2026-001982 Klamath County, Oregon 03/05/2026 08:35:01 AM Fee: $257.00 Recording Requested By: When Recorded Mail to: Nathan F. Smith c/o Trustee Corps 606 W. Gowe Street Kent, WA 98032-5744 S No. OR09000081-25-1 APN 480054 | 3809-033AC-05800 TO No. 250610784-OR-MSI 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: Selene Finance LP GRANTOR: NAOWMI L. LEE SINGLE CURRENT TRUSTEE: Nathan F. Smith, OSB #120112 DECLARATION OF MAILING Reference No: OR0S000081-25 Mailing Number: 0310176-01 Type of Mailing: OR STATE OF CALIFORNIA } 158 COUNTY OF SAN DIEGO } l, Charlene Broussard , declare as follows: l'am, and &t all times herein mentioned, a citizen of the United States, over the age of eighteen years and a resident of San Diego County, California. | am not a 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 12/10/2025, | deposited in the United States mail a copy of the attached document(s), in separate sealed envelopes, in accordance with the checked mailing classes defined below, postage prepaid, to the address list or exhibit A, attached hereto and made a part hereof. First Class [ Certified [ First Class with Certificate of Mailing [ Certified with Return Receipt [J Certified with Return Receipt and Restricted Delivery Certified with Electranic Return Receipt [ Registered [ Registered International Additional Services provided during the production of this mail order (if any): Nane I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. el December 11 2025 San Diego, California el T e Date and Location [ Declarant A notary public or other officer completing this certificate verifies only the identity of the individuzl who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. i STATE OF CALIFORNIA COUNTY OF SAN DIEGO On___ December112025_ before me, Adelina R. Larson A personally appeared Charlene Brouqsard who proved to me on the basis of satisfactory evicence to be the personi(s) whose name(s) isfare subscribed ta the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authaorized 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. (5 R, LARSON :bive - California 2 San Dizge County H Commission # 2510160 ; Signature 457wy Comm. Exaires Seb 15, 2020 Trustee_000418-0310176-01-000-1201449-Aalpha. d:)c RPJ 12/02/2020 TS No. OR08000081-25-1 AFN 480054 | 3809-033AC-05800 TO No 250610784-OR-MSI TRUSTEE'S NOTICE OF SALE Reference is made to that certain Trust Deed made by, NAOMI L. LEE SINGLE as Grantor to FIDELITY NATIONAL TITLE COMPANY OF OREGON as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as designaled nominee for LOANDEPOT.COM, LLC, Beneficiary of the security instrument, its successors and assigns, dated as of November 9, 2021 and recorded on November 22, 2021 as Instrument No. 2021-017494 and the beneficial interest was assigned to SELENE FINANCE LP and recorded June 13, 2025 as Instrument Number 2025-004512 of official records in the Office of the Recorder of Klamath County, Oregon to-wit: APN: 480054 | 3809-033AC-05800 LOT 409, BLOCK 110, MILLS ADDITION TO THE CITY OF KLAMATH FALLS, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. Commonly known as: 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 Both the Beneficiary, Selene Finance LP, and the Trustee, Nathan F. Smith, OSB #120112, have elected to sell the said real property to satisfy the abligations 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 Payment(s): Total Paymeni(s) from 01/01/2025 to 12/15/2025 at $7,699.44 Total Late Charge(s): Total Late Charge(s) at $158.48 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 $102,342.55 together with interest thereon at the rate of 3.12500% per annum from December 1, 2024 until paid; plus all accrued late charges thereon; and all Trustee'’s fees, foreclosure costs and any sums advanced by the Beneficiary pursuant {o the terms of said Trust Deed. Wherefore, notice is hereby given that, the undersigned Trustee will on April 23, 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 afler the execulion 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 amaunt 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 defauit complained of in the Notice of Default by tendering the performance required under the obfigation or Trust Deed, at any time prior to five days before the date |ast set for sale. Without limiting the Trustee’s disclaimer of representations