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Legals (February 15th edition)
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NOtice of petition to

probate will

PROBATE COURT OF LUMPKIN COUNTY

RE:

PETITION OF Karen Stephens TO PROBATE IN SOLEMN FORM THE WILL OF Marcus Rudolph Stephens, DECEASED, UPON WHICH AN ORDER FOR SERVICE WAS GRANTED BY THIS COURT ON January 20, 2012

To: Clara Ballard, Hilda Jordon, Scott Stephens, Valerie Jones, Larry Stephens and Brenda Stephens, all interested parties and all and singular the heirs of said decedent, 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 February 20, 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/objection; 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.

Michael A. Chastain

PROBATE JUDGE

by Shelley Willson

CLERK OF THE PROBATE COURT

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(1/25, 2/1, 2/8, 2/15)

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Bert Gooch, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 23rd day of January 2012.

Ruby Gooch, Executor

379 Yahoola Road

Demorest, GA 30533

(2/1, 2/8, 2/15, 2/22)

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Alma Marie Carder Calhoun, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 23rd day of January 2012.

Michael Calhoun, Executor

853 Nimblewill Church Road

Demorest, GA 30533

(2/1, 2/8, 2/15, 2/22)

Order for Publication

In the Superior Court of Lumpkin County

State of Georgia

Kenneth Lamar Reyes,

Plaintiff,

v.

Jose Javier Juarez,

Defendant

Civil Action File No. 11CV769MM

Petitioner having moved the Court for an Order directing service to be made upon Jose Javier Juarez in the foregoing petition, by publication of summons, and it appearing from the Affidavit attached thereto that the Petitioner has exercised due diligence in attempting to locate Respondent Jose Javier Juarez cannot be found within the State, it is ORDERED, that service by made by publication as provided by law.

This 6th day of January, 2012.

Honorable Murphy C. Miller,

Superior Court of Lumpkin County

(2/1, 2/8, 2/15, 2/22)

NOTICE of Intent to

Incorporate

Notice is given that Articles of Incorporation which will incorporate Catch21 Athletics, Inc. has been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code (O.C.G.A. 14-2-201.1). The initial registered office of the corporation is located at 309 Tate Creek Trail, Dahlonega, GA 30533, and its registered agent at such address is Mitchell A. Pittman.

(2/8, 2/15)

NOtice of intent to voluntarily dissolve a corporation

Notice is given that a Notice of Intent to Dissolve Wahoo Creek Farms, Inc., a Georgia corporation with its registered office at 321 Roseberry Lane, Murrayville, GA., 30064, has been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code.

(2/8, 2/15)

Notice of Publication

Notice is hereby given that the business operated at 16 Westbrook Road, Dahlonega, Georgia 30533 in the trade name of Chestatee Animal Hospital is owned and carried on by Gold Rush Veterinary Associates, LLC, whose address is 3950 Indian Shoals Road, Bethlehem, Georgia 30620, and the statement relating thereto required by O.C.G.A. §10-1-490 has been filed with the Clerk of the Superior Court of Lumpkin County, Georgia.

Beverly J. J Hall, Esq.

LaFon & Hall

Attorneys for Gold Rush Veterinary Associates, LLC

P.O. Box 1276

Roswell, GA 30077-1276

(2/8, 2/15)

NOTICE of Incorporation

Notice is given that Articles of Incorporation that will incorporate GSL Services, Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 80 Robinson Road, Dahlonega, GA 30533, and its initial registered agent at such address is Gary Lochbaum.

(2/8, 2/15)

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Ellen Hope Alldred, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 2nd day of February 2012.

James E. Alldred, Administrator

227 Syrup Mill Road

Dahlonega, GA 30533

(2/8, 2/15,2/22, 2/29)

NOtice of petition to probate will

PROBATE COURT OF LUMPKIN COUNTY

RE:

PETITION OF Allison Layne TO PROBATE IN SOLEMN FORM THE WILL OF Julian Lafay Waters, DECEASED, UPON WHICH AN ORDER FOR SERVICE WAS GRANTED BY THIS COURT ON February 3, 2012

To: The heirs of the estate of Julian Lafay Waters, all interested parties and all and singular the heirs of said decedents, 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 March 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/objection; 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.

Michael A. Chastain

PROBATE JUDGE

by Shelley Willson

CLERK OF THE PROBATE COURT

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

( 2/8, 2/15, 2/22, 2/29)

Request for Bids

The City of Dahlonega is now accepting bids for the construction of:

“The Diving Bell Plaza”

Sealed bids will be accepted until Friday, March 9, 2012, at 12:00 p.m. at Dahlonega City Hall. Bid documents and plans can be received at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. Monday-Friday between the hours of 8 a.m. - 5 p.m. A mandatory Pre-Bid meeting will be held at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. on Friday, March 2nd, 2012, at 2 p.m. Please contact Ricky Stewart at 706-564-6133.

( 2/8, 2/15, 2/22, 2/29)

Request for Bids

The City of Dahlonega is now accepting bids for the construction of:

“The Diving Bell Pavillion”

Sealed bids will be accepted until Friday, March 9, 2012, at 12:00 p.m. at Dahlonega City Hall. Bid documents and plans can be received at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. Monday-Friday between the hours of 8 a.m. - 5 p.m. A mandatory Pre-Bid meeting will be held at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. on Friday, March 2nd, 2012, at 2 p.m. Please contact Ricky Stewart at 706-564-6133.

( 2/8, 2/15, 2/22, 2/29)

PUBLIC NOTICE OF INTENT TO

ABANDON

PORTION OF LARMON FORKS,

SHEEP WALLOW & LITTLE

MOUNTAIN ROADS

The governing authority of Lumpkin County has determined that a portion of Larmon Forks, Sheep Wallow and Little Mountain Roads have ceased to be used by the public to the extent that no substantial public purpose is served by a portion of said roadways, and that the public will benefit from its abandonment.

The governing authority will hold a public hearing on the abandonment of a portion of Larmon Forks, Sheep Wallow and Little Mountain Roads at 6:00 p.m. on the 23rd day of February, 2012, in the 2nd Floor Boardroom of the Lumpkin County Administration Building, 99 Courthouse Hill.

( 2/8, 2/15)

NOTICE OF ELECTION

TO THE QUALIFIED VOTERS OF LUMPKIN COUNTY, GEORGIA

NOTICE IS HEREBY GIVEN that on the 6th day of March, 2012, an election will be held at the regular polling places in all the election districts of Lumpkin County, Georgia (“the County”), at which time there will be submitted to the qualified voters of the county for their determination the question of whether a one percent county special purpose local option sales and use tax (the “SPLOST”) shall be imposed on all sales and uses in the special district created in Lumpkin County for a period of six years for the raising of approximately $18,900,000.00 for the purpose of funding capital outlay projects (“the Projects”) specified in the form of the ballot set forth below.

Shall a special one percent sales and use tax be imposed in the Special District of Lumpkin County for a period of time not to exceed six (6) years and for the raising of an estimated amount of $18,900,000.00 for the purpose of: (a) FUNDING FIRE-EMS FACILITIES, VEHICLES AND EQUIPMENT; PARKS AND RECREATION FACILITIES, EQUIPMENT AND VEHICLES; ROADS, STREETS AND BRIDGE PROJECTS, INCLUDING RESURFACING, EQUIPMENT, VEHICLES AND IMPROVEMENTS; CONTINUING LEASE PAYMENTS FOR ACQUISITION OF THE JUSTICE CENTER (COPS); LIBRARY FACILITIES, EQUIPMENT AND MATERIAL; ADMINISTRATIVE FACILITY PROJECTS; PUBLIC FACILITIES RENOVATIONS INCLUDING EQUIPMENT AND VEHICLES; ANIMAL SHELTER FACILITIES INCLUDING EQUIPMENT AND VEHICLES; CLERK OF COURT ARCHIVES UPGRADE; ECONOMIC DEVELOPMENT PROPERTY ACQUISITION; BOARD OF ELECTION UPGRADES; SENIOR CENTER FACILITIES AND VEHICLES; SHERIFF’S DEPARTMENT EQUIPMENT, FACILITIES AND VEHICLES; WATER AUTHORITY SYSTEM IMPROVEMENTS FOR LUMPKIN COUNTY; and (b) FUNDING SEWER PLANT UPGRADES AND RELATED SEWER LINE REPLACEMENTS FOR THE CITY OF DAHLONEGA?

( ) Yes

( ) No

Kimberly A. Pruitt

Lumpkin County

Supervisor of Elections

(2/8, 2/15,2/22, 2/29)

Notice of Incorporation

Notice is given that Articles of Incorporation which will incorporate Fortress International Ministries Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Corporation Code (O.C.G.A. 14-3-202). The initial registered office of the corporation is located at 145 Torrington Rd, Dahlonega, GA 30533, and its registered agent at such address is Joel Crotzer.

(2/15, 2/22)

Notice of Incorporation

Notice is given that the Articles of Incorporation that will incorporate Georgia Kudzu Corporation have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 152 Oliver Drive, Dahlonega, GA 30533, and its initial registered agent at such address is Harry Van Buren.

(2/15, 2/22)

NOTICE of Incorporation

Notice is given that articles of incorporation which will incorporate Friends of the Lumpkin County Shelter Animals, Incorporated, have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Business Corporation Code. The initial registered office of the corporation is located at 74 Lake Laurel Drive, Dahlonega, and its initial registered agent at such address is Jerrell Riley.

(2/15, 2/22)

Trade Name Registration

Georgia, Lumpkin County

Notice is hereby given that a trade name registration statement has been filed in this office, verified by affidavit of Tricia Scheinoha which affidavit states that he is conducting a business of reseller operating under the trade name of Defender Outlet, located at 393 Lake Laurel Drive, Dahlonega, GA 30533.

Witness my official signature and seal of the Superior Court this 10th day of February, 2012.

Rita Harkins

Clerk of Superior Court

(2/15, 2/22)

NOTICE OF PUBLICATION

IN THE SUPERIOR COURT OF LUMPKIN COUNTY

STATE OF GEORGIA

Patricia D. Elias, PLAINTIFF

VS. Martin Ortega Suarez, DEFENDANT

CIVIL ACTION NO. 12-CV-97-LA

TO: Martin Ortega Suarez

By Order for Service by Publication dated February 9, 2012, you are hereby notified that on February 9, 2012, Patricia D. Elias filed suit against you for Divorce.

You are required to file with the Clerk of Superior Court, and to serve upon the plaintiff, Patricia D. Elias, 173 Sanders Blvd., Dahlonega, Georgia 30533, an Answer in writing within sixty (60) days of the date of the Order for Publication.

WITNESS, the Honorable Lynn Akeley-Alderman, Judge of this Superior Court, this 9th day of February, 2012.

Rita Harkins

Clerk of Superior Court

Lumpkin County, Georgia

(2/15, 2/22, 2/29, 3/7)

Notice of Intention to introduce local legislation

Notice is given that there will be introduced at the regular 2012 session of the General Assembly of Georgia a bill to provide for an advisory referendum in Lumpkin County on the question of whether the package sale of distilled spirits should be permitted in the county; to provide for the ballot, to provide for related matters, to repeal conflicting laws; and for other purposes.

Representative Amos Amerson

District 9

(2/15)

Legal Notice of sale

ABS Mini Storage

Oak Grove Rd.

Dahlonega, GA 30533

706-867-1380

The following units will be sold on Saturday, Feb. 25, 2012, at 10 a.m. for non-payment of storage fees:

Unit #22 Carol Medlin

Unit #24 Carol Medlin

Unit #28 Maranda Hampton

Unit #38 Melissa Hardin

Unit #41 Melissa Hardin

Unit #43 Marissa Hagler

Unit #49 Maria Alvarez

Units are sold as a whole for cash only. Contents of units must be removed immediately and units left broom clean.

(2/15, 2/22 )

NOTICE TO BETSY S. RICHARDS AND JAMES ALLEN CANSLER

AND THE WORLD

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 033-079 in Land Lots 325, 327, and 376 of the 12th District, 1st Section, Lumpkin County, Georgia, containing 2.66 acres, more or less, being Lot 63, Etowah Shoals, as shown in Plat Book 18, Page 2, and being more particularly described in Deed Book T-16, page 263, located on Etowah Drive

will expire and be forever foreclosed and barred on and after the 2nd day of March, 2012.

The tax deed to which this notice relates is dated the 2nd day of November, 2010, and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1176, Page 193. The property may be redeemed at any time before the 2nd day of March, 2012, by payment of the redemption price as fixed and provided by law to Tony Anderson at the following address: P.O. Box 986, Dahlonega, Georgia 30533.

Please be governed accordingly.

Pat Cagle

The Law Office of Angela Clark

P.O. Box 611

Dahlonega, Ga. 30533

706-867-9292

706-867-9059 FAX

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

Georgia, Lumpkin County

Under and by virtue of the Power of Sale contained in that certain Security Deed given by Carl Bradley Anderson (the “Grantor”) to Regions Bank (the “Lender”) dated September 6, 2002 and recorded September 11, 2002 in Deed Book 129, Page 268, Lumpkin County, Georgia official records (hereinafter referred to as the “Security Deed”), conveying the property described below to secure repayment of (i) that certain Promissory Note dated February 27, 2006 made payable by Grantor in the maximum principal amount of $591,720.53 (the “Note”), together with interest thereon as set forth therein (together with any and all prior notes, amendments or modifications); and (ii) any and all other obligations, debts and liabilities, plus interest thereon, of Grantor to Lender, whether now existing or hereafter arising (together with any and all amendments, assignments or modifications, collectively hereinafter referred to as the “Secured Indebtedness”), there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012 (being March 6, 2012) the following described parcel of real property together with all improvements, fixtures, easements, hereditaments, rights, members, appurtenances, and personalty located thereon and described in the Security Deed:

All that tract or parcel of land lying and being in Land Lot 1147 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 5.537 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated February 12, 1997, prepared for Carl Bradley Anderson and Nathan Scott Anderson by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 30, Page 170, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to all easements for roads and utilities in use or of record.

The above-described property is commonly known as 306 Crabapple Place, Dahlonega, GA 30533, according to the present system of numbering property in Lumpkin County, Georgia.

The Secured Indebtedness has been and is hereby accelerated and declared due because of, among other possible events of default, failure to pay the Secured Indebtedness as and when due and in the manner provided in the instruments evidencing the Secured Indebtedness and Security Deed. The Secured Indebtedness remaining in default, the sale will be made for purposes of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (written notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed.

To the best knowledge and belief of the undersigned, the party in possession of the property is the Grantor or a tenant or tenants claiming through it.

REGIONS BANK, Attorney-in-Fact and Agent for Carl Bradley Anderson

Erich N. Durlacher

Burr & Forman LLP

Suite 1100, 171 Seventeenth Street, N.W.

Atlanta, Georgia 30363

Email: HYPERLINK “mailto:edurlach@burr.com” edurlach@burr.com

(404) 815-3000

(404) 214-7387

THE LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Nicky Anderson and Kathy Anderson and Nicky Anderson and Kathy Anderson to CitiFinancial Services, Inc., dated January 24, 2002, recorded in Deed Book T28, Page 168, Lumpkin County, Georgia Records, last assigned to CitiFinancial Services, Inc., conveying the after-described property to secure a Note in the original principal amount of One Hundred Twenty Thousand Nine Hundred Twenty-Two and 74/100 DOLLARS ($120,922.74), 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 Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 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).

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CitiFinancial North America, Attention: Foreclosure Department, 1111 Northpoint, Suite 100 Bldg 4, Coppell, TX 75019 AND 877-675-3656. Please understand that the secured creditor is not required by law to negotiate, amend or modify the terms of the mortgage instrument.

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 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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Nicky Anderson and Kathy Anderson and Nicky Anderson and Kathy Anderson or a tenant or tenants and said property is more commonly known as 648 Marlie Seabolt Road, Dahlonega, GA 30533.

CitiFinancial Services, Inc.

as Attorney in Fact for

Nicky Anderson and Kathy Anderson and Nicky Anderson and Kathy Anderson

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000167-10

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.EXHIBIT “A”

ALL THAT TRACT OF LAND LYING AND BEING IN LAND LOT 286 OF THE 15TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING 9.651 ACRES AS SHOWN ON PLAT OF SURVEY PREPARED BY FARLEY COLLINS AND ASSOCIATES, DATED DECEMBER 3, 1996, AND RECORDED IN PLAT BOOK 30, PAGE 149, LUMPKIN COUNTY, GEORGIA RECORDS, AND BEING DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER (CORNER BEING APPARENT AND AGREED ON BY GRIZZLE AND ANDERSON) OF LAND LOT 286 AND RUN THENCE ALONG LAND OF DENNIS J. GRIZZLE, SAID LINE BEING THE SOUTHERLY LINE OF LAND LOT 286, N 83-58-53 W, 733.50 FEET TO A POINT; RUN THENCE AN AGREED LINE BETWEEN AND AGREED ON BY GEORGE CAIN AND ANDERSON, N 07-46-21 E 663.95 FEET TO A POINT IN THE CENTER OF A GRADED DRIVE AT LANDS OF SEABOLT; RUN THENCE ALONG CENTER OF SAID GRADED DRIVE AND LAND OF SEABOLT, S 44-43-46 E, 171.67 FEET TO A POINT; S 45-27-28 E 104.34 FEET TO A POINT; THENCE LEAVING SAID DRIVE AND CONTINUING ALONG SEABOLT LAND, N 66-39-26 E, 236.13 FEET TO A POINT, N 88-46-41 E 277.59 FEET TO A POINT ON THE EASTERLY LINE OF LAND LOT 286, RUN THENCE ALONG SAID LAND LOT LINE AND LAND OF STANCIL S 04-27-36 W, 641.03 FEET TO THE SOUTHEAST CORNER OF LAND LOT 286 THE POINT OF BEGINNING.

This is an attempt to collect a debt and any information obtained may be used for that purpose.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER IN SECURITY DEED 1

STATE OF GEORGIA

COUNTY OF LUMPKIN

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, and recorded in Deed Book 1068, Page 612, Lumpkin County, Georgia records (as amended, the “Security Deed”); as assigned to GERMAN AMERICAN CAPITAL CORPORATION, a Maryland corporation, by Assignment of Security Instruments dated as of March 29, 2011, filed for record on April 22, 2011, recorded in Deed Book 1185, Page 718, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday in March, 2012 to the highest and best bidder for cash the following property described in said Security Deed (collectively, the “Premises”), to wit:

All that certain tract or parcel of land more particularly described below (hereinafter referred to as the “Land”):

All that Parcel of Land Lying and being in Land Lot 359 of the 12th District, 1st Section of Lumpkin County, Georgia and being Lot 10B of Montaluce Subdivision/Cottage Phase formerly known as Montalvina Subdivision, as recorded in Cabinet 1 Slide 157, Plat 139, Lumpkin County, Georgia records and incorporated herein by reference.

TOGETHER WITH: All buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter placed on or in the Land; and all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter located thereon, or any part thereof, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payments in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof, and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same.

The debt secured by the Security Deed is evidenced by that certain Promissory Note dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, a North Carolina banking corporation, as assigned to German American Capital Corporation (“Lender”) in the original principal amount of Three Hundred Ninety Thousand and No/100 Dollars ($390,000.00) (as modified and/or amended from time to time, the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.

Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.

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 attorneys’ fees, notice of intent to collect attorneys’ fees having been given. Said Premises will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the Premises, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final audit and confirmation of the status of the loan with the holder of the Security Deed.

GERMAN AMERICAN CAPITAL CORPORATION, as Attorney-in-Fact for B & G Development, LLC.

Michael E. Fincher, Esq.

Fincher Law Group, LLC

12600 Deerfield Parkway, Suite 100

Alpharetta, Georgia 30004

(404) 200-8669

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER IN SECURITY DEED 2

STATE OF GEORGIA

COUNTY OF LUMPKIN

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, and recorded in Deed Book 1068, Page 623, Lumpkin County, Georgia records (as amended, the “Security Deed”); as assigned to GERMAN AMERICAN CAPITAL CORPORATION, a Maryland corporation, by Assignment of Security Instruments dated as of March 29, 2011, filed for record on April 22, 2011, recorded in Deed Book 1185, Page 721, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday in March, 2012 to the highest and best bidder for cash the following property described in said Security Deed (collectively, the “Premises”), to wit:

All that certain tract or parcel of land more particularly described below (hereinafter referred to as the “Land”):

All that Parcel of Land Lying and being in Land Lot 359 of the 12th District, 1st Section of Lumpkin County, Georgia and being Lot 11B of Montaluce Subdivision/Cottage Phase formerly known as Montalvina Subdivision, as recorded in Cabinet 1 Slide 157, Plat 139, Lumpkin County, Georgia records and incorporated herein by reference.

TOGETHER WITH: All buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter placed on or in the Land; and all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter located thereon, or any part thereof, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payments in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof, and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same.

The debt secured by the Security Deed is evidenced by that certain Promissory Note dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, a North Carolina banking corporation, as assigned to German American Capital Corporation (“Lender”) in the original principal amount of Three Hundred Seventy-Eight Thousand Seven Hundred Fifty and No/100 Dollars ($378,750.00) (as modified and/or amended from time to time, the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.

Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.

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 attorneys’ fees, notice of intent to collect attorneys’ fees having been given. Said Premises will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the Premises, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final audit and confirmation of the status of the loan with the holder of the Security Deed.

GERMAN AMERICAN CAPITAL CORPORATION, as Attorney-in-Fact for B & G Development, LLC.

Michael E. Fincher, Esq.

Fincher Law Group, LLC

12600 Deerfield Parkway, Suite 100

Alpharetta, Georgia 30004

(404) 200-8669

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN 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 Gary A. Bagwell and Cynthia Denise Bagwell to Mortgage Electronic Registration Systems, Inc., dated February 21, 2003, recorded in Deed Book X30, Page 76, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1172, Page 682, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWELVE THOUSAND AND 0/100 DOLLARS ($112,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Gary A. Bagwell and Cynthia Denise Bagwell or a tenant or tenants and said property is more commonly known as 414 Tate Creek Trail, Dahlonega, Georgia 30533. 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 fka Countrywide Home Loans Servicing LP

as Attorney in Fact for

Gary A. Bagwell and Cynthia Denise Bagwell

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/krc1 3/6/12

Our file no. 52539510-FT10

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lots 1117 and 1188 of the 11th District, 1st Section of Lumpkin County, Georgia, and being more fully described and delineated as Lot 25 of the McDonald’s Mill Subdivision, consisting of 1.069 acres, more or less, according to a plat of survey prepared December 22, 1995, by Michael S. Kelley, Georgia Registered Surveyor, which is recorded in Plat Book 30, page 120, Lumpkin County records, which is incorporated by reference herein. MR/krc1 3/6/12 Our file no. 52539510 - FT10

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA COUNTY OF LUMPKIN Under and by virtue of the power of sale contained with that certain Deed to Secure Debt dated March 31, 2005, from Hugo E Barrios to Mortgage Electronic Registration Systems, Inc. as nominee for Sunshine Mortgage Corporation, recorded on April 6, 2005 in Deed Book N35 at Page 116, Lumpkin County, Georgia Records, having been last sold, assigned, transferred and conveyed to First Horizon Home Loans a division of First Tennessee Bank National Association by Assignment and said Deed to Secure Debt having been given to secure a note dated March 31, 2005, in the amount of $196,000.00, said note being in default, the undersigned will sell at public outcry during the legal hours of sale before the door of the courthouse of Lumpkin County, Georgia, on March 6, 2012, the following described real property (hereinafter referred to as the “Property”): ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1073 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 2.00 ACRES, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE PARTICULARLY SET OUT ON A PLAT OF SURVEY DATED JANUARY 22, 1992, PREPARED FOR ROBERT J AND JENNIFER R GARTRELL AND DECATUR FEDERAL SAVINGS AND LOAN ASSOCIATION BY ALBERT M WYNN, GEORGIA REGISTERED SURVEYOR. THIS PLAT IS RECORDED IN PLAT BOOK 24, PAGE 32, LUMPKIN COUNTY RECORDS, AND IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION. The debt secured by the Security Deed and evidenced by the note and has been, and is hereby, declared due and payable because of, among other possible events of default, failure to make the payments as required by the terms of the Note. The debt remaining is in default and this sale will be made for the purposes of paying the Deed to Secure Debt, accrued interest, and all expenses of the sale, including attorneys’ fees. Notice of intention to collect attorneys’ fees has been given as provided by law. To the best of the undersigned’s knowledge, the person(s) in possession of the property is/are Hugo E Barrios. The property, being commonly known as 286 Miller Calhoun Road, Dahlonega, GA 30533 in Lumpkin County, will be sold as the property of Hugo E Barrios, subject to any outstanding ad valorem taxes (including taxes which are a lien and not yet due and payable), any matters affecting title to the property which would be disclosed by accurate survey and inspection thereof, and all assessments, liens, encumbrances, restrictions, covenants, and matters of record to the Security Deed. 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: Nationstar Mortgage, 350 Highland Drive, Lewisville, TX 75067, 469-549-3019 . The foregoing notwithstanding, nothing in O.C.G.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under U.S. Bankruptcy code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. Albertelli Law Attorney for First Horizon Home Loans a division of First Tennessee Bank National Association as Attorney in Fact for Hugo E Barrios 100 Galleria Parkway, Suite 960 Atlanta, GA 30339 Phone: (866) 690-0418 ASAP# 4188919

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

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 Darian Lee Caldwell and Kimberly Allison Caldwell to Southpoint Financial Services, Inc. in the original principal amount of $196,000.00 dated 9/25/2002, and recorded in Deed Book B30, page 30, Lumpkin County records, said Security Deed being last transferred and assigned to CitiFinancial Mortgage Company, Inc. in Deed Book U-30, Page 617, 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 March, 2012 by CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-Fact for Darian Lee Caldwell and Kimberly Allison Caldwell the following described property:

All that tract or parcel of land lying and being in Land Lot 746 of the 11th District, 1st Section of Lumpkin County, Georgia being 1.149 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated September 8, 1998, prepared for Darian Lee Caldwell by

Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 21, Plat 4B, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed herewith is a perpetual, non-exclusive easement thirty feet in width along and with that existing drive as depicted on the above-referenced plat of survey connecting the property with Walter Caldwell Road.

This property is conveyed subject to all easements for road and utilities in use or of record.

Property known as: 892 Walter Caldwell Road, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

4050 Regent Blvd.

Irving, TX 75063

PHONE: 866-272-4749

Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Darian Lee Caldwell and Kimberly Allison Caldwell.

CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-fact for Darian Lee Caldwell and Kimberly Allison Caldwell.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-00853

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN 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 Dixie D. Contreras to Mortgage Electronic Registration Systems, Inc. acting soley as nominee for Homestar Financial Corporation, dated December 21, 2007, recorded in Deed Book 1077, Page 178, Lumpkin County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment recorded in Deed Book 1175, Page 280, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-THREE THOUSAND SIXTY-THREE AND 0/100 DOLLARS ($123,063.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 434 of the 12th District, 1st Section, Lumpkin County, Georgia and being Lot 2 of Shadow Woods Subdivision, as per plat thereof filed and recorded in Plat Book 28, Page 47, Lumpkin County, Georgia records. Said plat hereby being incorporated herein by reference and made a part hereof. Being property known as 645 Horton Road according to the present system of numbering property in Lumpkin County, Georgia.

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). JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Dixie D. Contreras or a tenant or tenants and said property is more commonly known as 645 Horton Road, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC

as Attorney in Fact for

Dixie D. Contreras

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181

www.jflegal.com

MSP/lnu 3/6/12

Our file no. 1643210-FT20

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN 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 Johnny L. Dale to Mortgage Electronic Registration Systems, Inc., dated April 10, 2008, recorded in Deed Book 1090, Page 280, Lumpkin 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 1150, Page 278, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY-NINE THOUSAND SIX HUNDRED SEVENTY-THREE AND 0/100 DOLLARS ($99,673.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Johnny Lee Dale or a tenant or tenants and said property is more commonly known as 380 Summer Glen Road, Dahlonega, Georgia 30533. 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

Johnny L. Dale

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/hmw 3/6/12

Our file no. 53451009-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, containing 1.79 acres, more or less, as per plat of survey recorded in Plat Cabinet 1, Slide 91, Plat 16, Lumpkin County, Georgia records which plat is incorporated herein and made a part hereof by reference. Also conveyed herein is an easement for ingress and egress and the installation of utilities over the existing private road connecting subject property with John Garner Road. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to any easements of record or easements located on the property above described. MR/hmw 3/6/12 Our file no. 53451009 - FT11(2/8, 2/15,2/22, 2/29)

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Cyndi N. Durham and Richard A. Durham to Homeside Lending, Inc. dated February 28, 2002 in the amount of $91,000.00, and recorded in Deed Book Z-28, Page 97, Lumpkin County, Georgia Records; as last transferred to JPMorgan Chase Bank, National Association by assignment; the undersigned, JPMorgan Chase Bank, National Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 618 of the 12th District and 1st Section of Lumpkin County, Georgia, containing 1.51 acres as shown on a plat of survey recorded in Plat Book 18, Page 42, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference.

which has the property address of 184 Valley Brook Ln, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Cyndi N. Durham and Richard A. Durham 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.

JPMorgan Chase Bank, National Association

Attorney in Fact for

Cyndi N. Durham and Richard A. Durham

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 09-22154 /FNMA/cyeats

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from PHILLIP SHANE DYER to Mortgage Electronic Registration Systems, Inc as nominee for Countrywide Home Loans, Inc. , dated February 17, 2006, recorded March 3, 2006, in Deed Book L37, Page 173, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Nineteen Thousand Nine Hundred Twenty and 00/100 dollars ($119,920.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWALT, INC., ALTERNATIVE LOAN TRUST 2006-11CB MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-11CB, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, 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 LOTS 847 AND 854 OF THE 5TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 49 OF MILL CREEK STATION, AS PER PLAT OF SURVEY RECORDED IN PLAT CABINET 1, SLIDE 108, PAGE 142B, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF SAID PROPERTY.

Said legal description being controlling, however the property is more commonly known as 130 PINE TREE DR, DAWSONVILLE, GA 30534.

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 (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is PHILLIP SHANE DYER, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is:

Lender Contact: BAC, Loss Mitigation Dept., P.O. Box 940070, Simi Valley, CA 93094-0070

Telephone Number: 800-720-3758

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWALT, INC., ALTERNATIVE LOAN TRUST 2006-11CB MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-11CB

as Attorney in Fact for

PHILLIP SHANE DYER

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092

Telephone Number: (877) 813-0992 Case No. BAC-11-12514-0003

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of the power of sale contained in a Security Deed from John Eric Epperson to Mortgage Electronic Registration Systems Inc., as nominee for Homestar Financial Corp. dated November 17, 2008 recorded in Deed Book 1118, Page 193-209 , Lumpkin County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-FIVE THOUSAND THREE HUNDRED AND 00/100 ($185,300.00), 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 Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday, March 6, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 1174 of the 12th District, 1st Section of Lumpkin County, Georgia, containing 1.00 acres, more or less, as per plat of survey prepared for Georgia Springs by Henry Bailey, Georgia Registered Surveyor, dated August 18, 1984, and recorded in Plat Book 13, Page 44, Lumpkin County, Georgia Records and being labeled as Lot No. 7 on said plat of survey, which plat is incorporated herein and made a part hereof by reference.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including attorneyís fees, notice of intent to collect attorneyís fees having been given.

Said property will be sold subject to any outstanding ad valorem taxes, 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 John Eric Epperson or, a tenant or tenants, and said property was or is commonly known as 60 Georgia Avenue, Dahlonega, GA 30533.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association

As Attorney in Fact for

John Eric Epperson

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-11530

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Leon Faris to Mortgage Electronic Registration Systems, Inc. as nominee for First National Bank of Nassau County, a division of CBC National Bank, its successors and assigns dated January 30, 2009 in the amount of $133,292.00, and recorded in Deed Book 1119, Page 539, Lumpkin County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 986 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 60 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

which has the property address of 116 Miller Drive, Dawsonville, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Leon Faris and Samantha Faris and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

CitiMortgage, Inc.

Attorney in Fact for

Leon Faris

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

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.

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

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 Joey L. Fortner to The Mortgage People Co. in the original principal amount of $150,000.00 dated 08/23/2001, and recorded in Deed Book Y-27, page 722, Lumpkin County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 1181, Page 157, 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 March, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Joey L. Fortner the following described property:

All that tract or parcel of land lying and being in Land Lot 74 of the 11th Land District and 1st Section of originally Hall, now Lumpkin County, Georgia, consisting of 4.286 acres, more or less, and being shown as Tract 2-B, per a plat of survey for Joey L. and Jamie A. Fortner, prepared by Michael Stewart Kelley, Georgia Registered Surveyors, dated May 25, 1995, recorded in Plat Book 28, Page 81, Lumpkin County, Georgia Records, which plat of survey is incorporated herein by reference and made a part hereof.

Property known as: 2121 Hwy 115 South, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Joey L. Fortner.

CitiMortgage, Inc., as Attorney-in-fact for Joey L. Fortner.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-00153

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

State of Georgia, County of LUMPKIN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by CLAUDIA P FRADY AND URSULA K FRADY to AMERICAN MORTGAGE EXCHANGE, INC , dated 06/07/1999, and Recorded on 06/11/1999 as Book No. Z22 and Page No. 334-341, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A., by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $88,139.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in March, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 408, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY MICHAEL E. SCUPIN, GEORGIA REGISTERED LAND SURVEYOR, DATED JANUARY 30, 1998, AND AS PER PLAT, THE PROPERTY CONTAINS 3.49 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 27, PAGE 189, LUMPKIN COUNTY, GEORGIA RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO A NON-EXCLUSIVE PERPETUAL EASEMENT FOR INGRESS AND EGRESS TO AND FROM SILOAM CHURCH AS SHOWN ON THE ABOVE REFERENCED PLAT AND MORE PARTICULARLY DESCRIBED ORIGINALLY IN THAT CERTAIN DEED RECORDED IN DEED BOOK F-3, PAGE 24, AND DEED BOOK L-3, PAGE 222, BOTH RECORDED IN THE PUBLIC RECORD OF LUMPKIN COUNTY, GEORGIA.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE. THIS CONVEYANCE IS FURTHER MADE SUBJECT TO ANY EASEMENTS OF RECORD OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED. BEING THE SAME PROPERTY CONVEYED VIA WARRANTY DEED DATED AUGUST 26, 1998 FROM RANDALL DEAN NEWTON AND DICKIE LYNETTE NEWTON TO HAROLD N. STALVEY AND LINE M. STALVEY AND RECORDED IN DEED BOOK T-20, PAGE 65, LUMPKIN COUNTY, GEORGIA RECORDS The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43219, 800-848-9136. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 2440 SILOAM CHURCH ROAD, DAHLONEGA, GEORGIA 30533 is/are: CLAUDIA P FRADY AND URSULA K FRADY or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

BANK OF AMERICA, N.A.

as Attorney in Fact for

CLAUDIA P FRADY AND URSULA K FRADY.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20110187411229

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Kayla S. Gayton to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated October 5, 2007 in the amount of $149,900.00, and recorded in Deed Book 1067, Page 397, Lumpkin 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 695, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by John T. Gaston, Georgia Registered Land Surveyor, dated May 4, 2006: and as per said plat, the property contains 0.998 acres, more or less, being more particularly described as Lot 29 of the Meadows of Cane Creek. The subject plat being of record in Plat Cabinet One, Slide 31, Plat 10, Lumpkin County Records. Said plat is hereby incorporated by reference. This conveyance is made subject to restrictive covenants as recorded in Deed Book 1030, Page 417, Lumpkin County Records. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to and together with any easements of record or easements located on the property above described or accessing the above described property.

which has the property address of 55 Tayfan Drive, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Jason M. Gayton and Kayla M. Gayton 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

Kayla S. Gayton

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 11-19164 /FHLMC/mtucker

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.

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

Notice of Sale Under Power

By virtue of the power of sale contained in that certain Georgia Security Deed and Security Agreement from Glendianne, LLC to Branch Banking and Trust Company, dated June 29, 2004, recorded in Deed Book Z-33, Page 597, Lumpkin County, Georgia Records, as modified, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, March 6, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debt secured by said Deed to Secure Debt has been and is hereby declared due and payable because of, among other possible events of default, failure to make payments. 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 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, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

To the best knowledge and belief of the undersigned, the Party in possession of the property is Glendianne, LLC, or a tenant or tenants, and said property is more commonly known as Various portions of Tract One and Tract Two in Land Lots 431, 432, 458, 459, 465, 466, 485, 486, 495, 496, and 497, 15th District, 1st Section, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please note that the undersigned reserves the right to sell the property or any portion thereof in separate parcels or as a whole.

Branch Banking and Trust Company

Attorney in Fact for Glendianne, LLC

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

6000 Lake Forrest Drive, Suite 325

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

TRACT ONE:

All that tract or parcel of land lying and being in Land Lots 431, 432, 458, 459, 465, 466, 485, 486, 495, 496 and 497 of the 15th District and 1st Section of Lumpkin County, Georgia consisting of 217.05 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated May 5, 1997, prepared for Wildwood subdivision by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet One, Slide 3, Plat 51, Lumpkin County records and is incorporated herein by reference for a more detailed description.

TRACT TWO:

All that tract or parcel of land lying and being in Land Lot 465 of the 15th District, and 1st Section of Lumpkin County, Georgia consisting of .247 acres, more or less, together with all improvements located there and being more particularly set out as Parcel C on a plat of survey dated May 5, 1997, prepared for Wildwood Subdivision by Michael Stewart Kelley, Georgia Registered land Surveyor. This plat is recorded in Plat Cabinet One, Slide 3, Plat 51, Lumpkin County records and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to easements for roads and utilities in use or of record.

This property is conveyed subject to a non-exclusive, perpetual easement 30 feet in width along the private portion of Hidden Valley Road as shown on a plat of survey of record in Plat Book 30, Page 117, Lumpkin County, Georgia records, as it leads in a southwesterly direction to the end of the county maintained portion of Hidden Valley Road. The property is also conveyed subject to any existing easement rights of others to use said roadway.

LESS AND EXCEPT ALL THE FOLLOWING:

(1) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section of Lumpkin County, Georgia being 1.062 acres, more or less, as more particularly described on that certain plat of survey dated March 10, 1998, prepared for Jellico Coal and Charcoal Co., Inc. by Precision Land Services, the same being of record in Plat Cabinet One, Slide 15, Plat 92A, Lumpkin County, Georgia records, together with the easement rights granted in said instrument.

(2) All that tract and parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section, Lumpkin County, Georgia, being 1.671 acres more or less, as more particularly described on that certain plat of survey of record at Plat Book 30, Page 109, Lumpkin County records.

(3) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section, Lumpkin County, Georgia consisting of 12.602 acres, more or less, and being more fully described and delineated according to a plat of survey prepared by Michael Stewart Kelley, Georgia Registered Surveyors, dated November 27, 1996, which is recorded in Plat Book 30, Page 117, Lumpkin County, Georgia records.

(4) All that tract or parcel of land lying and being in Land Lot 458 and 465 of the 15th District and 1st Section of Lumpkin County, Georgia, consisting of 10.34 acres, more or less, and being more particularly described in a Corrective Warranty Deed dated August 22, 1995, from Tana S. Rhodes to M.C. LaGrone, Jr., as Sole Trustee of the Jellico Coal & Charcoal Company, Inc., Profit Sharing Plan and Trust, which is recorded in Deed Book S-15, Pages 58-63, Lumpkin County records and is incorporated herein by reference for a more detailed description, as identified further in a warranty deed from Glendianne, Ltd., et al to JELLICO COAL & CHARCOAL CO INC PROFIT SHARING PLAN & TRUST, by instrument of record in Deed Book F32, Page 399, Lumpkin County records.

(5) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section of Lumpkin County, Georgia, being described as 2.850 acres, per plat of survey dated May 9,2002 a copy of which is labeled as Exhibit “A-1” at Deed Book O-29, Page 740, andO-29, Page 742, Lumpkin County, Georgia records.

(6) All that tract or parcel of land lying and being in Land Lots 457, 458, 465, 466 First Section, Lumpkin County, Georgia, and thence South along the Land Lot line between Land Lot 465 and 466, a distance of 206.48 feet to a point; said point being the True Point of Beginning; and thence South along same said Land Lot line a distance of 358.52 feet to a point; and thence North 74 degrees 48 minutes 55 seconds West a distance of 251.79 feet to a point; and thence North 39 degrees 25 minutes 30 seconds East a distance of 382.63 feet to the True Point of Beginning; said tract containing 1.000 acres.

(7) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section of Lumpkin County, Georgia, and being a tract of 1.001 acres as per a plat of survey by John T. Gaston, Georgia registered land surveyor, the same dated May 9, 2002, and of record as an attachment to an instrument of record at Deed Book V30, Page 74, Lumpkin County records.

2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

State of Georgia, County of LUMPKIN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by KENNETH GRUNFELDER AND RENEE GRUNFELDER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR FIRST FRANKlIN A DIVISION OF NAT. CITY BANK OF IN , dated 07/14/2006, and Recorded on 07/18/2006 as Book No. 995 and Page No. 668-704, LUMPKIN County, Georgia records, as last assigned to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR FFMLT 2006-FF13, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $152,750.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in March, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 579 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, CONSISTING OF 3.846 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED ACCORDING TO PLAT PREPARED MAY 19, 1987 BY FARLEY COLLINS AND ASSOCIATES, GEORGIA REGISTERED LAND SURVEYORS, WHICH PLAT IS RECORDED IN PLAT BOOK 19, PAGE 58, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: AMERICA’S SERVICING COMPANY, 3476 STATEVIEW BLVD., Foreclosure MAC# X7801-013, FORT MILL, SC 29715, 800-288-3212. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 429 BUCKHORN TAVERN ROAD, DAHLONEGA, GEORGIA 30533 is/are: KENNETH GRUNFELDER AND RENEE GRUNFELDER or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR FFMLT 2006-FF13 as Attorney in Fact for KENNETH GRUNFELDER AND RENEE GRUNFELDER.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120134000007

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 John B. Hammond and Kathleen W. Hammond to JPMorgan Chase Bank, N.A., dated August 1, 2007, recorded in Deed Book 1059, Page 112, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED SEVENTY-EIGHT THOUSAND AND 0/100 DOLLARS ($378,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

Tract Two: All that tract or parcel of land lying and being in Land Lots 142 and 143 of the 11th District, originally Hall, now Lumpkin County, Georgia, consisting of 8.00 acres, more or less, as described and delineated to a plat of survey prepared May 27, 1992, by Frederick F. Kauffman, Georgia Registered Land Surveyor No. 1774, which is recorded in Plat Book 28, Page 71, Lumpkin County Records, which is incorporated by reference herein. Also conveyed herein is a non-exclusive perpetual easement for ingress, egress and the installation of all necessary utilities 40 feet in width to Robinson Road along the private road shown as Hickory Road on said plat of survey.

The grantees herein recognize that any and all means of ingress and egress to the property conveyed hereby which is provided by the grantor herein or his successor or assigns are considered by the planning commission of Lumpkin County and the governing body of Lumpkin County to be private ways not maintainable by the governing body. Therefore the grantees herein hereby agree that they will be responsible for their share of the upkeep and maintenance of said private road, holding completely harmless the governing body of Lumpkin County of any necessity for such upkeep or maintenance.

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). JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is John B. Hammond and Kathleen W. Hammond or a tenant or tenants and said property is more commonly known as 155 Winterbury Way, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association also known as JPMorgan Chase Bank, N.A.

as Attorney in Fact for

John B. Hammond and Kathleen W. Hammond

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181

www.jflegal.com

MSP/lnu 3/6/12

Our file no. 1664311-FT20

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

Notice of Sale Under Power

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Margarita L. Harmon to United Community Mortgage Services, Inc. dated February 11, 2005, and recorded in Deed Book F35, Page 259, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment , securing a Note in the original principal amount of $116,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, March 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 99 OF THE 1ST DISTRICT, LUMPKIN COUNTY, GEORGIA CONSISTINGOF 1.00 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT #26 ON A PLAT OF SURVEY OF THE COPPER PINES SUBDIVISION PREPARED BY MIKE SCUPIN & ASSOCIATES, GEORGIA REGISTERED LAND SURVEYOR, DATED JANUARY 10, 1985, AND RECORDED IN PLAT BOOK 13, PAGE 91, LUMPKIN COUNTY RECORDS. SAID PLAT IS INCORPORATED HEREIN BY REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR THE COPPER PINES SUBDIVISION WHICH IS RECORDED IN DEED BOOK B-5, PAGES 732-736, LUMPKIN COUNTY RECORDS.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE.

THIS CONVEYANCE IS MADE SUBJECT TO ANY EASEMENTS OF RECORDS OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED.

Said property is known as 164 Jessica Trail, Murrayville, GA 30564, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.

