2026-004634 Klamath County, Oregon 05/26/2026 02:39:02 PM Fee: $117.00 When recorded. return to: Rogue Credit Union 1370 Center Drive Medford, OR 97501 LOAN #: 8006047244 DEED OF TRUST I DEED OF TRUST s made this 19th day of May, 2026 among the Grantor, HAROLD G. CAREY, JR. AND KAREN A. CAREY, HUSBAND AND WIFE {hezein “Borrowes™ ). First American Data Tree i . {hereir “Trustee™). and the Beneficiary. Rogue Credit Union, a State Chartered Credit Union, organ:zed and ex:sling under the laws of Oregon, whose address s 1370 Center Drive, Medferd, OR 97501 (herein "Lendes”). BORROWER. in consideration of the indebledness herein recited and the trust herein created. itrevocably granis and ceaveys to Trustee. in frust. with power of sale. the following described property located in the County Typs of Recording Jurscctior ¢f - Klamath [Name of Recording Jurisdictiony LOT 22, BLOCK 2, ROLLING HILLS SUBDIVISION TRACT NO 1099, ACCORDING TO THE QFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. SITUATED IN THE COUNTY OF KLAMATH, STATE OF OREGON. PPN: R599141. APN #: R599141 [ MORTGAGE - 1780 - Famnle MaelFreddie Mac Form 3838 zGe Techaclogy Ing Al rights caserved. . inC. Page 1ot 5 LOAN #: 6006047244 which has the address of 8622 ROCKINGHORSE LN, KLAMATH FALLS {Street] {Cay} Oregon 97603-9629 {herein "Property Address’); [Z:P Code} TOGETHER with all the improvements now or hereafter erected on the property. and all easements, nghts, appurtenances and rents {subject however to the rights and authorilies given herein to Lender to coliect and apply such rents), all of which shall be deemed to be and remam a part of the property covered by this Deed of Trust: and all of the foregoing. together with said property for the feasehcld estate if this Deed of Trust is on a leasehold) are hereinafter referred {c as the “Property™: TO SECURE to Lender the repayment of the indebledness evidenced by Borrower's note dated May 19, 2026 and extens:ons and renewals therecf (harein “Note™), in the principal sum of U.S. $60.000.00, with interest thereon. providing for monthly instaliments of principat and interest. with the balance of the indebtedness. if not sooner paid. due and payable on June 15, 2041, the payment of 3l other sums, with interest therecon, advanced in accordance herewith te protect the security of this Deed of Trust and the performance of the covenants and agreements of Borrower herein contained. Borrower covenants that Borrower is lawtully seised of the estate hereby conveyed and has the right ta grant and convey the Property. and that the Property is unencumbered, except for encumbrances of record. Borrower covenants that Berrower warrants and will defend generally the titte to the Property against all clams and demands. suhject to encumbrances of record. UNIFORM COVENANTS. Borrower and Lendar covenant and agree as follows: 1. Payment of Principal and Interest. Borrower shall promptly pay when due the principal and interest indebtednass evidenced by the Note and late charges as provided in the Note. 2. Funds for Taxes and Insurance. Subject to applicable iaw or a written waiver by Lender. Borrower shall io Lander on the day monthly payments of principat and interest are payable under the Note. until the Note is in fGk, a sum {hereir “Funds”) equal to one-fwelfth of the yearly taxes and assessments (including condominium and pianned unit development assessments, if any) which may attain priofity over this Deed of Trust. and ground rents on the Property. if any, plus one-twelfth of yearly premium installmenis for hazard insurance, plus one-twelfth of yearly premiun: instailments for mortgage insurance. if any, all as reasonabiy estimated inifially and from time o time by Lender or: the basis of assessments and bilis and reasonable estimates thereof Borrower shall rot 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 deed of rust if such holder is an instilutional lender. if Borrower pays Funds to Lender. the Funds shall be held in an instiution the deposits or accounts of which are nsured or guaranteed by a federal or state agency (including Lender d Lender is such an institution). Lender shall apply the Funds te pay sawd taxes. assessments, msurance prerniums and ground rents. Lender may not charge for so holding and applyirg the Funds, analyzing said account or verifying and compiling said assessments and bils, uniess Lender pays Borrowes intesest on the Funds and applicable faw permits Lender to make such a charge. Borrower and Lender may agree in writing at the time of execution of this Deed of Trust that interest on the Funds shalt be paid to Borrower. and uniess such agreerrent is made or applicabie law requires such inlerest to be paid, Lender shali not be required to pay Borrower any mlerest or earnings on the Funds. Lender shall give to Borrower. without charge. an annual aecounting of the Funds showing credits and debits to the Funcs