NOTICE OF SUBSTITUTE TRUSTEE 'S SALE WHEREAS, default has occurred in the performance of the covenants, terms and conditions of a Deed of Trust dated July 31, 2007, executed by CHARLES L TRULL, AN UNMARRIED MAN, conveying certain real property therein described to ROBERT M. WILSON JR as same appears of record in the Register 's Office of Wilson County, on August 6, 2007, as Instrument No. 07344845, in Book 1263, at Page 2033; and WHEREAS, the beneficial interest of said Deed of Trust was last transferred and assigned to BANK OF AMERICA, N.A., who is now the owner of said debt; and WHEREAS, Notice of the Right to Foreclose ("Notice") was given in compliance with Tennessee law by the mailing a copy of the Notice to the parties at least sixty (60) days prior to the first publication of the Substitute Trustee 's Sale. WHEREAS, the undersigned, RECONTRUST COMPANY, N.A., having been appointed by as Substitute Trustee by instrument filed for record in the Register 's Office of Wilson County, Tennessee NOW, THEREFORE, notice is hereby given that the entire indebtedness has been declared due and payable, and that the undersigned, RECONTRUST COMPANY, N.A., as Substitute Trustee or its duly appointed agent, by virtue of the power, duty and authority vested and imposed upon said Substitute Trustee will, on November 13, 2012, 2:00 PM at the Wilson County courthouse door where the foreclosure sales are customarily held At the Wilson County Courthouse, Lebanon, TN, proceed to sell at public outcry to the highest and best bidder for cash, the following described property situated in Wilson County, Tennessee, to wit: Being Lot No. 238 on the Plan of Villages at Cedar Creek, Section Four, as shown by plat of record in Plat Book 20, Page 421, Register 's Office for Wilson County, Tennessee, to which plat reference is hereby made for a more complete legal description. PARCEL# 050D B 029.00 PROPERTY ADDRESS: The street address of the property is believed to be 900 CELESTE CT, MOUNT JULIET, TN 37122-8207. In the event of any discrepancy between this street address and the legal description of the property, the legal description shall control. CURRENT OWNER(S): CHARLES L TRULL AKA CHARLES LEE TRULL AND HURETTA ANN TRULL AKA ANN TRULL OTHER INTERESTED PARTIES: 1). THE VILLAGES AT CEDAR CREEK HOMEOWNERS ASSOCIATION The sale of the above-described property shall be subject to all matters shown on any recorded plat; any unpaid taxes; any restrictive covenants, easements or set-back lines that may be applicable; any prior liens or encumbrances as well as any priority created by a fixture filing; and to any matter that an accurate survey of the premises might disclose. This property is being sold with the express reservation that it is subject to confirmation by the lender or Substitute Trustee. This sale may be rescinded at any time. The right is reserved to adjourn the day of the sale to another day, time, and place certain without further publication, upon announcement at the time and place for the sale set forth above. All right and equity of redemption, statutory or otherwise, homestead, and dower 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. The Property is sold as is, where is, without representations or warranties of any kind, including fitness for a particular use or purpose. RECONTRUST COMPANY, N.A. IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. RECONTRUST COMPANY, N.A., Substitute Trustee 2380 Performance Dr, TX2-984-0407 Richardson, TX 75082 Tel: (800) 281-8219 Fax: (866) 681-5002 Registered Agent: CT Corporation System 800 South Gay Street, Suite 2021 Knoxville, TN 37929 Tel: (865) 342-3522 TS#: 12-0071688 FEI # 1006.169960 10/23/2012, 10/30/2012, 11/06/2012

