SUBSTITUTE TRUSTEE'S SALE Sale at public auction will be on November 25, 2014 at 12:00PM local time, at the front door, Trousdale County Courthouse, 200 East Main Street, Hartsville, Tennessee, pursuant to Deed of Trust executed by Richard Drouin, an unmarried man, to Kerry Webb, Trustee, on March 21, 2013 at Record Book 75, Page 182; all of record in the Trousdale County Register's Office. Party entitled to enforce security interest: JPMorgan Chase Bank, National Association, its successors and assigns The following real estate located in Trousdale County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: A certain tract or parcel of land located in the 6th Civil District of Trousdale County, Tennessee, described as follows to-wit: Being Lot No. 8, as shown on the Subdivision Plat of Byars Estates as shown on the survey of Carroll Carman, Surveyor No. 910, Carthage, TN dated 9/15/95, of record in Plat Book 1, Slide 191, Register's Office for Trousdale County, Tennessee, to which plat reference is made for a more complete and accurate description. Parcel Number: 031K A 008.00 Current Owner(s) of Property: Richard Drouin Street Address: 90 Byars Lane, Castalian Springs, Tennessee 37031 Any property address provided is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded at any time. Shapiro & Kirsch, LLP Substitute Trustee Law Office of Shapiro & Kirsch, LLP 555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-058838

NOTICE TO CREDITORS T.C.A. 30-2-306, 314, 317 The estate of BILLY JAY FERRELL Notice is hereby given that on the 29th day of August, 2014, Letters of Testamentary (or of Administration as the case may be) in respect of the Estate of BILLY JAY FERRELL who died 25th day of July, 2014, were issued to the undersigned by the Probate Court of Trousdale County, Tennessee. All persons, resident or non-resident, having claims, matured or unmatured, against this estate are required to file the same with the Clerk of the above named court within four (4) months from the date of the first publication (or posting, as the case may be) of this notice or twelve (12) months from the decedent's date of death, otherwise their claims will be forever barred. This 29th day of August, 2014 Billy D. Ferrell & Tammy L. Jackson Executor(s) or Administrator(s) Sharon Linville 203 E Main Street Hartsville, TN 37074 615-374-4605 SHELLY JONES Clerk and Master, Chancery & Probate Court RUN DATES: 9/11/14 9/18/14

PUBLIC NOTICE The City of Watertown Board of Zoning Appeals will hold a public hearing on Thursday, October 02, 2014 at 6:00 p.m. at the Watertown City Hall located at 8630 Sparta Pike, Watertown TN. Applications to be considered: John Marlin requesting use on appeal and variances on property referenced by Wilson County Tax Map 128G Group C Parcel 24.00 located at 9465 Sparta Pike. Property zoned Highway Business Districts (B-3) variances are as follows: 19 foot variance for side yard adjacent to Hayes Street, 17 foot variance rear yard setback, one foot variance eastern side yard, variances from landscaping, parking and building materials, variance from screening requirement adjacent to residentially zoned property. Applicant John Marlin requesting use on appeal and variances on property referenced by Wilson County Tax Map 127 Parcel 60.00 located on Sparta Pike. Property zoned Local Business District (B-2) requesting variance front setback six foot variance to edge of right of way to Sparta Pike, variance from screening requirement adjacent to residentially zoned property, variances from landscaping, parking and building material requirements. Applicant Monica Abeles requesting parking variance on property zoned Light Industrial Districts (I-1) located at 200 Tennessee Boulevard referenced by Wilson County Tax Map 127 Parcel 39.10. For further or more complete information you may contact the Wilson County Planning Office, 228 East Main Street, Lebanon, Tennessee 37087 or the Watertown City Hall. Anyone desiring to comment is requested to attend.

IN THE CHANCERY COURT FOR TROUSDALE COUNTY, TENNESSEE AT HARTSVILLE FLINT WEBB VS. FILE NO. 7364 VIVIAN WINFREY AND PAULA GOSNELL ORDER OF PUBLICATION In this action, it appearing to the satisfaction of the Chancery Court, from the Plaintiff's Petition which is sworn to, that the Defendants, Vivian Winfrey and Paula Gosnell are non-residents of this State so that the ordinary process of law cannot be served; it is therefore ordered that publication be made in the Hartsville Vidette, a newspaper published in the Hartsville/Trousdale County, Tennessee, for four (4) consecutive weeks, commanding said non-resident to serve upon Betty Lou Taylor, Plaintiff's Attorney, whose address is 204 Court Street, Hartsville,, TN 37074, a copy of answer to the petition on or before the 27th day of October, 2014, also file an answer to the petition with the Chancery Court Clerk at her office in Hartsville/Trousdale County, Tennessee, according to law. If you fail to do so judgement by default will be taken against you for the relief demanded in the petition. The motion for default will be heard on November 7, 2014 at 9:00 a.m. or as soon thereafter as possible at the Trousdale County Courthouse, 200 East Main Street, Hartsville, TN 37074. Shelly Jones Chancery Court Clerk Attorney for Plaintiff Betty L. Taylor 204 Court Street Hartsville, TN 37074 Publication Dates: 9/4/14, 9/11/14, 9/18/14, 9/25/14

