Doc# 20261000105 08/20/2026 02:09 PM Page 1 of 3 Lucy Adame-Clark, Bexar County Clerk NOTICE OF ACCELERATION AND NOTICE OF TRUSTEE’S SALE 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. DEED OF TRUST INFORMATION: Date: Grantor(s): Original Mortgagee: Original Principal: Recording Information: Property County: Property: Property Address: | 0 008 A October 24, 2023 Javier David Ruiz joined herein pro forma by my spouse Maria Nayeli Lopez De Ruiz Mortgage Electronic Registration Systems, Inc. (“MERS”), as nominee for KBHS Home Loans, LLC, its successors and assigns $476,292.00 20230201011 Bexar Lot 97, Block 3, Fischer Tract Unit 3E, Bexar County, Texas, according to the Map or Plat thereof recorded in Volume 20002, Page(s) 2211-2212, Plat Records of Bexar County, Texas. 5822 Agave Spine San Antonio, TX 78261 MORTGAGE SERVICING INFORMATION: . The Mortgage Servicer, if not the Current Mortgagee, is representing the Current Mortgagee pursuant to a Mortgage Servicing Agreement. Current Mortgagee: Mortgage Servicer: U.S. BANK TRUST NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF 2 EBO TRUST Selene Finance LP Mortgage Servicer 3501 Olympus Boulevard Address: 5th Floor, Suite 500 Dallas, TX 75019 SALE INFORMATION Date of Sale: November 3, 2026 Time of Sale: 1:00 PM or within three hours thereafter. Place of Sale: The area located outside on the west side of the Bexar County Courthouse which is near the intersection of East Nueva Street and the closed portion of South Main Avenue, San Antonio or if the preceding area is no longer the designated area, at the area most recently designated by the County Commissioner's Court. Substitute Agency Sales and Posting, LLC, and Padgett Law Group, any to act Trustee: Substitute 546 Silicon Dr., Suite 103, Southlake, TX 76092 Trustee Address: PLG File Number: 26-007262-1 ase Or AR CERO AP CRD EPROP OH EERO OLR PP PSS ERA Ga ct MTN or birch em yas KeNpapees xan sypteengt erg: riper EAR TEE - peneenmenes Lae ee tase SI sretns 04 se « 1 RRIF OF ASTOR TO ERAN RI RIG) WAS SP ARON Pa METIS tr PESO STENT APRON 2E 9 Aaa 9 NC EO ROR GEM PCI AEROBIE 18 GSH VRS Tt UREN oln T EPI ARE SOR TI EESAKRREUEN PAG TIO NRRRRSLTT ARSE MERE RIEATER KE 7 Doc# 20261000105 08/20/2026 02:09 PM Page 2 of 3 Lucy Adame-Clark, Bexar County Clerk 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. The undersigned is the attorney for the mortgagee and/or mortgage servicer, and in such capacity does hereby remove the original trustee and all successor substitute trustees under the above-described Deed of Trust and appoints in their place, any to act, those substitute trustees identified in the SALE INFORMATION section of this notice, whose address is c/o Padgett Law Group, 546 Silicon Dr., Suite 103, Southlake, TX 76092 as Substitute Trustee, who shall hereafter exercise all powers and duties to set aside the said original trustee under said Deed of Trust, and further does hereby request, authorize, and instruct said Substitute Trustees to conduct and direct the execution of remedies set aside to the beneficiary therein. WHEREAS, the above-named Grantor(s) previously conveyed the above-described property in trust to secure payment of the Note set forth in the above-described Deed of Trust; and WHEREAS, a default under the Note and Deed of Trust was declared, such default was reported to not have been cured, and all sums secured by such Deed of Trust are declared immediately due and payable. WHEREAS, the original Trustee and any previously appointed Substitute Trustee under said Deed of Trust has been hereby removed and the herein described Substitute Trustees, have been appointed as Substitute Trustees and authorized by the Mortgage Servicer to enforce the power of sale granted in the Deed of Trust; and WHEREAS, the undersigned law firm has been requested to provide these notices on behalf of the Current Mortgagee, Mortgage Servicer and Substitute Trustees; 9 RE Ra ANE TE ATEN SOR ORNEERO CAT NOW, THEREFORE, NOTICE IS HEREBY GIVEN of the foregoing matters and that: 1. The maturity of the Note is hereby accelerated, and all sums secured by the Deed of Trust are declared to be immediately due and payable. 2. The herein appointed Substitute Trustees, any to act, as Substitute Trustee will sell the Property to the highest bidder for cash on the date, at the place, and no earlier than the time set forth above in the Sale Information section of this notice. The sale will begin within three hours after that time. 3. The Financial Crimes Enforcement Network (“FinCEN”), a bureau of the U.S. Department of Treasury, now requires the collection, certification and reporting of certain information relating to non-financed transfers of real property to legal entities and/or trusts, which such information the successful bidder(s) shall be expected to provide to the auctioneer at the time of the subject sale. Interested bidders with questions regarding the necessary information to be provided are hereby directed, generally, to FinCEN’s website and, more specifically to the FinCEN Real Estate Report located in the forms bank thereof. 4. This sale shall be subject to any legal impediments to the sale of the Property to any exceptions referenced in the Deed of Trust or appearing of record to the extent the same are still in effect and shall not cover any property that has been released from the lien imposed by the Deed of Trust. 5. No warranties, express or implied, including but not limited to the implied warranties of merchantability and fitness for the particular purpose shall be conveyed at the sale, save and except the Grantor’s warranties specifically authorized by the Grantor in the Deed of Trust. The property shall be sold “AS-IS”, purchaser’s will buy the property “at the purchaser’s own risk” and “at his peril” and no representation is made concerning the quality or nature of title to be acquired. Purchasers will receive whatever interest Grantor and Grantor’s assigns have in the property, subject to any liens or interest of any kind that may survive the sale. Interested persons are encouraged to consult counsel of their choice prior to participating in the sale of the property. 6. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of pa RE REE ORES PLG File Number: 26-007262-1 , 2 ES Doc# 20261000105 08/20/2026 02:09 PM Page 3 of 3 Lucy Adame-Clark, Bexar County Clerk the funds paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee, the Mortgagee’s Attorney, or the duly appointed Substitute Trustee. Padgett Law Group, LLC CERTIFICATE OF POSTING ~ My name is ela ate om and my address is c/o Padgett Law Group, 546 Silicon Dr., Suite 103, Southlake, TX 76092.(A declare under penalty of perjury that on ~4O-0 Zo i filed at the office of the Bexar County Clerk to be posted at the Bexar County courthouse this notice of sale. Date: 3 Ws ”) BOR y Padgett Law Group 546 Silicon Dr., Suite 103, Southlake, TX 76092 (850) 422-2520 WITNESS MY HAND this AOE day of Qu pit M4. FILE INFORMATION Document Number: 20261000105 Date/Time: 8/20/2026 2:09:31 PM Total Pages: 3 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00 PLG File Number: 26-007262-1 3 “asso pig tay cigh ater bab so RAP nto NE SE NCR pts note gegen eT IE-GE A SETUPS ft pcre yu PL emt pth beetmeg ay jbo n-th fp date tt tgstas coin pte eneh essa se oe lh Set ae MRS a a EE EIRP TPO ECON PT y ae Bett NRA IRS RM ee MM IS ANGERS AS CAE OU Meo UG OILS on hea: