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 Denise M. Ducimo (the "Mortgagor"), to Central One Federal Credit Union, a lending institution, with a usual place of business at 714 Main Street, Shrewsbury, MA 01545 (the "Mortgagee"), dated August 11, 2022, and recorded at Worcester South District Registry of Deeds in Book 68073, Page 172, (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 April 29, 2026 on the premises located at 3 Knight Street, Worcester, Massachusetts, which are all and singular the premises described in the Mortgage, TO WIT: The land and buildings thereon in Worcester, Worcester County, Massachusetts, bounded and described as follows: Beginning at a point in the northerly line of Knight Street which is 80.9 feet South 63 degrees 17' 54" East from its intersection with the easterly line of Benson Avenue; Thence North 26 degrees 42' 06" East, 125.00 feet to a point; Thence South 63 degrees 17' 54" East, 100.00 feet to a point; Thence South 26 degrees 42' 06" West, 125.00 feet to a point; Thence North 63 degrees 17' 54" West, 100.00 feet along the northerly line of Knight Street to the point of beginning. Said lot containing a calculation of 12,500 square feet. Said Lot being shown as Parcel A on a plan recorded with the Worcester District Registry of Deeds, Plan Book 696, Plan 104. Being the same premises conveyed to Denise M. Ducimo, f/k/a Denise M. Schwing by deed of Denise M. Ducimo, f/k/a Denise M. Schwing and Louis J. Schwing recorded on 04/28/2011 with the Worcester county recorder of deeds in Book/Volume 47336 Page 386 Instrument 2011 00041585. 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 Purchaser will be responsible for FinCEN reporting, unless there is an applicable exemption, and for any applicable Massachusetts Department of Revenue filing and withholding. 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: Central One 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 March 27, April 3, 10 2026 LNEO0483895