2026-002228 Klamath County, Oregon 03/13/2026 08:46:01 AM Fee: $172.00 When recorded, refurn to: Mason McDuffie Mortgage Corporation CIQ DocProbe 1132 Ocean Avenue, Mail Stop code: DP6804 Lakewood, NJ 08701 First American Tite_13 21 53 S MAIL TAX STATEMENT TO: Mason McDuffie Mortgage Corporation 12647 Alcosta Blvd, Suite #300, San Ramon, CA 94583 Title Order No.: 7161-4321153 Escrow No.: 7161-4321153 LOAN #: 14425023378 1. e G nace Below This Line For Acknowledgment] — e — DEED OF TRUST COVER PAGE This Cover Page MUST be attached with your recordable document Grantor/Borrower Name(s) and Address: Sheila E McKelvie 19305 Garden Ave Bly, OR 97622 Grantee/Lender Name and Address: Mason McDuffie Mortgage Corporation 12647 Alcosta Blvd, Suite #300 San Ramon, CA 94583 Trustee Name and Address: First American Title Insurance Company 1 First American Way Santa Ana, CA 92707 Name and Address of Nominee for Lender: Mortgage Electronic Registration Systems, Inc. P.O. Box 2026 Flint, MI 48501-2026 The true and actuai consideration paid for this transfer is $150,000.00. Until a change is requested, all tax statements shall be sent to the following address: Mason McDuffie Mortgage Corporation 12647 Alcosta Bivd, Suite #300 San Ramon, CA 94583 Or. Rev. Stat. 205.234 ICE Mortgage Technology, Inc. ORCOVER 0324 ORCOVER (CLS) Lt R o ] When recorded, return to: Mason McDuffie Mortgage Corporation C/C DocProbe 1133 Ocean Avenue, Mail Stop code: DP6801 Lakewood, NJ 08701 Title Order No.: 7161-4321153 Escrow No.: 7161-4321153 LOAN #: 14425023378 [Space Above This Line For Recording Data] DEED OF TRUST [MIN 1004179-5000172738-8 | MERS PHONE #: 1-888-679-6377 DEFINITIONS Words used in muliiple sections of this document are defined below and other words are defined under the capt!on TRANSFER OF RIGHTS IN THE PROPERTY and in Secticns 3, 4, 10, 11, 12, 16, 18, 24, and 25, Certain rules regarding the usage of words used in this document are also provided in Section 17. Parties (A) “Borrower” is SHEILA E MCKELVIE currently residing at 19305 Garden Ave, Bly, OR 27622. Borrower is the grantor under this Security Instrument. (B) “Lender” is Mason McDuffie Mortgage Corporation. Lender is a Corporation, organized and existing under the laws of California. Lender’s address is 12647 Alcosta Blvd, Suite #300, San Ramon, CA 94583. Lender is the beneficiary under this Security Instrument. The term “Lender’ inciudes any successors and assigns of Lender. (C) “Trustee” is First American Title Insurance Company. Trustee’s address is 1 First American Way, Santa Ana, CA 92707. The term “Trustee” includes any substitute/successor Trustee. (D) “MERS” is the Mortgage Electronic Registration Systems, Inc. Lender has appointed MERS as the nominee for Lender for this Loan, and attached a MERS Rider to this Security Instrument, to be executed by Borrower, which further describes the relationship between Lender and MERS, and wnich is incorporated into and amends and supplements this Security Instrument. OREGON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 1 of 12 OR21EDEED 0322 WS SR AR e LOAN #: 14425023378 Documents (E) “Note” means the promissory note dated March 9, 2026, and signed by each Borrower who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower’s written pen and ink signature, or (it} electronic form, using Barrower’s adopted Electronic Signature in accordance with the UETA or E-SIGN, as applicable. The Note evidences the legal obiigation of each Borrower who signed the Note to pay Lender ONEHUNDREDFIFTYTHOUSANDANDNOI‘IGO*********f**'k**********************?***‘***‘k* deodode ok ok F ok kR R Rk Rk kk ok okok ok ok ok ok ok odeok ok h ok Rk kEkkk R kR kR koW Dollars (US' 5‘550,000.00 )plUS interest.EaCh Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than April 1, 2058. {F} “Riders” means all Riders to this Security Instrument that are signed by Borrower. Ali such Riders are incorporated into and deemed to be a part of this Security Instrument. The foliowing Riders are fo be signed by Borrower [check box as applicable}: [ Adjustable Rate Rider (L) Condominium Rider I Second Home Rider ] 1-4 Family Rider (] Planned Unit Developrment Rider ] V.A. Rider {1 Other(s) [specify] [x] MERS Rider (G) “Security instrument” means this document, which is dated March 9, 2026, together with all Riders to this document. Additional Definitions (H) “Applicable Law” means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial epinions. ([} “Community Association Dues, Fees, and Assessments” means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. (J) “Detault” means: (i) the failure to pay any Periodic Payment or any other amount secured by this Security Instrument on the date it is due; (ii}) a breach of any representation, warranty, covenant, obligation, or agrsement in this Security Instrument; (iiiy any materially false, misleading, or inaccurate information or statement to Lender provided by Borrower or any persons or entities acting at Borrower’s direction or with Borrower’s knowledge or consent, or failure to provide Lender with material information in connection with the Loan, as described in Section 8; or (iv) any action or proceading described in Section 12(e). (K} “Electronic Fund Transfer” means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape s0 as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated telier machine transactions, fransfers initiated by telephone or other elecironic device capable of communicating with such financial instituiion, wire transfers, and automated clearinghouse transfers. (L) “Electronic Signature” means an “Electronic Signature” as defined in the UETA or E-SIGN, as applicable. {M) “E-SIGN” means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.}, asit may be amended from time to time, or any appiicable additional or successor legislation that governs the same subject matter. (N) “Escrow ltems” means: (i) taxes and assessments and other items that can attain pricrity over this Security Instrument as a lien or encumbrance on the Property; (ii) leasehold payments or ground rents on the Property, if any, (iii) premiums for any and all insurance required by Lender under Section 5; (iv) Mortgage Insurance premiums, if any, or any sums payable by Borrawer to Lender in lisu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 11; and (v) Community Association Dues, Fees, and Assessments if Lender requires that they be escrowed beginning at Loan closing or at any time during the Loan term. {0} “Loan” means the debt obligation evidenced by the Note, plus interest, any prepayment charges, cosis, expenses, and late charges due under the Note, and ail sums due under this Security Instrument, plus interest. (P) “Loan Servicer” means the entity that has the contractual right to receive Borrower’s Periodic Payments and any other payments made by Borrower, and administers the Loan on behalf of Lender. Loan Servicer does not include a sub-servicer, which is an entity that may service the Loan on behalf of the Loan Servicer, (Q) “Miscellaneous Proceeds™ means any compensation, settlement, award of damages, or proceeds paid by any third party {other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (i) condemnation or other taking of all or any part of the Property; (iil) conveyance in lieu of condemna- tion; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (R) “Mortgage Insurance” means insurance protecting Lender against the nonpayment of, or Default on, the Loan. (S) “Partial Payment” means any payment by Borrower, other than a voluntary prepayment permitted under the Nate, which is less than a full outstanding Periodic Payment. (T) “Periodic Payment” means the regularly scheduled amount due for (i} principal and interest under the Note, plus (i) any amounts under Section 3. (U) “Property” means the property describad below under the heading “TRANSFER OF RIGHTS IN THE PROPERTY? (V) “Rents” means all amounts received by or due Borrower in connection with the lease, use, and/or occupancy of the Property by a party other than Borrower. (W) “RESPA” means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 et seq.) and its implementing ragu- fation, Regulation X (12 C.F.R. Part 1024), as they may be amended from time io time, or any additional or successor OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM iINSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 2 of 12 QR21EDEED 0322 B e R A s B ) LOAN #: 14425023378 federal legisiation or regulation that governs the same subject matter. When used in this Security Instrument, “RESPA’ refers to all requirements and restrictions that would apply io a “federally related mortgage loan” even if the Loan does not qualify as a “federally related mortgage loan” undsr RESPA. {X) “Successor in Interest of Borrower” means avy party that has taken titie to the Property, whether or not that party has assumed Borrower’s obligations under the Note and/or inis Security Instrument. (Y) “UETA” means the Uniform Electronic Transactions Act, as enacted by the jurisdiction in which the Property is jocated, as it may be amended from time ic time, or any applicable dditional or successor legisiation that governs the same subject maiter. