2026-003873

Klamath County, Oregon
05/04/2026 08:33:02 AM
Fee: $117.00

When recorded, return to:
Rogue Credit Union

1370 Center Drive
Medford, OR 97501

LOAN #: 6006007991

DEED GF TRUST

THIS DEED OF TRUST is made this 29th day of Aprll, 2026 among the Grantor,
DEBRA SUE HAGEN, AS TRUSTEE OF THE HAGEN JOINT REVOCABLE LIVING TRUST UNDER AGREEMENT
DATED DECEMBER 7, 2016

{herein "Borrower™),
First American Data Tree

) (herein “Trustes"), and the Beneficiary,
Rogue Credit Union, a State Chartered Credlt Union,

organized and
existing under the laws of Qregon, whose address is
1370 Center Drive, Medford, OR 37501

¢herein “Lender”).

BORROWER, in consideration of the indebtedness herein recited and the frust herein created, irrevocably grants
and conveys to Trustee, in trust, with power of sale, the following described property Iocated in the
County {Type of Recording Jurisdiction] of  Klamath
[Mame of Recording Jurisdiction]:
LOT 2, TRACT 1457 - DOVE HOLLOW ESTATES, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN
THE OFFICE OF THE COUNTY CLERK, KLAMATH COUNTY, OREGON. SITUATED INTHE COUNTY OF
KLAMATH, STATE OF OREGON. PPN: R294097.
APN #: R834097

OREGON - SECOMD MORTCAGE - 1/80 - Fannie Mae/Freddie Mac Form 3838
Modified by ICE Mongage Technalogy, Inc. All rights reserved. Initials:
{CE Mortgage Technology, Inc. Page 1 of b o

ORSECDED (CLS)
0472712026 0412 PM PST

LOAN #: 6006007991
which has the acdress of 965 CARLSON DR, KLAMATH FALLS
[Street] [City}
Oregon  97603-4128 (herein *Property Address™);
[21P Cade}

TOGETHER with all the improvemenis now or hereafter erected on the property, and all easements, rights,
appurtenances and renis (subject however to ths rights and authorities given herein to Lender o collect and apply such
rents), all of which shall be deemed to be and remsin a part of the property covered by this Deed of Trust. and all of the
foregoing, together with said property (or the leasehold estate if this Deed of Trust is on a leasehold) are hereinafter
referred to as the “Properdy”;

TO SECURE to Lender the repayment of the indebiedness evidenced by Borrower’s note dated

Aprll 29, 2026 and extensions and renewals thereof (herein "Note"), in the principal sum of
U.S. $90,000.00, with interest thereon, providing far monthly installments of principal and interest, with the
balance of the indebtedness, if not sooner paid, due and payable on  May 15, 2041, the payment

of all olher sums, with interest thereon, advanced in acsordance herewith to protect the security of this Deed of Trust:
and the performance of the covenants and agreements of Borrower herein contained.

Borrower covenants that Rorrower is lawfully seised of the estate hereby eonveyed and has the right 1o grant and
convey the Property, and that the Property is urencumbered, except for encumbrances of record. Bonower covenants
that Borrower warrants and will defend gerevally the title to the Property against all clsims and demands, subject to
encumbrances of record.

UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows:

1. Payment of Principal and interest. Borrower shall promptly pay when due the principal an¢ interest
indebiedness evidenced by the Note and late charges as providged in the Note.

2. Funds for Taxes and Insurance. Subject to applicable law or a written waiver by Lender, Borrower shall
pay to Lender on the day monthly payments of principal and interast are payatle under the Note, unt] the Note is
paid in full. a sum (herein ‘Funds”) equal to one-twelfth of the yearly taxes and assessments (including condominium
and planned unit development assessments, if any) which may attain priority cver this Deed of Trust, and ground rents
on the Property, if any, plus one-twelth of yeardy premium installiments for hazard insurance, plus one-twelfth of yearly
premium installments far mortgage insurance, if any, all as reasonably estimated initiatly and from time fo time by Lender
on the basis of assessments and bills and reasonable estimates thereof. Borrower shall not be obligated to make such
payments of Funds to Lender to the extent that Borrower makes such payments to the holder of a prior morigage or
dead of trust if such holder is an institutional lerder.

