Doc# 20260400384 03/16/2026 02:28 PM Page 1 of 8 Lucy Adame-Clark, Bexar County Clerk (GE wlIG~80-2026-20260400334" NOTICE OF SUBSTITUTE TRUSTEE’S FORECLOSURE SALE THE STATE OF TEXAS § § | KNOWALL MEN BY THESE PRESENTS COUNTY OF BEXAR § ASSERT AND PROTECT YOUR RIGHTS AS A MEMBER OF THE ARMED FORCES OF THE UNITED STATES. IF YOU ARE OR YOUR SPOUSE IS SERVING ON ACTIVE MILITARY DUTY, INCLUDING ACTIVE MILITARY DUTY AS A MEMBER OF THE TEXAS NATIONAL GUARD OR THE NATIONAL GUARD OF ANOTHER STATE, OR AS A MEMBER OF A RESERVE COMPONENT OF THE ARMED FORCES OF THE UNITED STATES, PLEASE SEND WRITTEN NOTICE OF THE ACTIVE-DUTY MILITARY SERVICE TO THE SENDER OF THIS NOTICE IMMEDIATELY. 1. PROPERTY TO BE SOLD AS DESCRIBED IN THE DEED OF TRUST: Being a 1.01 acre tract of land out of New City Block 656, City of San Antonio, Bexar County, Texas, being all that same 0.53 acre tract of land called Tract 2, and 0.48 acre tract of land called Tract 4 conveyed to Bright Lakes Real Estate, LLC by Deed recorded in Document No. 20200045873 of the Official Public Records of Bexar County, Texas, and being more particularly described in Exhibit A attached hereto and made a part hereof for all purposes. (hereinafter the “Property”) 2. INSTRUMENT TO BE FORECLOSED: That certain D Deed of Trust (Including Security Agreement) dated as of the 14° day of January, 2021, BRIGHT LAKES REAL ESTATE, LLC, as Grantor, conveyed to H.B. “Trip” Ruckman, Ill, for the benefit of Karnes County National Bank, having its principal office at 301 E. Calvert Ave., Kames City, Texas 78118, recorded at Document No. 20210017304 in the Official Public Records of Bexar County, Texas, as renewed, extended, and/or otherwise modified from time to time as follows: 1. Modification Agreement dated August 16, 2022 recorded at Document No. 20220210978 in the Official Public Records of Bexar County, Texas, 2. Modification Agreement dated February 16, 2023 recorded at Document No. 20230065169 in the Official Public Records of Bexar Notice of Substitute Trustee's Sale: Travis County Property—— Amer St. John, LLC KCNB December 2, 2025 Foreclosure Page 1 of 6  Doc# 20260400384 03/16/2026 02:28 PM Page 2 of 8 Lucy Adame-Cliark, Bexar County Clerk County, Texas, 3. Modification, Renewal and Extension Agreement dated August 16, 2023 recorded at Document No. 20230171166 in the Official Public Records of Bexar County, Texas, 4. Modification, Renewal and Extension Agreement dated December 46, 2023, recorded at Document No. 20240014259 in the Official Public Records of Bexar County, 5. Modification, Renewal and Extension Agreement dated March 31, 2024 recorded at Document No. 20240147847 in the Official Public Records of Bexar County, Texas, 6. Modification, Renewal and Extension Agreement dated June 30, 2025 recorded at Document No. 202501580851 in the Official Public Records of Bexar County, Texas, in Bexar County, Texas (collectively the “Deed of Trust’). 3. DATE, TIME, AND PLACE OF SALE: Date: Tuesday, Apri! 7, 2026 Time: The sale will begin no earlier than 10:00 A.M. or no later than three (3) hours thereafter. The sale will be completed by no later than 4:00 p.m. Place: The sale will take place at the BEXAR COUNTY COURTHOUSE or in the location designated by the Commissioner’s Court of said county for conducting foreclosure sales in Bexar County, Texas. In the event that the beneficiary decides to postpone, withdraw, or reschedule the foreclosure for another day, the Substitute Trustee need not appear at the date, time, and place of the scheduled sale to announce the postponement, withdrawal, or rescheduling. Notice of the date of any rescheduled foreclosure sale will be re-posted and re-filed in accordance Notice of Substitute Trustee’s Sale: Bexar County Property— Bright Lakes Real Estate, LLC KCNB April 7, 2026 Foreclosure Page 2 of 6  Doc# 20260400384 03/16/2026 02:28 PM Page 3 of 8 Lucy Adame-Cliark, Bexar County Clerk with the posting and filing requirements of the Texas Property Code. The re-posting or re-filing may be after the date originally scheduled for this sale. 4. TERMS OF SALE: The Sale will be conducted as a public auction to the highest