NOTICE OF SALE UNDER POWER

GEORGIA, PICKENS COUNTY

Under and by virtue of the Power of Sale contained in a Security Deed given by Timothy Raynes and Gladys J Raynes to Mortgage Electronic Registration Systems, Inc., dated November 14, 2008, recorded in Deed Book 842, Page 343, Pickens County, Georgia Records, as last transferred to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing, LP by assignment recorded in Deed Book 930, Page 372, and as re-recorded in Deed Book 963, Page 425, Pickens County, Georgia Records, conveying the after-described property to secure a Note in the original principal amount of One Hundred Seventy-Three Thousand Five Hundred Sixty-Five and 0/100 Dollars ($173,565.00), 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 Pickens County, Georgia within the legal hours of sale on the first Tuesday in August, 2012, the following described property:

See Exhibit 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: Bank of America, N.A., 177 Countrywide Way, Mail Stop: CAO-911-01-05, Lancaster, CA 93536, (661) 951-5100. 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 Timothy Raynes and Gladys J Raynes or a tenant or tenants and said property is more commonly known as 397 Mountain Lake Drive, Jasper, Georgia 30143.

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.

EXHIBIT All that tract or parcel of land lying and being in Land Lot 170 of the 13th District, 2nd Section, Pickens County, Georgia, being Lot 14, Mountain Lake Estates Subdivision, Unit 3, as per plat of survey for Timothy and Gladys J. Raynes dated May 10, 1991, by Ted S. Chadwick, R.L.S., and recorded in Plat Book S, Page 170, Pickens County, Georgia Records. Being the same property conveyed to Timothy Raynes and Gladys J. Raynes, by Warranty Deed dated May 15, 1991, of record in Deed Book 174, Page 649, in the Pickens County, Georgia Records. Being the same property commonly known as 397 Mountain Lake Drive, Jasper, Georgia 30143 Tax ID No.: 063-053

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 Timothy Raynes and Gladys J Raynes

McCalla Raymer, LLC

1544 Old Alabama Road

Roswell, Georgia 30076

www.foreclosurehotline.net

MR/ms3 8/7/12

Our file no. 5356812-FT11

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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