NOTICE OF SALE BY VIRTUE of a decree heretofore granted in the case of: Federal National Mortgage Association ("Fannie Mae"), a corporation organized and existing under the laws of the United States of America vs. Sherry Garnes; Barry N. Garnes; CitiMortgage, Inc.; Keowee Key Property Owners' Association, Inc.; , C/A No. 14-CP-37-0237, The following property will be sold on August 4, 2014, at 11:00 AM at the Oconee County Courthouse to the highest bidder: All that certain piece, parcel or lot of land, lying and being situate in the State of South Carolina, County of Oconee, being known and designated as Lot Number Seventy-One (71), Unit Number Eighteen (18), of Lake Keowee (or Keowee Key) Subdivision, as shown and more fully described on a plat thereof prepared by Wayne R. Garland, Surveyor, dated April 8, 1984 and recorded in Plat Book P-45, Page 206, records of Oconee County, South Carolina. Derivation: Book 1522; Page 28 5 Calm Sea Dr, Salem, SC 29676 099-01-03-008 SUBJECT TO ASSESSMENTS, OCONEE AD VALOREM TAXES, EASEMENTS AND/OR, RESTRICTIONS OF RECORD, AND OTHER SENIOR ENCUMBRANCES. TERMS OF SALE: A 5% deposit in certified funds is required. The deposit will be applied towards the purchase price unless the bidder defaults, in which case the deposit will be forfeited. If the successful bidder fails, or refuses, to make the required deposit on the day of sale or fails or refuses to comply with the bid within 20 days, then the property will be resold at the bidder's risk. No personal or deficiency judgment being demanded, the bidding will not remain open after the date of sale, but compliance with the bid may be made immediately. The successful bidder will be required to pay interest on the balance of the bid after the deposit is applied from date of sale to date of compliance with the bid at the rate of 6.875% per annum. For complete terms of sale, see Judgment of Foreclosure and Sale filed with the Oconee County Clerk of Court at C/A #14-CP-37-0237. NOTICE: The foreclosure deed is not a warranty deed. Interested bidders should satisfy themselves as to the quality of title to be conveyed by obtaining an independent title search prior to the foreclosure sale date. Beverly H. Whitfield Clerk of Court for Oconee County John J. Hearn, Esq. Attorney for Plaintiff P.O. Box 100200 Columbia, SC 29202-3200 (803) 744-4444 016477-00689 FN Website: (see link to Resources/Foreclosure Sales) A-FN4473223 07/18/2014, 07/25/2014, 08/01/2014