Newspaper Page Text
WEDNESDAY, OCTOBER 20, 2010
THE JACKSON HERALD
PAGE 9C
Public Notices Continued
Magistrate Court
Magistrate Court
Week of October 11, 2010
•Stacie Ricketts vs. David Lee - Post Judgment Interrogatories
• Investment Housing vs. G. Machaca & Occupants - Summons of Dispossessory
• U.S. Bank National Association as Trustee vs. Ryan Boyd and Any Other Occupants
- Summons of Dispossessory
• Madison Credit Bureau Associates, Inc. vs. Jessica Nix-Suit on Account
• Reliable Loan Co. vs. Kim A. Sisk AKA Kim A. Gragg - Suit on Account
• Donald Redmon vs. Kathy & Tommy McElhannon - Summons of Dispossessory
• Robbie Tiller vs. Dorothy McKnight — Suit to Recover Monies on Loan
•Stephens County Hospital vs. Cathy L. Miller - Defendant - TD Automotive
Compressor Georgia, LLC - Garnishee - Summons of Continuing Garnishment
• Federal Home Loan Mortgage Corporation vs. Adam Richard Christian and All Others
- Summons of Dispossessory
•Jerry Henderson vs. Vesta Joiner and Alexandros Kavadas -Writ of Possession
• BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing, LP vs.
John Wilkinson, Brittany Wilkinson and Gerald Wilkinson and/or Occupants - Writ of
Possession
• LVNV Funding, LLC as Assignee and Purchaser of GE Capital - JC Penney
Consumer vs. Janice Steadman - Writ of Fieri Facias
• LVNV Funding, LLC as Assignee and Purchaser of Household Bank (SB), N.A. vs.
Johnathan H. Hale-Writ of Fieri Facias
• LVNV Funding, LLC as Assignee and Purchaser of CitiBank - The Home Depot
Consumer vs. Susan 0. Graham - Writ of Fieri Facias
• LVNV Funding, LLC as Assignee and Purchaser of CitiBank - Sears Gold Mastercard
vs. Stanley S. O’Kelley - Writ of Fieri Facias
• Crown Point Properties Mgmt., LLC vs. Ronald Crawley and All Others-Summons
of Dispossessory
• Crown Point Properties, Mgmt., LLC vs. Chasity & Cooper Williams and All Others
- Summons of Dispossessory
• Holiday Credit Corp. vs. Carlotta Appling - Defendant - Mayfield Dairy - Garnishee
- Summons of Continuing Garnishment
•World Finance Corp. of GA vs. Ashley Hill - Suit on a Note
•Advance Finance vs. Anthony Mize - Suit on a Note
• LVNV Funding, LLC as Assignee and Purchaser of GE Capital - JC Penney
Consumer Card vs. Jannie Reece - Suit on Contract
• LVNV Funding, LLC as Assignee and Purchaser of Capital One vs. Mark R. Tegeder
AKA Mark Robert Tegeder - Suit on Contract
• Hurricane Holdings, Inc. Assignee of Chase Bank vs. Robert D. Barnett - Suit on
Contract
•SunTrust Bank vs. William Bradford Redd - Suit on Contract
• Investment Housing vs. R. Griffith - Summons of Dispossessory
• Pat Hodsdon vs. Kim Brank & Occupants - Summons of Dispossessory
Default Judgments
• Reliable Loan Co. vs. Derek Lee - Suit on a Note
• Reliable Loan Co. vs. Pierre Martin - Suit on a Note
• Reliable Loan Co. vs. Marvin Harris - Suit on a Note
• Collection Services of Athens, Inc. Assignee for Athens Regional Medical Center vs.
Maxine A. Seagraves - Suit on Account
• Collection Services of Athens, Inc. Assignee for Athens Regional Medical Center vs.
