NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed executed by Shamon R. McCloud aka Shaman R. McCloud and Shatera Johnson, joint tenants with rights of survivorship, in favor of Mortgage Electronic Registration Systems, Inc., as Grantee, as nominee for Cardinal Financial Company, Limited Partnership, its successors and assigns, said security instrument being recorded in the Office of the Clerk of Superior Court of Effingham County, Georgia on March 9, 2022 in Book 2768 at Page 950-970 as Instrument Number D2022002429, conveying the after-described property to secure a Note in the original principal amount of $223,870.00, 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 within the legal hours of sale on the first Tuesday in December, 2025, the following described property: All That Certain Lot, Tract, or Parcel of Land Situate, Lying and Being in Guyton, 10th G.M. District, Effingham County, Georgia and Designated as Lot 1 on that Certain Plat Prepared by Michael A. Hussey Grls # 2509 Datedd March 19, 2021 and Entitled "Dilmus Jackson Street Minor Subdivision Survey" and Recorded in Deed Books 29 Page 32 in the Office of the Clerk of Superior Court Of Effingham County, Georgia Records. 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 Security Deed and by law, including attorney`s fees (notice of intent to collect attorney`s fees having been given). Essex Mortgage Corporation can be contacted at 855-766-6540 or by writing to 1417 N Magnolia Ave, Ocala, FL 34475, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Shatera Johnson and Shamon R. McCloud or a tenant or tenants and said property is more commonly known as 316 Dilmus Jackson Street, Guyton, GA 31312. 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. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Data Mortgage, Inc. d/b/a Essex Mortgage, the current lender as attorney in fact for Shamon R. McCloud aka Shaman R. McCloud and Shatera Johnson, joint tenants with rights of survivorship Halliday, Watkins & Mann, P.C. 244 Inverness Center Drive Suite 200 Birmingham, AL 35242 Phone: (801) 355-2886 Fax: (801) 328-9714 www.hwmlawfirm.com 22636 11/26/25 RL