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FOR ADVERTISING INFORMATION Call Mary-Jo Florio 770-962-7220 x24469 Email: [email protected] Real EstateBook EXTEND YOUR SEARCH AT REALESTATEBOOK.COM HILTON HEAD, BEAUFORT & BLUFFTON, SC Featuring: Okatie, Sun City, Hardeeville, Ridgeland, Habersham, Port Royal, Fripp Island, Harbor Island, Dataw Island & Callawassie Island THE RELOCATING? CALL 800/841-3401 for a FREE copy of The Real Estate Book. Available for most North American areas. RealEstateBook.com UPDATED DAILY Vol. 13 :: No. 9 Boardwalk Properties LLC Jim Suber 843/575-0700 DETAILS ON THIS PROPERTY Page 5 RealEstateBook.com MLS#: 310927

Hilton Head Vol 13 Iss 9

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Page 1: Hilton Head Vol 13 Iss 9

FORADVERTISING INFORMATIONCall Mary-Jo Florio 770-962-7220 x24469Email: [email protected]

RealEstateBookEXTEND YOUR S E A RCH AT R E A L E S TAT E BOOK . COM

HILTON HEAD, BEAUFORT & BLUFFTON, SCFeaturing: Okatie, Sun City, Hardeeville, Ridgeland, Habersham,Port Royal, Fripp Island, Harbor Island,Dataw Island & Callawassie Island

THE

RELOCATING? CALL 800/841-3401for a FREE copy of The Real Estate Book.Available for most North American areas.

RealEstateBook.comUPDATED DAILY

Vol. 13 :: No. 9

Boardwalk Properties LLCJim Suber 843/575-0700

DETAILS ON THIS PROPERTY Page 5RealEstateBook.com MLS#: 310927

35102.13.9.001.Cover:TREB_CVR_US_ChangeWeb 12/1/11 3:35 PM Page 1

Page 2: Hilton Head Vol 13 Iss 9

ISLAND REALTY

Featuring Properties from Beaufort, Hilton Head & Bluffton

For all your Real Estate needs!

John M. Austphone: 843-575-6012

fax: [email protected]

WE FOUND YOUR DREAM HOME! This gorgeous 5br/5.5ba home is located justminutes from I-95 at exit 33. Perfect for the commuter who enjoys country living.Situated on 5 acres this home offers a 2 car garage, high ceilings, spacious roomsand bathrooms, gorgeous shady trees, and front and back porches. A bargain atonly $299,900.

THIS RECENTLY FORECLOSED HOME on almost an acre of land offers 3br/2ba,country-style living, formal dining, and is just outside of Beaufort. Home has anunfinished 2nd floor to be whatever you wish to make it. Offered at only $199,900,this is a spectacular bargain! Adjacent lot also available.

ENJOY A GORGEOUS VIEW of the water from your porch of this well kept 1848sq.ft.3br/2ba home. With-in walking distance to a public landing and fishing pier. This isa once in a lifetime opportunity to own a piece of paradise at a truely affordableprice.

LOVELY 2BR/2BA HOME with plenty of upgrades offered at an outstanding price.Close to beaches, shopping, dining, and boat landings. This home is a great optionfor a first time owner, vacation home, or even retirement. Must see to believe! Only$49,900.

THIS NEWLY LISTED foreclosure is priced to sell. Centrally located on Lady’s Islandand only minutes from fishing, shopping, dining, entertainment, and schools. At thisgreat price it’s a perfect time to build your dream home! Only $27,900!

GORGEOUS LOT IN HABERSHAM. Build to suit on this lovely lot and enjoy all thatlovely Habersham has to offer. From shopping and dining to entertainment andfestivals, this friendly neighborhood community has it all! Don’t let a spectacularhome site at this affordable price pass you by! Only $32,900!

JUST LIS

TED

FISHER

MAN’SDREA

M!

ONLY$4

9,900

!

LADY’S

ISLAND

HABERSHAM

Page 2 - Why Buy Now? Ask a REALTOR® - Vol. 13, No. 9

FOREC

LOSURE!

