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September 21, 2014
Clayton Legals 11.10.11
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ADVERTISEMENT FOR BIDS

Bid Package One (1)

Project: Rabun County Bus Maintenance Building

Owner: Rabun County Board of Education

Architect: Southern A & E Architects & Engineers

CM: Charles Black Construction Company, Inc.

Contractors are invited to submit lump sum bids for Bid Package One (1), Rabun County Bus Maintenance Building. Sealed bids will be received by the Construction Manager until 3:00 p.m., Thursday, November 10, 2011, at the Cleveland Office of the Construction Manager, Charles Black Construction Company, Inc., 1955 Highway 129 South, Cleveland, Georgia 30528. Bids must be submitted in Duplicate on the Construction Manager’s Proposal Form along with a 5% Bid Bond if required by the Bid Package. No Faxed Bids Accepted. A thorough review of the bid package description and bid documents are required prior to submitting bids. The form of agreement will be AGC Document 640, 1994 Edition, between the Construction Manager and the Successful Bidder. Bidding Documents are available for the COST OF REPRODUCTION from: AGC Plan Room/Gainesville Whiteprint http://planroom.aimages.com, 312 Bradford Street, NW, Gainesville, Georgia 30501, (770) 534-2086. Documents will be available for review at the following locations. Both offices of Charles Black Construction Company, Inc. 1955 Highway 129, South,Cleveland, Georgia 30528, 604 Washington Street, Suite A-2, Gainesville, Georgia 30501. McGraw-Hill Construction/Dodge Plan Rooms, 881 Franklin Road, SE, #435, Marietta, Georgia 30067, AGC Builder’s Exchange, 1940 The Exchange , Suite 300, Atlanta, Georgia 30339, Reed’s Construction Data, 30 Technology Parkway, Norcross, Georgia 30092, Gainesville Whiteprint, 312 Bradford Street, NW, Gainesville, Georgia 30501. CM: Charles Black Construction Company, Inc. PROJECT: Rabun County Bus Maintenance Building ADVERTISEMENT FOR BIDS, INDEX TO BID PACKAGES, Bid Package Number: 1. Bid Package Name: Metal Buillding Sytems and Concrete, Bid Date: November 10, 2011. *See Bid Package Description, General Package Notes & Construction Manager’s Special Conditions Prior to Pricing.* Rod Nix, Project Manager,Charles Black Construction Company, Inc.,P.O. Box 960 * 1955 Highway 129 South, Cleveland, Georgia 30528. *The Construction Manager and Owner reserve the right to reject any and all bids and to waive technicalities.*

10-13,20,27,11-3,10

ADVERTISEMENT FOR BIDS

Bid Package One (1)

Project: New Athletic Facility for Rabun County High School

Owner: Rabun County Board of Education

Architect: Southern A & E Architects & Engineers

CM: Charles Black Construction Company, Inc.

Contractors are invited to submit lump sum bids for Bid Package One (1), New Athletic Facility for Rabun County High School. Sealed bids will be received by the Construction Manager until 3:00 p.m., Thursday, November 10, 2011, at the Cleveland Office of the Construction Manager, Charles Black Construction Company, Inc., 1955 Highway 129 South, Cleveland, Georgia 30528. Bids must be submitted in Duplicate on the Construction Manager’s Proposal Form along with a 5% Bid Bond if required by the Bid Package. No Faxed Bids Accepted. A thorough review of the bid package description and bid documents are required prior to submitting bids. The form of agreement will be AGC Document 640, 1994 Edition, between the Construction Manager and the Successful Bidder. Bidding Documents are available for the COST OF REPRODUCTION from: AGC Plan Room/Gainesville Whiteprint

http://planroom.aimages.com, 312 Bradford Street, NW, Gainesville, Georgia 30501 (770) 534-2086. Documents will be available for review at the following locations. Both offices of Charles Black Construction Company, Inc. 1955 Highway 129, South Cleveland, Georgia 30528, 604 Washington Street, Suite A-2, Gainesville, Georgia 30501. McGraw-Hill Construction/Dodge Plan Rooms, 881 Franklin Road, SE #435 Marietta, Georgia 30067, AGC Builder’s Exchange, 1940 The Exchange, Suite 300, Atlanta, Georgia 30339, Reed’s Construction Data, 30 Technology Parkway, Norcross, Georgia 30092, Gainesville Whiteprint, 312 Bradford Street, NW, Gainesville, Georgia 30501. CM: Charles Black Construction Company, Inc. PROJECT: New Athletic Facility for Rabun County High School. ADVERTISEMENT FOR BIDS, INDEX TO BID PACKAGES, Bid Package Number: 1. Bid Package Name: Metal Buillding Sytems and Concrete, Bid Date: November 10, 2011. *See Bid Package Description, General Package Notes & Construction Manager’s Special Conditions Prior to Pricing.* Rod Nix, Project Manager,Charles Black Construction Company, Inc., P.O. Box 960 *1955 Highway 129 South, Cleveland, Georgia 30528. *The Construction Manager and Owner reserve the right to reject any and all bids and to waive technicalities.*

10-13,20,27,11-3,10

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Emily Mae Henderson Perry, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 17th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Eedeelove Henderson Adams acting as Executrix of the Emily Mae Henderson Perry estate.) Address: PO Box 65, Rabun Gap, GA 30568. Telephone: (706) 746-2158.

10-20,27,11-3,10

NOTICE

GEORGIA, RABUN COUNTY PROBATE COURT

TO: SHERRY HOLLAND WALES, KEN KLIMASEWSKI, GUARDIAN AD LITEM: ANY AND ALL UNKNOWN HEIRS: ANY AND ALL KNOWN HEIRS WHOSE CURRENT ADDRESSES ARE UNKNOWN. HEIDI TIMKO has petitioned to be appointed Administrator(s) of the estate of BRANDON HELMUT WALES, deceased, of said County. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before NOVEMBER 14, 2011 prior to 5 p.m. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleading/objections, unless you qualify to file as an indigent part. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be (scheduled at a later date). If no objections are filed, the petition may be granted without a hearing. LILLIAN W. GARRETT, PROBATE JUDGE, 25 COURTHOUSE SQUARE, SUITE 215, CLAYTON, GA 30525. TELEPHONE NUMBER 706-782-3614.

10-20,27,11-3,10

IN THE SUPERIOR COURT OF RABUN COUNTY

STATE OF GEORGIA

SCBT, N.A. D/B/A CBT, A DIVISION OF SCBT, N.A.

Petitioner

CIVIL ACTION FILE NO. 2011-CV-447-S

vs

THE HEIRS-AT-LAW OF

JAMES E. BLECKLEY, AND

ALL PERSONS WHO CLAIM

OR MIGHT CLAIM ADVERSELY

TO PETITIONER’S TITLE TO

ALL THAT TRACT OR PARCEL

OF LAND LYING AND BEING

IN LAND LOT 8 OF THE 2ND

LAND DISTRICT AND LAND

LOT 1 OF THE 5TH LAND

DISTRICT OF RABUN COUNTY,

GEORGIA, BEING DESIGNATED

AS TRACT 2, CONTAINING

0.65 ACRES, AS SHOWN ON

PLAT OF SURVEY PREPARED

BY T. LAMAR EDWARDS, R.S.,

WHICH IS DATED JULY 10,

2006, WHICH IS RECORDED

AMONG RABUN COUNTY,

GEORGIA RECORDS IN PLAT

BOOK 57, PAGE 171, AND

ALL THE WORLD

PUBLICATION

TO: THE HEIRS-AT-LAW OF JAMES E. BLECKLEY; ALL THE WORLD; AND ANY AND ALL PERSONS WHO CLAIM OR MIGHT CLAIM ADVERSELY TO PETITONER’S TITLE TO ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 8 OF THE 2ND LAND DISTRICT AND LAND LOT 1 OF THE 5TH LAND DISTRICT OF RABUN COUNTY, GEORGIA, BEING DESIGNATED AS TRACT 2, CONTAINING 0.65 ACRES, AS SHOWN ON PLAT OF SURVEY PREPARED BY T. LAMAR EDWARDS, R.S., WHICH IS DATED JULY 10, 2006, WHICH IS RECORDED AMONG RABUN COUNTY, GEORGIA RECORDS IN PLAT 57, PAGE 171. You are hereby notified that the above-styled action seeking to establish title to the below described property against all the world was filed on the 15th day of September, 2011, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of order for service by publication entered by said court, you are hereby commanded to be and appear at said court within 30 days of the date of the order for service by publication to answer said petition and file pleading before the court. WITNESS the Honorable Russell W. Smith, judge of said court. This 17th day of October, 2011. HOLLY E. HENRY-PERRY, Rabun County Clerk of Court.

10-20,27,11-3,10

Paula G. Reid

3284 Nature’s Walk

Suwanee, GA 33324

Bank of America, NA

100 North Tryon St

Charlotte, NC 28255

Take notice that: The right to redeem the following described property, to wit: All that tract or personnel of land lying and being in Land Lot 28 of the Fifth Land District of Rabun County, Georgia,and being designated as Lot 6 of Farside Estates Interdimensional Science, Inc., containing 3.13 acres, as more particularly described upon that certain plat of survey dated May 2, 1988, prepared by Warren Kelly, Georgia Registered Land Surveyor No. 2199, said plat being recorded in the office of the Clerk of Rabun Superior Court, in Plat Book 25, Page 258, reference to said plat being for the express purpose of incorporating its description herein. Thee above-described property is conveyed subject to that certain easement ten (10) feet in width, located along the boundary line of said tract and adjoining the common road which is twenty (20( feet in width and shown upon the above-referenced plat of survey. Previous grantors specifically reserved an easement along said strip of land, for the purpose of installing utility lines, as well as maintaining said roadway, which shall serve as a perpetual easement for the purpose of ingress and egress to each of the lots depicted on said plat of survey. The above-described property is conveyed subject to those certain restrictive covenants which shall be considered as running with the lands, as said covenants are recorded in the office of the Clerk of Rabun Superior Court, in Deed Book U-11, Page 505. Will expire and be forever foreclosed and barred on and after the 29th day of November, 2011. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the Clerk of Superior Court of Rabun County, Georgia in Deed Book N-36, at Pages 203-204. The property may be redeemed at any time before the 30th day of November 2011, by payment of the redemption price as fixed and provided by law, to the undersigned, at the following address: John J. Byrne, Attorney for William R. Stevens and Judith I. Brookshire, 3152 Blue Ridge Gap Road, Clayton, GA 30525. Please be governed accordingly. John J. Byrne.

10-20,27,11-3,10

NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Lynn H. Jenkins and Liana Jenkins and the Heir at Law of Liana Jenkins

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 5 of the Second Land District of Rabun County, Georgia and being designated as Lot 619, Unit 6 as depicted upon that certain plat of survey prepared by James A. Long, Registered Land Surveyor, which is recorded in the office of the Clerk of Rabun Superior Court in Plat Book 9, Page 353. This conveyance is made subject to protective covenants recorded in Deed Book X-4, Pages 437-446 in the office of the Clerk of Rabun Superior Court and subject to water rights easements of record. will expire and be forever foreclosed and barred on and after the 8th day of December, 2011. The tax deed to which this notice relates is dated the 7th day of September, 2010 and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Page 201-202. The property may be redeemed at any time before the 8th day of December, 2011, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: 124 Ginger Lane, Clayton, Georgia 30525, Phone: 706-782-4175. Please be governed accordingly. This 13th day of October, 2011. Albert O. English, Attorney For Ronald Belcher, 17 Chechero Street, Clayton, GA 30525(706) 782-4285.

10-27,11-3,10,17

NOTICE TO BAR RIGHT OF REDEMPTION

TO: Sandy J. Smith, Rabun County Tax Commissioner, MJD Properties, LLC, and Bank of America, N.A.

Take notice that: The right to redeem the following described property, to wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 195, OF THE SECOND LAND DISTRICT, OF RABUN COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS, TO WIT: FOR A FULL AND COMPLETE DESCRIPTION OF THE REAL PROPERTY BEING HEREBY CONVEYED, REFERENCE IS HEREBY HAD AND MADE TO A PLAT OF SURVEY DATED SEPTEMBER 21, 1995 AND PREPARED BY T. LAMAR EDWARDS, GEORGIA REGISTERED LAND SURVEYOR NO. 1837. THE REAL PROPERTY BEING HEREBY CONVEYED IS LOT 46, PART 3, SOUTHWOODS AREA, SKY VALLEY SUBDIVISION CONTAINING 0.37 ACRES, MORE OR LESS. SAID PLAT IS OF RECORD IN PLAT BOOK 35, PAGE 124, IN THE OFFICE OF THE CLERK OF RABUN SUPERIOR COURT. REFERENCE TO SAID PLAT AND THE RECORD THEREOF IS FOR THE EXPRESS PURPOSE OF INCORPORATED HEREIN ITS DESCRIPTION OF SAID LOT 46 AS DEPICTED THEREON. NOTE: THE ABOVE DESCRIBED TRACT OR PARCEL OF LAND IS HEREBY CONVEYED SUBJECT TO THE DECLARATION OF RESTRICTIONS OF RECORD IN DEED BOOK E5, PAGES 599-602, AFORESAID RECORDS. BEING THE SAME PROPERTY CONVEYED TO MJD PROPERTIES, LLC BY DEED FROM JOE R. ROUTT AND J MARLENE ROUTT, DATED JANUARY 22, 2007 AND RECORDED IN DEED BOOK M31, PAGE 331. FURTHER DESCRIBED AS MAP & PARCEL 058A409. will expire and be forever foreclosed and barred on and after the 15th day of December 2011. **This date is 45 days from the date the notice runs the first time. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia, in Deed Book N36, Page 213. The property may be redeemed at any time before the 15th day of December, 2011, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: c/o Scenic City Legal Group, PC, 3806 Amnicola Highway, Chattanooga, Tennessee 37406. Please be governed accordingly. This ____ day of October, 2011. Steve Steele, President for Energy Way Corporation.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Jo Sasser Dotson, deceased, are hereby notified to make immediate payment to the undersigned and all creditor of said decedent are hereby notified to render their claims to the undersigned. This ;the 20th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Netty Joan Dotson Nixon & Nancy Jean Dotson Haban acting as Co-Executrix of the Jo Sasser Dotson estate.) Address: 4150 Doubletree Court, Cumming GA 30040, Telephone: 770-844-8877.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Donald Jean Fountain, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 18th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Rodney Neal Fountain acting as Executor of the Donald Jean Fountain estate.) Address:47 Wood Hen Way, Tiger, GA 30576, Telephone: 706-782-7169.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RAABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to June Grist Coleman, deceased are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undesigned. This the 19th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Verner Rodney Coleman acting as Executor of the June Grist Coleman estate.) Address: 362 Hollifield Connector, Tiger, GA 30576, Telephone: 706-782-6656.

10-27,11-3,10,17

NOTICE

GEORGIA, RABUN COUNTY PROBATE COURT

Sherry Wales has petitioned to be appointed Administrator of the estate of Brandon Helmut Wales, deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before November 21, 2011. All pleading/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, By: Savannah B. Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

10-27,11-3,10,17

NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Jefferson W. Johnson

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 5, District No. 2, Rabun County, Georgia and being more particularly described as Lot 622, Unit 6, as depicted on a survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 9, Page 361, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, Pages 437-466, Rabun County records and subsequent amendments of record thereto and subject to water rights easements of record. will expire and be forever foreclosed and barred on and after the 8th day of December , 2011. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Pages 201-202. The property may be redeemed at any time before the 8th day of December, 2011, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: 124 Ginger Lane, Clayton, Georgia 30525 Phone: 706-782-4175. Please be governed accordingly. This 13th day of October, 2011. Ronald Belcher (L.S.) Albert O. English, Attorney, For Ronald Belcher, 17 Checher Street, Clayton, GA 30525(706) 782-4285.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Clinton C. Taylor to Mortgage Electronic Registration Systems, Inc. dated August 9, 2004, and recorded in Deed Book U-26, Page 138, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment , securing a Note in the original principal amount of $79,650.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, December 6, 2011, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 190 of the 13th Land District of Rabun County, Georgia, and being more particularly described as follows, to wit: For a full and complete description of the real property being hereby described, reference is hereby had and made to a plat of survey dated March 2, 1971 and prepared by James A. Long, Georgia Registered Land Surveyor No. 1579. The real property being hereby described is Lot 35, Block A of Sandy Ford Subdivision. Said plat is of record in Plat Book 8, Page 147 in the Office of the Clerk of Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said Lot 35, Block A of Sandy Ford Subdivision as depicted thereon. There is also conveyed herewith a 2002 Giles Kiss Mobile Home Model #1822, Serial #GM-3979A & GM-3979B. Said property is known as 186 Koala Circle, Lakemont, GA 30552, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Clinton C. Taylor, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Clinton C. Taylor, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney's fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law. Wells Fargo Bank, NA as Attorney-in-Fact for Clinton C. Taylor File no. 11-022740, SHAPIRO & SWERTFEGER, LLP *Attorneys and Counselors at Law, 2872 Woodcock Blvd., Duke Building, Suite 100, Atlanta, GA 30341-3941 (770)220-2535/AB, www.swertfeger.net. *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

10-27,11-3,10,17,24,12-1

CITY OF CLAYTON

NOTICE OF HEARING TO ALL INTERESTED PERSONS AND PARTIES

A hearing will be held in the City of Clayton Municipal Complex Courtroom at 5:30 p.m. before the City of Clayton Mayor and City Council on the 8th day of December, 2011 concerning a proposed rezoning of Land Lot 1, Land District 5 - Map Number C016 022.  This hearing is held under the authority granted by City of Clayton Ordinance. The purpose of said hearing is to receive comments on the rezoning proposed by Mr. Dank James concerning the rezoning of 8.21 acres from R-1 to Agriculture.  Property is located in Land Lot 1, Land District 5, in Clayton Georgia on US Hwy. 76 East with the southern boundary property belonging to Allen Taylor, eastern boundary property belonging to Martha Smith, northern boundary property belonging to Claude Gregory James, western boundary by US Hwy. 76. At the hearing any interested parties may present data, make a statement or offer a viewpoint or argument either orally or in writing. Lengthy statements shall be submitted in writing for the official record. Oral statements shall be concise to afford all an opportunity to be heard. Plat is available to view at Clayton City Hall Clerk's Office. Rhonda Lunsford, City Clerk, City of Clayton.

11-3,10,17

RABUN COUNTY PLANNING COMMISSION

NOTICE OF HEARING TO ALL INTERESTED PERSONS AND PARTIES

A hearing will be held in the Rabun County Courthouse at 6:00 p.m. before the Rabun County Planning Commission on the 28th day of November, 2011, concerning a proposed variance from “Rabun County Code of Ordinances Chapter 56 Zoning.” This hearing is held under the authority granted by Article XII of said Ordinance. The purpose of said hearing is to receive comments on the variance proposed by Jennifer L. Callahan concerning setback requirements. Property is .56 acres located in Land Lot 104, Land District 5, Lot 7, Rabun County Ga., 44 Durango LN, Clayton, GA 30525. Tax parcel is LB01-015. Plat is available to view in the Rabun County Planning and Zoning Office. At the hearing any interested parties may present data, make a statement or offer a viewpoint or argument either orally or in writing. Lengthy statements shall be submitted in writing for the official record. Oral statements shall be concise to afford all an opportunity to be heard. Steve Brett, Chairman, Rabun County Planning Commission

11-3,10

IN THE MAGISTRATE COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE #2011-MV-0200

ABANDON MOTOR VEHICLE LEGAL PUBLICATION NOTICE

GEORGIA RABUN COUNTY

RE: ABANDON MOTOR VEHICLE

To whom It May Concern: Notice of sale at public auction of motor vehicle

1994 Mitsubishi Galant ES/LS 4A3AJ56G2RE095130

Please be advised that the above vehicle was deemed abandoned in terms of law and will be sold at public auction in the State of Georgia, County of Rabun at Rabun County Courthouse, Front Steps (A) Said location is a place reasonably available to persons who might desire to attend and submit bids; and (B) At which those attending shall be given the opportunity to bid on a competitive basis, and (C) At which the sale shall be made to the highest and best bidder and (D) Which sale shall be held on Tuesday, November 15, 2011 at 11:00 a.m. This 27th day of October, 2011. Holly E Henry-Perry, Clerk of Magistrate Court, Rabun County, Georgia.

11-3,10

IN THE MAGISTRATE COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE #2011-MV-0201

ABANDON MOTOR VEHICLE LEGAL PUBLICATION NOTICE

GEORGIA RABUN COUNTY

RE: ABANDON MOTOR VEHICLE

To whom It May Concern: Notice of sale at public auction of motor vehicle

1966 Ford F-100, F10AL817976

Please be advised that the above vehicle was deemed abandoned in terms of law and will be sold at public auction in the State of Georgia, County of Rabun at Rabun County Courthouse, Front Steps (A) Said location is a place reasonably available to persons who might desire to attend and submit bids; and (B) At which those attending shall be given the opportunity to bid on a competitive basis, and (C) At which the sale shall be made to the highest and best bidder and (D) Which sale shall be held on Tuesday, November 15, 2011 at 11:00 a.m. This 27th day of October, 2011. Holly E Henry-Perry, Clerk of Magistrate Court, Rabun County, Georgia.

11-3,10

STATE OF GEORGIA

COUNTY OF RBUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Maxine Shepard Freeman, deceased are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 31st day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. Tim and Joi Woods acting as Co-Executors of the Maxine Shepard Freeman estate. Address: 1640 Pool Creek Rd, Clayton, GA 30525, Telephone: 706-782-7195.

11-3,10,17,24

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Tara L Southern to Mortgage Electronic Registration Systems, Inc., dated January 8, 2007, recorded in Deed Book V31, Page 644, Rabun County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment recorded in Deed Book M37, Page 489, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of FOUR HUNDRED SEVENTEEN THOUSAND AND 0/100 DOLLARS ($417,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Tara L Southern and Charles Barnett Kennedy or a tenant or tenants and said property is more commonly known as 4741 Murray Cove Road, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Wells Fargo Bank, N.A. as Attorney in Fact for Tara L Southern. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076,www.foreclosurehotline.net, MR/sju 12/6/11 Our file no. 51073211-FT7 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lots 94 and 95 of the 5th District, Rabun County, Georgia and being designated as Lot 5, containing 3.00 acres as more fully described on that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated March 21, 1997, last revised February 25, 1998, which is recorded in the Office of the Clerk of Superior Court, Rabun County, in Plat Book 40, Page 80; which plat and legal description thereon are incorporated herein by reference thereto. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the above-described property over and across that certain drive shown upon the above-referenced plat of survey which crosses lots 1 and 2 as shown on plat of survey. MR/sju 12/6/11 Our file no. 51073211 - FT7. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Kenneth R. Henderson to JPMorgan Chase Bank, N.A., dated October 23, 2007, recorded in Deed Book V32, Page 275, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED EIGHT THOUSAND AND 0/100 DOLLARS ($208,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMorgan Chase Bank, National Association, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Kenneth R. Henderson or a tenant or tenants and said property is more commonly known as 510 Kitchins Rd, Clayton, Georgia 30525. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Chase Bank, National Association as Attorney in Fact for Kenneth R. Henderson. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net, MR/ms8 12/6/11 Our file no. 51213811-FT18 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 68 of the Second Land District of Rabun County, Georgia and being more particularly described as follows, to wit: for a full and complete description of the real property being hereby conveyed, reference is hereby had and made to a plat of survey dated November 3, 1994 and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, the real property being hereby conveyed is a 1.10 acre tract of land. Said plat is of record in Plat Book 33, Page 301 in the Office of the Clerk of the Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said 1.10 acre tract as depicted thereon. Note: Also conveyed is a perpetual, non-exclusive road right of way easement over and across that certain ten (10) foot wide gravel drive and the extension of the same to the public road system of Rabun County, Georgia. Said tract or parcel of land is hereby conveyed subject to those portions lying within the right of way or bounds of said ten (10) foot wide gravel drive depicted on said plat. MR/ms8 12/6/11 Our file no. 51213811 - FT18. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

 Because of default in the payment of the indebtedness, secured by a Security Deed executed by Linda Gail Masters aka Linda G. Masters and Crystal Masters to Mortgage Electronic Registration Systems, Inc., as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated December 21, 2006 in the amount of $60,000.00, and recorded in Deed Book H31, Page 501, Rabun County, Georgia Records; as last transferred to Cenlar FSB by assignment; the undersigned, Cenlar FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 9 of the Second Land District of Rabun County, Georgia, and being in the City of Clayton and being more fully described as follows: Being 0.44 acre of land with a dwelling house thereon wherein James Richard Gorgon, deceased, resided for many years in the City of Clayton, Georgia and being more fully described on Plat of survey made by Warren Kelly, GA Registered Surveyor No. 2199, dated May 8, 1987, and recorded on the Rabun County, Georgia Deed Records in Plat Book 23, Page 297. Reference is had and made to said plat and record of same for a more fully and completed description of said lands herein conveyed. Said lands are bounded on the East by the right of way of Clayton Drive being a public road; bounded on the North by land Beaty, being a fenced line: bounded on the West by the lands of Youngblood, being fenced line; and bound on the Southeast by Smith and Wilburn Respectively, being a fenced line. Being same lands deeded by Grady Lovell to James R. Gordon Richard Gordon recorded in Deed Book N-3. Page 29; and the same lands later deeded to Robert L. Edwards, Jr., and wife Linda P. Edwards, recorded in Deed Book U-10, Page 498, record May 26th, 1987, Rabun County Superior Court, Rabun County, Georgia. This deed is subject to all notes and exceptions set out in the aforesaid referenced deeds, which has the property address of 92 Clayton Avenue, Clayton, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.  Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Linda Gail Masters aka Linda G. Masters and Crystal Masters  and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Cenlar FSB Attorney in Fact for Linda Gail Masters aka Linda G. Masters and Crystal Masters, McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by John R. Martin and Jamie P. Martin to HomeBanc Mortgage Corporation dated October 1, 2001, and recorded in Deed Book L-21, Page 225, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Trust Company, N.A., as successor-in-interest to JPMorgan Chase Bank, N.A. as successor in interest by merger to Bank One, N.A. as Trustee for Structured Assest Mortgage Investments Inc., Mortgage Pass- Through Certificates, Series 2002-AR3, by Assignment, securing a Note in the original principal amount of $386,250.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, December 6, 2011, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 33 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING LOT 49, CONSISTING OF 7.83 ACRES OF SPRUCE CREEK, LTD., DEVELOPMENT, BEING MORE FULLY SHOWN UPON A PLAT OF SURVEY PREPARED BY T. LAMAR EDWARDS DATED FEBRUARY 21, 1979, AND RECORDED IN THE OFFICE OF THE CLERK OF RABUN SUPERIOR COURT IN PLAT BOOK 13, PAGE 284, SAID SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A FULL AND COMPLETE DESCRIPTION OF THE ABOVE DESCRIBED PROPERTY. Said property is known as 851 Worley Creek Road, Lakemont, GA 30552, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of John R. Martin and Jamie P. Martin, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of John R. Martin and Jamie P. Martin, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney's fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law. The Bank of New York Trust Company, N.A., as successor-in-interest to JPMorgan Chase Bank, N.A. as successor in interest by merger to Bank One, N.A. as Trustee for Structured Assest Mortgage Investments Inc., Mortgage Pass- Through Certificates, Series 2002-AR3 as Attorney-in-Fact for John R. Martin and Jamie P. Martin. File no. 10-003039 SHAPIRO & SWERTFEGER, LLP*Attorneys and Counselors at Law, 2872 Woodcock Blvd., Duke Building, Suite 100, Atlanta, GA 30341-3941, (770)220-2535/SJ, www.swertfeger.net. *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from Dover N. Welch to Community Bank & Trust dated October 10, 2008 recorded among Rabun County, Georgia Records in Deed Book F34 Page 494 held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in December, 2011 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Dover N. Welch the following described property: All that tract or parcel of land lying and being in Land Lot 50 of the Second Land District of Rabun County, Georgia and being 10.01 acres as described upon a plat of survey dated June 22, 2005 prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, said survey being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 56, page 130. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. The above-described property is conveyed subject to that certain Georgia Power Company easement dated August 22, 1956 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book F-3, page 95, said easement being a one hundred (100) foot right-of-way and being shown upon the above-referenced plat of survey. There is also conveyed all of the Grantors rights and privileges contained in an Easement Agreement executed by Richard E. Brewer and Jack S. Short as Administrators of the estate of Mrs. Genella (R. E. A. Hamby) dated January 2, 1988 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book E-11, page 52-54. There is also conveyed a perpetual, non-exclusive easement over and across any and all portions of Leafwood Lane for the purposes of access, ingress and egress to and from the above-described lands. Said easement shall be an easement appurtenant to the above-described lands and shall inure to the benefit of the Grantee, its successors, transferees and assigns. There is also conveyed a perpetual, non-exclusive easement over and across that certain ingress-egress easement twenty (20) feet in width extending to the above-described property, said easement being shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 56, page 130 and in survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 35, page 133. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. To the best of the undersigned's knowledge and belief, the party in possession is Dover N. Welch or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Dover N. Welch. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. M. Keith York, Kimzey, Kimzey & York, P. O. Box 38, Cornelia, GA 30531, (706) 778-6823.

