SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE File: MS22813 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 bene- fit 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-record ed on May 10, 2022, as Document Number 202210084, in Book 3905, at Page 284-295. 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, Penny- Mac Loan Services, LLC, the legal holder of said indebtedness, having request- ed the undersigned Substitute Trustee in said deed of trust, will on September 23, 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 Circuit Court Building in Pascagoula, 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 adminis- tered by the Financial Crimes Enforcement Network ("FinCEN"), a bureau of the U.S. Department of the Treasury, requires certain residential real estate transac- tions 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. 1107 Highland Colony Pkwy, Suite 207 Ridgeland, MS 39157 (801) 355-2886 Publication dates: July 29, 2026, August 26, 2026, September 2, 2026, Septem- ber 9, 2026, September 16, 2026 IPL0358900 Jul 29,Aug 26,Sep 2,9,16 2026