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3-14-2012 Legal advertisements
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Foreclosures

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ARCENEAUX

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated July 21, 2001, from JO ANN ARCENEAUX, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 513, Page 624 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated July 21, 2001, from JO ANN ARCENEAUX, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $7065.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0065E (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 36, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by JO ANN ARCENEAUX.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for JO ANN ARCENEAUX.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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BRADSHAW

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated April 4, 2008, from NELSON BRADSHAW JR, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 846, Page 538 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated April 4, 2008, from NELSON BRADSHAW JR, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $3885.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 00020 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 17, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by NELSON BRADSHAW JR.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for NELSON BRADSHAW JR.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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BROWN

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated June 23, 2006, from DALE E BROWN and DEBRA S BROWN and JEREMY BROWN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume-, Page - in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated June 23, 2006, from DALE E BROWN and DEBRA S BROWN and JEREMY BROWN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $13137.21, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0031 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 45, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by DALE E BROWN and DEBRA S BROWN and JEREMY BROWN.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for DALE E BROWN and DEBRA S BROWN and JEREMY BROWN.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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CARTER

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated February 27, 2011, from MARTREZ CARTER , to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 951, Page 414 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated February 27, 2011, from MARTREZ CARTER , to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $7370.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 00020 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 44, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by MARTREZ CARTER .

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for MARTREZ CARTER .

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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CATALAN

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated November 11, 2009, from HUGO CATALAN and CARLA CATALAN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 907, Page 761 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated November 11, 2009, from HUGO CATALAN and CARLA CATALAN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $5396.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0077 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 07, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by HUGO CATALAN and CARLA CATALAN.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for HUGO CATALAN and CARLA CATALAN.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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CELESTIN

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated December 26, 2008, from RODELIN J CELESTIN and NATHALIE A. LAROSE, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 874, Page 349 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated December 26, 2008, from RODELIN J CELESTIN and NATHALIE A. LAROSE, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $6630.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0073 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 07, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by RODELIN J CELESTIN and NATHALIE A. LAROSE.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for RODELIN J CELESTIN and NATHALIE A. LAROSE.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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DUPLESSIS

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated October 22, 2010, from GISELE M DUPLESSIS and TGEORGE DUPLESSIS, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume -, Page - in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated October 22, 2010, from GISELE M DUPLESSIS and TGEORGE DUPLESSIS, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $1363.39, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0017 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 33, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by GISELE M DUPLESSIS and TGEORGE DUPLESSIS.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for GISELE M DUPLESSIS and TGEORGE DUPLESSIS.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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FORRESTER

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated January 14, 2010, from JOHN D. FORRESTER and ZADA A. FORRESTER, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 936, Page 944 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated January 14, 2010, from JOHN D. FORRESTER and ZADA A. FORRESTER, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $7778.71, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0057 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 41, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by JOHN D. FORRESTER and ZADA A. FORRESTER.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for JOHN D. FORRESTER and ZADA A. FORRESTER.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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GRIFFIN

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated June 27, 2009, from JOHN GRIFFIN II and THERESA GRIFFIN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 893, Page 566 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated June 27, 2009, from JOHN GRIFFIN II and THERESA GRIFFIN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $5396.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0077 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 02, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by JOHN GRIFFIN II and THERESA GRIFFIN.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for JOHN GRIFFIN II and THERESA GRIFFIN.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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GULLEDGE

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated May 28, 2008, from VINCENT GULLEDGE and DEBORAH GULLEDGE, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 854, Page 045 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated May 28, 2008, from VINCENT GULLEDGE and DEBORAH GULLEDGE, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $11264.42, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. PG0127 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 48, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by VINCENT GULLEDGE and DEBORAH GULLEDGE.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for VINCENT GULLEDGE and DEBORAH GULLEDGE.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

4C-3-28-2012

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HAGLER

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated November 15, 2009, from ELIZABETH HAGLER, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 915, Page 270 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated November 15, 2009, from ELIZABETH HAGLER, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $5396.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0076 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 50, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by ELIZABETH HAGLER.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for ELIZABETH HAGLER.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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HALL

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated July 18, 2009, from JESSIE EARL HALL and REGINA HALL, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 898, Page 355 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated July 18, 2009, from JESSIE EARL HALL and REGINA HALL, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $4610.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 00570 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 48, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by JESSIE EARL HALL and REGINA HALL.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for JESSIE EARL HALL and REGINA HALL.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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JEFFERSON

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated April 13, 2011, from MATTHEW JEFFERSON and JASLYN JEFFERSON, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 955, Page 65 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated April 13, 2011, from MATTHEW JEFFERSON and JASLYN JEFFERSON, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $5691.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 00370 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 01, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by MATTHEW JEFFERSON and JASLYN JEFFERSON.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for MATTHEW JEFFERSON and JASLYN JEFFERSON.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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KING

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated May 4, 2008, from GREGORY M KING and FELICIA D SMITH, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 853, Page 328 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated May 4, 2008, from GREGORY M KING and FELICIA D SMITH, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $3885.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0047E (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 08, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by GREGORY M KING and FELICIA D SMITH.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for GREGORY M KING and FELICIA D SMITH.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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MANSON

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated July 23, 2008, from KELVIN A MANSON and LASHAWN HOFFMAN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 861, Page 999 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated July 23, 2008, from KELVIN A MANSON and LASHAWN HOFFMAN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $5712.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 00050 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 06, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by KELVIN A MANSON and LASHAWN HOFFMAN.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for KELVIN A MANSON and LASHAWN HOFFMAN.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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MILLER

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated June 14, 2001, from THOMAS J MILLER and MARY A MILLER, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 509, Page 728 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated June 14, 2001, from THOMAS J MILLER and MARY A MILLER, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $6750.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0043 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 03, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by THOMAS J MILLER and MARY A MILLER.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for THOMAS J MILLER and MARY A MILLER.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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MORGAN

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated September 24, 2005, from GREG MORGAN and WANDA MORGAN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 730, Page 217 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated September 24, 2005, from GREG MORGAN and WANDA MORGAN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $7320.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0002E (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 26, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by GREG MORGAN and WANDA MORGAN.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for GREG MORGAN and WANDA MORGAN.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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POWELL

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated August 10, 2008, from MARCUS J POWELL and AUDREY K CATHCART, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 861, Page 504 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated August 10, 2008, from MARCUS J POWELL and AUDREY K CATHCART, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $3885.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0056E (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 09, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by MARCUS J POWELL and AUDREY K CATHCART.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for MARCUS J POWELL and AUDREY K CATHCART.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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ROYSTER

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated April 9, 2008, from VERBON L ROYSTER SR and ADELE DUPLECHAIN, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 861, Page 599 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated April 9, 2008, from VERBON L ROYSTER SR and ADELE DUPLECHAIN, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $6225.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0068 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 19, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by VERBON L ROYSTER SR and ADELE DUPLECHAIN.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for VERBON L ROYSTER SR and ADELE DUPLECHAIN.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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SCOTT

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated April 17, 2010, from AMY L SCOTT, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 920, Page 346 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated April 17, 2010, from AMY L SCOTT, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $5821.00, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0041 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 02, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by AMY L SCOTT.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for AMY L SCOTT.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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WILLIAMS

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

By virtue of the Power of Sale contained in that certain Deed to Secure Debt dated November 4, 2007, from CHARLOTTE WILLIAMS, to Silverleaf Resorts, Inc., a Texas corporation, recorded in Volume 829, Page 677 in the Superior Court of Habersham County, Georgia (hereinafter “Security Deed”), said Security Deed having been given to secure a Promissory Note (the “Note”) dated November 4, 2007, from CHARLOTTE WILLIAMS, to Silverleaf Resorts, Inc., a Texas Corporation, in the original principal sum of $16019.52, with interest thereon as provided for therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on April 3, 2012, the following property:

A 1.923% undivided interest as tenant-in common in and to Unit No. 0131 (the “Unit”), Apple Mountain Resort, Phase 1, a vacation resort in Habersham County, Georgia, according to the Amended and Restated Declaration of Restrictions, Covenants and Conditions recorded in Volume 488, Page 1, in the Superior Court of Habersham County, Georgia (the “Declaration”), and as shown and described in the plat of Apple Mountain Resort, recorded in Volume 45, Page 241 of the Plat Records, Habersham County, Georgia, together with the exclusive right to occupy the Unit during use Period Nos. 10, as said Use Period is defined in the Declaration, upon and subject to all of the terms, restrictions, covenants, conditions and provisions in the Declaration.

The unpaid principal balance of the Note having been 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, and said default remaining, said sale will be made for the purpose of applying the proceeds thereof toward all expenses of sale, including, without limitation, attorney’s fees (notice of intention to collect attorney’s fees having been given), the payment of the debt and the interest thereon secured by the Security Deed, and as otherwise provided by and subject to the terms of the Security Deed.

Said property will be sold subject to (i) any unpaid ad valorem taxes and assessments (including taxes which are a lien, but not yet due and payable); (ii) any matters which might be disclosed by an accurate survey and inspection of the property; and (iii) any easements, liens, encumbrances, zoning ordinances, covenants, restrictions and matters of record senior in priority to the Deed to Secure Debt.

To the best of the undersigned’s knowledge, information and belief, possession of the property is held by CHARLOTTE WILLIAMS.

Silverleaf Resorts, Inc., a Texas Corporation

as Attorney-in-Fact for CHARLOTTE WILLIAMS.

Silverleaf Resorts, Inc.

P.O. Box 358

Dallas, Texas 75221

(214) 631-1166 x8914

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

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MARTINEZ

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 Teresa Guillen Martinez to Branch Banking and Trust Company, dated June 18, 2002, recorded in Deed Book 552, Page 90, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY THOUSAND FOUR HUNDRED THIRTY-SIX AND 0/100 DOLLARS ($90,436.00), 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 Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Branch Banking & Trust Company, 301 College Street, PVN #101729, Greenville, SC 29601, 800-827-3722. 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 Teresa Guillen Martinez or a tenant or tenants and said property is more commonly known as 270 Caputi Drive, Alto, Georgia 30510. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you. Branch Banking and Trust Company as Attorney in Fact for Teresa Guillen Martinez McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/mc9 4/3/12 Our file no. 51316811-FT1 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 190 of the 10th District of Habersham County, Georgia, lying and being in the City of Alto, Georgia, being known and designated as Lot 22 of Greenbriar Subdivision, containing 0.51 acres, more or less, on a Plat of Survey prepared for Troy A. Tucker and Jody L. Tucker and the First National Bank of Gainesville, d/b/a The Mortgage Source, by Max Lewallen, R.S., dated September 26, 1991, revised February 13, 1995, a copy of said plat being of record in the office of the clerk of Superior Court of Habersham County, Georgia in Plat Book 37, Page 123, to which said plat and the record thereof reference is hereby made for a more complete description. MR/mc9 4/3/12 Our file no. 51316811 - FT1

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FARMER

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by moss to Regions Mortgage, Inc, dated August 2, 1999, and recorded in Deed Book 445, Page 352, Habersham County Records, said Security Deed having been last sold, assigned, transferred and conveyed to EverBank, by Assignment , securing a Note in the original principal amount of $74,386.00, 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, April 3, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

ALL THAT TRACT or parcel of land lying and being in Land Lot 48 of the 10th Land District of Habersham County, Georgia, designated as Lot No. 6 of Part Two of Shenandoah Meadows Subdivision, containing 0.49 acre, more or less, as shown on plat of survey prepared by Hubert, Lovell, RLS, dated August 7, 1978, recorded in Plat Book 15, Page 181, Habersham County, Georgia Records, said plat being incorporated herein by reference for a more particular description.

