2026-002154

Klamath County, Oregon
03/11/2026 09:04:03 AM

Fee: $107.00
When recorded, return 16!
Rogue Credit Union
1370 Center Drive
Medford, OR 87501
LOAN &: 6005796751
LINE OF CREDIT
TRUST DEED
(Securing Future Advances)
THIS DEED OF TRUST is made an March 6, 20286. The grantor is EILEEN SCOTT HARRIS, TRUSTEE

QF THE HARRIS FAMILY LIVING TRUST.

The trustee is First American Data Tree.
("Trustee™). The beneficiary is Rogue Credit Union, a State Chartered Credit Linion,

whose address is 1370 Center Dirive
Medford, OR 87501

Ir this Deed of Trust, the terms “you,” “your” and “yours” relfer to the grantern(s), The terms "we” “us” and “cur” rafer to
the beneficiary,

Pursuant to a Home Equity Line of Credit Agreement dated the same date as this Deed of Trust ("Agreement”), you
may incur maximum unpaid loan indebledness (exclusive of interest thersan) in amounts fluctuating from time 10 time
up to the maximurn principal sum outsianding at any time of ONE HUNDRED TEN THOUSAND AND NO/MOD* ** ==+
EERES R AR TE b R AR R RS b e A AL EEE e kAR R TS N AR KR AR R KD .*"*****’DO[FQFS{U.S. 5110!00000 }

The Agreement provides far a final scheduled instaliment due and payabte not later than Mareh 15, 2091,

You agree that this Oeed of Trust shall continue to secure all sums now or hereafter advanced under the terms of
the Agreement including, without limitation, such sums that are advanced by us whether or not at the time 1he sums are
advanced there is any principal sum outstanding under the Agreement. The parties hereto intend that this Deed of Trust
ghall secure unpaid balances, and all other amounts due to Us hereunder and undsr the Agreement.

This Deed of Trust secures 1o us: (a) the repayment of the debt avidenced by the Agreement, with interest, and all
refinancings, renewals, extensicns and modifications of 1he Agreement; (&) the payment of all alher sums, with interest,
advanced under this Deed of Trust to protect the security of this Deed of Trust; and (e} the performance of yaur covenants and
agreements under this Deed of Trust and the Agreement. For this purpose and in consideration of the debt, you irrevocably

G/
OR - TRUST DEED = Single Famiy — HELOQC « 4849-8703. 51900 Initials: _-’):'»g;,_.;_
CE Maorlgags Techrology, Inc. Page 1 of 5 ORLHLCDE £519
GHLE180E (CLES)
DIL52026 15 56 AM PST

LOAN #: 6005786751

grant and convey to the Trustee and Trustee’s successors and assigns, in trust. with power of sale, the following described

property located in the County of Klamath
IType of Secoxding Jurisdictinn]

LOT 74, 4TH ADDITION TO HARBOR [SLES - TRACT 1374, ACCORDING TO THE OFFICIAL FLAT THEREQOF ON

FILE IN THE OFFIGE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. SITUATED IN THE COUNTY

OF KLAMATH, STATE OF OREGON. PPN: 888091,
APN #: 885091

INgme ol Pecoding Junsdictioni

which praperty is mare cormmonly known as 2912 Anchor Way, Klamath Falls, OR 97601-1353 ("Property
Address"}.

TOGETHER WITH all the improvernents now or hereatter erected on the property, and ail easements, rights. appur-
tenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be coverad by
this Deed of Trust. All of the foregoing is referred to in this Deed of Trust as the "Property.

YOU COVENANT that you are lawfully seised of the es1ate herely conveyed and have the right to grant and corvey
the Property and that the Property is unencurnbered, except for encumbrances of recoed. You warrart and will defend
generally the title to the Property against all claims and demands. subject 10 any encumbrances of record.

YOU AND WE covenant and agree as follows:

1. Payrant of Principal, Interest and Other Charges. You shall pay when due the principal and interest awing
under the Agreement and aft other charges dize hereunder and due under the Agreement, ingluding any amounts you
are required to pay into an escrow of impound account with us pursuant to Seclion 3.

2, Application of Payments. Unless applicable law provides atherwize, all payments received by us under the
Agrecrmen] and Section 1 shall be applied by us as provided in the Agreement.

