25859 GREEN TER

CB 4709N (RIVER ROCK RANCH UT-4), BLOCK 70 LOT 20

Doc# 20251200264 11/10/2025 10:57 AM Page 1 of 3 Lucy Adame-Cliark, Bexar County Clerk (0 RUG~88-2025-2025 1200264% Deed of Trust: Dated: Grantor: Trustee: Lender: Recorded in: Legal Description: Secures: Property: Foreclosure Sale: Date: Time: Place: Terms of Sale: NOTICE OF FORECLOSURE SALE December 2, 2025 August 16, 2022 Brian J. Smith and Micah Smith Law Offices of John B. Low, P.C. Arete Interests, LLC Document No. 20220201204 of the real property records of Bexar County, Texas Lot 20, Block 70, of RIVER ROCK RANCH P.U.D. UNIT 4, a subdivision in Bexar County, Texas according to the plat recorded in Volume 9677, Pages 39, of the Deed and Plat Records of Bexar County, Texas (“Property’’) Promissory ("Note") in the original principal amount of $600,000.00, executed by Brian J. Smith and Micah Smith ("Borrower") and payable to the order of Lender The real property, improvements, and personal property described in and mortgaged in the Deed of Trust situated on the Property, and all rights and appurtenances thereto Tuesday, December 2, 2025 The sale of the Property will be held between the hours of 10:00 A.M. and 4:00 P.M. local time; the earliest time at which the Foreclosure Sale will begin is 1:00 p.m. and not later than three hours thereafter. 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, Texas 78205, in the place designated by the county commissioners for such sales The Foreclosure Sale will be conducted as a public auction and the  Doc# 20251200264 11/10/2025 10:57 AM Page 2 of 3 Lucy Adame-Clark, Bexar County Clerk Property will be sold to the highest bidder for cash, except that Arete Interests, LLC'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, Arete Interests, LLC, 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 Arete Interests, LLC's election to proceed against and sell both the real property and any personal property described in the Deed of Trust in accordance with Arete Interests, LLC'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 Arete Interests, LLC 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, ifany, 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 Arete Interests, LLC. 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 "AS IS," 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 51.0075(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. Page 2  Doc# 20251200264 11/10/2025 10:57 AM Page 3 of 3 Lucy Adame-Cliark, Bexar County Clerk THIS INSTRUMENT APPOINTS THE 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. John B. Lo Law Offices of John B. Low, P.C. 4040 Broadway, Suite 510 San Antonio, TX 78209 Telephone (210) 826-5050 Attorney for Arete Interests, LLC FILE INFORMATION Document Number: 20251200264 Date/Time: 11/10/2025 10:57:04 AM Total Pages: 3 FILED IN THE OFFICIAL PUBLIC RECORDS OF BEXAR COUNTY LUCY ADAME — CLARK BEXAR COUNTY CLERK Total Fees: $2.00 Page 3