NOTICE OF FORECLOSURE BY ADVERTISEMENT MORTGAGE SALE This is an attempt to collect a debt, and any information obtained will be used for that purpose. Attention homeowner: If you are a military service member on active duty, if you period of active duty has concluded less than 90 days ago, or if you have been ordered to active duty, please contact the attorney for the party foreclosing the mortgage at the telephone number stated in this notice. Default has occurred in the conditions of a mortgage made by RICHARD L. MEAD and KATHLEEN M. MEAD, husband and wife, Mortgagor(s), to INDEPENDENT BANK, having its principal office at 4200 East Beltline, Grand Rapids, MI 49525, Mortgagee, dated November 30, 2016 and recorded December 5, 2016 in Instrument No. 201612050106621 together with subordination agreement recorded in Instrument No. 201612130109484. By reason of such default the undersigned elects to declare the entire unpaid amount of said mortgage due and payable forthwith. Notice of Foreclosure By Advertisement. Notice is given under Section 3212 of the Revised Judicature Act of 1961, 1961 PA 236, MCL 600.3212, that the following mortgage will be foreclosed by a sale of the mortgaged premises, or some part of them, at a public auction sale to the highest bidder for cash or cashier's check at 180 Ottawa Ave. NW, Grand Rapids, MI 49503, the place of holding the Circuit Court in Kent County, starting promptly at 10:00 a.m., on November 26, 2025. The amount due on the mortgage may be greater on the day of the sale. Placing the highest bid at the sale does not automatically entitle the purchaser to free and clear ownership of the property. A potential purchaser is encouraged to contact the County Register of Deeds Office or a title insurance company, either of which may charge a fee for this information. Notice is hereby given that by virtue of the power of sale contained in said mortgage and under section 3212 of the revised judicature act of 1961, 1961 PA 236, MCL 600.3212, the statute in such case made and provided and to pay said amount with interest as provided in said mortgage, and all legal costs, charges, and expenses, including attorney fees allowed by law. At the date of this Notice there is claimed to be due for principal and interest on said mortgage the sum of TWO HUNDRED SEVENTY FIVE THOUSAND NINE and 79/100 ($275,009.79) dollars, including interest at the rate of 7.25% per annum. No suit or proceeding at law has been instituted to recover the debt secured by said mortgage or any part thereof. Pursuant to Public Act No. 104, Public Acts of 1971 [MCLA 600.3240, MSA 27A.3240] the redemption period shall be 6 months from the date of the foreclosure sale, unless the property is determined to be abandoned under MCLA 600.3241a; MSA 27A.3241(1), in which case the property may be redeemed during the 30 days immediately following the sale or expiration of statutory notice period. If the property is sold at foreclosure sale under Chapter 32 of the Revised Judicature Act of 1961, pursuant to MCl 600.3278 the borrower will be held responsible to the person who buys the property at the mortgage foreclosure sale or to the mortgage holder for damaging the property during the redemption period. The premises covered by said mortgage are situated in the Township of Gaines, County of Kent, State of Michigan, described as follows, to wit: Situated in the Township of Gaines, County of Kent and State of Michigan, and further described as Unit 11, HARMONY COVE, a Condominium according to the Master Deed recorded in Liber 6103, Page 9839, as amended, and designated as Kent County Condominium Subdivision Plan No. 581, together with rights in the general common elements and the limited common elements as shown on the Master Deed and as described in Act 59 of the Public Acts of 1978, as amended. PP# 41-22-17-202-011; Property address 7744 Harmony Cove Ct. SE, Byron Center, MI 49315. INDEPENDENT BANK Mortgagee SCHENK, BONCHER & RYPMA Curtis D. Rypma P44421 601 Three Mile Road, N.W. Grand Rapids, MI 49544-1601 (616) 647-8277 (10-15)(11-05)