2026-003691 Klamath County, Oregon 04/27/2026 02:34:02 PM Fee: $262.00 After Recording Return To: Until Further Natice, Send All Tax Statements To INDECOMM GLOBAL SERVICES ATTN: INDECOMM GLOBAL SERVICES ATTN: FD NR 9915 FD NR 9915 1427 ENERGY PARK DR. 1427 ENERGY FARK DR. ST. PAUL, MN 55108 ST. PAUL, MN 35108 [Space Above This Line For Recording Data) Loan Number 9744767600 MERS Number 100754497447676002 FHA Case No. 431-7979643-703 DEED OF TRUST DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined under the caption TRANSFER OF RIGHTS IN THE PROPERTY and in Sections 3, 4, 10, 11, 15, 18, 22, and 23. Certain rules regarding the usage of words used in this document are also provided in Section 16. FHA OREGON DEED OF TRUST (1/23) © 2026 Covius Services, LLC Page | of 21 (NONGMMMEIGIN DOMMOR ORI R 03~ Parties (A) “Borrower” is JENNIFER L. MARSHALL AND GERRY C. MARSHALL AS TENANTS BY THE ENTIRETY, currently residing at 15642 HIGHWAY 66, KENO, OREGON 97627-9720. Borrower is the grantor under this Security [nstrument. (B) “Lender” is NEWREZ LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of DELAWARE. Lender’s address is 1100 VIRGINIA DRIVE, SUITE 125, FORT WASHINGTON, PA 19034. Lender is the beneficiary under this Security [nstrument. The term “Lender” includes any successors and assigns of Lender. (O “Trustee” is JAMES E. ALBERTELLI, P.A.. Trustee’s address is 5404 CYPRESS CENTER DR., STE. 300 TAMPA FL 33609. The term “Trustee” includes any substitute/successor Trustee. D) "MERS" is the Mortgage Electronic Registration Systems, Inc. Lender has appointed 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 incorporated into and amends and supplements this Security Instrument. Documents (E) “Note” means the promissory note dated APRIL 04, 2026, and signed by each Borrower who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower’s written pen and ink signature, or (ii) electronic form, using Borrower’s adopted Electronic Signature in accordance with the UETA or E-SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender THREE HUNDRED THIRTY-SIX THOUSAND SIXTY AND 00/100THS Dollars (U.S. $336,060.00) plus interest. Each Borrower who signed the Note has promised to pay this debt in rzgular monthly payments and to pay the debt in full not later than MAY 01, 2056. (F) “Riders” means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable]: O Condominium Rider O Growing Equity Rider O Adjustable Rate Rider O Planned Unit Development Rider O Graduated Payment Rider O Non-Owner Occupied Rider O Revocable Trust Rider {0 Rehabilitation Loan Rider MERS Rider O Water Purification Rider Manufactured Home Rider (G) “Security Instrument” means this document, which is dated APRIL 04, 2026, together with all Riders to this document. FHA OREGON DEED OF TRUST (1/23) @ 2026 Covius Services, LLC Page 2 of 21 27766337 - 32000038 T T 1111010 1 2 - Additignal Definitions (H) “Applicable Law” means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions. ) “Community Association Dues, Fees, and Assessments” means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. N “Default” means: (i) the failure to pay any Periodic Payment or any other amount secured by this Security Instrument on the date it is due; (ii) a breach of any representation, warranty, covenant, obligation, or agreement in this Security Instrument; (iii) any materially false, misleading, or inaccurate information or statement to Lender provided by Borrower or any persons or entities acting at Borrower’s direction or with Borrower’s knowledge or consent, or failure to provide Lender with material information in connection with the Loan, as described in Section 8; or (iv) any action or proceeding described in Section 11{e). K) “Electronic Fund Transfer” means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone or other electronic device capable of communicating with such financial institution, wire transfers, and automated clearinghouse transfers. (L) “Electronic Signature” means an “Electronic Signature” as defined in the UETA or E-SIGN, as applicable. (M) “E-SIGN” means the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.), as it may be amended from time to time, or any applicable additional or successor legislation that governs the same subject matter. ™) “Escrow Items” means: (i) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (ii) leasehold payments or ground rents on the Property, if any; (iii) premiums for any and all insurance required by Lender under Section 5; and (iv) Mortgage Insurance premiums to be paid by Lender to the Secretary or the monthly charge by the Secretary instead of the monthly Mortgage Insurance premiums. (0) “Loan” means the debt obligation evidenced by the Note, plus interest, costs, expenses, and late charges due under the Note, and all sums due under this Security Instrument, plus interest. P) “Loan Servicer” means the entity that has the contractual right to receive Borrower’s Periodic Payments and any other payments made by Borrower, and administers the Loan on behalf of Lender. Loan Servicer does not include a sub-servicer, which is an entity that may service the Loan on behalf of the Loan Servicer. Q) “Miscellancous Proceeds” means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii} condemnation or other taking of all or any part of the Property; (iii) conveyance in liev of condemnation; or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (R) “Mortgage Insurance” means insurance protecting Lender against the nonpayment of, or Default on, the Loan. FHA ORECON DEED OF TRUST (1/23) @ 2026 Covius Services, LLC Page 3 of 21 27766337 - 32000038 1 T 11110 13- (S) “Partial Payment” means any payment by Borrower, other than a voluntary prepayment permitted under the Note, which is less than a full outstanding Periodic Payment and any late charges or other amounts then due under the Note or this Security Instrument. (T) “Periodic Payment” means the regularly scheduied amount due for (i} principal and interest under the Note, plus (ii) any amounts under Section 3. ) “Property” means the property described below under the heading “TRANSFER OF RIGHTS IN THE PROPERTY.” ™) “Rents” means all amounts received by or due Borrower in connection with the lease, use, and/or occupancy of the Property by a party other than Borrower. (W) “RESPA* means the Real Estate Settlement Procedures Act (12 U.S.C. § 2601 ef seq.) and its implementing regulation, Regulation X (12 C.F.R. Part 1024), as they may be amended from time to time, or any additional or successor federal legislation 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 “federally related mortgage loan” even if the Loan does not qualify as a “federally related mortgage loan” under RESPA. X) “Secretary” means the Secretary of the United States Department of Housing and Urban Development or his designee. (Y) “Successor in Interest of Borrower” means any party that has taken title to the Property, whether or not that party has assumed Borrower’s obligations under the Note and/or this Security [nstrument. (@) “UETA” means the Uniform Electronic Transactions Act, as enacted by the jurisdiction in which the Property is located, as it may be amended from time to time, or any applicable additional or successor legislation that governs the same subject matter. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender (i) the repayment of the Loan, and all renewals, extensions, and modifications of thc Note, and (ii) the performance of Borrower’s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grants and conveys to Trustee, in trust, with power of sale, the following described property located in the County of KLAMATH [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] LEGAL DESCRIPTION ATTACHED HERETO AND MADE PART HEREOF EXHIBIT A which currently has the address of 15642 HIGHWAY 66 [Street] KENO , Oregon 97627-9720 (“Property Address™); [City] [Zip Code] TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions to the improvements on such property, all property rights, including, without limitation, all easements, appurtenances, royalties, mineral rights, oil or gas rights FHA OREGON DEEDP OF TRUST (1/23) © 2026 Covius Services, LLC Page 4 of 21 TR 1 T & or profits, water rights, and fixtures now or subsequently a part of the property. All of the foregoing is referred to in this Security Instrument as the “Property.” BORROWER REPRESENTS, WARRANTS, COVENANTS, AND AGREES that: (i) Borrower lawfully owns and possesses the Property conveyed in this Security Instrument in fee simple or lawfully has the right to use and occupy the Property under a leasehold estate; (ii) Borrower has the right to grant and convey the Property or Borrower’s leaschold interest in the Property; and (iii) the Property is unencumbered, and not subject to any other ownership interest in the Property, except for encumbrances and ownership interests of record. Borrower warrants generally the title to the Property and covenants and agrees to defend the title to the Property against all claims and demands, subject to any encumbrances and ownership 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 follows: 1. Paymcnt of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges. Borrower will pay each Periodic Payment when due. Borrower will also pay any prepayment charges and late charges due under the Note, and any other amounts due under this Security Instrument. Payments due under the Note and this Security Instrument must be made in U.S. currency. If any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, as selected by Lender: (a) cash; (b) money order; (c) certified check, bank check, treasurer’s check, or cashier’s check, provided any such check is drawn upon an institution whose deposits are insured by a U.S. federal agency, instrumentality, or entity; or (d) Electronic Fund Transfer. Payments are decmed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may accept or return any Partial Payments in its sole discretion pursuant to Section 2. Any offset or claim that Borrower may have now or in the future against Lender will