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender (i) the repayment of the Loan, and all renewals, extensions, and meodifica- tions of the Note, and (i) the performance of Borrower’s cevenants 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 describad property located in the County of Klamath: See legal description attached hereto and made a part hereof APN #: 366231 which currently has the address of 18305 Garden Avenue, Bly {Street] [City] Oregon 97622 ("Property Address”); [Zlp Code) TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions to the improvements on such property, ail property rights, including, without limitation, all easements, appurte- nances, royalties, mineral rights, oil or gas rights or profits, water rights, and fixtures now or subsequently a part of the property. All of the foregoing is referred to in this Security instrument as the “Property.” BORROWER REPRESENTS, WARRANTS, COVENANTS, AND AGREES that: (i) Borrower tawfully cwns and possesses the Property conveyed in this Security Instrument in fee simple or lawfully has the right to use and occupy the Property under a leasehold estate; (ii) Borrowar has the right to grant and convey the Property or Borrower's lease- hoid interest in the Property; and (iii) the Property is unencumbeéred, and not subject to any other ownership interest in the Property, except for encumbrances and ownership interests of record. Borrower warrants generally the title to the Praperty and covenants and agrees to defend the titie 1o the Property against all claims and demands, subject to any encumbrances and ownership interests of record as of Loan closing. THIS SECURITY INSTRUMENT combines uniform covenants for national use with limited variations and non-uniform covenants that reflect specific Oregen state reguirements to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, interest, Escrow ltems, Prepayment Charges, and Late Charges. Borrower will pay each Periodic Payment when due. Borrower will also pay any prepayment charges and late charges due under the Note, and any other amounts due under this Security Instrument. Payments due under the Note and this Security Instrument must be made in U.S. currency. If any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or mare of the following forms, as selected by Lender: (a) cash; (b} money order; {c) certified check, bank check, treasurer’s check, or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instrumentality, or entity; or (d) Electronic Fund Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 16. Lender may accept or return any Partial Payments in its sole discretion pursuant © Section 2. Any offset or claim that Borrower may have now or in the future against Lender will not relieve Borrower from making the full amount of all payments due under the Note and this Security instrument or performing the covenants and agree- ments secured by this Security Instrument. OREGON - Singfe Family — Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Techniology, Inc. Page 3 of 12 OR21EDEED 0322 B i e AR R R L S LOAN #: 14425023378 2. Accepiance and Application of Paymenis or Proceeds, (a) Acceptance and Application of Partial Payments. Lender may accept and either apply or hoid in suspense Partial Payments in its sole discretion in accordance with this Section 2. Lender is not obligated to accept any Partial Pay- ments or to apply any Partial Payments at the time such paymenis are accepied, and also is not obligated to pay interest on such unapplied funds. Lender may hold such unapplied funds until Borrower makes payment sufficient to cover a full Pariodic Payment, at which time the amount of the full Periodic Payment will be applied fo the Loan. If Borrower does not make such a payment within a reasonable period of time, Lender will either apply such funds in accordance with this Section 2 or return them to Borrower. If not applied earlier, Partial Payments will be credited against the total amount due under the Loan in calculating the amount due in connection with any foreclosure proceeding, payoff request, loan modification, or reinstatement. Lender may accept any payment insufficient to bring the Loan current without waiver of any rights under this Security instrument or prejudice to its rights to refuse such payments in the future. {b) Order of Application of Partial Payments and Periodic Payments. Except as otherwise described in this Section 2, if Lender applies a payment, such payment will be applied to each Periodic Payment in the order in which it became due, beginning with the oldest outstanding Pericdic Payment, as follows: first to interest and then {o principal due under the Note, and finally to Escrow Items. If all outstanding Periodic Payments then due are paid in fuil, any pay- ment amounts remaining may be applied to late charges and {0 any amounts then due under this Security [nstrument. If all sums then due under the Note and this Security Instrument are paid in fuil, any remaining payment amount may be applied, in Lender's sole discretion, o a future Periodic Payment or to reduce the principal balance of the Note. If Lender receivas a payment from Borrower in the amount of ane or more Periodic Payments and the amount of any late charge due for a delinquent Periodic Payment, the payment may be applied to the delinguent payment and the late charge. When applying paymenis, Lender will apply such payments in accordance with Applicable Law. (¢} Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note. (d) No Change to Payment Schadule. Any application of payments, insurance proceeds, or Misceilansous Proceeds to principal due under the Note will not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow lfems. {a} Escrow Requirement; Escrow items. Boerrower must pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum of money 1o provide for payment of amounts due for all Escrow ltems {the “Funds®). The amount of the Funds required to be paid each month may change during the term of the Loan. Borrower must promptly furnish to Lender all notices or invoices of amounts to be paid under this Section 3. {b) Payment of Funds; Waiver. Borrower must pay Lender the Funds for Escrow ltems unless Lender waives this obligation in writing. Lender may waive this obligation for any Escrow ltem at any time. In the event of such waiver, Bor- rower must pay directly, when and where payable, the amounts due for any Escrow items subject to the waiver. If Lender has waived the requirement to pay Lender the Funds for any or all Escrow ltems, Lender may require Borrower to provide proof of direct payment of those items within such time pericd as Lender may require. Borrower's obligation to make such timely payments and to provide proof of payment is deemed to be a covenant and agreement of Borrower under this Security Instrument. If Borrower is obligated to pay Escrow ltems directly pursuant to a waiver, and Borrower fails to pay timely the amount due for an Escrow ltem, Lender may exercise its rights under Section 9 to pay such amount and Borrower will be obligated to repay to Lender any such amount in accordance with Section 9. Lender may withdraw the waiver as to any or all Escrow ltemns at any fime by giving a notice in accordance with Seclion 16; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow ltems, and in such amounts, that are then required under this Section 3. (c} Amount of Funds; Applicaticn of Funds. Lender may, at any time, collect and hold Funds in an amount up to, but not in excess of, the maximum amount a lender can require under RESPA. Lender will estimate the amount of Funds due in accordance with Applicable Law. The Funds will be held in an institution whose deposits are insured by a U.S. federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender will apply the Funds to pay the Escrow ltems rio later than the time specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (i) annually analyzing the escrow account; or {iii) verifying the Escrow ltems, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and Borrower agree in writing or Applicable Law requires interest to be paid on the Funds, Lender will not be required to pay Borrower any interest or earnings on the Funds. Lender will give to Borrower, without charge, an annual accounting of the Funds as required by BESPA. (d} Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a surpius of Funds held in escrow, Lender will account to Borrower for such surplus. if Borrower’s Periodic Payment is delinguent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of the Escrow ltems. If there is a shortage or deficiency of Funds held in escrow, Lender wili natify Borrower and Borrower will pay to Lender the amount necessary to make up the shortage or deficiency in accordance with RESPA. Upon payment in full of all sums secured by this Security instrument, Lender will promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower must pay (a} all taxes, assessments, charges, fines, and impositions aftributable to the Property which have priority or may attain priority over this Security Instrument, (b} leasehold payments or ground rents on the Property, if any, and {c) Community Association Dues, Fees, and Assessments, if any. If any of these items are Escrow Items, Borrower will pay them in the manner provided in Section 3. Borrower must promptly discharge any lien that has priority or may attain priority over this Security Instrument unless Borrower: (aa) agrees in writing to the payment of the obligation secured by the lien in & manner acceptable to Lender, but pnl{y s? tong as Borrowgr is? performing undgr suchlagreement; {bb) contests the lien in good faith by, or defends ;%az?fo?rge?';{;i?i?z ;); tlr;eenhen in, tegal proceedlqgs which L,ene;ier determines, in its sole dlsore§!on, operate t0 prevent while those proceedings are pending, but only until such proceedings are concluded: or OREGON ~ Single Family — Fannie Mae/Freddie Mac UNIFGRM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 4 of 12 CR21EDEED 0322 xR AR e LOAN #: 14425023378 (cc) secures from the holder of the lien an agreement satisizciory w Lender that subordinates the lien to this Security Instrument (coltectively, the “Required Actions™. If Lender determines that any part of the Property is subject to a lien that has priority or may attain priority over this Securily Instrument and Borrower has not taken any of the Required Actions in regard 1o such lien, Lender may give Borrower 3 notice identiiying the lien. Within 10 days after the date on which that notice is given, Borrower must satisfy the lien or take one or more of the Required Actions. 