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December 20, 2014
Clayton Legals 10.18.12
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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to James Raymond Darnell, 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 27th day of September, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Barbara C. Darnell acting as Executrix of the James Raymond Darnell estate). Address: PO Box 833, Clayton, GA 30525, Telephone: 706-982-4408

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IN THE JUVENILE COURT OF RABUN COUNTY

STATE OF GEORGIA

In the Interest of: Karanaya Kollars, DOB: 01/29/97, Sex: female,

CASE NO.2012-JU-62-C, Child under age of eighteen.

NOTICE OF DEPRIVATION HEARING

TO: ARMANDO GRISSANO, putative/legal father of the above-named child. By order for Service by Publication dated the 17th of September, 2012, you are hereby notified that on the 10th day of September, 2012, the Rabun County Department of Family and Children Services, Georgia Department of Human Services, filed a Petition for Temporary Custody against you as to the above-named child alleging that the child is deprived. You are required to file with the Clerk of Juvenile Court, and to serve upon Special Assistant Attorney General Alfred Chang, an answer in writing within sixty (60) days of the date of the Order for Service by Publication. This Court will conduct a final hearing upon the allegations of the Petition for Temporary Custody (deprivation) against you on the 5th day of November, 2012, at 9:00 am at the Rabun County Courthouse, Clayton, Georgia. The child and other parties involved may be represented by a lawyer at all stages of these proceedings. If you want a lawyer, you may choose and hire your own lawyer. If you want to hire a lawyer, please contact your lawyer immediately. If you want a lawyer but are not able to hire a lawyer without undue financial hardship, you may ask for a lawyer to be appointed to represent you. The Court would inquire into your financial circumstances and if the Court finds you to be financially unable to hire a lawyer, then a lawyer will be appointed to represent you. If you want a lawyer appointed to represent you, you must let the Court or the officer of this Court handling this case know that you want a lawyer immediately. WITNESS, the Honorable Robert D. Cullifer, Judge of said Court, this the 17th day of September, 2012.

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Travis Wayne White, 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 1st day of October, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Gale Meacham White acting as Executrix of the Travis Wayne White estate.) Address: 136 Natures Summit Lane, Lakemont, GA 30552 Telephone: 706-212-0522

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Notice of Sale under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in a security deed given by Gerald D. Keener and Mary Frances Keener to 1st Franklin Financial Corporation dated February 11, 2000 recorded in deed book M19 pages 636-638 of the Rabun County, Georgia deed records, conveying the after described property to secure a note in the original principal balance of $21,739.50 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 November, 2012, the following described property: See Exhibit A, attached hereto and incorporated herein by reference for a full and complete description thereof. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Gerald D. Keener and Mary Frances Keener. Gerald D. Keener and Mary Frances Keener by their attorney in fact 1st Franklin Financial Corporation. Don Ferguson, Attorney for 1st Franklin Financial Corporation, PO Box 3105, Cleveland, GA. 30528 EXHIBIT “A” All that tract or parcel of land Lot 101 of the Second Land District of Rabun County, Georgia and being more particularly described as follows: Beginning at a point in the center of Wolfork Road, 230 feet from the centerline of Germany Road, thence North 73 degrees 02 minutes East 100.2 feet, thence North 78 degrees 03 minutes East 63.85 feet, thence North 86 degrees 42 minutes East 80 feet, thence North 87 degrees 41 minutes East 216.85 feet, thence South 5 degrees 10 minutes West 670.4 feet, thence South 81 degrees 15 minutes West 216 feet to a point in the center of Keener Creek, thence North 16 degrees 48 minutes West 82.4 feet, thence North 13 degrees 42 minutes West 105.7 feet, thence North 42 degrees 15 minutes West 97.35 feet, thence North 45 degrees 15 minutes West 155.25 feet to the intersection of the small branch and Keener Creek, thence along with the meanders of the small branch, North 2 degrees 59 minutes East 49.85 feet, thence North 0 degrees 52 minutes East 36.05 feet, thence North 62 degrees 46 minutes East 54.3 feet, thence North 23 degrees 36 minutes East 65 feet, thence North 1 degrees 57 Minutes East 70.2 feet, thence North 36 degrees 12 minutes West 25.25 feet, thence North 45 degrees 25 minutes West 29.95 feet to the point of beginning, containing 5.7 acres.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Janet S. Richmond and Robert A. Richmond to Ameriquest Mortgage Company dated January 14, 2006 in the amount of $228,200.00, and recorded in Deed Book N29, Page 1, Rabun County, Georgia Records; as last transferred to Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-R2 by assignment; the undersigned, Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-R2 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 November, 2012 , 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 58 of the Fifth Land District of Rabun County, Georgia, and being Lot 16, containing 2.66 acres and Lot 17 containing 3.17 acres, in Glassy Mountain Acres Subdivision, said property being more fully described according to that certain plat of survey dated "revised" August 5, 1987, and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor, No. 1837, said plat being recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 26, Page 177. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed a perpetual, non-exclusive easement over and across that certain 30-foot wide road known as Mountain View Trail, said road being more fully described upon the above-mentioned plat of survey. There is excepted the rights of others to use Mountain View Trail for the purpose of access, ingress and egress to and from all of the lots of Glassy Mountain Acres. There is excepted from this conveyance the easement rights reserved by Jimmy W. Blalock and Woodrow Blalock for use of a water collection area and the water system for Glassy Mountain Acres as stated in a Warranty Deed August 16, 1988, from Jimmy W. Blalock and Woodrow Blalock to Robert A. Richmond and Cynthia Ann Hoppe recorded in other Office of the Clerk of Rabun Superior Court in Deed Book P-11, Pages 650-654. This conveyance is made subject to the terms and conditions of a waterline and road maintenance agreement attached to a Warranty Deed from Jimmy W. Blalock and Woodrow Blalock to Robert A. Richmond and Cynthia Ann Hoppe dated August 15, 1988, and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book P-11, Pages 650-654. This conveyance is made subject to Restrictive Covenants recorded in the Office of the Clerk of Rabun Superior Court in Deed Book P-11, Pages 650-654. The above described property is also conveyed subject to that certain road affidavit as recorded in the Office of the Clerk of Rabun Superior Court in Deed Book I-10, Page 409. which has the property address of 624 Frontier Road, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). Said property will be sold as the property of Janet S. Richmond and Robert A. Richmond 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. Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-R2 Attorney in Fact for Janet S. Richmond and Robert A. Richmond McCurdy & Candler, L.L.C. (404) 373-1612 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.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by Elwood Samuel Shepard, III to Mortgage Electronic Registration Systems, Inc., dated February 1, 2008, recorded in Deed Book G33, Page 335, 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 V35, Page 24, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-TWO THOUSAND FIVE HUNDRED EIGHTY AND 0/100 DOLLARS ($122,580.00), 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 November, 2012, 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., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. 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 Elwood Samuel Shephard III or a tenant or tenants and said property is more commonly known as 209 John Beck Dockins Road, Rabun Gap, Georgia 30568. 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you. 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 Elwood Samuel Shepard, III. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 MR/lm7 11/6/12 Our file no. 53521509-FT11 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 129 of the Second Land District of Rabun County, Georgia consisting of 0.94 acres and being more fully described upon a survey dated November 2, 1993, prepared by William F Rolander, Georgia Registered Land Surveyor No. 2042. said survey being recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia in Plat Book 34. Page 112. Said survey is incorporated herein by reference for a total and complete description of the above described land. The above described land consists of all the lands conveyed by Thomas Fountain Jr. to Forrest Bryson by Warranty Deed dated June 13, 1969 and recorded in Book J-4, page 571, aforesaid records. MR/lm7 11/6/12 Our file no. 53521509 - FT11

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA, COUNTY OF RABUN.

On May 28, 2008, Joey Dobbs Construction, LLC executed a Deed to Secure Debt With Power of Sale to Stephens Federal Bank, securing a note of even date for One Hundred Nineteen Thousand and 00/100 Dollars ($119,000.00), said security deed being recorded in Deed Book S33, Pages 498-504, 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 Clayton, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in November, the same being November 6, 2012, the following described property: All those tracts or parcels of land lying and being in Land Lot 104 of the Second Land District of Rabun County, Georgia, and being designated as Tract 1, containing 0.97 acre, Tract 2 containing 0.36 acre, Tract 3 containing 0.44 acre and Tract 4 containing 0.74 acre as more fully described upon that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated August 27, 2007, which is recorded in the office of the Clerk of Rabun Superior Court in Plat 58-442. 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 above-described property, over and across those certain roads as shown upon the above-referenced plat of survey, which provides ingress and egress to and from said tracts from Wolffork Road. There is also conveyed herewith the easements described in those certain warranty deeds as follows: from Bert Bickerstaff to Barbara S. Simmons dated May 10, 1995, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-15, Page 206; that certain warranty deed from Anne Langley Peterson to Barbara S. Simmons dated July 10, 1995, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book U-15, Page 96; that certain warranty deed from Leaverne P. Brown to Barbara S. Simmons dated November 1, 1993, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-14, Page 26. This conveyance is made subject to the easements reserved in the above-described warranty deeds. The debt secured by said security deed and note has been and is hereby declared due and payable because of default for nonpayment 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 Joey Dobbs Construction, LLC 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 Joey Dobbs Construction, LLC. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is Stephens Federal Bank, 2859 Highway 17 Alt, Toccoa, Georgia 30577; 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 Stephens Federal Bank. Dated this 20th day of September, 2012. Stephens Federal Bank, Attorney-in-fact for Joey Dobbs Construction, LLC Sanders & Ranck, P.C. P. O. Box 1005 Toccoa, GA 30577 706-886-7533 Attorneys for Stephens Federal Bank

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA, COUNTY OF RABUN.

On March 14, 2008, Joey Dobbs Construction, LLC executed a Deed to Secure Debt With Power of Sale to Stephens Federal Bank, securing a note of even date for One Hundred Forty-Eight Thousand Five Hundred and 00/100 Dollars ($148,500.00), said security deed being recorded in Deed Book K33, Pages 270-277, 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 Clayton, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in November, the same being November 6, 2012, the following described property: All that tract or parcel of land lying and being in a part of Land Lot 104 of the Second Land District of Rabun County, Georgia, and being 0.38 acre as described upon a plat of survey dated September 30, 1986 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 23, Page 171. Said survey is incorporated herein by reference for a full and complete description of the above described lands. The above described lands are the same lands described in a deed from Bertrand C. Mills and Marjorie E. Mills to David L. Wheatley and Gwendolyn B. Wheatley in Deed Book Q-11, Page 49. Grantors also convey to Grantees a non-exclusive right of ingress and egress over Coleman Road as shown on said plat to and from said lot to the public road. Said Coleman Road is private road 20 feet wide, expressly reserving rights of others and for Carlton Coleman and his heirs and assigns to use said road and to convey similar road rights to others. Also, conveyed herein are those certain water rights which are more fully described in that certain deed from W. H. Mitchell, Jr. to Frank A. Dwyer and Kay E. Dwyer dated May 20, 1983, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book P-8, Page 671. This conveyance of water rights is also subject to the conditions that they will be used for household purposes on the above-described real property and the Grantees herein shall pay to Carlton Coleman and Marjorie Coleman, their heirs, successors and assigns $36.00 per year for maintenance of said water system. Said lot is conveyed subject to restrictive covenants contained in a warranty deed from Carlton Coleman and Marjorie Coleman to W.H. Mitchell, Jr. dated December 17, 1981 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book D-8, Page 431. There is also conveyed the right to use that certain common driveway extending from Coleman Road to the above-described property. Said driveway extends over and across other lands of W.H. Mitchell, Jr. lying adjacent to the above-described property. The right to use said driveway shall be a non-exclusive right and shall inure to the benefit of the Grantees, their heirs, successors and assigns and shall be an easement appurtenant to the above-described property. There is reserved from the above-described property the right of W.H. Mitchell, Jr. to use any portion of said common driveway as it extends over the above-described lands. Said right shall inure to the benefit of W.H. Mitchell, Jr., his heirs, successors and assigns. Being same lands and rights described in a deed from Frank A. Dwyer and Kay E. Dwyer to Certain C. Mills and Marjorie E. Mills, recorded in Rabun County, Georgia Deed Records in Deed Book A-11, Page 184. The debt secured by said security deed and note has been and is hereby declared due and payable because of default for nonpayment 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 Joey Dobbs Construction, LLC 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 Joey Dobbs Construction, LLC. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is Stephens Federal Bank, 2859 Highway 17 Alt, Toccoa, Georgia 30577; 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 Stephens Federal Bank. Dated this 20th day of September, 2012. Stephens Federal Bank, Attorney-in-fact for Joey Dobbs Construction, LLC Sanders & Ranck, P.C., P. O. Box 1005 Toccoa, GA 30577 706-886-7533, Attorneys for Stephens Federal Bank

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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 Douglas Allen Hopper, Jr. and Dowana G. Hopper to Community Bank & Trust dated April 23, 2008, recorded among Rabun County, Georgia Records in Deed Book P33, Page 135, 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 November, 2012 by SCBT d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Douglas Allen Hopper, Jr. and Dowana G. Hopper the following described property: All that tract or parcel of land lying and being in land Lot 122 of the Second Land District of Rabun County, Georgia and being 8.50 acres as described upon a plat of survey dated April 17, 2008, 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 59, Page 177. Said survey is incorporated herein by reference for a full and complete description of the above described lands. There is also conveyed a perpetual, non-exclusive easement over and across an existing soil road extending from the Southerly right-of-way of Wolfford Road over and across the adjacent lands of the Grantors to the Northeast corner of the above-described property, the exact location of said soil road being more fully shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 42, Page 258 and said survey is incorporated herein by reference for a full and complete description of the location of said easement. 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. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is SCBT d/b/a CBT, a Division of SCBT, 448 North Main Street, Cornelia, Georgia, 30531; phone number 706-776-5107. To the best of the undersigned's knowledge and belief, the parties in possession are Douglas Allen Hopper, Jr. and Dowana G. Hopper 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 d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Douglas Allen Hopper, Jr. and Dowana G. Hopper. 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

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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 Justin Tyson to Mortgage Electronic Registration Systems, Inc. dated January 15, 2008, and recorded in Deed Book D33, Page 388, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $126,800.00, 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, November 6, 2012, 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 22 of the Fifth Land District of Rabun County, Georgia, and being Lot 1-H containing 0.76 acre as more particularly described according to that certain plat of survey dated December 21, 1986, prepared by William F. Rolader, Georgia Registered Surveyor No. 2042, said plat being recorded in Plat Book 24, page 102, in the office of the Clerk of Rabun Superior Court, reference to said plat being for the express purpose of incorporating its description herein. Said property is known as 407 Joe Davis Road, Tiger, GA 30576, 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 proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. 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 secured creditor. The property is or may be in the possession of Justin Tyson, successor in interest or tenant(s). Wells Fargo Bank, NA as Attorney-in-Fact for Justin Tyson. File no. 12-031956 SHAPIRO & SWERTFEGER, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100 Atlanta, GA 30341-3941 (770) 220-2535/KB. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

