Title Order No.: LTTSG2500829 Trustee Sale No.: 88443 Loan No.: 2023121 APN: 416-631-006 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/30/2023 . UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 2/24/2026 at 10:00 AM UNION HOME LOAN, INC. as the duly appointed Trustee under and pursuant to Deed of Trust Recorded on 9/14/2023 as Instrument No. 2023028542 in book N/A, page N/A of official records in the Office of the Recorder of Monterey County, California, executed by: BILLIE ELAINE PENNISI AN UNMARRIED WOMAN , as Trustor SEE ATTACHED BENEFICIARY ADDENDUM , as Beneficiary WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state). At: Outside the Main entrance of the Monterey County Administration building located at 168 West Alisal Street, Salinas, CA 93901, NOTICE OF TRUSTEE’S SALE – continued all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County, California describing the land therein: See Exhibit “A” Attached Hereto And Made A Part Hereof. The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 350 SAN BENANCIO RD SALINAS, CA 93908. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of trusts created by said Deed of Trust, to-wit: $1,213,365.64 (Estimated). Accrued interest and additional advances, if any, will increase this figure prior to sale. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election of Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation. DATE: 1/23/2026 FOR: UNION HOME LOAN, INC., as Trustee BY: CALIFORNIA TD SPECIALISTS, AS AGENT 8190 EAST KAISER BLVD., ANAHEIM HILLS, CA 92808 PHONE: 714-283-2180 FOR TRUSTEE SALE INFORMATION LOG ON TO: www.stoxposting.com CALL: 844-477-7869 JANINA HOAK, TRUSTEE SALE OFFICER CALIFORNIA TD SPECIALIST IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. “NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid on a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of the outstanding lien that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. "Please be advised that the trustee may require entity or trust bidders at this trustee's sale to provide Information, documentation and/or certification of the vesting instructions and the data required to be reported pursuant to FinCEN regulations effective for transfers - of residential real property to covered transferees on or after March 1, 2026. The required information must be provided to the trustee before a trustee's deed upon sale will be issued for covered transfer. Additional information regarding these regulations and the required transferee Information and certifications can be found at https://www.federalreglster.gov/documents/2024/08/29/2024-19198/anti-money-laundering¬regulations-for-residentall-real-estate-transfers and https://www.fincen.gov/rre-faqs#d 5" NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and if applicable, the rescheduled time and date for the sale of this property, you may call 844-477-7869, or visit this internet Web site www.stoxposting.com, using the file number assigned to this case T.S.# 88443. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.” For sales conducted after January 1, 2021: NOTICE TO TENANT: You may have a right to purchase this property after the trustee auction pursuant to Section 2924m of the California Civil Code. If you are an “eligible tenant buyer,” you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an “eligible bidder,” you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call (844) 477-7869, or visit this internet website www.STOXPOSTING.com, using the file number assigned to this case 88443 to find the date on which the trustee’s sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee’s sale. Third, you must submit a bid; by remitting the funds and affidavit described in Section 2924m(c) of the Civil Code; so that the trustee receives it no more than 45 days after the trustee’s sale. If you think you may qualify as an “eligible tenant buyer” or “eligible bidder,” you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase. Disclosure In compliance with CA civil code 2924f(F), the opening bid for the foreclosure sale is based on a valuation provided t the trustee by the lender of the lender's representative. The trustee does not determine, verify, or opine on the accuracy of this valuation and makes no representation regarding the market value of the property subject to foreclosures (the "Property"). The trustee's compliance or non-compliance with CA civil code 2924f(f) shall not be construed as an opinion, warranty, or representation regarding (i) the priority of the deed of trust being foreclosed, (ii) the condition of title to the Property, or (iii) any other matters affecting the Property, Including the value of the Property. The trustee relies solely on the trustee's sale guaranty and/or Information provided by the lender regarding the lien priority and title condition and does not Independently verify such Information. All bidders are solely responsible for conducting their own Independent due diligence regarding the loan, the Property, its value, the lien priority of the deed of trust being foreclosed, and the condition of the title to the Property. The trustee assumes no liability for the accuracy or completeness of any information provided by third parties, including the lender. The valuation used to determine the minimum opening bid applies only to the Initially scheduled sale date. Any postponement or continuation of the sale does not obligate the trustee to obtain or rely upon a new valuation, nor does It alter the trustee's limited role in the process. EXHIBIT "A" Legal Description For APN/Parcel ID(s): 416-631-006 THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF SALINAS, COUNTY OF MONTEREY, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: PARCEL I: PARCEL 6, AS SHOWN AND SO DESIGNATED ON THAT CERTAIN RECORD OF SURVEY MAP FILED DECEMBER 19, 1995 IN VOLUME 19 OF SURVEYS, AT PAGE 129, IN THE OFFICE OF THE COUNTY RECORDER OF THE COUNTY OF MONTEREY, STATE OF CALIFORNIA. PARCEL II: AN EASEMENT FOR ROAD AND PUBLIC UTILITIES PURPOSES, 60 FEET WIDE, THE CENTERLINE OF WHICH IS DEFINED BY COURSES LABELED "R-5 THROUGH "R-23" ON SAID FILED RECORD OF SURVEY MAP HEREINABOVE REFERRED TO. PARCEL III: AN EASEMENT FOR TANK LOT PURPOSES WHICH IS LABELED "50' X 60' TANK LOT EASEMENT" AND WHICH IS DEFINED BY COURSES LABELED "R-24 THROUGH "R-28" ON SAID FILED RECORD OF SURVEY MAP HEREINABOVE REFERRED TO. PARCEL IV: AN EASEMENT FOR WELL LOT PURPOSES WHICH IS LABELED "50' X 50' WELL LOT EASEMENT" ON SAID FILED RECORD OF SURVEY MAP HEREINABOVE REFERRED TO. PARCEL V: AN EASEMENT FOR LEACH FIELD PURPOSES WHICH IS LABELED "110' X 110' WATER TREATMENT LEACH FIELD EASEMENT" SHOWN ON SAID FILED RECORD OF SURVEY MAP HEREINABOVE REFERRED TO. Beneficiary Addendum Robert M. Russak and/or Marlene Russak, trustees, or successor trustee(s) of the Russak Family Trust Dated February 8, 2001 as to an undivided 42.253% interest ($450,000/$1,065,000) and Forge Trust Co. CFBO Lyle A. Overby IRA Account No. IRA745856, as to an undivided 18.779% interest ($200,000/$1,065,000) and Mark Grumet and/or Pearl Grumet, Trustees of the Grumet Family Trust u/t/d April 18, 2013, or any successor trustee thereto as to an undivided 11.737% interest ($125,000/$1,065,000) and Ema Buzz, LLC, a California limited liability company as to an undivided 9.390% interest ($100,000/$1,065,000) and Stewart Consulting, Inc. a California Corporation as to an undivided 9.390% interest ($100,000/$1,065,000) and Mabel Palmer-Seltzer, Trustee of The Mabel Palmer-Seltzer 1997 Trust as to an undivided 8.451% interest ($90,000/$1,065,000) January 30, February 6,13,2026 12029298