2026-003191 Klamath County, Oregon 04/10/2026 02:49:02 PM Fee: $177.00 VlESfERPI_ TITLE & ESCROW QQMPANY When recorded, return to: Indecomm Globa! Services Mail Stop - FD-FW-9909 1427 Energy Park Drive St, Paul, MN 55108 MAIL TAX STATEMENT TO: Fairway Independent Mortgage Corporation 4201 Marsh Lane, Carrollton, TX 75007 Title Order No.: WT0284617-JS LOAN #: 2611500151 [Space Below This Line Far Acknowledgment] DEED OF TRUST COVER PAGE This Cover Page MUST be attached with your recordable document 1 Grantor/Borrower Name(s) and Address: Avena Zambrano Dscar Zambrano 269 MartinWay S 269 Martin Way S Monmouth, OR 97361 ilonmouth, OR 97361 2. Grantee/Lender Name and Address: Fairway Independent Mortgage Corporation 4201 Marsh Lane Carrollton, TX 75007 3. Trustee Name and Address: Western Title & Escrow 1316 E Main St Cottage Grove, OR 97424 4. Name and Address of Nominee for Lender: Mortgage Eiectronic Registration Systems, Inc. P.O. Box 2026 Flint, Ml 48501-2026 5. The true and actual consideration paid for this transfer is $95.000.60. 6. Untila change is requested, all tax statements shall be sent to the following address: Fairway Independent Mortgage Corporation 4201 Marsh Lane Carrollton, TX 75007 Or. Rev. Stat. 205.234 ICE Mortgage Technology, Inc. ORCOVER 0324 ORCOVER (CL5) 04/08/2026 02:34 PM PST When recorded, return to: Indecomm Global Services Mail Stop - FD-FW-9909 1427 Energy Park Drive St. Paul, MN 55108 - . -: Title Order No.: WT0284617-JS LOAN #: 2611500151 [Space Above This Line For Recording Data] DEED OF TRUST [MIN 1003924-1121524344-8 | 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 PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25. Certaun rules regarding the usage of words used in this document are also provided in Section 17. Part:es (A) “Borrowey” is AVENA ZAMBRANO AND OSCAR ZAMBRANO, AS TENANTS BY THE ENTlRE'IY currently residing at 269 Martin Way S, Monmouth, OR 37361. Borrower is the grantor under this Security Instrument. (B) “Lender” is Fairway Independent Mortgage Corporation. Lenderis a COrpbration,’ . | ‘ . organized and existing under the laws of Texas. Lender's address is 4201 Marsh Lane, Carrollton, TX - 75007. Lender is the beneficiary under this Security Instrument. The term “Lender” includes any successors and assigns of Lender. (C) “Trustee” is Western Title & Escrow. Trustee’s address is 1316 E Main St, Cottage Grove, OR 87424, The term “Trustee” includes any substitute/successor Trustee. (D) “MERS” is the Mortgage Electronic Registration Systems, Inc. Lender has appointed MERS as the nominee for Lender for this Loan, and attached a MERS Rider fo 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 (MERS) Form 3038 07/2021 ICE Mortgage Technology, inc. Page 1 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2026 02:34 PM PST LOAN #: 2611500151 Documenis (E) “Note” means the promissory note dated April 8, 2026, and signed by each Borrower who is iegally obligated for the debt under that promissory note, that is in either () paper form, using Borrower’s written pen and ink signature, or (n) 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 N‘NETY FNETHOUSAND AND No’»‘oo*******************!*************t*t***********tt** ****************************t************* DO"&I’S(US $9500000 * )plus'nterest Each Borrower who signed the Note has promlsed fo] pay this debt in regular monthly payments and to pay the debt in full not later than May 1, 2056. (F) “Riders” means all Rlders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be sngned by Borrower [check box as appllcable] [ Adjustable Rate Rider [ condominium Riderl . .. o ¥ Second Home Rider [0 1-4 Family Rider . O Pianned Unit Development Rider [ V.A. Rider . O Other(s) [specify] '[®) MERS Rider (G) “Secunty lnstrument” means thlS document, which i is dated Aprll 8,2026, 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. (D) “Default” means: (i) the failure to pay any Perlodlc Payment orany 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 materlal information in connechon with the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 12(g). (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 electromc terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution 1o 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 transfers. (L) “Electronic Signature” means.an “Electronic Slgnature as defined in the UETA or E-SIGN, as applicable. (M) “E-SIGN” means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.), as it may be amended from time to time, or any applicable additional or successor legislation that governs the same subject matter. (N) “Escrow tems” means: (i) taxes and assessments and other items that can attain priority over this Security Instrument as a lien or encumbrance on the Property; (if) leasehold payments or ground rents-on the Property, if any; (i) 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. (O) “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 fo 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: (f) damage o, or destruction of, the Property; (ii) condemnation or other taking of all ar any part of the Property; (iii) conveyance in lieu of condemna- tion; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (R) “Morigage insurance” means insurance protecting Lender against the nonpayment of, or Defautt 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. (T) “Periodic Payment” means the regularly scheduled amount due for (i) principal and interest under the Note, plus (i) any amounts under Section 3. (U) “Property” means the property described below under the heading “TRANSFER OF RIGHTS IN THE PROPERTY” (V) “Rents” means all amounts received by or due Borrawer 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) 04/08/2026 02:34 PM PST T e e e e et b e e 0t B T ) ¢ smman e e e ! LOAN #: 2611500151 federal legislation or regulation that governs the same subject matter. When used in this Security Instrument, “RESPA” refers to all requirements and restrictions that would apply to a “federally related mortgage loan” even if the Loan does not qualify as a “federally related mortgage loan” under RESPA. (X) “Successor in Interest of Borrower” means any party that has taken title to the Property, whether or not that party has assumed Borrower’s obligations under the Note and/or this Security Instrument. (Y) “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 legislation that governs the same subject matter. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender (i) the repayment of the Loan, and all renewals, extensions, and modifica- tions 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 Trusiee, in trust, with power of sale, the following described property located in the County of Klamath: Lot 10, Block 10, Tract No. 1042, Two Rivers North, according to the official plat thereof on file in the office of the County Clerk of K[amath County, Oregon APN #: 162512 which curtently has the address of 124357 Adell Ct, Crescent Lake [Street] [City] Oregon 97733-7001 (“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, royaities, mineral rights, oil or gas rights or profits, water rights, and fixtures niow 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 lawfully has the right to use and occupy the Property under a leasehold éstate; (i) 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 fitle to the Property and covenants and agrees to defend the title to the Property against all claims and demands, subject o 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 more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer’s check, or cashier’s check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instrumentality, or entity; or (d) Electronic Fund Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be desngnated by Lender in accordance with the notice prowsmns m 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 maklng 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 Family ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technalogy, Inc. Page 3 of 12 OR21EDEED 0822 OREDEED (CLS) 04/08/2026 02:34 PM PST LOAN #: 2611 500151 2. Acceptance and Application of Payments or Proceeds . (a) Acceptance and Application of Partial Payments. Lender may accept and erther apply or hold in suspense Partial Payments in its sole discretion in accordance with this Section 2, Lenderis not obligated to accept any Partial Pay- ments or.to apply any Partial Payments ai the time such payments.are accepted and also is not obligated to pay interest on such unapplied funds. Lender may hoid such unapplied funds until Borrower makes payment sufficient fo cover a full Periodic Payment, at which time the amount of the full Periodic Payment will be applied to 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, .ot reinstatement. Lender may -accept any payment insufficient to bring the Loan current without waiver of any rlghts 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, begrnmng with the oldest outstandlng Periodic Payment, as follows: first o interest and then to principal due under the Note, and finally to Escrow ftems. 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. If all sums then due under the Note and this Security. lnstrument are paid in full, any remaining payment amount may be applied, in Lender’s sole discretion, 1o a future Periogic Payment or o reduce the principal balance of the Note. If Lender receives a payment from Borrower inthe amount of one or more Periodic Payments and the amount of any late charge due for a delinquent 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. (©). Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note. (d) No Change to Payment Schedule. Any appiication 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 ltems. (a) Escrow Requurement 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 ltems (the “Funds") The amount of the Funds required 1o be paid each month may change during the term of the Loan. Borrower must promptly furnish to Lender all notices ar invoices of amounts to be. paid under this Section 3. (b) Payment of Funds; Waiver. Borrower must pay Lender the Funds for Escrow ltemns unless Lender warves ‘this obligation in writing. Leénder may waive this obllgatlon for any Escrow ltem at any time. In the event.of such waiver, Bor- rower must pay direcily, when and where payable, the amounts due for any Escrow liems subject to the waiver. if Lender has waived the requirement to pay Lender the Funds for any or all Escrow lterns, Lender may require Borrower to provide proof.of direct payment of those items wrthln such time period as. Lender may require. Borrower’s obligation 1o make such timely payments and to provide proof of payment is deemed to be a covenant and agreement of Bormower under this Security Instrument. If Borrower is obligated to pay Escrow ltems directly pursuant to a waiver, and Borrower fails to pay timely the amount due for an Escrow ltem, Lender may exercise its rights under Section 9 to pay such amount and Borrower will be obligated to.repay. to Lender any such amount in accordance with Section 9. Lender may withdraw the waiver as to any or all Escrow ltems at any time by giving a notice in accordance with Section 16; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow ltems, and in such amounts, that are then requlred under this Section 3. (¢) Amount of Funds; Application.of Funds. Lender may, atany tlme collect and hold Funds in an amount up to, but not in excess .of, the maximum amount a lender can require under RESPA. Lender will estimate the amount of Funds due in accordance with Applicable Law. The Funds will be held in an institution whose deposrts 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; (ii) annually analyzing the escrow account; or (jii) verifying the Escrow . ltems, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such & charge. Unless Lender and Borrower agree in writing or Applicablé Law requires interest to be paid on the Funds, Lender will not be required to pay Borréwer 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 Deficiency 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 Itemns. 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 deficiency in accordance with RESPA. Upon payment in full of all sums secured by this Security Instrument, Lender will promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions attributable to the Property which have priority or may attain priotity over this Security Instrument, (b) leasehold payments or ground rents on the Property, if any, and (¢) Community Association Dues, Fees, and Assessments, if any. If any of these items are Escrow liems, Borrower will pay them in the manner provided in Section 3. Borrower must promptly discharge any fien that has priority or may aiiain priority over 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 Technolegy, Inc. Page 4 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2026 02:34 PM PST LOAN#: 26115001 51 (cc) secures ‘from the holder of the fien an agreement satlsfactory to Lender that subordlnates the. fien to this Secunty Instrument (collectively, the “Beqmred Actions "). If Lender determines that any part of the Property is subject o a fien that has priority or may attain priority over this Securrty Instrument arid Borrower has not taken any of the Reguired Actions in regard to such lien, Lender may give Borrower a nofice identifying the’ lien. Within 10 days after the date on WhlCh that nétice i is given, Borrower must satlsfy the lien or take one or more of the Bequrred Actlons ’ "5." Property Insurance. . (a) Insurarice Flequrrement Coverages Borrower must keep the rmprovements now existing or subsequently erected on'the, Property insured against [oss by fire, hazards included within the term “extended coverage "and any other hazards 1nclud|ng, but not limited to, earthquakes w1nds, and floods, for which Lender requires insurance. Borrower.must maintain the types of insurance Lender requires in the amounts (mc'udlng deductlble levels) and for the periods that Lender requires. What Lender reqmres ‘pursuant o the precedlng sentences can change during the term of the Loan, and may exceed any mmlmum coverage requrred by Applicable Law. Borrower may choose the ingurance cartier provxdmg the insurance, subject to Lendér’s right to disapprove Borrower's choice, which right will not be exercised unreasonably (b) Failure to Maintain Insurance. lf Lender has a reasonable basis to believe that Borrower has failed to maintain any of the required insurance coverages descnbed above, Lender may obtain insurance coverage, at Lender’s option and at Borrower’s expense. Unless