Power Issue Top 75 Hampton Roads May 2012 Inside Business by Inside Business

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Take the IB Poll Does Hampton Roads leadership reflect the diversity of the population? See results on Page 3.

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More inside Page 13 The top up-and-comers Page 25 Emeritus leaders

2 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

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Our contention is that the sign is a political protest and my First Amendment rights are being violated.” Bob Wilson, co-owner of Central Radio, Page 36

The Hampton Roads Business Journal VOLUME 18, NO. 19

» CONTENTS Data

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EDITORIAL

Ed Power publisher ed.power@insidebiz.com, 757.222.5354

Carol Lichti editor carol.lichti@insidebiz.com, 757.222.5349 Mary Flachsenhaar assistant editor mary.flachsenhaar@insidebiz.com 757.222.5350 Philip Newswanger senior staff writer philip.newswanger@insidebiz.com 757.222.5355 Bill Cresenzo staff writer bill.cresenzo@insidebiz.com 757.222.5352 Danielle Walker staff writer danielle.walker@insidebiz.com, 757.222.5351 Lakeshia Artis editorial assistant lakeshia.artis@insidebiz.com, 757.222.5356

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ADVERTISING Bill Blake director of business development bill.blake@insidebiz.com, 757.222.3165 John P. Kinsley senior account executive john.kinsley@insidebiz.com, 757.222.5387 Robin Simmons senior account executive robin.simmons@insidebiz.com, 757.222.5345 Rawles Magee legals sales rawles.magee@insidebiz.com phone: 757.222.5346; fax: 757.222.5362 Olga Currie marketing & special projects manager olga.currie@insidebiz.com, 757.222.5394

ADMINISTRATION Debbi Wilson, business manager debbi.wilson@insidebiz.com, 757.222.5341

Inside Business (USPS 017-734) is published weekly, by Inside Business Inc., 150 W. Brambleton Ave., Norfolk, VA 23510. Phone: (757) 222-5353; fax: (757) 222-5359. Periodicals postage rates paid at Norfolk, VA. Postmaster, send address changes to INSIDE BUSINESS, 150 W. Brambleton Ave., Norfolk, VA 23510. Subscriptions To subscribe, call (757) 222-5341 or log on to InsideBiz.com.

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Distribution Inside Business is sold in boxes at the following locations: In Chesapeake, 1545 Crossways Blvd., 1230 Progressive Drive, 800 Greenbrier Circle and 300 Cedar Road. In Hampton, 101 W. Queens Way. In Newport News, 11745 Jefferson Ave. and Kings Way, and 2500 Washington Ave. In Norfolk, Main Street and Commercial Place, 3 Commercial Place, Atlantic and Main Street, Monticello Avenue and Market Street, 219 Granby St., Ellsmere Avenue and Robin Hood Road, 1318 Colley Ave. In Portsmouth, 500 Crawford St., 300 High St., 513 High St. and 431 Crawford St. In Suffolk, 441 Market St., 157 N. Main St. and 3881 Bridge Road. In Virginia Beach, 744 Laskin Road, 2110 Great Neck S/C, 2428 Princess Anne Road, 222 Central Park Ave., 128 Pembroke 4, 4460 Corporation Lane and 131 Business Park Drive. In Williamsburg, 425 N. Boundary St. and 201 Monticello Ave. Letters to the editor Send letters to 150 W. Brambleton Ave., Norfolk, VA 23510 or inside.business@insidebiz.com. We reserve the right to edit for brevity and clarity. Copyright Inside Business. All rights reserved. Reproduction or use without permission of editorial or graphic content in any manner is prohibited.

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MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 3

Currents of power in Hampton Roads continue to ebb and flow

IB BIZ POLL

» BY ED POWER | PUBLISHER

AST YEAR, when I introduced the first-ever Inside Business “Power List,” I was quick to note in my publisher’s letter that the list wasn’t named after me. For 2012, that’s still the case. But I will say the past 12 months or so brought the greatest number of comments I’ve ever received about my last name. Waitresses, hotel desk clerks, retail folks of all stripe – more and more, people are moved to remark about the name “Power,” virtually always with a positive spin. So I can say at least the name “Power” does project some sort of power, if only to garner a smile or expression of approval. And it may say something about the state of how power is perceived in American culture these days. People seem more and more attuned to it than ever. One other thing struck me in the past 12 months – the number of people who have commented on the Inside Business “Power List.” Many people were intrigued by our rankings, agreed and disagreed with them, poked fun at them, and, of course, wondered how they might get on the list. So the list itself quickly became imbued with a kind of power, and may even confer a bit of power, or at least the perception of greater power, on those whose names it carries. While all these dynamics were interesting to me, the thing I

FILE PHOTO

Publisher Ed Power says he hears remarks about his last name all the time, and in the last year he’s also heard a lot about the “Power List.”

found most striking this year, as we began to sift through last year’s list of more than 75 people, adding and deducting names, going through at least half a dozen revisions, was the striking ebb and flow of power that caused the list to change. Power is indeed a fluid thing. Money can reinforce it, but once one gets beyond money, the equation of power becomes a highly complex one like one of those Einsteinian constructs that fills a math prodigy’s chalkboard.

The numbers can be changed by promotions or demotions, retirements, shifting political fortunes, boards of trustees’ relationships, club affiliations, and on and on. But it seems no one thing guarantees power to an individual, and in fact, to some degree, people achieve power because it is conferred upon them by others. Take the case of Maurice Jones, the former president and publisher of The Virginian-Pilot. Jones just stepped down from his role at Inside Business’ parent company to accept an appointment from President Barack Obama to be deputy secretary of the U.S. Department of Housing and Urban Development. In addition to his past four years overseeing The Pilot’s editorial page and a company of more than 800 employees, Jones had joined numerous boards in Hampton Roads, among them Children’s Hospital of The King’s Daughters, Eastern Virginia Medical School, Physicians for Peace, the Virginia Arts Festival and the Crispus Attucks Cultural Center. Jones was also chairman of the Hampton Roads Chamber of Commerce until he stepped down to take on his new job in Washington. He also was active in his church, and somehow managed to help coach his daughter’s basketball team.

Issues and Answers Network Inc. in Virginia Beach surveyed 200 people in Hampton Roads by phone April 27 and 28 on the following question:

Do you think the political, cultural and business leadership in Hampton Roads reflects the diversity of the region? Yes

47.5%

33.0%

Not sure

19.5%

Source: Issues and Answers Network Inc.

» SEE POWER, PAGE 5

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THE VIRGINIAN-PILOT ARCHIVES

1. Gov. Bob McDonnell G

OV. BOB MCDONNELL’S influence, as well as his popularity, has ebbed and flowed over the past year.

But he has stuck to his conservative Republican principles, to the delight of his base, while angering Democrats and the left for some of his more controversial legislation. Despite the criticism, Virginia’s 71st governor takes the top slot on this year’s Power List after ranking fourth last year. Here’s why. McDonnell has been mentioned as a possible vice presidential running mate with presidential contender Mitt Romney, even though lately his name has not surfaced in the media. McDonnell, after intense public pressure, has rolled back the collection of tolls until 2014 when the construction of the second tunnel across the Elizabeth River will begin. He has championed offshore drilling at a time when gas pric-

es have hit another historic high, a position that plays well with oil and gas companies, which are generous campaign donors. But he angered Democrats, especially women, over abortion legislation he approved this year, requiring women to have an ultrasound before they have an abortion. The issue reached a crescendo in the final days of the General Assembly session this year and overshadowed other contentious legislation he supported. If nothing else, the attorney and Regent University law school graduate captured national headlines – which seldom happens to Virginia governors. McDonnell touts his businessfirst strategy and boasts about the number of jobs he has created since he took office in 2010. Only a few months in office, McDonnell created a commission on economic development to recommend ways to boost the state’s

economy. Many of the commission’s recommendations became law. But one of his major legislative successes was the passage of a $4 billion transportation package for 900 projects over the next three years. The new legislation created the Virginia Transportation Infrastructure Bank, which will be capitalized by at least $282.7 million to provide grants to local governmental entities and loans to private entities that have entered into public-private transportation act agreements. Virginia’s economy would expand by $13.1 billion and support 105,642 additional jobs over six years if the governor’s transportation plan is fully implemented, according to research conducted by Chmura Economics and Analytics, a national consulting firm based in Richmond. Under his leadership, the state’s unemployment fell from more

than 7 percent to 5.6 percent, which he points to as a sign that his policies have attracted more businesses, jobs and investment to Virginia. McDonnell can also take credit for Virginia being named by CNBC as “The Best State for Business” based on his economic-development track record. McDonnell, who serves as chairman of the Republican Governors Association, has strong ties to Hampton Roads. After graduating from law school in 1989 he served as a Virginia Beach prosecutor. In 1991, McDonnell was elected to the Virginia House of Delegates and served 14 years representing Virginia Beach. He was elected as the 44th attorney general of Virginia in 2005. McDonnell was raised in Fairfax County. He graduated from the University of Notre Dame, Boston University and Regent University.

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 5

POWER

McDonnell has seen a quick rise to power » CONTINUED FROM PAGE 3

Definitely a man with many connections reaching into some of our region’s most visible and vital institutions. Last year, Jones ranked 12th on our Power List, and this year we have him in the eighth spot because of the amazing network of influence he managed to construct during his time in our community. When we learned he was leaving for Washington, D.C., we considered removing him from the list. But ultimately we decided to leave his name in honor of the many contributions he made while here. Presumably, Jones’ ability to influence an agenda – his “power” – will now shift to a national level as he works with the Obama administration. But next year, his name won’t be found on our list. The tide of Jones’ regional influence will have moved to another, newer shore. Another prominent example of a change in this year’s list is with spot No. 1. Last year, Joshua P. Darden’s name occupied that slot; this year, it is Gov. Bob McDonnell. Josh Darden has unquestionably exerted one of the most profound forces of leadership in the history of Hampton Roads. His philanthropy and civic engagement serve as a model to any community in America. Darden recently capped a career of philanthropic stewardship with his chairmanship of a nearly $30 million local fundraising campaign for Norfolk’s Kroc Community Center for which a grant of $58 million was given by the estate of Ray and Joan Kroc, the McDonald’s food chain founders. At the ground-breaking for the Kroc Center that took place earlier this year, Darden let it be known that his days of chairing major capital campaigns have come to a close. Having accomplished more community-building milestones in his life than those of five men, Darden has more than earned his passing of the baton to a younger generation. So Darden’s name now resides in a place of honor on our “Emeritus” list. Meanwhile, McDonnell, whose family home is in Virginia Beach, has established himself as a ris-

The currents of power in Hampton Roads continue to ebb and flow freely as the elders take a step into the backdrop and the young turks find their own places on the stage of leadership and influence.

ing star on the national political scene, and in the Republican Party. Through his sure-handed grip on Virginia’s economic fortunes, his regular appearances on CNBC’s business cable network and his frequent mention as a possible candidate for vice president or even president, McDonnell’s story is a classic case of a swift rise to greater power. And he seems to have accomplished it in a way that sits well with both Republicans and many Democrats. So the currents of power in Hampton Roads continue to ebb and flow freely as the elders take a step into the backdrop and the young turks find their own places on the stage of leadership and influence. We at Inside Business put a lot of time and careful consideration into gauging these changes and we hope you find our list worthy of study for what it says about the myriad ways that people are helping build our community in Hampton Roads. No doubt this year’s list will, like last year’s, create some debate in the business community, some heartburn in certain executive suites, and some private satisfaction for those who saw their fortunes rise. As Jones prepared to leave our company a few weeks ago, he joked that he would make sure that this year I’d receive all the phone calls he took last year when the “Power List” made its debut. So maybe there is at least some logic in my involvement with the “Power List.” When you call, no need to wonder whom to ask for. Just mention the word “power” and you’ll be connected to – well, IB you get it.

6 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

2. Vince Mastracco NVince Mastracco, an attorney, is OT MUCH HAS CHANGED since last year.

still one of the leading power brokers in Hampton Roads, retaining the No. 2 position. He is firmly entrenched in the power structure of the region and no list of power brokers could exclude him. Everyone knows him. But no one knows him. Mastracco, a partner in the law firm of Kaufman & Canoles, is a deal-maker. But he shuns the podium. He shuns the television cameras and publicity. He sits with the audience instead. He’s elusive, but you can feel his pervasive and personal influence in many big deals in the region. People listen when he speaks or gives advice. Mastracco is a philanthropist and an art collector. He is a major supporter of the Chrysler Museum and the YMCA of South Hampton Roads in Norfolk. He serves on a number of boards,

including Virginia Wesleyan College, the Hampton Roads Community Foundation, the Hampton Roads Partnership, University of Virginia and the Virginia Foundation of Independent Colleges. In 2009, he received Norfolk’s First Citizen Distinguished Service Award, which was given by the Cosmopolitan Club of Norfolk. In accepting his award, he was quoted, saying, “If you’re going to live in a community, you have an obligation – not in a burdensome way – to make it safe and good and a comfortable place to raise a family.” He is also a board member of SunTrust Bank and chairman of the Finance and Investment Committee of Eastern Virginia Medical School. Mastracco received his undergraduate degree from the University of Virginia in 1961 and holds law degrees from the University of Richmond and New York University. He and his wife, Suzanne, have been married for 43 years. Suzanne was his senior prom date at Granby High School in 1957. THE VIRGINIAN-PILOT ARCHIVES

3. John O. ‘Dubby’ Wynne FTER SPENDING HIS career building Landmark CommuA nications, a company he and oth-

ers turned into a media giant, John O. “Dubby” Wynne is tackling the region’s economy with its disparate economic, social and political personae. Wynne, the former CEO of Landmark Communications, now known as Landmark Media Enterprises LLC, was chosen as the chairman of the board of directors of the Hampton Roads Community Foundation and will assume the post in June. Wynne and his board, along with the new president and CEO, Deb DiCroce, No. 21 on this list, will tackle the region’s problems and try to craft a game plan for making the region more competitive. In preparation, foundation employees interviewed 70 leaders in business, higher education and the military to gauge regional problems from their perspective. One of the criticisms: too many regional groups with many of the same focuses without a coordinated strategy. This is a new direction for the foundation, which has always fo-

cused on philanthropic issues. “Business and business leaders need to understand it is in their best interest to engage at a deeper level,” Wynne said in a VirginianPilot article. Wynne, known for his intense, leader-driven personal style, was among a group of Landmark executives who built a company from a collection of small newspapers into the owner of The Weather Channel – which the company sold for $3.5 billion in 2008 – and a chain of newspapers and TV stations. A Norfolk native, he retired in 2001, just before the national newspaper business began to see profit margins dwindle. Wynne, a Princeton graduate, achieved his goals, no matter what. He has served on the board of visitors of Princeton, as well as the University of Virginia. He has served as one of former Gov. Mark Warner’s advisers. And he is active in the philanthropic community, to which he brings power, influence and a willingness to get the job done – just as he did at Landmark. He was No. 3 on last year’s Power List too.

DAN ADDISON PHOTO

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4. Frank Batten Jr. RANK BATTEN JR. is rarely seen but his presence is certainly felt not only in F Norfolk but in other Hampton Roads cities.

If you’re lucky, you might catch him having a modest lunch in a modest restaurant alone, papers and files within reach, somewhere in downtown Norfolk. Batten’s successes are legendary. His investment in Red Hat, a software company, is usually the one everyone remembers and points to as the product of Batten’s talent and genius. Otherwise, Batten, who was No. 9 on last year’s list, remains obscure, except in name, and seems to feel more comfortable far from the maddening crowd. Batten has seen the newspaper business from the bottom to the top. He sold ads for the Roanoke Times. He pounded a beat as an AP reporter. Eventually, he was named president and publisher of his family’s flagship newspaper, The Virginian-Pilot. He managed this position for four years before he was named CEO of Landmark Communications, now Landmark Media Enterprises.

Landmark owns The Pilot and Inside Business, as well as Dominion Enterprises, an information and marketing services company. The Batten portfolio also includes dozens of small newspapers and TV stations across the country. While his father used to stroll through The Pilot hallways greeting everyone, Batten Jr. has maintained a distance and he is known for his privacy. The father was known as a newspaperman. His son is the tech guy. In 2008, Landmark’s board decided to sell the company, which resulted in the $3.5 billion sale of The Weather Channel. Its other assets, such as The Pilot, have not been sold yet, a sign that investors are still leery to buy a mass market newspaper. One of the wealthiest people in the region, Batten is a generous philanthropist. He and his wife, Aimee, oversee their own private foundation, which gives much of its money to religious causes, including their church and James Dobson’s Focus on the Family, as well as to the multi-denominational Beckett Fund for Religious Liberty. VIRGINIAN-PILOT FILE PHOTO

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5. Charles ‘Wick’ Moorman ONGRATULATIONS, Wick CYouMoorman. presided over the best year

Norfolk Southern Corp. ever reported, with an annual profit of $1.89 billion, up 28 percent from 2010 and 85 percent from 2009. You have presided over a $22 billion corporation whose roots are deep in the 19th century, and yet this relic of the past has survived the onslaught of technology and regulations. You’ve also maintained your power position of No. 5 in 2011. For his efforts, Moorman, a licensed locomotive engineer, was paid total compensation of $13 million, up from $11 million in the previous year. Who could ever have imagined that a railroad would be seen as a green company and one whose carbon footprint was much less than that of its closest competitor, trucks? But railroads are here to stay, and so is Norfolk Southern, whose corporate home is located in downtown Norfolk.

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Consider this irony – Moorman, chairman, CEO and president, nominated to the board of directors at Chevron Corp. Shareholders will decide if he should sit on the board at the company’s annual meeting May 30. Nothing seems insurmountable for Moorman, who was born in Hattiesburg, Miss., in 1953, and is a

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graduate of Georgia Tech and Harvard Business School. His next challenge is finding ways for three cities to share services. Moorman joins leaders of other Fortune 500 companies to explore how the region could benefit from sharing services. The Hampton Roads Partnership is organizing the pilot Hampton Roads Shared Services Project with Management Partners, a Cincinnati, Ohio-based management-consulting firm that specializes in helping local government leaders. Top executives of Norfolk Southern, Amerigroup, Dollar Tree, Huntington-Ingalls and Smithfield Foods will partner with officials from Chesapeake, Virginia Beach and Norfolk. “The ability of business leaders in the region to work successfully with government leaders offers a particular opportunity to take advantage of shared services and reduce the cost of local government,” said Moorman, the group’s chairman, in a press release announcing

the partnership. Moorman, an avid cyclist, may ride more than his usual 30 miles a day to relieve the stress of working with three independent localities. He started at Southern Railway before its merger with Norfolk & Western Railroad to form Norfolk Southern Corp. He grappled with the integration of Conrail in the 1990s when the former publicly funded rail company was split by NS and CSX. Moorman jokes that the company promoted the guy – him – who once managed the company’s failed telecom venture known as T-Cubed. He has been chairman of Norfolk Southern Railway Co. since Feb. 1, 2006, chief executive officer since Nov. 1, 2005, and also its president since Oct. 1, 2004. As a kid, Moorman loved trains. He still likes to tell the story that he likes trains because his mother dropped him on his head and addled his brain. He admits the story isn’t true, but he still likes to tell it.

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6. Will Sessoms FTER SERVING on Virginia Beach City Council for 14 years, Will Sessoms took a A five-year break before running for the mayor’s

seat in 2008. When he was elected, he promised that he would work to bring light rail to Virginia Beach. Since then, The Tide has started rolling in Norfolk, and Sessoms increased his efforts earlier this year, when he called for a referendum to allow Virginia Beach residents to vote on the issue. He got his way. And he’s moved up from No. 11 on the Power List. Voters will now answer the question, “Should the City Council adopt an ordinance approving the use of all reasonable efforts to support the financing and development of The Tide light rail into Virginia Beach?” When he’s not running the city, Sessoms is the CEO and president of the Virginia Beach Towne Financial Services Group, a division of TowneBank, one of the most successful community banks in Virginia. He’s also the chairman of the Hampton Roads Transportation Planning Organization, the Hampton Roads Military & Federal Facilities Alliance and the Oceana Land Use Conformity Committee. Sessoms is up for re-election in November, but so far, no one has stepped forward to challenge him, so it looks as if he’ll remain in power for at least another term. THE VIRGINIAN-PILOT ARCHIVES

7. Paul Fraim IKE HIS VIRGINIA BEACH counterpart, Paul Fraim began his political career on L the city council in 1986.

In 1994, he was appointed mayor and won the seat in 2006, when Norfolk began having mayoral elections. This year, Fraim now ranks below his Virginia Beach counterpart, but higher on the list. Last year, he was No. 10. As the mayor of what many consider the business, political and cultural center of Hampton Roads, Fraim, along with members of the city council, oversees a budget of more than $1 billion. The past year was one of highs and some lows for the mayor. Last year no one was sure if light rail would be a failure or triumph for the mayor. A year later, the Tide has broken ridership projections and there is a movement to extend it to Virginia Beach. The mayor has also overseen the progress that has been made to revive the Waterside Festival Marketplace. The lows include the death of a Norfolk Police officer during training and the ongoing saga of the no-show Community Services Board employee who collected a paycheck for 12 years without working. He also dealt with the early retirement of City Manager Regina Williams and, along with the council, the hiring of her replacement Marcus Jones. THE VIRGINIAN-PILOT ARCHIVES

MONDAY, MAY 7, 2012 Âť INSIDE BUSINESS Âť 13

Up-and-coming people to watch TONY ATWATER PH.D., president of Norfolk State University LAWRENCE A. BERNERT III CFA, principal and portfolio manager at Wilbanks, Atwater Smith & Thomas Asset Management LLC in Norfolk JOHN F. BIAGAS, president and CEO of Bay Electric Co. in Newport News ALONZO C. BRANDON, vice president of university Biagas advancement at Old Dominion University TANYA BULLOCK and WANDA COOPER, lawyers at Bullock & Cooper in Virginia Beach TOM BARTON III, president of Beach Ford Virginia Beach, and BOB BARTON, president of Beach Ford Suffolk JAMES M. BOYD, vice chair of the Virginia Port Authority Board of Commissioners and president of the law firm Boyd & Boyd PC JAMES A. â&#x20AC;&#x153;JIMMYâ&#x20AC;? GRAY JR., Hampton assistant city manager and president of 200+ Men Inc. WILLIAM E. HARRELL, president and CEO of Hampton Roads Transit and former city manager of Chesapeake Harrell

Hillier

LUKE HILLIER, CEO of ADS Inc. in Virginia Beach ALAN KRASNOFF, mayor of Chesapeake and chiropractor at Krasnoff Chiropactric Center in Chesapeake

DAVID MELE, publisher of The Virginian-Pilot and president of Pilot

Media Cos.

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W. CRAIG REILLY, president of Norfolk and Virginia Beach for Monarch Bank

KENNY WRIGHT, mayor of Portsmouth and president and CEO of Wright Engineering

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14 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

8. Maurice Jones AURICE JONES is now working inside the Beltway as the M deputy secretary of the U.S. De-

partment of Housing and Urban Development, shaking up the bureaucrats with notions on how to improve the bottom line and helping Americans with their housing needs during one of the worst housing crises this country has ever faced. He might even be posting photos of himself juggling a basketball and asking for suggestions on how to improve the $40 billion-a-year organization, as he did during his seven-year tenure at The Virginian-Pilot Media Cos. In 2005, he was named vice president and general manager of The Virginian-Pilot newspaper and in 2008 he was named president of Pilot Media and publisher of the newspaper. He was hailed as the first black publisher of a large daily newspaper in the country and also the first black publisher in

parent company Landmark’s history, although at the time of his appointment he hoped that he would be seen as the man who could do the job and not just as the first black publisher. While he was here, Jones, who was No. 12 on last year’s list, made an impression on the community. He sat on a dozen boards of philanthropic and business organizations, such as Eastern Virginia Medical School, Physicians for Peace and the Hampton Roads Chamber of Commerce. Jones left the newspaper on a much better footing for the future, although he cautioned that the media, in order to survive, must continue to diversify its revenues. But Jones made difficult decisions, many of which weren’t popular, such as laying off employees. He admitted before he left that his most difficult and heartbreaking decision had been the elimination of jobs. HARRY GERWIEN

9. Gary McCollum P FROM NO. 14 last year, Gary McCollum lands at No. 9 on our U list, having steered Cox Communi-

cations Virginia through some major changes in recent years. McCollum, the senior vice president and general manager for Cox Communications’ Virginia system, handles the day-to-day operations of the company’s Hampton Roads, Roanoke, Fairfax County and Fredericksburg operations, which includes more than 2,300 employees serving more than 700,000 households. Over the past 16 months, Cox Virginia has opened several new Cox Solutions retail stores and created the Cox Charities program, which began in Hampton Roads, and has awarded grants to 19 local organizations and an additional 13 throughout Virginia. “In this age of rapidly advancing technology, it’s a tremendously exciting time to be in the telecommunications business,” McCollum said. Having grown up in the projects of Richmond, McCollum is an alumnus of the Boys & Girls Clubs in Richmond, and is still heavily involved in the organization. “I’m proud of the tremendous support that our company provides to the Boys & Girls Clubs here in Virginia and nationwide,

including technology grants to help give children in need access to computers and the Internet,” McCollum said. Prior to joining Cox in 1989 as a manager trainee in Connecticut, McCollum served eight years on active duty as a military intelligence officer for the U.S. Army and is currently a major in the U.S. Army Reserves. During his activeduty military career, he served with the elite U.S. Army Rangers. McCollum is also a licensed Christian minister. He is a member or serves on the boards of the Virginia Chamber of Commerce; Hampton Roads Chamber of Commerce; Hampton Roads Partnership; Hampton Roads Economic Development Alliance; Boys & Girls Clubs of the Virginia Peninsula; Smart Beginnings; the Virginia Cable Telecommunications Association; and the ACCESS College Foundation. He is rector of the board of visitors of Norfolk State University. McCollum was the first member of his family to graduate from college, earning a bachelor’s degree in Russian studies and political science from James Madison University. He also earned an MBA at the University of Connecticut, with a concentration in telecommunications.

K ATHY KEENEY

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 15

10. Ramon W. Breeden Jr. AMON W. BREEDEN JR. is a driven RHeman. was driven to start his own business,

The Breeden Cos., out of the trunk of his Pontiac convertible 45 years ago. He was driven to build a portfolio of apartment communities, homes and shopping centers – now in two states, Virginia and North Carolina, including the Hampton Roads, Richmond and Fayetteville, N.C., regions. He is driven to support education at his alma mater, the University of Virginia, and at Virginia Commonwealth University, the Virginia Beach Education Foundation, Old Dominion University and Norfolk Academy. He supports the arts, animal welfare and other philanthropic pursuits, and has been seen chatting casually with Mayor Will Sessoms at an event. Self-made and obsessed with excellence, Breeden’s philosophy is that every project is a viable one. The words “no” or “can’t be done” are not in his vocabulary. He challenges his employees to make things happen and if they seem untenable at first, he challenges them to look for the potential in a

project and to think outside the box. Nothing is outlandish, everything is possible, and everyone and everything can do better. These are the tenets of his company. This ambition and innovation has proved successful, since the company tripled its revenues in seven years. Over the past four decades, The Breeden Cos. has developed, built and managed 6,000 apartments, 2 million square feet of commercial shopping center and office space, and 1,700 residential homes. Yet Breeden, who’s on the Power List for the first time, forges ahead. Another 1,140 apartments and 60,000 square feet of shopping center are under construction while 800 apartments are on the drawing board. Born and raised in Richmond, Breeden’s father was a factory superintendent and his mother was a homemaker. He graduated from John C. Marshall High School. He put himself through U.Va., working odd jobs for tuition, lodging and board. After college, Breeden taught math for two years in Richmond and did graduate work at the University of Richmond. FILE PHOTO

11. Helen Dragas W

HEN HELEN DRAGAS isn’t knee-deep in one of her company’s portfolios of residential developments, she may be herding three of her own adolescents to school or dealing with issues as rector of the University of Virginia Board of Visitors. Dragas is president of The Dragas Cos., which her father, George, began more than 40 years ago, and which has been a fixture on the regional landscape in commercial and residential real estate. Dragas was named the first female rector of the mostly male board of visitors of the University of Virginia last July. She joined the first female and the eighth president of the university, Teresa A. Sullivan, who replaced John T. Casteen III after a 20-year term. Dragas’ two-year term ends in 2013. In her role, she sets the future course of a university that enjoys a reputation for quality and excellence envied by many other public universities. An alumna of the university, Dragas graduated with a double major in economics and foreign affairs in 1984. After working for the family firm for two years, she attended the Colgate Darden School of Business at the university and graduated in

THE VIRGINIAN-PILOT ARCHIVES

1988 with an MBA. She served on the State Council for Higher Education in Virginia and the Commonwealth Transportation Board. Dragas, who moved up on the list from No. 22 last year, is now an in-

dependent director of energy conglomerate Dominion Resources Inc. The Dragas Cos., founded by the son of Greek immigrants, is known as one of the country’s top construction firms and one of the top home-

selling real estate firms. In addition to development and construction, the company now runs a property management division, a real estate brokerage firm and a mortgage lending arm.

16 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

12. Alan Witt LAN WITT, co-founder and CEO of regional accounting A firm Witt Mares – one of the few

left here, isn’t content to sit in his office and crunch numbers. He’s in the community, directing, organizing and leading. A graduate of Christopher Newport University with a degree in business administration with a concentration in accounting, Witt is a humanitarian and supporter of education and health care for the community. He has an impressive and influential resume, from his profes-

FILE PHOTO

sional affiliations and community work to the awards and recognition he has received over the years. So Witt joins the elite league of the top 25 power brokers. Last year he was in the lower group of 50. He has been rector of the board of visitors of his alma mater, sat on Newport News City Council for two years and is former chairman of the Newport News Educational Foundation, among many other community service affiliations. Now he is chairman of Riverside Health System, on the board of trustees of the Virginia Foundation for Independent Colleges and president of the Greater Peninsula NOW, which is an affiliate of the Newport News Educational Foundation. When he’s not guiding a hospital, a university or the economy of Newport News, he’s receiving awards and recognition for his service apart from and beyond his duties and responsibilities at his firm, which also consults with businesses and nonprofit organizations. He received the Peninsula Humanitarian award from the Virginia Center for Inclusive Communities in 2010. He was awarded the 1999 Distinguished Community Service Award from the Rotary Club of Oyster Point. And in 1995, the Daily Press named Witt Citizen of the Year.

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 17

13. Scott Rigell

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is known as Congress, and might stay there, if voters in the 2nd District feel he’s done a good job. Rigell, who grew up in Titusville, Fla., wants to keep his seat in the House of Representatives, which he won in a contest with incumbent Glenn Nye in the November 2010 election, and is running for a second term. A graduate of Mercer University, he represents voters on the Eastern Shore, in Virginia Beach and parts of Norfolk and Hamp-

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ton. Last year he was on the Up and Coming section of the Power List. Rigell, who has an MBA from Regent University, has kept a low profile and stuck to issues he knows – the military, fiscal conservatism and business growth. He hasn’t strayed into controversial cultural or social issues. Nor has he championed causes that might alienate voters or his congressional brethren. Rigell achieved a modicum of celebrity when he was invited to meet with financier Warren Buffett in Omaha to discuss a bipartisan approach to congressional reform and debt reduction. After the meeting, Bloomberg TV conducted a live interview with Rigell and Buffett about their plans to work together. Buffett invited Rigell after learning that Rigell had voluntarily been contributing 15 percent of his congressional salary toward the national debt. Rigell and Buffett discussed the best ways to close the gap between U.S. tax revenue and expenditures. They agreed that it would take bipartisan leadership in Congress to accomplish this goal. Rigell is the founder and chairman of Freedom Automotive in Virginia Beach. He and his wife, Teri, own automobile dealerships in Virginia Beach, Norfolk and Chesapeake, employing more than 240 people.

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the universityâ&#x20AC;&#x2122;s six colleges â&#x20AC;&#x201C; a responsibility that means overseeing a $526 million operating budget and more than 2,500 faculty and staff at the school. Soon after he stepped into his role as president in 2008, the school drafted a strategic plan for 2009-2014, which included goals to grow and enhance its research arm, residential campus and partnerships in the Hampton Roads community. In 2010, Broderick created the ODU Business Gateway, which is located in Innovation Research Park, and was established as a goto resource for Hampton Roads businesses, and beyond, and support economic development. Since Broderick became president, the university has introduced a new Student Success Center and Learning Commons additions to Perry Library, which opened last fall. In March, Broderick was honored by the American College Personnel Association with the Contribution to Higher Education Award. He was also recognized with community awards in higher education, including the Virginia Center for Inclusive Communitiesâ&#x20AC;&#x2122; Humanitarian Award, the Urban League of Hampton Roadsâ&#x20AC;&#x2122; Marian

Palmer Capps Award, the College Communicators Association Distinguished Service Award, Lead Hampton Roadsâ&#x20AC;&#x2122; Julian F. Hirst Award for excellence in community, civic and professional leadership, and a 2011 Visionary Award from the Hampton Roads Chamber of Commerce. New this year to the Power List, Broderick said he is most proud to be able to directly contribute to ODU studentsâ&#x20AC;&#x2122; education. â&#x20AC;&#x153;Every semester I teach either a graduate or undergraduate class,â&#x20AC;? he said. â&#x20AC;&#x153;I think itâ&#x20AC;&#x2122;s important that I never forget why I have the privilege of being on the Old Dominion University campus â&#x20AC;&#x201C; students. That is why I am most proud of the American College Personnel Associationâ&#x20AC;&#x2122;s Contribution to Higher Education Award. It acknowledges the work we have done at Old Dominion to enhance and support our studentsâ&#x20AC;&#x2122; success.â&#x20AC;? Broderick serves as a board member of the Hampton Roads Partnership, Urban League and MacArthur Foundation. This year, Broderick was elected chair of the NCAA Football Championship Subdivision Presidents and was appointed to the American Association of State Colleges and Universities Council of State Representatives. His AASCU term began Jan. 25 and runs through Dec. 31, 2013.

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20 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

16. B. Rod Rodriguez ROD RODRIGUEZ, No. 15 on last year’s Power List, is known for his philanthroB. py and his involvement in community organiza-

tions. But the owner of Bay Mechanical Inc., a mechanical contractor and manufacturer headquartered in Virginia Beach, guards his privacy and plays down his contributions to the community. But Rodriguez, born in Chesapeake, is more than just the face or name on a plaque or a pavilion. The story begins at Raynor’s, a familyowned grocery store on Route 17 in Chesapeake. There, Rodriguez learned a work ethic and probably his drive to succeed. He started at the store when he was 11. “That was back in the day when supermarkets were family-owned,” he said. He stopped working there when he graduated from high school. His next step proved fortuitous. “I didn’t go to college,” he said. “I went into an apprentice program for pipefitting and other things.” In 1980, he began Bay Mechanical, which provides duct work, plumbing, and heating

COURTESY PHOTO

and cooling systems for hospitals and hospital additions. “We did every Sentara except for the one at Princess Anne,” he said. Eastern Virginia Medical School and the

University of Virginia Medical Center are among some of his other medical projects. In the 1990s, he opened offices in Chapel Hill and Charlotte, N.C. His customers included Duke University, University of North Carolina at Chapel Hill and North Carolina University. How many companies can say they were hired to work on the NFL Carolina Panthers stadium? “That was a nice job for us,” he said. His son, Mike, managed the job. “I think the way I grew up and the things I had to do made me a better person,” he said. “My thing is to help people who really need help.” Rodriguez believes that if you do well in life you should give back to the community. Loyalty is also one of his trademarks and his company is infused with it. Many of his employees have been with the company 20 years or more. “I have a lot of loyalty in my company and I am very loyal to them,” he said. His mother is 90 and still drives. Rodriguez may follow in his mother’s footsteps.

17. J. Morgan Davis T WAS THE EARLY 1970S. J. Morgan Davis, now presiIdent and chief banking officer of

TowneBank, was fresh out of college. Yet he wasn’t sure what he wanted to do. So he walked into the offices of Kellam & Eaton Insurance in Virginia Beach and chatted with Sidney Kellam, a principal of the firm and a family friend. Rather than jawing with Davis, Kellam took him next door to a First & Merchants Bank, one of the oldest in Virginia, to make a deposit. Entering, Kellam announced to everyone, “Do you all know Morgan Davis?” “The next thing I knew I was in a training program at First & Merchants,” said Davis, who related his entrée into the banking world. Davis, new to the Power List this year, is homegrown and bred. He graduated from First Colonial High School and Old Dominion University. For many years, he rode his bicycle to work, which was the First & Merchants Bank at 31st and Pacific in Virginia Beach where he was first introduced. “I’m a local yokel,” he said. Davis says he loves to travel. But after six days, he’s yearning to return home to Virginia. On occasion, he also plays in a

band of musicians of TowneBank employees. When people ask him what the J. stands for in his name, he says “jamming.” He has seen his share of bank mergers. First & Merchants merged with Virginia National Bank in 1983, creating Sovran Bank. In 1990 Sovran merged with Citizens & Southern National Bank to form C&S/Sovran Corp., which in turn merged with NCNB to form NationsBank, now Bank of America. Davis left Sovran in 1984 after the first merger and headed for Princess Anne Bank in Virginia Beach. In 1998, Davis huddled with Bob Aston and others in Aston’s garage to form TowneBank, the largest community bank in Hampton Roads in size of assets. The bank opened the following year and for the next 10 years expanded into insurance, real estate and mortgage lending. Davis explained the one lesson he learned in his business. “I have a sense of urgency about everything,” he said. “If it’s not any good, let’s move on.” The man who taught him this lesson was Waterside Capital Corp. founder J. Alan Lindauer, who passed away March 17.

COURTESY PHOTO

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 21

18. John R. Lawson II J

OHN R. LAWSON II, the owner of regional construction firm W.M. Jordan & Co., may have slipped a few notches on the Power List, down from No. 7. But it isn’t because

this man who started as a laborer cleaning up trash on a construction site lost his influence in the region. Au contraire. Lawson, who has worked for the family firm since 1975, is still one of the top 25 most influential individuals in the area and Lawson’s touch is probably on some of the highest-profile buildings in the region, spanning everything from hospitals to student housing. A sampling includes Ferguson Enterprises corporate headquarters, Ferguson Center for the Arts, Riverside Regional Medical Center, CHKD Health and Surgery Center, Old Dominion University student housing and Bridgeway Technology Center. But Lawson is more proud of his employees. He sees the potential in each one of them and empowers them to achieve their potential.

This may become his legacy. Lawson believes helping others is fun and powerful. “You get more of out of it than you give, Lawson said in an interview last year. “It’s not what you say; it’s how you live your life. I’m not real big on titles in our company. A true leader is the one who has a line outside their door – not because they have a title.” His career is diverse. He’s worked not only as a field laborer but also on a survey team, poured concrete and supervised teams in the field on construction sites. But this man who heads one of the region’s largest firms had no idea what he was going to do after college. He never thought he would be in the construction business. In 1975, he received a generous salary offer from oil firm Atlantic-Richfield, but he would have had to work in Houston. Even though he would get paid a third of what Atlantic-Richfield was offering, it didn’t matter, and so began his career with the family firm. FILE PHOTO

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19. Dennis Ellmer ENNIS ELLMER, Priority Automotiveâ&#x20AC;&#x2122;s president and CEO, D has grown his company to 13 deal-

erships. The company started in 1998, when Ellmer purchased Toyota and Chevrolet dealerships on Military Highway in Chesapeake, and now includes dealerships throughout Hampton Roads, Richmond and North Carolina. Priorityâ&#x20AC;&#x2122;s newest dealership, an â&#x20AC;&#x153;indoor superstore,â&#x20AC;? opened in September in Virginia Beach. The concept for the 110 S. Independence Blvd. store was to make carshopping convenient for customers regardless of weather. The used-vehicle dealership near the Virginia Beach Town Center features a good deal of its inventory inside in addition to outside. In November, Ellmer spoke about Priorityâ&#x20AC;&#x2122;s expansion into Virginia Beach. â&#x20AC;&#x153;We want to grow in markets we can better service customers we al-

ready have,â&#x20AC;? Ellmer said. The indoor superstore â&#x20AC;&#x153;gave us a footprint in Virginia Beach. The area in Town Center probably has one of the highest traffic counts in the area.â&#x20AC;? In 2011, Priority was the 58th largest auto group in the country. According to a report from AutoCount, the companyâ&#x20AC;&#x2122;s Chesapeake Toyota dealership sold the highest number of cars between January and August of last year among regional dealers â&#x20AC;&#x201C; 1,199 cars. Ellmer, a Norfolk native, who moved up from the lower 50 in last yearâ&#x20AC;&#x2122;s Power List, graduated from Norview High School in Norfolk and earned his bachelorâ&#x20AC;&#x2122;s degree from Old Dominion University. His career in the automotive industry began in 1975 in Hampton Roads, and now his company employs more than 1,000. Priorityâ&#x20AC;&#x2122;s inventory includes Toyota, Scion, Nissan, Kia, Volkswagen, Honda, Hyundai, Chevrolet and Acura brands. COURTESY PHOTO

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20. C. Michael Petters MICHAEL PETTERS is the president and CEO of the C. largest employer in the state, Hun-

tington Ingalls Industries Inc., parent company of Newport News Shipbuilding. Petters, a graduate of the U.S. Naval Academy who holds an MBA from the College of William and Mary, steered Huntington Ingalls through its first year as a publicly traded company. So Petters, who has been with the Newport News shipyard since 1987, deserves his one notch up from his position on the top 25 most powerful people to 20 in this year’s list. Last March, Northrop Grumman spun off Newport News Shipyard and shipyards in California, Louisiana and Mississippi under the umbrella of Huntington Ingalls Industries Inc. The company, now employing 38,000, went public on the

New York Stock Exchange and its shares began trading under the symbol HII. Marking its one-year anniversary, Petters signaled the end of the March 29 trading day at the New York Stock Exchange by ringing the closing bell. HII’s shares began trading March 31, 2011. During its first year, HII had sales of $6.58 billion and maintains a contract backlog of $16.3 billion as of Dec. 31. Less than two days after it emerged as a new company, HII was awarded a contract worth $1.5 billion for construction of the assault vessel, USS. John P. Murtha. And before its first year ended, HII received a contract for the refueling overhaul of the nuclear-powered aircraft carrier USS Abraham Lincoln, a contract worth $383 million, with options that would boost the contract to $678 million. HUNTINGTON INGALLS INC.

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21. Deborah DiCroce S

HE SPENT 14 YEARS as president of Tidewater Community College and helped put a new injection of students into Virginia’s second-largest community college.

When DiCroce left her post earlier this year, 45,000 students were enrolled. Now, as the head of the Hampton Roads Community Foundation, founded in the 1950s as the Norfolk Foundation, DiCroce is in charge of millions of dollars that go toward scholarships and grants. She’s moved up on the Power List from the lower 50 to the top 25. In 2010, the foundation teamed with the Virginia Beach one to become the Hampton Roads Foundation. The group has raised and given away millions of dollars in scholarships and grants over the decades, and has left its mark on many of the major projects and attractions in Hampton Roads, including the Virginia Aquarium & Marine Science Center and the Harrison Opera House. It is the region’s largest scholarship provider, with 55 permanent scholarships. This year, more than 350 students have received almost $1 million in scholarships. Last month, the foundation announced a new round of awards for nonprofits Eggleston Services, the Judeo-Christian Outreach Center, Planned Parenthood of Southeastern Virginia and Tidewater Winds.

HARRY GERWIEN

22. David Bernd AVID BERND is in the business of providing one of the most in-demand D services.

As CEO of Sentara Healthcare in Norfolk, he guides a $5 billion integrated health system that includes 10 acute care hospitals and 3,680 physicians. Sentara, a not-for-profit health care provider in Virginia and North Carolina, was ranked the No. 1 integrated health care network in the U.S. consecutively in 2010 and 2011 by Modern Healthcare magazine and is the only health care system in the nation to be named in the top 10 for 14 years. So Bernd has moved up from the back 50 in the Power List to the top 25. Sentara has completed three mergers in the last few years, which brought Martha Jefferson Hospital in Charlottesville, RMH Healthcare in Harrisonburg and the former Potomac Hospital in Woodbridge into the health system’s network. Bernd has also helped to expand the reach of Sentara’s services through other avenues. In March, Sentara announced that the Sentara Health Foundation would award $600,000 in grants to community organizations to improve the health of Hampton Roads citizens. The initiative provided 31 grants that reached clinics, health centers and local organizations across the region, like the Beach Health Clinic and the Boys and Girls Club of

the Virginia Peninsula. Currently under way is a $126 million project to replace Sentara Leigh Hospital’s 35-year-old patient wings in Norfolk. The plan is for the new patient towers, two fivestory buildings, to be completed by 2015. Bernd served in several positions at Sentara before becoming CEO in 1994. He became the executive vice president/chief operating officer of Sentara Health System in 1985, and also worked as the assistant administrator and administrator of Sentara Norfolk General, prior to that. Bernd was named by the secretary of commerce to serve as a member of the Measuring Innovation in the 21st Century Economy Advisory Committee of the Department of Commerce. In 2004, he served as chairman of the American Hospital Association Board of Trustees, making him the top elected official of the largest hospital and health system association in the U.S. In addition, he is a fellow in the American College of Healthcare Executives and serves as rector on the board of visitors at Old Dominion University. Bernd also serves on the boards of Vitalize Consulting Solutions and LHP Hospital Group Inc. In 2010, Bernd was recognized by Modern Healthcare for Sentara’s strides in information technology with the 2010 CEO IT Achievement Award. COURTESY PHOTO

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 25

EMERITUS Aston

G. ROBERT ASTON JR., chairman and CEO of TowneBank

JACK EZELL JR., founder of Zel Technologies LLC and KidTech

TOM BARTON JR., founder of Beach Ford and Barton Ford Lincoln-

ANDREW FINE, president of The Runnymede Corp.

Mercury CHARLES BARKER, president and CEO of Charles Barker Automotive JANE BATTEN, philanthropist, widow of Frank Batten, who founded Landmark Communications RICHARD BARRY III, retired vice chairman of Landmark Media Enterprises LLC GEORGE AND SUE BIRDSONG, CEO of Birdsong Corp. in Suffolk and his wife who joins him in philanthropic endeavors J. ROBERT BRAY, retired executive director of the Virginia Port Authority L.D. BRITT M.D., the Brickhouse Professor and Chairman, Department of Surgery at Eastern Virginia Medical School MACON AND JOAN BROCK, chairman and co-founder of Dollar Tree Inc. and his wife JOSH DARDEN, philanthropist, fundraiser, and business and community leader GERALD DIVARIS, chairman and CEO of Divaris Real Estate and determined advocate of the Virginia Beach Town Center

Ezell

DAVID AND SUSAN GOODE, retired chairman of Norfolk Southern and his wife who have worked on behalf of the arts across Virginia FATHER JOE GREENE, former vice mayor of Norfolk who co-chaired the End of Massive Resistance Commission

ELIZABETH “BETSY” DUKE, member of the Board of Governors of the Federal Reserve Duke

• Security • Distribution

CONRAD HALL, retired president and CEO of Dominion Enterprises KEN HALL, founder and former owner of Hall Automotive DAN HOFFLER, founder of Armada Hoffler WINNIE JOHNSON-MARQUART, heiress to SC Johnson & Sons household products fortune and president of Johnson Family Foundation TOMMY JOHNSON JR., Willcox Savage attorney, partner and chairman of the firm KATHERINE KATSIAS, owner of real estate firm The Katsias Co. LINDA KAUFMAN, philanthropist and art collector HARRY LESTER, president of Eastern Virginia Medical School, fundraiser and environmentalist

Darden

ROBERT DOUMAR, federal judge in U.S. District Court for the Eastern District of Virginia

• Sales • Web Development • Operations

Light

ANGELICA LIGHT, an attorney and retired president and CEO of the Hampton Roads Foundation

HARVEY LINDSAY JR., formerly president and CEO and now chairman of Harvey Lindsay Commercial Real Estate FRED NAPOLITANO SR., founder of Napolitano Homes » SEE EMERITUS, PAGE 27

The best acquisition you’ll make all year. Call 757.222.5353 to subscribe.

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The Hampton Roads Business Journal

26 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

23. Jerry Bridges

24. Paul Hirschbiel

THE VIRGINIA PORT AUTHORIT Y

IRED AS executive director of the Virginia Port AuH thority in 2007, Jerry Bridges

has steered the body through a tough economy that is now on the rebound. Port activity is moving back toward pre-recession levels. And Bridges has moved from the 26-to-75 grouping to the top 25 of the Power List. Bridges was recently named the new chairman of the Ameri-

can Association of Port Authorities. The Port of Virginia is, directly and indirectly, responsible for 50,000-plus jobs statewide and more than $41 billion in annual revenue. Last year, Bridges signed a six-year contract extension that comes with a $350,000 salary and incentives worth up to $175,000.

STEPHEN M. K ATZ | THE VIRGINIAN-PILOT

HE PRESIDENT of Eden Capital in Virginia Beach, T Paul Hirschbiel spends his

days giving consulting advice to companies and nonprofits on how to invest their money. And if he gets his way, he will soon be giving his input on how the country should invest its money. Hirschbiel is challenging U.S. Rep. Scott Rigell, R-Virginia Beach, for his seat, and according to reports, the Democratic National Campaign Committee has put him in the “top tier” of Democratic challengers, based on the amount

of money he has raised and the organization of his campaign. A longtime Democratic supporter, Hirschbiel calls himself a moderate and social progressive, and he’s wellknown for his philanthropy and community service, serving on the boards Smart Beginnings South Hampton Roads and the Virginia Early Childhood Foundation and the Hampton Roads Community Foundation. Last year he was ranked No. 16 on the Power List, and perhaps he’ll get there again.

MONDAY, MAY 7, 2012 Âť INSIDE BUSINESS Âť 27

25. Mary Jackson

EMERITUS Âť CONTINUED FROM PAGE 25

VALERIE NEFF, fundraiser and arts advocate

DWIGHT SCHAUBACH, chairman and owner of Bay Disposal and Recycling

ALAN NUSBAUM, chairman of S.L. Nusbaum Realty Co.

WILLIAM R. SHEPHERD JR., chairman and CEO of Southern Hospitality Auto Group

G. CONOLY PHILLIPS, former Norfolk city councilman and retired auto dealer

ANNE SHUMADINE, chairman of Signature, a wealth management firm

RICHARD AND LEAH WAITZER, owner of Richard Waitzer Properties, arts patrons and involved in childrenâ&#x20AC;&#x2122;s issues

ED SNYDER, founder and president of Checkered Flag

DICK ROBERTS, former president of Telecable Corp. PAT ROBERTSON, founder of Christian Broadcasting Network, Regent University and Operation Blessing JIM ROSE, chairman and CEO, Rose & Womble Realty

BOB STANTON, commercial real estate developer and founder of Stanton Partners Inc. PAUL TRIBLE JR., president of Christopher Newport University and former U.S. senator FRANK WILLIAMS, CEO and president of Frank T. Williams Farms Inc.

TOY SAVAGE JR., Willcox Savage attorney and partner

HARRY GERWIEN

APT. MARY JACKSON, the first female commanding offiC cer of Naval Station Norfolk, has

an impressive background. As a surface warfare officer, she has spent her career alternating between complex sea and shore assignments in Norfolk, which includes four ship and three shore assignments. As the leader of Naval Station Norfolk, Jackson understands the importance of having open communication and effectively sharing information with the team. â&#x20AC;&#x153;Naval Station Norfolk is very fortunate to have an experienced and dedicated staff of both military and civilians who are passionate about what they do,â&#x20AC;? Jackson said. â&#x20AC;&#x153;We also enjoy incredible support from our â&#x20AC;&#x2DC;customersâ&#x20AC;&#x2122; â&#x20AC;&#x201C; ships, squadrons, staffs, families and our surrounding communities. â&#x20AC;&#x153;We work hard to instill a sense of ownership,â&#x20AC;? she said. â&#x20AC;&#x153;Everyone has a stake in our mission one way or another, and when you see the fruits of your labor, it makes all the hard work seem relevant and contributory. That said, none of what we do happens without effective communications at all levels.â&#x20AC;? As the first female commander of a naval station, Jackson is aware of the significance of the appointment. In a previous interview, Jack-

son said, â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m the first female commander to assume the role of commander at a naval station, but I really donâ&#x20AC;&#x2122;t want to focus on that. The focus should be about the naval station and the fact that we have individuals here working hard every day. â&#x20AC;&#x153;The entire Naval Station Norfolk team â&#x20AC;&#x201C; we are part of a bigger aspect of Hampton Roads,â&#x20AC;? she said. â&#x20AC;&#x153;We are part of the community, and I hope that collaboration and sense of serving each other only grows. That is what makes Hampton Roads so impactful.â&#x20AC;? New to the Power List this year, Jacksonâ&#x20AC;&#x2122;s professional and business activities include serving as a local chapter president and on the national board of directors of the Hampton Roads Surface Navy Association, member of Women in Defense and member of Sea Service Leadership Association. She earned a masterâ&#x20AC;&#x2122;s of engineering management degree from George Washington University in December. In addition to various service and unit awards, Jacksonâ&#x20AC;&#x2122;s medals include the Defense Meritorious Service Medal, the Meritorious Service Medal (three awards), the Navy Commendation Medal (three awards), the Navy and Marine Corps Achievement Medal (four awards).

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The remaining 50 of the Power List are listed in alphabetical order. JACKIE AMATO This is how the president of TowneBank Mortgage replied when asked if she really did take up skydiving over the past 12 months. “Heck no. I didn’t even play golf,” said Jackie Amato, who loves to play Amato golf. She’s been busy, very busy, expanding TowneBank’s mortgage business in Raleigh and Richmond and attending every conference, event and conference call about the mortgage industry and government regulations. “We’re expanding in a big way,” she said. “Last year was a great year for us. I love the Raleigh market and I’m testing the Richmond market.” Towne Mortgage is moving into the western part of Virginia as well. “We’re talking to some folks in Roanoke. I’m encouraged by this,” she said. “I think the next couple of years will be fun. I’m actually glad we’re back to basics.” Back in the 1960s, the mother of two never dreamed of becoming chief mortgage officer for TowneBank, one of Virginia’s largest community banks. Women had few career choices back then. Amato ran Hampton Roads Funding, a mortgage lender associated with home seller William E. Wood and Associates, for 11 years. In 2000, Hampton Roads Funding merged with TowneBank Mortgage and Amato was named president of the newly formed Towne Mortgage.

STEPHEN BALLARD The owner of S.B. Ballard Construction Co., Stephen Ballard started his business out of his Norfolk house, before moving to an empty pawn shop. The company now employs 300 people and the contracting business Ballard has had a hand in many major projects around Hampton Roads, including EVMS, Virginia Beach Seawall, University Village at Old Dominion University, S.B. Ballard Stadium at Foreman Field, and the Half Moone

Cruise and Celebration Center. His list of community service is practically endless – CHKD’s Run for the Children, treasurer of the Old Dominion University Education Foundation, Edmarc Hospice, Associated General Contractors of America and the Virginia Beach Wetlands Committee. He was the 2011 chairman of the American Heart Association’s Start! Heart Walk.

ROBERT M. BOYD He is a newcomer to the Power List but anyone who’s anyone in the Hampton Roads business community has felt Robert M. Boyd’s influence for years. Boyd is the Hampton Roads regional president for BB&T, but banking is just one facet of his life. He has served as the chairman and regional board member of Hampton Roads Chamber of Commerce, and also serves or has served on the boards of the Greater Norfolk Corp., Hampton Roads Economic Development Alliance, the Hampton Roads Partnership, the Virginia Arts Festival, ACCESS College Foundation, the Chrysler Museum and the Virginia Aquarium & Marine Science Center.

LINWOOD O. BRANCH III Linwood Branch III is a staunch supporter of Virginia Beach, where he operates Oceanfront hotel Days Inn at the Beach. In fact, Branch has served in an array of capacities to support the city, from the arts community, Branch to municipal and tourism industry roles. Branch helped raise more than $14 million for the Sandler Center for the Performing Arts at the Virginia Beach Town Center, through his role as a past president of the Sandler Center Foundation for the Performing Arts. The Randolph-Macon College graduate is the immediate past chair of the Hampton Roads Chamber of Commerce’s Virginia Beach Division. Having spent his summers in the city as a child, Branch is now in a leadership position to shape the future of Virginia Beach. From 1992 to 2002, he served on the city council, and he is a past president of the

Virginia Beach Hotel/Motel Association and the Resort Retailers Association, as well as a past member of the Resort Advisory Commission. He serves on the Virginia Beach Development Authority.

JEFFREY BREIT Since the fall of 2010, Jeffrey Breit has been immersed in the details of one of the biggest trials of the century – the BP oil spill case. Breit, a partner at Virginia Beach law firm Breit, Drescher & Imprevento, which was startBreit ed in 1988, joined a team of 15 lawyers on the BP case called the plaintiffs’ steering committee. He was selected as one of eight lawyers from that group to try the case, which was resolved in an uncapped settlement reported to be as high as $14 billion. Breit was appointed to the committee after representing fishermen in Louisiana and Virginia and disbursing $7 million in BP compensation payments to his clients in 2010. For those services he did not charge a fee. Breit is a member of the Maritime Law Association of the United States, the North Carolina Trial Lawyers Association and the International Academy of Trial Lawyers. His past titles and roles include a position as an adjunct law professor at the College of William and Mary and serving as president of Operation Smile and the Virginia Trial Lawyers Association. Breit has served on the Board of Editors for the Maritime Law Reporter and was the Virginia Governor for the American Association for Justice for 25 years, formerly known as the Association of Trial Lawyers of America.

DEBORAH H. BUTLER In the male-dominated railroad industry, Deb Butler is a fresh voice and face. A graduate of Agnes Scott College with a degree in English literature, Butler is executive vice president of planning and chief informaButler tion officer for rail conglomerate Norfolk Southern Corp.

She can be seen at industry events and earnings conferences, explaining the company’s capital investments and long-term strategy. She’s on the starting lineup, which includes Chairman and CEO Wick Moorman. Butler is the second woman to reach the executive vice president level with Norfolk Southern. The first was Kathryn B. McQuade, who was executive vice president of planning and chief information officer from 2004 to 2007. Butler was vice president of customer service of Norfolk Southern Railway Co. from July 1, 2004, to June 1, 2007. She joined Norfolk Southern in 1978 as a customer account auditor. She was named assistant vice president of transportation customer services in 2000 and vice president of customer service in 2002.

CARLOS CAMPO Since Carlos Campo became president of Regent University in August 2010, the school has received full accreditation from the Commission on Colleges of the Southern Association of Colleges and Schools. The Campo Christian university in Virginia Beach has also embarked upon a $17 million expansion in the Indian River Road corridor. Projects include work on a 36,645-square-foot school of divinity and a 22,164-square-foot chapel on the campus. New labs for an applied science and ethics program, expansion of sports teams from intramural to intercollegiate athletics, and an expanded student union and additional dormitories may also be a part of the expansion, slated to be completed by 2015. Regent was founded in 1978, and as of last fall, it had an enrollment of nearly 6,000 students. The school offers 59 graduate and undergraduate degrees. Campo, who joined Regent in 2008 in the role of vice president for academic affairs, has also created two new positions at the college – director of church relations and director of military affairs. The Chesapeake resident has a wife and three adult children, and earned a Ph.D. and master’s degree in English and a bachelor’s in

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 29

theater from the University of Nevada Las Vegas. A fun fact about Campo: He has family ties to showbiz. His father was a Cuban band leader, and his mother was singer Betty Clooney, actor George Clooney’s aunt.

LISA CHANDLER Born in French Morocco, Africa, the daughter of a U.S. Air Force officer, Lisa Chandler is the executive vice president of Nancy Chandler Associates, one of the top real estate agencies in Hampton Roads. Chandler is Chandler responsible for many new construction projects and is the community liaison for the company. She also serves as the director of relocation and managing broker for the Property Management Department. Although the housing market has been hit hard, Chandler continues to remain hopeful. “In order to cope with the downturn in the economy, it has been important to stay focused, get back to basics, keep networking, and make sure we are on top of our technology opportunities,” Chandler said. Chandler is a graduate of Old Dominion University, and holds a degree in environmental health. Upon graduation, she was a catering manager for the Omni Hotel in Norfolk until joining Nancy Chandler Associates in 1988. She is a member of several organizations and boards including, a member of the National Association of Realtors, Virginia Association of Realtors and Hampton Roads Realtors Association; planning commissioner, City of Norfolk; board of directors, Heritage Bank; chairman, Crispus Attucks Cultural Center; president-elect, Rotary Club of Downtown Norfolk; and board of directors, ODU Real Estate Foundation. In 2010 she was honored as YWCA’s Woman of Distinction in the category of Volunteerism and in 1997 was named an Outstanding Professional Woman of Hampton Roads.

REV. DR. HAROLD J. COBB JR. The Rev. Dr. Harold James Cobb Jr. is in his 17th year as rector of Grace Episcopal Church in Norfolk, only the eighth rector in the church’s 150 years. The ministers at Grace tend to be longserving and Cobb long-living, said Cobb, who intends to maintain the trend.

Cobb came to Hampton Roads from a post as a church rector in his native North Carolina in 1995 in response to a search committee from Grace Episcopal. “The area embraced me when I came here so I embraced it back,” said Cobb, who is the chairman of the Norfolk International Airport Authority. He sits on many boards including the Hampton Roads Community Foundation, Children’s Health System, Westminster Canterbury on the Chesapeake Bay as well as Saint Paul’s College in Lawrenceville and Protestant Episcopal Theological Seminary in Alexandria. He holds an honorary doctor of divinity degree from Saint Paul’s, a master’s in divinity from the Protestant Episcopal seminary in Alexandria and a bachelor’s from the University of North Carolina at Chapel Hill. He is a staunch cheerleader for Hampton Roads. “We are a dynamic region, finding our own place in the world,” he said. Programs at the region’s universities and at Eastern Virginia Medical School and growth at the port and the airport are putting us on the world map, he said. Cobb is especially excited about an initiative launched by the Hampton Roads Community Foundation that intends to make the business community a more cohesive force, to diversify the economy and expand industries in the area.

ANN CRENSHAW Go to any real estate function or any regional event and you will find attorney Ann Crenshaw graciously dispensing advice or listening intently to what’s being said. The partner with the law firm of Kaufman Crenshaw & Canoles is a big proponent of regionalism and of contributing to the community – which in her view is the region and not just Virginia Beach or Norfolk. To her, Hampton Roads is the community on which everyone should focus. “I have learned a lot personally about contributing not only to Virginia Beach but to the region,” she said. She is incoming president of the Civic Leadership Institute, a program begun by philanthropist Josh Darden to immerse individuals in the art of community leadership. She is most proud of her time as president of CREW and mentoring young women in the commercial real estate profession and helping them find jobs. She has two sons, both graduates of the University of Virginia and Woodberry Forest School. Clark, 28, will graduate with an

MBA from the Darden School of Business this month. Gordon, 23, a graduate of U.Va.’s McIntyre School of Commerce, works in New York City. “I’m so proud of my boys,” she said, saying they are her greatest achievement. “I’m so proud of them I could bust.” And, by the way, she has been recognized by her peers as one of the best lawyers in America.

ROB CROSS Rob Cross is a man for all arts. A Chesapeake native, he works hard, he’s passionate and he has a vision. That’s advice he received from his mother, who was single and raised two children on her own. These attributes suit him well as the executive director of the Virginia Arts Festival, a job he’s had for 16 years. He also learned loyalty and hard work from his stepfather, who married his mother when he was 5. Cross, who was trained as a classical musician, attended the Tanglewood festival in Massachusetts with the Boston Symphony for two summers when he was 16. It was a turning point for Cross, who then decided that Hampton Roads would be a great place for an arts festival. Cross always seems surprised by the success and popularity of the Virginia Arts Festival, as if he still can’t believe his dream of an arts festival morphed into reality. To Cross, the arts are part of the economic fabric of this community. He’s an arts evangelist.

JOE DORTO Now in his 33rd year of working at Virginia International Terminals, Joe Dorto oversees all the business functions of the Port of Virginia. Working in tandem with the Virginia Port Authority, Dorto’s role is to make Dorto sure that the port runs smoothly and remains competitive with other East Coast ports. The Port of Virginia is the third busiest port along the East Coast, after New York and Savannah. And with the opening of the expanded Panama Canal, Dorto will be charged with bringing more activity into Virginia. He said last year that at age 61, he’s not thinking about retirement. And why should he? He earns $537,379 per year, plus incentive pay of up to 65 percent of his base pay.

THELMA DRAKE Thelma Drake has been a real estate agent, a congresswoman and a Virginia legislator.

For the past two years, she has been the director of rail and public transportation for the state of Virginia, a post to which she was named by Gov. Bob McDonnell in his first year in office. McDonnell picked Drake for Drake the job because of her knowledge of state and federal transportation issues. Drake’s job has been to put people on trains and get them off Virginia’s clogged highways. She’s done that or put in motion plans to do just that. Rail advocates in Hampton Roads applaud her gumption and perseverance for getting the money and the approvals to launch a passenger rail service between Norfolk, Richmond and Washington, D.C., by the end of this year and for supporting passenger rail throughout Virginia. She’s been good to the freight railroads also, especially Norfolk Southern Corp., which received $114 million in state grants to upgrade its track and signals between Norfolk and Petersburg. Drake was born in Elyria, Ohio, but she’s known more as an Ocean View resident, activist and politician.

WENDY DRUCKER In 1981, Wendy Drucker began working for her family’s property management and real estate company, Drucker & Falk, in North Carolina. Drucker relocated her family in 1994 to the headquarters located in Newport Drucker News. Today, Drucker is a managing director of Drucker & Falk and is responsible for the operations of the firm and planning the firm’s future. She is also involved in new business development and the renovation of older properties. She is passionate about her business and providing a livelihood for nearly 1,000 employees as well as providing safe housing for more than 25,000 families, and takes great pride in working for the firm that her grandfather started in 1938. Her genuine enthusiasm and ability to lead others is apparent to all who meet her. She serves on numerous boards in the Hampton Roads area, donates her time and resources to local organizations and actively raises money each year for the American Cancer Society through the local Relay for Life event. She was inducted into the Hampton Roads Business Hall of Fame by Junior Achievement and was named one of the Women to Watch by Jewish Women International. » CONTINUED ON NEXT PAGE

30 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

RANDY FORBES Del. Randy Forbes, R-Chesapeake, sticks to his beliefs. He is a proud defender of the armed forces, he has disagreed with the closure of the U.S. Joint Forces Command in the region and tried to halt its shutdown, and he has issued repeated warnings about China’s military buildup. Forbes, whose district stretches from Chesapeake through rural eastern Virginia, to Petersburg, has held his seat since 2001. He was elected to the House of Representatives after serving in both houses of the state legislature since 1989. Forbes founded and chairs the Congressional Prayer Caucus, a bipartisan group whose aim is to protect prayer and the nation’s spiritual history. He is also founder and chairman of the Congressional China Caucus, which monitors China’s military and economic ascendancy. Forbes graduated from Great Bridge High School in 1971, from Randolph-Macon College in 1974 and the University of Virginia School of Law in 1977.