or warranties, Oregon law requires the Trustee to state in this nolice that some residential property scid at a Truslee’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. OR0S000081-25-1 APN 480054 | 3809-033AC-05800 TO No 250610784-OR-MSi In construing this notice, the masculine gender includes the feminine and the neuter, the slngulqr includeg plqral. the word “Grantor” includes any successor in interest to the Granior as well as any other persons owing an o{:hgat:on. t'he performance of which is secured by said Trust Deed, the words “Trustee” and “Beneficiary” includes their respective successors in interest, if any. Dated: 12/04/2025 By: Mathar¥Smith, OSB #120112 ssor Trustee A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document, to which this cerlificate is attached, and not the truthfulness, accuracy, or vaildity of that document. STATE OF CALIFORNIA COUNTY OF ORANGE On 12/04/2025 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. AT £SS.my IVd d official seal. .Yy ~ blic Signat@ 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 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 foraclose its Hen. 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: 2121 GARDEN AVENUE, KLAMATH FALLS, Oregon 97601. 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 December 15, 2025 to bring your mortgage loan current was $9,775.92. 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 Giliette Ave. Irvine, CA 92614 THIS IS WHEN AND WHERE YOUR PROPERTY WILL BE SOLD IF YOU DO NOT TAKE ACTION: Date and time: April 23, 20286, 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. OR08000081-25-1 APN 480054 | 3808-033AC-05800 TO No 250610784-0R-M8I 3. You can call SELENE FINANCE, LP at (877) 768-3759 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 helip 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 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. amF. Smith, OSB #120112 Successor Trustee NOTICE TO RESIDENTIAL TENANTS The propertly in which you are living is in foreclosure. A foreclosure sale Is scheduled for April 23, 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 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: ¢ |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, uniess 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 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 tengnt 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. Oregon Law Center Portland: 503-473-8329 Coos Bay: 800-303-3638 Ontarlo: 888-250-9877 Satem: 503-485-0696 Grants Pass: §41-476-1058 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:/Awww.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 http://oregoniawhelp.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) 2025-010887 Kiamath County, Oregon NOTICE OF DEFAULT » 12/05/2026 02:58:02 PM AND ELECTION TO SELL Fee: §107.00 RE: Trust Deed from; NAOMI L. LEE SINGLE, Granlor 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 Glilette Ave Irvine, CA 926814 TS No. OR08000081-25-1 APN 480054 | 3808-033AC-056800 TO No 250810784-OR-MSI Reference is made to that certain Trust Deed made by NAOM! L. LEE SINGLE as Grantor, to FIDELITY NATIONAL TITLE COMPANY OF OREGON as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (*MERS®), as designated nominee for LOANDEPOT.COM, LLC, Benefictary of the securily instrument, #s successors and assigns, dated as of November 9, 2021 and recorded November 22, 2021 in the récords of Klamath County, Oregon as Instrument No. 2021-017494 and the beneficial interest was assigned to SELENE FINANCE LP and recorded June 13, 2025 as Instrument Number 2025-004512 covering the following described real property situated in the above- mentioned county and state, to wit APN: 480054 | 3809-033AC-05800 LOT 408, BLOCK 110, MILLS ADDITION TO THE CITY OF KLAMATH FALLS, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. The undersigned hereby certifies that no assignments of the Trust Deed by the Trustee, Nathan F. Smith, OSB #120112, or by the Beneficiary, Selene Finance LP, and no appointments of a successor Tiustee have been made, except as recorded in the records of the caunty 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, o, 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 nterest, 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 §7,699.44 beginning January 1, 2025, as follows: $7,629.44 = 12 monthly payment(s) 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 $109,413.08, said sums being the following: 1. Principal balance of $102,342.56 and accruing interest as of December 15, 2025, per annum, from December 1, 2024 until paid. 2. $3,320.91 in interest $188.48 in late charges $87.00 in total fees $1,686.14 in negative escrow balance $608.00 in corporate advances $30.00 in NSF fees $1,250.00 in foreclosure fees and cosls _ . 