Brendan Hawkins - Suit on Account
• Olympic Oil Company vs. James Russell Sudderth DBA Sudderth Bobcat Service
-Suit on Account
Ordinance Hearings
Week of October 5, 2010
•Jackson County vs. Brian (Bryan) Boggs - Violation of County Ordinance - No
Development Permit - Reguested Transfer to State Court - Case Transferred
•Jackson County vs. Brian (Bryan) Boggs - Violation of County Ordinance - No
Building Permit - Requested Transfer to State Court - Case Transferred
•Jackson County vs. Brian (Bryan) Boggs - Violation of County Ordinance - No Sign
Permit - Requested Transfer to State Court - Case Transferred
•Jackson County vs. Brian (Bryan) Boggs - Violation of County Ordinance - No Land
Disturbance - Requested Transfer to State Court - Case Transferred
•Jackson County vs. Steve Wade Lambert-Violation of County Ordinance - Nuisance
Animal - Fine $162.50 - Fine Paid
•Jackson County vs. Steve Wade Lambert - Violation of County Ordinance - Leash
Law - Fine $162.50 - Fine Paid
•Jackson County vs. Brian Dresitadt - Violation of County Ordinance - Rabies
Vaccine - Fine $162.50 - Fine Paid
•Jackson County vs. Brian Dresitadt - Violation of County Ordinance - Leash Law -
Fine $162.50-Fine Paid
•Jackson County vs. Brian Dresitadt - Violation of County Ordinance - Nuisance
Animal - Fine $162.50 - Fine Paid
•Jackson County vs. Juliet Elizabeth Barber - Violation of County Ordinance - Leash
Law - Fine $162.50 - Fine Paid
•Jackson County vs. Juliet Elizabeth Barber - Violation of County Ordinance -
Nuisance Animal - Fine $162.50 - Fine Paid
•Jackson County vs. Juliet Elizabeth Barber - Violation of County Ordinance - Rabies
Vaccine (2cts) - $162.50 - Fine Paid
•Jackson County vs. Ashley Q. Wilson - Violation of County Ordinance - Rabies
Vaccine - Dismissed by Court
•Jackson County vs. Ashley Q. Wilson - Violation of County Ordinance - Leash
Law - Fine $162.50 - Fine Paid
•Jackson County vs. James Frank Hewell - Violation of County Ordinance - Rabies
Vaccine - Fine $162.50 - Fine Paid
•Jackson County vs. Laura Mayo - Violation of County Ordinance - Rabies Vaccine
(3cts) - Fine $162.50 - Fine Paid
•Jackson County vs. Laura Mayo-Violation of County Ordinance-Leash Law - Fine
$162.50-Fine Paid
•Jackson County vs. Travis V. Bowen - Violation of County Ordinance - Rabies
Vaccine - Fine $162.50 - Fine Paid
•Jackson County vs. Russell Tyler Dalton - Violation of County Ordinance - Leash
Law - Fine $162.50 - Fine Paid
•Jackson County vs. Russell Tyler Dalton - Violation of County Ordinance - Nuisance
Animal - Fine $212.50 - Fine Paid
rights-of-way and any other
matters of record superior to
said Security Deed. To the
best of the knowledge and
belief of the undersigned, the
party in possession of the prop
erty is Donna Barnhart-Onate
and Jarrod Valenzuela, Donna
Barnhart-Onate and Jarrod
Valenzuela, 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 BELOW LAW FIRM
MAYBE HELDTO BE ACTING
AS A DEBT COLLECTOR-
UNDER FEDERAL LAW. IF
SO. ANY INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
U.S. BANK NATIONAL
ASSOCIATION, AS TRUSTEE
FOR THE SPECIALTY
UNDERWRITING AND
RESIDENTIAL FINANCE
TRUST MORTGAGE
LOAN ASSET-BACKED
CERTIFICATEST SERIES
2006-BC3 as Attorney in Fact
for DONNA BARNHART-
ONATE AND JARROD
VALENZUELA
Lender Contact: BAC,
Loss Mitigation Dept., P.O.
Box 940070, Simi Valley, CA
93094-0070
Telephone Number: 800-
720-3758
Attorney Contact: Rubin
Lublin Suarez Serrano, LLC,
3740 Davinci Court, Suite 100,
Norcross, GA 30092
Telephone Number: (888)
890-5309 Case No. BAC-10-
08424-1
(OC6,13,20,27B/18915-70)
gpnll
Notice of Sale
Notice of Sale Under Power
State of Georgia, County of Jackson
Because of a default in
the payment of the indebt
edness secured by a
Security Deed executed
by MICHAEL A. HINSON
and TAMMEY HINSON to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC. dated February 28, 2002,
and recorded in Deed Book
26-B, Page 89, Jackson
County Records, said Security
Deed having been last sold,
assigned, transferred and
conveyed to JPMorgan Chase
Bank, National Association, by
Assignment, securing a Note
in the original principal amount
of $146,200.00, 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, November 2, 2010,
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 tract or parcel of land
lying and being in GMD 1765,
Jackson County, Georgia,
being Lot 33, Remington Park
on the River, as shown on plat
of said subdivision recorded in
Jackson County Plat Records
at Plat Book 57, Page 111,
which plat is incorporated
herein by reference for a more
complete description.