not relieve Borrower from making the full amount of all payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 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 Partial Payments in its sole discretion in accordance with this Section 2. Lender is not obligated to accept any Partial Payments or to apply any Partial Payments at the time such payments are accepted, and also is not obligated to pay interest on such unapplied funds. Lender may hold such unapplied funds until Borrower makes payment sufficient to cover a full Periodic Payment, at which time the amount of the full Periodic Payment will be applied to the Loan. If Borrower does not make such a payment within a reasonable period of time, Lender will either apply such funds in accordance with this Scction 2 or return them to Borrower. If not applied earlier, Partial Payments will be credited against the total amount due under the Loan in calculating the amount due in connection with any foreclosure proceeding, payoff request, loan modification, or reinstatement. FHA OREGON DEED OF TRUST (1/23) @ 2026 Covius Services, LLC Page 5 of 21 JRAUVRATGUEUNNL COUMMOREED DA 1 744787600 | 2 Lender may accept any payment insufficient to bring the Loan current without waiver of any rights under this Security Instrument or prejudice to its rights to refuse such payments in the future. (b) Order of Application of Partial Payments and Periodic Payments. Except as otherwise described in this Section 2, all payments accepted and applied by Lender will be applied in the following order of priority: First, to the Mortgage Insurance premiums to be paid by Lender to the Secretary or the monthly charge by the Secretary instead of the monthly mortgage insurance premiums; Second, to any taxes, special assessments, leasehold payments or ground rents, and fire, flood and other hazard insurance premiums, as required; Third, to interest due under the Note; Fourth, to amortization of the principal of the Note; and, Fifth, 10 late charges due under 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 delinquent Periodic Payment, the payment may be applied to the delinquent payment and the late charge. When applying payments, Lender will apply such payments in accordance with Applicable Law. (c¢) Voluntary Prepayments. Voluntary prepayments will be applied as described in the Note. (d) No Change to Payment Schedule. Any application of payments, insurance proceeds, or Miscellaneous Procceds to principal due under the Note will not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. (a) Escrow Requirement; Escrow Items. Borrower must pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum of money to provide for payment of amounts due for all Escrow Items (the “Funds™). The amount of the Funds required to be paid each month may change during the term of the Loan. Borrower must promptly furnish to Lender all notices or invoices of amounts to be paid under this Section 3. (b) Payment of Funds; Waiver. Borrower must pay Lender the Funds for Escrow Items unless Lender waives this obligation in writing. Lender may waive this obligation for any Escrow Item at any time. In the event of such waiver, Borrower must pay directly, when and where payable, the amounts due for any Escrow ltems subject to the waiver. If Lender has waived the requirement to pay Lender the Funds for any or all Escrow Items, Lender may require Borrower to provide proof of direct payment of those items within such time period as Lender may require. Borrower’s obligation to make such timely payments and to provide proof of payment is deemed to be a covenant and agreement of Borrower under this Security Instrument. 1f Borrower is obligated to pay Escrow Items directly pursuant 10 a waiver, and Borrower fails to pay timely the amount due for an Escrow ltem, Lender may exercise its rights under Section 9 to pay such amount and Borrower will be obligated to repay to Lender any such amount in accordance with Section 9. Lender may withdraw the waiver as to any or all Escrow [tems at any time by giving a notice in accordance with Scction 13; upon such withdrawal, Borrower must pay to Lender all Funds for such Escrow Ttems, and in such amounts, that are then required under this Section 3. (¢} Amount of Funds; Application of Funds. Lender may, at any time, collect and hold Funds in an amount up to, but not in excess of, the maximum amount a lender can require under RESPA. Lender will estimate the amount of Funds due in accordance with Applicable Law. The Funds will be held in an institution whose deposits are insured by a U.S. federal agency, instrumentality, or entity (including Lender, if Lender is an institution whose deposits are so insured) or in any Federal Home Loan Bank. Lender will apply the Funds to pay the Escrow Items no later FHA QREGON DEED OF TRUST (1/23) © 2026 Covius Services, LLC Page 6 of 21 OO RN A A - L than the time specified under RESPA. Lender may not charge Borrower for: (i) holding and applying the Funds; (ii) annually analyzing the escrow account; or (iii) verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge. Unless Lender and Borrower agree in writing or Applicable Law requires interest to be paid on the Funds, Lender will not be required to pay Borrower any interest or earnings on the Funds. Lender will give 1o Borrower, without charge, an annual accounting of the Funds as required by RESPA. (d) Surplus; Shortage and Deficiency of Funds. {n accordance with RESPA, if there is a surplus of Funds held in escrow, Lender will account to Borrower for such surplus. If Borrower’s Periodic Payment is delinquent by more than 30 days, Lender may retain the surplus in the escrow account for the payment of the Escrow ltems. If there is a shortage or deficiency of Funds held in escrow, Lender will notify Borrower and Borrower will pay to Lender the amount necessary to make up the shortage or deficiency in accordance with RESPA. Upon payment in full of alt sums secured by this Security Instrument, Lender will promptly refund to Borrower any Funds held by Lender. 4. Charges; Liens. Borrower must pay (a) all taxes, assessments, charges, fines, and impositions attributable to the Property which have priority or may attain priority over this Security Instrument, (b) lcaschold payments or ground rents on the Property, if any, and (¢) Community Association Dues, Fees, and Assessments, if any. 1f any of these items are Escrow Items, Borrower wiil pay them in the manner provided in Section 3. Borrower must promptly discharge any lien that has priority or may attain priority over this Security Instrument unless Borrower: (aa) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing under such agreement; (bb) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which Lender determines, in its sole discretion, operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (cc) secures from the holder of the fien an agreement satisfactory to Lender that subordinates the lien to this Security Instrument (collectively, the “Required Actions™). 1f Lender determines that any part of the Property is subject to a lien that has priority or may attain priority over this Security Instrument and Borrower has not taken any of the Required Actions in regard to such lien, Lender may give Borrower a notice identifying the lien. Within 10 days after the date on which that notice is given, Borrower must satisfy the lien or take one or more of the Required Actions. 5. Property Insurance. (a) Insurance Requirement; Coverages. Borrower must keep the improvements now existing or subscquently crected on the Property insurcd against loss by fire, hazards included within the term “extended coverage,” and any other hazards including, but not limited to, earthquakes, winds, and floods, for which Lender requires insurance. Borrower must maintain the types of insurance Lender requires in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan, and may exceed any minimum coverage required by Applicable Law. Borrower may choose the insurance carrier providing the insurance, subject to Lender’s right to disapprove Borrower’s choice, which right will not be exerciscd unreasonably. (b) Fuilure to Maintain Insurance. If Lender has a reasonable basis to believe that Borrower has failed 10 maintain any of the required insurance coverages described above, Lender may obtain insurance coverage, at Lender’s option and at Borrower’s expense. Unless required by FHA OREGON DEED OF TRUST (1/23) © 2026 Covius Services, LLC Page 7 of 21 27766337 - 32000038 ST V) 2~-974477 Applicable Law, Lender is under no obligation to advance premiums for, or to seek to reinstate, any prior lapsed coverage obtained by Borrower. Lender is under no obligation to purchase any particular type or amount of coverage and may select the provider of such insurance in its sole discretion. Before purchasing such coverage, Lender will notify Borrower if required to do so under Applicable Law. Any such coverage will insure Lender, but might not protect Borrower, Borrower’s equity in the Property, or the contents of the Property, against any risk, hazard, or liability and might provide greater or lesser coverage than was previously in effect, but not exceeding the coverage required under Section 5(a). Borrower acknowledges that the cost of the insurance coverage so obtained may significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender for costs associated with reinstating Borrower’s insurance policy or with placing new insurance under this Section 3 will become additional debt of Borrower secured by this Security Instrument. These amounts will bear interest at the Note rate from the date of disbursement and wil! be payable, with such intcrest, upon notice from Lender to Borrower requesting payment. (¢) Insurance Policies. All insurance policies required 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 (iii) must name Lender as mortgagee and/or as an additiona) loss payee. Lender will have the right to hold the policies and rencwal certificates. If Lender requires, Borrower will promptly give to Lender proof of paid