Newspaper Page Text
PAGE 14D
THE JACKSON HERALD
WEDNESDAY, MARCH 10, 2010
Public Notices Continued
Minish
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/aet 4/6/10
Our file no. 51480509-FT5
EXHIBIT “A”
All that tract or parcel of land,
together with all improvements
thereon, situate, lying and
being in the City of Maysville,
G.M.D., 465, Jackson County,
Georgia, being Lot 11,
Freeman Place Subdivision,
containing 0.75 acre, more or
less, as per plat of survey
prepared for Billy Peebles
by Slate & Associates, Inc.,
Georgia Registered Surveyor,
dated May 22, 2000, recorded
at Plat Book 56, Page 156,
and plat prepared for Property
Development Group, Inc.,
at Plat Book 52, Page 150,
Jackson County, Georgia
Records, which recorded plats
are incorporated herein by ref
erence and made a part of
this description. Together with:
an ingress-egress easement
along Freeman Drive to the
intersection of Freeman Drive
and West Freeman Street,
This perpetual easement shall
run with the land. Subject to
restrictions and/or covenants
of record, if any, easements
of record and existing ease
ments and rights of way for
public roads and utilities now
in use., Property address: 362
Freeman Drive, Maysville, GA
30558 according to the present
numbering system in Jackson
County, Georgia. Map & Parcel
# 061-056 MR/aet 4/6/10 Our
file no. 51480509 - FT5
(MA10,17,24,31b/12062-70T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia, Jackson County
THIS LAW FIRM IS ACTING
AS A DEBT COLLECTOR
ATTEMPTING TO COLLECT
A DEBT. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
Linder and by virtue of the
Power of Sale contained
in a Security Deed given
by MICHAEL T. BRUCE
and KRISTA S. BRUCE to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated January 14, 2006,
recorded in Deed Book 42-N,
Page 335, Jackson County,
Georgia Records, as last trans
ferred to Wells Fargo Bank, NA
by assignment to be recorded
in the Office of the Clerk of
Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount
of ONE HUNDRED FIFTY-
FIVE THOUSAND AND 0/100
DOLLARS ($155,000.00), 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 Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 pro
vided 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 hav
ing been given). Said prop
erty will be sold subject to any
outstanding ad valorem taxes
(including taxes which are a
lien, but not yet due and pay
able), any matters which might
be disclosed by an accurate
survey and inspection of the
property, any assessments,
liens, encumbrances, zoning
ordinances, restrictions, cov
enants, 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 nego
tiate, amend, or modify the
terms of the mortgage instru
ment. To the best knowledge
and belief of the undersigned,
the party in possession of the
property is Michael T. Bruce
and Krista S. Bruce or a ten
ant or tenants and said prop
erty is more commonly known
as 432 Isaiah Dr., Jefferson,
Georgia 30549. 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.
Wells Fargo Bank, NA as
Attorney in Fact for Michael T.
Bruce and Krista S. Bruce
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/jj9 4/6/10
Our file no. 5366810-FT12
EXHIBIT “A”
All that tract or parcel of land
lying and being in Jackson
County, Georgia, 245th District
and being known and designat
ed as Lot 3, Block A, Unit Two
of Eagle Ridge Subdivision as
shown on plat recorded in Plat
Book 57, Page 197, Clerks
Office, Jackson Superior Court,
said plat is incorporated herein
by reference and made a part
hereof. MR/jj9 4/6/10 Our file
no. 5366810 - FT12
(MA10,17,245,31B/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson 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
JOSEPH R. MILLER JR., JR.
and CHRISTY A. MILLER to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated March 31, 2003,
recorded in Deed Book 295,
Page 774, Jackson County,
Georgia Records, as last
transferred to BAC Home
Loans Servicing, LP fka
Countrywide Home Loans
Servicing, LP by assignment
to be recorded in the Office
of the Clerk of Superior Court
of Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original principal
amount of ONE HUNDRED
FORTY-SEVEN THOUSAND
FIVE HUNDRED EIGHTY-
FOUR AND 0/100 DOLLARS
($147,584.00), 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 Jackson County,
Georgia within the legal hours
of sale on the first Tuesday
in April, 2010, 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 pro
vided 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 hav
ing been given). Said prop
erty will be sold subject to any
outstanding ad valorem taxes
(including taxes which are a
lien, but not yet due and pay
able), any matters which might
be disclosed by an accurate
survey and inspection of the
property, any assessments,
liens, encumbrances, zoning
ordinances, restrictions, cov
enants, and matters of record
superior to the Security Deed
first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA93536, (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 Joseph R. Miller Jr., Jr. and
Christy A. Miller or a tenant or
tenants and said property is
more commonly known as 306
Sawdust Trail, Nicholson,
Georgia 30565. 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,
LP fka Countrywide Home
Loans Servicing, LP as
Attorney in Fact for Joseph
R. Miller Jr., Jr. and Christy
A. Miller
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.fore-
closurehotline.net MR/abw
4/6/10
Our file no. 550210-FT11
EXHIBIT “A”
All that tract or parcel of
land, together with all improve
ments thereon, situate, lying
and being in the 1704 G.M.D.,
Jackson County, Georgia, and
more particularly described as
Lot 4, Block B, Kings Bridge
Crossing Subdivision, Unit
Two, as shown on a plat enti
tled “Final Plan for Kings Bridge
Crossing - Unit Two”, by W.T.
