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November 22, 2014
Legals (10-16-13)
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gpn11

NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Danny Rollins and Selina Rollins to Mortgage Electronic Registration Systems, Inc. as nominee for Decision One Mortgage Company, LLC dated 7/14/2005 and recorded in Deed Book E-36 Page 382, Lumpkin County, Georgia records; as last transferred to or acquired by U.S. Bank National Association, as Trustee for Credit Suisse First Boston Mortgage Securities Corp., Home Equity Asset Trust 2005-7, Home Equity Pass-Through Certificates, Series 2005-7, conveying the after-described property to secure a Note in the original principal amount of $ 121,600.00, 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 November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 114, 13TH DISTRICT 1ST SECTION, LUMPKIN COUNTY, GEORGIA, CONTAINING 1.017 ACRES, MORE OR LESS, AND BEING KNOWN AS TRACT #1-A, ACCORDING TO THAT PLAT OF SURVEY, DATED MAY 31, 1996, PREPARED BY MICHAEL S. KELLEY, GEORGIA REGISTERED LAND SURVEYOR, AND RECORDED IN PLAT BOOK 30, PAGE 177, LUMPKIN COUNTY, GEORGIA RECORDS, 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, 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 939 Blackburn Road, Dawsonville, GA 30534 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): Danny Rollins and Selina Rollins or tenant or tenants. Wells Fargo Bank, NA is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. Wells Fargo Bank, NA Loss Mitigation 3476 Stateview Boulevard Fort Mill, SC 29715 1-800-662-5014 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. U.S. Bank National Association, as Trustee for Credit Suisse First Boston Mortgage Securities Corp., Home Equity Asset Trust 2005-7, Home Equity Pass-Through Certificates, Series 2005-7 as agent and Attorney in Fact for Danny Rollins and Selina Rollins Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1000-667498879A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667498879A

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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Phyllis Johnson and Thomas Johnson to Mortgage Electronic Registration Systems, Inc., as nominee for American Mortgage Network, Inc. dated 4/15/2008 and recorded in Deed Book 1091 Page 365, Lumpkin County, Georgia records; as last transferred to or acquired by Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 168,490.00, 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 November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: All that tract or parcel of land lying and being in Land Lot 99, 1st District, Lumpkin County, Georgia, containing 1.02 acres, and being shown as Tract "A" on a plat of survey for Jerry Dean Ayers, dated October 8, 1997 by Frederick F. Kaufman, Georgia Registered Land Surveyor #1774, and being more particularly described as follows: ??To find the True Point of Beginning, begin at a point located at the common corner of Land Lots 109, 100, 99 and 110, thence South 01 degrees 08 minutes 31 seconds West a distance of 833.22 feet to a 1/2" rebar; thence South 01 degrees 08 minutes 31 seconds West a distance of 200.62 feet to a 1/2" rebar located on the northerly side of the right of way of Norman Bell Road (80 foot right of way); thence South 68 degrees 06 minutes 28 seconds East a distance of 43.33 feet to a point; which point is the True Point of Beginning; from the True Point of Beginning thus established, proceed North 19 degrees 12 minutes 01 seconds West a distance of 59.03 feet to a point; thence North 01 degrees 08 minutes 31 seconds East a distance of 157.71 feet to a point; thence South 80 degrees 33 minutes 49 seconds East a distance of 229.79 feet to a 1/2" rebar; thence South 11 degrees 41 minutes 57 seconds West a distance of 218.77 feet to a point located on the northerly side of the 80 foot right of way of Norman Bell Road; thence North 80 degrees 21 minutes 45 seconds West a distance of 88.33 to a point; thence North 73 degrees 18 minutes 06 seconds West a distance of 82.44 feet to a point; which is the True Point of Beginning. Also, conveyed herewith is an easement for ingress and egress to subject property from Norman Bell Road across Tract "B" which easement is more particularly shown on said plat of survey, a copy of which is attached as Exhibit "B" on Warranty Deed recorded in Deed Book K 36, Page 50 and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, 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 311 Norman Bell Road, Murryville, 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): Phyllis Johnson and Thomas Johnson or tenant or tenants. Wells Fargo Bank, NA is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. Wells Fargo Bank, NA Loss Mitigation 3476 Stateview Boulevard Fort Mill, SC 29715 1-800-662-5014 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. Wells Fargo Bank, NA as agent and Attorney in Fact for Phyllis Johnson and Thomas Johnson Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1000-667500197A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667500197A

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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY Pursuant to the Power of Sale contained in a Security Deed given by Curtis L. Smith and Annie L. Smith to Mortgage Electronic Registration Systems, Inc. as nominee for Security Atlantic Mortgage Co. Inc. dated 2/9/2009 and recorded in Deed Book 1124 Page 521, LUMPKIN County, Georgia records; as last transferred to or acquired by BANK OF AMERICA, N.A., conveying the after-described property to secure a Note in the original principal amount of $ 183,150.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: All that tract or parcel of land lying and being in Land Lot 1060 of the 12th Land District and 1st Section of Lumpkin County, Georgia consisting of 2.09 acres, more or less, according to plat of survey prepared April 29, 1995 by Michael L. Soupin, R.L.S. and recorded in Plat Book 28, page 69, Lumpkin County, Georgia records; Said plat and the record thereof being incorporated herein by reference for a more complete description. **FOR INFORMATIONAL PURPOSES ONLY** The improvements thereon being known as No. 3018 Morrison Moore Pkwy E, Dahlonega, GA 30533. Being the same property, which by Deed dated June 12, 2007 and recorded June 26, 2007 among the Land Records of Lumpkin County, Georgia in Book 1049, Page 250, was granted and conveyed by Whitney Shanti Lynn Smith, by Curtis L. Smith and Annie L. Smith, conservator for the estate of Whitney Shanti Lynn Smith unto Whitney Shanti Lynn Smith, Curtis L. Smith and Annie L. Smith. PARCEL ID NO: 077-081 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 3018 Morrison Moore Parkway East, Dahlonega, GA 30533 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): Curtis L. Smith and Annie L. Smith or tenant or tenants. Bank of America is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. Bank of America Home Loan Assistance Dept. 7105 Corporate Drive Plano, TX 75024 (800) 846-2222 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. BANK OF AMERICA, N.A. as agent and Attorney in Fact for Curtis L. Smith and Annie L. Smith Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1016-667497856A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-667497856A

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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Sheri S. Fields and Ricky A. Fields to Mortgage Lenders Network USA, Inc. dated 5/2/2002 and recorded in Deed Book I-29 Page 40, LUMPKIN County, Georgia records; as last transferred to or acquired by LNV Corporation, conveying the after-described property to secure a Note in the original principal amount of $ 225,250.00, 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 November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: TRACT 1: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 514, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY MICHAEL STEWART KELLEY, GEORGIA REGISTERED LAND SURVEYOR, DATED JANUARY 29, 1998: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 3.338 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT CABINET ONE, SLIDE 12, PAGE 36B, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.TRACT 2: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 514, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY SOLAR LAND SURVEYING COMPANY, GEORGIA REGISTERED LAND SURVEYORS, DATED JUNE 17, 1995 AND AS PER SAID PLAT, THE PROPERTY CONTAINS 2.00 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 28, PAGE 111, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE. 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. 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 289 Pathfinder Lane, Dahlonega, GA 30533 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): Sheri S. Fields and Richard A. Fields or tenant or tenants. LNV Corporation is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. LNV Corporation Loss Mitigation Department 1 Corporate Center Drive, Suite 360 Lake Zurich, IL 60047 1-888-395-3997 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. LNV Corporation as agent and Attorney in Fact for Sheri S. Fields and Ricky A. Fields Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1072-3064A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1072-3064A

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NOTICE OF FORECLOSURE SALE UNDER POWER

LUMPKIN COUNTY, GEORGIA

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

Under and by virtue of the Power of Sale contained in a Security Deed given by Christopher K. Carroll to Mortgage Electronic Registration Systems, Inc. as nominee for SunTrust Mortgage, Inc., dated December 29, 2009, and recorded in Deed Book 1151, Page 273, Lumpkin County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded on November 21, 2012 in Book 1299 Page 683 in the Office of the Clerk of Superior Court of Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of One Hundred Thirty-Seven Thousand Four Hundred Sixty-Four and 0/100 dollars ($137,464.00), 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 November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 122 of the 1st District, originally Habersham, now Lumpkin, County, Georgia, and being labeled as Lot 16, containing 2.35 acres, more or less, per a plat of survey prepared for Winters Mountain by Bakkum-Deloch and Associates, Georgia Registered Surveyors, dated March 27, 1987, recorded in Plat Book 18, Page 51, Lumpkin County, Georgia Records. Said plat being incorporated herein by reference and made a part of this description. And also: All that tract or parcel of land lying and being in Land Lot 122 of the 1st District, originally Habersham, now Lumpkin County, Georgia, consisting of 1.664 acres, more or less, and being designated as Lot 17A, Containing 1.118 acres, more or less, and Lot 17C, containing 0.546 acres, more or less, Winters Mountain Subdivision, as per plat recorded in Plat Book 27, Page 24, Lumpkin County, Georgia Records. Said plat being incorporated herein by reference and made a part of this description. This property is subject to Restrictive Covenants recorded in Deed Book R6, Page 163, Lumpkin County Records, and is subject to the Road Maintenance Agreement recorded in Deed Book R6, Page 159, aforesaid 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). Your mortgage servicer can be contacted at (800) 443-1032 - Loss Mitigation Dept., or by writing to PO Box 27767, Richmond, Virginia 23261, to discuss possible alternatives to avoid foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Christopher Kalil Carroll or tenant(s); and said property is more commonly known as 117 Hillstream Drive, Dahlonega, GA 30533. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. SunTrust Mortgage, Inc. as Attorney in Fact for Christopher K. Carroll. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 13-05378

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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 Jeremy Furlong to JPMorgan Chase Bank, N.A., dated August 17, 2007, recorded in Deed Book 1065, Page 172, Lumpkin County, Georgia Records, as last transferred to Federal National Mortgage Association by assignment recorded in Deed Book 1243, Page 756, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-FOUR THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($194,400.00), 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 November, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 44, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Douglas R. Sherrill, Georgia Registered Land Surveyor, dated December 6, 2006; and as per said plat, the property is more particularly described as Lot 8, The subject plat being of record I plat cabinet one, Slide 140, Page 200, Lumpkin County, Georgia Records. Said plat is hereby incorporated by reference. Also conveyed herein is an easement for ingress and egress over Wild Deer Trace and Deer Lane as shown on the above reference plat of survey. Subject property is conveyed subject to the following restrictive covenants: 1) Stick built single family residences only with a minimum of 1600 square feet to heated space. No mobile homes of any types shall be allowed. 2) Exterior of all residences and any out building to be covered with wood siding. Any other exterior siding must be approved in writing by developer prior to placement of siding on the structure 3) No poultry houses or commercial breeding facilities shall be allowed on any portion of subject property 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 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). Seterus, Inc. holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association. Seterus, Inc. can be contacted at 888-917-3094 or by writing to 14523 S.W. Millikan Way Suite 200, Beaverton, OR 97005, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. 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 Jeremy Furlong or a tenant or tenants and said property is more commonly known as 216 Wild Deer Trace, Dawsonville, Georgia 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. Federal National Mortgage Association as Attorney in Fact for Jeremy Furlong Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/wd1 11/5/13 Our file no. 1368413-FT1

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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 David A Steffes aka David Steffes to Bank of America, N.A., dated July 20, 2007, recorded in Deed Book 1057, Page 570, Lumpkin County, Georgia Records, as last transferred to M&T Bank by assignment recorded in Deed Book 1208, Page 415, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-THREE THOUSAND SIX HUNDRED AND 0/100 DOLLARS ($153,600.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in November, 2013, 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. M&T Bank is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: M&T Bank, P.O. Box 1288, Buffalo, NY 14240, 800-724-1633. To the best knowledge and belief of the undersigned, the party in possession of the property is David Steffes or a tenant or tenants and said property is more commonly known as 60 Trahlyta 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. M&T Bank as Attorney in Fact for David A Steffes aka David Steffes McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/crp1 11/5/13 Our file no. 5532512-FT8 EXHIBIT "A" All that tract or parcel of land lying and being in Land Lot 856, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Michael Stewart Kelley, Georgia Registered Land Surveyor, dated August 2, 1995: and as per said plat, the property contains 0.704 acres, more or less, the subject plat being of record in Plat Book 28, Page 142, Lumpkin County records. Said plat is hereby incorporated by reference. Also conveyed herewith is an easement for access, ingress, and egress, and the installation of utilities over and upon the driveways depicted on the subject property connecting the subject property with a publicly maintained 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 records or easements located on the property above described. Tax ID #: D01 011 By fee simple deed from Garrett S. Wade and Amy S. Wade to David Steffes as set forth in Deed Book W31, Page 383, dated 7/18/2003 and recorded on 7/22/2003, 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. MR/crp1 11/5/13 Our file no. 5532512 - FT8

