2026-002186

Klamath County, Oregon
03/12/2026 08:24:01 AM

Prepared By: Fee: $167.00

Union Home Mortgage Corp.
8241 DOW CIR,
STRONGSVILLE, OH 44136

After Recording Return To:
Figure Lending LLC

Attn: Indecomm Global Services
1427 Energy Park Drive,

St. Paul, MN 55108

[Space Above This Line for Recording Data]

LINE OF CREDIT TRUST DEED
(Securing Future Advances)

Loan Id: 1-26050-2861

Date: 03/06/2026

Mclin

ULI: 549300RPOGWJRHB63HS39126050286190
DART Phone: 1-888-488-9883

Or visit www.dartinc.io

THIS OPEN-END DEED OF TRUST (“Deed of Trust”) is made on 03/06/2026.
(A) The trustor(s) is/are Nicole Mclin and Woodrow Mclin.
(B) The trustee is Kevin P Moran (“Trustee”), whose address is P.O. Box 2980, Silverdale, WA
98383-2980.
(C) The Lender is Union Home Mortgage Corp. whose address is 8241 DOW CIR,
STRONGSVILLE, OH 44136. Lender is the beneficiary under this Deed of Trust
(D) “DART” is DART Collateral Manager LLC. Lender has appointed DART as the nominee for
Lender for this grant of credit, and attached a DART Rider to this Deed of Trust, to be executed
by you, which further describes the relationship between Lender and DART, and which is
incorporated into and amends and supplements this Deed of Trust.

In this Deed of Trust, the terms “you,” “your” and “yours” refer to the trustor(s). The terms “we,”
‘us” and “our” refer to the Lender.

Pursuant to a Home Equity Line of Credit Agreement (“Agreement”) dated 02/26/2026,
Nicole Mclin (“Borrower”) may incur indebtedness in amounts fluctuating from time to time up to
a maximum principal amount of U.S. $180,494.10. The Agreement is a revolving, open-end line
of credit. The Agreement provides for monthly payments of principal and interest. All amounts
due under the Agreement must be paid in full not later than 04/01/2046. Additional draws may
be taken under the Agreement and each draw may have a different interest rate, as set forth
more fully in the Agreement, and, as a result, the dollar amount of the monthly payments of
principal and interest required under the Agreement may increase.

Pursuant to the terms of the Agreement, Borrower may request draws from time to time,

subject to the credit limit and other limitations contained in the Agreement. Each draw will be
recorded in our books and records and will be due and payable no later than the end of its
repayment period as set forth in the Agreement. All draws, with interest thereon, and all and
other amounts Borrower owes us under the Agreement will be secured by this Deed of Trust.
You agree that all draws taken by Borrower will be considered draws taken to or for the benefit
of each or any of you, even if you did not sign the Agreement and even if you did not request
the draw.

You agree that this Deed of Trust will continue to secure all draws now or later taken
under the terms of the Agreement, including draws taken whether or not at the time a draw is
taken there is any principal balance outstanding under the Agreement. The parties agree that
this Deed of Trust will secure unpaid draws, interest, future draws, and all other amounts due
under this Deed of Trust and the Agreement.

TRANSFER OF RIGHTS IN THE PROPERTY

This Deed of Trust secures to us: (a) the repayment of all amounts owed to us under the
Agreement, including future draws, and all refinancings, renewals, extensions and modifications
of the Agreement; (b) the payment of all other amounts, with interest, advanced under this Deed
of Trust to protect the security of this Deed of Trust; and (c) the performance of your covenants
and agreements under this Deed of Trust and the Agreement. For this purpose and in
consideration of the debt, you irrevocably grant and convey to Trustee and Trustee’s
successors and assigns, in trust, with power of sale, the following described property located in
KLAMATH County, Oregon: described on exhibit A attached hereto

which has the address of 3150 BURGDORF RD BONANZA, Oregon 97623 (“Property
Address”);

Together with all the improvements now or later erected on the property, and all
easements, rights, appurtenances, and fixtures now or later a part of the property. All
replacements and additions will also be covered by this Deed of Trust. All of the foregoing is
referred to in this Deed of Trust as the “Property.”

