SUPPLEMENTAL MATERIALS (TITLE REPORT)

Division of Chief Deputy Clerk 2006'079135 Lane County Deeds and Records WHEN RECORDED MAIL TO: D: VIII II VIII III 111111 iI II 111111 IN 1111111111111111 $56.00 R P.O. Box etail Loan Servicing KY2-1606 11606 00857165200600791350070079 Lexington, Lexin, KY 40576-1606 RPR-DTR Cnt.1 11/01/2006 02:07:33 PM Stn-8 CASHIER 01 I +I $35.00 $10.00 $11.00 II6III VIII VIII VIII VIII VIII VIII IIII II I III IIII IIII SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY 4625236+2 DREYER, CYNTHIA 00426450088168 DEED OF TRUST / MORTGAGE LINE OF CREDIT INSTRUMENT LINE OF CREDIT DEED OF TRUST. (A) This Deed of Trust is a LINE OF CREDIT INSTRUMENT. (B) The maximum principal amount to be advanced pursuant to the Credit Agreement is $227,000.00. (C) The term of the Credit Agreement commences on the date of this Deed of Trust and ends on October 16, 2036. THIS DEED OF TRUST is dated October 16, 2006, among CYNTHIA A DREYER and THOMAS M DREYER, WIFE AND HUSBAND, whose address is 2955 CAPITAL DR, EUGENE, OR 97403 ("Grantor"); JPMorgan Chase Bank, NA, whose address is Home Equity and Consumer Lending Division, 1111 Polaris Parkway, Columbus, OH 43240 (referred to below sometimes as "Lender" and sometimes as "Beneficiary"); and OR Stewart Title Guaranty Co., whose address is One Center Pointe Dr., Suite 300, Lake Oswego, OR 97035 (referred to below as "Trustee"). Conveyance and Grant. For valuable consideration, Grantor conveys to Trustee in trust, with power of sale, for the benefit of Lender as Beneficiary all of Grantor's right, title, and interest in and to the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; 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, (the "Real Property") located in LANE County, State of Oregon: Parcel ID Number: 0589596 BEGINNING AT THE THREE-QUARTER INCH IRON PIPE MARKING THE NORTHWEST CORNER OF LOT 1, BLOCK 5 OF THE PLAT OF CAPITAL HILL ADDITION TO EUGENE, OREGON, AS PLATTED AND RECORDED AT PAGE 104 OF VOLUME 4, LANE COUNTY OREGON PLAT RECORDS; THENCE SOUTH 2 DEG 21' EAST 322.66 FEET ALONG THE EASTERLY MARGIN OF CAPITAL DRIVE, AS LOCATED ON SAID PLAT TO AN IRON PIN MARKING THE TRUE POINT OF BEGINNING; THENCE SOUTHERLY ALONG THE EASTERLY MARGIN OF CAPITAL DRIVE, AS FOLLOWS: SOUTH 2 DEG 21' EAST 49.34 FEET TO A POINT MARKED BY AN IRON PIN; THENCE SOUTHWESTERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A RADIUS OF 95.00 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING SOUTH 32 DEG 39' WEST 108.98 FEET FROM THE LAST DESCRIBED POINT; THENCE SOUTH 67 DEG 39' WEST 100.00 FEET TO A POINT MARKED BY AN IRON PIN; THENCE SOUTHWESTERLY ALONG THE ARC OF A CURVE TO THE LEFT HAVING A RADIUS OF 139.5 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING SOUTH 32 DEG 39' WEST 160.03 FEET FROM THE LAST DESCRIBED POINT; THENCE SOUTH 2 DEG 21' EAST 50.0 FEET TO A POINT MARKED BY AN IRON PIN; THENCE SOUTHEASTERLY ALONG THE ARC OF A CURVE TO THE LEFT HAVING A RADIUS OF 382.2 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING SOUTH 9 DEG 21' EAST 93.16 FEET FROM THE LAST DESCRIBED POINT; THENCE SOUTH 16 DEG 21' EAST 100.00 FEET TO A POINT MARKED BY AN IRON PIN; THENCE SOUTHEASTERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A RADIUS OF 503.34 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING SOUTH 14 DEG 23' EAST 34.79 FEET FROM THE LAST DESCRIBED POINT; THENCE LEAVING THE EASTERLY MARGIN OF SAID CAPITAL DRIVE AND FOLLOWING ALONG THE CENTER OF A ROAD, AS NOW CONSTRUCTED, AS FOLLOWS: NORTH 28 DEG 10' EAST 59.09 FEET TO A POINT MARKED BY AN IRON PIN; THENCE NORTHEASTERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A RADIUS OF 143.23 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING NORTH 52 DEG 04' EAST 116.00 FEET FROM THE LAST DESCRIBED POINT; THENCE NORTH 75 DEG 57' EAST 114.00 FEET TO A POINT MARKED BY AN IRON PIN; THENCE NORTHEASTERLY ALONG THE ARC OF A CURVE TO THE LEFT HAVING A RADIUS OF 102.31 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING NORTH 51 DEG 59' EAST 83.11 FEET FROM THE LAST DESCRIBED POINT; THENCE NORTH 28 DEG 01' EAST 59.00 FEET TO A POINT MARKED BY AN IRON PIN; THENCE NORTHEASTERLY ALONG THE ARC OF A CURVE TO THE LEFT HAVING A RADIUS OF 477.46 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING NORTH 16 DEG 51 1/2' EAST 184.80 FEET FROM THE LAST DESCRIBED POINT; THENCE NORTH 5 DEG 42' EAST 77.05 FEET TO A POINT MARKED BY AN IRON PIN; THENCE NORTH 0 DEG 16 1/2' WEST 77.20 FEET TO A POINT MARKED BY AN IRON PIN; THENCE NORTHWESTERLY ALONG THE ARC OF A CURVE TO THE LEFT HAVING A RADIUS OF 73.0 FEET TO A POINT MARKED BY AN IRON PIN, SAID POINT BEARING NORTH 62 DEG 10' WEST 128.79 FEET; THENCE SOUTH 55 DEG 56' WEST 106.89 FEET TO THE TRUE POINT OF BEGINNING, ALL IN LANE COUNTY, OREGON. The Real Property or its address is commonly known as 2955 CAPITAL DR, EUGENE, OR 97403. The Real Property tax identification number is 0589596. Revolving Line of Credit. Specifically, in addition to the amounts specified in the Indebtedness definition, and without limitation, this Deed of Trust secures a revolving line of credit, which obligates Lender to make advances to Grantor so long as Grantor complies with all the terms of the Credit Agreement. Such advances may be made, repaid, and remade from time to time, subject to the limitation that the total outstanding balance owing at any one time, not including finance charges on such balance at a fixed or variable rate or sum as provided in the Credit Agreement, any temporary averages, other charges, and any amounts expended or advanced as provided in either the Indebtedness paragraph or this paragraph, shall not exceed the Credit Limit as provided in the Credit Agreement. It is the intention of