2026-003655

Klamath County, Oregon
04/27/2026 08:39:02 AM
Fee: $252.00

After Recording Return To: .
Rocket Moxrtgage, LLC
1050 Woodward Ave
Detroit, MI 48226-1906
(313) 373-0000

Until a change is requested all tax
statements shall be sent to the
following address:

Rocket Mortgage, LLC
1050 Woodward Ave
Detroit,MI 48226-1906

Consideration: $95,300.00

Grantor(s):
Elizabeth Brew, an unmarried woman and Christopher R. Brew, a married man

2560 Springwood Dr
Chiloquin, OR 97624-9733
Grantee:

Rocket Mortgage, LLC
1050 Woodward Ave
Detroit, MI 48226-1906

[Space Above This Line For Recording Data]

DEED OF TRUST
Mortgage Electronic Registration Systems, Inc. Brew
is the Nominee of Lender Loan#: 3583889532
PO Box 2026 MIN: 100039035838895323

Flint, MI 48501-2026 MERS Phone: 1-888-679~6377
‘ PIN: 237345

DEFINITIONS

Words used in multiple sections of this document are defined below and other words arc defined under the
caption TRANSFER OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25.
Certain rules regarding the usage of words used in this document are also provided in Section 17.

Parties

(A) "Borrower" is Elizabeth Brew, an unmarried woman and Christopher R. Brew,
a married man, cwrently residing at 2560 Springwood Dr, Chiloguin, OR 97624-9733
USA. Borrower is the grantor under this Security Instrument.

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(B) "Lender" is Rocket Mortgage, LLC.LenderisaLimited Liability Company organized
and existing under the laws of the State of Michigan. Lender's address is 1050 Woodward
Ave, Detroit, MI 48226-1906. Lender is the beneficiary under this Security Instrument. The tern
"Lender" includes any successors and assigns of Lender.

(C) "Trustee" is Firat American Title Insurance Company. Trustee's address is 1 First
American Way, Santa Ana, CA 92707. The term "Trustee" includes any substitute/successor Trustee.
(D) "MERS" is the Mortgage Electronic Registration Systems, Inc. Lender has appointed MERS as the
nominee for Lender for this Loan, and attached a MERS Rider to this Security Instrument, to be executed by
Borrower, which further describes the relationship between Lender and MERS, and which is incorporated
into and amends and supplements this Security Instrument.

Documents

(E) "Note' means the promissory note dated April 20, 2026, and signed by each Borrower who is
legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's
written pen and ink signature, or (ii) electronic form, using Borrower's adopted Elcctronic Signature in
accordance with the UETA or E-SIGN, as applicable. The Note cvidences the legal obligation of cach
Borrower who signed the Note to pay Lender Ninety-Five Thousand Three Hundred And
00/100 Dollars (U.S. $95,300.00) plus interest. Each Borrower who signed the Note has promised to
pay this debt in regular monthly payments and to pay the debt in full not later than May 1, 2053,

(F) "Riders" mcans all Riders to this Security Instrument that are signed by Borrower. All such Riders arc
incorporated into and deemed to be a part of this Security Instrument. The following Riders arc to be signed
by Borrower [check box as applicable]:

[0 Adjustable Rate Rider O Condominium Rider MERS Rider

O 1-4 Family Rider X Planned Unit Development Rider Other(s) [specify]

[J Second Home Rider Manufactured Home
Rider

(G) "Security Instrument" means this document, which is dated April 20, 2026, together with all
Riders to this document.

Additional Definitions

(1) "Applicable Law" mcans 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.

(1) "Community Association Dues, Fees, and Assessments" means all dues, fees, asscssments, and other
charges that arc imposed on Borrower or the Property by a condominium association, homeowners
association, or similar organization.

(J) "Default" means: (i) the failure to pay any Periodic Payment or any other amount securcd by this
Sccurity Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation,
or agrecment in this Security Instrument; (iii) any materially false, mislcading, or inaccurate information or
statement to Lender provided by Borrower or any persons or entities acting at Borrower's direction or with

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Borrower's knowledge or consent, or failure to provide Lender with material information in connection with
the Loan, as described in Section §; or (iv) any action or proceeding described in Section 12(e).

(K) "Electronic Fund Transfer" means any transfer of funds, other than a transaction originated by check,
draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument,
computer, or maguetic tape so as to order, instruct, or authorize a financial institution to debit or credit an
account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine
transactions, transfers initiated by telephone or other electronic device capable of communicating with such
financial institution, wire transfers, and antomated clearinghouse transfers.

(L) "Electronic Signature" means an "Electronic Signature" as defined in the UETA or E-SIGN, as
applicable.

(M) "E-SIGN" means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et
seq.), as it may be amended from time to time, or any applicable additional or successor legislation that
governs the same subject matter.

(N) "Escrow Items" means: (i) taxes and assessments and other items that can attain priority over this
Security Instrament as a lien or encumbrance on the Property; (ii) leasehold payments or ground rents on the
Property, if any; (iii) premiums for any and all insurance required by Lender under Section 5; (iv) Mortgage
Insurance premiums, if any, or any suins payable by Borrower to Leader in lieu of the payment of Mortgage
Insurance premiums in accordance with the provisions of Section 11; and (v) Community Association Dues,
Fees, and Assessments if Lender requires that they be escrowed beginning at Loan closing or at any time
during the Loan term.

(0) "Loan" means the debt obligation evidenced by the Note, plus interest, any prepayment charges, costs,
expenses, and late charges due under the Note, and all sums due under this Security Instrument, plus interest.
(P) "Loan Servicer" means the entity that has the contractual right to receive Borrower's Periodic Payments
and any other payments made by Borrower, and administers the Loan on behalf of Lender. Loan Servicer
does not include a sub-servicer, which is an entity that may service the Loan on behalf of the Loan Servicer.
(Q) "Miscellaneous Proceeds™ means any compensation, settlement, award of damages, or proceeds paid
by any third party (other than insurance proceeds paid under the coverages described in Section 3) for: (i)
damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property;
(iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or
condition of the Property.

(R) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or Default on,
the Loan.

(S) "Partial Payment" means any payment by Borrower, other than a voluntary prepayment permitted
under the 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 (ii) any amounts under Section 3.

(U) "Property" means the property described below under the heading "TRANSFER OF RIGHTS IN THE
PROPERTY."

(V) "Rents" means all amounts received by or due Borrower in connection with the lease, use, and/or
occupancy of the Property by a party other than Borrower.

(W) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 ef seq.) and its
implementing regulation, Regulation X (12 C.F.R. Part 1024), as they may be amended from time to time, or
any additional or successor federal legislation or regulation that governs the same subject matter. When used

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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
modifications of the Note, and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee. in
trust, with power of sale, the following described property located in the COUNTY of Klamath:

See Exhibit "A"- Legal Description Hereto and Made a Part Hereof. Subject
to Covenants of Record.

which currently has the address of 2560 Springwood Dr, Chiloquin, Oregon 97624-9733
("Property Address");

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, appurtenances, royalties, mineral rights, oil or gas rights or profits, water rights, and
fixtures now or subsequently a part of the property. All of the foregoing is referred to in this Security
Instrument as the "Property."

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 estate; (ii) Borrower has the right to grant and
convey the Property or Borrower's leasehold interest in the Property; and (iii) the Property is unencumbered,
and not subject to any other ownership interest in the Property, except for encumbrances and ownership
interests of record. Borrower warrants generally the title to the Property and covenants and agrees to defend
the title to the Property against all claims and demands, subject to any encumbrances and ownership interests
of record as of Loan closing.

THIS SECURITY INSTRUMENT combines uniform covenants for national use with limited
variations and non-uniform covenants that reflect specific Oregon state requircments 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 Ttems, 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

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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, ov entity; or () Electronic Fund
Transfer.

Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 16.
Lender may accept or return any Partial Payments in its sole discretion pursuant to Section 2.

Any offset or claim that Borrower may have now or in the future against Lender will not relieve
Borrower from making the full amount of all payments due under the Note and this Security Instrument or
performing the covenants and agreements secured by this Security Instrument.