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. el B RS 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 Dead by adverlisement 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 inferest acquired after the execution of the trust deed, to salisfy 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 attomeys. 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 23, 2026 at the following place: Front Steps, Klamath County Circuit Court, 316 Maln 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 cccupying the property except: NAOMI L. LEE 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 CCCUPANT : 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 OREGON DEPARTMENT OF HUMAN SERVICES ESTATE ADMINISTRATION UNIT, ATTN: VERONICA SEPULVEDA, P.O. BOX 14021, SALEM, OR 97309-5024 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 attomey's fees, by curing any other default complained of herein that is capable of being cured by tendering the petrff%rmar[lce required under the obligation or Trust Deed, at any time prior to five days before the date last se r 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. T5 No, OR08000081-25-1 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” sind "Beneficiary” include their respective successors in interast, if any. By: Mathan ith, 0SB #120112 Successor Trustee A notary public or other officer campleting this certificale verifies only the identily of the individual who signed the, document, to which this cerlificate is attached, and not the truthfulness, accuracy, or validity of that document. Dated: 12/04/2025 STATE OF CALIFORNIA COUNTY OF ORANGE On 12/04/2025 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 signaturé an the instrument the person. or the entity upon behalf of which the person acted, executed the instrument. | cerify under PENALTY OF PERJURY under the laws of the State of CALIFORNIA that the foregoing paragraph is true and correct. >, CHRISTINA \'ALENZUELA; VF—T%E!ESS m?\Tnd and official seal. g ?.?,‘. o Vi P Nbtér@biic Sigrature >/ coni, EXRPIRES AUG 14,202 Iy Malcolm & Cisneros, A Law Corporation Attention; Nathan F. Smith, OSB #120112 cfo TRUSTEE CORPS 17100 Gillette Ave, Irvine, CA 92614 549-252-8300 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 retalns rights under its security instrumeat, including the right to foreclose its lien, TS Na. OR0Z000081-25-1 After recording, return to: LANDRY BEAR SELENE FINANCELP 3501 OLYMPUS BLVD, SUITE 500 DALLAS, TX 75019 OREGON FORECLOSURE AVOIDANCE PROGRAM BENEFICIARY EXEMPTION AFFIDAVIT Lender/Beneficlary: )Selene Finance LP Jurisdlction® Delaware *if Lendar/Banaficiary Is not a natural parsan, provide the state or other jurisdiclicn [n which the Lender/Beneficiary is ergantzad, |, Vance Nelson (printed name) being first duly swom, dspose, and state thai: This affidavit Is submitted for a claim of exemption to the Office of the Altamey General of Cregon under ORS 86.726(1)(b). 1. The above named indlvidual or enlity commenced or caused an affiliate or agent of the individual or entity to commence the following number of actions to foreclose a resldentlal trust desd by advertisement and sale under ORS 86,752 or by suit under ORS 88.010 during the prior calendaryear: 29 [notto axcead 30}, 2. The undersigned further certifies that she/he: [check only one of the following boxes] (] is the individual claiming exemption from requirements established under ORS 86,705 to 86.815, o [L_)isthe finsart titfa] of the entity claiming exemptlon from requirements established undar ORS 88.705 and is authorized by such antity to execule this affidavit on iis behalf, State of _Ie?s_) ) ss. Countyof _D2fas Signeq and swom fq (or amrme‘} before me this Z day of L?[?d}i L N by . —Stanlev Roagers Jr. Notary Publlc for Texas My commission expires: EER_2 3 2027 i, STANLEY AOGERS, JA. Yo, _?E.'-;.’- Notary Public. Stato of Texas '(- 1‘.