INVITATION TO BID GLADEVILLE UTILITY DISTRICT WILSON COUNTY, TENNESSEE GMC File No.: 0479-14 Separate sealed bids for the 2012 WATER TREATMENT PLANT IMPROVEMENTS will be received by the Gladeville Utility District, 3826 Vesta Road., Lebanon, Tennessee 37090 until 10:00 A.M., local time, on Tuesday, November 13, 2012 and then at said time bids will be publicly opened and read aloud. The work to be preformed is the cleaning of two (2) backwash lagoons at the Gladeville Utility District Water Treatment Facility and the disposal of the settled sludge. The Instructions to Bidders, Form of Agreement, Drawings, Specifications, Forms of Bid Bond and of Performance and Payment Bonds, and other bidding instruments may be examined at Gladeville Utility District and at: Goodwyn, Mills & Cawood, Inc 3343 Perimeter Hill Drive, Suite 102 Nashville, TN 37211 615-333-7200 Nashville Contractors Association 220 Great Circle Road Nashville, TN 37228 615-254-8346 Copies of the bidding documents may be obtained at the office of GOODWYN, MILLS AND CAWOOD, INC. upon the NON-REFUNDABLE payment of $50.00 per set. The Owner reserves the right to waive any informality or to reject any or all bids. All Bidders must be licensed Contractors in the State of Tennessee in strict accordance with State regulations. No bid will be opened unless the outside of the sealed envelope containing the bid provides the following information: the name, license number, the date of the license 's expiration, and the classification of the contractors applying to the bid for the prime contract and for electrical, plumbing, heating, ventilation, and air conditioning contracts, except when the bid is in an amount less than twenty-five thousand dollars ($25,000). When the bid is less than twenty-five thousand dollars ($25,000), the name of the contractor only may appear on the outside of the envelope containing the bid, and upon opening the envelope, if such bid is in excess of twenty-five thousand dollars ($25,000), the same shall automatically be disqualified. Prime contractor bidders who are to perform the electrical, plumbing, heating, ventilation and air conditioning must be so designated upon the outside of the envelope. Failure of any bidder to comply therewith shall void such bid and the envelope containing such bid shall not be opened or considered. In the case of joint ventures bids, each party submitting the bid must provide this information. All Bidders shall comply with the Contractors Licensing Act of 1976 and as amended (TCA Title 62). All bidders shall comply with the Tennessee Contractor ' License law Section 62-6-119 (Bid documents - Required disclosure by bidders) when submitting bids. All bids must be made out on the Bid Form bound in the contract documents, and the Bid Form should not be detached from the contract documents. Bids will not be opened from Bidders who have not obtained the contract documents from the Engineer. With the bid, each Bidder must deposit security in the amount of five percent (5%) of the amount of the bid, subject to the conditions stated in the Instructions to Bidders. A Performance Bond and a Payment Bond, each in the amount of one hundred percent (100%) of the contract amount will be required for the successful Bidder. No Bidder may withdraw his bid within sixty (60) days after the actual date of the opening thereof. Danny Bledsoe, Manager Gladeville Utility District

SUBSTITUTE TRUSTEE 'S SALE Default having been made in the payment of the debts and obligations secured to be paid by a certain Deed of Trust executed October 7, 2002 by Richard E. Laning and Misty D. Laning, husband and wife to FMLS, Inc., as Trustee, as same appears of record in the office of the Register of Wilson County, Tennessee, in Book 935, Page 159, and the undersigned having been appointed Substitute Trustee by instrument recorded in the said Register 's Office, and the owner of the debt secured, Fidelity Bank, having requested the undersigned to advertise and sell the property described in and conveyed by said Deed of Trust, all of said indebtedness having matured by default in the payment of a part thereof, at the option of the owner, this is to give notice that the undersigned will, on Tuesday, November 6, 2012 commencing at 03:00 PM, at the Front Door of the Courthouse, Lebanon, Wilson County, Tennessee proceed to sell at public outcry to the highest and best bidder for cash, the following described property, to wit: Situated in County of Wilson, State of Tennessee. Land located in Wilson County, Tennessee, being Lot No. 257, Shiloh Park, Section 3, of record in Plat Book 9, Page 30, Register 's Office, Wilson County, Tennessee, to which said plat reference is hereby made for more complete legal description. Notice of the Right to Foreclose has been given in compliance with T.C.A. ? 35-5-117. Tax Parcel ID: 052F-C-001.00 Property Address: 4821 Matterhorn Drive, Old Hickory, TN. Other Interested Parties: SunTrust Bank All right and equity of redemption, homestead and dower 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. ARNOLD M. WEISS, Substitute Trustee Weiss Spicer Cash PLLC 208 Adams Avenue Memphis, Tennessee 38103 901-526-8296 File # 7026-097000-FC Published: October 16 October 23 October 30 Fidelity Bank/Richard Laning