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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 Jeremy D Crane and Jessi J Crane to Mortgage Electronic Registration Systems, Inc. as nominee for Branch Banking and Trust Company, its successors and asssigns, dated March 24, 2009, recorded in Deed Book 1126, Page 216, Lumpkin County, Georgia Records, as last transferred to Branch Banking and Trust Company by assignment to be recorded in the Office of the Clerk of Superior Court of Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY THOUSAND AND 0/100 DOLLARS ($180,000.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in November, 2013, 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. Branch Banking and Trust Company is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722. To the best knowledge and belief of the undersigned, the party in possession of the property is Jeremy D Crane and Jessi J Crane or a tenant or tenants and said property is more commonly known as 6503 Dawsonville Hwy, 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. Branch Banking and Trust Company as Attorney in Fact for Jeremy D Crane and Jessi J Crane McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/crp1 11/5/13 Our file no. 5658013-FT8 EXHIBIT "A" BUYER JEREMY D CRANE and JESSI J CRANE FILE NO 0910420D ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 42 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONTAINING 2 00 ACRES AS PER PLAT OF SURVEY PREPARED BY JEREMY D KELLEY SURVEYING, GRL #2313, SAID PLAT DATED 12/20/2006, AND RECORDED IN CABINET ONE, SLIDE 143, PAGE 51A, LUMPKING COUNTY, GEORGIA RECORDS WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE MR/crp1 11/5/13 Our file no. 5658013 - FT8

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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 Alexander G. Povilaitis Jr. and Kimberly P. Povilaitis to Pine State Mortgage Corproation dated June 5, 1998, and recorded in Deed Book G20, Page 18, 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 $76,150.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 5, 2013, 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 91 OF THE 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 218, BELL CREEK SUBDIVISION, UNIT ONE, AS PER PLAT RECORDED IN PLAT BOOK 8, PAGE 177, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LUMPKIN COUNTY, GEORGIA, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION. Said property is known as 218 Signal Ridge, Dawsonville, GA 30534, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor. The property is or may be in the possession of Kimberly P. Povilaitis, Alexander G. Povilaitis, Jr., and The Estate of Alexander G. Povilaitis, Jr., successor in interest or tenant(s). Wells Fargo Bank, N.A. as Attorney-in-Fact for Alexander G. Povilaitis Jr. and Kimberly P. Povilaitis File no. 13-043286 SHAPIRO, SWERTFEGER & HASTY, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100 Atlanta, GA 30341-3941 (770) 220-2535/KLM HYPERLINK "http://www.swertfeger.net" www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS]

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Anna Balboni and Gerardo M. Balboni, III to Mortgage Electronic Registration Systems, Inc. as nominee for American Mortgage Express Corp. its successors and assigns dated August 18, 2006 in the amount of $99,000.00, and recorded in Deed Book 1003, Page 147, Lumpkin County, Georgia Records; as last transferred to Bank of America, N.A. by assignment; the undersigned, Bank of America, N.A. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2013 , 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 632 in the 5th District, 1st Section of Lumpkin County, Georgia, consisting of 10 (ten) acres, more or less and being more fully described and delineated according to a plat of survey prepared April 24, 1979, by Beallo-Mundy and Associates, Georgia Registered Surveyer, which is recorded in Plat Book 7, Pafe 271, Lumpkin County, Georgia Records, which is incorporated by reference herein, Less and Except that certain 5.80 acre tract that was conveyed to Elizabeth Mincey under a Warranty Deed dated April 30, 1984, which is recorded in Deed Book R-4, Page 565, Lumpkin County Records, and Less and Except that certain 1.53 acre tract that conveyed was conveyed to John W. Clark and Helen E. Clark under a Warranty Deed, dated April 4, 1991, which is recorded in Deed Book W-9, Page 162-163,Lumpkin County Records. which has the property address of 32 Harvest 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Anna Balboni and Gerardo M. Balboni, III or tenant or tenants 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. Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage is as follows: Bank of America, N.A. Home Loan Assistance Dept. Plano, TX 75024 Phone Number: (800) 669-6650. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. Bank of America, N.A. Attorney in Fact for Anna Balboni and Gerardo M. Balboni, III McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 13-02737 /FNMA/lseymore THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Bobby Gene Hunter, 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 the Estate are required to make immediate payment to us. This 23rd day of September, 2013 Regina Harrison Hunter Executor 430 Lost Place Dahlonega GA 30533

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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 JOERN SEIGIES which affidavit states that he, Joern Seigies and Ann Carolyn Seigies, 19 Pierces Pond Road, Murrayville GA 30564, are owners and conducting a business of Agriculture, operating under the trade name of BRAMBERI FARM AND GARDENS Witness my official signature and seal of the Superior Court this 25th day of September, 2013 Rita Harkins Clerk of Superior Court

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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 CHARLES ELIAS JR AND ANNE MARIE ELIAS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR CORNERSTONE LENDERS, LLC , dated 08/13/2008, and Recorded on 09/03/2008 as Book No. 1106 and Page No. 412-420, LUMPKIN County, Georgia records, as last assigned to U.S. BANK NATIONAL ASSOCIATION (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $166,815.00, 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 November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1197 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 97, CONTAINING 1.12 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED ACCORDING TO A PLAT OF SURVEY OF UNIT 7 OF THE CHESTERRA SUBDIVISION, PREPARED BY MICHAEL L. SCUPIN, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT BOOK 13, PAGE 128, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A PART OF THIS DESCRIPTION. 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). U.S. BANK NATIONAL ASSOCIATION holds the duly endorsed Note and is the current assignee of the Security Deed to the property. U.S. BANK NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with U.S. BANK NATIONAL ASSOCIATION (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, U.S. BANK NATIONAL ASSOCIATION may be contacted at: U.S. BANK NATIONAL ASSOCIATION, 4801 FREDERICA ST, OWENSBORO, KY 42301, 855-698-7627. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 434 PINE TRAIL, DAHLONEGA, GEORGIA 30533 is/are: CHARLES ELIAS JR AND ANNE MARIE ELIAS 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. U.S. BANK NATIONAL ASSOCIATION as Attorney in Fact for CHARLES ELIAS JR AND ANNE MARIE ELIAS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120090100648 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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NOTICE TO DEBTORS AND CREDITORS

To: All Creditors of Cleta Mae Fortner, late of Lumpkin County, Georgia On behalf of Cleta Mae Fortner, now deceased, you are hereby notified, pursuant to O.C.G.A. 53-7-92, to render in your demands and claims to and all persons who claim indebtedness by Cleta Mae Fortner: Cleta Mae Fortner c/o Kevin Tharpe - Executor of the Estate 405 Broad St. SE Gainesville, GA 30501

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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 DANAE BETZER AND KENNETH BETZER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR METRO BROKERS FINANCIAL INC. , dated 06/25/2003, and Recorded on 08/04/2003 as Book No. 231 and Page No. 46-55, LUMPKIN County, Georgia records, as last assigned to JPMORGAN CHASE BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $132,800.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 113, 1ST DISTRICT OF ORIGINALLY HALL, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 1.46 ACRES, MORE OR LESS, AS PER PLAT OF SURVEY PREPARED BY BURNS L. JEFFRIES, RLS, DATED JUNE 17, 2003, AND RECORDED IN PLAT BOOK 1-89, PAGE 174, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE FOR A MORE COMPLETE AND ACCURATE DESCRIPTION.BEING THE SAME PROPERTY CONVEYED BY GRANT P. CARMICHAEL AND MARY M. CARMICHAEL TO PAMELA B. CARMICHAEL AND THOMAS CARMICHAEL ON JANUARY 18, 1994 AND RECORDED IN DEED BOOK B13, PAGE 215, LUMPKIN COUNTY, GEORGIA RECORDS CONSISTING OF 1.5596 ACRES. 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). JPMORGAN CHASE BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with JPMORGAN CHASE BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, JPMORGAN CHASE BANK, NATIONAL ASSOCIATION may be contacted at: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, 3415 VISION DRIVE, COLUMBUS, OH 43219, 866-550-5705. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 116 HOLLY LANE, DAHLONEGA, GEORGIA 30533 is/are: DANAE BETZER AND KENNETH BETZER 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. JPMORGAN CHASE BANK, N.A. as Attorney in Fact for DANAE BETZER AND KENNETH BETZER. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120187400101 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Cameron James Fullerton 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 17th day of September, 2013. Daniel James Fullerton, Administrator 4540 Pisgah Road Cumming, GA 30028

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of George A. Maxin, 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 20th day of September, 2013. Jean M. Maxin, Executor 25 Woods-n-Water Drive Mount Dora, FL 32757

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Timothy Moore Singleton, 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 19th day of September, 2013. Martha A. Singleton, Executor 2103 Cavender Creek Road Dahlonega, GA 30533

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NOTICE OF INTENT TO INCORPORATE

Notice is given that Articles of Incorporation which will incorporate DOGSTUFF DEPOT, INC. will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 1162 Rocktree Road, Dahlonega, Lumpkin County, Georgia, 30533. The initial registered agent of the corporation at such address shall be Cordula Maring-Teichmann. Lisa M. Gable Robertson & Gable, LLC 5875 Peachtree Industrial Blvd., Suite 170 Norcross GA 30092 770-736-5182

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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 that certain Security Deed given by Gerardo M. Balboni to RBC Centura Bank now known as RBC Bank (USA), dated June 27, 2007 and filed June 28, 2007, recorded in Deed Book 1049, Page 721-732, Lumpkin County, Georgia Records, later transferred by merger to PNC Bank, National Association, conveying the after-described property to secure a Promissory Note in the original principal amount of Fifty six thousand five hundred and fifty dollars no cents ($56,550.00), 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 Tuesday November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 377 of the 5th Land District, First Section, of Lumpkin County, Georgia, being all of Tract 3 (containing 6.10 acres on Nimblewell Church Road) as shown on that plat for Steve Smith recorded in Plat Cabinet 1 Slide 132 Page 28 of the Lumpkin County, Georgia Deed Records to which said plat reference is made for a more detailed description. This is a portion of the property conveyed to Stephen R. Smith and Amber R. Smith recorded in Deed Book J-37, Pages 669-670 of the Lumpkin County, Georgia Deed Records. Said property is conveyed together with and subject to all easements, covenants and restrictions of record, if any. 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 Promissory 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, 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 Gerardo M. Balboni or a tenant or tenants and said property is more commonly known as Lot 3 Nimblewell Church Road, Dahlonega, GA 30533. In compliance with Georgia law, please find below the contact information for the entity who has authority to negotiate, amend, and modify the terms of the loan documents which may include a note, mortgage, security deed or deed to secure debt. PNC Bank, N.A. Loss Mitigation Department 3232 Newmark Drive Miamisburg, OH 45342 Phone: 888-224-4702 Fax: 855-288-3974 The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. PNC Bank, National Association, as Attorney in Fact for Gerardo M. Balboni By: Andrew D. Gleason Attorney for PNC Bank, National Association Lefkoff, Rubin, Gleason & Russo, P.C. 5555 Glenridge Connector Suite 900 Atlanta, Georgia 30342 (404)869-6900 (404)869-6909 (fax)

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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 Ginger L. Meade to Wells Fargo Bank, N.A. dated August 4, 2006, and recorded in Deed Book 1000, Page 94, Lumpkin County Records, securing a Note in the original principal amount of $71,379.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 5, 2013, 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 94, 13TH DISTRICT, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY FARLEY-COLLINS ASSOCIATES, GEORGIA REGISTERED LAND SURVEYOR, DATED NOVEMBER 9, 1983, LAST REVISED NOVEMBER 12, 1984: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 1.11 ACRES, MORE OR LESS, BEING MORE PARTICULARLY DESCRIBED AS LOT 5 OF THE CAIN BRIDGE HEIGHTS SUBDIVISION. THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 13, PAGE 49, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE. 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. Said property is known as 211 Cain Bridge Heights, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor. The property is or may be in the possession of Ginger L. Meade, successor in interest or tenant(s). Wells Fargo Bank, N.A. as Attorney-in-Fact for Ginger L. Meade File no. 13-042913 SHAPIRO, SWERTFEGER & HASTY, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100 Atlanta, GA 30341-3941 (770) 220-2535/KLM HYPERLINK "http://www.swertfeger.net" www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS]

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NOTICE OF REFERENDUM TO THE QUALIFIED VOTERS OF LUMPKIN COUNTY SCHOOL DISTRICT, GEORGIA

NOTICE IS HEREBY GIVEN that on the 5th day of November, 2013, a special election will be held at the regular polling places in all the election districts of Lumpkin County at which time there will be submitted to the qualified voters of Lumpkin County for their determination the question of whether a special sales and use tax for educational purposes of one percent shall continue to be levied, imposed and collected on all sales and uses in Lumpkin County for a period of time not to exceed twenty (20) calendar quarters and for the purpose of raising not more than $19,500,000 of net proceeds by said tax, which shall go to the School District for the purpose of (i) adding to, renovating, repairing, improving, equipping, and demolishing existing school buildings and school system facilities, including, but not limited to, roofing, HVAC and physical education/athletic facilities and fields; (ii) acquiring new computer hardware and software; (iii) acquiring miscellaneous new equipment, fixtures, and furnishings for the school district, including, but not limited to, safety and security equipment; (iv) acquiring school buses and transportation and maintenance equipment and facilities; (v) acquiring, constructing and equipping new buildings and facilities useful and desirable; (vi) acquiring land; and (vii) purchasing textbooks, the maximum amount sales and use tax proceeds to be spent on projects (i) through (vii) shall not exceed $19,500,000. The ballots to be used at such referendum shall have written or printed thereon substantially the following: _____ Yes _____ No Shall a special one percent sales and use tax for educational purposes be imposed in Lumpkin County for a period not to exceed twenty (20) calendar quarters and for the purpose of raising not more than $19,500,000 of net proceeds by said tax, which shall go to the School District for the purpose of (i) adding to, renovating, repairing, improving, equipping, and demolishing existing school buildings and school system facilities, including, but not limited to, roofing, HVAC and physical education/athletic facilities and fields; (ii) acquiring new computer hardware and software; (iii) acquiring miscellaneous new equipment, fixtures, and furnishings for the school district, including, but not limited to, safety and security equipment; (iv) acquiring school buses and transportation and maintenance equipment and facilities; (v) acquiring, constructing and equipping new buildings and facilities useful and desirable; (vi) acquiring land; and (vii) purchasing textbooks, the maximum amount sales and use tax proceeds to be spent on projects (i) through (vii) shall not exceed $19,500,000. The several places for holding said referendum shall be at the regular and established voting precincts of the election districts of Lumpkin County, Georgia, and the polls will be open from 7:00 a.m. to 7:00 p.m. on the date fixed for the referendum. All polling places will be open. Pursuant to Official Code of Georgia Annotated § 21-2-224(b) the registration deadline for this special election shall be at the close of business on the fifth Monday prior to the date of the special election or, if such Monday is a legal holiday, by the close of business on the following business day. The last day to register to vote in this referendum shall be October 7, 2013, through 5:00 p.m. Mail voter registration applications must be postmarked on or before October 7, 2013. This notice is given pursuant to a resolution of the Lumpkin County Board of Education adopted on July 22, 2013. This 10th day of September, 2013. s/Ashley Peck Election Superintendent, Lumpkin County Board of Elections

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NOTICE OF SALE UNDER POWER

STATE OF GEORGIA, COUNTY OF LUMPKIN.