STEVE FREDRICKSON Steve Fredrickson, chairman, president and CEO of Portfolio Recovery Associates Inc., is the only one from the Norfolkbased financial and business services company to make this Power List, but he’d like to put Fredrickson his 3,000 employees on it too. They are the reason the company of four employees he co-founded in 1996 has seen such impressive growth. PRA’s core focus is consumer debt purchase and collection, done with sensitivity and patience, Fredrickson says. “It’s all about being able to find a really good team,” he said about the company’s success. “We look for people who are good listeners, good negotiators at finding middle ground. They need to be compassionate and creative. “For me, the most rewarding part of the business is watching employees grow over time.” Portfolio Recovery had its best year in 2011, surpassing $100 million in net income, a 37 percent increase over 2010. Revenue of $458.9 million represented a 23 percent increase over 2010 revenue. During 2011, the company’s stock price ranged from a high of $90.95 to a low of $56.76.

Earlier this year, PRA acquired a debt purchase and collection company in Scotland called Mackenzie Hall. Fredrickson says the company, now in 10 states, looks forward to continued growth. Asked if an improving economy is bad news for debt collection, he said, “Actually the distressed accounts we acquire are created in good times and bad, a byproduct of the consumer lending cycle. We’re used to working with consumers over very extended time periods, maybe taking small payments over several years’ time.” He said the portfolio of accounts obtained during the last three or four years has “put fuel in the company’s tank.” PRA has been named to the Forbes 100 Best Small Companies in America list for five years, from 2007 to 2011. It was named one of BusinessWeek’s 100 Hot Growth Companies in 2003, 2005 and 2007, and was recognized by Fortune as one of America’s Top Small Businesses in 2006 and 2007. Fredrickson holds a number of service positions in the region, including membership in the Executive Advisory Council of the College of Business and Public Administration at ODU. This year he chaired the Heart Ball, a fundraiser by the American Heart Association. Under his leadership, the event raised $150,000 for the cause, an increase of more than 50 percent over last year’s ball.

ROBERT L. ‘BOBBY’ FREEMAN JR. Bobby Freeman is a CPA, an attorney and a developer, with the $500 million mixed-use development of Port Warwick the crown jewel of his accomplishments. Or so you would think. Freeman is at Freeman least as proud of the Newport News Public Art Foundation, a nonprofit he established 12 years ago to bring fine art to the city. To date, 14 permanent pieces of sculpture have been installed around Newport News, and Freeman is working on the delivery of 12 more pieces. He makes frequent trips to the Italian town of Pietrasanta, near Pisa, where he taps its international artisan community to produce works that will enrich the Newport News cityscape. No, Freeman is not an artist himself, simply dedicated to the mission of making art accessible

to everyone. “I’m the curator, I marry money with art,” he said. “More people see our sculptures in a day than visit our museums in a year. That’s what jazzes me up about this.” The sculptures are supported by private money and public funds from the city. One is at Newport News-Williamsburg International Airport, one outside Riverside Regional Medical Center, another at Port Warwick. Right now, Freeman, the developer, said, there are no more Port Warwicks on the horizon. “We’re 10 years away from that type of growth,” he said. “But we do have a handful of small expansions and niche projects on the drawing board, including a small office development in Gloucester.” After 2008, when the real estate world came to an end from the development side of things, Freeman switched professional focus to property management, and now his firm, Tower Park Management, supervises 1 million square feet of commercial property. Freeman is chairman of the board of Virginia Health Services Inc., a regional convalescent and retirement services company. He also sits on the boards of Advex Corp. in Hampton and the Mariners’ Museum in Newport News. In the past, he chaired the board of directors of Virginia International Terminals and was a board member of the Industrial Development Authority of Newport News. He has served on the board of visitors of Virginia Tech and Christopher Newport University.

GORDON GENTRY JR. In the banking world, Gordon Gentry Jr. is one of the old-timers. Since 2004, Gentry has sat as chairman of the board of directors of TowneBank Peninsula. A banker for more than 50 years, he began his banking career at the Bank of Warwick and has been a president, a CEO, chairman and founder. He started Harbor Bank in 1996. Like many others on the Power List, his life has been steeped in community service, serving as president of the Hampton Roads Jaycees, chairman of the Peninsula Ports Authority and on various other commissions, committees and boards, such as Riverside Health System, An Achievable Dream Foundation and Virginia Peninsula Community Foundation. He is also a retired colonel in the U.S. Army Reserves.

LOUIS S. HADDAD Armada Hoffler’s president and CEO, Louis S. Haddad has been with the Virginia Beach-based company for 27 years. Haddad became president of the construction division at the age of 28 and was promoted to Haddad president of the holding company in 1996, adding the role of CEO in 1999. As such, he presides over all operations within the company including the construction, development and asset management divisions. The portfolio of properties Armada Hoffler owns and manages reaches nearly $800 million in market value, totaling over 5.5 million square feet of real estate. Although the company has expanded throughout the mid-Atlantic, some local projects Armada Hoffler is involved in include: The Town Center of Virginia Beach, the Newport News Marriott Hotel and Conference Center, and the Hampton University Proton Therapy Institute. Armada Hoffler was founded in 1979. Haddad is also a child advocate; he and his wife, Mary, co-founded the Haddad Foundation serving at-risk children. The Governor’s School for the Arts, United Way, March of Dimes, American Heart Association, Big Brothers/Big Sisters, and Special Olympics are all organizations Haddad has committed his time and energy to over the years.

EDWARD L. HAMM JR. In 1980, Edward L. Hamm Jr. founded his own engineering and management consulting firm in Virginia Beach, and was eventually able to use the experience to help other minority businesses. From 2002 to 2006, Hamm was the director of the Virginia Department of Minority Business. The Hampton University graduate was also a special adviser to former Gov. Mark Warner for minority business. His Beach-based company, E.L. Hamm & Associates, has operations across the country, in California, Illinois and Pennsylvania. It employs about 200 people. E.L. Hamm clients, over the years, include the Transportation Security Administration, the U.S. Army Corps of Engineers, the U.S. Navy, U.S. Coast Guard, U.S.

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Army, the National Institute of Standards & Technology, and the National Aeronautics and Space Administration, among other public and private entities. Hamm’s company has had contracts with the U.S. Navy and Army totaling $150 million, and he was a past rector of the Board of Visitors for Norfolk State University. He has also served on the Board of Trustees for Hampton University and Eastern Virginia Medical School, and the Board of Visitors for Old Dominion University.

WILLIAM R. HARVEY Quite possibly the best-known president of any Virginia university, William R. Harvey began his presidency at the historical black college in 1978. Since then, he has steered the school into one of the most elite Harvey African American colleges in the country. It even made its way into pop culture – many say the university on the popular 1990s show “A Different World” was based on Hampton University. A former U.S. Army man and current lieutenant colonel in the U.S. Army Reserves, Harvey graduated from Harvard University and is also the owner of a Pepsi Cola bottling company. More than 6,300 students call Harvey “president,” and the university has recently made national news for opening the largest proton therapy cancer treatment center in the world.

RODNEY JORDAN Rodney Jordan believes in the power of the individual coupled with the powers of other individuals. Together, they can make a difference. People power can transform neighborhoods. It can educate children and build crumbling economies. “I believe in ‘We can make it together,’ so I consider my accomplishments as done with others, not in isolation,” he said. Jordan serves as director of community impact for One Economy Corp., a nonprofit that helps individuals, through technology, to improve their lives, and he has been instrumental in bringing technology to low-income neighborhoods and teaching children about the Internet. His resume and his career are reflective of his belief that the community is where people achieve and succeed, from his stint on Norfolk’s housing authority board and the Hampton Roads Workforce Development Board and his time with Norfolk Public Schools.

Jordan was a Norfolk Redevelopment and Housing Authority commissioner from 2002 to 2009. He was the only African American to serve his full term as chair of the board. Jordan fought hard to de-concentrate poverty and wrote a policy paper on the subject while at the housing authority. He believed that public and subsidized housing in the same neighborhoods perpetuated the cycle of poverty and that such government housing should be spread throughout the city. Jordan is a board member of the Joe Jordan Foundation and the Urban League of Hampton Roads.

SUZY KELLY Susan “Suzy” Kelly is CEO of a woman-owned business, a Chesapeake City Council member and a big booster of the Foodbank of Southeastern Virginia and St. Mary’s Home for Disabled Children. Now she’s on Inside Business’ list of the most influential people in Hampton Roads. Kelly, a graduate of Old Dominion University, manages 60 people in offices in Chesapeake, Richmond and Jacksonville, Fla. The firm, Jo-Kell, has supplied electrical systems and solutions to the military, commercial marine and industrial marketplaces for over 30 years. Kelly began her career at JoKell in 1978. Under the leadership of Joseph Kelly, the founder of Jo-Kell, Kelly served as corporate treasurer, corporate secretary and executive vice president. After the retirement of Joe Kelly, Suzy Kelly assumed the title of CEO in 2002. Her credits, among many others, include being a member of Gov. Bob McDonnell’s Task Force on State Mandates on Localities, 2011; Chesapeake City Council member, whose term expires in 2014; a member of Gov. McDonnell’s Commission on Government Reform and Restructuring; Virginia Chamber of Commerce board member and executive board member; and vice chair of Chesapeake’s GOP party.

CATHY LEWIS After Gov. Bob McDonnell cut funding for public television, Cathy Lewis lost her PBS television show, “What Matters,” in 2011. But she still remains one of the area’s top discussion-makers. Her radio show, “Hearsay with Cathy Lewis” on WHRV FM helps lead the business, political, social and cultural conversations that make up daily life in Hampton Roads. When local leaders want a forum to speak to thousands of people, they go on “Hearsay.” In addition to her broadcasting duties, Lewis is the executive director of the Civic Leadership Institute, which provides leadership training for Hampton Roads

power players and power players in-the-making.

JOHN MALBON Virginia Beach native John Malbon owns oil distribution company PAPCO Inc., which opened the region’s first public biodiesel pump in 2006. Malbon, PAPCO’s president and CEO, bought the company in 1976 at a bankMalbon ruptcy auction. In January, PAPCO was named the 2011 Associate of the Year by Tidewater Associated General Contractors. PAPCO is recognized as a premier petroleum marketing company in the region. Malbon is a graduate of James Madison University and is involved in many leadership positions in Virginia Beach. He is the co-chair of the Envision Virginia Beach 2040 Committee, which focuses on the 30-year future of the city, and serves as the vice chair of the board of the directors for the Virginia Economic Development Partnership. Malbon’s past roles include chairman of Sentara Healthcare’s board of directors, president of Virginia Beach Vision and member of the Resort Advisory Commission. He serves on Sentara’s board of directors. In 2006, Malbon was named King Neptune, and in 2007 he was named the First Citizen of Virginia Beach by the Virginia Beach Jaycees. He is on the TowneBank Virginia Beach advisory board, and on the board for the Hampton Roads Community Foundation and the Virginia Beach Neptune Festival.

MIKE MCCABE SR. Mike McCabe Sr. has steered his company through dangerous waters for the past year and is heading for the tranquility of a good economy. The president and CEO of Harvey Lindsay Commercial Real Estate has done this by motivating his brokers, the men and women who beat the streets for sales and leasing deals every day. He has urged them to stay focused, to keep their eye on the big picture and to maintain their relationships. McCabe has spent a lifetime volunteering for various organizations. But he’s not an elitist. He admits to pulling for the underdog. As a Norfolk Academy board member, McCabe pushed to expand financial aid for those who couldn’t afford the tuition for the private school. McCabe learned his lessons from his Irish Catholic mother and father. His father was born in Kansas and his mother was born in Memphis.

He was born in Charlotte and the family moved to Cape Charles when he was four where his father worked as a sales manager for GL Webster, a vegetable canner. About his father: “He was first and foremost a gentleman.” His advice: “Always tell the truth.” McCabe went to Cape Charles High School with 75 students and later attended Virginia Tech.

JEFF MCWATERS State Sen. Jeff McWaters, R-Virginia Beach, is a long way from Paducah, Ky., where he was born and raised. Now the founder of managedcare company Amerigroup is a Virginia state senator and plays in a band called Guava Jam. The University of Kentucky graduate won re-election to his General Assembly seat last November. He ran unopposed. His term ends in 2016. A conservative Republican representing the eastern portion of Virginia Beach that is the 8th district, McWaters won his seat in Virginia’s senate in a landslide victory over Democrat Bill Fleming in 2010. McWaters championed a slew of bills this year in Virginia’s 2012 General Assembly session. But the one that grabbed headlines was his “conscience clause bill,” which would allow private adoption agencies to refuse child placement to prospective parents based on the organization’s beliefs. Gov. Bob McDonnell signed the bill into law April 9. McWaters, after a few years at accounting and health care firms, wrote a business plan at his kitchen table that was the blueprint for Amerigroup, now a Fortune 500 company based in Virginia Beach.

DELCENO C. MILES For the second year in a row, Delceno C. Miles, president and CEO of The Miles Agency, a Virginia Beachbased niche marketing and public relations firm she founded 23 years ago, has made the Power List. Miles “I’m still trying to figure out how I made the list last year,” Miles said. “There are so many fascinating people who call Hampton Roads home who are making a difference in their communities.” Her areas of expertise are community outreach, promotions, marketing, media and public relations, and special event planning. Former U.S. Sen. George Allen appointed her to two boards while he was governor. Gov. Bob McDonnell has appointed her to the Christopher Newport University Board of Visitors and the Board of » CONTINUED ON NEXT PAGE

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Professional and Occupational Regulation. Other boards she serves on include the Hampton Roads Chamber of Commerce (regional and Virginia Beach Division); Beachevents Steering Committee; Virginia Aquarium and Marine Science Center; Contemporary Art Center; Senior Services of Southeastern Virginia – where she is the immediate past board president; Red Cross Coastal Virginia – where she chairs the Communications Committee; NCP Community Development Federal Credit Union, where she is vice chair; and the Sandler Center for the Performing Arts. She has also served as a Neptune Festival and STOP Organization board member. Miles was appointed in 2002 as the first African American and only the third woman chair of the Hampton Roads Chamber of Commerce regional board. “I’m amazingly blessed that my business is thriving in this challenging economy,” Miles said. “All the more reason to give back to the community that has given so much to me.”

AUGUSTUS C. ‘GUS’ MILLER Under the direction of Augustus “Gus” C. Miller, Miller Oil Co. was transformed from Exxon Co. USA’s home heating oil business of the ’70s, into one of Inc. Magazine’s 500 fastest-growing companies in the ’80s. Miller, the oil company’s CEO, purchased the home heating A.C. Miller segment from Exxon in 1977, and founded Norfolk-based Miller Oil Co. The oil company now offers service stations, convenience stores, heating and air conditioning services, a home heating oil division and a commercial fuel division. Miller Oil Co. has more than 400 employees. Miller worked for Exxon Corp. prior to buying Miller Oil Co., and serves on the corporate advisory board for Exxon USA, Mobil Oil Corp. and BP. His service roles include being the past chairman of the Children’s Hospital of The King’s Daughters and past chairman of the Chrysler Museum of Art. He is also on the board of directors for the Miller Oil Foundation, a board member for the Smithsonian Institute and on the President’s Advisory Committee on the Arts for The Kennedy Center in Washington, D.C.

JEFF MILLER Jeff Miller entered the family business in 1981 after working for five years in the restaurant business in Washington, D.C. At Miller Oil Co., he worked in various capacities in each division ultimately leading Jeff Miller up to his present position of president. Miller says giving back to the community is one of the cornerstones of Miller Oil. “My father, Gus, has been very active in the community since he started the business in 1977,” Miller said. “I am proud to follow in his footsteps by supporting organizations like Hope House Foundation, CHKD, St. Mary’s and many others. “That tradition is guaranteed to carry on as we established the Miller Oil Foundation a few years back,” he said. “It is chaired by my mother, Deanne, and my daughter, Lindsay, is the executive director. The foundation seeks to impact our community by helping people help themselves.” In 2004, Miller was elected to the board of directors of the National Association of Convenience Stores, which represents the interests of more than 2,000 convenience retailers from around the world. He has served on the executive committee as vice chairman of member services; vice chairman of NACSPAC, treasurer and most recently NACS chairman. As chairman, he testified before Congress on behalf of the convenience store industry and represented the industry at events all over the world. Miller has served on the executive committee of TowneBank Norfolk. He is also a member of the board of directors of the Norfolk YMCA. He is past president of the d’Art Center, past chairman of Hope House Foundation and past president of Retail Alliance. He was recognized with an Alli Award for Outstanding Contribution to the Cultural Life of Greater Hampton Roads in 2001 and received the Jefferson Award for Outstanding Volunteer Service to the Hampton Roads Community in 2002. “I’m not sure how influential I am, but it is a real honor to know that I am considered to be part of the fabric that makes Hampton Roads a great place to live and do business,” Miller said.

JERROLD MILLER As president of Earl Industries, Jerrold Miller oversees a workforce of more than 900 people who are responsible for repairing the Navy’s ships. With $200 million in revenues each year, the company was founded in 1985, and Miller was its second full-time employee before buying it in 1989. The company hit a rough spot in 2011, when the Navy cancelled a $75 million contract, but Earl Industries remains one of the top ship repair businesses in the United States. Its energy arm, Earl Energy, introduced lexGen, a system that is helping the Navy and Marines reduce fuel consumption and shrink their carbon footprint

W. SHEPPARD MILLER III W. Sheppard Miller III, a Norfolk native for many generations back, says he gives back to his community because he has been so blessed. He owns two W.S. Miller III Virginia Beach companies, KITCO Fiber Optics, where he is chairman of the board, and Light Tech Fiber Optics, where he is president and CEO. He lives in the Larchmont neighborhood, on a street that’s been home to five generations of his family. His long list of community commitments grew a bit longer last year, when he was appointed to a four-year term as a member of the Commonwealth Transportation Board, the organization that decides how highway maintenance and construction funds will be spent throughout Virginia. The work is challenging, he said, “a combination of a lack of resources to do what needs to be done and trying to divide up the baby, so to speak.” For the last eight years Miller has chaired the Norfolk Redevelopment and Housing Authority, whose mission is to provide housing and supportive services to lowincome people and to redevelop neighborhoods. He is also chair of Hampton Roads Ventures, a forprofit owned by NRHA that applies for New Markets Tax Credits and then sells them to spur economic development. He is the chairman of the political action committee of the Hampton Roads Chamber of Commerce and serves on the boards of the Norfolk division of Monarch Bank,

the Hampton Roads Economic Development Alliance and HampdenSydney College, his alma mater.

DR. KEITH NEWBY SR. Dr. Keith Newby Sr. has faced recent setbacks, with a fire that forced his medical practice to leave Fort Norfolk Plaza, but the cardiologist is still keeping the business going. Newby Newby, who lobbied for the $70 million Fort Norfolk Plaza medical office development to be built, finally saw the project completed in 2010, after construction had been delayed three years. The nine-story development was subsidized by the city. The fire struck Fort Norfolk April 9, and caused Newby’s practice, Fort Norfolk Plaza Cardiology Associates, and the property’s other medical groups, to move into the Wainwright building at 229 W. Bute St. in Norfolk. Newby, a jazz enthusiast, started the James Newby Jr. MD Foundation, in memory of his father. He received a bachelor of science from Norfolk State University, his medical degree from Eastern Virginia Medical School, and completed his internship and residency at the Emory University School of Medicine. The cardiologist also completed a fellowship in clinical training in cardiology at Duke University Medical Center. He is a member of the Society for Vascular Ultrasound and Norfolk Academy of Medicine Inc., and on TowneBank’s board of directors. Newby is also a fellow of the American College of Cardiology.

J. CHRISTOPHER PERRY Chris Perry has fond memories of Wards Corner. As a youngster, he often visited his grandparents, who lived in that Norfolk neighborhood. He remembers getting haircuts and patronizPerry ing retailers at the four quadrants that were once called the “Times Square of the South.”

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His father, J. Douglas Perry, and his uncle, Macon Brock, were co-founders, along with Ray Compton, of Dollar Tree, now a Fortune 500 company of more than 4,000 stores, based in Chesapeake. The first Dollar Tree was located at Wards Corner. Perry said he hopes that the Harris Teeter grocery store that his company, Norfolk-based Suburban Asset Management, will develop on the southeast quadrant will be the first step in a revitalization that will bring the ailing shopping district back to life. Empty storefronts and parking lots plague Wards Corner today. The Harris Teeter project, which will begin with demolition this summer, with the 53,000-square-foot store scheduled to open for business in 2014, will also include about a dozen small shops, Perry said, and an outparcel that could house a bank. “This project means more to us than any other because of the history of this space in our family,” said Perry, whose family has owned the southeast quadrant since the 1950s. Perry founded Suburban Asset Management, a real estate investment and management firm with a focus on shopping centers and storage facilities, in 2007. The company, headquartered in Dominion Tower, has assets from here to Florida, including 26 shopping centers. Perry sits on the boards of Children’s Health System, the Virginia Arts Festival, ForKids, the Business Consortium for Arts Support and the Patricia and Douglas Perry Foundation, which is his family’s charitable foundation.

C. LARRY POPE C. Larry Pope has served as president and chief executive officer of Smithfield Foods Inc. since 2006. Pope joined Smithfield Foods in 1980 as controller, became vice president of finance in 1999, chief financial officer in 2000, and was named president and chief operating officer in 2001. Prior to joining Smithfield Foods, Pope spent four years with Coopers & Lybrand. His nearly 30-year career at the company spans a variety of senior management roles and responsibilities that bring in-depth experience in operational, finance, accounting and risk management matters.

VAN ROSE To keep his head above water in a down economy, J. Van Rose Jr. lives by this recruiting mantra subscribed to by potential new marines – “run to chaos.” “That may seem strange but once understood Rose it is beyond pow-

erful,” said Rose, president of Rose & Womble Enterprises. The mantra reads “Most people hear the sounds of chaos and run in the opposite direction. But there are a few who listen intently for these sounds, not in the hope of hearing them, but to help rid the world of them. They are the few forged in the crucible of training to respond quickly and decisively in the midst of chaos and uncertainty and when the time comes to move they are the first to move toward the sounds of tyranny, injustice, and despair. They are the first to move because the only things louder than the sounds of chaos are the sounds of the few moving toward them.” “It is this motto of running to chaos that gives purpose to my life and helped me not only face the challenges of a troubled market but run to it with passion and purpose to right the wrongs, to lift the distressed and to lead with the sole purpose of improving life around me because few are going to run with you to chaos,” Rose said. Rose is also president of Rose & Womble Realty Co., New Homes Division. “My goal each day is to make an impact on someone’s life in a positive manner,” Rose said. “That alone gives me focus and helps me stay passionate.”

JACK ROSS Jack Ross, president and chief operating officer of Dominion Enterprises and president of Landmark Media Enterprises LLC, oversees a media empire that includes The Virginian-Pilot Media Cos., The News and Record in Greensboro, N.C., the Roanoke Times, two TV stations, and more than three dozen community newspapers nationwide. He began his career in 1984 as an ad sales rep with The Virginian-Pilot and worked his way up through Landmark’s ranks as general manager of the Norfolk Auto Trader, vice president of the Employment Guide, which he helped launch, and then vice president of Trader Publishing Co. In 2007, he became president of Dominion Advertising LLC before becoming president and chief operating officer in 2009. A graduate of Old Dominion University, he is also an Eagle Scout and is involved in numerous civic activities, including CHKD, United Way and the Union Mission.

BOB SASSER 2011 was a banner year for Bob Sasser, president and CEO of Chesapeake-based Dollar Tree. Earnings hit record highs; the retailer opened more than 270 stores. Earnings for the full year were $4.03 per diluted share, an Sasser increase of 24.8

percent, compared with $3.23 per share last year, and net income for the year rose 18 percent to $488.3 million. The company also expanded its Georgia distribution center to 1 million square feet from 600,000. Sasser began his career at the retailer in 1999, when he was named chief operating officer, after a career at Michaels and Roses. He was named president in 2001 and CEO in 2004. “The success of Dollar Tree as it has always been is based on our focus on the customer,” Sasser said during a conference call earlier this year. “We aim our efforts at increasing the value of the merchandise for $1, improving the quality of our shopping environment, and providing the infrastructure that supports the business.”

BURRELL SAUNDERS Architect Burrell Saunders has planned and designed seven major town centers in Virginia, and more than 50,000 acres of mixeduse developments throughout the eastern seaboard. Saunders founded CMSS Saunders Architects in 1982, and designed Virginia Beach’s Town Center, Sandler Center, City Center at Oyster Point in Newport News and Dominion Enterprises’ tower in Norfolk. CMSS was acquired by Hankins and Anderson Inc., a Glen Allen engineering firm, in 2010. In November, Saunders moved to Lyall Design at the World Trade Center in Norfolk, where he is a principal, and is pursing architectural projects, concentrating on urban design, including the Roanoke Riverfront, an urban mixed-use village, and Southern Village in Richmond. In Henrico County, he’s also working on the Innsbrook, a corporate park where 20,000 people work, helping to transition it into a full mixed-use central business district. He is a past president of the Virginia Arts Festival – he designed its building, naturally – and a member of its board. He is the mission advancement chair for the Hampton Roads Urban Land Institute and on the board of the Virginia Beach Central Business District Association.

BRAD SCHWARTZ The president of Monarch Financial Holdings, Schwartz has helped guide the community bank into one of the region’s success stories. Each quarter, it seems, the bank has topped itself, reporting recording earnings in March, a net income of $2.5 million, up 83 per-

cent over the same quarter 2011, and the best all-time and first quarter profits in the company’s history. Schwartz joined the bank in 2004, was named CEO of Monarch Bank in 2009 and CEO of Monarch FiSchwartz nancial in 2010, taking the place of William “Tree” Rountree, who died last year. A CPA, he spends his spare time working with Virginia Beach Court Appointed Special Advocates, Junior Achievement and the Hampton Roads Partnership.

ROBERT C. ‘BOBBY’ SCOTT U.S. Rep. Robert C. “Bobby” Scott, D-Newport News, represents the 3rd district of Virginia in Congress. Scott began serving his 10th term on Jan. 5, 2011. Prior to serving in the U.S. House Scott of Representatives, Scott served in the Virginia House of Delegates from 1978 to 1983 and in the Senate of Virginia from 1983 to 1993. During his political career, Scott has focused on laws beneficial to Virginians including health care, education, employment, economic development, crime prevention, social services and consumer protection. Scott serves on the Committee on the Judiciary, where he is the ranking member of the Subcommittee on Crime, Terrorism and Homeland Security and a member of the Subcommittee on the Constitution. He also serves on the Committee on Education and the Workforce where he is a member of the Subcommittee on Early Childhood, Elementary and Secondary Education and the Subcommittee on Health, Employment, Labor, and Pensions. When Scott was elected to the U.S. House of Representatives in 1992, he made history by becoming the first African American elected to Congress from Virginia since Reconstruction and only the second African American elected to Congress in Virginia’s history. He is a graduate of Harvard College and Boston College Law School. After graduating from law school, he returned to Newport News and practiced law from 1973 to 1991. He received an honorable discharge for his service in the Massachusetts National Guard and the U.S. Army Reserve. » CONTINUED ON NEXT PAGE

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WALTER SEGALOFF Walter Segaloff wields his own brand of power, perhaps the best kind: He helps others, especially the disenfranchised, find power and talent inside themselves so that they can lead fulfilling, meaningful lives. Segaloff In 1992, Segaloff was driving through Newport News’ East End when he saw three kids, probably about 13, on the ground, handcuffed by police. His first thought was, “What an enormous waste.” He did a lot more thinking after that, and the first result, later that year, was his summer program for at-risk kids. That became an afterschool program, which eventually morphed into a public college-prep school in Newport News called An Achievable Dream, which graduated its first high school class in 2011. As he grew this dream, Segaloff used that magical power of his to win the support of the local business community, Newport News Public Schools and the city of Newport News. The school won state, federal and private grants. And Segaloff gained a reputation in the community as a master fundraiser. His Jewish faith motivated him to tackle a project as bold and big as the school, he said in an interview last year. “The Jewish faith teaches us that if I save one life, then I have saved the world,” he said. By profession, Segaloff was a retailer, the president of Virginia Specialty Stores Inc., a woman’s clothing chain of 107 stores in the eastern United States. Segaloff’s father, Charles, started the company in 1947 with one store in Newport News. Walter sold the company in 1992. Long before he launched An Achievable Dream, Segaloff was winning humanitarian awards – from the Jaycees, the Chamber of Commerce, the National Conference of Christians and Jews. Since founding the school, he’s received so many more including the Hampton Roads Black Media Professionals 1999 Award for Outstanding Service in Academia; recognition by the State of Virginia Board of Education in 2000; recognition as a “Living Legend” by the Newport News branch of the NAACP in 2004; the Albert B. “Buck” Gornto Jr. Regional Service Award from Old Dominion University. His awards, of course, are not

the focus of this humble man. His focus is growing award-winners at An Achievable Dream.

PRESCOTT SHERROD As one of 10 children from a lower middle-class family, Prescott Sherrod has risen to become a key player in the minority-owned systems integration, operations and management services arena. Sherrod is president, CEO Sherrod and owner of PEMCCO Inc., which he founded 15 years ago with his wife. His corporate office is located in Virginia Beach, with remote presences in Arlington; Charleston, S.C.; Rochester, N.Y.; and Long Island, N.Y. Sherrod keeps his company above water by staying positive. “It is a very tough economy,” Sherrod said. “Prayer and staying focused have helped us to endure as well as persevere through the challenges we have and continue to face every day. “We’ve found that during this slow economy we’ve had to alter our business culture in ways parallel to the economic conditions we’ve faced. Our customers’ demands remain high but their budgets low. As a result we’ve had to be creative and come up with innovate methods for providing similar services at reduced costs. We realized that if we didn’t do this for our customers, our competition would.” Sherrod was the third African American to serve on the Virginia Beach City Council. In addition, he has served on numerous boards and organizations including past chair of the Virginia Beach Minority Business Council; former commissioner of the Virginia Beach Development Authority; member of Virginia Beach Public Schools’ General Advisory Council for Technical and Career Education; board member of Virginia Beach Community Development Corp.; board member of the Planning Council; and member of the board of TowneBank Virginia Beach.

PHILIP SHUCET During his two years as the head of Hampton Roads Transit, Philip Shucet is credited with turning the beleaguered agency around. He was brought in after its former president, Michael Townes, left the job in the wake of accusations of mismanagement related to Virginia’s first and only light rail,

the Tide. The controversial project was millions of dollars over budget, and Shucet was hired to rein things in and get the Tide rolling. After his arrival, several top HRT executives left and Shucet Shucet promised to make HRT the most transparent public agency in Hampton Roads. By last August, the Tide was on track and last month, it celebrated its 1 millionth ride. Shucet left the post in March to concentrate on his transportation consulting business.

DIGBY SOLOMON “This is an exciting time to be in the world of community journalism,” said Digby Solomon, president, publisher and chief executive officer of The Daily Press Media Group. Prior to returning to the Daily Press, SolSolomon omon had two tours of duty there and spent three years as president of Hoy, Tribune Publishing Co.’s Spanish-language daily newspaper, with editions in New York, Los Angeles and Chicago. Under his leadership, Hoy became the fastest-growing Spanish language newspaper in the U.S., reaching more than 1.5 million readers. Previously, he served as general manager of the Chicago Tribune’s Internet business and director of electronic media at the South Florida Sun-Sentinel. “Consumers are quickly shifting their habits in how they consume the news, but they still need reliable, accurate and nonpartisan journalism that tells them what vested interests would rather keep quiet, as well as advertising that helps them spend their money wisely in difficult economic times,” Solomon said. “That’s something only trained journalists and professional marketers can do, and can’t be replaced by computer algorithms or popularity votes on websites. We deliver it in any channel they want, which is why our audiences continue to grow.” He serves as treasurer of the Southern Newspaper Publishers Association and is past treasurer of the National Association of Minority Media Executives. His community affiliations include serving

as vice chairman of the Hampton Roads Partnership and of Greater Peninsula Now. He is a past member of the advisory board of Christopher Newport University’s Luter School of Business.

CHRISTOPHER STONE This year is an unusual one for Chris Stone PE, a structural engineer who has been president of Clark Nexsen PC since 2000. Since he began a one-year term as the president of the National Society of Professional Stone Engineers last summer, Stone has been on the road 75 percent of the time. That road has led to Rome, where he spoke last year to a consortium of professionals about engineering licensure in the U.S., and it will take him to Japan and Korea in the near future. As national president, Stone also visits every state, where he is usually asked to be the keynote speaker at the state’s annual engineering conference. He is thrilled to have the opportunity to see the world, he said, honored to address so many professional engineers, grateful that his Clark Nexsen colleagues fill the void in his absence as he embraces what is almost a fulltime job. Back in Norfolk, the headquarters for Clark Nexsen, a firm of 550 architects and engineers that also has eight other offices in Virginia, the District of Columbia, North Carolina and Georgia, the focus is on the firm’s next big local project – an all-new courts complex for the city of Norfolk. This is one more in the long list of high-profile local projects executed by the firm, which also works internationally. Stone’s personal favorites have been the Virginia Beach Convention Center and the Half Moone Cruise and Celebration Center in Norfolk. Clark Nexsen also worked on the Ocean Beach Club Resort in Virginia Beach, the Norfolk State University RISE Center project, the Hybrid Automotive Training Facility at Tidewater Community College, among many others. Stone obtained his master of engineering degree from the University of Virginia in 1980 and a bachelor of science in structural engineering from Virginia Military Institute in 1978.

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E.J. STRELITZ E.J. Strelitz, CEO of Haynes Furniture in Virginia Beach, comes from a long line of businessmen. In fact, his grandfather, Ellis Strelitz, bought the furniture company from L.D. Haynes in 1930. E.J. Strelitz took on the role of CEO in the late ’80s, and the Haynes brand now has five locations in North Carolina and Virginia. Haynes operates discount furniture store The Dump, which has locations across the country – 10 in Virginia, Pennsylvania, New Jersey, Texas and Arizona. In 1998, the Eastern Virginia Strelitz Diabetes Center opened, after a donation of $1 million from E.J. Strelitz’s father.

DICK THURMOND As the president of real estate firm William E. Wood and Associates Realtors in Virginia Beach, Dick Thurmond helps guide about 500 agents and directs branches throughout Hampton Roads, Elizabeth City, Thurmond and Moyock, N.C. Thurmond, the sole owner of the company, entered the firm as an agent in 1980. William E. Wood and Associates generated more than $1.2 billion worth of real estate in 2011. Last year, the company sold more than 4,500 homes and was named one of the top 100 real estate brokerages in the nation, by Real Trends industry newsletter. Thurmond is a past director of the Cape Henry Rotary Club and is a director for TowneBank. In 2010 he received the Old Dominion University Distinguished Alumni Award. He is also on the board of Chesapeake Bay Academy.

MOLLY JOSEPH WARD Molly Joseph Ward, mayor of Hampton, is proud of Hampton’s many accomplishments such as the efforts to make Fort Monroe a national monument. “Working with citizen groups, state lawmakers and the govWard ernor’s office, our congressional delegation and the White House, we achieved our goal of making Fort Monroe part of the National Park Service last year,” she said. “That bipartisan effort showed that it is possible to accomplish the seemingly impossible when we keep our focus on what is truly important.” Ward has received numerous

awards for her leadership and service from diverse groups, including the President’s Volunteer Service Award 2012 Drum Major for Service and the leadership award from the Alpha Phi Alpha Fraternity’s Hampton Chapter for “leading the effort to secure national monument status for Fort Monroe.” She topped Veer magazine’s list of the most “culturally important people” in Hampton Roads for 2011. Ward, re-elected to another term last Tuesday, said she hopes to build on that over the next four years. “In Hampton, that would involve setting us on a path for the future that is community-driven and lasts longer than any elected official’s tenure, including mine,” Ward said. “It must encourage further development of our strengths – high-tech research and jobs, a strong retail core, and beaches and historical attractions that make this a great place to live and visit. “For Fort Monroe, we must ensure that future uses respect the history and beauty of that very special place and maintain public access. For the region, we must find a way to work together to find a real solution to our transportation issues and to maintain our federal institutions.”

ROBERT ‘BOB’ WILLIAMS Robert “Bob” Williams, former Portsmouth and Newport News city manager and owner of TriCity Developers, is a hero. Williams pitched an attractive deal for Portsmouth’s new 203,000-square-foot courthouse. Costing $78 million, Williams was able to combine the offices of the sheriff’s department, the commonwealth’s attorney, court services and all the courts into one major complex on 11 acres that includes a parking lot of 600 parking spaces. “I’m a hero for the judges,” he said. At the University of Virginia, he played baseball and football. After graduation, he joined the city of Portsmouth as finance director in 1966, and was city manager from 1975 to 1981 and Newport News city manager from 1981 to 1986. Williams joined Goodman Segar Hogan in the development of Harbour View, a 2,000-acre housing development in Suffolk. Last April, Williams was honored as Portsmouth’s First Citizen and as 2010 Sports Person of the year by the Portsmouth Sports Club. Williams has devoted much of his time to the construction of an indoor batting and pitching facility at Churchland High School and the Oasis Social Ministry building in Portsmouth. The baseball facility was donated to the school in honor of Williams’ son, Steve, who died in 1982.

NeWS

Tech Nite Awards conferred Joel Nied won High Tech Leadership; Grow Interactive won Emerging Company BY BILL CRESENZO

bill.cresenzo@insidebiz.com

Technology Hampton Roads named its 2012 technology leaders last week during its annual Tech Nite Awards. The awards are designed to recognize and promote Hampton Roads businesspeople and educators who represent the best in the technology fields. The event was held Thursday evening at the Virginia Beach Convention Center. Joel Nied, a partner at LeClairRyan, won the High Tech Leadership Award. “Over the past decade, Joel has been at the forefront of promoting technology in Hampton Roads,” the judges said. “Joel founded and served on the board of the Entrepreneurs Forum of Hampton Roads. He has served on both the Modeling and Simulation Advisory Committee and the Hard Sciences Advisory Committee to the Virginia General Assembly Joint Commission on Technology and Science. Joel is part of the Lead Hampton Roads Class of 2003, was listed as Inside Business Magazine’s Top Forty Under 40, and was a mentor for Start Norfolk in both 2011 and 2012.” The High Tech Emerging Company award went to Grow Interactive in Norfolk, “a digital agency that creates high-end, interactive experiences for the world’s top brands, both directly and in partnership with major advertising agencies.” “Grow creates websites, mobile websites, mobile and social applications,” the judges said. ”In the past year, Grow has engaged major projects for Google, HBO, FedEx, Sprint, and BFGoodrich among others, grown revenues by 80 percent and increased staff to 23 people. The company and its projects have been recognized in Fast Company, the New York Times, the Wall Street Journal, Wired, Gizmodo and Mashable.” Josh Roberto, the co-founder of Savage IO, which designs, makes and sells converged data storage systems, won the High Tech Entrepreneur award. “Savage products have been successfully introduced into a mar-

Nied

ket of extreme competition from the likes of IBM, Dell, HP, NetApp and EMC,” the judges said. “They have found success by separating themselves from the flock based on hardware, design and costs.” Lori Rose, a fifth-grade teacher at Thoroughgood Elementary School in Virginia Beach, won the STEM Educator of the Year Award. “Lori has spearheaded the STEM efforts of her school in several ways,” the judges said. “First, she mentored several teams in a robot-building competition entitled Stack Attack. Lori has also worked with three First Lego League teams that had to build and program robots to carry out specific tasks in the Green City Challenge. Lori is already in the planning stages for continuing these two activities next year. Finally, her classes build rockets, egg racers, marble movers, solar ovens and airplanes to deepen student understanding of the curriculum.” The Technology Commercialization Center (TeCC) won the Technology Resource Award. “TeCC has been a constant resource to Technology Hampton Roads and its members,” the judges said. “It assists industry, universities and federal laboratories to realize the commercial potential of their inventions through effective marketing strategies and licensing support. It guides organizations through the technology commercialization process, from how tech transfer works to a detailed description of the technologies currently available for licensing or partnerships.”. Wayne Zettler was named Volunteer of the Year. “Over the past year, Wayne has been a constant source of support for THR,” the judges said. “He has participated in almost every THR initiative, driven attendance to our events, and has made countless introductions leading to new members and Tech Partners. Additionally, he sits on the Board of Innovate for Profit and is invaluable IB to its planning.”

CORRECTION An article on RoomStore exiting the Texas market incorrectly referenced Mattress Discount-

ers Group LLC as having stores in Hampton Roads. MDG has stores in Virginia, but none in the region.

36 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

NeWS

Injunction filed in eminent domain sign case BY PHILIP NEWSWANGER

philip.newswanger@insidebiz.com

The Institute for Justice, a public interest law firm, has filed an injunction in federal court to stop the city of Norfolk from penalizing a company for hanging a banner protesting the condemnation of the property it sits on. Central Radio, a government contractor, must tear down the sign by May 5 or face penalties of $1,000 a day from the city. The Institute for Justice says the city is violating the First Amendment rights of Central Radio, which employs 100 workers and has been operating in Norfolk for 78 years. Institute for Justice attorneys Steve Simpson and Erica Smith, and Bob Wilson, co-owner of Central Radio, held a press conference last Wednesday announcing the action. The appearance of the public interest group, which has litigated some high-profile cases, adds a new twist to Wilson’s fight to keep his property. It’s a fight that until now has captured minimal public attention. Institute for Justice attorneys represented the Connecticut homeowners, led by Suzette Kelo, in the case that started the national dialogue about property rights and the taking of property. In Kelo v. the city of New London, Conn., the city proposed condemning a block of homes for a private developer, New London Development Co., for the development of an office campus for pharmaceutical giant Pfizer. The U.S. Supreme Court reviewed the case and ruled in favor of New London, but the high court’s ruling allowed states to set their own eminent domain laws. In a case that mirrors Wilson’s free speech protest, the Institute for Justice represented Jim Roos, a St. Louis, Mo., property owner and activist for the poor, who painted a mural on the side of one of his buildings condemned by the city protesting the city’s taking of 24 of his homes. The city cited him for violating the city’s sign ordinance, saying a permit was required. So Roos applied for a permit. But the city refused to give him one. In protest, Roos refused to remove the mural, citing his right to free speech. In response, the city took him to court. Last July, the 8th Circuit Court of Appeals ruled in Roos’ favor, ruling that the government isn’t allowed to restrict free speech based on the message. The city took the case to the U.S. Supreme Court, but the high court refused to hear it and the Court of Appeals decision was upheld in

PHILIP NEWSWANGER PHOTOS

The 600-square-foot sign on Central Radio is too large, according to Norfolk city officials. It cannot be more than 60 square feet, they say.

Institute for Justice attorneys Erica Smith, left, staff attorney, and Steve Simpson, lead attorney, join Central Radio co-owner Bob Wilson at a press conference last week supporting Wilson’s First Amendment right to free speech.

Our contention is that the sign is a political protest and my First Amendment rights are being violated.” BOB WILSON, co-owner of Central Radio

February of this year. Roos won, backed by Institute for Justice attorneys. Central Radio’s Wilson is also fighting the taking of his property and his right to protest, and Institute for Justice attorneys are trying to protect his constitutional rights.

“Our contention is that the sign is a political protest and my First Amendment rights are being violated,” Wilson said prior to the press conference. Wilson said the effort to fill out an application for a permit to hang the banner is futile. Even if the city approved the permit, he

would have to reduce the sign to one-sixth of its present size. “They could drag the decision on for months,” he said. “The process for filing is a dead-end street. Once you go down that street, you never come back.” Steve Simpson, lead attorney for the Institute for Justice, said, “Cities have broad authority to regulate the design of signs, but not the language of the signs.” Robert Dean, chairman of the Tidewater Libertarian Party, said the case was a perfect example of why the General Assembly crossed hurdles to bring a constitutional amendment to Virginia voters. The constitutional amendment would, if passed on Nov. 6, shift more power to property owners. “That referendum is going to pass, 90 percent to 10 percent,” Dean said. Among other things, it would compensate property owners for their loss of business, as well as their loss of property. It makes clear that the condemnation of property for private use or for economic development is prohibited. The Virginia Association of Counties and the Virginia Municipal League fought to have the amendment axed. Virginia Beach city officials warned its city council of the dangers of having the amendment, saying it would be more expensive to develop streets and neighborhoods. But the item was dropped from the city’s legislative agenda at council’s urging and the behindthe-scenes prompting of Virginia Beach’s state legislators. Norfolk Redevelopment and Housing Authority, whose seven board members are selected by Norfolk City Council, condemned Wilson’s property last year, and Norfolk Circuit Court upheld the condemnation. A trial to determine the value of Wilson’s property and his equipment was scheduled for last week but has been delayed. Neither Wilson nor his local attorney, Joe Waldo, know when the court will reschedule the trial. Wilson’s property is an island amid Old Dominion University’s University Village, a conglomeration of student dormitories, parking garages, office space, shops and restaurants, most of which is owned by the university’s nonprofit real estate foundation. The university and the city laid plans for University Village in the late ’90s, which included the buying or taking of property. The plans also proposed a shopping center at the corner of 38th Street and Hampton Boulevard, an area that includes Wilson’s IB property.

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 37

Tip of the week RETAIL ALLIANCE LAUNCHES CRIME-ALERT SYSTEM Want to keep tabs on shoplifting, robberies and other retail crimes in your community? Retail Alliance now offers a free crime-alert service for members. The Norfolk-based alliance, which represents some 3,000 storefronts throughout Hampton Roads, launched Retail Crime Alert in mid-April. Alliance members can sign up to receive the alerts through email and/or text messages. Updates are available from the Peninsula, Southside or both regions.

Mattes

To offer the new service, Retail Alliance partnered with local law enforcement. Police departments and other agencies will post information on crimes such as theft, counterfeiting, forgeries, bank robberies and carjackings. “They’ve committed to go into this

system and download a criminal alert,” said Retail Alliance President & CEO Ray Mattes. “The system will alert our members. So, if you have a bank robbery in Phoebus, how important would it be for the people in Hampton to know about it?” The service is the brainchild of the Retail Alliance Loss Prevention Task Force, which meets monthly and includes local retailers, law enforcement officers and security company partners. The alliance spent the last several months soliciting “every police jurisdiction in all Hampton Roads for their commitment,” Mattes said. The online system was designed for Retail Alliance by Customer Magnetism, an Internet marketing agency in Virginia Beach. So far, between 50 and 75 alliance

members have signed up for the crime alerts, Mattes said. Currently, seven law enforcement agencies are posting alerts, including police departments in Norfolk, Portsmouth, Virginia Beach and Chesapeake. Once trained on the system, Newport News and Hampton police will post alerts. Mattes hopes to include the FBI and other agencies. The service will also post Amber Alerts. To join the alliance, visit www.retailalliance.com. An annual membership is $245. To subscribe to Retail Crime Alert, call Rhonda Zentkovich at 455-9310 or visit www.retailcrimealert.com. – Teresa Talerico

Coming next week Workplace wellness programs

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Valkyrie named fastest-growing small business in Virginia BY BILL CRESENZO

bill.cresenzo@insidebiz.com

The Virginia Chamber of Commerce has named a Virginia Beach defense contracting firm the fastest-growing small business in the commonwealth. Valkyrie Enterprises LLC topped the chamber’s 2012 “Fantastic 50” list, which is based on revenue growth. The chamber and Virginia Business Magazine, which co-sponsors the contest, said the company’s revenues grew 4,731 percent over the past four years. It has 156 employees and provides engineering and technical services to the U.S. Navy, NATO and commercial clients. “Many of our areas of expertise are critical to the Navy’s future capabilities; because of this, despite defense budget cuts, we are able to thrive,” said Kat Ciesielski, a company spokeswoman. “We can also attribute our success to diversification. Our industry is constantly changing and we have to adjust accordingly. We are working hard

to expand our footprint in areas in which we previously did not serve with respect to both services as well as geography.” Virginia Business made note of the fact that last year, all the companies that made the list were technology- or service-based. This year, a retailer made the list – SteelMaster of Virginia Beach, as did a manufacturer, Heattex America. The other Hampton Roads companies that made the list are: No. 5, Rand Enterprises Inc. of Newport News No. 9, Insignia Technology Services. of Newport News No. 25, Spectrum of Newport News No. 29, Grow Interactive of Norfolk No. 35, Coastal Management Solutions of Virginia Beach No. 38, Bosh Global Services of Newport News No. 45, ProLog Inc. of Virginia Beach No. 48, JES of Virginia Beach No. 50, SteelMaster Buildings IB of Virginia Beach.

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PayDay gets its own payday Payroll company wins Monarch Bank’s $50K Top Flight Award FROM STAFF REPORTS

A Virginia Beach payroll company was named the winner of Monarch Bank’s “Top Flight Award” and will receive $50,000 in cash and services. PayDay Payroll Services was founded in 1985 and provides payroll and human resources services to businesses and nonprofits. The bank announced the winner of its award at its annual meeting Thursday in Virginia Beach. PayDay Payroll owner CEO and founder Andy Kline will receive $10,000 cash from Monarch Bank; a professional business service package valued at $10,000 from accounting, tax and advisory firm Cherry, Bekaert & Holland LLP; a professional business package valued at $10,000 from Cox Business Communications; an advertising package, including the creation of a 30-second commercial and cable airtime, valued at $10,000 from Cox Cable Media; and an advertising

contract with Pilot Media for one year valued at $10,000. Norfolk law firm Vandeventer Black also sponsored the award. Fifty-three Hampton Roads businesses entered the contest, which aims to take small businesses to the “next level,” according to the bank. The other two finalists were SteelMaster Buildings and Taste. Once finalists were selected, the public was able to vote on its favorite. The bank said that 2,739 unique votes were received. Finalists were selected based on growth in revenue and employees, and a narrative about how the company would use the prize package to forward the company and its IB community service efforts.

38 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

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MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 39

DATA Contracts Apogee Solutions of Chesapeake was awarded two task orders last month. A task order under the Sustainment Center of Excellence Small Business Pool Contract valued at $1.4 million, with an option year equal to $2.8 million, will support the U.S. Army Quartermaster School. Work will support the Combined Arms Support Command Sustainment Warrior Field Training Exercise at Fort Lee and Fort AP Hill. Apogee will fill 54 positions that will help replicate operational environments in preparing sustainment soldiers and leaders for wartime missions. Apogee will hire personnel to provide performance-oriented, hands-on training. Another task order under the SCoE Small Business Pool Contract is valued at $3.8 million, including option years, to provide instructor support for soldiers being trained in basic electronics maintenance trainer and fire control for advanced individual training for the U.S. Army Ordnance School at Fort Lee. Apogee will fill 17 positions that will provide field training services. Apogee Solutions is an economically disadvantaged woman-owned small business that specializes in technology integration services, warfighter training and exercise support, and health care services.

REASON TO SMILE Last month, Operation Smile hosted its two-day Annual Resident Leadership Conference, a gathering of more than 50 resident physicians from all over the world who came together to discuss changes in global health care service delivery. The participants were Regan Fellows, resident physicians who participate in the work of Operation Smile, from Canada, China, Colombia, UK, India, Israel, Italy, Sweden, Kenya, Mexico, Mozambique, Philippines, South Africa, Spain as well as the USA. The meetings took place at the Hilton Garden Inn Virginia Beach April 21-22. electronic health record. Mary Immaculate is the eighth hospital in the Bon Secours system to go live with ConnectCare. Syntactical, a Norfolk-based creator of real-time, mobile and predictive applications, announced that it has released the following applications – depInsight.com and depinsight for iPad, and EveInsight.com. These business intelligence tools are used by chapters of the 500,000-member Project Management Institute. Both apps provide instant access to chapter statistics, quick member lookup an online member directory and the ability to create an images-based member directory. For more information, visit http://depinsight.com/mobile. EveInsight.com provides business intelligence to the 500,000 players of EVE Online, a multiplayer online role-playing game. For more information, visit http:// eveonline.com.

New businesses, locations & services Gov. Bob McDonnell announced that Engility Holdings Inc., a new company to be publicly traded, and subsidiary L-3 Services Inc., to be renamed Engility Corp., will invest $6.5 million to locate corporate headquarters in Fairfax County, following a spinoff from L-3 Communications. Engility Corp. provides systems engineering and technical assistance training and operational support services for the Department of Defense and other U.S. government agencies, as well as civil and international customers. Virginia successfully competed against Maryland for the project, which will create 50 jobs, according to a press release from the governor’s office. In 2011, Engility had sales of $2.18 billion with about 9,200 employees. Tony Smeraglinolo, executive vice president of L-3 Services Inc., will be appointed Engility’s chief executive officer when the spinoff is complete. The Virginia Economic Development Partnership worked with the Fairfax County Economic Development Authority to secure the project for Virginia. McDonnell approved a $350,000 grant from the Governor’s Opportunity Fund to assist the county with the project. Through its Virginia Jobs Investment Program, the Virginia Department of Business Assistance will provide funding and services to support the company’s recruitment and training activities. Finder’s Keepers, a body-piercing boutique, has opened a second location, at 1434 Sams Drive, Suite 104, Chesapeake. It also has a shop at Janaf shopping center in Norfolk.

40 YEARS OR MORE OF SERVICE Huntington Ingalls Industries announced that its Newport News Shipbuilding division honored 720 shipbuilders for 40 or more years of continuous service to the shipyard. Shipbuilders who have reached 40 years of continuous service are honored with a “master shipbuilder” designation. Here, Master Shipbuilder David Smith, left, receives his jacket from NNS President Matt Mulherin during the April 26 celebratory banquet at the Hampton Roads Convention Center. At 3,000 square feet, the new location is larger than the original space. Kimberly Summers is the owner and senior piercer of the company. Effective Leadership 360 has opened in Hampton Roads to provide leadership development, employee training, sales training and hiring tools to support local companies. Effective Leadership 360 is one of about 500 worldwide strategic partners with 360 Solutions based in Waco, Texas. For information, visit www. EffectiveLeadership360.com or call Bob Tietjen at 497-1581. JASE Group LLC, a business software company based in Norfolk, has opened a health care division that provides

electronic patient records software and marketing services to the medical industry. JASE EPR provides 24/7 access to electronic patient records through a web-based cloud system. JASE Healthcare Websites provides creative templates, a content manager and powerful application plugins, according to a company website. To learn more, visit http:// jaseepr and http://healthcare websites.jaseepr.com. In late April, Bon Secours Mary Immaculate Hospital in Newport News launched an integrated clinical information system. ConnectCare enables health care providers to access a patient’s medical data in a single

The Department of Housing and Urban Development recently awarded the Southeastern Virginia Homeless Coalition, a recently merged coalition from Norfolk, Chesapeake and Western Hampton Roads, new units of permanent supportive housing for families and single adults. The award allows the nonprofit ForKids to expand the housing program for families into Western Hampton Roads with five units. Norfolk’s My Own Place Housing First program, operated by Virginia Supportive Housing, will go regional with 18 new units, 10 of which are for Norfolk’s chronically homeless single adults. The annual 2012 Point in Time Count of Homelessness showed a 4 percent increase in the homeless population in Norfolk.

Events For the 11th year, Norfolk Fest–events and the Virginia Arts Festival will partner to produce the Virginia Beer Festival. The event will take place at Norfolk’s Town Point Park on Saturday, May 19, from 2 to 6 p.m. The cost for beertasters, 21 and above, is $25 in advance, » CONTINUED ON NEXT PAGE

40 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

DATA | continued

PIE CONTEST FOR A GOOD CAUSE The Newport News campuses of ECPI University and its School of Health Sciences, Medical Careers Institute, raised more than $3,500 at a Pie-in-the-Face Contest and Raffle on April 19 to support the Muscular Dystrophy Association. That brought the five-year total to more than $15,000. The school also supplies MDA summer camps with physical therapy assistant volunteers.

» CONTINUED FROM PREVIOUS PAGE

$30 on the day of. The cost for nontasters, 15 and above, is $15. For tickets and other information, call 282-2822 or visit www.vafest.org. Tables must be reserved by May 14.

Awards & honors The ANCOR Foundation, a professional service provider association for people with disabilities, selected Hope House Foundation as the 2012 Service Provider of the Year. The organization sponsors the annual Community Builder Awards as part of its mission to improve the quality of life for people with disabilities. The awards recognize exemplary initiatives of individuals, communities and organizations that create community inclusivity for people with disabilities. Criteria are based on achievement in three areas – best practices, community focus and partnerships. Hope House closed its group homes in the 1980s and has a successful history of transitioning people with intellectual and developmental disabilities from institutions and other group settings into their own homes. A report shared with ANCOR Foundation said that 70 percent of those served by Hope House have achieved significant outcomes through its community support program. Right now Hope House serves 120 people in Norfolk, Portsmouth, Chesapeake and Virginia Beach. Clark Nexsen, an architecture and engineering firm headquartered in Norfolk, announced that the firm has been named one of the Top National Design Firms on the Engineering News Record Top 500 Design Firms List. It was also ranked on the Top 100 Green Design Firms List. Clark Nexsen was ranked No. 132 among the top design firms, up 25 points

from the previous year. ENR ranks the largest firms by their annual revenue in a variety of market sectors. The firm held steady in its No. 30 spot on the Top 100 Green Design Firms list. ENR produces the list based on the volume of sustainable and green projects firms have worked on. The city of Virginia Beach announced that the Virginia Beach Human Services building, at 3432 Virginia Beach Blvd., has earned the EPA’s Energy Star certification. This distinction requires that the building perform in the top 25 percent of similar facilities nationwide for energy efficiency and meet performance levels set by the EPA. The city made the following upgrades to the 15-year-old building: HVAC control improvements; ceiling and wall occupancy sensors; occupancy sensors on vending machines; and replacement of about 390 computers and replacement of all old cathode ray tube computer monitors with energysaving liquid crystal diode. The retrofits represent an energy reduction of about 32 percent, with an expected savings of more than $25,000 annually. This is the eighth city of Virginia Beach Energy Star-certified building. Others include six schools and the Visitor Information Center. The Darden School of Business at the University of Virginia is launching its third annual Tayloe Murphy Resilience Awards competition. Darden is accepting applications and recommendations at www.resilienceawards.org through July 2. Two of last year’s winners were Melfabased Blue Crab Bay Co. and Franklinbased Highground Services, a consulting and engineering firm. The awards honor and support Virginia entrepreneurial businesses that demonstrate sustained vitality and

THEY DIDN’T LAY AN EGG Newport News Shipbuilding, a division of Huntington Ingalls Industries, partnered with Newport News Public Schools last month to host the first Egg Drop Engineering Competition for middle and high school students. The event was sponsored by the NNS Career pathways program. Here, Huntington Middle School students, left to right, Reality Richardson, Brynne Hunter, AmilRiyana Jacobs and Lynetta Haskett work on their strategy, which proved to be a winning one. They won the middle school category.

REGION TO GET A REALITY CHECK Urban Land Institute’s Reality Check will take place May 17 at the Ted Constant Center at ODU. Three hundred participants, seated at tables of 10, will determine guiding land-use principles for the region, using maps, Legos and string, and suggest where future job and population growth should take place. For more information, go to www.realitycheckhr.org.

commitment in areas characterized by high unemployment, widespread poverty and low entrepreneurial activity. This year’s competition emphasizes how Virginia’s most resilient businesses adapted to, and are helping their communities recover from, the economic collapse of 2008. Each year five award winners receive the recognition and resources to help their company and community grow and succeed. This includes media coverage, opportunities to engage business and government leaders, and enrollment in a

week-long course at Darden’s Executive Education program. Cities in the region where businesses qualify based on rates of unemployment, poverty and self-employment include Franklin, Hampton, Newport News, Norfolk, Portsmouth and Williamsburg. Counties in the region that qualify include Accomack, Greensville, Southampton and Sussex. For more information, contact Chris Allerton at (4334) 979-2678 or email callerton@ivygroup.com.

HOW TO SUBMIT ITEMS DATA is your business-community bulletin board. We will publish items as space permits. Visit us at www.insidebiz.com. Send items to Inside Business, 150 W. Brambleton Ave., Norfolk, VA 23510 or inside.business@insidebiz.com.

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 41

CALeNDAR MAY 7 MONDAY

Center, 600 Butler Farm Road, Hampton. Cost is $20 pre-registration or $25 at the door. Register at www. hrsbdc.org or contact Farley John at 865-3128 or email johnf@tncc.edu.

Peninsula Women’s Network Lunch from 11:30 a.m. to 1 p.m. at Thai Erawan, 2900-Q Hampton Hwy., Yorktown. Participants pay for lunch. Contact Julie Butts at 3775207 or email julie.butts@ minipricestorage.com.

Hampton Roads Green Building Council holds its “Learning Series Event: Rainwater Harvesting for WE Credits” from noon to 1:30 p.m. at Damuth Trane, 1100 Cavalier Blvd., Chesapeake. Cost is $20 for members, $35 for nonmembers and $40 for walk-ins. Contact Donna Wilgus at admin@hrgbc.org.

MAY 8 TUESDAY “Norfolk Chamber ConnectMembers Only Networking Event” presented by Hampton Roads Chamber of Commerce from 8:30 to 9:30 a.m. at Hampton Roads Chamber of Commerce, 500 East Main St., Suite 700, Norfolk. No cost. Call 622-2312 or visit events. hamptonroadschamber.com. “Suffolk State of the City” presented by Hampton Roads Chamber of Commerce at 11:30 a.m. at Hilton Garden Inn Suffolk Riverfront Hotel & Conference Center, 100 E. Constance Road. Cost is $45 for members and $65 for nonmembers. For more info, visit events. hamptonroadschamber.com.

MAY 9 WEDNESDAY “Educational Roundtable: Portsmouth/Chesapeake” presented by Retail Alliance from 8:30 to 9:30 a.m. at Bangkok Garden, 5774 Churchland Blvd. No cost. Contact Sarah Kingsley at 455-9324 or email skingsley@ retail-alliance.com. Virginia Beach Parks & Recreation presents “Landscape Management Vendor Open House” from 10 a.m. to noon to learn how to navigate through the city’s procurement process and what you need to become a contractor for the organization. Call 385-1100 or visit VBgov.com/parks. Hampton Roads Traffic Club meets at 5:30 p.m. at Holiday Inn Greenwich Road in Virginia Beach. Contact Dana Baughman at 423-3655 or email danaecs.verizon.net. Visit hamptonroadstrafficclub.org.

MAY 10 THURSDAY Hampton Roads Chamber of Commerce present “Business Education Series: Put the Mmmm Back in Marketing”

MAY 16 WEDNESDAY PHOTO CREDIT

CIVIL WAR AUTHOR TO SPEAK Fort Monroe in Hampton will host New York Times best-selling author Adam Goodheart on Thursday, May 24, at 7 p.m. in its 400-seat historic theater at 42 Tidball Road, for an informal discussion on the Civil War. Goodheart wrote “1861: The Civil War Awakening.” Don Roberts, WAVY TV 10 morning news anchor and author, will host Goodheart in an interview format. For more information, contact Phyllis Terrell at 251-2754 or email PTerrell@fmauthority.com.

from 7:45 to 10 a.m. at Hampton Roads Chamber of Commerce, 500 East Main St., Suite 700, Norfolk. Cost is $15 for members and $45 for nonmembers. Call 622-2312 or visit events. hamptonroadschamber.com. “Educational Roundtable: Suffolk” presented by Retail Alliance from 8:30 to 9:30 a.m. at Array, 700 W. Washington St. No cost. Contact Sarah Kingsley at 455-9324 or email skingsley@ retail-alliance.com. Hampton Roads Society for Human Resource Management holds its May program from 11:30 a.m. to 1 p.m. at Holiday Inn Virginia Beach-Norfolk, 5655 Greenwich Road. HR professional, CEO and consultant Betty Shotton will speak about leadership. Cost is $30 for members, $35 for nonmembers and $20 for students members of SHRM. Contact Bill Heisler at 846-4203, email dirpublicity@ hrshrm.org or visit www. hrshrm.org. “Build the Sales Organization that Would Put Yours Out of Business” presented by The Van Syckle Group from 11:45 a.m. to 2 p.m. at Taylor Executive Center, 7421 Central Business Park Drive, Suite 105A, Norfolk

Call 737-8587 or visit www. vansycklegroup.com. Hampton Roads Gift Planning Council holds its seminar and networking reception on “Trends in Giving” from 4 to 6 p.m. at Cavalier Golf and Yacht Club, 1052 Cardinal Road, Virginia Beach. There is no cost for members and $35 for nonmembers. Contact Sandi Ayres at sayres@ hrgpc.org.

MAY 12 SATURDAY The 8th Annual Rotary Rumble, sponsored by the Great Bridge Rotary Club and The Castaways Riding Club,will be held at 8 a.m. The ride will start at Bayside Harley in Portsmouth and end at the Lazy Horse Saloon in Chesapeake. Contact Paul Schmidt at 376-1468 or visit www.greatbridgerotary.org. Small Business Development Center of Hampton Roads presents “Owning Your Own Business” from 9 a.m. to noon at Hampton Roads Chamber of Commerce, 500 East Main St., Suite 700, Norfolk. Cost is $20. Call 622-2312 or visit events. hamptonroadschamber.com. Military Transition Workshop “Getting Out? Now What?”

takes place from 11:30 a.m. to 4:30 p.m. at Virginia Beach Central Library, 4100 Virginia Beach Blvd. Cost is $10 for individual registrant and $15 for two registrants. Preregister at www.hrshrm.org.

MAY 14 MONDAY JMU Hampton Roads Duke Club presents Robert E. Plecker Memorial Golf Tournament at Heron Ridge Golf Club. Cost is $100 per person; $400 per team. Lunch and beer will be provided. Contact Cameron Miller at 446-4007 or email cameron.miller@ml.com. Hampton Roads Chamber of Commerce presents A Conversation with Congressman Scott Rigell at noon at Sheraton Virginia Beach Ocean Front, 3501 Atlantic Ave., Virginia Beach. Cost is $35 for members and $50 for nonmembers. Call 622-2312 or visit events. hamptonroadschamber.com.

