SUPERIOR COURT OF NEW JERSEY CHANCERY DIVISION MONMOUTH COUNTY DOCKET NO.: F-12190-25 NOTICE TO ABSENT DEFENDANTS: SUPERIOR COURT, STATE OF NEW JERSEY TO: CHIZUK USA INC; DAVID KOLEDITSKY YOU ARE HEREBY SUMMONED AND REQUIRED to serve upon LaRocca Hornik Greenberg Kittredge Carlin & McPartland LLP, attorneys for plaintiff, whose address is 475 County Rd 520, Suite 200, Marlboro, New Jersey 07746, telephone (212)536-3529 an Answer or Motion to the Foreclosure Complaint filed in a Civil Action, in which Sheldon Schwartz, is plaintiff, and Chizuk USA INC; David Koleditsky; West Farms Howell LLC; PEC; Queen Equities, LLC ISAOA; Yechiel Guzik, ISAOA; U.S. Small Business Administration is/are a defendant(s), pending in the Superior Court of New Jersey, within thirty-five (35) days after the date of this publication, exclusive of such date. If you fail to do so, judgment by default may be rendered against you for the relief demanded in the Complaint. You shall file your Answer and proof of service in duplicate with the Clerk of the Superior Court, Hughes Justice Complex, PO Box 971, Trenton, New Jersey 08625 in accordance with the Rules of Civil Practice and Procedure. You are further advised that if you are unable to obtain an attorney, you may communicate with the New Jersey State Bar Association or Lawyer Referral Service of the county of venue and that if you cannot afford an attorney, you may communicate with the Legal Services office of the county of venue. A directory with contact information for local Legal Services Offices and Lawyer Referral Services is available in the Civil Division Management Office in the County listed above and online at http://www.njcourts.gov/forms/10153_deptyclerklawref.pdf. This action has been instituted for the purpose of foreclosing a first Mortgage dated August 24, 2018 in the amount of $100,000.00 made by Chizuk USA INC to Sheldon Schwartz recorded on September 7, 2021 in the Office of the Monmouth County Clerk/Register of Deeds in Book 9541 at Page 1428 as Instrument No.: 2021134142, which mortgage was assigned to the above named Plaintiff, which covers real estate located at US HIGHWAY 9, Howell, NJ 07731, also known as Block 25.01, Lot 135 on the Tax Map of the Lakewood, County of Monmouth, State of New Jersey. You, Chizuk USA INC and David Koleditsky, are made a party defendant to this action because you executed the note and mortgage and/or guaranty and may be liable for any deficiency and are a record owner of the subject property, and for any right, title and interest you may have in, to or on the mortgaged premises. Dated: January 29, 2026 Clerk of the Superior Court /s/ Michelle M. Smith, Esq. February 3 2026 LNYS0450874 $52.80