Said property is known as 300 Mulkey Road, Demorest, GA 30535, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

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

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

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

EverBank as Attorney-in-Fact for Donald R. Farmer

File no. 12-028317

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770)220-2535/BO

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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HEMMER

NOTICE OF SALE UNDER POWER, HABERSHAM COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by William Glenn Hemmer and Bonita Hemmer to Wells Fargo Bank, NA dated 11/3/2006 and recorded in Deed Book 780 Page 409, Habersham County, Georgia records; as last transferred to HSBC Bank USA, National Association, as Trustee for Wells Fargo Home Equity Asset-Backed Certificates, Series 2006-3 by Assignment filed for record in Habersham County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 125,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012 (April 3, 2012), the following described property:

All that tract or parcel of land together with improvements thereon lying and being in Land Lot 71 of the 10th Land District, City of Demorest, Habersham County, Georgia, containing 0.52 acre, more or less and being all of Lots 3, 4, and 5, Block 23, City of Demorest as shown plat of survey of the City of Demorest by John A. Reynolds, recorded in Plat Book 1, page 188, in the office of the Clerk of Superior Court of Habersham County, Georgia and being more particularly shown on plat for Mark K. LaForest and Julia B. LaForest and Home Federal Savings Bank of Georgia by Max Lewallen, RS, dated July 16, 1990 recorded in Plat Book 29, page 81, in the office of the Clerk of Superior Court of Habersham County, Georgia which said plats are incorporated herein by reference and made a part of this description.

Being the same property as that conveyed by Warranty Deed from Robert G. Williams to William Glenn Hemmer and Bonita Hemmer dated January 13, 1997 recorded in Deed Book 366, page 585-586, Habersham County records.

Subject to all easements, restrictions, reservations and rights of way 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 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 210 Oak Avenue, Demorest, Georgia 30535 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): William Glenn Hemmer and Bonita Hemmer or tenant or tenants.

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

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

HSBC Bank USA, National Association, as Trustee for Wells Fargo Home Equity Asset-Backed Certificates, Series 2006-3 as agent and Attorney in Fact for William Glenn Hemmer and Bonita Hemmer

Aldridge Connors, LLP, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1000-668027

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GUNN

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Denver C. Gunn to Washington Mutual Bank, FA dated July 24, 2006 in the amount of $156,500.00, and recorded in Deed Book 765, Page 462, Habersham 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 April, 2012 , during the legal hours of sale, at the Courthouse door in Habersham 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 16 of the 12th Land District of Habersham County, Georgia, consisting of 0.47 acre, more or less, and being more fully described as Tract No. 37 of Habersham Estates Subdivision, a plat of survey for Denver Gunn, dated August 8, 2001, prepared by Max Lewallen, R.L.S., said plat being of record in the Office of the Clerk of Superior Court of Habersham County, Georgia in Plat Book 51, Page 1, said plat being incorporated herein for reference for a particular description of said realty. Subject to those certain Restrictive Covenants dated October 31, 1978 and recorded in Deed Book 162, Page 672, Habersham County, Georgia Records.

which has the property address of 299 Habersham Way, Mount Airy, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

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

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

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

JPMorgan Chase Bank, National Association

Attorney in Fact for

Denver C. Gunn

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates:03-06-2012, 03-13-2012, 03-20-2012, 03-27-2012

File No. 11-11482 /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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STROUD

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of the power of sale contained in a Security Deed from William A. Stroud to Mortgage Electronic Registration Systems Inc., as nominee for Homestar Financial Corp. dated July 15, 2010 recorded in Deed Book 927, Page 341 , Habersham County Records, and last assigned to JPMorgan Chase Bank, National Association, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED THIRTEEN THOUSAND FOUR HUNDRED SEVENTY-ONE AND 00/100 ($113,471.00), 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 Habersham County, Georgia, during the legal hours of sale on the first Tuesday, April 3, 2012 the following described property, to wit:

All that tract or parcel of land, together with all improvements thereon, lying and being in Land Lot 20 of the 12th Land District of Habersham County, Georgia, being designated as Lot 17 of Windfield Ridge Subdivision, containing 1.00 acre, more or less, being shown on plat of survey prepared for Elizabeth Cannon by Ian M. Bragg, G.R.L.S., dated January 29, 2003, and recorded in Plat Book 53, page 174, of the Habersham County, Georgia Plat Records, said plat is incorporated herein by reference for a more complete description.

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

Said property will be sold subject to any outstanding ad valorem taxes, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property William A. Stroud or, a tenant or tenants, and said property was or is commonly known as 1095 Blacksnake Rd, Mount Airy, GA 30563.

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

JPMorgan Chase Bank, National Association

As Attorney in Fact for

William A. Stroud

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 11-11609

/

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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WHEELER

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

By virtue of the power of sale contained in a Security Deed from Bradley Scott Wheeler and Brittney Leigh Wheeler to JPMorgan Chase Bank, N.A. dated May 24, 2007 recorded in Deed Book 807, Page 143 , Habersham County Records, and last assigned to JPMorgan Chase Bank, National Association s/b/m Chase Home Finance LLC, conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SIXTY-FOUR THOUSAND TWO HUNDRED TWENTY AND 00/100 ($164,220.00), 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 Habersham County, Georgia, during the legal hours of sale on the first Tuesday, April 3, 2012 the following described property, to wit:

All that tract or parcel of land lying and being in Land Lot 141 of the 11th Land District of Habersham County, Georgia, being shown and designated as Lot 30 of Hearthstone Subdivision, containing 0.80 acres, more or less, on a plat of survey prepared by Jeff Weshner, under date of November 28, 2005, recorded in the Office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 58 page 25, to which said plat and the record thereof is referenced to hereby make for a more complete description.

Together with a permanent non-exclusive easement for ingress and egress to and from the above-described property via the course of the existing subdivision roads, as shown on the plat of survey referred to above.

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

Said property will be sold subject to any outstanding ad valorem taxes, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.

To the best knowledge and belief of the undersigned, the party in possession of the property Bradley Scott Wheeler and Brittney Leigh Wheeler or, a tenant or tenants, and said property was or is commonly known as 566 Apple Wood Court, Clarkesville, GA 30523.

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

JPMorgan Chase Bank, National Association s/b/m Chase Home Finance LLC

As Attorney in Fact for

Bradley Scott Wheeler and Brittney Leigh Wheeler

Martin & Brunavs

2800 North Druid Hills Rd.

Building B, Suite 100

Atlanta, GA 30329

(404) 982-0088

M&B File No.: 09-9358

/

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

ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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BROOKSHIRE

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Richard W Brookshire and Tammy Lee Brookshire to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated October 31, 2007 in the amount of $140,000.00, and recorded in Deed Book 834, Page 119, Habersham County, Georgia Records; as last transferred to Cenlar FSB by assignment; the undersigned, Cenlar FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in April, 2012 , during the legal hours of sale, at the Courthouse door in Habersham 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 129 of the 10th Land District of Habersham County, Georgia, being designated as Lot No.1, Payne Estates, containing 0.0672 acres, more or less, and Lot No.1A, Payne Estates, containing 1.002 acres, more or less, as shown on plat of survery prepared by Roy A. Terrell, R.L.S., dated November 28, 1997 and revised August 12, 1998 and recorded among Habersham County, Georgia Records in Plat Book 45, Page 58; said plat being incorporated herein by reference for a more full and complete description.

which has the property address of 1970 Mud Creek Road, Alto, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

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

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

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

Cenlar FSB

Attorney in Fact for

Richard W Brookshire and Tammy Lee Brookshire

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates:03-06-2012, 03-13-2012, 03-20-2012, 03-27-2012

File No. 11-20493 /FHLMC/kgrant

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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SMITH

GEORGIA, HABERSHAM COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from Larry Smith to Habersham Bank dated February 26, 2003, recorded among Habersham County, Georgia Records in Deed Book 587, Page 85, held by SCBT, N.A. d/b/a Habersham Bank, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Habersham Bank, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated February 18, 2011 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Habersham Bank to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in April, 2012 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Larry Smith the following described property:

All that tract or parcel of land lying and being in land Lot 122 of the 12th Land District of Habersham County, Georgia, designated as Lot 9 of Buckhorn Subdivision, containing 1.66 acres, more or less, on a plat of survey prepared by Bartlett & Cash Land Surveyors, Inc., R.L.S., under date of September 27, 1994, a copy of said plat being of record in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 38, Page 21, to which said plat and the record thereof reference is hereby made for a more complete description.

Also conveyed herein is a one-fourth (1/14) undivided interest in the well lot located on Lot 7 on the above-referenced plat of survey, along an easement for the installation, use and maintenance of water lines from said well to the property above described, said easement reserved by Grantors of the above-referenced plat of survey.

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

The property will be sold subject to the following:

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

To the best of the undersigned’s knowledge and belief, the party in possession is Larry Smith or a tenant or tenants.

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

SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Larry Smith.

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

M. Keith York

Kimzey, Kimzey & York

P. O. Box 38

Cornelia, GA 30531

(706) 778-6823

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CT HOMES, LLC

GEORGIA, HABERSHAM COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that Deed to Secure Debt from CT Homes, LLC to Community Bank & Trust dated March 20, 2009, recorded among Habersham County, Georgia Records in Deed Book 887, Page 506, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in April, 2012 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for CT Homes, LLC the following described property:

All that tract or parcel of land, lying and being in Land Lots 49 and 68 of the 10th Land District of Habersham County, Georgia, designated as Lot 6, containing 1.00 acre, more or less, Lot 12, containing 1.12 acres, more or less, Lot 18, containing 1.00 acre, more or less, and Lot 19, containing 1.00 acre, more or less, of the Hope’s Landing Subdivision, all as shown on a plat of survey prepared for Hope’s Landing by Russell Bartlett, Registered Surveyor, dated October 8, 2004, recorded in Plat Book 56, Page 193, Office of the Clerk of Superior Court, Habersham County, Georgia. Said plat and the record thereof is incorporated herein by reference for a more complete description.

Together with a non-exclusive easement for ingress and egress via the course of existing subdivision roads shown on the above referenced plat of survey.

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

The property will be sold subject to the following:

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

To the best of the undersigned’s knowledge and belief, the party in possession is CT Homes, LLC or a tenant or tenants.

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

SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for CT Homes, LLC.

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

M. Keith York

Kimzey, Kimzey & York

P. O. Box 38

Cornelia, GA 30531

(706) 778-6823

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MOSS

NOTICE OF SALE UNDER POWER CONTAINED IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF Habersham

Pursuant to a power of sale contained in a certain security deed executed by Evelyn M. Moss and Bobby J. Moss, hereinafter referred to as Grantor, to First Horizon Home Loan Corporation recorded in Deed Book 635, beginning at page 297, of the deed records of the Clerk of the Superior Court of the aforesaid state and county, and by virtue of a default in the payment of the debt secured by said security deed, the undersigned attorney-in-fact for the aforesaid Grantor (which attorney-in-fact is the present holder of said security deed and note secured thereby) will sell before the door of the courthouse in said county within the legal hours of sale, for cash, to the highest bidder on the first Tuesday in April 2012, the property which, as of the time of the execution of said security deed, was described as set forth in the attached Exhibit “A”. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, and all other matters of record superior to the said security deed. Midland Mortgage, a Division of MidFirst Bank as loan servicer is the entity with authority to negotiate, amend and modify the terms of the Note and Security Deed. Midland Mortgage, a Division of MidFirst Bank may be contacted at: 999 Northwest Grand Boulevard, Oklahoma City, Oklahoma 73118; 1-800-552-3000, extension 8301. To the best of the undersigned’s knowledge and belief, the party in possession of the property is believed to be Evelyn M. Moss and Bobby J. Moss.