Georgia, Rabun County

By virtue of a power of sale contained in the Declaration of Covenants, Conditions and Restrictions of Tanglewood Condominium Association, Inc. as amended, of file and record in DB O-7, Pages 335-369 and DB S-19, Pages 18-21, in the office of the Clerk of Rabun Superior Court, and said amended Declaration providing for the assessment, payment and collection of certain maintenance fees and other charges due said Association by the following owners with attorney’s fees, late charges and interest, and said charges being past due and unpaid, demand having been made by certified mail and payment refused, there will be sold by the undersigned at public outcry to the highest bidder for cash before the courthouse door in the City of Clayton, Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November 2012, the following described property of the following owners: Certain Interval Time Share Unit Weeks and all rights, title and interest pertaining thereto in Tanglewood Condominium Association, Inc. and the improved real property known as Tanglewood Condominiums located in the City of Sky Valley and being more fully described in a plat of survey recorded in the office of said Clerk in Condominium Plat Book 1, Pages 262-263, the same being sold as the property of the following named owners: Tammy Butts, Luther E. & Barbara Jean Hales, 161 Pitts Road, Gray, GA 31032, Unit G, Week 46; David DeGrange, PO Box 550041, Fort Lauderdale, FL 33355, Unit F, Week 28; William A. & Shirley D. Fletcher, 2985 Glen Haven Drive, Gainesville, GA  30501, Unit E, Week 44;  Howard Hamilton, 1807 Glen Valley Drive, Irving, TX 75061, Unit F, Week 50; Steve Levy, PO Box 865, Williamsburg, VA 23185, Unit C, Week 20; Premier Acquisition Management, LLC, Attn: M.A. Rogers, 7451 Warner Avenue, Suite E-200, Huntington Beach, CA 92647, Unit F, Week 52; Herman C. & Frances L. Metzig, 13640 Brass Parkway, Rosemount, MN 55068, Unit A, Week 32; J.I. Montgomery, Blue Ridge Lane, PO Box R, Mountain City, GA 30562, Unit I, Week 34; Daniel F. Pursel, 2224 NE 17th. Terrace, Fort Lauderdale, FL 33305, Unit C, Week 06; Harriett Shivik & Randall E. McElreath, 1140 Vineyard Drive, Conyers, GA 30208, Unit A, Week 04; Henry & Martha Ann Sims, 226 Mohawk St, Waterloo, IA 50703, Unit B, Week 20; and Judy Sandefur Sutton, 133 Carolina Avenue, Macon, GA 31204, Unit G, Week 45. The said indebtedness has been and is hereby declared in default by reason of non-payment of said charges and assessments by the above-named debtors. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees. Said property will be sold as the property of the named debtors subject to outstanding ad valorem taxes, assessments, prior liens, encumbrances, easements, restrictions or security instruments of record, if any, having priority over the indebtedness described herein. Seller will provide deeds under power of sale to the purchasers. THIS IS AN ATTEMPT BY THE UNDERSIGNED TO COLLECT SAID INDEBTEDNESS; ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. A.M. Wilkinson, Jr., Attorney Tanglewood Condo. Association, Inc. 66 Demorest Lane, #333 as Attorney in Fact for the above-named debtors Sky Valley, GA 30537 by A.M. Wilkinson, Jr., President

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IN THE PROBATE COURT, COUNTY OF RABUN

STATE OF GEORGIA

IN RE: ESTATE OF MARY KATHRYN EASTERLING, Deceased, Estate No. 3825, Petition to Probate Will in Solemn Form. NOTICE, AN ORDER FOR SERVICE WAS GRANTED BY THIS COURT ON October 3, 2012, REQUIRING THE FOLLOWING: TO: any possible unknown heirs. This is to notify you to file objection, if there is any, to the above referenced petition, in this Court on or before November 5, 2012. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds 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, Clerk of the Probate Court, 25 Courthouse Square, Suite 215, Clayton, GA 30525, 706-782-3614

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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 Doug Hopper to Community Bank & Trust dated February 9, 2009, recorded among Rabun County, Georgia Records in Deed Book P34, Page 332, 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 November, 2012 by SCBT d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Doug Hopper the following described property: All that tract or parcel of land lying and being in Land Lot 7 of the Fifth Land District of Rabun County, Georgia and being more particularly described as 1.41 acre tract of land as depicted on a plat of survey dated November 15, 1999 and prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042. Said plat is of record in Plat Book 58, Page 251 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 1.41 acre tract of land as depicted thereon. 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. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is SCBT d/b/a CBT, a Division of SCBT, 448 North Main Street, Cornelia, Georgia, 30531; phone number 706-776-5107. To the best of the undersigned's knowledge and belief, the parties in possession are Doug Hopper Sr., Douglas Allen Hopper Jr. and Dowana Hopper 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 d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Doug Hopper. 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

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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 K Smith and Michael L Smith to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated August 25, 2008 in the amount of $180,000.00, and recorded in Deed Book C34, Page 518, 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 November, 2012 , 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 118 of the Second Land District of Rabun County, Georgia and consisting of 1.16 acres as more particularly described upon that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated October 6, 1997, revised October 21, 1997 and recorded in Plat Book 38, Page 241, 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. There is depicted upon the above-referenced plat of survey a ten foot (10`) wide gravel drive that extends in a Southeasterly direction from York House Road, a public road, and enters said 1.16 acre tract near the Westernmost corner of same. Conveyed herewith is a perpetual, non-exclusive road Right-of-Way easement over and across said ten foot (10`) wide gravel drive for the purpose of ingress and egress from and to the 1.16 acre tract, to and from York House Road, a public road. Further, the above-described property is conveyed subject to that portion of same lying and being within said ten foot (10`) wide gravel drive and the rights of others to use said road.In addition, the aforementioned plat of survey depicts a well that is located South 70 degrees 13 minutes East a distance of 92.6 feet from the Easternmost corner of the above-described 1.16 acre tract of land. Said well provides water to the subject property as well as to other properties. Conveyed herewith is a perpetual, non-exclusive easement for the use of said well. NOTE: Said well is located upon adjacent property being now or formerly owned by Anthony W. Wall and Linda F. Wall and the rights for the use of said well are more particularly described in those certain warranty deeds recorded in Deed Book I-17, Page 87 and Deed Book B-18, Page 471, Clerk`s office, Rabun Superior Court. which has the property address of 34 Stella Lane, Rabun Gap, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). Said property will be sold as the property of Linda K Smith and Michael L Smith 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 K Smith and Michael L Smith. McCurdy & Candler, L.L.C. (404) 373-1612 File No. 12-06350 /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.

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NOTICE OF SALE UNDER POWER,

RABUN COUNTY

Pursuant to the Power of  Sale contained in a Security Deed given by Vicki C Lovell to Mortgage Electronic Registration Systems, Inc., as nominee for Oceanside Mortgage Company dated 5/15/2009 and recorded in Deed Book C35 Page 308, Rabun County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 164,150.00, with interest at the rate specified 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 November , 2012 (November 06, 2012), the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 4 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING DESIGNATED AS LOT 2 OF AMY SUBDIVISION CONTAINING 2.31 ACRES AS SHOWN UPON THE PLAT OF SURVEY BY T. LAMAR EDWARDS, GEORGIA REGISTERED SURVEYOR NO. 1837, RECORDED IN PLAT BOOK 13, PAGE 103, IN THE OFFICE OF THE CLERK OF 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. PARCEL NUMBER(S): 044D 012 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 the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property is commonly known as 1555 E Boggs Mountain Road, Tiger, GA 30576 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Vicki C Lovell or tenant or tenants. Wells Fargo Bank, NA is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines. Wells Fargo Bank, NA Loss Mitigation 3476 Stateview Boulevard Fort Mill, SC  29715 1-800-662-5014 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. 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) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) 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 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 non-judicial 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 immediately above. Wells Fargo Bank, NA as agent and Attorney in Fact for Vicki C Lovell, Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Thor Anderson to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR FREMONT INVESTMENT & LOAN, dated September 18, 2006, recorded in Deed Book W30, Page 40, Rabun County, Georgia records, as last transferred to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D by assignment recorded or to be recorded, Rabun County, Georgia records conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-EIGHT THOUSAND, SEVEN HUNDRED TWENTY AND NO/100 DOLLARS ($138,720.00); 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 November, 2012 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 TRACT C, CONSISTING OF 0.51 ACRE AS DESCRIBED UPON PLAT OF SURVEY DATED JANUARY 23, 2003, PREPARED BY WILLIAM F. ROLADER, GEORGIA REGISTERED LAND SURVEYOR NO. 2042, SAID SURVEY BEING RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RABUN COUNTY, GEORGIA IN PLAT BOOK 48, PAGE 241. SAID SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A FULL AND COMPLETE DESCRIPTION OF THE ABOVE DESCRIBED LANDS. THERE IS ALSO CONVEYED A PERPETUAL, NON-EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR THAT CERTAIN ROAD SIXTEEN (16) FEET IN WIDTH EXTENDING FROM MERRYDALE ROAD TOGETHER WITH A PERPETUAL, NON EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR A CULDESAC HAVING A RADIUS OF TWENTY (20) FEET, SAID ROAD AND CULD\ESAC BEING SHOWN UPON THE ABOVE REFERENCED PLAT OF SURVEY, SAID EASEMENT SHALL BE FOR THE PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT C AND BE AN EASEMENT APPURTENANT TO TRACT C AND SHALL INURE TO THE BENEFIT OF THE OWNERS OF TRACTS C, THEIR HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS. THE GRANTOR RESERVES THE RIGHT FOR HIMSELF, HIS HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS, TO USE MAINTAIN AND REPAIR THE ABOVE DESCRIBED ROAD AND CULDESAC FOR PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT A AND TRACT B AS 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, 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: Ocwen Loan Servicing LLC, Attention: Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, Fax 407-737-5693. 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 parties in possession of the property are Thor Anderson or a tenant or tenants and said property is more commonly known as 218 Merrydale Ln, Clayton, GA 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. HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D As Attorney in Fact for Thor Anderson. Weissman, Nowack, Curry & Wilco, PC Attn: Ocwen Team One Alliance Center 3500 Lenox Road Atlanta, GA 30326 Our File# 013142

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GEORGIA RABUN COUNTY
NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from FRANCES K. BIRD and DIANNA G. BOYKIN to MOUNTAIN HERITAGE BANK dated MAY 17, 2005 and recorded in Deed Book D-28, pages 57-65 of the Rabun County deed records given to secure a promissory note in the amount of ONE HUNDRED THIRTY TWO THOUSAND FIFTY and 00/100 Dollars ($132,050.00), 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 November, to-wit: November 6, 2012, 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 42, Phase I of The Ridges of Rabun, containing 2.539 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 42 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 FRANCES K. BIRD and DIANNA G. BOYKIN subject to (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 James Josef Dills and Jennifer Lynn Dills are 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: FRANCES K. BIRD and DIANNA G. BOYKIN by certified mail, return receipt requested on October 4, 2012 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 FRANCES K. BIRD and DIANNA G. BOYKIN. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose. Bruce Russell, Jr., Esq. RUSSELL & RUSSELL, PC. P.O. BOX 1202 CLAYTON, GA 30525 (706) 782-6240

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to SUSAN MARTHA WEINER, 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 3 day of October, 2012. Witness my/our hand(s) and seal(s), on the day above written. (J. David Smith acting as Administrator of the Susan Martha Weiner estate.) Address: 17 Chechero Street, Clayton, GA 30525, Telephone: 706-782-4285

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to FRANKLIN WALTER BEACHAM, 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 4 day of October, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Lillian Diane Jackson acting as Executrix of the Franklin Walter Beacham estate.) Address: 504 Richardson St. Simpsonville, SC 29761, Telephone: 864-640-7619

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NOTICE OF SALE UNDER POWER

By virtue of the power of sale contained in a Deed to Secure Debt by CALVIN WEBB and MARY WEBB to ABN Amro Mortgage Group, Inc., dated May 9, 2007 and filed for record May 14, 2007 in Deed Book A32, Page 117, Rabun County, Georgia records, and securing a Note in the original principal amount of $430,000.00; 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 November, 2012, by CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. as Attorney-in-Fact for CALVIN WEBB and MARY WEBB the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lots 175, 176 & 190 of the Second Land District of Rabun County, Georgia, and being designated as Lot 5 of Wyngate at Dillard, containing 5.64 acres as more fully described on that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated May 8, 2007, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat File 58-295. 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 that certain Declaration of Restrictive Covenants for Wynngate at Dillard dated October 26, 2000, which is recorded in the Office of the Clerk of Rabun Superior Court in Deed Book F-20, Page 167, and that certain First Amendment dated April 25, 2001, which recorded in the Office of the Clerk of Rabun Superior Court in Deed Book U-20, Page 322 and that certain Second Amendment of Declaration of Covenants and Restrictions for Wynngate at Dillard dated January 31, 2003, and recorded in Deed Book T-23, Page 57, Clerk`s Office, Rabun Superior Court, and any and all amendments or modifications thereto of record. This conveyance is made subject to easements for roads or utilities not of record but in visible use and existing, zoning regulations or other regulations imposed by governmental authority and a lien for real estate taxes not yet due and payable. There is also conveyed herewith a perpetual non-exclusive easement of ingress and egress to and from the above-described property over and across the subdivision roads shown upon the above referenced plat of survey to and from Ledford Road, a public road, as depicted on said survey. The above-described property is conveyed subject to those certain easement rights of others as contained in that certain Warranty Deed dated September 26, 2006, recorded in Deed Book B-31, Page 517, Clerk`s Office, Rabun Superior Court, with the specific EXCLUSION of certain ingress and egress rights as also contained in said deed. The property conveyed herein is subject to that portion of same lying and being within the right-of-way or bounds of Ledford Road, a public road as same is shown upon the above referenced plat of survey. The above described property is conveyed together with and subject to any other rights and easements of record or actually existing upon said property. The above described property is also known as 726 LEDFORD ROAD, 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 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. 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: CitiMortgage, Inc. 5280 Corporate Drive, Attn: Default Mail Services, Frederick, MD 21703, Phone: HAT Program: 866-272-4749 Fax: 866-989-2089 or 866-989-2088. The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require CitiMortgage, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. as Attorney-in-Fact for CALVIN WEBB and MARY WEBB. SHUPING, MORSE & ROSS, L.L.P., By: S. Andrew Shuping, Jr., 6259 Riverdale Road, Suite 100, Riverdale, GA 30274, 770-991-0000. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from Charles P. Hudson and Elizabeth S. Hudson to Regions Bank d/b/a Regions Mortgage, dated August 23, 2007, recorded August 30, 2007, in Deed Book O-32, Page 583, Rabun County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of FOUR HUNDRED SEVENTEEN THOUSAND DOLLARS AND NO CENTS ($417,000.00), with interest thereon as provided for 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 November 2012 by the secured creditor, Regions Bank d/b/a Regions Mortgage, as Attorney in Fact for Charles P. Hudson and Elizabeth S. Hudson, 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 24 and 25 of the 4th Land District of Rabun County, Georgia, and being all of Lot No. 101, Block HH of Kingwood Estates and consisting of 0.59 acres more or less, as shown on that plat of the survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated November 6, 2006, and recorded in Plat Records 58-29 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 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. Said property being known as 349 Lancelot Loop, Clayton, GA 30525 according to the present numbering system in Rabun County. 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; 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 Charles P. Hudson and Elizabeth S. Hudson or tenant(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. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Regions Bank d/b/a Regions Mortgage, 215 Forrest Street, Hattiesburg, MS 39401 TEL (800) 748-9498. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500.

