File: MS22351 SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS, on February 9, 2007, George J. McKay, An Unmarried Man executed a certain Deed of Trust to Danny Welch, Attorney at Law, Trustee for the use and benefit of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Countrywide Home Loans, Inc. its successors and assigns which Deed of Trust is of record in the office of the Chancery Clerk of Jackson County, Mississippi, on March 28, 2007, in Book 2560, Page 242-257, as Document Number 200711251 and corrected pursuant to the Affidavit recorded on December 22, 2025, as Document Number 202525116, in Book 4208, at Page 132-132,. WHEREAS, THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR CERTIFICATE HOLDERS OF CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2007-5, the current holder and/or assignee, substituted Halliday, Watkins & Mann, P.C. as Trustee by instrument recorded in the Chancery Clerk's Office on December 19, 2025 in Book 4207, in Page 354-355, as Document Number 20254936; and WHEREAS, Default having been made in the terms and conditions of said deed of trust and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of said deed of trust, THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR CERTIFICATE HOLDERS OF CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2007-5, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on February 3, 2026 offer for sale at public outcry and sell within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.), at the main front door of the County Courthouse of Jackson County in Pascagoula, Mississippi, to the highest and best bidder for cash the following described property situated in Jackson County, Mississippi, to wit: Lot 26, Ocean View Estates, as per file in the office of the Chancery Clerk of Jackson County Mississippi. Said property being the same described in Warranty Deed Dated November 12, 1990, executed by Larry E. Wells and Beverly L. Wells in favor of George J. McKay and wife, Vanessa L. McKay, recorded in Deed Book 967, Page 862 More commonly known as: 4644 Hilltop Dr, Ocean Springs, MS 39564-6014 I will convey only such title as vested in me as Substituted Trustee. Halliday, Watkins, & Mann, P.C. Substituted Trustee Halliday, Watkins & Mann, P.C. 244 Inverness Center Drive, Suite 200 Birmingham, AL 35242 (801) 355-2886 Publication dates: January 7, 2026, January 14, 2026, January 21, 2026, January 28, 2026 IPL0302267 Jan 7,14,21,28 2026