SUPERIOR COURT OF NEW JERSEY CHANCERY DIVISION UNION COUNTY DOCKET NO. F-011893-25 OUR FILE NUMBER: NJ202500000542 NOTICE TO ABSENT DEFENDANTS STATE OF NEW JERSEY TO 74 North Avenue LLP

SUPERIOR COURT OF NEW JERSEY CHANCERY DIVISION UNION COUNTY DOCKET NO. F-011893-25 OUR FILE NUMBER: NJ202500000542 NOTICE TO ABSENT DEFENDANTS STATE OF NEW JERSEY TO 74 North Avenue LLP YOU ARE HEREBY summoned and required to serve upon Stern & Eisenberg, PC, Plaintiff's attorneys, whose address is 1120 Rt. 73, Suite 400, Mt. Laurel, New Jersey 08054, telephone (609) 397-9200, an Answer to the Foreclosure Complaint filed in a civil action, in which U.S. Bank Trust Company, National Association, as Trustee for Velocity Commercial Capital Loan Trust 2025-2 is a Plaintiff and 74 North Avenue LLP is defendant, pending in the Superior Court of New Jersey within 35 days after February 23, 2026, the date of 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.judiciary.state.nj.us/prose/10153_deptyclerklawref.pdf. THE ACTION has been instituted for the purpose of foreclosing the following Mortgage: Dated: January 29, 2025 In the amount of: $300,000.00 Made by: 74 North Ave Realty LLC, by Wilberto Ruiz, Sole Member To: Velocity Commercial Capital, LLC, a California Limited Liability Company Recorded: February 20, 2025 at Instrument No. 74431, Book 15601 and Page 0145 Covers real estate located at: 74 North Avenue, Garwood, NJ 07027-1137 Also known as: Block 208 f/k/a 1, Lot 26, in the City of Garwood, County of Union and State of New Jersey. The nature of which and the reason that you and each of you are joined as defendants is set forth with particularity in the Complaint, a copy of which will be furnished to you on request, addressed to the attorneys of the plaintiff at the above-mentioned address. Dated: February 23, 2026 Michelle M. Smith, Esquire, CLERK SUPERIOR COURT OF NEW JERSEY February 23 2026 LNYS0463290 $43.40