5. Property insurance. {a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or subsequently erected on the Property insured against loss by fire, hazards included within the term “extended coverage,” and any other hazards including, but not fimited to, earthquakes, winds, and floods, for which Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts (including deductibte levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan, and may exceed any minimum coverage required by Applicable Law. Borrower may choose the insurance carrier providing the insurance, subject to Lender’s right tc disapprove Borrower’s choice, which right will not be exercised unreascnably. {k) Failure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has failed to maintain any of the required insurance coverages described above, Lender may obtain insurance coverage, at Lender’s option and at Borrower's expense, Unless required by Applicable Law, Lender is under no obligation o advance premiums for, or to seek to reinstate, any prior lapsed coverage obtained by Borrower. Lender is under no obligation to purchase any particular type or amount of coverage and may select the provider of such insurance in its sole discretion. Before purchas- ing such coverage, Lender will notify Borrower if required to do so under Applicable Law. Any such coverage will insure Lender, but might not protect Barrower, Borrower’s equity in the Property, or the contents of the Property, against any risk, hazard, or liability and might provide greater or iasser coverage than was previcusly in effect, but not exceeding the coverage required under Section 5{a). Borrower acknowledges that the cost of the insurance coverage so obfained may significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender for costs assaciated with reinstating Borrower’s insurance policy or with placing new insurance under this Section 5 will become additicnal debt of Borrower secured by this Securily Instrument. These amounts will bear interest at the Note rate from the date of disbursement and will be payable, with such interest, upon notice from Lender to Borrower requesting payment. {c)} Insurance Policies. All insurance policies required by Lender and renewals of such policies: (i) will be subject to Lender's right to disapprove such policies; (i) must inciude a standard mortgage clause; and (iii) must name Lender as mortgages and/or as an additional loss payee. Lender will have the right to held the policies and renewal certificates. If Lender requires, Borrower will promptly give to Lender proof of paid premiums and renewal notices. |f Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy must include a standard morigage clause and must name Lender as mertgagee and/or as an additional loss payee. {d) Proof of Loss; Application of Proceeds. In the event of loss, Borrower must give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Barrower. Any insurance proceeds, whether or not the underlying insurance was required by Lender, will be applied to restoration or repair of the Property, if Lender deems the restoration or repair to be economically feasible and determines that Lender’s security will not be lessened by such restoration or repair. If the Property is to be repaired or restored, Lender will disburse from the insurance proceeds any initial amounts that are necessary to begin the repair or restoration, subject to any restrictions applicabie 1o Lender. During the subsequent repair and restoration period, Lender will have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender’s satisfaction (which may include satisfying Lender's minimum eligibility requirements for persons repairing the Property, including, but not limited to, licensing, bond, and insurance requirements) provided that such inspection must be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed, depend- ing on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property, or payable jointly to both. Lender will not be required t¢ pay Borrower any interest or earnings on such insurance proceeds unless Lender and Borrower agree in writing or Applicable Law requires otherwise. Fees for public adjusters, or other third parties, retained by Borrower wili not be paid out of the insurance proceeds and will be the sole obligation of Borrower. if Lender deems the restoration or repair not to be economically feasible or Lender’s security would be lessened by such resteration or repair, the insurance proceeds will be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower, Such insurance proceeds will be applied in the order that Partial Payments are applied in Section 2(b). (e} Insurance Settlements; Assignment of Proceeds. If Borrower abandons the Property, Lender may file, negoti- ate, and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to setile a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 26 or otherwise, Borrower is unconditionafly assigning to Lender (i) Borrower’s rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note and this Security Instrument, and (i) any other of Borrower’s rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, to the extent that such rights are applicable to the coverage of the Property. If Lender files, negotiates, or settfes a claim, Borrower agrees that any insurance proceeds may be made payable directly to Lender without the need to include Borrower as an additional loss payee. Lender may use the insurance proceeds either to repair or restore the Property (as provided in Section 5(d)) or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower must accupy, establish, and use the Property as Borrower's principal residence within 60 days after the exscution of this Security Instrument and must continue to occupy the Property as Borrawer’s principal rgsidence for at least one year after the date of occupancy, uniess Lender otherwise agrees in writing, which consent will not be unreasonably withheld. or unless extenuating circumstances exist that are beyond Borrower’s cantrol. OREGON — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT {MERS} Form 3038 07/2021 ICE Mertgage Technology, Inc. Page 5 of 12 . ORZ1EDEED 0322 B Dot bR B b LOAN #: 14425023378 7. Preservation, Maintenance, and Protection of the Froperty; Inspections. Borrower will not destroy, dam- age, or impair the Property, allow the Property o deteriorate, or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower must maintain ihe Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless Lendsr delermines pursuant to Section 5 that repair or restoration is not economically feasible, Borrower will promptly repair the Property if damaged to avoid further deterioration or damage. If insurance ar condermnation proceeds are paid tc Lender in connection with damage 1o, or the taking of, the Property, Barrower will be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress paymenis as the work is completed, depending on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property, or payabie jointly to both. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower remains obligated to complets such repair or restoration, Lender may make reasonahle entries upon and inspections of the Property. If Lender has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender will give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrower’s Loan Application. Borrower will be in Default f, during the Loan application process, Barrower or any persons or entities acting at Borrower’s direction or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements io Lender {or failed to provide Lender with material information} in connection with the Loan, including, but not limited 1o, overstaiing Borrower’s income or assets, understating or failing to pravide documentation of Borrower’s debt obligations and liabilities, and misrepresenting Borrower’s occupancy or intended occupancy of the Property as Borrower’s principal residence. 