2026-003524 Klamath County, Oregon 04/22/2026 08:35:02 AM Fee: $127.00 When recorded, return to: Rogue Credit Union 1370 Center Drive Medford, OR 97501 LOAN #: 6005956363 LINE OF CREDIT TRUST DEED {Securing Future Advances) THIS DEED OF TRUST is made on April 17, 2026. The grantor is CHRISTOPHER L. STONE AND JEMNNIFER A. STOME, AS TENANTS BY THE ENTIRETY. The trustes is First Amarican Data Tree. {"Trusiee’). The beneficiary is Rague Credit Union, a State Chartered Credit Union, whose address is 1370 Center Drive Medford, OR 97501 In this Deed of Trust, the 1erms “you. "your” and “yours™ refer te lhe grantor{s}. The lerms “we." *us” and "our” refer ta the beneficiary. Pursuart fo a Home Equity Line of Credit Agreement dated the same date as this Deed of Trust ("Agreement’), yau may incur mainum unpaid loan indebledness {exclusive of inerest thereon) in amounis fluctuating fram fime 1o lime up to the maximum Eincipal sum outstanding at any fime of SIXTY THREE THOUSAND AND NOMOQ® == == »*xx» X232 A S bt EL NS A A 2 oA RALE Ed b dd i bt RAA AR ltiliiiiaofiars{u.s. 5631000-00 }1 The Agreemen pravides for a final scheduled installment due and payable not fater than May 15, 2051, ‘You agree that s Deed of Trus! shall continue o secire al! sums now or hereafier advanced under the lerms of the Agreement including, without limitation, such sums that are advanced by us whether or not at 1he fime the sums are advanced there is any principal sum outsianding under the Agreement. Tha parlies hereto infend that this Deed of Trust shall secure unpaid batances. and ail other amounts due 10 us hercunder and under the Agreemeny, Tris Deed of Trust secures lo us: {a) The repayment of the debt evidanced by the Agreement, with interest, and al refinancings. @newals, exiensions and modifications of the Agreement: (b} the payment of afl cther sums, with nterest, advanced under this Deed of Trust to protect the security of this Beed of Trust; and (c) the performance of your govenants and agreements under this Deed of Trust and the Agreement. For this purpose and in censideration of the debt, yau rrevasably OR — TRUST DEED — Single Farity — HELOC - 4842-8703-3100¢2 Initialst = IGE derigage Technolagy. Ing Page 1 of 5 DML COE g5 04152028 11:43 A8 PST LOAN #: 6005956363 grant and cervey 10 the Trustee and Trusles's successors and assigns. in trust, with power of sale. the following described prapenty located in the County of Klamath Aype of Hoecording Jusigdichon] fNarme of Recording Jursdictionl LOT 18, TRACT NO. 1383, SIERRA HEIGHTS, ACCORDING TO THE QFFICIAL PLAT THEREQF ON FILE IN THE OFFICE OF THE CLERK OF KLAMATH COUNTY, OREGON, SITUATED IN THE COUNTY OF KLAMATH, STATE OF OREGON. PPN: R890333. APN #: R880333 which property is more commanly known as 7654 Andrew Dr, Klamath Falls, GR 97603-7180 (“Property Address"). TOGETHER WITH ali the improvements now ar hergafter erected an the property, and all casements, rights, appur- tenances. and fixtures rnow or hereafter a part of the property. Al replacements and additions shall also be covered by this Deed of Trust. All of the forequing is referred 1o in this Deed of Trust as the “Property” YOU COVENANT that your are lawduliy seised of the estate hereby conveyed and have the right 10 grant and convey the Progerly and thal the Praperty is unencumbered. except for encumbrances of record. You warrant and wilk defend generally the tifle to the Property against all claims and demands. subject to any encumbrances of record. YOU AND WE covenan! and agree as follows: 1. Payment of Principal, Interest and Other Charges. You shall pay when due the principal and interest owing urder the Agreemeni and all other charges due hereunder and due under ihe Agreement. including any amaurtis you are required to pay inie an scrow of impound account with us pursuant 19 Section 3. 2. Application of Payments. Unless applicable taw provides oltherwise, all payments received by us under the Agreement and Sectiars 1 shail be applied by us as provided o the Agreement, 3. Prior Deed of Trusts; Charges; Liens. You have disclosed to us and obtaired our approval of any morigage. deed of trust or other security agreemeni with a lien which has priority over this Deed of Truss. You shall perfores all of your obligations under any mortgage, deed of frust or other security instrumients wilh a lien which has pricrity over this Deed of Trugd, including your covenants to make payments when due. You shall pay all taxes, assessmenis, charges, fines and impesitions attributaile to the Property which may aftain priority over this Dead of Trus! or any advance under this Doed of Trust, and leasehold payments ar ground rents. # any. Uporns our request, you shall prampsly furnish to us all notices of amounts to be paid under this