STATE OF GEORGIA, ) COUNTY OF EFFINGHAM, ) NOTICE OF SALE UNDER POWER THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given Catherine M. McBride to Page Newlands Thomson, dated April 28, 2010, recorded in Deed Book 1934, page 167, in the Office of the Clerk of Superior Court of Effingham County, Georgia, said Security Deed having been given to secure a Note of even date, in the original principal amount of Thirty Four Thousand Nine Hundred and No/100 ($34,900.00) Dollars, with interest thereon as provided therein, will be sold at public outcry to the highest bidder for cash before the courthouse door of Effingham County, or at such place as has or may be lawfully designated as an alternative location, within the legal hours of sale on the first Tuesday of the said month being, November 4, 2025, all property described in said Security Deed including but not limited to the following described property: All that certain lot, tract or parcel of land situate, lying and being in the 10th G.M. District, Effingham County, Georgia, known and designated as Lot No. 4, Conifer Crossing Subdivision, Phase 1, that is shown and more particularly described by the plat of survey made by Warren E. Poythress, R.L.S. #1953, dated August 24, 1995, recorded in the Office of the Clerk of the Superior Court of Effingham County, Georgia, in Plat Cabinet A, Slide 328-A, which is incorporated into this description by specific reference thereto. This being the same property conveyed by Page Newlands Thomson to Catherine M. McBride, as evidenced by that certain Warranty Deed dated April 28, 2010, recorded in Deed Book 1934, page 164, aforesaid records. SUBJECT HOWEVER to all restrictive covenants, easements and rights-of-way of record. Together with an improvement and immovable fixture attached thereto known as a 1996, 28 x 56, Destiny Mobile Home, Serial #049774AB. Said mobile home is permanently affixed to the land and is to remain on the land described herein so as to become a part of the real property. Grantor declares that the wheels, axels, and hitches have been removed and that the mobile home is connected to the utilities. Grantor intends that the mobile home lose its nature as personal property and become real property. Said mobile home shall be hereafter considered a permanent fixture on the realty and henceforth title to said mobile home shall be considered as merged with title to the realty. Said property has a current Tax Identification number of 369D-4, with a street address of 106 Conifer Dr., Guyton, GA 31312. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of defaults, non-payment of monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney's fees (notice of intent to collect attorney's fees having been given). The entity that has full authority to negotiate, amend and modify terms of the loan is The Ratchford Firm, P.O. Box 1039, Springfield, Georgia 31329 (1-912-754-7800) Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: a) zoning ordinances; b) matters which would be disclosed by an accurate survey or by an inspection or the property; c) any outstanding ad valorem taxes, including taxes , which constitute liens upon said property whether or not now due and payable; d) special assessments; e) the right of redemption of any taxing authority; f) all outstanding bills for public utilities which constitute liens upon said property; g) all restrictive covenants, easements, right-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is Catherine M. McBride or tenant(s). The sale will be conducted subject to 1) confirmation that the sale is not prohibited under the U.S. Bankruptcy code and 2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Page Newlands Thomson, as Attorney-in-fact for Catherine M. McBride Contact: The Ratchford Firm: P.O. Box 1039, Springfield, GA 31329 (912-754-7800) THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 22540 10/29/25 RL