START OF PAGE: 264 l iS I NOTICE OF FORECLOSURE SALE AND r-.., = ,--.:, APPOINTMENT OF SUBSTITUTE TRUSTEE 0 0 .... ..... ~ =: !\J. ::.,:. l:".S.?:'9 C u :; en 06 August 2026 ~g~~-. r..;;.~ 02\~ ~\ I !~ t.1~'-\l \ -i : ~iP•J<~; Deed of Trust ("Deed of Trust'): Dated: Granter: Trustee: Beneficiary: June 27, 2023 Gervais Vidal Wopiwo Koumbo Christopher M. Pham Law Group, PLLC Christine A Gipson :t:,, ~~~-,~-- -c~~----' ~~"' '-!? r"l""'t ---~ >< I :r" :,, 0 Cv I'.' Recorded in: File No. 2023061294 of the real property records of Fort Bend County, Texas. Legal Description: Lot 17, Block 1, of HARVEST GREEN, SECTION NINE (9), a Subdivision in Fort Bend County, Texas, according to the Map or Plat thereof recorded in Plat No. 20160210, of the Plat Records of Fort Bend County, Texas. More commonly known as 815 Sunbeam Creek Ct, Richmond, TX 77406 Secures: Promissory Note ("Note") executed by Gervais Vidal Wopiwo Koumbo ("Borrower'') and payable to the order of Christine A Gipson, and all other indebtedness of Borrower to Lender. Property: The real property, improvements, and personal property described in and mortgaged in the Deed of Trust, including the real property described in the Legal Description above, and all rights and appurtenances thereto. Substitute Trustee: In accordance with Texas Property Code section 51.0076 and the Deed of Trust referenced above, mortgagee and mortgage servicer's attorney appoint the substitute trustee listed below: Robert K. Pham Law Group, PLLC Substitute Trustee's Address: Foreclosure Sale: Date: 10700 Richmond Avenue, Suite 200, Houston, TX 77042 01 September 2026 1 ; ' ' START OF PAGE: 265 Time: Place: Terms of Sale: The sale of the Property will be held between the hours of 1 :00PM and 4:00PM local time; the earliest time at which the Foreclosure Sale will begin is 1 :00PM and not later than three hours thereafter. Gus George Law Enforcement Academy -Patton Hall, 1521 Eugene Heimann Circle, Richmond, Texas 77469, Fort Bend County, Texas, or, if the preceding area(s) is/are no longer the area(s) designated by the Fort Bend County Commissioner's Court 1 at the area most recently designated by the Fort Bend County Commissioner's Court. The Foreclosure Sale will be conducted as a public auction and the Property will be sold to the highest bidder for cash, except that Lender's bid may be by credit against the indebtedness secured by the lien of the Deed of Trust. Default has occurred in the payment of the Note and in the performance of the obligations of the Deed of Trust. Because of that default, Lender, the owner and holder of the Note, has requested Trustee to sell the Property. The Deed of Trust may encumber both real and personal property. Formal notice is hereby given of Lender's election to proceed against and sell both the real property and any persona! property described in the Deed of Trust in accordance with Lender's rights and remedies under the Deed of Trust and Section 9.604(a) of the Texas Business and Commerce Code. Therefore, notice is given that on and at the Date, Time, and Place for the Foreclosure Sale described above, Trustee will sell the Property in accordance with the Terms of Sale described above, the Deed of Trust, and applicable Texas law. If Lender passes the Foreclosure Sale, notice of the date of any rescheduled foreclosure sale will be reposted and refiled in accordance with the posting and filing requirements of the Deed of Trust and the Texas Property Code. The Foreclosure Sale will be made expressly subject to any title matters set forth in the Deed of Trust, but prospective bidders are reminded that by law the Foreclosure 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. For the avoidance of doubt, the Foreclosure Sale will not cover any part of the Property that has been released of public record from the lien and/or security interest of the Deed of Trust by Lender. Prospective bidders are strongly urged to examine the applicable property records to determine the nature and extent of such matters, if any. Pursuant to section 51.009 of the Texas Property Code, the Property will be sold 2 START OF PAGE: 266 . . .. "AS IS,U without any expressed or implied warranties, except as to the warranties (if any) provided for under the Deed of Trust. Prospective bidders are advised to conduct an independent investigation of the nature and physical condition of the Property. Pursuant to section 51.0D75(a) of the Texas Property Code, Trustee reserves the right to set further reasonable conditions for conducting the Foreclosure Sale. Any such further conditions shall be announced before bidding is opened for the first sale of the day held by Trustee. 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. THIS INSTRUMENT APPOINTS THE SUBSTITUTE TRUSTEE IDENTIFIED TO SELL THE PROPERTY DESCRIBED IN THE DEED OF TRUST IDENTIFIED IN THIS NOTICE OF SALE. THE PERSON SIGNING THIS NOTICE IS THE ATTORNEY OR AUTHORIZED AGENT OF THE MORTGAGEE OR MORTGAGE SERVICER. ROBERT K. PHAM LAW GROUP, PLLC, Substitute Trustee By:_w--_____ _ ROBERT K. PHAMJ Attorney 3