In execution of a certain deed of trust dated April 05, 2005, in the original principal amount of $170,240.00 recorded in the Clerk's Office, Circuit Court for Buckingham County, Virginia, in Deed Book 314 Page 054, 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 at the front steps of the building housing the Circuit Court for Buckingham County, Route 60, Courthouse Square, Buckingham, Virginia, on April 20, 2012, at 11:46 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows:

ALL THAT CERTAIN LOT OR PARCEL OF LAND, WITH THE IMPROVEMENTS THEREON AND APPURTENANCES THERETO BELONGING, LYING AND BEING SITUATED IN THE SLATE RIVER DISTRICT OF BUCKINGHAM COUNTY, VIRGINIA, DESCRIBED AND DESIGNATED AS LOT NO. 10 OF FOREST RIDGE, AS SHOWN AND DESCRIBED ON THAT CERTAIN PLAT OF SURVEY PREPARED BY TRUELINE SURVEYING, INC., ENTITLED “PLAT SHOWING DIVISION OF TAX MAP PARCEL 16-62 & 17-2 KNOWN AS 'FOREST RIDGE' LOCATED ON STATE ROUTE 20 AND STATE ROUTE 720, SLATE RIVER DISTRICT, BUCKINGHAM COUNTY, VIRGINIA”, DATED MAY 10, 1999, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF BUCKINGHAM COUNTY, VIRGINIA IN PLAT CABINET

A. SLIDE 94. 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.bwwsales.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, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703) 548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com.

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