2. Acceptance and Application of Payments or Proceeds.

(a) Acceptance and Application of Partial Payments. Lender may accept and either apply or hold
in suspense Partial Payments in its sole discretion in accordance with this Section 2. Lender is not obligated
to accept any Partial Payments or to apply any Partial Payments at the time such payments are accepted, and
also is not obligated to pay interest on such unapplied funds. Lender may hold such unapplied funds until
Borrower makes payment sufficient to cover a full Periodic Payment, at which time the amount of the full
Periodic Payment will be applied 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 carlier, Partial Payments will be credited against the total amount due under the
Loan in calculating the amount due in connection with any foreclosure proceeding, payoff request, loan
modification, or reinstatement. Lender may accept any payment insufficient to bring the Loan current
without waiver of any rights under this Security Instrument or prejudice to its rights to refusc 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 applics a payment, such payment will be applied to cach Periodic
Payment in the order in which it became due, beginning with the oldest outstanding Periodic Payment, as
follows: first to interest and then to principal duc under the Note, and finally to Escrow Items. 1f all
outstanding Periodic Payments then due are paid in full, any payment amounts remaining may be applicd 1o
late charges and to any amounts then due under this Security Instrument. 1f all sums then due under the Note
and this Security Instrument are paid in full, any remaining payment amount may be applied, in Lender's sole
discretion, to a future Periodic Payment or to reduce the principal balance of the Note.

If Lender receives a payment from Borrower in the amount of one or more Periodic Payments and
the amount of any late charge due for a 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.

(c) Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note.

(d) No Change to Payment Schedule. Any application of payments, insurance procceds, or
Miscellaneous Proceeds to principal due undcer the Note will not extend or postpone the duc date, or change
the amount, of the Periodic Payments.

3. Funds for Escrow ltems.

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(a) Escrow Requirement; Escrow Items. Borrower must pay to Lender on the day Periodic
Payments are due under the Nofe, until the Note is paid in full, a sum of money to provide for payment of
amounts due for all Escrow Items (the "Funds"). The amount of the Funds required to be paid each month
may change during the term of the Loan. Borrower must promptly furnish to. Lender all notices or invoices of
amounts to be paid under this Section 3.

(b) Payment of Funds; Waiver. Borrower must pay Lender the Funds for Escrow Items unless
Lender waives this obligation in writing. Lender may waive this obligation for any Escrow [tem at any time.
In the event of such waiver, Borrower must pay directly, when and where payable, the amounts due for any
Escrow Items subject to the waiver. If Lender has waived the requirement to pay Lender the Funds for any or
all Escrow Items, Lender may require Borrower to provide proof of direct payment of those items within
such time period as Lender may require. Borrower's obligation to make such timely payments and to provide
proof of payment is deemed to be a covenant and agreement of Borrower under this Security Instrument. If
Borrower is obligated to pay Escrow Items directly pursuant to a waiver, and Borrower fails to pay timely the
amount due for an Escrow Item, 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 Items 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
Items, and in such amounts, that are then required under this Section 3.

(¢) Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in
an amount up to, but not in excess of, the maximum amount a lender can require under RESPA. Lender will
estimate the amount of Funds due in accordance with Applicable Law.

The Funds will be held in an institution whose deposits are insured by a U.S. federal agency,
instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in
any Federal Home Loan Bank. Lender will apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (ii)
annually analyzing the cscrow account; or (iii) verifying the Escrow Items, unless Lender pays Borrower
interest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and
Borrower agree in writing or Applicable Law requires interest to be paid on the Funds, Lender will not be
required to pay Borrower any intercst or earnings on the Funds. Lender will give to Borrower, without
charge, an annual accounting of the Funds as requirecd 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 Bscrow Items. 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 sccured by this Security Instrument, Lender will promptly rcfund
to Borrower any Funds held by Lender.

4. Charges; Liens. Borrower must pay (a) all taxcs, asscssments, charges, fines, and impositions
attributablc to the Property which have priority or may attain priority over this Security Instrument, (b)
leasehold payments or ground rents on the Property, if any, and (c) Community Association Dues, Fees, and
Assessments, if any. If any of these items are Escrow [tems, Borrower will pay them in the manner provided
in Section 3.

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Borrower must promptly discharge any licn that has priority or may attain priority over this Sccurity
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 (cc) secures from the holder of
the lien an agreement satisfactory to Lender that subordinates the lien to this Security Instrument
(collectively, the "Required Actions"). If Lender determines that any part of the Property is subject to a lien
that has priority or may attain priority over this Security Instrument and Borrower has not taken any of the
Required Actions in regard to such lien, Lender may give Borrower a notice identifying the lien. Within 10
days after the date on which that notice is given, Borrower must satisfy the lien or take one or more of the
Required Actions.

5. Property Insurance.

(a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or
subsequently erected on the Property insured against loss by fire, hazards included within the term "extended
coverage." and any other hazards including, but not limited to, carthquakes, winds, and floods, for which
Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts
(including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the
preceding sentences can change during the term of the Loan, and may exceed any minimum coverage
required by Applicable Law. Borrower may choosc the insurance carrier providing the insurance, subject to
Lender's right to disapprove Borrower's choice, which right will not be exercised unrcasonably.

(b) Failure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has
failed to maintain any of the required insurance coverages described above, Lender may obtain insurance
coverage, at Lender's option and at Borrower's expense. Unless required by Applicable Law, Lender is under
no obligation to advance premiums for, or to scek to reinstate, any prior lapsed coverage obtained by
Borrower. Lender is under no obligation to purchase any particular type or amount of coverage and may
sclect the provider of such insurance in its sole discretion. Before purchasing 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, against any risk,
hazard, or liability and might provide greater or lesser coverage than was previously in effect, but not
exceeding the coverage required under Section 5(a). Borrower acknowledges that the cost of the insurance
coverage so obtained may significantly exceed the cost of insurance that Borrower could have obtained. Any
amounts disbursed by Lender for costs associated with reinstating Borrower's insurance policy or with
placing new insurance under this Section 5 will become additional debt of Borrower secured by this Security
Instrument. These amounts will bear interest at the Note rate from the date of disbursement and will be
payable, with such interest, upon notice from Lender to Borrower requesting payment.

(c) Insurance Policies. All insurance policies required by Lender and renewals of such policies: (i)
will be subject to Lender's right to disapprove such policies; (ii) must include a standard mortgage clause;
and (iii) must name Lender as mortgagee and/or as an additional loss payee. Lender will have the right to
hold the policies and renewal certificates. If Lender requires, Borrower will promptly give to Lender proof of
paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise
required by Lender, for damage to, or destruction of, the Property, such policy must include a standard
mortgage clause and must name Lender as mortgagee and/or as an additional loss payee.

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(d) Proof of Loss; Application of Proceeds. In the event of loss, Borrower must give prompt
notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by
Borrower. Any insurance proceeds, whether or not the underlying insurance was required by Lender, will be
applied to restoration or repair of the Property, if Lender deems the restoration or repair to be economically
feasible and determines that Lender's security will not be lessened by such restoration or repair.

If the Property is to be repaired or restored, Lender will disburse from the insurance proceeds any
initial amounts that are necessary to begin the repair or restoration, subject to any restrictions applicable to
Lender. During the subsequent repair and restoration period, Lender will have the right to hold such
insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been
completed to Lender's satisfaction (which may include satisfying Lender's minimum eligibility requirements
for persons repairing the Property, including, but not limited to, licensing, bond, and insurance requirements)
provided that such inspection must be undertaken promptly. Lender may disburse proceeds for the repairs
and restoration in a single payment or in a series of progress payments as the work is completed, 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. Lender will not be required to pay Borrower any interest or earnings
on such insurance procecds unless Lender and Borrower agree in writing or Applicable Law requires
otherwisc. Fees for public adjusters, or other third partics, retained by Borrower will not be paid out of the
insurance proceeds and will be the solc obligation of Borrower.

If Lender deems the restoration or repair not to be cconomically feasible or Lender's security would
be Iessencd by such restoration or repair, the insurance proceeds will be applied to the sums secured by this
Sceurity 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).

