ANErle When recorded, return to: 2026'003086 glut American Mortgage Solutions CIO Klamath County, Oregon rossCountry Mortgage, LLC .09- 1795 international Way 04/08/2026 02:09:02 PM Miall Stop: 142-C Fee: $187.00 Idaho Falls, 1D 83402 LOAN #: 1034000694031 : [Bpace Above This Line For Recording Data] DEED OF TRUST [MIN 1007191-0004147962.5 | MERS PHONE #: 1-888-679-6377 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined under the caption TRANSFER OF RIGHTS IN THE PROPEHRTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25. Certain rules regarding the usage of words used in this document are also provided in Section 17, Parties (A} “Borrower” is ATLAS ESTATES LLC, A LIMITED LIABILITY COMPANY currently residing at 86326 73rd St, Bend, OR 97703. Borrower is the grantor under this Security Instrument. {B) “Lender” is CrossCountry Mortgage, LLC. Lender is a Limited Liability Company, organized and existing under the laws of Delaware. Lender’s address is 2160 Superior Avenue, Cleveland, OH 44114, Lender is the beneficiary under this Security Instrument. The term “Lender” includes any successors and assigns of Lender. (C) “Trustee” is AmeriTitle, LLC. Trustee’s address is 404 Main 8t Ste 1, Klamath Falls, OR 97601. The term "Trustee” includes any substitute/successor Trustee. (D) "MERS” is the Morigage 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 which is incorporated into and amends and supplements this Security Instrument. OREGON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (WERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 1 of 12 OR21EDEED 0322 - - OREDEED (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000684031 Documents (E} “Note” means the promissory note dated April 7, 2026, and signed by each Borrower who is legally obligated for the debt under that promissory note, thal is in either {) paper form, using Borrower’s written pen and ink signature, or (i) electronic form, using Borrower’s adopted Electronic Signature in accordance with the UETA or E-SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender TWQHUNDREDFORTYFOURTHoUSANDANDN°I1W?tsxatattt*xtkttt*ct**a?***”*?*«?n*a*x !x?%ws!t%l*tkt??tntti!?*?*k*l*tttt***it*?*t DO{I&!’S (U.S. 5244’000-00 )plus'?terest.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 May 1, 2056. (F} “Riders” means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed o be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable]: [J Adjustable Rate Rider [ Condominium Rider L_ Second Home Rider [¥] 1-4 Family Rider [ Planned Unit Development Rider I VLA, Rider [¥] Other(s) [specify] 1%} MERS Rider Declining Prepayment Rider (G) “Security Instrument” means this document, which is dated April 7, 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 opinions. () “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) “Default” 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 agreement in this Security Instrument; (iii} 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 proceeding 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 so 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 teller machine transactions, transfers initiated by telephone or other electronic device capable of communicating with such financial institution, wire transfers, and automated clearinghouse fransfers. (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 (15U.8.C.§ 7001 et seq.}, as it may be amended from time to time, or any applicable additional or successor legislation that governs the same subject matter, {N) “Escrow ltems” means: (i) taxes and assessments and other items that can attain priority over this Security Instrument as a lien or encumbrance on the Property; (i) 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 Borrower to Lender in lieu 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, costs, expenses, and late charges due under the Note, and all 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; (iii} conveyance in lieu of condemna- tion; or (iv) misrepresentations of, or omissions as 1o, 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 Note, which is less than a full outstanding Periodic Payment. (1) “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 described 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 regu- lation, Regulation X (12 C.F.R. Part 1024}, as they may be amended from time to time, or any additional or successor OREGON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, inc. Page 2 of 12 OR21EDEED 0322 . . OREDEED (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000684031 federal legislation or regulation that governs the same subject matter. When used in this Security Instrument, “RESPA" refers 1o all requirements and restrictions that would apply to & “federally related morigage loan” even if the Loan does not qualify as a “federally related mortgage loan" under RESPA. {X) “Successor in Interest of Borrower” moans any party that has taken fitle to the Property, whether or not that party has assumed Borrower’s obligations under the Note and/or this Security Instrument. {¥) “UETA” means the Uniform Electronic Transactions Act, as enacted by the jurisdiction in which the Property is located, as it may be amended from time to time, or any applicable additional or successor legisiation that governs the same subject matter. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures fo Lender (I} the repayment of the Loan, and all renewals, exiensions, and modifica- tlons of the Note, and (ji) 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 Kiamath: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A" APN #: 416188 which currently has the address of 449 Adams St, Klamath Falls (Street] [City] Oregon 97601 ("Property Address”); [Zip Code] TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions to the improvements on such property, all 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 lawfully owns and possesses the Property conveyed in this Security Instrument in fee simple or lawtully has the right to use and occupy the Property under a leasehold estate; (ji) Borrower has the right to grant and convey the Property or Borrower's lease- hold interest in the Property; and (iii) the Property Is unencumbered, 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 Property and covenants and agrees to defend the title 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 Oregon state requirements 