11-10,17,24,12-1

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from David E. Conner, Jr. and Melanie K. Conner to Community Bank & Trust dated June 12, 2007, recorded among Rabun County, Georgia Records in Deed Book F32, Page 169, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in December, 2011 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for David E. Conner, Jr. and Melanie K. Conner the following described property: All that tract or parcel of land lying and being in Land Lot 185 of the Second Land District of Rabun County, Georgia, containing 0.60 acre of land, as more particularly described according to that certain plat of survey dated July 11, 2002, prepared by T. Lamar Edwards, Georgia Registered land Surveyor No. 1837, said plat being recorded in Plat book 48, Page 62, Clerk’s office, Rabun Superior Court, reference to said plat being for the express purpose of incorporating its description herein. The above-described property is conveyed subject to easements as shown upon the above referenced plat, actually existing upon said property, or of record. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. To the best of the undersigned's knowledge and belief, the parties in possession are David E. Conner, Jr. and Melanie K. Conner or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for David E. Conner, Jr. and Melanie K. Conner. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. M. Keith York, Kimzey, Kimzey & York, P. O. Box 38, Cornelia, GA 30531, (706) 778-6823.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER CONTAINED IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF Rabun

Pursuant to a power of sale contained in a certain security deed executed by Joseph K Lockwood, hereinafter referred to as Grantor, to Mortgage Electronic Registration Systems, Inc. as nominee for Home Town Mortgage, Inc. recorded in Deed Book D32, beginning at Page 291, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said security deed, the undersigned attorney-in-fact for the aforesaid Grantor (which attorney-in-fact is the present holder of said security deed and note secured thereby) will sell before the door of the courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in December, 2011, the property which, as of the time of the execution of said security deed, was described as set forth in the attached Exhibit "A". Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, and all other matters of record superior to the said security deed. The entity that has full authority to negotiate, amend, and modify all terms of the Note and Security Deed is New York Community Bank, 1801 East Ninth Street, Cleveland, Ohio 44114, 866-476-0022. To the best of the undersigned's knowledge and belief, the party in possession of the property is believed to be Joseph K Lockwood or tenant(s). New York Community Bank, As Transferee and Assignee, As attorney-in-fact for the aforesaid Grantor, Campbell & Brannon, L.L.C., Attorney at Law, 990 Hammond Drive, Suite 800, One Lakeside Commons, Atlanta, Georgia 30328, (770) 392-0041. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. /Joseph K Lockwood/11-61618. EXHIBIT "A". A LEASEHOLD INTEREST IN AND TO: All that tract or parcel of land lying and being in Land Lot 100 of the Fifth Land District of Rabun County, Georgia, and being designated as Georgia Power Company Lease Lot 274 in Area 10 of the Lake Burton Recreational Development as more fully described on that certain plat of survey prepared by William F Rolader, Georgia Registered Land Surveyor No. 2042, dated May 28, 2003, which is recorded in the Office of the clerk of Rabun Superior Court in Plat Book 50, Page 205. Reference is had and made to said plat and recorded the same for a full and complete description of the property herein described. 109 Cheyenne Lane, Clayton, GA 30525

11-10,17,24,12-1

Notice of Sale Under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt given by Lake Burton Development, LLC (the “Grantor”) to Bank of Hiawassee d/b/a Bank of Blairsville dated December 19, 2002 and recorded December 26, 2002 in Deed Book O-23, Page 342, Rabun County, Georgia official records, as assigned to Cadence Bank, N.A., successor-by-merger to Seasons Bank ("Lender") pursuant to that certain Assignment dated July 29, 2005 and recorded September 19, 2005 in Deed Book T28, Page 570, Rabun County, Georgia official records, as modified by that certain Modification of Deed to Secure Debt between Grantor and Lender, dated November 19, 2005 and recorded December 22, 2005 in Deed Book I29, Page 506, aforesaid Records, as modified by that certain Modification and Extension of Deed to Secure Debt between Grantor and Lender dated August 20, 2007 and recorded August 29, 2007 in Deed Book O32, Page 321, aforesaid Records, as modified by that certain Modification and Extension of Deed to Secure Debt between Grantor and Lender, dated November 20, 2008 and recorded January 15, 2009 in Deed Book M34, Page 636, aforesaid Records (together with any and all additional amendments and modifications, collectively hereinafter referred to as the “Security Deed”), conveying the property described below to secure repayment of: (i) that certain Commercial Fixed Rate Promissory Note given by Grantor to Lender dated November 20, 2008 in the stated principal amount of $1,097,328.00, together with interest thereon as set forth therein; (ii) that certain Commercial Variable Rate Promissory Note given by Grantor to Lender dated November 18, 2008 in the stated principal amount of $200,768.00, together with interest thereon as set forth therein; and (iii) any and all other indebtedness, plus interest thereon, due and owing by Grantor to Lender, whether now existing or hereinafter created (together with any and all prior notes, amendments or modifications, collectively hereinafter referred to as the “Secured Indebtedness”), there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December 2011 (being December 6, 2011) the following described parcel of real property together with all improvements, personalty, fixtures, easements, hereditaments, rights, members, and appurtenances located thereon and described in the Security Deed: TRACT 1: ALL THAT TRACT OR PARCEL OF LAND containing 12.43 acres (more or less), lying and being in Land Lot 6 of the 1st Land District, Rabun County, Georgia as shown upon that certain plat of survey dated December 4, 2002, prepared by Wayne A. Powers, Georgia Registered Land Surveyor No. 2891, and recorded in Plat Book 49, Page 155, Clerk's office, Rabun Superior Court, and being described as follows: To find the Point of Beginning, commence at the northernmost corner of Lot 3G of Unit 2, Phase 1 of Waterfall at Lake Burton as shown on that certain Final Plat recorded at Plat Book 45, pages 176-177, Rabun County Georgia Records and run thence North 22°34'47" East a distance of 86.99 feet; thence North 60°41'57" East a distance of 20.00 feet to a point located on the western right of way line of Waterfall Drive (60' right of way) and the Point of Beginning. From the Point of Beginning thus established, run thence 27.65' along the arc of curve to the right in the western right of way line of Waterfall Drive, said arc having a radius of 65.00', and being subtended by a chord bearing North 17°06'46" West, a chord distance of 27.45'; thence North 06°18'42" West, a distance of 173.98'; thence North 09° 06'32" West, a distance of 58.45'; thence 58.40' along the arc of a curve to the right, said arc having a radius of 120.00', and being subtended by a chord bearing North 04°49'59" West, a chord distance of 57.82'; thence North 18°46'30" East, a distance if 111.76'; thence 54.30' along the arc of a curve to the left, said arc having a radius of 80.00', and being subtended by a chord bearing North 00°40'07" West, a chord distance of 53.26'; thence departing the right-of-way of Waterfall Drive and running thence 62.66' along the arc of a curve to the left, said arc having a radius of 135.00', and being subtended by a chord bearing South 43°18'24" West, a distance of 62.10'; thence 93.16' along the arc of a curve to the right, said arc having a radius of 265.00, and being subtended by a chord bearing South 40°04'54" West, a chord distance of 92.68'; thence South 50°09'10" West, a distance of 56.83', thence South 48°46'00" West, a distance of 212.06', thence North 74°16'27" West, distance of 270.72', thence South 14°55'43" West, a distance of 118.40', thence South 75°13'37" East, a distance of 136.13', thence South 19°43'09" West, a distance of 80.64', thence South 43°21'25" West, a distance of 112.89', thence South 16°15'36" East, a distance of 119.04', thence South 85°57'16" West, a distance of 212.88'; thence North 20°10'08" East, a distance of 132.23'; thence 62.48' along the arc or a curve to the right, said arc having a radius of 63.00', and being subtended by a chord bearing North 28°31'07" West, a chord distance of 59.95'; thence North 03°49'54" East, a distance of 127.12'; thence North 83°33'52" West, a distance of 300.68'; thence South 86°53'06" West, a distance of 140.23'; thence South 02°12'24" East, a distance of 90.57'; thence South 02°12'24" East, a distance of 38.06'; thence South 06°56'07" East, a distance of 99.61'; thence South 10°23'28" East, a distance of 223.80'; thence North 86°53'06" East, a distance of 159.24' to the eastern right-of-way line of Village Path Drive (r/w varies - not less than 30') and continuing along such eastern and northern right-of-way line the following courses and distances: north 75 57'37" east, a distance of 27.42'; thence south 09 40'12" east, a distance of 70.99; thence 67.21' along the arc of a curve to the left, said arc having a radius of 75.00', and being subtended by a chord bearing south 34 46'14" east, a chord distance of 64.98'; thence south 60 26'32" east, a distance of 51.37'; thence 47.36' along the arc of a curve to the left, said arc having a radius of 72.00', and being subtended by a chord bearing south 79 17'12" east, a chord distance of 46.51'; thence north 82 25'77" east, a distance of 99.78'; thence north 81 06'01" east, a distance of 80.25'; thence 4.22' along the arc of a curve to the right, said arc having a radius of 500.00', and being subtended by a chord bearing north 79 42'45" east, a chord distance of 24.21'; thence 30.79' along the arc of a curve to the left, said arc having a radius of 2267.99', and being subtended by a chord bearing north 77 56'34" east, a chord distance of 30.79'; thence 61.26' along the arc of a curve to the left, said arc having a radius of 567.39', and being subtended by a chord bearing north 76 42'05" east, a chord distance of 61.23'; thence 46.59' along the arc of a curve to the right, said arc having a radius of 182.84', and being subtended by a chord bearing north 82 38'73" east, a chord distance of 46.46'; thence north 89 56'19" east, a distance of 104.23'; thence 35.47' along the arc of a curve to the left, said arc having a radius of 173.20', and being subtended by a chord bearing north 84 04'17" east, a chord distance of 35.41'; thence departing the right-of-way of Village Path and running thence north 25 45'45" west, a distance of 37.00'; thence north 72 36'71" east, a distance of 60.00'; thence north 44 52'24" east, a distance of 89.62'; thence north 44 52'02" east, a distance of 107 01'; thence north 30 00'38" east, a distance of 60.10'; thence north 22 34'47" east, a distance of 86.99'; thence north 60 41'57" east, a distance of 20.00' to a point on the western right-of-way line of Waterfall Drive and the Point of Beginning. The aforementioned tract or parcel is subject to the Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Book S-18, Pages 309-342, Clerk's Office Rabun Superior Court as amended by First Amendment thereto dated June 15, 1999, recorded at Deed Book X18, Page 442, of said records, and any and all amendments or modifications thereto of record. The property herein conveyed is subject to a 10 foot easement around all property lines for future utilities and drainage. The property herein conveyed is subject to that 10' landscape and pedestrian easement as shown upon the above-referenced plat of survey. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 2001, recorded in Deed Book S-20, Page 565, Clerk's Office, Rabun Superior Court, and pertaining to the sewer system of Waterfall of Lake Burton. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 200, recorded in Deed Book R-20, Page 462, Clerk's office, Rabun Superior Court, and pertaining to the utility system of Waterfall of Lake Burton. The property herein conveyed is subject to, if any, the rights of others to use that road which crosses portions of the northern boundary of the above-described 12.43 acre tract as same is shown upon the above-referenced plat of survey. Conveyed herewith are any and all benefits and rights pertaining to the sewer and utility system of Waterfall at Lake Burton as same pertain to the property herein conveyed. Conveyed herewith is a non-exclusive, perpetual easement for ingress and egress over and across those subdivision roads of Waterfall at Lake Burton from the US Highway 76 - Georgia Highway No. 2 to the above-described property herein conveyed. LESS AND EXCEPT THE FOLLOWING: 1. All property as shown on Plat of Survey for Phase 1 Waterfall Villas, dated January 18, 2005, recorded in Plat Book 54, page 49, Rabun County, Georgia records. 2. All property as shown on Plat of Survey for Future Waterfall Club House, dated January 18, 2005, recorded in Plat Book 54, page 51, aforesaid records.3. All of Lots 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 and 14 of Unit 1, Block "L" of Waterfall at Lake Burton as shown on plat, dated February 23, 2005, recorded in Plat Book 54, page 57, aforesaid records. 4. All property as shown on Plat of Parking for Club House, dated March 3, 2005, recorded in Plat Book 54, page 50 aforesaid records. TRACT 2: ALL THAT TRACT OR PARCEL OF LAND containing 5.76 acres (more or less), lying and being in Land Lots 6 of the District and Land Lot 91 of the 5th District, Rabun County Georgia as shown upon that particular plat of survey dated November 25, 2002, prepared by Wayne A. Powers, Georgia Registered Land Surveyor #2891, and recorded in Plat Book 49, Page 154, Clerk's office, Rabun Superior Court, and being described as follows: Beginning at the intersection of the northern right-of-way line of U.S. Route 76 (variable r/w) and the eastern boundary of Land Lot 91 of the 5th District, Rabun County, Georgia and running thence 75.12' along the arc of a curve to the left in the northern right-of-way line of U.S. Rout 76, said arc having a radius of 552.46', and being subtended by a chord bearing South 89°13'00" West a chord distance of 75.06' to a point; thence North 04°40'43" West, along the northern right-of-way line of U.S. Route 76, a distance of 25.00' to a point; thence 1112.57' along the arc of a curve tot eh left in the northern right-of-way line of U.S. Route 76, said arc having a radius of 577,46' and being subtended by a chord bearing South 79°44"13" West, a chord distance of 112.39" to a point; thence departing the northern right-of-way line of U.S. Route 76 and running North 02°44"34" West, a distance of 85.37' to a point; thence North 00°02'15" West, a distance of 129.52 to a point; thence 14.40 along the arc of a curve to the right, said arc having a radius of 100.00' and being subtended by a chord bearing South 72°34'38" West, a chord distance of 14.39' to a point; thence South 76°42'09" West, a distance of 82.11 to a point; thence 54.40' along the arc of a curve tot he right, said arc having a radius of 60.24' and being subtended by a chord bearing North 77°25'40" West, a chord distance of 52.57' to a point located on the southern right-of-way line of Magnolia Place (40' r/w) and running thence along the right-of-way line of Magnolia Place and following courses and distance: 35.31 ' along the arc of a curve to the left, said arc having a radius of 1520.00' and being subtended by a chord bearing North 59°49'54" East a chord distance of 35.31' to a point; thence 51.51' along the arc of a curve to the left, said arc having a radius of 1520.00' and being subtended by a chord bearing North 58°11'43" East, a chord distance of 51.51' to a point; thence 33.06' along the arc of a curve to the left, said arc having a radius of 420.00' and being subtended by a chord bearing North 54°58'10" East, a chord distance of 33.05' to a point; thence 24.73' along the arc of a curve to the right, said arc having a radius of 30,00' and being subtended by a chord bearing North 76°19'30" East, a chord distance of 24.03'; thence 246.40 along the arc of a curve to the left, said arc having a radius of 50' and being subtended by a chord bearing North 41°14'28" West, a chord distance of 62.69' to a point; thence 29.46' along the arc of a curve to the right, said arc having a radius of 30.00' and being subtended by a chord bearing South 25°42'53" West, a chord distance of 28.29' to a point; thence 22.40 along the arc of a curve to the right, said arc having a radius of 380.00' and being subtended by a chord bearing South 55°32'09" West, a chord distance of 22.40' to a point; thence 206.81' along the arc of a curve tot he right, said arc having a radius of 1480.00' and being subtended by a chord bearing South 61°13'40" West, a chord distance of 206.64' to a point; thence 48.32' along the arc of a curve to the right, said arc having a radius of 1480.00' and being subtended by a chord bearing South 66°09'59" West, a chord distance of 48.32' to a point; thence 148.29' along the arc of a curve to the right, said arc having a radius of 1480.00' and being subtended by a chord bearing South 69°58'19" West, a chord distance of 148.22' to a point; thence departing the northern right-of-way line of Magnolia Place and running thence North 17°31'24" East, a distance of 20.88; thence North 28°44'37" East, a distance of 23.39'; thence North 53°04'41" East, a distance of 43.61'; thence North 20°31'48" East, a distance of 72.11'; thence North 14°59'09" West, a distance of 38.01', thence North 07°57'58" East, a distance of 31.00; thence North 33°29'41" East, a distance of 40.29'; thence North 13°22'08" East, a distance of 56.02'; thence North 36°33'05" East, a distance of 136.83'; thence North 51°02'58" East, a distance of 100.34'; thence North 32°51'35" East, a distance of 89.30'; thence North 42°34'18" East, a distance of 95.78'; thence South 63°26'31" East, a distance of 24.00'; thence South 73°14'07" East, a distance of 18.88'; thence South 05°01'37" West, a distance of 99.16'; thence South 12°22'00" West, a distance of 50.23; thence South 05°18'07" East, a distance of 169.04'; thence North 44°54'25" East, a distance of 151.70'; thence North 51°14'19" East, a distance of 143.84'; thence North 89°41'15" East, a distance of 131.10' to a point located on the common boundary line between Land Lots 5 and 6 of the 1st Land District , Rabun County, Georgia and running thence along such boundary line South 00°55'00" East, a distance of 654.15 to a point located on the northern right-of-way line of U. S. Route 76 (variable r/w) and the Point of Beginning. The property herein conveyed is subject to that certain Golf Easement Agreement between Georgia Power Company and Lake Burton Development, LLC dated January 9, 1998 and recorded in Deed Book _____, Page _____, Clerk's office, Rabun Superior Court. Lot 12, Block H of the above-described property is conveyed subject to those restrictions contained in that Limited Warranty Deed from Georgia Power Company to Lake Burton Development, LLC dated January 9, 1998 and recorded in Deed Book P-17, Page 34, aforesaid records. Conveyed herewith is a non-exclusive, perpetual easement for ingress and egress over and across those subdivision road of Waterfall at Lake Burton from the U. S. Highway 76 - Georgia Highway No. 2 to the above-described property herein conveyed. The property herein conveyed is subject to the Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Book S-18, Page 309-342, Clerk's Office Rabun Superior Court as amended by First Amendment thereto dated June 15, 1999, recorded at Deed Book X18, Page 442, of said records, and any and all amendments or modifications thereto of record. The property herein conveyed is subject to a 10 foot easement around all property lines for future utilities and drainage. The property herein conveyed is subject to that 10' landscape and pedestrian easement as shown upon the above-referenced plat of survey. The property herein conveyed is subject to those setback lines as same are shown upon that plat of survey recorded in Plat Book 49, Page 154, Clerk' office, Rabun Superior Court. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 2001, recorded in Deed Book S-20, Page 565, Clerk's Office, Rabun Superior Court, and pertaining to the sewer system of Waterfall of Lake Burton. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 200, recorded in Deed Book R-20, Page 462, Clerk's office, Rabun Superior Court, and pertaining to the utility system of Waterfall of Lake Burton. Conveyed herewith are any and all benefits and rights pertaining to the sewer and utility system of Waterfall at Lake Burton as same pertain to the property herein conveyed. LESS AND EXCEPT THE FOLLOWING: 1. All of Lots 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12 of Unit 1, Block "H" of Waterfall at Lake Burton as shown on Final Subdivision Plat of Unit 1 Block H of Waterfall at Lake Burton, dated November 25, 2002, recorded in Plat Book 50, page 2, Rabun County, Georgia records. 2. All property as conveyed in Limited Warranty Deed from Lake Burton Development, LLC to Williams-Rhineheart, LLC, dated August 18, 2003, recorded in Deed Book X-24, page 69, aforesaid records. The Secured Indebtedness has been and is hereby accelerated and declared due because of, among other possible events of default, failure to pay the Secured Indebtedness as and when due and in the manner provided in the instruments evidencing the Secured Indebtedness and Security Deed. As the Secured Indebtedness remains in default, the sale will be made for purposes of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (written notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed. To the best knowledge and belief of the undersigned, the party in possession of the property is the Grantor or a tenant or tenants claiming through it. Cadence Bank, N.A., Attorney-in-Fact and Agent for Lake Burton Development, LLC, Bryan T. Glover, Burr & Forman LLP, 171 Seventeenth Street, N.W., Suite 1100, Atlanta, Georgia 30363 Email: bglover@burr.com, Phone: (404) 815-3000, Facsimile: (404) 817-3244. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

Notice of Sale Under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt given by Lake Burton Development, LLC (the “Grantor”) to Cadence Bank, N.A. ("Lender") dated November 9, 2007 and recorded November 15, 2007 in Deed Book X-32, Page 355, Rabun County, Georgia official records (together with any and all additional amendments and modifications, collectively hereinafter referred to as the “Security Deed”), conveying the property described below to secure repayment of: (i) that certain Commercial Fixed Rate Promissory Note given by Grantor to Lender dated November 20, 2008 in the stated principal amount of $1,097,328.00, together with interest thereon as set forth therein; (ii) that certain Commercial Variable Rate Promissory Note given by Grantor to Lender dated November 18, 2008 in the stated principal amount of $200,768.00, together with interest thereon as set forth therein; and (iii) any and all other indebtedness, plus interest thereon, due and owing by Grantor to Lender, whether now existing or hereinafter created (together with any and all prior notes, amendments or modifications, collectively hereinafter referred to as the “Secured Indebtedness”), there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December 2011 (being December 6, 2011) the following described parcel of real property together with all improvements, personalty, fixtures, easements, hereditaments, rights, members, and appurtenances located thereon and described in the Security Deed: All that tract or parcel of land lying and being in Land Lot 24 of the Fourth Land District of Rabun County, Georgia, and being designated as Lot 4 containing 0.25 acres, Lot 5 containing 0.24 acres, Lot 6 containing 0.24 acres, Lot 11 containing 0.15 acres, Lot 12 containing 0.17 acres, Lot 17 containing 0.21 acres, Lot 21 containing 0.35 acres, Lot 23 containing 0.31 acres, Lot 30 containing 0.40 acres and Lot 32 containing 0.45 acres of The Timbers of Kingwood Estates as shown on that certain plat of survey prepared by Wayne A. Powers, Georgia Registered Land Surveyor No. 2891, dated December 28, 2005, which is recorded in the office of the Clerk of Rabun Superior Court in Plat Book 56, Page 169-171. Said plat and the record thereof are hereby incorporated herein and made a part hereof by reference. The property herein conveyed is subject to that Declaration of Covenants, Conditions and Restrictions for The Timbers at Kingwood recorded in Deed Book 0-25, Page 638, Clerk's office, Rabun Superior Court, and all modifications and amendments of record thereto. Conveyed herewith is a perpetual, non-exclusive easement for the use, maintenance and repair of water and sewer lines which traverse adjacent property owned by Kingwood, LLC which serve the above referenced tract of land. Conveyed herewith is a perpetual non-exclusive easement for access ingress and egress over and across the subdivision roads to and from the above-referenced tracts of land to the public road system. This property is subject to the covenants and restrictions for Kingwood Subdivision recorded in the Clerk's office, Rabun Superior Court in Deed Book E-18, Pages 98-107, Deed Book A-7, Pages 487-505, Deed Book L-18, Pages 98-148 and Deed Book 0-27, Page 359, and all modifications and amendments of record thereto. The above described Lots 4, 5, 6 and 17 are subject to that certain ingress/egress easement extending from Timberridge Drive to Lot 1, as same is shown upon the above referenced plat of survey. The Secured Indebtedness has been and is hereby accelerated and declared due because of, among other possible events of default, failure to pay the Secured Indebtedness as and when due and in the manner provided in the instruments evidencing the Secured Indebtedness and Security Deed. As the Secured Indebtedness remains in default, the sale will be made for purposes of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (written notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed. To the best knowledge and belief of the undersigned, the party in possession of the property is the Grantor or a tenant or tenants claiming through it. Cadence Bank, N.A., Attorney-in-Fact and Agent for Lake Burton Development, LLC, Bryan T. Glover, Burr & Forman LLP, 171 Seventeenth Street, N.W., Suite 1100, Atlanta, Georgia 30363, Email: bglover@burr.com, Phone: (404) 815-3000 Facsimile: (404) 817-3244. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from JEANNE T. HUNT, STEPHEN D. HUNT to Mortgage Electronic Registration Systems, Inc as nominee for Countrywide Bank , FSB, dated June 21, 2007, recorded June 29, 2007, in Deed Book G32, Page 621-639, Rabun County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Million Three Hundred Twenty-Eight Thousand and 00/100 dollars ($1,328,000.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2007-OH3, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OH3, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 145 OF THE SECOND LAND DISTRICT OF RABUN COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS LOT 44, PHASE I OF THE RIDGES OF RABUN CONTAINING 1.436 ACRES, AS DEPICTED ON THE PLAT OF SURVEY DATED OCTOBER 5, 2004, AND PREPARED BY EDWIN G. DAVIDSON, GEORGIA REGISTERED LAND SURVEYOR NO. 2586. SAID PLAT IS OF RECORD IN PLAT BOOK 53, PAGES 161-165, IN THE OFFICE OF THE CLERK OF THE RABUN SUPERIOR COURT. REFERENCE IS HAD AND MADE TO SAID PLAT AND THE RECORD THEREOF FOR A FULL AND COMPLETE DESCRIPTION OF LOT 44 AS DEPICTED THEREON. ALSO CONVEYED IS A PERPETUAL, NON-EXCLUSIVE ROAD RIGHT OF WAY EASEMENT OVER AND ACROSS THE ROADWAYS DEPICTED ON THE ABOVE DESCRIBED PLATS FOR THE PURPOSE OF PROVIDING INGRESS TO AND EGRESS FROM SAID TRACT OR PARCEL OF LAND WITH THE PUBLIC ROAD SYSTEM OF RABUN COUNTY, GEORGIA. SAID TRACT OR PARCEL OF LAND IS HEREBY CONVEYED SUBJECT TO THE RIGHTS OF OTHERS TO USE SAID ROADWAYS. THE ABOVE DESCRIBED TRACT OR PARCEL OF LAND IS CONVEYED SUBJECT TO THOSE DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE RIDGES OF RABUN OF RECORD IN DEED BOOK G- 27, PAGES 584-617, AFORESAID RECORDS. Said property is commonly known as 258 GREEN MEADOWS DRIVE, RABUN GAP, GA 30568. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an 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; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is JEANNE T. HUNT, STEPHEN D. HUNT, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2007-OH3, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OH3 as Attorney in Fact for JEANNE T. HUNT, STEPHEN D. HUNT. Lender Contact: BAC, Loss Mitigation Dept., P.O. Box 940070, Simi Valley, CA 93094-0070, Telephone Number: 800-720-3758 Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092 Telephone Number: (877) 813-0992 Case No. BAC-11-11098-1. www.rubinlubin.com/property-listings.php.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from KIMBERLY A WOOTEN AND DEVIN WOOTEN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC ACTING SOLELY AS A NOMINEE FOR SHELTER MORTGAGE COMPANY, LLC DBA FAIRFIELD MORTGAGE, dated January 26, 2007, recorded February 2, 2007, in Deed Book m31, Page 11-25, Rabun County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Seventy-Nine Thousand Nine Hundred and 00/100 dollars ($79,900.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to GUARANTY BANK, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND BEING LOT 61 IN BLOCK 61 IN BLOCK 5 OF CLATTON TERRACE SUBDIVISION, ACCORDING TO THE PLAT THEREOF, RECORDED IN PLAT BOOK 5, PAGE 172, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RABUN COUNTY, GEORGIA, AND SAID PROPERTY LYING IN BEING IN LAND LOT 21 OF THE 5TH DISTRICT, RABUN COUNTY, GEORGIA, SAID PLAT IS HEREBY REFERRED TO FOR THE PURPOSE OF INCORPORATING THE SAME AS A PART HEREIN. Said property is commonly known as 65 JERICHO LANE, CLAYTON, GA 30525. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an 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; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is KIMBERLY A WOOTEN AND DEVIN WOOTEN, DEVIN WOOTEN, KIMBERLY A WOOTEN, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

GUARANTY BANK as Attorney in Fact for KIMBERLY A WOOTEN AND DEVIN WOOTEN. Lender Contact: GUARANTY, Loss Mitigation Dept., 4000 W. Brown Deer Road, Milwaukee, WI 53209, Telephone Number: 800-741-4605, Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092

Telephone Number: (877) 813-0992 Case No. GTY-11-08793-2, www.rubinlubin.com/property-listings.php.

11-10-17-24-12-1

Notice of Sale Under Power.

State of Georgia, County of RABUN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by DAVID E FRIEDRICHS AND ANGIE M FRIEDRICHS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR FIRST MAGNUS FINANCIAL CORPORATION , dated 11/07/2001, and Recorded on 11/21/2001 as Book No. R-21 and Page No. 408-417, RABUN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A., by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $87,647.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the RABUN County Courthouse within the legal hours of sale on the first Tuesday in December, 2011, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 47 OF THE FOURTH LAND DISTRICT OF RABUN COUNTY, GEORGIA AND BEING DESIGNATED AS TRACT 4-A CONTAINING 1.68 ACRES AS MORE PARTICULARLY DESCRIBED ACCORDING TO THAT CERTAIN PLAT OF SURVEY DATED, REVISED AUGUST 6, 1981, AND PREPARED BY T. LAMAR EDWARDS, GEORGIA REGISTERED LAND SURVEYOR NO. 1837, SAID PLAT BEING RECORDED IN PLAT BOOK 16, PAGE 248 IN THE OFFICE OF THE CLERK OF THE RABUN SUPERIOR COURT. REFERENCE IS HEREBY HAD AND MADE TO SAID PLAT BEING FOR THE EXPRESS PURPOSE OF INCORPORATING ITS DESCRIPTION HEREIN. ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 47 OF THE FOURTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS, TO WIT: FOR A FULL AND COMPLETE DESCRIPTION OF THE REAL PROPERTY BEING HEREBY CONVEYED, REFERENCE IS HEREBY HAD AND MADE TO A PLAT OR SURVEY REVISED AUGUST 6, 1981 AND PREPARED BY T. LAMAR EDWARDS, GEORGIA REGISTERED LAND SURVEYOR NUMBER 1837. THE REAL PROPERTY BEING HEREBY CONVEYED IS TRACT 4-A CONTAINING 1.68 ACRES. SAID PLAT IS OF RECORD IN PLAT BOOK 16, PAGE 248 IN THE OFFICE OF THE CLERK OF THE RABUN SUPERIOR COURT. REFERENCE TO SAID PLAT AND THE RECORD THEREOF IS FOR THE EXPRESS PURPOSE OF INCORPORATING HEREIN ITS DESCRIPTION OF SAID TRACT 4-A CONTAINING 1.68 ACRES AS DEPICTED ON SAID PLAT. NOTE: SAID TRACT OR PARCEL OF LAND IS SUBJECT TO THOSE CERTAIN RESTRICTIONS AND EASEMENT AS CONTAINED IN A WARRANTY DEED DATED MAY 18, 1984 FROM WALTER KEITH VAN NUS AND EILEEN DAINE VAN NUS TO GRANTOR HEREIN AND SUBJECT TO EASEMENT RIGHTS IN A WARRANTY DEED TO CHARLES R. LACKEY IN DEED BOOK E-12, PAGE 702, AFORESAID RECORDS. NOTE: GRANTOR SPECIFICALLY WARRANTS TO GRANTEES THEIR HEIRS, SUCCESSORS AND ASSIGNS EASEMENT RIGHTS FOR USE OF THAT CERTAIN ROADWAY SHOWN AS ACCESS TO SAID PROPERTY AND WATER RIGHTS TO THE SPRING AND RESERVOIR LOCATED ON ADJOINING PROPERTY SHOWN ON THE ABOVE REFERENCED PLAT WHCIH FURNISHES WATER TO SAID PROPERTY AS WELL AS THE RIGHT TO MAINTAIN SAID WATER SYSTEM. NOTE: THE ABOVE TRACT 4-A CONTAINING 1.68 ACRES IS BEING CONVEYED TOGETHER WITH THAT CERTAIN HOUSING UNIT WHICH WAS FORMERLY PERSONALLY BUT IS NOW PERMANENTLY ANNEXED AND AFFIXED TO THE ABOVE DESCRIBED LAND AS A PERMANENT IMPROVEMENT AND WHICH IS A 2000. DYNASTY DOUBLEWIDE MOBILE HOME WITH MODEL NUMBER: 27 X 72 5 + 3 SMH82 AND WITH SERIAL NUMBER: H814296GL&R. GRANTOR(S)/BORROWER(S) AND GRANTEE/LENDER HEREBY ACKNOWLEDGE THEIR INTENTION THAT THE HOUSING UNIT REFERRED TO IN THE ABOVE DESCRIPTION OF THE PROPERTY IS AND SHALL FOREVER REMAIN PERMANENTLY AFFIXED AS PART OF THE REAL PROPERTY HEREIN CONVEYED AND SECURING ALL SUMS SECURED BY THIS DEED. IN RECOGNITION THAT SAID HOUSING UNIT HAS NOW AND FOREVER CEASED TO BE PERSONAL PROPERTY, GRANTOR(S)/BORROWER(S) HEREBY WAIVES ANY AND ALL RIGHTS GRANTOR(S)/BORROWER(S) MAY HAVE THE EVENT GRANTOR(S)/BORROWER(S) BREACHES ANY COVENANT OR AGREEMENT IN THIS DEED TO REQUIRE GRANTEE/LENDER TO RESORT TO ANY REMEDY OTHER THAN THOSE SET FORTH ABOVE. GRANTOR(S)/BORROWER(S) SPECIFICALLY WAIVES THE RIGHT TO REQUIRE ANY TYPE OF JUDICIAL FORECLOSURE OF GRANTEE/LENDER'S SECURITY INTEREST IN SAID HOUSING UNIT UNDER ANY PROVISION OF GEORGIA LAW. IF GRANTOR(S) BORROWER(S) COMMITS ANY BREACH AND GRANTEE/LENDER INVOKES THE POWER OF SALE SET FORTH IN THIS SECURITY DEED, THEN GRANTOR(S)/BORROWER(S) HEREBY APPOINTS GRANTEE/LENDER GRANTOR(S)/BORROWER(S) AGENT AND ATTORNEY IN FACT TO CONVEY TITLE TO SAID HOUSING UNIT IF AND TO THE EXTENT REQUIRED UNDER THE GEORGIA MOTOR VEHICLE CERTIFICATE OF TITLE ACT, OR ANY OTHER APPLICABLE LAW. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: FirstClientLegalName ( Total 70 characters, 2001 Stradivarius(ClientAddr1), Foreclosure ClientAddr2, Carrollton, TX 75281, . Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 368 SHE CREEK LANE, CLAYTON, GEORGIA 30525 is/are: DAVID E FRIEDRICHS AND ANGIE M FRIEDRICHS or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. WELLS FARGO BANK, N.A. as Attorney in Fact for DAVID E FRIEDRICHS AND ANGIE M FRIEDRICHS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20110000100001 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF RABUN.