The property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Margarita L. Harmon, Margarita L. Harmon or a tenant or tenants. The proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Wells Fargo Bank, N.A. as Attorney-in-Fact for Margarita L. Harmon

File no. 11-023835

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770)220-2535/KB

www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Richard Lincoln Harris and Martha Hope Hughes Harris to Bank of America, N.A., dated January 28, 2010, recorded in Deed Book 1187, Page 485, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED THOUSAND TWO HUNDRED FIFTY AND 0/100 DOLLARS ($300,250.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Richard Lincoln Harris and Martha Hope Hughes Harris or a tenant or tenants and said property is more commonly known as 225 Clyde Barrett Rd, Dahlonega, Georgia 30533. 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.

as Attorney in Fact for

Richard Lincoln Harris and Martha Hope Hughes Harris

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/krc1 3/6/12

Our file no. 539312-FT10

EXHIBIT “A”

All that certain parcel of land situated in Land Lot 900 & 921, 12th District, 1st Section, and being 3.218 acres, more or less, Lumpkin County, State of Georgia, being known and designated according to that plat of survey for Richard and Hope Harris by Geoimage, L.L.C. dated December 7, 2006, recorded in Cabinet One, Slide 141, Page 08A, and as revised May 4, 2007 recorded in Cabinet One, Slide 148, Page 151A. By fee simple deed from Hope Harris as set forth in Deed Book 1018, Cert # 577-578 dated 12/07/2006 and recorded 12/15/2006, Lumpkin County Records, State of Georgia. Tax/Parcel ID: 060B 017 MR/krc1 3/6/12 Our file no. 539312 - FT10

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from NOREEN O. HEMMIS AND RON K. HEMMIS to Homebanc Mortgage Corportation, dated August 31, 2006, recorded September 11, 2006, in Deed Book 1004, Page 385-404, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Fifteen Thousand Five Hundred and 00/100 dollars ($115,500.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-18, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THATT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 714 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGIN AT AN IRON PIN FOUND ON THE WESTERLY SIDE OF IVIE TERRACE ( A 60 FOOT RIGHT OF WAY), 363.10 FEET SOUTHERLY FROM THE INTERSECTION OF THE WESTERLY SIDE OF IVIE TERRACE WITH THE RIGHT OF WAY OF OAK GROVE ROAD; THENCE ALONG THE WESTERLY SIDE OF OAK GROVE ROAD THE FOLLOWING CALLS AND DISTANCES; SOUTH 02 DEGREES 47 MINUTES 11 SECONDS WEST; 71.29 FEET; SOUTH 14 DEGREES 34 MINUTES 41 SECONDS WEST,40.45 FEET; SOUTH 20 DEGREES 04 MINUTES 28 SECONDS 59.77 FEET TO AN IRON PIN FOUND; THENCE LEAVING THE WESTERLY SIDE OF IVIE TERRACE NORTH 69 DEGREES 12 MINUTES 17 SECONDS WEST, 171.47 FEET TO A POINT IN THE CENTER OF AN OLD FIELD ROAD; THENCE ALONG THE CENTERLINE OF THE OLD FIELD ROAD THE FOLLOWING CALLS AND DISTANCES; NORTH 02 DEGREES 18 MINUTES 50 SECONDS WEST, 15.38 FEET ; NORTH 07 DEGREES 09 MINUTES 49 SECONDS WEST 24.74 FEET; NORTH 18 DEGREES 46 MINUTES 18 SECONDS WEST, 22.05 FEET; NORTH 23 DEGREES 53 MINUTES 45 SECONDS WEST, 29.16 FEET; NORTH 18 DEGREES 55 MINUTES 43 SECONDS WEST, 24.49 FEET; NORTH 00 DEGREES 11 MINUTES 50 SECONDS WEST 51.83 FEET; THENCE LEAVING THE CENTERLINE OF THE OLD FIELD ROAD SOUTH 75 DEGREES 51 MINUTES 36 SECONDS EAST, 232.55 FEET TO AN IRON PIN FOUND AT THE POINT OF BEGINNING. LESS AND EXCEPT ANY PART OF THE ABOVE DESCRIBED PROPERTY LYING IN THE RIGHT OF WAY OF THE OLD FIELD ROAD. ALSO CONVEYED HEREIN IS A PERPETUAL EASEMENT 10 FEET IN WIDTH FOR A WATER LINE SERVING THE ABOVE PROPERTY AS MORE PARTICULARLY DESCRIBED IN QUIT CLAIM DEED FROM J. RUSSELL IVIE AND J.B. JONES, JR., TO CLARENCE BROWN AND ROGER WARD, DATED JANUARY 8, 1979, AND RECORDED JANUARY 10, 1979 AT DEED BOOK V3, PAGE 73, LUMPKIN COUNTY RECORDS.

Said legal description being controlling, however the property is more commonly known as 110 IVY TERRACE, DAHLONEGA, GA 30533.

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 (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is NOREEN O. HEMMIS AND RON K. HEMMIS, NOREEN O. HEMMIS, RON K. HEMMIS, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is:

Lender Contact: SPECIALIZED LOAN, Loss Mitigation Dept., 8742 Lucent Blvd., Suite 300, Highlands Ranch, CO 80122

Telephone Number: 720-241-7200

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-18

as Attorney in Fact for

NOREEN O. HEMMIS AND RON K. HEMMIS

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092

Telephone Number: (877) 813-0992 Case No. SPL-11-09672-0003

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of the power of sale contained in a Security Deed from Melissa J. Howard to JPMorgan Chase Bank, N.A. dated April 26, 2010 recorded in Deed Book 1159, Page 322-341, Lumpkin County Records, and last assigned to JPMorgan Chase Bank, National Association A/K/A JPMorgan Chase Bank, N.A., conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND TWO HUNDRED FORTY-EIGHT AND 00/100 ($131,248.00), 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 Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday, March 6, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 847 of the 5th District, 1st Section of Lumpkin County, Georgia, designated as Lot 22 of Mill Creek Station Subdivision, as shown on plat of survey recorded in Plat Cabinet 1, Slide 119, Page 178, Lumpkin County, Georgia Records, said plat being incorporated herein by reference for a more complete description.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including attorneyís fees, notice of intent to collect attorneyís fees having been given.

Said property will be sold subject to any outstanding ad valorem taxes, 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 Melissa J. Howard or, a tenant or tenants, and said property was or is commonly known as 380 Pine Tree Drive, Dawsonville, GA 30534.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association A/K/A JPMorgan Chase Bank, N.A.

As Attorney in Fact for

Melissa J. Howard

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-12017

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jason M Kenney and Laura Polangco Kenney to Mortgage Electronic Registration Systems, Inc. as nominee for Homestar Financial Corporation, its successors and assigns dated March 31, 2008 in the amount of $129,300.00, and recorded in Deed Book 1088, Page 481, Lumpkin County, Georgia Records; as last transferred to Nationstar Mortgage LLC by assignment; the undersigned, Nationstar Mortgage LLC 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 590 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 4.45 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated March 7, 2008, prepared for Jason Michael Kenney by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 164, Plat 70B, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to all easements for roads and utilities in use or of record.

which has the property address of 239 Still Rd, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Jason M Kenney and Laura Polangco Kenney 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.

Nationstar Mortgage LLC

Attorney in Fact for

Jason M Kenney and Laura Polangco Kenney

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 11-17617 /FNMA/lfairgood

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA

COUNTY OF LUMPKIN

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement dated October 11, 2006, executed by MONTALUCE, LLC, a Georgia limited liability company f/k/a Montalvina, LLC in favor of Branch Banking and Trust Company, and recorded in Deed Book 1010, Page 247, Lumpkin County, Georgia records, as amended by that certain Amendment to Deed to Secure Debt and Security Agreement and Assignment of Agreements, Permits and Contracts dated January 8, 2008, and recorded in Deed Book 1081, Page 511, aforesaid records, as amended by that certain Amendment to Deed to Secure Debt and Security Agreement and Assignment of Agreements, Permits and Contracts dated February 20, 2009, and recorded in Deed Book 1124, Page 534, aforesaid records (as amended, the “Security Deed”); as assigned to GERMAN AMERICAN CAPITAL CORPORATION, a Maryland corporation, by Assignment of Security Instruments dated as of March 29, 2011, filed for record on April 22, 2011, recorded in Deed Book 1185, Page 715, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday in March, 2012 to the highest and best bidder for cash the following property described in said Security Deed (collectively, the “Premises”), to wit:

All that certain tract or parcel of land more particularly described below (hereinafter referred to as the “Land”):

All that tract or parcel of land lying and being in Land Lots 218, 219, 220, 271, 272, 273, 288, 289, 290, 341, 342, 343, 344, 358, 359, & 360 of the 12th District, 1st Section, Lumpkin County Georgia, described as follows:

Commencing at a 1” Pipe common to the North East corner of Land Lot 218 and the North West corner of Land Lot 273; thence North 86°16’35” East, a distance of 1303.24 feet to a concrete monument; thence North 87°14’08” East, a distance of 603.12 feet to a 5/8” rebar; thence North 87°11’14” East, a distance of 782.20 feet to an axle; thence North 51°13’46” East, a distance of 75.17 feet to an axle; thence North 86°39’38” East, a distance of 494.13 feet to a 5/8” rebar; thence North 87°02’33” East, a distance of 834.10 feet to an axle; thence North 03°34’31” West, a distance of 37.74 feet to a 5/8” rebar on the Right of-way of Hightower Road; thence along and with the Right-of-Way of Hightower Road the following courses and distances: South 33°31’50” East, a distance of 20.28 feet to a point; thence South 35°16’01” East, a distance of 191.17 feet to a point; thence leaving the Right-of Way of Hightower Road North 89°39’57” West, a distance of 118.34 feet to a point; thence South 00°22’51” East, a distance of 1310.33 feet to a 3⁄4” Pipe; thence North 86°06’04” East, a distance of 659.59 feet to a 3/8” Rebar; thence South 03°27’37” East, a distance of 203.88 feet to a 3/8” Rebar; thence South 59°36’24” East, a distance of 136.87 feet to a point, thence South 29°40’40” East, a distance of 67.84 feet to a 5/8” Rebar in fence line on the Right-of-Way of Hightower Road; thence along and with the Right-of Way of Hightower Road the following courses and distances: South 09°56’33” West, a distance of 88.24 feet to a point; thence South 10°17’04” West, a distance of 111.84 feet to a point; thence south 08°02’14” West, a distance of 125.75 feet to a point; thence South 01°05’29” West, a distance of 51.35 feet to a point; thence South 07°57’10” East, a distance of 61.12 feet to a point; thence South 17°25’11” East, a distance of 41.49 feet to a point; thence South 25°49’08” East, a distance of 17.66 Feet to a point; thence South 25°49’08” East, a distance of 41.18 feet to a point; thence South 33°29’10” East, a distance of 60.45 feet to a point; thence South 42°24’52” East, a distance of 245.90 feet to a point; thence South 43°56’22” East, a distance of 88.52 feet to a point; thence South 42°27’37” East, a distance of 85.30 feet to a point; thence South 39°54’34” East, a distance of 76.14 feet to a point; thence South 37°44’01” East, a distance of 18.87 feet to a 1⁄2” Rebar; thence leaving the Right-of Way of Hightower Road South 86°16’41” West, a distance of 1203.79 feet to a 1” Rod; thence South 06°32’57” East, a distance of 1314.71 feet to a 1⁄2” Rebar; thence South 86°36’26” West, a distance of 653.69 feet to a 5/8” Rebar; thence South 85°02’36” West, a distance of 204.17 feet to 5/8” Rebar at the Easterly Right-of Way of Bryant Road; thence crossing Bryant Road South 85°06’32” West, a distance of 30.95 feet to a 3⁄4” Pipe at the Westerly Right-of-Way of Bryant Road; thence South 87°52’48” West, a distance of 504.41 feet to a 3/8” Rear; thence North 03°30’45” West, a distance of 880.61 feet to a 5/8” Rebar; thence North 03°30’45” West, a distance of 50.00 feet to a 1⁄2” Rebar in the center of Old School Road; thence along the centerline of Old School Road the following courses and distances: South 71°50’28” West, a distance of 41.40 feet to a point; thence South 89°43’01” West, a distance of 82.50 feet to a point; thence North 82°23’35” West, a distance of 99.76 feet to a point; thence North 80°13’16” West, a distance of 45.39 feet to a point; thence North 44°32’32” West, a distance of 55.49 feet to a point; thence North 32°45’55” West, a distance of 63.24 feet to a point; thence North 51°34’51” West, a distance of 44.50 feet to a point, thence North 78°30’40” West, a distance of 115.12 feet to a point; thence South 84°42’08” West, a distance of 41.11 feet to a point, thence South 65°22’14” West, a distance of 60.58 feet to a point; thence South 56°12’46” West, a distance of 65.33 feet to a point; thence South 52°16’52” West, a distance of 72.92 feet to a point; thence South 43°33’09” West, a distance of 68.01 feet to a point; thence South 37°26’43” West, a distance of 77.73 feet to a point; thence South 48°15’09” West, a distance of 60.84 feet to a point; thence South 54°04’31” West, a distance of 62.20 feet to a point; thence South 52°30’44” West, a distance of 72.84 feet to a point, thence South 63°26’30” West, a distance of 73.57 feet to a point; thence South 70°45’32” West, a distance of 78.04 feet to a point; thence South 74°28’44” West, a distance of 102.41 feet to a point; thence South 74°40’36” West, a distance of 96.47 feet to a point; thence South 74°37’40” West, a distance of 175.10 feet to a point; thence South 71°53’15” West, a distance of 116.91 feet to a point; thence South 72°48’53” West, a distance of 119.48 feet to a point; thence South 71°29’28” West, a distance of 117.49 feet to a point; thence South 67°18’10” West, a distance of 57.15 feet to a point; thence South 59°44’35” West, a distance of 43.71 feet to a point; thence South 42°36’21” West, a distance of 36.83 feet to a point; thence South 34°53’35” West, a distance of 54.28 feet to a point; thence South 30°56’54” West, a distance of 58.30 feet to a point; thence South 26°18’17” West, a distance of 40.61 feet to a point; thence South 15°11’11” West, a distance of 50.36 feet to a point; thence South 01°26’28”East, a distance of 34.54 feet to a point; thence South 23°26’55” East, a distance of 29.92 feet to a 5/8” Rebar on the Right -of-way of Jay Bridge Road; thence along and with the Right-of-way of

Jay Bridge Road the following courses and distances: North 68°01’28”

West, a distance of 58.81 feet to a point; thence North 82°20’57” West, a distance of 80.50 feet to a point; thence North 87°46’35” West, a distance of 96.53 feet to a point; thence North 87°00’31” West, a distance of 132.65 feet to a point; thence North 86°02’47” West, a distance of 84.17 feet to a point; thence South 89°9’02” West, a distance of 41.50 feet to a point; thence North 00°20’58” West, a distance of 20.00 feet to a point; thence South 89°39’02” West, a distance of 61.22 feet to a point; thence South 77°47’35” West, a distance of 117.53 feet to a point; thence South 57°06’19” West, a distance of 33.61 feet to a 5/8” Rebar; thence leaving the Right-of-Way of Jay Bridge Road and along and 10 feet back from the edge of the Etowah River the following courses and distances: North 16°47’45” East, a distance of 85.36 feet to a point; thence North 14°58’55” East, a distance of 65.82 feet to a point; thence North 06°32’49” East, a distance of 113.20 feet to a point; thence North 04°05’18” East, a distance of 91.75 feet to a point; thence North 25°08’03” East, a distance of 103.55 feet to a point; thence North 27°01’56” East, a distance of 44.36 feet to a point; thence North 29°57’46” East, a distance of 90.78 feet to a point; thence North 25°30’16” East, a distance of 68.65 feet to a point; thence North 08°01’18” East, a distance of 36.90 feet to a point; thence North 37°38’31” East, a distance of 29.73 feet to a point; thence North 21°57’52” East, a distance of 85.50 feet to a point; thence North 17°35’12” East, a distance of 126.78 feet to a point; thence North 15°30’50” East, a distance of 73.74 feet to a point; thence North 11°41’13” East, a distance of 92.05 feet to a point; thence North 12°52’10” East, a distance of 66.57 feet to a point; thence North 08°32’54” East, a distance of 112.65 feet to a point; thence North 02°36’04” East, a distance of 67.17 feet to a point; thence North 01°32’29” East, a distance of 90.52 feet to a point; thence North 08°41’05” West, a distance of 35.79 feet to a point; thence North 01°49’05” West, a distance of 78.74 feet to a point; thence North 18°10’40” West, a distance of 68.77 feet to a point; thence North 16°24’06” West, a distance of 102.55 feet to a point; thence North 48°21’11” West, a distance of 33.20 feet to a point; thence North 69°17’54” West, a distance of 43.78 feet to a point; thence North 68°53’40” West, a distance of 91.54 feet to a point; thence North 71°31’100” West, a distance of 111.58 feet to a point; thence North 78°07’55” West, a distance of 118.35 feet to a point; thence North 89°59’51” West, a distance of 68.80 feet to a point; thence North 85°31’26” West, a distance of 160.25 feet to a point; thence North 78°16’15” West, a distance of 68.02 feet to a point; thence North 79°57’56” West, a distance of 50.71 feet to a point; thence North 75°36’28” West, a distance of 98.48 feet to a point; thence North 71°48’59” West, a distance of 85.24 feet to a point; thence North 70°31’35” West, a distance of 71.47 feet to a point; thence North 67°39’45” West, a distance of 24.13 feet to a point; thence North 76°06’42” West, a distance of 78.76 feet to a point; thence North 76°38’02” West, a distance of 39.76 feet to a point; thence North 83°53’53” West, a distance of 45.25 feet to a point; thence North 65°22’04” West, a distance of 24.57 feet to a point; thence South 88°48’32” West, a distance of 31.83 feet to a point; thence South 71°05’31” West, a distance of 54.54 feet to a point; thence North 71°02’51” West, a distance of 23.72 feet to a point; thence North 65°36’08” West, a distance of 36.50 feet to a point; thence North 46°55’41” West, a distance of 42.14 feet to a point; thence North 37°39’14” West, a distance of 67.37 feet to a point; thence North 33°57’52” West, a distance of 56.67 feet to a point; thence North 17°24’13” West, a distance of 49.07 feet to a point; thence North 12°03’29” West, a distance of 71.48 feet to a point; thence North 03°34’30” West, a distance of 57.14 feet to a point; thence North 07°03’32” East, a distance of 50.76 feet to a point; thence North 09°02’34” West, a distance of 42.29 feet to a 1⁄2” Rebar on the South line of Land Lot 218; thence Westerly along the south line of Land Lot 218 a distance of 195.89 feet more or less to the South West corner of Land Lot 218; thence Northerly along the West line of Land Lot 218 a distance of 1279.46 feet more or less to the North West corner of Land Lot 218; thence Easterly along the North line of Land Lot 218, a distance of 1296.06 feet more or less to a 1” Pipe at the true Point of Beginning. Containing 399.435 Acres, more or less.

LESS AND EXCEPT:

Pomino Phase - Lots 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, and 11, Plat Cabinet 1, Slide 147, Pages121-124.

Cottage Phase - Lots 1A, 2A, 3A, 4A, 5A, 6A, 8A, 3B, 4B, 5B, 6B, 7B, 10B, 1IB, 4D, 23D, 24D, 25D, Plat Cabinet 1, Slide 150, Pages 192-196, and Plat Cabinet 1, Slide 157, Pages 138-142.

Estate Phase-Lots 1, 2, 3, 4, 6, 7, 10, 13, 14, 16, 44, 45, 46, 47, 48, 71, 72, 73, 85, 86, 87, and 89, Plat Cabinet 1, Slide 151, Pages 2-13.

Villas - Lots IE, 5E, 7E, 8E, and 8G, Plat Cabinet 1, Slide 152, Pages 30-34, and Plat Cabinet 1, Slide 157, Pages 133-137.

TOGETHER WITH: All buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter placed on or in the Land; and all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter located thereon, or any part thereof, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payments in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof, and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same.

The debt secured by the Security Deed is evidenced by that certain Revolving Line of Credit Note dated October 11, 2006, executed by MONTALUCE, LLC, a Georgia limited liability company f/k/a Montalvina, LLC in favor of Branch Banking and Trust Company, a North Carolina banking corporation, as assigned to German American Capital Corporation (“Lender”) in the original principal amount of Ten Million and No/100 Dollars ($10,000,000.00) (as modified and/or amended from time to time, including that certain Amendment to Promissory Note dated January February 20, 2009, increasing the principal amount to Twelve Million Three Hundred Eighteen Thousand and No/100 Dollars ($12,318,000.00), the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.

Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.

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 attorneys’ fees, notice of intent to collect attorneys’ fees having been given. Said Premises will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the Premises, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final audit and confirmation of the status of the loan with the holder of the Security Deed.

GERMAN AMERICAN CAPITAL CORPORATION, as Attorney-in-Fact for Montaluce, LLC.

Michael E. Fincher, Esq.

Fincher Law Group, LLC

12600 Deerfield Parkway, Suite 100

Alpharetta, Georgia 30004

(404) 200-8669

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Marguerite Montgomery to Mortgage Electronic Registration Systems, Inc. as nominee for American Mortgage Network, Inc., its successors and assigns dated May 15, 2003 in the amount of $60,150.00, and recorded in Deed Book O31, Page 109, Lumpkin County, Georgia Records; as last transferred to Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment; the undersigned, Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 151 of the 13th District, 1st Section of Lumpkin County, Georgia, containing 1.00 acre, more or less, together with all improvements located thereon and being more particularly described as Tract A-2 according to a Plat of Survey prepared for Todd Cannon by Frederick F. Kauffman dated January 26, 2000, and recorded in Plat Cabinet One, Slide 42, Plat 35-b, Lumpkin County records. Which plat is incorporated herein by reference and made a part hereof by reference.

Also conveyed is a 1995 Redman Mobile Home, Serial #11427989AB.

which has the property address of 6350 Auraria Road, Dawsonville, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Marguerite Montgomery 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.

Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP Attorney in Fact for

Marguerite Montgomery

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 11-18372 /FNMA/cajohnson

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.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed and Agreement from Eric Moore and Kristy Moore to Community & Southern Bank (by virtue of that certain Assignment of Security Instruments and Other Loan Documents, filed and recorded June 9, 2010 in Deed Book 1162, Page 518, LUMPKIN, Georgia Records, assignee of the Federal Deposit Insurance Corporation in receivership of Appalachian Community Bank) (“Community & Southern Bank”), dated November 13, 2006, filed and recorded December 8, 2006 in Deed Book 1017, Page 576, LUMPKIN COUNTY, Georgia Records (as amended, modified, or revised from time to time, “Security Deed”), said Security Deed having been given to secure a Note (the “Note”) in the original principal amount of TWO HUNDRED SIXTY-TWO THOUSAND SIX HUNDRED AND 00/100THS DOLLARS ($262,600.00), 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 LUMPKIN COUNTY, Georgia, within the legal hours for sale on the first Tuesday in March, 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 187 AND 234 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA AND BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY FARLEY-COLLINS & ASSOCIATES, GRLS, DATED OCTOBER 8, 1980 AND AS PER SAID PLAT, THE PROPERTY CONTAINS 5.00 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 6, PAGE 204, LUMPKIN COUNTY RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

TRACT II - ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 187 & 234 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA AND BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY FREDERICK C. YOUNGMAN, GRLS, DATED MARCH 10, 1988 AND AS PER SAID PLAT, THE PROPERTY CONTAINS 3.00 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 19, PAGE 229, LUMPKIN COUNTY RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

TRACT III - ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 183 AND 238 OF THE 12TH DISTRICT 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONTAINING 9.362 ACRES , AS SHOWN ON A PLAT PREPARED FOR HERBERT B. WHITMIRE BY MICHAEL STEWART KELLEY, GRLS, DATED JANUARY 24, 1995, AND RECORDED IN PLAT BOOK 27, PAGE 175, LUMPKIN CO. RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

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 Eric Moore and Kristy Moore 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. Community & Southern Bank and its counsel are acting as debt collectors. Any information obtained will be used for that purpose.

Community & Southern Bank as Attorney-in-Fact for Eric Moore and Kristy Moore

Contact: Guillermo Todd, Esq.

Busch, Slipakoff & Schuh, LLP

3350 Riverwood Parkway, Suite 1550

Atlanta, Georgia 30339

Telephone (770) 790-3550

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jerry W Ownby to Mortgage Electronic Registration Systems, Inc. as nominee for American Financial Resources, Inc., its successors and assigns dated June 24, 2009 in the amount of $103,530.00, and recorded in Deed Book 1137, Page 142, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

The following described real property situate in the City of Dahlonega, County of Lumpkin, and State of Georgia, to wit:

Tract One: All that tract or parcel of land lying in Land Lot 490 in the 15th District, 1st Section of Lumpkin County, Georgia, consisting of 1.01 acres, more or less, and being more fully described and delineated as Lot 2 according to a plat of survey of The Cambridge Subdivision June 9, 1988 by Michael S. Scupin, Georgia Registered Surveyor, which is recorded in Plat Book 18, Page 143, Lumpkin County Records, and which is incorporated by reference herein.

Tax ID #: 094 072

By Fee Simple Deed from Sandra W. Own by as set forth in Deed Book P13, Page 000333 and recorded on 7/15/1994, Lumpkin County Records.

The Source Deed as stated above is the last record of vesting filed for this property. There have been no vesting changes since the date of the above referenced source.

which has the property address of 430 Kate Road, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Jerry W Ownby and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC Attorney in Fact for

Jerry W Ownby

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

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.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Cellso D. Perez to Wells Fargo Home Mortgage, Inc., dated June 28, 2002, recorded in Deed Book O29, Page 200, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of EIGHTY-SIX THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($86,500.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Celso D. Perez or a tenant or tenants and said property is more commonly known as 523 Jeff Sullens Road, Dahlonega, Georgia 30533. 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.

Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc.

as Attorney in Fact for

Cellso D. Perez

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/tg5 3/6/12

Our file no. 51525011-FT7

EXHIBIT “A”

All that tract or parcel of land lying in Land Lot 73 of the 11th Land District, originally Hall now Lumpkin County, Georgia, containing 1.000 acres more or less and being described on a plat of survey dated February 2, 1996 for Jeff Smith, recorded in Plat Book 30, Page 43, Lumpkin County records; said plat being incorporated herein by reference for a more complete description of property. Also conveyed herewith is a 2002 Fleetwood Eagle Trace, 24 X 48 manufactured home, Serial Number GAFL154AB86711-ET11 which is attached to and made a part of the real property. MR/tg5 3/6/12 Our file no. 51525011 - FT7

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Jimmie R Pruitt to JPMorgan Chase Bank, N.A., dated April 21, 2005, recorded in Deed Book R35, Page 735, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWENTY THOUSAND AND 0/100 DOLLARS ($220,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 119, 11th District, Lumpkin County, Georgia, and being Lot 3, Phase I, Gold Cove Subdivision, as shown on plat, recorded in Plat Book 28, Page 154, Lumpkin County, Georgia Records. 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). JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Jimmie R Pruitt or a tenant or tenants and said property is more commonly known as 211 Gold Crest Drive, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association also known as JPMorgan Chase Bank, N.A.

as Attorney in Fact for

Jimmie R Pruitt

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181

www.jflegal.com

MSP/lnu 3/6/12

Our file no. 1878711-FT20

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Salvatore J. Ranfone to Mortgage Electronic Registration Systems, Inc., dated June 18, 2007, recorded in Deed Book 1051, Page 656, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 197, Page 26, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-TWO THOUSAND TWO HUNDRED FIFTY AND 0/100 DOLLARS ($242,250.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Salvatore J. Ranfone or a tenant or tenants and said property is more commonly known as 16 Deer Ridge Trail, Dahlonega, Georgia 30533.

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

Salvatore J. Ranfone

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/ts1 3/6/12

Our file no. 5197810-FT14

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 583 of the 12th District, 1sr Section Lumpkin County, Georgia, being Lot 89, Phase II of Crooked Creek Subdivision, as per plat thereof recorded in Plat Cabinet 1 Slide 110, Page 186A & 187-195, Lumpkin County, Georgia records, which recorded plat is incorporated herein by reference and made a part of this description. MR/ts1 3/6/12 Our file no. 5197810 - FT14

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Diane Roddy to Mortgage Electronic Registration Systems, Inc., dated December 5, 2006, recorded in Deed Book 1017, Page 565, Lumpkin County, Georgia Records and as re-recorded in Deed Book 1022, Page 76, Lumpkin 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 1170, Page 170, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-TWO THOUSAND NINE HUNDRED FOURTEEN AND 0/100 DOLLARS ($132,914.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Diane Roddy or a tenant or tenants and said property is more commonly known as 329 Summer Glen Road, Dahlonega, Georgia 30533. 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 Diane Roddy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/dlc1 3/6/12

Our file no. 52263710-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, being Tract 1, containing 1.72 acres on Summer Glen Road as per plat of survey recorded at Plat Cabinet 1, Slide 91, Page 16, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Also conveyed herewith: A 2004 Horton “Boss” Manufactured Home, 30 X 68, VIN # GEO 1403359 and GEO 1403360. MR/dlc1 3/6/12 Our file no. 52263710 - FT11

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Bryan T. Schoonmaker to Mortgage Electronic Registration Systems, Inc., dated January 7, 2005, recorded in Deed Book B35, Page 80, Lumpkin County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment recorded in Deed Book 1172, Page 147, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-SEVEN THOUSAND NINE HUNDRED TEN AND 0/100 DOLLARS ($197,910.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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: JPMorgan Chase Bank, National Association, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Bryan T. Schoonmaker or a tenant or tenants and said property is more commonly known as 450 Lake Laurel Drive, Dahlonega, Georgia 30533. 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. JPMorgan Chase Bank National Association successor by merger to Chase Home Finance LLC

as Attorney in Fact for

Bryan T. Schoonmaker McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/em2 3/6/12

Our file no. 52366610-FT18

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 126 and 127 of the 11th District of Lumpkin County, Georgia, being Lot 40, Laurel Forest Subdivision, as per plat recorded in Plat Cabinet 1, Slide 72, Plat 31, Lumpkin County, Georgia records, which plat is incorporated herein and made a part hereof by reference. MR/em2 3/6/12 Our file no. 52366610 - FT18

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Edward Shaw and Kimberly Shaw to Mortgage Electronic Registration Systems, Inc., as nominee for Equifirst Corporation dated 12/22/2005 and recorded in Deed Book C 37 Page 322, LUMPKIN County, Georgia records; as last transferred to US Bank National Association as Trustee by Assignment filed for record in LUMPKIN County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 109,800.00, 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 LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012 (March 06, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE FIRST (1ST) DISTRICT OF ORIGINALLY HABERSHAM, NOW LUMPKIN COUNTY, AND BEING 1/2 ACRES, MORE OR LESS, OF LAND LOT NUMBER NINETY-EIGHT (98) IN SAID DISTRICT AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT AN IRON PIN ON THE NORTHEASTERLY SIDE OF E.D. BURGESS ROAD AT A FENCE ON THE

WEST LINE OF THE EUGENE CHAPMAN PROPERTY; RUNNING THENCE IN A NORTHERLY DIRECTION

ALONG THE FENCE 363 FEET, MORE OR LESS, TO AN IRON PIN AT A FENCE CORNER; RUNNING THENCE IN

AN EASTERLY DIRECTION ALONG THE FENCE 47 FEET, MORE OR LESS, TO AN IRON PIN AT A FENCE

CORNER, RUNNING THENCE IN A SOUTHERLY DIRECTION ALONG THE FENCE 393 FEET MORE OR LESS, TO

AN IRON PIN ON THE NORTHERLY SIDE OF THE E.D. BURGESS ROAD; RUNNING THENCE IN A WESTERLY

DIRECTION ALONG THE NORTHERLY SIDE OF THE ROAD 51 FEET, MORE OR LESS, TO AN IRON PIN AT THE

EUGENE CHAPMAN FENCE AND THE POINT OF BEGINNING.

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 44 Starbridge Road, Murrayville, GA 30564 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): Kimberly Shaw and Edward Shaw or tenant or tenants.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) 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.

US Bank National Association as Trustee as agent and Attorney in Fact for Edward Shaw and Kimberly Shaw

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. 1165-520

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Brian L Smith and Megan N Smith to Mortgage Electronic Registration Systems, Inc. as nominee for Liberty Mortgage Corporation, its successors and assigns dated September 1, 2006 in the amount of $105,000.00, and recorded in Deed Book 1005, Page 79, Lumpkin County, Georgia Records; as last transferred to Branch Banking and Trust Company by assignment; the undersigned, Branch Banking and Trust Company 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 29 of the 13th Land District, 1st Section of Lumpkin County, Georgia, designated as Lot 56 of Chesterra Subdivision,, containing 1.60 acres, as shown on plat of survey prepared by Michael L. Scupin, Georgia Registered Land Surveyor No. 1964, recorded in Plat Book 13, Page 92, Lumpkin County, Georgia records, said plat being incorporated herein by reference for a more complete description

which has the property address of 52 Valley Run Court, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Brian L Smith and Megan N 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.

Branch Banking and Trust Company

Attorney in Fact for

Brian L Smith and Megan N Smith

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 12-00759 /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.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Terry Stapleton and Amy Stapleton to Mortgage Electronic Registration Systems, Inc., dated January 3, 2007, recorded in Deed Book 1023, Page 537, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1195, Page 78, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-SIX THOUSAND TWO HUNDRED AND 0/100 DOLLARS ($176,200.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Terry Stapleton and Amy Stapleton or a tenant or tenants and said property is more commonly known as 133 Corbin Ln, Dahlonega, Georgia 30533. 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

Terry Stapleton and Amy Stapleton

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/tlj 3/6/12

Our file no. 51267211-FT14

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 205 of the 15th District, 1st Section of Lumpkin County, Georgia, being 1.407 acres, more or less, and being more particularly set out as Lot 3-A on a Plat of Survey dated October 26, 2004, prepared for Michael R. Glean, by Randall E. Nichols, Georgia Registered Land Surveyor, recorded in Plat Cabinet 1, Slide 107, Plat 129B, Lumpkin County, Georgia Records. Address: 133 Corbin Ln.; Dahlonega, GA 30533 Tax Map or Parcel ID No.: 089-126 MR/tlj 3/6/12 Our file no. 51267211 - FT14

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

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 Dina G Warcop and Kermit W Warcop to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $110,700.00 dated 08/12/2002, and recorded in Deed Book W-29, page 393, Lumpkin County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of March, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Dina G Warcop and Kermit W Warcop the following described property:

All that tract or parcel of land lying and being in Land Lot 115 of the 11th District of Lumpkin County (Originally Hall County), being shown and depicted as Tract A, being a 3,00 acre parcel, per Plat of same recorded at Plat Cabinet 1, Slide 49, Page 172, Lumpkin County, Georgia records, which plat is incorporated herein by reference and made a part hereof by reference.

Property known as: 375 Grainger Road, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Dina G Warcop and Kermit W Warcop.

CitiMortgage, Inc., as Attorney-in-fact for Dina G Warcop and Kermit W Warcop.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-00725

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

Notice of Sale Under Power

Under and by virtue of the power of sale contained in a Security Deed from A. DALE WILLIAMS, III to UNITED COMMUNITY BANK, dated April 4, 2003, recorded April 7, 2003, in Deed Book D31, Page 334, Lumpkin County, Georgia records, as last modified by Modification of Security Deed dated January 23, 2012 and recorded in Deed Book 1204, Page 587, Lumpkin County, Georgia records, said Security Deed being given to secure a Note from A. DALE WILLIAMS, III dated April 10, 2009 in the original principal amount of Eighty Nine Thousand Five Hundred Eighty Seven and 19/100 ($89,587.19) 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 Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 123, 4th District, 1st Section, Lumpkin County, Georgia, described as Tract A, containing 1.34 acres, more or less, and Tract B, containing 2.07 acres, more or less, as shown on that survey for UCBI dated March 23, 2011, prepared by Roger N. London, RLS No. 2592, London Land Surveying, Job. No. 11024, and being more particularly described according to said survey as follows:

TRACT A:

To find the true point of beginning, commence at the centerline intersection of Kelli Lane and Hester Gap Road and from thence proceed South 67 degrees 39 minutes 54 seconds East 1004.7 feet to a point along the southern right of way of Kelli Lane, being the true point of beginning. From the true point of beginning, proceed along the southern right of way of Kelli Lane the following thirteen courses and distances: South 83 degrees 47 minutes 30 seconds East 2.34 feet to a point; South 77 degrees 43 minutes 30 seconds East 37.81 feet to a point; South 54 degrees 55 minutes 11 seconds East 24.89 feet to a point; South 25 degrees 20 minutes 22 seconds east 30.95 feet to a point; South 09 degrees 39 minutes 19 seconds East 42.16 feet to a point; South 09 degrees 40 minutes 03 seconds East 47.52 feet to a point; South 14 degrees 53 minutes 43 seconds East 46.67 feet to a point; South 22 degrees 02 minutes 05 seconds East 43.76 feet to a point; South 22 degrees 00 minutes 04 seconds East 32.01 feet to a point; South 01 degrees 49 minutes 37 seconds East 17.25 feet to a point; South 06 degrees 02 minutes 20 seconds West 7.61 feet to a point; South 11 degrees 26 minutes 51 seconds West 49.02 to a point; and South 11 degrees 15 minutes 37 seconds West 33.47 feet to a 1⁄2 inch rebar iron pin found; thence leaving said right of way and proceeding North 74 degrees 17 minutes 54 seconds West 490 feet to a 1⁄2 inch crimped top pipe in a rock pile; thence proceeding North 88 degrees 06 minutes 36 seconds East 313.78 feet to a 1⁄2 inch metal rod iron pin found; thence North 12 degrees 02 minutes 17 seconds East 221.92 feet to a point along the southern right of way of Kelli Lane, the same being the true point of beginning.

TRACT B:

To find the true point of beginning, commence at the centerline intersection of Kelli Lane and Hester Gap Road and from thence proceed South 67 degrees 39 minutes 54 seconds East 1004.7 feet to a point along the southern right of way of Kelli Lane; thence continue along said right of way the following 13 courses and distances: South 83 degrees 47 minutes 30 seconds East 2.34 feet to a point; South 77 degrees 43 minutes 30 seconds East 37.81 feet to a point; South 54 degrees 55 minutes 11 seconds East 24.89 feet to a point; South 25 degrees 20 minutes 22 seconds east 30.95 feet to a point; South 09 degrees 39 minutes 19 seconds East 42.16 feet to a point; South 09 degrees 40 minutes 03 seconds East 47.52 feet to a point; South 14 degrees 53 minutes 43 seconds East 46.67 feet to a point; South 22 degrees 02 minutes 05 seconds East 43.76 feet to a point; South 22 degrees 00 minutes 04 seconds East 32.01 feet to a point; South 01 degrees 49 minutes 37 seconds East 17.25 feet to a point; South 06 degrees 02 minutes 20 seconds West 7.61 feet to a point; South 11 degrees 26 minutes 51 seconds West 49.02 to a point; and South 11 degrees 15 minutes 37 seconds West 33.47 feet to a 1⁄2 inch rebar iron pin found, the same being the true point of beginning. From the true point of beginning, continue to proceed along said right of way of Kelli Lane the following four courses and distances: South 11 degrees 15 minutes 37 seconds West 14.62 feet to a point; South 16 degrees 00 minutes 26 seconds West 48.32 feet to a point; South 15 degrees 14 minutes 28 seconds West 47.02 feet to a point; and South 13 degrees 56 minutes 47 seconds West 23.84 feet to a 1⁄2 inch rebar iron pin found; thence leaving said right of way and proceeding South 89 degrees 45 minutes 13 seconds West 540.19 feet to a 1⁄2 inch rebar iron pin found; thence North 42 degrees 57 minutes 26 seconds East 94.13 feet to an iron pin set with cap; thence North 49 degrees 33 minutes 23 seconds East 54.95 feet to an iron pin set with cap; thence North 32 degrees 20 minutes 24 seconds East 122.15 feet to a 1⁄2 inch crimped top pipe iron pin found in a rock pile; thence North 50 degrees 30 minutes 42 seconds West 88.82 feet to a 1⁄2 inch crimped top iron pin found in a rock pile; thence proceeding South 74 degrees 17 minutes 54 seconds East 490 feet to a 1⁄2 inch rebar iron pin found along the right of way of Kelli Lane, the same being the true point of beginning.

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 A. DALE WILLIAMS, III or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for A. DALE WILLIAMS, III

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-01378

(2/8, 2/15,2/22, 2/29)

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Legals (February 15th edition)
Feb 15, 2012 | 6260 views | 0 0 comments | 10 10 recommendations | email to a friend | print
NOtice of petition to

probate will

PROBATE COURT OF LUMPKIN COUNTY

RE:

PETITION OF Karen Stephens TO PROBATE IN SOLEMN FORM THE WILL OF Marcus Rudolph Stephens, DECEASED, UPON WHICH AN ORDER FOR SERVICE WAS GRANTED BY THIS COURT ON January 20, 2012

To: Clara Ballard, Hilda Jordon, Scott Stephens, Valerie Jones, Larry Stephens and Brenda Stephens, all interested parties and all and singular the heirs of said decedent, 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 February 20, 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/objection; 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.

Michael A. Chastain

PROBATE JUDGE

by Shelley Willson

CLERK OF THE PROBATE COURT

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

(1/25, 2/1, 2/8, 2/15)

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Bert Gooch, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 23rd day of January 2012.

Ruby Gooch, Executor

379 Yahoola Road

Demorest, GA 30533

(2/1, 2/8, 2/15, 2/22)

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Alma Marie Carder Calhoun, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 23rd day of January 2012.

Michael Calhoun, Executor

853 Nimblewill Church Road

Demorest, GA 30533

(2/1, 2/8, 2/15, 2/22)

Order for Publication

In the Superior Court of Lumpkin County

State of Georgia

Kenneth Lamar Reyes,

Plaintiff,

v.

Jose Javier Juarez,

Defendant

Civil Action File No. 11CV769MM

Petitioner having moved the Court for an Order directing service to be made upon Jose Javier Juarez in the foregoing petition, by publication of summons, and it appearing from the Affidavit attached thereto that the Petitioner has exercised due diligence in attempting to locate Respondent Jose Javier Juarez cannot be found within the State, it is ORDERED, that service by made by publication as provided by law.

This 6th day of January, 2012.

Honorable Murphy C. Miller,

Superior Court of Lumpkin County

(2/1, 2/8, 2/15, 2/22)

NOTICE of Intent to

Incorporate

Notice is given that Articles of Incorporation which will incorporate Catch21 Athletics, Inc. has been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code (O.C.G.A. 14-2-201.1). The initial registered office of the corporation is located at 309 Tate Creek Trail, Dahlonega, GA 30533, and its registered agent at such address is Mitchell A. Pittman.

(2/8, 2/15)

NOtice of intent to voluntarily dissolve a corporation

Notice is given that a Notice of Intent to Dissolve Wahoo Creek Farms, Inc., a Georgia corporation with its registered office at 321 Roseberry Lane, Murrayville, GA., 30064, has been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code.

(2/8, 2/15)

Notice of Publication

Notice is hereby given that the business operated at 16 Westbrook Road, Dahlonega, Georgia 30533 in the trade name of Chestatee Animal Hospital is owned and carried on by Gold Rush Veterinary Associates, LLC, whose address is 3950 Indian Shoals Road, Bethlehem, Georgia 30620, and the statement relating thereto required by O.C.G.A. §10-1-490 has been filed with the Clerk of the Superior Court of Lumpkin County, Georgia.

Beverly J. J Hall, Esq.

LaFon & Hall

Attorneys for Gold Rush Veterinary Associates, LLC

P.O. Box 1276

Roswell, GA 30077-1276

(2/8, 2/15)

NOTICE of Incorporation

Notice is given that Articles of Incorporation that will incorporate GSL Services, Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 80 Robinson Road, Dahlonega, GA 30533, and its initial registered agent at such address is Gary Lochbaum.

(2/8, 2/15)

NOTICE TO

DEBTORS AND CREDITORS

STATE OF GEORGIA

COUNTY OF LUMPKIN

All creditors of the Estate of Ellen Hope Alldred, deceased, late of said county and state, are hereby notified to render in their demands to the undersigned according to law, and all persons indebted to said Estate are required to make immediate payment to us.

This 2nd day of February 2012.

James E. Alldred, Administrator

227 Syrup Mill Road

Dahlonega, GA 30533

(2/8, 2/15,2/22, 2/29)

NOtice of petition to probate will

PROBATE COURT OF LUMPKIN COUNTY

RE:

PETITION OF Allison Layne TO PROBATE IN SOLEMN FORM THE WILL OF Julian Lafay Waters, DECEASED, UPON WHICH AN ORDER FOR SERVICE WAS GRANTED BY THIS COURT ON February 3, 2012

To: The heirs of the estate of Julian Lafay Waters, all interested parties and all and singular the heirs of said decedents, 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 March 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/objection; 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.