9. Protection of Lender’s Interest in the Property and Rights Under this Security Instrument. (a) Protection of Lender’s interest. If: (i) Borrower fails io perform the covenants and agreements comained in this Security Instrument; (i) there is a legal proceeding or government order that might significantiy affect Lender’'s interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptey, probate, for condemnation or fordfeiture, for enforcement of a lien that has priority or may attain priority over this Security Instrument, or to enforce laws or regulations); or (iii) Lender reasonabiy believes that Borrower has abandoned the Praperty, then Lender may do and pay for whatever is reasonable or appropriate fo protect Lender’s interest in the Property and/or rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender’s actions may include, but are not lirnited to: (I) paying any sums secured by a lien that has priority or may attain priority cver this Security Instrument; (1} appearing in court; and (lll} paying: (A) reasonable atforneys’ fees and costs; {B) property inspection and valuation fees; and (C) other fees incurred for the purpose of protecting Lender’s interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy pro- ceeding. Securing the Property includes, but is not limited to, exterior and interior inspections of the Property, entering the Property to make repairs, changing locks, replacing or boarding up doors and windows, draining water from pipes, eliminating building or other code violations or dangerous conditions, and having utilities turned on or off. Althcugh Lender may take action under this Section 9, Lender is not required to do so and is not under any duty or obligation fo do so. Lender will not be liable for not taking any cr all actions autherized under this Section 8. (b) Avoiding Foreclosure; Mitigating Losses. If Borrower is in Default, Lender may work with Borrower o avoid foreclosure and/or mitigate Lender's potential losses, but is not obligated to do so unless required by Applicable Law. Lender may take reasonable actions 1o evaluate Borrower for available alternatives to foreclosure, including, but not limited 1o, obtaining credit reports, title reports, title insurance, property valuations, subordination agreements, and third- party approvals. Borrower authorizes and consents to these actions. Any costs associated with such loss mitigation activities may be paid by Lender and recovered from Borrower as described below in Section 8{¢}, unless prohibited by Applicable Law. {c} Additional Amounts Secured. Any amourts disbursed by Lender under this Section 9 will become additional debt of Borrower secured by this Security Instrument, These amounts may bear interest at the Note rate from the date of disbursement and will be payable, with such interest, upon notice from Lender to Borrower requesting payment. (d) Leasehold Terms. If this Security Instrument is on a leasehold, Borrower will comply with all the provisions of the lease. Borrower will not surrender the leasehold estate and interests conveyed or terminate or cance! the graund lease. Borrower will not, without the express writen consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title will not merge unless Lender agrees to the merger in writing. 10. Assignment of Rents. (a) Assignment of Rents. If the Property is leased to, used by, or occupied by a third party (“Tenant”), Borrower is unconditionally assigning and transferring to Lender any Rents, regardless of to whom the Rents are payable. Borrower authorizes Lender o coilect the Rents, and agrees that each Tenant will pay the Rents to Lender. However, Borrower will receive the Rents until (i) Lender has given Borrower notice of Default pursuant to Section 26, and (i) Lender has given notice to the Tenant that the Rents are to be paid to Lender. This Section 10 constitutes an absolute assignment and not an assignment for additional security only. (b} Notice of Defauit. If Lender gives notice of Default io Borrower: (i) all Rents received by Borrower must be heid by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security Instrument; {ify Lender will be entitled to collect and receive all of the Rents; (iil) Borrower agrees to instruct each Tenant that Tenant is to pay all Rents due and unpaid to Lender upon Lender’s writen demand to the Tenant; {iv} Barrower will ensure that each Tenant pays all Rents due to Lender and will take whatever action is necessary to coliect such Rents if not paid to Lender; (v) unless Applicable Law provides otherwise, all Rents coliected by Lender will be applied first to the costs of taking control of and managing the Property and collecting the Rents, including, but not limited to, reasonable attorneys’ fees and costs, receivers fees, premiums on receiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments, and cother charges on the Property, and then to any other sums secured by this Security Instrument; OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM [INSTRUMENT {MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Fage 6 of 12 ORZ1EDEED 0322 B Dol e A e ILOAN #: 144250623378 (vi) Lender, or any judicially appointed receiver, wiit be fabie 1o account for only those Rents actually received; and {vii} Lender will te entitled 1o have a receiver appoinied ic iaKke possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as 10 the inadequacy of the Property as security. {c} Funds Paid by Lender. If the Rents are not sufficient to cover the costs of taking control of and managing the Property and of coliecting the Rents, any funds paid by Lender for such purposes will become indebtedness of Borrower to Lender secured by this Security Instrument pursuant to Saction 8. {d} Limitation on Collection of Rents. Borrower may not coliect any of the Rents more than one month in advance of the time when the Rents become due, except for security or similar deposits. (e} No Other Assignment of Rents. Borrower represents, warrants, covenants, and agrees that Borrower has not signed any prior assignment of the Rents, will not rnake any iurther assignment of the Rents, and has not performed, and will not perform, any act that could prevent Lender from exercising its rights under this Security Instrument. (f) Controi and Maintenance of the Property. Unless required by Applicable Law, Lender, or a recsiver appointed under Applicable Law, is not obligated to enter upon, take control of, or mzintain the Property before or after giving notice of Default to Borrower, However, Lender, or a receiver appoinied under Applicable Law, may do s0 at any time when Borrower is in Default, subject 1o Applicable Law. {g) Additiona! Provisions. Any application of the Rents will not cure or waive any Default or invalidate any other right or remedy of Lender. This Section 10 does not relieve Borrower of Borrower's obligations under Section 6. This Section 10 will terminate when all the sums secured by this Security Instrument are paid in full. 11. Mortgage Insurance. (a) Payment of Premiums; Substitution of Policy; Loss Reserve; Protection of Lender. If Lender requirad Mortgage Insurance as a condition of making the Loan, Borrower will pay the premiums required to maintain the Mort- gage Insurance in effect. if Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, and (i) the Mortgage Insurance coverage required by Lender ceases for any reason o be available from the mortgage insurer that previously provided such insurance, or {ii) Lender determines in its sole discretion that such mortgage insurer is no longer eligible 1o provide the Morigage Insurance coverage required by Lender, Borrower will pay the premiums required to abtain coverage substaniially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost fo Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. if substantially equivalent Morigage Insurance coverage is not availabie, Borrower will continue to pay to Lender the amoint of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use, and retain these payments as a non-refundable loss reserve in lieu of Morigage Insurance. Such loss reserve will be non-refundable, even when the Loan is paid in full, and Lender will not be required to pay Borrower any interest or earnings on such ioss reserve. Lender will no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. if Lender required Morigage insurance as a condition of making the Loan and Borrower was required to make sepa- rately designated payments toward the premiums for Mortgage Insurance, Borrower will pay the premiums required to maintain Morigage Insurance in effect, or to provide a non-refundabie loss reserve, until Lender’s requirement for Mortgage Insurance ends in accordance with any writter agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 11 affects Borrower’s obligation 1o pay interest at the Note rate. (b} Mortgage Insurance Agreements. Morigage Insurance reimburses Lender for certain losses Lender may incur if Borrower does net repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance policy or coverage. Mortgage insurers evaluate their total risk on all such insurance in force from time 1o time, and may enter into agree- ments with other parties that share ar modify their risk, or reduce losses. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage insurance premiums). As a result of these agreements, Lender, ancther insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly} amounts that derive from {or might be characterized as) a portion of Bor rower's payments for Mortgage insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing logses. Any such agreements will not: (i) affect the amcunts that Borrower has agreed 1o pay for Mortgage Insurance, or any other terms of the Loan; (i} increase the amount Borrower will owe for Mortgage Insurance; (iii) entitle Borrower to any refund; or (iv) affect the rights Borrower has, if any, with respect to the Morlgage Insurance under the Homeowners Protection Act of 1998 (12 U.5.C. § 4901 et seq.), as it may be amended from time to time, or any additional or successor federal legislation or regulation that governs the same subject matter ("HPA™). These rights under the HPA may include the right to receive certain disclosures, 0 request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such canceliation or termination. 