After Recording Return To: HOMEBRIDGE FINANCIAL SERVICES INC AT'TN: FINAL CLOSING DEPARTMENT 99 WOOD AVE SOUTH SUITE 301 ISELIN . N.J 08830 Until a change is requested all tax statements shall be sent to the following address: DONALD SEAMAN 3024 FRONT ST KLAMATH FALLS,OR 97601 US Grantor(s): 2026-003702 Klamath County, Oregon 04/28/2026 08:33:03 AM Fee: $137.00 DONALD SEAMAN WHO ACQUIRED TITLE AS DON SEAMAN AND DORA E VEGA—SEAMAN, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY 3024 FRONT ST KLAMATH FALLS,OR 97601 Grantee: HOMEBRIDGE FINANCIAL SERVICES INC. 99 WOOD AVE. SOUTH, SUITE 301 ISELIN,. NJ 08830 Maximum Principal Amount: $204, 000.00 Maturity Date: APRIL 18, 2056 True and Actual Consideration is: $204, 000. 00 [Space Above This Line For Recording Data] TRUST DEED (LINE OF CREDIT TRUST DEED) Mortgage Electronic Registration Systems. Inc. SEAMAN is the Nominee of Lender Loan #: 100674298586235 PO Box 2026 PIN: 3809-019BC—-01200 Flint, MI 48501-2026 MIN: 100288270000352716 MERS Phone: 1-888—-679— 6377 THIS TRUST DLELD, dated APRIL 18, 2026, is between DONALD SEAMAN WHO ACQUIRED TITLE AS DON SEAMAN AND DORA E VEGA—SEAMAN, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY residing at 3024 FRONT ST, KLAMATH FALLS, OR 97601 US. the person or persons signing as "Grantor(s)" below and hereinafter referred to as "we"” or "us” and CHICAGO TITLE COMPANY OF OREGON, AN OREGON CORPORATION, as trustee and hereinafter referred to as the "Trustee,” with an address at 10135 SE SUNNYSIDE RD. SUITE 130, HELOC - OR Trust Deed with MERS EX [370.58 Page | of 7 100674298586235 CLACKAMAS, OR 97015 for the benefit of "Mortgage Electronic Registration Systems, Inc.” ("MERS"), as nominee for HOMEBRIDGE FINANCIAL SERVICES INC., its successors and assigns, (hereinafter "you" or "Lender”). with an address at P.O. Box 2026, IFlint. M1 48501-2026, tel. (888) 679-MLRS, referred to as the "Beneficiary.” The Lender has an address of 99 WOOD AVE. SOUTH, SUITE 301, ISELIN, NJ 08830. You have appointed MERS as your nominee for this Loan (as hereafter described), and attached a MERS Rider to this Security Instrument, to be executed by us, which further describes the relationship between you and MERS, and which is incorporated into and amends and supplements this Deed of Trust. PREMISES: In consideration of the loan hereinafter described, we hereby mortgage. grant and convey to the Trustee the Premises located at: 3024 FRONT ST, KLAMATH FALLS, OR 97601 (the "Premises”) and further described as: SITUATED IN THE COUNTY OF KLAMATH AND STATE OF OREGON.LOT 10, BLOCK I, TRACT NO. 1209, HARBOR ISLES, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE CLERK OF KLAMATH COUNTY, OREGON.BEING THE SAME PROPERTY CONVEYED TO DON SEAMAN AND DORA E VEGA—SEAMAN, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY FROM DEUTSCHE BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR INDYMAC INDX MORTGAGE LOAN TRUST 2006—AR2, MORTGAGE PASS— THROUGH CERTIFICATES SERIES 2006—AR2, BY: OCWEN LOAN SERVICING, LLC, AS ATTORNEY—-IN-FACT, DATED 06/1%9/2018, RECORDED 06/26/2018, DEED INSTRUMENT NO. 2018-007674, COUNTY OF KLAMATH, STATE OF OREGON. The Premises includes all buildings and other improvements now or in the future on the Premises and all rights and interests which derive from our ownership. use or possession of the Premises and all appurtenances thereto, together with all existing or subsequently erected or affixed buildings, improvements and fixtures: all streets, lanes. alleys, passages, and ways;: all easements, rights of way, all liberties, privileges, tenements, hereditaments. and appurtenances thereunto belonging or anywise made appurtenant hereafter, and the reversions and remainders with respect thereto. TERM: The maximum term of the Agreement is 30 years, including any renewals or extensions thereof. LOAN: The Trust Deed will secure your loan in the maximum principal amount of $204, 000.00 or so much thereof as may be advanced and readvanced from time to time to DONALD SEAMAN the Borrower(s) under the Home Equity Line of Credit Agreement and Disclosure Statement (the "A greement"”) dated APRIL 18, 2026. plus interest and costs, late charges and all other charges related to the loan. all of which sums are repayable according to the Agreement, which has a maturity date of APRIL 18, 2056. This Trust Deed will also secure the performance of all of the promises and agreements made by us and each Borrower and Co-Signer in the Agreement, all of our promises and agreements in this Trust Deed, any extensions, renewals, amendments, supplements and other modifications of the Agreement, and any amounts advanced by you under the terms of the section of this Trust Deed entitled "Our Authority To You." Loans under the Agreement may be made. repaid and remade from time to time in accordance with the terms of the Agreement and subject to the Credit Limit set forth in the Agreement. OWNERSHIP: We are the sole owner(s) of the Premises. We have the legal right to mortgage, grant and convey the Premises