premiums and renewal notices. [f Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy must include a standard mortgage clause and must nrame Lender as mortgagee and/or as an additional loss payee. (d) Proof of Loss; Application of Proceeds. In the event of loss, Borrower must give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Any insurance proceeds, whether or not the underlying insurance was required by Lender, will be applied to restoration or repair of the Property, if Lender deems the restoration or repair to be economically feasible and determines that Lender’s security will not be lessened by such restoration or repair. If the Property is to be repaired or restored, Lender will disburse from the insurance proceeds any initial amounts that are necessary to begin the repair or restoration, subject to any restrictions applicable to Lender. During the subsequent repair and restoration period, Lender will have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender’s satisfaction (which may include satisfying Lender’s minimum eligibility requircments for persons repairing the Property, including, but not limited to, licensing, bond, and insurance requirements) provided that such inspection must be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed, depending on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property, or payable jointly to both. Lender will not be required to pay Borrower any interest or earnings on such insurance proceeds unless Lender and Borrower agree in writing or Applicable Law requires otherwise. Fces for public adjusters, or other third parties, retained by Borrower will not be paid out of the insurance procceds and will be the sole obligation of Borrower. If Lender decms the restoration or repair not to be economically feasible or Lender’s security would be lessencd by such restoration or repair, the insurance proceeds will be applied to the sums FHA OREGON DEED OF TRUST (1/23) © 2026 Covius Services, LLC Page 8 of 21 27766337 - 32000038 LT 1 1011 y2-9 7 - secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such insurance proceeds will be applied in the order that Partial Payments are applied in Section 2(b). (¢) Insurance Settlements; Assignment of Proceeds. [f Borrower abandons the Property, Lender may file, negotiate, and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may negotiate and setile the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 25 or otherwise, Borrower is unconditionally assigning to Lender (i) Borrower’s rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note and this Security Instrument, and (ii) any other of Borrower’s rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, to the extent that such rights are applicable to the coverage of the Property. If Lender files, negotiates, or settles a claim, Borrower agrees that any insurance proceeds may be made payable dircctly 10 Lender without the need to include Borrower as an additional loss payce. Lender may usc the insurance proceeds either to repair or restore the Property (as provided in Section 5(d)) or to pay amounts unpaid under the Note or this Security Instrument, whether or not then due. 6. Occupancy. Borrower must occupy, establish, and use the Property as Borrower’s principal residence within 60 days afier the exccution of this Security [nstrument and must continue to occupy the Property as Borrower’s principal residence for at least one year after the date of occupancy, unless: (a) Lender otherwise agrees in writing, which consent will not be unreasonably withheld; (b) Lender determines that this requirement will cause undue hardship for the Borrower; or (c) extenuating circumstances exist which are beyond Borrower’s control. 7. Preservation, Maintenance, and Protection of the Property; Inspections. Borrower will not destroy, damage, or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Whcther or not Borrower is residing in the Property, Borrower must maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition. Unless Lender determines pursuant to Section 5 that repair or restoration is not economically feasible, Borrower will promptly repair the Property if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid to Lender in connection with damage to the Property, Borrower will be responsible for repairing or restoring the Property only if Lender has released procceds for such purposes. Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payvinents as the work is completed, depending on the size of the repair or restoration, the terms of the repair agreement, and whether Borrower is in Default on the Loan. Lender may make such disbursements directly to Borrower, to the person repairing or restoring the Property, or pavable jointly to both. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower remains obligated to complete such repair or restoration. If condemnation proceeds arc paid in connection with the taking of the Property, Lender will apply such proceeds to the reduction of the indebtedness under the Note and this Security Instrument, first to any dclinquent amounts, and then to payment of principal. Any application of the proceeds to the principal will not extend or postpone the due date of the monthly payments or change the amount of such payments. Lender may make rcasonable entries upon and inspections of the Property. 1f Lender has reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender will give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. FHA OREGON DEED OF TRUST (1/23) ® 2026 Covius Services, LLC Page 9 of 21 T 1111 vh2-987 8. Borrower’s Loan Application. Borrower will be in Default if, during the Loan application process, Borrower or any persons or entities acting at Borrower’s direction or with Borrower’s knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan, including, but not limited to, overstating Borrower’s income or assets, understating or failing to provide documentation of Borrower’s debt obligations and liabilities, and misrepresenting Borrower’s occupancy or intended occupancy of the Property as Borrower’s principal residence. 9. Protcction of Lender’s Interest in the Property and Rights Under this Security Instrument. (a) Protection of Lender’s Interest. It (i) Borrower fails to perform the covenants and agreements contained in this Sccurity Instrument; (ii) there is a legal proceeding or government order that might significantly affect Lender’s intcrest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien that has priority or may attain priority over this Security Instrument, or to enforce laws or regulations); or (iii) Lender reasonably believes that Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender’s interest in the Property and/or rights under this Security Instrument, including protecting and/or assessing the valuc of the Property, and securing and/or repairing the Property. Lender’s actions may include, but are not limited to: (I) paying any sums sccured by a lien that has priority or may attain priority over this Sccurity Instrument; (I} appearing in court; and (III) paying: (A) reasonable attorneys’ fees and costs; (B) property inspection and valuation fees; and (C) other fees incurred for the purpose of protecting Lender’s interest in the Property and/or rights under this Security Instrument, including its sccured position in a bankruptey proceeding. Securing the Property includes, but is not limited to, exterior and interior inspections of the Property, entering the Property to make repairs, changing locks, replacing or boarding up doors and windows, draining water from pipes, eliminating building or other code violations or dangerous conditions, and having utilities turned on or off. Although Lender may take action under this Section 9, Lender is not required to do so and is not under any duty or obligation to do so. Lender will not be liable for not taking any or all actions authorized under this Section 9. (b) Avoiding Foreclosure; Mitigating Losses. If Borrower is in Default, Lender may work with Borrower to avoid foreclosure and/or mitigate Lender’s potential losses, but is not obligated to do so unless required by Applicable Law. Lender may take reasonable actions to evaluate Borrower for available alternatives to foreclosure, including, but not limited to, obtaining credit reports, title reports, title insurance, property valuations, subordination agrcements, and third-party approvals. Borrower authorizes and consents to these actions. Any costs associated with such loss mitigation activities may be paid by Lender and recovered from Borrower as described below in Section 9(c), unless prohibited by Applicablc Law. (¢) Additional Amounts Secured. Any amounts disbursed by Lender under this Section 9 will become additional debt of Borrower secured by this Security Instrument. These amounts may bear interest at the Notc rate from the date of disbursement and will be payable, with such interest, upon notice from Lender to Borrower requesting payment. (d) 1 .caschold Terms. If this Sccurity Instrument is on a leasehold, Borrower will comply with all the provisions of the lease. 