2026-001872
WHEN RECORDED MATL TO: Klamath County, Oregon
Atin: Underwriting 03/02/2026 10:16:01 AM
Mid Oregon Credit Union Fee: $117.00
P.O. Box 6749

Bend, Oregon 97708-6749

SPACE ABOVE THIS LINE FOR RECORDERS USE ONLY

LINE OF CREDIT TRUST DEED

THIS LINE OF CREDIT TRUST DEED 1S DATED 2/24/2026
Among (referred to below as "Trustor”) Mackenzie A. Dyke and Netaia Dyke, as tenants by the entirety,

Whose address is 146613 WILD COUGAR LN GILCHRIST, OR 87737-9724

Mid Oregon Credit Unicen, whose address is P.O. Box 6749, Bend, Oregon 97708-6749 (referred to below sometimes as

"Lender" and sometimes as "Beneficiary"); and (referred to below as "Trustee™)
MID OREGON CREDIT UNION
Whose address 1s PO BOX 6749 BEND, OR 97708

This Line of Credit Trust Deed secures the Home Equity Plan Credit Agreement and Disclosures
("Agreement”) dated 2/24/2028 the maximum principal amount at any one time of § 155,000.00

The term of the Agreement commences on the date of this Line of Credit Trust Deed and for purposes of ORS 88.110, ends
thirty (30) years after that date.

This Line of Credit Trust Deed is given to secure (1) payment of the indebtedness and (2) performance of any and all
obligations of Trustor under the Agreement and this Line of Credit Trust Deed. This Line of Credit Trust Deed is given and
accepted on the following terms:

I. CONVEYANCE AND GRANT. For valuable consideration, Trustor conveys to Trustee in trust, with power of sale for
the benefit of Lender as Beneficiary all of Trustor's right, title, and interest in and to the following described real
property (Real Property), together with all existing or subsequently erected or affixed buildings, improvements and
fixtares; all easements, rights of way, and appurtenances; all water, water rights and ditch rights (including stock in
utilities with ditch or irrigation rights); and all other rights, royalties, and profits relating to the real property, including
without limitation all minerals, oil, gas, geothermal and similar matters. Property description:

All that real property situated in the County of Klamath, State of Oregon, described as: Lot 2 in Block 2 of
JACK PINE VILLAGE, according to the official plat thereof on file in the office of the County Clerk, Klamath
County, Oregon

2.  DEFINITIONS. The following words shall have the following meanings when used in this Line of Credit Trust Deed:

a. Indebtedness. The word "Indebtedness” means all principal and interest payable under the Agreement and any
amounts advanced or expended by Lender to discharge obligations of Trustor or expenses incurred by Trustee or
Lender to enforce obligations of Trustor under this Line of Credit Trust Deed, together with interest on such amounts
as provided in this Line of Credit Trust Deed. This Line of Credit Trust Deed secures a line of credit. The term
"Line of Credit" means a revolving line of credit which oblizates Lender to make advances to Trustor at a fixed or
variable rate of interest in the maximum principal amount at any one time as set forth above until the Agreement is
terminated or suspended or if advances are made up to the maximurm credit limit, and Trustor complies with the
terms of the Agreement. Funds may be advanced by Credit Union, repaid by Trustor, and subsequently readvanced
by Credit Union in accordance with the Agreement. Notwithstanding the amount outstanding at any particular time,
this Line of Credit Trust Deed secures the total indebtedness under the Agreement. The unpaid balance of the line of
credit under the Agreement will remain in full force and effect notwithstanding a zero-outstanding balance on the
line from time to time. Any principal advance under the line of credit that exceeds the amount shown above as the
principal amount of the Agreement will not be secured by this Line of Credit Trust Deed.

b. Personal Property. The words "Personal Property” mean all equipment, fixtures, and other articles of personal
property owned by Trustor, now or hereafter attached or affixed to the Real Property; together with all accessions,
parts, and additions to, all replacements of, and all substitutions for, any of such property; and together with all
proceeds (including without limitation all insurance proceeds and refunds of premiums) from any sale or other
disposition of the Property.

¢. Property. The word "Property” means collectively the Real Property and the Personal Property.

d. Related Documents. The words "Related Documents” mean and include without limitation all advance vouchers,
loan agreements, guaranties, security agreements, mortgages, deeds of trust, and all other documents, whether now
or hereafter existing, executed in connection with Trustor's Indebtedness to Lender.

PAYMENT AND PERFORMANCE. Trustor shall pay te Lender all amounts secured by this Line of Credit Trust Deed

as they become due, and shall strictly perform all of Trustor’s obligations under the Agreement and Line of Credit Trust

Deed.

