By virtue of the power and authority contained in a Deed of Trust dated December 30, 2003, and recorded at Instrument Number 20040021 in the Clerk's Office for the Circuit Court for Cumberland, VA, securing a loan which was originally $60,000.00. The appointed SUBSTITUTE TRUSTEE, Commonwealth Trustees, LLC will offer for sale at public auction at Main Entrance of the Circuit Court for Cumberland, 1 Courthouse Circle, Cumberland, VA on

October 11, 2011 at 1:30 PM

improved real property, with an abbreviated legal description of All that certain lot, piece or parcel of land, with all improvements thereon and appurtenances thereto belonging, lying and being in the Hamilton District of Cumberland County, Virginia, containing 2.10 acres, more or less, as shown on a survey dated May 31, 1973, by Ralph P. Hines C.L.S., and described as follows:

Commencing at a point in the center line of a private road marked by an iron on margin, thence with the center line of said private road S. 53 degrees 33' E. 121.53 feet and S. 57 degrees 04' E. 62.45 feet to a point in the center line of said road marked by an iron on margin; thence S. 45 degrees 00' W. 505.91 feet to an iron; thence N. 54 degrees 56' W. 184.00 feet to an iron; thence N. 45 degrees 00' E. 506.53 feet to the point of beginning, and as more fully described in the aforesaid Deed of Trust.

TERMS OF SALE: The property will be sold “AS IS,” WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND AND SUBJECT TO conditions, restrictions, reservations, easements, rights of way, and all other matters of record taking priority over the Deed of Trust to be announced at the time of sale. A deposit of $7,000.00, or 10% of the sale price, whichever is lower, in cash or cashier's check payable to the SUBSTITUTE TRUSTEE will be required at the time of sale. The balance of the purchase price, with interest at the rate contained in the Deed of Trust Note from the date of sale to the date said funds are received in the office of the SUBSTITUTE TRUSTEE, will be due within fifteen (15) days of sale. In the event of default by the successful bidder, the entire deposit shall be forfeited and applied to the costs and expenses of sale and Trustee's fee. All other public charges or assessments, including real property taxes, water/sewer charges, ground rent, condo/HOA dues or assessments, whether incurred prior to or after the sale, and all other costs incident to settlement to be paid by the purchaser. In the event taxes, any other public charges or condo/HOA fees have been advanced, a credit will be due to the seller, to be adjusted from the date of sale at the time of settlement. Purchaser agrees to pay the Seller's attorneys at settlement, a fee of $295.00 for review of the settlement documents.

Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustees a memorandum or contract of the sale at the conclusion of bidding.

For Information Contact:

Rosenberg & Associates, LLC

(Attorney for Commonwealth Trustees, LLC)

7910 Woodmont Avenue,

Suite 750

Bethesda, Maryland 20814

301-907-8000

www.rosenberg-assoc.com

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