DO YOU NEED HELP PAYING YOUR RENT? The Housing Choice Voucher program provides rental assistance to very low-income persons. Tennessee Housing Development Agency administers the program in many counties. Pre-applications are being accepted on 11/1/2012 from 6:00 a.m. to 11/1/2012 at 11:59 p.m. for the Housing Choice Voucher program in Wilson County. All applicants must be income-eligible to qualify. Please note that our pre-application process has changed. Pre-applications are taken on line with any computer with internet access through www.thda.org. Click on the link to the Rental Assistance Housing Choice Voucher page and follow the directions. If you need to request a reasonable accommodation, please call the Madison field office at (615)532-2894. A TDD line is available for the hearing impaired at 615-532-2894. All pre-applications must be submitted on the THDA website. No pre-applications are to be given out, received in person, or by mail.

INVITATION TO BID The City of Lebanon is accepting sealed bids for the purchase of (1) Multi-Functional Printing System for the Engineering Department. Bid Forms and specifications may be obtained from the office of the Purchasing Agent, 200 N. Castle Heights Avenue, Lebanon, TN 37087. Bids must be returned no later than November 8, 2012 by 9:30am. Bids will be opened and read aloud shortly thereafter in the same office. If you have any questions, contact the Purchasing Department (615)443-2802. Lisa Lane Purchasing Agent City of Lebanon

PUBLIC AUCTION SEM 'S STORE N LOCK MS, INC. will sell at Public Auction to satisfy an Owner 's Lien for CASH ONLY all the personal property stored by the following Ora Stevenson F009, Hazel Burns A017, Wayne Clark B104, Michael Hooper E025, Channika Williams A004, Tom Cormat A113-D018-D019, Kyle Terry A101-A025-A057-A062-B001-B072-D016 The Auction will be held ON SATURDAY, November 3rd, 2012, AT 9:00 A.M., on the premises of SEM 'S STORE N LOCK MS, INC., 136 Maddox Simpson Parkway, Lebanon, TN.

PUBLIC AUCTION SEM 'S STORE N LOCK MS, INC. will sell at Public Auction to satisfy an Owner 's Lien for CASH ONLY all the personal property stored by the following: Paula Johns A014, Kristal Hendrick B003, Brianne Montgomery B085-B086, Chanaty Sith B097, Brandy Braun D010, David Mack D017, Danielle Slaughter D025, Ashley Wilson D041, Michael Zika D042, Kristen Tweed E002, Gregory Ingle E006, Torria Rhodes E009, Trudie Raymond E016 The Auction will be held ON SATURDAY, November 10th, 2012, AT 9:00 A.M., on the premises of SEM 'S STORE N LOCK MS, INC., 136 Maddox Simpson Parkway, Lebanon, TN.

NOTICE OF PUBLIC HEARING 2010 ANNUAL AGENCY PLAN AMENDMENT LEBANON HOUSING AUTHORITY Notice is hereby given to the residents of the Lebanon Housing Authority, the citizens of Lebanon, and all persons interested, that the Housing Authority is required by the U.S. Department of Housing and Urban Development (HUD), and Section 511 of the Quality Housing and Work Responsibility Act of 1998 Interim Rule to amend the 2010 Public Housing Annual Agency Plan. The 2010 Annual Agency Plan Amendment provides details about the housing authority 's proposed operations, programs and services, development plans and capital improvements for fiscal years 2010-2014. Prior to submission of the 2010 Annual Agency Plan Amendment to HUD, we are soliciting comments and suggestions. We will be conduction a Public Hearing on December 4, 2012 at 4:00pm, at the Lebanon Housing Authority, 49 Lake Street, Lebanon, Tennessee, to discuss the proposed plans. All residents are invited to attend. If you are unable to attend the meeting, you may submit written comments regarding the Annual Agency Plan to Mr. Henry Harding, Executive Director, Lebanon Housing Authority, P.O. Box 187, Lebanon, TN 37088. Written comments will be received through December 4, 2012.

