NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST AND NOTICE OF TRUSTEE'S SALE This Notice of Default and Election to Sell is given by Hillary R. McCormack, as Successor Trustee under that certain Deed of Trust executed by Kristen L. Coletti-Giesler and Steven C. Giesler, as Trustors, First American Title Insurance Company is the original Trustee, and Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Alaska USA Mortgage Company, LLC, its successors and assigns, as Beneficiary, dated March 1, 2017 and filed for record on March 3, 2017, as Instrument No. 2017-001327-0 in the records of the Kenai Recording District, Alaska, covering the following described real Property: Lot 7, Block 3, Redoubt Terrace Subdivision, Addition No. 8, according to the official plat thereof, filed under Plat Number 94-49, Records of the Kenai Recording District, Third Judicial District, State of Alaska. Excepting therefrom the subsurface estate and all rights, privileges, immunities and appurtenances of whatsoever nature accruing unto said estate pursuant to the Alaska Native Claims Settlement Act of 12-18-71 (85 Stat 688, 704, 43 U.S.C. 1601, 1613(f) (1976) as reserved by the United State of America. Commonly referred to as: 109 Haida Drive, Kenai, AK 99611 APN: 04715024 The beneficial interest in the Deed of Trust has been assigned to Global Federal Credit Union F/K/A Alaska USA Federal Credit Union and the record owners of the property are purported to be Kristen L. Coletti-Giesler and Steven C. Giesler. A breach of the obligation which said Deed of Trust secures has occurred in that Installment of Principal and Interest plus impounds and/or advances which became due on January 1, 2024 plus late charges, and all subsequent installments of principal, interest, balloon payments, plus impounds and/or advances and late charges that become payable. By reason thereof, and under the terms of the Note and Deed of Trust, the Beneficiary has declared all sums so secured to be immediately due and payable, together with any trustee fees, attorney fees, costs and advances made to protect the security associated with this foreclosure. The sum owing on the obligation good through October 23, 2025 is $230,555.91, detailed as follows: Principal $205,975.22 Total Interest Amt $10,068.91 Pro Rata MIP/PMI $123.41 Escrow Advance Amt $12,111.77 Total Fees Amt $80.00 Total Accumulated Late Charge Amt $156.60 Rec Corp Adv Balance $2,040.00 Grand Total $230,555.91 If the default has arisen by failure to make payments required by the trust deed, the default may be cured and the sale may be terminated if: 1. Payment of the sum in default, other than the principal that would not be due if default had not occurred, and attorney and other foreclosure fees and costs actually incurred by the Beneficiary and Trustee due to the default is made at any time before the sale date stated in this notice or to which the sale is postponed; and 2. the Notice of Default has been recorded two or more times previously under the same trust deed and the default has been cured, the Trustee does not elect to refuse payment and continue the sale. NOTICE IS HEREBY GIVEN that pursuant to demand of the Beneficiary, the Trustee hereby elects to sell the above described real property to satisfy the obligation, together with all accrued interest and all costs and expenses, at public auction, for cash, to the highest and best bidder, inside the Lobby of the Boney Courthouse located at 303 "K" Street, Anchorage, AK 99501, on January 29, 2026, at 10:00 AM. Notice of said Trustee's Sale is Hereby Given. The Beneficiary will have the right to make an offset bid at sale without cash. All other bidders must have certified funds for their total bid amount. Title to the Property will be conveyed by Trustee's Deed without warranties of title. Anyone having an objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the same. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Successor Trustee and the successful bidder shall have no further recourse. Dated: 10/23/2025 Hillary R. McCormack Substitute Trustee 376 East 400 South, Ste. 300 Salt Lake City, UT 84111 Telephone: 801-355-2886 Office Hours: Mon.-Fri., 8AM-5PM (MST) File No. AK21440 Pub: 11/09, 16, 23, 30/2025