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NOTICE OF SALE UNDER

POWER IN SECURITY DEED

Our File No. 12-602 G E O R G I A, RABUN COUNTY

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by William J. Armstrong to STEPHENS FEDERAL BANK dated November 16, 2007, and recorded in Deed Book Y-32, Pages 136-152, Rabun County, Georgia Public Records, and an Assignment to Secure Debt dated November 16, 2007, and recorded in Deed Book Y-32, page 153, Rabun County, Georgia Public Records, and a Renewal Loan Agreement dated September 21, 2009 and recorded in Deed Book M35, pages 622-624, Rabun County, Georgia Records, conveying the after described property to secure a note dated November 16, 2007, modified on September 21, 2009 and modified on January 24, 2012 in the original principal amount of TWO MILLION SIX HUNDRED FIFTEEN AND 00/100 DOLLARS ($2,615,000.00), 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 November, 2012, the same being November 6, 2012, the following described property. All of the Grantor's leasehold interest in all the Grantor's improvements located in all that tract or parcel of land lying and being in Land Lot 95 of the Fifth Land District of Rabun County, Georgia, and being Georgia Power Company Lease Lot 383 in Area 17 of Lake Burton Recreational Development, consisting of 2.47 acres being more fully described upon a plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor, No. 1837, dated August 12, 1997, and recorded in the office of the clerk of Rabun Superior Court in Plat Book 39, page 230. Said survey is incorporated herein by reference for a full and complete description of the property. There is also conveyed herewith all improvements, buildings and structures located on the above-described Georgia Power Lease Lot. There is also conveyed herewith those certain easements which are more fully described in that certain lease agreement between Georgia Power Company and William J. Armstrong dated September 3, 1997. 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: STEPHENS FEDERAL BANK located at 221 Hwy 76 E, Clayton, Georgia 30525, 706-782-3738. 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 parties in possession of the property are William J. Armstrong and/or any tenant or tenants in possession and said property is located on 70 Alachee Lane, Tiger, GA 30576 and being Rabun County Tax Parcel # LB14 115L. 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 28th day of September, 2012. STEPHENS FEDERAL BANK, as AttorneyinFact for William J. Armstrong under Power of Sale contained in Security Deed recorded in Deed Book Y-32, page(s) 136-152, Rabun County, Georgia Records. J. DAVID SMITH, LLC, Attorney for STEPHENS FEDERAL 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.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Deed to Secure Debt and Security Agreement from Clarence N. Daws to First Citizens Bank and Trust Company, Inc. (by virtue of that certain Assignment of Security Deed and Related Security Instruments Without Recourse (Georgia), filed and recorded March 17, 2011 in Deed Book B37, Page 588, RABUN COUNTY, Georgia Records, assignee of the Federal Deposit Insurance Corporation in receivership of Georgian Bank) (“First Citizens”), dated March 31, 2009, filed and recorded April 23, 2009 in Deed Book W34, Page 608, Rabun County, Georgia Records (as amended, modified, or revised from time to time, “Security Deed”), said Security Deed having been given to secure a note in the original principal amount of THREE HUNDRED THOUSAND AND 00/100THS DOLLARS ($300,000.00) (as amended, modified, or revised from time to time, the “Note”) with interest thereon as provided for 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 for sale on the first Tuesday in November, 2012, all property described in said Security Deed, including, but not limited to, declarant's rights, if any, and, without limitation, the following described property (or so much thereof as has not, as of said first Tuesday, by duly executed and recorded instrument, previously been released from the lien of the Security Deed): TRACT I, ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 114 OF THE 5TH DISTRICT, RABUN COUNTY, GEORGIA, DESIGNATED AS LOT 12, DURDEN SUBDIVISION, CONTAINING 0.19 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY PREPARED BY NEWMAN AND COMPANY BY T. LAMAR EDWARDS, R.S., UNDER DATE OF JANUARY 17, 1977, RECORDED IN PLAT BOOK 13, PAGE 87, RABUN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE THERETO. TRACT II, ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 114 OF THE 5TH DISTRICT, RABUN COUNTY, GEORGIA, DESIGNATED AS LOT 9 OF THE DURDEN SUBDIVISION, CONTAINING 5.10 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY PREPARED BY NEWMAN AND COMPANY BY T. LAMAR EDWARDS, R.S., UNDER DATE OF JANUARY 17, 1977, RECORDED IN PLAT BOOK 13, PAGE 87, RABUN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE THERETO. 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 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 inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way, 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 Clarence N. Daws or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the United States Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. First Citizens and its counsel are acting as debt collectors. Any information obtained will be used for that purpose. First Citizens as Attorney-in-Fact for Clarence N. Daws, Contact: Guillermo Todd, Esq., Busch, Slipakoff & Schuh, LLP, 3330 Cumberland Boulevard, Suite 300, Atlanta, Georgia 30339, Telephone (770) 790-3550

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from SHIRLEY JANE HENRY to UNITED COMMUNITY BANK RABUN COUNTY N/K/A UNITED COMMUNITY BANK, dated January 22, 2002, recorded January 22, 2002, in Deed Book Y-21, Page 550, Rabun County, Georgia records, as modified by Modification of Security Deed dated June 24, 2008, recorded in Deed Book X-33, Page 265, Rabun County, Georgia records, said Security Deed being given to secure a Note from SHIRLEY JANE HENRY dated June 24, 2008, in the original principal amount of Twenty Six Thousand Five Hundred Fifty Four and 07/100 ($26,554.07) Dollars, as modified, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property: TRACT A: All that tract or parcel of land lying and being in Land Lot 79 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 October 4, 2001 and prepared by William J. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is designated on said plat of survey as Tract 2 containing 0.39 acres. Said plat is of record in Plat Book 47, Page 2 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 2 containing 0.39 acres as depicted thereon. NOTE: Said plat shows Colchester Lane, that runs along the southwesterly line of Tract 1. Colchester Lane runs in a northwesterly direction from the northwest corner of Tract 1 to Blacks Creek Road, a public road. As shown on said plat, Colchester Lane runs across Tract 2 and Tract 4 and back into Tract 1, where said road terminates. There is a newly constructed road that is not shown on said plat, that intersects with Colchester Lane at a location north of the well on Tract 1 and that extends in a southeasterly and thence southerly direction from said intersection and across Tract 1 and thence, across the southwest corner of Tract 3 and thence into Tract 4, where said newly constructed road terminates. NOTE: The Grantor HEREBY RESERVES for himself, his heirs and assigns a perpetual, non-exclusive road right of way easement over and across all of said above described roads for the purpose of providing road access to and from all four (4) tracts of land that are shown on said above referenced plat of survey with Blacks Creek Road, a public road. ALSO CONVEYED as an easement appurtenant to the above described tract or parcel of land is a perpetual, non-exclusive road right of way easement over and across all roads that lead from the same and that extend to Blacks Creek Road for the purpose of providing ingress to and egress from said above described tract of land with Blacks Creek Road. Said above described tract or parcel of land is conveyed subject to all roads, utilities and waterlines that cross the same, an easement being hereby reserved for said roads, utilities and waterlines. TRACT B: All that tract or parcel of land lying and being in Land Lot 79 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 October 4, 2001 and prepared by William J. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is designated on said plat of survey as Tract 3 containing 0.93 acres. Said plat is of record in Plat Book 47, Page 2 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 3 containing 0.93 acres as depicted thereon. NOTE: Said plat shows Colchester Lane, that runs along the southwesterly line of Tract 1. Colchester Lane runs in a northwesterly direction from the northwest corner of Tract 1 to Blacks Creek Road, a public road. As shown on said plat, Colchester Lane runs across Tract 2 and Tract 4 and back into Tract 1, where said road terminates. There is a newly constructed road that is not shown on said plat, that intersects with Colchester Lane at a location north of the well on Tract 1 and that extends in a southeasterly and thence southerly direction from said intersection and across Tract I and thence, across the southwest corner of Tract 3 and thence into Tract 4, where said newly constructed road terminates. NOTE: The Grantor HEREBY RESERVES for himself, his heirs and assigns a perpetual, non-exclusive road right of way easement over and across all of said above described roads for the purpose of providing road access to and from all four (4) tracts of land that are shown on said above referenced plat of survey with Blacks Creek Road, a public road. ALSO CONVEYED as an easement appurtenant to the above described tract or parcel of land is a perpetual, non-exclusive road right of way easement over and across all roads that lead from the same and that extend to Blacks Creek Road for the purpose of providing ingress to and egress from said above described tract of land, with Blacks Creek Road. Said above described tract or parcel of land is conveyed subject to all roads, utilities and waterlines that cross the same, an easement being hereby reserved for said roads, utilities and waterlines. Included herewith is a 1971 Vintage Mobile Home, VIN #VM770. 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 the 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, easements, 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 SHIRLEY JANE HENRY or a tenant or tenants. UNITED COMMUNITY BANK RABUN COUNTY N/K/A UNITED COMMUNITY BANK, as attorney in Fact for SHIRLEY JANE HENRY, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923, File No. 7484A-03368, THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from BRIAN ODES STANCIL AND CHRISTY STANCIL to UNITED COMMUNITY BANK, dated August 17, 2007, recorded August 17, 2007, in Deed Book N-32, Page 179, Rabun County, Georgia records, as last modified by Modification of Security Deed dated January 6, 2012, recorded in Deed Book B-38, Page 83, Rabun County, Georgia records, said Security Deed being given to secure a Note from BRIAN ODES STANCIL and CHRISTY STANCIL dated January 6, 2012, in the original principal amount of Fifty One Thousand Nine Hundred Seventy Eight and 96/100 ($51,978.96) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property: All that tract or parcel of land lying and being in Land Lot 6 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 conveyed, reference is hereby had and made to a plat of survey dated September 24, 1996 and prepared by Peter J. Pietraszuk, Georgia Registered Land Surveyor No. 2262. The real property being hereby Conveyed is a 3.00 acre tract of land. Said plat is of record in Plat Book 35, Page 308 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 3.00 acre tract of land as depicted thereon. There is also conveyed all of the easement rights contained in that certain easement dated October 11, 1996 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book S-16, Page 465. 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 the 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, easements, 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 BRIAN ODES STANCIL AND CHRISTY STANCIL or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for BRIAN ODES STANCIL AND CHRISTY STANCIL, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923, File No. 7484A-03383, THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from MISTY LANIER to UNITED COMMUNITY BANK, dated June 22, 2001, recorded June 22, 2001, in Deed Book Z-20, Page 463, Rabun County, Georgia records, as modified by Modification of Security Deed dated August 12, 2009, recorded in Deed Book J35, Page 292, Rabun County, Georgia records, said Security Deed being given to secure a Note from MISTY LANIER dated August 12, 2009, in the original principal amount of Twenty Two Thousand Six Hundred Eighty Five and 69/100 ($22,685.69) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property: All that tract or parcel of land lying and being in Land Lot 4 of the Third Land District of Rabun County, Georgia, and containing 2.93 acres, and being shown upon that certain plat of survey prepared by William F. Rolader, Georgia. Registered Land Surveyor No. 2042, dated May 1, 1991, revised May 8, 2001 and which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 46, Page 95, said plat and the record of the same being incorporated herein by reference for a full and complete description of the property herein conveyed. 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 the 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, easements, 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 MISTY LANIER or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for MISTY LANIER, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923, File No. 7484A-03382, THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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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 William H. Ellis and Verna A. Ellis to ABN AMRO Mortgage Group, Inc. in the original principal amount of $109,600.00 dated 07/26/2005, and recorded in Deed Book M-28, page 187, Rabun County records, 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 November, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for William H. Ellis and Verna A. Ellis the following described property: All that tract or parcel of land lying and being in Land Lot 146 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 last revised June 9, 2000, and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor Number 1837. Said plat depicts five (5) tracts of land. The real property being hereby conveyed is Tract 2-B, containing 0.21 acres, and Tract 3, containing 0.52 acres. Said plat is of record in Plat Book 43, Page 13, 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 Tracts 2B containing 0.21 acres and Tract 3 containing 0.52 acres as depicted thereon. Said two tracts are adjacent to each other and collectively comprise one tract of land that contains 0.73 acres. Said plat shows a driveway that extends in a southeasterly direction from the Old Clayton Dillard Road and across Tracts 1A, 2A and 2B and into Tract 3 where said driveway terminates. Also conveyed as an easement appurtenant to the above described Tracts 2B and 3 is a perpetual, non-exclusive road right of way easement over and across said driveway for the purpose of providing ingress to and egress from Tracts 2B and 3 with the Old Clayton Dillard Road, a public road. Property known as: 434 Franklin Street, 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. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. 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, Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is William H. Ellis and Verna A. Ellis. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for William H. Ellis and Verna A. Ellis. 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, Our File No. 12-07039

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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 Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon to ABN AMRO Mortgage Group, Inc. in the original principal amount of $110,000.00 dated 12/11/2003, and recorded in Deed Book 025, page 314, Rabun County records, 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 November, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon the following described property: All that tract or parcel of land lying and being in Land Lots 20 and 23 of the Fifth Land District of Rabun County, Georgia, and being Lot 1-X consisting of 1.11 acres of the Joseph T. Davis Subdivision as shown upon that certain plat of survey prepared by Hubert Lovell, Georgia Registered Land Surveyor, No. 1563, dated February 29, 1996, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 37, Page 177. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. The above-described Lot 1-X constitutes all of the lands conveyed by Fulton Lovell to Horst Bliwernitz and Ruth E. Bliwernitz by Warranty Deed dated July 7, 1975, and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book V-6, Page 277. There is also conveyed a perpetual non-exclusive easement for use, maintenance and repair of Mountain View Road as shown upon a plat of survey recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 37, Page 177. Said easement shall be an easement appurtenant to all of the above described lands and shall insure to the benefit of the grantees, their heirs, successors and assigns. There is also conveyed an easement for installation and maintenance of utility lines and service to extend across West View Trail. This conveyance is made subject to the following restrictions that no mobile homes by placed on the property. Property known as: 224 Buckshot Lane, 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. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. 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. Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon. 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, Our File No. 12-05487

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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 Brian McCoy and Melissa McCoy to ABN AMRO Mortgage Group, Inc. in the original principal amount of $280,000.00 dated 11/18/2004, and recorded in Deed Book H27, page 356, Rabun County records, 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 November, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Brian McCoy and Melissa McCoy the following described property: All that tract or parcel of land lying and being in Land Lots 54 & 59 of the Fifth Land District of Rabun County, Georgia, and being Tract 6 consisting of 4.88 acres of Stonewall Creek Orchard as shown upon a plat of survey dated October 12, 1999, prepared by Samuel L. Duvall, Georgia Registered Land Surveyor No. 2295, said survey being recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 44, Page 157. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed a perpetual, non-exclusive easement for use, maintenance and repair of Apple Orchard Lane and Peach Orchard Way, each such road having a width of 30 feet, said roads being shown upon the above-referenced plat of survey, and said easement being for the purpose of access, ingress and egress to and from the above-described property. The above-described lands are conveyed subject to the following: 1. The terms, conditions, requirements and obligations of a road maintenance agreement attached as Exhibit “A” to that Warranty Deed recorded in Deed Book J-23, Pages 313-317, Clerk’s Office, Rabun Superior Court. 2. Restrictions, conditions, obligations and easements contained in that certain Declaration of Covenants and Restrictions for Stonewall Creek Orchard dated October 28, 1999 and recorded in the Office of the Clerk of Rabun Superior Court I Deed Book G-19, Page 176, as amended by an Amendment of Declaration of Covenants and Restrictions dated November 12, 1999 and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book H-19, Page 506, all of which shall constitute covenants running with said lands, as amended by an Amendment dated January 5, 2001 and recorded in Deed Book J-20, Page 462, as amended by an Amendment date April 6, 2001 and recorded in Deed Book S-20, Page 433 Rabun County, Georgia Records. Said covenants shall be binding upon the Grantee and the Grantee’s heirs, successors, and transferees and assigns. There is excepted from this conveyance the riparian rights of abutting and adjoining landowners in and to the waters of any stream crossing the above-described property. Property known as: 6 Peach Orchard 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. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. 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. Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Brian McCoy and Melissa McCoy. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Brian McCoy and Melissa McCoy. 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, Our File No. 12-06398

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IN THE PROBATE COURT COUNTY OF RABUN

STATE OF GEORGIA

IN RE: Estate of Patricia J. Bussiere, deceased, Estate No. 3827, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Regina L. Reid has petitioned to be appointed Administrator(s) of the estate of Patricia J. Bussiere, 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 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 5, 2012. All pleadings/objections must be signed under oath 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 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

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NOTICE OF SALE UNDER POWER, RABUN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Kenneth A Henslee to Mortgage Electronic Registration Systems, Inc. as nominee for Sunshine Mortage Corporation dated 3/15/2006 and recorded in Deed Book U29 Page 399, Rabun County, Georgia records; as last transferred to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, ASSET BACKED PASS-THROUGH CERTIFICATES SERIES 2006-CW1, conveying the after-described property to secure a Note in the original principal amount of $ 105,000.00, with interest at the rate specified 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 November, 2012 (November 06, 2012), the following described property: All that tract or parcel of land lying and being in Land Lot 117 of the Second Land District of Rabun County, Georgia consisting of 3.55 acres and being more fully described upon a plat of survey prepared by William F. Rolader, GRLS No. 2042, dated 8-23-95 and recorded in Plat Book 35, Page 128 of the Rabun County plat records. Said plat and the record thereof being incorporated herein by reference. There is also conveyed a perpetual non-exclusive easement over and across a joint driveway extending from the southwest corner of the above-described property along an existing road to the centerline of a community road. The location of the centerline of said road is more fully described upon the above-mentioned 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, 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 the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property is commonly known as 206 Po Folks Lane, Rabun Gap, GA 30568 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Monica M Henslee and Kenneth A Henslee or tenant or tenants. Bank of America is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines. Bank of America, Bank of America, N.A. 475 Crosspoint Parkway, Getzville, NY 14068, Telephone: 800-285-6000, Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. 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) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) 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 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 non-judicial 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 immediately above. HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, ASSET BACKED PASS-THROUGH CERTIFICATES SERIES 2006-CW1 as agent and Attorney in Fact for Kenneth A Henslee, Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-11,18,25,11-1

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IN THE PROBATE COURT

COUNTY OF RABUN, STATE OF GEORGIA

IN RE: Estate of Timothy Cecil Browning, deceased, Estate No. 3828, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Emma Jean Browning has petitioned to be appointed Administrator(s) of the estate of Timothy Cecil Browning, 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 5, 2012. All pleadings/objections must be signed under oath 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, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number 706-782-3614

