[ 2026-002742 Klamath County, Oregon 03/30/2026 08:36:01 AM Fee: $152.00 Until a change is requested all tax statements shall be sent to the following address. Stacy M. Osborn 7517 Booth Rd Klamath Falls,OR 97603 USA When Recorded Mail To: Rocket Mortgage, LLC 1050 Woodward Ave Detroit, MI 48226-1906 (313) 373-0000 TAX ACCOUNT NUMBER: R875475 True and Actual Consideration is: $180,345.00 [Space Above This Line For Recording Data] DEED OF TRUST Osborn Mortgage Electronic Registration Systeins, Inc. Loan #: 3582704157 is the Nominee of Lender PIN: R875475 PO Box 2026 MIN: 100039035827041574 Flint, MI 48501-2026 MERS Phone: 1-888-679-6377 THIS DEED OF TRUST is made this 24 th day of March, 2026, among the Grantor, Stacy M. Osborn and Raymond E. Osborn, wife and husband (herein "Borrower"), whose addressis 7517 Booth Rd, Klamath Falls, OR 97603-9489, the Trustee, First American Title Insurance Company (herein "Trustee"), whose address is 1 First American Way, Santa Ana, CA 92707, and the Beneficiary, Mortgage Electronic Registration Systems, Inc. ("MERS"), as nominee for Rocket Mortgage, LLC (herein "Lender"), its successors and assigns. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. Rocket Mortgage, LLCis organized and existing under the laws of the State of Michigan, and has an address of 1050 Woodward Ave, Detroit, MI 48226-1906. Lender has appointed MERS as the nominee for Lender for the monetary amounts secured by this Deed of Trust, and attached a MERS Rider to this Deed of Trust, to be executed by Borrower, which further Rocket Mortgage, LLC (NMLS#:3030)|Rocket Mortgage, LLC (NMLS #: 3030)|Margaret O'Donnell (NMLS #1812837) OREGON - SECOND DEED OF TRUST - 03/18 (tcv. 04/25) 504.47 Page 1 of 9 ettt e Rkt hid [ Q103582704157002020002334a965c3d-67cc-40db8-bccb-518ec8702bbd0109 3582704157 describes the relationship between Lender and MERS, and which is incorporated into and amends and supplements this Deed of Trust. BORROWER, in consideration of the indebtedness herein recited and the trust herein created, lrrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of Klamath, State of Oregon: See Exhibit "A"- Legal Description Hereto and Made a Part Hereof Subject to Covenants of Record. which has the address of 7517 Booth R4, Klamath Falls, OR 97603-9489 (herein "Property Address"); TOGETHER with all the improvements now or hereafter erected on the property, and all casements, rights, appurtenances and rents (subject however to the rights and authoritics given hercin to Lender to collect and apply such rents), all of which shall be deemed to be and remain a part of the property covered by this Deed of Trust; and all of the foregoing, together with said property (or the lcaschold estate if this Deed of Trust is on a leasehold) are hereinafter referred to as the "Property”; TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note dated March 24, 2026 and cxtensions and renewals thercof (herein "Note"), in the principal sum of U.S. $180,345.00, with interest thereon, providing for monthly installments of principal and interest, with the balance of the indebtedness, if not sooner paid, due and payable on April 1, 2046; the payment of all other sums, with interest thereon, advanced in accordance herewith to protect the security of this Deed of Trust; and the performance of the covenants and agreements of Borrower herein contained. Borrower covenants that Borrower is lawfully seised of the estate hereby conveyed and has the right to grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtedness evidenced by the Note and late charges as provided in the Note. 2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments of principal and interest are payable under the Note, until the Note is paid in full, a sum (herein "Funds") equal to one-twelfth of the yearly taxes and asscssments (including condominium and planned unit development assessments, if any) which may attain priority over this Deed of Trust, and ground rents on the Propetty, if any, plus one-twelfth of yearly premium installments for hazard insurance, plus one-twelfth of yearly premium installments for mortgage insurance, if any, all as reasonably estimated initially and from time to time by Lender on the basis of assessments and bills and rcasonablc estimates thereof. Borrower shall not be obligated to make such payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior mortgage or deed of trust if such holder is an institutional lender. If Borrower pays Funds to Lender, the Funds shall be held in an institution the deposits or accounts of which arc insured or guarantced by a federal or state agency (including Lender if Lender is such an institution). Lender shall apply the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may not charge for so holding and applying the Funds, analyzing said account or verifying and compiling said assessments and bills, unless Lender pays Botrower interest on the Funds and applicable law Rocket Mortgage, LLC (NMLS #: 3030)|Rocket Mortgage, LLC (NMLS 4 3030)|Margaret O'Donnell (NMLS #: 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rev. 04/25) 