5/18/2026 12:15:22 PM : 2026-004533 Klamath County, Oregon 05/21/2026 12:69:01 PM Fee: $207.00 2026-004627 Klamath County, Oregon 05/26/2026 01:15:01 PM Fee: $222.00 When m'éonleti, return to; : _ AllWestern Mortgage, Inc Rerecorded at the request of lender to correct rider. Previously 8345 W Sunset Road Sulte 380 recorded in Book 2026 and page 004533 Las Vagas, NV 85113 MAIL TAX STATEMENT TO: AllWestern Mortgage, Inc B345W Sunset Road Sulte 380, Las Vegas, NV 89113 Title Order No.: 1076923 Escrow No.: 1076923 LOAN #: 26018555825 - [Spaeco Boltow Thia Lina For Acknowledgment) DEED OF TRUST COVER PAGE ‘This Gover Page MUST be attached with your recordable document 1. Grantor/Borrower Name(s) and Address: Scott Michael Plsan Lynne Michelle Pisan 624 N. Milan St Henderson, NV §93015 2. Grantes/Lender Name and Address: All Western Mortgage, Inc 8345W Sunset Road Sulte 380 BN Las Vegas, NV 83113 3. Trustee Name end Address: AmeriTitle, LLC 404 Maln St, Ste 1 Klamath Falls, OR 87601 4, Nama and Addrass of Nomineg for Lendor: Mortgago Electronic Registration Systems, Inc, P.C. Box 2026 Flint, M1 43501-2026 5. The true and actual consideration pald for thla transfer s $130,000.90. 6. Until a change is mquested, all tax statements shall ba sent to the following address: All Westorn Mortgage, Inc 8345 W Sunset Road Sulte 380 Las Vegas, NV 89113 Ov, Fov, Stal. 205.234 ICE Mcrigage Technology, Inc. ORCOVER 0324 ORCOVER (CLS) by ".% 05/18/2026 12:08 PM PST A When recorded, return to; All Western Mortgage, Inc 8345 W Sunset Road Suite 380 Las Vegas, NV 89113 Title Order No.: 1076923 Escrow No.: 1076923 LOAN #: 2601955925 [Space Above This Line For Recording Data) DEED OF TRUST [MIN 1008909-0000116761-2 | MERS PHONE #: 1-888-679-6377 DEFINITIONS Words used in multiple sections of this document are defined below and other werds are defined under the caption TRANSFER OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 18, 19, 24, and 25. Certain rules ragarding the usage of words used in this document are also provided in Section 17 Parties (A) “Borrower” is SCOTT MICHAEL PISAN AND LYNNE MICHELLE PISAN,AS TRUSTEES OF THE PISAN FAMILY REVOCABLE LIVING TRUST DATED NOVEMBER 9, 2021 currently residing at 624 N. Milan St., Henderson, NV 89015, Barrower is the grantor under this Security Instrument. (8) “Lender” is All Western Mortgags, Inc. Lender is a Corporation, organized and existing under the laws of Nevada. Lender's address is 8345 W Sunset Road Suite 380, Las Vegas, NV 89113. Lender is the baneficiary under this Security Instrument. The term “Lender”includes any successors and assigns of Lender. {C) “Trustee” is AmeriTitle, LLC. Trustee's address is 404 Main St., Ste 1, Klamath Falls, OR 97801, The term “Trustee” includes any substitute/successor Trustee. {0} “MERS" is the Mortgage Electronic Registration Systems, Inc. Lender has appointed MERS as the nominse for Lender for this Loan, and attached a MERS Rider to this Security Instrument, te be executed by Borrower, which further describes the relaticnship between Lender and MERS, and which is incorporated into and amends and supplements this Security instrument. Initials: - - ,,,,,,,,, . OREGON - Single Family - Fannle Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 iCE Martgage Technology, inc. Page 1 of 13 OR21EDEED 4322 OREDEED {CLS) 05/18/2026 12:08 PM PST LOAN #: 2601955925 Documents {E) “Mote” means the promissory note dated May 18, 2026, and signed by each Borrower who is legally obligated for the debt under that promissory nota, that is in either (i) paper form, using Borower’s written pen and ink signature, or (i} lectronic form, using Bemrower's adopted Electronic Signature in accordance with the UETA or E-SIGN, as applicable. The Note svidences the legal obligation of each Borrower who signed the Note to pay Lender ONE HUNDRED THIRTY THOUSAND AND NO/MQQr # * @7 rwasrad s amxprdmarararyvrssyrsnsankrsex IR NSRS EE TR TR EEEEREEREEEEREEE R EEIEEILEER] DO"HF’%(US $130'00000 )plusmteresi,Each Borrower who signed the Note has promised to pay this dabt in regular monthly payments and to pay the debt in full not later than June 1, 2056. {F} “Riders” 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}: Adjustabie Rate Rider Condominium Rider Second Home Rider X 1-4 Family Rider Fanned Unit Jevelopment Rider VA, Rider X (her(s) [specity] X MERS Rider Prepayment Rider, Inter Vivos Revocable Trust Rider, Business Loan Rider (G) “Security Instrument” means this document, which is dated May 18, 2026, wgether with all Riders to this document. Additional Definitions (H) "Applicable Law” means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the eflect of law) as well as all applicabie final, non-appealable judicial opinions. ( "Community Association Dues, Fees, and Assessments” means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. () “Default” means: (i) the failure to pay any Periodic Payment or any other amaurd secured by this Security Instrument on the date it is due; (i} a breach of any representation, warranty, covenant, obligation, or agreement in this Security Instrument; (i} any materially false, misleading, or inaccurate information or statement 1o Lender provided by Bomower or any persans or entitias acting at Bomrower's direction or with Borrower’s knowledge or consent, or failure 1o provide Lender with material information in connection with the Loan, as described in Section 8, or (iv) any action or praceeding described in Saction 12{(e) (K) “Electronic Fund Transfer” means any transter ot tunds, other than a transaction originated by check, dratt, or similar paper instrument, which is nitiated through an electronis terminal, telephonic instrument, computer, or magnatic 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-ot-sale transters, autormated teller machine transactions, transfers initiated by telephone or other slectronic device capable of communicating with such financial institution, wire transters, and automated clearinghouse transters (L) “Blectranic Signature” means an “Electronic Signature” as defined in the UETA or E-SIGN, as applicable. (M) “E-SIGN™ means the Electronic Signatures in Globat and Nationat Commerce Act (15 U .8 C. § 7001 et seq.), as it may be armended from time fo time, or any applicable additional or successor legisiation that governs the same subject matier. {N} “Escrow ltems” means: {i) taxes and assessments and other items that can attain priority over this Secunity Instrurnent as a hen or encumbrance on the Property: (1) leasehold payments or ground rents on the Property, if any; (i) premiums for any and all insurance requited by Lender under Section 5; {ivy Morlgage Insurance premiums, if any, or any sums payable by Barrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section t1; and {v) Community Association Dues, Fees, and Assessments if Lender requires that they be escrowed beginning at Loan closing or at any time during the Loan term {O) “Loan™ means the debt ubligation evidenced by the Note, plus interest, any prepaymant charges, costs, expenses, and late charges due under the Note, and ali sums due under this Security Instrument, plus inferast {P) “Loan Servicer” maans the enlity that has the contractual right 1o recsive Borrower's Periodic Paymants and any other paymenis made by Borrower, and admiristers 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 Lean Senvdcer, {Q) “Miscellaneous Proceeds” maans any compensation, settlement, award of damages, or procaeds paid by any third party {other than inswance proceeds paid under the coverages deseribed in Section 5) for: (i) damage to, or destriction af, the Property; (ity condemnation or other taking of all or any part of the Property: (i} conveyance in keu of condemna- tion; 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. {8) “Partial Payment” means any payment by Borrower, other than a voluntary prapayment permitted under the Nate, which i5 lass than a ull outstanding Periodic Paymen. {T) “Periadic Payment™ means the reguiarly scheduted amount due for (i) principal and interest under the Note, plus {ii} any amounis under Section 3. {U) “Property” means the property described below under the heading *“TRANSFER OF RIGHTS IN THE PROPERTY’ {¥) “Rents” means ali amounts received by of dus Borrower in connection with the lsase, use, andior occupancy of the Property by a party other than Borrower (W) “RESPA” means the Real Estate Setlemant Procedures Act (12 US.C. § 2601 ef seq j and it implemeanting ragu- tation, Requlation X {12 C.FR. Part 1024, as they may be amended from time fo fime, or any additional or successor Initials: - - OREGON ~ Singie Famidy -- Fannie Mas/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 072021 ICE Mortgage Technaiogy, Inc. Page 2 of 13 OFZIEDEED 0322 i OREDEED (CLS) Q52172026 0648 PM PST LOAN #: 2601955925 federal legislation or regulation that governs the same subject matter. When used in ihis Security Instrument, *“RESPA” refers to all requirernents 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 litle to the Property, whether or not that party has assumed Barrower's cbligations under the Note and/or this Security Instrument. (¥} “UETA" means the Uniform Electronic Transactions Act, as enacted by the Jurisdiction in which the Property is located, as it may be amended from time {c time, or any applicable addittonal or successor legislation that governs the same subject matter. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender (i) the repayment of the Loan, and all renewals, extensions, and modifica- tions of the Note, and (i) the perfformance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevecably grants and conveys o Trustee, in trusl, 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#: 412404 which currently has the address of 320 N, 5th §t., Klamath Falls [Street] [City] QOregon 97601 {"Property Address™}; {Zip Code] TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions tc the improvements on such property, all property rights, including, without limitation, all easements, appurte- nances, royalties, mineral rights, oit or gas rights or profits, water rights, and fixtures now or subsequentiy a part of the property. All of the foregeing 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 1o use and occupy the Property under a leasehekd estate; (i) Borrower has the right o grant and convey the Property or Borrower's lease- hokd interest in the Praperty; and (jii) 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 generaily the title 1o the Property and covenanis and agrees to defend the title to the Property against all claims and demands, subject to any encumbrances and ownership interesis of record as of Loan closing. THIS SECURITY INSTRUMENT combines uniferm covenants for national use with limited vanations and non-uniform covenants that refiect specific Oregon state requirements to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal, Interest, Escrow ltems, Prepayment Charges, and Late Charges. Borrower will pay each Periodic Payment when due. Borrower will also pay any prepayment charges and late charges due under the Note, and any other amounts due under this Security Instrument. Payments due under the Nole and this Security Instrument must be made in U.S. currency. It any check or other instrument received by Lender as payment under the Note o this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments dug under the Note and this Security Insirument be made in one or more of the following forms, as selected by Lender: (&) cash; (h) money order; {c) certified check, bank check, treasurer's chack, or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instrurnentality, or entity; or {d} Electronic Fund Transfer, Payments are deemed recelved by Lender when received at the iocation designated in the Mote or at such other location as may be designated by Lender in accordance with the notice provisions in Section 16, Lender may accept or return any Partial Payments in its sole discretion pursuant to Section 2. Any offset or claim that Borrower may have now or in the future against Lender will not relieve Borrower from making the full amount of all payments due under the Note and this Security Instrument or performing the covenants and agree- ments secured by this Security Instrument. OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technalogy, Inc. Page 30f13 QR2T1EDEED 0322 CREDEED (CLS) 051812026 12:08 PM PST LOAN #: 2601955925 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 Pariial Payments in its sale diseretion in accordance with this Section 2. Lender is not cbligated to accept any Partial Pay- ments or to apply any Partial Paymients at the time such payments are accepted, and alsc 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 paymen! within a reasonable period of time, Lender will either apply such funds in accordance with this Section 2 or return them to Barrower. If not applied earlier, Partial Payments will be credited against the total amount due under the Loan in calculating the amount due in connection with any fereclosure proceeding, payoff request, loan modification, or reinstatement. Lender may accept any payment insufficient to bring the Loan current without waiver of any rights under this Security Instrument or prejudice to its rights to refuse such payments in the future. (b) Order of Application of Partial Payments and Periodic Payments. Except as otherwise described in this Section 2, if Lender applies a payment, such payment will be applied to each Periodic Payment in the order in which it becamne due, beginning with the oldest outstanding Periodic Payment, as follows: first to imterest and then to principal due under the Note, and finally to Escrow Items. If all outstanding Periodic Payments then due are paid in full, any pay- ment amounts remaining may be applied to late charges and to any amounts then due under this Security Instrument. If all sums then due under the Note and this Security instrurnent 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 dalingueni Periodic Payment, the payment may be applied to the delinquent payment and the late charge. When applying payments, Lender will apply such paymsnts in accordance with Applicable Law. {e) Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note. {d) No Change to Payment Schedule. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note will not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Hems. {a) Escrow Requirement; Escrow Items. Borrower must pay to Lender on the day Periodic Payments are due under the Note, until the Note Is paid in full, a sum of money to provide tor payment of amounts due for all Escrow [tems (the “Funds”). The amount of the Funds required to be paid each month may change during the lerm of the Loan. Borrower must promptly furnish to Lender all notices or invoices of ameunts 1o be paid under this Section 3. {b) Payment of Funds; Waiver. Borrower must pay Lender the Funds ior Escrow ltems unless Lender waives this obligation in writing, Lender may waive this obligation for any Escrow Item at any time. In the event of such waiver, Bor- rower must pay directly, when and where payable, the amounts due for any Escrow items subject to the waiver. If Lender has waived the requirement to pay Lender the Funds for any or all Escrow ltems, Lender may require Borrower to provide proo! of direct payment of those ilems within such time period as Lender may require. Borrower's obligation to make such timely payments and 1o provide proof of payment is deemed to be a covenant and agreemertt of Borrower under this Security Instrument, If Borrower is obligated to pay Escrow ltems directly pursuant to a waiver, and Borrower fails to pay timely the amount due for an Escrow tem, Lender may exercise its rights under Section 8 to pay such amount and Borrower will be obligated 1o 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 & notice in accordance with Section 16; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow lterns, and in such amounts, that are then required under this Section 3. {c) Amount of Funds; Application of Funds. Lender may, at any time, callect and hold Funds in an amount up o, 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 insuted) or in any Fedaral 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; (i} annually analyzing the escrow account; or (iif) veritying the Escrow ltemns, unless Lender pays Borrower inferest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and Borrower agree in writing or Applicabl? Law requires interest to be paid on the Funds, Lender will not be required to pay Borrower any inferest or earnings on the Funds, Lender will give to Borrower, without charge, an annual accounting of the Funds as required by RESPA. (d) Surplus; Shortage and Deficiency of Funds. In accordance with RESPA, if there is a surplus of Funds held in escrow, Lender will account to Borrower for such surplus. if Barrower's Periodic Payment is delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of the Escrow ltems. If there is a shortage ot 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. Upan paymerit in full of all sums secured by this Security Instrument, Lender will promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions attributable to the Property which have pricrity or may aftain priority over this Security Instrument, (b) leaseheld payments or ground rants on the Property, if any, and {¢) Community Association Dues, Fees, and Assessments, if any. If any of these items are Escrow lterns, Borrower will pay hem in the manner provided in Section 3. Borrower must prompily discharge any lien that has priority or may attain priority over this Security instrument uniess Borrowet: {aa) agrees in writing to the payment of the obligalion secured by the lien in a manner acceptable 1o 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 orly until such proceedings are concluded; or lnitialsm,,_,,,,,,,, OREGON - Single Family - Fannle Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 IGE Mortgage Technology, Inc. Page 4 of 13 OR21EDEED {322 OREDEED (GLS) 05/18/2026 12:08 PM PST LOAN #: 2601955926 {cc) secures from the holder of the lien an agreement satisfactory to Lender that suberdinates the lien to this Security Instrument (collectively, the “Required Actions"). It 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 net 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 satisty the lien or take one or mare of the Required Actions. 5. Property Insurance. (a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or subsequently erected an the Property insured against loss by fire, hazards inctuded within the term "extended coverage,” and any other hazards including, but not limited to, earthquakes, winds, and floods, for which Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts {including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan, and may exceed any minfmum coverage Tequired 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} Fallure to Maintain Insurance. |f Lender has a reasonable basis 1o 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 o seek o reinstate, any prior lapsed coverage obtained by Borrower. Lender is under no cbligation to purchase any particular type or amount of coverage and may select the provider of such insurance in its sole discretion. Befere purchas- ing such coverage, Lender wilt 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 nat 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 Barrower 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 amounis 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 Lendar's right to disapprove such policies; (i} must include a standard mortgage clause; and {iii) must name Lender as mortgagee and/or as ah additional loss payee. Lender will have the right to hold the policles and renewai certificates. If Lendar requires, Borrower will promptly give to Lender proof of paid premiums and renewal notices. If Borrower obtains any forrn of insurance coverage, not olherwise reguired by Lender, for damage to, or destruction of, the Property, such policy must inctude a standard mortgage clause and must name Lender as mortgagee and/or as an additional loss payee. (d) Proofof 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 Borrowar. 