By virtue of the power of sale contained in that certain Deed to Secure Debt from Darrell Cook and Jacqueline Cook to Ruby Nell Hall and filed for record in Deed Book R-37, Pages 375-379, Lumpkin County Records, having been given to secure a Note dated April 6, 2006, in the original principal sum of Five Hundred Seventy-Five Thousand and no/100s Dollars ($575,000.00), with interest from date at the rate stated in said Note on the unpaid balance until paid, as well as all other obligations, debts, liabilities, plus interest thereon, of Grantors to Lender, 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 November 5, 2013, the property described in the Exhibit "A" attached hereto. This property located at 437 Rider Mill Rd, Dahlonega, GA 30533. 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. The debt 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 (notice of intent to collect attorney's fees having been given). Said property will be sold subject to all outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), and matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning or land use ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The sale will be conducted subject to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code. To the best knowledge and belief of the undersigned, the party in possession of the property is Darrell Cook and Jacqueline Cook. Ruby Nell Hall has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor. Ruby Nell Hall may be contacted through her attorney, Joy L. Edelberg, Horne & Edelberg, P.C., PO Box 37, Dahlonega, GA 30533, 706-864-7303. Ruby Nell Hall Attorney-in-Fact for Darrell Cook and Jacqueline Cook Horne & Edelberg, P.C. Attorneys at Law P. O. Box 37 Dahlonega, Georgia 30533 706-864-7303 Exhibit "A" All that tract or parcel of land lying and being in Land Lot 294 and 337 of the12th District and 1st Section of Lumpkin County, Georgia consisting of 26.02 acres, more or less, and being described as follows: Beginning on the east and west original line, said point being where the east and west original line of Land Lot 294 intersects with Etowah River; thence east along and with said original line192.5 feet to a point where said original line intersections with Jay Bridge Road; thence South 5 degrees 15 minutes east 135 feet; thence south 15 degrees 30 minutes east 127 feet; thence South 1 degree West 247 feet; thence South 27 degrees 30 minutes East 97 feet; thence South 55 degrees 30 minutes East 253 feet; thence South 86 degrees West 106 feet; thence South 72 degrees West 94 feet; thence North 76 degrees West 76 feet; thence North 18 degrees West 35 feet; thence North 89 degrees 30 minutes West 79 feet; thence north 25 degrees 30 minutes West 72 feet; thence 56 degrees West 99 feet; thence North 64 degrees West 178 feet; thence North 88 degrees 30 minutes West 153 feet; thence South 63 degrees West 263 feet; thence North 62 degrees West 78 feet; thence South 35 degrees West 160 feet; thence south 28 degrees West 107 feet; thence South 88 degrees West 101 feet; thence South 63 degrees West 64 feet to a point where said line intersects with the Etowah River; thence North 43 degrees West 266 feet; thence North 63 degrees West 88 feet; thence North 34 degrees West 195 feet; thence north 56 degrees 30 minutes West 382 feet; thence south 80 degrees West 268 feet; thence North 3 degrees West 112 feet; thence North 44 degrees East 110 feet; thence North 11 degrees East 107 feet to a point where said line intersects with the original line and which point is the point of beginning. The above stated description is taken from a plat made by James D. Barrett, Lumpkin County Surveyor, dated February 28, 1968. The above described property is conveyed subject to rights of upper and lower riparian owners in and to the waters of the Etowah River and the natural flow thereof, free from diminution and pollution. Conveyed by QUIT CLAIM only is all that tract or parcel of land lying and being in Land Lots 294 and 337 of the 12th District, 1st Section of Lumpkin County, Georgia shown as 28.314 acres, more or less on that certain plat of survey prepared for Linda K. Caruthers & Ruby Nell Hall by W.T. Dunahoo, GRLS, and dated December 14, 1989.

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NOTICE TO DEBTORS AND CREDITORS

All creditors of the Estate of Harold Dean Seitz, deceased, late of Lumpkin County, Georgia, 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 me. This 13th day of September. Harold Stanley Seitz and Joyce Seitz Hutcheson, Co-Executors c/o Roger J. Bauer, Attorney P.O. Box 67 Dahlonega, GA 30533

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NOTICE OF SALE UNDER POWER

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

By virtue of the power of sale contained in that certain Security Deed from JAMES E. BATES, JR. and ROSEMARY BATES to FIRST GEORGIA BANKING COMPANY, dated the 4th day of June, 2008, and recorded in Deed Book 1098 at Page 259, in the Records of the Clerk of Superior Court, Lumpkin County, as re-recorded to place the notary signature in the appropriate block at Deed Book 1103, Page 252, aforesaid records, as modified by that certain Modification Agreement - Security Deed from JAMES E. BATES JR. and ROSEMARY BATES to CERTUSBANK, N.A. dated February 6, 2012, recorded at Deed Book 1207, Page 648, aforesaid records (the "Security Deed"), as assigned to CertusBank, N.A. by virtue of that certain Assignment of Security Instrument/Deed of Trust/Security Deed or Mortgage, from the Federal Deposit Insurance Corporation acting as receiver for First Georgia Banking Company, dated November 29, 2012, recorded at Deed Book 1235, Page 69, aforesaid records, there will be offered for sale at public outcry to the highest bidder for cash before the Courthouse door of said County during the legal hours of sale on the first Tuesday in November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1095 OF THE 12th DISTRICT, 1st SECTION OF LUMPKIN COUNTY AND BEING LOT 1027 OF BIRCH RIVER SUBDIVISION N/K/A ACHASTA, UNIT 10, AND AS MORE PARTICULARLY DESCRIBED ON THAT CERTAIN PLAT OF SURVEY REOCRDED AT CABINET ONE, SLIDE 115, PLAT 82-87, 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). 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, special assessments; all outstanding bills for public utilities which constitute liens upon said property; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); 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: CertusBank, N.A., 100 Tom Reeve Drive, Carrollton, Georgia 30117. 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 James E. Bates, Jr. and Rosemary Bates, or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. CERTUSBANK, N.A. Attorney-in-Fact for James E. Bates, Jr. and Rosemary Bates Alissa Cummo, Esq. MAHAFFEY PICKENS TUCKER, LLP 1550 North Brown Road Suite 125 Lawrenceville, Georgia 30043 (770) 232-0000

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by John M. Hampton and Debra J. Hampton to Bank of America, N.A. dated June 18, 2010 in the amount of $148,430.00, and recorded in Deed Book 1164, Page 379, 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 November, 2013 , 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 land, situate, lying and being in the County of Lumpkin, State of Georgia, to wit: All that tract or parcel of land lying and being in Land Lots 224 and 225 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 1.538 acres, more or less, together with all improvements located thereon, and being more particularly set out as Parcel 1 on a plat of survey dated October 8, 1997, revised April 13, 1998, prepared for Robert Grizzle by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Slide Cabinet 1, Slide 15, Page 86A, Lumpkin County, Georgia Records, and is incorporated herein by reference for a more detailed description, being improved property having a House thereon commonly known as 22 Swiftwaters Road, Dahlonega, Georgia, according to the present system of numbering houses in Lumpkin County, Georgia. Also conveyed herein is a perpetual, non-exclusive easement Twenty foot in width along and with Swift Water Lake leading to Georgia Highway 52 West. For Informational Purposes Only the Property Address is: 22 Swiftwaters Road, Dahlonega, GA 30533 Reference#: 220784160 City: Tax Parcel ID: 031 018 Block: Lot: which has the property address of 22 Swiftwaters 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): John M. Hampton and Debra J. Hampton or tenant or tenants 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. 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, LLC 2501 S State Hwy 121, Bldg. 1 Lewisville, TX 75067 Phone Number: (888) 850-9398, ext. 3705. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. Nationstar Mortgage LLC Attorney in Fact for John M. Hampton and Debra J. Hampton McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 13-03767 /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.

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STATE OF GEORGIA

COUNTY of LUMPKIN

NOTICE OF SALE UNDER POWER

By virtue of the power of sale contained in that certain Deed to Secure Debt from KEVIN S. DANIEL and VIRGINIA S. DANIEL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated March 14, 2008, filed for record March 24, 2008, and recorded in Deed Book 1087, Page 122, LUMPKIN County, Georgia Records, as last transferred to CITIMORTGAGE, INC. by assignment recorded in Deed Book 1245, Page 753, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated March 14, 2008 in the original principal sum of FOUR HUNDRED TWELVE THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($412,500.00), with interest from date at the rate stated in said Note 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 November, 2013, the property described on Exhibit "A" attached hereto and incorporated herein by reference. To the best of the knowledge and belief of the undersigned, the party in possession of the property is KEVIN S. DANIEL and VIRGINIA S. DANIEL or a tenant or tenants. Said property is more commonly known as: 246 NUCKOLLS LANE, DAWSONVILLE, GA 30534. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt 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. The individual or entity that has full authority to negotiate, amend, and modify all terms of the loan is CITIMORTGAGE, INC., 5280 CORPORATE DR, FREDERICK, MD 21703-8351; (866) 272-4749. 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. Said property will be sold as the property of KEVIN S. DANIEL and VIRGINIA S. DANIEL. CITIMORTGAGE, INC. As Attorney-in-Fact for KEVIN S. DANIEL VIRGINIA S. DANIEL Phelan Hallinan & Jones, LLC 303 Perimeter Center North, Suite 800 Atlanta, GA 30346 Telephone: 770-393-4300 Fax: 770-393-4310 PH # 15685 This law firm is acting as a debt collector. Any information obtained will be used for that purpose. EXHIBIT A ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 85 OF THE 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, LOT 34, PARKS RIDGE SUBDIVISION, AS PER PLAT RECORDED IN PLAT CABINET 1, SLIDE 82, PAGES 32A-38, LUMPKIN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE THERETO. OUR FILE NUMBER: 0000492NGA08

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NOTICE OF FORECLOSURE SALE UNDER POWER

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

Under and by virtue of the Power of Sale contained in a Security Deed given by Khrista Lee Keys to Union Planters Bank, N.A., dated February 24, 2003, and recorded in Deed Book W30, Page 346, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Seventy Thousand Fifty and 0/100 dollars ($70,050.00), 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 November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 436 of the 5th District, 1st Section of Lumpkin County, Georgia, being 1.00 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated December 28, 1998, prepared for Vernon Grizzle by J.A. Page, Jr., Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide, 24, Plat 80B, Lumpkin County Records, and is incorporated herein by reference for a more detailed description. Together with that certain housing unit which was formerly personal but is now permanently annexed and affixed to the above described land as a permanent improvement, and all rights there unto appertaining. This property is conveyed subject to all easements for roads and utilities in use or of record. 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). Your mortgage servicer can be contacted at (800) 748-9498 - Loss Mitigation Dept, or by writing to 605 S. Perry, P.O. Box 5640, Montgomery, Alabama 36102-5640, to discuss possible alternatives to avoid 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 Khrista Lee Keys or tenant(s); and said property is more commonly known as 1075 Jess Grizzle Road, Dahlonega, GA 30533. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. Regions Bank successor by merger to Union Planters Bank, N.A. successor by merger with Union Planters Mortgage, Inc. as Attorney in Fact for Khrista Lee Keys. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 13-17735

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IN THE PROBATE COURT COUNTY OF LUMPKIN STATE OF GEORGIA

Re: ESTATE OF MARIE E. KREBS, DECEASED ESTATE NO. 2013-PS-106 PETITION BY PERSONAL REPRESENTATIVE FOR WAIVER OF BOND AND/OR GRANT OF CERTAIN POWERS

NOTICE

Michael K. Krebs has petitioned for waiver of bond and/or for the grant of certain powers contained in O.C.G.A.§53-12-261 in regard to the above estate. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before November 4, 2013. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections unless you qualify to file as indigent party. If any objections are filed, the petition may be denied or a hearing will be scheduled for a later date. If no objections are filed, the petition may be granted without a hearing. Given under my hand and official seal, the 4th day of October, 2013. Michael Chastain Judge of the Probate Court Issued by: Shelley Wilson Clerk of the Probate Court