Said property is known as
39 Candler Drive, Braselton,
GA 30517, 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, encum
brances, 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.
Notice has been given of
intention to collect attorney’s
fees in accordance with the
terms of the Note secured by
said Deed.
Said property will be sold
as the property of Michael
A. Hinson and Tammey
Hinson, the property, to the
best information, knowledge
and belief of the undersigned,
being presently in the pos
session of Michael A. Hinson
and Tammey Hinson, and
the proceeds of said sale will
be applied to the payment of
said indebtedness and all the
expenses of said sale, includ
ing attorney’s fees, all as pro
vided in said Deed, and the
balance, if any, will be distrib
uted as provided by law.
JPMorgan Chase Bank,
National Association as
Attorney-in-Fact for Michael A.
Hinson and Tammey Hinson
File no. 10-004510
SHAPIRO &
SWERTFEGER, LLP*
Attorneys and Counselors
at Law
2872 Woodcock Blvd., Suite
100
Atlanta, GA 30341-3941
(770)220-2535/BMB
www.swertfeger.net
*THE LAW FIRM IS ACTING
AS A
DEBT COLLECTOR.
ANY
INFORMATION
OBTAINED WILL BE USED
FOR THAT PURPOSE.
[FC-NOS]
(OC6,13,20,27B/1323-60T1P)
gpnll
Notice of Sale
Notice of Sale Under Power
Georgia Jackson County
By virtue of a Power of
Sale contained in that cer
tain Security Deed from
MICHAEL JAMES EVANS
and PAMELA TURNBOW to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., acting solely as nominee
for COUNTRYWIDE HOME
LOANS, INC., dated February
14, 2007, recorded March 16,
2007, in Deed Book 47-X,
Pages 1-8, Jackson County,
Georgia Records, said
Security Deed having been
given to secure a Note of even
date in the original principal
amount of ONE HUNDRED
SEVEN THOUSAND
FOUR HUNDRED THIRTY
AND 00/100 DOLLARS
($107,430.00), with interest
thereon as provided for there
in, said Security Deed hav
ing been last sold, assigned
and transferred to BAC Home
Loans Servicing, LP fka
Countrywide Home Loans
Servicing, LP, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia, within the
legal hours of sale on the first
Tuesday in November, 2010,
all property described in said
Security Deed including but
not limited to the following
described property:
All that tract or parcel of
land lying and being in GMD
256, Jackson County, City of
Commerce, Georgia:
Being Lot 5, Block A, Deer
Creek on plat of said sub
division recorded in Jackson
County Plat Records at Plat
Book 57, Page 251, which
plat is incorporated herein by
reference for a more complete
description.
Also conveyed herewith is a
1/29th undivided interest per
lot in the “Amenity Site” as
shown on the above reference
plat.
Commonly known as 373
Baugh Street, Commerce, GA
30529
However, by showing this
address no additional cover
age is provided.
Said property is commonly
known as 373 Baugh Street,
Commerce, GA 30529.
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 attor
neys' fees and all other pay
ments provided for under the
terms of the Security Deed
and Note.
Said property will be sold
subject to the following items
which may affect the title to
said property: all zoning ordi
nances; matters which would
be disclosed by an accurate
survey or by an inspection of
the property; any outstand
ing taxes, including but not
limited to ad valorem taxes,
which constitute liens upon
said property; special assess
ments; all outstanding bills for
public utilities which constitute
liens upon said property; any
rights of redemption, if appli
cable, by the United States
of America, pursuant to 26
U.S.C. 7425(d)(1); all restric
tive covenants, easements,
rights-of-way and any other
matters of record superior to
said Security Deed. To the
best of the knowledge and
belief of the undersigned, the
party in possession of the
property is Michael James
Evans and Pamela Turnbow,
Michael James Evans, Pamela
Turnbow, 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 BELOW LAW
FIRM
IS ACTING
AS A
DEBT
COLLECTOR.
ANY
INFORMATION OBTAINED
WILL
BE USED FOR
THAT
PURPOSE.
BAC HOME LOANS
SERVICING, LP FKA
COUNTRYWIDE HOME
LOANS SERVICING, LP as
Attorney in Fact for MICHAEL
JAMES EVANS AND PAMELA
TURNBOW
Lender Contact: BAC,
Loss Mitigation Dept., P.O.