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 lessensd 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 satistaction (which may include satisfying Lender’s minimurm eligibility requirements for persons repairing the Propertty, 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 singte payment or in a series of progress payments as the work is completed, depend- ing on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the 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 proceads unless Lender and Borrower agree in writing or Applicable Law requires otherwise. Fees for public adjusters, or other third parties, retained by Borrower will noi be paid out of the insurance proceeds and will be the sole obligation of Barrower. If Lender deems the resicration or repair not to be economically feasible or Lenders security would be lessened by such restoration or repair, the insurance proceeds will be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds will be applied in the order that Partial Paymenis are applied in Section 2({b). (e) Insurance Settlements; Assignment of Proceeds. If Borrower abandons the Property, Lender may file, negoti- ate, and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice frem Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and settle the claim, The 30-day pericd wiil bagin when the notice is given. In either event, or if Lender acquires the Property under Sectian 26 or otherwise, Borrower is unconditionally assigning to Lender {&) Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpald 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 Eender files, negotiates, or seties a claim, Borrower agrees that any insurance proceeds may be made payable direcily fo Lender without the need to include Borrower as an additional loss payee. Lender may use the insurance preceeds either to repair or restore the Property (as provided in Section 5{d)) or tc 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 censent will not be unreasonably withheld, or unless extenuating circumstances exist that are beyond Borrower's control. Initial._w_. CREGON - Single Family — Fannle Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 1CE Mortgage Technelogy, Inc. Page 5 of 13 ORZ1EDEED 0322 CREQEED {CL8) 05/18/2026 12:08 PM PST LOAN #: 2601955925 7. Preservation, Maintenance, and Protection of the Property; Inspections. Borrower will not destroy, dam- age, ar impair the Property, allow the Property 1o deteriorate, or commit waste on the Property. Whether or not Borrower is residing in the Properly, 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 1o Section 5 that repair or restoration is not economically feasible, Berrower will promptly repair the Property if damaged Yo avoid further deterioration or damage. If insurance or condernnation proceeds are paid to Lender in connaction 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 restaration, the terms of the repair agreement, and whether Borrower iz in Detault on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoting the Property, or payable jointly to both. If the insurance or condemnation proceeds are not sufficient o repair or restore the Property, Borrower remains cbligated 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 ar prior to such an interior inspection specifying such reascnable 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 faise, migleading, or inaccurate information or statemenis 1o Lender {or failed to provide Lender with material information) in connection with the Loan, including, but not imited to, overstating Borrower's income or assets, understating or failing to provide documentation of Berrower's debt obligaticns and liabilities, and misrepresenting Borrower’s occupancy or intended cccupancy 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 Interest. if: (i} Borrower fails to perform the covenants and agreements contained in this Security Instrument; {ii} there is a legal praceeding or government order that might significantly atffect Lender's interest in the Property and/or rights under this Security Instrument {such as a proceeding in bankruptey, probate, for condemnation or forfeiture, for enforcement of a lien that has priority or may attain priority over this Security Instrument, or to enforce laws or regulations); or (it} Lender reasonably believes that Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and/or rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/cr repairing the Property. Lendet’s actions may include, but are not limited to: {1} paying any sums secured by a lien that has priority or may attain priority over this Security Instrument; {il) appearing in court; and (Ili) paying: {A) reascnable 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 bankruptcy pro- ceeding. Securing the Property includes, but is not limited to, exterier 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, 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 de so and is not under any duty or obligation to do so. Lender wilt not be liable for not taking any or all actions autherized 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 patential losses, but is not abligated to do so unless required by Applicable Law. Lender may take reasonable actions to evaluate Borrower for available alternatives to foreclosure, including, but not limited to, obtaining credit reports, title reports, title insurance, property valuations, subordination agreements, and third- party approvals. Borrower authorizes and consents to these actions. Any costs associated with such loss mitigation activilies may be paid by Lendar and recovered from Borrower as described below in Section 9(c}, unless prohibited ty Applicable Law. {c} Additional Amounts Secured. Any amounts disbursed by Lender under this Secticn 9 will become additicnal debt of Borrower securad by this Security Instrument. These amounts may bear interest at the Note rate from the date of disbursernent 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 lease. Borrower will not surrender the leasehold estate and interests conveyed or terminate or cancel the ground lease. Borrower will not, without the express written consent of Lender, alter or amend the ground lease. If Borrower acquires fee title to the Property, the leasehold and the fee title will not merge unless Lender agrees to the merger in writing. 10. Assignment of Rents. (a) Assignment of Rents. 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 (i) Lender has given notice to the Tenant that the Rents are o be pald to Lender. This Section 10 constitutes an absolute assignment and not an assignment for additional security only. (b} Notice of Default. It Lender gives notice of Default to Borrower: (j) all Rents received by Borrower must be held by Borrower as trustee for the benefit of Lender only, te be applied to the sums secured by the Security Instrument; (iiy Lender will be entitled to collect and receive all of the Rents; (i) Borrower agrees ta 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 wiil ensure that each Tenant pays all Rents due o 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 1o, reasonable attorneys’ fees and cosis, receiver's fees, pramiums on receiver's bonds, repair and maintenance costs, insurance premiums, taxes, assessments, and other charges on the Property, and then to any other sums secured by this Security Instrument; Inltials:.A-,,, S OREGON - Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2D21 ICE Mortgage Technoloegy, inc. Page 6 of 13 ORZ1EDEED 0322 OREDEED (CLS) 0§/18/2026 12:08 PM PST LOAN #: 2601955925 {vi} Lender, or any judicially appointed receiver, will be fiable 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 fo the inadequacy of the Property as security. {c) Funds Paid by Lender. If the Rents are not sufficient 1o cover the costs of taking control of and managing the Property and of callecting the Rents, any funds paid by Lender for such purposes will become indebtedness of Borrower 1o 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 thar one month in advance of the time when the Renis become due, except for security or similar deposits. (e} No Other Assignment of Rents. Borrower represents, warrants, covenants, and agrees that Borrower has not signed any prior assignment of the Rents, will not make any further assignment of the Rents, and has not performed, and will not perform, any act thal 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 |.aw, is not cbligated to enter upon, 1ake controi of, or maintain the Property before or after giving notice of Default to Borrower. However, Lender, or a receiver appointed under Applicable Law, may do so at any time when Borrower is in Default, subject to Appiicable Law. (g} Additional Provisions. Any application of the Rents will not cure or waive any Default or invalidate any cther right or remedy of Lender. This Sectlon 10 does not relieve Borrower of Bomower’s obligations under Section 6. This Section 10 will terminate when all the sums secured by this Security Instrument are paid in full. 11. Mortgage Insurance. (a) Payment of Premiums; Substitution of Policy; Loss Reserve; Profection of Lender. If Lender required Morlgage 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 reguired to make separately designated payments toward the premiums for Morigage Insurance, and (i) the Morigage Insurance coverage required by Lender ceases for any reason to be available from the mortgage insurer that previously provided such insurance, or (i) Lender determines in its sole discretion that such mortgage insurer is ne longer eligible to provide the Mortgage Insurance coverage required by Lender, Borrower will pay the premiums required to obtain coverage substantially equivalent o the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, frem an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower will continue o 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 raserve in lieu of Mortgage Insurance. Such [oss 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 Morigage Insurance coverage (in the amount and for the petiod 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 Martgage Insurance. if Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make sepa- rately designated payments toward the premiums for Mortgage Insurance, 