‘ et Comm. Expites 02-23-2027 Notary 1D 134218864 T iy, ‘M '\’o, & Form 300 V7/5M14 Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing First Class 12/10/2025 OR 0310176-01 000 1201449 Trustee_000418 (11)97000002145673436 NAOMI L. LEE 2121 GARDEN AVENUE KLAMATH FALLS, OR 97601 (11)9700000214673566 OCCUPANT 2121 GARDEN AVENUE KLAMATH FALLS, OR 87601 (11)9700000214673627 OREGON DEPARTMENT OF HUMAN SERVICES Sender: Trustee Corps 17100 Gillette Ave. Irvine CA 92614 ESTATE ADMINISTRATION UNIT, ATTN: VERCNICA SEPULVEDA P.C. BOX 14021 SALEM, OR 97309-5024 Postal Class: Mail Date: Type of Mailing: Attachment: 1 Exhibit A to Declaration of Mailing Electronic - Ret 12/10/2025 OR 0310176-01 000 1201449 Trustee_000418 71969002484102214125 NAOMI L. LEE 2121 GARDEN AVENUE KLAMATH FALLS, OR 97601 71969002484102214187 OCCUPANT 2121 GARDEN AVENUE KLAMATH FALLS, OR 97601 71968002484 102214200 OREGON DEPARTMENT OF HUMAN SERVICES Sender: Trustee Corps 17100 Gillette Ave. Irvine CA 92614 ESTATE ADMINISTRATION UNIT, ATTN: VERONICA SEPULVEDA P.O. BOX 14021 SALEM, OR 97308-5024 TS No. OR09000081-25-1 APN 480054 | 3809-033AC-05800 TO No 250610784-OR-MSI TRUSTEE'S NOTICE OF SALE Reference is made to that certain Trust Deed made by. MAOMI L. LEE SINGLE as Grantor to FIDELITY NATIONAL TITLE COMPANY OF OREGON as Trustee, in favor of MOCRTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as designated nominee for LOANDEPOT.COM, LLC, Benefiviary of the security instrument, its successors and assigns, dated as of November 9, 2021 and recorded on November 22, 2021 as Instrument No. 2021-017494 and the beneficial interest was assigned to SELENE FINANCE LP and recorded June 13, 2025 as Instrument Number 2025-004512 of official records in the Office of the Recorder of Klamath County, Oregon to-wit: APN: 4800564 | 3809-033AC-05800 LOT 409, BLOCK 110, MILLS ADDITION TO THE C'Y OF KLAMATH FALLS, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. Commonly known as: 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 Both the Beneficiary, Selene Finance LP, 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 fareclosure is made is the Grantor's failure to pay: Failed to pay payments which became due Total Payment(s): Total Payment(s) from 01/01/2025 to 12/15/2025 at $7,699.44 Total Late Charge(s): Total Late Charge(s) at $188.48 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 sura of $102,342.55 together with interest thereon at the rate of 3.12500% per annum from December 1, 2024 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 cn April 23, 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 wiich 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 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 aeciding to place a bid for this property at the Trustee's sale. TS No. OR09000081-25-1 APN 480054 | 3809-033AC-05800 TO No 250610784-OR-MS| In censtruing 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 Granior as well as any other persons owing an obligation, the performance of which is secured by said Trust Deed, the words “Trustee” and "Beneficiary” includes their respective successors in interest, if any. Dated: 12/04/2025 thtth 0SB #120112 S,u cessor Trustee A notary public or other officer completing this certificaie 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 12/04/2025 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 upan behalf of which the persen acted, executed the instrument. | certify under PENALTY OF PERJURY under the laws of the State of CALIFORNIA that the foregoing paragraph is {rue and correct. S nd official seal. A v CHRIST]NAVALENZUELA yn/\E\ /myv 0 ,%,X} COMM. # 2411215 e n 4 NOTARY PUBLIC - CALIFORNIA & INEN e g £485 " GRANGE COUNTY 0 h@/ta(r;q Pl}))hC Signatyre \ £35> COMN. EXPIRES MG, 18, 2026 1 Ji - \u/’ Malcolm & Cisneros, A L.aw Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave, lrvine, CA 92614 $48-252-8300 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 ILOSING YOUR PROPERTY IF YOU DO NOT TAKE ACTION IMMEDIATELY This notice is about your mortgage loan on your property at: 2121 GARDEN AVENUE, KLAMATH FALLS, Oregon 97601. 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 December 15, 2025 to bring your mortgage loan current was $9,775.92. 