When recorded, return to: Directors Mortgage, Inc. <br />Attn: Final Document Department <br />4550 Southwest Kruse Way, Suite 275 <br />Lake Oswego, OR 97035 1-503-636-6000 <br />Title Order No.; WT0230895 <br />Escrow No.: WT0230895 LOAN #: 211125883 <br /> (Space Below This Line For Acknowledgment) <br />DEED OF TRUST <br /> MIN 1002473-3000123049-1 | MERS PHONE #: 1-888-679-6377 <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, <br />20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />(A) “Security Instrument” means this document, which is dated December 17,2021, — together with all Riders to <br />this document. <br />(B) “Borrower” is ANN DEE JO HRUBY AND STANLEY JOHN HRUBY, AS TENANTS BY THE ENTIRETY. <br />Borrower is the trustor under this Security Instrument. <br />(C) “Lender” is Directors Mortgage, Inc.. <br />Lender is an Oregon Corporation, organized and existing <br />under the laws of Oregon. <br />Lender's address is 4550 Southwest Kruse Way, Suite 275, Lake Oswego, OR 97035. <br />(D) “Trustee” is Western Title & Escrow Company. <br />(E) “MERS"” is the Mortgage Electronic Registration Systems, Inc. Lender has appointed MERS as the nominee for Lender <br />for this Loan, and attached a MERS Rider to this Security Instrument, to be executed by Borrower, which further describes <br />the relationship between Lender and MERS, and which is incorporated into and amends and supplements this Security <br />Instrument. . <br />(F) “Note” means the promissory note signed by Borrower and dated December 17, 2021. The Note states that <br />Borrower owes Lender TWO HUNDRED SEVENTY FIVE THOUSAND AND NO/100* *******ee*teeeeseeres <br />RARAAEEAAAARAKRAAARKRRRARAHREEAKRHEKAAEAE AREA KAEARHAAKRARARe AR Dollars (U.S. $275,000.00 ) <br />plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than <br />January 1, 2052. <br />(G) “Property” means the property that is described below under the heading “Transfer of Rights in the Property.’ <br />(H) “Loan” means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the <br />Note, and all sums due under this Security Instrument, plus interest. <br />OREGON - Singlo Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3038 1/01 <br />{CE Mortgage Technology, Inc. Page 1 of 10 <br /> <br />12/17/2021 10:03 AM PST <br />