STATE OF MISSISSIPPI COUNTY OF HINDS SUBSTITUTED TRUSTEE'S NOTICE OF SALE WHEREAS, on or about June 10, 2020, Avtar Singh and Surinder Singh Sidhu executed that certain Deed of Trust to Granville Tate, Jr., Trustee, in favor of Trustmark National Bank, which was filed for record in Book 7249 at Page 6629, in the office of the Chancery Clerk of the First Judicial District of Hinds County, Mississippi (the "Deed of Trust"); and WHEREAS, on August 4, 2025, Trustmark Bank, a Mississippi banking corporation, became successor in interest to Trustmark National Bank by virtue of those certain Articles of Incorporation and Articles of Conversion filed of record in the office of the Mississippi Secretary of State ("Trustmark"); and WHEREAS, on June 17, 2026, Trustmark appointed and substituted Jim F. Spencer, Jr. as Substituted Trustee in the place and stead of Granville Tate Jr., the original Trustee of the Deed of Trust, as was its right to do under the terms of said Deed of Trust, said Substitution of Trustee being recorded on June 22, 2026, in Book 7333 at Page 5474 in the office of the Chancery Clerk of the First Judicial District of Hinds County, Mississippi; and WHEREAS, default having been made in the terms and conditions of said Deed of Trust, and the entire debt secured having been declared due and payable in accordance with the terms of said Deed of Trust, and the legal holder of said indebtedness, Trustmark, having requested the undersigned Substituted Trustee to execute the trust, and sell the land and property described in this Substituted Trustee's Notice of Sale, in accordance with the terms of said Deed of Trust, for the purpose of raising sums due thereunder together with attorney's fees and expenses of sale. NOW, THEREFORE, I, Jim F. Spencer, Jr., the undersigned Substituted Trustee, will sell during the legal hours (being between the hours of 11:00 a.m. and 4:00 p.m.) on August 7, 2026, at the front door of the County Courthouse of Hinds County, First Judicial District, 407 E. Pascagoula St., Jackson, Mississippi, 39201, for cash to the highest and best bidder, the following described land and property located and being situated in Hinds County, First Judicial District, State of Mississippi and being more particularly described as follows, to-wit: Lots 1, 2, 3 and 4, Block 3, Englewood Subdivision according to a map or plat thereof in Plat Book 7 at Page 31, in the office of the Chancery Clerk of Hinds County, at Jackson, Mississippi. LESS AND EXCEPT: PARCEL 1: Being situated in Lots 3 and 4, Block 3, Englewood Subdivision, Jackson, Mississippi, as recorded in Plat Book 7 at Page 31, of the Chancery Records of Hinds County, Mississippi, and being more particularly described as follows: Commence at the intersection of the south right-of-way line of McDowell Road with the west right-of-way line of Kingswood Avenue, said point being also the Northeast corner of Lot 4, Block 3, of said Englewood Subdivision; run thence Southerly, along the west right-of-way line of Kingswood Avenue 140.00 feet to the Point of Beginning for the property herein described; continue thence Southerly along the west right-of-way line of Kingswood Avenue, 35.00 feet; turn thence right through a deflection angle of 90 degrees 03 minutes and run Westerly along the south line of said Lots 3 and 4 for a distance of 103.0 feet; turn thence right through a deflection angle of 89 degrees 57 minutes and run Northerly, parallel with the west right-of-way line of Kingswood Avenue 47.0 feet; turn thence right through a deflection angle of 90 degrees 03 minutes and run easterly, parallel with the south right-of-way line of McDowell Road, 42.00 feet; turn thence right through a deflection angle of 89 degrees 57 minutes and run Southerly, parallel with west right-of-way line of Kingswood Avenue, 12.00 feet; turn thence left through a deflection angle of 89 degrees 57 minutes and run easterly, parallel with the south right-of-way line of McDowell Road, 61.00 feet to the Point of Beginning, and, PARCEL 2: Being situated in Lots 3, and 4, Block 3, Englewood Subdivision, Jackson, Mississippi, as recorded in Plat Book 