PUBLIC NOTICE TRUSTEE SALE APN: 020-011-008 File # LTTSG2501197 T.S. No.: 25-14383-118 Notice of Unified Trustee's Sale Deed of Trust Security Agreement, Assignment of Rents and Fixture Filing (hereinafter referred to as 'Deed of Trust') You are in default under a deed of trust dated 6/22/2016. 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. A public auction sale to the highest bidder for cash, cashier's check drawn on a state or national bank, check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The 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 the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Original Trustor(s): Kenneth Zwart and Beverly Zwart husband and wife as joint tenants Duly Appointed Trustee: WT Capital Lender Services, a California corporation Recorded 6/29/2016 as Document No. 2016-0048366-00, of Official Records in the Office of the Recorder of Stanislaus County, California Date of Sale: 4/27/2026, at 1:00 PM Place of Sale: At the "I" Street side of the County Courthouse Bldg., 1100 "I" Street, Modesto, Ca 95354 Amount of unpaid balance and other charges: $380,550.79 Estimated Accrued interest and additional advances, if any, will increase this figure prior to sale. Street Address or other common designation of real property: None given: Directions to said property may be obtained by submitting a written request within ten (10) business days of the first publication to: U.S. Bank National Association, as Custodian/Trustee for Federal Agricultural Mortgage Corporation programs, c/o WT Capital, 7522 North Colonial Avenue, Suite 111, Fresno, Ca 93711. Legal Description: The land referred to herein below is situated in the unincorporated area in County of Stanislaus, State of California and is described as follows: Parcel 1: parcel 8 as shown on that certain parcel map filed December 5, 1990 in volume 43 of parcel maps, at page 69, Stanislaus County Records; and being a portion of the north 1/2 of section 29, and the north 1/2 and the north 1/2 of the south 1/2 and the southwest quarter of the southwest quarter of section 30, township 4 south, range 13 east, Mount Diablo Base and Meridian, lying within Stanislaus County. Subject to those certain rights, easements, encumbrances and privileges pursuant to covenants, conditions and recorded November 30, 1990, as recorder's instrument no. 99309, and as amended by document recorded December 12, 1990, as instrument no. 103440, Stanislaus County Records and recorded November 30, 1990, as recorder's instrument no. 35430 and as amended by document recorded December 11, 1990, as instrument no. 36708, Merced County Records. Excepting therefrom all minerals including oil, gas, asphaltum and other hydrocarbon substances as granted to Atc Realty Eleven Inc., by deed recorded January 3, 1989, as instrument no. 343, by document recorded January 8, 1991, as instrument no. 001859, said mineral interest above a depth of 500 feet was granted and is herewith, included, also surface entry rights for removal etc., were waived. Parcel 2: Rights, easements and privileges including ingress and egress and in particular over, under, along and across Silver Creek Road pursuant to that certain declaration of restrictions and road maintenance agreement recorded November 30, 1990, as recorder's instrument no. 99309 and as amended by document recorded December 12, 1990, as instrument no. 103440, Stanislaus County Records and recorded November 30, 1990, as recorder's instrument no. 35430, and as amended by document recorded December 11,1990, as instrument no. 36708, Merced County Records. A.P.N.: 020-011-008 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Beneficiary hereby elects to conduct a unified foreclosure sale pursuant to the provisions of California Commercial Code section 9604, et seq., and to include in the non-judicial foreclosure of the real property interest described in the Notice of Default and Election to Sell Under Deed of Trust, all of the personal property and fixtures, together with replacements and proceeds, if applicable, described in the security agreement, dated 6/22/2016, and in a UCC-1 Financing Statement filed with the Secretary of State, State of California, on 6/28/2016, as Filing No.16-7533320323, and recorded in the Office of the Stanislaus County Recorder on 6/29/2016 as Instrument No. 2016-0048369-00 between the original trustor and the original beneficiary, as it may have been amended from time to time, and pursuant to any other instruments between the trustor and beneficiary referencing a security interest in personal property. Beneficiary reserves its right to revoke its election as to some or all of said personal property and/or fixtures, or to add additional personal property and/or fixtures to the election herein expressed, at Beneficiary's sole election, from time to time and at any time until the consummation of the Trustee's Sale to be conducted pursuant to the Deed of Trust and this Notice of Trustee's Sale. A description of the personal property, which was given as security for trustor's obligation is: Together with all buildings, improvements, equipment, fixtures and permanent plantings located therein or thereon or appurtenant thereto, and all additions, replacements, and improvements hereafter made thereto or placed therein or thereon; all rights-of-way, easements, rents, issues, profits, income, proceeds and general intangibles there from, tenements, hereditaments, remainders, reversions, privileges and appurtenances thereunto belonging, however evidenced which are used or enjoyed in connection with the real property now owned or belonging to the same or so used or enjoyed; Together with all water and water rights now owned or acquired by Borrower and howsoever evidenced, including but not limited to any water rights specifically described herein, whether such water and water rights are riparian, appropriative or otherwise and whether or not appurtenant to the real property, along with all ditch and ditch rights, and any shares of stock, licenses, permits and contracts evidencing such water or ditch rights, which entitled Borrower to use water for any purpose upon the Property, and all wells, reservoirs, dams, embankments