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt (“Security Deed”) executed by Frederick Merrill Brown, Jr. in favor of Community Bank & Trust, dated December 12, 2003, and recorded at Deed Book O-25, Pages 32-34 of the Rabun County, Georgia Deed Records as assigned pursuant to that Transfer and Assignment of Deed to Secure Debt from FDIC, as receiver for Community Bank & Trust to SCBT, N.A., d/b/a CBT, a Division of SCBT, N.A. dated January 28, 2011, and recorded at Deed Book Y-36, pages 583-598 of the aforesaid deed records, the undersigned will sell at public outcry to the highest bidder for cash before the door of the Courthouse of Rabun County, Georgia, during the legal hours of sale, on the first Tuesday in December, 2011, that being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 70 of the Second Land District of Rabun County, Georgia, consisting of 4.41 acres as shown upon that certain plat of survey dated March 22, 2001, prepared by Kenyon L. Miller, F.R.L.S. #2595. Said survey being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 46, page 92. Said plat and the record of the same being incorporated herein by reference for a full and complete description of the above-described land being Lots 113, 114, and 115 of Heaven’s Landing Subdivision, Rabun County, Georgia. Also conveyed is an easement along the presently existing gravel drive southerly to Little Creek Road, said easement being for ingress and egress to the above described property, including utilities, where applicable. The above-described land is conveyed subject to the following: 1. The easement rights of Habersham Electric Membership Corporation to a power line easement with the right to trim and maintain said power line as it crosses and traverses said tract as shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 42, page 154. 2. Riparian rights of upper and lower and abutting owners in and to the creeks, springs, branches, crossing or adjoining said lands free from diminution or pollution. Said property is conveyed subject to previous reservation of Heaven’s Landing, LLC, its successors, transferees and assigns a perpetual non-exclusive easement for use, maintenance and repair of a road forty (40) feet in width extending along and with the southwesterly boundary of the above-described property and being shown upon the above-referenced plat of survey. Said easement shall be forty (40) feet in width with twenty (20) feet lying on each side of the centerline of said easement, and the centerline of said easement is more fully shown upon the above-referenced plat of survey. There is also conveyed all of the Grantor’s easement rights to use Little Creek Public Road extending from the southerly boundary of adjoining property of Grantor to Devil’s Branch Road. The debt secured by said Security Deed is primarily evidenced by a Commercial Promissory Note (“Note”) executed by Frederick Merrill Brown, Jr., dated April 3, 2008, in the original principal amount of $635,375.28, payable from the date thereof shown on said Note on the unpaid balance and interest until paid. Default has occurred in the payment of the debt evidenced by the Note and secured by the Security Deed as a result of the nonpayment of installments owed thereunder. The total balance of said debt has, therefore, been declared due and the Security Deed foreclosable according to its terms. The debt remaining in default, the property will be sold to the highest bidder for cash as the property of Frederick Merrill Brown, Jr., the proceeds to be applied to the payment of said indebtedness, and the lawful expenses of said sale, all as provided in the Note and the Security Deed, said sale to be subject to any and all unpaid taxes and assessments, and restrictions, easements and liens of record with priority over the Security Deed referenced above. A Consent Order Modifying Automatic Stay dated October 17, 2011 has been entered in the Frederick Merrill Brown, Jr. Chapter 7 Bankruptcy Case No.11-22899-reb, U.S. Bankruptcy Court, Northern District of Georgia, Gainesville Division. To the best of the undersigned's knowledge and belief, the property is in the possession of Frederick Merrill Brown, Jr. and will be sold as the property of Frederick Merrill Brown, Jr. The undersigned will execute a deed to the purchaser as authorized in the aforementioned Security Deed. Frederick Merrill Brown, Jr. By SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-Fact, Paul B. Smart, Hulsey, Oliver & Mahar, LLP

P. O. Box 1457, Gainesville, GA 30503, (770) 532-6312

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Charles W. Harden to Long Beach Mortgage Company dated January 13, 2006, and recorded in Deed Book N29, Page 636, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Trust 2006-2 by Assignment, securing a Note in the original principal amount of $125,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, December 6, 2011, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 21 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA IN THE CITY OF CLAYTON AND BEING LOT 43 AND LOT 44, BLOCK 5 OF CLAYTON TERRACE SUBDIVISION CONTAINING 0.32 ACRES AS MORE PARTICULARLY DESCRIBED UPON THAT CERTAIN PLAT OF SURVEY PREPARED BY WILLIAM F. ROLADER, GEORGIA REGISTERED LAND SURVEYOR NO. 2042, DATED JANUARY 10, 2005, WHICH IS RECORDED IN PLAT BOOK 53, PAGE 278, CLERK'S OFFICE, RABUN COUNTY SUPERIOR COURT. REFERENCE IS HAD AND MADE TO SAID PLAT OF SURVEY FOR A FULL AND COMPLETE DESCRIPTION OF THE PROPERTY HEREIN CONVEYED. REFERENCE IS ALSO HAD AND MADE TO A WARRANTY DEED DATED MAY 4, 1983 FROM M.H. DAVIS PROPERTIES, INC. TO JOSEPH HARDY, JR. AND OF RECORD IN DEED BOOK Q-8, PAGE 699, AFORESAID RECORDS. THE ABOVE DESCRIPTION TRACT OF LAND IS CONVEYED SUBJECT TO THOSE RESTRICTIVE COVENANTS AS SET FORTH IN SAID WARRANTY DEED AND THAT ARE COVENANTS RUNNING WITH THE LAND. Said property is known as 43 Clayton Terrace, Clayton, GA 30525, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Charles W. Harden, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Charles W. Harden, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney's fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law. Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-2 as Attorney-in-Fact for Charles W. Harden, File no. 09-019801, SHAPIRO & SWERTFEGER, LLP*, Attorneys and Counselors at Law, 2872 Woodcock Blvd., Duke Building, Suite 100, Atlanta, GA 30341-3941(770)220-2535/AS www.swertfeger.net. *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Mary Lou Buchanan to Mortgage Electronic Registration Systems, Inc. as nominee for Advanced Financial Services, Inc., its successors and assigns dated May 13, 2008 in the amount of $140,500.00, and recorded in Deed Book S33, Page 263, Rabun County, Georgia Records; as last transferred to GMAC Mortgage, LLC, successor by merger to GMAC Mortgage Corporation by assignment; the undersigned, GMAC Mortgage, LLC, successor by merger to GMAC Mortgage Corporation pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 190 of the Second Land District, Rabun County, Georgia, consisting of 2.28 acres and being Lot 2 as more particularly shown and described on a plat of survey dated December 16, 1989, prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837 and recorded in Plat Book 27, Page 225 of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein by reference. Also the right to use a Road Right-of-Way as described in an Easement dated 8/4/76 and recorded in Deed Book C-6, Page 112 of the Rabun County Deed records, said Easement being granted as a non-exclusive mutual use easement for the purpose of ingress and egress to the property herein described, Grantors reserve for themselves, their successors and assigns the right to utilize the easement to access other adjoining property as shown of said Plat, which has the property address of 894 Ledford Rd, Dillard, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Mary Lou Buchanan and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. GMAC Mortgage, LLC, successor by merger to GMAC Mortgage Corporation, Attorney in Fact for Mary Lou Buchanan, McCurdy & Candler, L.L.C. (404) 373-1612, www.mccurdycandler.com, File No. 09-16956 /FNMA/cyeats. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,14,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay to Red River Bank, dated October 27, 2000, recorded in Deed Book E-20, Page 426, Rabun County, Georgia Records, as last transferred to Standard Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY THOUSAND AND 0/100 DOLLARS ($130,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Standard Mortgage Corporation, 701 Poydras Street Suite 300, New Orleans, LA 70139, 504-569-3921. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay or a tenant or tenants and said property is more commonly known as 5 Cedar Lane, Dillard, Georgia 30537. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Standard Mortgage Corporation as Attorney in Fact for Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.forclosurehotline.net MR/ks9 12/6/11 Our file no. 51263211-FT17 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 169 of the Second Land District of Rabun County, Georgia, and being designated as Lot 8 Part 1 of Overlook Area, Sky Valley Subdivision containing 0.444 acre as shown on that certain plat of survey prepared by Edwin G. Davidson, Georgia Registered Land Surveyor No. 2586, dated October 24, 2000, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 45, Page 217. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. This conveyance is made subject to those certain restrictive covenants dated January 8, 1980 and recorded in Deed Book J-7, Pages 553-559 in the Office of the Clerk of Rabun Superior Court. MR/ks9 12/6/11 Our file no. 51263211 - FT17. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Jamison Ousley and Jennifer B. Carson, as Trustee of the Jennifer B. Carson Revocable Trust to Mortgage Electronic Registration Systems, Inc., dated July 23, 2007, recorded in Deed Book N32, Page 236, Rabun County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book E35, Page 336, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-SIX THOUSAND ONE HUNDRED TWENTY AND 0/100 DOLLARS ($186,120.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 2270 Lakeside Blvd., Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Jamison Ousley and Jennifer B. Carson, as Trustee of the Jennifer B. Carson Revocable Trust or a tenant or tenants and said property is more commonly known as 274 Sunset Drive, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP as Attorney in Fact for Jamison Ousley and Jennifer B. Carson, as Trustee of the Jennifer B. Carson Revocable Trust McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net, MR/krc1 12/6/11 Our file no. 51462209-FT10 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 86 of the Fifth Land District of Rabun County, Georgia, and being designated as Lot 5-D of Lake Burton Highlands, consisting of 1.07 acres as shown that certain plat of survey dated August 9, 2004, prepared by William F. Rolader, Georgia, Registered Land Surveyor No 2042, said plat being recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 53, Page 70. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed all of the easement rights acquired by Double "R" Enterprises, a partnership composed of John M. Ring And Christine B. Ring in an easement executed by Carole Ann Kann, dated December 21, 1994, and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book O-15, Pages 140-143. Said easement is incorporated herein by reference for a full and complete description of the easement rights herein conveyed. Said rights shall include the right of access, ingress and egress to and from the above-described lands as referred to in said easement. The above described lands are conveyed subject to the terms, conditions and obligations contained in an Easement Agreement, dated December 21, 1994, from Carole Ann Kann to Double "R" Enterprises, a partnership composed of John M. Ring and Christine B. Ring and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book O-15, Pages 140-143. Said easement is incorporated herein by reference for a full and complete description of the terms, conditions and obligations contained in such easement. The above described Lot 5-D is conveyed subject to the right of others to use any portion of the above described lands lying and being within the bounds of those roads and rights of way shown upon that plat of survey prepared by T. Lamar Edwards, dated revised October 15, 1987 and recorded in Plat Book 27, Page 33, aforementioned records. Furthermore, the property herein conveyed is subject to a perpetual non-exclusive easement for ingress and egress over and across that drive extending from the subdivision road across the eastern boundary of Lot 5-D to Lot 5-E as same is shown upon both of the above referenced plats of survey and described in that certain warranty deed from Double "R" Enterprises, a partnership composed of John M. Ring and Christine B. Ring to Peter D. Dunning and Sydney S. Dunning, recorded in Deed Book W-11, Page 110, aforementioned records. The above described Lot 5-D is conveyed subject to those "Restrictions for Sunset Cove" which are attached as Exhibit "A" to a deed recorded in the Office of the Clerk of Rabun Superior Court in Deed Book 0-15, Page 144. Said covenants shall constitute covenants running with the land and shall be binding upon the grantee, their heirs, successors, transferees and assigns. The above described Lot 5D is conveyed with and subject to any and all obligations, interest, easements and rights as described in that certain Joint Road and Well Use and Maintenance Agreement between Gaylynn Lakford and First Citizens Bank and Trust Company of South Carolina, as Trustee for the Wallace W. Brawley Revocable Trust dated January 31, 1985, dated October 31, 2003, and recorded in Deed Book K-25-, Pages 152-157, Clerk's Office, Rabun Superior Court. Commonly known as 274 Sunset Lane, Tiger, GA 30576 However, by showing this address no additional coverage is provided. MR/krc1 12/6/11 Our file no. 51462209 - FT10. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from Ian K. Perryman and Jennifer S. Perryman to Community Bank & Trust dated April 20, 2007, recorded among Rabun County, Georgia Records in Deed Book Y31, Page 369, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in December, 2011 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Ian K. Perryman and Jennifer S. Perryman the following described property: All that tract or parcel of land lying and being in Land Lot 2 of the 4th Land District, Rabun County, Georgia and being Tract 35 of Deerfield Subdivision containing 2.09 acres, more particularly described on a plat of survey dated April 15, 1994, revised April 7, 1995, revised July 24, 1995, prepared by T. Lamar Edwards, GRLS No. 1837 and recorded in Plat Book 37, page 116 of the Rabun County plat records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. The above described Tract 35 of Deerfield Subdivision borders Deerfield Drive, a public Road. The above-described property is conveyed subject to that certain Declaration of Restrictions for Deerfield Subdivision recorded in Deed Book B-15, page 245 of the Rabun County deed records. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. To the best of the undersigned's knowledge and belief, the parties in possession are Ian K. Perryman and Jennifer S. Perryman or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Ian K. Perryman and Jennifer S. Perryman. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. M. Keith York, Kimzey, Kimzey & York, P. O. Box 38, Cornelia, GA 30531 (706) 778-6823.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Deedee Bergbreiter to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $120,000.00 dated 01/11/2008, and recorded in Deed Book D33, page 28, Rabun County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by CitiMortgage, Inc., as Attorney-in-Fact for Deedee Bergbreiter the following described property: All that tract or parcel of land lying and being in Land Lot 36 of the Fifth Land District of Rabun County, Georgia and being designated as Lot 3B containing 1.00 acre, as more fully described upon that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated June 28, 2044, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 56, page 152. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the subject property, over and across that eight (8’) foot gravel drive as the same is shown upon the above-referenced plat of survey and over and across the other subdivision streets, which provide ingress and egress to and from the subject property from the public road system of Rabun County, Georgia. Conveyed subject to those certain Restrictive Covenants which are recorded in the Office of the Clerk of Rabun Superior Court in Deed Book Y-8, page 98 and that certain Roadway Easement dated June 1, 1983 recorded in Deed Book Y-8, Page 75, Rabun County Deed records. Property known as: 109 Wood Hen Way, Tiger, GA 30576. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc.,1000 Technology Drive O'Fallon, MO 63368, PHONE: 866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Deedee Bergbreiter. CitiMortgage, Inc., as Attorney-in-fact for Deedee Bergbreiter. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C., South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) www.penderlaw.com, Our File No. 11-11573.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Ian Keith Perryman and Jennifer Susan Perryman to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $204,000.00 dated 04/26/2004, and recorded in Deed Book E26, page 659, Rabun County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by CitiMortgage, Inc., as Attorney-in-Fact for Ian Keith Perryman and Jennifer Susan Perryman the following described property: All that tract or parcel of land lying and being in Land Lot 2 of the Fifth Land District of Rabun County, Georgia, and being more particularly described as follows, to wit: For a full and complete description of the real property being hereby described reference is hereby had and made to a plat of survey dated September 23, 1993, revised March 1, 1994 and prepared by T Lamar Edwards, Georgia Registered Land Surveyor No. 1837. The real property being hereby described is a 3.04 acre tract of land. Said plat is of record in Plat Book 33, Page 152 in the office of the clerk of the Rabun Superior Court. Reference is hereby had and made to said plat and the record thereof for the express purpose of incorporating herein its description of said 3.04 acre tract of land as depicted thereon. For a more full and complete description of the real property being hereby conveyed reference is also had and made to a plat of survey dated July 13, 1993 and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837. Said above described property is also designated as Lot 4 of Deerfield Subdivision containing 3.04 acres. Said property adjoins Deerfield, a public road. Said real property is hereby conveyed subject to a building restriction line (set back line) along all boundary lines as shown on said plat. As shown on said plat, the southernmost corner of said tract or parcel of land is traversed by a City of Clayton Water Line. Said tract or parcel of land is conveyed subject to the same. An easement for the installation of utilities fifteen (15) feet in width along all boundary lines is hereby reserved. The above conveyed tract or parcel of land is hereby conveyed subject to those certain restrictions of record in Deed Book X-14, pages 640-642, aforesaid records. Property known as: 193 Deerfield Dr, Clayton, GA 30525. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc., 1000 Technology Drive, O'Fallon, MO 63368, PHONE: 866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Ian Keith Perryman and Jennifer Susan Perryman. CitiMortgage, Inc., as Attorney-in-fact for Ian Keith Perryman and Jennifer Susan Perryman. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C., South Terraces, Suite 1000, 115 Perimeter Center Place , Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) 999-7088,

www.penderlaw.com, Our File No. 11-11406.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Bobby B Speed to Andrew Speed, Beulauh Love, and Calvin Speed in the original principal amount of $44,800.00 dated 3/12/1999, and recorded in Deed Book R-18, page 317, Rabun County records, said Security Deed being last transferred and assigned to CitiFinancial Mortgage Company, Inc. in Deed Book M-29, Page 445, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-Fact for Bobby B Speed the following described property:

All that tract or parcel of land lying and being in Land Lot 22 of the Second Land District, Rabun County, Georgia, and being shown as 0.88 acre, Lots 8, 9 & 10, Block 3, Earl Estates Subdivision in the City of Clayton, on plat of survey dated January 27, 1999, prepared by William F. Rolader, G.R.L.S. #2042, said plat recorded in Plat Book 41, Page 141, of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein for a more full and complete description of the property herein conveyed. Property known as: 160 Cannon St, Clayton, GA 30525. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc., 4050 Regent Blvd., Irving, TX 75063 PHONE:866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Bobby B Speed. CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-fact for Bobby B Speed. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C. South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) 999-7088, www.penderlaw.com, Our File No. 11-09043.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER IN SECURITY

STATE OF GEORGIA,

COUNTY OF RABUN.

On May 11, 2006, Jeremy B. Stancil and Danielle M. Stancil executed a Deed to Secure Debt to Stephens Federal Bank securing a note of even date for Sixty Seven Thousand and No/100 Dollars ($67,000.00), said security deed being recorded in Deed Book B30, Pages 436-454, Rabun County Records. Said security deed conveyed the property hereinafter described. By virtue of the power of sale contained in said security deed to Stephens Federal Bank, there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Rabun County Courthouse door in Rabun County, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in December, the same being December 6, 2011, the following described property: All that tract or parcel of land, lying and being in the Land Lot 1 of the Fourth Land District of Rabun County, Georgia and being Unit Number 247-C of Merrydale Condominiums (the “property”), as more particularly described in that certain Declaration of Condominium for Merrydale Condominiums (the “declaration”), dated November 18, 2005 and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book O-29, Page 350-392, and as shown upon that certain As-Built Site Plan for Merrydale Condominiums (the “site Plan”), dated September 7, 2005, revised October 17, 2005, prepared by T. Lamar Edward, Georgia Registered Land Surveyor No. 1837, and recorded in the Office of the Clerk of Rabun Superior Court in Condominium Plat Book 2, Pages 235-238, and on certain architectural plans certified by Donald L. Nelson, Georgia Registered Architect, No. 2799, (the “plans”), filed in the Office of the Clerk of Rabun Superior Court in Condominium Plat Book 2, Pages 235-238 together with all rights, title and interest appurtenant to the property and the appurtenances thereto under the declaration, site plans and the plans which are incorporated herein and made a part thereof. There is also conveyed a 12% undivided interest in the “common elements” of Merrydale Condominiums as such term is defined in the declaration. There is also conveyed a perpetual non-exclusive easement for access, ingress and egress to and from the above described lands over and across Merrydale Lane as shown on the above referenced plat of survey. Said easement shall be an easement appurtenant to the above described property and said easement shall inure to the benefit of said Grantee(s), his, her, their, its heirs, successors, measures and assigns. This conveyance is made subject to the following: 1. All the provisions of the Declaration of Condominium for Merrydale Condominiums and all the privileges, restrictions, reservations, limitations, conditions, options, agreements, uses, easements, assessments and provisions set forth or incorporated by reference therein as now or hereafter amended, including without limitation the Articles of Incorporation and By-Laws of Merrydale Condominium Association, Inc., and those matters shown upon the above referenced plat of survey and the Plans all of which are made covenants running with the Property and binding on the Grantee(s) whose exceptance of this deed is evidence of the agreement of the Grantee(s) to observe and be bound thereby. 2. City, State and County ad valorem property taxes and assessments for the current calendar year. 3. Grantor(s) reserves for himself, herself, themselves, their heirs, successors, transferees and assigns, a perpetual non-exclusive easement to use, maintain and repair Merrydale Lane as the same crosses and traverses the above described property all as shown upon the above referenced plat of survey. 4. There is excepted all of the easement rights of others if any, to use Merrydale Lane for access, ingress and egress to and from adjacent lands. 5. Grantor(s) reserve for himself, herself, itself, themselves, their heirs, successors transferees and assigns, a perpetual non-exclusive easement over, through and across the above described property for the purpose of installing and maintaining underground utilities, including but not limited to electricity, water, sewer, cable television serving the above described property. The property herein conveyed is subject to those Georgia Power Easements recorded in Deed Book R-3, Page 289, Deed Book R-3, Page 290 and Deed Book R-12, Page 99, Clerk’s Office, Rabun Superior Court. The debt secured by said security deed and note has been and is hereby declared due and payable because of default for non‑payment as required by the note and security deed. The debt having been declared due and payable and remaining unpaid, and the terms in the note and security deed remaining in default, this sale will be made for the purpose of paying the principal, accrued interest and attorney’s fees pursuant to the note and security deed, plus all expenses of this sale. Said property will be sold as the property of Jeremy B. Stancil and Danielle M. Stancil and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale. To the best knowledge and belief of the undersigned, equitable title to said property is now held by Jeremy B. Stancil and Danielle M. Stancil. The entity with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor is Stephens Federal Bank, Phone Number 706-886-2111. The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to Stephens Federal Bank. Dated this 3rd day of November, 2011. Stephens Federal Bank, Attorney-in-fact for Janney E. Sanders, Jeremy B. Stancil and Danielle M. Stancil, P. O. Box 1005, Toccoa, GA 30577, 706/886-7533, Attorney for Stephens Federal Bank .

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Louis T Edwards to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated November 9, 2006 in the amount of $111,000.00, and recorded in Deed Book C31, Page 1, Rabun County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 22 of the Fifth Land District of Rabun County, Georgia and containing 0.57 acre and being depicted as Tract 2 upon that plat of survey dated July 2, 2002 and prepared by William F. Rolander, Georgia Registered Land Surveyor No. 2042, and recorded in Plat Book 48, Page 17, Clerk`s Office, Rabun Superior Court. Reference is hereby made to said plat of survey for the purpose of incorporating same herein for a full and complete description of the property conveyed herein. The property herein conveyed is subject to that easement to Georgia Power Company dated July, 2002 and recorded in Deed Book Y-22, Page 584, Clerk`s Office, Rabun County Superior Court. Further, the property conveyed herein is subject to those covenants and restrictions of even date herewith and recorded in Deed Book A-23, Page 529, Clerk`s Office, Rabun Superior Court and any and all amendments thereto of record. The property herein conveyed is subject to a non-exclusive perpetual twenty foot (20`) easement over and across the Northeasterly corner of the above-referenced Tract 2 for the purpose of ingress and egress to Tract 3 from that road now or formerly known as Woodall Road. Conveyed herewith is a non-exclusive perpetual twenty foot (20`) easement over and across adjacent property for the purposes of ingress and egress to Tract 1 conveyed herein from that public road now or formerly known as Woodall Road. Said easement being shown upon the above-referenced plat of survey, which has the property address of 42 Brandon Trail, Tiger, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Louis T Edwards and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. CitiMortgage, Inc., Attorney in Fact for Louis T Edwards, McCurdy & Candler, L.L.C., (404) 373-161, www.mccurdycandler.com. File No. 11-07756 /FHLMC/sstojanovic. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Christopher Connor to Mortgage Electronic Registration Systems, Inc. as nominee for Sidus Financial, LLC dated February 13, 2008 in the amount of $135,000.00, and recorded in Deed Book G33, Page 422, Rabun County, Georgia Records; as last transferred to Federal National Mortgage Association by assignment; the undersigned, Federal National Mortgage Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 1 of the Fourth Land District of Rabun County, Georgia and being TRACT 2 consisting of 0.64 acre as described upon a plat of survey Dated July 24, 2002 last revised March 9, 2006 prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, said plat being recorded in the office of the Clerk of Rabun Superior Court in Plat Cabinet 59-90. Said plat of survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed by the Grantor to the Grantee a perpetual, non-exclusive easement for access, ingress and egress over and across that certain gravel driveway twenty (20`) feet in width extending from the Southerly boundary line of Merrydale Road over the adjacent lands of Melvin H. Johnson to the Northeast corner of the above-described property. Said Easement shall be for the purpose of access, ingress and egress to and from the above-described lands and shall be an Easement appurtenant to said lands and said Easement shall inure to the benefit of the Grantee, the Grantee`s heirs, successors, transferees and assigns. The Grantor reserves for the Grantor, the Grantor`s heirs, successors, transferees and assigns a perpetual, nonexclusive easement to use, maintain and repair that portion of that above-described right-of-way twenty (20`) feet in width which crosses the Northeastern corner of TRACT 2. Said easement shall be an Easement appurtenant to the adjacent lands of Melvin H. Johnson and shall insure to the benefit of Melvin H. Johnson, his heirs, successors, transferees and assigns, which has the property address of 204 Merrydale Lane, Clayton, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Christopher P. O`Connor and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Federal National Mortgage Association, Attorney in Fact for Christopher Connor, McCurdy & Candler, L.L.C., (404) 373-1612

www.mccurdycandler.com, File No. 11-16790 /FNMA/lfairgood. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Helen Decker and Clarence Decker to Mortgage Electronic Registration Systems, Inc. as nominee for Quicken Loans, Inc., its successors and assigns. dated August 10, 2007 in the amount of $200,800.00, and recorded in Deed Book P32, Page 392, Rabun County, Georgia Records; as last transferred to Aurora Bank FSB by assignment; the undersigned, Aurora Bank FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in land Lots 20 and 21 of the fifth Land District of Rabun County, Georgia, as shown on that certain Plat of Survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated February 5, 2004 and recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 51, Page 127. Reference is had and made to said plat and record of the same for a full and complete description to the property herein described, which has the property address of 201 Buckshot Ln, Tiger, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Helen Decker and Clarence Decker and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Aurora Bank FSB, Attorney in Fact for Helen Decker and Clarence Decker, McCurdy & Candler, L.L.C., (404) 373-1612 www.mccurdycandler.com, File No. 11-16871 /CONV/efisher. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from M, B, AND H, II, LLC to MOUNTAIN HERITAGE BANK dated January 31, 2008 and recorded in Deed Book F-33, Pages 29-32 of the Rabun County deed records given to secure a promissory note in the amount of Three HUNDRED TWENTY-FOUR THOUSAND AND 00/100 ($324,000.00) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: BUILDING, TRACT 1: All that tract or parcel of land lying and being in the City of Clayton, in Land Lot 21 of the Second Land District, of Rabun County, Georgia, being more particularly described as follows: BEGINNING at a point on the southwestern right of way of Savannah said point being located South 66 degrees 35 minuets 35 seconds East, 165.84 feet from the intersection of the centerline of Savannah Street and the centerline of Main Street being the TRUE POINT OF BEGINNING; from said TRUE POINT OF BEGINNING thence traveling along said Southeastern right of way of Savannah Street South 82 degrees 56 minutes 26 seconds East, 23.62 feet to a point located on said right of way; thence traveling along the property of Jim Bob, Inc. South 7 degrees 19 minuets 0 seconds West, 45.05 feet to a point; thence traveling along the property line of the property now or formerly owned by J.B. Parker, Sr., South 7 degrees 1 minute 26 seconds West, 55.10 feet to a point; thence traveling along the property line of the property now or formerly owned by Jack P. Green, Jr., North 82 degrees 50 minuets 10 seconds West, 33.14 feet; thence traveling along the property of the property now or formally owned by Carliss Ann Blake and partially along first floor dividing wall of the wall dividing the property described herein from said Blake property North 7 degrees 19 minuets 00 seconds East, 100.0 feet to a point located on the Southwestern right of way of Savannah Street, being the TRUE POINT OF BEGINNING, said property containing 0.07 acre of land as more particularly depicted upon that certain plat of survey for Lassiter-Clayton, LLC, prepared by Appalachian Surveying Company, Inc., dated May 10, 2001 most recently revised May 24, 2001, bearing the seal of William F. Rolader, Georgia Registered Land Surveyor No. 2042, and being recorded in Plat Book 57, Page 97, Clerk’s office, Rabun Superior Court said survey incorporated herein and made a part hereof by reference.

Together with the right in common with C & S Properties, LLLP, its successors and/or assigns, to the porch at the rear portion of the Davis-Roane Building(formerly Cannon-Roane Building), which is located on the property of C & S Properties, LLLP, adjacent to and West of the Fee Parcel. HALLWAY, TRACT 2: All of the airspace and above a horizontal plane at an elevation of 1,934.49 feet above the U.S.C. and G.S. 1929 adjusted mean sea level lying within the boundary of the following described property:

All that tract or parcel of land lying and being in the City of Clayton, in Land Lot 21 of the Second Land District of Rabun County, Georgia, being more particularly described as follows: COMMENCING at a point on the southwestern right of way of Savannah Street said point being located South 66 degrees 35 minutes 35 seconds East, 165.84 feet from the intersection of the centerline of Savannah Street and the centerline of Main Street; from said POINT OF COMMENCEMENT; thence traveling along said Southeastern right of way of Savannah Street South 82 degrees 56 minuets 26 seconds East, 23.62 feet to a point located on said right of way; thence traveling along the property of Jim Bob, Inc. South 7 degrees 1 minute 26 seconds West, 45.05 feet to a point; thence continuing along the property line of Jim Bob, Inc., South 83 degrees 27 minutes 28 seconds East, 9.24 feet to a point; thence traveling along the property line of the property now or formerly owned by J. B. Parker, Sr., South 7 degrees 1 minuet 26 seconds West, 55.10 feet to a point thence traveling along the property line of the property now or formerly owned by Jack P. Green, Jr., North 82 degrees 50 minuets 1- seconds West. 33.14 feet; thence traveling along the property line of the property now or formerly owned by Carliss Ann Blake North 7 degrees 19 minuets 00 seconds, 19.74 feet to the TRUE POINT OF BEGINNING; from said TRUE POINT OF BEGINNING, thence traveling North 82 degrees 56 minuets 26 seconds East, 2.63 feet to a point; thence traveling North 7 degrees 19 minuets 00 seconds East, 72.60 feet to a point; thence traveling South 82 degrees 56 minuets 26 seconds East, 2.63 feet to a point thence traveling South 7 degrees 19 minuets 00 seconds West, 72.60 feet to the TRUE POINT OF BEGINNING, said property containing 190.94 square feet as more particularly depicted upon that certain plat of survey for Lassiter-Clayton, LLC, prepared by Appalachian Surveying Company, Inc., dated May 10, 2001 most recently revised June 5, 2001, bearing the seal of William F. Rolader, Georgia Registered Land Surveyor No. 2042, and being recorded in Plat Book 57, Page 97, Clerk’s office, Rabun Superior Court said survey incorporated herein and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of M, B, and H, II, LLC subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned M, B, and H, II, LLC is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: M, B, and H, II, LLC by certified mail, return receipt requested to its certified agent, Sonny Hardman aka William J. Hardman, III, on November 3, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for M, B, and H, II, LLC By William J. Hardman, III Managing Member, Bruce Russell, Jr. Esq., RUSSELL & RUSSELL, PC. P.O. BOX 1202, CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from M, B AND H, II, LLC to MOUNTAIN HERITAGE BANK dated June 1, 2007 and recorded in Deed Book C-32, Pages 483-485 of the Rabun County deed records given to secure a promissory note in the amount of ONE HUNDRED FIFTY THOUSAND AND 00/100 ($150,000.00) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 21 of the Second Land District of Rabun County, Georgia, and being 0.05 acre as shown upon a plat of survey dated December 20, 1993, prepared by T. Lamar Edwards, Georgia registered Land Surveyor No. 1837, said survey being recorded in the office of the Clerk of Rabun County Superior Court in Plat Book 34, page 163. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. There is excepted from the above-described tract those tracts or parcels of land lying and being in Land Lot 21 of the Second Land District of Rabun County, Georgia and being described in the certain warranty deed from C & S properties, LLLP to Lassister-Clayton, LLC, dated June 1, 2001, which is recorded in the office of the Clerk of Superior Court in Deed Book Y-20, Page 169 and in that certain quitclaim deed from C & S Properties, LLLP to Lassiter-Clayton, LLC, dated June 1, 2001, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book Y-20, Page 172. Also conveyed herewith is the right to use the joint amenities associated with said building being a common hallway, the common stairwell to access the upper portion of the building to Savannah Street and the rear porch area adjacent to the common use hallway. Grantee, by acceptance and recording of this deed accepts the property subject to the mutual and joint use rights of the owner of the east half of the building as depicted on said plat. Also conveyed is the permit to construct a walkway in the Clayton City Park as set out in an agreement dated November 11, 1994 and attached to a warranty deed from Carliss N. Blake to Tammy Garland Luke dated July 23, 1997 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book E-17, Page 682. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property M, B and H, II, LLC subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned M, B and H, II, LLC is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: M, B and H, II, LLC by certified mail, return receipt requested to its certified agent, Sonny Hardman aka William J. Hardman, III, on November 2, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for M, B and H, II, LLC By William J. Hardman, III Managing Member, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC. P.O. BOX 1202,CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from DCA, LLC to MOUNTAIN HERITAGE BANK dated MARCH 30, 2005 and recorded in Deed Book X-27, pages 544-548 of the Rabun County deed records given to secure a promissory note dated January 19, 2011 in the principal amount of TWO HUNDRED EIGHTY SIX THOUSAND FOUR HUNDRED TWENTY FIVE AND 94/100 ($286,425.94) DOLLARS, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 144 and Land Lot 145 of the Second Land District of Rabun County and being more particularly described as Lot 22, Phase I of The Ridges of Rabun, containing 1.871 acres, as depicted on the plat of survey dated October 5, 2004, and prepared by Edwin G. Davidson, Georgia Registered Land Surveyor No. 2586. Said plat is of record in Plat Book 53, pages 161-165, in the Office of the Clerk of the Rabun Superior Court. Reference is had and made to said plat and the record thereof for a full and complete description of Lot 22 as depicted thereon. Also conveyed is a prepared, non-exclusive road right of way easement over across the roadways depicted on the above described plats for the purpose of providing ingress to and egress from said tract or parcel of land with the public road system of Rabun County, Georgia. Said tract or parcel of land is hereby conveyed subject to the rights of others to use said roadways. The above described tract or parcel of land is conveyed subject to those Declaration of Covenants, Conditions and Restrictions for The Ridges of Rabun of record in Deed Book G-27, pages 584-617, aforesaid records. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees. The said property will be sold as the property of DCA, LLC aka DCA Holdings, LLC subject to any outstanding ad valorem taxes and assessments and to the best knowledge and belief of the undersigned DCA, LLC aka DCA Holdings, LLC is in possession of said property. A copy of this notice was mailed to the debtor by and thru its registered agent to-wit: Chern G, Hawwang. A copy of this notice was mailed to the debtor by and thru its manager to-wit: Nicholas Strates by certified mail, return receipt requested on November 5, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for DCA, LLC By Nicholas J Strates Managing Member,Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC.,P.O. BOX 1202 CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from KEVIN W. BLALOCK to MOUNTAIN HERITAGE BANK dated October 8, 2009 and recorded in Deed Book M-35, pages 8-10 of the Rabun County deed records given to secure a promissory note in the amount of Eighty-Three Thousand Six hundred Sixty and 00/100 Dollars ($83,660.00), there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All those tracts or parcels of land lying and being in Land Lot 27 and 33 of the Fifth Land District of Rabun County, Georgia and being designated as Tract 3-3 containing 1.50 acres and Tract 3-4 containing 1.50 acres as more fully described on that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated August 14, 2006, last revised April 20, 2007, which is recorded in the office of the Clerk of Rabun County Superior Court in Plat Book 60, page 142. Reference had and made to said plat and record of the same for a full and complete description of the property herein described. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the above described property from the public road system of Rabun County, Georgia over and across that certain 20 foot right of way as shown on the above referenced plat of survey. There is also conveyed all of the easement rights for access, ingress and egress contained in a Joint Driveway agreement dated February 18, 1998, and recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-17, pages 606-607. This conveyance is made subject to the easement rights, terms and obligations contained in a Joint Driveway Easement Agreement dated February 18, 1988, and recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-17, pages 606-607. This Conveyance is made subject to those certain restrictive covenants which are recorded in the office of the Clerk of Rabun Superior Court in Deed Book Y-32, page 193. The Grantors reserve for themselves, their heirs, successors and assigns a perpetual non-exclusive easement for ingress and egress to and from Tract 5 over and across that certain 20 foot right of way as the same are shown on the above referenced plat of survey. This conveyance is made subject to the rights of others to use that certain 20 foot right of way as the same is shown upon the above referenced plat of survey. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of Kevin W. Blalock subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned Kevin W Blalock is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: Kevin W. Blalock by certified mail, return receipt requested on November 3, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for Kevin W. Blalock, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525 (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from MARY ANN HARDMAN to MOUNTAIN HERITAGE BANK dated August 1, 2008 and recorded in Deed Book Z-33, pages 315-317 of the Rabun County deed records given to secure a promissory note in the amount of One hundred sixty thousand and 00/100 dollars($160,000.00) there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 41 of the First Land District of Rabun County, Georgia, consisting of 0.63 acre as more fully described on that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Survey No. 1837, dated July 21, 2008, which is recorded in the office of the Clerk of Rabun County Superior Court in Plat Book 59-290. Reference had and made to said plat and record of the same for a full and complete description of the property herein described. Also conveyed herewith a perpetual non exclusive easement for ingress and egress to and from the above described property over and across Dolly Dixon Road to it’s intersection with Blue Ridge Gap Road. The debt of Mary Ann Hardman and William J Hardman, III secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of Mary Ann Hardman subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned Mary Ann Hardman is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtors to-wit: Mary Ann Hardman and William J Hardman, III by certified mail, return receipt requested on October 17, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank as Attorney in Fact for Mary Ann Hardman, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202 CLAYTON, GA 30525, 706/782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from RANDY JONES AND JOHN D. RUSSELL, QUALIFIED INTERMEDIARY FOR RANDY JONES to MOUNTAIN HERITAGE BANK dated August 1, 2006 and recorded in Deed Book N-30, Pages 670-672 of the Rabun County deed records given to secure a promissory note in the amount of eight hundred twenty-five thousand and no/100 ($825,000.00) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All That tract or parcel of land lying and being in Land Lots 94 and 95 of the 5th Land District, Rabun County, Georgia and being Tract 1A consisting of 1.15 acres as more fully described on a plat of survey prepared by T. Lamar Edwards, GRLS No. 1837, last revised December 11, 2000 and recorded in Plat Book 50, page 66 of the Rabun Co. plat records. Said plat and the record thereof being incorporated herein by reference for a more full and complete description of the property described herein. This conveyance is made subject to that certain 20’ easement as described in that certain consent order which is recorded in Deed Book S-20, page 136 and that certain easement to Charles Barnett Kennedy recorded in Deed Book G-21, page 541, all of the Rabun Co. deed records. The above described property is conveyed subject to that easement shown on plat in property description and easement shown on plat of survey referenced above showing access to Tracts 2 & 5 also shown on referenced plat. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of Randy Jones subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned Randy Jones is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: Randy Jones by certified mail, return receipt requested, on November 4, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for RANDY JONES, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

By virtue of the power of sale contained in a Deed to Secure Debt by Zakaria Adhihusada to Bank of America, N.A., dated March 10, 2006 and filed for record March 20, 2006 in Deed Book T29, Page 424, Rabun County, Georgia records, and securing a Note in the original principal amount of $72,000.00, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Rabun County, Georgia, between the legal hours of sale on the first Tuesday in December, 2011, by Bank of America, N.A. as Attorney-in-Fact for Zakaria Adhihusada the following property to-wit: ALL THAT TRACT or parcel of land lying and being in Land Lot 24 and 25 of the 4th Land District of Rabun County, Georgia, and being all of Lot No. 105, Block FF, Unit 1 of Kingwood Estates and consisting of 0.35 acre, more or less, as shown on that plat of survey prepared by Leonidas Burton Sears, Georgia Registered Land Surveyor No. 2628, dated March 30, 2000, and recorded in Plat Book 45, Pages 18-23, located in the Clerk's Office, Rabun County Superior Court and reference to said plat being for the express purpose of incorporating its description herein. Conveyed herewith is a perpetual non-exclusive easement for access, ingress and egress over and across the subdivision roads to and from the above-referenced tract of land to the public road system. The property herein certified is subject to a twenty foot (20') easement, which is reserved centered about all property lines for future sewer, storm drainage, utility and/or cart path use, maintenance and repair. This property is subject to the covenants and restrictions for Kingwood Subdivision recorded in the Clerk's Office, Rabun Superior Court in Deed Book E-18, Pages 98-107, Deed Book A-7, Pages 487-505, Deed Book L-18, Pages 98-148 and Deed Book O-27, Page 359, and all modifications and amendments of record thereto. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees, if applicable. The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable. To the best of the undersigned's knowledge and belief, possession of the subject property is held by Zakaria Adhihusada . Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows: Bank of America, N.A., successor by reason of merger with BAC Home Loans Servicing, L.P., Attn: Loss Mitigation Dept., P. O. Box 5170, MS SV314B, Simi Valley, CA 93065, Telephone: 1-800-669-6650. The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require Bank of America, N.A. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. Bank of America, N.A. as Attorney-in-Fact for Zakaria Adhihusada. SHUPING, MORSE & ROSS, LLP, By: S. Andrew Shuping, Jr. S. Andrew Shuping, Jr., 6259 Riverdale Road, Suite 100, Riverdale, Georgia 30274-1698, (770) 991-0000. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Kim Clark and Chad D. Clark to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $135,000.00 dated 12/22/2006, and recorded in Deed Book J31, page 75, Rabun County records, said Security Deed being last transferred and assigned to GMAC Mortgage, LLC in Deed Book Z36, Page 636, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by GMAC Mortgage, LLC, as Attorney-in-Fact for Kim Clark and Chad D. Clark the following described property: All that parcel of land in Rabun County, State of Georgia, as more fully described in Deed Book 924, page 502 ID #002990, being known and designated as follows: Lying and being in Land Lot 176 of the 2nd Land District, Rabun County, Georgia, being 1.57 acres as shown on a plat of survey recorded in Plat Book 23, Page 121. Property known as: 800 Bettys Creek Rd, Dillard, GA 30537. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: GMAC Mortgage, LLC, Two Ravinia Dr, Suite 500 Atlanta, GA 30346, PHONE: 800-850-4622. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Kim Clark and Chad D. Clark. GMAC Mortgage, LLC, as Attorney-in-fact for Kim Clark and Chad D. Clark. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C. South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346 Phone – (770) 392-0398, Toll Free – (866) 999-7088, www.penderlaw.com. Our File No. 11-11068

11-10,17,24,12-1

NOTICE

This advisory is issued to inform the public of the submittal of an application for a variance to build a seawall along approximately 200 linear feet of Lake Burton.  Project is located at Lake Burton, Lot 1078, 1678 Murray Cove Rd. The public can review site plans at the Georgia Department of Natural Resources, 4220 International Parkway, Suite 101, Atlanta, Ga. 30354. Written comments related to air, water, and land protection should be submitted within 30 days to: Program Manager, NonPoint Source Program, Erosion and Sedimentation Control, 4220 International Parkway, Suite 101,

Atlanta, GA 30354.

11-10 

NOTICE OF SALE UNDER POWER IN SECURITY DEED

GEORGIA, Rabun COUNTY Our File No. 11-573

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by GARY ASHE and MARIE ASHE to RABUN COUNTY BANK dated June 20, 2002 and recorded in Deed Book Q-22, Pages 581-583, Rabun County, Georgia Records, Conveying the after described property to secure a note dated December 11, 2008 in the original principal amount of EIGHTY FIVE THOUSAND SIX HUNDRED FIFTY FIVE AND 50/100 DOLLARS ($85,655.50), with interest thereon as set forth therein, there will be sold by the undersigned at public outcry to the highest bidder, for cash, before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, the same being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 26 of the First Land District of Rabun County, Georgia and being TRACT ONE, consisting of 2.00 acres as described upon a plat of survey dated April 23, 2002, prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, said survey being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 43, page 268. Said survey is Incorporated herein by reference for a full and complete description of the above-described lands. The above-described lands are a portion of the lands conveyed to Steve J. Bradshaw by a Warranty Deed dated December 7, 1999 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book I-19, page 229. There is excepted from this conveyance the perpetual, non-exclusive easement rights conveyed to Farrell E. Henslee and Kendra L. Henslee by Warranty Deed recorded in the office of the Clerk of Rabun Superior Court in Deed Book I-20, page 188, said easement rights being for access, ingress and egress to and from adjacent lands over and across a driveway ten (10) feet in width as shown upon the above-referenced plat of survey. The Grantor reserves for himself. his heirs, successors, and or assigns a perpetual, non-exclusive easement over and across that ten (10) foot wide dirt road extending from Plum Orchard Road across the Northerly portion of the above-described property and described upon the above-referenced plat of survey. Said easement shall be for the purposes of access, ingress and egress to and from TRACT TWO shown upon the above-referenced plat of survey. This conveyance is made subject to the terms, conditions, easement rights and obligations contained in a Joint Well Agreement for use and maintenance executed by Farrell B. Henslee, Kendra L. Henslee and Steve J. Bradshaw dated February 23, 2001 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book T-20, page 647 and said easement is incorporated herein by reference for a full and complete description of the terms, conditions, easements, and obligations contained therein. The Grantor reserves a perpetual, non-exclusive easement right to use maintain and repair the existing well located on TRACT ONE for the purposes of providing water to TRACT TWO described in Plat Book 43, page 268 Rabun County, Georgia records. The Grantor also reserves the right to install, maintain and repair water lines and electrical lines on TRACT ONE extending to TRACT TWO. Said easement rights shall be an easement appurtenant to TRACT TWO and shall inure to the benefit of the Grantor his heirs, successors, transferees and assigns. Said well shall be maintained in accordance with the terms and conditions of a Joint Well Agreement recorded in Deed Book T-20, page 647 Rabun County, Georgia records and the Grantor and/or owner of TRACT TWO agrees to be bound by the terms, conditions and obligations of said Joint Well Agreement. The debt secured by said deed to secure debt has been and is hereby declared due because of, among other possible events of default, the failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which may be disclosed by a current accurate survey and inspection of the property, any easements, assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The entity that has full authority to negotiate, amend and modify all terms of the Deed to Secure Debt with the Debtor is: RABUN COUNTY BANK located at 121 Rickman Street, Clayton, Georgia 30525, 706-782-4571. The secured Creditor is not required by law to negotiate, amend or modify the terms of the Deed to Secure Debt. To the best knowledge and belief of the undersigned the party in possession of the property is Gary Ashe and Marie Ashe and/or any tenant or tenants in possession and said property is located at 30 Jefferson Lane, Clayton, Georgia 30525 and is designated as being Rabun County Tax Parcel #013-028G . The sale will be conducted subject to: (1.) confirmation that the sale is not prohibited under the U. S. Bankruptcy Code; and (2.) final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. This 4th day of November, 2011. RABUN COUNTY BANK, as Attorney in Fact for Gary Ashe and Marie Ashe under Power of Sale contained in Security Deed recorded in Deed Book Q-22, page(s) 581-583, Rabun County, Georgia Records. ALBERT O. ENGLISH, LLC Attorney for RABUN COUNTY BANK ,17 Chechero Street, Clayton, GA 30525, (706) 782-4285 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10, 17, 24, 12-1

NOTICE OF SALE UNDER POWER IN SECURITY DEED

GEORGIA, Rabun COUNTY Our File No. 10-455

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by JOHN A. SANDERS and JILL O. SANDERS to RABUN COUNTY BANK dated June 1, 2005 and recorded in Deed Book F-28, Pages 616-630, Rabun County, Georgia Records, conveying the after described property to secure a note dated June 1, 2005 in the original principal amount of TWO HUNDRED TWENTY FIVE THOUSAND AND NO/100 DOLLARS ($225,000.00), with interest thereon as set forth therein, there will be sold by the undersigned at public outcry to the highest bidder, for cash, before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, the same being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 103 of the Fifth Land District of Rabun County, Georgia and being LOT 4, as shown on a plat of prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, recorded in Plat Book 53, page 204, Rabun County, Georgia records, to which plat reference is made for a more detailed description. Additionally, Grantor assigns and conveys to Grantee any rights, title, interest or other use privileges in and to that certain Dock/Boat Slip that Grantor has or may by virtue of Grantor’s membership in the Burton Point II Homeowner’s Association, Inc. and/or the Burton Point Association, Inc., or otherwise. The debt secured by said deed to secure debt has been and is hereby declared due because of, among other possible events of default, the failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which may be disclosed by a current accurate survey and inspection of the property, any easements, assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The entity that has full authority to negotiate, amend and modify all terms of the Deed to Secure Debt with the Debtor is: RABUN COUNTY BANK located at 121 Rickman Street, Clayton, Georgia 30525, 706-782-4571. The secured Creditor is not required by law to negotiate, amend or modify the terms of the Deed to Secure Debt. To the best knowledge and belief of the undersigned the party in possession of the property is John A. Sanders and Jill O. Sanders and/or any tenant or tenants in possession and said property is located at Lot 4, Burton Point II, Blalock-Goldmine Road, Clayton, Georgia 30525 and is designated as being Rabun County Tax Parcel #008-054 . The sale will be conducted subject to: (1.) confirmation that the sale is not prohibited under the U. S. Bankruptcy Code; and (2.) final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. This 4th day of November, 2011. RABUN COUNTY BANK, as AttorneyinFact for John A. Sanders and Jill O. Sanders under Power of Sale contained in Security Deed recorded in Deed Book F-28, page(s) 616-630, Rabun County, Georgia Records ALBERT O. ENGLISH, LLC, Attorney for RABUN COUNTY BANK, 17 Chechero Street, Clayton, GA 30525, (706) 782-4285 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER IN SECURITY DEED

GEORGIA, Rabun COUNTY Our File No. 09-497

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by Marc Allan Connelly to RABUN COUNTY BANK dated August 29, 2006 and recorded in Deed Book S-30, Page 19 and S-31, Pages 225-238, Rabun County, Georgia Records, conveying the after described property to secure a note dated October 16, 2009 in the original principal amount of TWO HUNDRED FORTY-SEVEN THOUSAND EIGHT HUNDRED NINETY-THREE AND 89/100 DOLLARS ($247,893.89), with interest thereon as set forth therein, there will be sold by the undersigned at public outcry to the highest bidder, for cash, before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, the same being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 6 of the First Land District of Rabun County, Georgia and Lot 12, Block L, Unit1, containing 0.22 acres of Waterfall at Lake Burton, as more particularly described upon that certain plat of survey dated February 23, 2005, last revised March 11, 2005 and prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, and recorded in Plat Book 54, Page 57, Clerk’s office, Rabun Superior Court. Reference is hereby had and made to said plat of survey for the purpose of Incorporating same herein for a full and complete description of the property herein conveyed. The aforementioned tract or parcel is subject to the Declaration of Covenants and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Deed Book S-18, Pages 309-342, Clerk’s office, Rabun Superior Court as amended by First Amendment thereto dated June 15, 1999, recorded at Deed Book X-18, Page 442, of said records, and any and all amendments or modifications thereto of record. The Property herein conveyed is subject to that certain Supplemental Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton, Unit 2, Phase 1 by Lake Burton Development, dated August 30, 2000, recorded September 30, 2000, recorded in Deed Book B-20, Page 27, aforesaid Records; but omitting any restriction based on race, color, religion, sex, handicap, familiar status, or national origin unless and only to the extent that said covenant (a) is exempt under Chapter 42, Section 3607 of the United States Code or (b) relates to handicap but does not discriminate against handicapped persons. Further, the above-described Lot 12 is subject to that certain Declaration of Easement, Covenants, Conditions and Restrictions of Record by Lake Burton Development, LLC, dated January 29, 2001, recorded February 5, 2001, recorded in Deed Book L-20, Page 372, aforesaid Records. Also, the property herein conveyed is subject to the following: That certain Easement from William B. Johnson to Habersham Electric Membership Corporation, dated February 3, 1994, recorded February 15, 1994, recorded in Deed Book V-14, Page 437, Clerk’s office, Rabun Superior Court; and That certain Easement from Parker, Griffin, Martin Land, Inc. to Habersham Electric Membership Corporation, dated November 30, 1988, recorded June 7, 1989, recorded in Deed Book Y-11, Page 570, aforesaid Records; and

That certain Golf Easement Agreement by and between Georgia Power Company, a Georgia corporation and Lake Burton Development, dated as of January 8, 1998, recorded January 21, 1998, recorded in Deed Book P-17, Page 70, aforesaid Records; and That certain Easement Agreement from Lake Burton Development, LLC to Georgia Power Company, dated as of January 9, 1998, recorded in Deed Book P-17, Page 85, aforesaid Records; and The ten (10) foot easement around all property lines for future utilities and drainage; and That ten (10) foot landscape and pedestrian easement as shown upon the above-referenced plat of survey; and Those certain reservations, covenants, agreements and easements as contained in that certain Limited Warranty Deed from Georgia Power Company to Lake Burton Development, LLC dated as of January 9, 1998, recorded January 21, 1998, recorded in Deed Book P-17, Page 34, aforesaid Records; and That certain Trust Indenture (water treatment facilities) by and between Parker, Griffin & Martin Land, Inc. and Burton Mountain Property Owners Association, Inc., Trustee, dated May 5, 1989, recorded in Deed Book Y-11, Page 637, aforesaid Records; as amended by that certain Quitclaim Deed from Parker, Griffin & Martin Land, Inc. to Lake Burton Development, LLC, dated as of January 8, 1998, recorded January 21, 1998, recorded in Deed Book P-17,Page 32, aforesaid Records; and That certain Trust Indenture (water treatment plant/sewage system) by and between City of Clayton and Waterfall Property Owners Association, Inc., Trustee, dated November 9, 1999, recorded in Deed Book R-20, Page 462, aforesaid Records; and

That certain Trust Indenture (septic tank/drain field facilities) by and between Lake Burton Development, LLC and Waterfall Property Owners Association, Inc., Trustee, dated April 10, 2001, recorded April 18, 2001, recorded in Deed Book S-20, Page 565, aforesaid Records; and The property herein conveyed is subject to those setback lines and easement reservations as same are shown upon that plat of survey recorded in Plat Book 54, Page 57, Clerk’s office, Rabun Superior Court. Conveyed herewith is a non-exclusive perpetual easement for ingress and egress from the public road system over and across the subdivision roads of Waterfall at Lake Burton to the above-described Lot 12. The debt secured by said deed to secure debt has been and is hereby declared due because of, among other possible events of default, the failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which may be disclosed by a current accurate survey and inspection of the property, any easements, assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The entity that has full authority to negotiate, amend and modify all terms of the Deed to Secure Debt with the Debtor is: RABUN COUNTY BANK located at 121 Rickman Street, Clayton, Georgia 30525, 706-782-4571. The secured Creditor is not required by law to negotiate, amend or modify the terms of the Deed to Secure Debt. To the best knowledge and belief of the undersigned the party in possession of the property is Marc Allan Connelly and/or Maureen Caroline Connelly and/or any tenant or tenants in possession and said property is located at Lot 12, Block L, Unit 1 of Waterfall at Lake Burton Subdivision, Clayton, Georgia 30525 and is designated as being Rabun County Tax Parcel #014C612 . The sale will be conducted subject to: (1.) confirmation that the sale is not prohibited under the U. S. Bankruptcy Code; and (2.) final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. This 4th day of November, 2011. RABUN COUNTY BANK, as AttorneyinFact for Marc Allan Connelly under Power of Sale contained in Security Deed recorded in Deed Book S-31, page(s) 225-238, Rabun County, Georgia Records. ALBERT O. ENGLISH, LLC Attorney for RABUN COUNTY BANK, 17 Chechero Street, Clayton, GA 30525, (706) 782-4285 .THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF ROBERT H. LARSEN FOR DISCHARGE AS EXECUTOR OF THE ESTATE OF ANNE B. LARSEN, DECEASED.

TO: All and singular the heirs of said decedent, the beneficiaries under the will, and to whom it may concern: This is to notify you to file objection if there is any to the above referenced petition, in this Court on or before November 21, 2011. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the ground of any such objections. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, By: Linda Ramey, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

11-10

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF RABUN

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by ERIC W. VANTRUMP and JOANNA U. VANTRUMP to GREENSTONE FARM CREDIT SERVICES, FLCA dated December 14, 2007 and filed and recorded January 10, 2008, in Deed Book C33, Pages 584-590, and re-recorded November 20, 2008 in Book I34, Pages 547-553, Rabun County, Georgia, Superior Court Clerk’s Office Deed records conveying the after described property to secure a note with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door in Rabun County, Georgia, within the legal hours of sale upon the first Tuesday in December, 2011 (December 6, 2011) and continuing from day to day until sold, the following described property, to-wit: Land situated in the County of Rabun, State of Georgia, and is described as follows: All that tract or parcel of land lying and being in Land Lot 24 of the Fourth Land District of Rabun County, Georgia, and being designated as Lot 25 of Timbers of Kingwood Estates, containing 0.56 acre, more or less, as shown on that certain plat of survey prepared by Wayne A. Powers, Georgia Registered Land Surveyor No. 2891, dated December 28, 2005, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 56, Pages 169-171. Said plat and the record thereof are hereby incorporated herein and made a part hereof by reference. Tax Map Number 52B-425, Including any and all structures or improvements thereon. The debt secured by said Deed to Secure Debt is evidenced by a Promissory Note/Loan Agreement dated December 14, 2007, in the original principal amount of Forty Eight Thousand Four Hundred Fifty Dollars and No Cents ($48,450.00) executed by ERIC W. VANTRUMP and JOANNA U. VANTRUMP in favor of GREENSTONE FARM CREDIT SERVICES, FCLA. The debt secured by the Deed to Secure Debt and evidenced by the Promissory Note/Loan Agreement is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Promissory Note/Loan Agreement and Deed to Secure Debt. The debt remains in default and this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The property will be sold as the property of ERIC W. VANTRUMP and JOANNA U. VANTRUMP. To the best of knowledge and belief of the undersigned, the party (or parties) in possession of the subject property known as Lot 25 Timbers at Kingwood Estates in Clayton, Rabun County, Georgia 30525 are ERIC W. VANTRUMP and JOANNA U. VANTRUMP, and or their tenant, or present occupant. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. § 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. § 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudical sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. ERIC W. VANTRUMP and JOANNA U. VANTRUMP have been notified in accordance with Georgia Law that attorney’s fees will be collected for the default in payment of said Promissory Note/Loan Agreement, and have been further notified in accordance with O.C.G.A. § 44-14-162 through § 44-14-162.4 that foreclosure proceedings have been instigated against this property by sending a copy of the legal advertisement prior to 30 days before the date of sale, by certified mail to the property address or such other address as ERIC W. VANTRUMP and JOANNA U. VANTRUMP may designate by written notice to the secured creditor. The person who shall have full authority to negotiate, amend, and modify all terms of the Deed to Secure Debt with ERIC W. VANTRUMP and JOANNA U. VANTRUMP, together with their telephone number is as follows: GREENSTONE FARM CREDIT SERVICES, FLCA, 3225 Walker Avenue NW, Grand Rapids, Michigan 49544; (616) 647-0030. The property will be sold as the property of the makers of said Deed to Secure Debt or their assigns, in bar of all equity or redemption, and will divest all of the right, title and interest of the makers thereof, or their assigns, in and to said property, and shall invest such title in the purchaser. The proceeds of said sale will be used first to the payment of expenses of said sale, including those attorney’s fees provided by said Deed to Secure Debt and/or that Note secured thereby; the payment of said Promissory Note/Loan Agreement , principal and interest; and the balance, if any, will be distributed as provided by law. THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GREENSTONE FARM CREDIT SERVICES, FLCA Attorney in Fact for ERIC W. VANTRUMP and JOANNA U. VANTRUMP, Acting Pursuant To Powers, Contained In Said Deed To Secure Debt, By: R. Shane Lazenby, FORRESTER & BRIM, P.O. Box 1688

Gainesville, Georgia 30503.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Casey U. Hickox to The Mortgage People Co., dated June 16, 2003, recorded in Deed Book N-24, Page 214, Rabun County, Georgia Records, as last transferred to National City Mortgage Co. by assignment recorded in Deed Book C-25, Page 195, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-EIGHT THOUSAND AND 0/100 DOLLARS ($138,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: PNC Mortgage, 3232 Newmark Drive, Miamisburg, OH 45342, 800-523-8654. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Casey U. Hickox and Joshua George Hickox or a tenant or tenants and said property is more commonly known as 1308 Bridge Creek Road, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. PNC Bank, National Association s/b/m to National City Bank s/b/m to National City Mortgage Co. as Attorney in Fact for Casey U. Hickox. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, www.foreclosurehotline.net, MR/bw1 12/6/11 Our file no. 52459510-FT15 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lots 39 and 40 of the Fifth Land District of Rabun County, Georgia and being Tract 4 and containing 1.29 acres as more particularly described upon that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated April 13, 1987, last revised on May 28, 2003, which is recorded in Plat Book 50, Page 50, Clerk's office, Rabun County Superior Court. Reference is hereby had and made to said plat of survey for a full and complete description of the property herein conveyed. Conveyed herewith is a perpetual, non-exclusive twenty foot (20') easement for ingress to and egress from the above-described property across Tract 1 as shown upon the above-referenced plat of survey for the purpose of providing road access with Bridge Creek Road, a public road. Further, conveyed herewith is a perpetual, non-exclusive twenty foot (20') easement for utilities, as well as maintenance and repair of same. Said easement being shown upon the above-referenced plat of survey as running with the aforementioned driveway easement. MR/bw1 12/6/11 Our file no. 52459510. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Christopher Mumford to Mortgage Electronic Registration Systems Inc as nominee for AMPRO Mortgage, A Division of United Financial Mortgage Corporation its successor and assigns, dated March 12, 2007, recorded in Deed Book R31, Page 697, Rabun County, Georgia Records, as last transferred to JPMorgan Mortgage Acquisition Corp by assignment recorded in Deed Book 037, Page 323, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-SEVEN THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($157,500.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property:All that tract or parcel of land lying and being in Land Lot 1 of the Fourth Land District of Rabun County, Georgia, and being in the City of Clayton, Georgia and being Tract 3 consisting of 0.29 acre as shown upon a plat of survey dated January 24, 2007 prepared by T. Lamar Edwards, Georgia Surveyor Land Surveyor No. 1837, said survey being recorded in the Office of the Clerk of Rabun Superior Court in Cabinet 58-171. Said survey is incorporated herein by reference for a full and complete description of the above-described property. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Residential Credit can be contacted at 888-409-9339 or by writing to fka Aames Home Loan, 350 South Grand Ave 47th Floor, Los Angeles, CA 90071, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Christopher Mumford or a tenant or tenants and said property is more commonly known as 17 Silver Leaf Court, Clayton, Georgia 30525. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Mortgage Acquisition Corp as Attorney in Fact for Christopher Mumford. Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com, MSP/llb 12/6/11. Our file no. 11079710-FT1. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1
Clayton Legals 11.10.11
Nov 09, 2011 | 6117 views | 0 0 comments | 15 15 recommendations | email to a friend | print
ADVERTISEMENT FOR BIDS

Bid Package One (1)

Project: Rabun County Bus Maintenance Building

Owner: Rabun County Board of Education

Architect: Southern A & E Architects & Engineers

CM: Charles Black Construction Company, Inc.

Contractors are invited to submit lump sum bids for Bid Package One (1), Rabun County Bus Maintenance Building. Sealed bids will be received by the Construction Manager until 3:00 p.m., Thursday, November 10, 2011, at the Cleveland Office of the Construction Manager, Charles Black Construction Company, Inc., 1955 Highway 129 South, Cleveland, Georgia 30528. Bids must be submitted in Duplicate on the Construction Manager’s Proposal Form along with a 5% Bid Bond if required by the Bid Package. No Faxed Bids Accepted. A thorough review of the bid package description and bid documents are required prior to submitting bids. The form of agreement will be AGC Document 640, 1994 Edition, between the Construction Manager and the Successful Bidder. Bidding Documents are available for the COST OF REPRODUCTION from: AGC Plan Room/Gainesville Whiteprint http://planroom.aimages.com, 312 Bradford Street, NW, Gainesville, Georgia 30501, (770) 534-2086. Documents will be available for review at the following locations. Both offices of Charles Black Construction Company, Inc. 1955 Highway 129, South,Cleveland, Georgia 30528, 604 Washington Street, Suite A-2, Gainesville, Georgia 30501. McGraw-Hill Construction/Dodge Plan Rooms, 881 Franklin Road, SE, #435, Marietta, Georgia 30067, AGC Builder’s Exchange, 1940 The Exchange , Suite 300, Atlanta, Georgia 30339, Reed’s Construction Data, 30 Technology Parkway, Norcross, Georgia 30092, Gainesville Whiteprint, 312 Bradford Street, NW, Gainesville, Georgia 30501. CM: Charles Black Construction Company, Inc. PROJECT: Rabun County Bus Maintenance Building ADVERTISEMENT FOR BIDS, INDEX TO BID PACKAGES, Bid Package Number: 1. Bid Package Name: Metal Buillding Sytems and Concrete, Bid Date: November 10, 2011. *See Bid Package Description, General Package Notes & Construction Manager’s Special Conditions Prior to Pricing.* Rod Nix, Project Manager,Charles Black Construction Company, Inc.,P.O. Box 960 * 1955 Highway 129 South, Cleveland, Georgia 30528. *The Construction Manager and Owner reserve the right to reject any and all bids and to waive technicalities.*

10-13,20,27,11-3,10

ADVERTISEMENT FOR BIDS

Bid Package One (1)

Project: New Athletic Facility for Rabun County High School

Owner: Rabun County Board of Education

Architect: Southern A & E Architects & Engineers

CM: Charles Black Construction Company, Inc.

