2026-004065 When recorded, return to: Klamath County, Oregon OnPoint Community Credit Union 05/07/2026 02:29:02 PM 2701 NW Vaughn Street, #800 Fee: $147.00 Portland, OR 97210 First American Title 4% !f)&@@?r Escrow No.: 7161-4361088 LOAN #: 26022773 [Space Above This Line For Recording Datal DEED OF TRUST DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined under the caption TRANSFER OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25. Certain rules regarding the usage of words used in this document are also provided in Section 17 Partles (A) “Borrower” is KELLI ROCHELLE MCINNIS AND MICHAEL TYRONE WILLS JR, NOT AS TENANTS IN COMMON BUT WITH RIGHTS OF SURVIVORSHIP currantly residing at 1311 Peace St SE Apt 2, Salem, OR 97302. Borrower is the grantor under this Security Instrument. (B) “Lender”is OnPgint Community Credit Union . Lender is a Credit Union, organized and existing under the laws of Gregon. Lender's addrass is 2701 NW Vaughn Street, #800, Portland, OR 97210. Lender is the benefigiary under this Security Instrurment. The term “LLender” includes any successors and assigns of Lender. {C) “Trustee” is Trustee Services, Inc.. Trustes's address is 3647 NW Byron Street, #200, Silverdale, WA 88383. The term “Trustee” includes any substitute/successer Trustee. Documents (D) “Note” means the promissory note dated May 6, 2026, and signed by sach Borrowsr 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 (i) electronic form, using Borrower’s adopted Electronic Signature in accordance with the UETA or E-SIGN, as applicable. Tne Note evidences the legal obligation of each Borrower who signed the Note to pay Lender ONE HUNDRED FlFTYTHoUSANDANDNO!"OO*"**!*k**gtk?*i*n!t*?!#**l*ttt*tttth?'itttt& hEERGEERENANE AR B ARRTE R R LT KR AR R TR RRE Y RAEW DO”afS(U.S. 5150’000'00 )pIUS intel'est.EaCh OREGON - Single Family - Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 1 of 12 OR21UDEED 0322 i ORUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt in full nof later than June 1, 2056. (E) “Rlders” means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable}: (] Adjustable Rate Rider [J Condominium Rider (3 Second Home Rider ] 1-4 Family Rider [ Planned Unit Development Rider U V.A Rider OJ Other(s) [specity] (] MERS Rider (F) “Security Instrument” means this document, which is dated May 6, 2026, together with all Riders to this document. Additional Definitions {G) “Applicable Law” means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and arders (that have the effect of law) as well as all applicable final, non-appeatable judicial opinions. (H) “Communlity Association Dues, Fees, and Assessments” means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. {1} “Default” means: (i) the failure to pay any Periodic Payment or any other amount secured by this Security Instrument on the date it Is dus; (ii) a breach of any representation, warranty, covenant, obligation, or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information or statement to Lander provided by Borrower or any persons or entities acting at Borrower’s direction or with Borrower’s knowledge or consent, or failure to provide Lender with material information in connaction with the Loan, as described in Section 8; or (iv} any action or proceeding described in Section 12(g). (J) “Electronic Fund Transfer” means any transfer of funds, other than a transaction criginated by check, drafi, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated taller machine transactions, transfers initiated by telephone or other electronic device capable of communicating with such financial institution, wire transfers, and automated clearinghouse transfers. {K) “Electronic Signature” means an “Electronic Signature” as defined in the UETA or E-SIGN, as applicable. (L} “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 fo time, or any applicable additional or successor legislation that governs the sama subject matter. {M) “Escrow tems”means: (i} taxes and assessments and other items that can attain priority over this Security Instrument as a lien or encumbrance on the Property; (ii) leasehold payments or ground rents on the Property, if any; {iif) premiums for any and all insurance required by Lender under Section 5; (iv) Mortgage Insurance premiums, if any, or any sums payable by Berrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 11; and (v) Community Association Dues, Fees, and Assessments if Lender requires that they be escrowed beginning at Loan closing or at any time during the Loan term. {N) “Loan” means the debt obligation evidenced by the Note, ptus interest, any prepayment charges, costs, expenses, and late charges due under the Note, and all sums dus under this Secutity Instrument, plus interest. (O} "Loan Servicer” means the entity that has the contractual right to receive Borrower's Pariodic Payments and any othar 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. (P) “Miscellaneous Proceeds™ means any compensation, setflement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i} damage fo, or desfruction of, tha Propaerty; (i) condemnation or cther taking of all or any part of the Propsity; (iii) conveyancs in lieu of condemna- tion; or (iv) misreprasentations of, or omissions as to, the value and/or condition of the Property. (Q) “Mortgage Insurance” means insurance protecting Lender against the nonpaymsnt of, or Default on, the Lean. (R) “Partial Payment” means any payment by Borrower, ather than a voluniary prepayment permitted under the Note, which is less than a full outstanding Periodic Payment. (S) “Perlodic Payment” means the regularly scheduled amount due for (i) principal and interest under the Note, pius (i) any amounts under Section 3. (T) “Property” means the property described below under the heading “TRANSFER OF RIGHTS IN THE PRCOPERTY” {U) “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. (V) “"RESPA” means the Real Estate Setflement Procedures Act (12 U.S.C. § 2601 et seq.) and its implsmenting regu- lation, Regulation X (12 C.ER. 