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 mors 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 (9) 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 to 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 - Single Famlly - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 3 of 12 OR21EDEED 0322 . veen OREDEED (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000884031 2. Acceptance and Application of Payments or Proceeds. (a) Acceptance and Application of Partial Payments. Lender may accept and either apply or hold 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 fo apply any Partial Payments at the time such payments are accepted, 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 Periodic Payment, at which time the amount of the full Periodic Payment will be applied 1o 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 Periodic Payment, as follows: first to interest and then to principal due under the Note, and finally to Escrow Items. If all outstanding Periodic Payments then due are paid in full, any pay- ment amounts remaining may be applied to late charges and to any amounts then due under this Security Instrument, lf all sums then due under the Note and this Security Instrument are paid in full, any remaining payment amount may be applied, in Lender's sole discretion, to a future Periodic Payment or to reduce the principal balance of the Note. If Lender receives a payment from Borrower In the amount of one or more Periodic Payments and the amount of any late charge due for a delinguent Periodic Payment, the payment may be applied to the delinquent payment and the late charge, When applying payments, Lender will apply such payments in accordance with Applicable Law. (¢} Veluntary Prepayments. Voluntary prepayments will be applied as described in the Note. (d) No Change to Payment Schedule, Any application of payments, insurance proceeds, or Miscellaneous 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 Hems. (a) Escrow Requirement; Escrow ltems. Borrower 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 to provide for payment of amounts due for all Escrow ems (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 Items unless Lender waives this obligation in writing. Lender may waive this obligation for any Escrow Item at any time. In the event of such waiver, Bor- rower must pay directly, when and where payable, the amounts due for any Escrow ltems 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 preof of direct payment of those items within such time period as Lender may require. Borrower's obligation to make such timely payments and {o 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 Items directly pursuant to a waiver, and Borrower fails to pay timely the amount due for an Escrow ltem, Lender may exerciss its rights under Section 8 to pay such amount and Borrower will be obligated fo repay to Lender any such amount in accordance with Section 9. Lender may withdraw the waiver as to any or all Escrow ltems at any time by giving a notice in accordance with Section 16; upon such withdrawal, Borrower must pay to Lender alf Funds for such Escrow ltems, and in such amounts, that are then required under this Section 3. (c} Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in an amount up to, but not in excess of, the maximurn 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 no later than the time specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (if) annually analyzing the escrow account; or (iif) 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 RESPA, (d) Surplus; Shortage and Deficlency of Funds. In accordance with RESPA, if there is a surplus of Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower's Periodic Payment is delinquent 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 will notify Borrower and Borrower will pay to Lender the amount necessary to make up the shortage or deficlency 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 attributable to the Property which have priority or may attain priority over this Security Instrument, (b) leasehold payments or ground rents on the Proparty, if any, and (c) Community Association Dues, Fees, and Assessments, if any. If any of these items are Escrow ltems, Borrower will pay them in the manner provided in Section 3. Borrower must promptly discharge any lien that has priority or may attain priority aver this Security Instrument unless Borrower: (aa) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing under such agreement; {bb) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which Lender determines, in its sole discretion, operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded: or OREGON - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, inc. Page 4 of 12 OR21EDEED 0322 . . OREDEED (CLS) 0470712026 11.68 AM PST LOAN #: 1034000694031 {cc) secures from the holder of the lien an agreement satisfactory to Lender that subordinates the lien to this Sscurity Instrument (collectively, 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 Security Instrument and Borrower has not taken any of the Required Actions in regard to such lien, Lender may give Borrower a notice identifying 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. §. Property insurance. (a) Insurance Requirement; Coverages. Borrowsr 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 limited to, earthquakes, winds, and floods, for which Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts {including deductible levels) and for the periods that Lendsr requires. What Lender requires pursuant o 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 to disapprove Borrower's choice, which right will not be exercised unreasonably. (b) Failure to Maintaln Insurance. If Lender has a reasonable basis to befieve 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 to 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 Borrower, Barrower's equity in the Property, or the contents of the Property, against any risk, hazard, or liability and might provide greater or lesser coverage than was previously in effect, but not exceeding the coverage required under Section 5(a}. Borrower acknowledges that the cost of the insurance coverage so obtained may significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender for costs assoclated with reinstating Borrower’s insurance policy or with placing new insurance under this Section 5 will become additional debt of Borrower secured by this Security Instrument, These amourits 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, (¢) Insurance Policies. Allinsurance policies required by Lender and renewals of such policies: {i) will be subject to Lender’s right to disapprove such policies; (ii) must include a standard mortgage clause: and (iif) must name Lender as mortgagee and/or as an additional loss payee. Lender will have the right to hold the policies and renewal certificates. If Lender requires, Borrower will promptly give to Lender proof of paid premiums and renewal notices. If 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 mortgage clause and must name Lender as mortgagee 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 Borrower. 