performance of any agreement  hereunder,
Trustor shall have the right to collect all such rents, issues,  royalties,  and
profits earned prior to default as they become due and payable. If Trustor shall
default as aforesaid,  Trustor's right to collect any of such moneys shall cease
and Beneficiary  shall have the right,  with or without taking possession of the
property affected hereby, to collect all rents, royalties,  issues, and profits.
Failure or  discontinuance  of  Beneficiary  at any time or from time to time to
collect  any  such  moneys  shall  not  in  any  manner  affect  the  subsequent
enforcement  by Beneficiary  of the right,  power,  and authority to collect the
same.  Nothing contained herein, nor the exercise of the right by Beneficiary to
collect,  shall be, or be construed to be, an  affirmation by Beneficiary of any
tenancy,  lease  or  option,  nor  an  assumption  of  liability  under,  nor  a
subordination  of the lien or charge of this Deed of Trust to any such  tenancy,
lease or option.

         13. Upon any default by Trustor hereunder,  Beneficiary may at any time
without notice,  either in person, by agent, or by a receiver to by appointed by
a court  (Trustor  hereby  consenting to the  appointment of Beneficiary as such
receiver),  and  without  regard  to  the  adequacy  of  any  security  for  the
indebtedness hereby secured,  enter upon and take possession of said property or
any part  thereof,  in its own name sue for or  otherwise  collect  said  rents,
issues,  and profits,  including those past due and unpaid,  and apply the same,
less costs and  expenses  of  operation  and  collection,  including  reasonable
attorney's  fees, upon any  indebtedness  secured  hereby,  and in such order as
Beneficiary may determine.

         14. The  entering  upon and taking  possession  of said  property,  the
collection of such rents, issues, and profits, or the proceeds of fire and other
insurance  policies,  or compensation or awards for any taking or damage of said
property, and the application or release thereof as aforesaid, shall not cure or
waive any  default or notice or default  hereunder  or  invalidate  any act done
pursuant to such notice.

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         15. The  failure on the part of  Beneficiary  to  promptly  enforce any
right  hereunder  shall not  operate as a waiver of such right and the waiver by
Beneficiary  of any  default  shall  not  constitute  a waiver  of any  other or
subsequent default.

         16.  Time is of the  essence  hereof.  Upon  default  by Trustor in the
payment  of  any  indebtedness  secured  hereby  or in  the  performance  of any
agreement  hereunder,  all sums secured hereby shall immediately  become due and
payable at the option of Beneficiary. In the event of such default,  Beneficiary
may  execute  or cause  Trustee to  execute a written  notice of default  and of
election to cause said  property to be sold to satisfy the  obligations  hereof,
and  Trustee  shall  file such  notice for record in each  county  wherein  said
property  or some part or parcel  thereof is  situated.  Beneficiary  also shall
deposit with Trustee, the note and all documents evidencing expenditures secured
hereby.

         17.  After  the  lapse  of such  time as may  then be  required  by law
following  the  recording  of said notice of default,  and notice of default and
notice of sale having been given as then required by law, Trustee without demand
on  Trustor,  shall  sell  said  property  on the date and at the time and place
designated in said notice of sale either as a whole or in separate parcels,  and
in such order as it may determine (but subject to any statutory right of Trustor
to direct the order in which such property,  if consisting of several known lots
or  parcels,  shall be sold),  at public  auction  to the  highest  bidder,  the
purchase price payable in lawful money of the United States at the time of sale.
The person  conducting the sale may, for any cause he deems expedient,  postpone
the sale from time to time until it shall be completed  and, in every such case,
notice of  postponement  shall be given by public  declaration  thereof  by such
person at the time and place last appointed for the sale; provided,  if the sale
is postponed for longer than one day beyond the day  designated in the notice of
sale, notice thereof shall be given in the same manner as the original notice of
sale. Trustee shall execute and deliver to the purchaser its Deed conveying said
property so sold, but without any covenant of warranty,  express or implied. The
recitals in the Deed of any matters or facts  shall be  conclusive  proof of the
truthfulness thereof. Any person,  including  Beneficiary,  may bid at the sale.
Trustee  shall  apply the  proceeds  of the sale to  payment of (1) the cost and
expenses of exercising the power of sale and of the sale,  including the payment
of the Trustee's and attorney's fees; (2) cost of any evidence of title procured
in connection  with such sale and revenue stamps on Trustee's Deed; (3) all sums
expended under the terms hereof,  not then repaid,  with accrued interest at per
annum from date of expenditure;  (4) all other sums the secured hereby;  and (5)
the remainder,  if any to the person or persons legally entitled thereto, or the
Trustee,  in its  discretion,  may deposit the balance of such proceeds with the
County Clerk of the county in which the sale took place.