EXCELLENT INVESTMENT OPPORTUNITY! This 20+ room facility has 6 full bath-rooms, 17 bedrooms/offices, a recreation room, dining room, kitchen, and addition-al office space. From child~care to assisted living; the possibilities with this zonedfor mixed~use property. Offered at only $499,900

THIS FORCLOSED LOT is offered at an unbelievable price! Located just outside oftown and priced to sell at only $24,500. Over an acre, cleared, and ready for you tobuild your dream home. Purchase alone or take a look at the home next door that isalso available and listed at a great price as well.

ZONED

FOR MIXED

-USE

FOREC

LOSURE - $2

4,500

35102.13.9.002.JAustPG1 12/1/11 3:52 PM Page 1

Page 3: Hilton Head Vol 13 Iss 9

Do You Want To List Your House Or SELL Your House?

Call The Aust TeamWe’ll Get You Moving!!

Do You Want To List Your House Or SELL Your House?

Call The Aust TeamWe’ll Get You Moving!!

Do You Want To List Your House Or SELL Your House?

Call The Aust TeamWe’ll Get You Moving!!

Do You Want To List Your House Or SELL Your House?

Call The Aust TeamWe’ll Get You Moving!!

.26AC OT CLOSE TO BEACHES, shopping, schools, anddowntown. This is an ecellent opportunity to own gorgeousSt. Helena Island where you’re just minutes from all thatBeaufort has to offer. Recently reduced and unbelievablypriced at only $26,900!

WONDERFUL LOT IN PORT ROYAL just waiting for yourhome. Within walking distance of school, fitness club, park,and the Sands Beach. Community pier for fishing and familyfun. Priced to sell at $59,900!

THIS 3BR/2BA HOME IS CLOSE TO I95 and in an ideal locationfor commuters. Centrally located between Savannah andCharleston and only minutes from Beaufort, Ridgeland, andYemassee! Property offers gorgeous landscape, a fenced back-yard, and a huge workshop. At only $69,900 this is a must see!

BANK OWNED PROPERTY in beautiful Oldfield Plantation.Gated community with tons of amenities including boatstorage, clubhouse, community pool, fitness center, golfprivilages, leisure trails, and stables. Priced to sell at only$29,900!

THIS PROPERTY LOCATED just off of Highway 278 by Exit 8and annexed into Hardeeville is zoned General Commercial andis priced to sell at only $137,500. Over 7 acres and already hasa workshop in place. This has extraordinary investment poten-tial as an income producing property. Must see!!

THIS DOUBLE LOT in Bonaire Estates is ready and waitingfor your home. Septic, water, and electric in place. Lotoffers a fenced yard and carport with parking pad. Verycompetitively priced at $39,900

LADY’S

ISLAND

PORT ROYAL

COMMUTERS DREA

M!

OLDFIE

LDPLA

NTATIO

N

GENER

AL COMMERCIAL

REDUCED

!!

35102.13.9.003.JAustPG2 12/1/11 3:41 PM Page 1

Page 4: Hilton Head Vol 13 Iss 9

©2010, NCI ALL RIGHTS RESERVED

Call 1-800-841-3401 for a FREE magazine from over 500 markets,or order online @ RealEstateBook.com

UPDATED DAILYRealEstateBook.com

Don’t You Deserve theBest Marketing Plan toSell Your Home?

Learn about our marketing strategy for your home @

RealEstateBookMediaKit.com

Make sureyour real estateprofessional marketsyour home in localprint & online withthe country’s #1 realestate marketingprogram.

TF01BEST.qxp:TF04_US 6/3/10 2:50 PM Page 1

Page 5: Hilton Head Vol 13 Iss 9

FEATURED COVER LISTING

Mary-Jo Florio770-962-7220 xt 24469

[email protected] to see your home advertisedin this magazine or featured on

RealEstateBook.com?Contact any of the real estateprofessionals in this magazine.

BBAANNKK OOWWNNEEDD FFOORREECCLLOOSSUURREE Gorgeous! 4 bedroom,4.5 bath home located in desirable Long Cove Club.Private Pool. Golf View. MLS/ID:310927 $$551188,,443333

For advertising information in The Real Estate Book of

Hilton Head, Beaufort & Bluffton, SC, contact:

Jim [email protected]

Please Say You Saw It In The Real Estate Book - Vol. 13, No. 9 - Page 5

RealEstateBook.com“All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegalto advertise any preference, limitations, or discrimination based on race, color, religion, sex,handicap, familial status, or national origin, or intention to make any such preferences, limitation,

or discrimination. We will not knowingly accept any advertising for real estate which is in violation of the law. Allpersons are hereby informed that all dwellings advertised are available on an equal opportunity basis.”

