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LEGAL NOTICE CONSTRUCTION BIDS REQUESTED Sealed bids will be received by the Green Township Trustees, Brown County, Ohio, at the Township Hall, 3827 Greenbush West, Mt. Orab, Ohio, until 7:00 PM, August 26, 2013, and then, at said location, publicly opened and read aloud, for furnishing labor, materials, tools equipment and services for: EQUIPMENT STORAGE BUILDING All in accordance with the Contract Documents as prepared by, Steven P. Smith Architect 978 State Route 125 Hamersville, Ohio 45130 513-519-6375 No proposals will be considered which are not based on the Contract Documents. The bids shall contain the full name of each person and company interested in same, and shall be marked on the outside “Bid for Equipment Storage Building”.

Bidding documents may be obtained for the nonrefundable cost of reproduction through the Architect, 513-519-6375. Bidders must register with the Architect.

Addenda will be sent only to those so registered.

Drawings, Specifications and other Bid Documents may be examined through arrangement with the Architect.

Bidders shall submit with their bids a Bid Guaranty in the form of either (1) a combined Guaranty and Contract bond, (2) a certified check, a cashier’s check drawn on a solvent bank or (3) an irrevocable letter of credit, as Bid security. Bid security shall be in the amount of ten percent (10%) of the Bid amount. Guaranties shall be made payable to the Green Township Trustees. The Bid guaranty shall be in strict compliance with the Ohio Revised Code, Section 153.54 and Sections 153.57 and 153.571 as applicable. The successful Bidder will be required to submit contract security in the amount of one hundred percent (100%) of the Contract Sum, on the form provided. Other forms will not be accepted.

This contract is NOT subject prevailing Wage.

Bids may be mailed in advance to Pam Cambell, Green Township Fiscal Officer, 3827 Greenbush West, Mt. Orab, Ohio 45154 and must be marked on the outside as stipulated above.

Bidders shall meet all applicable governing, local state and federal laws and regulations, including those concerning nondiscrimination employment opportunity, health, safety and others.

The Green Township Trustees reserve the right to reject any and all Bids, waive any irregularities or informalities in the Bidding, and to withhold final awarding of the Contracts for sixty (60) days after opening of the bids.

Green Township Trustees Jay Holden Daren Howser Gary R. Frye BCP 8-4-13, 8-11-13 ---------------------------------------NOTICE OF SALE UNDER JUDGEMENT OF FORECLOSURE OF LIENS FOR DELINQUENT LAND TAXES Revised Code Sec. 5721.19.1 In the Court of Common Pleas, Brown County, Ohio Case No. 20130352CVE In the Matter of Foreclosure of Liens for delinquent land taxes County Treasurer of Brown County, Ohio Plaintiff -vsParcels of and encumbered with delinquent tax liens Glen A. Wiedenbein, et al Defendants Whereas, judgement has been rendered against certain parcels of real property for taxes, assessments, penalties, costs and charges as follow: (1) Parcel No. 29-055680.0100 Judgement $704.86 plus interest & accuring costs to date of sale.

Said premises located at New Harmony - Shiloh Road, Mt. Orab, Ohio 45154 Prior Instrument Ref: Official Record Book 208, Page 5, Brown County Recorder’s Office Parcel No. 29-055680.0200 Judgement $704.86 plus interest & accuring costs to date of sale.

Said premises located at New Harmony - Shiloh Road, Mt. Orab, Ohio 45154 Prior Instrument Ref: Official Record Book 208, Page 5, Brown County Recorder’s Office Parcel No. 29-055680.0500 Judgement $704.86 plus interest & accuring costs to date of sale.

Said premises located at New Harmony - Shiloh Road, Mt. Orab, Ohio 45154 Prior Instrument Ref: Official Record Book 208, Page 5, Brown County Recorder’s Office Per order of the court parcels will be sold individually.

Whereas, such judgement orders such real property to be sold by the undersigned to satisfy the total amount of said

judgement; Now, therefore, public notice is hereby given that I, Dwayne Wenninger, Sheriff of Brown County, Ohio, will sell such real property at public auction, for cash to the highest bidder of an amount sufficient to satisfy the judgement against each parcel at 1:00 p.m., at the west door of the courthouse of the square in Georgetown, Ohio, on Monday, the 9th day of September, 2013, and continue from day to day thereafter, if any parcel does not receive a sufficient bid, it shall be offered for sale, under the same terms and conditions of the first sale and at the same time of day and at the same place, on the 23rd day of September 2013, (2) for an amount sufficient to satisfy the judgement against the parcel.

Dwayne Wenninger Sheriff of Brown County, Ohio Steve W. Purtell #0062624, Attorney Publication Dates; August 4, 11, 18, 2013

Footnote (1) Here set out, for each parcel, the respective permanent parcel number, full street address, description, name and address of the last owners as shown on the general tax list, and total amount of each judgement.

Footnote (2) The date for the second offering must be not less than two weeks nor more than six weeks after the date of the first offering.

---------------------------------------NOTICE OF SALE UNDER JUDGEMENT OF FORECLOSURE OF LIENS FOR DELINQUENT LAND TAXES Revised Code Sec. 5721.19.1 In the Court of Common Pleas, Brown County, Ohio Case No. 20130095CVE In the Matter of Foreclosure of Liens for delinquent land taxes County Treasurer of Brown County, Ohio Plaintiff -vsParcels of and encumbered with delinquent tax liens Mark Adams, et al Defendants Whereas, judgement has been rendered against certain parcels of real property for taxes, assessments, penalties, costs and charges as follow: (1) Parcel No. 41-076812.0000 & 41-076808.0000 - Judgement $6,804.25 plus interest & accuring costs to date of sale.

Said premises located at 1195 Flora Avenue, Ripley, Ohio 45167 Prior Instrument Ref: Official Record Book 25, Page 714, Brown County Recorder’s Office, Georgetown, Ohio 45121 Whereas, such judgement orders such real property to be sold by the undersigned to satisfy the total amount of said judgement; Now, therefore, public notice is hereby given that I, Dwayne Wenninger, Sheriff of Brown County, Ohio, will sell such real property at public auction, for cash to the highest bidder of an amount sufficient to satisfy the judgement against each parcel at 1:00 p.m., at the west door of the courthouse of the square in Georgetown, Ohio, on Monday, the 9th day of September, 2013, if any parcel does not receive a sufficient bid, it shall be offered for sale, under the same terms and conditions of the first sale and at the same time of day and at the same place, on the 23rd day of September 2013, (2) for an amount sufficient to satisfy the judgement against the parcel.

Dwayne Wenninger Sheriff of Brown County, Ohio Steve W. Purtell #0062624, Attorney Publication Dates; August 4, 11, 18, 2013 Footnote (1) Here set out, for each parcel, the respective permanent parcel number, full street address, description, name and address of the last owners as shown on the general tax list, and total amount of each judgement.

Footnote (2) The date for the second offering must be not less than two weeks nor more than six weeks after the date of the first offering.

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SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20120764CVE Bank of America, N.A. successor by merger to BAC Home Loans Servicing L.P. fka Countrywide Home Loans Servicing L.P. Plaintiff -vsDouglas E. Loudermilk, et al Defendant In pursuance of a Pluries Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Pike to-wit: Situated in the Township of Pike, County of Brown and the State of Ohio: Situate in G. Light’s Military Survey No. 12754 and in M. Day’s Military Survey No. 14564, Pike Township, Brown County, Ohio and being all of Lot 8 of Grant’s Landing Subdivision, Section Two as recorded in Plat Cabinet 2, Slide 41 in the Office of the Recorder of Brown County, Ohio.

Surveyed by Gerald S. Renshaw, Professional Surveyor No. 4872 on September, 1994.

Subject to plat restrictions of record.

Premises commonly known as: 3462 Kyle Lane Mt. Orab, OH 45154 Permanent Parcel No(s).: 29-056672.1000 Prior Deed Reference: OR Vol. 135, Page 399 Said Premises Located at 3462 Kyle Lane, Mt. Orab, Ohio 45154 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $62,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Any sum not paid within thirty days shall bear interest at the rate of ten percent (10.00%) per annum from the date of sale.

Dwayne Wenninger Sheriff Brown County, Ohio George J. Annos #0060075 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130007CVE 21st Mortgage Corporation Plaintiff -vsBrian K. Fox, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Franklin to-wit: Being situated in Benjamin Mosley’s Military Survey No. 1153, Franklin Township, Brown County, State of Ohio, and being all of Lot 9 of Georgetown Meadows as recorded in Plat Cabinet 2, Slide 30 & 31 of the recorded plat of the Brown County Recorder’s Office.