() Insurance Settlements; Assignment of Proceeds. [f Borrower abandons the Property, Lender
may filc, ncgotiate, and scttle any available insurance claim and related matters. If Borrower docs not
respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then
Lender may negotiate and settle the claim. The 30-day period will begin when the notice is given. In cither
cvent, or if Lender acquires the Property under Section 26 or otherwise, Borrower is unconditionally
assigning to Lender (i) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts
unpaid under the Note and this Security Instrument, and (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 settles 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 Borrower's principal
residence within 60 days after the execution of this Security Instrument and must continue to occupy the
Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent will not be unreasonably withheld, or unless extenuating
circumstances exist that are beyond Borrower's control.

7. Preservation, Maintenance, and Protection of the Property; Inspections. Borrower will not
destroy, damage, or impair the Property, allow the Property to deteriorate, or commit waste on the Property.

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Whether or not Borrower is residing in the Property, Borrower must maintain the Property in order to prevent
the Property from deteriorating or decreasing in value due to its condition. Unless Lender determines
pursuant to Section 5 that repair or restoration is not economically feasible, Borrower will promptly repair
the Property if damaged to avoid further deterioration or damage.

If insurance or condemnation proceeds are paid to Lender in connection with damage to, or the
taking of, the Property, Borrower will be responsible for repairing or restoring the Property only if Lender
has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration in a
single payment or in a series of progress payments as the work is completed, depending on the size of the
repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan.
Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property,
or payable jointly to both. If the insurance or condemnation proceeds are not sufficient to repair or restore the
Property, Borrower remains obligated to complete such repair or restoration.

Lender may make reasonable entries upon and inspections of the Property. If Lender has reasonable
cause, Lender may inspect the interior of the improvements on the Property. Lender will give Borrower
notice at the time of or prior to such an interior inspection specifying such reasonable cause.

8. Borrower's Loan Application. Borrower will be in Default if, during the Loan application
process, Borrower or any persons or entities acting at Borrower's direction or with Borrower's knowledge or
consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to
provide Lender with material information) in connection with the Loan, including, but not limited to,
overstating Borrower's income or assets, understating or failing to provide documentation of Borrower's debt
obligations and liabilitics, and misrepresenting Borrower's occupancy or intended occupancy of the Property
as Borrower's principal residence.

9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.

(a) Protection of Lender's 1nterest. If: (i) Borrower fails 1o perform the covenants and agreements
contained in this Security Instrument; (ii) there is a legal proceeding or government order that might
significantly af(ect Lender's interest in the Property and/or rights under this Security Instrument (such as a
procceding in bankruptey, probate, for condemnation or forfeiture, for enforcement of a lien that has priority
or may attain priority over this Security Instrument, or to enforce laws or regulations); or (iii) Leader
reasonably belicves 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 Sceurity
Instrument, including protecting and/or asscssing the value of the Property, and securing and/or repairing the
Property. Lender's actions may include, but are not limited to: (I) paying any suins sccured by a lien that has
priority or may attain priority over this Security Instrument; (II) appearing in court; and (IIT) paying: (A)
reasonable attorneys' fees and costs; (B) property inspection and valuation fees; and (C) other fees incurred
for the purpose of protecting Lender's interest in the Property and/or rights under this Security Instrument,
including its secured position in a bankruptey proceeding. Securing the Property includes, but is not limited
to, exierior and interior inspections of the Property, entering the Property to make repairs, changing locks,
replacing or boarding up doors and windows, draining water {rom pipes, eliminating building or other code
violations or dangerous conditions, and having utilities turned on or off. Although Lender may take action
under this Section 9, Lender is not required to do so and is not under any duty or obligation to do so. Lender
will not be liable for not taking any or all actions authorized under this Section 9.

(b) Avoiding Foreclosure; Mitigating Losses. If Borrower is in Default, Lender may work with
Borrower to avoid foreclosure and/or mitigate Lender's potential losses, but is not obligated to do so unless
required by Applicable Law. Lender may take reasonable actions to evaluate Borrower for available
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alternatives to foreclosure, including, but not limited to, obtaining credit reports, title reports, title insurance,
property valuations, subordination agreements, and third-party approvals. Borrower authorizes and consents
to these actions. Any costs associated with such loss mitigation activities may be paid by Lender and
recovered from Borrower as described below in Section 9(c), unless prohibited by Applicable Law.

(c) Additional Amounts Secured. Any amounts disbursed by Lender under this Section 9 will
become additional debt of Borrower secured by this Security Instrument. These amounts may bear interest at
the Note rate from the date of disbursement and will be payable, with such interest, upon notice from Lender
to Borrower requesting payment.

(d) Leasehold Terms. If this Security Instrument is on a leasehold, Borrower will comply with all
the provisions of the lease. Borrower will not swrrender the leasehold estate and interests conveyed or
terminate or cancel the ground lease. Borrower will not, without the express written consent of Lender, alter
or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title will
not merge unless Lender agrees to the merger in writing.

10. Assignment of Rents.

(a) Assignment of Rents. If the Property is leased to, used by or occupied by a third party
("Tenant"), Borrower is unconditionally assigning and transferring to Lender any Rents, regardless of to
whom the Rents are payable. Borrower authorizes Lender 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 (ii) Lender has given notice to the Tenant that the Rents are to
be paid to Lender. This Section 10 constitutes an absolute assignment and not an assignment for additional
security only.

(b) Notice of Default. If Lender gives notice of Default to Borrower: (i) all Rents received by
Borrower must be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums
secured by the Security Instrument; (ii) Lender will be entitled to collect and receive all of the Rents; (iii)
Borrower agrees to instruct each Tenant that Tenant is to pay all Rents due and unpaid to Lender upon
Lender's written demand to the Tenant; (iv) Borrower will ensure that each Tenant pays all Rents due to
Lender and will take whatever action is necessary to collect such Rents if not paid to Lender; (v) unless
Applicable Law provides otherwise, all Rents collected by Lender will be applied first to the costs of taking
control of and managing the Property and collecting the Rents, including, but not limited to, reasonable
attorneys' fees and costs, receiver's fees, premiums on receiver's bonds, repair and maintenance costs,
insurance premiums, taxcs, assessments, and other charges on the Property, and then to any other sums
sccured by this Security Instrument; (vi) Lender, or any judicially appointed receiver, will be liable to
account for only those Rents actually received; and (vii) Lender will be entitled to have a receiver appointed
to 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 secured by this Security Instrument pursuant to Section 9.

(d) Limitation on Collection of Rents. Borrower may not collect any of the Rents more than éne
month in advance of the time when the Rents become due, except for security or similar deposits.

(e) No Other Assignment of Rents. Borrower represents, warrants, covenants, and agrees that
Borrower has not signed any prior agsignment 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

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rights under this Security Instrament.

(f) Control and Maintenance of the Property. Unless requircd by Applicable Law, Lender, or a
receiver appointed under Applicable Law, is not obligated to enter upon, take control of, or maintain the
Property before or after giving notice of Default to Borrower. Flowever, Lender, or a receiver appointed
under Applicable Law, may do so at any time when Borrower is in Default, subject to Applicable Law.

(g) Additional Provisions. Any application of the Rents will not cure or waive any Default or
invalidate any other right or remedy of Lender. This Section 10 does not relieve Borrower of Borrower's
obligations under Section 6.

This Section 10 will terminate when all the sums secured by this Security Instrument are paid in
full.

11. Mortgage Insurance.

(a) Payment of Preminms; Substitution of Policy; Loss Reserve; Protection of Lender. If
Lender required Mortgage Insurance as a condition of making the Loan, Borrower will pay the premiums
required to maintain the Mortgage Insurance in cffect. 1f Borrower was required to make separately
designated payments toward the premiums for Mortgage Insurance, and (i) the Mortgage Insurance coverage
required by Lender ceases for any reason to be available from the mortgage insurer that previously provided
such insurance, or (ii) Lender determines in its sole discretion that such mortgage insurer is no longer eligible
to provide the Mortgage Insurance coverage required by Lender, Borrower will pay the premiums required to
obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost
substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an
alternate mortgage insurer selected by Lender.