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NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: The Estate of Sara Nickles Kennedy, c/o Melissa Martin, 332 Polly Reed Road, Center Point, AL 35215 & The Estate of Sara Nickles Kennedy, 1500 Bentley Lane, Marietta, GA 30067. 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, being more particularly described as Lot 366 on plat of James A. Long, RLS, recorded in Plat Book 9, page 360, Rabun County Records, subject to water rights easements of record and restrictive covenants of record. As described in Deed Book D5, Page 169. Further described as Map and Parcel 051C 650. will expire and be forever foreclosed and barred on and after the 26th day of November, 2012. The tax deed to which this notice relates is dated the 7th day of June, 2011, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book K-37 at Pages 126-127. The property may be redeemed at any time before the 26th day of November, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Carolyn Thompson; Janice Barnette & Ruth Goss, P.O. Box 484, Clayton, GA 30525, Phone: 706-782-4864. Please be governed accordingly. J. David Smith, Attorney, For Carolyn Thompson, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285

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NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: The Estate of Pauline C. Giampe, c/o Melissa Martin, 332 Polly Reed Road, Center Point, AL 35215 & The Estate of Pauline C. Giampe, 1500 Bentley Lane, Marietta, GA 30067. 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, being more particularly described as Lot 366 on plat of James A. Long, RLS, recorded in Plat Book 9, page 360, Rabun County Records, subject to water rights easements of record and restrictive covenants of record. As described in Deed Book D5, Page 169. Further described as Map and Parcel 051C 650. will expire and be forever foreclosed and barred on and after the 26th day of November, 2012. The tax deed to which this notice relates is dated the 7th day of June, 2011, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book K-37 at Pages 126-127. The property may be redeemed at any time before the 26th day of November, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Carolyn Thompson; Janice Barnette & Ruth Goss, P.O. Box 484, Clayton, GA 30525, Phone: 706-782-4864. Please be governed accordingly. J. David Smith, Attorney, For Carolyn Thompson, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285

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NOTICE (For Discharge from Office and all Liability)

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF D. Erik Kennedy FOR DISCHARGE AS Administrator OF THE ESTATE OF Brandon H. Wales, DECEASED.TO: all and singular the heirs of said decedent, and to whom it may concern: This is to notify you to file objections, if there is any, to the above referenced petition, in this Court on or before October 22, 2012. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting fort the grounds 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. Albert O. English, Judge, Pro Hac Vice, PROBATE JUDGE, 25 Courthouse Square, Suite 215, Clayton, GA 30525, (706) 782-3614

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IN THE PROBATE COURT

COUNTY OF RABUN, STATE OF GEORGIA

IN RE: ESTATE OF Madelin Lenore Moore, deceased, Estate No. 3829, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Laverne Moore has petitioned to be appointed Adminstrator of the estate of Madelin Lenore Moore, 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 an such objections, and must be filed with the court on or before November 12, 2012. All pleadings/objections must be signed under oath 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, 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614

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NOTICE (For Discharge from Office and all Liability)

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF Krystyna Gaglio for Discharge as Executor of the Estate of Paul James Gaglio, deceased. To 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 October 29, 2012. Be notified further: All objections to the petition must be in writing, setting forth the grounds 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, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number: 706-782-3614

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SUMMARY OF PROPOSED CONSTITUTIONAL AMENDMENTS

Pursuant to requirements of the Georgia Constitution, Attorney General Samuel S. Olens, Secretary of State Brian P. Kemp, and Legislative Counsel Wayne R. Allen hereby provide the summaries of the proposed constitutional amendments that will appear on the November 6, 2012, general election ballot for consideration by the people of Georgia (the short headings in bold print are the same as those assigned by the Constitutional Amendments Publication Board pursuant to O.C.G.A. Sec. 5012101): -1- Provides for improving student achievement and parental involvement through more public charter school options. House Resolution No. 1162, Ga. L. 2012, p. 1364, “YES( ) NO ( ) Shall the Constitution of Georgia be amended to allow state or local approval of public charter schools upon the request of local communities?" This proposal authorizes the General Assembly to provide by law for the creation of public state charter schools, which would operate under the terms of charters between the State Board of Education and charter petitioners, while preserving the authority of local boards of education to establish local charter schools. Specifically, the proposal clarifies the authority of the General Assembly to provide for statewide policies for public education prior to the college or postsecondary level, restates the authority of the General Assembly to establish special schools, prohibits the incurrence of bonded indebtedness or the levy of school taxes for the support of special schools without approval of the local board of education and the voters in the affected school system, provides that special schools may include public state charter schools, preserves the authority of local boards of education to establish local charter schools, authorizes the expenditure of state funds for special schools, and prohibits the deduction of certain state funds from local school districts as a direct result or consequence of the enrollment of students in state charter schools. The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for public state charter schools. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 1298, Sec. 1, and was enacted by 2012 HB 797, Act No. 766. A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection. - 2 - Allows the state to save taxpayer funds through multiyear real estate rental agreements. Senate Resolution No. 84 Ga. L. 2012, p. 1363 "( ) YES Shall the Constitution ( ) NO of Georgia be amended so as to provide for a reduction in the state's operating costs by allowing the General Assembly to authorize certain state agencies to enter into multiyear rental agreements?" This proposal authorizes the General Assembly to provide by law for the State Properties Commission, the Board of Regents of the University System of Georgia, and the Georgia Department of Labor to enter into rental agreements for the possession and use of real property without obligating present funds for the full amount of obligation the state may bear under the full term of any such rental agreement. Any such agreement shall provide for the termination of the agreement in the event of insufficient funds. The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for multiyear rental agreements for real property. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 989, and was enacted by 2012 SB 37, Act No. 717. A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.

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IN THE SUPERIOR COURT FOR THE COUNTY OF RABUN

STATE OF GEORGIA

James D. White, Susan M. White, Petitioner, CIVIL ACTION vs FILE NO. 2012-CV-0411-S, Margaret Chandler, And All The World, Defendants.

NOTICE. You are hereby notified that the above-styled action seeking to establish title to the property hereinafter described against Margaret Chandler and All The World was filed on the 8th day of October, 2012, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of an order for service by publication entered by said court on the 8th day of October ,2012, you are hereby commanded to be and appear at said court within thirty (30) days from the date of the order for service by publication to answer said petition and file pleadings before the court. The property involved is described as follows: All that tract or parcel of land lying and being in Land Lot 5, of the Second Land District, Rabun County, Georgia and being more particularly described as Lot 337, Unit 3, as depicted on survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 9, page 303, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, pages 437-446, Rabun County Records, and subsequent amendments of record thereto, and subject to water rights and easements of record. This is the same property conveyed to G. Edwin Chandler and Margaret C. Chandler by deed of Screamer Mountain Development, Inc., dated March 10, 1973 and recorded in the office of the Clerk of Rabun Superior Court in Book H-5, Folio 195. As described in Deed Book F-15, page 200. Further described as Map & Parcel 051C 624.

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IN THE SUPERIOR COURT FOR THE COUNTY OF RABUN

STATE OF GEORGIA

Woodrow W. Daniel, Jr., Paula C. Daniel, and Haywood Contracting Co., Inc. Petitioner. CIVIL ACTION vs FILE NO. 2012-CV-0412-C, All The World, Defendants

NOTICE, You are hereby notified that the above-styled action seeking to establish title to the property hereinafter described against All The World was filed on the 8th day of October, 2012, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of an order for service by publication entered by said court on the 8th day of October, 2012, you are hereby commanded to be and appear at said court within thirty (30) days from the date of the order for service by publication to answer said petition and file pleadings before the court. The property involved is described as follows: All that tract or parcel of land lying and being in Land Lot 75 of the Fifth Land District of Rabun County, Georgia, consisting of 0.06 acre and being more fully described upon that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated April 13, 2012m which is recorded in the office of the clerk of Rabun Superior Court in Plat Book 61, page 274. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described.

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IN THE PROBATE COURT

COUNTY OF RABUN, STATE OF GEORGIA

IN RE: ESTATE OF Pearl Mae Bollinger, deceased, Estate No. 3832, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Cathy Bollinger Miller has petitioned to be appointed Administrator of the estate of Pearl Mae Bollinger, 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, settting forth the grounds of any such objections, and must be filed with the court on or before November 12, 2012. All pleadings/objections must be signed under oath 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 Garrett, Probate Judge, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number: (706) 782-3614

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IN THE SUPERIOR COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE# 2012-CV-0415-C. IN RE: PETITION OF Patti Estes James

PUBLIC NOTICE

Notice is hereby given that Patti Estes James has filed a petition in the Superior Court of Rabun County on the 9th day October, 2012, for an order changing her name from Patti Estes James to Alice Patton Estes. Any interested or affected party may file objections to the petition within thirty days from the date filing said petition, else said Order shall be granted as prayed for. This 9th day of October, 2012. Holly E. Henry-Perry, Clerk of Superior Court, Rabun County, Georgia

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PUBLIC NOTICE

Upcoming appointment of Rabun County Board of Equalization

Notice is hereby given that, in accordance with OCGA 48-5-311, the Rabun County Grand Jury, July Term 2012, will appoint member(s) and/or alternate member(s) to the Board of Tax Equalization to serve terms beginning January 1, 2013. The Tax Equalization board hears taxpayers’ appeals from assessments and denials of homestead exemption in the taxation of real property. Any resident of Rabun County having the following qualifications and an interest in serving on the board may nominate himself or herself for appointment by submitting a nomination form as indicated below: Qualifications, Each person who is, in the judgment of the appointing grand jury, qualified and competent to serve as a grand juror, who is the owner of real property, and who is at least a high school graduate shall be qualified, competent, and compellable to serve as a member or alternate member of the board. No member of the governing authority of a county, municipality, or consolidated government; member of a county of independent board of education; member of the county board of tax assessors; employee of the county board of tax assessors; or county tax appraiser shall be competent to serve as a member or alternate member of the board of equalization. Within the first year after a member’s initial appointment to board of equalization, each member shall satisfactorily complete not less than 40 hours of instruction in appraisal and equalization processes and procedures, as prepared and required by the commissioner. The failure of any member to fulfill the requirements of this subparagraph shall render that member ineligible to serve on the board; and the vacancy created thereby shall be filled in the same manner as other vacancies on the board are filled. No person shall be eligible to hear an appeal as a member of a board of equalization unless, prior to hearing such appeal, that person shall satisfactorily complete the 40 hours of instruction in appraisal and equalization processes and procedures required by law. Any person appointed to such board shall be required to complete annually a continuing education requirement of at least eight hours of instruction in appraisal and equalization procedures, as prepared and required by the commissioner. The failure of any member to fulfill the requirements of this subparagraph shall render that member ineligible to serve on the board; and the vacancy created thereby shall be filled in the same manner as other vacancies on the board are filled. Term of Office: The term of service varies, depending upon whether the appointment is to an unexpired or full term. Full terms are three years beginning January 1, 2013. Nomination Form: If you are qualified, willing and able to serve, please contact Holly E. Henry-Perry, Rabun County Clerk of Court, at 25 Courthouse Square, Suite 105, Clayton, GA 30525 (706)782-3615 no later than Monday, December 17, 2012 at 5:00 PM, so that your interest may be considered, and to complete a nomination application. Holly E. Henry-Perry, Clerk of Superior Court, Rabun County, Georgia, 25 Courthouse Square, Suite 105, Clayton, GA 30525, 706-782-3615

10-18,25

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NOTICE OF INCORPORATION

Notice is hereby given that articles of incorporation which incorporate Better Alliance, Inc., have been delivered to the Georgia Secretary of State for filing in accordance with the Georgia Business Corporation Code. The original registered office of the corporation is located at 75 N. Main Street, Suite 241, Clayton, GA 30525 and its initial registered agent is Mark Schaeffer, whose office is located at 56 Perimeter Center East, Suite 450, Atlanta, GA 30328

10-18,25

IN THE SUPERIOR COURT FOR THE COUNTY OF RABUN

STATE OF GEORGIA

Susan Thomas Lurcock, Petitioner - CIVIL ACTION, vs FILE NO. 2012-CV-0413-C. Geneva Miller And All The World, Defendants. NOTICE. You are hereby notified that the above-styled action seeking to establish title to the property hereinafter described against Geneva Miller and All The World was filed on the 9th day of October, 2012, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of an order for service by publication entered by said court on the 9th day of October, 2012, you are hereby commanded to be and appear at said court within thirty (30) days from the date of the order for service by publication to answer said petition and file pleadings before the court. The property involved is described as follows: All that tract or parcel of land lying and being in Land Lot 5, of the Second Land District, Rabun County, Georgia and being more particularly described as Lot 340, Unit 3, as depicted on survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 9, page 303, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, pages 437-446, Rabun County Records, and subsequent amendments of record thereto, and subject to rights of neighbors to tap and pipe water from springs. As described in Deed Book C-5, page 582. Further described as Map & Parcel 051C 627.

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Public Notice

Rabun County Board of Education

The Rabun County School system offers the following career and technical education programs for all students regardless of race, color, national origin, including those with limited English proficiency, sex or disability in grades 9-12. Agricultural Education, Business/Marketing Education, Engineering & Technology, Healthcare Science. Persons seeking further information concerning the career and technical education offerings and specific pre-requisite criteria should contact: Mrs. Joi Woods, Career Technical Administrator, 230 Wildcat Hill Drive, Tiger, Ga. 30576, 706.782.4526. jwoods@rabun.k12.ga.us. Inquiries regarding nondiscrimination policies should be directed to: Rabun County Board of Education, 41 Education Street, Clayton, Ga. 30525

706.746.5376

10-18
Clayton Legals 10.18.12
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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to James Raymond Darnell, 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 27th day of September, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Barbara C. Darnell acting as Executrix of the James Raymond Darnell estate). Address: PO Box 833, Clayton, GA 30525, Telephone: 706-982-4408

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IN THE JUVENILE COURT OF RABUN COUNTY

STATE OF GEORGIA

In the Interest of: Karanaya Kollars, DOB: 01/29/97, Sex: female,

CASE NO.2012-JU-62-C, Child under age of eighteen.

NOTICE OF DEPRIVATION HEARING

TO: ARMANDO GRISSANO, putative/legal father of the above-named child. By order for Service by Publication dated the 17th of September, 2012, you are hereby notified that on the 10th day of September, 2012, the Rabun County Department of Family and Children Services, Georgia Department of Human Services, filed a Petition for Temporary Custody against you as to the above-named child alleging that the child is deprived. You are required to file with the Clerk of Juvenile Court, and to serve upon Special Assistant Attorney General Alfred Chang, an answer in writing within sixty (60) days of the date of the Order for Service by Publication. This Court will conduct a final hearing upon the allegations of the Petition for Temporary Custody (deprivation) against you on the 5th day of November, 2012, at 9:00 am at the Rabun County Courthouse, Clayton, Georgia. The child and other parties involved may be represented by a lawyer at all stages of these proceedings. If you want a lawyer, you may choose and hire your own lawyer. If you want to hire a lawyer, please contact your lawyer immediately. If you want a lawyer but are not able to hire a lawyer without undue financial hardship, you may ask for a lawyer to be appointed to represent you. The Court would inquire into your financial circumstances and if the Court finds you to be financially unable to hire a lawyer, then a lawyer will be appointed to represent you. If you want a lawyer appointed to represent you, you must let the Court or the officer of this Court handling this case know that you want a lawyer immediately. WITNESS, the Honorable Robert D. Cullifer, Judge of said Court, this the 17th day of September, 2012.

