In execution of a certain deed of trust dated September 19, 2006, in the original principal amount of $150,400.00 recorded in the Clerk's Office, Circuit Court for Cumberland County, Virginia, in Instrument No. 20061870, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for Cumberland County, Route 60, County Office Building, Cumberland, Virginia, on April 01, 2011, at 8:31 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN TRACT OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, CONTAINING TEN (10) ACRES, MORE OR LESS, SITUATE, LYING AND BEING IN HAMILTON MAGISTERIAL DISTRICT, CUMBERLAND COUNTY, VIRGINIA, DESIGNATED AS PARCEL FF ON A PLAT OF SURVEY MADE CIRCUIT COURT OF CUMBERLAND COUNTY, VIRGINIA, IN DEED BOOK 125 AT PAGE 200. TOGETHER WITH A NON-EXCLUSIVE PERPETUAL EASEMENT FOR RIGHT OF WAY FOR INGRESS AND EGRESS OVER THE EXISTING PRIVATE ROAD. LESS AND EXCEPT THAT CERTAIN PARCEL CONTAINING 1.85 ACRES, DESIGNATED AS LOT FF1 CONVEYED TO CHARLES M. LALA AND BOBBIE J. LALA BY DEED DATED JUNE 20 1975 AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF CUMBERLAND COUNTY, VIRGINIA IN DEED BOOK 125, AT PAGE 202..TERMS OF SALE: ALL CASH. A bidder's deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within fifteen (15) days of sale, otherwise Purchaser's deposit may be forfeited to Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the status of the loan with the loan servicer including, but not limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of his deposit without interest. Additional terms to be announced at the sale. A form copy of the Trustee's memorandum of foreclosure sale and contract to purchase real property is available for viewing at www.bgwsales.com. This is a communication from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 2020 N. 14th Street, Suite 750, Arlington, VA 22201, (703) 548-4600. For information contact: Bierman, Geesing, Ward & Wood, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bgwsales.com. BGWW# 126128 ASAP# 3937685 03/11/2011, 03/18/2011

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