2026-004941 Klamath County, Oregon 06/03/2026 02:01:02 PM Fee: $172.00 A Aféritle 1081163 When recorded, return to: First American Mortgage Sclutions C/O CrossCountry Mortgage, LLC 1795 International Way Mail Stop: 142-C idaho Falls, ID 83402 MAIL TAX STATEMENT TO: CrossCountry Mortgage, LLC 2160 Superior Avenue, Cleveland, OH 44114 LOAN #: 1034000825182 fffffffffffffffffff [Space Betow This Line For Acknowledgment] DEED OF TRUST COVER PAGE This Cover Page MUST be attached with vour recordable docurment rar Mameis) and Address: KC Santosh Anju Dhoju 710 Sharpe Dr Vermillion, SD 57069 Giramion (A Granee/Lender Name and Address: CrossCountry Mortgage, LLC 2160 Superior Avenue Cleveland, OH 44114 % Trustee Name and Address: AmeriTitle 850 O’Hare Pkwy ste 102 Medford, OR 97504 4. Name ang Address of Nominee for Lender: Mortgage Electronic Registration Systems, Inc. P.O. Box 2026 Flint, MI 48501-2026 5 The trua and actual consideration paid for this transfer is $388,000.00. &, Until & change is requested. all tax statements shall be sent to the following address: CrossCountry Mortgage, LLC 2160 Superior Avenue Cleveland, OH 44114 D Moy Btal 205 204 ICE Mortgage Technology. Inc. CHROOVER 0324 ORCOVER (CLS) 08/01/2026 D1:14 PM PST When recorded, return to: First American Mortgage Solutions C/O CrossCountry Mortgage, LL.C 1795 International Way Mail Stop: 142-C ldaho Falls, 1D 83402 LOAN #: 1034000825182 [Space Above This Line For Recording Data] DEED OF TRUST l MIN 1007191-0004174806-0 MERS PHONE #: 1-888-679-6377 CEFINITIONS i muitiple sections of this document are defined below and other words are defined under the caption CRIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 12, 16, 19, 24, and 25, Certain rules regarding 15 used in this document are also provided in Section 17 Parties (A) "Borrower” is KC Santosh and Anju Dhoju, as tenants by the entirety currently resicing at 710 Sharpe Dr, Vermillion, SD 57069. Borrower is the grantor under this Secunty Instrument. (8- Lender CrossCountry Mortgage, LLC. Lender is a Limited Liability Company, organized and existing under the laws of Delaware. Lender's address is 2160 Superior Avenue, Cleveland, OH 44114. Lender s the beneliciary under this Security Instrument. The term “Lender” includes any successors and assigns of Lender. {C) “Trustee” 1= AmeriTitle. Trustee's address is 850 O'Hare Pkwy ste 102, Medford, OR 37504. The term "Trustee’ includes any substitute/successor Trusiee. (D} “MERS" 5 the Morigage Electronic Registration Systems, Inc. Lender has appeinted MERS as the nominee for Lender for this Loan, and attached a MERS Rider to this Security instrument, to be executed by Borrower, which further describes the relationship between Lender and MERS, and which is incorperated into and amends and supplements thus Security Instrument. OREGON - Single Famiy - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 07/2021 ICE Morigage Techno;ogy InG. Page 1 of 12 GHZTEDEED 0322 OREDEED (CLS) 06/01/2026 01:14 PM P LOAN #: 1034000825182 Documents {E} “Note” means the promissory note dated June 1, 2026, and signed by each Borrower who is legally whga‘im tor the debt under that promissory note, that is in either (i) paper form, using Borrower's wrilten pen and ink j e z:clmr" form. using Borrower's adopted Electronic Signature in accordance with the UETA or E-SIGN. ag apol Trne Note evidences the legal obligation of each Borrower who signed the Note to pay Lender THREE HUNDRED EIGHTYEIGHTTHOUSANDAND NO/MQQ* * ** ¥ ¥ ¥ rradrrbrrdrd s a s snsenirs dodk o dok ook ok ok ok ok ok d ok dr ok ok ok ok ok ook ok e ko ok kR ok kR Rk kN kAR AWK K DO'IB(S\U $388100000 )pll}S]ntcrestbach Borrower who signed the Note has promised (o pay this debt in reguiar moenthly payments and (0 pay the debt in full not than July 1, 2056. Riders” means all Biders o this Security instrument that are signed by Borrower. All such Riders are incorporated and de d 1o he a part of this Security Instrument. The following Riders are to be signed by Borrower [check box apolicab Adiu Condominium Rider .. Second Home Rider 14 Fz ider ... Planned Unit Development Rider VoA, Rider Otherls) [specity] X MERS Rider (G} “Security Instrument” means this document, which is dated June 1, 2026, together with all Riders to this document. Additional Definitions {Hy - Apphcab e Law' means all controlling applicable federal, state, and local statutes, regulaiions, ordinances, and aamini ¢ rules and orders {that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (I “Community Association Dues, Fees, and Assessments” means all dues, fees, assessments. and other charges | ire imposed on Borrower or the Property by a condominium association, homeowners association. or (J) “Defautt” on the date # [nstrume ‘the failure 10 pay any Periodic Payment or any other amount secured oy this Security instrument LA Lrcam of any representation. warranty, covenant, obligation, or agreement in this Security ‘y false, misleading, or inaccurate information or statement to Lender provided by Borrower ¢ at Borrower's direction or with Borrower's knowledge or consent, or failure to provide i "m“f“F‘CT\f"? with the Loan, as described in Section 8: or (iv) any action or proceeding “Electronic Fund Transfer means any transfer of funds. other than a transaction originated by check, drafl, or trument, which 18 initiated through an electronic terminal, telephonic instrument, computer, or magnetic ins?"'c? or authorize a financial institution to debit or credit an account. Such term includes, butis not ie transfers. automated teller machine transactions, transfers initiated by telephone or other electronic ce capable of ommun;cQtingg with such financiat institution. wire transfers. and automated clearinghouse transfers. {L} ‘Electronic Signature” means an “Electronic Signature” as defined in the UETA or E-SIGN, as applicabie. {M) “E-SIGNT means the Electronic Signatures in Global and National Commerce Act (15U.5.C. § 7001 et seq ), as it may g amended from time to tme, or any applicable additional or successor legisiation that governs the same subject matter. {N,) ‘Eserow ltemns” means: (i) taxes and assessments and other ilems that can attain priority over this Security Instrument as a lien or encumbrance on the Property; (i) leasehold payments or ground rents on the Propearty, if any; (i) premiums for any qnd all insurance required by Lender under Section 5: (iv) Mortgage Insurance premiums, if any, or any sums ;}E—"\;”l }Ee oy Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of ""?? and (v m*mur ty Association Dues, Fees. and Assessments if Lender requires that they be escrowed or at any time during the Loan term. { ) oan 'mcm"s me de:b‘ citigation evidenced by the Note, pius interest, any prepayment charges, costs, expensas and late charges due under the Note, and all sums due under this Security Instrument, pius interest. {P} “Loan Servicer” means the entity that has the contractual right o receive Borrower's Periodic Payments and any other pavmenis made by Borrower, and administers the Loan on behalf of Lender. Loan Servicer does not include a sub-zarvicer, which is an entity that may service the Loan on behalf of the Loan Servicer. {Q) "Miscellaneous Proceeds” means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds pald under the coverages described in Section 5) for: {i) damage to, or destrugtion of the Froperty: (i) condemnation or other taking of all or any part of the Property; (iil) conveyance in lieu of condemna- fon; or (V) mis ations of, or omissions as to, the value and/or condition of the Property. {R} - Mor%gage insurance means insurance protecting Lender against the nonpayment of, or Default on. the Loan. {5) “Partial Payment” means any payment by Borrower, other than a voluntary prepayment permitted under the Note. which is less than a 1ull outstanding Periodic Payment. {T) “Petiodic Payment” means the regularly scheduled amount due for {i) principal and interest under the Note, plus ;any amounts under Section 3. {U} “Property” means the property described below under the heading “TRANSFER OF RIGHTS INTHE PROPERTY” {¥) "Rents” means all amounts received by or due Borrower in connection with the lease, use, and/or cccupancy of the Froperty by a party other than Barrower. {W)’ RESPA :eans the Real Estate Settlement Procedures Act (12 U.8.C. § 2601 et seq.) and its implementing regu- fation, Reguiation X {12 C.FR. Part 1024), as they may be amended from time 1o time, or any additional or successor r\é .2, OREGON - Sin ¥y — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 (07/202° ICE Mortgage T?chr‘alc}gy inc. Page 2 of 12 CR2IEDEED 43 OREDEED (CLS) 06/01/2026 01:14 PM P o b LOAN #: 1034000825182 federal leg "siamr*: or regulation that governs the same subject matter. When used in this Security Instrument, "RESPA refers to all requirements and restrictions that would apply to a “ederally related mortgage loan” even if the Loan does not quality as @ “federally related mortgage