SUBSTITUTE TRUSTEE'S NOTICE OF SALE     WHEREAS, on June 23, 2014, Sidney Neal Jr. and Cerissa R Neal. executed a deed of trust for the benefit of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for CMG Mortgage, Inc. DBA CMG Financial, which deed of trust was recorded on July 10, 2014, as Instrument No. 735480, in Book 3103, Page 819, in the office of the Chancery Clerk of Madison County, Mississippi; Said Deed of Trust was last sold, assigned and transferred to UMB Bank, National Association, not in its individual capacity, but solely as legal Title Trustee for PRL Title Trust I by assignment recorded in Book 4359, Page 86 as Instrument No. 987192 in the office of the Chancery Clerk of Madison County, Mississippi.   WHEREAS, the holder of the deed of trust at the time of the substitution substituted McCalla Raymer Leibert Pierce, LLP as Trustee, as authorized by the terms thereof, by instrument recorded December 15, 2023 and spread at large upon the records in the office of the aforesaid Chancery Clerk as Instrument No. 996117 in Book 4395, Page 037 prior to the posting and publication of this notice; and   WHEREAS, default having been made in the terms and conditions of the deed of trust, and the entire debt secured thereby having been declared to be due and payable in accordance with the terms of the deed of trust, and the legal holder of said indebtedness, UMB Bank, National Association, not in its individual capacity, but solely as legal title trustee for PRL Title Trust I, has requested the undersigned Substitute Trustee to execute the trust and sell said land, property and improvements in accordance with the terms of the deed of trust for the purpose of raising the sums due thereunder, together with attorney's fees, Substitute Trustee's fees and expenses of sale;   THEREFORE, on April 9, 2026, the undersigned Substitute Trustee in the deed of trust, will offer for sale at public outcry and sell to the highest bidder for cash, within legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.) at the South front door of the New Madison County Courthouse at 128 W. North Street, Canton, Mississippi, the following described land, property and improvements lying and being situate in Madison County, Mississippi, to-wit:   Lot 90, FAIRFIELD SUBDIVISION, PART 2A, a subdivision according to a map or plat thereof, on file and of record in the office of the Chancery Clerk of Madison County at Canton, Mississippi, in Plat Cabinet C, Slide 139, reference to which map or plat is hereby made in aid of and as a part of this description.   Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), the right of redemption of any taxing authority, all outstanding liens for public utilities which constitute liens upon the property, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, easements, rights-of-way, zoning ordinances, restrictions, special assessments, covenants, and any matters of record including, but not limited to, those superior to said Deed of Trust first set out above. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named or the undersigned. The successful bidder must present certified funds in the amount of the winning bid at the time of sale, as well as timely comply with FinCEN data submission and certification requirements.   ATTENTION ALL PROSPECTIVE BIDDERS: On March 1, 2026, the data collection and reporting requirements under the U.S. Financial Crimes Enforcement Network (FinCEN) new Anti-Money Laundering Rule (Rule), found at 89 FR 70258, will go into effect. The Rule applies to certain residential real estate sale transactions, including nonjudicial foreclosures, where the transfer is to a legal entity or trust, and the source of funds is non-financed (which includes cash, certified funds, private financing, or financing provided by an institution not subject to a federal Anti-Money Laundering or Suspicious Activity Report requirement.) As part of this Rule, purchasers are required to provide additional information and documentation about themselves, their legal entities, and the source of funds used in the reportable transaction. The collection of this information and documentation by the Substitute Trustee is required to comply with the Rule’s reporting requirements. To submit and certify the required information, review informative resources/guides, or to certify an exemption please visit https://fincen.foreclosurehotline.net/. Note that a data submission or exemption form provided by an auctioneer may not be complete. If incomplete it will require further data/certification collection by the Substitute Trustee. Please submit and certify the required information or certify an exemption at the time of sale and no later than one (1) business day after the sale. If you have questions about the Rule or its applicability to you, please seek the advice of your own independent legal counsel, as the Substitute Trustee cannot give you legal advice.   The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code, (2) to final confirmation and audit of the status of the loan with the holder of the Deed of Trust, and (3) to confirmation that the successful bidder has timely provided to the Substitute Trustee all information required by the Rule, 89 FR 70258. The Substitute Trustee, on behalf of the holder of the Deed of Trust, reserves the right to rescind the foreclosure sale at its own discretion.   I WILL CONVEY only such title as is vested in the Substitute Trustee.   WITNESS MY SIGNATURE, this the 12th day of March, 2026   McCalla Raymer Leibert Pierce, LLP Substitute Trustee 251 Trace Colony Park Drive Suite A, Ridgeland, MS 39157 (662) 388-5464 Foreclosurehotline.net File No.: 23-02337MS PUBLISH: 03/19/2026,03/26/2026,04/02/2026 23-02337MS 03/19, 03/26, 04/02/2026 #12169242