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

Probate Court, County of Lumpkin, State of Georgia

Re:Estate of Janice Turner Carpenter, Deceased Estate No-2013-LA-97

Allison Carpenter has petitioned to be appointed Administrator of the estate of Janice Turner Carpenter, deceased, of said County. The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or before October 21, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Michael A. Chastain Probate Judge by:Shelley Wilson Probate Clerk 325 Riley Road,Room-122 Dahlonega, Georgia 30533 706-864-3847

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

Probate Court, County of Lumpkin, State of Georgia

Re:Estate of Lester G. Spencer, Deceased Estate No-2013-LA-107

Sandra Michelle Stokes has petitioned to be appointed Administrator of the estate of Lester G. Spencer deceased, of said County. The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or before November 12, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Michael A. Chastain Probate Judge by:Shelley Wilson Probate Clerk 325 Riley Road,Room-122 Dahlonega, Georgia 30533 706-864-3847

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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 Lisa D. Odom and Phillip L. Odom to Regions Bank DBA Regions Mortgage dated September 28, 2006, and recorded in Deed Book 1008, Page 440, Lumpkin County Records, securing a Note in the original principal amount of $113,795.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 5, 2013, 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 377 of the 5th District, 1st Section of Lumpkin County, Georgia, consisting of 2.000 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated May 16, 2003 prepared for Barbara Greene by John T. Gaston, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 92, Plat 36B, Lumpkin County Records and is incorporated herein by reference for a more detailed description. Also conveyed herewith is a perpetual, non-exclusive easement for water service from the well located on adjacent property as stated on the above referenced plat of survey. Said easement shall run along and with the existing water lines, wherever they may lie, to the well and shall be 5 feet on either side of the water lines and around the well. This property is conveyed subject to perpetual, non-exclusive easements twenty feet in width along and with the two existing gravel drives which cross the subject property and provide access to the adjacent property as shown on the above referenced plat of survey. This property is conveyed subject to all easements for public roads and utilities in use or of record. Said property is known as 648 Nimblewill Church Road, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor. The property is or may be in the possession of Lisa D. Odom and Phillip L. Odom, successor in interest or tenant(s). Regions Bank DBA Regions Mortgage as Attorney-in-Fact for Lisa D. Odom and Phillip L. Odom File no. 12-027581 SHAPIRO, SWERTFEGER & HASTY, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100?Atlanta, GA 30341-3941 (770) 220-2535/CH www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS]

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Lois G. Frechette, 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 the Estate are required to make immediate payment to us. This 27th day of September, 2013. Frederick Frechette and Mary Frechette, Co-Executors of the Estate of Lois G. Frechette. Joy L. Edelberg, Horne & Edelberg, P.C. Post Office Box 37 Dahlonega, Georgia 30533

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Lori Shayna Sherrill A/K/A Lori S. Sherrill and Douglas Ray Sherrill A/K/A Douglas R. Sherrill to JPMorgan Chase Bank, N.A. dated March 3, 2005 in the amount of $157,000.00, and recorded in Deed Book I 35, Page 658, 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 November, 2013 , 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 642 in the 12th District, 1st Section, of Lumpkin County, Georgia, consisting of 1.300 acres more or less, being Lot 5 of Martins Grove Subdivision, Phase Two, and being more fully described and delineated according to a plat of survey prepared August 29, 1996 by Michael S. Kelley, Georgia Registered Surveyor, which is recorded in Plat Book 30, Page 32, Lumpkin County, Georgia Records, which is incorporated by reference herein. which has the property address of 447 Alex 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Lori Shayna Sherrill A/K/A Lori S. Sherrill and Douglas Ray Sherrill A/K/A Douglas R. Sherrill or tenant or tenants 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. 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: JPMorgan Chase Bank, National Association 800 Brooksedge Blvd., Floor 2 Westerville, OH 43081 Phone Number: 866-550-5705. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. JPMorgan Chase Bank, National Association Attorney in Fact for Lori Shayna Sherrill A/K/A Lori S. Sherrill and Douglas Ray Sherrill A/K/A Douglas R. Sherrill McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 11-07079 /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.

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NOTICE OF PETITION FOR ADOPTION

Notice is hereby given that Micah Scott Walker has filed a Petition for Adoption of a minor child, B.F.G., Lumpkin County Superior Court Case No.: 2012-AD-10-SG, filed on September 27th, 2012, praying for the adoption of the minor child. Notice is hereby given to the Putative Father, Casey Everett Gregg, commanding him to file with the Clerk of Superior Court of Lumpkin County any objection to said adoption within 60 days from September 5th, 2013.

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NOTICE TO DEBTORS AND CREDITORS

To: All Creditors of Nancy Callie Ridley, late of Lumpkin County, Georgia On behalf of Nancy Callie Ridley, now deceased, you are hereby notified, pursuant to O.C.G.A. 53-7-92, to render in your demands and claims to and all persons who claim indebtedness by Nancy Callie Ridley: Nancy Callie Ridley c/o Kevin Tharpe - Executor of the Estate 405 Broad St. SE Gainesville, GA 30501

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from RICHARD A. BROWN AND MELINDA B. BROWN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR W.J. BRADLEY MORTGAGE CAPITAL CORP., AN OREGON CORPORATION, dated June 23, 2009, recorded June 29, 2009, in Deed Book 1135, Page 634, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Thousand Three Hundred Five and 00/100 dollars ($200,305.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Nationstar Mortgage LLC, 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 November, 2013, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 463 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 57, BROOKWOOD SUBDIVISION, AS PER PLAT RECORDED IN PLAT CABINET ONE, SLIDE 139, PAGE 161, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. Said legal description being controlling, however the property is more commonly known as 121 BROOKWOODS LANE, 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. 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 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 RICHARD A. BROWN AND MELINDA B. BROWN, 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: Nationstar Mortgage, LLC, Loss Mitigation Dept., 350 Highland Drive, Lewisville, TX 75076, Telephone Number: 888-850-9398 ext 3705. NATIONSTAR MORTGAGE LLC as Attorney in Fact for RICHARD A. BROWN AND MELINDA B. BROWN 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, LLC, 3740 Davinci Court, Suite 150, Peachtree Corners, GA 30092 Telephone Number: (877) 813-0992 Case No. NAT-13-06080-0002 Ad Run Dates 10/09/2013, 10/16/2013, 10/23/2013, 10/30/2013 www.rubinlublin.com/property-listings.php

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Richard A. Durham and Cyndi N. 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 November, 2013, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Richard A. Durham and Cyndi N. Durham or tenant or tenants 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. 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: JPMorgan Chase Bank, National Association 800 Brooksedge Blvd., Floor 2 Westerville, OH 43081 Phone Number: 866-550-5705. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. JPMorgan Chase Bank, National Association Attorney in Fact for Richard A. Durham and Cyndi N. Durham McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 09-22154 /FNMA/kandrade THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. By virtue of the power of sale contained in that certain Security Deed from THOMAS A. STARK and DIANA H. STARK to FIRST GEORGIA BANKING COMPANY, dated the 30th day of May, 2008, and recorded in Deed Book 1098 at Page 269, in the Records of the Clerk of Superior Court, Lumpkin County, as re-recorded to place the notary signature in the appropriate block at Deed Book 1103, Page 244, aforesaid records (the "Security Deed"), as assigned to CertusBank, N.A. by virtue of that certain Receiver's Assignment of Loan Documents from the Federal Deposit Insurance Corporation acting as receiver for First Georgia Banking Company, dated May 20, 2011, recorded at Deed Book 1214, Page 328, aforesaid records, there will be offered for sale at public outcry to the highest bidder for cash before the Courthouse door of said County during the legal hours of sale on the first Tuesday in November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1093 OF THE 12th DISTRICT, 1st SECTION OF LUMPKIN COUNTY AND BEING LOT 1006 OF BIRCH RIVER SUBDIVISION N/K/A ACHASTA, UNIT 10, AND AS MORE PARTICULARLY DESCRIBED ON THAT CERTAIN PLAT OF SURVEY REOCRDED AT CABINET ONE, SLIDE 115, PLAT 82-87, 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). 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, special assessments; all outstanding bills for public utilities which constitute liens upon said property; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); 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: CertusBank, N.A., 100 Tom Reeve Drive, Carrollton, Georgia 30117. 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 Thomas A. Stark and Diana H. Stark, or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. CERTUSBANK, N.A. Attorney-in-Fact for Thomas A. Stark and Diana H. Stark Alissa Cummo, Esq. MAHAFFEY PICKENS TUCKER, LLP 1550 North Brown Road Suite 125 Lawrenceville, Georgia 30043 (770) 232-0000

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NOTICE OF SALE UNDER POWER

STATE OF GEORGIA COUNTY OF LUMPKIN

Under and by virtue of the power of sale contained with that certain Security Deed dated June 7, 2004, from Tina Walden to Mortgage Electronic Registration Systems, Inc. as nominee for Primary Captial Advisors LC, recorded on June 7, 2004 in Deed Book W33 at Page 105, Lumpkin County, Georgia Records, having been last sold, assigned, transferred and conveyed to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE SARM 2004-12 TRUST by Assignment and said Security Deed having been given to secure a note dated June 7, 2004, in the amount of $258,400.00, 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 November 5, 2013, the following described real property (hereinafter referred to as the "Property"): ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 979 AND 980 OF THE 12 DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING ALL OF LOT 145, SKY COUNTRY PHASE 5, ACCORDING TO A PLAT OF SAME RECORDED AT PLAT CABINET 1, SLIDE 88, PLAT 148, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION OF SUBJECT PROPERTY. 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 Security Deed, 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 Tina Walden. The property, being commonly known as 89 Misty Way, Dahlonega, GA 30533 in Lumpkin County, will be sold as the property of Tina Walden, 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.Section 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. Section 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 HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE SARM 2004-12 TRUST as Attorney in Fact for Tina Walden 100 Galleria Parkway, Suite 960 Atlanta, GA 30339 Phone: (866) 690-0418 By: James E. Albertelli, Esq. For the Firm THIS FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. JEA - 13-118508 A-4417327 10/09/2013, 10/16/2013, 10/23/2013, 10/30/2013

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NOTICE OF FORECLOSURE SALE UNDER POWER

LUMPKIN COUNTY, GEORGIA

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by William Gregory Wood and Kerry Jeannette Wood to SunTrust Mortgage, Inc., dated December 15, 2006, and recorded in Deed Book 1018, Page 692, Lumpkin County, Georgia Records, as last transferred to SunTrust Bank by assignment to be recorded, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of One Hundred Sixteen Thousand and 0/100 dollars ($116,000.00), 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 November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 109 of the 13th District, 1st Section of Lumpkin County, Georgia, and being Lot 34 of Winfield Station Subdivision, as shown on a plat of survey for said subdivision by John T. Gatson, GRLS No. 2821, dated October 13, 2000 and recorded in Plat Cabinet 1, Slide 61, Page 16B, Lumpkin County, Georgia Records, 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, 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). Your mortgage servicer can be contacted at (800) 443-1032 - Loss Mitigation Dept, or by writing to PO Box 27767, Richmond, Virginia 23261, to discuss possible alternatives to avoid 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 William Gregory Wood and Kerry Jeannette Wood or tenant(s); and said property is more commonly known as Lot 34 Winfield Station, Dawsonville, GA 30534. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. SunTrust Bank as Attorney in Fact for William Gregory Wood and Kerry Jeannette Wood. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 13-18079
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Legals (10-16-13)
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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Danny Rollins and Selina Rollins to Mortgage Electronic Registration Systems, Inc. as nominee for Decision One Mortgage Company, LLC dated 7/14/2005 and recorded in Deed Book E-36 Page 382, Lumpkin County, Georgia records; as last transferred to or acquired by U.S. Bank National Association, as Trustee for Credit Suisse First Boston Mortgage Securities Corp., Home Equity Asset Trust 2005-7, Home Equity Pass-Through Certificates, Series 2005-7, conveying the after-described property to secure a Note in the original principal amount of $ 121,600.00, 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 November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 114, 13TH DISTRICT 1ST SECTION, LUMPKIN COUNTY, GEORGIA, CONTAINING 1.017 ACRES, MORE OR LESS, AND BEING KNOWN AS TRACT #1-A, ACCORDING TO THAT PLAT OF SURVEY, DATED MAY 31, 1996, PREPARED BY MICHAEL S. KELLEY, GEORGIA REGISTERED LAND SURVEYOR, AND RECORDED IN PLAT BOOK 30, PAGE 177, LUMPKIN COUNTY, GEORGIA RECORDS, 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, 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 939 Blackburn Road, Dawsonville, GA 30534 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): Danny Rollins and Selina Rollins or tenant or tenants. Wells Fargo Bank, NA is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. Wells Fargo Bank, NA Loss Mitigation 3476 Stateview Boulevard Fort Mill, SC 29715 1-800-662-5014 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. U.S. Bank National Association, as Trustee for Credit Suisse First Boston Mortgage Securities Corp., Home Equity Asset Trust 2005-7, Home Equity Pass-Through Certificates, Series 2005-7 as agent and Attorney in Fact for Danny Rollins and Selina Rollins Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1000-667498879A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667498879A

