Title Order No.: 2738724CAD T.S.#: 2024-07544 HOA File #: 010110195 APN No.: 12-987-250 NOTICE OF TRUSTEE'S SALE YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT DATED SEPTEMBER 10, 2024. 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 October 15, 2026, at 12:00 PM, United Trustee Services as the duly appointed Trustee under and pursuant to Notice of Delinquent Assessment, recorded on September 16, 2024, as Document No. 2024112918 of Official Records in the Office of the Recorder of ALAMEDA County, California, property owned by: Raymond Edward Gerba 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 of 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 the Fallon Street emergency exit to the Alameda County Courthouse, 1225 Fallon St., Oakland, CA 94612 Acceptable form of payment is listed in CA Civil Code 2924h… 2924h {…} (b) At the trustee's sale the trustee shall have the right (1) to require every bidder to show evidence of the bidder's ability to deposit with the trustee the full amount of their final bid in cash, a cashier's check drawn on 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, or a cash equivalent which has been designated in the notice of sale as acceptable to the trustee prior to, and as a condition to, the recognizing of the bid, and to conditionally accept and hold these amounts for the duration of the sale, and (2) to require the last and highest bidder to deposit, if not deposited previously, the full amount of the bidder's final bid in cash, a cashier's check drawn on 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, or a cash equivalent which has been designated in the notice of sale as acceptable to the trustee, immediately prior to the completion of the sale, the completion of the sale being so announced by the fall of the hammer or in another customary manner. The present beneficiary of the deed of trust under foreclosure shall have the right to offset their bid or bids only to the extent of the total amount due the beneficiary including the trustee's fees and expenses. (c) In the event the trustee accepts a check drawn by a credit union or a savings and loan association pursuant to this subdivision or a cash equivalent designated in the notice of sale, the trustee may withhold the issuance of the trustee's deed to the successful bidder submitting the check drawn by a state or federal credit union or savings and loan association or the cash equivalent until funds become available to the payee or endorsee as a matter of right. All right, title and interest under said Notice of Delinquent Assessment in the property situated in said County, describing the land therein: LEGAL DESCRIPTION AS FOLLOWS: EXHIBIT “A” THE LAND REFERRED TO HEREIN IS SITUATED IN THE STATE OF CALIFORNIA, COUNTY OF ALAMEDA, CITY OF OAKLAND, AND DESCRIBED AS FOLLOWS: A CONDOMINIUM COMPRISED OF: PARCEL ONE: AN UNDIVIDED 0.722940% INTEREST IN AND TO LOT 1 OF TRACT 5837, AS PER MAP FILED MARCH 18, 1992, MAP BOOK 199, PAGES 96 AND 97, ALAMEDA COUNTY RECORDS. EXCEPTING THEREFROM THE FOLLOWING: (A) UNITS 1A THRU 1L, 2A THRU 2M, 3A THRU 3M, 4A THRU 4M, 5A THRU 5M, 6A THRU 6M, 7A THRU 7M, 8A THRU 8M, 9A THRU 9M, 10A THRU 10M, ALL INCLUSIVE, AS SHOWN ON THE CONDOMINIUM PLAN, RECORDED JULY 30, 1992, SERIES NO. 92-247664, ALAMEDA COUNTY RECORDS. (B) THE EXCLUSIVE RIGHT TO POSSESSION OF ALL THOSE AREAS DESIGNATED AS BALCONIES, STORAGE AREAS AND PARKING SPACES AS SHOWN ON SAID PLAN. PARCEL TWO: UNIT 6F AS SHOWN ON SAID PLAN. PARCEL THREE: THE EXCLUSIVE RIGHT TO POSSESSION AND OCCUPANCY OF THOSE PORTIONS OF LOT 1 DESCRIBED IN PARCEL ONE ABOVE, DESIGNATED AS BALCONY B-6F, STORAGE AREA S-72, PARKING AREAS P-60 AS APPURTENANT TO PARCELS ONE AND TWO ABOVE. The street address and other common designation, if any of the real property described above is purported to be: 1 Kelton Court Apt 6F, Oakland, California 94611 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 due under said Notice of Delinquent Assessment, with interest thereon, as provided in said notice, advances, if any, estimated fees, charges, and expenses of the Trustee, to-wit: $32,639.28 Estimated. Accrued Interest and additional advances, if any, will increase this figure prior to sale The claimant: The One Kelton Court Homeowners' Association under said Notice of Delinquent Assessment 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. 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. 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 (916) 939-0772 or visit this Internet Website nationwideposting.com, using the file number assigned to this case 2024-07544. 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. Civil Code § 5715. Right of Redemption. (a) Notwithstanding any law or any provisions of the governing documents to the contrary, this section shall apply to debts for assessments that arise on and after January 1, 2006. (b) A nonjudicial foreclosure by an association to collect upon a debt for delinquent assessments shall be subject to a right of redemption. The redemption period within which the separate interest may be redeemed from a foreclosure sale under this paragraph ends 90 days after the sale. In addition to the requirements of Section 2924f, a notice of sale in connection with an association’s foreclosure of a separate interest in a common interest development shall include a statement that the property is being sold subject to the right of redemption created in this section. 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 (916) 939-0772 for information regarding the trustee’s sale], or visit this internet website nationwideposting.com for information regarding the sale of this property], using the file number assigned to this case 2024-07544 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 NOTE THAT WE ARE A DEBT COLLECTOR Date: September 3, 2026 United Trustee Services 696 San Ramon Valley Blvd., Ste 353 Danville, CA 94526 (925) 855-8554 For Sales Information Please Call (916) 939-0772 Nashone Anderson, Director of Production OAK0494188 To: INTER CITY EXPRESS 09/16/2026, 09/23/2026, 09/30/2026