2026-001873 Klamath County, Oregon 03/02/2026 11:30:01 AM Fee: $502.00 RECORDING COVER SHEET Pursuant to ORS 205.234 After recording return to: ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, OR 97035 Phone: (503) 946-6558 TS NO.: 25-74796 1. AFFIDAVIT OF MAILING - (s) 2. AFFIDAVIT OF MAILING — TRUSTEE’S NOTICE OF SALE 3. TRUSTEE’S NOTICE OF SALE & DANGER NOTICE 4. PROOF OF SERVICE 5. AFFIDAVIT OF PUBLICATION Original Grantor(s) on Trust Deed: JUSTIN ERIC BACIGALUPI AND CRIMSON BACIGALUPI Beneficiary: Freedom Mortgage Corporation THIS COVER SHEET HAS BEEN PREPARED BY THE PERSON PRESENTING THE ATTACHED INSTRUMENT FOR RECORDING. ANY ERRORS CONTAINED IN THIS COVER SHEET DO NOT AFFECT THE TRANSACTION(S) CONTAINED IN THE INSTRUMENT ITSELF. AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0193000-01 T.5. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)hie is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suile A, San Diego, CA 92123; by iMailTracking, LLC acting on bchalf of ZBS Law, LLP and that on 6/23/2025, (s)he caused to be mailed copies of the document titled Notice of Sale. Tenant Notice and Danger Notice via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attachcd Exhibit “A”. Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. X Theodore Robert Schroeder Jr. A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On June 24 2025 before me, Charlene A. Broussard , persanally appearedTheodore Robert Schroeder Jr., who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the persan(s), or the entity upon behalf of which the person(s} acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. CHARLENE A, BROUSSARD | \ COMM. #2465838 Notary Public - California San Diego County My Comm. Expires Nov. 2, 2027 z i 2 [ Signature //\d— (Seal) J Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing Electronic - Ret 06/23/2025 OROCC 0193000-01 000 20250623 Zieve000336 71969002484096517721 CURRENT OCCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 Postal Class: Mail Date: Type of Mailing: Attachment: 2 EXNIDITA 10 Ueclaration of Mailing First Class 06/23/2025 OROCC 0193000-01 000 20250623 Zieve000336 (11)9690024802439976 CURRENT OCCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0193002-01 T.S.No.: 25-7479%6 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 6/23/2025, (s)he caused to be mailed copies of the document titled Notice of Sale, Tenant Notice and Danger Notice via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A™, Additional Services provided during the production of this mail order (if any): None 1 declare under penalty of perjury that the foregoing is true and cotrect. 7 x o~ (-~ Théodore Robert Schroeder Jr. A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On June 24 2025 before me, Charlene A. Broussard , personally appearedTheodore Robert Schroeder Jr., who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s}, or the entity upan behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. T2, CHARLENE A. BROUSSARD | (2D COMM. #2465338 //>~¥W ""_._ ’ ¥ San Diego County S Signature (Seal} 1_ Lo [ Notary Public - California 2 Zsi2”” My Comm. Expires Nov. 2, 2007 ] —~—] Postal Class: Mail Date: Type of Mailing: Attachment: 1 11 13 15 Exhibit A to Declaration of Mailing Electronic - Ret 06/23/2025 Sender: ZBS Law, LLP ORNTSHO 30 Corporate Park Drive, Suite 450 0193002-01 000 20250623 Zieve000336 Irvine CA 92606 71969002484096517745 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484096517752 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484096517769 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 . MERRILL, OR 97633 71969002484096517776 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 71969002484096517783 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484096517790 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484096517806 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 71962002484096517813 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 Postal Class: Mail Date: Type of Mailing: Attachment: 2 10 12 14 16 EXNIDILATO Ueciaraton o1 vailing First Class 06/23/2025 Sender: ZBS Law, LLP ORNTSHO ’ 30 Corporate Park Drive, Suite 450 0193002-01 000 20250623 ZieveD00336 Irvine CA 92606 (11)9690024802440170 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9690024802440262 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9690024802440309 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 (11)9690024802440330 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 (11)9690024802440378 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)2690024802440415 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9620024802440439 SPQOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 (11)9690024802440477 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0193001-01 T.5. No.: 25-74796 Loan No.: STATE OF California ~ } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 6/23/2025, (s)he caused to be mailed copies of the document titled Notice of Sale and Tenant Notice via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A™. Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. Theodore Robert Schroeder Jr. A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On June 24 2025 before me, Charlene A. Broussard , personally appearedTheodore Robert Schroeder Jr., who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. | certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. CHARLENE A. BROUSSARD } COMM. #2465838 = Notary Public - California 3 San Diego County = My Comm. Expires Nov. 2, 2027 { y—= NRQO1 &y ; Signature //’\—‘ {Seal) C Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing Electronic - Ret 06/23/2025 ORRES 0193001-01 000 20250623 Zieve000336 71969002484096517738 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 " Postal Class: Mail Date: Type of Mailing: Attachment: 2 Exhibit A to Declaration of Mailing First Class 06/23/2025 ORRES 0193001-01 000 20250623 Zieve000336 (11)9690024802440088 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 AFFIDAVIT OF MAILING ; C ZBS Law, LLP Mailing Number 0193003-01 T.S. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 6/23/2023, (s)he caused to be mailed copies of the document titled Notice of Sale and Tenant Notice via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None 1 declare under penalty of petjury that the foregoing is true and correct. o> TKeodore Robert Schroeder Jr. A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On June 24 2025 before me, Charlene A. Broussard , personally appearedTheodore Robert Schroeder Ir.,, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) isfare subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. . | certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. % CHARLENE A. BROUSSARD 25 COMM. #2465838 H a4 Signature /_;'“ - (Seal) ees” My Comm. Expires Nov, 2, 2027 S5k = Q g 5 2 s = 4 S [el = g 3. 5 A< LOUN Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing Electronic - Ret 06/23/2025 Sender: ZBS Law, LLP ORNTS 30 Corporate Park Drive, Suite 450 (0193003-01 000 20250623 Zieve000336 Irvine CA 92606 71969002484096517820 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 71969002484096517837 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 71969002484096517844 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/O FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHQUSE DRIVE MOON TOWNSHIP, PA 15108 Postal C ass: Mail Date: Type of Mailing: Attachment: 2 EXNIBITA 10 Lieclarauon or mailing First Class 06/23/2025 Sender: ZBS Law, LLP ORNTS 30 Comporate Park Drive, Suite 450 0193003-01 000 20250623 Zieve000336 Irvine CA 92606 (11)8690024802442112 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 (11)9690024802442129 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 (11)9690024802442136 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/C FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 AFFIDAVIT OF MAILING % ZBS Law, LLP Mailing Number 0195569-01 T.S. No.: 25-74796 Loan No.; STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 8/19/2025, (s)he caused to be mailed copies of the document titled Notice of HUD Occupancy Letter via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. x 7 Chari€ne Broussard A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On August 20 2025 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity{ies), and that by his/her/their signature{s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. ADELINAR. LARSON Notary Pubiic - California Signature (Seal) §uics San Dlego Counw g Sy Commission # 2510160 § My Comm, Expires Feb 15, 2020 Postal Class: Mail Date: Type of Mailing: Attachraent: 2 Exhibit A to Declaration of Mailing First Class 08/19/2025 ORHUDOCC 0195569-01 000 20250819 Zieve(000336 (11)9690024806369385 OCCUPANTS 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 AFFIDAVIT OF MAILING P ZBS Law, LLP Mailing Number 0195570-01 T.S. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 8/19/2025, (s)he caused to be mailed copies of the document titled Notice of HUD Occupancy Letter via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. X /h cfhaf?ne Broussard A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On August 20 2025 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. s ADELINAR, LARSON 3 A5\ Notary Public - California San Diego County Commission # 2510160 My Comm. Expires Feb 15, 2029 Signature (Seal) : Postal Class: Mail Date: Type of Mailing: Attachment: 2 10 12 14 16 Exhibit A to Declaration of Mailing First Class 08/19/2025 Sender: ZBS Law, LLP ORHUDHO 30 Corporate Park Drive, Suite 450 0195570-01 000 20250819 Zieve000336 Irvine CA 92606 (11)8690024806369392 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 (11)9690024806369408 SPOUSE CRIMSON BACIGALUP| AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 (11)9690024806369415 SPQUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9690024806369422 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9690024806369439 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 (11)9690024806369446 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 (11)9690024806369453 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 {11)9690024806369460 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0198562-01 T.5. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) vears; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 10/30/2025, (s)he caused to be mailed copies of the document titled Notice of Sale Postponement Letter via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None 1 declare under penalty of perjury that the foregoing is true and correct. X / Cthar? A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On October 31 2025 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the persan(s) acted, executed the instrument. | certify under PENALTY OF PERJURY under the faws of the State of California that the foregoing paragraph is true and correct. / / 4 (Seal) Signature [/ WITNESS my hand and official seal. ADELINAR. LaRSON Notary Public - California San Diego County £ : Commission # 251510 = My Comm, Expires Feb 15, 2029 Exhibit A to Declaration of Mailing Paostal Class: Electronic - Ret Mail Date: 10/30/2025 Sender: ZBS Law, LLP Type of Mailing: ORPPLTR 30 Corporate Park Drive, Suite 450 Attachment: 0198562-01 000 20251029 Zieve000336 Irvine CA 92606 1 _ 71969002484100838910 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 3 71969002484100838958 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 5 71969002484100838996 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/O FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 7 71969002484100839016 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 87603 9 71969002484100833054 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4748 HARLAN DR KLAMATH FALLS, OR 87603 1 71969002484 100839092 CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 13 71969002484100839122 CRIMSON BACIGALUP} AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 15 71969002484100839160 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 87603 17 71969002484 100839191 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4743 HARLAN DR KLAMATH FALLS, OR 97603 19 71969002484100839245 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 21 71969002484 100839290 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 23 71969002484100839320 CURRENT OCCUPANT 4748 HARLAN DR KLAMATH FALLS, OR 97603 25 71969002484100839368 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 Exhibit A to Declaration of Mailing Postal Class: First Class Mail Date: 10/30/2025 Sender: ZBS Law, LLP Type of Mailing: ORPPLTR 30 Corporate Park Drive, Suite 450 Attachment: 0198562-01 000 20251029 Zieve000336 irvine CA 92606 2 . (11)9890024811565581 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 - - ° BOCA RATON, FL 33431 4 (11)9690024811565598 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 ] (11)9690024811565611 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/Q FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 8 (11)9690024811565628 JUSTIN ERIC BACIGALUP! 4749 HARLAN DR KLAMATH FALLS, OR 97603 10 {11)9690024811565642. CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 12 (11)9690024811565673 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 14 (11)9690024811565697 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 87633 16 (11)9690024811565703 SPOUSE OF JUSTIN ERIC BACIGALUPI 4743 HARLAN DR KLAMATH FALLS, OR 97603 18 (11)9690024811565734 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 20 (11)9690024811565741 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 22 (11)9690024811565765 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 24 (11)9690024811565789 CURRENT OGCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 26 (11)9690024811565802 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0200176-01 T.5. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 12/8/2025, (s)he caused to be mailed copies of the document titled Notice of HUD Occupancy Letter via certified or registercd mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None [ declare under penalty of perjury that the foregoing is true and correct. X //_\ CHarfene Broussard A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On December 9 2025 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) isfare subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s} acted, executed the instrument. | certify under PENALTY OF PERIURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature (Seal) ADELINA R, LARSON Notary Public - California San Diege County g Commission # 2510160 68 My Comm, Expires Feb 15, 2029 Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing Electronic - Ret 12/08/2025 ORHUDOCC 0200176-01 000 20251207 Zieve000336 71969002484102118003 OCCUPANTS 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 Postal Class: Mail Dzte: Type of Mailing: Aftachment: 2 Exhibit A to Declaration of Mailing First Class 12/08/2025 ORHUDOCC 0200176-01 000 20251207 Zieve000336 (11)9700000214487637 OCCUPANTS 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 Sender: ZBS Law, LLP 30 Corporate Park Drive, Suite 450 Irvine CA 92606 AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0200179-01 T.8. No.: 25-74796 Loan No.; STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 12/8/2025, (s)he caused to be mailed copies of the document titled Notice of HUD Occupancy Letter _via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. XW ChiFlene Broussard A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On December 9 2025 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person{s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. | certify under PENALTY OF PERIURY under the |laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature ! T ADELINA R, LARSON E (Seal) Notary Public - California 3 San Diego County s ; Commission # 2510160 My Comm, Expires Feb 13, 2029 Postal Class: Mail Date: Type of Mailing: Attachment: 1 11 13 15 Exhibit A to Declaration of Mailing Electronic - Ret 12/08/2025 Sender: ZBS Law, LLP ORHUDHO 30 Corporate Park Drive, Suite 450 0200179-01 000 20251207 Zieve000336 Irvine CA 92606 71969002484102118881 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484102118911 CRIMSON BACIGALUP| AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484102118935 CRIMSON BACIGALUP| AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 71969002484102118966 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612W3RD ST. MERRILL, OR 97633 71969002484102118997 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484102119000 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 71969002484102119031 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 71969002484102119062 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 Postal Class: Mail Date: Type cf Mailing: Attachment: 2 10 12 14 16 Exhibit A to Declaration of Mailing First Class 12/08/2025 Sender: ZBS Law, LLP ORHUDHO 30 Corporate Park Drive, Suite 450 0200179-01 000 20251207 Zieve000336 Irvine CA 92606 (11)9700000214488399 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9700000214488405 CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9700000214488412 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 (11)9700000214488429 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 (11)9700000214488436 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9700000214488443 SPOUSE OF CRIMSON BACIGALUP| AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 (11)9700000214488450 SPOUSE CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 (11)9700000214488467 SPOUSE OF CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 ZBS Law, LLP Mailing Number 0200177-01 T.S. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego AFFIDAVIT OF MAILING The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 12/8/2025, (s)he caused to be mailed copies of the document titled Notice of Sale Postponement Letter via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A”. Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. X %\ ‘ €farlene Broussard A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On December 9 2025 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person{s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. | certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature (Seal) ADELINA R, LARSON Notary Public - California $an Diego County § Commission # 2810140 & My Comm. Expires Feb 15, 2029 Exhibit A to Declaration of Mailing Postal Class: Electronic - Ret Mail Date: 12/08/2025 Sender: ZBS Law, LLP Type of Mailing: ORPPLTR 30 Corporate Park Drive, Suite 450 Attachment: 0200177-01 000 20251207 Zieve000336 Irvine CA 92606 1 71969002484102118041 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 3 71969002484102118065 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 5 71969002484102118089 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/O FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 7 71969002484102118102 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 9 71968002484102118119 CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 11 71969002484102118133 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 87633 13 71969002484102118157 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 15 71969002484102118171 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 17 71969002484102118188 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 19 71969002484102118201 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 21 71969002484102118232 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 23 71969002484102118263 CURRENT OCCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 25 71969002484102118294 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 Exhibit A to Declaration of Mailing Postal Class: First Class Mail Date: 12/08/2025 Sender: ZBS Law, LLP Type of Mailing: ORPPLTR 30 Corporate Park Drive, Suite 450 Attachment: 0200177-01 000 20251207 Zieve000336 Irvine CA 92606 2 (11)8700000214487644 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 4 (11)9700000214487651 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 4517TH ST. SW WASHINGTON, DC 20410 6 (11)9700000214487682 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/O FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 8 (11)9700000214487699 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 10 (11)9700000214487705 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 12 (11)8700000214487712 CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 14 (11)9700000214487729 CRIMSON BACIGALUP| AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 16 (11)9700000214487736 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 87603 18 (11)9700000214487743 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 20 (11)9700000214487767 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 22 (11)9700000214487781 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 24 (11)9700000214487804 CURRENT OCCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 26 (11)9700000214487828 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 AFFIDAVIT OF MAILING ZBS Law, LLP Mailing Number 0203007-01 T.S. No.: 25-74796 Loan No.: STATE OF California } COUNTY OF San Diego The declarant, whose signature appears below, states that (s)he is over the age of eighteen (18) years; is employed in San Diego County at 9620 Ridgehaven Court, Suite A, San Diego, CA 92123; by iMailTracking, LLC acting on behalf of ZBS Law, LLP and that on 2/4/2026, (s)he caused to be mailed copies of the document titled Notice of Sale Postponement Letter via certified or registered mail and first class mail with postage prepaid, and that such envelope was sealed and deposited in the mail and addressed to the person(s) in attached Exhibit “A™, Additional Services provided during the production of this mail order (if any): None I declare under penalty of perjury that the foregoing is true and correct. X / — Cl{adenic Broussard A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On February 5 2026 before me, Adelina R. Larson , personally appearedCharlene Broussard, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on this instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. ADELINA R. LARSON Notary Public - California 3 San Diego County H Commission # 2510160 My Comm. Expires Feb 15, 2029 Signature (Seal) Exhibit A to Declaration of Mailing Postal Class: Electronic - Ret Mail Date: 02/04/2026 Sender: ZBS Law, LLP Type of Mailing: ORPPLTR 30 Corporate Park Drive, Suite 450 Attachment: 0203007-01 000 20260203 Zieve000336 Irvine CA 92606 1 02148969002484000000389767 FREEDOM MORTGAGE CORPORATION 951 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 3 92148969002484000000389781 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 5 82148969002484000000389811 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/O FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 7 92148969002484000000389835 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 9 92148969002484000000389873 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 11 92148969002484000000389903 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 13 92148969002484000000389934 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 15 92148969002484000000389965 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 17 92148965002484000000389989 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 19 92148969002484000000390015 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 87633 21 92148969002484000000390046 SPOUSE OF CRIMSON BACIGALUP! AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97833 23 92148969002484000000380084 CURRENT OCCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 25 92148969002484000000390114 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 Exhibit A to Declaration of Mailing Postal Class: First Class Mail Date: 02/04/2026 Sender: ZBS Law, LLP Type of Mailing: ORPPLTR 30 Corporate Park Drive, Suite 450 Attachment: 0203007-01 000 20260203 Zieve000336 Irvine CA 92606 2 (11)9700000218767186 FREEDOM MORTGAGE CORPORATION 851 YAMATO RD., SUITE 175 BOCA RATON, FL 33431 4 (11)9700000218767193 SECRETARY OF HOUSING AND URBAN DEVELOPMENT 451 7TH ST. SW WASHINGTON, DC 20410 6 (11)9700000218767230 SECRETARY OF HOUSING AND URBAN DEVELOPMENT C/O FREEDOM MORTGAGE CORP. C/O MORTGAGE CONNECT, LP ATTN: LOAN MOD PROCESSING TEAM 600 CLUBHOUSE DRIVE MOON TOWNSHIP, PA 15108 8 (11)9700000218767261 JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 10 (11)9700000218767285 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 12 (11)8700000218767322 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 14 (11)9700000218767346 CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 16 (11)9700000218767377 SPOUSE OF JUSTIN ERIC BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OR 97603 18 (11)8700000218767384 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 4749 HARLAN DR KLAMATH FALLS, OR 97603 20 (11)9700000218767407 SPOUSE CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES PO BOX 275 MERRILL, OR 97633 22 (11)9700000218767438 SPOUSE OF CRIMSON BACIGALUPI AKA CRIMSON ROSE EKLES 612 W 3RD ST. MERRILL, OR 97633 24 (11)9700000218767445 CURRENT OCCUPANT 4749 HARLAN DR KLAMATH FALLS, OR 97603 26 (11)9700000218767452 RESIDENTIAL TENANTS 4749 HARLAN DR KLAMATH FALLS, OR 97603 RECORDING COVER SHEET FOR NOTICE OF SALE PROOF OF COMPLIANCE PER ORS 205.234 Original Beneficiary Name: MORTGAGE ELECTRONIC REGISTRATION SYST EMS, INC. (* FOR SUMMIT FUNDING, INC., BENEFICIARY OF THE SECURITY INSTRUMENT, ITS SUCCESSORS AND ASSIGNS Current Beneficiary Name: Freedom Mortgage Corporation Trustor Name: JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI Original Trustee Name: AMERITITLE, LLC. Original trust deed recorded: 1/26/2022, as Instrument No. 2022-001008, TS NO. 25-74796 After recording return to: ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, OR 97035 (503) 946-6558 MERS™), AS DESIGNATED NOMINEE RECORDING COVER SHEET TRUSTEE’S NOTICE OF SALE TS NO.: 25-74796 Reference is made to that certain Deed of Trust (hereinafter referred as the Trust Deed) made by JUSTIN ERIC BACIGALUPI AND CRIMSON BACIGALUPI as Grantor to AMERITITLE, LLC., as trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS DESIGNATED NOMINEE FOR SUMMIT FUNDING, INC., BENEFICIARY OF THE SECURITY INSTRUMENT, ITS SUCCESSORS AND ASSIGNS, as Beneficiary, dated 1/21/2022, recorded 1/26/2022, as Instrument No. 2022-001008, in mortgage records of Klamath County, Oregon covering the following described real property situated in said County and State, to-wit: BEGINNING AT A POINT ON THE SOUTHWESTERLY BOUNDARY LINE OF TRACT 36, HOMEDALE, A PLATTED SUBDIVISION IN KLAMATH COUNTY, OREGON, WHICH IS NORTH 43° 30' WEST A DISTANCE OF 90 FEET FROM THE MOST SOUTHERLY CORNER OF SAID TRACT 36; THENCE NORTH 46° 30' EAST PARALLEL TO THE SOUTHEASTERLY BOUNDARY OF SAID TRACT 180 FEET TO THE SOUTHWESTERLY BOUNDARY LINE OF THAT CERTAIN PARCEL CON VEYED TC CHARLES A. BECKWITH AND MARY R. BECKWITH, HUSBAND AND WIFE, BY DEED DATED AND RECORDED MARCH 3, 1948 IN BOOK 217, PAGE 421, DEED RECORDS OF KLAMATH COUNTY, OREGON; THENCE NORTH 43° 30' WEST ALONG SAID SOUTHWESTERLY BOUNDARY LINE OF SAID BECKWITH TRACT 57.15 FEET TO THE SOUTHEAST CORNER OF THAT CERTAIN PARCEL OF LAND CONVEYED TO ROY C. KING AND BLANCH KING, HUSBAND AND WIFE, BY DEED DATED OCTOBER 3, 1952 AND RECORDED OCTOBER 13, 1952 IN BOOK 257, PAGE 203, DEED RECORDS OF KLAMATH COUNTY, OREGON; THENCE NORTH 89° 48" WEST ALONG THE SOUTHERN BOUNDARY LINE OF SAID KING PARCEL 47.4 FEET TO THE MOST EASTERLY CORNER OF THAT CERTAIN PARCEL OF LAND CONVEYED TO JOHN KNIGHT AND PRISCILLA A. KNIGHT, HUSBAND AND WIFE, BY DEED DATED FEBRUARY 25, 1948 AND RECORDEDN MARCH 8, 1948 IN DEED BOOK 218, PAGE 7, DEED RECORDS OF KLAMATH COUNTY, OREGON; THENCE SOUTH 46° 30' WEST ALONG THE SOUTHEASTERLY BOUNDARY LINE OF SAID KNIGHT TRACT 145.69.FEET, MORE OR LESS, TO THE SOUTHWESTERLY BOUNDARY LINE OF SAID TRACT 36; THENCE SOUTH 43° 30' EAST ALONG SAID SOUTHWESTERLY LINE OF SAID TRACT 36 TO THE PLACE OF BEGINNING. The street address or other common designation, if any for the real property described above is purported to be: 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 The Tax Assessor’s Account ID for the Real Property is purported to be: 3909-011BA-01100 | 550727 Both the beneficiary and the trustee, ZBS LAW, LLP have elected to foreclose the above referenced Trust Deed and sell the said real property to satisfy the obligations secured by the Trust Deed and a Notice of Default and Election to Sell has been recorded pursuant to ORS 86.752(3). All right, title, and interest in the said described property which the grantors had, or had power to convey, at the time of execution of the Trust Deed, together with any interest the grantors or their successors in interest acquired after execution of the Trust Deed shall be sold at public auction to the highest bidder for cash to satisfy the obligations secured by the Trust Deed and the expenses of sale, including the compensation of the trustee as provided by law, and the reasonable fees of trustee’s attorneys. The default for which the foreclosure is made is: The monthly installment of principal and interest which became due on 1/1/2025, late charges, and all subsequent monthly installments of principal and interest. _ You are responsible to pay all payments and charges due under the terms and conditions of the loan documents which come due subsequent to the date of this notice. including, but not limited to, foreclosure trustee fees and costs, advances and late charges. Furthermore, as a condition to bring your account in good standing, you must provide the undersigned with written proof that you are not in default on any senior encumbrance and provide proof of insurance. Nothing in this notice should be construed as a waiver of any fees owing to the beneficiary under the deed of trust, pursuant to the terms and provisions of the loan documents. The amount required to cure the default in payments to date is calculated as follows: From: 1/1/2025 Total of past due payments: $6,575.41 Late Charges: $120.75 Additional charges (Taxes, Insurance, Corporate Advances, Other Fees): $3,111.86 Trustee’s Fees and Costs: $1,391.50 Total necessary to care: $11,199.52 Please note the amounts stated herein are subject to confirmation and review and are likely to change during the next 30 days. Please contact the successor trustee ZBS LAW, LLP, to obtain a “reinstatement’ and or “payoff” quote prior to remitting funds. By reason of said default the beneficiary has declared all sums owing on the obligation secured by the Trust Deed due and payable. The amount required to discharge this lien in its entirety to date is: $120,868.21 Said sale shall be held at the hour of 10:00 AM on 11/7/2025 in accord with the standard of time established by ORS 187.110, and pursuant to ORS 86.771(7) shall occur at the following designated place: Inside the main lobby of the Klamath County Courthouse, 316 Main St, Klamath Falls, OR 97601 Other than as shown of record, neither the said beneficiary nor the said trustee have any actual notice of any person having or claiming to have any lien upon or interest in the real property hereinabove described subsequent to the interest of the trustee in the Trust Deed, or of any successor(s) in interest to the grantors ot of any lessee or other person in possession of or occupying the propetty, except: NONE Notice is further given that any person named in ORS 86.778 has the right, at any time prior to five days before the date last set for sale, to have this foreclosure proceeding dismissed and the Trust Deed reinstated by payment to the beneficiary of the entire amount then due (other than such portion of the principal as would not then be due had no default occurred) and by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation(s) of the Trust Deed, and in addition to paying said sums or tendering the performance necessary to cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and Trust Deed, together with the trustee’s and attorney’s fees not exceeding the amounts provided by ORS 86.778. The mailing address of the trustee is: ZBSLAW,LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, OR 97035 (503) 946-6558 In construing this notice, the masculine gender includes the feminine and the neuter, the singular includes plural, the word “grantor” includes any successor in interest to the grantor as well as any other persons owing an obligation, the performance of which is secured by said trust deed, the words “trustee” and ‘beneficiary” include their respective successors in interest, if any. Without limiting the trustee’s disclaimer of representations or warranties, Oregon law requires the trustee to state in this notice that some residential property sold at a trustee’s sale may have been used in manufacturing methamphetamines, the chemical components of which are known 1o be toxic. Prospective purchasers of residential property should be aware of this potential danger before deciding to place a bid for this property at the trustee’s sale. pated: Sume 11, Q035 ZBS Law, LLP By: @‘ / (k/g‘/“"/- Dirk Schouten, OSB#115153 ZBS Law, LLP Authorized to sign on behalf of the trustee NOTICE: YOU ARE IN DANGER OF LOSING YOUR PROPERTY IF YOU DO NOT TAKE ACTION IMMEDIATELY TS NO.: 25-74796 This notice is about your mortgage loan on your property at: 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 Your lender has decided to sell this property because the money due on your mortgage loan has not been paid on time or because you have failed to fulfill some other obligation to your lender. This is sometimes called “foreclosure.” The amount you would have to pay as of 6/19/2025 to bring your mortgage loan current was $11,199.52. {See enclosed Notice of Sale for additional details regarding this amount.