Containing 2.6367 acres of land and subject to all legal highways, easements and restrictions of record.

Surveyed by Gerald S. Renshaw, Professional Surveyor No. 4872 on Jan. 3, 1996.

Known As: 5892 Wells Goecke Road, Georgetown, OH 45121 Parcel No. 090169120210 Prior Deed Reference: Volume 166, Page 128 Said Premises Located at 5892 Wells Goecke Road, Georgetown, Ohio 45121 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $49,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of the appraised value and that failure to complete the sale will result in the forfeiture of the deposit.

Dwayne Wenninger Sheriff Brown County, Ohio David J. Demers #0055423 Attorney ----------------------------------------

SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20121065CVE US Bank National Association, as Trustee for Citigroup Mortgage Loan Trust, Inc. 2007 AHL1, Asset Backed PassThrough Certificates Series 2007-AHL1 Plaintiff -vsJerome R. Kombrinck AKA Jerome E. Kombrinck, et al Defendant In pursuance of an Alias Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Perry to-wit: EXHIBIT A Legal Description: Being situated in the Samuel Cabell’s Virginia Military Survey No. 5229, in the Township of Perry, in the County of Brown, in the State of Ohio and bounded and described as follows; Beginning at reference point at a spike found at the intersection of the centerlines of Bauer Road T-102 and Woodville Road C-46 and at a corner to 7.09 acres of John D. O’Nan as recorded in Deed Book 172, Page 502; thence with the centerline of said Bauer Road for the next two calls, S. 52 deg. 21 min. 37 sec. W. a distance of 319.90 feet to a spike found; thence S. 51 deg. 59 min. 15 sec. W. a distance of 483.20 feet to a 1/4” spike set in the centerline of said Bauer Road and being the real point of beginning; thence with three division lines through the original 50.464 acres, S. 37 deg. 38 min.

23 sec. E., passing a 5/8” iron pin set at 20.00 feet, a distance of 994.77 feet to a 5/8” iron pin set; thence S. 51 deg. 30 min. 35 sec.

W. a distance of 437.24 feet to a 5/8” iron pin set; thence N. 37 deg. 38 min. 23 sec. W., passing a 5/8” iron pin set at 978.42 feet, a distance of 998.42 feet to a 1/4” spike set in the centerline of said Bauer Road; thence with said centerline N. 51 deg. 59 min. 15 sec. E. a distance of 437.20 feet to the beginning, containing 10.002 acres more or less, and being a part of the original 50.464 acres of the premises transferred to Elmer Atkins as recorded in O.R. 66, Page 508 and subject to all legal highways, easements and restrictions; Bearings are magnetic and based upon the N. 51 deg. 59 min. 15 sec. E. line.

An actual field survey of this property was made by Robert E. Satterfield, Surveyor No. 4238, West Union, Ohio on January 5, 1999.

Parcel Number: 230498040016/ Property Address: 1992 Bauer Road, Blanchester, OH 45107 Deed Reference Number: dated May 5, 2001, filed May 16, 2001, recorded in Official Records Voume 237, Page 1793, as re-recorded on January 28, 2002, in Official Records Volume 252, Page 1489, Recorder’s Office, Brown County, Ohio Case Number: CV 20121065 12-024496_DAW Said Premises Located at 1992 Bauer Road, Blanchester, Ohio 45107 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $160,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashier’s check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If the purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the costs associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio Michael E. Carleton #0083352 Attorney ----------------------------------------

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SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20120656CVE Wells Fargo Bank, NA Plaintiff -vsRobert Henry, aka Robert L. Henry, et al Defendant In pursuance of an Alias Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Clark to-wit: Situated in the Township of Clark, County of Brown and State of Ohio: A parcel of land situated in Clark Township of Brown County, State of Ohio and in D. Scott’s Military Survey No. 5077 and J. Watt’s Military Survey No. 3701, lying North of and adjacent to White Oak Valley Road and West of and adjacent to Eastside Road and more particularly described as follows: Beginning at a spike found at the intersection of the centerline of Eastside Road with the centerline of White Oak Valley Road; thence along White Oak Valley Road North 66 deg. 16’ 00” West, 203.53 feet to a spike set; thence with a severance line; N. 5 deg.

50’ 54” East 398.38 feet to a 1/2” iron pin set, and North 84 deg.

05’ 08” East, 197.73 feet to a spike found in Eastside Road; thence along Eastside Road S. 5 deg. 30’ 01” West, 19.10 feet to a spike found, and S. 5 deg. 50’ 54” West, 482.09 feet to the place of beginning and containing 2.00 acres, subject to all existing easements and rights of way of record. Bearings are based upon the record bearing (N. 66 deg.

16’ 00” W) of the centerline of White Oak Valley Road.

A survey of this property was made by James B. Mitchell, Registered Surveyor No. 6692 in October 1993. This survey is referred to in his records as Job No. 93-186 in the office of Mitchell Surveying, Phone No. 937-377-2975.

Parcel Number(s): 030024360200 Property Address: 10707 Eastside Road, Hamersville, OH 45130 Deed Reference Number: dated October 31, 2003, filed November 14, 2003, recorded in Official Records Volume 299, Page 1772, Recorder’s Office, Brown County, Ohio Said Premises Located at 10707 Eastside Road, Hamersville, Ohio 45130 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $110,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashier’s check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If the purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the costs associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio Michael E. Carleton #0083352 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130314CVE Donald R. Layman Plaintiff -vsKimberly Sue Layman, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Clark to-wit: ATTACHMENT A PARCEL 6-WD Being a parcel of land lying on the right side of the centerline of survey of State Route 125, made for the Ohio Department of Transportation, District 9 as recorded in Plat Book 5, Page 48 of the records of Brown County.

Situate in the Township of Clark, County of Brown, State of Ohio, being in J. Watts Virginia Military Survey No. 3786 and being part of a 0.98 acre tract of land as conveyed to Donald Ray Layman, II and Kimberly Sue

Layman by deed of record in Official Record 52, Page 592 (all references to deeds, microfiche, plats, surveys, etc. refer to the records of the Brown County Recorder’s Office, unless noted otherwise) and being more particularly bounded and described as follows: Beginning at a MAG nail set marking the intersection of the centerline of Sodom Road and the centerline of State Route 125 (Sodom Rd Sta. 100+00.00, S.R. 125 Sta. 72+02.34); thence along the centerline of S.R. 125, the north line of said V.M.S. No. 3786, the north line of said 0.98 acre tract, and the south line of V.M.S. 2937 South eighty-one degrees twenty-eight minutes eight seconds East (S81 deg. 28’ 08” E) for one hundred seen and 95/100 feet (107.95’) to a MAG nail set marking the northeast corner of said 0.98 acre tract and the northwest corner of a 3.321 acre tract of land as conveyed to John S. Layman and Charlotte I. Layman by deed of record in Deed Book 242, Page 199 (S.R. 125 Sta. 73+10.29); thence along the east line of said 0.98 acre tract and the west line of said 3.321 acres tract South nine degrees thirty-three minutes three seconds West (S09 deg. 33’ 03” W) for seventy and 01/100 feet (70.01’) to an iron pin set (S.R. 125 Sta. 73+09.04, 70.00 feet right); thence across said 0.98 acre tract for the following three (3) courses: 1.) North eighty-one degrees twenty-eight minutes eight seconds West (N81 deg. 28’ 08” W) for fourteen and 04/100 feet (14.04’) to an iron pin set (S.R. 125 Sta. 72+95.00, 70.00 feet right); 2.) North fifty-two degrees four minutes fifty-two seconds West (N52 deg. 24’ 52” W) for fifty-one and 48/100 feet (51.48’) to an iron pin set (S.R. 125 Sta. 72+50.00, 45.00 feet right); 3.) North eighty-one degrees four minutes twelve seconds West (N81 deg. 04’ 12” W) for one hundred forty-two and 95/100 feet (142.95’) to an iron pin set in the west line of said 0.98 acre tract and the east line of a 173.00 acre tract of land as conveyed to Richard C. Bissantz by deed of record in O.R. 286, Page 203 (S.R. 125 Sta. 71+10.40, 47.45 feet right and Sodom Rd. Sta 99+04.71, 44.00 feet right); thence along the east line of said 173.00 acre tract and the west line of said 0.98 acre tract North seven degrees forty-three minutes forty-three seconds East (N07 deg. 43’ 43” E) for fortyfour and 01/100 feet (44.01’) to a MAG nail set marking the northwest corner of said 0.98 acre tract and the northeast corner of said 173.00 acre tract, also being in the centerline of Sodom Road (S.R. 125 Sta. 71+06.62, 3.61 feet right, Sodom Rd. Sta. 99+04.10); thence along the centerline of Sodom Road the north line of said V.M.S. No. 3786, the north line of said 0.98 acre tract, and the south line of V.M.S. No. 2937 South eighty-one degrees twenty-eight minutes eight seconds East (S81 deg. 28’ 08” E) for ninety-five and 90/100 feet (95.90’) to the TRUE POINT OF BEGINNING, containing zero and 229/1000 (0.229) acres, more or less, subject however to all covenants, conditions, restrictions, reservations, rights-ofway, and easements contained in any instrument of record pertaining to the above described tract of land.