paragrapgh and receipis evidencing any such paymenis you rrake directiy. You shall prompily discharge any lien (other than a fien disclosed to us in your application or in any litle repart we obtained) which hag priority over this Deed of Trus! ar any advance under this Deed of Trust. Subject to applicable law, we may. upan notice either baiore or after the execution of this Deed of Trus!, requirg you to pay amaounts into an escrow ar impound account with us, on the day monthly payments are due under the Agreement, up to the maximum amourd permitted by law for the payment af all (a) taxes, assessments (ingluding condaminium ard planned unit developmenrd assessments, it any) and other iteras which may attain priority over this Deed of Trusl; {b} premiums ior hazard insurance and any mostgage insurance required by us under this Deed of Trust: and (¢} leasehold payments or ground rents an the Property, i any. 4. Hazard Insurance. You shall keep the Property insured against loss by fire, hazarsds included within the term “extended coverage” and any ather hazards, including fleods or flooding, for which we require insurance. This insurance shall be maintained in the amounts and for the periods that we require. You may choase any insurer reasenably accept- able ta us. Insurance poficies and renewals shall be acceplable 1o us and shall include a standard morigagee clause. if we require, you shall promptly give us all receipts of paid premiums and rerewal notices, i you fail to maintain coverage as required in this section, you autharize us to eblain such coverage as we in our sole discretion determing appropriate to protect our interest in the Properly in accordance with the provisions in Sectian 6, You undersiand and agree that any coverage we purchase may cover only our intgrest in the Property and may not cover your interest ir the: Progerty or any personal property therein. You aiso understand and agree thal the prersium for any such insurance may be higher than the gressium you would pay for such ingurance. You shall promptly notify the insurer and us of any loss. We may make prood of toss if you do not promptly do se. We may alsa, at our option and an yaur behalf, adjust and compromise any claims under the insurance, give releases or acquilances io the insurance company in connection with the setilement af any cfaim and collect and receive insur- ance proceeds. You appoint us as your atterney-in-fact 1o do all of the foregoing. which agpointment you understand and agree is trrevocable, cougled with an intaest with full power of substitution and shall not be affected by your subsequent disability ar incompeience. ~Insurance proceeds shall te applied to restore or repair ihe Property damaged, if restoration or repair is economically .?e_asible and our security weuld not be fessened. Qtherwise, insurance proceeds shal be applied to sums secured by this Deed of Trust, whether ar nat then dug. with any excess paid to you. If yau ahandon the Property, or do not answer within 30 days afer we give nolice to you that the insurer has offered to setile a claim, then we may cofect and use the praceeds to repair or restore the Property or 1o pay sums secured by this Deed of Trust, whether ar not then due. Aay application of proceeds io principal shalt not reguire us io extend or postpane the due date of monihly payments or change the amount of monthly payments. If we acquire the Property al a forced sale following your default, your right fo H . j ‘:l—_. QR - TRUST DEED ~ Single Family — HELOC = £849-86703-3 180w Initials: | G - 'CE Morsgage Technalogy. Ire Page 2 0f 5 ORUfLEDE os1a GHLCAGDE (CLS; CAFISIZ0Z6 1143 A PST LOAMN #: 6005956363 any insurance groceeds resulling from damage to the Property prior to the acnuisition shalf pass to us to the extent of the sums secured by this Deed of Trust immediately priar to the acquisition. You shalt not permit any conditicn to exist on the Property which would. in any way, invalidate the insurance coverage o {ke Property 5. Preservation, Maintenance and Protection of the Property; Loan Application; Leaseholds. You shall not destroy, damage or substantially chiange the Property. allow the Property to deteriorate, or commit waste. You shall be in default if any forfeiture action or proceeding, whether civit or criminal, is begun that in our good faith judgment could result in forfeilure of the Property or oiherwise materially impair the lien created by this Deed of Trust or our security inferest. You may cure such a default, as provided in Section 17, by causing the action or proceeding 0 be dismissed with a ruling 1hat, in our good taith determination. precludes forleiture of your inferest in the Properly ar ather matersial impairmen of the: lign created by this Deed of Trust or aur