ÿWPCF …# VUFa %§ 0@­4í  w@ 0„X 0DÜ 0J 0Tj 0^¾ 0h 0r„ 0|ö 0†r 0ø 1uˆ 0dý U6aB)—DCÀ B AM U*m,— D3Ãöv~ 0@ŽvÓÎ AO¡Æð 0D¶ D/ú B)˜HP LaserJet 4SiHPPCL5MS,ü,,,,,ü0nLlÎ<¾½Q 9Z ‹.Courier New RegularX(ù$¡¡Ó  ÓÓ  ÓR¦"¡Ó 3|x ijkDlmnopstÓ€(4(3DX$¤¤Ý ƒù!ÝÓ  ÓÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(Courier New% Line 7 d$$$$7Border 1dd d€-%Cþÿ << Gÿÿ< Œ 9p`(Arial "Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€#ÔÓ  ÓÓ  ÓÝ  ÝÔ€(ÔÔ€(ÔÓ  ÓÔ YYY ÔFILEDÔ€(XÔÌÌò òMay€28,€1997ÌÌCecil€Crowson,€Jr.ÌÔ€(ôÔAppellate€Court€Clerkó ó&&&&'ÿÿdxd Ý ƒ!ÝÑ#€d#ÑÔ€#ÔÓ  ÓÓ  ÓÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝòòSchaad's€Do„It€Center€and€First€Bank€of€East€Tennessee,€N.A.,€are€theÏonly€parties€to€this€appeal.óóÌPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'h("ÿÿ$££Ò  ÒÒ  ÒStyl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  h HD: Geneva ÒÒ  h HD: Geneva Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€#ÔÓ  ÓÓ  ÓÝ  ÝÑ  ÑÑ ¸ ÑÑ Ü ÑÑ\R AØ'\ÑÑ  ÑÑ  ÑÑ\R AØ'\ÑÑ7€öXXdÖXXdÖ7ÑÙ€€ÙßR€')%A1-j|` Å `€€@ÿRß›Þ ÞÌà@ àIN€THE€COURT€OF€APPEALSÌÌÌÌÌÌÌÌSCHAAD'S€DO„IT€CENTER,€€€€€€€€€€)à àKNOX€CHANCERYÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àC.A.€NO.€03A01„9612„CH„00396Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€Plaintiff„Appellant€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìvs.€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àHON.€FREDERICK€D.€McDONALDÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àCHANCELLORÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌDOYLE€K.€WALKER€and€GARY€KENNETH)ÌWALKER,€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìand€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌKENNETH€R.€KRUSHENSKI,€trustee,€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìà àà àDefendants€€€€€€€€€€€€)à àAFFIRMED€AND€REMANDEDÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìand€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌFIRST€BANK€OF€EAST€TENNESSEE,€€€)ÌN.A.,€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìà àà àAppellee€€€€€€€€€€€€€€)ÌÌÌÌJOSEPH€J.€LEVITT,€JR.,€Knoxville,€for€Appellant.€ÌÌÌKENNETH€R.€KRUSHENSKI,€Rogers,€œHurst›€&€œKrushenski›,€LaFollette,€forÏAppellee.ÌÌÌÌÌÌÓÓÇà@ àòòO€P€I€N€I€O€NóóÌÌà€ àMcMurray,€J.ÌÌà àThe€sole€determinative€issue€in€this€case€is€whether€theÏappellant's€lien€as€a€materialman€as€provided€in€T.C.A.€ðð€66„11„102€is€superior€to€a€deed€of€trust€securing€a€note€payable€to€theÏappellee€(bank).œ× ƒ+ ××  ×›€€The€trial€court€determined€that€the€deed€ofÏtrust€was€superior€to€the€materialman's€lien.€€This€appeal€result…ed.€€We€affirm€the€judgment€of€the€trial€court.ÌÌà àThe€material€facts€are€not€in€dispute.€€The€Walkers€wereÏengaged€in€the€business€of€constructing€dwelling€houses€for€theÏpurpose€of€resale.€€They€acquired€a€construction€loan€in€theÏamount€of€$55,000.00€from€the€bank,€which€was€secured€by€a€deed€ofÏtrust€on€the€property€in€question€here.€€The€deed€of€trust€wasÏregistered€in€the€office€of€the€Register€of€Deeds€for€Knox€County.ÌÌà àThe€appellant€(Schaad)€was€a€furnisher€of€materials€whichÏwere€used€in€the€construction€of€a€dwelling€on€the€property€inÏquestion.