If substantially equivalent Mortgage Insurance coverage is not available, Borrower will continue to
pay to Lender the amount of the separately designated payments that were due when the insurance coverage
ceased to be in effect. Lender will accept, use, and retain these payments as a non-refundable loss reserve in
licu of Mortgage Insurance. Such loss reserve will be non-refundable, even when the Loan is paid in full, and
Lender will not be required to pay Borrower any interest or earnings on such loss reserve.

Lender will no longer require loss reserve payments if Mortgage Insurance coverage (in the amount
and for the period that Lender requires) provided by an insurer selected by Lender again becomes available,
is obtained, and Lender requires separately designated payments toward the premiums for Mortgage
Insurance.

If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was
required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower
will pay the premiums required to maintain Mortgage Insurance in effect. or to provide a non-refundable loss
reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any writien agreement
between Borrower and Lender providing for such termination or until termination is required by Applicable
Law. Nothing in this Section 11 affects Borrower's obligation to pay intcrest at the Note rate.

(b) Mortgage Insurance Agreements, Mortgage Insurance reimburses Lender for certain losses
Lender may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage
Insurance policy or coverage.

Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their rigk, or reduce losses. These agreements
may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may
have available (which may include funds obtained from Mortgage Insurance premiums).

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As a result of these agreements, Lender, another insurer, any reinsurer, any other entity, or any
affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be
characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or
modifying the mortgage insurer’s risk, or reducing losses. Any such agreements will not: (i) affect the
amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan; (ii)
increase the amount Borrower will owe for Mortgage Insurance; (iii) entitle Borrower 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 ef seq.), as it may be amended from time to time, or any additional
or successor federal legislation or regulation that governs the same subject matter ("HPA™). These rights
under the HPA may include the right to receive certain disclosures, to request and obtain cancellation of the
Mortgage Insurance, 1o have the Mortgage Insurance terminated automatically, and/or to receive a refund of
any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination.

12. Assignment and Application of Miscellaneous Proceeds; Forfeiture.

(a) Assignment of Miscellaneous Proceeds. Borrower is unconditionally assigning the right to
receive all Miscellaneouns Proceeds to Lender and agrees that such amounts will be paid to Lender.

(b) Application of Miscellaneous Proceeds upon Damage to Property. If the Property is
damaged, any Miscellaneous Proceeds will be applied to restoration or repair of the Property, if Lender
deems the restoration or repair to be economically feasible and Lender's security will not be lessened by such
restoration or repair. During such repair and restoration period, Lender will have the right to hold such
Miscellaneous Proceeds until Lender has had an opportunity to inspect the Property to ensure the work has
been completed to Lender's satisfaction (which may include satisfying Lender's minimum eligibility
requirements for persons repairing the Property, including, but not limited to, licensing, boud, and insurance
requirements) provided that such inspection must be undertaken promptly. Lender may pay for the repairs
and restoration in a single disbursement or in a serics 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 divectly to Borrower, to the person repairing or
restoring the Property, or payable jointly to both. Unless Lender and Borrower agree in writing or Applicable
Law requires interest to be paid on such Miscellancous Proceeds, Lender will not be required to pay
Borrower any interest or earnings on such Miscellaneous Proceeds. If Lender deems the restoration or repair
not to be economically feasible or Lender's security would be lessened by such restoration or repair, the
Miscellaneous Proceeds will be applied to the sums secured by this Security Instrument, whether or not then
due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds will be applied in the order that
Partial Payments are applied in Section 2(b).

(¢) Application of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss in Value
of the Property. 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 value of the Property immediately before the Partial Devaluation is
equal to or greater than the amount of the sums secured by this Security Instrument immediately before the
Partial Devaluation, a percentage of the Miscellaneous Proceeds will be applied to the sums secured by this
Security Tnstrument 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

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Miscellaneous Proceeds by a percentage calculated by taking (i) the total amount of the sums secured
immediately before the Partial Devaluation, and dividing it by (ii) 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 value of the Property immediately before
the Partial Devaluation is less than the amount of the sums secured immediately before the Partial
Devaluation, all of the Miscellaneous Proceeds will be applied to the sums secured by this Security
Instrument, whether or not the sums are then due, unless Borrower and Lender otherwise agree in writing.

(d) Settlement of Claims. Lender is authorized to collect and apply the Miscellaneous Proceeds
either to the sums secured by this Security Instrument, whether or not then due, or to restoration or repair of
the Property, if Borrower (i) abandons the Property, or (i1) 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 Miscellancous Proceeds
or the party against whom Borrower has a right of action in regard to the Miscellaneous Proceeds.

(e) Proceeding Affecting Lender's Interest in the Property. Borrower will be in Default if any
action or proceeding begins, whether civil or criminal, that, in Lender's Jjudgment, could result in forfeiture of
the Property or other matcrial impairment 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 forfeiture of the Property or other material impairment of Lender's interest in the Property or ri ghts
under this Security Instrument. Borrower is unconditionally 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 to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property
will be applicd in the order that Partial Payments arc applied in Section 2(b).

13. Borrower Not Released; Forbearance by Lender Not a Waiver. Borrower or any Successor
in Interest of Borrower will not be relcased from liability under this Security Instrument if Lender extends the
time for payment or modifics the amortization of the sums secured by this Security Instrument. Lender will
not be required to commence proceedings against any Successor in Intercst of Borrower, or to refuse to
extend time for payment or otherwise modify amortization of the sums secured by this Sccurity 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 liability under this Security Instrument will be joint and several. However, any Borrower who
signs this Security Instrument but does not sign the Note: (a) signs this Security Instrument to mortgage,
grant, and convey such Borrower's interest in the Property under the terms of this Security Instrument; (b)
signs this Security Instrument to waive any applicable inchoate rights such as dower and curtesy and any
available homestead exemptions; (c) 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 duc
under the Note or this Security Instrument; and (¢) 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.

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Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes
Borrower's obligations under this Security Instrument in writing, and is approved by Lender, will obtain all
of Borrower's rights, obligations, and benefits under this Security Instrument. Borrower will not be released
from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release
in writing.

15. Loan Charges.

(a) Tax and Flood Determination Fees. Lender may require Borrower to pay (i) a onc-time charge
for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, and (ii)
either (A) a one-time charge for flood zone determination, certification, and tracking services, or (B) a one-
time charge for flood zone determination and certification services and subsequent charges each time
remappings or similar changes occur that reasonably might affect such determination or certification.
Borrower will also be responsible for the payment of any fees imposed by the Federal Emergency
Management Agency, or any successor agency, at any time during the Loan term, in connection with any
flood zone determinations.

(b) Default Charges. If permitted under Applicable Law, Lender may charge Borrower fees for
services performed in connection with Borrower's Default to protect Lender’s interest in the Property and
rights under this Security Instrument, including: (i) reasonable attorneys' fees and costs; (ii) property
inspection, valuation, mediation, and loss mitigation fees; and (iif) other related fees.

(¢) Permissibility of Fees. In regard to any other fees, the absence of express authority in this
Security Instrument to charge a specific fee to Borrower should not be construed as a prohibition on the
charging of such fee. Lender may not charge fees that are expressly prohibited by this Security Instrument or
by Applicable Law.

(d) Savings Clause. If Applicable Law sets maximum loan charges, and that law is finally
interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan
exceed the permitted limits, then (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 principal, the
reduction will be treated as a partial prepayment without any prepayment charge (whether or not a
prepayment charge is provided for under the Note). To the extent permitted by Applicable Law, Borrower's
acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of
action Borrower might have arising out of such overcharge.

16. Notices; Borrower's Physical Address. All notices given by Borrower or Lender in connection
with this Security Instrument must be in writing.