12. Assignment and Appiication of Miscellanecus Proceeds; Forfeiture. (a) Assignment of Miscellaneous Proceeds. Borrower is unconditionaily assigning the right to receive all Miscel- faneous Proceeds to Lender and agrees that such amounts wili be paid to Lender. (b) Application of Miscellaneous Proceeds upon Damage to Property. fthe Property is damaged, any Miscellaneous Proceeds will be applied to restoration or repair of the Property, if Lender deems the restoration or repair to be economicaily feasible and l.ender’s security will not be lessened by such restoration or repair. During such repair and restoration period, Lender will have the right to hold such Miscellaneous Proceeds unti! Lender has had an opportunity to inspect the Property to ensure the work has been completed fo Lender’s satistaction (which may include satisfying Lender’s minimurn eligibility requirements for persons repairing the Property, including, but not limited to, licensing, bond, and insurance reguirements) OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, inc. Page 7 of 12 - - OR21EDEED 0322 B B G e A R g LOAN #: 14425023378 provided that such inspection must be undertaiken prompty. Lendsr may pay for the repairs and restoration in a single dis- bursement or in a series of progress payments as the work is completed, depending on the size of the repair or restoration, the terms of the repair agreement, and whether Borrcwer is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the persen repairing or restoriing the Froperty, or payable jointly to both. Unless Lender and Borrower agree in writing or Applicable Law requires interest t be paid on such Miscellaneous Proceeds, Lender will not be required o pay Borrower any interest or earnings on such Miscellansous Proceeds. If Lender deems the restoration or repair not to be economically feasible or Lender's security would be iessened by such restoration or repair, the Miscellanecus Praceeds will be appiied to the sums secured by this Security instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds will be applied in the order that Partial Payments are applied in Section 2{b). {c) Application of Miscellanecus Proceeds upon Condemnation, Destruction, or Loss in Value of the Property. In the event of a total taking, destruction, or loss in value of the Properiy, all of the Miscellaneous Praceeds will be appiied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Barrower. In the event of a partial taking, destruction, or ioss in value of the Property (each, a “Partial Devaluation™) where the fair market value of the Property immediately before the Partial Devaluation is equal to or greater than the amount of the sums secured by this Security instrument immediately before the Partial Devaluation, a percentage of the Miscellaneous Proceeds will be appiied to the sums secured by this Security instrument unless Borrower and Lender otherwise agree in writing. The amount of the Miscellanaous Proceeds that will be so applied is determined by multiplying the total amount of the Miscellaneous Proceeds by a percentage calculated by taking (i} the total amount of the sums secured immediately befare the Partial Devaluation, and dividing it by (if) the fair market value of the Property immediately before the Partial Devaluation. Any balance of the Miscellanecus Proceeds will be paid 1o Borrower. In the event of a Partial Devaluation whare the fair market value of the Property immediately before the Partial Devalu- ation is less than the amount of the sums secured immediately before the Partial Devaluation, all of the Miscellaneous Proceeds will be applied 1o the sums secured by this Security Instrument, whether or not the sums are then due, unless Borrower and Lender otherwise agree in writing. {d) Setiiement of Claims. Lender is authorized to collect and apply the Miscellaneous Proceeds either to the sums secured by this Security Instrument, whether or not then due, or to restoration or repair of the Property, if Borrower (i) abandons the Property, or (fi) fails to respond to Lender within 30 days after the date Lender notifies Borrower that the Opposing Party (as defined in the next sentence) offers o setile a claim for damages. “Opposing Party” means the third party that owes Borrower the Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to the Miscellaneous Proceeds. {e} Proceeding Affecting Lender’s Interest in the Property. Borrower will be in Default if any action or proceeding begins, whether civil or criminal, that, in Lender’s judgment, could result in forfeiture of the Property or other material impair- ment of Lender’s interest in the Property or rights under this Security Instrument. Borrower can cure such a Default and, if acceleration has occurred, reinstate as provided in Section 20, by causing the action or proceeding fo be dismissed with a ruling that, in Lender’s judgment, preciudes forfeiture of the Property or other material impairment of Lender’s interest in the Property or rights under this Security Instrument. Borrower is unconditionally assigning to Lender the proceeds of any award or claim for damages that are afiributable to the impairment of Lender’s interest in the Property, which proceeds will be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property will be applied in the order that Partial Payments are applied in Section 2(b). 13. Borrower Not Released; Farbearance by Lender Not a Waiver. Borrower or any Successor in Interest of Bor rower will not be released from liability under this Security Instrument if Lender extends the time for payment or modifies the amortization of the sums secured by this Security Instrument. Lender will not be required to commence proceedings against any Successor in Interest of Barrower, or to refuse to extend time for payment or otherwise madify amortization of the sums secured by this Security Instrument, by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without fimitation, Lender’s acceptance of payments from third parsens, entities, or Successors in Interest of Borrower or in amounts less than the amourt then due, will not be a waiver of, or preclude the exercise of, any right or remedy by Lender. 14. Joint and Several Liability; Signatories; Successors and Assigns Bound. Borrower’s abligations and liability under this Security Instrument will be joint and several. However, any Borrower who signs this Security Instrument but does not sign the Note: {a) signs this Security Instrument to mortgage, grant, and convey such Borrower’s interest in the Property under the terms of this Security Instrument; (b} signs this Security Instrument to waive any applicable inchoate rights such as dower and curtesy and any availabie homestead exemptions; (¢) signs this Security Instrument to assign any Miscellaneous Proceeds, Rents, or other earnings from the Property to Lender; {d) is not personally obligated to pay the sums due under the Note or this Security [nstrument; and (e) agrees that Lender and any other Borrower can agree to extend, modify, forbear, or make any accommodations with regard to the terms of the Note or this Security Instrument without such Borrower’s consent and without affecting such Borrower's obligations under this Security Instrument. Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes Borrower’s obligations under this Security instrument in writing, and is approved by Lender, will obtain all of Borrower’s rights, obligations, and benefits under this Security Instrument. Borrower will ict be released from Borrower’s obligations and liability under this Security Instrument unless Lender agrees 10 such release in writing. 15. Loan Charges. (a) Tax and Flood Determination Fees. Lender may require Borrower to pay (i) a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, and (i) either (A) a one-time charge for flood zone determination, certification, and tracking services, or {B) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur that reasonably might affect such determination or certification. Borrower will also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency, or any successor agency, at any time during the Loan term, in connection with any flood zone determinations. OREGON — Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS} Form 3038 07/2021 ICE Mortgage Technology, Inc. Page8of12 - -~ ORZ1EDEED 0322 it s e e ] LOAN #: 14425023378 (b} Default Charges. If permitted under Applicable Law, Lender may charge Borrower fees for services performed in connection with Borrower's Default to protect Lender's interest in the Property and rights under this Security Instrument, including: (i} reasonable attorneys’ fees and costs: {ii) property inspection, vaiuation, mediation, and foss mitigation fees; and (il) other related fees. {c) Permissibility of Fees. In regard to any ciher fees, ihe absence of express authority in this Security Instrument to charge a specific fee to Borrower should not be consirtied as a prohibition on the charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. {d} Savings Clause. If Applicable Law sets maximum loan charges, and that law is finally interpreted so that the interast or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then (i) any such loan charge will be reduced by the amouni necessary to reduce the charge to the permitted limit, and (i) any sums already collected from Borrower which exceeded permifted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge (whether or not a prepayment charge is provided for under the Note). To the extent permitted by Applicable lLaw, Borrower's acceptance of any such refund made by direct payment io Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 16. Notices; Borrower’s Physical Address. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. {a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower in con- nection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first class mall, or {ii) actually delivered to Borrower's Notice Address (as defined in Section 16(c) below) if sent by means other than first class mail or Electronic Communication (as defined in Section 16{b) beiow). Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. |f any notice to Borrower required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security instrument. (b} Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law, Lender may provide notice to Borrower by e-mail or other electronic communication {“Electronic Communication™ if: (i) agreed to by Lender and Borrower in writing; (ii) Borrower has provided Lender with Borrower's e-mail or other electronic address (“Elsctronic Address”); (iii} Lender provides Borrower with the option to receive notices by first class mail or by other non-Electronic Comrmunication instead of by Electronic Communication; and (iv) Lender otherwise complies with Applicabie Law. Any notice to Borrower sent by Electronic Communication in connection with this Security instrument wili be deemed to have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. if Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will resend such communication to Borrower by first class mail or by other non-Electrenic Communication. Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by providing written notice to Lender of Borrower’s withdrawal of such agreement. {c) Borrower’s Notice Address. The address to which Lender will send Borrower notice (“Notice Address”) will be the Property Address unless Borrower has designated a different address by written notice o Lender. If Lender and Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an Electronic Address as Notice Address. Borrower will promptly notify Lender of Borrower’s change of Notice Address, including any changes to Borrower’s Electronic Address if designated as Notice Address. If Lender specifies a precedure for reporting Barrower’s change of Notice Address, then Borrower will report a change of Notice Address only through that specified procedure. (d} Notices to Lender. Any notice fo Lender will be given by delivering it or by mailing it by first class mail to Lender’s address stated in this Security Instrument unless Lender has designated another address (inciuding an Electronic Address) by notice to Borrower. Any notice in connection with this Security Instrument will be deemed 1o have been given to L.ender only when actually received by Lender at Lender’s designated address {which may include an Electronic Address). If any notice to Lender required by this Security Instrumerit is also required under Applicable Law, the Applicable Law require- ment wili satisfy the corresponding requirement under this Security Instrument. (e) Borrower’s Physical Address. In addition to ihe designaied Notice Address, Borrower will provide Lender with the address where Borrower physically resides, if different from the Property Address, and notify Lender whenever this address changes. 17. Governing Law; Severability; Rules of Construction. This Security Instrument is governed by federal law and the law of the State of Oregon. All rights and obligations contained in this Security Instrument are subject to any require- ments and limitations of Applicable Law. if any provision of this Security instrument or the Note conflicts with Applicable Law (f) such conflict will not affect other provisions of this Security Instrurnent or the Note that can be given effect without the conflicting provision, and (ii} such conflicting provision, to the extent possible, will be considered modified ta comply with Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence should not be construed as a prohibition against agreement by contract. Any action required under this Security Instrument to be made in accordance with Applicable Law is to be made in accordance with the Applicable Law in effect at the time the action is undertaken. As used in this Security Instrumnent: (a) words in the singular will mean and inciude the plural and vice versa; (b} the word “may” gives sole discretion without any obligation to take any action; (¢} any reference to “Section’” in this document refers o Sections contained in this Security Instrument unless otherwise noted; and (d) the headings and captions are inserted for convenience of reference and do not define, limit, or describe the scope ar intent of this Security Instrument or any particular Section, paragraph, or provision. 18. Borrower’s Copy. One Borrower will be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Section 19 only, “Interest in the Property” means any legal or beneficial interest in the Property, including, but not limited 1o, those beneficiai interests OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT {(MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 9 of 12 o ORZ1EDEED 0322 [ ?i’?i‘f?&?f?‘?if????f&i?%?éf??.ll i LOAN #: 14425023378 transferred in a bond for deed, contract for deed, instaliment sales contract, or escrow agreement, the intent of which is the transfer of title by Borrower to a purchaser at & future date, If all or any part of the Property ar any inierest in the Propsrty is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is soid or iransferred) without Lender’s prior written consent, Lender may require immediate payment in full of all sums secured by this Security instrument. However, Lender will not exercise this option if such exercise is prohibited by Applicable Law. if Lender exercises this option, Lender will give Borrower notice of acceleration. The notice wili provide a period of not less than 30 days from the date the notice is given in accordance with Section 16 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to, or upon, the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower and will be entitled to collect all expenses incurred in pursuing such remedies, including, but not limited to: (a) reasonable attorneys’ fees and costs; (b) property inspection and valuation fees; and (c¢) other fees incurred to protect Lender’s Interest in the Property and/or rights under this Sscurity instrument. 20. Borrower’s Right to Reinstate the Loan after Acceleration. If Borrower meets certain conditions, Borrower will have the right to reinstate the Loan and have enforcement of this Security Instrument discontinued at any time up to the later of (a) five days before any foreclosure sale of the Property, or (b) such other period as Applicable Law might specify for the termination of Borrower’s right to reinstate. This right fo reinstate will not apply in the case of acceleration under Section 19. To reinstate the Loan, Borrower must satisfy all of the foliowing conditions: {aa) pay Lender all sums that then wouid be due under this Security Instrument and the Note as if no acceleration had occurred; {bb) cure any Default of any other covenants or agreements under this Security Instrument or the Note; {c¢) pay all expenses incurred in enfarcing this Security Instrument or the Note, including, but not imited to: (i) reasonable attorneys’ fees and costs; {ii) property inspection and valuation fees; and (iii) other fees incurred to protect Lender’s interest in the Property and/or rights under this Security Instrument or the Note; and (dd) take such action as Lender may reasonably require o assure that Lender’s interest in the Property and/or rights under this Security Instrument or the Note, and Borrower’s obligation to pay the sums secured by this Security Instrument or the Note, will continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (aaa) cash; {bbb) money order; (ccc) certified check, bank check, treasurer’s check, or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instru- mentality, or entity; or {(ddd)} Electronic Fund Transfer. Upon Borrower’s reinstatement of the Loan, this Security Instrument and obligations secured by this Security Instrument will remain fully effective as if no acceleration had occurred. 21. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument, may be sold or otherwise transferred one or more times. Upon such a sale or other transfer, ali of Lender’s rights and obligations under this Security Instrument will convey fo Lender’s successors and assigns. 22. Loan Servicer. L.ender may take any action permitted under this Security instrument through the Loan Servicer or another authorized representative, such as a sub-servicer. Berrower understands that the Loan Servicer or other authorized representative of Lender has the right and authority to take any such action. The Loan Servicer may change one or more times during the term of the Note. The Loan Servicer may or may not be the holder of the Note. The Loan Servicer has the right and authority to: (a) collect Periodic Payments and any other amounts due under the Note and this Security Instrument; (b) perform any other mortgage loan servicing obligations; and (c) exercise any rights under the Note, this Security instrument, and Applicable Law on behalf of Lender. 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 RESPA requires in connection with a natice of transfer of servicing. 23. Notice of Grievance. Until Borrower or Lender has noftified the other party (in accordance with Section 16) of an alleged breach and afforded the other party a reasonabile period after the giving of such notice to take corrective action, neither Borrower nor Lender may commence, join, or be joined 1o any judicial action (either as an individual litigant or a member of a class) that (a) arises from the other party’s actions pursuant to this Security instrument or the Note, or (b) alleges that the other party has breached any provision of this Security Instrument or the Note. If Applicable Law provides a time period that must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this Section 23. The notice of Default given to Borrower pursuant to Section 26(a) and the notice of acceleration given to Borrower pursuant to Section 19 will be deemed to satisfy the notice and cpportunity to take corrective action provisions of this Section 23. 