ALL THAT CERTAIN LOT OR PARCEL OF LAND WITH ALL IMPROVEMENTS THEREON, TOGETHER WITH ALL APPURTENANCES THEREUNTO APPERTAINING, LYING AND BEING SITUATE IN THE HAPPY CREEK MAGISTERIAL DISTRICT OF WARREN COUNTY, VIRGINIA, AND BEING KNOWN AND DESIGNATED AS LOT FIFTEEN (15), IN BLOCK A, AS SHOWN AND DESIGNATED ON THAT CERTAIN PLAT ENTITLED "HIGH KNOB SUBDIVISION, FIRST ADDITION TO BLOCK A, SECOND ADDITION TO BLOCK B, BLOCK G, BLOCK H", PREPARED BY WALTER M. DUNCAN, C.L.S., DATED MAY 6, 1960, AND OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF WARREN COUNTY, VIRGINIA, IN DEED BOOK 113, PAGE 44, AND BEING MORE PARTICULARLY DESCRIBED ON A PLAT AND SURVEY PREPARED BY DARRYL G. MERCHANT, L.L.S., DATED THE 10TH DAY OF APRIL, 1995, OF RECORD IN THE AFORESAID CLERK'S OFFICE, IN DEED BOOK 550, PAGE 771. THE IMPROVEMENTS THEREON BEING COMMONLY KNOWN AS 108 BRIDLE PATH ROAD, FRONT ROYAL, VIRGINIA 22630.

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.