to the Trustee. GRANTOR'S IMPORTANT OBLIGATIONS: HELOC - OR Trust Deed with MERS EX [370.58 Page 2 of 7 100674298586235 (a) PAYMENT AND PERFORMANCE: We will pay to you all amounts secured by this Trust Deed as they become due, and shall strictly perform our obligations. (b) TAXES: We will pay all real estate taxes. assessments, water charges and sewer rents relating to the Premises when they become due. We will not claim any credit on., or make deduction from, the loan under the Agreement because we pay these taxes and charges. We will provide you with proof of payment upon request. (c) MAINTENANCLE: We will maintain the building(s) on the Premises in good condition. We will not make major changes in the building(s) except for normal repairs. We will not tear down any of the building(s) on the Premises without first getting your consent. (We will not conduct or permit any nuisance or waste on or to the Premises.) We will not use the Premises illegally. If this Trust Deed is on a unit in a condominium or a planned unit development, we shall perform all of our obligations under the declaration 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. (d) INSURANCL: We will keep the building(s) on the Premises insured at all times against loss by fire. flood and any other hazards you may specify. We may choose the insurance company, but our choice is subject to your reasonable approval. The policies must be for at least the amounts and the time periods that you specify. We will deliver to you upon your request the policies or other proof of the insurance. The policies must name you as "mortgagee” and "loss-payee” so that you will receive payment on all insurance claims, to the extent of your interest under this Trust Deed. before we do. The insurance policies must also provide that you be given not less than 10 days prior written notice of any cancellation or reduction in coverage. for any reason. Upon request, we shall deliver the policies. certificates or other evidence of insurance to you. In the event of loss or damage to the Premises. we will immediately notify you in writing and file a proof of loss with the insurer. You may file a proof of loss on our behalf if we fail or refuse to do so. You may also sign our name to any check. draft or other order for the payment of insurance proceeds in the event of loss or damage to the Premises. If you receive payment of a claim. you will have the right to choose to use the money either to repair the Premises or to reduce the amount owing on the Agreement. (e) CONDEMNATION: We assign to you the proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation or other taking of the Premises, or part thereof, or for conveyance in lieu of condemnation, all of which shall be paid to you, subject to the terms of any trust deed or deed of trust that has priority to this Trust Deed. () SECURITY INTEREST: We will join with you in signing and filing documents and. at our expense, in doing whatever you believe is necessary to perfect and continue the perfection of your lien and security interest in the Premises. (g) OUR AUTHORITY TO YOU: If we fail to perform our obligations under this Trust Deed, you may, if you choose, perform our obligations and pay such costs and expenses. You will add the amounts you advance to the sums owing on the Agreement, on which you will charge interest at the interest rate set forth in the Agreement. If. for example. we fail to honor our promises to maintain insurance in effect, or to pay filing fees. taxes or the costs necessary to keep the Premises in good condition and repair or to perform any of our other agreements with you, you may, if you choose, advance any sums to satisfy any of our agreements with you and charge us interest on such advances at the interest rate set forth in the Agreement. This Trust Deed secures all such advances. Your payments on our behalf will not cure our failure to perform our promises in this Trust Deed. Any replacement insurance that you obtain to cover loss or damages to the HELOC - OR Trust Deed with MERS EX [370.58 Page 3 of 7 100674298586235 Premises may be limited to the amount owing on the Agreement plus the amount of any trust deed or deed of trust that has priority to this Trust Deed. (h) HAZARDOUS SUBSTANCES: We shall not cause or permit the presence. use, disposal, storage. or release of any Hazardous Substances on or in the Premises. We shall not do. nor allow anyone else to do, anything affecting the Premises that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Premises of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Premises. As used in this paragraph, "Hazardous Substances” are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene. other flammable or toxic petroleum products. toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph, "LLnvironmental Law" means federal laws and laws of the jurisdiction where the Premises are located that relate to health, safety or environmental protection. (i) SALE OFF PREMISES: We will not sell, transfer