loan” under RESPA. Xy Succe%sor in interest of Borrower” means any party that has taken titie to the Property, whether or not that party nas assumed Borrower's obligations under the Note and/or this Security Instrument. {Y} UETA w'wa rm Uniform Electronic Transactions Act, as enacted by the jurisdiction in which the Property is ooaled, as il : amended from fime 1o time. or any apgplicable additional or successor legislation that governs the TRANSFER OF RIGHTS IN THE PROPERTY o Lender i) the repayment of the Loan, and all renewals, extensions, and modifica- dormance of Borrower's covenants and agreements under this Security Instrument and Hlgalelsts Borrower rirrevocably grants and conveys to Trustee, in trust, with power of sale, the foltowing lzcated in the County of Klamath: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A", APN #: R901466 ot § ibed propearty of 6409 Orinda Dr, Klamath Falls [Streat] [City] {"Property Address™), vemenis now or subseguently erected on the property, including replacemeants and such property, all property rights, including. without imitation. all sasements, appurte- oit or gas rights or profits, water rights. and fixtures now or subsequently a part of the reTerch toin this Security Instrument as the “Property.” o] O oy 5] . O it by e I ..U i o3 ENTS, WARRANTS, COVENANTS, AND AGREES that: (i) Borrower tawfully owns and possessas the Prog er'xz conveyed in this Security Instrument in fee simple or lawfuilly has the right to use and occupy ihe Propearty alea seho;d estate; {li} Borrower has the right to grant ang convey the Property or Borrower’s lease- hold infe: > Property; and (iil) the Properly is unencumbered. and not subject to any other ownership interest in the Property. except for mf“ufnb-*ar*ces and ownership interests of record. Borrower warrants generally the title to the Pra;;e'ry ¢ covenants and agrees 1o defend the title to the Property against all claims and demands, subject to any noumbrances and ownershio interests of record as of Loan closing. THIS SECURITY INSTRUMENT combines uniform covenants for national use with limited variations and non-uniform covenants that reflect specific Oregon state requirements to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and agree as foliows: 1. Payment of Principal, Interest, Escrow ltems, Prepayment Charges, and L.ate Charges. Borrower wilt pay each Pericdic Payment when due. Borrower will alse pay any prepayment charges and late charges due under the Note, and wnounts due under this Securily instrument. Payments due under the Note and this Security instrument must U.E currency i any check or other instrument received by Lender as payment under the Note or this Security 3t t;r*’]u?! to Lendar unpaid, Lender may require that any or all subsequent payments due under the Note !r\-sammem’ be made in one or more of the following forms. as selected by Lender: {a) cash: (b) monsay ot m,k bank check, treasurer's check, or cashier's check, provided any such check is drawn upon an posits are insured by a U.8. federal agency, instrumentality, or entity; or (d) Electronic Fund Transfer. ; deamed received by Lender when received at the location designated in the Note or at such other éeoahon as may be de s-gnd ted by Lender in accordance with the notice pravisions in Section 16. Lender may accept or raturn any Partial nis in s sole discretion pursuant o Section 2. or claim Borrower may have now of in the fulure against Lender will not relieve Borrower from making fL int of all :‘;ayf merits due under the Note and this Security Instrument or performing the covenants and agree- mams secured by thie Security Instrument. arder: (¢} certl ;na‘:mtzen wi OREGON - v - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS} Form 3038 07/20621 ICE Mortgage Technology Inc. Page 3 of 12 CHZIEDEED G322 OREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 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 Iul Payrments in iis aoic discration in accordance with this Section 2. Lender is not obligated to accept any Partial Pay- al Payments at the time such payments are accepted, and also is not obligated 1o pay Interest Lender may hold such unapplied funds until Borrower makes payment sufficient to cover a full Pcnf)cnu Pm ient. at which time the amount of the full Periodic Payment will be applied to the Lean. If Borrower does 'Ac‘t make such a payment within a reasonabie period of time, Lender will either apply such funds in accordance with this Vo oor refurn them fo Borrower. H not applied earlier, Partial Paymenits will be credited against the total amount due und & Loa? in calcutating the amount due in connaction with any foreclosure proceeding, payoff request. loan tmorsw'lca‘ ar. nstaternent. Lender may accept any pavment insufficiant to bring the Loan current without waiver of Security Instrument ar prejudice 1o its rights to refuse such payments in the future. (b) Crder of Application of Partial Payments and Periodic Payments. Except as otherwise described in this o 2 der appiies a pa\ ment, such payment will be applied to each Periodic Payment in the order in which it { ith the oldest outstanding Pericdic Payment. as follows: first 1o interest and then to principal Escrow ltems. || all outsianding Periadic Payments then due are paid in full, any pay- pplied to late charges and 1o any amounts then due under this Security instrument If 51 J , and this Sex strument are paid in full, any remaining payment amount may be pliad, in 5 sale discration, o a future Periodic Payment or io 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 delinguent Periodic Payment, the payment may be apphied to the delinquent payment and the late charge. Wi aplving payments, Lender will apply such payments in accordance with Applicable Law. {c) Voluntary Prepayments. Yoluntary prepayments will be applied as described in the Note. {d) Mo Change to Payment Schedule. Any appiication of payments, insurance proceeds, or Miscallaneous Proceeds to principal due under the Mote 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 ltems. Borrower must pay to Lender on the day Periodic Payments are due under the Note unill e Note is paid in full, a sum of money to provide for payment of amounts due for all Escrow ltems (the 1] IO v* of the Funds required to be paid each month may change during the term of the Loan. Borrower [ f er all notices or mvoices of amounis (0 be paid under this Section 3 (b} Pr?;“’}?‘?? of :untjs Waiver. Borrower must pay Lender the Funds for Escrow items un lc,ss Lender walves this 1wy Lender may waive this obligation ‘o any Escrow f*em at any time. In the event of such waiver, Bor- ; and where payable. the amounts dus for any Escrow items subject o the waiver if Lender remant 1o pay Lender the Funds for any or ali Escrow ltems, Lender may raquire Borrower to provide of those items within such time pericd as Lender may require. Borrower's obligation 1o make and to provide proot of payment is deemed to be a covenant and agreement of Borrower under H Borrower s obligated to pay Escrow liems directly pursuant to a waiver, and Borrower fails to dug for an Bscrow ltem, Lender may exercise its rights under Section 9 10 pay such amount and ted 1o repay o Lender any such amount in accordance with Section 8. wine walver as to any or all Escrow items at any time by giving a notice in accordance with /I I Barrower must pay to Lender all Funas for such Escrow items. and in such amounts, 2K i under this Section 3. (c) Awount of Funds: Application of Funds. Lenger may. at any time, collect and hold Funds in an amount up to, ! a5 of the maximum amount a lender can require under RESPA. Lender will astimate the amount of Funds i Anplicable Law. be held inan institution whose deposiis are insured by a U.S. federal agency, instrumentalily, or entity Lender is an institution whose deposiis are so insured) or in any Federal Home Loan Bank. Lender nds o pay the Escrow items no later than the fime specified under RESPA. Lender may not charge holding and applying the Funds: {it) annually analyzing the escrow account; or (iil) verifying the Escrow s Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. ter and Borrower agree in writing or Applicable Law requires interest 1o be paid on the Funds, Lender will =0t 10 pay Borrower any interest or earnings on the Funds. Lender will give 1o Borrower, without charge, an annual ac ing of the Funds as required by RESPA, {d} Surp%us Shar%age and Deficiency of Funds. In accordance with RESPA, if there is a surplus of Funds held will account to Borrawer for such surplus. if Borrower's Periodic ayme?