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 fo 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 1o begin the repair or restoration, subject to any restrictions applicable to 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 satistaction {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 persan repairing or restoring the Property, or payable jointly to both. Lender will not be required to 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 will 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 restoration 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 matiers. If Borrower does not respond within 30 days to a notice from Lender thal the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim. The 30-day period will begin when the nofice is given. In either event, or if Lender acquires the Property under Section 26 or otherwise, Borrower is unconditionally 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 (il) 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 setties aclaim, 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 occupy, establish, and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and must continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent will not be unreasonably withheld, or unless extenuating circumstances exist that are beyond Borrower’s control, OREGON - Single Famlly — Fannle Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 5 of 12 ORZ1EDEED 0322 OREDEED (CLS) 04/07/2028 11:58 AM PST LOAN #: 1034000684031 7. Preservation, Maintenance, and Protection of the Property; Inspections. Borrower will not destroy, dam- age, or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Whether or not Borrower is residing in the Property, Borrower must maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless Lender determines pursuant to Section 5 that repair or restoration is not economically feasible, Borrower will promptly repair the Property if damaged to avoid further deterioration ar damage. Ifinsurance or condemnation proceeds are paid to Lender in connection with damage to, or the taking of, the Property, Borrower 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 payments 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 payable jointly o both, If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower remains obligated to complete such repair or restoration. Lender may make reasonable 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 if, during the Loan application process, Borrower or any persons or entities acting at Borrower’s direction or with Borrower's knowladge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan, including, but not limited to, overstating Borrower’s income or assets, understating or failing to provide documentation of Borrower’s debt obligations and liabilities, and misrepresenting Borrower's oceupancy or intended occupancy of the Property as Borrower's principal residence. 8. Protection of Lender's Interest in the Property and Rights Under this Security instrument. (a) Protection of Lender’s Interest, if: (i) Borrower fails to perform the covenants and agreements contained in this Security Instrument; (ii) there is a legal proceeding or government order that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument {such as a proceeding in bankruptey, probate, for condemnation or forfeiture, for enforcement of a lien that has priority or may attain priority over this Security Instrument, or to enforce laws or regulations); or (ill) Lender reasonably believes that Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to 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 limited to: (I) paying any sums secured by a lien that has priority or may attain priority over this Security Instrument; (Il) appearing in court; and (Ill} paying: (A) reasonable attorneys' 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 undsr 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, efiminating building or other code violations or dangerous conditions, and having utilities turned on or off, Although Lender may take action under this Section 9, Lender is not required to do so and is not under any duty or obligation to do so. Lender will not be liable for not taking any or all actions authorized under this Section 9. (b} Avoiding Foreclosure; Mitigating Losses. If Borrower is in Default, Lender may work with Borrower to 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 to evaluate Borrower for available alternatives to foreclosure, including, but not limited to, 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(c}, unless prohibited by Applicable Law. {c) Additional Amounts Secured. Any amounis 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 1o 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 cancel the ground lease. Borrower will not, without the express written 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. I the Property is leased to, used by, or cecupied by a third party {“Tenant”), Borrower is unconditionally assigning and transferring to Lender any Rents, regardiess of to whom the Rents are payable. Borrower authorizes Lender to collect the Rents, and agrees that each Tenant will pay the Rents to Lender. However, Borrower will receive the Rents until ()) Lender has given Borrower notice of Default pursuant to Section 28, and (ii) 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 Default. If Lender gives notice of Default to Borrower: (i) all Rents received by Borrower must be held by Borrower as trustee for the benefit of Lender only, to be applied fo the sums secured by the Security Instrument; (i) Lender will be entitled to collect