2026-003596

Klamath County, Oregon
04/24/2026 08:26:02 AM

Fee: $127.00
When recorded, return to:
Rogue Cradit Union
1370 Center Drive
Medford, OR 97501
LOAN #: 6005975644
LINE OF CREDIT
TRUST DEED
{Securing Future Advances)
THIS DEED OF TRUST is made on April 21, 2026, The grantor is JOSE VICENTE TRUJILLD.

The trustee is First American Data Tree.

{‘Trusiee™). The beneficiary is Rogue Credit Union, a State Chartered Credit Union,

whose address is 1370 Center Drive
Medford, OR 97501

In this Deed of Trust. the terms "you," "your” and “yours™ refer to the grantor(s). The terms “we,” “us™ and “our” refer to
the bencficiary.

Pursuant to a Home Equity Line of Credit Agreement dated the same date as this Degd of Trust ("Agreement”}, you
may incur maximum unpaid loan indebtedness (exciusive of interest thereon) in amounis fluctualing from fime to time
up to the maximurm principal sum outstandging at any time of FIFTY FIVE THOUSAND AND NO/ Q0 ** #*+sses s

G?:&ta“tai'!!i:*aknnttat!nla*g?'**ka-aeih!ttinic?_&?qa_g*asa*aknouars[us sssonon? )
4 NN A 18 .

The Agreement pravides for & final scheduled installment due and payable not kater than May 18, 2041.

You agree that this Deed of Trusi shall continue fo secure all sums now or hereafter advanced under the terms of
the Agreement including, without limitation, such sums that are advanced by us whether or not at the time the sums are
advanced there Is any principal sum outstanding under the Agreement. The parties hereto intend that this Deed of Trust
shall secure unpaid balances, and all olher amounts due 1o us hereunder and under the Agreement.

This Deed of Trust secures fo us: (a) the repayment of the debt evidenced by the Agreement, with interest, and all
refinancings. renewals, extensions and modifications of the Agreemont: (b) the payment of all other sums, with interes,
advanced under this Deed of Trust to protect the security of this Deed of Trust; and (¢} the performance of your covenants and
agreements under this Deed of Trust and the Agreement. For this purpose and in consideration of 1he debt, you irrevocably

o

OR ~ TRUST DEED - Single Family - HELOC - 4049-B703-3190v2 Initials: _¥"
ICE Mortgage Technology. Ine. Page t of 5 ORUMLCDE 0619
GHELC19DE (CLS)

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LOAN #: 6006975644

grant and convey 1o tihe Trustae and Trustee's successors and assigns. in lrust, with power of sale, the following described

properly located in the County of Kiamath
[Type of Recording Jurisdiclon} [Name of Recording Jurisdicion]:

THE WEST 1/2 OF LOT 1, AND 3 FEET EVENLY OFF THE NORTH SIDE OF THEWEST 85 FEET OF LOT 2, ALLIN
BLOCK 4 OF DIXON ADDITION NO. 2TO THE CITY OF KLAMATH FALLS, ACCORDING TO THE OFFICIAL PLAT
THEREQF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. SITUATED N
THE CQUNTY QF KLAMATH, STATE OF QOREGON. PPN: R417276.

APN #: R417278

which property is more commonly known as 2224 Main 5t, Klamath Falls, OR 87601-2762 ("Property Address"}.

TOGETHER WITH all the improvements now or hereatter erected on the praperly, and all easements, rights, appur-
tenances, and fixtures now or hereatter a part of the property. All replacements and additions shall also be covered by
thie Deed of Trust. All of the faregoing ig referred to in this Deed of Trust as the “Froperty”

YOU COVENANT that you are lawfully seised of the estate hereby conveyed and have the right ta grand and convey
the Property and that the Praperty is unencumbered, except far encumbrances of record. You warrant and will defend
generally the title (o 1he Praperly against all claims and damands. subject ta any encumbrances of recard.

YOU AND WE covenant and agree as follows:

1. Payment of Principal, Interest and Other Charges. You shall pay whan due the principal and interest owing
undar the Agreement and all ather charges due hereunder and due undef the Agreement, including any amedns you
are required ta pay into an escrow or impound account with us pursuani (0 Section 3.

