2026-004276 Klamath County, Oregon 05/15/2026 08:36:01 AM Fee: $152.00 Recording Requested By: Rocket Mortgage 8950 Cypress Waters Blvd. Coppell, TX 75019 After Recording Return To: Rocket Mortgage C/O: Mortgage Connect, LP Attn: Loan Mod Processing Team 600 Clubhouse Drive Moon Township, PA 15108 APN/Tax ID: 3909-010DD-06400 Recording Number: 3997226 This document was prepared by Rocket Mortgage, 8950 Cypress Waters Blvd, Coppell, TX __ Space Above This Line For Recording Data. Original Principal Amount: $191,300.00 Loan No.: 3454908627 Unpaid Principal Amount: $158,071.09 VA Case No.: 484860502956 New Principal Amount: $169,560.31 MERS No.: 100039034549086272 Original Security Instrument recorded on Date 09/18/2020 in Book or Liber , at page(s) _ ___and/or as Document/Instrament Number 2020-011854, in the Records of Klamath County, Oregon. LOAN MODIFICATION AGREEMENT This Loan Modification Agreement (“Agreement”) between Keith R, Weaver and Theresa A. Weaver, husband and wife whose address is 4400 SUMMERS LN, KLAMATH FALLS, OR 97603 (“Borrower” or “I”") and ROCKET MORTGAGE, LLC whose address is 8950 Cypress Waters Blvd., Coppell, TX 75019 (“Lender”), and MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) as Designated Nominee for Lender, Beneficiary of the Security Instrument, its Successors and Assigns, whose address is P.O. Box 2026, Flint, M1 48501-2026, is given on 03/30/2026, and amends and supplements (1) the Mortgage, Deed of Trust or Security Deed (the “Security Instrument™), made by Keith R. Weaver and Theresa A. £ more than one Borrower or Morlgagor is executing this document, each is referred to as “Bowower™ or ~1.” For g p) o purposes of this document, words signifying the singular (such as “Borrower™ or “I”) shall include the plural (such as “Borrowers” or“we”) and vice versa where appropriate. PACKAGE_MRC_MOD MM2460CT25.0 Page | of 14 32790312 _1_0010378981 '''' i LOANS, LLC, BENEFICIARY OF THE SECURITY INSTRUMENT, ITS SUCCESSORS AND ASSIGNS for $191,300.00 and interest, dated 06/22/2020 and recorded on Date 09/18/2020 in Book or Liber , at page(s) , and/or as Document/Instrument Number 2020-011854, in the Records of Klamath County, OREGON, and (2) the Note bearing the same date as and secured by the Security Instrument, which was entered into as security for the performance of the Note and encumbers the real and personal property described and defined in the Security Instrument as the “Property,” located at 4400 SUMMERS LN KLAMATH FALLS, OR 97603. See Exhibit A for Legal Description; Mortgage Electronic Registration Systems, Inc. (‘MERS”) is a separate corporation that is acting solely as designated nominee for the beneficiary of the security instrument, its successors and assigns. The MERS address is P.O. Box 2026, Flint, MI 48501-2026. The MERS telephone number is (888) 679-MERS (6377). Important Disclosures: The U.S. Department of Veterans Affairs (“VA”) requires that Lender provide you with information designed to help you understand the modified mortgage terms that are being offered to you. Lender is required to provide you with clear and understandable written information about the terms, costs, and risks of the modified mortgage in a timely manner to enable Borrower to make informed decisions. This information is included below. Pleasc read it carefully. If my representations in Section 1 below continue to be true in all material respects, then this Loan Modification Agreement (“Agreement”) will, as set forth in Section 3 below, amend and supplement (1) the Mortgage, Deed of Trust, or Security Deed (“Security Instrument”) on the Property and (2) the Note secured by the Security Instrument. The Security Instrument and Note together. as they may previously have been amended, are referred to as the “Loan Documents.” Capitalized terms used in this Agreement and not defined here have the meaning given to them in the Loan Documents. 1. My Representations. I certify, represent to Lender, and agree as follows: A. 1 am experiencing a financial hardship that has negatively affected my income and/or my property. As a result, I am currently in default, or will be in default in the very near future, under the Loan Documents. B. 1 currently have sufficient income to support the financial obligations under the Loan Documents and can resume making monthly mortgage payments, as modified by this Agreement. C. Under penally of perjury, any documents or information I may have provided to Lender in connection with qualifying for this particular VA loan modification program (“Program”) and this Agreement are to the best of my knowledge accurate and complete. PACKAGE_MRC_MOD MM2460CT25.0 Page 2 of 14 32790312_1_0010378981 D. Except as approved in writing by the VA or Lender, there has been no change in the ownership of the Property after I signed the Loan Documents. 