and recsive all of the Rents; (jii) Borrower agrees to instruct each Tenant that Tenant is to pay all Rents due and unpaid to Lender upon Lender's written demand to the Tenant; {iv) Borrower will ensure that each Tenant pays all Rents due to Lender and will take whatever action is necessary to collect such Rents if not paid to Lender; (v) unless Applicable Law provides otherwise, all Rents collected 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, receiver’s fees, premiums on receiver’s bonds, repair and maintenance costs, insurance premiums, taxes, assessments, and other 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. Page 6 of 12 OR21EDEED (322 « . OREDEED (CLS} 04/07/2028 11:58 AM PST LOAN #: 1034000594031 (vi) Lender, or any judicially appointed receiver, will be liable to account for only those Rents actually received; and {vii) Lender will be entitled to have a receiver appointed fo take possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as to the inadeguacy of the Property as security. (¢} Funds Paid by Lender. !f the Rents are not sufficient to cover the costs of taking control of and managing the Property and of collecting the Rents, any funds paid by Lender for such purposes will become indebtedness of Borrower to Lender secured by this Security Instrument pursuant to Section 9. (d) Limitation on Collection of Rents. Borrower may not collect 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 make any further 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} Control and Maintenance of the Property. Unless required by Applicable Law, Lender, or a receiver appointed under Applicable Law, is not obligated to enter upon, take control of, or maintain the Property before or after giving notice of Default to Borrower. However, Lender, or a receiver appointed under Applicable Law, may do so at any time when Borrower is in Default, subject to Applicable Law. (g} Additional 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 required Mortgage Insurance as a condition of making the Loan, Borrower will pay the premiums required fo maintain the Mort- gage Insurance in effect. If Borrower was required to make separately designated payments toward the premiums for Morigage Insurance, and (i) the Morigage Insurance coverage required by Lender ceases for any reason fo be available from the mortgage insurer that previously provided such insurance, or (i) Lender determines in its sole discretion that such mortgage insurer is no longer eligible to provide the Mortgage Insurance coverage required by Lender, Borrower will pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at & cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previgusly in effect, from an alternate morigage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower will continue to pay to Lender the amount 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 Mortgage 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 loss 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 avallable, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make sepa- rately designated payments toward the premiums for Mortgage Insurance, Borrowsr will pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written 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 to pay interest at the Note rate. {b) Mortgage Insurance Agreements. Mortgage Insurance reimburses Lender for certain losses Lender may incur if Borrower does not 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 or modify their risk, or reduce losses. These agreements may require the mortgage insurer to make payments using any source of funds that the morigage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, another 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 losses. Any such agreements will not: (i) affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan; (ii) increase the amount Borrower will owe for Mortgage Insurance; (iii) entitle Borrower 1o any refund; or (iv) affect the rights Borrower has, if any, with respect to the Morigage Insurance under the Homeowners Protection Act of 1998 (12 U.S.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, to request and obtain canceflation of the Mortgage Insurance, 1o 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 cancellation or termination. 12. Assignment and Application of Miscellaneous Proceeds; Forfeiture. (a) Assignment of Miscellaneous Proceeds. Borrower is unconditionally assigning the right to receive all Miscel- laneous Proceeds to Lender and agress that such amounts will be paid to Lender. (b} Application of Miscellaneous Proceeds upon Damage to Property. If the 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 economically feasible and Lender’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 until Lender has had an opportunity to inspect the Property to ensure the work has been complated 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) OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 {CE Mortgage Technology, Inc. Page 7 of 12 ORZ21EDEED 0322 . e OREDEED (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000654031 provided that such inspection must be undertaken promptly. Lender 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 Borrower is in Default on the Loan. Lender may make such dishursements directly to Borrower, to the person repairing or restoring the Property, or payable jointly to both. Unless Lender and Borrower agree in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender will not be required to pay Borrower any interest or earnings on such Miscellaneous Proceeds. If Lender deems the restoration or repair not to be economically feasible or Lender's security would be lessened by such restoration or repair, the Miscellaneous 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 Miscellaneous Proceeds will be applied in the order that Partial Payments are applied in Section 2(b). {¢} Application of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss in Value of the Property. inthe event of a total taking, destruction, or loss in value of the Property, all of the Miscellaneous Proceeds will be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, pald to Borrower. Inthe event of a partial taking, destruction, or loss 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 applied to the sums secured by this Security Instrument unless Borrower and Lender otherwise agreein