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About Jackson herald. (Jefferson, Jackson County, Ga.) 1881-current | View Entire Issue (April 12, 2023)
WEDNESDAY, APRIL 12, 2023 THE JACKSON HERALD PAGE 5B Public Notices Continued hearing will be scheduled at a later date. If no objections are filed, the petition may be grant ed without a hearing. Sherry C. Moore Judge of the Probate Court By: Katie Smith Clerk of the Probate Court 5000 Jackson Pkwy, Suite 140 Jefferson, GA 30549 706-387-6484 (MA22, 29, AP5, 12 B/1247-30) | Dollar Estate PETITION FOR LETTERS OF ADMINISTRATION NOTICE TO: Whom it may concern: Andrew Steven Dollar has petitioned to be appointed administrator of the estate of JESSICA N. DOLLAR, de ceased, of said county. The petitioner has also applied for waiver of bond, waiver of re ports, waiver of statements, and/or grant of certain powers contained in O.C.G.A. § 53-12- 261. All interested persons are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or be fore April 17, 2023. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objec tions. All objections should be sworn to before a notary pub lic or before a probate court clerk, and filing fees must be tendered with your objections, unless you qualify to file as an indigent party. Contact pro bate court personnel for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be grant ed without a hearing. Sherry C. Moore Judge of the Probate Court By: Jalyn Ross Clerk of the Probate Court 5000 Jackson Pkwy, Suite 140 Jefferson, GA 30549 706-387-6277 (MA22, 29, AP5, 12 B/1247-30) | Westover Estate NOTICE OF PETITION TO FILE FOR YEAR’S SUPPORT The petition of Susan Eliza beth Westover, for a year's support from the estate of FRANK EDWARD WESTO VER, deceased, for decedent’s surviving spouse, having been duly filed, all interested per sons are hereby notified to show cause, if any they have, on or before April 17, 2023, why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objec tions, and must be filed on or before the time stated in the preceding sentence. All objec tions should be sworn to be fore a notary public or before a probate court clerk, and filing fees must be tendered with your objections, unless you qualify to file as an indigent party. Contact probate court personnel for the required amount of filing fees. If any ob jections are filed, a hearing will be scheduled at a later date. If no objections are filed the peti tion may be granted without a hearing. Sherry C. Moore, Judge of the Probate Court By: Jalyn Ross Clerk of the Probate Court 5000 Jackson Pkwy, Suite 140 Jefferson, GA 30549 706-387-6277 (MA22, 29, AP5, 12 B/1247-20) | Smith Estate PETITION FOR LETTERS OF ADMINISTRATION NOTICE TO: Whom it may concern: Heaven Tristanee Smith has petitioned to be appoint ed administrator of the estate of AMANDA E. SMITH, de ceased, of said county. The petitioner has also applied for waiver of bond, waiver of re ports, waiver of statements, and/or grant of certain powers contained in O.C.G.A. § 53-12- 261. All interested persons are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or be fore April 17, 2023. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objec tions. All objections should be sworn to before a notary pub lic or before a probate court clerk, and filing fees must be tendered with your objections, unless you qualify to file as an indigent party. Contact pro bate court personnel for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be grant ed without a hearing. Sherry C. Moore Judge of the Probate Court By: Jalyn Ross Clerk of the Probate Court 5000 Jackson Pkwy, Suite 140 Jefferson, GA 30549 706-387-6277 (MA22, 29, AP5, 12 B/1247-30) | Hawk Estate NOTICE TO: Whom it may concern: Suzanne Roberta Cox has petitioned to be appointed administrator of the estate of KENNETH ROBERT HAWK, deceased, of said county. The petitioner has also applied for waiver of bond, waiver of re ports, waiver of statements, and/or grant of certain powers contained in O.C.G.A. § 53-12- 261. All interested persons are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or be fore April 17, 2023. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objec tions. All objections should be sworn to before a notary pub lic or before a probate court clerk, and filing fees must be tendered with your objections, unless you qualify to file as an indigent party. Contact pro bate court personnel for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be grant ed without a hearing. Sherry C. Moore Judge of the Probate Court By: Jennifer Ledford Clerk of the Probate Court 5000 Jackson Pkwy, Suite 140 Jefferson, GA 30549 706-387-6276 (MA22 29, AP5, 12 B/1247- 30) | Notice of Foreclosure of Right to Redeem STATE OF GEORGIA, COUNTY OF JACKSON Take notice that: The right to redeem the fol lowing described property, to wit: All that tract or parcel of/and lying and being in GMD No. 455, of Jackson County, Geor gia and being an 8.992 acre tract, more or less, referred to as “Tract I” on a certain plat of survey, entitled “Survey for Charlie Lee and Ruby Lee", dated December 19, 1994 and recorded in Jackson County Superior Court Plat Book 42, at Page 204, which plat is incor porated herein by reference for a more particular description. Furthermore, there is here by granted a perpetual ease ment for ingress and egress over, through and across the subject property, (the subject property being adjacent to the Southwesterly side of a 5.022 acre tract of land owned or being acquired by Charles Ed ward Lee), and this easement is granted as appurtenanl thereto, for the following pur poses and uses, to-wil: ingress and egress over the present 30 foot road which runs along the Northwesterly side of the subject property joining the 5.022 acre tract to the 50 foot right-of-way known as “Bravo Road” (!he said 30 fool road and 5.022 acre tract are more particularly shown on the plat hereinabove referred lo in the description of the subject prop erty and recorded in Jackson County Plat Book 42, at Page 204); Grantee shall have the right to maintain, preserve and improve the said 30 foot roadway to serve the purpos es of ingress and egress. As described in Deed Book 48J, Page 249. Further described as Map & Parcel 08900JAJ. will expire and be forever foreclosed and barred on and after the 9th day of June, 2023. The tax deed to which this notice relates is dated the 1st day of May, 2021, and is re corded in the office of the Clerk of the Superior Court of Jack- son County, Georgia, in Deed Book 62S at pages 592-593. The property may be re deemed at any time before the 9th day of June, 2023, by pay ment of the redemption price as fixed and provided by law to the undersigned at the fol lowing address: Christopher D. Elrod, 4209 Oakwood Road, Suite 12, Oakwood, Georgia 30566. Please be governed ac cordingly. Christopher D. Elrod State Bar No. 246640 Attorney for Holder 4209 Oakwood Road, Suite 12 Oakwood, Georgia 30566 Telephone: (678) 283-4232 Facsimile: (678) 989-5878 christopherelrod@att.net (MA22, 29, AP5, 12 P4) | Notice for Service by Publication Petition of Notice to Reg ister and Domesticate Foreign Judgment was filed on the 12th day of January, 2023. Service for Publication Ordered on the 15th day of March, 2023. To: ERIN MICHELLE PHIL LIPS The above-styled action for registration and domestication to enforce the Order for Cus tody/Parenting Time/Visitation Granted to Individual(s) was filed against you by BRAN DON SCOTT COLLINS on January 12, 2023. By Order dated March 15, 2023, this Court ordered that service of process upon you be had by publication, all as provided by law. You are hereby required to file with the Clerk of this Court and to serve upon Plaintiff’s at torney: JASON A. BLACK, Esq. WEINSTEIN & BLACK, LLC 167 Lee Street Jefferson, Georgia 30549 Jason@wblegal.net an Answer to Plaintiff’s Petition within sixty (60) days from the date of the Order for Service by Publication as set forth above. (MA29 AP5, 12, 19 B/16457-20) | Notice of Sale NOTICE OF SALE UNDER POWER GEORGIA, JACKSON COUNTY THIS LAW FIRM IS ACT ING 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 Deed to Secure Debt given by PFC PROJECT, INC. TO AS SET PLUS, LLC, dated May 6, 2022, recorded in Deed Book 102G, Pages 495-501, Jack- son County, Georgia Records, conveying the after-described property to secure a debt in the original principal amount of One Hundred and Fifty-Six Thousand AND 00/100 DOL LARS ($156,000.00), with interest thereon as set forth therein, there will be sold at public outcry to the highest bid der for cash before the court house door of Pickens County, Georgia within the legal hours of sale on the first Tuesday in May, 2023, the following de scribed property: All that tract or parcel of land, together with all improve ments thereon, situate, lying and being in the 1765th GMD Jackson County, Georgia, con taining 2.0 acres, more or less, as shown on that plat of sur vey for Thomas H. Holcomb, dated October 25, 1995, by Cornerstone Development Consultants, Inc. certified by Wayne T. Eleton, GRLS No. 2487, as per plat recorded in Plat Book 47, Page 210, Jack- son County, Georgia Records, which recorded plat is incor porated herein by reference thereto and made a part of this description. Along with that certain 1996 Weston Mobile Home, and having a VIN No. GAFL- 57SA25B15WAE11. The debt secured by said Deed to Secure Debt has been and is hereby declared due because of, among other pos sible events of default, failure to pay the indebtedness as and when due and in the man ner provided in the Deed to Secure Debt. The debt remain ing in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in Deed to Secure Debt and by law. 