(a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to
Borrower in connection with this Sccurity Instrument will be deemed to have been given to Borrower when
(i) mailed by first class mail, or (ii) actually delivered to Borrower's Notice Address (as defined in Scetion
16(c) below) if sent by mcans other than first class mail or Electronic Communication (as dcfined in Scction
16(b) below). Notice to any onc Borrower will constitute notice to all Borrowers unless Applicable Law
expressly requires otherwise. If any notice to Borrower required by this Sccurity Instrument is also required
under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this
Security Instrament.

(b) Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law,

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Lender may provide notice to Borrower by e-mail or other electronic communication ("Electlronic
Communication") if: (i) agreed to by Lender and Borrower in writing; (ii) Borrower has provided Lender
with Borrower's e-mail or other electronic address ("Electronic Address"); (iii) Lender provides Borrower
with the option to receive notices by first class mail or by other non-Electronic Communication instead of by
Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any notice to
Borrower sent by Electronic Communication in connection with this Security Instrument will be deemed to
have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. If
Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will
resend such communication to Borrower by first class mail or by other non-Electronic Communication.
Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by
providing written notice to Lender of Borrower's withdrawal of such agreement.

(¢) Borrower's Notice Address. The address to which Lender will send Borrower notice ("Notice
Address") will be the Property Address unless Borrower has designated a different address by written notice
to Lender. If Lender and Borrower have agreed that notice may be given by Electronic Communication, then
Borrower may designate an Elcctronic Address as Notice Address. Borrower will promptly notify Lender of
Borrower's change of Notice Address, including any changes to Borrower's Electronic Address if designated
as Notice Address. If Lender specifies a procedure for reporting Borrower's change of Notice Address, then
Borrower will report a change of Notice Address only through that specificd procedure.

(d) Notices to Lender. Any notice to Lender will be given by delivering it or by mailing it by first
class mail to Lender's address stated in this Security Instrument unless Lender has designated another address
(including an Electronic Address) by notice to Borrower. Any notice in conncction with this Sccurity
Instrument will be deemed to have been given to Lender only when actually received by Lender at Lender's
designated address (which may include an Electronic Address). If any notice to Lender required by this
Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the
corresponding requirement under this Security Instrument.

(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.

17. Governing Law; Severability; Rules of Construction. This Sccurity Instrument is governed
by federal law and the law of the State of Oregon. All tights and obligations contained in this Security
Instrument are subject to any requirements and limitations 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 (ii) such conflicting provision, to the extent possible, will be considered modified to comply with
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or il
might be silent, but such silence should not be construed as a prohibition against agreement by contract. Any
action required under this Security Instrument to be made in accordance with Applicable Law is to be made
in accordance with the Applicable Law in effect at the time the action is undertaken.

As used in this Security Insttument: (a) words in the singular will mean and include the plural and
vice versa; (b) the word "may" gives sole discretion without any obligation to take any action; (c) any
reference to "Section” in this document refers to Sections contained in this Security Instrument unless
otherwise noted; and (d) the headings and captions are inserted for convenience of reference and do not
define, limit, or describe the scope or intent of this Security Instrument or any particular Section, paragraph,
or provision.

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18. Borrower's Copy. One Borrower will be given one copy of the Note and of this Scourity
Instrument.

19. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Scction
19 only, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not
limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales
contract, or escrow agreement, the intent of which is the transfer of title by Borrower to a purchaser a( a
future date.

If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower
is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
writlen consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, Lender will not exercise this option if such exercise is prohibited by Applicable Law.

If Lender exercises this option, Lender will give Borrower notice of acceleration. The notice will
provide a period of not less than 30 days from the date the notice is given in accordance with Section 16
within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these
sums priot 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 attomeys' fees and costs; (b)
property inspection and valuation fees; and (¢) other fees incurred to protect Lender's Interest in the Property
and/or rights under this Security Instrument.

20. Borrower's Right to Reinstate the Loan after Acceleration. If Borrower meets certain
conditions, Borrower will have the right to reinstate the Loan and have enforcement of this Security
Instrument discontinued at any time up to the later of (a) five days before any foreclosure sale of the
Property, or (b) such other period as Applicable Law might specify for the termination of Borrower's right to
reinstate. This right to reinstate will not apply in the case of acceleration under Section 19.

To reinstate the Loan, Borrower must satisty all of the following conditions: (aa) pay Lender all
sums that then would be due under this Security Instrument and the Note as if no acceleration had occurred;
(bb) cure any Default of any other covenants or agreements under this Security Instrument or the Note; (cc)
pay all expenses incurred in enforcing this Security Instrument or the Note, including, but not limited to: (i)
reasonable attorneys' fees and costs; (ii) property inspection and valuation fees; and (iii) other fees incurred
to protect Lender's interest in the Property and/or rights under this Security Instrument or the Note; and (dd)
take such action as Lender may reasonably require 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
Sccurity Instrument or the Note, will continue unchanged.

Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the
following forms, as selccted 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 whosc deposits arc
insured by a U.S. federal agency, instrumentality, or cntity; or (ddd) Electronic Fund Transfer. Upon
Borrower's reinstatement of the Loan, this Security Instrument and obligations secured by this Security
Instrument will remain fully effective as if no acceleration had occurred.

21. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument,
may be sold or otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender's
rights and obligations under this Security Instrument will convey to Lender's successors and assigns.

22. Loan Servicer. Lender may take any action permitted uader this Security Instrument through

Rocket Mortgage, LLC (NMLS #:3030)|Rocket Mortgage, LLC (NMLS #: 3030) | George A Anoid (NMLS #:
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the Loan Servicer or another authorized representative, such as a sub-servicer. Borrower understands that the
Loan Servicer or other authorized representative of Lender has the right and authority to take any such
action.

The Loan Servicer may change one or more times during the term of the Note. The Loan Servicer
may or may not be the holder of the Note. The Loan Servicer has the right and authority to: (a) collect
Periodic Payments and any other amounts due under the Note and this Security Instrument; (b) perform any
other mortgage loan servicing obligations; and (c) exercise any rights under the Note, this Security
Instrument, and Applicable Law on behalf of Lender. If there is a change of the Loan Servicer, Borrower will
be given written notice of the change which will state the name and address of the new Loan Servicer, the
address to which payments should be made, and any other information RESPA requires in connection with a
notice of transfer of servicing.

23. Notice of Grievance. Until Borrower or Lender has notified the other party (in accordance with
Section 16) of an alleged breach and afforded the other party a reagonable period after the giving of such
notice to take corrective action, neither Borrower nor Lender may commence, join, or be joined to any
Judicial action (either as an individual litigant or a member of a class) that (a) arises from the other party's
actions pursuant to this Security Instrument or the Note, or (b) alleges that the other party has breached any
provision of this Security Instrument or the Note. If Applicable Law provides a time period that must elapse
before certain action can be taken, that time period will be deemed to be reasonable for purposcs of this
Secction 23. The notice of Default given to Borrower pursuant to Scction 26(a) and the notice of acceleration
given to Borrower pursuant to Section 19 will be deemed to satisfy the notice and opportunity to take
corrective action provisions of this Section 23.

24. Hazardous Substances.

(2) Definitions. As used in this Section 24: (i) "Environmental Law" means any Applicable Laws
where the Property is located that relate to health, safety, or cnvironmental protection; (ii) "Hazardous
Substances" include (A) those substances defined as toxic or hazardous substances, pollutants, or wastes by
Environmental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic
petroleum produets, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or
formaldchyde, corrosive materials or agents, and radioactive materials; (iii) "Environmental Clcanup”
includes any response action, remedial action, or removal action, as defined in Environmental Law; and @v)
an "Environmental Condition" means a condition that can cause, confribute 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 Environmental 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 quantities of Hazardous Substances that are generally recognized to be
appropriate to normal residential uses and to maintenance of the Property (including, but not limited to,
hazardous substances in consumer products).

(¢) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (i) any
investigation, claim, demand, lawsuit, or other action by any governmental or regulatory agency or private
party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has
actual knowledge; (ii) any Environmental Condition, including but not limited to, any spilling, leaking,
Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #: 3030) | George A Anoid (NMLS #
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discharge, release, or threat of release of any Hazardous Substance; and (iii) any condition caused by the
presence, use, or release of a Hazardous Substance that adversely affects the value of the Property. If
Borrower learns, or is notified by any governmental or regulatory authority or any private party, that any
removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower will
promptly take all necessary remedial actions in accordance with Environmental Law. Nothing in this Security
Instrument will create any obligation on Lender for an Envirommental Cleanup.