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 Morigage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is reguired 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 Borrowar does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance policy or coverage. Martgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agree- ments with other parties that share or modify their risk, or reduce losses. These agreements may require the merigage insurer to make payments using any source of funds that the morigage insurer may have avaitable (which may include funds obtained from Mortgage Insurance premiums}. As a result of these agreemants, Lender, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive {directly or indiractly) amounts that derive from (or might be characterized as) a portion of Bor rower's payments for Morigage Insurange, in exchange for sharing or modifying the mostgage 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; {li) increase the amount Borrower will owe for Mortgage Insurance; (i) entitle Borrower to any refund; or {iv} affect the rights Borrower has, if any, with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 (12 U.5.C. § 4901 et seq.), as it rnay be amended from time to time, or any additional or successor federal legistation or regulation that governs the same subject matter {"HPA"). These rights under the HPA may include the right 1o receive certain disclosures, to request and cbtain cancellation of the Mortgage Insurance, to have the Mortgage Ingurance terminated automatically, and/cr to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancelilation or termination. 12. Assignment and Application of Miscellaneous Proceeds; Forfeiture. {a) Assignment of Miscellaneous Proceeds. Borrower is unconditionally assigning the right to receive all Miscel- laneous Proceeds to Lender and agrees that such amounts wilt be paid to Lender. (b) Application of Miscellanecus Proceeds upon Damage to Property. If the Property is damaged, any Miscellaneous Proceeds will be appiied to restoration or repait of the Property, if Lender deems the restoration or repair o be economically faasible 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 satistying Lender's minimum eligibility requirements for persons repairing the Property, including, but not limited to, licensing, bond, and insurance requirements) Initials: OREGON - Single Family — Fannle Mae/Freddie Mac UNIFORM INSTRUMENT {MERS} Form 3038 07/2021 ICE Mortgage Technology, Inc. Page 7 of 13 CR21EDEED 0322 OREDEED (CLSG) 05/18/2026 12:08 PM PST LOAN #: 2601955925 provided that such inspection must be undertaken promptly. Lender may pay for the repairs and restoration in a single dis- bursement or in a series of progress payments as the work is completed, depending on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property, or payable jointly to both, Unless Lender and Borrower agree in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender will not be required 1o pay Berrower 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 Miscelianeous Proceeds will be applied o 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). {c) Application of Misceflaneous Proceeds upon Condemnation, Destruction, or Loss in Value of the Property. In the event of a tolal taking, destruction, or loss in value of the Property, afl 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 0ss in value of the Property {each, a “Partial Devaluation”) whera the fair rnarket value of the Property immediately befere 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 Securily Instrument unless Borrower and Lender otherwise agree in writing. The amount of the Miscellanecus Proceeds that will be so applied is determined by multiplying the total amount of the Miscellaneous Proceeds by a percentage calculated by taking (i} the total amount of the sums secured immediately before the Partial Devaluation, and dividing it by {ii) the fair market value of the Property immediaiely before the Partial Devaluation. Any balance of the Miscellaneous Proceeds will be paid to Borrower, inthe event of a Partiat Devaluation where the fair market value of the Property immediately betore the Partial Devalu- ation is less than the amount of the sums secured immediately before the Partial Devaluation, all of the Miscellansous Proceeds will be applied to the sums secured by this Security Instrument, whether or not the sums are then due, uniess Borrower and Lender otherwise agree in writing. {d) Settlement of Claims. Lender is authorized to collect and apply the Miscellanecus Proceeds either fo the sums secured by this Security Instrument, whether or not then due, or to restoration or repair of the Property, if Borrower {i} abandons the Property, or (ii} fails to respond to Lender within 30 days after the date Lender notifies Borrower that the Opposing Party (as defined in the next sentence) offers to settle a claim for damages. “Opposing Party” means the third party that owes Borrower the Miscellaneous Proceeds or the party against whom Borrower has a right of action 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 civit o criminal, that, in Lender's judgment, couid 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, reinstale as provided in Section 20, by causing the action or proceeding to be dismissed with a ruling that, In Lender's judgrment, preciuces forfeiture of the Property or other material impairment of Lender's inlerest in the Property or rights under this Security Instrurnent. Borrower is unconditionally assigning to Lender the proceeds of any award or claim for damages that ase atiributable to the impairment of Lender's interest in the Property, which proceeds will be paid fo Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property will be applied in the crder that Partial Payments are applied in Section 2{b). 13. Borrower Not Released; Forbearance by Lender Not a Waiver. Borrower or any Successcr in Interest of Bor rower will not be released from liability under this Security instrument if Lender extends the time for payment or modifies the amortization of the sums secured by this Security Instrument. Lender will not be required to commence proceedings against any Successor in Interest of Borrower, or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument, by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender’s acceptance of payments from third persons, entities, or Successors in Interest of Borrower or in amounts less than the amount then due, will not be a waiver of, or preclude the exercise of, any right or remedy by Lender. 14. Joint and Several Liability; Slgnatories; Successors and Assigns Bound. Barrower's obligations and liability under this Security Instrument will be joint and several. However, any Borrower who signs this Secusity 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 curlesy and any available homestead exemptions; (¢) signs this Security instrument to assign any Miscellaneous Proceeds, Rents, or other earnings from the Property to Lender; (d) is not personally obligated io pay the sums ¢ue under the Note ar this Security Instrument; and (e) agrees that L.ender and any other Borrower can agree to extend, modify, forbear, or make any accommodations with regard to the terms of the Note or this Security Instrument without such Borrower's consent and without affecting such Borrower's obligations under this Security Instrument. Subject to the provisions of Section 19, any Successor in Interest of Borrower who assumes Baorrower's obiigations 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 Barrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. 15. Lean Charges. (a) Tax and Flood Determination Fees. Lender may require Borrower {0 pay (i) a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan, and {il} 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 cartification services and subsequent charges each time remappings or similar changes occur that reasonably might affect such delermination 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. Initials:-,,-_,,,,,,...A.. OREGON - Single Family - Fannle Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology. Inc. Page Bof13 OR21EDEED 0322 OREDEED (CLS) (5118/2026 12:08 PM PST LOAN #: 2601955925 (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 {iii} other related fees. (c) 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 shouwld 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 1o reduce the charge to the permitted limit, and (i) any sums already coliecied from Borrowar which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principat cwed 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 ornot a prepayment charge is provided for under the Note). To the extent permitted by Applicable Law, Borrower's acceptance of any such refund macde by direct payment to Borrower will constitute a waiver of any right of action Bomrower might have arising out of such cvercharge. 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 writlen notice 1o Borrower in con- nection with this Security Instrument will be deemed to have been given to Barrower when (i) mailed by first class mait, or (i) actually deliverad to Borrower's Notice Address {as defined in Section 16{c} beiow) if sent by means other than first class mail or Electronic Communication {as defined in Section 16(b) below). Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. if any notice to Borrower required by this Security Instrument is alsc required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security instrument. (b} Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law, Lender may provide notice to Borrower by e-mail or other 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™); (i) Lender provides Borrower with the opticn to recelve notices by first class mail or by other nen-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 unkess Lender becomes awara that such notice is not delivered. i L.ender 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 o Lender. If Lender and Borrower have agreed that notice may be given by Efecironic Communication, then Borrower may designate an Electronic Address as Netice 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 natice in connection with this Security Instrument will be deemed to have been given to Lender only when actually received by Lender at Lender's designated address (which may include an Electronic Address). If any notice to Lender required by this Security Instrument ts also required under Applicable Law, the Applicable Law require- ment will satisfy the corresponding requirernent 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 physlcally resides, if different frem 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 faw of the State of Oregon. All rights and obligations contained in this Security Instrument are subject to any reguire- ments and limitations of Applicable Law. if any provision of this Secuwrity Instrument or the Note conflicts with Applicable Law {i} such conflict will not affect other provisions of this Security Instrumant or the Note that can be given effect without the conflicting provision, and (ii} such conflicting provision, to the extent possible, will be considerad modified to compiy with Applicable Law. Applicable Law might explicitly orimpiicilly allow the parties to agree by contract or it might be silent, but such silence should not be construed as a prohibition against agreement by cantract. Any action required under this Security Instrument to be made in accordance with Applicable Law is to be made in accordance with the Applicable Law in effect at the time the action is undertaken. As used in this Security Instrument: (a} words in the singular will mean and include the plural and vice versa; {b) the word “may” gives sole discretion without any obligation to take any action; (¢} any reference to “Section” in this document refers to Sections cantained 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 ar intent of this Security Instrument or any particular Section, paragraph, or provision. 18. Borrower's Copy. One Borrower will be given one copy of the Note and of this Security Instrument. 19. Transfer of the Property or 2 Beneficial Interest in Borrower. For purposes of this Section 18 only, “interest in the Preperty” means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests OREGON ~ Single Family — Fannie Mae/Freddis Mac UNIFORB INSTRUMENT {MERS) Form 3038 ICE Morigage Technotogy, Inc. Page 9of13 OR21EDEED 0322 QREDEED (CLS) 05/18/2026 12:08 PM PST LOAN #: 2601955925 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 io a purchaser at a future date. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender’s prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, Lender will not exercise this option if such exercise is prohibited by Applicable Law. [f Lender exercises this option, Lender will give Borrower natice 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 prior o, or upon, the expiration of this petiod, Lender may invoke any remedies permitted by this Securily Instrument without further notice or demand on Horrower and will be entitled to collect all expenses incurred in pursuing such remedies, including, but not limited to: (a) reasonable attorneys' fees and costs; (b) property inspection and valuation fees; and () other fees incurred 1o protect Lender's Interest in the Property and/or rights under this Security Instrument. 20. Borrower’s Right to Reinstate the Loan after Acceleration. |f Borrower mests 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 spacify for the termination of Berrower's right to reinstate. This right o reinstate will not apply in the case of acceleration under Section 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 Instrurnent 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 Securlty Instrument or the Note, including, but not limited to: (i} reasonable atterneys’ fees and costs; (i} property inspection and valuation fees; and (ili) 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 reascnably require to assure that Lender’s interest in the Property and/or rights under this Security instrument or the Note, and Borrower's obligation to pay the sums secured by this Security Instrument or the Note, will continue unchanged. 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} money arder; {cec) certified check, bank check, treasurer’s check, or cashier’s check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instru- mentality, or entity; or (ddd) Electronic Fund Transfer. Upon Borrower's reinstatement of the Loan, this Security Instrument and obligations secured by this Security Instrument will remain fully effective as if no acceleration had cccurred. 21, Sale of Note. The Ncte or a partial interest in the Note, together with this Security Instrument, may be sold or otherwise transferred one or more fimes. Upon such a sale or other transter, ali of Lender's rights and abligations under this Security Instrument will convey 1o Lender's successors and assigns. 22, Loan Servieer. Lender may take any action permitted under this Security Instrument through the Loan Servicer or another authorized representative, such as a sub-servicer. Borrower understands that the Loan Servicer or other authorized representative of Lender has the right and autharity 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 helder 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 paymenis should be made, and any other information RESPA requires in connection with a natice of transfer of servicing. 23. Notice of Grievance. Until Borrower or Lender has notified the other party (in accordance with Section 16) of an atleged breach and afforded the other party a reasonable period after the giving of such notice to {ake corrective action, neither Borrower nor Lender may commence, join, or be joined to any judicial action {either as an individua! litigant or a mamber of a class) that {a} arises from the other party’s actions pursuant to this Security Instrument or the Note, or (b) alleges thal the other party has braached 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 1o be reasonable 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 opportunity to take carrective action provisions of this Section 23. 24. Hazardous Substances. {a} Definitions. As used in this Section 24: (i} "Environmental Law™ means any Applicable Laws where the Property is located that relate to health, safety, or environmental protection; (ii) “Hazardous Substances” include (A} those sub- stances defined as toxic or hazardous substances, peliutants, or wastes by Environmental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing ashestos or formaldehyde, corrosive materials or agenis, and radioactive materials; (iily "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 fo, or otherwise trigger an Environmental Cleanup. {b) Restrictions on Use of Hazardous Substances. Borrower will net cause or permit the presence, use, disposal, slorage, or release of any Hazardous Substances, or threaien fo release any Hazardous Substances, on or in the Property. Borrower wiil 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 sentances will not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally Initials: - - o OREGON - Single Family — Fannie Mae/Freddie Mac UNIFOARM INSTRUMENT {MERS) Form 3038 0772021 iCE Mortgage Technology, inc. Page 10 of 13 ORZ1EDEED 0322 OREDEED {CL5) 05/18/2026 12:08 PM PST LOAN #: 2601955925 recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). {c) Notices; Remedial Actions. Borrewer will promptly give Lender written notice of: (i) any investigation, claim, demand, fawsuit, ar other action by any governmental or regulatory agency ot private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge: (i)} any Envirorsmental Condition, inctuding but not limited 1o, any spilling, leaking, 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. It Borrower learns, or is nofified by any governmental or regulatory autharity or any private party, that any removal ar other remediation of any Hazardous Substance affecting the Property is necessary, Borrower will promptly take all necessary remedial actions in accordance with Ernvironmental 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. !f the Note evidencing the debt for this Loan is electronic, Barrower acknowledges and represents to Lender that Borrower: {a) expressly consented and intended to sign the electronic Note using an Electronic Signature adopted by Borrower ("Borrower's Electronic Signature”) instead of signing a paper Note with Borrower’s written pen and ink signature; {b) did not withdraw Borrower's express consent to sign the electronic Note using Borrower's Electronic Signature; {¢) understood that by signing the electronic Note using Borrower's Electronic Signature, Borrower promised 1o 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, Berrower promised to pay the debt evidenced by the electronic Note in accordance with its terms. NON-UNIFORM COVENANTS. Borrawer and Lender further covenan! and agree as follows: 26. Acceleration; Remedies. (a) Notice of Default. Lender will give a notice of Default 10 Borrower prior 10 acceleration following Borrower's Default, except that such notice of Default will not be sent when Lender exercises its right under Section 19 unless Appli- cable Law provides otherwise. The notice will specify, in addition to any other information required by Applicable Law: (i) the Default; (i) the action required 1o cure the Default; (i} a date, not less than 30 days (or as otherwise specified by Applicable Law) from the date the notice is given 1o Borrower, by which the Delault 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 o bring a court action to deny the existence of a Default or to assart any other defense of Borrower to acceleration and sale. {b} Acceleration; Power of Sale; Expenses. If the Defauit is not cured on or before the date specified in the notice, Lender may require immadiate payment in full of all sums secured by this Security Instrument without further demand and may invcke 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: (i} reascnable attorneys' fees and/or trustees’ fees and costs and other fees and costs associated with the enforcement of this Security Instrumert, including but not limited to, foreclosure trustee's and sheriff's fees and costs, and title costs; (i} property inspection and valuation fees; and (iii} other fees incurred unless prohibited by Applicable Law for the purpose of protect- ing Lender's interest in the Property andfor 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 Properly to be sold and will cause such natice to be recorded in each county in which any part of the Property is located. Lender or Trustlee 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 parceis and in any order Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. (d) Trustee's Deed; Proceeds of Sale. Trustee will 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 wilt be prima facie evidence of the truth of the statemenis made in that deed. Trustee will apply the proceeds of the sale in the fcllowing order, or as otherwise reguired by Applicable Law: {i) to all expenses of the sale, including, but not limited to, reasonabie Trustee's and reasonable attorneys’ faes and costs; (i} to all sums secured by this Security Instrument; and (iify any excess o the person or persons legally entitled to it. 27. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender will reques? 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 reconveay the Property without warranty to the person or persons legally entitted o it. Such person or parsons 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 ¢harging 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 Trusiee appointed under this Security Instrument, Without conveyance of the Property, the successor trustee will succeed to afl the title, power, and duties conferred upon Trustee in this Security Instrument and by Applicabla Law., 29. Attorneys’ and Others’ Fees. Lender will be entitied 1o recover its reascnable attorneys' and/er foreclosure trustees’ fees and costs in any action or proceeding to construe or enforce any term of this Security Instrument unless pronibited or rastricted by Applicable Law. The term “attorneys’ fees,” whenever used in this Security Instrument, includes without limitation attorneys’ fees incurred by Lender in any bankruptey or appellate proceeding. ORZ1EDEED 0322 GREDEED (GLS} 05{18/2026 12:08 PM PST ICE Mortigage Technalogy, Inc. LOAN #: 2601955926 30. Protective Advances. This Security Instrument secures any advances Lender, at its discretion, may make under Section 9 to protect Lender's interest in the Praoperty and rights under this Security Instrument. 31. Required Evidence of Property Insurance, WARNING Unless Borrower provides Lender with evidence of the insurance coverage as required by this contract or lpan agreement, Lender may purchase insurance at Borrower's expense 1o protect Lender’s interest. This insurance may, but need not, alse protect Borrower's interest. lf the collateral becomes damaged, the coverage Lender purchases may not pay any claim Borrower makes or any claim made against Borrower, Borrower may later cancel this coverage by providing evidence that Borrower has obtained property coverage elsewhere. Borrower is responsible for the cost of any insurance purchased by Lender. The cost of this insurance may be added to this contract or Borrower's loan balance. If the cost is added to this contract or Borrower's loan balance, the interest rate on the underlying contract or loan will apply 1o this added amount. The effective date of coverage may be the date Borrower's prior coverage lapsed or the date Borrower failed to provide proot of coverags. The coverage Lender purchases may be considerably more expensive than insurance Borrower can ebtain on their own and may not satisfy any need ior 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 Barrower and recorded with it. L-76 2006 (seal SGOTT MICHAEL PISAN, AS TRUSTEE OF THE FISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 *.;';: - pr»:; 7 - ) 1 2 {« / 45 {Seal) LYNNE MICHELLE PISAN, AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 lnitials:-,,,,,,,,,, DREGON — Singla Family — Fannie Mze/Freddie Mac UNIFOAM INSTRUMENT (MERS} Form 3038 07/2021 iCE Mortgage Technolegy, Inc. Page 12 of 13 OR21EDEED 0322 OREDEED (CLS) 05/18/2026 12:08 PM PST LOAN #: 2601955925 BY SIGNING BELOW, the undersigned, Settlor(s) of The Pisan Family Revocable iiving trust under trust instrument dated November 8, 2021, acknowledges all of the terms and covenants cantained in this Security Instrument and any rider(s) thereto and agrees to be bound thereby. (SEAL) TRUST SETTLOR SCOTT MICHAEL PISAN /'?/{ ) ,,rl < State of-Gregon” Y County of Kiaatar™ (- e : (o200 (0 This record was acknowledged before me on - 7 {date} by SCOTT MICHAEL PISAN, AS TRUSTEE AND AS TRUST SETTLOR OF THE PISAN FAMILY REVOCABLE LIVING TRUST DATED NOVEMBER 9, 2021 and LYNNE MICHELLE PISAN, AS T CABLE LIVING TRUST DATED NOVEMBER 9, 2021. ary Public, State of ’f/f' vy Lender: All Western Mortgage, Inc NMLS ID: 14210 Loan Ori.ginator: Eric Gut PAUL VINCENT MANGUAL NMLS iD: 132307 NOTARY PUBLIC STATE OF NEVADA " My Commission Expires: 07-11-26 Certificate No: 02-78671-1 OREGON — Singla Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technology. Inc. Page 13 of 13 OR21EDEED 322 OREDEED (CL.8} 05{18/2026 12:08 PM PST LOAN #: 2601955925 MIN: 1006908-0000116761-2 1-4 FAMILY RIDER THIS 1-4 FAMILY RIDER is made this 18th day of May, 2026 and is incorporated into and amends and supplements the Mortgage, Mortgage Deed, Deed of Trust, or Security Deed (the “Security Instrument”) of the same date given by the undersigned (the "Borrower™) to secure Borrower’s Note to All Western Mortgage, Inc, a Corporation {the "Lender”} of the same date and covering the Property described in the Security Instrument and located at: 320 N. 5th St. Klamath Falls, OR 97601 1-4 FAMILY COVENANTS. In addition to the representations, warranties, covenants, and agreements made in the Security Instrument, Barrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECTTOTHE SECURITY INSTRUMENT. In addition to the Property described in the Security Instrument, the following items now or later attached to the Property, to the extent they are fixtures, are added to the Property description, and will also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or later located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control appa- ratus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mir rors, cabinets, paneling, and attached floor coverings, all of which, including replacements and additions, will be deemed to be and remain a part of the Property covered by the Security Instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1-4 Family Rider and the Security Instrument as the "Property” B. USE OF PROPERTY: COMPLIANCE WITH LAW. Borrower will not seek, agree to, or make a change in the use of the Property or its zohing classification, unless Lender has agreed in writing to the change. Borrower will comply with all taws, ordinances, regulations, and requirements of any governmental body applicable to the Property. C. BORROWER'S OCCUPANCY. Unless Lender and Borrower otherwise agree in writing, Section & concerning Borrower's occupancy of the Property is deleted. D. ASSIGNMENT OF 1.LEASES. Upon Lender's request after default, Bor rower will assign to Lender all leases of the Property and all security deposits made in connection with leases of the Property. Upon the assignment, Lender will have the right to modify, extend, or terminate the existing leases and to execute MULTISTATE 1-4 FAMILY RIDER — Fannie Mao/Freddie Mac UNIFORM INSTRUMENT - Form 3170 07/2021 initia .. - ICE Mortgage Technalegy, Inc. Page 1 of 2 F3t70v21RDU 0822 F3170RLU (CLS) 05/18/2026 12:08 PM PST g I TTLN LOAN #: 2601955925 new leases, in Lender's sole discretion. As used in this paragraph D the word “lease” will mean “sublease” if the Security Instrument is on a leasehold. E. CROSS-DEFAULT PROVISION. Borrower's default or breach under any note ar agreement related to the Property in which Lender has an interest will be a breach under the Security Instrument and Lender may invoke any of the remedies permitied by the Security Instrument. BY SIGNING BELQOW, Borrower accepts and agrees (o the terms and covenants con- tained in this 1-4 Family Rider. G20 2004 (seal) SCOTT MICHAEL PISAN, AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 Q207 (Seal) LYNNE MICHELLE PISAN, AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 BY SIGNING BELOW, the undersigned, Settlor(s) of The Pisan Family Revocable living trust under trust instrument dated November 9, 2021, acknowledges all of the terms and covenanis contained in this Security Insfrument and any rider(s) thereto and agrees to be bound thereby. {SEAL)TRUST SETTLOR MULTISTATE 1-4 FAMILY RIDER ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT - Form 3170 07/2021 Initials B} ICE Mortgage Technology, Inc. Page 2 of 2 E3170v21RDU 0822 F3170RLY (CLS) 05/18/2026 12:08 PM PST LOAN #: 2601955925 MIN: 1006902-0000116761-2 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Rider) THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (“MERS Rider”) is made this 18th day of May, 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 All Western Mortgage, Inc, a Corporation (“Lender) of the same date and covering the Property described in the Security Instru- ment, which is located at: 320 N. 5th St., Klamath Fzlls, OR 97601. In addition to the representations, warranties, covenants, and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that the Security Instrument is amended as follows: A. DEFINITIONS 1. The DEFINITIONS section of the Security Instrument is amended as follows: “Lender” is AllWestern Mortgage, Inc. Lenderis a Corporation organized and existing under the laws of Nevada. Lender’s address is 8345 W Sunset Road Suite 380, Las Vegas, NV 83113. 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 PO, Box 2026, Flint, Ml 48501-2026, tel. (888) 679-MERS. MERS is appointed as the Nominee for Lender o 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. Initials:-..