3. Prior Deed of Trusts; Charges; Liens. You have disciosed 1o us and obtained our agproval of any mortgage,
deed of rust or other securily agreement with a tien which has priority over ihis Deed of Trust. You shall perform all of
your abligations under any marlgage, deed of trust ar gther security instruments with a lien which has priarily over this
Deed of Trust. including your covenants to make payments when due. You shall pay all laxes, assessments, charges,
fines and impositions attributable to the Property which may attain priority over this Deed of Trust or any advance under
this Deed of Trust, and leasehold payments or ground ramts, it any. Upon our request, you shall pramptly furnish to us all
notices of amounts 1o be paid under this paragraph and receipts evidenging any such payments you make direcily. You
shall promptly discharge any lien {other tham a lien disciosed to us in your application or in any title report we obtained)
which hag priarity over this Deed of Trust or anty advance under this Deed of Trust.

Subject 1o applicable law. we may, upon notice cither before or after the execution of this Deed of Trust, réquire you
to pay amounts info an escrow or impound account with ug, on the day monthly payments are due under the Agreement,
up 1o the maximum amount permitted by law for the payment of all {a) taxes. assessments lincluding condominium
and planned unil devefopment assessments, if any) and other items which may attain griority over this Deed of Trust;
(b} pramiums tor hazard :nsurance and any mortgage insurance required by us under this Deed of Trust: and {c) leasehald
payments or ground rents on the Properly, if any.

4. Hazard Insurance. You shall keep the Property insurad against loss by fire, hazards included within the term
"extended coverage” and any ather hazards. including floods or flnading, for which we fequire insurance. This insurance
shall be maintained in the amounts and far the periods that wa reguire. You may choose any insurer reascnably accepts
atle to us. fnsurance polficies and rengwals shall be acceptable 1o us and shall includle a standard martgagee clause. If
we reguire, you shall promptly give us all receipts of paid premiums and renewal notices. f you fail to maintain coverage
as required in this section. you authorize us to alstain such coverage as we in our sole discretion determine apprapriate
to pretect our interest in the Praperty in accordance with the provisians in Section 6. You understand and agree that any
coverage we purchase may cover only our interest in the Property and may not cover your interest in the Property or any
personal property therein, You alse understand and agres that the premium for any such insurance may be highet than
the premium you would pay for such insurance. You ghall gromptly natify the insurer and us of any loss. We ray make
proof of loss if you do net prompily do so.

We may alsa, at our aption and on yaur behalf, adjust and compramise any claims under the inzurance, give releases
or acquitances 1o the insurance company in connaction with the sellement of any claim and callect and receive insur-
ance proceeds. You appoint us as your anarmey-in-fact to do all of the loregoeing, which appointment you Linderstarnd and
agree is irrevocable, caupled with an interost with full power of substittion and shall fot be affected by your subsequent
thsability or incompetence.

Insurance proceeds snall be applied to restore or repair the Property damaged, if restoration or repair is econamically
feasibie and cur security would nat be lessencd. Otherwise, insurance praceeds shall be applied to sums secured by
this Deed of Trust. whether or not then dus, with any excess paid 16 you. It you abandan the Praperty, or do not answer
within 30 days after we give notice 1o you that the insurer has oifered to seftie a claim, Hien we may callect and use the
proceeds to repair or restore the Property or to pay sums secured by this Deed of Trust, whether ar not then due. Any
application of proceeds o principal shall not ronuire us W extend of postpone the due date of monthly payments or
change the amount of monthiy payments. if we acquire the Property at a forced sale following vaur defaull, your right to

Aoy
OR - TRUST DEED - Sirgle Family « HELQG - 4B43-3703 34507 Initialg: Ll
ICE Martgane Tecknology Irc Page 2 of § QRUHLCDE 0818

OHLC18DE (OLS)
$30BDI026 G856 Ak BST

LOAN #: 6005796751

any insurance procaeds resulling from damage o the Property prior ta the acquisition shall pass to 1g 10 the extent of
the sums secured by this Deed of Trust immediately prior 16 the acguisition.

