First American Title_1368(04 S A 2026-003495 Klamath County, Oregon 04/21/2026 09:25:02 AM Until a change is requested all tax statements Fee: $132.00 should be sent to the following address. WHEN RECORDED MAILTO Shenita Murray/Symmetry Lending 6600 Peachtree Dunweody Rd. Building 800, Suite 120 Atlanta, GA 30328 Attn.: SHIPPING DEPT./DOC. CONTROL TAX ACCOJUNT NUMBER 3909-011AC-07700 True and Actual Consideration is: $115,000.00 [Space Above This Line For Recording Data] LINE OF CREDIT TRUST DEED Max Principal Amount: $115,000.00 Term: 30 years THIS TRUST DEED, dated April 13, 2026, is between Andreas Achleithner and Sarah M. Achleithner, as tenants by the entirety residing at 3615 Birddog Drive, Klamath Falls, OR 97603 the person or persons signing as “Grantor{s)” below and hereinafter referred to as “we” or “us” and as trustee and George C. Reinmiller, Trustee, Inc., hereinafter referred to as the “Trustee,” with an address at 521 SW Clay, Suite 200, Portland, OR 97201 for the benefit of GTE Federal Credit Union dba GTE Financial with an address at 711 East Henderson Ave, Tampa, FL 33602 and hereinafter referred to as “you” or the “Beneficiary.” The following Riders are to be executed by Borrower [check box as applicable): ] 1-4 Family Rider ] Condominjum Rider [ Other(s) [specify] [J Second Home Rider & Planned Unit Development Rider PREMISES: In consideration of the loan hereinafter described, we hereby mortgage, grant and convey to the Trustee the premises located at: 3515 Birddog Drive [Street] Klamath Falls [Municipality], KLAMATH [County], OR [State], 97603 [Zip] (the “Premises”). and further described as: SEE ATTACHED EXHIBIT A" Parcel Id: 3909-011AC-07700 HELGC SECURITY INSTRUMENT - Oregon 11/2023 Page lof 7 Powered by Docu Prep Inc. 2026 & 26529 0 A 0 0 0 000 O A O apecH00d01240892662900704232826 The Premises includes all buildings and other improvements now or in the future on the Premises and all rights and interests which derive from our ownership, use or possession of the Premises and all appurtenances thereto. TERM: The maximum term of the Note is 30 years, including any renewals or extensions thereof. LOAN: The Trust Deed will secure your loan in the principal amount of $115,000.00 or so much thereof as may be advanced and readvanced from time to time to Andreas Achleithner and Sarah M, Achleithner the Borrower(s} under the Home Equity Line of Credit Agreement and Truth in Lending Disclosure and the Home Equity Addendum (collectively the "Note™) dated April 13, 2026, (which is a consumer revolving loan agreement) plus interest and costs, late charges and all other charges related to the loan, all of which sums are repayable according to the Note. We agree that all loans made pursuant to the terms and conditions of the Note shall be considered loans made to us or for our benefit, even if we did not sign the Note and even if we did not request the loan. This Trust Deed will also secure the performance of all of the promises and agreements made by us and each Borrower and Co-Signer in the Note, all of our promises and agreements in this Trust Deed, any extensions, renewals, amendments, supplements and other modifications of the Note, and any amounts advanced by you under the terms of the section of this Trust Deed entitled “Our Authority To You.” Loans under the Note may be made, repaid and remade from time to time in accordance with the terms of the Note and subject to the Credit Limit set forth in the Note, for a period not to exceed 5 years from the date of the Note. The Note provides for a variable rate of interest/ Annual Percentage Rate, which consists of the highest prime rate published in the Wall Street Journal plus a margin, as further described in the Note. The Draw Period is 5 years. At the Mortgagee’s option, the draw period may be extended, but the term of 30 years from the date of the Note will not be exceeded. OWNERSHIP: We are the sole owner{s) of the Premises. We have the legal right to mortgage, grant and convey the Premises to the Trustee. BORROWERS IMPORTANT OBLIGATIONS: 1. TAXES: We will pay all real estate taxes, assessments, water charges and sewer rents refating to the Premises when they become due. We will not claim any credit on, or make deduction fram, the loan under the Note because we pay these taxes and charges. We will provide you with proof of payment upon request. 2. MAINTENANCE: We will maintain the building(s) on the Premises in good condition. We will not make major changes in the building(s) except for normal repairs. We will not tear down any of the building(s) on the Premises without first getting your consent. (We will not conduct or permit any nuisance or waste on or to the Premises.) We will not use the Premises illegally. if this Trust Deed is on a unit in a condominium or a planned unit development, we shall perform all of our obligations under the declaration or covenants creating or governing the condominium or planned unit development, the by-laws and regulations of the condominium or planned unit development and constituent documents. 