If Borrower pays Funds io Lender, the Funds shall be held in an institution the deposits or accounts of which are
insured or guaranteed by a federal or state agency (including Lender if Lender is such an institution). Lender shall apply
the Funds to pay said taxes, assessments, insurance premiums and ground rents. Lender may nof charge for so holding
and applying the Funds, analyzing said account or verifying and compiling said assessments and bills, uniess Lender
pays Borrower interest on the Funds and applicable law permits Lender to make such a charge. Borrower ard Lender
may agree in writing at the time of execution of this Deed of Trust that interest on the Funds shall be paid fo Borrower,
and unless such agreement is made or appiicable law requires such interest to be paid, Lender shall not be reguired
o pay Borrower any interest or earnings on the Funds. Lender shall give to Borrower, without charge, an annual
accounting of the Funds showing crediis and debits o the Funds and the purpose for which each debit to the Funds
was made. The Funds are pledged as additional security for the sums secured by this Deed of Trust.

If the amount of the Funds held by Lander, together with the future monthly installments of Funds payabie prior to
the due dates of taxes, assessments, insurance premiums and ground rents, shall exceed the amount required o pay
said taxes, assessments, insurance premums and ground rents as they fall due, such excess shall be, at Borower's
option, either promptly repaid to Borrowar or credited to Boower on monthly instaliments of Funds. if the amount of
the Funds beld by Lender shall not ba sufficient to pay taxes, assessments, nsurance premivms anc ground rents as
they fall due, Borrower shall pay to Lender any amount necessary to make up-the deficiency in one or more payments
as Lender may require,

Upen payment in full of all sums secured by this Deed of Trust, Lender shall promptly re‘und to Borrower any Funds
held by Lender. §f under paragraph 17 hereot the Property is sold or the Praperty is otherwise acquired by Lender, Lender
shall apply, no later than immediately prior to the sale of the Propery or its acguisition by Lender, any Funds held by
Lender at the time of application as a credit against {he sums secured by this Deed of Trust,

3. Application of Payments. Unless applicable law provides otherwise, ali payments received by Lender under
the Note and paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lander by
Borrower under paragraph 2 hereof, then tc interest payable on the Note, and then to the principal of the Note.

4. Prior Mortgages and Deeds of Trust; Charges; Liens. Borrower shall perform all of Borrower's obligations
under any morigage, deed of trust cr other security agreement with a lien which has priority over this Deed of Trust,
including Borrower's covenants to make payments when due. Borrower shall pay or cause to be paid all taxes,
assessmenis and cther charges, fines and impositions attributable to the Property which may attain a pricrity over this
Deed of Trust, and leasehold payments or groung rents, if any.

5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property
insured against loss by fire, hazards included within the term "extended coverage.” and such other hazards as Lender
may require and in such amounts and for such pericds as Lender may require.

The insurance carrier providing the insurance shail be chosen by Borrower subject to approval by Lender; provided,
that such approval shall not be unreasonably withheid All insurance policies and renewals thereof shall be in & form
acceptable to Lender and shall include a standard mortgage clause in favor of and in a form acceptable to Lender. L ender
shall have the right to hold the policies and renewals thereof, subject to the terms of any mortgage, deed of trust or other
security agreement with a lien which has priority aver this Deed of Trust.

In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof
af loss if not made promptly by Borrower.

If the Proparty is abandoned by Borrower, or i Borrower fails 1o respond to Lender within 30 days from the date
notice is mailed by Lender to Borrower that the insurance carrier offers to settle a claim for insuranes bansfite, Landaris
autnorized to collect and appiy the insurance proceeds at Lender's option either to restoration or repair of the Property
or ta the sums secured by this Deed of Trust.

