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DEBTORS AND CREDITORS

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NOTICE TO DEBTORS AND CREDITORS

STATE OF GEORGIA,

COUNTY OF STEPHENS

IN RE: ESTATE OF EPP JACOB HAYES, JR.

All creditors of the estate of Epp Jacob Hayes, Jr., deceased, late of Stephens County, are hereby notified to render their demands to the undersigned according to law and all persons indebted to said estate are required to make immediate payment to said Executrix.

This 12th day of June, 2009.

Teresa L. Hayes, Executrix of the Estate of Epp Jacob Hayes, Jr., Deceased

306 Turner Rd.

Eastanollee, Georgia 30538

Donald C. Tabor,

Attorney at Law

P.O. Box 1082

Toccoa, Georgia 30577

No.5720

TR25-4-PP-7/9-5720

STATE OF GEORGIA

COUNTY OF STEPHENS

NOTICE TO DEBTORS AND CREDITORS

All creditors of the Estate of Ronald E. Elrod, deceased, late of Stephens County, Georgia, are hereby notified to render their demands to the undersigned according to law, and all persons indebted to said estate are required to make immediate payment to the undersigned.

This 12th day of June, 2009.

Gloria J. Elrod

Executrix of the Estate of Ronald E. Elrod, Deceased

Address:

3028 West Currahee Street

Toccoa, GA 30577

Prepared by:

James T. Irvin Law Office

27 East Tugalo Street

Suite 101

Toccoa, Georgia 30577

(706) 886-6541

No.5721

TR25-4-6872-7/9-5721

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NOTICE TO DEBTORS AND CREDITORS

GEORGIA, STEPHENS COUNTY.

Tommy M. Holloway has qualified as Executor of the Estate of Sue B. Holloway a/k/a Annie Sue Holloway, deceased. All creditors of the Estate of Sue B. Holloway, a/k/a Annie Sue Holloway, deceased, late of Stephens County, are hereby notified to render in their demands to the said Tommy M. Holloway, Executor, according to law, and all persons indebted to said Estate are required to make immediate payment to the said Tommy M. Holloway.

This 24th day June, 2009.

TOMMY M. HOLLOWAY

EXECUTOR OF THE ESTATE OF

SUE B. HOLLOWAY, A/K/A ANNIE SUE HOLLOWAY, DECESAED.

Janney E. Sanders

Sanders, Smith & Ranck, P.C.

P.O. Box 1005

Toccoa, GA 30577

706-886-7533

Attorneys for Tommy M. Holloway

No.5730

TR26-4-6563-7/23

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STATE OF GEORGIA

COUNTY OF STEPHENS

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Lucy Heard Wheeler, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned.

This 5 day of June, 2009.

Witness my/our hand(s) and seal(s), on the day above written.

Juanita Wheeler

(JUANITA WHEELER ACTING

AS EXECUTRIX OF THE

LUCY HEARD WHEELER ESTATE.)

ADDRESS:

2984 FALLINS WATER POINT

COLLEGE PARK, GA 30349

TELEPHONE:

(404) 277-6967

No.5676

TR24-4-PP-7/2-5676

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STATE OF GEORGIA

COUNTY OF STEPHENS

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Ruby Bellamy, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned.

This 5th day of June, 2009.

Barry K. Brown

(BARRY K. BROWN ACTING

AS EXECUTOR OF THE

RUBY BELLAMY ESTATE.)

ADDRESS:

1931 TIBBS TERRACE

DALTON, GA 30720

TELEPHONE:

(706)275-7283

No.5684

TR24-4-PP-7/2-5684

STATE OF GEORGIA

COUNTY OF STEPHENS

NOTICE TO CREDITORS AND DEBTORS

All persons indebted to Basil Vasco Franklin, deceased, are hereby notified to make immediate payment to the undersigned and all creditors of said decedent are hereby notified to render their claims to the undersigned.

This 5th day of June, 2009.

B.V. Franklin

(CAROLE DIANNE FRANKLIN BLAND ACTING AS EXECUTRIX OF THE

BASIL VASCO FRANKLIN ESTATE.)

ADDRESS:

4604 DRIFTWATER ROAD

DULUTH, GA 30096

6/11

No.5709

FORECLOSURES

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STATE OF GEORGIA

COUNTY OF STEPHENS

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Joshua C. Hughes and Melissa E. Hughes to Regions Bank DBA Regions Mortgage dated September 7, 2007, and recorded in Deed Book 826, Page 418, Stephens County Records, securing a Note in the original principal amount of $85,000.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 7, 2009, 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 the Toccoa, 440th GMD, Stephens County, Georgia, and being designated as Tract No. 1 containing 1.01 acres and Tract No. 2 containing 0.25 Acre, all according to plat of survey for Donald L. Weaver, by Clelland A. Tyson, Registered Surveyor, dated April 7, 1992, as recorded in Plat Book 15, Page 483, in the Office of the Clerk of Superior Court, Stephens County, Georgia. The description as contained therein being incorporated herein by reference.

Said property is known as Route 3 Black Mountain Road, Box 3224, Toccoa, GA 30577, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

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

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

Said property will be sold as the property of Joshua C. Hughes and Melissa E. Hughes, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Joshua C. Hughes and Melissa E. Hughes, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Regions Bank DBA Regions Mortgage as

Attorney-in-Fact for Joshua C. Hughes and

Melissa E. Hughes

File no. 09-009440

L.J. SWERTFEGER, JR.

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Boulevard, Suite 100

Atlanta, GA 30341

(770) 220-2535/ASR

www.swertfeger.net

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

No.5686

TR24-4-7741-7/2-5686

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STATE OF GEORIGA

COUNTY OF STEPHENS

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Opal Allen Williams and Sonja Marlene Williams to Coastal Mortgage Corporation, a SC Corp. dated January 25, 1996, and recorded in Deed Book 340, Page 145, Stephens County Records, said Security Deed having been last sold, assigned, transferred and conveyed to Wells Fargo Bank Minnesota, NA, as Trustee for Equivantage Home Equity Loan Trust, 1996-1, by Assignment securing a Note in the original principal amount of $59,250.00, the holder thereof pursuant to said Deed and Note thereby secured has declared the entire amount of said indebtedness due and payable and, pursuant to the power of sale contained in said Deed, will on the first Tuesday, July 7, 2009, 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 together with Improvements thereon lying and being in the in the Martin (1647) GMD, Stephens County, Georgia, CONTAINING: 7.30 ACRES, more or less, fronting on the northeasterly side of the right of way of Holcomb Drive and being more particularly shown and described according to plat of survey for Opal Allen Williams by Clelland A. Tyson, Registered Land Surveyor, dated June 21, 1973 recorded in Plat Book 6, Page 239, Stephens County Records which plat of survey is incorporated herein by reference as part of this description. Property described herein is the same as that conveyed by Warranty Deed from C.L. Holcomb to Opal Allen Williams and Sonja Marlene Williams dated October 5, 1972 recorded in Deed Book 117, Page 1, Stephens County Records.