It is understood that the above described tract contains 0.229 of an acre, more or less including the present road, which occupies 0.140 of an acre, more or less.

The Brown County Auditor’s Office carries the affected tract as a 0.98 acre tract with Parcel No. 3-003236.0000.

The Grantor claims title by instrument of record in Official Record 52, Page 592, Recorder’s Office, Brown County, Ohio.

All iron pins set are 3/4” diameter rebar, 30” long.

This description was prepared by Douglas Pack P.S. 7234. This description is based on a field survey performed by Woolpert LLP under the direction of Steven W. Newell P.S. 7212 in October, 2000.

Bearings are based on a survey performed by the Ohio Department of Transportation in November 1993, and are an assumed meridian and are used to denote angles only.

Prior Deed Reference: Official Record Volume 425; Page 1916.

Said Premises Located at 1376 State Rt. 125, Hamersville, Ohio 45130 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $68,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio Richard L. Goettke #0010869 Attorney ----------------------------------------

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Page 10 - The Brown County Press - Sunday, August 11, 2013

PUBLIC NOTICES

The Brown County Press - Sunday, August 11, 2013 - Page 11

SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20121268CVE The National Bank & Trust Company -vsDennison M. Donohoo, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Sterling & Pike to-wit: Situated in Sterling Township, and Pike Township, Brown County, Ohio and a part of Charles Lee Survey #3335, and more particularly described as follows: Beginning at a spike in the center of Todd Run New Harmony Road where the same is intersected by the center of Todd Run-Foster Road.

Thence along the center of Todd Run-Foster Road, N. 75 deg. 12’ W. 1735.26’ to a spike.

Thence N. 74 deg. 58’ 56” W., 280.00’ to a spike and the real place of beginning. Thence continuing along said Road, N. 74 deg. 58’ 56” W., 140.00’ to a spike. Thence N. 15 deg. 06’ 18” E., 435.60’ to an iron pin. Thence N. 74 deg. 58’ 56” W., 100.00’ to an iron pin. Thence N. 15 deg.

06’ 18” E., 845.34’ to an iron pin which lies on the South line of Henry Warman. Thence S. 72 deg. 38’ 04” E. 240.19’ along Warman’s line to an iron pin.

Thence S. 15 deg. 06’ 18” W., 1271.10’ to a spike in the center of said Road, and the place of beginning.

The above described tract contains 0.304 acres in Pike Township and 5.726 acres in Sterling Township, for a total of 6.030 Acres.

The above property is the result of a Survey by Paul Brynside whose registration is 4391, in March, 1984.

Being part of the same premises conveyed; by deed recorded in Deed Book 690, page 223 of Clermont County, Ohio Deed Record and Deed Book 209, page 648 of the Brown County, Ohio Deed Records.

Prior Deed Reference: Deed Book 210, page 760, Brown County Deed Records.

Parcel No. 37-070932-0200 Pike Township Parcel No. 290709320600 Property Address: 1227 Todd Run Foster Road, Williamsburg, OH 45176 Prior Deed Reference: O.R. Volume 164, page 340.

Said Premises Located at 1227 Todd Run Foster Road, Williamsburg, Ohio 45176 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $75,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio Malinda L. Langston #0068758 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130094CVE CitiMortgage, Inc. Plaintiff -vsDavid W. Oliver, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Franklin to-wit: EXHIBIT A Legal Description: Real property in the Township of Franklin, County of Brown, State of Ohio, and is described as follows: Situate in B. Moseley’s Military Survey No-1153, Franklin Township, Brown County, Ohio and being bounded and more particularly described as follows: Beginning at a point in the centerline of Straight Creek at the Southwest corner of Kenneth and Sharon L. Staker’s 4.0942 acre tract, as recorded in Deed Book 268, Page 171 of the Deed Records of Brown County, Ohio; Said beginning point being referenced by a 1/2” iron pin set North 03 degrees 17 minutes 47 seconds East distance of 54.74 feet; said beginning point also being on the line of West Fork Associates; Thence from said beginning point and with the line of

said West Fork Associates for the next two (2) courses: North 74 degrees 07 minutes 07 seconds West, a distance of 54.58 feet reference a 1-1/4” iron pipe found North 28 degrees 32 minutes 12 seconds East a distance of 12.00 feet; South 59 degrees 05 minutes 00 seconds West, a distance of 359.48 feet to a point in Straight Creek reference 1-1/4” iron pipe found North 57 degrees 19 minutes 14 seconds West a distance of 30.03 feet; Thence with a new division line through the land of Robert L. and Phyllis A. Turner for the next two (2) courses: North 03 degrees 17 minutes 47 seconds East passing a 1/2” iron pin set at 45.76 feet, a P.K. spike set at 61.72 feet, and a 1/2” iron pin set at 77.68 feet for a total distance of 762.32 feet to a 1/2” iron pin set; South 78 degrees 26 minutes 05 seconds East a distance of 354.22 feet to a 1/2” iron pin found corner to Kenneth and Sharon L. Staker; Thence with the line of said Staker South 03 degrees 17 minutes 47 seconds West passing a 1/2” iron pin set at 505.70 feet for a total distance of 521.15 feet to the place of beginning, containing 5.000 acres, more or less.

Basis of bearing is South 03 degrees 17 minutes 47 seconds West established by G.S. Renshaw’s 1993 survey, 2T-15-457.

Surveyed by Gerald S. Renshaw, Professional Surveyor No. 4872 on 06 April, 1995.

Parcel Number(s): 9017220.0400 Property Address: 9734 Baker-Hanselman Road, Georgetown, OH 45121 Deed Reference Number: dated December 23, 2005, filed January 10, 2006, recorded in Official Records Volume 339, Page 900, Recorder’s Office, Brown County, Ohio Case Number: CVE 20130094 Said Premises Located at 9734 Baker-Hanselman Road, Georgetown, Ohio 45121 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $170,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashiers check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the cost associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio David F. Hanson #0059580 Attorney ----------------------------------------

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219 South High St. Mt. Orab, OH 45154

THE BROWN COUNTY PRESS

SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130176CVE U.S. Bank, National Association, as Successor Trustee to Bank of America N.A. as Successor to LaSalle Bank, N.A. as Trustee for the Merrill Lynch First Franklin Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates, Series 2007-4 Plaintiff -vsJeffrey Thompson, et al Defendant In pursuance of an Pluries Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Green to-wit: Situated in the County of Brown, Township of Green and the State of Ohio, and being more particularly described as follows: Military Survey No. 13598 and Bond Military Survey No. 7449 and more particularly described as follows: Beginning at a point in the centerline of U.S. Route No. 68 and in the center of a bridge over a Township Ditch, said point being the most southerly corner of the land conveyed in Deed Book 57, Page 619 of the Brown County Deed Records; Thence N. 3 deg. 08’ W. 354.78 feet with said U.S. Route No. 68 to a point which is S. 3 deg. 08’ E. 181.50 feet from the original corner of land conveyed in Deed Book 51, Page 9 of the Brown County Deed Records; thence S. 75 deg.

45’ E. 544.50 feet passing a stake at 38.15 feet to a stake in said Township Ditch, thence S. 66 deg. 35’ W. 553.99 feet along the meanders of said Ditch to the place of beginning and CONTAINING 2.118 acres of land and subject to legal highways.

Save & except- .230 ac to State of Ohio O.R. 410, Page 1565.

Parcel Number(s): 100176040000 Prior Deed Info.: General Warranty Deed, OR Book 362, Page 1643, filed July 25, 2007 Said Premises Located at 15422 St. Rt. 68, Mt. Orab, Ohio 45154 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $80,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio John D. Clunk #0005376 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20120650CVE JPMorgan Chase Bank, National Association Plaintiff -vsDouglas P. Hickman, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Sterling to-wit: Being situated in John Breckenridge’s Military Survey No. 3047, Sterling Township, Brown County, State of Ohio, and being all of Lot 9 of Cumberland Meadows as recorded in Plat Cabinet 2, Slide Number 18 of the Brown County Recorder’s Office, Containing 1.4749 acres and subject to all legal highways, easements and restrictions of record.