-,,,..,,,,,,,,,,,.,,, MERS RIDER - Single Family — Fannie Mae/Freddia Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technolegy, Inc. Page 1 of 4 F3158v21ADU 0622 F3158RLU (CLS) 05/18/2026 12:08 PM PST B. LOAN #: 2601955925 TRANSFER OF RIGHTS IN THE PROPERTY The TRANSFER OF RIGHTS IN THE PROPERTY section of the Security Instru- ment is amended to read as follows: This Security Instrument secures to Lender {i) the repayment of the Loan, and all renewals, extensions, and modifications of the Note, and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys 1o Trustee, in trust, with power of sale, the following described property located in the County of Klamath: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A™, APN #: 412404 which currently has the address of 320 N. 5th §t,, Klamath Falls, [Street] [City] OR 97601 {(“Property Address”); [State] [Zip Code] TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions to the improvements on such prop- erty, all property rights, including, without limitation, all easements, appurtenances, royalties, mineral rights, cil 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 Secuiity Instrument, designates MERS as the Nominee for Lender, Any notice required by Applicable Law or this Security Instru- ment to be served on Lender must be served on MERS as the designated Nominee for Lender. Borrower understands and agrees that MERS, as the designated Nomi- nee for Lender, has the right to exercise any or all interests granted by Borrower to Lender, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, assign- ing and releasing this Security Instrument, and substituting a successor trustee. NOTICES; BORROWER’S PHYSICAL ADDRESS Section 16 of the Security Instrument is amended to read as follows: 16. Notices; Borrower’s Physical Address. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. (a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower in connection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first class mail, or MERS RIDER - Single Family — Fannle Mas/Freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Technolagy, Inc. Page 2 of 4 F3158v21RDU 0622 F3158RLU (CLS) 05/18/2026 12:08 PM PST LOAN #: 2601955925 (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 o all Borrowers unless Applicable Law expressly requires ctherwise. If any notice fo Borrower required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. {b) Electronic Notice to Borrower. Unless another delivery method is required by Applicable Law, Lender may provide notice o Borrower by e-mail or other elec- tronic communication (“Electronic Communication™} if: (i} agreed to by Lender and Borrower in writing; (ii} Borrower has provided Lender with Borrower's e-mail or other electronic address (“Electronic Address™); {iii} Lender provides Borrower with the option to receive notices by first class mail or by other non-Electronic Communication instead of by Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any notice to Borrower sent by Electronic Communication in con- nection with this Security Instrument will be deemed to have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. If Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will resend such communication to Borrower by first class mail or by other non-Electronic Communication. Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by providing written notice to Lendet of Borrower's withdrawal of such agreement. {c) Borrower’s Notice Address. The address to which Lender will send Bor- rower natice (“Notice Address™ will be the Property Address unless Borrower has designated a different address by written notice 10 Lender. If Lender and Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an Electrenic 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 1o Lender will be given by delivering it or by mail- ing it by first class mail to Lender's address stated in this Security Instrument uniess Lender has designated another address (including an Electronic Address) by notice to Borrower. Any notice in connection with this Security Instrurent will be deemed to have heen given to Lender only when actually received by Lender at Lender’s designated address (which may include an Electronic Address). If any notice fo Lender required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. Borrower acknowledges that any notice Borrower provides to Lender must also be provided to MERS as Nominee for Lender until MERS’ Nominee interest is termi- nated. Any notice provided by Borrower in connection with this Security Instrument wilt be deemed to have been given to MERS only when actually received by MERS. {e) Borrower’s Physical Address. In addition to the designated Notice Address, Borrower will provide Lender with the address where Borrower physically resides, if different from the Property Address, and notify Lender whenever this address changes. . SALE OF NOTE Section 21 of the Security Instrument is amended o 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 lnitials:- AAAAAA - MERS RIDER ~ Single Family — Farnle Mas/Freddie Mac UNIFORM INSTRUMENT Form 3188 0772021 ICE Moripage Technology, Inc. Page 3 0f 4 F3158v21RDU 0622 F3158RLU {CLS) 05/18/2026 12:08 PM PST LOAN #: 2601955925 Instrument will convey to Lender’s successors and assigns. Lender acknowledgas that until it directs MERS to assign MERS's Nominee interest in this Security Instru- ment, MERS remains the Nominee for Lender, with the authority to exercise the rights of Lender. E. SUBSTITUTE TRUSTEE Section 28 of the Security Instrument is amended to read as follows: 28.Substitute Trustee. In accordance with Applicable Law, Lender or MERS may from time to time appoint a successor trustee to any Trustee appointed here- under who has ceased to act. Without conveyance of the Property, the successar trustee will succeed to all the title, power, and duties conferred upon Trustee and by Applicable Law. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this MERS Rider. W 5207 526 sea S , AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE L MENT DATED NOVEMBER 9, 2021 A LU (Seal) [ E OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TR’UST INSTRUMENT DATED NOVEMBER 89, 2021 BY SIGNING BELOW, the undersigned, Settlor(s) of The Pisan Family Revocable living trust under trust instrument dated November 9, 2021, acknawiedges all of the terms and covenants contained in this Security Instrument and any rider(s) thereto and agrees to be bound thereby. {SEAL) TRUST SETTLOR SCOTT MICHAEL PISAN Initials:- - MEARS RIDEA - Single Family — Fannie Mae/freddie Mac UNIFORM INSTRUMENT Form 3158 07/2021 ICE Mortgage Techhology, Inc. Page 4 of 4 F3158v21RDU 0622 F3158RLU {CL5} 05/18/2026 12:08 PM PST LOAN #: 2601955925 INTER VIVOS REVOCABLE TRUST RIDER DEFINITIONS USED IN THIS RIDER (A) “Revocable Trust” means The Pisan Family Revocable living trust crealed under trust Instrurmneni dated November 8, 2021 (B) “Revocable Trust Trustee(s)" means Scott Michae! Pisan AND Lynne Michelie Pisan trustee(s} of the Revocable Trust, (C)“Revocable Trust Settlor(s)” means Scott Michael Pisan AND Lynne Michelle Pisan settlor{s) of the Revocable Trust. (D) "Lender” means All Western Mortgage, Inc, a Corporation (E) "Security Instrument” means the Deed of Trust, Mortgage, or Security Deed, and any riders thereto of the same date as this Rider given to secure the Note to the Lender of the same date and covering the Property (as defined below). (F) "Property” means the properly described in the Security Instrument and located al. 320 N. 5th St. Klamath Falls, OR 97601 THIS INTER VIVOS REVOCABLE TRUST RIDER is made this 18th day of May, 2026 and is incorporated into and shall be deemed lo amend and supplement the Security Instrument. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, the Revocable Trust Trustee(s), the Revocable Trust Seitlor(s) and the Lender further covenant and agree as follows: A. ADDITIONAL BORROWER(S) Theterm “Bomrower” when used in the Security Instrument shall refer to the Revocable Trust Trustee(s), the Revocable Trust Settlor{s), and the Revocable Trust, jointly and severally. Each party signing this Rider below (whether by accepting and agreeing to the terms and covenants contained herein and agreeing to be bound thereby, or both) covenants and agrees that, whether or not such party is named as “Bor- rower” on the first page of the Security Instrument, each covenant and agreement and undertaking of the “Borrower” in the Security Instrument shall be such party's covenant and agreement and undertaking as ‘Borrower” and shali be enforceable by the Lender as if such parly were named as "Borrower” in the Security Instrument. Mullistate Inter Vives Revocable Trust Rider Initials: ICE Morigage Technology. Inc. Page 1 of 2 GIVTRDU 0915 GIVTRLU (CLS} 05/18/2026 12:08 PM PST LOAN #: 2601955925 BY SIGNING BELOW, the Revocable Trust Trustee(s) accepts and agrees to the terms and covenants contained in this Inter Vivos Revocable Trust Rider. 