2. Application of Payments. Unless applicable law provides otherwise, all paymenis received by us under the
Agraement and Section 1 shall be applied by us as provided in the Agreemaent,

3. Prior Deed of Trusts; Charges: Liens. You have gisclosed 1o us and ablained our approval of any morigage,
deed of trust or oher securily agreement with a lien which has priority over this Ceed of Trust. You shall perform ali of
your abligations under any mortgage, deed of trust or other security instiruments with a fien which has priority aver this
Deed of Trust. including your covenants to make payments when due. You shall pay all taxes, assessments, charges,
fings and impasitions attributable to the Fraperty which may atlain priority aver this Deed of Trust ar any advance under
this Deed of Trust, and leasehald payments or ground rents, if any, Upan our request. you shall promptly furnish 1o us ak
notices of amounts 10 ba paid under this paragraph and receipis evidencing any such payments you make directly. You
shall prompily discharge any lien (other than a lign disclosed to us in your application ar in any title repart we obtained)
which has priority aver this Deed of Trust or any advance under this Deed of Trust,

Subject 10 applicable law. we may. upan notice gither before or after the execution of this Deed of Trust, raguire you
13 pay amounis into an escrow of iImpeund account with us, on the day monthly paymenis are due under the Agreement,
up ta the maximum amount permitted by law for the payment of all (a) taxes. assessments (including condaminium
and planned unil development assessments, if any) and ather items which may anain priority over this Deed of Trust;
(b) premiums for hazard insurance and any martgage insurance required by us under this Deed of Trus!; and (¢) leasehold
payments or ground rents on the Property, if any.

4. Hazard Insurance. You shalt keep the Properly insured against loss by tire, hazards included within the term
‘exiended coverage” and any other hazards, including floods or flooding, for which we require Insurance. This insurance
shall be maintafned in the amaunts and for the periods thatl we requira. You may choose any insurer reasonably accept.
able to us. Insurance policies and renowals shall be acceptable to us and shall include a standard maortgages clause. If
we require, you shall promptly give us all receipts of paid premiums and renewal natices. If yau fail ta maintain caverage
as required in this section, you authorize us 1o abtain such coverage as we in our sale discretian determing appropriate
to protect our interesi in the Froperty in accordance with the provisions in Sectian &. You understand and agree that any
coverage we purchase may cover anly our interest in he Praperty and may not cover yaur interest in the Property or any
personaf proparty therein. You also understund and agree (hat the premium for any such insurance may be higher than
the premium you would pay far such insurance, You shall promptly notify the insurer and us of any loss. We may makea
praof of loss if you do not premptiy do sa.

We may atso, at our oplion and on your behalf, adjust and compromise any claims under the insurance, give releases
of acquitances to the insurance company in conneclian with the setttement of any claim and collect and raceive insur-
ance proceeds. You appaint ug as your attarney-in-fact to do all of the foregaing, which appaintmeni you understand and
agree is irravocable, coupled with an interest with full power of substitutian and shail not he atiectad by your subseguent
disability or incompetence.

Insurance proceeds shall be applied ta restore or repair the Property damaged, if restoration or repair is economicay
feasible and aur security would nct be lessened. Otherwise. insurance proceeds shall be applied to sums secured by
this Deed of Trust, whether ar ral then due, with any excess paid 1o you. If you abandaon the Praperty, or do not answer
within 30 days aftor we give natice ta you (hat the insurer has offered to settle a claim, then we may collect and use he
proceeds to repair or restora the Propenty or to pay sums secured by this Deed of Trust, whether or not then due. Any
application af proceeds to principal shall not require us ta exlend or postpone the due date of monthly payments or
change the amount of ronihly payments. If we acquire the Properly at a forced sale following your default, yaur right to

OR - TRUST DEED ~ Single Family - HELOE - 484¢-8703-3130u3 Initialg: ’{]_

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any insurance proceeds resulting from damage to the Property prior to the acquisition shall pass to us to the extent of
the sums secured by this Dead of Trus! immediately prior o the acquisition.