4. POSSESSION AND MAINTENANCE OF THE PROPERTY. Trustor agrees that its possession and use of the
Property shall be governed by the following provisions:

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Trustors® initials N D/ MP

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5.

a. Possession and Use. Unless and until Lender takes any action under paragraph 17, Trustor may (a) remain in
possession and control of the Property, and (b) operate and manage the Property.

b. Duty to Maintain. Trustor shall maintain the Property in tenantable condition and promptly perform all repairs and
maintenance necessary to preserve its value.

¢. Hazardous Substances. Trustor represents and warrants that the Property never will be so long as this Line of
Credit Trust Deed remains a lien on the Property, used for the generation, manufacture, storage, treatment, disposal,
release or threatened release of any hazardous substance, as those terms are defined in the Comprehensive
Environmental Response, Compensation and Liability ’

Act of 1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the Superfund Amendments and
Reauthorization Act ("SARA™), applicable state laws, or regulations adopted pursuant to any of the foregoing.
Trustor authorizes Lender and its agents to enter upon the Real Property to make such inspections and tests as
Lender may deem appropriate to determine compliance of the Property with this paragraph. Any inspections or tests
made by Lender shall be for Lender's purposes only and shall not be construed to create any responsibility or
liability on the part of Lender to Trustor or to any other person. Trustor agrees to indemnify and hold Lender
harmless against any and all claims and losses resulting from a breach of this paragraph of the Line of Credit Trust
Deed. This obligation to indemnify shall survive the payment of the Indebtedness and the satisfaction of this Line of
Credit Trust Deed.

d. Nuisance, Waste. Trustor shall not cause, conduct or permit any nuisance nor commit or suffer any strip or waste
on or to the Property or any portion thereof. Specifically without limitation, Trustor will not remove, or grant to any
other party the right to remove, any timber, minerals (including oil and gas), soil, gravel or rock products without the
prior written consent of Lender.

e. Lender's Right to Enter. Lender and its agents and representatives may enter upon the Real Property at all
reasonable times to attend to Lender's interest and to inspect the Property for purposes of Trustor’s compliance with
the terms and conditions of this Line of Credit Trust Deed.

f Compliance with Governmental Requirements. Trustor shall promptly comply with all laws, ordinances, and
regulations of all governmental authorities applicable to the use or occupancy of the Property. Trustor may contest
in good faith any such law, ordinance, or regulation and withhold compliance during any proceeding, including
appropriate appeals, so long as Trustor has notified Lender in writing prior to doing so and so long as Lender's
interests in the Property are not jeopardized. Lender may require Trustor to post adequate security reasonably
satisfactory to Lender, to protect Lender's interest.

g. Duty to Protect. In addition to the acts set forth above in this section, Trustor shall do all other acts that from the
character and use of the Property are reasonably necessary to protect and preserve the Property.

INDEMNITY. Trustor shall indemnify Lender and hold Lender harmless from any and all claims or liabilities arising
out of or in connection with the Property or its use, provided that such claims or liabilities arise out of acts or omissions
occurring subsequent to the date Trustor first holds title to the Property.

DUE ON SALE ~ CONSENT BY LENDER. Trustor shall not sell, or transfer its interest in the Real Property or any
interest or part thereof, without the Lender's prior written consent. A sale, assignment, or transfer means the conveyance
of real property or any right, title or interest therein; whether legal or equitable; whether voluntary or involuntary;
whether by cutright sale, deed, installment sale contract, land contract, contract for deed, lease-option contract, or by
sale, assignment, or transfer of any beneficial interest in or to any land trust holding title to the Real Property, or by any
other method of conveyance of real property interest. Transfer also includes any change in ownership of more than fifty
percent (50%) of the interests of Trustor. However, this option shall not be exercised by Lender if exercise is prohibited
by federal law or by Oregon law.

LEASES - CONSENT REQUIRED. Trustor may not lease or sublet the Property. Trustor represents and agrees that
the Property will remain owner-occupied.

TAXES AND LIENS. The following provisions relating to the taxes and liens on the Property are a part of this Line of
Credit Trust Deed.

a. Payment. Trustor shall pay when due before they become delinquent all taxes, special taxes, assessments, charges
(including water and sewer), fines and impositions levied against or on account of the Property, and shall pay when
due all claims for work done on or for services rendered or material furnished to the Property. Trustor shall maintain
the Property free of all Hens baving priority over or equal to the interest of Lender under this Line of Credit Trust
Deed, except for the lien of taxes and assessments current but not yet due, except as otherwise provided in this Line
of Credit Trust Deed. If Trustor objects in good faith to the validity or amount of any tax, assessment, or related
lien, Trustor at its sole expense may contest the validity and amount of the tax, agsessment, or len.

b. Evidence of Payment. Trustor shall upon demand furnish to Lender evidence of payment of the taxes or
assessments and shall authorize the appropriate governmental official to deliver to Lender at any time a written
statement of the taxes and assessments against the Property.

PROPERTY DAMAGE INSURANCE. The following provisions relating to insuring the Property are a part of this
Line of Credit Trust Deed.