‘t is delingUent by more than rmay retain the surplus in the escrow account for the payment of the Escrow ltems. if there is a shortage rof Funds hel i“ escrow, Lender will notify Borrower and Borrower will pay to Lender the amount necessary angy in accordance with RESPA, ims secured by this Security Instrument, Lender will promptly refund to Barrower any has waive root ,‘IJ“ timehy ¢ (nciuding will apply the Bormmower far n 4. Cnarges Liens Borrower must pay {a) all taxes. assessments, charges, fines, and imgositions atiributable 1 = srity or may attain priority over this Security instrument. (b} leasehold payments or ground y, it “"‘y and {¢) Communily Association Dues, Fees, and Assessments, if any, If any of mese iterns Borre wer will %:y them in the manner provided in Section 3. to y discharge any lien that has priority or may attain priority over this Security Instrument unless ?gm)i—;s in W .'? ng to the payment of the obligation secured by the tien in a manner acceptabie to Lender, is performing under such agreement; (bb} contests the lien in good faith by, or defends nent of the den in, legal proceedings which Lender determines, in its sofe discretion, operate t¢ prevent tof the ben wt Hc those proceedings are pending. but only untit such proceedings are concluded; or B(nmnu (' a) OREGON ity ICE Mortgage Tef-hrology Inc. Page 4 of 12 CRZIEDEED Q522 - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 072021 OREDEED (CLS) 08/01/2026 01:14 PM PST LOAN #: 1034000825182 fe holder of the lien an agreement satisfactory to Lender that subordinates the lien to this Security _ihe "Required Actions”}. If Lender determines that any part of the Property is subject to alien that Y priority over this Security Instrument and Borrower has net taken any of the Required Actions . Lender may give Barrower a netice identifying the lien. Within 10 days after the date on which that Borrower must satisfy the lien or take one or more of the Required Actions. 5. Property Insurance,. { } Inaurance Reguirement; Coverages. Borrower must keep the improvements now existing or subsequently insured against loss by fire, hazards included within the term "extended coverage,” and any cther ot limited 1o, earthguakas, winds, and floods, for which Lender requires insurance. Borrower must nsurance Lender requires in the amounis (inciuding deductible levels) and for the periods that ; et requires pursuant to the preceding sentences can change during the tarm of the Loan, and arvy min r”sun' coverage required by Applicable Law. Borrower may choose the insurance carrer providing Lender's right 1o disapprove Borrower's choice, which right will not be exercised unreasonably. {b) Fanure 1o Mamtam Insurance. If Lender has a reasonable basis to believe that Borrower has failed to maintain f g 2d i e coverages described above, Lender may oblain insurance coverage, at Lender's option : e ereJ “w Hpgncf.b;e Law, Lender is under no obiigation o adgvance premiums for, ¢ obtained by Borrower. Lender is under no obligation 1o purchase any i lect the provider of such insurance in its sole discretion Before purchas- orrower if required to do so under Applicable Law, Any such coverage will insure : r, Borrower's equity in the Property, or the contents of the Property, agamnst any and ;'“nagm o owde greater or lesser coverage than was previously in effect, but not exceeding the icn Bla). Borrower ackrowledges hat the cobt of the lr‘auramce 0uverage S0 ootamed may ,J 5 E o of B?a rower secq*ed by t? is Sec my Im rument. These amounts wilt bear 'me(est atthe Note rate from the ¢ ement and wili be payable, with such interast, upon notice from Lender to Borrower requesting payment. (¢} Insurance Policies. All insurance policies reguired by Lender and renewals of such policies: (i) will be subject to Lender's right to disapprove such policies; {ii) must include a standard mortgage clause; and (ili) must name Lender as as an additional loss pavee. Lender will have the right to held the policies and renewail certificates. i Borrower wilt promptly give to Lender oroof of paid premiums and renewal notices. If Borrower obtains > coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such rd mortgage clause and must name Lender as mortgagee and/or as an additional loss payee. fds Proaf of Lass App ication of Proceeds. In the event of loss, Borrower must give prompt notice 16 the insurance 1¢ y makes proot of loss if not made promptly by Borrower. Any insurance proceeds. whether & was ‘&m:r?d by Lender will be applied to restoration or repair of the Property, it Lender pair 1o be econarmically feasible and determines that Lendar’s security will not be lessened P P ob d Jude a standard 53 wration. subject to any restrictions appiicable 1o Lender. During the subsequent have the right to hold such insurance proceeds untl Lendar has had an opportunity sure he work has been completed o Lender's satisfaction {(which may include satislying guiremenis *‘o-’oersms repairing the Property, including, but not fimited to, licensing, bond, provided that such inspection must be undertaken promptly. Lender may o smrse praceeds t n a single payment or in a series of progress payments as the work is completed, depend- r«ipa?’ or restoration, the terms of the repair agreement, and whether Borrower is in Default on the nay Mmake such disbursements directly to Borrower. 1o the persan repairing or restoring the Property, or '“)CI? Lender will not be required to pay Borrower any interest or earnings on such insurance proceeds restored. Lender will dishurse from the insurance proceeds any innfial amounts that 3 f oy gt 54 n‘ u_(»d!‘ oy Boslf‘WGr wiil nat be paid out of the insurance proceeds and will be the sole obligation of Borrower. leems the restoration or repair not to be economically feasible or Lender's security would be lessened or repar, the insurance proceeds will be applied to the sums secured by this Security Instrument, 3 JLN with the excess. if any, paid to Borrower. Such insurance proceeds will be applied in the order 3 = applied in Section 2(b). {e) tnbu rance Senie?“en*s Assignment of Proceeds. If Bor* wer abandons the Property. Lender may file. negoti- insurance claim and related matiers. if Borrower does not respond within 30 days o a notice e carrier has offered to setlle a claim, *ne Lender may negotiate and setftle the claim. The an the notice is given. In either event, or if Lender acquiras the Property under Section 26 or noonditionally assig?ir* G Lender (i} Borrower's rights to any insurance proceeds in an amount wunts unpaid under the Note and this Security Instrument, and (i) any other of Borrower’s rights f refund of unearnad pram|LJm>, peld by Borrower) under all nsurance policies covering the such rights are applicabie to the coverage of the Property. I Lender files, negotiates, or setiles es ihat any insuranc e or’accl,dq may be made payable diractly to Lender without the need to include onal loss payee. Lender may use the nsurance proceeds aither to repair or restore the Property (as ’on.de,J i an B{d)) or 10 pay amounts unpaid under the Note or this Security Instrument, whather or not then due. 6. Qcocupancy. b@zmwo* must occupy, estavlisn, and use the Property as Borrower's principal residence within 60 days afler the ition of this Security Instrument and must continue 1o occupy the Property as Borrower's principal rasidence for al least one year after the date of Gccupaqcy, unless Lender otherwise agreas in writing, which consent snably withheld, or unless extenuating circumstances exist that are bevond Borrower’s control. 2% OREGON :Famy - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 (7/202¢ ICE Morigage Temr*ology Inc. Page 5 of 12 CRZTEDEED 03 OREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 7. Preservation, Maintenance, and Protection of the Property; Inspections. Borrower will not destroy, dam- zmpaw' the Croperty. allow the Property to deteriorate. or commit waste on the Property. Whether or not Borrower i the Proparty, Borrower must maintain the Property in order to prevent the Property from deteriorating or e due to is condition. Unless Lender determines pursuant to Section 5 that repair or restoration 1s not = Borrower willt promptly repair the Property if damaged to avoid further deterioration or damage. condemnation proceeds are paid to Lender in connection with damage to. or the taking of, the Property, ansible for repairing or restoring the Property only if Lender has released proceeds for such purposes. nrocaeds tor the repairs and restoration in a single payment or in a series of progress payments as ‘*e’"m” ing on the size of the repair or restoration, the terms of the repair agreement. and whether the Loan. Lender may make such dishursements directly to Borrower. 1o the person repairing of bie jointly to both. [f the insurance or condemnation proceeds are not sufficient to repair or emamns obligated to complete such repair or restoration. onable entries upon and inspections of the Property. If Lender has reasonabie cause, Lender the :mmov@mer\w an the Property. Lender will give Borrower notice at the time of or prior o t u\h rpascnable cause. Loan Apnhcat;on Barrower will e in Default if, during the Loan applcation process, Borrower or at Borrower's direclion or with Borrower's knowledge or consent gave malerially false, stion or statements o Lender {or faled to provide Lender with material information) in iding, but not imited to. oversiating Borrower's income or assets, understating or faling reower’s debt obligations and liabilities, and misrepresenting Borrower's occupancy of . ney of the Property as Borrower's principal residence. 