You shall not permit any condition @ exisl an the Property which would, in any way, invalidate the insurance coverage
on the Property.

5. Preservation, Maintenance and Protection of the Property; Loan Application; Leaseholds. You shall not
deslroy, damage or substantially change the Property, allow the Property 1o deleriorate, or commit waste. You shall be
in default if any forfeiture action or proceeding, wheather civil or criminal, is begun that in our good faith judgenent could
result in forleiture of the Property or otherwise materially impair the lien created by this Deed of Trust or our security
interesl. You may cure such a default, as provided in Section 17, by causing the action or proceeding to be dismissed
with a ruling that, in our good faith determination, preciudes farfeiture of vaur interest in the Property or othar material
impairment of the lien created by this Deed of Trust or our security interest. You shall also be in default if you, during the
loan application process, gave materially false or inaccurate information or statements o us {or failed to provide us with
any material information) in connectlion with ihe loan evidenced by the Agreemenl, including, but not limited lo, repre-
saentalions cencerning your oceupancy of the Property as a principal residence. If this Deed of Trust is on a leasehold,
you shall comply with the fease. You shall nat surrender the leasehold estate and interests herein conveyed or terminate
or cancel the ground lease. You shall not, without cur express written consent, alter or amend the ground lease. If you
acquire fee tille to the Property, the lzasehold and fee title shall not merge unless we agree lo the merger in writing.

6. Protection of Qur Rights in the Property; Mortgage Insurance. If you fail to perform the covenants and agree-
ments contained in this Deed of Trust, or there is a legal proceeding that may significantly affect our rights in the Property
{such as a proceeding in bankrupicy, probate, lfor condemnalion or forfeiture or to enforce kaws or regulations), then we
may do, and pay for. anything necessary o proteci the Property's value and our rights in the Property. Our actions may
inchade paying any sums secured by a lien which has priority over this Deed of Trust or over any advance under the
Agreement ar this Deed of Trust, appearing in court, paying reasonabie atlorney's fees, paying any sums which you are
required to pay under this Deed of Trust and entering on the Property to make repairs. We da not have to take any action
we are permified {o take under this Section; and amounls we pay under this Section shall become additional debts you
owe us and shall be secured by this Deed of Trust. These amounts shall bear interest from the disbursement date at the
rate ¢stablished under the Ageeement and shall be payable. with inlerest. upon our request. If we required mertgage
insurance as a candition of making the foan secured by ihis Deed of Trust, you shall pay the premiums for such insurance
untit such time as the requirement for the insurance terminates.

7. Inspection. We may enter and inspect the Property at any reasonable time and upon reasonable notice.

8. Condemnation. The proceeds of any award for damages, dirget or consequential, in connection with any con-
demnation or vther taking of any pan of the Property, or for conveyance in lieu of condemnation, are hereby assigned
and shall be paid to us. It the Property is abandoned, or if, aller notice by us to you that the condemnor offers ioc make
an award or settle a claim for damagss, you fail to respond to us within 30 days afler the date the notice is given. we are
authorized to collect and apply the proceeds, a1 our option, either to restoration or repair of the Praperty or to the sums
secured by this Deed of Trust, whether or not then due. Unless we and you otherwise agree in wriling, any application of
proceeds to principal shall not exiend or postpone the due date of the monthly paymoents payable under the Agreement
and Section 1 or change the amount of such payments.

8. Nc Release Upon Extension or Medification. Our granting of any extension of time for payment or our agrae-
ment 1o modify the terms of repayment of the abligations under the Agreement or the requirements in this Deed of Trust
shall not operate to release you from your obligations or liability undar the Agreement or this Deed of Trust.