SUBSTITUTE TRUSTEE'S SALE Sale at public auction will be on August 26, 2014 at 12:00PM local time, at the front door, Wilson County Courthouse, 228 East Main Street, Lebanon, Tennessee, pursuant to Deed of Trust executed by Michael Wardlow, a married man, to Robert M. Wilson Jr., Trustee, on December 11, 2006 at Book 1221, Page 2452; all of record in the Wilson County Register's Office. Party entitled to enforce security interest: The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc., ASSET-BACKED CERTIFICATES, SERIES 2006-25, its successors and assigns The following real estate located in Wilson County, Tennessee, will be sold to the highest call bidder subject to all unpaid taxes, prior liens and encumbrances of record: Parcel 080-041.05 A certain tract or parcel of land in Wilson County, in the State of Tennessee, described as follows: BEGINNING at an iron pin, said iron pin being on the northerly right-of-way (25' from center-line of) Eddins Road and being 2850.01' as measured westwardly along the northerly right of way of Franklin Road and said Eddins Road from the southwest corner of the Robert E. Brown property of record in Deed Book 165, Page 42, R.O.W.C., Tennessee, and also being the southeast corner of this tract; thence with the northerly right-of-way of the aforesaid Eddins Road N 83 deg. 32' 44" W 195.37' to an iron pin, said iron pin being the southwest corner of this tract; thence leaving the northerly right-of-way of the aforesaid Eddins Road and severing the B.F. Johnson property N 7 deg. 26' 01" E 958.36' to an iron pin; thence N 1 deg. 16' 56" E 245.00' to an iron pin, said iron pin being the northwest corner of this tract; thence S 86 deg. 27' 48" E 210.00' to an iron pin, said iron pin being the northeast corner of this tract; thence S 6 deg. 51' 47" W 1212.95' (erroneously shown as 121.95') to the point of beginning. BEING the same property conveyed to Michael Wardlow and wife, Lavena Wardlow by Warranty Deed from Mel Martinez, Secretary of Housing and Urban Development, of Washington, D.C., dated June 11, 2003 and recorded July 1, 2003, of record in Book 989, page 1380, Register's Office for Wilson County, Tennessee. Subject to all covenants, easements, restrictions, reservations, conditions and rights appearing of record against the above described property; also subject to any state of facts which an accurate survey of said property would show. PROPERTY ADDRESS (for information only): 531 Eddins Road, Lebanon, TN 37087 Map & Parcel: 080-041.05 Street Address: 531 Eddins Road, Lebanon, Tennessee 37090 Parcel Number: 080-041.05 Current Owner(s) of Property: Michael Edmund Wardlow a/k/a Michael Wardlow Other interested parties: Cavalry SPV I, LLC, as assignee of Wells Fargo Bank, N.A. The street address of the above described property is believed to be 531 Eddins Road, Lebanon, Tennessee 37090, but such address is not part of the legal description of the property sold herein and in the event of any discrepancy, the legal description referenced herein shall control. SALE IS SUBJECT TO TENANT(S) RIGHTS IN POSSESSION. All right of equity of redemption, statutory and otherwise, and homestead are expressly waived in said Deed of Trust, and the title is believed to be good, but the undersigned will sell and convey only as Substitute Trustee. If you purchase a property at the foreclosure sale, the entire purchase price is due and payable at the conclusion of the auction in the form of a certified/bank check made payable to or endorsed to Shapiro & Kirsch, LLP. No personal checks will be accepted. To this end, you must bring sufficient funds to outbid the lender and any other bidders. Insufficient funds will not be accepted. Amounts received in excess of the winning bid will be refunded to the successful purchaser at the time the foreclosure deed is delivered. This property is being sold with the express reservation that the sale is subject to confirmation by the lender or trustee. This sale may be rescinded at any time. Shapiro & Kirsch, LLP Substitute Trustee Law Office of Shapiro & Kirsch, LLP 555 Perkins Road Extended, Second Floor Memphis, TN 38117 Phone (901)767-5566 Fax (901)761-5690 www.kirschattorneys.com File No. 14-058277

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