FORECLOSURE SALE NOTICE WHEREAS, Mattie McGowan by Jerry McGowan, Attorney in Fact, by a Deed of Trust, dated July 2, 2008, of record in Book 1313, Page 292 and a Modification, dated June 4, 2010 of record in Book 1403, page 2022, Register 's Office for Wilson County, Tennessee, conveyed to Randall Clemons, Trustee, the hereinafter described real property to secure payment of a promissory note as described in said Deed of Trust; and WHEREAS, Robert Evans Lee having been appointed Substitute Trustee by Wilson Bank & Trust, the owner and holder of said note by an instrument of record in Book 1454, Page 1499, Register 's Office for Wilson County, Tennessee, with authority to act alone with the powers given the Trustee; and WHEREAS, default having occurred with respect to the note secured by the Deed of Trust, and the full balance owing having been accelerated; and WHEREAS, Wilson Bank & Trust, as the owner and holder of said note, has demanded that the real property covered by the Deed of Trust be advertised and sold in satisfaction of said debt and the cost of the foreclosure, in accordance with the terms and provisions of said note and Deed of Trust; NOW, THEREFORE, notice is hereby given that I, Robert Evans Lee, Substitute Trustee, pursuant to the power, duty and authority vested in and imposed upon me in said Deed of Trust, will on November 16, 2012 at 10:00 AM., Central Time, at the front door of the Courthouse in Lebanon, Wilson County, Tennessee, offer for sale to the highest and best bidder for cash and free from all rights and equity of redemption, statutory or otherwise, homestead, dower and all other rights and exemptions of every kind as provided in said Deed of Trust, certain real property situated in Wilson County, Tennessee, described as follows: MAP 67H GROUP G PARCEL 14.00 A certain tract or parcel of land located in the 10th Civil District of Wilson County, Tennessee, more particularly described as follows, to-wit: Being Lot No. 14 of Section VI as shown on the resubdivision plat of the Bluebird Urban Renewal Subdivision, as shown on a plat of record in Plat Book 4, page 58, Register 's Office for Wilson County, Tennessee, to which plat reference is hereby made for a more complete description. Being the same property conveyed to Mattie McGowan by deed dated September 23, 1988 from George McGowan, Jr., Jimmy Edward McGowan, Jerry McGowan, Clara Faye McGowan and Joseph Michael McGowan of record in Deed Book 411, page 787, Register??s Office, Wilson County, Tennessee. Further reference is also made to deed dated June 23, 1989 to Mattie McGowan from George McGowan, Jr., Jimmy Edward McGowan, Jerry McGowan, Clara Faye McGowan and Joseph Michael McGowan of record in Deed Book 415, page 298, Register 's Office, Wilson County, Tennessee. Subject property has the address of 623 C. L. Manier Street, Lebanon, TN 37087 The right is reserved to adjourn the day of sale to another day and time certain, without further publication and in accordance with law, upon announcement of said adjournment on the day and time and place of sale set forth above, and/or to sell to the second highest bidder in the event the highest bidder does not comply with the terms of the sale. Substitute Trustee will make no covenant of seisin or warranty of title, express or implied, and will sell and convey the subject real property by Successor Trustee 's Deed, as Substitute Trustee only. THIS sale is subject to all matters shown on any applicable recorded Plat or Plan; any unpaid taxes which exist as a lien against said property, including without limitation city and county property taxes; any restrictive covenants, easements or setback lines that may be applicable; any statutory rights of redemption not otherwise waived in the Deed of Trust, including rights of redemption of any governmental agency, state or federal; and any prior liens or encumbrances that may exist against the property. This sale is also subject to any matter that an accurate survey of the premises might disclose. INTERESTED PARTIES are Wilson County Property Tax Division; City of Lebanon Property Tax Division; MTEMC; and Lebanon Electric Department THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THIS PURPOSE. THIS 11th day of October, 2012 Robert Evans Lee, Substitute Trustee Lee & Lee Attorneys at Law, P.C. 109 East Gay Street Lebanon, TN 37087 615-444-3900 Run October 26, 2012 November 2, 2012 November 9, 2012