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 mat ters which might be disclosed by an accurate survey and in spection of the property, any assessments, liens, encum brances, zoning ordinances, restrictions, covenants, and matters of record superior to the Deed to Secure Debt first set out above. Notice has been given of the intention to collect attorneys’ fees in ac cordance with the terms in the Deed to Secure Debt. 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 Deed to Secure Debt. By: Asset Plus, LLC By: Its Attorney-at-Law: Doyle L. Johnson, Esq. Lueder, Larkin, & Hunter, LLC 1225 Tuscany Drive Suite B Braselton, GA30517 (AP5, 12 19, 26 P4) | Notice of Sale NOTICE OF SALE UNDER POWER STATE OF GEORGIA, COUNTY OF JACKSON By virtue of a Power of Sale contained in that certain Security Deed from PAUL RAYMOND DUMOND TO MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as Nominee for Open Mortgage, LLC, dated April 24, 2018 and recorded on May 4, 2018 in Deed Book 0080Q, Page 0399, in the Office of the Clerk of Superior Court of Jack- son County, Georgia, said Se curity Deed having been given to secure a Note of even date, in the original principal amount of One Hundred Thirty-Five Thousand Five Hundred and 00/100 dollars ($135,500.00) with interest thereon as provid ed therein, as last transferred to PennyMac Loan Services, LLC, recorded in Deed Book 0102M, Page 0002, aforesaid records, will be sold at public outcry to the highest bidder for cash before the courthouse door of Jackson County, Geor gia, or at such place as has or may be lawfully designated as an alternative location, within the legal hours of sale on the first Tuesday in May, 2023, all property described in said Security Deed including but not limited to the following de scribed property: All that tract or parcel of land lying and being in the 245th district, G.M., City of Jef ferson, Jackson County, Geor gia and being known as Lot 114 of the Peachtree Estates Subdivision and being more particularly described and de lineated within a plat and sur vey recorded in Plat Book 3 at Page 470, Jackson County, Georgia Records; which said plat and the recording thereof are hereby incorporated herein by reference for a more de tailed description of the prop erty. Said property may more commonly be known as 115 Georgia Belle Drive, Jeffer son, GA 30549. The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, non-payment of the monthly installments on said loan. The debt remain ing in default, this sale will be made for the purpose of paying the same and all expenses of this sale, including attorney’s fees (notice of intent to collect attorney’s fees having been given). The individual or entity that has full authority to negotiate, amend and modify all terms of the loan is PennyMac Loan Services, LLC, 3043 Towns- gate Rd., Westlake Village, CA 91361. Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above- named or the undersigned. The sale will also be subject to the following items which may affect the title: a) zoning ordinances; b) matters which would be disclosed by an ac curate survey or by an inspec tion of the property; c) any outstanding ad valorem taxes, including taxes, which consti tute liens upon said property whether or not now due and payable; d) special assess ments; e) the right of redemp tion of any taxing authority; f) all outstanding bills for public utilities which constitute liens upon said property; g) all restrictive covenants, ease ments, rights-of-way and any other matters of record supe rior to said Security Deed. To the best of the knowledge and belief of the undersigned, the owners and party in posses sion of the property are Paul Raymond Dumond and or tenant(s). The sale will be con ducted subject to 1) confirma tion that the sale is not prohib ited under the U.S. Bankruptcy code and 2) final confirmation and audit of the status of the loan with the holder of the Se curity Deed. PennyMac Loan Services, LLC as Attorney-in-Fact for Paul Raymond Dumond Contact: Padgett Law Group: 6267 Old Water Oak Road, Suite 203, Tallahassee, FL 32312; (850) 422-2520 Ad Run Dates: 04/05/23; 04/12/23; 04/19/23; 04/26/23 (AP5, 12, 19, 26 B/14839- 60) | Notice of Sale Notice of Sale Under Power State of Georgia, County of Jackson Under and by virtue of the Power of Sale contained in a Security Deed given by CHRISTOPHER MARTIN TO MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as nominee for Fidel ity Bank d/b/a Fidelity Bank Mortgage (the Secured Credi tor), dated July 26, 2013, and Recorded on August 15, 2013 as Book No. 66I and Page No. 84, Jackson County, Georgia records, conveying the after- described property to secure a