Said property is known as RR 3 Box 177, Martin, GA 30557, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

Said property will be sold as the property of Opal Allen Williams and Sonja Marlene Williams, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Opal Allen Williams and Sonja Marlene Williams, and the proceeds of said sale will be applied to the payment of said indebtedness and all the expenses of said sale, including attorney’s fees, all as provided in said Deed, and the balance, if any, will be distributed as provided by law.

Wells Fargo Bank Minnesota, NA, as Trustee for Equivantage Home Equity Loan Trust, 1996-1 as Attorney-in-Fact for

Opal Allen Williams and

Sonja Marlene Williams

File no. 09-014294

L. J. SWERTFEGER, JR.

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Boulevard, Suite 100

Atlanta, GA 30341

(770)220-2535/CP

www.swertfeger.net

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

[FC-NOS]

No.5685

TR24-4-7741-7/2-5685

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF STEPHENS.

On June 20, 1997, Edith H. Gubler McCreadie, M.D. executed a Deed to Secure Debt With Power of Sale to The Bank of Toccoa n/k/a First Citizens Bank and Trust Company, Inc., successor by merger, securing a note of even date for Ninety-Seven Thousand and 00/100 Dollars ($97,000.00), said security deed being recorded in Deed Book 373, Pages 461-463, Stephens County Records. Said security deed conveyed the property hereinafter described.

By virtue of the power of sale contained in said security deed to The Bank of Toccoa n/k/a First Citizens Bank and Trust Company, Inc., successor by merger there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Stephens County Courthouse door in Toccoa, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in July, the same being July 7, 2009, the following described property:

All that tract or parcel of land together with improvements thereon lying and being in the 440th District, G.M., Stephens County, Georgia, CONTAINING 0.82 ACRE, more or less, and having such areas, courses, dimensions, directions, distances, metes, shapes and bounds as shown per plat of survey by Clelland A. Tyson, Registered Surveyor, No. 1515, dated December 15, 1988 revised December 27, 1991 and recorded in Plat Book 15, Page 431, in the office of the Clerk of Superior Court of Stephens County, Georgia, to which reference is made and the description and record thereof incorporated herein as part of this description by reference thereto.

The debt secured by said security deed and note has been and is hereby declared due and payable because of default for non payment as required by the note and security deed. The debt having been declared due and payable and remaining unpaid, and the terms in the note and security deed remaining in default, this sale will be made for the purpose of paying the principal, accrued interest and attorney’s fees pursuant to the note and security deed, plus all expenses of this sale.

Said property will be sold as the property of Edith H. Gubler McCreadie, M.D. and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale.

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Edith H. Gubler McCreadie, M.D.

The entity with full authority to negotiate, amend and modify all terms of the mortgage with Debtor is The Bank of Toccoa n/k/a First Citizens Bank and Trust Company, Inc., successor by merger P.O. Box 29, Columbia, SC 29202, Phone Number 803-931-8674.

The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to The Bank of Toccoa n/k/a First Citizens Bank and Trust Company, Inc, successor by merger.

Dated this 14th day of May, 2009. The Bank of Toccoa n/k/a First Citizens Bank and Trust Company, Inc., successor by merger

Attorney-in-fact for Edith H. Gubler McCreadie, MD

Brian C. Ranck

P. O. Box 1005

Toccoa, GA 30577

706-886-7533

Attorney for First Citizens Bank and Trust Company, Inc.

No.5679

TR24-4-6563-7/2-5679

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF STEPHENS.

On March 30, 2007, Kenneth L. Coleman executed a Deed to Secure Debt to Joseph Onda and Nancy Onda securing a note of even date for Four Hundred Thousand and No/100 Dollars ($400,000.00), said security deed being recorded in Deed Book 803, Pages 133-137, Stephens County Records. Said security deed conveyed the property hereinafter described.

By virtue of the power of sale contained in said security deed to Joseph Onda and Nancy Onda, there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Stephens County Government Building door in Stephens County, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in July, 2009, the same being July 7, 2009, the following described property:

All that tract or parcel of land, together with improvements thereon, situate, lying and being in the Toccoa District, GMD 440, Stephens County, Georgia in the City of Toccoa and being all of Tract One, comprising 0.82 acre, and all of Tract Two, comprising 0.71 acre, as shown on a plat prepared for Joseph Onda and Nancy Onda, by Clelland A. Tyson, Registered Surveyor, dated October 3, 1979 revised April 30, 1992 and recorded in Plat Book 15, Page 474, of the Stephens County, Georgia Plat Records, which plat is incorporated herein by reference for a more complete description of subject property.

Grantor herein further conveys all rights, title and interest in and to any Lease Agreements written or unwritten affecting subject property.

Said property is subject to all easements, covenants and restrictions of record, if any.

Said property will be sold as the property of Kenneth L. Coleman and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale.

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Kenneth L. Coleman.

The persons with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor are Joseph Onda and Nancy Onda, 550 David School Road, Martin, Georgia 30557, telephone number is (706) 356-2230.

The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to Joseph Onda and Nancy Onda.

Dated this 13th day of May, 2009.

Joseph Onda and Nancy Onda,

Attorneys-in-fact for

Kenneth L. Coleman

Janney E. Sanders

P.O. Box 1005

Toccoa, GA 30577

706/886-7533

S:\Janney Sanders\Foreclosures\Onda, Joseph & Nancy v. Coleman, Kenneth 26965-09\Foreclosure notice.doc

No.5680

TR24-4-6563-7/2-5680

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF STEPHENS.

On July 21, 2008, Richard Stratton executed a Deed to Secure Debt With Power of Sale to Habersham Bank securing a note of even date for Thirty-Six Thousand Seventy-Four and 50/100 Dollars ($36,074.50), said security deed being recorded in Deed Book 870, Pages 412-417, Stephens County Records. Said security deed conveyed the property hereinafter described.