9 Pfotecison of Lender’s Interest in the Property and Rights Under this Security Instrument. {a} Protection of Len{jer s Interest. If: () Borrower fails to perform the covenants and agreements contained in this ; egal orocpecn?g or government order that might significantly affect Lender’s mterest his Security Instrument (such as a preceeding in bankrugtey, probate, for condemnation Gf a lien that has priority or may aftain priority over this Security Instrument, or 1o enfarce i ander reasonably believes that Borrower has abandoned the Property, then Lender may do r iz reasonable or appropriate to protect Lender's interest in the Property and/or rights under this actions may include, but are not limzted to: () paying any sums secured by a lien that has priority or appearing in court; and (i} paving: (A) reasonable attorneys’ fees on and valuation fees and (Cj other {ees mcured for the purpose of protecting Lender's rights under this Security Imtrument including its secured position in a kankrupicy pro- ty includes, but is not imited to, exterior and interior inspections of the Property. entering ~wavag..1g laeks, replacing or boarding up doors and windows, draining water from pipes, ¢ sode viclations or dangerous conditions, and having utilities turned on or off. Alihough Lender may naer Section 8. Lender is not required o do so and is not under any duty or obligation to do so. y r ot taking any or afl act ID’": althorized under this Section §. fhtsgatmg Losses. If Borrower is in Default, Lender may work with Borrower 10 avoid er's potantial losses, but is not obligated to 40 5o unless required by Applicabie Law. whions {0 evaiuate Borrower for available alternatives io foreclosure, including, but not aTS\ itie reports, title insurance. property valuations, subordination agreements, and third- . Borrower authorizes and consents to these actions. Any costs associated with such less mitigation paid by Lender and recoverad from Borrower as described below in Section 9(c), uniess prehibited by Add;ttmnai Amounts Secured, Any amounts disbursed by Lender under this Section & will hecome additional 16 secured by this Security Instrument. These amounts may bear interest at the Note rate from the date b@ cayah &, with such interest, upon notice from Lender to Borrower requesting payment, 8. 1f this Security Instrument is on a leasehold, Borrower will comply with all the provisions of the ‘ :’I n.of surrender the leasehold estate and interests conveyed or terminate or cancel the ground lease. hout the express written consent of Lender. akter or amend the ground lease. If Borrower acquires » thg \he leasehold and the fee title will not merge unless Lender agrees to the merger in writing. 10 Ass*qnmenz of Rents. {a} Assignment of Rents. I the Property is leased to, used by, or occupled by a third party ("Tenant™. Borrower is unconditi gning and transferring o Lender any Rents, regardless of to whom the Bents are pavable. Borrower oot the Rents, and agress that each Tenant will pay the Rentis to Lender. However, Borrower will (i) Lender has given Borrower notice of Default pursuant to Section 26. and (i} Lender has given the Rents are 1o be paid to Lender. This Section 10 constitutes an absolute assignment and not curity oniy. gives notice of Default 1o Borrower: (1) alil Rents received by Borrower must be held fit of Lender only. to be appiiad o the sums sacured by the Security Instrument; and receive all of the Bents; (i) Borrower agress to instruct each Tenant that Tenant a1 Lender upon Lender’s written demand to the Tenant: (iv) Borrower will ensure that ¢ 10 Lender and will take whatever action is necassary to collect such Rents if not paid to rovides otherwise. all Rents coliected by Lender will be appied first to the costs of he Property and collecting the Bents, including, but not limited to, reasonabie attorneys’ remiums on receiver's bonds, repair and mainienance costs, insurance premiums, arges on the Property. and then to any other sums secured by this Security Instrument; CREGON - 3 ;- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 (7/2027 ICE Mortgage Techinology. Inc. Page 6 of 12 ORZIEDEED (322 06/01/2026 01:14 PM PST LOAN #: 1034000825182 rany judizially appointed receiver, will be liable to account for only those Rents actually rece! ived: an ar will be ef“tid?d 1o have a receiver appointad to lake possession of ana manage the Property and colfect the s and profils derived from the Property without any showing as to the inadequacy of the Property as security, (c; Fun?s Paid by Lender. i the Rents are not sufficient to cover the costs of taking contro! of and managing the liecting the Rents, any funds paid by Lender for such purposes will become indebtedness of Borrower his Security Instrument pursuant to Section 9. {d ) Lnnatatsan on Collection of Rents. Borrower may not collect any of the Renis more than one month in advance : =n the Rents become due. except for security or similar deposits (e} No Other Assngnmeni of Rents. Borrowef represen<5 warrams covenanis, and aorees that BDFTOW’:‘F has not 4 mr could pr vent Lender from exerusmg its r\ghts under th\s Sccur ty Instrument, {f} Camro! and Emamtenance of the Property. Unless required by Applicable Law, Lender, or a receiver appointad ted fo enter upon, take control of or maintain the Property before or afier giving notice Lender. or a recaiver appointed under Applicable Law. may do so af any time when wWer S i, 8y pv' o Applicable La‘ {g) Additional vasqmns Any application of the Rents will not cure or waive any Default or invalidate any other C - This Section 10 does not relieve Borrower of Borrower's ehtigations under Section €. i srminate when all the sums secured by this Security instrument are paid in full, 11 r-;‘%:;;rtgage nsurance. {a) Pay § gl Vele o ver was FQQU'i’eu t.:) maxe seaaratuly ?esngna.ud payments toward the pr@m|L.ms for : Mortgage Insurance coverage required by Lender ceases for any reason 1o be available nsurer that previously provided such insurance, or (i) Lender determines in its sole discretion that nsurer is no longer eligible 1o provide the Mortgage Insurance coverage required by Lender. Borrower will quired to oblain coverage substantially equivalent to the Mortgage Insurance previously in effect, at lent i the cost to Borrower of the Mortgage Insurance pravicusly in effect. from an alternate ander Wt Morlgage Insurance goverage is nof available, Borrower will continue fo pay 1o Lender the signated payments that were due when the insurance coverage ceased fo be in effect. Lender in these payments as 2 non-refundabie loss reserve in lleu of Mortgage Insurance. Such loss lable, even when the Loan is paid in full, and Lender will not be required to pay Borrower any loss reserve. juire loss reserve payments if Mortgage Insurance coverage (in the amount and for the res) provided Dy an insurer selected by Lender again becomes available, is oblained. and Lender d payments toward the premiums for Mortgage Insurance ge Insurance as a condition of making the Loan and Borrower was required to make sepa- toward the premiums for Morigage insurance, Borrower will pay the premiums required o ¢l or lo provide a non-retundable loss reserve, until Lender’s requirement for Mortgage ith any written agreement between Borrower and Lender providing for such termination i by Applicable Law. Nothing in this Section 11 affecis Borrower's ebligation to pay interest '?S at the Nole : (b) E‘nortg'%ge nsurance Agreements. Mortgage Insurance reimburses Lender for certain losses Lender may incur iy the Loan as agreed. Borrower is not a party to the Mortgage insurance policy or coverage, te their fotal risk an all such insurance in force from time to time, and may enter into agree- s that share or modify their risk, or reduce losses, These agresments may require the mortgage paymants using any scurce of funds that the morigage insurer may have available (which may inciude from Mortgage Insurance premiums). Lof ihese agreements, Lender, ancther insurer, any reinsurer, any other entity, or any affilkate of any of the receive {directly or indirectly) amounts that derive from (or might be characterized as) a portion of Bor for M’)rtuage Insurance, in exchange for sharing or modifying the mortgage insurer’s risk, or reducing P AGTEsments wa;; not: (i) affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or i} increase the amount Borrower will owe for Maortgage Insurance; (i) entitie Borrower to s Borrower has, if any. with respect o the Mortgage Insurance under the Homeowners 0. 