MAY 15 TUESDAY Hampton Roads Small Business Development Center presents “Growing Your Business: Basic Requirements to Developing a Website” from 9 a.m. to noon at Peninsula Workforce Development

“Educational Roundtable: Williamsburg” presented by Retail Alliance from 8:30 to 9:30 a.m. at Town Management, 4801 Courthouse St., Suite 128. Topic is mobile payments. Contact Sarah Kingsley at 455-9324 or email skingsley@ retail-alliance.com. National Association of Women Business Owners holds its meeting from 5:30 to 8 p.m. at Town Point Club, 101 W. Main St., Norfolk. For more info, contact Maggie Ruch at 582-2502, email maggie@ nawboseva.org or visit nawboseva.org.

MAY 16 & 19 WED & SAT Workshop for those interested in working with individuals with disabilities hosted by The Virginia Beach Human Services Department on May 16 from 6:30 to 9 p.m. and May 19 from 10 a.m. to noon at Bow Creek Recreation Center, 3425 Clubhouse Road, Virginia Beach. Call Cynthia Buckler at 385-0602 by May 14.

MAY 17 THURSDAY The Isle of Wight-SmithfieldWindsor Chamber of Commerce announces a representative from the Small Business Development Center of Hampton Roads will meet with business owners and prospective business owners on a oneon-one basis at the Chamber of Commerce office. Contact Lori White at 357-3502.

» CONTINUED ON NEXT PAGE

HOW TO SUBMIT ITEMS Calendar is a listing of events in the business community. We will publish items as space permits. Visit us at www.insidebiz.com. Send items to Inside Business, 150 W. Brambleton Ave., Norfolk, VA 23510 or inside.business@insidebiz.com.

42 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

CALeNDAR | continued MAY 31 THURSDAY

» FROM PREVIOUS PAGE

“How to Win DoD SBIR/STTR Awards” presented by Technology Hampton Roads from 8:30 a.m. to 5:30 p.m. at Ramada on the Beach, 615 Atlantic Ave., Virginia Beach. Cost is $90 per person for Virginia based technology firms and $175 per person for non-Virginia based technology firms. Contact Robert Brooke at robert. brooke@cit.org. Women’s Transportation Seminar’s Second Annual Transportation Reception takes place from 6 to 8 p.m. at the Town Point Club in downtown Norfolk’s World Trade Center. Speakers Sean T. Connaughton, Virginia’s secretary of transportation, and Greg A. Whirley, Virginia commissioner of transportation, will address transportation in Hampton Roads. There will be a silent auction to benefit the WTS Scholarship Fund. Contact Claudette Twichell at claudette@solsticeenv.com. Children’s Harbor hosts the “11th Annual Safe Harbor Awards & Silent Auction” at 6 p.m. at Norfolk Plaza Hotel. Cost is $50. Contact Sandra Norfleet at 397-2981 or email sandra@childrensharbor.cc. Dale Carnegie’s 100th Anniversary Workshop “How to Win Friends and Influence People in the Digital Age” held from 6:30 to 7:30 p.m. at Mount Trashmore Family YMCA, 4441 South Blvd., Virginia Beach. Contact Paul Ariola at 490-1611.

“Selling for Results” presented by The Van Syckle Group from 8:15 to 10:30 a.m. at Taylor Executive Center, 7421 Central Business Park Drive, Suite 105A, Norfolk. Call 737-8587 or visit www. vansycklegroup.com.

JUNE 5 & 6 TUES & WED The 4th Annual Historic Triangle Conference Crimes Against Women will be held at Crown Plaza in Williamsburg. Cost is $95. For more info and to register, visit http://www. yorkcounty.gov/Default. aspx?tabid=7514. COURTESY PHOTO

DOG SHOW IS BACK The Virginia Memorial Day Cluster All-Breed Dog Show returns to the Hampton Roads Convention Center May 25-28. Event includes obedience trials, AKC Rally, vendors and more. For more info, call 775-5144 or visit www.langleykennelclub.org or www.gloucesterkennelclub.com.

Dream Catcher’s at the Cori Sikich Therapeutic Riding Center in Williamsburg will host its annual “Bridles & Bow Ties” fundraiser at 5:30 p.m. and will include a riding demonstration, seated dinner by The Catering Co. and live auction. Tickets are $100 and can be purchased online at www. dreamcatcherswilliamsburg. org. Call 566-1775. “Retailer of the Year” presented by Retail Alliance from 6:30 to 10 p.m. at the Wells Theater, Norfolk. Contact Sarah Kingsley at 455-9324 or email skingsley@retailalliance.com.

MAY 18 FRIDAY

MAY 19 & 20 SAT & SUN

National Speakers Association of Virginia presents “Negotiate and Read Body Language: How to Negotiate to Get What You Want” from 8 a.m. to noon at Crowne Plaza Williamsburg at Fort Magruder, 6945 Pocahontas Trail, Williamsburg. Visit www.nsavirginia.org.

2nd Annual Run for the Dream held in Colonial Williamsburg. Proceeds support Achievable Dream and Wounded Warriors. Registration is $50. Visit www.runforachievabledream. com.

MAY 19 SATURDAY Jefferson Lab holds open house from 9 a.m. to 3 p.m. at Department of Energy’s Jefferson Lab in Newport News. Free admission and parking. For more info, visit https://www.jlab.org/ openhouse or call 269-7100. “11th Annual Virginia Beer Festival” presented by Norfolk Festevents and Virginia Arts Festival from 2 to 6 p.m. at Norfolk’s Town Point in downtown Norfolk. For more info, visit www. festevents.org.

Hope House Foundation presents 28th Annual Stockley Garden Springs Art Festival on May 19 from 10 a.m. to 6 p.m. and May 20 from noon to 6 p.m. The park is located on the corner of Stockley Gardens and Olney Road in Norfolk. For more info visit, www. stockleygardens.com.

MAY 22 TUESDAY Go Red for Women Executive Breakfast, a morning of networking, education and awareness on behalf of the American Heart Association, takes place from 8 to 9:30 a.m. at The Westin Virginia Beach Town Center, 4535

Commerce St., Virginia Beach. RSVP by May 15 for this complimentary event. Call 628-2610 or email Julie. Owen@heart.org. “Educational Roundtable: Hampton” presented by Retail Alliance from 8:30 to 9:30 a.m. at Virginia Company Bank, 2198 Coliseum Drive. Topic is credit card processing. Contact Sarah Kingsley at 455-9324 or email skingsley@ retail-alliance.com. “Loss Prevention Luncheon” presented by Retail Alliance from 11:30 a.m. to 1 p.m. at Retail Alliance office, 838 Granby St., Norfolk. Contact Sarah Kingsley at 455-9324 or email skingsley@retailalliance.com. 2012 Hampton Roads Chamber Small Business of the Year Award will be held from noon to 2 p.m. at the Founders Inn & Spa, 5641 Indian River Road, Virginia Beach. To register for the luncheon, visit events. hamptonroadschamber.com or call 622-2312. “Test Drive Sales Class” presented by The Van Syckle Group from 4:45 to 7 p.m. at Taylor Executive Center, 7421 Central Business Park Drive, Suite 105A, Norfolk. Cost is $39 before May 8th. Call 737-8587 or visit www. vansycklegroup.com.

MAY 23 WEDNESDAY Hampton Roads PRSA Pinnacle Awards luncheon takes place from 11:30 a.m. to 1:30 p.m. at Town Center City Club, Virginia Beach. Cost is $35 for members and $45 for nonmembers. Register at

www.prsahr.org. The Isle of Wight-SmithfieldWindsor Chamber of Commerce holds its “Business After Hours” networking event from 5:30 to 7 p.m. at Bridgewater at Eagle Harbor, 1503 Broad Water Arch, Carrollton. No fee and open to nonmembers. Call 357-3502 or email chamber@theisle. org.

MAY 24 THURSDAY “Educational Roundtable: Virginia Beach” presented by Retail Alliance from 8:30 to 9:30 a.m. at The Full Cup, 1860 Laskin Road. Topic is business insurance. Contact Sarah Kingsley at 455-9324 or email skingsley@retailalliance.com. Hampton Roads Small Business Development Center presents “Social Media and Your Business Growth” from 9 a.m. to noon at Peninsula Workforce Development Center, 600 Butler Farm Road, Hampton. Cost is $20 pre-registration or $25 at the door. Register at www. hrsbdc.org or contact Farley John at 865-3128 or email johnf@tncc.edu.

MAY 25 FRIDAY Senior Services of Southeastern Virginia hosts “New to Medicare” informational and assistance session from 1 to 3 p.m. at Senior Services of Southeastern Virginia Education Center, 6350 Center Drive, Building 5, Room 115, Norfolk. Contact Jim Hutchinson or Marcellus Heath at 461-9481.

JUNE 7, 14, 21 & 28 THURSDAY Hampton Roads Small Business Development Center presents “Government Contacting Series” from 9 a.m. to noon at Peninsula Workforce Development Center, 600 Butler Farm Road, Hampton. The cost of the SWAM workshop on June 7th is $20. Each other workshop are $20. Register at www.hrsbdc.org or contact Farley John at 865-3128 or email johnf@tncc.edu.

JUNE 16 SATURDAY Senior Services of Southeastern Virginia hosts “New to Medicare” informational and assistance session from 9 to 11 a.m. at Senior Services of Southeastern Virginia Education Center, 6350 Center Drive, Building 5, Room 115, Norfolk. Contact Jim Hutchinson or Marcellus Heath at 461-9481.

JUNE 28 THURSDAY LEAD Hampton Roads presents “Conversations with Leaders” featuring Teresa Sullivan, president of University of Virginia at 7:45 a.m. at Town Point Club. Cost is $20 for LHR alumni member, $25 for LHR graduate and $30 for LHR guest. Call 664-2516.

JULY 20 FRIDAY Senior Services of Southeastern Virginia hosts “New to Medicare” informational and assistance session from 9 to 11 a.m. at Senior Services of Southeastern Virginia Education Center, 6350 Center Drive, Building 5, Room 115, Norfolk. Contact Jim Hutchinson or Marcellus Heath at 461-9481.

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 43

PeOPLe CHANGeS Academics Felicia Blow APR has been named vice president for institutional advancement for Paul D. Camp Community College in Franklin. Prior to joining the school, Blow worked at the Southeastern Public Service Authority for Blow nearly 19 years. She was director of public relations and marketing. More recently, she was director of public affairs at Cox Communications. Her knowledge and experience include the following areas: philanthropy and development; media relations; environmental education; crisis response and communications; strategic planning; employee communications; community engagement; social media; and events management. Blow has served with several organizations including FranklinSouthampton Economic Development Inc.; National Public Relations Society of America’s Audit Committee; Urban League of Greater Hampton Roads Board of Directors; USO of Hampton Roads and Central Virginia Board of Directors; and Virginia Peninsula Chamber of Commerce Board of Directors. In addition, she is past chair and former member of the PDCCC Local College Board. Blow also has completed training and certifications from the Cox Communications Executive Foundation Leadership Program; Leading, Education and Development (LEAD) program at the Weldon Cooper Center for Public Service at University of Virginia; the Leadership Hampton Roads Program at the Hampton Roads Chamber of Commerce; and she received her accreditation in public relations certification from PRSA. Blow graduated with a bachelor’s degree in mass media arts from Hampton University. She graduated with a master’s degree in business administration from Strayer University.

Opera Peter Mark, former artistic director of the Virginia Opera, has been named artistic director emeritus of the company. Mark served as artistic director, music director and principal conductor of Virginia Opera from 1975, shortly following

Town Center of Virginia Beach. Peggy Hernandez was made assistant property manager at the Washington, D.C., office.

Awards & honors John Edwards, editor and publisher of The Smithfield Times, has been named the winner of the Virginia Press Association’s 25th annual D. Lathan Mims Award for Editorial Leadership in the Community. Edwards has won the Mims award four times.

Virginia Opera’s founding, until November 2010. He also served as the opera’s first general director from 1975 until 2000.

Architecture & engineering Ashley Van Hoose has been promoted to director of business development and marketing at WPL Site Design. Van Hoose previously was marketing coordinator at the Virginia Beach-based firm. She has seven years of marVan Hoose keting and advertising experience with specialties in business development, social media management, project coordination, and client relations.

Technology Frank Byrum has been named chief technology officer of The BOSH Group in Newport News. Byrum will leverage his career in technology development and software engineering to formulate and oversee implementation Byrum of TBG’s longterm technological strategy as markets for unmanned system technology expand. Syntactical of Norfolk made the following announcements: Kelley Matthews has been appointed technical lead for the Enterprise Performance Management business intelligence project with the U.S. Navy. Matthews has more than 20 years of experience in architecture and projMatthews ect management, and has worked on previous business intelligence projects with her former employers such as Oracle, Capital One Financial, and Dataline. Iz’ya Yusufov has been appointed the database and Cognos developer on the EPM business intelligence project with the Navy. An ASP.NET, SQL server and certified

Yusufov

Bowman

Cognos author, Yusufov has more than 15 years of experience working on transactional and web-based solutions. Jonathan Bowman has been appointed the User Experience Designer for the EPM business intelligence project with the Navy, as well as for independent products marketed by the company. Bowman has more than 11 years of design experience in graphic design, conceptualization, branding and identity.

Advertising & marketing Svetlana Gotra, graphic designer, has joined the art department at Howell Creative Group in Williamsburg. Gotra, originally from Russia, holds a degree in visual communication from Northern Illinois University. Gotra

Real estate Divaris Real Estate Inc. made the following announcements: Eric Bucklew was promoted to the position of vice president in the Virginia Beach headquarters of DRE. Bucklew is a general broker for the company throughout Hampton Roads and Florida. Krista Costa was promoted to the position of vice president in the Virginia Beach headquarters. Costa handles corporate services accounts throughout North America. Erica Meekins was promoted to the position of vice president in the Virginia Beach headquarters. Meekins specializes in pre-development and leasing services for mixed-use and lifestyle projects nationwide. Carlotta Lilly was named property manager for Town Center of Virginia Beach. Melody Almonte was promoted to assistant property manager for

Darren Schultz, president of Copico in Suffolk, received the top management award from CPrint International as the printer who demonstrated the most significant positive changes in their company over the past six months. The Downtown Norfolk Council announced award recipients for 2012: Randy Wright, former city councilman, has been named 2012 Downtowner of the Year. Wright was the architect or strong supporter of several programs that have made a positive impact on downtown. He was instrumental in the city of Norfolk adopting a tax abatement program for older properties citywide and this program has been used extensively in downtown. In addition, Wright was instrumental in bringing the USS Wisconsin to downtown Norfolk. He has been a strong supporter of MacArthur Center and the Special Services District and has been the champion for the highly successful Tide light rail system. Thom White of Work Program Architects received the 2012 Roy Badgley Distinguished Service Award. White has donated hours of professional services to help bring The Plot to reality. Dr. John Harrington, a pediatrician and director of CHKD’s General Academic Pediatrics, has been named a Centers for Disease Control Champion for his efforts to promote vaccination. The Harrington award recognizes Harrington’s efforts as “going above and beyond to promote or foster childhood immunizations” in his community. Harrington, who is also an associate professor at Eastern Virginia Medical School, notes that General Academic Pediatrics stresses to future pediatricians, pediatric residents and medical students the importance of immunizations. He recently conducted research, published in Pediatrics, on ways to reduce the pain of immunization. In his role, Harrington makes a special effort to emphasize to parents that there is no evidence that immunizations can cause autism.

HOW TO SUBMIT ITEMS PEOPLE CHANGES is a bulletin of promotions and career advancement. Submit important news involving the people who run your business or organization to Inside Business, 150 W. Brambleton Ave., Norfolk, VA 23510 or inside.business@insidebiz.com.

44 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

PUBLIC ReCORDS NEW CORPORATIONS Chesapeake

Hampton

Aries Transport Service Inc. Steve Johnson 310 Fairfax Terrace Chesapeake 23320

Data-Tronix Inc. Marvin Jackson 406 Aberdeen Road Hampton 23661

Bayside Financial Group Inc. Robert Messer 305 Croft Crossing Chesapeake 23320

DCC Millenium Holdings Inc. Jacqueline Davis Clairborne 51 Rotherham Lane Hampton 23666

Denbren Trucking Co. Inc. Dennis Fleming 1128 Ivystone Square, #A Chesapeake 23320

MKS CPA Inc. Stephen L. Grobel 122 E. Pembroke Ave. Hampton 23669

Express Lawn Care Service Inc. Sandy L. Smith 536 Longdale Crescent Chesapeake 23325

New China Hampton Inc. Qing Chen 69 N. Mallory St. Hampton 23663

Headway Handyman Services Inc. Tony D. Tyler 1069 Kempsville Road Chesapeake 23320 Knuckles ‘N’ Knots Massage Inc. Lisa Denae Cassidy 1580 Crossways Blvd., Suite 104 Chesapeake 23320 MCRCMP Inc. Carol Gene McCann 703 Winston Terrace Chesapeake 23323 Revelations Church Jonathan R. Cash 72 Pebble Quay Chesapeake 23320

Gloucester C & C Exhaust & Auto Repair Inc. David R. Conner 4618 Hermitage Lane Gloucester 23061

Om Sai Nath Inc. Alkaben Patel 11 Kilverstone Way Hampton 23669

Newport News Oriental Spa Inc. Jainbo Zhen 1405 Kiln Creek Pkwy., #H Newport News 23302 V.A. Fish S. Corp. Hye Mi Lee 14353 Warwick Blvd. Newport News 23602 1st Virginia Property Management Inc. James R. Corbett 606 A Thimble Shoals Blvd., Suite 3 Newport News 23606 1st Virginia Commerical Inc. James R. Corbett 606 A Thimble Shoals Blvd., Suite 3 Newport News 23606

1st Virginia Auctioneers Inc. James R. Corbett 606 A Thimble Shoals Blvd., Suite 3 Newport News 23606 1st Virginia Realtors Inc. James R. Corbett 606 A Thimble Shoals Blvd., Suite 3 Newport News 23606

Norfolk Associates in Facilities Products Inc. J. Jeffrey Tinkham 500 East Main St., Suite 1210 Norfolk 23510 Bike Norfolk Inc. Brian Wilson 328 Fairfax Ave. Norfolk 23507 Boogie Man Express Inc. Jeremy Wilkins 818 East 29th St. Norfolk 23504 Celebrity Cycling Daniel Netzer 3811 Columbus Ave. Norfolk 23504 CNC East Inc. Charles W. Best III P.O. Box 3397 Norfolk 23514 Cook Enterprise Inc. Cecil Cook 3358 Military Hwy. Norfolk 23518 Free at Last Ministries Inc. Brenda Floyd 1420 Gabriel Drive Norfolk 23502 Invinceable Adams Inc. Vincent Adams 5601 E. Virginia Beach Blvd. Norfolk 23502

Kodiak Ventures Inc. Randy Schonk 3675 Foxwell Drive Norfolk 23502 Lundberg Inc. Michael B. Hamar 520 W. 21st St., Suite J Norfolk 23517 Pearlmond Corp. Yong Hwan Yi 421 Bank St., #306D Norfolk 23510 Suntat Inc. Normida R. Meredith 2132 Barbara Drive Norfolk 23518 Sam Whiskey Manager Corp. Howard E. Gordon 1700 Dominion Tower Norfolk 23510 The Kelly Valentine Memorial Fund Richard C. Mapp III 150 W. Main St., Suite 2100 Norfolk 23514

Portsmouth Johnathan David Inc. David L. Hutercherson 3613 Greenwood Drive Portsmouth 23701 Lea Entertainment Corp. Larry Eugene Askew 5 Belafonte Court Portsmouth 23701 3 Diseases Project Inc. Barbara Tuck Lovell 253 Hatton St. Portsmouth 23704

Suffolk Nansemond River Pony Baseball League Inc. Myra McCarthy 120 Brittany Lane Suffolk 23435

Plaid Hatter Inc. Jeanette L. Ojeda 705 W. Washington St. Suffolk 23434

Virginia Beach All About Kids Thrift Store Inc. Justina Renea Green 700 Hampshire Place, #203 Virginia Beach 23462 AVM Group Inc. Valerie L. Holzshu 956 Iron Bridge Drive, Virginia Beach 23462 Bare Creek Contracting Inc. James W. Farrington 3629 Royal Palm Arch Virginia Beach 23452 Brown Dog Ventures Inc. Northwest Registered Agent LLC 4445 Corporation Lane, Suite 264 Virginia Beach 23462 Chemoil Global Marine Inc. Klaus-Werner Damm 760 Lynnhaven Pkwy., Suite 140 Virginia Beach 23452 Cliff’s Cargo Carriers Inc. Clifton Lovell Howell 5908 Thurston Ave. Virginia Beach 23455 Condo Plex Inc. Larry R. Hale 3213 Ashaway Road Virginia Beach 23452 Concrete Dean and Co. Dean A. Dayton Jr. 213 Paladin Drive Virginia Beach 23452 Drescher-Speckhart PC Cullen Ann Drescher Speckhart 1208 Smith Cove Circle

Virginia Beach 23455 DL Living Inc. Leighton Oteni Thompson 705 Wagons Way Virginia Beach 23462 E-N-E Photography Inc. Erin Clark 1005 Alcon Court Virginia Beach 23456 Environmental Building Services Inc. Tim Harrell 3322 Diana Lee Court Virginia Beach 23452 Force Congress to Balance the Budget Inc. Charles D. Pittman Jr. & Associates PC 712 Hillingdon Court Virginia Beach 23462 Growing Essentials Preschool Kevin Boddie 600 Independence Blvd. Virginia Beach 23452 Heather Berlin Richardson PC John W. Richardson 2101 Parks Ave., Suite 700 Virginia Beach 23451 James Davis Ministries Earle H. Davis 5477 Clubhead Road Virginia Beach 23455 Manila Bay Restaurant Lounge Inc. Marie C. Stewart 4221 Pleasant Valley Road, #122 Virginia Beach 23464 Masters Cleaning Inc. Mikhail Savin 4129 Laurel Green Circle Virginia Beach 23456 MTB Cancer Foundation Inc. Charles D. Pittman Jr. & Associates PC 712 Hillingdon Court Virginia Beach 23462

Neurowaves Balanced Brain Center Inc. Lesa Leiden 762 Independence Blvd., Suite 100C Virginia Beach 23455 Paternity Lab Center Inc. Kip Charles 4445 Corporation Lane, Suite 262 Virginia Beach 23462 Pony Trucking Co. Inc. Ponciano Mendoza 1813 Clearbrook Lane Virginia Beach 23464 Rycor Inc. Harry W. Jernigan III 258 N. Witchduck Road, Suite C Virginia Beach 23462

Smith-Gray Electric Co. Northwest Registered Agent LLC 4445 Corporation Lane, Suite 264 Virginia Beach 23462

Williamsburg American Treatment Center Richard A. Campana 312 Second St. Williamsburg 23185 Business Development Group Inc. Mark E. Gottfried 109 William Clairborne Williamsburg 23185

Sisters Sowing Seeds Rosena T. Johnson 3829 River Oak Circle Virginia Beach 23456

M & M Pond and Garden Inc. J. Stephen Roberts Sr. 905 Richmond Road Williamsburg 23185

Smith Masonry Inc. Pamela Smith 1713 Creekstone Court Virginia Beach 23456

Yorktown

Springer Security Inc. Ian Springer 2321 Purple Martin Lane Virginia Beach 23455 Tapatio Great Neck Inc. Jose Ledezma 2217 Vadito Way Virginia Beach 23456 We Scoop-N-Walk Foundation Inc. Christopher L. Graff 4912 Athens Blvd. Virginia Beach 23455 3 G Construction Inc. Michael Wayne Price 780 Lynnhaven Pkwy., Suite 450 Virginia Beach 23452 PNI Group Inc. Corporate Creations Network Inc. 4445 Corporation Lane, 2nd Floor Virginia Beach 23462

Acumen Services Inc. Rebecca A. Dirmeyer 404 St. Clair Circle, #F Yorktown 23693 Eagles Wings Ministry of Faith Inc. Garcia R. Johnson 3301 Hampton Hwy., Suite F Yorktown 23693 MBST Inc. Anthony Duncan 100 Burnt Run Yorktown 23692 Yorktown Poquoson Truth Media Inc. Michael Bruce Ware 4000 George Washington Memorial Hwy. Yorktown 23692 – COMPILED BY LAKESHIA ARTIS

PATENTS Patent 8,155,794 System and method for control of aeroelasticity effects A system is provided for control of a structure immersed in a fluid flow regime. The system comprises a plurality of flow sensors disposed on a surface of the structure, the flow sensors including at least one flow bifurcation point sensor. The system further comprises at least one structural sensor attached to the structure for measurement of a structural parameter. A data processor in communication with the flow sensors and the at least one structural sensor is configured for processing the data signals and for generating and transmitting one or more actuator command signals to effect a desired flow and structural state for the structure. The system also comprises at least one actuator in communication with the data processor. Each of the at least one

actuator is configured for effecting, in response to an actuator command signal, one of the set consisting of a structural deformation in at least a portion of the structure, a change in configuration of a control surface of the structure and an operational change in a flow control device embedded in the structure.

which are less than 2 nm thick. The carbon nanoflakes may be made using RF-PECVD. Carbon nanoflakes may be useful as field emitters, for hydrogen storage applications, for sensors, and as catalyst supports.

Inventors Arun S. Mangalam (Williamsburg), Siva M. Mangalam (Williamsburg)

Inventors Jianjun Wang (Williamsburg), Mingyao Zhu (Williamsburg), Brian C. Holloway (Williamsburg), Ronald A. Outlaw (Williamsburg), Dennis M. Manos (Williamsburg), Xin Zhao (Williamsburg)

Assignee Tao of Systems Integration, Inc. (Hampton)

Assignee College of William and Mary (Williamsburg)

Patent 8,153,240

Patent 8,153,406

Carbon nanostructures and methods of making and using the same Carbon nanoflakes, methods of making the nanoflakes and applications of the carbon nanoflakes are provided. In some embodiments, the carbon nanoflakes are carbon nanosheets,

Microorganism A microorganism which is Rhodococcus rhodochrous strain NCIMB 41164 or a mutant thereof. A method of culturing the microorganism in a culture medium comprising urea or urea derivative is claimed. A nitrile hydratase obtainable

from the microorganism is claimed. Also claimed is a process of preparing an amide from the corresponding nitrile wherein the nitrile is subjected to a hydration reaction in an aqueous medium in the presence of a biocatalyst selected from the group consisting of a microorganism which is a Rhodococcus rhodochrous strain NCIMB 41164, a mutant thereof and a nitrile hydratase obtainable from Rhodococcus rhodochrous strain NCIMB 41164 or a mutant thereof. Also claimed is a method of storing the Rhodococcus rhodochrous NCIMB 41164. Inventors Jonathan Hughes (Huddersfield, Great Britain), Yvonne Armitage (Holmfirth, Great Britain), Jatinder Kullar (Bradford, Great Britain), Stuart Greenhalgh (Smithfield) Assignee Ciba Specialty Chemicals Water Treatments Ltd. (West Yorkshire, Bradford, Great Britain)

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 45

BANKRUPTCY FILINGS Filed in U.S. Bankruptcy Court March 24-April 20, 2012

Accomack County Trevor Lamont Brown and Lakeisa Bailey Brown Thomas C Pruitt Jr. Sheri Dunn Patricia A. Ayers Kishima Yasheka Johnson Barbara DiPaula

Gloucester County 7 7 7 7 7 7

Chesapeake Wendy B. Morris 7 Bronwyn Rose Turner 7 Michael James Hilton Jr. and Sheana Amanda Hilton 7 Sophia Leonie Bigbie 7 Faith Denita Peele 7 Kevin Anthony Hinton 7 Charline Vanessa Walton 7 David Allyn Sage Sr. and Norma Muriel Sage 7 Faye Lynette Miles McGrath 7 Shantell Shinell Russell 7 James Patrick Fultz and Angela Jayne Fultz 7 Caprice LaShay Copeland 7 Robin Gail Pendergrass 7 Lawrence C. Boor and Sandra J. Fletcher 7 Maxie Outen 7 Lovell Dominic Davis 7 Ronald Brian Kelch 7 Angela Simone Mitchell 7 Theresa Barbini Robinson 7 Ryan Christopher Poage 7 Frank Emilio Salabarria 7 Precious Putrice Kearney 7 Walter A. Ricks 7 Reaco Coley Boyd 7 Marcus Timothy Gregory Sr. and Veronica Diann Gregory 7 David Cary Johnson 7 Patricia Bennett 7 Shannon Lynn Vinson 7 Michael David Uncapher 7 Lynette Anita Snowden 7 Darvie Dawn Leao 7 Akira Shanai Bond 7 Albert Ray Rouson Jr. and Tonya De Neige Rouson 7 Lashelle Privott Welch 7 Amy Jones Mabe 7 Elaine Elizabeth Baugham 7 Christy Henry 7 Clyde William Price 7 Angel Michelle Burton 7 Katina Patrick 7 Matthew Strapko and Noelle Ostman 7 Patricia F. Thompson 7 John B. Fairchild Jr. and Karon M Fairchild 7 Jeannene L. Perry 7 Dimas Rodriguez Jr. 7 Michele L. Gordon 7 Donna Gale Foreman 7 Richard B. Hodge and Donna D. Hodge 7 Adam Mitchell Korab 7 Janice Mae Middleton 7 Geraldine W. Scott 7 Eric Jermaine Boddie 7 Lisa Jean Bridegam 7 James Dewey Asbury Jr. 7 Suzanne Pettyjohn Anderson 13 Keith Douglas Lawrence 13 Anthony Bruce Rodgers Sr. and Ada Darlene Rodgers 13 Andrew William Economou 13 Gerald Lamont Harrell 13 Willie James White Jr. and Christine Denise White 13 Dominic Clayton Goodwin and Melodie Ruffin Goodwin 13 Melissa Calvert Rodriguez 13 Thomas Lee Long Jr. and Kimberly Mary Long 13 Michelle L. Williams 13 Ruth Renee Bryant 13 Diana K. Howard 13 John Paul Trant and Becki Bryant Trant 13 Larry Thomas Whitt 13 Tamara Joyce Collins 13 Shakare Jammal Ancrum and Sharday Diana Ancrum 13 Mardyess Delano Mangham 13 Tony Maurice Davis 13 Ann Hopewell Heyer 13 Elise Gladys Horne 13 Tiffany J. Morrison 13 Kenneth Carl Dahlstrom and Cynthia Jane Dahlstrom 13 Mario Michael Bonello 13 William C. Foreman 13

Franklin

Kevin Michael Klewer and Michelle Diane Klewer 7 Terrance DaVonski Baker and Nickelle Sherise Russell-Baker 7 Henry Blunt 13

Allison R Reynolds 13 Kevin Paul Ayer and Katherine Jean Ayer 13

Montoya Ronsae Britt 7 Angela Dawn Hall 7 Paul Louis Knutson and Janiece Hudson Knutson 7 Christina Renee Peters 7 William B. Swindeck 7 Donna M. Lee 7 Jessica Jane Hogge 7 Evelyn Mae Anderson 7 Doreen Elizabeth Granniss 7 Contracting ASG LLC 7 Robin Ann Morgan 7 Robert Wayne Davis 7 Melissa Smith Peacock 7 John Richard Armstrong Jr. 13 Kenneth Lamar Marsh Jr. and Laura Anne Marsh 13 Daniel H. Gay Sr. 13 Concetta F. West 13 Kenneth Ray Smith and Bette Carol Smith 13

Hampton Charles M. Monroe III and Shamika D. Monroe 7 Gary Allen Custis and Shelly Edwards Custis 7 Cheryl Denise Anthony 7 Glen Alan Doyer Jr. 7 Wilbert Page Scott Jr. 7 T’Chaundryah Neyosha-denet Cooper 7 Michael C. Everitt 7 Nichole Anne Moore 7 William E. Liberty Jr. 7 Thomas Alexander Haynie and Kimberly Anne Haynie 7 Caroline Lorraine Cannon 7 Kim L. Charlote 7 Jeanette Lewis Robinson 7 Patricia Coleman 7 Julie Rosenda Evans 7 Linda Hamlett Cook 7 Elijah Jerel Deese 7 Jeffrey Wayne Grant and Kyla Downey Grant 7 Sherell Lorraine Brown-McIntosh 7 Nicole Faye Futrell 7 Mary Louise Brand 7 Moffitt Restoration Services Inc. 7 Jennifer Rebecca Johnson 7 Brandon D. McAllister and Cecilia Renee McAllister 7 Brandy Walden 7 Rhonda L. Harris-Hicks 7 Kenya Ratliff 7 Tracy Elizabeth Nelson 7 Darlene Rhames 7 Latisha Vernae Hall 7 Antonio D. Carson and Crystal L. Carson 7 Jacqueline Illawenette Slade 7 Amisha Sherri McNeill 7 Janice Marie Phelps 7 Lawrence Johnson and Linda Johnson 7 Alysia Antionette Claiborne 7 Shirelle E. Coleman 7 Michael J. Wenzel Jr. and Jessica L. GagnonWenzel 7 John Garrett Jr. and Tammie Justice 7 Maria Antionette Hawkins 13 Howard Ross Jones 13 Felicia Gaye King-Barnum 13 Arthur Dereck Bowens and Cindy Kay Bowens 13 Anthony Gerome Davis 13 Marilyn Langford 13 Alberto Arcia 13 Donald William Harden and Mary Katherine Harden 13 Marsha Natalee Gayle 13 Robert Anthony Camacho 13 Glenn Tracey Allen and Donna Marple Allen 13 Randy Todd Crowther and Patricia Stanbrook Crowther 13 Derrick Vernard Jones 13 Hilme S. Nous and Samira A. Nous 13 Danyelle Lassiter Saunders 13 Nichole Raynae Brantley 13 Judy Hamrick Ham 13 William R. Hutchinson 13 James Ray Church II and Tanya Renee Church 13 Lugene Marie McAlister 13 Percy Alfred Mason Jr. and Phyllis Rene’ Mason 13 Dorian G. Collins 13 Christine Marie Townes 13

Isle of Wight County James Cephas Harrison Jr. David Jamal Lewis John David McNamara Timothy Thomas Goetz Deborah Douglas

7 7 7 7 13

James City County Michael Frederick Bahner 7 Brownie Wayne Garrett IV and Vickie Lynn Garrett 7 Elaine Brennan-Carlton 7 Conor P. Taylor 7 William Francis Owens 7 Larry Raymond Davenport 7 Manuel Antonio Garcia Jr. 7 Harlee Ray Patrick and Sandi Marie Patrick 7 William LaVancher 7 Michelle Marie Taliaferro 7 Raymond L. Gold 7 Carolyn M. Kelly 13 Bryan Neal McLaughlin 13 Ilsa L. Greene 13

Newport News William Howard Hood 7 Randy Lorenzo Causey and La’Shonda Rainell Causey 7 Sandra Kemp Durant 7 Debra Kay Roberts 7 Frank R. Ramos 7 Taneisha Shante Jones 7 Valerie Yvette Artis-Pope 7 Steven Michael Shepard 7 Tionne Byrd 7 Yumi Chon 7 Aric Randolph Britton Sr. 7 Lamont Wallace and Leslie Malette LewisWallace 7 Keisha Janice Tucker 7 Steven Roland McKay and LaShon Wyenette McKay 7 Tamara Latrice Bright 7 Patricia Ann Nunn 7 Aaron Kendrick Wyche 7 Mary Elizabeth Oprisko 7 Roger Antonio McLain 7 Joyce Keyona Martin 7 Flossie Callis Greene 7 Leroy Porter and Jean Ann Porter 7 Allison Louise Albert 7 Demondo Dantilius Kindred and Tamara Cox Kindred 7 Thomas Drye 7 Maurice Ivan Grant 7 Ronald K. Portious and Creola A. Angus 7 Rochelle Lynn Jones 7 Melissa Darnelle Kressley 7 Michael Duane Hill and Janet Aleta Hill 7 Keun Taik Kim and Woo Kyung Yun 7 Angela Michell Goodwin 7 Carol Perry 7 Frank Anthony Diodato II 7 Rodnesha Shawntrese Hardy 7 Antoine Edward Melvin 7 Reginald Earley Sr. 7 Elijah O. Giddens 7 Ricky William Huber and Carol Ann Huber 7 Richard W Yox Jr. 7 Gail Elizabeth Jones 7 Toni Marie Harris 7 Edward B. Davis and Kathy T. Davis 7 Chester Thomas Wright II and Crystal Gale Wright 7 Erica Nicole Nance 13 Lisa R. Harris 13 Wesley Bruce Pitt and Linda McCoy Pitt 13 Jacqueline Rene McNew 13 LaShunn Nichelle Francis 13 Tara Holloway-Hughes 13 Vicente Floriano Belmonte and Maria Jesusa Obis Belmonte 13 Michelle Renee Mason 13 Avis A. Fraser-Williams 13 Tammy Mae Bruno 13 Jimmy Wayne Leonard and Nancy Rebecca Leonard 13 Timothy Rix Smith 13 Alonzo Dennis Bartlett and April Nachelle Cary 13 Shenelle Nicole Spencer 13 Joseph Elijah Spurling 13 John A. Williams Jr. 13 Arnold R. Banks 13 Russell A. Johnson Jr. 13 James Terrance Ford and Ilanda Yvonne Ford 13 LeVonda Ann Bell 13 Thomas Mensah Addaquay and Grace Osei Addaquay 13 Mary Titcomb-Cotton 13 Mark Charles Lenz 13

Norfolk Ricky Darnell Lowden 7 Robert Clayton Callahan and Anna Croyle Callahan 7

Aretha Simone Williams 7 Linda Rose Gilchrist Jones 7 Jonathan T. Beale and Carrie G. Beale 7 Yvonne Helene Foreman 7 Kimberly Bradley-Redmond 7 Brandon Alexander Cain and Shanita Glennette Blount-Cain 7 Erica Ann Atkinson 7 Moton Megail White 7 Columbus Boone and Laura Elouise Boone 7 Melanie C. Freeman 7 Karen Romelle Brickhouse 7 Natasha Michelle Joyce 7 William Franklin Carter Jr. and Janet Lorraine Carter 7 Gwendolyn Avis Bailey 7 Mary Louise Johnson 7 Carolyn Marie Clark 7 Harvey Gilbert Midgette Jr. and Diane P. Midgette 7 Jeanetta D. Freeman 7 Richard Dwayne Adams and Carla Carita Adams 7 Humphrey Onginjo Ochieng 7 Tanisha Kamier Lee 7 Delcine K. Durham 7 Jenny Lynn Cox 7 Stephen Leron Edmonds and Betty Janelta Edmonds 7 Mary Ann Davidson 7 Crystal K. Aldred 7 Arlene Marie Granger 7 Daniel Mapps Jr. and Shantal Kay Mapps 7 Evette Elaine Ford 7 Patricia Ann Simpson 7 Evan Milburn Driggers Jr. 7 Tameka Shereen Ford 7 Marie Jane Clinger 7 Lanora Pope-Picot 7 Deidra Lynn Keyes 7 Edward Roosevelt Moss II 7 Ronell D. Douglas 7 Thelma B. Harris 7 Arthur P York and Melba L York 7 Richard S. Wright 7 Charlie D. Hinton and Sherene L. Jarrett 7 Quinyon M. Davis and Lisa Barbara Marie Davis 7 Shannon Marie Sumter 7 Brian L. Wiggins 7 Pamela Decandas Griffin 7 Michael Charles Clayton 7 Lutfiye Gunes 7 Roshawn Nicole Joynes 7 Shyree Christan Johnson 7 Terry Allen Burke 7 Carolyn Anita Lewis 7 David Rosales and Carey Marissa Rosales 7 Samantha Lynn Brooks 7 Steven A. Baublitz Jr. 7 Aleem Codiza Adams 7 Roy Allen Yobp 7 James Ronald Losey 7 Robert Andrew McMahan and Miranda Lynn McMahan 13 Rene Wills Lehr 13 Wayne Carl Norton and Debbie Lynn Norton 13 Tineaka S. Johnson 13 John M. Tignor and Beth B. Tignor 13 J. Kellie Y. Evans 13 Jesse Ryan Gibson 13 Angela M. French 13 Catilia T. Riddick 13 Carl Davino and Cheryl Lynn Davino 13 Tom Karl Malone 13 Rickey Evon Wilson and Eunice Yvonne Wilson 13 David Arthur Hinde 13 Deborah Jeanette Hines 13 Antonio Vondell Jackson and Heather Michelle Jackson 13 John E. Paige and Djuna H. Paige 13 Arnold Medillian Vasquez Jr. 13 Belinda Fay Parker 13 Wallace Dean Brown and Melody Augustine Brown 13 Samantha Lin Baggett and James Allen Baggett 13 Farah Jones Burch 13 Priscilla Michelle Newby 13

Northampton County Anthony Todd Stillman 7 Denise L. Rivers 13 Jean Antoinette Lassiter 13 Stewart Todd Bauer and Tricia Potter Bauer 13 Rickie Lee Sturgis and Rose Upshur Sturgis 13 Dale T. Ballard, Jr. and Dorothy S. Ballard 13

Portsmouth James Barry Taylor and Sandra Pelham Taylor Frank R. Morris Jr. Ron Christopher Bailey and Consuelo Robinson-Bailey Robert Earl Freshwater Jr. and Jennifer Brown Freshwater Donna Christine Wallace Erica Patrice Langley Fredrika Michele Winborne

7 7 7 7 7 7 7

Tomeka Latoya Thomas 7 Tommy Lee Neathery 7 Janet Ann Rodgers 7 Guy A. Widlacki 7 Francois Levell Mayfield 7 Travis R. Mathena 7 Angela Denise Copeland 7 Michael A. Weaver 7 Kena Denise Williams 7 Ginnis Lynn Mobley 7 DeSean Larmar Townsend and Timika Monique Townsend 7 Othelia Lafance Young 7 Curley Johnson and Joyce Johnson 7 Jennifer Elaine Holmes 7 Latanya Ann Banks 7 Joyce Ann Leary 7 Sanita L. Elliott 7 James Edward Hillary 7 Anita Nicole Pitts 7 Marvin Louis Skinner 7 Kenneth Allen Stecher 7 Joan Delores Overton Gilchrist 7 David Allen Hall 7 Kahe Infinite Rusan 7 Gary Herbert Gup and Debra Cross Gup 13 Barbara Ann Bass 13 Marcus Crispin White and Sandra Elizabeth White 13 Grant Augustine Piotrowski and Margaret Mary Piotrowski 13 Joseph Francis Buckhannon 13 Scott Olsen Masters 13 Jason Andrew Eastridge and Shannon Renee Eastridge 13 Earnest Randolph Blanchard and Cynthia Ann Blanchard 13 Janine Brenette Hunter 13 Andre Laman Warren and Salesha L. Warren 13 Cheryl Anne Patterson 13 Richard Donald Herring Jr. 13 Thomasine C. Flores 13 Todd Dion Elliott 13 Freddie Mason 13 William Augustus Whitfield 13 Joyce Benita Baker 13 Jonathan D. Prescott 13 Michael Dewayne Perry 13 Desiree D. Williams 13 Teresa Marie Caputo 13 Leron Williams and Sasha Devon Williams13 Gregory Henry Thomas and Brenda Patricia Thomas 13

Southampton County Gil Tryvai Boney 7 Carolyn Yvette Mackey-Perry 7 James Edward Shamlee Sr. and Jacqueline Rodgers Shamlee 7 Joshua Michael Downing 7 Latoya Lakesha Adkins 7 Annette Turner Ricks 13 Eleanor Turner Best 13

Suffolk Gregory Douglas Peebles and Clarice Nicole Peebles 7 Teresa Ann Parker 7 Loretta Council Felgentreu 7 David Warren Gibson and Norma Whitby Gibson 7 Darren L. Piper 7 Lonnie Randoph Perry 7 Ian Jacob Bradshaw and Erika Renee Bradshaw 7 Shakisha Danyell Nottingham-Jackson 7 Gregory Louis Shepherd 7 Myrna Joy White 7 Michael Edward McClain 7 Audrey Gwen Johnson 7 Karen Kay Quick 7 George Harl Smith and Melanie Celeste Smith 7 Jamal Melique Smith and Eryka Keila Smith 7 Tracy Michelle Powell 7 Sally Ann Smith 7 Cara Nichole Byrd 7 Dora E. Teal 7 Leroy Malette Jr. and Joyce Elaine Malette 7 Jobena Renee Davis-Lyons 11 Robert Allen Daniel and Kristi Lynn Daniel 13 Melanie Northam Stith 13 James K. Lee and Evelyn L. Lee 13 Terrance Dante Johnson Sr. and Annette Copeland Johnson 13 Horace Ray Davis and Sandra Dee Davis 13 Wilbur E. McDonald Jr. and Marian McDonald 13 Darryle L. Smith Sr. 13 Stevie Larnell Green and Shaniqua Massenberg-Green 13 Walker Ladon Dykes 13 Janice W. Holland 13 Jerome C. Jackson and Maisha T. Jackson 13 Richard Charles Patterson and Lelia Aqulia Patterson 13 Margarita Alston Clark 13 Anthony Ruzell Parker Jr. and Demetrice Lanet Parker 13 Juan Carlos Anderson 13

46 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

BOOKS » REVIEWS BY TERRI SCHLICHENMEYER

Terri Schlichenmeyer is the owner of The Bookworm Sez LLC, which is based in LaCrosse, Wis. She can be reached via e-mail at the bookwormsez@ yahoo.com.

A A

Beyond the Magic Bullet: The Anti-Cancer Cocktail

ical mass needed to reverse the tide”? We know the latter course of action works with HIV; why not with cancer? Chang says that you may already be consuming foods and medicines that could enhance treatment; many offlabel medicines do doubleduty. Conversely, you may need to embrace a macrobiotic diet and eliminate artificial ingredients or processed foods while under a physician’s care.

Find the right doctors to work with you and to tailor your treatment, Chang says. Become informed. Set goals and use conventional medicine “as a backbone.” And be sure your entire plan is evidence-based and “synergistic,” not “antagonistic.” When a doctor says the Cword to someone, it’s natural that they panic and think the worst. If it’s happened to you, though, take a deep breath. Then take a look at this book. Though there’s a lot of medico-speak here – which can be a bit confusing – “Beyond the Magic Bullet” otherwise makes a lot of sense. Chang advocates something radically different, his words are soothing and reassuring, and it’s empowering for patients to take the cancer-bull by the horns. But will Chang’s methods work? I couldn’t say, but I do think that this is a great book to take with you next time you see your oncologist, and ask. For you, “Beyond the Magic Bullet” may be the weapon you need for a fighting chance at survival.

portant, too. Continue to fairly divvy up childcare and household chores; know when to dumb down the smartphone; and if yours is a homebased business, remember that the kids live there, too. Finally, says Hirshberg, be prepared for surprises. Don’t hide resentments. Watch for fissures in the marriage and talk things out. Sketch out a dissolution plan, even if you’re not thinking along those lines, because it’s “easy

to fall in love with” an entrepreneur and just as easy to fall out. If ever there’s been a mustread for starting a business, this one’s it – but if you’re the starter, “For Better or For Work” is not for you. Using interviews and her own experiences as the wife of a business-builder, Hirshberg shows a keen understanding of what a spouse goes through when married to an entrepreneur. What’s really great is that Hirshberg “tried to examine every major area where entrepreneurship and domestic life intersect” and in doing so, she gives non-entrepreneurial spouses food for thought and ways to steel themselves for what’s surely to come. That’s beneficial beyond belief. This book is honest, it’s filled with examples, it has talking points at the end of each chapter and if you’ve hitched your star to a future business star, then you absolutely need it. For richer and for poorer, “For Better or For Work” can only help.

Raymond Chang MD, Square One Publishers, 190 pages, includes appendices and index

You’re feeling a little like a warrior. Every day, it’s another battle. You’ve got your fierceface on and yes, you win most times but combat takes a lot out of you. Still, your doctor has your back, and there’s no way you’re giving up this fight with cancer. But what if your weapons gained power, mid-skirmish? What if you could bring a whole arsenal to do battle with the disease? In the new book “Beyond the Magic Bullet: The Anti-Cancer Cocktail” by Raymond Chang MD, you’ll find out how. More than 40 years ago, the National Cancer Act declared “war” on one of the most dreaded diseases known. In the past four decades, we’ve learned a lot about cancer, but we still can’t completely cure it. What complicates things for researchers is that there is no one cancer – there are more than 100 distinct ones –

and each can mutate differently, depending on the patient. Therefore, since there is no singular cancer, there is no singular treatment. “Simply put,” says Chang, “the current strategy and standards for treating cancer are inadequate.” He points out that there are four basic common treatments for cancer now – radiation, chemotherapy, surgery and hormone therapy – but these treatments alone are not working well enough. He advocates a “cocktail” to attack the disease. What would happen, he says, if two or more “specialized cancer therapies” are added to a “classic” treatment? Or how might Eastern medicine help kill cancer cells if used in conjunction with Western medicine? Many cancer treatments are ministered one at a time; what would happen if several methods were used simultaneously to “achieve the crit-

For Better or For Work Meg Cadoux Hirshberg, Inc. Original, 254 pages

A A A A A A

Your boss can be such a tyrant. He makes you labor extra hours; in fact, he thinks it’s natural that work has consumed your life. She’s a workaholic and believes you are, too. He’s obsessed with the biz, hopes you’re the same and by the way, he’s your spouse, so now what? How does one survive when half of a marriage embraces entrepreneurship but that half isn’t you? What do you do when you didn’t sign on for workaholism? Find out by reading “For Better or For Work” by Meg Cadoux Hirshberg. Your spouse has a dream of being his own boss. He’s filled out reams of paperwork, commandeered a corner of the basement, and quit his “day job” to throw himself into the endeavor. This, of course, affects you, your family and your bank-book, not necessarily in that order. So when an “entrepreneur-

ial business sucks the entire family into its vortex” and credit cards are maxed on something you fear may fail, how do you cope? How can you trust, remain supportive and keep the faith? First of all, says Hirshberg, expect challenges. Businesses, like babies, need constant nurturing – although probably for a longer time. Work and home will overlap – especially if you work for the biz, too – and you’ll have disagreements, but remember that there are “no don’t-go-tobed-angry policies” in your new HR manual. Always, always communicate. Decide how much stress you can both tolerate, and how much risk. Where will the money come from, and are you prepared to ask relatives – a whole ‘nother stresssource – for funds? Be willing to set limits. While it’ll be impossible to avoid bringing work home, non-work activities are im-

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 47

THe

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WELLNESS

Keep older workers thriving at your company Our nation’s aging workforce is increasingly on the minds of anyone who owns or manages a business where planning for the future means taking a serious look at what we call “aging in place.” The term is also used for seniors who want to remain in their homes throughout their lifetime rather than transition to a retirement option. The adage is quite appropriate for employees, too, with our demographics inCAROLINE creasingly riding TAYLOR the “Silver Tsunami” wave. By 2025, the population of older workers (55 and over) will reach an astounding 20 percent. Studies show that older workers have no intention of retiring to golf courses, gardening and retirement destinations when they reach 62 either. Many want to continue working, whether for the satisfaction or the paycheck – or both – and that’s good news for our businesses. Older workers are loyal, conscientious, efficient, dependable, patient and above all, experienced.

They are a valuable asset in almost every industry and yet there are physical realities we must confront with age such as diminished flexibility, strength, range of motion, vision and hearing as well as the ability to heal. The other reality is that there are jobs where employees must be able to function at optimal physical performance or face safety risk factors. That’s where solid health care management policies and practices in place best benefit companies. Certainly your occupational health and medical care professional can help with the application of those processes to ensure they meet regulatory and legal requirements and help with the complexities and challenges of managing an aging workforce that can actually exceed productivity goals. It is a truism that medical costs rise with age. Between the ages of 40 and 50 it’s a 25 percent increase that jumps to 35 percent for ages 50 to 60. The good news – or perhaps it’s not such good news – is that age is less of a factor in health care costs than the presence of high health risk factors such as smoking, obesity, lack of exercise and diabetes. Yes, I’m going to beat the wellness drum here again. There is such a thing as “ag-

ing productivity” that is most definitely leading to an upswing in implementing employee wellness programs. Wellness programs work but you can’t give up on them as some companies do when they don’t see results immediately. According to a University of Michigan study of a Midwest utility company’s workplace wellness program, it was found that over nine years, the company saved close to $5 million, a savings well worth the wait and investment. Balancing the scale of escalated medical costs among older workers is the fact that productivity actually increases when there is a higher rate of workers 55 and over. They are not absent as much, are most satisfied with their jobs and have fewer workplace accidents because they tend to be careful and focused. Realizing the value of older workers, especially those most loyal who want to stay with your company, can have surprising benefits in the area of productivity. I was so inspired by the story of German automaker BMW when the company decided to meet the challenge of its aging employees. BMW developed a strategy and proved that older workers are not synonymous with low production standards. It created an assembly line skewed to its older demographics and it asked its workers what it could change to improve the work environment to increase productivity. BMW modified the assembly line using simple, costeffective techniques such as pro-

viding special shoes that kept employees from experiencing painful feet when required to stand for lengthy periods; they enlarged computer screens; and provided workers with special tools to reduce physical strain. Of course, it’s much easier to maintain safety in an office environment as compared to industrial, marine and manufacturing settings, but knowing what to prepare for, as BMW did, is more than half the battle. As an example, among older workers, falls comprise one-third of injuries and remember, older bodies don’t mend as fast as younger ones so when there is an injury such as a fall, absenteeism and workers compensation payouts rise and productivity falls. Preventing falls by implementing frequent inspections to relocate hoses, lines, electrical cords and other trip factors and paying attention to areas where there are slippery surfaces will go far in minimizing injuries. And it doesn’t cost that much to employ the “ounce of prevention” adage. Small steps can most definitely yield large results in planning for and protecting your older workers and it’s a good investment no matter what type of business you operate. Caroline Taylor is an RN and president of Taylor Made Diagnostics, based in Chesapeake. She can be reached by calling 4941688 or visit www.tmdoccmed.com.

SAFETY

Here are tips to end distracted driving Who hasn’t sent a text message, programmed their GPS or dialed their cellphone while driving? I’ve had a few close calls but lucky enough to never have been in an accident. I should know better than to take these chances. Why? I am a personal injury attorney with clients I’ve never met because they were killed DON due to distracted MARCARI driving. There was a recent news article about a young woman in a car accident because she was text messaging while driving. The last text message she sent was to her boyfriend and it read, “I love you too and I will do all I can to make you happy.”

Unfortunately, soon after she sent that message her vehicle slammed into the back of a tractor trailer and she died. Each day I see more and more incidences similar to this story where distracted driving was the cause of a deadly accident. Distracted driving is responsible for more than 5,000 deaths and close to 450,000 accidents in the U.S. every year. Text messaging creates a crash risk 23 times worse than driving while not distracted. The University of Utah researcher David Strayer has been studying distracted drivers for 10 years. Strayer’s research has found that talking on a cellphone quadruples your risk of an accident. This means when someone is talking on a cellphone it’s equivalent to driving drunk in terms of distractions. In addition, if you’re text messaging and driving the

THINKSTOCK.COM

If you need to call or text, just pull over where it is safe.

risk is twice as much! As part of April’s National Distracted Driving Awareness Month, I teamed up with The Casey Feldman Foundation, EndDD.org and 60 for Safety as a speaker in an End Distracted Driving: Student Awareness Initiative. Locally, I spoke with juniors and seniors at First Colonial and Princess Anne high schools in Virginia Beach. Here are some tips to help end distracted driving today: • Drive without text messaging. • Drive without making or receiving calls. It’s easy to pull over

to a safe location to send a text or make a call • Call or text before you leave. We want you to feel safe and we don’t want others to worry about you. Before you leave, send a text or call and tell them you are on your way. • When alone, turn your cellphone off / on vibrate when you start to drive. • If you need to call or text, just pull over where it is safe. • Deputize your passenger. If you are not alone in the car, give the phone to your passenger and let them text or call. • If you know your friend is driving, don’t text or call them. • Speak up for your safety. If your driver starts driving dangerously you can feel more comfortable asking them to be safer or offering to make calls or texts for them, right? That is something we all need to do. Don Marcari is an attorney at Marcari, Russotto, Spencer & Balaban PC. He can be reached by email at overuled@aol.com or call 963-2800.

48 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

THe

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COMMUNICATION

Improve your income and lower cost of benefits In my book, “Employees, Kids & Pets,” I talk about how the lack of proper and disciplined communication can lead to unhappy employees and business owners. What I don’t talk about is how that unhappiness can affect your bottom line. When I say “communicate with employees” I don’t mean day-to-day stuff or even formal “task” training. What I mean is properly communicating your ERIC organizational EGELAND needs and wishes. For instance, how many of your employees know what your mission or vision statement is? Have you ever specifically stated it to them or do you just assume they know? Here is a good test: Pick a handful of lower-level employees and ask them to explain, in their own words, what the company actually does. Then ask them who your target customer is? Finally, ask them what is most important to upper management/owners? If they can’t answer these questions suitably, then there is an opportunity for improvement. If you explain your expectations, then there are a million other little things employees can figure out for themselves because they know the general direction. For tasks, you can say, “This is

the order in which to assemble this car.” But with mission and vision you can say, “We do everything here perfectly and we absolutely want to treat our customers better than anyone else. So, when you are building this car, we want to make sure that no customer ever has a problem and it never has a defect. When you’re building it, know that our mission is for it to be perfect, no matter what.” Armed with that communication, employees are now empowered to deal with all kinds of issues that you could never begin to foresee. For instance, say a car comes down the assembly line in an auto plant and the employee notices a mistake done by the person before them on the line. Now, let’s assume these employees are best friends and the one who discovered the mistake knows the other employee’s husband lost his job. Assume they were trained on “how to handle a mistake” but were never given any moral direction on “how to handle a mistake made by your best friend when her husband just lost his job!” What is the line for our torn employee? Maybe she would call attention to the mistake like she is supposed to if her friend’s husband still had a job, but that one little detail might make all the moral difference in the world to her. If the employees were never told how important perfection is to the company and only told

what to do for a mistake, then they can justify a deviation. However, go back up and read the company expectations and tell me you don’t clearly know what the company wants and where they stand on this matter or any other situations surrounding a mistake. Employees of that company know, “This car is going to go down the line with a defect and that’s not good! I need to do something about this or it will be my butt.” The same thing can happen to a white collar service business as well. For instance, I have seen employees block sales because they don’t like a salesperson in a company that relies on sales to stay in business; or the employee who purposely treated customers poorly because they didn’t like them. The main reason they do this is because no one ever told them that every single sale and customer is important. The potential fallout from the assembly line employee making the wrong choice is infinite. The defect could harm another employee down the line and send them out on workers’ compensation or disability. If terminated, the employee might get unemployment. The defect could end up on the road and cause an injury lawsuit against the company that could result in all your insurance going up or worse. The white collar scenarios can be even worse. Business can be lost, but poor morale can severely lower productivity and result in workplace violence, harassment lawsuits and stress-related medical issues. Communicating in a clear, sensible and consistent manner is not difficult, but two things tend to get in the way. The first is the

assumption that everyone already knows. “Common sense” is overestimated. For instance, a scientist might think it is common sense not to mix potassium chlorate and sulfur. A contractor might think it is common sense not to walk a job site with sneakers. A mechanic might think it is common sense not to touch a spark plug wire. But a “common” person would need to experience or be told that potassium chlorate and sulfur explode, nails go through sneakers and sparkplug wires shock. If you want them to know, you must tell them in a clear, sensible and consistent manner. The second is conflict avoidance. When an employee who may already have an edge about them does something wrong, the manager might have a tendency to let it slide. The next time they do it, you are distracted or sick and think, “I’ll say something the third time.” The problem with ignoring bad behavior multiple times is something I call “Now you’re the bad guy.” When someone does something – whether they know it is wrong or not – and gets away with it multiple times, it becomes standard. So when you finally work up the courage to confront them, they look at you like you’re crazy. Don’t be the bad guy and don’t assume your employees know any more than you tell them. It’s not fair to them, your company or your bottom line.

head. b. Decide exactly how many referrals you will walk out with, set a goal.

referral.

5. Ask to be personally introduced, not referred. Upgrade your referrals.

9. Identify six to 10 strategic alliances that serve your target markets. These alliances should be ones: a. That will reciprocate. b. Are influential. c. Share similar values.

Eric Egeland, CPCU, AU, the president of Capacity Consulting Inc., provides management and business consulting services. He can be reached at ericegeland@ capacityconsultinginc.com and by phone at 845-430-1347.

SALES

Top 10 ways to accelerate referrals Referrals are essential when it comes to making future sales. Here are the best ways to increase your referrals:

OWEN VAN SYCKLE

1. Set expectations early in meetings, preferably the first meeting that you will be asking for referrals. 2. Make sure your client profile sheet includes

boards they serve on currently and in the past, trade associations, hobbies, sports, extracurricular activities, work divisions or departments, etc. a. Use these for referral channels for each client. 3. Set referral meetings where the agenda is clear the meeting is to receive referrals. Do not try and have a referral meeting during other visits. 4. Spend a minimum of 30 minutes preparing for a referral meeting. a. Identifying specific referral channels (#2) to help them go through their “rolodex” in their

6. Educate them on how to refer you. Offer them a script so they know: a. What to say. b. How to say it. 7. In a referral meeting: a. Walk them through referral channels (#2) you have identified for them. b. Walk them through an ideal client profile worksheet. c. Get the name and cellular number of the referral. d. If they will not personally introduce you, time bound when they will make the call or talk with the

8. Learn how to ask for referrals to create an emotional response.

10. Be proactive and give more referrals. Owen Van Syckle is the founder of The Van Syckle Group, a sales acceleration firm. He is the chairman of Sales and Marketing Executives International Hampton Roads and can be contacted at owen@ vansycklegroup.com, 757- RESULTS or visit www.vansycklegroup.com.