Parcel No. 37-072192.0900 Address: 2452 Tri County Highway, Mt. Orab, OH 45154 Prior Reference Number: OR Book 72 Page 336-337 Said Premises Located at 2452 Tri County Highway, Mt. Orab, Ohio 45154 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $55,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio Brian Duffy #0089462 Attorney ----------------------------------------

SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20120943CVE CitiMortgage, Inc. successor by merger to Principal Residential Mortgage, Inc. Plaintiff -vsRichard L. Hamm aka Richard Hamm, et al Defendant In pursuance of an Alias Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Sterling to-wit: Exhibit A Being situated in the Military Survey No. 3048, in the Township of Sterling, County of Brown, and State of Ohio, and more particularly described as follows: Being Lot Number 10 of Anderson Subdivision, Section No. 3, as the same is known, numbered and designated on the recorded plat of said subdivision, Plat Book 5, Page 61, Slide 443, Plat Records of Brown County, Ohio.

Being more correctly described as follows: Being situated in J. Breckenridge’s Military Survey No. 3048, in the Township of Sterling, in the County of Brown, in the State of Ohio, and bounded and described as follows: Beginning at a reference point at a spike set at the intersection of Old State Road and New Harmony-Salem Road; Thence with the centerline of said Old State Road S. 74 deg. 05’ E. a distance of 483.50 feet to a spike set in the said centerline and a corner to Ova H. and Beryl Anderson as recorded in Volume 79, Page 519 and being the northwest corner of Lot No. 10 and being the real point of beginning; Thence with said centerline S. 74 deg. 41’ E. a distance of 305.05 feet to a spike set in said centerline and a corner to Lawrence Schwarber; Thence with said Schwarber’s line and the aforementioned Ova H. and Beryl Anderson, S. 15 deg. 12’ 56” W. passing a concrete monument set at 25.00 feet, a distance of 285.50 feet to a concrete monument set; Thence with two lines of said Andersons, N. 74 deg. 40’ 57” W. a distance of 308.56 feet to a a concrete monument set; thence N. 15 deg.

55’ 00” E. passing a a concrete monument set at 260.50 feet, a distance of 285.50 feet to the beginning, containing 2.011 acres more or less, being 1.831 acres in Lot No. 10 and 0.180 acres in the right of way of Old State Road, being a corrected description of Lot No. 10 of Section “3” of Anderson Subdivision as recorded in Plat Book 5, Page 61 and subject to all legal highways and easements. Bearings are magnetic and based upon the S. 74 deg. 41’ E. line along the centerline of Old State Road.

A survey of this property was made by Robert E. Satterfield, Surveyor No. 4238, West Union, Ohio on July 24, 1984.

Property Address: 1936 Old State Road, Mount Orab, OH 45154 Parcel Number: 37072328.0000 Prior Instrument Number: OR Book 79 Page 428 Said Premises Located at 1936 Old State Road, Mt. Orab, Ohio 45154 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $70,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio Lori N. Wight #0080789 Attorney ----------------------------------------

bcpress@frontier.com

The Brown County

PRESS Legal Notice Deadline is Thursday 10:00 a.m.

SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130038CVE Lehman Brothers Holdings Inc. Plaintiff -vsGary L. Dunn II, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Pike to-wit: Situated in Pike Township, Brown County, Ohio and in William Lytle Military Survey No. 4249 and more particularly described as follows: Beginning at a spike in the centerline intersection of New Harmony Road and Locust Ridge Road, thence S. 3 deg. 36’ W. 249.18 feet with the centerline of said Locust Ridge Road to a spike, thence N. 86 deg. 43’ W. 175.77 feet, passing a stake at 20.00 feet to a stake, thence N. 5 deg. 50’ E. 244.24 feet, passing a stake at 224.24 feet to a spike in the corner of New Harmony Road, thence with the centerline of said New Harmony Road S. 88 deg. 30’ E. 166.29 feet to the place of beginning and containing 0.968 acre of land.

A survey of the above property was made by Stanley C. Montgomery, Surveyor No. 3879, dated April 30, 1967.

Parcel Number(s): 29-055164.0000 Prior Deed Info: General Warranty Deed, Recorded in O.R. Book 94, Page 357, Filed on 06/17/1997 Said Premises Located at 1494 New Harmony Shiloh Road, Williamsburg, Ohio 45176 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $110,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio James A. Tully #0084018 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130126CVE Wells Fargo Bank, NA Plaintiff -vsPatricia A. Riggs, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Pleasant to-wit: Legal Description: Situated in the Village of Georgetown, Township of Pleasant, County of Brown, State of Ohio and being more particularly described as Lot Ten (10) of Quail Trace Subdivision Section 1, as the same is more particularly shown on Quail Trace Addition to the Village of Georgetown, Slide 792, Recorder’s Office of Brown County, Ohio.

Parcel Number(s): 330594421000 Property Address: 100 Douglas Lane, Georgetown, OH 45121 Deed Reference Number: dated April 19, 1999, filed May 11, 1999, recorded in Official Records Volume 177, page 863, Recorder’s Office, Brown County, Ohio Case Number: CV 20130126 Said Premises Located at 100 Douglas Lane, Georgetown, Ohio 45121 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $98,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashiers check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If the purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the cost associated with the advertise-

ment and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio Michael E. Carleton #0083352 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130315CVE Nationstar Mortgage LLC Plaintiff -vsJames Armstrong, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Sterling to-wit: Situated in the Township of Sterling, County of Brown and State of Ohio: And being Lot No. Five (5) of Holden Sites Subdivision, Sterling Townhsip, Brown County, Ohio, as the same are known and designated on the recorded plat of said Platebook 4, Page 17 & 21, Slide 295 & 299, Subdivision in the Plat Records, Recorder’s Office, Brown County, Ohio.

Parcel Number(s): 370718200000 Property Address: 17803 Gauche Road, Williamsburg, OH 45176 Deed Reference Number: dated July 20, 2006, filed September 1, 2006, recorded as Official Records Volume 349, Page 1332, Brown County, Ohio records Said Premises Located at 17803 Gauche Road, Williamsburg, Ohio 45176 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $68,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashiers check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the cost associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio David F. Hanson #0059580 Attorney ----------------------------------------

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SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130349CVE Northpointe Bank, et al Plaintiff -vsPeggy A. Barger, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Clark to-wit: Situated in Clark Township, Brown County, State of Ohio, and more fully described as: A parcel of land situated in Clark Twp., Brown Co., Ohio and in J. Know M.S. No. 2737, lying southeast of State Route No. 774, and more particularly described as follows: Beginning at a P.K. nail (set), in the center line of State Route No. 774, a corner of the 32.107 acres conveyed to Melvin & Georgia R. Dunaway, D.B. 218, pg. 584; thence leaving said road, with Melvin & Georgia R. Dunaway’s line, S. 38 deg. 29 min. 10 sec. E., 489.44 feet, Passing a 5/8” iron pin set at 30.00 feet & 477.44 feet, to a point, a corner of the 3.69 acres conveyed to William G. & Peggy G. Barger, D.B. 234, pg. 904; thence with the line of William G. & Peggy G. Barger and Harold Lee Barger (3.69 acres, D.B. 275, pg.

891), S. 51 deg. 45 min. 39 sec.

W., 385.51 feet to a 5/8” iron pin (set); thence continuing with Harold Lee Barger’s line for the next two calls, S. 6 deg. 25 min.

13 sec. W., 196.51 feet to a 5/8” iron pin (set) S. 26 deg. 47 min.

12 sec. W., 145.83 feet to a 5/8” iron pin (set) thence with a division line for the next three calls, N. 21 deg. 46 min. 25 sec. W., 504.30 feet to a 5/8” iron pin (set) N. 51 deg. 56 min. 07 sec. E., 208.72 feet to a 5/8” iron pin (set) N. 38 deg. 03 min. 53 sec. W., 208.72 feet, passing a 5/8” iron pin (set) at 178.72 feet, to a P.K. nail (set) in the center line of State Route No. 774; thence with the centerline of State Route No. 774, N. 51 deg. 56 min. 07 sec. E, 301.74 feet to the place of beginning, containing 5.634 acres, more or less, and subject to existing easements of record.

