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Law Offices of Jeffrey Nadel 4041 Powder Mill Road, Suite 200 Calverton, Maryland 20705 240-473-5000 SUBSTITUTE TRUSTEES ' SALE OF REAL PROPERTY 16207 Hidden Ponds Way Gaithersburg, MD 20878 Under a power of sale contained in a certain Deed of Trust from Sandy Y. Chang and Jay C. Wong, dated March 6, 2006, and recorded in Liber 31948, Folio 050 among the Land Records of Montgomery County, MD, default having occurred under the terms thereof, the Substitute Trustee will sell at public auction at Circuit Court for Montgomery County, Judicial Center, Maryland Avenue Entrance, 50 Maryland Avenue, Rockville, MD on July 22, 2026 at 11:15 AM ALL THAT FEE SIMPLE LOT OF GROUND KNOWN AS Lot 56 in Block A, Willow Ridge, situated in Montgomery County, MD and more fully described in the aforesaid Deed of Trust, carrying Tax ID No. 0603406301. The property will be sold in an “as is” condition and subject to conditions, restrictions, agreements, easements, covenants and rights of way of record affecting the same, if any, and with no warranty of any kind. Terms of Sale: A deposit of $140,000.00 will be required at the time of sale in the form of cash (under $10,000.00), certified check, or other form as the Substitute Trustees determine acceptable. No deposit shall be required of the noteholder where the noteholder bids in the property at auction. Balance of the purchase price to be paid in cash within ten days of final ratification of sale by the Circuit Court for Montgomery County, time being of the essence for purchaser. In the event that settlement does not occur within the said ten days, the purchaser shall be in default. Upon such default the Trustees may file a Motion and Order to Resell the property at the risk and expense of the defaulting purchaser, and purchaser(s) hereby consent to entry of such resale order without further notice, in which case the deposit shall be forfeited and all expenses of this sale (including attorney’s fees and the full commission on the gross sale price of this sale) shall be charged against and paid out of the forfeited deposit. The Trustees may then readvertise and resell the property at the risk and cost of the defaulting purchaser; or, without reselling the property, the Trustees may avail themselves of any legal or equitable remedies against the defaulting purchaser. In the event of a resale, the defaulting purchaser shall not be entitled to receive the surplus, if any, even if such surplus results from improvements to the property by said defaulting purchaser. Interest to be paid on the purchase money less the stated deposit called for herein, at the rate pursuant to the Deed of Trust Note from the date of auction to the date funds are received in the office of the Substitute Trustee. There shall be no abatement of interest due from the purchaser in the event additional funds are tendered before settlement or if settlement is delayed for any reason, including but not limited to exceptions to sale, bankruptcy filings by interested parties, Court administration of the foreclosure or unknown title defects. All taxes, ground rent, water rent, condominium fees and/or homeowner association dues, all public charges/assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if applicable, are to be adjusted to the date of auction and thereafter are to be assumed by the purchaser. Cost of all documentary stamps, transfer taxes, agricultural transfer tax, if any and settlement expenses shall be borne by the purchaser. Purchaser shall be responsible for obtaining physical possession of the property. Purchaser assumes the risk of damage to the property from the date of auction forward. If the Substitute Trustee does not convey title for any reason, including but not limited to the Secured Party executing a forbearance agreement with the borrower(s) described in the above-mentioned Deed of Trust, or allowing the borrower(s) to execute their right to reinstate or payoff the subject loan, prior to the sale, with or without the Substitute Trustee’s prior knowledge, or if the sale is not ratified for any reason including errors made by the Substitute Trustees, the foreclosure sale shall be null and void and of no effect, and the Purchaser’s sole remedy in law or in equity shall be the return of the deposit without interest. Further terms and particulars may be announced at time of sale, and purchaser may be required to execute a Memorandum of Sale at the time of auction. (Matter #22446) Jeffrey Nadel and Scott Nadel, Substitute Trustees Tidewater Auctions, LLC P.O. Box 9, Phoenix, MD 21131 410-825-2900 Washington Times, 7/7, 7/14, 7/21 AD#103535