By virtue of the power of sale contained in said security deed to Habersham Bank there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Stephens County Courthouse door in Toccoa, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in July, the same being July 7, 2009, the following described property:

All that tract or parcel of land situate, lying and being in the Toccoa (440) GMD, City of Toccoa, Stephens County, Georgia, containing 4.2 acres, lying on the south right of way of Mulkey Road, as set out on a plat of survey by M.B. Collier, County Surveyor, dated May 28, 1946, the description as contained therein being incorporated herein by reference, and being more particularly described as follows: beginning at an iron pin corner located at the South right of way of Mulkey Road adjacent to now or formerly Jordan property; thence running South 13 West 327 feet to an iron pin at a pine; thence running south 34 West 660 feet, more or less, to an iron pin on a branch; thence up the branch north 87 East 297 feet to a Poplar; thence running North 24 1/2 East 344 feet to center of gully; thence up the gully North 51 degrees East 47 feet, more or less, to a stake corner adjacent to now or formerly English property; thence running North 15 East 585 feet, more or less, to an iron pin at road; thence running along road North 78 1/4 West 175 1/2 feet to the beginning iron pin corner.

The above described property being the same as conveyed from Walbert M. Fleming to Leona E. Maxwell by Warranty Deed dated August 30, 1983, recorded in Deed Book 171, Page 695, Stephens County Records.

Said property will be sold as the property of Richard Stratton and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale.

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Richard Stratton.

The entity with full authority to negotiate, amend and modify all terms of the mortgage/security deed with Debtor is Habersham Bank, P.O. Box 1980, Cornelia, GA 30531, Phone Number 800-822-0316.

The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to Habersham Bank.

Dated this 4th day of June, 2009.

Habersham Bank, Attorney-in-fact

for Richard Stratton

Brian C. Ranck

P. O. Box 1005

Toccoa, GA 30577

706-886-7533

Attorney for Habersham Bank

No.5681

TR24-4-6563-7/2-5681

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NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF STEPHENS.

On May 10, 2006, Tommy C. Jamison, Tonya J. Hopper f/k/a Tonya L. Jamison executed a Deed to Secure Debt With Power of Sale to Habersham Bank securing a note of even date for One Hundred Fifty One Thousand One Hundred Sixty Four and 00/100 Dollars ($151,164.00), said security deed being recorded in Deed Book 759, Pages 257-261, Stephens County Records. Said security deed conveyed the property hereinafter described.

All that tract or parcel of land lying and being in the County of Stephens, State of Georgia, and in the 267th District, G.M., approximately four (4) miles Southeast of Toccoa, Georgia, and being described as follows: LOTS 13, 14 and 15, of the Terrell Smith Subdivision, each lot fronting fifty (50) feet on State Highway No. Seventeen (17), and running back same width as front, two hundred (200) feet, all according to plat and survey by M.B. Collier, County Surveyor, June 13, 1941, which plat is recorded in Plat Book 2, Page 66, in the Office of the Clerk of Superior Court of Stephens County, Georgia, which plat is referred to for a more definite description of the property herein conveyed.

The above described property being the same as that conveyed to Mrs. Glen Swilling a/k/a Alice B. Swilling from Cordie Bell Guest by Warranty Deed dated October 7, 1980, recorded in Deed Book 157, Page 416, Stephens County Records.

Said property will be sold as the property of Tommy C. Jamison and Tonya J. Hopper f/k/a Tonya L. Jamison and subject to outstanding ad valorem taxes and/or easements and/or restrictive covenants appearing of record, if any. The undersigned will comply with Georgia law, O.C.G.A. Section 44-14-162.2, prior to conducting the sale.

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Tommy C. Jamison and Tonya J. Hopper f/k/a Tonya L. Jamison.

The entity with full authority to negotiate, amend and modify all terms of the mortgage/security deed with Debtor is Habersham Bank, P.O. Box 1980, Cornelia, GA 30531, Phone Number 800-822-0316.

The undersigned will execute a deed to the purchaser at said sale as provided in the aforementioned deed to secure debt to Habersham Bank.

Dated this 4th day of June, 2009.

Habersahm Bank, Attorney-in-fact

for Tommy C. Jamison and Tonya J. Hoppoer f/k/a

Tonya L. Jamison

Sanders, Smith & Ranck, P.C.

P. O. Box 1005

Toccoa, GA 30577

706-886-7533

Attorney for Habersham Bank

No.5682

TR24-4-6563-7/2-5682

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Billie Jo Randall and David Randall to Mortgage Electronic Registration Systems, Inc. dated September 19, 2007 in the amount of $85,500.00, and recorded in Deed Book 828, Page 143, Stephens County, Georgia Records; as last transferred to First Horizon Home Loans, a division of First Tennessee Bank National Association by assignment; the undersigned, First Horizon Home Loans, a division of First Tennessee 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 July, 2009 , during the legal hours of sale, at the Courthouse door in Stephens 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 the 1647th GMD, Stephens County, Georgia and being Lot No. 684, Section One, Phase Three Lake Harbor Shores Subdivision as per plat of same prepared by Farley-Collins and Associates, Registered Surveyors, dated August 2, 1973 and recorded March 29, 1974 in Plat Book 7, Page 82 in the Office of the Clerk of the Superior Court of Stephens County, Georgia to which plat specific reference is made for a more particular description of said property.

Which has the property address of 211 Dogwood Trail, Martin, 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.

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

Said property will be sold as the property of Billie Jo Randall and David Randall 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.

First Horizon Home Loans,

a division of First Tennessee Bank

National Association

Attorney in Fact for

Billie Jo Randall and David Randall

Anthony DeMarlo, Attorney/smitchell

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

File No. 09-13735 /FNMA

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.

No.5689

TR24-4-10009-7/2-5689

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Jason Le to Mortgage Electronic Registration Systems, Inc. dated March 14, 2006 in the amount of $82,620.00, and recorded in Deed Book 750, Page 488, Stephens County, Georgia Records; as last transferred to IndyMac Federal Bank FSB by assignment; the undersigned, IndyMac Federal Bank FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in July, 2009 , during the legal hours of sale, at the Courthouse door in Stephens 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 situate, lying and being in the Toccoa (440) G.M.D., Stephens County, Georgia, lying on the South Right of Way of Colonia Drive, containing 0.25 Acre, and being known and designated as Tract 8 according to Plat of Survey for Marilyn Snyder by Kenneth V. Cash, R.S., dated May 6, 1999, recorded in Plat Book 16, page 521, Stephens County records, which Plat of Survey is incorporated herein by reference as part of this description.

The above described property is the same as that conveyed by Warranty Deed from Dwain Caudell, Steven D. Caudell and Laraine Caudell Fatherree f/k/a Joy Laraine Caudell to Marilyn L. Snyder dated May 28, 1999, recorded in Deed Book 440, Page 38, Stephens County records.

Which has the property address of 146 A&B Colonial Drive , Toccoa, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

Said property will be sold as the property of Jason Le 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.

