NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU MAY REMOVE OR STRIKE ANY OR ALL OF THE FOLLOWING INFORMATION FROM ANY INSTRUMENT THAT TRANSFERS AN INTEREST IN REAL PROPERTY BEFORE IT IS FILED FOR RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR YOUR DRIVER'S LICENSE NUMBER. NOTICE OF SUBSTITUTE TRUSTEE'S SALE DATE: January 20, 2026 NOTE: Promissory Lien Note described as follows: Date: Debtor: Original Creditor: July 20, 2023 Chinonye Sabinus Okere Mortgage Electronic Registration Systems Inc., as nominee for A&D Mortgage LLC, it's successors and assigns Original Principal Amount: $296,800 .00 Current Holder: Wilmington Savings Fund Society, FSB not in its individual capacity but solely as the Trustee of ADMT 2023-NQM4 DEED OF TRUST: Deed of Trust described as follows: Date: Grantor: Trustee: Current Beneficiary: Recorded: July 20, 2023 Chinonye Sabinus Okere, a single man Charles H. Newman Wilmington Savings Fund Society, FSB, not in its individual capacity but solely as the Trustee of ADMT 2023-NQM4 Instrument No. 2023069511 of the Public Records of Fort Bend County, State of TX. LENDER: Wilmington Savings Fund Society, FSB not in its individual capacity but solely as the Trustee of ADMT 2023-NQM4 BORROWER: Chinonye Sabinus Okere PROPERTY: The real property described as folJows: TX 8237-25 LOT 31, BLOCK I, WALNUT CREEK, SECTION FIFTEEN, A SUBDIVISION IN FORT BEND COUNTY, TEXAS ACCORDING TO THE MAP OR PLAT THEREOF RECORDED IN PLATNO. 20170062, OF THE PLAT RECORDS OF FORT BEND COUNTY, TEXAS SUBSTITUTE TRUSTEE: Brent W. Martinelli, Kelley Church, Brandi Wilson, Abstracts/Trustees of Texas, LLC SUBSTITUTE TRUSTEE'S MAILING ADDRESS: Quintairos, Prieto, Wood & Boyer, P.A. 255 South Orange Avenue, Suite 900 Orlando, Florida 32801 DATE AND TIME OF SUBSTITUTE TRUSTEE'S SALE OF PROPERTY: ✓ March 03, 2026, the first Tuesday of the month, to commence at 1 :00 PM, or within three (3) hours after that time. PLACE OF SUBSTITUTE TRUSTEE'S SALE OF PROPERTY: At the Fort Bend County Building, 301 Jackson Street, Richmond, Texas, first floor meeting room, or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioner's Court. RECITALS Default has occurred in the payment of the Note and/or in the performance of the obligations under the Deed of Trust that secures the Note. Because of this default, Lender, the owner and holder of the Note and the Deed of Trust lien under Texas Property Code Section 51.002, has requested that Substitute Trustee sell the Property according to the terms of the Deed of Trust and applicable law. Formal notice is now given of Lender's election to proceed against and sell the real property described in the Deed of Trust, consistent with Lender's rights and remedies under the Deed of Trust and applicable law. Therefore, notice is given that on the Date and Time of Substitute Trustee's Sale of Property and at the Place of Substitute Trustee's Sale of Property, I, as Substitute Trustee, or any other substitute trustee Lender may appoint, will sell the Property by public sale to the highest bidder for cash or acceptable certified funds, according to the Deed of Trust and applicable law. The sale and conveyance of the Property will be subject to all matters ofrecord applicable to the Property that are superior to the Deed of Trust and to any permitted exceptions to title described in the Deed TX 8237-25 of Trust. Substitute Trustee has not made and will not make any covenants, representations, or warranties about the Property other than providing the successful bidder at the sale with a deed to the Property containing any warranties of title required by the Deed of Trust. The Property will be sold AS IS, WHERE IS, AND WITH ALL FAULTS. ASSERT AND PROTECT YOUR RIGHTS AS A MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU ARE OR YOUR SPOUSE IS SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL GUARD OR THE NATIONAL GUARD OF ANOTHER STATE OR AS A MEMBER OF A RESERVE COMPONENT OF THE ARMED FORCES OF THE UNITED STATES, PLEASE SEND WRITTEN NOTICE OF THE ACTIVE DUTY MILITARY SERVICE TO THE SENDER OF THIS NOTICE IMMEDIATELY. Notice of Sale executed by: TX 8237-25 Brent W. Martinelli, Kelley Church, Brandi Wilson, Abstracts/Trustees of Texas, LLC. As Substitute Trustee