WARNING - UNLESS YOU PROVIDE US WITH EVIDENCE OF THE INSURANCE COVERAGE AS
REQUIRED BY OUR LOAN AGREEMENT, WE MAY PURCHASE INSURANCE AT YOUR EXPENSE
TO PROTECT OUR INTEREST. THIS INSURANCE MAY, BUT NEED NOT, ALSO PROTECT YOUR
INTEREST. IF THE COLLATERAL BECOMES DAMAGED, THE COVERAGE WE PURCHASE
MAY NOT PAY ANY CLAIM YOU MAKE OR ANY CLAIM MADE AGAINST YOU. YOU MAY
LATER CANCEL THIS COVERAGE BY PROVIDING EVIDENCE THAT YOU HAVE OBTAINED
PROPER COVERAGE ELSEWHERE. YOU ARE RESPONSIBLE FOR THE COST OF ANY
INSURANCE PURCHASED BY US. THE COST OF THIS INSURANCE MAY BE ADDED TO YOUR
LOAN BALANCE. IF THE COST IS ADDED TO THE LOAN BALANCE, THE INTEREST RATE ON
THE UNDERLYING LOAN WILL APPLY TO THIS ADDED AMOUNTY. THE EFFECTIVE DATE OF
COVERAGE MAY BE THE DATE YOUR PRIOR COVERAGE LAPSED OR THE DATE YOU
FAILED TO PROVIDE PROOF OF COVERAGE. THE COVERAGE WE PURCHASE MAY BE

Trustors” initialdV D /AP

10.

11.

CONSIDERABLY MORE EXPENSIVE THAN INSURANCE YOU CAN OBTAIN ON YOUR OWN AND
MAY NOT SATISFY ANY NEED FOR PROPERTY DAMAGE COVERAGE OR ANY MANDATORY
LIABILITY INSURANCE REQUIREMENTS IN OREGON.

a. Maintenance of Insurance. Trustor shall procure and maintain policies of fire insurance with standard extended

coverage endorsements on a replacement basis for the full insurable value covering all Improvements on the Real
Property in an amount not less than the total unpaid balance on the Agreement, and with a standard mortgagee clause
in favor of Lender. Policies shall be written in form, amounts, coverages and basis reasonably acceptable to Lender
and issued by a company or companies reasonably acceptable to Lender. Trustor, upon request of Lender, will
deliver to Lender from time to time the policies or certificates of insurance in form satisfactory to Lender. including
stipulations that coverages will not be canceled or diminished without at least ten (10) days prior written notice to
Lender.

Application of Proceeds. In the event that the Improvements are damaged or destroyed by casualty, Trustor shall
promptly restore the Improvements and Lender shall make the insurance proceeds available to Trustor for
restoration, subject to the following conditions: (a) Lender shall have reascnably determined that the Improvements
can be restored to as good or better condition as the Improvements were in immediately prior to the casualty on
account of which such proceeds were paid;

(b) Lender shall have determined that such net proceeds, together with any funds paid by Trustor to Lender, shall be
sufficient to complete the restoration; {¢) No default and no event of failure which, with the passage of time or the
giving of notice, would constitute a default under this Line of Credit Trust Deed shall have occurred; (d) At the time
of such casualty, there are at least two (2) years to the maturity date of the Note; (¢} Lender shall have approved the
plans and specifications to be used in connection with the restoration, which approval shall not be unreasonably
withheld, and shall have received written evidence, satisfactory to Lender, that such plans and specifications have
been approved by all governmental and quasi-governmental authorities having jurisdiction and by all other persons
or entities required to approve such plans and specifications; (f) Lender may require that the fimds be disbursed by it
or by a disbursement agent appointed by it in 2 manner similar to that utilized for the disbursement of funds under a
construction loan, including without limitation, requirement of certificates of architect as to percentage of
completion and the furnishing of appropriate mechanics and materialmen's lien walvers, the furnishing of
appropriate bonds and other items as reasonably required by Lender. Net proceeds in excess of the amount
necessary to complete the restoration shall, at the option of Lender, be applied to the ontstanding indebtedness as a
prepayment thereof.

Unexpired Insurance at Sale. Any unexpired insurance shall inure to the benefit of, and pass to, the purchaser of
the Property covered by this Line of Credit Trust Deed at any trustee's or other sale held under the provisions of this
Line of Credit Trust Desd, or at any foreclosure sale of such Property.

Trustor's Report on Insurance. Upon request of Lender, however not more than once a year, Trustor shall finish
to Lender a report on each existing policy of insurance showing: (a) the name of the insurer; (b) the risks insured;
{c) the amount of the poliey; (d} the property insured, the then current replacement value of such property, and the
manner of determining that value; and (¢) the expiration date of the policy.