ownership of, mortgage or otherwise dispose of our interest in the Premises. in whole or in part. or permit any other lien or claim against the Premises without your prior written consent. (j) INSPECTION: We will permit you to inspect the Premises at any reasonable time. NO LOSS OFF RIGHTS: The Agreement and this Trust Deed may be negotiated or assigned by you without releasing us or the Premises. You may add or release any person or property obligated under the Agreement and this Trust Deed without losing your rights in the Premises. REMOVAL OF IMPROVEMENTS: We shall not demolish or remove any improvements from the Premises without your prior written consent. As a condition to the removal of any improvements, you may require us to make arrangements satistactory to you to replace such improvements with improvements of at least equal value. COMPLTANCE WITH GOVERNMENTAL REQUIREMENTS: We shall promptly comply with all laws, ordinances. and regulations, now or hereafter in effect. of all governmental authorities applicable to the use or occupancy of the Premises. We may contest in good faith any such law, ordinance. or regulation and withhold compliance during any proceeding, including appropriate appeals, so long as we have notified you in writing prior to doing so and so long as, in your sole opinion. your interests in the Premises are not jeopardized. You may require us to post adequate security or a surety bond, reasonably satisfactory to you. to protect your interest. DUTY TO PROTLECT: We agree neither to abandon nor to leave unattended the Premises. We shall do all other acts set forth above in this section, which from the character and use of the Premises are reasonably necessary to protect and preserve the Premises. COMPLTIANCE WITH LAWS: We warrant that the Premises and our use of the Premises complies with all existing applicable laws, ordinances. and regulations of governmental authorities. SURVIVAL OF PROMISES: All promises, agreements and statements we have made in this Trust Deed shall survive the execution and delivery of this Trust Deed, shall be continuing in nature and shall remain in HELOC - OR Trust Deed with MERS EX [370.58 Page 4 of 7 100674298586235 full force and effect until such time as the Agreement is paid in full. DEFFAULT: Except as may be prohibited by applicable law, and subject to any notice required by applicable law. if we default on any term in the Agreement and/or of any term of this Trust Deed. you or the Trustee may. in accordance with applicable law. pursue and enforce any rights you or the Trustee have under applicable law, including, without limitation, the right to: (i) accelerate all amounts due under the Agreement; (ii) foreclose upon this Trust Deed, invoke the power of sale conveyed hereunder and sell the Premises, either in whole or in part or in separate parcels at different times, if necessary, until the indebtedness due under the Agreement is satisfied or the Premises is exhausted, whichever occurs first; (iii) enter on and take possession of the Premises: (iv) collect the rental payments. including over-due rental payments. directly from tenants. and you are appointed as our agent and attorney-in-fact to collect any such rents by any appropriate proceeding; (v) manage the Premises, including signing, canceling and changing leases; and (vi) seek appointment of a receiver for the Premises and we hereby appoint you as our attorney- in-fact with authority to consent for us to the appointment of a receiver. This means that, among other rights you or the Trustee may pursue and enforce. you or the Trustee may arrange for the Premises to be sold. as provided by law, in order to pay off what we owe under the Agreement and under this Trust Deed. If the money you receive from the sale is not enough to pay off what we owe you, we will still owe you the difference which you may seek to collect from us in accordance with applicable law. We agree that the interest rate set forth in the Agreement will continue before and after a default, entry of a judgment and foreclosure. Subject to applicable law, if you acquire the Premises at a forced sale following our default, our right to any insurance proceeds resulting from damage to the Premises prior to the acquisition shall pass to you to the extent of the sums secured by this Trust Deed immediately prior to acquisition. In addition. subject to applicable law, you shall be entitled to collect all reasonable fees and costs actually incurred by you or your agents and/or the Trustee or the Trustee's agents arising out of or related to this Trust Deed or the Agreement, including, but not limited to, reasonable attorneys' fees and costs of foreclosure, property preservation, documentary evidence, abstracts and title reports. ASSIGNMENT OF RENTS: APPOINTMENT OF RECEIVER: As additional security, we assign to you the rents of the Premises. You or a receiver appointed by the courts shall be entitled to enter upon, take possession of and manage the Premises and collect the rents of the Premises