2026-001980 Klamath County, Oregon 03/05/2026 08:28:01 AM Fee: $252.00 Recording Requested By. When Recorded Mail to: Nathan F. Smith c/o Trustee Corps 606 W. Gowe Street Kent, WA 98032-5744 S No. OR05000052-24-1 APN 605063 | 605054 TO No. 240343779-OR-MSt AFFIDAVIT OF MAILING (Recorded Foreclosure Related Document: Affidavit of Mailing - Notice of Trustee Sale, Notice of Default and Beneficiary Exemption Affidavit or Certificate of Compliance, Affidavit of Compliance, Affidavit of Publication and Affidavit of Service) GRANTEE: TH MSR Holdings LLC GRANTOR: GORDON B. HAYES CURRENT TRUSTEE: Nathan F. Smith, OSB #120112 DECLARATION OF MAILING Reference No: OR0S000052-24 Mailing Number: 0309149-01 Type of Mailing: OR STATE OF CALIFORNIA 1SS COUNTY OF SAN DIEGO } I, Charlene Broussard , declare as follows: tam, and at all times herein mentioned, a citizen of the United States, over the age of eignteen years and a resident of San Diego Courty, California. 1 am not @ party to the action/matter identified in the document(s) referenced below. My business address is iMailTracking, LLC, 9620 Ridgehaven Ct., Ste. A, San Diego, CA 92123. At the request of Trustee Corps on 11/26/2025, | deposited in the United States mail a copy of the attached documentis), in separate sealed envelopes, in accordance with the checked mailing classes defined below, postage prepaid, to the address list on exhibit A, attached hereto and made a part hereof, First Class [ Certified [ First Class with Certificate of Mailing ] Certified with Return Receipt [] Certified with Return Receipt and Restricted Delivery 4 Certified with Electronic Return Receipt [] Registered [0 Registered International Additiona: Services provided during the production of this mail order {if any): None | declare under penalty of perjury under the laws of the Siate of California that the foregoing is true and correct. P S November 28 2025 San Diegg, California e " Dzte and Location C Declarant 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 truthfuiness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF SAN DIEGO On November 28 2025 before me, Adelina R. Larson A personally appeared Charlene Broussard, wha proved to me or the basis of satisfactory evidence to be the person(s) whose name(s) isfare subscribed to the within inslrument 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) scted, executed the insirument. | certify under PENALTY OF PERJURY under the laws of the State of California that the loregoing paragraph is true and correct. WITNESS my hand and official seal. yos Signature o ,‘x/; / Trustee_0CJ418-0309149-01-000-11958623-Aalpha doc TS No. OR05000052-24-1 APN 605063 | 605054 TO No 240343779-OR-MSI TRUSTEE'S NOTICE OF SALE Reference is made to that certain Trust Deed made by, GORDON B. HAYES as Gran i , . tor to AMERITITLE as Trustee, in ;gvor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as designated nominee for AMERICAItvl NANCIAL RESOURCES, INC., Beneficiary of the security instrument, its successors and assigns, dated as of April '?':1 'agg :2;:’ i;eoo?%! ondApriI 2d6, d2&17 313 instrument No. 2017-004359 and the beneficial interest was assigned to gs and recorded May 13, 2025 as Instrument Number 2025-003560 of offici i of the Recorder of Klamath County, Oregon to-wit: ofictalrecords n the Office APN: 605063 ) 605054 PARCEL 1: GOVERNMENT LOT 9 (NE1/4SE1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, OREGON.PARCEL 2: GOVERNMENT LOT 16 (SE1/4SE1/4) Co); Sgg"lq'ION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, Commonly known as: 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 Both t{te Beneficiary, TH MSR Holdings LLC, and the Trustee, Nathan F. Smith, OSB #120112, have elected to sell the said real property to satisfy the cbligations secured by said Trust Deed and notice has been recorded pursuant to Secticn 86.752(3) of Oregon Revised Statutes. The default for which the foreclosure is made is the Grantor’s failure to pay: Failed to pay payments which became due Total Monthly Payment(s): Total Monthly Payment(s) from 03/01/2024 1o 11/01/2025 at $27,966.65 Total Late Charge(s): Total Late Charge(s) at $237.90 By this reason of said default the Beneficiary has declared all cbligations secured by said Trust Deed immediately due and payable, said sums being the following, to-wit: The sum of $130,980.47 together with interest thereon at the rate of 4.75000% per annum from October 1, 2023 until paid; plus all accrued late charges thereon; and all Trustee’s fees, foreclosure costs and any sums advanced by the Beneficiary pursuant to the terms of said Trust Deed. Wherefore, notice is hereby given that, the undersigned Trustee will on April 9, 2026 at the hour of 01:00 PM, Standard of Time, as established by Section 187.110, Oregon Revised Statues, Front Steps, Klamath County Circuit Court, 316 Main Street, Klamath Falls, OR 97601 County of Klamath, sell at public auction to the highest bidder for cash the interest in the said described real property which the Grantor had or had power to convey at the time of the execution by him of the said Trust Deed, together with any interest which the Grantor or his successors in interest acquired after the execution of said Trust Deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable charge by the Trustee. Notice is further given that any person named in Section 86.778 of Oregon Revised Statutes has the right to have the foreclosure proceeding dismissed and the Trust Deed reinstated by payment to the Beneficiary of the entire amount then due (other than such portion of said principal as would not then be due had no default occurred), together with the costs, Trustee's or attorney’s fees and curing any other default complained of in the Notice of Default by tendering the performance required under the obligation or Trust Deed, at any time prior to five days before the date last set for sale. Without limiting the Trustee’s disclaimer of