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 WYNDHAM VACATION RESORTS, INC., A DELAWARE CORPORATION 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 Okaloosa County, Florida: Contract Number: 2001600378 - OSCAR D HAND, 16851 S HARLAND AVE APT 318, TINLEY PARK, IL 60477; Principal Balance: $24,462.57; Interest: $3,215.68; Late Charges: $60.00; TOTAL: $27,738.25 through October 6, 2025 (per diem: $8.74/day thereafter) for the following Property: One (1) Designated Vacation Ownership Interest (“VOI”) having a 1,000,000/54,549,000 undivided interest in the real property commonly known as Units 56 and 57 of CAPTAINS' COURT AT HARBORWALK VILLAGE CONDOMINIUM ("CONDOMINIUM"); a(n) 1,000,000/54,549,000 ownership interest / allocated 1,000,000 Points as defined in the Declaration for use in Each year(s). All within CAPTAINS' COURT AT HARBORWALK VILLAGE CONDOMINIUM ("CONDOMINIUM"), together will all appurtenances thereto, according and subject to the Declaration of Condominium for Captains' Court at HarborWalk Village, a Condominium ("Condominium Declaration"), as recorded in Official Records Book 2992, Page 352, et seq., public records of Okaloosa County, Florida, together with any and all appurtenances thereto, and the DECLARATION OF VACATION PLAN FOR CAPTAINS' COURT AT HARBORWALK VILLAGE VACATION OWNERSHIP PLAN ("Timeshare Declaration"), as recorded in Official Records Book 3020, Page 4584, et seq., public records of Okaloosa County, Florida, together with any and all amendments and supplements thereto, the said Condominium Declaration and Timeshare Declaration being hereinafter collectively referred to as the "Declarations". The owners must pay the TOTAL listed above plus the per diem and a $ 340.00 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 #12099369 02/24/26 03/03/26