NOTICE OF SALE UNDER POWER   GEORGIA, RICHMOND COUNTY   Under and by virtue of the Power of Sale contained in a Security Deed given by Crystal Polite, Darrell Polite to Mortgage Electronic Registration Systems, Inc., as nominee for PHM Financial Incorporated, DBA Professional Home Mortgage, a Colorado Corporation, its successors and assigns dated March 25, 2008, recorded in Deed Book 1176, Page 690, Richmond County, Georgia Records, and as modified by that certain Loan Modification Agreement recorded in Deed Book 1953, Page 2156, Richmond County, Georgia Records, as last transferred to U.S. BANK NATIONAL ASSOCIATION by assignment recorded in Deed Book 1397, Page 1478, Richmond County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-FIVE THOUSAND FOUR HUNDRED NINETY-THREE AND 0/100 DOLLARS ($175,493.00), 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 Richmond 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 February, 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. U.S. BANK NATIONAL ASSOCIATION 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: U.S. Bank National Association, 2800 Tamarack Road, CN-KY-TMFC, Owensboro, KY 42301-6566, 855-698-7627. 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 Crystal Polite, Darrell Polite and Estate of Crystal Polite or a tenant or tenants and said property is more commonly known as 1382 Walton Loop, Hephzibah, GA 30815. 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. U.S. BANK NATIONAL ASSOCIATION as Attorney in Fact for Crystal Polite, Darrell Polite McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" ALL THAT CERTAIN PROPERTY SITUATED IN THE COUNTY OF RICHMOND, AND STATE OF GEORGIA, BEING DESCRIBED AS FOLLOWS: ALL THAT LOT OR PARCEL OF LAND, TOGETHER WITH ALL BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE STATE OF GEORGIA, COUNTY OF RICHMOND BEING KNOWN AND DESIGNATED AS LOT 33, BLOCK K, SECTION VI, WALTON HILLS SUBDIVISION AS SHOWN ON A PLAT RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF RICHMOND COUNTY, GEORGIA, IN PLAT CABINET 1, PAGE 747. REFERENCE IS HEREBY MADE TO SAID PLAT FOR A MORE COMPLETE AND ACCURATE DESCRIPTION AS TO METES, BOUNDS AND LOCATION OF SAID PROPERTY. FOR INFORMATIONAL PURPOSES ONLY: THE APN IS SHOWN BY THE COUNTY ASSESSOR AS 152-3-022-00-0; SOURCE OF TITLE IS BOOK 01028, PAGE 1661 (RECORDED 12/09/05) MR / JD February 3, 2026 Our file no. 5383519-FT8 5383519