€€The€bank's€deed€of€trust€was€recorded€prior€to€anyÏvisible€construction€at€the€construction€site.ÌÌà àT.C.A.€ðð€66„11„108€provides€as€follows:ÌÌÓÓà8 àà àò ò66„11„108.€Priority€over€mortgage.ó ó€€If€theÏcontract€is€made€with€the€mortgagor,€and€the€mortgageeÏhas€written€notice€of€the€same€by€certified€or€regis…tered€mail€before€the€work€is€begun€or€materials€fur…nished,€and€the€mortgagee€gives€written€consent€thereto,Ïthe€lien€shall€have€priority€over€the€mortgage;€and€ifÏthe€mortgagee€fails€to€object,€in€writing,€within€tenÏ(10)€days€after€receipt€of€the€notice,€the€mortgagee'sÏconsent€shall€be€implied;€provided,€that€the€personÏgiving€notice€shall€include€a€name€and€return€address€toÏwhich€the€written€objection€shall€be€mailed€by€certifiedÏor€registered€mail.€Otherwise,€the€lien€shall€have€noÏpriority€over€the€mortgage.ÌÌÓÓÌà àNo€notice€was€sent€to€the€bank€by€Schaad€under€the€aboveÏstatute.€€Schaad's€claim€to€priority€is€that€the€bank€failed€toÏmeet€the€requirements€of€T.C.A.€ðð€47„28„104€in€that€the€deed€ofÏtrust€did€not€contain€a€statement€identifying€the€mortgage€as€anÏinstrument€securing€future€advances€nor€a€statement€that€the€trustÍdeed€and€future€advances€were€for€commercial€purposes.€€SchaadÏfurther€claims€that€the€bank's€deed€of€trust€was€improperly€re…corded€because€the€acknowledgment€on€the€deed€of€trust€did€notÏmeet€the€requirements€of€T.C.A.€ðð€66„22„107(c).€€We€will€firstÏconsider€the€issue€relating€to€the€acknowledgment.ÌÓÓÌà àT.C.A.€ðð€66„22„107€provides€in€pertinent€part€as€follows:ÌÌÌà8 àò òà à66„22„107.€Form€of€certificate€of€acknowledg…ment.ó ó€€(a)€€If€the€acknowledgment€is€made€before€aÏcounty€clerk€or€deputy,€or€clerk€and€master,€or€notaryÏpublic,€or€before€any€of€the€officers€out€of€the€stateÏwho€are€commissioned€or€accredited€to€act€at€the€placeÏwhere€the€acknowledgment€is€taken,€and€having€an€offi…cial€seal,€viz:€those€named€in€ðððð€66„22„103€andÏ66„22„104,€and,€also,€any€consular€officer€of€the€UnitedÏStates€having€an€official€seal,€such€officer€shall€writeÏupon€or€annex€to€the€instrument€the€following€certifi…cate,€in€which€the€officer€shall€set€forth€such€offi…cer's€official€capacity:€ÌÌà@ à*€€€€€*€€€€€*€€€€€*ÌÌà8 à(c)€€Or,€in€case€of€natural€persons€acting€by€attorney:ÌÌà8 àState€of€Tennessee)Ì€à8 àCounty€of€____________)€Ìà8 àOn€this€______€day€of€______,€19€______,€before€meÏpersonally€appeared€____________,€to€me€known€(or€provedÏto€me€on€the€basis€of€satisfactory€evidence)€to€be€theÏperson€who€executed€the€foregoing€instrument€in€behalfÏof€______€acknowledged€that€such€person€executed€theÏsame€as€the€free€act€and€deed€of€________.ÌÌÓÓÌà àThe€trust€deed€in€question€contains€the€following€certifi…cate:ÌÌÓÓà8 àState€of€Tennessee€€€€€€€€€€€€€€€€€€€Campbell€County€ss:ÌÌà8 àOn€this€œ30th›€day€of€April,€1993€DOYLE€WALKER€AND€GARYÏKENNETH€WALKER,€individually€and€as€Attorney€in€Fact€forÏœSHELBA›€J.€WALKER€AND€SUSAN€K.€WALKER€BY€POWER€OF€ATTOR…NEY,€to€me€known€to€be€the€person(s)€described€in€andÏwho€executed€the€foregoing€instrument,€and€who€acknowl…edged€the€execution€of€the€same€to€be€THEIR€free€act€andÏdeed.€€Witness€my€hand€and€official€seal.