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

TRUSTEE'S SALE

PARK CIRCLE

2 STORY COVERED
PORCHFRONT TOWNHOME




Sale On Premises
2800 HILLDALE AVENUE
(Off 3500 Reisterstown Rd.)
Baltimore, MD 21215

THURSDAY, FEBRUARY 2, 2006
AT 11:00 A.M.


LOCATION MAP

BLOCK PLAT

       Under and by virtue of the power of sale contained in a certain Deed of Trust from Brenda Harris to Geoffrey L. Forman, Trustee, dated February 26, 1999, and recorded among the Land Records of Baltimore City, Maryland, in Liber 8252, Page 55, default having occurred under the terms thereof and at the request of the party secured thereby, the undersigned Trustee 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 being more fully described in the above referenced Deed of Trust.

       Improved by a 2 story covered porchfront townhome containing living room, dining room, and kitchen on the 1st floor; 4 bedrooms and bath on the 2nd floor; attic. Basement. Gas hot water heat. 21' x 92'6", more or less. Subject to an annual $120.00 ground rent. The property needs renovation.

       TERMS OF SALE: A deposit by certified check or cashier's check of $3,000 will be required of the purchaser at time and place of sale. Deposit to be increased to 10% of the purchase price within 24 hours at the offices of the Auctioneer. 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 at the offices of the Trustee. If payment of the balance does not take place within the specified time, the deposit shall 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 Deed of Trust Note from date of sale to date of settlement. All adjustments as of date of sale. Taxes, ground rent, 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. If the Trustee is 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 Trustee, Noteholder, or Auctioneer. Cost of all documentary stamps and transfer taxes to be paid by the purchaser. Time shall be of the essence for the purchaser. Risk of loss on the purchaser from date of sale.

Geoffrey L. Forman, Trustee