COVENANTS

YOU COVENANT that you are lawfully seized of the estate conveyed in this Deed of
Trust and have the right to mortgage, grant and convey the Property and that the Property is
unencumbered, except for encumbrances of record. You warrant and will defend generally the
title to the Property against all claims and demands, subject to any encumbrances of record.

YOU AND WE COVENANT and agree as follows:

1. Payment of Principal, Interest and Other Charges. Borrower will pay when
due the principal, interest and all other amounts owing under the Agreement and all other
amounts due under this Deed of Trust.

2. Application of Payments. Unless applicable law provides otherwise, all
payments received by us under the Agreement and Section 1 will be applied by us as provided
in the Agreement.

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3. Prior Deed of Trusts; Charges; Liens. You will perform all of your obligations
under any mortgage, deed of trust or other security instruments with a lien which has priority
over this Deed of Trust, including your covenants to make payments when due. You will pay all
taxes, assessments, charges, fines and impositions attributable to the Property which may
attain priority over this Deed of Trust or any advance under this Deed of Trust, and leasehold
payments or ground rents, if any. Upon our request, you will promptly furnish to us all notices of
amounts to be paid under this Section and receipts evidencing any such payments you make
directly. You will promptly discharge any lien (other than a lien disclosed to us in your
application or in any title report we obtained) which has priority over this Deed of Trust or any
advance under this Deed of Trust.

We specifically reserve to ourself and our successors and assigns the unilateral right to require,
upon notice, that Borrower pay to us on the day monthly payments are due an amount equal to
one-twelfth (1/12) of the yearly taxes, and assessments (including condominium and planned
unit development assessments, if any) which may attain priority over this Deed of Trust and
ground rents on the Property, if any, plus one-twelfth (1/12) of yearly premium installments for
hazard and mortgage insurance, all as we reasonably estimate initially and from time to time, as
allowed by and in accordance with applicable law.

4. Hazard Insurance. You will keep the Property insured against loss by fire,
hazards included within the term “extended coverage” and any other hazards, including floods
or flooding and earthquakes, for which we require insurance. This insurance will be maintained
in the amounts and for the periods that we require, unless limited by applicable law. You may
choose any insurer reasonably acceptable to us. Insurance policies and renewals will be
acceptable to us and will include a standard mortgagee clause. If we require, you will promptly
give us all receipts of paid premiums and renewal notices. If you fail to maintain coverage as
required in this Section, you authorize us to obtain such coverage as we in our sole discretion
determine appropriate to protect our interest in the Property in accordance with the provisions in
Section 6. You understand and agree that any coverage we purchase may cover only our
interest in the Property and may not cover your interest in the Property or any personal property.
You also understand and agree that the premium for any insurance may be higher than the
premium you would pay for the insurance. You will promptly notify the insurer and us of any
loss. We may make proof of loss if you do not promptly do so.

We may also, at our option and on your behalf, adjust and compromise any claims under any
insurance, give releases or acquittances to the insurance company in connection with the
settlement of any claim and collect and receive insurance proceeds. You appoint us as your
attorney-in-fact to do all of the foregoing, which appointment you understand and agree is
irrevocable, coupled with an interest with full power of substitution and will not be affected by
your subsequent disability or incompetence.

Insurance proceeds will be applied to restore or repair the Property damaged, if restoration or
repair is economically feasible and our security would not be lessened. Otherwise, insurance
proceeds will be applied to amounts secured by this Deed of Trust, whether or not then due,
with any excess paid to you. If you abandon the Property, or do not answer within 30 days our
notice to you that the insurer has offered to settle a claim, we may then collect and use the
proceeds to repair or restore the Property or to pay amounts secured by this Deed of Trust,
whether or not then due. The 30-day period will begin when notice is given. Any application of

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proceeds to principal will not require us to extend or postpone the due date of monthly
payments or change the amount of monthly payments. If we acquire the Property at a forced
sale following your default, your right to any insurance proceeds resulting from damage to the
Property prior to the acquisition will pass to us to the extent of the amounts secured by this
Deed of Trust immediately prior to the acquisition.