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on April 25, 2011, a certain Deed of Trust was executed by John S. Burkey as Grantor(s) in favor of Village Capital & Investment, LLC as Beneficiary, and John David Epperley as Trustee(s), and was recorded on May 12, 2011, in Book 41584, Page 44 in the Office of the Land Records for Montgomery County, Maryland; and WHEREAS, the Deed of Trust was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the Deed of Trust is now owned by the Secretary, pursuant to an assignment dated October 18, 2018, and recorded on October 18, 2018, in Book 56766, Page 153, in the Office of the Land Records for Montgomery County, Maryland; and WHEREAS, a default has been made in the covenants and conditions of the Deed of Trust in that the payment due on July 15, 2024, was not made and remains wholly unpaid as of the date of this notice, and a Borrower has died and the Property is not the principal residence of at least one surviving Borrower, and no payment has been made sufficient to restore to the loan to currency; and WHEREAS, the entire amount delinquent as of June 3, 2026 is $624,526.58; and WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deed of Trust to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary’s designation of me as Foreclosure Commissioner, notice is hereby given that on July 22, 2026 at 11:15 am local time, all real and personal property at or used in connection with the following described premises (“Property”) will be sold at public auction to the highest bidder: See attached Exhibit A Commonly known as: 3203 Edgewood Road, Kensington, MD 20895 Tax ID: 13-01209854 The sale will be held at the courthouse entrance for the Circuit Court for Montgomery County, Maryland. The Secretary of Housing and Urban Development will bid $629,526.58. There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the date of the foreclosure sale. When making their bids, all bidders except the Secretary must submit a deposit totaling $63,000.00 in the form of a certified check or cashier’s check made out to the Secretary of HUD. A deposit need not accompany each oral bid. If the successful bid is oral, a deposit of $63,000.00 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered in the form of a certified or cashier’s check. If the Secretary is the highest bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveying fees, all real estate and other taxes that are due on or after the delivery date of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier’s check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD representative, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser(s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the mortgagor to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier’s check payable to the Secretary of HUD, before public auction of the property is completed. The amount that must be paid if the mortgage is to be reinstated prior to the scheduled sale is N/A (Full Balance Due), plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner’s attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of- pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commissioner, and all other costs incurred in connection with the foreclosure prior to reinstatement. Tender of payment by certified or cashier’s check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. Date: June 5, 2026 Cohn, Goldberg & Deutsch, LLC Foreclosure Commissioner By:_/s/ Richard E. Solomon__________ Richard E. Solomon AIS#9112190178 Cohn, Goldberg & Deutsch, LLC 1099 Winterson Road, Suite 301 Linthicum Heights, MD 21090 (410) 296-2550 ForeclosureAttorney@cgd-law.com IF YOU ARE A DEBTOR, OR AN ATTORNEY REPRESENTING A DEBTOR, THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED HEREBY WILL BE USED FOR THAT PURPOSE. However, if you are either a debtor in a pending bankruptcy case, or have obtained an order of discharge from a United States Bankruptcy Court, which discharge includes this debt, or an attorney representing such a debtor, and you (or your client), has not reaffirmed liability for this debt, this office is not attempting to obtain a judgment against you (or your client) nor are we alleging that you (or your client) have any personal liability for this debt. We may, however, take action against any property which may have been pledged as collateral for the debt, which action may include repossession and/or foreclosure of the property, if otherwise permitted by law and/or order of court. Exhibit A All that lot of ground situate in the County of Montgomery, State of Maryland and described as follows, that is to say: Being known and designated as Lot numbered 16, in Block lettered “P” in the subdivision known as “Homewood” as per Plat thereof duly recorded among the Land Records of Montgomery County, Maryland, in Plat Book 33, at Plat 2118. The improvements thereon now known as 3203 Edgewood Road, Kensington, MD 20895. Tax Parcel #13-01209854 BEING the same premises which John S. Burkey and Mary Ann Henry Burkey, by Deed dated November 15, 2004, and recorded January 12, 2005, in the Montgomery County Recorder of Deeds Office, in Deed Book 29020, page 83, granted and conveyed unto John S. Burkey, in fee simple. Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Washington Times, 7/7, 7/14, 7/21 CGD File No. 462389 AD#103633

COHN, GOLDBERG & DEUTSCH, LLC 1099 WINTERSON ROAD, SUITE 301 LINTHICUM HEIGHTS, MARYLAND 21090 www.cgd-law.com SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 2224 VICTORIA PLACE OLNEY, MD 20832 By authority contained in a Deed of Trust dated July 2, 2021 and recorded in Liber 63592, Folio 100, among the Land Records of Montgomery County, Maryland, with an original principal balance of $796,000.00, and an interest rate of 2.250%, default having occurred thereunder, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Montgomery County (Maryland Avenue entrance), 50 Maryland Avenue, Rockville, MD 20850, on July 22, 2026 AT 11:15 AM ALL THAT FEE SIMPLE property more fully described in the aforesaid Deed of Trust. The property is improved by a dwelling. Terms of Sale: The property will be sold “as is” subject to any conditions, restrictions, easements and agreements of record affecting same with no warranty of any