24. Hazardous Substances. (a) Definitions. As used in this Section 24: (i} “Eavironmental Law” means any Applicable Laws where the Property is located that relate to heaith, safety, or environmental protection; (i) “Hazardous Substances” include (A) those sub- stances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, corrosive materials or agents, and radioactive materials; (iii} “Environmental Cleanup” includes any response action, remedial action, or removal action, as defined in Environ- mental Law; and (iv) an “Environmental Condition” means a condition that can cause, contribute to, or otherwise trigger an Environmenta! Cleanup. (b} Restrictions on Use of Hazardous Substances. Borrower will not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances, or threaten to release any Hazardous Substances, an or in the Property. Borrower will not do, nor aliow anyone else to do, anything affecting the Property that: (i) violates Environmental Law: (if) creates an Environmental Condition; or (i) due to the presence, use, or release of a Hazardous Substance. creates a condition that adversely affects or could adversely affect the value of the Property. The preceding two sentences will not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally OREGON - Single Family — Fannie Mae/Freddie Mae UNIFORNM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technalogy, Inc. Page 10 of 12 - OR21EDEED 0322 N I Il LOAN #: 14425023378 recognized to be appropriate to normal residentiai uses and to maintenance of the Property (including, but not limited to, hazardous subsiances in consumer products). {c} Notices; Remedial Acticns. Borrower wiil promptly give Lender written notice of: (i) any investigation, claim, demand, lawsuit, or other action by any governmenta! or reguiatery agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrowar has aciual knowledge; (i} any Environmental Condition, including but not limited to, any spilling, leakirg, discharge, release, or threat of release of any Hazardous Substance; and (i) any condition caused by the presence, use, or release of a Hazardous Substance that adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority or any private party, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower will promptly take all necessary remedial actions in accordance with Environmental Law. Nothing in this Security Instrument will create any obligation on Lender for an Environmenta! Cleanup. 25. Eiectronic Note Signed with Borrower’s Electronic Signature. [f the Note evidencing the debt for this Loan is electronic, Borrower acknowledges and represents {o Lender that Borrower: (a) expressly consented and intended to sign the electronic Note using an Electronic Signature adopted by Borrower (“Borrower’s Electronic Signature”) instead of signing a paper Note with Borrower’s written pen and ink signature; (b) did not withdraw Borrower's express consent 10 sign the electronic Note using Borrower’s Electronic Signature; (c) understood that by signing the electronic Note using Borrower's Electronic Signature, Borrower promised 1o pay the debt avidenced by the electronic Note in accordance with its terms; and (d) signed the electronic Note with Borrower’s Electronic Signature with the intent and understanding that by doing so, Borrower promised to pay the debt evidenced by the electronic Note in accordance with its terms. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 26. Acceleration; Remedies. (a) Notice of Default. Lender will give a nctice of Default to Borrower prior {o acceleration following Borrower's Default, except that such notice of Default will not be sent when Lender exercises its right under Section 19 unless Appli- cable Law provides otherwise. The notice will specify, in addition to any other information required by Applicable Law: {i) the Default; (if} the action reguired to cure the Default; {iii) a date, not less than 30 days (or as otherwise specified by Applicable Law) from the date the notice is given to Borrower, by which the Default must be cured; (iv) 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; {v) Borrower's right to reinstate after acceleration; and (vi) Borrower’s right to bring a court action to deny the existence of a Default or to assert any other defense of Borrower to acceleration and sale. (b) Acceleration; Power of Sale; Expenses. If the Default is not cured on or before the date specified in the notice, Lender may require immediate payment in full of ali sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitied by Applicable Law. L.ender will be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 26, including, but not limited to: (i) reasonable attorneys’ fees and/or trusiees’ fees and costs and other fees and costs assaciated with the enforcement of this Security Instrument, including but not limited fo, foreclosure trustee’s and sheriff's fees and costs, and title costs; (i) property inspection and valuation fees; and (jii) octher fees incurred unless prohibited by Appiicable Law for the purpose of protect- ing Lender's interest in the Property and/or rights under this Security Instrument. {c) Notice of Sale; Sale of Property. If Lender invokes the power of sale, Lender will execute or cause Trustee to execute a written notice of the occurrence of an event of Default and of Lender's election to cause the Property to be sold and will cause such natice to be recorded in each county in which any part of the Property is located. Lender or Trustee will give notice of sale in the manner prescribed by Applicable Law to Berrower and to other required recipients. At 2 time permitted by, and in accordance with, Applicable Law, Trustee, without further demand on Borrowar, 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. Lender or its designee may purchase the Property at any sale. {d) Trustee’s Deed; Proceeds of Sale. Trustee will deliver to the purchaser a Trustee’s deed conveying the Property without any covenant or warranty, expressed or implied. The recitals in the Trustee’s deed will be prima facie evidence of the truth of the statements made in that deed. Trustee will apply the proceeds of the sale in the following order, or as otherwise required by Applicable Law: (i} to all expenses of the sale, including, but not limited to, reasonable Trusteg’s and reasonable attorneys’ fees and costs; (i) tc all sums secured by this Security Instrument; and (i) any excess to the person or persons legally entitled to it. 27. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender will request Trustee to reconvey the Property and will surrender this Security Instrument and all Notes evidencing the debt secured by this Security Instrument to Trustee. Upon such request. Trustee will reconvey the Property without warranty to the person or persons legally entitled to it. Such person or persons will pay any recardation costs associated with such reconveyance. Lender 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 the Trustee) for services rendered and the charging of the fee is permitted under Applicable Law. 28. Substitute Trustee. Lender may, from time to time, by itself or through the Loan Servicer, or any other duly appointed agent or nominee of Lender, remove Trustee and appoint a successor trusiee to any Trustee appointed under this Security Instrument. Without conveyance of the Property, the successor trustee will succeed fo all the title, power, and duties conferred upon Trustee in this Security Instrument and by Applicable Law. 29. Attorneys’ and Others’ Fees. Lender will be entitled to recover its reasonable attorneys’ and/or foreclosure trustees’ fees and costs in any action or proceeding to construe or enforce any term of this Security instrument unless prohibited or restricted by Applicable Law. The term “attorneys’ fees” whenever used in this Security Instrument, includes without limitation attorneys’ fees incurred by Lender in any bankruptey or appellate proceeding. ‘ OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORNM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 11 of 12 - ORZ1EDEED 0322 e s g e U - LOAN #: 14425023378 30. Protective Advances. This Security Instrumernt securss any advances Lender, at its discretion, may make under Section @ fo protect Lender’s interast in the Property and righls under this Security Instrument. 