reqmred by Appllcable Law, Lender is under no obligation to advance premiums for, or t6 seek to reinstate, any’ pnor iapsed'; coverage obtained by | Borrower Lender is underno obllgatlon 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, Borrower’s equity in ‘the Property, or the contents of the Property, agatnst any risk, hazard, or Tability and might provrde greater or Tlesser coverage than was pre\nously in effect, but not exceeding the coverage requrred 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 obtalned Any amounts disbursed by Lender for costs associated with reinstating Borrower’s insurance policy or with placpng new insurance under this Section 5 will become additional debt of. Borrower secured by this Security Instrument. These amounts will bear interest at the Note rate from the date of disbursement and will be payable, with such interest, upon notice from Lender o Borrower requesting payment (c) Insurance POIIOIBS All insurance policies required by Lender and renewals of such poItcres (i) will be subject to Lender’s rlght to disapprove such poli cies; (i) must include a standard mortgage clause; and (iify must name Lender as mortgagee and/or as an additional loss’ payee. Lender will have the right to hold the policies and renewal certlt" cates. if Lender requires, Borrower will promptly give to Lender proof of paid premiums and renewal notices. If Borrower obtains any forr of instrance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such polrcy must include a standard 'nortgage clause and must namé Lender as mortgagee and/or as an additional loss payee (d) Proofof Loss; Ap plication of Proceeds Iri the event of loss, Borrower must give prompt notice to the insurance camer and Lender. Lender may make proof of loss if not made promptly by Borrower. Any insurance proceeds, whether or not the underlylng insyrance was required by Lender, will be applied to restoration or repair of the Property, if Lender deems the restoration or repair o be economlcally feasrble and determlnes that Lender’s security wrll not be lessened by such restoration or repair.. .. |f the Propeity is fo be repatred or restored, Lender w1|l dlsburse from the i insurance proceeds any mrttal amounts that are necessary io begrn 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 suchi insurance proceeds until Lender has had an opportunity 1o inspect such Property 1o ensure the work has been’ ‘completed 0 Lender’s satisfaction (wh|ch may include satisfying Lender's minimum ellg|b1lrty requirements for persons repairing ttie Property, including, but not limited to, licensing, bond, and insurance reqwrements) provided that such inspection must be undertaken promptly. Lender may d tsburse proceeds for the repairs and restoration in a singlé 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 répair agreement, and whether Borrower is In Default on the Loan. Lender’fmay make such disbursements directly to Borrower, to the person 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 unjess Lender and Borrower agree in writing orApphcable Law requires otherwise. Fees for public adjusters, or other third parties, retained by Borrower will not be patd out of the jnsurance proceeds and will be the sole obligation of Borrower. If Lender deems the restoration or repair not ic 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 Seitlements; Assignment of Proceeds. If Borrower abandons the Property, Lender may file, negoti- ate and seftle any available insurance claim and related matters. i Borrower does not respond within 30 days to.a notice - from Lender that the insurance carrier has offered to seitle a claim, then Lender may negotiate and setile the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 26 or otherwise, Borrower is unconditionally assigning to Lender (i) Borrower's righis to any insurance proceeds in an arnount not to exceed the amounts unpaid under the Note and this Security Instrument, and (i) any other of Borrower’s rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, to the extent that such rights are applicable to the coverage of the Property. If Lender files, negotiates, or seitles a claim, Borrower agrees that any insurance proceeds may be made payable directly to Lender without the need to include Borrower as an additional loss payee. Lender may use the insurance proceeds either to repair or restore the Property (as provided in Section 5(d)) or to pay amounts unpaid under:the Note or this Security Instrument, whether or not then due. 6. Occupancy Borrower. must occupy, establish, and use the Property as Borrowers principal residence within 60 days after the execution of this Securrty 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, whtc_h consent will not be unreasonably withheld, or unless extenuating circumstances exist that are beyond Borrower’s control.. OREGON — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 5 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2026 02:34 PM PST LOAN #: 2611500151 7 Preservatlon, Matntenance, and Protectlon of the Property, lnspectrons 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 jts condition. Unless Lender determines pursuant to Section 5 that repair or restoration is not economically feasible, Borrower will promptty repair the Property if. damaged to avoid further deterioration or damage Ifinsurance or condemnation proceeds are paid to Lenderin connection with darmage to, or the taking of, the Property, Borrower will be responsible for repairing or restonng the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a singie payment or in a series of progress paymenis as the work is completed depending on the size of thé repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such dlsbursements directly to Borrower, 1o the person repairing or restoring the Property, or payable Jomtly to both, If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower remains obllgated to complete such repair or restoration. Lender may.make reasonable entries upon.and mspeottons ofthe Property If Lender has reasonable cause Lender may inspect the intetior of the |mprovements on the Property. Lender will glve Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.. 8. Borrower’ s Loan Appllcatlon Borrower wil] be in Default if, dunng the Loah application process, Borrower or any persons or entities acttng at Borrower’s, direction or with Borrowsr's knowledge or consent gave materially false misleading, or inaccuraje’ |nformatton or staijements to Lender (or failed 1o 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 provrde documentation of Borrowers (debt obligations and lrablhnes and mtsrepresentlng Borrower's occupancy or intended cccupancy of the Property as Borfower's principal residence.” . 