representations or warranties, Oregon law requires the Trustee to state in this nofice that some residential property sold al a Trustee's sale may have been used in manufacturing methamphetamines, the chemical components of which are known to 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. TS No. OR05000052-24-1 APN 605063 | 605054 TO No 240343779-OR-MSI In construing this notice, the masculine gender includes the feminine and the neuter, the singutar 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 "Benef iciary” includes their respective successors in interest, if any. Dated: N’W’W By: Nathan 5/ Splfs, OSB #120112 o Successof Trustee A notary public or cther 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 ORANGE ” On Y\l)\m Mo 10,107t before me, CHRISTINA VALENZUELA, Nolary Public, personally appeared NATHAN F. SMITH, who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his authorized capacity, and that by his signature on the instrument the person, or the entity upon behalf of which the person 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. . ¥ OLER, CHRISTINA Vzl.:lNlZUEllg ES} my R and offiial seal. O COMM; 42 ko Do Vi~ S 2 ORANGE COUNTY Netafy Public Signatire) N U, b 18, 20263 Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, 0SB #120112 c/lo TRUSTEE CORPS 17100 Gillette Ave, Irvine, CA 92614 949-252-8300 To the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, a secured party retains rights under its security instrument, including the right to foreclose its lien. NOTICE: YOU ARE IN DANGER OF LOSING YOUR PROPERTY IF YOU DO NOT TAKE ACTION IMMEDIATELY This notice is about your mortgage loan on your property at: 8677 HARPOLD ROAD, 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 fuifill some other obligation to your lender. This is sometimes called “foreclosure”. The amount you would have had to pay as of November 28, 2025 to bring your mortgage loan current was $30,503.34. 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 949-252-8300 to 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: Nathan F. Smith c/o Trustee Corps- 17100 Gillette Ave. Irvine, CA 92614 THIS IS WHEN AND WHERE YOUR PROPERTY WILL BE SOLD IF YOU DO NOT TAKE ACTION: Date and time: April 9, 2026, at 01:00 PM Place: Front Steps, Klamath County Circuit Court, 316 Main Street, Klamath Falls, OR 97601, County of Klamath. 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. . ' 2. You can refinance or otherwise pay off the loan in full anytime before the sale. TS No. OR05000052-24-1 APN 605063 | 605054 TO No 240343779-OR-MSi 3. You can call RoundPaoint Mortgage Servicing LLC at 877-426-8805 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 to a 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 can visit its website at hitp:.//www.osbar.org. Legal assistance may be available to you if you have a low income and meet federal poverty guidelines. For more information and a directory of iegal aid programs, go to http.//www.oregonlawhelp.org. WARNING: You may get offers from people who tell you they can help you keep your property. You should be careful about those offers. Make sure you understand any papers you are asked to sign. If you have any questions, talk to a lawyer or one of the organizations mentioned above before signing. NOTICE TO VETERANS OF THE ARMED FORCES if you are a veteran of the armed forces, assistance may be available from a county veterans’ service officer or community action agency. The contact information for a local county veterans’ service officer and community action agency may be obtained by calling a 2-1-1 information service. DATED: A | 2ofwes /4 By: N F. Smith, OSB #120112 SGetessor Trustee NOTICE TO RESIDENTIAL TENANTS The property jn which you are living is in foreclosure. A foreclosure sale is scheduled for April 9, 2026. 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. :\ftir t'he sale, the new owner is required to provide you with contact information and notice that the sale ook 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 require 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 :avg the sheriff remove you from the property after a court hearing. Yocu will receive notice of the court earing. PROTECTION FROM EVICTION IF YOU ARE ABONA FIDE TENANT OCCUPYING AND RENTING THIS PROPERTY AS A RESIDENTIAL DWELLING, YOU HAVE THE RIGHT TO CONTINUE UIVING 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 RENTALAGREEMENT. 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. ABOUT YOUR TENANCY BETWEEN NOW AND THE 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. SECURITY DEPOSIT You may apply your security deposit and any rent you paid in advance against the current rent you owe your landlord as provided in ORS 90.367. To do this, you must notify your landiord in writing that you war_1t 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 landiord. 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. ABOUT YOUR TENANCY AFTER THE FORECLOSURE SALE 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 taok 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 landiord 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 fo 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 informatton for the Oregon State Bar is included with this notice. If you do not have enough money to pay a lawyer and are otherwise eligibfe, you may be able to receive legal assistance for free. Information about whom to contact for free legal assistance is included with this notice. Oregon Law Center Portland: 503-473-8329 Coos Bay: 800-303-3638 Ontario: 888-250-9877 Salem: 503-485-0696 Grants Pass: §41-476-1058 Woodburn: 800-973-9003 Hillsboro: 877-726-4381 hitp:/fwww.oregonlawcenter.org/ Oregon State Bar’s Lawyer Referral Service at 503-684-3763 or toll-free in Oregon at 800-452-7636 or you may visit the website at: http://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 ald programs, go to http://cregonlawhelp.crg