NOTICE OF SALE UNDER POWER GEORGIA, MUSCOGEE COUNTY Under and by virtue of the Power of Sale contained in a Security Deed given by Erica L Brooks to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for RUOFF MORTGAGE COMPANY, INC., its successors and assigns dated January 12, 2022, recorded in Deed Book 13717, Page 343, Muscogee County, Georgia Records, as last transferred to M&T Bank by assignment recorded in Deed Book 14979, Page 488, Muscogee County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWENTY THOUSAND NINE HUNDRED TWENTY-FOUR AND 00/100 DOLLARS ($220,924.00), 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 November, 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 and payable because of default having been made of the terms of the Note and Security Deed. The terms remaining in default, this sale will be made for the purpose of paying the total debt, including all expenses of this sale, as provided in the Security Deed and by law which includes, but is not limited to, 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. Prospective bidders must perform their own due diligence. M&T Bank 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: M&T Bank, One Fountain Plaza, Buffalo, NY 14203, 800-724-1633. Note, however, that such entity is not required by law to negotiate, amend or modify the terms of the loan. Upon information and belief, said property is more commonly known as 3620 Forrest Rd, Columbus, GA 31907. Should a conflict arise between the property address and the legal description, the legal description shall control. ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (the "Rule"), found at 89 FR 70258, went into effect. The Rule applies to certain residential real estate sale transactions (including some that go beyond the typical one-to-four family residence) where the transfer is to a legal entity or trust, and which includes cash purchases, private financing or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicion Activity Report requirement. If applicable, as part of this Rule, buyers and sellers are required to provide additional information and documentation about themselves, their legal entities, and/or the source of funds used in the reportable transaction. The collection of this information and documentation is required to comply with the Rule's federal reporting requirements, if applicable.* This notice is provided for informational purposes only and does not constitute legal advice. You are encouraged to consult with your own independent legal counsel if you have questions about how the FinCEN Anti-Money Laundering Rule affects your transaction and whether your transaction is reportable. *The Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed, and (3) to confirmation that the successful bidder has timely provided all information required for reporting under the Rule, 89 FR 70258, if applicable. M&T Bank as Attorney in Fact for Erica L Brooks 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 Land Lot 115 of the Coweta Reserve of Muscogee County, Georgia, and being known and designated as PART OF LOT NO. 1, in BLOCK LETTERED "A", of ALTA VISTA SUBDIVISION, a map or plat of said Subdivision recorded in Deed Book 60, at Page 559, in the Office of the Clerk of the Superior Court of Muscogee County, Georgia, and being more particularly described as follows: START at an iron stake on the southerly line of Forest Road at the western end of an arc of a 25 foot radius forming the southwest corner of the intersection of Forest Road with Alta Vista Drive; thence running in a westerly direction along the southerly line of Forest Road, a distance of 243 feet to the dividing line between Lot 1 and Lot 2, Block "A", of Alta Vista Subdivision as shown on said map of said subdivision; thence running in a westerly direction along the southerly line of Forest Road, a distance of 32 feet to an iron state which is the POINT of BEGINNING; thence running south 00 degrees 30 minutes east, a distance of 240 feet to an iron stake; thence running north 89 degrees 15 minutes west, a distance of 90 feet to an iron stake; thence running north 00 degrees 30 minutes west, a distance of 240 feet to a nail in an 18 inch Water Oak; thence running south 89 degrees 15 minutes east along the southerly line of Forest Road, a distance of 90 feet to the Point of Beginning. A map or plat of the above-described property is recorded in the Plat Book 9, Page 13, in the Office of the Clerk of the Superior Court of Muscogee County, Georgia. This conveyance is made subject to all valid and enforceable restrictive covenants and easements of record applicable thereto. KR November 3, 2026 Our file no. 26-24176GA IPL0376621 Oct 7,14,21,28 2026