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1004|00047506|11/07/12|11/07/12|WAFR1107NOVEMBER 7, 14|05100053|30328-5511|NOTICE OF SALE UNDER POWER CONTAINED IN SECURITY DEEDSTATE OF GEORGIA, COUNTY OF
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1004|00047506|11/07/12|11/07/12|WAFR1107NOVEMBER 7, 14|05100053|30328-5511|NOTICE OF SALE UNDER POWER CONTAINED IN SECURITY DEEDSTATE OF GEORGIA, COUNTY OF Decatur Pursuant to a power of sale contained in a certain security deed executed by Andy Franklin Richardson, hereinafter referred to as Grantor, to Laura L. Beebe recorded in Deed Book 308, beginning at page 441, 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 December, 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. The entity that has full authority to negotiate, amend, and modify all terms of the Note and Security Deed is First National Acceptance Company, 241 East Saginaw, Suite 500, East Lansing, MI 48826, 800-292-1550. To the best of the undersigned's knowledge and belief, the party in possession of the property is believed to be Andy Franklin Richardson or tenant(s).Rose Land and Finance Corp, and as secured creditor,As Transferee and Assignee,As attorney-in-fact for the aforesaid GrantorCampbell & Brannon, L.L.C.Attorney at Law990 Hammond DriveSuite 800One Lakeside CommonsAtlanta, Georgia 30328(770) 392-0041THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT, AND ANYINFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. FNAC/Andy Franklin Richardson/P12-2171EXHIBIT "A"All that tract or parcel of land situate, lying and being in Lot of Land No. 293 in the 27th Land District of Decatur County, Georgia, and being more particularly described as follows: Beginning at the southwest corner of said lot of Land No. 293 and running thence North 2 degrees 49 minutes east along the western land lot line of said Lot of Land No. 293 a distance of 948.7 feet to a point; running thence North 88 degrees 53 minutes East a distance of 335.0 feet to an iron pin; thence North 2 degrees 49 minutes East a distance of 265.0 feet to the point of beginning. From said point of beginning thence North 2 degrees 49 minutes East 125 feet; thence South 88 degrees 53 minutes West a distance of 320.0 feet to a point on the eastern right-of-way line of a county road; thence South 2 degree 49 minutes west along said right-of-way line a distance of 125 feet; thence North 88 degrees 53 minutes East a distance of 320.0 feet to the point of beginning. Along with a 1984 Futurama Mobile Home Vin 21G10225D.WAFR1107NOVEMBER 7, 14, 21, 28

1004|00047510|11/07/12|11/07/12|WAJH1107NOVEMBER7, 14, |10105129|21237|STATE OF GEORGIACOUNTY OF DECATURNOTICE OF SALE UNDER POWER Under and by virtue of the Power of Sale contained in a Security Deed given by Alicia G. Hadley and Jay T. Hadley to Mortgage Electronic Registration Systems, Inc, dated December 15, 2008, recorded on January 20, 2009 in Deed Book 280, Page 214, Decatur County, Georgia Records, said Security Deed having been last sold, assigned, transferred and conveyed to One West Bank, FSB, the secured creditor, by Assignment conveying the after-described property to secure a Note in the original principal amount of One Hundred Eighteen Thousand Eight Hundred Ninety-Four and 00/100 DOLLARS ($118,894.00), with interest thereon as set forth therein, 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 December 4, 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 of Lot No.3 in Block "A" of the Mrs. Irene Parrish Subdivision located in Land Lot No.179 in the 15th District of Decatur County, Georgia, and being part of the same property described in Deed Book K-6, page 284, of the Deed Records of Decatur County, Georgia, according to a plat recorded in Slide A-62, page 150 of the Deed Records of Decatur County, Georgia, said Lot being 190 feet in width East and West by 210 feet North and South, together with concrete block residence located thereon.Being the same premises as conveyed in Deed from Jimmy R. Fowler and Linda Fowler recorded 10/11/05 in document number 004135, Book 203, page 418 in said County and State Said property is known as 163 Parrish Road, Bainbridge, GA 39817, together with all fixtures and personal property attached to and constituting a party of said property, if any. Said property will be sold as the property of Alicia G. Hadley and Jay T. Hadley, the property, to the best information, knowledge and belief of the undersigned, being presently in the possession of Alicia G. Hadley and Jay T. Hadley or a tenant or tenants. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet 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. 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 of the audit of the status of the loan as provided immediately above. 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, without limitation, attorneys' fees. Notice has been given of intention to collect attorneys' fees and other charges in accordance with the terms of the Note secured by said Deed. The balance, if any, will be distributed as provided by law. Pursuant to O.C.G.A. 44-14-162.2, the name, address and telephone number of the individual or entity who shall have the full authority to negotiate, amend, or modify all terms of the above-described mortgage on behalf of the secured creditor, One West Bank, FSB, is as follows: OneWest Bank, FSB, P. O. Box 4045, Kalamazoo, MI 49003, 800-781-7399. The foregoing notwithstanding, nothing in O.G.C.A. 44-14-162.2 shall require the secured creditor to negotiate, amend or modify the terms of the mortgage instrument.One West Bank, FSBas Attorney in Fact forAlicia G. Hadley and Jay T. HadleyMorris|Hardwick|Schneider, LLC1301 Hightower Trail, Suite 305 Sandy Springs, Georgia 30350http://foreclosure.closingsource.netTHIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. WAJH1107NOVEMBER7, 14, 21, 28

1004|00047498|11/07/12|11/07/12|WBAP1107NOVEMBER7, 14, 21|05100383|30341|STATE OF GEORGIACOUNTY OF DECATURNOTICE OF SALE UNDER POWERBecause of a default in the payment of the indebtedness secured by a Security Deed executed by Barbara A. Pugh to Mortgage Electronic Registration Systems, Inc. as nominee for Residential Finance Corp, An Ohio Corporation, and its successors and assigns dated October 14, 2008, and recorded in Deed Book 276, Page 476, Decatur 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 $119,351.00, 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, December 4, 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: THE FOLLOWING DESCRIBED PROPERTY SITUATED IN DECATUR COUNTY, GEORGIA, TO WIT:IN THE COUNTY OF DECATUR, STATE OF GEORGIA, AND BEING PART OF LOTS 19 AND 20 IN THE 19TH DISTRICT, DESCRIBED AS FOLLOWS: BEGINNING AT THE NORTHWEST CORNER OF LOT SOLD TO R. G. MCLENDON BY DEED DATED JUNE 8, 1943 AND RECORDED IN DEED BOOK E-5, PAGE 247, SAID CORNER BEING MARKED BY AN IRON STOB AND RUNNING NORTH ALONG THE EDGE OF THE CLIMAX-OPEN POND ROAD 150 FEET; THENCE RUNNING EASTERLY 750 FEET, MORE OR LESS, TO THE RUN OF BIG BRANCH; THENCE SOUTH ALONG THE RUN OF BIG BRANCH 150 FEET; THENCE WESTERLY ALONG THE NORTH LINE OF THE MCLENDON TRACT 850 FEET, MORE OR LESS, TO THE CLIMAX-OPEN POND ROAD AND THE POINT OF BEGINNING. Said property is known as 212 Earl Hester Road, Climax, GA 39834, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above.The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor.The property is or may be in the possession of Barbara A. Pugh, successor in interest or tenant(s).EverBank as Attorney-in-Fact for Barbara A. PughFile no. 12-031505SHAPIRO & SWERTFEGER, LLP*Attorneys and Counselors at Law2872 Woodcock Blvd., Suite 100Atlanta, GA 30341-3941(770) 220-2535/SJwww.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.[FC-NOS]WBAP1107NOVEMBER7, 14, 21, 28

