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. NOTICE OF SUBSTITUTE TRUSTEE'S SALE AND APPOINTMENT OF SUBSTITUTE TRUSTEE THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE(S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED IN THIS NOTICE OF SALE. THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. WHEREAS, in my capacity as the attorney for the Mortgagee and/or its Mortgage Servicer, and pursuant to Section 51.0076 of the Texas Property Code, I hereby name, appoint and designate L.Scott Horne as Substitute Trustee to act under and by virtue of said Deed of Trust, including posting and filing the public notice required under section 51.002 Texas property code as amended, and to proceed with a foreclosure of the Deed of Trust line securing the payment of the note. WHEREAS, default has occurred in the payment of said herein referenced indebtedness and the same is now wholly due and the Mortgagee 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 terms of said Deed of Trust. Notice is hereby given that on Tuesday, the 4th day of August 2026; the undersigned will conduct a Substitute Trustee's Sale under the terms of the Deed of Trust described below. Such interests in the following described property as are secured by the Deed of Trust herein described will be sold at public auction to the highest bidder for cash. The sale will be conducted with the understanding that the trustee is acting in a representative capacity, and not individually, and that the trustee shall have no personal liability by reason of any matter arising out of such sale. The earliest time the sale will begin is 10:00 o'clock, A.M., but the sale may begin not later than three (3) hours after that time. The sale will take place at the county courthouse of Henderson County, Texas, at the area designated by the Commissioner's Court of such county where such sales are to take place. If no such area has been so designated, the area in which the sale will take place is the area immediately outside on the front steps of the Rockwall County Courthouse located at 1111 Yellowjacket Lane, Rockwall, Rockwall County, Texas < S Date of Deed of Trust: February 6, 2026 *O1KY 1 TAP 9202 ce SVX4L 2 OQ o a Oo  Maker: Luis Miguel Murillo Valdez and Mayra Alejandra Retana Marrufo Original Trustee named in Deed of Trust: Howard F. Carter, Jr. Substitute Trustee: L. Scott Horne Original amount of Secured Indebtedness: $219,000.00 Original Beneficiary named in Deed of Trust: Spear Point Properties LLC Property described in Deed of Trust: Being Lot 926 and 927, in Block E of ROCKWALL LAKE PROPERTIES DEVELOPMENT NO. 1, formerly known as Lake Echo Subdivision, an addition to Rockwall County, Texas, according to the Map or Plat thereof recorded in Cabinet A, Page 2, of the Plat Records of Rockwall County, Texas. More commonly known as 482 Trout Street, Rockwall, Texas 75032 Said Deed of Trust is recorded under Document No. 20260000002906 in the Deed of Trust Records of Rockwall County, Texas. Mortgage Servicer Information: 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 lien securing the property referenced above. Spear Point Properties LLC is representing itself as mortgage servicer and his address is : 2252 E. University Drive McKinney, TX 75069 EXECUTED thj | , )__day of July 2026 ce 1795 Northwest Highway Garland, TX 75041 972-271-1700  ACKNOWLEDGMENT THE STATE OF TEXAS — § § COUNTY OF DALLAS § This instrument was acknowledged before me on the day of July, 2026, by Tina Hill, known to me personally or by driver’s license, in the capacity therein stated. Kelia meDoriale ission Expires My or O12028 Notary 10131287720 AFTER RECORDING RETURN TO: Horne & Associates, PC 1795 Northwest Highway Garland, Texas 75041 Notary Public in a for the State of Texas PREPARED IN THE LAW OF: Horne & Associates, PC 1795 Northwest Highway Garland, Texas 75041