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 23, 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. OR09000081-25-1 APN 480054 | 3809-033AC-05800 TO No 250610784-OR-MS| 3. You can call SELENE FINANCE, LP at (877) 768-3759 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 gquestions, 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. armF. Smith, OSB #120112 Successor Trustee NOTICE TO RESIDENTIAL TENANTS The property in which you are living is in foreclosure. A foreclosure sale is scheduled for April 23, 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:we 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 lt:avq the sheriff remove you from the property after a court hearing. You will receive notice of the court earing. PROTECTION FROM EVICTION IF YOU ARE ABONA FIDE TENANT OCCUPYING AND RENTING THIS PROPERTY AS ARESIDENTIAL 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 AWRITTEN 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: ¢ |s the result of an arm's-length transaction,; *+ Requires the payment of rent that is not substantiaily 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 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 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. I[f 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: §03-473-8329 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:/iwww.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 http://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) 2025-010887 Klamath County, Oregon NOTICE OF DEFAULT 12/05/2025 02:58:02 PM AND ELECTION TO SELL Fee: $107.00 RE: Trust Deed from: NAOM! L. LEE SINGLE, Granter To: Nathan F. Smith, OSB #120112 After recording retum to: Malcoim & Cisneros, A Law Corporation Attention; Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave Irvine, CA 92614 TS No. OR08000081-25-1 APN 480054 | 3809-033AC-05800 TO No 250610784-OR-MSI Reference is made to that certain Trust Deed made by NAOMI L. LEE SINGLE as Grantor, to FIDELITY NATIONAL TITLE COMPANY OF OREGON as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS"), as designated nominee for LOANDEPOT.COM, LLC, Beneficiary of the security instrument, its successors and assigns, dated as of November 9, 2021 and recorded November 22, 2021 in the records of Klamath County, Oregon as Instrument No. 2021-017494 and the beneficial interest was assigned to SELENE FINANCE LP and recorded June 13, 2025 as Instrument Number 2025-004512 covering the following described real property situated in the above- mentioned county and state, to wit: APN: 480054 | 3809-033AC-05800 LOT 409, BLOCK 110, MILLS ADDITION TO THE CITY OF KLAMATH FALLS, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. The undersigned hereby certifies that no assignments of the Trust Deed by the Trustee, Nathan F. Smith, OSB #120112, or by the Beneficiary, Selene Finance LP, 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 fo pay when due the following sums: The total monthly payment(s) in the amount of $7,699.44 beginning January 1, 2025, as follows: $7,699.44 = 12 monthly payment(s) 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 $109,413.08, said sums being the following: 1. Principal balance of $102,342.55 and accruing interest as of December 15, 2025, per annum, from December 1, 2024 until paid. 2. $3,320.91 in interest $188.48 in late charges $87.00 in total fees $1,686.14 in negative escrow balance $608.00 in corporate advances $30.00 in NSF fees $1,250.00 in foreclosure fees and costs Together with title expenses, costs, Trustees fees and aftorney 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. CONOOEW 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 23, 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 orinterest 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: NACMI L. LEE 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 OCCUPANT 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 OREGON DEPARTMENT OF HUMAN SERVICES ESTATE ADMINISTRATION UNIT, ATTN: VERONICA SEPULVEDA, P.O. BOX 14021, SALEM, OR 97309-5024 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 attomey'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 compenents 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. OR08000081-25-1 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” -ind "Beneficiary" include their respective successors in interest, if any. Dated: 12/04/2025 By: Mathan ith, OSB #120112 