1004|00047427|11/07/12|11/07/12|WHBC1107NOVEMBER7, 14, |10100303|30076|NOTICE OF SALE UNDER POWER GEORGIA, DECATUR 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 Henry S. Clark, Jr. and Betty A. Clark to SunTrust Mortgage, Inc., dated April 29, 2005, recorded in Deed Book 192, Page 472, Decatur County, Georgia Records, as last transferred to SunTrust Mortgage, Inc. by assignment to be recorded in the Office of the Clerk of Superior Court of Decatur County, Georgia Records,conveying the after-described property to secure a Note in the original principal amount of ONE HUNDRED SEVENTY-SEVEN THOUSAND NINE HUNDRED SEVENTY-THREE AND 0/100 DOLLARS ($177,973.00), 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 Decatur County, Georgia within the legal hours of sale on the first Tuesday in December, 2012, the following described property:All of that certain tract or parcel of land lying, situate and being in Land Lot 6 in the 20th District of Decatur County, Georgia, and being more particularly described as follows: All of Lot No. 4, containing 5 acres, more or less, as is shown and delineated on that plat of survey for William A. Betts dated December 8, 1999, prepared by R.G. Matthews, GRLS No. 2217, a copy of which is recorded in Plat Cabinet B, Slide 175-7, in the Office of the Clerk of the Superior Court of Decatur County, Georgia. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Security Deed and by law, including attorney fees (notice of intent to collect attorney fees having been given). Suntrust Mortgage, Inc. holds the Note and Security Deed to the above-referenced property and services the above-referenced loan on behalf of the current owner of the loan: SunTrust Mortgage, Inc.. Suntrust Mortgage, Inc. can be contacted at 866-384-0903 or by writing to 1001 Semmes Avenue, Richmond, VA 23224, to discuss possible alternatives to foreclosure, and has the authority to negotiate, amend or modify the terms of the loan. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. To the best knowledge and belief of the undersigned, the party in possession of the property is Henry S. Clark, Jr. and Betty A. Clark or a tenant or tenants and said property is more commonly known as Antioch Church Rd, Climax, Georgia 39834. 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. SunTrust Mortgage, Inc. as Attorney in Fact for Henry S. Clark, Jr. and Betty A. Clark Johnson & Freedman, LLC 1587 Northeast Expressway Atlanta, Georgia 30329 (770) 234-9181 www.jflegal.com MSP/mv5 12/4/12 Our file no. 1714412-FT19WHBC1107NOVEMBER7, 14, 21, 28

1004|00047501|11/07/12|11/07/12|WJOH1107NOVEMBER7, 14, |10103526|75001|Notice of Sale Under Power. State of Georgia, County of DECATUR. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by JOSEPHINE HUNTER to MORTGAGE MATTERS, INC. , dated 01/27/2000, and Recorded on 01/27/2000 as Book No. W-21 and Page No. 550-559, DECATUR County, Georgia records, as last assigned to WELLS FARGO BANK, N.A. (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $61,468.00, 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 DECATUR County Courthouse within the legal hours of sale on the first Tuesday in December, 2012, the following described property: THAT TRACT OR PARCEL OF LAND, WITH ALL IMPROVEMENTS THEREON, IN THE TOWN OF ATTAPULGUS, DECATUR COUNTY, GEORGIA, AND DESCRIBED AS FOLLOWS: BEGINNING AT A POINT WHERE THE NORTH SIDE OF DEPOT STREET INTERSECTS THE SOUTH SIDE OF STATE HIGHWAY NUMBER 1, THENCE RUNNING WEST ON THE NORTH SIDE OF DEPOT STREET A DISTANCE OF 148 FEET, THENCE DUE NORTH A DISTANCE OF 58 FEET, MORE OR LESS, THENCE IN EASTERLY DIRECTION ON THE SOUTH SIDE OF STATE HIGHWAY NUMBER 1 A DISTANCE OF 160 FEET, MORE OR LESS, TO THE POINT OF BEGINNING.SAID TRACT OF LAND LIES IN AND IS PART OF LOT OF LAND NUMBER 105 IN THE 20TH DISTRICT OF DECATUR COUNTY, GEORGIA, SAID TRACT BEING IN THE SHAPE OF A TRIANGLE. 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). WELLS FARGO BANK, N.A. holds the duly endorsed Note and is the current assignee of the Security Deed to the property. WELLS FARGO BANK, N.A., acting on behalf of and, as necessary, in consultation with WELLS FARGO BANK, N.A. (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. 44-14-162.2, WELLS FARGO BANK, N.A. may be contacted at: WELLS FARGO BANK, N.A., 3476 STATEVIEW BLVD., FORT MILL, SC 29715, 803-396-6000. Please note that, pursuant to O.C.G.A. 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 110 GRIFFIN AVENUE, ATTAPULGUS, GEORGIA 31715 is/are: JOSEPHINE HUNTER 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. WELLS FARGO BANK, N.A. as Attorney in Fact for JOSEPHINE HUNTER. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120010101527 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398. WJOH1107NOVEMBER7, 14, 21, 28