security interest. You shall also be in default if you, during the loan application process. gave materially false or inaccurate information or statements ta us {or lailed to provide us with any malerial information) in connection with the loan evidenced by the Agreement, including. but not lirmited ., repre- sertations concerning your occupancy of the Property as & pringipal residence. if this Deed of Trust is ane a leasehold, yau shall comply with the lgase. You shall not surtender the leasehold estate and interests herein conveyed or lerminate or cancel the ground lease. You shati not, without our express weitlen consent, alter or amend the graund lease. If you acquire fee tithe 10 the Property. the leaschold and fee title shall not merge unless we agree to the merger in writing. 6. Protection of Our Rights in the Property; Morigage Insurance. If you fail to parform the covenants and agree- menis contained in this Deed of Trusi, or there is a legal proceeding that may significantly affect our righls in the Property {such as a proceeding in hankruptey, prabate, for condemration of forfeiiure or to endorce laws or regulations), then we ray do. and pay for. anything necessary to protect the Property's value and our rights in the Property. Our aclions may include paving any sums secured by a lien which has priority over this Deed of Trust ar over any advance under the Agreemend ar this Deed of Trust, appearing in court. paying reasonable attorney’s fees, paying any sums which you are raquired to pay under this Deed of Trust and entering on the Property to make repairs. We do nol have to take any aclion we are permitied 1o take under this Seclion: and amounts we pay under 1his Section shall becorme additonal debis you owe us and shall be secured by this Deed of Trust. These amcunts shall bear interest from the disbursement date at the rale established under the Agreement and shall be payable, wilh interest, upan our request. If we required martgage insurance as a condition of making the toan secured by this Deed of Trust, you shall pay the premiums for such insurance urtil such time as the requitement for the insurance terminates. 7 Inspection. We may enter and inspec the Property at any reasonatle time and upon reasonabie notice, 8. Condemnation. The proceeds of any award for damages. direct or consequential, in connection with any con- demnation or ather taking of any part of the Property, or for conveyance ir fieu of condemnation, are hereby assigned and shall be paid fo us. IF the Property is abandoned, or if, afier notice by us 1o you that the candemnar offers to make an award or setile a claim far damages, you fail 1o respond to us within 30 days after the date the nolice is given. we are authorized to collect and apply the proceeds, at aur aption, either fo restoration or repair of the Properly ar 1o the sums secured by this Ceed of Trust. whether or not then due. Unless we and you oihenvise agree in writing, any applicaticn ot proceeds to principal shall nol exiend or pestpone the due dale of the monthly payments payable under the Agreement and Section 1 or change the amount of such paymeris. 9. No Release Upon Extengion or Medification. Our granting of ary extension of time: for payment of our agree- mment te modify the terms of repayment of the cbligations under the Agrzeement or the requirements in this Dleed of Trust shall not eperate o release you rom your obligations or liahility under the Agreement or this Deed of Trust. 10. Successors and Assigng Bound; Joint and Several Liability; Co-gignars. The covenans and agreements of this Deed of Trust shall bind and benefit your successors and permitted assigns. Your covenants and agreements shall be joint and several. Anyone who co-signs tis Deed of Trust but does not execute 1he Agreament: {a} is co-signing this Deed of Trust only to mortgage, grant and convey such person's interest in the Praperty; {b} is not personally obligated 1o pay the Agresment, but is obligated to pay all cther sums secured by this Deed of Trus!: and {ci agrees that we and anyone edse wha signs this Deed of Trust may agree to extend, modity, forbear or make any accommadations regarding the terms of this Deed of Trust or the Agreement without such: person’s consent. 11. Loan Charges. If the loan secured by 1his Deed of Trus! is subject to & law which sets maximum loan charges, and that law is finally inlerpreded so that the intesest or ather loan charges coilected ar to be collected in connection with the toan exceed tha permifted limits, then: (a} any such loan chasge shall be reduced by the amount necessary to reciice the charge to the permitted limit; and (D} any sums already coliected from you which exceed permitied limits wist be refunded 1o you. We may choose to make this refund by reducing the principal cwed under the Agreement or by mak- ing a direct payment to you. If a refund reduces principal, the reduction will be treated as a partial prepaymaent withou any prepayment charge under the Agreement. 