Notice of Sale Under Power

Notice of Sale Under Power By virtue of the power of sale contained in that certain Security Deed from An Lin Ruan ("Grantor") to BayFirst National Bank ("Lender"), dated May 20, 2022, recorded on May 24, 2022 in Deed Book 2813, Pages 227-233 of the Office of the Clerk of Superior Court of Chatham County, Georgia (the "Security Deed"), which secured Grantor's Unconditional Guaranty of a Promissory Note dated July 24, 2018 in the principal amount of One Million Eighty Thousand and No/100 Dollars ($1,080,000.00) executed by Ruan Properties LLC and Milan Ruan Inc. in favor of Lender (together with any and all renewals, replacements, modifications, and extensions thereof, the "Note"), the undersigned will sell at public outcry to the highest bidder for cash before the door of the County Courthouse in Chatham County, Georgia, on the first Tuesday in November 2025 (November 4, 2025), between the legal hours of sale, the property described as follows (the "Property"): ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF SAVANNAH, CHATHAM COUNTY, GEORGIA, KNOWN AS LOT 162, UPON A MAP OF COFFEE POINTE SUBDIVISION, PHASE 2-B, PREPARED FOR D. R. HORTON, INC., BY THOMAS & HUTTON ENGINEERING CO., RECORDED IN SUBDIVISION MAP BOOK 42-S, PAGE 146-A, ET. SEQ., IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF CHATHAM COUNTY, GEORGIA. SAID LOT IS A PORTION OF THE PROPERTY CONVEYED TO D. R. HORTON, INC., BY WARRANTY DEED DATED APRIL 1, 2004. SAID MAP AND DEED ARE INCORPORATED HEREIN BY REFERENCE; BEING IMPROVED PROPERTY KNOWN AS 2 PEABERRY LANE, SAVANNAH, GEORGIA 31419. P.I.N. 2-0687-01-164. The debt secured by the Security Deed has been and is hereby declared due and payable because of, among other possible events of default, the failure to make monthly payments under the Note when due. The debt remaining in default, this sale will be made for the purpose of paying the debt, including accrued interest, expenses of the sale, and attorney's fees, notice of intention to collect attorney's fees having been given in accordance with applicable law, as well as all other sums provided for under the Note and the Security Deed. The remaining proceeds, if any, shall be applied as provided by law. The Property will be sold as the property of Grantor. To the undersigned's best knowledge and information, Grantor is the party in possession of the Property. The Property will be sold "as is", without express or implied warranties of any kind, subject to: all zoning ordinances; matters that would be disclosed by an accurate survey or an inspection of the Property; any outstanding taxes and governmental assessments, including unpaid real and personal property ad valorem taxes; all outstanding bills for public utilities that constitute liens upon the Property; all restrictive covenants, easements, rights-of-way, assessments; that certain Security Deed from An Lin Ruan to Mortgage Electronic Registration Systems, Inc. ("MERS") as designated nominee for MB Financial Bank, N.A., Beneficiary of the Security Instrument, dated July 2, 2015, recorded on July 13, 2015 in Deed Book 577, Pages 793-812 of the Office of the Clerk of Superior Court of Chatham County, Georgia, the Security Deed having been assigned to MB Financial Bank, N.A. on July 5, 2016, by Corporate Assignment of Security Deed, recorded on July 18, 2016 in Deed Book 849, Pages 352-353, aforesaid records, which secured a Note dated November 11, 2011 in the original principal amount of Two Hundred Eighty Thousand and No/100 Dollars ($280,000.00) executed by Borrower in favor of Lender (together with any and all renewals, replacements, modifications, and extensions thereof, the "Note"). This sale will be conducted subject to (i) confirmation that it is not prohibited by the United States Bankruptcy Code, and (ii) the provisions of O.C.G.A. §9-13-172.1 that permit the rescission of judicial and non-judicial foreclosure sales in Georgia in certain circumstances. The undersigned will execute a deed to the purchaser as provided in the Security Deed. The individual or entity with full authority to negotiate, amend, and modify the terms of the Note and the Security Deed is: Scott McLaughlin, VP, Loan Workout Officer, BayFirst National Bank, 700 Central Avenue, St. Petersburg, FL 33701, 727-350-7706. However, such individual or entity is not required by law to negotiate, amend, or modify the terms of the Note or the Security Deed. By: BayFirst National Bank, c/o Robert R. Stubbs, Esq. (GA Bar No. 689750), Parker Poe Adams & Bernstein LLP, 1075 Peachtree Street NE, Suite 1500, Atlanta, Georgia 30309; bobstubbs@parkerpoe.com; (404) 665-1250. THIS LAW FIRM MAY BE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. October 10, 17, 24, 31 2025 LGSC0382949