OREGON - SECOND MORTGAGE - 1/80 - Fannie Mae/fFreddie Mac Form 3838
Mocified by ICE Mortgage Technology, Inc. Al rights reserved. Initial
ICE Mortgage Technology, Inc. Page 2 of 5 ORSECDED 1221

ORSECDED (CLS)
04/27/2026 04:12 PM PST

LOAN #: 6008007991

6. Preservation and Maintenance of Property; Leaseholds; Condominiums; Planned Unit Developments,
Borrower shall keep the Property in good repair and shall not commil waste or permil impairment or deternioration of the
Properiy. If this Deed of Trust is on a leasehold, Borrower shall comply with ali the provisions of the kease. Borrower shall
not surrender the laasehold estate and interests herein conveyed or terminate or cance! the ground lease. Borrower shall
not, without the express written consent of Lender, alter or amend the ground fease. If Borrower acquires fee title to the
Property, the leasehold and the fee tile shall not merge unless Lender agrees to the merger in writing. If this Deed of
Trust is on @ unit in a condominium or & planned unit development, Borrower shall perform all of Borrower’s obligations
under the declaration or covenants creating or governing the condeminium or planned unit development, the by-laws
and regulations of the condominium or planned unit development, and constituent documents.

7. Protection of Lender’s Security. if Borrower fails to perform the covenants and agreements contained in this
Deed of Trust, or if any action or proceeding is commenced which matenally affects Lender's interest in the Proparty,
then Lender, at Lender's option, upon notice to Rorrower, may make such appearances, disburse such sums, includ-
ing reasonable attorneys’ fees. and take such action s is necessary to protect Lender’s interest. If Lender required
moitgage insurance as a condition of making the loan tecured by this Deed of Trust, Borrower shall pay the premiums
required to maintain such insurance in effect until such time as the requirement for such nsurance terminates in
accordance with Borrower's and Lender's written agreement or applicable law.

Any amounts dishursed by Lender pursuant to this paragraph 7, with interest thereon, at the Note rate, shall become
additional indebledness of Borrower secured by this Deed of Trust. Unless Borrower and Lender agree 1o other terms
of payment, such amounts shali be payable upon notice from Lender to Borrower requesting payment thereof. Nething
cortaired in this paragraph 7 shall require Lender o incur any expense or take any action hersunder.

8. Inspection. Lender may make or cause o be made reasonable enires upon and inspections of the Property,
provided that Lender shall give Borrower notice prior to any such inspection specitying reasonable cause therefor refated
to Lender’s interest in the Property.

8, Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with
any condemnation or other taking of the Property, or part thereof, or for conveyance in lieu of condemnation, are hereby
2ssigned and shall be paid to Lender, subject to the terms of any mortgage, deed of trust or other security agreament
with a lien which has pricrity over this Deed of Trust.

10. Bowrower Not Released; Forbearance By lender Not a Waiver. Extension of the time for paymeant or
modification of amortization of the sums secured by this Deed of Trust granted by Lender to any successor in interest
of Borrower shall not operate to release, 'n any manner, the liability of the original Borrower and Borrower's succes-
gors in interest. Lender shall not be required to commence proceedings against such successor or refuse to extend
time for payment or otherwise modify amortization of the sumrs secured by this Deed of Trust by reason of any demand
made by the original Borrower and Borrower’s successors in interest. Any forbearance by Lender in exercising any right
or remedy hereunder, or othenvise afforded by applicable law, shall not be a waiver of or preciude the exercise of any
such right or remedy. )

