SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE File: MS24024 WHEREAS, on May 28, 2021, Rondella Rivard and Ronald R. Rivard, Right of Survivorship, executed a certain Deed of Trust to Pilger Title Co, Trustee for the use and benefit of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Cardinal Financial Company, Limited Partnership, its successors and assigns, which Deed of Trust is on file and of record in the Office of the Chancery Clerk of Jackson County, Mississippi, on June 9, 2021 in Deed of Trust Book 3797, Page 778-794, as Document Number 202114847, and modified pursuant to modification recorded October 12, 2022 in Book 3946, Page 81-88, as Document Number 202223188, and modified pursuant to modification recorded January 31, 2024 in Book 4047, Page 100-107, as Document Number 202401708, and modified pursuant to modification recorded September 24, 2024 in Book 4099, Page 211-219, as Document Number 202417820, and modified pursuant to modification recorded September 10, 2025 in Book 4182, Page 308-316, as Document Number 202518260. 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 October 13, 2026 in Book 4285, in Page 541-542, as Document Number 202621720; 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 December 21, 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 14, Block 3, Gulfpark Estates Subdivision, Unit 1-B, 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 Book 3, at Page 54, reference to which is hereby made in aid of and as a part of this description. More commonly known as: 3117 Beachview Dr, Ocean Springs, MS 39564 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. 1107 Highland Colony Pkwy, Suite 207 Ridgeland, MS 39157 (801) 355-2886 Publication dates: October 21, 2026, November 25, 2026, December 2, 2026, December 9, 2026, December 16, 2026 IPL0381963 Oct 21,Nov 25,Dec 2,9,16 2026