7879 TR-28-4-20147 8/2

NOTICE OF SALE UNDER POWER, STEPHENS COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Karen Byers and Robert Byers to JPMorgan Chase Bank, N.A. dated 3/10/2011 and recorded in Deed Book 950 Page 249, STEPHENS County, Georgia records; as last transferred to JPMorgan Chase Bank, National Association by Assignment filed for record in STEPHENS County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $378,490.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of STEPHENS County, Georgia, within the legal hours of sale on the first Tuesday in August, 2012 (August 7, 2012), the following described property:

ALL THAT TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE MARTIN (1647) GMD, STEPHENS COUNTY, GEORGIA, ON THE WATERS OF LAKE HARTWELL, AND BEING KNOWN AND DESIGNATED AS LOT EIGHT (8), SEVEN FORKS CROSSFNG, SECTION ONE, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT AN IRON PIN CORNER ON THE NORTHWEST RIGHT OF WAY OF SEVEN FORKS TRAIL ADJACENT TO LOT 7 OF SAID SUBDIVISION; THENCE RUNNING ALONG THE NORTHWEST RIGHT-OF-WAY OF SEVEN FORKS TRAIL SOUTH 60 DEGREES 03 MINUTES WEST 72.4 FEET TO AN IRON PIN CORNER ADJACENT TO LOT 9; THENCE RUNNING ALONG LOT 9 NORTH 21 DEGREES 09 MINUTES WEST 440.9 TO AN IRON PIN CORNER ON US GOVERNMENT LAKE HARTWELL PROPERTY; THENCE RUNNING ALONG US GOVERNMENT LAKE HARTWELL PROPERTY NORTH 41 DEGREES 30 MINUTES EAST 163.7 FEET TO AN IRON PIN CORNER ADJACENT TO LOT 7; THENCE RUNNING ALONG LOT 7 SOUTH 12 DEGREES 50 MINUTES EAST 510.4 FEET TO THE IRON PIN POINT OP BEGINNING, ACCORDING TO PLAT OF SURVEY FOR SEVEN FORKS CROSSING. SECTION ONE, FOR JACK A. LOUDERMILK BY RUSSELL N. BARTLETT, R.S., DATED APRIL 1985, RECORDED IN PLAT BOOK 11, PAGE 247, STEPHENS COUNTY RECORDS, THE DESCRIPTION AS CONTAINED THEREIN BEING INCORPORATED HEREIN BY REFERENCE.

BEING THE SAME PROPERTY CONVEYED BY JACK A. LOUDERMILK TO CAUDELL, INC BY WARRANTY DEED DATED APRIL 11, 1985, RECORDED IN DEED BOOK 183, PAGE 472, STEPHENS COUNTY RECORDS.

THE ABOVE DESCRIBED PROPERTY IS SPECIFICALLY MADE AND IS CONVEYED SUBJECT TO THE RESTRICTIVE COVENANTS FOR SEVEN FORKS CROSSING SUBDIVISION DATED MARCH 27, 1985. RECORDED IN DEED BOOK 183, PAGES 160-61, STEPHENS COUNTY RECORDS, AS FULLY AND COMPLETELY AS THOUGH SAID LOT WERE ESPECIALLY DESCRIBED IN SAID RESTRICTIVE COVENANTS, AND IT IS THE INTENT OF THE GRANTOR HEREBY TO INCORPORATE THE AFORESAID RESTRICTIVE COVENANTS AND TO MAKE THE WITHIN LOT 8 SUBJECT THERETO.

PARCEL NUMBER: 067D-109

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 142 Seven Forks Trail, Martin, Georgia 30557 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): Karen Byers and Robert Byers 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.

JPMorgan Chase Bank, National Association as agent and Attorney in Fact for Karen Byers and Robert Byers

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. 1031-67039

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7886 TR-28-4-6563 8/2

NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF STEPHENS.

On February 13, 2004 Gerald H. McCormick and Brenda McCormick executed a Deed to Secure Debt to Stephens Federal Bank securing a note of even date for Fifty Six Thousand Dollars ($56,000.00), said security deed being recorded in Deed Book 646, Pages 137-160, Stephens County Records. Said security deed conveyed the property hereinafter described.

By virtue of the power of sale contained in said security deed to Stephens Federal Bank, there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Stephens County Government Building door in Stephens County, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in August, the same being August 7, 2012, the following described property:

All that tract or parcel of land CONTAINING 1.00 ACRE, more or less in the 267th GMD of Stephens County, Georgia and bounded now or formerly as follows: North by Tract No. 1 and lands of Stowe; East by lands of Stowe, South by State Route No. 145, and West by Tract No. 1.

