Sale on Premises
1032 WILLOW BEND DRIVE
Pulaski Highway (US-40) to Sand Pebble Drive, Left on Beckon Drive,
Right on Lake Front Drive, Right on Willow Spring Drive
Harford County, MD 21040

MONDAY, MARCH 10, 2008
AT 3:00 P.M.

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        Under and by virtue of the power of sale contained in a certain Deed of Trust from Victoria Michelle Rumsey to the Trustee therein, dated July 28, 2006, and recorded among the Land Records of Harford County, in Liber 6904, Page 677, the holder of the indebtedness secured thereby having appointed Robert B. Greenwalt to act as Substitute Trustee, in place and stead of the aforementioned Trustee, 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 Trustee 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 Harford County, State of Maryland and being more fully described in the above-referenced Deed of Trust.

        The improvements are believed to comprise a two story brick and siding end-of-group townhome, believed to contain a living room, dining room and kitchen, on the first floor; 3 bedrooms and 2 baths, on the second floor; finished basement with family room, bedroom, half-bath, electric heat pump and CAC; lot size 36' x 80', more or less, fenced yard.

        The property will be sold subject to a prior Deed of Trust, dated June 27, 2001 in the original principal amount of $88,740.00.  The exact amount due thereon will be announced at time of sale.

        TERMS OF SALE:  A $5,000 deposit, payable by certified check or cashier's check, will be required of the purchaser at time and place of sale.  The deposit shall be increased to 10% of the purchase price within 24 hours at the Auctioneer's Office.  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 Harford County at the offices of the Substitute 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 Note executed in connection with the foreclosed Deed of Trust, from date of sale to date of settlement.  All adjustments as of date of sale.  Taxes 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 Trustee, 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 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 Substitute Trustee, the holder of the indebtedness or Auctioneers.  Recordation costs, transfer taxes and all other costs incident to settlement, including a $300 document review fee by the Seller's attorney, to be paid by the purchaser.  Time shall be of the essence for the purchaser.

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Robert B. Greenwalt, Substitute Trustee