54901 et seq.), &5 it may be amended from time to time. or any additional or successor at governs the same subject matter ("HPA"). These rights under the HPA may include the res. to request and obtain canceliation of the Mortgage Insurance, to have t‘“?e Mortgage y. and/or to receive a refund of any Mortgage Insurance premiums that were unegarned mination. ment a?d App! cat ion of Misceilaneous Proceeds: Forfeiture. {a) Assignment of Miscellaneous Proceeds. Borrower is unconditionaily assigning the right to raceive all Miscel- Frocecds o Lender and agrees that such amounis will be paid to Lender, (b} Application of Msgcenanecus Proceeds upon Damage to Property. If the Property is damaged, any Miscellaneous 3IE on or repair of the Property, if Lender deems the restoration or repair to be economically not be lessened by such restoration or repair. During such repair and restoration period, ol d such Miscelianecus Proceeds untlt Lender has had an opportunity to inspect the Property v completed © Lender's satisfaction (which may include satisfying Lender's minimum eligibility regUis 15 for persons ,,,),nmr;g the Property, inciuding. but not limitea to, licensing, bond, and insurance requirements) As ares foragoing. ma FOWETE Wi ‘:‘ CREGON - Singis iy — Fannig Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 (7/2021 ICE Mortgage Technology, Inc. Page 7 of 12 OR21EDEED 0322 OREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 provided that such inspection must be undertaken promptly. Lender may pay for the repairs and restoration in a single dis- burss mw? or in a series of progress payments as the work is completed, depending on the size of the repair or restoration, - repair agreement. and whether Borrower is in Defauit on the Loan. Lender may make such disbursements : person repalfing or restoring the Property, or payable jointly to both. Unless Lender and Borrower pOHE hie Law requires interast to be paid on such Miscellaneous Proceeds. Lender will not be required / a5t or earmnings on such Miscellaneous Proceeds, f Lender deems the restoration of repair not 1o ible or Le”.aee s security would be lessened by such restoration of repair, the Misceilan 1e0US Froceads sums secured by this Security instrument, whether or not then due. with the excess, IV any, paid © £ cllanecus Proceeds will be applied in the order that Partial Payments are applied in Section 2(b). {f*} Appiscatson of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss in Value of the Property. : taking. destruction, or loss in value of the Property. all of the Miscellaneous Proceeds will be applied y thig Security If*strumen* whether or not then due, with the excess, if any, paid to Borrower. } destruction, or igss in value of the Property (each, a "Partial Devaluation™ where the micdiately ue‘“'fa tne Partial Devaluation is equal 1o or greater than the amount of the LT mmediately befors the Partial Devaluation. a pe tage of the M ed by ihis Security Instrumaent unless Borrower and Lender otherwise agreg in veous Proceeds that will be so applied is delermined by mullipiying the total amount of rcentago calculated by faking (i) the fotal amount of the sums secured immediately ividing it by (it} the fair market vaiue of the Praperty immediately before the Partial cetianeous Proceeds will be paid to Borrower. tion where the fair market value of the Property immediately before the Partial Devalu- he SUMS mecursd immeadiately before the Partial Devaluation. all of the Miscellaneous ad by this Security Instrument, whether or not the sums are then due, unless 9 at t -'ht!??] {d) Se?iement 0 Ciaims Lcnoer is authorized © collect and apply the Misceilaneous Proceeds either 16 the sums SEcurity *nttmmem whether or not then due, or o restoration or repair of the Property. f Borrower op—"r* ,, or (i falls to respond fo Lender within 30 days after the date Lender notifies Borrower that defined in the next sentence) offers to settle a claim for camages. "Opposing Party” means the Barrower the Miscellanecus Preueeos or the party against whom Borrower has a right of action in : & FProceeds. (e} Pmceedmg A?ect ing Lender’s Interest in the Property. Borrower will be in Default if any action or proceeding i itoreniminal, that, in Lender's judgment, could resultin forisiture of the Property or other material impair- nterest i the Property or rights under this Security Instrument. Borrower can cure such a Default and., if rred, reinstale as provided in Section 20, by causing the action or proceeding to be dismissed with i 118 are'“luoes forfeiture of the Property or other matenal impairment of Lender’s interest in y Instrument. Borrower is unconditionally assigning to Lencer the proceeds of any ibutable to the impairment of Lender's imerest in the Property, which proceeds will 15 Proceeds that are not applied o restoration or repair of the Property will be ap j . ; e applied in Section 2(b}. 1"-* Borrf;wer Not Reieased Forbearance by Lender Not a Waiver. Borrower or any Successor in Interest of Bor- : sased from Liabi I.ty under this Security Instrument if Lender extends the time for payment or modifies he surrs secured by this Securily Instrument. Lender will not be required to commence proceedings | st of Borrower, or 1o refuse o extend time for payment or otherwise modify amortization of ity Instrument, by reason of any demand made by the original Borrower or any Successors ny forbearance by Lender in exercising any right or remedy including, without limitation, Lender’s n third persons. entities. or Successors in Interest of Borrower or in amounts less than the be a waover of, or preciude the exercise of, any right or remedy by Lender, 14, Joint and Several L:abmty, Sugnatorues, Successors and Assigns Bound. Borrower's obligations and liability er this Security Instrumant will be joint and several. However, any Borrower who signs this Security Instrument but tha Note: (a} &lms* s Security Instrument to martgage. grant, and convey such Borrower’s intergst in the f is Securily instrument: (b) signs this Security instrument to waive any applicable inchoate 1d any available homestead exemptions: () signs this Security Instrument to assign f JJ” Hents. or other earnings from the Pfooerty to Lender; (d) is not personally obligated o pay 1 the Note or this Becurity Instrument; and (e} agrees that Lender and any other Borrower can agres 3 OF make any accommadations with a’egafd to the terms of the Note or this Security Instrument s consent and without affecting such Borrower's obligations under this Security Instrument, e provisions of Section 19, any Successor in Interest of Borrower who assumes Borrower's obligations nstrument in writing, and is awp'ove? by Lender, will obtain all of Borrower's rights, obligations, and nent. Borrowar will not be relpascd from Borrower's obligations and liability under this agrees to such release in writing. =i " to exlend ‘w!!f‘-(*lu SUET ) Tax and Faood Dei?rmlnation Fees. Lender may require Borrower 1o pay (i) 2 one-time charge for a real estate : r service used by Lender in connection with this Loan, and (i) either (A} a one-time charge tfication, and tracking services, or (B) a cne-time charge for flood zone determination eguent charges each time remappings or similar changes occur that reasonably might cation. Borrower will aiso be responsible for the payment of any fees imposed by the nt Agency, or any successor agency, at any time during the Loan term. in connection with QREGON ~ Single iy — Fannie Mag/Freddie Mac UNIFORB INSTRUMENT (MERS) Form 3038 07/2021 ICE Mortgage Technolagy, Inc. Page 8 of 12 ORIEDEED 0322 OREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 (b} Detault Charges if sermitted under Appiicable Law, Lender may charge Borrower fees for services performed in 11 ',orru, er's Defauit to protect Lender's interestin the Praperty and rights under this Security | nst"umem > atiorneys’ fces and costs; (i} property inspection, valuation, mediation, and loss mitigation fee an cqu 3 co.lected or to be col Ie\,t d in Conneot|0rl with the Loan excecd me QC"’TH?cd fimits, th@n varge will be reduced by the amount necessary to reduce the charge 1o the permitted limit, and (il any a from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose reducing the principal owed under the Note or by making a direct payment to Barrower. If a refund tion will be treated as a partial prepayment without any prepayment charge (whether or not a fed ‘u under the Note). To the extent permitied by App?'came Law, Borrower's accepiance of ment to Borrower will constitute a waiver of any right of action Borrower might have & Law requires a different method. any writen notice fo Borrower in con- med {0 have been given to Borrower when (i) mailed by first class mail, ress {as defined in Section 18{c) below) if sent by means other than first ation (as defined in Section 16{0) below). Notice o any one Borrowsar will constifute g AD ?licagle Law expressl} requires otherwise. If any notice t© Barrower required by this .e’i under Applicable Law, the Applicable Law requirement will satisty the corresponding LN us Seourity Instrument. (b) Ezeciran:c Not;ce to Borrower. U"]It.,SS