NOTICE OF MORTGAGE FORECLOSURE SALE STATE OF ALABAMA COUNTY OF TALLADEGA Default having been made in the indebtedness secured by that certain mortgage executed by James W. Reaves Single Man to Mortgage Electronic Registration Systems, Inc. as nominee for Ameris Bank its successors and assigns dated December 28, 2015; said mortgage being recorded in Book 1468, Page 316, in the Office of the Judge of Probate of Talladega County, Alabama. Said Mortgage was last sold, assigned and transferred to Citizens Bank NA by assignment to be recorded in the Office of the Judge of Probate of Talladega County, Alabama. The undersigned, Citizens Bank, N.A., under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for cash before the main entrance of the Court House in Talladega County, Alabama during the legal hours of sale (between 11am and 4pm), on the 27th day of September, 2018 the following property, situated in Talladega County, Alabama, to-wit: Lots 66 and 67 of the Fourth Addition to Jazy Jones Subdivision, as recorded in Plat Book 6 at Pages 34 and 35 in the Talladega County, Alabama Probate Office; situated, lying and being in Talladega County, Alabama. Said property is commonly known as 108 James Street, Lincoln, AL 35096. The indebtedness secured by said Mortgage has been and is hereby declared due and payable because of default under the terms of the Note secured by said Mortgage, including but not limited to, nonpayment of the indebtedness as and when due. The indebtedness remains in default, and this sale will be made for the sole purpose of paying the same, including all expenses of the sale, attorney's fees, and all other payments provided for under the terms of said Mortgage. Said property will be sold subject to the following items, which may affect the title to said real property: all zoning ordinances; matters which would be disclosed by an accurate survey or inspection of the property; any outstanding taxes, including but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities, which constitute liens upon said property; all restrictive covenants, easements, rights-of-way; the statutory right of redemption pursuant to Alabama law; and any other matters of record superior to said Mortgage. To the best of the knowledge and belief of the undersigned, the party in possession of the real property is James W. Reaves or tenant(s). 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. Citizens Bank, N.A. as holder of said mortgage McCalla Raymer Leibert Pierce, LLC Two North Twentieth 2 20th Street North, Suite 1000 Birmingham, AL 35203 (800) 275-7171 File No. 958018 The Daily Home Talladega Co., AL August 4, 11, 18, 25, 2018