10. Successors and Aselgns Bound; Joint ang Several Liability: Co-signers. The covenants and agreements
of this Deed of Trust shall bind and benefit your successors and permitted assigns. Your covenants and agreements shalt
be jaint and several. Aryone who co-signs this Deed of Trust but does ot execute the Agreement: (a] is co-signing this
Deed of Trust only to mortgage, grant and convey such person's interest in the Property; (b) is not personally obligased
1o pay the Agreemend, bul is obfigated o pay all other sums secured by this Deed of Trust; and (¢) agrees that we and
anyone else who signs this Deed of Trust may agrae ta extend, modify, forbear or make any accommodalions regarding
the terms of this Deed of Trust or the Agresmen! without such persons consent,

11 Loan Charges. If the loan secured by this Deed of Trust is subject to a law which sets maximum loan charges,
and that law is finally interpreted so that the interest or other loan charges collected or io be collected in cannection
with the loan exceed the permitted limits. then: (a) any such loan charge shall be reduced by the amount necessary 1o
reduce the charge 1o the permitied limit; and (b) any sums already coflected from you which exceed permitted limits will
be refunded to you. We may chaose to make this refund by reducing the principal owed under the Agreement or by mak-
ing & direct payment 10 you. If a refund reduces principal, the reduction will be treated as a parfial prepayrent without
any prepayment charge under the Agreement.

12. Notices. Unless otherwise required by law, any nolice ta you provided for in this Deed of Trust shall be delivered
or mailed by first class mail 1o the Property Address or any other address you designate by notice to us, and any notice
to us shall be delivered or mailed by first class mail to our atddress siated above or any other address we designate by
Notice 1o you.

13. Governing Law; Severability. The exiension of credit secured by this Deed of Trust is governed by faderal law,
which for the purposes of 12 USC § B85 incorporates Delaware law. However, the intetpretation and enforcement of this
Deed of Trust shall be governed by the law of the jurisdiction in which the Properly is tocated, excepl as preempled by
federal law. In the event that any provision or clause of this Deed of Trust or the Agreemeni conflicts with applicable law,
such conflict shall nod affect other provisions of this Deed of Trust of the Agreement which can be given effact withoul the
conflicting provision. To this end the provisions of this Deed of Trust and the Agreement are declared to be severable.

14, Transfer of the Property. If all or any part of the Property or any interest in it is sold or transferred without our
prior written consent, we may, at our option, require immediate payment in full of all sums secured by this Deed of Trust,
_lf;_lowever, this option shall not be exercised by us if exercise is prohibited by federal law as of 1he date of this Deed of

TLiSt.

15. Sale of Agreement; Change of Loan Servicer. The Agreement or a partial inlerest in the Agreement {together
with this Deed of Trust) may be sold one or more times without prior notice o you. A sale may result in a change in the
entity (known as the “Loan Servicer”) that collects monthly payments due under the Agreement and this Deed of Trusl.
There also may be one or more changes of the Loan Servicer unretated 1o the sale of (he Agreement. Il there is a change
of the Loan Servicer, you will be given written nolice of the change as required by appficable law. The notice will stats the
name and address of ihe new Loan Servicer and the address to which payments should be made. The notice will also
contain any information required by applicable law.

OR ~TRUST DEED - Single Family — HELOE ~ 4849-8703-3180v2 Initials: m—
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16. Hazardouz Substances, You shall nol cause or peimit the presence, use, disposal, storage, or releage aof any
Hazardous Substances on or in the Property. You shall not do, nor allow anyone else o tlo, anything affecting the Prop-
erty that is in violation of any Environmental Law. The areceding two sentences shall nol apply to the presence, use, or
storage on the Property of Hazardous Substances in guantities that are generally recognized to be appropriaie lo normal
resigential uses and ta maintenance of the Property. You shall pramptly give us written notice of any investigation, claim.
demand, tawsuit or other actian by any governmentai or regulatory agency or private party involving the Property and
any Hazardous Substance or Enviconmenial Law of which you have actual knowtedge. If you learn or are notified by any
government or regutatory authority, that any removal ar other remediation of any Hazardous Substance affecting the
Properly is necessary, you shall promplly 1ake all necessary remedial actions in accordance with Environmental Law. As
used in this Deed of Trust, “Hazardous Substances” are those subslances defined as toxic of hazardous substances by
Environmenial Law and the following substances: gasoline. kereseng, other lammable or toxic pelroleum products, toxic
pesiicides and herbicides. volatile solvenis, materials containing asbestos or formaldehyde, and radicactive materials.
As used in this Deed of Trust, “Envircnmental Law” means federal laws and laws of the jurisdiction where the Property
is located that relate to health, safety or erwironmental protection.