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 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. (W)} “Successor In Interest of Borrower” means any party that has taken title to the Property, whether or not that party has assumed Borrower's cbligations under the Note and/or this Security Instrument. (X) “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 fo time, or any applicable additional or successor legislation that governs the same subject matter. OREGOWN -~ Single Family — Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Techrology, Inc. Page 2 of 12 OR21UDEED 0322 ORUDEED {CLS}) 05/06/2026 11:56 AM PST LOAN #: 26022773 TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender (i) the repayment of the Loan, and all renewals, extensions, and modifica- tions of the Note, and (i) the performance of Borrower’s covenants and agreements under this Security Instrument and] the Note. For this purpose, Borrower irrevocably grants and conveys to Trustes, in trust, with power of sale, the following described property located in the County of Klamath: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREQF AS “EXHIBIT A", APN #: 418104 which currently has the address of 309 Martin St.,, Klamath Falls (Street] [City] Oregon 87601 (“Property Address™); {Zip Code] TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions to the improvements on such property, all property rights, including, without limitation, all easements, appurte- nances, royalties, mineral rights, ofl or gas rights or profits, water rights, and fixtures now or subsequently a part of the property. All of the foregoing is referred ta in this Security Instrument as the "Property” BORROWER REPRESENTS, WARRANTS, COVENANTS, AND AGREES that: (i) Borrower lawfully owns and possessas the Property conveyed in this Security instrument in fee simple or lawfully has the right to use and occupy the Property under a leasehold gstate; (ii) Borrower has the right to grant and convey the Property or Borrower's iease- hold interest in the Property; and (iii) the Property is unencumbered, and not subject to any other ownership interest in the Property, except for encumbrances and ownership interests of record. Borrowsr warrants generally the titie to the Property and covenants and agrees to defend the title to the Property against all claims and demands, subjact fo any encumbrances and ownership interests of racord as of Loan closing. THIS SECURITY INSTRUMENT combines uniform covenanis for national use with limited variations and non-unitorm covenants that reflect specific Oregon state requirements to constitute a uniform sscurity instrument covering real property. UNIFORM COVENANTS. Borrowar and Lender covenant and agree as follows: 1. Payment of Princlpal, interest, Escrow ltems, Prepayment Charges, and Late Charges. Borrower will pay each Periodic Payment when due. Borrower will aisc pay any prepayment charges and late charges due under the Note, and any other amounts due under this Security Instrument. Payments due under the Note and this Security Instrument must be made in U.S. currancy. 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; (¢) certified check, bank check, treasurer's check, or cashier’s check, provided any such check is drawn upon an insfitution whose deposits are insured by a U.S. federal agency, instrumentality, or entity; or (d) Electronic Fund Transfer. Payments are desmed received by Lendsr 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 accapt or return any Partial Payments in lis sole discretion pursuant to Section 2. Any offset or claim that Borrower may have now or in the future against Lender will not relieve Borrower from making the full amount of all payments due under the Note and this Security Instrument or performing the covenants and agree- ments secured by this Security Instrument. 2. Acceptance and Application of Payments or Proceeds. (a) Acceptance and Application of Partlal Payments. Lender may accept and elther apply or hold in suspense Partial Payments in its sole discretion in accordance with this Section 2. Lender is not obligated to accept any Partial Pay- ments or 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 Pariodic Payment, at which time the amount of the full Periodic Payment will be applied to tha 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 Saction 2 or return them to Borrowsr. If not applied sarlier, Partial Payments will be credited against the total amount due under the Loan in calculating the amount due in connection with any forgclosure proceeding, payoff request, loan OCREGON - Single Family — Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 3 of 12 QR21UDEED 0322 i QRUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 modification, or reinstatement. Lender may accept any payment insufficient to bring the Loan current without waiver of any rights under this Security Instrument or prejudice to its rights to refuse such payments in the future. {b) Order of Application of Partial Payments and Pericdic Payments. Except as otherwise dascribed in this Section 2, if Lender applies a payment, such payment will be applied to each Periodic Payment in the order in which it became due, beginning with the oldest cutstanding Periodic Payment, as follows: first to interest and then to principal due under the Note, and finally to Escrow Items. If all outstanding Periodic Payments then due are paid in full, any pay- ment amounts remaining may be applied to fate charges and to any amounts then due under this Security instrument. If all sums then due under the Note and this Security Instrument are paid in full, any remaining paymant amount may be applied, in Lenders sole discration, 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 ane or morg 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) NoChange to Payment Schedule. Any application of paymenits, insurance proceeds, or Miscellansous Proceeds to principal dus under the Note will not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. {a) Escrow Requlrement; Escrow ltems. Borrower must pay to Lender on the day Periodic Payments are due under the Nete, until the Note is paid in full, a sum of money to provide for payment of amounts dus for all Escrow ltems (the “Funds”). The amount of the Funds required to be paid each month may change during the term of the Loan. Borrower must promptly furnish to Lender all notices or invoices of amounts to ba 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 walve this obligation tor any Escrow item at any time. In the event of such waiver, Bor rower must pay directly, when and where payable, the amounts due for any Escrow ltems subject to tha waiver. If Lender has waived the requirement to pay Lender the Funds for any or all Escrow ltems, Lendsr may require Borrower to provide proof of direct payment of those items within such time period as Lander may requirs. Borrower's obligation to make such timely payments and to provide proof of payment is deemed o be a covenant and agreement of Borrower under this Security Instrument. If Borrowsr is obligated to pay Escrow items directly pursuant to a waiver, and Borrower fails fo pay timely the amount due for an Escrow ltem, Lender may exarcise its rights under Section 9 to pay such amount and Borrower will ba obligated to repay to Lender any such amount in accordance with Section 9. Lender may withdraw the waiver as to any or all Escrow ltems at any time by giving a notice in accordance with Section 16; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow Items, and in such amounts, that are then required under this Section 3. {c} Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in