bidder for cash, subject to the provisions of the Deed of Trust permitting the beneficiary thereunder to have the bid credited to the Note up to the amount of the unpaid debt secured by the Deed of Trust at the time of sale. Those desiring to purchase the Property will need to demonstrate their ability to pay cash on the day the Property is sold. The sale will be made expressly subject to any title matters set forth in the Deed of Trust and appearing of record in the Official Public Records of Medina County, Texas. Prospective bidders are reminded that by law the sale will necessarily be made subject to all prior matters of record affecting the Property, if any, to the extent that they remain in force and effect and have not been subordinated to the Deed of Trust including any unpaid ad valorem taxes and any mechanic’s and/or materialmen’s liens which prime the Deed of Trust. The sale shall not cover any part of the Property that has been released of public record from the lien of the Deed of Trust. Prospective bidders are strongly urged to examine the applicable property records to determine the nature_and_extent_of such Notice of Substitute Trustee's Sale: Bexar County Property— Bright Lakes Real Estate, LLC KCNB Aprif 7, 2026 Foreclosure Page 3 of 6  Doc# 20260400384 03/16/2026 02:28 PM Page 4 of 8 Lucy Adame-Cliark, Bexar County Clerk matters, if any. Pursuant to the Deed of Trust, the beneficiary has the right to direct the Substitute Trustee to sell the Property in one or more parcels and/or to sell all or only a part of the Property. Pursuant to Section 51.009 of the Texas Property Code, the Property shall be sold “AS IS” and “WHERE IS’ with no representations or warranties, either expressed or implied, except as to the warranties of title, if any, provided for under the Deed of Trust. The sale expressly excludes any warranty of merchantability or fitness for a particular use. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property. The Property will be sold subject to any unpaid ad valorem taxes and any other prior liens. Any purchaser is urged to determine the unpaid balance, if any, of the ad valorem taxes and any prior liens owing on the Property. Pursuant to Section 51.0075 of the Texas Property Code, the Trustee reserves the right to set further reasonable conditions for conducting the sale. Any such further conditions shall be announced before bidding is opened for the first sale of the day held by the Trustee or any substitute trustee. 5. TYPE OF SALE: The sale is a non-judicial Deed of Trust lien and foreclosure sale being conducted pursuant to the power of sale granted by the Deed of Trust Notice of Substitute Trustee’s Sale: Bexar County Property— Bright Lakes Real Estate, LLC KCNB April 7, 2026 Foreclosure Page 4 of 6  Doc# 20260400384 03/16/2026 02:28 PM Page 5 of 8 Lucy Adame-Cliark, Bexar County Clerk executed by Bright Lakes Real Estate, LLC. 6. OBLIGATION SECURED: The Deed of Trust provides that it secures the payment of the Promissory Note in the original principal amount of $1,897,500.00 dated January 14, 2021 as renewed, extended, and/or otherwise modified from time to time as described in Paragraph 2 above (the “Note”). Karnes County National Bank is the current owner and holder of the Note by virtue of its direct ownership or capacity as servicer and is the named beneficiary under the Deed of Trust. Questions conceming the sale may be directed to the following: Leslie M. Luttrell 100 NE Loop 410, Suite 615 San Antonio, Texas 78216 Telephone: 210.426.3600 luttrell@Iclawgroup.net 7. DEFAULT AND REQUEST TO ACT: Default has occurred under the Note and the Deed of Trust and the beneficiary has requested me, as Substitute Trustee, to conduct this sale. Notice is given that before the sale the beneficiary may appoint another person to serve as substitute trustee to conduct the sale. WITNESS MY HAND this 16" day of March Leslie M. Lu Substitute Notice of Substitute Trustee's Sale: Bexar County Property— Bright Lakes Reai Estate, LLC KCNB April 7, 2026 Foreclosure Page 5 of 6  Doc# 20260400384 03/16/2026 02:28 PM Page 6 of 8 Lucy Adame-Cliark, Bexar