25. Electronic Note Signed with Borrower's Electronic Signature. If the Note evidencing the
debt for this Loan is electronic, Borrower acknowledges and represents to Lender that Borrower: (a)
expressly consented and intended to sign the electronic Note using an Electronic Signature adopted by
Borrower ("Borrower's Electronic Signature™) instead of si gning a paper Note with Borrower's written pen
and ink signature; (b) did not withdraw Borrower's express consent to sign the electronic Note using
Borrower's Electronic Signature; (¢) understood that by signing the electronic Note using Borrower's
Electronic Signature, Borrower promised to pay the debt evidenced by the electronic Note in accordance with
its terms; and (d) signed the electronic Note with Borrower's Electronic Signature with the intent and
understanding that by doing so, Borrower promised to pay the debt evidenced by the clectronic Note in
accordance with its terms.

NON-UNIFORM COVENANTS. Botrower and Lender further covenant and agree as follows:

26. Acceleration; Remedies.

(a) Notice of Default. Lender will give a notice of Default to Borrower priot to acceleration
following Borrower's Default, except that such notice of Default will not be sent when Lender excrcises its
right under Section 19 unless Applicable Law provides otherwise. The notice will specify, in addition to any
other information required by Applicable Law: (i) the Default; (ii) the action required to curc the Default:
(iif) a date, not less than 30 days (or as otherwise speciflicd by Applicable Law) from the date the notice is
given to Borrower, by which the Default must be cured; (iv) that failure to cure the Default on or before the
date specified in the notice may result in acceleration of the sums secured by this Security Instrument and
sale of the Property; (v) Borrower's right to reinstate after acceleration; and (vi) Borrower's right to bring a
court action to deny the existence of a Default or to assert any other defense of Borrower to acceleration and
sale.

(b) Acceleration; Power of Sale; Expenses. If the Default is not cured on or before the date
specified in the notice, Lender may require immediate payment in full of all sums secured by this Security
Instrument without further demand and may invoke the power of sale and any other remedies permitted by
Applicable Law. Lender will be entitled to collect all expenses incurred in pursuing the remedies provided in
this Section 26, including, but not limited to: (1) reasonable attorneys' fees and/or trustees’ fees and costs and
other fees and costs associated with the enforcement of this Security Instrument, including but not limited to,
foreclosure trustee's and sheriff's fees and costs, and title costs; (ii) property inspection and valuation fees;
and (iii) other fees incurred unless prohibited by Applicable Law for the purpose of protecting 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 occurrence 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 Applicable
Law to Borrower and to other required recipients. At a time permitted by, and in accordance with, Applicable

Rocket Mortgage, LLC (NMLS#: 3030)|Rocket Mortgage, LLC(NMLS#: 3030)|George A Anoid (NMLS
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Law, Trustee, without further demand on Borrower, will sell the Property at public auction to the highest
bidder at the time and place and under the terms designated in the notice of sale in one or more parcels and in
any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public
announcement at the time and place of any previously scheduled sale. Lender or its desi gnee may purchase
the Property at any sale.

(d) Trustee's Deed; Proceeds of Sale. Trustee will deliver to the purchaser a Trustee's deed
conveying the Property without any covenant or warranty, expressed or implied. The recitals in the Trustee's
deed will be prima facie evidence of the truth of the statements made in that deed. Trustee will apply the
proceeds of the sale in the following order, or as otherwise required by Applicable Law: (i) to all expenses of
the sale, including, but not limited to, reasonable Trustee's and reasonable attorneys' fees and costs; (ii) to all
sums secured by this Security Instrument; and (iii) any excess to the person or persons tegally entitled (o it.

27. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender will
request Trustee to reconvey the Property and will surrender this Security Instrument and all Notes evidencing
the debt secured by this Security Instrument to Trustee. Upon such request, Trustee will reconvey the
Property without warranty to the person or persons legally entitled to it. Such person or persons will pay any
recordation costs associated with such reconveyance. Lender may charge such person or persons a fee for
reconveying the Property, but only if the fee is paid to a third party (such as the Trustee) for services
rendered and the charging of the fee is permitted under Applicable Law.

28. Substitute Trustee. Lender may, from time to time, by itself or through the Loan Servicer, or
any other duly appointed agent or nominee of Lender, remove Trustee and appoint a successor trustee 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 attorncys' and/or
foreclosure trustecs' fees and costs in any action or proceeding to construc or enforce any term of this
Security Instrument unless prohibited or restricted by Applicable Law. The term "attorneys' fees," whenever
used in this Sccurity lnstrument, includes without limitation attorneys' fecs incurred by Lender in any
bankruptcy or appellate proceeding.

30. Protective Advances. This Security Instrument securcs any advances Lender, at its discretion,
may make under Scetion 9 to protect Lender's interest in the Property and rights under this Sccurity
Instrument.

31. Required Evidence of Property Insurance.

WARNING
Unless Borrower provides Lender with evidence of the insurance coverage as
required by this contract or loan agreement, Lender may purchase insurance at Borrower's
cxpense 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 cvidence that Borrower has obtained property

coverage clsewhere.

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. 1 the cost
is added to this contract or Borrower's loan balance, the interest rate on the underlying

Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC(NMLS#: 3030)|George A Anoid (NMLS #:
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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 satisfy any need for property
damage coverage or any mandatory liability insurance requirements imposed by Applicable
Law.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this
Security Instrument and in any Rider signed by Borrower and recorded with it.

4309

- BORROWER - Elizabeth Brew - DATE -

"o/

istopher R. Brew - DATE -

Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #:3030) | George A Anoid (NMLS #
1689921)

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[Space Below This Line for Acknowledgment]

State of Oregon
County of Klamath

This record was acknowledged before me on April 20, 2026 by Elizabeth Brew, asg an
individual; and Christopher R. Brew, ag an individual.

Notary Public
'b ° 0 My Commission Expires: T e
TRACY LYNNSEGURA Y I IANUARY 28 2039
NOTARY PUBLIC- OREGON  §

COMMISSION NO. 1056417 ) .
MY COMMISSION EXPIRES JANUARY 26, 2020 {f .
S5

SR S S S ST S SESESaY

Individual Loan Originator: George A Anoid, NMLSR ID: 1689921
Loan Originator Organization: Rocket Mortgage, LLC, NMLSR ID: 3030

Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #:3030) | George A Ancid (NMLS #:
1689921)

OREGON--Singlc Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021
EX] 25316.9 Page 21 of 21

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PLANNED UNIT DEVELOPMENT RIDER

Brew
Loan#: 3583889532
MIN: 100039035838895323

THIS PLANNED UNIT DEVELOPMENT RIDER is made this 20th day of April,
2026, and is incorporated into and amends and supplements the Mortgage, Mortgage Deed, Deed
of Trust, or Security Deed (the "Security Instrument") of the same date, given by the undersigned
(the "Borrower") to sccure Borrower's Note to Rocket Mortgage, LLC, (the "Lender") of the
same date and covering the Property described in the Security Instrument and located at:

2560 Springwood Dr, Chiloquin, OR 97624-9733
[Property Address] ‘
The Property includes, but is not limited to, a parcel of land improved with a dwelling, together
with other such parcels and certain common areas and facilities, as described in THE
COVENANTS, CONDITIONS AND RESTRICTIONS FILED OF RECORD THAT AFFECT
THE PROPERTY (the "Declaration"). The Property is a part of a planned unit development known
as
Oregon Shores Unit #2
[Name of Planned Unit Development]

(the "PUD"). The Property also includes Borrower's interest in the homeowners association or
equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners
Association") and the uses, benefits, and proceeds of Borrower's interest.