You will not permit any condition to exist on the Property which would, in any way, invalidate the
insurance coverage on the Property.

5. Preservation, Maintenance and Protection of the Property; Loan
Application; Leaseholds. You will not destroy, damage or substantially change the Property,
allow the Property to deteriorate, or commit waste. You will be in default if any forfeiture action
or proceeding, whether civil or criminal, is begun that in our good faith judgment could result in
forfeiture of the Property or otherwise materially impair the lien created by this Deed of Trust or
our security interest You may cure such a default, as provided in Section 17, by causing the
action or proceeding to be dismissed with a ruling that, in our good faith determination,
precludes forfeiture of your interest in the Property or other material impairment of the lien
created by this Deed of Trust or our security interest. You will also be in default if you , during
the home equity line of credit application process, gave materially false or inaccurate
information or statements to us (or failed to provide us with any material information) in
connection with the home equity line of credit evidenced by the Agreement, including
representations concerning your occupancy of the Property as a principal residence. If this
Deed of Trust is on a leasehold, you will comply with the lease. If you acquire fee title to the
Property, the leasehold and fee title will not merge unless we agree to the merger in writing.

6. Protection of Our Rights in the Property; Mortgage Insurance. If you fail to
perform the covenants and agreements contained in this Deed of Trust, or there is a legal
proceeding that may significantly affect our rights in the Property (such as a proceeding in
bankruptcy, probate, for condemnation or forfeiture or to enforce laws), then we may do, and
pay for, anything necessary to protect the Property’s value and our rights in the Property. Our
actions may include paying any amounts secured by a lien which has priority over this Deed of
Trust or any draw or amounts owed under the Agreement or this Deed of Trust, appearing in
court, paying reasonable attorney’s fees, paying any amounts which you are required to pay
under this Deed of Trust and entering on the Property to make repairs. We do not have to take
any action we are permitted to take under this Section. Any amounts we pay under this Section
will become additional debts you owe us and will be secured by this Deed of Trust. These
amounts will bear interest from the disbursement date at the rate established under the
Agreement and will be payable, with interest, upon our request. If we required mortgage
insurance as a condition of making the home equity line of credit secured by this Deed of Trust,
Borrower will pay the premiums for such insurance until such time as the requirement for the
insurance terminates.

7. Inspection. We may enter and inspect the Property at any reasonable time and
upon reasonable notice.

8. Condemnation. The proceeds of any award for damages, direct or
consequential, in connection with any condemnation or other taking of any part of the Property,
or for conveyance in lieu of condemnation, are assigned and will be paid to us. If the Property is
abandoned, or if, after notice by us to you that the condemnor offers to make an award or settle

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a claim for damages, you fail to respond to us within 30 days after the date the notice is given,
we are authorized to collect and apply the proceeds, at our option, either to restoration or repair
of the Property or to the amounts secured by this Deed of Trust, whether or not then due.
Unless we and Borrower otherwise agree in writing, any application of proceeds to principal will
not extend or postpone the due date of the monthly payments payable under the Agreement
and Section 1 or change the amount of such payments.

9. You Are Not Released; Forbearance by Us Not a Waiver. Extension of time
for payment or modification of amortization of the amounts secured by this Deed of Trust
granted by us to any of your successors in interest will not operate to release your liability or the
liability of your successors in interest. We will not be required to commence proceedings
against any successor in interest, refuse to extend time for payment or otherwise modify
amortization of the amounts secured by this Deed of Trust by reason of any demand made by
you or your successors in interest. Our forbearance in exercising any right or remedy will not
waive or preclude the exercise of any right or remedy.

