Cohen & Forman, LLC, Solicitors
334 St. Paul St. 21202

SUBSTITUTE TRUSTEES'
ON-SITE AUCTION SALES


12 - WEST BALTIMORE
SHELL TOWNHOMES


Sale On Premises
TUES., AUG. 29, 2006
At The Following Times

LOCATION MAP #1: 10:00 A.M. - 11:25 A.M.
LOCATION MAP #2: 11:40 A.M. - 1:10 P.M.


Photo of        AT 10:00 A.M. - 1122 POPLAR GROVE ST., 21216 - "Winchester", off 1100 Riggs Ave.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Charlie Cook, Jr. to Michael J. Shelton, Trustee, dated June 22, 1998, and recorded among the Land Records of Baltimore City, Maryland, in Liber PMB 7467, Page 075, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story covered porchfront brick townhome, believed to contain 6 rooms (3 bedrooms and bath). Lot size: 16'1" x 130'11", more or less. Subject to an annual $96 ground rent.

Photo of        AT 10:20 A.M. - 2673 FREDERICK AVE., 21223 - "Shipley Hill", off 400 Franklintown Rd.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Jeffrey V. Cesenaro to William C. Steneman, Trustee, dated September 6, 2000, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 764, Page 349, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that fee simple lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story brick townhome, believed to contain 6 rooms (3 bedrooms and bath). Lot size: 13'10" x 111'9", more or less.

Photo of        AT 10:40 A.M. - 1843 MCHENRY ST., 21223 - "Pratt/Monroe", off 300 S. Monroe St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Irene A. Kelly to William C. Steneman, Trustee, dated March 30, 2000, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 263, Page 266, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 3 story brick townhome, believed to contain 7 rooms (4 bedrooms and bath). Lot size: 11'6" x 90', more or less. Subject to an annual $37.50 ground rent.

Photo of        AT 10:55 A.M. - 1716 MCHENRY ST., 21223 - "Pratt/Monroe", off 300 S. Fulton Ave.: Under and by virtue of the power of sale contained in a certain Deed of Trust from George Jones, Jr. and Myrtle Jones to Patricia L. Zadareky, Trustee, dated January 18, 2000, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 62, Page 165, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 3 story brick townhome, believed to contain 7 rooms (4 bedrooms and bath). Lot size: 16' x 68', more or less. Subject to an annual $48 ground rent.

Photo of        AT 11:10 A.M. - 309 S. GILMOR ST. a/k/a 309 S. GILMORE ST., 21223 - "Pratt/Monroe", off 1600 McHenry St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from James Dignan, Jr. to Patrick J. Flanagan, Trustee, dated February 9, 1999, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 8253, Page 165, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 3 story brick townhome, believed to contain 7 rooms (4 bedrooms and bath). Lot size: 14' x 75', more or less. Subject to an annual $48 ground rent.

Photo of        AT 11:25 A.M. - 811 N. GILMOR STREET, 21217 - "Harlem Park", off 1538 W. Lanvale St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Joyce T. Lehew to John Garza, Trustee, dated September 29, 1998, and recorded among the Land Records of Baltimore City, Maryland, in Liber PMB 7753, Page 088, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 3 story brick townhome, believed to contain 7 rooms (4 bedrooms and bath). Lot size: 16'3" x 102', more or less. Subject to an annual $82 ground rent.

Photo of        AT 11:40 A.M. - 728 N. MONROE ST. i/r/t/a 728 N. MONROE AVENUE, 21217 - "Harlem Park", off 1900 W. Lanvale St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Earlito Frazier-Sinclair and Maritza Frazier-Sinclair A/R/T/A Earlito Frazer-Sinclair and Maritza Frazer-Sinclair to James R. Manion, III, Trustee, dated March 17, 2000, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 0343, Page 307, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story brick townhome, believed to contain 6 rooms (3 bedrooms and bath). Lot size: 14'3" x 75', more or less. Subject to an annual $96 ground rent.

Photo of        AT 11:55 A.M. - 2020 RAYNER AVE. i/r/t/a 2020 RAYNOR AVE., 21217 - "Payson", off 700 N. Payson St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Donchez Graham to Patrick J. Flanagan, Trustee, dated October 21, 1998, and recorded among the Land Records of Baltimore City, Maryland, in Liber PMB 7833, Page 250, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story townhome, believed to contain 6 rooms (3 bedrooms and bath). Lot size: 13'2" x 70', more or less. Subject to an annual $78 ground rent.

