NOTICE OF SUBSTITUTE TRUSTEE'S SALE STATE OF MISSISSIPPI COUNTY OF 1ST DISTRICT HARRISON WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated May 7, 2019, executed by KAYLA A MORANO conveying certain real property therein described to TERRY L CAVES, as Trustee, for MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS BENEFICIARY, AS NOMINEE FOR THE FIRST- A NATIONAL BANKING ASSOCIATION, Original Beneficiary, to secure the indebtedness therein described, as same appears of record in the Office of the Chancery Clerk of 1st District Harrison County, Mississippi filed and recorded May 9, 2019, at Instrument Number 2019 3793 T-J1; and WHEREAS, the beneficial interest of said Deed of Trust was transferred and assigned to CITIZENS BANK NA f/k/a RBS CITIZENS NA; and WHEREAS, Rubin Lublin, LLC has been appointed as Substitute Trustee; and NOW, THEREFORE, the holder of said Deed of Trust, having requested the undersigned so to do, as Substitute Trustee or his duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee shall, on March 18, 2026 within the lawful hours of sale between 11:00AM and 4:00PM at the East Front Door of the Harrison County Courthouse (1st Judicial District), 1801 23rd Avenue, Gulfport, MS 39501 proceed to sell at public outcry to the highest and best bidder for cash or certified funds ONLY, the following described property situated in 1st District Harrison County, Mississippi, to wit: LOT TWO (2), BLOCK FORTY-FIVE (45), GULFPORT BAYOU VIEW SUBDIVISION, A SUBDIVISION ACCORDING TO THE OFFICIAL MAP OR PLAT THERE OF ON FILE AND OF RECORD IN THE OFFICE OF THE CHANCERY CLERK OF THE FIRST JUDICIAL DISTRICT OF HARRISON COUNTY, MISSISSIPPI, IN PLAT BOOK 17 AT PAGE 9 THEREOF, REFERENCE TO WHICH IS HEREBY MADE IN AID OF AND AS A PART OF THIS DESCRIPTION. PROPERTY ADDRESS: The street address of the property is believed to be 33 37TH ST, GULFPORT, MS 39507. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. Title to the above described property is believed to be good, but I will convey only such title as is vested in me as Substitute Trustee. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Rubin Lublin, LLC 3145 Avalon Ridge Place, Suite 100 Peachtree Corners, GA 30071 rlselaw.com/property-listing Tel: (877) 813-0992 Fax: (470) 508-9401 PUBLISH: 02/18/2026, 02/25/2026, 03/04/2026, 03/11/2026 . IPL0314380 Feb 18,25,Mar 4,11 2026