Bearings are magnetic and based upon the record bearing (N. 33 deg. 34 min. 00 sec. W.) of the northeast line of Clark Heights Subdivision. Being part of the land conveyed to Dorothy M. Barger by deed, recorded in D.B. 234, page 674, in the office of the recorder, Brown Co. Ohio.

A survey of this property was made on March 4, 1997, by Lawrence W. Thatcher, registered surveyor no. 6312.

Also the following: Situated in the County of Brown in the State of Ohio and in the Township of Clark; Being situated in the Military Survey No. 2737, in the Township of Clark, in the County of Brown, in the State of Ohio and bounded and described as follows: Beginning at a spike in the centerline of Pride Hill Road, corner to a 8.493 acres of David Cropper as recorded in volume 137, page 425 and at the southeast corner of the original 27 acres, 1 rod and 13 poles of which this was a part; thence with th ecenterline of Pride Hill Road, S. 64 deg. 36 min. W. a distance of 318.18 feet to a spike in said centerline; thence with two division lines through the original tract, N. 38 deg. 33 min. W., pass an iron pin at 25.67 feet, a distance of 483.44 feet to an iron pin on the south bank of the west branch of Bullskin Creek; thence N. 51 deg. 46 min. E. a distance of 309.84 feet to an iron pin on the south bank of said branch and in the line of David Cropper; thence with said Cropper’s line, S. 38 deg. 33 min. E. a distance of 554.11 feet to the beginning, containing 3.69 acres, more or less, being a part of the 27 acres, 1 rod, 13 poles of the premises transferred to William Barger in Volume 138, page 59, and subject to all legal highways and easements.

A Survey of this property was made by the Robert E. Satterfield, Surveyor No. 4238, West Union, Ohio, in November 1975.

Commonly known as: 1179 Pride Hill Road Parcel No. 03-002164.0100; 03-002164.0000 Prior Deed Ref.: O.R. 417, Page 2408 Said Premises Located at 1179 Pride Hill Road, Hamersville, Ohio 45130 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $78,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger

Sheriff Brown County, Ohio Jeanna M. Weaver #0075186 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20090561CVE U.S. Bank National Association, as Successor Trustee to Bank of America, National Association, as successor by merger to LaSalle Bank, N.A. as Trustee for the MLMI Trust Series 2006-HE6 Plaintiff -vsSonya Dee Stevens, AKA Dee Stevens, et al Defendant In pursuance of an Alias Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Byrd to-wit: EXHIBIT A Legal Description: Situated in the County of Brown, in the State of Ohio and in the Township of Byrd: A tract of land situated in Byrd Township of Brown County, State of Ohio in S. Hopkins Military Survey No. 999, Lying West of and adjacent to Decatur-Eckmansville Road and North of and Adjacent to Hughes Road and more particularly described as follows: Beginning at a spike found at the intersection of the centerline of Decatur-Eckmansville Road with the centerline of Hughes Road; Thence along the centerline of Hughes Road N. 56 Deg. 21’ 07” W., 136.82 feet to a spike set; N. 52 Deg. 41’ 16” W., 217.36 feet to a spike set; N. 50 Deg. 07’ 18” W., 236.91 feet to a spike set, and N. 49 Deg. 43’ 48” W., 502.43 feet to a spike set at a corner to the land of Danny & Margaret Gray; Thence with Danny & Margaret Gray S. 86 Deg. 43’ 50” E., 427.28 feet to a 1/2” iron pin set at a corner to the land of Dean Long; Thence with Dean Long S. 86 Deg. 43’ 50” E., 593.08 feet to a 1/2” iron pin set; Thence with a severance line S. 24 Deg. 56’ 31” W., 170.60 feet to a 1/2 iron pin set, and S. 63 Deg. 13’ 09” E., 141.74 feet to a spike set in the centerline of DecaturEckmansville Road S. 28 Deg. 05’ 13” W., 327.16 feet to a spike found, and S. 29 Deg. 31’ 43” W., 136.60 feet to the place of beginning and containing 8.231 acres.

Being part of the land conveyed to Grant Sowers by Deed Recorded in Deed Book 242, Page 559 in the Office of the Recorder of Brown County, Ohio.

A survey of this property was made by James B. Mitchell, registered surveyor No. 6692 in June, 1992.

Save and except the following described conveyance: A tract of land situated in Byrd Township of Brown County, State of Ohio in S. Hopkins Military Survey No. 999, Lying Northeast of and adjacent to Hughes Road and more particularly described as follows: Beginning at a spike found in the centerline of Hughes Road at a corner to the 123.00 acres conveyed to Danny & Margaret Gray, D.B. 114, Page 48; Thence with the line of Danny & Margaret Gray S. 86 Deg. 43’ 50” E., 427.28 feet to a 1/2” iron pin found at a corner to the 32.8283 acres conveyed to Danny & Margaret Jo Gray, O.R. 152, Pg. 787; Thence with the line of Danny & Margaret Jo Gray S. 86 Deg. 43’ 50” E., 41.03 feet to a 1/2” iron pin set; Thence with a severance line S. 25 Deg. 50’ 47” W., 291.01 feet, passing a 1/2” iron pin set at 271.01 feet, to a spike set in the centerline of Hughes Road; Thence along Hughes Road N. 49 Deg. 43’ 48” W., 446.50 feet to the place of beginning and containing 1.444 Acres. Bearings are magnetic and based upon the record bearing (N. 49 Deg. 43’ 48” W.) Being the centerline of Hughes Road.

Being Part of the 8.231 Acres conveyed to James E. & Sonya Dee Stevens by Deed Recorded in D.B. 263, Page 463 in the Office of the Recorder of Brown County, Ohio.

This description was prepared by James B. Mitchell, registered surveyor No. 6692 on June 7, 2005 based on a field survey.

Parcel Number(s): 010004480100 Property Address: 6708 Hughes Road, Decatur, OH 45115 Deed Reference Number: dated July 13, 1992, filed July 23, 1992, recorded in Deed Book Volume 263, Page 463, Recorder’s Office, Brown County, Ohio Case Number: CVE 09 0561 Said Premises Located at 6708 Hughes Road, Decatur, Ohio 45115 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $229,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashier’s check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If the purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the costs associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio Kyle E. Timken #0071381 Attorney ---------------------------------------SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130203CVE GMAC Mortgage LLC Plaintiff -vsSandra Branham, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Perry to-wit: Legal Description: Situated in the County of Brown, in the State of Ohio and in the Township of Perry: Being all of Lot No. 60 of Section III of Clearview Acres Subdivision, as recorded in Plat Book 7, Page 79, Slide 697 of the Recorder’s Office of Brown County, Ohio.

Subject to all legal highways and all easements and restrictions of record, if any.

Parcel Number(s): 230501044600 Property Address: 2005 Woodland, Fayetteville, OH 45118 Deed Reference Number: dated June 30, 2005, filed July 20, 2005, recorded as Official Records Volume 330, Page 2030, Brown County, Ohio records Said Premises Located at 2005 Woodland, Fayetteville, Ohio 45118 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $42,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashiers check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the cost associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio Michael E. Carleton #0083352 Attorney ----------------------------------------