Said tract of land being more particularly described according to a plat of survey prepared by Bartlett & Cash Land Surveyors, Inc., on April 8, 2002, for Gerald McCormick, which plat is recorded in Plat Book 17, Page 6 of the Public Records of Stephens County, and being shown thereon as tract No. 2, and is by reference incorporated herein as part of this description.

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

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

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Lloyd R. Hampton and Marion Hampton.

The entity with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor is Stephens Federal Bank, Phone Number (706) 886-2111.

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

Dated this 4th day of July, 2012.

Stephens Federal Bank, Attorney-in-fact for Gerald H. McCormick and Brenda McCormick

Janney E. Sanders

P. O. Box 1005

Toccoa, GA 30577

706/886-7533

Attorney for Stephens Federal Bank

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7887 TR-28-4-6563 8/2

NOTICE OF SALE UNDER POWER IN SECURITY DEED

STATE OF GEORGIA,

COUNTY OF STEPHENS.

On March 13, 2009 Joe H. Frady executed a Deed to Secure Debt to Stephens Federal Bank securing a note of even date for Eighty Thousand Dollars ($80,000.00), said security deed being recorded in Deed Book 850, Pages 138-153, Stephens County Records. Said security deed conveyed the property hereinafter described.

By virtue of the power of sale contained in said security deed to Stephens Federal Bank, there will be sold by the undersigned at public outcry to the highest bidder for cash, before the Stephens County Government Building door in Stephen County, Georgia, during the legal hours of sale, being 10 a.m. until 4 p.m. Eastern Time, on the first Tuesday in August, the same being August 7, 2012, the following described property:

All that tract or parcel of land situate, lying and being in the Toccoa (440) GMD, City of Toccoa, Stephens County, Georgia, CONTAINING 0.28 ACRE, lying on the South right of way of Willowdell Drive, and being known and designated as LOT NO. 84, PINE VALLEY SUBDIVISION, on a plat of survey for Kevin Allen and Charlene K. Feasel by G. Brian Slate, R. S., dated May 1, 1996 recorded in Plat Book 16, Page 16, Stephens County Records, the description as contained therein being incorporated herein by reference and being more particularly described as follows: BEGINNING at an iron pin found on the South right of way of Willowdell Drive adjacent to Lot No. 50 on the plat above described 177 feet Northwest from the right of way of Rosedale Street as measured along the South right of way of Willowdell Drive; thence running from the beginning iron pin found along Lot No. 50 South 30 degrees 01 minute 34 seconds West 117.15 feet to an iron pin found adjacent to Lot No. 49 on the plat above described; thence running along Lot No. 49 South 74 degrees 05 minutes 00 seconds West 58.49 feet to an iron pin set adjacent to Lot No. 83 on the plat above described; thence running along Lot No. 83 North 16 degrees 17 minutes 33 seconds West 122.36 feet to an iron pin found on the South right of way of Willowdell Drive; thence running along the South right of way of Willowdell Drive North 82 degrees 02 minutes 27 seconds East 100.00 feet and South 74 degrees 35 minutes 19 seconds East 52.03 feet to the beginning iron pin found.

The above described property being the same as conveyed from Kevin K. Allen to Gary S. Elkins and Paula S. Elkins by Warranty Deed dated August 6, 1999, recorded in Deed Book 447, Pages 97-98, Stephens County Records.

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

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

To the best knowledge and belief of the undersigned, equitable title to said property is now held by Joe H. Frady.

The entity with full authority to negotiate, amend and modify all terms of the mortgage with the Debtor is Stephens Federal Bank, Phone Number (706) 886-2111.

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

Dated this 4th day of July, 2012.