another delivery method is required by Applicable Law. Lender may provide by e-mail or other electronic communication (“Electronic Communication™) if: (i) agreed to by Lender 1wy (1) Borrower has pfovsdeu Lender with Borrower's e-mail or other eiectronic address ("Electronic rprovi d = Borrower with the option to receive notices by first class mail or by other non-Electronic wicad of by Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any sent by E ectronic Communication in connection with this Security Instrument will be deemed to have wer :.f‘%{:r* sent uniess Lender becomes aware that such netice is not delivered. If Lender becomes tice sent by Electronic Communication is not delivered. Lender will resend such communication o or by other non-Electronic Communication. Borrower may withdraw the agreement to receive rom Lander at any time by providing wriiten notice 1o Lender of Borrower's withdrawal of [sle "i {c } Lorrower sNonce Address The address o which Lender will send Borrower notice ("Notice Address™ will be the 3 § er has designated a different address by written notice to Lender. # Lender and Borrower an by Electronic Communication, then Borrower may designate an Electronic Addrass ,;»‘cm tly notify Lender of Borrower's change of Notice Address, including any changes ess f designated as Notice Address. I Lender specifies a procedure for reporting Borrower's ihen Emrowex will report a change of Notice Address only through that specitied procedure (ci) Notlce_> to Lender. Any notice to Lender will he given by delivering it or by mailing it by first class mail to Lender’s , nalrument undess Lender has designated another address {including an Electronic Address) . 1 connection with this Security Instrument will be desmed to have been given to Lender ed by Lender at Lender's designated address {which may include an Electronic Address). If any nolice 1o Lender required by this Security Instrument is also required under Applicabie Law, the Applicable Law require- ment will satisly the corresponding requirement under this Security Instrument. {e} Borrower's Physical Address. In addition to the designated Notice Address, Borrower will provide Lender with t*?- ¢ address where Borrower physically resides. if different from the Property Address, and notify Lender whenever this address of 17 Govemmg Law; Severaba!tty Rules of Construction. This Security Instrument is governed by federal law and = of Oregon. All rights and onligations contained in this Security Instrument are subject to any raguire- s of Ap 'Jlu.nbie Law. I any provision of this Security Instrument or the Note conflicts with Applicable of t other provisions of this Security Instrument or the Note that can be given affact without ] ;uch contlicting provision, to the extent possible, will be considered modified to comply > Law might explicity or imolicitly allow the parties o agree by contract or it might be silent, L,O'W* ued as a prohibition against agreement by contract. Any action required under this n accordance with Applicable Law is 1o be made in accorda?fe with the Applicable Law e iS underiakan. f.urris m the singuiar will mean and inciude the plural and vice versa: (b the n o take any aclion: (c) any reference to "Sa ,mm in this document nis Security !n_trume?t uniess otherwise noted, and (g} the heacdings and captions are of referencs and do not defing, limit, or describe the scope or intent of this Securily Instrument tmv' paragraph. or provisior 18. Borrower's Copy. Une Borrower will be given one copy of the Note and of this Security Instrument. 19. Transfer m‘ the Property or a Beneficial Interest in Borrower. For purpases of this Section 19 only, “Interest in ty means any legal or beneficial interest in the Property, including. but not fimited to, those beneficial interests lange o OREGON - ICE Morigage Terhrology inc. Page 9 of 12 CR2IEDEED (322 v — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 2038 (7/2021 CREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 and for geed. contract for deed. instailment sales contract, or escrow agreement. the intent of which is v Borrower to a purchaser at a future date. na of the Broperty or any Interest in the Property is sold or transferred (ar if Borrower is not a natural neficial interest in Borrower (s sold or transferred) without Lender’s prior writlen consent, Le?dnr may oo ayme?a ir fuli of ali sums secured by this Security instrument. However, Lender will not exercise this is prohibited by Applicable Law. ercises this option. Lender will give Borrower notice of acceleration. The notice will provide a period of days from the date the notice is given in accordance with Section 16 within which Borrower must pay { by this Security Instrument. if Borrower fails o pay these sums prior to. or upon. the expiration of this sirvoke any remedies permitted by this Security Instrument without further notice or demand on be entitted to collect all expenses incurred in pursuing such remedies, including. but not kmited to: : and costs: (b)Y property inspection and valuation fees: and (¢} othar {ges incurred 1o protect oparty and/or rights under this Security Instrument, 20. BDrrO\Jer s Right to Rennstate the Loan after Acceleration. | Borrower meets certain conditions. Borrower ; o Loan and have enforcement of this Security Instrument discontinued at any time up & any foreclosure sale of the Property, or (b) such other period as Applicable Law might w of Borrawer's right to reinstate. This right to reinstate wili not apply in the case of acceleration wer must satisty all of the following conditions: {aa) pay Lender all sums that then would 1 zmnm ar“f the N@tc as if no acceleration had occurred; (bh) cure any D@fau%t ot any i G Nole snc*udmg but nr}i mted to: (i) ve’zsonable a?ornoys fees and costs; w} property ees; and (i) other fees incurred to protect Lender's interest in the Property and/or rights under ort Nete: and (dd) take such action as Lender may reascnably reguire o assure that Lender’s » and/or rights under this Security Instrument or the Note, and Borrower's obligation to pay the g Security Instrument ¢r the Note, will continue unchanged. dre that Borrower pay such reinstatement sums and expenses in ong or maore of the foliowing forms, o (bbb money order: {ccoy certified check, bank check. treasurer’s check. or cashier’s g draswn upon an inshtution whose deposits are insured by a U.S. federal agency. instru- ?{—:ut.\m ¢ Fund Transter. Upon Borrowsr's reinstatement of the Loan. this Security Instrument s Secunty Instrument will remain fully eflective as if no acceleration had occurred. 21 _m%e of Noie The Note or a partial interest in the Note, together with this Security Instrument, may be soid or wise | rredd on ne Of more times. Upon such a sale or other transfer, all of Lender’s rights and obligations under 151 will convey 1 Lender’s successors and assigns. 22. Loan Servicer. Lender may take any action permitied under this Security Instrument through the Loan Servicer roaul i represeniative. such as a sub-servicer. Borrower understands that the Loan Servicer or other of Le?v‘er has the right and autherity 1o take any such action. ne oF more times during the term of the Note The Loan Servicer may or may not ervicer has the right ancf authority to: {a) collect Periedic Payments and any other S@\,ur?y Instrument; { ) perform any other mortgage loan servicing obligations: u-'r‘fd::. ‘ ’\Jote his Security Instrument, and Applicable Law on behall of Lender If there is a r t:so'*o wer will en written notice f‘he change which will state the name and address rvicer, the address o which payments should be made, and any other information RESPA requires elele 1 a notice of transfer of servicing. 