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SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20130263CVE Nationstar Mortgage LLC Plaintiff -vsDavid A. Daniel, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Franklin to-wit: EXHIBIT A Legal Description: Parcel I: Situated in the Township of Franklin, County Brown, State of Ohio, being a part of T. Pemberton’s Military Survey No. 2741, and being further bounded and described as follows: Beginning at a P.K. nail (found) in the centerline intersection of West Fork Road (County Road No. 66) and Baker-Hanselman Road (Township No. 179), said P.K. nail being the northwesterly corner of the 1.164 acres tract as conveyed to the West Fork Baptist Church (D.B. 276, page 832) as shown on survey plat 2T-15-436; thence with the centerline of Baker-Hanselman Road for the next fourteen calls; (1) S 11 deg 04 min 57 sec E, a distance of 279.94 ft to a R.R. spike (set), said R.R. spike being the southwesterly corner of the 1.164 acres tract as conveyed to West Fork Baptist Church; (2) S 15 deg 51 min 31 sec E, a distance of 25.71 ft to a R.R. spike (set); (3) S 26 deg 25 min 43 sec E, a distance of 77.19 ft to a R.R. spike (set); (4) S 22 deg 06 min 04 sec E, a distance of 77.86 ft to a R.R. spike (set); (5) S 09 deg 15 min 56 sec E, a distance of 134.31 ft to a R.R. spike (set); (6) S 16 deg 34 min 41 sec E, a distance of 86.55 ft to a R.R. spike (set); (7) S 25 deg 57 min 02 sec E, a distance of 100.33 ft to a R.R. spike (set); (8) S 31 deg 14 min 22 sec E, a distance of 65.35 ft to a R.R. spike (set); (9) S 41 deg 27 min 30 sec E, a distance of 124.33 ft to a R.R. spike (set); (11) S 49 deg 34 min 20 sec E, a distance of 88.38 ft to a R.R. spike (set); (12) S 41 deg 46 min 36 sec E, a distance of 92.29 ft to a R.R. spike (set); (13) S 36 deg 05 min 10 sec E, a distance of 79.00 ft to a R.R. spike (set); (14) S 29 deg 33 min 24 sec E, a distance of 73.86 ft to a miner spike (set); thence with a new division line S 76 deg 40 min 11 sec W, passing a 5/8” iron pin (set) at 10.00 ft., and 622.9 ft., a total distance of 647.39 ft to a miner spike (set) in the centerline of West Fork Road (County Road No. 75); thence with the centerline of West Fork Road for the next eleven calls: (1) N 13 deg 19 min 49 sec W, a distance of 64.640 ft to a R.R. spike (set); (2) N 05 deg 17 min 06 sec W, a distance of 70.44 ft to a R.R. spike (set); (3) N 23 deg 58 min 49 sec E, a distance of 55.58 ft to a R.R. spike (set); (4) N 35 deg 28 min 15 sec E, a distance of 87.73 ft to a R.R. spike (set); (5) N 08 deg 57 min 11 sec W, a distance of 63.32 ft to a R.R. spike (set); (6) N 05 deg 09 min 43 sec W, a distance of 311.97 ft to a R.R. spike (set); (7) N 03 deg 03 min 22 sec W, a distance of 124.98 ft to a R.R. spike (set); (8) N 13 deg 41 min 45 sec W, a distance of 78.64 ft to a R.R. spike (set); (9) N 21 deg 37 min 06 sec W, a distance of 95.32 ft to a R.R. spike (set); (10) N 23 deg 04 min 54 sec W, a distance of 315.78 ft to a R.R. spike (set); (11) N 22 deg 32 min 22 sec W, a distance of 114.78 ft to a R.R. spike (set); marking the centerline intersection of West Fork Road and Wahlsburg East Road (Township Road No. 180); thence continuing with the centerline of West Fork Road N 88 deg 35 min 26 sec E, a distance of 223.89 ft to the true point of beginning, containing 8.079 acres of land.

Subject to all legal easements and rights-of-way of record.

Bearings are based upon the record bearing (S 50 deg 13 min 00 sec W) of the centerline of West Fork Road according to the 80.98 acres tract as found in O.R. 051, page 699.

The above description is a part of the 191.012 acres tract as conveyed to Shaker Investments and recorded in Official Record Volume 051, page 699 of the Brown County Recorder’s Office.

Land Surveyed in May 1996, under the direction of Thomas E. Purtell, Registered Professional Surveyor No. 6519, the survey plat of which is referred is as Drawing No. S96-104 on file in the office of the McCarty Associates, Hillsboro, Ohio.

Parcel II: Situated in the Township of Franklin, County Brown, State of Ohio, being a part of T. Pemberton’s Military Survey No. 2741, and being further bounded and described as follows: Commencing at a P.K. nail (found) in the centerline intersection of West Fork Road (County Road No. 66) and

Baker-Hanselman Road (Township No. 179), said P.K. nail being the northwesterly corner of the 1.164 acres tract as conveyed to the West Fork Baptist Church (D.B. 276, page 832) as shown on survey plat 2T-15-436; thence with the centerline of Baker-Hanselman Road for the next fourteen calls; (1) S 11 deg 04 min E, a distance of 279.94 ft to a R.R. spike (set), said R.R. spike being the southwesterly corner of the 1.164 acres tract as conveyed to West Fork Baptist Church; (2) S 15 deg 51 min 31 sec E, a distance of 25.71 ft to a R.R. spike (set); (3) S 26 deg 25 min 43 sec E, a distance of 77.19 ft to a R.R. spike (set); (4) S 22 deg 06 min 04 sec E, a distance of 77.86 ft to a R.R. spike (set); (5) S 09 deg 15 min 56 sec E, a distance of 134.31 ft to a R.R. spike (set); (6) S 16 deg 34 min 41 sec E, a distance of 86.55 ft to a R.R. spike (set); (7) S 25 deg 57 min 02 sec E, a distance of 100.33 ft to a R.R. spike (set); (8) S 31 deg 14 min 22 sec E, a distance of 65.35 ft to a R.R. spike (set); (9) S 41 deg 27 min 40 sec E, a distance of 57.19 ft to a R.R. spike (set); (10) S 54 deg 18 min 30 sec E, a distance of 124.33 ft to a R.R. spike (set); (11) S 49 deg 34 min 20 sec E, a distance of 88.38 ft to a R.R. spike (set); (12) S 42 deg 46 min 36 sec E, a distance of 92.29 ft to a R.R. spike (set); (13) S 36 deg 05 min 10 sec E, a distance of 79.00 ft to a R.R. spike (set); (14) S 29 deg 33 min 24 sec E, a distance of 73.86 ft to a miner spike (set) marking the true point of beginning of the tract of land herein described; thence containing with the centerline of Baker-Hanselman Road for the next three calls; (1) S 29 deg 33 min 24 sec E, a distance of 118.17 ft to a R.R. spike (set); (2) S 32 deg 55 min 49 sec E, a distance of 191.72 ft to a R.R. spike (set); (3) S 37 deg 45 min 01 sec E, a distance of 20.85 ft to a miner spike (set); thence with a new division line S 76 deg 40 min 11 sec W, passing a 5/8” iron pin (set) at 10.00 ft., passing another 5/8” iron pin (set) at 728.34 ft., a total distance of 753.34 ft to a min spike (set) in the centerline of West Fork Road (County Road No. 75); thence with the centerline of West Fork Road N 13 deg 19 min 49 sec W, a distance of 313.05 ft to a miner spike (set); thence with another new division line N 76 deg 40 min 11 sec E, passing a 5/8” iron pin (set) at 25.00 ft., passing another 5/8” iron pin (set) at 637.39 ft., a total distance of 647.39 ft to the true point of beginning, containing 5.010 acres of land.

Subject to all legal easements; and rights-of-way of record.

Bearings are based upon the record bearing (S 50 deg 13 min 00 sec W) of the centerline of West Fork Road according to the 80.98 acres tract as found in O.R. 051, page 699.

The above description is a part of the 191.012 acres tract as conveyed to Shaker Investments and recorded in Official Record Volume 051, page 699 of the Brown County Recorder’s Office.

Land Surveyed in May 1996, under to direction of Thomas E. Purtell, Registered Professional Surveyor No. 6519, the survey plat of which is referred is as Drawing No. S96-104 on file in the office of the McCarty Associates, Hillsboro, Ohio.

Parcel Number(s): 090169000500 and 090169000600 Property Address: 9974 West Fork Road, Georgetown, OH 45121 Deed Reference Number: dated October 31, 1996, filed November 13, 1996, recorded as Official Records Volume 74, Page 34, Brown County, Ohio records.

Case Number: CVE 20130263 Said Premises Located at 9974 West Fork Road, Georgetown, Ohio 45121 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $179,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: To be sold for not less than two-thirds of the appraised value. A deposit equal to 10% of the appraised value of the property must be made in the form of a cashier’s check at the time of sale. The balance of the purchase price must be paid by cashiers check within thirty days of the sale. If the purchaser fails to pay the balance of the purchase price within thirty days of the sale, the deposit shall be forfeited to Plaintiff for the costs associated with the advertisement and resale of the property and for interest charges.

Dwayne Wenninger Sheriff Brown County, Ohio Michael E. Carleton #0083352 Attorney ----------------------------------------

EVERYONE BENEFITS!

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3 Good Reasons Why It Pays To Support Your Local Business.

1. Think about the school carnivals and fund-raising events during the year. Local businesses throughout our area contribute thousands of dollars in money, services and merchandise to help make them successful.

2. When you spend money with local shops and businesses, you help those businesses grow and prosper.

Successful businesses stay around for a long time and help share the tax load for government services.

3. When you shop locally, you help yourself and all of us! Find everything you need in your own backyard, travel fewer miles & save time and gas to boot!

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Tuesday, 10:00 a.m.