1f Borrower acquires fee title to the Property, the leasehold and the fee title will Lot merge unless Lender agrees to the merger in writing. FHA OREGON MEED OF TRUST (1/23) © 2026 Covius Se-vices, LLC Page 10 of 21 UOTIONMAVY VARV CAMEMI AR | A1 | 2~07447 10. Assignment of Rents. (a) Assignment of Rents. If the Property is leased to, used by or occupied by a third party (“Tenant”), Borrower is unconditionally assigning and transferring to Lender any Rents, regardless of to whom the Rents are payable. Borrower authorizes Lender to collect the Rents, and agrees that each Tenant will pay the Rents to Lender. However, Borrower will receive the Rents until (i} Lender has given Borrower notice of Default pursuant to Section 25, and (ii) Lender has given notice to the Tenant that the Rents are to be paid to Lender. This Section 10 constitutes an absolute assignment and not an assignment for additional security only. (b) Notice of Default. [f Lender gives notice of Default to Borrower: (i) all Rents received by Borrower must be held by Borrower as trustee for the benefit of Lender only, to be applied to the sums secured by the Sceurity Instrument; (i1} Lender will be entitled to collect and receive all of the Rents; (iii) Borrower agrees to instruct each Tenant that Tenant is to pay all Rents due and unpaid to Lender upon Lender's written demand to the Tenant; (iv) Borrower will ensure that each Tenant pays all Rents due to Lender and will take whatever action is necessary to collect such Rents if not paid to Lender; (v) unless Applicable Law provides otherwise, all Rents collected by Lender will be applied first to the costs of taking control of and managing the Property and collecting the Rents, including, but not limited to, reasonable attorneys’ fees and costs, receiver’s fees, premiums on receiver’s bonds, repair and maintenance costs, insurance premiums, taxes, assessments, and other charges on the Property, and then to any other sums secured by this Sccurity Instrument; (vi) Lender, or any judicially appointed receiver, will be liable 1o account for only those Rents actually received; and (vii) Lender will be entitled 1o have a receiver appointed to take possession of and manage the Property and collect the Rents and profits derived from the Property without any showing as to the inadequacy of the Property as sceurity. (¢) Funds Paid by Lender. 1f the Rents are not sufficient to cover the costs of taking control of and managing the Property and of collecting the Rents, any funds paid by Lender for such purposes will become indebledness of Borrower to Lender secured by this Security Instrument pursuant to Section 9. (d) Limitation on Collection of Rents. Borrower may not collect any of the Rents more than one month in advance of the time when the Rents become due, except for security or similar deposits. (&) No Other Assignment of Rents. Borrower represents, warrants, covenants, and agrees that Borrower has not signed any prior assignment of the Rents, will not make any further assignment of the Rents, and has not performed, and will not perform, any act that could prevent Lender from exercising its rights under this Security Instrument. () Control and Maintenance of the Property. Unless required by Applicable Law, Lender, or a receiver appointed under Applicable lLaw, is not obligated to enter upon, take control of, or maintain the Property before or after giving notice of Default to Borrower. However, Lender, or a receiver appointed under Applicable Law, may do so at any time when Borrower is in Default, subject to Applicable Law. (g) Additional Provisions. Any application of the Rents will not cure or waive any Default or invalidate sy other right or remedy of Lender. This Section 10 does not relieve Borrower of Borrower’s o' ligations under Section 6. This Soction 10 will terminate when all the sums secured by this Security Instrument are paid in full. FHA OREGON DEED OF TRUST (1/23) © 2026 Covius & :rvices, LLC Page 11 of 21 27766337 - 3200038 11T 11111 11. Assignment and Application of Miscellancous Proceeds; Forfeiture. (a) Assignment of Miscellancous Proceeds. Borrower is unconditionally assigning the right to receive all Miscellaneous Proceeds to Lender and agrees that such amounts will be paid to Lender. (b) Application of Miscellaneous Proceeds upon Damage to Property. If the Property is damaged, any Miscellaneous Proceeds will be applied to restoration or repair of the Property, if Lender deems the restoration or repair to be economically feasible and Lender’s security will not be lessened by such restoration or repair. During such repair and restoration period, Lender will have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect the Property to ensure the work has been completed to Lender’s satisfaction (which may include satisfying Lender’s minimum eligibility requirements for persons repairing the Property, including, but not limited to, licensing, bond, and insurance requircments) provided that such inspection must be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed, depending on the size of the repair or restoration, the terms of the repair agrcement, and whether Borrower is in Default on the Loan. Lender may makc such disbursements directly to Borrower, to the person repairing or restoring the Property, or payable jointly to both. Unless Lender and Borrower agree in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender will not be required to pay Borrower any intercst or earnings on such Miscellancous Proceeds, If Lender deems the restoration or repair not to be economically feasible or Lender’s security would be lessened by such restoration or repair, the Miscellancous Proceeds will be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds will be applied in the order that Partial Payments are applied in Section 2(b). (¢) Application of Miscellaneous Proceeds upon Condemnation, Destruction, or Loss in Value of the Property. [n the event of a total taking, destruction, or loss in value of the Property, all of the Miscellancous Proceeds will be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property (each, a “Partial Devaluation’™) where the fair market value of the Property immediately before the Partial Devaluation is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the Partial Devaluation, a percentage of the Miscellaneous Proceeds will be applied to the sums secured by this Security Instrument unless Borrower and Lender otherwise agree in writing. The amount of the Miscellaneous Proceeds that will be so applied is determined by multiplying the total amount of the Miscellaneous Proceeds by a percentage calculated by taking (i) the total amount of the sums secured immediately before the Partial Devaluation, and dividing it by (ii) the fair market value of the Propuerty immediately before the Partial Devaluation. Any balance of the Miscellaneous Proceeds will be paid to Borrower, In the event of a Partial Devaluation where the fair market value of the Property immediately before the P.rtial Devaluation is less than the amount of the sums secured immediately before the Partial Devaluation, all of the Miscellancous Proceeds will be applied to the sums secured by this Security Instrument, whether or not the sums are then due, unless Borrower and Lender otherwise agree in writing. (d) Scttlement of Claims. Lender is authorized to collect and apply the Miscellaneous Proceeds eit] -+ 10 the sums secured by this Sccurity Instrument, whether or not then due, or to restoration or repair of the Property, if Borrower (i} abandons the Property, or (ii) fails to respond to Lender withi:: 30 days afier the date Lender notifies Borrower that the Opposing Party (as defined in FHA OREGOX DEED OF TRUST (1/23) © 2026 Covius E-rvices, LLC Page 12 of 21 TR T (1 1 - T4 3-2¢ Q the next sentence) offers to settle a claim for damages. “Opposing Party” means the third party that owes Borrower the Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to the Miscellaneous Proceeds. (e) Procceding Affecting Lender’s Interest in the Property. Borrower will be in Default if any action or proceeding begins, whether civil or criminal, that, in Lender’s judgment, could result in forfeiture of the Property or other material impairment of Lender’s interest in the Property or rights under this Security [nstrument. Borrower can cure such a Default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender’s judgment, precludes forfeilure of the Property or other material impairment of Lender’s interest in the Property or rights under this Security Instrument. Borrower is unconditionally assigning to Lender the proceeds of any award or claim for damages that are attributable to the impairment of Lender’s interest in the Property, which proceeds will be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property will be applied in the order that Partial Payments are applied in Section 2(b). 12. Borrower Not Released; Forbearance by Lender Not a Waiver., Borrower or any Successor in Interest of Borrower will not be released from liability under this Security Instrument if Lender extends the time for payment or modifics the amortization of the sums secured by this Security Instrument. Lender will not be required to commence proceedings against any Successor in Interest of Borrower, or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument, by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender’s acceptance of payments from third persons, entities, or Successors in Interest of Borrower or in amounts less than the amount then due, will not be a waiver of, or preclude the excrcise of, any right or remedy by Lender. 13. Joint and Several Liability; Signatories; Successors and Assigns Bound. Borrower’s obligations and liability under this Security Instrument will be joint and several. However, any Borrower wl.o signs this Security Instrument but does not sign the Note: (a) signs this Security Instrument to mortgage, grant, and convey such Borrower’s interest in the Property under the terms of this Security Instrument; (b) signs this Security Instrument to waive any applicable inchoate rights such as dowcr and curtesy and any available homestead exemptions; (¢} signs this Security Instrument to assign any Miscellaneous Proceeds, Rents, or other earnings from the Property to Lender; (d) is not personally olhfigated to pay the sums due under the Note or this Security Instrument; and (e) agrees that Lender and any other Borrower can agree to extend, modify, forbear, or make any accommodations with regard to the terms of the Note or this Security Instrument without such Borrower’s consent and without affecting such Borrower’s obligations under this Security Instrument. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower’s « »ligations under this Security Instrument in writing, and is approved by Lender, will obtain all of’ Dorrower’s rights, obligations, and benefits under this Security Instrument. Borrower will not be released from Borrower’s obligations and liability under this Security Instrument unless Lender agrecs to such release in writing. 