In execution of a Deed of Trust securing the original principal amount of $300,000.00 recorded in the Clerk's office of the Circuit Court of Cumberland County, Virginia as Instrument Number 20080478 and increased to $370,000.00 by Deed of Trust Modification Agreement recorded in the Clerk's office of the Circuit Court of Cumberland County, Virginia as Instrument Number 20080851, collectively, (the Deed of Trust”), default having been made in the payment of the debt therein secured and in the performance of covenants therein contained, and being requested to do so by the holder of the note secured thereby (“Beneficiary”), the undersigned Trustee (“Trustee”), after giving not less than 14 days notice to the owner of the property described below by certified mail, return receipt requested, of the date, time place and terms of sale, will offer for sale the property described below at public auction on the front steps of the Circuit Court of Cumberland County, Virginia, located at 1 Courthouse Circle, Cumberland, Virginia 23040 on Tuesday, December 7, 2010, at 12:00 P.M. (local time). The real property to be sold, together with any improvements and appurtenances, is located on Anderson Highway, Cumberland County Virginia and is identified as Tax Map No. 045-A-11 (the “Property”), the same being more particularly described in the Deed of Trust, to which reference is hereby made for a more particular description.

TERMS OF SALE: Cash. Settlement within 15 days of the sale, time being of the essence. The Property shall be sold “AS IS, WHERE IS, AND WITH ALL FAULTS,” with no representations or warranties of any kind and subject to all recorded or unrecorded matters of title prior to the lien of the Deed of Trust. Procedures and terms of the sale shall be subject to the Trustee's discretion, shall be announced prior to the sale and shall control. The successful bidder to execute a contract of sale required by the Trustee at the conclusion of the sale. A bidder's deposit of 2,500.00 by certified check payable to the Trustee shall be required at commencement of the sale. The successful bidder shall be responsible for all transfer costs and taxes, including the grantor's tax. Risk of loss or damage to the Property all liabilities of ownership of the Property will pass to the successful bidder at the end of the sale on December 7, 2010. Obtaining possession of the Property shall be at the sole cost, risk and expense of the successful bidder. Should the successful bidder fail to close, the deposit shall be forfeited, and the Property shall be offered to the next highest different bidders, in succession, and thereafter resold at risk and expense of defaulting successful bidder. Conveyance of the Property shall be by Special Warranty Deed.

FOR INFORMATION CONTACT: Scott D. Stolte, Esquire, Trustee, 710 North Hamilton Street, Richmond, Virginia 23221 (804) 358-4731.

11-26-3t(WF)12-3