TRUSTEE'S SALE OF VALUABLE REAL ESTATE The undersigned Substitute Trustee, by virtue of the authority vested in him by that certain Deed of Trust, dated October 4, 2024, and duly recorded in the Office of the Clerk of the County Commission of Cabell County, West Virginia, in Document No. 6215663, in Book No. 2981, at Page 294, Gary A Fryer and Stephanie Chapman did convey unto Omnia Title Corp., Trustee(s), certain real property described in said Deed of Trust; and the beneficiary has elected to appoint Seneca Trustees, Inc., as Substitute Trustee; and default having been made under the aforementioned Deed of Trust, and the undersigned Substitute Trustee having been instructed by Citibank, N.A., not in its individual capacity but solely as trustee of EFMT 2025-NQM1 to foreclose thereunder, will offer for sale at public auction at the front door of the Fourth Avenue Entrance of the Cabell County Courthouse in Huntington, West Virginia, on February 2, 2026 at 10:30 AM the following described real estate, together with its improvements, easements and appurtenances thereunto belonging, situate in 09 – City / Milton District, Cabell County, West Virginia, and more particularly described as follows: All those certain lots, piece, or parcels of Land, together with the improvements thereon and the appurtenances thereunto belonging, situate in City/Milton District, Cabell County, West Virginia, and known and designated on a certain map of Jackson Heights, East Milton, which map was made by Basil S. Burgess, Registered Professional Engineer, and recorded In the Clerk's Office of the Cabell County Court, West Virginia, In Map Book No. 5, as Map No. 70, as Lot Number Fourteen (14), and also the Easterly 25 feet of Lot Number 15, and more particularly described as follows: Beginning at a point In the North line of Drew Street at the Southwest corner of Lot No. 14 and the Southeast corner of Lot No. 15; Thence North with the West line of Lot No. 14, 137 feet, more or less, to the Northwest corner of said Lot No. 14, thence West with North line of said lot No. 15, 25 feet to an iron pipe set In the ground; thence South and parallel with said West line of Lot No. 14, 135 feet, more or less, to the North line of said Drew Street. Thence East with said North line of Drew Street 25 feet to the place of Beginning. This being the Easterly 25 feet of lot No. 15. At the time of the execution of the Deed of Trust, this property was reported to have an address of: 1002 Drew St, Milton, WV 25541. The referenced real estate will be conveyed with no covenants of warranty, and subject to all covenants, restrictions, easements, rights of way and reservations which may be a matter of record in the aforesaid Clerk's Office or visible upon the ground, all prior liens and encumbrances, including, without limitation, liens for real estate taxes, incinerator, sanitary and sewer charges. The purchasers at the sale shall be responsible for paying the recording costs and also the tax on the privilege of transferring real property (the cost of the tax stamp to be affixed to the deed). The purchasers shall be responsible for payment of all real estate taxes. The subject property will be sold in "AS IS" condition. The Substitute Trustee shall be under no duty to cause any existing tenant or person occupying the subject property to vacate said property. TERMS: $9000.00 in cash and/or certified funds as deposit at the time of sale with the balance due and payable within 30 days of the day of sale. FEDERAL TAX LIEN: In the event that there are Federal Tax Liens against the property, the United States would have the right to redeem the property within a period of 120 days from the date of such sale or the period allowable for redemption under local law, whichever is longer. Pursuant to the Deed of Trust, the Trustee may postpone the sale by public announcement at the time and place designated or by posting a notice of the same, and act by agent in the execution of the sale. The parties secured by the Deed of Trust reserve the right to purchase the property at such sale. SENECA TRUSTEES, INC. 5000 Coombs Farm Drive, Suite 104 Morgantown, WV 26508 (304) 413-0044 (304) 292-2918 Toll free: (888) 534-3132 Reference File No. 93995 LH-401044 01-09,16;2026