You shall nat parmit any condition ta exisl an the Property which would, in any way, invalidate the insurance coverage
on the Properly.

5. Preservation, Maintenance and Protection of the Property; Loan Applicatian; Leaseholds. You shall not
destray, damage or substantially change the Property, allow the Property to deteriorate, or commit waste. You shall be
in default it any forfeiture aclion or proceeding, whether civil or criminal. is Begun that in our gaod faith judgmont could
result in forteiture of the Property or otherwise materially irmpair the lien created by this Deed of Trust or our security
interest, You may cure such a defaui?, as provided in Section 17 by causing the action or proceeding o be dismissed
with a ruling that, in our good faith determination. precludes forfeiture of your interest in lhe Properly or ather material
impairment of the lien created by this Deed of Trust or our security interest. You shall also be in default i you, during the
toan application process, gave materially false or inaccurate information or statements to us (or falled to provide us with
any material informalion) in connection with the loan evidenced by the Agreement, including. but not limited to, repre-
sentations concerning your nccupancy of the Property as a principal residence. If this Deed of Trust is on a leasehald,
you shall comply with the lease. You shall nat surrender the leasehold estate and interests herein conveyad or terminale
or cancel the ground lease. You shall not, without eur express written consent, alter or amend the ground lease. If you
acquire fee tille to the Property, the leasehoid and fee title shall not mesge unless we agree to the merger in writing.

6. Pratection of Qur Rights in the Property; Mortgage Insurance., (f youl fail o perform ihe covenants and agree-
ments contained in this Deed ol Trust, of there is a legal proceeding that may significantly affect our rights in the Property
{such as a proceeding in bankruptcy. probate, for condemnation or forfeiture or to enforce laws ar regulations). then we
may do, and pay for, arything necessary 1o protect the Praperty's value and our rights in the Property. Our actions may
include payng any sums secured by a lien which has priority over this Deed of Trust or aver any advance under 1he
Agreement or this Deed of Triesh, appearing in courl, paying reasanable anarney's fees, paying any sums which you are
required 10 pay under this Deed of Trust and entering on the Property to make repairs. 'We do not have to take any action
we are permitted to take under this Section; and amounts we pay under this Section shall become additional debts you
owe us and shall be secured by this Deed of Trust. These amounis shall bear interest from the disbursement date at the
rate eslablished undes the Agreement and shall be payatle, with interest. upon our request. If we required marlgage
ingurance as a condition of making the loan secured by this Deed of Trust, you shali pay the premiums for such insurance
until such time as the requirement for the insurance terminates.

7. Inspection. We may enter and inspect the Praperty al any reasonabie time and upon reasonable notice.

8. Condemnation. The proceeds of any award for damages. direet ar consequential, i connaction with any con-
demnation or ciher taking of any part of the Properiy. or for conveyance in lisu of condemnation, are hereby assigned
and shall be paid ta us. If the Property is abandgoned. or if, after natice by us to you that the condemnor offers to make
an award or selile a claim for darnagas, you fail to respond to us within 3¢ days after the date the notice is given, we are
authorized fo collect and apply the proceeds, at our oplion, esther 1o restaration or repair of the Property or 1o the sums
secured by this Deed of Trust, whether or not then due. Unless we and you otherwise agree in writing, any application of
praceeds to principal shall not extend ar postpane the due date of the menthiy payments payable under the Agreement
and Section 1 or change the amaunt of such payments.

9. No Releage Upon Extensian or Modification. Our granting of any extension of time for payment ar our agree-
ment to madify ihe terms of repayment of the obligations under the Agreement or the requirements in this Deed of Trust
shall not operate 10 release you from yaur obligalions or liability under the Agreement ar dhis Deed of Trust.

10. Successors and Assigns Bound; Joint and Several Liability; Co-signers. The covenants and agreements
of this Deed of Trust shall bind and benefit your successors and permitted asaigns. Your covenants and agresrments shall
be joint 2nd several. Anyone who co-signs this Deed of Trust but does not execute the Agreement: {a} is co-signing this
Deed of Trust only to mortgage, grant and convey such person's interest in the Property: {b} is not personally abligated
ta pay the Agreement, but is obligated 1o pay all asher sums secured by this Deed of Trust; and {c) agrees thal we and
anyone else who signs this Deed of Trust may agree 1o extend, modify. forbear or make any accommodations regarding
the terms of this Deed of Trust or the Agreement without such person’s cansent.