Michael A. Chastain

PROBATE JUDGE

by Shelley Willson

CLERK OF THE PROBATE COURT

325 Riley Road, Room 122

Dahlonega, Georgia 30533

706-864-3847

( 2/8, 2/15, 2/22, 2/29)

Request for Bids

The City of Dahlonega is now accepting bids for the construction of:

“The Diving Bell Plaza”

Sealed bids will be accepted until Friday, March 9, 2012, at 12:00 p.m. at Dahlonega City Hall. Bid documents and plans can be received at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. Monday-Friday between the hours of 8 a.m. - 5 p.m. A mandatory Pre-Bid meeting will be held at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. on Friday, March 2nd, 2012, at 2 p.m. Please contact Ricky Stewart at 706-564-6133.

( 2/8, 2/15, 2/22, 2/29)

Request for Bids

The City of Dahlonega is now accepting bids for the construction of:

“The Diving Bell Pavillion”

Sealed bids will be accepted until Friday, March 9, 2012, at 12:00 p.m. at Dahlonega City Hall. Bid documents and plans can be received at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. Monday-Friday between the hours of 8 a.m. - 5 p.m. A mandatory Pre-Bid meeting will be held at Dahlonega City Hall, 465 Riley Road, Dahlonega, GA. on Friday, March 2nd, 2012, at 2 p.m. Please contact Ricky Stewart at 706-564-6133.

( 2/8, 2/15, 2/22, 2/29)

PUBLIC NOTICE OF INTENT TO

ABANDON

PORTION OF LARMON FORKS,

SHEEP WALLOW & LITTLE

MOUNTAIN ROADS

The governing authority of Lumpkin County has determined that a portion of Larmon Forks, Sheep Wallow and Little Mountain Roads have ceased to be used by the public to the extent that no substantial public purpose is served by a portion of said roadways, and that the public will benefit from its abandonment.

The governing authority will hold a public hearing on the abandonment of a portion of Larmon Forks, Sheep Wallow and Little Mountain Roads at 6:00 p.m. on the 23rd day of February, 2012, in the 2nd Floor Boardroom of the Lumpkin County Administration Building, 99 Courthouse Hill.

( 2/8, 2/15)

NOTICE OF ELECTION

TO THE QUALIFIED VOTERS OF LUMPKIN COUNTY, GEORGIA

NOTICE IS HEREBY GIVEN that on the 6th day of March, 2012, an election will be held at the regular polling places in all the election districts of Lumpkin County, Georgia (“the County”), at which time there will be submitted to the qualified voters of the county for their determination the question of whether a one percent county special purpose local option sales and use tax (the “SPLOST”) shall be imposed on all sales and uses in the special district created in Lumpkin County for a period of six years for the raising of approximately $18,900,000.00 for the purpose of funding capital outlay projects (“the Projects”) specified in the form of the ballot set forth below.

Shall a special one percent sales and use tax be imposed in the Special District of Lumpkin County for a period of time not to exceed six (6) years and for the raising of an estimated amount of $18,900,000.00 for the purpose of: (a) FUNDING FIRE-EMS FACILITIES, VEHICLES AND EQUIPMENT; PARKS AND RECREATION FACILITIES, EQUIPMENT AND VEHICLES; ROADS, STREETS AND BRIDGE PROJECTS, INCLUDING RESURFACING, EQUIPMENT, VEHICLES AND IMPROVEMENTS; CONTINUING LEASE PAYMENTS FOR ACQUISITION OF THE JUSTICE CENTER (COPS); LIBRARY FACILITIES, EQUIPMENT AND MATERIAL; ADMINISTRATIVE FACILITY PROJECTS; PUBLIC FACILITIES RENOVATIONS INCLUDING EQUIPMENT AND VEHICLES; ANIMAL SHELTER FACILITIES INCLUDING EQUIPMENT AND VEHICLES; CLERK OF COURT ARCHIVES UPGRADE; ECONOMIC DEVELOPMENT PROPERTY ACQUISITION; BOARD OF ELECTION UPGRADES; SENIOR CENTER FACILITIES AND VEHICLES; SHERIFF’S DEPARTMENT EQUIPMENT, FACILITIES AND VEHICLES; WATER AUTHORITY SYSTEM IMPROVEMENTS FOR LUMPKIN COUNTY; and (b) FUNDING SEWER PLANT UPGRADES AND RELATED SEWER LINE REPLACEMENTS FOR THE CITY OF DAHLONEGA?

( ) Yes

( ) No

Kimberly A. Pruitt

Lumpkin County

Supervisor of Elections

(2/8, 2/15,2/22, 2/29)

Notice of Incorporation

Notice is given that Articles of Incorporation which will incorporate Fortress International Ministries Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Corporation Code (O.C.G.A. 14-3-202). The initial registered office of the corporation is located at 145 Torrington Rd, Dahlonega, GA 30533, and its registered agent at such address is Joel Crotzer.

(2/15, 2/22)

Notice of Incorporation

Notice is given that the Articles of Incorporation that will incorporate Georgia Kudzu Corporation have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 152 Oliver Drive, Dahlonega, GA 30533, and its initial registered agent at such address is Harry Van Buren.

(2/15, 2/22)

NOTICE of Incorporation

Notice is given that articles of incorporation which will incorporate Friends of the Lumpkin County Shelter Animals, Incorporated, have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Business Corporation Code. The initial registered office of the corporation is located at 74 Lake Laurel Drive, Dahlonega, and its initial registered agent at such address is Jerrell Riley.

(2/15, 2/22)

Trade Name Registration

Georgia, Lumpkin County

Notice is hereby given that a trade name registration statement has been filed in this office, verified by affidavit of Tricia Scheinoha which affidavit states that he is conducting a business of reseller operating under the trade name of Defender Outlet, located at 393 Lake Laurel Drive, Dahlonega, GA 30533.

Witness my official signature and seal of the Superior Court this 10th day of February, 2012.

Rita Harkins

Clerk of Superior Court

(2/15, 2/22)

NOTICE OF PUBLICATION

IN THE SUPERIOR COURT OF LUMPKIN COUNTY

STATE OF GEORGIA

Patricia D. Elias, PLAINTIFF

VS. Martin Ortega Suarez, DEFENDANT

CIVIL ACTION NO. 12-CV-97-LA

TO: Martin Ortega Suarez

By Order for Service by Publication dated February 9, 2012, you are hereby notified that on February 9, 2012, Patricia D. Elias filed suit against you for Divorce.

You are required to file with the Clerk of Superior Court, and to serve upon the plaintiff, Patricia D. Elias, 173 Sanders Blvd., Dahlonega, Georgia 30533, an Answer in writing within sixty (60) days of the date of the Order for Publication.

WITNESS, the Honorable Lynn Akeley-Alderman, Judge of this Superior Court, this 9th day of February, 2012.

Rita Harkins

Clerk of Superior Court

Lumpkin County, Georgia

(2/15, 2/22, 2/29, 3/7)

Notice of Intention to introduce local legislation

Notice is given that there will be introduced at the regular 2012 session of the General Assembly of Georgia a bill to provide for an advisory referendum in Lumpkin County on the question of whether the package sale of distilled spirits should be permitted in the county; to provide for the ballot, to provide for related matters, to repeal conflicting laws; and for other purposes.

Representative Amos Amerson

District 9

(2/15)

Legal Notice of sale

ABS Mini Storage

Oak Grove Rd.

Dahlonega, GA 30533

706-867-1380

The following units will be sold on Saturday, Feb. 25, 2012, at 10 a.m. for non-payment of storage fees:

Unit #22 Carol Medlin

Unit #24 Carol Medlin

Unit #28 Maranda Hampton

Unit #38 Melissa Hardin

Unit #41 Melissa Hardin

Unit #43 Marissa Hagler

Unit #49 Maria Alvarez

Units are sold as a whole for cash only. Contents of units must be removed immediately and units left broom clean.

(2/15, 2/22 )

NOTICE TO BETSY S. RICHARDS AND JAMES ALLEN CANSLER

AND THE WORLD

The right to redeem the following described property, to wit:

All that tract or parcel of land designated as Tax Parcel 033-079 in Land Lots 325, 327, and 376 of the 12th District, 1st Section, Lumpkin County, Georgia, containing 2.66 acres, more or less, being Lot 63, Etowah Shoals, as shown in Plat Book 18, Page 2, and being more particularly described in Deed Book T-16, page 263, located on Etowah Drive

will expire and be forever foreclosed and barred on and after the 2nd day of March, 2012.

The tax deed to which this notice relates is dated the 2nd day of November, 2010, and is recorded in the office of the Clerk of the Superior Court of Lumpkin County, Georgia, in Deed Book 1176, Page 193. The property may be redeemed at any time before the 2nd day of March, 2012, by payment of the redemption price as fixed and provided by law to Tony Anderson at the following address: P.O. Box 986, Dahlonega, Georgia 30533.

Please be governed accordingly.

Pat Cagle

The Law Office of Angela Clark

P.O. Box 611

Dahlonega, Ga. 30533

706-867-9292

706-867-9059 FAX

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

Georgia, Lumpkin County

Under and by virtue of the Power of Sale contained in that certain Security Deed given by Carl Bradley Anderson (the “Grantor”) to Regions Bank (the “Lender”) dated September 6, 2002 and recorded September 11, 2002 in Deed Book 129, Page 268, Lumpkin County, Georgia official records (hereinafter referred to as the “Security Deed”), conveying the property described below to secure repayment of (i) that certain Promissory Note dated February 27, 2006 made payable by Grantor in the maximum principal amount of $591,720.53 (the “Note”), together with interest thereon as set forth therein (together with any and all prior notes, amendments or modifications); and (ii) any and all other obligations, debts and liabilities, plus interest thereon, of Grantor to Lender, whether now existing or hereafter arising (together with any and all amendments, assignments or modifications, collectively hereinafter referred to as the “Secured Indebtedness”), there will be sold at public outcry to the highest bidder for cash before the Courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012 (being March 6, 2012) the following described parcel of real property together with all improvements, fixtures, easements, hereditaments, rights, members, appurtenances, and personalty located thereon and described in the Security Deed:

All that tract or parcel of land lying and being in Land Lot 1147 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 5.537 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated February 12, 1997, prepared for Carl Bradley Anderson and Nathan Scott Anderson by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Book 30, Page 170, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to all easements for roads and utilities in use or of record.

The above-described property is commonly known as 306 Crabapple Place, Dahlonega, GA 30533, according to the present system of numbering property in Lumpkin County, Georgia.

The Secured Indebtedness has been and is hereby accelerated and declared due because of, among other possible events of default, failure to pay the Secured Indebtedness as and when due and in the manner provided in the instruments evidencing the Secured Indebtedness and Security Deed. The Secured Indebtedness remaining in default, the sale will be made for purposes of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney’s fees (written notice of intent to collect attorney’s fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and matters of record superior to the Security Deed.

To the best knowledge and belief of the undersigned, the party in possession of the property is the Grantor or a tenant or tenants claiming through it.

REGIONS BANK, Attorney-in-Fact and Agent for Carl Bradley Anderson

Erich N. Durlacher

Burr & Forman LLP

Suite 1100, 171 Seventeenth Street, N.W.

Atlanta, Georgia 30363

Email: HYPERLINK “mailto:edurlach@burr.com” edurlach@burr.com

(404) 815-3000

(404) 214-7387

THE LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Nicky Anderson and Kathy Anderson and Nicky Anderson and Kathy Anderson to CitiFinancial Services, Inc., dated January 24, 2002, recorded in Deed Book T28, Page 168, Lumpkin County, Georgia Records, last assigned to CitiFinancial Services, Inc., conveying the after-described property to secure a Note in the original principal amount of One Hundred Twenty Thousand Nine Hundred Twenty-Two and 74/100 DOLLARS ($120,922.74), 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 Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 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).

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: CitiFinancial North America, Attention: Foreclosure Department, 1111 Northpoint, Suite 100 Bldg 4, Coppell, TX 75019 AND 877-675-3656. Please understand that the secured creditor is not required by law to negotiate, amend or modify the terms of the mortgage instrument.

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 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.

To the best knowledge and belief of the undersigned, the party in possession of the property is Nicky Anderson and Kathy Anderson and Nicky Anderson and Kathy Anderson or a tenant or tenants and said property is more commonly known as 648 Marlie Seabolt Road, Dahlonega, GA 30533.

CitiFinancial Services, Inc.

as Attorney in Fact for

Nicky Anderson and Kathy Anderson and Nicky Anderson and Kathy Anderson

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000167-10

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.EXHIBIT “A”

ALL THAT TRACT OF LAND LYING AND BEING IN LAND LOT 286 OF THE 15TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING 9.651 ACRES AS SHOWN ON PLAT OF SURVEY PREPARED BY FARLEY COLLINS AND ASSOCIATES, DATED DECEMBER 3, 1996, AND RECORDED IN PLAT BOOK 30, PAGE 149, LUMPKIN COUNTY, GEORGIA RECORDS, AND BEING DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHEAST CORNER (CORNER BEING APPARENT AND AGREED ON BY GRIZZLE AND ANDERSON) OF LAND LOT 286 AND RUN THENCE ALONG LAND OF DENNIS J. GRIZZLE, SAID LINE BEING THE SOUTHERLY LINE OF LAND LOT 286, N 83-58-53 W, 733.50 FEET TO A POINT; RUN THENCE AN AGREED LINE BETWEEN AND AGREED ON BY GEORGE CAIN AND ANDERSON, N 07-46-21 E 663.95 FEET TO A POINT IN THE CENTER OF A GRADED DRIVE AT LANDS OF SEABOLT; RUN THENCE ALONG CENTER OF SAID GRADED DRIVE AND LAND OF SEABOLT, S 44-43-46 E, 171.67 FEET TO A POINT; S 45-27-28 E 104.34 FEET TO A POINT; THENCE LEAVING SAID DRIVE AND CONTINUING ALONG SEABOLT LAND, N 66-39-26 E, 236.13 FEET TO A POINT, N 88-46-41 E 277.59 FEET TO A POINT ON THE EASTERLY LINE OF LAND LOT 286, RUN THENCE ALONG SAID LAND LOT LINE AND LAND OF STANCIL S 04-27-36 W, 641.03 FEET TO THE SOUTHEAST CORNER OF LAND LOT 286 THE POINT OF BEGINNING.

This is an attempt to collect a debt and any information obtained may be used for that purpose.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER IN SECURITY DEED 1

STATE OF GEORGIA

COUNTY OF LUMPKIN

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, and recorded in Deed Book 1068, Page 612, Lumpkin County, Georgia records (as amended, the “Security Deed”); as assigned to GERMAN AMERICAN CAPITAL CORPORATION, a Maryland corporation, by Assignment of Security Instruments dated as of March 29, 2011, filed for record on April 22, 2011, recorded in Deed Book 1185, Page 718, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday in March, 2012 to the highest and best bidder for cash the following property described in said Security Deed (collectively, the “Premises”), to wit:

All that certain tract or parcel of land more particularly described below (hereinafter referred to as the “Land”):

All that Parcel of Land Lying and being in Land Lot 359 of the 12th District, 1st Section of Lumpkin County, Georgia and being Lot 10B of Montaluce Subdivision/Cottage Phase formerly known as Montalvina Subdivision, as recorded in Cabinet 1 Slide 157, Plat 139, Lumpkin County, Georgia records and incorporated herein by reference.

TOGETHER WITH: All buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter placed on or in the Land; and all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter located thereon, or any part thereof, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payments in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof, and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same.

The debt secured by the Security Deed is evidenced by that certain Promissory Note dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, a North Carolina banking corporation, as assigned to German American Capital Corporation (“Lender”) in the original principal amount of Three Hundred Ninety Thousand and No/100 Dollars ($390,000.00) (as modified and/or amended from time to time, the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.

Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.

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 attorneys’ fees, notice of intent to collect attorneys’ fees having been given. Said Premises will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the Premises, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final audit and confirmation of the status of the loan with the holder of the Security Deed.

GERMAN AMERICAN CAPITAL CORPORATION, as Attorney-in-Fact for B & G Development, LLC.

Michael E. Fincher, Esq.

Fincher Law Group, LLC

12600 Deerfield Parkway, Suite 100

Alpharetta, Georgia 30004

(404) 200-8669

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER IN SECURITY DEED 2

STATE OF GEORGIA

COUNTY OF LUMPKIN

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, and recorded in Deed Book 1068, Page 623, Lumpkin County, Georgia records (as amended, the “Security Deed”); as assigned to GERMAN AMERICAN CAPITAL CORPORATION, a Maryland corporation, by Assignment of Security Instruments dated as of March 29, 2011, filed for record on April 22, 2011, recorded in Deed Book 1185, Page 721, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday in March, 2012 to the highest and best bidder for cash the following property described in said Security Deed (collectively, the “Premises”), to wit:

All that certain tract or parcel of land more particularly described below (hereinafter referred to as the “Land”):

All that Parcel of Land Lying and being in Land Lot 359 of the 12th District, 1st Section of Lumpkin County, Georgia and being Lot 11B of Montaluce Subdivision/Cottage Phase formerly known as Montalvina Subdivision, as recorded in Cabinet 1 Slide 157, Plat 139, Lumpkin County, Georgia records and incorporated herein by reference.

TOGETHER WITH: All buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter placed on or in the Land; and all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter located thereon, or any part thereof, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payments in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof, and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same.

The debt secured by the Security Deed is evidenced by that certain Promissory Note dated October 8, 2007, executed by B & G Development, LLC, a Georgia limited liability company in favor of Branch Banking and Trust Company, a North Carolina banking corporation, as assigned to German American Capital Corporation (“Lender”) in the original principal amount of Three Hundred Seventy-Eight Thousand Seven Hundred Fifty and No/100 Dollars ($378,750.00) (as modified and/or amended from time to time, the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.

Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.

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 attorneys’ fees, notice of intent to collect attorneys’ fees having been given. Said Premises will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the Premises, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final audit and confirmation of the status of the loan with the holder of the Security Deed.

GERMAN AMERICAN CAPITAL CORPORATION, as Attorney-in-Fact for B & G Development, LLC.

Michael E. Fincher, Esq.

Fincher Law Group, LLC

12600 Deerfield Parkway, Suite 100

Alpharetta, Georgia 30004

(404) 200-8669

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN 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 Gary A. Bagwell and Cynthia Denise Bagwell to Mortgage Electronic Registration Systems, Inc., dated February 21, 2003, recorded in Deed Book X30, Page 76, Lumpkin County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1172, Page 682, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWELVE THOUSAND AND 0/100 DOLLARS ($112,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Gary A. Bagwell and Cynthia Denise Bagwell or a tenant or tenants and said property is more commonly known as 414 Tate Creek Trail, Dahlonega, Georgia 30533. 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 fka Countrywide Home Loans Servicing LP

as Attorney in Fact for

Gary A. Bagwell and Cynthia Denise Bagwell

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/krc1 3/6/12

Our file no. 52539510-FT10

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lots 1117 and 1188 of the 11th District, 1st Section of Lumpkin County, Georgia, and being more fully described and delineated as Lot 25 of the McDonald’s Mill Subdivision, consisting of 1.069 acres, more or less, according to a plat of survey prepared December 22, 1995, by Michael S. Kelley, Georgia Registered Surveyor, which is recorded in Plat Book 30, page 120, Lumpkin County records, which is incorporated by reference herein. MR/krc1 3/6/12 Our file no. 52539510 - FT10

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA COUNTY OF LUMPKIN Under and by virtue of the power of sale contained with that certain Deed to Secure Debt dated March 31, 2005, from Hugo E Barrios to Mortgage Electronic Registration Systems, Inc. as nominee for Sunshine Mortgage Corporation, recorded on April 6, 2005 in Deed Book N35 at Page 116, Lumpkin County, Georgia Records, having been last sold, assigned, transferred and conveyed to First Horizon Home Loans a division of First Tennessee Bank National Association by Assignment and said Deed to Secure Debt having been given to secure a note dated March 31, 2005, in the amount of $196,000.00, said note being in default, the undersigned will sell at public outcry during the legal hours of sale before the door of the courthouse of Lumpkin County, Georgia, on March 6, 2012, the following described real property (hereinafter referred to as the “Property”): ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1073 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONSISTING OF 2.00 ACRES, MORE OR LESS, TOGETHER WITH ALL IMPROVEMENTS LOCATED THEREON, AND BEING MORE PARTICULARLY SET OUT ON A PLAT OF SURVEY DATED JANUARY 22, 1992, PREPARED FOR ROBERT J AND JENNIFER R GARTRELL AND DECATUR FEDERAL SAVINGS AND LOAN ASSOCIATION BY ALBERT M WYNN, GEORGIA REGISTERED SURVEYOR. THIS PLAT IS RECORDED IN PLAT BOOK 24, PAGE 32, LUMPKIN COUNTY RECORDS, AND IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION. The debt secured by the Security Deed and evidenced by the note and has been, and is hereby, declared due and payable because of, among other possible events of default, failure to make the payments as required by the terms of the Note. The debt remaining is in default and this sale will be made for the purposes of paying the Deed to Secure Debt, accrued interest, and all expenses of the sale, including attorneys’ fees. Notice of intention to collect attorneys’ fees has been given as provided by law. To the best of the undersigned’s knowledge, the person(s) in possession of the property is/are Hugo E Barrios. The property, being commonly known as 286 Miller Calhoun Road, Dahlonega, GA 30533 in Lumpkin County, will be sold as the property of Hugo E Barrios, subject to any outstanding ad valorem taxes (including taxes which are a lien and not yet due and payable), any matters affecting title to the property which would be disclosed by accurate survey and inspection thereof, and all assessments, liens, encumbrances, restrictions, covenants, and matters of record to the Security Deed. 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: Nationstar Mortgage, 350 Highland Drive, Lewisville, TX 75067, 469-549-3019 . The foregoing notwithstanding, nothing in O.C.G.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under U.S. Bankruptcy code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. Albertelli Law Attorney for First Horizon Home Loans a division of First Tennessee Bank National Association as Attorney in Fact for Hugo E Barrios 100 Galleria Parkway, Suite 960 Atlanta, GA 30339 Phone: (866) 690-0418 ASAP# 4188919

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

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 Darian Lee Caldwell and Kimberly Allison Caldwell to Southpoint Financial Services, Inc. in the original principal amount of $196,000.00 dated 9/25/2002, and recorded in Deed Book B30, page 30, Lumpkin County records, said Security Deed being last transferred and assigned to CitiFinancial Mortgage Company, Inc. in Deed Book U-30, Page 617, 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 March, 2012 by CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-Fact for Darian Lee Caldwell and Kimberly Allison Caldwell the following described property:

All that tract or parcel of land lying and being in Land Lot 746 of the 11th District, 1st Section of Lumpkin County, Georgia being 1.149 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated September 8, 1998, prepared for Darian Lee Caldwell by

Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 21, Plat 4B, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

Also conveyed herewith is a perpetual, non-exclusive easement thirty feet in width along and with that existing drive as depicted on the above-referenced plat of survey connecting the property with Walter Caldwell Road.