10. Successors and Assigns Bound; Joint and Several Liability; Co-Signers.
The covenants and agreements of this Deed of Trust will bind and benefit your successors and
permitted assigns. Your covenants and agreements will be joint and several. Anyone who co-
signs this Deed of Trust but does not execute the Agreement: (a) is co-signing this Deed of
Trust only to grant and convey such person’s interest in the Property; (b) is not personally
obligated to pay the Agreement, but is obligated to pay all other amounts secured by this Deed
of Trust; and (c) agrees that we and anyone else who signs this Deed of Trust may agree to
extend, modify, forbear or make any accommodations regarding the terms of this Deed of Trust
or the Agreement without such person’s consent.

1. Loan Charges. If the loan secured by this Deed of Trust is subject to a law
which sets maximum loan charges, and that law is finally interpreted so that the interest or other
loan charges collected or to be collected in connection with the loan exceed the permitted limits,
then: (a) any such loan charge will be reduced by the amount necessary to reduce the charge to
the permitted limit; and (b) any amounts already collected from you which exceed permitted
limits will be refunded to you. We may choose to make this refund by reducing the principal
owed under the Agreement or by making a direct payment to you. If a refund reduces principal,
the reduction will be treated as a partial prepayment without any prepayment charge under the
Agreement.

12. Notices. Unless otherwise required by law, we may deliver any notice to you
provided for in this Deed of Trust by mail, at the most recent address we have on file for you, or
if you have consented to electronic communications, by e-mail or any other electronic method to
which you have consented. Unless otherwise required by law, any notice to us will be given by
first class mail to our address provided above or any other address we designate by notice to
you.

13. Governing Law; Severability. This Deed of Trust is governed by the law of the
jurisdiction in which the Property is located. In the event that any provision of this Deed of Trust
conflicts with applicable law, such conflict will not affect other provisions of this Deed of Trust
which can be given effect without the conflicting provision. The provisions of this Deed of Trust
are severable.

14. Transfer of the Property. If all or any part of the Property or any interest in it is
sold or transferred without our prior written consent, we may, at our option, require immediate
payment in full of all amounts secured by this Deed of Trust. However, this option will not be
exercised by us if exercise is prohibited by applicable law.

15. Sale of Agreement; Change of Loan Servicer. The Agreement or a partial or
participation interest in the Agreement (together with this Deed of Trust) may be sold one or
more times without prior notice to you. A sale may result in a change in the entity (known as the
‘Loan Servicer”) that collects monthly payments due under the Agreement and this Deed of
Trust. There also may be one or more changes of the Loan Servicer unrelated to the sale of the
Agreement. If there is a change of the Loan Servicer, you will be given written notice of the
change as required by applicable law. The notice will state the name and address of the new
Loan Servicer and any change in address to which payments should be made. The notice will
also contain any information required by applicable law.

16. Hazardous Substances. You will not cause or permit the presence, use,
disposal, storage, or release of any Hazardous Substances (defined below) on or in the
Property. You will not do, nor allow anyone else to do, anything affecting the Property that is in
violation of any Environmental Law (defined below). The preceding two sentences will not apply
to the presence, use, or storage on the Property of Hazardous Substances in quantities that are
generally recognized to be appropriate to normal residential uses and to maintenance of the
Property. You will promptly give us 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 you have actual knowledge. If
you learn or are notified by any government or regulatory authority, that any removal or other
remediation of any Hazardous Substance affecting the Property is necessary, you will promptly
take all necessary remedial actions in accordance with Environmental Law. As used in this
Deed of Trust, “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 Deed
of Trust, “Environmental Law” means federal laws and laws of the jurisdiction where the
Property is located that relate to health, safety or environmental protection.