1. Loan Charges. If the Ioan secured by this Deed of Trust is subject 1o a law which sets maximum lcan charges
and thal law is finally interpreted so that the interest ar ottier loan charges callseted or to be collected in connectian
with the loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amaunt necessary to
feduce the charge to the permified limit: and {b) any sums already collected from you which exceed permitted limits will
!:)e refunded 10 you. We may choose to make this refund by reducing the principal owed under the Agreement or by mak-
ing & dirgc! payment to you. If a refund reduces principal, the reduction will be treated as a partial prepayment without
any prepayment charge under the Agreement.

12. Notices. Unlgss otherwige required by law, any natice to you provided for in this Deed of Trust shall be delivered
:}Dr lr;;ag?dllhg ?rjstlplassdn?ail to.rhe Property Address or any other address you designate by notice 10 us, and any notice

all be delivered or m: i i :

olice 1 you alled by first class mail 1o aur address stated above or any other address we dosignate by

_13. Governing Law; Severability. The extension of crodit secured by this Deed of Trust is governed by federaf law,
which for the;purposes of 12 USC § 85 incorporates Detaware law. However, the interpretation and enforcament of this
Deed of Trust shall be governed by the law of the jurisdiction in which the Property is losaled, except as preempted by
federal Iav»:r. In the event that any provision or clause of this Deed of Trust or the Agreament conflicts with applicable faw
SLrCh.C(?rI!hC’I shail not affect other pravisians of this Deed af Trust or the Agreoment which can he qiveh effect without thé
carflicting provision. To this end the provisions of this Deed of Trust and the Agreement are declared to be severable.

. 14. Transfer of the Property. if all or any part of the Property or any interest in it is sold or transfetred without our
prior ‘-'-'H?er‘pconsent. we may. al gur oplian, require immediate payment in full of all sums secured by this Deed af Trust
?r?vsvtever, this gption shall not be exercised by s if exercise is prahibiled by tederal law as of the date of this Deed of

_15. Sale ot Agreement; Change of Loan Servicer. The Agresment or a partial interest in the Agreement (logether
with this Deed of Trust) may be sold ane or more times without priar notice to you. A sale may resul in a c.hangé in the
entity (known as the "Loan Servicer") that collects monthly payments due under the Agreement and this Deed of Trust
There also may pe ane ar more changes of the Loan Servicer untelated to the sale of the Agreemenrt. If thereis a changc-
ot the Loan Servicer, you will be given written notice of the change as requirgd by appjicablé law. The notice will siate the
name and address of tha new Loan Servicer and the address to which payments should be made. The notice will aiso
comain any information required by applicable law, '

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QR ~ TAUST DEED - Singic Family - HELOC — 4849 -8703-314062 Invitials: 'ff}-fj‘ ~
ICE Mertgags Technolagy Inc. Page 3 of 5 OMCDE 4519

GHLE90E (CLS)
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LOAN #: 8005786751

16. Hazardous Substances. You shall not cause or permit the presence. use, disposal. slorage, or release of any
Hazardous Substances on or in the Property. You shall not do, ner allow anyone else to do, anything aftecting tne Prop-
erly that is in violation of any Envirenmental Law. The preceding iwo sentences shall not apply to the presence, use, of
storage on the Property of Hazardous Substances in quantities that are generally recognized lo be appropr'aat;j:; to nc;rrpal
residertial uses and to maintenance of the Praperty You shall promplly give us written notice of any investigation, claim.
demand, lawsuit or other action by any governmental or regulalory agency of private party invelving the Prqperly and
any Hazardous Substance or Environmental Law of which you have actual knowledge. I you learn of &g m;?iised_hy any
government or regulatory authority. that any removal or other remediation of any Hazardous Substance affecting the
Property is necessary, you shall promptly fake all necessary remedial actions in accordance with Environmental Law. As
wsed in this Deed of Trust, “Hazardous Substances” are those substances defined as toxic or hazardous substances by
Environmental Law and the following substances: gasoline, kerosene, other flammable or laxic petroleum products, foxic
pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde. and radivactive materials.
As usad in ihis Deed of Trust, "Ervironmental Law” moans federal laws and laws of the jurisdiction where the Property
is located that relale to health, safety or erwvironmental protection.