and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums securad by this Deed of Trust. if the amount of the Funds held by Lender, together with the future monthiy instaliments of Funds payable prior to the due dates of taxes. assessments, insurance premiums and ground rents, shall exceed the amount required to pay said taxes. assessments. insurance premiums and ground rents as they fall due, such excess shall be. at Borrower's optior. either promptly repaid to Borrower or credited ta Borrower on monthly installments of Funds. If the amount of H s heid by Lender shall not be sufficient to pay taxes. assessments. insurance premiums and ground rents as . Borrower shail pay to Lender any amount necessary to make up the deficiency in one or more payments _ender may require. Upon payment in full of alf sums secured by this Deed of Tzust. Lender shak promplly refund tc Borrower any Funds held by Lender. If under paragraph 17 herecf the Property is sold or the Property is otherwise acquired by Lender. Lender shall apply. no later than immediately prior 1o the sale of the Property of its acquisition by Lender. any Funds held by Lender at the time of application as a credit against the sums secured by this Deed of Trust. 3. Application of Payments. Unless applicable law provides otherwise. all payments received by Lender under the Note anc paragraphs 1 and 2 hereof shall be applied by Lender first in payment of amounts payable to Lender by Borrower under paragrach 2 hereof. then to interest payable on the Note, and then to the principal of the Note. 4. Pror Morigages and Deeds of Trust: Charges: Liens. Borrower shall perform all of Borrewer’s obligations gnc?et any morlgage. deed of trust or cther security agreement with a lien which has priority over this Deed of Trust, mcluding Barrower’s covenants to make paymenis when due. Borrower shall pay or cause o be paid ail taxes, assessmenls and other charges. fines and impesitions attiibutadle to the Property which may attain 2 ptiariry over this Deed of Trust, and leasenold payments or ground rents, if any. ’ ' 5. Hazard Insurance. Borrower shall keep the improvements now existing or hereafter efected on the Property nsured against loss by fire. hazards included within the term “extended coverage.” and such other hazards as Lender may require ard in such amounts and for such periods as Lender may require. ‘ The insurance carniet providing the insurance shall be chasen by Borrower subject ta approval by Lender: provided. that such approval shall not he unreasonably withheld. All insurance policies and renewals thereof shail be in a form acceptable 1c Lender and shall include a standard mortgage clause in favor of and in a form acceptabie te Lender. Lender shall have the right to hold the poiicies and renewals thereof. subject to the terms of any mertgage. deed of trust or other securiy agreement with a lien which has priority over this Beed of Trust. In the event of loss. Borrower shak give prompt notice to the insurance carrier and Lender. Lender may make proof 3t made promptiy by Borrower. : ‘ropasty is abandoned by Borrower. or if Borrower fails to respond to Lender within 30 days from the date ‘s mailed by Lender to Borrower that the insurance carrier offers 1o settle a claim %or insurance benefits. Lender is authorized to collect and apply the insurance proceeds at Lendar's option either to resforation or repair of the Property or to the sums secured by this Deed of Trust. ' ' {80 - Fannie MaefFraddie Mac Form 3538 . inc. Al rights reserved Initials: Page 2 of 5 WHSLCDED 1221 QRSECDED CLS) 057152028 0¢ 18 PM PST LOAN #: 6006047244 6. Preservation and Maintenance of Properly; Leaseholds: Condominiums; Planned Unit Developments. Borrower shall keep the Properly in goad repair and shall not commit waste or permil impairment or delerioration ofrthei Propesty. If this Deed of Trust is on a leasehald. Borrower shall comply with all the provisions of the lease. Borrower shall not surrender the leasehold estate and interests herein conveyed or terminate cf cancel the ground iease Borrower shall not. withou! the express written consent of Lender. alter or amend the ground lease. If Borower acquires fee fitle to the Property, the leasehold and ihe fee tile shall not merge untess Lender agrees fo the merger in writing. if this Deed of Trust is on a unit in a cordominium of a planned unit development, Borrower shall perform ail of Borrowet's obligations under the declaralion or covenants creating or governing the condominium or planned unit deveiopment. the by-laws and regulations of the cendeminium or planned unit development. and constituent documents. 