7 at Page 31, of the Chancery Records of Hinds County, Mississippi, and being more particularly described as follows: Commence at the intersection of the south right-of-way line of McDowell Road with the west right-of-way line of Kingswood Avenue, said point being also the northeast corner of Lot 4, Block 3, of said Englewood Subdivision; run thence Southerly, along the west right-of-way line of Kingswood Avenue, 30.00 feet to the Point of Beginning for the property herein described; continue thence Southerly, along the west right-of-way line of Kingswood Avenue, 80.00 feet; turn thence through an interior angle of 89 degrees 57 minutes and run Westerly, parallel with the south right-of-way line of McDowell Road, 103.00 feet, turn thence through an interior angle of 90 degrees 03 minutes and run Northerly, parallel with the west right-of-way line of Kingswood Avenue, 80.00 feet; turn thence through an interior angle of 89 degrees 57 minutes and run Easterly, parallel with the south right-of-way line of McDowell Road, 103.00 feet to the Point of Beginning. AND ALSO LESS AND EXCEPT: PARCEL 3: Being situated in Lots 3 and 4, Block 3, Englewood Subdivision Jackson, Mississippi, as recorded in Plat Book 7 at Page 31, of the Chancery Records of Hinds County, Mississippi, and being more particularly described as follows: Beginning at the intersection of the south right-of-way line of McDowell Road with the west right-of-way line of Kingswood Avenue, said Point of Beginning also the northeast corner of Lot 4, Block 3, of said Englewood Subdivision; run thence Southerly along the west right-of-way of Kingswood Avenue 30.00 feet, turn thence through an interior angle of 89 degrees 57 minutes and run Westerly, parallel with the south right-of-way line of McDowell Road, 103.00 feet, turn thence through an interior angle of 90 degrees 03 minutes and run Northerly, parallel with the west right-of-way line of Kingswood Avenue, 30.00 feet to the south right-of-way line of McDowell Road, turn thence through an interior angle of 89 degrees 57 minutes and run Easterly, along the south right-of-way line of McDowell Road, 103.00 feet to the Point of Beginning. PARCEL 4: Being situated in Lots 3 and 4, Block 3, Englewood Subdivision Jackson, Mississippi, as recorded in Plat Book 7 at Page 31, of the Chancery Records of Hinds County, Mississippi, and being more particularly described as follows: Commence at the intersection of the south right-of-way line of McDowell Road with the west right-of-way line of Kingswood Avenue, said point being also the northeast corner of Lot 4, Block 3, of said Englewood Subdivision, run thence Southerly, along the west right-of-way line of Kingswood Avenue, 110.00 feet to the Point of Beginning for the property herein described, continue thence Southerly along the west right-of-way line of Kingswood Avenue, 30.00 feet, turn thence through an interior angle of 89 degrees 57 minutes and run Westerly, parallel with the south right-of-way line of McDowell Road, 61.00 feet; turn thence through an interior angle of 90 degrees 03 minutes and run Northerly, parallel with the west right-of-way line of Kingswood Avenue, 12.00 feet, turn thence through an interior angle of 269°57' and run Westerly, parallel with the south right-of-way line of McDowell Road, 42.00 feet, turn thence through an interior angle of 90 degrees 03 minutes and run Northerly, parallel with the west right-of-way line of Kingswood Avenue, 18.00 feet, turn thence through an interior angle of 89 degrees 57 minutes and run Easterly, parallel with the south right-of-way line of McDowell Road, 103.00 feet to the Point of Beginning. The Real Property or its address is commonly known as 411 E. McDowell Rd., Jackson, MS 39204. I will convey only such title as is vested in me as Substituted Trustee. WITNESS MY SIGNATURE, this the 10th day of July, 2026. /s/ Jim F. Spencer, Jr. Jim F. Spencer, Jr., Substituted Trustee Jim F. Spencer, Jr. (MSB# 7736) Watkins & Eager PLLC P.O. Box 650 Jackson, MS 39205 (601) 965-1900 Publication Dates: July 15, July 22, July 29, and August 5, 2026 July 15, 22, 29, August 5 2026 LMSS0555410