} The amount you must now pay to bring your loan current may have increased since that date. By law, your lender has to provide you with details about the amount you owe, if you ask. You may call (503) 946-6558 t0 find out the exact amount you must pay to bring your mortgage loan current and to get other details about the amount you owe. You may also get these details by sending a request by certified mail to: 5 Centerpointe Dr., Suite 400 Lake Oswego, OR 97035 (503) 946-6558 THIS IS WHEN AND WHERE YOUR PROPERTY WILL BE SOLD IF YOU DO NOT TAKE ACTION Sale Date: 11/7/2025 Time: 10:00 AM Place: Inside the main lobby of the Klamath C.ounty Courthouse, 316 Main St, Klamath Falls, OR 97601 THIS IS WHAT YOU CAN DO TO STOP THE SALE: 1. You can pay the amount past due or correct any other default, up to five days before the sale. 9. You can refinance or otherwise pay off the loan in full anytime before the sale. 3. You can call Freedom Mortgage Corporation at 855-690-5900/317-537-3821 to find out if your lender is willing to give you more time or change the terms of your loan. 4. You can sell your home, provided the sale price is enough to pay what you owe. There are government agencies and nonprofit organizations that can give you information about foreclosure and help you decide what to do. For the name and telephone number of an organization near you, please call the statewide telephone contact number at 800-SAFENET (800-723-3638). You may also wish to talk toa lawyer. If you need help finding a lawyer, you may call the Oregon State Bar’s Lawyer Referral Service at 503-684-3763 or toll-free in Oregon at 800-452-7636 or you may visit its website at: www.osbar.org. Legal assistance may be available if you have a low income and meet federal poverty guidelines. For more information and a directory of legal aid programs, g0 10 http://www.oregonlawhelp.org. If youarea veteran of the armed forces, assistance may be available from a county veterans’ service officer or community action agency. Contact information for a local county veterans service officer and community action agency may be obtained by calling a 2-1-1 information service. If you wish to claim protection under the Servicemembers Civil Relief Act, please provide this office with your name and social security number so we can verify such protections. WARNING: You may get offers from people who tell you they can help you keep your property. You should be carefu! about those offers. Make sure you understand any papers you are asked to sign. If you have questions, talk to a lawyer or one of the organizations mentioned above before signing. Dated: 6/19/2025 Trustee Name: ZBS Law, LLP Trustee Signature:\D e S L~ Dirk Schouten, OSB#115153 78S Law, LLP ] Authorized to sign on behalf of the trustee Trustee telephone number: 503-946-6558 NOTICE TO RESIDENTIAL TENANTS The property in which you are living is in foreclosure. A foreclosure sale is scheduled for 11/7/2025. The date of this sale may be postponed. Unless the lender that is foreclosing on this property is paid before the sale date, the foreclosure will go through and someone new will own this property. After the sale, the new owner is required to provide you with contact information and notice that the sale took place. The following information applies to you only if you are a bona fide tenant occupying and renting this property as a residential dwelling under a legitimate rental agreement. The information does not apply to you if you own this property or if you are not a bona fide residential tenant. If the foreclosure sale goes through, the new owner will have the right to require you to move out. Before the new owner can requirc you to move, the new owner must provide you with written notice that specifies the date by which you must move out. If you do not leave before the move-out date, the new owner can have the sheriff remove you from the property after a court hearing. You will receive notice of the court hearing. IF YOU ARE A BONA FIDE TENANT OCCUPYING AND RENTING THIS PROPERTY AS A RESIDENTIAL DWELLING, YOU HAVE THE RIGHT TO CONTINUE LIVING IN THIS PROPERTY AFTER THE FORECLOSURE SALE FOR: * 60 DAYS FROM THE DATE YOU ARE GIVEN A WRITTEN TERMINATION NOTICE, IF YOU HAVE A FIXED TERM LEASE; OR * AT LEAST 30 DAYS FROM THE DATE YOU ARE GIVEN A WRITTEN TERMINATION NOTICE, IF YOU HAVE A MONTH-TO-MONTH OR WEEK-TO-WEEK RENTAL AGREEMENT. If the new owner wants to move in and use this property as a primary residence, the new owner can give you written notice and require you to move out after 30 days, even though you have a fixed term lease with more than 30 days left. You must be provided with at least 30 days’ written notice after the foreclosure sale before you can be required to move. A bona fide tenant is a residential tenant who is not the borrower (property owner) or a child, spouse or parent of the borrower, and whose rental agreement: » Is the result of an arm’s-length transaction; * Requires the payment of rent that is not substantially less than fair market rent for the property, unless the rent is reduced or subsidized due to a federal, state or local subsidy; and * Was entered into prior to the date of the foreclosure sale. FORECLOSURE SALE: RENT YOU SHOULD CONTINUE TO PAY RENT TO YOUR LANDLORD UNTIL THE PROPERTY IS SOLD OR UNTIL A COURT TELLS YOU OTHERWISE. IF YOU DO NOT PAY RENT, YOU CAN BE EVICTED. BE SURE TO KEEP PROOF OF ANY PAYMENTS YOU MAKE. You may apply your security deposit and any rent you paid in advance against thc current rent you owe your landlord as provided in ORS 90.367 (Application of security deposit or prepaid rent after notice of foreclosure). To do this, you must notify your landlord in writing that you want to subtract the amount of your security deposit or prepaid rent from your rent payment. You may do this only for the rent you owe your current landlord. If you do this, you must do so before the foreclosure sale. The business or individual who buys this property at the foreclosure sale is not responsible to you for any deposit or prepaid rent you paid to your landlord. The new owner that buys this property at the foreclosure sale may be willing to allow you to stay as a tenant instead of requiring you to move out after 30 or 60 days. After the sale, you should receive a written notice informing you that the sale took place and giving you the new owner’s name and contact information. You should contact the new owner if you would like to stay. If the new owner accepts rent from you, signs a new residential rental agreement with you or does not notify you in writing within 30 days after the date of the foreclosure sale that you must move out, the new owner becomes your new landlord and must maintain the property. Otherwise: * You do not owe rent; « The new owner is not your landlord and is not responsible for maintaining the property on your behalf; and * You must move out by the date the new owner specifies in a notice to you. The new owner may offer to pay your moving expenses and any other costs or amounts you and the new owner agree on in exchange for your agreement to leave the premises in less than 30 or 60 days. You should speak with a lawyer to fully understand your rights before making any decisions regarding your tenancy. IT IS UNLAWFUL FOR ANY PERSON TO TRY TO FORCE YOU TO LEAVE YOUR DWELLING UNIT WITHOUT FIRST GIVING YOU WRITTEN NOTICE AND GOING TO COURT TO EVICT YOU. FOR MORE INFORMATION ABOUT YOUR RIGHTS, YOU SHOULD CONSULT A LAWYER. If you believe you need legal assistance, contact the Oregon State Bar and ask for the lawyer referral service. Contact information for the Oregon State Bar is included with this notice. If you do not have enough money to pay a lawyer and are otherwise eligible, you may be able to receive legal assistance for free. Information about whom to contact for free legal assistance is included with this notice. If this property includes a dwelling unit that is subject to ORS chapter 90 and an individual occupies the unit under a bona fide tenancy, the purchaser may obtain possession by following the procedures set forth in ORS 105.105 to 105.168 and by using the complaint form provided in ORS 1035.124 or 105.126. Oregon State Bar Lawyer Referral Service: 503-684-3763 or toll-free in Oregon at 800-452-7636 Legal Aid Services of Oregon: 1-800-520-5292 ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 (714) 848-7920 NOTICE TO OCCUPANTS OF PENDING ACQUISITION Date: 8/19/2025 OCCUPANTS 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 HUD/FHA Case No.: 431-7456791-703- T.S. No: 25-74796 203B AVISO IMPORTANTE PARA PERSONAS DE HABLA HISPANA. ] ESTO LS UN AVISO MUY IMPORTANTE. SINO ENTIENDE EL CONTENIDO, OBTENGA UNA TRADUCCION INMEDIATAMENTE. SI USTED NO RESPONDE DENTRO DE VEINTE (20) DIAS, PUEDE QUE TENGA QUE MUDARSE DE LA CASA O APARTAMENTO EN QUE VIVE. Dear Occupant: The mortgage for the property in which you are living is in foreclosure as a result of the property owner’s default. Within the next 60 to 90 days, title to the property is expected to be transferred to Freedom Mortgage Corporation. Some time thereafter, ownership of the property will probably be transferred to the Secretary of Housing and Urban Development (HUD). HUD generally requires that there be no one living in properties conveyed to the Secretary as a result of a foreclosure. As the Federal Housing Administration’s (FHA) single family program is a mortgage insurance program, it must sell all acquired properties and use the proceeds of sale to help replenish the FHA Mortgage Insurance Fund. Itis not a rental program. There are other programs within HUD that assist in making rental housing available. However, before Freedom Mortgage Corporation conveys the property to HUD, you may be entitled to remain in the property for some period of lime, pursuant to federal, state, or local law. If applicable, a separate notice regarding occupancy rights will be provided to you when complete title to the property is transtferred to Freedom Mortgage Corporation. If you are not entitled to remain in the property under federal, state, or local law, you may nevertheless be cligible to remain in the property upon conveyance to 1TUD, if certain conditions are met, as described in the document “Conditions for Continued Occupancy” which is attached to this letter (Attachment 3). To be considered for continued oceupancy upon conveyance to HUD, you must submit a written request to HUD within 20 days of the date at the top of this letter or the property must be vacated before the time HUD is scheduled to acquire it. Oral requests will not be accepted. Please use the cnclosed. Form HUD-9539, Request for Occupied Conveyance (Attachment 1) in making your request, as it gives HUD information it needs to make its decision. You must send vour request and the enclosed Request for Verification of Employment {Attachment 2) to Information Systems & Networks Corporation HUDs Mortgagee Compliance Manager (MCM) at the following address: ISN Western Operation Center, Attn: Mortgage Compliance Manager, 2000 N Classen Blvd #3200, Oklahoma City, OK 73106. Toll Free: 1- 888-619-7835, Fax 1-405-602-1520. As the occupant requesting the occupied conveyance, you have sole responsibility for submission of a signed Verification of Employment form with your Occupied Conveyance request. 1 Publication September 2015 Effective November 1, 2015 If you or a member of your household suffers [rom an illness or injury that would be aggravated by the process of moving from the property, please also provide supporting documentation of the illness or injury. This documentation must include a projection of the datc that the individual could be moved without aggravating the illness or injury and a stateraent by a state-certified physician establishing the validity of your claim. Please ensure that you include all required documentation with your request; incomplete requests will be denied. Additional information that you wish to include with your request may be written on additional pages that you attach to the Request for Occupied Conveyance form. IFHUD approves your request to remain in the property, you will be required to sign a month-to-month lease and pay rent at the prevailing fair market rate. If HUD does not in fact become owner of this property, any decision it may make with respect to your continued occupancy will no longer apply. Your right to continued occupancy of the property under HUD’s Occupied Conveyance policies will only be temporary, depending on the circumstances. as described in Attachment 4, Temporary Nature of Continued Occupancy. For assistance in finding affordable housing, you may wish to contact one or more of HUD"s approved housing counseling agencies. These agencies usually provide services at little or no cost. A counselor may be able to recommend other organizations that can also be of assistance. If you have access to the Internet, you may locate a local housing counseling agency by visiting the following webpage: http://www hud.gsov/offices/hsg/sth/hec/hes.cfm. Alternatively, youmay call the HUD Housing Counseling and Referral Line, weekdays between 9:00 am and 5:00 pm EST. The Referral Line telephone number is (800) 569-4287. If you have any questions concerning this notice, please contact Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg. 4, Fishers, IN 46037-7939, , 855-690-5900/317-537-3821. SPECTAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY If ycu have received a Chapter 7 discharge under the Bankruptcy Code of the United States or if your mortgage is the type which has been discharged pursuant to a completed Chapter 13 plan, this notice is not intended and does not constitute an attempt to collect a debt against you personally. If the foregoing applies to you, this notice is sent to you only as a preliminary step to a foreclosure on the mortgage against the above-referenced property. Provisions may be contained within your mortgage/deed of trust that requires notice prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt. In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT that you or your bankruptcy attorney contact us immediately and provide us with the following information: date and jurisdiction of your filing, your case and the bankruptcy chapter number in which you have filed. Sincerely, Lisa Hackney, VP of Trustee Operations Attachments: Attachment 1 (Request for Occupied Conveyance — form HUD - 9539) Attachment 2 (Request for Verification of Employment) NOTE: Mortgagees may use their own standard employment verification forms. 