EXPENDITURES BY LENDER. If Trustor fails to comply with any provision of this Line of Credit Trust Deed, or if
anty action or proceeding is commenced that would materially affect Lender's interest in the Property, Lender on Trustor's
behalf may, but shall not be required to pay all such expenses including but not limited to taxes, insurance and
maintenance costs, and at Lender's option, will (a) be payable on demand, or (b) be added to the principal loan balance
and be payable In accordance with the Agreement. This Line of Credit Trust Deed also will secure payment of these
amounts. The rights provided for in this paragraph shall be in addition to any other rights or any remedies to which
Lender may be entitled on account of the default. Any such action by Lender shall not be construed as curing the default
$0 as to bar Lender from any remedy that it otherwise would have had. i
WARRANTY:; DEFENSE OF TITLE. The following provisions relating to ownership of the Property are a part of this
Line of Credit Trust Deed.

a. Title. Trustor warrants that (2) Trustor holds good and marketable title of record to the Property in fee simple, free

C.

and clear of all liens and encumbrances other than those set forth in any policy of title insurance issued in favor of or
in any title opinion given to, and accepted by, Lender in connection with this Line of Credit Trust Deed and (b)
Trustor has the full right, power, and authority o execute and deliver this Line of Credit Trust Deed to Lender.
Defense of Title. Subject to the exceptions in the paragraph above, if any, Trustor warrants and will forever defend
the title to the Property against the lawful claims of all persons. In the event any action or proceeding is commenced
that questions Trustor's title or the interest of Trustee or Lender under this Line of Credit Trust Deed, Trustor shall
defend the action at its expense. Trustor may be the nominal party in such proceeding, but Lender shall be entitled
to participate in the proceeding and to be represented in the proceeding by counsel of its own choice, and Trustor
will deliver, or cause to be delivered, to Lender such instruments as may be requested by it from time to time to
permit such participation.

Compliance With Laws. Trustor warrants that its use of the Property complies with all existing applicable laws,
ordinances, and regulations of governmental authorities.

12. CONDEMNATION. The following provisions relating to proceedings in condemnation are a part of this Line of Credit
Trust Deed.
a. Application of Net Proceeds. If all or any part of the Property is condemned, Lender shall apply the net proceeds

of the award in any reasonable manner necessary to satisfy Trustor's obligations under the Agreement of this Line of
Credit Trust Deed. The net proceeds of the award shall mean the award after payment of all reasonable costs,
expenses, and atforney fees necessarily paid or incurred by Trustee or Lender in connection with the condemnation.
However, there shall be no obligation to pay Trustor's costs, expenses or attorney fees from such awards.
Proceedings. If any proceeding in condemnation is filed, Trustor shall promptly notify Lender in writing and
Trustor shall promptly take such steps as may be necessary to defend the action and obtain the award. Trustor may
be the nominal party in such proceeding, but Lender shall be entitled to participate in the proceeding and to be
represented in the proceeding by counsel of its own choice, and Trustor will deliver or cause to be delivered, to
Lender such instruments as may be requested by it from time to time to permit such participation.

13. IMPOSITION OF TAXES BY GOVERNMENTAL AUTHORITIES. The following provisions relating to taxes are
a part of this Trust Deed.

Trustors® initials L ED / Mb

a. Taxes Covered. The following shall constitute taxes to which this section appliss: (a) a specific tax upon this type

of Trust Deed or upon all or any part of the Indebtedness secured by this Trust Deed; (b) a specific tax on Borrower
which Borrower is authorized or required to deduct from payments on the Indebtedness secured by this type of Trust
Deed; (c) a tax on this type of Trust Deed chargeable against the Lender; and (d) a specific tax on all or any portion
of the Indebtedness or on payments of principal and interest made by a Borrower.

. Remedies. If any tax to which this section applies is enacted subsequent to the date of this Trust Deed Grantor shall

either (2) pay the tax before it becomes delinquent, or (b) contest the tax as provided above in the Taxes and Liens
section and deposit with Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender.

14. SECURITY AGREEMENT; FINANCING STATEMENTS. The following provisions relating to this Line of Credit

Trust Deed as a security agreement are a part of this Line of Credit Trust Deed.
a, Security Agreement. This instrument shall constitute a security agreement to the extent any of the Property

constitutes fixtures or other personal property, and Lender shall have all of the rights of a secured party under the
Uniform Commercial Code.

. Security Interest. Upon request by Lender, Trustor shall execute financing statements and take whatever other

action is requested by Lender to perfect and continue Lender's security interest in the Rents and Personal Property.
In addition to recording this Line of Credit Trust Deed in the real property records, Lender may, at any time and
without further authorization from Trustor, file executed counterparts, copies or reproductions of this Line of Credit
Trust Deed as a financing Statement. Trustor shall reimburse Lender for all expenses incurred in perfecting or
continuing this security interest. Upon default, Trustor shall assemble the Personal Property in a manner and at a
place reasonably convenient to Trustor and Lender and make it available to Lender within three (3) business days
after receipt of written demand from Lender.