Successor Trustee A notary public or other officer completing this cerlificate verifies only the identity of the individual who signed the document, to which this cerificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF ORANGE On 12/04/2025 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. ORANGE COUNTY ESS my h nd and official seal. 6 Ol —~ 2\ COMM, EXPIRES AUG. 18, 20267 N‘otén{)lbhc Sighatdre e O e Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORFPS 17100 Gillette Ave, Irvine, CA 92614 949-252-8300 ~ CHRISTINA VALENzuzln‘g 3 COMM. # 2411215 & gq NOTARY PUBLIC - CALIFORNIA 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 o collect a debt or to impose personal liability for such obligation. However, a secured party retains rights under its security instrumeat, including the right to foreclose its lien. TS No. OR0S000081-25-1 After recording, return to: LANDRY BEAR SELENE FINANCE LP 3501 OLYMPUS BLVD, SUITE 500 DALLAS, TX 75018 OREGON FORECLOSURE AVOIDANCE PROGRAM BENEFICIARY EXEMPTION AFFIDAVIT Lender/Beneficiary: |Selene Finance LP Jurisdiction* Delaware *If Lendar/Beneficiary is not a natural persen, provide the state or other jurisdiction In which the Lender/Beneficiary is ergantzed. I, Vanca Nelson {printed name) being first duly sworn, depose, and state that: This affidavit is submitted for a clalm of exemption to the Office of the Altorney General of Oregon under ORS 86.726(1)(b). 1. The above named individual or enlity 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 advertissment and sale under ORS 86,752 or by suit under ORS 88.010 during the prior calendaryear: 29 [notto exceed 30]; 2 The undersigned further certifies that shefhe: [check only one of the following boxes] [V ]is the individual claiming exemption from requirements established under ORS 86.705 to 86.815, or [_listhe {insert tille] of the entity claiming exemption from requirements established under ORS 88.705 to execute this affidavit on its behalf, Stateof _1°X3S ) ) 8s. County of _Dallas SIgnj :nd swom 'Ul(‘:;?mrm d) before me this 2 day of @um:? LY. Stanlev Roaers Jr. Notary Public for Texas My commission explres: __ FER 232027 STANLEY ROGERS, JA. Notaw Public, Stato of Toxas Comm. Expires 02-23-2027 Notary ID 134216864 and is authorized by such entity Form 300 V7/5/14 NOTICE OF DEFAULT AND ELECTION TO SELL RE: Trust Deed from: NAOMI L. LEE SINGLE, Grantor To: Nathan F. Smith, OSB #120112 After recording return to: Malcolm & Cisneros, A Law Corporation Attention: Nathan F. Smith, OSB #120112 c/o TRUSTEE CORPS 17100 Gillette Ave Irvine, CA 92614 TS No. OR09000081-25-1 APN 480054 | 3800-033AC-05800 TO No 250610784-CR-MSI Reference is made to that certain Trust Deed made by NAOMI L. LEE SINGLE as Grantor, to FIDELITY NATIONAL TITLE COMPANY OF OREGON as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“‘MERS"), as designated nominee for LOANDEPOT.COM, LLC, Beneficiary of the security instrument, its successors and assigns, dated as of November 8, 2021 and recorded November 22, 2021 in the records of Klamath County, Oregon as Instrument No. 2021-017494 and the beneficial interest was assigned to SELENE FINANCE LP and recorded June 13, 2025 as Instrument Number 2025-004512 covering the following described real property situated in the above- mentioned county and state, to wit: APN: 480054 | 3809-033AC-05800 LOT 409, BLOCK 110, MILLS ADDITION TO THE CITY OF KLAMATH FALLS, ACCORDING TO THE OFFICIAL PLAT THEREOF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, OREGON. The undersigned hereby certifies that no assignments of the Trust Deed by the Trustee, Nathan F. Smith, OSB #120112, or by the Beneficiary, Selene Finance LP, 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 actiun 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 amuunt of $7,699.44 beginning January 1, 2025, as follows: $7,699.44 = 12 monthly payment(s) 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 $109,413.08, said sums being the following: 1. Principal balance of $102,342.55 and accruing interest as of December 15, 2025, per annum, from December 1, 2024 until paid. 2. $3,320.91 in interest $188.48 in late charges $87.00 in total fees $1,586.14 in negative escrow balance $608.00 in corporate advances $30.00 in NSF fees $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. CoNOOAW 