MORTGAGE FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Christopher Kilpatrick and Stephanie Kilpatrick, originally in favor of , on the 16th day of June, 2014, said mortgage recorded in the Office of the Judge of Probate of Cleburne County, Alabama, in Mortgage Book 2014 Page 1333; the undersigned USAA Federal Savings Bank, as Mortgagee/Transferee, under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for cash, in front of the main entrance of the Courthouse at Heflin, Cleburne County, Alabama, on March 7, 2017, during the legal hours of sale, all of its right, title, and interest in and to the following described real estate, situated in Cleburne County, Alabama, to-wit: A parcel of land located in the South 1/2 of the NW 1/4 of Section 15, Township 16 South, Range 10 East; said parcel being more particularly described as follows: Beginning at the described Northwest corner of the SE 1/4 of the NW � of said Section 15; thence South 00 degrees 43 minutes 34 seconds West along the West line of said quarter-quarter 200.00 feet to a 3/4 inch rebar and the true point of beginning of the hereafter described parcel; thence South 88 degrees 48 minutes 07 seconds East 176.60 feet to a 3/4 inch rebar on the observed West Right of Way line of Oakmont Street; thence South 00 degrees 13 minutes 46 seconds East along said ROW line 199.70 feet to a capped rebar at the Northwest corner of the intersection of Oakmont Street and Brockford Road; thence North 88 degrees 37 minutes 16 seconds West along the observed North ROW line of Brockford Road 192.77 feet to a 1/2 inch pipe; thence Due North and leaving said ROW line 164.15 feet to a 1/2 inch pipe; thence North 89 degrees 48 minutes 22 seconds East 14.91 feet to a pipe w/elbow; thence North 00 degrees 43 minutes 34 seconds East 34.55 feet to the true point of beginning. Property street address for informational purposes: 555 Brockford Rd, Heflin, AL 36264 THIS PROPERTY WILL BE SOLD ON AN "AS IS, WHERE IS" BASIS, SUBJECT TO ANY EASEMENTS, ENCUMBRANCES, AND EXCEPTIONS REFLECTED IN THE MORTGAGE AND THOSE CONTAINED IN THE RECORDS OF THE OFFICE OF THE JUDGE OF PROBATE OF THE COUNTY WHERE THE ABOVE-DESCRIBED PROPERTY IS SITUATED. THIS PROPERTY WILL BE SOLD WITHOUT WARRANTY OR RECOURSE, EXPRESSED OR IMPLIED AS TO TITLE, USE AND/OR ENJOYMENT AND WILL BE SOLD SUBJECT TO THE RIGHT OF REDEMPTION OF ALL PARTIES ENTITLED THERETO. Alabama law gives some persons who have an interest in property the right to redeem the property under certain circumstances. Programs may also exist that help persons avoid or delay the foreclosure process. An attorney should be consulted to help you understand these rights and programs as a part of the foreclosure process. This sale is made for the purpose of paying the indebtedness secured by said mortgage, as well as the expenses of foreclosure. The successful bidder must tender a non-refundable deposit of Five Thousand Dollars ($5,000.00) in certified funds made payable to Sirote & Permutt, P.C. at the time and place of the sale. The balance of the purchase price must be paid in certified funds by noon the next business day at the Law Office of Sirote & Permutt, P.C. at the address indicated below. Sirote & Permutt, P.C. reserves the right to award the bid to the next highest bidder should the highest bidder fail to timely tender the total amount due. The Mortgagee/Transferee reserves the right to bid for and purchase the real estate and to credit its purchase price against the expenses of sale and the indebtedness secured by the real estate. This sale is subject to postponement or cancellation. USAA Federal Savings Bank, Mortgagee/Transferee Rebecca Redmond SIROTE & PERMUTT, P.C. P. O. Box 55727 Birmingham, AL 35255-5727 Attorney for Mortgagee/Transferee 404555 The Cleburne News Cleburne Co., AL December 29, 2016 & January 5, 12, 2017