kind. A deposit of $68,000.00 by certified funds only (no cash accepted) required at time of auction. Balance of the purchase price to be paid within 10 days of ratification of sale by the Court, with interest at the note rate from date of sale to settlement. If settlement is delayed for ANY reason, there shall be no abatement of interest or taxes. Real estate taxes and all other public charges, or assessments, including water and sewer facilities charges, ground rent, condo/HOA assessments, private utility, or front foot benefit payments, not otherwise divested by ratification of the sale, to be adjusted as of date of auction. Transfer and recordation taxes, and all other costs incident to settlement, shall be borne by purchaser. Purchaser shall be responsible for obtaining physical possession of the property. TIME IS OF THE ESSENCE. If purchaser fails to go to settlement within ten days of ratification, or otherwise fails to comply with the terms of sale, the Trustee may declare the entire deposit forfeited and resell the property at the risk and expense of defaulting purchaser, who agrees to pay reasonable attorneys' fees and costs if a motion to resell the property has been filed, purchaser waives personal service of any paper filed in connection with such motion, and agrees to accept service of any such paper by regular mail to the address provided at time of sale. If the Trustee cannot convey insurable title, or the loan servicer determines that the sale should not have occurred, the sale shall be null and void, and purchaser's sole remedy shall be the return of deposit without interest. Richard E. Solomon, et al., Sub. Trustees Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Adv: Washington Times, 7/7, 7/14, 7/21 CGD File #: 465325 Ad#103285

IN THE OFFICE OF THE COMMISSIONER OF ACCOUNTS CIRCUIT COURT OF THE CITY OF ALEXANDRIA, VIRGINIA IN RE: ESTATE OF EDWIN GAFFIN NEWBERGER FIDUCIARY NO. 23001405 NOTICE Pursuant to provisions of Virginia Code §64.2-550, notice is hereby given that the undersigned Commissioner of Accounts has, at the request of Kia Kondori, Esquire, on behalf of the personal representative of the Estate of Edwin Gaffin Newberger, appointed August 5, 2026 , at 10:00 a.m. , at his office at 520 King Street, Room 306, Alexandria, Virginia, as the place for receiving proof of debts and demands against the aforesaid decedent and/or his/her estate. Given under my hand as Commissioner of Accounts this 2nd day of July, 2026. /s/ Gary W. Lonergan Gary W. Lonergan Commissioner of Accounts Circuit Court Alexandria, Virginia July 7th, 2026 AD#103632

COHN, GOLDBERG & DEUTSCH, LLC 1099 WINTERSON ROAD, SUITE 301 LINTHICUM HEIGHTS, MARYLAND 21090 www.cgd-law.com SUBSTITUTE TRUSTEES' SALE OF IMPROVED REAL PROPERTY 1201 EAST WEST HIGHWAY, UNIT 209 &PA RKING UNIT#53-LIMITED COMMON STORAGE#20-1 SILVER SPRING, MD 20910 By authority contained in a Deed of Trust dated March 11, 2015 and recorded in Liber 50083, Folio 346, among the Land Records of Montgomery County, Maryland, with an original principal balance of $334,368.00, and an interest rate of 3.250%, default having occurred thereunder, the Substitute Trustees will sell at public auction at the Courthouse door for the Circuit Court for Montgomery County (Maryland Avenue entrance), 50 Maryland Avenue, Rockville, MD 20850, on July 22, 2026 AT 11:15 AM ALL THAT FEE SIMPLE property more fully described in the aforesaid Deed of Trust. The property being sold is a condominium unit and all common elements appurtenant thereto. Terms of Sale: The property will be sold “as is” subject to any conditions, restrictions, easements and agreements of record affecting same with no warranty of any kind. A deposit of $25,000.00 by certified funds only (no cash accepted) required at time of auction. Balance of the purchase price to be paid within 10 days of ratification of sale by the Court, with interest at the note rate from date of sale to settlement. If settlement is delayed for ANY reason, there shall be no abatement of interest or taxes. Real estate taxes and all other public charges, or assessments, including water and sewer facilities charges, ground rent, condo/HOA assessments, private utility, or front foot benefit payments, not otherwise divested by ratification of the sale, to be adjusted as of date of auction. Transfer and recordation taxes, and all other costs incident to settlement, shall be borne by purchaser. Purchaser shall be responsible for obtaining physical possession of the property. TIME IS OF THE ESSENCE. If purchaser fails to go to settlement within ten days of ratification, or otherwise fails to comply with the terms of sale, the Trustee may declare the entire deposit forfeited and resell the property at the risk and expense of defaulting purchaser, who agrees to pay reasonable attorneys' fees and costs if a motion to resell the property has been filed, purchaser waives personal service of any paper filed in connection with such motion, and agrees to accept service of any such paper by regular mail to the address provided at time of sale. If the Trustee cannot convey insurable title, or the loan servicer determines that the sale should not have occurred, the sale shall be null and void, and purchaser's sole remedy shall be the return of deposit without interest. Richard E. Solomon, et al., Sub. Trustees Tidewater Auctions, LLC (410) 825-2900 www.tidewaterauctions.com Adv: Washington Times, 7/7, 7/14, 7/21 CGD File #: 449934 Ad#103286