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 49

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NEW FORECLOSURES LISTED FOR THE WEEK OF May 7 - May 13, 2012 VIRGINIA BEACH 5237 MILE COURSE WALK, VIRGINIA BEACH, VA 23455-2566 SAMUEL I. WHITE, P.C 5313 LEESBURG DR, VIRGINIA BEACH, VA 23462 SAMUEL I. WHITE, P.C 1509 FROST RD, VIRGINIA BEACH, VA 23455-4209 SAMUEL I. WHITE, P.C 241 DILLON DRIVE, VIRGINIA BEACH, VA 23452-6735 SAMUEL I. WHITE, P.C 420 MANGO DRIVE, VIRGINIA BEACH, VA 23452-4410 SAMUEL I. WHITE, P.C 1040 BRIARWOOD PT, VIRGINIA BEACH, VA 23452-4606 SAMUEL I. WHITE, P.C 3633 SMOKEY CHAMBER DRIVE, VIRGINIA BEACH, VA 23462 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 3316 CRABAPPLE ROAD, VIRGINIA BEACH, VA 23452 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1021 GRAND OAK LANE, VIRGINIA BEACH, VA 23455 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 625 25TH STREET VIRGINIA BEACH, VA 23451 ALG TRUSTEE, LLC, C/O ATLANTIC LAW GROUP, LLC 5950 BEECHWALK DRIVE VIRGINIA BEACH, VA 23464 ALG TRUSTEE, LLC, C/O ATLANTIC LAW GROUP, LLC TIMESHARE ESTATES AT BOARDWALK RESORT HOTEL AND VILLAS VIRGINIA BEACH, VA MICHAEL H. LEVINSON, SOLE ACTING TRUSTEE TIMESHARE ESTATES AT BEACH QUARTERS, BOARDWALK RESORT HOTEL AND VILLAS AND TURTLE CAY VIRGINIA BEACH, VA PATA SERVICE CORP., TRUSTEE MICHAEL H. LEVINSON, PRESIDENT

1308 SNOWFLAKE CIRCLE, VIRGINIA BEACH, VA 23453 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 4902 KEMPS LAKE DRIVE, VIRGINIA BEACH, VA 23462 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 5129 ANDOVER ROAD, VIRGINIA BEACH, VA 23464 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1224 EAGLEWOOD DRIVE, VIRGINIA BEACH, VA 23454 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

3300 BARBERRY LN, VIRGINIA BEACH, VA 23453-5908 SAMUEL I. WHITE, P.C 598 PINEWOOD DR APT 202, VIRGINIA BEACH, VA 23451-4464 SAMUEL I. WHITE, P.C 2836 AUGUSTA CIR, VIRGINIA BEACH, VA 23453-3306 SAMUEL I. WHITE, P.C

5117 INDIAN RIVER ROAD, VIRGINIA BEACH, VA 23464 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

5332 SILVEY DRIVE, NORFOLK, VA 23502 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1820 KATHLEEN COURT, VIRGINIA BEACH, VA 23464 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

8232 BRIARWOOD CIRCLE, NORFOLK, VA 23518 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

5112 ROCHELLE ROAD VIRGINIA BEACH, VA FORECLOSURE COMMISSIONER FRIEDMAN & MACFADYEN, P.A. 3904 CROMWELL PARK DRIVE, VIRGINIA BEACH, VA 23456 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

514&516 BOISSEVAIN AVENUE, NORFOLK, VA 23508 (TAX ID NO. 18695205) ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEE

1829 HEARTHSIDE COURT, CHESAPEAKE, VA 23325 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 3221 OLD MILL ROAD, CHESAPEAKE, VA 23323 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 3804 CANNON POINT DRIVE, CHESAPEAKE, VA 23321 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1431 LILAC AVENUE, CHESAPEAKE, VA 23325 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 437 DUPONT STREET, CHESAPEAKE, VA 23320 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1514 HAMBLEDON LOOP, CHESAPEAKE, VA 23320. BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1820 REEF KNOT COURT, CHESAPEAKE, VA 23321 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1216 FORDYCE DRIVE, CHESAPEAKE, VA 23322 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 628 BLACK THORNE DRIVE, CHESAPEAKE, VA 23322 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1300 STOCKLEY GARDENS #205, NORFOLK, VA 23517 STEVEN L. BROWN JOHN F. SAWYER WOLCOTT RIVERS GATES

2481 OLD GREENBRIER ROAD, CHESAPEAKE, VA 23325 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1205 REARDON CIRCLE, VIRGINIA BEACH, VA 23453 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1200 BUNSEN COURT, NORFOLK, VA 23513-1904 SAMUEL I. WHITE, P.C

515 PINE VIEW COURT, CHESAPEAKE, VA 23320 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

419 ADKINS ARCH VIRGINIA BEACH, VA F & M SERVICES, L.C., SUBSTITUTE TRUSTEES

4111 MACARTHUR ROAD, VIRGINIA BEACH, VA 23453 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

1530 WEST LITTLE CREEK ROAD, NORFOLK, VA 23505 (TAX ID NO. 27174500) GLASSER AND GLASSER, P.L.C. AND/ OR ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES 1576 MILTATE AVENUE, NORFOLK, VA 23502 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP 7441 DAVIDSON ST, NORFOLK, VA 23513-1731 SAMUEL I. WHITE, P.C 8803 SEMMES AVE, NORFOLK, VA 23503-4825 SAMUEL I. WHITE, P.C

1321 EAGLESTONE ARCH, CHESAPEAKE, VA 23322 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1024 FALLCREEK RUN, UNIT # 58, CHESAPEAKE, VA 23322 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 2004 WILLOW POINT ARCH, UNIT # 5, CHESAPEAKE, VA 23320 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 755 SAND WILLOW DRIVE, CHESAPEAKE, VA 23320 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1311 WILLOW AVENUE, CHESAPEAKE, VA 23325 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1319 TAIT CLOSE, VIRGINIA BEACH, VA 23456 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

762 BURKSDALE ROAD, NORFOLK, VA 23518 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

2165 CATWORTH DRIVE VIRGINIA BEACH, VA 23456 ALG TRUSTEE, LLC, C/O ATLANTIC LAW GROUP, LLC

634 WEST 36TH STREET, NORFOLK, VA 23508 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

628 SEDGEFIELD COURT, CHESAPEAKE, VA 23322-8340 SAMUEL I. WHITE, P.C

129 SAW GRASS BEND 14D1, VIRGINIA BEACH, VA 23451 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

1550 JOHNSTONS ROAD, NORFOLK, VA 23518 (TAX ID NO. 03706400) ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEE,

1305 DANIELLE COURT, CHESAPEAKE, VA 23320 (TAX ID NO. 0387001000690) GLASSER AND GLASSER, P.L.C. AND/ OR ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES

1500 GARLAND WAY, VIRGINIA BEACH, VA 23453-1827 SAMUEL I. WHITE, P.C 5038 EATON COURT, VIRGINIA BEACH, VA 23462 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1900 HAYWARDS HEATH VIRGINIA BEACH, VA 23456 NECTAR PROJECTS, INC. SUBSTITUTE TRUSTEES

1313 BRIDLE CREEK BOULEVARD, VIRGINIA BEACH, VA 23464 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

SALE 4847 TUNLAW COURT VIRGINIA BEACH, VA 23462 NECTAR PROJECTS, INC. SUBSTITUTE TRUSTEES

3901 THALIA TRACE COURT, VIRGINIA BEACH, VA 23452 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1620 DEARBORN DRIVE, VIRGINIA BEACH, VA 23451 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

3920 PERIDOT PLACE, VIRGINIA BEACH, VA 23456 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1746 POPE AVENUE, NORFOLK, VA 23509 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

CHESAPEAKE 1216 SAINT BRIDES ROAD W, CHESAPEAKE, VA 23322-2370 SAMUEL I. WHITE, P.C

3903 THALIA TRACE COURT, VIRGINIA BEACH, VA 23454 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

2412 HOOD DRIVE, VIRGINIA BEACH, VA 23454 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

720 GRANT AVENUE, VIRGINIA BEACH, VA 23452 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

178 WEST LEICESTER AVE, NORFOLK, VA 23503-4344 SAMUEL I. WHITE, P.C

626 GEORGIA AVENUE, NORFOLK, VA 23508 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1521 NEW YORK AVENUE, VIRGINIA BEACH, VA 23454 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

2610 BRACSTON RD, VIRGINIA BEACH, VA 23456-6553 SAMUEL I. WHITE, P.C

3015 PLEASANT AVE, NORFOLK, VA 23518-1331 SAMUEL I. WHITE, P.C

873 BRITTLEBANK DRIVE, VIRGINIA BEACH, VA 23462 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

3613 STEPPING STONE LANE, VIRGINIA BEACH, VA 23452 (TAX ID NO. 14865635560000) GLASSER AND GLASSER, P.L.C. AND/ OR ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES

1309 GRAYLYN RD, VIRGINIA BEACH, VA 23464-8682 SAMUEL I. WHITE, P.C

3815 ATTERBURY ST, NORFOLK, VA 23513-4215 SAMUEL I. WHITE, P.C

1049 PURRINGTON COURT, VIRGINIA BEACH, VA 23454 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

1632 PATTINGTON CIRCLE, VIRGINIA BEACH, VA 23454 (TAX ID NO. 24156469621632) ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEE,

2030 LYNDORA RD, VIRGINIA BEACH, VA 23464-8617 SAMUEL I. WHITE, P.C

813 NORMAN AVE, NORFOLK, VA 23518-2517 SAMUEL I. WHITE, P.C

220 MATT LANE, VIRGINIA BEACH, VA 23454 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

TIMESHARE ESTATES AT OCEAN BEACH CLUB VIRGINIA BEACH, VA PATA SERVICE CORP., TRUSTEE MICHAEL H. LEVINSON, PRESIDENT

1232 OWL CT, VIRGINIA BEACH, VA 23464-4852 SAMUEL I. WHITE, P.C

1220 AND 1222 MIDLAND ST, NORFOLK, VA 23523-1742 SAMUEL I. WHITE, P.C

NORFOLK 200 POPLAR AVENUE, NORFOLK, VA 23523 SAMUEL I. WHITE, P.C

8915/8917 BRIGHTON STREET, NORFOLK, VA JAMES M. PICKRELL, JR., TRUSTEE 3509 GRANBY STREET, NORFOLK, VA JAMES M. PICKRELL, JR., TRUSTEE 6932 PARTRIDGE ST, NORFOLK, VA 23513-2950 SAMUEL I. WHITE, P.C. 7135 HUNTERS CHASE, NORFOLK, VA 23518-4449 SAMUEL I. WHITE, P.C. 7471 MILLBROOK ROAD, NORFOLK, VA 23505 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

3211 HOLLY RIDGE DRIVE, CHESAPEAKE, VA 23323-1032 SAMUEL I. WHITE, P.C

1916 ROKEBY AVENUE, CHESAPEAKE, VA 23320 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP 2904 BIG BEND DRIVE UNIT 147, CHESAPEAKE, VA 23321 (TAX ID NO. 0094003001470) ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES 2015 LIBERTY STREET, CHESAPEAKE, VA 23324-3563 SAMUEL I. WHITE, P.C. 2644 KING COURT, CHESAPEAKE, VA 23324 SAMUEL I. WHITE, P.C.

1224 CURIE COURT NORFOLK, VA 23513 NECTAR PROJECTS, INC. SUBSTITUTE TRUSTEES

405 BLUEWATER COURT CHESAPEAKE, VA 23320 GLASSER AND GLASSER, P.L.C., AND/ OR ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES

2820 MARLBORO AVENUE NORFOLK, VA 23504 NECTAR PROJECTS, INC. SUBSTITUTE TRUSTEES

617 SHADOW BROOKE DRIVE CHESAPEAKE, VA 23320 NECTAR PROJECTS, INC. SUBSTITUTE TRUSTEES

644 CORBY GLEN AVENUE, CHESAPEAKE, VA 23322 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP

PORTSMOUTH 4832 DEEP CREEK BOULEVARD, PORTSMOUTH, VA 23702 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 102 SHORE DRIVE, PORTSMOUTH, VA 23701 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 5628 CARISBROOKE LANE PORTSMOUTH, VA 23703-3703 COMMONWEALTH ASSET SERVICE, LLC 519 NORMANDY STREET, PORTSMOUTH, VA 23701 (TAX MAP NO. 05190200 ) GLASSER AND GLASSER, P.L.C. AND/ OR ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES 3742 PEPPERWOOD CT, PORTSMOUTH, VA 23703-2758 SAMUEL I. WHITE, P.C. 1506 DANDRIDGE DRIVE, PORTSMOUTH, VA 23701 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP 7 PEACHTREE COURT, PORTSMOUTH, VA CECIL G. MOORE, AND JO ANN HUTCHINSON, SUBSTITUTE TRUSTEE(S)

HAMPTON 4 OVERLOOK COURT, HAMPTON, VA 23669-1057 SAMUEL I. WHITE, P.C 435 HUNLAC AVE, HAMPTON, VA 23664-1523 SAMUEL I. WHITE, P.C 11 ASHE MEADOWS DR, HAMPTON, VA 23664-2069 SAMUEL I. WHITE, P.C 34 HARWOOD AVENUE, HAMPTON, VA 23664-1067 SAMUEL I. WHITE, P.C 110 TUCKER LANE, HAMPTON, VA 23669-2271 SAMUEL I. WHITE, P.C 33 FORTH WORTH STREET HAMPTON, VA 23669 A/K/A 33 FORT WORTH STREET HAMPTON, VA 23666 ALG TRUSTEE, LLC, C/O ATLANTIC LAW GROUP, LLC

VIRGINIA BEACH TRUSTEE SALE 241 Dillon Drive, Virginia Beach, VA 23452-6735 In execution of a Deed of Trust in the original principal amount of $127,500.00, dated December 23, 2009 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20100105000012170 , default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on

May 24, 2012 at 3:00 o'clock pm

the property described in said deed, located at the above address and briefly described as: Lot 6, Block 7-A, Section 6, Princess Anne Plaza, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006870-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024378

506 CARTERS GROVE COURT, HAMPTON, VA 23663 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 211 EASTFIELD COURT, HAMPTON, VA 23666 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 1934 DEMETRO DRIVE, HAMPTON, VA 23663 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 8 MIZZEN CIRCLE, UNIT # 8, HAMPTON, VA 23664 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 17 CAPE DOREY DR, HAMPTON, VA 23666-6201 SAMUEL I. WHITE, P.C 1408 DORENE CT, HAMPTON, VA 23663-1925 SAMUEL I. WHITE, P.C 3619 VICTORIA BOULEVARD, HAMPTON, VA 23661-1511 SAMUEL I. WHITE, P.C 18 FREDA COURT, HAMPTON, VA 23666 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 26 BONAIRE DRIVE, HAMPTON, VIRGINIA CECIL G. MOORE, AND JO ANN HUTCHINSON, SUBSTITUTE TRUSTEE(S) 8406 KENNEDY DRIVE, HAMPTON, VA CECIL G. MOORE, AND JO ANN HUTCHINSON, SUBSTITUTE TRUSTEE(S)

NEWPORT NEWS 703 WOODNOTE LN, NEWPORT NEWS, VA 23608-0903 SAMUEL I. WHITE, P.C 853 YORKSHIRE LANE, NEWPORT NEWS, VA 23608-9327 SAMUEL I. WHITE, P.C 885 CASCADE DRIVE, NEWPORT NEWS, VA 23608 (TAX ID NO. 096000440) GLASSER AND GLASSER, P.L.C. AND/ OR ATLANTIC TRUSTEE SERVICES, L.L.C., SUBSTITUTE TRUSTEES 10 LOIS LANE, NEWPORT NEWS, VA 23608 PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, SUBSTITUTE TRUSTEES, C/O SHAPIRO BROWN & ALT, LLP 14248 OLD COURTHOUSE WAY, NEWPORT NEWS, VA 23602-3725 SAMUEL I. WHITE, P.C 383 BRIDGEWATER DRIVE, NEWPORT NEWS, VA 23603-1435 SAMUEL I. WHITE, P.C. 670 HARPERSVILLE ROAD, NEWPORT NEWS, VA 23601-1654 SAMUEL I. WHITE, P.C. 1310 23RD STREET, NEWPORT NEWS, VA CECIL G. MOORE, AND JO ANN HUTCHINSON, SUBSTITUTE TRUSTEE(S) 186 LEES MILL DRIVE, NEWPORT NEWS, VA CECIL G. MOORE, AND JO ANN HUTCHINSON, SUBSTITUTE TRUSTEE(S) 517 KERRY LAKE DRIVE NEWPORT NEWS, VA 23602 ROSENBERG & ASSOCIATES, LLC (ATTORNEY FOR COMMONWEALTH TRUSTEES, LLC) 108 HENRY CLAY ROAD, NEWPORT NEWS, VA 23601 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC 74 SHANNON DRIVE, NEWPORT NEWS, VA 23608 BWW LAW GROUP, LLC, ATTORNEYS FOR EQUITY TRUSTEES, LLC

TRUSTEE SALE 5237 Mile Course Walk, Virginia Beach, VA 23455-2566 In execution of a Deed of Trust in the original principal amount of $138,400.00, dated September 28, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20061002001490080 , default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on

May 24, 2012 at 3:00 o'clock pm

the property described in said deed, located at the above address and briefly described as: Unit 5237 in the Staplesmill Chase Condominium, together with an undivided fractional interest in certain common elements appurtenant to said Unit TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-009512-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024490

TRUSTEE SALE 5313 Leesburg Dr, Virginia Beach, VA 23462 In execution of a Deed of Trust in the original principal amount of $242,400.00, dated August 1, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 200508170130765, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 24, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 18, in Block F, Ridglea, Section 2, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or

borrower entered into any repayment agreement, of the holder of said Note, the under-signed Substitute reinstated or paid off the loan prior to the sale. In any Trustee will offer for sale at public auction at the entrance such event, the sale shall be null and void, and the to the Law Offices of Samuel I. White, P.C., 5040 Purchaser’s sole remedy, in law or equity, shall be the Corporate Woods Drive, Suite 120, Virginia Beach, return of his deposit without interest. Additional terms Virginia, on May 24, 2012 at 3:00 may be announced at the time of sale. Pursuant to the o'clock pm theBUSINESS property described in said deed, MAY Federal7, Fair2012 Debt Collection Practices Act, we advise you » MONDAY, 50 » INSIDE located at the above address and briefly described as: that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we Lot 18, in Block F, Ridglea, Section 2, with obtain will be used for that purpose. improvements thereon. SAMUEL I. WHITE, P.C., Trustee TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or This is a communication from a debt collector. certified check, will be required at the time of sale with FOR INFORMATION CONTACT: settlement within fifteen (15) days from the date of sale. SAMUEL I. WHITE, P.C. (01-008858-12/CONV) Sale is subject to post sale confirmation that the borrower 5040 Corporate Woods Drive, Suite 120 did not file for protection under the U.S. Bankruptcy Code Virginia Beach, Virginia 23462 prior to the sale, as well as to post-sale confirmation and 757-457-1460 - Call Between 9:00 a.m. and 11:30 audit of the status of the loan with the loan servicer a.m. or visit our website at www.siwpc.net including, but not limited to, determination of whether the 23024203 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 TRUSTEE SALE return of his deposit without interest. Additional terms 1040 Briarwood Pt, Virginia may be announced at the time of sale. Pursuant to the Beach, VA 23452-4606 Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we In execution of a Deed of Trust in the original principal amount of $294,000.00, dated January 18, 2005 obtain will be used for that purpose. recorded in the Clerk's Office of the Circuit Court of the SAMUEL I. WHITE, P.C., Substitute Trustee City Of Virginia Beach, Virginia, in Instrument 200501310016378, default having occurred in the payment of the Note thereby secured and at the request This is a communication from a debt collector. of the holder of said Note, the under-signed Substitute FOR INFORMATION CONTACT: Trustee will offer for sale at public auction at the entrance SAMUEL I. WHITE, P.C. (01-006160-10/CONV) to the Law Offices of Samuel I. White, P.C., 5040 5040 Corporate Woods Drive, Suite 120 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 Virginia, on May 24, 2012 at 3:00 a.m. or visit our website at www.siwpc.net o'clock pm the property described in said deed, 23024447 located at the above address and briefly described as: Lot 10, Briar-Cliff, recorded in Map Book 62, Page 40, with improvements thereon.

TRUSTEE SALE 1509 Frost Rd, Virginia Beach, VA 23455-4209 In execution of a Deed of Trust in the original principal amount of $148,500.00, dated December 14, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20051229002084340, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 31, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 13, Block 4, fronting 50 feet on Second Street (now Frost Street), in Map Book 74, at page 495, with improvements thereon. LESS & EXCEPT conveyance by Deed dated 11/12/1986 and recorded 11/12/1986, in Deed Book 2564 page 274 to City of Virginia Beach, Commonwealth of Virginia. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-023010-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m.or visit our website at www.siwpc.net 23024397

TRUSTEE SALE 420 Mango Drive, Virginia Beach, VA 23452-4410 In execution of a Deed of Trust in the original principal amount of $158,800.00, dated July 19, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 200507210113089, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on

May 24, 2012 at 3:00 o'clock pm the property described in said deed, located at the above

address and briefly described as: Lot 40, Malibu, Section 1, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-017844-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024172 BWW# 146870

TRUSTEE'S SALE OF 1049 Purrington Court, Virginia Beach, VA 23454. In execution of a certain

deed of trust dated August 31, 2007, in the original principal amount of $244,800.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20070911001240450, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:40 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: THE FOLLOWING DESCRIBED PROPERTY: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 47, BLOCK A, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF OCEAN LAKES, PHASE TWO, SECTION ONE, PRINCESS ANNE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 2478, AT PAGES 1240 THROUGH 1245.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23023954

TRUSTEE'S SALE OF 3633 Smokey Chamber Drive, Virginia Beach, VA 23462. In

Grand Oak Lane, Virginia Beach, VA 23455. In execution of a certain

TRUSTEE'S SALE OF 3633 Smokey Chamber Drive, Virginia Beach, VA 23462. In

execution of a certain deed of trust dated September 29, 2006, in the original principal amount of $136,800.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20061003001505660, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:40 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED, AND DESIGNATED AS LOT 9, BLOCK P-P, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF TOWNHOMES AT CHIMNEY HILL, SECTION THREE", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 147, AT PAGE 44. IT BEING THE SAME PROPERTY CONVEYED TO DANYELL M. MARTIGANI, BY DEED DATED SEPTMBER 29, 2006 FROM KEITH L. LESHER, II AND SUZANNE LESHER, AND DELIVERED TO BE RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IMMEDIATELY PRIOR HERETO..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 138871 A-4240396 05/07/2012, 05/14/2012 23023927

TRUSTEE'S SALE OF 3316 Crabapple Road, Virginia Beach, VA 23452. In execution of a certain

deed of trust dated April 16, 2007, in the original principal amount of $169,600.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20070425000559570, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:42 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, AND THE APPURTENANCES THEREUNTO BELONGING, LYING , SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN NUMBERED AND DESIGNATED AS LOT 5, BLOCK I, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF THE LAKES, SECTION 1, PART D", WHICH SAID PLAT DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 117, AT PAGE 55..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144372 A-4240390 05/07/2012, 05/14/2012 23023924

TRUSTEE'S SALE OF 1021 Grand Oak Lane, Virginia Beach, VA 23455. In execution of a certain

deed of trust dated December 02, 2004, in the original principal amount of $204,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 200412080192925, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN PROPERTY DESCRIBED AS UNIT NO. 117-1201 IN THAT CERTAIN CONDOMINIUM KNOWN AS "TRADITIONS AT CYPRESS POINT, A CONDOMINIUM" TOGETHER WITH AN UNDIVIDED INTEREST IN THE COMMON ELEMENTS AND THE LIMITED COMMON ELEMENTS, IF ANY, APPURTENANT THERETO, AS DEFINED AND DESCRIBED IN THE DECLARATION ENTITLED "DECLARATION SUBMITTING REAL PROPERTY TO THE CONDOMINIUM ACT AND CREATING AND ESTABLISHING A CONDOMINIUM KNOWN AS TRADITIONS AT CYPRESS POINT, A CONDOMINIUM", DATED JUNE 1, 1998, WHICH IS RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 3963, AT PAGE 0001, AND THE AMENDMENTS THERETO, AS THE SAME ARE DULY RECORDED IN THE AFORESAID CLERK'S OFFICE. SAID UNIT IS DEPICTED ON THE PLATS AND PLANS REFERRED TO IN THE DECLARATION AND/ OR THE AMENDMENTS THERETO, AS SAID PLATS AND PLANS MAY HAVE BEEN AMENDED, ALL AS DULY RECORDED IN THE AFORESAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 142529 A-4240393 05/07/2012, 05/14/2012 23023921

TRUSTEE'S SALE OF 625 25th Street Virginia Beach, VA 23451

In execution of a Deed of Trust in the original principal amount of $323,258.67, from Paulita M. Biddle, a/k/a Paulita Biddle, Grantor(s), dated November 15, 2007, recorded among the land records of the Circuit Court for the City of Virginia Beach on December 10, 2007 as Instrument #20071210001636000, the undersigned appointed Substitute Trustee will offer for sale at public auction at the Courthouse Steps for the Circuit Court of the City of Virginia Beach, 2425 Nimmo Parkway, Virginia Beach, VA on May 23, 2012 at 1:45PM, the property with the improvements thereon, if any, to wit: All that certain lot, piece or parcel of land, with the buildings and improvements thereon, and being in the City of Virginia Beach, Virginia, and being known numbered and designated as Lot 23, in Block Numbered 128 on Map No.6 of property of Virginia Beach Development Company, which said plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia, in Map Book 5, at page 103. And more fully described in the above Deed of Trust. Commonly known as 625 25th Street, Virginia Beach, VA 23451. Tax ID: 24178986020000. TERMS OF SALE: ALL CASH. A bidder's deposit of $13,000.00 or 10% of the sale price will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: Conv/Conv (Trustee # 522629) Substitute Trustee: ALG Trustee, LLC, C/O Atlantic Law Group, LLC PO Box 2548, Leesburg, VA 20177, 703-777-7101, website: http://www.atlanticlawgrp.com (05-07-12, 05-14-12)(287992) 23023370

TRUSTEE'S SALE OF 5950 Beechwalk Drive Virginia Beach, VA 23464

In execution of a Deed of Trust in the original principal amount of $17,600.00, from Nathan Linwood Brown a/k/a Nathan Linwood Brown, Jr., Grantor(s), dated December 7, 2007, recorded among the land records of the Circuit Court for the County of Virginia Beach on January 2, 2008 as Instrument #20080102000005010, the undersigned appointed Substitute Trustee will offer for sale at public auction at the main entrance of the Courthouse for the Circuit Court of the City of Virginia Beach, 2425 Nimmo Parkway, Virginia Beach, VA on May 23, 2012 at 1:45PM, the property with the improvements thereon, if any, to wit: All That certain lot, piece or parcel of land, with the buildings and improvements thereon and the appurtenances thereunto belonging, situate, lying and being in the Kempsville Borough of the City of Virginia Beach, Virginia, and designated as Lot 23, in Block Z as shown on the plat entitled ''Plat of The Villages Subdvision, Phase 3, Part 1, (Formerly Pinewood Village), Kempsville Borough-Virginia Beach, Virginia'', dated July 28, 1977 and made by Talbot and Associates, Ltd., said plat duly recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia in Map Book 121, at page 48: reference to which plat is hereby made for a more particular description of said lot. And more fully described in the above Deed of Trust. Commonly known as 5950 Beechwalk Drive, Virginia Beach, VA 23464. Tax ID: 456-40-9017-0000. TERMS OF SALE: ALL CASH. A bidder's deposit of $2,000.00 or 10% of the sale price will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: Conv/Conv (Trustee # 526322)

Virginia in Map Book 121, at page 48: reference to which plat is hereby made for a more particular description of said lot. And more fully described in the above Deed of Trust. Commonly known as 5950 Beechwalk Drive, Virginia Beach, VA 23464. Tax ID: 456-40-9017-0000. TERMS OF SALE: ALL CASH. A bidder's deposit of $2,000.00 or 10% of the sale price will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: Conv/Conv (Trustee # 526322) Substitute Trustee: ALG Trustee, LLC, C/O Atlantic Law Group, LLC PO Box 2548, Leesburg, VA 20177, 703-777-7101, website: http://www.atlanticlawgrp.com (05-07-12, 05-14-12)(287994) 23023153

TRUSTEE'S SALE OF TIMESHARE ESTATES AT BOARDWALK RESORT HOTEL AND VILLAS VIRGINIA BEACH, VIRGINIA In execution of that certain deed of trust dated June 30, 2001 from Michael A. McIvor and A. Marlene McIvor, recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia, in Deed Book 4487, at Page 2198, default having been made in the payment of the debt thereby secured, Michael H. Levinson, as sole acting trustee will offer for sale at public auction at the Law Offices of Michael H. Levinson, 303 34th Street, Suite 6, Virginia Beach, Virginia 23451 on May 25, 2012 at 10:00 a.m., the Time-Share Estate Unit/Week 0305/22 located in Boardwalk Resort Hotel and Villas, a Time-Share, 1601 Atlantic Avenue, Virginia Beach, Virginia. The sale shall be made subject to all liens, encumbrances, easements and restrictive covenants as they may lawfully affect the subject property, including the Time-Share Instrument for Boardwalk Resort Hotel and Villas, a Time-Share dated May 18, 2001 and recorded June 13, 2001 in Deed Book 4437, at page 821, as amended. Terms: Cash .Settlement to be ten (10) days after date of sale. A bidders deposit not to exceed 10% of the sale price may be required as to each time-share estate. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. Michael H. Levinson, Sole Acting Trustee For more information contact: Foreclosure Department 303 34th Street, Suite 6 Virginia Beach, VA 23451 (757) 437-0171 23023123

TRUSTEE'S SALE OF TIMESHARE ESTATES AT BEACH QUARTERS, BOARDWALK RESORT HOTEL AND VILLAS AND TURTLE CAY VIRGINIA BEACH, VIRGINIA In execution of certain deeds of trust from the Grantors described below (the "Deeds of Trust"), each of which were recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia (the "Clerk's Office"), as the Instrument Numbers described below, default having been made in the payment of the respective debts thereby secured, PATA Service Corp., as trustee will offer for sale at public auction at the Law Offices of Michael H. Levinson, 303 34th Street, Suite 6, Virginia Beach, Virginia 23451 on May 25, 2012, at 10:05 a.m., the Time-Share Estates listed below, located in Beach Quarters, a Time-Share Project, 501 Atlantic Avenue, Boardwalk Resort Hotel and Villas, a Time-Share, 1601 Atlantic Avenue and Turtle Cay, a Time-Share Project, 600 Atlantic Avenue, respectively, in Virginia Beach, Virginia, and more particularly described in the Deeds of Trust listed below and appertaining to each named Grantor(s): GRANTOR(S); TIME-SHARE ESTATE UNIT/WEEK DATE OF TRUST; INSTRUMENT NO. Derrick L. McCollum and Sonya R. McCollum Beach Quarters, Unit/Week 1210/18 Dated 7/11/2009; Inst # 20090727000865810 Elmo C. Picott IV Beach Quarters, Unit/Week 1204/24 Dated 8/1/2011; Inst # 20110822000854860 Joseph L. Peyton II and Kelly A. Peyton Boardwalk Resort Hotel and Villas, Unit/Week 0505/23 Dated 5/16/2007; Inst # 20070611000781640 Wayne Gorman and Gloria J. Gorman Turtle Cay, Unit/Week 0217/18 Dated 4/16/2011; Inst # 20110509000462210 The sale shall be made subject to all liens, encumbrances, easements and restrictive covenants as they may lawfully affect the subject property, including "A First Amended and First Restated Time-Share Instrument for Beach Quarters, a Time-Share Project" dated May 30, 1997, recorded June 20, 1997 in Deed Book 3753, at page 1836, as supplemented, the "Times-Share Instrument for Boardwalk Resort Hotel and Villas, a Time-Share" dated May 18, 2001 and recorded June 13, 2001 in Deed Book 4437, at page 821, as amended, and the "Time-Share Instrument for Turtle Cay, a Time-Share Project" dated June 11, 1997 and recorded July 1, 1997 in Deed Book 3758, at page 1636, as supplemented. Terms: Cash. Each time-share estate shall be sold separately. Settlement to be ten (10) days after date of sale. A bidders deposit not to exceed 10% of the sale price may be required as to each time-share estate. PATA Service Corp., Trustee Michael H. Levinson, President For more information contact: Foreclosure Department 303 34th Street, Suite 6 Virginia Beach, VA 23451 (757) 437-0171 23023073

TRUSTEE'S SALE OF TIMESHARE ESTATES AT OCEAN BEACH CLUB VIRGINIA BEACH, VIRGINIA In execution of certain deeds of trust from Grantors described below (the "Deeds of Trust"), each of which were recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia (the "Clerk's Office"), as the Instrument Numbers described below, default having been made in the payment of the respective debts thereby secured, PATA Service Corp., as trustee will offer for sale at public auction at the Law Offices of Michael H. Levinson, 303 34th Street, Suite 6, Virginia Beach, Virginia 23451 on May 25, 2012 at 10:10 a.m., the Timeshare Estates at that certain real estate timeshare project known as "Ocean Beach Club, a Timeshare", located at 3401 Atlantic Avenue, Virginia Beach, Virginia, as more fully described in that certain Timeshare Instrument for Ocean Beach Club, a Timeshare, dated May 14, 2004 and recorded July 8, 2004 in the aforesaid Clerk's Office as Instrument Number 2004070800104883, as supplemented, and as more particularly described in the Deeds of Trust listed below and appertaining to each named Grantor(s): GRANTOR(S); DATE OF DEED OF TRUST; INSTRUMENT NUMBER Tymika T. Edward Dated 6/30/2010; Inst. # 20100806000797030 Conney J. Fletcher and Mozella T. Fletcher Dated 7/19/2004; Inst. # 200408130127627 John H. Goins Sr. and Tamara F. Goins Dated 2/28/2009; Inst. # 20090316000268070 Michael A. Manning Sr. and Denise R. Manning Dated 2/16/2008; Inst. # 20080303000231430

of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 17, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 1B, Owl Court Subdivision, recorded in Map Book 133, Page 52, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (41924-08/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022816

Larry Dean Taylor Sr. and Jennifer Pinto Taylor Dated 8/1/2009; Inst. # 20090922001114930 William L. Thompson, Jr. and Tracy L. Thompson Dated 7/27/2008; Inst. # 20080908001059410 Steve A. Turner and Gwendolyn Earlene Turner Dated 4/18/2011; Inst. # 20110509000467570 Carl L. Williams and Gloria E. Price-Williams Dated 11/8/2008; Inst. # 20081124001342370 The sale shall be made subject to all existing liens, encumbrances, easements and restrictive covenants as they may lawfully affect the subject property. Terms: Cash. Each timeshare estate shall be sold separately. Settlement to be ten (10) days after date of sale. A bidders deposit not to exceed 10% of the sale price may be required as to each timeshare estate. PATA Service Corp., Trustee Michael H. Levinson, President For more information contact: Foreclosure Department 303 34th Street, Suite 6 Virginia Beach, VA 23451 (757) 437-0171 23022984

Trustee's Sale 3613 Stepping Stone Lane, Virginia Beach, Virginia 23452 (Tax ID No. 14865635560000) Default having been made in the terms of a certain Deed of Trust dated April 18, 2007, in the original principal amount of $171,500.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument Number 20070419000526850, the undersigned Substitute Trustees will sell at public auction on May 18, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Lot 9, in Block E, as shown on that certain plat entitled "SUBDIVISION OF WINDSOR OAKS, Princess Anne Borough, Virginia Beach, Virginia", which plat is duly recorded in the aforesaid Clerk's Office in Map Book 79, at Page 15. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $17,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 91966, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23022837

TRUSTEE SALE 1232 Owl Ct, Virginia Beach, VA 23464-4852 In execution of a Deed of Trust in the original principal amount of $167,000.00, dated January 10, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20070122000094720, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 17, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 1B, Owl Court Subdivision, recorded in Map Book 133, Page 52, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or

TRUSTEE SALE 2030 Lyndora Rd, Virginia Beach, VA 23464-8617 In execution of a Deed of Trust in the original principal amount of $160,000.00, dated March 28, 2008 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20080403000380870 , default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on

May 17, 2012 at 3:00 o'clock pm

the property described in said deed, located at the above address and briefly described as: Lot 7, Block H, ROSEMONT FOREST SOUTH, SECTION 9, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-009656-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022776

TRUSTEE SALE 1309 Graylyn Rd, Virginia Beach, VA 23464-8682 In execution of a Deed of Trust in the original principal amount of $200,000.00, dated October 14, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20061025001622700, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 17, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 35, Block C, Rosemont Forest Subdivision, Section 10, Part 1, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-017343-11/CONV) 5040 Corporate Woods Drive, Suite 120

return of his deposit without interest. Additional terms may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-017343-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022763

TRUSTEE SALE 2610 Bracston Rd, Virginia Beach, VA 23456-6553 In execution of a Deed of Trust in the original principal amount of $164,000.00, dated October 18, 2004 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 200410200167481, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 17, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 57, FOXFIRE DOWNS, SECTION 2, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-001061-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022731

TRUSTEE SALE 3300 Barberry Ln, Virginia Beach, VA 23453-5908 In execution of a Deed of Trust in the original principal amount of $235,200.00, dated November 24, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20061211001837620, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on

May 17, 2012 at 3:00 o'clock pm

the property described in said deed, located at the above address and briefly described as: Lot 232, Landstown Meadows, Section 1, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-005479-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022654

TRUSTEE SALE 598 Pinewood Dr Apt 202, Virginia Beach,VA 23451-4464 In execution of a Deed of Trust in the original principal amount of $156,900.00 , dated July 27, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20070730001030200, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on

May 17, 2012 at 3:00 o'clock pm

the property described in said deed, located at the above

Sale is subject to post sale confirmation that the borrower In execution of a Deed of Trust in the original principal did not file for protection under the U.S. Bankruptcy Code amount of $156,900.00 , dated July 27, 2007 recorded prior to the sale, as well as to post-sale confirmation and in the Clerk's Office of the Circuit Court of the City Of audit of the status of the loan with the loan servicer Virginia Beach, Virginia, in Instrument including, but not limited to, determination of whether the 20070730001030200, default having occurred in the borrower entered into any repayment agreement, reinstatpayment of the Note thereby secured and at the request ed 7, or paid off the loan prior toBUSINESS the sale. In any such event, » INSIDE » 51 MONDAY, MAY 2012 of the holder of said Note, the under-signed Trustee will the sale shall be null and void, and the Purchaser’s sole offer for sale at public auction at the entrance to the Law remedy, in law or equity, shall be the return of his deposit Offices of Samuel I. White, P.C., 5040 Corporate without interest. Additional terms may be announced at Woods Drive, Suite 120, Virginia Beach, Virginia, on the time of sale. Pursuant to the Federal Fair Debt CollecMay 17, 2012 at 3:00 o'clock pm tion Practices Act, we advise you that this firm is a debt the property described in said deed, located at the above collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for address and briefly described as: that purpose. Unit 202, Shadowlawn Villas II Condominiums, SAMUEL I. WHITE, P.C., Substitute Trustee Together with an undivided interest in the common elements. This is a communication from a debt collector. TERMS OF SALE: CASH: A deposit of $15,000.00, or FOR INFORMATION CONTACT: 10% of the sales price, whichever is lower, cash or SAMUEL I. WHITE, P.C. (40-009204-12/CONV) certified check, will be required at the time of sale with 5040 Corporate Woods Drive, Suite 120 settlement within fifteen (15) days from the date of sale. Virginia Beach, Virginia 23462 Sale is subject to post sale confirmation that the borrower 757-457-1460 - Call Between 9:00 a.m. and 11:30 did not file for protection under the U.S. Bankruptcy Code a.m. or visit our website at www.siwpc.net prior to the sale, as well as to post-sale confirmation and 230022204 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 SALE OF 5038 such event, the sale shall be null and void, and the TRUSTEE'S Purchaser’s sole remedy, in law or equity, shall be the Eaton Court, Virginia Beach, return of his deposit without interest. Additional terms VA 23462. In execution of a certain deed of trust may be announced at the time of sale. Pursuant to the dated October 26, 2007, in the original principal amount Federal Fair Debt Collection Practices Act, we advise you of $159,608.00 recorded in the Clerk's Office, Circuit that this firm is a debt collector attempting to collect the Court for City of Virginia Beach, Virginia, in Instrument No. indebtedness referred to herein and any information we 20071115001536910, default having occurred in the obtain will be used for that purpose. payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer SAMUEL I. WHITE, P.C., Trustee for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo This is a communication from a debt collector. Parkway, Municipal Center, Building #10., Virginia Beach, FOR INFORMATION CONTACT: Virginia, on June 12, 2012, at 9:40 AM, SAMUEL I. WHITE, P.C. (40-006802-12/CONV) the property described in said deed of trust, located at the 5040 Corporate Woods Drive, Suite 120 above address, and more particularly described as follows: Virginia Beach, Virginia 23462 ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, 757-457-1460 - Call Between 9:00 a.m. and 11:30 TOGETHER WITH THE IMPROVEMENTS THEREON AND THE a.m. or visit our website at www.siwpc.net APPURTENANCES THEREUNTO BELONGING, LYING, 23022267 SITUATE, AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS SITE B-13, ON A CERTAIN PLAT ENTITLED "REVISED PLAT OF AMENDED SUBDIVISION OF KEMPSHIRE MANOR", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S TRUSTEE SALE OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA 2836 Augusta Cir, Virginia BEACH, VIRGINIA, IN MAP BOOK 107, PAGE 30, TO WHICH PLAT REFERENCE IS HEREBY MADE FOR A MORE Beach, VA 23453-3306 PARTICULAR DESCRIPTION..TERMS OF SALE: ALL CASH. A bidder's deposit of ten percent (10%) of the sale price or In execution of a Deed of Trust in the original principal amount of $160,000.00, dated March 12, 2007 ten percent (10%) of the original principal balance of the recorded in the Clerk's Office of the Circuit Court of the subject deed of trust, whichever is lower, in the form of cash or certified funds payable to the Substitute Trustee City Of Virginia Beach, Virginia, in Instrument must be present at the time of the sale. The balance of 20070319000366480, default having occurred in the the purchase price will be due within fifteen (15) days of payment of the Note thereby secured and at the request sale, otherwise Purchaser's deposit may be forfeited to of the holder of said Note, the under-signed Substitute Trustee. Time is of the essence. Sale is subject to post Trustee will offer for sale at public auction at the entrance sale confirmation that the borrower did not file for to the Law Offices of Samuel I. White, P.C., 5040 protection under the U.S. Bankruptcy Code prior to the Corporate Woods Drive, Suite 120, Virginia Beach, sale, as well as to post-sale confirmation and audit of the Virginia, on May 17, 2012 at 3:00 status of the loan with the loan servicer including, but not o'clock pm the property described in said deed, limited to, determination of whether the borrower entered into any repayment agreement, reinstated or paid off the located at the above address and briefly described as: loan prior to the sale. In any such event, the sale shall be Lot 9, Block D, Lamplight Manor Subdivision, null and void, and the Purchaser's sole remedy, in law or equity, shall be the return of his deposit without interest . Section 2, with improvements thereon. Additional terms to be announced at the sale. A form copy TERMS OF SALE: CASH: A deposit of $15,000.00, or of the Trustee's memorandum of foreclosure sale and 10% of the sales price, whichever is lower, cash or contract to purchase real property is available for viewing certified check, will be required at the time of sale with at www.bwwsales.com. This is a communication from a settlement within fifteen (15) days from the date of sale. debt collector and any information obtained will be used Sale is subject to post sale confirmation that the borrower for that purpose. The sale is subject to seller confirmation. did not file for protection under the U.S. Bankruptcy Code Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt prior to the sale, as well as to post-sale confirmation and Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For audit of the status of the loan with the loan servicer information contact: BWW Law Group, LLC, attorneys for including, but not limited to, determination of whether the Equity Trustees, LLC, 4520 East West Highway, Suite 200, borrower entered into any repayment agreement, Bethesda, MD 20814, (301) 961-6555, website: reinstated or paid off the loan prior to the sale. In any www.bwwsales.com. BWW# 141915 A-4239941 such event, the sale shall be null and void, and the 05/07/2012, 05/14/2012 23022161 Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest. Additional terms may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you SALE OF 1313 that this firm is a debt collector attempting to collect the TRUSTEE'S Creek Boulevard, indebtedness referred to herein and any information we Bridle obtain will be used for that purpose. Virginia Beach, VA 23464. In execution of a certain deed of trust dated August 24, SAMUEL I. WHITE, P.C., Substitute Trustee 2005, in the original principal amount of $138,900.00 recorded in the Clerk's Office, Circuit Court for City of This is a communication from a debt collector. Virginia Beach, Virginia, in Instrument No. FOR INFORMATION CONTACT: 200508260136635, default having occurred in the SAMUEL I. WHITE, P.C. (40-007198-12/CONV) payment of the Note thereby secured and at the request 5040 Corporate Woods Drive, Suite 120 of the holder, the undersigned Substitute Trustee will offer Virginia Beach, Virginia 23462 for sale at public auction in the front of the Circuit Court 757-457-1460 - Call Between 9:00 a.m. and 11:30 building for the City of Virginia Beach, 2425 Nimmo a.m. or visit our website at www.siwpc.net Parkway, Municipal Center, Building #10., Virginia Beach, 23022222 Virginia, on June 12, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH TRUSTEE SALE THE BUILDINGS AND IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, 1500 Garland Way, Virginia LYING AND BEING IN THE CITY OF VIRGINIA BEACH, STATE Beach, VA 23453-1827 OF VIRGINIA, BEING KNOWN, NUMBERED AND In execution of a Deed of Trust in the original principal DESIGNATED AS LOT 97, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION PLAT OF ROSEMONT amount of $100,100.00, dated July 6, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Vir- FOREST SECTION 2, PART 2B, KEMPSVILLE BOROUGH, VIRGINIA BEACH, VA." DATE 2/10/874, SCALE: 1'' = 50'. ginia Beach, Virginia, in Instrument 20070809001081030, default having occurred in the MADE BY ENGINEERING SERVICES, INC., CIVIL payment of the Note thereby secured and at the request ENGINEERING - LAND SURVEYING, VIRGINIA BEACH, of the holder of said Note, the under-signed Substitute WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE Trustee will offer for sale at public auction at the entrance OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 179, AT PAGE 9..TERMS OF SALE: to the Law Offices of Samuel I. White, P.C., 5040 ALL CASH. A bidder's deposit of ten percent (10%) of the Corporate Woods Drive, Suite 120, Virginia Beach, sale price or ten percent (10%) of the original principal Virginia, on May 17, 2012 at 3:00 balance of the subject deed of trust, whichever is lower, in o'clock pm the property described in said deed, the form of cash or certified funds payable to the located at the above address and briefly described as: Substitute Trustee must be present at the time of the sale. The balance of the purchase price will be due within Lot 7, Block 18 (erroneously referenced as Block fifteen (15) days of sale, otherwise Purchaser's deposit 16), Green Run P.U.D, Section B-2, Part 2, with may be forfeited to Trustee. Time is of the essence. Sale is improvements thereon. subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code prior to TERMS OF SALE: CASH: A deposit of $10,000.00, or the sale, as well as to post-sale confirmation and audit of 10% of the sales price, whichever is lower, cash or certi- the status of the loan with the loan servicer including, but fied check, will be required at the time of sale with set- not limited to, determination of whether the borrower tlement within fifteen (15) days from the date of sale. entered into any repayment agreement, reinstated or paid Sale is subject to post sale confirmation that the borrower off the loan prior to the sale. In any such event, the sale did not file for protection under the U.S. Bankruptcy Code shall be null and void, and the Purchaser's sole remedy, in prior to the sale, as well as to post-sale confirmation and law or equity, shall be the return of his deposit without audit of the status of the loan with the loan servicer interest . Additional terms to be announced at the sale. A including, but not limited to, determination of whether the form copy of the Trustee's memorandum of foreclosure borrower entered into any repayment agreement, reinstat- sale and contract to purchase real property is available for ed or paid off the loan prior to the sale. In any such event, viewing at www.bwwsales.com. This is a communication the sale shall be null and void, and the Purchaser’s sole from a debt collector and any information obtained will be remedy, in law or equity, shall be the return of his deposit used for that purpose. The sale is subject to seller without interest. Additional terms may be announced at confirmation. Substitute Trustee: Equity Trustees, LLC, the time of sale. Pursuant to the Federal Fair Debt Collec- 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, tion Practices Act, we advise you that this firm is a debt (703)548-4600. For information contact: BWW Law Group, collector attempting to collect the indebtedness referred LLC, attorneys for Equity Trustees, LLC, 4520 East West

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 www.bwwsales.com. This is a»communication BUSINESS MONDAY, MAY 7, 2012 52 »at INSIDE from a debt collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, SALE OF 3920 (703)548-4600. For information contact: BWW Law Group, TRUSTEE'S LLC, attorneys for Equity Trustees, LLC, 4520 East West Peridot Place, Virginia Beach, Highway, Suite 200, Bethesda, MD 20814, (301) VA 23456. In execution of a certain deed of trust 961-6555, website: www.bwwsales.com. BWW# 143230 dated July 28, 2008, in the original principal amount of A-4239934 05/07/2012, 05/14/2012 23022140 $260,347.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080801000907440, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court TRUSTEE'S SALE OF 3901 building for the City of Virginia Beach, 2425 Nimmo Thalia Trace Court, Virginia Parkway, Municipal Center, Building #10., Virginia Beach, Beach, VA 23452. In execution of a certain Virginia, on June 12, 2012, at 9:44 AM, deed of trust dated May 19, 2009, in the original principal the property described in said deed of trust, located at the amount of $126,400.00 recorded in the Clerk's Office, above address, and more particularly described as follows: Circuit Court for City of Virginia Beach, Virginia, in ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH Instrument No. 20090529000598060, default having THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, occurred in the payment of the Note thereby secured and LYING AND BEING IN THE CITY OF VIRGINIA BEACH, at the request of the holder, the undersigned Substitute VIRGINIA, AND BEING KNOWN, NUMBERED AND Trustee will offer for sale at public auction in the front of DESIGNATED AS LOT 37, IN BLOCK G, AS SHOWN ON the Circuit Court building for the City of Virginia Beach, THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF SALEM 2425 Nimmo Parkway, Municipal Center, Building #10., VILLAGES, SECTION THREE, PART 2, KEMPSVILLE BOROUGH-VIRGINIA BEACH, VIRGINIA IN MAP BOOK 160, Virginia Beach, Virginia, on June 12, 2012, at AT PAGE 17. REERENCE IS HEREBY MADE TO SAID PLAT 9:42 AM, the property described in said deed of FOR A MORE PARTICULAR DESCRIPTION OF SAID trust, located at the above address, and more particularly LOT..TERMS OF SALE: ALL CASH. A bidder's deposit of ten described as follows: ALL THAT CERTAIN LOT, PIECE OR percent (10%) of the sale price or ten percent (10%) of the PARCEL OF LAND, WITH THE BUILDINGS AND original principal balance of the subject deed of trust, IMPROVEMENTS THEREON AND THE APPURTENANCES whichever is lower, in the form of cash or certified funds THEREUNTO BELONGING, LYING, SITUATE AND BEING IN payable to the Substitute Trustee must be present at the THE KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA, time of the sale. The balance of the purchase price will be KNOWN, NUMBERED AND DESIGNATED AS LOT 1, BLOCK due within fifteen (15) days of sale, otherwise Purchaser's G, SECTION 3, THALIA TRACE, AS SHOWN ON THAT deposit may be forfeited to Trustee. Time is of the CERTAIN PLAT ENTITLED, "SUBDIVISION OF THALIA TRACE, essence. Sale is subject to post sale confirmation that the SECTION 3", DATED DECEMBER, 1980, WHICH SAID PLAT borrower did not file for protection under the U.S. IS DULY RECORDED IN THE CLERK'S OFFICE OF THE Bankruptcy Code prior to the sale, as well as to post- sale CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, confirmation and audit of the status of the loan with the VIRGINIA, IN MAP BOOK 151, AT PAGE 47.TERMS OF loan servicer including, but not limited to, determination of SALE: ALL CASH. A bidder's deposit of ten percent (10%) whether the borrower entered into any repayment of the sale price or ten percent (10%) of the original agreement, reinstated or paid off the loan prior to the principal balance of the subject deed of trust, whichever is sale. In any such event, the sale shall be null and void, and lower, in the form of cash or certified funds payable to the the Purchaser's sole remedy, in law or equity, shall be the Substitute Trustee must be present at the time of the sale. return of his deposit without interest . Additional terms to The balance of the purchase price will be due within be announced at the sale. A form copy of the Trustee's fifteen (15) days of sale, otherwise Purchaser's deposit memorandum of foreclosure sale and contract to may be forfeited to Trustee. Time is of the essence. Sale is purchase real property is available for viewing at subject to post sale confirmation that the borrower did not www.bwwsales.com. This is a communication from a debt file for protection under the U.S. Bankruptcy Code prior to collector and any information obtained will be used for the sale, as well as to post-sale confirmation and audit of that purpose. The sale is subject to seller confirmation. the status of the loan with the loan servicer including, but Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt not limited to, determination of whether the borrower Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For entered into any repayment agreement, reinstated or paid information contact: BWW Law Group, LLC, attorneys for off the loan prior to the sale. In any such event, the sale Equity Trustees, LLC, 4520 East West Highway, Suite 200, shall be null and void, and the Purchaser's sole remedy, in Bethesda, MD 20814, (301) 961-6555, website: law or equity, shall be the return of his deposit without www.bwwsales.com. BWW# 146322 A-4239905 interest . Additional terms to be announced at the sale. A 05/07/2012, 05/14/2012 23021978 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 TRUSTEE'S SALE OF 1308 confirmation. Substitute Trustee: Equity Trustees, LLC, Circle, Virginia 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, Snowflake (703)548-4600. For information contact: BWW Law Group, Beach, VA 23453. In execution of a certain LLC, attorneys for Equity Trustees, LLC, 4520 East West deed of trust dated November 24, 2010, in the original Highway, Suite 200, Bethesda, MD 20814, (301) principal amount of $155,417.00 recorded in the Clerk's 961-6555, website: www.bwwsales.com. BWW# 143808 Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20101130001260080, default having A-4239933 05/07/2012, 05/14/2012 23022054 occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., TRUSTEE'S SALE OF 720 Grant Virginia Beach, Virginia, on June 12, 2012, at Avenue, Virginia Beach, VA 9:45 AM, the property described in said deed of trust, 23452. In execution of a certain deed of trust dated located at the above address, and more particularly February 10, 2009, in the original principal amount of described as follows: ALL THAT CERTAIN LOT, PIECE OR $167,575.00 recorded in the Clerk's Office, Circuit Court PARCEL OF LAND WITH THE BUILDINGS AND for City of Virginia Beach, Virginia, in Instrument No. IMPROVEMENTS THEREON, LYING, BEING AND SITUATE IN 20090218000166830, default having occurred in the THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING payment of the Note thereby secured and at the request KNOWN, NUMBERED AND DESIGNATED AS LOT 57, AS of the holder, the undersigned Substitute Trustee will offer SHOWN ON THAT CERTAIN PLAT ENTITLED, "GREEN RUN for sale at public auction in the front of the Circuit Court P.U.D. SUBDIVISION, SECTION B-5, PART B-2", WHICH SAID building for the City of Virginia Beach, 2425 Nimmo PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE Parkway, Municipal Center, Building #10., Virginia Beach, CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 2431, AT PAGES 929 AND Virginia, on June 12, 2012, at 9:43 AM, 930.TERMS OF SALE: ALL CASH. A bidder's deposit of ten the property described in said deed of trust, located at the percent (10%) of the sale price or ten percent (10%) of the above address, and more particularly described as follows: original principal balance of the subject deed of trust, ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH whichever is lower, in the form of cash or certified funds THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, payable to the Substitute Trustee must be present at the LYING AND BEING IN THE CITY OF VIRGINIA BEACH, time of the sale. The balance of the purchase price will be VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED due within fifteen (15) days of sale, otherwise Purchaser's AS LOT THIRTEEN (13), AS SHOWN ON THE PLAT deposit may be forfeited to Trustee. Time is of the ENTITLED "SUBDIVISION OF HEJDO TERRACE, PRINCESS essence. Sale is subject to post sale confirmation that the ANNE BOROUGH, VIRGINIA BEACH, VA." MADE BY MARSH borrower did not file for protection under the U.S. AND BASGIER, INC., P.C., Bankruptcy Code prior to the sale, as well as to post-sale ENGINEERS-SURVEYORS-PLANNERS AND DATED MARCH confirmation and audit of the status of the loan with the 1976, WHICH SAID PLAT IS DULY RECORDED IN THE loan servicer including, but not limited to, determination of CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF whether the borrower entered into any repayment VIRGINIA BEACH, VIRGINIA IN MAP BOOK 113, AT PAGE agreement, reinstated or paid off the loan prior to the 56..TERMS OF SALE: ALL CASH. A bidder's deposit of ten sale. In any such event, the sale shall be null and void, and percent (10%) of the sale price or ten percent (10%) of the the Purchaser's sole remedy, in law or equity, shall be the original principal balance of the subject deed of trust, return of his deposit without interest . Additional terms to whichever is lower, in the form of cash or certified funds be announced at the sale. A form copy of the Trustee's payable to the Substitute Trustee must be present at the memorandum of foreclosure sale and contract to time of the sale. The balance of the purchase price will be purchase real property is available for viewing at due within fifteen (15) days of sale, otherwise Purchaser's www.bwwsales.com. This is a communication from a debt deposit may be forfeited to Trustee. Time is of the collector and any information obtained will be used for essence. Sale is subject to post sale confirmation that the that purpose. The sale is subject to seller confirmation. borrower did not file for protection under the U.S. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Bankruptcy Code prior to the sale, as well as to post-sale Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For confirmation and audit of the status of the loan with the information contact: BWW Law Group, LLC, attorneys for loan servicer including, but not limited to, determination of Equity Trustees, LLC, 4520 East West Highway, Suite 200, whether the borrower entered into any repayment Bethesda, MD 20814, (301) 961-6555, website: agreement, reinstated or paid off the loan prior to the www.bwwsales.com. BWW# 146323 A-4239904 sale. In any such event, the sale shall be null and void, and 05/07/2012, 05/14/2012 23021968 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 TRUSTEE'S SALE OF 4902 www.bwwsales.com. This is a communication from a debt collector and any information obtained will be used for Kemps Lake Drive, Virginia that purpose. The sale is subject to seller confirmation. Beach, VA 23462. In execution of a certain Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt deed of trust dated August 19, 2005, in the original Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For principal amount of $212,000.00 recorded in the Clerk's information contact: BWW Law Group, LLC, attorneys for Office, Circuit Court for City of Virginia Beach, Virginia, in Equity Trustees, LLC, 4520 East West Highway, Suite 200, Instrument No. 200508230134300, default having Bethesda, MD 20814, (301) 961-6555, website: occurred in the payment of the Note thereby secured and www.bwwsales.com. BWW# 145029 A-4239928 at the request of the holder, the undersigned Substitute 05/07/2012, 05/14/2012 23022029 Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:43 AM, the property described in said deed of trust, located at the above address, and more particularly

deed of trust dated August 19, 2005, in the original principal amount of $212,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 200508230134300, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:43 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT KNOWN AND NUMBERED AS UNIT 4902 IN THAT CERTAIN CONDOMINUIM ENTITLED KEMPS LAKE CONDOMINIUM, LOACTED IN THE CITY OF VIRGINIA BEACH, VIRGINIA, TOGETHER WITH AN UNDIVIDED INTEREST IN THE COMMON ELEMENTS APPERTAINING TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED IN THAT CERTAIN CONDOMINIUM DECLARATION DATED OCTOBER 1, 1997 AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 359, AT PAGE 1933, ET SEQ., AND THE EXHIBITS AND AMENDMENTS THERETO, TO WHICH CONDOMINIUM DECLARATION AND THE EXHIBITS AND AMENDMENTS THERETO REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136591 A-4239876 05/07/2012, 05/14/2012 23021929

the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:45 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, TOGETHER WITH THE IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED, AND DESIGNATED AS LOT 33A, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "RESUBDIVISION OF REDWING, SECTION ONE, PART TWO, LOTS 30 A & B THRU 96 A & B, PRINCESS ANNE BOROUGH - VIRGINIA BEACH, VIRGINIA", SCALE 1"=40', DATED NOVEMBER 11, 1980, MADE BY ROBERT T. ADDISON AND ASSOCIATES, LTD., SURVEYING-ENGINEERING, PORTSMOUTH, VIRGINIA, AND BY MILLER-FOX, P.C., CIVIL ENGINEERS, NORFOLK & VIRGINA BEACH, VIRGINIA, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 145, PAGE 31, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID LOT..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145193 A-4239874 05/07/2012, 05/14/2012 23021861

9:49 AM, the property described in said deed of trust,

located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS UNIT NUMBER FORTY-FOUR (44), IN PHASE FIVE (5), AS SHOWN ON THAT CERTAIN PLAT ENTITLED "PARK PLACE AT TOWNE SQUARE, A CONDOMINIUM, PHASE FIVE" RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA AS DOCUMENT NUMBER 200401300017162 AND IN THE DECLARATION OF CONDOMINIUM OF PLARK PLACE AT TOWNE SQUARE, A CONDOMINIUM, IN DOCUMENT NUMBER 200402050021639, AS AMENDED IN 200402230030365, AND THE EXHIBITS AND AMENDMENTS THERETO, TO WHICH CONDOMINIUM DECLARATION AND THE EXHIBITS AND AMENDMENTS THERETO REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION IS OF SAID UNIT; SAID CONDOMINIUM BEING A PORTION OF THE TOWNE SQUARE DEVELOPMENT RECORDED AS #200211043059021 DEVELOPED BY SANDLER DEVELOPMENT AT TOWNE SQUARE L.L.C RECORDED IN THE AFORESAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144631 A-4239867 05/07/2012, 05/14/2012 23021809

TRUSTEE'S SALE OF 220 Matt Lane, Virginia Beach, VA 23454. In execution of a certain deed of trust dated TRUSTEE'S SALE OF 5117 March 18, 2010, in the original principal amount of Indian River Road, Virginia TRUSTEE'S SALE OF 5129 $197,728.00 recorded in the Clerk's Office, Circuit Court Beach, VA 23464. In execution of a certain City of Virginia Beach, Virginia, in Instrument No. deed of trust dated December 17, 2007, in the original Andover Road, Virginia Beach, for 20100324000275160, default having occurred in the VA 23464. In execution of a certain deed of trust payment of the Note thereby secured and at the request principal amount of $238,322.00 recorded in the Clerk's

dated May 15, 2006, in the original principal amount of $175,500.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20061206001820370, and modified on March 28, 2008, to increase the principal balance to $191,707.60. This modification agreement was recorded in Instrument No. 20101216001327620, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:44 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 25, IN BLOCK A, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "PLAT OF INDIAN LAKES SUBDIVISION, SECTION B-1, KEMPSVILLE BOROUGH, VIRGINIA BEACH", SAID PLAT BEING DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 102, PAGES 49 AND 50.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145134 A-4239875 05/07/2012, 05/14/2012 23021876

TRUSTEE'S SALE OF 1224 Eaglewood Drive, Virginia Beach, VA 23454. In execution of a certain

deed of trust dated May 09, 2008, in the original principal amount of $223,236.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080512000554230, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:45 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, TOGETHER WITH THE IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED, AND DESIGNATED AS LOT 33A, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "RESUBDIVISION OF REDWING, SECTION ONE, PART TWO, LOTS 30 A & B THRU 96 A & B,

of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:46 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OR PARCEL OF LAND SITUATE IN THE CITY OF VIRGINIA BEACH, COMMONWEALTH OF VIRGINIA, AND BEING MORE PARTICULARLY DESCRIBED AS FOLLOWS: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 75, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT 'A' OF ADDITIONAL LOTS, WEST OCEANA GARDEN", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 29, PAGE 16..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145550 A-4239871 05/07/2012, 05/14/2012 2302183

TRUSTEE'S SALE OF 873 Brittlebank Drive, Virginia Beach, VA 23462. In execution of a certain

deed of trust dated May 27, 2005, in the original principal amount of $334,400.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 200506060084470, and modified on June 11, 2008, to increase the principal balance to $354,982.15. This modification agreement was recorded in Instrument No. 20080917001098050, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:49 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS UNIT NUMBER FORTY-FOUR (44), IN PHASE FIVE (5), AS SHOWN ON THAT CERTAIN PLAT ENTITLED "PARK PLACE AT TOWNE SQUARE, A CONDOMINIUM, PHASE FIVE" RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA AS DOCUMENT NUMBER 200401300017162 AND IN THE DECLARATION OF CONDOMINIUM OF PLARK PLACE AT TOWNE SQUARE, A

Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080204000127730, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:47 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN TRACT, PIECE OR PARCEL OF LAND. SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH (FORMERLY PRINCESS ANNE COUNTY), VIRGINIA, CONTAINING .27 ACRES OF LAND, MORE OR LESS, AND KNOWN AND DESIGNATED AS PARCEL "A", .27 AC., AS SHOWN AND DESCRIBED ON THAT CERTAIN PLAT ENTITLED "PROPERTY OF ST. MATTHEW A.M.E. CHURCH, LOCATED NEAR MEARS CORNER - PRINCESS ANNE COUNTY, VIRGINIA, SCALE: l INCH - 50', OCTOBER IS, 1958, W.B. GALLUPCOUNTY SURVEYOR, WHICH SAID PLAT IS RECORDED IN DEED BOOK 696 AT PAGE 355; REFERENCE TO THE SAID PLAT BEING HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION AND LOCATION OF THE SAID PARCEL OF LAND. LESS AND EXCEPT THAT PIECE OF PROPERTY CONVEYED TO THE CITY OF VIRGINIA BEACH RECORDED DECEMBER 4, 1989 IN DEED BQOK 2875 AT PAGE 1235..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136601 A-4239866 05/07/2012, 05/14/2012 23021778

TRUSTEE'S SALE OF 1820 KATHLEEN COURT, VIRGINIA BEACH, VA 23464 In execution of a Deed of Trust in the original principal amount of $256,000.00, with an annual interest rate of 6.3750% from Deborah Ann Melvin F/K/A Deborah Ann Gray dated January 25, 2007, recorded among the land records of the Circuit Court for the City Of Virginia Beach as Deed Book/Instrument Number 20070209000189700, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City Of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 30, 2012 at 11:30 AM, the property with improvements to wit: LOT 14, BLOCK I, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "CHARLESTOWNE LAKES SOUTH SECTION 3, PART "B", KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE

20070209000189700, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City Of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 30, 2012 at 11:30 AM, the property with improvements to wit: LOT 14, BLOCK I, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "CHARLESTOWNE LAKES SOUTH SECTION 3, PART "B", KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 170 AT PAGE 9. AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 09-166202D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23021597

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, on November 13, 2006, a certain Mortgage Deed of Trust was executed by William E. Councilman, as mortgagors, in favor of FINANCIAL FREEDOM SENIOR FUNDING CORPORATION as mortgagee and Robert E. Ruloff as Trustee, and was recorded on November 21, 2006, as Instrument Number 20061121001754580, in the Office of the Circuit Court for the City of Virginia Beach; Virginia; and WHEREAS, the Mortgage Deed of Trust was insured by the United States Secretary of Housing and Urban Development (the Secretary) pursuant to the National Housing Act for the purpose of providing single family housing; and WHEREAS, the Mortgage beneficial interest in the Deed of Trust is now owned by the Secretary, pursuant to an assignment dated June 9, 2010, and recorded on July 12, 2010, as Instrument Number 20100712000696640, in the Office of the Circuit Court, City of Virginia Beach, Virginia; and WHEREAS, a default has been made in the covenants and condition of the Mortgage Deed of Trust in that the payment due on November 24, 2011 was not made and remains wholly unpaid as of the date of this notice, and no payment has been made sufficient to restore the loan to currency; and WHEREAS, the entire amount delinquent as of May 29, 2012 is $308,852.31 and WHEREAS,by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Mortgage Deed of Trust to be immediately due and payable; NOW THEREFORE, pursuant to powers vested in me by the Single Family Mortgage Foreclosure Act of 1994, 12 U.S.C. 3751 et seq., by 24 CFR part 27, subpart B, and by the Secretary's designation of me as Foreclosure Commissioner, recorded on February 11, 2011, as Instrument Number 20110211000150080, notice is hereby given that on May 29, 2012 at 2:30 p.m. local time, all real and personal property at or used in connection with the following described premises ("Property") will be sold at public Auction to the highest bidder: Commonly known as: Lot 33, Section 2, Subdivision of Kempsville Colony With a Property address of: 5112 Rochelle Road Virginia Beach, Virginia 23464 The Sale will be held on May 29, 2012 at 2:30 p.m. at the main entrance to the building housing the Circuit Court for City of Virginia Beach, Virginia, 2425 Nimmo Parkway, Building 10, 4th Floor Virginia Beach, VA 23456-9017 The Secretary of Housing and Urban Development will be $308,852.31 There will be no proration of taxes, rents or other income or liabilities, except that the purchaser will pay, at or before closing, his prorata share of any real estate taxes that have been paid by the Secretary to the dated of the foreclosure sale. When making their bids, all bidders except the Secretary must submit a deposit totaling $30,000.00, 10% of the Secretary's bid, in the form of a certified check or cashier's check made out to the Secretary of HUD. (Deposit & Bid amounts subject to change) Each oral bid need not be accompanied by a deposit. If the successful bid is oral, a deposit of $30,000.00 must be presented before the bidding is closed. The deposit is nonrefundable. The remainder of the purchase price must be delivered within 30 days of the sale or at such other time as the Secretary may determine for good cause shown, time being of the essence. This amount, like the bid deposits, must be delivered In the form of a certified or cashier's check. If the Secretary is the high bidder, he need not pay the bid amount in cash. The successful bidder will pay all conveyance fees, all real estate and other taxes that are due on or after the delivery of the remainder of the payment and all other costs associated with the transfer of title. At the conclusion of the sale, the deposits of the unsuccessful bidders will be returned to them. The Secretary may grant an extension of time within which to deliver the remainder of the payment. All extensions will be for 15-day increments for a fee of $500.00, paid in advance. The extension fee shall be in the form of a certified or cashier's check made payable to the Secretary of HUD. If the high bidder closes the sale prior to the expiration of any extension period, the unused portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD Field Office representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder.

portion of the extension fee shall be applied toward the amount due. If the high bidder is unable to close the sale within the required period, or within any extensions of time granted by the Secretary, the high bidder may be required to forfeit the cash deposit or, at the election of the foreclosure commissioner after consultation with the HUD Field Office representative, will be liable to HUD for any costs incurred as a result of such failure. The Commissioner may, at the direction of the HUD Field Office Representative, offer the Property to the second highest bidder for an amount equal to the highest price offered by that bidder. There is no right of redemption, or right of possession based upon a right of redemption, in the mortgagor or others subsequent to a foreclosure completed pursuant to the Act. Therefore, the Foreclosure Commissioner will issue a Deed to the purchaser (s) upon receipt of the entire purchase price in accordance with the terms of the sale as provided herein. HUD does not guarantee that the property will be vacant. The scheduled foreclosure shall be cancelled or adjourned if it is established, by documented written application of the mortgager to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the defaults upon which the foreclosure is based did not exist at the time of service of this notice of default and foreclosure sale, or all amounts due under the mortgage agreement are tendered to the Foreclosure Commissioner, in the form of a certified or cashier's check payable to the Secretary of HUD, before public auction of the property is completed. The Amount that must be paid if the Mortgage is to be reinstated prior to the scheduled sale $308,852.31 as of May 29, 2012, plus all other amounts that would be due under the mortgage agreement if payments under the mortgage had not been accelerated, advertising costs and postage expenses incurred in giving notice, mileage by the most reasonable road distance for posting notices and for the Foreclosure Commissioner's attendance at the sale, reasonable and customary costs incurred for title and lien record searches, the necessary out-of-pocket costs incurred by the Foreclosure Commissioner for recording documents, a commission for the Foreclosure Commission, and all other costs incurred in connection with the foreclosure prior to reinstatement. Tender of payment by certified or cashier's check or application for cancellation of the foreclosure sale shall be submitted to the address of the Foreclosure Commissioner provided below. Foreclosure Commissioner Friedman & MacFadyen, P.A. FOR INFORMATION CONTACT: 1601 Rolling Hills Drive, Suite 125 Richmond, Virginia 23229 (804)288-0088 Phone (804)288-0052 Fax File #232009

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TRUSTEE'S SALE OF 3903 Thalia Trace Court, Virginia Beach, VA 23454. In execution of a certain

deed of trust dated August 04, 2006, in the original principal amount of $144,900.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20060808001206350, and modified on August 01, 2009, to increase the principal balance to $155,644.96, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:46 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, LYING, SITUATE AND BEING IN THE KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA, KNOWN, NUMBERED AND DESIGNATED AS LOT 2, IN BLOCK G, SECTION 3, THALIA TRACE, SECTION 3, DATED DECEMBER 1980, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 151, AT PAGE 47. 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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703 )548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 230212264

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AD Dates: May 7, 2012 May 14, 2012 May 21, 2012 23031381

BWW# 139146

TRUSTEE'S SALE OF 3904 Cromwell Park Drive, Virginia Beach, VA 23456. In execution of a certain

deed of trust dated September 20, 2006, in the original principal amount of $300,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20060926001462890, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on June 05, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT LOCATED IN THE CITY OF VIRGINIA BEACH, VIRGINIA, DESIGNATED AS UNIT 3904 CROMWELL PARK DRIVE, CROMWELL PARK AT SALEM, A CONDOMINUM, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN DECLARATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOWN AS "CROMWELL PARK AT SALEM, A CONDOMINIUM", DATED APRIL 28, 2004, AND RECORDED IN THE OFFICE OF THE CLERK OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, AS INSTRUMENT NUMBER 200404280066749. A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATIONS AND TO PLATS AND PLANS RECORDED IN SAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23021299 BWW# 80736

TRUSTEE'S SALE OF 3903 Thalia Trace Court, Virginia Beach, VA 23454. In execution of a certain

TRUSTEE'S SALE OF 1205 Reardon Circle, Virginia Beach, VA 23453. In execution of a certain

deed of trust dated January 12, 2007, in the original principal amount of $242,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20070118000079810, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:48 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THERERON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 5, IN BLOCK D, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "GREEN RUN P.U.D. SUBDIVISION SECTION A-4, PART 1", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 135, PAGES 26 AND 27.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23021237

TRUSTEE'S SALE OF 419 ADKINS ARCH Virginia Beach Virginia Pursuant to the terms of a deed of trust dated December 2, 2005, in the original principal amount of $175,000.00, recorded in the Clerk's Office, Circuit Court for the City of Virginia Beach, Virginia, as Instrument Number 20051212001984210, the property briefly described below will be offered for sale at public auction. Unit 419, Building 9, Adkins Reserve, A Condominium, as the same is duly dedicated, platted and recorded in Deed Book 4155 at page 584, among the land records for the City of Virginia Beach, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 22, 2012 at 1:00 p.m. at the main entrance of the building housing the Circuit Court for the City of Virginia Beach, Virginia. Terms: A deposit in the form of certified funds in the amount of $15,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time

the same is duly dedicated, platted and recorded in Deed Book 4155 at page 584, among the land records for the City of Virginia Beach, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property").