MidFirst Bank,

As Transferee and Assignee,

As attorney-in-fact for the aforesaid Grantor

Raymond S. Martin, P.C.

Attorney at Law

990 Hammond Drive

Suite 800

One Lakeside Commons

Atlanta, Georgia 30328

(770) 392-0041

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANY

INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

EXHIBIT “A”

All that tract or parcel of land lying and being in Land Lot 23 of the 12th Land District of Habersham County, Georgia, being shown and designated as Lot 83 of the Sherwood Forest Subdivision, on a plat of survey recorded in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 8, Page 13, to which said plat and the record thereof, reference is hereby made for a more complete description.

Together with a permanent non-exclusive easement for ingress and egress to and from the above described property via the course of the existing subdivision roads, as shown on the plat of survey referred to above.

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MILLER

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Tommy D. Miller to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated July 31, 2006 in the amount of $157,500.00, and recorded in Deed Book 766, Page 310, Habersham County, Georgia Records; as last transferred to GMAC Mortgage, LLC by assignment; the undersigned, GMAC Mortgage, LLC pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in April, 2012 , during the legal hours of sale, at the Courthouse door in Habersham 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 175 and 178 of the 3rd Land District of Habersham County, Georgia, shown and designated as Tract IV ( 1.75 acres) and Tract V (1.75 acres) as shown on plat of survey for Phillip Chitwood by Thomas Lynn Colbaugh, RLS under date of July 7, 1996 a copy of said plat being of record in the Office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 40, Page 194, to which said plat and the record thereof reference is hereby made for a more complete description.

Together with a permanent, non-exclusive easements for ingress and egress to and from the above described property via the course of any driveway or road which now exits or is hereafter constructed within a 40 foot wide road easements as shown on the plat referred to above; together with the right to construct or improve any driveway or road located within said 40-foot wide road easement.

Subject to other easements, restrictions, reservations, and Rights-of-Way of record, if any.

which has the property address of 700 Bird House Lane, Clarkesville, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

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

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

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

GMAC Mortgage, LLC

Attorney in Fact for

Tommy D. Miller

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates:03-06-2012, 03-13-2012, 03-20-2012, 03-27-2012

File No. 09-23617 /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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APPLING

NOTICE OF SALE UNDER POWER

STATE OF GEORGIA

COUNTY OF HABERSHAM

By virtue of a Power of Sale contained in that certain Security Deed from Bonnie W. Appling to Dynex Financial, Inc., dated December 16, 1998 and recorded in Deed Book 422, Page 71, in the Office of the Clerk of Superior Court of Habersham County, Georgia, said Security Deed having been given to secure a Note, dated December 16, 1998, in the original principal amount of Sixty Six Thousand Seven Hundred Fifty Three and 40/100 Dollars ($66,753.40) with interest thereon as provided therein, having been last sold, assigned and transferred to The Bank of New York Mellon Trust Company, N.A. as Trustee for Merit Securities Corporation Collateralized Mortgage Bonds Series 13, will be sold at public outcry to the highest bidder for cash before the courthouse door of Habersham County, Georgia, within the legal hours of sale on the first Tuesday of April 2012 regarding the following described property:

All that tract or parcel of land lying and being in Land Lot 91 of the 10th Land District of Habersham County, Georgia, containing 1.83 acres, more or less, designated as Lot 8 of Block A of Pea Ridge Forest Subdivision, according to a plat of survey prepared by Max Lewallen, dated August 14, 1980, and being more fully described as follows:

Beginning at the point of intersection of the northern right of way of Pea Ridge Road with the westerly right of way of Pinewood Drive; running thence along the westerly right of way of Pinewood Drive the following courses and distances: North 29 degrees, 21 minutes West, 450 feet; thence continuing along the curve of the western boundary of Pinewood Drive in a northerly direction 249.8 feet to a point; thence continuing along the western right of way of Pinewood Drive the following courses and distances: North 21 degrees, 58 minutes East, 92.9 feet; North 09 degrees, 12 minutes East, 178.9 feet; North 05 degrees, 08 minutes East, 200 feet; North 00 degrees, 35 minutes West, 201.5 feet to the true Point of Beginning of the tract herein described and conveyed; thence leaving the right of way of Pinewood Drive and running South 81 degrees, 24 minutes West, 603.2 feet to the centerline of a branch; thence along the centerline of said branch North 19 degrees, 23 minutes West, 71.5 feet to corner; thence leaving the center of the branch and running North 70 degrees, 34 minutes east, 633.3 feet to iron pin corner located on the westerly right of way of Pinewood Drive; thence along Pinewood Drive South 07 degrees, 01 minute East, 189.4 feet to the True Point of Beginning.

Together with all improvements attached hereto which is the subject of Fleetwood Manufactured Home, Model Oak Knoll, Serial Number GAFLX34AB2900-OK12.

Said property is commonly known as 296 Carter St. fka Lot #8 Pinewood Dr., Cornelia, GA 30531.

The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorney’s fees and all other payments provided for under the terms of the Security Deed and Note.

Said property will be sold subject to the following items which may affect the title of said property; zoning ordinances, matters which would be disclosed by an accurate survey or by an inspection of the property; any outstanding taxes, including but not limited to ad valorem taxes, which constitute liens upon said property; special assessments; all outstanding bills for public utilities which constitute liens upon said property; all restrictive covenants, easements, rights-of-way and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the party in possession of the property is Bonnie W. Appling or tenant(s).

The Bank of New York Mellon Trust Company, N.A.

as Trustee for Merit Securities Corporation

Collateralized Mortgage Bonds Series 13

as Attorney-in-Fact for

Bonnie W. Appling

Contact:

Topping & Associates, LLC

1930 N. Druid Hills Rd., Suite B

Atlanta, Georgia 30319

(404) 728-0220

Ad Run Dates: 3/6/12; 3/13/12; 3/20/12; and 3/27/12

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

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STEPHENS

NOTICE OF SALE UNDER POWER GEORGIA, HABERSHAM 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 Scott G. Stephens and Ashley C. Stephens to Wells Fargo Home Mortgage, Inc., dated January 19, 2001, recorded in Deed Book 491, Page 1034, Habersham County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of NINETY THOUSAND EIGHT HUNDRED AND 0/100 DOLLARS ($90,800.00), 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 Habersham County, Georgia within the legal hours of sale on the first Tuesday in April, 2012, the following described property: SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: Wells Fargo Home Mortgage, Inc., PO Box 10335, Des Moines, IA 50306, 1-800-416-1472. Please understand that the secured creditor is not required by law to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party in possession of the property is Scott G. Stephens and Ashley C. Stephens or a tenant or tenants and said property is more commonly known as 246 Heather Acres Drive, Alto, Georgia 30510. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. This law firm is seeking solely to foreclose the creditor’s lien on real estate and this law firm will not be seeking a personal money judgment against you. Wells Fargo Bank, N.A. successor by merger to Wells Fargo Home Mortgage, Inc. as Attorney in Fact for Scott G. Stephens and Ashley C. Stephens McCalla Raymer, LLC 1544 Old Alabama Road Roswell, Georgia 30076 www.foreclosurehotline.net MR/sju 4/3/12 Our file no. 51968001-FT7 EXHIBIT “A” All that tract or parcel of land lying and being in Land Lot 198 of the 10th District of Habersham County, Georgia, and being Lot 9 of Heather Acres Subdivision as recorded and shown in that certain Plat of Survey prepared by Bartlett and Cash, Inc., Registered Land Surveyors, and recorded in Plat Book 46, Page 128 and 129, Habersham County, Georgia, Deed Records, which plat of survey is hereby incorporated herein by reference for a more detailed and particular description thereof. This property is subject to Protective Covenants recorded in Deed Book 439, Page 81, as amended, Habersham County records. Also conveyed herewith is a 2001 Fleetwood Carriage Manor 32 x 64 manufactured home, Serial Number GAFLY75AB71931-CD11 which is attached to and made a part of the real property. MR/sju 4/3/12 Our file no. 51968001 - FT7

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WATERS

GEORGIA, HABERSHAM COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement from Carey Lanford Waters to Community Bank and Trust dated 06/06/2007, and recorded 06/11/2007, in Deed Book 808, Pages 924-933, Habersham County, Georgia Deed records, as modified by that Modification of Deed to Secure Debt recorded 11/15/2010 in Deed Book 937, Pages 1039-1041, Habersham County, Georgia Deed Records, and any further renewals or modifications thereto, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in April, 2012 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Carey Lanford Waters the following described property:

All that tract or parcel of land together with improvements thereon lying and being in Land Lot 71 of the 10th Land District, Habersham County, Georgia, City of Demorest, and being shown and designated as Lot 11, containing 0.173 acre, as shown on plat of survey prepared for Ronald C. Winski and Judith E. Winski by Kenyon L. Miller, RLS, dated September 25, 2001 recorded in Plat Book 51, page 36, in the office of the Clerk of Superior Court of Habersham County, Georgia, which said plat is incorporated herein by reference and made a part of this description.

Being a portion of the property conveyed to Marrett, Inc. by Warranty Deed from Ronald Winski and Judith Winski dated June 1, 2006 recorded in Deed Book 758, Page 132, Habersham County Records.

Subject to all easements, restrictions, reservations and rights-of-way of record, if any.

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

The property will be sold subject to the following:

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

To the best of the undersigned’s knowledge and belief, the party in possession is Carey Lanford Waters or tenant(s).

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

SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Carey Lanford Waters.

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

The Knott Firm, LLC

670 East Kytle Street

Cleveland, GA 30528

706-219-3227

File No. : F12-1023

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WATERS

GEORGIA, HABERSHAM COUNTY

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt and Security Agreement from Carey Lanford Waters to Community Bank and Trust dated 06/06/2007, and recorded 06/11/2007, in Deed Book 808, Pages 936-945, Habersham County, Georgia Deed records, as modified by that Additional Loan Agreement recorded 11/14/2007 in Deed Book 1225, Page 241, Habersham County, Georgia Deed Records, and any further renewals or modifications thereto, held by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. pursuant to that Purchase and Assumption Agreement among Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust, SCBT, N.A., and the Federal Deposit Insurance Corporation, dated January 29, 2010 and pursuant to Assignment from Federal Deposit Insurance Corporation as Receiver of Community Bank & Trust to SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday in April, 2012 by SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A., as Attorney-in-Fact for Carey Lanford Waters the following described property:

All that tract or parcel of land together with improvements thereon lying and being in Land Lot 71 of the 10th Land District, Habersham County, Georgia, City of Demorest, and being shown and designated as Lot 10, containing 0.173 acre, as shown on plat of survey prepared for Ronald C. Winski and Judith E. Winski by Kenyon L. Miller, RLS, dated September 25, 2001 recorded in Plat Book 51, page 36, in the office of the Clerk of Superior Court of Habersham County, Georgia, which said plat is incorporated herein by reference and made a part of this description.

Being a portion of the property conveyed to Marrett, Inc. by Warranty Deed from Ronald Winski and Judith Winski dated June 1, 2006 recorded in Deed Book 758, Page 132, Habersham County Records.