         18.  Trustor  agrees  to  surrender  possession  of  the  herein  above
described  Trust  property to the Purchaser at the aforesaid  sale,  immediately
after  such  sale,  in  the  event  such  possession  has  not  previously  been
surrendered by Trustor.

         19. Upon the  occurrence of any default  hereunder,  Beneficiary  shall
have the option to declare all sums secured hereby  immediately  due and payable
and  foreclose  this  Deed  of  Trust  in the  manner  provided  by law  for the
foreclosure of mortgages on real property and  Beneficiary  shall be entitled to
recover in such proceedings all costs and expenses incident thereto, including a
reasonable attorney's fee in such amount as shall be fixed by the court.

         20.  Beneficiary may appoint a successor  trustee at any time by filing
for  record in the office of the County  Recorder  of each  county in which said
property or some part thereof is situated,  a substitution of trustee.  From the
time the substitution is filed for record,  the new trustee shall succeed to all
the powers,  duties,  authority  and title of the trustee named herein or of any
successor  trustee.  Each such substitution  shall be executed and acknowledged,
and notice thereof shall be given and proof thereof made, in the manner provided
by law.


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         21.  This Deed of Trust  shall  apply to,  inure to the benefit of, and
bind all  parties  hereto,  their  heirs,  legatees,  devisees,  administrators,
executors,  successors and assigns.  All  obligations  of Trustor  hereunder are
joint and  several.  The term  "Beneficiary"  shall  mean the owner and  holder,
including  any  pledgee,  of the note  secured  hereby.  In this  Deed of Trust,
whenever the context so requires,  the  masculine  gender  includes the feminine
and/or neuter, and the singular number includes the plural.

         22. Trustee  accepts this Trust when this Deed of Trust,  duly executed
and  acknowledged,  is made a public  record as provided by law.  Trustee is not
obligated  to notify any party  hereto of  pending  sale under any other Deed of
Trust or of any action or proceeding in which Trustor,  Beneficiary,  or Trustee
shall be a party, unless brought by Trustee.

         23.  This Deed of Trust shall be construed according to the laws of the
State of Utah.

         24.  The  undersigned  Trustor  requests  that a copy of any  notice of
default  and of any  notice of sale  hereunder  be mailed to him at the  address
hereinbefore set forth.


A-Z South State Corporation, a Utah Corporation


/s/  Richard D. Surber
------------------------------------------
By: Richard D. Surber
Its.  President


STATE OF UTAH             )
                          :ss.
County of Salt Lake       )

On the 1st day of December 1999 personally appeared before me Richard Surber who
being by me duly sworn did say, for himself, that he, the said Richard Surber is
the President,  and he, the said Richard  Surber is the President,  of A-Z South
State  Corporation,  a Utah  corporation  and  that  the  within  and  foregoing
instrument was signed in behalf of said corporation by authority of a resolution
of  its  Board  of  Directors,   and  said   ______________and______________duly
acknowledged to me that said corporation executed the same.

Notary Public

/s/  BonnieJean C. Tippetts
-------------------------------------------
My Commission Expires April 14th, 2001


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