NOTICE OF SERVICE OF PROCESS BY PUBLICATION STATE OF NORTH CAROLINA, COUNTY OF MECKLENBURG IN THE GENERAL COURT OF JUSTICE, SUPERIOR COURT DIVISION 25CV025816-590 FOUNDERS FEDERAL CREDIT UNION, Plaintiff, vs. MANUEL ALFONSO CEVALLOS PALACIOS A/K/A MANUEL CEVALLOS PALACIOS, Defendant. TO: MANUEL ALFONSO CEVALLOS PALACIOS A/K/A MANUEL CEVALLOS PALACIOS TAKE NOTICE that a pleading seeking relief against you has been filed in the above-entitled action. The nature of the relief being sought is as follows: On or about February 5, 2018, Manuel Alfonso Cevallos Palacios a/k/a Manuel Cevallos Palacios ("Defendant") executed a Membership Application and Account Card (the "Application") and agreed to be bound by the Membership Agreement (the "Credit Union Booklet") with Founders Federal Credit Union ("Plaintiff"). Thereafter, on or about June 24, 2020, and subject to the Credit Union Booklet, Plaintiff extended a line of credit (the "LOC") to Defendant as shown on the Visa No Frills Application and MasterCard terms and conditions (the "LOC Note"). Defendant failed to make payments when due on the Credit Union Booklet, the LOC, and the LOC Note. After providing all credits due to Defendant on the Credit Union Booklet, the LOC, and the LOC Note, Defendant owes Plaintiff the sum of no less than $15,002.88, plus interest accruing thereon from and after the date of judgment at the lower of the maximum legal rate or the rate of the LOC Note until paid and attorney's fees, pursuant to the Credit Union Booklet, the LOC, the LOC Note, and N.C. Gen. Stat. § 6-21.2 in the amount of $2,250.43, which is 15% of the amount due under the Credit Union Booklet, the LOC, and the LOC Note. Thereafter, on or about October 26, 2023, and subject to the Credit Union Booklet, Plaintiff advanced funds to Defendant as shown on the Consumer Lending Plan Advance Receipt and Truth-in-Lending Statement (the "Note"). Defendant failed to make payments when due on the Credit Union Booklet and the Note. After providing all credits due to Defendant on the Credit Union Booklet and the Note, Defendant owes Plaintiff the sum of no less than $14,274.80 plus interest accruing thereon at the rate of $4.82 per day from and after April 8, 2025 until the date of judgment, and thereafter at the lower of the maximum legal rate or the rate of the Note until paid and attorney's fees, pursuant to the Credit Union Booklet, the Note, and N.C. Gen. Stat. § 6-21.2 in the amount of $2,141.22, which is 15% of the amount due under the Credit Union Booklet and the Note. You are required to make defense to such pleading no later than December 5, 2025, said date being 40 days from the date of first publication of this notice, and upon your failure to do so the party seeking service against you will apply to the court for the relief sought. This the 26th day of October, 2025. Brian T. Pearce NC State Bar No. 31722 Attorney for Plaintiff Maynard Nexsen PC 800 Green Valley Road, Suite 500 Greensboro, NC 27408 336-387-5137 IPL0284879 Oct 26,Nov 2,9 2025