12. Notices. Uniass atherwise required by [aw, any notice 1o you provided for in this Deed af Trust shall bo defivered or mailed by first class mail to the Property Address or any other address you designate by notice o us, and any nolice 1o us shall be delivered or rnailed by first class mail 1o our address stated above or any olher address we designaie by nolice to you. 13. Governing Law; Severability, The extension of credit securad by this Deed of Trust is governed by fedaral law, which for the purpases of 12 USC § 85 incorparates Delaware law. However, the interpretation ang entorcement of this Deexi of Trust shall be governed by the law of the jurisdiction in which the Properly is tocated, except as preemptad by federal law In the event that any provision or clause of this Deed of Trust or the Agreement conflicts with applicable law. such contlict shall not affect other provisions of this Deed of Trust or the Agreement which can be given effect without the corflicing provisior. To this ond the provisions of this Deed of Trust and the Agreement are declared to be severable. 14, Transler of the Property. If all or any part of the Preperty or any interest in it is sold or Iransferred without our prior writter: consent, we may. at our oplien, requirg immediale payment in full of alf sums secured by 1his Deed of Trust. ;‘0‘-‘-’19‘-*91’, thig option shall not be exercised by us if exercise is prohibited by federal law as of the date of this Deed of rugl. 15. Bale of Agreement; Change of Loan Servicer. The Agreament or a partial inierest in the Agreemen? {togsther with this Deed of Trust) may be sold one or more tmes without prior natice 1o you. & sale may result in a change in the entity (known as the "Loan Servicer’) that collects manthiy payments due under the Agreement and this Deed of Trust. There alza may be one or more changes of the Loan Servicer unrelated to the sale of the Agreement. If there is a change af the L.oan Servicer, you will be given writen notice of the change as required by applicable law. The notice will state the name and address of the new Loan Servicer and the address 1o which payrmenis should be made. The nofice wilf alsa contain any aiformation required by applicable law. A QR < TRUST DEED ~ Single Family — HELOC - 4845-8703-1190u2 iCE Marlgage Tschrclogy, Inc. Page 3of 5 LOAN #: 6005956363 16. Hazardous Substances. You shalf nat cause or permit the presence, use, disposal, starage. or release of any Hazardous Subsiances on gr in the Praperty. Yau shall not do, nor allow anyone else to do, anything affecting the Prap- erty that is in viclation of any Environmental Law. The preceding iwoe sentences shad nat apply 1o the presence, use, or storage on the Property of Hazardous Substances in quantities that are generally recagnized to be appropriate to normal residertial uses and ta maintenance of the Pragerty You shall promplly give us written nadice of any investigation, claim, demand, lawsuit or olher action by any governmental or regulatory agency or privale parly invalving the Property and any Hazardous Substance or Environmental Law of which yau have aclual knowledge. If you learn ar are natified by any government or regulatory autharity. that any removal or other remediation of any Hazardous Substance affecting the Praperty is necessary, you shall promptly take ali necessary remedial actions in accardance with Ervironmental Law. As used in this Deed of Trust, “Hazardous Substances” are these substances defined as toxic or hazardous substances by Environmental Law and the fallpwing substances: gasaling, kerosene, other flammable o toxic petroleum products, toxic pesticides ard herbicides, volatile solvents, malerials containing asbestos or formaldehyde, and radicaclive malerials, As used in this Deed of Trust, “Environmental Law™ means federal laws and laws af the jurisdiction where the Praperty i3 lacaled that refate 1o health, safely or environmental protection. 