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About Cottage Grove sentinel. (Cottage Grove, Or.) 1909-current | View Entire Issue (Nov. 2, 2016)
2C COTTAGE GROVE SENTINEL NOVEMBER 2, 2016 PUBLIC NOTICES PUBLIC NOTICES PUBLIC NOTICES PUBLIC NOTICES PUBLIC NOTICES ONE STONE AND WIRE PENDANT/ EARING, ONE COPPER COLORED RING, 1 SLEDGE HAMMER, SET OF KEYS W/PINK LOCK W/MATCHING KEYS(2) AND ADDITIONAL KEYS, BOX W/ 1 SMALL KNIFE W/EXCENTRICK HANDLE AND 1 LG KLINGON TYPE WEAPON W/BLADES ON BOTH ENDS, 1 CHASE/HARPER FANNY PACK RED IN COLOR, 1 BLACK AND RED HOUSTON HOODY, BLACK AXIDOS CD CASE WITH NUMEROUS CD’S, 1 LARGE FACED SILVER WATCH, UNKNOWN BRAND, SENTRY SAFE LOCKBOX, BLK, PRIED OPEN, ONE TOM TOM GPS UNIT, BLACK KINDLE FIRE TABLET, ONE SET OF KEYS TOYOTA AND HOUSE TYPE, FOUND SET OF KEYS: ONE KEY AND FOB, BLACK 8 GB 1-PHONE AND 1 BLACK, 30 GB I POD, $50 US CURRENCY, ONE WHITE HUAWEI PHONE, BLACK AND RED BACKPACK, HOT PINK KEY FOB HOLDING 2 KEYS, KEYS, ONE KEY W/FOB, ROUND SILVERMETAL KEYRING W/MULTIPLE KEYS/BI MART TAG, 1 RCA BLACK PORTABLE RADIO, GUARD STAR BRAND STUN GUN, BLACK REPLICA REVOLVER, (NOT A REAL GUN), (1) AWP/HP BLACK NYLON TOOL BAG CONTAINING MISC TOOLS, BLACK BAG, METAL CASE WITH A HARMONICA, FOSSIL WATCH, MAGNIFYING GLASS, MISC JEWELRY, BACKPACK WITH MISC TOOLS & SOCKS, 2 CELL PHONES (1) MALE GOLD METAL RING, (1) FEMALE GOLD METAL RING, (1) SILVER METAL BRACELET, (1) MARINE CORP CHALLENCE COIN, GOLD COLORED RING W /3 CLEAR STONES, RED CLOTH PURSE, CELL PHONE CHARGER, READING GLASSES 1X $20 BILL, 1X $5 BILL CELL PHONE CHARGER, READING GLASSES, $20.00 BILL, $5.00 BILL, GREEN COAT LINER & SHOES, ONE PAIR OF GLASSES GRN & BROWN W/CASE (BLUE), ONE SAMSUNG TABLET, REVO scooter, 5 MISC PAPERWORK FOUND IN A FILE CABINET, (1) PINK LANYARD W/ DECORATED HOUSE KEY & SECOND BLACK KEY, GRAY SWEATSHIRT, Murray girls mountain bike, SAMSUNG METRO PCS CELLULAR PHONE, GRN LANDSCAPING CART, MEASURING TAPE, PLIERS, PAPER PLATES, GRY 26” SINGLE SPEED BIKE, (1) BLACK CANVAS BACKPACK WITH 12 DIAPERS, OREGON TRAIL CARD - OWNER UNKNOWN, Green MOUNTAIN BIKE. NO SEAT, BROKEN GEARS, ONE FOUND BIKE MGX, FOUND HOMEMADE KNIFE WITH SHOESTRING HANDLE, 1 TIRE/WHEEL, RED UTILITY TRAILER, RED DOLLY, DROP HITCH, MISC AUTO PARTS, TIRE STEEL TOOL BOX, WHITE TIRE RIM, TWO BAGS FULL OF WET CLOTHING & TOOLS. MENS BIKE FRAME, BLACK PULASKI, PURSE WITH MISC ITEMS, MAKEUP KIT, SPILLED ITEMS, BROWN/RED 12 SPD MENS BIKE, 1 WHITE PROPANE TANK W/PROPANE & HOSE & OLD RUSTED CAMP TYPE STOVE, MENS SPECIALIZED BRAND MTN BIKE, BLUE IN COLOR, MAKEUP BAG W/ MAKEUP, SMITH & WESSON 40/.357 MAGAZINE WITH 15 ROUNDS OF AMMO, RED SCHWINN BMX 20”, MOUNTAIN BIKE 18 SPEED GREY SILVER BLACK, ONE RED BAJA 300 26” 10 SPD, KEY FOB FOR NISSAN, FIXED BLADE KNIFE W/ BLUE HANDLE, HANDHELD GARDEN RAKE, BLUE BACKPACK 2-SPRAY CANS, SCOTT SUB - GREEN BIKE, Nike bag containing various items, 21 INCH MOUNTAIN BIKE; 21 SPEED BLUE& WHITE, ONE BLUE BICYCLE BMX, LG CELL PHONE / BLK / CRACKED SCREEN/ HELD TOGETHER WITH CLEAR TAPE,KEYS ON RED CHAIN W/ CLEAN & SERENE FOR 30 DAYS & “NA”. BOTTLE OPENER, SCHWINN BIKE FRAME PURPLE 15 SPEED, BOSCH POWERBOX, MEDIUM SIZED BLACK LEATHER MESSENGER BAG, GIANT MTN BIKE: SANDED AND STRIPPED DOWN, BLUE NOKIA CRICKET CELL PHONE, MENS WINDSOR MOUNTAIN BIKE WITH A NAME WRITTEN ON THE SIDE, 26” MTN BIKE; SPRAY PAINTED BLK OVER SILVER; MISSING BREAKS & GEAR CHGR UNK BRAND BMX; FOOTPEGS ON FRONT & REAR LEFT SIDE; TOOTSIE ROLL SEAT COVER, WOMENS KENT GLENDALE BIKE 26” 7 SPEED BABY BLUE W/WHITE SHOCKS, LARGE MACHETE, BLACK AT&T SMART PHONE, MOUNTAIN BIKE FULL SIZE 21 SPEED TREK ANTELOPE 800 Wells Fargo Bank, N.A. By: Jihan L. Caskey Personal Representative Attorney for Personal Representative Deborah R. Lush, OSB #023732 Heltzel Williams PC P. O. Box 1048 Salem, Oregon 97308-1048 Attorneys for Personal Representative ________________________________ attorneys. DATED and fi rst published: October 26, 2016. /s/ Wendy J. Kizer Personal Representative _______________________________ and the trustee have elected to sell the real property to satisfy