For the name and telephone number of an organization near you, please call the statewide telephone contact number at 800-SAFENET (800-723-3638) 2025-010472 Klamath County, Oregon NOTICE OF DEFAULT 11/21/2025 04:05:01 PM AND ELECTION TO SELL Fee: $107.00 RE: Trust Deed from: GORDON B, HAYES, Grantor To: Nathan F. Smith, OSB #120112 Afier recording return (o: Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 clo TRUSTEE CORPS 17100 Gillette Ave lrvine, CA 92614 TS No. OROE000052-24-1 APN 605063 | 605054 TO No 240343779-OR-MS} Reference is made to that certain Trust Deed made by GORDON B. HAYES as Grantor, to AMERITITLE as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (*MERS"), as designated nominee for AMERICAN FINANCIAL RESOURCES, INC., Beneficiary of the security instrument, its successors and assigns, dated as of April 21, 2017 and recorded April 26, 2017 in the records of Klamath County, Oregon as Instrument No. 2017-004359 and the beneficial interest was assigned to TH MSR Holdings LLC and recorded May 13, 2025 as Instrument Number 2025-003560 covering the following described real property situated in the above-mentioned county and state, to wit: APN: 605063 | 605054 PARCEL 1: GOVERNMENT LOT 9 (NE1/4SE1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, OREGON. PARCEL 2: GOVERNMENT LOT 16 (SE1/45E1/4) OF SECTION 31, TOWNSHIP 3% SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, CREGON The undersigned hereby certifies that no assignments of the Trust Deed by the Trustee, Nathan F. Smith, 0SB #120112, or by the Beneficiary, TH MSR Holdings LLC, and no appointments of a successor Trustee have been made, except as recorded in the records of the county or counties in which the above described real property is situated. Further, no action has been instituted to recover the debt, or any part thereof, now remaining secured by the Trust Deed, or, if such action has been instituted, such action has been dismissed except as permitted by ORS 86.752(4). There is a default by Grantor or other person owing an cbligation, performance of which is secured by the Trust Deed or by the successor in inferest, with respect to provisions therein which authorize sale in the event of such provision. The defauit for which foreclosure is made is Grantor's failure to pay when due the following sums: The total monthly payment(s) in the amount of $27,966.65 beginning November 1, 2023, as follows: ) $27,666.65 = Total monthly payment(s) at $27,366.65 By reason of said default, the Beneficiary has declared all sums owing on the obligation secured by said Trust Deed immediately due and payable totaling $154,886.41, said sums being the following: 1. Principal balance of $130,980.47 and accruing interest as of November 1, 2025, per annum, from October 1, 2023 until paid. $11,347.8% in interest $112.60 in total fees amount $198.25 in late charges $9,949.01 in negative escrow balance $2,097.75 in corporate advances $-1,048.96 in suspense balance $1,250.00 in foreclosure fees and costs Together with title expenses, costs, Trustees fees and attommey fees incurred here in by reason of said default and any further sums advanced by the Beneficiary for the protection of the above described real property and iis interest there in. OGO RN By reason of the default, the Beneficiary has declared all sums owing on the obligation secured by the Trust Deed immediately due and payable, those sums being the following, to- wit: Failed to pay payments which became due Notice hereby is given that the Beneficiary and Trustee, by reason of default, have elected and do hereby elect to foreclose the Trust Deed by advertisement and sale pursuant to ORS 86.705 to 86.815, and to cause to be sold at public auction to the highest bidder for cash the interest in the described property which grantor had, or had the power to convey, ai the time of the execution by Grantor of the Trust Deed, together with any interest Grantor or Grantor's successor in interest acquired after the execution of the trust deed, to satisfy the obligations secured by the Trust Deed and the expenses of the sale, including the compensations of the Trustee as provided by law, and the reasonable fees of Trustee's attorneys. The Sale will be held at the hour of 01:00 P, in accord with the standard of time established by ORS 187.110, on April 9, 2026 at the following place: Front Steps, Klamath County Circuit Court, 316 Main Street, Klamath Falls, OR 97601 Other than as shown of record, neither the Beneficiary nor the Trustee has 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 in interest to grantor or of any lessee or other person in possession of or occupying the property except: GORDON B HAYES 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 OCCUPANT , 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 KAREN D SIEBECKE-HAYES 1881 MANZANITA STREET, KLAMATH FALLS, OR 87601 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 the 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), together with costs, Trustee's and attorney's fees, by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation or Trust Deed, at any time prior to five days before the date last set for sale. Without limiting the Trustee's disclaimer of representations or warranties, Oregon taw requires the Trustee to state in this notice that some residential property sold at a Trusiee's sale may have been used in manufacturing methamphetamines, the chemical components of which are known to 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. TS No. OR05000052-24-1 In construing this notice, the singular gender includes the plural, the word “Grantor” includes any successor in interest to the Grantor as well as any other person owing an obligation, the performance of which is secured by said Trust Deed, and the words "Trustee" and "Beneficiary" inciude their respective successors in interest, if any. By: Nathar F/Smith, OSB #120112 Su r Trustee . Dated: “’7*0 ’7/0% A notary public or other officer completing this certificate veriftes only the identity of the individual wha signed the document, ta which this cerificate is atlached, and not the fruthfulness, accuracy, or validily of that document. STATE OF CALIFORNIA COUNTY OF ORANGE On N Q}m )_1.