17, Acceleration; Remedies. You will be in default if (1) any payment required by the Agreement or this Deed of
Trust is not made when it is due; (2) we discaver that you have committed fraud or made a material misrepresenia-
tion in connection with the Agreement; or {3) your action, or your failure to aci, adversely affecis our security for
the Agreement ar any right we have in the Property. If a default aceurs, we will give you notice specifying: (a} the
default; (b) the action required to cure the default; {c) a date, not less than 30 days from ihe date the notice is given
ta you, by which the default must be curad; and {d} that fallure to cure the default on or before the date specified
in the notice may result in acceleration of the sums secured by this Deed of Trust and sale of the Property. The
natice shall further inform you of the right to reinstate after acceleration and the right to bring a eourt action to
assert the nonexistence of a defauit or any other defense you may have to acceleration and sale. If the default is not
cured on or before the date specitfied in the notice, we, at our option, may require immediate payment in full of all
sums secured by this Deed of Trust without further demand and may invoke the power of sale and other remedies
permitted by applicable law. We shall be entitled ta eollect all expenses incurred in pursuing remedies provided in
this Section 17, including, but not limited to, reasonable attorneys’ fees as permitted by applicable law.

If we Invoke the power of sale, we shall execuie or cause Trustee to execute a writlen notice of the occcurrence
of an event of default and of our election to cause the Property to be sofd. Trustee shall cause this notice to be
recorded in each county in which any part of the Proparty is located. We or the Trustee ahall mail copies of the
notice as prescribed by applicable law o you and to the other persens prescribed by applicable law. Trustee shall
give public notice of sale t0 the persons and in the manner prescribed by applicatle law. After the lime required
by applicable law, Trustee, without demand on you, shall sell the Property at public auction to the highest bidder
at the time and place and under the terms designated in 1he notice of sale in one or more parcels and In any order
Trustee determines. Trustee may postpone sale of all or any parcel of the Froperty by public announcemsnt at the
time and place of any previously scheduted sale. We or our designee may purchase the Property at any sale,

Trustee shall deliver to the purchaser Trustee's deed conveying the Property without any covenant or warranty,
expressed or implied. The recitals in the Trustee's deed shall be conclusive avidance of the truth of the statements
made therein, uniess otherwise provided by applicable law. Trustee shall apply the proceeds aof the sale in the
following order: {a) to all expenses of the sale, including, but nat limited to, reasonable Trustee's and attorneys’
fees, as set forth above; (b) to all sums secured by this Deed of Trust; and {£} any excess to the person or persons
legally entitled to it.

18. Reconveyance. Upon yous request thal we terminale the Agreament secured by this Deed of Trust and payment
&l all sums secured by 1his Deed of Trust, we shall reguest Trustee to reconvay the Properly and shall surrender this Deed
of Trust and all notes or agreements evidencing debt secured by this Deed of Trust to Trustee. Trustee shall reconvey the
Property withold waranty and withow ¢chasge to the person or persons legally entitled to it. Such person or persons shall
pay any recordation costs. ' '

19. Substitute Trustee. We may, at aur option, from tine to time appaint a successor trustee to any Trustee appointed
hereunder. Without canveyance of the Property, the successor trusiee shall succeed 10 all the title, powers and duties
canferred upon the Trustee herein and by applicable law. This procedure for substitution of frustea shall govern to the
exclusion of all oiher provisions for substitution.

20, Attorney’s Fees. As used in this Deed of Trust and in the Nate, “atiorneys' fees™ shall include any attorneys’ fees
awarded by an appellate court. '

21, Discontinuance of Enforcement. Notwiihstanding our acceleration of the sums secured by this Deed of Trus!
under ihe provisions of Section 17 we may, in our sole discretion and upon such conditions as we in our sole discretion
delermine, giscontinue any procaedings begun 1o enforce the terms of this Deed of Trust.

