HEISE JORGENSEN & STEFANELLI P.A. 18310 Montgomery Village Avenue, Suite 400 Gaithersburg, MD 20879 (301) 977-8400   SUBSTITUTE TRUSTEES' SALE OF VALUABLE REAL ESTATE Known as 30760 HAMPDEN AVENUE, PRINCESS ANNE, MARYLAND 21853   By virtue of the power and authority contained in a certain Deed of Trust from Marie Bivens, to Roy A. Kiewe and C. Dale Janney, Trustees, dated July 25, 1990 and recorded in Book 390 at Page 1060 among the Land Records for Somerset County, Maryland, the undersigned substituted trustees (by virtue of Deed of Appointment between The Department of Housing and Community Development for the State of Maryland (the "Beneficiary") and said trustees recorded among the Land Records of Somerset County) will, on   THURSDAY, JANUARY 29, 2026 at 12:30 P.M.   offer for sale at public auction on the front steps of the Somerset County Courthouse, 30512 Prince William Street, Princess Anne, Maryland 21853, all of the property and improvements thereon conveyed by said deed of trust, described as 30760 Hampden Avenue (formerly known as 422 Hampden Avenue), Princess Anne, Maryland 21853, Tax Identification No. 15-001348 (the "Property") and more fully described in the Deed of Trust.   TERMS OF SALE: The Property, which is improved by a dwelling, will be offered for sale, subject to matters known and unknown, in an "AS IS, WHERE IS" condition with no warranty of any kind and will be sold and conveyed by the Substitute Trustees subject to all encumbrances, rights, reservations, covenants, conditions, easements, restrictions, and statutory liens, if any, having priority over the Deed of Trust, as they may lawfully affect the Property. The risk of loss or damage to the Property shall be borne by the successful bidder from and after the date and time of the sale. Obtaining possession of the Property shall be the sole responsibility of the successful bidder. A deposit of Ten Thousand and no/100 Dollars ($10,000.00), in the form of certified check or cashier's check, (the "Deposit") will be required at the time of sale. The Beneficiary is not required to make a Deposit. The balance of the purchase price for the Property, together with interest at 4.00% per annum from the date of sale to the date of settlement, shall be paid in cash within fifteen (15) days after final ratification of the sale of the Property by the Circuit Court, TIME BEING OF THE ESSENCE WITH REGARD TO ALL OF PURCHASER'S OBLIGATIONS. Taxes, water, sewer, ground rent, condominium fees, and/or homeowners association dues, if applicable, will be adjusted to the date of sale and assumed thereafter by the purchaser. All other public charges and assessments payable on an annual basis, including sanitary and/or metropolitan district charges will be adjusted for the current year to date of sale and assumed thereafter by the purchaser. All costs of conveyance, including transfer taxes and recordation taxes will be paid by the purchaser. If any successful bidder fails for any reason to complete settlement as provided above, the Deposit shall be forfeited and applied to the costs of the sale, including Substitute Trustees' fees, and the balance, if any, shall be delivered to the Beneficiary to be applied by the Beneficiary against the indebtedness secured by, and other amounts due under, the Deed of Trust in accordance with the Deed of Trust or applicable law or otherwise as the Beneficiary shall elect. Forfeiture of the Deposit shall not limit any rights or remedies of the Substitute Trustees or the Beneficiary with respect to any such default. If the Property is resold after any such default, such re-sale shall be at the risk and the cost of the failing bidder, and the failing bidder shall be liable for any deficiency between its bid and the successful bid at the resale as well as the costs of conducting such re-sale. The purchaser agrees to accept service by first class mail and certified mail addressed to the address provided by said purchaser as identified on the Memorandum of Sale for any Motion or Show Cause Order incident to this sale including a motion to Default Purchaser and for Resale of the Property. In the event the Substitute Trustees do not execute a deed of conveyance or other necessary settlement documents, the purchaser's sole remedy shall be the refund of the Deposit. In the event the Substitute Trustees are unable to convey marketable title or in the event the borrower entered into a repayment plan, reinstated or paid the loan off prior to the sale, or if for any other reason, the undersigned did not have the right to sell, the sale is null and void and the purchaser is not entitled to any legal or equitable remedy other than return of the Deposit without interest and any and all other claims of the purchaser are hereby released. The Substitute Trustees reserve the right (i) to waive or modify the deposit requirement; (ii) to approve the creditworthiness of any bidder or final purchaser; (iii) to withdraw all or part of the Property from sale at any time prior to the termination of bidding; (iv) to keep the bidding open for any length of time; (v) to reject any or all bids; and (vi) to postpone the sale, all as the Substitute Trustees may determine in their discretion. Additional terms and conditions to be announced at the time of sale. All inquiries regarding the sale should be directed to Stephen B. Jackson, Substituted Trustee.   STEPHEN B. JACKSON and STEVEN P. HENNE Substitute Trustees JANAURY 9, 16 and 23, 2026