2. Acknowledgements and Preconditions to Modification. [ understand and acknowledge that: A. Lender has no obligation to make any modification of the Loan Documents if any of the requirements under this Agreement have not been met. B. Prior to the Modification Effective Date (as defined in Section 3), if Lender determines that any of my representations in Section I are no longer true and correct, (1) the Loan Documents will not be modified, (2) this Agreement will not be valid, and (3) Lender will have all of the rights and remedies provided by the Loan Documents. C. The Loan Documents will not be modified unless and until (1) Lender approves this Agreement and (2) the Modification Effective Date (as defined in Section 3 below) has occurred. 3. The Modification. If all of my representations in Section | above continue to be true in all material respects and all preconditions to the modification set forth in Section 2 above have been met, the Loan Documents will automatically become modified on 06/01/2026 (the “Modification Effective Date”) and all unpaid late charges, penalties, and fees that remain unpaid will be waived. If I have failed to make any payments that are a precondition to this modification, this modification will not take effect. A. The new Maturity Date will be: 05/01/2066 B. As of the Modification Effective Date, the new principal balance of my Note will be $169,560.31 (the “New Principal Balance”). In servicing your loan, the Lender may have incurred third-party fees or charges that were not included in the terms of this Agreement. If so, these fees and charges will appear on your monthly statement under “Fees and Charges.” These fees and charges will not accrue interest or late fees. You may pay these fees and charges at any time. If not previously paid, you must pay these fees and charges at the earliest of (1) the date you sell or transfer an intercst in the Property, (2) the date you pay the entire New Principal Balance, or (3) the Maturity Date. C. 1promise to pay the New Principal Balance, plus interest, to the order of Lender. D. Interest at the fixed rate of 6.750% will begin to accrue on the New Principal Balance as of 05/01/2026 and my first new monthly payment on the New Principal Balance will be due on 06/01/2026. My fully amortizing payment schedule for the modified Loan is as follows: PACKAGE_MRC_MOD MM2460CT25.0 Page 3 of 14 32790312_1_0010378981 * The escrow payments may be adjusted periodically in accordance with applicable law. Therefore, my total monthly payment may change accordingly. The total monthly payment amount shown does not include the cost for any optional products that may be on the mortgage loan. The terms in this Section 3.D. supersede any provisions to the contrary in the Loan Documents, including (but not limited to) provisions for an adjustable- or step-interest rate. I will be in default if I do not comply with the terms of the Loan Documents, as modified by this Agreement. The interest rate set forth in Section 3.D. above shall apply even in the event of default and if the Loan Documents permitted a default rate of interest. 4, Additional Agreements. Lender and I agree to the following: A. B. [ accept the risks of entering into this Agreement. These risks include (but are not limited to): (1) My modified loan will have a fixed interest rate that will not change. As a result, if the interest rate in my Loan Documents could go up and down based on changes in an index, my new fixed interest rate might sometimes be higher than I would have had before this modification. I authorize Lender to attach an Exhibit A to this Agreement, which will include a Legal Description, recording information of the original security instrument, and any other relevant information required by a County Clerk’s Office (or other recordation office) to allow for recording if and when Lender seeks recordation. All persons who signed the Loan Documents or their authorized representative(s) have signed this Agreement, unless (1) A borrower or co-borrower is deceased; or (2) Lender has waived this requirement. This Agreement may be executed in separate counterparts, cach of which shall be deemed an original. PACKAGE_MRC_MOD MM2460CT25.0 Page 4 of 14 Years Interest Monthly Estimated Total Payment Number of Rate Principal Monthly Monthly Begins On Monthly and Escrow Payment* Payments Interest Payment Payment Amount* Amount 40 years | 6.750% $1.023.05 $395.67, $1,418.72, 6/01/2026 480 may adjust | may adjust periodically | periodically D. This Agreement supersedes the terms of any modification, forbearance, trial period plan, or loan workout plan that I entered into with Lender before the Modification Effective Date of this Agreement. E. All terms and provisions of the