SUBSTITUTE TRUSTEE'S NOTICE OF FORECLOSURE SALE WHEREAS, on July 10, 2015, CASSANDRA MONTGOMERY, executed a Deed of Trust to TODD STIVERSON, as Trustee and, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR NEW PENN FINANCIAL, LLC, 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 3293, Page 78, Instrument Number 201510888; which Deed of Trust has been duly transferred and assigned to NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING, by assignment recorded on November 4, 2020, in Book 3722, Page 564, as Instrument Number 202024154 in the office of the Chancery Clerk of Jackson County, Mississippi; and having been modified in Loan Modification Agreement recorded on June 2, 2023, in Book 3996, at Page 341, as Instrument Number 202310451 in the office of the Chancery Clerk of Jackson County, Mississippi; and having been modified again in Loan Modification Agreement recorded on March 22, 2024, in Book 4057, at Page 426, as Instrument Number 202405062 in the office of the Chancery Clerk of Jackson County, Mississippi; and having been modified again in Loan Modification Agreement recorded on August 27, 2025, in Book 4178, at Page 415, as Instrument Number 202517165 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, 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 November 23, 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: LOT 133, RIVERWOOD SUBDIVISION, FOURTH ADDITION, AS PER PLAT THEREOF RECORDED IN PLAT BOOK 12, PAGE 28, RECORD OF OFFICIAL PLATS ON FILE IN THE OFFICE OF THE CHANCERY CLERK OF JACKSON COUNTY, MISSISSIPPI. BEING THE SAME PROPERTY AS CONVEYED IN DEED BOOK 795, PAGE 245, LAND DEED RECORDS OF JACKSON COUNTY, MISSISSIPPI. 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 October 6, 2026 Padgett Law Group Substituted Trustee 5100 Poplar Avenue, Ste 2208 Memphis, TN Phone: (850) 422-2520 Duly authorized to act in the premises by instrument recorded on 10/06/2026, in Book 4284, at Page 189, as Instrument Number 202621308; of the records of the aforesaid county and state. Sun Herald – MS 10/28/2026, 11/04/2026, 11/11/2026, and 11/18/2026 IPL0382564 Oct 28,Nov 4,11,18 2026