APN: 027-430-028 File # LTTSG2600230 T.S. No.: 26-14422-195 Notice of Unified Trustee's Sale Deed of Trust, Security Agreement, Assignment of Rents and Fixture Filing (hereinafter referred to as 'Deed of Trust') Note: There is a summary of the information in this document attached* *[Pursuant to civil code § 2923.3(a), the summary of information referred to above is not attached to the recorded copy of this document, but only to the copies provided to trustor.] You are in default under a deed of trust dated 10/1/2014. 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): Joseph Merle Harris, Jr., Trustee for the Joseph Merle Harris Jr. Revocable Living Trust dated December 3, 2005 and Virginia Escher Harris Gable, Trustee for the Virginia Escher Harris Gable Revocable Living Trust dated January 1, 2006 Duly Appointed Trustee: WT Capital Lender Services, a California corporation Recorded on 10/8/2014, as Instrument No. 2014-0020916, as modified by that certain Notice of Advance Under Deed of Trust dated 3/18/2015 and recorded on 3/25/2015, as Instrument No. 2015-0007370, as further modified by that certain Notice of Advance Under Deed of Trust dated 6/1/2016 and recorded on 6/8/2016, as Instrument No. 2016-0013864, as further modified by that certain Notice of Advance Under Deed of Trust dated 5/22/2018 and recorded on 5/25/2018, as Instrument No. 2018-0010432 of Official Records in the Office of the Recorder of Napa County, California Date of Sale: 6/5/2026, at 1:30 pm Place of Sale: At the fountain to the right of the Napa County Superior Court, 1111 Third Street, Napa, Ca 94559 Amount of unpaid balance and other charges: $3,840,621.82 Estimated Accrued interest and additional advances, if any, will increase this figure prior to sale. Street Address or other common designation of real property: 1780 Whitehall Lane, Saint Helena Area, Ca Legal Description the land referred to herein below is situated in the unincorporated area of County of Napa, State of California and is described as follows: Parcel One: Being a portion of sections 7 and 18 in township 7 north, range 5 west, Mount Diablo base and meridian, described as follows: Beginning at the intersection of the center of a private road leading southwesterly and westerly from the westerly terminus of the County road commonly known as Whitehall Lane with the southerly extension of the west line of parcel one as said parcel is shown on map no. 3215 entitled, "record of survey of the lands of Joann Davies", filed November 6, 1979 in book 21 of surveys at page 31 in the office of the County Recorder of Napa County, said intersection being distant, south 2° 44' 47" west 20.54 feet along said extension from a 2" iron pipe and cap stamped “N" marking the southwest corner of said parcel one, said intersection also being designated point "A", and being a point on a curve concave southerly, having a radius of 350.00 feet from which a line radial to said curve bears south 2° 22' 32" west; thence from said point and along the center of said private road and said curve, westerly 82.98 feet; thence south 78° 47' 30" west 18.25 feet along said road to a point thereon, designated point "B", said point also being the beginning of a tangent curve concave northerly and having a radius of 290.00 feet; thence westerly along said road and said curve 150.54 feet; thence north 71° 28' 00" west 179.09 feet to the beginning of a tangent curve concave southerly and having a radius of 270.00 feet; thence westerly along said curve 3.84 feet to a point thereon, designated point "C"; thence leaving said road, north 14° 08' 00" east 20.04 feet to a 3/4" iron pipe; thence north 3° 45' 57" west 492.96 feet to a 3/4" iron pipe; thence north 29° 22' 57" east (shown previously as north 29° east) 319.18 feet to a 3/4" iron pipe bearing ls tag no. 3801; thence north 29° 33' 47" east 831.82 feet to a 3/4" iron pipe with a broken tag; thence north 1° 38' 40" east 102.74 feet; thence north 88° 14' 54" east 337.86 feet to the center of a small seasonal creek; thence along said creek the following seven courses, (1) south 64° 57' 42" east 59.23 feet, (2) south 38° 15' 02" east 19.93 feet, (3) north 82° 41'15" east 26.28 feet, (4) south 38° 58' 05" east 111.93 feet, (5) south 26° 59' 36" east 79.11feet, (6) south 41° 55' 39" east 96.70 feet, (7) south 56° 28' 37" east 74.53 feet; thence leaving said creek north 88° 14' 54" east 93.32 feet to the intersection thereof with the north-south center section line of said section 7 as said line is shown on said map no. 3215; thence along said line south 0° 22' 30" west 17.79 feet to a 3/4" iron pipe bearing rce tag no. 12408 as shown on said map no. 3215; thence continuing along