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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Phyllis Johnson and Thomas Johnson to Mortgage Electronic Registration Systems, Inc., as nominee for American Mortgage Network, Inc. dated 4/15/2008 and recorded in Deed Book 1091 Page 365, Lumpkin County, Georgia records; as last transferred to or acquired by Wells Fargo Bank, NA, conveying the after-described property to secure a Note in the original principal amount of $ 168,490.00, 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 November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: All that tract or parcel of land lying and being in Land Lot 99, 1st District, Lumpkin County, Georgia, containing 1.02 acres, and being shown as Tract "A" on a plat of survey for Jerry Dean Ayers, dated October 8, 1997 by Frederick F. Kaufman, Georgia Registered Land Surveyor #1774, and being more particularly described as follows: ??To find the True Point of Beginning, begin at a point located at the common corner of Land Lots 109, 100, 99 and 110, thence South 01 degrees 08 minutes 31 seconds West a distance of 833.22 feet to a 1/2" rebar; thence South 01 degrees 08 minutes 31 seconds West a distance of 200.62 feet to a 1/2" rebar located on the northerly side of the right of way of Norman Bell Road (80 foot right of way); thence South 68 degrees 06 minutes 28 seconds East a distance of 43.33 feet to a point; which point is the True Point of Beginning; from the True Point of Beginning thus established, proceed North 19 degrees 12 minutes 01 seconds West a distance of 59.03 feet to a point; thence North 01 degrees 08 minutes 31 seconds East a distance of 157.71 feet to a point; thence South 80 degrees 33 minutes 49 seconds East a distance of 229.79 feet to a 1/2" rebar; thence South 11 degrees 41 minutes 57 seconds West a distance of 218.77 feet to a point located on the northerly side of the 80 foot right of way of Norman Bell Road; thence North 80 degrees 21 minutes 45 seconds West a distance of 88.33 to a point; thence North 73 degrees 18 minutes 06 seconds West a distance of 82.44 feet to a point; which is the True Point of Beginning. Also, conveyed herewith is an easement for ingress and egress to subject property from Norman Bell Road across Tract "B" which easement is more particularly shown on said plat of survey, a copy of which is attached as Exhibit "B" on Warranty Deed recorded in Deed Book K 36, Page 50 and made a part hereof by reference. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, 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 311 Norman Bell Road, Murryville, 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): Phyllis Johnson and Thomas Johnson or tenant or tenants. Wells Fargo Bank, NA is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. Wells Fargo Bank, NA Loss Mitigation 3476 Stateview Boulevard Fort Mill, SC 29715 1-800-662-5014 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. Wells Fargo Bank, NA as agent and Attorney in Fact for Phyllis Johnson and Thomas Johnson Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1000-667500197A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-667500197A

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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY Pursuant to the Power of Sale contained in a Security Deed given by Curtis L. Smith and Annie L. Smith to Mortgage Electronic Registration Systems, Inc. as nominee for Security Atlantic Mortgage Co. Inc. dated 2/9/2009 and recorded in Deed Book 1124 Page 521, LUMPKIN County, Georgia records; as last transferred to or acquired by BANK OF AMERICA, N.A., conveying the after-described property to secure a Note in the original principal amount of $ 183,150.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of LUMPKIN County, Georgia, within the legal hours of sale on November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: All that tract or parcel of land lying and being in Land Lot 1060 of the 12th Land District and 1st Section of Lumpkin County, Georgia consisting of 2.09 acres, more or less, according to plat of survey prepared April 29, 1995 by Michael L. Soupin, R.L.S. and recorded in Plat Book 28, page 69, Lumpkin County, Georgia records; Said plat and the record thereof being incorporated herein by reference for a more complete description. **FOR INFORMATIONAL PURPOSES ONLY** The improvements thereon being known as No. 3018 Morrison Moore Pkwy E, Dahlonega, GA 30533. Being the same property, which by Deed dated June 12, 2007 and recorded June 26, 2007 among the Land Records of Lumpkin County, Georgia in Book 1049, Page 250, was granted and conveyed by Whitney Shanti Lynn Smith, by Curtis L. Smith and Annie L. Smith, conservator for the estate of Whitney Shanti Lynn Smith unto Whitney Shanti Lynn Smith, Curtis L. Smith and Annie L. Smith. PARCEL ID NO: 077-081 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 3018 Morrison Moore Parkway East, Dahlonega, GA 30533 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): Curtis L. Smith and Annie L. Smith or tenant or tenants. Bank of America is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. Bank of America Home Loan Assistance Dept. 7105 Corporate Drive Plano, TX 75024 (800) 846-2222 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. BANK OF AMERICA, N.A. as agent and Attorney in Fact for Curtis L. Smith and Annie L. Smith Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1016-667497856A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-667497856A

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NOTICE OF SALE UNDER POWER

LUMPKIN COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Sheri S. Fields and Ricky A. Fields to Mortgage Lenders Network USA, Inc. dated 5/2/2002 and recorded in Deed Book I-29 Page 40, LUMPKIN County, Georgia records; as last transferred to or acquired by LNV Corporation, conveying the after-described property to secure a Note in the original principal amount of $ 225,250.00, 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 November 05, 2013 (being the first Tuesday of said month unless said date falls on a Federal Holiday), the following described property: TRACT 1: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 514, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY MICHAEL STEWART KELLEY, GEORGIA REGISTERED LAND SURVEYOR, DATED JANUARY 29, 1998: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 3.338 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT CABINET ONE, SLIDE 12, PAGE 36B, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE.TRACT 2: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 514, 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY SOLAR LAND SURVEYING COMPANY, GEORGIA REGISTERED LAND SURVEYORS, DATED JUNE 17, 1995 AND AS PER SAID PLAT, THE PROPERTY CONTAINS 2.00 ACRES, MORE OR LESS, THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 28, PAGE 111, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE. 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. 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 289 Pathfinder Lane, Dahlonega, GA 30533 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): Sheri S. Fields and Richard A. Fields or tenant or tenants. LNV Corporation is the entity or individual designated who shall have full authority to negotiate, amend and modify all terms of the mortgage. LNV Corporation Loss Mitigation Department 1 Corporate Center Drive, Suite 360 Lake Zurich, IL 60047 1-888-395-3997 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. LNV Corporation as agent and Attorney in Fact for Sheri S. Fields and Ricky A. Fields Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400. 1072-3064A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1072-3064A

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NOTICE OF FORECLOSURE SALE UNDER POWER

LUMPKIN COUNTY, GEORGIA

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

Under and by virtue of the Power of Sale contained in a Security Deed given by Christopher K. Carroll to Mortgage Electronic Registration Systems, Inc. as nominee for SunTrust Mortgage, Inc., dated December 29, 2009, and recorded in Deed Book 1151, Page 273, Lumpkin County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment recorded on November 21, 2012 in Book 1299 Page 683 in the Office of the Clerk of Superior Court of Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of One Hundred Thirty-Seven Thousand Four Hundred Sixty-Four and 0/100 dollars ($137,464.00), 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 November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 122 of the 1st District, originally Habersham, now Lumpkin, County, Georgia, and being labeled as Lot 16, containing 2.35 acres, more or less, per a plat of survey prepared for Winters Mountain by Bakkum-Deloch and Associates, Georgia Registered Surveyors, dated March 27, 1987, recorded in Plat Book 18, Page 51, Lumpkin County, Georgia Records. Said plat being incorporated herein by reference and made a part of this description. And also: All that tract or parcel of land lying and being in Land Lot 122 of the 1st District, originally Habersham, now Lumpkin County, Georgia, consisting of 1.664 acres, more or less, and being designated as Lot 17A, Containing 1.118 acres, more or less, and Lot 17C, containing 0.546 acres, more or less, Winters Mountain Subdivision, as per plat recorded in Plat Book 27, Page 24, Lumpkin County, Georgia Records. Said plat being incorporated herein by reference and made a part of this description. This property is subject to Restrictive Covenants recorded in Deed Book R6, Page 163, Lumpkin County Records, and is subject to the Road Maintenance Agreement recorded in Deed Book R6, Page 159, aforesaid 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). Your mortgage servicer can be contacted at (800) 443-1032 - Loss Mitigation Dept., or by writing to PO Box 27767, Richmond, Virginia 23261, to discuss possible alternatives to avoid foreclosure. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Christopher Kalil Carroll or tenant(s); and said property is more commonly known as 117 Hillstream Drive, Dahlonega, GA 30533. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. SunTrust Mortgage, Inc. as Attorney in Fact for Christopher K. Carroll. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 13-05378

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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 Jeremy Furlong to JPMorgan Chase Bank, N.A., dated August 17, 2007, recorded in Deed Book 1065, Page 172, Lumpkin County, Georgia Records, as last transferred to Federal National Mortgage Association by assignment recorded in Deed Book 1243, Page 756, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-FOUR THOUSAND FOUR HUNDRED AND 0/100 DOLLARS ($194,400.00), 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 November, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 44, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Douglas R. Sherrill, Georgia Registered Land Surveyor, dated December 6, 2006; and as per said plat, the property is more particularly described as Lot 8, The subject plat being of record I plat cabinet one, Slide 140, Page 200, Lumpkin County, Georgia Records. Said plat is hereby incorporated by reference. Also conveyed herein is an easement for ingress and egress over Wild Deer Trace and Deer Lane as shown on the above reference plat of survey. Subject property is conveyed subject to the following restrictive covenants: 1) Stick built single family residences only with a minimum of 1600 square feet to heated space. No mobile homes of any types shall be allowed. 2) Exterior of all residences and any out building to be covered with wood siding. Any other exterior siding must be approved in writing by developer prior to placement of siding on the structure 3) No poultry houses or commercial breeding facilities shall be allowed on any portion of subject property 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 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). Seterus, Inc. holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: Federal National Mortgage Association. Seterus, Inc. can be contacted at 888-917-3094 or by writing to 14523 S.W. Millikan Way Suite 200, Beaverton, OR 97005, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. 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 Jeremy Furlong or a tenant or tenants and said property is more commonly known as 216 Wild Deer Trace, Dawsonville, Georgia 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. Federal National Mortgage Association as Attorney in Fact for Jeremy Furlong Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/wd1 11/5/13 Our file no. 1368413-FT1

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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 David A Steffes aka David Steffes to Bank of America, N.A., dated July 20, 2007, recorded in Deed Book 1057, Page 570, Lumpkin County, Georgia Records, as last transferred to M&T Bank by assignment recorded in Deed Book 1208, Page 415, Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED FIFTY-THREE THOUSAND SIX HUNDRED AND 0/100 DOLLARS ($153,600.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in November, 2013, 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. M&T Bank is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: M&T Bank, P.O. Box 1288, Buffalo, NY 14240, 800-724-1633. To the best knowledge and belief of the undersigned, the party in possession of the property is David Steffes or a tenant or tenants and said property is more commonly known as 60 Trahlyta 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. M&T Bank as Attorney in Fact for David A Steffes aka David Steffes McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/crp1 11/5/13 Our file no. 5532512-FT8 EXHIBIT "A" All that tract or parcel of land lying and being in Land Lot 856, 12th District, 1st Section, Lumpkin County, Georgia and being fully described by a plat prepared by Michael Stewart Kelley, Georgia Registered Land Surveyor, dated August 2, 1995: and as per said plat, the property contains 0.704 acres, more or less, the subject plat being of record in Plat Book 28, Page 142, Lumpkin County records. Said plat is hereby incorporated by reference. Also conveyed herewith is an easement for access, ingress, and egress, and the installation of utilities over and upon the driveways depicted on the subject property connecting the subject property with a publicly maintained 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 records or easements located on the property above described. Tax ID #: D01 011 By fee simple deed from Garrett S. Wade and Amy S. Wade to David Steffes as set forth in Deed Book W31, Page 383, dated 7/18/2003 and recorded on 7/22/2003, 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. MR/crp1 11/5/13 Our file no. 5532512 - FT8

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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 Jeremy D Crane and Jessi J Crane to Mortgage Electronic Registration Systems, Inc. as nominee for Branch Banking and Trust Company, its successors and asssigns, dated March 24, 2009, recorded in Deed Book 1126, Page 216, Lumpkin County, Georgia Records, as last transferred to Branch Banking and Trust Company by assignment to be recorded in the Office of the Clerk of Superior Court of Lumpkin County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED EIGHTY THOUSAND AND 0/100 DOLLARS ($180,000.00), 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, or at such place as may be lawfully designated as an alternative, within the legal hours of sale on the first Tuesday in November, 2013, 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. Branch Banking and Trust Company is the holder of the Note and Security Deed to the property in accordance with OCGA § 44-14-162.2. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722. To the best knowledge and belief of the undersigned, the party in possession of the property is Jeremy D Crane and Jessi J Crane or a tenant or tenants and said property is more commonly known as 6503 Dawsonville Hwy, 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. Branch Banking and Trust Company as Attorney in Fact for Jeremy D Crane and Jessi J Crane McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/crp1 11/5/13 Our file no. 5658013-FT8 EXHIBIT "A" BUYER JEREMY D CRANE and JESSI J CRANE FILE NO 0910420D ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 42 OF THE 12TH DISTRICT, 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, CONTAINING 2 00 ACRES AS PER PLAT OF SURVEY PREPARED BY JEREMY D KELLEY SURVEYING, GRL #2313, SAID PLAT DATED 12/20/2006, AND RECORDED IN CABINET ONE, SLIDE 143, PAGE 51A, LUMPKING COUNTY, GEORGIA RECORDS WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE MR/crp1 11/5/13 Our file no. 5658013 - FT8

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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 Alexander G. Povilaitis Jr. and Kimberly P. Povilaitis to Pine State Mortgage Corproation dated June 5, 1998, and recorded in Deed Book G20, Page 18, 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 $76,150.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 5, 2013, 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 91 OF THE 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 218, BELL CREEK SUBDIVISION, UNIT ONE, AS PER PLAT RECORDED IN PLAT BOOK 8, PAGE 177, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LUMPKIN COUNTY, GEORGIA, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIPTION. Said property is known as 218 Signal Ridge, Dawsonville, GA 30534, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor. The property is or may be in the possession of Kimberly P. Povilaitis, Alexander G. Povilaitis, Jr., and The Estate of Alexander G. Povilaitis, Jr., successor in interest or tenant(s). Wells Fargo Bank, N.A. as Attorney-in-Fact for Alexander G. Povilaitis Jr. and Kimberly P. Povilaitis File no. 13-043286 SHAPIRO, SWERTFEGER & HASTY, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100 Atlanta, GA 30341-3941 (770) 220-2535/KLM HYPERLINK "http://www.swertfeger.net" www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS]

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY Because of default in the payment of the indebtedness, secured by a Security Deed executed by Anna Balboni and Gerardo M. Balboni, III to Mortgage Electronic Registration Systems, Inc. as nominee for American Mortgage Express Corp. its successors and assigns dated August 18, 2006 in the amount of $99,000.00, and recorded in Deed Book 1003, Page 147, Lumpkin County, Georgia Records; as last transferred to Bank of America, N.A. by assignment; the undersigned, Bank of America, N.A. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in November, 2013 , 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 632 in the 5th District, 1st Section of Lumpkin County, Georgia, consisting of 10 (ten) acres, more or less and being more fully described and delineated according to a plat of survey prepared April 24, 1979, by Beallo-Mundy and Associates, Georgia Registered Surveyer, which is recorded in Plat Book 7, Pafe 271, Lumpkin County, Georgia Records, which is incorporated by reference herein, Less and Except that certain 5.80 acre tract that was conveyed to Elizabeth Mincey under a Warranty Deed dated April 30, 1984, which is recorded in Deed Book R-4, Page 565, Lumpkin County Records, and Less and Except that certain 1.53 acre tract that conveyed was conveyed to John W. Clark and Helen E. Clark under a Warranty Deed, dated April 4, 1991, which is recorded in Deed Book W-9, Page 162-163,Lumpkin County Records. which has the property address of 32 Harvest 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Anna Balboni and Gerardo M. Balboni, III or tenant or tenants 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. Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage is as follows: Bank of America, N.A. Home Loan Assistance Dept. Plano, TX 75024 Phone Number: (800) 669-6650. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. Bank of America, N.A. Attorney in Fact for Anna Balboni and Gerardo M. Balboni, III McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 13-02737 /FNMA/lseymore THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Bobby Gene Hunter, 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 the Estate are required to make immediate payment to us. This 23rd day of September, 2013 Regina Harrison Hunter Executor 430 Lost Place Dahlonega GA 30533

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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 JOERN SEIGIES which affidavit states that he, Joern Seigies and Ann Carolyn Seigies, 19 Pierces Pond Road, Murrayville GA 30564, are owners and conducting a business of Agriculture, operating under the trade name of BRAMBERI FARM AND GARDENS Witness my official signature and seal of the Superior Court this 25th day of September, 2013 Rita Harkins Clerk of Superior Court

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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 CHARLES ELIAS JR AND ANNE MARIE ELIAS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR CORNERSTONE LENDERS, LLC , dated 08/13/2008, and Recorded on 09/03/2008 as Book No. 1106 and Page No. 412-420, LUMPKIN County, Georgia records, as last assigned to U.S. BANK NATIONAL ASSOCIATION (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $166,815.00, 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 November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1197 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 97, CONTAINING 1.12 ACRES, MORE OR LESS, AND BEING MORE FULLY DESCRIBED AND DELINEATED ACCORDING TO A PLAT OF SURVEY OF UNIT 7 OF THE CHESTERRA SUBDIVISION, PREPARED BY MICHAEL L. SCUPIN, GEORGIA REGISTERED SURVEYOR, WHICH IS RECORDED IN PLAT BOOK 13, PAGE 128, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY THIS REFERENCE AND MADE A PART OF THIS DESCRIPTION. 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). U.S. BANK NATIONAL ASSOCIATION holds the duly endorsed Note and is the current assignee of the Security Deed to the property. U.S. BANK NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with U.S. BANK NATIONAL ASSOCIATION (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, U.S. BANK NATIONAL ASSOCIATION may be contacted at: U.S. BANK NATIONAL ASSOCIATION, 4801 FREDERICA ST, OWENSBORO, KY 42301, 855-698-7627. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 434 PINE TRAIL, DAHLONEGA, GEORGIA 30533 is/are: CHARLES ELIAS JR AND ANNE MARIE ELIAS 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. U.S. BANK NATIONAL ASSOCIATION as Attorney in Fact for CHARLES ELIAS JR AND ANNE MARIE ELIAS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120090100648 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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NOTICE TO DEBTORS AND CREDITORS

To: All Creditors of Cleta Mae Fortner, late of Lumpkin County, Georgia On behalf of Cleta Mae Fortner, now deceased, you are hereby notified, pursuant to O.C.G.A. 53-7-92, to render in your demands and claims to and all persons who claim indebtedness by Cleta Mae Fortner: Cleta Mae Fortner c/o Kevin Tharpe - Executor of the Estate 405 Broad St. SE Gainesville, GA 30501

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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 DANAE BETZER AND KENNETH BETZER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR METRO BROKERS FINANCIAL INC. , dated 06/25/2003, and Recorded on 08/04/2003 as Book No. 231 and Page No. 46-55, LUMPKIN County, Georgia records, as last assigned to JPMORGAN CHASE BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $132,800.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the LUMPKIN County Courthouse within the legal hours of sale on the first Tuesday in November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 113, 1ST DISTRICT OF ORIGINALLY HALL, NOW LUMPKIN COUNTY, GEORGIA, CONTAINING 1.46 ACRES, MORE OR LESS, AS PER PLAT OF SURVEY PREPARED BY BURNS L. JEFFRIES, RLS, DATED JUNE 17, 2003, AND RECORDED IN PLAT BOOK 1-89, PAGE 174, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE FOR A MORE COMPLETE AND ACCURATE DESCRIPTION.BEING THE SAME PROPERTY CONVEYED BY GRANT P. CARMICHAEL AND MARY M. CARMICHAEL TO PAMELA B. CARMICHAEL AND THOMAS CARMICHAEL ON JANUARY 18, 1994 AND RECORDED IN DEED BOOK B13, PAGE 215, LUMPKIN COUNTY, GEORGIA RECORDS CONSISTING OF 1.5596 ACRES. 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). JPMORGAN CHASE BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with JPMORGAN CHASE BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. § 44-14-162.2, JPMORGAN CHASE BANK, NATIONAL ASSOCIATION may be contacted at: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, 3415 VISION DRIVE, COLUMBUS, OH 43219, 866-550-5705. Please note that, pursuant to O.C.G.A. § 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 116 HOLLY LANE, DAHLONEGA, GEORGIA 30533 is/are: DANAE BETZER AND KENNETH BETZER 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. JPMORGAN CHASE BANK, N.A. as Attorney in Fact for DANAE BETZER AND KENNETH BETZER. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120187400101 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Cameron James Fullerton 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 17th day of September, 2013. Daniel James Fullerton, Administrator 4540 Pisgah Road Cumming, GA 30028

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of George A. Maxin, 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 20th day of September, 2013. Jean M. Maxin, Executor 25 Woods-n-Water Drive Mount Dora, FL 32757

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Timothy Moore Singleton, 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 19th day of September, 2013. Martha A. Singleton, Executor 2103 Cavender Creek Road Dahlonega, GA 30533

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NOTICE OF INTENT TO INCORPORATE

Notice is given that Articles of Incorporation which will incorporate DOGSTUFF DEPOT, INC. will be delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation will be located at 1162 Rocktree Road, Dahlonega, Lumpkin County, Georgia, 30533. The initial registered agent of the corporation at such address shall be Cordula Maring-Teichmann. Lisa M. Gable Robertson & Gable, LLC 5875 Peachtree Industrial Blvd., Suite 170 Norcross GA 30092 770-736-5182

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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 that certain Security Deed given by Gerardo M. Balboni to RBC Centura Bank now known as RBC Bank (USA), dated June 27, 2007 and filed June 28, 2007, recorded in Deed Book 1049, Page 721-732, Lumpkin County, Georgia Records, later transferred by merger to PNC Bank, National Association, conveying the after-described property to secure a Promissory Note in the original principal amount of Fifty six thousand five hundred and fifty dollars no cents ($56,550.00), 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 Tuesday November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 377 of the 5th Land District, First Section, of Lumpkin County, Georgia, being all of Tract 3 (containing 6.10 acres on Nimblewell Church Road) as shown on that plat for Steve Smith recorded in Plat Cabinet 1 Slide 132 Page 28 of the Lumpkin County, Georgia Deed Records to which said plat reference is made for a more detailed description. This is a portion of the property conveyed to Stephen R. Smith and Amber R. Smith recorded in Deed Book J-37, Pages 669-670 of the Lumpkin County, Georgia Deed Records. Said property is conveyed together with and subject to all easements, covenants and restrictions of record, if any. 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 Promissory 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, 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 Gerardo M. Balboni or a tenant or tenants and said property is more commonly known as Lot 3 Nimblewell Church Road, Dahlonega, GA 30533. In compliance with Georgia law, please find below the contact information for the entity who has authority to negotiate, amend, and modify the terms of the loan documents which may include a note, mortgage, security deed or deed to secure debt. PNC Bank, N.A. Loss Mitigation Department 3232 Newmark Drive Miamisburg, OH 45342 Phone: 888-224-4702 Fax: 855-288-3974 The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. PNC Bank, National Association, as Attorney in Fact for Gerardo M. Balboni By: Andrew D. Gleason Attorney for PNC Bank, National Association Lefkoff, Rubin, Gleason & Russo, P.C. 5555 Glenridge Connector Suite 900 Atlanta, Georgia 30342 (404)869-6900 (404)869-6909 (fax)

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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 Ginger L. Meade to Wells Fargo Bank, N.A. dated August 4, 2006, and recorded in Deed Book 1000, Page 94, Lumpkin County Records, securing a Note in the original principal amount of $71,379.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 5, 2013, 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 94, 13TH DISTRICT, LUMPKIN COUNTY, GEORGIA AND BEING FULLY DESCRIBED BY A PLAT PREPARED BY FARLEY-COLLINS ASSOCIATES, GEORGIA REGISTERED LAND SURVEYOR, DATED NOVEMBER 9, 1983, LAST REVISED NOVEMBER 12, 1984: AND AS PER SAID PLAT, THE PROPERTY CONTAINS 1.11 ACRES, MORE OR LESS, BEING MORE PARTICULARLY DESCRIBED AS LOT 5 OF THE CAIN BRIDGE HEIGHTS SUBDIVISION. THE SUBJECT PLAT BEING OF RECORD IN PLAT BOOK 13, PAGE 49, LUMPKIN COUNTY RECORDS. SAID PLAT IS HEREBY INCORPORATED BY REFERENCE. 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. Said property is known as 211 Cain Bridge Heights, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor. The property is or may be in the possession of Ginger L. Meade, successor in interest or tenant(s). Wells Fargo Bank, N.A. as Attorney-in-Fact for Ginger L. Meade File no. 13-042913 SHAPIRO, SWERTFEGER & HASTY, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100 Atlanta, GA 30341-3941 (770) 220-2535/KLM HYPERLINK "http://www.swertfeger.net" www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS]

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NOTICE OF REFERENDUM TO THE QUALIFIED VOTERS OF LUMPKIN COUNTY SCHOOL DISTRICT, GEORGIA

NOTICE IS HEREBY GIVEN that on the 5th day of November, 2013, a special election will be held at the regular polling places in all the election districts of Lumpkin County at which time there will be submitted to the qualified voters of Lumpkin County for their determination the question of whether a special sales and use tax for educational purposes of one percent shall continue to be levied, imposed and collected on all sales and uses in Lumpkin County for a period of time not to exceed twenty (20) calendar quarters and for the purpose of raising not more than $19,500,000 of net proceeds by said tax, which shall go to the School District for the purpose of (i) adding to, renovating, repairing, improving, equipping, and demolishing existing school buildings and school system facilities, including, but not limited to, roofing, HVAC and physical education/athletic facilities and fields; (ii) acquiring new computer hardware and software; (iii) acquiring miscellaneous new equipment, fixtures, and furnishings for the school district, including, but not limited to, safety and security equipment; (iv) acquiring school buses and transportation and maintenance equipment and facilities; (v) acquiring, constructing and equipping new buildings and facilities useful and desirable; (vi) acquiring land; and (vii) purchasing textbooks, the maximum amount sales and use tax proceeds to be spent on projects (i) through (vii) shall not exceed $19,500,000. The ballots to be used at such referendum shall have written or printed thereon substantially the following: _____ Yes _____ No Shall a special one percent sales and use tax for educational purposes be imposed in Lumpkin County for a period not to exceed twenty (20) calendar quarters and for the purpose of raising not more than $19,500,000 of net proceeds by said tax, which shall go to the School District for the purpose of (i) adding to, renovating, repairing, improving, equipping, and demolishing existing school buildings and school system facilities, including, but not limited to, roofing, HVAC and physical education/athletic facilities and fields; (ii) acquiring new computer hardware and software; (iii) acquiring miscellaneous new equipment, fixtures, and furnishings for the school district, including, but not limited to, safety and security equipment; (iv) acquiring school buses and transportation and maintenance equipment and facilities; (v) acquiring, constructing and equipping new buildings and facilities useful and desirable; (vi) acquiring land; and (vii) purchasing textbooks, the maximum amount sales and use tax proceeds to be spent on projects (i) through (vii) shall not exceed $19,500,000. The several places for holding said referendum shall be at the regular and established voting precincts of the election districts of Lumpkin County, Georgia, and the polls will be open from 7:00 a.m. to 7:00 p.m. on the date fixed for the referendum. All polling places will be open. Pursuant to Official Code of Georgia Annotated § 21-2-224(b) the registration deadline for this special election shall be at the close of business on the fifth Monday prior to the date of the special election or, if such Monday is a legal holiday, by the close of business on the following business day. The last day to register to vote in this referendum shall be October 7, 2013, through 5:00 p.m. Mail voter registration applications must be postmarked on or before October 7, 2013. This notice is given pursuant to a resolution of the Lumpkin County Board of Education adopted on July 22, 2013. This 10th day of September, 2013. s/Ashley Peck Election Superintendent, Lumpkin County Board of Elections

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NOTICE OF SALE UNDER POWER

STATE OF GEORGIA, COUNTY OF LUMPKIN.