IndyMac Federal Bank FSB

Attorney in Fact for

Jason Le

Anthony DeMarlo, Attorney/thayle

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

File No. 09-11573 /CONV

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.

No.5691

TR24-4-10009-7/2-5691

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Sammy L Blackwell to Mortgage Electronic Registration Systems, Inc. dated July 30, 2004 in the amount of $56,150.00, and recorded in Deed Book 669, Page 450, Stephens 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 July, 2009 , during the legal hours of sale, at the Courthouse door in Stephens 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 the City of Toccoa, Stephens County, Georgia, located on the South side of West Franklin Street, and more fully described as follows: Beginning at an iron pin corner on the South side of West Franklin Street next to property of Addison, said iron pin corner being 100 feet Northeast of the intersection of West Franklin Street and Alexander Street, and running thence along the right of way of West Franklin Street North 88 degrees 38 minutes East 100 feet to an iron pin corner next to property of Freeman; thence along the line of Freeman South 01 degrees 44 minutes East 160 an iron pin corner next to McCurry; thence along the line of McCurry South 88 degrees 88 minutes West 100 feet to an iron pin corner; thence along the line of McCurry and Addison North 01 degree 44 minutes West 160 feet to the beginning iron pin corner, and containing 0.36 acre, according to a plat and survey by Clelland A. Tyson, Registered Surveyor, dated August 24, 1972.

Which has the property address of 119 West Franklin Street , Toccoa, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

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

Nationstar Mortgage LLC

Attorney in Fact for

Sammy L Blackwell

Anthony DeMarlo, Attorney/cyeats

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

File No. 09-00861 /FNMA

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.

No.5693

TR24-4-10009-7/2-5693

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Florice A. Coiro and Joseph V. Lanuto to Mortgage Electronic Registration Systems, Inc. dated January 25, 2006 in the amount of $165,000.00, and recorded in Deed Book 743, Page 453, Stephens County, Georgia Records; as last transferred to CitiMortgage, Inc. by assignment; the undersigned, CitiMortgage, Inc. pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in July, 2009 , during the legal hours of sale, at the Courthouse door in Stephens 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 the Big Smith District, 215th GMD, Stephens County, Georgia and being Lot 10, Block A, Unit 1, Shorewood Estates and Camping Club Subdivision per plat recorded in Plat Book 6, Page 29, Stephens County, Georgia and which plat by reference thereto is incorporated.

Which has the property address of 753 Shorewood Circle, Toccoa, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

Said property will be sold as the property of Florice A. Coiro and Joseph V. Lanuto and the proceeds of said sale will be applied to the payment of said indebtedness, the expense of said sale, all as provided in said deed, and the undersigned will execute a deed to the purchaser as provided in the aforementioned Security Deed.

CitiMortgage, Inc.

Attorney in Fact for

Florice A. Coiro and Joseph V. Lanuto

Anthony DeMarlo, Attorney/smagnuson

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

File No. 08-26993 /FHLMC

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.

No.5694

TR24-4-10009-7/2-5694

gpn11

NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS 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 Lucinda M. Henson to First Citizens Bank and Trust Company, Inc., dated October 10, 2006, recorded in Deed Book 781, Page 46, Stephens County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED TWELVE THOUSAND FIVE HUNDRED AND 0/100 DOLLARS ($112,500.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: First Citizens, PO Box 11757, Columbia, SC 29211, 803-733-2745. 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 Lucinda M. Henson or a tenant or tenants and said property is more commonly known as 101 Manor Oaks, Toccoa, Georgia 30577.

First Citizens Bank and Trust Company, Inc.

as Attorney in Fact for

Lucinda M. Henson

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/kam 7/7/09

Our file no. 5531209-FT2

EXHIBIT “A”

All that tract or parcel of land situate, lying and being in the 440th G.M.D., Stephens County, Georgia and being designated as a portion of Lot 1 of Manor Oaks Subdivision, containing 0.59 acre as per plat of survey Lucinda M. Henson by Bartlett & Cash Land Surveyors, Inc., dated September 19, 2006 as recorded in Plat Book 17, Page 485C Office of the Clerk of Superior Court, Stephens County, Georgia. The description as contained therein being incorporated herein by reference.

MR/kam 7/7/09

Our file no. 5531209 - FT2

No.5695

TR24-14507-4-7/2-5695

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS 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 Deborah Ann Schildbach to Mortgage Electronic Registration Systems, Inc., dated September 14, 2005, recorded in Deed Book 727, Page 49, Stephens County, Georgia Records, as last transferred to HSBC Bank USA, National Association, as Trustee for NHEL Home Equity Loan Trust, Series 2006-WF1 . by assignment to be recorded in the Office of the Clerk of Superior Court of Stephens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED NINETY-FOUR THOUSAND AND 0/100 DOLLARS ($194,000.00), 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 Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Deborah Ann Schildbach or a tenant or tenants and said property is more commonly known as 531 Jim Dodd Rd, Mount Airy, Georgia 30563.

HSBC Bank USA, National Association, as Trustee for NHEL Home Equity Loan Trust, Series 2006-WF1 .

as Attorney in Fact for

Deborah Ann Schildbach

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/tmp 7/7/09

Our file no. 51195309-FT5

EXHIBIT “A”

All that tract or parcel of land together with improvements thereon lying and being in Land Lots 143 and 131 of the Twelfth Land District, Stephens County, Georgia containing 2.69 acres, more or less, located off of the northeasterly side of the right of way of Jim Dodd Road and being more particularly shown and designated as Tract One (1) containing 1.69 acres and Tract Two (2) containing 1.00 acre on plat of survey for Robert Schildbach by Russell N. Bartlett, Registered Land Surveyor, dated April 22, 1987, recorded in Plat Book 13, Page 217, Stephens County records, which plat of survey is incorporated herein by reference as part of this description.

Also conveyed is a perpetual non-exclusive easement for ingress-egress and utilities over, through and across “20 feet drive easement” shown on Bartlett plat of survey reference herein.

Property described herein is the same as that conveyed by warranty deed from Deborah Garroutte to Robert F. Schildbach and Deborah Ann Schildbach dated June 12, 1987, recorded in Deed Book 202, Page 615, Stephens County records and by warranty deed from Selma Gwinnett Pettyjohn to Robert F. Schildbach and Deborah Ann Schildbach dated June 12, 1987, recorded in Deed Book 202, Page 614, Stephens County records.

This conveyance is made under authority of order for leave to Encumber issued by Stephens County, Georgia Probate Court on August 23, 2005 in Case No. 9954 with a record thereof being in Minute Book 39, Pages 257-259, of said court.