23. hmxce of Grievance. Until Borrower or Lender has notified the other party {in accordance with Section 16) of choang aflorded the other party a reasonable period after the giving of such notice to take corrective Borrower nor Lender may commence, join, or te joined to any judicial action {either as an individual » wer of a class) that {a) arises from the other party’s actions pursuant to this Security Instrument or the MNote. or (D) alleges that the other parly has breachad any provés%on of this Security Instrument or the Note. [f Applicable Law provides a lime period that must elapse before certain action can be laken, that time penod will be deemed to be reasonable for purposas of this Section 23. The nolice of Default given to Borrower pursuant to Segtion 26(a) and the notice of acceleration given o Borrower pursuant to Section 18 will be deemed to satisfy the notice and opportunity to take corrective action provistons of this Section 23, 24. Hazardous Substances. (a) Defsnstsons As used in this Section 24 (i} "Environmental Law” means any Applicable Laws where the Property ‘prt‘“l‘ or envi o?mema\ prote tion: M ‘Haza'dou" 5 ibs?arwces"’ inc dde =r-« those suh* 1 oonn ene, ot h?r r!ammao\e or toch perrmoum products. tox;c peshcsoes cmd herbic&des. volatile } estos or formaldehyde, corrosive malerials or agents, and radioactive materials; ies any response action, remedial action. or removal action, as defined in Environ- ‘ ntal Condition” means a condition thal can cause, contribute to, or otherwise trigger D Emdronment: {b) Heslrictions on Use of Mazardous Subsilances. Borrower will not cause or permit the presence, use. disposal, ; s of any Mazardous Bubstances, or threaten (o release any Hazardous Substances, on or in the Property. O, nar z?si oW myene alse to do, anyt’rxing affecting the Property that: (i) viclates Environmental Law cnmanta rsely affects or cauid adversely affect the value of the Property. The preceding two sentences will not G, LB, or storage on the Property of small quantities of Hazardous Substances that are generally OREGON - ;- Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 3038 072021 ICE Morigage Technology., inc. Page 10 of 12 ORz*EDEED 0322 OREDEED {CLS) 08/01/2028 01:14 PM PST LOAN #: 1034000825182 recognized to be appropriate o normal residential uses and to maintenance of the Property (including, but not limited to. hazardous substances in consumer products). {t} Notices: Remedial Actions. Borrower will promptly give Lender written notice of: {ij any investigation, claim, demand, lawsuit, or other action by any governmental or regulatory agency or private party invelving the Property and any H zzhi“dmsp Supstance or Environmnantal Law of which Borrower has actual knowledge: (i) any Environmental Condition, tlimited to, any spilling, leaking, discharge, release, or threat of release of any Hazardous Substance; and med Dy the preseme. use, or release of a Hazardous Substance that adversely affects the value of ner remediation Of any Hazardous Suosrance a?ectung the Pzop?rt;‘ is necessary, Borrowar wil promoily sary remedial actions in ascordance with Environmental Law. Nothing in this Security Instrument will create | woon Lender for an Environmental Cleanup. 5. Electronic Note Signed with Borrower’s Electronic Signature. If the Note evidencing the debt for this Loan Borrower acknowledges and represents to Lender that Berrower: (a) expressly consented and inlendsd 1o Note using an Electronic Signature adopied by Bosrower {("Borrower’s Electronic Signature”) instead n Horrower's written pen and ink signature; (b) did not withdraw Borrower's express consent ing Borrower's Electronic Signature; {) undersiood that by signing the electronic Note using . Borrower promised fo pay the debt evidenced by the electronic Note in acoordance with i @fro{‘;c No e with SOrrowr—‘r s Elactronic Signature with the intent and understanding that ised o pay the debt evidenced by the electronic Note in accordance with i1s terms. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follo 26, Acceleration; Remedies. {a) Notice of Defaull. Lender will give a nolice of Defauit to Borrower prior to acceleration following Borrower’s Detault, except that such notice of Default will not be sent when Lender exercises its rignt under Section 19 unless Appli- cable Law provides otherwise, The notice will specify, in addition o any other information required by Applicable Law: {i} the Defaull: (1) the action required fo cure the Defaué t: (i) a date, not less than 30 days (or as otherwise specified by Apph caa e Law) from the dale the notice is given to Borrower, by which the Default must be cured: (v} that failure to cure ' fore the date specified in the notice may result in accelgration of the sums secured by this Security sie of the Progerty: (v) Borrower's right to reinstate after acceleration; and (vi) Borrower’s right to bring a court action (o deny the existence of a Default or {0 assert any other defense of Borrower o acceleration and sale. {b} Acceleration; Power of Sale; Expenses. If the Default is not cured on or before the date specified in the notice, L er‘zder may require immediate payment in full of all sums secured by this Security instrument without further demand hm power of sale and any other remedies permitied by Applicable Law. Lender will be entitled 1o collect \,L.“Su.r’xq the ramedies provided in this Section 28, including, but not imited to: {) reasonable rustess feas and cosis and other fees and cosis associaied with the enforcement of this Security wiading but not Umited (o, foreciosure rusieg’s and sherff's fees and costs, and title costs; (i) property 15 Pvaluation fees) and (i) other fees mcourred unless prohibited by Applicable Law for the purpose of protect- ing Lenders | in the Property and/or rmh.s under this Security instrument. (o) Nms“@ of Sale; Sale of Property, If Lender invokes the power of sale, Lender will execute or cause Trustee 10 axecule a written notice of the cccurrence of an event of Default and of Lander’s election to cause the Progerty 1o be soid andd w |-é cause such m ice © be recorded in each county in which any part of the Property is located, Lender or Trustee will glve notice of sale in the manner grescrébed by Applicable Law to Borrower and {o other required recipients. At a time permy *1@&; by, and in accordance with, Applicable Law, Trustee, without further demand on Borrower, will seil the Property at public auction ?0 the highest bidoer at the time and place and under the terms designated in the nolice of sale inone maore parcels and in any order Trusiee determines. Trustee may vostpene sale of all or any parce! of the Property by ?ub%éo announcement at the time and place of any previously scheduled sale. Lender or its designee may purchase the Property at any sale. {c} Trustee's Deed; Proceeds of Sale. Trustee will deliver to the purchaser a Trustee’s deed canveying the Property without any covenant or warranty, expressed or impiied. The recitais in the Trustee’s deed will be prima facie evidence of the truth of the statements made in that deed. Trustee will apply the proceeds of the sale in the foillowing order, or as otherwise required by Applicable Law: (i) to all axpenses of the sale, including, but not limited to, reasonable Trustee's and reasonable attorneys fees and costs: {1} o all sums secured by this Security Instrument; and (i) any excess o the CErsorn o7 persens jegally entitled to it 7. Rac@nveyan?e Upon payment of all sums secured by this Security Instrument, Lendar will request Trustes ha Q*’QSP’?‘J and will surrender this Security instrument and all Notes evidencing the debt secured by this .»ya%(@e. Upon such request, Trustee will reconvey the Proparty without warranty 1o the person or H wi}f it Ed i Such person or persons will pay any recordation cosls associated with such reconveyance. ar may chargs such person or persons a fee for reconveying the Property, but only if the fee is paid 1o a third pariy ol as stag) for services rendered and the charging of the fes is permitted under Applicabie Law. 28. Substitute Trustee, Lender may, from time © time, by itself or through the Loan Servicer. or any other duly appointed agent or nomines 07 Lender! remove Trustea and appoint a successor trustee fo any Trustee appointed under this Security Instrument. Without conveyance of the Progerty, the successor trustee will succeed to all the title, power, and dulies conferred upon Trustee in this Security instrument and by Applicable Law. 28. Aftlorneys and Others’ Fees. Lender will be entitied to recover its reasonable attorneys’ and/or foreclosure s fees and cosis in any action or proceeding o construe or enforce any term of this Securily Instrument unless prohibi *m‘ ar rfsénct@a by Applicable Law. The term “afiorneys’ fees.” whenever used in this Security Instrument, includes without limitation atiorneys fees incurred by Lender in any bankrupicy or appeiiate proceeding. L OREGON - Singie Family - Fannie Mag/Freddie Mac UNIFORE INSTRUMENT (MERS) Form 3038 0772621 ICE Mortgage Technalogy. Inc. Page 11 0of 12 ORZIEDEED 0327 OREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 et I0N £ b ey Section 9 1o ot prowect Lender's interest in the Property and rights under this Security Instrument. 