17. Acceleration; Remedies. You will be in default if (a) any payment required
by the Agreement or this Deed of Trust is not made when it is due; (b) we discover that
you have committed fraud or made a material misrepresentation in connection with the
Agreement; or (c) you take any action or fail to take any action that adversely affects our
security for the Agreement or any right we have in the Property. If a default occurs, we
will give you notice specifying: (i) the default; (ii) the action required to cure the default;
(iii) a date, not less than 30 days from the date the notice is given to you, by which the
default must be cured; and (iv) that failure to cure the default on or before the date
specified in the notice may result in acceleration of the amounts secured by this Deed of
Trust and sale of the Property. The notice will further inform you of any right to reinstate
after acceleration and any right to bring a court action to assert the nonexistence of a
default or any other defense you may have to acceleration and sale. If the default is not
cured on or before the date specified in the notice, we, at our option, may require
immediate payment in full of all amounts secured by this Deed of Trust without further
demand and may invoke the power of sale and other remedies permitted by applicable

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law. We will be entitled to collect all charges, costs, fees and expenses incurred in
pursuing the remedies provided in this Section 17, including reasonable attorneys’ fees
as permitted by applicable law and costs of title evidence.

If we invoke the power of sale, we will execute or cause Trustee to execute a written
notice of the occurrence of an event of default and of our election to cause the Property
to be sold. Trustee will cause this notice to be recorded in each county in which any part
of the Property is located. We or Trustee will give notice of the sale in the manner
prescribed by applicable law to you and to the other persons prescribed by applicable
law. Trustee will give public notice of sale to the persons and in the manner prescribed
by applicable law. After the time required by applicable law, Trustee, without demand on
you, will sell the Property at public auction to the highest bidder at the time and place
and under the terms designated in the notice of sale in one or more parcels and in any
order Trustee determines. Trustee may postpone sale of all or any parcel of the Property
by public announcement at the time and place of any previously scheduled sale. Either
we or our designee may purchase the Property at any sale.

Trustee will deliver to the purchaser Trustee’s deed conveying the Property without any
covenant or warranty, express or implied. The recitals in Trustee’s deed will be prima
facie evidence of the truth of the statements made in the deed. Trustee will apply the
proceeds of the sale in the following order: (A) to all expenses of the sale, including
reasonable Trustee’s and attorneys’ fees; (B) to all amounts secured by this Deed of
Trust; and (C) any excess to the person or persons legally entitled to it.

18. Reconveyance. Upon your request and payment of all amounts secured by this
Deed of Trust, we will request Trustee to reconvey the Property and will surrender this Deed of
Trust and all notes evidencing debt secured by this Deed of Trust to Trustee. Trustee will
reconvey the Property without warranty and without charge to the person or persons legally
entitled to it. Such person or persons will pay any recordation costs. We may charge such
person or persons a fee for reconveying the Property, but only if the fee is paid to a third party
(such as Trustee) for services rendered and the charging of the fee is permitted under
applicable law.

19. Substitute Trustee. We may, at our option, from time to time appoint a
successor trustee to any Trustee. Without conveyance of the Property, the successor trustee
will succeed to all the title, powers and duties conferred upon the Trustee and by applicable law.

20. Attorneys’ Fees. As used in this Deed of Trust and in the Agreement, attorneys’
fees shall include those awarded by an appellate court.

21. Discontinuance of Enforcement. Notwithstanding our acceleration of the
amounts secured by this Deed of Trust under the provisions of Section 17, we may, in our sole
discretion and upon such conditions as we in our sole discretion determine, discontinue any
proceedings begun to enforce the terms of this Deed of Trust.

22. Additional Charges. Borrower agrees to pay any charges, costs, fees and
expenses permitted by law in connection with the servicing of the Agreement, including the
costs of obtaining tax searches and subordinations.

23. Waiver. You waive all rights of homestead exemption in, and statutory
redemption of, the Property and all right of appraisement of the Property and relinquish all rights
of curtesy and dower in the Property. No waiver by us at any time of any provision, agreement
or covenant contained in this Deed of Trust or the Agreement will be deemed to be or construed
as a waiver of any other provision, agreement or covenant or of the same provision, agreement
or covenant at any other time.

24, Riders to this Deed of Trust. If one or more riders are executed by you and
recorded together with this Deed of Trust, the covenants and agreements of each such rider will
be incorporated into and will amend and supplement the covenants and agreements of this
Deed of Trust as if the rider(s) were a part of this Deed of Trust.