14. J.oan Charges. (a) Vood Determination Fees. Lender may require Borrower to pay either (i) a one-time charge for flond zone determination, certification, and tracking services, or (ii} a one-time charge for flood zone d.:crmination and certification services and subsequent charges each time remappings or similar changes occur that reasonably might affect such determination or certification. Borrower will FHA QREGO™ DEED OF TRUST (1/23) ©® 2026 Covius Luvices, LLC Page 13 of 21 NS GO R & -97447 also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency, or any successor agency, at any time during the Loan term, in connection with any flood zone determinations. (b) Default Charges. If permitted under Applicable Law, Lender may charge Borrower fees for services performed in connection with Borrower’s Default to protect Lender’s interest in the Property and rights under this Security Instrument, including: (i) reasonable attorneys’ fees and costs; (ii) property inspection, valuation, mediation, and loss mitigation fees; and (iii) other related fees. (c) Permissibility of Fees. In regard (o any other fees, the absence of express authority in this Security Instrument to charge a specific fee to Borrower should not be construed as a prohibition on the charging of such fee. Lender may collect fees and charges authorized by the Secretary. Lender may not charge fees that are expressly prohibited by this Security Instrument or by Applicable Law. (d) Savings Clause. [f Applicable Law sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then (i) any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit, and (ii) any sums already collected from Borrower which excecded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment. To the extent permitted by Applicable Law, Borrower’s acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices; Borrower’s Physicul Address. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. (a) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower in connection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first class mail, or (ii) actually delivered to Borrower’s Notice Address (as defined in Scction 15(c) below) if sent by means other than first class mail or Electronic Communication (as defined in Section 13(b} below). Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. If any notice to Borrower required by this Sccurity Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. (b) Flectronic Notice to Borrower. Unless another delivery method is required by Applicable 1.aw, Lender may provide notice to Borrower by e-mail or other electronic communication (“Electronic Communication™) if: (i) agreed to by Lender and Borrower in writing; (ii) Borrower has provided Lender with Borrower’s c-mail or other electronic address (“Electronic Address”); (iii) Lender prosides Borrower with the option to receive notices by first class mail or by other non- Electronic Communication instead of by Electronic Communication; and (iv) Lender otherwise complies with Applicable Law. Any notice 1o Borrower sent by Electronic Communication in connection with this Security Instrument will be deemed to have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. I Lender becomes aware that any notice sent by Electronic Communication is not delivered, Lender will resend such communication to Borrower by [ist class mail or by other non-Elcctronic Communication. Borrower may withdraw the agreement to receive Electronic Communications from Lender at any time by providing written notice to Lender of 3crrower’s withdrawal of such agreement. FHA OREGON DEED OF TRUST (1/23) © 2026 Covius 'ervices, LLC Page 14 of 21 O T SRTEYEN 1 (c) Borrower’s Notice Address. The address to which Lender will send Borrower notice (“Notice Address™) will be the Property Address unless Borrower has designated a different address by written notice to Lender. I Lender and Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an Electronic Address as Notice Address. Borrower will promptly notify Lender of Borrower’s change of Notice Address, including any changes to Borrower’s Electronic Address if designated as Notice Address. If Lender specifies a procedure for reporting Borrower’s change of Notice Address, then Borrower will report a change of Notice Address only through that specified procedure. (d) Notices to Lender. Any notice to Lender will be given by delivering it or by mailing it by first class mail to Lender’s address stated in this Security Instrument unless Lender has designated another address (including an Electronic Address) by notice to Borrower. Any notice in connection with this Sccurity Instrument will be deemed to have been given to Lender only when actually received by Lender at Lender’s designated address (which may include an Electronic Address). If any notice to Lender required by this Security Instrument is also required under Applicable Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument. ‘ (e) Borrower’s Physical Address. In addition to the designated Notice Address, Borrower will provide Lcnder with the address where Borrower physically resides, if different from the Property Address, and notify Lender whenever this address changes. 16. Coverning Law; Severability; Rules of Construction. This Security Instrument is governed by tederal law and the law of the State of Oregon. All rights and obligations contained in this Security {nstrument are subject to any requirements and limitations of Applicable Law. If any provision of this Security Instrument or the Note conflicts with Applicable Law (i) such conflict will not affect other provisions of this Sccurity Instrument or the Note that can be given effect without the conflicting provision, and (i) such conflicting provision, to the extent possible, will be considered modified to comply with Applicable Law. Applicable Law might explicitly or implicitly allow the parties to awree by contract or it might be silent, but such silence should not be construed as a prohibition «uiinst agreement by contract. Any action required under this Security Instrument to be made in accordance with Applicable Law is to be made in accordance with the Applicable Law in effect at the 1ime the action is undertaken. As used in this Sceurity Instrument: {a) words in the singular will mean and include the plural and vice versa: {b) the word “may” gives sole discretion without any obligation to take any action; (c) any reference 1o “Section” in this document refers to Sections contained in this Security Instrument unless otherwisc noted; and (d) the headings and captions are inserted for convenience of reference and do not defing, limit, or describe the scope or intent of this Security Instrument or any particular Section, parauvraph, or provision. 17. Borrower’s Copy. One Borrower will be given one copy of the Note and of this Security Instrument. 18. Transfer of the Property or a Beneficial Interest in Borrower. For purposes of this Section 18 on'v. “Interest in the Property” means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment « ' s contract, or escrow agreement, the intent of which is the transfer of title by Borrower to a purchascr ata future date. If all or any part of the Properly or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without FHA OREGON DELD OF TRUST (1/23) © 2026 Covius = rvices, LLC . Page 15 of 21 T (1 il 0 - Lender’s prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, Lender will not exercise this option if such exercise is prohibited by Applicable Law. If Lender exercises this option, Lender will give Borrower notice of acceleration. The notice will provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to, or upon, the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower and will be entitled to collect all expenses incurred in pursuing such remedies, including, but not limited to: (a) reasonable attorneys’ fees and costs; (b) property inspection and valuation fees; and (c) other fees incurred to protect Lender’s Interest in the Property and/or rights under this Security Instrument. 19. Borrower’s Right to Reinstate the Loan after Acceleration. If Borrower meets certain conditions, Lorrower will have the right to reinstatement of the Loan. However, Lender is not required to reinstate if: (a) Lender has accepted reinstatement after the commencement of foreclosure proceedings within two years immediatcly preceding thc commencement of a current foreclosure proceedings; (b) reinstatement will preclude foreclosure on different grounds in the future, or (c) reinstatement will adverscly affect the priority of the lien created by this Security Instrument. This right to reinstate will not apply in the case of acceleration under Section 18. To reinstate the Loan, Borrower must satisfy all of the following conditions: (aa) pay Lender all sums that then would be due under this Security Instrument and the Note as if no acceleration had occurred; (:h) cure any Default of any other covenants or agreements under this Security Instrument or the Note; (v©) pay all expenses incurred in enforeing this Security Instrument or the Note, including, but not limited to: (i) rcasonable atlorneys® fees and costs; (i) property inspection and valuation fees; and (iii) other fees incurred to protect Lender’s interest in the Property and/or rights under this Security Instrument or the Note; and (dd) take such action as Lender may reasonably require to assure that Lender’s interest in the Property and/or rights under this Security Instrument or the Note, and Borrower’s obligation to pay the sums secured by this Security Instrument or the Note, will continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the followng forms, as selected by Lender: (aaa) cash; (bbb) money order; (ccc) certified check, bank checl, treasurer’s check, or cashier’s check, provided any such check is drawn upon an institution w!.osc deposits are insured by a U.S. federal agency, instrumentality, or entity; or (ddd) Electronic Fund Transfer. Upon Borrower’s reinstatement of the Loan, this Security Instrument and obligations sccured by this Security Instrument will remain fully effective as if no acceleration had occurred. 