TERMS:



1. The undersigned intends to conduct the Trustee’s Sale by licensed auctioneer, and

registration for bidders will begin at 11:00 a.m. on the date of the sale. Please see

http://www.joerpyleauctions.com/ for additional information.

2. A 10% buyer’s premium will be added to the highest bid achieved at the auction for the

Real Property. The high bidder shall pay the buyer’s premium plus an additional 10% of its

bid on the day of the sale (the “Good Faith Deposit”), with the balance to be paid in cash

or check at closing within 14 days after the date of sale, or as the undersigned may

otherwise agree.

3. The Trustee’s Sale will be open to online bidders in accordance with the auctioneer’s

policies.

4. Subject to any and all reservations, exceptions, conditions, grants of rights of way and

easements made by the grantor and its predecessors in title prior to the granting of the deed

of trust being foreclosed upon.

5. The undersigned reserves the right to adjourn the sale from day to day and time to time

upon oral proclamation made at the time and place of sale set forth herein or at such later

time and place to which the sale has theretofore been adjourned, and further reserves the

right to alter the terms of sale at any such continued sale.

6. The undersigned reserves the right to reject any and all bids.

7. Sale is subject to unpaid ad valorem taxes and special assessments, if any.

8. The premises described hereinabove, including any and all improvements thereto, are sold

“AS IS-WHERE IS” with no warranty express or implied.

9. The owner and holder of the indebtedness secured by the deed of trust described

hereinabove reserves the right to bid at this sale.

10. The successful buyer at the sale will be responsible for paying any and all transfer stamps,

excise fees and recording costs with respect to the trustee’s deed.

11. Neither the owner and holder of the indebtedness secured by the underlying deed of trust

nor the Trustee, nor anyone acting by or on behalf of the Trustee shall have any duty to

cause any existing tenant or person or persons occupying the subject property to vacate

said property.

12. Sale is subject to the provisions of W.Va. Code §38-1-16 regarding any existing residential

tenancy at the subject premises.

13. Any personal belongings remaining in the subject premises after sale shall be deemed

abandoned and may thereafter be disposed of at the successful bidder’s or bidders’

discretion. Any person or entity claiming ownership of or any interest in any such

property should contact the undersigned prior to sale about any such claim.

14. The successful bidder at the sale and the Trustee shall execute a Memorandum of Sale at

the conclusion of the sale, and the terms of the Memorandum shall control.

15. In the event that the successful bidder at the sale fails or refuses to consummate his, her, or

its purchase, then the Trustee shall have the option to consummate sale with the next

highest bidder at the sale.

16. Any additional terms announced prior to the sale shall control.



Andrew C. Woofter, Substitute Trustee