2 Publication September 2015 Effective November 1, 2015 Attachment 3 (Conditions for Continued Occupancy) Attachment 4 (Temporary Nature of Continued Occupancy) Publication September 2015 Attachment 1 (Request for Occupied Conveyance - Form HUD - 9539) (Attach to Mortgagee’s Notice to Occupant of Pending Acquisition) Request for U.S. Department of Housing OMB Approval No. 2502-0429 (exp. 12/31/2017) . and Urban Development Occupled Conveyance Office of Housing - Federal Housing Commissioner Public reporting burden for this collection of information is estimated to average 0.25 hours per morfgagee and 0.5 hours per occupant, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Privacy Act Statement: The Department of Housing and Urban Develepment (HUD) is authorized to collect this information by 24 CFR 203.675 (b)(3). Section 165 of the Housing and Community Development Act of 1987, 42 U.S.C. 3543, requires persons applying for assistance under [{UD programs to furish his or her Social Security Number (SSN). The information will enable HUD to determine whether vou qualify as a tenant, to maintain tenant rental accounts, and will provide the basis for facilitating the management and administration of the property disposition program. The information will be released to the local real estate broker who manages the property to facilitate property management. The information may be used to Facilitate collection of overdue rents and may be released to collection agencies, consunur reporting and commercial credit agencies. and attorneys hired by the Department. It may also be released to appropriate Federal, State, and local agencies to facilitate collection of rent and, when relevant, to civil, criminal, or regulatory investigations or prosecutions. The information will not be otherwise disclosed or releascd outside of HUD, cxcept as permitted or required by law. You must provide all of the information requested, including all SSNs you and all other household members age six (6) years of age and older, have and use. Giving the SSNs of all fumily members 6 years of age and older is mandatory: failure to provide the SSNs will affect your eligibility in the program. Failure to provide the requested information may result in a delay crrejection of your request to remain as an occupant. This form does not supersede the Mortgagee’s and/or Servicer’s required compliance to the Protecting Tenants at Foreclosure Act (PTFA). This form must be completed by the Occupant(s). When completed. send to HUD's Mortgagee Compliance Manager (MCM). The address, fax, or email information of HUD's current MCM can be tiund at hitp:#/www.hud gov/afficeshsp/sflvnsc/mem.chin or you can call 1-800-Call-FHA Property Address: Unit No.: City, Suate & Zip Code: Name of Mortgage Company (Lender): Mortgagee Loan No.: | FHA Case No.: Dear Sir: I(We) desire to continue in occupancy as a temant of this property if acquired by HUD. (We) have lived in this property since - (please insert date). (We) will sign a month-to-month lease and pay one month's rent within 15 days of the lease being presented to me(us). I(We) believe that I(we) can afford to make monthly rental payments. In my(our) opinion, this property, in its present condition is structurally sound, free from health and safety hazards, and is otherwise habitable. You may contact me(us) for arranging a convenient time for HUD's required inspection at the following telephone number or my(our) representative at . (HUD must be able to make contact during normal working hours.) I(We) understand that HUD's approval of my(our) request will, in part, be based on my(our) ability to make monthly rental payments. To assist HUD in making its determination, I(we) submit the following information conceming my(our) income: Occupents Name: Occupation Social Security No.: Gross Pay Per Month: Employer’s Name & Address: Employer’s Telephone No.: Spousa’s Name: Occup?ti?n' Social Security No.: Gross Pay Per Month Employer’s Name & Address: Employer’s Telephone No.: Names & Social Security Nos. of all Other Household Members 6 yrs. or older: Other Family Income (explain): Other Sources of Income (if any) Obligations (list all obligations including car loans, instaliment payments, and credit cards) Creditor’s Name: Address (including city, state & zip code) Present Balance Monthly Payment $ $ You have my (our) permission to contact any of the above for verification purposes. Occupant’s Signature : Spouse’s Signature ; Date : X X X Ref. Handbook 4310.5 Form HUD-9539 (11/10) Publication Seprember 2015 Effective November I, 2015 Attachment 2 (Request for Verification of Employment - Fannie Mae From 1005) (Attach to Morigagee’s Notice 1o Occupant of Pending Acquisition) Request for Verification of Employment Privacy Act Notice: This information is to be used by (he agency collecting 1t or 1ts assignees in determining whether you qualify as a prospective mortgagor under us program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. Seq (if HUIYFHA); by 42 USC, Section 1452h (it HUI)/CPD); and Title 42 USC, 1921 et. Seq (if USDA/FmHA). Lender - Complete items | through 7. Have applicant complete item 8. Forward direcily to employer named in item 1. Employer - Please complete either Part [[ or Part III as applicable. Complete Part [V and return directly fo lender named in item 2. The form is to be transmitted directly to the lender and is not to be transmitted through the applicant or any other party. Instructions Part I — Request | To (Name and address of employer) 2. From (Name and address of lender) 1 certify that this verification has been sent directly to the employer and has not passes through the hands of the applicant or any other interested party. 3. Signature of Lender 4. Title 5. Date 6. Lender’s Number (Optional) 7. Name and Address of Applicant (include employee or badge number) 8. Signature of Applicant Part 11 - Verification of Present Employment 9. Applicant’s Date of Employment 10. Present Position 11. Probability of Continued limployment 12A. Current Gross Base Pay (Enter Amount and Check Period) 13 For Military Persormnel Only 14 1f Overtime or Bonus is Applicable, - Is Its Continuance L ikely? O Annual O Hourly Pay Grade Y O Monthly O Other (Specify) Type Monthly Amount Overtime O Yes 0 No $ 0 Weekly — Base Pay $ Bonus O Yes O No 12B. Gross Eamings . Past Yoar Pas Year 15. If paid hourly - average hours per Type Year to Datc Rations ¥ week 16. Date of applicant’s next pay increase Base Pay g‘h:u 1 $ % Flight or $ Hazard Clothing $ Overtime $ $ $ . . . Quarters $ 17. Projected amount of next pay increase Commissions $ $ $ Pro Pay $ 18. Date of applicant’s last pay increase Overseas or Bonus § $ $ Combat $ Variable Housing 19 Amount of Jast pay increasc " Tolal $ $ $ Allowance $ 20. Remarks (If cmployee was off work for any length of time, please indicate time period and reason) PART III - Verification of Previous Employment 21. Date Hired 23. Salary / Wage at Termination Per (Year) (Month) (Week) 22. Date Terminated Basc Overtime Comumissions Bonus 24, Reason for Leaving 25, Position Held PART IV - Authorized Signature - Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed (o influence the issuance of any guaranty or insurance by the VA Secretary, the U.S.D.A., FmHA / FHA Commissioner, or the HUD / CPD Assistant Secretary 26. Signature of Employer 27. Title (Please print or type) 28. Date 29. Print or type name signed in Item 26 30. Phone No. Fannie Mae Form 1005 July 96 Publication September 2015 Effective November 1, 2015 Attachment 3 (Conditions for Continued Occupancy) (Attach to Morigagee's Notice (o Occupant of Pending Acquiisition) HUD’s Oceupied Conveyance Procedures CONDITIONS FOR CONTINUED OCCUPANCY Unless eviction is prohibiled by state or local law. or by circumstances beyond the control of your lender, the following conditions must be met before HUD can approve the occupied conveyance of an acquired property. HUD will determine whether these conditions have been met at HUD's sole and absolute discrction, pursuant to autharity provided in FHA occupied conveyance regulations at 24 CFR §§ 203.670-681 and additional guidance provided by the Department: [ You agree to sign a month-to-month lease at fair market rent at the time HUD acquires the property and on a form prescribed by HUD (note: if you qualify for continued occupation based on Item 6.b. below, you will need to pay one month’s rent in advance at the time the lease is executed): Your total housing cost (rent plus utility costs) will not exceed 38 percent of your net income. However, a higher percentage may be permitted if you have been paying at least the required rental amount or there are other compensating factors, such as savings or family assistance; You agree Lo allow access to the property, during normal business hours and with two days advance notice, by HUD staff or HUD representatives (including real estate brokers) so that the property can be inspected, repaired, or shown to prospective purchasers; You disclose the complete and accurate Social Security Number assigned to you and to each member of your household; and You submit your request and supporting documentation within 20 days as provided in the attached Notice to Occupant of Pending Acquisition; and At least one of the following two sets of conditions has been met: a. Anindividual residing in the property suffers from a permanent, temporary, or long-term illness or injury that would be aggravated by the process of moving from the property, or ‘b. HUD determines that it is in HUD’s interest to accept your continued occupation based on criteria described in 24 CFR § 203.671, provided that the property is habitable as described in 24 CFR § 203.673, and that at the time your lender acquires title to the property, you will have lived: in the property for at least 90 days. Publication September 2015 Effective November 1, 2015 Attachment 4 (Temporary Nature of Continued Occupancy) (Attach to Mortgagee's Notice to Occupant of Pending Acquisition) HUD’s Occupied Conveyance Procedures TEMPORARY NATURE OF CONTINUED OCCUPANCY This is to advise you that occupancy of HUD-owned property is temporary in all cases and is subject to termination to facilitate preparing the property for sale and completing the sale. Temporary means that your lease arrangement with HUD is subject to termination at the convenience of the government upon 30 days notice, or otherwise in accordance with applicable law. You should not view your occupancy of the property as a permanent or [ong-term arrangement. It is HUD’s policy to ask you to vacate the property and, if necessary, take appropriate eviction action for the following, causes: L. 2. Your failure to execute the lease; Your failure to pay the required rent, including the initial payment at the time of execution of the leasc; Your failure to comply with the terms of the lease; Your failure to allow access to the property upon request to accomplish necessary repairs, inspect the property, or allow real estate brokers to show the property to prospective purchasers; Necessity to facilitate preparation of the property for sale and for completion of the sale; or Assignment of the property by HUD to a different use or program. Publication September 2015 Effective November 1, 2015 ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 (714) 848-7920 NOTICE TO OCCUPANTS OF PENDING ACQUISITION Date: 8/19/2025 JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 HUD/FHA Casc No.: 431-7456791-703- T.S. No: 25-74796 203B AVISO IMPORTANTL PARA PERSONAS DE HABLA HISPANA. ] ESTO ES UN AVISO MUY IMPORTANTE. SI NO ENTIENDE EL CONTENIDO, OBTENGA UNA TRADUCCION INMEDIATAMENTE. SI USTED NO RESPONDE DENTRO DE VEINTE (20) DIAS, PUEDE QUE TENGA QUE MUDARSE DE LA CASA O APARTAMENTO EN QUE VIVE. Dear JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI The morlgage for the property in which you are living is in foreclosure as a result of the property owner’s default. Within the next 60 to 90 days, title to the property is expected to be transferred to Freedom Mortgage Corporation. Some time thereafter, ownership of the property will probably be transferred to the Secretary of Housing and Urban Development (HUD). HUD generally requires that there be no one living in properties conveyed to the Scerctary as a result of a foreclosure. As the Federal Housing Administration’s (FHA) single family program is a mortgage insurance program, it must sell all acquired properties and use the proceeds of sale to help replenish the FHA Mortgage Insurance Fund. 1t is not a rental program. There are other programs within HUD that assist in making rental housing available. However, before Freedom Mortgage Corperation conveys the property to HUD, you may be entitled to remain in the property for some period of time, pursuant to federal, state, or local law. [{ applicable, a separatc notice regarding occupancy rights will be provided to you when complete title to the property is transferred to Freedom Mortgage Corporation. If you are not entitled to remain in the property under lederal, state, or local law, you may nevertheless be eligible to remain in the property upon conveyance to HUD, if certain conditions are met, as described in the document “Conditions for Continued Occupancy™ which is attached to this letter (Attachment 3). To be considered for continued occupancy upon conveyance to HUD, you must submit a written request to HUD within 20 days of the date at the top of this letter or the property must be vacated before the time HUD is scheduled to acquire it. Oral requests will not be accepted. Please use the enclosed, Form 1TUD-9539, Request for Occupied Conveyance (Attachment 1) in making your request, as it gives HUD information it needs to make its decision. You must send your request and the enclosed Request for Verification of Employment (Attachment 2) to Information Systems & Networks Corporation HUD’s Mortgagee Compliance Manager (MCM) at the following address: ISN Western Operation Center, Attn: Mortgage Compliance Manager, 2000 N Classen Blvd #3200, Oklahoma City, OK 73106. Toll Free: 1-888-619-7835, Fax 1-405-602- 1520 As the occupant requesting the occupied conveyance, you have sole responsibility for submission of a signed Verification of Employment form with your Occupied Conveyance request. 1 Publication September 2015 Effeciive November 1, 2013 If you or a member of your household suffers from an illness or injury that would be aggravated by the process of moving from the property, please also provide supporting documentation of the illness or injury. This documentation musl include a projection of the date that the individual could be moved without aggravating the illness or injury and a staternent by a statc-certified physician cstablishing the validity of your claim. Please ensure that you include all required documentation with your request; incomplete requests will be denicd. Additional information that you wish to include with your request may be written on additional pages that you attach to the Request for Occupied Conveyance form., If HUD approves your request to remain in the property, you will be required to sign a month-to-month lease and pay r2nt at the prevailing fair market rate. If HUD does not in fact become owner of this property, any decision it may makz with respect to your continued occupancy will no longer apply. Your right to continued occupancy of the property under HUD’s Occupied Conveyance policies will only be temporary, depending on the circumstances, as described in Attachment 4, Temporary Nature of Continued Occupancy. For assistance in {inding aflordable housing, you may wish to contact one or more of HUD’s approved housing coursseling agencies. These agencies usually provide services at little or no cost. A counselor may be able to recommend other organizations that can also be of assistance. If you have access to the Internet, you may locate a local housing courseling agency by visiting the following webpage: http://www.hud.gov/offices/hsg/sth/hec/hes.cfim, Alternatively, you ray call the HUD Housing Counseling and Referral Line, weekdays between 9:00 am and 5:00 pm EST. The Referral Line telephone number is (800) 569-4287. If you have any questions concerning this notice, please contact Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg. 4, Fishers, IN 46037-7939, , 855-690-5900/317-537-3821. SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY If you have received a Chapter 7 discharge under the Bankruptcy Code of the United States or if your mortgage is the type which has been discharged pursuant to a completed Chapter 13 plan, this notice is not intended and does not constitute an attempt to collect a debt against you personally. If the foregoing applies to you, this notice is sent to you only as a preliminary step to a foreclosure on the mortgage against the above-referenced property. Provisions may be contained within your mortgage/deed of trust that requires notice prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt. In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT that you or your bankruptcy attorney contact us immediately and provide us with the following information: date and jurisdiction of your filing, your case and the bankruptcy chapter number in which you have filed. Sincerely, Lisa Hackney, VP of Trustee Operations Attachments: Attachment 1 (Request for Occupied Conveyance - form HUD - 9539) Attachment 2 (Request for Verification of Employment) NOTE: Mortgagees may use their own standard cmployment verification forms. 