Brock and Scott, PLLC 5431 Oleander Drive Wilmington NC, 28403 SUBSTITUTE TRUSTEES' SALE OF VALUABLE FEE SIMPLE PROPERTY KNOWN AS 21435 Black Rock Rd Hagerstown, MD 21740 Under and by virtue of the power of sale contained in a certain Deed of Trust to ALLAN B. POLUNSKY, Trustee(s), dated October 3, 2016, and recorded among the Land Records of WASHINGTON COUNTY, MARYLAND in Liber 5342, folio 6 , the holder of the indebtedness secured by this Deed of Trust having appointed the undersigned Substitute Trustees, by instrument duly recorded among the aforesaid Land Records, default having occurred under the terms thereof, and at the request of the party secured thereby, the undersigned Substitute Trustee will offer for sale at public auction at THE WASHINGTON COUNTY COURTHOUSE LOCATED AT 95 W. WASHINGTON STREET, HAGERSTOWN, MD 21740 ON, APRIL 20, 2026 at 10:00 AM ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon situated in WASHINGTON COUNTY, MD and more fully described in the above-referenced Deed of Trust Tax ID# - 16-008958. The property will be sold in an "AS IS WHERE IS" condition without either express or implied warranty or representation, including but not limited to the description, fitness for a particular purpose or use, structural integrity, physical condition, construction, extent of construction, workmanship, materials, liability, zoning, subdivision, environmental condition, merchantability, compliance with building or housing codes or other laws, ordinances or regulations, or other similar matters, and subject to easements, agreements and restrictions of record which affect the same, if any. The property will be sold subject to all conditions, liens, restrictions and agreements of record affecting same including any condominium and of HOA assessments pursuant to Md Real Property Article 11-110. TERMS OF SALE: A deposit of $15,500.00 payable in certified check or by a cashier's check will be required from purchaser at time of sale, balance in immediately available funds upon final ratification of sale by the Circuit Court of WASHINGTON COUNTY, MARYLAND interest to be paid at the rate of 3.75% on unpaid purchase money from date of sale to date of settlement. The secured party herein, if a bidder, shall not be required to post a deposit. Third party purchaser (excluding the secured party) will be required to complete full settlement of the purchase of the property within TEN (10) CALENDAR DAYS of the ratification of the sale by the Circuit Court otherwise the purchaser's deposit shall be forfeited and the property will be resold at the risk and expense, of the defaulting purchaser. The purchaser waives personal service of any papers filed in connection with its failure to settle within ten days of ratification and expressly agrees to accept service by first class mail at the address provided by the purchaser as identified on the Memorandum of Sale. The defaulted purchaser shall not be entitled to any surplus proceeds resulting from said resale even if such surplus results from improvements to the property by said defaulted purchaser. Adjustment of all real property taxes, including agricultural taxes, if applicable, and any and all public/private charges or assessments, to the extent such amounts survive foreclosure sale, including water/sewer, ground rent, and front foot benefit charges, to be adjusted to the date of sale and thereafter assumed by purchaser. Purchaser is responsible for any recapture of homestead tax credit. All transfer taxes and recordation taxes hall be paid by purchaser. Condominium fees and/or homeowners association dues, if any, shall be assumed by the purchaser from the date of sale. Purchaser is responsible for obtaining physical possession of the property and assumes risk of loss or damage to the property from the date of sale. If the sale is rescinded or not ratified for any reason, including post sale lender audit, or a resale is to take place for any reason, the purchaser(s) sole remedy in law or equity shall be limited to the refund of the aforementioned deposit. The Substitute Trustees will convey either marketable or insurable title. If they cannot deliver one or the other, or if the ratification of the sale is denied by the Circuit Court for any reason, the purchaser’s sole remedy, at law or equity, is the return of their deposit, without interest. The purchaser waives all rights and claims against the Substitute Trustees whether known or unknown. These provisions shall survive settlement Upon refund of the deposit, this sale shall be void and of no effect, and the purchaser shall have no further claim against the Substitute Trustees. The sale is subject to post-sale review of the status of the loan and that if any agreement to cancel the sale was entered into by the lender and borrower prior to the sale then the sale is void and the purchaser's deposit shall be refunded without interest. Additional terms and conditions, if applicable, may be announced at the time and date of sale. If this transaction is subject to the FinCEN Residential Real Estate Reporting Rule ("RRE") issued pursuant to the Bank Secrecy Act, information necessary to comply with the RRE Rule must be obtained provided to the Reporting Person, as defined in RRE Rule, prior to closing. File No. (25-10275 ) BRENNAN FERGUSON, JOHN C. HANRAHAN, JEREMY B. WILKINS, AMANDA DRISCOLE, ROBERT OLIVERI, PAUL HEINMULLER, Substitute Trustees Harvey West Auctioneers 300 E. Joppa Rd Hampton Plaza-Suite 1103 Baltimore, MD 21286 www.hwestauctions.com 410-769-9797 04/03, 04/10, 04/17/26 #12180475