Subject to all easements, restrictions, reservations and rights-of-way of record, if any.

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

The property will be sold subject to the following:

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

To the best of the undersigned’s knowledge and belief, the party in possession is Carey Lanford Waters or tenant(s).

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

SCBT, N.A. d/b/a CBT, a Division of SCBT, N.A. as Attorney-in-fact for Carey Lanford Waters.

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

The Knott Firm, LLC

670 East Kytle Street

Cleveland, GA 30528

706-219-3227

File No. : F12-1022

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KELLER

Notice of Sale Under Power. State of Georgia, County of HABERSHAM.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by DONALD KELLER to SUNTRUST MORTGAGE, INC. , dated 08/15/2008, and Recorded on 08/19/2008 as Book No. 859 and Page No. 783-800, HABERSHAM County, Georgia records, as last assigned to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $140,816.00, 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 HABERSHAM County Courthouse within the legal hours of sale on the first Tuesday in April, 2012, the following described property: ALL THAT TRACT OF PARCEL OF LAND LYING AND BEING IN LAND LOTS AND 151 AND 152 OF THE 10 LAND DISTRICT, CITY OF CORNELIA OF HABERSHAM COUNTY, GEOGIA AND BEING DESIGNATED AS LOT 16 OF MAGNOLIA VILLAS SUBDIVISION AS SHOWN ON A SUBDIVISION PLAT PREPARED BY LOVELL, DUVALL, MILLER & ASSOCIATES, INC., GEORGIA REGISTERED LAND SURVEYORS, DATED MAY 13, 2005, LAST REVISED JUNE 22, 2005, AND RECORDED IN PLAT BOOK 57, PAGES 123-125, HABERSHAM COUNTY, GEORGIA PLAT RECORDS, AND WHICH PLAT IS HEREBY INCORPORATED BY REFERENCE FOR A MORE COMPLETE DESCRIPTION OF THE SUBJECT PROPERTY, BEING IMPROVED PROPERTY KNOWN AS 477 MAGNOLIA GROVE PLACE ACCORDING TO THE PRESENT SYSTEM OF NUMBERING PROPERTIES HABERSHAM COUNTY, GEORGIA.

THIS CONVEYANCE IS MADE SUBJECT TO ALL EASEMENTS, COVENANTS AND RESTRICTIONS OF RECORDS, IF ANY. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43219, 800-848-9136. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 477 MAGNOLIA GROVE PLACE, CORNELIA, GEORGIA 30531 is/are: DONALD KELLER 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, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC as Attorney in Fact for DONALD KELLER. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20100187438755 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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PERRY

Notice of Sale Under Power. State of Georgia, County of HABERSHAM.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JAMES H PERRY to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”) AS NOMINEE FOR HOMESTAR FINANCIAL CORPORATION , dated 09/26/2007, and Recorded on 10/02/2007 as Book No. 823 and Page No. 358-367, HABERSHAM County, Georgia records, as last assigned to U.S. BANK NATIONAL ASSOCIATION, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $140,780.00, 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 HABERSHAM County Courthouse within the legal hours of sale on the first Tuesday in April, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN THE COUNTY OF HABERSHAM, STATE OF GEORGIA, AND IN LAND LOT 71 OF THE 10TH LAND DISTRICT AND MORE FULLY DESCRIBED AS FOLLOWS:

BEGINNING AT AN IRON PIN CORNER AT THE INTERSECTION OF HICKORY STREET AND NEVADA STREET; THENCE ALONG HICKORY STREET SOUTH 47 DEGREES WEST ONE HUNDRED TWENTY (120) FEET TO CORNER; THENCE SOUTH 43 DEGREES EAST ONE HUNDRED FIFTY (150) FEET TO CORNER; THENCE NORTH 47 DEGREES EAST ONE HUNDRED TWENTY (120) FEET TO NEVADA STREET; THENCE NORTH 43 DEGREES WEST ALONG NEVADA STREET ONE HUNDRED FIFTY (150) FEET TO BEGINNING.

THE LAND HEREIN DESCRIBED AND CONVEYED BY DONALD MARTIN AND KATHERINE F. MARTIN TO WILLIAM LOUDERMILK AND SARAH CISSON LOUDERMILK BY WARRANTY DEED DATED AUGUST 9, 1953, WHICH IS RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF HABERSHAM COUNTY, GEORGIA, IN DEED BOOK A-63, PAGE 594. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: U.S. BANK NATIONAL ASSOCIATION, 4801 FREDERICA ST, Foreclosure ATTN: BANKRUPTCY DEPT, OWENSBORO, KY 42301, 602-264-6101. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 156 HICKORY AVE, DEMOREST, GEORGIA 30535 is/are: JAMES H PERRY 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 JAMES H PERRY. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20110090100512 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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BUTLER

Notice of Sale Under Power. State of Georgia, County of HABERSHAM.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by FREDERICK L BUTLER AND DOLLY E BUTLER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR UNITED COMMUNITY MORTGAGE SERVICES, INC. , dated 06/23/2006, and Recorded on 06/26/2006 as Book No. 760 and Page No. 1097-111, HABERSHAM County, Georgia records, as last assigned to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $152,490.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash at the HABERSHAM County Courthouse within the legal hours of sale on the first Tuesday in April, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 193 OF THE 2ND LAND DISTRICT OF HABERSHAM COUNTY, GEORGIA, DESIGNATED AS LOT 2 OF THE CAIN BRIDGE MEADOWS SUBDIVISION, CONTAINING 0.94 ACRES, MORE OR LESS, AS SHOWN ON A PLAT OF SURVEY PREPARED FOR CAIN BRIDGE MEADOWS BY RICHARD H. HOLCOMB, R.S., UNDER DATE OF AUGUST 1, 2001, LAST REVISED JULY 26, 2002, A COPY OF SAID PLAT BEING OF RECORD IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF HABERSHAM COUNTY, GEORGIA, IN PLAT BOOK 52, PAGE 227, TO WHICH SAID PLAT AND THE RECORD THEREOF REFERENCE IS HEREBY MADE FOR A MORE COMPLETE 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). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC, 3415 VISION DRIVE, Foreclosure, COLUMBUS, OH 43219, 800-848-9136. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 260 DIXON ROAD, DEMOREST, GEORGIA 30535 is/are: FREDERICK L BUTLER AND DOLLY E BUTLER 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, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO CHASE HOME FINANCE LLC as Attorney in Fact for FREDERICK L BUTLER AND DOLLY E BUTLER. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20110187412055 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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ECHOLS

Notice of Sale Under Power. State of Georgia, County of HABERSHAM.

Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by MATTHEW W ECHOLS to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), AS NOMINEE FOR CITIZENS FIDELITY MORTGAGE CORP, A GEORIGA CORPORATION , dated 01/17/2008, and Recorded on 01/23/2008 as Book No. 836 and Page No. 58-69, HABERSHAM County, Georgia records, as last assigned to U.S. BANK NATIONAL ASSOCIATION, by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $111,650.00, 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 HABERSHAM County Courthouse within the legal hours of sale on the first Tuesday in April, 2012, the following described property: ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 20 OF THE 12TH LAND DISTRICT OF HABERSHAM COUNTY,, GEORGIA AND BEING DESIGNATED AS TRACT 7, CONTAINING 1.22 ACRES, MORE OR LESS, OF SCRAPPER ACRES, AS SHOWN ON PLAT OF SURVEY PREPARED BY HUBERT LOVELL, RLS, AND SAID PLAT BEING RECORDED AMONG HABERSHAM COUNTY, GEORGIA RECORDS IN PLAT BOOK 35, PAGE 199, REFERENCE TO SAID PLAT IS BEING MADE FOR A MORE FULL AND COMPLETE DESCRIPTION.

SUBJECT TO RESTRICTIONS, EASEMENTS, AND RIGHTS OF WAY OF RECORD. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The entity that has full authority to negotiate, amend, and modify all terms of the mortgage with the debtor is: U.S. BANK NATIONAL ASSOCIATION, 4801 FREDERICA ST, Foreclosure ATTN: BANKRUPTCY DEPT, OWENSBORO, KY 42301, 602-264-6101. Please understand that the secured creditor is not required to negotiate, amend, or modify the terms of the mortgage instrument. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 150 DEWBERRY LANE, MOUNT AIRY, GEORGIA 30563 is/are: MATTHEW W ECHOLS 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 MATTHEW W ECHOLS. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120090100037 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398.

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WELBORN

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Ricky J. Welborn and Teresa L. Welborn to CitiFinancial Services, Inc., dated September 16, 2005, recorded in Deed Book 722, Page 672, Habersham County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of Fifty-Two Thousand Nine Hundred Eighty and 10/100 DOLLARS ($52,980.10), 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 Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the following described property:

SEE EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF

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

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

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is Ricky J. Welborn and Teresa L. Welborn or a tenant or tenants and said property is more commonly known as 678 Wilson Road, Cornelia, GA 30531.

CitiFinancial Services, Inc.

as Attorney in Fact for

Ricky J. Welborn and Teresa L. Welborn

Morris|Hardwick|Schneider, LLC

1301 Hightower Trail, Suite 305

Sandy Springs, Georgia 30350

http://foreclosure.closingsource.net

MHS File #: GA-91000905-11

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

EXHIBIT “A”

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 146 OF THE 10TH LAND DISTRICT OF HABERSHAM COUNTY, GEORGIA AND BEING DESIGNATED AS LOT 1 OF MOUNTAIN VIEW ACRES SUBDIVISION, CONTAINING 0.70 ACRES, MORE OR LESS, AS SHOWN ON PLAT OF SURVEY PREPARED BY MAX LEWALLEN RLS, DATED JUNE 25, 1977 AND SAID PLAT BEING RECORDED AMONG HABERSHAM COUNTY, GEORGIA RECORDS IN PLAT BOOK 14, PAGE 252, REFERENCE TO SAID PLAT IS BEINF MADE FOR A MORE FULL AND COMPLETE DESCRIPTION. ALSO CONVEYED IS 28X70, 1992, PEACHTREE MANUFACTURED HOME LOCATED ON THE ABOVE DESCRIBED PROPERTY, SERIAL NUMBER FOR SAID MANUFACTURED HOME IS PSHGA11876AB

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FAJARDO

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Because of a default in the payment of the indebtedness secured by a Security Deed executed by Jose R. Fajardo to Wells Fargo Home Mortgage, Inc. dated December 22, 2003, and recorded in Deed Book 637, Page 546, Habersham County Records, securing a Note in the original principal amount of $93,791.00, 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, April 3, 2012, during the legal hours of sale, before the Courthouse door in said County, sell at public outcry to the highest bidder for cash, the property described in said Deed, to-wit:

All that tract or parcel of land lying and being in Land Lot 186 of the 10th Land district of Habersham County, Georgia, and being shown and designated as Lot 20 of S.C. Heindel’s Peach Orchard Hills Subdivision, containing 0.31 acre, more or less, according to Plat of Survey dated July 24, 1990, prepared by Hubert Lovell, R.S., same being recorded among Habersham County, Georgia records in Plat Book 29, at page 89, reference to said plat being made for a more full and adequate description of the property herein described and conveyed.

Said property is known as 145 Scott Avenue, Baldwin, GA 30511, together with all fixtures and personal property attached to and constituting a part of said property, if any.