1004|00047503|11/07/12|11/07/12|WRLC1107NOVEMBER7, 14|10103526|75001|Notice of Sale Under Power. State of Georgia, County of DECATUR. Under and by virtue of the Power of Sale contained in a Deed to Secure Debt given by ROB CAIN AND LORI CAIN to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ("MERS") AS NOMINEE FOR U.S. BANK N.A. , dated 09/23/2010, and Recorded on 10/13/2010 as Book No. 311 and Page No. 146-163, DECATUR County, Georgia records, as last assigned to U.S. BANK NATIONAL ASSOCIATION (the Secured Creditor), by assignment, conveying the after-described property to secure a Note of even date in the original principal amount of $186,356.00, 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 DECATUR County Courthouse within the legal hours of sale on the first Tuesday in December, 2012, the following described property: THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF DECATUR, STATE OF GEORGIA, AND IS DESCRIBED AS FOLLOWS:ALL THAT CERTAIN TRACT OR PARCEL OF LAND LYING, SITUATE AND BEING IN LAND LOT NUMBER 317 OF THE 20TH LAND DISTRICT OF DECATUR COUNTY, GEORGIA, AND MORE PARTICULARLY DESCRIBED AS SUB LOT #25, ACCORDING TO A PLAT OF SURVEY OF THE SUMMERWOOD SUBDIVISION, PHASE TWO, DATED JULY 20, 2005, AND PREPARED BY LEROY R. HALL, GRLS NO. 2504, SAID PLAT RECORDED IN PLAT CABINET 35-4, PLAT RECORDS OF DECATUR COUNTY, GEORGIA. LEROY R. HALL, GRLS NO. 2504, SAID PLAT, RECORDED IN PLAT CABINET C, SLIDE 35-4, PLAT RECORDS OF DECATUR COUNTY, GEORGIA. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Deed to Secure Debt. Because the debt remains in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Deed to Secure Debt and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). U.S. BANK NATIONAL ASSOCIATION holds the duly endorsed Note and is the current assignee of the Security Deed to the property. U.S. BANK NATIONAL ASSOCIATION, acting on behalf of and, as necessary, in consultation with U.S. BANK NATIONAL ASSOCIATION (the current investor on the loan), is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. 44-14-162.2, U.S. BANK NATIONAL ASSOCIATION may be contacted at: U.S. BANK NATIONAL ASSOCIATION, 4801 FREDERICA ST, OWENSBORO, KY 42301, 855-698-7627. Please note that, pursuant to O.C.G.A. 44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 118 LAUREL LANE, BAINBRIDGE, GEORGIA 39819 is/are: ROB CAIN AND LORI CAIN 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 ROB CAIN AND LORI CAIN. THIS LAW FIRM IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 20120090100272 BARRETT DAFFIN FRAPPIER LEVINE & BLOCK, LLP 15000 Surveyor Boulevard Addison, Texas 75001 Telephone: (972) 341-5398. WRLC1107NOVEMBER7, 14, 21, 28

1004|00047497|11/07/12|11/07/12|WRLS1107NOVEMBER7, 14, |05100383|30341|STATE OF GEORGIACOUNTY OF DECATURNOTICE OF SALE UNDER POWERBecause of a default in the payment of the indebtedness secured by a Security Deed executed by Ryan Severe and Lisa Severe to Regions Bank d/b/a Regions Mortgage dated March 14, 2008, and recorded in Deed Book 263, Page 789, Decatur County Records, securing a Note in the original principal amount of $178,132.00, 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, December 4, 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 certain tract or parcel of land lying, situate and being in Land Lot No. 205 in the 15th Land District of Decatur County, Georgia, in the City of Bainbridge, Georgia, and being more particularly described as all of Lot No. 5-A of The Timbers as the same is shown and delineated on that plat of survey of The Timbers bearing a date of February 8, 2002, prepared by John T. Clark, III, GRLS