MR/tmp 7/7/09

Our file no. 51195309 - FT5

No.5696

TR24-4-14507-7/2-5696

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS 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 Becki W. Fowler aka Becki L. Fowler and Michael A. Fowler to Guy H. Griswell d/b/a Currahee Financial Group, dated May 19, 1999, recorded in Deed Book 439, Page 225, Stephens County, Georgia Records, as last transferred to Chase Manhattan Mortgage Corporation by assignment recorded in Deed Book 448, Page 40, and as re-recorded in Deed Book 478, Page 383, Stephens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of FORTY-EIGHT THOUSAND FOUR HUNDRED FIFTY AND 0/100 DOLLARS ($48,450.00), 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 Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Chase Home Finance LLC, 3415 Vision Drive, Columbus, OH 43219, 800-446-8939. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Michael A. Fowler and Becki L. Fowler or a tenant or tenants and said property is more commonly known as 101 Whispering Woods Road, Martin, Georgia 30557.

Chase Home Finance LLC sbm Chase Manhattan Mortgage Corporation

as Attorney in Fact for

Becki W. Fowler aka Becki L. Fowler and Michael A. Fowler

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/vn1 7/7/09

Our file no. CENF-00-00003-FT7

EXHIBIT “A”

All that tract or parcel of land situate, lying and being in the Martin (1647) G.M.D., Stephens County, Georgia, containing 1.15 acres lying on the Southwest right-of-way of Whispering Woods Road, being known and designated as a Portion of Lot 45, Seven Forks Crossing Subdivision, Phase II, on a plat of survey for Mike and Becki Fowler by Michael J. Smith, R.S. dated July 6, 1998 recorded in Plat Book 16, Page 374, Stephens County Records, the description as contained therein being incorporated herein by reference and being more particularly described as follows: Beginning at an iron pin set on the Southwest right-of-way of Whispering Woods Road adjacent to now or formerly Weeks property North 65 degrees 28 minutes West 236.99 feet from the intersection of the centerline of Whispering Woods Road with the centerline of Seven Forks Road; thence running from the beginning iron pin set along now or formerly Weeks property South 19 degrees 01 minutes West 207.01 feet to an iron pin set and North 82 degrees 30 minutes West 156.94 feet to a point adjacent to Lot 44 on the plat above described thence running along Lot 44 North 00 degrees 32 minutes East 296.27 feet to an iron pin set on the Southwest right-of-way of Whispering Woods Road; thence running along the Southwest right of way of Whispering Woods Road South 71 degrees 18 minutes East 41.82 feet, South 63 degrees 10 minutes East 41.88 feet, South 59 degrees 49 minutes east 64.98 feet and South 57 degrees 15 minutes east 103.63 feet to the beginning iron pin set.

The above described property being the same as conveyed from Jesse W. Weeks and Shirley A. Weeks to Michael A. Fowler and Becki L. Fowler by Warranty Deed dated July 23, 1998, recorded in deed Book 407, Page 133, Stephens County Records.

AND ALSO. All that tract or parcel of land situate, lying and being in the Martin (1647) G.M.D. Stephens County, Georgia, lying off the Southwest right-of-way of Whispering Woods Road, being known and designated as a portion of Lot 45, Seven Forks Crossing Subdivision, Phase II, on a plat of survey for Mike and Becki Fowler by Michael J. Smith, R. S., dated June 30, 1998, as revised September 14, 1998, and recorded in Plat Book 16, Page 409, Stephens county Records, the description as contained herein being incorporated herein by reference, and being more particularly described as follows: To find the beginning iron pin set, commence at an iron pin set on the Southwest right-of-way of Whispering Woods Road adjacent to now or formerly Weeks property North 65 degrees 28 minutes West 236.99 feet from the intersection of the centerline of Whispering Woods Road with the centerline of Seven Forks Road; thence running from the iron pin set along now or formerly Weeks property South 19 degrees 01 minute West 207.01 feet to an iron pin set, which is the BEGINNING IRON PIN SET; thence running from the BEGINNING IRON PIN SET along now or formerly Weeks property South 02 degrees 21 minutes East 112.05 feet to an iron pin set and South 02 degrees 32 minutes West 75.88 feet to an iron pin set adjacent to Lot 46 on the plat above described; thence running along Lot 46 North 85 degrees 36 minutes West 159.14 feet to an iron pin found adjacent to Lot 44 on the plat above described; thence running along Lot 44 North 00 degrees 32 minutes East 83.84 feet to an iron pin set and North 00 degrees 32 minutes East 112.21 feet to a point adjacent to now or formerly Fowler property; thence along now or formerly Fowler property South 82 degrees 30 minutes East 156.94 feet to the BEGINNING IRON PIN SET.

The above described property being the same as conveyed from Jesse W. Weeks and Shirley A. Weeks to Michael A. Fowler and Becki L. Fowler by Warranty Deed dated September 23, 1998, recorded in Deed Book 414, Page 289, Stephens County Records.

MR/vn1 7/7/09

Our file no. CENF-00-00003 - FT7

No.5697

TR24-4-14507-7/2-5697

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS 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 Calvin Todd Smith and Ashley Dawn Smith to Mortgage Electronic Registration Systems, Inc., dated August 17, 2007, recorded in Deed Book 824, Page 455, Stephens County, Georgia Records, as last transferred to Chase Home Finance LLC by assignment to be recorded in the Office of the Clerk of Superior Court of Stephens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTEEN THOUSAND SEVEN HUNDRED FIFTY AND 0/100 DOLLARS ($117,750.00), 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 Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, 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).

To the best knowledge and belief of the undersigned, the party in possession of the property is Calvin Todd Smith and Ashley Dawn Smith or a tenant or tenants and said property is more commonly known as 4406 Hope Rd, Toccoa, Georgia 30577.

Chase Home Finance LLC

as Attorney in Fact for

Calvin Todd Smith and Ashley Dawn Smith

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/rk2 7/7/09

Our file no. 51368009-FT3

EXHIBIT “A”

All that tract or parcel of land situate, lying and being in the 1473rd G.M.D., Stephens County, Georgia and containing 1.00 acre located on New Hope Road (County road no. 133) as per Plat of survey for Curtis Griffin and Misti Griffin by Kenneth V. Cash, registered surveyor, dated June 12, 1996 and recorded in Plat Book 16, Page 40, office of the clerk of superior court, Stephens County, Georgia. The description as contained therein being incorporated herein by reference.

The above described property being the same as that conveyed by Warranty Deed from Karen C. Molinaro, Jonathan B. Pressley and Windy Pressley to Molinaro Family Revocable Trust dated August 30, 2001, recorded in deed book 778, Page 254, Stephens County records.