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Travis Wayne White, 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 1st day of October, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Gale Meacham White acting as Executrix of the Travis Wayne White estate.) Address: 136 Natures Summit Lane, Lakemont, GA 30552 Telephone: 706-212-0522

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Notice of Sale under Power

Georgia, Rabun County

Under and by virtue of the Power of Sale contained in a security deed given by Gerald D. Keener and Mary Frances Keener to 1st Franklin Financial Corporation dated February 11, 2000 recorded in deed book M19 pages 636-638 of the Rabun County, Georgia deed records, conveying the after described property to secure a note in the original principal balance of $21,739.50 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 November, 2012, the following described property: See Exhibit A, attached hereto and incorporated herein by reference for a full and complete description thereof. 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. To the best knowledge and belief of the undersigned, the party in possession of the property is Gerald D. Keener and Mary Frances Keener. Gerald D. Keener and Mary Frances Keener by their attorney in fact 1st Franklin Financial Corporation. Don Ferguson, Attorney for 1st Franklin Financial Corporation, PO Box 3105, Cleveland, GA. 30528 EXHIBIT “A” All that tract or parcel of land Lot 101 of the Second Land District of Rabun County, Georgia and being more particularly described as follows: Beginning at a point in the center of Wolfork Road, 230 feet from the centerline of Germany Road, thence North 73 degrees 02 minutes East 100.2 feet, thence North 78 degrees 03 minutes East 63.85 feet, thence North 86 degrees 42 minutes East 80 feet, thence North 87 degrees 41 minutes East 216.85 feet, thence South 5 degrees 10 minutes West 670.4 feet, thence South 81 degrees 15 minutes West 216 feet to a point in the center of Keener Creek, thence North 16 degrees 48 minutes West 82.4 feet, thence North 13 degrees 42 minutes West 105.7 feet, thence North 42 degrees 15 minutes West 97.35 feet, thence North 45 degrees 15 minutes West 155.25 feet to the intersection of the small branch and Keener Creek, thence along with the meanders of the small branch, North 2 degrees 59 minutes East 49.85 feet, thence North 0 degrees 52 minutes East 36.05 feet, thence North 62 degrees 46 minutes East 54.3 feet, thence North 23 degrees 36 minutes East 65 feet, thence North 1 degrees 57 Minutes East 70.2 feet, thence North 36 degrees 12 minutes West 25.25 feet, thence North 45 degrees 25 minutes West 29.95 feet to the point of beginning, containing 5.7 acres.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Janet S. Richmond and Robert A. Richmond to Ameriquest Mortgage Company dated January 14, 2006 in the amount of $228,200.00, and recorded in Deed Book N29, Page 1, Rabun County, Georgia Records; as last transferred to Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-R2 by assignment; the undersigned, Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-R2 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 November, 2012 , 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 58 of the Fifth Land District of Rabun County, Georgia, and being Lot 16, containing 2.66 acres and Lot 17 containing 3.17 acres, in Glassy Mountain Acres Subdivision, said property being more fully described according to that certain plat of survey dated "revised" August 5, 1987, and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor, No. 1837, said plat being recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 26, Page 177. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed a perpetual, non-exclusive easement over and across that certain 30-foot wide road known as Mountain View Trail, said road being more fully described upon the above-mentioned plat of survey. There is excepted the rights of others to use Mountain View Trail for the purpose of access, ingress and egress to and from all of the lots of Glassy Mountain Acres. There is excepted from this conveyance the easement rights reserved by Jimmy W. Blalock and Woodrow Blalock for use of a water collection area and the water system for Glassy Mountain Acres as stated in a Warranty Deed August 16, 1988, from Jimmy W. Blalock and Woodrow Blalock to Robert A. Richmond and Cynthia Ann Hoppe recorded in other Office of the Clerk of Rabun Superior Court in Deed Book P-11, Pages 650-654. This conveyance is made subject to the terms and conditions of a waterline and road maintenance agreement attached to a Warranty Deed from Jimmy W. Blalock and Woodrow Blalock to Robert A. Richmond and Cynthia Ann Hoppe dated August 15, 1988, and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book P-11, Pages 650-654. This conveyance is made subject to Restrictive Covenants recorded in the Office of the Clerk of Rabun Superior Court in Deed Book P-11, Pages 650-654. The above described property is also conveyed subject to that certain road affidavit as recorded in the Office of the Clerk of Rabun Superior Court in Deed Book I-10, Page 409. which has the property address of 624 Frontier Road, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). Said property will be sold as the property of Janet S. Richmond and Robert A. Richmond 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. Deutsche Bank National Trust Company, as Trustee for Ameriquest Mortgage Securities Inc., Asset-Backed Pass-Through Certificates, Series 2006-R2 Attorney in Fact for Janet S. Richmond and Robert A. Richmond McCurdy & Candler, L.L.C. (404) 373-1612 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.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by Elwood Samuel Shepard, III to Mortgage Electronic Registration Systems, Inc., dated February 1, 2008, recorded in Deed Book G33, Page 335, 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 V35, Page 24, Rabun County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-TWO THOUSAND FIVE HUNDRED EIGHTY AND 0/100 DOLLARS ($122,580.00), 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 November, 2012, 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., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. 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 Elwood Samuel Shephard III or a tenant or tenants and said property is more commonly known as 209 John Beck Dockins Road, Rabun Gap, Georgia 30568. 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. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you. 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 Elwood Samuel Shepard, III. McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 MR/lm7 11/6/12 Our file no. 53521509-FT11 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 129 of the Second Land District of Rabun County, Georgia consisting of 0.94 acres and being more fully described upon a survey dated November 2, 1993, prepared by William F Rolander, Georgia Registered Land Surveyor No. 2042. said survey being recorded in the Office of the Clerk of the Superior Court of Rabun County, Georgia in Plat Book 34. Page 112. Said survey is incorporated herein by reference for a total and complete description of the above described land. The above described land consists of all the lands conveyed by Thomas Fountain Jr. to Forrest Bryson by Warranty Deed dated June 13, 1969 and recorded in Book J-4, page 571, aforesaid records. MR/lm7 11/6/12 Our file no. 53521509 - FT11

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA, COUNTY OF RABUN.

On May 28, 2008, Joey Dobbs Construction, LLC executed a Deed to Secure Debt With Power of Sale to Stephens Federal Bank, securing a note of even date for One Hundred Nineteen Thousand and 00/100 Dollars ($119,000.00), said security deed being recorded in Deed Book S33, Pages 498-504, 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 Clayton, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in November, the same being November 6, 2012, the following described property: All those tracts or parcels of land lying and being in Land Lot 104 of the Second Land District of Rabun County, Georgia, and being designated as Tract 1, containing 0.97 acre, Tract 2 containing 0.36 acre, Tract 3 containing 0.44 acre and Tract 4 containing 0.74 acre as more fully described upon that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated August 27, 2007, which is recorded in the office of the Clerk of Rabun Superior Court in Plat 58-442. 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 above-described property, over and across those certain roads as shown upon the above-referenced plat of survey, which provides ingress and egress to and from said tracts from Wolffork Road. There is also conveyed herewith the easements described in those certain warranty deeds as follows: from Bert Bickerstaff to Barbara S. Simmons dated May 10, 1995, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-15, Page 206; that certain warranty deed from Anne Langley Peterson to Barbara S. Simmons dated July 10, 1995, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book U-15, Page 96; that certain warranty deed from Leaverne P. Brown to Barbara S. Simmons dated November 1, 1993, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book R-14, Page 26. This conveyance is made subject to the easements reserved in the above-described warranty deeds. The debt secured by said security deed and note has been and is hereby declared due and payable because of default for nonpayment 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 Joey Dobbs Construction, LLC 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 Joey Dobbs Construction, LLC. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is Stephens Federal Bank, 2859 Highway 17 Alt, Toccoa, Georgia 30577; 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 Stephens Federal Bank. Dated this 20th day of September, 2012. Stephens Federal Bank, Attorney-in-fact for Joey Dobbs Construction, LLC Sanders & Ranck, P.C. P. O. Box 1005 Toccoa, GA 30577 706-886-7533 Attorneys for Stephens Federal Bank

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA, COUNTY OF RABUN.

On March 14, 2008, Joey Dobbs Construction, LLC executed a Deed to Secure Debt With Power of Sale to Stephens Federal Bank, securing a note of even date for One Hundred Forty-Eight Thousand Five Hundred and 00/100 Dollars ($148,500.00), said security deed being recorded in Deed Book K33, Pages 270-277, 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 Clayton, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in November, the same being November 6, 2012, the following described property: All that tract or parcel of land lying and being in a part of Land Lot 104 of the Second Land District of Rabun County, Georgia, and being 0.38 acre as described upon a plat of survey dated September 30, 1986 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 23, Page 171. Said survey is incorporated herein by reference for a full and complete description of the above described lands. The above described lands are the same lands described in a deed from Bertrand C. Mills and Marjorie E. Mills to David L. Wheatley and Gwendolyn B. Wheatley in Deed Book Q-11, Page 49. Grantors also convey to Grantees a non-exclusive right of ingress and egress over Coleman Road as shown on said plat to and from said lot to the public road. Said Coleman Road is private road 20 feet wide, expressly reserving rights of others and for Carlton Coleman and his heirs and assigns to use said road and to convey similar road rights to others. Also, conveyed herein are those certain water rights which are more fully described in that certain deed from W. H. Mitchell, Jr. to Frank A. Dwyer and Kay E. Dwyer dated May 20, 1983, which is recorded in the office of the Clerk of Rabun Superior Court in Deed Book P-8, Page 671. This conveyance of water rights is also subject to the conditions that they will be used for household purposes on the above-described real property and the Grantees herein shall pay to Carlton Coleman and Marjorie Coleman, their heirs, successors and assigns $36.00 per year for maintenance of said water system. Said lot is conveyed subject to restrictive covenants contained in a warranty deed from Carlton Coleman and Marjorie Coleman to W.H. Mitchell, Jr. dated December 17, 1981 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book D-8, Page 431. There is also conveyed the right to use that certain common driveway extending from Coleman Road to the above-described property. Said driveway extends over and across other lands of W.H. Mitchell, Jr. lying adjacent to the above-described property. The right to use said driveway shall be a non-exclusive right and shall inure to the benefit of the Grantees, their heirs, successors and assigns and shall be an easement appurtenant to the above-described property. There is reserved from the above-described property the right of W.H. Mitchell, Jr. to use any portion of said common driveway as it extends over the above-described lands. Said right shall inure to the benefit of W.H. Mitchell, Jr., his heirs, successors and assigns. Being same lands and rights described in a deed from Frank A. Dwyer and Kay E. Dwyer to Certain C. Mills and Marjorie E. Mills, recorded in Rabun County, Georgia Deed Records in Deed Book A-11, Page 184. The debt secured by said security deed and note has been and is hereby declared due and payable because of default for nonpayment 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 Joey Dobbs Construction, LLC 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 Joey Dobbs Construction, LLC. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is Stephens Federal Bank, 2859 Highway 17 Alt, Toccoa, Georgia 30577; 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 Stephens Federal Bank. Dated this 20th day of September, 2012. Stephens Federal Bank, Attorney-in-fact for Joey Dobbs Construction, LLC Sanders & Ranck, P.C., P. O. Box 1005 Toccoa, GA 30577 706-886-7533, Attorneys for Stephens Federal Bank

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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 Douglas Allen Hopper, Jr. and Dowana G. Hopper to Community Bank & Trust dated April 23, 2008, recorded among Rabun County, Georgia Records in Deed Book P33, Page 135, 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 November, 2012 by SCBT d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Douglas Allen Hopper, Jr. and Dowana G. Hopper the following described property: All that tract or parcel of land lying and being in land Lot 122 of the Second Land District of Rabun County, Georgia and being 8.50 acres as described upon a plat of survey dated April 17, 2008, 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 59, Page 177. Said survey is incorporated herein by reference for a full and complete description of the above described lands. There is also conveyed a perpetual, non-exclusive easement over and across an existing soil road extending from the Southerly right-of-way of Wolfford Road over and across the adjacent lands of the Grantors to the Northeast corner of the above-described property, the exact location of said soil road being more fully shown upon a plat of survey recorded in the office of the Clerk of Rabun Superior Court in Plat Book 42, Page 258 and said survey is incorporated herein by reference for a full and complete description of the location of said easement. 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. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is SCBT d/b/a CBT, a Division of SCBT, 448 North Main Street, Cornelia, Georgia, 30531; phone number 706-776-5107. To the best of the undersigned's knowledge and belief, the parties in possession are Douglas Allen Hopper, Jr. and Dowana G. Hopper 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 d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Douglas Allen Hopper, Jr. and Dowana G. Hopper. 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

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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 Justin Tyson to Mortgage Electronic Registration Systems, Inc. dated January 15, 2008, and recorded in Deed Book D33, Page 388, Rabun County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, NA by Assignment, securing a Note in the original principal amount of $126,800.00, 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, November 6, 2012, 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 22 of the Fifth Land District of Rabun County, Georgia, and being Lot 1-H containing 0.76 acre as more particularly described according to that certain plat of survey dated December 21, 1986, prepared by William F. Rolader, Georgia Registered Surveyor No. 2042, said plat being recorded in Plat Book 24, page 102, in the office of the Clerk of Rabun Superior Court, reference to said plat being for the express purpose of incorporating its description herein. Said property is known as 407 Joe Davis Road, Tiger, GA 30576, 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 proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. 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 secured creditor. The property is or may be in the possession of Justin Tyson, successor in interest or tenant(s). Wells Fargo Bank, NA as Attorney-in-Fact for Justin Tyson. File no. 12-031956 SHAPIRO & SWERTFEGER, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100 Atlanta, GA 30341-3941 (770) 220-2535/KB. THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

Georgia, Rabun County

By virtue of a power of sale contained in the Declaration of Covenants, Conditions and Restrictions of Tanglewood Condominium Association, Inc. as amended, of file and record in DB O-7, Pages 335-369 and DB S-19, Pages 18-21, in the office of the Clerk of Rabun Superior Court, and said amended Declaration providing for the assessment, payment and collection of certain maintenance fees and other charges due said Association by the following owners with attorney’s fees, late charges and interest, and said charges being past due and unpaid, demand having been made by certified mail and payment refused, there will be sold by the undersigned at public outcry to the highest bidder for cash before the courthouse door in the City of Clayton, Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November 2012, the following described property of the following owners: Certain Interval Time Share Unit Weeks and all rights, title and interest pertaining thereto in Tanglewood Condominium Association, Inc. and the improved real property known as Tanglewood Condominiums located in the City of Sky Valley and being more fully described in a plat of survey recorded in the office of said Clerk in Condominium Plat Book 1, Pages 262-263, the same being sold as the property of the following named owners: Tammy Butts, Luther E. & Barbara Jean Hales, 161 Pitts Road, Gray, GA 31032, Unit G, Week 46; David DeGrange, PO Box 550041, Fort Lauderdale, FL 33355, Unit F, Week 28; William A. & Shirley D. Fletcher, 2985 Glen Haven Drive, Gainesville, GA  30501, Unit E, Week 44;  Howard Hamilton, 1807 Glen Valley Drive, Irving, TX 75061, Unit F, Week 50; Steve Levy, PO Box 865, Williamsburg, VA 23185, Unit C, Week 20; Premier Acquisition Management, LLC, Attn: M.A. Rogers, 7451 Warner Avenue, Suite E-200, Huntington Beach, CA 92647, Unit F, Week 52; Herman C. & Frances L. Metzig, 13640 Brass Parkway, Rosemount, MN 55068, Unit A, Week 32; J.I. Montgomery, Blue Ridge Lane, PO Box R, Mountain City, GA 30562, Unit I, Week 34; Daniel F. Pursel, 2224 NE 17th. Terrace, Fort Lauderdale, FL 33305, Unit C, Week 06; Harriett Shivik & Randall E. McElreath, 1140 Vineyard Drive, Conyers, GA 30208, Unit A, Week 04; Henry & Martha Ann Sims, 226 Mohawk St, Waterloo, IA 50703, Unit B, Week 20; and Judy Sandefur Sutton, 133 Carolina Avenue, Macon, GA 31204, Unit G, Week 45. The said indebtedness has been and is hereby declared in default by reason of non-payment of said charges and assessments by the above-named debtors. The debts remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees. Said property will be sold as the property of the named debtors subject to outstanding ad valorem taxes, assessments, prior liens, encumbrances, easements, restrictions or security instruments of record, if any, having priority over the indebtedness described herein. Seller will provide deeds under power of sale to the purchasers. THIS IS AN ATTEMPT BY THE UNDERSIGNED TO COLLECT SAID INDEBTEDNESS; ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. A.M. Wilkinson, Jr., Attorney Tanglewood Condo. Association, Inc. 66 Demorest Lane, #333 as Attorney in Fact for the above-named debtors Sky Valley, GA 30537 by A.M. Wilkinson, Jr., President

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IN THE PROBATE COURT, COUNTY OF RABUN