22. Walver. No waiver by us at any {ime of any term. provisian or covenani contained in this Deed of Trust or in the
Agreement secured heraby shall be deemed to be or construed as a waiver ol any ather ferm, provision or covenant or
of the same term, provision or covenant at any other time. '

23. Adqltlungl Charges. You agree 1o pay reasonable charges as allowed by law in connection with the serviging
of this loan including. without limitation. the costs of obtaining tax searches and subordinations, provided, however, that
nothing contained in this section is intended to create and shall not be consirued to create any duty or obligation by us io
perform any such agl, or to execute or consent to any such transaction ¢r matter, except a release of the Deed of Trus!
upon full repayment of all sums securet thereby.

24. WARNING. Uniess yau provide us with evidence of the Insurance coverage as required by our contract or
loan agreement, we may purchase ingurance at your expense io protect our interest, This insurance may, but need
not, alzo pretect you i interest. if the collateral becomes damaged, the coverage we purchase may not pay any clalm
you make or any claim macle against you. You may later cancel this coverage by providing evidence that you have
obiained property coverage elsewhere.

You are responsible for the cost of any insurance purchaged by us. The cost of this insurance may be added
to your contract or loan halar.mce. If the cost is added to your contract or loan balance, the interest rate on the
underlying contract or loan will apply to this added amount. The effective date of coverage may be the date your
prior poverage lapsed or the date you failed io provide proof of coverage.
andTr:::ycg:fr:gi? ';;e _purchazefmay be consc:derably more expensive than insurance you can oblain on your own
and r atisfy any need for propea ama iabili 3 i
imposedt by applieable ?aw. property ge coverage or any mandatory liability insurance requirements

QR = TRUST DEED - Single Family — HELQC - 4B49-8703-3 100v2 Initials: 1%l

{CE Morigage Technology. inc Paged of 5 ORUMLCTE 0618

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25. Protective Advanees. This Deed of Trusl secures any advances we, ai our discretion, may make undoer Section §
of this Deed of Trust 10 protac! our interest in the Propesty and rights under this Deed of Trust.

26. Riders to this Deed of Trust. if one or more riders are executed by you and recorded together with this Deed of
Trust, the covenants and agreements of each such rider shalt be incorporated into and shall amend and supplement the
covenants ard agreements of this Deed of Trust as if the rider{s) were a part of this Deed of Trust. [Check applicable box(es)]

L Condominium Rider ~ _{ 1-4 Family Rider ~ _ Planned Unil Development Rider
X Orher(s) (specify)

Home Equity Line of Credit Adjustable Rate Rider

BY SIGNING BELOW., You accopt and agree to the terms and covenants contained in this Deed of Trus! and in any
rider(s) sxecuted by you and recorded with it.

Y/l e (Seal)
DATE

State of Oregon
County of KLAMATH

N ey 2 -
This record was acknowledged before me on rzf'g el 20 2 {date) by JOSE VICENTE

TRUWIILLO.

areiCiay STAMP
SALLA ANN BERGLOFF [
ROPIARY AUBLIC - DREGON Notary Public,
COMMSEON NG, 1084147 : B AT
Y COMMISE0 % TXPSAES DECEMBER 03. 2020 State of ___ 3= o }&) L

Lender: Rogue Credit Union
NMLS I1D: 776823

Loan Originator: Jared Brumble
NMLS 1D: 789804

OR -TAUST DEED - Single Family ~ HELDC — 4849-B705-3400v2 Initials: %
ICE Morlgage Technology. tnc. Page Sof 5 ORUHLCDE 0819
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LOAN #: 6005975644

HOME EQUITY LINE OF CREDIT ADJUSTABLE RATE RIDER
(W8J Prime Rate {daily) - Rate Caps)