writing. The amount of the Miscellaneous 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 before the Partial Devaluation, and dividing it by (i) the fair market value of the Property immediately before the Partial Devaluation. Any balance of the Miscellaneous Proceeds will be paid to Borrower, Inthe event of a Partial Devaluation where 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 Miscelianeous Proceeds will be applied to the sums secured by this Security Instrument, whether or not the sums are then due, unless Borrower and Lender otherwise agree in writing. (d) Seftlement 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} abandaons the Property, or (ii) 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 to settle 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, # acceleration has occurred, reinstate as provided in Saction 20, by causing the action or proceeding to be dismissed with a ruling that, in Lender’s judgment, precludes 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 atiributable 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; Forbearance 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 Borrower, or to refuse to extend time for payment or otherwise modify 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 limitation, Lender's acceptance of payments from third persons, entities, or Successors in Interest of Borrower or in amounts less than the amount then due, will not be a waiver of, or preciude the exercise of, any right or remedy by Lender. 14. Joint and Several Liabllity; Signatories; Successors and Assigns Bound. Borrower’s obligations 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 available 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 Instrument; 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 not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to 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 {ii) 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 Lcan 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. Page 8 of 12 OR21EDEED 0322 . 5 OREDEED (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000684031 (b} Default Charges. If permitted under Applicable Law, Lender may charge Borrower fess 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; {if} property inspection, valuation, mediation, and loss mitigation fees; and (iil} other related fees. (¢} Permissibility of Fees. In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower should not be construed 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 interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then (iy any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit, and (i) any sums already collected from Borrower which exceeded permitted 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 Law, Borrower’s acceptance of any such refund made by direct payment to 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 fo Borrower in con- nection with this Security Instrument will be deemed to have been given to Borrower when {i) mailed by first class mail, 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) below). Notice to 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 Barrower. Unless another delivery method is required by Applicable Law, Lender may provide notice to Borrower by e-maif 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 {"Electronic Address”); (ili) 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 connection with this Securlty Instrument will 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-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 Borrower 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 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 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 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 ancther 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 require- ment will satisfy the corresponding requirement under this Security Instrument, (e) Borrower’s Physical Address. In addition to the designated Notice Address, Borrower will pravide Lender with the address where Borrower physically resides, if difierent 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 (i) such confiict will not affect other provisions of this Security Instrument or the Note that can be given effect without the conflicting provision, and (i} such conflicting provision, to the extent possible, will be considered modified to 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 Instrument: (a) words in the singular will mean and include the plural and vice versa; (b} the word “may” gives sole discretion without any obligation to take any action; (c) any reference 1o “Section” in this document refers to 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 or 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. 19. 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 to, thase beneficial interests OREGON ~ Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 9 of 12 OR21EDEED 0322 . - OREDEED (CLS) 04/0712026 11:58 AM PST LOAN #: 1034000694031 transterred In a bond for deed, contract for deed, instaliment sales contract, or escrow agreement, the intent of which is the transfer of title by Bomrower to & purchaser at a future date. It all or any part of the Property or any Interest in the Property is sold or transferred {or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) 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 will provide a period of not lase 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 permitied 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 Security 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 ta 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 Borower's right to reinstate. This right to reinstate will not apply In the case of acceleration under Seetion 19. To reinstate the Loan, Borrowar must satisfy all of the following conditions: (aa) pay Lendsr all sums that then would be due under this Security Instrument and the Note as if no acceleration had occurred; (bb} cure any Default of any other covenants or agreemants under this Security Instrument or the Note; (cc) pay all expenses incurred in enforcing this Security Instrument or the Note, including, but not limited to: (I} reasonable attorneys’ fees and costs; (i) 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 Lendar may reasonably require to assure that Lender's interost 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 Bormower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lendsr: (aaa) eash; (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 effactive 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 iransferred one or mote times. Upon such a sale or other transfer, all of Lender’s rights and obligations under this Security Instrument will convey to Lender's successors and assigns. 