NOTICE OF TRUSTEE 'S SALE The following described property will be sold at public auction to the highest bidder at the Main Entrance, Weber County Courthouse, 2525 Grant Avenue, Ogden, UT, on March 13, 2012, at 10:30 a.m. of said day, for the purpose of foreclosing a trust deed originally executed on August 27, 2007 by Timothy M. Kern, as trustor, in favor of Mortgage Electronic Registration Systems, Inc., as nominee for First Horizon Home Loans, a Division of First Tennessee Bank, N.A., its successors and assigns, covering the following real property purported to be located in Weber County at 4616 South Dixie Circle, Ogden, UT 84403 (the undersigned disclaims liability for any error in the address), and more particularly described as: Lot 95, SOUTH HEIGHTS ADDITION NO. 1 SUBDIVISION, according to the official plat thereof on file and of record in the Weber County Recorder 's Office. Together with all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. Parcel No.: 06-071-0009 The current beneficiary of the trust deed is Federal National Mortgage Association ( "FNMA ") and the record owner of the property as of the recording of the notice of default is Timothy M. Kern. The sale is subject to bankruptcy filing, payoff, reinstatement or any other circumstance that would affect the validity of the sale. If any such circumstance exists, the sale shall be void, the successful bidder 's funds returned and the trustee and current beneficiary shall not be liable to the successful bidder for any damage. Bidders must tender to the trustee a $20,000.00 deposit at the sale and the balance of the purchase price by 12:00 noon the day following the sale. The deposit must be in the form of a bank or credit union cashier 's check or bank official check payable to eTitle Insurance Agency. The balance must be in the form of a wire transfer, bank or credit union cashier 's check, bank official check or U.S. Postal money order payable to eTitle Insurance Agency. Cash payments are not accepted. A trustee 's deed will be delivered to the successful bidder within three business days after receipt of the amount bid. DATED: February 8, 2012. eTitle Insurance Agency, Trustee By: /s/ Tom Cook Authorized Officer 3269 South Main, #100 Salt Lake City, UT 84115 (801) 263-3400 Office Hours: 8:00 a.m. - 5:00 p.m. L &A Case No. 11-17297/JJJ THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Pub.: February 11, 18, 25, 2012. 480349

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