Loan Documents, except as expressly modified by this Agreement, remain in full force and effect and 1 will comply, with all covenants, agreements, and requirements of the Loan Documents, including (but not limited to) my agreement to pay all taxes, insurance premioms, assessments, Escrow Items, impounds, and all other similar obligations, the amounts of which may periodically change in accordance with the terms of my Loan Documents. Except as otherwise specifically provided in, and as expressly modified by, this Agreement, Lender and I will be bound by, and will comply with, all of the terms and conditions of the Loan Documents. F. The Loan Documents are duly valid, binding agreements, enforceable in accordance with their terms and are hereby reaffirmed. G. On and after the Modification Effective Date, Lender will allow the transfer and assumption of the Loan, including this Agreement, only as permitted under VA guidelines. Except as noted herein, this Agreement may not be assigned to, or assumed by, a buyer or transferee of the Property. H. On and after the Modification Effcctive Date, and notwithstanding any other provision of the Loan Documents, if all or any part of the Property or any interest in it is sold or transferred without Lender’s prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by the Security Instrument. However, Lender shall not exercise this option if state or federal law, rules, or regulations prohibit the exercise of such option as of the date of such sale or transfer. If Lender exercises this option, Lender shall give me notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which I must pay all sums secured by the Security Instrument. If I fail to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by the Security Instrument without further notice to, or demand on, me. I. If any pending foreclosure action is dismissed or withdrawn as a result of entering into this Agreement, Borrower will remain liable for and bear his/her/their own fees and costs incurred in connection with such foreclosure proceedings, if permitted by applicable law. J. The mortgage insurance premiums on the loan, if applicable, may increase as a result of the capitalization and the date on which Borrower may request cancellation of mortgage insurance may change as a result of modifying the loan. K. Any Borrower who co-signed the Security Instrument but did not execute the Note (a “Co-signer”) and has not assumed the debt: (a) is co-signing this Agreement only to acknowledge the Agreement; (b) is not personally obligated to pay the sums secured by PACKAGE_MRC_MOD MM2460CT25.0 Page 5 of 14 32790312_1_0010378981 i the Security Instrument; and (c) 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 the Security Instrument without the Co-signer’s consent. On and after the Modification Effective Date, any provision in the Note (or in any addendum or amendment to the Note) that allowed for the assessment of a penalty for full or partial prepayment of the Note, is null and void. If I make a prepayment, there will be no changes in the due dates or the amount of the monthly payments unless Lender agrees in writing to those changes. { . I will cooperate fully with Lender in obtaining any title endorsement(s) or similar title insurance product(s) and/or any subordination agreement(s) that are necessary or required by Lender’s procedures and/or the Program to ensure that the Security Instrument, as modified by this Agreement, is in first lien priority position and is fully enforceable. The terms of this Agreement will not become effective, and this Agreement will be null and void, if Lender does not receive such title endorsement(s), title insurance product(s), and/or subordination agreement(s) on or before the Modification Effective Date. I know that 1 am only entitled to loss mitigation terms that comply with the Program. Therefore, if Lender discovers any error in the terms of this Agreement, 1 authorize the Lender to advise me of the error. If I do not accept the corrected terms, at Lender’s option, this Agreement becomes void and of no legal effect. If T accept the corrected terms, 1 will execute and promptly return to Lender the revised and additional documents that will (1) consummate the intended terms and conditions of this Agreement and/or (2) correct the terms and conditions of this Agreement (a “Corrected Agreement™). If I do not sign and deliver a Corrected Agreement or any additional document required by Lender to comply with the Program, the terms of the original Loan Documents shall continue in full force and effect, such terms will not be modified by this Agreement, and I may not be eligible for the Modification. Lender may collect and record, as applicable, personal information about me, including, but not limited to, my