3. REHABILITATION LOAN AGREEMENT: We shall fulfili all of our obligations under any HELOC SECURITY INSTRUMENT - Oregon 11/2023 Pege20f 7 Powered by Docu Prep Inc, 2026 & 26829 U0 0 0 0 0 A A R TS A LA O REGEAA AR d 00H3000801220892662900704132026 home rehabilitation, improvement, repair, or other loan agreement which we may enter into with you. At the Mortgagee’s option, you may require us to execute and deliver to you, in a form acceptable to you, an assignment of any rights, claims or defenses which we may have against parties who supply labor, materials or services in connection with improvements made to the Premises, 4, INSURANCE: We will keep the building(s) on the Premises insured at all times against ioss by fire, flood and any other hazards you may specify. We may choose the insurance company, but our choice is subject to your reasonable approval. The policies must be for at least the amounts and the time periods that you specify. We will deliver to you upon your request the policies or other proof of the insurance. The policies must name you as “mortgagee” and “loss-payee” so that you will receive payment on all insurance claims, to the extent of your interest under this Trust Deed, before we do. The insurance policies must also provide that you be given not less than 10 days prior written notice of any cancetlation or reduction in coverage, for any reason. Upon request, we shall deliver the policies, certificates or other evidence of insurance to you. In the event of loss or damage to the Premises, we will immaediately notify you in writing and file a proof of loss with the insurer. You may file a proof of loss on our behalf if we fail or refuse to do so. You may also sign our name to any check, draft or other order for the payment of insurance proceeds in the event of loss or damage to the Premises. If you receive payment of a claim, you will have the right to choose to use the money either to repair the Premises or to reduce the amount owing on the Note, 5. CONDEMNATION: We assign to you the proceeds of any award or claim for damages, direct or conseguential, in connection with any condemnation or other taking of the Premises, or part thereof, or for conveyance in lieu of condemnation, all of which shall be paid to you, subject to the terms of any Prior Trust Deed or Deed of Trust. 6. SECURITY INTEREST: We will join with you in signing and filing documents and, at our expense, in doing whatever you believe is necessary to perfect and continue the perfection of your lien and security interest in the Premises. 7. OURAUTHORITY TO YOU: if we fail to perform our obligations under this Trust Deed, or if any action or proceeding is commenced which materially affects your interest in the Property, then you, at your option, upon notice to us, may make such appearances, disburse such sums, including reasonable attorneys’ fees, and take such action as is necessary to protect your interest. You may, if you choose, perform our obligations and pay such costs and expenses. You will add the amounts you advance to the sums owing on the Note, on which you will charge interest at the variable interest rate set forth in the Note. If, for example, we fail to honor our promises to maintain insurance in effect, or to pay filing fees, taxes or the costs necessary to keep the Premises in good condition and repair or to perform any of our other agreements with you, you may, if you choose, advance any sums to satisfy any of cur agreements with you and charge us interest on such advances at the variable interest rate set forth in the Note. This Trust Deed secures all such advances. Your payments on our behalf will not cure our failure to perform cur promises in this Trust Deed. Any replacement insurance that you obtain to cover loss or damages to the Premises may be limited to the amount owing on the Note plus the amount of any Prior Trust Deed or Deeds of Trust. 8 PRIOR MORTGAGE; DEEDS OF TRUST; CHARGES; LIENS: We will perform all of our obligations under any mortgage, deed of trust or other security agreement with a lien which has priority over this Deed of Trust, including our covenants to make payments when due. We HELOC SECURITY INSTRUMENT - Qregon 11/2023 Poge 3of 7 Powered by Docu Prep Inc. 2026 & 26629 V00 0 O 0 00 0 0 1 0 00O A A R 40e2e8008124839266250D704132026 shall pay or cause to be paid all taxes, assessments and other charges, fines and impositions attributable to the Premises which may attain a priority over this Deed of Trust, and {easehold payments or ground rents, if any. Within five days after any demand by you, we shall exhibit to you receipts showing all amounts due under this paragraph have been paid when due. We will not enter into any agreement with the holder of any mortgage, deed of trust or other security agreement which has priority over this Deed of Trust by which that security agreement is modified, amended, extended, or renewed, without your pricr written consent. We shall neither request nor accept any future advance under a prior mortgage, deed of trust, or other security agreement without your prior written consent. 