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For The sale will take place on May 22, 2012 at information contact: BWW Law Group, LLC, attorneys for 1:00 p.m. at the main entrance of the building Trustees, LLC, 4520 East West Highway, Suite 200, » INSIDE » 53 BUSINESS MONDAY, MAYEquity 7, 2012 housing the Circuit Court for the City of Virginia Beach, Vir- Bethesda, MD 20814, (301) 961-6555, website: ginia. www.bwwsales.com. BWW# 143619 A-4238957 05/07/2012, 05/14/2012 23019786 Terms: A deposit in the form of certified funds in the amount of $15,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of TRUSTEE'S SALE OF the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller 4111 MACARTHUR ROAD, confirmation. Pursuant to the Federal Fair Debt CollecVIRGINIA BEACH, VA 23453 tion Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred In execution of a Deed of Trust in the original principal to herein and any information we obtain will be used for amount of $82,000.00, with an annual interest rate of that purpose. 7.3500% from AMY CAMPBELL AND NANCY CAMPBELL dated March 23, 2005, recorded among the land records F & M Services, L.C., Substitute Trustees of the Circuit Court for the CITY OF VIRGINIA BEACH as Deed Book/Instrument Number 200507080104059, the FOR INFORMATION CONTACT: undersigned appointed Substitute Trustee will offer for Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, sale at public auction in the CITY OF VIRGINIA BEACH, AT Ste. 125, Richmond, Virginia 23229, THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & Telephone: (804) 288-0088 ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE Ref#232225 215, VIRGINIA BEACH, VIRGINIA on June 6, 2012 at 11:30 AM, the property with improvements to Ad dates: May 7, 2012 May 14, 2012 wit: 23021093

Trustee's Sale 1632 Pattington Circle, Virginia Beach, Virginia 23454 (Tax ID No. 24156469621632) Default having been made in the terms of a certain Deed of Trust dated February 28, 2006, in the original principal amount of $199,192.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument Number 20060301000324310, the undersigned Substitute Trustees will sell at public auction on June 1, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Unit No. 1632, in Wellington at Dam Neck Condominium, together with an undivided interest in the common elements, as defined and described in the Declaration of Wellington at Dam Neck Condominium dated October 17, 1996, which is recorded in the aforesaid Clerk's Office in Deed Book 3673, at Page 1017. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $19,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 97979, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only.

TRUSTEE'S SALE OF 1521 New York Avenue, Virginia Beach, VA 23454. In execution of a certain deed of trust

dated October 14, 2010, in the original principal amount of $196,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20101018001095180, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:45 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, BEING SITUATE IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT EIGHT (8), IN BLOCK B, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "OCEANA TERRACE", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 7, AT PAGE 147. LESS, SAVE AND EXCEPT THAT PROPERTY CONVEYED TO THE CITY OF VIRGINIA BEACH, ON MAY 26, 1999, BY INSTRUMENT RECORDED IN DEED BOOK 4098 AT PAGE 742..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143619 A-4238957 05/07/2012, 05/14/2012 23019786

LOT NUMBERED ONE HUNDRED THIRTY-SEVEN (137), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "GREEN RUN P.U.D. SUBDIVISION, SECTION E-4 (PREVIOUSLY SHOWN AS G-4), PART 2", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 144 AT PAGE 41. AND further described in the above Deed of Trust. (Tax Map No. 1475-98-9198-0000) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $8,200.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-201356V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23019495

TRUSTEE'S SALE OF 1319 TAIT CLOSE, VIRGINIA BEACH, VA 23456 In execution of a Deed of Trust in the original principal amount of $108,000.00, with an annual interest rate of 6.6250% from George C. Bunch dated October 19, 2007, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 20071026001448720, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 23, 2012 at 11:30 AM, the property with improvements to wit: Building 700, Unit 702, in that certain condominium entitled Lake Princess Anne, A Condominium, located in the City of Virginia Beach, Virginia, all as more particularly described, designated and shown in that certain Condominium Declaration dated August 15, 1986, and recorded in the Clerk's office of the Circuit Court of the City of Virginia Beach, Virginia, in Deed Book 2573, at page 1723, and more particular description of said unit. Less and except that portion of property conveyed to the City of Virginia Beach, Virginia, by Deed recorded in Deed Book 3779, at page 1197. AND further described in the above Deed of Trust. (Tax Map No. 1475-88-2041-3300) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $10,800.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 12-225925. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23019476

TRUSTEE'S SALE OF 2165 Catworth Drive Virginia Beach, VA 23456

In execution of a Deed of Trust in the original principal amount of $286,000.00, from Shunita L. Vaughan, Grantor(s), dated July 1, 2005, recorded among the land records of the Circuit Court for the City of Virginia Beach on July 8, 2005 as Instrument #200507080104414, the undersigned appointed Substitute Trustee will offer for sale at public auction at the Courthouse Steps for the Circuit Court of the City of Virginia Beach, 2425 Nimmo Parkway, Virginia Beach, VA on May 23, 2012 at 1:45PM, the property with the improvements thereon, if any, to wit: All That certain condominium unit located in the City of Virginia Beach, Virginia, designated as Unit 2165 (IRTA 2615), Cromwell Park at Salem, a Condominium, together with an undivided fractional interest in certain common elements appurtenant to said Unit, all as more particularly described, designated and shown in that certain Declaration of Condominium establishing a condominium known as ''Cromwell Park at Salem, a condominium'', dated April 28, 2004, and recorded in the Office of the Clerk of the Circuit Court of the City of Virginia Beach, Virginia, as Instrument Number 200404280066749. A description of the Unit, the common elements and the fractional interest, which will change from time to time depending upon the number of Units created, can be determined by reference to said Declaration and to plats and plans recorded in said Clerk's Office. And more fully described in the above Deed of Trust. Commonly known as 2165 Catworth Drive, Virginia Beach, VA 23456. Tax ID: 14749777010326. TERMS OF SALE: ALL CASH. A bidder's deposit of $12,000.00 or 10% of the sale price will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit.

Virginia, as Instrument Number 200404280066749. A Raymond E. Smith and Janice M. Smith dated May 12, description of the Unit, the common elements and the 2006 and recorded in the Clerk's Office, Circuit Court, City fractional interest, which will change from time to time of Virginia Beach, Virginia, as instrument number depending upon the number of Units created, can be 20060522000768570, securing a loan which was determined by reference to said Declaration and to plats originally $205,000.00. Default having occurred in the and plans recorded in said Clerk's Office. And more fully payment of the Note thereby secured, and at the request of the 7, holder of said Note, the undersigned Substitute described the above Deed of Trust. Commonly known as MAY » MONDAY, BUSINESS 2012 54 »inINSIDE 2165 Catworth Drive, Virginia Beach, VA 23456. Tax ID: Trustees will offer for sale at public auction at the City of Virginia Beach City Hall Municipal Building #1, near the 14749777010326. TERMS OF SALE: ALL CASH. A bidder's deposit of corner of Princess Anne & North Landing, the main $12,000.00 or 10% of the sale price will be required in entrance, Virginia Beach Virginia on May 18, cash, certified or cashier's check. Settlement within fifteen 2012 at 8:30 AM, the property described in (15) days of sale, otherwise Trustee may forfeit deposit. said Deed of Trust, located at the above address and Additional terms to be announced at sale. This notice is an briefly described as: Lot 188, Subdivision of Kempsville attempt to collect on a debt and any information obtained Plantation, Part 1. Tax ID/PIN: 14756436010000 The will be used for that purpose. property will be conveyed by Special Warranty Deed, Loan Type: Conv/Conv (Trustee # 522696) subject to all existing easements, restrictions and any Substitute Trustee: ALG Trustee, LLC, C/O Atlantic other conditions that may affect title to the property. The Law Group, LLC PO Box 2548, Leesburg, VA 20177, Noteholder reserves the right to bid at the said sale. 703-777-7101, website: http://www.atlanticlawgrp.com TERMS: CASH: A bidder's deposit of $10,000.00, cash or (05-07-12, 05-14-12)(287768) 23019163 certified check, will be required at the time of sale with the settlement and full payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and TRUSTEE'S SALE OF deliver to the Substitute Trustee a memorandum or 129 SAW GRASS BEND 14D1, contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any VIRGINIA BEACH, VA 23451 information obtained will be used for that purpose. Loan In execution of a Deed of Trust in the original principal Type: CONV VT1225810 FOR INFORMATION CONTACT: amount of $111,000.00, with an annual interest rate of Between 8 - 11 AM Nectar Projects, Inc. - Substitute 8.2500% from Benjamin E. Wilde dated August 21, 2006, Trustees P.O. Box 2848 Purcellville VA 20134 (540) recorded among the land records of the Circuit Court for 751-1260 A-4236880 05/07/2012, 05/14/2012 the City of Virginia Beach as Deed Book/Instrument 23017083 Number 20060828001299610, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, TRUSTEE SALE 4847 Tunlaw Virginia Beach, VA. VIRGINIA BEACH, VIRGINIA on May 23, 2012 at Court 23462 In execution of a Deed of Trust from Karen L. 11:30 AM, the property with improvements to wit: Campbell dated March 29, 1995 and recorded in the ALL THAT certain condominium unit, designated as Unit Clerk's Office, Circuit Court, City of Virginia Beach, Virginia, 14D-1, situated, lying and being in the condominium in Deed Book 3485, at page 1976, securing a loan which project as "SAWGRASS CONDOMINIUM" a condominium was originally $79,050.00. Default having occurred in the located in the City of Virginia Beach, Virginia, together with payment of the Note thereby secured, and at the request an undivided fractional interest in certain common of the holder of said Note, the undersigned Substitute elements appurtenant to said unit, all as more particularly Trustees will offer for sale at public auction at the City of described, designated and situated in the certain Virginia Beach City Hall Municipal Building #1, near the Declaration establishing a condominium known as corner of Princess Anne & North Landing, the main "SAWGRASS CONDOMINIUM", dated the 1st day of April, entrance, Virginia Beach Virginia on May 18, 1984 and duly recorded in the Clerk's Office of the Circuit 2012 at 8:30 AM, the property described in Court of the City of Virginia Beach, Virginia, in Deed Book said Deed of Trust, located at the above address and 2374, at page 1924 and Amendments duly recorded in briefly described as: Lot 216, Block A, Amended the aforesaid Clerk's Office pertaining to said Unit, said Subdivision of Kempsville Lake, Phase 5, Kempsville Declaration being hereinafter sometimes referred to as Borough. Tax ID/PIN: 14760825080000 The property will the "Declaration", the fee simple interest in the land be conveyed by Special Warranty Deed, subject to all comprising part of the common elements of said existing easements, restrictions and any other conditions condominium has been subjected by the Declaration to that may affect title to the property. The Noteholder the condominium and the description of the said land and reserves the right to bid at the said sale. TERMS: CASH: A the buildings and their respective areas can be bidder's deposit of $5,000.00, cash or certified check, will determined by reference to the Declaration and recorded be required at the time of sale with the settlement and full plats and plans. payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be AND further described in the above Deed of Trust. (Tax announced at the time of sale and the successful bidder Map No. 241-763-39670-078) will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the THIS COMMUNICATION IS FROM A DEBT COLLECTOR. conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for TERMS OF SALE: ALL CASH. A bidder's deposit of that purpose. Loan Type: CONV VT1225884 FOR $11,100.00 or 10% of the sale price, whichever is INFORMATION CONTACT: Between 8 - 11 AM Nectar lower, will be required in cash, certified or cashier's Projects, Inc. - Substitute Trustees P.O. Box 2848 check. Settlement within fifteen (15) days of sale, Purcellville VA 20134 (540) 751-1260 A-4237214 otherwise Trustees may forfeit deposit. Additional terms 05/07/2012, 05/14/2012 23017041 to be announced at sale. Loan type: Conventional. Trustee's File No. 11-224844. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia TRUSTEE'S SALE OF 2249 Beach, Virginia 23462 (757) 687-8777. Trant Lake Drive, Virginia 23018676 Beach, VA 23454. In execution of a certain deed of trust dated May 19, 2009, in the original principal amount of $319,113.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument TRUSTEE'S SALE OF No. 20090520000558420, default having 2412 HOOD DRIVE, occurred in the payment of the Note thereby secured and at the request of the holder, the VIRGINIA BEACH, VA 23454 undersigned Substitute Trustee will offer for In execution of a Deed of Trust in the original principal sale at public auction in the front of the Circuit amount of $380,000.00, with an annual interest rate of Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, 3.0000% from John Michael Talliere and Lori Michelle Building #10., Virginia Beach, Virginia, on Talliere dated June 14, 2006, recorded among the land records of the Circuit Court for the CITY OF VIRGINIA May 22, 2012, at 9:42 AM, the property described in said deed of trust, BEACH as Deed Book/Instrument Number located at the above address, and more 2006061600906500, the undersigned appointed particularly described as follows: ALL THAT Substitute Trustee will offer for sale at public auction in CERTAIN LOT, PIECE OR PARCEL OF LAND, the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW WITH THE BUILDINGS AND IMPROVEMENTS OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 THEREON AND APPURTENANCES THEREUNTO CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, BELONGING, LYING, SITUATE AND BEING IN VIRGINIA on May 23, 2012 at 11:30 AM , THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED the property with improvements to wit: AS LOT NUMBER FIFTEEN (15), BLOCK A, AS SHOWN ON THAT CERTAIN PLAT ENTITLED LOT ONE HUNDRED FORTY-SEVEN (147) AS SHOWN ON "SUBDIVISION OF LAUREL COVE, SECTION ONE, THAT CERTAIN PLAT ENTITLED "SECTION THREE LYNNHAVEN BOROUGH, VIRGINIA BEACH, SOUTHERN POINTS", SAID PLAT BEING DULY RECORDED VIRGINIA", DATED FEBRUARY 1969, MADE BY IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE FRANK D. TARRELL, JR. AND ASSOCIATES, CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 62, AT SURVEYORS AND ENGINEERS, WHICH SAID PAGE 12. PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF AND further described in the above Deed of Trust. (Tax VIRGINIA BEACH, VIRGINIA IN MAP BOOK 80, AT PAGE 19..TERMS OF SALE: ALL CASH. A Map No. 1498-83-3402-0000) bidder's deposit of ten percent (10%) of the sale price or ten percent (10%) of the original THIS COMMUNICATION IS FROM A DEBT COLLECTOR. principal balance of the subject deed of trust, TERMS OF SALE: ALL CASH. A bidder's deposit of whichever is lower, in the form of cash or certified funds payable to the Substitute $15,000.00 or 10% of the sale price, whichever is Trustee must be present at the time of the lower, will be required in cash, certified or cashier's sale. The balance of the purchase price will be check. Settlement within fifteen (15) days of sale, due within fifteen (15) days of sale, otherwise otherwise Trustees may forfeit deposit. Additional terms Purchaser's deposit may be forfeited to to be announced at sale. Loan type: Conventional. Trustee. Time is of the essence. Sale is subject Trustee's File No. 11-214555D. to post sale confirmation that the borrower did PROFESSIONAL FORECLOSURE CORPORATION OF not file for protection under the U.S. VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & Bankruptcy Code prior to the sale, as well as ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia to post-sale confirmation and audit of the status of the loan with the loan servicer Beach, Virginia 23462 (757) 687-8777. including, but not limited to, determination of 23017117 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 TRUSTEE SALE 1900 Haywards be the return of his deposit without interest . Heath Virginia Beach, VA. Additional terms to be announced at the sale. A form copy of the Trustee's memorandum of 23456 In execution of a Deed of Trust from Raymond E. Smith and Janice M. Smith dated May 12, foreclosure sale and contract to purchase real property is available for viewing at 2006 and recorded in the Clerk's Office, Circuit Court, City www.bwwsales.com. This is a communication of Virginia Beach, Virginia, as instrument number from a debt collector and any information 20060522000768570, securing a loan which was obtained will be used for that purpose. The originally $205,000.00. Default having occurred in the sale is subject to seller confirmation. payment of the Note thereby secured, and at the request Substitute Trustee: Equity Trustees, LLC, 8100 of the holder of said Note, the undersigned Substitute Three Chopt Rd., Suite 240, Richmond, VA Trustees will offer for sale at public auction at the City of 23229, (703)548-4600. For information Virginia Beach City Hall Municipal Building #1, near the contact: BWW Law Group, LLC, attorneys for corner of Princess Anne & North Landing, the main Equity Trustees, LLC, 4520 East West Highway, entrance, Virginia Beach Virginia on May 18, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 2012 at 8:30 AM, the property described in BWW# 145339 A-4237285 04/30/2012,

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145339 A-4237285 04/30/2012, 05/07/2012 23012533

collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-006446-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012403

TRUSTEE'S SALE OF 5417 Sir TRUSTEE'S SALE OF 1308 Barton Drive, Virginia Beach, Wythe Lane, Virginia Beach, VA 23462. In execution of a certain deed VA 23451. In execution of a certain deed

of trust dated March 26, 2008, in the original principal amount of $249,032.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080401000363350, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:43 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT SIX (6), IN BLOCK R, AS SHOWN ON THE PLAT OF OF SUBDIVISION OF CAROLANNE FARMS, SECTION THREE (3), WHICH SAID PLAT IS DULY OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 55, AT PAGE 1..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145334 A-4237274 04/30/2012, 05/07/2012 23012524

TRUSTEE SALE 3215 Lakecrest Rd, Virginia Beach, VA 23452-4909 In execution of a Deed of Trust in the original principal amount of $88,000.00, dated January 24, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 200501310016326, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I.

White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 17, 2012 at 3:00 o'clock pm the property

described in said deed, located at the above address and briefly described as: Site 1, Block B, SUBDIVISION PLAT OF PRINCESS ANNE PLAZA, Section 17, PARCEL B, recorded in Map Book 84, at page 6, with improvements thereon. Together with the right of ingress and egress over that certain strip of land 24 feet wide. TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-006446-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net

of trust dated December 16, 2005, in the original principal amount of $600,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20051221002044420, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:44 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE ORPARCEL OFLAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT ONE (1) IN BLOCK "K" AS SHOWN ON THE PLAT ENTITLED "SECTION 1, BAY COLONY DEVELOPMENT, PRINCESS ANNE COUNTY, VIRGINIA, SCALE: 1" = 100', JOHN M. BALDWIN, C. E., NORFOLK, VA" WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 22, AT PAGE 5, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144484 A-4237289 04/30/2012, 05/07/2012 23012175

TRUSTEE'S SALE OF 5212 Nuthall Drive, Unit # 306, Virginia Beach, VA 23455. In

execution of a certain deed of trust dated April 07, 2008, in the original principal amount of $180,002.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080409000405220, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:40 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT LOCATED IN THE CITY OF VIRGINIA BEACH, VIRGINIA, DESIGNATED AS UNIT 5212-306, SOUTHMOOR AT RIDGLEY MANOR, A CONDOMINIUM, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARY DESCRIBED, DESIGNATED AND SHOWN IN THE CERTAIN DECLARATION OF CONDOMINIUM, ESTABLISHING A CONDOMINIUM KNOWN AS "SOUTHMOOR AT RIDGLEY MANOR, A CONDOMINIUM", DATED MARCH 13, 2008 AND DULY RECORDED IN THE OFFICE OF THE CLERK OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN INSTRUMENT NUMBER 20080317000295350. A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUNBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATION AND TO PLATS AND PLANS RECORDED IN THE SAID CLERK'S OFFICE..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

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145120 A-4237287 04/30/2012, 05/07/2012 23012160

TRUSTEE'S SALE OF 925 Norfleet Road, Virginia Beach, VA 23464. In execution of a certain deed

of trust dated September 30, 2009, in the original principal amount of $201,286.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20091001001157020, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH (FORMERLY KEMPSVILLE MAGISTERIAL DISTRICT, PRINCESS ANNE COUNTY), VIRGINIA, KNOWN, NUMBERED AND DESIGNATED AS LOT NUMBERED FOUR (4), IN BLOCK TWO (2), ON THE "PLAT OF BALLYLINN FARM", PROPERTY OF C. W. NORFLEET, MADE BY W.B. GALLUP, COUNTY SURVEYOR, AMY 15TH, 1951, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 27, AT PAGE 55, REFERENCE BEING MADE TO SAID PLAT FOR A MORE PARTICULAR DESCRIPTION THEREOF..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145180 A-4237286 04/30/2012, 05/07/2012 23012149

TRUSTEE'S SALE OF 1325 Sierra Drive, Virginia Beach, VA 23453. In execution of a certain deed

of trust dated October 13, 2009, in the original principal amount of $136,482.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20091015001209950, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:43 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 4, IN BLOCK N, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF GREEN RUN P.U.D. SUBDIVISION, SECTION M-2, PART 2, PRINCESS ANNE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS RECORDED IN THE CLERK'S OFFICE, CIRCUIT COURT, CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 106, PAGE 30, AND TO WHICH REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY..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

CERTAIN PLAT ENTITLED, "PLAT OF GREEN RUN P.U.D. SUBDIVISION, SECTION M-2, PART 2, PRINCESS ANNE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS RECORDED IN THE CLERK'S OFFICE, CIRCUIT COURT, CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 106, PAGE 30, AND TO WHICH REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145361 A-4237283 04/30/2012, 05/07/2012 23012142

TRUSTEE'S SALE OF 4341 Duffy Drive, Virginia Beach, VA 23462. In execution of a certain deed

of trust dated December 11, 2008, in the original principal amount of $192,261.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20081212001406650, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:44 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT LOCATED IN THE CITY OF VIRGINIA BEACH, VIRGINIA, DESIGNATED AS UNIT 4341, THE VILLAS AT BELLAMY, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN DECLARATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOWN AS "THE VILLAS AT BELLAMY, A CONDOMINIUM", DATED JUNE 5, 2007, AND RECORDED IN THE OFFICE OF THE CLERK OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, AS INSTRUMENT NUMBER 20070608000779970 A DESCRIPTLON OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATION AND TO PLATS AND PLANS RECORDED IN SAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145593 A-4237282 04/30/2012, 05/07/2012 23012135

TRUSTEE'S SALE OF 813 Armistine Court, Virginia Beach, VA 23462. In execution of a

certain deed of trust dated August 19, 2004, in the original principal amount of $85,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 200408230133869, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:45 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS

occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:45 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN WEBLIN POINTE, VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 3, IN BLOCK B, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "RESUBDIVISION OF LOTS 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75 AND 76, LAKE EDWARD NORTH, SECTION SIX-A, NOW KNOWN AS WEBLIN POINTE" WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 162 AT PAGE 26..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 146335 A-4237279 04/30/2012, 05/07/2012 23012090

TRUSTEE'S SALE OF 4833 Afton Court, Virginia Beach, VA 23462. In execution of a certain deed

of trust dated September 22, 2006, in the original principal amount of $135,299.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20060928001475570, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:40 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 161, BLOCK A, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "AMENDED SUBDIVISION OF KEMPSVILLE LAKE, PHASE FIVE (REF. M.B. 181, PG 42), KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 185, AT PAGE 27. IT BEING THE SAME PROPERTY CONVEYED TO BRIAN M. CHERWA AND MICHELLE A. CHERWA, HUSBAND AND WIFE, BY DEED FROM BRIAN M. CHERWA DATED 4-28-05 AND RECORDED 5-10-05 AT INSTRUMENT NUMBER 200505100070117..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 132656 A-4237278 04/30/2012, 05/07/2012 23012081

TRUSTEE'S SALE OF 3074 Blitz Court, Virginia Beach, VA 23453. In execution of a certain deed of

trust dated July 15, 2008, in the original principal amount of $166,460.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No.

TRUSTEE'S SALE OF 3074 Blitz Court, Virginia Beach, VA 23453. In execution of a certain deed of

trust dated July 15, 2008, in the original principal amount of $166,460.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080721000856790 and re-recorded as Instrument No. 20081112001306800, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OFLAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 21, SITE 2, BLOCK D, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "RESUBDIVISION OF PRINCESS ANNE PLAZA, SECTION TWENTY-TWO (22), MAGIC HOLLOW PUD", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 90, AT PAGE 9..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144886 A-4237277 04/30/2012, 05/07/2012 23012073

TRUSTEE'S SALE OF 1425 Collingswood Trail, Virginia Beach, VA 23464. In execution of a

certain deed of trust dated February 22, 2010, in the original principal amount of $203,245.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20100226000185520, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:42 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, BEING AND SITUATE IN THE CITY OF VIRGINIA BEACH, VIRGINIA AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 32, IN BLOCK I, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF ROSEMONT FOREST, SECTION 8, PART 1, KEMPSVILLE BOROUGH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CELRK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 182 AT PAGE 49..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144912 A-4237276 04/30/2012, 05/07/2012 23012049

obtained will be used for that purpose. The the sale shall be null and void, and the sale is subject to seller confirmation. Purchaser's sole remedy, in law or equity, shall Substitute Trustee: Equity Trustees, LLC, 8100 be the return of his deposit without interest . Three Chopt Rd., Suite 240, Richmond, VA Additional terms to be announced at the sale. 23229, (703)548-4600. For information A form copy of the Trustee's memorandum of contact: BWW Law Group, LLC, attorneys for foreclosure sale and contract to purchase real Equity Trustees, LLC, 4520 East West Highway, property is available for viewing at Suite 200, Bethesda, MD MONDAY, 20814, (301) is a communication » 55 BUSINESS MAYwww.bwwsales.com. 7, 2012 » INSIDEThis 961-6555, website: www.bwwsales.com. from a debt collector and any information BWW# 144912 A-4237276 04/30/2012, obtained will be used for that purpose. The 05/07/2012 23012049 sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Trustees, LLC, 4520 East West Highway, TRUSTEE'S SALE OF 4851 Equity Suite 200, Bethesda, MD 20814, (301) Tunlaw Court, Virginia Beach, 961-6555, website: www.bwwsales.com. VA 23462. In execution of a certain deed BWW# 144939 A-4237272 04/30/2012, of trust dated July 26, 2008, in the original 05/07/2012 23011971 principal amount of $224,845.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080731000899630, default having occurred in the payment of the Note thereby Trustee's Sale secured and at the request of the holder, the 473 Adkins Arch, Virginia undersigned Substitute Trustee will offer for Beach, Virginia 23462 sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, (Tax ID No. 14676890870473) 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on Default having been made in the terms of a May 15, 2012, at 9:40 AM, the certain Deed of Trust dated July 11, 2007, in property described in said deed of trust, the original principal amount of $166,500.00 located at the above address, and more and recorded in the Clerk's Office of the Circuit particularly described as follows: THE Court of the City of Virginia Beach, Virginia as FOLLOWING DESCRIBED PROPERTY, TO-WIT: Instrument No. 20070730001028680, the ALL THAT CERTAIN LOT, PIECE OR PARCEL OF undersigned Substitute Trustees will sell at LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING public auction on May 11, 2012, at AND BEING IN THE CITY OF VIRGINIA BEACH, 8:45 a.m., in front of the building housing VIRGINIA, BEING KNOWN, NUMBERED AND the Virginia Beach Circuit Court, facing Nimmo DESIGNED AS LOT 218, BLOCK A, AS SHOWN Parkway (Building 10), Virginia Beach Judicial ON THAT CERTAIN PLAT ENTITLED, "AMENDED Center, 2425 Nimmo Parkway, Virginia Beach, SUBDIVISION OF KEMPSVILLE LAKE, PHASE VA, the property designated as Unit 473, FIVE, (REFERNCE MB 181, PAGE42), Building 7, Adkins Reserve, a condominium, KEMPSVILLE BOROUGH, VIRGINIA BEACH, located in the aforesaid City and as further VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS designated and described in that certain Declaration entitled RECORDED IN THE CLERK'S OFFICE OF THE Condominium CIRCUIT COURT OF THE CITY OF VIRGINIA "Declaration of Condominium of Adkins BEACH, IN MAP BOOK 185, AT PAGE Reserve, a Condominium", recorded October 27..TERMS OF SALE: ALL CASH. A bidder's 12, 1999 in the aforesaid Clerk's Office in deposit of ten percent (10%) of the sale price Deed Book 4155, at Page 564, together with or ten percent (10%) of the original principal its applicable undivided interest in certain balance of the subject deed of trust, whichever common elements, all as more particularly is lower, in the form of cash or certified funds described and allocated in the Declaration, as payable to the Substitute Trustee must be amended from time to time. present at the time of the sale. The balance of Sale is subject to all prior liens, easements, the purchase price will be due within fifteen restrictions, covenants, and conditions, if any, (15) days of sale, otherwise Purchaser's of record, or other matters which would be deposit may be forfeited to Trustee. Time is of disclosed by an accurate survey or inspection the essence. Sale is subject to post sale of the premises. TERMS: CASH. A deposit of confirmation that the borrower did not file for $16,500.00 or 10% of the sale price, protection under the U.S. Bankruptcy Code whichever is lower, will be required of the prior to the sale, as well as to post- sale successful bidder at time of sale. Prior to the confirmation and audit of the status of the sale, interested bidders will be required to loan with the loan servicer including, but not register with and must present a bid deposit limited to, determination of whether the which may be held during the sale by the borrower entered into any repayment trustee. The bid deposit must be certified agreement, reinstated or paid off the loan funds and/or cash, but no more than prior to the sale. In any such event, the sale $10,000.00 of cash will be accepted. The shall be null and void, and the Purchaser's sole successful bidder’s deposit will be retained at remedy, in law or equity, shall be the return of the sale and applied to the sale price. If held his deposit without interest . Additional terms by the trustee, all other bid deposits will be to be announced at the sale. A form copy of returned to the unsuccessful bidders. the Trustee's memorandum of foreclosure sale Settlement is to be made within 15 days. The and contract to purchase real property is successful bidder will be required to execute a available for viewing at www.bwwsales.com. Memorandum of Trustee's Sale, available for This is a communication from a debt collector review on the Foreclosure Sales page of outlining additional and any information obtained will be used for www.glasserlaw.com, that purpose. The sale is subject to seller terms of sale and settlement. A Trustee’s Deed confirmation. Substitute Trustee: Equity will be prepared by Trustee’s attorney at high Trustees, LLC, 8100 Three Chopt Rd., Suite bidder’s expense. This is a communication 240, Richmond, VA 23229, (703)548-4600. from a debt collector. Glasser and Glasser, For information contact: BWW Law Group, LLC, P.L.C. and/or Atlantic Trustee Services, L.L.C., attorneys for Equity Trustees, LLC, 4520 East Substitute Trustees, Crown Center Building, West Highway, Suite 200, Bethesda, MD Suite 600, 580 East Main Street, Norfolk, VA 20814, (301) 961-6555, website: 23510, File No. 97288, Tel: (757) 321-6465, www.bwwsales.com. BWW# 144227 Between 10:00 a.m. & 12:00 noon only. A-4237273 04/30/2012, 05/07/2012 23011517 23011986

Trustee's Sale 612 16th Street, Virginia TRUSTEE'S SALE OF 1221 Beach, Virginia 23451 Tyler Court, Virginia Beach, (Tax ID No. 24179671100000) VA 23456. In execution of a certain deed

of trust dated November 06, 2007, in the original principal amount of $302,800.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20071113001523610, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 15, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 15, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF GLENWOOD, PHASE 5B, SECTION 2, KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 231 AT PAGE 25..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information

Default having been made in the terms of a certain Deed of Trust dated December 22, 2005, in the original principal amount of $195,000.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20051229002087600, the undersigned Substitute Trustees will sell at public auction on May 11, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Lots 27 and 28, in Block 17, as shown on that certain plat entitled "Plat of Lakewood", which said plat is duly recorded in the aforesaid Clerk's Office in Map Book 7, at page 100. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $19,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92910, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23011515 BWW# 110847

TRUSTEE'S SALE OF 805 Hampstead Court, Virginia Beach, VA 23462. In execution of a certain

TRUSTEE SALE 3208 Lark Street, Virginia Beach, VA 23452-6625 BWW# 110847

20071108001509430, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of

In execution of a Deed of Trust in the original TRUSTEE'S SALE OF 805 MAY principal amount of $175,500.00, dated June Samuel I. White, P.C., 5040 » MONDAY, 7, 2012 56 » INSIDE BUSINESS Hampstead Court, Virginia 23, 2005 recorded in the Clerk's Office of Corporate Woods Drive, Suite Beach, VA 23462. In execution of a certain the Circuit Court of the City Of Virginia 120, Virginia Beach, Virginia, on

deed of trust dated April 02, 2009, in the original principal amount of $188,078.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20090407000369040, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:46 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING, AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS SITE THREE (3), LOT THREE (3), AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF WEBLIN PLACE, SECTION ONE, BAYSIDE BOROUGH, VIRGINIA BEACH, VIRGINIA," WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 84, AT PAGE 36..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23011501

TRUSTEE SALE 5128 Shenstone Drive, Virginia Beach, VA 23455-3218 In execution of a Deed of Trust in the original principal amount of $309,000.00, dated October 31, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20051109001820390 and modified in Instrument 20070104000016040, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law

Beach, Virginia, in Instrument 200506270097339, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I.

White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property

described in said deed, located at the above address and briefly described as: Lot 15, in Block 3, Princess Anne Plaza, Section 9, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-007767-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011198

TRUSTEE SALE 3449 Robinson Rd, Virginia Beach, VA 23456-4137 In execution of a Deed of Trust in the original principal amount of $290,000.00, dated May 3, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20070509000634910, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel

I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property

described in said deed, located at the above address and briefly described as: Lot C-1, Capps Subdivision, on a plat dated April 13, 1966, sited in Deed Book 962, page 585, with improvements thereon.

Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 TERMS OF SALE: CASH: A deposit of o'clock pm the property described in said $20,000.00, or 10% of the sales price, deed, located at the above address and briefly described as: Parcel 1, Resubdivision of Property of Tract B, Subdivision of Property of W. R. Ricks & Parcel B, Subdivision of Tract 14, Plat of Tract 14 of E. E. Vick Farm, recorded in Deed Book 294, at page 67, with improvements thereon.

whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005775-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011161

SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-027708-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011212

TRUSTEE SALE 3208 Lark Street, Virginia Beach, VA 23452-6625 In execution of a Deed of Trust in the original principal amount of $175,500.00, dated June 23, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 200506270097339, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note,

TRUSTEE SALE 1220 Glenside Dr, Virginia Beach, VA 23464-5808 In execution of a Deed of Trust in the original principal amount of $240,000.00, dated October 15, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20071108001509430, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of

Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Lot 23, Bellamy Manor, Section C3, with

May 10, 2012 at 3:00 o'clock pm

the property described in said deed, located at the above address and briefly described as: Lot 23, Bellamy Manor, Section C3, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose.

Nimmo Parkway, Virginia Beach, VA, the property designated as Lot 15, as shown on that certain plat entitled “Subdivision of the Point Townhouses-Section Two Princess Anne Borough-Virginia Beach, Virginia”, which plat is duly recorded in the aforesaid Clerk’s Office in Map Book 153, at Page 26. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $13,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 94713, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23011064

SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006929-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011152

TRUSTEE SALE 2225 West Admiral Drive, Virginia Beach, VA 23451-1737 In execution of a Deed of Trust in the original principal amount of $417,000.00, dated January 25, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20060126000141570 and modified in Instrument 20100325000278820, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Parcel 1: Lot 150 as shown on plat entitled, "Amended Subdivision of Cape Henry Shores, Section 2" and recorded in Map Book 64, page 2. Parcel 2: All of the interest of the grantors in and to the South 25 feet of Cape Henry Drive from the Western Edge of Kendall Street to the western edge of Lot 150, Cape Henry Shores (Map Book 62, page2), except that portion acquired by the City of Virginia Beach in Deed Book 1466, page 265, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (41183-08/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011111

TRUSTEE'S SALE 1056 Level Green Boulevard, Virginia Beach, VA 23464 GPIN 1456-41-5551-0000

Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1228032). 23010808

TRUSTEE'S SALE 1946 Darnell Drive, Virginia Beach, VA 23455 GPIN 1469-16-8033-1946 Pursuant to the terms of a deed of trust dated July 30, 2008, in the original principal amount of $171,101.00, recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20080805000925930, the property briefly described below will be offered for sale at public auction: Unit 1946, Phase III, Village Springs Condominium, as established by Declaration recorded in the aforesaid Clerk's Office in Deed Book 2354, Page 983, et seq., as amended, and as more particularly described in the referenced deed of trust.

Pursuant to the terms of a deed of trust dated August 25, 2009, in the original principal amount of $115,862.00, recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20090901001035920, the property briefly described below will be offered for sale at public auction:

The sale will take place on MAY 17, 2012 AT 12:30 P.M., at the front entrance to the building housing the Circuit Court of the City of Virginia Beach, located at 2425 Nimmo Parkway (Court Bldg. 10 entrance), Virginia Beach, VA.

Lot 5, Block G, Level Green, Site 1, Part 2, as shown on a plat recorded in the aforesaid Clerk's Office in Map Book 89, Page 24, and as more particularly described in the referenced deed of trust.

The sale will take place on MAY 17, 2012 AT 12:30 P.M., at the front entrance to Terms: A deposit in the form of CERTIFIED

the building housing the Circuit Court of the City of Virginia Beach, located at 2425 Nimmo Parkway (Court Bldg. 10 entrance), Virginia Beach, VA. The property and the improvements thereon will be sold "AS IS" and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property.

Terms: A deposit in the form of CERTIFIED FUNDS in the amount of $11,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1228051). 23010855

TRUSTEE'S SALE 658 Waters Drive, Virginia Beach, VA 23462 GPIN 1486-05-1872-8420

FUNDS in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1228016). 23010779

TRUSTEE'S SALE 3851 Chimney Creek Drive, Virginia Beach, VA 23462 GPIN 1486-34-8372-0000 Pursuant to the terms of a deed of trust dated October 30, 2007, in the original principal amount of $178,660.00, recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20071031001473200, the property briefly described below will be offered for sale at public auction: Lot 8, Block VV, Townhomes at Chimney Hill, Sec. 4, as shown on a plat recorded in the aforesaid Clerk's Office in Map Book 161, Pages 21-22, and as more particularly described in the referenced deed of trust.

Pursuant to the terms of a deed of trust dated June 25, 2007, in the original principal amount of $125,000.00, recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20070626000862720, the property briefly described below will be offered for sale at public auction:

Unit 658, Holland Mews, A Condominium, as established by Declaration recorded in the aforesaid Clerk's Office in Deed Book 2479, Page 2132, and as more particularly described in the referenced deed of trust.

Trustee's Sale 1598 Crescent Pointe Lane, Virginia Beach, Virginia 23453 The sale will take place on MAY 17, 2012 (Tax Map No. AT 12:30 P.M., at the front entrance to 14854883090000) the building housing the Circuit Court of the Default having been made in the terms of a certain Deed of Trust dated October 19, 2009, in the original principal amount of $135,073.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20091023001242390, the undersigned Substitute Trustees will sell at public auction on May 11, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Lot 15, as shown on that certain plat entitled “Subdivision of the Point Townhouses-Section Two Princess Anne Borough-Virginia Beach, Virginia”, which plat is duly recorded in the aforesaid Clerk’s Office in Map Book 153, at Page 26. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $13,500.00 or 10% of the sale price, whichever is lower, will be required of the

FUNDS in the amount of $11,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose.

City of Virginia Beach, located at 2425 Nimmo Parkway (Court Bldg. 10 entrance), Virginia Beach, VA.

The property and the improvements thereon will be sold "AS IS" and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property. Terms: A deposit in the form of CERTIFIED FUNDS in the amount of $11,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose.

Terms: A deposit in the form of CERTIFIED FUNDS in the amount of $15,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1227988). 23010753

Unit Y-5, Herons Cove Condominiums, together with an undivided interest in the common elements.

TRUSTEE SALE 1905 Chantilly Court Unit 903, Virginia Beach, VA 23451 In execution of a Deed of Trust in the original principal amount of $123,200.00, dated June 14, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20060616000906400, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Unit 903, Chesterfield Station Condominium, together with an undivided interest in the common elements. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-026482-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23009601

TRUSTEE'S SALE OF 1563 PENROSE ARCH UNIT 17B Virginia Beach Virginia Pursuant to the terms of a deed of trust dated January 19, 2006, in the original principal amount of $123,200.00, recorded in the Clerk's Office, Circuit Court for the City of Virginia Beach, Virginia, as Instrument Number 20060130000151260, the property briefly described below will be offered for sale at public auction. Unit 17B, A Condominium, Princess Anne Gardens, as the same is duly dedicated, platted and recorded in Deed Book 2700 at page 2048, among the land records for the City of Virginia Beach, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 22, 2012 at 1:00 p.m. at the main entrance of the building housing the Circuit Court for the City of Virginia Beach, Virginia. Terms: A deposit in the form of certified funds in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804) 288-0088 Ref#232096 Ad dates: April 30, 2012 May 7, 2012 23009445

TRUSTEE SALE 322 Windship Cove, Virginia Beach, VA 23454-1850 In execution of a Deed of Trust in the original principal amount of $199,500.00, dated November 9, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20061113001710250, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Unit Y-5, Herons Cove Condominiums, together with an undivided interest in the common elements. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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,

TRUSTEE SALE 4616 Guam St, Virginia Beach, VA 23455-1412 In execution of a Deed of Trust in the original principal amount of $300,000.00, dated October 24, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Virginia Beach, Virginia, in Instrument 20061026001625830 , default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Law Offices of Samuel I. White, P.C., 5040 Corporate Woods Drive, Suite 120, Virginia Beach, Virginia, on May 10, 2012 at 3:00 o'clock pm the property described in said deed, located at the above address and briefly described as: Unit 4616, Guam Street Condominium; Together with an undivided interest in the common elements. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-013258-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23009299

PLAT IS DULY OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 56, PAGE 20, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID LOT.

Trustee's Sale 1449 Old Virginia Beach Road, Virginia Beach, Virginia 23454 (Tax ID No. 24171733480000) Default having been made in the terms of a certain Deed of Trust dated August 29, 2007, in the original principal amount of $139,055.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20070906001213750, the undersigned Substitute Trustees will sell at public auction on May 11, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Parcel A, as shown on that certain plat entitled Subdivision of Property of Butts, , et ux, et al, Being a Portion of Plat 23, Oceana Gardens, Lynnhaven Borough, Virginia Beach, Virginia", dated October 11, 1983 and duly of record in the aforesaid Clerk's Office in Map Book 173, at Page 24. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $13,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 96634, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23007920

TRUSTEE'S SALE OF 2412 APIARY COURT, VIRGINIA BEACH, VA 23454 In execution of a Deed of Trust in the original principal amount of $393,500.00, with an annual interest rate of 4.7500% from John L. Wildermuth dated July 9, 2010, recorded among the land records of the Circuit Court for the Virginia Beach as Deed Book/Instrument Number 20100712000697020, the undersigned appointed Substitute Trustee will offer for sale at public auction in the Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 30, 2012 at 11:30 AM, the property with improvements to wit: All that certain lot, piece or parcel of land , with the buildings and improvements and the appurtenances thereunto belonging, lying, situate and being in the City of Virginia Beach, Virginia , and being known , numbered and designated as Lot 19, as shown on that certain plat entitled "Subdivision of London Bridge Crossing (M.B. 304, P.80; M.B. 6, P.307; M.B.26, P.42) Virginia Beach, Virginia", which said plat is duly of record in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia, in Instrument #20070822001146150. AND further described in the above Deed of Trust. (Tax Map No. 1497-92-1067-0000) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

Trustee's Sale 433 Lakewood Circle, Virginia Beach, Virginia 23451 (Tax ID No. 24271506570000) Default having been made in the terms of a certain Deed of Trust dated September 15, 2008, in the original principal amount of $400,000.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20080923001118370, the undersigned Substitute Trustees will sell at public auction on May 25, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Lots 14 and 15 in Block 100 as shown on the Plat of Lakewood, dated June 22, 1925, which said plat is duly recorded in the aforesaid Clerk's Office in Map Book 7, at Page 100. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. The property will be sold subject to the right of redemption of the Internal Revenue Service. TERMS: CASH. A deposit of $40,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C., and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92992, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23008149

Trustee's Sale 1449 Old Virginia Beach Road, Virginia Beach, Virginia 23454 (Tax ID No. 24171733480000)

TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Trustee's File No. 12-225243. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23007819

TRUSTEE'S SALE OF 5370 UPPERVILLE COURT, VIRGINIA BEACH, VA 23462 In execution of a Deed of Trust in the original principal amount of $352,500.00, with an annual interest rate of 1.6200% from Peggy E. Van Wagner dated April 27, 2006, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 20060504000678000, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 23, 2012 at 11:30 AM, the property with improvements to wit: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, TOGETHER WITH THE IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, LYING, SITUATE AND BEING IN THE BOROUGH OF KEMPSVILLE, CITY OF VIRGINIA BEACH, VIRGINIA, AND DESIGNATED AND DESCRIBED AS LOT NUMBERED 22, IN BLOCK NUMBERED F, ON A CERTAIN PLAT OF SURVEY ENTITLED "SUBDIVISION OF HUNTINGTON, SECTION 2", DATED NOVEMBER, 1961, AND MADE BY FRANK D. TARRALL, JR., AND ASSOCIATES, SURVEYORS AND ENGINEERS, WHICH PLAT IS DULY OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 56, PAGE 20, REFERENCE TO WHICH PLAT IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID LOT. THE IMPROVEMENTS THEREON BEING KNOWN AS 5370 UPPERVILLE COURT, VIRGINIA BEACH, VIRGINIA - 23462. AND further described in the above Deed of Trust. (Tax Map No. 14673046680000) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

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 a debt collector and anyBUSINESS information obtained will be THE IMPROVEMENTS THEREON BEINGMONDAY, KNOWN AS 5370 » INSIDE » 57 MAYfrom 7, 2012 used for that purpose. The sale is subject to seller UPPERVILLE COURT, VIRGINIA BEACH, VIRGINIA - 23462. confirmation. Substitute Trustee: Equity Trustees, LLC, AND further described in the above Deed of Trust. (Tax 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, Map No. 14673046680000) (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 141622 TERMS OF SALE: ALL CASH. A bidder's deposit of A-4235905 04/30/2012, 05/07/2012 23007368 $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Trustee's File TRUSTEE'S SALE OF 1405 No. 12-225261. Woodscape Lane, Virginia PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & Beach, VA 23462. In execution of a certain ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia deed of trust dated June 02, 2008, in the original principal amount of $154,574.00 recorded in the Clerk's Office, Beach, Virginia 23462 (757) 687-8777. Circuit Court for City of Virginia Beach, Virginia, in 23007802 Instrument No. 20080617000717320, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, TRUSTEE'S SALE OF 5496 2425 Nimmo Parkway, Municipal Center, Building #10., Glenville Circle, Virginia Virginia Beach, Virginia, on May 31, 2012, at Beach, VA 23464. In execution of a certain 9:40 AM, the property described in said deed of deed of trust dated March 26, 2009, in the original trust, located at the above address, and more particularly principal amount of $212,300.00 recorded in the Clerk's described as follows: ALL THAT CERTAIN LOT, PIECE OR Office, Circuit Court for City of Virginia Beach, Virginia, in PARCEL OF LAND, WITH THE BUILDINGS AND Instrument No. 20090409000377860, default having IMPROVEMENTS THEREON SITUATE, LYING AND BEING IN occurred in the payment of the Note thereby secured and THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, at the request of the holder, the undersigned Substitute NUMBERED AND DESIGNATED AS LOT 108, AS SHOWN Trustee will offer for sale at public auction in the front of ON THAT CERTAIN PLAT ENTITLED, "AMENDED PLAT OF the Circuit Court building for the City of Virginia Beach, SUBDIVISION OF LOTS 4 - 113 OF WOODSCAPE, 2425 Nimmo Parkway, Municipal Center, Building #10., FORMERLY SADDLEBROOK (M.B. 182, P. 35)", WHICH Virginia Beach, Virginia, on May 15, 2012, at PLAT IS RECORDED IN THE CLERK'S OFFICE OF THE 9:46 AM, the property described in said deed of CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, trust, located at the above address, and more particularly VIRGINIA, IN MAP BOOK 186 AT PAGES 5 - 9; EXPECT FOR described as follows: ALL THAT CERTAIN LOT, PIECE OR THAT PORTION OF SAID LOT SHOWN ON SAID PLAT AS PARCEL OF LAND WITH THE BUILDINGS AND PART OF A "COMMON AREA" AND THEREFORE CONVEYED IMPROVEMENTS THEREON, BELONGING, LYING AND TO THE WOODSCAPE COMMUNITY ASSOCIATION, INC. BY SITUATE IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND DEED OF NAPOLITANO ENTERPRISES, INC., AND KNOWN, NUMBERED AND DESIGNATED AS LOT 196, AS RECORDED IN THE AFORESAID CLERK'S OFFICE IN DEED SHOWN ON THATCERTAIN PLAT ENTITLED, "CHATHAM BOOK 2388 AT PAGE 2096..TERMS OF SALE: ALL CASH. A HALL, PHASE 5, KEMPSVILLE BOROUGH, VIRGINIA BEACH, bidder's deposit of ten percent (10%) of the sale price or VIRGINIA," WHICH SAID PLAT IS DULY RECORDED IN THE ten percent (10%) of the original principal balance of the CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF subject deed of trust, whichever is lower, in the form of VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 146, AT PAGE cash or certified funds payable to the Substitute Trustee 26.TERMS OF SALE: ALL CASH. A bidder's deposit of ten must be present at the time of the sale. The balance of percent (10%) of the sale price or ten percent (10%) of the the purchase price will be due within fifteen (15) days of original principal balance of the subject deed of trust, sale, otherwise Purchaser's deposit may be forfeited to whichever is lower, in the form of cash or certified funds Trustee. Time is of the essence. Sale is subject to post payable to the Substitute Trustee must be present at the sale confirmation that the borrower did not file for time of the sale. The balance of the purchase price will be protection under the U.S. Bankruptcy Code prior to the due within fifteen (15) days of sale, otherwise Purchaser's sale, as well as to post- sale confirmation and audit of the deposit may be forfeited to Trustee. Time is of the status of the loan with the loan servicer including, but not essence. Sale is subject to post sale confirmation that the limited to, determination of whether the borrower entered borrower did not file for protection under the U.S. into any repayment agreement, reinstated or paid off the Bankruptcy Code prior to the sale, as well as to post-sale loan prior to the sale. In any such event, the sale shall be confirmation and audit of the status of the loan with the null and void, and the Purchaser's sole remedy, in law or loan servicer including, but not limited to, determination of equity, shall be the return of his deposit without interest . whether the borrower entered into any repayment Additional terms to be announced at the sale. A form copy agreement, reinstated or paid off the loan prior to the of the Trustee's memorandum of foreclosure sale and sale. In any such event, the sale shall be null and void, and contract to purchase real property is available for viewing the Purchaser's sole remedy, in law or equity, shall be the at www.bwwsales.com. This is a communication from a return of his deposit without interest . Additional terms to debt collector and any information obtained will be used be announced at the sale. A form copy of the Trustee's for that purpose. The sale is subject to seller confirmation. memorandum of foreclosure sale and contract to Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt purchase real property is available for viewing at Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For www.bwwsales.com. This is a communication from a debt information contact: BWW Law Group, LLC, attorneys for collector and any information obtained will be used for Equity Trustees, LLC, 4520 East West Highway, Suite 200, that purpose. The sale is subject to seller confirmation. Bethesda, MD 20814, (301) 961-6555, website: Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt www.bwwsales.com. BWW# 116754 A-4235903 Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For 04/30/2012, 05/07/2012 23007352 information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144699 A-4235909 TRUSTEE'S SALE OF 3228 04/30/2012, 05/07/2012 23007380

Sacramento Drive, Virginia Beach, VA 23456. In execution of a certain

TRUSTEE'S SALE OF 3548 Clubhouse Road, Virginia Beach, VA 23452. In execution of a certain

deed of trust dated October 17, 2006, in the original principal amount of $216,826.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20061019001585820, and modified on February 05, 2009, to increase the principal balance to $234,117.31. This modification agreement was recorded in Instrument No. 20100405000312140, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on June 05, 2012, at 9:40 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN NUMBERED AND DESIGNATED AS LOT 10, IN BLOCK 74, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF PRINCESS ANNE PLAZA, SECTION THREE", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 49, AT PAGE 5 (INCORRECTLY REPORTED AS PAGE 3)..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301)

deed of trust dated April 08, 2003, in the original principal amount of $146,200.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 200305270081889, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 31, 2012, at 9:41 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 80, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF PARCEL 2C- 2, COURTHOUSE ESTATES, PHASE 3, SECTION H-3, APRIL 24, 1996, PRINCESS ANNE BOROUGH - VIRGINIA BEACH, VIRGINIA, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 257, AT PAGE 24 THROUGH 29, INCLUSIVE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 128347 A-4235901 04/30/2012, 05/07/2012 23007320

www.bwwsales.com. This is a communication from a debt TRUSTEE'S SALE OF 4405 collector and any information obtained will be used for that purpose. The sale is subject to seller confirmation. Loring Road, Virginia Beach, Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt VA 23456. In execution of a certain deed of trust Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For dated October 17, 2008, in the original principal amount information contact: BWW Law Group, LLC, attorneys for of $215,710.00 recorded in the Clerk's Office, Circuit Equity LLC, 4520 East West Highway, Suite 200, MAY Court for of Virginia Beach, Virginia, in Instrument No. » INSIDE » MONDAY, BUSINESS 7,City 2012 58Trustees, Bethesda, MD 20814, (301) 961-6555, website: 20081023001235370, default having occurred in the www.bwwsales.com. BWW# 128347 A-4235901 payment of the Note thereby secured and at the request 04/30/2012, 05/07/2012 23007320 of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:45 AM, TRUSTEE'S SALE OF 1152 the property described in said deed of trust, located at the Clydesdale Lane, Virginia above address, and more particularly described as follows: Beach, VA 23464. In execution of a certain ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH deed of trust dated September 30, 2008, in the original THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, principal amount of $177,993.00 recorded in the Clerk's SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, Office, Circuit Court for City of Virginia Beach, Virginia, in VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS Instrument No. 20081001001152910, default having LOT 31, BLOCK C, AS SHOWN ON THAT CERTAIN PLAT occurred in the payment of the Note thereby secured and ENTITLED "RESUBDIVISION OF LOTS 31 AND 32, BLOCK C, at the request of the holder, the undersigned Substitute SALEM WOODS, SECTION SIX", WHICH SAID PLAT IS DULY Trustee will offer for sale at public auction in the front of RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT the Circuit Court building for the City of Virginia Beach, COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP 2425 Nimmo Parkway, Municipal Center, Building #10., BOOK 155, AT PAGE 36..TERMS OF SALE: ALL CASH. A bidder's deposit of ten percent (10%) of the sale price or Virginia Beach, Virginia, on May 31, 2012, at ten percent (10%) of the original principal balance of the 9:42 AM, the property described in said deed of trust, subject deed of trust, whichever is lower, in the form of located at the above address, and more particularly cash or certified funds payable to the Substitute Trustee described as follows: ALL THAT CERTAIN LOT, PIECE OR must be present at the time of the sale. The balance of PARCEL OF LAND, WITH BUILDINGS AND IMPROVEMENTS the purchase price will be due within fifteen (15) days of THEREON, SITUATE, LYING AND BEING IN THE CITY OF sale, otherwise Purchaser's deposit may be forfeited to VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, Trustee. Time is of the essence. Sale is subject to post NUMBERED AND DESIGNATED AS LOT 2, BLOCK G, AS sale confirmation that the borrower did not file for SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF protection under the U.S. Bankruptcy Code prior to the LEVEL GREEN SUBDIVISION, SITE TWO (2), PART TWO A sale, as well as to post- sale confirmation and audit of the (2A)", WHICH SAID PLAT IS DULY RECORDED IN THE status of the loan with the loan servicer including, but not CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF limited to, determination of whether the borrower entered VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 95, AT PAGE into any repayment agreement, reinstated or paid off the 37..TERMS OF SALE: ALL CASH. A bidder's deposit of ten loan prior to the sale. In any such event, the sale shall be percent (10%) of the sale price or ten percent (10%) of the null and void, and the Purchaser's sole remedy, in law or original principal balance of the subject deed of trust, equity, shall be the return of his deposit without interest . whichever is lower, in the form of cash or certified funds Additional terms to be announced at the sale. A form copy payable to the Substitute Trustee must be present at the of the Trustee's memorandum of foreclosure sale and time of the sale. The balance of the purchase price will be contract to purchase real property is available for viewing due within fifteen (15) days of sale, otherwise Purchaser's at www.bwwsales.com. This is a communication from a deposit may be forfeited to Trustee. Time is of the debt collector and any information obtained will be used essence. Sale is subject to post sale confirmation that the for that purpose. The sale is subject to seller confirmation. borrower did not file for protection under the U.S. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Bankruptcy Code prior to the sale, as well as to post- sale Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For confirmation and audit of the status of the loan with the information contact: BWW Law Group, LLC, attorneys for loan servicer including, but not limited to, determination of Equity Trustees, LLC, 4520 East West Highway, Suite 200, whether the borrower entered into any repayment Bethesda, MD 20814, (301) 961-6555, website: agreement, reinstated or paid off the loan prior to the www.bwwsales.com. BWW# 128317 A-4235898 sale. In any such event, the sale shall be null and void, and 04/30/2012, 05/07/2012 23007119 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 TRUSTEE'S SALE OF 1222 www.bwwsales.com. This is a communication from a debt Hall Drive, Virginia collector and any information obtained will be used for Gunn that purpose. The sale is subject to seller confirmation. Beach, VA 23454. In execution of a certain Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt deed of trust dated April 17, 2009, in the original principal Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For amount of $250,381.00 recorded in the Clerk's Office, information contact: BWW Law Group, LLC, attorneys for Circuit Court for City of Virginia Beach, Virginia, in Equity Trustees, LLC, 4520 East West Highway, Suite 200, Instrument No. 20090420000417230, default having Bethesda, MD 20814, (301) 961-6555, website: occurred in the payment of the Note thereby secured and www.bwwsales.com. BWW# 131676 A-4235899 at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of 04/30/2012, 05/07/2012 23007302 the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:47 AM, the property described in said deed of TRUSTEE'S SALE OF 3509 trust, located at the above address, and more particularly Terrazzo Trail, Virginia Beach, described as follows: ALL THAT CERTAIN LOT, PIECE OR VA 23452. In execution of a certain deed of trust PARCEL OF LAND, WITH THE BUILDINGS AND dated November 18, 2008, in the original principal IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN amount of $202,991.00 recorded in the Clerk's Office, THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, Circuit Court for City of Virginia Beach, Virginia, in NUMBERED AND DESIGNATED AS LOT 3A, AS SHOWN ON Instrument No. 20081126001357300, default having THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF LOTS 1 occurred in the payment of the Note thereby secured and THRU 6, INCLUSIVE, BLOCK A, GUNN-HALL MANOR, at the request of the holder, the undersigned Substitute SECTION ONE (MB.B. 60, P. 52) AND LOTS 7 AND 8, Trustee will offer for sale at public auction in the front of BLOCK A, RESSUBDIVISION OF LOTS 7 & 8, BLOCK "A", the Circuit Court building for the City of Virginia Beach, LOTS 8 AND 9, BLOCK "B" AND LOTS1, 2, 3, & 4, BLOCK 2425 Nimmo Parkway, Municipal Center, Building #10., "D" GUNN-HALL MANOR, SECTION ONE (M.B. 64, P. 27) Virginia Beach, Virginia, on May 22, 2012, at VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT 9:46 AM, the property described in said deed of COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, AS trust, located at the above address, and more particularly INSTRUMENT NO. 20080417000441230..TERMS OF described as follows: ALL THAT CERTAIN LOT, PIECE OR SALE: ALL CASH. A bidder's deposit of ten percent (10%) PARCEL OF LAND, WITH THE BUILDINGS AND of the sale price or ten percent (10%) of the original IMPROVEMENTS THEREON, AND THE APPURTENANCES principal balance of the subject deed of trust, whichever is THEREUNTO BELONGING, LYING, SITUATE AND BEING IN lower, in the form of cash or certified funds payable to the THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING Substitute Trustee must be present at the time of the sale. KNOWN, NUMBERED AND DESIGNATED AS LOT 7, IN The balance of the purchase price will be due within BLOCK 18 B, AS SHOWN ON THAT CERTAIN PLAT fifteen (15) days of sale, otherwise Purchaser's deposit ENTITLED "SUBDIVISION OF PRINCESS ANNE PLAZA, may be forfeited to Trustee. Time is of the essence. Sale is SECTION THREE (3)", WHICH PLAT IS DULY RECORDED IN subject to post sale confirmation that the borrower did not THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY file for protection under the U.S. Bankruptcy Code prior to OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 49, AT PAGE the sale, as well as to post-sale confirmation and audit of 5..TERMS OF SALE: ALL CASH. A bidder's deposit of ten the status of the loan with the loan servicer including, but percent (10%) of the sale price or ten percent (10%) of the not limited to, determination of whether the borrower original principal balance of the subject deed of trust, entered into any repayment agreement, reinstated or paid whichever is lower, in the form of cash or certified funds off the loan prior to the sale. In any such event, the sale payable to the Substitute Trustee must be present at the shall be null and void, and the Purchaser's sole remedy, in time of the sale. The balance of the purchase price will be law or equity, shall be the return of his deposit without due within fifteen (15) days of sale, otherwise Purchaser's interest . Additional terms to be announced at the sale. A deposit may be forfeited to Trustee. Time is of the form copy of the Trustee's memorandum of foreclosure essence. Sale is subject to post sale confirmation that the sale and contract to purchase real property is available for borrower did not file for protection under the U.S. viewing at www.bwwsales.com. This is a communication Bankruptcy Code prior to the sale, as well as to post-sale from a debt collector and any information obtained will be confirmation and audit of the status of the loan with the used for that purpose. The sale is subject to seller loan servicer including, but not limited to, determination of confirmation. Substitute Trustee: Equity Trustees, LLC, whether the borrower entered into any repayment 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, agreement, reinstated or paid off the loan prior to the (703)548-4600. For information contact: BWW Law Group, sale. In any such event, the sale shall be null and void, and LLC, attorneys for Equity Trustees, LLC, 4520 East West the Purchaser's sole remedy, in law or equity, shall be the Highway, Suite 200, Bethesda, MD 20814, (301) return of his deposit without interest . Additional terms to 961-6555, website: www.bwwsales.com. BWW# 139893 be announced at the sale. A form copy of the Trustee's A-4235871 04/30/2012, 05/07/2012 23007064 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. TRUSTEE'S SALE OF 5981 Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Clear Springs Court, Virginia Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Beach, VA 23464. In execution of a certain Equity Trustees, LLC, 4520 East West Highway, Suite 200, deed of trust dated July 18, 2008, in the original principal Bethesda, MD 20814, (301) 961-6555, website: amount of $127,991.00 recorded in the Clerk's Office, www.bwwsales.com. BWW# 139205 A-4235897 Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20080721000856380, default having 04/30/2012, 05/07/2012 23007281 occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, TRUSTEE'S SALE OF 4405 2425 Nimmo Parkway, Municipal Center, Building #10., Loring Road, Virginia Beach, Virginia Beach, Virginia, on May 22, 2012, at VA 23456. In execution of a certain deed of trust 9:48 AM, the property described in said deed of dated October 17, 2008, in the original principal amount trust, located at the above address, and more particularly of $215,710.00 recorded in the Clerk's Office, Circuit described as follows: ALL THAT CERTAIN LOT, PIECE OR Court for City of Virginia Beach, Virginia, in Instrument No. PARCEL OF LAND WITH THE BUILDINGS AND 20081023001235370, default having occurred in the IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN payment of the Note thereby secured and at the request THE KEMPSVILLE BOROUGH OF THE CITY OF VIRGINIA of the holder, the undersigned Substitute Trustee will offer BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND for sale at public auction in the front of the Circuit Court DESIGNATED AS LOT 6, BLOCK F, AS SHOWN ON THAT building for the City of Virginia Beach, 2425 Nimmo CERTAIN PLAT ENTITLED, "PLAT OF PINEWOOD VILLAGE Parkway, Municipal Center, Building #10., Virginia Beach, SUBDIVISION, PHASE 1, KEMPSVILLE BOROUGH, VIRGINIA

the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 22, 2012, at 9:48 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE KEMPSVILLE BOROUGH OF THE CITY OF VIRGINIA BEACH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 6, BLOCK F, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF PINEWOOD VILLAGE SUBDIVISION, PHASE 1, KEMPSVILLE BOROUGH, VIRGINIA BEACH, VIRGINIA" WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 106, AT PAGE 21.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145365 A-4235870 04/30/2012, 05/07/2012 23007020

TRUSTEE'S SALE OF 1796 Sword Dancer Drive, Virginia Beach, VA 23454. In execution of a certain

deed of trust dated October 04, 2005, in the original principal amount of $94,500.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20051025001727680, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 15, 2012, at 9:40 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN PIECE ORP ARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 5, BLOCK TTTTT, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF OCEAN LAKES, PHASE THREE-SECTION ONE-B, PRINCESS ANNE BOROUGH, VIRGINIA BEACH, VIRGINIA", WHICH PLAT IS RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 188, AT PAGES 52 THROUGH 55. IT BEING THE SAME PROPERTY CONVEYED TO ELLEN DENISE BRYANT FROM HORACE CHILDS BRYANT, JR. AND ELLEN DENISE BRYANT VIA DEED OF GIFT DATED JULY 21, 2005 AND RECORDES AS INSTRUMENT NUMBER 200508090124843..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143659 A-4235860 04/30/2012, 05/07/2012 23006956

TRUSTEE'S SALE OF 3843 Winthrope Circle, Virginia Beach, VA 23452. In execution of a certain

deed of trust dated July 11, 2007, in the original principal amount of $470,000.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20070717000961580, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 15, 2012, at 9:42 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT SEVENTY-NINE (79), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF KINGS GRANT SECTION 10B, PART TWO", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 92 AT PAGE 34..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

THE CITY OF VIRGINIA BEACH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT SEVENTY-NINE (79), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF KINGS GRANT SECTION 10B, PART TWO", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 92 AT PAGE 34..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144260 A-4235858 04/30/2012, 05/07/2012 23006895

TRUSTEE'S SALE OF 1008 Spindle Crossing, Virginia Beach, VA 23544. In execution of a

certain deed of trust dated March 24, 2009, in the original principal amount of $214,165.00 recorded in the Clerk's Office, Circuit Court for City of Virginia Beach, Virginia, in Instrument No. 20090330000331430, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Virginia Beach, 2425 Nimmo Parkway, Municipal Center, Building #10., Virginia Beach, Virginia, on May 15, 2012, at 9:43 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 19, BLOCK K, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "WESLEYAN CHASE, PHASE 1, PART 1, SUBDIVISION OF THE PROPERTY OF KEMPSVILLE LAKE NO. 1, PARTNERSHIP, A VIRGINIA GENERAL PARTNERSHIP, CONSISTING OF R.G.MOORE BUILDING CORPORATION, A VIRGINIA CORPORATION AND INDEPENDENT DEVELOPERS, LTD., A VIRGINIA CORPORATION, AS SHOWN IN M.B. 1872, PG. 16, VIRGINIA BEACH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 187, AT PAGE 60..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144296 A-4235857 04/30/2012, 05/07/2012 23006865

be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C., and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 92577, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23006428

Trustee's Sale 304 Riveranne Court,Unit 313, Virginia Beach, Virginia 23462 (Tax ID No. 14666915503130) Default having been made in the terms of a certain Deed of Trust dated December 21, 2001, in the original principal amount of $123,371.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia in Deed Book 4589, at Page 1099, the undersigned Substitute Trustees will sell at public auction on May 25, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as Unit 313, in that certain Condominium entitled "Riveranne at Kempe's Landing, a Condominium, Phase 4", located in the City of Virginia Beach, Virginia, together with a proportionate interest in the common elements appertaining to said unit, all as more particularly described, designated and shown in that certain Condominium Declaration entitled "Declaration of Riveranne at Kempe's Landing, a Condominium, dated February 22, 2000, and recorded in the aforesaid Clerk's Office in Deed Book 4211, at Page 230 and as amended from time to time in the aforesaid Clerk’s Office. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $12,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com , outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 97919, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23006407

TRUSTEE'S SALE OF 1620 DEARBORN DRIVE, VIRGINIA BEACH, VA 23451 In execution of a Deed of Trust in the original principal amount of $172,800.00, with an annual interest rate of 6.5000% from Richard E. Leopold dated October 26, 2007, recorded among the land records of the Circuit Court for the CITY OF VIRGINIA BEACH as Deed Book/Instrument Number 20071114001531010, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 23, 2012 at 11:30 AM, the property with improvements to wit: LOT 20, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "PLAT OF LAUREL MANOR", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 34, AT PAGE 53-A AND further described in the above Deed of Trust. (Tax Map No. 2408-80-5223-0000)

Trustee's Sale 1517 Five Forks Road, Virginia Beach, Virginia 23455 (Tax ID No. 14795295340000) Default having been made in the terms of a certain Deed of Trust dated January 10, 2006, in the original principal amount of $295,000.00 and recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 20060124000115620, the undersigned Substitute Trustees will sell at public auction on May 11, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the property designated as SITE 524 on the plat entitled "SECTION FOUR, THOROUGHGOOD", which said plat is duly recorded in the aforesaid Clerk's Office, in Map Book 42, at page 53. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $29,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C., and/or Atlantic Trustee Services, L.L.C.,

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-204160D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23005201

TRUSTEE'S SALE 932 Chigwell Road, Virginia Beach, VA 23454 IN EXECUTION of Deed of Trust dated September 2, 2005, made by Myles Edward Billups, Jr. and Mary Louise Billups, recorded in the City of Virginia Beach Circuit Court Clerk's Office as Instrument Number 200509200152512, securing Note in original principal amount of $208,430.00, default having been made in payment of debt thereby secured, and at request of beneficiary thereunder, the undersigned, will offer for sale at public auction to the highest bidder, for cash, at the front door of the Law Offices of McKenry, Dancigers, Dawson & Lake, P.C. 192 Ballard Court, Virginia Beach, Virginia, on May 8, 2012 at 11:00 a.m., the properties conveyed in said Deed of Trust and briefly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS, LYING, SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 23, BLOCK C, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "

P.C. 192 Ballard Court, Virginia Beach, Virginia, on May 8, 2012 at 11:00 a.m., the properties conveyed in said Deed of Trust and briefly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS, LYING, SITUATE AND BEING IN THE CITY OF VIRGINIA BEACH, VIRGINIA AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 23, BLOCK C, AS SHOWN ON THAT CERTAIN PLAT ENTITLED " SUBDIVISION OF OCEAN LAKES, PHASE ONE PART TWO, PRINCESS ANNE BOROUGH, CITY OF VIRGINIA BEACH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERKS OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN DEED BOOK 2629, AT PAGES 1240 THROUGH 1244. TAX MAP #24146775410000 TERMS OF SALE: CASH. Property is being sold "AS IS", without any representations or warranties, SUBJECT to the rights of any person in possession and to all covenants, conditions, restrictions, easements, defects, encumbrances, adverse claims, or liens, whether filed or inchoate, which have priority over the Deed of Trust. Deposit of 10% cash, certified or cashier's check, will be required of successful bidder immediately after sale; settlement must be within 10 days from date of sale, TIME BEING OF THE ESSENCE, or property to be resold at cost to defaulting purchaser, and Trustee shall be entitled to recover from defaulting purchaser any deficiency resulting from resale. All costs of conveyancing, examination of title, recording and settlement charges, grantor's taxes, etc. to be at cost of purchaser. Noteholder reserves the right to bid and trustee reserves right to reject any bids, keep bidding open for any length of time, waive deposit requirements, extend time for settlement, announce additional terms of sale and cancel or rescind sale solely at trustee's discretion.