504.47 Page 2 of 9 et SRt b [ Q103582704157002020002334a965¢3d-67 cc-4db8-becb-518ec8702bbd0209 3582704157 permits Lender to make such a charge. Borrower and Lender may agree in writing at the time of execution of this Dced of Trust that interest on the Funds shall be paid to Borrower, and unless such agreement is made or applicable law requires such interest to be paid, Lender shall not be required to pay Borrower any intercst or carnings on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the purposc for which each debit to the Funds was made. The Funds arc pledged as additional security for the sums secured by this Deed of Trust. If the amount of the Funds held by Lender, together with the future monthly installments of Funds payable prior to the due dates of taxes, assessments, insurance premiwms and ground rents, shall cxceed the amount required to pay said taxes, assessments, insurance premiums and ground rents as they fall due, such cxcess shall be, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly installments of Funds. If the amount of the Funds held by Lender shall not be sufficient to pay taxes, assessments, insurance premiums and ground rents as they fall due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as Lender may require. Upon payment in full of all sums secured by this Deed of Trust, Lender shall promptly refund to Borrower any Funds held by Lender. If under paragraph 17 hereof the Property is sold or the Property is otherwise acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Deed of Trust. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower for interest payable on the Note, then to the principal of the Note, and then to amounts under paragraph 2 hereof, if any. If Lender receives a payment from Borrower for a delinquent periodic payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one periodic payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the periodic payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more periodic payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Auy application of payments, insurance proceeds, or miscellaneous proceeds to principal duc under the Note shall not extend or postpone the due date, or change the amount, of the periodic payments. 4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust, including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Property which may attain a priority over this Deed of Trust, and leasehold payments or ground rents, if any. 5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and such other hazards as Lender may require and in such amounts and for such periods as Lender may require. The insurance carrier providing the insurance shall be chosen by Borrower subject to approval by Lender; provided, that such approval shall not be unreasonably withheld. All insurance policies and renewals thereof shall be in a form acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. Lender shall have the right to hold the policies and renewals thereof, subject Rocket Mortgage, LLC (NMLS #: 3030)|Rocket Mortgage, LLC(NMLS# 3030)|Margaret O'Donnell (NMLS # 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (tov. 04/25) 504.47 Page 3 of 9 s St i T 1] Q103582704157002020002334a965¢3d-67cc-4db8-boe6-518ec8702bbd0309 3582704157 to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. IfmePmpa@dsa&mdmwdbyBonowagor?Bonower?Hsmr%pthoLmuhrthn30dMm from the date notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insurance benefits, Lender is authorized to collect and apply the insurance proceeds at Lender's option either to restoration or repair of the Property or to the sums secured by this Deed of Trust. 6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments. Borrower shall keep the Property in good repair and shall not commit waste or permit impairment or deterioration of the Property and shall comply with the provisions of any leasc if this Deed of Trust is on a leaschold. If this Deed of Trust is on a unit in a condominium or a planned unit development, Borrower shall perform all of Borrower's obligations under the declarations or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development, and constituent documents. 7. Protection of Lender's Security. If Borrower fails to perform the covenants and agreements contained in this Deed of Trust, or if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender, at Lender's option, upon notice to Borrower, may make such appearances, disburse such sums, including reasonable attorneys' fecs, and take such action as is necessary to protect Lender's interest. If Lender required mortgage insurance as a condition of making the loan secured by this Deed of Trust, Borrower shall pay the premiums required to maintain such insurance in effect until such time as the requirement for such insurance terminates in accordance with Borrower's and Lender's written agreement or applicable law. Ammmmmm&wm%dMdmMMpmwmHommmmy@hZWMHM&%HMmmLmmeNNe rate, shall become additional indebtedness of Borrower secured by this Deed of Trust. Unless Borrower and Lender agree to other terms of payment, such amounts shall be payable upon notice from Lender to Borrower requesting payment thereof. Nothing contained in this paragraph 7 shall require Lender to incur any expense or take any action hereunder, 8. Inspection. Lender may make or cause to be made reasonable entries upon and inspections of the Property, provided that Lender shall give Borrower notice prior to any such inspection specifying reasonable cause therefor related to Lender's interest in the Property. 9. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in counection with any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust. 10. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Deed of Trust granted by Lender to any successor in interest of Borrower shall not operate to release, in any manner, the liability of the original Borrower and Borrower's successors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Deed of Trust by reason of any demand made by the original Borrower and Borrower's smwmmmUMMtMW%MmeWLm%mwmmmgmwg?mmmwmmmwummMwm afforded by applicable law, shall not be a waiver of or preclude the exercise of any such right or remedy. Rocket Mortgage, LLC(NMLS #: 3030)|Rocket Mortgage, LLC (NMLS #:3030) | Margaret O'Donnell (NMLS #1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rev. 04/25) 504.47 Page 4 of 9 ettt had 1] Q1035827041570020200023342965¢3d-67cc-4db8-becs-518ec8702bbd0409 3582704157 1. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements herein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender and Borrower, subject to the provisions of paragraph 16 hereof. All covenants and agreements of Borrower shall be joint and several. Any Borrower who co-signs this Deed of Trust, but docs not execute the Note, (a) is co-signing this Deed of Trust only to grant and convey that Borrower's interest in the Property to Trustee under the terms of this Deed of Trust, (b) is not personally liable on the Note or under this Dced of Trust, and (c) agrees that Lender and any other Borrower hereunder may agrec to extend, modify, forbear, or make any other accommodations with regard to the terms of this Deed of Trust or the Note, without that Borrower's consent and without releasing that Borrower or modifying this Deed of Trust as to that Borrower's interest in the Property. 12. Notice. Except for any notice required under applicable law to be given in another manner, (a) any notice to Borrower provided for in this Decd of Trust shall be given by delivering it or by mailing such notice by first class mail addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein, and (b) any notice to Lender shall be given by first class mail to Lender's address stated herein or to such other address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Deed of Trust shall be deemed to have been given to Borrower or Lender when given in the manner designated herein. 13. Governing Law; Severability. The state and local laws applicable to this Deed of Trust shall be the laws of the jurisdiction in which the Property is located. The foregoing sentence shall not limit the applicability of federal law to this Deed of Trust. In the event that any provision or clause of this Deed of Trust or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Deed of Trust or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Deed of Trust and the Note are declared to be severable. As used herein, "costs," "expenses” and “attorneys’ fees" include all sums to the extent not prohibited by applicable law or limited herein. 14. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Deed of Trust at the time of execution or after recordation hereof. 15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower's obligations under any home rehabilitation, improvement, repair, or other loan agreement which Borrower enters into with Lender. Lender, at Lender's option, may require Borrower to execute and deliver to Lender, in a form acceptable to Lender, an assignment of any rights, claims or defenses which Borrower may have against parties who supply labor, materials or services in connection with improvements made to the Property. 16. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Deed of Trust. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Deed of Trust. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Deed of Trust. If Borrower fails to pay these sums prior to the cxpiration of this period, Lender may invoke any remedies permitted by this Deed of Trust without further notice or demand on Borrower. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as Rocket Mortgage, LLC(NMLS #: 3030)|Rocket Mortgage, LLC(NMLS#: 3030)|Margaret O'Donnell (NMLS # 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rcv. 04/25) 504.47 Page 5 0of 9 W0 A NG AR Q103582704157002020002334a965¢3d-67cc-4db8-bce6-518ec8702bbd0509 3582704157 follows: 17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any covenant or agreement of Borrower in this Deed of Trust, including the covenants to pay when due any sums secured by this Deed of Trust, Lender prior to acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (1) the breach; (2) the action required to cure such breach; (3) a date, not less than 30 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach on or before the date specified in the notice may result in acceleration of the sums secured by this Deed of Trust and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non-existence of a default or any other defense of Borrower to acceleration and sale. If the breach is not cured on or before the date specified in the notice, Lender, at Lender's option, may declare all of the sums secured by this Deed of Trust to be immediately due and payable without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be entitled to collect all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 17, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall 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 Property to be sold and shall cause such notice to be recorded in each county in which the Property or some part thereof is located. Lender or Trustee shall give notice of sale in the manner prescribed by applicable law to Borrower and to the other persons prescribed by applicable law. After the lapse of such time as may be required by applicable law, Trustee, without demand on Borrower, shall sell the Property at public auction to the highest bidder at the time and place and under the terms designated in the notice of the sale in one or more parcels and in such order as Trustee may determine. 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 Lender’s designee may purchase the Property at any sale. Trustee shall deliver to the purchaser Trustee's deed conveying the Property so sold without any covenant or warranty, expressed or implied. The recitals in the Trustee's deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following erder: (a) to all reasonable costs and expenses of the sale, including, but not limited to, reasonable Trustee's and attorneys' fees and costs of title evidence; (b) to all sums secured by this Deed of Trust; and (c) the excess, if any, to the person or persons legally entitled thereto. 18. Borrower's Right to Reinstate. Notwithstanding Lender's acceleration of the sums secured by this Deed of Trust due to Borrower's breach, Borrower shall have the right to have any proceedings begun by Lender to enforce this Deed of Trust discontinued at any time prior to the earlier to occur of (i) the fifth day betore sale of the Property pursuant to the power of sale contained in this Deed of Trust or (1i) entry of a judgment enforcing this Deed of Trust if: (a) Borrower pays Lender all sums which would be then due under this Deed of Trust and the Note had no acceleration occurred; (b) Borrower cures all breaches of any other covenants or agreements of Borrower contained in this Deed of Trust; (¢) Borrower pays all reasonable expenses incurred by Lender and Trustee in enforcing the covenants and agreements of Borrower contained in this Deed of Trust, and in enforcing Lender's and Trustee's remedies as provided in paragraph 17 hereof, including, but not limited to, reasonable attorneys' fees; and (d) Borrower takes such action as Lender may reasonably require to assure that the lien of this Deed of Trust, Lender's interest in the Property and Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #: 3030) | Margaret 0O'Donnell (NMLS # 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rev. 04/25) Ex 50447 Page 6 of'9 W0 o AN R Q1035827041570020200023342965¢3d-67cc-4db8-bec6-518ec8702bbd0609 3582704157 Borrower's obligation to pay the sums secured by this Deed of Trust shall continue unimpaired. Upon such payment and cure by Borrower, this Deed of Trust and the obligations sccured hereby shall remain in full force and cffect as if no acceleration had occurred. 19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security hercunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior to acceleration under paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due and payable. Upon acceleration under paragraph 17 hereof or abandonment of the Property, Lender, in person, by agent or by judicially appointed recciver shall be entitled to enter upon, take possession of and manage the Property and to collect the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the sums secured by this Deed of Trust. Lender and the receiver shall be liable to account only for those rents actually received. 20. Reconveyance. Upon payment of all sums secured by this Deed of Trust, Lender shall request Trustee to reconvey the Property and shall surrender this Deed of Trust and all notes evidencing indebtedness secured by this Deed of Trust to Trustee. Trustee shall reconvey the Property without warranty and without charge to the person or persons legally entitled thereto. Such person or persons shall pay all costs of recordation, if any. 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 charging of the fee is permitted under Applicable Law. 21. Substitute Trustee. In accordance with applicable law, Lender may from time to time remove Trustee and appoint a successor trustee to any Trustee appointed hereunder. Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon the Trustee herein and by applicable law. 22. Use of Property. The Property is not currently used for agricultural, timber, or grazing purposes. 23. Attorneys' Fees. As used in this Deed of Trust and in the Note, "attorneys’ fees" shall include attorneys' fees, if any, which shall be awarded by an appellate court. 24. Protective Advances. This Security Instrument secures any advances Lender, at its discretion, may make under Section 9 of this Security Instrument to protect Lender's interest in the Property and rights under this Security Instrument. 25. Required Evidence of Property Insurance. WARNING Unless you provide us with evidence of the insurance coverage as required by our contract or loan agreement, we may purchase insurance at your expense to protect our interest. This insurance may, but need not, also protect your interest. If the collateral becomes damaged, the coverage we purchase may not pay any claim you make or any claim made against you. You may later cancel this coverage by providing evidence that you have obtained property coverage elsewhere. You are responsible for the cost of any insurance purchased by us. The cost of this insurance may be added to your contract or loan balance. If the cost is added to your Rocket Mortgage, LLC(NMLS#:3030)|Rocket Mortgage, LLC (NMLS 4 3030)|Margaret O'Donmell (NMLS #: 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rev. 04/25) 504.47 Page 7 of 9 i g T Q1035827041570020200023342965¢3d-67 cc-4db8-bce6-518ec8702bbd0709 3582704157 contract or loan balance, the interest rate on the underlying contract or loan will apply to this added amount. The effective date of coverage may be the date your prior coverage lapsed or the date you failed to provide proof of coverage. The coverage we purchase may be considerably more expensive than insurance you can obtain on your own and may not satisfy any need for property damage coverage or any mandatory liability insurance requirements imposed by Applicable Law. The Following Rider(s) are to be executed by Borrower and are attached hereto and made a part thereof [check box as applicable]: [ Adjustable Rate Rider 1 Condominium Rider [ Second Home Rider O Balloon Rider O Planned Unit Development Rider U Biweekly Payment Rider UJ 1-4 Family Rider Other(s) [specify] MERS Rider REQUEST FOR NOTICE OF DEFAULT AND FORECLOSURE UNDER SUPERIOR MORTGAGES OR DEEDS OF TRUST Borrower and Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this Deed of Trust to give Notice to Lender, at Lender's address set forth on page one of this Deed of Trust, of any default under the superior encumbrance and of any sale or other foreclosure action. IN WITNESS WHEREOF, Borrower has executed this Deed of Trust. 43 /;74%?/25 ? s - BORROWER - Stacy M. Osborn - DAfE - 03/ 9/;%77 A Osborn - DATE - - BORROWER - Raymond E. [Sign Original Only] Rocket Mortgage, LLC(NMLS/#: 3030)|Rocket Mortgage, LLC (NMLS # 3030)|Margaret O'Donmell (NMLS # 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rev. 04/25) 504.47 Page 8 of 9 e b kbt hd [ Q103582704157002020002334a965¢3d-67cc-4db8-bec6-518ec8702bbd0809 3582704157 State of Oregon County of Klamath This record was acknowledged before me on March 24, 2026 by Stacy M. Osborn, as an individual; and Raymond E. Osborn, as an individual. Notary Public My Commission Expires: (\T_ZLM(;/}QE/ JZZ Q();?? OMMISSIONND 1055417 MY COMMISSION EXPIHES JANUARY 28, 2020 { T e e e e i e TN TN Individual Loan Originator: Margaret O'Donnell, NMLSR ID: 1812837 Loan Originator Organization: Rocket Mortgage, LLC, NMLSRID: 3030 Rocket Mortgage, LLC(NMLS #: 3030)|Rocket Mortgage, LLC(NMLS#: 3030)|Margaret O'Donnell (NMLS # 1812837) OREGON - SECOND DEED OF TRUST - 03/18 (rev. 04/25) Page 9 of 9 W R A | Q103582704157002020002334a965¢3d-67 cc-4db8-bce6-518ec8702bbd090 EXl 504.47 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Rider) Osborn : Loan #: 3582704157 MIN:100039035827041574 THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER ("MERS Rider") is made this 24th day of March, 2026, and is incorporated into and amends and supplements the Deed of Trust (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 Rocket Mortgage, LLC ("Lender") of the same date and covering the Property described in the Security Instrument, which is located at: 7517 Booth Rd, Klamath Falls, OR 97603-9489 In addition to the 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 As used in the Security Instrument, the following terms refer to the following entitics: "Lender" is Rocket Mortgage, LLC. Lender is a Limited Liability Company organized and existing under the laws of the State of Michigan. Lender's address is 1050 Woodward Ave, Detroit, MI 48226-1906. Lender is the beneficiary under this Security Instrument. The term "Lender" includes any successors and assigns of Lender. Rocket Mortgage, LLC(NMLS # 3030)|Rocket Mortgage, LLC(NMLS #: 303 0)|Margaret O'Donnell (NMLS # 1812837) JUNIOR LIEN MERS RIDER EX 19178.6 Page 1 of 4 it L A R | Q103582704157002020020980dd877¢3-bcc0-4940-854f-4566986548a801 04 3582704157 "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 P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. MERS is appointed as the Nominee for Lender to 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 shall inure to and bind MERS, its successors and assigns, as well as Lender, until MERS' Nominee interest is terminated. "Nominee" means one designated to act for another as its representative for a limited purpose. B. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment of the monetary amounts secured, 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. Lender, as the beneficiary under this Scecurity Instrument, designates MERS as the Nominee for Lender. Any notice required by Applicable Law or this Sccurity Instrument 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 Nominee 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, assigning and releasing this Security Instrument, and substituting a successor trustee. C.NOTICES Section 12 of the Security Instrument is amended to read as follows: 12, Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Any notice to Borrower in connection with this Sccurity Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify Lender of Borrower's change of address. If Lender specifies a procedure for reporting Borrower's change of address, then Borrower shall only report a change of address through that specified procedure. There may be only one designated notice address under this Security Instrument at any one time. Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower. Borrower acknowledges that any notice Borrower provides to Lender must also be provided to MERS as Nominee for Lender until Rocket Mortgage, LLC (NMLS #: 3030)|Rocket Mortgage, LLC (NMLS #:3030)|Margaret O'Donnell (NMLS # 1812837) JUNIOR LIEN MERS RIDER EX 19178.6 Page 2 of 4 B Nt el W Q10358270415700202002098cdd877¢3-bec0-4940-854f-4566986548a80204 3582704157 MERS' Nominee interest is terminated. Any notice provided by Borrower in connection with this Security Instrument will not be deemed to have been given to MERS until actually received by MERS. Any notice in connection with this Security Instrument shall not be deemed to have been given to Lender until actually received by Lender. If any notice required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. D. SALE OF NOTE; CHANGE OF LOAN SERVICER; NOTICE OF GRIEVANCE The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. Lender acknowledges that until it directs MERS to assign MERS's Nominee interest in this Security Instrument, MERS remains the Nominee for Lender, with the authority to exercise the rights of Lender. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Sccurity Instrument, and Applicable Law. Therce also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. 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 payments should be made and any other information RESPA requires in conncction with a notice of transfer of servicing. 1f the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchascr of the Note, the mortgagc loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Sccurity Instrument, until such Borrower or Lender has notificd the other party (with such notice given in compliance with the requirements of Section 12) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action. If Applicable Law provides a time period which must elapse before certain action can be taken, that time period will be deemed to be reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to Borrower pursuant to Section 17 and the notice of acceleration given to Borrower pursuant to Section 16 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this part. E. SUBSTITUTE TRUSTEE Section 21 of the Security Instrument is amended to read as follows: 21. Substitute Trustee. In accordance with Applicablc Law, Lender or MERS may from time to time appoint a successor trustce to any Trustee appointed hereunder who has ceased to act. Without conveyance of the property, the successor trustee shall succeed to all the title, power and dutics conferred upon Trustee herein and by Applicable Law. Rocket Mortgage, LLC(NMLS#: 3030)|Rocket Mortgage, LLC (NMLS #: 3030) | Margaret O'Donnell (NMLS # 1812837) JUNIOR LIEN MERS RIDER 19178.6 Page 3 of 4 e A et AR Q10358270415700202002098cdd877¢3-bcc0-4940-8541-4566986548a80304 3582704157 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this MERS Rider. OHz8 g Osborn -~ DATE - E/14/ A -~ BORROWER - Raymond E. Osborn - DATE - Rocket Mortgage, LLC (NMLS#:3030)] Rocket Mortgage, LLC(NMLS#: 3030)|Margaret O'Donnell (NMLS # 1812837) JUNIOR LIEN MERS RIDER EX 19178.6 Page 4 of 4 RN AN AN Q10358270415700202002098cdd877¢3-bcc0-4940-854f-4566986548a80404 EXHIBIT A - LEGAL DESCRIPTION Tax |d Number(s): R875475 Land situated in the County of Klamath in the State of OR PARCEL 1 OF PARTITION NO. 11-93, FILED NOVEMBER 17, 1993 AND BEING A PORTION OF TRACT 19 OF JUNCTION ACRES, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. Commonly known as: 7517 Booth Rd, Klamath Falls, OR 97603-9489 THE PROPERTY ADDRESS AND TAX PARCEL IDENTIFICATION NUMBER LISTED ARE PROVIDED SOLELY FOR INFORMATIONAL PURPOSES.