ÌÌà8 àMy€commission€expires€10/3/93€€€€€€òò/s/€Diane€œGoins›€€óóÌÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€SEALÌÌÓÓÌà àWhile€it€is€readily€apparent€that€the€acknowledgment€on€theÏinstrument€is€not€in€strict€conformity€with€the€form€prescribed€byÏstatute,€strict€conformity€is€not€required.€€T.C.A.€ðð€66„22„114(b)Ïprovides€as€follows:ÌÌÓÓà8 àà à(b)€Any€certificate€clearly€evidencing€intent€toÏauthenticate,€acknowledge€or€verify€a€document€shallÏconstitute€a€valid€certificate€of€acknowledgment€forÏpurposes€of€this€chapter€and€for€any€other€purpose€forÏwhich€such€certificate€may€be€used€under€the€law.€It€isÏthe€legislative€intent€that€no€specific€form€or€wordingÍbe€required€in€such€certificate€and€that€the€ownershipÏof€property,€or€the€determination€of€any€other€right€orÏobligation,€shall€not€be€affected€by€the€inclusion€orÏomission€of€any€specific€words.ÌÌÓÓÌà àFurther€in€the€case€of€òòDavis€v.€œBogle›óó,€58€Tenn.€315€(1872),Ïour€Supreme€Court€determined€that€substantial€compliance€with€theÏstatutory€form€is€sufficient.€€We€find€that€the€certificate€ofÏacknowledgment€on€the€bank's€trust€deed€to€be€in€substantialÏcompliance€with€the€statutory€requirements€and€is€sufficient€forÏeffective€recordation€of€the€instrument€in€the€office€of€theÏRegister€of€Deeds.€€We,€therefore,€find€Schaad's€argument€that€theÏtrust€deed€is€improperly€recorded€to€be€without€merit.ÌÌà àWe€will€next€look€to€the€question€of€whether€the€bank'sÏfailure€to€comply€with€T.C.A.€ðð€47„28„104€defeats€the€bank's€claimÏto€priority.ÌÌà àT.C.A.€ðð€47„28„104(b)€provides€as€follows:ÌÌÓÓà8 àà à(b)€All€mortgages€securing€future€advances€whichÏmay€be€obligatory€and€which€are€for€commercial€purposes,Ïin€order€to€have€priority€provided€in€ðð€47„28„103€mustÍcontain€a€statement€or€other€notice€identifying€theÏmortgage€as€securing€obligatory€advances€and€as€beingÏfor€commercial€purposes.ÌÌÓÓÓ ` ܇XçÈ“X ÓÌà àOur€inquiry€is€whether€a€deed€of€trust€securing€payment€of€aÏnote€executed€as€a€construction€loan€is€a€mortgage€securing€futureÏadvances€as€contemplated€by€T.C.A.€ðð€47„28„104(b).ÌÌà àThe€trust€deed€in€question€reflects€that€it€is€made€for€theÏpurpose€of€securing€a€loan€in€the€amount€of€$55,000.00.€€TheÏœTennessee€recording›€tax€was€paid€on€$55,000.00.€€The€record,Ïtherefore,€in€the€office€of€the€Register€of€Deeds€reflected€that,Ïat€the€time€of€the€furnishing€of€materials€by€Schaad,€the€bankÏheld€an€unqualified€mortgage€on€the€property€in€question.€€It€isÏundisputed,€however,€that€the€loan€was€a€construction€loan€and€wasÏto€be€paid€to€the€borrowers€in€increments€as€the€construction€onÏthe€dwelling€progressed.ÌÌà àInsofar€as€we€have€been€able€to€determine,€the€issue€present…ed€here€has€not€been€addressed€by€the€appellate€courts€of€thisÏstate.€€There€is€authority€that€a€lien€secured€by€a€mortgage€mustÍnecessarily€be€prior,€if€the€mortgage€is€registered,€to€the€at…tachment€of€subsequent€liens,€unless€the€holder€of€the€prior€lienÏhas€done€something€to€mislead,€for€his€benefit,€those€dealing€withÏhis€vendee€to€their€detriment€and€disadvantage.€€òòSeeóó€òòKingsportÏBrick€Company€v.€œBostwick›óó,€145€Tenn€19,€235€S.W.€70€(1921).€ÏNothing€in€the€record€in€this€case,€suggests€that€Schaad€wasÏmisled€or€otherwise€œprejudiced€as€far€as›€Schaad's€claimed€œlien€isÏconcerned.