IN THE CIRCUIT COURT FOR Bay COUNTY, FLORIDA PROBATE DIVISION File No. 2026-000023-CP IN RE: Estate of Michael Hayward Gandy NOTICE TO CREDITORS The administration of the estate of Michael Hayward Gandy, deceased, whose date of death was October 19, 2025, is pending in the Circuit Court for Bay, Florida, Probate Division, the address of which is 300 East 4th Street, Panama City, FL 32401. The names and addresses of the personal representative and the personal representative's attorney are set forth below. All creditors of the decedent and other persons having claims or demands against decedent's estate on whom a copy of this notice is required to be served must file their claims with this court ON OR BEFORE THE LATER OF 3 MONTHS AFTER THE TIME OF THE FIRST PUBLICATION OF THIS NOTICE OR 30 DAYS AFTER THE DATE OF SERVICE OF A COPY OF THIS NOTICE ON THEM. All other creditors of the decedent and other persons having claims or demands against decedent's estate must file their claims with this court WITHIN 3 MONTHS AFTER THE DATE OF THE FIRST PUBLICATION OF THIS NOTICE. ALL CLAIMS NOT FILED WITHIN THE TIME PERIODS SET FORTH IN FLORIDA STATUTES 733.702 WILL BE FOREVER BARRED. NOTWITHSTANDING THE TIME PERIODS SET FORTH ABOVE, ANY CLAIM FILED TWO (2) YEARS OR MORE AFTER THE DECEDENT'S DATE OF DEATH IS BARRED. The personal representative or curator has no duty to discover whether any property held at the time of the decedent's death by the decedent or the decedent's surviving spouse is property to which the Florida Community Property Rights at Death Act as described in ss. 732.216-732.228 applies, or may apply, unless a written demand is made by a creditor or a beneficiary as specified under s. 732.2211. The written demand must be filed with the clerk. The date of first publication of this notice is January 14, 2026. Attorney for Personal Representative: C. Jason White, Esq. Florida Bar Number: 0357080 WHITE & WARREN PA 516 McKenzie Ave. PANAMA CITY, FL 32401 Telephone: (850) 784-0809 Fax: (850) 784-0806 E-Mail: jason@whitewarrenlaw.com Secondary E-Mail: janel@whitewarrenlaw.com Personal Representative: Tina L. Coiner 7213 East 10th St. Panama City, Florida 32404 January 14, 21 2026 LSAR0439087