County Clerk THE STATE OF TEXAS § § COUNTY OF BEXAR § BEFORE ME, the undersigned authority, on this day personally appeared Leslie M. Luttrell known to me to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he executed the same for the purposes and consideration therein expressed. GIVEN UNDER MY HAND AND SEAL OF OFFICE this_/@ day of March 2026. WILLIAM L. PEROTTI itt Notary 10 #131024611 my Commission Expires Y a ‘April 28, 2029 LA tek BZ Lh Ky LT Notary Public, State exas My commission expires: 4o~./ 2% 2029 Notice of Substitute Trustee's Sale: Bexar County Property— Bright Lakes Real Estate, LLC KCNB April 7, 2026 Foreclosure Page 6 of 6  Doc# 20260400384 03/16/2026 02:28 PM Page 7 of 8 Lucy Adame-Cliark, Bexar County Clerk Doc# 20210017304 01/21/2021 3:39PM Page 24 of 26 Lucy Adame-Clark, Bexar County Clerk Exhibit A LUANCE LAND SURVEYORS eo Fannae STATE OF TEXAS $ COUNTY OF BEXAR § BEING A 1.0! ACRE TRACT OF LAND OUTR OF NEW CITY BLOCK 656. CITY OF SAN ANTONIO, BEXAR COUNTY. TEXAS, BEING ALL THAT SAME0.53 ACRE TRACT OF LAND CALLED TRACT 2. AND 0.48 ACRE TRACT OF LAND CALLED TRACT 4 CONVEYED TO BRIGHT LAKES REAL ESTATE. LLC, BY DEED RECORDED IN DOCUMENT NO. 20200045873 OF THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY. TEXAS, AND BEING MORE PARTICULARLY DESCRIBED MY METES AND BOUNDS AS FOLLOWS: BEGINNING al a4” iron rod found in the intersection of the north right-of-way line of East Delaware treet (55.6 feet wide right-of-way) and the east right-of-way line of Hoefgen Avenue (55.6 feet wide right-of-way) for the southwest corner of said 0.53-acre tract. same being the southwest corner on POINT OF BEGINNING of this herein described tact; THENCE, N 00°19'13" W, with the east right-of-way line of Hoefgen Avenue, a distance of 209.67 feet toa 4" iron rod set in the east right-of-way line of Hoefgen Avenue for the southwest comer of that certain 0.34-acre tract of land called tract 2 conveyed to Bright Lakes Real Estates, LLC. by deed recorded in Document No. 20200045873 of the Official Public Records of Bexar County. Texas, same being the northeast comer of this herein described tract: THENCE, N 89°50'45" E, leaving the east right-of-way line of Hoefgen Avenue, with the south line of said 0.34-acre tract, a distance of 209.47 feet to a %” iron rod sel for the southeast corner of said 0.34- acre traci and the northwest corner of that certain 0.04-acre tract of land called Tract 1, Parcel 4 conveyed to Bright Lakes Real Estates. LLC. by deed recorded in Document No. 20200045873 of the Official Public Records of Bexar County, Texas, same being the northeast comer of said 0.53-acre tract and this herein described tract; THENCE. S 00°19'06" E, with the west line of said 0.04-acre tract and that certain tract called Lot 5. East % of Block 11, conveyed to 533 Delaware, LLC. by deed recorded in Document No. 20190068354 of the Official Public Records of Bexar County, Texas, a distance of 139.89 feet to a 2" iron rod set in the north right-of-way line of East Delaware Street for the southwest comer of said Lot 5. same being the southeast corner of said 0.48-nere tract and od this herein described tract, THENCE, S 89°44'S4"" W. with the north right-of-way line of East Delaware Street. 2 distance of 209.46 feet to the POINT OF BEGINNING of this herein described tract, containing 1.01 acres (43.881 square feet) of land, more or Jess, within these metes and bounds.  Doc# 20260400384 03/16/2026 02:28 PM Page 8 of 8 Lucy Adame-Cliark, Bexar County Clerk Doc# 20210017304 01/21/2021 3:39PM Page 25 of 26 Lucy Adame-Clark, Bexar County Clerk FIELD BEARINGS ARE REFERENCED TO THE NORTH AMERICAN DATUM OF 1983 (NAD83) HORIZONTAL DATUM. TEXAS STATE PLANE COORDINATE SYSTEM, SOUTH CENTRAL ZONE. THIS SURVEY WAS PREPARED FROM AN ON THE GROUND SURVEY PERFORMED UNDER MY DIRECT SUPERVISION AND IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE AND BELIEF. Caesar A. Garcia RPLS No. 5904 October 15, 2019 FILE INFORMATION Document Number: 20260400384 Date/Time: 3/16/2026 2:28:44 PM Total Pages: 8 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME - CLARK BEXAR COUNTY CLERK Total Fees: $2.00