7 7. Protection of Lender’s Security. if Borrower fails to perform the covenants and agreements cenfained in this Deed of Trust, cr if any action or proceeding is commenced which materially affects Lender's interest in the Property, then Lender. at Lender's option. upon notice to Borrower. may make such appearances. disburse such sums, includ- ing reasonable aftorneys’ fees. and 1ake such action as is necessary 1o prolect Lender's inferest. If Lender required mortgage insurance as a condilicn of making the Ioan secured by this Deed of Trust. Borrower shall pay the premiums required to maintain such insurance in effect until such bme as the requirement for such insurance terminates In accordance with Borrower's and Lender’s writter agreement or applicable law. Any amounts disbursed by Lender pursuant to this paragraph 7. with interest thereon. at the Note rate, shail beccme additional indebtedness of Borrower secured by this Deed of Trust. Unless Borrower and Lender agree 1o other terms of payment. such amounts shall be payatle upon notice fror: Lender to Borrower requesting payment thereof. Nothing containad in this paragraph 7 shail cequire Lender to incur any expense or fake any action hereunder. 8. Inspection. Lerder may make of cause ic be made reasonable entries upon and inspections of the Preperty. provided that Lender shal: give Borrower notice prior to any such inspeclion specifying reasonable cause therefor related lo Lender’s interest in the Property. 9. 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 thereol. or for conveyance in Eeu of condemnation, are hereby assigned and shall be paid to Lender. subject 1o the terms of any morigage. deed of trust or other security agreement with a iien which has prierity over this Deed of Trust. 10. Borrower Nol Released; Forbearance By Lender Nol a Waiver. Extension of the time for payment or modiication of amontizaton of the sums secured by this Deed of Trust granted by Lender to any successer in interest of Borrower shall not operale to release. in any manner, the lability of the original Borrower and Bofrower's succes- sors ininterest. Lender shall not be required o commence proceedings against such suceesser or refuse to extend time for payment or otherwise modify amostization of the sums 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 exereising any right or remedy hereunder. or otherwise afforded by appicable jaw, shall not be a waiver of or prediude the exercise of any such rght or remedy. 11. Successors and Assigns Bound: Joint and Scveral Liability: Co-signers. The covenants and agreements herein contained shafl bind. and the rights hereunder shali inure lo. the respactive successors and assigns of Lender and Borrower. subject ic the provisions of paragraph 16 hereof Ali covenants and agreements of Borrower shall be 4 several Any Borrower who co-signs this Deed of Trust, but does rot execute the Note. {3} is co-signing this ‘rust oniy to grant and convey that Borrower’s interest in the Property to Trustee under the terms of this Deed s not personally liabie on the Note or under this Deed of Trust. and {c) agrees that Lender and any cther heseunder may agree to exiend. modify. forbear. or make any other accommedations with regard to the terms of this Deed of Trust or the Note. without that Borrower's consent and without releasing that Bosrower or modifying this Deed of Trust as to that Borrower's interest in the Froperty. ' 12. Notice. Except for any notice required under applicable law to be given in another manner. {a) any notice to Berrower provided for in this Deed of Trust shall be given by delivering it or by mailing such notice by certified mait addressed to Beorrower al the Property Adcress or at such other address as Borrower may designate by nofice to Lender as provided herein. and {b} any nclice to Lender shall be given by certified mail to Lender's address stated hereir or to such other address as Lender may designate by nolice to Bomower as provided herein. Any nctice provided for in this Deed of Trust shall be deemed to have been given 1o Botrower or Lender when given in the manner designated herein. 13. Governing Law: Severability. The state and local laws applcable to this Deed of Trust shail be the laws of the jurisdiction in which the Property is located. The foregcing sentence shall not limi the appiicability of federal law to this Deed of Trust. In the event that any provision o clause of this Deed of Trust or the Note conflicts with appiicable I.j-n-:; slich cenflict shall net affect ather provisions of this Deed of Trust or the Note which can be given effect without the conflicting provision, and to this end the provisions of this Deed of Trust and the Note are declared !0 be severable. As used he;einf "cosis,” "expenses” and “attorneys’ fees” include all sums o the extent not prehsbited by applicable 3w of wmaed hergin, 1. Borrower's Copy. Borrower shall be furnished a conformed copy of the Note and of this Deed of Trust at the time of execution or after recordation hereot. 