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Page 12 - The Brown County Press - Sunday, August 11, 2013

SHERIFF’S SALE OF REAL ESTATE Revised Code, Sec. 2329.26 THE STATE OF OHIO, BROWN COUNTY CASE NO 20120607CVE Fifth Third Bank Plaintiff -vsDawn L. Oberschlake, et al Defendant In pursuance of an Order of Sale in the above entitled action, I will offer for sale at public auction, at the west door of the Courthouse on the Square in Georgetown, Ohio, in the above named County, on Monday, the 9th day of September, 2013, at 1:00 o’clock P.M., the following described real estate, situate in the County of Brown and State of Ohio, and in the Township of Lewis to-wit: Save and except the following described real estate being situated in Military Survey Nos. 1659 and 1662, in the Township of Lewis, in the County of Brown, in the State of Ohio and bounded and described as follows: Beginning at a reference point at the intersection of State Route No. 505 and Bramel Road; Thence with the centerline of State Route No. 505, N. 23 degrees 30 minutes E. a distance of 227.70 feet to a spike in said centerline; Thence N. 32 degrees 30 minutes E. a distance of 20.00 feet to a spike in said centerline and being the real point of beginning; Thence with two division line through the original tract; N. 48 degrees 35 minutes W. a distance of 301.60 feet to an iron pin; Thence S. 57 degrees 20 minutes W. a distance of 422.10 feet to an iron pin on the north bank of a small drain, corner to Mary F. Jennings; Thence with six lines of said Jennings, N. 24 degrees 45 minutes W. a distance of 100.00 feet to stake in the centerline of said drain; Thence with said centerline for the next four calls, N. 87 degrees 00 minutes, W. a distance of 70.00 feet to a stake; Thence N. 38 degrees 30 minutes W. a distance of 145.00 feet to a stake; Thence N. 17 degrees 00 minutes E. a distance of 130.00 feet to a stake; Thence N. 4 degrees 50 minutes W. a distance of 170.00 feet to a stake; Thence N. 39 degrees 00 minutes W. a distance of 385.00 feet to a stake, corner to Ralph L. Davidson; Thence with said Davidson’s line and the line of Cecil Brvens and crossing State Route No. 505 N. 50 degrees 41 minutes 10 sec E. a distance of 2668.00 feet to an iron pin on the west bank of Bullskin Creek; Thence S. 6 degrees 00 minutes E. a distance of 343.20 feet to an iron pin; Thence S. 12 degrees W. a distance of 841.40 feet to a spike in the roadway of State Route No. 505 near a culvert; Thence S. 39 degrees 45 minutes W. a distance of 606.10 feet to a spike in the roadway; Thence S. 32 degrees 30 minutes W. a distance of 559.40 feet to the beginning, containing 52.18 acres more or less, being a part of the 108.006 acres transferred to Vernon Osborne in Volume 103, Page 591 and subject to all legal highways and easements, a survey of the above property was made by Robert E. Satterfield, Surveyor No. 4238, West Union, Ohio in December 1970, see Deed Book 118, Page 340, Deed Records of Brown Co. Ohio.

Also save and except the following described real estate situate in Township of Lewis, County of Brown, State of Ohio, being part of Military Survey Nos. 1659 and 1662 and being bounded and described as follows: Beginning at a point in the centerline intersection of Bramel Road and State Route No. 505, said point being an original corner to the tract which this description is a part said piont also being a corner to Ben Elmer; Thence with Elmer’s lines N. 38 degrees 30 minutes W. a distance of 171.60 feet; Thence S. 51 degrees 04 minutes W. a distance of 87.05 feet; Thence S. 40 degrees 40 minutes E. a distance of 165.00 feet; Thence S. 34 degrees 20 minutes 10 seconds W. a distance of 1294.50 feet; Thtence S. 5 degrees 35 minutes E. a distance of 412.50 feet; Thence S. 14 degrees 20 minutes W. a distance of 297.15 feet to an iron pin, said piont being the point of true beginning; Thence continuing with Elmer’s lines 34 deg. 35 min. E. a distance of 445.50 feet to a stone, said point being the southeast corner to the herein described tract; Thence running with the original south line S. 51 deg. 35 min. W. a distance of 469.67 feet to an iron pin, said point being a corner to Thomas Hamilton; Thence with Hamilton’s line N 38 degrees 25 minutes W. a distance of 1792.38 feet to a spike in the center of J. Bolender Road, said point being a corner to Mary Jennings; Thence with Jennings’ line N. 51 degrees 16 minutes E. a distance of 471.53 feet to an iron pin; Thence with a new division line S. 39 degrees 31 minutes E. a distance of 1350.55 feet to the point of true beginning, containing 20.00 acres of land. This description as part of the land conveyed to Vernon H. Osborne and Marcella F. Osborne by deed recorded in Vol. 103 page 591 of the Brown County Records of

Deeds.

Land surveyed by Charles M. Ryan, Registered Surveyor No. 5383, February 20, 1971. Seed Deed Book 119, Page 356 Deed Records of Brown County, Ohio.

Prior Deed Reference: Deed Book 269, Page 671.

Also save and except 3.4528 acres conveyed by deed from Norma J. Davidson to James Robert Oberschlake and Dawn L. Oberschlake dated January 26, 1996 and recorded February 13, 1996 at OR Book 47, pg. 73, Brown County, Ohio Records.

Also the following described real estate: Situate in F. Taylor’s Military Survey No. 1659 and R.K. Meade’s Military Survey No. 1662, Lewis Township, Brown County, Ohio, and being bounded and more particularly described as follows: Beginning at a P.K. spike set over a spike found on the centerline of State Route No. 505 said beginning point being North 23 degrees 30 minutes 00 seconds East a distance of 135.62 feet and North 27 degrees 54 minutes 34 seconds East a distance of 19.26 feet from the centerline intersection of Bramel Road and State Route No. 505; Said beginning point also corner to Ronald D. and Joanne Nead; Thence from said beginning point and with the centerline of State Route No. 505 South 27 degrees 54 minutes 34 seconds West a distance of 19.26 feet to a P.K. spike set over a spike found on the line of Warren and Sharon Brinkmar; Thence with the line of said Brinkmar for the next two (2) courses: North 38 degrees 30 minutes 00 seconds West a distance of of 171.60 feet to a 1/2” iron pin set; South 51 degrees 04 minutes 00 seconds West a distance of 296.53 feet to a 1/2” iron pin set in Bramel Road on the line of said Brinkmar; Thence with a new division line through the end of James Robert and Dawn L. Oberschlake for the next three (3) courses: North 36 degrees 17 minutes 41 seconds West a distance of 60.32 feet to a 1/2” iron pin set; North 63 degrees 37 minutes 20 seconds West a distance of 105.57 feet to a 1/2” iron pin set; North 04 degrees 27 minutes 42 seconds West a distance of 146.35 feet to a 3/4” iron pin found corner to James T. and Stephanie L. Wilcox and corner to Ronald D. and Joanne Nead; Thence with the line of said Nead North 56 degrees 32 minutes 21 seconds East a distance of 418.72 feet to a 3/8” iron pin found corner to said Nead; Thence with the line of said South 49 degrees 50 minutes 01 second East a distance of 300.76 feet to the place of beginning containing 3.4528 acres more or less subject however, to all legal highways and easements of record and being a part of the land conveyed to James Robert and Dawn L. Oberschlake as recorded in Deed Book 269, Page 671 of the Deed Records of Brown County, Ohio, basis of bearing is the centerline of State Route No. 505 South 23 degrees 00 minutes 00 seconds West established by R. Satterfield’s survey 2T-198-281.

Surveyed by Gerald S. Renshaw, Professional Surveyor No. 4872 on 04 January 1996.

Prior Deed Reference: recorded 11/06/2003 in document number 200300013567, Book 299, Page 624 in said County and State.

Commonly Known As: 7783 State Route 505, Felicity, OH 45120 Said Premises Located at 7783 State Route 505, Felicity, Ohio 45120 There was not an inside inspection of the property and the Sheriff is not liable for the condition of the property upon confirmation of the sale.

Said Premises Appraised at $150,000.00 and cannot be sold for less than two-thirds of that amount.

Publication Dates: August 4, 11, 18, 2013 Terms of Sale: 10% of purchase price to be paid on day of sale. Balance due within 30 days.

Dwayne Wenninger Sheriff Brown County, Ohio Stan C. Cwalinski #0078189 Attorney ----------------------------------------

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Earlier this year, a senior Democrat in the U.S. Senate said he was concerned Obamacare was headed for “a huge train wreck.”

Every day it seems that we are getting a better idea of just what that train wreck looks like—fewer full-time jobs, more difficulties for small businesses, higher insurance premiums, and fewer healthcare choices.

