START OF PAGE: 122 .. i _, I' J J I C&M No. 44-26-03055/ FILE NOS 2025 JLL 23 p;; 10: 21 NOTICE OF TRUSTEE'S SALE AND APPOINTMENT OF SUBSTITUTE TRUSTEE C;·'· ~.:.-:,~: ; .. :: (},/ l f(.(, . .,i,,.,,,., • ...,..~ ..-L.,..--.. ~rco1l~t' LE~1~ Assert and protect your rights as a member of the armed forces of tb£:Ymt'~,S.ta~es;·.lf 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. Sender is: Codilis & Moody, P.C., 20405 State Highway 249, Suite 170, Houston, TX 77070 INSTRUMENT BEING FORECLOSED AND MORTGAGE SERVICER INFORMATION Deed of Trust dated March 26, 2020 and recorded under Clerk's File No. 2020038201, in the real property records of FORT BEND County Texas, with Kobe Nguyen Ngo and Thanh Ngoc Cung Ngo, husband and wife as community property as Grantor(s) and Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Citizens Bank, N_A_, A National Banking Association, its successors and assigns as Original Mortgagee_ Deed of Trust executed by Kobe Nguyen Ngo and Thanh Ngoc Cung Ngo, husband and wife as community property securing payment of the indebtedness in the original principal amount of $174,000.00 and obligation therein described including but not limited to the promissory note and all modifications, renewal and extensions of the promissory note (the "Note") executed by Kobe Nguyen Ngo. CITIZENS BANK NA f/k/a RBS CITIZENS NA is the current mortgagee (the "Mortgagee") of the Note and Deed of Trust or Contract Lien. The Mortgage Servicer is authorized to represent the Mortgagee by virtue of a servicing agreement with the Mortgagee. Pursuant to the Servicing Agreement and Texas Property Code 51.0025, the Mortgage Servicer is authorized to collect the debt and to administer any resulting foreclosure of the property securing the above referenced loan, Citizens Bank, N.A. is acting as the Mortgage Servicer for the Mortgagee. Citizens Bank, N.A., is representing the Mortgagee, whose address is: PO BOX 2800, Glen Allen, VA 2305~. Legal Description: LOT EIGHT (8), IN BLOCK TWO (2), OF KINGSBRIDGE PLACE, SECTION THREE (3), A SUBDIVISION IN FORT BEND COUNTY, TEXAS, ACCORDING TO THE MAP OR PLAT THEREOF RECORDED UNDER SLIDE NO(S) 1897/B & 1898/A OF THE PLAT RECORDS OF FORT BEND COUNTY, TEXAS SALE INFORMATION Date of Sale: 09/01/2026 / Earliest Time Sale Will Begin: 1:00 PM Location of Sale: The place of the sale shall be: FORT BEND County Courthouse, Texas at the following location: Fort Bend County Gus George Academy- Patton Hall, 1521 Eugene Heimann Circle, Richmond, Texas 77469 or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioners Court TERMS OF SALE A default has occurred in the payment of said herein referenced indebtedness, and the same is now wholly due, and the Mortgagee and/or Mortgage Servicer has requested the hereinafter appointed Substitute Trustee to sell said property to the highest bidder for cash and to distribute or apply the proceeds of said sale in accordance with the te1ms of said Deed of Trust. The Sale will be conducted as a public auction to the highest bidder for cash, except that Mortgagee's bid may be by credit against the indebtedness secured by the lien of the Deed of Trust. Pursuant to the Deed of Trust, the mortgagee has the right to direct the Trustee to sell the property in one or more parcels and/or to sell all or only part of the property. Pursuant to Section 51.009 of the Texas Property Code, the Property will be sold in "AS IS," 44-26-03055 FORT BEND 1111111111111111111111 4881607 START OF PAGE: 123 .. ) ) "WHERE IS" condition, without any express or impiicd warranties, except as to the warranties of title, if any, provided for under the Deed of Trust. The sale will begin at the earliest time stated above, or within three (3) hours after that time. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the funds paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee's attorney. STRICT COMPLIANCE WITH FINCEN RULES AND REGULATIONS IS REQUIRED FOR PURCHASE OF THE PROPERTY AT mis SALE. A FORECLOSURE DEED WILL NOT ISSUE WITHOUT SUCCESSFUL BIDDER PROVIDING ALL INFORMATION NECESSARY fOR STRICT COMPLIANCE WITH FINCEN. mis INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE(S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED IN Tms NOTICE OF SALE. THE PERSON SIGNING TmS NOTICE IS THE ATTORNEY OR AUfflORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. WHEREAS, in my capacity as attorney for the Mortgagee and/or Its Mortgage Servicer, and pursuant to Section 51.0076 of the Texas Property Code, I HEREBY APPOINT AND DESIGNATE Jeff Leva, Sandy Dasigenis, Megan L. Randle, Ebbie Murphy, Wayne Daughtrey, Steve Leva, Auction.com, LLC, or Codilis & Moody, P.C., as Substitute Trustee. The address for the Substitute Trustee for purposes of Section 51.0075( e) of the Texas Property Code is: Codilis & Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200 Executed on 07/21/2026. /s/ Isaac Lewis SBOT No. 24144831, Attorney at Law Codilis & Moody, P.C. 20405 State Highway 249, Suite 170 Houston, TX 77070 (281) 925-5200 Posted and filed by: __________ _ Printed Name: ____________ _ C&M No. 44-26-03055