In execution of a deed of trust executed by Grantor dated December 27, 2010, and recorded in the Clerk's Office of the Circuit Court for the County of Cumberland, Virginia, as Deed Instrument No. 20110022, the undersigned, Jill C. Dickerson, Substitute Trustee, will offer for sale at public auction at the front entrance of the Cumberland County Court House, located at 1 Courthouse Circle, Cumberland, Virginia on the 27th day of November, 2012, 1:00 p.m., the property described in said deed of trust, lying in the County of Cumberland, State of Virginia, and more particularly described as follows:

ALL THAT CERTAIN lot or parcel of land, situate, lying and being in Hamilton Magisterial District, Cumberland County, Virginia, together with the improvements thereon and appurtenances thereunto appertaining, containing 2.00 acres, and being designated and shown and described as parcel 3 on a plat of survey prepared by Carl E. Duncan & Associates, Inc., Land Surveyors, dated August 11, 2006, and revised December 11, 2006, entitled “Compiled Plat Showing 2 New Parcels lying South of Miller Lane (30' Private Road)” a copy of which plat is of record in the Clerk's Office of the Circuit Court of Cumberland County, Virginia as Page 6 of Deed Instrument Number 20060412, to which plat and survey reference is made for a more complete description of the land hereby conveyed.

The property shall be sold with all Improvements located thereon.

Terms: The purchase price in the form of immediately available funds shall be due and payable on the closing date. A deposit in the form of immediately available funds in the amount of 10% of the sale price may be required of the successful bidder at the time of sale. The Substitute Trustee reserves the right to waive or modify the requirements with respect to the bidder's deposit. The successful bidder will be required to close within fifteen days from the date of sale. Time will be of the essence as to the closing date and the payment of the purchase price.

The property shall be sold “AS IS” with no representations or warranties of any kind whatsoever including, but not limited to, zoning, structural integrity, habitability, construction, physical condition, topography, acreage, soil type or content, environmental condition, fitness for a particular purpose or merchantability of all or any part of the property, or availability of public utilities, SUBJECT TO all easements, subdivision plats, rights of way, agreements, declarations, reservations, covenants, conditions and restrictions and other matters of record as they may lawfully affect the property and subject to any information a survey or inspection of the property would disclose. The Purchaser shall pay all costs of closing, recording (excluding Grantor's Tax), and conveyancing, which shall be by Special Warranty Deed. Real estate taxes will be pro-rated as of the date of the foreclosure sale.

Delivery of possession of the property will not be performed by the undersigned Substitute Trustee but will be the responsibility of the Purchaser. The Purchaser will be required to execute an Agreement of Sale concerning the purchase of the property, a copy of which will be available immediately before announcing the auction.

In the event that the Purchaser fails to complete settlement as required, the Deposit shall be retained and applied to the costs of the sale, including the undersigned Substitute Trustee's fees, with the remaining balance delivered to the Noteholder to be applied against amounts secured by the Deed of Trust, and the Property shall be resold at the risk and expense of the defaulting Purchaser. Such retention of the Deposit shall not limit any rights or remedies of the Substitute Trustee or Noteholder with respect to such default. Such undersigned Substitute Trustee and/or the Noteholder may avail themselves of any legal or equitable rights against the defaulting Purchaser.

GIVEN under my hand this 31st day of October, 2012.

Jill C. Dickerson

Substitute Trustee

For Information Contact:

Jill C. Dickerson

JILL C. DICKERSON, P.C.

117 North Main Street

Farmville, Virginia 23901

(434) 392-1422

Publication Dates: November 2, 9, 16 and 23

11-2-4t(F)11-23