Check applicable boxes:

[J Condominium Rider [] 2-4 Family Rider
[J Planned Unit Development Rider [J Second Home Rider
DART Rider [J Other(s) (specify)

25. WARNING. Unless you provide us with evidence of the insurance coverage as
required by our contract or loan agreement, we may purchase insurance at your expense to
protect our interest. This insurance may, but need not, also protect your interest. If the collateral
becomes damaged, the coverage we purchase may not pay any claim you make or any claim
made against you. You may later cancel this coverage by providing evidence that you have
obtained property coverage elsewhere.

You are responsible for the cost of any insurance purchased by us. The cost of this insurance
may be added to your contract or loan balance. If the cost is added to your contract or loan
balance, the interest rate on the underlying contract or loan will apply to this added amount. The
effective date of coverage may be the date your prior coverage lapsed or the date you failed to
provide proof of coverage.

The coverage we purchase may be considerably more expensive than insurance you can obtain
on your own and may not satisfy any need for property damage coverage or any mandatory
liability insurance requirements imposed by applicable law.

26. Protective Advances. This Deed of Trust secures any advances we, at our
discretion, may make under Section 6 of this Deed of Trust to protect our interest in the Property
and rights under this Deed of Trust.

BY SIGNING BELOW, you accept and agree to the terms, agreements and covenants
contained in this Deed of Trust and in any rider(s) executed by you and recorded with it.

03/06/2026
Nicole Mclin Date

03/06/2026
Woodrow Mclin Date

0238BA462779C8E94F5094EF024F5C46
9F88C4DBCOSB3F011F3343C093555900
21F17ADA239E130CF36423C4505057AA
6BB50DSFAG69ALFFAC244EDS7CEFT798A6
This instrument contains the original electronic signature of the
person executing the instrument and the original electronic
signature of the officer before whom the acknowledgment was
made on 03/06/2026 and 03/06/2026, respectively.

State of Nevada

County of Washoe

On this 6th day of March 2026, before me, Yvonne Lorena Sanchez-Villasenor
(the undersigned notary public), Nicole Mclin personally appeared by means of an
interactive two-way audio and video communication, proved to me through satisfactory
evidence which were a government-issued identification credential, credential analysis
and identity proofing, to be the person whose name is signed on the preceding or
attached instrument, and who acknowledged to me that this person was the maker of
the attached instrument and executed this instrument voluntarily as the free act of the
person named in the instrument for its stated purpose.

This notarial act was performed using audio-video communication.

Yvonne Lorena Sanchez-Villasenor

NOTARY PUBLIC
STATECF NEVADA
1.D. # 22-4646-02
My Comm. Exp, July 27, 2026

Audio-video signing and acknowledgment
performed using the Figure CSP Notary
Platform, as approved by the Nevada
Secretary of State, and authorized by
Regulation, LCB File No. R065-19, to Nevada
Administrative Code Chapter 240 (Notaries
Public).

State of Nevada

County of Washoe

On this 6th day of March 2026, before me, Alexandra Lisa Elwardt (the
undersigned notary public), Woodrow Mclin personally appeared by means of an
interactive two-way audio and video communication, proved to me through satisfactory
evidence which were a government-issued identification credential, credential analysis
and identity proofing, to be the person whose name is signed on the preceding or
attached instrument, and who acknowledged to me that this person was the maker of
the attached instrument and executed this instrument voluntarily as the free act of the
person named in the instrument for its stated purpose.

This notarial act was performed using audio-video communication.

Alexandra Lisa Elwardt

NOTARY PUBLIC
STATECF NEVADA
1.D. # 25-2354-02
My Comm. Exp. Feb, 21, 2029

Audio-video signing and acknowledgment
performed using the Figure CSP Notary
Platform, as approved by the Nevada
Secretary of State, and authorized by
Regulation, LCB File No. R065-19, to Nevada
Administrative Code Chapter 240 (Notaries
Public).