22. Loan Servicer. Lender may take any action permitted under this Security instrument through the Loan Servicer or another authorized representative, such as a sub-servicer. Borrower 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: (8) collect Pariodic Payments and any other amounts due under the Note and this Securlty Instrument; {b) perform any other mortgage loan servicing obligations; and (c) exercise any rights under the Note, this Security Instrument, and Applicable Law on behaif of Lender. If there is a change of the Loan Servicer, Borrower wili 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 notice of transfer of servicing. 23. Notice of Grievance. Until Borrower or Lender has nofified the other party (in accordance with Section 16) of an alleged breach and afforded the other parly a reasonabie period after the giving of such notice to take comective action, neither Borrower nor Lender may commence, join, or be joined to any judiclal action (either as an Individual litigant or a member of a class) that (a) arises from the other party’s actions pursuant fo this Security Instrument or the Note, or (b} alieges that the other parly 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 nofice of Default given to Barrower pursuant to Section 26(a) and the notice of acceleration given to Borrower pursuant to Section 19 will be deemed to satisty the notice and opportunity to take corrective action provisions of this Section 23. 24. Hazardous Substances. (a) Definitions. As used in this Section 24: (i) “Environmental Law” means any Applicable Laws where the Property is located that relate 1o health, safety, or environmental protection; (ii) “Hazardous Substances” includs (A) those sub- stances defined as foxic or hazardous substances, poliutants, 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; (i} “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 Environmental 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, on or in the Property. Borrower will not do, nor allow enyone else to do, anything affecting the Property that: (i) viclates Environmental Law: (i) creates an Environmental Condition; or (jil} 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 - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 10 of 12 O?g:i%ii% (g?f) . R 04/07/2026 11:58 AM PST LOAN #: 1034000694031 recognized to be appropriate to normal residential uses and to maintenance of the Property {including, but not limited to, hazardous substances in consumer products). {€) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (i) any investigation, claim, demand, lawsuit, or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledgs, (i) any Environmental Condition, including but not limited to, any spifling, leaking, discharge, release, or threat of release of any Hazardous Substance; and {iiiy 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 affacting 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 Environmental Cleanup. 25. Electronic Note Signed with Borrower’s Electronic Signature. If the Note evidencing the debt for this Loan is electronic, Borrower acknowledges and represents to 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 to sign the elsctronic Note using Borrower's Electronic Signature; (¢) understood that by signing the electronic Note using Borrower's Electronic Signature, Borrower promised to pay the debt evidenced 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 fo pay the debt evidenced by the electronic Note In accordance with its terms. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agres as follows: 26. Acceleration; Remedies. (a) Notice of Default. Lender will give a notice of Default to Borrower prior to 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; (ii) the action required 1o cure the Default; (i} 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 all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law, Lender will be entitied to collect all expenses incurred in pursuing the remedies provided in this Section 286, including, but not limited to: (i) reasonable attorneys' fees and/or trustees’ fees and costs and other fees and costs associated with the enforcement of this Security Instrument, including but not limited to, foreclosure trustee’s and sheriff's fees and costs, and title costs; {ii} property inspection and valuation fees; and (iii) other fees incurred unless prohibited by Applicable Law for the purpose of protect- ing Lender's interest in the Property and/or rights under this Security Instrument. (¢} Notice of Sale; Sale of Property. If Lender invokes the power of sale, Lender will execute or cause Trusiee to execute a written notice of the occurrence of an event of Default and of Lender’s election to cause the Property to be soid and will cause such notice 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 Borrower and to other required recipients. At a time permitied by, and in accordance with, Applicable Law, Trustee, without further demand on Borrower, will sell the Property at public auction 1o the highest bidder at the time and piace and under the terms designated in the notice of sale in one of more parcels and in any order Trustee determines. Trustee may postpone sale of alf 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 1o 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} fo all expenses of the sale, including, but not limited to, reasonable Trustee’s and reasonable attorneys’ fees and costs; (ii) 1o all sums secured by this Security Instrument; and (jii) 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 Secutity 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 entitied to it. Such person or persons will pay any recordation 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 trustee 1o any Trustee appointed under this Security Instrument. Without conveyance of the Property, the successor trustee will succeed 1o 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 o construe or enforce any term of this Security Instrument unless prohibited or restricted by Applicable Law. The term “aiorneys’ fees,” whenever used in this Security Instrument, includes without limitation atiorneys’ fees incurred by Lender in any bankruptey or appeliate proceeding. OREGON ~ Single Family ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Morigage Technology, inc. Page 11 of 12 ORZIEDEED 0322 - nan OREDEED (CL.8) 04/07/2026 11:58 AM PST LOAN #: 1034000694031 30. Protective Advances. This Security Instrument secures any advances Lender, atits discretion, may make under Section 8 to protect Lender's interest in the Property and rights under this Security Instrument. 