Dunahoo and Associates, W.T.
Dunahoo, Registered Land
Surveyor, dated June 21,2002,
and recorded in Plat Book 60,
Page 113, in the Office of the
Clerk of the Superior Court of
Jackson County, Georgia, said
plat being incorporated herein
by reference for a more partic
ular description of the property.
This property is also known as
306 Sawdust Trail, Nicholson,
Georgia, in accordance with
the present system of number
ing houses in Jackson County,
Georgia. MR/abw 4/6/10 Our
file no. 550210 - FT11
(MA10,17,24,31B/12062-70T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson 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
TERRY MAC CHANCEY to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated September 19,
2005, recorded in Deed Book
40-V, Page 185, Jackson
County, Georgia Records,
as last transferred to HSBC
Mortgage Services Inc. by
assignment to be recorded
in the Office of the Clerk of
Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount of
SEVENTY-FIVE THOUSAND
AND 0/100 DOLLARS
($75,000.00), 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 Jackson County,
Georgia within the legal hours
of sale on the first Tuesday
in April, 2010, 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 pro
vided 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 hav
ing been given). Said prop
erty will be sold subject to any
outstanding ad valorem taxes
(including taxes which are a
lien, but not yet due and pay
able), any matters which might
be disclosed by an accurate
survey and inspection of the
property, any assessments,
liens, encumbrances, zoning
ordinances, restrictions, cov
enants, 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:
HSBC Mortgage Services,
636 Grand Regency Blvd.,
Brandon, FL 33569, 800-365-
6730. 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
Terry Mac Chancey or a tenant
or tenants and said property is
more commonly known as 83
Mahaffey Circle, Jefferson,
Georgia 30549. 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.
HSBC Mortgage Services
Inc. as Attorney in Fact for
Terry Mac Chancey
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.fore-
closurehotline.net MR/kmh
4/6/10
Our file no. 5677210-FT8
EXHIBIT “A”
All that tractor parcel of land,
together with all improvements
thereon, situate, lying and
being in the City of Jefferson,
245th GMD, Jackson County,
Georgia, being known and
designated as Lot 13, Highview
Subdivision, and being more
particularly described accord
ing to a plat of survey by
Hancock and Black, Surveyors,
dated February 1961, record
ed in Plat Book 3, Page 378,
Jackson County records and
incorporated herein; being a
portion of the property con
veyed by deed recorded in
Deed Book 16-Y, Page 221,
said records. MR/kmh 4/6/10
Our file no. 5677210 - FT8
(MA10,17,24,31B/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson 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
VICTOR H. COMBS to
WELLS FARGO BANK, NA,
dated May 8, 2007, recorded
in Deed Book 48-Q, Page
675, Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original principal
amount of THREE HUNDRED
FOURTHOUSAND AND 0/100
DOLLARS ($304,000.00), 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 Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 pro
vided 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 hav
ing been given). Said prop
erty will be sold subject to any
outstanding ad valorem taxes
(including taxes which are a
lien, but not yet due and pay
able), any matters which might
be disclosed by an accurate
survey and inspection of the
property, any assessments,
liens, encumbrances, zoning
ordinances, restrictions, cov
enants, 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 Victor H. Combs or a ten
ant or tenants and said prop
erty is more commonly known
as 51 Sweetwater Ridge,
Hoschton, Georgia 30548.
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.
Wells Fargo Bank, NA as
Attorney in Fact for Victor H.