\9&'\’ Z’G s E)Z/g before me, CHRISTINA VALENZUELA, Notary Pubiic, personally appeared NATHAN F. SMITH, who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his authorized capacity, and that by his signature an the instrument the person, or the entity upon behalf of which the person 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. ESSrrw h d and official seal. B D COMM. # 2411215 5 MQ“(I""’ G o o ST ol Pu IK.‘. Slgnatu Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave, ltvine, CA 92614 949-252-8300 To the extent yaur onginal obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compllance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, a secured party retains rights under its security instrument, including the right to foreclose its lien. TS No. OR05000052-24-1 After recording, return to: OREGON FORECLOSURE AVOIDANCE PROGRAM BENEFICIARY EXEMPTION AFFIDAVIT Lender/Beneficiary: |TH MSR Holdings LLC Jurisdiction* Arizona *if LenderfBeneficiary is not a natural person, provide the state or other jurisdiction in which the Lender/Beneficiary Is organized. |, Jesse Steinberg (printed name) baing first duly swom, depose, and state that: This affidavit is submitted for a clalm of exemption to the Office of the Attomey Genera! of Cregon under ORS 86.726(1)(b). 1. The above named individual or entity commenced or caused an affiliate or agent of the individual or entity to commence tha following number of actions fo foreclose a residential trust deed by advertisement and sale under ORS 86.752 or by suit under ORS 88.010 during the prior calendaryear: 18 [noifo exceed 30], 2. The undersigned further ceriifies that she/he: [check only oneefthe following boxes] Is the individual claiming exemption from requiremen lished under ORS 86.705 to 86,815, or Is the Vice President insert title] of the entity claiming exemption from requirements established under ORS 84,705 td 86.815 and is authorized by such entity to execute this affidavit on its behalf. (Signfture) ~ " State of Minnesota ) )ss. County of Hennepin_ ) Signed and swom to (or affirmed) before me this 22, day of January , 2025 by Jesse Steinberg . pns ) Notary Pg;lcfor \ [ Zals ian R daht 4235, BRITTNEY ROBERTS b My commission expires: 1 de uneon 13115140003 Fomm 300 V7/5/14 Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing First Class 11/26/2025 OR 0309149-01 000 1196623 Trustee_000418 (11)9680024813784454 GORDON B HAYES 8677 HARPOLD ROAD KLAMATH FALLS, OR 97603 (11)9680024813784478 GORDON B HAYES 23343 DEERFIELD ROAD LOS GATOS, CA 95030 (11)8690024813784485 GORDON B HAYES $§577 HARPOLD ROAD KLAMATH FALLS, OR 97603 (11)8690024813784508 GORDON B HAYES C/O VALERIE HENDRICK 533 MAIN STREET KLAMATH FALLS, OR 97601 {11)9690024813784515 OCCUPANT 8677 HARPOLD ROAD KLAMATH FALLS, OR 97603 (11)9690024813784539 KAREN D SIEBECKE-HAYES 1881 MANZANITA STREET KLAMATH FALLS, OR 97601 (11)3690024813784553 KAREN D SIEBECKE-HAYES MARK L. COSTELLO 200 PINE STREET KLAMATH FALLS, OR 97601 Sender: Trustee Corps 17100 Gillette Ave. Irvine CA 92614 Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit Ato Declaration of Mailing Electronic - Ret 11/26/2025 OR 0309149-01 000 1196623 Trustee_000418 71869002484101801258 GORDON B HAYES 8677 HARPOLD ROAD KLAMATH FALLS, OR 97603 71968002484101801265 GORDON B HAYES 23343 DEERFIELD ROAD LOS GATOS, CA 95030 71865002484101801272 GORDON B HAYES $§577 HARPOLD ROAD KLAMATH FALLS, OR 97603 71968002484101801296 GORDON B HAYES C/O VALERIE HENDRICK 533 MAIN STREET KLAMATH FALLS, OR 97601 71868002484101801319 OCCUPANT 8677 HARPOLD ROAD KLAMATH FALLS, OR 97603 71968002484101801326 KAREN D SIEBECKE-HAYES 1881 MANZANITA STREET KLAMATH FALLS, OR 97601 71965002484101801340 KAREN D SIEBECKE-HAYES MARK L. COSTELLO 200 PINE STREET KLAMATH FALLS, OR 97601 Sender: Trustee Corps 17100 Gillette Ave. Irvine CA 92614 TS No. ORD5000052-24-1 APN 605063 | 805054 TO No 240343779-OR-MSI| TRUSTEE'S NOTICE OF SALE Reference is made to that certain Trust Deed made by, GORDON B. HAYES as Grantor to AMERITITLE as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as designated nominee for AMERICAN FINANCIAL RESOURCES, INC., Beneficiary of the security instrument, its successors and assigns, dated as of April 21, 2017 and recorded on April 26, 2017 as Instrument No. 2017-004359 and the beneficial interest was assigned to TH MSR Holdings LLC and recorded May 13, 2025 as Instrument Number 2025-003560 of official records in the Office of the Recorder of Klamath County, Oregon to-wit: APN: 605083 | 605054 PARCEL 1: GOVERNMENT LOT 9 (NE1/45E1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, OREGON.PARCEL 2: GOVERNMENT LOT 16 (SE1/4SE1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, OREGON Commonly known as: 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 Both the Beneficiary, TH MSR Holdings LLC, and the Trustee, Nathan F. Smith, OSB #120112, have elected to sell the said real property to satisfy the obligations secured by said Trust Deed and notice has been recorded pursuant to Section 86.752(3) of Oregon Revised Statutes. The default for which the foreclosure is made is the Grantor’s failure to pay: Failed to pay payments which became due Total Monthly Payment(s): Total Monthly Payment(s) from 03/01/2024 to 11/01/2025 at $27,966.65 Total Late Charge(s): Total Late Charge(s) at $237.90 By this reason of said default the Beneficiary has declared all obligations secured by said Trust Deed immediately due and payable, said sums being the following, to-wit: The sum of $130,980.47 together with interest thereon at the rate of 4.75000% per annum from October 1, 2023 until paid; plus all accrued late charges thereon; and all