including those past due. WAIVERS: To the extent permitted by applicable law, we waive and release any error or defects in proceedings to enforce this Trust Deed and hereby waive the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment. levy and sale and homestead exemption. BINDING EFIFECT: Each of us shall be fully responsible for all of the promises and agreements in this Trust Deed. Until the Agreement has been paid in full and your obligation to make further advances under the Agreement has been terminated. the provisions of this Trust Deed will be binding on us, our legal representatives, our heirs and all future owners of the Premises. This Trust Deed is for your benefit and for the benefit of anyone to whom you may assign it. Upon payment in full of all amounts owing to you under the Agreement and this Trust Deed. and provided any obligation to make further advances under the Agreement has terminated. this Trust Deed and your rights in the Premises shall end. NOTICE: Except for any notice required under applicable law to be given in another manner, (a) any notice to us provided for in this Trust Deed shall be given by delivering it or by mailing such notice by regular first class mail addressed to us at the last address appearing in your records or at such other address as we may designate by notice to you as provided herein. and (b) any notice to you shall be given by certified mail. return receipt requested, to your address at HOMEBRIDGE FINANCIAL SERVICES INC., 99 WOOD HELOC - OR Trust Deed with MERS EX [370.58 Page 5 of 7 100674298586235 AVE. SOUTH, SUITE 301, ISELIN, NJ 08830 or to such other address as you may designate by notice to us. Any notice provided for in this Trust Deed shall be deemed to have been given to us or you when given in the manner designated herein. RELEASE: Upon payment of all sums secured by this Trust Deed and provided your obligation to make further advances under the Agreement has terminated, the Trustee shall discharge this Trust Deed without charge to us, except that we shall pay any fees for recording of a reconveyance of this Trust Deed. SEVERABILITY: If any provision in this Trust Deed is held invalid or unenforceable, the remaining provisions shall continue in full force and effect. GENERAL: You (or the Trustee) can waive or delay enforcing any of your rights under this Trust Deed without losing them. Any waiver by you of any provisions of this Trust Deed will not be a waiver of that or any other provision on any other occasion. SUBSTITUTE TRUSTEEL: Beneficiary may, from time to time, appoint a successor trustee by an instrument executed and acknowledged by Beneficiary and recorded in the county in which this Trust Deed is recorded, and upon such recordation the successor trustee shall become vested with the same powers, rights. duties and authority of the Trustee with the same effect as if originally made T'rustee hereunder. MERGER: There shall be no merger of the interest or estate created by this T'rust Deed with any other estate or interest in the Premises at any time held by you or for your benefit without your written consent. RIDERS: The following Riders are to be executed by Borrower [check box as applicable]: [ 1-4 Family Rider [ Condominium Rider [0 Second Home Rider [ Planned Unit Development Rider X Other(s) |specify| MERS RIDER THIS TRUST DEED has been signed by each of us under seal on the date first above written. I 04/18/2026 — GRANTOR — DONALD SEAMAN — DATE — 04/18/2026 DORA E VEGA-SEAMAN — DATE — HELOC - OR Trust Deed with MERS EX [370.58 Page 6 of 7 100674298586235 State of Virginia County of Fairfax County This record was acknowledged before me on 04/18/2026 by Donald Seaman and Dora E Vega-seaman 04/18/2026 ol f il A K Notar blic uwa lg'gr:h?; ?ad:ero" € Oludva};‘unmilayo Aderonke Ogungbade REGISTRATION NUMBER el e 02/28/2030 2965524 My Commission Expires: 128/ COMMISSION EXPIRES February 28, 2030 Notarized remotely online using communication technology via Proof. INELOC - OR Trust Deed with MERS Exl 1370.58 Page 7 of 7 MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER (MERS Ridcr) SEAMAN lLoan #: 100674298586235 MIN: 100288270000352716 THIS MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. RIDER ("MERS Rider") is made this 18TH day of APRIL, 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 Agreement to HOMEBRIDGE FINANCIAL SERVICES INC. ("Lender") of the same date and covering the Property described in the Security Instrument, which is located at: 3024 FRONT ST, KLAMATH FALLS, OR 97601 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 entities: "Lender" and "you' are HOMEBRIDGE FINANCIAL SERVICES INC.. Lender is a CORPORATION organized and existing under the laws of NEW JERSEY. Lender's address is 99 WOOD AVE. SOUTH, SUITE 301, ISELIN, NJ 08830. Lender is the beneficiary under this Security Instrument. The term "Lender” and "you" 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. MLERS is organized and existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Ilint, M1 