FOR A FREE MAGAZINE FROM ANY OF OUR 500+MARKETS,

CALL 1-800-841-3401Circulation of The Real Estate Book isIndependently Audited by BPA

Introducing Text Codes!

Look for Text Codes (also called T-Codes) on pages throughout this issue.

35102.13.9.005.Masthead:00115.23.10.Msthead2310 12/1/11 3:45 PM Page 1

Page 6: Hilton Head Vol 13 Iss 9

SOLDPlease put a price on "Pretty Egret" ---$209,900.(31 Wainwright)

Also, there are 2 or 3 homes that need to say"RIVERBEND" on the banners. They are43 Cutter Circle, 19 Cutter Circle, & 24Wisteria Lane that says SOLD--but I want thatto also say Riverbend.Please put a price on"Pretty Egret" ---$209,900.(31 Wainwright)

Also, there are 2 or 3 homes that need to say"RIVERBEND" on the banners. They are43 Cutter Circle, 19 Cutter Circle, & 24Wisteria Lane that says SOLD--but I want thatto also say Riverbend.

CCaallll

Toni LaRose-Gerken843-384-35741-866-297-0142 Toll-Free

For information on these& many more fine properties.

$10,000 FLOORING ALLOWANCE! Lovely Estate ADAMS by original builder is low-priced so you canadd the personal upgrades you want! Has its OWN POOL inside a screened Lanai & overlooks privatewooded areas.Tall ceilings,transom windows,large kitchen,living room/dining room combinationPLUS a family room w/gas fireplace & built-in book shelves. MLS/ID:307743 $339,000

SELLER FINANCING POSSIBLE. Elegant estate home by previous builder on the 3 bestviews in Sun City - lagoon, golf & wooded. Simply superb lot w/flowering trees,lots ofspace between homes & on a cul-de-sac. Fabulous 600 sf added room looking outover these serene views & is perfect for entertaining. MLS/ID:307447 $382,500

BEAUTIFUL CUSTOM HOME in RIVERBEND w/superb lagoon & wooded views & w/over 3300 sq.ft. of spacious living in SunCity’s upscale gated community situated on the banks of the Okatie River.3 bdrms PLUS BONUS RM,3 1/2 baths plus GardenRm sink,Living Rm, Family Rm. w/fireplace,large Master Ste w/dual walk-in closets, whirlpool tub & a shower,& w/Frenchdoors exiting to a glassed Sunroom overlooking a brick paver patio & serene views. MLS/ID:311249$499,000

DARLING BLUE RIDGE MODEL, that shows like a model.Professionally decorated doll house with 2 Bedroom plusSunroom/Den, 2 full baths, beautiful colors and 2 car garage.MLS/ID:308571 $159,900

LOVELY CHESTNUT w/3 BR+DEN/Office,2 full baths,Dining Rm, big kitchen w/Counter seating at work island & bar area. This homehas the Gourmet kitchen pkg w/double ovens, cherry cabinets,Corian,roll-out shelves, warming oven, all appliances upgraded & gascooktop.In addition, there is a Garden Rm/SunRoom w/sliders that exit to an oversized patio.Huge Master bdrm.Every room hasextra TV & Phone outlets,plus decorator fans in many rooms, Wood blinds in most rooms, Radiant Tech-shield Barrier for extrainsulation, & full landscaping around entire perimeter of house plus an extended garage! MLS/ID:310719 $329,000

THE ONLY COPPER RIDGE available on the desirable MAIN SIDE of SUN CITY!!! Features avery pretty Sun Room & covered patio overlooking pretty lagoon views. Watch the white egretsoaring over the waters! 2 bedrms plus den/office/opt.3rd bedrm, 2 full baths, GreatRm.,wonderful kitchen w/upgraded counters & cabinets. MLS/ID:309311 $249,900

BEAUTIFUL ROBIN MODEL HOME with 2 bedroom and 2 full baths,dining room, kitchen, walk-in closets and screened porch.MLS/ID:311848 $144,000