Trustee’s fees, foreclosure costs and any sums advanced by the Beneficiary pursuant to the terms of said Trust Deed. Wherefore, notice is hereby given that, the undersigned Trustee will on April 9, 2026 at the hour of 01:00 PM, Standard of Time, as established by Section 187110, Oregon Revised Statues, Front Steps, Klamath County Circuit Court, 316 Main Street, Klamath Falls, OR 97601 County of Klamath, sell at public auction to the highest bidder for cash the interest in the said described real property which the Grantor had or had power to convey at the time of the execution by him of the said Trust Deed, together with any interest which the Grantor or his successors in interest acquired after the execution of said Trust Deed, to satisfy the foregoing obligations thereby secured and the cosls and expenses of sale, including a reasonable charge by the Trustee. Notice is further given that any person named in Section 86.778 of Oregon Revised Statutes has the right to have the foreclosure proceeding dismissed and the Trust Deed reinstated by payment to the Beneficiary of the entire amount then due (other than such portion of said principal as would not then be due had no default occurred), together with the costs, Trustee's or attorney’s fees and curing any other default complained of in the Notice of Default by tendering the performance required under the obligation or Trust Deed, at any time prior to five days before the date last set for sale. 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 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. TS No. CR0O5000052-24-1 APN 605063 | 603054 TO No 240343779-OR-MS| In construing this notice, the masculine gender inciudes 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 Benef iciary” includes their respeclive successors in interest, if any. Dated: I \ '?") < %VMO 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 ORANGE on oL L Ll before me, CHRISTINA VALENZUELA, Notary Public, personally appeared NATHAN F. SMITH, who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that ne executed the same in his authorized capacity, and that by his signature on the instrument the person, or the eniity upon behalf of which the person 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. AH A;,»AQ«}\ CHRISTINA VALENZUELA \,f,\JITNI_ESQ my har?d and ofiicial seal, Jf“ Y2 %?AQ,“\~"QUBEC2‘E}L]-‘;%§riaO ( e ol ity -=0 ORANGE COUNTY [P b & \&Best couM, EXPIRE 5 AUG. 18 20267 Netary Public Signature’ b s N Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillefte Ave, lrvine, CA 92614 949-252.8300 To the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, a secured party retains rights under its security instrument, including the right to foreclose its lien. NOTICE: YOU ARE IN DANGER OF LOSING YOUR PROPERTY IF YOU DO NOT TAKE ACTION IMMEDIATELY This notice is about your mortgage loan on your property at: 8677 HARPOLD ROAD, 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 had to pay as of November 28, 2025 to bring your mortgage loan current was $30,503.34. 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 849-252-8300 to 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: Nathan F. Smith c/o Trustee Corps 17100 Gillette Ave. Irvine, CA 92614 THIS IS WHEN AND WHERE YOUR PROPERTY WILL BE SOLD IF YOU DO NOT TAKE ACTION: Date and time: April 9, 2026, at 01:00 PM Place: Front Steps, Klamath County Circuit Court, 316 Main Street, Klamath Falls, OR 97601, County of Klamath. 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. 2. You can refinance or otherwise pay off the loan in full anytime before the sale. TS No. OR05000052-24-1 APN 605063 | 605054 TO No 240343779-OR-MSI 3. You can call RoundPoint Mortgage Servicing LLC at 877-426-8805 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 to a 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 can visit its website at http://www.osbar.org. Legal assistance may be available to you if you have a low income and meet federal poverty guidelines. For more information and a directory of legal aid programs, go to http://www.oregonlawhelp.org. WARNING: You may get offers from people who tell you they can help you keep your property. You should be careful about those offers. Make sure you understand any papers you are asked to sign. If you have any questions, talk to a lawyer or one of the organizations mentioned above before signing. NOTICE TO VETERANS OF THE ARMED FORCES If you are a veteran of the armed forces, assistance may be available from a county veterans’ service officer or community action agency. The contact information for a local county veterans’ service officer and community action agency may be obtained by calling a 2-1-1 information service. DATED: A | 2ohwes /4 By: N F. Smith, OSB #120112 Sdetessor Trustee NOTICE TO RESIDENTIAL TENANTS The property in which you are living is in foreclosure. A foreclosure sale is scheduled for April 9, 2026. 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 require 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. PROTECTION FROM EVICTION IF YOU ARE ABONA 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 awner) or a child, spouse or parent of the borrower, and whose rental agreement: + |s 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. ABOUT YOUR TENANCY BETWEEN NOW AND THE FORECLOSURE SALE: RENT YOU SHOULD CONTINUE TO PAY RENT TO YOUR LANDLORD UNTIL THE PROPERTY {S SOLD OR UNTIL A COURT TELLS YOU OTHERWISE. IF YOU DO NQOT PAY RENT, YOU CAN BE EVICTED. BE SURE TO KEEP PROOF OF ANY PAYMENTS YOU MAKE. SECURITY DEPOSIT You may apply your security deposit and any rent you paid in advance against the current rent you owe your landiord as provided in ORS 90.367. 