Note of even date in the original principal amount of $80,612.00, with interest at the rate specified therein, as last assigned to Carrington Mort gage Services, LLC by assign ment that is or to be recorded in the Jackson County, Geor gia Records, there will be sold by the undersigned at public outcry to the highest bidder for cash at the Jackson County Courthouse within the legal hours of sale on the first Tues day in May, 2023, the following described property: All of Grantor’s interest in that tract or parcel of land ly ing and being in the 242th Dis trict, G.M., Jackson County, Georgia, in the town of Arcade, containing 2.99 acres, more or less, and designated as Lot 33 as shown on plat of survey of White Oak Subdivision, pre pared by Venable and Associ ates, Surveyors, dated April 8, 1986, and recorded in the office of the Superior Court of Jackson County, Georgia, in Plat Book 22, Page 194. Said plat, as recorded, is hereby referenced for a more detailed description to said property. Subject to existing easement and rights of way for public road and utilities now in use. Also subject to restrictive cov enants recorded in Deed Book 9-K, Page 675. Tax ID: 054 060 The debt secured by said Security Deed has been and is hereby declared due be cause of, among other possi ble events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Se curity Deed. Because the debt remains in default, this sale will be made for the purpose of paying the same and all ex penses of this sale, as provid ed in the Security Deed and by law, including attorney’s fees (notice of intent to collect attor ney’s fees having been given). Carrington Mortgage Services, LLC holds the duly endorsed Note and is the current assign ee of the Security Deed to the property. Carrington Mortgage Services, LLC is the entity with the full authority to negotiate, amend, and modify all terms of the loan. Pursuant to O.C.G.A. §44- 14-162.2, Carrington Mortgage Services, LLC may be con tacted at: 1-800-790-9502 or by writing to 1600 South Doug lass Road, Suite 110 and 200- A, Anaheim, CA 92806-5951. Please note that, pursuant to O.C.G.A. §44-14-162.2, the secured creditor is not required to amend or modify the terms of the loan. To the best knowledge and belief of the undersigned, the party/parties in possession of the subject property known as 112 HICKORY TRAIL, JEF FERSON, GA 30549 is/are: Christopher Martin or tenant/ tenants. Said property will be sold subject to (a) any out standing ad valorem taxes (in cluding taxes which are a lien, but not yet due and payable), (b) any matters which might be disclosed by an accurate survey and inspection of the property, and (c) all matters of record superior to the Secu rity Deed first set out above, including, but not limited to, assessments, liens, encum brances, zoning ordinances, easements, restrictions, cov enants, etc. 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. §9- 13-172.1, which allows for certain procedures regarding the rescission of judicial and nonjudicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provid ed until final confirmation and audit of the status of the loan as provided in the preceding paragraph. Funds used at sale shall be in certified funds and pay able to “Bell Carrington Price & Gregg, LLC”. Carrington Mortgage Ser vices, LLC as Attorney in Fact for Christopher Martin. Any information obtained on this matter may be used by the debt collector to collect the debt. Bell Carrington Price & Gregg, LLC, 339 Heyward Street, 2nd Floor, Columbia, SC 29201 (803)-509-5078. File: 23-40917 (MA29.AP5, 12, 19, 26 P4) Newton Estate PETITION FOR LETTERS OF ADMINISTRATION NOTICE TO: Whom it may concern: Kyle Taylor Cullars has petitioned to be appointed administrator of the estate of LYNN TAYLOR NEWTON, deceased, of said county. The petitioner has also applied for waiver of bond, waiver of re ports, waiver of statements, and/or grant of certain powers contained in O.C.G.A. § 53-12- 261. All interested persons are hereby notified to show cause why said petition should not be granted. All objections to the petition must be in writing, setting forth the grounds of any such objections, and must be filed with the Court on or be fore April 24, 2023. BE NOTIFIED FURTHER: All objections to the petition must be in writing, setting forth the grounds of any such objec tions. All objections should be sworn to before a notary pub lic or before a probate court clerk, and filing fees must be tendered with your objections, unless you qualify to file as an indigent party. Contact pro bate court personnel for the required amount of filing fees. If any objections are filed, a hearing will be scheduled at a later date. If no objections are filed, the petition may be grant ed without a hearing. Sherry C. Moore Judge of the