THIS HOME EQUITY LINE OF CREDIT ADJUSTABLE RATE RIDER is made this
21st day of April, 2026 and is incorporated into and amends and supplemients the
Morigage, Open-End Mortgage, Deed of Trust, Open-End Deed of Trust, or Securify
Deed (the "Security Instrument”®) of the same date given by the undersigned (the
“Borrower™] to secure Borrower's Home Equity Line of Credit Agreement (the
"Agreement”} to Rogue Credit Union, a State Chartered Credit Union (the “Lender”)
of the same date and covering the property described in the Security Instrument and
located at:

THE AGREEMENT CONTAINS PROVISIONS ALLOWING FOR A
CHANGE IN THE INTEREST RATE AND THE MONTHLY PAYMENT,
THE AGREEMENT LIMITS THE AMOUNT THE BORROWER'S
ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME
AND THE MINIMUM AND MAXIMUM RATES THE BORROWER
MUST PAY.

ADDITIONAL COVENANTS. In addition to the representations, warranties,
covenants, and agreements made in the Security Instrurment, Borrower and Lender
further covenant and agree as follows:

A. INTEREST RATE AND MONTHLY PAYMENT CHANGES

The Agreement provides for monthly payments as defined in Agreement Section
7. Minimurm: Payments {"Monthly Payment") and an initial interest rate of 9.740%.
The Agreement provides for changes in the interest rate and the Monthly
Payments as follows:

5. LENGTH OF YOUR DRAW PERIOD AND REPAYMENT PERIOD. You may
take Advances for a period of 120 Monthly Statement Periods after the date your
Credit Account is opened ("Draw Period"}. After the Draw Period, unless extended,
you may not take further Advances. Your principal balance will then be fixed and
you will be required to repay it and any interest and other charges which accrue
over the next 180 Monthly Statement Periods ("Repayment Period"). The last day
of the Repayment Period will be May 15, 2041 ("Maturity Date”). You must pay all
sums owed on the Maturity Date in full.

A Monthly Statement Period is an interval of approximately one month beginning
on the date your Credit Account is opened and recurring regularly until your Credit
Account is finally closed. Monthly Statement Periods occur regardiess of whether
there is a balance or any activity in your Credit Account or whether we have sent

mITIALS:_ VL

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you a staternent for the period. Your first Monthly Statement Period may be shorer
than a month depending on when your Credit Accourd is opened.

7. MINIMUM PAYMENT. Each billing statement we send you will identify a
minimum monthly payment amount that you must pay. During the Draw Period
(including any extension thereof), your minimum monthly payment will be the
amount of any accrued finance charge, plus any fees and any amounts past due.

The minimum monthly payment during the Draw Period will not reduce the
principal that is outstanding on your Credit Account.

During the Repayment Period, your minimum monthly payment will be the amount
sufficient to amortize the principal amount you owe on the last day of the Draw
Period, plus interest, in substantially equal instaliments during the Repayment
Period, plus any fees and any amounts past due.

If the periodic rate and corresponding Annual Percentage Rate change during the
Repayment Period (as described in Section 8 below}, your minimum monthly
payment will be adjusted accordingly (as described in Section & below).

In addition, and regardless of whether an escrow account has been established, if
you fail to pay (a) taxes, assessmenis (including condominium and planned unit
development assessments, if any) and other items which may attain priority over
the Security Instrument; (b) premiums for hazard insurance and any mortgage
insurance required by us under the Security Instrument, and (c) leasehold
payments or ground rents on the Property, if any, we may require you to make
additional monthly payments to us for those amounts, or we may charge those
amounts to your Credit Account as Advances. You may obtain all required
hazard insurance on the Property from anyone you want that is reasonably
acceptable to us.

You may prepay the amount of any Advances at any time before payment is due.

8. FINANCE CHARGES. Periodic Finance Charges (interest) begin to accrue on
the day an Advance is charged to your Credit Account and continue until the
outstanding balance on the Advance is paid in full. Periodic Finance Charges on
your Credit Account will be determined by applying a Daily Periodic Rate to the
daily balance {including current transactions} of Advances owed on your Credit
Account. To calculate the daily balance of Advances, we take the beginning
balance of Advances owed on your Credit Account each day, add any new
Advances, and subtract any payments or credits applied to Advances, This gives
us the daily balance of Advances (including current transactions). We then apply
the applicable daily periodic rate to each daily balance of Advances and add up
the results of this daily interest computation for each day of the Monthly Statement
Period. This total is the periodic Finance Charge for the Monthly Statement Period.