an amount up to, but not in excess of, the 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 agancy, instrumentality, or entity {including Lendet, if Londer is an institution whose depasits are so insured) or in any Federal Home Loan Bank. Lender will apply the Funds o pay the Escrow ltems no later than the time specified under RESPA. Lender may not charge Barrower for: (i) holding and applying the Funds; (i) annually analyzing the escrow account; or (iii) verifying the Escrow ltems, uniess 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 intergst or earnings on the Funds. Lender will give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. (d) Surplus; Shortage and Deflclency 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 Pericdic Payment is delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of the Escrow ltems. if there is a shortage or deficiency of Funds held in sscrow, Lender wili notify Barrower and Borrower will pay to Lender the amount necessary fo make up the shortage or deficiency in accordance with RESPA. Upon payment in full of all sums secured by this Security Instrument, Lendear will promptly refund to Borrowar any Funds held by Lender. 4. Charges; Llens. Borrower must pay (a) all taxes, assessmants, charges, fines, and impositions attributabie 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. It any of these items are Escrow tems, Borrower will pay them in the manner provided in Section 3. Borrower must promptly discharge any lien that has priority or may attain priority aver this Security Instrument unless Borrower: (aa) agrees in writing to the payment of the obligation secured by the ifen 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 whils those procesedings ars pending, but only untit such proceedings are concluded; or (cc} secures from the holder of the lien an agreemaent satisfactory to Lender that suberdinates the lien 1o this Security Instrument (collectivaly, the “Required Acticns”). If Lender determines that any part of the Property is subject to a lien that has priority or may attain priority over this Security [nstrument and Borrower has not taken any of the Requirad 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, Borrowsr 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 aracted on the Property insured against loss by fire, hazards included within the term “extended coverags,” and any other hazards including, but not limited to, earthquakes, winds, and floods, for which Lender requires insurance. Borrower must OREGON -~ Single Family — Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3038 §7/2021 ICE Mortgage Technology, Inc. Page 4 of 12 OR21UDEED 0322 N ORUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 maintain the types of insurance Lender requires in the amounts (including deductible levals) and for the periods that Lender requires. What Lender raquires pursuant to the preceding sentences can change during the term of the Loan, and may exceed any minimum coverage required by Applicable Law. Borrower may choose the insurance carrier providing the insurance, subject to Lender’s right to disapprove Borrower’s choice, which right will not be exercised unreasonably. {b) Faliure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has failed fo maintain any of the required insurance coverages described above, Lender may obtain insurance coverage, at Lender’s option and at Borrower’s expense. Unless required by Applicable Law, Lender is under no obligation to advance premiums for, or to seek to reinstate, any prior lapsed coverage obtained by Borrower. Lender is under no abligation to purchase any particular type or amount of coverage and may select the provider of such insuranca in its sole discretion. Before purchas- ing such coverage, Lender will notify Borrower if required to do so under Applicable Law. Any such coverage will insure Lender, but might not protect Borrower, Borrower’s equity in the Property, or the contents of the Property, against any risk, hazard, or liability and might provide greater or lesser coverage than was previously in effect, but not exceeding the covarage required under Section 5(a). Borrower acknowledges that the cost of the insurance coverage sc 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. Thesa 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 Policles. All insurance policies raquired by Lender and renewals of such policies: (i) will be subject to Lender’s right to disapprove such pelicies; (i) must include a standard mortgage clause; and (i) must name Lender as mortgagee and/or as an additional loss payee. Lender will have the right to hold the policies and renawal certificates. If Lender requires, Borrower will promptly give to Lender proof of paid premiums and renewal notices. If Borrower obiains 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 martgages and/or as an additional loss payee. {d) Proof of Loss;Application of Proceeds. n the event of loss, Borrower must give prompt notice {o 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 subse- quent repair and restoration period, Lender will have the right fo hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completad to Lender's satisfaction (which may include satisfying Lenders 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 ierms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person rapairing or restor- ing the Property, or payable jointly to both. Lendsr will not be required 1o pay Borrower any interest or earnings on such insurance proceads unless Lender and Borrower agres in writing or Applicable Law requires otherwise. Fees for public adjusters, or other third parties, retained by Borrower will not be paid out of the insurance procesds and will be the sole obligation of Borrower. _ if Lender deems the restoration or repair not tc be economically feasible or Lender’s security would be lessenad by such restoration or repair, the insurance proceeds will be applied to the sums secured by this Security Instrument, whether or not then dus, with the excess, if any, paid to Borrower. Such insurance proceeds will be applied in the order that Partial Payments are appliad in Section 2(b}. {e) Insurance Settlements; Asslgnment of Proceeds. !f Borrower abandons the Property, Lendar may file, negoti- ate, and settle any available insurance claim and related matters. lf Borrower doas 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 nofice is given. In sither event, or if Lender acquires the Propearty undsr Section 26 or otherwise, Borrower is unconditionally assigning to Lender (i) Borrower’s rights fo any insurance proceeds in an amount not to excead 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 Praperty, {o the extent that such rights are applicable to the coverage of the Property. If Lender files, negotiates, or sattles 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 payes. Lender may use the insurance proceeds either to repair or restora 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. Borrowsr must occupy, establish, and use the Property as Borrowars principal residence within 60 days after the execution of this Security Instrument and must continue o cccupy the Property as Borrower's principai residence for at least one year after the date of occupancy, unless Lender otherwise agress in writing, which consent will not be unreasonably withheld, or unless extenuating circumstances exist that are beyond Borrower’s control. 