20. Sale of Note. The Note or a partial interest in the Note, together with this Security Instrument, may be sold or otherwise transferred one or more times. Upon such a sale or other transfer, all of Lender’s rights and obligations under this Security Instrument will convey to Lender’s successors ind nssigns. 21. Loan Servicer. Lender may take any action permitted under this Security Instrument through the Loan Servicer or another authorized representative, such as a sub-servicer. Borrower understands tiut the Loan Scrvicer or other authorized representative of Lender has the right and authority to tak.c any such action. The Loan Servicer may change one or more times during the term of the Note. The Loan Servicer may or may not be the holder of the Note. The Loan Servicer has the right and authority to: FHA ORECON DEED OF TRUST (1/23) & 2026 Covius Gervices, LLC Page 16 0f 21 AT et (1)1 “i . T60D§ ] (a) collect Periodic Payments and any other amounts due under the Note and this Security Instrument; (b) perform any other mortgage loan servicing obligations; and (c) exercise any rights under the Note, this Security Instrument, and Applicable Law on behalf of Lender. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made, and any other information RESPA requires in connection with a notice of transfer of servicing. 22. Hazardous Substances. (a) Definitions. As used in this Section 22: (i) “Environmental Law” means any Applicable Laws where the Property is located that relate to health, safety, or environmental protection; (ii) “Hazardous Substances™ include (A) those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law, and (B) the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, corrosive materials or agents, and radioactive materials; (i1i) “Environmental Cleanup™ includes any response action, remedial action, or removal action, as delined in Environmental Law; and (iv) an “Environmental Condition” means a condition that can cause, contribute to, or otherwise trigger an Environmental Cleanup. (b) Restrictions on Use of Hazardous Substances. Borrower will not cause or permit the presence, usc, disposal, storage, or rclease of any Hazardous Substances, or threaten to release any Hazardous Substances, on or in the Property. Borrower will not do, nor allow anyone else to do, anything affecting the Property that: (i) violates Environmental Law; (ii) creates an Environmental Condition; or (iii) duc to the presence, usc, or rclease of a Hazardous Substance, creates a condition that adverscly afTects or could adverscly affect the value of the Property. The preceding two sentences will not apniy to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property (including, but not limited to, hazardous substances in consumer products). (¢) Notices; Remedial Actions. Borrower will promptly give Lender written notice of: (i) any investigation, claim, demand, lawsuit, or other action by any governmental or regulatory agency or private partv involving the Property and any Hazardous Substance or Environmental Law of which Borrower his actual knowledge; (ii) any Environmental Condition, including but not limited to, any spilling, lea'.inu. discharge, release, or threat of release of any Hazardous Substance; and (i) any condition c.u~.d by the presence, use, or relcase of a Hazardous Substance that adversely affects the value of the rroperty. If Borrower learns, or is notificd by any governmental or regulatory authority or any priva : party, that any removal or other remediation of any Hazardous Substance affecting the Property is nccessary, Borrower will promptly take all necessary remedial actions in accordance with Environmental Law. Nothing in this Sccurity Instrument will create any obligation on Lender for an Environmentz! Cleanup. 23. Flectronic Note Signed with Borrower’s Electronic Signature, If the Note evidencing the debt for this Loan is electronic, Borrower acknowledges and represents to Lender that Borrower: (a) expresslv consented and intended to sign the electronic Note using an Electronic Signature adopted by Borrow.v {Borrower’s Electronic Signature™) instead of signing a paper Note with Borrower’s written pen . ink signature; (b) did not withdraw Borrower’s express consent to sign the electronic Note using ' orrower’s Electronic Signature; (c) understood that by signing the electronic Note using Borrower’s lcctronic Signature, Borrower promised {o pay the debt evidenced by the electronic Note in accordance with its 1erms; and (d) signed the electronic Note with Borrower’s Electronic Signature FHA OREGON NEED OF TRUST (1/23) © 2026 Covius Services, LLC Page 17 of 21 LT Tt o1 1111 s 87 with the intent and understanding that by doing so, Borrower promised to pay the debt evidenced by the electronic Note in accordance with its terms. 24. Borrower Not Third-Party Benceficiary to Contract of Insurance. Mortgage Insurance reimburses Lender (or any entity that purchases the Mote) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower acknowledges and agrees that the Borrower is not a third party beneficiary to the contract of insurance between the Secretary and Lender, nor is Borrower entitled to enforce any agreement between Lender and the Secretary, unless explicitly authorized to do so by Applicable Law. NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 25. Acceleration; Remedies. (a) Notice of Default. Lender will give a nozice of Default to Borrower prior to acceleration following Borrower’s Default, except that such notice of Default will not be sent when Lender exercises its right under Section 18 unless Applicasle Law provides otherwise. The notice will specify, in addition to any other information requircd by Applicable Law: (i) the Default; (ii) the action required to cure the Default; (iit) a date, not less than 30 days (or as otherwise specified by Applicable Law) from the date the notice is given to Borrower, by which the Default must be cured,; (iv) that failure to curc the Default on or before the date specified in the notice may result in acceleration of the sums sccured by this Security Instrument and sale of the Property; (v) Borrower’s right to reinstate after acceleration; and (vi) Borrower’s right to bring a court action to deny the existence of a Default or to assert any other defense of Borrower to acceleration and sale. (b) Acceleration; Power of Sale; Expenses. [f the Default is not cured on or before the date specified in the notice, Lender may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Unless prohibited by Applicable Law, Lender will be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 25, including, but not limited to: (i) rcasonable attorneys’ fees andfor trustees’ fees and costs and other fees and costs associated with the enforcement of this Security Instrament, including but not hmited to, foreclosure trustee’s and sheriff’s fees and costs, and title costs; (ii) property inspection and valuation fees; and (iii) other fees incurred for the purposc of protecting Lender’s interest in the Property and/or rights under this Security Instrument, (c) Notice of Sale; Sale of Property. If Lender invokes the power of sale, Lender will execute or cause Trustce to execute a writlen notice of the occurrence of an event of Default and of Lender’s ¢lection to causc the Property to be sold anid will cause such notice to be recorded in each county in which any part of the Property is located. Lender or Trustee will give notice of sale in the manner prescribed by Applicable Law to Borrower and to other required recipients. At a time permitted by, and in accordance with, Applicable Law, Trustee, without further demand on Borrower, will sell the Property at public auction to the highest tidder at the time and place and under the terms designated in the noticc of sale in one or more parcels and in any order Trustee determines. Trustee may postpone sile of all or any parcel of the Property by public announcement at the time and place of any previousiy scheduled sale. Lender or its designee may purchase the Property at any sale. (4 Trustee’s Deed; Proceeds of Sale, Trustee will deliver to the purchaser a Trustee’s deed conveying the Property without any covenant or warranty, expressed or implied. The recitals in the FHA ORECON DEED OF TRUST (1/23) © 2026 Covi. 5 Services, LLC Page 18 of 21 DRONE: SGME0AN TOAGRN RN 0 AR -] 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 following orcer, or as otherwise required by Applicable Law: () to all expenses of the sale, including, but not limited to, reasonable Trustee’s and reasonable attorneys’ fees and costs; (ii) to all sums secured by -his Security Instrument; and (iii) any excess to the person or persons legally entitled to it. 26. Reconveyance. Upon payment of all sums secured by this Security Instrument, Lender will request Trustee 1o reconvey the Property and will surrender this Security Instrument and all Notes evidencing the debt secured by this Security Instrument to Trustee. Upon such request, Trustee will reconvey the Property without warrany to the person or persons legally entitled to it. Such person or persons will pay any recordation cosls associated wit1 such reconveyance. Lender may charge such person or persons a fee for reconveying the Property, but only if the fee is paid to a third party (such as the Trustec) for services rendered and the charging of the fee is permitted under Applicable Law. 27. Substitute Trustee. Lender may, from time to time, by itself or through the Loan Servicer, or any other duly appointed agent or nom:nee of Lender, remove Trustee and appoint a successor trustce to any Trusice appointed under this Security Instrument. Without conveyance of the Property, the successor trustee will succeed to all the title, power, and duties conferred upon Trustee in this Security Instrument and by Applicable Law. 28. Attorneys’ and Others’ Fees. Lender will be entitled to recover its reasonable attorneys’ and/or forcclosure trustees’ fees and costs in any action or proceeding to construe or enforce any term of this Security Instrument unless prohibited or restricted by Applicable Law. The term “attorneys’ fees,” whenever used in this Security Instrument, includes without limitation attorneys’ fees incurred by Lender in any bankruptcy or appellate proceeding, 2Y. Protective Advances. This Security Instrument secures any advances Lender, at its discretion, may make under Section 9 (o protect Lender’s interest in the Property and rights under this Security Instrument. 