MR/rk2 7/7/09

Our file no. 51368009 - FT3

No.5698

TR24-4-14507-7/2-5698

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS 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 Mark R Spence to Mortgage Electronic Registration Systems, Inc., dated May 2, 2008, recorded in Deed Book 856, Page 348, Stephens County, Georgia Records, as last transferred to Wells Fargo Bank, NA by assignment recorded in Deed Book 894, Page 4, Stephens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED THIRTY-SEVEN THOUSAND SIX HUNDRED FIFTY AND 0/100 DOLLARS ($237,650.00), 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 Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

To the best knowledge and belief of the undersigned, the party in possession of the property is Mark R Spence or a tenant or tenants and said property is more commonly known as 1655 E Tugalo St, Toccoa, Georgia 30577.

Wells Fargo Bank, NA

as Attorney in Fact for

Mark R Spence

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/lxk 7/7/09

Our file no. 5678409-FT5

EXHIBIT “A”

All that tract or parcel of land together with improvements thereon situate, lying and being in the Toccoa (440) GMD, City of Toccoa, Stephens County, Georgia, containing 2.57 acres lying on the north right of way of east Tugalo Street, as set out on a plat of survey for G. Shane Smith by G. Brian Slate, R.S., dated May 18, 1995, recorded in Plat Book 15, Page 866, Stephens County records, the description as contained therein being incorporated herein by reference as part of this description.

MR/lxk 7/7/09

Our file no. 5678409 - FT5

No.5699

TR24-4-14507-7/2-5699

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NOTICE OF SALE UNDER POWER

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

U nder and by virtue of the Power of Sale contained in a Security Deed given by Chuck Brently Burnette to Primary Capital Advisors LC, dated February 25, 2002, recorded in Deed Book 543, Page 255, Stephens County, Georgia Records, as last transferred to Wells Fargo Bank, NA sbm Wells Fargo Home Mortgage,Inc by assignment recorded in Deed Book 550, Page 131, Stephens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of EIGHTY-TWO THOUSAND FOUR HUNDRED FIFTY AND 0/100 DOLLARS ($82,450.00), 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 Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, 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 attorneys fees (notice of intent to collect attorneys fees having been given).

Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Chuck Brently Burnette or a tenant or tenants and said property is more commonly known as Rt 2 Box 2331, Toccoa, Georgia 30577. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Wells Fargo Bank, NA sbm Wells Fargo Home Mortgage,Inc

as Attorney in Fact for

Chuck Brently Burnette

McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net

MR/sxk1 7/7/09 Our file no. 51127505-FT7

EXHIBIT “A”

All that tract or parcel of land together with improvements thereon lying and being in the Big Smith (215) G.M.D., Stephens County, Georgia, containing 6.04 acres, more or less located off of the Southwesterly side of the right of way of County Road No. 64 and being designated as Tract No. 2-B on plat of survey for David Hoard by Kenneth V. Cash Registered Land Surveyor, dated February 24, 1995, revised May 9, 1995, recorded in Plat Book 15, Page 867, of the Stephens County Records, which plat of survey is incorporated herein by reference as part of this description.

Also conveyed herein is a perpetual non-exclusive easement for public road access ingress and egress over through and across “10” wide easement” running in a Westerly direction from the right of way of County Road No. 64 and over through and across “20” wide easement” running in a Northerly direction along mutual boundary between Tract No. 1 and Tract No. 2-B as shown on Cash plat of survey referenced herein, both of said easements being shown on Cash survey plat referenced herein. This conveyance is made subject to right of way of others in and to the use of said easements. This conveyance includes and is subject to rights and obligations provided in Agreement for Development and Maintenance of Joint Driveway dated March 4, 1993, recorded in Deed Book 281, Page 134-137, Stephens County records.

Property described herein and conveyed hereby being a portion of that conveyed by Warranty Deed from Del-Jac, Inc., to B. David Hoard and Renee A. Hoard dated October 4, 1993, recorded in Deed Book 294, Page 134, Stephens County Records, with “40” wide easement” referenced and conveyed herein having been appurtenant to said conveyance. ***IF Notice given TF***

MR/sxk1 7/7/09 Our file no. 51127505 - FT7

No.5700

TR24-4-14507-7/2-5700

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS 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 Kevin Allen to Mortgage Electronic Registration Systems, Inc., dated April 9, 2002, recorded in Deed Book 549, Page 153, Stephens County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP. by assignment to be recorded in the Office of the Clerk of Superior Court of Stephens County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of SIXTY-NINE THOUSAND EIGHT HUNDRED FORTY AND 0/100 DOLLARS ($69,840.00), 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 Stephens County, Georgia within the legal hours of sale on the first Tuesday in July, 2009, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Bank of America, 2270 Lakeside Blvd, Richardson, TX 75082, 1-888-219-7773. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument.

To the best knowledge and belief of the undersigned, the party in possession of the property is Kevin Allen or a tenant or tenants and said property is more commonly known as 569 Hilltop Lane, Toccoa, Georgia 30577.

BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP.

as Attorney in Fact for

Kevin Allen

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mnr 7/7/09

Our file no. 51289509-FT4

EXHIBIT “A”

All that tract or parcel of land lying and being in the 440th District, G. M., of the State of Georgia , County of Stephens, and known as the B. F. Bruce Subdivision in the original Collins Tract and being all of Lot No. Seventeen (#17), all according to Plat and survey by O.F. Smith, R. S., March 29, 1954. Reference being made to said Plat and survey, and made a part of this description. It is agreed that there is reserved a 10 foot strip off the rear of said Lot; which is to be used as a public alley.

Being a portion of the property conveyed by Chandler G. Collier, to B. F. Bruce by warranty deed dated March 12, 1954, which deed is recorded in Deed Book 58, Page 283, in the office of the clerk of superior court, Stephens County, Georgia. Being also a portion of the property conveyed by B.F. Bruce to David J. Rice by warranty deed dated April 3, 1954, which deed is recorded in Deed Book 58, Page 304 in the office of the clerk of superior court, Stephens County, Georgia. Being also the same property conveyed by warranty. Deed from David J. Rice to Charles H. Carswell , Jr. November 19, 1954, and recorded in Deed Book 58, Page 470, in the office of the clerk of Superior Court, Stephens County, Georgia.

Said premises has a five-room brick veneer dwelling situated thereon.