STATE OF GEORGIA

IN RE: ESTATE OF MARY KATHRYN EASTERLING, Deceased, Estate No. 3825, Petition to Probate Will in Solemn Form. NOTICE, AN ORDER FOR SERVICE WAS GRANTED BY THIS COURT ON October 3, 2012, REQUIRING THE FOLLOWING: TO: any possible unknown heirs. This is to notify you to file objection, if there is any, to the above referenced petition, in this Court on or before November 5, 2012. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds 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, Clerk of the Probate Court, 25 Courthouse Square, Suite 215, Clayton, GA 30525, 706-782-3614

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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 Doug Hopper to Community Bank & Trust dated February 9, 2009, recorded among Rabun County, Georgia Records in Deed Book P34, Page 332, 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 November, 2012 by SCBT d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Doug Hopper the following described property: All that tract or parcel of land lying and being in Land Lot 7 of the Fifth Land District of Rabun County, Georgia and being more particularly described as 1.41 acre tract of land as depicted on a plat of survey dated November 15, 1999 and prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042. Said plat is of record in Plat Book 58, Page 251 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 1.41 acre tract of land as depicted thereon. 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. The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is SCBT d/b/a CBT, a Division of SCBT, 448 North Main Street, Cornelia, Georgia, 30531; phone number 706-776-5107. To the best of the undersigned's knowledge and belief, the parties in possession are Doug Hopper Sr., Douglas Allen Hopper Jr. and Dowana Hopper 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 d/b/a CBT, a Division of SCBT, f/k/a SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Doug Hopper. 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

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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 K Smith and Michael L Smith to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated August 25, 2008 in the amount of $180,000.00, and recorded in Deed Book C34, Page 518, 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 November, 2012 , 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 118 of the Second Land District of Rabun County, Georgia and consisting of 1.16 acres as more particularly described upon that certain plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor No. 1837, dated October 6, 1997, revised October 21, 1997 and recorded in Plat Book 38, Page 241, 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. There is depicted upon the above-referenced plat of survey a ten foot (10`) wide gravel drive that extends in a Southeasterly direction from York House Road, a public road, and enters said 1.16 acre tract near the Westernmost corner of same. Conveyed herewith is a perpetual, non-exclusive road Right-of-Way easement over and across said ten foot (10`) wide gravel drive for the purpose of ingress and egress from and to the 1.16 acre tract, to and from York House Road, a public road. Further, the above-described property is conveyed subject to that portion of same lying and being within said ten foot (10`) wide gravel drive and the rights of others to use said road.In addition, the aforementioned plat of survey depicts a well that is located South 70 degrees 13 minutes East a distance of 92.6 feet from the Easternmost corner of the above-described 1.16 acre tract of land. Said well provides water to the subject property as well as to other properties. Conveyed herewith is a perpetual, non-exclusive easement for the use of said well. NOTE: Said well is located upon adjacent property being now or formerly owned by Anthony W. Wall and Linda F. Wall and the rights for the use of said well are more particularly described in those certain warranty deeds recorded in Deed Book I-17, Page 87 and Deed Book B-18, Page 471, Clerk`s office, Rabun Superior Court. which has the property address of 34 Stella Lane, Rabun Gap, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). Said property will be sold as the property of Linda K Smith and Michael L Smith 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 K Smith and Michael L Smith. McCurdy & Candler, L.L.C. (404) 373-1612 File No. 12-06350 /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.

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NOTICE OF SALE UNDER POWER,

RABUN COUNTY

Pursuant to the Power of  Sale contained in a Security Deed given by Vicki C Lovell to Mortgage Electronic Registration Systems, Inc., as nominee for Oceanside Mortgage Company dated 5/15/2009 and recorded in Deed Book C35 Page 308, Rabun County, Georgia records; as last transferred to Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 164,150.00, with interest at the rate specified 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 November , 2012 (November 06, 2012), the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 4 OF THE FIFTH LAND DISTRICT OF RABUN COUNTY, GEORGIA, AND BEING DESIGNATED AS LOT 2 OF AMY SUBDIVISION CONTAINING 2.31 ACRES AS SHOWN UPON THE PLAT OF SURVEY BY T. LAMAR EDWARDS, GEORGIA REGISTERED SURVEYOR NO. 1837, RECORDED IN PLAT BOOK 13, PAGE 103, IN THE OFFICE OF THE CLERK OF 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. PARCEL NUMBER(S): 044D 012 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 the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property is commonly known as 1555 E Boggs Mountain Road, Tiger, GA 30576 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Vicki C Lovell or tenant or tenants. Wells Fargo Bank, NA is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines. Wells Fargo Bank, NA Loss Mitigation 3476 Stateview Boulevard Fort Mill, SC  29715 1-800-662-5014 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. 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) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) 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 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 non-judicial 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 immediately above. Wells Fargo Bank, NA as agent and Attorney in Fact for Vicki C Lovell, Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Under and by virtue of the Power of Sale contained in a Security Deed given by Thor Anderson to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR FREMONT INVESTMENT & LOAN, dated September 18, 2006, recorded in Deed Book W30, Page 40, Rabun County, Georgia records, as last transferred to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D by assignment recorded or to be recorded, Rabun County, Georgia records conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-EIGHT THOUSAND, SEVEN HUNDRED TWENTY AND NO/100 DOLLARS ($138,720.00); 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 November, 2012 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 TRACT C, CONSISTING OF 0.51 ACRE AS DESCRIBED UPON PLAT OF SURVEY DATED JANUARY 23, 2003, PREPARED BY WILLIAM F. ROLADER, GEORGIA REGISTERED LAND SURVEYOR NO. 2042, SAID SURVEY BEING RECORDED IN THE OFFICE OF THE CLERK OF THE SUPERIOR COURT OF RABUN COUNTY, GEORGIA IN PLAT BOOK 48, PAGE 241. SAID SURVEY IS INCORPORATED HEREIN BY REFERENCE FOR A FULL AND COMPLETE DESCRIPTION OF THE ABOVE DESCRIBED LANDS. THERE IS ALSO CONVEYED A PERPETUAL, NON-EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR THAT CERTAIN ROAD SIXTEEN (16) FEET IN WIDTH EXTENDING FROM MERRYDALE ROAD TOGETHER WITH A PERPETUAL, NON EXCLUSIVE EASEMENT TO USE MAINTAIN AND REPAIR A CULDESAC HAVING A RADIUS OF TWENTY (20) FEET, SAID ROAD AND CULD\ESAC BEING SHOWN UPON THE ABOVE REFERENCED PLAT OF SURVEY, SAID EASEMENT SHALL BE FOR THE PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT C AND BE AN EASEMENT APPURTENANT TO TRACT C AND SHALL INURE TO THE BENEFIT OF THE OWNERS OF TRACTS C, THEIR HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS. THE GRANTOR RESERVES THE RIGHT FOR HIMSELF, HIS HEIRS, SUCCESSORS, TRANSFEREES AND ASSIGNS, TO USE MAINTAIN AND REPAIR THE ABOVE DESCRIBED ROAD AND CULDESAC FOR PURPOSES OF ACCESS, INGRESS AND EGRESS TO AND FROM TRACT A AND TRACT B AS 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, 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: Ocwen Loan Servicing LLC, Attention: Home Retention Department, 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, Fax 407-737-5693. 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 parties in possession of the property are Thor Anderson or a tenant or tenants and said property is more commonly known as 218 Merrydale Ln, Clayton, GA 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. HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR FREMONT HOME LOAN TRUST 2006-D, MORTGAGE-BACKED CERTIFICATES, SERIES 2006-D As Attorney in Fact for Thor Anderson. Weissman, Nowack, Curry & Wilco, PC Attn: Ocwen Team One Alliance Center 3500 Lenox Road Atlanta, GA 30326 Our File# 013142

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GEORGIA RABUN COUNTY
NOTICE OF SALE UNDER POWER OF SECURITY DEED

By virtue of a Power of Sale contained in a security deed from FRANCES K. BIRD and DIANNA G. BOYKIN to MOUNTAIN HERITAGE BANK dated MAY 17, 2005 and recorded in Deed Book D-28, pages 57-65 of the Rabun County deed records given to secure a promissory note in the amount of ONE HUNDRED THIRTY TWO THOUSAND FIFTY and 00/100 Dollars ($132,050.00), 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 November, to-wit: November 6, 2012, 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 42, Phase I of The Ridges of Rabun, containing 2.539 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 42 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 FRANCES K. BIRD and DIANNA G. BOYKIN subject to (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 James Josef Dills and Jennifer Lynn Dills are 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: FRANCES K. BIRD and DIANNA G. BOYKIN by certified mail, return receipt requested on October 4, 2012 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 FRANCES K. BIRD and DIANNA G. BOYKIN. This is an action to collect a debt and any information obtained pursuant thereto will be used for that purpose. Bruce Russell, Jr., Esq. RUSSELL & RUSSELL, PC. P.O. BOX 1202 CLAYTON, GA 30525 (706) 782-6240

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to SUSAN MARTHA WEINER, 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 3 day of October, 2012. Witness my/our hand(s) and seal(s), on the day above written. (J. David Smith acting as Administrator of the Susan Martha Weiner estate.) Address: 17 Chechero Street, Clayton, GA 30525, Telephone: 706-782-4285

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to FRANKLIN WALTER BEACHAM, 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 4 day of October, 2012. Witness my/our hand(s) and seal(s), on the day above written. (Lillian Diane Jackson acting as Executrix of the Franklin Walter Beacham estate.) Address: 504 Richardson St. Simpsonville, SC 29761, Telephone: 864-640-7619

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NOTICE OF SALE UNDER POWER

By virtue of the power of sale contained in a Deed to Secure Debt by CALVIN WEBB and MARY WEBB to ABN Amro Mortgage Group, Inc., dated May 9, 2007 and filed for record May 14, 2007 in Deed Book A32, Page 117, Rabun County, Georgia records, and securing a Note in the original principal amount of $430,000.00; 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 November, 2012, by CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. as Attorney-in-Fact for CALVIN WEBB and MARY WEBB the following property to-wit:

ALL THAT TRACT OR PARCEL OF LAND lying and being in Land Lots 175, 176 & 190 of the Second Land District of Rabun County, Georgia, and being designated as Lot 5 of Wyngate at Dillard, containing 5.64 acres as more fully described on that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated May 8, 2007, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat File 58-295. 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 that certain Declaration of Restrictive Covenants for Wynngate at Dillard dated October 26, 2000, which is recorded in the Office of the Clerk of Rabun Superior Court in Deed Book F-20, Page 167, and that certain First Amendment dated April 25, 2001, which recorded in the Office of the Clerk of Rabun Superior Court in Deed Book U-20, Page 322 and that certain Second Amendment of Declaration of Covenants and Restrictions for Wynngate at Dillard dated January 31, 2003, and recorded in Deed Book T-23, Page 57, Clerk`s Office, Rabun Superior Court, and any and all amendments or modifications thereto of record. This conveyance is made subject to easements for roads or utilities not of record but in visible use and existing, zoning regulations or other regulations imposed by governmental authority and a lien for real estate taxes not yet due and payable. There is also conveyed herewith a perpetual non-exclusive easement of ingress and egress to and from the above-described property over and across the subdivision roads shown upon the above referenced plat of survey to and from Ledford Road, a public road, as depicted on said survey. The above-described property is conveyed subject to those certain easement rights of others as contained in that certain Warranty Deed dated September 26, 2006, recorded in Deed Book B-31, Page 517, Clerk`s Office, Rabun Superior Court, with the specific EXCLUSION of certain ingress and egress rights as also contained in said deed. The property conveyed herein is subject to that portion of same lying and being within the right-of-way or bounds of Ledford Road, a public road as same is shown upon the above referenced plat of survey. The above described property is conveyed together with and subject to any other rights and easements of record or actually existing upon said property. The above described property is also known as 726 LEDFORD ROAD, 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 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. 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: CitiMortgage, Inc. 5280 Corporate Drive, Attn: Default Mail Services, Frederick, MD 21703, Phone: HAT Program: 866-272-4749 Fax: 866-989-2089 or 866-989-2088. The foregoing notwithstanding, nothing in O.C.G.A. § 44-14-162.2 shall be construed to require CitiMortgage, Inc. to negotiate, amend or modify the terms of the Deed to Secure Debt described herein. CitiMortgage, Inc., successor by merger to ABN AMRO Mortgage Group, Inc. as Attorney-in-Fact for CALVIN WEBB and MARY WEBB. SHUPING, MORSE & ROSS, L.L.P., By: S. Andrew Shuping, Jr., 6259 Riverdale Road, Suite 100, Riverdale, GA 30274, 770-991-0000. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from Charles P. Hudson and Elizabeth S. Hudson to Regions Bank d/b/a Regions Mortgage, dated August 23, 2007, recorded August 30, 2007, in Deed Book O-32, Page 583, Rabun County, Georgia Records, said Security Deed having been given to secure a Note of even date in the principal amount of FOUR HUNDRED SEVENTEEN THOUSAND DOLLARS AND NO CENTS ($417,000.00), with interest thereon as provided for 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 November 2012 by the secured creditor, Regions Bank d/b/a Regions Mortgage, as Attorney in Fact for Charles P. Hudson and Elizabeth S. Hudson, 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 24 and 25 of the 4th Land District of Rabun County, Georgia, and being all of Lot No. 101, Block HH of Kingwood Estates and consisting of 0.59 acres more or less, as shown on that plat of the survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated November 6, 2006, and recorded in Plat Records 58-29 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 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. Said property being known as 349 Lancelot Loop, Clayton, GA 30525 according to the present numbering system in Rabun County. 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; 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 Charles P. Hudson and Elizabeth S. Hudson or tenant(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. The name of the person or entity who has the full authority to negotiate, amend, and modify all terms of the mortgage is: Regions Bank d/b/a Regions Mortgage, 215 Forrest Street, Hattiesburg, MS 39401 TEL (800) 748-9498. THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The Geheren Firm, P.C., 4828 Ashford Dunwoody Road, 2nd Floor, Atlanta, GA 30338 TEL (678) 587-9500.

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NOTICE OF SALE UNDER

POWER IN SECURITY DEED

Our File No. 12-602 G E O R G I A, RABUN COUNTY

Under and by virtue of the power of sale contained in a Deed to Secure Debt given by William J. Armstrong to STEPHENS FEDERAL BANK dated November 16, 2007, and recorded in Deed Book Y-32, Pages 136-152, Rabun County, Georgia Public Records, and an Assignment to Secure Debt dated November 16, 2007, and recorded in Deed Book Y-32, page 153, Rabun County, Georgia Public Records, and a Renewal Loan Agreement dated September 21, 2009 and recorded in Deed Book M35, pages 622-624, Rabun County, Georgia Records, conveying the after described property to secure a note dated November 16, 2007, modified on September 21, 2009 and modified on January 24, 2012 in the original principal amount of TWO MILLION SIX HUNDRED FIFTEEN AND 00/100 DOLLARS ($2,615,000.00), 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 November, 2012, the same being November 6, 2012, the following described property. All of the Grantor's leasehold interest in all the Grantor's improvements located in all that tract or parcel of land lying and being in Land Lot 95 of the Fifth Land District of Rabun County, Georgia, and being Georgia Power Company Lease Lot 383 in Area 17 of Lake Burton Recreational Development, consisting of 2.47 acres being more fully described upon a plat of survey prepared by T. Lamar Edwards, Georgia Registered Land Surveyor, No. 1837, dated August 12, 1997, and recorded in the office of the clerk of Rabun Superior Court in Plat Book 39, page 230. Said survey is incorporated herein by reference for a full and complete description of the property. There is also conveyed herewith all improvements, buildings and structures located on the above-described Georgia Power Lease Lot. There is also conveyed herewith those certain easements which are more fully described in that certain lease agreement between Georgia Power Company and William J. Armstrong dated September 3, 1997. 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: STEPHENS FEDERAL BANK located at 221 Hwy 76 E, Clayton, Georgia 30525, 706-782-3738. 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 parties in possession of the property are William J. Armstrong and/or any tenant or tenants in possession and said property is located on 70 Alachee Lane, Tiger, GA 30576 and being Rabun County Tax Parcel # LB14 115L. 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 28th day of September, 2012. STEPHENS FEDERAL BANK, as AttorneyinFact for William J. Armstrong under Power of Sale contained in Security Deed recorded in Deed Book Y-32, page(s) 136-152, Rabun County, Georgia Records. J. DAVID SMITH, LLC, Attorney for STEPHENS FEDERAL 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.

