NOTICE OF SALE UNDER POWER STATE OF GEORGIA, COUNTY OF NEWTON By virtue of a Power of Sale contained in that certain Security Deed, from Covington Creek Holding, LLC, to Mortgage Electronic Registration Systems, Inc., as nominee for Churchill Funding 1 LLC, its successors and assigns, dated November 26, 2024, and recorded on December 11, 2024, in Deed Book 4683, at Page 8, in the Office of the Clerk of Superior Court of Newton County, Georgia, said Security Deed having been given to secure a Note of even date, in the original principal amount of Two Hundred Sixty-Seven Thousand and no/100 Dollars ($267,000.00), with interest thereon as provided therein, as last transferred to Citibank, N.A., not in its individual capacity, but solely as Owner Trustee of Santander Mortgage Asset Receivable Trust 2025-NQM2, recorded in Deed Book 4769, at Page 710, in aforesaid records, will be sold at public outcry to the highest bidder for cash before the courthouse door of Newton County, Georgia, or at such place as has been or may be lawfully designated as an alternative location, within the legal hours of sale on the first Tuesday in July, 2026, all property described in said Security Deed including, but not limited to, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 198 AND 197 OF THE 10TH DISTRICT, NEWTON COUNTY, GEORGIA, BEING LOT 24 OF COVINGTON CREEK SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK 56, PAGE 31, NEWTON COUNTY, GEORGIA RECORDS, SAID PLAT BEING INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. Said property may more commonly be known as 4021 Jordan Blvd, Covington, GA 30016. 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 Wilmington Savings Fund Society, FSB, not in its individual capacity but solely as Owner Trustee of OBX 2025-NQM4 Trust, 75 Beattie Place, Greenville, SC 29601; telephone: (800) 365- 7107. 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 Security Deed. To the best of the knowledge and belief of the undersigned, the owners and party in possession of the property are Covington Creek Holding, LLC 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, 2) final confirmation and audit of the status of the loan with the holder of the Security Deed, and 3) any legal impediments to the undertaking and completion of sale. The Financial Crimes Enforcement Network ("FinCEN"), a bureau of the U.S. Department of Treasury, now requires the collection, certification and reporting of certain information relating to non-financed transfers of real property to legal entities and/or trusts, which such information the successful bidder(s) shall be expected to provide to the auctioneer at the time of the subject sale. Interested bidders with questions regarding the necessary information to be provided are hereby directed, generally, to FinCEN's website and, more specifically to the FinCEN Real Estate Report located in the forms bank thereof. Wilmington Savings Fund Society, FSB, not in its individual capacity but solely as Owner Trustee of OBX 2025-NQM4 Trust, as Attorney-in-Fact for Covington Creek Holding, LLC Contact: PADGETT LAW GROUP: 6267 Old Water Oak Road, Suite 203, Tallahassee, FL 32312; (850) 422-2520 25-008901 PUBLIC NOTICE #704146 5/17,24,31,6/7,14,21,28,7/5