PUBLICATION DATES: March 18, 2026, April 8, 2026, April 15, 2026, April 22, 2026, April 29, 2026 NEWSPAPER: The Sun Herald File: MS22813 SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS, on March 30, 2022, Falencia S. Jones, a single person executed a certain Deed of Trust to Terry L. Caves, Trustee for the use and benefit of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for The First Bank, its successors and assigns which Deed of Trust is of record in the office of the Chancery Clerk of Jackson County, Mississippi, on April 4, 2022, in Book 3894, Page 810-824, as Document Number 202207253 and re-recorded on May 10, 2022, in Book 3905, at Page 284-295, as Document Number 202210084. WHEREAS, PennyMac Loan Services, LLC, the current holder and/or assignee, substituted Halliday, Watkins & Mann, P.C. as Trustee by instrument recorded in the Chancery Clerk's Office on March 10, 2026 in Book 4225, in Page 773-774, as Document Number 202604652; 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, PennyMac Loan Services, LLC, the legal holder of said indebtedness, having requested the undersigned Substitute Trustee in said deed of trust, will on May 6, 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 35, College Park South Subdivision, a subdivision, according to a map or plat thereof which is on file of record in the Office of the Chancery Clerk of Jackson County, MS, in Plat Book 13, at Page 17, reference to which is hereby made in aid of and as a part of this description. More commonly known as: 2207 Chestwood Dr, Gautier, MS 39553 I will convey only such title as vested in me as Substituted Trustee. Important Notice to Potential Bidders: Federal law administered by the Financial Crimes Enforcement Network ("FinCEN"), a bureau of the U.S. Department of the Treasury, requires certain residential real estate transactions to be reported to the federal government. If you are the winning bidder at auction, you may be required to provide identifying information about yourself and, if applicable, any entity or trust purchasing the property. This information is required by federal law and must be provided to complete the sale. Failure to provide required information after the sale may delay or prevent issuance of the foreclosure deed. Halliday Watkins & Mann, P.C. Substitute Trustee Halliday, Watkins & Mann, P.C. 244 Inverness Center Drive, Suite 200 Birmingham, AL 35242 (801) 355-2886 Publication dates: March 18, 2026, April 8, 2026, April 15, 2026, April 22, 2026, April 29, 2026