. Addresses. The mailing address of Trustor (debtor) and the mailing address of Lender (secured party) from which

information concerning the security interest granted by this Line of Credit Trust Deed may be obtained (each as
required by the Uniform Commercial Code of the state where the Property is located) are as stated on the {irst page
of this Line of Credit Trust Deed.

15. FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following provisions relating to further assurances are a

part of this Line of Credit Trust Deed.
a Further Assurances. At any time, and from time to time, upon request of Lender, Trustor will make, execute and

deliver, or will cause to be made, executed or delivered, to Lender or to Lender's designee, and when requested by
Lender, cause to be filed, recorded, re~filed, or re-recorded, as the case may be, at such times and in such offices and
places as Lender may deem appropriate, any and all such mortgages, deeds of trust, security deeds, security
agreements, financing statements, continuation statements, instruments of further assurance, certificates, and other
documents as may, in the sole opinion of Lender, be necessary or desirable in order to effectuate, complete, perfect,
continue, or preserve (a) the obligations of Trustor under the Agreement, this Line of Credit Trust Deed, and the
Related Documents, and (b) the liens and security interests created by this Line of Credit Trust Deed on the Property,
whether now owned or hereafier acquired by Trustor. Unless prohibited by law or agreed to the contrary by Lender
in writing, Trustor shall reimburse Lender for all costs and expenses incurred in connection with the matters referred
to in this paragraph.

. Attorney-in-Fact. If Trustor fails to do any of the things referred to in the preceding paragraph, Lender may do so

for and in the name of Trustor and at Trustor's expense. For such purposes, Trustor hereby irrevocably appoints
Lender as Trustor's attorney-in-fact for the purpose of making, executing, delivering, filing, recording, and doing all
other things as may be necessary or desirable, in Lender's sole opinion, to accomplish the matters referred to in the
preceding paragraph.

16. FULL PERFORMANCE. If Trustor pays all the Indebtedness, including without limitation all future advances, when

17.

due and otherwise performs all the obligations imposed upen Trustor under this Line of Credit Trust Deed and the
Agreement, Lender shall execute and deliver to Trustee a request for full reconveyance and shall execute and deliver to
Trustor suitable statements of termination of any financing statement on file evidencing Lender's security interest in the
Rents and the Personal Property. Any reconveyance fee required by law shall be paid by Trustor, if permitted by
applicable law.
POSSIBLE ACTIONS OF LENDER. The Lender may take the following actions with respect to your Agreement
under the circumstances listed below:

a  Termination and Acceleration. Except as set forth in the Agreement the Lender may, without further notice

terminate your Agreement and require Trustor to pay the entire outstanding balance immediately, and charge Trustor
certain fees if any of the following happen: i) Trustor engages in any fraud or material misrepresentation in
connection with the Agreement. For example, if there are false statements or omissions on Trustor's application or
financial statements; ii} Trustor does not meet the repayment terms of the Agreement; iif} Trustor's actions or
inactions adversely affect the collateral or Lender's rights in the collateral. For example, if Trustor fails to: maintain
insurance, pay taxes; transfer title to or sell the collateral, prevent the foreclosure of any items, or waste of the
collateral.

. Suspension of Credit/Reduction of Credit Limit. Lender may refuse to make additional advances on the line of

credit or reduce the credit limit during any period in which the following exist or occur: 1} Any of the circumstances
listed in a., above; i) The value of Trustor's dwelling securing the Indebtedness declines significantly below its
appraised value for purposes of the Agreement; iii) Lender reasonably believes that Trustor wiil not be able to meet
the repayment requirements of the Agreement due to a material change in Trustor's financial circumstances; iv)
Trustor is in default under any material obligations of the Agreement and Line of Credit Trust Deed; v) Any
government action prevents Lender from imposing the annual percentage rate provided for or impairs Lender's
security interest such that the value of the interest is less than 120 percent of the credit line. vi) Lender has been
notified by government agency that continued advances would constitute an unsafe and unsound practice.

Change in Terms. The Agreement permits Lender to make certain changes to the terms of the Agreement at
specified times or upon the ccourrence of specified events. The Agreement also permits Lender to prohibit
additional extensions of credit or redoce the credit limit during any period in which the maximum annual percentage
rate is reached.

18. NOTICE OF DEFAULTY. In the event of a default under Paragraph 17.b.iv), Lender shall notify Borrower of the default

as required by applicable law. Notice shall be deemed to have been given when deposited in the United States mail,

Trustors’ initials M

19.

20.

21,

22.

postage fully prepaid, certified or return receipt requested and addressed to Borrower at the address listed above or to
such other address as may be designated by written notice from Borrower.