PUD COVENANTS. In addition to the representations, warranties, covenants, and

Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS# 303 0)| George A Anoid (NMLS #:
1689921)

MULTISTATE PUD RIDER- Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
E& 25439.6 Form 3150 07/2021

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agreements made in the Sceurity Instrument, Borrower and Lender further covenant and agrec as
follows: ‘

A. PUD Obligations. Borrower will perform all of Borrower's obligations under
the PUD's Constituent Documents. The "Constitucnt Documents” arc the: (i) Declaration;
(ii) articles of incorporation, trust instrument, or any equivalent document which creates
the Owners Association; and (iii) any by-laws or other rules or regulations of the Owners
Association. Borrower will promptly pay, when due, all dues and assessments imposed
pursuant to the Constituent Documents.

B. Property Insurance. So long as the Owners Association maintains, with a
generally accepted insurance carrier, a "master” or "blanket" policy insuring the Property
which is satisfactory to Lender and which provides insurance coverage in the amounts
(including deductible levels), for the periods, and against loss by fire, hazards included
within the term "extended coverage," and any other hazards, including, but not limited to,
carthquakes, winds, and floods, for which Lender requires insurance, then (i) Lender
waives the provision in Section 3 for the portion of the Periodic Payment made to Lender
consisting of the yearly premium installments for property insurance on the Property, and
(i) Borrower's obligation under Section 5 to maintain property insurance coverage on the
Property is deemed satisfied to the extent that the required coverage is provided by the
Owners Association policy.

What Lender requires as a condition of this waiver can change during the term of
the loan.

Borrower will give Lender prompt notice of any lapse in required property
insurance coverage provided by the master or blanket policy.

In the event of a distribution of property insurance proceeds in lieu of restoration
or repair following a loss to the Property, or to common areas and facilitics of the PUD,
any procecds payable to Borrower arc hereby assigned and will be paid to Lender. Lender
will apply the proceeds to the sums secured by the Security Instrument, whether or not then
due, with the excess, if any, paid to Borrower.

C. Public Liability Insurance. Borrower will take such actions as may be
reasonable to insure that the Owners Association maintains a public liability insurance
policy acceptable in form, amount, and extent of coverage to Lender.

D. Condemnation. The proceeds of any award or claim for damages, direct or
conscquential, payable to Borrower in connection with any condemnation or other taking
of all or any part of the Property or the common arcas and facilitics of the PUD, or for any
conveyance in lieu of condemnation, are hereby assigned and will be paid to Lender. Such
proceeds will be applied by Lender to the sums secured by the Security Instrument as
provided in Section 12.

E. Lender's Prior Consent. Borrower will not, except after notice to Lender and

Rocket Mortgage, LLC (NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #: 3030) | George A Anoid (NMLS #:
1689921)

MULTISTATE PUD RIDER- Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
EX 25439.6 Form 3150 07/2021

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with Lender's prior written consent, cither partition or subdivide the Property or conscnt to:
(i) the abandonment or termination of the PUD, except for abandonment or termination
required by law in the case of substantial destruction by fire or other casualty or in the case
of a taking by condemnation or eminent domain; (ii) any amendment to any provision of
the Constituent Documents unless the provision is for the express benefit of Lender; (iii)
termination of professional management and assumption of self-management of the
Owners Association; or (iv) any action which would have the cffect of rendering the public
liability insurance coverage maintained by the Owners Association unacceptable to Lender.

F. Remedies. If Borrower does not pay PUD dues and assessments when due, then
Lender may pay them. Any amounts disbursed by Lender under this paragraph F will
become additional debt of Borrower secured by the Security Instrument. Unlcss Borrower
and Lender agree to other terms of payment, these amounts will bear interest from the date
of disbursement at the Note rate and will be payable, with interest, upon notice from
Lender to Borrower requesting payment,

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

I oo

- BORROWER - Elizabeth Brew - DATE -

Brew - DATE -

.

Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #: 3030) | George A Anocid (NMLS #:
1689921)

MULTISTATE PUD RIDER- Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
EXl 25439.6 Form 3150 07/2021

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Q10358388953200202000265e32beafd-fd6c-4e24-bb93-32¢155023e 10303

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER
(MERS Rider)
Brew v

Loan#: 3583889532
MIN: 100039035838895323

THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER ("MERS
Rider") is made this 20th day of April, 2026, and is incorporated into and amends and
supplements the Deed of Trust or Mortgage Deed (the "Security Instrument") of the same date
given by the undersigned (the "Borrower," whether there are one or more persons undersigned) to
secure Borrower's Note to Rocket Mortgage, LLC ("Lender") of the same date and covering
the Property described in the Security Instrument, which is located at:

2560 Springwood Dr, Chiloquin, OR 97624-9733
[Property Address]

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

A. DEFINITIONS

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

Rocket Mortgage, LLC(NMLS# 3030)|Rocket Mortgage, LLC (NMLS# 3030)|CGeorge A Anoid (NMLS #
1689921)
MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT

Form 3158 07/202!

CEX 25444.4 Page 1 of 6

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"Lender" is Rocket Mortgage, LLC.LenderisaLimited Liability
Company organized and existing under the laws of the State of Michigan.
Lender's address is 1050 Woodward Ave, Detroit, MI 48226-1906. 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, MI 48501-2026, tel. (888) 679-MERS. MERS is
appointed as the Nominee for Lender to exercise the rights, duties, and obligations of
Lender as Lender may from time to time direct, including but not limited to appointing a
successor trustee, assigning, or releasing, in whole or in part this Security Instrument,
foreclosing or directing Trustee to institute foreclosure of this Security Instrument, or
taking such other actions as Lender may deem necessary or appropriate under this Security
Instrument. The term "MERS" includes any successors and assigns of MERS. This
appointment will inure to and bind MERS, its successors and assigns, as well as Lender,
until MERS' Nominee interest is terminated.

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

"Nominee" means one designated to act for another as its representative for a
limited purpose.

B. TRANSFER OF RIGHTS IN THE PROPERTY

The TRANSFER OF RIGHTS IN THE PROPERTY section of the Security Instrument is
amended to read as follows:

This Security Instrument secures to Lender (i) the repayment of the Loan, and all
renewals, extensions, and modifications of the Note, and (ii) the performance of Borrower's
covenants and agreements under this Security Instrument and the Note. For this purpose,
Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the
following described property located in the COUNTY [Type of Recording Jurisdiction] of
Klamath [Name of Recording Jurisdiction]:

See Exhibit "A"- Legal Description Hereto and Made a Part
Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC(NMLS# 3030)|George A Anoid (NMLS #:

1689921)
MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT

Form 3158 07/2021
EXl 25444.4 Page 2 of 6

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Hereof. Subject to Covenants of Record.
which currently has the address of 2560 Springwood Dr, Chiloguin, OR
97624-9733 ("Property Address");

TOGETHER WITH all the improvements now or subscquently erccted on the
property, including replacements and additions to the improvements on such property, all
property rights, including, without limitation, all easements, appurtenances, royalties,
mineral rights, oil or gas rights or profits, water rights, and fixtures now or subsequently a
part of the property. All of the foregoing is referred to in this Security Instrument as the
"Property."

Lender, as the beneficiary under this Security Instrument, designates MERS as the
Nominee for Lender. Any notice required by Applicable Law or this Security Instrument 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 Nominee for Lender, has
the right to exercisc any or all interests granted by Borrower to Lender, including, but not
limited to, the right to forcclose and sell the Property; and to take any action required of
Lender including, but not limited to, assigning and releasing this Security Instrument, and
substituting a successor trustee.

C. NOTICES; BORROWER'S PHYSICAL ADDRESS
Section 16 of the Security Instrument is amended to read as follows:

16. Notices; Borrower's Physical Address. All notices given by Borrower or
Lender in connection with this Security Instrument must be in writing,

(a) Notices to Borrower. Unless Applicable Law requires a differcnt 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 (ii) actually delivered
to Borrower's Notice Address (as defined in Section 16(c) below) if sent by means other
than first class mail or Electronic Communication (as defined in Section 16(b) below).
Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law
cxpressly requires otherwisc. If any notice to Borrower required by this Security
Instrument is also required under Applicable Law, the Applicable Law requirement will
satisfy the corresponding requirement under this Sccurity Instrument.