9. Protection of Lender’s Intérest in the Property and Rights. Under this Secunty Instrument. (a) Protection of Lender’s Inierest. If: (/) Borrower fails to perform the covenants and agreements contained i in this Security Instrument; (i) there is a Jegal 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 bankruptcy, 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 (m) 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, mcludlng protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender’s actions may inciude, 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 (i) paying: (A) reaspnable atiorneys’ fees and costs; (B) property inspection and valuation fees; and (C) other fees mcurred for the purpose of protecting Lender's interest in the Property and/or rights under this Secunty Ihstrument, mcludrng its secured position in a bankruptcy pro- ceeding. Securing the Property includes, but is not limited fo, extetior and interior inspections of the Property, entéring the Property to make repairs, changing locks, replacing or boarding up doors and windows, draining water from pipes, eliminating building or other code viclations.or dangerous conditions, and having utilities turned on or off. Although Lender may take action under this Section 8, Lender is not required fo 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 1o foreciosure, including, but not limited o, obtaining credit reports, title reports, title i insurance, property valuations, subordination agreements, and third- party approvals Borrower authorizes and ¢consents 1o these actions. Any costs associated with such loss mltlgatlon activities may be paid by Lender and recovered from Borrower as described below in Section 9(c), unless prohibited by Applicable Law. . (c) Additional Amounts Secured. Any amounts dlsbursed by Lender under this Section 9 will become addxtlonal debt of Borrower secured by this Security instrument. These amounts may bear. interest at the Note rate from the date of disbursement and will be payable, with such interest, upon notice from Lender to Borrower requesting payment. (d) Leasehold Terms. If this Security lnstrument is on a leasehold, Borrower will comply with allthe 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 o the Property, the leasehold and the fee title will not merge uniess Lender agrees to the merger in writing. 10. Assignment of Rents. -(a) Assignment of Rents. If the Property is leased to, used by, or-occupied by a third party (“Tenant”), Borrower is unconditionally.assigning and transferring to Lender any Renis, 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 (i) Lender has given Borrower notice of Default pursuant to Section 26, and (i) Lender has given notice to the Tenant that the Rents are 1o 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: (j) all Rents received by Borrower must be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Security Instrument; (if) Lender will be entitled fo collect and receive all of the Rents; (iii) Borrower agrees to instruct each Tenant that Tenant is fo pay all Bents due and unpaid to Lender upon Lender’s written demand to the Tenant; (iv) Borrower will ensure that each Tenant pays all Bents due.to Lender and will take whatever action is necessary.to.collect such Rents if not paid to Lender; (v) unless Appllcable Law provrdes otherwise, all Rents collected by Lender will be applled first to the Costs of taktng control of and managing the Property and collectlng the Rents, including, but not limited to, reasonable attorneys fess and costs, receiver's fees, premiums on recelver’s bonds, repatr and maintenanc¢e costs, insurance premiunis, taxes, assessments and other charges on the Property, and then to any. other sums secured by this Secunty lnstrument CREGON ~ Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 6 of 12 OR21EDEED 0322 ) OREDEED (CLS) 04/08/2026 02:34 PM PST " LOAN #: 2611500151 (vi) Lender or. any JudICIally appointed receiver, will be fiable to account for only those Rents actually received; and (vii) Lender will be entitled 10 have a receiver appomted 1o take possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as to the inadequacy of the Property as security. . (©) Funds Paid by Lender, If 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 sacured 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. . () No Other Assrgnment of Rents. Borrower represents, warrants, covenants, and agrees that Borrower has not 31gned any prior assrgnment 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 appom*ed 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 Appllcable 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 walve any Default or lnvalrdate any other right or remedy, of Lerider. This Section 10.does not relieve Borrower of Borrower's obligations under Section 6. This Section 10 wiff terminate when all the sums secured by this Security Instrument are paid.in full. . 1. Mortgage Insurance. (a) Payment of Premiums; Substltutlon of Pohcy, Loss Reserve Protectlon of Lender If Lender. required Mortgage Insurance as a condition of making the Loan, Borrower will pay the premiums required to maintain the Mort- gage Insurance in effect. If Borrower was required to make separately designated payments toward the premiyms for Mortgage Insurance, and (j) the Mortgage Insurance coverage required by Lender ceases for any reason to be available from the mortgage insurer that previously provided such insurance, or (i) Lender determines in its sole discretion that such mortgage ihsurer is no longeér eligible to provide the Mortgage Insurance coverage required by Lender, Borrowerwrll pay the premiums required 1o obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantlally equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantlally equivalent Mortgage Insurance coverage is not available, Borrower will continue to pay 1o Lender the amount of the separately designated payments that were due when the insurance coverage ceased fo be in effect. Lender will accept, use, and retain these payments as a non-refundable loss reserve in fieu of Mortgage Insurance. Such loss reserve will bs non- -refundable, even when the Loan is paid in full, and Lender will not be requlred to pay Borrower any interest or eammgs on such loss reserve.. . Lender will no longer require loss reserve payments if Mortgage |nsurance coverage. (in the amount and for the period that Lender requires) pravided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately desxgnated payments toward the premiums for Mortgage Insurance. If Lender required Mor'gage Insurance as a condition of making the Loan and Borrower was requlred o make sepa- rately designated payments. toward the premtums for Mortgage Insurance, Borrower will pay the premiums. required to mainiain Morigage lnsurance in effect, orto provide a non-refundable loss reserve, until Lender’s requirement for Morigage 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 i in this Section 11 affects Borrower’s obligation to pay interest at the Note rate. (b) Mortgage Insurance Agreements Mortgage lnsurance reimbuirses 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 tnsurance in force from time to time, and may enter into agree- ments with other parties that share or modify their nsk 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 premlums) 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 tndlrectly) amounts that derive from (or might be characterized as) a portion of Bor- rower's payments for Mortgage Insurance, in exchange for sharing or medifying 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; (i) increase the amount Borrower will owe for Mortgage Insurance; (i) entitle Borrower to any refund; or (iv) affect the rights Borrower has, if any, with respect to the Mortgage 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 fo receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/er 