31 Required Evidence of Property Insurance. WARNING ment, cender may purchase insurance at Borrower's expense o protect Lender’'s interest. This nay. but need not. also protect Borrower's interest. If the collateral becomes damaged. the coverage = may not pay any claim Borrower makes or any claim made aganst Borrower, Borrower may overage by providing evidence that Borrower has obtained property coverage elsewhere. ible for the cost of any insurance purchased by Lender. The cost of this insurance may be r Borrower's loan balance. If the cost is added to this contract or Borrower's loan balance, underlying contract or foan will apply to this added amount. The effeclive date of coverage r's prior coverage lapsed or the date Borrower failed to provide proof of coverage. ¢ be considerably more expensive than insurance Borrower can obtain need for property damage coverage or any mandatory liability insurance oie Law. f oy Appt BY SiGH W, Borrowar accepts and agrees to the terms and covenanis contained in this Security Instrument and mn any | signed oy Borrower and recorded with it b Oé,./c 2[00 ¢ (seal) DATE 06/ 02 [28&F DATE State of Oregen— i{/"/f') ?fl[e’fa’i County of KLAMATH gf/a’;é This record was acknowledged before me on 7/[/7“7 &, 202 {date) by KC SANTOSH and ANJU DHOJU. s Notary Public, State of 0775, U{L&W Lender: CrossCountry Mortgage, LLC NMLS ID: 3029 Loan Originator: Scott Bryant NMLS ID: 2094055 OREGON - Singls Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT (MERS) Form 2038 07/202¢ ICE Mortgace Technology, Inc. Page 12 of 12 OR2YEDEED 0322 OREDEED (CLS) 06/01/2026 01:14 PM PST LOAN #: 1034000825182 MIN: 1007191-0004174806-0 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Rider) 15 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER Hk:*? > Rider'y is made this 1st day of June, 2026, and is incorporated 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 gne of more persons undersigned) to secure Borrower's Note to CrossCountry Mortgage, LLC, a Limited Liability Company “Lender”) of the same date and covering the Property described in the Security Instru- ment. which is located at: 6409 Orinda Dr, Klamath Falls, OR 97603. In addition to the representations, warranties, covenants, and agreements made in the Security instrut nert Borrower and Lender further covenant and agree that the Security Instrument is amended as follows: A. DEFINITIONS 1. The CEFINITIONS section of the Security Instrument is amended as follows: “Lender” is CrossCountry Mortgage, LLC. tenderis a Limited Liability Company organized and existing under the laws of Delaware. Lender’'s address is 2160 Superior Avenue, Cleveland, OH 44114, ender 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 sclely 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 48501-20286, tel. (888) 679-MERS. MERS is appointed as the Nominee for Lender 1o exercise the rights, duties and obligations of Lender as Lender may from time to time direct, including but not limited o 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 D’“’DC?’ late under this Security Instrument. The term “MERS” includes any successors st 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 DEFINITIONGS section of the Security Instrument is further amended to add he following defirition: “Nominee” means one designaied 1o act for another as its representative for a limited purposs. MERS BIDER - zraly — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 31588 072 ICE Mortgage Tech“o\ogy Inc. Page 1o0f4 Faiagv2irDU Go22 F3158RLU (CLS) C6/01/2026 01:14 PM PST LOAN #: 1034000825182 B. TRANSFER OF RIGHTS IN THE PROPERTY The TRANSFER OF RIGHTS IN THE PROPERTY section of the Security Instru- ment is amended to read as follows: This Security Instrument secures to Lender (i) the repayment of the Loan, and ail renewals, extensions, and modifications of the Note, and (i} the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of Klamath: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A". APN #: R901466 which currently has the address of 6409 Orinda Dr, Klamath Falls, [Street] [City] Y 603 {"Property Address”); [Zin Code) OR 97 TOGETHER WITH all the improvements now or subsequently erected on the property, inciuding replacements and additions to the improvements on such prop- erty, all property rights, including, without limitation, all easements, appurtenances, royalties, mineral rights, oil or gas rights or profits, water rights, and fixtures now or subseguently a part of the property. Al of the foregoing is referred to in this Security Instrument as the “Property” Lender, as the beneficiary under this Security Instrument, designates MERS as the Nominee for Lender. Any notice required by Applicable Law or this Security 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 o Lender, including, but not limited to, the right 1o foreclose and sell the Property; and o take any action required of Lender including, but not limited to, assign- ing and releasing this Security Instrument, and substituting a successor frustee. C. NOTICES; BORROWER’'S PHYSICAL ADDRESS Section 16 of the Security Instrument is amended 1o 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. Uniess Applicable Law requires a different method, any written notice 1o Borrower in connection with this Security Instrument will be deamed to have been given 1o Borrower when (i) mailed by first class mait, or MERS RIGER Farm 3158 O ICE Mortgage Technology, Inc Page 2 of 4 F3758v21R0U 0822 F3158RLU (CLS) l%';jg%rl'b Famsly - Fannie Mae/freddie Mac UNIFORM INSTRUMENT 068/01/2026 0114 PM PST LOAN #: 1034000825182 1) actually delivered to Borrower’s Notice Address (as defined in Section 16(¢c) nelow) if sent by means other than first class mail or Electronic Communication (as ined n Section 16(b) below). Notice to any one Borrower will constitute notice to | Borrowers unless Applicable Law expressly requires otherwise. If any notice to s required by this Security Instrument is also required under Applicable Law, plicable Law requirement will satisfy the corresponding requirement under "‘36’“ ity instrument. {lz} Electronic Notice to Borrower. Unless another delivery method is required b\; Applicable Law, Lender may provide notice to Borr@we; by e-mait or other elec- cnic communication (“Electronic Communication”) if: {i) agreed to by Lender and Borrower in writing: (i) Borrower has provided Lender wath Borrower's e-mail or other glect r"fec wddress {(“Electrenic Address”); (iii) Lender provides Borrower with the ceive notices by first class mail or by other non-Electronic Communication a y Electronic Communication; and (iv) Lender otherwise complies with Apr icar‘ze Law. Any notice to Borrower sent by Electronic Communication in con- nection with this Security instrument will be deemed to have been given o Borrower when sent unless Lender becomes aware that such notice is not delivered. If Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will resend such communication to Borrower by first class mail or by other non-Electronic Communication. Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by providing written notice to Lender of Borrower’s withdrawal of such agreemant. {c) Borrower’s Notice Address. The address to which Lender will send Bor- rower notice ("Notice Address”) will be the Property Address unless Borrower has cesignated e different address byf written notice to Lender. If Lender and Borrower f:aree: maz notice may be given by Electronic Communication, then Borrower e an Electronic Address as Notice Address. Borrower will promptly Le dez 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 mail- ing it by first class mail to Lender's address stated in this Security Instrument unless Lender has designated another address (including an Electronic Address) by notice to sorrower. Any notice in connection with this Security Instrument will be deemed to have been given 1o Lender only when actually received by Lender at Lender's designated address (which may include an Electronic Address). If any notice o 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 untit MERS’ Nominee interest is termi- nat tad. Any notice provided by Borrower in connection with this Security Instrument il 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 difterentfrom the Property Address, and notify Lender whenever this address changes. :r) .- r« D. SALE OF NOTE Section 21 of the Security Instrument is amended to read as foliows: 21. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument, may be seld or otherwise transferred one or more times. Upon such a sale or other transier, all of Lender's rights and obligations under this Security MERS RIDER - Form 3158 & ICFE Martgage Tec**no ogy. | Page 3 of 4 F31a8vzinby 0822 F3158RLU (CLS) 068/01/2026 01:14 PM PST iy - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT LOAN #: 1034000825182 mstrument will convey to Lender's successors and assigns. Lender acknowledges 1 until it directs MERS to assign MERS's Nominee interest in this Security Instru- i, MERS remains the Nominee for Lender, with the authority to exercise the righis of Lender. m SUBSTITUTE TRUSTEE Secton 28 of the Security instrument is amended to read as follows: 28.5ubstitute 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 o act. Without conveyance of the Property, the successor trustee will succeed 1o all the title, power, and duties conferred upon Trustee and by Applicable Law, BY SIGNING BELOW, Borrower accepts and agrees o the terms and covenants contained in this MERS Rider. C{/é 2 f 28 (Seal) KC SANTOSH s BATE 6 6 |82./2826(sea) ANJU DHOJU ' " DATE MERS RIDER ; ~ Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Farme 3158 Q72001 ICE Mortgage Technology. Inc. Page 4 of 4 FR158v21R0DU 0627 F3158RLU (CLS) 06/)1/2026 01:14 PM PST EXHIBIT “A” 1081163 Lot 3 TRACT 1543 - SUNSET VILLAGE 15TH ADDITION, according to the official plat thereof on file in the office of the County Clerk, Klamath County, Oregon.