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. ABOUT YOUR TENANCY AFTER THE FORECLOSURE SALE 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 landiord 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. Oregon Law Center Portland: 503-473-8329 Coos Bay: 800-303-3638 Ontario: 888-250-9877 Salem: 503-485-0696 Grants Pass: 541-476-1058 Woodburn: 800-973-9003 Hillsboro: 877-726-4381 http://www.oregonlawcenter.org/ Oregon State Bar’s Lawyer Referral Service at 503-684-3763 or toll-free in Oregon at 800-452-7636 or you may visit the website at: http://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, go to hitp://oregonlawhelp.org For the name and telephone number of an organization near you, please call the statewide telephone contact number at 800-SAFENET (800-723-3638) NOTICE OF DEFAULT AND ELECTION TO SELL RE: Trust Deed from: GORDON B. HAYES, Grantor To: Nathan F. Smith, OSB #120112 After recording retum to: Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave irvine, CA 92614 TS No. OR05000052-24-1 APN 605063 | 605054 TO No 240343779-OR-MSI Reference is made to that certain Trust Deed made by GORDON B. HAYES as Grantor, to AMERITITLE as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (*MERS"), as designated nominee for AMERICAN FINANCIAL RESOURCES, INC., Beneficiary of the security instrument, its successors and assigns, dated as of April 21, 2017 and recorded April 26, 2017 in the records of Klamath County, Oregon as Instrument No. 2017-004359 and the beneficial interest was assigned to TH MSR Holdings LLC and recorded May 13, 2025 as Instrument Number 2025-003560 covering the following described real property situated in the above-mentioned county and state, to wit: APN. 605063 | 605054 PARCEL 1: GOVERNMENT LOT 9 (NE1/4SE1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, OREGON. PARCEL 2: GOVERNMENT LOT 16 (SE1/4SE1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE MERIDIAN, KLAMATH COUNTY, OREGON The undersigned hereby certifies that no assignments of the Trust Deed by the Trustee, Nathan F. Smith, 0SB #120112, or by the Beneficiary, TH MSR Holdings LLC, and no appointments of a successor Trustee have been made, except as recorded in the records of the county or counties in which the above described real property is situated. Further, no action has been instituted to recover the debt, or any part thereof, now remaining secured by the Trust Deed, or, if such action has been instituted, such action has been dismissed except as permitted by ORS 86.752(4). There is a default by Grantor or other person owing an obligation, performance of which is secured by the Trust Deed or by the successor in interest, with respect to provisions therein which authorize sale in the event of such provision. The default for which foreclosure is made is Grantor’s failure to pay when due the following sums: The total monthly payment(s) in the amount of $27,966.65 beginning November 1, 2023, as follows: ' $27,966.65 = Total monthly payment(s) at $27,966.65 By reason of said default, the Beneficiary has declared all sums owing on the obligation secured by said Trust Deed immediately due and payable totaling $154,886.41, said sums being the following: 1. Principal balance of $130,980.47 and accruing interest as of November 1, 2025, per annum, from October 1, 2023 until paid. $11,347.89 in interest $112.00 in total fees amount $198.25 in late charges $9,949.01 in negative escrow balance $2,097.75 in corporate advances $-1,048.96 in suspense balance $1,250.00 in foreclosure fees and costs Together with title expenses, costs, Trustees fees and attorney fees incurred here in by reason of said default and any further sums advanced by the Beneficiary for the protection of the above described real property and its interest there in. ©CENDOAWN By reason of the default, the Beneficiary has declared all sums owing on the obligation secured by the Trust Deed immediately due and payable, those sums being the following, to- wit: Failed to pay payments which became due Notice hereby is given that the Beneficiary and Trustee, by reason of default, have elected and do hereby elect to foreclose the Trust Deed by advertisement and sale pursuant to ORS 86.705 to 86.815, and to cause to be sold at public auction to the highest bidder for cash the interest in the described property which grantor had, or had the power to convey, at the time of the execution by Grantor of the Trust Deed, together with any interest Grantor or Grantor's successor in interest acquired after the execution of the trust deed, to satisfy the obligations secured by the Trust Deed and the expenses of the sale, including the compensations of the Trustee as provided by law, and the reasonable fees of Trustee’s attorneys. The Sale will be held at the hour of 01:00 PM, in accord with the standard of time established by ORS 187.110, on April 9, 2026 at the following place: Front Steps, Klamath County Circuit Court, 316 Main Street, Klamath Falls, OR 97601 Other than as shown of record, neither the Beneficiary nor the Trustee has 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 in interest to grantor or of any lessee or other person in possession of or occupying the property except. GORDON B HAYES 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 OCCUPANT 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 KAREN D SIEBECKE-HAYES 1881 MANZANITA STREET, KLAMATH FALLS, OR 97601 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 the 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), together with costs, Trustee's and attorney's fees, by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation or Trust Deed, at any time prior to five days before the date last set for sale. 