NOTICE OF SALE GEORGIA, EFFINGHAM COUNTY By virtue of a power of sale contained in that certain Deed to Secure Debt from KATHLEEN M. JOYNER to RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA dated May 22, 2008 and recorded in Deed Book 1757, Page 423 et seq., and re-recorded in Deed Book 1759 Page 107, et seq., Effingham County Deed Records, as then assigned by Assignment dated February 18, 2011 and recorded in Deed Book 2035, Page 28, et seq., Effingham County Deed Records, modified by that certain Modification of Security Deed, dated July 16, 2019, and recorded in Deed Book 2536, Page 774 et seq., Effingham County Deed Records, said Deed to Secure Debt having originally been given to secure that certain Note in the original principal amount of SEVENTY-EIGHT THOUSAND FOUR HUNDRED NINETY EIGHT and 15/100 DOLLARS ($78,498.15) of even date therewith, as well as all extensions, renewals and modifications thereof, together with any and all other indebtedness, of any type or description, then or thereafter owing by KATHLEEN M. JOYNER to RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA, there will be sold by the undersigned, at public outcry, to the highest bidder for cash, before the courthouse door at Springfield, Effingham County, Georgia, within the legal hours of sale on the first Tuesday in September 2025, the following described property: ALL that certain tract or parcel of land situate, lying and being in the 12th G.M. District of Effingham County, Georgia, containing Seven and Twenty-Four Hundredths (7.24) acres, more or less, and being known and designated as Parcel 1 as shown on the plat thereof hereinafter referred to. Said parcel of land being bounded on the Northeast by Parcel 2; on the Southeast by lands of Robert R. Parsons; on the Southwest by the Old Dixie Highway known as County Road No. 33 and by lands of Alton Malphus, and on the West by lands of E. A. DeWitt, Jr. Express reference is hereby made to a plat of said lands made by Warren E. Poythress, R.L.S. #1953, dated May 3, 1993 and recorded in the Office of the Clerk of the Superior Court of Effingham County, Georgia, in Plat Cabinet "A", Slide 216-F, for better determining the metes and bounds of said lands herein conveyed. SUBJECT, HOWEVER, to a sixty-foot (60') foot wide road and utility easement hereby reserved unto Walton J. Usher, Joyce J. Jenkins, Judy J. Fultz, and Virginia J. Pevey, their heirs and assigns, which runs across the Westerly boundary line of said lands as shown on said plat above referred to. Said sixty-foot (60') wide road and utility easement being non-exclusive and being for the purpose of egress and ingress over and across said sixty-foot (60') wide parcel of land. This being the same property conveyed by warranty deed from Walton J. Usher, et al to Charles D. Joyner dated May 10, 1993 and recorded in said Clerk's Office in Deed Book 332, Page 126. ALSO, this being the same property awarded to Kathleen M. Joyner by the Certificate of Order of Year's Support from the Effingham County Probate Court on Charles D. Joyner, Sr.'s estate, dated October 3, 2007 and recorded in Deed Book 1681, Page 356. LESS AND EXCEPT, Two and One Half (2.50) acres of said lands conveyed by deed from Kathleen M. Joyner to Nicole J. Tanner dated May 9, 2008 and recorded in said Clerk's Office in Deed Book 1753, Page 284. ALSO, a 2009 Scott Built Heritage Manufactured Home, Serial # SBHGA1200803484AB. THE STREET ADDRESS OF THE ABOVE-DESCRIBED PROPERTY IS 5076 OLD DIXIE S , SPRINGFIELD, HENRY COUNTY, GEORGIA, TO THE BEST OF THE KNOWLEDGE AND BELIEF OF RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA. The indebtedness secured by the aforementioned Deed to Secure Debt has been and is hereby declared immediately due and payable in full because of the failure of KATHLEEN M. JOYNER to maintain payments upon said indebtedness owing to the RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA, in accordance with its terms. Said indebtedness remaining in default, this sale shall be made for the purpose of paying such indebtedness, as well as all expenses of this sale, including attorneys' fees. The above-described real property will be sold as the property of KATHLEEN M. JOYNER and will be sold subject to the following items which may affect the title to said property: all zoning and subdivision ordinances and/or regulations; matters which would be disclosed by an accurate survey or an inspection of the property; all real property ad valorem taxes or assessments, which may constitute liens upon said property; all liens which, under applicable law, would take priority over the Deed to Secure Debt described above; and all easements, restrictions, rights-of-way, Deed to Secure Debts or other encumbrances of record which have priority over the referenced Deed to Secure Debt. To the best of the knowledge and belief of the undersigned, the party presently in possession of said property is KATHLEEN M. JOYNER and/or a tenant or tenants. Please be further advised that the entity which has full authority to negotiate, amend and modify all terms of the Note, Deed to Secure Debt, and related documents, is: RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA 104 Heritage Lane Leesburg, GA 31763 Telephone: (229) 878-2008 ATTN: Joey Shiver Please note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of such loan. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA, as Attorney-in-Fact for KATHLEEN M. JOYNER MOORE, CLARKE, DuVALL & RODGERS, P.C. By: D. BRADLEY FOLSOM Attorneys for RENASANT BANK, AS SUCCESSOR BY COPORATE MERGER WITH HERITAGEBANK OF THE SOUTH AS ASIGNEE OF FEDERAL DEPOSIT INSURANCE CORPORATION, AS RECEIVER OF CITIZENS BANK OF EFFINGHAM, SPRINGFIELD GEORGIA Post Office Box 4540 Valdosta, Georgia 31604-4540 (229) 245-7823 PUBLICATION DATES: August 6th, 13th, 20th, and 27th 22298 8/27/25 RL