17, Acceleration; Remedies. You will be in default if (1) any payment required by the Agreement or this Deed of
Trust is not made when it is due; (2) we discover that you have committed fraud or made a material misrepresenta-
tion in connection with the Agreement: or (3) your action, or your fallure to act, adversely affects our security for
the Agreement or any right we have in the Property. If @ defaull occurs, we will give you notice specifying: (a) the
default; (b) the action required to cure the defallt; {c) a date, not less than 30 days from the date the notice Is given
to you, by which the default must be cured; and (d) that failure to cure the default on or before the date specified
in the notice may result in acceleration of the sums secured by this Deed of Trust and sale of the Property. The
notice shall further inform you of the right o reinstate after acceleration and the right 1o bring a court action 10
assert the nonexistence of a default or any other defense you may have to acceleration and sale. If the defauit is not
cured on or befare the date specified In the notice, we, al our option, may reguire immediate payment in full of all
surns secured by this Deed of Trust without further demand and may invoke the power of sale and other remedies
permitted by applicable law. We ghall he entitied to collect ail expenses incurred in pursuing remediss provided in
this Section 17, including, but not limited to, reasonable attorneys' fees ag permitted by applicable law.

If we invoke the power of saie, we shall execute or cause Trustee {o execuie a written notice of the occurrence
of an event of default and of our election 10 cause the Property to be sold. Trustee shall cause this notice to be
recorded in each county in which any part of the Properly is located. We or the Trustee shall mail copies of the
nofice as prescribed by applicable law to you and 1o the other persans prescribed by applicable law. Trustee shall
give public notice of sale to the persons and in the manner prescribed by applicable law. Atter the time required
by applicable kaw, Trustee, without demand on you, shall sell the Property at public auction to the highest bidder
at the time and place and under the terms designated in the notice of sale in one or more parcels and in any order
Trustee determines. Trustee may postpone sale of all or any parcel of the Property by public announcement at the
time and place of any previously scheduled sale. We or our designee may purchase the Property at any sale.

Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any covenant or warranty,
expressed or implled. The recitals in the Trustee's deed shali he conclusive evidence of the truth of the statements
made therein, unless otherwise provided by applicable law. Trustee shall apply the proceeds of the sale in the
following order: {a) to all expenses of the sale, including, but not limited to, reasonable Trustee's and attorneys’
fees, as sot forth above; (b) t0 all sums secured by this Deed of Trust; and (c) any excess to the person or persons
legaily entitled to it

18. Reconveyance, Upon your request thal we terminate the Agreement secured by this Deed of Trust and payment
of all sums secured by this Deed of Trust, we shali request Trustes to reconvey the Property and shall surrender this Deed
af Trust and all notes or agreements evidencing debt secured by this Deed of Trust to Trustee. Trustee shalt recorvey the
Property without warranty and without charge to the person or persons legally entitled 1o it. Such persan ar persons shall
pay any recordation costs,

18, Su bstitute Trustee. Wo may. at our option, from time to time appoint a successor trustee to any Trustes appointed
hereunders, Without convevance of the Property. the successor trustee shall succeed 10 all the title, powers and duties
conferred upon the Trustee herein and by applicable law. This procedure for substitution of tfrustee shall govern to the
exclusion of gl pther provisions for substitution. )

’ 20. Attorney's Fees, As used in this Deed of Trust and in the Mote, "afternoys' fees” shall include any attorneys’ fees
awarded by an appellate caurt, ’

21, Di‘scoplinu ance of Enforcement. Notwithstanding our acceleration of the sums secured by this Dreed of Trust
under e provigions of Section 17 we rnay, in our sole discretion and upen such conditions as we in our sole discretion
determing, discontinue any procecdings begun 1o enforce the terms of this Deed of Trust,