THIS HANCOCK is larger than most because it has a good size enclosed porch(Carolina Rm) that has heat & AC. With gorgeousLAGOON & WOODED views both in front & in the back, this home deserves a buyer that has good taste & understanding as to whatthese views signify in the LowCountry. Featuring 2 bedrms plus Carolina Rm, Great Rm, Dining area,2 full baths,a Laundry Rm, avery lovely Kitchen w/a huge eat-in area & wood floors, plus a big screened Lanai/patio. MLS/ID:311615 $219,900

SUN CIT

Y

SUN CIT

Y

SUN CIT

Y

SUN CIT

Y

SOLD

RIVERBEND

SUN CIT

Y

SUN CIT

Y

SUN CIT

Y

SOLD

35102.13.9.006.LaRoseGerkenPG1 12/1/11 3:46 PM Page 1

Page 7: Hilton Head Vol 13 Iss 9

Instantly View More Photos/Informationwith your smartphone.

Just look for Text Codes for any listingin this magazine and send to 85377.

Learn about our marketing strategy for your home @

RealEstateBookMediaKit.com

Call 1-800-841-3401 for a FREE magazine from over 400 markets, or order online @ RealEstateBook.com.

IN PRINT • ONLINE • DIRECT MAIL • SOCIAL • MOBILE

UPDATED DAILYRealEstateBook.com Scan Code toShop HomesOnline Now.

©20

11,N

CIAL

LRIGH

TSRE

SERV

ED

Enter “85377” Here

Enter Text Code Herefrom any listing inthis magazine thatfeatures a text code.

Hit “Send” to viewmore photos & detailson your smartphone.

TREB_USA_Filler_TF37_Full:TREB_USA_Filler_TF37_Full 11/4/11 3:11 PM Page 1

Page 8: Hilton Head Vol 13 Iss 9

BANK OWNED FORECLOSURENice 3 Story Home with an Elevator.Beautiful Tidal Marsh Water Front View

with a Private Dock.Reduced to

$473,813 MLS/ID:310790

BANK OWNED FORECLOSUREBeautiful 6 bdrm, 4.5 baths. Private pool.

Many extras. Almost 2 acre lot.Just Reduced Down to

$548,625 MLS/ID:310810

BANK OWNED FORECLOSUREA Beautiful 4 Bedroom 4.5 Bath Home withGreen and Fairway Views of Spanish WellsGolf Club also with a Large Finished Bonus

Room above the 3 Car Garage.$599,900 MLS/ID:311485

Specializing in Bank OwnedForeclosures

Jim [email protected]

BANK OWNED FORECLOSUREExpansive Fairway and Green Views. NewCarpet, Interior Paint and Appliances.

Move-In Condition!$299,900 MLS/ID:311523

10 Blue Heron Pt - Hilton Head Island

22 Sweet Grass Ln - Bluffton

61 Widewater Rd - Hilton Head Island

14 Quail Walk Ln - Hilton Head Island

Hilton Head Plantation

Spanish Wells Plantation

Rose Dhu Plantation

Page 8 - Real Estate Professionals Open All the Right Doors - Vol. 13, No. 9

35102.13.9.008.009.JimSuber: Saddle Stitch Crossover 12/1/11 3:50 PM Page 1

Page 9: Hilton Head Vol 13 Iss 9

BANK OWNED FORECLOSUREBeautiful Golf Views off the Front and BackDouble Porches and the Home is in Move-In

Condition with Many Desirable Extras.Reduced down to

$394,000 MLS/ID:310819

BANK OWNED FORECLOSUREon tidal lagoon with a marsh and distant

water view with community dock.$19,900 MLS/ID:128537

BANK OWNED FORECLOSUREwith a Beautiful Lagoon View in Move-in

Condition. Bring all offers!$132,000 MLS/ID 312165

BANK OWNED FORECLOSUREJust Reduced another $4,000! Beautiful LakeFront Lot in Bull Point Plantation. Bank Owned.

Bring all offers!$21,000 MLS/ID:128368

1509 Deanne Dr - Beaufort

3 Sagebrook Dr - Bluffton

1 Blake Ln - Seabrook

22 Jacks Dr - Daufuskie Island

Melrose Plantation

Bull Point Plantation

Specializing in Bank OwnedForeclosures

Jim Suber843-575-0700

[email protected]

Live Oaks at Battery Creek

Please Say You Saw It In The Real Estate Book - Vol. 13, No. 9 - Page 9

The Willows

35102.13.9.008.009.JimSuber: Saddle Stitch Crossover 12/1/11 3:50 PM Page 2

Page 10: Hilton Head Vol 13 Iss 9

Instantly View More Photos, Maps & Infowith your phone by using any of the

Text Codes & QR Codesfound in this magazine.