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 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. TS No. OR05000052-24-1 In construing this notice, the singular gender includes the plural, the word "Grantor” includes any successor in interest to the Grantor as well as any other person owing an obligation, the performance of which is secured by said Trust Deed, and the words "Trustee” and "Beneficiary" include their respective successors in interest, if any. ' Dated: H’ w- wl"/" By Nt mrth SSE 20145 T g r Trustee 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 ORANGE i ; o & on N ey 7o, 1005 before me, CHRISTINA VALENZUELA, Notary Public, personally appeared NATHAN F. SMITH, who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his authorized capacity, and that by his signature on the instrument the person, or the entity upon behalf of which the person 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. = R CHRIST!NAVALENZUELA; NESS ‘my hand and offlcral seal. Q4 COMM. # 2411215 2 \7 1 NOTARY PUBLIC - CALIFORNIA ol — ANGE COUNTY ?(’Q A §| \«!5.5n- o s o 1 2026 Notary Public Slgnatui‘e LWy Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave, Irvine, CA 92614 949-252-8300 To the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance andlor informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, a secured party retains rights under its security instrument, including the right to foreclose its lien. TS No. OR05000052-24-1 After recording, return to: OREGON FORECLOSURE AVOIDANCE PROGRAM BENEFICIARY EXEMPTION AFFIDAVIT Lender/Beneficiary: [ TH MSR Holdings LLC Jurisdiction* Arizona *If Lender/Beneficiary is not a natural persen, provide the state or other jurisdiction in which the Lender/Beneficiary is organized. |, Jesse Steinberg (printed name) being first duly sworn, depose, and state that: This affidavit is submitted for a claim of exemption to the Office of the Attorney General of Oregon under ORS 86.726(1)(b). 1. The above named individual or entity commenced or caused an affiliate or agent of the individual or entity to commence the following number of actions to foreclose a residential trust deed by advertisement and sale under ORS 86.752 or by suit under ORS 88.010 during the prior calendar year. 18 [not to exceed 30]; [_ Jis the individual claiming exemption from requirementg’established under ORS 86.705 fo 86.815, or is the Vice President insert title] of the entity claiming exemption from requirements established under ORS 88.705 td 86.815 and is authorized by such entity to execute this affidavit on its behalf. // ht 2. The undersigned further certifies that she/he: [check only ;?o?ze following boxes] {Signature) N State of Minnesota ) ) ss. County of Hennepin ) Signed and swom to (or affirmed) before me this 22.__ day of January , 2025 by Jesse Steinberg - . BTt | Bivney Pdotattd i ek A Notary Pl for w&m&;?e?pesm M dard g, BRITTNEY ROBER ot My commission expires: )(_2 i IOMA. %) 18 A ) NOTARY PUBLIC \ 1271 S ‘\ 0003 ] —, 3 MINNESOTA \‘\,“‘\gf_‘;u_ My Commission Expiros Janurry 31, 2027 ISR RS GG Y i A e Form 300 V7/5/14 Recording Requested By: When Recorded Mail to: Nathan F. Smith clo Trustee Corps 606 W. Gowe Street Kent, WA 98032-5744 TS No. OR05000052-24-1 APN 605083 | 605054 TO No. 240343779-OR-MS| AFFIDAVIT OF COMPLIANCE AFTER RECORDING, RETURN TO: Nathan F. Smith ¢lo Trustee Cormps 17100 Gillette Ave Irvine, CA 92614 AFFIDAVIT OF COMPLIANCE With Oregon Laws 2013, chapter 304, section 9 Grantor: GORDON B. HAYES Beneficiary: TH MSR Holdings LLC Trustee: Nathan F. Smith, OSB #120112 Property Address: 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 Instrument Recordlngr No.: [2017-004359 I, the undersigned, being duly swom, hereby depose and say that: (1) lamthe __Default Quality Assurance Specialist __ of RoundPoint Mortgage Servicing LLC, Servicer for TH MSR Holdings LLC, who is the Beneficiary of the above-referenced instrument. (2) The Beneficiary has determined that the Grantor(s) of the above-referenced instrument: [ ] not eligible for a foreclosure avoidance measure; or [ ] has not complied with the terms of a foreclosure avoidance measure to which the grantor(s) has/have agreed; or M has not requested a foreclosure avoidance measure. 3) [V The Beneficiary/Servicer mailed written notice, in plain language explaining the basis for the Beneficiary's determination above, to the grantor(s) within 10 days after making the determination; or [ 1 The borrower did not request a foreclosure avoidance measure. TS No. OR05000052-24-1 (4) By reason of the above, the beneficiary has complied with the requirements of Oregon Laws 2013, chapter 304, section 9 to the extent such requirements may be applicable to the beneficiary as a federally chartered national bank. RoundPoint Mortgage Servicing LLC, servicer for TH MSR Holdings LLC (Signature) < Alex Kegarise (Printed Name) sTATE oF South Carolina COUNTY OF __York Subscribed and sworn to (or affirmed) before me this (O‘H\ day of December , 2025, by Alex Kegarise of RoundPoint Mortgage Servicing LLC . Al tdon Lowrrad Notary(Bublic's Signature My Commission Expires: % 1/l : /[/O%B Recording Requested By: When Recorded Mail to: Nathan F. Smith ¢/o Trustee Corps 606 W. Gowe Street Kent, WA 98032-5744 TS No. OR05000052-24-1 APN 605063 | 605054 TO No. 240343779-OR-MSI AFFIDAVIT OF PUBLICATION AFFIDAVIT OF PUBLICATION STATE OF OREGON, COUNTY OF KLAMATH 1, Benjamin Cedarleaf, Advertising Executive, being duly sworn, depose and say that [ am the principle 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 97601 in the aforesaid county and state: that I know from my personal knowledge that the Legal # 26006 TS# OR05000052-24-1 8677 Harpold 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: 01/14/26, 01/21/26, 01/28/26, 02/04/26 Beu ledushial Subscribed and sworn by Benjamin Cedarleaf before me on: 02/04/26 Notary Public of Oregon 0 My commission expires: September 16, 2029 NOTARY PUBLIC - OREGON COMMISSION NO. 1062132 v (‘OMMISSION EXPIRES SEPTEMBER 18, 2020 AD# 704691 AD# 704691 I | TRUSTEE'S NOTICE OF SALE TS No. OR05000052-24-1 APN 605083 | 605054 TO No 240343779-OR-MS| TRUSTEE'S NOTICE OF SALE Raf- erence is made to that certain Trust Deed made by, GOR- DON B. HAYES as Grantor to AMERITITLE as Trustss, In favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as designated nomines for AMERICAN FINANCIAL RESQURCES, INC., Beneficiary ol the