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 agrees that such amounts will be paid fo Lender. (b) Application of Miscellaneous Proceeds upon Damage to Property. I 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 economicaily 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 fo hold such Miscellaneous Proceeds until Lender-has had-an opportunity to inspect the Property to-ensure the work has been completed tol.ender’s satisfaction (which may include safisfying Lender’'s minimum eligibility ‘Treguirements for persons repairing the Property, including, but not limited fo, licensing, bond, and insurance requirements) OREGON — Single Family — Fannie ll.'laelFreddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 7 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2025 02:34 PM PST LOAN #: 2611500151 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 disbursements 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 mterestto 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 fo Borrower. Such Miscellaneous Proceeds will be applied in the order that Partial Payments are applied in Section 2(b). (c) Application of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss in Value of the Property. In the event of a total taking, destruction, or loss in value of the 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, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property (each, a “Partial Devaluation”) where the fair market vaiue of the Property immediately before the Partial Devaluation is equal fo or.greater than the amount of the sums secured by this Security Instrument immediately before the Partial Devaluation, a percentage of the Mlscellaneous Proceeds will be applied to the sums secured by this Secunty instrument unless Borrower and Lender otherwise agree in 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 caiculated by taking (i) the total amount of the sums secured lmmedrately before the Partial Devaluation, and dividing it by (if) the fair market value of the Property immediately before the Partial Devaluation. Any balance of the Miscellaneous Proceeds will be paid to Borrower. In the event of a Partial Devaluation where the fair market vaiue of the Property immediately before the Partial Devalu-~ afion is less than the amount of the sums secured immediately before the Partial Devaluation, all of the Miscellaneous Proceeds will be applied fo the sums secured by this Security Instrument, whether or not the sums are then due, unless Borrower and Lender otherwise agree in writing. (d) Settlement of Claims. Lender Is authorized to collect and apply the Mlscellaneous Proceeds erther to the sums secured by this Security Instrument, whether or not then due, or to restoration or repair of the Property, if Borrower (i) abandons the Property, or (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 ln regard to the Miscellaneous Proceeds. (e) Proceeding Affecting Lender’s Interest in the Property. Borrower will be in Default if any action or proceeding begins, whether civil or criminal, that, in Lender’s judgment, could result in forfeiture of the Property or other material impair ment of Lender’s interest in the Property or rights under this Security Instrument. Borrower can cure such a Default and, if acceleration has occurred, reinstate ‘as provided in Section 20, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfetture of the Property or ather materia] impairment of Lender's interest in the Property or rights under this Security | Instrument Borrower is. uncondltlonally assigning to Lender the proceeds of any award or claim for damages that are attributable to the impairment of Lender’s interest in the Property, which proceeds will be paid fo 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 Warver 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 preclude the exercise of, any right or remedy by Lender. 14. Joint and Several Liability; Signatories; Successors and Assigns Bound. Borrower’s obligations and fiability 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 morigage, 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 13, any Successor in Interest of Borrower who assumes Borrower’s obligations under this Security Instrument in writing, and is approved by Lender, will obtain ali 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 fo such release in writing. 15. Loan Charges. (@) 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 tracktng services, or (B) a one-time charge for flood zone determination and certr?catlon services and subseguent charges each time remappings of 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 Managemient Agency, or any successor agency, at any time during the Loan term, in connecl:on w:th any flood zone deten'nlnatlons OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 8 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2026 02:34 PM PST, [— v i e - LOAN #: 2611500151 (b) Default Charges. i penmtted under Apphcable Law Lender may charge Borrower fees for services performed in connectlon with Borrower’s Default to protect Lender’s interest in the Property and rights under this Security Instrument, including: (i) reasonable attorneys’ fees and costs; (ii) property inspection, valuation, mediation, and loss mttlgatlon fees; and (jii) other related fees. (c) Permissibility of Fees. In regard toany mherfees the absence of express. authorrty in this Security lnstrument to charge a specrfrc 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 éxceed the permitted limits, then (i) any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit, and (ii) 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 prmcrpal the reduction will be treated as a partial prepayment without any prepayment charge (whether or nota prepayment charge is provrded 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. o 16. Notices; Borrower’s Physical Address. All notices given by Borrower or Lender i in connection with this Security Instrument must be i in writing.. (@) Notlces to Borrower. Unless Appllcable Law requires : a drfferent method any written notlce to Borrower in con- nectlon with this Security Instrument will be deemed io have been given to Borrower when (i) mailed by first class mail, or (i) actually delivered to Borrower'’s.Notice Address (as defined in Section 16(c) below) if sent by means other than ?rst class mail or Electronic Communication (as defined in Section 16(b) below). Notice to any one Borrower wili 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 Applicabie Law requirement will satisfy the corresponding requirement under this Security Instrument. (b) Electronic Notice to Borrower. Unless another deiivery method is required by Appllcable Law, Lender may prowde notice to Borrower by e-mail or other electronic communication (“Electronic Communication”) if: (i) agreed to by Lender and Borrower in writing; (if) Borrower has provided Lender with Borrower’s e-mail or other electronic address (“Electronic Address™); (iif} Lender provides Bomower 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 Security Instrument will be deemed fo have been grven 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 ?rst class mail or by other non-EIectronlc Communication. Borrower may withdraw the agreement to receive Electronic Communications f from Lender at any time by providing written notice to Lender of Borrower's wrthdrawal of such agreement. (c) Borrower’s Notice Address The address to whrch Lenderw?l send Borrower notlce (‘Nonce Address’) will be the Property Address unless Borrower has deS|gnated a different address by written notice to Lender. I 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, mcludmg 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 ?rst class mail fo.Lenders 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 (WhlCh 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 wili sattisfy the corresponding requirement under this Security Instrument. (¢) Borrower’s Physical Address. In addition fo 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. 