Probate Court By: Katie Smith Clerk of the Probate Court 5000 Jackson Pkwy, Suite 140 Jefferson, GA 30549 706-387-6484 (MA29, AP5, 12, 19 B/1247-30) | Notice of Sale NOTICE OF SALE UNDER POWER GEORGIA, JACKSON COUNTY By virtue of a Power of Sale contained in that certain Security Deed from ROBERT MATHEW SEEGER to MORT GAGE ELECTRONIC REG ISTRATION SYSTEMS, INC. AS GRANTEE, AS NOMINEE FOR ACOPIA, LLC, dated January 28, 2021, recorded February 2, 2021, in Deed Book 0093X, Page 0542, Jack- son County, Georgia Records, said Security Deed having been given to secure a Note of even date in the original principal amount of Three Hun dred Six Thousand Fifty and 00/100 dollars ($306,050.00), with interest thereon as pro vided for therein, said Security Deed having been last sold, assigned and transferred to NewRez LLC d/b/a Shellpoint Mortgage Servicing, there will be sold at public outcry to the highest bidder for cash at the Jackson County Courthouse, within the legal hours of sale on the first Tuesday in May, 2023, 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 253, JACKSON COUNTY, GEOR GIA, BEING LOT 45, BLOCK A OF RIVER GLEN (AN OPEN SPACE SUBDIVISION), PER PLAT THEREOF RECORDED IN PLAT BOOK 70, PAGES 172-176, JACKSON COUN TY, GEORIGA RECORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE AND MADE A PART OF THIS DESCRIP TION. Said legal description be ing controlling, however the property is more commonly known as 327 RIVER MAN SION DRIVE, JEFFERSON, GA 30549. The indebtedness secured by said Security Deed has been and is hereby declared due because of default un der the terms of said Security Deed. The indebtedness re maining in default, this sale will be made for the purpose of paying the same, all expenses of the sale, including attorneys’ fees (notice to collect same having been given) and all other payments provided for under the terms of the Security Deed. Said property will be sold on an “as-is” basis without any representation, warranty or recourse against the above- named or the undersigned. The sale will also be subject to the following items which may affect the title: 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; matters which would be disclosed by an ac curate survey or by an inspec tion of the property; all zoning ordinances; assessments; liens; encumbrances; restric tions; covenants, and any oth er matters of record superior to said Security Deed. To the best of the knowl edge and belief of the under signed, the owner and party in possession of the property is ROBERT MATHEW SEEGER, 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 entity having full au thority to negotiate, amend or modify all terms of the loan (al though not required by law to do so) is: NewRez LLC, F/K/A New Penn Financial, LLC, D/B/A Shellpoint Mortgage Servicing, Loss Mitigation Dept., 75 Beattie Place Ste. 300, Greenville, SC 29601, Telephone Number: 800-365- 7107. Nothing in O.C.G.A. Section 44-14-162.2 shall be construed to require a secured creditor to negotiate, amend, or modify the terms of the mortgage instrument. NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING as Attorney in Fact for ROBERT MATHEW SEEGER THE BELOW LAW FIRM MAY BE HELD TO BE ACT ING AS A DEBT COLLECTOR, UNDER FEDERAL LAW. IF SO, ANY INFORMATION OB TAINED WILL BE USED FOR THAT PURPOSE. Attorney Contact: Rubin Lu blin, LLC, 3145 Avalon Ridge Place, Suite 100, Peachtree Corners, GA 30071 Telephone Number: (877) 813-0992 Case No. SHP-22- 01812-2 Ad Run Dates 04/05/2023, 04/12/2023, 04/19/2023, 04/26/2023 (AP5, 12, 19, 26 B/14082- 70) | Notice of Sale NOTICE OF SALE UNDER POWER GEORGIA, JACKSON COUNTY By virtue of a Power of Sale contained in that certain Security Deed from MARVIN ANTHONY BELMO to MORT GAGE ELECTRONIC REG ISTRATION SYSTEMS INC. AS GRANTEE, AS NOMINEE FOR VANDERBILT MORT GAGE AND FINANCE, INC DBA SILVERTON MORT GAGE, dated July 28, 2022, recorded August 23, 2022, in Deed Book 0103R, Page 0276-0293, Jackson County, Georgia Records, said Secu rity Deed having been given to secure a Note of even date in the original principal amount of Three Hundred Forty- Two Thousand Seven Hun dred Five and 00/100 dollars ($342,705.00), with interest thereon as provided for there in, said Security Deed hav ing been last sold, assigned and transferred to PennyMac Loan Services, LLC, there will be sold at public outcry to the highest bidder for cash at the Jackson County Courthouse, within the legal hours of sale on the first Tuesday in May, 2023, 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 THE 255TH GMD, JACKSON COUNTY, GEORGIA, BEING LOT 17, HIGHLAND ESTATES, PHASE 3, AS PER PLAT RE CORDED IN PLAT BOOK 82, PAGES 224-227, JACKSON COUNTY GEORGIA RE CORDS, WHICH RECORDED PLAT IS INCORPORATED HEREIN BY REFERENCE continued on following page