MORTGAGEE'S NOTICE OF SALE OF REAL ESTATE By virtue and in execution of the Power of Sale contained in a certain Mortgage, given by Marie Elaine Hagie (the "Mortgagor"), to Gardner Franco-American Federal Credit union N/K/A GFA Federal Credit Union, a lending institution, with a usual place of business at 229 Parker Street, Gardner, MA 01440 (the "Mortgagee"), dated September 9, 2005, and recorded at Worcester District Registry of Deeds in Book 37304, Page 362, (the "Mortgage"), of which Mortgage the undersigned is the present holder, for breach of the conditions of the Mortgage and for purposes of foreclosing the same will be sold at Public Auction at 10 o'clock AM on October 24, 2025 on the premises located at 215 Monomonac Road West, Winchendon, Massachusetts, which are all and singular the premises described in the Mortgage, TO WIT: Two (2) certain parcels of land situated in Winchendon and shown as Lots 837 And 838 on a plan entitled "Plan of Subdivision in Winchendon, Mass., owned and Developed by Monomonoc Lake Shores, Inc., dated February 25, 1958, prepared by Alden S. Marble & Associates, Reg. Engrs. & Surveyors, 24 Columbia Street, Leominster, Mass.", and recorded with the Worcester District Registry of Deeds in Plan Book 230, Page 99. This conveyance is made together with and subject to rights of way, easements, Reservations, restrictions, and conditions set forth in said Deeds, recorded Book 4300, Page 445. Real estate taxes for the current year will be apportioned as of the delivery Date of this deed. Meaning and intending to convey and hereby conveying the same premises conveyed To us by deed of James P. Stevens and Sharon E. Stevens, Husband and Wife, Tenants by Entirety, both of Leominster, Worcester County, Mass. Dated July 8, 1981, recorded with Said Deeds, Book 7272, Page 267. Being shown on a plan entitled "Plan of Land prepared for Marie Elaine Hagie, in Winchendon, Ma., Scale: 1 inch= 30 feet, July 1, 1981, Michael S. Szoc, R. L. S., 32 Pleasant St. Gardner, Ma." To be recorded herewith Plan Book 488, Plan 31. The description of the premises contained in said Mortgage shall control in the event of a typographical error in this publication. The premises being offered for sale will be sold subject to any and all restrictions, easements, covenants, conditions, agreements, outstanding tax titles, unpaid real estate taxes, and other municipal and public charges, assessments, liens or claims in the nature of liens, rights of others in adjacent streets and ways, and existing encumbrances of record created prior to the mortgage, if any there be, and also subject to all federal, state and municipal laws, regulations, codes and ordinances. TERMS OF THE SALE: A deposit of Five Thousand Dollars ($5,000.00) by bank or certified check, will be required to be paid by the highest bidder at the time and place of the sale and said bidder will be required to sign a Memorandum of Sale containing the above and any announced terms. The sale will not be complete until such deposit is paid and such Memorandum is signed. In the event the successful bidder at the public auction fails to perform in the time specified to purchase the premises, the Mortgagee reserves the right, at its sole election, to sell the premises by foreclosure deed to the other qualified bidders, in descending order beginning with the next highest bidder and reserves the right, at its sole election, to assume the bid of any defaulting or declining bidder. The Purchaser will be required to deliver the balance of the bid price by bank or certified check within thirty (30) days of the date of the auction sale, at the law firm of Gelinas & Ward, LLP, 106 Merriam Avenue, Leominster, MA 01453 at which time the foreclosure deed and all related documents will be delivered to the Purchaser. The Purchaser will be solely responsible for filing and recording foreclosure documents and for the payment of deed excise stamps and filing and recording fees. The Mortgagee may postpone the sale by public proclamation at the original or postponed time and date of sale. OTHER TERMS, IF ANY, TO BE ANNOUNCED AT THE TIME AND PLACE OF THE SALE. Signed: GFA Federal Credit Union, Present holder of said mortgage By its Attorney, Samantha J. Court, Esq. Gelinas & Ward, LLP, 106 Merriam Avenue Leominster, MA 01453 (978) 537-2200 Publication Dates LNEO0366021