15. Rehabilitation Loan Agreement. Borrower shall fulfilt all of Barrower's obligations under any home rehatilita- crovement, repair. or other loan agreement which Berrower enters into with Lender. Lender. at Lender's option, ma suire Borrower to execule and deliver to Lender. in a form acceptable to Lender. an assignment of any nghts. clains or defenses which Borrower may have against parties who supply Iabor. materials or services in connection with mprovements made to the Property. 15 Transfer of the Property or a Beneficial interest in Borrower. If ali or any part of the Properily or any inter- estin 143 sold of transierred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a nalural person} without Lender’s prior written consent. Leader may. at its option, require immediaie pasyment in full of all sums secured by this Deed of Trust. However, this option shall not be exercised by Lender # exercise is prohbited by federal f1hg date of this Decd of Trust. 1 Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of Aot less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by th Deed of Trust. if Borrower fails to pay these sums pricr to the expiraticn of this period. Lender may invoke any remedies permitted by this Deed of Trust without funiher notice or demand on Barrower, " e au o AW G5 O OREGON - SECOND MORTGAGE - 1480 - Fannle Mae/Freddia Mac Form 3838 & CE Morigage Techasiagy. inc All nights reserved Initials: & Technology. inc Page 3 of 5 ORSECDED 1221 ORSECDED €1 8) 67152026 0414 204 L OAN #: 6006047244 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 Trusl, including the covenants to pay when due any sums secured by this Deed of Trust, Lender prior 1o acceleration shall give notice to Borrower as provided in paragraph 12 hereof specifying: (*) the breach; (2) the action required to cure such breach: (3) a date, not less than 10 days from the date the notice is mailed to Borrower, by which such breach must be cured; and (4) that failure to cure such breach 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 Borrower of the right to reinsiate afler 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 the notice, Lender, at Lender’s oplion, may declare all of the sums secured by this Deed of Trusl 1o be immediatoly due and payable without further demand and may invoke the power of sale and any other remedies permitted by applicable law. Lender shall be ¢ntitled to collect all reasonable costs and expenses incurred in pursuing the remedies provided in this paragraph 12, including, but not limited to, reasonable anorneys’ f(;es. ] If Lender invokes the power of sale, Lender shall execule or cause Trustee lo execute a wrnitlen notice of the occurrence of an event of default and of Lender’s election to cause the Property (0 be sold and shall cause such notice to be recorded in each county in which the Property or some parl thereof is localed. Lender or Trustee shall give notice of sale in the manner prescribed by applicable law o Borrower and o the other persons prescribed by applicable law. After the lapse of such time as may be required by applicable law. Trustee, without demand on Borrowes, shall sell the Property at public auction to the highest bidder at the time and place and under the lerms 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 by public announcement at the time and place of any previ- ously scheduled sale. Lender or Lender's designee may purchase the Property at any sale. Trustee shall deliver to the purchaser Trustee’s deed conveying the Property so sold without any covenant or warranty, expresscd or implied. The recitals in the Trustee’s deed shall be prima facie evidence of the truth of the statements made therein. Trustee shall apply the proceeds of the sale in the following order: (a) le all reasonable costs and expenses of the sale, including. but not limited to, reasonable Trusiee’s and atiorneys’ fees and cosis of title avidence; (b) to all sums secured by this Deed of Trust; and (c) the excess. if any, to the person or persons legaily entitled thereto. 18. Rorrawer's Right 1o Reinstale. Notwithstanding Lender’s acceleration of the sums secured by this Deed of Trust due to Borrower's breach, Bosrower shall have the right lo have any proceedings begun by Lender o enfarce this Deed of Trust discontinued at any time prior 1o the earfier to ccour of {i) the fifth day before sale of the Property pursuant to the power of sale contained in this Deed of Trust or (&) entry of a judgment enforcing this Deed of Trust if: {a) Borrower pays i il sums which would be then due under this Deed of Trust and the Note had no acceleration occurred; {b) Bor- contained in this Deed of Trust. and in enforcing Lender’s and Trustee's remedies as provided in paragraph 17 hersof. including. but not imitec to_ reasonable attormneys’ fees: and (d) Borrower takes such aclion as Lender may reasonably require fo assure that the lien of this Deed of Trust. Lender's intesest in the Property and Borrower's obligation to pay the sums secured by this Deed of Trust shall confinue unimpaired. Upon such payment and cure by Borrower, this Deed of Trust and the obligations secured hereby shall remain in full farce and effect as if no acceleration had occurred. 