This property is conveyed subject to all easements for road and utilities in use or of record.

Property known as: 892 Walter Caldwell Road, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

4050 Regent Blvd.

Irving, TX 75063

PHONE: 866-272-4749

Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Darian Lee Caldwell and Kimberly Allison Caldwell.

CitiMortgage, Inc., successor by merger with CitiFinancial Mortgage Company, Inc., as Attorney-in-fact for Darian Lee Caldwell and Kimberly Allison Caldwell.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-00853

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN 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 Dixie D. Contreras to Mortgage Electronic Registration Systems, Inc. acting soley as nominee for Homestar Financial Corporation, dated December 21, 2007, recorded in Deed Book 1077, Page 178, Lumpkin County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment recorded in Deed Book 1175, Page 280, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWENTY-THREE THOUSAND SIXTY-THREE AND 0/100 DOLLARS ($123,063.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 434 of the 12th District, 1st Section, Lumpkin County, Georgia and being Lot 2 of Shadow Woods Subdivision, as per plat thereof filed and recorded in Plat Book 28, Page 47, Lumpkin County, Georgia records. Said plat hereby being incorporated herein by reference and made a part hereof. Being property known as 645 Horton Road according to the present system of numbering property in Lumpkin County, Georgia.

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). JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Dixie D. Contreras or a tenant or tenants and said property is more commonly known as 645 Horton Road, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association successor by merger to Chase Home Finance LLC

as Attorney in Fact for

Dixie D. Contreras

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181

www.jflegal.com

MSP/lnu 3/6/12

Our file no. 1643210-FT20

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN 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 Johnny L. Dale to Mortgage Electronic Registration Systems, Inc., dated April 10, 2008, recorded in Deed Book 1090, Page 280, Lumpkin 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 1150, Page 278, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY-NINE THOUSAND SIX HUNDRED SEVENTY-THREE AND 0/100 DOLLARS ($99,673.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Johnny Lee Dale or a tenant or tenants and said property is more commonly known as 380 Summer Glen Road, Dahlonega, Georgia 30533. 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

Johnny L. Dale

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/hmw 3/6/12

Our file no. 53451009-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, containing 1.79 acres, more or less, as per plat of survey recorded in Plat Cabinet 1, Slide 91, Plat 16, Lumpkin County, Georgia records which plat is incorporated herein and made a part hereof by reference. Also conveyed herein is an easement for ingress and egress and the installation of utilities over the existing private road connecting subject property with John Garner Road. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to any easements of record or easements located on the property above described. MR/hmw 3/6/12 Our file no. 53451009 - FT11(2/8, 2/15,2/22, 2/29)

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Cyndi N. Durham and Richard A. Durham to Homeside Lending, Inc. dated February 28, 2002 in the amount of $91,000.00, and recorded in Deed Book Z-28, Page 97, Lumpkin County, Georgia Records; as last transferred to JPMorgan Chase Bank, National Association by assignment; the undersigned, JPMorgan Chase Bank, National Association pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 618 of the 12th District and 1st Section of Lumpkin County, Georgia, containing 1.51 acres as shown on a plat of survey recorded in Plat Book 18, Page 42, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference.

which has the property address of 184 Valley Brook Ln, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Cyndi N. Durham and Richard A. Durham 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.

JPMorgan Chase Bank, National Association

Attorney in Fact for

Cyndi N. Durham and Richard A. Durham

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 09-22154 /FNMA/cyeats

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from PHILLIP SHANE DYER to Mortgage Electronic Registration Systems, Inc as nominee for Countrywide Home Loans, Inc. , dated February 17, 2006, recorded March 3, 2006, in Deed Book L37, Page 173, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Nineteen Thousand Nine Hundred Twenty and 00/100 dollars ($119,920.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWALT, INC., ALTERNATIVE LOAN TRUST 2006-11CB MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-11CB, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, 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 LOTS 847 AND 854 OF THE 5TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING LOT 49 OF MILL CREEK STATION, AS PER PLAT OF SURVEY RECORDED IN PLAT CABINET 1, SLIDE 108, PAGE 142B, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF SAID PROPERTY.

Said legal description being controlling, however the property is more commonly known as 130 PINE TREE DR, DAWSONVILLE, GA 30534.

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 (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is PHILLIP SHANE DYER, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is:

Lender Contact: BAC, Loss Mitigation Dept., P.O. Box 940070, Simi Valley, CA 93094-0070

Telephone Number: 800-720-3758

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWALT, INC., ALTERNATIVE LOAN TRUST 2006-11CB MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2006-11CB

as Attorney in Fact for

PHILLIP SHANE DYER

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092

Telephone Number: (877) 813-0992 Case No. BAC-11-12514-0003

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of the power of sale contained in a Security Deed from John Eric Epperson to Mortgage Electronic Registration Systems Inc., as nominee for Homestar Financial Corp. dated November 17, 2008 recorded in Deed Book 1118, Page 193-209 , Lumpkin County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY-FIVE THOUSAND THREE HUNDRED AND 00/100 ($185,300.00), 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 Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday, March 6, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 1174 of the 12th District, 1st Section of Lumpkin County, Georgia, containing 1.00 acres, more or less, as per plat of survey prepared for Georgia Springs by Henry Bailey, Georgia Registered Surveyor, dated August 18, 1984, and recorded in Plat Book 13, Page 44, Lumpkin County, Georgia Records and being labeled as Lot No. 7 on said plat of survey, which plat is incorporated herein and made a part hereof by reference.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including attorneyís fees, notice of intent to collect attorneyís fees having been given.

Said property will be sold subject to any outstanding ad valorem taxes, 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 John Eric Epperson or, a tenant or tenants, and said property was or is commonly known as 60 Georgia Avenue, Dahlonega, GA 30533.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association

As Attorney in Fact for

John Eric Epperson

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-11530

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Leon Faris to Mortgage Electronic Registration Systems, Inc. as nominee for First National Bank of Nassau County, a division of CBC National Bank, its successors and assigns dated January 30, 2009 in the amount of $133,292.00, and recorded in Deed Book 1119, Page 539, Lumpkin County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 986 of the 5th District, 1st Section of Lumpkin County, Georgia, being Lot 60 of Crawford Falls Subdivision as shown on that certain plat of survey for Patrick Development, LLC, by David L. Ringo, GRLS No. 2250, dated March 3, 2005, and recorded in Plat Cabinet 1, Slide 133, Pages 59-60 of the Lumpkin County, Georgia Records, which plat is incorporated herein by reference for a more complete description of said property.

which has the property address of 116 Miller Drive, Dawsonville, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Leon Faris and Samantha Faris and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

CitiMortgage, Inc.

Attorney in Fact for

Leon Faris

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

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.

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

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 Joey L. Fortner to The Mortgage People Co. in the original principal amount of $150,000.00 dated 08/23/2001, and recorded in Deed Book Y-27, page 722, Lumpkin County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc. in Deed Book 1181, Page 157, 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 March, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Joey L. Fortner the following described property:

All that tract or parcel of land lying and being in Land Lot 74 of the 11th Land District and 1st Section of originally Hall, now Lumpkin County, Georgia, consisting of 4.286 acres, more or less, and being shown as Tract 2-B, per a plat of survey for Joey L. and Jamie A. Fortner, prepared by Michael Stewart Kelley, Georgia Registered Surveyors, dated May 25, 1995, recorded in Plat Book 28, Page 81, Lumpkin County, Georgia Records, which plat of survey is incorporated herein by reference and made a part hereof.

Property known as: 2121 Hwy 115 South, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Joey L. Fortner.

CitiMortgage, Inc., as Attorney-in-fact for Joey L. Fortner.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-00153

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

State of Georgia, County of LUMPKIN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by CLAUDIA P FRADY AND URSULA K FRADY to AMERICAN MORTGAGE EXCHANGE, INC , dated 06/07/1999, and Recorded on 06/11/1999 as Book No. Z22 and Page No. 334-341, LUMPKIN County, Georgia records, as last assigned to BANK OF AMERICA, N.A., by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $88,139.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in March, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 408, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY MICHAEL E. SCUPIN, GEORGIA REGISTERED LAND SURVEYOR, DATED JANUARY 30, 1998, AND AS PER PLAT, THE PROPERTY CONTAINS 3.49 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 27, PAGE 189, LUMPKIN COUNTY, GEORGIA RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO A NON-EXCLUSIVE PERPETUAL EASEMENT FOR INGRESS AND EGRESS TO AND FROM SILOAM CHURCH AS SHOWN ON THE ABOVE REFERENCED PLAT AND MORE PARTICULARLY DESCRIBED ORIGINALLY IN THAT CERTAIN DEED RECORDED IN DEED BOOK F-3, PAGE 24, AND DEED BOOK L-3, PAGE 222, BOTH RECORDED IN THE PUBLIC RECORD OF LUMPKIN COUNTY, GEORGIA.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE. THIS CONVEYANCE IS FURTHER MADE SUBJECT TO ANY EASEMENTS OF RECORD OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED. BEING THE SAME PROPERTY CONVEYED VIA WARRANTY DEED DATED AUGUST 26, 1998 FROM RANDALL DEAN NEWTON AND DICKIE LYNETTE NEWTON TO HAROLD N. STALVEY AND LINE M. STALVEY AND RECORDED IN DEED BOOK T-20, PAGE 65, LUMPKIN COUNTY, GEORGIA RECORDS The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43219, 800-848-9136. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 2440 SILOAM CHURCH ROAD, DAHLONEGA, GEORGIA 30533 is/are: CLAUDIA P FRADY AND URSULA K FRADY or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph.

BANK OF AMERICA, N.A.

as Attorney in Fact for

CLAUDIA P FRADY AND URSULA K FRADY.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20110187411229

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Kayla S. Gayton to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated October 5, 2007 in the amount of $149,900.00, and recorded in Deed Book 1067, Page 397, Lumpkin 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 695, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by John T. Gaston, Georgia Registered Land Surveyor, dated May 4, 2006: and as per said plat, the property contains 0.998 acres, more or less, being more particularly described as Lot 29 of the Meadows of Cane Creek. The subject plat being of record in Plat Cabinet One, Slide 31, Plat 10, Lumpkin County Records. Said plat is hereby incorporated by reference. This conveyance is made subject to restrictive covenants as recorded in Deed Book 1030, Page 417, Lumpkin County Records. This conveyance is made subject to easements for public roads and utilities now in use. This conveyance is made subject to and together with any easements of record or easements located on the property above described or accessing the above described property.

which has the property address of 55 Tayfan Drive, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Jason M. Gayton and Kayla M. Gayton 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

Kayla S. Gayton

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 11-19164 /FHLMC/mtucker

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.

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

Notice of Sale Under Power

By virtue of the power of sale contained in that certain Georgia Security Deed and Security Agreement from Glendianne, LLC to Branch Banking and Trust Company, dated June 29, 2004, recorded in Deed Book Z-33, Page 597, Lumpkin County, Georgia Records, as modified, (hereinafter referred to as “Deed to Secure Debt”), there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse at Lumpkin County, Georgia, within the legal hours of sale on Tuesday, March 6, 2012, the property described on Exhibit “A” attached hereto and incorporated herein by reference. The debt secured by said Deed to Secure Debt has been and is hereby declared due and payable because of, among other possible events of default, failure to make payments. 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 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, easements, covenants, and matters of record superior to the Deed to Secure Debt first set out above, including, but not necessarily limited to, senior encumbrances that will not be extinguished by the foreclosure sale contemplated by this Notice.

To the best knowledge and belief of the undersigned, the Party in possession of the property is Glendianne, LLC, or a tenant or tenants, and said property is more commonly known as Various portions of Tract One and Tract Two in Land Lots 431, 432, 458, 459, 465, 466, 485, 486, 495, 496, and 497, 15th District, 1st Section, Lumpkin County, Georgia. However, please rely only on the legal description contained in this notice for the location of the property. Please note that the undersigned reserves the right to sell the property or any portion thereof in separate parcels or as a whole.

Branch Banking and Trust Company

Attorney in Fact for Glendianne, LLC

Martin G. Quirk, Esq.

Quirk & Quirk, LLC

6000 Lake Forrest Drive, Suite 325

Atlanta, Georgia 30328

(404) 252-1425

EXHIBIT “A”

TRACT ONE:

All that tract or parcel of land lying and being in Land Lots 431, 432, 458, 459, 465, 466, 485, 486, 495, 496 and 497 of the 15th District and 1st Section of Lumpkin County, Georgia consisting of 217.05 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated May 5, 1997, prepared for Wildwood subdivision by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet One, Slide 3, Plat 51, Lumpkin County records and is incorporated herein by reference for a more detailed description.

TRACT TWO:

All that tract or parcel of land lying and being in Land Lot 465 of the 15th District, and 1st Section of Lumpkin County, Georgia consisting of .247 acres, more or less, together with all improvements located there and being more particularly set out as Parcel C on a plat of survey dated May 5, 1997, prepared for Wildwood Subdivision by Michael Stewart Kelley, Georgia Registered land Surveyor. This plat is recorded in Plat Cabinet One, Slide 3, Plat 51, Lumpkin County records and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to easements for roads and utilities in use or of record.

This property is conveyed subject to a non-exclusive, perpetual easement 30 feet in width along the private portion of Hidden Valley Road as shown on a plat of survey of record in Plat Book 30, Page 117, Lumpkin County, Georgia records, as it leads in a southwesterly direction to the end of the county maintained portion of Hidden Valley Road. The property is also conveyed subject to any existing easement rights of others to use said roadway.

LESS AND EXCEPT ALL THE FOLLOWING:

(1) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section of Lumpkin County, Georgia being 1.062 acres, more or less, as more particularly described on that certain plat of survey dated March 10, 1998, prepared for Jellico Coal and Charcoal Co., Inc. by Precision Land Services, the same being of record in Plat Cabinet One, Slide 15, Plat 92A, Lumpkin County, Georgia records, together with the easement rights granted in said instrument.

(2) All that tract and parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section, Lumpkin County, Georgia, being 1.671 acres more or less, as more particularly described on that certain plat of survey of record at Plat Book 30, Page 109, Lumpkin County records.

(3) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section, Lumpkin County, Georgia consisting of 12.602 acres, more or less, and being more fully described and delineated according to a plat of survey prepared by Michael Stewart Kelley, Georgia Registered Surveyors, dated November 27, 1996, which is recorded in Plat Book 30, Page 117, Lumpkin County, Georgia records.

(4) All that tract or parcel of land lying and being in Land Lot 458 and 465 of the 15th District and 1st Section of Lumpkin County, Georgia, consisting of 10.34 acres, more or less, and being more particularly described in a Corrective Warranty Deed dated August 22, 1995, from Tana S. Rhodes to M.C. LaGrone, Jr., as Sole Trustee of the Jellico Coal & Charcoal Company, Inc., Profit Sharing Plan and Trust, which is recorded in Deed Book S-15, Pages 58-63, Lumpkin County records and is incorporated herein by reference for a more detailed description, as identified further in a warranty deed from Glendianne, Ltd., et al to JELLICO COAL & CHARCOAL CO INC PROFIT SHARING PLAN & TRUST, by instrument of record in Deed Book F32, Page 399, Lumpkin County records.

(5) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section of Lumpkin County, Georgia, being described as 2.850 acres, per plat of survey dated May 9,2002 a copy of which is labeled as Exhibit “A-1” at Deed Book O-29, Page 740, andO-29, Page 742, Lumpkin County, Georgia records.

(6) All that tract or parcel of land lying and being in Land Lots 457, 458, 465, 466 First Section, Lumpkin County, Georgia, and thence South along the Land Lot line between Land Lot 465 and 466, a distance of 206.48 feet to a point; said point being the True Point of Beginning; and thence South along same said Land Lot line a distance of 358.52 feet to a point; and thence North 74 degrees 48 minutes 55 seconds West a distance of 251.79 feet to a point; and thence North 39 degrees 25 minutes 30 seconds East a distance of 382.63 feet to the True Point of Beginning; said tract containing 1.000 acres.

(7) All that tract or parcel of land lying and being in Land Lot 458 of the 15th District, 1st Section of Lumpkin County, Georgia, and being a tract of 1.001 acres as per a plat of survey by John T. Gaston, Georgia registered land surveyor, the same dated May 9, 2002, and of record as an attachment to an instrument of record at Deed Book V30, Page 74, Lumpkin County records.

2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

State of Georgia, County of LUMPKIN.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by KENNETH GRUNFELDER AND RENEE GRUNFELDER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR FIRST FRANKlIN A DIVISION OF NAT. CITY BANK OF IN , dated 07/14/2006, and Recorded on 07/18/2006 as Book No. 995 and Page No. 668-704, LUMPKIN County, Georgia records, as last assigned to DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR FFMLT 2006-FF13, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $152,750.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in March, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 579 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, CONSISTING OF 3.846 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED ACCORDING TO PLAT PREPARED MAY 19, 1987 BY FARLEY COLLINS AND ASSOCIATES, GEORGIA REGISTERED LAND SURVEYORS, WHICH PLAT IS RECORDED IN PLAT BOOK 19, PAGE 58, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE.

The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: AMERICA’S SERVICING COMPANY, 3476 STATEVIEW BLVD., Foreclosure MAC# X7801-013, FORT MILL, SC 29715, 800-288-3212. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 429 BUCKHORN TAVERN ROAD, DAHLONEGA, GEORGIA 30533 is/are: KENNETH GRUNFELDER AND RENEE GRUNFELDER or tenant/tenants. Said property will be sold subject to (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Deed to Secure Debt first set out above, including, but not limited to, assessments, liens, encumbrances, zoning ordinances, easements, restrictions, covenants, etc. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the security deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided in the preceding paragraph. DEUTSCHE BANK NATIONAL TRUST COMPANY, AS TRUSTEE FOR FFMLT 2006-FF13 as Attorney in Fact for KENNETH GRUNFELDER AND RENEE GRUNFELDER.

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

20120134000007

BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP

15000 Surveyor Boulevard

Addison, Texas 75001

Telephone: (972) 341-5398.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 John B. Hammond and Kathleen W. Hammond to JPMorgan Chase Bank, N.A., dated August 1, 2007, recorded in Deed Book 1059, Page 112, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED SEVENTY-EIGHT THOUSAND AND 0/100 DOLLARS ($378,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

Tract Two: All that tract or parcel of land lying and being in Land Lots 142 and 143 of the 11th District, originally Hall, now Lumpkin County, Georgia, consisting of 8.00 acres, more or less, as described and delineated to a plat of survey prepared May 27, 1992, by Frederick F. Kauffman, Georgia Registered Land Surveyor No. 1774, which is recorded in Plat Book 28, Page 71, Lumpkin County Records, which is incorporated by reference herein. Also conveyed herein is a non-exclusive perpetual easement for ingress, egress and the installation of all necessary utilities 40 feet in width to Robinson Road along the private road shown as Hickory Road on said plat of survey.

The grantees herein recognize that any and all means of ingress and egress to the property conveyed hereby which is provided by the grantor herein or his successor or assigns are considered by the planning commission of Lumpkin County and the governing body of Lumpkin County to be private ways not maintainable by the governing body. Therefore the grantees herein hereby agree that they will be responsible for their share of the upkeep and maintenance of said private road, holding completely harmless the governing body of Lumpkin County of any necessity for such upkeep or maintenance.

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). JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is John B. Hammond and Kathleen W. Hammond or a tenant or tenants and said property is more commonly known as 155 Winterbury Way, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association also known as JPMorgan Chase Bank, N.A.

as Attorney in Fact for

John B. Hammond and Kathleen W. Hammond

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181

www.jflegal.com

MSP/lnu 3/6/12

Our file no. 1664311-FT20

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

Notice of Sale Under Power

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Margarita L. Harmon to United Community Mortgage Services, Inc. dated February 11, 2005, and recorded in Deed Book F35, Page 259, Lumpkin County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank, N.A., by Assignment , securing a Note in the original principal amount of $116,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, March 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 99 OF THE 1ST DISTRICT, LUMPKIN COUNTY, GEORGIA CONSISTINGOF 1.00 ACRES, MORE OR LESS, BEING MORE FULLY DESCRIBED AND DELINEATED AS LOT #26 ON A PLAT OF SURVEY OF THE COPPER PINES SUBDIVISION PREPARED BY MIKE SCUPIN & ASSOCIATES, GEORGIA REGISTERED LAND SURVEYOR, DATED JANUARY 10, 1985, AND RECORDED IN PLAT BOOK 13, PAGE 91, LUMPKIN COUNTY RECORDS. SAID PLAT IS INCORPORATED HEREIN BY REFERENCE.

THIS CONVEYANCE IS MADE SUBJECT TO THAT CERTAIN DECLARATION OF PROTECTIVE COVENANTS FOR THE COPPER PINES SUBDIVISION WHICH IS RECORDED IN DEED BOOK B-5, PAGES 732-736, LUMPKIN COUNTY RECORDS.

THIS CONVEYANCE IS MADE SUBJECT TO EASEMENTS FOR PUBLIC ROADS AND UTILITIES NOW IN USE.

THIS CONVEYANCE IS MADE SUBJECT TO ANY EASEMENTS OF RECORDS OR EASEMENTS LOCATED ON THE PROPERTY ABOVE DESCRIBED.

Said property is known as 164 Jessica Trail, Murrayville, GA 30564, together with all fixtures and personal property attached to and constituting a part of said property, if any.

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorney’s fees in accordance with the terms of the Note secured by said Deed.