ACTIONS UPON TERMINATION. In the event the Agreement is terminated, Trustee or Lender, at its option, may.
not earlier than thirty (30) days after Trustor has been given written notice of the termination, exercise any one or more
of the following rights and remedies, in addition to any other rights or remedies provided by law.

a Foreclosure. With respect to all or any part of the Real Property, the Trustee shall have the right to foreclose by
notice and sale, and Lender shall have the right to foreclose by judicial foreclosure, in either case in accordance with
and to the full extent provided by applicable law. Nothing contained herein shall be construed to limit the right of
Lender to foreclose this Trust Deed by judicial action or by exercise of the power of sale or to bring a separate action
on the indebtedness secured hereby, whether before or after foreclosure of this Trust Deed.

b. UCC Remedies. With respect to all or any part of the Personal Property, Lender shall have all the rights and
remedies of a secured party under the Uniform Commercial Code.

c. Collect Rents. Lender shall have the right, without notice to Trustor, to take possession of and manage the Property
and collect the Rents, including amounts past due and unpaid, and apply the net proceeds, over and above Lender's
costs, against the Indebtedness. In furtherance of this right, Lender may require any tenant or other user of the
Property to make payments of rent or use fees directly to Lender. If the Rents are collected by Lender, then Trustor
irrevocably designates Lender as Trustor's attorney in fact to endorse instruments received in payment thereof in the
name of Trustor and to negotiate the same and collect the proceeds. Payments by tenants or other users to Lender in
response to Lender's demand shall satisfy the obligations for which the payments are made, whether or not any
proper grounds for the demand existed. Lender may exercise its rights under this subparagraph either in person, by
agent, or through a receiver.

d. Appoint Receiver. Lender shall have the right to have a receiver appointed to take possession of any or all of the
Property, with the power to protect and preserve the Property, to operate the Property preceding foreclosure or sale,
and to collect the Income from the Property and apply the proceeds, over and above cost of the receivership, against
the Indebtedness. The receiver may serve without bond if permitted by law. Lender’s right to the appointment of a
receiver shall exist whether or not the apparent value of the Property exceeds the Indebtedness by a substantial
amount. Employment by Lender shall not disqualify a person from serving as a receiver.

e. Other Remedies. Trustee or Lender shall have any other right or remedy provided in this Line of Credit Trust Deed
or the Agreement or by law.

f. Notice of Sale. Lender shall give Trustor reasonable notice of the time and place of any public sale of the Personal
Property or of the time after which any private sale or other intended disposition of the Personal Property is to be
made. Reasonable notice shall mean notice given at least ten (10) days before the time of the sale or disposition.
Any sale of Personal Property may be made in conjunction with any sale of the Real Property.

g. Sale of the Property. To the extent permitted by applicable law, Trustor hereby waives any and all rights to have
the Property marshaled. In exercising its rights and remedies, the Trustee or Lender shall be free to sell all or any
part of the Property together or separately, in one sale or by separate sales. Lender shall be entitled to bid at any
public sale on alf or any portion of the Property.

WAIVER; ELECTION OF REMEDIES. A waiver by any party of a breach of a provision of this Line of Credit Trust
Deed shall not constitute a waiver of or prejudice the party's rights otherwise to demand strict compliance with that
provision or any other provision. Election by Lender to pursue any remedy provided in this Line of Credit Trust Deed,
the Agreement. in any Related Document, or provided by law shall not exclude pursuit of any other remedy, and an
election to make expenditures or to take action to perform an obligation of Trustor under this Line of Credit Trust Deed
after failure of Trustor to perform shall not affect Lender's right to declare a default and to exercise any of its remedies.
ATTORNEY FEES; EXPENSES. IfLender institutes any suit or action to enforce any of the terms of this Line of
Credit Trust Deed, Lender shall be entitled to recover such sum as the court may adjudge reasonable as attorney fees at
trial and on any appeal. Whether or not any court action is involved, all reasonable expenses incurred by Lender which in
Lender's opinion are necessary at any time for the protection of its interest or the enforcement of its rights shall become a
part of the Indebtedness payable on demand and shall bear interest at the Note rate or default rate, whichever is higher,
from the date of expenditure until repaid. Expenses covered by this paragraph include, without limitation however
subject to any limits under applicable law, Lender's attorney fees whether or not there is a lawsuit, including attomey
fees for bankruptey proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals and any
anticipated post-judgment collection services. the cost of searching records, obtaining title reports (including foreclosure
reports), surveyors' reports, appraisal fees, title insurance, and fees for the Trustee, to the extent permitted by applicable
law. Trustor also will pay any court costs, in addition to all other sums provided by law. In the event of foreclosure of
this Line of Credit Trust Deed, Lender shall be entitled to recover from Trustor Lender's attorney fees and actual
disbursements necessarily incurred by Lender in pursuing such foreclosure.