Box 940070, Simi Valley, CA
93094-0070
TELEPHONE NUMBER:
800-720-3758
Attorney Contact: Rubin
Lublin Suarez Serrano, LLC,
3740 Davinci Court, Suite 100,
Norcross, GA 30092
TELEPHONE NUMBER:
(888) 890-5309 CASE NO.
BAC-10-07989-1
www.rubinlublin.com/prop-
erty-listings.php
(OC6,13,20,278/18915-70)
gpnll
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 BARRINGTON
SHEFFIELD to CHASE
MANHATTAN MORTGAGE
CORPORATION, dated
November 20, 2002, record
ed in Deed Book 28-L, Page
737, Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original prin
cipal amount of SEVENTY-
SIX THOUSAND EIGHT
HUNDRED AND 0/100
DOLLARS ($76,800.00), 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 November, 2010,
the following described prop
erty:
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:
Chase Home Finance LLC,
3415 Vision Drive, Columbus,
OH 43219, 800-446-8939.
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 Barrington Sheffield or a
tenant or tenants and said
property is more commonly
known as 456 Ivy Creek Dr.,
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.
Chase Home Finance,
LLC sbm Chase Manhattan
Mortgage Corporation as
Attorney in Fact for Barrington
Sheffield
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.fore-
closurehotline.net MR/cpI
11/2/10
Our file no. 52699010-FT3
EXHIBIT “A”
All that tract or parcel of
land lying and being in the
City of Nicholson, 253 Rd G.M
District of Jackson County,
Georgia consisting of Lot 14
Block A, of The Ivy Plantation
Subdivision according to a plat
of survey entitled “Final plan
for Ivy Plantation”, prepared by
W.T Dunahoo and Associates,
Georgia Registered Land
Surveyors, dated October 18,
1999, and recorded at Plat
Book 54, Page 228, Jackson
County, Georgia records.
Reference is made to said plat
survey for a more complete
description of property. MR/cpI
11/2/10 Our file no. 52699010
- FT3
(OC6,13,20,27B/19698-60T1P)
gpnll
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
ERNESTH. MASONtoCHASE
MANHATTAN MORTGAGE
CORPORATION, dated
October 19, 2000, recorded
in Deed Book 22E, Page 687,
Jackson County, Georgia
Records, conveying the after-
described property to secure
a Note in the original principal
amount of ONE HUNDRED
FOUR THOUSAND FIVE
HUNDRED AND 0/100
DOLLARS ($104,500.00),
with interest thereon as set
forth therein, there will be sold
at public outcry to the high
est bidder for cash before the
Courthouse door of Jackson
County, Georgia within the
legal hours of sale on the first
Tuesday in November, 2010,
the following described prop
erty:
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:
Chase Home Finance LLC,
3415 Vision Drive, Columbus,
OH 43219, 800-446-8939.
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
Ernest H. Mason or a tenant
or tenants and said property
is more commonly known as
151 Black Thorne Road,
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.
Chase Home Finance,
LLC sbm Chase Manhattan
Mortgage Corporation as
Attorney in Fact for Ernest H.
Mason
McCalla Raymer, LLC 1544
Old Alabama Road Roswell,
Georgia 30076 www.fore-
closurehotline.net MR/cpI
11/2/10
Our file no. 52738010-FT3
EXHIBIT “A”
All that tract or parcel of land
lying and being in the City of
Nicholson, 253rd District, G.M.,
Jackson County, Georgia,
and being that 6.08 acres,
more or less, designated as
Lot 11, Block E, Section No.
1 of Fox Chase Subdivision,
as more particularly shown
on a plat of survey prepared
for Fox Chase Subdivision by
James R. Smith, Registered
Surveyor, dated December 1,
1993, recorded in Plat Book
42, Page 23, in the Office of
the Clerk of the Superior Court
of Jackson County, Georgia
and incorporated herein and
made a part hereof by ref
erence for a more detailed
description. MR/cpI 11/2/10
Our file no. 52738010 - FT3
(OC6,13,20,27B/19698-60T1P)
gpnll
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
L. HENRY DAVIS, JR. to
MORTGAGE ELECTRONIC
REGISTRATION SYSTEMS,
INC., dated August 27, 2003,
recorded in Deed Book 31-Y,
Page 157, 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 57j, Page 489, Jackson
County, Georgia Records,
conveying the after-described
property to secure a Note in
the original principal amount
of FIFTY-FOUR THOUSAND
AND 0/100 DOLLARS
($54,000.00), 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
November, 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: 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,
continued on following page