The property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Margarita L. Harmon, Margarita L. Harmon or a tenant or tenants. The proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Wells Fargo Bank, N.A. as Attorney-in-Fact for Margarita L. Harmon

File no. 11-023835

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770)220-2535/KB

www.swertfeger.net

*THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Richard Lincoln Harris and Martha Hope Hughes Harris to Bank of America, N.A., dated January 28, 2010, recorded in Deed Book 1187, Page 485, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of THREE HUNDRED THOUSAND TWO HUNDRED FIFTY AND 0/100 DOLLARS ($300,250.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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., 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Richard Lincoln Harris and Martha Hope Hughes Harris or a tenant or tenants and said property is more commonly known as 225 Clyde Barrett Rd, Dahlonega, Georgia 30533. 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.

as Attorney in Fact for

Richard Lincoln Harris and Martha Hope Hughes Harris

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/krc1 3/6/12

Our file no. 539312-FT10

EXHIBIT “A”

All that certain parcel of land situated in Land Lot 900 & 921, 12th District, 1st Section, and being 3.218 acres, more or less, Lumpkin County, State of Georgia, being known and designated according to that plat of survey for Richard and Hope Harris by Geoimage, L.L.C. dated December 7, 2006, recorded in Cabinet One, Slide 141, Page 08A, and as revised May 4, 2007 recorded in Cabinet One, Slide 148, Page 151A. By fee simple deed from Hope Harris as set forth in Deed Book 1018, Cert # 577-578 dated 12/07/2006 and recorded 12/15/2006, Lumpkin County Records, State of Georgia. Tax/Parcel ID: 060B 017 MR/krc1 3/6/12 Our file no. 539312 - FT10

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from NOREEN O. HEMMIS AND RON K. HEMMIS to Homebanc Mortgage Corportation, dated August 31, 2006, recorded September 11, 2006, in Deed Book 1004, Page 385-404, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Fifteen Thousand Five Hundred and 00/100 dollars ($115,500.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-18, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, all property described in said Security Deed including but not limited to the following described property:

ALL THATT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 714 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGIN AT AN IRON PIN FOUND ON THE WESTERLY SIDE OF IVIE TERRACE ( A 60 FOOT RIGHT OF WAY), 363.10 FEET SOUTHERLY FROM THE INTERSECTION OF THE WESTERLY SIDE OF IVIE TERRACE WITH THE RIGHT OF WAY OF OAK GROVE ROAD; THENCE ALONG THE WESTERLY SIDE OF OAK GROVE ROAD THE FOLLOWING CALLS AND DISTANCES; SOUTH 02 DEGREES 47 MINUTES 11 SECONDS WEST; 71.29 FEET; SOUTH 14 DEGREES 34 MINUTES 41 SECONDS WEST,40.45 FEET; SOUTH 20 DEGREES 04 MINUTES 28 SECONDS 59.77 FEET TO AN IRON PIN FOUND; THENCE LEAVING THE WESTERLY SIDE OF IVIE TERRACE NORTH 69 DEGREES 12 MINUTES 17 SECONDS WEST, 171.47 FEET TO A POINT IN THE CENTER OF AN OLD FIELD ROAD; THENCE ALONG THE CENTERLINE OF THE OLD FIELD ROAD THE FOLLOWING CALLS AND DISTANCES; NORTH 02 DEGREES 18 MINUTES 50 SECONDS WEST, 15.38 FEET ; NORTH 07 DEGREES 09 MINUTES 49 SECONDS WEST 24.74 FEET; NORTH 18 DEGREES 46 MINUTES 18 SECONDS WEST, 22.05 FEET; NORTH 23 DEGREES 53 MINUTES 45 SECONDS WEST, 29.16 FEET; NORTH 18 DEGREES 55 MINUTES 43 SECONDS WEST, 24.49 FEET; NORTH 00 DEGREES 11 MINUTES 50 SECONDS WEST 51.83 FEET; THENCE LEAVING THE CENTERLINE OF THE OLD FIELD ROAD SOUTH 75 DEGREES 51 MINUTES 36 SECONDS EAST, 232.55 FEET TO AN IRON PIN FOUND AT THE POINT OF BEGINNING. LESS AND EXCEPT ANY PART OF THE ABOVE DESCRIBED PROPERTY LYING IN THE RIGHT OF WAY OF THE OLD FIELD ROAD. ALSO CONVEYED HEREIN IS A PERPETUAL EASEMENT 10 FEET IN WIDTH FOR A WATER LINE SERVING THE ABOVE PROPERTY AS MORE PARTICULARLY DESCRIBED IN QUIT CLAIM DEED FROM J. RUSSELL IVIE AND J.B. JONES, JR., TO CLARENCE BROWN AND ROGER WARD, DATED JANUARY 8, 1979, AND RECORDED JANUARY 10, 1979 AT DEED BOOK V3, PAGE 73, LUMPKIN COUNTY RECORDS.

Said legal description being controlling, however the property is more commonly known as 110 IVY TERRACE, DAHLONEGA, GA 30533.

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 (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed.

To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is NOREEN O. HEMMIS AND RON K. HEMMIS, NOREEN O. HEMMIS, RON K. HEMMIS, or tenants(s).

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed.

The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is:

Lender Contact: SPECIALIZED LOAN, Loss Mitigation Dept., 8742 Lucent Blvd., Suite 300, Highlands Ranch, CO 80122

Telephone Number: 720-241-7200

THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF THE CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2006-18

as Attorney in Fact for

NOREEN O. HEMMIS AND RON K. HEMMIS

THE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Attorney Contact: Rubin Lublin Suarez Serrano, LLC, 3740 Davinci Court, Suite 400, Norcross, GA 30092

Telephone Number: (877) 813-0992 Case No. SPL-11-09672-0003

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

By virtue of the power of sale contained in a Security Deed from Melissa J. Howard to JPMorgan Chase Bank, N.A. dated April 26, 2010 recorded in Deed Book 1159, Page 322-341, Lumpkin County Records, and last assigned to JPMorgan Chase Bank, National Association A/K/A JPMorgan Chase Bank, N.A., conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-ONE THOUSAND TWO HUNDRED FORTY-EIGHT AND 00/100 ($131,248.00), 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 Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday, March 6, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 847 of the 5th District, 1st Section of Lumpkin County, Georgia, designated as Lot 22 of Mill Creek Station Subdivision, as shown on plat of survey recorded in Plat Cabinet 1, Slide 119, Page 178, Lumpkin County, Georgia Records, said plat being incorporated herein by reference for a more complete description.

The Debt secured by said Security Deed has been and is hereby declared due because of nonpayment of the indebtedness when due and in the manner provided in the Note and Security Deed. The debt remaining in default, the sale will be made for the purpose of paying the same and all expenses of sale, as provided in the Security Deed and by law, including attorneyís fees, notice of intent to collect attorneyís fees having been given.

Said property will be sold subject to any outstanding ad valorem taxes, 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 Melissa J. Howard or, a tenant or tenants, and said property was or is commonly known as 380 Pine Tree Drive, Dawsonville, GA 30534.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association A/K/A JPMorgan Chase Bank, N.A.

As Attorney in Fact for

Melissa J. Howard

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-12017

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR, ATTEMPTING TO COLLECT A DEBT.

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jason M Kenney and Laura Polangco Kenney to Mortgage Electronic Registration Systems, Inc. as nominee for Homestar Financial Corporation, its successors and assigns dated March 31, 2008 in the amount of $129,300.00, and recorded in Deed Book 1088, Page 481, Lumpkin County, Georgia Records; as last transferred to Nationstar Mortgage LLC by assignment; the undersigned, Nationstar Mortgage LLC 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 590 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 4.45 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated March 7, 2008, prepared for Jason Michael Kenney by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 164, Plat 70B, Lumpkin County Records, and is incorporated herein by reference for a more detailed description.

This property is conveyed subject to all easements for roads and utilities in use or of record.

which has the property address of 239 Still Rd, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Jason M Kenney and Laura Polangco Kenney 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.

Nationstar Mortgage LLC

Attorney in Fact for

Jason M Kenney and Laura Polangco Kenney

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 11-17617 /FNMA/lfairgood

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA

COUNTY OF LUMPKIN

Under and by virtue of the Power of Sale contained in that certain Deed to Secure Debt and Security Agreement dated October 11, 2006, executed by MONTALUCE, LLC, a Georgia limited liability company f/k/a Montalvina, LLC in favor of Branch Banking and Trust Company, and recorded in Deed Book 1010, Page 247, Lumpkin County, Georgia records, as amended by that certain Amendment to Deed to Secure Debt and Security Agreement and Assignment of Agreements, Permits and Contracts dated January 8, 2008, and recorded in Deed Book 1081, Page 511, aforesaid records, as amended by that certain Amendment to Deed to Secure Debt and Security Agreement and Assignment of Agreements, Permits and Contracts dated February 20, 2009, and recorded in Deed Book 1124, Page 534, aforesaid records (as amended, the “Security Deed”); as assigned to GERMAN AMERICAN CAPITAL CORPORATION, a Maryland corporation, by Assignment of Security Instruments dated as of March 29, 2011, filed for record on April 22, 2011, recorded in Deed Book 1185, Page 715, aforesaid records, the undersigned will sell at public outcry before the door of the Courthouse of Lumpkin County, Georgia, during the legal hours of sale on the first Tuesday in March, 2012 to the highest and best bidder for cash the following property described in said Security Deed (collectively, the “Premises”), to wit:

All that certain tract or parcel of land more particularly described below (hereinafter referred to as the “Land”):

All that tract or parcel of land lying and being in Land Lots 218, 219, 220, 271, 272, 273, 288, 289, 290, 341, 342, 343, 344, 358, 359, & 360 of the 12th District, 1st Section, Lumpkin County Georgia, described as follows:

Commencing at a 1” Pipe common to the North East corner of Land Lot 218 and the North West corner of Land Lot 273; thence North 86°16’35” East, a distance of 1303.24 feet to a concrete monument; thence North 87°14’08” East, a distance of 603.12 feet to a 5/8” rebar; thence North 87°11’14” East, a distance of 782.20 feet to an axle; thence North 51°13’46” East, a distance of 75.17 feet to an axle; thence North 86°39’38” East, a distance of 494.13 feet to a 5/8” rebar; thence North 87°02’33” East, a distance of 834.10 feet to an axle; thence North 03°34’31” West, a distance of 37.74 feet to a 5/8” rebar on the Right of-way of Hightower Road; thence along and with the Right-of-Way of Hightower Road the following courses and distances: South 33°31’50” East, a distance of 20.28 feet to a point; thence South 35°16’01” East, a distance of 191.17 feet to a point; thence leaving the Right-of Way of Hightower Road North 89°39’57” West, a distance of 118.34 feet to a point; thence South 00°22’51” East, a distance of 1310.33 feet to a 3⁄4” Pipe; thence North 86°06’04” East, a distance of 659.59 feet to a 3/8” Rebar; thence South 03°27’37” East, a distance of 203.88 feet to a 3/8” Rebar; thence South 59°36’24” East, a distance of 136.87 feet to a point, thence South 29°40’40” East, a distance of 67.84 feet to a 5/8” Rebar in fence line on the Right-of-Way of Hightower Road; thence along and with the Right-of Way of Hightower Road the following courses and distances: South 09°56’33” West, a distance of 88.24 feet to a point; thence South 10°17’04” West, a distance of 111.84 feet to a point; thence south 08°02’14” West, a distance of 125.75 feet to a point; thence South 01°05’29” West, a distance of 51.35 feet to a point; thence South 07°57’10” East, a distance of 61.12 feet to a point; thence South 17°25’11” East, a distance of 41.49 feet to a point; thence South 25°49’08” East, a distance of 17.66 Feet to a point; thence South 25°49’08” East, a distance of 41.18 feet to a point; thence South 33°29’10” East, a distance of 60.45 feet to a point; thence South 42°24’52” East, a distance of 245.90 feet to a point; thence South 43°56’22” East, a distance of 88.52 feet to a point; thence South 42°27’37” East, a distance of 85.30 feet to a point; thence South 39°54’34” East, a distance of 76.14 feet to a point; thence South 37°44’01” East, a distance of 18.87 feet to a 1⁄2” Rebar; thence leaving the Right-of Way of Hightower Road South 86°16’41” West, a distance of 1203.79 feet to a 1” Rod; thence South 06°32’57” East, a distance of 1314.71 feet to a 1⁄2” Rebar; thence South 86°36’26” West, a distance of 653.69 feet to a 5/8” Rebar; thence South 85°02’36” West, a distance of 204.17 feet to 5/8” Rebar at the Easterly Right-of Way of Bryant Road; thence crossing Bryant Road South 85°06’32” West, a distance of 30.95 feet to a 3⁄4” Pipe at the Westerly Right-of-Way of Bryant Road; thence South 87°52’48” West, a distance of 504.41 feet to a 3/8” Rear; thence North 03°30’45” West, a distance of 880.61 feet to a 5/8” Rebar; thence North 03°30’45” West, a distance of 50.00 feet to a 1⁄2” Rebar in the center of Old School Road; thence along the centerline of Old School Road the following courses and distances: South 71°50’28” West, a distance of 41.40 feet to a point; thence South 89°43’01” West, a distance of 82.50 feet to a point; thence North 82°23’35” West, a distance of 99.76 feet to a point; thence North 80°13’16” West, a distance of 45.39 feet to a point; thence North 44°32’32” West, a distance of 55.49 feet to a point; thence North 32°45’55” West, a distance of 63.24 feet to a point; thence North 51°34’51” West, a distance of 44.50 feet to a point, thence North 78°30’40” West, a distance of 115.12 feet to a point; thence South 84°42’08” West, a distance of 41.11 feet to a point, thence South 65°22’14” West, a distance of 60.58 feet to a point; thence South 56°12’46” West, a distance of 65.33 feet to a point; thence South 52°16’52” West, a distance of 72.92 feet to a point; thence South 43°33’09” West, a distance of 68.01 feet to a point; thence South 37°26’43” West, a distance of 77.73 feet to a point; thence South 48°15’09” West, a distance of 60.84 feet to a point; thence South 54°04’31” West, a distance of 62.20 feet to a point; thence South 52°30’44” West, a distance of 72.84 feet to a point, thence South 63°26’30” West, a distance of 73.57 feet to a point; thence South 70°45’32” West, a distance of 78.04 feet to a point; thence South 74°28’44” West, a distance of 102.41 feet to a point; thence South 74°40’36” West, a distance of 96.47 feet to a point; thence South 74°37’40” West, a distance of 175.10 feet to a point; thence South 71°53’15” West, a distance of 116.91 feet to a point; thence South 72°48’53” West, a distance of 119.48 feet to a point; thence South 71°29’28” West, a distance of 117.49 feet to a point; thence South 67°18’10” West, a distance of 57.15 feet to a point; thence South 59°44’35” West, a distance of 43.71 feet to a point; thence South 42°36’21” West, a distance of 36.83 feet to a point; thence South 34°53’35” West, a distance of 54.28 feet to a point; thence South 30°56’54” West, a distance of 58.30 feet to a point; thence South 26°18’17” West, a distance of 40.61 feet to a point; thence South 15°11’11” West, a distance of 50.36 feet to a point; thence South 01°26’28”East, a distance of 34.54 feet to a point; thence South 23°26’55” East, a distance of 29.92 feet to a 5/8” Rebar on the Right -of-way of Jay Bridge Road; thence along and with the Right-of-way of

Jay Bridge Road the following courses and distances: North 68°01’28”

West, a distance of 58.81 feet to a point; thence North 82°20’57” West, a distance of 80.50 feet to a point; thence North 87°46’35” West, a distance of 96.53 feet to a point; thence North 87°00’31” West, a distance of 132.65 feet to a point; thence North 86°02’47” West, a distance of 84.17 feet to a point; thence South 89°9’02” West, a distance of 41.50 feet to a point; thence North 00°20’58” West, a distance of 20.00 feet to a point; thence South 89°39’02” West, a distance of 61.22 feet to a point; thence South 77°47’35” West, a distance of 117.53 feet to a point; thence South 57°06’19” West, a distance of 33.61 feet to a 5/8” Rebar; thence leaving the Right-of-Way of Jay Bridge Road and along and 10 feet back from the edge of the Etowah River the following courses and distances: North 16°47’45” East, a distance of 85.36 feet to a point; thence North 14°58’55” East, a distance of 65.82 feet to a point; thence North 06°32’49” East, a distance of 113.20 feet to a point; thence North 04°05’18” East, a distance of 91.75 feet to a point; thence North 25°08’03” East, a distance of 103.55 feet to a point; thence North 27°01’56” East, a distance of 44.36 feet to a point; thence North 29°57’46” East, a distance of 90.78 feet to a point; thence North 25°30’16” East, a distance of 68.65 feet to a point; thence North 08°01’18” East, a distance of 36.90 feet to a point; thence North 37°38’31” East, a distance of 29.73 feet to a point; thence North 21°57’52” East, a distance of 85.50 feet to a point; thence North 17°35’12” East, a distance of 126.78 feet to a point; thence North 15°30’50” East, a distance of 73.74 feet to a point; thence North 11°41’13” East, a distance of 92.05 feet to a point; thence North 12°52’10” East, a distance of 66.57 feet to a point; thence North 08°32’54” East, a distance of 112.65 feet to a point; thence North 02°36’04” East, a distance of 67.17 feet to a point; thence North 01°32’29” East, a distance of 90.52 feet to a point; thence North 08°41’05” West, a distance of 35.79 feet to a point; thence North 01°49’05” West, a distance of 78.74 feet to a point; thence North 18°10’40” West, a distance of 68.77 feet to a point; thence North 16°24’06” West, a distance of 102.55 feet to a point; thence North 48°21’11” West, a distance of 33.20 feet to a point; thence North 69°17’54” West, a distance of 43.78 feet to a point; thence North 68°53’40” West, a distance of 91.54 feet to a point; thence North 71°31’100” West, a distance of 111.58 feet to a point; thence North 78°07’55” West, a distance of 118.35 feet to a point; thence North 89°59’51” West, a distance of 68.80 feet to a point; thence North 85°31’26” West, a distance of 160.25 feet to a point; thence North 78°16’15” West, a distance of 68.02 feet to a point; thence North 79°57’56” West, a distance of 50.71 feet to a point; thence North 75°36’28” West, a distance of 98.48 feet to a point; thence North 71°48’59” West, a distance of 85.24 feet to a point; thence North 70°31’35” West, a distance of 71.47 feet to a point; thence North 67°39’45” West, a distance of 24.13 feet to a point; thence North 76°06’42” West, a distance of 78.76 feet to a point; thence North 76°38’02” West, a distance of 39.76 feet to a point; thence North 83°53’53” West, a distance of 45.25 feet to a point; thence North 65°22’04” West, a distance of 24.57 feet to a point; thence South 88°48’32” West, a distance of 31.83 feet to a point; thence South 71°05’31” West, a distance of 54.54 feet to a point; thence North 71°02’51” West, a distance of 23.72 feet to a point; thence North 65°36’08” West, a distance of 36.50 feet to a point; thence North 46°55’41” West, a distance of 42.14 feet to a point; thence North 37°39’14” West, a distance of 67.37 feet to a point; thence North 33°57’52” West, a distance of 56.67 feet to a point; thence North 17°24’13” West, a distance of 49.07 feet to a point; thence North 12°03’29” West, a distance of 71.48 feet to a point; thence North 03°34’30” West, a distance of 57.14 feet to a point; thence North 07°03’32” East, a distance of 50.76 feet to a point; thence North 09°02’34” West, a distance of 42.29 feet to a 1⁄2” Rebar on the South line of Land Lot 218; thence Westerly along the south line of Land Lot 218 a distance of 195.89 feet more or less to the South West corner of Land Lot 218; thence Northerly along the West line of Land Lot 218 a distance of 1279.46 feet more or less to the North West corner of Land Lot 218; thence Easterly along the North line of Land Lot 218, a distance of 1296.06 feet more or less to a 1” Pipe at the true Point of Beginning. Containing 399.435 Acres, more or less.

LESS AND EXCEPT:

Pomino Phase - Lots 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, and 11, Plat Cabinet 1, Slide 147, Pages121-124.

Cottage Phase - Lots 1A, 2A, 3A, 4A, 5A, 6A, 8A, 3B, 4B, 5B, 6B, 7B, 10B, 1IB, 4D, 23D, 24D, 25D, Plat Cabinet 1, Slide 150, Pages 192-196, and Plat Cabinet 1, Slide 157, Pages 138-142.

Estate Phase-Lots 1, 2, 3, 4, 6, 7, 10, 13, 14, 16, 44, 45, 46, 47, 48, 71, 72, 73, 85, 86, 87, and 89, Plat Cabinet 1, Slide 151, Pages 2-13.

Villas - Lots IE, 5E, 7E, 8E, and 8G, Plat Cabinet 1, Slide 152, Pages 30-34, and Plat Cabinet 1, Slide 157, Pages 133-137.

TOGETHER WITH: All buildings, structures and other improvements of every kind and nature whatsoever now or hereafter situated on the Land; and all machinery, equipment, fixtures, appliances and building, construction, development and landscaping supplies and materials now or hereafter placed on or in the Land; and all and singular the easements, rights-of-way, strips and gores of land, streets, ways, alleys, passages, sewer rights, waters, water courses, water rights and powers, estates, rights, titles, interests, minerals, royalties, privileges, liberties, tenements, hereditaments and appurtenances whatsoever, in any way now or hereafter belonging, relating or appertaining to the Land or the improvements now or hereafter located thereon, or any part thereof, and the reversion or reversions, remainder and remainders, rents, issues and profits thereof; and all right to receive excess payments in any tax sale of the Land and the improvements now or hereafter located thereon, or any part thereof, and all the estate, right, title, interest, claim and demand whatsoever of Grantor of, in and to the same.

The debt secured by the Security Deed is evidenced by that certain Revolving Line of Credit Note dated October 11, 2006, executed by MONTALUCE, LLC, a Georgia limited liability company f/k/a Montalvina, LLC in favor of Branch Banking and Trust Company, a North Carolina banking corporation, as assigned to German American Capital Corporation (“Lender”) in the original principal amount of Ten Million and No/100 Dollars ($10,000,000.00) (as modified and/or amended from time to time, including that certain Amendment to Promissory Note dated January February 20, 2009, increasing the principal amount to Twelve Million Three Hundred Eighteen Thousand and No/100 Dollars ($12,318,000.00), the “Note”), plus interest from date on the unpaid balance until paid, and other indebtedness.

Default has occurred and continues under the terms of the Note and Security Deed by reason of, among other possible events of default, the nonpayment when due of the indebtedness evidenced by the Note and secured by the Security Deed and the failure to comply with the terms and conditions of the Note and Security Deed. By reason of this default, the Security Deed has been declared foreclosable according to its terms.

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 attorneys’ fees, notice of intent to collect attorneys’ fees having been given. Said Premises will be sold subject to any outstanding ad valorem taxes and/or assessments (including taxes which are a lien but are not yet due and payable), possible redemptive rights of the Internal Revenue Service, if any, any matters which might be disclosed by an accurate survey and inspection of the Premises, and any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) final audit and confirmation of the status of the loan with the holder of the Security Deed.

GERMAN AMERICAN CAPITAL CORPORATION, as Attorney-in-Fact for Montaluce, LLC.

Michael E. Fincher, Esq.