Just yesterday, the Ohio Insurance Department anthat health nounced insurance premiums in the individual market are expected to increase an average of 41 percent in our state next year. That’s money that could be going toward Ohioans’ retirement, groceries, and their children’s higher education; instead it’s going to cover President Obama’s costly mandates. And higher costs are only the beginning of Obamacare’s impact.

Recently, the Obama administration surprised everyone by announcing that it was delaying by a year a core pillar of Obamacare—a provision requiring employers with more than 50 “full-time” employees to offer “affordable health insurance” or face a fine. That requirement has had a number of negative—and entirely predictable—unintended consequences.

First, more and more small businesses are becoming “49ers” and “29ers.” Some employers

SENATOR ROB PORTMAN have felt they have no choice but to freeze growth and hiring at 49 employees rather than coming under the onerous requirements of Obamacare when they cross the 50 employee threshold. Other employers have reduced the hours their employees can work from 40 to the less than 30 hours a week required by Obamacare to keep them from counting as full-time for the purposes of the legislation. It’s no surprise that the “underemployment” working figure—those part-time but wanting to work full time—has been on the rise, spiking by a dramatic 300,000 in June’s jobs report.

President Obama decided to postpone the employer mandate that causes these and other problems until the beginning of 2015. Some have said this was just an effort to avoid the political fall-out until after the 2014 midterm election. The decision may make good political sense for the President and his party, but for the millions of Americans who are either without a job or underemployed, it merely prolongs the economic pain. Employers know the mandate is coming, and it

will continue to encourage them to downsize and reduce hours.

More Americans will either lose their jobs or find it harder to get one, and, as happened last month, more of the jobs that will be available are likely to be part-time jobs that make it harder if not impossible to make ends meet.

To make matters worse, the parts of Obamacare that were supposed to alleviate some of these problems are failing. Earlier this summer, Health and Human Services announced that key components of the Small Business Health Options Program—or SHOP Exchange—will also be delayed until 2015. These provisions were supposed to allow employers to provide workers with a set amount of money to purchase insurance in an online marketplace. HHS pointed to “operational challenges” in their decision to delay the program.

They have given no indication of how they intend to meet these challenges and get the SHOP exchange up and running.

The individual insurance exchanges represent yet another coming challenge.

These exchanges are supposed to come online in October. But not unlike the SHOP Exchange, there is no indication that the technology is in place to make that happen. To make matters worse, state-run exchanges that are in

place—currently in sixteen states and the District of Columbia—are not able to verify employer insurance or income eligibility for substantial federal subsidies during the first year of operation. This means that there is no way to verify that someone who claims a government subsidy actually qualifies, opening the program to unintended risks of fraud and waste of taxpayer dollars.

President Obama sold his healthcare reform law by promising it would spur job growth, allow all of us to keep the healthcare we have, and reduce the costs of healthcare insurance.

Unfortunately, every one of those promises has proven false. The legislation is instead becoming the train wreck many of us feared.

I believe our healthcare system as a whole needs reform, but it needs reform that works. It needs patient-centered reform that actually reduces the escalating cost of health care coverage and focuses on rewarding quality. The recent actions by the Administration only confirm the problems with Obamacare, and pushing the problems off for another year isn’t going to make it better.

Obamacare should be repealed and replaced with bipartisan solutions that address the high cost and uneven quality of healthcare.

That’s the way to avoid the train wreck and get our healthcare system on track.

Residential Financing in a Nut Shell: Conventional and Government-Guaranteed Mortgages Generally, you can finance a home through a conventional mortgage, a government-guaranteed mortgage, or through seller financing. This article focuses on residential financing through the use of conventional mortgages and government-guaranteed mortgages.

Q: What is a conventional mortgage, and how can I get one to finance my home?

A: A conventional mortgage is a loan that a lender (such as a bank or a mortgage company) makes to a buyer. A conventional mortgage generally follows guidelines set by Fannie Mae or Freddie Mac, two mortgage associations that the U.S. government originally created to raise home ownership levels. Although created by the government, Fannie Mae and Freddie Mac do not guarantee home loans (unlike VA and FHA loans, which the government guarantees). When shopping for a conventional mortgage, you will compare interest rates and terms.

Most conventional mortgages have fixed or adjustable interest rates.

Typical fixed-rate loans have a term of 15 or 30 years. A shorter-term loan generally carries a lower interest rate. Adjustable-rate mortgages (ARMs) fluctuate, so your monthly payments can go up or down according to the rate of a standard financial index.

Before agreeing to give you a conventional mortgage, the lender will review your financial history, income and credit score. Generally, you will need an excellent credit score to qualify for a conventional mortgage with a good interest rate. The standard down payment for a conventional loan is currently 20 percent of the purchase price.

Q: What are the benefits of getting a conventional mortgage?

A: Typically, conventional mortgage loans are less expensive over the life of the loan than government-guaranteed loans.

Q: What are the drawbacks of a conventional mortgage?

A: Some borrowers have difficulty qualifying for a conventional mortgage because they cannot meet credit score or other documentation requirements.

Q: What is a government-guaranteed loan, and might I qualify for one?

LAW YOU CAN USE OHIO STATE BAR

A: Government mortgages are guaranteed either by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs (VA). This means that the government guarantees that the value of the home will be high enough to repay the lender in the event of foreclosure.

To qualify for a government loan, you must meet the requirements of the loan program you choose. VA loans are for military veterans.

FHA loans are typically for first- time home buyers and have income limitations.

Q: What are the benefits of getting a governmentguaranteed loan?

A: There are two primary benefits. Initially, and for many new home buyers, the most important benefit is that the lender will loan you a much higher percentage of the purchase price.

FHA and VA loans typically cover nearly 100 percent of the loan as compared to the home’s value, while a standard mortgage covers no more than 80 percent of this “loan-to-value” ratio. Secondly, a government program generally doesn’t require as high a credit score as conventional financing does.

Q: Are there any drawbacks to financing my home through government -guaranteed loans?

A: Yes. The government insurance component is not free. As a borrower, you would pay an insurance premium to the government that can be as much as three percent of the loan amount, depending on the loan-tovalue ratio. Also, not everyone qualifies for government-guaranteed loans. A VA loan is intended for veterans and FHA loans are restricted to those who qualify according to income and other criteria. Additionally, government-guaranteed loans require inspections by certified inspectors and will require certain repairs to be made.

Many sellers do not like working with buyers who use government-guaranteed loans because of these requirements and because some fees traditionally paid by buyers are required to be paid for by the seller.

Q: What if I don’t qualify for a government-guaranteed loan and don’t have 20 percent down payment money for a conventional mortgage?

A: You can also consider getting private mortgage insurance so that you can borrow more than 80 percent of the value of the home you want to buy. Private mortgage insurance increases the overall cost of the loan, and this cost is built into your payments or financed through a higher interest rate.

Q: How do I find out which loan is right for me?

A: Any reputable, fullservice mortgage lender will offer both standard financing and governmentguaranteed financing, and will be able to explain the product options to you.

The Department of Housing and Urban Development (HUD) provides information about mortgage loan shopping and the home

buying experience. HUD’s mortgage borrower’s information booklet is available at: www.hud.gov/buying/book let.pdf.

This ‘Law You Can Use’ column was prepared by the Ohio State Bar Association (OSBA). It was provided by the Internal Revenue Service (www.IRS.gov). The coloffers general umn information about the law.

Seek an attorney’s advice before applying this information to a legal problem.

For more information on a variety of legal topics, visit the OSBA’s website at www.ohiobar.org.

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The Obamacare train wreck is upon us

B R O A D S H E E T O D D

2nd Annual – 4 Man Golf Scramble Cincy Shock Fastpitch – 14u Shiveley September 14th @ 1 P.M. (Shotgun Start) Registration @ 12 P.M. Friendly Meadows Golf Course Hamersville, Ohio 1st Place - $1000.00 2nd Place - $500.00 “Based on entry of 36 Teams” $10,000 / Hole-In-One Raffle prizes will be available Contests: Longest Putt, Putting Contest, Closest to Pin, Closest to Line, Longest Drive etc.

Fees are $70 per golfer “Entry Fees Need Turned In By September 1st Mail Checks/Payable to: Cincy Shock Fastpitch c/o David Shiveley 777 South High Street Mt. Orab, OH 45154

Fees include 18 holes of golf, golf cart, food, drinks, & fun!

For more details, to sign up as a player or to sponsor a hole for $100, please call

David “Rock” Shiveley 513-403-4190 All proceeds will go directly to the team for uniforms and tournament fees.

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The Brown County Press - Sunday, August 11, 2013 - Page 13

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