SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS, on November 21, 2013, MICHAEL W. CARTER AND ERIN I. CARTER, executed a Deed of Trust to JOY LAMBERT PHILLIPS, as Trustee and, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR HANCOCK BANK, ITS SUCCESSORS AND ASSIGNS, as Beneficiary, which Deed of Trust is on file and of record in the office of the Chancery Clerk of Jackson County, Mississippi, in Book 3180, Page 706, Instrument Number 201320995; having been modified in Loan Modification Agreement recorded on February 12, 2018, in Book 3490, Page 817, Instrument Number 201802249 in the office of the Chancery Clerk of Jackson County, Mississippi; and having been further modified in Loan Modification Agreement recorded on August 30, 2023, in Book 4016, Page 474, Instrument Number 202317476; which Deed of Trust, as modified, has been duly transferred and assigned to NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING by assignment recorded on August 8, 2024, in Book 4088, Page 814, Instrument Number 202414421 in the office of the Chancery Clerk of Jackson County, Mississippi; and WHEREAS, default has occurred in the payment of the indebtedness secured by said deed(s) of trust, as modified, and NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING, as beneficiary, has authorized and instructed Padgett Law Group as substitute trustee to foreclose said deed(s) of trust, as modified, by advertisement and sale at public auction in accordance with the statutes made and provided therefor. THEREFORE, notice is hereby given that pursuant to the power of sale contained in said deed(s) of trust and in accordance with the statutes made and provided therefor, the said deed(s) of trust, as modified, will be foreclosed and the property covered thereby and hereinafter described will be sold at public auction to the highest bidder for cash at the Main Front Door of the Circuit Court Building of Jackson County located at 3104 Magnolia Street, at Pascagoula, Mississippi, and will sell within legal hours (being between the hours of 11:00 AM and 4:00 PM) on September 11, 2026, to satisfy the indebtedness now due under and secured by said deed(s) of trust, as modified. Padgett Law Group will convey only such title as vested in it as Substituted Trustee. The premises to be sold are described as: THIS TRACT, PIECE OR PARCEL OF LAND BEING SITUATED IN SECTION 29, TOWNSHIP 5 SOUTH, RANGE 5 WEST, JACKSON COUNTY, MISSISSIPPI, BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS TO-WIT: COMMENCING AT THE SOUTHEAST CORNER OF THE SOUTHWEST 1/4 OF THE SOUTHEAST 1/4 OF SECTION 29, T-5-S, R-5-W, JACKSON COUNTY, MISSISSIPPI, SAID POINT BEING THE POINT OF COMMENCEMENT; THENCE N 0 DEGREES 03 MINUTES 27 SECONDS E, A DISTANCE OF 1029.15 FEET TO THE POINT OF BEGINNING; THENCE N 63 DEGREES 22 MINUTES 19 SECONDS W, A DISTANCE OF 216.09 FEET; THENCE N 2 DEGREES 43 MINUTES 32 SECONDS W; A DISTANCE OF 5.81 FEET; THENCE S 87 DEGREES 14 MINUTES 54 SECONDS W, A DISTANCE OF 34.43 FEET; THENCE N 89 DEGREES 52 MINUTES 19 SECONDS W, A DISTANCE OF 69.08 FEET; THENCE N 0 DEGREES 03 MINUTES 27 SECONDS E, A DISTANCE OF 262.70 FEET; THENCE S 89 DEGREES 52 MINUTES 19 SECONDS E, A DISTANCE OF 318.42 FEET; THENCE S 0 DEGREES 03 MINUTES 27 SECONDS W, A DISTANCE OF 291.24 FEET TO THE POINT OF BEGINNING, SAID DESCRIBED TRACT CONTAINING 2.0 ACRES, MORE OR LESS. AND ALSO THE FOLLOWING INGRESS & EGRESS EASEMENT: COMMENCING AT THE SOUTHEAST CORNER OF THE SOUTHWEST 1/4 OF THE SOUTHEAST 1/4 OF SECTION 29, T-5-S, R-5-W, JACKSON COUNTY, MISSISSIPPI, SAID POINT BEING ON THE NORTH MARGIN OF GRAFE HOMESTEAD ROAD AND THE POINT OF BEGINNING; THENCE N 0 DEGREES 03 MINUTES 27 SECONDS E, A DISTANCE OF 1029.15 FEET; THENCE N 83 DEGREES 22 MINUTES 19 SECONDS W, A DISTANCE OF 15.10 FEET; THENCE S 0 DEGREES 03 MINUTES 27 SECONDS W, A DISTANCE OF 1030.87 FEET TO SAID NORTH MARGIN; THENCE S 89 DEGREES 56 MINUTES 33 SECONDS EAST, A DISTANCE OF 15.00 FEET ALONG SAID NORTH MARGIN TO THE POINT OF BEGINNING. SAID DESCRIBED TRACT CONTAINING 0.35 ACRES, MORE OR LESS. The successful bidder must tender full funds at the conclusion of the sale in the form of a certified check made payable or endorsed to Padgett Law Group. No personal checks will be accepted. To this end you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded. Padgett Law Group reserves the right to award the bid to the next highest bidders should the highest bidder fail to timely tender the total amount due. /s/ Jana Nye Manlove Padgett Law Group August 11, 2026 Substituted Trustee 5100 Poplar Avenue, Ste 2208 Memphis, TN Phone: (850) 422-2520 Duly authorized to act in the premises by instrument recorded on 08/10/2026, in Book 4269, Page 257, Instrument Number 202616810; of the records of the aforesaid county and state. Sun Herald - MS 08/16/2026, 08/23/2026, 08/30/2026, and 09/06/2026 IPL0365685 Aug 16,23,30,Sep 6 2026