NOTICE OF FORECLOSURE SALE UNDER POWER EFFINGHAM COUNTY, GEORGIA Under and by virtue of the Power of Sale contained in a Security Deed given by Irena J Thompson and Adrian M Thompson to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Ark-La-Tex Financial Services, LLC dba Benchmark Mortgage, dated April 30, 2021, and recorded in Deed Book 2690, Page 493, Effingham County, Georgia Records, as last transferred to The Secretary of Veterans Affairs, an officer of the United States by assignment recorded on April 9, 2025 in Book 2966 Page 479 in the Office of the Clerk of Superior Court of Effingham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Two Hundred Fifty-Nine Thousand Nine Hundred and 0/100 dollars ($259,900.00), 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 March 3, 2026, the following described property: All that certain lot, tract or parcel of land situate, lying and being in Effingham County, Georgia, and being known and designated as Lot 49, Abbey Lane Subdivision, Phase II, as shown on the map or plat of said Subdivision recorded in the Office of the Clerk of the Superior Court of Effingham County, Georgia, in Plat Cabinet D187, Slide D. Said map or plat is incorporated herein by specific reference for a more complete description of the property herein conveyed. Said property containing improvements thereon currently known as 505 Deforest Lane, Guyton, GA 31312, PIN 0346B049, 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). The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: PHH Mortgage Corporation they can be contacted at 1-800-750-2518 for Loss Mitigation Dept, or by writing to 1661 Worthington Rd., Ste. 100, West Palm Beach, Florida 33409, to discuss possible alternatives to avoid 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 Adrian M. Thompson or tenant(s); and said property is more commonly known as 505 Deforest Ln, Guyton, GA 31312. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. The Secretary of Veterans Affairs, an officer of the United States as Attorney in Fact for Irena J Thompson and Adrian M Thompson. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 25-33775 23032 2.25.26 RL