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 Berneta Wallace and Hercules Wallace to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Fieldstone Mortgage Company, dated August 10, 2004, and recorded in Deed Book 1158, Page 214, Effingham County, Georgia Records, subsequently modified by a Loan Modification Agreement recorded May 31, 2011 in Book 02017, Page 0091 in the amount of Two Hundred Thirty-Seven Thousand Nine Hundred Twenty-Two and 26/100 ($237,922.26) Effingham County, Georgia Records, as last transferred to HSBC Bank USA, National Association, as Indenture Trustee of the Fieldstone Mortgage Investment Trust, Series 2004-4 by assignment recorded on October 21, 2010 in Book 1971 Page 220 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 Fourteen Thousand Two Hundred and 0/100 dollars ($214,200.00), 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 June 2, 2026, the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN CITY OF GUYTON, 10TH GMD, EFFINGHAM COUNTY, GEORGIA, AND BEING KNOWN AND DESIGNATED AS LOT 16, 18, 20 & 22, TRACT 3, AS SHOWN ON THAT CERTAIN PLAT OF SURVEY RECORDED IN AFORESAID RECORDS IN PLAT CABINET B, SLIDE 29-B, WHICH IS INCORPORATED HEREIN. MORE COMMONLY KNOWN 305 HINES AVENUE, GUYTON, GA 31312 MAP/PARCEL G0060-041 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: Onity Mortgage Corporation F/K/A 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 BERNETA WALLACE or tenant(s); and said property is more commonly known as 305 Hines Ave, 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. HSBC Bank USA, National Association, as Indenture Trustee of the Fieldstone Mortgage Investment Trust, Series 2004-4 as Attorney in Fact for Berneta Wallace and Hercules Wallace. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 22-00513 23526 5.27.26 RL