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We treat credit balances as zero balances when we figure the balances that are
subject to periodic Finance Charge.

The periodic rate and its corresponding Annual Percentage Rate are variable rates
based on an interest rate index. The index for your Credit Account is the Prime
Rate as most recently published on the first day of each calendar month in the
"Money Rates" table in any U.8. edition, including any electronic edition, of The
Wall Street Journal (the “Index”). We will use the highest Prime Rate if more than
one is published. The Prime Rate is merely a pricing index. It is not intended, and
you should not consider it, to represent the lowest of the best interest rate that we,
our affiltated organizations or any other financial institution may charge. If the
Prime Rate becomes unavailable during the term of this Agreement, we may
designate a substitute Index and Margin upon notice to you. The Daily Periadic
Rate and its corresponding Annual Percentage Rate may change (increase or
decrease) the first day of the Monthly Statement Period after the Index changes.

An increase in the Annual Percentage Rate and the Daily Periodic Rate will result
in a higher periodic Finance Charge and a higher minimum payment, while a
decrease in those rates will result in a lower periodic Finance Charge and a lower
minimum payment, assuming the same principal balance and number of days in
the Monthly Staternent Period. We will determine your daily periodic rate by adding
2.990 percentage points (the “Margin"} to the Index, and dividing the result by 365.

At no time will your ANNUAL PERCENTAGE RATE be greater than 18.000% or
less than 3.990%. The Annual Percentage Rate cannot increase or decrease by
more than 8.260 percentage points in any 1 month period due to changes in the
Index. The Annual Percentage Rate does not include costs other than interest.

& if this box is checked, you have authorized us to deduct the minimum monthly
payment you owe as shown on your periodic statement from a designated
checking account (the "Checking Account”) by automatic electronic funds transfer
(the "Auto Debit Feature”). The following provisions regarding a decrease in your
Margin and interest rate for the duration of the Auto Debit Feature, and the impact
of such a decrease on your Credit Account, apply:

Because you have elected to use the Auto Debit Feature to make your minimum
monthly payments, you will receive a 0.500 percentage point discount (reduction)
from the regular Margin and interest rate that would otherwise apply to your Credit
Account (as described in this Agreement) unless and until the Auta Debit Feature
is no longer in effect . However, this Margin and interest rate reduction does not
apply fo (and does not change) any maximum or minimum Annual Percentage
Rates described in this Agreement. You understand and agree that the use of the
Auto Debit Feature is voluntary on your part and is not a condition for your receipt
of the Credit Account. If you or we {or someone else, including without limitation
your depository financial institution) discontinue the Auto Debit Feature, or if the

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Checking Account is closed, whether by you, us, or someone else, for any reason,
the discount (reduction} described above from the regular Margin and interest rate
will end and the regular Margin and interest rate that would have otherwise applied
to your Credit Account if you had not elected to use the Auto Debit Feature (as
described in this Agreement) will resume effective on or in our discretion after the
date the Autc Debit Feature is no longer in effect. Any limit described above on the
amount by which the Annual Percentage Rate may increase in a 1 month period
due to changes to the Index does not apply to an interest rate increase resulting
from the Auto Debit Feature no longer being in effect. If your interest rate increases
because the Auto Debit Feature is no longer in effect, your minimum monthly
payment due on your Credit Account will increase.

B. TRANSFER OF THE PROPERTY
Section 14 of the Security Instrument is amended to read as follows:

Transfer of the Property. If all or any part of the Property or any interest in it
is sold or transferred without our prior written consent, we may, at our option,
require immediate payment in full of all sums secured by this Security Instrument.
However, this option shall not be exercised by us if exercise is prohibited by federal
law as of the date of this Security Instrument.

BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants
contained in this Home Equity Line of Credit Adjustable Rate Rider.

JOSEVICENTE TRUJILLO DATE

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