31. Required Evidence of Property Insurance. WARNING Uniess Borrower provides Lender with evidence of the insurance coverage as required by this contract or loan agreement, Lender may purchase insurarce at Borrower’'s expense to protect Lender’s interest. This insurance may, but need not, alsc protect Borrower’s interest. if the collateral becomes damaged, the coverage Lender purchases may not pay any claim Borrower makes or any claim made against Borrower. Borrower may later cancel this coverage by providing evidence that Borrower has obtained property coverage elsewhere. Borrower is responsible jor the cost of any insurance purchased by Lender. The cost of this insurance may be added to this contraci or Borrower’s loan balance. if the cost is added to this contract or Borrower’s loan balance, the interest rate on the underlying coniract or loan will apply to this added amount. The effective date of coverage may be the date Borrower’s prior coverage lapsed or the date Borrower failed to provide proof of coverage. The coverage Lender purchases may be considerably more expensive than insurance Borrower can obtain on their own and may not satisfy any need for property damage coverage or any mandatory liabitity insurance requirements imposed by Applicable Law. BY SIGNING BELOW, Borrower accepts and agrees 1o the terms and covenants contained in this Security Instrument and in any Rider signed by Borrower and recorded with it. T~ G- (Seal) SHEILA E MCKELVIE DATE State of f ) CSom County of \““’«?;( Ly i b \. This record was acknowledged before me on 7 / AQc o <292 C. (date) by SHEILAE MCKELVIE. [ =N OFFICIAL STAMP /\A% [ ) 3 £/ MARLA MICHELE HANLON-ABE(TA P /) NOTARY PUBLIC-OREGON Nota Pubiic,(COMMISSION NO. 1034452 State/ of Ve - < MY COMMISSION EXPIRES FEBRUARY 28, 2027 Lender: Mason McDuffie Morigage Corporation NMLS ID: 1141 Loan Originator: Dana QOrr NMLS [D: 259570 OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (M ERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Fage 12 of 12 ORZ1EDEED 0322 OREDEED (CLS) M vk R R R o LOAN #: 14425023378 MIN: 1004179-5000172738-8 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Rider) THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (“MERS Rider") is made this 9th day of March, 2026, and is incorporated into and amends and supplements ihe Deed of Trust or Mortgage 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 Mason McDuffie Mortgage Corporation, a Corporation (“Lender”) of the same date and covering the Property described in the Security Instru- ment, which is locaied at: 18305 Garden Avenue, Bly, OR 97622, In addition to the representations, warranties, 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: “L ender” is Mason McDuffie Mortgage Corporation. Lender is a Corporation organized and existing under the laws of California. Lender’s address is 12647 Alcosta Blvd, Suite #300, San Ramon, CA 94583. LLender is the beneficiary under this Security Instrument. The term “Lender” includes any successors and assigns of Lender. “MERS” is Mortgage Electronic Registration Systems, inc. MERS is a separate corporation that is the Nominee for Lender and is acting solely for Lender. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of PO. Box 2026, Fiint, Ml 48501-2028, tel. (888) 679-MERS. MERS 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 “MERS” includes any successors and assigns of MERS. This appointment will inure to and bind MERS, its successors and assigns, as well as Lender, until MERS’ 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. MERS RIDER - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3158 §7/2021% ICE Mortgage Technology, inc. Page 1 of 4 F3158v21RDU 0622 F3158RLU (CLS) 0 B A LOAN #: 14425023378 B. TRANSFER OF RIGHTS INTHE PROPERTY The TRANSFER OF RIGHTS iN THE PROPERTY section of the Security Instru- ment is amended {o read as foilows: This Security Instrument secures to Lender (i) the repayment of the Loan, and all renewals, exterisions, and modifications of the Note, and (i) 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: See legal description attached hereto and made a part hereof APN #: 366231 which currently has the address of 19305 Garden Avenue, Bly, [Street] [City] OR 97622 (“Property Address™), [State] [Zip Code] TOGETHER WITH all the improvements now or subseguently erected on the property, including replacements and additions to the improvements on such prop- erty, all property rights, including, without limitation, all easements, appurtenances, royalties, mineral rights, oil or gas rights or profits, water rights, and fixtures now or subsequently a part of the property. All of the foregoing is referred to in this Security Instrument as the “Property.” Lender, as the beneficiary under this Security instrument, designates MERS as the Nominee for Lender. Any nofice reguired by Applicable Law or this Security Instru- menit to be served on Lender must be served on MERS as the designated Nominee for Lender. Borrower understands and agrees that MERS, as the designated Nomi- nee 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 inciuding, but not limited to, assign- ing and reieasing this Security Instrument, and substituting a successor trustee. C. NOTICES; BORROWER’S PHYSICAL ADDRESS Section 16 of the Security Instrument is amended to read as follows: 16. Notices; Borrower’s Physical Address. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. (a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower in connection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first class mail, or MERS RIDER - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technology, inc. Page 2 of 4 E3158v21RDU 0622 F3158RLU (CLS} B R R LOAN #: 14425023378 (i) actually delivered to Borrower's Notice Address (as defined in Section 16(c) below) if sent by means other than first class mail or Electronic Communication (as defined in Section 16(k) below). Notice 1o any one Borrower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. If any notice to Borrower required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. {(b) Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law, Lender may provide notice to Borrower by e-mail or other elec- tronic communication (“Electronic Cormnmunication”) if: (i) agreed to by Lender and Borrower in writing; (i) Borrower has provided Lender with Borrower’s e-mail or other electronic address (“Electronic Address”); (iii) Lender provides Borrower with the option to receive notices by first class mail or by other non-Electronic Communication instead of by Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any notice to Borrower sent by Electronic Communication in con- nection with this Security Instrument will be deemed to have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. If L.ender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will resend such communication to Borrower by first class mail or by other non-Electronic Communication. Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by providing written notice to Lender of Borrower's withdrawal of such agreement. (c) Borrower's Notice Address. The address to which Lender will send Bor- rower notice (“Notice Address”) will be the Property Address unless Borrower has designated a different address by written notice to Lender. If Lender and Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an Electronic Address as Notice Address. Borrower will promptly nofify Lender of Borrower’s change of Notice Address, including any changes to Borrower’s Electronic Address if designated as Notice Address. if Lender specifies a procedure for reporting Borrower's change of Notice Address, then Borrower will report a change of Notice Address only through that specified procedure. (d) Notices to Lender. Any notice to Lender wili be given by delivering it or by mail- ing it by first class mail to Lender’s address stated in this Security Instrument unless Lender has designated another address (including an Electronic Address) by notice to Borrower. Any notice in connection with this Security Instrument will be deemed to have been given to Lender only when actually received by Lender at Lender’s designated address (which may include an Electronic Address). If any notice to Lender required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. Borrower acknowledges that any notice Borrower provides to Lender must also be pravided to MERS as Nominee for Lender until MERS’ Nominee interest is termi- nated. Any notice provided by Borrower in connection with this Security Instrument will be deemed to have been given to MERS only when actually received by MERS. (e) Borrower’s Physical Address. In addition to the designated Notice Address, Borrower will provide Lender with the address where Borrower physically resides, if different from the Property Address, and notify Lender whenever this address changes. . SALE OF NOTE Section 21 of the Security Instrument is amended to read as follows: 21. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument, may be sold or otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender’s rights and obligations under this Security MERS RIDER - Single Family - Fannie Mae/Freddie Mac UNIFOSM INSTRUMENT Form 3158 (7/2021 ICE Mortgage Technology, inc. Page 3I0of4 F3158v21RDU 0822 F3158RLU (CLS) Lty it o 1 1T LOAN #: 14425023378 Instrument will convey to Lender’s successors and assigns. Lender acknowledges that until it directs MERS to assign MERS’s Nominee inferest in this Security Instru- ment, MERS remains the Nominee for Lender, with the authority to exercise the rights of Lender. E. SUBSTITUTE TRUSTEE _ Section 28 of the Security Instrumeni is amended to read as follows: 28.Substitute Trustee. In accordance with Applicable Law, Lender or MERS may from time to time appoint a successor trustee to any Trustee appointed here- under who has ceased to act. Without conveyance of the Property, the successor trustee will succeed to all the title, power, and duties conferred upon Trustee and by Applicable Law. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this MERS Rider. SHEILA E MCKELVIE DATE MERS RIDER - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ’ ICE Mortgage Technology, Inc. Page 4 of 4 F3158v21RDU 0822 F3158RLU (CLS) Bl D A A S e R EXHIBIT A LEGAL DESCRIPTION: Real property in the County of Klamath, State of Oregon, described as fallows: Lots 24, 25, 26 and 27, Block 4, NORTH BLY, in the County of Klamath, State of Oregon. Together with that portion of Marvin Street vacated by order to vacate, recorded March 13, 1973 in Book M-73 at Page 2664, which inures to above described property. A.P.N.: 366231