NOTICE OF FORECLOSURE SALE WHEREAS, default having occurred in the performance of the terms, conditions and covenants under that certain deed of trust (the "Deed of Trust ") dated October 21, 2005, executed by Charles A. Kotlaris, married, to David Major, Trustee, the Deed of Trust being of record in Book 1143, Page 2151, Register 's Office for Wilson County, Tennessee, and Larry D. Craig having been appointed Substitute Trustee by instrument of record in Book 1509, Page 2229, said Register 's Office; NOW, THEREFORE, I, Larry D. Craig, as Successor Trustee and not otherwise, acting upon the demand of Pinnacle Bank, a state-chartered Tennessee Bank, formerly Pinnacle National Bank, successor in interest to Bank of the South, who is the lawful owner and holder of the indebtedness secured by the Deed of Trust, and after having declared the entire indebtedness due and payable, will, on November 15, 2012 at twelve o 'clock noon (12:00 p.m.) at the front door of the Wilson County Courthouse in Lebanon, Tennessee, sell to the highest bidder for cash, at public outcry, the following described property (the "Property ") in Wilson County, Tennessee: A certain tract or parcel of land in Wilson County, State of Tennessee, described as follows, to wit: Being Lot No. 1 of Lineberry Commercial Park, Section 1, as shown on the plat of record in Plat Book 17, Page 609, Register 's Office for Wilson County, Tennessee, to which plat reference is hereby made for a more complete description. Included in the above description but excluded from this conveyance is a tract of land more particularly described as follows: Beginning at a point on the north proposed right of way line of State Project No. 95004-2235-04, said point located 42 feet left of survey centerline station 357+0.25; thence with said north proposed right of way line North 89? 19 ' 47 " E a distance of 150.04 feet to a point on the common property line between Billy C. Robinson and grantors herein, said point located 42 feet left of survey centerline station 358+53.30; thence with said common property line South 01? 45 ' 23 " W a distance of 8 feet, more or less to a point on the north proposed existing right of way line of State Route 24; thence with said north existing right of way line South 89? 22 ' 58 " W a distance of 150.07 feet to a point on the common property line between David Clariday, et ux and the grantors herein; thence with said common property line North 02? 01 ' 38 " E a distance of 10 feet, more or less to a point to the point of beginning and containing 1,203 square feet. Being the same property conveyed to Charles Kotlaris by Deed from Lineberry Properties, Inc. and J. D. Eatherly dated March 15, 1995 of record in Book 440, page 474 Register 's Office for Wilson County, Tennessee. This is improved commercial property commonly known as 11125 Lebanon Road, Mt. Juliet, Tennessee 37122. Map 54 Parcel 16.04 The sale of the Property shall be subject to any and all prior liens, encumbrances, deeds of trust, easements, restrictions, building lines, unpaid taxes and assessments (plus penalty and interest, if any), and any redemptive rights (including redemptive rights of any taxing authority by reason of any tax liens), plus any and all other matters and encumbrances superior in right to the lien of the Deed of Trust, including rights of tenants in possession of said property. The right is reserved to adjourn the day of the sale to another day, time and place certain without further publication, upon announcement at the time and place for the sale set forth above. If the highest bidder cannot pay the bid within twenty-four (24) hours of the sale, the next highest bidder will be deemed the successful bidder. OTHER INTERESTED PARTIES AND/OR SUBORDINATE LIENHOLDER(S): Mt. Juliet Beer Company, Tenant. THIS IS AN ATTEMPT TO COLLECT A DEBT. Any information obtained will be used for that purpose. This 17th day of October, 2012. LARRY D. CRAIG, as Substitute Trustee, and not otherwise 305 Fourteenth Avenue, North Nashville, Tennessee 37203 (615) 320-5577 LEBANON DEMOCRAT INSERTION DATES: 10/19/12; 10/26/12; and 11/2/12

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