Loan Id: 1-26050-2861

Date: 03/06/2026

Mclin
ULI:549300RPOGWJRH63HS39126050286190
DART Phone: 1-888-488-9883

Or visit www.dartinc.io

DART Collateral Manager LLC RIDER
(DART Rider)

THIS DART COLLATERAL MANAGER LLC RIDER (“DART Rider’) is made
03/06/2026, and is incorporated into and amends and supplements the Deed of Trust
(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
(“Lender”) of the same date and covering the Property described in the Security
Instrument, which is located at:

3150 BURGDORF RD BONANZA, OR 97623 (“Property Address”),

In addition to the covenants and agreements made in the Security Instrument,
Borrower and Lender further covenant and agree that the Security Instrument is
amended as follows:

A. DEFINITIONS
1. The Definitions section of the Security Instrument is amended as follows:

‘Lender” is Union Home Mortgage Corp.. Lender's address is 8241 DOW CIR,
STRONGSVILLE, OH 44136. Lender is the beneficiary under this Security Instrument.
The term “Lender” includes any successors and assigns of Lender.

‘DART” is DART Collateral Manager LLC. DART is a separate company that is
the Nominee for Lender and is acting solely for Lender. DART is organized and existing
under the laws of Delaware, and has an address and telephone number of P.O. Box
32817, Charlotte, NC 28232, tel.1-888-488-9883. DART is appointed as the Nominee for
Lender to exercise the rights, duties and obligations of Lender as Lender may from time
to time direct, including but not limited to appointing a successor trustee, assigning, or
releasing, in whole or in part this Security Instrument, foreclosing or directing Trustee to
institute foreclosure of this Security Instrument, or taking such other actions as Lender
may deem necessary or appropriate under this Security Instrument. The term “DART”

includes any successors and assigns of DART. This appointment shall inure to and bind
DART, its successors and assigns, as well as Lender, until DART’s Nominee interest is
terminated.

2. The Definitions section of the Security Instrument is further amended to add
the following definition:

“‘Nominee” means one designated to act for another as its representative for a
limited purpose.

B. TRANSFER OF RIGHTS IN THE PROPERTY

The section beginning “Transfer of Rights in the Property” section of the Security
Instrument is amended to read as follows: This Security Instrument secures to Lender:
(i) the repayment of the Loan, and all renewals, extensions and modifications of the
Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower irrevocably grants and
conveys to Trustee, in trust, with power of sale, the following described property located
in the county of KLAMATH County, OR : described on exhibit A attached hereto

which currently has the address of 3150 BURGDORF RD BONANZA, OR 97623
(“Property Address”):

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.”

Lender, as the beneficiary under this Security Instrument, designates DART as
the Nominee for Lender. Any notice required by Applicable Law or this Security
Instrument to be served on Lender must be served on DART as the designated Nominee
for Lender. Borrower understands and agrees that DART, as the designated Nominee
for Lender, has the right to exercise any or all interests granted by Borrower to Lender,
including, but not limited to, the right to foreclose and sell the Property; and to take any
action required of Lender including, but not limited to, assigning and releasing this
Security Instrument, and substituting a successor trustee.

C. NOTICES
Section 12 of the Security Instrument is amended to read as follows:

12. Notices. All notices given by Borrower or Lender in connection with this
Security Instrument must be in writing. Any notice to Borrower in connection with this

Security Instrument shall be deemed to have been given to Borrower when mailed by
first class mail or when actually delivered to Borrower’s notice address if sent by other
means. Notice to any one Borrower shall constitute notice to all Borrowers unless
Applicable Law expressly requires otherwise. The notice address shall be the Property
Address unless Borrower has designated a substitute notice address by notice to
Lender. Borrower shall promptly notify Lender of Borrower's change of address. If
Lender specifies a procedure for reporting Borrower’s change of address, then Borrower
shall only report a change of address through that specified procedure. There may be
only one designated notice address under this Security Instrument at any one time. Any
notice to Lender shall be given by delivering it or by mailing it by first class mail to
Lender’s address stated herein unless Lender has designated another address by notice
to Borrower. Borrower acknowledges that any notice Borrower provides to Lender must
also be provided to DART as Nominee for Lender until DART’s Nominee interest is
terminated. Any notice provided by Borrower in connection with this Security Instrument
will not be deemed to have been given to DART until actually received by DART. Any
notice in connection with this Security Instrument shall not be deemed to have been
given to Lender until actually received by Lender. If any notice required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will
satisfy the corresponding requirement under this Security Instrument.