›€€Since,€however,€òòKingsport€Brickóó€was€decided€longÏbefore€the€passage€of€T.C.A.€ðð€47„28„104(b),€it€is€of€littleÏassistance€in€disposing€of€the€issue€presented€here.ÌÌà àThe€trial€court€in€its€memorandum€opinion€reasoned€as€fol…lows:ÌÌà@ à*€€€€€*€€€€€*€€€€€*ÌÓÓà8 àà àThe€mechanic's€lien€statute€was€enacted€beforeÏT.C.A.€ðð€47„28„101,€and€expressly€addressed€priority€atÏT.C.A.€ðð€66„11„108.€€Under€T.C.A.€ðð€66„11„108,€withoutÏconsideration€of€T.C.A.€ðð€47„28„101,€the€bank's€lienÏwould€have€priority€over€plaintiff's€lien.€€In€enactingÏT.C.A.€ðð€48„28„101,€did€the€legislature€intend€to€modifyÏthe€effect€of€the€mechanic€lien€priority€provision?€ÏThere€is€no€express€language€in€T.C.A.€47„28„101€provid…ing€one€way€or€another.€€€...€€[œT]he›€enactment€of€T.C.A.Ïðð€47„28„101€was€obviously€intended€to€address€a€muchÍbroader€range€of€lending€security€than€that€addressed€byÏthe€mechanic's€lien€statute,€otherwise€the€provisions€ofÏT.C.A.€ðð€47„28„101€would€in€all€likelihood€merely€haveÏbeen€enacted€as€an€amendment€to€the€mechanics€lienÏstatute.€€Being€enacted€as€it€was,€to€address€open€endÏcredit€generally,€was€it€intended€to€effect€to€amend€orÏmodify€the€mechanic's€lien€statute?€€Viewed€in€thisÏlight,€it€is€concluded€that€the€legislature€did€notÏintend€to€effect,€modify€or€amend€the€mechanic's€lienÏstatute€so€as€to€cause€a€different€outcome€that€wouldÏhave€occurred€under€the€mechanic's€lien€statute€hadÏT.C.A.€47„28„101€not€been€enacted.€...ÌÌà@ à*€€€€€*€€€€€*€€€€€*ÌÓÓÌà àT.C.A.€ðð€66„11„108,€set€out€above,€unequivocally€gives€prior…ity€to€a€mortgage€unless€its€provisions€of€notice,€etc.,€are€met.€ÏT.C.A.€ðð€47„28„104(b)€arguably€takes€away€the€priority€granted€byÏT.C.A.€ðð€66„11„108.€€We€are€of€the€opinion,€however,€that€T.C.A.€ððÏ47„28„104(b)€was€not€intended€to€supersede€the€priority€estab…lished€by€T.C.A.€ðð€66„11„108.€€To€hold€otherwise€would€create€anÏirreconcilable€conflict€between€the€two€statutes.ÌÌÓÓà8 àà àThe€guiding€principle€of€statutory€construction€isÏto€give€effect€to€the€legislative€intent.€òòLong€v.ÏœStateline›€œSys›.,€Incóó.,€738€S.W.2d€622,€623€(Tenn.€1985).ÏWe€must€determine€the€legislative€intent€whenever€possi…ble€from€the€plain€language€of€the€statute,€"read€in€theÏcontext€of€the€entire€statute,€without€any€forced€orÏsubtle€construction€which€would€extend€or€limit€itsÏmeaning."€òòNational€Gas€œDistribs›.€v.€Stateóó,€804€S.W.2dÍ66,€67€(Tenn.€1991).€òòò òMoreover,€courts€should€avoid€aÏconstruction€which€places€one€statute€in€conflictÏwith€anotheró óóó.€(Emphasis€added).€òòœParkridge›€Hosp.,€Inc.Ïv.€Woodsóó,€561€S.W.2d€754,€755€(Tenn.€1978).€In€addition,Ïpotential€conflicts€between€statutes€should€be€resolvedÏin€favor€of€each€statute,€if€possible,€to€provide€aÏharmonious€operation€of€the€laws.€òòIdóó.€This€rule€isÏcodified€at€Tenn.€Code€Ann.€ðð€1„3„103€(1985),€whichÏdirects€that€conflicts€among€Code€provisions€are€to€beÏresolved€so€that€each€provision€prevails€as€to€"allÏmatters€and€questions"€within€the€special€purview€of€theÏrelevant€chapter€or€title.€òòSee€alsoóó€òòJenkins€v.€LoudonÏCountyóó,€736€S.W.2d€603,€607€(Tenn.€1987).ÌÌòòState€v.