Combs
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.fore-
closurehotline.net MR/wa2
4/6/10
Our file no. 5652710-FT7
EXHIBIT “A”
All that tract or parcel of land
lying and being in GMD 248,
Jackson County, Georgia,
being Lot 84, River Plantations
Subdivision, as per plat record
ed in Plat Book 50, Pages 192
through 194, Jackson County
Records, which plat is hereby
referred to and made a part
of this description. MR/wa2
4/6/10 Our file no. 5652710
- FT7
(MA 10,17,24,31b/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson 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
TIMOTHY SOLDWISH
and CINDY SOLDWISH to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated April 17, 2007,
recorded in Deed Book 48-K,
Page 438, Jackson County,
Georgia Records, as last trans
ferred to BAC Home Loans
Servicing, LP fka Countrywide
Home Loans Servicing LP by
assignment recorded in Deed
Book 53R, Page 225, Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount
of ONE HUNDRED NINETY-
TWO THOUSAND EIGHTY-
TWO AND 0/100 DOLLARS
($192,082.00), 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 Jackson County,
Georgia within the legal hours
of sale on the first Tuesday
in April, 2010, 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 pro
vided 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 hav
ing been given). Said prop
erty will be sold subject to any
outstanding ad valorem taxes
(including taxes which are a
lien, but not yet due and pay
able), any matters which might
be disclosed by an accurate
survey and inspection of the
property, any assessments,
liens, encumbrances, zoning
ordinances, restrictions, cov
enants, and matters of record
superior to the Security Deed
first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA93536, (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 proper
ty is Timothy Soldwish and
Cindy Soldwish or a tenant or
tenants and said property is
more commonly known as 33
River Mist Circle, Jefferson,
Georgia 30549. 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,
LP fka Countrywide Home
Loans Servicing LP as Attorney
in Fact for Timothy Soldwish
and Cindy Soldwish
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/lw9 4/6/10
Our file no. 52543408-FT11
EXHIBIT “A”
All that tract of parcel of land
lying and being in the 245th
GMD of Jackson County,
Georgia, and being Lot 2,
River Mist Plantation, Phase 1,
according to that Plat of Survey
for River Mist Plantation, by
Patton-Boyer, Inc., Certified by
Chris M. Patton, Georgia RLS
2647, dated July 21, 2005
and recorded in Plat Book
68, Pages 137-141, Jackson
County, Georgia Records,
which Plat is incorporated
herein and made a part hereof
by reference hereto for a more
complete and detailed descrip
tion of the property conveyed
herein. MR/lw9 4/6/10
(MA10,17,24,31B/12062-60T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson 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 con
tained in a Security Deed
given by BARRY BAKER to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated October 26, 2007,
recorded in Deed Book 0050-
P, Page 0181, Jackson County,
Georgia Records, as last trans
ferred to BAC Home Loans
Servicing, LP fka Countrywide
Home Loans Servicing LP by
assignment to be recorded
in the Office of the Clerk of
Superior Court of Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount
of ONE HUNDRED TEN
THOUSAND SIX HUNDRED
THIRTY-FIVE AND 0/100
DOLLARS ($110,635.00), 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 Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in April, 2010, the fol
lowing 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 pro
vided 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 hav
ing been given). Said prop
erty will be sold subject to any
outstanding ad valorem taxes
(including taxes which are a
lien, but not yet due and pay
able), any matters which might
be disclosed by an accurate
survey and inspection of the
property, any assessments,
liens, encumbrances, zoning
ordinances, restrictions, cov
enants, and matters of record
superior to the Security Deed
first set out above.
The entity that has full author
ity to negotiate, amend, and
modify all terms of the mort
gage with the debtor is: Bank
of America, 177 Countrywide
Way, Mail Stop: CAO-911-01-
05, Lancaster, CA93536, (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 Barry Baker or a tenant
or tenants and said property
is more commonly known as
167 Hunters Ridge Lane,
Nicholson, Georgia 30565.
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,
LP fka Countrywide Home
Loans Servicing LP as Attorney
in Fact for Barry Baker
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.foreclo-
surehotline.net MR/lw9 4/6/10
Our file no. 5197010-FT11
EXHIBIT “A”
All that tract or parcel of land
lying and being in the 253rd
District, G.M., Jackson County,
Georgia, being in particular Lot
43, Block C, Section 2 of the
Fox Chase Subdivision, con
sisting of 0.75 acres, more
or less, and being depicted
and delineated on that cer
tain plat of survey recorded
in Plat Book 42, Page 22 of
the Jackson County, Georgia
Plat Records, which survey is
incorporated herein by refer
ence and made a part hereof
for a more complete and accu
rate description of said prop
erty. This is the same property
referenced in that certain war
ranty deed dated August 14,
2003, recorded in Deed Book
31-L, Page 587 of the Jackson
County, Georgia deed records;
Together with an immovable
and permanent fixture attached
thereto, a 2007 Fleetwood
28 x 56 Manufactured Home,
Model Eagle Trace Xtreme
4664E, Serial Number(s)
GAFL707AB7450-ER11. Map
and Parcel No.: 013A-072 MR/
Iw9 4/6/10
(MA10,17,24,31B/12062-70T1P)
gpn11
Notice of Sale
Notice of Sale Under Power
Georgia Jackson 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
RANI D. ACHAIBAR to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated September 21,
2007, recorded in Deed Book
0050-E, Page 0166, Jackson
continued on following page