2 Publication September 2015 Effective November 1, 2015 Attachment 3 (Conditions for Continued Occupancy) Attachment 4 (Temporary Nature of Continued Occupancy) Publication September 2015 Attachment 1 (Request for Occupied Conveyance — Form HUD - 9539) (Attach to Mortgagee's Notice to Occupant of Pending Acquisition) Request fOl‘ U.S. Department of Housing OMB Approval No. 2502-0429 (exp. 12/31/2017) and Urban Development Occ “pled Conveyance Office of Housing - Federal Housing Commissioner Public reporting burden for this collection of information is estimated to average 0.25 hours per mortgagee and 0.5 hours per occupant, including the tune lor reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Privacy Act Statement: The Department of {lousing and Urban Development (HUD) is authorized to collect this information by 24 CFR 203.675 (b)(3). Section 165 of the Housing and Community Development Act of 1987, 42 U.S.C. 3543, requires persons applying for assistance under HUD programs to furnish his or her Social Security Number (S8N). The information will enable HUD to determine whether you qualify as a tenant. to maintain tenant rental accounts, and will provide the basis for facilitating the management and administration of the property disposition program. The information will be released to the local real estate broker who manages the property to facilitate property management. The information may be used to facilitate collection of overdue rents and may be released to collection agencies, consurr.cr reporting and commercial credit agencies, and attorneys hired by the Department. It may also be releascd to appropriate Federal, State, and local agencics to facilitate colfection of rent and. when relevant, to civil, criminal, or regulatory investigations or prosecutions. The information will not be otherwise disclosed or released outside of HUD, except as permitted or required by faw. You must provide all of the information requested, including all SSN's you and all other household members age six (6) years ol age and older, have and use. Giving the SSNs of all family members ¢ years of age and older is mandatory; failure to provide the SSNs will affect your eligibility in the program. Failure to provide the requested information may result in a delay or rejection of your request to remain as an occupant. This form does not supersede the Mortgagee's and/or Servicer’s required compliance to the Protecting Tenants at Foreclosure Act (PTFA). This foan must be completed by the Occupant(s). When completed, send to HUD's Mortgagee Compliance Manager (MCM). The address, fax, or email information of HUD's current MCM can be found at hitp iwww hud gov/officesthsersih/nse/muim.c fin or you can call 1-800-Call-FHA Property Address: | Unit No.: City, State & Zip Code Name of Mortgage Company (Lender): Mortgagee Loan No.: . | FHA Case No. Dear Sir: I(We) desire to continue in occupancy as a tenant of this property if acquired by HUD. (We) have lived in this property since N (please insert date). I(We) will sign a month-to-month lease and pay one month's rent within 15 days of the lease being presented to me{us). (We) believe that I(we) can afford to make monthly rental payments. In my(our) opinion, this property, in its present condition is structurally sound, free from health and safety hazards, and is otherwise habitable, You may contact me(us) for arranging a convenicnt time for HUD's required inspection at the following telephone number or my(our) representative at . (HUD must be able to make contact during normal working hours.) 1(We) understand that HUD's approval of my(our) request will, in part, be based on my(our) ability to make monthly rental payments. To assist HUD in making its determination, l{we) submit the following information conceming my(our) income: Occupents Name: Occupation: Social Security No.: Gross Pay Per Month: Employer’s Name & Address: Employer’s Telephone No. Spouse’s Name: Qccupation: Social Security No.: Gross Pay Per Month: Emplover’s Name & Address: ] Employer’s Telephone No.: Names & Social Sccurity Nos. of all Other Household Members 6 yrs. or older: Other Family Income (explain) Other Sources of Income (if any): Obligations (list all obligations including car loans, installment payments, and credit cards) Creditor’s Name: Address (including city, state & zip code) Present Balance Monthly Payment $ $ You have my {our) permission to contact any of the above for verification purposes. Occupant’s Signature Spouse’s Signature : Date X X X Ref. Handbook 4310.5 Form HUD-9539 (11/10) Publication September 2015 Effective November 1, 2015 Attachment 2 (Request for Verification of Employment — Fannie Mae From 1005) (Attach to Morigagee's Notice (o Occupant of Pending Acquisition) Request for Verification of Employment Privacy Act Notice: This information is {0 be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. Seq (it HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1921 et. Seq (if USDA/FmHA). Instructions | Lender - Complete items | through 7. Have applicant complete item 8. Forward dircctly to employer named in item | Employer - Please complete either Part IT or Part III as applicable. Complete Part IV and return directly to lender named in item 2. The form is to be transmitted directly to the lender and is not to be transmitted through the applicant or any other party. Part [ — Request 1. To (Name and address of employer) 2. From (Name and address of lender) [ certify that this verification has been sent directly to the employer and has not passes through the hands of the applicant or any other interested party. 3. Signature of Lender 4. Title 5 Date 6. Lender’s Number {Optional) 7. Name and Address of Applicant (include employee or badge number) 8. Signature of Applicant Part II - Verification of Present Employment 9. Applicant’s Date of Employment 10. Present Position 11. Probability of Continued Employment I2A. Current Gross Base Pay {Enter Amount and Check Period) 13. For Military Personnel Only 14 If Overtime or Bonus is Applicable, < Is Its Continuance Likely? O Annual O Hourly Pay Grade ’ I Monthly O Other (Specify) Tvpe Monthly Amount Overtime O Yes O No $ O Weekly Bonus 0 Yes O No - Base Pay $ 12B. Gross Eamings - 15 Tf paid hourly - average hours per - - s id howrly - Type Year to Date Past Year Past Year Rations 3 week Thru 19 ] 16. Date of applicant’s next pay increase Base Pay — $ 5 Flight or $ Hazard Clothing $ Overtime 3 $ $ ; Quarters $ 17. Projected amount of next pay increase Commissions | $ $ $ Pro Pay $ 18. Date of applicant’s last pay increase Overseas or Bonus 3 $ 3 Combat $ ) . Variahle Housing 19. Amount of last pay increase Total $ $ $ Allowance 3 20. Remarks (If employee was off work for any length of time, please indicate time period and reasou) PART III - Verification of Previous Employment 21. Date Hired 23. Salary / Wage at Termination Per (Year) (Month) (Week) 22. Date Terminated Base Overtime Commissions Bonus 24. Reason for Leaving 25. Position Held PART IV - Authorized Signature - Federal statutes provide severe penalties for any fraud, intentional misrepresentation, or criminal connivance or conspiracy purposed to influence the issuance of any guaranty or insurance by the VA Secretary, the U.S.D.A., FmHA / FHA Commissioner, or the HUD / CPD Assistant Secretary 26. Signature of Employer 27. Title (Please print or type) ‘ 28. Date 29. Print or type name signed in Item 26 30. Phone No. Fannie Mac Form 1005 July 96 A Publication September 2015 Effective November 1, 2013 Attachment 3 (Conditions for Continued Occupancy) (attach to Morigagee's Notice to Qccupant of Pending Acquisition) HUD’s Occupied Conveyance Procedures CONDITIONS FOR CONTINUED OCCUPANCY Unless eviction is prohibited by state or local law, or by circumstances bevond the control of your lender, the following conditions must be met before HUD can approve the occupied conveyance of an acquired property. HUD will determine whether these conditions have been met at HUD’s sole and absolute discretion, pursuant to autharity provided in FHA occupied conveyance regulations at 24 CFR §§ 203.670-681 and additional guidance provided by the Department: L. i3 |97 You agree to sign a month-to-month lease at fair market rent at the time HUD acquires the property and on a form prescribed by HUD (note: if you qualify for continued occupation based on Item 6.b. below, you will need to pay one month’s rent in advance at the time the lease is executed): Your total housing cost (rent plus utility costs) will not exceed 38 percent of your net income. However, a higher percentage may be permitted if you have been paying at least the required rental amount or there are other compensating factors, such as savings or family assistance; You agree to allow access to the property, during normal business hours and with two days advance notice, by HUD staff or HUD representatives (including real estate brokers) so that the property can be inspected, repaired, or shown to prospectlive purchasers; You disclose the complete and accurate Social Security Number assigned to you and to each member of your household; and You submit your request and supporting documentation within 20 days as provided in the attached Notice to Occupant of Pending Acquisition; and At least one of the following two sets of conditions has been met: a. An individual residing in the property suffers from a permanent, temporary, or long-term illness or injury that would be aggravated by the process of moving from the property, or b. HUD determines that it is in HUD’s interest to accept your continued occupation based on criteria described in 24 CFR § 203.671, provided that the property is habitable as described in 24 CFR § 203.673, and that at the time your lender acquires title to the property, you will have lived in the property for at least 90 days. Publication September 2015 Effective November 1, 2013 Attachment 4 (Temporary Nature of Continued Occupancy) (Attach to Morrgagee’s Notice to Occupant of Pending Acquisition) HUD’s Occupied Conveyance Procedures TEMPORARY NATURE OF CONTINUED OCCUPANCY This is to advise you that occupancy of HUD-owned property is temporary in all cases and is subject to termination to facilitate preparing the property for sale and completing the sale. Temporary means that your lease arrangement with HUD is subject to termination at the convenience of the government upon 30 days notice, or otherwise in accordance with applicable law. You should not view your occupancy of the property as a permanent or long-term arrangement. It is HUD'’s policy to ask you to vacate the property and, if necessary, take appropriate eviction action for the following causes: 1. Your failure to execute the lease; [ Your failure to pay the required rent, including the initial payment at the time of execution of the lease; 3. Your failure to comply with the terms of the lease; 4. Your failure to allow access to the property upon request to accomplish necessary repairs, inspect the property, or allow real estate brokers to show the property to prospective purchasers; 5. Necessity to facilitate preparation of the property for sale and for completion of the sale; or 6. Assignment of the property by HUD to a different use or program. Publication September 2013 Fffective November 1, 2015 ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 Phone: (714) 848-7920 NOTICE OF POSTPONEMENT OF TRUSTEE’S SALE October 29, 2025 JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 RE: T.S. Number: 25-74796 Loan Number: 0152514816 Trustor Name: JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI Property Address: 4749 HARLAN DR ) = KLAMATH FALLS, OREGON 97603 Please be advised that the Trustee’s Sale scheduled for November 7, 2025 at 10:00 AM, Inside the main lobby of the Klamath County Courthouse, 316 Main St, Klamath Falls, OR 97601 County of Klamath, State of Oregon, is hereby continued to December 12, 2025 at 10:00 AM YOU MAY NOT RECEIVE WRITTEN NOTICE OF POSTPONEMENT EACH TIME THE TRUSTEE’S . SALE IS POSTPONED. TO PROTECT YOUR INTEREST IN THE PROPERTY, IT IS IMPORTANT THAT YOU MONITOR ALL POSTPONEMENTS OF THE TRUSTEE’S SALE. Y ou may monitor trustee’s sale postponements by attending the scheduled trustee’s sale at the place in the notice of trustee’s sale and at the date and time in the most recent public declaration of postponement. While a public declaration at the time set for trustee’s sale is the official method for postponing a trustee’s sale, you can also obtain information about further trustee’s sale postponements by calling (714) 730- 2727 ot through the following website: www.lpsasap.com and by accepting the terms and conditions for that resource. Notice of Postponement of the Trustee's Sale was read at the place and time scheduled for the previously scheduled Trustee's Sale. If you have any questions or concerns regarding this information contained herein, please do not hesitate to contact our office al (714) 848-7920 Sincerely, ZBS Law, LLP This office is enforcing a security interest of your creditor. To the extent that your obligation has been discharged by a bankruptcy court or is subject to an automatic stay of bankruptey, this notice is for informational purposes onty and does not constitute a demand for payment or any attempt to collect such obligation. ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 (714) 848-7920 NOTICE TO OCCUPANTS OF PENDING ACQUISITION Date: 12/7/2025 OCCUPANTS 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 ITUD/FTIA Case No.: 431-7456791-703- T.S. No: 25-74796 203B AVISO IMPORTANTE PARA PERSONAS DE HABLA HISPANA. ] ESTO ES UN AVISO MUY IMPORTANTE. SI NO ENTIENDE EL CONTENIDO, OBTENGA UNA TRADUCCION INMEDIATAMENTE. S USTED NO RESPONDE DENTRO DE VEINTE (20) DIiAS, PUEDE QUE TENGA QUE MUDARSE DE LA CASA O APARTAMENTO EN QUE VIVE. Dear Occupant: The mortgage for the property in which you are living is in foreclosure as a result of the property owner’s default. Within the next 60 to 90 days, title to the property is expected to be transferred to Freedom Mortgage Corporation. Sonie time thereafter, ownership of the property will probably be transferred to the Secretary of Housing and Urban Development (HUD). HUD generally requires that there be no one living in properties conveyed to the Secretary as a result of a foreclosure. As the Federal Housing Administration’s (FHA) single family program is a mortgage insurance program, it must sell all acquired properties and use the proceeds of sale to help replenish the FHA Mortgage Insurance Fund. It is not a rental program. There are other programs within HUD that assist in making rental housing available. However, before Freedom Mortgage Corporation conveys the property to HUD, you may be entitled to remain in the property for some period of time, pursuant to federal, state, or local law. If applicable, a separate notice regarding occupancy rights will be provided to you when complete title to the property is transferred to Freedom Mortgage Corporation. If you are not entitled to remain in the property under federal, state, or local law, you may nevertheless be eligible to remain in the property upon conveyance to HUD, if certain conditions are met, as described in the document “Conditions for Continued Occupancy™ which is attached to this letter (Attachment 3). To be considered for continued occupancy upon conveyance to HUD, you must submit a written request to HUD within 20 days of the date at the top of this letter or the property must be vacated before the time HUD is scheduled to acquire it, Oral requests will not be accepted. Please use the enclosed, Form HUD-9539, Request for Occupied Conveyance (Attachment 1) in making your request, as it gives HUD information it needs to make its decision. You must send your request and the enclosed Request for Verification of Employment (Attachment 2) to Information Systems & Networks Corporation HUD's Mortgagee Compliance Manager (MCM) at the following address: ISN Western Operation Center, Attn: Mortgage Compliance Manager, 2000 N Classen Blvd #3200, Oklahoma City, OK 73106. Toll Free: 1- 888-619-7835, Fax 1-405-602-1520. As the occupant requesting the occupied conveyance, you have sole responsibility for submission of a signed Verification of Employment form with your Occupied Conveyance request. 1 Publication September 2015 Effective November 1, 2015 If you or a member of your household suffers from an illness or injury that would be aggravated by the process of moving from the property, please also provide supporting documentation of the illness or injury. This documentation must include a projection of the date that the individual could be moved without aggravating the illness or injury and a statement by a state-certified physician establishing the validity of your claim. Please ensure that you include all required documentation with your request; incomplete requests will be denied. Additional information that you wish to include with your request may be written on additional pages that you attach to the Request for Occupied Conveyance form. If HUD approves your request to remain in the property, vou will be required to sign 2 month-to-month lease and pay rent at the prevailing fair market rate. If HUD does not in fact become owner of this property, any decision it may make with respect to your continued occupancy will no longer apply. Your right to continued occupancy of the property under HUD’s Occupied Conveyance policies will only be temporary, depending on the circumstances, as described in Attachment 4, Temporary Nature of Continued Occupancy. For assistance in finding affordable housing, you may wish to contact one or more of HUD’s approved housing courseling agencies. These agencies usually provide services at little or no cost. A counselor may be able to recommend other organizations that can also be of assistance. If you have access to the Internet, you may locate a local housing counseling agency by visiting the following webpage: http:/‘'www.hud.gov/offices/hse/sth/hec/hes.cfim. Alternatively, you may call the HUD Housing Counseling and Referral Line, weekdays between 9:00 am and 5:00 pm EST. The Referral Line telephone number is (800) 569-4287. If you have any questions concerning this notice, please contact Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg. 4, Fishers, IN 46037-7939, , 855-690-5900/317-537-3821. SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY If you have received a Chapter 7 discharge under the Bankruptcy Code of the United States or if your mortgage is the type which has been discharged pursuant to a completed Chapter 13 plan, this notice is not intended and does not constitute an attempt to collect a debt against you personally. If the foregoing applies to you, this notice is sent to you only as a preliminary step to a foreclosure on the mortgage against the above-referenced property. Provisions may be contained within your mortgage/deed of trust that requires notice prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt. In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT that you or your bankruptcy attorney contact us immediately and provide us with the following information: date and jurisdiction of your filing, your case and the bankruptcy chapter number in which you have filed. Sincerely, Kellie Barnes, Trustce Sale Officer Attachments: Attachment 1 (Request for Occupied Conveyance — form HUD - 9539) Attachment 2 (Request for Verification of Employment) NOTE: Mortgagees may use their own standard employment veritication forms. 2 Publication September 2015 Effective November 1, 2015 Attachment 3 (Conditions for Continued Occupancy) Attachment 4 (Temporary Nature of Continued Occupancy) Paihlicatioon Semtenihor 2075 Attachment 1 (Request for Occupied Conveyance — Form HUD - 9539) (Attach to Mortgagee's Notice to Occupant of Pending Acquisition) Request for U.S. Depa]-tment of Housing OMB Approval No. 2502-0429 (exp. 12/312017) and Urban Development Occupled Conveyance Office of Housing - Federal Housing Commissioner Public reporting burden for this collection of information is estimated to average 0.25 hours per mortgagee and 0.5 hours per occupant, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Privacy Act Statement: The Department of Housing and Urban Development (HUD) is authorized to collect this information by 24 CFR 203.675 (b)(3). Section 165 of the Housing and Community Development Act of 1987, 42 U.S.C. 3543, requires persons applying for assistance under HUD programs to furnish his or her Social Security Number (SSN}. The information will enable HUD to determine whether vou gualify as a tenant, to maintar: tenant rental accounts, and will provide the basis for facilitating the fes and administration of the property disposition program. The information will be released to ihe local real estate broker who manages the property to facilitate property management. The information may be used to facilitate collection of overdue rents and may be released 10 collection agencies, consumer reporting and commercial credit agencies, and attorneys hired by the Department. It may also be released to appropriate Federal, State, and local agencies to facilitate collection of rent and, when relevant. to civil, criminal, or regulatory investigations or prosecutions. The information will not be otherwise disclosed or released outside of HUD, except as permitted or required by law. You must provide all of the information requested, including all SSNs you and all other houschold members age six (6) years of age and older, have and use. Giving the SSNs of all family members 6 years of age and older is mandatory; failure to provide the SSNs will affect your eligibility in the program. Failure to provide the requested information may result in a delay or rejection of your request to remain as an occupant. This fexm does not supersede the Mortgagee’s and/or Servicer’s required compliance to the Protecting Tenants at Forcclosure Act (PTFA). This form must be completed by the Occupant(s). When completed, send to HUD's Mortgagee Compliance Manager (MCM). The address, fax, or email information of HUD's current MCM can be found at btp . Avew hnd.povioffices't nsc/menm.ctn or you can call 1-800-Call-FHA Property Address: ‘ Unit No.: City, Srate & Zip Code: Name of Mortgage Company (Lender): Mortgagee Loan No.: ‘ FHA Case Na.: Dear Sir: I(We) desire to continue in occupancy as a tenant of this property if acquired by HUD. I(We) have lived in this property since - (please insert date). I(We) will sign a month-to-month lease and pay one month's rent within 15 days of the lease being presented to me(us). I(We) believe that I(we) can afford to make monthly rental payments. In my(our) opinion, this property, in its present condition is structurally sound, free from health and safety hazards, and is otherwise habitable. You may contact me(us) for arranging a convenient time for HUD's required inspection at the following telephone number or my(our) representative at . (HUD must be abli to make contact during normal working hours.) [{(We) understand that HUD's approval of my(our) request will, in part, be based on my(our) ability to make monthly rental payments. To assist HUD in making its determination, I{we) submit the following information concerning my(our) income: Oceupranis Name: Occupation: Social Security No Gross Pay Per Month: Emplover’s Name & Address: Employer’s Telephone No.. Spouse’s Name: Occupation: Social Security No. Gross Pay Per Month: Emplover’s Name & Address: Employer’s Telephone No.: Names & Social Security Nos. of all Other Household Members 6 yrs. or older: Other Family Income (explain): Other Sources of Income (if any): Obligations (list all obligations including car Joans, installment payments, and credit cards) Creditor’s Name: Address (including city, state & zip code) Present Balance Monthly Payment $ $ You have my (our) permission to contact any of the above for verification purposes. Occupant’s Signature Spouse’s Signature : Date : X X X Ref. 1landbook 4310.5 Form HUD-9539 (11/10) Publication September 2015 Effective November 1, 2015 Attachment 2 (Request for Verification of Employment — Fannie Mae From 1005) (Attach to Mortgagee's Notice to Occupant of Pending Acquisition) Request for Verification of Employment Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. Seq (if HUD/FHA), by 42 USC, Section 1452b (if HUD/CPD), and Title 42 USC, 1921 et. Seq (if USDA/FmHA) Lender - Complete items | through 7. Have applicant complete item 8. Forward directly to employer named in item 1. Employer - Please complete either Part I or Part 111 as applicable. Complete Part IV and return directly to lender named in ttem 2. The form is to be transmitted directly to the lender and is not to be transmitted through the applicant or any other party. Instructions Part I — Request 1. To (Name and address of employer) 2. From (Name and address of lender) 1 certify that this verification has been sent directly to the employer and has not passes through the hands of the applicant or any other interested party. 3. Signature of Lender 4. Title 5. Date 6. Lender’s Number (Optional) 7. Name and Address ot Applicant (include employee or badge number) 8. Signature of Applicant Part II - Verification of Present Employment 9. Applicant’s Date of Employment 10. Present Position 11. Probability of Continued Employment 12A. Current Gross Base Pay (Enter Amount and Check Period) 13. For Military Personnel Only 14. If Overtime or Bonus is Applicable, . ) Is Its Continuance Likely? O Annual O Hourly Pay Grade Y O Monthly [0 Other (Specity) Type Monthly Amount Overtime O Yes O No b 00 Weekly ' . Bonus O Yes 0 No — Base Pay $ 128, Gross Earnings - . - - Past Year Past Yomr ‘ 15. If paid hourly - average hours per Type Year to Date Rations $ week i 16. Date of applicant’s next pay inctease Base Pay ghm — 1 $ $ Flight or $ ) Hazard Clothing $ Overtime $ N $ Quarters $ 17. Projected amount of next pay increase Commissions $ $ $ Pro Pay $ . Overseas or 18. Date of applicant’s last pay increase Bonus $ $ $ Combat $ ) Variable Housing 19. Amount of last pay increase Total ‘ $ $ $ Allowance $ 20. Remarks (If employee was off work for any length of time, please indicate time period and reason) PART III - Verification of Previons Employment 21. Date Iired 23. Salary / Wage at Termination Per (Year) (Month) (Week) 22. Date Tenminated Base Overtime Commissions Bonus 24. Reason for Leaving 25. Position Held PART IV - Authorized Signature - Federal statutes provide severe penalties for any fraud, intentional misrcpresentation, or criminal connivance or conspiracy purposed to influence the issuance of any guaranty or insurance by the VA Secretary, the 1.S.1).A., FmHA / FHA Commissioner, or the HUD / CPD Assistant Secretary 26. Signature of Employer 27. Title (Please print or type) 28. Datc 29. Print or type name signed in Item 26 30. Phone No. Fannic Mae Form 1005 July 96 Publication September 2015 Effective November I, 2015 Attachment 3 (Conditions for Continued Occupancy) (Attach to Morigagee's Notice to Occupant of Pending Acquisition) HUD’s Occupied Conveyance Procedures CONDITIONS FOR CONTINUED OCCUPANCY Unless eviction is prohibited by state or local law, or by circumstances beyond the control of your lender, the following conditions must be met before HUD can approve the occupied conveyance of an acquired property. HUD will determine whether these conditions have been met at HUD’s sole and absolute discretion, pursuant to authority provided in FHA occupied conveyance regulations at 24 CFR §§ 203.670-681 and additional guidance provided by the Department: [ You agree to sign a month-to-month lease at fair market rent at the time HUD acquires the property and on a form prescribed by HUD (note: if you qualify for continued occupation based on Item 6.b. below, you will need to pay one month’s rent in advance at the time the lease is executed): Your total housing cost (rent plus utility costs) will not exceed 38 percent of your net income. However, a higher percentage may be permitted if you have been paying at least the required rental amount or there are other compensating factors, such as savings or family assistance; You agree to allow access to the property, during normal business hours and with two days advance notice, by HUD staff or HUD representatives (including real estate brokers) so that the property can be inspected, repaired, or shown to prospective purchasers; You disclose the complete and accurate Social Security Number assigned to you and to each member of your household; and You submit your request and supporting documentation within 20 days as provided in the attached Notice to Occupant of Pending Acquisition; and At least one of the following two sets of conditions has been met: a. An individual residing in the property suffers from a permanent, temporary, or long-term illness or injury that would be aggravated by the process of moving from the property. or b. HUD determines that it is in HUD’s interest to accept your continued occupation based on criteria described in 24 CFR § 203.671, provided that the property is habitable as described in 24 CFR § 203.673, and that at the time your lender acquires title to the property, you will have lived in the property for at least 90 days. Publication September 2015 Effective November 1, 2015 Attachment 4 (Temporary Nature of Continued Occupancy) (Attach to Mortgagee’s Notice to Occupant of Pending Acquisition) HUD’s Occupied Conveyance Procedures TEMPORARY NATURE OF CONTINUED OCCUPANCY This is to advise you that occupancy of HUD-owned property is temporary in all cases and is subject to termination to facilitate preparing the property for sale and completing the sale. Temporary means that your lease arrangement with HUD is subject to termination at the convenience of the government upon 30 days notice, or otherwise in accordance with applicable law. You should not view your occupancy of the property as a permanent or long-term arrangement. It is HUD’s policy to ask you to vacate the property and, if necessary, take appropriate eviction action for the following causes: 1. Your failure to execute the lease; 2. Your failure to pay the required rent, including the initial payment at the time of execution of the lease; 3. Your failure to comply with the terms of the lease; 4. Your failure to allow access to the property upon request to accomplish necessary repairs, inspect the property, or allow real estate brokers to show the property to prospective purchasers; 5. Necessity 1o [acilitate preparation of the property for sale and for completion of the sale; or 6. Assignment of the property by HUD to a different use or program. Publication September 2015 Effective November 1, 2015 ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 (714) 848-7920 NOTICE TO OCCUPANTS OF PENDING ACQUISITION Date: 12/7/2025 JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 HUD/FHA Case No.: 431-7456791-703- T.S. No: 25-74796 203B AVISO IMPORTANTE PARA PERSONAS DE HABLA HISPANA. ] ESTO ES UN AVISO MUY IMPORTANTE. SI NO ENTIENDE EL CONTENIDO, OBTENGA UNA TRADUCCION INMEDIATAMENTE. SI USTED NO RESPONDE DENTRO DE VEINTE (20) DIAS, PUEDE QUE TENGA QUE MUDARSE DE LA CASA O APARTAMENTO EN QUE VIVE, Dear JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI The mortgage for the property in which you are living is in foreclosure as a result of the property owner’s default. Within the next 60 to 90 days, title to the property is expected to be transferred to Freedom Mortgage Corporation. Some time thereafter, ownership of the property will probably be transferred to the Secretary of Housing and Urban Development (HUD). HUD generally requires that there be no one living in properties conveyed to the Secretary as a result of a foreclosure. As the Federal Housing Administration’s (FHA) single family program is a mortgage insurance program, it must sell all acquired properties and use the proceeds of sale to help replenish the FHA Mortgage Insurance Fund. It is not a rental program. There are other programs within HUD that assist in making rental housing available. However, before Freedom Mortgage Corporation conveys the property to HUD, you may be entitled to remain in the property for some period of time, pursuant to federal, state, or local law. 1f applicable, a separate notice regarding occupancy rights will be provided to you when complete title to the property is transferred to Freedom Mortgage Corporation. If you are not entitled to remain in the property under federal, state, or local law, you may nevertheless be eligible to remain in the property upon conveyance to HUD, if certain conditions are met, as described in the document “Conditions for Continued Occupancy” which is attached to this letter (Attachment 3). To be considered for continued occupancy upon conveyance to HUD, you must submit a written request to HUD within 20 days of the date at the top of this letter or the property must be vacated before the time HUD is scheduled to acquire it. Oral requests will not be accepted. Please use the enclosed, Form HUD-9539, Request for Occupied Conveyance (Attachment 1) in making your request, as it gives HUD information it needs to make its decision. You must send your request and the enclosed Request for Verification of Employment (Attachment 2) to Information Systems & Networks Corporation HUD’s Mortgagee Compliance Manager (MCM) at the following address: ISN Western Operation Center, Attn: Mortgage Compliance Manager, 2000 N Classen Blvd #3200, Oklahoma City, OK 73106. Toll Free: 1-888-619-7835, Fax 1-405-602- 1520 As the occupant requesting the occupied conveyance, you have sole responsibility for submission of a signed Verification of Employment form with your Occupied Conveyance request. 1 Publication September 2015 Effective November 1, 2015 If you or a member of your houschold suffers from an illness or injury that would be aggravated by the process of moving [rom the property, please also provide supporting documentation of the illness or injury. This documentation must include a projection of the date that the individual could be moved without aggravating the illness or injury and a statement by a state-certified physician establishing the validity of your claim. Please ensure that you include all required documentation with your request; incomplete requests will be denied. Additional information that you wish to include with your request may be written on additional pages that you attach to the Request for Occupied Conveyance form. If HUD approves your request to remain in the property, you will be required to sign a month-to-month lease and pay rent at the prevailing fair market rate. If HUD does not in fact become owner of this property, any decision it may make with respect to your continued occupancy will no longer apply. Your right to continued occupancy of the property under HUD’s Occupied Conveyance policies will only be temporary, depending on the circumstances, as described in Attachment 4, Temporary Nature of Continued Occupancy. For assistance in finding affordable housing, you may wish to contact one or more of HUD’s approved housing counseling agencies. These agencies usually provide services at little or no cost. A counselor may be able to recommend other organizations that can also be of assistance. If you have access to the Internet, you may locate a local housing counseling agency by visiting the following webpage: http.//www.hud.gov/offices/hsg/sfth/hee/hes.cfm. Alternatively, you may call the HUD Housing Counseling and Referral Line, weekdays between 9:00 am and 5:00 pm EST. The Referral Line telephone number is (800) 569-4287. If you have any questions concerning this notice, please contact Freedom Mortgage Corporation, 11988 Exit 5 Pkwy Bldg. 4, Fishers, IN 46037-7939, , 855-690-5900/317-537-3821. SPECIAL NOTICE IN THE EVENT YOU HAVE FILED BANKRUPTCY If you have received a Chapter 7 discharge under the Bankruptcy Code of the United States or if your mortgage is the type which has been discharged pursuant to a completed Chapter 13 plan, this notice is not intended and does not constitute an attempt to collect a debt against you personally. If the foregoing applies to you, this notice is sent to you only as a preliminary step to a foreclosure on the mortgage against the above-referenced property. Provisions may be contained within your mortgage/deed of trust that requires notice prior to foreclosure. As such, this is not an attempt to assert that you have any personal liability for this debt. In addition, if you have recently filed a petition under the Bankruptcy Code, this notice has been sent to you because we have not been notified of your bankruptcy case. If the foregoing applies to you, it is IMPORTANT that you or your bankruptcy attorney contact us immediately and provide us with the following information: date and jurisdiction of your filing, your case and the bankruptey chapter number in which you have filed. Sincerely, Kellie Barnes, Trustee Sale Officer Attachments: Attachment 1 (Request for Occupied Conveyance — form HUD - 9539) Attachment 2 (Request for Verification of Employment) NOTE: Mortgagees may use their own standard employment verification forms. 2 Publication September 2015 Effective November 1, 2015 Attachment 3 (Conditions for Continued Occupancy) Attachment 4 (Temporary Nature of Continued Occupancy) Publication September 2015 Attachment 1 (Request for Occupied Conveyance — Form HUD - 9539) (Attach to Mortgagee's Notice to Occupant of Pending Acquisition) : Req lleSt for U.S. Department of Housing OMB Approval No. 2502-0429 (exp. 12/31/2017) and Urban Development Occupwd Conveyance Office of Housing - Federal Housing Commissioner Public reporting burden for this collection of information is estimated to average 0.25 hours per mortgagee and 0.5 hours per occupant, including the time for reviewing instructions, searching existing: data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. Privacy Act Statement: The Department of Housing and Urban Development (HUD) is authorized to collect this information by 24 CFR 203.675 (b)(3). Scction 165 of the Housing and Community Development Act of 1987, 42 U.S.C. 3543, requires persons applying for assistance under HUD programs to furnish his or her Social Security Number (SSN). The information will enable HUD to determine whether you qualify as a tenant, to maintain tenant renfal accounts, and will provide the basis for facilitating the management and administration of the property disposition program. The information will be released to the local real estate broker who manages the property to facilitate property The information may be used to facilitate collection of averdue rents and may be released to collection agencies, consurrer reporting and commercial credit agencies, and attorneys hired by the Department. [t may also be released to appropriate Federal, State, and local agencies to facilitate collection of rent and. when relevant, to civil, criminat, or regulatory investigations or prosecutions. The information will not be otherwise disclosed or released outside of HUD, except as permitted or required by law. You must provide all of the informasion requested, inchuding all SSNs you and all other household members age six (6) years of age and older, have and use. Giving the SSNg of all fumily members 6 years of age and older is mandatery; failure to provide the $SNs will affect your eligibility in the program. Failure to provide the requested information may result in a delay or rejection of your request to remain as an occupant. This form does not supersede the Mortgagee’s and/or Servicer’s required compliance to the Protecting Tenants at Foreclosure Act (PTFA). This form must be completed by the Occupant(s). When completed, send to HUD's Mortgagee Compliance Manager (MCM). The address. fax, or email information of HUD's current MCM can be “ound at hitp i www hud oovnf¥ices b sth/ase e chn or you can call 1-800-Call-FHA Property Address: 1 Unit No.: City, State & Zip Code: Name of Mortgage Company (Lender): Mortgagee Loan No.: ‘ FHA Case No.: Dear Sir: I(We) desire to continue in occupancy as a tenant of this property if acquired by HUD. I(We) have lived in this property since . (please insert date). I(We) will sign a month-to-month lease and pay one month's rent within 15 days of the lease being presented to me(us). [(We) believe that I{we) can afford to make monthly rental payments. In my(our) opinion, this property, in its present condition is structurally sound, free from health and safety hazards, and is otherwise habitable. You may contact mc(us) for arranging a convenient time for HUD's required inspection at the following telephone number - or my(our) representative at . (HUD must be able to make contact during normal working hours.) 1(We) understand that HUD's approval of my{our) request will, in part, be based on my(our) ability to make monthly rental payments, To assist HUD in making its determination, I(we) submit the following information concerning my(our) income: Occupants Name: Occupation: Social Security No.: Gross Pay Per Month: Employer’s Name & Address: Employer’s Telephone No.: Spousc’'s Name: 7Orcrcupalion: Social Security No.: Gross Pay Per Month: Employer’s Name & Address: Employer’s Telephone No.: Names & Social Security Nos. of all Other Household Members 6 yrs. or older: Other Family Income (explain): Other Sources of Income (if any): Obligations (list all obligations including car loans, installment payments, and credit cards) Creditor’s Name: Address (including city, state & zip code) Present Balance Monthly Payment $ $ You have my (our) permission to contact any of the above for verification purposes. Occupant’s Signature | Spouse’s Signature : Date : X X X Ref. Handbook 4310.5 Form HUD-9539 (11/10) Publication September 2015 Effective November 1, 2015 Attachment 2 (Request for Verification of Employment — Fannie Mae From 1005) (Attach to Mortgagee's Notice to Occupant of Pending Acquisition) Request for Verification of Employment Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. 1t will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information. but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. Seq (if HUD/FHA), by 42 USC, Section 1452b (if HUD/CPDY); and Title 42 USC, 1921 e. Seq (if USDA/FmHA). Lender - Complete items 1 through 7. Have applicant complete item 8. Forward directly to employer numed in item 1. Employer - Please complete either Part IT or Part ITT as applicable. Complete Part IV and refurn directly to lender named in ifem 2. The form is to be transmitted directly to the lender and is not to be transmitted through the applicant or any other party. Instructions Part T — Request 1. To (Name and address of employer) 2. From (Name and address of lender) 1 certify that this verification has been sent directly to the employer and has not passes through the hands of the applicant or any other interested party. 3. Signature of Lender 4. Title 5. Date 6. Lender’s Number (Optional) 7. Name and Address of Applicant (include employee or badge number) 8. Signature of Applicant Part II - Verification of Present Employment 9. Applicant’s Date of Employment 10. Present Position 11. Probability of Continued Employment "12A. Current Gross Base Pay (Enter Amount and Check Period) 13. For Military Personnel Only 4. If Overtime or Bonus is Applicable, Is Its Continuance Likely? O Annual O Hourly Pay Grade . O Monthly O Other (Specify) Type Monthly Amount Overtime O Yes O No $ O Weekly Bonus O Yes O No - Base Pay $ 12B. Gross Earnings Past Year Past Yoar 15. If paid hourly - average hours per Type Year o Date Rations $ week 16. Date of applicant’s next pay increase Base Pay ;-hm — $ 5 Tlight or $ ! Hazard Clothing $ Overtime $ $ $ Quarters $ 17. Projected amount of next pay increase Commissions | § $ 3 Pro Pay $ 18. Date of applicant’s last pay increase Overseas or Bonus $ $ $ Combat $ Variable Housing 19. Amount of last pay increase Total $ $ $ Allowance 3 20. Remarks (If employee was off work for any length of time, please indicate time period and reason) PART III - Verification of Previous Employment 21. Date Hired 23. Salary / Wage at Termination Per (Year) (Month) (Week) 22. Date Terminated Base Overtime o Commissions Bonus 24 Reason for Leaving 25. Position Held PART 1V - Authorized Signature - Federal statutes provide severe penalties for any fraud, intentional misrepresentation, ot criminal connivance or conspiracy purposed to influence the issuance of any guaranty or insurance by the VA Secretary, the U.S.D.A., FmHA / FHA Commissioner, or the HUD / CPD Assistant Secretary 26. Signature of Employer 27. Title (Please print or type) 28. Date 29. Print or type name signed in [tem 26 30. Phone No Fannie Mac Form 1005 July 96 Publication September 2013 Effective November 1, 2015 Attachment 3 (Conditions for Continued Occupancy) (attach to Mortgagee’s Notice to Occupant of Pending Acquisition) HUD’s Occupied Conveyance Procedures CONDITIONS FOR CONTINUED OCCUPANCY Unless eviction is prohibited by state or local law, or by circumstances beyond the control of your lender, the following conditions must be met before HUD can approve the occupied conveyance of an acquired property. HUD will determine whether these conditions have been met at HUD’s sole and absolute discretion, pursuant to authority provided in FHA occupied conveyance regulations at 24 CFR §§ 203.670-681 and additional guidance provided by the Department: 1. [ o8] ») You agree to sign a month-to-month lease at fair market rent at the time HUD acquires the property and on a form prescribed by HUD (note: if you qualify for continued occupation based on Item 6.b. below, you will need to pay one month’s rent in advance at the time the lease is executed): Your total housing cost (rent plus utility costs) will not exceed 38 percent of your net income. However, a higher percentage may be permitted if you have been paying at least the required rental amount or there are other compensating factors, such as savings or family assistance; You agree to allow access to the property, during normal business hours and with two days advance notice, by HUD staff or HUD representatives (including real estate brokers) so that the property can be inspected, repaired, or shown to prospective purchasers; You disclose the complete and accurate Social Security Number assigned to you and to each member of your household; and You submit your request and supporting documentation within 20 days as provided in the attached Notice to Occupant of Pending Acquisition; and At least one of the following two sets of conditions has been met: a. Anindividual residing in the property suffers from a permanent, temporary, or long-term illness or injury that would be aggravated by the process of moving from the property, or b. HUD determines that it is in HUD’s interest to accept your continued occupation based on criteria