By virtue of the power of sale contained in that certain Deed to Secure Debt from Darrell Cook and Jacqueline Cook to Ruby Nell Hall and filed for record in Deed Book R-37, Pages 375-379, Lumpkin County Records, having been given to secure a Note dated April 6, 2006, in the original principal sum of Five Hundred Seventy-Five Thousand and no/100s Dollars ($575,000.00), with interest from date at the rate stated in said Note on the unpaid balance until paid, as well as all other obligations, debts, liabilities, plus interest thereon, of Grantors to Lender, 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 November 5, 2013, the property described in the Exhibit "A" attached hereto. This property located at 437 Rider Mill Rd, Dahlonega, GA 30533. 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. The debt 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 (notice of intent to collect attorney's fees having been given). Said property will be sold subject to all outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), and matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning or land use ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. The sale will be conducted subject to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code. To the best knowledge and belief of the undersigned, the party in possession of the property is Darrell Cook and Jacqueline Cook. Ruby Nell Hall has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor. Ruby Nell Hall may be contacted through her attorney, Joy L. Edelberg, Horne & Edelberg, P.C., PO Box 37, Dahlonega, GA 30533, 706-864-7303. Ruby Nell Hall Attorney-in-Fact for Darrell Cook and Jacqueline Cook Horne & Edelberg, P.C. Attorneys at Law P. O. Box 37 Dahlonega, Georgia 30533 706-864-7303 Exhibit "A" All that tract or parcel of land lying and being in Land Lot 294 and 337 of the12th District and 1st Section of Lumpkin County, Georgia consisting of 26.02 acres, more or less, and being described as follows: Beginning on the east and west original line, said point being where the east and west original line of Land Lot 294 intersects with Etowah River; thence east along and with said original line192.5 feet to a point where said original line intersections with Jay Bridge Road; thence South 5 degrees 15 minutes east 135 feet; thence south 15 degrees 30 minutes east 127 feet; thence South 1 degree West 247 feet; thence South 27 degrees 30 minutes East 97 feet; thence South 55 degrees 30 minutes East 253 feet; thence South 86 degrees West 106 feet; thence South 72 degrees West 94 feet; thence North 76 degrees West 76 feet; thence North 18 degrees West 35 feet; thence North 89 degrees 30 minutes West 79 feet; thence north 25 degrees 30 minutes West 72 feet; thence 56 degrees West 99 feet; thence North 64 degrees West 178 feet; thence North 88 degrees 30 minutes West 153 feet; thence South 63 degrees West 263 feet; thence North 62 degrees West 78 feet; thence South 35 degrees West 160 feet; thence south 28 degrees West 107 feet; thence South 88 degrees West 101 feet; thence South 63 degrees West 64 feet to a point where said line intersects with the Etowah River; thence North 43 degrees West 266 feet; thence North 63 degrees West 88 feet; thence North 34 degrees West 195 feet; thence north 56 degrees 30 minutes West 382 feet; thence south 80 degrees West 268 feet; thence North 3 degrees West 112 feet; thence North 44 degrees East 110 feet; thence North 11 degrees East 107 feet to a point where said line intersects with the original line and which point is the point of beginning. The above stated description is taken from a plat made by James D. Barrett, Lumpkin County Surveyor, dated February 28, 1968. The above described property is conveyed subject to rights of upper and lower riparian owners in and to the waters of the Etowah River and the natural flow thereof, free from diminution and pollution. Conveyed by QUIT CLAIM only is all that tract or parcel of land lying and being in Land Lots 294 and 337 of the 12th District, 1st Section of Lumpkin County, Georgia shown as 28.314 acres, more or less on that certain plat of survey prepared for Linda K. Caruthers & Ruby Nell Hall by W.T. Dunahoo, GRLS, and dated December 14, 1989.

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NOTICE TO DEBTORS AND CREDITORS

All creditors of the Estate of Harold Dean Seitz, deceased, late of Lumpkin County, Georgia, 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 me. This 13th day of September. Harold Stanley Seitz and Joyce Seitz Hutcheson, Co-Executors c/o Roger J. Bauer, Attorney P.O. Box 67 Dahlonega, GA 30533

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NOTICE OF SALE UNDER POWER

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

By virtue of the power of sale contained in that certain Security Deed from JAMES E. BATES, JR. and ROSEMARY BATES to FIRST GEORGIA BANKING COMPANY, dated the 4th day of June, 2008, and recorded in Deed Book 1098 at Page 259, in the Records of the Clerk of Superior Court, Lumpkin County, as re-recorded to place the notary signature in the appropriate block at Deed Book 1103, Page 252, aforesaid records, as modified by that certain Modification Agreement - Security Deed from JAMES E. BATES JR. and ROSEMARY BATES to CERTUSBANK, N.A. dated February 6, 2012, recorded at Deed Book 1207, Page 648, aforesaid records (the "Security Deed"), as assigned to CertusBank, N.A. by virtue of that certain Assignment of Security Instrument/Deed of Trust/Security Deed or Mortgage, from the Federal Deposit Insurance Corporation acting as receiver for First Georgia Banking Company, dated November 29, 2012, recorded at Deed Book 1235, Page 69, aforesaid records, there will be offered for sale at public outcry to the highest bidder for cash before the Courthouse door of said County during the legal hours of sale on the first Tuesday in November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1095 OF THE 12th DISTRICT, 1st SECTION OF LUMPKIN COUNTY AND BEING LOT 1027 OF BIRCH RIVER SUBDIVISION N/K/A ACHASTA, UNIT 10, AND AS MORE PARTICULARLY DESCRIBED ON THAT CERTAIN PLAT OF SURVEY REOCRDED AT CABINET ONE, SLIDE 115, PLAT 82-87, 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). 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, special assessments; all outstanding bills for public utilities which constitute liens upon said property; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); 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: CertusBank, N.A., 100 Tom Reeve Drive, Carrollton, Georgia 30117. 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 James E. Bates, Jr. and Rosemary Bates, or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. CERTUSBANK, N.A. Attorney-in-Fact for James E. Bates, Jr. and Rosemary Bates Alissa Cummo, Esq. MAHAFFEY PICKENS TUCKER, LLP 1550 North Brown Road Suite 125 Lawrenceville, Georgia 30043 (770) 232-0000

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by John M. Hampton and Debra J. Hampton to Bank of America, N.A. dated June 18, 2010 in the amount of $148,430.00, and recorded in Deed Book 1164, Page 379, 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 November, 2013 , 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 land, situate, lying and being in the County of Lumpkin, State of Georgia, to wit: All that tract or parcel of land lying and being in Land Lots 224 and 225 of the 12th District, 1st Section of Lumpkin County, Georgia, consisting of 1.538 acres, more or less, together with all improvements located thereon, and being more particularly set out as Parcel 1 on a plat of survey dated October 8, 1997, revised April 13, 1998, prepared for Robert Grizzle by Michael Stewart Kelley, Georgia Registered Land Surveyor. This plat is recorded in Slide Cabinet 1, Slide 15, Page 86A, Lumpkin County, Georgia Records, and is incorporated herein by reference for a more detailed description, being improved property having a House thereon commonly known as 22 Swiftwaters Road, Dahlonega, Georgia, according to the present system of numbering houses in Lumpkin County, Georgia. Also conveyed herein is a perpetual, non-exclusive easement Twenty foot in width along and with Swift Water Lake leading to Georgia Highway 52 West. For Informational Purposes Only the Property Address is: 22 Swiftwaters Road, Dahlonega, GA 30533 Reference#: 220784160 City: Tax Parcel ID: 031 018 Block: Lot: which has the property address of 22 Swiftwaters 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): John M. Hampton and Debra J. Hampton or tenant or tenants 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. 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, LLC 2501 S State Hwy 121, Bldg. 1 Lewisville, TX 75067 Phone Number: (888) 850-9398, ext. 3705. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. Nationstar Mortgage LLC Attorney in Fact for John M. Hampton and Debra J. Hampton McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 13-03767 /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.

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STATE OF GEORGIA

COUNTY of LUMPKIN

NOTICE OF SALE UNDER POWER

By virtue of the power of sale contained in that certain Deed to Secure Debt from KEVIN S. DANIEL and VIRGINIA S. DANIEL to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. dated March 14, 2008, filed for record March 24, 2008, and recorded in Deed Book 1087, Page 122, LUMPKIN County, Georgia Records, as last transferred to CITIMORTGAGE, INC. by assignment recorded in Deed Book 1245, Page 753, LUMPKIN County, Georgia Records, said Deed to Secure Debt having been given to secure a Note dated March 14, 2008 in the original principal sum of FOUR HUNDRED TWELVE THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($412,500.00), with interest from date at the rate stated in said Note 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 November, 2013, the property described on Exhibit "A" attached hereto and incorporated herein by reference. To the best of the knowledge and belief of the undersigned, the party in possession of the property is KEVIN S. DANIEL and VIRGINIA S. DANIEL or a tenant or tenants. Said property is more commonly known as: 246 NUCKOLLS LANE, DAWSONVILLE, GA 30534. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt 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. The individual or entity that has full authority to negotiate, amend, and modify all terms of the loan is CITIMORTGAGE, INC., 5280 CORPORATE DR, FREDERICK, MD 21703-8351; (866) 272-4749. 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. Said property will be sold as the property of KEVIN S. DANIEL and VIRGINIA S. DANIEL. CITIMORTGAGE, INC. As Attorney-in-Fact for KEVIN S. DANIEL VIRGINIA S. DANIEL Phelan Hallinan & Jones, LLC 303 Perimeter Center North, Suite 800 Atlanta, GA 30346 Telephone: 770-393-4300 Fax: 770-393-4310 PH # 15685 This law firm is acting as a debt collector. Any information obtained will be used for that purpose. EXHIBIT A ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 85 OF THE 13TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, LOT 34, PARKS RIDGE SUBDIVISION, AS PER PLAT RECORDED IN PLAT CABINET 1, SLIDE 82, PAGES 32A-38, LUMPKIN COUNTY RECORDS, SAID PLAT BEING INCORPORATED HEREIN BY REFERENCE THERETO. OUR FILE NUMBER: 0000492NGA08

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NOTICE OF FORECLOSURE SALE UNDER POWER

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

Under and by virtue of the Power of Sale contained in a Security Deed given by Khrista Lee Keys to Union Planters Bank, N.A., dated February 24, 2003, and recorded in Deed Book W30, Page 346, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Seventy Thousand Fifty and 0/100 dollars ($70,050.00), 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 November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 436 of the 5th District, 1st Section of Lumpkin County, Georgia, being 1.00 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated December 28, 1998, prepared for Vernon Grizzle by J.A. Page, Jr., Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide, 24, Plat 80B, Lumpkin County Records, and is incorporated herein by reference for a more detailed description. Together with that certain housing unit which was formerly personal but is now permanently annexed and affixed to the above described land as a permanent improvement, and all rights there unto appertaining. This property is conveyed subject to all easements for roads and utilities in use or of record. 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). Your mortgage servicer can be contacted at (800) 748-9498 - Loss Mitigation Dept, or by writing to 605 S. Perry, P.O. Box 5640, Montgomery, Alabama 36102-5640, to discuss possible alternatives to avoid 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 Khrista Lee Keys or tenant(s); and said property is more commonly known as 1075 Jess Grizzle Road, Dahlonega, GA 30533. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. Regions Bank successor by merger to Union Planters Bank, N.A. successor by merger with Union Planters Mortgage, Inc. as Attorney in Fact for Khrista Lee Keys. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 13-17735

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IN THE PROBATE COURT COUNTY OF LUMPKIN STATE OF GEORGIA

Re: ESTATE OF MARIE E. KREBS, DECEASED ESTATE NO. 2013-PS-106 PETITION BY PERSONAL REPRESENTATIVE FOR WAIVER OF BOND AND/OR GRANT OF CERTAIN POWERS

NOTICE

Michael K. Krebs has petitioned for waiver of bond and/or for the grant of certain powers contained in O.C.G.A.§53-12-261 in regard to the above estate. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before November 4, 2013. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections unless you qualify to file as indigent party. If any objections are filed, the petition may be denied or a hearing will be scheduled for a later date. If no objections are filed, the petition may be granted without a hearing. Given under my hand and official seal, the 4th day of October, 2013. Michael Chastain Judge of the Probate Court Issued by: Shelley Wilson Clerk of the Probate Court