Contractors are invited to submit lump sum bids for Bid Package One (1), New Athletic Facility for Rabun County High School. Sealed bids will be received by the Construction Manager until 3:00 p.m., Thursday, November 10, 2011, at the Cleveland Office of the Construction Manager, Charles Black Construction Company, Inc., 1955 Highway 129 South, Cleveland, Georgia 30528. Bids must be submitted in Duplicate on the Construction Manager’s Proposal Form along with a 5% Bid Bond if required by the Bid Package. No Faxed Bids Accepted. A thorough review of the bid package description and bid documents are required prior to submitting bids. The form of agreement will be AGC Document 640, 1994 Edition, between the Construction Manager and the Successful Bidder. Bidding Documents are available for the COST OF REPRODUCTION from: AGC Plan Room/Gainesville Whiteprint

http://planroom.aimages.com, 312 Bradford Street, NW, Gainesville, Georgia 30501 (770) 534-2086. Documents will be available for review at the following locations. Both offices of Charles Black Construction Company, Inc. 1955 Highway 129, South Cleveland, Georgia 30528, 604 Washington Street, Suite A-2, Gainesville, Georgia 30501. McGraw-Hill Construction/Dodge Plan Rooms, 881 Franklin Road, SE #435 Marietta, Georgia 30067, AGC Builder’s Exchange, 1940 The Exchange, Suite 300, Atlanta, Georgia 30339, Reed’s Construction Data, 30 Technology Parkway, Norcross, Georgia 30092, Gainesville Whiteprint, 312 Bradford Street, NW, Gainesville, Georgia 30501. CM: Charles Black Construction Company, Inc. PROJECT: New Athletic Facility for Rabun County High School. ADVERTISEMENT FOR BIDS, INDEX TO BID PACKAGES, Bid Package Number: 1. Bid Package Name: Metal Buillding Sytems and Concrete, Bid Date: November 10, 2011. *See Bid Package Description, General Package Notes & Construction Manager’s Special Conditions Prior to Pricing.* Rod Nix, Project Manager,Charles Black Construction Company, Inc., P.O. Box 960 *1955 Highway 129 South, Cleveland, Georgia 30528. *The Construction Manager and Owner reserve the right to reject any and all bids and to waive technicalities.*

10-13,20,27,11-3,10

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Emily Mae Henderson Perry, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 17th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Eedeelove Henderson Adams acting as Executrix of the Emily Mae Henderson Perry estate.) Address: PO Box 65, Rabun Gap, GA 30568. Telephone: (706) 746-2158.

10-20,27,11-3,10

NOTICE

GEORGIA, RABUN COUNTY PROBATE COURT

TO: SHERRY HOLLAND WALES, KEN KLIMASEWSKI, GUARDIAN AD LITEM: ANY AND ALL UNKNOWN HEIRS: ANY AND ALL KNOWN HEIRS WHOSE CURRENT ADDRESSES ARE UNKNOWN. HEIDI TIMKO has petitioned to be appointed Administrator(s) of the estate of BRANDON HELMUT WALES, deceased, of said County. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before NOVEMBER 14, 2011 prior to 5 p.m. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleading/objections, unless you qualify to file as an indigent part. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be (scheduled at a later date). If no objections are filed, the petition may be granted without a hearing. LILLIAN W. GARRETT, PROBATE JUDGE, 25 COURTHOUSE SQUARE, SUITE 215, CLAYTON, GA 30525. TELEPHONE NUMBER 706-782-3614.

10-20,27,11-3,10

IN THE SUPERIOR COURT OF RABUN COUNTY

STATE OF GEORGIA

SCBT, N.A. D/B/A CBT, A DIVISION OF SCBT, N.A.

Petitioner

CIVIL ACTION FILE NO. 2011-CV-447-S

vs

THE HEIRS-AT-LAW OF

JAMES E. BLECKLEY, AND

ALL PERSONS WHO CLAIM

OR MIGHT CLAIM ADVERSELY

TO PETITIONER’S TITLE TO

ALL THAT TRACT OR PARCEL

OF LAND LYING AND BEING

IN LAND LOT 8 OF THE 2ND

LAND DISTRICT AND LAND

LOT 1 OF THE 5TH LAND

DISTRICT OF RABUN COUNTY,

GEORGIA, BEING DESIGNATED

AS TRACT 2, CONTAINING

0.65 ACRES, AS SHOWN ON

PLAT OF SURVEY PREPARED

BY T. LAMAR EDWARDS, R.S.,

WHICH IS DATED JULY 10,

2006, WHICH IS RECORDED

AMONG RABUN COUNTY,

GEORGIA RECORDS IN PLAT

BOOK 57, PAGE 171, AND

ALL THE WORLD

PUBLICATION

TO: THE HEIRS-AT-LAW OF JAMES E. BLECKLEY; ALL THE WORLD; AND ANY AND ALL PERSONS WHO CLAIM OR MIGHT CLAIM ADVERSELY TO PETITONER’S TITLE TO ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 8 OF THE 2ND LAND DISTRICT AND LAND LOT 1 OF THE 5TH LAND DISTRICT OF RABUN COUNTY, GEORGIA, BEING DESIGNATED AS TRACT 2, CONTAINING 0.65 ACRES, AS SHOWN ON PLAT OF SURVEY PREPARED BY T. LAMAR EDWARDS, R.S., WHICH IS DATED JULY 10, 2006, WHICH IS RECORDED AMONG RABUN COUNTY, GEORGIA RECORDS IN PLAT 57, PAGE 171. You are hereby notified that the above-styled action seeking to establish title to the below described property against all the world was filed on the 15th day of September, 2011, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of order for service by publication entered by said court, you are hereby commanded to be and appear at said court within 30 days of the date of the order for service by publication to answer said petition and file pleading before the court. WITNESS the Honorable Russell W. Smith, judge of said court. This 17th day of October, 2011. HOLLY E. HENRY-PERRY, Rabun County Clerk of Court.

10-20,27,11-3,10

Paula G. Reid

3284 Nature’s Walk

Suwanee, GA 33324

Bank of America, NA

100 North Tryon St

Charlotte, NC 28255

Take notice that: The right to redeem the following described property, to wit: All that tract or personnel of land lying and being in Land Lot 28 of the Fifth Land District of Rabun County, Georgia,and being designated as Lot 6 of Farside Estates Interdimensional Science, Inc., containing 3.13 acres, as more particularly described upon that certain plat of survey dated May 2, 1988, prepared by Warren Kelly, Georgia Registered Land Surveyor No. 2199, said plat being recorded in the office of the Clerk of Rabun Superior Court, in Plat Book 25, Page 258, reference to said plat being for the express purpose of incorporating its description herein. Thee above-described property is conveyed subject to that certain easement ten (10) feet in width, located along the boundary line of said tract and adjoining the common road which is twenty (20( feet in width and shown upon the above-referenced plat of survey. Previous grantors specifically reserved an easement along said strip of land, for the purpose of installing utility lines, as well as maintaining said roadway, which shall serve as a perpetual easement for the purpose of ingress and egress to each of the lots depicted on said plat of survey. The above-described property is conveyed subject to those certain restrictive covenants which shall be considered as running with the lands, as said covenants are recorded in the office of the Clerk of Rabun Superior Court, in Deed Book U-11, Page 505. Will expire and be forever foreclosed and barred on and after the 29th day of November, 2011. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the Clerk of Superior Court of Rabun County, Georgia in Deed Book N-36, at Pages 203-204. The property may be redeemed at any time before the 30th day of November 2011, by payment of the redemption price as fixed and provided by law, to the undersigned, at the following address: John J. Byrne, Attorney for William R. Stevens and Judith I. Brookshire, 3152 Blue Ridge Gap Road, Clayton, GA 30525. Please be governed accordingly. John J. Byrne.

10-20,27,11-3,10

NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Lynn H. Jenkins and Liana Jenkins and the Heir at Law of Liana Jenkins

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 5 of the Second Land District of Rabun County, Georgia and being designated as Lot 619, Unit 6 as depicted upon that certain plat of survey prepared by James A. Long, Registered Land Surveyor, which is recorded in the office of the Clerk of Rabun Superior Court in Plat Book 9, Page 353. This conveyance is made subject to protective covenants recorded in Deed Book X-4, Pages 437-446 in the office of the Clerk of Rabun Superior Court and subject to water rights easements of record. will expire and be forever foreclosed and barred on and after the 8th day of December, 2011. The tax deed to which this notice relates is dated the 7th day of September, 2010 and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Page 201-202. The property may be redeemed at any time before the 8th day of December, 2011, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: 124 Ginger Lane, Clayton, Georgia 30525, Phone: 706-782-4175. Please be governed accordingly. This 13th day of October, 2011. Albert O. English, Attorney For Ronald Belcher, 17 Chechero Street, Clayton, GA 30525(706) 782-4285.

10-27,11-3,10,17

NOTICE TO BAR RIGHT OF REDEMPTION

TO: Sandy J. Smith, Rabun County Tax Commissioner, MJD Properties, LLC, and Bank of America, N.A.

Take notice that: The right to redeem the following described property, to wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 195, OF THE SECOND LAND DISTRICT, OF RABUN COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS, TO WIT: FOR A FULL AND COMPLETE DESCRIPTION OF THE REAL PROPERTY BEING HEREBY CONVEYED, REFERENCE IS HEREBY HAD AND MADE TO A PLAT OF SURVEY DATED SEPTEMBER 21, 1995 AND PREPARED BY T. LAMAR EDWARDS, GEORGIA REGISTERED LAND SURVEYOR NO. 1837. THE REAL PROPERTY BEING HEREBY CONVEYED IS LOT 46, PART 3, SOUTHWOODS AREA, SKY VALLEY SUBDIVISION CONTAINING 0.37 ACRES, MORE OR LESS. SAID PLAT IS OF RECORD IN PLAT BOOK 35, PAGE 124, IN THE OFFICE OF THE CLERK OF RABUN SUPERIOR COURT. REFERENCE TO SAID PLAT AND THE RECORD THEREOF IS FOR THE EXPRESS PURPOSE OF INCORPORATED HEREIN ITS DESCRIPTION OF SAID LOT 46 AS DEPICTED THEREON. NOTE: THE ABOVE DESCRIBED TRACT OR PARCEL OF LAND IS HEREBY CONVEYED SUBJECT TO THE DECLARATION OF RESTRICTIONS OF RECORD IN DEED BOOK E5, PAGES 599-602, AFORESAID RECORDS. BEING THE SAME PROPERTY CONVEYED TO MJD PROPERTIES, LLC BY DEED FROM JOE R. ROUTT AND J MARLENE ROUTT, DATED JANUARY 22, 2007 AND RECORDED IN DEED BOOK M31, PAGE 331. FURTHER DESCRIBED AS MAP & PARCEL 058A409. will expire and be forever foreclosed and barred on and after the 15th day of December 2011. **This date is 45 days from the date the notice runs the first time. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia, in Deed Book N36, Page 213. The property may be redeemed at any time before the 15th day of December, 2011, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: c/o Scenic City Legal Group, PC, 3806 Amnicola Highway, Chattanooga, Tennessee 37406. Please be governed accordingly. This ____ day of October, 2011. Steve Steele, President for Energy Way Corporation.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Jo Sasser Dotson, deceased, are hereby notified to make immediate payment to the undersigned and all creditor of said decedent are hereby notified to render their claims to the undersigned. This ;the 20th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Netty Joan Dotson Nixon & Nancy Jean Dotson Haban acting as Co-Executrix of the Jo Sasser Dotson estate.) Address: 4150 Doubletree Court, Cumming GA 30040, Telephone: 770-844-8877.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Donald Jean Fountain, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 18th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Rodney Neal Fountain acting as Executor of the Donald Jean Fountain estate.) Address:47 Wood Hen Way, Tiger, GA 30576, Telephone: 706-782-7169.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RAABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to June Grist Coleman, deceased are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undesigned. This the 19th day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. (Verner Rodney Coleman acting as Executor of the June Grist Coleman estate.) Address: 362 Hollifield Connector, Tiger, GA 30576, Telephone: 706-782-6656.

10-27,11-3,10,17

NOTICE

GEORGIA, RABUN COUNTY PROBATE COURT

Sherry Wales has petitioned to be appointed Administrator of the estate of Brandon Helmut Wales, deceased, of said County. (The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261.) All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before November 21, 2011. All pleading/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, By: Savannah B. Dixon, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

10-27,11-3,10,17

NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: Jefferson W. Johnson

TAKE NOTICE THAT: The right to redeem the following described property, to wit: All that tract or parcel of land lying and being in Land Lot 5, District No. 2, Rabun County, Georgia and being more particularly described as Lot 622, Unit 6, as depicted on a survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 9, Page 361, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, Pages 437-466, Rabun County records and subsequent amendments of record thereto and subject to water rights easements of record. will expire and be forever foreclosed and barred on and after the 8th day of December , 2011. The tax deed to which this notice relates is dated the 7th day of September, 2010, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book N-36, at Pages 201-202. The property may be redeemed at any time before the 8th day of December, 2011, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: 124 Ginger Lane, Clayton, Georgia 30525 Phone: 706-782-4175. Please be governed accordingly. This 13th day of October, 2011. Ronald Belcher (L.S.) Albert O. English, Attorney, For Ronald Belcher, 17 Checher Street, Clayton, GA 30525(706) 782-4285.

10-27,11-3,10,17

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Clinton C. Taylor to Mortgage Electronic Registration Systems, Inc. dated August 9, 2004, and recorded in Deed Book U-26, Page 138, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment , securing a Note in the original principal amount of $79,650.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, December 6, 2011, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: All that tract or parcel of land lying and being in Land Lot 190 of the 13th Land District of Rabun County, Georgia, and being more particularly described as follows, to wit: For a full and complete description of the real property being hereby described, reference is hereby had and made to a plat of survey dated March 2, 1971 and prepared by James A. Long, Georgia Registered Land Surveyor No. 1579. The real property being hereby described is Lot 35, Block A of Sandy Ford Subdivision. Said plat is of record in Plat Book 8, Page 147 in the Office of the Clerk of Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said Lot 35, Block A of Sandy Ford Subdivision as depicted thereon. There is also conveyed herewith a 2002 Giles Kiss Mobile Home Model #1822, Serial #GM-3979A & GM-3979B. Said property is known as 186 Koala Circle, Lakemont, GA 30552, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Clinton C. Taylor, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Clinton C. Taylor, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney's fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law. Wells Fargo Bank, NA as Attorney-in-Fact for Clinton C. Taylor File no. 11-022740, SHAPIRO & SWERTFEGER, LLP *Attorneys and Counselors at Law, 2872 Woodcock Blvd., Duke Building, Suite 100, Atlanta, GA 30341-3941 (770)220-2535/AB, www.swertfeger.net. *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

10-27,11-3,10,17,24,12-1

CITY OF CLAYTON

NOTICE OF HEARING TO ALL INTERESTED PERSONS AND PARTIES

A hearing will be held in the City of Clayton Municipal Complex Courtroom at 5:30 p.m. before the City of Clayton Mayor and City Council on the 8th day of December, 2011 concerning a proposed rezoning of Land Lot 1, Land District 5 - Map Number C016 022.  This hearing is held under the authority granted by City of Clayton Ordinance. The purpose of said hearing is to receive comments on the rezoning proposed by Mr. Dank James concerning the rezoning of 8.21 acres from R-1 to Agriculture.  Property is located in Land Lot 1, Land District 5, in Clayton Georgia on US Hwy. 76 East with the southern boundary property belonging to Allen Taylor, eastern boundary property belonging to Martha Smith, northern boundary property belonging to Claude Gregory James, western boundary by US Hwy. 76. At the hearing any interested parties may present data, make a statement or offer a viewpoint or argument either orally or in writing. Lengthy statements shall be submitted in writing for the official record. Oral statements shall be concise to afford all an opportunity to be heard. Plat is available to view at Clayton City Hall Clerk's Office. Rhonda Lunsford, City Clerk, City of Clayton.

11-3,10,17

RABUN COUNTY PLANNING COMMISSION

NOTICE OF HEARING TO ALL INTERESTED PERSONS AND PARTIES

A hearing will be held in the Rabun County Courthouse at 6:00 p.m. before the Rabun County Planning Commission on the 28th day of November, 2011, concerning a proposed variance from “Rabun County Code of Ordinances Chapter 56 Zoning.” This hearing is held under the authority granted by Article XII of said Ordinance. The purpose of said hearing is to receive comments on the variance proposed by Jennifer L. Callahan concerning setback requirements. Property is .56 acres located in Land Lot 104, Land District 5, Lot 7, Rabun County Ga., 44 Durango LN, Clayton, GA 30525. Tax parcel is LB01-015. Plat is available to view in the Rabun County Planning and Zoning Office. At the hearing any interested parties may present data, make a statement or offer a viewpoint or argument either orally or in writing. Lengthy statements shall be submitted in writing for the official record. Oral statements shall be concise to afford all an opportunity to be heard. Steve Brett, Chairman, Rabun County Planning Commission

11-3,10

IN THE MAGISTRATE COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE #2011-MV-0200

ABANDON MOTOR VEHICLE LEGAL PUBLICATION NOTICE

GEORGIA RABUN COUNTY

RE: ABANDON MOTOR VEHICLE

To whom It May Concern: Notice of sale at public auction of motor vehicle

1994 Mitsubishi Galant ES/LS 4A3AJ56G2RE095130

Please be advised that the above vehicle was deemed abandoned in terms of law and will be sold at public auction in the State of Georgia, County of Rabun at Rabun County Courthouse, Front Steps (A) Said location is a place reasonably available to persons who might desire to attend and submit bids; and (B) At which those attending shall be given the opportunity to bid on a competitive basis, and (C) At which the sale shall be made to the highest and best bidder and (D) Which sale shall be held on Tuesday, November 15, 2011 at 11:00 a.m. This 27th day of October, 2011. Holly E Henry-Perry, Clerk of Magistrate Court, Rabun County, Georgia.

11-3,10

IN THE MAGISTRATE COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE #2011-MV-0201

ABANDON MOTOR VEHICLE LEGAL PUBLICATION NOTICE

GEORGIA RABUN COUNTY

RE: ABANDON MOTOR VEHICLE

To whom It May Concern: Notice of sale at public auction of motor vehicle

1966 Ford F-100, F10AL817976

Please be advised that the above vehicle was deemed abandoned in terms of law and will be sold at public auction in the State of Georgia, County of Rabun at Rabun County Courthouse, Front Steps (A) Said location is a place reasonably available to persons who might desire to attend and submit bids; and (B) At which those attending shall be given the opportunity to bid on a competitive basis, and (C) At which the sale shall be made to the highest and best bidder and (D) Which sale shall be held on Tuesday, November 15, 2011 at 11:00 a.m. This 27th day of October, 2011. Holly E Henry-Perry, Clerk of Magistrate Court, Rabun County, Georgia.

11-3,10

STATE OF GEORGIA

COUNTY OF RBUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Maxine Shepard Freeman, deceased are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned. This the 31st day of October, 2011. Witness my/our hand(s) and seal(s), on the day above written. Tim and Joi Woods acting as Co-Executors of the Maxine Shepard Freeman estate. Address: 1640 Pool Creek Rd, Clayton, GA 30525, Telephone: 706-782-7195.

11-3,10,17,24

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Tara L Southern to Mortgage Electronic Registration Systems, Inc., dated January 8, 2007, recorded in Deed Book V31, Page 644, Rabun County, Georgia Records, as last transferred to Wells Fargo Bank, N.A. by assignment recorded in Deed Book M37, Page 489, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of FOUR HUNDRED SEVENTEEN THOUSAND AND 0/100 DOLLARS ($417,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Tara L Southern and Charles Barnett Kennedy or a tenant or tenants and said property is more commonly known as 4741 Murray Cove Road, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Wells Fargo Bank, N.A. as Attorney in Fact for Tara L Southern. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076,www.foreclosurehotline.net, MR/sju 12/6/11 Our file no. 51073211-FT7 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lots 94 and 95 of the 5th District, Rabun County, Georgia and being designated as Lot 5, containing 3.00 acres as more fully described on that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated March 21, 1997, last revised February 25, 1998, which is recorded in the Office of the Clerk of Superior Court, Rabun County, in Plat Book 40, Page 80; which plat and legal description thereon are incorporated herein by reference thereto. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the above-described property over and across that certain drive shown upon the above-referenced plat of survey which crosses lots 1 and 2 as shown on plat of survey. MR/sju 12/6/11 Our file no. 51073211 - FT7. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Kenneth R. Henderson to JPMorgan Chase Bank, N.A., dated October 23, 2007, recorded in Deed Book V32, Page 275, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED EIGHT THOUSAND AND 0/100 DOLLARS ($208,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMorgan Chase Bank, National Association, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Kenneth R. Henderson or a tenant or tenants and said property is more commonly known as 510 Kitchins Rd, Clayton, Georgia 30525. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Chase Bank, National Association as Attorney in Fact for Kenneth R. Henderson. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net, MR/ms8 12/6/11 Our file no. 51213811-FT18 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 68 of the Second Land District of Rabun County, Georgia and being more particularly described as follows, to wit: for a full and complete description of the real property being hereby conveyed, reference is hereby had and made to a plat of survey dated November 3, 1994 and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, the real property being hereby conveyed is a 1.10 acre tract of land. Said plat is of record in Plat Book 33, Page 301 in the Office of the Clerk of the Rabun Superior Court. Reference to said plat and the record thereof is for the express purpose of incorporating herein its description of said 1.10 acre tract as depicted thereon. Note: Also conveyed is a perpetual, non-exclusive road right of way easement over and across that certain ten (10) foot wide gravel drive and the extension of the same to the public road system of Rabun County, Georgia. Said tract or parcel of land is hereby conveyed subject to those portions lying within the right of way or bounds of said ten (10) foot wide gravel drive depicted on said plat. MR/ms8 12/6/11 Our file no. 51213811 - FT18. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

 Because of default in the payment of the indebtedness, secured by a Security Deed executed by Linda Gail Masters aka Linda G. Masters and Crystal Masters to Mortgage Electronic Registration Systems, Inc., as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated December 21, 2006 in the amount of $60,000.00, and recorded in Deed Book H31, Page 501, Rabun County, Georgia Records; as last transferred to Cenlar FSB by assignment; the undersigned, Cenlar FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 9 of the Second Land District of Rabun County, Georgia, and being in the City of Clayton and being more fully described as follows: Being 0.44 acre of land with a dwelling house thereon wherein James Richard Gorgon, deceased, resided for many years in the City of Clayton, Georgia and being more fully described on Plat of survey made by Warren Kelly, GA Registered Surveyor No. 2199, dated May 8, 1987, and recorded on the Rabun County, Georgia Deed Records in Plat Book 23, Page 297. Reference is had and made to said plat and record of same for a more fully and completed description of said lands herein conveyed. Said lands are bounded on the East by the right of way of Clayton Drive being a public road; bounded on the North by land Beaty, being a fenced line: bounded on the West by the lands of Youngblood, being fenced line; and bound on the Southeast by Smith and Wilburn Respectively, being a fenced line. Being same lands deeded by Grady Lovell to James R. Gordon Richard Gordon recorded in Deed Book N-3. Page 29; and the same lands later deeded to Robert L. Edwards, Jr., and wife Linda P. Edwards, recorded in Deed Book U-10, Page 498, record May 26th, 1987, Rabun County Superior Court, Rabun County, Georgia. This deed is subject to all notes and exceptions set out in the aforesaid referenced deeds, which has the property address of 92 Clayton Avenue, Clayton, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.  Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Linda Gail Masters aka Linda G. Masters and Crystal Masters  and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Cenlar FSB Attorney in Fact for Linda Gail Masters aka Linda G. Masters and Crystal Masters, McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by John R. Martin and Jamie P. Martin to HomeBanc Mortgage Corporation dated October 1, 2001, and recorded in Deed Book L-21, Page 225, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to The Bank of New York Trust Company, N.A., as successor-in-interest to JPMorgan Chase Bank, N.A. as successor in interest by merger to Bank One, N.A. as Trustee for Structured Assest Mortgage Investments Inc., Mortgage Pass- Through Certificates, Series 2002-AR3, by Assignment, securing a Note in the original principal amount of $386,250.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, December 6, 2011, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 33 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING LOT 49, CONSISTING OF 7.83 ACRES OF SPRUCE CREEK, LTD., DEVELOPMENT, BEING MORE FULLY SHOWN UPON A PLAT OF SURVEY PREPARED BY T. LAMAR EDWARDS DATED FEBRUARY 21, 1979, AND RECORDED IN THE OFFICE OF THE CLERK OF RABUN SUPERIOR COURT IN PLAT BOOK 13, PAGE 284, SAID SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A FULL AND COMPLETE DESCRIPTION OF THE ABOVE DESCRIBED PROPERTY. Said property is known as 851 Worley Creek Road, Lakemont, GA 30552, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of John R. Martin and Jamie P. Martin, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of John R. Martin and Jamie P. Martin, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney's fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law. The Bank of New York Trust Company, N.A., as successor-in-interest to JPMorgan Chase Bank, N.A. as successor in interest by merger to Bank One, N.A. as Trustee for Structured Assest Mortgage Investments Inc., Mortgage Pass- Through Certificates, Series 2002-AR3 as Attorney-in-Fact for John R. Martin and Jamie P. Martin. File no. 10-003039 SHAPIRO & SWERTFEGER, LLP*Attorneys and Counselors at Law, 2872 Woodcock Blvd., Duke Building, Suite 100, Atlanta, GA 30341-3941, (770)220-2535/SJ, www.swertfeger.net. *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from Dover N. Welch to Community Bank & Trust dated October 10, 2008 recorded among Rabun County, Georgia Records in Deed Book F34 Page 494 held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in December, 2011 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Dover N. Welch the following described property: All that tract or parcel of land lying and being in Land Lot 50 of the Second Land District of Rabun County, Georgia and being 10.01 acres as described upon a plat of survey dated June 22, 2005 prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, said survey being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 56, page 130. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. The above-described property is conveyed subject to that certain Georgia Power Company easement dated August 22, 1956 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book F-3, page 95, said easement being a one hundred (100) foot right-of-way and being shown upon the above-referenced plat of survey. There is also conveyed all of the Grantors rights and privileges contained in an Easement Agreement executed by Richard E. Brewer and Jack S. Short as Administrators of the estate of Mrs. Genella (R. E. A. Hamby) dated January 2, 1988 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book E-11, page 52-54. There is also conveyed a perpetual, non-exclusive easement over and across any and all portions of Leafwood Lane for the purposes of access, ingress and egress to and from the above-described lands. Said easement shall be an easement appurtenant to the above-described lands and shall inure to the benefit of the Grantee, its successors, transferees and assigns. There is also conveyed a perpetual, non-exclusive easement over and across that certain ingress-egress easement twenty (20) feet in width extending to the above-described property, said easement being shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 56, page 130 and in survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 35, page 133. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. To the best of the undersigned's knowledge and belief, the party in possession is Dover N. Welch or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Dover N. Welch. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. M. Keith York, Kimzey, Kimzey & York, P. O. Box 38, Cornelia, GA 30531, (706) 778-6823.

11-10,17,24,12-1

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from David E. Conner, Jr. and Melanie K. Conner to Community Bank & Trust dated June 12, 2007, recorded among Rabun County, Georgia Records in Deed Book F32, Page 169, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in December, 2011 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for David E. Conner, Jr. and Melanie K. Conner the following described property: All that tract or parcel of land lying and being in Land Lot 185 of the Second Land District of Rabun County, Georgia, containing 0.60 acre of land, as more particularly described according to that certain plat of survey dated July 11, 2002, prepared by T. Lamar Edwards, Georgia Registered land Surveyor No. 1837, said plat being recorded in Plat book 48, Page 62, Clerk’s office, Rabun Superior Court, reference to said plat being for the express purpose of incorporating its description herein. The above-described property is conveyed subject to easements as shown upon the above referenced plat, actually existing upon said property, or of record. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. To the best of the undersigned's knowledge and belief, the parties in possession are David E. Conner, Jr. and Melanie K. Conner or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for David E. Conner, Jr. and Melanie K. Conner. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. M. Keith York, Kimzey, Kimzey & York, P. O. Box 38, Cornelia, GA 30531, (706) 778-6823.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER CONTAINED IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF Rabun

Pursuant to a power of sale contained in a certain security deed executed by Joseph K Lockwood, hereinafter referred to as Grantor, to Mortgage Electronic Registration Systems, Inc. as nominee for Home Town Mortgage, Inc. recorded in Deed Book D32, beginning at Page 291, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said security deed, the undersigned attorney-in-fact for the aforesaid Grantor (which attorney-in-fact is the present holder of said security deed and note secured thereby) will sell before the door of the courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in December, 2011, the property which, as of the time of the execution of said security deed, was described as set forth in the attached Exhibit "A". Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, and all other matters of record superior to the said security deed. The entity that has full authority to negotiate, amend, and modify all terms of the Note and Security Deed is New York Community Bank, 1801 East Ninth Street, Cleveland, Ohio 44114, 866-476-0022. To the best of the undersigned's knowledge and belief, the party in possession of the property is believed to be Joseph K Lockwood or tenant(s). New York Community Bank, As Transferee and Assignee, As attorney-in-fact for the aforesaid Grantor, Campbell & Brannon, L.L.C., Attorney at Law, 990 Hammond Drive, Suite 800, One Lakeside Commons, Atlanta, Georgia 30328, (770) 392-0041. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. /Joseph K Lockwood/11-61618. EXHIBIT "A". A LEASEHOLD INTEREST IN AND TO: All that tract or parcel of land lying and being in Land Lot 100 of the Fifth Land District of Rabun County, Georgia, and being designated as Georgia Power Company Lease Lot 274 in Area 10 of the Lake Burton Recreational Development as more fully described on that certain plat of survey prepared by William F Rolader, Georgia Registered Land Surveyor No. 2042, dated May 28, 2003, which is recorded in the Office of the clerk of Rabun Superior Court in Plat Book 50, Page 205. Reference is had and made to said plat and recorded the same for a full and complete description of the property herein described. 109 Cheyenne Lane, Clayton, GA 30525