name, address, telephone number, social security number, credit score, income, payment history, government monitoring information, and information about account balances and activity (“Personal Information”). In addition, T consent to the disclosure of my Personal Information and the terms of this Agreement by Lender to (1) any government entity that regulates Lender; (2) any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or services my first lien or subordinate lien (if applicable) mortgage loan(s); (3) companies that perform support services for VA or Lender; and, (4) any HUD-certified housing counseling agency. If any document related to the Loan Documents and/or this Agreement is lost, misplaced, misstated, inaccurately reflects the true and correct terms and conditions of the loan as modified, or is otherwise missing, 1 will comply with Lender’s request to execute, acknowledge, initial, and deliver to Lender any documentation Lender deems PACKAGE_MRC_MOD MM2460CT25.0 32790312_1_0010378981 - necessary (“Replacement Documents™). If the original promissory note is replaced, Lender hereby indemnifies me against any loss associated with a demand on the original note. I will deliver the Replacement Documents within ten days after I receive Lender’s written request for such replacement. If any Borrower under this Agreement is a confirmed successor in interest, you are not liable for the mortgage debt and cannot be required to use your assets to pay the mortgage debt unless you have agreed to assume the mortgage loan obligation under State law. However, the Lender has a security interest in the property and has a right to foreclose on the property, when permitted by law and authorized under the Note and Security Instrument. Borrower further understands and agrees that: (1) Mortgage Electronic Registration Systems, Inc. (“MERS”) is a separate corporation that is acting solely as nominee for Lender and Lender’s successors and assigns. MERS is organized and existing under the laws of Delaware, and has an address of P.O. Box 2026, Flint, MI 48501-2026. The MERS telephone number is (888) 679-MERS (6377). (2) MERS is appointed as the Nominee for Lender to exercise the rights, duties and obligations of Lender as Lender may from time to time direct, including but not limited to appointing a successor trustee, assigning, or releasing, in whole or in part the Security Instrument, foreclosing or directing Trustee to institute foreclosure of the Security Instrument, or taking such other actions as Lender may deem necessary or appropriate under the Security Instrument. The term “MERS” includes any successors 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. (3) “Nominee” means one designated to act for another as its representative for a limited purpose. (4) Lender, as the beneficiary under the 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. Borrower understands and agrees that MERS, as the designated Nominee for Lender, has the right to exercise any or all interests granted by Borrower to Lender, including, but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender including, but not limited to, assigning and releasing the Security Instrument, and substituting a successor trustee. (5) Notices. Borrower acknowledges that any notice Borrower provides to Lender must also be provided to MERS as Nominee for Lender uniil MERS’ Nominec PACKAGE_MRC_MOD MM2460CT25.0 Page 7 of 14 32790312_1_0010378981- interest is terminated. Any notice provided by Borrower in connection with the Security Instrument will not be deemed to have been given to MERS until actually received by MERS. (6) Substitute Trustee. In accordance with applicable law, Lender or MERS may from time to time appoint a successor trustee to any Trustee appointed under the Security Instrument who has ceased to act. Without conveyance of the Property, the successor trustee will succeed to all the title, power and duties conferred upon Trustee in the Security Instrument and by applicable law. Lender acknowledges that until it directs MERS to assign MERS's Nominee interest in the Security Instrument, MERS remains the Nominee for Lender, with the authority to exercise the rights of Lender. By this paragraph, Lender is notifying Borrower that any prior waiver by Lender of Borrower’s obligation to pay to Lender Funds for any or all Escrow Items is hereby revoked, and Borrower has been advised of the amount needed to fully fund any Escrow Ttems. Borrower will pay to Lender on the day payments are due under the Note and Security Instrument as amended by this Agreement, until the loan is paid in full, a sum (the “Funds”) to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over the Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under the Note and Security Instrument; (d) mortgage insurance premiums, if any, or any sums payable to Lender in lieu of the payment of mortgage insurance premiums in accordance with the Note and Security Instrument; and (e) any community association dues, fees, and assessments that Lender requires to be escrowed. These items are called “Escrow Items.” Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower’s obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower’s obligation to pay to Lender Funds for any or all Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower’s obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in the Note and Security Instrument, as the phrase “covenant and agreement” is used in the Note and Security Instrument. If Borrower is obligated to pay Escrow ltems directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow lItem, Lender may exercise its rights under the Note and Security Instrument and this Agreement and pay such amount and Borrower shall then be obligated to repay to Lender any such amount. Lender may revoke the waijver as to any or all Escrow ltems at PACKAGE_MRC_MOD MM2460CT25.0 Page 8 of 14 32790312 1 0010378981 any time by a notice given in accordance with the Note and Security Instrument, and, upon such revocation, Borrower shall pay to Lender all Funds, and in such amounts, that are then required under this paragraph. Lender may, at any time, collect and hold Funds in an amount () sufficient to permit Lender to apply the Funds at the time specified under the Real Estate Settlement Procedures Act (“RESPA™), and (b) not to exceed the maximum amount a lender can require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and reasonable estimates of expenditures of future Escrow ltems or otherwise in accordance with applicable law. The Funds shall be held in an institution whose deposits are insured by a 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 shall apply the Funds to pay the Escrow ltems no later than the time specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Unless an agreement is made in writing or applicable law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Lender and Borrower can agree in writing, however, that interest shall be paid on the Funds unless applicable law prohibits such agreement. Lender shall provide Borrower, without charge, an annual accounting of the Funds as required by RESPA. If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly payments. Upon payment in full of all sums secured by the Note and Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. PACKAGE_MRC_MOD MM2460CT25.0 Page 9 of 14 32790312_1_0010378981 By SIGNING BELOW, Borrower accepts and agrees to the terms contalned in this Security Instrument and in any rider(s) exe Sign here to execute Modification Agreement h R. Weaver (Must be signed exactly as printed) ol 198 /3026 . Signature Date (MM/DD/YYYY) [Space below this line for Acknowledgement] STATEOF __(R¢GoN COUNTY OF _ALAMAT /Y On the Q«? TH day of APR/L in the year Q”% before me, the undersigned, Notary Public, in and for said State, personally appeared by physical presence Keith R. Weaver, personally known to me or proved to me on the basis of satisfactory evidence of identification to be the person(s) whose name(s) is/are subscribed to the within instrument and being informed of the contents of the instrument acknowledged before me that he/she/they voluntarily executed the same as its maker(s) in hig/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument for its stated purpose as his/her/their free act and deed. Personally Known OR Type of Identification Produced O RE GolN ORIvT RS LiC@NS & W ‘ COFFICALSTAMP © L) s ) K N TRuey LYmN SEGURA S COMMISSION.NO. 1055417 MY COMMISS|0N EXPIRES JANUARY 28 2029 g My commission expires: JAaNMuAKY 2 X zQOQ, ? (Notary Public Seal) (Printed Name of notary public) (Please ensure seal does not overlap any language or print) PACKAGE_MRC_MOD MM2460CT25.0 : Page 10 of 14 32790312_1_0010378981 [Trackinald: 94701501054970002556321 [Env: 32790312 1 00103789811077221-00053144-0 MRCMod PRIORITYEX FLAT R IPAG.20391IDOC 23 39/84 |d.64998991 {FEDEX 1} By SIGNING BELOW, Borrower accepts and agrees to the terms contained in this Security Instrument and in any rider(s) executed by Borrower and recorded with it. Sign here {o execute P g m Modification Agreement (Must be signed exactly as printed) 04 198/ 20204 Signature Date (MM/DD/YYYY) [Space below this line for Acknowledgement] STATE OF ORE GaN county of SLANATH On the ? /E day of ,4194(/ L in the yearzo'zé before me, the undersigned, Notary Public, in and for said State, personally appeared by physical presence Theresa A. Weaver, personally known to me or proved to me on the basis of satisfactory evidence of identification to be the person(s) whose name(s) is/are subscribed to the within