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

Probate Court, County of Lumpkin, State of Georgia

Re:Estate of Janice Turner Carpenter, Deceased Estate No-2013-LA-97

Allison Carpenter has petitioned to be appointed Administrator of the estate of Janice Turner Carpenter, deceased, of said County. The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or before October 21, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Michael A. Chastain Probate Judge by:Shelley Wilson Probate Clerk 325 Riley Road,Room-122 Dahlonega, Georgia 30533 706-864-3847

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PETITION FOR LETTERS OF ADMINISTRATION NOTICE

Probate Court, County of Lumpkin, State of Georgia

Re:Estate of Lester G. Spencer, Deceased Estate No-2013-LA-107

Sandra Michelle Stokes has petitioned to be appointed Administrator of the estate of Lester G. Spencer deceased, of said County. The petitioner has also applied for waiver of bond and/or grant of certain powers contained in O.C.G.A. §53-12-261. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or before November 12, 2013. All pleadings/objections must be signed under oath before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing. Michael A. Chastain Probate Judge by:Shelley Wilson Probate Clerk 325 Riley Road,Room-122 Dahlonega, Georgia 30533 706-864-3847

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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 Lisa D. Odom and Phillip L. Odom to Regions Bank DBA Regions Mortgage dated September 28, 2006, and recorded in Deed Book 1008, Page 440, Lumpkin County Records, securing a Note in the original principal amount of $113,795.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, November 5, 2013, 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 377 of the 5th District, 1st Section of Lumpkin County, Georgia, consisting of 2.000 acres, more or less, together with all improvements located thereon, and being more particularly set out on a plat of survey dated May 16, 2003 prepared for Barbara Greene by John T. Gaston, Georgia Registered Land Surveyor. This plat is recorded in Plat Cabinet 1, Slide 92, Plat 36B, Lumpkin County Records and is incorporated herein by reference for a more detailed description. Also conveyed herewith is a perpetual, non-exclusive easement for water service from the well located on adjacent property as stated on the above referenced plat of survey. Said easement shall run along and with the existing water lines, wherever they may lie, to the well and shall be 5 feet on either side of the water lines and around the well. This property is conveyed subject to perpetual, non-exclusive easements twenty feet in width along and with the two existing gravel drives which cross the subject property and provide access to the adjacent property as shown on the above referenced plat of survey. This property is conveyed subject to all easements for public roads and utilities in use or of record. Said property is known as 648 Nimblewill Church Road, Dahlonega, GA 30533, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor. The property is or may be in the possession of Lisa D. Odom and Phillip L. Odom, successor in interest or tenant(s). Regions Bank DBA Regions Mortgage as Attorney-in-Fact for Lisa D. Odom and Phillip L. Odom File no. 12-027581 SHAPIRO, SWERTFEGER & HASTY, LLP* Attorneys and Counselors at Law 2872 Woodcock Blvd., Suite 100?Atlanta, GA 30341-3941 (770) 220-2535/CH www.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. [FC-NOS]

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA COUNTY OF LUMPKIN

All creditors of the Estate of Lois G. Frechette, 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 the Estate are required to make immediate payment to us. This 27th day of September, 2013. Frederick Frechette and Mary Frechette, Co-Executors of the Estate of Lois G. Frechette. Joy L. Edelberg, Horne & Edelberg, P.C. Post Office Box 37 Dahlonega, Georgia 30533

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Lori Shayna Sherrill A/K/A Lori S. Sherrill and Douglas Ray Sherrill A/K/A Douglas R. Sherrill to JPMorgan Chase Bank, N.A. dated March 3, 2005 in the amount of $157,000.00, and recorded in Deed Book I 35, Page 658, 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 November, 2013 , 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 642 in the 12th District, 1st Section, of Lumpkin County, Georgia, consisting of 1.300 acres more or less, being Lot 5 of Martins Grove Subdivision, Phase Two, and being more fully described and delineated according to a plat of survey prepared August 29, 1996 by Michael S. Kelley, Georgia Registered Surveyor, which is recorded in Plat Book 30, Page 32, Lumpkin County, Georgia Records, which is incorporated by reference herein. which has the property address of 447 Alex 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Lori Shayna Sherrill A/K/A Lori S. Sherrill and Douglas Ray Sherrill A/K/A Douglas R. Sherrill or tenant or tenants 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. 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: JPMorgan Chase Bank, National Association 800 Brooksedge Blvd., Floor 2 Westerville, OH 43081 Phone Number: 866-550-5705. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. JPMorgan Chase Bank, National Association Attorney in Fact for Lori Shayna Sherrill A/K/A Lori S. Sherrill and Douglas Ray Sherrill A/K/A Douglas R. Sherrill McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 11-07079 /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.

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NOTICE OF PETITION FOR ADOPTION

Notice is hereby given that Micah Scott Walker has filed a Petition for Adoption of a minor child, B.F.G., Lumpkin County Superior Court Case No.: 2012-AD-10-SG, filed on September 27th, 2012, praying for the adoption of the minor child. Notice is hereby given to the Putative Father, Casey Everett Gregg, commanding him to file with the Clerk of Superior Court of Lumpkin County any objection to said adoption within 60 days from September 5th, 2013.

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NOTICE TO DEBTORS AND CREDITORS

To: All Creditors of Nancy Callie Ridley, late of Lumpkin County, Georgia On behalf of Nancy Callie Ridley, now deceased, you are hereby notified, pursuant to O.C.G.A. 53-7-92, to render in your demands and claims to and all persons who claim indebtedness by Nancy Callie Ridley: Nancy Callie Ridley c/o Kevin Tharpe - Executor of the Estate 405 Broad St. SE Gainesville, GA 30501

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

By virtue of a Power of Sale contained in that certain Security Deed from RICHARD A. BROWN AND MELINDA B. BROWN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR W.J. BRADLEY MORTGAGE CAPITAL CORP., AN OREGON CORPORATION, dated June 23, 2009, recorded June 29, 2009, in Deed Book 1135, Page 634, Lumpkin County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Two Hundred Thousand Three Hundred Five and 00/100 dollars ($200,305.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to Nationstar Mortgage LLC, 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 November, 2013, all property described in said Security Deed including but not limited to the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 463 OF THE 12TH DISTRICT, 1ST SECTION, LUMPKIN COUNTY, GEORGIA, BEING LOT 57, BROOKWOOD SUBDIVISION, AS PER PLAT RECORDED IN PLAT CABINET ONE, SLIDE 139, PAGE 161, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN AND MADE A PART HEREOF BY REFERENCE. Said legal description being controlling, however the property is more commonly known as 121 BROOKWOODS LANE, 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. 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 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 RICHARD A. BROWN AND MELINDA B. BROWN, 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: Nationstar Mortgage, LLC, Loss Mitigation Dept., 350 Highland Drive, Lewisville, TX 75076, Telephone Number: 888-850-9398 ext 3705. NATIONSTAR MORTGAGE LLC as Attorney in Fact for RICHARD A. BROWN AND MELINDA B. BROWN 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, LLC, 3740 Davinci Court, Suite 150, Peachtree Corners, GA 30092 Telephone Number: (877) 813-0992 Case No. NAT-13-06080-0002 Ad Run Dates 10/09/2013, 10/16/2013, 10/23/2013, 10/30/2013 www.rubinlublin.com/property-listings.php

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NOTICE OF SALE UNDER POWER

GEORGIA, LUMPKIN COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Richard A. Durham and Cyndi N. 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 November, 2013, 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. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a). To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Richard A. Durham and Cyndi N. Durham or tenant or tenants 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. 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: JPMorgan Chase Bank, National Association 800 Brooksedge Blvd., Floor 2 Westerville, OH 43081 Phone Number: 866-550-5705. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument. JPMorgan Chase Bank, National Association Attorney in Fact for Richard A. Durham and Cyndi N. Durham McCurdy & Candler, L.L.C. (404) 373-1612 www.mccurdycandler.com The Dahlonega Nugget Publication Dates:10-09-2013, 10-16-2013, 10-23-2013, 10-30-2013 File No. 09-22154 /FNMA/kandrade THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR AND IS ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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NOTICE OF SALE UNDER POWER

THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. By virtue of the power of sale contained in that certain Security Deed from THOMAS A. STARK and DIANA H. STARK to FIRST GEORGIA BANKING COMPANY, dated the 30th day of May, 2008, and recorded in Deed Book 1098 at Page 269, in the Records of the Clerk of Superior Court, Lumpkin County, as re-recorded to place the notary signature in the appropriate block at Deed Book 1103, Page 244, aforesaid records (the "Security Deed"), as assigned to CertusBank, N.A. by virtue of that certain Receiver's Assignment of Loan Documents from the Federal Deposit Insurance Corporation acting as receiver for First Georgia Banking Company, dated May 20, 2011, recorded at Deed Book 1214, Page 328, aforesaid records, there will be offered for sale at public outcry to the highest bidder for cash before the Courthouse door of said County during the legal hours of sale on the first Tuesday in November, 2013, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 1093 OF THE 12th DISTRICT, 1st SECTION OF LUMPKIN COUNTY AND BEING LOT 1006 OF BIRCH RIVER SUBDIVISION N/K/A ACHASTA, UNIT 10, AND AS MORE PARTICULARLY DESCRIBED ON THAT CERTAIN PLAT OF SURVEY REOCRDED AT CABINET ONE, SLIDE 115, PLAT 82-87, 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). 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, special assessments; all outstanding bills for public utilities which constitute liens upon said property; any rights of redemption, if applicable, by the United States of America, pursuant to 26 U.S.C. 7425(d)(1); 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: CertusBank, N.A., 100 Tom Reeve Drive, Carrollton, Georgia 30117. 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 Thomas A. Stark and Diana H. Stark, or a tenant or tenants. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. CERTUSBANK, N.A. Attorney-in-Fact for Thomas A. Stark and Diana H. Stark Alissa Cummo, Esq. MAHAFFEY PICKENS TUCKER, LLP 1550 North Brown Road Suite 125 Lawrenceville, Georgia 30043 (770) 232-0000

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NOTICE OF SALE UNDER POWER

STATE OF GEORGIA COUNTY OF LUMPKIN

Under and by virtue of the power of sale contained with that certain Security Deed dated June 7, 2004, from Tina Walden to Mortgage Electronic Registration Systems, Inc. as nominee for Primary Captial Advisors LC, recorded on June 7, 2004 in Deed Book W33 at Page 105, Lumpkin County, Georgia Records, having been last sold, assigned, transferred and conveyed to HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE SARM 2004-12 TRUST by Assignment and said Security Deed having been given to secure a note dated June 7, 2004, in the amount of $258,400.00, 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 November 5, 2013, the following described real property (hereinafter referred to as the "Property"): ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 979 AND 980 OF THE 12 DISTRICT AND 1ST SECTION OF LUMPKIN COUNTY, GEORGIA, BEING ALL OF LOT 145, SKY COUNTRY PHASE 5, ACCORDING TO A PLAT OF SAME RECORDED AT PLAT CABINET 1, SLIDE 88, PLAT 148, LUMPKIN COUNTY, GEORGIA RECORDS, WHICH PLAT IS INCORPORATED HEREIN BY REFERENCE FOR A MORE DETAILED DESCRIPTION OF SUBJECT PROPERTY. 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 Security Deed, 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 Tina Walden. The property, being commonly known as 89 Misty Way, Dahlonega, GA 30533 in Lumpkin County, will be sold as the property of Tina Walden, 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.Section 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. Section 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 HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR THE HOLDERS OF THE SARM 2004-12 TRUST as Attorney in Fact for Tina Walden 100 Galleria Parkway, Suite 960 Atlanta, GA 30339 Phone: (866) 690-0418 By: James E. Albertelli, Esq. For the Firm THIS FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. JEA - 13-118508 A-4417327 10/09/2013, 10/16/2013, 10/23/2013, 10/30/2013

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NOTICE OF FORECLOSURE SALE UNDER POWER

LUMPKIN COUNTY, GEORGIA

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Under and by virtue of the Power of Sale contained in a Security Deed given by William Gregory Wood and Kerry Jeannette Wood to SunTrust Mortgage, Inc., dated December 15, 2006, and recorded in Deed Book 1018, Page 692, Lumpkin County, Georgia Records, as last transferred to SunTrust Bank by assignment to be recorded, Lumpkin County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of One Hundred Sixteen Thousand and 0/100 dollars ($116,000.00), 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 November 5, 2013, the following described property: All that tract or parcel of land lying and being in Land Lot 109 of the 13th District, 1st Section of Lumpkin County, Georgia, and being Lot 34 of Winfield Station Subdivision, as shown on a plat of survey for said subdivision by John T. Gatson, GRLS No. 2821, dated October 13, 2000 and recorded in Plat Cabinet 1, Slide 61, Page 16B, Lumpkin County, Georgia Records, 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, 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). Your mortgage servicer can be contacted at (800) 443-1032 - Loss Mitigation Dept, or by writing to PO Box 27767, Richmond, Virginia 23261, to discuss possible alternatives to avoid 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 William Gregory Wood and Kerry Jeannette Wood or tenant(s); and said property is more commonly known as Lot 34 Winfield Station, Dawsonville, GA 30534. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code (2) final confirmation and audit of the status of the loan with the holder of the security deed and (3) any right of redemption or other lien not extinguished by foreclosure. SunTrust Bank as Attorney in Fact for William Gregory Wood and Kerry Jeannette Wood. Brock & Scott, PLLC 4360 Chamblee Dunwoody Road Suite 310 Atlanta, GA 30341 404-789-2661 B&S file no.: 13-18079
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