7. Preservation, Malntenance, and Protection of the Property; Inspections. Borrower will not destroy, dam- age, or impair the Property, allow the Proparty to deteriorate, or commit waste on the Property. Whethsr or not Borrower is residing in the Property, Borrower must maintain the Property in order fo prevent the Property from deteriorating or decreasing in value due to its conditicn. 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. Ifinsurance or condemnation procseds 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 &s OREGOMN - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 5 of 12 OR21UDEED 0322 ORUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 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. Lander may make such disbursements directly to Borrower, to the person repairing of restoring the Property, or payable jointly to both. If the insurance or condemnation proceeds are not sufficient to repair of restore the Property, Borrower remains obligated to complete such repair or restoration. Lender may make reasonable entriés upon and inspections of the Property. if Lender has reasonable cause, Lende] may inspect the interior of the improvements on the Preperty. Lender will give Borrower nofice at the time of or prior to such an interior inspection specifying such reasonable cause. 8. Borrowet’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 connecticn 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 liabllities, and misrepresenting Borrower's cceupancy or intended occupancy of the Property as Bosrower's principal residence. 8. Protection of Lender’s Interest In the Property and Rights Under this Security Instrument. (a) Protection of Lender’s Interest. If: (i) Borrower fails to perform the covenanis and agreements contained in this Security Instrument; {ii) there is a legal proceeding or government order that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptey, probate, for condemnation or forfeiture, for entorcement of a lisn that has priority or may attain priority over this Security Instrument, or io enforce laws or regulations); or (iil) Lender reasonably believes that Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lendar's interest in the Property and/or rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender’s actions may include, but are not limited to: () paying any sums secured by a lign that has priority or may aftain priority over this Securlty Instrument; (Il) appsearing in court; and (lIl) paying: (A) reasonable attorneys’ fees and costs; (B) property inspection and valuation fess; 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 pro- ceeding. Securing the Property includes, but is not limited to, exterior and interior inspections of the Property, entering the Property to make repairs, changing locks, replacing or boarding up doors and windows, draining water from pipes, sliminating building or ather 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) Avolding Foreclosure; Mitigating Losses. [f 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 avallable alternativas to foreclosure, including, but not limited to, obtaining ctedit 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 dishursed by Lender under this Section 9 will become additional debt of Borrower secured by this Security Instrument. These amounts may bear interast 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) LeaseholdTerms. If this Security Instrument is on a leasehold, Borrower will comply with all the provisions of the leasa. Borrower will not surrender the leasehold esiate and interests conveyed or terminate or cance! the ground lease. Borrower will not, without the express written consent of Lender, aiter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title will hot merge unless Lender agrees to the merger in writing. 10. Assignment of Rents, (a) Asslgnment of Rents. If the Property is leased to, used by, or cccupied by a third party ("Tenant®), Borrower is unconditionally assigning and transferring to Lender any Rents, regardiess of to whom the Rents are payable. Borrower authorizes Lender to collect the Rents, and agrees that each Tenant will pay the Rents to Lender. Howaver, Borrower will receive the Rents until (i) Lender has given Borrower notice of Default pursuant to Section 26, and (i) Lender has given notice o 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 Borrowes: (i) all Rants received by Borrower must be held by Borrower as trustee for tha benefit of Lender only, to ba applied to the sums secured by the Security Instrument; (i) Lender will be entitled to collect and receive all of the Rents; (iil) Borrower agreas to instruct each Tenant that Tenant is {o 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 collecled 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’ fess and costs, recelvers fees, premiums on receiver’s bonds, repair and maintenance costs, insurance premiums, taxes, assessmants, and other charges on the Property, and then to any other sums secured by this Security instru- mant; (vi) Lender, or any judicially appointed receiver, will be liable to account for only those Rents actually received; and (vii) Lender will be entitied 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. {c) Funds Pald by Lender. If the Rents are not sufficient to cover the costs of taking control of and managing the Praperty and of collecting the Rents, any funds paid by Lender for such purposes will become indebtedness of Borrower to Lender secured by this Security [nstrument pursuant to Sectfon 9. {d) Limitation on Coliection of Rents. Borrower may not collect any of the Rents mare than one month in advance of the time when the Rents become due, except for security or similar deposits. OREGON - Singla Family — Fannie Mae/Freddie Mac UNMIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 6 of 12 OR21UDEED 0322 ORUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 {(e) No Other Assignment of Rents. Borrower represents, warrants, covenants, and agrees that Borrower has no? signed any prior assignment of the Hents, will not make any further assignment of the Rents, and has not perfermed and will not perform, any act that could prevent Lender from