instrument and being informed of the contents of the instrument acknowledged before me 'that he/s J/they voluntarily executed the same as its maker(s) in his/her/their authorized capacity(ies), and that by | h1s/her/the1r signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument for its stated purpose as his?lgr/their free act and deed. Personally Known OR Type of Identification Produced:d¢gay Sevecs Li s I3 OEFICIAL STAMP TRACY LYNN SEGURA NOTARY PUBLIC - OREGON COMMISSION NO. 1055417 / (Signature of notary public) ;/ Tracs] Ly SEGUR , [Racy L Yy A iy COMMISSION EXPIRES JANUARY 28, 202 {f (Prmted Name of notary public) o eSS e S SEESSSSSSeSSY My commission explres»)f] N U?le ‘/ 28 7 '2@29 (Notary Public Seal) (Please ensure seal does not overlap any language or print) / ! g : PACKAGE_MRC_MOD MM2460CT25.0 | Page 11 of 14 32790312_1_0010378981 - ‘ [Trackinald: 94701501054970002655321 [Env: 32790312 1 00103789811077221-00053144-0 MRCMod PRIORITYEX FLAT R [PAG.20691 IDOC 23 69/84 |d.64998991 {FEDEX 1} DO NOT WRITE BELOW THIS LINE. ok ok 3k ok o ok o s ok ok oke ok s ok ok ok sk e sheshe e sk e st e s s sk sk sk s ofe sfe ke o sfe e she st ofe e ofe sk s sk e sfeoke stk ke ofe ke ok sk sdeoke skeoke ik sfe sl sk sk ke skeskeokk stk ke e ool e sk skeok THIS SECTION IS FOR INTERNAL USE ONLY Rocket Mortgage, LLC By: Dated: 5-14-2026 Name: JULI Title: Authorized Signatory [Space below this line for Acknowledgement] STATE OF PENNSYLVANIA COUNTY OF ALLEGHENY Onthe 14 dayof MAY in the year 2026 before the undersigned Notary Public, personally appeared by physical presence _ JULIAN NATHANIEL LAMB , Authorized Signatory of Rocket Mortgage, LLC, personally known to me or proved to me on the basis of satisfactory evidence of identification to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they voluntarily executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument for its stated purpose. Personally Known X OR Type of Identification Produced: ry Signature RHONDA MAE SHAFFER Notary Public Printed Name (exactly as printed on seal) 12-23-2029 Notary Public Commission Expiration Date Commonweaith of Pennsylvania - Notary Seal Rhonda Mae Shatier, Notary Public Allegheny County My Commission Expires December 23, 2029 " Commission Number 1411555 DO NOT WRITE BELOW THIS LINE. sk sk ok s she s ofe ofe st s e ohe sk sfe sk sie sfe sfe st sl she sde st e she she s sk sfe she s sfe s sfe sfe sfe i sfe sfe sfesfe she s sfesfe sfe sfe s sfe she s st s ok s s sk skl s sk ok s ofe sk she sk sk sk ok sk sk kR sk ek THIS SECTION IS FOR INTERNAL USE ONLY Mortgage Electronic Registration Systems, Inc., By: Date: 5-14-2026 Name: JULIAN NATHANIEL LAMB , Assistant Vice President [Space below this line for Acknowledgement] STATE OF PENNSYLVANIA COUNTY OF _ALLEGHENY On the 14 day of MAY in the year _ 2026 before the undersigned Notary Public, personally appeared by physical presence JULIAN NATHANIEL LAMB , Assistant Vice President of Mortgage Electronic Registration Systems, Inc., as nominee for Lender, its successors and assigns, personally known to me or proved to me on the basis of satisfactory evidence of identification to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they voluntarily executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument, the person or entity upon behalf of which the person or entity acted, executed the instrument for its stated purpose. Personally Known X OR Type of Identification Produced: ry Signature RHONDA MAE SHAFFER Notary Public Printed Name (exactly as printed on seal) Notary Public Commission Expiration Date 12-23-2029 Commonwealth of Pennsylvania - Notary Seal Rhonda Mae Shaffer, Notary Public Allegheny County My Commission Expires December 23, 2029 Commission Number 1411555 EXHIBIT A Land Situated in the City of Klamath Falls in the County of Klamath in the State of Oregon A Parcel of Land Situate in the Se1/4 Sel/4 of Section 10, Township 39 South, Range 9 East of The Willamette Meridian, Klamath County, Oregon, More Particularly Described as Follows: Beginning at a Point on the West Line of Summers Lane Which is North 0 Degrees 21 West a Distance of 387.5 Feet and South 89 Degrees 52' West a Distance 30.0 Feet From the Iron Pin Which Marks the Southeast Corner of Section 10, Township 39 South, Range 9 East of the Willamette Meridian, Klamath County, Oregon; Thence South 89 Degrees 52' West a Distance of 169.6 Feet to an Tron Pin Which is the Southeast Comer of Lot 1 Debirk Homes; Thence North 0 Degrees 21' West a Distance of 85.6 Feet to the South Line of Barry Avenue; Thence North 89 Degrees 52' East a Distance of 169.6 Feet to the West Line of Summers Lane: Thence South 0 Degrees 21' East a Distance of 85.6 Feet to the Point of Beginning. PACKAGE_MRC_MOD MM2460CT25.0 Page 14 of 14 ~32790312_1_0010378981