MR/mnr 7/7/09

Our file no. 51289509 - FT4

No.5701

TR24-4-14507-7/2-5701

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NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS COUNTY

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

Under and by virtue of the Power of Sale contained in a Security Deed given by John M. Pyne and La Donna J. Pyne to Guy M. Griswell d/b/a Currahee Financial, dated July 1, 1998, recorded in Deed Book 405, Page 353, Stephens County, Georgia Records, as last transferred to Chase Manhattan Mortgage Corporation by assignment recorded in Deed Book 419, Page 311, Stephens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIX THOUSAND FOUR HUNDRED AND 0/100 DOLLARS

MISCELLANEOUS

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NOTICE

GEORGIA, STEPHENS COUNTY

PROBATE COURT

TO: Dawn Ivester King has petitioned to be appointed Administrator(s) of the estate of Troy Ivester, 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. Section 53-12-232.) 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 July 13, 2009. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

GLENDA S. ERNEST

PROBATE JUDGE

BY: CINDY SIMMONS

PROBATE CLERK/DEPUTY CLERK

70 N. ALEXANDER ST.

ROOM 108

TOCCOA, GA 30577

ADDRESS

706-886-2828

TELEPHONE NUMBER

No.5711

TR25-4-15881-7/9-15881-5711

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NOTICE

GEORGIA, STEPHENS COUNTY

PROBATE COURT

TO: (any heir whose current address is unknown) JOHN EVANS WALKER, JR., AND BRANDON LEWIS WALKER WHOSE ADDRESSES ARE UNKNOWN.

Bessie Thornton has petitioned to be appointed Administrator(s) of the estate of John Evans Walker, deceased, of said County. All interested parties are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the court on or before July 13, 2009. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

GLENDA S. ERNEST

PROBATE JUDGE

BY: CINDY SIMMONS

PROBATE CLERK

70 NORTH ALEXANDER STREET, ROOM 108

TOCCOA, GEORGIA 30577

ADDRESS

706-886-2828

TELEPHONE NUMBER

No.5718

TR25-4-6563-7/9-5718

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NOTICE

(For Discharge from Office and all Liability)

PROBATE COURT OF STEPHENS COUNTY

RE: PETITION OF PATRICIA (PAT) TAYLOR FOR DISCHARGE AS ADMINISTRATOR OF THE ESTATE OF ODESSA RUENELL TAYLOR, DECEASED.

TO: ALL AND SINGULAR THE HEIRS OF SAID DECEDENT, THE BENEFICIARIES UNDER THE WILL, AND TO WHOM IT MAY CONCERN:

This is to notify you to file objection, if there is any, to the above referenced petition, in this Court on or before June 29, 2009.

BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objections. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

GLENDA S. ERNEST

PROBATE JUDGE

BY: CINDY SIMMONS

PROBATE CLERK

70 N. ALEXANDER ST.

TOCCOA, GA 30577

ADDRESS

706-886-2828

TELEPHONE NUMBER

No.5722

TR25-1-9986-7/9-5722

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NOTICE OF APPLICATION FOR MALT BEVERAGES AND/OR WINE LICENSE

Pursuant to Section 7 of Stephens County Ordinance 93-2, notice is given that Nav Kamal has applied for a license for the premises located at 4146 West Currahee St., Toccoa, GA 30577. If applicable, the person for whom the application is submitted id Royal Food 93.

This 10 day of June, 2009.

STEPHENS COUNTY BOARD OF COMMISSIONERS

No.5713

TR25-4-PP-7/9/2009-5713

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IN THE SUPERIOR COURT OF STEPHENS COUNTY

STATE OF GEORGIA

RHONDA JEAN HOLLOWAY

PLAINTIFF

ROBERT FRANCES HOLLOWAY

DEFENDANT

CIVIL ACTION NO. 09-SU-CV-348C

NOTICE OF PUBLICATION

By Order for service by publication dated the 22nd day of June, 2009 you are hereby notified that on the 17th day of

April 2009, Rhonda Jean Holloway filed suit against you for a divorce.

You are required to file with the Clerk of the Superior Curt and to serve upon plaintiff’s attorney, an answer in writing within sixty (60) days of the date of the order for publication.

WITNESS, the Honorable ________, Judge of this Superior Court.

This the 22nd day of June, 2009.

TIMOTHY D QUICK

DEPUTY CLERK, SUPERIOR COURT

No.5723

TR26-3-PP-7/9-5723

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REQUEST FOR PROPOSALS

Sealed Proposals will be received by the City of Toccoa, Georgia (the Owner) at the Municipal Building, 3rd Floor Office of the Water/Wastewater Utility Director, 203 North Alexander Street, Toccoa, Georgia 30577, until 4:30 P.M. local time on the 27th day of July, 2009, for the construction of a Surge Tank at the Toccoa Water Treatment Plant in the City of Toccoa, Stephens County, Georgia. Proposals received after the designated time will not be considered. The bids shall be unsealed at a Public Meeting of the Toccoa City Commission at 5 p.m. on the 27th day of July, 2009.

The Contractor’s Proposal will include the furnishing of all labor, materials, equipment, and all things necessary pursuant to Drawings, Specifications and Conditions, etc., for the installation of a surge tank at the existing Water Treatment Plant located of Falls Road, Toccoa, Georgia.

The Project includes installing a new surge tank and concrete pad at the Toccoa Water Treatment Facility and performing the associated electrical and control system updates to accommodate the two new pumps. Contract Documents are available for review at The City of Toccoa Water/Wastewater Department (706-282-3305; 706-886-8451) beginning Friday, June 19th, 2009. A complete set of Toccoa Water Treatment Plant Surge Tank specifications, drawings and requirements are also available for review at that location, and copies of same shall be provided at a cost of $25.00. The price of the copy is non-refundable.

All bidders shall submit the following, all forms contained within:

Proposal, Bid Bond, Performance Bond, Certification of Examination of Plans and Specifications, and Certification of Non-Collusion.

No Proposal will be considered unless accompanied by a certified check or acceptable Bid Bond in the amount of five percent (5%) of the bid and made payable to the City of Toccoa.

All bids must be made out on the separate proposal form furnished with the Contract Documents in accordance with the instructions in the Instructions to Bidders. No interlineations, additions or deletions shall be made in the Proposal form by the bidder.

Successful Bidder shall be required to furnish a Contract Performance Bond and a Payment Bond, each equal to 100% of the Contract Price, and furnish satisfactory proof of carriage of the insurance required. No bidder may withdraw his bid within 30 days after the actual date of the opening thereof.