the obligations secured by the trust deed and a notice of default has been recorded pursuant to Oregon Revised Statutes 86.752(3); the default for which the foreclosure is made is grantor’s failure to pay when due the following sums: monthly payments of $883.64 beginning 12/01/15; plus prior accrued late charges of $158.95; plus advances of $25.00; together with title expense, costs, trustee’s fees and attorney’s fees incurred herein by reason of said default; any further sums advanced by the benefi ciary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. By reason of said default the benefi ciary has declared all sums owing on the obligation secured by the trust deed immediately due and payable, said sums being the following, to wit: $211,997.44 with interest thereon at the rate of 2 percent per annum beginning 11/01/15; plus prior accrued late charges of $158.95; plus advances of $25.00; together with title expense, costs, trustee’s fees and attorneys fees incurred herein by reason of said default; any further sums advanced by the benefi ciary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. WHEREFORE, notice hereby is given that the undersigned trustee will on January 6, 2017 at the hour of 10:00 AM. in accord with the standard of time established by ORS 187.110, at the following place: inside the main entrance to the Lane County Courthouse, 125 E. 8th Avenue, in the City of Eugene, County of LANE, State of Oregon, sell at public auction to the highest bidder for cash the interest in the described real property which the grantor had or had power to convey at the time of the execution by grantor of the trust deed, together with any interest which the grantor or grantor’s successors in interest acquired after the execution of the trust deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable charge by the trustee. Notice is further given that for reinstatement or payoff quotes requested pursuant to ORS 86.786 and 86.789 must be timely communicated in a written request that complies with that statute addressed to the trustee’s “Urgent Request Desk” either by personal delivery to the trustee’s physical offi ces (call for address) or by fi rst class, certifi ed mail, return receipt requested, addressed to the trustee’s post offi ce box address set forth in this notice. Due to potential confl icts with federal law, persons having no record legal or equitable interest in the subject property will only receive information concerning the lender’s estimated or actual bid. Lender bid information is also available at the trustee’s website, www.northwesttrustee. com. Notice is further given that any person named in ORS 86.778 has the right, at any time prior to fi ve days before the date last set for the sale, to have this foreclosure proceeding dismissed and the trust deed reinstated by payment to the benefi ciary of the entire amount then due (other than such portion of the principal as would not then be due had no default occurred) and by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation or trust deed, and in addition to paying said sums or tendering the performance necessary to cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and trust deed, together with trustee’s and attorney’s fees not exceeding the amounts provided by said ORS 86.778. Requests from persons named in ORS 86.778 for reinstatement quotes received less than six days prior to the date set for the trustee’s sale will be honored only at the discretion of the benefi ciary or if required by the terms of the loan documents. In construing this notice, the singular includes the plural, the word “grantor” includes any successor in interest to the grantor as well as any other person owing an obligation, the performance of which is secured by said trust deed, and the words “trustee” and “benefi ciary” include their respective successors in interest, if any. Without limiting the trustee’s disclaimer of representation or warranties, Oregon law requires the trustee to state in this notice that some residential property sold at a