SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS on March 16, 2021, Verina Colby and Brenda Colby, As Joint Tenants With Full Rights Of Survivorship And Not As Tenants In Common, executed a Deed of Trust to Timlos, Inc., as Trustee , and Mortgage Electronic Registration Systems, Inc., solely as nominee for Royal United Mortgage LLC, as Beneficiary, which Deed of Trust is on file and of record in the office of the Chancery Clerk of Harrison County, Mississippi, in Deed of Trust Record as Instrument Number 2021-4606-T-J1; and WHEREAS,Mortgage Electronic Registration Systems, Inc., solely as nominee for Royal United Mortgage LLC assigned said Deed of Trust to Servbank via an instrument filed on June 30, 2025 and recorded as Instrument No. 2025- 0013509-T-J1 in the Office of the Chancery Clerk of Harrison County, Mississippi; and WHEREAS, Servbank, SB appointed Padgett Law Group as Substitute Trustee in place of the afore-mentioned original Trustee via an instrument filed on September 2, 2025 and recorded as Instrument No. 2025-0019075-T-J1 in the Office of the Chancery Clerk of Harrison County, Mississippi; and WHEREAS, default has occurred in the payment of the indebtedness secured by said deed(s) of trust, and Servbank, SB, as beneficiary, has authorized and instructed Padgett Law Group as substitute trustee to foreclose said deed(s) of trust by advertisement and sale at public auction in accordance with the statutes made and provided therefor. THEREFORE, notice is hereby given that pursuant to the power of sale contained in said deed(s) of trust and in accordance with the statutes made and provided therefor, the said deed(s) of trust will be foreclosed and the property covered thereby and hereinafter described will be sold at public auction to the highest bidder for cash at the East front door of the Harrison (First Judicial District) County Courthouse in Gulfport, Mississippi, and will sell within legal hours (being between the hours of 11:00 AM and 4:00 PM) on October 29, 2025, to satisfy the indebtedness now due under and secured by said deed(s) of trust. Padgett Law Group will convey only such title as vested in it as Substituted Trustee. The premises to be sold are described as: THE FOLLOWING DESCRIBED LAND AND PROPERTY SITUATED IN THE FIRST JUDICIAL DISTRICT OF HARRISON COUNTY, MISSISSIPPI, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS TO-WIT: THAT CERTAIN TRACT OR PARCEL OF LAND SITUATED IN THE NORTHWEST QUARTER (NW 1/4) OF SECTION 4, TOWNSHIP 7 SOUTH, RANGE 11 WEST, HARRISON COUNTY, MISSISSIPPI, BEING DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHWEST CORNER OF THE ROY CADLE PROPERTY AS DESCRIBED IN THE RECORD OF DEEDS, HARRISON COUNTY, MISSISSIPPI, BOOK 296, PAGES 107 AND 108, THENCE EAST ALONG THE SOUTH MARGIN OF O'NEAL ROAD A DISTANCE OF 284.4 FEET TO AN IRON PIPE BEING THE POINT OF BEGINNING; THENCE EAST ALONG THE SOUTH MARGIN OF O'NEAL ROAD A DISTANCE OF 120 FEET TO AN IRON PIPE SET AT THE NORTHWEST CORNER OF THE G. W. CADLE PROPERTY AS RECORDED IN THE RECORDS OF DEEDS, HARRISON COUNTY, MISSISSIPPI, BOOK 425, PAGE 91, THENCE SOUTH A DISTANCE OF 165 FEET TO AN IRON PIPE, THENCE WEST A DISTANCE OF 120 FEET TO AN IRON PIPE; THENCE NORTH A DISTANCE OF 165 FEET TO AN IRON PIPE BEING THE POINT OF BEGINNING. AND: THAT CERTAIN TRACT OR PARCEL OF LAND SITUATED IN THE NORTHWEST QUARTER (NW 1/4) OF SECTION 4, TOWNSHIP 7 SOUTH, RANGE 11 WEST, HARRISON COUNTY, MISSISSIPPI, BEING DESCRIBED AS FOLLOWS: THAT CERTAIN TRACT OR PARCEL OF LAND SITUATED IN THE NORTHWEST QUARTER (NW 1/4) OF SECTION 4, TOWNSHIP 7 SOUTH, RANGE 11 WEST, HARRISON COUNTY, MISSISSIPPI, BEING DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHWEST CORNER OF THE ROY CADLE PROPERTY AS DESCRIBED IN THE RECORD OF DEEDS, HARRISON COUNTY, MISSISSIPPI, BOOK 296, PAGES 107 AND 108, THENCE EAST ALONG THE SOUTH MARGIN OF O'NEAL ROAD A DISTANCE OF 404.4 FEET TO AN IRON PIPE SET AT THE NORTHWEST CORNER OF PROPERTY NOW OR FORMERLY OWNED BY G. W. CADLE DESCRIBED IN AN INSTRUMENT RECORDED IN THE RECORD OF DEEDS, HARRISON COUNTY, MISSISSIPPI, BOOK 425, PAGE 91, THENCE SOUTH A DISTANCE OF 165 FEET TO AN IRON PIPE AT THE POINT OF BEGINNING; THENCE SOUTH 0 DEGREES 38 MINUTES WEST A DISTANCE OF 116.19 FEET; THENCE SOUTH 89 DEGREES 53 MINUTES WEST A DISTANCE OF 120 FEET; THENCE NORTH O DEGREES 38 MINUTES WEST 116.19 FEET TO AN IRON PIPE AND THENCE IN AN EASTWARD DIRECTION 120 FEET TO THE POINT OF BEGINNING. PARCEL: 0808D-02-008.000 Suite 1177 BEING THE SAME PROPERTY CONVEYED TO V. MARGARET COLBY AND BRENDA COLBY, AS JOINT TENANTS WITH FULL RIGHTS OF SURVIVORSHIP AND NOT AS TENANTS IN COMMON BY DEED FROM V. MARGARET COLBY, A WIDOW RECORDED 11/05/2013 IN DEED INSTRUMENT 20138248, IN THE OFFICE OF THE CHANCERY CLERK OF HARRISON COUNTY, MISSISSIPPI. The successful bidder must tender full funds at the conclusion of the sale in the form of a certified check made payable or endorsed to Padgett Law Group. No personal checks will be accepted. To this end you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded. Padgett Law Group reserves the right to award the bid to the next highest bidders should the highest bidder fail to timely tender the total amount due. September 12, 2025 Padgett Law Group Substituted Trustee 415 North McKinley, Suite 1177 Little Rock, Arkansas 72205 Phone: (850) 422-2520 Duly authorized to act in the premises by instrument recorded on a 09/02/2025, as Instrument Number 20250019075; of the records of the aforesaid county and state. IPL0275305 Oct 1,8,15,22 2025