SUBSTITUTE TRUSTEE SALE

SUBSTITUTE TRUSTEE SALE Default having been made in the terms, conditions, provisions and payments made and provided for in a Deed of Trust dated September 19, 2014, executed by Charles W. Hawes and Christine Howes, to Investors Title Company, a Tennessee business corporation, Trustee, and recorded in Book 1327, Page 1216 in the Register's Office for Rutherford County, Tennessee, to secure the indebtedness therein described to FirstBank, and the entire indebtedness having been called due and payable as provided in said deed of trust, and said payment not having been made, and the lawful owner and holder of said indebtedness having appointed the undersigned, David G. Mangum, as substitute trustee by written instrument dated March 17, 2026, recorded in Book 2625, Page 2335 in the above mentioned Register's Office, notice is hereby given that I, the undersigned substitute trustee, or my designated agent, under the power and authority vested in me by said deed of trust, and having been requested to do so by the lawful owner and holder of said debt, will on Tuesday, April 21, 2026 at or about 6:30 pm at the Main Entrance of the Rutherford County Judicial Center, 116 W. Lytle Street, Murfreesboro, TN 37130, sell at public outcry to the highest and best bidder for cash, free from the equity of redemption, homestead and dower, and all other exemptions and rights of every kind, all of which are expressly waived in said deed of trust, the following described tract or parcel of land more particularly described as follows, to-wit: Land in Rutherford County, Tennessee, and being all of Lot No. 19, Final Plat – Section II, High Ship Acres, as shown on survey and plat of same appearing of record in Plat Book 20, Page 98, Register's Office for Rutherford County, Tennessee, to which reference is hereby made for a more complete and accurate description of said lot. DEED REFERENCE: Being the same property conveyed to Charles W. Hawes and wife, Christine Howes, by deed from Jones Construction Co., a partnership, as shown of record in Deed Book 647, Page 623, Register's Office for Rutherford County, Tennessee. Subject to any and all existing ROW, easements, setback lines and restrictive covenants of record in said Register's Office This description was taken from the deed of trust being foreclosed on of record in Book 1327, Page 1216 said Register's Office. TAX MAP-PARCEL NO.: 088F A 003.00 PROPERTY ADDRESS: 108 Folger Court, Murfreesboro, TN 37130, as shown on the tax maps for the Assessor of Property for Rutherford County, TN. This property is sold SUBJECT to a first mortgage securing 108 Folger Court, Murfreesboro, Tennessee 37130 in favor of Middle Tennessee Mortgage, Inc. in the original principal amount of $94,836.00, of record in Book 484, Page 458, Register's Office, Rutherford County, Tennessee and most recently assigned to MidFirst Bank as recorded in Book 883, Page 3885. This property may also be SUBJECT to a second mortgage securing 108 Folger Court, Murfreesboro, Tennessee 37130 in favor of FirstBank in the original principal amount of $10,000.00, of record in Book 413, Page 923 said register's office as well as any and all unpaid real estate taxes; restrictive covenants, easements and setback lines; any and all redemption rights, including rights of redemption of any governmental agency, State or Federal, and any and all prior liens or encumbrances against said real property. Said sale is further subject to matters that an accurate survey of the property might disclose. The property sold pursuant to this notice shall be sold "AS IS" and neither the Substitute Trustee nor the beneficiary of the Deed of Trust, nor any agent or attorney therefore, makes or shall make any warranty, whether express or implied, as to the condition, quality or quantity thereof, including, but not limited to, the enforceability of any lease affecting the property, the existence or absence of defaults under or the effect or this sale upon the rights of any party under such lease. The Substitute Trustee shall make no warranty of title, express or implied, and will sell and convey the subject real property by Substitute Trustee's Deed only. The substitute trustee may adjourn or postpone the aforementioned sale of real property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time and place fixed by the preceding postponement or subsequently noticed sale, and without further notice make such sale at the time fixed by the last postponement, or may, in its discretion, give a new notice of sale. If applicable, the Notice requirements of T.C.A. § 35-5-117 have been met. The failure of any high bidder to pay the purchase price and close the sale shall, at the option of the Substitute Trustee, be cause for rejection of the bid, and, if the bid is rejected, the Substitute Trustee shall have the option of making the sale to the next highest bidder who is ready, willing, and able to comply with the terms thereof. The proceeds derived from the sale of the property will be applied as provided for in said deed of trust. Terms of sale: Cash Substitute Trustee: David G. Mangum Substitute Trustee 2303 8th Avenue South Nashville, TN 37204 (615) 255-8690 Interested Parties: MidFirst Bank FirstBank Publishing Newspaper: Daily News Journal Newspaper Editions dated: 3/27/26 and 4/3/26 Publishing Internet Site: www.foreclosuretennessee.com File #76417 Notice to Appear on www.foreclosurestn.com March 27, April 3 2026 LOKR0483293