NOTICE OF SALE UNDER POWER GEORGIA, COLUMBIA COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Matthew S Kessler, Chandler B Stewart to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Guild Mortgage Company LLC., its successors and assigns. dated August 17, 2023, recorded in Deed Book 14874, Page 4, Columbia County, Georgia Records, as last transferred to Guild Mortgage Company LLC to be recorded in the Office of the Clerk of Superior Court of Columbia County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-SEVEN THOUSAND NINE HUNDRED TWENTY-SIX AND 0/100 DOLLARS ($247,926.00), 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 Columbia 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 January, 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 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. § 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 § 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 Matthew S Kessler and Chandler B Stewart or a tenant or tenants and said property is more commonly known as 321 Frick Lane, Grovetown, GA 30813. 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 Matthew S Kessler, Chandler B Stewart McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" ALL that lot or parcel of land, with improvements thereon, situate, lying and being in the State of Georgia, County of Columbia, being shown and designated as Lot 23, Block E, Mill Branch, Section One, on a plat recorded in the Office of the Clerk of the Superior Court of Columbia County, Georgia, in Plat Cabinet E, Slide 117 Plat No. 8; reference being made to said plat for a more complete and accurate description as to the metes, bounds and location of said property. Said property is conveyed subject to and with notice of the following matters: a) drainage easements, building setback lines, and all other matters shown on the plat of record; b) general utility easements and road right-of-way grants and easements. Said property is hereby conveyed subject to easements recorded in Deed Book 1430, page 126; Deed Book 4704, page 1; Deed Book 4600, page 240; Deed Book 4283, pages 85-87; and Deed Book 130, page 126 of the Clerks Office of Columbia County, Georgia. Said property is hereby conveyed subject to Protective Covenants applicable to said subdivision of record in aforesaid Clerk's Office in Deed Book 5687, Page 281 and to any and all other easements, restrictions and rights of way of record in the aforesaid Clerk's Office For Informational Purposes Only: Tax Map and Parcel No. 062 866 MR / GW January 6, 2026 Our file no. 25-19483GA-FT17 25-19483GA 11865189