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 23, 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: NAOMI L. LEE 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 OCCUPANT 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 OREGON DEPARTMENT OF HUMAN SERVICES ESTATE ADMINISTRATION UNIT, ATTN: VERONICA SEPULVEDA, P.O. BOX 14021, SALEM, OR 97309-5024 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 defauit 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. OR0S000081-25-1 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: 12/04/2025 By: Néathan ith, OSB #120112 Successor Trustee A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document, ta which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. STATE OF CALIFORNIA COUNTY OF ORANGE On 12/04/2025 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, e Y . CHRISTINA VALENZUELAS 4§ESS my hand and official seal. 6 ) Com. # 2411215 5 L PO {27} NOTARY PUBLIC - CALIFORNIA Gro VIR~ SeEalY oraNGE COUNTY O Nbtél’f P}Jb!ic Sigdat[}re ] oSdres COP@. EXPIRES AUG, 18, 20267 L N, Malcolm & Cisneras, 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 cr 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. TS No. OR09000081-25-1 Recording Requested By: When Recorded Mail to: Nathan F. Smith ¢/o Trustee Corps 606 W. Gowe Street Kent, WA 88032-5744 TS No. OR08000081-25-1 APN 480054 | 3809-033AC-05800 TO No. 250610784-OR-MSI AFFIDAVIT OF COMPLIANCE AFTER RECORDING, RETURN TO: Nathan F. Smith c/o Trustee Corps 17100 Gillette Ave Irvine, CA 92614 AFFIDAVIT OF COMPLIANCE With Oregon Laws 2013, chapter 304, section 9 Grantor: NAOMI L. LEE SINGLE Beneficiary: Selene Finance LP Trustee: Nathan F. Smith, OSB #120112 Property Address: 2121 GARDEN AVENUE, KLAMATH FALLS, OR 97601 Instrument Recording No.: [2021-017494 1, the undersigned, being duly sworn, hereby depose and say that: DOCUMENT EXECUTION SPECIALIST (1) lamthe of Selene Finance LP, who is the Beneficiary of the above referenced residential trust deed. (2) The Beneficiary has determined that the Grantor(s) of the above-referenced instrument: [ ] not eligible for a foreclosure avoidance measure; or 5(] has not complied with the terms of a foreclosure avoidance measure to which the grantor(s) has/have agreed; or [ ] has not requested a foreclosure avoidance measure. &) M The beneficiary 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. OR09000081-25-1 24) 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 beneficlary as a federally chartered national bank. Selene Finance LP m {Signatfiie) MICHAEL JACKSON (Printed Name) STATE OF _____&XA3 COUNTY OF DALLAS Subscribed and swom to {or affirmed) hefore me this L';___ day of l\lm l’)r 2025, by MipnARL JACKSON of Selene Finance Lp Notary Pué’;c's Sl%nature FZB 2 3 2027 My Commission Expires: Navaz, STANLEY ROGERS, JR. otary Public, Stoto of Toxas omm. Expiros 02-23-2027 Notary ID 1342156864 S 7 t-4 S % Tty 1880, KRS 7 %, 230 'lfv'm‘ oZ 5 > % Recording Requested By: When Recorded Mail to: Nathan F. Smith cfo Trustee Corps 606 W. Gowe Street Kent, WA 88032-5744 TS No. OR08000081-25-1 APN 480054 | 3809-033AC-05800 TO No. 250610784-OR-MS! AFFIDAVIT OF PUBLICATION AFFIDAVIT OF PUBLICATION STATE OF OREGON, COUNTY OF KLAMATH 1, Benjamin Cedarleaf, Advertising Executive, being duly sworn, depose and say that I 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 # 26004 TS# OR09000081-25-1 2121 Garden 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: 01/07/26, 01/14/26, 01/21/26, 01/28/26 P educlog Subscribed and sworn by Benjtmin Cedarleaf before me on: 01/28/26 ] NOTARY PUBLIC - OREGON COMMISSION NO. 1062132 Ay coumsszon EXPIRES SEPTEMBER 16, 2029 ADYZ 702375 AD# 792375 I TRUSTEE'S NOTICE OF SALE TS No, OR08000081-25-1 APN 480054 | 3809-033AC- 058C0 TO No 250610784-OR-MS| TRUSTEE'S NOTICE OF SALE Reference s made ta that certaln Trust Deed made by, NAOMI L, LEE SINGLE as Grantor to FIDELITY NATIONAL TITLE COMPANY OF OREGON as Trusles, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as dasignated nominee for LOANDE- POT.COM, LLC Bena?cln? of tha securlty Instrument, its SUCCessors anJ assigns, dated as of Novemnber 8, 2021 and recorded on November 22, 2021 as Instrumant No. 2021-017494 and the beneficla!l Interast was assigned to SELENE FINANCE LP and recorded June 13, 2026 as Instrument Number 2025-004512 of official records in the Office