31. Required Evidence of Property Insurance. WARNING Unless Borrower provides Lender with evidence of the insurance coverage as required by this contract or loan agreement, Lender may purchase insurance at Borrower’s expense lo protect Lender's interest, This insurance may, but need nct, also 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 for the cost of any insurance purchased by Lender. The cost of this insurance may be added to this contract or Borrower's loan balance. If the cost is added to this contract or Borrower's 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 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 obiain on their own and may not satisfy any need for property damage coverage or any mandatory liability insurance requirements imposed by Applicable Law. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider signed by Borrower and recorded with it. ATLAS ESTATES LLC , T e / V "0 gj ] Z (g‘e’an BY AUSTINTYLER - MANAGING MEMBER 7 DATE AS MANAGING MEMBER OF ATLAS EST, /C, A LIMITED LIABILITY COMPANY. OFFICIAL STAMP MARIA DANIELLE BROCK : g@ NOTARY PUBLIC-OREGON = COMMISSION NO. 1044479 M'COMMKSSEON EXPIRES JANUARY 21 2028 o This racordzwgas acknowiedged before me on / / £ Z {)Z &7 (date) by AUSTIN TYLER, Lender: CrossCountry Mortgage, LLC NRLS ID: 3029 Loan Originator: Katle Fox NMLS ID: 1688514 OREGON - Single Family ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 12 of 12 ORZ1EDEED 0322 OREDEED {CLS) G4/07/2026 11:58 AM PST LOAN #: 1034000694031 MIN: 1007191-0004147962-5 1-4 FAMILY RIDER THIS 1-4 FAMILY RIDER is made this 7th day of April, 2026 and is incorporated into and amends and supplements the Mortgage, Mortgage Deed, Deed of Trust, or Security Deed (the “Security Instrument”) of the same date given by the undersigned (the “Borrower”) to secure Borrower’s Note to CrossCountry Mortgage, LLC, a Limited Liability Company (the “Lender’) of the same date and covering the Property described in the Security Instrument and located at: 449 Adams St Klamath Falls, OR 97601 1-4 FAMILY COVENANTS. In addition to the representations, warranties, covenants, and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECTTOTHE SECURITY INSTRUMENT. In addition to the Property described in the Security Instrument, the following items now or later attached to the Property, to the extent they are fixtures, are added to the Property description, and will also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or later located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control appa- ratus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mir- rors, cabinets, paneling, and attached floor coverings, all of which, including replacements and additions, will be deemed to be and remain a part of the Property covered by the Security instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1-4 Family Rider and the Security Instrument as the “Property” B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower will not seek, agree to, or make a change in the use of the Property or its zoning classification, unless Lender has agreed in writing to the change. Borrower will comply with all laws, ordinances, regulations, and requirements of any governmental body applicable to the Property. C. BORROWER’'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section 6 concerning Borrower’s occupancy of the Property is deleted. D. ASSIGNMENT OF LEASES. Upon Lender’s request after default, Bor- rower will assign to Lender all leases of the Property and all security deposits made in connection with leases of the Property. Upon the assignment, Lender will have the right to modify, extend, or terminate the existing leases and fo execute MULTISTATE 1-4 FAMILY RIDER -~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 07/2021 ICE Morigage Technology, Inc. Page 10f2 F3170v21RDU 0822 FI7ORLY (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000894031 new leases, in Lender's sole discretion. As used in this paragraph D the word “lease” will mean “sublease” if the Security Instrument is on a leasehold. E. CROSS-DEFAULT PROVISION. Borrower’s default or breach under any note or agreement related to the Property in which Lender has an interest will be a breach under the Security Instrument and Lender may invoke any of the remedies permitted by the Security Instrument. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants con- tained in this 1-4 Family Rider. ATLAS ESTATES LLC A s—— N2 (?A _tsea BY AUSTINTYLER - MANAGING MEMBER MULTISTATE 14 FAMILY RIDER ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3170 07/202% ICE Marigage Technology, Inc. Page 2 of 2 F3170v21RDU 0822 F3170RLU (CLS) 04/07/2026 11:568 AM PST LOAN #: 1034000694031 MiIN: 1007191-0004147862-5 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Rider) THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER ("MERS Rider") is made this 7th day of April, 2026, and is incorporated into and amends and supplements the 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 o CrossCountry Mortgage, LLC, a Limited Liability Company {“Lender”) of the same date and covering the Property described in the Security Instru- ment, which is located at; 449 Adams St, Kilamath Falls, OR 97601. 