STATE OF GEORGIA COUNTY OF NEWTON NOTICE OF SALE UNDER POWER Pursuant to the power of sale contained in the Security Deed executed by MICHAEL GARDNER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FREEDOM MORTGAGE CORPORATION in the original principal amount of $65,800.00 dated November 2, 2007, and recorded in Deed Book 2538, Page 469, Newton County records, said Security Deed being last transferred to U.S. BANK TRUST COMAPNY, NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE ON BEHALF OF AND WITH RESPECT TO AJAX MORTGAGE LOAN TRUST 2023-C, MORTGAGE-BACKED SECURITIES, SERIES 2023-C in Deed Book 4547, Page 590, Newton County records, the undersigned will sell at public outcry to the highest bidder for cash, before the Courthouse door in said County, or at such other place as lawfully designated, within the legal hours of sale, on January 07, 2025, the property in said Security Deed and described as follows: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE 10TH DISTRICT, NEWTON COUNTY, GEORGIA, BEING LOT 11, OAK GROVE SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 6, PAGE 181, NEWTON COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A PART OF THIS DESCRIPTION. SAID PROPERTY BEING KNOWN AS 20 OAK GROVE ACCORDING TO THE PRESENT SYSTEM OF NUMBERING PROPERTY IN NEWTON COUNTY, GEORGIA. THIS BEING THE SAME PROPERTY CONVYED TO CATHERINE G. JENKINS BY ADMINISTRATORS DEED DATED 12/11/2006 AND RECORDED IN DEED BOOK 2344, PAGE 287, NEWTON COUNTY, GEORGIA RECORDS. Said property being known as: 20 OAK GROVE RD, COVINGTON, GA 30014 To the best of the undersigned's knowledge, the party or parties in possession of said property is/are MICHAEL GARDNER, CATHERINE JENKINS, or tenant(s). The debt secured by said Security Deed has been and is hereby declared due and payable because of, among other possible events of default, failure to pay the indebtedness as provided for in the Note and said Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property will be sold subject to the following: (1) any outstanding ad valorem taxes (including taxes which are a lien, whether or not yet due and payable); (2) the right of redemption of any taxing authority; (3) any matters which might be disclosed by an accurate survey and inspection of the property; and (4) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. Said sale will be conducted subject to the following: (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 Security Deed. The name, address, and telephone number of the individual or entity who has full authority to negotiate, amend, and modify all terms of the mortgage is as follows: NEWREZ LLC D/B/A Shellpoint Mortgage Servicing 75 Beattie Place, Suite 300 Greenville , SC 29601 866-825-2174 Note that pursuant to O.C.G.A. SS 44-14-162.2, the above individual or entity is not required by law to negotiate, amend, or modify the terms of the mortgage. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, AS INDENTURE TRUSTEE ON BEHALF OF AND WITH RESPECT TO AJAX MORTGAGE LOAN TRUST 2023-C, MORTGAGEBACKED SECURITIES, SERIES 2023-C, as Attorney-in-Fact for MICHAEL GARDNER AND CATHERINE JENKINS Robertson, Anschutz, Schneid, Crane & Partners, PLLC 13010 Morris Rd. Suite 450 Alpharetta, GA 30004 Phone: 470.321.7112 Firm File No. 24-242059 - DoP PUBLIC NOTICE #701474 12/8,15,22,29