SUBSTITUTE TRUSTEE'S NOTICE OF SALE WHEREAS, on February 18, 2015, Charisse Chappel Gordon executed a deed of trust for the benefit of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Hope Federal Credit Union, its successors and assigns, which deed of trust was recorded on February 23, 2015, as Instrument No. 2015-610-T-J2, in the office of the Chancery Clerk of the Second Judicial District of Harrison County, Mississippi; Said Deed of Trust was last sold, assigned and transferred to Hope Federal Credit Union by assignment recorded as Instrument No. 2025-0005494-T-J2 in the office of the Chancery Clerk of Harrison County, Mississippi. WHEREAS, the holder of the deed of trust at the time of the substitution substituted McCalla Raymer Leibert Pierce, LLP as Trustee, as authorized by the terms thereof, by instrument recorded August 15, 2025 and spread at large upon the records in the office of the aforesaid Chancery Clerk as Instrument No. 2025-0005663-T-J2 prior to the posting and publication of this notice; and WHEREAS, default having been made in the terms and conditions of the deed of trust, and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of the deed of trust, and the legal holder of said indebtedness, Hope Federal Credit Union, has requested the undersigned Substitute Trustee to execute the trust and sell said land, property and improvements in accordance with the terms of the deed of trust for the purpose of raising the sums due thereunder, together with attorney's fees, Substitute Trustee's fees and expenses of sale; THEREFORE, on April 15, 2026, the undersigned Substitute Trustee in the deed of trust, will offer for sale at public outcry and sell to the highest bidder for cash, within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.) the South front door of the Harrison County Courthouse (2nd Judicial District) in Biloxi, Mississippi, the following described land, property and improvements lying and being situate in Harrison County, Mississippi, to-wit: Unit No. 1408, The Ocean Club-Baymont Tower, Phase one (1), according to the Declaration of Condominium, as amended, and plat thereof as appears of record, in the office of the Chancery Clerk of the Second Judicial District of Harrison County, Mississippi, in Plat Book 24 at Page 21 thereof, together with an undivided 0.8081% interest in the Common Elements of The Ocean Club-Baymont Tower and the exclusive use of the Parking Space No. 1408. This being a portion of the same property conveyed by Special Warranty Deed, recorded as Instrument Number 2004-670-D-J2, in the office of the Chancery Clerk of the Second Judicial District of Harrison County, Mississippi. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, all outstanding liens for public utilities which constitute liens upon the property, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, easements, rights-of-way, zoning ordinances, restrictions, special assessments, covenants, and any matters of record including, but not limited to, those superior to said Deed of Trust first set out above. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. The successful bidder must present certified funds in the amount of the winning bid at the time of sale, as well as timely comply with FinCEN data submission and certification requirements. ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (Rule), found at 89 FR 70258, will go into effect. The Rule applies to certain residential real estate sale transactions, including nonjudicial foreclosures, where the transfer is to a legal entity or trust, and the source of funds is non-financed (which includes cash, certified funds, private financing, or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicious Activity Report requirement.) As part of this Rule, purchasers are required to provide additional information and documentation about themselves, their legal entities, and the source of funds used in the reportable transaction. The collection of this information and documentation by the Substitute Trustee is required to comply with the Rule's reporting requirements. To submit and certify the required information, review informative resources/guides, or to certify an exemption please visit https://fincen.foreclosurehotline.net/. Note that a data submission or exemption form provided by an auctioneer may not be complete. If incomplete it will require further data/certification collection by the Substitute Trustee. Please submit and certify the required information or certify an exemption at the time of sale and no later than one (1) business day after the sale. If you have questions about the Rule or its applicability to you, please seek the advice of your own independent legal counsel, as the Substitute Trustee cannot give you legal advice. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust, and (3) to confirmation that the successful bidder has timely provided to the Substitute Trustee all information required by the Rule, 89 FR 70258. The Substitute Trustee, on behalf of the holder of the Deed of Trust, reserves the right to rescind the foreclosure sale at its own discretion. I WILL CONVEY only such title as is vested in the Substitute Trustee. WITNESS MY SIGNATURE, this the 22nd day of March, 2026 McCalla Raymer Leibert Pierce, LLP Substitute Trustee 251 Trace Colony Park Drive Suite A, Ridgeland, MS 39157 (662) 388-5464 Foreclosurehotline.net File No.: 25-04247MS PUBLISH: 03/25/2026,04/01/2026,04/08/2026 25-04247MS IPL0324835 Mar 25,Apr 1,8 2026