File: MS22425 SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS, on November 7, 2023, Tuan Duong AKA Tuan Anh Duong and Phuong Dung Thi Nguyen, Husband and Wife executed a certain Deed of Trust to Denise Mclaurin, Trustee for the use and benefit of Regions Bank which Deed of Trust is of record in the office of the Chancery Clerk of Harrison County, Mississippi, on November 29, 2023, as Document Number 2023-0006855-T-J2. WHEREAS, Regions Bank, 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 29, 2025, as Document Number 2025-0008764-T-J2; 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, Regions Bank, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on February 11, 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 Harrison County in Biloxi, Mississippi, to the highest and best bidder for cash the following described property situated in Harrison County, Mississippi, to wit: Lot 99, Palm Ridge Estates. Phase II, as per 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 More commonly known as: 17034 Washingtonia Ln, Diberville, MS 39540 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 14, 2026, January 21, 2026, January 28, 2026, February 4, 2026 IPL0304900 Jan 14,21,28,Feb 4 2026