exercising its rights under this Security Instrument. (f} Control and Maintenance of the Property. Unless required by Applicable Law, Lender, or a receiver appointed under Applicable Law, is not obligated to enter upon, take control of, or maintain the Property before or after giving notice of Default to Borrower. However, Lender, or a receiver appointed under Applicable Law, may do so at any lime when Borrower is in Default, subject to Applicable Law. (g) Additional Provisions. Any application of the Rents will nat 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 Premlums; Substitution of Pollcy; 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 Mort- gage Insurance in effect. If Borrower was requirad 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 sligible to provide the Mortgage Insurance coverage required by Lender, Borrower will pay the pramiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in sffect, at a cost substantially equivalent fo the cost to Borrower of the Mortgage Insurance praviously 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 paymants as a non-refundable loss resarve in lieu of Mortgage Insurance. Such loss reserve will be non-refundable, even when the Loan is paid in full, and Lender will not be required to pay Borrower any inferest or earnings on such loss reserve. Lander will no longer require loss eserve 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 Londer 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 fo make sepa- rately designated payments toward the premiums for Mortgage Insurance, Borrower will pay the premiums required to maintain Mortgage Insurance in effect, or io provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 11 affects Borrower’s obligation to pay interest at the Note rate. {b)} Mortgage Insurance Agreements. Mortgage insurance reimburses Lender for certain losses Lender may incur if Berrower does not repay the Loan as agreed. Borrower is nct a party to the Mortgage Insurance policy or coverags. Mortgage insurers svaluate their total risk on all such insurance in force from time to time, and may enter inio agree- ments with other parties that share or modify their risk, or reduce losses. These agreements may require the morigage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, another insurer, any reinsurar, any other entity, or any affiliate of any of the foregoing, may receive {directly or indirectly) amounts that derive from (or might be characterized as) a portion of Bor- rower’s payrnents for Mortgage insurancs, in exchange for sharing or modifying the mortgage insurar's risk, or reducing losses. Any such agreements will not; (i) affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan; (i) increase the amount Borrower will owe for Mortgage Insurance; (jii) entitie 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. § 4801 et seg.), 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 recsive eertain disclosures, to request and obtain cancellation of the Mortgags Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 12. Asslgnment and Application of Miscellaneous Proceeds; Forfelture. (a) Assignment of Miscellaneous Proceeds. Borrower is unconditionally assigning the right to receive all Miscel- laneous Proceeds to Lender and agrees that such amounts will be paid to Lender. {b) Application of Miscellaneous Proceeds upon Damage to Property. If the Property is damaged, any Miscel- laneous Proceeds will be applied to restoration or repair of the Property, if Lendar 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 Praceeds 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 Lander’s minimum eligibility requirements for persons repairing the Proparty, including, but not limited to, licensing, bond, 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 series of progress paymants as the work is compieted, depending on the size of the repair or restoraticn, the terms of the repair agreement, and whether Borrower is in Defauilt on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property, or payable jointly to both. Unless Lender and Borrower agres in writing or Applicable Law requires interest to be paid on such Miscel- laneous Proceeds, Lender will not be required to pay Berrower any interest or earnings on such Miscellanacus Proceads. 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 OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgags Technology, inc. Page 7 of 12 OR21UDEED 0322 ORUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds will be applied in the order that Partial Payments are applied in Section 2(b). {c) Application of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss In Value of the Property. Inthe event of a total taking, destruction, or loss in value of the Property, all of the Miscellanecus Proceeds will be applied to the sums secured by this Security Instrument, whather or not then due, with the excess, it any, paid to Borrower, in the event of a partial taking, destruction, or loss in valua 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 Immediatealy before the Partial Devaluation, a percentage of the Miscallaneous Proceeds will be applied to the sums secured by this Security Instrument unless Borrower and Lender otherwise agres in writing. The amount of the Miscellaneous Procgeds that will be so applied is determined by multiplying the total amount of the Miscellaneous Proceeds by a percentage calculated by taking {i) the total amount of the sums secured immediately before the Partial Devaluation, and dividing it by (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 immediatsly before the Partial Devalu- ation is less than the amount of the sums secured immediately before the Partial Devaluation, all of the Miscellaneous Proceeds will be applied 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. Lendaris authorized to collect and apply the Miscellaneous Proceeds gither to the sums secured by this Security Instrument, whether or not then due, or to restoration or repair of the Property, it Borrower (i) abandons the Property, or (i) fails o respond fo 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 Barrower the Miscallaneous Praceeds or the party against whom Bormrower 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 procesding bagins, whether civil or criminal, that, in Lender’s judgment, could result in forfeiture of the Property or other material impair- ment of Lender’s interest in the Property or rights under this Security Instrument. Borrower can cure such a Default and, if acceleration has occurred, reinstate as providad 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 of rights 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 applied in the order that Partial Payments are applied in Section 2(b). 