trustee’s sale may have been used in manufacturing methamphetamines, the chemical components of which are known to be toxic. Prospective purchasers of residential property should be aware of this potential danger before deciding to place a bid for this property at the trustee’s sale. The trustee’s rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www. northwesttrustee.com and www.USA- Foreclosure.com. For further information, please contact: Nanci Lambert Northwest Trustee Services, Inc. P.O. Box 997 Bellevue, WA 98009-0997 586-1900 Culhane, Deborah (TS# 7886.26150) 1002.288558-File No. ________________________________ ******************* ESTATE NOTICES ******************* NOTICE TO INTERESTED PERSONS Notice is hereby given that Amy Lynne Vlasak has been appointed personal representative of the Estate of JACOB L. VLASAK, deceased, by the Circuit Court of the State of Oregon for Lane County, Probate File No. 16PB06407. All persons having claims against the estate are hereby notifi ed to present the same to the said personal representative, at the offi ce of the personal representative’s attorney at 1158 High St., Suite 201, Eugene, OR 97401 within four months from the date of the fi rst publication of this notice or their claims may be barred. Date of the fi rst publication of this notice is October 19, 2016. All persons whose rights may be affected by the proceeding may obtain additional information from the records of the Court or from the personal representative, or from the personal representative’s attorney, Kirk Strohman, 1158 High St., Suite 201, Eugene, OR 97401; Phone 541-342-1929. ________________________________ In the Circuit Court of the State of Oregon for the County of Lane In the Matter of the Estate of LUCILE I. JOHNSON, aka Irene Lucile Johnson, Deceased. Probate Department Case No. 16PB06833 NOTICE TO INTERESTED PERSONS NOTICE IS HEREBY GIVEN that Wells Fargo Bank, N.A. acting by and through Jihan L. Caskey has been appointed Personal Representative of the estate of the above named decedent. All persons having claims against the estate are required to present such claims within four months after the date of fi rst publication of this notice, to Deborah R. Lush, PO Box 1048, Salem, OR 97308, or the claims may be barred. All persons whose rights may be affected by the proceeding may obtain additional information from the records of the court, the Personal Representative, or the attorneys for the Personal Representative. Dated and fi rst published October 26, 2016. NOTICE TO INTERESTED PERSONS NOTICE IS HEREBY GIVEN that GAIL GALBREATH-SHEREDY has been appointed and qualifi ed as the personal representative of the Estate of THOMAS JOSEPH SHEREDY, deceased, Lane County Circuit Court Case No. 16PB07074. All persons having claims against the estate are hereby required to present the claims duly verifi ed within four months after the date of fi rst publication of this notice, as stated below, to the personal representative at P.O. Box 247, 751 N. River Rd., Cottage Grove, OR 97424, or the claims may be barred. All persons whose rights may be affected by the proceedings in this estate may obtain information from the records of the court, the personal representative, or the attorney for the personal representative, MILTON E. GIFFORD. Dated and fi rst published October 26, 2016. Attorney for Personal Representative: Milton E. Gifford, OSB # 860391 P.O. Box 247͒751 N. River Rd. Cottage Grove, OR 97424 (541) 942- 7914 ________________________________ NOTICE IS HEREBY GIVEN that Larry Sherman and Laura L. Barker have been appointed Co-Personal Representatives of the Estate of HOYT WADE CRAWFORD, deceased, Lane County Circuit Court Case No. 16PB05482. All persons having claims against the estate are required to present them within four months from the date of the fi rst publication of this Notice to the Personal Representative at Thorp, Purdy, Jewett, Urness & Wilkinson, P.C., 1011 Harlow Road, Suite 300, Springfi eld, Oregon 97477, or they may be barred. Any person whose rights may be affected by