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

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

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

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

Wells Fargo Bank, NA successor by merger to Wells Fargo Home Mortgage, Inc. as Attorney-in-Fact for Jose R. Fajardo

File no. 11-017634

SHAPIRO & SWERTFEGER, LLP*

Attorneys and Counselors at Law

2872 Woodcock Blvd., Duke Building, Suite 100

Atlanta, GA 30341-3941

(770)220-2535/KMM

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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ADAMS

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Timothy D. Adams and Jill F. Adams to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $168,000.00 dated 11/02/2004, and recorded in Deed Book 679, page 881, Habersham County records, said Security Deed being last transferred and assigned to U.S. Bank Trust, N.A., as Trustee for LSF6 MRA REO Trust, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2012 by U.S. Bank Trust, N.A., as Trustee for LSF6 MRA REO Trust, as Attorney-in-Fact for Timothy D. Adams and Jill F. Adams the following described property:

Legal description:

All that tract or parcel of and lying and being in Land Lot 24 of the 12th Land District of Habersham County, Georgia, as described on a plat of survey by E.G. (Eddie) Davidson, PLS, dated August 2, 2000, and recorded in Plat Book 49, Page 71, Habersham County Records; which plat of survey is incorporated by reference for a more specific description of this property.

Parcel/Tax I.D. #: 099-184

Commonly known as 1078 Wall Bridge Road, Clarkesville, GA 30523

Property known as: 1078 Wall Bridge Road, Clarkesville, GA 30523

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

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

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

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

Vericrest Financial, Inc.

13801 Wireless Way

Oklahoma City, OK 73134

PHONE: 800-621-1437

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

To the best of the undersigned’s knowledge and belief, the party in possession is Timothy D. Adams and Jill F. Adams.

U.S. Bank Trust, N.A., as Trustee for LSF6 MRA REO Trust, as Attorney-in-fact for Timothy D. Adams and Jill F. Adams.

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

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-02195

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JAMESON

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Kassie Jameson to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $100,000.00 dated 01/23/2008, and recorded in Deed Book 841, page 322, Habersham County records, said Security Deed being last transferred and assigned to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP in Deed Book 977, Page 1042, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2012 by Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, as Attorney-in-Fact for Kassie Jameson the following described property:

All that tract or parcel of land lying and being in Land Lot No. 157 of the 12th Land District of Habersham County, Georgia and being more particularly described according to plat or survey made by Hubert Lovell, RS, under date of January 4, 1977 a copy of said plat being recorded in the Office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 13, Page _, as follows:

To locate the point of beginning commence at an iron pin at the origin corner common to Land Lots 146, 147, 156, and 157 and run thence South 29 degrees 56 minutes East 1330.2 feet and thence South 89 degrees 12 minutes East 289.6 feet to an iron pin which is the true point of beginning; thence South 89 degrees 12 minutes East 569.4 feet to an iron pin; thence South 89 degrees 12 minutes East 30 feet to corner in dirt road; thence along the center of dirt road the following distances South 56 degrees 41 minutes West 22.5 feet, South 48 degrees 17 minutes West 123.5 feet, South 38 degrees 43 minutes West 43.7 feet, South 34 degrees 45 minutes West 177.8 feet, South 25 degrees 18 seconds West 49 feet, South 12 degrees 41 minutes West 34.9 feet and South 34 degrees 45 minutes West 177.8 feet, South 25 degrees 18 seconds West 49 feet, South 12 degrees 41 seconds West 34.9 feet and South 05 degrees 17 minutes West 42 feet to a corner; thence along the center of an old road the following courses and distances: South 83 degrees 44 minutes West 47 feet, South 34 degrees 18 minutes West 84.4 feet to a corner; thence continuing North 15 degrees 18 minutes West 10 feet to an iron pin; thence continuing North 15 degrees 18 minutes West 578.7 feet to the point of beginning, containing 3.73 acres, more or less, and being part of the land conveyed by Warranty Deed from Mrs. T.L. Todd to Arlo Todd dated July 1, 1947, recorded in the Office of the Clerk of Superior Court of Habersham County Georgia, in Deed Book A-52, Page 24. Being the same property acquired by the above-referenced Mortgagor by Deed dated 23rd day of January, 2008, filed of record in Deed Book 841, Page 318, in the Office of the Clerk of Superior of Habersham County, Georgia.

Property known as: 807 Arlo Todd Rd, Toccoa, GA 30577

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

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

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

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

Bank of America, N.A.

Attn: Loss Mitigation, P. O. Box 5170, MS SV314B

Simi Valley, CA 93065

PHONE: 800-669-6650

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

To the best of the undersigned’s knowledge and belief, the party in possession is Kassie Jameson.

Bank of America, N.A. successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP, as Attorney-in-fact for Kassie Jameson.

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

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-01159

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JOHNSON-WHITEN

NOTICE OF SALE UNDER POWER, HABERSHAM COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Angela A Johnson-Whiten to Mortgage Electronic Registration Systems, Inc., as nominee for American Equity Mortgage, Inc. dated 2/5/2009 and recorded in Deed Book 877 Page 166, HABERSHAM County, Georgia records; as last transferred to GMAC Mortgage, LLC by Assignment filed for record in HABERSHAM County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 145,401.00, 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 HABERSHAM County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012 (April 3, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND LYING AND BEING IN LAND LOT 144 OF THE 10TH DISTRICT, HABERSHAM COUNTY, GEORGIA CONSISTING OF 1.58 ACRES, MORE OR LESS, AS SHOWN AND DELINEATED AS LOT NO. 5 OF PEYTON ESTATES SUBDIVISION ON PLAT OF SURVEY DATED OCTOBER 25, 1989, REVISED MAY 21,1992, BY HUBERT LOVELL, R. S., THE SAME BEING RECORDED AMONG HABERSHAM COUNTY GEORGIA RECORDS, IN PLAT BOOK 32, PAGE 156, HABERSHAM COUNTY, GEORGIA RECORDS TO WHICH PLAT REFERENCE IS MADE FOR A MORE DETAILED DESCRIPTION.

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 641 Blair Road, Mount Airy, Georgia 30563 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): Angela A Johnson-Whiten or tenant or tenants.

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

The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above.

GMAC Mortgage, LLC as agent and Attorney in Fact for Angela A Johnson-Whiten

Aldridge Connors, LLP, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1165-308

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YEARWOOD

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from DAVID YEARWOOD to UNITED COMMUNITY BANK, dated April 24, 2009, recorded May 6, 2009, in Deed Book 885, Page 917, Habersham County, Georgia records, as last modified by Modification of Security Deed dated April 24, 2010, recorded in Deed Book 922, Page 584, Habersham County, Georgia records, said Security Deed being given to secure a Note from DAVID YEARWOOD and BRENDA YEARWOOD, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the following described property:

TRACT I:

All that tract or parcel of land lying and being in Land Lot 194 of the 2nd Land District and Land Lot 172 of the 11th Land District, containing 39.25 acres, more or less, according to plat of survey prepared by James A. Long, R.S., dated April 8, 1985, said plat being recorded among Habersham County, Georgia Records in Plat Book 41, at page 139, and being more fully described as follows:

BEGINNING at the point of intersection of Taylor Loop Road and Georgia Highway 115; thence running along the Northerly right of way of Taylor Loop Road South 86 degrees 28 minutes West 166.24 feet; thence continuing along the Northerly right of way of Taylor Loop Road South 85 degrees 52 minutes West 292.0 feet to iron pin corner; thence North 01 degree 53 minutes East 616.61 feet to rock corner; thence South 88 degrees 35 minutes West 722.15 feet to iron pin corner; thence North 31 degrees 39 minutes West 801.29 feet to rock corner; thence South 78 degrees 19 minutes West 106.16 feet to iron pin corner; thence North 00 degrees 56 minutes West 374.16 feet to iron pin corner; thence North 89 degrees 11 minutes East 1605.60 feet to iron pin corner located on the Westerly right of way of Georgia Highway 115; thence along said right of way South 03 degrees 10 minutes East 792.58 feet to corner; thence leaving the right of way of Georgia Highway 115 and running South 73 degrees 15 minutes West 257.65 feet to corner; thence South 22 degrees 12 minutes East 155.10 feet to corner; thence North 63 degrees 08 minutes East 223.69 feet to corner located on the Westerly right of way of Georgia Highway 115; thence along said right of way South 03 degrees 10 minutes East 571.0 feet; thence continuing along said right of way South 00 degrees 55 minutes East 156.81 feet to the Point of Beginning.

TRACT II:

All that tract or parcel of land lying and being In Land Lot 172 in the 11th Land District, Habersham County, Georgia, containing 0.70 acres, as more fully shown on Plat of Survey by James A. Long, R.S., under date of October 31, 1984, recorded in Plat Book 20, Folio 245, Habersham County Records, and being more particularly described as follows:

BEGINNING at an iron pin set on the right of way of Highway 105 at a point across said Highway 105 from where Fairview School Road intersects said Highway 105; thence South 00 degrees 33 minutes East 106.33 feet to an iron pin also on the right of way of said Highway 105; thence leaving said right of way South 62 degrees 45 minutes West 223.69 feet to an iron pin; thence North 19 degrees 35 minutes West 155.10 feet to an iron pin; thence North 75 degrees 25 minutes East 257.65 feet to the iron pin point of beginning.

Grantor acquired title to Tract II as the sole and only heir at law of Gertrude Holcomb Yearwood, who died intestate, a resident of Habersham County, Georgia on January 11, 1994.

Less & Except Quit Claim Deed dated December, 2000, being All that tract or parcel of land, together with improvements thereon, lying and being Land Lots 194 & 172 of the 2nd & 11th Land Districts of Habersham County, Georgia, containing 10.00 acres, more or less, as shown on Plat of survey prepared for David A. Yearwood and Brenda Yearwood by Samuel L. Duvall, R.L.S., dated October 11, 2000 and recorded among Habersham County, Georgia Records in Plat Book 49, Page 173, said plat being incorporated herein by reference for a more full and complete description.

Including Inventory, Equipment, Farm Products and Farm Equipment and assignment of Intergrator (Mar Jac) sale proceeds check.

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is DAVID YEARWOOD or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for DAVID YEARWOOD

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-02996

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

4C-3-28-2012

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YEARWOOD

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from DAVID A. YEARWOOD to UNITED COMMUNITY BANK, dated April 24, 2009, recorded May 6, 2009, in Deed Book 885, Page 925, Habersham County, Georgia records, as last modified by Modification of Security Deed dated April 24, 2010, recorded in Deed Book 922, Page 587, Habersham County, Georgia records, said Security Deed being given to secure a Note from DAVID YEARWOOD and BRENDA YEARWOOD, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the following described property:

All that tract or parcel of land lying and being in Land Lot 194 and 172 of the 2nd and 11th Land District of Habersham County, Georgia, being shown and designated as Tract No. 1, containing 10.330 acres, more or less, on a plat of survey prepared for David Yearwood by Bauknight & Assoc Land Surveying dated April 28, 1997 and being recorded among Habersham County, Georgia records in Plat Book 47, Page 110, said plat being incorporated herein by reference for a more full and complete description.

