APPOINTMENT OF SUBSTITUTE TRUSTEE and NOTICE OF TRUSTEE' S SALE THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE( S) IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE SECURITY INSTRUMENT IDENTIFIED LN THIS NOTICE OF SALE. THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. The undersigned, in accordance with Texas Property Code §51.0076, as attorney-in-fact for the Mortgagee and/or Mortgage Servicer does hereby remove the original trustee and all successor substitute trustees and appoints in their stead: Nestor Solutions, LLC, Auction. com, LLC, Xome Inc., Tejas Corporate Services, LLC, NFPDS- TX LLC, Agency Sales and Posting LLC, Abstracts/ Trustees ofTexas, LLC, Resolve Trustee Services, LLC, or any one ofthem, c/o Nestor Solutions, LLC, at 214 5t" Street, Suite 205, Huntington Beach, California 92648, as Substitute Trustee, who shall hereafter exercise all powers and dutiessetasidetothe saidoriginal trustee undertheDeedofTrust,and further, doeshereby request, authoriznanAinstruct ; said Substitute Trustee to conduct and direct the executionofremediesset asidetothe beneficiary therein. r o — I='No r—o 7 U i zo7 1. Date, Time, and Place of Sale. Date: 6/2/2026 TI f"--~ $ . The earliest timethe salewill begin is 10:00 AM, orwithinthree( 3) hoursafterthattim Time: r'i rnJ: cta Collin County Courthouse, Texas, atthe following location: The front steps ofthe ColiinGorty - Place: Courthouse located at 2100 Bloomdale Road, McKinney, Texas 75071, or ifthe precedinArea is no longer thedesignated area,atthe area most recently designated by the County Commissioners Court. Property To Be Sold. LOT NO. 11, BLOCK NO. A OF FOUNTAIN VIEW, PHASE ONE, AN ADDITION TOTHE 2. CITY OF JOSEPHINE, COLLIN COUNTY, TEXAS, ACCORDING TOTHE PLAT THEREOF RECORDED IN VOLUME Q AT PAGE 673 OF THE PLAT RECORDS OF COLLIN COUNTY, TEXAS. Commonly known as: 602 SAVANNA DRIVE JOSEPHINE, TX 75173 Instrument to be Foreclosed. The instrument to beforeclosed isthe Deed ofTrust dated 7/20/2022 and recorded in the 3. officeoftheCounty Clerk ofCollin County, Texas, recorded on 7/22/2022under County Clerk's FileNo 2022000113620, in Book-- and Page— inthe Real Property RecordsofCollin County, Texas. MELVIN LOUIS SPEARS AND ROSLYN BATES SPEARS, HUSBAND Grantor(s): AND WIFE Original Trustee: THOMAS E. BLACK, JR. Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Original Mortgagee: CARDINAL FINANCIAL COMPANY, its successors and assigns Current Mortgagee: Freedom Mortgage Corporation Mortgage Servicer: Freedom Mortgage Corporation 4. Terms ofSale. The sale will be conducted as a public auction to the highest bidder for cash, subject to the provisions of the deed oftrust permittingthe mortgagee thereunderto havethe bid credited tothe note uptothe amount ofthe unpaid debt secured by the deed oftrust atthe time ofsale. Pursuant to§ 51.009 ofthe Texas Property Code, the property will be sold in ASIS, WHERE IS" condition, withoutany express orimplied warranties, except astothewarranties oftitle( ifany) provided for under the deed oftrust. 5. Notice Regarding Federal Reporting Requirements. Please be advised that the highest bidder (" purchaser") at this trustee's sale may be required to provide information, documentation and/or certification as mandated by applicable federal law, and entity and trust purchasers should be prepared to provide beneficial ownership information as may be required by federal reportingrequirements effective fortransfers ofresidential real property tocoveredtransfereesonorafter3/ 1/ 2026. If applicable, therequired information mustbeprovided tothetrusteebeforeatrustee's deedwill be issued forcovered transfers. Additional information regarding these regulations and the required transferee information and certifications can be found at or https:// www.federalregister.gov./documents/2024/08/29/2024-19198/anti-money- https:// www.fincen. gov/ ire-fags# D_5 laundering-regulations-for-residential-real-estate-transfers. T.S.#: 2025-20072- TX RTS1289Obligations Secured. The deed oftrust provides that it secures the payment ofthe indebtedness and obligations therein 6. described( collectively the" Obligations") including but not limitedto( I) thepromissory note intheoriginal principal amount of$377,000.00, executed by MELVIN LOUIS SPEARS AND ROSLYN BATES SPEARS, HUSBAND AND WIFE, and payable to the order of Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for CARDINAL FINANCIAL COMPANY, its successors and assigns;( 2) all renewals and extensions ofthe note; and( 3) any and all present and futureindebtedness ofTrustor(s) tothecurrent holder ofthe Obligations tothemortgagee underthedeed oftrust. Default hasoccurred on the payment ofsaid indebtedness, and the same is now wholly due and theowner and holder has requested to sell saidproperty to satisfy thesaid indebtedness. Mortgage Servicer Information. The Mortgage Servicer isauthorized to represent the Mortgagee byvirtue ofaservicing 7. agreement with the Mortgagee. Pursuant tothe Servicing Agreement and Texas Property Code§ 51.0025, the Mortgage Servicer is authorized to collect the debt and to administer any resulting foreclosure ofthe lien securing the Property referenced above. Freedom Mortgage Corporation as Mortgage Servicer, isrepresenting the current mortgagee, whose address is: c/o Freedom Mortgage Corporation 11988 EXIT 5 PKWY BLDG 4 FISHERS IN 46037- 7939 Phone:( 855) 690-5900 Assert and protect your rights asa member ofthe armed forces ofthe United States. Ifyou are oryour spouse is serving on active military duty. including active military duty as a member ofthe Texas National Guard or the National Guard ofanother state or as a member of a reserve component ofthe armed forces of the United States, please send written notice oftheactive-duty military service tothe sender ofthis notice immediately. NESTOR SOLUTIONS, LLC, as attorney-in-fact for FREEDOM MORTGAGE CORPORATION Odiptgycti By: Dated: 3/27/2026 Christopher K. Baxter, Esq SBOT 90001747 Senior Vice President 214 5th Street, Suite 205 Huntington Beach, California 92648 Phone:( 888) 403-4115 Fax:( 888) 345-5501 For sale information visit: https:// www.xome.com or Contact( 800) 758-8052. T.S.#: 2025-20072-TX 1