these proceedings may obtain additional information from the records of the Court, the Co-Personal Representatives or from the Co-Personal Representatives’ attorneys. DATED and fi rst published: October 26, 2016. /s/ Larry Sherman Co-Personal Representative /s/ Laura L. Barker Co-Personal Representative ________________________________ NOTICE IS HEREBY GIVEN that Wendy J. Kizer has been appointed Personal Representative of the Estate of MARTIN C. JOHNSON, deceased, Lane County Circuit Court Case No. 16PB07121. All persons having claims against the estate are required to present them within four months from the date of the fi rst publication of this Notice to the Personal Representative at Thorp, Purdy, Jewett, Urness & Wilkinson, P.C., 1011 Harlow Road, Suite 300, Springfi eld, Oregon 97477, or they may be barred. Any person whose rights may be affected by these proceedings may obtain additional information from the records of the Court, the Personal Representative or from the Personal Representative’s NOTICE IS HEREBY GIVEN that NANCY LOU ADAMS has been appointed Personal Representative of the Estate of ALVAH B. ADAMS, deceased, Lane County Circuit Court Case No. 16PB06956. All persons having claims against the estate are required to present them within four months from the date of the fi rst publication of this Notice to the Personal Representative at Thorp, Purdy, Jewett, Urness & Wilkinson, P.C., 1011 Harlow Road, Suite 300, Springfi eld, Oregon 97477, or they may be barred. Any person whose rights may be affected by these proceedings may obtain additional information from the records of the Court, the Personal Representative or from the Personal Representative’s attorneys. DATED and fi rst published: November 2, 2016. /s/ Nancy Lou Adams Personal Representative ________________________________ NOTICE IS HEREBY GIVEN that MELINDA HANDY has been appointed Personal Representative of the Estate of ARCHIE JONES, JR., deceased, Lane County Circuit Court Case No. 16PB07116. All persons having claims against the estate are required to present them within four months from the date of the fi rst publication of this Notice to the Personal Representative at Thorp, Purdy, Jewett, Urness & Wilkinson, P.C., 1011 Harlow Road, Suite 300, Springfi eld, Oregon 97477, or they may be barred. Any person whose rights may be affected by these proceedings may obtain additional information from the records of the Court, the Personal Representative or from the Personal Representative’s attorneys. DATED and fi rst published: November 2, 2016. /s/ Melinda Handy Personal Representative ******************* TRUSTEE NOTICES ******************* TRUSTEE’S NOTICE OF SALE File No. 7886.26150 Reference is made to that certain trust deed made by Deborah A. Culhane, as grantor, to First American, as trustee, in favor of Mortgage Electronic Registration Systems, Inc. (“MERS”) as designated nominee for Loancity, a California corporation, benefi ciary of the security instrument, its successors and assigns, as benefi ciary, dated 11/10/06, recorded 11/17/06, in the mortgage records of LANE County, Oregon, as 2006-082969 and Modifi ed 4/8/2015 under Auditor’s File No. 2015-014229 and subsequently assigned to PNC Bank, National Association by Assignment recorded as 2016-026289, covering the following described real property situated in said county and state, to wit: Lot 36, Block 5, Berkeley Park Addition, as platted and recorded in Book 15, Page 28, Lane County Oregon Plat Records, in Lane County, Oregon. PROPERTY ADDRESS: 1690 McKinkley Street Eugene, OR 97402 Both the benefi ciary It’s AUTUMN … Sweep out those items that no longer serve a useful purpose in your life. FOR ONLY $10 ... you can put your GARAGE SALE AD in the classifi eds (up to 15 words) and get TWO BRIGHT GARAGE SALE signs. Call or come in by the Friday before the Wednesday you want your ad in. 541-942-3325 Cottage Grove Sentinel 116 N. 6th Street TRUSTEE’S NOTICE OF SALE File No. 7025.21412 Reference is made to that certain trust deed made by Darlene Wease and Roger R Olsen, JR, not