IN RE: THE ESTATE OF JO HARRIET SCARBOROUGH, Deceased. NOTICE TO CREDITORS The administration of the estate of JO HARRIET SCARBOROUGH, deceased, who died on January 12th, 2026, is pending in the Circuit Court for Okaloosa County, Florida, Probate Division; File Number: 26-CP-79, the address of which is 101 James Lee Blvd East, Crestview, FL 32536. 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, who have claims or demands against decedent's estate, including unmatured, contingent or unliquidated claims, and who have been served a copy of this notice, must file their claims with this court WITHIN THE LATER OF THREE (3) MONTHS AFTER THE DATE OF THE FIRST PUBLICATION OF THIS NOTICE OR THIRTY (30) DAYS AFTER THE DATE OF SERVICE OF A COPY OF THIS NOTICE ON THEM. All other creditors of the decedent and other persons who have claims or demands against the decedent's estate, including unmatured, contingent or unliquidated claims, must file their claims with this court WITHIN THREE (3) MONTHS AFTER THE DATE OF THE FIRST PUBLICATION OF THIS NOTICE. ALL CLAIMS NOT SO FILED 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 DATE OF FIRST PUBLICATION OF THIS NOTICE IS FEBRUARY 11, 2026. Attorney for Personal Representative: Tony Simpson P.O. Box 287 Shalimar, FL 32579 Florida Bar No.: 0550434 (850) 651-4529 Fax: (850) 651-2329 Tony@TSimpsonLaw.com Personal Representative: PENNY HIGGINS 545 Sandy Springs Rd Maryville, TN 37803 Pub: Feb. 11 & 18, 2026 #12065811