NOTICE OF POWER OF SALE CONTAINED IN SECURITY DEED STATE OF GEORGIA COUNTY OF MUSCOGEE Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from PAMELA D. ALLEN (hereinafter referred to as "Grantor") to F&M BANK AND TRUST COMPANY, dated July 1, 2008, and recorded in Deed Book 9431, Page 270, Muscogee County, Georgia records, as modified by that certain Modification of Deed to Secure Debt dated January 11, 2010, and recorded in Deed Book 9914, Page 347, Muscogee County, Georgia records, and as further modified by that certain Modification of Deed to Secure Debt dated February 8, 2011, and recorded in Deed Book 10221, Page 1, Muscogee County, Georgia records (hereinafter referred to as the "Security Deed"), F&M Bank and Trust Company, the present holder of the Promissory Note and Security Deed defined herein, (hereinafter referred to as the "Secured Creditor") as attorney in fact for Grantor, will sell at public outcry to the highest and best bidder for cash between the legal hours of sale before the courthouse door of Muscogee County, Georgia on the first Tuesday in July, 2026, (July 7, 2026), the following described property (the "Property"), to-wit: All that lot, tract or parcel of land situate, lying and being in Columbus, Muscogee County, Georgia, and being known and designated as all of LOT NUMBERED SIX (6), in BLOCK LETTERED "A", in that certain Subdivision of land known as ADDITION TO EASTWOOD HEIGHTS, as said lot is shown upon a map or plat of said Subdivision recorded in Plat Book 6, at Page 178, in the Office of the Clerk of the Superior Court of Muscogee County, Georgia, and reference is made to said map or plat for the most particular location and dimensions of said lot. Located thereon is dwelling numbered 935 Eastwood Drive, Columbus, Georgia, according to the present system of numbering in Muscogee County, Georgia, being the identical property conveyed by Scott J. Mailey and Ronnie A. Dollar to Brent Hutchins by Warranty Deed dated February 8, 2002 and recorded in Deed Book 6298, at Page 275, aforesaid records. Said lot is conveyed subject to all valid and enforceable restrictive covenants and easements of record applicable thereto. Said property has a street address of 935 Eastwood Drive, Columbus, Georgia. Said Security Deed secures that certain Adjustable Rate Note dated February 8, 2011, made by Pamela D. Allen in favor of F&M Bank and Trust Company in the original principal amount of One Hundred Five Thousand Nine Hundred Sixty-Four and 56/100 Dollars ($105,964.56) (hereinafter referred to as the "Promissory Note") with interest thereon, together with any and all other indebtedness owed by Grantor to Secured Creditor. The indebtedness arising from the Promissory Note has been and is hereby declared due because of default under the terms of the Promissory Note. The indebtedness remaining in default, the sale will be made for the purpose of applying the proceeds thereof to the payment of the indebtedness secured by the Security Deed, accrued interest and expenses of the sale, and all other payments provided for under the Promissory Note and Security Deed, including attorney fees as provided in the Promissory Note and Security Deed, notice of intention to collect attorney fees having been given as provided by law; and the remainder, if any, shall be applied as provided by law. The following information is being provided in accordance with OCGA § 44-14-162.2. F&M Bank and Trust Company, is the Secured Creditor under the Security Deed and loan being foreclosed. The following entity shall have full authority to negotiate, amend, and modify all terms of the above-described Security Deed and associated note on behalf of the Secured Creditor: F&M Bank and Trust Company, 142 W. Main Street, Manchester, GA 31816; Telephone No.: (706) 846-8415, Attn: Foreclosures. OCGA § 44-14-162.2 states in pertinent part that, "nothing in this subsection shall be construed to require a secured creditor to negotiate, amend, or modify the terms of a mortgage instrument." 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 said Security Deed. Said property will be sold subject to all liens, encumbrances, unpaid real estate ad valorem taxes and governmental assessments and to all prior restrictions, rights-of-way, and easements of record, if any, appearing of record prior to the date of the Security Deed and those appearing after the date of the Security Deed and consented to by the Secured Creditor. To the best knowledge and belief of Secured Creditor, the equitable title to the Property is vested in Pamela D. Allen or her estate. F&M BANK AND TRUST COMPANY, ATTOR­NEY-IN-FACT FOR PAMELA D. ALLEN Attorney for Attorney-in-Fact Stephen G. Gunby Page, Scrantom, Sprouse, Tucker & Ford, P.C. 1111 Bay Avenue, 3rd Floor Post Office Box 1199 Columbus, Georgia 31902 (706) 324-0251 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE IPL0345552 Jun 10,17,24,Jul 1 2026