11-10,17,24,12-1

Notice of Sale Under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt given by Lake Burton Development, LLC (the “Grantor”) to Bank of Hiawassee d/b/a Bank of Blairsville dated December 19, 2002 and recorded December 26, 2002 in Deed Book O-23, Page 342, Rabun County, Georgia official records, as assigned to Cadence Bank, N.A., successor-by-merger to Seasons Bank ("Lender") pursuant to that certain Assignment dated July 29, 2005 and recorded September 19, 2005 in Deed Book T28, Page 570, Rabun County, Georgia official records, as modified by that certain Modification of Deed to Secure Debt between Grantor and Lender, dated November 19, 2005 and recorded December 22, 2005 in Deed Book I29, Page 506, aforesaid Records, as modified by that certain Modification and Extension of Deed to Secure Debt between Grantor and Lender dated August 20, 2007 and recorded August 29, 2007 in Deed Book O32, Page 321, aforesaid Records, as modified by that certain Modification and Extension of Deed to Secure Debt between Grantor and Lender, dated November 20, 2008 and recorded January 15, 2009 in Deed Book M34, Page 636, aforesaid Records (together with any and all additional amendments and modifications, collectively hereinafter referred to as the “Security Deed”), conveying the property described below to secure repayment of: (i) that certain Commercial Fixed Rate Promissory Note given by Grantor to Lender dated November 20, 2008 in the stated principal amount of $1,097,328.00, together with interest thereon as set forth therein; (ii) that certain Commercial Variable Rate Promissory Note given by Grantor to Lender dated November 18, 2008 in the stated principal amount of $200,768.00, together with interest thereon as set forth therein; and (iii) any and all other indebtedness, plus interest thereon, due and owing by Grantor to Lender, whether now existing or hereinafter created (together with any and all prior notes, amendments or modifications, collectively hereinafter referred to as the “Secured Indebtedness”), there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December 2011 (being December 6, 2011) the following described parcel of real property together with all improvements, personalty, fixtures, easements, hereditaments, rights, members, and appurtenances located thereon and described in the Security Deed: TRACT 1: ALL THAT TRACT OR PARCEL OF LAND containing 12.43 acres (more or less), lying and being in Land Lot 6 of the 1st Land District, Rabun County, Georgia as shown upon that certain plat of survey dated December 4, 2002, prepared by Wayne A. Powers, Georgia Registered Land Surveyor No. 2891, and recorded in Plat Book 49, Page 155, Clerk's office, Rabun Superior Court, and being described as follows: To find the Point of Beginning, commence at the northernmost corner of Lot 3G of Unit 2, Phase 1 of Waterfall at Lake Burton as shown on that certain Final Plat recorded at Plat Book 45, pages 176-177, Rabun County Georgia Records and run thence North 22°34'47" East a distance of 86.99 feet; thence North 60°41'57" East a distance of 20.00 feet to a point located on the western right of way line of Waterfall Drive (60' right of way) and the Point of Beginning. From the Point of Beginning thus established, run thence 27.65' along the arc of curve to the right in the western right of way line of Waterfall Drive, said arc having a radius of 65.00', and being subtended by a chord bearing North 17°06'46" West, a chord distance of 27.45'; thence North 06°18'42" West, a distance of 173.98'; thence North 09° 06'32" West, a distance of 58.45'; thence 58.40' along the arc of a curve to the right, said arc having a radius of 120.00', and being subtended by a chord bearing North 04°49'59" West, a chord distance of 57.82'; thence North 18°46'30" East, a distance if 111.76'; thence 54.30' along the arc of a curve to the left, said arc having a radius of 80.00', and being subtended by a chord bearing North 00°40'07" West, a chord distance of 53.26'; thence departing the right-of-way of Waterfall Drive and running thence 62.66' along the arc of a curve to the left, said arc having a radius of 135.00', and being subtended by a chord bearing South 43°18'24" West, a distance of 62.10'; thence 93.16' along the arc of a curve to the right, said arc having a radius of 265.00, and being subtended by a chord bearing South 40°04'54" West, a chord distance of 92.68'; thence South 50°09'10" West, a distance of 56.83', thence South 48°46'00" West, a distance of 212.06', thence North 74°16'27" West, distance of 270.72', thence South 14°55'43" West, a distance of 118.40', thence South 75°13'37" East, a distance of 136.13', thence South 19°43'09" West, a distance of 80.64', thence South 43°21'25" West, a distance of 112.89', thence South 16°15'36" East, a distance of 119.04', thence South 85°57'16" West, a distance of 212.88'; thence North 20°10'08" East, a distance of 132.23'; thence 62.48' along the arc or a curve to the right, said arc having a radius of 63.00', and being subtended by a chord bearing North 28°31'07" West, a chord distance of 59.95'; thence North 03°49'54" East, a distance of 127.12'; thence North 83°33'52" West, a distance of 300.68'; thence South 86°53'06" West, a distance of 140.23'; thence South 02°12'24" East, a distance of 90.57'; thence South 02°12'24" East, a distance of 38.06'; thence South 06°56'07" East, a distance of 99.61'; thence South 10°23'28" East, a distance of 223.80'; thence North 86°53'06" East, a distance of 159.24' to the eastern right-of-way line of Village Path Drive (r/w varies - not less than 30') and continuing along such eastern and northern right-of-way line the following courses and distances: north 75 57'37" east, a distance of 27.42'; thence south 09 40'12" east, a distance of 70.99; thence 67.21' along the arc of a curve to the left, said arc having a radius of 75.00', and being subtended by a chord bearing south 34 46'14" east, a chord distance of 64.98'; thence south 60 26'32" east, a distance of 51.37'; thence 47.36' along the arc of a curve to the left, said arc having a radius of 72.00', and being subtended by a chord bearing south 79 17'12" east, a chord distance of 46.51'; thence north 82 25'77" east, a distance of 99.78'; thence north 81 06'01" east, a distance of 80.25'; thence 4.22' along the arc of a curve to the right, said arc having a radius of 500.00', and being subtended by a chord bearing north 79 42'45" east, a chord distance of 24.21'; thence 30.79' along the arc of a curve to the left, said arc having a radius of 2267.99', and being subtended by a chord bearing north 77 56'34" east, a chord distance of 30.79'; thence 61.26' along the arc of a curve to the left, said arc having a radius of 567.39', and being subtended by a chord bearing north 76 42'05" east, a chord distance of 61.23'; thence 46.59' along the arc of a curve to the right, said arc having a radius of 182.84', and being subtended by a chord bearing north 82 38'73" east, a chord distance of 46.46'; thence north 89 56'19" east, a distance of 104.23'; thence 35.47' along the arc of a curve to the left, said arc having a radius of 173.20', and being subtended by a chord bearing north 84 04'17" east, a chord distance of 35.41'; thence departing the right-of-way of Village Path and running thence north 25 45'45" west, a distance of 37.00'; thence north 72 36'71" east, a distance of 60.00'; thence north 44 52'24" east, a distance of 89.62'; thence north 44 52'02" east, a distance of 107 01'; thence north 30 00'38" east, a distance of 60.10'; thence north 22 34'47" east, a distance of 86.99'; thence north 60 41'57" east, a distance of 20.00' to a point on the western right-of-way line of Waterfall Drive and the Point of Beginning. The aforementioned tract or parcel is subject to the Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Book S-18, Pages 309-342, Clerk's Office Rabun Superior Court as amended by First Amendment thereto dated June 15, 1999, recorded at Deed Book X18, Page 442, of said records, and any and all amendments or modifications thereto of record. The property herein conveyed is subject to a 10 foot easement around all property lines for future utilities and drainage. The property herein conveyed is subject to that 10' landscape and pedestrian easement as shown upon the above-referenced plat of survey. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 2001, recorded in Deed Book S-20, Page 565, Clerk's Office, Rabun Superior Court, and pertaining to the sewer system of Waterfall of Lake Burton. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 200, recorded in Deed Book R-20, Page 462, Clerk's office, Rabun Superior Court, and pertaining to the utility system of Waterfall of Lake Burton. The property herein conveyed is subject to, if any, the rights of others to use that road which crosses portions of the northern boundary of the above-described 12.43 acre tract as same is shown upon the above-referenced plat of survey. Conveyed herewith are any and all benefits and rights pertaining to the sewer and utility system of Waterfall at Lake Burton as same pertain to the property herein conveyed. Conveyed herewith is a non-exclusive, perpetual easement for ingress and egress over and across those subdivision roads of Waterfall at Lake Burton from the US Highway 76 - Georgia Highway No. 2 to the above-described property herein conveyed. LESS AND EXCEPT THE FOLLOWING: 1. All property as shown on Plat of Survey for Phase 1 Waterfall Villas, dated January 18, 2005, recorded in Plat Book 54, page 49, Rabun County, Georgia records. 2. All property as shown on Plat of Survey for Future Waterfall Club House, dated January 18, 2005, recorded in Plat Book 54, page 51, aforesaid records.3. All of Lots 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 and 14 of Unit 1, Block "L" of Waterfall at Lake Burton as shown on plat, dated February 23, 2005, recorded in Plat Book 54, page 57, aforesaid records. 4. All property as shown on Plat of Parking for Club House, dated March 3, 2005, recorded in Plat Book 54, page 50 aforesaid records. TRACT 2: ALL THAT TRACT OR PARCEL OF LAND containing 5.76 acres (more or less), lying and being in Land Lots 6 of the District and Land Lot 91 of the 5th District, Rabun County Georgia as shown upon that particular plat of survey dated November 25, 2002, prepared by Wayne A. Powers, Georgia Registered Land Surveyor #2891, and recorded in Plat Book 49, Page 154, Clerk's office, Rabun Superior Court, and being described as follows: Beginning at the intersection of the northern right-of-way line of U.S. Route 76 (variable r/w) and the eastern boundary of Land Lot 91 of the 5th District, Rabun County, Georgia and running thence 75.12' along the arc of a curve to the left in the northern right-of-way line of U.S. Rout 76, said arc having a radius of 552.46', and being subtended by a chord bearing South 89°13'00" West a chord distance of 75.06' to a point; thence North 04°40'43" West, along the northern right-of-way line of U.S. Route 76, a distance of 25.00' to a point; thence 1112.57' along the arc of a curve tot eh left in the northern right-of-way line of U.S. Route 76, said arc having a radius of 577,46' and being subtended by a chord bearing South 79°44"13" West, a chord distance of 112.39" to a point; thence departing the northern right-of-way line of U.S. Route 76 and running North 02°44"34" West, a distance of 85.37' to a point; thence North 00°02'15" West, a distance of 129.52 to a point; thence 14.40 along the arc of a curve to the right, said arc having a radius of 100.00' and being subtended by a chord bearing South 72°34'38" West, a chord distance of 14.39' to a point; thence South 76°42'09" West, a distance of 82.11 to a point; thence 54.40' along the arc of a curve tot he right, said arc having a radius of 60.24' and being subtended by a chord bearing North 77°25'40" West, a chord distance of 52.57' to a point located on the southern right-of-way line of Magnolia Place (40' r/w) and running thence along the right-of-way line of Magnolia Place and following courses and distance: 35.31 ' along the arc of a curve to the left, said arc having a radius of 1520.00' and being subtended by a chord bearing North 59°49'54" East a chord distance of 35.31' to a point; thence 51.51' along the arc of a curve to the left, said arc having a radius of 1520.00' and being subtended by a chord bearing North 58°11'43" East, a chord distance of 51.51' to a point; thence 33.06' along the arc of a curve to the left, said arc having a radius of 420.00' and being subtended by a chord bearing North 54°58'10" East, a chord distance of 33.05' to a point; thence 24.73' along the arc of a curve to the right, said arc having a radius of 30,00' and being subtended by a chord bearing North 76°19'30" East, a chord distance of 24.03'; thence 246.40 along the arc of a curve to the left, said arc having a radius of 50' and being subtended by a chord bearing North 41°14'28" West, a chord distance of 62.69' to a point; thence 29.46' along the arc of a curve to the right, said arc having a radius of 30.00' and being subtended by a chord bearing South 25°42'53" West, a chord distance of 28.29' to a point; thence 22.40 along the arc of a curve to the right, said arc having a radius of 380.00' and being subtended by a chord bearing South 55°32'09" West, a chord distance of 22.40' to a point; thence 206.81' along the arc of a curve tot he right, said arc having a radius of 1480.00' and being subtended by a chord bearing South 61°13'40" West, a chord distance of 206.64' to a point; thence 48.32' along the arc of a curve to the right, said arc having a radius of 1480.00' and being subtended by a chord bearing South 66°09'59" West, a chord distance of 48.32' to a point; thence 148.29' along the arc of a curve to the right, said arc having a radius of 1480.00' and being subtended by a chord bearing South 69°58'19" West, a chord distance of 148.22' to a point; thence departing the northern right-of-way line of Magnolia Place and running thence North 17°31'24" East, a distance of 20.88; thence North 28°44'37" East, a distance of 23.39'; thence North 53°04'41" East, a distance of 43.61'; thence North 20°31'48" East, a distance of 72.11'; thence North 14°59'09" West, a distance of 38.01', thence North 07°57'58" East, a distance of 31.00; thence North 33°29'41" East, a distance of 40.29'; thence North 13°22'08" East, a distance of 56.02'; thence North 36°33'05" East, a distance of 136.83'; thence North 51°02'58" East, a distance of 100.34'; thence North 32°51'35" East, a distance of 89.30'; thence North 42°34'18" East, a distance of 95.78'; thence South 63°26'31" East, a distance of 24.00'; thence South 73°14'07" East, a distance of 18.88'; thence South 05°01'37" West, a distance of 99.16'; thence South 12°22'00" West, a distance of 50.23; thence South 05°18'07" East, a distance of 169.04'; thence North 44°54'25" East, a distance of 151.70'; thence North 51°14'19" East, a distance of 143.84'; thence North 89°41'15" East, a distance of 131.10' to a point located on the common boundary line between Land Lots 5 and 6 of the 1st Land District , Rabun County, Georgia and running thence along such boundary line South 00°55'00" East, a distance of 654.15 to a point located on the northern right-of-way line of U. S. Route 76 (variable r/w) and the Point of Beginning. The property herein conveyed is subject to that certain Golf Easement Agreement between Georgia Power Company and Lake Burton Development, LLC dated January 9, 1998 and recorded in Deed Book _____, Page _____, Clerk's office, Rabun Superior Court. Lot 12, Block H of the above-described property is conveyed subject to those restrictions contained in that Limited Warranty Deed from Georgia Power Company to Lake Burton Development, LLC dated January 9, 1998 and recorded in Deed Book P-17, Page 34, aforesaid records. Conveyed herewith is a non-exclusive, perpetual easement for ingress and egress over and across those subdivision road of Waterfall at Lake Burton from the U. S. Highway 76 - Georgia Highway No. 2 to the above-described property herein conveyed. The property herein conveyed is subject to the Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Book S-18, Page 309-342, Clerk's Office Rabun Superior Court as amended by First Amendment thereto dated June 15, 1999, recorded at Deed Book X18, Page 442, of said records, and any and all amendments or modifications thereto of record. The property herein conveyed is subject to a 10 foot easement around all property lines for future utilities and drainage. The property herein conveyed is subject to that 10' landscape and pedestrian easement as shown upon the above-referenced plat of survey. The property herein conveyed is subject to those setback lines as same are shown upon that plat of survey recorded in Plat Book 49, Page 154, Clerk' office, Rabun Superior Court. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 2001, recorded in Deed Book S-20, Page 565, Clerk's Office, Rabun Superior Court, and pertaining to the sewer system of Waterfall of Lake Burton. Further, the property herein conveyed is subject to that certain Trust Indenture from Lake Burton Development, LLC to Waterfall Property Owners Association, Inc. dated April 10, 200, recorded in Deed Book R-20, Page 462, Clerk's office, Rabun Superior Court, and pertaining to the utility system of Waterfall of Lake Burton. Conveyed herewith are any and all benefits and rights pertaining to the sewer and utility system of Waterfall at Lake Burton as same pertain to the property herein conveyed. LESS AND EXCEPT THE FOLLOWING: 1. All of Lots 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12 of Unit 1, Block "H" of Waterfall at Lake Burton as shown on Final Subdivision Plat of Unit 1 Block H of Waterfall at Lake Burton, dated November 25, 2002, recorded in Plat Book 50, page 2, Rabun County, Georgia records. 2. All property as conveyed in Limited Warranty Deed from Lake Burton Development, LLC to Williams-Rhineheart, LLC, dated August 18, 2003, recorded in Deed Book X-24, page 69, aforesaid records. The Secured Indebtedness has been and is hereby accelerated and declared due because of, among other possible events of default, failure to pay the Secured Indebtedness as and when due and in the manner provided in the instruments evidencing the Secured Indebtedness and Security Deed. As the Secured Indebtedness remains in default, the sale will be made for purposes of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (written notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed. To the best knowledge and belief of the undersigned, the party in possession of the property is the Grantor or a tenant or tenants claiming through it. Cadence Bank, N.A., Attorney-in-Fact and Agent for Lake Burton Development, LLC, Bryan T. Glover, Burr & Forman LLP, 171 Seventeenth Street, N.W., Suite 1100, Atlanta, Georgia 30363 Email: bglover@burr.com, Phone: (404) 815-3000, Facsimile: (404) 817-3244. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

Notice of Sale Under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt given by Lake Burton Development, LLC (the “Grantor”) to Cadence Bank, N.A. ("Lender") dated November 9, 2007 and recorded November 15, 2007 in Deed Book X-32, Page 355, Rabun County, Georgia official records (together with any and all additional amendments and modifications, collectively hereinafter referred to as the “Security Deed”), conveying the property described below to secure repayment of: (i) that certain Commercial Fixed Rate Promissory Note given by Grantor to Lender dated November 20, 2008 in the stated principal amount of $1,097,328.00, together with interest thereon as set forth therein; (ii) that certain Commercial Variable Rate Promissory Note given by Grantor to Lender dated November 18, 2008 in the stated principal amount of $200,768.00, together with interest thereon as set forth therein; and (iii) any and all other indebtedness, plus interest thereon, due and owing by Grantor to Lender, whether now existing or hereinafter created (together with any and all prior notes, amendments or modifications, collectively hereinafter referred to as the “Secured Indebtedness”), there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December 2011 (being December 6, 2011) the following described parcel of real property together with all improvements, personalty, fixtures, easements, hereditaments, rights, members, and appurtenances located thereon and described in the Security Deed: All that tract or parcel of land lying and being in Land Lot 24 of the Fourth Land District of Rabun County, Georgia, and being designated as Lot 4 containing 0.25 acres, Lot 5 containing 0.24 acres, Lot 6 containing 0.24 acres, Lot 11 containing 0.15 acres, Lot 12 containing 0.17 acres, Lot 17 containing 0.21 acres, Lot 21 containing 0.35 acres, Lot 23 containing 0.31 acres, Lot 30 containing 0.40 acres and Lot 32 containing 0.45 acres of The Timbers of Kingwood Estates as shown on that certain plat of survey prepared by Wayne A. Powers, Georgia Registered Land Surveyor No. 2891, dated December 28, 2005, which is recorded in the office of the Clerk of Rabun Superior Court in Plat Book 56, Page 169-171. Said plat and the record thereof are hereby incorporated herein and made a part hereof by reference. The property herein conveyed is subject to that Declaration of Covenants, Conditions and Restrictions for The Timbers at Kingwood recorded in Deed Book 0-25, Page 638, Clerk's office, Rabun Superior Court, and all modifications and amendments of record thereto. Conveyed herewith is a perpetual, non-exclusive easement for the use, maintenance and repair of water and sewer lines which traverse adjacent property owned by Kingwood, LLC which serve the above referenced tract of land. Conveyed herewith is a perpetual non-exclusive easement for access ingress and egress over and across the subdivision roads to and from the above-referenced tracts of land to the public road system. This property is subject to the covenants and restrictions for Kingwood Subdivision recorded in the Clerk's office, Rabun Superior Court in Deed Book E-18, Pages 98-107, Deed Book A-7, Pages 487-505, Deed Book L-18, Pages 98-148 and Deed Book 0-27, Page 359, and all modifications and amendments of record thereto. The above described Lots 4, 5, 6 and 17 are subject to that certain ingress/egress easement extending from Timberridge Drive to Lot 1, as same is shown upon the above referenced plat of survey. The Secured Indebtedness has been and is hereby accelerated and declared due because of, among other possible events of default, failure to pay the Secured Indebtedness as and when due and in the manner provided in the instruments evidencing the Secured Indebtedness and Security Deed. As the Secured Indebtedness remains in default, the sale will be made for purposes of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (written notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed. To the best knowledge and belief of the undersigned, the party in possession of the property is the Grantor or a tenant or tenants claiming through it. Cadence Bank, N.A., Attorney-in-Fact and Agent for Lake Burton Development, LLC, Bryan T. Glover, Burr & Forman LLP, 171 Seventeenth Street, N.W., Suite 1100, Atlanta, Georgia 30363, Email: bglover@burr.com, Phone: (404) 815-3000 Facsimile: (404) 817-3244. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from JEANNE T. HUNT, STEPHEN D. HUNT to Mortgage Electronic Registration Systems, Inc as nominee for Countrywide Bank , FSB, dated June 21, 2007, recorded June 29, 2007, in Deed Book G32, Page 621-639, Rabun County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Million Three Hundred Twenty-Eight Thousand and 00/100 dollars ($1,328,000.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2007-OH3, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OH3, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 145 OF THE SECOND LAND DISTRICT OF RABUN COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS LOT 44, PHASE I OF THE RIDGES OF RABUN CONTAINING 1.436 ACRES, AS DEPICTED ON THE PLAT OF SURVEY DATED OCTOBER 5, 2004, AND PREPARED BY EDWIN G. DAVIDSON, GEORGIA REGISTERED LAND SURVEYOR NO. 2586. SAID PLAT IS OF RECORD IN PLAT BOOK 53, PAGES 161-165, IN THE OFFICE OF THE CLERK OF THE RABUN SUPERIOR COURT. REFERENCE IS HAD AND MADE TO SAID PLAT AND THE RECORD THEREOF FOR A FULL AND COMPLETE DESCRIPTION OF LOT 44 AS DEPICTED THEREON. ALSO CONVEYED IS A PERPETUAL, NON-EXCLUSIVE ROAD RIGHT OF WAY EASEMENT OVER AND ACROSS THE ROADWAYS DEPICTED ON THE ABOVE DESCRIBED PLATS FOR THE PURPOSE OF PROVIDING INGRESS TO AND EGRESS FROM SAID TRACT OR PARCEL OF LAND WITH THE PUBLIC ROAD SYSTEM OF RABUN COUNTY, GEORGIA. SAID TRACT OR PARCEL OF LAND IS HEREBY CONVEYED SUBJECT TO THE RIGHTS OF OTHERS TO USE SAID ROADWAYS. THE ABOVE DESCRIBED TRACT OR PARCEL OF LAND IS CONVEYED SUBJECT TO THOSE DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE RIDGES OF RABUN OF RECORD IN DEED BOOK G- 27, PAGES 584-617, AFORESAID RECORDS. Said property is commonly known as 258 GREEN MEADOWS DRIVE, RABUN GAP, GA 30568. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an 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; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is JEANNE T. HUNT, STEPHEN D. HUNT, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2007-OH3, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-OH3 as Attorney in Fact for JEANNE T. HUNT, STEPHEN D. HUNT. Lender Contact: BAC, Loss Mitigation Dept., P.O. Box 940070, Simi Valley, CA 93094-0070, Telephone Number: 800-720-3758 Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092 Telephone Number: (877) 813-0992 Case No. BAC-11-11098-1. www.rubinlubin.com/property-listings.php.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from KIMBERLY A WOOTEN AND DEVIN WOOTEN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC ACTING SOLELY AS A NOMINEE FOR SHELTER MORTGAGE COMPANY, LLC DBA FAIRFIELD MORTGAGE, dated January 26, 2007, recorded February 2, 2007, in Deed Book m31, Page 11-25, Rabun County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Seventy-Nine Thousand Nine Hundred and 00/100 dollars ($79,900.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to GUARANTY BANK, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND BEING LOT 61 IN BLOCK 61 IN BLOCK 5 OF CLATTON TERRACE SUBDIVISION, ACCORDING TO THE PLAT THEREOF, RECORDED IN PLAT BOOK 5, PAGE 172, IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RABUN COUNTY, GEORGIA, AND SAID PROPERTY LYING IN BEING IN LAND LOT 21 OF THE 5TH DISTRICT, RABUN COUNTY, GEORGIA, SAID PLAT IS HEREBY REFERRED TO FOR THE PURPOSE OF INCORPORATING THE SAME AS A PART HEREIN. Said property is commonly known as 65 JERICHO LANE, CLAYTON, GA 30525. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold subject to the following items which may affect the title to said property: all zoning ordinances; matters which would be disclosed by an accurate survey or by an 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; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is KIMBERLY A WOOTEN AND DEVIN WOOTEN, DEVIN WOOTEN, KIMBERLY A WOOTEN, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

GUARANTY BANK as Attorney in Fact for KIMBERLY A WOOTEN AND DEVIN WOOTEN. Lender Contact: GUARANTY, Loss Mitigation Dept., 4000 W. Brown Deer Road, Milwaukee, WI 53209, Telephone Number: 800-741-4605, Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092

Telephone Number: (877) 813-0992 Case No. GTY-11-08793-2, www.rubinlubin.com/property-listings.php.

11-10-17-24-12-1

Notice of Sale Under Power.

State of Georgia, County of RABUN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by DAVID E FRIEDRICHS AND ANGIE M FRIEDRICHS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR FIRST MAGNUS FINANCIAL CORPORATION , dated 11/07/2001, and Recorded on 11/21/2001 as Book No. R-21 and Page No. 408-417, RABUN County, Georgia records, as last assigned to WELLS FARGO BANK, N.A., by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $87,647.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the RABUN County Courthouse within the legal hours of sale on the first Tuesday in December, 2011, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 47 OF THE FOURTH LAND DISTRICT OF RABUN COUNTY, GEORGIA AND BEING DESIGNATED AS TRACT 4-A CONTAINING 1.68 ACRES AS MORE PARTICULARLY DESCRIBED ACCORDING TO THAT CERTAIN PLAT OF SURVEY DATED, REVISED AUGUST 6, 1981, AND PREPARED BY T. LAMAR EDWARDS, GEORGIA REGISTERED LAND SURVEYOR NO. 1837, SAID PLAT BEING RECORDED IN PLAT BOOK 16, PAGE 248 IN THE OFFICE OF THE CLERK OF THE RABUN SUPERIOR COURT. REFERENCE IS HEREBY HAD AND MADE TO SAID PLAT BEING FOR THE EXPRESS PURPOSE OF INCORPORATING ITS DESCRIPTION HEREIN. ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 47 OF THE FOURTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS, TO WIT: FOR A FULL AND COMPLETE DESCRIPTION OF THE REAL PROPERTY BEING HEREBY CONVEYED, REFERENCE IS HEREBY HAD AND MADE TO A PLAT OR SURVEY REVISED AUGUST 6, 1981 AND PREPARED BY T. LAMAR EDWARDS, GEORGIA REGISTERED LAND SURVEYOR NUMBER 1837. THE REAL PROPERTY BEING HEREBY CONVEYED IS TRACT 4-A CONTAINING 1.68 ACRES. SAID PLAT IS OF RECORD IN PLAT BOOK 16, PAGE 248 IN THE OFFICE OF THE CLERK OF THE RABUN SUPERIOR COURT. REFERENCE TO SAID PLAT AND THE RECORD THEREOF IS FOR THE EXPRESS PURPOSE OF INCORPORATING HEREIN ITS DESCRIPTION OF SAID TRACT 4-A CONTAINING 1.68 ACRES AS DEPICTED ON SAID PLAT. NOTE: SAID TRACT OR PARCEL OF LAND IS SUBJECT TO THOSE CERTAIN RESTRICTIONS AND EASEMENT AS CONTAINED IN A WARRANTY DEED DATED MAY 18, 1984 FROM WALTER KEITH VAN NUS AND EILEEN DAINE VAN NUS TO GRANTOR HEREIN AND SUBJECT TO EASEMENT RIGHTS IN A WARRANTY DEED TO CHARLES R. LACKEY IN DEED BOOK E-12, PAGE 702, AFORESAID RECORDS. NOTE: GRANTOR SPECIFICALLY WARRANTS TO GRANTEES THEIR HEIRS, SUCCESSORS AND ASSIGNS EASEMENT RIGHTS FOR USE OF THAT CERTAIN ROADWAY SHOWN AS ACCESS TO SAID PROPERTY AND WATER RIGHTS TO THE SPRING AND RESERVOIR LOCATED ON ADJOINING PROPERTY SHOWN ON THE ABOVE REFERENCED PLAT WHCIH FURNISHES WATER TO SAID PROPERTY AS WELL AS THE RIGHT TO MAINTAIN SAID WATER SYSTEM. NOTE: THE ABOVE TRACT 4-A CONTAINING 1.68 ACRES IS BEING CONVEYED TOGETHER WITH THAT CERTAIN HOUSING UNIT WHICH WAS FORMERLY PERSONALLY BUT IS NOW PERMANENTLY ANNEXED AND AFFIXED TO THE ABOVE DESCRIBED LAND AS A PERMANENT IMPROVEMENT AND WHICH IS A 2000. DYNASTY DOUBLEWIDE MOBILE HOME WITH MODEL NUMBER: 27 X 72 5 + 3 SMH82 AND WITH SERIAL NUMBER: H814296GL&R. GRANTOR(S)/BORROWER(S) AND GRANTEE/LENDER HEREBY ACKNOWLEDGE THEIR INTENTION THAT THE HOUSING UNIT REFERRED TO IN THE ABOVE DESCRIPTION OF THE PROPERTY IS AND SHALL FOREVER REMAIN PERMANENTLY AFFIXED AS PART OF THE REAL PROPERTY HEREIN CONVEYED AND SECURING ALL SUMS SECURED BY THIS DEED. IN RECOGNITION THAT SAID HOUSING UNIT HAS NOW AND FOREVER CEASED TO BE PERSONAL PROPERTY, GRANTOR(S)/BORROWER(S) HEREBY WAIVES ANY AND ALL RIGHTS GRANTOR(S)/BORROWER(S) MAY HAVE THE EVENT GRANTOR(S)/BORROWER(S) BREACHES ANY COVENANT OR AGREEMENT IN THIS DEED TO REQUIRE GRANTEE/LENDER TO RESORT TO ANY REMEDY OTHER THAN THOSE SET FORTH ABOVE. GRANTOR(S)/BORROWER(S) SPECIFICALLY WAIVES THE RIGHT TO REQUIRE ANY TYPE OF JUDICIAL FORECLOSURE OF GRANTEE/LENDER'S SECURITY INTEREST IN SAID HOUSING UNIT UNDER ANY PROVISION OF GEORGIA LAW. IF GRANTOR(S) BORROWER(S) COMMITS ANY BREACH AND GRANTEE/LENDER INVOKES THE POWER OF SALE SET FORTH IN THIS SECURITY DEED, THEN GRANTOR(S)/BORROWER(S) HEREBY APPOINTS GRANTEE/LENDER GRANTOR(S)/BORROWER(S) AGENT AND ATTORNEY IN FACT TO CONVEY TITLE TO SAID HOUSING UNIT IF AND TO THE EXTENT REQUIRED UNDER THE GEORGIA MOTOR VEHICLE CERTIFICATE OF TITLE ACT, OR ANY OTHER APPLICABLE LAW. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: FirstClientLegalName ( Total 70 characters, 2001 Stradivarius(ClientAddr1), Foreclosure ClientAddr2, Carrollton, TX 75281, . Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 368 SHE CREEK LANE, CLAYTON, GEORGIA 30525 is/are: DAVID E FRIEDRICHS AND ANGIE M FRIEDRICHS or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. WELLS FARGO BANK, N.A. as Attorney in Fact for DAVID E FRIEDRICHS AND ANGIE M FRIEDRICHS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20110000100001 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF RABUN.

