NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Robert Carter to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Guild Mortgage Company LLC, its successors and assigns dated September 27, 2021, recorded in Deed Book 2728, Page 893, Effingham County, Georgia Records, as last transferred to Guild Mortgage Company LLC by assignment recorded in Deed Book 2996, Page 083, Effingham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-SIX THOUSAND TWO HUNDRED SEVENTY-EIGHT AND 0/100 DOLLARS ($196,278.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Effingham County, Georgia, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in November, 2025, the following described property: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice pursuant to O.C.G.A. SS 13-1-11 having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and any matters of record including, but not limited to, those superior to the Security Deed first set out above. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. Guild Mortgage Company LLC is the holder of the Security Deed to the property in accordance with OCGA SS 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Guild Mortgage Company LLC, 5887 Copley Drive, 3rd floor, San Diego, CA 92111, 8003654441. Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party in possession of the property is Robert Carter or a tenant or tenants and said property is more commonly known as 7 Oak Ridge Cir, Rincon, GA 31326. Should a conflict arise between the property address and the legal description the legal description will control. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Guild Mortgage Company LLC as Attorney in Fact for Robert Carter McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" All that certain lot, tract or parcel of land situate, lying and being in the Town of Rincon 9th G M District, Effingham County, Georgia, being known as LOT THIRTY-THREE (33), BENT TREE Subdivision as shown and more particularly described on that certain map or plat made by Warren E Poythress, RL S # 1953, dated January 3, 1994 recorded in Plat Cabinet A, Slide 254-D in the records of the Clerk of Superior Court of Effingham County, Georgia. For a more particular description reference IS hereby made to the aforesaid plat, which is specifically incorporated herein and made a part hereof Said property having an address of 7 Oak Ridge Circle, Rincon, GA 31326 and a property tax number of R2540-033-000 This being the same property conveyed to Matthew R Poole and Jennifer S Poole by Warranty Deed from Barbara Poole and Bernice Poole, dated January 6, 2016, and recorded in Deed Book 2327. Page 33, Effingham County records Subject, however, to all valid restrictive covenants, easements and rights-of-way of record MR / KR November 4, 2025 Our file no. 25-18539GA-FT17 25-18539GA 22565 10/29/25 RL