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

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

To the best knowledge and belief of the undersigned, the party in possession of the property is DAVID A. YEARWOOD or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for DAVID A. YEARWOOD

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-02997

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

4C-3-28-2012

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ATKINS

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

Under and by virtue of the power of sale contained in a Security Deed from STANLEY ATKINS to UNITED COMMUNITY BANK, dated February 20, 2004, recorded in Deed Book 644, Page 874, Habersham County, Georgia records, as last modified by Modification of Security Deed dated February 18, 2011, recorded in Deed Book 949, Page 960, Habersham County, Georgia records, said Security Deed being given to secure a Note from STANLEY ATKINS dated February 18, 2011, in the original principal amount of Seventy Five Thousand One Hundred Twenty Three and 90/100 ($75,123.90) Dollars, with interest from date at a rate per cent per annum on the unpaid balance until paid; there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door at Habersham County, Georgia, within the legal hours of sale on the first Tuesday in April, 2012, the following described property:

All that tract ort parcel of land lying and being in Land Lot 1 of the 12th Land District in the City of Clarkesville, Habersham County, Georgia and being known and designated as Lot 8, consisting of 1.10 acres, and Lot 9, consisting of 1.02 acres, of Old Clarkesville Mill Village, all as more fully shown by plat of survey by Bartlett & Cash Land Surveyors, Inc., dated April 28, 2003, recorded in Plat Book 54, Page 254, Habersham County, Georgia records, said plat being referred to and incorporated herein for a more complete description.

Also conveyed a perpetual non-exclusive right of way and easement over and across driveway and parking lot commencing at the right of way of Historic US 441 and extending in a northerly direction along and subject to the subject parcel above described, and also including but not limited to a perpetual non-exclusive right of way and easement over and across Village Green Way and Old Clarkesville Mill Road.

Subject To: Declaration of Covenants, Conditions and Restrictions for Old Clarkesville Mill recorded in Deed Book 617, Page 708, with an Amendment to Declaration of Covenants, Conditions and Restrictions for Old Clarkesville Mill, recorded in Deed Book 624, Page 674, Habersham 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 the Security Deed and by law, including attorney’s fees (notice of intent to collect attorney’s fees having been given).

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

To the best knowledge and belief of the undersigned, the party in possession of the property is STANLEY ATKINS or a tenant or tenants.

UNITED COMMUNITY BANK,

as attorney in Fact for STANLEY ATKINS

L. Lou Allen

Stites & Harbison, PLLC

11 Mountain Street, Suite 8

Blue Ridge, Georgia 30513

(706) 632-7923

File No. 7484A-03242

4C-3-28-2012

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WALDROP

NOTICE OF SALE UNDER POWER

GEORGIA, HABERSHAM COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Virginia A Waldrop to Mortgage Electronic Registration Systems, Inc. as nominee for United Community Mortgage Services, Inc., its successors and assigns dated March 20, 2008 in the amount of $77,200.00, and recorded in Deed Book 842, Page 991, Habersham County, Georgia Records; as last transferred to Cenlar FSB by assignment; the undersigned, Cenlar FSB pursuant to said deed and the note thereby secured, has declared the entire amount of said indebtedness due and payable and pursuant to the power of sale contained in said deed, will on the first Tuesday in April, 2012 , during the legal hours of sale, at the Courthouse door in Habersham County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

To that certain Deed to Secure Debt from

Virginia A. Waldrop to United Community Mortgage Services, Inc.,

dated March 20, 2008.

All that tract or parcel of land lying and being in Land Lot 2 of the 12th Land District of Habersham County, Georgia, and being in the City of Clarkesville, Georgia, being shown and designated as Tract C of Loving Hill, consisting of 0.04 acres, on that certain plat of survey prepared for Danny Otter by Bartlett & Cash Land Surveyors, Inc., dated August 20, 2002, recorded in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 54, Page 110, to which plat and the record thereof is hereby incorporated herein for a more complete description.

Together with a permanent non-exclusive easement for ingress and egress to and from the above described property via the courses of the existing subdivision roads as shown on the plat of survey referred to above.

Subject to: Declaration of Covenants, Conditions, and Restrictions, recorded in the office of the Clerk of Superior Court of Habersham County, Georgia, in Deed Book 616, Page 708 with amendment recorded in the above said office in Deed Book 624, Page 674.

It is the affirmative intention of the Undersigned and Lender to create and establish a perpetual or indefinite security interest in favor of Lender in the real property conveyed hereby, pursuant to O.C.G.A. §44-14-80(a)(2), and specifically to agree that title to the real property conveyed hereby shall not revert to Undersigned for a period of the late of (i): 20 years from the date of this conveyance or seven years from the maturity of the indebtedness secured hereby, or (ii) the date determined in accordance with O.C.G.A. §44-14-80(b) or §44-14-80(c), as applicable, if any portion or all of the indebtedness secured hereby is extended or renewed beyond the original maturity date thereof. In addition to all other covenants set forth herein, undersigned hereby agree that the perpetual or indefinite security interest hereby established also secures all loans, whenever made and in whatever form made, incident to the open end or other indebtedness provisions of this indenture.

which has the property address of 683 Grant Street Unit C, Clarkesville, Georgia., together with all fixtures and other personal property conveyed by said deed.

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

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

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

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

Cenlar FSB

Attorney in Fact for

Virginia A Waldrop

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Northeast Georgian

Publication Dates:03-06-2012, 03-13-2012, 03-20-2012, 03-27-2012

File No. 11-18054 /FHLMC/sstojanovic

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

4C-3-28-2012

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ARRENDALE

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from David J Arrendale and Erin O. Arrendale to Mortgage Electronic Registration Systems, Inc. in the original principal amount of $286,000.00 dated 08/02/2005, and recorded in Deed Book 715, page 418, Habersham County records, said Security Deed being last transferred and assigned to CitiMortgage, Inc., the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2012 by CitiMortgage, Inc., as Attorney-in-Fact for David J Arrendale and Erin O. Arrendale the following described property:

All that tract or parcel of land lying and being in Land Lot 123 of the 11th Land District of Habersham County, Georgia, being shown and designated as Lot 7 of Heyden Ridge Subdivision, containing 4.856 acres, more or less on a plat of survey prepared by Davidson Land Surveying, Inc., G.R.L.S., under date of January 18, 2002, recorded in the office of the Clerk of Superior Court of Habersham County, Georgia, in Plat Book 51, Page 217, to which plat and the record thereof, reference is hereby made for a more complete description.

Together with a permanent non-exclusive easement for ingress and egress to and from the above described property via the course of the existing subdivision roads, as shown on the plat of survey referred to above.

Property known as: 201 Heyden Ridge Dr, Clarkesville, GA 30523

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

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

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

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

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

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

To the best of the undersigned’s knowledge and belief, the party in possession is David J Arrendale and Erin O. Arrendale.CitiMortgage, Inc., as Attorney-in-fact for David J Arrendale and Erin O. Arrendale.

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

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 12-01962

4C-3-28-2012

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ETHERIDGE

STATE OF GEORGIA

COUNTY OF HABERSHAM

NOTICE OF SALE UNDER POWER

IN DEED TO SECURE DEBT

Under and by virtue of the power of sale contained in that certain Deed to Secure Debt from Jan A Etheridge and Tamela E Etheridge to ABN AMRO Mortgage Group, Inc. in the original principal amount of $116,000.00 dated 04/06/2005, and recorded in Deed Book 699, page 705, Habersham County records, the undersigned will sell at public outcry to the highest bidder for cash before the Courthouse door in said County, during the legal hours of sale, on the first Tuesday of April, 2012 by CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-Fact for Jan A Etheridge and Tamela E Etheridge the following described property:

All that tract or parcel of land lying and being in Land Lot 121, 10th District, Habersham County, Georgia, as shown on plat prepared by Hubert Lovell, Registered Surveyor, dated June 13, 1991, recorded in Plat Book 30, Page 222, Habersham County, Georgia Records.

Property known as: 156 Bent Oak Dr, Cornelia, GA 30531

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

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

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

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

CitiMortgage, Inc.

1000 Technology Drive

O’Fallon, MO 63368

PHONE: 866-272-4749

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

To the best of the undersigned’s knowledge and belief, the party in possession is Jan A Etheridge and Tamela E Etheridge.

CitiMortgage, Inc., successor by merger with ABN AMRO Mortgage Group, Inc., as Attorney-in-fact for Jan A Etheridge and Tamela E Etheridge.

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

Pendergast & Associates, P.C.

South Terraces, Suite 1000

115 Perimeter Center Place

Atlanta, GA 30346

Phone – (770) 392-0398

Toll Free – (866) 999-7088

www.penderlaw.com

Our File No. 11-14133

4C-3-28-2012

Habersham County

Probate Court

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TYLER

NOTICE

Georgia, Habersham County Probate Court

TO: Any and all heirs known and unknown, Caleb Stanley Tyler has petitioned (for himself) to be appointed Administrator(s) of the estate of William Stanley Tyler, 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 March 26, 2012. 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.

Pamela F. Wooley

Probate Judge

By: Beth Cantrell

Probate Clerk/Deputy Clerk

P.O. Box 876

Clarkesville, Ga. 30523

706-754-2013

4C-3-21-2012

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KING

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Joseph Henry King, IV

All creditors of the estate of Joseph Henry King, IV, late of Habersham County, Georgia, deceased, 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. This 1st day of March, 2012.

s/ Henry Cobb King and Houston Blount King

Co-Administrators of Joseph Henry King, IV Estate

Henry Cobb King

3824 Forest Glen Drive

Birmingham, AL 35213

404-293-5464

Houston Blount King

803 Alandele Avenue, Apt. 3

Los Angeles, CA. 90036

213-925-7535

4C-3-28-2012

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RAMSAUR

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Richard Madison Ramsaur

All creditors of the estate of Richard Madison Ramsaur, late of Habersham County, Georgia, deceased, 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. This 1st day of March, 2012.

s/ Thomas Marshall Hensley, Jr.

Executor of Richard Madison Ramsaur Estate

Thomas Marshall Hensley, Jr.

P.O. Box 558

Baldwin, Ga. 30511

706-778-5100

4C-3-28-2012

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WELBORN

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Marie Leona Welborn

All creditors of the estate of Marie Leona Welborn, late of Habersham County, Georgia, deceased, 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. This 27th day of February, 2012.

s/ Dawn Williams

Executor of Marie Leona Welborn Estate

Dawn Williams

PSC 78, Box 469

APO, AP 96326

706-363-3614

4C-3-28-2012

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BARRETT

CITATION

GEORGIA, Habersham COUNTY

ESTATE NO. 5132-70

IN RE: PETITION OF Ruth Barrett

FOR TEMPORARY LETTERS OF GUARDIANSHIP

ESTATE OF Foster James Barrett, MINOR

DATE OF MAILING, IF ANY N/A

DATE OF SECOND PUBLICATION, IF ANY 3/14/2012

TO: Jennifer Renee Foster

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to the Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing setting forth the grounds of any such objections, and must be filed with this Court no later than ten days after the second publication of this notice if you are served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court personnel at the below address/telephone number for the required amount of filing fees.

***NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as guardian(s), or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Pamela F. Wooley

PROBATE JUDGE

By: Beth Cantrell

PROBATE CLERK/DEPUTY CLERK

P.O. Box 876 Clarkesville, Ga. 30523

(706) 754-2013

2C-3-14-2012

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GOMEZ

CITATION

GEORGIA, Habersham COUNTY ESTATE NO. 5034-60

IN RE: PETITION OF Francisco Gomez & Maria Francisco

FOR TEMPORARY LETTERS OF GUARDIANSHIP

ESTATE OF Julyssa Ann Gomez, MINOR

DATE OF MAILING, IF ANY na

DATE OF SECOND PUBLICATION, IF ANY March 14, 2012

TO: Tomas Enrique Gomez & Crystal Ann Meraz

You are hereby notified that a petition for the appointment of a temporary guardian has been filed regarding the above-named minor. All objections to the Petition described above either to the appointment of a temporary guardian or the appointment of the petitioner(s) as temporary guardian(s), must be in writing setting forth the grounds of any such objections, and must be filed with this Court no later than ten days after the second publication of this notice if you are served by publication. All pleadings must be signed before a notary public or Georgia probate court clerk, and filing fees must be tendered with your pleadings, unless you qualify to file as an indigent party. Contact probate court personnel at the below address/telephone number for the required amount of filing fees.