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt (“Security Deed”) executed by Frederick Merrill Brown, Jr. in favor of Community Bank & Trust, dated December 12, 2003, and recorded at Deed Book O-25, Pages 32-34 of the Rabun County, Georgia Deed Records as assigned pursuant to that Transfer and Assignment of Deed to Secure Debt from FDIC, as receiver for Community Bank & Trust to SCBT, N.A., d/b/a CBT, a Division of SCBT, N.A. dated January 28, 2011, and recorded at Deed Book Y-36, pages 583-598 of the aforesaid deed records, the undersigned will sell at public outcry to the highest bidder for cash before the door of the Courthouse of Rabun County, Georgia, during the legal hours of sale, on the first Tuesday in December, 2011, that being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 70 of the Second Land District of Rabun County, Georgia, consisting of 4.41 acres as shown upon that certain plat of survey dated March 22, 2001, prepared by Kenyon L. Miller, F.R.L.S. #2595. Said survey being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 46, page 92. Said plat and the record of the same being incorporated herein by reference for a full and complete description of the above-described land being Lots 113, 114, and 115 of Heaven’s Landing Subdivision, Rabun County, Georgia. Also conveyed is an easement along the presently existing gravel drive southerly to Little Creek Road, said easement being for ingress and egress to the above described property, including utilities, where applicable. The above-described land is conveyed subject to the following: 1. The easement rights of Habersham Electric Membership Corporation to a power line easement with the right to trim and maintain said power line as it crosses and traverses said tract as shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 42, page 154. 2. Riparian rights of upper and lower and abutting owners in and to the creeks, springs, branches, crossing or adjoining said lands free from diminution or pollution. Said property is conveyed subject to previous reservation of Heaven’s Landing, LLC, its successors, transferees and assigns a perpetual non-exclusive easement for use, maintenance and repair of a road forty (40) feet in width extending along and with the southwesterly boundary of the above-described property and being shown upon the above-referenced plat of survey. Said easement shall be forty (40) feet in width with twenty (20) feet lying on each side of the centerline of said easement, and the centerline of said easement is more fully shown upon the above-referenced plat of survey. There is also conveyed all of the Grantor’s easement rights to use Little Creek Public Road extending from the southerly boundary of adjoining property of Grantor to Devil’s Branch Road. The debt secured by said Security Deed is primarily evidenced by a Commercial Promissory Note (“Note”) executed by Frederick Merrill Brown, Jr., dated April 3, 2008, in the original principal amount of $635,375.28, payable from the date thereof shown on said Note on the unpaid balance and interest until paid. Default has occurred in the payment of the debt evidenced by the Note and secured by the Security Deed as a result of the nonpayment of installments owed thereunder. The total balance of said debt has, therefore, been declared due and the Security Deed foreclosable according to its terms. The debt remaining in default, the property will be sold to the highest bidder for cash as the property of Frederick Merrill Brown, Jr., the proceeds to be applied to the payment of said indebtedness, and the lawful expenses of said sale, all as provided in the Note and the Security Deed, said sale to be subject to any and all unpaid taxes and assessments, and restrictions, easements and liens of record with priority over the Security Deed referenced above. A Consent Order Modifying Automatic Stay dated October 17, 2011 has been entered in the Frederick Merrill Brown, Jr. Chapter 7 Bankruptcy Case No.11-22899-reb, U.S. Bankruptcy Court, Northern District of Georgia, Gainesville Division. To the best of the undersigned's knowledge and belief, the property is in the possession of Frederick Merrill Brown, Jr. and will be sold as the property of Frederick Merrill Brown, Jr. The undersigned will execute a deed to the purchaser as authorized in the aforementioned Security Deed. Frederick Merrill Brown, Jr. By SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-Fact, Paul B. Smart, Hulsey, Oliver & Mahar, LLP

P. O. Box 1457, Gainesville, GA 30503, (770) 532-6312

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Charles W. Harden to Long Beach Mortgage Company dated January 13, 2006, and recorded in Deed Book N29, Page 636, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Trust 2006-2 by Assignment, securing a Note in the original principal amount of $125,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, December 6, 2011, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 21 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA IN THE CITY OF CLAYTON AND BEING LOT 43 AND LOT 44, BLOCK 5 OF CLAYTON TERRACE SUBDIVISION CONTAINING 0.32 ACRES AS MORE PARTICULARLY DESCRIBED UPON THAT CERTAIN PLAT OF SURVEY PREPARED BY WILLIAM F. ROLADER, GEORGIA REGISTERED LAND SURVEYOR NO. 2042, DATED JANUARY 10, 2005, WHICH IS RECORDED IN PLAT BOOK 53, PAGE 278, CLERK'S OFFICE, RABUN COUNTY SUPERIOR COURT. REFERENCE IS HAD AND MADE TO SAID PLAT OF SURVEY FOR A FULL AND COMPLETE DESCRIPTION OF THE PROPERTY HEREIN CONVEYED. REFERENCE IS ALSO HAD AND MADE TO A WARRANTY DEED DATED MAY 4, 1983 FROM M.H. DAVIS PROPERTIES, INC. TO JOSEPH HARDY, JR. AND OF RECORD IN DEED BOOK Q-8, PAGE 699, AFORESAID RECORDS. THE ABOVE DESCRIPTION TRACT OF LAND IS CONVEYED SUBJECT TO THOSE RESTRICTIVE COVENANTS AS SET FORTH IN SAID WARRANTY DEED AND THAT ARE COVENANTS RUNNING WITH THE LAND. Said property is known as 43 Clayton Terrace, Clayton, GA 30525, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorney's fees in accordance with the terms of the Note secured by said Deed. Said property will be sold as the property of Charles W. Harden, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Charles W. Harden, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney's fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law. Deutsche Bank National Trust Company, as Trustee for Long Beach Mortgage Loan Trust 2006-2 as Attorney-in-Fact for Charles W. Harden, File no. 09-019801, SHAPIRO & SWERTFEGER, LLP*, Attorneys and Counselors at Law, 2872 Woodcock Blvd., Duke Building, Suite 100, Atlanta, GA 30341-3941(770)220-2535/AS www.swertfeger.net. *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Mary Lou Buchanan to Mortgage Electronic Registration Systems, Inc. as nominee for Advanced Financial Services, Inc., its successors and assigns dated May 13, 2008 in the amount of $140,500.00, and recorded in Deed Book S33, Page 263, Rabun County, Georgia Records; as last transferred to GMAC Mortgage, LLC, successor by merger to GMAC Mortgage Corporation by assignment; the undersigned, GMAC Mortgage, LLC, successor by merger to GMAC Mortgage Corporation pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 190 of the Second Land District, Rabun County, Georgia, consisting of 2.28 acres and being Lot 2 as more particularly shown and described on a plat of survey dated December 16, 1989, prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837 and recorded in Plat Book 27, Page 225 of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein by reference. Also the right to use a Road Right-of-Way as described in an Easement dated 8/4/76 and recorded in Deed Book C-6, Page 112 of the Rabun County Deed records, said Easement being granted as a non-exclusive mutual use easement for the purpose of ingress and egress to the property herein described, Grantors reserve for themselves, their successors and assigns the right to utilize the easement to access other adjoining property as shown of said Plat, which has the property address of 894 Ledford Rd, Dillard, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Mary Lou Buchanan and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. GMAC Mortgage, LLC, successor by merger to GMAC Mortgage Corporation, Attorney in Fact for Mary Lou Buchanan, McCurdy & Candler, L.L.C. (404) 373-1612, www.mccurdycandler.com, File No. 09-16956 /FNMA/cyeats. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,14,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay to Red River Bank, dated October 27, 2000, recorded in Deed Book E-20, Page 426, Rabun County, Georgia Records, as last transferred to Standard Mortgage Corporation by assignment to be recorded in the Office of the Clerk of Superior Court of Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY THOUSAND AND 0/100 DOLLARS ($130,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Standard Mortgage Corporation, 701 Poydras Street Suite 300, New Orleans, LA 70139, 504-569-3921. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay or a tenant or tenants and said property is more commonly known as 5 Cedar Lane, Dillard, Georgia 30537. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Standard Mortgage Corporation as Attorney in Fact for Dan Ashford Lindsay, Jr. and Charlotte Anne Lindsay. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.forclosurehotline.net MR/ks9 12/6/11 Our file no. 51263211-FT17 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 169 of the Second Land District of Rabun County, Georgia, and being designated as Lot 8 Part 1 of Overlook Area, Sky Valley Subdivision containing 0.444 acre as shown on that certain plat of survey prepared by Edwin G. Davidson, Georgia Registered Land Surveyor No. 2586, dated October 24, 2000, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 45, Page 217. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. This conveyance is made subject to those certain restrictive covenants dated January 8, 1980 and recorded in Deed Book J-7, Pages 553-559 in the Office of the Clerk of Rabun Superior Court. MR/ks9 12/6/11 Our file no. 51263211 - FT17. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Jamison Ousley and Jennifer B. Carson, as Trustee of the Jennifer B. Carson Revocable Trust to Mortgage Electronic Registration Systems, Inc., dated July 23, 2007, recorded in Deed Book N32, Page 236, Rabun County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book E35, Page 336, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-SIX THOUSAND ONE HUNDRED TWENTY AND 0/100 DOLLARS ($186,120.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, N.A., 2270 Lakeside Blvd., Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Jamison Ousley and Jennifer B. Carson, as Trustee of the Jennifer B. Carson Revocable Trust or a tenant or tenants and said property is more commonly known as 274 Sunset Drive, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing, LP as Attorney in Fact for Jamison Ousley and Jennifer B. Carson, as Trustee of the Jennifer B. Carson Revocable Trust McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net, MR/krc1 12/6/11 Our file no. 51462209-FT10 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 86 of the Fifth Land District of Rabun County, Georgia, and being designated as Lot 5-D of Lake Burton Highlands, consisting of 1.07 acres as shown that certain plat of survey dated August 9, 2004, prepared by William F. Rolader, Georgia, Registered Land Surveyor No 2042, said plat being recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 53, Page 70. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed all of the easement rights acquired by Double "R" Enterprises, a partnership composed of John M. Ring And Christine B. Ring in an easement executed by Carole Ann Kann, dated December 21, 1994, and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book O-15, Pages 140-143. Said easement is incorporated herein by reference for a full and complete description of the easement rights herein conveyed. Said rights shall include the right of access, ingress and egress to and from the above-described lands as referred to in said easement. The above described lands are conveyed subject to the terms, conditions and obligations contained in an Easement Agreement, dated December 21, 1994, from Carole Ann Kann to Double "R" Enterprises, a partnership composed of John M. Ring and Christine B. Ring and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book O-15, Pages 140-143. Said easement is incorporated herein by reference for a full and complete description of the terms, conditions and obligations contained in such easement. The above described Lot 5-D is conveyed subject to the right of others to use any portion of the above described lands lying and being within the bounds of those roads and rights of way shown upon that plat of survey prepared by T. Lamar Edwards, dated revised October 15, 1987 and recorded in Plat Book 27, Page 33, aforementioned records. Furthermore, the property herein conveyed is subject to a perpetual non-exclusive easement for ingress and egress over and across that drive extending from the subdivision road across the eastern boundary of Lot 5-D to Lot 5-E as same is shown upon both of the above referenced plats of survey and described in that certain warranty deed from Double "R" Enterprises, a partnership composed of John M. Ring and Christine B. Ring to Peter D. Dunning and Sydney S. Dunning, recorded in Deed Book W-11, Page 110, aforementioned records. The above described Lot 5-D is conveyed subject to those "Restrictions for Sunset Cove" which are attached as Exhibit "A" to a deed recorded in the Office of the Clerk of Rabun Superior Court in Deed Book 0-15, Page 144. Said covenants shall constitute covenants running with the land and shall be binding upon the grantee, their heirs, successors, transferees and assigns. The above described Lot 5D is conveyed with and subject to any and all obligations, interest, easements and rights as described in that certain Joint Road and Well Use and Maintenance Agreement between Gaylynn Lakford and First Citizens Bank and Trust Company of South Carolina, as Trustee for the Wallace W. Brawley Revocable Trust dated January 31, 1985, dated October 31, 2003, and recorded in Deed Book K-25-, Pages 152-157, Clerk's Office, Rabun Superior Court. Commonly known as 274 Sunset Lane, Tiger, GA 30576 However, by showing this address no additional coverage is provided. MR/krc1 12/6/11 Our file no. 51462209 - FT10. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

GEORGIA, RABUN COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from Ian K. Perryman and Jennifer S. Perryman to Community Bank & Trust dated April 20, 2007, recorded among Rabun County, Georgia Records in Deed Book Y31, Page 369, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in December, 2011 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Ian K. Perryman and Jennifer S. Perryman the following described property: All that tract or parcel of land lying and being in Land Lot 2 of the 4th Land District, Rabun County, Georgia and being Tract 35 of Deerfield Subdivision containing 2.09 acres, more particularly described on a plat of survey dated April 15, 1994, revised April 7, 1995, revised July 24, 1995, prepared by T. Lamar Edwards, GRLS No. 1837 and recorded in Plat Book 37, page 116 of the Rabun County plat records. Said plat and the record of the same being incorporated herein by reference for a more full and complete description of the property described herein. The above described Tract 35 of Deerfield Subdivision borders Deerfield Drive, a public Road. The above-described property is conveyed subject to that certain Declaration of Restrictions for Deerfield Subdivision recorded in Deed Book B-15, page 245 of the Rabun County deed records. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of said indebtedness, among other possible events of default, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees (notice having been given as provided by law). The property will be sold subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. To the best of the undersigned's knowledge and belief, the parties in possession are Ian K. Perryman and Jennifer S. Perryman or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Ian K. Perryman and Jennifer S. Perryman. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. M. Keith York, Kimzey, Kimzey & York, P. O. Box 38, Cornelia, GA 30531 (706) 778-6823.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Deedee Bergbreiter to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $120,000.00 dated 01/11/2008, and recorded in Deed Book D33, page 28, Rabun County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by CitiMortgage, Inc., as Attorney-in-Fact for Deedee Bergbreiter the following described property: All that tract or parcel of land lying and being in Land Lot 36 of the Fifth Land District of Rabun County, Georgia and being designated as Lot 3B containing 1.00 acre, as more fully described upon that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated June 28, 2044, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 56, page 152. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the subject property, over and across that eight (8’) foot gravel drive as the same is shown upon the above-referenced plat of survey and over and across the other subdivision streets, which provide ingress and egress to and from the subject property from the public road system of Rabun County, Georgia. Conveyed subject to those certain Restrictive Covenants which are recorded in the Office of the Clerk of Rabun Superior Court in Deed Book Y-8, page 98 and that certain Roadway Easement dated June 1, 1983 recorded in Deed Book Y-8, Page 75, Rabun County Deed records. Property known as: 109 Wood Hen Way, Tiger, GA 30576. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc.,1000 Technology Drive O'Fallon, MO 63368, PHONE: 866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Deedee Bergbreiter. CitiMortgage, Inc., as Attorney-in-fact for Deedee Bergbreiter. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C., South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) www.penderlaw.com, Our File No. 11-11573.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Ian Keith Perryman and Jennifer Susan Perryman to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $204,000.00 dated 04/26/2004, and recorded in Deed Book E26, page 659, Rabun County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by CitiMortgage, Inc., as Attorney-in-Fact for Ian Keith Perryman and Jennifer Susan Perryman the following described property: All that tract or parcel of land lying and being in Land Lot 2 of the Fifth Land District of Rabun County, Georgia, and being more particularly described as follows, to wit: For a full and complete description of the real property being hereby described reference is hereby had and made to a plat of survey dated September 23, 1993, revised March 1, 1994 and prepared by T Lamar Edwards, Georgia Registered Land Surveyor No. 1837. The real property being hereby described is a 3.04 acre tract of land. Said plat is of record in Plat Book 33, Page 152 in the office of the clerk of the Rabun Superior Court. Reference is hereby had and made to said plat and the record thereof for the express purpose of incorporating herein its description of said 3.04 acre tract of land as depicted thereon. For a more full and complete description of the real property being hereby conveyed reference is also had and made to a plat of survey dated July 13, 1993 and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837. Said above described property is also designated as Lot 4 of Deerfield Subdivision containing 3.04 acres. Said property adjoins Deerfield, a public road. Said real property is hereby conveyed subject to a building restriction line (set back line) along all boundary lines as shown on said plat. As shown on said plat, the southernmost corner of said tract or parcel of land is traversed by a City of Clayton Water Line. Said tract or parcel of land is conveyed subject to the same. An easement for the installation of utilities fifteen (15) feet in width along all boundary lines is hereby reserved. The above conveyed tract or parcel of land is hereby conveyed subject to those certain restrictions of record in Deed Book X-14, pages 640-642, aforesaid records. Property known as: 193 Deerfield Dr, Clayton, GA 30525. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc., 1000 Technology Drive, O'Fallon, MO 63368, PHONE: 866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Ian Keith Perryman and Jennifer Susan Perryman. CitiMortgage, Inc., as Attorney-in-fact for Ian Keith Perryman and Jennifer Susan Perryman. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C., South Terraces, Suite 1000, 115 Perimeter Center Place , Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) 999-7088,

www.penderlaw.com, Our File No. 11-11406.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Bobby B Speed to Andrew Speed, Beulauh Love, and Calvin Speed in the original principal amount of $44,800.00 dated 3/12/1999, and recorded in Deed Book R-18, page 317, Rabun County records, said Security Deed being last transferred and assigned to CitiFinancial Mortgage Company, Inc. in Deed Book M-29, Page 445, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-Fact for Bobby B Speed the following described property:

All that tract or parcel of land lying and being in Land Lot 22 of the Second Land District, Rabun County, Georgia, and being shown as 0.88 acre, Lots 8, 9 & 10, Block 3, Earl Estates Subdivision in the City of Clayton, on plat of survey dated January 27, 1999, prepared by William F. Rolader, G.R.L.S. #2042, said plat recorded in Plat Book 41, Page 141, of the Rabun County Plat Records. Said plat and the record of the same being incorporated herein for a more full and complete description of the property herein conveyed. Property known as: 160 Cannon St, Clayton, GA 30525. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: CitiMortgage, Inc., 4050 Regent Blvd., Irving, TX 75063 PHONE:866-272-4749. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Bobby B Speed. CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-fact for Bobby B Speed. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C. South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346, Phone – (770) 392-0398, Toll Free – (866) 999-7088, www.penderlaw.com, Our File No. 11-09043.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER IN SECURITY

STATE OF GEORGIA,

COUNTY OF RABUN.

On May 11, 2006, Jeremy B. Stancil and Danielle M. Stancil executed a Deed to Secure Debt to Stephens Federal Bank securing a note of even date for Sixty Seven Thousand and No/100 Dollars ($67,000.00), said security deed being recorded in Deed Book B30, Pages 436-454, Rabun County Records. Said security deed conveyed the property hereinafter described. By virtue of the power of sale contained in said security deed to Stephens Federal Bank, there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Rabun County Courthouse door in Rabun County, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in December, the same being December 6, 2011, the following described property: All that tract or parcel of land, lying and being in the Land Lot 1 of the Fourth Land District of Rabun County, Georgia and being Unit Number 247-C of Merrydale Condominiums (the “property”), as more particularly described in that certain Declaration of Condominium for Merrydale Condominiums (the “declaration”), dated November 18, 2005 and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book O-29, Page 350-392, and as shown upon that certain As-Built Site Plan for Merrydale Condominiums (the “site Plan”), dated September 7, 2005, revised October 17, 2005, prepared by T. Lamar Edward, Georgia Registered Land Surveyor No. 1837, and recorded in the Office of the Clerk of Rabun Superior Court in Condominium Plat Book 2, Pages 235-238, and on certain architectural plans certified by Donald L. Nelson, Georgia Registered Architect, No. 2799, (the “plans”), filed in the Office of the Clerk of Rabun Superior Court in Condominium Plat Book 2, Pages 235-238 together with all rights, title and interest appurtenant to the property and the appurtenances thereto under the declaration, site plans and the plans which are incorporated herein and made a part thereof. There is also conveyed a 12% undivided interest in the “common elements” of Merrydale Condominiums as such term is defined in the declaration. There is also conveyed a perpetual non-exclusive easement for access, ingress and egress to and from the above described lands over and across Merrydale Lane as shown on the above referenced plat of survey. Said easement shall be an easement appurtenant to the above described property and said easement shall inure to the benefit of said Grantee(s), his, her, their, its heirs, successors, measures and assigns. This conveyance is made subject to the following: 1. All the provisions of the Declaration of Condominium for Merrydale Condominiums and all the privileges, restrictions, reservations, limitations, conditions, options, agreements, uses, easements, assessments and provisions set forth or incorporated by reference therein as now or hereafter amended, including without limitation the Articles of Incorporation and By-Laws of Merrydale Condominium Association, Inc., and those matters shown upon the above referenced plat of survey and the Plans all of which are made covenants running with the Property and binding on the Grantee(s) whose exceptance of this deed is evidence of the agreement of the Grantee(s) to observe and be bound thereby. 2. City, State and County ad valorem property taxes and assessments for the current calendar year. 3. Grantor(s) reserves for himself, herself, themselves, their heirs, successors, transferees and assigns, a perpetual non-exclusive easement to use, maintain and repair Merrydale Lane as the same crosses and traverses the above described property all as shown upon the above referenced plat of survey. 4. There is excepted all of the easement rights of others if any, to use Merrydale Lane for access, ingress and egress to and from adjacent lands. 5. Grantor(s) reserve for himself, herself, itself, themselves, their heirs, successors transferees and assigns, a perpetual non-exclusive easement over, through and across the above described property for the purpose of installing and maintaining underground utilities, including but not limited to electricity, water, sewer, cable television serving the above described property. The property herein conveyed is subject to those Georgia Power Easements recorded in Deed Book R-3, Page 289, Deed Book R-3, Page 290 and Deed Book R-12, Page 99, Clerk’s Office, Rabun Superior Court. The debt secured by said security deed and note has been and is hereby declared due and payable because of default for non‑payment as required by the note and security deed. The debt having been declared due and payable and remaining unpaid, and the terms in the note and security deed remaining in default, this sale will be made for the purpose of paying the principal, accrued interest and attorney’s fees pursuant to the note and security deed, plus all expenses of this sale. Said property will be sold as the property of Jeremy B. Stancil and Danielle M. Stancil and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale. To the best knowledge and belief of the undersigned, equitable title to said property is now held by Jeremy B. Stancil and Danielle M. Stancil. The entity with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor is Stephens Federal Bank, Phone Number 706-886-2111. The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to Stephens Federal Bank. Dated this 3rd day of November, 2011. Stephens Federal Bank, Attorney-in-fact for Janney E. Sanders, Jeremy B. Stancil and Danielle M. Stancil, P. O. Box 1005, Toccoa, GA 30577, 706/886-7533, Attorney for Stephens Federal Bank .

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Louis T Edwards to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated November 9, 2006 in the amount of $111,000.00, and recorded in Deed Book C31, Page 1, Rabun County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 22 of the Fifth Land District of Rabun County, Georgia and containing 0.57 acre and being depicted as Tract 2 upon that plat of survey dated July 2, 2002 and prepared by William F. Rolander, Georgia Registered Land Surveyor No. 2042, and recorded in Plat Book 48, Page 17, Clerk`s Office, Rabun Superior Court. Reference is hereby made to said plat of survey for the purpose of incorporating same herein for a full and complete description of the property conveyed herein. The property herein conveyed is subject to that easement to Georgia Power Company dated July, 2002 and recorded in Deed Book Y-22, Page 584, Clerk`s Office, Rabun County Superior Court. Further, the property conveyed herein is subject to those covenants and restrictions of even date herewith and recorded in Deed Book A-23, Page 529, Clerk`s Office, Rabun Superior Court and any and all amendments thereto of record. The property herein conveyed is subject to a non-exclusive perpetual twenty foot (20`) easement over and across the Northeasterly corner of the above-referenced Tract 2 for the purpose of ingress and egress to Tract 3 from that road now or formerly known as Woodall Road. Conveyed herewith is a non-exclusive perpetual twenty foot (20`) easement over and across adjacent property for the purposes of ingress and egress to Tract 1 conveyed herein from that public road now or formerly known as Woodall Road. Said easement being shown upon the above-referenced plat of survey, which has the property address of 42 Brandon Trail, Tiger, Georgia, together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Louis T Edwards and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. CitiMortgage, Inc., Attorney in Fact for Louis T Edwards, McCurdy & Candler, L.L.C., (404) 373-161, www.mccurdycandler.com. File No. 11-07756 /FHLMC/sstojanovic. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Christopher Connor to Mortgage Electronic Registration Systems, Inc. as nominee for Sidus Financial, LLC dated February 13, 2008 in the amount of $135,000.00, and recorded in Deed Book G33, Page 422, Rabun County, Georgia Records; as last transferred to Federal National Mortgage Association by assignment; the undersigned, Federal National Mortgage Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in Land Lot 1 of the Fourth Land District of Rabun County, Georgia and being TRACT 2 consisting of 0.64 acre as described upon a plat of survey Dated July 24, 2002 last revised March 9, 2006 prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, said plat being recorded in the office of the Clerk of Rabun Superior Court in Plat Cabinet 59-90. Said plat of survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed by the Grantor to the Grantee a perpetual, non-exclusive easement for access, ingress and egress over and across that certain gravel driveway twenty (20`) feet in width extending from the Southerly boundary line of Merrydale Road over the adjacent lands of Melvin H. Johnson to the Northeast corner of the above-described property. Said Easement shall be for the purpose of access, ingress and egress to and from the above-described lands and shall be an Easement appurtenant to said lands and said Easement shall inure to the benefit of the Grantee, the Grantee`s heirs, successors, transferees and assigns. The Grantor reserves for the Grantor, the Grantor`s heirs, successors, transferees and assigns a perpetual, nonexclusive easement to use, maintain and repair that portion of that above-described right-of-way twenty (20`) feet in width which crosses the Northeastern corner of TRACT 2. Said easement shall be an Easement appurtenant to the adjacent lands of Melvin H. Johnson and shall insure to the benefit of Melvin H. Johnson, his heirs, successors, transferees and assigns, which has the property address of 204 Merrydale Lane, Clayton, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Christopher P. O`Connor and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Federal National Mortgage Association, Attorney in Fact for Christopher Connor, McCurdy & Candler, L.L.C., (404) 373-1612

www.mccurdycandler.com, File No. 11-16790 /FNMA/lfairgood. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Helen Decker and Clarence Decker to Mortgage Electronic Registration Systems, Inc. as nominee for Quicken Loans, Inc., its successors and assigns. dated August 10, 2007 in the amount of $200,800.00, and recorded in Deed Book P32, Page 392, Rabun County, Georgia Records; as last transferred to Aurora Bank FSB by assignment; the undersigned, Aurora Bank FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in December, 2011 , during the legal hours of sale, at the Courthouse door in Rabun County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit: All that tract or parcel of land lying and being in land Lots 20 and 21 of the fifth Land District of Rabun County, Georgia, as shown on that certain Plat of Survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated February 5, 2004 and recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 51, Page 127. Reference is had and made to said plat and record of the same for a full and complete description to the property herein described, which has the property address of 201 Buckshot Ln, Tiger, Georgia., together with all fixtures and other personal property conveyed by said deed. The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Said property will be sold as the property of Helen Decker and Clarence Decker and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed. Aurora Bank FSB, Attorney in Fact for Helen Decker and Clarence Decker, McCurdy & Candler, L.L.C., (404) 373-1612 www.mccurdycandler.com, File No. 11-16871 /CONV/efisher. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from M, B, AND H, II, LLC to MOUNTAIN HERITAGE BANK dated January 31, 2008 and recorded in Deed Book F-33, Pages 29-32 of the Rabun County deed records given to secure a promissory note in the amount of Three HUNDRED TWENTY-FOUR THOUSAND AND 00/100 ($324,000.00) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: BUILDING, TRACT 1: All that tract or parcel of land lying and being in the City of Clayton, in Land Lot 21 of the Second Land District, of Rabun County, Georgia, being more particularly described as follows: BEGINNING at a point on the southwestern right of way of Savannah said point being located South 66 degrees 35 minuets 35 seconds East, 165.84 feet from the intersection of the centerline of Savannah Street and the centerline of Main Street being the TRUE POINT OF BEGINNING; from said TRUE POINT OF BEGINNING thence traveling along said Southeastern right of way of Savannah Street South 82 degrees 56 minutes 26 seconds East, 23.62 feet to a point located on said right of way; thence traveling along the property of Jim Bob, Inc. South 7 degrees 19 minuets 0 seconds West, 45.05 feet to a point; thence traveling along the property line of the property now or formerly owned by J.B. Parker, Sr., South 7 degrees 1 minute 26 seconds West, 55.10 feet to a point; thence traveling along the property line of the property now or formerly owned by Jack P. Green, Jr., North 82 degrees 50 minuets 10 seconds West, 33.14 feet; thence traveling along the property of the property now or formally owned by Carliss Ann Blake and partially along first floor dividing wall of the wall dividing the property described herein from said Blake property North 7 degrees 19 minuets 00 seconds East, 100.0 feet to a point located on the Southwestern right of way of Savannah Street, being the TRUE POINT OF BEGINNING, said property containing 0.07 acre of land as more particularly depicted upon that certain plat of survey for Lassiter-Clayton, LLC, prepared by Appalachian Surveying Company, Inc., dated May 10, 2001 most recently revised May 24, 2001, bearing the seal of William F. Rolader, Georgia Registered Land Surveyor No. 2042, and being recorded in Plat Book 57, Page 97, Clerk’s office, Rabun Superior Court said survey incorporated herein and made a part hereof by reference.

Together with the right in common with C & S Properties, LLLP, its successors and/or assigns, to the porch at the rear portion of the Davis-Roane Building(formerly Cannon-Roane Building), which is located on the property of C & S Properties, LLLP, adjacent to and West of the Fee Parcel. HALLWAY, TRACT 2: All of the airspace and above a horizontal plane at an elevation of 1,934.49 feet above the U.S.C. and G.S. 1929 adjusted mean sea level lying within the boundary of the following described property:

All that tract or parcel of land lying and being in the City of Clayton, in Land Lot 21 of the Second Land District of Rabun County, Georgia, being more particularly described as follows: COMMENCING at a point on the southwestern right of way of Savannah Street said point being located South 66 degrees 35 minutes 35 seconds East, 165.84 feet from the intersection of the centerline of Savannah Street and the centerline of Main Street; from said POINT OF COMMENCEMENT; thence traveling along said Southeastern right of way of Savannah Street South 82 degrees 56 minuets 26 seconds East, 23.62 feet to a point located on said right of way; thence traveling along the property of Jim Bob, Inc. South 7 degrees 1 minute 26 seconds West, 45.05 feet to a point; thence continuing along the property line of Jim Bob, Inc., South 83 degrees 27 minutes 28 seconds East, 9.24 feet to a point; thence traveling along the property line of the property now or formerly owned by J. B. Parker, Sr., South 7 degrees 1 minuet 26 seconds West, 55.10 feet to a point thence traveling along the property line of the property now or formerly owned by Jack P. Green, Jr., North 82 degrees 50 minuets 1- seconds West. 33.14 feet; thence traveling along the property line of the property now or formerly owned by Carliss Ann Blake North 7 degrees 19 minuets 00 seconds, 19.74 feet to the TRUE POINT OF BEGINNING; from said TRUE POINT OF BEGINNING, thence traveling North 82 degrees 56 minuets 26 seconds East, 2.63 feet to a point; thence traveling North 7 degrees 19 minuets 00 seconds East, 72.60 feet to a point; thence traveling South 82 degrees 56 minuets 26 seconds East, 2.63 feet to a point thence traveling South 7 degrees 19 minuets 00 seconds West, 72.60 feet to the TRUE POINT OF BEGINNING, said property containing 190.94 square feet as more particularly depicted upon that certain plat of survey for Lassiter-Clayton, LLC, prepared by Appalachian Surveying Company, Inc., dated May 10, 2001 most recently revised June 5, 2001, bearing the seal of William F. Rolader, Georgia Registered Land Surveyor No. 2042, and being recorded in Plat Book 57, Page 97, Clerk’s office, Rabun Superior Court said survey incorporated herein and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of M, B, and H, II, LLC subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned M, B, and H, II, LLC is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: M, B, and H, II, LLC by certified mail, return receipt requested to its certified agent, Sonny Hardman aka William J. Hardman, III, on November 3, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for M, B, and H, II, LLC By William J. Hardman, III Managing Member, Bruce Russell, Jr. Esq., RUSSELL & RUSSELL, PC. P.O. BOX 1202, CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from M, B AND H, II, LLC to MOUNTAIN HERITAGE BANK dated June 1, 2007 and recorded in Deed Book C-32, Pages 483-485 of the Rabun County deed records given to secure a promissory note in the amount of ONE HUNDRED FIFTY THOUSAND AND 00/100 ($150,000.00) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 21 of the Second Land District of Rabun County, Georgia, and being 0.05 acre as shown upon a plat of survey dated December 20, 1993, prepared by T. Lamar Edwards, Georgia registered Land Surveyor No. 1837, said survey being recorded in the office of the Clerk of Rabun County Superior Court in Plat Book 34, page 163. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described. There is excepted from the above-described tract those tracts or parcels of land lying and being in Land Lot 21 of the Second Land District of Rabun County, Georgia and being described in the certain warranty deed from C & S properties, LLLP to Lassister-Clayton, LLC, dated June 1, 2001, which is recorded in the office of the Clerk of Superior Court in Deed Book Y-20, Page 169 and in that certain quitclaim deed from C & S Properties, LLLP to Lassiter-Clayton, LLC, dated June 1, 2001, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book Y-20, Page 172. Also conveyed herewith is the right to use the joint amenities associated with said building being a common hallway, the common stairwell to access the upper portion of the building to Savannah Street and the rear porch area adjacent to the common use hallway. Grantee, by acceptance and recording of this deed accepts the property subject to the mutual and joint use rights of the owner of the east half of the building as depicted on said plat. Also conveyed is the permit to construct a walkway in the Clayton City Park as set out in an agreement dated November 11, 1994 and attached to a warranty deed from Carliss N. Blake to Tammy Garland Luke dated July 23, 1997 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book E-17, Page 682. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property M, B and H, II, LLC subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned M, B and H, II, LLC is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: M, B and H, II, LLC by certified mail, return receipt requested to its certified agent, Sonny Hardman aka William J. Hardman, III, on November 2, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for M, B and H, II, LLC By William J. Hardman, III Managing Member, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC. P.O. BOX 1202,CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from DCA, LLC to MOUNTAIN HERITAGE BANK dated MARCH 30, 2005 and recorded in Deed Book X-27, pages 544-548 of the Rabun County deed records given to secure a promissory note dated January 19, 2011 in the principal amount of TWO HUNDRED EIGHTY SIX THOUSAND FOUR HUNDRED TWENTY FIVE AND 94/100 ($286,425.94) DOLLARS, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 144 and Land Lot 145 of the Second Land District of Rabun County and being more particularly described as Lot 22, Phase I of The Ridges of Rabun, containing 1.871 acres, as depicted on the plat of survey dated October 5, 2004, and prepared by Edwin G. Davidson, Georgia Registered Land Surveyor No. 2586. Said plat is of record in Plat Book 53, pages 161-165, in the Office of the Clerk of the Rabun Superior Court. Reference is had and made to said plat and the record thereof for a full and complete description of Lot 22 as depicted thereon. Also conveyed is a prepared, non-exclusive road right of way easement over across the roadways depicted on the above described plats for the purpose of providing ingress to and egress from said tract or parcel of land with the public road system of Rabun County, Georgia. Said tract or parcel of land is hereby conveyed subject to the rights of others to use said roadways. The above described tract or parcel of land is conveyed subject to those Declaration of Covenants, Conditions and Restrictions for The Ridges of Rabun of record in Deed Book G-27, pages 584-617, aforesaid records. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees. The said property will be sold as the property of DCA, LLC aka DCA Holdings, LLC subject to any outstanding ad valorem taxes and assessments and to the best knowledge and belief of the undersigned DCA, LLC aka DCA Holdings, LLC is in possession of said property. A copy of this notice was mailed to the debtor by and thru its registered agent to-wit: Chern G, Hawwang. A copy of this notice was mailed to the debtor by and thru its manager to-wit: Nicholas Strates by certified mail, return receipt requested on November 5, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for DCA, LLC By Nicholas J Strates Managing Member,Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC.,P.O. BOX 1202 CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from KEVIN W. BLALOCK to MOUNTAIN HERITAGE BANK dated October 8, 2009 and recorded in Deed Book M-35, pages 8-10 of the Rabun County deed records given to secure a promissory note in the amount of Eighty-Three Thousand Six hundred Sixty and 00/100 Dollars ($83,660.00), there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All those tracts or parcels of land lying and being in Land Lot 27 and 33 of the Fifth Land District of Rabun County, Georgia and being designated as Tract 3-3 containing 1.50 acres and Tract 3-4 containing 1.50 acres as more fully described on that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated August 14, 2006, last revised April 20, 2007, which is recorded in the office of the Clerk of Rabun County Superior Court in Plat Book 60, page 142. Reference had and made to said plat and record of the same for a full and complete description of the property herein described. There is also conveyed herewith a perpetual non-exclusive easement for ingress and egress to and from the above described property from the public road system of Rabun County, Georgia over and across that certain 20 foot right of way as shown on the above referenced plat of survey. There is also conveyed all of the easement rights for access, ingress and egress contained in a Joint Driveway agreement dated February 18, 1998, and recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-17, pages 606-607. This conveyance is made subject to the easement rights, terms and obligations contained in a Joint Driveway Easement Agreement dated February 18, 1988, and recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-17, pages 606-607. This Conveyance is made subject to those certain restrictive covenants which are recorded in the office of the Clerk of Rabun Superior Court in Deed Book Y-32, page 193. The Grantors reserve for themselves, their heirs, successors and assigns a perpetual non-exclusive easement for ingress and egress to and from Tract 5 over and across that certain 20 foot right of way as the same are shown on the above referenced plat of survey. This conveyance is made subject to the rights of others to use that certain 20 foot right of way as the same is shown upon the above referenced plat of survey. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of Kevin W. Blalock subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned Kevin W Blalock is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: Kevin W. Blalock by certified mail, return receipt requested on November 3, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for Kevin W. Blalock, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525 (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from MARY ANN HARDMAN to MOUNTAIN HERITAGE BANK dated August 1, 2008 and recorded in Deed Book Z-33, pages 315-317 of the Rabun County deed records given to secure a promissory note in the amount of One hundred sixty thousand and 00/100 dollars($160,000.00) there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 41 of the First Land District of Rabun County, Georgia, consisting of 0.63 acre as more fully described on that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Survey No. 1837, dated July 21, 2008, which is recorded in the office of the Clerk of Rabun County Superior Court in Plat Book 59-290. Reference had and made to said plat and record of the same for a full and complete description of the property herein described. Also conveyed herewith a perpetual non exclusive easement for ingress and egress to and from the above described property over and across Dolly Dixon Road to it’s intersection with Blue Ridge Gap Road. The debt of Mary Ann Hardman and William J Hardman, III secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of Mary Ann Hardman subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) any unpaid water or sewage bills, that constitute liens against the property; (6) matters of record superior to the security deed first set out above; and (7) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned Mary Ann Hardman is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtors to-wit: Mary Ann Hardman and William J Hardman, III by certified mail, return receipt requested on October 17, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank as Attorney in Fact for Mary Ann Hardman, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202 CLAYTON, GA 30525, 706/782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