9. HAZARDOUS SUBSTANCES: We shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous Substances on or in the Premises. We shall not do, nor allow anyone else to do, anything affecting the Premises that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Premises of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Premises. As used in this paragraph, “Hazardous Substances” are those substances defined as toxic or hazardous substances by Enviropmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph, “Environmental Law” means federal laws and laws of the jurisdiction where the Premises are located that relate to health, safety or environmental protection. 10. SALE OF PREMISES: We will not sell, transfer ownership of, mortgage or otherwise dispose of our interest in the Premises, in whole or in part, or permit any other lien or claim against the Premises without your prior written consent. 11. TRANSFER OF THE PROPERTY: Subject to applicable law, you shall have the right to accelerate, that is, to demand immediate payment in full of all sums secured by this Mortgage or Deed of Trust, if we, without your written consent, sells or transfers all or part of the Property or any rights in the Premises. If you exercise the option to accelerate, you shall give us notice of acceleration in accordance with paragraph (19) hereof. The notice shall provide a period of not less than 30 days from the date of the notice within which we may pay the sums declared due. If we fail to pay those sums prior to the expiration of such period, you may, without further notice or demand on us, invoke any remedies permitted by paragraph (14} herecf. 12, INSPECTION: We will permit you to inspect the Premises at any reasonable time. 13. NO LOSS OF RIGHTS: The Note and this Trust Deed may be negotiated or assigned by you without releasing us or the Premises. You may add or release any person or property obligated under the Note and this Trust Deed without losing your rights in the Premises. 14, DEFAULT; TERMINATION AND ACCELERATION; REMEDIES: Except as may be prohibited by applicable law, each of the following events shall constitute an event of default (“event of default”} under this Deed of Trust: (a) We commit fraud or make a material misrepresentation in connection with this Deed of Trust or the Credit Agreement; {b} We do not meet the repayment terms of the Credit Agreement; or (c) Our action or inaction adversely affects your rights in the Premises secured by this Deed of Trust. If an event of default occurs, then prior to exercising any right or remedy provided for in this Deed of Trust and prior to acceleration, you shail give us notice as provided in paragraph 13 hereof specifying: {1)the event of default; {2) the action required to cure such event of default; (3) a date, not less than 10 days from HELOL SECURITY INSTRUMENT - Oregon 11/2023 Pogedoft? Powered by Docu Prep Inc. 2026 5 26629 AT O A1 0 O G o A 0000000081248892662900704132028 the date the notice is mailed to us, by which such event of default must be cured; and {4} that failure to cure such event of default on or before the date specified in the notice may result in acceleration of the sums secured by this Deed of Trust and foreclosure or sale of the Premises. The notice shall further inform us of the right to reinstate after acceleration and the right to assert in court the nonexistence of an event of default or any other defense of us to acceleration and foreclosure or sale. If the event of default is not cured on or before the date specified in the notice, you, at your option, may declare all of the sums secured by this Deed of Trust to be immediately due and payable without further demand and may invoke any of the remedies permitted by applicable law, This means that you may arrange for the Premises to be sold, as provided by law, in order to pay off what we owe on the Note and under this Deed of Trust. If the money you receive from the sale is not enough to pay off what we owe you, we will still owe you the difference which you may seek to collect from us in accordance with applicable law. In addition, you or the Trustee may, in accordance with applicable law, (i) enter on and take possession of the Premises; (i) coliect the rental payments, including over-due rental payments, directly from tenants; (iii} manage the Premises; and (iv} sign, cancel and change leases. We agree that the variable interest rate set forth in the Note will continue before and after a default, entry of a judgment and foreclosure or public sale. In addition, you shall be entitled to collect all reasonable fees and costs actually incurred by you in proceeding to foreclosure or to public sale, including, but not limited to, trustee’s fees, reasonable attorneys’ fees {(whether or not there is a judicial proceeding) and costs of documentary evidence, abstracts and title reports. 