D. SALE OF NOTE; CHANGE OF LOAN SERVICER; NOTICE OF GRIEVANCE
Section 15 of the Security Instrument is amended to read as follows:

15. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or
a partial interest in the Note (together with this Security Instrument) can be sold one or
more times without prior notice to Borrower. Lender acknowledges that until it directs
DART to assign DART’s Nominee interest in this Security Instrument, DART remains the
Nominee for Lender, with the authority to exercise the rights of Lender. A sale might
result in a change in the entity (known as the “Loan Servicer”) that collects Periodic
Payments due under the Note and this Security Instrument and performs other mortgage
loan servicing obligations under the Note, this Security Instrument, and Applicable Law.
There also might 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 which will state the name and address of the new Loan Servicer, the address
to which payments should be made and any other information the Real Estate
Settlement Procedures Act requires in connection with a notice of transfer of servicing. If
the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the
purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain
with the Loan Servicer or be transferred to a successor Loan Servicer and are not
assumed by the Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as
either an individual litigant or the member of a class) that arises from the other party’s

actions pursuant to this Security Instrument or that alleges that the other party has
breached any provision of, or any duty owed by reason of, this Security Instrument, until
such Borrower or Lender has notified the other party (with such notice given in
compliance with the requirements of Section 15) of such alleged breach and afforded the
other party hereto a reasonable period after the giving of such notice to take corrective
action. If Applicable Law provides a time period which must elapse before certain action
can be taken, that time period will be deemed to be reasonable for purposes of this
paragraph.

E. SUBSTITUTE TRUSTEE
Section 19 of the Security Instrument is amended to read as follows:

19. Substitute Trustee. In accordance with Applicable Law, Lender or DART
may from time to time appoint a successor trustee to any Trustee appointed hereunder
who has ceased to act. Without conveyance of the Property, the successor trustee shall

succeed to all the title, power and duties conferred upon Trustee herein and by
Applicable Law.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this DART Rider.

03/06/2026

Nicole Mclin Date

03/06/2026

Woodrow Mclin Date

0238BA462779C8E94F5094EF024F5C46
9F88C4DBCO5B3F011F3343C093555900
21F17ADA239E130CE36423C4505057AA
6BB5ODOFAGOALIFFAC244ED87CEF798A6

This instrument contains the original electronic signature of the
person executing the instrument and the original electronic
signature of the officer before whom the acknowledgment was
made on 03/06/2026 and 03/06/2026, respectively.

EXHIBIT A - PROPERTY LEGAL DESCRIPTION

THE FOLLOWING REAL PROPERTY IS SITUATED IN THE COUNTY OF KLAMATH,
STATE OF OREGON, AND DESCRIBED FURTHER AS FOLLOWS:

That portion of Government Lot 4 (SW1/4 SW1/4) of Section 7, Township 39 South,
Range 11 East of the Willamette Meridian, Klamath County, Oregon lying Southerly of
the strip of land 60 feet wide being 30 feet on each side of the following described
center line beginning at a point on the West section line of Section 7, Township 39
South, Range 11 East of the Willamette Meridian that is 882.2 feet more or less,
Northerly along said Section line from the Southwest corner of said Section 7 and runs
South 80°43' East 525.1 feet, more or less, to a point; thence South 55°32' East 524.3
feet, more or less, to a point; thence South 30°21' East 576.3 feet, more or less, to a
point on the South line of said Section 7, which point is Easterly 1241.7 feet, more or
less, from the Southwest corner of Section 7, Township 39 South, Range 11 East of the
Willamette Meridian, Klamath County, Oregon.

Property Address: 3150 BURGDORF RD, BONANZA, OR 97623

apn: R603779