2026-002350 Klamath County, Oregon 03/17/2026 11:04:01 AM Fee: $92.00 When recorded, return to Rogue Credit Union Atin: Mortgage Servicing 1370 Center Drive Medford, OR 97501 [Space Above This Line For Recording Data] MIN: 1006273- 0000007318-4 MERS Phone: 1-888-679-6377 LOAN MODIFICATION AGREEMENT (Providing for Adjustable Interest Rate) This Loan Modification Agreement (“Agreement”), made this _5th_day of March , 2026, between Robert D Wanner and Franklin E Wanner (“Borrower”) and __Rogue Credit Union (“Lender”}, amends and supplements (1) the Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”) dated QOctober 4, 2024 and recorded in Book or Liber , at page(s) _2024-008759 , of the County Records of Klamath Klamath Oregon and (2) the (Name of Records) {County and State, or other Jurisdiction) Note, bearing the same date as, and secured by, the Security Instrument, which covers the real and personal property described in the Security Instrument and defined cherein as the “Property”, located at 2526 Wiard St, Klamath Falls, Oregon 97603 (Properry Address) "The real property described being set forth as follows: Parcel 2 of Land Partition 31-16, being Lot 9 and a portion of Vacated Alley of Gienger's Home Tracts, situated in the NE1/4 SW1/4 of Section 2, Township 39 South, Range 9 East of the Willamette Meridian, Klamath County, Oregon, recorded June 30, 2017 as 2017-007394, records of Klamath County, Oregon. APN #: 899242 THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER’S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. In consideration of the mutual promises and agreements exchanged, the paries herero agree as follows (notwithsranding anything to the contrary contained in the Note or Security Instrument): 1. Asof March 5, 2026 , the amount payable under the Note and the Security Instrument {the “Unpaid Principal Balance”) is U.S. $ 196,940.20 , consisting of the unpaid amount(s) loaned to Borrower by Lender plus any interest and other amounts capitalized. 2. Borrower promises to pay the Unpaid Principal Balance, plus interest, to the order of Lender. Interest will be charged on the Unpaid Principal Balance at the yeary rate of __6.375 %, from April 1 , 2026 . The interest rate Borrower will pay may change in accordance with the terms of the Note. Borrower promises to make monthly payments of principal and interest of U.S. $ 1,234.43 beginning on the _1st day of May , 2026 . The amount of Borrower’s monthly payments may change in accordance with the terms of the Note. Borrower will conrinue to make monthly payments on the same day of each succeeding menth undil principal and interest are paid in full, excepr that, if not sooner paid. the final payment of principal and interest shall be duc and payable on the _1st day of ___November _ . 2055 , which is the present or extended Maturity Date. LOAN MODIFICATION AGREEMENT:. Single Family—Fannic Mac UNIFORM INSTRUMENT Form 3161 G706 (rev. 6/12} (page | of 2) 3. If on the Maturity Date, Borrower still owes amounts under the Note and the Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. 4. Borrower understands and agrees that {a) All the rights and remedies, stipulations, and conditions contained in the Security Instrument relating to default in the making of payments under the Securicy Instrument shall also apply to default in the making of the modified payments hereunder. (b) All covenants, agreements, stipulations, and conditions in the Note and Security Instrument shall be and remain in full farce and effect, except as herein modified, and none of the Borrower’s obligations or liabilities under the Note and Security [nstrument shall be diminished or released by any provisions hereof, nor shall this Agreement in any way impair, diminish, or affect any of Lender’s rights under or remedies on the Note and Security Instrument, whether such rights of remedies arise thereunder or by operation of law. Also. all rights of recourse to which Lender is presently entitled against any property or any other persons in any way obligated for, or liable on, the Note and Security Instrument are expressly reserved by Lender. (c) Nothing in this Agreement shail be understood or construed to be a satisfaction or release in whole ot in part of the Note and Security Instrument, (d) All costs and expenses incurred by Lender in connection with this Agreement, including recording fees, title examinartion, and attorney’s fees, shall be paid by the Borrower and shall be secured by the Sccurity Instrument, unless stipulated otherwise by Lender. (e Borrower agrees to make and execute such other documents or papers as may be necessary or required to effectuate the terms and conditions of this Agreement which, if approved and accepted Lender, shall bind and inure to the heirs, executors, administratars, and assigns of the Borrower. (Seal) (Seal) Rogue Credit Union -Lender Robert D Wanner -Borrower s Aands Daile) I . Title: mm—l???@[___ Franklin E Wanner -Borrower 03) I\p_/ 70l Date of Lender’s Signature {Space Above This Line For Recording Data) State o OREGo! State of _Oegon Counry of__ ¥y ama1n County of __¥iamamt This record was acknowledged This record was acknowledged before me this _te day of __Mase 2026 before me this o dayof _Mpaw 202 by_Amaupa Baney- Beancn Mavager by_Re 7,4“/0\/4 /Af, Z e L2 (%/Z Notary Public Nolary Public My Commission Explrcs_L!.H_'i,_ZD.Z&.__ My Commission Explres__jmx 4, 2028 QFFICIAL STAMP OFFICIAL STAMP NICK A BUCKINGHAM NICK A BUCKINGHAM NOTARY PUBLIC - OREQON NOTARY PUBLIC - OREGON COMMISSION NO. 1049828 COMMISSION NO. 1049828 MY COMMISSION EXPIRES JULY 14, 2028 MY COMMISSION EXPIRES JULY 14, 2028 LOAN MODIFICATION AGREEMENT - Single Family—Fannic Mac UNIFORM INSTRUMENT Form 3161 6/06 (rev. 6/12) (page 2 of 2)