described in 24 CFR § 203.671, provided that the property is habitable as described in 24 CFR § 203.673, and that at the time your lender acquires title to the property, you will have lived in the property for at least 90 days. Publication September 2015 Effective November 1, 2015 Attachment 4 (Temporary Nature of Continued Occupancy) (Attach to Mortgagee's Notice to Occupant nf Pending Acquisition) HUD’s Occupied Conveyance Procedures TEMPORARY NATURE OF CONTINUED OCCUPANCY This is to advise you that occupancy of HUD-owned property is temporary in all cases and is subject to termination to facilitate preparing the property for sale and completing the sale. Temporary means that your lease arrangement with HUD is subject to termination at the convenience of the government upon 30 days notice, or otherwise in accordance with applicable law. You should not view your occupancy of the property as a permanent or long-term arrangement. It is HUD’s policy to ask you to vacate the property and, if necessary, take appropriate eviction action for the following causes: 1. Your failurc to execute the lease; 2. Your failure to pay the required rent, including the initial payment at the time of execution of the lease; 3. Your failure to comply with the terms of the lease; 4. Your failure to allow access to the property upon request to accomplish necessary repairs, inspect the property, or allow real estate brokers to show the property to prospective purchasers; 5. Necessity to facilitate preparation of the property for sale and [or completion of the sale; or 6. Assignment of the property by HUD to a different use or program. Publication September 20115 Effective November 1, 2015 ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 Phone: (714) 848-7920 NOTICE OF POSTPONEMENT OF TRUSTEE’S SALE December 7, 2025 JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 RE: T.S. Number: 25-74796 Loan Number: 0152514816 Trustor Name: JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI Property Address: 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 Please be advised that the Trustee’s Sale scheduled for December 12, 2025 at 10:00 AM, Inside the main lobby of the Klamath County Courthouse, 316 Main St, Klamath Falls, OR 97601 County of Klamath, State of Oregon, is hereby continued to February 11, 2026 at 10:00 AM YOU MAY NOT RECEIVE WRITTEN NOTICE OF POSTPONEMENT EACH TIME THE TRUSTEE’S SALE IS POSTPONED. TO PROTECT YOUR INTEREST IN THE PROPERTY, IT IS IMPORTANT THAT YOU MONITOR ALL POSTPONEMENTS OF THE TRUSTEE’S SALE. You may monitor trustee’s sale postponements by attending the scheduled trustee’s sale at the place in the notice of trustee’s sale and at the date and time in the most recent public declaration of postponement. While a public declaration at the time set for trustee’s sale is the official method for postponing a trustee’s sale, you can also obtain information about further trustee’s sale postponements by calling (714) 730- 2727 or through the following website: www.Ipsasap.com and by accepting the terms and conditions for that resource. Notice of Postponement of the Trustee's Sale was read at the place and time scheduled for the previously scheduled Trustee's Sale. If you have any questions or concerns regarding this information contained herein, please do not hesitate to contact our office at (714) 848-7920 Sincerely, ZBS Law, LLP This office is enforcing a security interest of your creditor. To the extent that your obligation has been discharged by a bankrupicy court or is subject to an automatic stay of bankruptcy, this notice is for informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. ZBS Law, LLP 5 Centerpointe Dr., Suite 400 Lake Oswego, Oregon 97035 Phone: (714) 848-7920 NOTICE OF POSTPONEMENT OF TRUSTEE’S SALE February 3, 2026 JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPI 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 RE: T.S. Number: 25-74796 Loan Number: 0152514816 Trustor Name: JUSTIN ERIC BACIGALUPI and CRIMSON BACIGALUPIL Property Address: 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 Please be advised that the Trustee’s Sale scheduled for February 11, 2026 at 10:00 AM, Inside the main lobby of the Klamath County Courthouse, 316 Main St, Klamath Falls, OR 97601 County of Klamath, State of Oregon, is hereby continued to March 13, 2026 at 10:00 AM YOU MAY NOT RECEIVE WRITTEN NOTICE OF POSTPONEMENT EACH TIME THE TRUSTEE’S SALE IS POSTPONED. TO PROTECT YOUR INTEREST IN THE PROPERTY, IT IS IMPORTANT THAT YOU MONITOR ALL POSTPONEMENTS OF THE TRUSTEE’S SALE. You may monitor trustee’s sale postponements by attending the scheduled trustee’s sale at the place in the notice of trustee’s sale and af the date and time in the most recent public declaration of postponement. While a public declaration at the time set for trustee’s sale is the official method for postponing a trustee’s sale, you can also obtain information about further trustee’s sale postponements by calling (714) 730- 2727 or through the following website: www.Ipsasap.com and by accepting the terms and conditions for that resource. Notice of Postponement of the Trustee's Sale was read at the place and time scheduled for the previously scheduled Trustee's Sale. 1f you have any questions or concerns regarding this information contained herein, please do not hesitate to contact our office at (714) 848-7920 Sincerely, ZBS Law, LLP This office is enforcing a security interest of your creditor. To the extent that your obligation has been discharged by a bankruptcy court or is subject to an automatic stay of bankruptcy, this notice is for informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. PROOF OF SERVICE JEFFERSON STATE PROCESS SERVICE STATE OF: Oregon COUNTY OF: Klamath | hereby certify that | served the foregoing individuals or other legal entities to be served, named below, by delivering or leaving true copies or original, certified to be such by the Attomey for the Plaintiff/Defendant, as follows: TRUSTEE'S NOTICE OF SALE FOR THE WITHIN NAMED: All Occupants of 4749 Harlan Dr. Klamath Falls, OR 97603 [ JPERSONALLY SERVED: Original or True Copy to within named, personally and in person to ___atthe address below. [] SUBSITUTE SERVICE: By delivering an Original or True Copy to__, a person over the age of 14 who resides at the place of abode of the within named at said abode shown below for; XIOTHER METHOD: By posting the above-mentioned documents to the Main Entrance of the address below. 1% Attempt: June 24,2025 4:11 PM POSTED 2" Attempt: June 28, 2025 11:07 AM POSTED 3 Attempt: July 02,2025 3:27PM POSTED ] NON-OCCUPANCY: | certify that | received the within document(s) for service on __ and after personal inspection, | found the above described real property to be unoccupied. [ SUBSTITUTE SERVICE MAILER: That on the day of July 8, 2025 | mailed a copy of the Trustee's Notice of Sale addressed to All Known Occupants at the address stated in the Trustee's Notice of Sale with a statement of the date, time, and place at which substitute service was made. N . i , Sig@\ { i%jz’\\c/]\ CAT \Dw-& ‘\f?j 4749 Harlan Dr. Klamath Falls, OR 97603 ADDRESS OF SERVICE I further certify that I am a competent person 18 years of age or older and a resident of the state of service of the State of Oregon ang that I am not a party to nor an officer, director, or employee of nor attorney for any party, Corporation or otherwise, that the person, firm or corporation served by me is the identical person, firm, or Corporation named in the action. June 24, 2025 411PM ~ DATE OF SERVICE TIME OF SERVICE / ) 7 ] ornon occupancy I yays By: /f /%’71%/{/’5‘“ o Subscribed and sworn to before on this 08 day of _July , 2025. LT e e o T i o ?_’f‘ P 7 /?///:?f’/’?"‘{: A e ‘"»"? 4 !f e —— i 'COM?‘ Q. N i v | v COMMISSION EXPIRES MARCH 14,2027 | L A e ’ Notary Public for Oregon AFFIDAVIT OF PUBLICATION STATE OF OREGON COUNTY OF KLAMATH |, Teresa Poland, Advertising Director, being first duly sworn, depose and say thatamthe principal clerk of the publisher of the Herald and News a newspaper in general circulation, as defined by Chapter 193 ORS, printed and published at 2701 Foothills Blvd, Klamath Falls OR 97603 in the aforesaid county and state: that I know from my personal knowledge that the Legal #25386 ,TS#2574796 4749 Harlan Dr a printed copy of which is hereto annexed, was published in the entire issue of said newspaper for: 4 Insertion(s} in the following issues: 08/16/25, 08/23/25, ° 08/30/25, 08/06/25 Total Cost $2,041.02 Subscribedand sworn by Teresa Poland on: Q' /)- 2025. Notary Public of Oregon ' My Commiission Expires: 2/ /7/202 b OFFICIAL STAMP | CHARLEMNE M TRACY NOTARY PURLIC-OREGON - COMMISSION NO MY COMMISSION EXPIRES FESRUARY ‘f?f 1290—;: AD# 661822AD# M TRUSTEE’S NOTICE OF SALE TRUSTEE'S NOTICE OF SALE TSNO.: 25-74796 Reference is made to that certain Deed of Trust (hereinafter referred as the Trust Deed) made by JUSTIN ERIC BACIGALUPI AND CRIMSON BACIGALUPI as Grantor to AMERITITLE, LLC,, as trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, ING. {("MERS”), AS DESIGNATED NOMINEE FOR SUMMIT FUNDING, INC., BENEFICIARY OF THE SECURITY INSTRUMENT, ITS SUCCESSCRS AND ASSIGNS, as Beneficiary, dated 1/21/2022, recorded 1/26/2022, as Instrument No. 2022-001008, in mortgage records of Klamath Gounty, Oregon covering the following described real property situated in said County and State, fo-wit: BEGINNING AT A POINT ON THE SOUTHWESTERLY BOUNDARY LINE OF TRACT 36, HOMEDALE, A PLATTED SUBDIVISION IN KLAMATH COUNTY, OREGON, WHICH IS NORTH 43° 30’ WEST A DISTANCE OF 90 FEET FROM THE MOST SQUTHERLY COR- NER OF SAID TRACT 38; THENCE NORTH 46° 30° EAST PARALLEL TO THE SOUTHEASTERLY BOUNDARY OF SAID TRACT 180 FEET TO THE SCUTHWESTERLY BOUNDARY LINE OF THAT CERTAIN PARCEL CONVEYED 7O CHARLES A BECKWITH AND MARY R. BECKWITH, HUSBAND AND WIFE, BY DEED DATED AND RECORDED MARCH 3, 1948 IN BOOK 217, PAGE 421, DEED RECORDS OF KLAMATH COUNTY, OREGON; THENCE NORTH 43° 30' WEST ALONG SAID SOUTHWESTERLY BOUNDARY LINE OF SAID BECKWITH TRACT 57.15 FEETTO THE SOUTHEAST CORNER OF THAT CERTAIN PARCEL OF LAND CONVEYED TO ROY C. KING AND BLANCH KING, HUSBAND AND WIFE, BY DEED DATED OCTOBER 3, 1952 AND RECORDED OCTOBER 13, 1952 IN BOOK 257, PAGE 203, DEED RECORDS OF KLAM- ATH COUNTY, OREGON; THENCE NORTH 89° 48 WEST ALONG THE SOUTHERN BOUNDARY LINE OF SAID KING PARCEL 474 FEET TO THE MOST EASTERLY CORNER OF THAT CERTAIN PARCEL OF LAND CONVEYED TO JOHN KNIGHT AND PRISCILLA A. KNIGHT, HUSBAND AND WIFE, BY DEED DATED FEBRUARY 25, 1948 AND RECORDED MARCH 8, 1948 IN DEED BOOK 218, PAGE 7, DEED RECORDS OF KLAMATH COUNTY, OREGON; THENCE SOUTH 46° 30° WEST ALONG THE SOUTHEASTERLY BOUNDARY LINE OF SAID KNIGHT TRACT 145.69.FEET, MORE OR LESS, TO THE SOUTHWESTERLY BOUNDARY LINE OF SAID TRACT 36; THENCE SOUTH 43° 30" EAST ALONG SAID SOUTH- WESTERLY LINE OF SAID TRACT 36 TO THE PLACE OF BEGINNING. The street address or other common designation, if any for the real property described above is purported to be: 4749 HARLAN DR KLAMATH FALLS, OREGON 97603 The Tax Assessor’s Account ID for the Real Property is purported to be: 3909-011BA-01100 | 550727 Both the beneficiary and the trustee, ZBS LAW, LLP have elected 1o foreclose the above referenced Trust Deed and sell the said real property o satisfy fithe obligations secured by the Trust Deed and a Notice of Default and Election 1o Sell has been recorded pursuant to ORS I 86.752(3). All right, title, and interest in the said described property which the grantors had, or had power to convey, at the time of execution of the Trust Deed, together with any interest the grantors or their successors in interest acquired after execution of the Trust Deed shall be sold at public auction to the highest bidder for cash to satisfy the obligations secured by the Trust Deed and the expenses of sale, including the compensation of the trustee as provided by law, and the reasonable fees of trustee’s attorneys. The default for which the foreclosure is made is: The monthly instaliment of principal and interest which became due on 1/1/2025, late charges, and all subsequent monthly installments of principal and interest. You are responsible to pay all payments and charges due under the terms and conditions of the loan documents which come due subsequent to the date of this natice, including, but not limited to, foreciosure trustee fees and costs, advances and late charges. Furthermore, as a condition to bring your account in good standing, you must provide the undersigned with written procf that you are not in de- fault on any senior encumbrance and provide proof of insurance. Nothing in this notice should be construed as a waiver of any fees owing to the beneficiary under the deed of trust, pursuant to the terms and provisions of the loan documents. The amount required to cure the default in payments to date is calculated as follows: From: 1/1/2025 Total of past due payments: $6,575.41 Late Charges: $120.75 Additional charges (Taxes, Insurance, Corporate Advances, Other Fees); $3,111.86 Trustee's Fees and Costs: $1,391.50 Total necessary to cure: $11,198.52 Please note the amounts stated herein are subject to confirmation and review and are likely to change during the next 30 days. Please contact the successor trustee ZBS LAW, LLP , o cbtain a “reinstatement’ and or “payoff’ quote prior to remitting funds. By reason of said default the beneficiary has declared all sums owing on the obligation secured by the Trust Deed due and payable. The amount required to discharge this lien in its entirety to date is: $120,868.21 Said sale shall be held at the hour of 10:00 AM on 11/7/2025 in accord with the standard of time established by ORS 187,110, and pursuant to ORS 86.771(7) shall occur at the following designated place: Inside the main lobby of the Klamath County Courthouse, 316 Main St, Klamath Falls, OR 97601 Other than as shown of record, neither the said beneficiary nor the said trustee have any actual notice of any person having or claiming to have any lien upon or interast in the real property hereinabove described subsequent to the interest of the trustee in the Trust Deed, or of any successor(s} in inlerest to the grantors or of any lessee or other person in possession of or oceupying the property, except: NONE Notice is further given that any person named in ORS 86,778 has the right, at any time prior to five days before the date last set for sale, to have this foreclosure proceeding dismissed and the Trust Deed reinstated by payment to the beneficiary of the entire amount then due {other than such portion of the principal as would not then be due had no default occurred) and by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obli- gation(s) of the Trust Deed, and in addition to paying said sums or tendering the performance necessary to cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and Trust Deed, togsther with the trustee’s and attorney’s fees not excesding the amounts pravided by ORS 86.778. The mailing address of the trustee is: ZBS LAW, LLP 5 Centterpointe Dr., Suite 400 Lake Oswego, OR 97035 (503)846-6558 In construing this notice, the masculine gender includes the feminine and the neuter, the singular includes plural, the word “grantor” includes any successor in interest to the grantor as well as any other persons owing an obligation, the performance of which is secured by said trust deed, the words "trustee” and ‘beneficiary” include their respective successors in interest, if any. Without limiting the trustee’s disclaimer of representations or warranties, Oregon law requires the trustee to state in this notice that some residential property sold at a trustee's sale may have been used in manufacturing methamphetamines, the chemical components of which are known to be toxic. Prospective purchasars of residential property should be aware of this potential danger before deciding to place a bid for this property at the trustee’s sale. Dated: June 19, 2025 ZBS Law, LLP Dirk Schouten, 0OSB#115153ZBS Law, LLP Authorized to sign on behalf of the trustee A-4846419 08/16/2025, 08/23/2025, 08/30/2025, 09/06/2025 #25386 August 18, 23, 30, 2025, September 6, 2025