Learn about our marketing strategy for your home @

RealEstateBookMediaKit.com

Call 1-800-841-3401 for a FREE magazine from over 400 markets, or order online @ RealEstateBook.com.

IN PRINT • ONLINE • DIRECT MAIL • SOCIAL • MOBILE

UPDATED DAILYRealEstateBook.com Scan Code toShop HomesOnline Now.

©20

11,N

CIAL

LRIGH

TSRE

SERV

ED

Enter “85377” Here

Enter Text Code Herefrom any listing inthis magazine thatfeatures a text code.

Hit “Send” to viewmore photos & detailson your smartphone.

Download any FREEQR reader app andstart scanning now!or

TREB_USA_Filler_TF39_Full:TREB_USA_Filler_TF39_Full 11/4/11 3:13 PM Page 1

Page 11: Hilton Head Vol 13 Iss 9

View More Photos Online

• UPDATED DAILY• MAP-BASED SEARCH• DETAILED MAPS• INTERIOR PHOTOS

• MULTIPLE PHOTOS/TOURS• NEIGHBORHOOD INFO• SOCIAL MEDIA LINKS• WEB OR MOBILE

See more of what you’re looking for at

RealEstateBook.com©2011,N

CIAL

LRIGH

TSRE

SERV

ED

Search for Homes on the Gowith Your Mobile Phone.

WEB OR

MOBILE

(iPhone users candownload our free app)

Scan code with your smartphone to shop forhomes at RealEstateBook.com right now.

TF35_MobileSite_FULL_US:TF35_MobileSite_FULL_US 9/27/11 10:23 AM Page 1

Page 12: Hilton Head Vol 13 Iss 9

©2010, NCI ALL RIGHTS RESERVED

Call 1-800-841-3401 for a FREE magazine from over 500 markets,or order online @ RealEstateBook.com

UPDATED DAILYRealEstateBook.com

FACT:Nationally, home buyers moveda median of only 12 milesfrom their previous residence.2009 Survey of Home Buyers & Sellers – National Association of Realtors (NAR)

Real Estate is hyper-local!

We put our color catalog in more locations [more goodlocations] than anyone else. Make sure your real estateprofessional markets your home in local print & onlinewith the country’s #1 real estate marketing program.

Learn about our marketing strategy for your home @

RealEstateBookMediaKit.com

Local exposure in alocal print publicationis crucial to the sale ofyour home.

TF04HYPER_US.qxp:HyperLocal12Miles_US 6/3/10 2:50 PM Page 1

Page 13: Hilton Head Vol 13 Iss 9

Please put a price on"Pretty Egret" ---$ 2 0 9 , 9 0 0 . ( 3 1Wainwright)

Also, there are 2 or 3homes that need to say"RIVERBEND" on the ban-ners. They are43 Cutter Circle, 19Cutter Circle, & 24Wisteria Lane that saysSOLD--but I want that toalso say Riverbend.

CCaallll

Toni LaRose-Gerken843-384-35741-866-297-0142 Toll-Free

For information on these& many more fine properties.

MAKE AN OFFER! Lovely golf view lot over half an acre in beautifulOldfield, a wonderful family oriented community with horse stables,boating , two restaurants, nature center, three docks on the OkatieRiver and more! MLS/ID:305771 $59,900

SELLER WILL PAY FIRST YEAR POA! One of the best lagoon/lakelots in Riverbend w/a spraying fountain in direct sight & views fromthe left, right & straight ahead. Community features lodge, pool, spa& deep water dock. MLS/ID:302588 $79,900

BEAUTIFUL, spacious 3100 sqft home in Riverbend (Sun City’s waterfront area)on one ofcommunity’s best lagoon & wooded views. Living room, family room with fireplace andbuilt-in cabinets. Lovely kitchen w/long bar area & large pantry. Master Ste is fabulous &large, office with built-ins,3-car garage or golf cart gar. MLS/ID:306436 $569,900

