Pursuant to the terms of a deed of trust dated February 8, 2008, in the original principal amount of $106,067.00, recorded in the Clerk's Office, Circuit Court for Cumberland County, Virginia, as Instrument Number 20080183, the property briefly described below will be offered for sale at public auction:

Parcel A, containing 2.541 acres, more or less, as the same is duly dedicated platted and recorded in Deed Book 213 at page 325, among the land records for Cumberland County, Virginia, as more particularly described in the referenced Deed of Trust, (the “Property”)

The sale will take place on January 7, 2011, at 9:00 a.m. at the main entrance, to the building housing the Circuit Court for Cumberland County, Virginia.

Terms: A deposit in the form of certified funds in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose.

Johnie R. Muncy and

F & M Services, L.C.

Substitute Trustees

FOR INFORMATION CONTACT:

Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229 Telephone: (804) 288-0088 Ref#225135

Ad dates: December 17, 2010 December 24, 2010

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