as Tenants in Common, but with rights of survivorship, as grantor, to Northwest Trustee Services, Inc., as trustee, in favor of Mortgage Electronic Registration Systems, Inc. as designated nominee for Guild Mortgage Company, its successors and assigns, as benefi ciary, dated 07/30/15, recorded 08/04/15, in the mortgage records of Lane County, Oregon, as 2015-038928 and subsequently assigned to Guild Mortgage Company by Assignment recorded as 2016-040606, covering the following described real property situated in said county and state, to wit: Lot 7, Block 4, First Addition to Fircrest, as Platted and Recorded in Book 34, Page 1, Lane County Oregon Plat Records, in Lane County, Oregon. Except the following described parcel: Beginning at the Northeast corner of said Lot 7; run thence South 1 Degree 33 Minutes West, 2.00 feet; thence North 85 Degrees 32 Minutes 30 Seconds West 83.79 Feet; Thence North 23 Degrees 35 minutes 15 Seconds East, 2.12 feet; Thence South 85 Degrees 32 minutes 30 Seconds East, 83.00 feet to the Point of Beginning, in Eugene, Lane County, Oregon. Account No.:0678977. PROPERTY ADDRESS: 4994 Center Way Eugene, OR 97405 Both the benefi ciary and the trustee have elected to sell the real property to satisfy the obligations secured by the trust deed and a notice of default has been recorded pursuant to Oregon Revised Statutes 86.752(3); the default for which the foreclosure is made is grantor’s failure to pay when due the following sums: monthly payments of $1,491.71 beginning 01/01/16; plus late charges of $59.67 each month beginning 01/16/16; plus advances of $0.00; together with title expense, costs, trustee’s fees and attorney’s fees incurred herein PUBLIC NOTICES by reason of said default; any further sums advanced by the benefi ciary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. By reason of said default the benefi ciary has declared all sums owing on the obligation secured by the trust deed immediately due and payable, said sums being the following, to wit: $216,282.05 with interest thereon at the rate of 4.25 percent per annum beginning 12/01/15; plus late charges of $59.67 each month beginning 01/16/16 until paid; together with title expense, costs, trustee’s fees and attorneys fees incurred herein by reason of said default; any further sums advanced by the benefi ciary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. WHEREFORE, notice hereby is given that the undersigned trustee will on February 1, 2017 at the hour of 10:00 AM. in accord with the standard of time established by ORS 187.110, at the following place: inside the main entrance to the Lane County Courthouse, 125 E. 8th Avenue, in the City of Eugene, County of Lane, State of Oregon, sell at public auction to the highest bidder for cash the interest in the described real property which the grantor had or had power to convey at the time of the execution by grantor of the trust deed, together with any interest which the grantor or grantor’s successors in interest acquired after the execution of the trust deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable charge by the trustee. Notice is further given that for reinstatement or payoff quotes requested pursuant to ORS 86.786 and 86.789 must be timely communicated in a written request that complies with that statute addressed to the trustee’s “Urgent Request Desk” either by personal delivery to the trustee’s physical offi ces (call for address) or by fi rst class, certifi ed mail, return receipt requested, addressed to the trustee’s post offi ce box address set forth in this notice. Due to potential confl icts with federal law, persons having no record legal or equitable interest in the subject property will only receive information concerning the lender’s estimated or actual bid. Lender bid information is also available at the trustee’s website, www.northwesttrustee. com. Notice is further given that any person named in ORS 86.778 has the right, at any time prior to fi ve days before the date last set for the sale, to have this foreclosure proceeding