15. BORROWER'S RIGHT TO REINSTATE: Not withstanding your acceleration of the sums secured by this Deed of Trust due to our default, we shall have the right to have any proceedings begun by you to enforce this Deed of Trust discontinued at any time prior to entry of a judgment enforcing this Deed of Trust if; {a} We pay you all sums which would be then due under the Deed of Trust and the Credit Agreement had no acceleration occurred; (b) We cure all events of default; (c) We pay all reasonable expenses incurred by you in enforcing the covenants and agreements contained in the Deed of Trust, and in enforcing your remedies as provided in paragraph {l4) hereof, including, but not limited to reasonable attorneys’ fees and court costs; and (d) We take such action as you may reasonably require to assure that the lien of this Deed of Trust, your interest in the Premises and our obligation to pay the sums secured by this Deed of Trust shall continue unimpaired. Upon such payment and cure by us, this Deed of Trust and the obligations secured hereby shall remain in full force and effect as if no acceleration had occurred. 16. WAIVERS: To the extent permitted by applicable law, we waive and release any error or defects in proceedings to enforce this Deed of Trust and hereby waive the benefit of any present or future laws providing for stay of execution, extension of time, exemption from attachment, levy and sale and homestead exemption. We hereby waive, to the full extent permitted by law, statutes of limitation as a defense to any demand or obligation secured by this Deed of Trust. 17. BINDING EFFECT: Each of us shall be fully responsible for all of the promises and agreements in this Trust Deed. Until the Note has been paid in full and your obligation to make further advances under the Note has been terminated, the provisions of this Trust Deed will be binding on us, our legal representatives, our heirs and all future owners of the Premises. This Trust Deed is for your benefit and for the benefit of anyone to whom you may assign it. Upon MELOC SECURITY INSTRUMENT - Oregon 1142023 Page50f 7 Powered hy Docu Prep Inc, 2026 & 26629 |0 0 00 0L 0 0 0 $080B200012408526629068704132026 payment in full of all amounts owing to you under the Note and this Trust Deed, and provided any obligation to make further advances under the Note has terminated, this Trust Deed and your rights in the Premises shall end. 18. NOTICE: Except for any natice required under applicable law to be given in another manner, {a) any notice to us provided for in this Trust Deed shall be given by delivering it or by mailing such notice by regular first class mail addressed to us at the last address appearing in your records or at such other address as we may designate by notice to you as provided herein, and (b} any notice to you shall be given by certified mail, return receipt requested, to your address at 711 East Henderson Ave, Tampa, FL 33602 or to such other address as you may designate by notice to us. Any notice provided for in this Trust Deed shall be deemed to have been given to us or you when given in the manner designated herein. 18. RELEASE: This Deed of Trust secures a revolving line of credit and advances may be made, repaid, and remade from time to time, under the terms of the Credit Agreement. When we {1) have paid all sums secured by this Deed of Trust and (2) have requested that the revolvirig line of credit be canceled, you shall discharge this Deed of Trust. To the extent permitted by law, you may charge us a fee for such discharge and require us to pay costs of recordation, if any. 20. SEVERABILITY: If any provision in this Trust Deed is held invalid or unenforceable, the remaining provisions shall continue in full force and effect. 21. GENERAL:You (or the Trustee) can waive or delay enforcing any of your rights under this Trust Deed without losing them. Any waiver by you of any provisions of this Trust Deed will not be a watver of that or any other provision on any other occasion. 22. SUBSTITUTE TRUSTEE: Beneficiary may, from time to time, appoint a successor trustee by an irstrument executed and acknowledged by Beneficiary and recorded in the county in which this Trust Deed is recorded, and upon such recordation the successor trustee shall become vested with the same powers, rights, duties and authority of the Trustee with the same effect as if originatly made Trustee hereunder. 23. MERGER: There shall be no merger of the interest or estate created by this Trust Deed with any other estate or interest in the Premises at any time held by you or for your benefit without your written consent. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Ri i corded with it. (Seal) dreas Achleithner - Borrower {Seal) - Borrower HELOC SECURITY INSTRUMENT - Qregon 112023 Page 5 of 7 Powered by Docu Prep Inc, 2026 & 26629 o 00 01O 0 . 1 0 0 000 A A O QB0BRR0D01240852662500704132028 [Space Below This Line For Acknowledgment] STATE OF OREGON, KLAMATH County ss: ‘Ronald James Crews - Hotary Public Before me on this day personally appeared Andreas Achleithner and Sarah M. Achleithner known to me to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he/she/they executed the same for the purposes and consideration therein expressed. Given under my hand and seal of office this /e day of ALt Fpale OFFICIAL STAMP RONALD JAMES CREWS a NOTARY PUBLIC - OREGON STRETY ennaSSION NO. 1063508 N COMMISSION EXPIRES 110372029 My Commission Expires: ,I//?’ /Q@?? GTE Federal Credit Union dba GTE Financial NMLS: 477712 CMG Mortgage, inc. NMLS: 1820 Tracy Derise Ricketts NMLS: 1931924 Symmetry Lending, LLC NMLS: 1725404 HELOC SECURITY INSTRUMENT - Oregon 11/2023 Page Tof 7 pPowered by Bocu Prep Inc. 2026 & 26629 A 0 A 00 0000 00O 0 R 0020B00001240852662600704132026 Planned Unit Development Rider THIS PLANNED UNIT DEVELOPMENT RIDER is made this 13th day of April, 2026, and is incorperated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the “Security Instrument”) of the same date, given by the undersigned (the “Borrower”) to secure Borrower’s Note to GTE Federal Credit Union dba GTE Financial {the “Lender”} of the same date and covering the Property described in the Security Instrument and located at: 3515 Birddog Drive, Klamath Falls, OR 87603 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in Covenants, Conditions and Restrictions (the “Declaration”). The Property is a part of a planned unit development known as Pheasant Run [Name of Planned Unit Development] {the “PUD”). The Property also includes Borrower’s interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the “Owners Association”) and the uses, benefits and proceeds of Borrower’s interest. PUD COVENANTS. in addition to the covenants and agreements made in the Security Instrument, Barrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower’s obligations under the PUD’s Constituent Documents. The “Constituent Documents” are the (i) Declaration; (i} articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; and {iii) any by-laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a “master” or “blanket” policy insuring the Property which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels}, for the periads, and against loss by fire, hazards included within the term “extended coverage,” and any other hazards, including, but not limited to, earthquakes and floods, for which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (i) Borrower’s obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt natice of any lapse in required property insurance coverage provided by the master or blanket policy. HELQC - PUD Rider 112023 Poge 2 of 2 Powared by Docu Prep Inc. 2026 & 27089 0 A 0 O 0 D0 L O OO GLRUEBEER1 2408 ZTRRE00204232026 In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, or to common areas and facilities of the PUD, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security instrument, whether or not then due, with the excess, if any, paid to Borrower. C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to insure that the Owners Association maintains a public {iability insurance policy acceptable in form, amount, and extent of coverage to Lender. D. Condemnation. The proceeds of any award or claim for damages, direct or consequential, payable to Borrower in connection with any condemnation or other taking of all or any part of the Property or the common areas and facilities of the PUD, or for any conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be applied by Lender to the sums secured by the Security Instrument as provided in Section 11. E. Lender’s Prior Consent. Borrower shall not, except after notice to Lender and with Lender’s prior written consent, either partition or subdivide the Property or consent to: (i} the abandonment or termination of the PUD, except for abandonment or termination required by law in the case of substantial destruction by fire or other casualty or in the case of a taking by condemnation or eminent domain; {ii) any amendment to any provision of the “Constituent Documents” if the provision is for the express benefit of Lender; (iii} termination of professional management and assumpticn of self-management of the Owners Association; or (iv) any action which would have the effect of rendering the public liability insurance coverage maintained by the Owners Association unacceptable to Lender. F. Remedies. If Borrower does not pay PUD dues and assessments when due, then Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable, with interest, upon notice from Lender to Borrower requesting payment. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this /0% A llefrey, Date chierthner Date GTE Federal Credit Union dba GTE Financial NMLS: 477712 CMG Mortgage, Inc. NMLS: 1820 Tracy Denise Ricketts NMLS: 1831924 Symmetry Lending, LLC NMLS: 1725404 HELGC - PUD Rider 1112023 Poge2 of 2 Pawered by Docu Prep Inc. 2028 & 27039 0000 0 ORS00 000 0 0 O R 2800EI0001246882708800204232026 EXHIBIT A LEGAL DESCRIPTION: Real property in the County of Klamath, State of Cregon, described as follows: Lot 52 in Tract 1473 - Pheasant Run, according to the Official Plat thereof on file in the Office of the County Clerk, Klamath County, Oregon. A.P.N.: 893354