NOTICE OF SALE UNDER POWER GEORGIA, EFFINGHAM COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by James Cuadrado and Lilyanna Cuadrado to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Celebrity Home Loans, LLC, its successors and assigns dated October 28, 2022, recorded in Deed Book 2817, Page 37, Effingham County, Georgia Records, and as modified by that certain Loan Modification Agreement recorded in Deed Book 3001, Page 988, Effingham County, Georgia Records, as last transferred to SERVIS ONE, INC. DBA BSI FINANCIAL SERVICES by assignment recorded in Deed Book 3008, Page 396, Effingham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FIFTY THOUSAND SIX HUNDRED THIRTY-FIVE AND 00/100 DOLLARS ($250,635.00), 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 October, 2026, 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 and payable because of default having been made of the terms of the Note and Security Deed. The terms remaining in default, this sale will be made for the purpose of paying the total debt, including all expenses of this sale, as provided in the Security Deed and by law which includes, but is not limited to, 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. Prospective bidders must perform their own due diligence. SERVIS ONE, INC. DBA BSI FINANCIAL SERVICES 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: BSI Financial Services, Inc., 7500 Old Georgetown Road, Suite 1350 , Bethesda, MD 20814, (800) 327-7861. Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan. Upon information and belief, said property is more commonly known as 116 Fox Trce, Rincon, GA 31326. Should a conflict arise between the property address and the legal description, the legal description shall control. ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (the "Rule"), found at 89 FR 70258, went into effect. The Rule applies to certain residential real estate sale transactions (including some that go beyond the typical one-to-four family residence) where the transfer is to a legal entity or trust, and which includes cash purchases, private financing or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicion Activity Report requirement. If applicable, as part of this Rule, buyers and sellers are required to provide additional information and documentation about themselves, their legal entities, and/or the source of funds used in the reportable transaction. The collection of this information and documentation is required to comply with the Rule's federal reporting requirements, if applicable.* This notice is provided for informational purposes only and does not constitute legal advice. You are encouraged to consult with your own independent legal counsel if you have questions about how the FinCEN Anti-Money Laundering Rule affects your transaction and whether your transaction is reportable. *The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) to confirmation that the successful bidder has timely provided all information required for reporting under the Rule, 89 FR 70258, if applicable. SERVIS ONE, INC. DBA BSI FINANCIAL SERVICES as Attorney in Fact for James Cuadrado and Lilyanna Cuadrado 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 Rincon, Effingham County, Georgia, known as Lot 9, Ridgewood Subdivision, Phase I, 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 C2, Slides A and B. Said property was conveyed to Daniel S. Cowie and Madelyn Cowie by Warranty Deed dated December 3, 2019, recorded in Deed Book 2567, Page 188, aforesaid clerk's Office. Said plat and deed are incorporated herein by specific reference. Containing improvements thereon known as 118 Fox Trace, Rincon, Georgia. PIN #2510-009. KR October 6, 2026 Our file no. 25-18605GA 25-18605GA 24125 9.30.26 RL