No. 2241, a copy of which is recorded in Plat Cabinet B, Slide 198, in the Office of the Clerk of the Superior Court of Decatur County, Georgia. Said property is known as 1308 Majestic Avenue, Bainbridge, GA 39817, together with all fixtures and personal property attached to and constituting a part of said property, if any. Said property will be sold subject to any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable), the right of redemption of any taxing authority, any matters which might be disclosed by an accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The proceeds of said sale will be applied to the payment of said indebtedness and all expenses of said sale as provided in said Deed, and the balance, if any, will be distributed as provided by law. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the secured creditor.The property is or may be in the possession of Ryan Severe and Lisa Severe, successor in interest or tenant(s).Regions Bank DBA Regions Mortgage as Attorney-in-Fact for Ryan Severe and Lisa SevereFile no. 11-016355SHAPIRO & SWERTFEGER, LLP*Attorneys and Counselors at Law2872 Woodcock Blvd., Suite 100Atlanta, GA 30341-3941(770) 220-2535/CKwww.swertfeger.net *THE LAW FIRM IS ACTING AS A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.[FC-NOS]WRLS1107NOVEMBER7, 14, 21, 28

1004|00047500|11/07/12|11/07/12|WRRD1107NOVEMBER7, 14|10104014|30092|NOTICE OF SALE UNDER POWERGEORGIA, DECATUR COUNTY By virtue of a Power of Sale contained in that certain Security Deed from DERAN DOWNING AKA RANDY DOWNING, RHONDA Y. DOWNING to Mortgage Electronic Registration Systems,Inc. as nominee for COUNTRYWIDE HOME LOANS,INC., dated February 22, 2007, recorded March 6, 2007, in Deed Book 239, Page 350, Decatur County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of One Hundred Forty-Seven Thousand Four Hundred Seventy-Five and 00/100 dollars ($147,475.00), with interest thereon as provided for therein, said Security Deed having been last sold, assigned and transferred to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2007-5, secured creditor, there will be sold at public outcry to the highest bidder for cash before the courthouse door of Decatur County, Georgia, within the legal hours of sale on the first Tuesday in December, 2012, all property described in said Security Deed including but not limited to the following described property:THE FOLLOWING DESCRIBED PROPERTY:ALL THAT TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN LAND LOT 205 OF THE 15TH LAND DISTRICT OF THE CITY OF BAINBRIDGE, DECATUR COUNTY, GEORGIA, BEING DESIGNATED AS LOT NO. 7 OF THE FIRST ADDITION TO THE WHISPERING PINES SUBDIVISION, AND MORE PARTICULARLY DESCRIBED AS FOLLOWS: TO REACH THE POINT OFBEGINNING COMMENCE AT THE SOUTH RIGHT OF WAY LINE OF GEORGIA S.R. 97 A DISTANCE OF833.0 FEET NORTHEASTERLY OF THE SOUTHEAST INTERSECTION OF LINCOLN STREET WITH GEORGIA S.R. 97 AS MEASURED ALONG THE SOUTH RIGHT OF WAY LINE OFGEORGIA S.R. 97, AND FROM SAID POINT OF BEGINNING RUN THENCE NORTH 54 DEGREES 00 MINUTES EAST ALONG THE SOUTH RIGHT OF WAY LINE OF GEORGIA S.R. 97 A DISTANCE OF 105.0 FEET TO A POINT; THENCE RUN SOUTH 36 DEGREES 19 MINUTES 28 SECONDS EAST A DISTANCE OF 210.0 FEET TO A POINT; RUN THENCE SOUTH 54 DEGREES 00 MINUTES WEST A DISTANCE OF 105.0 FEET TO A POINT; RUN THENCE NORTH 36 DEGREES 19 MINUTES 28 SECONDS WEST A DISTANCE OF 210.0 FEET TO THE SOUTH RIGHT OF WAY LINE OF GEORGIA S.R. 97 AT THE POINT OF BEGINNING.PARCEL ID: B80-A-94Said legal description being controlling, however the property is more commonly known as 1612 VADA RD, BAINBRIDGE, GA 39817. The indebtedness secured by said Security Deed has been and is hereby declared due because of default under the terms of said Security Deed and Note, including but not limited to the nonpayment of the indebtedness as and when due. The indebtedness remaining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys` fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed and Note. Said property will be sold on an "as-is" basis without any