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 fimitations of Applicable Law. If any provision-of this Security, instrument or the Note conflicts with Applicable Law (i) such conflict 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 t6 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 1o be made in accordance with the Applicable Law in effect at the fime 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; (¢) any reference to “Section” in this document refers to Sections contained in this Security Instrument uniess 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 lnstrument or any particular Section, paragraph, or provision.. - 18. Borrower’s Copy. One Borrower will be given one copy of the Note and of thrs Secunty lnstrument. _ 19. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Section 19 only, “‘lnterest in the Property” means any legal or beneficial interest.in.the Property, including, but not limited to, those beneficial interests OGREGON - Single Family — Fannie Mae/Freddie Mac UNIFORN INSTRUMENT (MERS) Form 3033 07/2021 ICE Mortgage Technology, Inc. Page 9 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2026 02:34 PM PST LOAN #: 2611500151 transferred ina bond for deed, contract for deed mstallment sales contract OF eSCi row agreement the mtent of whlch is the transfer of title by Borrower to a purchaser at a future date. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower |s 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 ofall sums secured by this Secunty lnstrument. However, Lender will not exercise this option if such exercise is prohibited by Apphcable Law. If Lender exercises this option, Lender will give Borrower notice of acceleratlon The notice will provide a period of not less than 30 days from the date the notice is given in accordance with Section 16 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails 1o pay these sums prior to, or upon, the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower and will be entitled to.collect all expenses incurred in pursuing such remedies, including, but not limited to: (a) reasonable attorneys’ fees and costs; (b) property inspection and vaiuation fees; and (c) other fees incurred to protect Lender’s Interest i in the Property and/or rights.under this Security Instrument. 20. Borrower’s Right to Reinstate the Loan after Acceleratlon if Borrower meets certaln condltlons Borrower will have the right to reinstate the Loan and. have enforcement of this Security Instrument discontinued at any time up to the later of (a) five days before any foreclosure sale of the, Propérty, or (b) such other period as Applicable Law might specify for the termination of Borrower’s nght to relnstate This right to reinstate will not apply. in the case of acceleratlon under Section 19. oo To reinstate the Loan, Borrower must sahsfy all of the followmg condltrons (aa) pay Lender all sums that then would be due under this Security Instrument and the Note as. if no ‘acceleration had oceurred; (bb) cure any Default of any other covenants or agreements under this Security Instrument or the Note; {cc) pay all expenses incurred in enforcmg this Security Instrument or the Note, including, but not Irmrted 10: (1) reasonable attorneys’ fees and costs; (ii) property inspection and valuation fees; and (iii) other fees incurred o ‘protect Lender's interest in the Property and/or rights under this Security Instrument or the Note; and (dd) take such action as Lender may reasonably require to assure that Lender’s interest in.the Property and/or rights under this Security Instrument or the Note, and Borrower's obligation to pay the sums secured by this Security Instrument or the Nbte, will continue unchanged. Lender may require that Borrower pay such reinstaternent sums and expenses in one or more of the following forms, as selected by Lender: (aaa) cash; (bbb) money order; (ccc) certified check, bank check, treasurer's check, or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instru- mentality, or entity; or (ddd) Electronic Fund Transfer, Upon Borrowers reinstatement of the Loan, this Security Instrument and obligations secured by this Security Instrument will remain fully effective. as if na. 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 ctherwise transferred one or more times. Upon such a sale or other transfer all of Lender‘s rights and obllgatrons under this Security Instrurnent will convey o, Lender’s sccessors and assigns. 22, Loan Servicer, Lender. may take any action permitted under this Security Instrument through the Loan Servicer or another authonzed representative, such as a sub-servicer. Borrower understands that the Loan Servrcer or other authorized representatlve of Lender has the right and authority. to take any. such action. ; .The Loan Servicer may change one or more times dunng 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 authonty 1o: (a) collect Periodic Payments and any. other amounts due under the Note and this Secunty Instrument; (b) perform any other morigage foan servicing obhgattons and (c) exercise any rtghts under the Note, this Security Instrument, and Applicable Law on behalf of Lender. If there.is a change of the Loan Servicer, Borrower will be. given written notice of the change which will state the name and address of the new Loan Servicer, the address o which payments should be made, and any other information RESPA requrres in connection with a notice of transfer of servicing. 