GEORGIA

RABUN COUNTY

NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from RANDY JONES AND JOHN D. RUSSELL, QUALIFIED INTERMEDIARY FOR RANDY JONES to MOUNTAIN HERITAGE BANK dated August 1, 2006 and recorded in Deed Book N-30, Pages 670-672 of the Rabun County deed records given to secure a promissory note in the amount of eight hundred twenty-five thousand and no/100 ($825,000.00) Dollars, there will be sold at public outcry to the highest and best bidder for cash before the Courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, to-wit: December 6, 2011, the following described property: All That tract or parcel of land lying and being in Land Lots 94 and 95 of the 5th Land District, Rabun County, Georgia and being Tract 1A consisting of 1.15 acres as more fully described on a plat of survey prepared by T. Lamar Edwards, GRLS No. 1837, last revised December 11, 2000 and recorded in Plat Book 50, page 66 of the Rabun Co. plat records. Said plat and the record thereof being incorporated herein by reference for a more full and complete description of the property described herein. This conveyance is made subject to that certain 20’ easement as described in that certain consent order which is recorded in Deed Book S-20, page 136 and that certain easement to Charles Barnett Kennedy recorded in Deed Book G-21, page 541, all of the Rabun Co. deed records. The above described property is conveyed subject to that easement shown on plat in property description and easement shown on plat of survey referenced above showing access to Tracts 2 & 5 also shown on referenced plat. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of said debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorneys’ fees, notice having been given as provided by law. The said property will be sold as the property of Randy Jones subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) any outstanding ad valorem taxes and assessments; (5) The Helping Families Save Their Homes Act of 2009 (Public Law 111-22). To the best knowledge and belief of the undersigned Randy Jones is in possession of said property. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final confirmation and audit of the status of the loan with the holder of the security deed. A copy of this notice was mailed to the debtor to-wit: Randy Jones by certified mail, return receipt requested, on November 4, 2011 in compliance with O.C.G.A. § 44-14-162.2. First American Bank & Trust as successor in interest to Mountain Heritage Bank As Attorney in Fact for RANDY JONES, Bruce Russell, Jr., Esq., RUSSELL & RUSSELL, PC., P.O. BOX 1202, CLAYTON, GA 30525, (706) 782-6240. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

By virtue of the power of sale contained in a Deed to Secure Debt by Zakaria Adhihusada to Bank of America, N.A., dated March 10, 2006 and filed for record March 20, 2006 in Deed Book T29, Page 424, Rabun County, Georgia records, and securing a Note in the original principal amount of $72,000.00, there will be sold at a public outcry for cash to the highest bidder before the Courthouse door of Rabun County, Georgia, between the legal hours of sale on the first Tuesday in December, 2011, by Bank of America, N.A. as Attorney-in-Fact for Zakaria Adhihusada the following property to-wit: ALL THAT TRACT or parcel of land lying and being in Land Lot 24 and 25 of the 4th Land District of Rabun County, Georgia, and being all of Lot No. 105, Block FF, Unit 1 of Kingwood Estates and consisting of 0.35 acre, more or less, as shown on that plat of survey prepared by Leonidas Burton Sears, Georgia Registered Land Surveyor No. 2628, dated March 30, 2000, and recorded in Plat Book 45, Pages 18-23, located in the Clerk's Office, Rabun County Superior Court and reference to said plat being for the express purpose of incorporating its description herein. Conveyed herewith is a perpetual non-exclusive easement for access, ingress and egress over and across the subdivision roads to and from the above-referenced tract of land to the public road system. The property herein certified is subject to a twenty foot (20') easement, which is reserved centered about all property lines for future sewer, storm drainage, utility and/or cart path use, maintenance and repair. This property is subject to the covenants and restrictions for Kingwood Subdivision recorded in the Clerk's Office, Rabun Superior Court in Deed Book E-18, Pages 98-107, Deed Book A-7, Pages 487-505, Deed Book L-18, Pages 98-148 and Deed Book O-27, Page 359, and all modifications and amendments of record thereto. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purpose of paying the same and all expenses of sale, including attorney's fees, if applicable. The property will be sold as the property of the aforesaid grantor subject to the following: all prior restrictive covenants, easements, rights-of-way, security deeds, or encumbrances of record; all valid zoning ordinances; matters which would be disclosed by an accurate survey of the property or by any inspection of the property; all outstanding taxes, assessments, unpaid bills, charges, and expenses that are a lien against the property whether due and payable or not yet due and payable. To the best of the undersigned's knowledge and belief, possession of the subject property is held by Zakaria Adhihusada . Pursuant to O.C.G.A. § 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend or modify all terms of the above described mortgage is as follows: Bank of America, N.A., successor by reason of merger with BAC Home Loans Servicing, L.P., Attn: Loss Mitigation Dept., P. O. Box 5170, MS SV314B, Simi Valley, CA 93065, Telephone: 1-800-669-6650. The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require Bank of America, N.A. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. Bank of America, N.A. as Attorney-in-Fact for Zakaria Adhihusada. SHUPING, MORSE & ROSS, LLP, By: S. Andrew Shuping, Jr. S. Andrew Shuping, Jr., 6259 Riverdale Road, Suite 100, Riverdale, Georgia 30274-1698, (770) 991-0000. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Kim Clark and Chad D. Clark to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $135,000.00 dated 12/22/2006, and recorded in Deed Book J31, page 75, Rabun County records, said Security Deed being last transferred and assigned to GMAC Mortgage, LLC in Deed Book Z36, Page 636, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of December, 2011 by GMAC Mortgage, LLC, as Attorney-in-Fact for Kim Clark and Chad D. Clark the following described property: All that parcel of land in Rabun County, State of Georgia, as more fully described in Deed Book 924, page 502 ID #002990, being known and designated as follows: Lying and being in Land Lot 176 of the 2nd Land District, Rabun County, Georgia, being 1.57 acres as shown on a plat of survey recorded in Plat Book 23, Page 121. Property known as: 800 Bettys Creek Rd, Dillard, GA 30537. The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney's fees, (notice having been given as provided by law). The property will be sold as the property of The Aforesaid Grantors subject to the following: (1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above. Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is: GMAC Mortgage, LLC, Two Ravinia Dr, Suite 500 Atlanta, GA 30346, PHONE: 800-850-4622. Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Kim Clark and Chad D. Clark. GMAC Mortgage, LLC, as Attorney-in-fact for Kim Clark and Chad D. Clark. This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose. Pendergast & Associates, P.C. South Terraces, Suite 1000, 115 Perimeter Center Place, Atlanta, GA 30346 Phone – (770) 392-0398, Toll Free – (866) 999-7088, www.penderlaw.com. Our File No. 11-11068

11-10,17,24,12-1

NOTICE

This advisory is issued to inform the public of the submittal of an application for a variance to build a seawall along approximately 200 linear feet of Lake Burton.  Project is located at Lake Burton, Lot 1078, 1678 Murray Cove Rd. The public can review site plans at the Georgia Department of Natural Resources, 4220 International Parkway, Suite 101, Atlanta, Ga. 30354. Written comments related to air, water, and land protection should be submitted within 30 days to: Program Manager, NonPoint Source Program, Erosion and Sedimentation Control, 4220 International Parkway, Suite 101,

Atlanta, GA 30354.

11-10 

NOTICE OF SALE UNDER POWER IN SECURITY DEED

GEORGIA, Rabun COUNTY Our File No. 11-573

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by GARY ASHE and MARIE ASHE to RABUN COUNTY BANK dated June 20, 2002 and recorded in Deed Book Q-22, Pages 581-583, Rabun County, Georgia Records, Conveying the after described property to secure a note dated December 11, 2008 in the original principal amount of EIGHTY FIVE THOUSAND SIX HUNDRED FIFTY FIVE AND 50/100 DOLLARS ($85,655.50), with interest thereon as set forth therein, there will be sold by the undersigned at public outcry to the highest bidder, for cash, before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, the same being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 26 of the First Land District of Rabun County, Georgia and being TRACT ONE, consisting of 2.00 acres as described upon a plat of survey dated April 23, 2002, prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, said survey being recorded in the office of the Clerk of Rabun Superior Court in Plat Book 43, page 268. Said survey is Incorporated herein by reference for a full and complete description of the above-described lands. The above-described lands are a portion of the lands conveyed to Steve J. Bradshaw by a Warranty Deed dated December 7, 1999 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book I-19, page 229. There is excepted from this conveyance the perpetual, non-exclusive easement rights conveyed to Farrell E. Henslee and Kendra L. Henslee by Warranty Deed recorded in the office of the Clerk of Rabun Superior Court in Deed Book I-20, page 188, said easement rights being for access, ingress and egress to and from adjacent lands over and across a driveway ten (10) feet in width as shown upon the above-referenced plat of survey. The Grantor reserves for himself. his heirs, successors, and or assigns a perpetual, non-exclusive easement over and across that ten (10) foot wide dirt road extending from Plum Orchard Road across the Northerly portion of the above-described property and described upon the above-referenced plat of survey. Said easement shall be for the purposes of access, ingress and egress to and from TRACT TWO shown upon the above-referenced plat of survey. This conveyance is made subject to the terms, conditions, easement rights and obligations contained in a Joint Well Agreement for use and maintenance executed by Farrell B. Henslee, Kendra L. Henslee and Steve J. Bradshaw dated February 23, 2001 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book T-20, page 647 and said easement is incorporated herein by reference for a full and complete description of the terms, conditions, easements, and obligations contained therein. The Grantor reserves a perpetual, non-exclusive easement right to use maintain and repair the existing well located on TRACT ONE for the purposes of providing water to TRACT TWO described in Plat Book 43, page 268 Rabun County, Georgia records. The Grantor also reserves the right to install, maintain and repair water lines and electrical lines on TRACT ONE extending to TRACT TWO. Said easement rights shall be an easement appurtenant to TRACT TWO and shall inure to the benefit of the Grantor his heirs, successors, transferees and assigns. Said well shall be maintained in accordance with the terms and conditions of a Joint Well Agreement recorded in Deed Book T-20, page 647 Rabun County, Georgia records and the Grantor and/or owner of TRACT TWO agrees to be bound by the terms, conditions and obligations of said Joint Well Agreement. The debt secured by said deed to secure debt has been and is hereby declared due because of, among other possible events of default, the failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which may be disclosed by a current accurate survey and inspection of the property, any easements, assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The entity that has full authority to negotiate, amend and modify all terms of the Deed to Secure Debt with the Debtor is: RABUN COUNTY BANK located at 121 Rickman Street, Clayton, Georgia 30525, 706-782-4571. The secured Creditor is not required by law to negotiate, amend or modify the terms of the Deed to Secure Debt. To the best knowledge and belief of the undersigned the party in possession of the property is Gary Ashe and Marie Ashe and/or any tenant or tenants in possession and said property is located at 30 Jefferson Lane, Clayton, Georgia 30525 and is designated as being Rabun County Tax Parcel #013-028G . The sale will be conducted subject to: (1.) confirmation that the sale is not prohibited under the U. S. Bankruptcy Code; and (2.) final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. This 4th day of November, 2011. RABUN COUNTY BANK, as Attorney in Fact for Gary Ashe and Marie Ashe under Power of Sale contained in Security Deed recorded in Deed Book Q-22, page(s) 581-583, Rabun County, Georgia Records. ALBERT O. ENGLISH, LLC Attorney for RABUN COUNTY BANK ,17 Chechero Street, Clayton, GA 30525, (706) 782-4285 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10, 17, 24, 12-1

NOTICE OF SALE UNDER POWER IN SECURITY DEED

GEORGIA, Rabun COUNTY Our File No. 10-455

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by JOHN A. SANDERS and JILL O. SANDERS to RABUN COUNTY BANK dated June 1, 2005 and recorded in Deed Book F-28, Pages 616-630, Rabun County, Georgia Records, conveying the after described property to secure a note dated June 1, 2005 in the original principal amount of TWO HUNDRED TWENTY FIVE THOUSAND AND NO/100 DOLLARS ($225,000.00), with interest thereon as set forth therein, there will be sold by the undersigned at public outcry to the highest bidder, for cash, before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, the same being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 103 of the Fifth Land District of Rabun County, Georgia and being LOT 4, as shown on a plat of prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, recorded in Plat Book 53, page 204, Rabun County, Georgia records, to which plat reference is made for a more detailed description. Additionally, Grantor assigns and conveys to Grantee any rights, title, interest or other use privileges in and to that certain Dock/Boat Slip that Grantor has or may by virtue of Grantor’s membership in the Burton Point II Homeowner’s Association, Inc. and/or the Burton Point Association, Inc., or otherwise. The debt secured by said deed to secure debt has been and is hereby declared due because of, among other possible events of default, the failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which may be disclosed by a current accurate survey and inspection of the property, any easements, assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The entity that has full authority to negotiate, amend and modify all terms of the Deed to Secure Debt with the Debtor is: RABUN COUNTY BANK located at 121 Rickman Street, Clayton, Georgia 30525, 706-782-4571. The secured Creditor is not required by law to negotiate, amend or modify the terms of the Deed to Secure Debt. To the best knowledge and belief of the undersigned the party in possession of the property is John A. Sanders and Jill O. Sanders and/or any tenant or tenants in possession and said property is located at Lot 4, Burton Point II, Blalock-Goldmine Road, Clayton, Georgia 30525 and is designated as being Rabun County Tax Parcel #008-054 . The sale will be conducted subject to: (1.) confirmation that the sale is not prohibited under the U. S. Bankruptcy Code; and (2.) final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. This 4th day of November, 2011. RABUN COUNTY BANK, as AttorneyinFact for John A. Sanders and Jill O. Sanders under Power of Sale contained in Security Deed recorded in Deed Book F-28, page(s) 616-630, Rabun County, Georgia Records ALBERT O. ENGLISH, LLC, Attorney for RABUN COUNTY BANK, 17 Chechero Street, Clayton, GA 30525, (706) 782-4285 THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER IN SECURITY DEED

GEORGIA, Rabun COUNTY Our File No. 09-497

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by Marc Allan Connelly to RABUN COUNTY BANK dated August 29, 2006 and recorded in Deed Book S-30, Page 19 and S-31, Pages 225-238, Rabun County, Georgia Records, conveying the after described property to secure a note dated October 16, 2009 in the original principal amount of TWO HUNDRED FORTY-SEVEN THOUSAND EIGHT HUNDRED NINETY-THREE AND 89/100 DOLLARS ($247,893.89), with interest thereon as set forth therein, there will be sold by the undersigned at public outcry to the highest bidder, for cash, before the courthouse door of Rabun County, Georgia, within the legal hours of sale on the first Tuesday in December, 2011, the same being December 6, 2011, the following described property: All that tract or parcel of land lying and being in Land Lot 6 of the First Land District of Rabun County, Georgia and Lot 12, Block L, Unit1, containing 0.22 acres of Waterfall at Lake Burton, as more particularly described upon that certain plat of survey dated February 23, 2005, last revised March 11, 2005 and prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, and recorded in Plat Book 54, Page 57, Clerk’s office, Rabun Superior Court. Reference is hereby had and made to said plat of survey for the purpose of Incorporating same herein for a full and complete description of the property herein conveyed. The aforementioned tract or parcel is subject to the Declaration of Covenants and Restrictions for Waterfall at Lake Burton dated April 16, 1999 and recorded in Deed Book S-18, Pages 309-342, Clerk’s office, Rabun Superior Court as amended by First Amendment thereto dated June 15, 1999, recorded at Deed Book X-18, Page 442, of said records, and any and all amendments or modifications thereto of record. The Property herein conveyed is subject to that certain Supplemental Declaration of Covenants, Conditions and Restrictions for Waterfall at Lake Burton, Unit 2, Phase 1 by Lake Burton Development, dated August 30, 2000, recorded September 30, 2000, recorded in Deed Book B-20, Page 27, aforesaid Records; but omitting any restriction based on race, color, religion, sex, handicap, familiar status, or national origin unless and only to the extent that said covenant (a) is exempt under Chapter 42, Section 3607 of the United States Code or (b) relates to handicap but does not discriminate against handicapped persons. Further, the above-described Lot 12 is subject to that certain Declaration of Easement, Covenants, Conditions and Restrictions of Record by Lake Burton Development, LLC, dated January 29, 2001, recorded February 5, 2001, recorded in Deed Book L-20, Page 372, aforesaid Records. Also, the property herein conveyed is subject to the following: That certain Easement from William B. Johnson to Habersham Electric Membership Corporation, dated February 3, 1994, recorded February 15, 1994, recorded in Deed Book V-14, Page 437, Clerk’s office, Rabun Superior Court; and That certain Easement from Parker, Griffin, Martin Land, Inc. to Habersham Electric Membership Corporation, dated November 30, 1988, recorded June 7, 1989, recorded in Deed Book Y-11, Page 570, aforesaid Records; and

That certain Golf Easement Agreement by and between Georgia Power Company, a Georgia corporation and Lake Burton Development, dated as of January 8, 1998, recorded January 21, 1998, recorded in Deed Book P-17, Page 70, aforesaid Records; and That certain Easement Agreement from Lake Burton Development, LLC to Georgia Power Company, dated as of January 9, 1998, recorded in Deed Book P-17, Page 85, aforesaid Records; and The ten (10) foot easement around all property lines for future utilities and drainage; and That ten (10) foot landscape and pedestrian easement as shown upon the above-referenced plat of survey; and Those certain reservations, covenants, agreements and easements as contained in that certain Limited Warranty Deed from Georgia Power Company to Lake Burton Development, LLC dated as of January 9, 1998, recorded January 21, 1998, recorded in Deed Book P-17, Page 34, aforesaid Records; and That certain Trust Indenture (water treatment facilities) by and between Parker, Griffin & Martin Land, Inc. and Burton Mountain Property Owners Association, Inc., Trustee, dated May 5, 1989, recorded in Deed Book Y-11, Page 637, aforesaid Records; as amended by that certain Quitclaim Deed from Parker, Griffin & Martin Land, Inc. to Lake Burton Development, LLC, dated as of January 8, 1998, recorded January 21, 1998, recorded in Deed Book P-17,Page 32, aforesaid Records; and That certain Trust Indenture (water treatment plant/sewage system) by and between City of Clayton and Waterfall Property Owners Association, Inc., Trustee, dated November 9, 1999, recorded in Deed Book R-20, Page 462, aforesaid Records; and

That certain Trust Indenture (septic tank/drain field facilities) by and between Lake Burton Development, LLC and Waterfall Property Owners Association, Inc., Trustee, dated April 10, 2001, recorded April 18, 2001, recorded in Deed Book S-20, Page 565, aforesaid Records; and The property herein conveyed is subject to those setback lines and easement reservations as same are shown upon that plat of survey recorded in Plat Book 54, Page 57, Clerk’s office, Rabun Superior Court. Conveyed herewith is a non-exclusive perpetual easement for ingress and egress from the public road system over and across the subdivision roads of Waterfall at Lake Burton to the above-described Lot 12. The debt secured by said deed to secure debt has been and is hereby declared due because of, among other possible events of default, the failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which may be disclosed by a current accurate survey and inspection of the property, any easements, assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The entity that has full authority to negotiate, amend and modify all terms of the Deed to Secure Debt with the Debtor is: RABUN COUNTY BANK located at 121 Rickman Street, Clayton, Georgia 30525, 706-782-4571. The secured Creditor is not required by law to negotiate, amend or modify the terms of the Deed to Secure Debt. To the best knowledge and belief of the undersigned the party in possession of the property is Marc Allan Connelly and/or Maureen Caroline Connelly and/or any tenant or tenants in possession and said property is located at Lot 12, Block L, Unit 1 of Waterfall at Lake Burton Subdivision, Clayton, Georgia 30525 and is designated as being Rabun County Tax Parcel #014C612 . The sale will be conducted subject to: (1.) confirmation that the sale is not prohibited under the U. S. Bankruptcy Code; and (2.) final confirmation and audit of the status of the loan with the holder of the Deed to Secure Debt. This 4th day of November, 2011. RABUN COUNTY BANK, as AttorneyinFact for Marc Allan Connelly under Power of Sale contained in Security Deed recorded in Deed Book S-31, page(s) 225-238, Rabun County, Georgia Records. ALBERT O. ENGLISH, LLC Attorney for RABUN COUNTY BANK, 17 Chechero Street, Clayton, GA 30525, (706) 782-4285 .THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF ROBERT H. LARSEN FOR DISCHARGE AS EXECUTOR OF THE ESTATE OF ANNE B. LARSEN, DECEASED.

TO: All and singular the heirs of said decedent, the beneficiaries under the will, and to whom it may concern: This is to notify you to file objection if there is any to the above referenced petition, in this Court on or before November 21, 2011. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the ground of any such objections. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Lillian W. Garrett, Probate Judge, By: Linda Ramey, Probate Clerk/Deputy Clerk, Address: 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614.

11-10

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF RABUN

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by ERIC W. VANTRUMP and JOANNA U. VANTRUMP to GREENSTONE FARM CREDIT SERVICES, FLCA dated December 14, 2007 and filed and recorded January 10, 2008, in Deed Book C33, Pages 584-590, and re-recorded November 20, 2008 in Book I34, Pages 547-553, Rabun County, Georgia, Superior Court Clerk’s Office Deed records conveying the after described property to secure a note with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the Courthouse door in Rabun County, Georgia, within the legal hours of sale upon the first Tuesday in December, 2011 (December 6, 2011) and continuing from day to day until sold, the following described property, to-wit: Land situated in the County of Rabun, State of Georgia, and is described as follows: All that tract or parcel of land lying and being in Land Lot 24 of the Fourth Land District of Rabun County, Georgia, and being designated as Lot 25 of Timbers of Kingwood Estates, containing 0.56 acre, more or less, as shown on that certain plat of survey prepared by Wayne A. Powers, Georgia Registered Land Surveyor No. 2891, dated December 28, 2005, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 56, Pages 169-171. Said plat and the record thereof are hereby incorporated herein and made a part hereof by reference. Tax Map Number 52B-425, Including any and all structures or improvements thereon. The debt secured by said Deed to Secure Debt is evidenced by a Promissory Note/Loan Agreement dated December 14, 2007, in the original principal amount of Forty Eight Thousand Four Hundred Fifty Dollars and No Cents ($48,450.00) executed by ERIC W. VANTRUMP and JOANNA U. VANTRUMP in favor of GREENSTONE FARM CREDIT SERVICES, FCLA. The debt secured by the Deed to Secure Debt and evidenced by the Promissory Note/Loan Agreement is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Promissory Note/Loan Agreement and Deed to Secure Debt. The debt remains in default and this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The property will be sold as the property of ERIC W. VANTRUMP and JOANNA U. VANTRUMP. To the best of knowledge and belief of the undersigned, the party (or parties) in possession of the subject property known as Lot 25 Timbers at Kingwood Estates in Clayton, Rabun County, Georgia 30525 are ERIC W. VANTRUMP and JOANNA U. VANTRUMP, and or their tenant, or present occupant. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; (2) O.C.G.A. § 9-13-172.1; and (3) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. § 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudical sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. ERIC W. VANTRUMP and JOANNA U. VANTRUMP have been notified in accordance with Georgia Law that attorney’s fees will be collected for the default in payment of said Promissory Note/Loan Agreement, and have been further notified in accordance with O.C.G.A. § 44-14-162 through § 44-14-162.4 that foreclosure proceedings have been instigated against this property by sending a copy of the legal advertisement prior to 30 days before the date of sale, by certified mail to the property address or such other address as ERIC W. VANTRUMP and JOANNA U. VANTRUMP may designate by written notice to the secured creditor. The person who shall have full authority to negotiate, amend, and modify all terms of the Deed to Secure Debt with ERIC W. VANTRUMP and JOANNA U. VANTRUMP, together with their telephone number is as follows: GREENSTONE FARM CREDIT SERVICES, FLCA, 3225 Walker Avenue NW, Grand Rapids, Michigan 49544; (616) 647-0030. The property will be sold as the property of the makers of said Deed to Secure Debt or their assigns, in bar of all equity or redemption, and will divest all of the right, title and interest of the makers thereof, or their assigns, in and to said property, and shall invest such title in the purchaser. The proceeds of said sale will be used first to the payment of expenses of said sale, including those attorney’s fees provided by said Deed to Secure Debt and/or that Note secured thereby; the payment of said Promissory Note/Loan Agreement , principal and interest; and the balance, if any, will be distributed as provided by law. THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. GREENSTONE FARM CREDIT SERVICES, FLCA Attorney in Fact for ERIC W. VANTRUMP and JOANNA U. VANTRUMP, Acting Pursuant To Powers, Contained In Said Deed To Secure Debt, By: R. Shane Lazenby, FORRESTER & BRIM, P.O. Box 1688

Gainesville, Georgia 30503.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Casey U. Hickox to The Mortgage People Co., dated June 16, 2003, recorded in Deed Book N-24, Page 214, Rabun County, Georgia Records, as last transferred to National City Mortgage Co. by assignment recorded in Deed Book C-25, Page 195, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-EIGHT THOUSAND AND 0/100 DOLLARS ($138,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: PNC Mortgage, 3232 Newmark Drive, Miamisburg, OH 45342, 800-523-8654. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Casey U. Hickox and Joshua George Hickox or a tenant or tenants and said property is more commonly known as 1308 Bridge Creek Road, Tiger, Georgia 30576. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. PNC Bank, National Association s/b/m to National City Bank s/b/m to National City Mortgage Co. as Attorney in Fact for Casey U. Hickox. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076, www.foreclosurehotline.net, MR/bw1 12/6/11 Our file no. 52459510-FT15 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lots 39 and 40 of the Fifth Land District of Rabun County, Georgia and being Tract 4 and containing 1.29 acres as more particularly described upon that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated April 13, 1987, last revised on May 28, 2003, which is recorded in Plat Book 50, Page 50, Clerk's office, Rabun County Superior Court. Reference is hereby had and made to said plat of survey for a full and complete description of the property herein conveyed. Conveyed herewith is a perpetual, non-exclusive twenty foot (20') easement for ingress to and egress from the above-described property across Tract 1 as shown upon the above-referenced plat of survey for the purpose of providing road access with Bridge Creek Road, a public road. Further, conveyed herewith is a perpetual, non-exclusive twenty foot (20') easement for utilities, as well as maintenance and repair of same. Said easement being shown upon the above-referenced plat of survey as running with the aforementioned driveway easement. MR/bw1 12/6/11 Our file no. 52459510. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1

NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Christopher Mumford to Mortgage Electronic Registration Systems Inc as nominee for AMPRO Mortgage, A Division of United Financial Mortgage Corporation its successor and assigns, dated March 12, 2007, recorded in Deed Book R31, Page 697, Rabun County, Georgia Records, as last transferred to JPMorgan Mortgage Acquisition Corp by assignment recorded in Deed Book 037, Page 323, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-SEVEN THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($157,500.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Rabun County, Georgia within the legal hours of sale on the first Tuesday in December, 2011, the following described property:All that tract or parcel of land lying and being in Land Lot 1 of the Fourth Land District of Rabun County, Georgia, and being in the City of Clayton, Georgia and being Tract 3 consisting of 0.29 acre as shown upon a plat of survey dated January 24, 2007 prepared by T. Lamar Edwards, Georgia Surveyor Land Surveyor No. 1837, said survey being recorded in the Office of the Clerk of Rabun Superior Court in Cabinet 58-171. Said survey is incorporated herein by reference for a full and complete description of the above-described property. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Residential Credit can be contacted at 888-409-9339 or by writing to fka Aames Home Loan, 350 South Grand Ave 47th Floor, Los Angeles, CA 90071, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Christopher Mumford or a tenant or tenants and said property is more commonly known as 17 Silver Leaf Court, Clayton, Georgia 30525. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. JPMorgan Mortgage Acquisition Corp as Attorney in Fact for Christopher Mumford. Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com, MSP/llb 12/6/11. Our file no. 11079710-FT1. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

11-10,17,24,12-1
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