11, Successors and Assigns Bound: Joint and Scveral Liability; Co-signers. The covenants and agreements
kerein contained shall bind, and the rights hereunder shall inure to, the respective successors and assigns of Lender
and Bosrower, subject to the provisions of paragraph 16 hereof. Ail covenants and agresments of Borrower shall be
joint and several. Any Borrower who co-signs this Deed of Trust, but does not execute the Note, (a) is co-signing this
Deed of Trust only to grant and convey that Borrower’s interest in the Property to Trustee under the terms of this Deed
of Trust, (b} is not personally liable on the Note or under ihis Deed of Trust, and (¢) agrees that Lender and any other
Borrower hereunder may agree to exiend, modify, forbear, or make any other accommodations with regard to the terms
of this Deed of Trust or the Note, without that Bor-ower's consent and without releasing thet Barrower or modifying this
Deed of Trust as to that Borrower's interest in the Property.

12. Notice. Except for any notice required under applicable law to be given in another manner, {(a) any notice to
Borrower provided for in this Deed of Trust shall be given by delivering it or by mailing such notice by ceriified mail
addressed to Borrower at the Property Address or at such other address as Borrower may designate by notice to Lender
as provided herein, and () any notice to Lender shall ke given by certified mail to Lender's address stated herein or to
such other address as Lender may designaie by notice to Borrower as provided herein. Any nokice provided for in this
Deed of Trust skall be deemed to have been given to Borrower or Lender when given in the manner designated herein.

13. Governing Law: Severability. The state and local laws applicable to this Deed of Trust shall be the laws of
the jurisdiction in which the Property ts located. The foregeing senience shall not limit the applicability of federal law
to this Deed of Trust. In the event that any provision or clause of this Deed of Trust or the Note conflicts with applicable
taw, such conflict shall not affect other provisions of this Deed of Trust or the Note which can be given efect without
the conflicting provision, and to this end the provisions of this Deed of Trust and the Note are ceclared to be severable,
As used herein, "costs,” “expenses” and “attorneys’ fees” include all sums to the extent not prohibited by applicable
law or limited herein.

14. Borrower's Copy. Borrower shall be furnished a sonformed copy of the Note and of this Deed of Trust at the
time of execution or affer recordation hereof.

15. Rehabilitation Loan Agreement. Borrower shall fulfill all of Borrower’s chligations under any home rehabilita-
tion, improverment, repair, or other loan agreement which Borrower enters into with Lender. Lender, at Lencer's option,
may require Borrower o execute and deliver 1o Lender, in a form acceptabie to Lender, an assignment of any rights,
claims or defenses which Borrower may have against parties who supply labor, materials or services in conrection with
improvements made 1o the Property.

16. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any inter-
estin it is sold or transferred (or if a beneficial interest in Borrower is sold or fransferred and Borrower is not a ratural
person) without Lender's prior wiilter consent, Lender may, at its aption, recuire immediate payment in full of all sums
secured by this Deed of Trust. However, this option shall not be exercised by Lender if exercise is prohibited by federal
law as of the date of this Deed of Trust.

If Lender exercises this option, Lender shalt give Borrower notice of acceleration. The notice shall provide a period

of not fess than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured
by this. Deed of" Trust Hf Borrower faile to pay thees eumns pricr fo the expiration of this period, Lender may invoke any
rameadies permitted by this Deed of Trust without further notice or demand on Borrower,

OREGON - SECOND MORTGAGE - 1/80 - Fannie Mae/Freddie Mac Form 3838

Mouified by ICE Mongage Technology. Inc. Al nghts reserved. Initials;
ICE Morigage Technology, inc. Page 3 of & CRSECDED 1221
ORSECDED (CLS8)

't 3 04/2772028 04:12 PM PST

LOAN #: 6006007991

NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:

17. Acceleration; Remedies. Except as provided in paragraph 16 hereof, upon Borrower's breach of any
covenant or agreement of Borrower in this Deed of Trust, including the covenants te pay when due any sums
secured by this Deed of Trust, Lender prier to acceleration shali give notice to Borrower as provided in paragraph
12 hereof specifying: (1) the breach: (2) the action required to cure such breach; (3) a date, not less than 10 days
from the date the notice is maited to Borrower, by which such breach must be cured; and (4) that failure to cure
such breach an or before tha date specified in the notice may resuit in acceleration of the sums secured by this
Deed of Trust and sale of the Property. The notice shall further inform Borrower of the right to reinstate after
acceleration and the right to bring a court action to assert the non-existence of a default or any other defense
of Borrower to acceleration and sale, If the breach is not cured on or before the date specified in t!ue notice,
Lender, at Lender's option, may declare ali of the sums secured by this Deed of Trust to be i_mmedlatgiy due
and payable without further demand and may inveke the power of sale and any other remedies permitted by
applicable law. Lender shall be entitled to coilect ali reasonable costs and expenses incurred in pursuing the
remedies provided in this paragraph 17, including, but not limited to, reasonable attorneys' fees. )

if Lender invokes the power of sale, Lender shall execute or cause Trustee to execute a written notice of the
geeurrence of an event of default and of Lender's election to cause the Property to be sold and shall cause such
notice to be recorded in each county in which the Property or some part thereof is located. Lender or Trustee shall
give notice of sale in the manner prescribed by applicable iaw to Borrower and 1o the other persons prescribed
by applicable law. After the lapse of such time as may be required by applicable law, irustes, without demand on
Bormrower, shall sell the Property at public auction to the highest bidder at the time and place and under the terms
designated in the notice of the sale in one or more parcels and in such order as Trustee may determine. Trustee
may postpone sale of all or any parcel of the Property hy pubiic announcement at the time and place of any previ-
ously scheduled sale. Lender or Lendet’s designee may purchase the Propenty at any sale.

Trustee shall deliver to the purchaser Trustee's deed conveying the Property so sold without any covenant
or warranty, expressed or implied. The recitals in the Trustee’s deed shall be prima facie evidence of the truth
of the statements made therein. Trusiee shail apply the proceeds of the sale in the following order: {2} to ali
reasonable costs and expenses of the sale, inciuding. but not limited to, reasonable Trustee’s and attorneys’
fees and costs of title evidence; (b) to all sums secured by this Deed of Trust; and (c) the excess, if any, to the
person or persons legally entitled thereto.

18. Borrower's Right to Reinstate. Notwithatanding Lender’s acceleration of the sums secured by this Deed of Trust
due to Batrower's breach, Borrower shall have the right to have any proceedings begun by Lender 1o enforce this Desd
of Trust discontinued at any time prior to the earlier to occur of (i) the fifth day before sale of the Property pursuant to the
power of sale contained in this Deed of Trust or (i) entry of a judgment enforcing this Deed of Trust if: (a) Borrower pays
Lender all sums which would be then due under this Deed of Trust and the Note had no acceleration occurred, (b) Bor-
rower cures all breaches of any other covenants or agreements of Borrower contained in this Deed of Trust; {c) Borrower
pays all reasonabie expenses incurred by Lender and Trustee in enforeing the covenants and agreements of Borrower
cantained in this Deed of Trust, and in enforcing Lender's and Trustee's remedies as provided in paragraph 17 hereof,
including, but not limited to, reasonable attomeys’ fees; and (d) Borrower takes such action as Lender may reasornably
require to assure that the lien of this Deed of Trust, Lender's interest in the Property and Borrower's obligation to pay
the sums secured by this Deed of Trust shall continue unimpaired. Upon such payment and cure by Borrower, this Deed
of Trust and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred.

19. Assignment of Rents; Appointment of Receiver; Lender in Possession. As additional security hereunder,
Borrower hereby assigns to Lender the rents of the Propertly, provided that Borrower shall, prior to acceleration under
paragraph 17 hereof or abandonment of the Property, have the right to collect and retain such rents as they become due
and payable.