13. Borrower Not Released; Forbearance by Lender Not a Walver. Borrower or any Succeassor in Interest of Bor rower will not be released from liability under this Security Instrument if Lender extends the time for payment or modifies the amortization of the sums secured by this Security Instrument. Lender will not be required to commence proceedings against any Successor in Interest of Borrower, or to refusse to extend time for paymant or otharwise modify amortization of the sums secured by this Security Instrument, by reason of any demand made by the original Borrower or any Successors in Interast of Borrower. Any forbearance by Lender in exercising any right or remady including, without limitation, Lender's acceptance of payments from third persons, entities, or Successors in Interest of Borrowsr or in amounts less than the amount then dus, will not be a waiver of, or preciude the exercise of, any right or remedy by Lender. 14. Joint and Several Liabllity; Signatories; Successors and Assigns Bound. Borrower's obligations and liability under this Security Instrument will be joint and several. However, any Borrower who signs this Security Instrument but does not sign the Note: (a) sighs 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 [nstrument to waive any applicable inchoate rights such as dower and curtesy and any available homestead exemptions; (¢} signs this Security Instrument to assign any Miscellaneous Proceeds, Rents, or other earnings from the Property to Lender; {d) is not perscnally obligated to pay the sums due under the Note or this Security Instrument; and (e) agrees that Lender and any other Borrower can agree to extend, modify, forbear, or make any accommodations with regard to the tarms of the Note or this Security Instrument without such Botrower’'s consent and without affecting such Borrower’s abligations under this Security Instrument. Subject to the provisions of Sectlon 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. (&) Tax and Flood Determination Fees. Lender may require Borrower to pay (i) a one-time chargs for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, and (ii} sither (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 servicas 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 paymant of any fess imposed by the Federal Emergency Management Agency, or any successor agancy, al 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 connaction with Borrowsr’s Default to protect Lender's interest in the Property and rights under this Security Instrument, including: (i) reasonable attorneys' fees and costs; (i) property inspection, valuation, mediation, and loss mitigation fees; and (iii) other related fees. {c) Permissiblilty of Fees, In regard to any other fees, the absence of express authority in this Security Instrument to charge a specific fes 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. OREGON - Single Family — Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Tachnclagy, Inc. Page 8 of 12 OR21UDEED 0322 ORUDEED (CLS) 05106/2026 11:56 AM PST LOAN #: 2602277 (d) Savings Clause. If Applicable Law sets maximum loan charges, and that law is finally interpreted so that th interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, the? (i) any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit, and (i) any sums already collected from Borrower which exceeded permitted iimits 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 refung reduces principal, the reduction will be treated as a parfial prepayment without any prepayment charge (whether or not & prepayment charge is provided for under tha 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. Notlices; Borrower’s Physical Address. All noticas 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 Botrower in con- nectian with this Security Instrument will be deemed to have been given o Borrower when (i) mailed by first class mai, or (i) actually delivered to Borrower's Notice Address (as defined in Section 16(c) below) if sent by means other than first class mall or Electronic Communication (as defined in Section 16(b) below). Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. if any notice to Borrower required by this Security Instrument is also required undsr Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. {b) Electronic Notice to Bomrower. Unless another delivery method is required by Applicable Law, Lender may provide notice to Borrowsr by e-mail or other electronic communication (“Electronic Communication™) if: (i) agreed to by Lender and Borrower in writing; (i) Borrower has provided Lender with Borrower’s e-mail or other electronic address (“Electronic Address”); (iif) Lender provides Borrower with the option to raceive notices by first class mail or by other non-Electronic Com- munication 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 agresment 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 {0 Lendaer. If Lender and Borrower have agreed that notice may be given by Electronic Communication, then Bosrower 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 raport 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 uniess Lender has designated another address (including an Electronic Address) by nolice to Borrowsr. Any notice in connection with this Security Instrument will be deemed to have been given to Lender only when actually received by Lender at Lender's designated address (which may include an Electronic Address). If any notice to Lender requirad by this Security Instrument is also required under Applicable Law, the Applicable Law require- ment will satisfy the corresponding requirement under this Security Instrument. (e} Borrower’s Physical Address. |n addition to the designated Notice Address, Borrower will provide Lender with the address where Borrower physically resides, if differant from the Property Address, and notify Lender whenever this address changes. 17. Governing Law; Severability; Rules of Construction. This Security Instrument is governed by federal law and the law of the State of Oregon. All rights and obligations contained in this Security Instrument are subjsct to any require- ments and limitations of Applicable Law. If any provision of this Security Instrument or the Note conflicts with Applicable Law (i) such conflict will not affect other provisions of this Security instrument or the Note that can be given effect without the conflicting provision, and (i) such conflicting provision, to the extent possible, will be considered modified to comply with Applicable Law. Applicable Law might explicitly ar implicitly ailow the parties ta agree by contract or it might ba 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 Appiicable Law is to be made in accordance with the Applicable Law in effect at the time the action is undertaken. As used in this Security Instrument: (a) words in the singutar will mean and include the plural and vice versg; (b) the word “may” gives sole discretion without any obligation to take any action; (¢} any refarence to “Section” in this document refers to Sections contained in this Security Instrument uniess otherwise noted; and (d) the headings and captions are insertad for convenience of raference and do not define, limit, or describe the scope or intent of this Security Instrumant or any particular Section, paragraph, or provision. 