RIGHTS AND DUTIES OF TRUSTEE. Trustee shall have all of the following rights and duties:

a. Power of Trustee. In addition to all powers of Trustee arising as a matter of law, Trustee shall have the power to
take the following actions with respect to the Property upon the request of Lender and Trustor: (a) join in preparing
and filing 2 map or plat of the Real Property, including the dedication of streets or other rights to the public; (b) join
in granting any sasement or creating any restriction on the Real Property; and (c) join In any subordination or other
agreement affecting this Line of Credit Trust Deed or the interest of Lender under this Line of Credit Trust Deed. In
the event of default, Lender may execute or cause the Trustee to execute a written notice of such default and of its
election to cause to be sold the Property to satisfy the obligations secured hereby, and may cause such notice to be
recorded in the office of the recorder for the recording district in which said property or some part thereof is located.
Notice of sale having been given as then required by law and not less than the time then required by law having
elapsed after recordation of such notice of default, Trustee, without demand cn Borrower, shall sell said property at
the place provided by law and at the time fixed by Trustee in said notice of sale. either as a whole or in separate
parcels and in such order as it may determine, at public auction to the highest and best bidder for cash in lawful
money of the United States, payable at the time of sale.

b. Obligations to Notify. Trustee shall not be obligated to notify any other party of a pending sale under any other
trust deed or lien, or of any action or proceeding in which Trustor, Lender, or Trustee shall be a party, unless the
action or proceeding is brought by Trustee.

¢. Trustee. Trustee shall meet all qualifications required for Trustee under applicable state law. In addition to the
rights and remedies set forth above, with respect to all or any part of the Property, the Trustee shall have the right to

Trustors® initialsm

foreclose by notice and sale, and Lender shall have the right to foreclose by judicial foreclosure, in either case in
accordance with and to the full extent provided by applicable law.

Successor Trustee. Lender, at Lender's option, may from time to time appoint a successor trustee to any Trustee
appointed hereunder by an instrument executed and acknowledged by Lender and recorded in the office of the
Recorder of the County where the property is now located. The instrument shail contain, in addition to all other
matters required by state law, the names of the original Lender, Trustee, and Trustor, the book and page where this
Line of Credit Trust Deed is recorded, and the name and address of the successor trustee, and the instrument shali be
executed and acknowledged by Lender or its successors in interest. The successor trustee, without conveyance of
the Property, shall succeed to all the title, powers, and duties conferred upon the Trustee in this Line of Credit Trust
Deed and by applicable law. This procedure for substitution of Trustee shall govern to the exclusion of all other
provisions for substitution.

Sale by Trustee. When the Trustee sells pursuant to the powers provided, Trustee shall apply the proceeds of sale to
payment of (1) the expenses of sale, including the lawful fees of the Trustze and the reasonable fees of Trustee's
attorney, (2) the obligations secured by this Trust Deed, (3) to all persons having recorded liens subsequent to the
interest of the Beneficiary and the Trust Deed as their interest may appear in the order of their priority and (4) the
surplus, if any, to the Trustor or to his successor in interest entitled to such surplus. Trustee may postpone the sale of
all or any portion of said property by public announcement at the time and place of sale, and from time to time
thereafter may postpone such sale by public announcement at the time and place fixed by the preceding
postponement. Trustee shall deliver to the purchaser its deed conveying the property sold, but without any covenant
or warranty, express or implied. The recitals in such deed of any matters or facts shall be conclusive proof of the
truthfulness thereof. Any person, including Borrower or Trustee, as hereunder defined, or Lender, may purchase at
such sale.

23. NOTICES TO TRUSTOR AND OTHER PARTIES. Any notice under this Line of Credit Trust Deed, including
without limitation any notice of default and any notice of sale to Trustor, shall be in writing and shall be effective when
actually delivered or, if mailed, shall be deemed effective when deposited in the United States mail first class or
registered mail, postage prepaid, directed to the addresses shown at the top of page one (1). Any party may change its
address for notices under this Line of Credit Trust Deed by giving formal written notice to the other parties, specifying
that the purpose of the notice is to change the party's address. All copies of notices of foreclosure from the holder of any
lien which has priority over this Line of Credit Trust Deed shall be sent to Lender's address, as shown near the top of the
first page of this Line of Credit Trust Deed. For notice purposes, Trustor agrees to keep Lender and Trustee informed at
all times of Trustor's current address.

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Line of Credit Trust
Deed.

24,

a.

b.

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Amendments. No alteration or amendment of this Line of Credit Trust Deed shall be effective unless given in
writing and signed by the party or parties sought to be charged or bound by the alteration or amendment.

Annual Reports. Trustor shall furnish to Lender, upon request, a statement of net cash profit received from the
Property during Trustor's previous fiscal year in such detail as Lender shall require. "Net cash profit” shall mean all
cash receipts from the Property less all cash expenditures made in connection with the operation of the Property.
Applicable Law. This Line of Credit Trust Deed shall be governed by and construed in accordance with the laws of
the State of Oregon.