€œSpicewood›€Watershed€œDist›óó.,€848€S.W.2d€60€(Tenn.€1993).ÌÌÓÓÌà àT.C.A.€ðð€1„3„103€referred€to€above€provides€as€follows:ÌÌÓÓà8 àò òà à1„3„103.€Conflicts€within€code.ó ó€If€provisionsÏof€different€titles€or€chapters€of€the€code€appear€toÏcontravene€each€other,€the€provisions€of€each€title€orÏchapter€shall€prevail€as€to€all€matters€and€questionsÏgrowing€out€of€the€subject€matter€of€that€title€orÏchapter.ÌÌÓÓÌà àTitle€66,€Chapter€11€is€entitled€MECHANICS'€AND€MATERIALMEN'SÏLIENS.€That€title€and€chapter€deals€exclusively€with€mechanics'Ïand€œmaterialmen's›€liens€without€reference€to€T.C.A.€Title€47ÏChapter€28.€€On€the€other€hand,€Title€47,€Chapter€28€is€entitledÏOPEN„END€MORTGAGES€AND€MORTGAGES€SECURING€FUTURE€ADVANCES€andÍdeals€exclusively€with€such€instruments€without€any€reference€toÏT.C.A.€Title€66,€Chapter€11.€€€ÌÌà àTitle€66,€Chapter€11€establishes€priorities€of€mortgages€andÏmechanics'€or€œmaterialmen's›€liens.€€Thus,€in€turning€to€T.C.A.€ððÏ1„3„103€for€guidance,€we€are€persuaded€that€T.C.A.€Title€47,ÏChapter€28€is€inapplicable€and€that€Title€66,€Chapter€11€is€con…trolling€as€to€the€priorities€of€the€parties€to€this€action.ÌÌà àWe€affirm€the€judgment€of€the€trial€court.€€Costs€of€thisÏappeal€are€taxed€to€the€appellant€and€this€case€is€remanded€to€theÏtrial€court€for€such€other€and€further€action€as€may€be€required.ÌÌÌÓÓà€ à______________________________Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Don€T.€McMurray,€JudgeÌÌÌÌCONCUR:ÌÌÌ___________________________________ÌHouston€M.€Goddard,€Presiding€JudgeÌÌÌ___________________________________ÌHerschel€P.€Franks,€JudgeÌÌÇÑ  ÑÑ7€« XXd×XXd×7Ñà@ àIN€THE€COURT€OF€APPEALSÌÌÌÌÌÌSCHAAD'S€DO„IT€CENTER,€€€€€€€€€€)à àKNOX€CHANCERYÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àC.A.€NO.€03A01„9612„CH„00396Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€Plaintiff„Appellant€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìvs.€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àHON.€FREDERICK€D.€McDONALDÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àCHANCELLORÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌDOYLE€K.€WALKER€and€GARY€KENNETH)à àÌWALKER,€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìand€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌKENNETH€R.€KRUSHENSKI,€trustee,€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)€€AFFIRMED€AND€REMANDEDÌà àà àDefendants€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìand€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌFIRST€BANK€OF€EAST€TENNESSEE,€€€)ÌN.A.,€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìà àà àAppellee€€€€€€€€€€€€€€)ÌÌÌà@ àò òòòJUDGMENTóóó óÌÌÌÓÓà àThis€appeal€came€on€to€be€heard€upon€the€record€from€theÏChancery€Court€of€Knox€County,€briefs€and€argument€of€counsel.€ÏUpon€consideration€thereof,€this€Court€is€of€opinion€that€thereÏwas€no€reversible€error€in€the€trial€court.Ìà àWe€affirm€the€judgment€of€the€trial€court.€€Costs€of€thisÏappeal€are€taxed€to€the€appellant€and€this€case€is€remanded€to€theÏtrial€court€for€such€other€and€further€action€as€may€be€required.ÌÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€PER€CURIAMÌ