Upon acceleration under paragraph 17 hereof or abandonment of the Property, Lender, in person, by agent or by
judicially appaointed receiver shall be entitied to enter upan, take possession of ard manage the Praperty and ta callect
the rents of the Property including those past due. All rents collected by Lender or the receiver shall be applied first to
payment of the costs of management of the Property and collection of rents, including, but not limited to, receiver’s fees,
premiums on receiver's bonds and reasonable attorneys’ fees, and then to the sums secured by this Deed of Trust.
Lender and the receiver shall be liable to account only for those rents actually received.

20. Reconveyance. Upon payment of all sums securad by this Deed of Trust, Lender shall request Trustee to
reconvey the Property and shall surrender this Deed of Trust and all notes evidencing indebtedness secured by this Deed
of Trust to Trustee. Trustee shall reconvey the Property without warranty and without charge to the person or persons
legally entitled thereto. Such person ar parsons shall pay all costs of recordation, if any,

21. Substitute Trustee. In accordance with applicable law, Lender may fram time to time remove Trustee and
appoint 2 successor trustee to any Truslee appointed hersunder. Without conveyance of the Property, the successor
trustee shall succeed 1o all the litle, power and duties conferred upon the Trustee herein and by applicalile law.

22. lise of Property. The Property is not currently used for agriculural, timber, ar grazing purposes.

23. Attorneys’ Fees. As used in this Deed of Trust and in the Note, “attorneys’ fees” shall include attorneys’ fees,
if any, which shall be awarded by an appellate court.

24. Riders. All Riders to this document are executed by Borrower. The following Riders are o be exscuted by the
Borrower [check box as applicable]:.

£ Adjustable Rate Rider i Condominium Rider [ Second Home Rider
L:i Batloon Rider LS Planned Unit Development Rider X} Otheris) [specify]
= 1-4 Family Rider [ Biweekly Payment Rider Simple Inferest Rlder

25. Request for Notice of Default and Faoraclosure Under Superior Mortgages or Deeds of Trust. Borrower and

Lender request the holder of any mortgage, deed of trust or other encumbrance with a lien which has priority over this
Deed of Trugt to give Nolice to Lender, at Lender's address set farth on page enc of this Deed of Trust, of any defauls
under the superior encumbrance and of any sale or other foreciosure action,

OREGON - SECOND MORTGAGE - /80 - Fannie Mae/Freddie Mac Form 3338
Modified by ICE Morigage Technalegy, inc. Ali ights reserved. Initial
ICE tMortgage Technology, Inc. Page 4 of5 QRSECDED 1221

ORSECDED (CLS)
04/27/2026 04:12 PM PST

IN WITNESS WHEREQF, Borrower has executed this Deed of Trust.

LOAN #: 6006007991

H 29 L e

DEBRA SUE HAGEN, AS TRUSTEE/OF THE HAGEN JOINT REVOCABLE LIVING DATE

TRUST UNDER TRUST INSTRUMENT DATED 12/07/2016, FOR THE BENEFIT OF
DEBRA SUE HAGEN, AS TRUSTEE OF THE HAGEN JOINT REVOCABLE LIVING
TRUST UNDER AGREEMENT DATED DECEMBER 7, 2016

State of Oregon
County of KLAMATH

This record was acknowledged before me on q / CDCI / aca (0

(date) by DEBRA SUE

HAGEN, AS TRUSTEE OF THE HAGEN JOINT REVOCABLE LIVING TRUST DATED 12/07/2016, FOR THE
BENEFIT OF DEBRA SUE HAGEN, AS TRUSTEE OF THE HAGEN JOINT REVOCABLE LIVING TRUST UNDER

AGREEMENT DATED DECEMBER 7, 2016. X%

Lender: Rogue Credit Union
NMLS ID: 776623

Loan Originator: Diego Cortez
NMLS ID: 2253340

Notary Public,
State of

CEE S

OFFICiAL STAMP
ELVINA MAY CONTLA
NOTARY PUBLIC - DREGON
COMMISSION NO. 1025470A
MY COMMISSION EXPIRES JUNE 23, 203

OREGON - SECOND MORTGAGE - 1/80 - Fannie Mae/Freddie Mac Form 3838

Maodified by ICE Morigage Technology, (nc. Afl rights reserved,
ICE Mortgage Technalogy, Inc.