48501-2026, tel. (888) 679-MLRS. MERS is appointed as the Nominee for Lender to exercise the rights, duties and HELOC MERS RIDER EX] 191798 Page 1 of 4 100674298586235 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 dirvecting T'rustee 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. TRANSIFFER OF RIGHTS IN THE PROPERTY This Deed of Trust secures to you: (i) the repayment of the Loan, and all renewals. extensions and modifications of the Agreement; (ii) the performance of our covenants and agreements under this Deed of Trust and the Agreement. You, as the beneficiary under this Deed of Trust, designate MERS as your Nominee. Any notice required by Applicable Law or this Deed of Trust to be served on you must be served on MERS as your designated Nominee. We understand and agree that MERS. as your designated Nominee. has the right to exercise any or all interest granted by us to you. including. but not limited to, the right to foreclose and sell the Property: and to take any action you require including. but not limited to. assigning and releasing this Deed of Trust, and substituting a successor trustee. C. NOTICLS The Clause entitled "NOTICI" is amended to read as follows: NOTICE: All notices given by us or you in connection with this Deed of 'I'rust must be in writing. Any notice to us in connection with this Deed of Trust shall be deemed to have been given to us when mailed by first class mail or when actually delivered to our notice address if sent by other means. Notice to any of us shall constitute notice to all of us unless applicable law expressly requires otherwise. The notice address shall be the address(es) of the Property unless we have designated a substitute notice address by notice to you. We shall promptly notify you of our change of address. If you specify a procedure for reporting our change of address, then we shall only report a change of address through that specified procedure. There may be only one designated notice address under this Deed of Trust at any one time. Any notice to you shall be given by delivering it or by mailing it by first class mail to your address stated herein unless you have designated another address by notice to us. We acknowledge that any notice we provide to you must also be provided to MERS as your Nominee until MERS' Nominee interest is terminated. Any notice provided by us in connection with this Deed of Trust will not be deemed to have been given to MERS until actually received by MERS. Any notice in connection with this Deed of Trust shall not be deemed to have been given to you until actually received by you. 1f any notice required by this Deed of Trust is also required under applicable law, the requirements of applicable law will satisfy the corresponding requirement under this Deed of Trust. D. SALE OF AGREEMENT: CHANGE OF LOAN SERVICER: NOTICE OF GRIEVANCE The Agreement or a partial interest in the Agreement (together with this Deed of Trust) can be sold one or more times without prior notice to us. You acknowledge that until you direct MERS to assign MERS's HELOC MERS RIDER EX] 191798 Page 2 of 4 100674298586235 Nominee interest in this Deed of Trust, MERS remains your Nominee, with the authority to exercise your rights. A sale might result in a change in the entity (known as the "Loan Servicer") that collects periodic payments due under the Agreement and this Deed of Trust and performs other mortgage loan servicing obligations under the Agreement, this Deed of Trust. and applicable law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Agreement. If there is a change of the Loan Servicer. we 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. If the Agreement is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Agreement. the mortgage loan servicing obligations to us will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Agreement purchaser unless otherwise provided by the Agreement purchaser. Neither us nor you 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 Deed of Trust or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Deed of T'rust, until we or you have notified the other party (with such notice given in compliance with the requirements of this Deed of Trust) 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 us, and the notice of acceleration given to us. pursuant to the provisions of the Deed of Trust shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this part. E. SUBSTITUTE TRUSTEE SUBSTITUTE TRUSTEE. In accordance with applicable law, Lender or MERS may from time to time appoint a successor trustee to any 'I'rustee appointed hereunder. Without conveyance of the Property, the successor trustee shall succeed to all the title, power and duties conferred upon Trustee herein and by applicable law. HELOC MERS RIDER EX] 191798 Page 3 of 4 100674298586235 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this MERS Rider. I 04/18/2026 — GRANTOR - DONALD SEAMAN — DATE -— 04/18/2026 DORA E VEGA—-SEAMAN — DATE -— INELOC MERS RIDER Ex] 191798 Page 4 of 4