SUBSTITUTE TRUSTEE'S NOTICE OF SALE   WHEREAS, on April 15, 2013, Albert L Smith and Ruby Smith, husband and wife executed a deed of trust for the benefit of Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Red Rock Mortgage & Lending LLC, its successors and assigns, which deed of trust was recorded on April 18, 2013, as Instrument No. 1388944, in Book 7145, Page 8179, in the office of the Chancery Clerk of the First Judicial District of Hinds County, Mississippi; Said Deed of Trust was last sold, assigned and transferred to Wells Fargo Bank, NA by assignment recorded in Book 7310, Page 6373 as Instrument No. 1876939 in the office of the Chancery Clerk of Hinds 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 March 30, 2026 and spread at large upon the records in the office of the aforesaid Chancery Clerk as Instrument No. 1941043 in Book 7332, Page 889 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, Wells Fargo Bank, NA, 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 May 1, 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 North front door of the Hinds County Courthouse (1st Judicial District) in Jackson, Mississippi, the following described land, property and improvements lying and being situate in Hinds County, Mississippi, to-wit: Begin at the Southwest Corner of Lot 20, of Oakwood Subdivision, according to the map thereof which is of record in the office of the Chancery Clerk of Hinds County at Jackson, Mississippi, in Plat Book "B" at Pages 126-7, and thence run North 2014 feet to a point on the South right-of-way line of McCluer Road, thence run North 87 degrees 50 minutes East 200 Feet to the Northwest corner and point of beginning of the parcel herein described: Thence run South 200 feet; thence run North 87 degrees 50 minutes East 120 feet; thence run North 200 feet to the South line of McCluer Road; thence run South 87 degrees 50 minutes West 120 feet to the point of beginning. AND ALSO Beginning at the Southwest corner of Lot 20, of Oak wood subdivision, according to the map thereof which is of record in the office of the Chancery Clerk of Hinds County at Jackson, Mississippi, in Plat Book "B" at Page 126 - 27, reference to which is hereby made; thence run North along the West line of said Lot 20 a distance of 2,014 feet to a point on the South right-of- way line of McCluer Road; thence run North 87 degrees 50 minutes East along the South right-of- way line of McCluer Road a distance of 320 feet to a point which is the Northwest corner and point of beginning of the parcel hereby conveyed; thence run South 200 feet; thence run North 87 degrees 50 minutes East 71 feet; thence run North 200 feet to a point on the South right-of-way line of McCluer Road; thence run South 87 degrees 50 minutes West 71 feet, to the point of beginning. 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, if applicable. 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, went 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, if applicable. The collection of this information and documentation by the Substitute Trustee is required to comply with the Rule’s reporting requirements, if applicable. To submit and certify the required information, review informative resources/guides, or to certify an exemption please visit https://fincen.foreclosurehotline.net/. 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 Rule is the subject of ongoing litigation in several jurisdictions. We suggest that you seek your own legal counsel if you have questions about the status of the Rule and its applicability to your sale, if any. 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, if applicable. 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 1st day of April, 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.: 25-03866MS PUBLISH: 04/10, 04/17, 04/24/2026 #12227473