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-220014D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004734

TRUSTEE'S SALE OF 1589 CRESCENT POINTE LANE, VIRGINIA BEACH, VA 23453 In execution of a Deed of Trust in the original principal amount of $135,000.00, with an annual interest rate of 6.5000% from ALIZA M. WILLIAMS dated December 15, 2005, recorded among the land records of the Circuit Court for the CITY OF VIRGINIA BEACH as Deed Book/Instrument Number 20060110000049520, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: LOT 74, ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF THE POINTE TOWNHOUSES - SECTION TWO - PRINCESS ANNE BOROUGH, VIRGINIA BEACH, VIRGINIA", AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 153 AT PAGE 26.

THIS NOTICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

AND further described in the above Deed of Trust.

McKenry, Dancigers, Dawson & Lake, P.C. Substitute Trustee

TERMS OF SALE: ALL CASH. A bidder's deposit of $13,500.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-222401V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004717

FOR INFORMATION CONTACT: Angela Flores 192 Ballard Court, Suite 400 Virginia Beach, Virginia 23462 (757) 461-2500

23004798

TRUSTEE'S SALE OF 1004 GOLDLEAF COURT, VIRGINIA BEACH, VA 23464 In execution of a Deed of Trust in the original principal amount of $143,000.00, with an annual interest rate of 5.7500% from Gregory S. Hyatt and Athena A. Hyatt dated October 13, 2004, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 200410190166974, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: LOT 2, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF WHITEHURST WOODS", DATED APRIL 12, 1988, MADE BY GALLUP SURVEYORS & ENGINEERS, LTD., AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 2805, AT PAGES 1001 AND 1002.

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TRUSTEE'S SALE OF 3944 DUPREE LANE, VIRGINIA BEACH, VA 23456 In execution of a Deed of Trust in the original principal amount of $199,750.00, with an annual interest rate of 7.8990% from Patricia P. Whitehurst and Dwight M. Whitehurst dated September 25, 2006, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 20061006001523460, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: Lot 23, as shown on that certain plat entitled "Subdivision of Rock Creek, Phase II", which said plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Virginia Beach, Virginia in Deed Book 2510, Page 1472.

AND further described in the above Deed of Trust.

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder's deposit of $14,300.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-200227D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004766

TRUSTEE'S SALE OF 2241 LYNN ROAD, VIRGINIA BEACH, VA 23451 In execution of a Deed of Trust in the original principal amount of $406,300.00, with an annual interest rate of 5.3750% from JONATHAN D. DICKERSON AND MOLLY RANDALL dated January 31, 2008, recorded among the land records of the Circuit Court for the CITY OF VIRGINIA BEACH as Deed Book/Instrument Number 20080205000135390, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: DESIGNATED ON A CERTAIN PLAT AND SURVEY THEREOF MADE BY ALONZO L. CHERRY, SURVEYORS, NOVEMBER, 1995, MARKED "SECTION NUMBER FOUR (4) LYNNHAVEN COLONY", RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA IN MAP BOOK 40, AT PAGE 10, AS LOT NUMBERED ONE HUNDRED SIXTY-FIVE (165), SAID LOT BEING OF THE SIZE AND DIMENSIONS SHOWN ON SAID PLAT.. AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-220014D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia

TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-223115V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004704

TRUSTEE SALE 4004 W. Colonial Pkwy. Virginia Beach, VA. 23452 In execution of a Deed of Trust from Christopher T. Bennett and Charlotte T. Bennett dated October 17, 2008 and recorded in the Clerk's Office, Circuit Court, City of Virginia Beach, Virginia, as instrument number 20081028001253390, securing a loan which was originally $183,027.00. Default having occurred in the payment of the Note thereby secured, and at the request of the holder of said Note, the undersigned Substitute Trustees will offer for sale at public auction at the City of Virginia Beach City Hall Municipal Building #1, near the corner of Princess Anne & North Landing, the main entrance, Virginia Beach Virginia on May 11, 2012 at 8:30 AM, the property described in said Deed of Trust, located at the above address and briefly described as: Lot 34, Block 3, Subdivision of Windsor Woods, Section 8 - Part 1 of Lineberry Construction Corporation. Tax ID/PIN: 14871033850000 The property will be conveyed by Special Warranty Deed, subject to all existing easements, restrictions and any other conditions that may affect title to the property. The Noteholder reserves the right to bid at the said sale. TERMS: CASH: A bidder's deposit of $10,000.00, cash or certified check, will be required at the time of sale with the settlement and full payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: FHA VT1124655 FOR INFORMATION CONTACT: Between 8 - 11 AM

within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: FHA VT1124655 FOR INFORMATION CONTACT: Between 8 - 11 AM Nectar Projects, Inc. - Substitute Trustees P.O. Box 2848 Purcellville VA 20134 (540) 751-1260 23004576

TRUSTEE'S SALE OF 5156 CONDOR STREET, VIRGINIA BEACH, VA 23462 In execution of a Deed of Trust in the original principal amount of $96,000.00, with an annual interest rate of 7.0000% from Shirlene Chowyuk dated June 21, 2005, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 200508110126266, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: LOT 3 IN BLOCK N, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF NORTHRIDGE, SECTION THREE, BAYSIDE BOROUGH, VIRGINIA BEACH, VIRGINIA", RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN MAP BOOK 149 AT PAGE 9. AND further described in the above Deed of Trust. (Tax Map No. 146-777-9533-0000) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $9,600.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-217794V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004315

TRUSTEE'S SALE OF 3780 STRATHMOOR CIRCLE, VIRGINIA BEACH, VA 23452 In execution of a Deed of Trust in the original principal amount of $228,600.00, with an annual interest rate of 7.9900% from Michael H. Woolard dated February 15, 2006, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 20060222000283520, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: All that certain lot, site, tract or parcel of land, with the appurtenances thereunto belonging, situate in the City of Virginia Beach, Virginia, as shown on that certain plat entitled "Plat of Birchwood South Subdivision", which plat is duly recorded in the Clerk's office of the Circuit Court of the City of Virginia Beach, Virginia, in map book 109, at page 39, known as lot 9, block B. AND further described in the above Deed of Trust. (Tax Map No. 1487-45-0922-0000) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 12-225246. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004280

TRUSTEE'S SALE OF 627 BLUFF COURT UNIT 203, VIRGINIA BEACH, VA 23462 In execution of a Deed of Trust in the original principal amount of $87,550.00, with an annual interest rate of 8.0000% from DOROTHY M. JOHNSON dated December 14, 2006, recorded among the land records of the Circuit Court for the CITY OF VIRGINIA BEACH as Deed Book/Instrument Number 20061220001886480, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 16, 2012 at 11:30 AM, the property with improvements to wit: UNIT 203, IN BUILDING 5, IN THAT CERTAIN CONDOMINIUM ENTITLED NEWPOINTE, A CONDOMINIUM, LOCATED IN THE CITY OF VIRGINIA BEACH, VIRGINIA, TOGETHER WITH AN UNDIVIDED INTEREST IN THE COMMON ELEMENTS APPERTAINING TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN CONDOMINIUM DECLARATION DATED DECEMBER 6, 1984 AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 2388, AT PAGE 697, ET SEQ. AND further described in the above Deed of Trust. (Tax Map No. 1467-39-6499-5930) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TOGETHER WITH AN UNDIVIDED INTEREST IN THE VIRGINIA BEACH, VA 23462 COMMON ELEMENTS APPERTAINING TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND In execution of a Deed of Trust in the original principal SHOWN IN THAT CERTAIN CONDOMINIUM DECLARATION amount of $130,489.00, with an annual interest rate of DATED DECEMBER 6, 1984 AND RECORDED IN THE 5.7500% from VIVIAN E. BLAIZE dated July 28, 2005, CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF recorded among the land records of the Circuit Court for OF VIRGINIA BEACHBUSINESS as Deed Book/Instrument VIRGINIA BEACH, VIRGINIA, IN DEED BOOK 2388, AT PAGE » INSIDE » 59 MONDAY, MAYthe 7,CITY 2012 Number 200508110126700, the undersigned appointed 697, ET SEQ. Substitute Trustee will offer for sale at public auction in AND further described in the above Deed of Trust. (Tax the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW Map No. 1467-39-6499-5930) OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, THIS COMMUNICATION IS FROM A DEBT COLLECTOR. VIRGINIA on May 9, 2012 at 11:30 AM, the property with improvements to wit: TERMS OF SALE: ALL CASH. A bidder's deposit of $8,700.00 or 10% of the sale price, whichever is lower, UNIT 4437, COLUMBUS STATION EAST CONDOMINIUMS, will be required in cash, certified or cashier's check. ACCORDING TO DECLARATION OF CONDOMINIUMS Settlement within fifteen (15) days of sale, otherwise RECORDED 1/28/88 IN BOOK 2706, PAGE 1094, PARCEL Trustees may forfeit deposit. Additional terms to be ID NUMBER 14776376935940. announced at sale. Loan type: Conventional. Trustee's File No. 11-218678V. AND further described in the above Deed of Trust. (Tax PROFESSIONAL FORECLOSURE CORPORATION OF Map No. 14776376935940) VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia THIS COMMUNICATION IS FROM A DEBT COLLECTOR. Beach, Virginia 23462 (757) 687-8777. 23004263 TERMS OF SALE: ALL CASH. A bidder's deposit of $13,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, Trustee's Sale otherwise Trustees may forfeit deposit. Additional terms 525 Abbot Muse, to be announced at sale. Loan type: Conventional. Virginia Beach, Virginia 23452 Trustee's File No. 10-193798D. FORECLOSURE CORPORATION OF (Tax ID No. 14962909731011) PROFESSIONAL VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Default having been made in the terms of a certain Deed of Trust dated June 21, 2005, in the original principal Beach, Virginia 23462 (757) 687-8777. amount of $61,502.00 and recorded in the Clerk's Office 22986729 of the Circuit Court of the City of Virginia Beach, Virginia as Instrument No. 200507080103783, the undersigned Substitute Trustees will sell at public auction on May NORFOLK 18, 2012, at 8:45 a.m., in front of the building housing the Virginia Beach Circuit Court, facing Nimmo Parkway (Building 10), Virginia Beach Judicial Center, 2425 Nimmo Parkway, Virginia Beach, VA, the TRUSTEE SALE property designated as "Unit No 1-102", in that certain 200 Poplar Avenue, condominium project known as "LYME REGIS Norfolk, VA 23523 CONDOMINIUM", and as further designated and described in that certain Condominium Declaration dated June 27, In execution of a Deed of Trust in the original principal 1984, and recorded in the aforesaid Clerk's Office in Deed amount of $136,000.00, dated February 15, 2007 Book 2360, at page 1765, and amendments thereto. recorded in the Clerk's Office of the Circuit Court of the Together with an undivided interest as tenants in common in certain common easements, all as more particularly City Of Norfolk, Virginia, in Instrument 070006782, default having occurred in the payment of the Note described in said Declaration. Sale is subject to all prior liens, easements, restrictions, thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or at public auction at the entrance to the Courts Building, inspection of the premises. TERMS: CASH. A deposit of 100 St. Paul's Blvd., Norfolk, Virginia, on May $6,000.00 or 10% of the sale price, whichever is lower, 22, 2012 at 10:30 o'clock am the will be required of the successful bidder at time of sale. property described in said deed, located at the above Prior to the sale, interested bidders will be required to address and briefly described as: register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must Lot 2, in Block 7, on the Plat of The Hardy Property, be certified funds and/or cash, but no more than which plat is recorded in the Clerk's Office of the $10,000.00 of cash will be accepted. The successful Circuit Court of the City of Chesapeake, (formerly bidder’s deposit will be retained at the sale and applied to Norfolk County, Virginia in Map Book 6, at page 15., the sale price. If held by the trustee, all other bid deposits with improvements thereon. will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be TERMS OF SALE: CASH: A deposit of $10,000.00, or required to execute a Memorandum of Trustee's Sale, 10% of the sales price, whichever is lower, cash or available for review on the Foreclosure Sales page of certified check, will be required at the time of sale with www.glasserlaw.com, outlining additional terms of sale settlement within fifteen (15) days from the date of sale. and settlement. A Trustee’s Deed will be prepared by Sale is subject to post sale confirmation that the borrower Trustee’s attorney at high bidder’s expense. This is a did not file for protection under the U.S. Bankruptcy Code communication from a debt collector. Glasser and prior to the sale, as well as to post-sale confirmation and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., audit of the status of the loan with the loan servicer Substitute Trustees, Crown Center Building, Suite 600, including, but not limited to, determination of whether the 580 East Main Street, Norfolk, VA 23510, File No. 91824, borrower entered into any repayment agreement, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 reinstated or paid off the loan prior to the sale. In any such event, the sale shall be null and void, and the noon only. 22993816 Purchaser’s sole remedy, in law or equity, shall be the return of his deposit without interest. Additional terms may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you TRUSTEE'S SALE OF that this firm is a debt collector attempting to collect the 1032 COLLECTION CREEK WAY indebtedness referred to herein and any information we #5,VIRGINIA BEACH, VA 23451 obtain will be used for that purpose. In execution of a Deed of Trust in the original principal amount of $359,188.00, with an annual interest rate of 6.2500% from Billie G. Fraser dated April 25, 2007, recorded among the land records of the Circuit Court for the City of Virginia Beach as Deed Book/Instrument Number 20070426000566600, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Virginia Beach, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 9, 2012 at 11:30 AM, the property with improvements to wit: UNIT 105, IN THAT CERTAIN CONDOMINIUM ENTITLED "MILL CREEK II CONDOMINIUM", LOCATED IN THE CITY OF VIRGINIA BEACH, VIRGINIA, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN CONDOMINIUM DECLARATION ENTITLED DECLARATION OF CONDOMINIUM MILL CREEK II CONDOMINIUM, DATED MARCH 6, 2007, AND RECORDED IN THE CLERK'S OFFICE OF THE CITY OF VIRGINIA BEACH, VIRGINIA, ON MARCH 21, 2007 AS INSTRUMENT NUMBER 20070321000375960. AND further described in the above Deed of Trust. (Tax Map No. 2408-44-5692-1032) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-203346D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 22990788

TRUSTEE'S SALE OF 4437 SEGOVIA COURT, VIRGINIA BEACH, VA 23462 In execution of a Deed of Trust in the original principal amount of $130,489.00, with an annual interest rate of 5.7500% from VIVIAN E. BLAIZE dated July 28, 2005, recorded among the land records of the Circuit Court for the CITY OF VIRGINIA BEACH as Deed Book/Instrument Number 200508110126700, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF VIRGINIA BEACH, AT THE FRONT OF THE LAW OFFICE OF SHAPIRO BROWN & ALT, LLP LOCATED AT 236 CLEARFIELD AVENUE, SUITE 215, VIRGINIA BEACH, VIRGINIA on May 9, 2012 at 11:30 AM,

SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-000596-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23-24519

TRUSTEE SALE 1220 and 1222 Midland St, Norfolk, VA 23523-1742 In execution of a Deed of Trust in the original principal amount of $70,000.00, dated February 9, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 080024311, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lots 129 and 131 as shown on the plat of the tract known as the John M. Hodges Tract duly recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia, with improvements thereon. TERMS OF SALE: CASH: A deposit of $5,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT:

such event, the sale shall be null and void, and the TRUSTEE SALE Purchaser’s sole remedy, in law or equity, shall be the 3015 Pleasant Ave, return of his deposit without interest. Additional terms may be announced at the time of sale. Pursuant to the Norfolk, VA 23518-1331 Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the In execution of a Deed of Trust in the original principal amount7,of2012 $79,000.00, dated October 13, 2006 indebtedness referred to herein and any»information we MAY BUSINESS MONDAY, 60 » INSIDE recorded in the Clerk's Office of the Circuit Court of the obtain will be used for that purpose. City Of Norfolk, Virginia, in Instrument 060044285, SAMUEL I. WHITE, P.C., Substitute Trustee default having occurred in the payment of the Note thereby secured and at the request of the holder of said This is a communication from a debt collector. Note, the under-signed Substitute Trustee will offer for sale FOR INFORMATION CONTACT: at public auction at the entrance to the Courts Building, SAMUEL I. WHITE, P.C. (01-008924-12/CONV) 100 St. Paul's Blvd., Norfolk, Virginia, on May 5040 Corporate Woods Drive, Suite 120 22, 2012 at 10:30 o'clock am the Virginia Beach, Virginia 23462 property described in said deed, located at the above 757-457-1460 - Call Between 9:00 a.m. and 11:30 address and briefly described as: Lots 2, 4, and 6, Block a.m. or visit our website at www.siwpc.net 26, Plat A, Section 1, East Ocean View Land 23024466 Company, Inc., recorded in Virginia Beach, in Map Book 2, page 55, with improvements thereon.

TRUSTEE SALE 813 Norman Ave, Norfolk, VA 23518-2517 In execution of a Deed of Trust in the original principal amount of $75,000.00, dated April 23, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 070017306, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 27, Block 2, Watts Property, on plat recorded in deed 20, page 19, with improvements thereon. TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-009110-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024433

TRUSTEE SALE 3815 Atterbury St, Norfolk, VA 23513-4215 In execution of a Deed of Trust in the original principal amount of $208,000.00, dated March 17, 2009 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 090006345, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lots 6, 7 , 8 and 9, In Block 8, as shown on that certain plat entitled "Plat of Overbrook", which said plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Map Book 16, at page 7, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-027993-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m.or visit our website at www.siwpc.net 23024352

TRUSTEE SALE 3015 Pleasant Ave, Norfolk, VA 23518-1331 In execution of a Deed of Trust in the original principal amount of $79,000.00, dated October 13, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 060044285, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building,

TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-028808-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024319

TRUSTEE SALE 178 West Leicester Ave, Norfolk, VA 23503-4344 In execution of a Deed of Trust in the original principal amount of $225,000.00, dated October 31, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 060050192, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lots 61 and 62, Block 16, Pamlico Realty Corporation, recorded in the Clerk’s office of the Circuit Court, City of Chesapeake, Virginia, in Map Book 16, at Page 3, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00 , or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-009214-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024146

BWW# 117705

TRUSTEE'S SALE OF 626 Georgia Avenue, Norfolk, VA 23508. In execution of a certain deed of trust dated

July 15, 2005, in the original principal amount of $206,250.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 050028330, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 31, 2012, at 1:02 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, NOW KNOWN AS 626 GEORGIA AVENUE, SITUATED IN THE CITY OF NORFOLK, STATE OF VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 38 AND THE WESTERN OR ADJOINING ONE-HALF OF LOT 37, IN BLOCK 47, AS SHOWN ON THE PLAT OF COLONIAL PLACE WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRGINIA, IN MAP BOOK 4, AT PAGE 36 AND IN MAP BOOK 1 AT PAGE 20-A..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

MAP BOOK 4, AT PAGE 36 AND IN MAP BOOK 1 AT PAGE 20-A..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703) 548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23023950

BWW# 141539

TRUSTEE'S SALE OF 5332 Silvey Drive, Norfolk, VA 23502 . In execution of a certain deed of trust dated

October 19, 2006, in the original principal amount of $172,521.03 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 060044449, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 31, 2012, at 1:03 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN PARCEL OF LAND IN NORFOLK, COMMONWEALTH OF VA, AS MORE FULLY DESCRIBED IN BOOK 2530, PAGE 0541 ID# 15687475, BEING KNOWN AND DESIGNATED AS LOT 14, BLOCK J. PLAT ENTITLED SUBDIVISION OF RIVER OAKS, SECTION II, FILED IN MAP BOOK 34 AT PAGE 76.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23023947

TRUSTEE'S SALE OF 8232 Briarwood Circle, Norfolk, VA 23518 . In execution of a certain deed of trust dated

November 17, 2010, in the original principal amount of $166,359.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 100024674, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on June 12, 2012, at 1:01 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF NORFOLK, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 3, BLOCK 6, ON THE PLAT OF SECTION 1, FOREST PARK PROPERTY OF DALIS CONSTRUCTION CORPORATION, NORFOLK COUNTY, VIRGINIA, WHICH SAID PLAT IS RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE (FORMERLY NORFOLK COUNTY) VIRGINIA, IN MAP BOOK 34 (ERRONEOUSLY SHOWN AS 31 IN PRIOR DEEDS) AT PAGE 15..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 146331 A-4240355 05/07/2012, 05/14/2012 23023915

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 146331 A-4240355 05/07/2012, 05/14/2012 23023915

TRUSTEE'S SALE OF 1746 Pope Avenue, Norfolk, VA 23509. In execution of a certain deed of trust dated

May 31, 1997, in the original principal amount of $73,100.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 970009766, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012, at 1:04 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THOSE CERTAIN LOTS, PIECES OR PARCELS OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE IN THE CITY OF NORFOLK, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOTS SEVENTEEN (17) AND EIGHTEEN (18), IN BLOCK ONE (1), AS SHOWN ON THE "PLAT OF GOWRIE PARK", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRGINIA, IN MAP BOOK 5, AT PAGE 24..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 146372 A-4240357 05/07/2012, 05/14/2012 23023911

Trustee's Sale 514&516 Boissevain Avenue, Norfolk, Virginia 23508 (Tax ID No. 18695205) Default having been made in the terms of a certain Deed of Trust dated May 21, 2007, in the original principal amount of $315,000.00 and recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia as Instrument No. 070020682, the undersigned Substitute Trustees will sell at public auction on May 22, 2012, at 9:10 a.m., in front of the building housing the Norfolk Circuit Court, 100 St. Paul's Boulevard, Norfolk, VA, the property designated as Lots 12 and 13, in Block 13, as shown on that certain plat entitled Plat Of The Ghent Company And The Norfolk Company, which said plat is duly recorded in the aforesaid Clerk's Office, in Map Book 1, at Page 28A and 28B. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $31,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 97860, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23023171

NOTICE OF SUBSTITUTE TRUSTEE'S SALE 1300 STOCKLEY GARDENS #205, NORFOLK, VA 23517 By virtue of the Power and authority contained in a Deed of Trust from Aaron C. Nesbit dated May 5, 2006, and recorded in Instrument No. 060040480 in the Clerk's Office of the Circuit Court for the City of Norfolk, Virginia, with an original principal balance of $100,000.00, the holder of the indebtedness secured by said Deed of Trust having appointed as Substitute Trustees STEVEN L. BROWN and JOHN F. SAWYER, by instrument duly executed, acknowledged and delivered, default having occurred under the terms thereof, and at the written request of the party secured thereby, the Substitute Trustee will offer for sale at public auction at the front steps of the Circuit Court for the City of Norfolk, VA, at 100 St. Paul's Blvd., Norfolk, Virginia, on

Trustee will offer for sale at public auction at the front steps of the Circuit Court for the City of Norfolk, VA, at 100 St. Paul's Blvd., Norfolk, Virginia, on

May 16, 2012 at 8:30 a.m. Improved real property known as 1300 Stockley Gardens, #205, Norfolk, VA 23517, and more fully described as: A parcel of land situated in the state of Virginia, County of Norfolk City, with a street location address of 1300 Stockley Gdns, Apt. 205, Norfolk, VA 23517-1865 currently owned by Aaron c. Nesbit having a tax identification number of 27794672 and being the same property more fully described in book/page or document number 5487 dated 2/28/2002 and further described as 1, 4-12 / pts 3 / 13 blk 3 Unit 205. The address of this property is 1300 Stockley Gardens, #205, Norfolk, VA 23517 TERMS OF SALE: Cash. A deposit of $10,000.00 or ten percent (10%) of the sale price, whichever is lower, in cash or certified check payable to the Substitute Trustee shall be required of the successful bidder at the time of sale before the bidding will be closed. The balance of the purchase price will be due within fifteen (15) days of sale. Written notice of this Substitute Trustee's sale, as required by Section 55-59.1 of the 1950 Code of Virginia, as amended, has been sent to the property owners as their addresses appear in the records of the noteholder, and to all parties prescribed therein. Additional terms of sale will be announced at the sale. STEVEN L. BROWN JOHN F. SAWYER Wolcott Rivers Gates Convergence Center IV 301 Bendix Road, Suite 500 Virginia Beach, VA 23452 (757) 497-6633

23022914

FOR INFORMATION CONTACT: Steven L. Brown Wolcott Rivers Gates Convergence Center IV 301 Bendix Road, Suite 500 Virginia Beach, VA 23452 (757) 497-6633

TRUSTEE SALE 1200 Bunsen Court, Norfolk, VA 23513-1904 In execution of a Deed of Trust in the original principal amount of $32,800.00, dated March 30, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 050014010, at page 002746, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 17, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Site 20, Block 1, improvements thereon.

Wellington

Oaks,

with

Subject to restrictions, covenants, easements, requirements as shown in Deed Book 2730 at page 869. TERMS OF SALE: CASH: A deposit of $2,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-008871-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 230222554

Trustee's Sale 1530 West Little Creek Road, Norfolk, Virginia 23505 (Tax ID No. 27174500) Default having been made in the terms of a certain Deed of Trust dated April 12, 2006, in the original principal amount of $252,967.45 and recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia as Instrument No. 060018439, the undersigned Substitute Trustees will sell at public auction on May 29, 2012, at 9:10 a.m., in front of the building housing the Norfolk Circuit Court, 100 St. Paul's Boulevard, Norfolk, VA, the property designated as Lot No. One as shown on the plat entitled “Subdivision of North Meadowbrook” dated November 1951 duly recorded in the aforesaid Clerk’s Office, in Map Book 14 at Page 80. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $25,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to

Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $25,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com , outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 95695, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23022424

TRUSTEE'S SALE OF 1576 MILTATE AVENUE, NORFOLK, VA 23502 In execution of a Deed of Trust in the original principal amount of $124,800.00, with an annual interest rate of 3.1250% from William W. Redding, III dated May 15, 2007, recorded among the land records of the Circuit Court for the City of Norfolk as Deed Book/Instrument Number 070019832, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 30, 2012 at 9:30 AM, the property with improvements to wit: Lot 32, siutate in the City of Norfolk, Virginia as shown on the plat entitled, Plat of West Fox Hall, as the same is duly dedicated, platted and recorded in Map Book 22, at Page 36 among the Land Records of the City of Chesapeake, Virginia, except for a strip of land fronting 18 feet on the Eastern side of Miltate Avenue and running back between parallel lines, the Northern line of said strip being parallel with and 18 feet north of the line dividing Lots 32 and 33 on said plat. AND further described in the above Deed of Trust. (Tax Map No. 3067-6700) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $12,400.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 12-225895. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23022319

TRUSTEE SALE 7441 Davidson St, Norfolk, VA 23513-1731

TRUSTEE SALE 8803 Semmes Ave, Norfolk, VA 23503-4825 In execution of a Deed of Trust in the original principal amount of $151,200.00, dated June 4, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 070022987, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 17, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 42, Commodore Park, recorded in Map Book 10, page 72, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00 , or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-017467-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022253

TRUSTEE'S SALE OF 762 BURKSDALE ROAD, NORFOLK, VA 23518 In execution of a Deed of Trust in the original principal amount of $87,600.00, with an annual interest rate of 7.5000% from CORRINNA L. K. JENNINGS dated November 7, 1997, recorded among the land records of the Circuit Court for the CITY OF NORFOLK as Deed Book/Instrument Number 2961 AT PAGE 0188, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF NORFOLK, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on June 6, 2012 at 9:30 AM, the property with improvements to wit: LOT 17, AS SHOWN ON THE PLAT ENTITLED, "NORVA HOMES", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 27, AT PAGE 19. AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

In execution of a Deed of Trust in the original principal amount of $131,250.00, dated August 8, 2008 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 080023038, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 17, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as:

TERMS OF SALE: ALL CASH. A bidder's deposit of $8,700.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: VA. Trustee's File No. 11-221602V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23021499

Lots 28 and 29, Block 3, Washington Park, recorded in Map Book 4, page 68, in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia, with improvements thereon.

BWW# 126652

Subject to that easement described in Deed Book 2026 at page 629. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-022834-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 2302286

TRUSTEE'S SALE OF 634 West 36th Street, Norfolk, VA 23508. In execution of a certain deed of trust dated

January 06, 2006, in the original principal amount of $120,000.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 060005930, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012, at 1:00 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THOSE CERTAIN LOTS, PIECES OR PARCELS OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, NOW OR FORMERLY KNOWN AS 634 W. 36TH STREET IN THE CITY OF NORFOLK, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOTS 10 AND 12, BLOCK "0", AS SHOWN ON THE "PLAT OF KENSINGTON", WHICH PLAT IS RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 4, AT PAGE 78, SAID PROPERTY FRONTING 50 FEET ON THE NORTHERN SIDE OF W. 36TH STREET, AND EXTENDING BACK BETWEEN PARALLEL LINES 100 FEET, THE PROPERTY WESTERN SIDE BEING PARALLEL WITH AND 100 FEET EAST OF THE EASTERN STREET LINE OF GOSNOLD AVENUE, REFERENCE BEING MADE TO THE AFORESAID PLAT FOR A MORE PARTICULAR DESCRIPTION OF THE PROPERTY..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

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23021363

Trustee's Sale 1550 Johnstons Road, Norfolk, Virginia 23518 (Tax ID No. 03706400) Default having been made in the terms of a certain Deed of Trust dated May 1, 2006, in the original principal amount of $255,272.00 and recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia as Instrument No. 060019105, the undersigned Substitute Trustees will sell at public auction on June 5, 2012, at 9:10 a.m., in front of the building housing the Norfolk Circuit Court, 100 St. Paul's Boulevard, Norfolk, VA, the property designated as Lot 17, in Block Numbered 13, on a plat entitled, "Subdivision of Larrymore Lawns, Section 6, Norfolk, Virginia, …Princess Anne County, VA," recorded in the aforesaid Clerk's Office, in Map Book 19, at Page 96. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $25,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. Atlantic Trustee Services, L.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 98169, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23021150

TRUSTEE'S SALE OF 8915/8917 Brighton Street, Norfolk, Virginia In execution of a Deed of Trust in the original amount of $276,000.00 recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia, as Instrument number 080014314 and default having occurred in the payment of the Note secured thereby, at the request of the holder the undersigned Trustee will offer for sale at public auction at 9:00 A.M. on May 29, 2012, on the front steps of the Circuit Court of the City of Norfolk, Virginia, 100 St. Paul's Boulevard, Norfolk, Virginia, the property set forth in the deed of trust and briefly described as follows: Lots Numbered 21, 22, 23, and 24, Block H, on the West side of Brighton Street, as shown on that certain plat entitled "Ocean View Syndicate", duly recorded in the Circuit Court of the City of Chesapeake (formerly Norfolk County), Virginia, in Map Book 8, page 41. TERMS: CASH: A deposit of $2500.00 by cashier's check or cash and settlement held within fourteen (14) days; subject to such other terms as are announced at the sale. JAMES M. PICKRELL, JR., Trustee 403 Boush Street, Suite 300 Norfolk, VA 23510 Telephone: 757-627-8365 To be published in Inside Business on May 7, 14, 21, and 28, 2012. 23020057

TRUSTEE'S SALE OF 3509 Granby Street, Norfolk, Virginia In execution of a Deed of Trust in the original amount of $636,000.00 recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia, as Instrument number 080008899 (and rerecorded as Instrument number 080029076) and default having occurred in the payment of the Note secured thereby, at the request of the holder the undersigned Trustee will offer for sale at public auction at 9:10 A.M. on May 29, 2012, on the front steps of the Circuit Court of the City of Norfolk, Virginia, 100 St. Paul's Boulevard, Norfolk, Virginia, the property set forth in the deed of trust and briefly described as follows: Lots Numbered 9, 10, 11, 12, 15, 16 and southern portion of Lot 13, Block 16 as shown on that certain plat entitled "Virginia Place" duly recorded in the Clerk's Office of the Circuit Court for the City of Chesapeake in Map Book 4, pages 60 and 61; and Lot A, on that certain plat entitled "Subdivision of Part of Lot 14 and Part of Lot 13, Block 16, Virginia Place" duly recorded in the Circuit Court for the City of Chesapeake in Map Book 17, page 103. TERMS: CASH: A deposit of $15,000.00 by cashier's check or cash and settlement held within fourteen (14) days; subject to such other terms as are announced at the sale. JAMES M. PICKRELL, JR., Trustee 403 Boush Street, Suite 300 Norfolk, VA 23510

12.3500% from Barry S. Bernstein and Eleanor P. Bernstein dated January 17, 2006, recorded among the land records of the Circuit Court for the City of Norfolk as Deed Book/Instrument Number 060006205 and Modified at Deed Instrument Number 100019156, the undersigned appointed Substitute Trustee will offer for sale at public auction in the»City of Norfolk,BUSINESS at the front of the Circuit TERMS: CASH: A deposit of $15,000.00MONDAY, by cashier's check » 61 INSIDE MAY 7, 2012 or cash and settlement held within fourteen (14) days; Court building for the City of Norfolk located at 100 St. subject to such other terms as are announced at the sale. Pauls Blvd, Norfolk, Virginia on May 23, 2012 at 9:30 AM, the property with improvements to JAMES M. PICKRELL, JR., Trustee wit: 403 Boush Street, Suite 300 Norfolk, VA 23510 Lot 57, on the plat of subdivision of Wexford Terrace, Telephone: 757-627-8365 which plat is recorded in the Clerk's office of the Circuit Court (formerly Corporation Court) of the City of Norfolk, To be published in Inside Business on May 7, 14, 21, and Viriginia, in Map Book 14, at page 44. 28, 2012. 23020033 60 and 61; and Lot A, on that certain plat entitled "Subdivision of Part of Lot 14 and Part of Lot 13, Block 16, Virginia Place" duly recorded in the Circuit Court for the City of Chesapeake in Map Book 17, page 103.

AND further described in the above Deed of Trust. (Tax Map No. 1736800)

TRUSTEE SALE 6932 Partridge St, Norfolk, VA 23513-2950 In execution of a Deed of Trust in the original principal amount of $126,000.00 , dated May 22, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 060022733, at page 000345, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 15, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 10, as shown on Plat dated April 1952, and recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Map Book 34, Page 43, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-022869-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23019708

TRUSTEE SALE 7135 Hunters Chase, Norfolk, VA 23518-4449 In execution of a Deed of Trust in the original principal amount of $235,000.00 , dated August 25, 2008 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 080025340, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 15, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 40, Waters Edge, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-004005-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23019584

TRUSTEE'S SALE OF 7471 MILLBROOK ROAD, NORFOLK, VA 23505 In execution of a Deed of Trust in the original principal amount of $214,500.00, with an annual interest rate of 12.3500% from Barry S. Bernstein and Eleanor P. Bernstein dated January 17, 2006, recorded among the land records of the Circuit Court for the City of Norfolk as Deed Book/Instrument Number 060006205 and Modified at Deed Instrument Number 100019156, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 23, 2012 at 9:30 AM, the property with improvements to wit:

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-224171. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23019458

TRUSTEE SALE 1224 Curie Court Norfolk, VA. 23513 In

execution of a Deed of Trust from Shirley A. Madison and Felicia Patrice Madison dated December 3, 2004 and recorded in the Clerk's Office, Circuit Court, City of Norfolk, Virginia, as instrument number 040048052 and Rerecorded as instrument number 050017076, securing a loan which was originally $42,000.00. Default having occurred in the payment of the Note thereby secured, and at the request of the holder of said Note, the undersigned Substitute Trustees will offer for sale at public auction at the City of Norfolk Circuit Courthouse, 100 St. Pauls Boulevard, the main entrance, Norfolk Virginia on May 18, 2012 at 12:00 PM, the property described in said Deed of Trust, located at the above address and briefly described as: Site 19, Block 6, Wellington Oaks. Tax ID/PIN: 73061040 The property will be conveyed by Special Warranty Deed, subject to all existing easements, restrictions and any other conditions that may affect title to the property. The Noteholder reserves the right to bid at the said sale. TERMS: CASH: A bidder's deposit of $5,000.00, cash or certified check, will be required at the time of sale with the settlement and full payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: CONV VT1225853 FOR INFORMATION CONTACT: Between 8 - 11 AM Nectar Projects, Inc. - Substitute Trustees P.O. Box 2848 Purcellville VA 20134 (540) 751-1260 A-4236981 05/07/2012, 05/14/2012 23018650

TRUSTEE SALE 1343 Bayville St, Norfolk, VA 23503-1003 In execution of a Deed of Trust in the original principal amount of $183,191.00, dated April 20, 2009 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 090009459, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts

Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 15, 2012 at 10:30 o'clock am the property

described in said deed, located at the above address and briefly described as: Lot 6, Block 38, Willoughby Beach, recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia (formerly Norfolk County, Virginia), Map Book 5, pages 80 and 81, with improvements thereon. Less and Except that portion of the property conveyed to the Commonwealth of Virginia in Deed Book 1076, page 77. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose.

SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-020778-10/VA) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012381

trust dated July 24, 2008, in the original principal amount of $716,000.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 080022217, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public 7, 2012 62 » INSIDE BUSINESS » MONDAY, MAY auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on June 05, 2012, at 1:00 PM, the property described in said TRUSTEE SALE deed of trust, located at the above address, 1015 Norchester Ave, Norfolk, and more particularly described as follows: VA 23504-3723 ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND In execution of a Deed of Trust in the original IMPROVEMENTS THEREON, SITUATE IN THE CITY OF NORFOLK, VIRGINIA, AND KNOWN, principal amount of $142,800.00, dated February 2, 2007 recorded in the Clerk's NUMBERED AND DESIGNATED AS LOT 4-59, Office of the Circuit Court of the City Of BLOCK 4-G, AS SHOWN ON THAT PLAT Norfolk, Virginia, in Instrument ENTITLED "SUBDIVISION OF EAST BEACH 070005116, default having occurred in the PHASE 4, NORFOLK, VA FOR NORFOLK payment of the Note thereby secured and at REDEVELOPMENT AND HOUSING AUTHORITY", the request of the holder of said Note, the DATED DECEMBER 5, 2005, PREPARED BY under-signed Substitute Trustee will offer for ROUSE-SIRINE ASSOCIATES, LTD, WHICH SAID sale at public auction at the entrance to the PLAT WAS DULY RECORDED DECEMBER 16, 2005, IN THE CLERK'S OFFICE OF THE CIRCUIT Courts Building, 100 St. Paul's COURT OF THE CITY OF NORFOLK, VIRGINIA, IN Blvd., Norfolk, Virginia, on May MAP BOOK 59, AT PAGES 133A THROUGH 15, 2012 at 10:30 o'clock am the 140A, INCLUSIVE..TERMS OF SALE: ALL CASH. property described in said deed, located at the A bidder's deposit of ten percent (10%) of the above address and briefly described as: As sale price or ten percent (10%) of the original the Northern one-third (1/3) of lots principal balance of the subject deed of trust, numbers 23, 24 and 25 in Block 3, of A W whichever is lower, in the form of cash or Cornick, Subdivision Number 1, recorded certified funds payable to the Substitute in Chesapeake, Virginia, in Map Book 3, at Trustee must be present at the time of the sale. The balance of the purchase price will be Page 87, with improvements thereon. TERMS OF SALE: CASH: A deposit of due within fifteen (15) days of sale, otherwise Purchaser's deposit may be forfeited to $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will Trustee. Time is of the essence. Sale is subject to post sale confirmation that the borrower did be required at the time of sale with settlement within fifteen (15) days from the date of sale. not file for protection under the U.S. Sale is subject to post sale confirmation that Bankruptcy Code prior to the sale, as well as the borrower did not file for protection under to post-sale confirmation and audit of the the U.S. Bankruptcy Code prior to the sale, as status of the loan with the loan servicer well as to post-sale confirmation and audit of including, but not limited to, determination of the status of the loan with the loan servicer whether the borrower entered into any including, but not limited to, determination of repayment agreement, reinstated or paid off whether the borrower entered into any the loan prior to the sale. In any such event, repayment agreement, reinstated or paid off the sale shall be null and void, and the the loan prior to the sale. In any such event, Purchaser's sole remedy, in law or equity, shall the sale shall be null and void, and the be the return of his deposit without interest . Purchaser’s sole remedy, in law or equity, shall Additional terms to be announced at the sale. be the return of his deposit without interest. A form copy of the Trustee's memorandum of Additional terms may be announced at the foreclosure sale and contract to purchase real time of sale. Pursuant to the Federal Fair Debt property is available for viewing at Collection Practices Act, we advise you that www.bwwsales.com. This is a communication this firm is a debt collector attempting to from a debt collector and any information collect the indebtedness referred to herein and obtained will be used for that purpose. The any information we obtain will be used for that sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 8100 purpose. Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information SAMUEL I. WHITE, P.C., Substitute Trustee contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, This is a communication from a debt collector. Suite 200, Bethesda, MD 20814, (301) FOR INFORMATION CONTACT: 961-6555, website: www.bwwsales.com. SAMUEL I. WHITE, P.C. (01-014709-11/CONV) BWW# 143015 A-4237270 04/30/2012, 5040 Corporate Woods Drive, Suite 120 05/07/2012 23012039 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net TRUSTEE'S SALE OF 512 23012321

Connecticut Avenue, Norfolk, VA 23508. In execution of a certain deed

TRUSTEE SALE 7932 Thompson Road Unit A, Norfolk, VA 23518-3522 In execution of a Deed of Trust in the original principal amount of $238,400.00, dated January 12, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 070001830, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 15, 2012 at 10:30 o'clock am the

property described in said deed, located at the above address and briefly described as: Lot B, Block 1, Cook Property, recorded in map book 33, page 77, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-027025-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012308

TRUSTEE'S SALE OF 9630 28th Bay Street, Norfolk, VA 23518. In execution of a certain deed of

of trust dated August 31, 2009, in the original principal amount of $234,900.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 090021197, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 31, 2012, at 1:01 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THOSE CERTAIN LOTS, PIECES OR PARCELS OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF NORFOLK, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS THE WESTERN TWENTY (20) FEET OF LOT THIRTY-ONE (31) AND THE EASTERN FIFTEEN (15) FEET OF LOT THIRTY-TWO (32), IN BLOCK SIXTEEN (16) ON THE REVISED PLAT OF COLONIAL PLACE CORPORATION, OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRGINIA, IN MAP BOOK 4, AT PAGE 36, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING ON THE NORTHERN SIDE OF CONNECTICUT AVENUE AT A POINT FIVE (5) FEET FROM THE SOUTHWEST CORNER OF LOT THIRTY (30) IN BLOCK SIXTEEN (16), ON THE AFOREMENTIONED PLAT; THENCE RUNNING IN A WESTERLY DIRECTION ALONG THE NORTHERN SIDE OF CONNECTICUT AVENUE THIRTY-FIVE (35) FEET; THENCE NORTHERLY AT RIGHT ANGLES TO CONNECTICUT AVENUE ONE HUNDRED TEN (110) FEET; THENCE EASTERLY AND PARALLEL WITH CONNECTICUT AVENUE THIRTY-FIVE (35) FEET TO A POINT DISTANT FIVE (5) FEET FROM THE NORTHWEST CORNER OF LOT NUMBER THIRTY (30) IN BLOCK SIXTEEN (16), ON SAID PLAT; AND THENCE SOUTHERLY AND PARALLEL WITH COLONIAL AVENUE ONE HUNDRED TEN (110) FEET TO THE POINT OF BEGINNING..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com.

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143552 A-4237269 04/30/2012, 05/07/2012 23012028

TRUSTEE'S SALE OF 9506 Alpine Street, Norfolk, VA 23503. In execution of a certain deed of

trust dated August 18, 2005, in the original principal amount of $183,870.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 050034600, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012, at 1:03 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF NORFOLK, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 16, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF WILLOW TERRACE, SECTION 5", WHICH SAID PLAT IS DULY REOCRDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRIGNIA, IN MAP BOOK 18, AT PAGE 105..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 135182 A-4237266 04/30/2012, 05/07/2012 23012003

TRUSTEE'S SALE OF 5901 ADDERLEY STREET Norfolk Virginia Pursuant to the terms of a deed of trust dated March 21, 2006, in the original principal amount of $133,600.00, recorded in the Clerk's Office, Circuit Court for the City of Norfolk, Virginia, as Instrument Number 060014266 and re-recorded as Instrument Number 060039018, the property briefly described below will be offered for sale at public auction. Lots 19 and 20, Block 1, Glenrock, as the same is duly dedicated, platted and recorded in Map Book 3 at page 135, among the land records for the City of Virginia Beach, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 22, 2012 at 3:00 p.m. at the main entrance of the building housing the Circuit Court for the City of Norfolk, Virginia. Terms: A deposit in the form of certified funds in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804) 288-0088 Ref#232032 Ad dates: April 30, 2012 May 7, 2012 23009710

TRUSTEE'S SALE OF 6052 FORESTTOWN DRIVE, NORFOLK, VA 23502 In execution of a Deed of Trust in the original principal amount of $127,991.00, with an annual interest rate of 4.2500% from Douglas A. Edwards dated May 20, 2008, recorded among the land records of the Circuit Court for the City Of Norfolk as Deed Book/Instrument Number 080014868 AND MODIFIED AT 110012403, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City Of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 30,

NORFOLK, VA 23502 In execution of a Deed of Trust in the original principal amount of $127,991.00, with an annual interest rate of 4.2500% from Douglas A. Edwards dated May 20, 2008, recorded among the land records of the Circuit Court for the City Of Norfolk as Deed Book/Instrument Number 080014868 AND MODIFIED AT 110012403, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City Of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 30, 2012 at 9:30 AM, the property with improvements to wit: SITE 17, CORRECTED SUBDIVISION OF EASTON FOREST TOWNHOUSES, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRGINIA, IN MAP BOOK 27 AT PAGE 13. AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $12,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Trustee's File No. 11-223305V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23009189

Trustee's Sale 696 Mowbray Arch, Unit 350, Norfolk, Virginia 23507 (Tax ID No. 10587500) Default having been made in the terms of a certain Deed of Trust dated July 14, 2006, in the original principal amount of $226,900.00 and recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia as Instrument No. 060029718, the undersigned Substitute Trustees will sell at public auction on May 8, 2012, at 9:10 a.m., in front of the building housing the Norfolk Circuit Court, 100 St. Pauls Boulevard, Norfolk, VA, the property designated as Unit Number 350, in 696 Mowbray Arch, a Condominium, situated in the City of Norfolk, State of Virginia, as shown on that certain plat entitled, "696 Mowbray Arch, a Condominium", which plat is duly recorded in the aforesaid Clerk's Office in Map Book 40, at Page 117, et. Seq. And admitted to record as an exhibit to a Condominium Declaration for 696 Mowbray Arch, a Condominium, which Declaration, dated October 4, 1984, duly recorded in the aforesaid Clerk's Office in Deed Book 1779, at Page 1, together with a one thirteen (1/13th) undivided interest in the common areas of said Condominium as set forth in the aforesaid Declaration, as well as other appurtenances and rights accruing to said unit as are set forth in said Declaration, said pro rata one thirteen (1/13th) interest subject to revision by future amendments to said Declaration converting additional areas to the Condominium regime as specified in said Declaration. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $22,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 95261, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23009135

TRUSTEE'S SALE 2714 Peronne Avenue, Norfolk, VA 23509 Account No. 19550500 / GPIN 1438735921 Pursuant to the terms of a deed of trust dated November 5, 2007, in the original principal amount of $154,082.00, recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia as Instrument No. 070040715, the property briefly described below will be offered for sale at public auction: Lot 7, Block X, Lafayette Terrace, as shown on a plat recorded in the aforesaid Clerk's Office in Map Book 10, Page 7, and as more particularly described in the referenced deed of trust. The sale will take place on MAY 17, 2012 AT 10:30 A.M., at the front entrance to the building

housing the Circuit Court of the City of Norfolk, located at 100 St. Paul's Boulevard, Norfolk, VA. The property and the improvements thereon will be sold "AS IS" and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to the mentioned deed of trust and lawfully affecting the property. Terms: A deposit in the form of CERTIFIED FUNDS in the amount of $14,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee,

sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1228071). 23008990

Trustee's Sale 9261 Phillip Avenue, Norfolk, Virginia 23503 (Tax ID No. 10380200 & 10380220) Default having been made in the terms of a certain Deed of Trust dated March 27, 2006, in the original principal amount of $41,000.00 and recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia as Instrument No. 060015892, the undersigned Substitute Trustees will sell at public auction on May 8, 2012, at 9:10 a.m., in front of the building housing the Norfolk Circuit Court, 100 St. Paul's Boulevard, Norfolk, VA, the property designated as 9261 (formerly 834) Phillips Avenue, situate in the City of Norfolk, Virginia, known, numbered and designated as Lots 28, 29 and 30, in Block 4, as shown on the plat of Duvall Land Corporation, which plat is recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, in Map Book 7, at Page 41? EXCEPT that part of said lots conveyed to the Commonwealth of Virginia for the purpose of constructing Interstate Route 64 by deed recorded in the Clerk's Office of the Circuit Court of Norfolk, Virginia, in Deed Book 1088, at Page 196. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $4,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 97316, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23007897

TRUSTEE'S SALE OF 2420 BARRAUD AVENUE, NORFOLK, VA 23504 In execution of a Deed of Trust in the original principal amount of $120,000.00, with an annual interest rate of 1.6200% from Viola M. Baker A/K/A Viola Baker dated March 19, 2007, recorded among the land records of the Circuit Court for the City of Norfolk as Deed Book/Instrument Number 070011831, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 23, 2012 at 9:30 AM, the property with improvements to wit: ALL THOSE TWO (2) CERTAIN LOTS OF LAND SITUATE IN THE CITY OF NORFOLK, VIRGINIA, AND DESIGNATED AS LOTS NUMBERED THREE (3) AND FOUR (4) IN BLOCK NUMBERED TWENTY-NINE (29), AS SHOWN ON THE PLAT OF BARRAUD TRACT OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, FORMERLY NORFOLK COUNTY, VIRGINIA IN MAP BOOK 16, AT PAGE 55. AND further described in the above Deed of Trust. (Tax Map No. 01733700) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $12,000.00 or 10% of the sale price, whichever is lower , will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Trustee's File No. 12-225639. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23007793

TRUSTEE'S SALE OF 3426 Sewells Point Road, Norfolk, VA 23513. In execution of a certain deed of trust

dated September 29, 2006, in the original principal amount of $135,920.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 060042127, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012, at 1:02 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, NOW KNOWN AS #3426 AND #3428 SEWELLS POINT ROAD, SITUATE IN THE CITY OF NORFOLK, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 2 IN BLOCK 1, ON THE PLAT ENTITLED "SUBDIVISION NO. 1 OF ELMHURST, PROPERTY OF BROAD ACRES HOME CORPORATION, NORFOLK COUNTY, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE,

the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012, at 1:02 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, NOW KNOWN AS #3426 AND #3428 SEWELLS POINT ROAD, SITUATE IN THE CITY OF NORFOLK, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 2 IN BLOCK 1, ON THE PLAT ENTITLED "SUBDIVISION NO. 1 OF ELMHURST, PROPERTY OF BROAD ACRES HOME CORPORATION, NORFOLK COUNTY, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE, CIRCUIT COURT, CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 17, PAGE 70..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 146415 A-4235910 04/30/2012, 05/07/2012 23007450

TRUSTEE'S SALE OF 1089 Johnstons Road, Norfolk, VA 23513 . In execution of a certain deed of trust dated

November 23, 2005, in the original principal amount of $199,000.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 050051455, and modified on April 24, 2008, to increase the principal balance to $213,536.52. This modification agreement was recorded in Instrument No. 080016330, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 22, 2012, at 1:01 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, AND LYING AND BEING IN THE CITY OF NORFOLK, VIRGINIA NUMBERED AND DESIGNATED AS LOT E, AS SHOWN ON THE PLAT OF "RESUBDIVISION OF THE EASTERN 17.75' OF LOT 19, LOTS 20, 21, 22 AND THE REMAINDER OF LOT 23, BLOCK 3, PLAN OF OAKWOOD, NORFOLK, VIRGINIA (MAP BOOK 3, PAGE 59) - CHES, VA" SAID PLAT BEING DULY RECORDED IN THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRGINIA, IN MAP BOOK 51, AT PAGE 78..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136529 A-4235912 04/30/2012, 05/07/2012 23996419

TRUSTEE'S SALE OF 3130 North Stonebridge Drive, Norfolk, VA 23504. In execution of a

certain deed of trust dated May 17, 2007, in the original principal amount of $457,500.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 070020037, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 31, 2012, at 1:00 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE IN THE CITY OF NORFOLK, STATE OF VIRGINIA, AS MORE FULLY DESCRIBED IN DEED INST #030040945, ID# 7008-8047, DESIGNATED AS SITE 889 AS SHOWN ON SHEET 2 OF A PLAT ENTITLED "SUBDIVISION OF STONEBRIDGE CROSSING SECTION TWO (2), NORFOLK, VIRGINIA," DATED JANUARY 8, 1997, PREPARED BY ROUSE-SIRINE ASSOCIATES, LTD., WHICH PLAT IS RECORDED IN MAP BOOK 50, AT PAGE 101 THROUGH 104..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

PLAT IS RECORDED IN MAP BOOK 50, AT PAGE 101 THROUGH 104..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 140887 A-4235913 04/30/2012, 05/07/2012 23007405

TRUSTEE SALE 2622 Chesterfield Boulevard, Norfolk, VA 23504-4532 In execution of a Deed of Trust in the original principal amount of $155,000.00, dated April 19, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 06018504A, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 8, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: All of Lot 25 and the eastern 20 feet of Lot 26, in Block 1, Chesterfield Heights, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-007691-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23006715

TRUSTEE SALE 6417 Crafford Ave, Norfolk, VA 23518-5220 In execution of a Deed of Trust in the original principal amount of $136,800.00, dated May 31, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 050023734, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 8, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 7, Block 2, Wilburn Farms Subdivision, recorded in Map Book 17, Page 57, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005966-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23006691

SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005966-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23006691

BWW# 140585

TRUSTEE'S SALE OF 4507 Kennebeck Avenue, Norfolk, VA 23513. In execution of a certain deed of trust

dated September 01, 2005, in the original principal amount of $160,000.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 050037274, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 15, 2012, at 1:02 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF NORFOLK, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 5, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "KENNEBECK HEIGHTS, NORFOLK, VIRGINIA", DATED JUNE 8, 1961, MADE BY BALDWIN AND GREGG, CIVIL ENGINEERS AND SURVEYORS, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NORFOLK, VIRGINIA, IN MAP BOOK 18, AT PAGE 100..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703) 548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 2300655

for City of Norfolk, Virginia, in Instrument No. assigned as Limited Common Element 070016369, default having occurred in the payment of appurtenant to the Unit pursuant to Exhibit F of the Note thereby secured and at the request of the holder, that certain Amendment Number One to the the undersigned Substitute Trustee will offer for sale at Declaration recorded in the Clerk’s Office in Deed public auction in the front of the Circuit Court building for Book 2124, at Page 154. the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, PM, MAY the on May 15, 2012, at 1:01 CASH. The Property is to be»sold "AS INSIDE BUSINESS 63 MONDAY, 7,TERMS 2012OF»SALE: property described in said deed of trust, located at the IS" and "WITH ALL FAULTS", without any representations above address. Tax ID: 36192210. TERMS OF SALE: ALL or warranties, SUBJECT TO the rights of any person(s) in CASH. A bidder's deposit of ten percent (10%) of the sale possession, to the extent any such rights exist and have price or ten percent (10%) of the original principal balance priority over the Deed of Trust, and to any covenants, of the subject deed of trust, whichever is lower, in the conditions, restrictions, easements, defects, form of cash or certified funds payable to the Substitute encumbrances, adverse claim, and liens, whether recorded Trustee must be present at the time of the sale. The or inchoate, that have priority over the Deed of Trust. The balance of the purchase price will be due within fifteen successful bidder shall be required to execute a (15) days of sale, otherwise Purchaser's deposit may be memorandum of sale and will be required to provide a forfeited to Trustee. Time is of the essence. Sale is deposit of 10% of the successful bid in cash or certified or subject to post sale confirmation that the borrower did not cashier's check before the sale becomes final. The file for protection under the U.S. Bankruptcy Code prior to Property will be conveyed by Special Warranty deed. the sale, as well as to post-sale confirmation and audit of Settlement must occur within thirty (30) days from date of the status of the loan with the loan servicer including, but sale, TIME BEING OF THE ESSENCE, or the Substitute not limited to, determination of whether the borrower Trustee, without limitation, may apply the deposit to the entered into any repayment agreement, reinstated or paid expenses of sale and the indebtedness secured by the off the loan prior to the sale. In any such event, the sale Deed of Trust, resell the Property at the cost of the shall be null and void, and the Purchaser's sole remedy, in defaulting purchaser, and the Substitute Trustee shall be law or equity, shall be the return of his deposit without entitled to recover from any defaulting purchaser any interest . Additional terms to be announced at the sale. A deficiency resulting from such resale, or sue the defaulting form copy of the Trustee's memorandum of foreclosure purchaser for specific performance. The Substitute sale and contract to purchase real property is available for Trustee reserves the right to remove the Property from viewing at www.bwwsales.com. This is a communication sale at any time before the sale is announced as final, to from a debt collector and any information obtained will be reject any and all bids, keep bidding open for any length of used for that purpose. The sale is subject to seller time, waive deposit requirements, extend time for confirmation. Substitute Trustee: Equity Trustees, LLC, settlement, and announce additional terms of sale. Terms 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, of sale announced at the public auction will supersede all (703)548-4600. For information contact: BWW Law Group, advertised terms of sale. All closing costs, other than the LLC, attorneys for Equity Trustees, LLC, 4520 East West preparation of the Substitute Trustee's deed and the Highway, Suite 200, Bethesda, MD 20814, (301) grantor's tax, shall be borne by the successful bidder. 961-6555, website: www.bwwsales.com. 23994684 Real estate taxes shall be prorated as of the date of sale. The risk of loss or damage to the Property by condemnation, fire or other casualty shall be borne by the successful bidder from and after the time of sale. The Substitute Trustee is not obligated to deliver possession of TRUSTEE'S SALE OF the Property to the successful bidder, who shall be solely responsible for obtaining possession of the Property. 3429 EAST BONNER DRIVE,

