SUBSTITUTED TRUSTEE'S NOTICE OF SALE WHEREAS, on January 3, 2013, Christopher R. Fayard a/k/a Chris Fayard executed a Deed of Trust to J. Patrick Caldwell, Trustee for the benefit of BancorpSouth Bank, now Cadence Bank, which is recorded as Instrument No. 2013 99 T-J2 in the office of the Chancery Clerk of the Second Judicial District of Harrison County, Mississippi; and WHEREAS, Underwood Law Firm PLLC has been substituted as Trustee under the Deed of Trust; and WHEREAS, default has been made in the terms and conditions of the Deed of Trust and the entire debt secured thereby has been declared due and payable in accordance with the terms of the Deed of Trust, and the legal holder of the indebtedness secured thereby, Cadence Bank, has requested the undersigned Substituted Trustee to execute the trust and sell the property in accordance with the terms of the Deed of Trust for the purpose of raising the sums due thereunder together with attorney's fees, Substituted Trustee's fees, and expenses of sale. NOW, THEREFORE, Underwood Law Firm PLLC, as Substituted Trustee under the Deed of Trust, will on August 13, 2025, offer for sale at public outcry to the highest bidder for cash within legal hours (between 11:00 a.m. and 4:00 p.m.) at the south front door of the Harrison County Courthouse (Second Judicial District) in Biloxi, Mississippi, the following described property together with all improvements thereon situated in Harrison County, Mississippi, being the same property described in the Deed of Trust: Lot Forty-Six (46), Shorewood Subdivision, a subdivision according to the official map or plat thereof on file and of record in the office of the Chancery Clerk of the Second Judicial District of Harrison County, Mississippi, in Plat Book 6 at Page 37 thereof, reference to which is hereby made in aid of and as a part of this description. UNDERWOOD LAW FIRM PLLC will convey only such title as is vested in it as Substituted Trustee. WITNESS OUR SIGNATURE, this the 2nd day of July, 2025. /s/ Andrew R. Wilson Andrew R. Wilson (Miss. Bar #102862) Underwood Law Firm PLLC P.O. Box 1874 Madison, MS 39130 Phone: (601) 981-7773 File No. 25060143 PUBLISH: The Sun Herald (07/16/2025, 07/23/2025, 07/30/2025, 08/06/2025) IPL0251494 Jul 16,23,30,Aug 6 2025