se- curity Instrument, its successors and assigns, dated as of April 21, 2017 and recordad on April 26, 2017 as Instrument No. 2017004359 and the beneficial interest was assigned to TH MSR Holdings LLC and recorded May 13, 2025 as tnstrument Number 2025-003560 of official records in tha Office of the Recorder of Klamath County, Orsgon to- wit APN: 505063 | 605054 PARCEL 1: ERNMENT LOT 9 (NE1/4SE1/4) OF SECTION 31, TOWNSHIP 39 SOUTH, RANGE 11 EAST OF THE WILLAMETTE ME- RIDIAN, KLAMATH COUNTY, OREGON.PARCEL 2: GOVERNMENT LOT 16 ‘SE1I4SE1I4 OF SECTION 31, TOWNSHIP 39 SOUTH, GE 11 OF THE WIL- LAMETTE MERIDIAN, KLAMATH COUNTY, OREGON Commonly known as: 8677 HARPOLD ROAD, KLAMATH FALLS, OR 97603 Both the Benaficiary, TH MSR Haldings LLC, and tha Trustee, Nathan . Smith, OSB #120112, have electad to sell the sald real Smperty to satisfy the obliga- lions secured by said Trust Oeed and notice has been re- corded pursuant to Section 86.752(3) of Oregon Revised Siatutes. The default for which the lorectasure is made is the Granlor's faillure (o pay: Failed 1 pay 1paymanls which becams dus Total Munm Paymeni(s): Total Payment(s) from 03/01/2024 to 11/0172025 at $2/,966.65 Total Late Charge(s): Total Late Charge(s) at $23780 By this rea- son of said default the Benefictary has deglared all obli- gations secured by sald Trust Deed immedlately due and payable, said summs being the following, to-wit: The sum of $130,980.47 togsther with interest theraen at the rate of 4.75000% ger annum from Oclober 1, 2023 until paid; plus all accrued late charges thereon; and all Trustae's (ees, foreclosure costs and any sums advanced by the Benef- clary pursuant to the temms of sald Trust Deed. Whaerefore, notice is heraby given thal, the undersigned Trustee wifl on April 9, 2026 at the hour of 01:00 PM, Standard of Time, as established by Section 187110, Oregon Revised Stat- ues, Front Steps, Klamaih County Circuit Courl, 316 Main Street, Klamath Falls, OR 97601 Gounlro of Klamath, sell at public auction to thé highest bidder for cash tha inter- est in the said described real property which the Grantor had or had power to copvey at the time of the execution by him of the said Trust Deed, together with any Interesi which the Grantor or his successors in interest scquired after the execution of said Trust Deed, to satisfy the foregaing cb- ligations thereby secured and the costs and expenses of sale, including a reasonable charge by the Trustee. Notice Is further given that any person named in Section 86.778 of Oregon Revised Statutss has the right to have the foreclo- sure proceeding dismissed and the Trust Deed reinslated by payment to the Beneficiary of the entire amount then due (cther than such portion of said principal as would not then be due had no default occurred), logethsr with the costs, Trusted's or attarney’s fees and curing any other de- fault complainad of in tha Notice of Default by tendaring the parformance required under the abfigation or Trust Deed, at any time prior to five days before the date last set for sals. Without limiting the Trustae's disclaimer of representations or warranties, Oregon law requires the Truslee lo slale in this notice that sorne resldential property sold at a Trust- ae's sale may have been used in manufacturing mstham- phetamines, the chemical components of which are known lo be toxic. Prospective purchasers of residential prageriy should be aware of this polential danger before deciding to place a bid lor this property al the Trustee's sale. In con- struing this notice, the masculine gender Includes the lem- Ining and the neuter, thé singular includes plural, the ward *Grantor” includes any successar in interes! to the Grant- or as well as any other persons owing an cbligation, the performance of which is secured by said Trust Deed, the words "Trusted” and “Beneficlary” includes their respective successors in interest, if any. Dated: 11/20/2025 By: Nathan F. Smith, OSB #120112 Successor Trustea M m & Cis~ neros, A Law Corparation Altention: Nathan F. Smith, 0SB #120112 cfo TRUSTEE CORPS 17100 Giflefte Ave, Irvine, CA 92614 949-252-8300 NPPR481746 To: HERALD AND NEWS 01/14/2028, 01/21/2026, 01/28/2026, 02/04/2026 #26008 January 14, 21, 28, February 4, 2026 Recording Requested By: When Recorded Mail to: Nathan F. Smith c/o Trustee Corps 606 W. Gowe Street Kent, WA 98032-5744 TS No. OR05000052-24-1 APN 605063 | 605054 AFFIDAVIT OF SERVICE TO No. 240343779-OR-MS! NPPOLTI7Y b PROOF OF SERVICE JEFFERSON STATE PROCESS SERVICE STATE OF: Oregon COUNTY OF: Klamath ! hereby certify that | served the foregoing individuals or ofher legal entities o be served, named below, by delivering or leaving true copies or original, certified to be such by the Attomey for the PlaintiffDefendant, as follows: TRUSTEE'S NOTICE OF SALE FOR THE WITHIN NAMED: All Occupants of 8677 Harpold Rd. Klamath Falis, OR 97603 [CJPERSONALLY SERVED: Original or True Copy to within named, personally and in persento ___at the 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 batow for; DJOTHER METHOD: By posting the above-mentioned documents to the Main Entrance of the address below. 1% Attempt: December 03, 2025 12:40 PM POSTED 2" Attempt: December 05, 2025 2:20PM POSTED 3~ Attempt: December 09, 2025 2:45PM POSTED [_L] 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 December 12, 2025 | mailed a copy of the Trustee's Notice of Sale addressed to All 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. bl e (hampe ce. 8677 Harpold Rd, Klamath Falls, OR 97603 ADDRESS OF SERVICE I further certify that | am a competent person 18 years of age or older and a resident of the state of service of the State of Oregon and that [ 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, fim, or Corporation named in the action. December 03, 2025 12:40 PM \: DATE OF SERVICE TIME OF SERVICE / [0 ornon occupancy O S By: Subscribed and swom to before on this_12 day of _December , 2025. A / ’7’7/ / ~ r-< /