Fincher Law Group, LLC

12600 Deerfield Parkway, Suite 100

Alpharetta, Georgia 30004

(404) 200-8669

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Marguerite Montgomery to Mortgage Electronic Registration Systems, Inc. as nominee for American Mortgage Network, Inc., its successors and assigns dated May 15, 2003 in the amount of $60,150.00, and recorded in Deed Book O31, Page 109, Lumpkin County, Georgia Records; as last transferred to Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment; the undersigned, Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 151 of the 13th District, 1st Section of Lumpkin County, Georgia, containing 1.00 acre, more or less, together with all improvements located thereon and being more particularly described as Tract A-2 according to a Plat of Survey prepared for Todd Cannon by Frederick F. Kauffman dated January 26, 2000, and recorded in Plat Cabinet One, Slide 42, Plat 35-b, Lumpkin County records. Which plat is incorporated herein by reference and made a part hereof by reference.

Also conveyed is a 1995 Redman Mobile Home, Serial #11427989AB.

which has the property address of 6350 Auraria Road, Dawsonville, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Marguerite Montgomery 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.

Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP Attorney in Fact for

Marguerite Montgomery

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 11-18372 /FNMA/cajohnson

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.

(2/8, 2/15,2/22, 2/29)

NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed and Agreement from Eric Moore and Kristy Moore to Community & Southern Bank (by virtue of that certain Assignment of Security Instruments and Other Loan Documents, filed and recorded June 9, 2010 in Deed Book 1162, Page 518, LUMPKIN, Georgia Records, assignee of the Federal Deposit Insurance Corporation in receivership of Appalachian Community Bank) (“Community & Southern Bank”), dated November 13, 2006, filed and recorded December 8, 2006 in Deed Book 1017, Page 576, LUMPKIN COUNTY, Georgia Records (as amended, modified, or revised from time to time, “Security Deed”), said Security Deed having been given to secure a Note (the “Note”) in the original principal amount of TWO HUNDRED SIXTY-TWO THOUSAND SIX HUNDRED AND 00/100THS DOLLARS ($262,600.00), 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 LUMPKIN COUNTY, Georgia, within the legal hours for sale on the first Tuesday in March, 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 187 AND 234 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA AND BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY FARLEY-COLLINS & ASSOCIATES, GRLS, DATED OCTOBER 8, 1980 AND AS PER SAID PLAT, THE PROPERTY CONTAINS 5.00 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 6, PAGE 204, LUMPKIN COUNTY RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

TRACT II - ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 187 & 234 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA AND BEING MORE FULLY DESCRIBED BY A PLAT PREPARED BY FREDERICK C. YOUNGMAN, GRLS, DATED MARCH 10, 1988 AND AS PER SAID PLAT, THE PROPERTY CONTAINS 3.00 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 19, PAGE 229, LUMPKIN COUNTY RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

TRACT III - ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 183 AND 238 OF THE 12TH DISTRICT 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONTAINING 9.362 ACRES , AS SHOWN ON A PLAT PREPARED FOR HERBERT B. WHITMIRE BY MICHAEL STEWART KELLEY, GRLS, DATED JANUARY 24, 1995, AND RECORDED IN PLAT BOOK 27, PAGE 175, LUMPKIN CO. RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE COMPLETE DESCRIPTION.

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 Eric Moore and Kristy Moore 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. Community & Southern Bank and its counsel are acting as debt collectors. Any information obtained will be used for that purpose.

Community & Southern Bank as Attorney-in-Fact for Eric Moore and Kristy Moore

Contact: Guillermo Todd, Esq.

Busch, Slipakoff & Schuh, LLP

3350 Riverwood Parkway, Suite 1550

Atlanta, Georgia 30339

Telephone (770) 790-3550

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jerry W Ownby to Mortgage Electronic Registration Systems, Inc. as nominee for American Financial Resources, Inc., its successors and assigns dated June 24, 2009 in the amount of $103,530.00, and recorded in Deed Book 1137, Page 142, Lumpkin County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

The following described real property situate in the City of Dahlonega, County of Lumpkin, and State of Georgia, to wit:

Tract One: All that tract or parcel of land lying in Land Lot 490 in the 15th District, 1st Section of Lumpkin County, Georgia, consisting of 1.01 acres, more or less, and being more fully described and delineated as Lot 2 according to a plat of survey of The Cambridge Subdivision June 9, 1988 by Michael S. Scupin, Georgia Registered Surveyor, which is recorded in Plat Book 18, Page 143, Lumpkin County Records, and which is incorporated by reference herein.

Tax ID #: 094 072

By Fee Simple Deed from Sandra W. Own by as set forth in Deed Book P13, Page 000333 and recorded on 7/15/1994, Lumpkin County Records.

The Source Deed as stated above is the last record of vesting filed for this property. There have been no vesting changes since the date of the above referenced source.

which has the property address of 430 Kate Road, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Jerry W Ownby and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

GMAC Mortgage, LLC Attorney in Fact for

Jerry W Ownby

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

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.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Cellso D. Perez to Wells Fargo Home Mortgage, Inc., dated June 28, 2002, recorded in Deed Book O29, Page 200, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of EIGHTY-SIX THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($86,500.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Celso D. Perez or a tenant or tenants and said property is more commonly known as 523 Jeff Sullens Road, Dahlonega, Georgia 30533. 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.

Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc.

as Attorney in Fact for

Cellso D. Perez

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/tg5 3/6/12

Our file no. 51525011-FT7

EXHIBIT “A”

All that tract or parcel of land lying in Land Lot 73 of the 11th Land District, originally Hall now Lumpkin County, Georgia, containing 1.000 acres more or less and being described on a plat of survey dated February 2, 1996 for Jeff Smith, recorded in Plat Book 30, Page 43, Lumpkin County records; said plat being incorporated herein by reference for a more complete description of property. Also conveyed herewith is a 2002 Fleetwood Eagle Trace, 24 X 48 manufactured home, Serial Number GAFL154AB86711-ET11 which is attached to and made a part of the real property. MR/tg5 3/6/12 Our file no. 51525011 - FT7

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Jimmie R Pruitt to JPMorgan Chase Bank, N.A., dated April 21, 2005, recorded in Deed Book R35, Page 735, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED TWENTY THOUSAND AND 0/100 DOLLARS ($220,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 119, 11th District, Lumpkin County, Georgia, and being Lot 3, Phase I, Gold Cove Subdivision, as shown on plat, recorded in Plat Book 28, Page 154, Lumpkin County, Georgia Records. 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). JPMorgan Chase Bank, National Association can be contacted at 800-446-8939 or by writing to 3415 Vision Drive, Columbus, OH 43219, to discuss possible alternatives to foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property is Jimmie R Pruitt or a tenant or tenants and said property is more commonly known as 211 Gold Crest Drive, Dahlonega, Georgia 30533. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

JPMorgan Chase Bank, National Association also known as JPMorgan Chase Bank, N.A.

as Attorney in Fact for

Jimmie R Pruitt

Johnson & Freedman, LLC

1587 Northeast Expressway

Atlanta, Georgia 30329

(770) 234-9181

www.jflegal.com

MSP/lnu 3/6/12

Our file no. 1878711-FT20

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Salvatore J. Ranfone to Mortgage Electronic Registration Systems, Inc., dated June 18, 2007, recorded in Deed Book 1051, Page 656, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 197, Page 26, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED FORTY-TWO THOUSAND TWO HUNDRED FIFTY AND 0/100 DOLLARS ($242,250.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Salvatore J. Ranfone or a tenant or tenants and said property is more commonly known as 16 Deer Ridge Trail, Dahlonega, Georgia 30533.

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

Salvatore J. Ranfone

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/ts1 3/6/12

Our file no. 5197810-FT14

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 583 of the 12th District, 1sr Section Lumpkin County, Georgia, being Lot 89, Phase II of Crooked Creek Subdivision, as per plat thereof recorded in Plat Cabinet 1 Slide 110, Page 186A & 187-195, Lumpkin County, Georgia records, which recorded plat is incorporated herein by reference and made a part of this description. MR/ts1 3/6/12 Our file no. 5197810 - FT14

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Diane Roddy to Mortgage Electronic Registration Systems, Inc., dated December 5, 2006, recorded in Deed Book 1017, Page 565, Lumpkin County, Georgia Records and as re-recorded in Deed Book 1022, Page 76, Lumpkin 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 1170, Page 170, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTY-TWO THOUSAND NINE HUNDRED FOURTEEN AND 0/100 DOLLARS ($132,914.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Diane Roddy or a tenant or tenants and said property is more commonly known as 329 Summer Glen Road, Dahlonega, Georgia 30533. 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 Diane Roddy

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/dlc1 3/6/12

Our file no. 52263710-FT11

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 71 of the 11th District of Lumpkin County, Georgia, being Tract 1, containing 1.72 acres on Summer Glen Road as per plat of survey recorded at Plat Cabinet 1, Slide 91, Page 16, Lumpkin County, Georgia Records, which plat is incorporated herein and made a part hereof by reference. Also conveyed herewith: A 2004 Horton “Boss” Manufactured Home, 30 X 68, VIN # GEO 1403359 and GEO 1403360. MR/dlc1 3/6/12 Our file no. 52263710 - FT11

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Bryan T. Schoonmaker to Mortgage Electronic Registration Systems, Inc., dated January 7, 2005, recorded in Deed Book B35, Page 80, Lumpkin County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment recorded in Deed Book 1172, Page 147, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-SEVEN THOUSAND NINE HUNDRED TEN AND 0/100 DOLLARS ($197,910.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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: JPMorgan Chase Bank, National Association, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Bryan T. Schoonmaker or a tenant or tenants and said property is more commonly known as 450 Lake Laurel Drive, Dahlonega, Georgia 30533. 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. JPMorgan Chase Bank National Association successor by merger to Chase Home Finance LLC

as Attorney in Fact for

Bryan T. Schoonmaker McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/em2 3/6/12

Our file no. 52366610-FT18

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 126 and 127 of the 11th District of Lumpkin County, Georgia, being Lot 40, Laurel Forest Subdivision, as per plat recorded in Plat Cabinet 1, Slide 72, Plat 31, Lumpkin County, Georgia records, which plat is incorporated herein and made a part hereof by reference. MR/em2 3/6/12 Our file no. 52366610 - FT18

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Edward Shaw and Kimberly Shaw to Mortgage Electronic Registration Systems, Inc., as nominee for Equifirst Corporation dated 12/22/2005 and recorded in Deed Book C 37 Page 322, LUMPKIN County, Georgia records; as last transferred to US Bank National Association as Trustee by Assignment filed for record in LUMPKIN County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 109,800.00, 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 LUMPKIN County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012 (March 06, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE FIRST (1ST) DISTRICT OF ORIGINALLY HABERSHAM, NOW LUMPKIN COUNTY, AND BEING 1/2 ACRES, MORE OR LESS, OF LAND LOT NUMBER NINETY-EIGHT (98) IN SAID DISTRICT AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT AN IRON PIN ON THE NORTHEASTERLY SIDE OF E.D. BURGESS ROAD AT A FENCE ON THE

WEST LINE OF THE EUGENE CHAPMAN PROPERTY; RUNNING THENCE IN A NORTHERLY DIRECTION

ALONG THE FENCE 363 FEET, MORE OR LESS, TO AN IRON PIN AT A FENCE CORNER; RUNNING THENCE IN

AN EASTERLY DIRECTION ALONG THE FENCE 47 FEET, MORE OR LESS, TO AN IRON PIN AT A FENCE

CORNER, RUNNING THENCE IN A SOUTHERLY DIRECTION ALONG THE FENCE 393 FEET MORE OR LESS, TO

AN IRON PIN ON THE NORTHERLY SIDE OF THE E.D. BURGESS ROAD; RUNNING THENCE IN A WESTERLY

DIRECTION ALONG THE NORTHERLY SIDE OF THE ROAD 51 FEET, MORE OR LESS, TO AN IRON PIN AT THE

EUGENE CHAPMAN FENCE AND THE POINT OF BEGINNING.

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 44 Starbridge Road, Murrayville, GA 30564 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): Kimberly Shaw and Edward Shaw or tenant or tenants.

Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) the right of redemption of any taxing authority, (c) any matters which might be disclosed by an accurate survey and inspection of the property, and (d) 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.

US Bank National Association as Trustee as agent and Attorney in Fact for Edward Shaw and Kimberly Shaw

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. 1165-520

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Brian L Smith and Megan N Smith to Mortgage Electronic Registration Systems, Inc. as nominee for Liberty Mortgage Corporation, its successors and assigns dated September 1, 2006 in the amount of $105,000.00, and recorded in Deed Book 1005, Page 79, Lumpkin County, Georgia Records; as last transferred to Branch Banking and Trust Company by assignment; the undersigned, Branch Banking and Trust Company 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 March, 2012 , during the legal hours of sale, at the Courthouse door in Lumpkin 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 29 of the 13th Land District, 1st Section of Lumpkin County, Georgia, designated as Lot 56 of Chesterra Subdivision,, containing 1.60 acres, as shown on plat of survey prepared by Michael L. Scupin, Georgia Registered Land Surveyor No. 1964, recorded in Plat Book 13, Page 92, Lumpkin County, Georgia records, said plat being incorporated herein by reference for a more complete description

which has the property address of 52 Valley Run Court, Dahlonega, Georgia, together with all fixtures and other personal property conveyed by said deed.

The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property.

The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed.

Notice has been given of intention to collect attorneys’ fees in accordance with the terms of the note secured by said deed.

Said property will be sold as the property of Brian L Smith and Megan N 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.

Branch Banking and Trust Company

Attorney in Fact for

Brian L Smith and Megan N Smith

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Dahlonega Nugget

Publication Dates:02-08-2012, 02-15-2012, 02-22-2012, 02-29-2012

File No. 12-00759 /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.

(2/8, 2/15,2/22, 2/29)

Notice of Sale Under Power

GEORGIA, LUMPKIN 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 Terry Stapleton and Amy Stapleton to Mortgage Electronic Registration Systems, Inc., dated January 3, 2007, recorded in Deed Book 1023, Page 537, Lumpkin County, Georgia Records, as last transferred to Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP formerly known as Countrywide Home Loans Servicing LP by assignment recorded in Deed Book 1195, Page 78, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-SIX THOUSAND TWO HUNDRED AND 0/100 DOLLARS ($176,200.00), 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 Lumpkin County, Georgia within the legal hours of sale on the first Tuesday in March, 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 Terry Stapleton and Amy Stapleton or a tenant or tenants and said property is more commonly known as 133 Corbin Ln, Dahlonega, Georgia 30533. 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

Terry Stapleton and Amy Stapleton

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/tlj 3/6/12

Our file no. 51267211-FT14

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 205 of the 15th District, 1st Section of Lumpkin County, Georgia, being 1.407 acres, more or less, and being more particularly set out as Lot 3-A on a Plat of Survey dated October 26, 2004, prepared for Michael R. Glean, by Randall E. Nichols, Georgia Registered Land Surveyor, recorded in Plat Cabinet 1, Slide 107, Plat 129B, Lumpkin County, Georgia Records. Address: 133 Corbin Ln.; Dahlonega, GA 30533 Tax Map or Parcel ID No.: 089-126 MR/tlj 3/6/12 Our file no. 51267211 - FT14

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

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 Dina G Warcop and Kermit W Warcop to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $110,700.00 dated 08/12/2002, and recorded in Deed Book W-29, page 393, Lumpkin County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of March, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for Dina G Warcop and Kermit W Warcop the following described property:

All that tract or parcel of land lying and being in Land Lot 115 of the 11th District of Lumpkin County (Originally Hall County), being shown and depicted as Tract A, being a 3,00 acre parcel, per Plat of same recorded at Plat Cabinet 1, Slide 49, Page 172, Lumpkin County, Georgia records, which plat is incorporated herein by reference and made a part hereof by reference.

Property known as: 375 Grainger Road, Dahlonega, GA 30533

The indebtedness secured by said Deed to Secure Debt having been declared due and payable because of default in the payment of the indebtedness secured thereby, this sale will be made for the purposes of paying the same and all expenses of sale, including attorney’s fees, (notice having been given as provided by law).

The property will be sold as the property of The Aforesaid Grantors subject to the following:

(1) all prior restrictive covenants, easements, rights-of-way or encumbrances; (2) all valid zoning ordinances; (3) matters which would be disclosed by an accurate survey of the property; (4) the outstanding ad valorem taxes and assessments, if any; (5) unpaid water and sewage bills, that constitute liens against the property, whether due and payable or not yet due and payable; and (6) matters of record superior to the security deed first set out above.

Pursuant to O.C.G.A. Section 44-14-162.2 the name of the person or entity who has the full authority to negotiate, amend, or modify the terms of the aforementioned indebtedness is:

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

Nothing contained in this Notice of Sale shall obligate Lender to negotiate, amend or modify said indebtedness.

To the best of the undersigned’s knowledge and belief, the party in possession is Dina G Warcop and Kermit W Warcop.

CitiMortgage, Inc., as Attorney-in-fact for Dina G Warcop and Kermit W Warcop.

This law firm is acting as a debt collector attempting to collect a debt, any information obtained will be used for that purpose.

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-00725

(2/8, 2/15,2/22, 2/29)

STATE OF GEORGIA

COUNTY OF LUMPKIN

Notice of Sale Under Power

Under and by virtue of the power of sale contained in a Security Deed from A. DALE WILLIAMS, III to UNITED COMMUNITY BANK, dated April 4, 2003, recorded April 7, 2003, in Deed Book D31, Page 334, Lumpkin County, Georgia records, as last modified by Modification of Security Deed dated January 23, 2012 and recorded in Deed Book 1204, Page 587, Lumpkin County, Georgia records, said Security Deed being given to secure a Note from A. DALE WILLIAMS, III dated April 10, 2009 in the original principal amount of Eighty Nine Thousand Five Hundred Eighty Seven and 19/100 ($89,587.19) 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 Lumpkin County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 123, 4th District, 1st Section, Lumpkin County, Georgia, described as Tract A, containing 1.34 acres, more or less, and Tract B, containing 2.07 acres, more or less, as shown on that survey for UCBI dated March 23, 2011, prepared by Roger N. London, RLS No. 2592, London Land Surveying, Job. No. 11024, and being more particularly described according to said survey as follows:

TRACT A:

To find the true point of beginning, commence at the centerline intersection of Kelli Lane and Hester Gap Road and from thence proceed South 67 degrees 39 minutes 54 seconds East 1004.7 feet to a point along the southern right of way of Kelli Lane, being the true point of beginning. From the true point of beginning, proceed along the southern right of way of Kelli Lane the following thirteen courses and distances: South 83 degrees 47 minutes 30 seconds East 2.34 feet to a point; South 77 degrees 43 minutes 30 seconds East 37.81 feet to a point; South 54 degrees 55 minutes 11 seconds East 24.89 feet to a point; South 25 degrees 20 minutes 22 seconds east 30.95 feet to a point; South 09 degrees 39 minutes 19 seconds East 42.16 feet to a point; South 09 degrees 40 minutes 03 seconds East 47.52 feet to a point; South 14 degrees 53 minutes 43 seconds East 46.67 feet to a point; South 22 degrees 02 minutes 05 seconds East 43.76 feet to a point; South 22 degrees 00 minutes 04 seconds East 32.01 feet to a point; South 01 degrees 49 minutes 37 seconds East 17.25 feet to a point; South 06 degrees 02 minutes 20 seconds West 7.61 feet to a point; South 11 degrees 26 minutes 51 seconds West 49.02 to a point; and South 11 degrees 15 minutes 37 seconds West 33.47 feet to a 1⁄2 inch rebar iron pin found; thence leaving said right of way and proceeding North 74 degrees 17 minutes 54 seconds West 490 feet to a 1⁄2 inch crimped top pipe in a rock pile; thence proceeding North 88 degrees 06 minutes 36 seconds East 313.78 feet to a 1⁄2 inch metal rod iron pin found; thence North 12 degrees 02 minutes 17 seconds East 221.92 feet to a point along the southern right of way of Kelli Lane, the same being the true point of beginning.

TRACT B:

To find the true point of beginning, commence at the centerline intersection of Kelli Lane and Hester Gap Road and from thence proceed South 67 degrees 39 minutes 54 seconds East 1004.7 feet to a point along the southern right of way of Kelli Lane; thence continue along said right of way the following 13 courses and distances: South 83 degrees 47 minutes 30 seconds East 2.34 feet to a point; South 77 degrees 43 minutes 30 seconds East 37.81 feet to a point; South 54 degrees 55 minutes 11 seconds East 24.89 feet to a point; South 25 degrees 20 minutes 22 seconds east 30.95 feet to a point; South 09 degrees 39 minutes 19 seconds East 42.16 feet to a point; South 09 degrees 40 minutes 03 seconds East 47.52 feet to a point; South 14 degrees 53 minutes 43 seconds East 46.67 feet to a point; South 22 degrees 02 minutes 05 seconds East 43.76 feet to a point; South 22 degrees 00 minutes 04 seconds East 32.01 feet to a point; South 01 degrees 49 minutes 37 seconds East 17.25 feet to a point; South 06 degrees 02 minutes 20 seconds West 7.61 feet to a point; South 11 degrees 26 minutes 51 seconds West 49.02 to a point; and South 11 degrees 15 minutes 37 seconds West 33.47 feet to a 1⁄2 inch rebar iron pin found, the same being the true point of beginning. From the true point of beginning, continue to proceed along said right of way of Kelli Lane the following four courses and distances: South 11 degrees 15 minutes 37 seconds West 14.62 feet to a point; South 16 degrees 00 minutes 26 seconds West 48.32 feet to a point; South 15 degrees 14 minutes 28 seconds West 47.02 feet to a point; and South 13 degrees 56 minutes 47 seconds West 23.84 feet to a 1⁄2 inch rebar iron pin found; thence leaving said right of way and proceeding South 89 degrees 45 minutes 13 seconds West 540.19 feet to a 1⁄2 inch rebar iron pin found; thence North 42 degrees 57 minutes 26 seconds East 94.13 feet to an iron pin set with cap; thence North 49 degrees 33 minutes 23 seconds East 54.95 feet to an iron pin set with cap; thence North 32 degrees 20 minutes 24 seconds East 122.15 feet to a 1⁄2 inch crimped top pipe iron pin found in a rock pile; thence North 50 degrees 30 minutes 42 seconds West 88.82 feet to a 1⁄2 inch crimped top iron pin found in a rock pile; thence proceeding South 74 degrees 17 minutes 54 seconds East 490 feet to a 1⁄2 inch rebar iron pin found along the right of way of Kelli Lane, the same being the true point of beginning.

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 A. DALE WILLIAMS, III or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for A. DALE WILLIAMS, III

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-01378

(2/8, 2/15,2/22, 2/29)

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