Stephens Federal Bank, Attorney-in-fact for Joe H. Frady

Janney E. Sanders P. O. Box 1005

Toccoa, GA 30577

706/886-7533

Attorney for Stephens Federal Bank

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7889 TR-28-4-20147 8/2

NOTICE OF SALE UNDER

POWER, STEPHENS COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by Michael D. Kinsey to Mortgage Electronic Registration Systems, Inc. as nominee for Alacrity Lending Company dated 12/16/2009 and recorded in Deed Book 916 Page 320, STEPHENS County, Georgia records; as last transferred to First American Mortgage Trust, Inc. by Assignment filed for record in STEPHENS County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 111,925.00, 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 STEPHENS County, Georgia, within the legal hours of sale on the first Tuesday in August, 2012 (August 7, 2012), the following described property:

That tract or parcel of land, lying and being in the 215th GMD of Stephens County, Georgia, containing 0.91 acre, more or less, as shown on a plat of survey prepared by Bartlett & Cash Land Surveyors, Inc., dated June 1, 2000, recorded in Plat Book 16, Page 667, Stephens County records; said plat being incorporated herein by reference for a more complete description of the property. This being a portion of the property conveyed by Warranty Deed from Stacy Smith to Timberlock Development, LLC dated April 10, 2007, recorded in Deed Book 804, Page 283, Stephens County 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 is commonly known as 1736 Defoor Road, Toccoa, Georgia 30577 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): Michael D. Kinsey 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.

T he 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.

First American Mortgage Trust, Inc. as agent and Attorney in Fact for Michael D. Kinsey

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. 1072-2851

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7891 TR-28-4-6984 8/2

STATE OF GEORGIA,

COUNTY OF STEPHENS

NOTICE OF SALE UNDER POWER

On February 24, 2000, Patrick Mayfield and Lisa Mayfield executed a Security Deed to Stephens Federal Bank, which is recorded in Deed Book 463, Pages 241-251, Stephens County Records. The Security Deed secured a note of even date in the original principal amount of $89,000.00.

By virtue of the power of sale contained in said Security Deed, there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Stephens County, Georgia, within the legal hours of sale on the first Tuesday in August, 2012, the same being August 7, 2012, the property described in and conveyed in said deed, to-wit:

All that tract or parcel of land situate, lying and being in the Toccoa (440) G.M.D., City of Toccoa, Stephens County, Georgia, CONTAINING 0.23 ACRE, lying on the West right of way of Walnut Street and on the North right of way of Schaefer Court, and at the intersection thereof, as set out on a plat of survey by Clelland A. Tyson, R.S., dated December 3, 1984, the description as contained therein being incorporated herein by reference, and being more particularly described as follows: BEGINNING at an iron pin corner located at the point of intersection of the West right of way of Walnut Street with the North right of way of Schaefer Court thence running from the beginning point along the North right of way of Schaefer Court North 87 degrees 00 minutes West 136.0 feet to an iron pin corner; thence running North 03 degrees 00 minutes East 75.0 feet to an iron pin corner adjacent to now or formerly Berryman property; thence running along now or formerly Berryman property South 87 degrees 00 minutes East 135.0 feet to an iron pin corner located on the West right of way of Walnut Street; thence running along the West right of way of Walnut Street South 03 degrees 00 minutes West 75.0 feet to the beginning iron pin corner.

The debt secured by said Security Deed and Note has been and is hereby declared due because of non-payment thereof. The debt remaining in default, this sale will be made for the purpose of satisfying the same and all expenses of this sale.

This property will be sold as the property of Patrick Mayfield and Lisa Mayfield, their executors, administrators, beneficiaries, heirs, successors and/or assigns as the case may be. Upon information and belief, this property is in the control of Patrick Mayfield and Lisa Mayfield.

This property will be sold subject to any and all ad valorem taxes, the right of redemption of any taxing authority, any matters which might be disclosed by a current and accurate survey and inspection of the property, any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants and any other 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 said Security Deed.

The undersigned will execute a Deed Under Power of Sale to the purchaser at said sale as provided in the aforementioned Security Deed.

Dated this 6th day of July, 2012.

STEPHENS FEDERAL BANK, TOCCOA, GEORGIA, AS ATTORNEY IN FACT FOR PATRICK MAYFIELD AND LISA MAYFIELD. DAVE STANCIL AT STEPHENS FEDERAL BANK, 2859 HWY 17 ALT., TOCCOA, GEORGIA 30577, TELEPHONE NUMBER 706-886-2111; SHALL HAVE FULL AUTHORITY TO NEGOTIATE, AMEND AND MODIFY THE TERMS OF THE MORTGAGE WITH THE DEBTOR.

McClure, Ramsay, Dickerson & Escoe, LLP

P.O. Drawer l408

Toccoa, Georgia 30577

(706) 886-3l78

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE ABOVE-REFERENCED LENDER AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.