8 , AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 LYNNE MICHELLE PISAN, AS TRUSTEE OF THE PISAN FAMILY REVOCABLE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 BY SIGNING BELOW, the undersigned, Settlor(s) of The Pisan Famiiy Revocable living trust under trust instrument dated November 9, 2021, acknowledges all of the terms and covenants contained in this Security Instrument and any rider(s) thereto and agrees to be bound thereby. (SEAL) TRUST SETTLOR SCOTT MICHAEL PISAN Multistale |nter Vivos Revocable Trus! Rider I?itials- ,,,,, IGE Morlgage Technology, Inc. Page 2 of 2 GINTRDU 0915 GIVTRLU (CLS) 05182026 12:08 PM PST LCAN #: 2601955925 PREPAYMENT RIDER FIXED PERCENTAGE Prepayments. Borrower may prepay the Loan in part or in full prior to the Maturity Date provided that Borrower: (a) shall provide Lender with written notice of {i) Barrower’s intention to prepay the Lcan in full by requesting a payoff letter or (ii) Borrower's making of a partial prepayment and the amount thereof; and {b) commencing on the date hereof and continuing untit July 1, 2028 (the “Prepayment Term”}, Borrower shall pay a prepayment premium to Lender simultaneously with the prepayment calculated on the amount prepaid as follows: The prepayment charge shall be equal to 5.000 % of the amount prepaid. The prepayment charge shall also be assessed if the Loan is paid due to sale cr refinance of the Property. Notwithstanding the above, a prepayment premium will not be assessed to Borrower: (a) as to payments from either casualty loss insurance proceeds or a condemnation award applicable to the Property, or (b) if a full prepayment is made during the ninety (90} day period immediately pre- ceding the Maturity Date. Any prepayment of principal resulting from an acceleration of the Loan following the occurrence of an Event of Default will incur a prepayment premium. ‘; -T2 ke (Seal) SCOTT MICHAEL PISAN, AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 R AV AV (Seal) LYNNE MICHELLE PISAN, AS TRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMEER 9, 2021 Prepayment Rider (fixed percentage) vi Initial A ICE Mortgage Technology, inc. Page 1 of 2 N136FPPRDU 0225 M13I6PPRLU (CLS) 05/18/2026 11:29 AM PST LOAN #: 2601955925 BY SIGNING BELOW, the undersigned, Settlor(s) of The Pisan Family Revocable living trust under trust instrument dated November 9, 2021, acknowledges all of the terms and covenants contained in this Security Instrument and any rider(s) thereto and agrees to be bound thereby. (SEAL)TRUST SETTLOR SCOTT MICHAEL PISAN Prepayment Rider (fixed percentaga) vi Initials: - ICE Mortgage Technology, Inc. Page 2 of 2 [1136FPPROU 0225 11136PPRLL {CLS) 05/18/2026 11:20 AM PST BUSINESS LOAN RIDER THIS BUSINESS LOAN RIDER is made this 18" day of May, 2026, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”) of the same date given by the undersigned (the “Borrower) and any personal guarantor(s), as applicable and referred herein as (the “Guarantor™) to secure the debt obligation, whether joint and severally liable, of Borrower’s Note (the “Note™) to All Western Mortgage, Inc, a Corporation (the “Lender”) covering the subject property described in the Security Instrument and located at: 320 N. 5th St Klamath Falls, OR, 97601 To the extent that the provisions of this Rider are inconsistent with the provisions of the Note and/or the Security Instrument, the provisions of this Rider shall prevail over and will supersede any such inconsistent provisions of the Note and/or the Security Instrument. In addition to the covenants and agreements made in the Security Instrument, Borrower further covenants and agrees as follows: 1. Borrower and Guarantor shall mean and include all co-signers and co-makers signing the Note and Security Instrument and all their successors and assigns, as approved by Lender. 2. Notwithstanding any clause contained in the Security Instrument, the exemptions afforded an occupying Borrower under Garn St. Germain Act will not be applicable. As such, the “due on sale” clause requiring the acceleration of payment of the sums secured by the Security Instrument of the Note will not be applicable. Borrower or guarantor will not occupy the subject property as his/her/its primary or secondary residence. 3. All other applicable Riders provided, as appended, in addition to this Business Loan Rider, shall prevail over and will supersede any inconsistent provisions of the Note and/or the Security Instrument as permitted by state law. If any provisions shall not be permitted by state law, the remaining clauses and Riders shall remain in full force and effect. All Riders will be considered part of the Security Agreement. 4. “Guarantor” means any guarantor of surety, or accommodation party of any or all of the debt obligation. Borrower’s and Guarantor’s right to reinstate is limited to Applicable Law. 6. Property as defined in the Security Instrument also includes any equipment or fixtures that are now or hereafter attached of affixed thereto. 7. Borrower shall promptly comply with all laws, ordinances, and regulations, now or hereafter in effect, of all governmental authorities applicable to the use or occupancy of the Property, including without limitation, the Americans with Disabilities Act. Borrower may contest in good faith any such law, ordinance, or regulation, except as required by Applicable Law, and withhold compliance during any proceeding, including appropriate appeals, so long as Borrower has notified Lender in writing prior to doing so and so long as, in Lender's sole opinion, Lender's interests in the Property are not jeopardized. Lender may require Borrower to post adequate security or a surety bond, reasonably satisfactory to Lender, to protect Lender's interest. 8. Borrower shall notify Lender at least fifteen (15) business days before any work is commenced, b Business Loan Rider 2112022 v.1 Page fof 3 10. 11. 12. 13. 14. 15, any services are furnished, or any materials are supplied to the Property, if any mechanic's lien, materialmen's lien, or other lien could be asserted on account of the work, services, or materials. Borrower will upon request of Lender furnish to Lender advance assurances satisfactory to Lender that Borrower can and will pay the cost of such improvements. Borrower warrants that: (a) Borrower holds good and marketable title of record to the Property in fee simple, free and clear of all liens and encumbrances other than those set forth in the Real Property description or in any title insurance policy, title report, or final title opinion issued in favor of, and accepted by, Lender in connection with this Security Instrument, and (b) Borrower has the full right, power, and authority to execute and deliver this Security Instrument and all Riders to Lender. All costs associated with the defense of title claims, are bore by the Borrower and/or the Guarantor, jointly and severally, whether paid as a direct or a recoverable fee to the Lender under the Security Instrument. The Borrower and/or Guarantor must notify Lender within at least thirty (30) business days of any dissolution of Borrower's entity (regardless of whether election to continue is made), or if any member withdraws from the limited liability company, partnership, corporation or other legal entity, or any other termination of Borrower's existence as a going business, or the death of any member or Guarantor, the insolvency of Borrower or Guarantor, the appointment of a receiver, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower and/or Grantor. Each of Borrower and Guarantor shall notify Lender within at least fifteen (15) business days of the occurrence of a material adverse change occurs in Borrower and/or Grantor's financial condition, or Lender believes the prospect of payment or performance of the indebtedness is impaired, shall require notification to the Lender. Lender will have its choice of venue. If there is a lawsuit, Borrower and/or Grantor agrees upon Lender's request to submit to the jurisdiction of the courts of its choosing. Lender shall not be deemed to have waived any rights under this Mortgage unless such waiver is given in writing and signed by Lender. No delay or omission on the part of Lender in exercising any right shall operate as a waiver of such right or any other right. A waiver by Lender of a provision of this Mortgage shall not prejudice or constitute a waiver of Lender's right otherwise to demand strict compliance with that provision or any other provision of this Mortgage. No prior waiver by Lender, nor any course of dealing between Lender and Borrower and/or Grantor, shall constitute a waiver of any of Lender's rights or of any of Borrower and/or Grantor's obligations as to any future transactions. Whenever the consent of Lender is required under this Mortgage, the granting of such consent by Lender in any instance shall not constitute continuing consent to subsequent instances where such consent is required and in all cases such consent may be granted or withheld in the sole discretion of Lender. The relationship between Borrower and/or Grantor and Lender created by this Security Instrument and all Riders is strictly a debtor and creditor relationship and not fiduciary in nature, nor is the relationship to be construed as creating any partnership or joint venture between Lender and Borrower and/or Grantor. Lender may hire or pay someone else to help collect the indebtedness if Borrower and/or Guarantor does not pay. Borrower and/or Guarantor will be responsible to pay Lender that amount. This includes, subject to any limits under applicable law, Lender's attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit, including attorneys’ fees, expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), Business Loan Rider 2112022 v.1 Page 2 of 3 and appeals. If not prohibited by applicable law, Borrower and/or Guarantor will also pay any court costs, m addition to all other sums provided by law, 16. Lender wall not be required to service the mortgage in accordance with RESPA (as defined under the Security Instrument), regarding the handling of escrow [unds, periodic statements, and the transfer of servicing. Lender will service in accordance to industry standards applicable to commercial loans. 17. Borrower and/or Guarantor shall provide the Lender with the address to which Lender will send tormal notices. which may mnclude both a written and:or electronic address, as designated. 18 Any reference to a right to prepay withowt penalty, shall be superseded by anv and all pre- pavment terms to be defined in any Prepayment Rider attached to the Security Instrument. BY SIGNING BELOW, Borrower and Guarantor accepts and agrees to the terms contained i this Business Loan Rider. i . S;-_z,_o ~zoTé (Seal) SCOTY MICHAEL PISAN, ASTRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 S-202 L (Seal) LYNNE MICHELLE PiSAN, ASTRUSTEE OF THE PISAN FAMILY REVOCABLE DATE LIVING TRUST UNDER TRUST INSTRUMENT DATED NOVEMBER 9, 2021 Tusiness Loun Rider 212022 v Pagedof 3 EXHIBIT “A" The Southeasterly 40 feet of Lot 1 in Black 50 of FIRST ADDITION to the City of Klamath Falls, according _ tothe official plat thereof on file in the office of the County Clerk, Klamath County, Oregon, more particularly described as follows: Beginning at the Southeasterly corner of said Lot 1, being the comer of Fifth Streat and the Alley; thence Northwesterly along Fifth Street, 40 feet, thence Southwesterly parallel to Washington Street 53.2 feet, more or less to the Westerly line of said Lot 1, thence Southeasterly along said Westerly line 40 fest to _the line of the alley; thence Northwesterly along said alley line, 53.2 feet to the point of beginning.