NOTICE OF SALE UNDER POWER STATE OF GEORGIA, COUNTY OF BRYAN By virtue of a Power of Sale contained in that certain Subject Mortgage from Derek Ard to Mortgage Electronic Registration Systems, Inc for Mortgage Research Center, LLC dba Veterans United Home Loans ITS SUCCESSORS AND ASSIGNS, dated February 8, 2024 and recorded on February 12, 2024 in Deed Book 1657, Page 567, in the Office of the Clerk of Superior Court of Bryan County, Georgia, said Subject Mortgage having been given to secure a Note of even date, in the original principal amount of Two Hundred Ninety-Nine Thousand Five Hundred Seventy and 00/100 dollars ($299,570.00) with interest thereon as provided therein, as last transferred to Planet Home Lending, LLC by assignment recorded at Book 1764, Page 502, aforesaid records, will be sold at public outcry to the highest bidder for cash before the courthouse door of Bryan County, Georgia, or at such place as has or may be lawfully designated as an alternative location, within the legal hours of sale on the first Tuesday in October, 2026, all property described in said Subject Mortgage including but not limited to the following described property: All that certain lot, tract or parcel of land situate, lying and being in 1380th G.M. District of Bryan County, Georgia, and being more particularly described as Lot 75, Magnolia Creek Plantation Subdivision, as set forth on that certain plat of survey prepared by David A. Brunson, G.R.LS. No. 2538, dated May 10, 2006, and recorded in the Office of the Clerk of Superior Court of Bryan County, Georgia, in Plat Slide 567, Pages 2 and 3. Said map is incorporated herein by specific reference for a more complete description of the property herein conveyed. Said property containing improvements thereon known as 175 Creekside Drive, Ellabell, Georgia, 31308. Parcel ID Number: 0265 075. Subject to any Easements or Restrictions of Record. Said property may more commonly be known as 175 Creekside Cir, Ellabell, GA 31308. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney's fees (notice of intent to collect attorney's fees having been given). The individual or entity that has full authority to negotiate, amend and modify all terms of the loan is Planet Home Lending, LLC, 321 Research Parkway, Suite 303, Meriden CT 06450, (203) 303- 5283. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. The sale will also be subject to the following items which may affect the title: a) zoning ordinances; b) matters which would be disclosed by an accurate survey or by an inspection of the property; c) any outstanding ad valorem taxes, including taxes, which constitute liens upon said property whether or not now due and payable; d) special assessments; e) the right of redemption of any taxing authority; f) all outstanding bills for public utilities which constitute liens upon said property; g) all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Subject Mortgage. To the best of the knowledge and belief of the undersigned, the owners and party in possession of the property are Derek Ard and or tenant(s). The sale will be conducted subject to 1) confirmation that the sale is not prohibited under the U.S. Bankruptcy code and 2) final confirmation and audit of the status of the loan with the holder of the Subject Mortgage. Planet Home Lending, LLC as Attorney-in-Fact for Derek Ard Contact: Padgett Law Group: 6267 Old Water Oak Road, Suite 203, Tallahassee, FL 32312; (850) 422-2520 26-015506 Ad Run Dates: 09/10/2026 ,09/17/2026 ,09/24/2026 ,10/01/2026 ; 54521 10.1.26 RL