said center section line south 00° 22' 30" west 431.29 feet to the north line of the 30 acre tract of land described in the deed to John Daniel Jr., dated December 4, 1936 and filed in book 115 at page 18 of official records of Napa County; thence along the northerly and westerly lines of said 30 acre tract, north 89° 59' 25" west 399.35 feet to a 2" iron pipe and cap, stamped "N", at a large fixed rock in a stone fence shown on said map, south 48° 17' 27" west 241.97 feet to the intersection of a ravine and a stone fence marked by a 3/4" iron pipe and shown on said map, south 53° 14' 34" west 332.69 feet along said stone fence to a 2" iron pipe and cap, stamped "N", shown on said map, and south 2° 44' 47" west 549.14 feet to a 2" iron pipe and cap, stamped "N", shown on said map and marking the southwest corner of said parcel one; thence south 2° 44' 47" west 20.54 feet to the point of beginning. Parcel Two: A non-exclusive easement for ingress, egress, roadway, utility and all purposes incidental thereto described as follows: A) A strip of land, 40 feet in width, the centerline of which is said private road along the south line of said parcel 3, extending westerly from point "a", along said road through point "B" to said point "C" as said points are designated in said deed to Escher. B) A strip of land, 40 feet in width, the centerline of which is said private road extending easterly from said point "a" along the northerly line of parcel 4 described in the deed to Caspar Escher, et ux, recorded October 24, 1984 in book 1361 at page 480 of official records of Napa County, to point "E" and then continuing along the center of said road as said road is described in deed to Robert W. Simpson, et ux, recorded October 24, 1980 in book 1180 at page 977 of official records of Napa County to the east line of the parcel described in the deed to Casper H. Escher, et ux, recorded January 15, 1971 in book 852 at page 678 of official records of Napa County. Parcel Three: A right of way, 30 feet in width, for road purposes as reserved in the deed to A. W. Norton, recorded August 6, 1872 in book P of deeds at page 435, said Napa County records. A.P.N.: 027-430-028 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 10/1/2014, and in a UCC-1 Financing Statement filed with the Secretary of State, State of California, on 10/10/2014, as Filing No. 14- 7431990189, and filed with the Official Records of the Kentucky Secretary of State, State of Kentucky, on 10/10/2014 as Filing No. 2014-2730604-09.01, 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: (1) All buildings, structures, equipment, fixtures (including, but not limited to, trees, vines and shrubs), machinery and improvements of every kind and description now constructed or placed thereon; all standing timber and timber to be cut located thereon; all pumping plants, electrical generators, wind machines, and fencing and storage tanks, now used in connection with the Property, all of which are hereby declared to be fixtures; (2) All grazing rights, leases, permits and licenses; all oil, gas, and mineral leases to the extent owned by Trustor, permits and rights used with the Property; all oil, gas, and mineral interests to the extent owned by Trustor including royalty interests, rents, profits, bonus money, revenue, income, rights and benefits related to or arising out of the Property or the leasing thereof; and all tenements, hereditaments, easements, rights-of-way, and appurtenances to the Property; (3) All carbon credits, carbon sequestration units, carbon financial instrument contracts, renewal energy credits and the like arising out of methane capture, carbon sequestration and renewal energy systems, including without limitation credits tradable under any greenhouse gases commodity exchange such as, by way of example and not limitation, trading units commonly referred to as Exchange Soil Offsets (XSOs), Exchange Methane Offsets (XMOs) and Exchange Forest Offsets (XFOs) under the Chicago Climate Exchange (CCX) (collectively, "Carbon Credits"); (4) The right, in the name of and on behalf of Trustor, to appear in and defend any action or proceeding brought with respect to the Property and to commence any action or proceeding to protect the interest of Beneficiary in the Property; (5) All proceeds, products, substitutions and accessions (including claims and demands therefor) of each of the elements of the Property; (6) All Water Assets (defined below); (collectively, the "Property"). Water Assets: All right, title, and interest at any time of Trustor (or any of its bailers, agents, or instrumentalities), now existing, arising or acquired, whether direct or indirect, whether owned legally, of