NOTICE OF SALE UNDER POWER GEORGIA, MUSCOGEE COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Hannah C Irby to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for Capital One Home Loans, LLC, its successors and assigns dated August 24, 2007, recorded in Deed Book 9104, Page 181, Muscogee County, Georgia Records, and as modified by that certain Loan Modification Agreement recorded in Deed Book 14291, Page 96, Muscogee County, Georgia Records, as last transferred to U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST by assignment recorded in Deed Book 14350, Page 94, Muscogee County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of SEVENTY-SEVEN THOUSAND AND 0/100 DOLLARS ($77,000.00), 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 Muscogee 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 December, 2025, 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 TRUST NATIONAL ASSOCIATION NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST 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: Selene Finance LP, 3501 Olympus Boulevard, 5th Floor, Suite 500, Coppell, TX 75019, 8777683759. 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 Hannah C Irby and Edward P. Irby or a tenant or tenants and said property is more commonly known as 406 Henson Avenue, Columbus, GA 31907. 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 TRUST NATIONAL ASSOCIATION NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCAF ACQUISITION TRUST as Attorney in Fact for Hannah C Irby McCalla Raymer Leibert Pierce, LLP 1544 Old Alabama Rd Roswell, GA 30076 www.foreclosurehotline.net EXHIBIT "A" All that lot, tract or parcel of land situate, lying and being in Columbus, Muscogee County, Georgia and being known and designated as Lot 2, Block "B", Section 2, and revised survey of Block "B", Section 1, Wickham Heights, a Subdivision of Columbus, Georgia as said Lot is shown on a map or plat of said subdivision recorded in Plat Book 21, Page 45, in the Office of the Clerk the Superior Court of Muscogee County, Georgia. Tax ID #: 088 019 014 Being the same property conveyed to Hannah C. Irby by Quitclaim Deed executed by Cartrie Harris Irby, recorded 6/27/2007 under instrument No. 20070017546 in the Muscogee County Records. The source deed as stated above is the last record of vesting filed for this property. There have been no vesting changes since the date of the above referenced source. MR / KR December 2, 2025 Our file no. 5357411-FT18 5357411 IPL0284304 Nov 5,12,19,26 2025