18. Borrower’'s Copy. Cne Borrower will be given one copy of the Nole and of this Security Instrument. 19. Transfer of the Property or a Beneficlal Interest In Borrower. For purposes of this Section 18 only, “Interest in the Proparty” means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interasis transferred in a bond for deed, contract for deed, instaliment sales contract, or escrow agresment, the intent of which is the transfer of title by Borrower to a purchaser at a future date. If all or any part of the Property or any Intarest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender’s prior written consent, Lender may raquire immediate payment in full of all sums securad by this Security instrument. However, Lender will not exercise this option it such exercise is prohibited by Applicable Law. If Lander exercises this option, Lender will give Borrowar 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 18 within which Borrower must pay OREGOMN — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, inc. Page 9 of 12 ORZ21UDEED 0322 L : ORUDEED (CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to, or upon, the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without furthar notice or demand on Borrower and will be entitied to collect all expenses incuired in pursuing such remedies, including, but not limited to: {a) reasonable attorneys' fees and costs; {b) praperty inspection and valuation fees; and (¢) cther fees incurred to protect Lender’s Interest in the Property and/or rights under this Security Instrumaent. 20. Borrower's Right to Relnstate 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 Secticn 19. To reinstate the Loan, Borrower must satisfy 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 of the Nots, including, but not limited to: (i) reasonable aftorneys' fees and costs; (il) 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 Lendear's interest in the Property and/or rights under this Security Instrument or the Note, and Borrower’s obligation to pay the sums secured by this Security Instrument or the Note, will continue unchangsd. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (aaa) cash; (bbb) meney order; (ccc) certified check, bank chack, treasurer’s chack, or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. fedsral agency, instru- mentality, or entity; or (ddd) Electronic Fund Transfer. Upon Borrower’s reinstatement of the Loan, this Security Instrument and obligations secured by this Security Instrument will remain fully effective as if no acceleration had occurrad. 21. Sale of Note. The Note or a partial interast in the Note, together with this Security Instrumeant, 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 under this Security Instrument through the Loan Servicer or another authorized representative, such as a sub-servicer. Botrower undetstands 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 moare times during the tarm 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 (¢} exercise any rights under the Note, this Security Instrument, and Applicable Law on behalf of Lendsr. lfthere is a change of the Loan Servicer, Borrower will be given writtan notice of the change which will state the name and address of the new Loan Servicer, the address ta which payments should be made, and any other information RESPA requires in connection with a notice of transfer of servicing. 23. Notice of Grlevance. Until Borrower or Lender has notified the other party (in accordance with Section 16) of an alleged breach and afforded the other party a reasonable period after the giving of such notice to take corrective action, neither Borrower nor Lender may commencs, join, or be joined to any judicial action (either as an individual fitigant or 2 member of a class) that (a) arises from the other party's actions pursuant to this Security Instrument or the Note, or (b) alleges that the other party has breached any provision of this Securily Instrument or the Note. If Applicable Law provides a time period that must elapse before certain action can be taken, that fime period will be deemed fo bs reasonabie for purposes of this Section 23. The notice of Default given to Borrower pursuant to Section 26(a) and the notice of acceleration given to Borrower pursuant to Section 19 will be deemed to satisfy the notice and opporiunity to take cotrective action provisions of this Section 23. 24. Hazardous Substances. (a) Definitlons. As used in this Seciion 24; (i) “Environmental Law” means any Applicable Laws where the Property is located that relate to health, safety, or environmental protection; (ii) “Hazardous Substances” include (A) those sub- stances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law, and (B) the following substances: gasoling, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, corrosive materials or agents, and radloactive materials; (ifiy “Environmental Cleanup” includes any response action, remedial action, or removal action, as defined in Environ- mental Law; and (iv) an “Environmental Condition” means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. (b} Restrictions on Use of Hazardous Substances. Borrowsr will not cause or parmit 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 (iil) due to the presence, use, or release of a Hazardous Substancs, 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 Propetty (including, but not limited to, hazardous substances in consumear products). (c) Notices; Remedial Actlons. 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 Conditian, inctuding but not limited to, any spilling, leaking, discharge, releass, or threat of release of any Hazardous Substance; and (ili) any condition caused by the presence, use, or release of a Hazardous Substance that adversely affects the value of the Property. It Borrower |learns, or is notified by any governmental or regulatory authority or any private party, that any OREGON - Single Family — Fannle Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Morigage Tachnology, Inc. Page 10 of 12 OR21UDEED 0322 CRUDEED (CLS) ; 05/06/2026 11:56 AM PST LOAN #: 26022773 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 Environmental Cleanup. 