representation, warranty or recourse against the above-named creditor or the undersigned. The sale will also be subject to the following items which may affect the title: any outstanding ad valorem taxes (including taxes which are a lien, whether or not now due and payable); the right of redemption of any taxing authority; matters which would be disclosed by an accurate survey or by an inspection of the property; all zoning ordinances; assessments; liens; encumbrances; restrictions; covenants, and any other matters of record superior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owner and party in possession of the property is DERAN DOWNING AKA RANDY DOWNING, RHONDA Y. DOWNING, or tenants(s). The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the Security Deed. The entity having full authority to negotiate, amend or modify all terms of the loan (although not required by law to do so) is: Bank of America, N.A., as successor by merger to BAC Home Loans Servicing, LP f/k/a Countrywide Home Loans Servicing, LP, Loss Mitigation Dept., 7105 Corporate Drive, PTX-A-274, Plano, TX 75024, Telephone Number: 800-720-3758 for and on behalf of the secured creditor.THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK,AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWABS INC., ASSET-BACKED CERTIFICATES, SERIES 2007-5as Attorney in Fact forDERAN DOWNING AKA RANDY DOWNING, RHONDA Y. DOWNINGTHE BELOW LAW FIRM MAY BE HELD TO BE ACTING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.Attorney Contact: Rubin Lublin, LLC, 3740 Davinci Court, Suite 150, Peachtree Corners, GA 30092Telephone Number: (877) 813-0992 Case No. BAC-12-05314-0003WRRD1107NOVEMBER7, 14, 21, 28

1004|00047527|11/07/12|11/07/12|WWBH1107NOVEMBER11, 14|05100223|30305| NOTICE OF SALE UNDER POWERGEORGIA, DECATUR COUNTYBecause of default in the payment of the indebtedness, secured by a Security Deed executed by William B Hogan to Mortgage Electronic Registration Systems, Inc. as nominee for Taylor, Bean & Whitaker Mortgage Corp., its successors and assigns dated October 13, 2006 in the amount of $155,000.00, and recorded in Deed Book 229, Page 343, Decatur 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 December, 2012 , during the legal hours of sale, at the Courthouse door in Decatur 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 No. 259 of the 15th Land District of Decatur County, Georgia, being described as Lot No. 5 of Newton Road Estates as shown on the plat of survey of said Newton Road Estates prepared by Larry W. Grogan, Georgia Registered Land Surveyor No. 1649, dated June 20, 2000, and recorded in Plat Cabinet B, Slide 183-7 of the deed records of Decatur County, Georgia, which plat and the record thereof are incorporated herein by reference.which has the property address of 2726 Newton Road, Bainbridge, Georgia., together with all fixtures and other personal property conveyed by said deed.The sale will be held subject to any unpaid taxes, assessments, rights-of-way, easements, protective covenants or restrictions, liens, and other superior matters of record which may affect said property. The sale will be conducted subject (1) to confirmation that the sale is not prohibited under the U.S. Bankruptcy Code and (2) to final confirmation and audit of the status of the loan with the holder of the security deed. Notice has been given of intention to collect attorneys' fees in accordance with the terms of the note secured by said deed. Notice has been also given, in writing and by certified mail, return receipt requested, to the borrower, of the name, address, and telephone number of the individual or entity who shall have full authority to negotiate, amend, and modify all terms of the Security Deed and the note thereby secured in accordance with O.C.G.A. Section 44-14-162.2(a).Said property will be sold as the property of William B Hogan 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.CenlaFSB Attorney in Fact for William B HoganMcCurdy & Candler, L.L.C.(404) 373-1612www.mccurdycandler.comWWBH1107NOVEMBER7, 14, 21, 28