or fixtures relating thereto; Together with all personal property, including all windmills, pumps, irrigation equipment, motors, engines, and devices of every kind now used for or in connection with the irrigation of the real property, or for stock watering or domestic purposes thereon, and all grain bins and storage bins, which are owned by Borrower and which are located on the real property in Stanislaus County, California, described above together with all additional accessions, replacements, improvements, repairs and substitutions to said property and the proceeds thereof and all other fixtures now located upon the real property, all of which are declared to be appurtenant to said real property, or incident to the ownership thereof, or used in connection therewith; Together with all judgments, awards of damages, settlements and payments or security (i) hereafter made as a result of or in lieu of any taking of all or any part of the real property under the power of eminent domain or for any damage to the real property and/or the improvements located thereon, or any part thereof, and (ii) made for any damage to the real property and/or the improvements located thereon, or any part thereof resulting from exercise of or attempted exercise of mining rights or claims, however reserved or asserted, and resulting from the disturbance of any of the surface of the real property. Borrower does hereby covenant and agree that Borrower will not give such consent as may be required of the owner for mining or other surface disturbance by the terms of any patent, deed, statute, law or otherwise, without the prior written consent of Lender; Together with all proceeds of and any unearned premiums on any insurance policies covering the real property and/or the improvements located thereon, including, without limitation, the right to receive and apply the proceeds of any insurance judgments, or settlements made in lieu thereof, for damage to the real property and/or the improvements located thereon or the indebtedness secured thereby; Together with all contract rights, chattel paper, documents, accounts and general intangibles, rights to performance, entitlement to payment in cash or in kind, or any other benefits under any current or future governmental program which pertain to the real property, whether now or hereafter existing or acquired; Together with all cash and noncash proceeds of the conversion, voluntary or involuntary, of any of the foregoing; Together with any and all of Borrower's right, title, and/or interest in any and all system memberships and/or ownership certificates in any non-municipal water sewer systems now or in the future serving said property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property." In addition to the Property described in the Security Instrument, the following items now attached to the Property to the extent they are fixtures are added to the Property description, and shall also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light fire prevention and extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mirrors, cabinets, paneling, attached floor coverings, irrigation pipes and pumps, livestock fencing and pens and specifically: All irrigation equipment, including but not limited to all wells, pumps, pipes, sprinklers, now owned. Any and all water rights including but not limited to the rights pursuant to Easement and Water Use Agreement. all of which, including replacements and additions thereto, shall be deemed to be and remain a part of the Property covered by the Security Instrument. All of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to herein as the "'Property." No warranty is made that any or all of the personal property still exists or is available for the successful bidder and no warranty is made as to the condition of any of the personal property, which shall be sold "as is, where is". You have the right to request an accounting of the unpaid indebtedness secured by the property being sold. You may submit your request to the address listed below. The charge for this request is $30.00. You may be liable for any deficiency if the secured obligation is not paid in full. The beneficiary under said Deed of Trust and Security Agreement 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 to Sell to be recorded in the County where the real property is located and more than three months have elapsed since such recordation. In the event that the Deed of Trust described in this Notice of Trustee's Sale is secured by real property containing one to four single-family residences, the following notices are provided pursuant to the provisions of Civil Code section 2924f. 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 at 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 outstanding liens 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. Bidders at the trustee auction must make cashier's checks payable to WT Capital. Third party cashier's checks will not be accepted. 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 559-228-8393 or visit this internet website www.wtcap.com, using the file number assigned to this case 25-14383-118. 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 website. The best way to verify postponement information is to attend the scheduled sale. Notice to tenant: Effective January 1, 2021, 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 (559) 228-8393, or visit this internet website www.wtcap.com, using the file number assigned to this case 25-14383-118 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 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. 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 transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at at https://www.federalregister.gov/documents/2024/08/29/2024-19198/anti-money-laundering-regulations-for -residential-real-estate-transfers and https://www.fincen.gov/rre-faqs Dated: March 31, 2026 WT Capital Lender Services, a California corporation 7522 North Colonial Avenue, Suite 111 Fresno, California 93711 (559) 228-8393 WTCap.com By Nate Kucera, Chief Executive Officer (IFS# 43714 04/04/26, 04/11/26,04/18/26) Apr 4, 11, 18, 2026 TJ#26-061