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7890 TR-28-4-6984 8/2

STATE OF GEORGIA,

COUNTY OF STEPHENS

NOTICE OF SALE UNDER POWER

On May 11, 2005, Roger D. Brown and Lula F. Ritchie executed a Security Deed to Coats Federal Credit Union n/k/a Doco Regional Federal Credit Union, which is recorded in Deed Book 709, Pages 178-186, Stephens County Records. The Security Deed secured a note of even date in the original principal amount of $45,100.00.

By virtue of the power of sale contained in said Security Deed, there will be sold by the undersigned at public outcry to the highest bidder, for cash before the Courthouse door in Stephens County, Georgia, within the legal hours of sale on the first Tuesday in March, 2012, the same being March 6, 2012, the property described in and conveyed in said deed, to-wit:

All that tract or parcel of land together with improvements thereon lying and being in the 440th G.M.D., City of Toccoa, Stephens County, Georgia, CONTAINING 1.72 ACRES, more or less, and being all of Tract No. 2 (0.46 acre) and Tract No. 3 (1.26 acres) as shown on plat of survey for Rodney A. Thompson and Susan L. Thompson by G. Brian Slate, Registered Land Surveyor, dated October 4, 1996, recorded in Plat Book 16, Page 78, of the Stephens County Records, which plat of survey is incorporated herein by reference as part of this description.

Also conveyed is a perpetual non-exclusive easement for public road access and egress over, through and across the ?20? ingress-egress amount? shown running through the Easterly side of Tract No. 1 shown on Slate plat of survey referenced herein, said easement being an extension of the right of way of King Street and also an Easement over a portion of asphalt drive traversing property of ?Frady? shown on Slate plat of survey referenced herein.

The debt secured by said Security Deed and Note have been and is hereby declared due because of non-payment thereof. The debt remaining in default, this sale will be made for the purpose of satisfying the same and all expenses of this sale.

This property will be sold as the property of Roger D. Brown and Lula F. Brown, their executors, administrators, heirs, successors and/or assigns as the case may be. Upon information and belief, this property is in the control of Roger D. Brown and the Estate of Lula F. Ritchie

This property will be sold subject to any and all ad valorem taxes, the right of redemption of any taxing authority, any matters which might be disclosed by a current and accurate survey and inspection of the property, any assessments, liens, encumbrances, easements, zoning ordinances, restrictions, covenants and any other 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 said Security Deed.

The undersigned will execute a Deed Under Power of Sale to the purchaser at said sale as provided in the aforementioned Security Deed.

Dated this 6th day of July, 2012.

DOCO REGIONAL FEDERAL CREDIT UNION F/K/A COATS FEDERAL CREDIT UNION, GEORGIA, AS ATTORNEY IN FACT FOR ROGER D. BROWN AND LULA F. RITCHIE. EDDIE POWERS AT DOCO REGIONAL FEDERAL CREDIT UNION, P.O. BOX1300, TOCCOA, GEORGIA 30577, TELEPHONE NUMBER 706-886-3143; SHALL HAVE FULL AUTHORITY TO NEGOTIATE, AMEND AND MODIFY THE TERMS OF THE MORTGAGE WITH THE DEBTOR.

McClure, Ramsay, Dickerson & Escoe, LLP

P.O. Drawer l408

Toccoa, Georgia 30577

(706) 886-3l78

THIS LAW FIRM IS ATTEMPTING TO COLLECT A DEBT ON BEHALF OF THE ABOVE-REFERENCED LENDER AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE.

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7892 TR-28-4-10009 8/2

NOTICE OF SALE UNDER POWER

GEORGIA, STEPHENS COUNTY

Because of default in the payment of the indebtedness, secured by a Security Deed executed by Cecelia A Crocker and Royce Newton Crocker, Sr. to Stephens Federal Bank dated March 7, 2008 in the amount of $72,000.00, and recorded in Deed Book 850, Page 63, Stephens County, Georgia Records; the undersigned, Stephens Federal Bank 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 August, 2012 , during the legal hours of sale, at the Courthouse door in Stephens County, sell at public outcry to the highest bidder for cash, the property described in said deed to-wit:

All that tract or parcel of land, with improvements thereon, lying and being in the Big Smith (215th) G.M.D., Stephens County, Georgia, containing .695 of an acre, more or less, lying on the Southwest Right-of-Way of Abby Lane, being known and designated as Lot 5, Oak Valley Subdivision, in that certain Plat of Survey for Sandra M. Barrett by Michael J. Smith, Georgia Registered Land Surveyor, dated June 27, 1991, and recorded in Plat Book 15, Page 384, Stephens County Records, the description as contained therein being incorporated herein by reference, and being more particularly described as follows: Beginning at an iron pin found on the Southwest Right-of-Way of Abby Lane adjacent to Lot 4 on the above-described plat 747.5 feet Southeast from the Right-of-Way of Oak Valley Road, as measured along the Southwest Right-of-Way of Abby Lane; thence running from the beginning iron pin found along the Southwest Right-of-Way of Abby Lane South 28 Degrees 23 Minutes East 149.91 feet to an iron pin found adjacent to Lot 6 on the above-described plat; thence running along Lot 6 South 59 degrees 10 minutes West 199.91 feet to an iron pin found adjacent to now or formerly Benfield property; thence running along now or formerly Benfield property North 28 degrees 38 minutes West 152.60 feet to an iron pin found adjacent to Lot 4; thence running along Lot 4 North 59 degrees 57 minutes East 200.50 feet to the beginning iron pin found.

This is the same property as conveyed by Warranty Deed from Sandra M. Barrett f/k/a Sandra M. Barrett dated May 5, 2006, and recorded in Deed Book 758, Page 452-453, Stephens County Records.

This conveyance is made subject to Restrictive Covenants for Oak Valley Subdivision dated May 1, 1974, and recorded in Deed Book 123, Pages 626-628, Stephens County Records.

which has the property address of 168 Abbey Ln, Toccoa, 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 Cecelia A Crocker and Royce Newton Crocker, Sr. 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.

Stephens Federal Bank Attorney in Fact for

Cecelia A Crocker and Royce Newton Crocker, Sr.

McCurdy & Candler, L.L.C.

(404) 373-1612

www.mccurdycandler.com

The Toccoa Record

Publication Dates:07-12-2012, 07-19-2012, 07-26-2012, 08-02-2012

File No. 10-05275 /FHLMC/kcarr

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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7893 TR-28-4-20147 8/2

NOTICE OF SALE UNDER

POWER, STEPHENS COUNTY

Pursuant to the Power of Sale contained in a Security Deed given by David Tolbert and Deborah Tolbert to Full Spectrum Lending, Inc dated 9/26/2000 and recorded in Deed Book 483 Page 353, STEPHENS County, Georgia records; as last transferred to BANK OF AMERICA, N.A. by Assignment filed for record in STEPHENS County, Georgia records, conveying the after-described property to secure a Note in the original principal amount of $ 21,000.00, 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 STEPHENS County, Georgia, within the legal hours of sale on the first Tuesday in August, 2012 (August 07, 2012), the following described property:

All that certain parcel of land situate in Stephens County, State of Georgia, being known and designated as follows:

All that tract or parcel of land lying and being in the City of Toccoa, Stephens County, Georgia, known as Lot Six (6) of the Forest Hills Subdivision, as shown by plat of said subdivision recorded in Plat Book 3, Page 194, Stephens County Records, and being more particularly described as follows:

Beginning at an iron pin corner on the Northwest right of way of Hickory Circle adjacent to Lot 5 in said subdivision, said point being 650.45 feet from the intersection of the right of way of Hickory Circle with the right of way of Pond Street; thence running along the Northwest right of way of Hickory Circle South 43 degrees 50 minutes West 100 feet to an iron pin corner adjacent to Lot 7 of said subdivision; thence running along the line of Lot 7 North 45 degrees 58 minutes West 163.8 feet to an iron pin corner adjacent to now or formerly Crump property; thence running along now or formerly Crump property North 58 degrees 40 minutes East 50.0 feet to an iron pin corner adjacent to Lot 4 of said subdivision; thence along the line of Lot 4 North 43 degrees 30 minutes East 50.0 feet to an iron pin corner adjacent to Lot 5 of said subdivision; thence running along the line of Lot 5 South 46 degrees 30 minutes East 150.0 feet to the beginning iron pin corner. The aforesaid lot is also more fully shown by a plat of survey by Patton-Pless and Associates for Roy W. Pearce, Jr., dated April 12, 1972, the description as contained therein being incorporated herein by reference.

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

Said property is commonly known as 162 Hickory Circle, Toccoa, GA 30577 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): David Tolbert and Deborah Tolbert 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.

BANK OF AMERICA, N.A. as agent and Attorney in Fact for David Tolbert and Deborah Tolbert

Aldridge Connors, LLP, 15 Piedmont Center, 3575 Piedmont Road, N.E., Suite 500, Atlanta, Georgia 30305, (404) 994-7400.

THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1016-2953