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NOTICE OF SALE UNDER POWER

GEORGIA, RABUN COUNTY

By virtue of a Power of Sale contained in that certain Deed to Secure Debt and Security Agreement from Clarence N. Daws to First Citizens Bank and Trust Company, Inc. (by virtue of that certain Assignment of Security Deed and Related Security Instruments Without Recourse (Georgia), filed and recorded March 17, 2011 in Deed Book B37, Page 588, RABUN COUNTY, Georgia Records, assignee of the Federal Deposit Insurance Corporation in receivership of Georgian Bank) (“First Citizens”), dated March 31, 2009, filed and recorded April 23, 2009 in Deed Book W34, Page 608, Rabun County, Georgia Records (as amended, modified, or revised from time to time, “Security Deed”), said Security Deed having been given to secure a note in the original principal amount of THREE HUNDRED THOUSAND AND 00/100THS DOLLARS ($300,000.00) (as amended, modified, or revised from time to time, the “Note”) with interest thereon as provided for 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 for sale on the first Tuesday in November, 2012, all property described in said Security Deed, including, but not limited to, declarant's rights, if any, and, without limitation, the following described property (or so much thereof as has not, as of said first Tuesday, by duly executed and recorded instrument, previously been released from the lien of the Security Deed): TRACT I, ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 114 OF THE 5TH DISTRICT, RABUN COUNTY, GEORGIA, DESIGNATED AS LOT 12, DURDEN SUBDIVISION, CONTAINING 0.19 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY PREPARED BY NEWMAN AND COMPANY BY T. LAMAR EDWARDS, R.S., UNDER DATE OF JANUARY 17, 1977, RECORDED IN PLAT BOOK 13, PAGE 87, RABUN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE THERETO. TRACT II, ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 114 OF THE 5TH DISTRICT, RABUN COUNTY, GEORGIA, DESIGNATED AS LOT 9 OF THE DURDEN SUBDIVISION, CONTAINING 5.10 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY PREPARED BY NEWMAN AND COMPANY BY T. LAMAR EDWARDS, R.S., UNDER DATE OF JANUARY 17, 1977, RECORDED IN PLAT BOOK 13, PAGE 87, RABUN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE THERETO. 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 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 inspection of the property; any outstanding taxes, including, but not limited to, ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights of way, 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 Clarence N. Daws or tenant(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the United States Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. First Citizens and its counsel are acting as debt collectors. Any information obtained will be used for that purpose. First Citizens as Attorney-in-Fact for Clarence N. Daws, Contact: Guillermo Todd, Esq., Busch, Slipakoff & Schuh, LLP, 3330 Cumberland Boulevard, Suite 300, Atlanta, Georgia 30339, Telephone (770) 790-3550

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from SHIRLEY JANE HENRY to UNITED COMMUNITY BANK RABUN COUNTY N/K/A UNITED COMMUNITY BANK, dated January 22, 2002, recorded January 22, 2002, in Deed Book Y-21, Page 550, Rabun County, Georgia records, as modified by Modification of Security Deed dated June 24, 2008, recorded in Deed Book X-33, Page 265, Rabun County, Georgia records, said Security Deed being given to secure a Note from SHIRLEY JANE HENRY dated June 24, 2008, in the original principal amount of Twenty Six Thousand Five Hundred Fifty Four and 07/100 ($26,554.07) Dollars, as modified, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property: TRACT A: All that tract or parcel of land lying and being in Land Lot 79 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 October 4, 2001 and prepared by William J. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is designated on said plat of survey as Tract 2 containing 0.39 acres. Said plat is of record in Plat Book 47, Page 2 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 2 containing 0.39 acres as depicted thereon. NOTE: Said plat shows Colchester Lane, that runs along the southwesterly line of Tract 1. Colchester Lane runs in a northwesterly direction from the northwest corner of Tract 1 to Blacks Creek Road, a public road. As shown on said plat, Colchester Lane runs across Tract 2 and Tract 4 and back into Tract 1, where said road terminates. There is a newly constructed road that is not shown on said plat, that intersects with Colchester Lane at a location north of the well on Tract 1 and that extends in a southeasterly and thence southerly direction from said intersection and across Tract 1 and thence, across the southwest corner of Tract 3 and thence into Tract 4, where said newly constructed road terminates. NOTE: The Grantor HEREBY RESERVES for himself, his heirs and assigns a perpetual, non-exclusive road right of way easement over and across all of said above described roads for the purpose of providing road access to and from all four (4) tracts of land that are shown on said above referenced plat of survey with Blacks Creek Road, a public road. ALSO CONVEYED as an easement appurtenant to the above described tract or parcel of land is a perpetual, non-exclusive road right of way easement over and across all roads that lead from the same and that extend to Blacks Creek Road for the purpose of providing ingress to and egress from said above described tract of land with Blacks Creek Road. Said above described tract or parcel of land is conveyed subject to all roads, utilities and waterlines that cross the same, an easement being hereby reserved for said roads, utilities and waterlines. TRACT B: All that tract or parcel of land lying and being in Land Lot 79 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 October 4, 2001 and prepared by William J. Rolader, Georgia Registered Land Surveyor Number 2042. The real property being hereby conveyed is designated on said plat of survey as Tract 3 containing 0.93 acres. Said plat is of record in Plat Book 47, Page 2 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 3 containing 0.93 acres as depicted thereon. NOTE: Said plat shows Colchester Lane, that runs along the southwesterly line of Tract 1. Colchester Lane runs in a northwesterly direction from the northwest corner of Tract 1 to Blacks Creek Road, a public road. As shown on said plat, Colchester Lane runs across Tract 2 and Tract 4 and back into Tract 1, where said road terminates. There is a newly constructed road that is not shown on said plat, that intersects with Colchester Lane at a location north of the well on Tract 1 and that extends in a southeasterly and thence southerly direction from said intersection and across Tract I and thence, across the southwest corner of Tract 3 and thence into Tract 4, where said newly constructed road terminates. NOTE: The Grantor HEREBY RESERVES for himself, his heirs and assigns a perpetual, non-exclusive road right of way easement over and across all of said above described roads for the purpose of providing road access to and from all four (4) tracts of land that are shown on said above referenced plat of survey with Blacks Creek Road, a public road. ALSO CONVEYED as an easement appurtenant to the above described tract or parcel of land is a perpetual, non-exclusive road right of way easement over and across all roads that lead from the same and that extend to Blacks Creek Road for the purpose of providing ingress to and egress from said above described tract of land, with Blacks Creek Road. Said above described tract or parcel of land is conveyed subject to all roads, utilities and waterlines that cross the same, an easement being hereby reserved for said roads, utilities and waterlines. Included herewith is a 1971 Vintage Mobile Home, VIN #VM770. 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 the 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, easements, 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 SHIRLEY JANE HENRY or a tenant or tenants. UNITED COMMUNITY BANK RABUN COUNTY N/K/A UNITED COMMUNITY BANK, as attorney in Fact for SHIRLEY JANE HENRY, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923, File No. 7484A-03368, THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from BRIAN ODES STANCIL AND CHRISTY STANCIL to UNITED COMMUNITY BANK, dated August 17, 2007, recorded August 17, 2007, in Deed Book N-32, Page 179, Rabun County, Georgia records, as last modified by Modification of Security Deed dated January 6, 2012, recorded in Deed Book B-38, Page 83, Rabun County, Georgia records, said Security Deed being given to secure a Note from BRIAN ODES STANCIL and CHRISTY STANCIL dated January 6, 2012, in the original principal amount of Fifty One Thousand Nine Hundred Seventy Eight and 96/100 ($51,978.96) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property: All that tract or parcel of land lying and being in Land Lot 6 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 conveyed, reference is hereby had and made to a plat of survey dated September 24, 1996 and prepared by Peter J. Pietraszuk, Georgia Registered Land Surveyor No. 2262. The real property being hereby Conveyed is a 3.00 acre tract of land. Said plat is of record in Plat Book 35, Page 308 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 3.00 acre tract of land as depicted thereon. There is also conveyed all of the easement rights contained in that certain easement dated October 11, 1996 and recorded in the office of the Clerk of Rabun Superior Court in Deed Book S-16, Page 465. 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 the 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, easements, 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 BRIAN ODES STANCIL AND CHRISTY STANCIL or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for BRIAN ODES STANCIL AND CHRISTY STANCIL, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923, File No. 7484A-03383, THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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STATE OF GEORGIA

COUNTY OF RABUN

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from MISTY LANIER to UNITED COMMUNITY BANK, dated June 22, 2001, recorded June 22, 2001, in Deed Book Z-20, Page 463, Rabun County, Georgia records, as modified by Modification of Security Deed dated August 12, 2009, recorded in Deed Book J35, Page 292, Rabun County, Georgia records, said Security Deed being given to secure a Note from MISTY LANIER dated August 12, 2009, in the original principal amount of Twenty Two Thousand Six Hundred Eighty Five and 69/100 ($22,685.69) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Rabun County, Georgia, within the legal hours of sale on the first Tuesday in November, 2012, the following described property: All that tract or parcel of land lying and being in Land Lot 4 of the Third Land District of Rabun County, Georgia, and containing 2.93 acres, and being shown upon that certain plat of survey prepared by William F. Rolader, Georgia. Registered Land Surveyor No. 2042, dated May 1, 1991, revised May 8, 2001 and which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 46, Page 95, said plat and the record of the same being incorporated herein by reference for a full and complete description of the property herein conveyed. 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 the 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, easements, 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 MISTY LANIER or a tenant or tenants. UNITED COMMUNITY BANK, as attorney in Fact for MISTY LANIER, L. Lou Allen, Stites & Harbison, PLLC, 11 Mountain Street, Suite 8, Blue Ridge, Georgia 30513, (706) 632-7923, File No. 7484A-03382, THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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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 William H. Ellis and Verna A. Ellis to ABN AMRO Mortgage Group, Inc. in the original principal amount of $109,600.00 dated 07/26/2005, and recorded in Deed Book M-28, page 187, Rabun County records, 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 November, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for William H. Ellis and Verna A. Ellis the following described property: All that tract or parcel of land lying and being in Land Lot 146 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 last revised June 9, 2000, and prepared by T. Lamar Edwards, Georgia Registered Land Surveyor Number 1837. Said plat depicts five (5) tracts of land. The real property being hereby conveyed is Tract 2-B, containing 0.21 acres, and Tract 3, containing 0.52 acres. Said plat is of record in Plat Book 43, Page 13, 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 Tracts 2B containing 0.21 acres and Tract 3 containing 0.52 acres as depicted thereon. Said two tracts are adjacent to each other and collectively comprise one tract of land that contains 0.73 acres. Said plat shows a driveway that extends in a southeasterly direction from the Old Clayton Dillard Road and across Tracts 1A, 2A and 2B and into Tract 3 where said driveway terminates. Also conveyed as an easement appurtenant to the above described Tracts 2B and 3 is a perpetual, non-exclusive road right of way easement over and across said driveway for the purpose of providing ingress to and egress from Tracts 2B and 3 with the Old Clayton Dillard Road, a public road. Property known as: 434 Franklin Street, 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. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. 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, Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is William H. Ellis and Verna A. Ellis. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for William H. Ellis and Verna A. Ellis. 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, Our File No. 12-07039

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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 Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon to ABN AMRO Mortgage Group, Inc. in the original principal amount of $110,000.00 dated 12/11/2003, and recorded in Deed Book 025, page 314, Rabun County records, 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 November, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon the following described property: All that tract or parcel of land lying and being in Land Lots 20 and 23 of the Fifth Land District of Rabun County, Georgia, and being Lot 1-X consisting of 1.11 acres of the Joseph T. Davis Subdivision as shown upon that certain plat of survey prepared by Hubert Lovell, Georgia Registered Land Surveyor, No. 1563, dated February 29, 1996, which is recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 37, Page 177. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. The above-described Lot 1-X constitutes all of the lands conveyed by Fulton Lovell to Horst Bliwernitz and Ruth E. Bliwernitz by Warranty Deed dated July 7, 1975, and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book V-6, Page 277. There is also conveyed a perpetual non-exclusive easement for use, maintenance and repair of Mountain View Road as shown upon a plat of survey recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 37, Page 177. Said easement shall be an easement appurtenant to all of the above described lands and shall insure to the benefit of the grantees, their heirs, successors and assigns. There is also conveyed an easement for installation and maintenance of utility lines and service to extend across West View Trail. This conveyance is made subject to the following restrictions that no mobile homes by placed on the property. Property known as: 224 Buckshot Lane, 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. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. 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. Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Kevin Cannon a/k/a Kevin Wayne Cannon and Jennifer Cannon a/k/a Jennifer Dawn Cannon. 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, Our File No. 12-05487

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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 Brian McCoy and Melissa McCoy to ABN AMRO Mortgage Group, Inc. in the original principal amount of $280,000.00 dated 11/18/2004, and recorded in Deed Book H27, page 356, Rabun County records, 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 November, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Brian McCoy and Melissa McCoy the following described property: All that tract or parcel of land lying and being in Land Lots 54 & 59 of the Fifth Land District of Rabun County, Georgia, and being Tract 6 consisting of 4.88 acres of Stonewall Creek Orchard as shown upon a plat of survey dated October 12, 1999, prepared by Samuel L. Duvall, Georgia Registered Land Surveyor No. 2295, said survey being recorded in the Office of the Clerk of Rabun Superior Court in Plat Book 44, Page 157. Said survey is incorporated herein by reference for a full and complete description of the above-described lands. There is also conveyed a perpetual, non-exclusive easement for use, maintenance and repair of Apple Orchard Lane and Peach Orchard Way, each such road having a width of 30 feet, said roads being shown upon the above-referenced plat of survey, and said easement being for the purpose of access, ingress and egress to and from the above-described property. The above-described lands are conveyed subject to the following: 1. The terms, conditions, requirements and obligations of a road maintenance agreement attached as Exhibit “A” to that Warranty Deed recorded in Deed Book J-23, Pages 313-317, Clerk’s Office, Rabun Superior Court. 2. Restrictions, conditions, obligations and easements contained in that certain Declaration of Covenants and Restrictions for Stonewall Creek Orchard dated October 28, 1999 and recorded in the Office of the Clerk of Rabun Superior Court I Deed Book G-19, Page 176, as amended by an Amendment of Declaration of Covenants and Restrictions dated November 12, 1999 and recorded in the Office of the Clerk of Rabun Superior Court in Deed Book H-19, Page 506, all of which shall constitute covenants running with said lands, as amended by an Amendment dated January 5, 2001 and recorded in Deed Book J-20, Page 462, as amended by an Amendment date April 6, 2001 and recorded in Deed Book S-20, Page 433 Rabun County, Georgia Records. Said covenants shall be binding upon the Grantee and the Grantee’s heirs, successors, and transferees and assigns. There is excepted from this conveyance the riparian rights of abutting and adjoining landowners in and to the waters of any stream crossing the above-described property. Property known as: 6 Peach Orchard 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. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc. holds the Note and referenced Security Deed and services the loan on behalf of Federal Home Loan Mortgage Corporation, the current owner of your loan. 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. Pursuant to O.C.G.A. Section 44-14-162.2, nothing contained in this Notice of Sale shall obligate any entity to negotiate, amend, or modify said indebtedness. To the best of the undersigned's knowledge and belief, the party in possession is Brian McCoy and Melissa McCoy. CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Brian McCoy and Melissa McCoy. 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, Our File No. 12-06398

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IN THE PROBATE COURT COUNTY OF RABUN

STATE OF GEORGIA

IN RE: Estate of Patricia J. Bussiere, deceased, Estate No. 3827, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Regina L. Reid has petitioned to be appointed Administrator(s) of the estate of Patricia J. Bussiere, 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 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 5, 2012. All pleadings/objections must be signed under oath 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 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