25, Electronic Note Signed with Borrower's Electronic Signature., if the Note evidencing the debt for this Loan is electronic, Borrower acknowledges and represents to Lender that Borrower: (a) expressly consented and intended to sign the elsctronic Note using an Electronic Signature adopted by Borrower ("Borrower’s Electronic Signature”) instead of signing a paper Note with Borrowsr'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 slectronic Note in accordance with its tarms; and (d) signed the slectronic Note with Borrower's Electronic Signature with the intent and understanding that by doing so, Borrower promised to pay the debt evidenced by the electronic Note in accordance with its terms. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 26. Acceleration; Remedies. (a8) Notlce of Default. Lender will give a notice of Default to Borrower prior to acceleration following Borrower's Default, except that such notice of Default will not be sent when Lender exercises its right under Section 19 unless Appli- cable Law providss otharwise. The notice will specify, in addition to any other information required by Applicable Law: (i) the Default; (i) the action required to cure the Default; (iii) a date, not less than 30 days (or as otherwise specified by Applicable Law) from the dale 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 accsleration; and (vi) Borrower’s right to bring a court action to deny the existence of a Default or to assert any other defanse of Borrower to acceleration and sale. (b} Acceleration; Power of Sale; Expenses. If the Default is nat cured on or before the date spacified 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 collact all expenses incurred in pursuing the remedies provided in this Section 26, including, but not limited to: (i) reasonable attorneys’ fees and/or trustees’ faes 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 feas; and (iil) ather fees incurred unless prohibited by Applicabls Law for the purpose of protect- ing Lender’s interest in the Praperty and/or rights under this Security Instrument. (c) Notice of Sale; Sale of Property. if Lender invokes the power of sale, Lender will execute or cause Trustee to execute a written notice of the accurrance of an event of Default and of Lender’s elaction to cause the Property to be sold and will cause such notice to ba recorded in each county in which any part of the Proparty 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 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 postpona sale of all or any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. (d) Trustee's Deed; Proceeds of Sale. Trustee will deliver to the purchaser a Trustee’s deed conveying the Property without any covenant or warranty, expressed or implied. The recitals in the Trustee's deed will be prima facie evidence of the truth of the statements made in that deed. Trustee will apply the proceeds of the sale in the following order, or as otherwise required by Applicable Law: (i) to all expensas of the sale, including, but not limited o, reasonable Trustea’s and reasonable attorneys’ fees and costs; (ii) 1o all sums secured by this Security Instrument; and (i) any excess to the person ar persons legally entitled to it. 27. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender will request Trustee to reconvey the Property and will surrender this Security instrument and all Notes evidencing the debt secured by this Security Instrument to Trustee. Upon such request, Trustee will reconvey the Property without warranty to the person or persons legally entitled to it. Such person or persons will pay any recordation costs assoclated with such reconveyance. Lender may charge such person or perscns a fee for reconveying the Property, but only if the fes is paid to a third party (such as the Trustes) 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 Trustes and appoint a successor {rustee to any Trustee appointed under this Security Instrument. Withaut conveyance of the Property, the succassor trustee will succeed to all the titls, powaer, and duties conferred upon Trustee in this Security Instrument and by Appiicable Law. 29. Attorneys’ and Others’' Fees. Lender will be entitled to recover its reasonable attorneys’ andfor foreclosure trustees’ fees and costs in any action or proceeding to construe or anforce any term of this Security Instrument unless prohibited or restricted by Applicable Law. The term "atiorneys’ faes,” whenever used in this Security Instrument, includes without limitation attorneys’ fees incurred by Lender in any bankruptcy or appellate proceeding. 30. Protective Advances. This Security Instrument securas any advances Lender, at its discration, may make under Section 9 to protect Lender’s interest in the Property and righis under this Security Instrument. 231. Required Evidence of Property Insurance. WARNING Unless Borrower provides Lender with evidence of the insurance coverage as required by this contract or loan agresement, Lender may purchase insurance at Borrower's expense to protect Lender's interest. This insurance may, but need not, also protect Borrower's interest. If the collateral becomes damaged, the coverage OREGON ~ Single Family — Fannle Mae/Freddle Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 11 of 12 OR21UDEED 0322 ORUDEED {CLS) 05/06/2026 11:56 AM PST LOAN #: 26022773 Lender purchases may not pay any claim Borrower makes or any claim made against Borrower. Borrower may later cancel this coverage by providing evidence that Borrower has obtained property coverage elsewhars. 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 balancs. If the cost is added to this contract or Borrower's loan balance, the interest rate on the underlying contract or loan will apply fo 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 satisty any need for property damage coverage or any mandatory liability insurance requirements imposed by Applicable Law. T BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrumen and in any Rider signed by Borrower and recorded with it. 5/ Q/ 2§ (seal KELLI ROCHELLE MCINNIS DATE . DATE N State ¢f ¢ - County of { D] This record was acknowledged before me on QI/ f QN (f? by KELLI ROCHELLE MCINNIS AND MICHAEL TYRONE WILLS JR., T \ OFFICIAL STAMP BRANDY LYNNE OLIVER-FULLER j NOTARY PUBLIC - OREGON COMMISSION NO. 1045775 MY COMMISSION EXPIRES FEBRUARY 29, 2028 Lender: OnPoint Community Credit Union NMLS ID: 462268 Loan Originator: Kyle Haight NMLS ID: 424932 OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 12 of 12 OR21UDEED 0322 ORUOEED (CLS) 05/06/2026 11:56 AM PST EXHIBIT A - LEGAL DESCRIPTION: Real property in the County of Klamath, State of Oregon, described as follows: ALL OF LOTS 24, 25 AND THE SOUTHEAST ONE-HALF OF LOT 26 IN BLOCK 21 OF INDUSTRIAL ADDITION TO THE CITY OF KLAMATH FALLS, OREGON, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY OF CLERK OF KLAMATH COUNTY, OREGON. TOGETHER WITH AN INTEREST IN A CERTAIN COMMUNITY DRIVEWAY AND GARAGE AS SHOWN IN BOOK 104 PAGE 190, RECORDS OF KLAMATH COUNTY, OREGON. A.P.N.: 418104