NORFOLK, VA 23513

In execution of a Deed of Trust in the original principal amount of $189,050.00, with an annual interest rate of 6.6250% from Steven W. Harris dated December 29, 2006, recorded among the land records of the Circuit Court for the City of Norfolk as Deed Book/Instrument Number 070000052, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 16, 2012 at 9:30 AM, the property with improvements to wit: All that certain lot, piece or parcel of land, with the buildings and improvements thereon, situate, lying and being in the City of Norfolk, Virginia, known, numbered and designated as Lot 92, as shown on that certain plat entitled, "Subdivision of Estabrook Park, Plat 1 (erroneously referred as Plat 2 in previous deed)", which said plat duly recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia, in Map Book 27, at Page 8. AND further described in the above Deed of Trust. (Tax Map No. 3323-8600)

TRUSTEE SALE 9410 Phillip Ave, Norfolk, VA 23503-3330 In execution of a Deed of Trust in the original principal amount of $153,600.00, dated May 16, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Norfolk, Virginia, in Instrument 070019331, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Courts Building, 100 St. Paul's Blvd., Norfolk, Virginia, on May 8, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lots 14 and 15 Block E, Willoughby Heights Corporation, recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia, recorded in Map Book 7, at page 25, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-023035-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23006307 BWW# 129904

TRUSTEE'S SALE OF 146 Burrage Road, Norfolk, VA 23503 . In execution of a certain deed of trust dated

April 13, 2007, in the original principal amount of $227,000.00 recorded in the Clerk's Office, Circuit Court for City of Norfolk, Virginia, in Instrument No. 070016369, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Norfolk, 100 St. Paul's Blvd., Norfolk, Virginia, on May 15, 2012, at 1:01 PM, the property described in said deed of trust, located at the above address. Tax ID: 36192210. 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

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 12-225953. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004637

SUBSTITUTE TRUSTEE'S SALE OF 300 YARMOUTH STREET, UNIT 301 NORFOLK, VA 23510 In execution of a Deed of Trust from MIRIAN A. POPE and EBONEE J. POPE Grantors, to S. FREAR HAWKINS, II and MELISSA L. BURROUGHS, Grantees, dated August 8, 2007, and recorded in the Clerk's Office of the Circuit Court of Norfolk, Virginia (the "Clerk's Office"), as Instrument Number 070030464, (the "Deed of Trust"), the undersigned, under that certain Appointment of Substitute Trustee dated March 15, 2012 and recorded in the Clerk’s Office as Instrument Number 120006401 will offer for sale at public auction on May 9, 2012 at 8:30 a.m., at the Norfolk Circuit Court, 100 St. Paul’s Blvd., Norfolk, Virginia, subject to the terms set forth below, the following described real property, together with all and singular the improvements, ways, easements, rights, privileges, and appurtenances to the same belonging, or in any way appertaining (collectively, the "Property"): That certain condominium unit known as “Unit No. 331,” in Archer’s Walk Condominium, located in the City of Norfolk, Virginia, and as further designated and described in that certain declaration entitled, “DECLARATION OF CONDOMINIUM OF ARCHER’S WALK CONDOMINIUM,” dated July 7, 1988, and recorded July 18, 1988, in the Clerk’s Office of the Circuit Court of the City of Norfolk, Virginia (the “Clerk’s Office”) in Deed Book 2115, at Page 406, (hereinafter referred to as the “Declaration”) together with its applicable undivided interest in certain common elements, all as more particularly described and allocated in the Declaration, as amended from time to time and together with the exclusive use of parking space numbers 56 & 66 as shown on that certain plat entitled, “Condominium Document Garage Plan,” dated July 8, 1988, and recorded August 18, 1998, in the Clerk’s Office in Map Book 44, at Page 153B, which parking space had been assigned as Limited Common Element appurtenant to the Unit pursuant to Exhibit F of that certain Amendment Number One to the Declaration recorded in the Clerk’s Office in Deed Book 2124, at Page 154. TERMS OF SALE: CASH. The Property is to be sold "AS IS" and "WITH ALL FAULTS", without any representations or warranties, SUBJECT TO the rights of any person(s) in possession, to the extent any such rights exist and have priority over the Deed of Trust, and to any covenants, conditions, restrictions, easements, defects, encumbrances, adverse claim, and liens, whether recorded

The below named is a debt collector within the meaning of the Fair Debt Collection Practices Act. This communication is an attempt to collect a debt, and any information obtained will be used for that purpose. For information contact: Richard E. Biemiller, Esquire (VSB #29017) Wolcott Rivers Gates Convergence Center IV 301 Bendix Road, Suite 500 Virginia Beach, Virginia 23452 Phone: (757) 497-6633 Substitute Trustee 23004503

TRUSTEE'S SALE OF 708 HOWARD PLACE, NORFOLK, VA 23504 In execution of a Deed of Trust in the original principal amount of $108,799.20, with an annual interest rate of 9.9500% from Sheila D. Bailey dated August 24, 2006, recorded among the land records of the Circuit Court for the City of Norfolk as Deed Book/Instrument Number 070001735, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Norfolk, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 16, 2012 at 9:30 AM, the property with improvements to wit: All that certain lot, piece or parcel of land, known as Site "5", as shown on a Plat entitled, "Subdivision of Parcel D, Subdivision of Barbersville, property of Norfolk Redevelopment & Housing Authority, Norfolk, Virginia" , dated December 10, 1984, prepared by Lee S. Rood, land surveyor, which plat is recorded in the Clerk's Office of the Circuit Court of the City of Norfolk, Virginia, in Map Book 41, at Page 49 reference being made to said plat for a more particular description of the property AND further described in the above Deed of Trust. (Tax Map No. 7167-9030) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $10,800.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-201889V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004349

TRUSTEE'S SALE OF 507 FAUQUIER STREET, NORFOLK, VA 23523 In execution of a Deed of Trust in the original principal amount of $169,200.00, with an annual interest rate of 6.0000% from ANTHONY K. GRIFFITH AND MARISHA A. GRIFFITH dated February 4, 2008, recorded among the land records of the Circuit Court for the CITY OF NORFOLK as Deed Book/Instrument Number 080004007, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF NORFOLK, at the front of the Circuit Court building for the City of Norfolk located at 100 St. Pauls Blvd, Norfolk, Virginia on May 23, 2012 at 9:30 AM, the property with improvements to wit: SITE 6, AS SHOWN ON A PLAT ENTITLED 'RESUBDIVISION OF PARTS OF LOTS 2, 4, 6, 8, 10, 11, 12 & 13, IN AN UN-NUMBERED BLOCK SITUATE AT THE NORTHEAST CORNER OF BERKLEY AVENUE AND FREDERICK STREET, PLAT OF THE NASH LAND AND ALL OF BLOCK 4, PLAT OF HARDY PROPERTY, NORFOLK, VIRGINIA', RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF NORFOLK, VIRGINIA IN MAP BOOK 51, AT PAGE 71. AND further described in the above Deed of Trust. (Tax Map No. 7948-7422) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: FHA. Trustee's File No. 10-198838V. PROFESSIONAL FORECLOSURE CORPORATION OF

Book 7286 Page 428, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court THIS COMMUNICATION IS FROM A DEBT COLLECTOR. building for the City of Chesapeake, 307 Albemarle Drive, TERMS OF SALE: ALL CASH. A bidder's deposit of Chesapeake, Virginia, on June 05, 2012, at 10:56 AM, the property described in said deed of $15,000.00 or 10% of the sale price, whichever is MAY » MONDAY, BUSINESS 7, 2012 64 » INSIDE lower, will be required in cash, certified or cashier's trust, located at the above address, and more particularly check. Settlement within fifteen (15) days of sale, described as follows: ALL THAT CERTAIN LOT, PIECE OR otherwise Trustees may forfeit deposit. Additional terms PARCEL OF LAND, WITH THE BUILDINGS AND to be announced at sale. Loan type: FHA. Trustee's File IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND KNOWN, No. 10-198838V. PROFESSIONAL FORECLOSURE CORPORATION OF NUMBERED AND DESIGNATED AS LOT 59, AS SHOWN ON VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia GEORGETOWN MANOR-SECTION ONE, WASHINGTON BOROUGH-CHESAPEAKE, VIRGINIA" DATED SEPTEMBER 7, Beach, Virginia 23462 (757) 687-8777. 1984, MADE BY ROUSE SIRINE ASSOCIATES, LTD. 22995906 SURVEYORS, VIRGINIA BEACH, VIRGINIA, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 78, AT PAGE 44..TERMS OF SALE: ALL CASH. A TRUSTEE'S SALE OF bidder's deposit of ten percent (10%) of the sale price or ten percent (10%) of the original principal balance of the 1477 LONGDALE DRIVE, subject deed of trust, whichever is lower, in the form of NORFOLK, VA 23513 cash or certified funds payable to the Substitute Trustee must be present at the time of the sale. The balance of In execution of a Deed of Trust in the original principal the purchase price will be due within fifteen (15) days of amount of $53,500.00, with an annual interest rate of sale, otherwise Purchaser's deposit may be forfeited to 8.5000% from Vance L. Moore and Brenda G. Moore dated Trustee. Time is of the essence. Sale is subject to post February 27, 1987, recorded among the land records of sale confirmation that the borrower did not file for the Circuit Court for the City of Norfolk as Deed protection under the U.S. Bankruptcy Code prior to the Book/Instrument Number 1992 PAGE 635, the sale, as well as to post-sale confirmation and audit of the undersigned appointed Substitute Trustee will offer for status of the loan with the loan servicer including, but not sale at public auction in the City of Norfolk, at the front of limited to, determination of whether the borrower entered the Circuit Court building for the City of Norfolk located at into any repayment agreement, reinstated or paid off the 100 St. Pauls Blvd, Norfolk, Virginia on May 30, loan prior to the sale. In any such event, the sale shall be 2012 at 9:30 AM, the property with null and void, and the Purchaser's sole remedy, in law or improvements to wit: equity, shall be the return of his deposit without interest . Additional terms to be announced at the sale. A form All that certain lot, piece or parcel of land, with the copy of the Trustee's memorandum of foreclosure sale buildings and improvements thereon and appurtenances and contract to purchase real property is available for thereunto belonging, situate in the city of Norfolk, Virginia, viewing at www.bwwsales.com. This is a communication and being known, numbered and designated as Site C-3, from a debt collector and any information obtained will be as shown on that certain plat entitled "Resubdivision of St. used for that purpose. The sale is subject to seller Andrews place phase one - townhouses - Norfolk, Virginia", confirmation. Substitute Trustee: Equity Trustees, LLC, Scale 1" = 50', dated August 21, 1973, and prepared by 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, John E. Sirine and Associates, Surveyors and Engineers, (703 )548-4600. For information contact: BWW Law Virginia Beach, Virginia, and which plat is duly of record in Group, LLC, attorneys for Equity Trustees, LLC, 4520 East the Clerk's office of the Circuit Court of the City of Norfolk, West Highway, Suite 200, Bethesda, MD 20814, (301) Virginia in Map Book 28, at page 14. 961-6555, website: www.bwwsales.com. 23023942 AND further described in the above Deed of Trust. (Tax Map No. 7948-7422)

AND further described in the above Deed of Trust. (Tax Map No. 44618500) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $5,300.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: VA. Trustee's File No. 12-225645. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 22995748

CHESAPEAKE TRUSTEE SALE 1216 Saint Brides Road W, Chesapeake, VA 23322-2370 In execution of a Deed of Trust in the original principal amount of $256,500.00, dated November 7, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 7278, at page 520, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 22, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 6, "Division of Brown Estate, Pleasant Grove Borough, Chesapeake, Virginia", with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-013975-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m.or visit our website at www.siwpc.net 23024246 BWW# 145519

TRUSTEE'S SALE OF 1829 Hearthside Court, Chesapeake, VA 23325. In execution of a certain deed of trust

dated November 15, 2007, in the original principal amount of $174,500.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 7286 Page 428, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 05, 2012, at 10:56 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 59, AS SHOWN ON

BWW# 68531

TRUSTEE'S SALE OF 3221 Old Mill Road, Chesapeake, VA 23323 . In execution of a certain deed of trust dated

September 29, 2006, in the original principal amount of $200,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6774 Page 468, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 10:59 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, SITUATE IN THE DEEP CREEK MAGISTERIAL DISTRICT OF THE CITY OF CHESAPEAKE, VIRGINIA, AND KNOWN, NUMBER AND DESIGNATED AS LOT NUMBER SEVEN(7) ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF PROPERTY OF W.D. JOYNER, DEEP CREEK MAGISTERIAL DISTRICT, NORFOLK, CO., VA", MADE BY T.R. PETIT, REG. ENGINEER, DATED MARCH 1940, AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 23, PAGE 50, TO WHICH PLAT REFERENCE IS HEREBY MADE. LESS AND EXCEPT THAT PORTION CONVEYED TO JOHN W. MIMS, SR. ET US RECORDED IN DEED BOOK 1058 AT PAGE 347 OF THE AFORESAID CLERK'S OFFICE. AND FURTHER LESS AND EXCEPT THAT PORTION OF SAID LOT 7 CONVEYED TO NORMAN TALMAGE WHITE, ET UX BY DEED OF ADA KATHRYN WEISS, WIDOW, DATED JUNE 22, 1976 AND RECORDED IN THE AFORESAID CLERK'S OFFICE IN DEED BOOK 1739 AT PAGE 465..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703) 548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23023936

BWW# 132484

TRUSTEE'S SALE OF 3804 Cannon Point Drive, Chesapeake, VA 23321. In execution

of a certain deed of trust dated July 28, 2006, in the original principal amount of $206,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6677 Page 488, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 11:00 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 189 ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF POINT ELIZABETH, SECTION 3", DATED APRIL 13, 1972, MADE BY HASSELL AND FOLKES, SURVEYORS AND ENGINEERS, DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 53 AT PAGE 81 AND 81A, EXPRESS REFERENCE TO WHICH IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY .TERMS OF SALE: ALL

particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 189 ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF POINT ELIZABETH, SECTION 3", DATED APRIL 13, 1972, MADE BY HASSELL AND FOLKES, SURVEYORS AND ENGINEERS, DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 53 AT PAGE 81 AND 81A, EXPRESS REFERENCE TO WHICH IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY .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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703 )548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23023933 BWW# 132616

TRUSTEE'S SALE OF 1431 Lilac Avenue, Chesapeake, VA 23325. In execution of a certain deed of trust dated

October 12, 2006, in the original principal amount of $197,200.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6799 Page 827, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 11:01 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THOSE CERTAIN LOTS, PIECES OR PARCELS OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, KNOWN BY THE PRESENT STREET NUMBERING SYSTEM AS 1431 LILAC AVENUE, LYING, SITUATE, AND BEING IN THE CITY OF CHESAPEAKE (FORMERLY NORFOLK COUNTY), VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOTS NUMBERED FIFTEEN (15) AND SIXTEEN (16), IN BLOCK NUMBER TWENTY (20), AS SHOWN ON THE PLAT OF NORFOLK HIGHLANDS, SUBDIVISION #1, WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE (FORMERLY NORFOLK COUNTY), VIRGINIA, IN MAP BOOK 6, AT PAGE 93; SAID LOTS BEING OF THE DIMENSIONS AS SHOWN ON SAID PLAT, TO WHICH REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION ON THE SAME..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23023930

TRUSTEE'S SALE OF 437 Dupont Street, Chesapeake, VA 23320. In execution of a certain deed of trust

dated March 25, 2009, in the original principal amount of $202,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 07754 Page 621, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 12, 2012, at 10:55 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT FIFTY-NINE (59), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "ADDITION OF OAK GROVE HOMES, INCORPORATED, SUBDIVISION OAK GROVE WASHINGTON DISTRICT, NORFOLK COUNTY, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 38, AT PAGE 84. LESS AND EXCEPT THAT PORTION OF PROPERTY CONVEYED TO THE COMMONWEALTH OF VIRGINIA TO IMPROVE ROUTE 168 RECORDED IN DEED BOOK 1751 AT PAGE 826..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

CONVEYED TO THE COMMONWEALTH OF VIRGINIA TO IMPROVE ROUTE 168 RECORDED IN DEED BOOK 1751 AT PAGE 826..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 117766 A-4240356 05/07/2012, 05/14/2012 23023908

TRUSTEE'S SALE OF 1514 Hambledon Loop, Chesapeake, VA 23320 . In execution of a certain deed of trust dated

November 24, 2009, in the original principal amount of $197,256.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 07992 Page 877, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 12, 2012, at 10:56 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT LOCATED IN THE CITY IF CHEASAPEAKE, VIRGINIA, DESIGNAMED AS UNIT 199, BRIGHTON PARK AT GREENBRIER, A CONDOMINIUM TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT DERTAIN DECLERATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOW AS "BRIGHTON PARK AT GREENBRIER, A COMDOMINIUM", DATED AUGUST 5, 2005, AND DULY RECORDED IN THE OFFICE OF THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN DEED BOOK 7571, PAGE 24. A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATION AND TO PLATS AND PLANS RECODED IN SAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136141 A-4240358 05/07/2012, 05/14/2012 23023902

TRUSTEE'S SALE OF 1820 Reef Knot Court, Chesapeake, VA 23321. In execution of a certain deed of trust

dated April 13, 2007, in the original principal amount of $400,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 7042 Page 0429, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 12, 2012, at 10:57 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 57, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF DOCK HARBOUR, WESTERN BRANCH BOROUGH, CHESAPEAKE, VIRGINIA", DATE: JUNE 30,2003, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 145, PAGES 75, 75A-G..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

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 138112 A-4240349 05/07/2012, 05/14/2012 23023899

TRUSTEE'S SALE OF 1216 Fordyce Drive, Chesapeake, VA 23322. In execution of a certain deed of trust

dated December 26, 2007, in the original principal amount of $297,395.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 07332 Page 236, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 12, 2012, at 10:58 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREUNTO BELONGING, LYING SITUATE AND BEING IN THE PLEASANT GROVE BOROUGH OF THE CITY OF CHESAPEAKE, VIRGINIA BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 29, AS SET FORTH ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF BATTLEFIELD MEADOWS, SECTION 2, PLAESANT GROVE BOROUGH, CHESAPEAKE, VIRGINIA", DATED AUGUST, 1995, REVISED APRIL 19, 1976, MADE BY HASSELL AND FOLKES SURVEYORS AND ENGINEERS, AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 60, AT PAGE 7, REFERENCE IS HEREBY MADE TO SAID PLAT FOR A MORE PARTICULAR DESCRIPTION OF SAID LOT..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 139919 A-4240350 05/07/2012, 05/14/2012 23023892

TRUSTEE'S SALE OF 628 Black Thorne Drive, Chesapeake, VA 23322. In execution of a certain deed of trust dated

August 10, 2007, in the original principal amount of $351,350.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 7220 Page 860, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 12, 2012, at 10:59 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE APPURTENANCES THEREUNTO BELONGING, LYING, SITUATE AND BEING IN THE PLEASANT GROVE BOROUGH, CITY OF CHESAPEAKE, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 8, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "PLAT OF ETHERIDGE MANOR, SECTION 5, PHASE ONE, BY ETHERIDGE MANOR CORP., PLEASANT GROVE BOROUGH, CHESAPEAKE, VIRGINIA," DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 85 AT PAGE 57, 57A AND 57B..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143232 A-4240351

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143232 A-4240351 05/07/2012, 05/14/2012 23023881

TRUSTEE'S SALE OF 2481 Old Greenbrier Road, Chesapeake, VA 23325. In execution of a certain deed of

trust dated December 08, 2004, in the original principal amount of $179,450.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 5802 Page 846, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 10:55 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT IN THE CITY OF CHESAPEAKE, VIRGINIA DESIGNATED AS UNIT ER, A/K/A UNIT 15 A/K/A UNIT 2481, BUILDING 2, 2481 PROVIDENCE POINTE CONDOMINIUM, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN DECLARATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOWN AS "PROVIDENCE POINT CONDOMINIUM", DATE MAY 17, 2004 AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHEASPEAKE, VIRGINIA, IN DEED BOOK 5469, AT PAGE 324 AND SUBSEQUENT AMENDMENTS THERETO, A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATION AND TO THE PLATS AND PLANS RECORDED IN SAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136219 A-4240346 05/07/2012, 05/14/2012 23023877

TRUSTEE'S SALE OF 515 Pine View Court, Chesapeake, VA 23320. In execution of a certain deed of trust dated

April 24, 2006, in the original principal amount of $150,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6502 Page 0321, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 10:56 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, AND THE APPURTENANCES THEREUNTO BELONGING, LYING, SITUATE AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT FIFTY-SEVEN (57), IN PART "B-2", AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION PLAT OF DOMINION PINES, SECTION 1, PARTS 'B-1 & B-2'", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 66, AT PAGES 20 & 20A..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136352 A-4240347 05/07/2012, 05/14/2012 23023870

at www.bwwsales.com. This is a communication from a amount of $180,465.00, dated December 8, 2010 debt collector and any information obtained will be used recorded in the Clerk's Office of the Circuit Court of the for that purpose. The sale is subject to seller confirmation. City Of Chesapeake, Virginia, in Deed Book 8385, at Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt page 299, default having occurred in the payment of the Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For Note thereby secured and at the request of the holder of information contact: BWW Law Group, LLC, attorneys for said Note, the under-signed Substitute Trustee will offer for at public»auction at theBUSINESS Circuit Court of the» City of Equity Trustees, LLC, 4520 East West MONDAY, Highway, Suite 200, INSIDE 65 MAYsale 7, 2012 Bethesda, MD 20814, (301) 961-6555, website: Chesapeake (main entrance), 307 Albemarle Drive, www.bwwsales.com. BWW# 134797 A-4240300 Chesapeake, Virginia, on May 17, 2012 at 05/07/2012, 05/14/2012 23023799 10:30 o'clock am the property described in said deed, located at the above address and briefly described as:

TRUSTEE'S SALE OF 1311 TRUSTEE'S SALE OF 1321 TRUSTEE'S SALE OF 2004 Willow Avenue, Chesapeake, Eaglestone Arch, Chesapeake, Willow Point Arch, Unit # 5, VA 23325. In execution of a certain deed of trust VA 23322. In execution of a certain deed of trust Chesapeake, VA 23320. In execution dated October 31, 2007, in the original principal amount dated May 05, 2006, in the original principal amount of

$375,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6522 Page 0309, and modified on December 11, 2009, to increase the principal balance to $390,515.02. This modification agreement was recorded in Deed Book 8083, Page 191, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 10:57 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA AND BEING KNOWN,NUMBERED AND DESIGNATED AS LOT 167, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF ETHERIDGE LAKES, SECTION THREE-B, PLEASANT GROVE BOROUGH, CHESAPEAKE, VIRGINIA", DATED JULY 21, 1998, MADE BY HASSELL & FOLKES, P.C., ENGINEERS-SURVEYORS-PLANNERS, AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 131, AT PAGES 29, 29A, 29B, 29C, 29D, 28E, 29F AND 29G..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136890 A-4240345 05/07/2012, 05/14/2012 23023862

TRUSTEE'S SALE OF 1024 Fallcreek Run, Unit # 58, Chesapeake, VA 23322. In execution

of a certain deed of trust dated July 11, 2008, in the original principal amount of $248,833.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 7555 Page 0074, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 10:58 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT IN THE CITY OF CHESAPEAKE, VIRGINIA, DESIGNATED AS UNIT 58, IN THE CEDARWOOD CONDOMINIUM, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN CERTAIN DECLARATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOWN AS "CEDARWOOD CONDOMINIUM, PHASE 8", RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN DEED BOOK 2955, PAGE 506, AND SUBSEQUENT AMENDMENTS THERETO OF RECORD. A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATION AND TO PLATS AND PLANS RECORDED IN SAID CLERK'S OFFICE IN MAP BOOK 108, AT PAGE 115, AND PLATS AND PLANS RECORDED SUBSEQUENT THERETO..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143954 A-4240344 05/07/2012, 05/14/2012 23023857

of a certain deed of trust dated October 20, 2005, in the original principal amount of $183,850.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6247 Page 741, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 22, 2012, at 10:56 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT IN THE CITY OF CHESAPEAKE, VIRGINIA, DESIGNATES AS UNITC-2004, WILLOW POINT II AT RIVERWALK, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN DECLARATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOWN AS "WILLOW POINT II AT RIVERWALK, A CONDOMINIUM", DATED FEBRUARY 17, 1999, AND RECORDED IN THE OFFICE OF THE CLERK OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN DEED BOOK 3839 AT PAGE 220, AMENDED IN DEED BOOK 3917, AT PAGE 326, AND DEED BOOK 3986 AT PAGE 595 AND AMENDED IN DEED BOOK 4016 AT PAGE 421. A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED TO SAID DECLARATION AND TO PLATS AND PLANS RECORDED IN SAID CLERK'S OFFICE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 120918 A-4240316 05/07/2012, 05/14/2012 23023849

of $208,801.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 7279 Page 674, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 22, 2012, at 10:58 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE ORPARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 23, BLOCK 56, AS SHOWN ON THAT CERTAIN AMENDED PLAT ENTITLED NORFOLK HIGHLANDS SUBDIVISION NO.1, CHESAPEAKE, VIRGINIA, WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 6, AT PAGE 93..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143221 A-4240299 05/07/2012, 05/14/2012 23023771

TRUSTEE SALE 3211 Holly Ridge Drive, Chesapeake, VA 23323-1032 In execution of a Deed of Trust in the original principal amount of $204,800.00, dated January 27, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 6364, at page 316, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on

TRUSTEE'S SALE OF 755 Sand Willow Drive, Chesapeake, VA May 17, 2012 at 10:30 o'clock am 23320. In execution of a certain deed of trust dated the property described in said deed, located at the above

May 22, 2006, in the original principal amount of $331,500.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6575 Page 0281, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 22, 2012, at 10:57 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OF LAND, WITH THE BUILDING AND IMPROVEMENTS THEREON AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE IN THE CITY OF CHESAPEAKE, VIRGINIA, AND KNOWN NUMBERED AND DESIGNATED AS LOT 114, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF OAKBROOKE, SECTION THREE, WASHINGTON BOROUGH, CHESAPEAKE, VIRGINIA", MADE BY HASSELL & FOLKES, P.C., ENGINEERS, SURVEYORS, PLANNERS, DATED OCTOBER 20, 1995, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE FO THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 116, AT PAGES 55 AND 55A. REFERENCE TO WHICH IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID PROPERTY..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 134797 A-4240300 05/07/2012, 05/14/2012 23023799

address and briefly described as:

Lot 259, “RESUBDIVISION PLAT OF LOTS 258 AND 259, MILL CREEK, SECTION 4, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-025637-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022795

Lot 135, Section 8, Cedar Mill Townhouses, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-008334-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23022297

Trustee's Sale 1305 Danielle Court, Chesapeake, Virginia 23320 (Tax ID No. 0387001000690) Default having been made in the terms of a certain Deed of Trust dated May 13, 2009, in the modified principal amount of $413,963.52 and recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Deed Book 07826, Page 277 and as amended by a Loan Modification Agreement, recorded in Deed Book 08414, Page 757, the undersigned Substitute Trustees, will sell at public auction on June 6, 2012, at 8:30 a.m., in front of the building housing the Chesapeake Circuit Court, 307 Albemarle Drive, Chesapeake, VA, the property designated as Lot 69, as shown on that certain plat entitled “Subdivision Plat of Hunningdon Woods, Section 2, Washington Borough, Chesapeake, Virginia”, which said plat is duly recorded in the aforesaid Clerk’s Office in Map Book 93 at Pages 55, 55A – 55E. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $41,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 96156, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23021739

TRUSTEE'S SALE OF 1916 ROKEBY AVENUE, CHESAPEAKE, VA 23320 In execution of a Deed of Trust in the original principal amount of $116,000.00, with an annual interest rate of 6.3750% from LINWOOD K. RIGGS AND SUSAN E. RIGGS dated May 10, 2005, recorded among the land records of the Circuit Court for the CITY OF CHESAPEAKE as Deed Book/Instrument Number 6004 PAGE 462, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF CHESAPEAKE, at the front of the Circuit Court building for the City of Chesapeake located at 307 Albemarle Drive, Civic Center, Chesapeake, Virginia on May 30, 2012 at 1:30 PM, the property with improvements to wit: LOTS THIRTY -SEVEN (37) & THIRTY-NINE (39), IN BLOCK 55, LOCATED IN INDIAN RIVER PARKS AS SHOWN ON THAT CERTAIN PLAT ENTITLED "PLAT OF NORFOLK HIGHLANDS-PROPERTY OF INDIAN RIVER PARK & IMPROVEMENT CO." WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 17, AT PAGE 79.

TRUSTEE SALE 628 Sedgefield Court, Chesapeake, VA 23322-8340

AND further described in the above Deed of Trust. (Tax Map No. 0206001001750)

In execution of a Deed of Trust in the original principal amount of $180,465.00, dated December 8, 2010 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 8385, at page 299, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 17, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as:

TERMS OF SALE: ALL CASH. A bidder's deposit of $11,600.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-191578D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23020390

THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

$11,600.00 or 10% of the sale price, whichever is Court of the City of Chesapeake (main entrance), lower, will be required in cash, certified or cashier's 307 Albemarle Drive, Chesapeake, Virginia, on check. Settlement within fifteen (15) days of sale, May 15, 2012 at 9:30 o'clock am otherwise Trustees may forfeit deposit. Additional terms the property described in said deed, located at the above address and briefly described as: to be announced at sale. Loan type: Conventional. Trustee's File No. 10-191578D. Lot 5,7,Section PROFESSIONAL FORECLOSURE CORPORATION OF MAY » MONDAY, BUSINESS 2012 4, Subdivision Sunrise Hills, with 66 » INSIDE VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & improvements thereon. ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23020390 TERMS OF SALE: CASH: A deposit of $5,000.00 , or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. Sale is subject to post sale confirmation that the borrower Trustee's Sale not file for protection under the U.S. Bankruptcy Code 2904 Big Bend Drive Unit 147, did prior to the sale, as well as to post-sale confirmation and Chesapeake, Virginia 23321 audit of the status of the loan with the loan servicer (Tax ID No. 0094003001470) including, but not limited to, determination of whether the borrower entered into any repayment agreement, Default having been made in the terms of a certain Deed reinstated or paid off the loan prior to the sale. In any of Trust dated August 28, 2008, in the original principal such event, the sale shall be null and void, and the amount of $209,407.00 and recorded in the Clerk's Office Purchaser’s sole remedy, in law or equity, shall be the of the Circuit Court of the City of Chesapeake, Virginia in return of his deposit without interest. Additional terms Deed Book 07592, at page 390, the undersigned may be announced at the time of sale. Pursuant to the Substitute Trustees will sell at public auction on June Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the 6, 2012, at 8:30 a.m., in front of the indebtedness referred to herein and any information we building housing the Chesapeake Circuit Court, 307 obtain will be used for that purpose. Albemarle Drive, Chesapeake, VA, the property designated as Unit 147, Phase 65, situate, lying and being in the SAMUEL I. WHITE, P.C., Substitute Trustee condominium project known as Western Branch Commons, A Condominium, located in the Western Branch This is a communication from a debt collector. Borough of the City of Chesapeake, Virginia, together with FOR INFORMATION CONTACT: an undivided percentage interest in certain common SAMUEL I. WHITE, P.C. (01-008489-12/CONV) elements appurtenant to said unit, all as more particularly 5040 Corporate Woods Drive, Suite 120 described, designated and shown in that certain Virginia Beach, Virginia 23462 declaration establishing condominium known as Western Branch Commons, A Condominium, recorded in the 757-457-1460 - Call Between 9:00 a.m. and 11:30 aforesaid Clerk’s Office in Deed Book 3683, Page 581 and a.m. or visit our website at www.siwpc.net Amendments duly recorded in the aforesaid Clerk’s Office 23109647 pertaining to said unit. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: Trustee's Sale CASH. A deposit of $20,500.00 or 10% of the sale price, whichever is lower, will be required of the successful 405 Bluewater Court, bidder at time of sale. Prior to the sale, interested bidders Chesapeake, Virginia 23320 will be required to register with and must present a bid (Tax ID No. 0378001000890) deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but Default having been made in the terms of a certain Deed no more than $10,000.00 of cash will be accepted. The of Trust dated December 13, 2004, in the original successful bidder’s deposit will be retained at the sale and principal amount of $360,000.00 and recorded in the applied to the sale price. If held by the trustee, all other Clerk's Office of the Circuit Court of the City of bid deposits will be returned to the unsuccessful bidders. Chesapeake, Virginia in Deed Book 5810, at Page 733, Settlement is to be made within 15 days. The successful the undersigned Substitute Trustees will sell at public bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure auction on May 16, 2012, at 8:30 a.m., Sales page of www.glasserlaw.com , outlining additional in front of the building housing the Chesapeake Circuit terms of sale and settlement. A Trustee’s Deed will be Court, 307 Albemarle Drive, Chesapeake, VA, the property prepared by Trustee’s attorney at high bidder’s expense. designated as Lot 89, as shown on that certain plat Atlantic Trustee Services, L.L.C., Substitute Trustees, entitled, "Subdivision of Oak Brooke, Section Three, Crown Center Building, Suite 600, 580 East Main Street, Washington Borough, Chesapeake, Virginia", dated Norfolk, VA 23510, File No. 95678, Tel: (757) 321-6465, October 20, 1995, which said plat is duly recorded in the aforesaid Clerk's Office in Map Book 116, at pages 55, Between 10:00 a.m. & 12:00 noon only. and 55A. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or TRUSTEE SALE inspection of the premises. TERMS: CASH. A deposit of 2015 Liberty Street, $36,000.00 or 10% of the sale price, whichever is lower, Chesapeake, VA 23324-3563 will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to In execution of a Deed of Trust in the original principal register with and must present a bid deposit which may be amount of $107,500.00, dated June 27, 2006 recorded held during the sale by the trustee. The bid deposit must in the Clerk's Office of the Circuit Court of the City Of be certified funds and/or cash, but no more than Chesapeake, Virginia, in Deed Book 6632, at page $10,000.00 of cash will be accepted. The successful 101, default having occurred in the payment of the Note bidder’s deposit will be retained at the sale and applied to thereby secured and at the request of the holder of said the sale price. If held by the trustee, all other bid deposits Note, the under-signed Substitute Trustee will offer for sale will be returned to the unsuccessful bidders. Settlement is at public auction at the entrance to the Circuit Court of to be made within 15 days. The successful bidder will be the City of Chesapeake (main entrance), 307 required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of Albemarle Drive, Chesapeake, Virginia, on May www.glasserlaw.com , outlining additional terms of sale 15, 2012 at 9:30 o'clock am the and settlement. A Trustee’s Deed will be prepared by property described in said deed, located at the above Trustee’s attorney at high bidder’s expense. This is a address and briefly described as: Lots 65, 66 and 67 communication from a debt collector. Glasser and Waterford, with improvements thereon. Less that Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., portion conveyed to the Commonwealth of Virginia Substitute Trustees, Crown Center Building, Suite 600, in Deed Book 3213 at page 400. 580 East Main Street, Norfolk, VA 23510, File No. 69546, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 TERMS OF SALE: CASH: A deposit of $10,000.00, or noon only. 23018856 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. Sale is subject to post sale confirmation that the borrower did not file for protection under the U.S. Bankruptcy Code TRUSTEE SALE prior to the sale, as well as to post-sale confirmation and 705 Rue Marseille, audit of the status of the loan with the loan servicer Chesapeake, VA 23320-6673 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 In execution of a Deed of Trust in the original such event, the sale shall be null and void, and the principal amount of $131,200.00, dated Purchaser’s sole remedy, in law or equity, shall be the March 17, 2009 recorded in the Clerk's return of his deposit without interest. Additional terms Office of the Circuit Court of the City Of may be announced at the time of sale. Pursuant to the Chesapeake, Virginia, in Deed Book 7755, Federal Fair Debt Collection Practices Act, we advise you at page 36, default having occurred in the that this firm is a debt collector attempting to collect the payment of the Note thereby secured and at indebtedness referred to herein and any information we the request of the holder of said Note, the under-signed Substitute Trustee will offer for obtain will be used for that purpose. sale at public auction at the entrance to the SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-008563-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23019730

TRUSTEE SALE 2644 King Court, Chesapeake, VA 23324 In execution of a Deed of Trust in the original principal amount of $56,700.00, dated September 24, 2004 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 5713, at page 381, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on

May 15, 2012 at 9:30 o'clock am

the property described in said deed, located at the above address and briefly described as: Lot 5, Section 4, Subdivision Sunrise Hills, with improvements thereon. TERMS OF SALE: CASH: A deposit of $5,000.00 , or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale.

Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 15, 2012 at 9:30 o'clock am the property described in said

deed, located at the above address and briefly described as: Unit 3-705 Les Chateaux Condominiums, together with an undivided interest in the common elements.

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-014308-11/CONV) 5040 Corporate Woods Drive, Suite 120

time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-014308-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012425

TRUSTEE SALE 1404 Buxton Drive, Chesapeake, VA 23322-3906 In execution of a Deed of Trust in the original principal amount of $272,000.00, dated September 25, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 7254, at page 373, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 10, 2012 at 10:30 o'clock am the property described in said

deed, located at the above address and briefly described as: Lot 142, Albemarle Acres, Section IV, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006063-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012363

TRUSTEE SALE 561 Whitehaven Cres, Chesapeake, VA 23325-4424 In execution of a Deed of Trust in the original principal amount of $221,500.00, dated December 5, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 6868, at page 867, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the Circuit Court

of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 15, 2012 at 9:30 o'clock am the property

described in said deed, located at the above address and briefly described as: Lot 57, Georgetown East, Section 1, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-023081-09/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012222

TRUSTEE'S SALE OF 3300 Eight Star Way, Chesapeake, VA 23323. In execution of a certain deed

of trust dated August 28, 2009, in the original principal amount of $337,171.00 recorded in the Clerk's Office, Circuit Court for City of

TRUSTEE'S SALE OF 3300 Eight Star Way, Chesapeake, VA 23323. In execution of a certain deed

of trust dated August 28, 2009, in the original principal amount of $337,171.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 07931 Page 623, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 22, 2012, at 10:55 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 20, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF OLDE MILL RUN PHASE ONE, SECTION 2 REF: M.B. 143-PG 24, 24A DEEP CREEK BOROUGH CHESAPEAKE, VIRGINIA", DATED JANUARY 30, 2004, MADE BY HASSELL & FOLKES, P.C., ENGINEERS-SURVEYORS-PLANNERS, AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 147, AT PAGES 6,6A - 6G..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145355 A-4237263 04/30/2012, 05/07/2012 23011927

TRUSTEE'S SALE OF 905 Meadowhill Court, Chesapeake, VA 23320-3587.

In execution of a certain deed of trust dated December 04, 2006, in the original principal amount of $303,200.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6869 Page 060, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 15, 2012, at 10:56 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, SITUATE IN THE CITY OF CHESAPEAKE, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 135, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF OAKBROOKE MEADOWS, SECTION SEVEN AND THE REMAINING OF WICKWOOD ARCH TO WHEATFIELD WAY, WASHINGTON BOROUGH, CHESAPEAKE, VIRGINIA", MADE BY HASSELL & FOLKES, P.C., ENGINEERS-SURVEYORSPLANNERS, DATED SEPTEMBER 29, 1997, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 128, AT PAGES 47, 47A THROUGH 47D, INCLUSIVE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 142491 A-4237261 04/30/2012, 05/07/2012 23011761

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 142491 A-4237261 04/30/2012, 05/07/2012 23011761

TRUSTEE'S SALE OF 2052 Spadina Avenue, Chesapeake, VA 23324. In execution of a certain deed

of trust dated June 10, 2010, in the original principal amount of $156,887.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 08149 Page 544, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on June 05, 2012, at 10:55 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OF LAND, SITUATED IN THE CITY OF CHESAPEAKE (FORMERLY CITY OF SOUTH NORFOLK) IN THE CITY OF NORFOLK (FORMERLY COUNTY OF NORFOLK), IN THE STATE OF VIRGINIA, KNOWN, NUMBERED AND DESIGNATED AS LOT NUMBER 177, ON THE PLAT OF THE PROPERTY OF THE CAMPOSTELLA DEVELOPMENT COMPANY, INCORPORATED, RECORDED IN MAP BOOK 6, AT PAGE 11, IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 141891 A-4237259 04/30/2012, 05/07/2012 23011664

TRUSTEE'S SALE OF 3329 Country Circle, Chesapeake, VA 23324. In execution of a certain deed

of trust dated September 29, 2005, in the original principal amount of $256,919.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6297 Page 0047, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 15, 2012, at 10:59 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 17, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF COUNTRY WOODS, SOUTH NORFOLK BOROUGH, CHESAPEAKE, VIRGINIA", SCALE 1" = 4O' DATED FEBRUARY 20, 2004, MADE BY JOHNS E. SIRINE AND ASSOCIATES, LTD., SURVEYORS-ENGINEERS-PLANNERS, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA IN MAP BOOK 145, AT PAGES 194 & 194A..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway,

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144485 A-4237258 04/30/2012, 05/07/2012 23011646

TRUSTEE'S SALE OF 410 Lodge Cove, Chesapeake, VA 23323. In execution of a certain deed of

trust dated December 24, 2008, in the original principal amount of $296,530.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 07674 Page 347, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 15, 2012, at 10:55 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SIUTATE, AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 17, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "AMENDED PLAT OF SAWYER'S MEADOW-PHASE ONE, AS SHOWN IN M.B. 116, PAGE 44, A-1, SUBDIVISION OF SAWYER'S MILL, PHASE ONE, DEEP CREEK BOROUGH, CHESAPEAKE, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 117, AT PAGE 8, 8A-8I.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 134456 A-4237260 04/30/2012, 05/07/2012 23011593

TRUSTEE'S SALE OF 653 Oak Grove Road, Chesapeake, VA 23320. In execution of a certain deed of

trust dated May 26, 2006, in the original principal amount of $315,000.00 recorded in the Clerk's Office, Circuit Court for City of Chesapeake, Virginia, in Deed Book 6564 Page 0355, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Chesapeake, 307 Albemarle Drive, Chesapeake, Virginia, on May 31, 2012, at 10:55 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE , LYING, AND BEING IN THE CITY OF CHESAPEAKE, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 118, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "OAK GROVE MEADOWS, PHASE TWO, BEING A SUBDIVISION OF THE REMAINING PROTION OF PARCEL A-1 MB 114 PG 73-73D MB 114 PG 4 AND OF PARCEL B-1 MB 114 PG 4, WASHINGTON BOROUGH, CHESAPEAKE, VIRGINIA" WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE , VIRGINIA, IN MAP BOOK 119, AT PAGE 64, 64A, 64B AND 64C..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

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 142138 A-4237257 04/30/2012, 05/07/2012 23011587

TRUSTEE SALE 1305 Fairways Lookout Unit B, Chesapeake, VA 23320-1107 In execution of a Deed of Trust in the original principal amount of $142,500.00, dated May 25, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 6024, at page 167, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 10, 2012 at 10:30 o'clock am the property described in said

deed, located at the above address and briefly described as: Unit 17-1305B, The Club Villas Condominium at Greenbrier Fairways, together with an undivided interest in the common elements.

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-004968-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011178

TRUSTEE SALE 455 N George Washington Highway, Chesapeake, VA 23323-2007 In execution of a Deed of Trust in the original principal amount of $209,250.00, dated July 27, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 7177, at page 554, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 10, 2012 at 10:30 o'clock am the property described in said

deed, located at the above address and briefly described as: Lot 1, Deal Subdivision, Map Book 64, at page 50, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006181-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011145

purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006181-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23011145

TRUSTEE'S SALE OF 2117 BATTERY PARK ROAD, CHESAPEAKE, VA 23323 In execution of a Deed of Trust in the original principal amount of $132,000.00, with an annual interest rate of 1.7200% from Letty J. Wescott dated November 13, 1995, recorded among the land records of the Circuit Court for the City of Chesapeake as Deed Book/Instrument Number 3287 at page 523, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Chesapeake, at the front of the Circuit Court building for the City of Chesapeake located at 307 Albemarle Drive, Civic Center, Chesapeake, Virginia on May 23, 2012 at 1:30 PM, the property with improvements to wit: All that certain lot, piece or parcel of land, with the buildings and improvements thereon, situate in the City of Chesapeake, Virginia and known, numbered and designated as Lot Thirty-Seven (37), as shown on the plat of Brentwood, Section Three (3), which said plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Map Book 32, at page 66. AND further described in the above Deed of Trust. (Tax Map No. 0253005000370) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $13,200.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: 12-226558.

FHA.

Trustee's File No.

PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23010350

The sale will take place on May 22, 2012 at 11:00 a.m. at the main entrance of the building housing the Circuit Court for the City of Chesapeake, Virginia.

Terms: A deposit in the form of certified funds in the Lot 1004, Camelot, Sec. 4-D, as shown on a plat recorded amount of $15,000.00 or 10% of the successful bid, the2012 aforesaid Clerk's OfficeBUSINESS in Map Book 58,»Page 11, » INSIDE 67 MONDAY, MAYin7, whichever is lower, is required of any bidder at the time and as more particularly described in the referenced deed of sale. Closing within fifteen (15) days of sale. Time is of of trust. the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller The sale will take place on MAY 17, 2012 AT confirmation. Pursuant to the Federal Fair Debt Collection 11:45 A.M., at the front entrance to the building Practices Act, we advise you that this firm is a debt housing the Circuit Court of the City of Chesapeake, collector attempting to collect the indebtedness referred located at 307 Albemarle Drive, Chesapeake, VA. to herein and any information we obtain will be used for that purpose. The property and the improvements thereon will be sold "AS IS" and without representation or warranties of any F & M Services, L.C., Substitute Trustees kind. The sale is subject to all liens, encumbrances, conditions, easements and restrictions, if any, superior to FOR INFORMATION CONTACT: the mentioned deed of trust and lawfully affecting the Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, property. Ste. 125, Richmond, Virginia 23229, Telephone: (804) 288-0088 Terms: A deposit in the form of CERTIFIED FUNDS in Ref#232081 the amount of $19,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of Ad dates: April 30, 2012 May 7, 2012 sale. Closing within fifteen (15) days of sale. Time is of 23009393 the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred TRUSTEE'S SALE OF to herein, and any information we obtain will be used for 1108 CUMBERLAND COURT that purpose.

Chesapeake Virginia

Pursuant to the terms of a deed of trust dated November 5, 2004, in the original principal amount of $332,600.00, recorded in the Clerk's Office, Circuit Court for the City of Chesapeake, Virginia, in Deed Book 5840 at page 335, the property briefly described below will be offered for sale at public auction. Lot 262, Plat of Kemp Woods Subdivision, Section 4, as the same is duly dedicated platted, and recorded, in Map Book 91 at page 74, among the land records for the City of Chesapeake, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 15, 2012, at 2:00 p.m. at the main entrance, to the building housing the Circuit Court for the City of Chesapeake, Virginia. Terms: A deposit in the form of certified funds in the amount of $30,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees

TRUSTEE'S SALE OF 3817 STONEBRIDGE LANDING Chesapeake Virginia Pursuant to the terms of a deed of trust dated February 27, 2008, in the original principal amount of $385,000.00, recorded in the Clerk's Office, Circuit Court for the City of Chesapeake, Virginia, in Deed Book 7402 at page 205, the property briefly described below will be offered for sale at public auction. Lot 4, Section B, Zone 1, Stonebridge Landing, as the same is duly dedicated platted, and recorded, in Map Book 59 at page 46, among the land records for the City of Chesapeake, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 22, 2012, at 2:00 p.m. at the main entrance, to the building

housing the Circuit Court for the City of Chesapeake, Virginia. Terms: A deposit in the form of certified funds in the amount of $35,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804)288-0088 Ref#232059 Ad dates: April 30, 2012 May 7, 2012 23009478

TRUSTEE'S SALE OF 2369 BUGLE DRIVE EAST Chesapeake Virginia Pursuant to the terms of a deed of trust dated November 14, 2007, in the original principal amount of $198,050.00, recorded in the Clerk's Office, Circuit Court for the City of Chesapeake, Virginia, in Deed Book 7291 at page 99, the property briefly described below will be offered for sale at public auction. Lot 31, Plat of Drum Creek Farms, Section 1, as the same is duly dedicated, platted and recorded in Map Book 35 at page 64, among the land records for the City of Chesapeake, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 22, 2012 at 11:00 a.m. at the main entrance of the building housing the Circuit Court for the City of Chesapeake, Virginia. Terms: A deposit in the form of certified funds in the amount of $15,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt

recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Deed Book 6719, Page 30, the property briefly described below will be offered for sale at public auction:

FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804)288-0088 Ref#232305 Ad dates: April 30, 2012 May 7, 2012 23009346

TRUSTEE'S SALE OF 2004 ANGLER COURT, CHESAPEAKE, VA 23323 In execution of a Deed of Trust in the original principal amount of $312,000.00, with an annual interest rate of 7.9875% from MELVIN V. CHAPMAN AND RITA CHAPMAN dated March 24, 2006, recorded among the land records of the Circuit Court for the CITY OF CHESAPEAKE as Deed Book/Instrument Number 6449 AT PAGE 124, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF CHESAPEAKE, at the front of the Circuit Court building for the City of Chesapeake located at 307 Albemarle Drive, Civic Center, Chesapeake, Virginia on May 23, 2012 at 1:30 PM, the property with improvements to wit: LOT 93, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF MILL CREEK HARBOR, PHASE TWO, DEEP CREEK BOROUGH, CHESAPEAKE, VIRGINIA", DATED AUGUST 30, 2002, PREPARED BY HASSELL & FOLKES, P.C., ENGINEERS, SURVEYORS, PLANNERS, WHICH SAID PLAT IS DULY RECORED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 144, AT PAGES 129, 129A. AND further described in the above Deed of Trust. (Tax Map No. 0462004000930) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TRUSTEE SALE 617 Shadow Brooke Drive Chesapeake, VA. 23320 In execution of a Deed of Trust from Ashley D. Avery, Sr. and Carolyn C. Avery dated March 2, 2006 and recorded in the Clerk's Office, Circuit Court, City of Chesapeake, Virginia, in Deed Book 6417, at page 0015, securing a loan which was originally $384,000.00. Default having occurred in the payment of the Note thereby secured, and at the request of the holder of said Note, the undersigned Substitute Trustees will offer for sale at public auction at the City of Chesapeake Circuit Courthouse, 307 Albemarle Drive, the main entrance, Chesapeake Virginia on May 18, 2012 at 10:00 AM, the property described in said Deed of Trust, located at the above address and briefly described as: Lot 81, Subdivision of Oak Brooke, Section Two, Washington Borough. Tax ID/PIN: 0378001000810 The property will be conveyed by Special Warranty Deed, subject to all existing easements, restrictions and any other conditions that may affect title to the property. The Noteholder reserves the right to bid at the said sale. TERMS: CASH: A bidder's deposit of $20,000.00, cash or certified check, will be required at the time of sale with the settlement and full payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: CONV VT0921112 FOR INFORMATION CONTACT: Between 8 - 11 AM Nectar Projects, Inc. - Substitute Trustees P.O. Box 2848 Purcellville VA 20134 (540) 751-1260 23009036

TRUSTEE'S SALE 3010 Roundtable Drive, Chesapeake, VA 23323 Tax ID 0241008010040 Pursuant to the terms of a deed of trust dated August 16, 2006, in the original principal amount of $204,776.00, recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Deed Book 6719, Page 30, the property briefly described below will be offered for sale at public auction: Lot 1004, Camelot, Sec. 4-D, as shown on a plat recorded in the aforesaid Clerk's Office in Map Book 58, Page 11, and as more particularly described in the referenced deed of trust. The sale will take place on MAY 17, 2012 AT 11:45 A.M., at the front entrance to the building

TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-220042V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-877 23007833

TRUSTEE SALE 1027 Harwich Drive, Chesapeake, VA 23322-9529 In execution of a Deed of Trust in the original principal amount of $275,000.00, dated March 16, 2001 recorded in the Clerk's Office of the Circuit Court of the City Of Chesapeake, Virginia, in Deed Book 4233, at page 356, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court of the City of Chesapeake (main entrance), 307 Albemarle Drive, Chesapeake, Virginia, on May 8, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 62, Subdivision of Emerald Lakes Estates, Section One, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-015770-10/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23006763

the City of Chesapeake as Deed Book/Instrument Number 6356 AT PAGE 233, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of This is a communication from a debt collector. Chesapeake, at the front of the Circuit Court building for FOR INFORMATION CONTACT: the City of Chesapeake located at 307 Albemarle Drive, SAMUEL I. WHITE, P.C. (40-015770-10/CONV) Civic Center, Chesapeake, Virginia on May 16, 5040 Corporate Woods Drive, Suite 120 Virginia Virginia 23462 20127, 2012 at 1:30 PM, the property with » INSIDE BUSINESS » MONDAY, MAY 68 Beach, 757-457-1460 - Call Between 9:00 a.m. and 11:30 improvements to wit: a.m. or visit our website at www.siwpc.net LOT 3, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, 23006763 SUBDIVISION OF PROPERTY OWNED BY C. S. FITCHETT, SOUTH NORFOLK, VIRGINIA, DATED OCTOBER 2, 1962, WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE (FORMERLY SOUTH NORFOLK), VIRGINIA ON DECEMBER 4, TRUSTEE'S SALE OF 1962, IN PLAT BOOK 2, PAGE 24. SAMUEL I. WHITE, P.C., Substitute Trustee

644 CORBY GLEN AVENUE, CHESAPEAKE, VA 23322

In execution of a Deed of Trust in the original principal amount of $346,400.00, with an annual interest rate of 6.8750% from JON FREEMAN AND RHONDA FREEMAN dated January 11, 2007, recorded among the land records of the Circuit Court for the CITY OF CHESAPEAKE as Deed Book/Instrument Number BOOK 6934 PAGE 551, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF CHESAPEAKE, at the front of the Circuit Court building for the City of Chesapeake located at 307 Albemarle Drive, Civic Center, Chesapeake, Virginia on May 23, 2012 at 1:30 PM, the property with improvements to wit: LOT 107, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION OF THE LAKES OF ETHRIDGE, PLEASANT GROVE BOROUGH- CHESAPEAKE, VA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 119, AT PAGES 25, 25A THROUGH 25F, INCLUSIVE. AND further described in the above Deed of Trust. (Tax Map No. 0609002001070) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-191056D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23005177

TRUSTEE`S SALE OF 712 Poplar Forest Court Chesapeake, VA 23322 Pursuant to the terms of a certain Deed of Trust, in the original principal amount of $403,750.00 , dated October 31, 2002, and recorded in the Clerk's Office of the Circuit Court of Chesapeake, Virginia (the "Clerk's Office"), in Deed Book 4762 at Page 369, default having been made in the payment of the note thereby secured, the undersigned Sole Acting Substitute Trustees, pursuant to the request of the holder of the Note thereby secured, will offer for sale at public auction outside of the Chesapeake Circuit Court, located at 307 Albemarle Drive, Chesapeake, VA 23322 on May 14, 2012 at 11:30 AM, the property briefly described as 712 Poplar Forest Court, Chesapeake, VA 23322, and more particularly described in said Deed of Trust as follows: City of Chesapeake, Virginia, known and designated as Lot "A", as shown on that certain plat entitled, "Resubdivision of Lot 255, Forest Lakes - Sect. 5 and subdivision of the property of Frank & Mary Mani", dated December 12, 1997, which said plat is duly recorded in the clerk`s office of the circuit court for the City of Chesapeake, Virginia, in Map Book 132, at Pages 3 and 3A. Reference is further made to that certain survey dated October 4. 2002, entitled "Physical Survey of Lot A, Resubdivision of Lot 255, Forest Lakes, Section 5 and subdivision of the property of Frank & Mary Mani, Chesapeake, Virginia, M.B. 132, P. 3 & 3A, with improvements thereon. TERMS OF SALE: Cash. A ten percent (10%) bidder's deposit in cash or certified check payable to the Trustee(s) shall be required of the successful bidder at the time of sale before the bidding will be closed; settlement must be made within twenty (20) days from the date of sale or property to be resold at cost of defaulting purchaser. All costs of conveyancing, examination of title, recording charges, etc. will be at cost of purchaser. Neither the Substitute Trustees, nor any other party guarantees or covenants to deliver, or in any way, to obtain possession of the premises for any third party purchaser. Additional terms may be announced at the time of sale. Commonwealth Asset Services, LLC Sole Acting Substitute Trustees This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: Commonwealth Asset Services, LLC 281 Independence Boulevard, Pembroke One Building, 5th Floor, Virginia Beach, VA 23462 www.sykesbourdon.com (757) 965-5097 BETWEEN HOURS OF 9:00 A.M. and 11:00 A.M. ONLY Our Case No: CA12-190227-1 23004337

TRUSTEE'S SALE OF 1708 ATLANTIC AVENUE, CHESAPEAKE, VA 23324 In execution of a Deed of Trust in the original principal amount of $200,000.00, with an annual interest rate of 9.6250% from Toria Scott dated January 23, 2006, recorded among the land records of the Circuit Court for the City of Chesapeake as Deed Book/Instrument Number 6356 AT PAGE 233, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Chesapeake, at the front of the Circuit Court building for the City of Chesapeake located at 307 Albemarle Drive, Civic Center, Chesapeake, Virginia on May 16, 2012 at 1:30 PM, the property with improvements to wit: LOT 3, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, SUBDIVISION OF PROPERTY OWNED BY C. S. FITCHETT, SOUTH NORFOLK, VIRGINIA, DATED OCTOBER 2, 1962, WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE

AND further described in the above Deed of Trust. (Tax Map No. 1410000000330) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-217557V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004239

Trustee's Sale 412 Centerville Turnpike South, Chesapeake, Virginia 23322 (Tax ID No. 0491001000280) Default having been made in the terms of a certain Deed of Trust dated August 30, 1985, in the original principal amount of $81,450.00 and recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia in Deed Book 2131, at page 802, the undersigned Substitute Trustees will sell at public auction on May 30, 2012, at 8:30 a.m., in front of the building housing the Chesapeake Circuit Court, 307 Albemarle Drive, Chesapeake, VA, the property designated as Lot 28, as shown on that certain plat entitled "Albemarle Acres, Section 1", which said plat is duly recorded in the aforesaid Clerk's Office in Map Book 43, at pages 20 and 21. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $8,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C., Substitute Trustee, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 56560, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 22995954

PORTSMOUTH TRUSTEE'S SALE OF 4832 Deep Creek Boulevard, Portsmouth, VA 23702. In execution

of a certain deed of trust dated April 23, 2009, in the original principal amount of $155,587.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 090005424, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 31, 2012, at 12:10 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: PARCEL ONE: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ITS APPURTENANCES, SITUATE, LYING AND BEING IN THE CITY OF PORTSMOUTH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT NUMBER THIRTY-EIGHT (38) IN BLOCK A, ON THE PLAN OF LOXLEY PLACE PLAT OF WHICH IS RECORDED IN THE OFFICE OF THE CLERK OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 26, AT PAGE 5, SAVE AND EXCEPT THAT PORTION OF LOT THIRTY-EIGHT (38) CONVEYED TO THE COMMONWEALTH OF VIRGINIA BY DEED OF ROY D. TAYLOR, ET UX, ET ALS, DATED APRIL 20, 1973, AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA IN DEED BOOK 620 AT PAGE 559. PARCEL 2: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE IN THE CITY OF PORTSMOUTH, VIRGINIA, KNOWN AND DESIGNATED AS A PORTION OF LOT NUMBERED THIRTY-SEVEN (37) IN BLOCK A, ON THE PLAN OF LOXLEY PLACE, PLAT OF WHICH IS RECORDED IN MAP BOOK 26, AT PAGE 5, IN THE OFFICE OF THE CLERK OF THE CITY OF CHESAPEAKE, VIRGINIA, AND BEING ALL OF THE SAID LOT NUMBER 37 WHICH WAS NOT CONVEYED TO THE COMMONWEALTH OF VIRGINIA BY DEED DATED SEPTEMBER 2, 1942, AND RECORDED IN THE AFORESAID CLERK'S OFFICE IN DEED BOOK 734, AT PAGE 36, SAVE AND EXCEPT THAT PORTION OF LOT THIRTY-SEVEN (37) CONVEYED TO THE COMMONWEALTH OF VIRGINIA BY DEED OF ROY D. TAYLOR, ET UX, ET ALS, DATED APRIL 2, 1972, AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA IN DEED BOOK 20, AT PAGE 559.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

VIRGINIA IN DEED BOOK 20, AT PAGE 559.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144715 A-4240297 05/07/2012, 05/14/2012 2302832

TRUSTEE'S SALE OF 102 Shore Drive, Portsmouth, VA 23701.