283. Notice of Grievance, Until Borrower or Lender has notl?ed the other party (in accordance with Sectlon 16) of an alleged breach.and afforded the other party a reasonable period after the giving of such notice fo take corrective action, neither Borrower nor Lender may commence, join, or be joined to any judicial action (either as an individual fitigant or 2 member of a class) that (a) arises from the other party’s actions pursuant to this Security Instrument or the Note, or (b) alleges that the other party has breached any provision of this Secunty Instrument or the Note. If Appllcable Law provides a time period that must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this Section 23. The notice of Default given {o Borrower pursuant fo Section 26(a) and the notice of acceleration given to Borrower pursuant fo Section 19 will be deemed to satisfy the notice and opportunity to take cormrective action provisions of this Sec?on 23. -24. .Hazardous Substances. " : -(a) Definitions. As used in this Section 24: (i ) “"nvrronmental Law" means any Appltcable Laws where the Property is located that relate to health, safety, or environmental protection; (i} “Hazardous Substances” include (A) those sub- stances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, corrosive materials or agents, and radioactive materials; (ifi) “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 anyone else to do, anything affecting the Property that: (i) violates Environmental Law; {ii) creates an Envirorimentat Condition; or (iii) 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 quanlJtles of Hazardous Substances that are generally OREGON ~ Single Family — Fannie Mae/Freddie Mac UNIFORRM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, !nc. Page 10 of 12 OR21EDEED 0322 OREDEED (GLS) 04/08/2026 02:34 PM PST LOAN #: 2611500151 recogmzed o be appropnate to normal resldentlal uses and to maintenance of the Property {including, but not limited 1o, hazardous substances in consumer products). {c) Notices; Remedial Actions. Borrower wrll promptly glve Lender wntten nouce 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 spilling,.leaking, discharge, release, or threat of release of any Hazardous Substance; and (iff) 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 nofified by any. -governmental or regulatory authority or any private party, that any removal or other remediation of any Hazardous Substance .affecting the Property is necessary, Borrower will promptly take all necessary remedial actions in accordance with Environmental Law. Nothing in this Security Instrument will create any obligation on Lender for an Envrronmental Cleanup 25. Electronic Note Signed with Borrower s Electronic Slgnature If the Note. evidencing the debt for this Loan is electronic, Borrower ac_know_ledges 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 1o sign the electronic Note using Borrower’s Electronic Signature; (c) 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 Bortower’s Electronic.Signature with the intent and understanding that by doing so, Borrower promised fo.pay the.debt evidenced by the -electrontc Note in accordance with its terms. NON-UN[EORM COVENANTS Borrower and enoer further covenant and agree as follows:. 26. Acceleratlon Bemedres . ‘ {a) Notice of Default. Lender will give a notsce of Default o Borrower pnor o accelerat\on followmg Borrowers 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: spectty in addition to any other.information required by Applicable Law: (i) the Detfautt; (i) the action required to cure the Default; (iil) 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 te assert any other defense of Borrower to acceleration and sale. - (b) Acceleratlon Power of Sale; Expenses. lf the Defauit is not cured on or before the date specified in the nofice, 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 permttted by Applicable Law. Lender will be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 26, including, but not limited to: (i) reasonable attorneys’ fees and/or 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; (i) property inspection and valuation fees; and (ifi) other fees incurred unless prohibited by Appllcable 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 Trustee to execute a written notice of the occumence.of an event of Default and of Lender’s election to cause the Property to be sold 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 Applicabie Law to Borfower and to other required recipients. At a time permitted by, and in accordance with, Applicable Law, Trustee, without further demand on Borrower, will seli the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. - (d) Trustee’s Deed; Proceeds of Sale. Trustee will delrver to the purchaser aTrustee s deed conveying the Property wnthout 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 wilt apply the proceeds of the sale in the following order, or as otherwise required by Applicable Law: (i) to all expenses of the sale, including, but not limited 1o, reasonable Trustee’s and reasonable attorneys' fees and costs; (i) to all sums secured by this Secunty Instrument; and (iii) any excess io the person or persons legally entitled to it. . 27. Reconveyance. Upon payment of all sums secured by thts Securrty lnstrument Lender will request Trustee to reconvey the Property and will surrender this Security instrument and all Notes evidencing the debt secured by this Security Instrument to Trustee. Upon such request, Trustee will reconvey the Property without warranty to the person or persons legally entitled to it. Such person or persons will pay any 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 fo 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 to any Trustee appointed under this Security Instrument. Without conveyance of the Property, the successor trustee will succeed to all the title, power, and duties conferred upon Trustee in this Security Instrument and by Applicable Law. 29, Attorneys’ and. Others’ Fees. Lender will be entitled to recover-its reasonable attorneys' and/or foreclosure ‘trustees’ fees and costs in any action or proceeding to construe or enforce any term of this Security Instrument unless prohibited or restricted by Applicable Law. The term “atiorneys’ fees,” whenever used in this Security Instrument, mcludes ,wrthout limitation attorneys’ fees mcurred by Lender in any bankruptcy or appellate proceedmg ! OREGON — Single Family — Fannie Mae/Freddie Mac UNIFORN INSTRUMENT (MERS) Form 3038 07/2021 : ICE Mortgage Technology, Inc. Page 11 of 12 OR21EDEED 0322 OREDEED (CLS) 04/08/2026 02:34 PM PST PP e N e b sty am Bamam 8w s e e e el - i T X : - LOAN #: 2611500151 30. Protecttve Advances This Security lnstrument secures any advances Lender, at its discretion, may make under . Section 9 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 agresment, Lender may purchase insurance at Borrower's expense to protect Lender's interest. This insurance may, but need not, 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 obtain " on their own and may not safisfy any need for property damage coverage or any mandatory liabifity insurance - requirements imposed by Applicable Law. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Secunty Instrument and in any Rider slgned by Borrower and recorded with it. o 4\‘ Ql Polg(sean AVENA ZAMBRANO . 1Y) DATE O?t/ 0/ 2ig (Seal) ! DATE State of Oregon County of46=AMATH— MAWIORD This record was acknowledged before me on q ‘ Q\.\Z_LO (date) by AVENA ZAMBRANO and OSCAR ZAMBRANO. Y OFFICIAL STAMP CAITLIN THOMPSON NOTARY PUBLIC - OHEGOI\,Js( COMMISSION NO. 1026358 MYCOMM\SS\ON EXPIRES JULY 20, 2026 Lender: Fairway Independent Morigage Corporation NMLS ID: 2289 Loan Originator: Carmen Babb NMLS ID: 419088 OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 12 of 12 OR21EDEED 0322 . OREDEED (CLS) 04/08/2026 02:34 PM PST - LOAN'#: 2611500151 MIN: 1003924-1121524344-8 SECOND HOME RIDER THIS SECOND HOME RIDER-is made this 8th - 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,” whether there are one or more persons undersigned) to secure Borrower's Note to Falrway tndependent Mortgage Corporation, a Corporatlon . . : : .