(b) Electronic Notice to Borrower. Unless another delivery method is required by
Applicable Law, Lender may provide notice to Borrower by e-mail or other clectronic
comununication ("Electronic Communication") if: (i) agreed to by Lender and Borrower in
writing; (ii) Borrower has provided Lender with Borrower's e-mail or other electronic
address ("Electronic Address"); (iii) Lender provides Borrower with the option to receive

Rocket Mortgage, LLC(NMLS#:3030)|Rocket Mortgage, LLC(NMLS#: 3030)|George A Anoid (NMLS#
1689921)
MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT

Form 3158 07/2021
EX 25444.4 Page 3 0f 6

I Dt i AR R e el I

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notices by first class mail or by other non-Electronic Communication instead of by
Electronic Communication; and (iv) Lender otherwise complics with Applicable Law. Any
notice to Borrower sent by Electronic Communication in connection with this Sccurity
Instrument will be deemed to have been given to Borrower when sent unless Lender
becomes aware that such notice is not delivered. If Lender becomes aware that any notice
sent by Electronic Communication is not delivered, Lender will resend such
communication to Borrower by first class mail or by other non-Electronic Communication.
Borrower may withdraw the agreement to receive Electronic Communications from Lender
at any time by providing written notice to Lender of Borrower's withdrawal of such
agreement.

(c) Borrower's Notice Address. The address to which Lender will send Borrower
notice ("Notice Address™) will be the Property Address unless Borrower has designated a
different address by written notice to Lender. If Lender and Borrower have agreed that
notice may be given by Electronic Communication, then Borrower may designate an
Electronic Address as Notice Address. Borrower will promptly notify Lender of Borrower's
change of Notice Address, including any changes to Borrower's Electronic Address if
designated as Notice Address. If Lender specifies a procedure for reporting Borrower's
change of Notice Address, then Borrower will report a change of Notice Address only
through that specified procedure.

(d) Notices to Lender. Any notice to Lender will be given by delivering it or by
mailing it by first class mail to Lender's address stated in this Security Instrument unless
Lender has designated 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 reccived by Lender at Lender's designated address
(which may include an Electronic Address). If any notice to Lender required by this
Security Instrument is also required under Applicable Law, the Applicable Law
requirement will satisfy the corresponding requirement under this Security Instrument.

Borrowcr acknowledges that any notice Borrower provides to Lender must also be

. provided to MERS as Nominec for Lender until MERS' Nominee intercst is terminated.
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.

(¢) 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.

D. SALE OF NOTE

Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC(NMLS# 3030)|George A Anoid (NMLS#:
1689921)
MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNITFORM INSTRUMENT

Form 3158 07/2021
254444 Page 4 0/ 6

I Bt i A Rt R o Pl I |

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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 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 Instrument, MERS remains the
Nominee for Lender, with the authority to exercise the rights of Lender.

E. SUBSTITUTE TRUSTEE
Section 28 of the Security Instrument is amended to read as follows:

28. Substitute Trustee. In accordance with Applicable Law, Lender or MERS
may from time to time appoint a successor trustee to any Trustee appointed hereunder 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.

Rocket Mortgage, LLC (NMLS# 3030)|Rocket Mortgage, LLC(NMLS# 3030)|CGeorge A Anoid (NMLS#:
1689921)
MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT

Form 3158 07/2021
EX 254444 Page 5 of 6

I B e Rk ke Pt M

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

Y2054

- BORROWER - Elizabeth Brew - DATE -

2120/ 34

Brew - DATE -

Rocket Mortgage, LLC (NMLS# 3030)|Rocket Mortgage, LLC (NMLS#: 3030)|George A Anoid (NMLS #
1689921)

MERS RIDER - SingleFamily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 3158 07/2021

e

Q10358388953200202002098a3352¢1b-81ba-40a5-b9at1-9c05a3a05¢5d0606

EXl 25444.4

MANUFACTURED HOME RIDER

TO THE MORTGAGE/DEED OF TRUST/SECURITY DEED
Brew

Loan#: 3583889532

MIN: 100039035838895323
PIN: 237345

This Rider is made this 20th day of April, 2026, and is incorporated into and amends and
supplements the Mortgage / Deed of Trust / Security Deed (the "Security Instrument") of the same
date given by the undersigned (the "Borrower") to secure the Borrower's Note to Rocket
Mortgage, LLC (the "Lender") of the same date (the "Note") and covering the Property
described in the Security Instrument and located at:

2560 Springwood Dr, Chiloguin, OR 97624-9733
[Property Address]

Borrower and Lender agree that the Security Instrument is amended and supplemented as follows:

A.  The Property covered by the Security Instrument (referred to as "Property” in the Sccurity
Instrument) includes, but is not limited to, the herein described tract or parcel of land and cortain
improvements, among which is a Manufactured Home, which will be or already has been affixed to
the Property legally described in the Security Instrument, and which Manufactured Home is
described as follows:

Rocket Mortgage, LLC (NMLS#: 3030)|Rocket Mortgage, LLC (NMLS#: 3030)|George A Ancid (NMLS #:
1689921)
Manufactured Home Rider

EX 6806.39

Page 1 of 3

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See Exhibit "A"- Legal Description Hereto and Made a Part Hereof.
Subject to Covenants of Record.

. Karsten Homes of ORAB KV-48402 STA 28785A, STA
Used 2007 Oregon 28785B
New/Used Year Manufacturer's Name Model Name and Modcl No.
27.00X48.00 STA 28785A, STA 28785B ORE 501228 & ORE 501227
Length X Width Scrial Number HUD #

B. Additional Covenants of Borrower(s):

1. Borrower will comply with all state and local laws and regulations regarding the
affixation of the Manufactured Home to the Property described in the Security
Instrument including, but not limited to, surrendering the Certificate of Title (if required)
and obtaining the requisitc governmental approval and accompanying documentation
necessary to classify the Manufactured Home as real property under state and local law.

2. Thie Manufactured Home described above will be, at all times and for all purposes, a
permanent part of the Property described in the Security Instrument which by intention of
all parties, shall constitute a part of the realty and shall pass with it and permanently
affixed to the realty in accordance with any lender, state, local or other governmental
requirements.

3. Affixing the Manufactured Home to the Property described in the Security Instrument
does not violate any zoning laws or other state or local requirements applicable to
manufactured homes.

Rocket Mortgage, LLC(NMLS #: 3030)|Rocket Mortgage, LLC(NMLS # 3030)|George A Anoid (NMLS #:
1689921)
Manufactured Home Rider

EXl 6806.39 Page 2 of 3

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By signing below, Borrower(s) accepts and agrees to the terms and covenants contained in this
Manufactured Home Rider.

Rocket Mortgage, LLC (NMLS #: 3030) | Rocket Mortgage, LLC(NMLS/#: 303 0) | George A Anoid (NMLS #:
1689921)

Manufactured Home Rider
EZ 6806.39 Page 3 of 3

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EXHIBIT A - LEGAL DESCRIPTION

Tax Id Number(s): 237345

Land situated in the County of Klamath in the State of OR

PARCEL 1

LOT 51 IN BLOCK 28 OF TRACT 1113 - OREGON SHORES, UNIT 2, ACCORDING TO THE
OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH
COUNTY, OREGON.

PARCEL 2

LOT 52, BLOCK 28, TRACT NO. 1113, OREGON SHORES, UNIT 2, ACCORDING TO THE
OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK, KLAMATH
COUNTY, OREGON.

MANUFACTURED/MOBILE HOME:

NAME: KARSTEN

MODEL NO.: KV-48402 SERIAL STA 287850RA, SERIAL STA 287850RB
NEW/USED/YEAR: 2007

SERIAL NO.: SERIAL STA 287850RA, SERIAL STA 287850RB

LENGTH AND WIDTH: 1286.00X 48.00

Commonly known as: 2560 Springwood Dr, Chiloquin, OR 97624-9733

THE PROPERTY ADDRESS AND TAX PARCEL IDENTIFICATION NUMBER LISTED ARE PROVIDED
SOLELY FOR INFORMATIONAL PURPOSES.