dismissed and the trust deed reinstated by payment to the benefi ciary of the entire amount then due (other than such portion of the principal as would not then be due had no default occurred) and by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation or trust deed, and in addition to paying said sums or tendering the performance necessary to cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and trust deed, together with trustee’s and attorney’s fees not exceeding the amounts provided by said ORS 86.778. Requests from persons named in ORS 86.778 for reinstatement quotes received less than six days prior to the date set for the trustee’s sale will be honored only at the discretion of the benefi ciary or if required by the terms of the loan documents. In construing this notice, the singular includes the plural, the word “grantor” includes any successor in interest to the grantor as well as any other person owing an obligation, the performance of which is secured by said trust deed, and the words “trustee” and “benefi ciary” include their respective successors in interest, if any. Without limiting the trustee’s disclaimer of representation or warranties, Oregon law requires the trustee to state in this notice that some residential property sold at a trustee’s sale may have been used in manufacturing methamphetamines, the chemical components of which are known to be toxic. Prospective purchasers of residential property should be aware of this potential danger before deciding to place a bid for this property at the trustee’s sale. The trustee’s rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www. northwesttrustee.com and www.USA- Foreclosure.com. For further information, please contact: Nanci Lambert Northwest Trustee Services, Inc. P.O. Box 997 Bellevue, WA 98009-0997 586-1900 Wease, Darlene and Olsen, Roger R. JR (TS# 7025.21412) 1002.288756-File No. ________________________________ OREGON TRUSTEE’S NOTICE OF SALE T.S. No: L549317 OR Unit Code: L Loan No: 36599568/FERGASON AP #1: 1744158 Title #: 8654295 Reference is made to that certain Trust Deed made by PRISCILLA A. FERGASON as Grantor, to RURAL HOUSING SERVICE OR ITS SUCCESSOR AGENCY, UNITED STATES DEPARTMENT OF AGRICULTURE as Trustee, in favor of UNITED STATES OF AMERICA ACTING THROUGH THE RURAL HOUSING SERVICE OR SUCCESSOR AGENCY, UNITED STATES DEPARTMENT OF AGRICULTURE as Benefi ciary. Dated July 9, 2009, Recorded July 9, 2009 as Instr. No. 2009-039429 in Book --- Page --- of Offi cial Records in the offi ce of the Recorder of LANE County; OREGON REAMORTIZATION AGREEMENT EFFECTIVE 8/9/14 covering the following described real property situated in said county and state, to wit: LOT 49, MAPLE HILL SECOND ADDITION, AS PLATTED AND RECORDED APRIL 14, 2005, RECEPTION NO. 2005-026473, LANE COUNTY OREGON PLAT RECORDS, IN LANE COUNTY, OREGON. Both the benefi ciary and the trustee have elected to sell the said real property to satisfy the obligations secured by said Trust Deed and a Notice of Default has been recorded pursuant to Oregon Revised Statutes 86.735(3); the default for which the foreclosure is made is Grantor’s failure to pay when due, the following sums: 22 PYMTS FROM 10/09/14 TO 07/09/16 @ 1,711.04 $37,642.88 TOTAL LATE CHARGES $338.58 MISCELLANEOUS FEES $3,601.50 Sub-Total of Amounts in Arrears:$41,582.96 Together with any default in the payment of recurring obligations as they become due. ALSO, if you have failed to pay taxes on the property, provide insurance on the property or pay other senior liens or encumbrances as required in the note and Trust Deed, the benefi ciary may insist that you do so in order to reinstate your account in good standing. The benefi ciary may require as a condition to reinstatement that you provide reliable written evidence that you have paid all senior liens or encumbrances, property taxes, and hazard insurance premiums. These requirements for reinstatement should be confi rmed by contacting the undersigned Trustee. The street or other common designation if any, of the real property described above is