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: “Lender” is CrossCountry Mortgage, LLC. Lender is a Limited Liability Company organized and existing under the laws of Delaware. Lender’s address is 2160 Superior Avenue, Cleveland, OH 44114. Lender 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 P.O. Box 2026, Flint, Ml 48501-2026, tel. (888) 679-MERS. MERS is appointed as the Nominee for Lender to exercise the rights, duties and obligations of Lender as L.ender 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 appoeintment will inure to and bind MERS, its successors and assigns, as well as Lender, untii 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 MaefFreddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technology, Inc. Page 1 of 4 F3158v21RDU 0622 F3188RLU (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000694031 B. TRANSFER OF RIGHTS IN THE PROPERTY The TRANSFER OF RIGHTS IN THE PROPERTY section of the Security Instru- ment 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; SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A", APN #: 416188 which currently has the address of 449 Adams St, Klamath Falls, [Street] [GCity] OR 97601 ("Property Address”); [State] [Zip Code] TOGETHER WITH all the improvements now or subsequently 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 notice required by Applicable Law or this Security Instru- ment 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 including, but not limited to, assign- ing and releasing 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 Morigage Technology, inc. Page 20fd F3158v21RDU 0822 F3158RLU (CLS) L m 04/07/2026 11:58 AM PST LOAN #: 1034000694031 (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) below). Notice to 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 Communication”) 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 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-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 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 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 will 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 provided 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 UNIFORM INSTRUMENT Form 3158 07/2021 ICE: Mortgage Technology, Inc. Page 3 of 4 F3158v21RDU 0622 F3158RLU (CLS) 04/07/2026 11:58 AM PST LOAN #: 1034000894031 Instrument will convey to Lender’s successors and assigns. Lender acknowledges that until it directs MERS to assign MERS’s Nominee interest 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 Instrument 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. ATLAS ESTATES LILC . R ~y /. , ,,,,,,, %\———NMW (/ (/' ? / /2 é? {Seal) BY AUSTIN TYLER - MANAGING MEMBER DATE MERS RIDER - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 H ICE Mo Technalogy, inc. Page 4 of 4 Fa168v21RDU 0622 riaege ¥ ge F3158RLU (CLS) 04/07/2026 11:58 AM PST PREPAYMENT RIDER TO SECURITY INSTRUMENT Loan #: 1034000694031 Property Address: 449 Adams St Kiamath Falls, OR 97601 This Prepayment Rider (the “Rider") is made this 7th day of April, 2026, and is incorporated into and intended to form a part of the Mortgage, Deed of Trust, or Security Deed of same date (the “Security Instrument”) given by the undersigned Borrower to secure repayment of the Note dated the same date as this Rider. To the extent that the provisions of this Rider are not consistent with the provisions of the Note and/or the Security Instrument, the provisions contained in this Rider shall prevail over and will supersede any inconsistent provisions of the Note and/or Security Instrument. Borrower's Right to Prepay I'have the right to make payments of Principal at any time before they are due, A payment of Principal only is known as a “Prepayment” Except as provided herein, I may make a Prepayment at any time without paying any penalty. When | make a Prepayment, | will notify the Note Holder (as defined in the Note) in writing | am doing so. | may not designate a payment as a Prepayment if | have not made all the monthly payments due under the Note. The Note Holder will use my Prepayments to reduce the amount of Principal that | owe under the Note. However, the Note Holder may apply my prepayment to any accrued and unpaid interest due under the terms of the Note before applying my Prepayment to reduce the Principal amount of the Note. If | make a partial Prepayment, there will be no changes in due date or in the amount of my monthly payment uniess the Note Holder agrees in writing to those changes. If the Note contains provisions for a variable interest rate, my partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. If, within the first SIXTY (€0 ) months following the date the Note is executed, | make any Prepayment | agree to pay a charge to the Note Holder in consideration for Note Holder’s acceptance of such Prepayment (a “Prepay- ment Penalty”). The amount of the Prepayment Penalty is detailed below: If, within the first 12 months following the date the note is executed, | make a Prepayment | will be subject to a Prepayment Penalty of 5.000 % of the Prepayment. if, within the 12 months following the 1st anniversary of the date the note is executed, | make a Prepayment | will be subject to a Prepayment Penalty of 4.000 % of the Prepayment. Prepayment Rider to Security Instrument ICE Mortgage Technology, Inc. Page 1of 2 LO0799853DPPRDU 1125 LUO788853FPPRLU (CLS) m 04/07/2026 11:58 AM PST LOAN #: 1034000684031 If, within the 12 months following the 2nd anniversary of the date the note is executed, | make a Prepayment | will be subject to a Prepayment Penalty of 3.000 % of the Prepayment. If, within the 12 months following the 3rd anniversary of the date the note is executed, | make a Prepayment | will be subject to a Prepayment Penalty of 2.000 % of the Prepayment. If, within the 12 months following the 4th anniversary of the date the note is executed, | make a Prepayment | will be subject to a Prepayment Penalty of 1.000 % of the Prepayment. The Note Holder’s failure to collect a prepayment penalty due pursuant to this Addendum shall not be deemed a waiver of such penalty and any Prepayment Penalty shall be payable upon Note Holder's demand. If the Note provides for a variable interest rate or finance charge and the interest rate or finance charge at any time exceeds the legal limit under which a Prepayment Penalty is allowed, then the Note Holder's right to assess a Prepayment Penalty will be determined under applicable law. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Addendum. ATLAS ESTATES LLC MMBER 0 \/// OV /%E(sn" Prepayment Rider 1o Securlty Instrument ICEM Technology, Inc. Page20of 2 L00799853DPPRDU 1125 orignge oloa. 9 LOO789853FPPRLU (CLS) 04/07/2026 11:58 AM PST EXHIBIT “A” Lots 42 and 43, Block 14, INDUSTRIAL ADDITION to the City of Klamath Falls, a ccording to the official plat thereof on file in the office of the County Clerk of Klamath County, Oregon.