of tha Recordar of Klamath County, Oragon to-wit: APN: 480054 | 3809-033AC-05800 LOT 409, BLOCK 110, MILLS ADDITION TO THE CITY OF KLAMATH FALLS, AC- CORDING TO THE OFFICIAL PLAT TRERECF ON FILE IN THE OFFICE OF THE COUNTY CLERK OF KLAMATH COUNTY, CREGON, Com known as: 2121 GARDEN AVENUE, KLAMATH FALLS, OR 976801 Both the Beneficia- , Selens Finance LP, and the Trustes, Nathan F. Smith, SB #120112, have elected to sell the said roa) property to salisfy the obligations secured by sald Trust Deed and nolice has been recorded pursuant to Section 86,762(3) of Oregon Revisaed Statutes. The delault lor which the fore- closure Is made is the Granlor’s (allure {o pay: Falled to y payments which became due Tolal Paymaeni(s): Totat {:sngs) from 01/01/2025 to 12/15/2025 al $7,699.44 To- tal Late hargeés): Totel Late Chatge(s) at $188.48 BY this reason of sald defauit the Beneficlary has declared all ob- ligatlons secured by sald Trust Deed immedialely due and gazsble, said sums being the following, lo-wit: The sum of 102,342.56 (egether with interest thereon al the rale of 3,12500% per annum from Dacember 1, 2024 unlil pald; Hus all accrued late charges thereon; and all Trustes's lees, oreclosura casts and any sums advanced by the Benefi- clary pursuani to lhe terms of sald Trus| Deed. Wherefore, notice Is heraby ?Ivan that, the undergigned Trustae will an April 23, 20286 al the hour of 01:00 PM, Standard of Tims, as established by Sectlon 187110, Org Revisaed Stat- uss, Front Steps, Klamath County Clrouit Court, 316 Main Strast, Klumath Falls, OR 97601 Counly of Klamath, sell at public auction to the highest bidder for cash the intar- g8t In the sald dascribed eal moperly which the Grantor had or had power (o convay at the time of the execution b! him ol tha sald Trust Deed, together with any Intarest whici the Grantor or his succossors In Interest acquired after the exscution of sald Trust Desd, to satlsfy the foregoing ob- ligatlons thereby secured and the cosis and exponses of sale, including a reasonable charge by the Trusige. Nolice Is further given that anY peison named In Saction 86.778 of Oregon Asvisad Stalules has the right to have the loreclo- sure procesding dismissed and the Trust Daed relnstaled by payment to the Beneliciary of tha entira amount then due (other than such porlion of sald principal as would not then be due had no defaull occurred), togeiher with the costs, Trustag's ar attorney’s fees and curing any other de- faull complained of in the Notice of Defaull by lendering the parformance required undar tha obligalion or Trust Dead, al an&lime prior o five days before the date [ast set for sale. Wilhout imiling the Trustee's disclaimer of representations or warcanties, Oragon law raquires the Trustee to state In this notice that soms rasidential property sold at & Trust- ee’s sala ma{hhxve baen used in manufgcluring metham- a,hatamlnes. s chemical components ol which are known be toxic. Prospeciive purchasers aof resldential progerty should te aware of this polantial dangar belore deciding to placa a bid {or this property at the Trusted’s sala. In con- struing this notice, the masculine gender includes the fem- Inine and the neuler, the singular Includas plural, the word “Grantor” Includes any successor In Intarest to the Grant- or as well as any other peraons owing an obligation, tho performance of which is secured by sald Trust Deed, the words “Trusteg” and "Bene?ciarr Inciudas thelr raspaciive succassors in inlerast, if any. Daled: 12/04/2025 By: Nathan F. Smith, 0SB #120112 Successor Trusiee Malcolm & Cis- naros, A Law Corporation Attention: Nathan F. Smith, 0SB #120312 ¢Jo TRUSTEE CORPS 17100 Gillefte Ave, lrvine, CA 82614 949-262-8300 NPP0482241 To: HERALD AND NEWS 01/07/2028, 01/14/2028, 01/21/2026, (1/28/2026 826004 January 7, 14, 21, 28, 2026 — e Recording Requested By: When Recorded Mail to: Nathan F. Smith c/o Trustee Corps 606 W. Gowe Street Kent, WA 98032-5744 TS No. OR08000081-25-1 APN 480054 | 3809-033AC-05800 AFFIDAVIT OF SERVICE TO No. 250610784-OR-MSI A ) po4sZ 24 M f’ PROOF OF SERVICE JEFFERSON STATE PROCESS SERVICE STATE CF: Oregon COUNTY OF: Klamath I 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 Attorney for the PlaintiffiDefendant, as follows: TRUSTEE’S NOTICE OF SALE FOR THE WITHIN NAMED: All Occupants of 2121 Garden Ave. Klamath Falls, OR 97601 D