Caption Headings. Caption headings in this Line of Credit Trust Deed are for convenience purposes only and are
not to be used to interpret or define the provisions of this Line of Credit Trust Deed.

Entire Agreement. The parties agree that this Line of Credit Trust Deed, together with any Related Documents,
constitutes the entire understanding and agreement of the parties as to the matters set forth in this Line of Credit
Trust Deed and supersede any prior agreements between Borrower and Lender relating to the Property.

Merger. There shall be no merger of the interest or estate created by this Line of Credit Trust Deed with any other
interest or estate in the Property at any time held by or for the benefit of Lender in any capacity, without the written
consent of Lender.

Mulitiple Parties. All obligations of Trustor under this Line of Credit Trust Deed shall be joint and several, and all
references to Trustor shall mean each and every Trustor. This means that each of the persons signing below is
responsible for all obligations in this Line of Credit Trust Deed. It is not necessary for Lender to inguire into the
powers of any of the parties or of the officers, directors partners, or agents acting or purporting to act on behalf of
Trustor, and any indebtedness made or created in reliance upon the professed exercise of such powers shall be
guaranteed under and secured by this Line of Credit Trust Deed.

Severability. If a court of competent jurisdiction finds any provision of this Line of Credit Trust Deed to be invalid
or unenforceable as to any person or circumstance, such finding shall not render that provision invalid or
unenforceable as to any other persons or circumstances, and all provisions of this Line of Credit Trust Deed in all
other respects shall remain valid and enforceable.

Successors and Assigns. Subject to the limitations stated in this Line of Credit Trust Deed on transfer of Trustor's
interest, this Line of Credit Trust Deed shall be binding upon and inure to the benefit of the parties, their successors,
and assigns. If ownership of the Property becomes vested in a person other than Trustor, Lender, without notice to
Trustor, may deal with Trustor's successors with reference to this Line of Credit Trust Deed and the Indebtedness by
way of forbearance or extension without releasing Trustor from the obligations of this Line of Credit Trust Deed or
liability under the Indebtedness.

Time is of the Essence. Time is of the essence in the performance of this Line of Credit Trust Deed.

Waiver of Homestead Exemption. Trustor hereby releases and waives all rights and benefits of the homestead
exemption laws of the State of Oregon as to all Indebtedness secured by this Line of Credit Trust Deed.

Trustors” initials }g@/ §!§n

EACH TRUSTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS LINE OF CREDIT
TRUST DEED, AND EACH TRUSTOR AGREES TO I'TS TERMS.

TRUSTOR(S):

By: MACKENZIE A DYKE By: NETAIA DYKE /

INDIVIDUAL ACKNOWLEDGMENT
STATE OF OREGON

County of DESCHUTES

This is to certify that onthe 24TH day of FEBRUARY =~ 2026  before me the undersigned Notary Public in
and for the State of Oregon, duly commissioned and sworn as such, personally appeared:
MACKENZIE A DYKE
NETAIA DYKE

known to me to be said individual(s) that executed the Line of Credit Trust Deed and acknowledged the Line of Credit Trust
Deed to be the free and voluntary act of his/her/their will, by authority of statute, for the uses and purposes therein
mentioned, and on oath stated that he/she/they was/were authorized to execute this Line of Credit Trust Deed and in fact
executed the Line of Credit Trust Deed.

OFFICIAL STAMP
Witness my hand and official seal the day and year last above written. itk ROBYN C DUEKER
NOTARY PUBLIC-OREGON
Notary Public in and for the State of Oregon 3 COMMISSION NO 1028974
MY COMMISSION EXPIRES QCTCBER 6, 2026 4
My comumission expifes; /? “4;26.3__5

Mid Oregon CU—-NMLS: 472178
Mortgage Loan Officer Name: Ashley Viaskamp
Mortgage Loan Officer #: 2349142

REQUEST FOR FULL RECONVEYANCE
(Yo be used only when obligations have been paid in full)

To Trustee:

The undersigned is the legal owner and holder of all Indebtedness secured by this Line of Credit Trust Deed. All sums
secured by this Line of Credit Trust Deed have been fully paid and satisfled. You are hereby directed, upon payvment to you
under the terms of this Line of Credit Trust Deed or pursuant to any applicable statute, to cancel the Agreement secured by
this Line of Credit Trust Deed (which is delivered to you together with this Line of Credit Trust Deed), and to reconvey,
without warranty, to the parties designated by the terms of this Line of Credit Trust Deed, the estate now held by you under
this Line of Credit Trust Deed. Please mail the reconveyance and Related Documents to:

DATE:

Beneficiary: Mid Oregon Credit Union

By:

Its:

Trustors’ initials ND /D