3, Required Evidence of Property Insurance. WARNING Unless Borrower provides Lender with evidence of the insurance coverage as required by this contract or loan agreement, Lender may purchase insi: ace at Borrower’s expense to protect Lender’s interest. This insurance may, but need not, also protect Borrower’s interest. If the collateral becomes damaged, the coverage Lender purchases may not pay any claim Borrower makes or any claim made against Borrower. Borrower may later cancel this coverage by providing evidence that Borrower has obtainec property coverage elsewhere. Borrower is responsible for the cost of any insurance purchased by Lender. The cost of this insurance may be aidded to this contract or Borrower’s loan balance. If the cost is added to this contiact or Borrower’s loan balance, the interest rate on the underlying contract or loan will apply to this added amount. The difective date of coverage may be the date Borrower’s prior coverage lapsed or ' ¢ Jate Borrower failed to provide proof of coverage. The coverage Lender purchases may be considerably more expensive than insurance Borrower can obtain on their own and may not satisfy any need for pronerty damage coverage or any mandatory liability insurance requirements inposed by Applicable Law. FHA ORECON DETRD OF TRUST (1123) ® 2026 Covius Services, LLC Page 19 of 2t T 111 1111 v 2-91 3-24d BY SIGNING BELOW, Borrower accepts and agrees to the ternis and covenants contained in this Security Instrument and in any Rider signed by Borrower and recorded with it. Witnesses: Witness - Witness - iSea) Borrower - L MARSHALL iSea)) Borrower - GERRY C MARSHALL [Space Below This Line For Acknowiedgment] State of OREGON County of KLAMATH 4’,11- This record was acknowledged before me on ~J Q by JENNIFER L MARSHALL and GERRY C MARSHALL. 4 Wlf; :&%?g?m (SignEtare of notanz: officer) (Sealf NOTARY PUBLIC - OREGON ' _ COMMISSION NO. 1054388. Title or rank: Notary Putlic MY COMMISSION EXPIRES DECEMBER 2, 2028 My Commission expores: ‘ cl. ; [ ] This notarial act involved the use of communication technology. FHA OREGON DEED OF TRUST (1/23) © 2026 Covius Services, LLC Page 20 of 21 T 11111 744 Loan Originator Organization: NEWREZ LLC NMLS ID: 3013 Loan Originator: JOHN TINSMAN NMLS ID: 2292699 FHA OREGON DEED OF TRUST (1/23) ® 2026 Covius Services, LLC 27766337 - 32000038 LNIRTEOMRI DA 13- LR I 2= Page 21 of 21 NIRRT | §04d 3 Ll Loan Number 9744767600 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Rider) THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (“MERS Rider”) is made this 4TH day of APRIL, 2026, and is incorporated into and amends and supplements the Deed of Trust or Mortgage Deed (ithe “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 NEWREZ LLC (“Lender”™) of the same date and covering the Property described in the Security Instrument, which is located at: 15642 HIGHWAY 66, KENO, OREGON 97627-9720 {Property Address] 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 1. The DEFINITIONS section of the Security Instrument is amended as follows: “Lender” is NEWREZ LLC. Lender is a LIMITED LIABILITY COMPANY organized and existing under the laws of DELAWARE. Lender’s address is 1100 VIRGINIA DRIVE, SUITE 125, FORT WASHINGTON, PA 19034, Lender is the beneficiary under this Security Instrument. The term “Lender” includes any successors and assigns of Lender. “MERS” is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is the Nominee for Lender and is acting solely for Lender. MERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, Ml 48501-2026, tel. (888) 679-MERS. MERS is appointed as the Nominee for Lender to exercise the rights, dutics, and obligations of Lender as Lender may from time to time direct, including but not limited 1o appointing a successor (rustee, 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 successers and assigns of MERS. This appointment will inure to and bind MERS, its successors and assigns, as well as Lender, until MERS’ Nominee interest is terminated. 2. The DEFINITIONS section of the Security Instrument is further amended to add the following delinition: “Nomince” means one designated to act for another as its representative for a limited purpose. FHA MERS RIDER (1/23} © 2026 Covius Serwces LLc {page ! of 4 pages) }|u,|“||J||;||||\||l|||j\ LA IR 0 | B. TRANSFER OF RIGHTS IN THE PROPERTY The TRANSFER OF RIGHTS IN THE PROPERTY section of the Security instrument is amended to read as follows; This Security Instrument secures to Lender (i) the repayment of the Loan, anZ all renewals, extensions, and modifications of the Note, and (ii) the performanc2 of Borrower’s covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower irrevocably grents and conveys to Trustee, in trust, with power of sale, the following described property located in the County of KLAMATH [Type of Recording Jurisdiction] {Name of Recording Jurisdiction] LEGAL DESCRIPTION ATTACHED HERETO AND MADE PART HEREOF EXHIBIT A which currently has the address of 15642 HIGHWAY 66 [Street] KENO . OREGON 97627-9720 (“Property Address™): [City] [Srate] [Zip Code] TOGETHER WITH all the improvements now or subsequently erected on the property, including replacements and additions to the improvements on such property, all property rights, including, without limitation, all easements, appuricnances, royahies, mincral rights, oil or gas rights or profits, water rights, and fixtures now or subsequently a part of the property, All of the foregoing is referred to in this Security Instrument as the “Property.” . Lender, as the beneficiary under this Security Instrument, designates MERS as the Nominee for Lender. Any notice required by Applicable Law or this Security Instrument to be served on Lender must be served on MERS as the designated Nominee for Lender. RBorrower understands and agrees that MERS, as the designated Nomince for Lender, has the right to exercise any or all interests granted by Borrower to Lender, including, but not limited to, the right 1o foreclose and sell the Prcperty; and to taxe any action required of Lender including, but not limited 1o, assigning and relcasing this Security Instr.ment, and substituting a successor irustee. C. NOTICES; BORROWER’S PHYSICAL ADDRESS Section 15 of the Security Instrument is amended to read as follows: 15. Notices; Borrower’s Physical Address. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. (1) Notices to Borrower. Unless Applicable Law requires a different method, any written notice to Borrower in connection with this Security Instrument will be deemed to have been given to Borrower when (i) mailed by first class mail, or (ii) actually delivered to Borrower’s Notice Address (as defined in Section 15(c) below) if sent by means other than first class mail or Electronic Communication (as defined in Section 13(b) below). Notice to any one Borrower will constitute notice to all Borrowers unless Applicable Law expressly requires otherwise. If any notice to Bcrrower required by this Security Instrument is also required under Applicasle Law, the Applicable Law requirement will satisfy the corresponding requirement under this Security instrument. FHA MERS RIDER {1/23) @ 2026 Covius Sarvices, LLC {page 2 of 4 pages) 27766337 - 340C 2016 (b) Elcctronic Notice to Borrower. Unless another delivery method is required by Applicable Law, Lender may provide notice to Borrower by e-mail or oher electronic communication (“Electronic Communication™) if; (i) agreed to by Lender and Borrowszr in writinz; (ii) Borrower has provided Lender with Borrower’s e-mail or other electronic address (“Electronic Address™); (iii) Lender provides Borrower with the option to receive notices by first class mail or by other non-Electronic Communication instead of by Elecironic Communication; and (iv) Lender otherwise complies with Applicable Law. Any notice to Borrower sent by Electron'c Commun-cation in connection with this Security Instrument will be deemed to have been given to Borrower when sent unless Lender becomes aware that such notice is not delivered. If Lender becomes aware tha: 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 siritten notice to Lender of Borrower’s withdrawal of such agreement. (¢) Borrower’s Notice Address. The address to which Lender will send Borrower notice (“Notice Address™) will be the Properiy Address unless Borrower has designated a different address by written notice to Lender, 1f Lender and Borrower have agreed that notice may be given by Electronic Communication, then Borrower may designate an Electronic Address as Notice Address. Borrower will promptly notify Lender of Borrower’s change of Notice Adcress, 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 chenge of Notice Address only through that specified procedure. (d) Notices to Lender. Any notice to Lender will be given by delivering it or by mailing it by first class mail 1o Lender’s address stated in this Security Instrument unless Lender has designated another address (including an Electronic Address) by noticz to Borrov-er. Any notice in connection with this Security Instrument will be deemed to have been given to Lender orly when actually received by Lender at Lender’s designated address (which may incluce an Electronic Address). If any notice to Lender required by this Security Instrument is also required under Applizzble Law, the Applicable Law requircment will satisfy the corresponding requirement under this Security Instrument. Borrower acknowledges that any nofice Borrower provides to Lender must