***NOTE: If a natural guardian files an objection to the creation of the temporary guardianship, the Petition will be dismissed. If a natural guardian files an objection to the appointment of the petitioner(s) as guardian(s), or if a parent who is not a natural guardian files an objection to the petition, a hearing on the matter shall be scheduled at a later date.

Pamela F. Wooley

Probate Judge

By: Pamela F. Wooley

Probate Clerk/Deputy Clerk

P.O. Box 876

Clarkesville, Ga. 30523

706 754 2013

2C-3-14-2012

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LEDFORD

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Frank Ford Ledford

All creditors of the estate of Frank Ford Ledford, late of Habersham County, Georgia, deceased, 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. This 5th day of March, 2012.

s/ Robert J.C. Driggers

Executor of Frank Ford Ledford Estate

Robert J.C. Driggers

4235 Old Waynesboro Road

Hephzibah, Ga. 30815

4C-4-4-2012

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BALLEW

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Brenda Kay Ballew

All creditors of the estate of Brenda Kay Ballew, late of Habersham County, Georgia, deceased, 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. This 5th day of March, 2012.

s/ Christy R. Gosnell

Executor of Brenda Kay Ballew Estate

Christy R. Gosnell

1643 Ben Jones Road

Clarkesville, Ga. 30523

4C-4-4-2012

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REEVES

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Jack Scott Reeves

All creditors of the estate of Jack Scott Reeves, late of Habersham County, Georgia, deceased, 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. This 6th day of March, 2012.

s/ Donald George Fry

Executor

Donald George Fry

295 Barron Drive

Clarkesville, Ga. 30523

4C-4-4-2012

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DAVIS

NOTICE TO DEBTORS AND CREDITORS

IN RE: Estate of Bruce Troy Davis

All creditors of the estate of Bruce Troy Davis, late of Habersham County, Georgia, deceased, 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. This 6th day of March, 2012.

s/ Mitchell Troy Davis

Administrator of Bruce Troy Davis Estate

Mitchell Troy Davis

5111 State Hwy. 17

Clarkesville, Ga. 30523

4C-4-4-2012

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BURGESS

NOTICE

GEORGIA, Habersham COUNTY PROBATE COURT

TO: All heirs known and unknown, Nellie Burgess has petitioned (for herself) to be appointed Administrator(s) of the estate of Ernest Wilson Burgess, 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. 532-12-261.) 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 April 9, 2012. 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.

Pamela F. Wooley

Probate Judge

By: Beth Cantrell

Probate Clerk/Deputy Clerk

P.O. Box 876

Clarkesville, Ga. 30523

ADDRESS

706-754-2013

TELEPHONE NUMBER

4C-4-4-2012

Habersham County

Superior Court

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TOMAS

IN THE SUPERIOR COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

In Re: Name Change for Lucia Miguel Andres, f/k/a Maria Jose Tomas, Petitioner

Civil Action File No. 12SUCV111RS

NOTICE OF PETITION TO CHANGE NAME

Lucia Miguel Andres, f/k/a Maria Jose Tomas, filed a petition in the Habersham County Superior Court on February 10, 2012, to change her name to Lucia Miguel Andres from Maria Jose Tomas. Notice is hereby given pursuant to law to any interested or affected party to appear in said Court and to file objections to such name change pursuant to O.C.G.A. §§ 19-12-1. Objections must be filed with said Court within 30 days of the filing of said petition.

This 20th day of February, 2012.

Lucia Miguel Andres, Petitioner

4C-3-21-2012

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KULOW

NOTICE OF PUBLICATION OF NAME CHANGE

Notice is hereby given that Susan L. Kulow has filed a Petition for Name Change on 2/23/12 in Habersham County Superior Court, Georgia, Case #12-SU-CV-156RS, praying for a name change for the minor child, Jenifer Ashley Stewart, to Jenifer Méchelle Kulow.

Notice is hereby given pursuant to law to any interested or affected party to appear in said Court and to file any objection to the change of name of the minor child with said Court within 30 days of the filing of said Petition.

This 24th day of February, 2012.

Submitted by:

Douglas L. Henry, Attorney for Petitioner

P.O. Box 1257

Clarkesville, GA 30523

706-754-5395

4C-3-21-2012

Habersham County

Juvenile Court

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CONTRERAS

IN THE JUVENILE COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

IN THE INTEREST OF:

(Children under 18 years of age)

J.C. Sex: M DOB: 05-20-2005 Case #68-12J-006

J.C. Sex: F DOB: 05-02-2004 Case #68-12J-007

SUMMONS AND PROCESS BY PUBLICATION

TO: BRANDY CONTRERAS formerly known as SHEDD (maiden name)

JESUS CONTRERAS, Legal/Putative Father

Any other persons claiming to have a parental interest in the minor children named above born to BRANDY CONTRERAS formerly known as SHEDD (maiden name) on the dates above-listed.

You are hereby notified that a Petition (Deprivation) and Request for Protective Order was filed before the Habersham County Juvenile Court. The parents of the above-named children are hereby commanded personally or by attorney to be and appear at the Habersham County Juvenile Court for a provisional hearing to be held on the 5th day of April, 2012, at 09:00 a.m., or as soon thereafter as counsel can be heard, at the Habersham County Courthouse in Clarkesville, Georgia, then and there to answer why Petitioner’s Petition (Deprivation) prayers for relief should not be granted. The findings of fact and orders of disposition made pursuant to the provisional hearing will become the final order by this Court unless the parents appear at the final hearing. The final hearing is only for the parent(s) who do not appear personally, or by attorney, at the provisional hearing.

Serve any answer on Petitioner’s attorney, Marie K. Evans, P.O. Box 2195, Clarkesville, Georgia 30523. A copy of the Petition (Deprivation) and Request for Protective Order in reference to the above-named children may be obtained from the Clerk’s office located at the courthouse in Habersham County, during business hours.

SO ORDERED, this 20th day of February 2012.

Honorable Robert D. Cullifer

Juvenile Court Judge

Mountain Judicial Circuit

4C-3-21-2012

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CONTRERAS

IN THE JUVENILE COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

IN THE INTEREST OF:

(Children under 18 years of age)

J.C. Sex: M DOB: 05-20-2005 Case #68-12J-006

J.C. Sex: F DOB: 05-02-2004 Case #68-12J-007

NOTICE TO BIOLOGICAL FATHER

TO: JESUS CONTRERAS, putative father

Any other persons claiming to have a parental interest in the minor children named above born to BRANDY SHEDD CONTRERAS on the dates above-listed.

By Order of this Court, for Service by Publication, you are hereby notified that the Habersham County Department of Family and Children Services filed a Petition (Deprivation) and Request for Protective Order on behalf of the above-named children.

In accordance with O.C.G.A. §15-11-96, be advised that you will neither receive notice of future proceedings before this Court nor be entitled to object to the placement of the above-named children unless, within thirty (30) days of receipt of this Notice, you file:

1. A Petition to Legitimate the child pursuant to O.C.G.A. §19-7-22; and

2. A Notice of the filing of such Petition to Legitimate with this Court or the Superior Court having jurisdiction over the above-styled action while this matter is pending before this Court, and such Notice is sent to Marie K. Evans, counsel for Habersham County Department of Family and Children Services at P.O. Box 2195, Clarkesville, GA 30523.

SO ORDERED, this 20th day of February 2012.

Honorable Robert D. Cullifer

Juvenile Court Judge

Mountain Judicial Circuit

4C-3-21-2012

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BECERRA

IN THE JUVENILE COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

IN THE INTEREST OF:

(Children under 18 years of age)

R.B. Sex: M DOB: 02-09-2007 Case #68-12J-075 & 077

C.A. Sex: F DOB: 02-10-2005 Case #68-12J-076 & 078

SUMMONS AND PROCESS BY PUBLICATION

TO: REGINA ALLISON. Mother

ROBERT BECERRA, Putative Father

WENDELL CROCKER, Putative Father

Any other persons claiming to have a parental interest in the minor children named above born to REGINA ALLISON on the date above-listed.

You are hereby notified that a a Petition (Deprivation) and Request for Protective Order and a Petition for Permanent Guardianship was filed before the Habersham County Juvenile Court. The parents of the above-named children are hereby commanded personally or by attorney to be and appear at the Habersham County Juvenile Court for a hearing to be held on the 12th day of April, 2012, at 09:00 a.m., or as soon thereafter as counsel can be heard, at the Habersham County Courthouse in Clarkesville, Georgia, then and there to answer Petitioner’s Petition (Deprivation) and Petition for Permanent Guardianship to answer why Petitioner’s prayers for relief should not be granted.

Serve any answer on Petitioner’s attorney, Marie K. Evans, P.O. Box 2195, Clarkesville, Georgia 30523. A copy of the a Petition (Deprivation) and Request for Protective Order and a Petition for Permanent Guardianship in reference to the above-named children may be obtained from the Clerk’s office located at the courthouse in Habersham County, during business hours.

SO ORDERED, this 7th day of March 2012.rable Robert D. CulliferJuvenile Court JudgeMountain Judicial Circuit

4C-4-4-2012

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BECERRA

IN THE JUVENILE COURT OF HABERSHAM COUNTY

STATE OF GEORGIA

IN THE INTEREST OF:

(Children under 18 years of age)

R.B. Sex: M DOB: 02-09-2007 Case #68-12J-075 & 077

C.A.

Sex: F DOB: 02-10-2005 Case #68-12J-076 & 078

NOTICE TO BIOLOGICAL FATHER

TO: ROBERT BECERRA, putative father of R.B.

WENDELL CROCKER, putative father of C.A.

Any other persons claiming to have a parental interest in the minor children named above born to REGINA ALLISON on the date above-listed.

By Order of this Court, for Service by Publication, you are hereby notified that the Habersham County Department of Family and Children Services filed a a Petition (Deprivation) and Request for Protective Order and a Petition for Permanent Guardianship on behalf of the above-named children.

In accordance with O.C.G.A. §15-11-96, be advised that you will neither receive notice of future proceedings before this Court nor be entitled to object to the placement of the above-named children unless, within thirty (30) days of receipt of this Notice, you file:

A Petition to Legitimate the child pursuant to O.C.G.A. §19-7-22; and

A Notice of the filing of such Petition to Legitimate with this Court or the Superior Court having jurisdiction over the above-styled action while this matter is pending before this Court, and such Notice is sent to Marie K. Evans, counsel for Habersham County Department of Family and Children Services at P.O. Box 2195, Clarkesville, GA 30523.

SO ORDERED, this 7th day of March 2012.HOnorable Robert D. Cullifer

Juvenile Court JudgeMountain Judicial Circuit

4C-4-4-2012

Invitation to Bid

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HABERSHAM COUNTY BOARD OF COMMISSIONERS

INVITATION TO BID

Sealed Proposals for the Leachate Tank Replacement for the Habersham County - S.R. 13 Municipal Solid Waste Landfill will be received by the Habersham County Board of Commissioners at the Habersham County Courthouse Annex, 115 Beaver Dam Road, Clarkesville, GA 30523, until 1:00 p.m. legal prevailing time on April 10, 2012, at which time and place they will be publicly opened and read aloud. No bid may be withdrawn after the closing time for the receipt of bids for a period of thirty (30) calendar days.