record, equitably or beneficially, whether constituting real or personal property (or subject to any other characterizations), whether created or authorized under existing laws or regulations, and however arising in, including without limitation, the following: a) All water (including any water inventory in storage), water rights and entitlements, other rights to water and other rights to receive water or water rights of every kind or nature whatsoever including (i) the groundwater on, under, pumped from or otherwise available to the Property, whether as the result of groundwater rights, contractual rights or otherwise, (ii) Trustor's right to remove and extract any such groundwater including any permits, rights or licenses granted by any governmental authority or agency or any rights granted or created by any use, easement, covenant, agreement, or contract with any person or entity, (iii) any rights to which the Property is entitled with respect to surface water, whether such right is appropriative, riparian, prescriptive, decreed or otherwise and whether or not pursuant to permit or other governmental authorization, or the right to store any such water, and (iv) any water, water right, water allocation, distribution right, delivery right, water storage right, or other water-related entitlement appurtenant or otherwise applicable to the Property by virtue of the Property being situated within the boundaries of any district, agency, or other governmental entity or within the boundaries of any private water company, mutual water company, or other non-governmental entity; b) All stock, interest or rights (including any water allocations, voting or decision rights) in any entity, together with any and all rights from any entity or other person to acquire, receive, exchange, sell, lease, or otherwise transfer any Water Assets, to store, deposit or otherwise create water credits in a water bank or similar or other arrangement for allocating water, to transport or deliver water, or otherwise to deal with any Water Asset; c) All licenses, permits, approvals, contracts, decrees, rights and interests to acquire or appropriate any Water Assets, water bank or other credits evidencing any right to Water Assets, to store, carry, transport or deliver Water Assets, to sell, lease, exchange, or otherwise transfer any Water Asset, or to change the point for diversion of water, the location of any Water Asset, the place of use of any Water Asset, or the purpose of the use of any Water Asset; d) All rights, claims, causes of action, judgments, awards, and other judicial, arbiter or administrative relief in any way relating to any Water Asset; e) All storage and treatment rights for any Water Asset, whether on or off the Property or other property of Trustor, together with all storage tanks, and other equipment used or usable in connection with such storage and any water bank deposit credits, deposit accounts or other rights arising on account of the storage or nonuse of any Water Asset; f) All rights to transport, carry, allocate or otherwise deliver Water Assets by any means wherever located; g) All irrigation and watering equipment and all systems, ditches, laterals, conduits, and rights-of-way used to convey such water or to drain the Property; h) All guaranties, warranties, marketing, management or service contracts, indemnity agreements, and water right agreements, other water related contracts and water reallocation rights, all insurance policies regarding or relating to any Water Asset; and i) All rents, issues, profits, proceeds and other accounts, instruments, chattel paper, contract rights, general intangibles, deposit accounts, and other rights to payment arising from or on account of any use, nonuse, sale, lease, transfer or other disposition of any Water Asset. References to "water" and "water rights" are used herein in the broadest and most comprehensive sense of the term(s). The term "water" includes water rights and rights to water or whatever rights to money, proceeds, property or other benefits are exchanged or received for or on account of any Water Assets or any conservation or other nonuse of water, including whatever rights are achieved by depositing one's share of any Water Assets in any water bank or with any water authority, or any other water reallocation rights. 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 26-14422-195. 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 26-14422-195 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 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: May 6, 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# 44198 05/14/26, 05/21/26, 05/28/26)5/14, 5/21, 5/28 COL-CA-200069