Photo of        AT 12:10 P.M. - 1370 N. STRICKER ST., 21217 - "Sandtown/Winchester", off 1500 Laurens St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Jeffrey Gerber to Robert W. Howard, Trustee, dated June 26, 1998, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 7980, Page 286, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story brick townhome, believed to contain 5 rooms (2 bedrooms and bath). Lot size: 12'6" x 93'6" , more or less. Subject to an annual $90 ground rent.

Photo of        AT 12:25 P.M. - 1831 ETTING ST., 21217 - "Druid Heights", off 518 Laurens St.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Arline Ramsey to T. J. Falgout, Trustee, dated June 27, 2000, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 0669, Page 493, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story brick townhome, believed to contain 5 rooms (2 bedrooms and bath). Lot size: 11' x 65', more or less. Subject to an annual $36 ground rent.

Photo of        AT 12:55 P.M. - 3448 REISTERSTOWN RD., 21215 - "Lower Park Heights", Off Druid Park Dr.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Michael K. McGurn to John Garza, Trustee, dated September 21, 1998, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 7757, Page 47, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that fee simple lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2-1/2 story covered porchfront brick townhome, believed to contain 7 rooms (4 bedrooms and bath). Lot size: 21'8" x 100', more or less.

Photo of        AT 1:10 P.M. - 2920 RIDGEWOOD RD., 21215 - "Lewin", off 4400 Reisterstown Rd., 1 block north of W. Cold Spring La.: Under and by virtue of the power of sale contained in a certain Deed of Trust from Jeffrey Gerber to Robert W. Howard, Trustee, dated June 26, 1998, and recorded among the Land Records of Baltimore City, Maryland, in Liber FMC 8296, Page 316, the holder of the indebtedness secured thereby having appointed Geoffrey L. Forman, David H. Cohen and W. Scott Tinney, IV, to act as Substitute Trustees, in place and stead of the aforementioned Trustees, by instrument duly executed, acknowledged and recorded among the Land Records aforesaid, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Substitute Trustees will sell at Public Auction, on the premises, the following:

       All that leasehold lot of ground and the improvements thereon, situate and lying in Baltimore City, State of Maryland and described as follows: 2 story covered porchfront brick townhome, believed to contain 6 rooms (3 bedrooms and bath). Lot size: 18' x 100', more or less. Subject to an annual $90 ground rent.

       TERMS OF SALE: A $2,000 deposit on each property, payable by certified check or cashier's check, will be required of the purchaser at time and place of sale. The deposit is to be increased to 10% of the purchase price within 24 hours at the office of the Auctioneers. The holder of the indebtedness, if a bidder at the sale, shall not be required to post a deposit. Balance to be paid in cash at settlement, which shall take place within ten (10) business days following final ratification of the sale by the Circuit Court for Baltimore City at the offices of the Substitute Trustees. If payment of the balance does not take place within the specified time, the deposit will be forfeited and the property may be resold at the risk and expense of the purchaser. Interest to be charged on the unpaid purchase money, at the rate stated in the foreclosed Deed of Trust Note, from date of sale to date of settlement. All adjustments as of date of sale. Taxes, ground rent (if any) and all other public charges and assessments payable on an annual basis, including sanitary and/or metropolitan district charges, if any, to be adjusted for the current year to date of sale and assumed thereafter by the purchaser. The property will be sold in "AS IS" condition, without express or implied warranty as to the nature and description of the improvements as contained herein; and subject to easements, agreements, restrictions or covenants of record affecting same, if any. Purchaser shall be responsible for obtaining physical possession of the property and assumes the risk of loss or damage to the property from the date of sale forward. The purchaser waives and releases the Substitute Trustees, the holder of the indebtedness, the Auctioneers, and their respective agents, successors and assigns from any and all claims the purchaser and/or its successors and assigns may now have or may have in the future relating to the condition of the property, including but not limited to the environmental condition thereof. If the Substitute Trustees are unable to convey good and marketable title, the purchaser's sole remedy in law or equity shall be limited to the refund of the deposit. Upon refund of the deposit this sale shall be null and void and of no effect, and the purchaser shall have no further claim against the Substitute Trustees, Noteholder or Auctioneer. Cost of all recordation and transfer taxes to be paid by the purchaser. Time shall be of the essence for the purchaser.

Geoffrey L. Forman, David H. Cohen,
& W. Scott Tinney, IV, Substitute Trustees