17 Acceleration; Remedies. You will be In default if {1) any payment required by the Agreement or this Deed of Trust is not made when it is due; (2) we discover that you have committed fraud or made a material misrepresenta- tion in connection with the Agreement; or (3] your action, or your failure to act, adversely affects our security for the Agreement or any right we have in the froperty. If 2 default occurs, we wilt give you notiee specifying: (a) the default; (b) the action required to cure the default; (c} a date, not less than 30 days from the date the notice ig glven to you, by which the defauit must ke cured; and (d} that failure ta cure the default on or before the date specified in the notice may resuit in aceeleration of the sums secured by this Deed of Trust and sale of the Praperty. The notice shall further inform you of the right to reinstate aftar acceleration and the right to bring a court action to assert the nanexistence of a default or any other defense you may have ta acceleration and sale. if the default is not cured on or before the date specified in the notice, we, at our aption, may require immediate payment in full of all sums secured by this Deed of Trust without further demand and may invoke the power of sale and other remedies permitied by applicable law. We shall be entitied to collect all expenses incurred in pursuing remedies provided in this Section 17 including, but not timited to, reasonable attorneys' tees as permitted by applicable law. If we invake the power of sale, we shall execute or cause Trustee 1o execute & written notice of the occurrence of an event of default and of our election to cause the Property to be sold. Trustee shall cause this notice ta be recorded in each county in which any part of the Property is located. We or the Trustee shall mail copies of the notice as prescribed by applicable law to you and to the other persons prescribed by applicable law. Trustee shall give public notice of sale to the persons and in the manner prescribed by applicable law. After the time requirad by applicable law, Trustee, without demand on you, shall sell the Property at public auction ta the highest bidder at the time and place and under the terms designated in the notice of sale in one ar more parcels and in any arder 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. We or our designee may purchase the Property at any sale. Trustee shall deliver te the purchaser Trustee's deed conveying the Property without any covenant or warranty, expressed ar implied. The recitals in the Trustee's deed shall be conclusive evidence of the truth of the statements made therein, unless otherwise provided by applicable law. Trustee shall apply the proceeds of the sale in the following order: {(a} to all expenses of the sale, including, but not limited to, reasonable Trustee's and attorneys’ fees, as set forth above; (b) 1o all zums secured by this Deed of Trust; and {¢} any excess to the person or parsons legally entitled to it. 18. Reconveyance. Uoan your requast that wa terminate the Agreemernt secured by this Deed of Teust and payment of all sums secured by this Deed of Trast, we shall request Truslee 1 recanvey Lhe Properly and shall surrender this Deed of Trust and all nofes or agreements evidencing debt secured by this Deed of Trust to Trustee. Trustee shall reconvey the Praperty wilhout warranty and without charge 1o the person or persons legally entiiled ta it. Such person or persans shall pay any recordation £osis, 19. Substitute Trustee. We may, at our ogtior, from time Yo time appoint a successer rustee 1o any Trustee appainted hereunder. Without conveyance of the Property. the successar trustee shall succzed (o all the title, powers and duties conferred upon the Truslee heresn and by applicable law. This procedure for subsiitution of trustee shall govern to the exclusion of ak other provisions far subslitution. 20. Attorney's Fees. As used in this Deed of Trust and in the Note. “attorneys’ fees” shall include any attorneys’ fees awarded by an appeliate court. 21. Discontinuance of Enforcement. Notwithstanding our acceleralion of the sums secured by this Deed of Trus! under the provisions of Seclion 17, we may, in our sofe discretion and upon such conditions as we in aur sole discretion determine. discontinue any proceedings begun to enforeg the terms of 1his Deed of Trust 22, Waiver. Mo waiver by us at any time af any lerm, provision or covenant corained in this Deed of Trust orin the Agreement secured hereby shall be deemed 10 be or construed as a waiver of any other term, provision or covenant or of the same term, provision or covenaent at any other time. 23. Additional Charges. You agree 1o pay reasonabic charges as allowed by law in connection with the servicing of thig lean including. withaut limitation, {he costs of obtaining tax searches and subardinations, provided, however, that nothing comained in this section is intended to ¢reate and shall not be censtrued to create any duty or abligation by us ta perform any such act, or 10 execute or consent to any such transaction or matter, except a release of the Deed of Trust upar: full repayrent of all sums secured thareby. 