Page S of §

Inltials:
@] =iy s
ORSECDED (CLS)
Q42272026 04:12 PM PST

LOAN #: 6006007991

SIMPLE INTEREST RIDER
{Fixed Rate}

THIS SIMPLE INTEREST RIDER (ithis Rider) is made this 29th  day of _
April, 2026 and is incorporated into and shall be deemed 1o amend

and supplement:

The Mortgage, Mortgage Deed, Deed of Trust, or Security Deed (the “Security Instru-
ment”) of the same date given by DEBRA SUE HAGEN, AS TRUSTEE OF THE
HAGEN JOINT REVOCABLE LIVING TRUST UNDER AGREEMENT DATED
DECEMBER 7, 2016

(referred to herein as “Mortgagor,” whether one or more) 1o secure a certain promissory
note {the “Note”) io Rogue Credit Union, a State Chartered Credit Union

(*Lender”} and covering the property described in the Security Instrument and located at:
965 CARLSON DR ,
KLAMATH FALLS, OR 97603-4128

Unless the contexi requires otherwise, capitalized terms used in this Rider that are not
specifically definad in this Rider have tha same meaning as in the Security Instrument.

The terms and conditions of the Security Instrument remain in effect {including, for
example and without limitation, the late charge and defauit provisions of the Security

instrument), except that in case of irreconcilable conflict between this Rider and the
terms and conditions of the Security Instrument, this Rider will control.

ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the
Security Instrument, each of the undersigned further covenant and agree as follows;

Interest on the unpaid principal balance of the Noie and on amounts disbursed by
Lender pursuant to the Security Instrument shall be computed daily on a simple interest
basis, from date of disbursement o the date payment is accepted and applied to unpaid
principal or to amounts disbursed pursuant to the Security Instrument (as applicabie).
The daily interest rate shall equal the annual interest rate described in and applicable
to the Note (the “Note rate”) divided by 365.

If payments required by the Note or Security Instrument are made late, the interest
payable under the Note or Security Instrument (as applicable) will continue to accrue
to the date payment is accepted and applied to reduce outstanding unpaid disbursed
amounts, as described above. If payments required by the Note are made late,
because interest will continue to accrue on the unpaid pringcipal balance of the Note
until payment is accepied and applied 1o reduce the unpaid principal balance, the
fotal interest due under the Note will increase, which may cause the dollar amount of
the final paymant due under the Note to also increase accordingly. If payr?

FIXED RATE SIMPLE INTEREST RIDER Initials:
ICE Mortgage Technology, Inc. Page 1a0f2 GFSIRBU 0824

GSIRLU (CLS)

04/27/2026 0412 PM PST

LOAN #: 6006007991

required by the Note are made early, the amount of interest payable under the Note
will be less than originally scheduled, which may cause the total number of payments

and/or the dollar amount of the final payment required to be made under the Note to
decrease accordingly.

BY SIGNING BELOW, each Morigagor and Borrower accepts and agrees o the
terms and covenants contained in this Simple Interest Rider.

L/?&'({p (Seal)
DEBRA SUE HAGEN, AS TRUSTEE OF THE HAGEN JOINT REVOCABLE LIVING DATE
TRUST LINDER TRUST INSTRUMENT DATED 12/07/2016, FOR THE BENEFIT OF

DEBRA SUE HAGEN, AS TRUSTEE OF THE HAGEN JOINT REVOCABLE LIV!NG

TRUST UNDER AGREEMENT DATED DECEMBER 7, 2016

FIXED RATE SIMPLE INTEREST RIDER Initials:
ICE Mortgage Technology, Inc. Page 2 of 2

&

GSIRLL {CLS)
04/27/2026 04:12 PM PST