THIS PRETTY EGRET HAS LOTS OF SPACE between houses giving you privacy plus it sitsgracefully & high on a lovely lagoon lot. Featuring 2 bedrms plus DEN/OFFICE/OPT.3rdbedrm, large walk-in closet in Master bedrm, Master bath with tub plus walk-in shower,dual sinks, cultured marble bath counters. MLS/ID:308187 $209,900

STUNNING SYCAMORE at low price with beautiful lagoon views and lush green vistas. 3 bedrooms plus 3.5 baths,huge kitchen with granite counters, 42 inch cabinets, tile floors, extended garage, sky light and lots of upgrades.Alsofeaturing a REAL Dining Rm w/elegant pillars & lots of room, a full bath in EACH bedrm plus a Powder Rm,a breakfastarea, Great Rm. & a Parlor or Office/Den with French doors. Just beautiful!! MLS/ID:311851 $359,900

FAB ENLARGED SCHOONER in Sun City’s upscale gated community which is situated on the headwaters of the OkatieRiver. What a good buy for 2628 htd sq ft! Overlooking beautiful views of southern hardwoods & plants of the ProtectedNature Pres.,this stunning home features 3 Bedrms,2.5 Baths, Liv Rm, Fam Rm w/gas fireplace, Din area,lovely kitchenwith large eat-in area,Laundry Rm,& a 2-car garage + Golf cart gar/storage. MLS/ID:311628 $399,900

ONE OF THE LOWEST PRICE HOMES IN RIVERBEND. Lovely largeLongleaf. 3BRs + den/office/optional 4th BR. 3 Car garage & largekitchen. Serene wooded views. Glassed & screened patio w/heat &AC. MLS/ID:302447 $359,900

AN EXCEPTIONAL HEATHER MODEL w/wood floors in most rooms.2 BRs + den/office, 2 Ba, Sun Room, Fireplace, large great room &kitchen w/eat-in-area. Master suite has walk-in closet & full bathwith walk in shower. RUDUCED MLS/ID:303274 $179,900

OLDFIELD

RIVERBEND

RIVERBEND

SUN CIT

Y

RIVERBEND

RIVERBEND

SUN CIT

Y

SOLD

SOLD

SUN CIT

Y

35102.13.9.013.LaRoseGerkenPG2 12/1/11 3:55 PM Page 1

Page 14: Hilton Head Vol 13 Iss 9

©2010, NCI ALL RIGHTS RESERVED

Call 1-800-841-3401 for a FREE magazine from over 500 markets,or order online @ RealEstateBook.com

UPDATED DAILYRealEstateBook.com

LOCALLOCALLOCALLOCAL

Do You...

shop, eat andbuy gas locally?

So does the buyerof your home.

Make sure home shoppers see your home in this colorcatalog of homes, at hundreds of local distribution pointsall over town.

Learn about our marketing strategy for your home @

RealEstateBookMediaKit.com

TF02LOCAL_US.qxp:DoYouLocal_US 6/3/10 2:51 PM Page 1

Page 15: Hilton Head Vol 13 Iss 9

Warmer rooms. Steaming showers. When your home has natural gas, every day can be the ultimate housewarming. Natural gas offers exceptional comfort, convenience and energy savings year round.

Faster heating. A natural gas furnace warms a home faster with heat up to 25 degrees warmer than electric heat pumps.

Ample hot water. A natural gas water heater heats water about twice as fast as most electric models, and provides faster recovery and seemingly endless supply.

Higher efficiency. Natural gas furnaces and water heaters are more energy efficient, economical to operate and durable compared to electric models.

Come see Liberty Point community in the town of Port Royal, SC and the energy advantage of natural gas. Visit sceg.com/value or call 1-866-523-8242 to learn more.

*Savings calculated based on a home with natural gas for heat and water heating. SCE&G bill credits and offers subject to change. Must meet minimum requirements.

Built by:

KHOV.Com

$ave hundreds with Natural Gas!*

35102.13.9.015.ScanaAd:47006.24.4.012 12/1/11 3:56 PM Page 1

Page 16: Hilton Head Vol 13 Iss 9

ANOTHERFINEPRODUCTFROMNETWORKCOMMUNICATIONS,IN

C.•LAWRENCEVILLE,G

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Recycle.

35102.13.9.016.DatawIsland:47006.24.4.012 12/1/11 3:56 PM Page 1