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NOTICE OF SALE UNDER POWER, RABUN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Kenneth A Henslee to Mortgage Electronic Registration Systems, Inc. as nominee for Sunshine Mortage Corporation dated 3/15/2006 and recorded in Deed Book U29 Page 399, Rabun County, Georgia records; as last transferred to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, ASSET BACKED PASS-THROUGH CERTIFICATES SERIES 2006-CW1, conveying the after-described property to secure a Note in the original principal amount of $ 105,000.00, with interest at the rate specified 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 November, 2012 (November 06, 2012), the following described property: All that tract or parcel of land lying and being in Land Lot 117 of the Second Land District of Rabun County, Georgia consisting of 3.55 acres and being more fully described upon a plat of survey prepared by William F. Rolader, GRLS No. 2042, dated 8-23-95 and recorded in Plat Book 35, Page 128 of the Rabun County plat records. Said plat and the record thereof being incorporated herein by reference. There is also conveyed a perpetual non-exclusive easement over and across a joint driveway extending from the southwest corner of the above-described property along an existing road to the centerline of a community road. The location of the centerline of said road is more fully described upon the above-mentioned 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, 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 the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property is commonly known as 206 Po Folks Lane, Rabun Gap, GA 30568 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Monica M Henslee and Kenneth A Henslee or tenant or tenants. Bank of America is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage pursuant to established guidelines. Bank of America, Bank of America, N.A. 475 Crosspoint Parkway, Getzville, NY 14068, Telephone: 800-285-6000, Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. 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) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) 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 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 non-judicial 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 immediately above. HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, ASSET BACKED PASS-THROUGH CERTIFICATES SERIES 2006-CW1 as agent and Attorney in Fact for Kenneth A Henslee, Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10-11,18,25,11-1

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IN THE PROBATE COURT

COUNTY OF RABUN, STATE OF GEORGIA

IN RE: Estate of Timothy Cecil Browning, deceased, Estate No. 3828, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Emma Jean Browning has petitioned to be appointed Administrator(s) of the estate of Timothy Cecil Browning, 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 5, 2012. All pleadings/objections must be signed under oath 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, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number 706-782-3614

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NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: The Estate of Sara Nickles Kennedy, c/o Melissa Martin, 332 Polly Reed Road, Center Point, AL 35215 & The Estate of Sara Nickles Kennedy, 1500 Bentley Lane, Marietta, GA 30067. 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, being more particularly described as Lot 366 on plat of James A. Long, RLS, recorded in Plat Book 9, page 360, Rabun County Records, subject to water rights easements of record and restrictive covenants of record. As described in Deed Book D5, Page 169. Further described as Map and Parcel 051C 650. will expire and be forever foreclosed and barred on and after the 26th day of November, 2012. The tax deed to which this notice relates is dated the 7th day of June, 2011, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book K-37 at Pages 126-127. The property may be redeemed at any time before the 26th day of November, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Carolyn Thompson; Janice Barnette & Ruth Goss, P.O. Box 484, Clayton, GA 30525, Phone: 706-782-4864. Please be governed accordingly. J. David Smith, Attorney, For Carolyn Thompson, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285

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NOTICE TO FORECLOSE RIGHT TO REDEEM

TO: The Estate of Pauline C. Giampe, c/o Melissa Martin, 332 Polly Reed Road, Center Point, AL 35215 & The Estate of Pauline C. Giampe, 1500 Bentley Lane, Marietta, GA 30067. 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, being more particularly described as Lot 366 on plat of James A. Long, RLS, recorded in Plat Book 9, page 360, Rabun County Records, subject to water rights easements of record and restrictive covenants of record. As described in Deed Book D5, Page 169. Further described as Map and Parcel 051C 650. will expire and be forever foreclosed and barred on and after the 26th day of November, 2012. The tax deed to which this notice relates is dated the 7th day of June, 2011, and is recorded in the office of the clerk of the Superior Court of Rabun County, Georgia, in Deed Book K-37 at Pages 126-127. The property may be redeemed at any time before the 26th day of November, 2012, by payment of the redemption price as fixed and provided by law to the undersigned at the following address: Carolyn Thompson; Janice Barnette & Ruth Goss, P.O. Box 484, Clayton, GA 30525, Phone: 706-782-4864. Please be governed accordingly. J. David Smith, Attorney, For Carolyn Thompson, 17 Chechero Street, Clayton, GA 30525, (706) 782- 4285

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NOTICE (For Discharge from Office and all Liability)

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF D. Erik Kennedy FOR DISCHARGE AS Administrator OF THE ESTATE OF Brandon H. Wales, DECEASED.TO: all and singular the heirs of said decedent, and to whom it may concern: This is to notify you to file objections, if there is any, to the above referenced petition, in this Court on or before October 22, 2012. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting fort the grounds 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. Albert O. English, Judge, Pro Hac Vice, PROBATE JUDGE, 25 Courthouse Square, Suite 215, Clayton, GA 30525, (706) 782-3614

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IN THE PROBATE COURT

COUNTY OF RABUN, STATE OF GEORGIA

IN RE: ESTATE OF Madelin Lenore Moore, deceased, Estate No. 3829, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Laverne Moore has petitioned to be appointed Adminstrator of the estate of Madelin Lenore Moore, 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 an such objections, and must be filed with the court on or before November 12, 2012. All pleadings/objections must be signed under oath 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, 25 Courthouse Square, Suite 215, Clayton, GA 30525, Telephone Number: 706-782-3614

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NOTICE (For Discharge from Office and all Liability)

PROBATE COURT OF RABUN COUNTY

RE: PETITION OF Krystyna Gaglio for Discharge as Executor of the Estate of Paul James Gaglio, deceased. To 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 October 29, 2012. Be notified further: All objections to the petition must be in writing, setting forth the grounds 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, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number: 706-782-3614

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SUMMARY OF PROPOSED CONSTITUTIONAL AMENDMENTS

Pursuant to requirements of the Georgia Constitution, Attorney General Samuel S. Olens, Secretary of State Brian P. Kemp, and Legislative Counsel Wayne R. Allen hereby provide the summaries of the proposed constitutional amendments that will appear on the November 6, 2012, general election ballot for consideration by the people of Georgia (the short headings in bold print are the same as those assigned by the Constitutional Amendments Publication Board pursuant to O.C.G.A. Sec. 5012101): -1- Provides for improving student achievement and parental involvement through more public charter school options. House Resolution No. 1162, Ga. L. 2012, p. 1364, “YES( ) NO ( ) Shall the Constitution of Georgia be amended to allow state or local approval of public charter schools upon the request of local communities?" This proposal authorizes the General Assembly to provide by law for the creation of public state charter schools, which would operate under the terms of charters between the State Board of Education and charter petitioners, while preserving the authority of local boards of education to establish local charter schools. Specifically, the proposal clarifies the authority of the General Assembly to provide for statewide policies for public education prior to the college or postsecondary level, restates the authority of the General Assembly to establish special schools, prohibits the incurrence of bonded indebtedness or the levy of school taxes for the support of special schools without approval of the local board of education and the voters in the affected school system, provides that special schools may include public state charter schools, preserves the authority of local boards of education to establish local charter schools, authorizes the expenditure of state funds for special schools, and prohibits the deduction of certain state funds from local school districts as a direct result or consequence of the enrollment of students in state charter schools. The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for public state charter schools. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 1298, Sec. 1, and was enacted by 2012 HB 797, Act No. 766. A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection. - 2 - Allows the state to save taxpayer funds through multiyear real estate rental agreements. Senate Resolution No. 84 Ga. L. 2012, p. 1363 "( ) YES Shall the Constitution ( ) NO of Georgia be amended so as to provide for a reduction in the state's operating costs by allowing the General Assembly to authorize certain state agencies to enter into multiyear rental agreements?" This proposal authorizes the General Assembly to provide by law for the State Properties Commission, the Board of Regents of the University System of Georgia, and the Georgia Department of Labor to enter into rental agreements for the possession and use of real property without obligating present funds for the full amount of obligation the state may bear under the full term of any such rental agreement. Any such agreement shall provide for the termination of the agreement in the event of insufficient funds. The General Assembly has enacted a law to exercise the authority granted by the proposed constitutional amendment to provide for multiyear rental agreements for real property. This law will become effective only if the constitutional amendment is ratified by the voters. This law is published at Georgia Laws 2012, p. 989, and was enacted by 2012 SB 37, Act No. 717. A copy of this entire proposed constitutional amendment is on file in the office of the judge of the probate court and is available for public inspection.

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IN THE SUPERIOR COURT FOR THE COUNTY OF RABUN

STATE OF GEORGIA

James D. White, Susan M. White, Petitioner, CIVIL ACTION vs FILE NO. 2012-CV-0411-S, Margaret Chandler, And All The World, Defendants.

NOTICE. You are hereby notified that the above-styled action seeking to establish title to the property hereinafter described against Margaret Chandler and All The World was filed on the 8th day of October, 2012, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of an order for service by publication entered by said court on the 8th day of October ,2012, you are hereby commanded to be and appear at said court within thirty (30) days from the date of the order for service by publication to answer said petition and file pleadings before the court. The property involved is described as follows: All that tract or parcel of land lying and being in Land Lot 5, of the Second Land District, Rabun County, Georgia and being more particularly described as Lot 337, Unit 3, as depicted on survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 9, page 303, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, pages 437-446, Rabun County Records, and subsequent amendments of record thereto, and subject to water rights and easements of record. This is the same property conveyed to G. Edwin Chandler and Margaret C. Chandler by deed of Screamer Mountain Development, Inc., dated March 10, 1973 and recorded in the office of the Clerk of Rabun Superior Court in Book H-5, Folio 195. As described in Deed Book F-15, page 200. Further described as Map & Parcel 051C 624.

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IN THE SUPERIOR COURT FOR THE COUNTY OF RABUN

STATE OF GEORGIA

Woodrow W. Daniel, Jr., Paula C. Daniel, and Haywood Contracting Co., Inc. Petitioner. CIVIL ACTION vs FILE NO. 2012-CV-0412-C, All The World, Defendants

NOTICE, You are hereby notified that the above-styled action seeking to establish title to the property hereinafter described against All The World was filed on the 8th day of October, 2012, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of an order for service by publication entered by said court on the 8th day of October, 2012, you are hereby commanded to be and appear at said court within thirty (30) days from the date of the order for service by publication to answer said petition and file pleadings before the court. The property involved is described as follows: All that tract or parcel of land lying and being in Land Lot 75 of the Fifth Land District of Rabun County, Georgia, consisting of 0.06 acre and being more fully described upon that certain plat of survey prepared by William F. Rolader, Georgia Registered Land Surveyor No. 2042, dated April 13, 2012m which is recorded in the office of the clerk of Rabun Superior Court in Plat Book 61, page 274. Reference is had and made to said plat and record of the same for a full and complete description of the property herein described.

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IN THE PROBATE COURT

COUNTY OF RABUN, STATE OF GEORGIA

IN RE: ESTATE OF Pearl Mae Bollinger, deceased, Estate No. 3832, PETITION FOR LETTERS OF ADMINISTRATION NOTICE. Cathy Bollinger Miller has petitioned to be appointed Administrator of the estate of Pearl Mae Bollinger, 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, settting forth the grounds of any such objections, and must be filed with the court on or before November 12, 2012. All pleadings/objections must be signed under oath 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 Garrett, Probate Judge, 25 Courthouse Square, Suite 215, Clayton, GA 30525. Telephone Number: (706) 782-3614

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IN THE SUPERIOR COURT OF RABUN COUNTY

STATE OF GEORGIA

CASE# 2012-CV-0415-C. IN RE: PETITION OF Patti Estes James

PUBLIC NOTICE

Notice is hereby given that Patti Estes James has filed a petition in the Superior Court of Rabun County on the 9th day October, 2012, for an order changing her name from Patti Estes James to Alice Patton Estes. Any interested or affected party may file objections to the petition within thirty days from the date filing said petition, else said Order shall be granted as prayed for. This 9th day of October, 2012. Holly E. Henry-Perry, Clerk of Superior Court, Rabun County, Georgia

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PUBLIC NOTICE

Upcoming appointment of Rabun County Board of Equalization

Notice is hereby given that, in accordance with OCGA 48-5-311, the Rabun County Grand Jury, July Term 2012, will appoint member(s) and/or alternate member(s) to the Board of Tax Equalization to serve terms beginning January 1, 2013. The Tax Equalization board hears taxpayers’ appeals from assessments and denials of homestead exemption in the taxation of real property. Any resident of Rabun County having the following qualifications and an interest in serving on the board may nominate himself or herself for appointment by submitting a nomination form as indicated below: Qualifications, Each person who is, in the judgment of the appointing grand jury, qualified and competent to serve as a grand juror, who is the owner of real property, and who is at least a high school graduate shall be qualified, competent, and compellable to serve as a member or alternate member of the board. No member of the governing authority of a county, municipality, or consolidated government; member of a county of independent board of education; member of the county board of tax assessors; employee of the county board of tax assessors; or county tax appraiser shall be competent to serve as a member or alternate member of the board of equalization. Within the first year after a member’s initial appointment to board of equalization, each member shall satisfactorily complete not less than 40 hours of instruction in appraisal and equalization processes and procedures, as prepared and required by the commissioner. The failure of any member to fulfill the requirements of this subparagraph shall render that member ineligible to serve on the board; and the vacancy created thereby shall be filled in the same manner as other vacancies on the board are filled. No person shall be eligible to hear an appeal as a member of a board of equalization unless, prior to hearing such appeal, that person shall satisfactorily complete the 40 hours of instruction in appraisal and equalization processes and procedures required by law. Any person appointed to such board shall be required to complete annually a continuing education requirement of at least eight hours of instruction in appraisal and equalization procedures, as prepared and required by the commissioner. The failure of any member to fulfill the requirements of this subparagraph shall render that member ineligible to serve on the board; and the vacancy created thereby shall be filled in the same manner as other vacancies on the board are filled. Term of Office: The term of service varies, depending upon whether the appointment is to an unexpired or full term. Full terms are three years beginning January 1, 2013. Nomination Form: If you are qualified, willing and able to serve, please contact Holly E. Henry-Perry, Rabun County Clerk of Court, at 25 Courthouse Square, Suite 105, Clayton, GA 30525 (706)782-3615 no later than Monday, December 17, 2012 at 5:00 PM, so that your interest may be considered, and to complete a nomination application. Holly E. Henry-Perry, Clerk of Superior Court, Rabun County, Georgia, 25 Courthouse Square, Suite 105, Clayton, GA 30525, 706-782-3615

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NOTICE OF INCORPORATION

Notice is hereby given that articles of incorporation which incorporate Better Alliance, Inc., have been delivered to the Georgia Secretary of State for filing in accordance with the Georgia Business Corporation Code. The original registered office of the corporation is located at 75 N. Main Street, Suite 241, Clayton, GA 30525 and its initial registered agent is Mark Schaeffer, whose office is located at 56 Perimeter Center East, Suite 450, Atlanta, GA 30328

10-18,25

IN THE SUPERIOR COURT FOR THE COUNTY OF RABUN

STATE OF GEORGIA

Susan Thomas Lurcock, Petitioner - CIVIL ACTION, vs FILE NO. 2012-CV-0413-C. Geneva Miller And All The World, Defendants. NOTICE. You are hereby notified that the above-styled action seeking to establish title to the property hereinafter described against Geneva Miller and All The World was filed on the 9th day of October, 2012, in the Superior Court of Rabun County, Georgia, Mountain Judicial Circuit, and that by reason of an order for service by publication entered by said court on the 9th day of October, 2012, you are hereby commanded to be and appear at said court within thirty (30) days from the date of the order for service by publication to answer said petition and file pleadings before the court. The property involved is described as follows: All that tract or parcel of land lying and being in Land Lot 5, of the Second Land District, Rabun County, Georgia and being more particularly described as Lot 340, Unit 3, as depicted on survey of James A. Long, Registered Land Surveyor, recorded in Plat Book 9, page 303, Rabun County Records, subject only to protective covenants recorded in Deed Book X-4, pages 437-446, Rabun County Records, and subsequent amendments of record thereto, and subject to rights of neighbors to tap and pipe water from springs. As described in Deed Book C-5, page 582. Further described as Map & Parcel 051C 627.

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Public Notice

Rabun County Board of Education

The Rabun County School system offers the following career and technical education programs for all students regardless of race, color, national origin, including those with limited English proficiency, sex or disability in grades 9-12. Agricultural Education, Business/Marketing Education, Engineering & Technology, Healthcare Science. Persons seeking further information concerning the career and technical education offerings and specific pre-requisite criteria should contact: Mrs. Joi Woods, Career Technical Administrator, 230 Wildcat Hill Drive, Tiger, Ga. 30576, 706.782.4526. jwoods@rabun.k12.ga.us. Inquiries regarding nondiscrimination policies should be directed to: Rabun County Board of Education, 41 Education Street, Clayton, Ga. 30525

706.746.5376

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