There will be a mandatory pre-bid meeting on March 27, 2012 , at 10:00 am at the Habersham County Landfill. The address for the landfill is 4900 Dicks Hill Parkway, Mt. Airy, Georgia.

The Work to be done consists of furnishing all materials and equipment and performing all labor necessary for the Leachate Tank Replacement and all incidental work required. The work will be awarded in one (1) contract.

Plans, Specifications and Contract Documents are on file and a paper copy or an electronic copy (pdf) may be obtained from Hodges, Harbin, Newberry & Tribble, Inc., 3920 Arkwright Road, Suite 101, Macon, GA 31201; (478) 743-7175 upon deposit of One Hundred Dollars ($100.00) per set NON-REFUNDABLE.

Payment of the Contract amount will be made on a periodic basis on applications for payment from the contractor and approved by the engineer based on work accomplished, products furnished and products stored at the site. Such progress payment requests shall be submitted by the contractor no later than the 25th day of each month during the term of the Contract and shall be paid by the Owner within thirty (30) days after receipt of approved progress payment requests, less the retainage and other deductions provided in the Contract Documents. Further details concerning the payment provisions of the Contract are contained in Section 14 of the General Conditions of the Contract Documents.

Bonds: All bids must be accompanied by a Bid Bond in an amount not less than ten percent (10%) of the amount bid. The Successful Bidder, if awarded the Contract, will be required to furnish a Performance Bond and Payment Bond, each in the amount of one hundred percent (100%) of the Contract amount.

The surety company on the contract performance bond shall be a surety company authorized to do business in the State of Georgia. Said bond and surety shall be subject to approval by the attorney for the OWNER.

Attorneys-in-fact who sign Bid Bonds must file with the bond a certified and effectively dated copy of their Power of Attorney. This shall be attached to the Bid Bond.

Owner’s Right: The OWNER reserves the right to reject any and all bids, to waive informalities, to waive minor irregularities, and to accept the lowest or best bid which appears to be in the best interest of Habersham County.

4C-3-21-2012

Habersham County

Goverment Agencies

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CITY OF CORNELIA

OFFICIAL PUBLIC NOTICE of INTENT TO REZONE, ZONE & ANNEX PROPERTY

PUBLIC HEARINGS FOR

REZONING, ZONING & ANNEXATIONS

ITEM 1: [Public Hearing] Consideration of a request by the City of Cornelia, owner, to establish zoning designation of property being annexed into the Cornelia City limits pursuant to O.C.G.A. §36-36-20(C). The applicant is seeking zoning and annexation of that property designated as follows: All that tract or parcel of land lying and being in Land Lot 103 of the 10th Land District of Habersham County Georgia, containing ±0.05 acres, more or less according to plat of survey prepared by Max Lewallen, R.S., dated December 14, 1984, said plat being recorded among Habersham County, Georgia Records in Plat Book 20, at page 286. Reference being made to said plat for a more complete description of the tract herein described. The property can also be described as being found on Tax Map 084, Page 046. The property can further be identified as being located at 2300 J. Warren Road; Cornelia, Georgia. A plat of the property is available for public viewing at Cornelia City Hall during regular business hours. This property currently has a Habersham County Land-use designation of LI, Low Intensity. Application has been filed to establish the zoning of this property as M.O.P., Municipal Owned Properties. The use of this property will not change as it will continue to be used by the City of Cornelia as the “J. Warren South Lift Station”.

ITEM 2: [Public Hearing] Consideration of a request by the City of Cornelia, owner, to establish zoning designation of property being annexed into the Cornelia City limits pursuant to O.C.G.A. §36-36-20(C). The applicant is seeking zoning and annexation of that property designated as follows: All that tract or parcel of land lying and being in Land Lot Number 104 of the 10th Land District of Habersham County, Georgia, containing 2.01 acres, more or less, and known and designated as Lot Number One (1) of the Thomas J. Warren Estate, according to survey and plat of J. G. King, dated February, 1973, and more fully described as follows: BEGINNING at iron pin corner on the John Purcell Road with lands of Mrs. May Ivie Alexander; thence along said Road South 32 degrees 27 minutes West 207 feet to iron pin corner; thence North 51 degrees 05 minutes West.428.3 feet to iron pin corner; thence North 34 degrees 29 minutes East 207 feet to concrete monument corner; thence South 50 degrees 59 minutes East 421 feet to iron pin corner, the point of Beginning, and being the same land described in and conveyed by a Quitclaim Deed from Jabel Warren to Harvey Linda Cruz, et al, dated April 26, 1985, and of record among the deed records of Habersham County, Georgia, in Deed Book 204, page 613, and being further be identified as being located at 2705 J. Warren Road; Cornelia, Georgia. A deed of the property is available for public viewing at Cornelia City Hall during regular business hours. This property currently has a Habersham County Land-use designation of LI, Low Intensity. Application has been filed to establish the zoning of this property as M.O.P., Municipal Owned Properties. The use of this property will not change as it will continue to be used by the City of Cornelia as the “J. Warren North Lift Station”.

ITEM 3: [Public Hearing] Consideration of a request by Jeffery L. Herrin, owner, to rezone property existing within the corporate limits of the City of Cornelia. This property currently has no physical “911” address. The property is located across the street from Scenic Drive and Cara Way. The applicant is seeking rezoning of all that tract or parcel of land lying in Land Lot 171 of the 10th Land District of Habersham County, Georgia, containing ±3.0 acres, more or less, as shown on a plat of survey prepared for Chris Thomas by Hubert Lovell, RLS, dated November 18, 2000, said plat being recorded among Habersham County, Georgia Records in Plat Book 49, at page 251. Reference being made to said plat for a more complete description of the tract herein described. The property can also be described as being found on Tax Map 089D, Parcel 083A. A plat of the property is available for public viewing at Cornelia City Hall during regular business hours. This property currently has a Zoning designation of B – 1; Neighborhood Business. Application has been filed to rezone this property as B – 2; General Business. The intended use of this property is for the use of a “Building & Selected Vehicle Sales” lot.

• The CITY OF CORNELIA MUNICIPAL PLANNING BOARD will hold a public hearing and make recommendation(s) on the above item(s) in the Cornelia Municipal Court Room, 156 Foreacre Street, on Thursday, March 22nd, 2012 at 7:00 p.m. At said hearing, all parties at interest and citizens shall have the opportunity to be heard relative to petition and application for zoning / rezoning submitted by the appropriate applicant(s).

• The CORNELIA CITY COMMISSION will hold a public hearing and consider the recommendation(s) of the Municipal Planning Board on the above item(s) in the Cornelia Municipal Court Room, 156 Foreacre Street, on Tuesday, April 10th, 2012 at 7:00 p.m. At said hearing, all parties at interest and citizens shall have the opportunity to be heard relative to petition and application for zoning / rezoning submitted by the appropriate applicant(s).

Note: Georgia Law requires that all parties who have made campaign contributions to any member of the Cornelia City Commission in excess of two hundred and fifty dollars ($250.) within two (2) years immediately preceding the filing of this request, and who desire to appear at the public hearing in opposition to the application, shall at least five (5) days prior to the public hearing, file a campaign contribution report with the Planning Department.

As set forth in the Americans with Disabilities Act of 1992, the City of Cornelia does not discriminate based on disability, and will assist citizens with special needs given adequate notice. For information, call 706-778-8585.

Respectfully,

Jeffery R. Barron, City Planner

3C-3-14-2012

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HABERSHAM COUNTY PLANNING DEPARTMENT

NOTICE OF PUBLIC HEARINGS

HABERSHAM COUNTY, GEORGIA

Please take notice that the following applications have been received by the Habersham County Planning Commission:

MAP AMENDMENT

Z-12-02 (amended): Application has been received from Cline Thomas Fricks, Jr. to change the mapping from AG to MI on a parcel of land located at 2110 Cody Road identified as Tax Map 130, Parcel 187A. This item was tabled at the March 6 meeting.

CONDITIONAL USE:

CU-12-02: Application has been received from Cline Thomas Fricks, Jr. in conjunction with Z-12-02 to add nine uses to the MI Mapping District in the event that the map amendment is approved. This item was tabled at the March 6 meeting

CONDITIONAL USE:

CU-12-01: Application from Habersham Village Partners LLC represented by Robert M. Cain seeking approval of a phased development of mixed uses on land located at 291 Habersham Mill Complex Drive identified as Tax Map 72 Parcels 22A ,22B , 22C, 22D, 22E, and 18C. . This item was tabled at the March 6 meeting

CONDITIONAL USE:

CU-12-03: Application from Jerry Loonubon on behalf of Wat Lao Buddha Sattha Dhamma seeking approval of outdoor events on the property located at 241 Buchanan Road Alto, Georgia identified as Tax Map 51, Parcel 12.

The public hearing on the above applications will be held at 6:00 p.m. in the courthouse located at 555 Monroe Street, Clarkesville, Georgia on the following dates:

Habersham County Planning Commissioners---Tuesday, April 3, 2012

Habersham County Board of Commissioners ----April 16, 2012.

All materials regarding the above items are available at the Habersham County Planning Department for the public to view prior to the hearings. Interested persons are invited to attend.

This 9th day of March 2012.

Habersham County Planning Department

1C-3-14-2012

Habersham County

Businesses, Incorporations

& Other Notices

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AMAZING GRACE AND ODDITIES, INC.

NOTICE OF INCORPORATION

Notice is given that articles of incorporation that will incorporate AMAZING GRACE AND ODDITIES, INC have been delivered to the Secretary of State for filing in accordance with the Georgia Nonprofit Corporation Code. The initial registered office is at 2658 Hollywood Church Rd, Clarkesville, GA 30523 and its initial registered agent is William Arthur Carney at 2658 Hollywood Church Rd, Clarkesville, GA 30523.

2C-3-21-2012

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CLARKESVILLE MINI STORAGE

NOTICE OF PUBLIC AUCTION

On Saturday, March 24th, 2012 at 10:30 am a Public Auction will be held at Clarkesville Mini Storage, 546 Bartley Wilbanks Drive, Clarkesville. Due to the non payment of rent the following units will be auctioned to the highest cash bidder:

#34, last rented to G Case, contents-household goods

#36, last rented to M Doss, contents-household goods.

#37, last rented to unknown squatter, contents unknown.

2C-3-21-2012

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COMMUNITY BANK & TRUST

NOTICE OF RELOCATION OF BRANCH OFFICE

Notice is hereby given that United Community Bank, Blairsville, Union County, Georgia has notified the Federal Deposit Insurance Corporation and the Georgia Department of Banking and Finance has filed an application for approval to relocate and consolidate its Cornelia branch office 255 North Main Street, Cornelia, Habersham County, Georgia 30531 to 1472 U.S. Highway 441 Bypass, Cornelia, Habersham County, Georgia 30531.

Any person wishing to comment on this relocation may file his or her comments in writing with the regional director of Federal Deposit Insurance Corporation, Thomas J. Dujenski, at the appropriate FDIC office, 10 Tenth Street, NE, Suite 800, Atlanta, GA 30309-3906, not later than 15 days after the date of this notice. Nonconfidential portions of the application filed with the Department are available for review in the offices of the Department during regular business hours. Costs associated with reproduction of records and formal hearings shall be borne by those persons requesting such information or hearings.

1C-3-14-2012