also be provided to MERS as Nomince for Lender until MERS® Nominee interest is terminated. Any notice provided by Borrower in connection with this Security Instrument will be deemed to 2ave been given to MERS only when actually received by MERS. (¢} Borrower's Physical Address. In addition 1o the designated Notice Address, Borrower will provide Lender with the address where Borrower physically resides, if different from the Property Address, and notify Lender whenever this address changes. D. SALE OF NOTE Section 20 of the Sccurity [nstrument is amended to read as fallows: ). Sale of Note. The Note or a partial interest in the Note, together with this Security [nstrument, may be sold or otherwise transferred onc or more times. Jpon such a sale or other transfer, all of Lendc: s rights and obligations under this Security Instrument will convey to Lender’s successors and assigns. Lender acknowledges that until it directs MERS to assign MERS’s Nominee interest in this Secunityv Instrument, MERS remains the Nomince for Lender with the authority to exercise the rights of Lender. FHA MERS RIDIR (1123) ® 2026 Covius Services, LLC {page 3 of 4 pages) 27766337 - 34202016 E. SUBSTITUTE TRUSTEE Section 27 of the Security Instrument is amended to read as follows: 27. Substitute Trustee, In accordance with Applicable Law, Leader or MERS may from time to time appoint a successor trustee to any Trusice appointed hereunder. ‘Wihcut convevance of the Property, the successor trustee will succeed to all the title, power, and duties conferrzd von Trustee 2r.d by Applicable Law. BY SIGNING BELOW, Borrower accepts and agrees to ths tzzms nd covenants contained in this MERS Rider. (Seal) IZNNIFER J/MARSHALL Borrower - (Seal} Borrower - GERRY C MARSHALL FHA MERS RIDER (1/23) © 2026 Covius Services, LLC (page 4 of 4 pages) 27766337 - 34000016 Loan No.: 9744767600 MANUFACTURED HOME RIDER TO THE MORTGAGE/DEED OF TRUST/SECURITY DEED This Rider is made this 4TH day of APRIL, 2026, and is incorporated into and amends and supplements the Mortgage/Deed of Trust/Security Deed (the “Security Instrument™) of the same cate given by the undersigned (the “Borrower”) to secure Borrower’s Note to NEWREZ LLC (the “Lender”) of the same date (the “Note™) and covering the Property described in the Security Instrument and located at; 15642 HIGHWAY 66, KENO, OREGON 97627-9720 Borrower and Lender agree that the Security Instrument is amended and supplemented to read as follows: A. B. The Property covered by the Security Instrument (referred to as “Property” in the Security Instrument) includes, but is not limited to, the Manufactured Home (Serial Number /VIN 00000000111823292 Model: 60J3BD 5 Make: REDMAN HOMES, INC. Year: 1996 Size: 57X27 ) Label/Seal No. ORE312444 & ORW312445 affixed to the property legally described in the Security instrument. Additional Covenants of Borrower: 1. Borrower will comply with all state and local laws and regulations regarding the affixation of the Manufactured Home to the property described in the Security Instrument including, but not limited to, surrendering the Certificate of Title (if required) and obtaining and recording the requisite governmental approval and accompanying documentation necessary to classify the Manufactured Home as real property under state and local law, including a statement of ownership and location. 2. The Manufactured Home described above will be, at all times and for all purposes, permanently affixed to and part of the property described in the Security Instrument. 3. Affixing the Manufactured Home to the property described in the Security Instrument does not violate any zoning laws or other local requirements applicable to manufactured homes. 27766337 - 73010001 © 2026 Covius Services, LLC (page 1 of 2 pages) I 1 Il 974 4 [ Il il | | Il | i T Loan No.: 9744767600 By signing below, Borrower accepls and agrees to the terms and covenants contained in this Date: 4 IU’IZb Borrower - JENNIFER L MARSHALL Date:[’{ I?f IM( Borrower - GERRY C MARSHALL 27766337 - 73010001 © 2026 Covius Services, L_C {page 2 of 2 pages) AFFIXATION AFFIDAVIT REGARDING MANUFACTURED (AND FACTORY BUILT) HOUSING UNIT LOAN NO.: 9744767600 MIN: 100754497447676002 MERS Phone: 1-888-679-6377 This Affixation Affidavit Regarding Manufactured (and Factory Built) Housing Unit is incorporated into and shall be deemed to amend and supplement the Mortgage, Security Deed or Deed of Trust and any and all riders or amendments thereto (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's obligation under the Note, Disclosure and Security Agreement of the same date to Lender and secured by the property described in the Security Instrument {the "Property”) (Exhibit A): LEGAL DESCRIPTION ATTACHED HERETO AND MADE PART HEREOF EXHIBIT A which currently has the address of 15642 HIGHWAY 66 [Street] KENO, OREGON 97627-9720 (“Property Address”): In addition to the covenants and agreements made in the Security Instrument, Borrower covenants and agrees as follows: 1. The manufactured housing unit located or to be located at the Property is or will be permanently affixed to a foundation and will assume the characteristic of site-built housing. 2. The wheels, axles, towbar, or hitch were or will be removed when said manufactured housing unit was or is placed on its permanent site. 3. All foundations, both perimeter and piers for said manufactured housing unit have or will have footings that are located below the frost line or in compliance with local building codes or requirements. 4. If piers are used for said manufactured housing unit, they will be placed where said housing unit manufacturer recommends. 5. If state law so requires, anchors for said manufactured housing units will be provided. 6. The manufactured housing unit is or will be permanently connected to a septic or sewage system and other utilities such as electricity, water and natural gas. 7. No other lien or financing affects said manufactured housing unit, other than those disclosed in writing to Lender. 8. Said manufactured housing unit has been built under the National Manufactured Housing Construction and Safety Standards Act. 9. The foundation system of the manufactured housing unit has been or will be designed by an engineer, if required by state or local building codes, to meet the soil conditions of the site. 1¢. Borrower(s) acknowledges his or her intent that said manufactured housing unit will be a fixture and part of the Property securing the Security Instrument. © 2026 Covius Services, LLC 27766337 - 73000000 Rev. 7117 Page | of 4 DCOHRDAMMIDONE GOSMI (AR ~ 1 ¥ 476 [ 11. The manufactured housing unit will be assessed and taxed as an improvement to the Property. I/'We understand that if Lender does not escrow for these taxes, that I/we will be responsible for payment of such taxes. 12, If the land is being purchased, such purchase and said manufactured housing unit represent a single real estate transaction under applicable state law. 13. The manufactured housing unit is being moved one time only and will be permanently affixed to the property. YEAR 1996 SIZE (Length and Width) 57X27 SERIAL #/VIN 00000000111823292 MAKE REDMAN HOMES, INC. MODEL 60J3BD © 2026 Covius Services, LLC 27766337 - 73000000 Rev. 7/17 Page 2 of 4 0RO Tnmndi - CORANREERImn 7 600 7 476 By signing this, Borrower(s) agree to all of the above. “Seal) Borrower - vSeal) Borrower - GERRY C MARSHALL State of QOREGON County of KLAMATH . +L Thi record was acknowledged before me on AO"\/\_Q 4’ y l@ by JENNIFER L MARSHALL and GERRY C MAREHALL. A —g OFFICIAL STAMP v GAl ) ignalure of notarial oticar NOTARY PUBLIC - OREGON SSION NO. 1054388- COMMI > (Seall Title or rank: Notary Putlic i My Commission exp.res: I::-.. [ ] This notarial act involved the use of communication technology. © 2026 Covius Services, LLC 27766337 - 73000000 Rev, 7117 Page 3 of 4 TMINATAUMAMEEIE— TOONWATAI CCENOGR 74 3 74476 - ~9 7478 | oo I Ll 3~ 1P 7 o9 By signing this, Lender's Agent affirms the Lender's intent that the Manufactured Home will be a permanent improvement to the land. Lender: Newrez Lender Agent: Agent Signature: oo YOMSU AN ?Zc?u(:lt(;fofKLAMAIH ‘\)\%‘/\’BQ{MY\/‘ This instrument was acknowledged before me on 4/10/2028 by i as agent of Newrez . (Seal, if any) Notary Public Title (and Rank) My commission expires: 8/16/2027 Commonwealth of Pennsytvania - Notary Seal Viviar Blair, Notary Public Montgomery County My commission expires August 16, 2027 Commission number 1437909 Member, Pennsylvania Association of Notaries © 2026 Covius Services, LLC 27766337 - 73000000 Rev. 7/17 Page 4 of 4 [ MOTAMOMARAN TOMPMIORIE AR SOA 7600 7 47 Exhibit A Legal Description All that property situated i1 the County of Klamath, State of Cregon, more particularly desc:ibed as fol ows: Be:ng a portion cf the NW1/4 NW1/4 of Section 6, Township 40 South, Range 8 East of t1e Wilizmette Meridian, Klamath County, Oregon, described as folicws: Commencing at th2 Northwest corner of Section 6, Township 40 South, Range 8 East of the Willamette Meridian, Klamath County, Qregon, thence South 0°27'06" East along the West boundary of said Section 6, 256.25 f2et to the Southerly boundary line of Ashland-Klamath Falls Highway No. 66; -hence Easterly along 3aic Southerly line 77 feet to the true point of teginning; thence continuing along said Southerly Highway koundary line to the most Northern zorner of that parcel of land describzad in Deed to Keno High Szhol District recorded November 30, 1928 in Volume 82, page 616, Deed racords of Klamath County, Oregon; thence South 33° West along the Ncrthwesterly line thereof, 264 “eet to the most Western zorner of said parcel; thence North 57° West alang the direct extension of the Southerly line of said parze., to the most Southern corner of that parcel of land described in Deed to Vernon F. Miller, et us, reccrded June 29, 1977 in Volume M77, page 11451, Microfilm Records of Klamath County, Oregon; -hence Nzrth 10°36'54" East, 136.31 feet to the true point of beginning. Map No. 4008-2CE 36-00900 & 4008-0066B-01000 Parcel |D: 4008-0C€ 3B-C0900, 4008-0C6EB-01000