19. Assignment of Rents: Appointment of Receiver: Lender in Possession. As additional security heseunder, Borrower hereby assigns to Lender the rents of the Property, provided that Borrower shall, prior o acceleration under paragraph 17 hereof or abandonmeni of the Property. have the right to callect 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 appoinied receiver shall be entitled to enter upon. take possession of and manage the Preperty and 16 collect the rents of the Property including those past due Al rents coliected hy Lender or the receiver shail be applied first to payment of the costs of management of the Property and coltection of rents. including. but not limited to, receiver's fees. premmiums on receiver's bonds and reasonable attomeys fees. and then to the sums secured by this Deed of Trust. Lender and the receiver shall be liable 10 atcount eniy for those rents actually received. 20. Reconveyance Upon payment of all sums secured by this Deed of Trust, Lender shall request Trustee to reconvey the Property and sbhall suirender this Deed of Trusi and all notes evidencing indebtedness secured by this Deed t to Trustee. Trustee shall reconvey the Property withou: warraniy and without charge to the person or persons gaily entitied thereto. Such person or persons shall pay all costs of recordation. if any. ' 21. Substitute Trustee. In accordance with apphcable law. Lender may from time to time remave Trustee and appoinl a successor trustee to any Trustee appointed hereunder. Without conveyance of the Property, the successor frustee shall succeed to ait the title, power and duties conferred upon the Trustee herein and by applicabie law. 22. Use of Property. The Property is not currenily used for agricultural, timber, or 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 fo be executed by the Borsower {check box as applcable] __ Adjustable Rate Rider Condominium Rider . | Second Home Rider i}a!l??n Rider Planned Unit Bevelopment Rider Other{s) [speacify] — 4 Family Rider - Biweekly Payment Rider Simple Interest Rider 25. Request for Notice of Default and Foreclosurc Under Superior Morlgages or Decds of Trust, Borrowes arxd Lender request the hoider of any mortgage. deed of trust or other encumbrance with a lien which has priority over this Deed of Trust to give Notice to Lender. at Lender’s address set forth on page one of this Deed of Trust, of any default under the superior encumbrance and of any sale or other foreciosure action. ' GAGE - 178 - Fannie Mae/Freddie Mac Form 383R OREGON - SECOND MO Page 4 of 5 LOAN #: 6006047244 IN WITNESS WHEREOQF. Borrower has executed this Deed of Trust. . {Seal) DATE = G {Seal) DATE State of Oregon County of KLAMATH i This record was acknowledged before me on _! JR and KAREN A CAREY. It (date) by HAROLD G CAREY TAMZ AN RERGIOEE Lender: Roque Credit Union NMLS ID: 776623 Loan Originator: Rhiannon K Woodruff NMLS ID: 530605 20 - Fannic MaaFreddiz Mac Form 3838 miclogy. Ine. AR eghis reserved. Initials: Page 5015 - SCCOND MOARTGAGE - 3 CF Mortzaga T ORSLCOCD 1221 ORSECDED {CLS) $5/1572026 0414 PM PST LOAN #: 6006047244 May, 2026 and is incorporated into and shall be deemed to amend and supplement: The Mortgage, Mortgage Deed, Deed of Trust, or Security Deed (the “Security Instru- ment”) of the same date given by HAROLD G. CAREY, JR. AND KAREN A. CAREY, HUSBAND AND WIFE (referred to herein as “Morigagor,” whether one or more) to secure a certain promissory note {the “Note”) to Rogue Credit Union, a State Chartered Credit Union KLAMATH FALLS, OR 97603-9629 Unless the context requires otherwise, capitalized terms used in this Rider that are not specifically defined in this Rider have the 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 detfautlt 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 an the unpaid principal balance of the Note and on amounts disbursed by Lender pursuant to the Security Instrument shall be computed daily on a simple interest 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 fo 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 principal balance of the Note until payment is accepted and applied to reduce the unpaid principal balance, the total interest due under the Noie will increase, which may cause the dollar amount of the final payment due under the Note to also increase accordingly. If payments FIXED RATE SIMPLE INTEREST RIDER tnitials: ICE Morigage Technsiogy. Inc. Page 1 of 2 GFSIRDY 0624 ’ GSIRLU (LS} 05/15/2026 04-14 PM PRT LOAN #: 6006047244 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 Mortgagor and Borrower accepts and agrees to the terms and covenants contained in this Simpie Interest Rider. . . 1./ FIXED RATE SIMPLE INTEREST RIDER initials: H5¢. A7 ICE Martgage Technology. loc. Page 2 of 2 GFSIRDU 0624 GSIRLU (CLS) 051572026 0414 PM PST