24, WARNING. Unless you provide us with evidence of the ingurance coverage as required by our contract or loan agreement, we may purchase Insurance at your expense to protect our interest. This insurance may, hut need not, also protect your interest. If the collateral becomes damaged., the coverage we purchase may not pay any claim you make or any claim made agalnst yau. You may later cancel this coverage by providing evidence that you have obtained property coverage elsewhere. You are regpansible for the cost of any insurance purchased by us. The cost of this insurance may be added to your contract or lcan balance. If the cost is added te your contract or toan balance, the interest rate on the underlying contract or loan will apply ta this added amount. The effective date of coverage may be the date your prior coverage lapsed or the date you failed to provide proof of coverage. The coverage we purchase may be considerably more expensive than insurance you can obtain an your awn and may not satisfy any need for property damage coverage or any mandatory liability insurance requrre-ments imposed by applicable law. —— Of — TRUST DEED « Singis Family = HELOG — 4849-A753-2190v2 Initials: Luo: w7 CE Mortgage Technalogy. I Page 4 of 5 QRUSTCDE us19 GHLG 19DE (CLS) CH167Z025 11:43 AN PST LOAN #: 6005856363 25. Protective Advances. This Dead of Trust secures any advances we. at our discretion, may make under Section B of this Deed of Trusi to protect our inferest in the Propeny and rights under this Deed of Trust. 26. Riders to this Deed of Trust. If one or more riders ate executed by you and recorded logether with this Deed of Trusl, the covenants and agraements of each such rider shail e ingorporated imto and shall amend and supplement the covenants and agreements of this Deed of Trust as if the ridens) were a part of this Deed of Trust. [Check applicable box{es)] L} Condominium Rider __ 1-4 Family Rider Planned Unil Develspment Rider ¥ Otherts} {specify} Home Equity Line of Credit Adjustabte Rate Rider BY SIGNING BELOW, You accap! and agree o the terms and covenanis contained in this Deed of Trust and in any rider(s) execuled by you and recorded with il. JENNIFER A STONE State of Oregon County of KLAMATH FALLS This record was acknowledged before me on Ay T, 202 e {date} by CHRISTOPHER L STONE and JENNIFER A STONE. N ' JFRian §TRRP $HZi A 2t BERGLOFF 5T IARY UBLL - BREGOH . COMMISSION ND. 1054147 Notary Publie, ~ = MY COMMSEON DaSRES DECEWSER 03, 2023 State of Ty A0S A Lender: Rogue Credit Union NMLS ID: 776623 Loan Originator: Alex Robles NMLS ID: 2613060 S OR - TRUST DEED — Sirgle Family — HELOE — 4943 8705.3150+2 Initiais; .~ —-— ICE Morigage Technolagy. Ing Paae 50f5 QRUHLCDE 0619 GHLC1B0E {CLS) D€15i2026 +1.43 Al FST LOAN #: 6005956363 HOME EQUITY LINE OF CREDIT ADJUSTABLE RATE RIDER (W54 Prime Rate (daily) - Rate Caps) THIS HOME EQUITY LINE OF CREDIT ADJUSTABLE RATE RIDER is made this 17th day of April, 2026 and is incorporated into and amends and supplements the Mortgage. Open-End Mortgage, Deed of Trust, Open-End Deed of Trust, or Security Deed (the “Security Instrument”) of the same date given by the undersigned (the ‘Borrower”) to secure Borrower's Home Equity Line of Credit Agreement (the “Agreement’} to Rogue Credit Union, a State Chartered Credit Union (the “Lender”) of the same date and covering the property described in the Security Instrument and located at: THE AGREEMENT CONTAINS PROVISIONS ALLOWING FOR A CHANGE IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE AGREEMENT LIMITS THE AMOUNT THE BORROWER’S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MINIMUM AND MAXIMUM RATES THE BORROWER MUST PAY. ADDITIONAL 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. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Agreement provides for monthly payments as defined in Agreement Section 7. Minimum Payments {"Monthly Payment"} and an initial interest rate of 6.740%. The Agreement provides for changes in the interest rate and the Monthly Payments as follows: 3. LENGTH OF YOUR DRAW PERIOD AND REPAYMENT PERICD. You may take Advances for a period of 120 Monthly Statement Periods after the date your Credit Account is opened ("Draw Period"). After the Draw Period, unless extended, you may not take further Advances. Your principal balance will then be fixed and you will be required to repay it and any interest and other charges which accrue over the next 180 Monthly Statement Periods ("Repayment Period"). The last day of the Repayment Period will be May 15, 2051 ("Maturity Date™). You must pay all sums owed on the Maturity Date in full. A Monthly Statement Period is an interval of approximately one month beginning on the date your Credit Account is opened and recurring regularly until your Credit Account is finally closed. Monthly Statement Periods occur regardless of whether there is a balance or any activity in your Credit Account or whether we have sent g S S INTIALS] [