(the “Lender”) of the same date and covering the Property descnbed in the Secunty Instrument (the “Property”), which is located at: 124357 Adell Ct, Crescent Lake, OR 97733-7001. In addition to the representations, warranties, covenants, and agreements made in the Security Instrument, Borrower and Lender furthier covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower must occupy and use the Property as Borrower’s second home. Borrower will maintain exclusive control over the occupancy of the Property, including short-term rentals, and will not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a manage- ment firm or any other person or entity any control over the occupancy or use of the Property. Borrower will keep the Property available primarily as a residence for Borrower’s personal use and enjoyment for at least one year after the date of this Security Instrument, unless Lender otherwise agrees in writing, which consent will not be unreasonably withheld, or unless extenuating circumstances exist that are beyond Borrower’s control. 8. Borrower’s Loan Application. Borrower will be in Default if, during the Loan application process, Borrower or any persons or entities acting at Bor- rower’s direction or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to pro- vide Lender with material information) in connection with the Loan, including, but not limited to, overstating Borrower’s income or assets, understating or fail- -ing to provide documentation of Borrower’s debt obligations and liabilities, and. - MULTISTATE SECOND HOME RIDER - Smgle t‘amny ~ Fannie MaelFreddle Mac UNIFORM INSTRUMENT " Form 3890 07/2021 - . 1CE Mortgage Technology, Inc. Page 10f2 F3850v21RDU 1124 F3890RLU (CLS) 04/08/2026 02:34 PM PST s e b LOAN #: 2611500151 misrepresenting Borrower’s occupancy or intended occupancy of the Property as Borrower’s second home. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenanis contained in this Second Home Rider. _ 4’ Q{ l 74 Uysean AVENA ZAMBRANO - S g CAR ZAM NO ' DATE MULTISTATE SECOND HOME RIDER — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3830 07/2021 ICE Mortgage Technology, Inc. Page 20f 2 F3890v21RDU 1124 F3890RLU (CLS) 04/08/2026 02:34 PM PST LOAN #: 2611500151 MIN: 1003924-1121524344-8 MORTGAGE ELECTRONIC REGISTRATlDN SYSTEMS INC RlDER - = i - (MERS Rider) THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (*MERS Blder”) is made this- 8th day of April, 2026, - ~ ' and is incorporated into-and ‘a@mends and supplements the Deed of Trustor Mortgage ‘Deed (the “Security Instrument®) of the same date given by the undersigned (the “Borrower;” whether there are one or more persons undersigned) to secure Borrower’s Note to Fairway Independent Mortgage Corporation, a Corporation (“Lendér”)-of the same date and covering the Property described in the Security Instru- ment, which is located at: 124357 Adell Ct, Crescent Lake, OR 97733-7001.- In addition to the representations, warranties, coveniants, and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that the Securlty Instrument is amended as follows A. DEFINITIONS P Ce S 1. The DEFINITIONS sectlon of the Securtty Insttument is amended as’ follows : “Lender” Is Farrway Independent Mortgage Corporatlon ERES Lenderis a Corporation -~ © ¢t . organiZed and existing under the laws of Texas. _ Lender’s address is 4201 Marsh Lane, Carrollton, TX'75007. s : 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 io exercise the rights, duties and obligations of Lender as Lender may from time fo time direct, including but not limited to appointing a successor trustee, assigning, or releasing, in whole or in part this Security Instrument, foreclosing or directing Trustee to institute foreclosure of this Security Instrument, or taking such other actions as Lender may deem necessary or appropriate under this Security Instrument. The term “MERS” includes any successors and assigns of MERS. This appointment will inure to and bind MERS, its successors and assigns, as well as Lender, until MERS’ Nominee interest is terminated. 2. The DEFINITIONS section of the Security Instrument is further amended to add the following definition: “Nominee” means one designated to act for another as its representative for a limited purpose. MERS RIDER ~ Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technology, inc. Page 1 of 4 F3158v21RDU 0622 . F3158RLU (CLS) 04/08/2026 02:34 PM PST LOAN #: 2611500151 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 (i) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the" County of Klamath: Lot 10, Block 10, Tract No. 1042, Two Rivers North, according to the official plat’ thereof on ?Ie in the office of the County Clerk of Klamath County, Oregon. APN #: 162512 which currently has the address of 124357 AdeII Ct Crescent Lake [Street] [Crty] OR 97733-7001 »(“Proper_ty Add_ress”); ' [State] [Zip Code] e . TOGETHER WITH aII the’ lmprovements now or subsequently erected on the property; including replacements-and additions to the imprévements 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 foregomg is referred 1o 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; Botrower’s Physical Address. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. (a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower in connection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first class mail, or MERS RIDER - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technology, Inc. Page 20f 4 : F3158v21RDU 0622 . F3158RLU (CLS) 04/08/2026 02:34 PM PST T T - LOAN #: 2611500151 (i) actually deltvered o Borrowers 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 Borroweér 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 requrrement wrll satisfy the correspondmg requrrement under this Security Instrument. - {b) Electronic Notice fo 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 io by Lender and Borrower in writing; (ii) Borrower has provided Lender with Borrower’s e-mail or other electronic address (“Electronic Address”); (iii) Lender provides Borrower with the option 1o receive notices by first class mail or by other non-Electronic Communication instéad 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 16 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 wntten notice 1o Lender of Borrower’s withdrawa! 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 uniess 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- desighate an Electrohic 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 designatéd as Notice Address: If Lender specifies - aprocedure 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 nofice 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 nofice 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 1o MERS as Nominee for Lender untilt 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 1 LT MERS RIDER Slngle Family — Fanme MaeIFreddte Mac UNIFORM INSTRUMENT . Form 3158 07/2021. ICE Mortgage Technalogy, lnc. " ‘Page 3 of 4 F3158v21RDU 0622 F3158RLU (CLS) 04/08/2026 02:34 PM PST T s Attt ek b s e et e et e smms = swan e : LOAN #: 2611500151 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 o 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 accepis and agrees to the terms and covenants contained in this MERS Rider, I 4] 4 22 o AVENA ZAMBRANO ' DATE olog/ze (Seal) T DATE MERS RIDER - Single Family — Fannie Mae/Freddie Mac UNIFCRM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technology, Inc. Page 4 of 4 F3158v21ADU 0622 F3158RLU (CLS) 04/08/2026 02:34 PM PST