Agrezezr;nevfw?ls\:a%r?gg ';:':;\;Er By ug at any time of any term, provision or covenant contained in this Deed of Trust or in the
¢ hereby shall be deemed o be or canstrued as a waiver of any other term, provigion or covenant or
of the same term, provision or covenant at any other time.
o th?f?fog:?r:g?g?r: C;?;;%ii.l?‘?a?'grrxee’io pay :casonat?l{e chargcsras allowed by law in c_unnectior? wilh the servicing
ncthn:; g coniamned r?t hiSwSECti ; i [S , ;Iq 18’,“1;% costs of o?tammg tax searchas and subordinations, pmwdeq, hqx«rever~ that
périorfn any such aci RN sl od o create and shall not be construed to create any duty or obligation by us to
Cute or consent to any such transaction or matier, except a release of the Deed of Trust
upan full repayment of all sums secured thereby.
loanz:g.ir\g’:’::lr::lgéuniz?yrg: provide us with evidence of the insurance coverage as required by our eontract or
not, also protect, your in“{ezast Ifls;elr;s:;rz;nc»e; ta)l your sxpense lo protect our interest, This Insurance may, but need
yt:'u..aI make or any claim made éga]nst%oau?;iu ::;?«T:;f sg:lzgeff?;:iggggrggi‘;?:2:::23?:;22:!::; f::tagfjcrizm
ebtained property coverage elsewhere. 7
o y:zll:: s;?] 1rfasc¥:00nsllble fgr lthe cost of any insurance purchased by us.The cost of this insur@nce may be added
underlying contfagt ga[n alance. If the cost ’:s added m your comrac_t or Ia’an balance, the interest rate on the
! 't or [oan will apply to this added amount, The effective date of coverage may be the date your
prior coverage |apsed or the date you falled to provide proof of caverage.
The coverage we purchase may be considerably more expensive than insurance you can abtain on your own

and may not satisfy any need for property damage coverage or any mandatory liability insuran i
imposed by applicable law. 9 Y Y 1y Insurance requirements

r

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OR - TRUST DEED - Sing's Family -~ HELOG — AR44-8703-3950v2 initiaks; 'E;“-‘! s
ICE Mongage Technology. irc Page d of 5 " ORUHLCDE 018

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LOAN #: 8005798751
25. Protective Advances. This Deed of Trust secures any advances we, at our discretian, may make under Section 8

of this Deed of Trust to protect our interest in the Froperty and rights under this Deed of Trust.
26. Riders 1o this Deed of Trust. If cne or more riders are executed by you and recorded together with this Deed of
Trust, the covenanis and agreements of cach such rider shall be incorporated into and shall amend and supplement the
covenants and agreements of this Deed of Trust ag it the rider(s] were a part of this Deed of Trust. {Check apolicable box{es))

_l Condominium Rider 14 Family Rider " Planned Unit Development Rider
i Other{s) {specify)

BY SIGNING BELOW, You accept and agree to 1he terms and covenants contained in this Deed of Trust and in any
rider{s} execusted by you and recorded with it.

2 (Seal)
- el
EILEEN SCOTT HARRIS, AS TRUSTEE OF THE HARRIS FAMILY LIVING TRUST  DATE
UNDER TRUST INSTRUMENT DATED 02/17/2016, FOR THE BENEFIT OF EILEEN
ggo;gowgnms.musms OF THE HARRIS FAMILY LIVING TRUST DATED

117120t

State of Oregon
County of KLAMATH

This record was acknowledged before me on Mg ey S0y o a) L {date) by EILEEN SCOTT
HARRIS, AS TRUSTEE OF THE HARRIS FAMILY LIVING TRUST DATED 02/17/2016, FOR THE BENEFIT OF
EILEEN SCOTT HARRIS, TRUSTEE OF THE HARRIS FAMILY LIVING TRUST DATED 02M7/2016.

SERCIAL STaNR b :‘_‘%
SHE A ANN BERGLOFE S A ,
NOTERF PUBLIC - OREGON T
SRS KD, 1044547 Notary PU?JMV:.’ -
MY CONMISTN TERRES SECIMBER O3 2079 State of _ IV E QYT

Lender: Rogue Credit Union
NMLS iD: 776623

Loan Originator: Rudy Rojas
NMLS ID; 2435571

E?—-TRUST DEED - Single Famity — HELDC « 4840-07045 5190 Initials:

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