NOTICE OF DEFAULT AND INTENT TO FORECLOSE Early Law, P.A f/k/a Gasdick Stanton Early, P.A. has been appointed as Trustee by MONERA FINANCIAL, LLC, A FLORIDA LIMITED LIABILITY COMPANY for the purposes of instituting a Trustee Foreclosure and Sale under Fla. Stat. §721.856. The following owners are hereby notified that you are in default of the note and mortgage for the following properties located in Indian River County, Florida: Contract Number: 487100046497 - MICHAEL EDWARD DERRIG, 324 W 10TH ST, SAN PEDRO, CA 90731-3716; Principal Balance: $6,884.63; Interest: $ 177.75; Late Charges: $12.72; TOTAL: $7,075.10 through June 10, 2025 (per diem: $3.23/day thereafter) for the following Property: An undivided 0.1567% interest in Unit 15B of the Disney Vacation Club at Vero Beach, a leasehold condominium (the ‘Condominium’), according to the Declaration of Condominium thereof recorded in Official Records Book 1071, Page 2227, Public Record of Indian River County, Florida, and all amendments thereto. The Use Year for the Unit(s) referenced above begins on the first day of June. Purchaser’s Ownership Interest shall be symbolized as 150 Home Resort Vacation Points. Contract Number: 487100047123 - TRACY LYNN ERLANGER, 219 PLATINUM ST, HENDERSON, NV 89015-7484; Principal Balance: $9,033.47; Interest: $619.85; Late Charges: $23.61; TOTAL: $9,676.93 through June 10, 2025 (per diem: $4.49/day thereafter) for the following Property: An undivided 0.6607% interest in Unit 56A of the Disney Vacation Club at Vero Beach, a leasehold condominium (the ‘Condominium’), according to the Declaration of Condominium thereof recorded in Official Records Book 1071, Page 2227, Public Record of Indian River County, Florida, and all amendments thereto. The Use Year for the Unit(s) referenced above begins on the first day of October. Purchaser’s Ownership Interest shall be symbolized as 200 Home Resort Vacation Points. The owners must pay the TOTAL listed above plus the per diem and a $ 300.00 fee for trustee foreclosure sale plus costs as they accrue, if any. Failure to cure the default set forth herein or take other appropriate action regarding this matter will result in the loss of ownership of the timeshare through the trustee foreclosure procedure set forth in F.S.721.856. You have the right to submit an objection form, exercising your right to object to the use of the trustee foreclosure procedure. If the objection is filed this matter shall be subject to the judicial foreclosure procedure only. The default may be cured any time before the trustee's sale of your timeshare interest. If you do not object to the trustee foreclosure procedure, you will not be subject to a deficiency judgment even if the proceeds from the sale of your timeshare interest are insufficient to offset the amounts secured by the lien. Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. By: Early Law, P.A f/k/a Gasdick Stanton Early, P.A., 5950 Hazeltine National Drive, Suite 650, Orlando, FL 32822 Pub: Oct. 2 & 9, 2025 TCN11708203