NOTICE OF SALE

UNDER POWER

GEORGIA, PUTNAM 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 William M. Ridgway to Mortgage Electronic Registration Systems, Inc., dated October 30, 2006, recorded in Deed Book 574, Page 791, Putnam County, Georgia Records, as last transferred to BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P. by assignment recorded in Deed Book 681, Page 687, Putnam County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of TWO HUNDRED SIXTEEN THOUSAND TWO HUNDRED AND 0/100 DOLLARS ($216,200.00), 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 Putnam County, Georgia within the legal hours of sale on the first Tuesday in December, 2009, the following described property: SEE EXHIBIT A ATTACHED HERETO AND MADE A PART HEREOF

EXHIBIT A

All that tract or parcel of land together with all improvements thereon situate, lying and being in Land Lot 248, 2nd Land District, Putnam County, Georgia, the same being designated as Lot 11 of a subdivision of the Lands of Mrs. A.R. Jones, as shown on a Plat prepared by W.D. Maness, R.L.S. #493, recorded in Plat Book 2, Page 20, Clerk's Office, Putnam county Superior Court. Said plat and the recorded copy thereof are hereby made a part of this description by reference thereto for all purposes.

Commonly known as: 109 Flatrock Circle, Eatonton, GA, 31024

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: Bank of America, 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5722. 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 William M. Ridgway or a tenant or tenants and said property is more commonly known as 109 Flatrock Circle, Eatonton, Georgia 31024.

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.

BAC Home Loans Servicing, L.P. fka Countrywide Home Loans Servicing, L.P.

as Attorney in Fact for

William M. Ridgway

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/mcs 12/1/09

Our file no. 52144509-FT7

11-05,12,19,26c