The Owner reserves the right, with or without notice or cause to accept any bid regardless of the amount thereof; to reject any bid, any number of bids or all bids; to negotiate with any bidder for a reduction or alteration in its bid; to waive or insist upon formal requirements; to reject all bids and to call for additional bids upon the same or different Invitation to Bid and/or Plans and Specifications; to be the sole judge, in its discretion, of all questions as to whether or not a bid complies with the Invitation to Bid, the Plans or the Specifications, and as to the qualifications of a bidder to perform the Contract.

Bidders shall inform themselves concerning Georgia laws and comply with same.

The successful bidder shall commence work with adequate force and equipment on a date to be specified in a written order of the Owner (Anticipated Notice to Proceed — August 1, 2009), and shall complete the work within one hundred eighty (180) consecutive calendar days from and including said date. Payment shall be made to the contractor each calendar month based on the estimated work complete in place. Retainage as prescribed by the standard specifications will be withheld. Retainage may be deposited in escrow will not be made until the City of Toccoa certifies that the work has been satisfactorily completed and accepted.

PROPOSALS MUST BE SUBMITTED TO:

The City of Toccoa

203 N. Alexander Street

Toccoa, Georgia 30577

Attn: Donald E. Dye

No.5724

TR26-1-6555-7/2-14041-5724

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NOTICE

Notice is given that Articles of Incorporation that will incorporate KGR ENTERPRISES, Inc. have been delivered to the Secretary of State for filing in accordance with the Georgia Business Corporation Code. The initial registered office of the corporation is located at 196 Magnolia Point, Martin, GA 30557 and the initial registered agent at such address is Walter Mark Randall.

No.5726

TR26-2-PP-7/9/9-5726

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NOTICE OF PUBLIC HEARING

In accordance with section 12-8-24(D) of the Georgia Comprehensive Solid Waste Management Act, as amended, Stephens County will hold a public hearing regarding the issuance of a permit for the proposed WilBros LLC Organic Recovery located at 6212 Rose Lane, Toccoa, Georgia. The hearing will be held on Thursday August 6, 2009 at 8:00 AM to receive citizen input on the proposed private commercial composting facility. The public hearing will be held at 70 North Alexander St., Toccoa, Georgia 30577, in the Grand Jury Room.

No.5727

TR26-2-PP-7/9/9-5727

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NOTICE

GEORGIA, STEPHENS COUNTY

PROBATE COURT

TO: WHOM IT MAY CONCERN

JOAN LAWSON has petitioned to be appointed Administrator(s) of the estate of Deloree Goss Lawson, 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. Section 53-12-232.) 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 July 27th, 2009. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

GLENDA S. ERNEST

PROBATE JUDGE

BY: CINDY SIMMONS

PROBATE CLERK

7- N. ALEXANDER ST.

TOCCOA, GA 30577

ADDRESS

706-886-2828

TELEPHONE NUMBER

No.5728

TR26-4-PP-7/23/9-5728

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NOTICE

GEORGIA, STEPHENS COUNTY

PROBATE COURT

TO: WHOM IT MAY CONCERN

The petition of Joy Jewell-Murray or a year’s support from the estate of Raymond Edward Murray, deceased, for decendent’s surviving spouse having been duly filed, all interested persons are hereby notified to show cause, if any they have, on or before July 28, 2009, 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 on or before the time stated in the preceding sentence. 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 your 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.

GLENDA S. ERNEST

PROBATE JUDGE

BY: CINDY SIMMONS

PROBATE CLERK

205 NORTH ALEXANDER ST., ROOM 108

TOCCOA,GA 30577

706-886-2828

TELEPHONE

No.5729

TR26-4-6563-7/23-5729

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NOTICE

GEORGIA, STEPHENS COUNTY

PROBATE COURT

TO: (any heir whose current address is unknown)

JERRY HOLLAND has petitioned to be appointed Administrator(s) of the estate of Margaret Holland, 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. Section 53-12-232.) 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 July 28, 2009. All pleadings/objections must be signed before a notary public or before a probate court clerk, and filing fees must be tendered with your pleadings/objections, unless you qualify to file as an indigent party. Contact probate court personnel at the following address/telephone number for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be granted without a hearing.

GLENDA S. ERNEST

PROBATE JUDGE

BY: DIANE WHITAKER

DEPUTY CLEREK

70 N. ALEXANDER ST., ROOM 108

TOCCOA, GA 30577

ADDRESS

706-886-2828

TELEPHONE NUMBER.

No.5731

TR26-4-PP-7/23/09-5731

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JURY LIST

A total of 50 Stephens County residents have been selected for possible jury duty in the July 6, 2009, criminal term of Superior Court, with the Hon. James E. Cornwell presiding.

They are Michael R. Addison, Larry Allgood III, John F. Anderson, Adam R. S. Bainey, Clyde Baker, Patricia F. Baldwin, Matthew L. Barrett, William Bohannon, Joshua R. Brady, Dena R. Brawner, Heather D. Broome, Ratima D. Brown, Walter E. Brown, Joni M. Byrd, James M. Canady, Allison Cochran, Gayle T. Davis, Todd A. Doody, Mavis E. Dooley, David A. Duerr, Daniel L. Ensminger, William K. Garmon.

Also, Lisa M. Gettys, Deborah E. Gholston, James W. Green, Timothy K. Holden, Myrtelina A. Hower, Kimberly H. Hudgins, Edward J. Johnson, William J. Kiser Jr., Laura A. Labadie, Frank T. Martin, Reed McCroskey, Alexandra M. Moore, Shirley R. Neiman, Cecil Nicholson Jr., Chad C. Payne, Timothy Pittman, Dois Jean Randall, Connie Rice, Adrian L. Sheriff, Karl M. Smith, Frederick R. Snyder, Jennifer D. Spencer, Tracy L. Vreeland, Rose Ann Watson.

Also, Pamela E. Wilkinson, Charlotte C. Windue, Carl D. Wood and Robert D. Wood.

7/2/9

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NOTICE OF PUBLIC AUCTION:

HADDOCK SELF-STORAGE

469 OAK VALLEY ROAD

TOCCOA, GA 30577

706-886-7722

Because of default in payment, the following unit/units will be sold on: SATURDAY, JULY 11,2009 AT 11:00 A.M.

UNIT #B16 (10X10) JENNIFER BROCK

UNIT #A23 (10X10) BRENDA GRAGG

UNIT#X006 (10X10) JAMES THOMPSON

UNIT #C23 (10X10) CARRIE BUENTELLO

UNIT #B12 (10X10) BOBBY COURTNEY

UNIT #B13 (10X10 TIMIKA FIGUEROA

UNIT #B29 (5X10) COLEY JONES

UNIT #A29 (10X15) CHAROMON KENDRICK

UNIT #B7 (10X10) KATIE FOWLER

7/2/9

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