In execution of a certain deed of trust dated August 26, 2006, in the original principal amount of $205,700.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 060020925, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 22, 2012, at 12:10 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: HAVING A TAX IDENTIFICATION NUMBER OF 0651-0090A PARCEL OF LAND LOCATED IN THE CITY OF PORTSMOUTH, COUNTY OF PORTSMOUTH CITY, STATE OF VIRGINIA, AND KNOWN AS: BEING LOT NUMBER 24 BLOCK: 3 IN PARK MANOR AS SHOWN IN THE RECORDED PLAT/MAP THEREOF IN 23-22 OF PORTSMOUTH CITY COUNTY RECORDS..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 136789 A-4240296 05/07/2012, 05/14/2012 23023826

TRUSTEE`S SALE OF 5628 Carisbrooke Lane Portsmouth, VA 23703-3703 Pursuant to the terms of a certain Deed of Trust, in the original principal amount of $92,650.00 , dated April 3, 2007, and recorded in the Clerk's Office of the Circuit Court of Portsmouth, Virginia (the "Clerk's Office"), as Instrument Number 070007584, default having been made in the payment of the note thereby secured, the undersigned Sole Acting Substitute Trustees, pursuant to the request of the holder of the Note thereby secured, will offer for sale at public auction outside of the Portsmouth Circuit Court, located at 601 Crawford Street, Portsmouth, VA 23705 on May 17, 2012 at 10:00 AM, the property briefly described as 5628 Carisbrooke Lane, Portsmouth, VA 23703-3703, and more particularly described in said Deed of Trust as follows: City of Portsmouth, State of Virginia Lot 94, as shown on that certain plat entitled, "Subdivision of Edgefield East, Section 1, Portsmouth, Virginia", which said point is duly recorded in the Clerk`s Office of the Circuit Court of the City of Portsmouth, Virginia, in Map Book 11, at Pages 96 and 97, with improvements thereon. TERMS OF SALE: Cash. A ten percent (10%) bidder's deposit in cash or certified check payable to the Trustee(s) shall be required of the successful bidder at the time of sale before the bidding will be closed; settlement must be made within twenty (20) days from the date of sale or property to be resold at cost of defaulting purchaser. All costs of conveyancing, examination of title, recording charges, etc. will be at cost of purchaser. Neither the Substitute Trustees, nor any other party guarantees or covenants to deliver, or in any way, to obtain possession of the premises for any third party purchaser. Additional terms may be announced at the time of sale. Commonwealth Asset Services, LLC Sole Acting Substitute Trustees This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. FOR INFORMATION CONTACT: Commonwealth Asset Services, LLC 281 Independence Boulevard, Pembroke One Building, 5th Floor, Virginia Beach, VA 23462 www.sykesbourdon.com (757) 965-5097 BETWEEN HOURS OF 9:00 A.M. and 11:00 A.M. ONLY Our Case No: CA11-190576-5 23022946

obtained will be used for that purpose. FOR INFORMATION CONTACT: Commonwealth Asset Services, LLC 281 Independence Boulevard, Pembroke One Building, 5th Floor, Virginia Beach, VA 23462 www.sykesbourdon.com (757) 965-5097 BETWEEN HOURS OF 9:00 A.M. and 11:00 A.M. ONLY Our Case No: CA11-190576-5 23022946

All that certain lot, piece or parcel of land with the buildings and improvements thereon , situate, lying and being in the City of Portsmouth, Virginia, being known, numbered and designated as Lot 33, as shown on that certain plat entitled Cavalier Manor, Section 17, which said plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Portsmouth, Virginia, in Map Book 3, Page 108. AND further described in the above Deed of Trust. (Tax Map No. 0668 0330) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

Trustee's Sale 519 Normandy Street, Portsmouth, Virginia 23701 (Tax Map No. 05190200 ) Default having been made in the terms of a certain Deed of Trust dated September 29, 2006, in the original principal amount of $228,674.00 and recorded in the Clerk's Office of the Circuit Court of the City of Portsmouth, Virginia as Instrument No. 060021395, the undersigned Substitute Trustees will sell at public auction on May 16, 2012, at 10:25 a.m., in front of the building housing the Portsmouth Circuit Court, 601 Crawford Street, Portsmouth, VA, the property designated as Lot 60, as shown on that certain plat entitled “Subdivision Plat creating NEW PORT, Section 2, Portsmouth, Virginia, May 17, 2005” which said plat is duly recorded in the aforesaid Clerk’s Office in Map Book 20 at pages 126 through 129, inclusive. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $22,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com , outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 91272, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23021125

TRUSTEE SALE 3742 Pepperwood Ct, Portsmouth, VA 23703-2758 In execution of a Deed of Trust in the original principal amount of $120,000.00 , dated July 26, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Portsmouth, Virginia, in Instrument 070015893, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 15, 2012 at 11:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 25, Churchland West, Section 6, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-003322-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23019611

TRUSTEE'S SALE OF 1506 DANDRIDGE DRIVE, PORTSMOUTH, VA 23701 In execution of a Deed of Trust in the original principal amount of $77,681.00, with an annual interest rate of 6.2500% from Audrey V. Young dated March 28, 2003, recorded among the land records of the Circuit Court for the City of Portsmouth as Deed Book/Instrument Number 030044193, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City of Portsmouth, at the front of the Circuit Court building for the City of Portsmouth located at 601 Crawford Street, Portsmouth, Virginia on May 23, 2012 at 10:30 AM, the property with improvements to wit: All that certain lot, piece or parcel of land with the buildings and improvements thereon , situate, lying and being in the City of Portsmouth, Virginia, being known, numbered and designated as Lot 33, as shown on that certain plat entitled Cavalier Manor, Section 17, which said plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Portsmouth, Virginia, in Map Book 3, Page 108. AND further described in the above Deed of Trust. (Tax Map No. 0668 0330) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder's deposit of $7,700.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-222754V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23019201

TRUSTEE'S SALE OF REAL ESTATE located at 7 Peachtree Court, Portsmouth, Virginia In execution of the Deed of Trust from ERICA FOX dated September 15, 2005, in the Original Principal Amount of $80,265.00, and recorded in Deed Book Inst. 050019910, and rerecorded as Inst. 060008059, in the Clerk's Office of the Circuit Court for the City of Portsmouth, Virginia, default having occurred in the payment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustees, any one of whom may act, will sell at public auction at the Front Entrance of the Circuit Court for the City of Portsmouth on May 22, 2012, at 2:30 p.m., the property described as Lot 4, Resubdivision of Section Eight, Peachtree P.U.D., City of Portsmouth, Virginia, known as 7 Peachtree Court, Portsmouth, Virginia. Tax ID: 0847 0810 TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 7,200.00 or 10% of the successful bid amount (whichever is lower) will be required immediately of the successful bidder, IN CASH, CASHIER'S CHECK OR CERTIFIED FUNDS ONLY PAYABLE TO "CECIL G. MOORE, TRUSTEE", balance to be paid within fifteen days from the date of sale. ABSOLUTELY NO PERSONAL CHECKS ACCEPTED AS BIDDER'S DEPOSIT. Real estate taxes will be adjusted to the date of sale. All cost of conveyance, deed, examination of title, recording charges and the grantor's tax will be at the cost of the purchaser. All risks of casualty pass to the successful bidder. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: April 24, 2012 CECIL G. MOORE, and JO ANN HUTCHINSON, Substitute Trustee(s) 12 092BF (74.37) For Information Contact Trustees At: 710 Denbigh Boulevard, Ste. 6C, Newport News, Virginia 23608 (757) 877-0255 between 9:00 - 10:30 a.m. only Publish on: May 7 & 14, 2012 23018885

TRUSTEE SALE 18 California Avenue, Portsmouth, VA 23701-2505 In execution of a Deed of Trust in the original principal amount of $167,200.00, dated May 30, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Portsmouth, Virginia, in Instrument 070011919, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Circuit Court

Building of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 22, 2012 at 11:30 o'clock am the property described in said deed,

located at the above address and briefly described as: Lot 1, Block 12, Plat 1 Oregon Farms, recorded in Map Book 23, page 83, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-018191-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012391

TRUSTEE'S SALE OF 4414 Pelican Point, Portsmouth, VA 23703. In execution of a certain deed of

trust dated October 13, 2007, in the original principal amount of $286,230.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 070020976, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on June 05, 2012, at 12:10 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF PORTSMOUTH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT 121, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION PLAT OF HIDDEN COVE AT HOFFLER CREEK, PHASE FIVE, PORTSMOUTH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA IN MAP BOOK 18, AT PAGE 92 THROUGH 94..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 129305 A-4237256 04/30/2012, 05/07/2012 23011640

TRUSTEE'S SALE OF 4020 Estates Lane, i/r/t/a 4020 Estate Lane, Portsmouth, VA 23703. In execution of a certain deed of

trust dated August 17, 2005, in the original principal amount of $610,056.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 050017266, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 22, 2012, at 12:11 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, AND THE APPURTENANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF PORTSMOUTH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 5, AS SHOWN ON THE CERTAIN PLAT ENTITLED "MAJOR SUBDIVISION OF THE ESTATES AT RIVER POINTE AS SHOWN ON M. B. 13 PG. 140 & M.B.. 15 PG. 50, PORTSMOUTH, VIRGINIA", WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA, IN MAP BOOK 19, AT PAGE 111 THROUGH 114; TO WHICH REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144102 A-4237255 04/30/2012, 05/07/2012 23011626

TRUSTEE'S SALE OF 1633 Leckie Street, Portsmouth, VA 23704. In execution of a certain deed of

trust dated September 23, 2010, in the original principal amount of $149,180.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 100009499, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 22, 2012, at 12:12 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH ITS APPURTENANCES, SITUATE IN THE CITY OF PORTSMOUTH, VIRGINIA, AND BEING BOUNDED AND DESCRIBED AS FOLLOWS, TO-WIT: BEGINNING AT A POINT ON THE SOUTH SIDE OF LECKIE STREET, 60 FEET EAST OF THE SOUTHEAST INTERSECTION OF LECKIE STREET AND WILLIAMSBURG AVENUE, AND FROM SAID POINT BEGINNING RUNNING THENCE EAST ALONG LECKIE STREET 65 FEET TO A POINT; THENCE SOUTH AND PARALLEL WITH WILLIAMSBURG AVENUE 120 FEET; THENCE WEST AND PARALLEL WITH LECKIE STREET 65 FEET; AND THENCE NORTH AND PARALLEL WITH WILLIAMSBURG AVENUE 120 FEET TO THE POINT OF BEGINNING..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145001 A-4237254 04/30/2012, 05/07/2012 23011619

TRUSTEE'S SALE OF 2409 Greenwood Drive, Portsmouth, VA 23702. In

execution of a certain deed of trust dated November 22, 2006, in the original principal amount of $118,247.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 060025510, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 15, 2012, at 12:10 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN SECTION, LOT, PIECE OR PARCEL OF LAND SITUATE IN DEEP CREEK MAGISTERIAL DISTRICT OF THE CITY OF PORTSMOUTH, STATE OF VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS SECTION TEN (10), BLOCK B, FRONTING SIXTY (60) FEET ON THE SOUTH SIDE OF GREENWOOD DRIVE, FORMERLY VIRGINIA AVENUE, AND EXTENDING BACK AT RIGHT ANGLES TO GREENWOOD DRIVE IN A SOUTHERLY DIRECTION BETWEEN PARALLEL LINES 227 FEET TO BARCLAY AVENUE, FORMERLY ROSE AVENUE, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 21, PAGES 68-69, EXCEPTING FROM THE ABOVE DESCRIBED A STRIP OF LAND TEN (10) FEET WIDE ON GREENWOOD DRIVE, FORMERLY VIRGINIA AVENUE, ACROSS THE SAID PROPERTY WHICH IS RESERVED FOR USE AS A SIDEWALK..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. Substitute Trustee: Equity Trustees, LLC, 8100

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 133990 A-4237252 04/30/2012, 05/07/2012 23011599

including, but not limited to, determination of property is available for viewing at whether the borrower entered into any www.bwwsales.com. This is a communication repayment agreement, reinstated or paid off from a debt collector and any information the loan prior to the sale. In any such event, obtained will be used for that purpose. The the sale shall be null and void, and the sale is subject to seller confirmation. Purchaser's sole remedy, in law or equity, shall Substitute Trustee: Equity Trustees, LLC, 8100 be the return of his deposit without interest . Three Chopt Rd., Suite 240, Richmond, VA Additional terms to be announced at the sale. For information » INSIDE BUSINESS » 69 MONDAY, MAY23229, 7, 2012 (703)548-4600. A form copy of the Trustee's memorandum of contact: BWW Law Group, LLC, attorneys for foreclosure sale and contract to purchase real Equity Trustees, LLC, 4520 East West Highway, property is available for viewing at Suite 200, Bethesda, MD 20814, (301) www.bwwsales.com. This is a communication 961-6555, website: www.bwwsales.com. from a debt collector and any information BWW# 145376 A-4237244 04/30/2012, obtained will be used for that purpose. The 05/07/2012 23011524 sale is subject to seller confirmation. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Trustee's Sale Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 120 Sykes Avenue, 961-6555, website: www.bwwsales.com. Portsmouth, Virginia 23701 BWW# 144326 A-4237249 04/30/2012, 05/07/2012 23011556 (Tax ID No. 04220480)

TRUSTEE'S SALE OF 21 Woodland Street, Portsmouth, TRUSTEE'S SALE OF 3 Brent VA 23702. In execution of a certain deed Crescent, Portsmouth, VA of trust dated November 08, 2007, in the original principal amount of $123,322.00 23703. In execution of a certain deed of

recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 070022379, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 15, 2012, at 12:11 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF PORTSMOUTH, VIRGINIA, AND KNOWN, NUMBERED AND DESIGNATED AS LOT NUMBERED SIX (6), IN BLOCK NUMBER EIGHTY-THREE (83), AS SHOWN ON THE CERTAIN PLAT ENTITLED, "SUBDIVISION OF BLOCKS 80, 83, 84, 85, 86 AND 89, PLAT OF CRADOCK, NORFOLK COUNTY, VIRGINIA, TO BE KNOWN AS CRADOCK GARDENS" MADE BY R.R. SAVAGE, C.E., AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 23, AT PAGE 82.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143226 A-4237251 04/30/2012, 05/07/2012 23011577

trust dated July 21, 2006, in the original principal amount of $219,000.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 060015776, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 15, 2012, at 12:13 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF PORTSMOUTH, VIRGINIA, BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 84, AS SHOWN ON THAT CERTAIN PLAT ENTITLED "SUBDIVISION PLAT OF CAVALIER FOREST, SECTION FOUR, PORTSMOUTH, VIRGINIA," WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA, IN MAP BOOK 8, AT PAGE 84..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144161 A-4237248 04/30/2012, 05/07/2012 23011538

Default having been made in the terms of a certain Deed of Trust dated July 27, 2001, in the modified principal amount of $51,357.47 and recorded in the Clerk's Office of the Circuit Court of the City of Portsmouth, Virginia as Instrument No. 010229 and modified by Modification Agreement dated October 14, 2004, and recorded as Instrument No. 050005703, the undersigned Substitute Trustees will sell at public auction on M a y 9 , 2012, at 10:25 a.m., in front of the building housing the Portsmouth Circuit Court, 601 Crawford Street, Portsmouth, VA, the property designated as Lot 426, on plat of Simonsdale Gardens, which plat is duly recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, (formerly Norfolk County) Virginia, in Map Book 25, at pages 54, 55 and 56. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $5,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 55992, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23009521

TRUSTEE'S SALE OF 337 COURT STREET Portsmouth Virginia Pursuant to the terms of a deed of trust dated October 31, 2007, in the original principal amount of $385,000.00, recorded in the Clerk's Office, Circuit Court for the City of Portsmouth, Virginia, as Instrument Number 070023212, the property briefly described below will be offered for sale at public auction. All that certain lot or parcel of land, lying and being in the City of Portsmouth, Virginia, beginning at a point on the East side of North Street 121 feet North of the Northeast Intersection of North and Court Streets, and from thence running North along Court Street 25 feet, thence East 56 feet, 6 inches, thence South 25 feet, and thence West 56 feet, 6 inches to the point of beginning, as the same is duly dedicated platted, and recorded, among the land records for the City of Portsmouth, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property").

The sale will take place on May 15, 2012, at TRUSTEE'S SALE OF 1700 Bain 12:30 p.m. at the main entrance, to the building Street, Portsmouth, VA TRUSTEE'S SALE OF 1006 housing the Circuit Court for the City of Portsmouth, 23704. In execution of a certain deed of Potomac Avenue, Portsmouth, Virginia. trust dated May 27, 2004, in the original VA 23707. In execution of a certain deed

principal amount of $165,550.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 040010367, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 15, 2012, at 12:14 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THOSE CERTAIN LOTS, PIECES OR PARCELS OF LAND WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE IN THE CITY OF PORTSMOUTH, VIRGINIA, AND DESIGNATED AS LOT 48 AND THE EASTERLY TWENTY-FIVE (25) FEET OF LOT 47, AS SHOWN ON A PLAT ENTITLED: "SYKES & WILDERS ADDITION TO WEST PARK VIEW", OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA IN MAP BOOK 1, PAGE 46..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

of trust dated April 23, 2010, in the original principal amount of $97,934.00 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Instrument No. 100004660, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 22, 2012, at 12:13 PM, the property described in said deed of trust, located at the above address. Parcel #: 03520120. 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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145376 A-4237244 04/30/2012, 05/07/2012 23011524

Terms: A deposit in the form of certified funds in the amount of $35,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804)288-0088 Ref#231984 Ad dates: April 30, 2012 May 7, 2012 23009423

Trustee's Sale 4 Eustis Street, Portsmouth, Virginia 23701 (Tax ID No. 04230230) Default having been made in the terms of a certain Deed of Trust dated October 21, 2005, in the original principal amount of $125,250.00 and recorded in the Clerk's Office of the Circuit Court of the City of Portsmouth, Virginia as Instrument No. 050024553, the undersigned Substitute Trustees will sell at public auction on May 9, 2012, at 10:25 a.m., in front of the building housing the Portsmouth Circuit Court, 601 Crawford Street, Portsmouth, VA, the property designated as Lot 40, on the plat of Section #1 (erroneously referred to as Section #3 in the aforesaid Deed of Trust), SIMONSDALE, which said plat is recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, State of Virginia in Map Book 23 at Page 62. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of

CITY OF PORTSMOUTH as Deed Book/Instrument 2012, at 10:25 a.m., in front of the building memorandum of foreclosure sale and contract to the Number 040013023, the undersigned appointed housing the Portsmouth Circuit Court, 601 Crawford purchase real property is available for viewing at

Street, Portsmouth, VA, the property designated as Lot www.bwwsales.com. This is a communication from a debt 40, on the plat of Section #1 (erroneously referred to as collector and any information obtained will be used for Section #3 in the aforesaid Deed of Trust), SIMONSDALE, that purpose. The sale is subject to seller confirmation. which said plat is recorded in the Clerk's Office of the Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Circuit of the CityBUSINESS of Chesapeake, State of Virginia in MAY Rd., Suite 240, Richmond, VA 23229, (703)548-4600. » INSIDE » MONDAY, 7, 2012 70Court Map Book 23 at Page 62. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite Sale is subject to all prior liens, easements, restrictions, 200, Bethesda, MD 20814, (301) 961-6555, website: covenants, and conditions, if any, of record, or other www.bwwsales.com. 23004871 matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $12,500.00 or 10% of the sale price, whichever is lower, TRUSTEE'S SALE will be required of the successful bidder at time of sale. 3520 Brighton Street, Prior to the sale, interested bidders will be required to Portsmouth, VA 23707 register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must IN EXECUTION of Deed of Trust dated March 23, 2009, be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful made by David E. Gardner and Mary K. Gardner, recorded bidder’s deposit will be retained at the sale and applied to in the City of Portsmouth Circuit Court Clerk's Office as the sale price. If held by the trustee, all other bid deposits Instrument #090003221, securing Note in original will be returned to the unsuccessful bidders. Settlement is principal amount of $66,114.00, default having been to be made within 15 days. The successful bidder will be made in payment of debt thereby secured, and at request required to execute a Memorandum of Trustee's Sale, of beneficiary thereunder, the undersigned, will offer for available for review on the Foreclosure Sales page of sale at public auction to the highest bidder, for cash, at www.glasserlaw.com, outlining additional terms of sale the front door of the City of Portsmouth Circuit Court, 601 and settlement. A Trustee’s Deed will be prepared by Crawford Street, Portsmouth, Virginia, on May 8, Trustee’s attorney at high bidder’s expense. This is a 2012 at 2:00 p.m., the properties conveyed in communication from a debt collector. Glasser and said Deed of Trust and briefly described as follows: Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, ALL THOSE certain lots or parcels of land in 580 East Main Street, Norfolk, VA 23510, File No. 97068, the City of Portsmouth (formerly in the Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 Western Branch Magisterial District in the noon only. 23009060 County of Norfolk), Virginia, known numbered and designated as Lot Number 20, 22 and 24 in Block 107 on the Plat of Subdivision of Virginia Realty and Investment Company, which plat is duly TRUSTEE'S SALE recorded in the Clerk's Office of the Circuit 12 Harvard Road, Court of the City of Chesapeake, (formerly Portsmouth, VA 23701 Norfolk County), Virginia, in Map Book 7, pages 98, 99 and 100. Map & Parcel # 04360070 Tax ID #0315-0720 Pursuant to the terms of a deed of trust dated September TERMS OF SALE: CASH. Property is being sold "AS 21, 2011, in the original principal amount of $126,704.00, recorded in the Clerk's Office of the Circuit IS", without any representations or warranties, SUBJECT to the rights of any person in possession and to all Court of the City of Portsmouth, Virginia as Instrument No. 110009016, and assigned by Certificate of Transfer covenants, conditions, restrictions, easements, defects, recorded as Instrument No. 110009017, the property encumbrances, adverse claims, or liens, whether filed or briefly described below will be offered for sale at public inchoate, which have priority over the Deed of Trust. auction: Deposit of 10% cash, certified or cashier's check, will Lot 149, Shea Farms, as shown on a plat recorded in the be required of successful bidder immediately after sale; Clerk's Office of the Circuit Court of the City of settlement must be within 10 days from date of sale, TIME Chesapeake, Virginia, in Map Book 26, Page 62, and as BEING OF THE ESSENCE, or property to be resold at cost to more particularly described in the referenced deed of defaulting purchaser, and Trustee shall be entitled to recover from defaulting purchaser any deficiency resulting trust. from resale. All costs of conveyancing, examination of title, recording and settlement charges, grantor's taxes, The sale will take place on MAY 17, 2012 AT etc. to be at cost of purchaser. Noteholder reserves the 11:00 A.M., at the front entrance to the building right to bid and trustee reserves right to reject any bids, housing the Circuit Court of the City of Portsmouth, keep bidding open for any length of time, waive deposit located at 601 Crawford Parkway, Portsmouth, VA. requirements, extend time for settlement, announce additional terms of sale and cancel or rescind sale solely The property and the improvements thereon will be sold at trustee's discretion. "AS IS" and without representation or warranties of any kind. The sale is subject to all liens, encumbrances, THIS NOTICE IS AN ATTEMPT TO COLLECT A DEBT conditions, easements and restrictions, if any, superior to AND ANY INFORMATION OBTAINED WILL BE USED the mentioned deed of trust and lawfully affecting the FOR THAT PURPOSE. property. McKenry, Dancigers, Dawson & Lake, P.C. Terms: A deposit in the form of CERTIFIED FUNDS in Substitute Trustee the amount of $12,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of FOR INFORMATION CONTACT: sale. Closing within fifteen (15) days of sale. Time is of Angela Flores the essence. Additional terms will be announced at sale. 192 Ballard Court, Suite 400 Purchaser to pay all closing costs. Sale subject to seller Virginia Beach, Virginia 23462 confirmation. Pursuant to the Federal Fair Debt Collection (757) 461-2500 23004815 Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein, and any information we obtain will be used for that purpose. Evans & Bryant, PLC, Substitute Trustee FOR INFORMATION CONTACT: Jennifer, Assistant to Julian A. Bryant, Jr., at Evans & Bryant, PLC, Substitute Trustee, 2101 Parks Avenue, Suite 301, Virginia Beach, VA 23451. 1-757-437-9500 (1228018). 23009002

BWW# 105094

TRUSTEE'S SALE OF 2711 Magnolia Street, Portsmouth, VA 23704. In execution of a certain deed of trust

dated July 23, 1999, in the original principal amount of $83,213.95 recorded in the Clerk's Office, Circuit Court for City of Portsmouth, Virginia, in Deed Book 1267 Page 0645, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Portsmouth, 601 Crawford Street, Portsmouth, Virginia, on May 22, 2012, at 12:10 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, NUMBERED 2711 MAGNOLIA STREET, SITUATE IN THE CITY OF PORTSMOUTH, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 63 ON THE PLAT OF ARCADIA HEIGHTS, NO.2, DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA, IN MAP BOOK 2, AT PAGE 13..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23004871

TRUSTEE'S SALE OF 5611 CARISBROOKE LANE, PORTSMOUTH, VA 23703

In execution of a Deed of Trust in the original principal amount of $130,600.00, with an annual interest rate of 6.0000% from DOROTHY Y. DEBRAUX dated December 13, 2007, recorded among the land records of the Circuit Court for the CITY OF PORTSMOUTH as Deed Book/Instrument Number 070024221, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF PORTSMOUTH, at the front of the Circuit Court building for the City of Portsmouth located at 601 Crawford Street, Portsmouth, Virginia on May 16, 2012 at 10:30 AM, the property with improvements to wit: LOT 62, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION OF EDGEFIELD EAST, SECTION 1," WHICH SAID PLAT IS DULY OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF PORTSMOUTH, VIRGINIA, IN MAP BOOK 11, PAGE 96 AND 97. AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $13,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-181800D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23994773

TRUSTEE'S SALE OF 26 AFTON PARKWAY, PORTSMOUTH, VA 23702 In execution of a Deed of Trust in the original principal amount of $75,600.00, with an annual interest rate of 3.6180% from SHUNITA L. VAUGHAN dated July 1, 2004, recorded among the land records of the Circuit Court for the CITY OF PORTSMOUTH as Deed Book/Instrument Number 040013023, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF PORTSMOUTH, at the front of the Circuit Court building for the City of Portsmouth located at 601 Crawford Street, Portsmouth, Virginia on May 16, 2012 at 10:30 AM, the property with improvements to wit: LOT TEN (10), IN BLOCK SIX (6), AS SHOWN ON THE PLAT OF MAP OF CRADOCK, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP

Substitute Trustee will offer for sale at public auction in the CITY OF PORTSMOUTH, at the front of the Circuit Court building for the City of Portsmouth located at 601 Crawford Street, Portsmouth, Virginia on May 16, 2012 at 10:30 AM, the property with improvements to wit: LOT TEN (10), IN BLOCK SIX (6), AS SHOWN ON THE PLAT OF MAP OF CRADOCK, WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE, VIRGINIA, IN MAP BOOK 17, AT PAGES 93 THROUGH 100, (THE "PROPERTY"). AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $7,500.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-219719D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004746

TRUSTEE'S SALE OF 3217 CAMELLIA DRIVE, PORTSMOUTH, VA 23703 In execution of a Deed of Trust in the original principal amount of $276,000.00, with an annual interest rate of of 5.0740% from JEANNETTE E. KUBE AND PAUL H. KUBE dated October 31, 2005, recorded among the land records of the Circuit Court for the CITY OF PORTSMOUTH as Deed Book/Instrument Number 050023349, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF PORTSMOUTH, at the front of the Circuit Court building for the City of Portsmouth located at 601 Crawford Street, Portsmouth, Virginia on May 16, 2012 at 10:30 AM, the property with improvements to wit: All that certain lot, or parcel of land situate in the City of Portsmouth, State of Virginia, and known, numbered and designated as Lot Numbered Forty-five (45) on the plat entitled, "Siesta Gardens, Section One, Western Branch Magisterial District, Norfolk County, Virginia" dated August 29, 1965, made by ball and Hassell, Portsmouth, Viriginia and duly recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, Virginia, in Map Book 39, at page 67, reference being hereby made to said plat for a more particular description of said property. AND further described in the above Deed of Trust. (Tax Map No. 0810-0090) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 11-221963V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23004300

Trustee's Sale 2905 Elm Avenue, Portsmouth, Virginia 23704 (Tax Map No. 00770020) Default having been made in the terms of a certain Deed of Trust dated April 11, 2007, in the original principal amount of $150,000.00 and recorded in the Clerk's Office of the Circuit Court of the City of Portsmouth, Virginia as Instrument No. 070010245, the undersigned Substitute Trustees will sell at public auction on May 9, 2012, at 10:25 a.m., in front of the building housing the Portsmouth Circuit Court, 601 Crawford Street, Portsmouth, VA, the property designated as Lots 9 and 10, on the "Plat of the property of Welton and Thompson known as Elm Place Addition", recorded in the Clerk's Office of the Circuit Court of the City of Chesapeake, (formerly Norfolk County), Virginia, in Map Book 11, Page 75. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com, outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 97401, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 22983306

HAMPTON TRUSTEE SALE 4 Overlook Court, Hampton, VA 23669-1057 In execution of a Deed of Trust in the original principal amount of $216,000.00, dated August 18, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 060021952, at page 0308, default having occurred in the payment of the Note thereby secured and at the request of the holder

TRUSTEE SALE 4 Overlook Court, Hampton, VA 23669-1057 In execution of a Deed of Trust in the original principal amount of $216,000.00, dated August 18, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 060021952, at page 0308, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 23, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 56, Riverpoint West, Section 1, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-022353-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024336

TRUSTEE SALE 435 Hunlac Ave, Hampton, VA 23664-1523 In execution of a Deed of Trust in the original principal amount of $136,000.00, dated September 4, 2008 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 080016350, at page 0218, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 23, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 5, Block B, Buckroe Gardens, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-007699-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024275

TRUSTEE SALE 11 Ashe Meadows Dr, Hampton, VA 23664-2069 In execution of a Deed of Trust in the original principal amount of $357,000.00, dated August 3, 2005 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 050020287, at page 0376, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 30, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 7, Ashe Meadows, Section 1, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose.

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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-001963-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m.or visit our website at www.siwpc.net 23024220

TRUSTEE SALE 34 Harwood Avenue, Hampton, VA 23664-1067 In execution of a Deed of Trust in the original principal amount of $168,300.00, dated August 2, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 070019243, at page 0351, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 23, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 93, Chesapeake Heights Incorporated, Section One, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-008480-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024190

TRUSTEE SALE 110 Tucker Lane, Hampton, VA 23669-2271 In execution of a Deed of Trust in the original principal amount of $96,800.00, dated February 15, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 060004538, at page 71, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 23, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 15, Block S, Pine Grove Court, recorded in Plat Book 3, Page 113, with improvements thereon. TERMS OF SALE: CASH: A deposit of $7,500.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (3545-08/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024130

TRUSTEE'S SALE OF 33 Forth Worth Street Hampton, VA 23669 a/k/a 33 Fort Worth Street Hampton, VA 23666

a/k/a 33 Fort Worth Street Hampton, VA 23666

In execution of a Deed of Trust in the original principal amount of $281,000.00, from Vincent Slade and Joyce Slade, Grantor(s), dated November 26, 2007, recorded among the land records of the Circuit Court for the City of Hampton on November 27, 2007 as Instrument #070027694, the undersigned appointed Substitute Trustee will offer for sale at public auction at the Courthouse Steps for the Circuit Court of the City of Hampton, 101 Kings Way, Hampton, VA on May 23, 2012 at 9:20AM, the property with the improvements thereon, if any, to wit: All that certain lot, piece or parcel of land situate, lying and being in the City of Hampton, Virginia, known and designated as Lot Numbered Ninety-eight (98), in Block Lettered ''E'', as shown on that certain plat entitled, "Holiday Park, Section Seven, City of Hampton, Virginia'', made by C. K. Tudor, Engineers, dated October 18, 1972 and recorded in the Clerk's Office of the Circuit Court for the City of Hampton, Virginia, in Plat Book 6, page 140. And more fully described in the above Deed of Trust. Commonly known as 33 Forth Worth Street, Hampton, VA 23669. Tax ID: 09K002 07 E 098. TERMS OF SALE: ALL CASH. A bidder's deposit of $12,000.00 or 10% of the sale price will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: Conv/Federal National Mortgage Association (Trustee # 517940) Substitute Trustee: ALG Trustee, LLC, C/O Atlantic Law Group, LLC PO Box 2548, Leesburg, VA 20177, 703-777-7101, website: http://www.atlanticlawgrp.com (05-07-12, 05-14-12)(287991) 23023839

TRUSTEE'S SALE OF 506 Carters Grove Court, Hampton, VA 23663.

In execution of a certain deed of trust dated January 16, 2009, in the original principal amount of $231,990.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 090000914, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on May 21, 2012, at 12:07 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATED AND BEING IN THE CITY OF HAMPTON, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED FORTY-NINE (49), BLOCK K, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "ELIZABETH LAKE ESTATES, SECTION FOUR", MADE BY W. B. SOURS, C.L.S. AND C.E., DATED JULY 29, 1964, AND RECORDED IN PLAT BOOK 5, PAGE 83, IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF HAMPTON, VIRGINIA.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145432 A-4240292 05/07/2012, 05/14/2012 23023817

TRUSTEE'S SALE OF 211 Eastfield Court, Hampton, VA 23666. In execution of a certain deed of trust dated

October 11, 2008, in the original principal amount of $156,000.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 080020822, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on May 21, 2012, at 12:05 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, VIRGINIA, AND KNOWN AND DESIGNATED AND DESCRIBED AS LOT NUMBERED SIX (6) IN BLOCK W, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "BETHEL PARK, SECTION 11," MADE BY W. B. SOURS, C.L.S., AND C.E. DATED JUNE 8, 1962, AND RECORDED IN PLAT BOOK 4, PAGE 139, IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF HAMPTON, VIRGINIA..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301)

TRUSTEE'S SALE OF 1934 Demetro Drive, Hampton, VA 23663 . In execution of a certain deed of trust dated

April 15, 2008, in the original principal amount of $102,060.38 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 080007190, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on May 21, 2012, at 12:06 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN PARCEL OF LAND IN, HAMPTON CITY, COMMONWEALTH OF VA, AS MORE FULLY DESCRIBED IN BOOK 375 PAGE 400 ID #12008291, BEING KNOWN AND DESIGNATED AS LOT 2, BLOCK 62, SECTION 4 CARYBROOK, RECD. ON 11/09/2004 FILED IN PLAT BOOK 5, PAGE 93..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23022401 BWW# 70948

TRUSTEE'S SALE OF 8 Mizzen Circle, Unit # 8, Hampton, VA 23664. In execution of a certain deed of trust dated

August 31, 2006, in the original principal amount of $259,900.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 060023210, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on June 04, 2012, at 12:06 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT KNOWN AND NUMBERED AS UNIT NUMBER THREE HUNDRED TWO (302), PHASE NO. 3, IN THAT CERTAIN CONDOMINIUM ENTITLED, "SOUTHALL CONDOMINIUM, PHASE NO. 3, " LOCATED IN THE CITY OF HAMPTON, VIRGINIA, TOGETHER WITH ALL APPURTENANCES TO SAID UNIT INCLUDING, WITHOUT LIMITATION, AN UNDIVIDED INTEREST IN CERTAIN COMMON ELEMENTS, ALL IN ACCORDANCE WITH AND AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN DECLARATION OF SOUTHALL CONDOMINIUM, DATED MAY 1, 1987, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF HAMPTON, VIRGINIA, IN DEED BOOK 916, AT PAGE 98, AND THE AMENDMENTS AND EXHIBITS THERETO (HEREINAFTER REFFERED TO AS THE "DECLARATION"), INCLUDING, BUT NOT LIMITED TO, THE THIRD AMENDMENT TO THE DECLARATION, DATED NOVEMBER 1, 1989 IN DEED BOOK 970, AT PAGE 1129, TO WHICH DECLARATION REFERENCE IS HEREBY MADE FOR A MORE PARTICULAR DESCRIPTION OF SAID UNIT..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23022372

TRUSTEE SALE 17 Cape Dorey Dr, Hampton, VA 23666-6201 In execution of a Deed of Trust in the original principal amount of $51,300.00, dated October 26, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 060028244, at page 0944, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 16, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Unit 22A-2-17, Hampton Club Condominium, Section IIIA, Phase II; Together with an undivided interest in the common elements. TERMS OF SALE: CASH: A deposit of $5,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-001709-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23021038

TRUSTEE SALE 1408 Dorene Ct, Hampton, VA 23663-1925 In execution of a Deed of Trust in the original principal amount of $190,000.00, dated July 11, 2008 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 080013250, at page 0283, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 16, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 21, Von Terrace, recorded in Plat Book 5, Page 109, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006938-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23020474

TRUSTEE SALE 3619 Victoria Boulevard, Hampton, VA 23661-1511 In execution of a Deed of Trust in the original principal amount of $179,900.00, dated September 20, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 070023208, at page 0218, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 16, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 7 and 25' of Lot 8, Block 1, Otley Plat, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee

including, but not limited to, determination of whether the GRISHAW, JR. and KATE L. VAUGHN, dated July 25, 2008, borrower entered into any repayment agreement, in the Original Principal Amount of $165,648.00, and reinstated or paid off the loan prior to the sale. In any recorded in Deed Book Inst. 080014020, Page 178, in the such event, the sale shall be null and void, and the Clerk's Office of the Circuit Court for the City of Hampton, Purchaser’s sole remedy, in law or equity, shall be the Virginia, default having occurred in the payment of the return of his deposit without interest. Additional terms indebtedness thereby secured and at the request of the holder of the» Note, the undersigned, as Substitute may be announced at the time of sale. Pursuant to the » 71 INSIDE BUSINESS MONDAY, MAY 7, 2012 Federal Fair Debt Collection Practices Act, we advise you Trustees, any one of whom may act, will sell at public that this firm is a debt collector attempting to collect the auction at the Front Entrance of the Circuit Court for the indebtedness referred to herein and any information we City of Hampton on May 22, 2012, at obtain will be used for that purpose. 12:35 p.m., the property described as Lot 19, Block Letter "H", Section Eighteen, Newmarket, City of SAMUEL I. WHITE, P.C., Substitute Trustee Hampton, Virginia, known as 8406 Kennedy Drive, Hampton, Virginia. Tax ID: 3002388 This is a communication from a debt collector. TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT FOR INFORMATION CONTACT: WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE SAMUEL I. WHITE, P.C. (01-004917-12/CONV) ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. 5040 Corporate Woods Drive, Suite 120 A deposit of $ 15,000.00 or 10% of the successful bid Virginia Beach, Virginia 23462 amount (whichever is lower) will be required immediately 757-457-1460 - Call Between 9:00 a.m. and 11:30 of the successful bidder, IN CASH, CASHIER'S CHECK OR a.m. or visit our website at www.siwpc.net CERTIFIED FUNDS ONLY PAYABLE TO "CECIL G. MOORE, 23020433 TRUSTEE", balance to be paid within fifteen days from the date of sale. ABSOLUTELY NO PERSONAL CHECKS ACCEPTED AS BIDDER'S DEPOSIT. Real estate taxes will BWW# 101735 adjusted to the date of sale. All cost of conveyance, TRUSTEE'S SALE OF 18 Freda be deed, examination of title, recording charges and the Court, Hampton, VA 23666. In grantor's tax will be at the cost of the purchaser. All risks execution of a certain deed of trust dated May 25, 2007, of casualty pass to the successful bidder. THIS IS A in the original principal amount of $156,960.00 recorded COMMUNICATION FROM A DEBT COLLECTOR AND in the Clerk's Office, Circuit Court for Hampton City, ANY INFORMATION OBTAINED WILL BE USED FOR Virginia, in Instrument No. 070015297, default having THAT PURPOSE. occurred in the payment of the Note thereby secured and DATED: April 24, 2012 at the request of the holder, the undersigned Substitute CECIL G. MOORE, and JO ANN HUTCHINSON, Substitute Trustee will offer for sale at public auction in the front of Trustee(s) the Circuit Court building for the City of Hampton, 101 12 091BF (74.40) Kings Way Mall, Hampton, Virginia, on May 29, For Information Contact Trustees At: 2012, at 12:06 PM, the property described in 710 Denbigh Boulevard, Ste. 6C, Newport News, Virginia said deed of trust, located at the above address, and more 23608 particularly described as follows: ALL THAT CERTAIN LOT, (757) 877-0255 between 9:00 - 10:30 a.m. only PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND Publish on: May 7 & 14, 2012 23019894 IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, VIRGINIA KNOWN AND TRUSTEE SALE DESIGNATED AS LOT NUMBERED ELEVEN (11), AS SHOWN ON THAT CERTAIN PLAT ENTITLED "MORRIS MANOR, 3 St Ashley Pl, SECTION TWO, HAMPTON, VIRGINIA", DATED APRIL 20, Hampton, VA 23669-1678 1963, MADE BY R.F. PYLE, C.L.S., WHICH SAID PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF HAMPTON, VIRGINIA, IN MAP In execution of a Deed of Trust in the original dated BOOK 5, AT PAGE 13. TERMS OF SALE: ALL CASH. A principal amount of $249,986.00, bidder's deposit of ten percent (10%) of the sale price or January 16, 2009 recorded in the Clerk's Office of the Circuit Court of the City Of ten percent (10%) of the original principal balance of the Hampton, Virginia, in Instrument subject deed of trust, whichever is lower, in the form of 090000668, at page 0047, default having cash or certified funds payable to the Substitute Trustee occurred in the payment of the Note thereby must be present at the time of the sale. The balance of secured and at the request of the holder of the purchase price will be due within fifteen (15) days of said Note, the under-signed Substitute Trustee sale, otherwise Purchaser's deposit may be forfeited to will offer for sale at public auction at the Trustee. Time is of the essence. Sale is subject to post entrance to the Circuit Court Building sale confirmation that the borrower did not file for of the City of Hampton, 101 Kings protection under the U.S. Bankruptcy Code prior to the sale, as well as to post-sale confirmation and audit of the Way, Hampton, Virginia, on May status of the loan with the loan servicer including, but not 16, 2012 at 9:30 o'clock am the limited to, determination of whether the borrower entered property described in said deed, located at the into any repayment agreement, reinstated or paid off the above address and briefly described as: loan prior to the sale. In any such event, the sale shall be Lot 3, Ashley Acres, recorded in Plat Book 9, Page 37, with improvements thereon. 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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229 (703) 548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23019762

TRUSTEE'S SALE OF REAL ESTATE located at 26 Bonaire Drive, Hampton, Virginia In execution of the Deed of Trust from LAWRENCE CUNDIFF dated October 30, 2009, in the Original Principal Amount of $181,649.00, and recorded in Deed Book Inst. 090018003, Page 238, in the Clerk's Office of the Circuit Court for the City of Hampton, Virginia, default having occurred in the payment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustees, any one of whom may act, will sell at public auction at the Front Entrance of the Circuit Court for the City of Hampton on May 22, 2012, at 12:30 p.m., the property described as Lot 13, Bonaire, City of Hampton, Virginia, known as 26 Bonaire Drive, Hampton, Virginia. Tax ID: 11001286 TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 17,000.00 or 10% of the successful bid amount (whichever is lower) will be required immediately of the successful bidder, IN CASH, CASHIER'S CHECK OR CERTIFIED FUNDS ONLY PAYABLE TO "CECIL G. MOORE, TRUSTEE", balance to be paid within fifteen days from the date of sale. ABSOLUTELY NO PERSONAL CHECKS ACCEPTED AS BIDDER'S DEPOSIT. Real estate taxes will be adjusted to the date of sale. All cost of conveyance, deed, examination of title, recording charges and the grantor's tax will be at the cost of the purchaser. All risks of casualty pass to the successful bidder. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: April 24, 2012 CECIL G. MOORE, and JO ANN HUTCHINSON, Substitute Trustee(s) 12 057BF (74.13) For Information Contact Trustees At: 710 Denbigh Boulevard, Ste. 6C, Newport News, Virginia 23608 (757) 877-0255 between 9:00 - 10:30 a.m. only Publish on: May 7 & 14, 2012 23019026

TRUSTEE'S SALE OF REAL ESTATE located at 8406 Kennedy Drive, Hampton, Virginia In execution of the Deed of Trust from CLINTON LEE GRISHAW, JR. and KATE L. VAUGHN, dated July 25, 2008, in the Original Principal Amount of $165,648.00, and recorded in Deed Book Inst. 080014020, Page 178, in the Clerk's Office of the Circuit Court for the City of Hampton, Virginia, default having occurred in the payment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustees, any one of whom may act, will sell at public auction at the Front Entrance of the Circuit Court for the City of Hampton on May 22, 2012, at 12:35 p.m., the property described as Lot 19, Block Letter "H", Section Eighteen, Newmarket, City of

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005340-12/VA) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m.or visit our website at www.siwpc.net 23012294

TRUSTEE SALE 42 Hampshire Drive, Hampton, VA 23669-2130 In execution of a Deed of Trust in the original principal amount of $300,400.00, dated July 20, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 070019472, at page 0388, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 16, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Parcel D, Whitehouse Preston Tract, recorded in Instrument 040033401, with improvements thereon.

whether the borrower entered into any Purchaser's deposit may be forfeited to repayment agreement, reinstated or paid off Trustee. Time is of the essence. Sale is subject the loan prior to the sale. In any such event, to post sale confirmation that the borrower did the sale shall be null and void, and the not file for protection under the U.S. Purchaser’s sole remedy, in law or equity, shall Bankruptcy Code prior to the sale, as well as be the return of his deposit without interest. to post-sale confirmation and audit of the Additional terms may be announced at the status of the loan with the loan servicer time Pursuant to the Federal Fair Debt MAY including, but not limited to, determination of » MONDAY, INSIDE BUSINESS 7, 2012 72of»sale. Collection Practices Act, we advise you that whether the borrower entered into any this firm is a debt collector attempting to repayment agreement, reinstated or paid off collect the indebtedness referred to herein and the loan prior to the sale. In any such event, any information we obtain will be used for that the sale shall be null and void, and the Purchaser's sole remedy, in law or equity, shall purpose. be the return of his deposit without interest . SAMUEL I. WHITE, P.C., Substitute Trustee Additional terms to be announced at the sale. A form copy of the Trustee's memorandum of foreclosure sale and contract to purchase real This is a communication from a debt collector. property is available for viewing at FOR INFORMATION CONTACT: www.bwwsales.com. This is a communication SAMUEL I. WHITE, P.C. (40-006180-12/CONV) from a debt collector and any information 5040 Corporate Woods Drive, Suite 120 obtained will be used for that purpose. The Virginia Beach, Virginia 23462 sale is subject to seller confirmation. 757-457-1460 - Call Between 9:00 a.m. and 11:30 Substitute Trustee: Equity Trustees, LLC, 8100 a.m.or visit our website at www.siwpc.net Three Chopt Rd., Suite 240, Richmond, VA 23012203 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) website: www.bwwsales.com. TRUSTEE'S SALE OF 41 961-6555, BWW# 144701 A-4236965 04/30/2012, Hampshire Glen Parkway, 05/07/2012 23010910 Hampton, VA 23669. In execution of a certain deed of trust dated April 07, 2011, in the original principal amount of $327,500.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 110004466, default having occurred in the SALE OF 3810 payment of the Note thereby secured and at TRUSTEE'S the request of the holder, the undersigned Kecoughtan Road, Hampton, Substitute Trustee will offer for sale at public VA 23669. In execution of a certain deed auction in the front of the Circuit Court of trust dated March 15, 2005, in the original building for the City of Hampton, 101 Kings principal amount of $117,472.00 recorded in Way Mall, Hampton, Virginia, on May 14, the Clerk's Office, Circuit Court for Hampton 2012, at 12:07 PM, the property City, Virginia, in Instrument No. 050006363, described in said deed of trust, located at the default having occurred in the payment of the above address, and more particularly Note thereby secured and at the request of the described as follows: ALL THAT CERTAIN LOT, holder, the undersigned Substitute Trustee will PIECE OR PARCEL OF LAND, WITH ALL THE offer for sale at public auction in the front of IMPROVEMENTS THEREON, LYING AND BEING the Circuit Court building for the City of IN THE CITY OF HAMPTON, VIRGINIA, KNOWN Hampton, 101 Kings Way Mall, Hampton, AND DESIGNATED AS LOT 57, SECTION ONE Virginia, on May 21, 2012, at 12:07 (1) OF HAMPSHIRE GLEN SUBDIVISION AS PM, the property described in said deed of SHOWN ON THE PALT ENTITLED, "HAMPSHIRE trust, located at the above address, and more GLEN, SECTION ONE", MADE BY COENEN & particularly described as follows: ALL THAT ASSOCIATES, INC., WHICH PLAT IS RECORDED CERTAIN LOT, PIECE OR PARCEL OF LAND IN THE CLERK'S OFFICE OF THE CIRCUIT SITUATE. LYING AND BEING IN THE CITY OF COURT OF THE CITY OF HAMPTON, VIRGINIA, HAMPTON, VIRGINIA, KNOWN AND IN PLAT BOOK 12, PAGES 107 TO 110, AND DESIGNATED AS LOT NUMBERED SEVENTEEN TO WHICH REFERENCE IS HEREBY MADE FOR (17), AS SHOWN ON THAT CERTAIN PLAT A MORE PARTICULAR DESCRIPTION OF THE ENTITLED, "SUSSEX-AT-HAMPTON, BLOCK B, PROPERTY..TERMS OF SALE: ALL CASH. A REVISED, CITY OF HAMPTON, VIRGINIA", MADE bidder's deposit of ten percent (10%) of the BY C.K. TUDOR, ENGINEERS, INC., NEWPORT sale price or ten percent (10%) of the original NEWS, VIRGINIA, DATED JULY 17, 1890, AND principal balance of the subject deed of trust, RECORDED IN THE CLERK'S OFFICE OF THE whichever is lower, in the form of cash or CIRCUIT COURT FOR THE CITY OF HAMPTON, certified funds payable to the Substitute VIRGINIA, IN PLAT BOOK 7, AT PAGE 76, TO Trustee must be present at the time of the WHICH PLAT REFERENCE IS HERE sale. The balance of the purchase price will be MADE..TERMS OF SALE: ALL CASH. A bidder's due within fifteen (15) days of sale, otherwise deposit of ten percent (10%) of the sale price Purchaser's deposit may be forfeited to or ten percent (10%) of the original principal Trustee. Time is of the essence. Sale is subject balance of the subject deed of trust, whichever to post sale confirmation that the borrower did is lower, in the form of cash or certified funds not file for protection under the U.S. payable to the Substitute Trustee must be Bankruptcy Code prior to the sale, as well as present at the time of the sale. The balance of to post-sale confirmation and audit of the the purchase price will be due within fifteen status of the loan with the loan servicer (15) days of sale, otherwise Purchaser's including, but not limited to, determination of deposit may be forfeited to Trustee. Time is of whether the borrower entered into any the essence. Sale is subject to post sale repayment agreement, reinstated or paid off confirmation that the borrower did not file for the loan prior to the sale. In any such event, protection under the U.S. Bankruptcy Code the sale shall be null and void, and the prior to the sale, as well as to post-sale Purchaser's sole remedy, in law or equity, shall confirmation and audit of the status of the be the return of his deposit without interest . loan with the loan servicer including, but not Additional terms to be announced at the sale. limited to, determination of whether the A form copy of the Trustee's memorandum of borrower entered into any repayment foreclosure sale and contract to purchase real agreement, reinstated or paid off the loan property is available for viewing at prior to the sale. In any such event, the sale www.bwwsales.com. This is a communication shall be null and void, and the Purchaser's sole from a debt collector and any information remedy, in law or equity, shall be the return of obtained will be used for that purpose. The his deposit without interest . Additional terms sale is subject to seller confirmation. to be announced at the sale. A form copy of Substitute Trustee: Equity Trustees, LLC, 8100 the Trustee's memorandum of foreclosure sale Three Chopt Rd., Suite 240, Richmond, VA and contract to purchase real property is 23229, (703)548-4600. For information available for viewing at www.bwwsales.com. contact: BWW Law Group, LLC, attorneys for This is a communication from a debt collector Equity Trustees, LLC, 4520 East West Highway, and any information obtained will be used for Suite 200, Bethesda, MD 20814, (301) that purpose. The sale is subject to seller 961-6555, website: www.bwwsales.com. confirmation. Substitute Trustee: Equity BWW# 144924 A-4236962 04/30/2012, Trustees, LLC, 8100 Three Chopt Rd., Suite 05/07/2012 23010933 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: BWW# 144029 TRUSTEE'S SALE OF 604 www.bwwsales.com. A-4236968 04/30/2012, 05/07/2012 Newport News Avenue, 23010577 Hampton, VA 23669. In execution of a certain deed of trust dated February 22, 2008, in the original principal amount of $182,953.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in TRUSTEE'S SALE OF 146 Clyde Instrument No. 080004690, default having Street, Hampton, VA 23669. In occurred in the payment of the Note thereby execution of a certain deed of trust dated secured and at the request of the holder, the December 23, 2008, in the original principal undersigned Substitute Trustee will offer for amount of $166,098.00 recorded in the sale at public auction in the front of the Circuit Clerk's Office, Circuit Court for Hampton City, Court building for the City of Hampton, 101 Virginia, in Instrument No. 080021727, default Kings Way Mall, Hampton, Virginia, on May having occurred in the payment of the Note thereby secured and at the request of the 14, 2012, at 12:06 PM, the property holder, the undersigned Substitute Trustee will described in said deed of trust, located at the offer for sale at public auction in the front of above address, and more particularly the Circuit Court building for the City of described as follows: ALL THAT CERTAIN LOT Hampton, 101 Kings Way Mall, Hampton, ,PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, Virginia, on May 14, 2012, at 12:05 VIRGINIA, KNOWN AND DESIGNATED AS THE PM, the property described in said deed of EASTERLY TEN (10) FEET FROM FRONT TO trust, located at the above address, and more REAR OF LOT NUMBERED ONE HUNDRED particularly described as follows: THAT SIXTY-SEVEN-A (167-A), AND ALL OF LOT CERTAIN LOT, PIECE OR PARCEL OF LAND, NUMBERED ONE HUNDRED SIXT-EIGHT-A WITH THE IMPROVEMENTS THEREON AND (168-A), ALSO SHOWN ON THAT CERTAIN PLAT APPURTENANCES THEREUNTO BELONGING, ENTITLED, "WESTHAMPTON, SECTION D", SITUATE, AND BEING IN THE CITY OF DATED JANUARY 20, 1950, MADE BY GIRARD HAMPTON, VIRGINIA, AND BEING DESIGNTED CHAMBERS, JR., SURVEYOR, AND RECORDED AS LOT TWO (2), IN BLOCK H, AS SHOWN ON A PLAT ENTITLED, IN PLAT BOOK 2, PAGE 62, IN THE CLERK'S CERTAIN OFFICE OF THE CIRCUIT COURT OF CITY OF "SUSSEX-AT-HAMPTON", WHICH SAID PLAT IS HAMPTON, VIRGINIA..TERMS OF SALE: ALL RECORDED IN THE CLERK'S OFFICE OF THE CASH. A bidder's deposit of ten percent (10%) CIRCUIT COURT OF THE CITY OF HAMPTON, of the sale price or ten percent (10%) of the VIRGINIA, IN PLAT BOOK 2, PAGE 12..TERMS original principal balance of the subject deed OF SALE: ALL CASH. A bidder's deposit of ten of trust, whichever is lower, in the form of cash percent (10%) of the sale price or ten percent or certified funds payable to the Substitute (10%) of the original principal balance of the Trustee must be present at the time of the subject deed of trust, whichever is lower, in the sale. The balance of the purchase price will be form of cash or certified funds payable to the due within fifteen (15) days of sale, otherwise Substitute Trustee must be present at the time Purchaser's deposit may be forfeited to of the sale. The balance of the purchase price Trustee. Time is of the essence. Sale is subject will be due within fifteen (15) days of sale, to post sale confirmation that the borrower did otherwise Purchaser's deposit may be forfeited not file for protection under the U.S. to Trustee. Time is of the essence. Sale is Bankruptcy Code prior to the sale, as well as subject to post sale confirmation that the to post-sale confirmation and audit of the borrower did not file for protection under the status of the loan with the loan servicer U.S. Bankruptcy Code prior to the sale, as well including, but not limited to, determination of as to post-sale confirmation and audit of the whether the borrower entered into any status of the loan with the loan servicer repayment agreement, reinstated or paid off including, but not limited to, determination of the loan prior to the sale. In any such event, whether the borrower entered into any the sale shall be null and void, and the repayment agreement, reinstated or paid off Purchaser's sole remedy, in law or equity, shall the loan prior to the sale. In any such event, be the return of his deposit without interest . the sale shall be null and void, and the

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143551 A-4236967 04/30/2012, 05/07/2012 23010555

TRUSTEE'S SALE OF 258 Woodland Road, Hampton, VA 23669. In execution of a certain deed of

trust dated February 29, 2008, in the original principal amount of $123,322.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 08005061A, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on May 29, 2012, at 12:05 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, (FORMERLY BOROUGH OF CHESAPEAKE, CITY OF HAMPTON), VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED THIRTY-FIVE (35), IN BLOCK LETTERED "E", AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "AMENDED AND CORRECTED PLAT OF WASHINGTON GARDEN, SECTION FIVE, CITY OF HAMPTON, VIRGINIA:, MADE BY JOHN W. LAWSON, CERTIFIED LAND SURVEYOR, DATED APRIL 5, 1955, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF HAMPTON, VIRGINIA, IN PLAT BOOK 3, PAGE 188, TO WHICH REFERENCE IS HERE MADE.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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 145738 A-4236970 04/30/2012, 05/07/2012 23010537

TRUSTEE SALE 107 Horseshoe Landing Hampton, VA. 23669

In execution of a Deed of Trust from Stanley B. Washington and Thelma L. Washington dated February 8, 2007 and recorded in the Clerk's Office, Circuit Court, City of Hampton, Virginia, as instrument number 070005132, securing a loan which was originally $208,000.00. Default having occurred in the payment of the Note thereby secured, and at the request of the holder of said Note, the undersigned Substitute Trustees will offer for sale at public auction at the City of Hampton Circuit Courthouse, 101 Kings Way Street, the main entrance, Hampton Virginia on May 18, 2012 at 2:00 PM, the property described in said Deed of Trust, located at the above address and briefly described as: Lot 11, Block E, Section 1, Willow Oaks. Tax ID/PIN: 08M001 01 E 011 The property will be conveyed by Special Warranty Deed, subject to all existing easements, restrictions and any other conditions that may affect title to the property. The Noteholder reserves the right to bid at the said sale. TERMS: CASH: A bidder's deposit of $10,000.00, cash or certified check, will be required at the time of sale with the settlement and full payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: CONV VT1225857 FOR INFORMATION CONTACT: Between 8 - 11 AM Nectar Projects, Inc. - Substitute Trustees P.O. Box 2848 Purcellville VA 20134 (540) 751-1260 A-4237047 05/07/2012, 05/14/2012 23010480

AND further described in the above Deed of Trust. (Tax Map No. 12006485) THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TRUSTEE'S SALE OF 66 LUCINDA COURT Hampton Virginia Pursuant to the terms of a deed of trust dated December 28, 2005, in the original principal amount of $103,600.00, recorded in the Clerk's Office, Circuit Court for the City of Hampton, Virginia, as Instrument Number 060000462 at page 423, the property briefly described below will be offered for sale at public auction. Lot 49, Margruder Commons, Section 3, as the same is duly dedicated platted, and recorded, in Plat Book 9 at page 26, among the land records for the City of Hampton, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property"). The sale will take place on May 15, 2012, at 10:00 a.m. at the main entrance, to the building housing the Circuit Court for the City of Hampton, Virginia. Terms: A deposit in the form of certified funds in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804)288-0088 Ref#231725 Ad dates: April 30, 2012 May 7, 2012 23009212

TRUSTEE SALE 2833 Rosalee Drive Hampton, VA. 23661 In execution of a Deed of Trust from Latoya L. Fenner dated June 27, 2008 and recorded in the Clerk's Office, Circuit Court, City of Hampton, Virginia, as instrument number 080012271, securing a loan which was originally $116,471.00. Default having occurred in the payment of the Note thereby secured, and at the request of the holder of said Note, the undersigned Substitute Trustees will offer for sale at public auction at the City of Hampton Circuit Courthouse, 101 Kings Way Street, the main entrance, Hampton Virginia on May 18, 2012 at 2:00 PM, the property described in said Deed of Trust, located at the above address and briefly described as: Lot numbered 94 as shown on that certain plat entitled, Section 20-A-45, Rosalee Gardens, Wythe District, Eliz. Tax ID/PIN: 1002113 The property will be conveyed by Special Warranty Deed, subject to all existing easements, restrictions and any other conditions that may affect title to the property. The Noteholder reserves the right to bid at the said sale. TERMS: CASH: A bidder's deposit of $10,000.00, cash or certified check, will be required at the time of sale with the settlement and full payment of the purchase price within (15) fifteen days from the date of the sale. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustee a memorandum or contract of the sale at the conclusion of bidding. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Loan Type: FHA VT1022589 FOR INFORMATION CONTACT: Between 8 - 11 AM Nectar Projects, Inc. - Substitute Trustees P.O. Box 2848 Purcellville VA 20134 (540) 751-1260

23008224

TRUSTEE'S SALE OF 712 GROVE STREET, HAMPTON, VA 23664 In execution of a Deed of Trust in the original principal amount of $100,000.00, with an annual interest rate of 6.3750% from Linda Emery a/k/a Linda Diane Emery dated November 9, 2006, recorded among the land records of the Circuit Court for the City Of Hampton as Deed Book/Instrument Number 060029607, the undersigned appointed Substitute Trustee will offer for sale at public auction in the City Of Hampton, at the Circuit Court building for the City of Hampton on the Kings Way Side, on the porch with the columns, located at 101 Kings Way, Hampton, Virginia on May 22, 2012 at 9:30 AM, the property with improvements to wit: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, TOGETHER WITH THE BUILDINGS AND IMPROVEMENTS THEREON, SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED TWENTY-SIX (26), AS SHOWN ON THAT CERTAIN PLAT ENTITLED,"LOCHAVEN PLACE", DATED JULY 17, 1947, AND MADE BY J. B. SINCLAIR, JR., CIVIL ENGINEER, AND DULY OF RECORD IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF HAMPTON, VIRGINIA, IN PLAT BOOK 2, AT PAGE 30, TO WHICH REFERENCE IS HERE MADE. AND further described in the above Deed of Trust. (Tax Map No. 12006485) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $10,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-177948D.

TERMS OF SALE: ALL CASH. A bidder's deposit of $10,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-177948D. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23008095

TRUSTEE'S SALE OF 411 ROANE DRIVE, HAMPTON, VA 23669 In execution of a Deed of Trust in the original principal amount of $103,500.00, with an annual interest rate of 7.6000% from HOWARD IRVIN KELLY JR aka HOWARD I. KELLY, JR. dated December 23, 2005, recorded among the land records of the Circuit Court for the CITY OF HAMPTON as Deed Book/Instrument Number 050035351, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF HAMPTON, at the Circuit Court building for the City of Hampton on the Kings Way Side, on the porch with the columns, located at 101 Kings Way, Hampton, Virginia on May 22, 2012 at 9:30 AM, the property with improvements to wit: LOT 29, FAIRVIEW FARMS, AS THE SAME IS DULY DEDICATED, PLATTED AND RECORDED IN PLAT BOOK 3, AT PAGE 100 AMONG THE LAND RECORDS OF THE CITY OF HAMPTON, VIRGINIA. AND further described in the above Deed of Trust. (Tax Map No. 8002117) THIS COMMUNICATION IS FROM A DEBT COLLECTOR. TERMS OF SALE: ALL CASH. A bidder's deposit of $10,300.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: Conventional. Trustee's File No. 10-205534V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia Beach, Virginia 23462 (757) 687-8777. 23007951

TRUSTEE SALE 221 W Gilbert St, Hampton, VA 23669-2521 In execution of a Deed of Trust in the original principal amount of $280,000.00, dated July 28, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 060019594, at page 706, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 9, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 11, Sinclair Commons, improvements thereon.

Parcel

with

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-014210-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m.or visit our website at www.siwpc.net 23007649

TRUSTEE SALE 1410 Brackin Ct, Hampton, VA 23663-1913 In execution of a Deed of Trust in the original principal amount of $139,000.00, dated April 3, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Hampton, Virginia, in Instrument 060008433, at page 0805, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Circuit Court Building of the City of Hampton, 101 Kings Way, Hampton, Virginia, on May 9, 2012 at 9:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 11, Brackin Court, recorded in Plat Book 5, Page 27, with improvements thereon. TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-006943-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23007394

TRUSTEE'S SALE OF 111 Roland Drive, Hampton, VA 23669. In execution of a certain deed of trust dated

February 09, 2009, in the original principal amount of $131,461.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 090002318, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on June 04, 2012, at 12:05 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED FOURTEEN (14), IN BLOCK LETTERED "D", AS SHOWN ON THAT CERTAIN PLAT ENTITLED "WESTOVER, SECTION 2", MADE BY GIRARD CHAMBERS AND SON, DATED JANUARY 10, 1950, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF HAMPTON, VIRGINIA IN PLATBOOK 2 PAGE 66, TO WHICH REFERENCE IS HERE MADE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 133052 A-4235238 04/30/2012, 05/07/2012 23005085

TRUSTEE'S SALE OF 1529 Peabody Drive, Hampton, VA 23666. In execution of a certain deed of trust dated

March 19, 2010, in the original principal amount of $178,750.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 100004060, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on May 21, 2012, at 12:05 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, SITUATE, LYING AND BEING IN THE CITY OF HAMPTON, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED FIFTY-EIGHT (58) IN BLOCK LETTERED "E", AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "MAGRUDER HEIGHTS SECTION THREE-C, CITY OF HAMPTON, VIRGINIA", MADE BY SAVAGE & ASSOCIATES, SURVEYORS AND PLANNERS, DATED NOVEMBER 12, 1984, AND RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF HAMPTON, VIRGINIA, IN PLAT BOOK 8, PAGE 56, TO WHICH REFERENCE IS HERE MADE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 134667 A-4235236 04/30/2012, 05/07/2012 23005056

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 134667 A-4235236 04/30/2012, 05/07/2012 23005056

TRUSTEE'S SALE OF 33 Stratum Way, Hampton, VA 23661 . In execution of a certain deed of trust dated

September 17, 2010, in the original principal amount of $189,900.00 recorded in the Clerk's Office, Circuit Court for Hampton City, Virginia, in Instrument No. 100011870, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Hampton, 101 Kings Way Mall, Hampton, Virginia, on May 21, 2012, at 12:06 PM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN CONDOMINIUM UNIT LOCATED IN THE CITY OF HAMPTON, VIRGINIA, DESIGNATED AS UNIT 33, FIELDSTONE GLEN AT ABERDEEN, A CONDOMINIUM, TOGETHER WITH AN UNDIVIDED FRACTIONAL INTEREST IN CERTAIN COMMON ELEMENTS APPURTENANT TO SAID UNIT, ALL AS MORE PARTICULARLY DESCRIBED, DESIGNATED AND SHOWN IN THAT CERTAIN DECLARATION OF CONDOMINIUM ESTABLISHING A CONDOMINIUM KNOWN AS "FIELDSTONE GLEN AT ABERDEEN, A CONDOMINIUM", DATED APRIL 10, 2009, AND RECORDED IN THE OFFICE OF THE CLERKS OF THE CIRCUIT COURT OF THE CITY OF HAMPTON, VIRGINIA, AS INSTRUMENT NO. 090005973. A DESCRIPTION OF THE UNIT, THE COMMON ELEMENTS AND THE FRACTIONAL INTEREST, WHICH WILL CHANGE FROM TIME TO TIME DEPENDING UPON THE NUMBER OF UNITS CREATED, CAN BE DETERMINED BY REFERENCE TO SAID DECLARATION AND TO PLATS AND PLANS RECORDED IN SAID CLERK'S OFFICE AS INSTRUMENT NUMBER 090005972..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 141295 A-4235233 04/30/2012, 05/07/2012 23005037

NEWPORT NEWS TRUSTEE SALE 703 Woodnote Ln, Newport News, VA 23608-0903 In execution of a Deed of Trust in the original principal amount of $235,000.00, dated March 15, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Deed Book 2117, at page 2099, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 23, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 29, FAWN LAKE, improvements thereon.

SECTION

1B,

with

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-006084-12/VA) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024305

AND further described in the above Deed of Trust.

TRUSTEE SALE 853 Yorkshire Lane, Newport News,VA 23608-9327 In execution of a Deed of Trust in the original principal amount of $228,000.00, dated November 29, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Deed Book 2200, at page 0331, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 23, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 132, Colony Pines, improvements thereon.

Section

7-C,

with

TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (5011-08/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23024105

Trustee's Sale 885 Cascade Drive, Newport News, Virginia 23608 (Tax ID No. 096000440) Default having been made in the terms of a certain Deed of Trust dated August 15, 2008, in the original principal amount of $207,562.00 and recorded in the Clerk's Office of the Circuit Court of the City of Newport News, Virginia as Instrument No. 080017709, the undersigned Substitute Trustees will sell at public auction on May 24, 2012, at 10:00 a.m., in front of the building housing the Newport News Circuit Court, 2500 Washington Avenue, at the South Entrance thereof, Newport News, VA, the property designated as Lot 235, as shown on that certain plat entitled, “Beechwood, Section Six,” dated February 14, 1963, recorded July 19, 1963, in the aforesaid Clerk’s Office in Plat Book 6, Page 66. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $20,500.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com , outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 97615, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 23021714

TRUSTEE'S SALE OF 10 LOIS LANE, NEWPORT NEWS, VA 23608 In execution of a Deed of Trust in the original principal amount of $162,599.00, with an annual interest rate of 5.0000% from MICHAEL R. NIELSEN AND SARAH E. NIELSEN dated February 19, 2010, recorded among the land records of the Circuit Court for the CITY OF NEWPORT NEWS as Deed Book/Instrument Number 100002872, the undersigned appointed Substitute Trustee will offer for sale at public auction in the CITY OF NEWPORT NEWS, at the front of the southern entrance of the Circuit Court building for the City of Newport News located at 2500 Washington Avenue, Newport News, Virginia on June 6, 2012 at 10:30 AM, the property with improvements to wit: LOT EIGHTEEN (18) IN BLOCK NUMBERED FIVE (5), AS SHOWN ON A CERTAIN PLAT ENTITLED, "STONEYBROOK ESTATES, SECTION ONE, WARWICK, VIRGINIA", RECORDED JANUARY 2, 1957 IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NEWPORT NEWS (FORMERLY CITY OF WARWICK), VIRGINIA, IN PLAT BOOK 4, PAGES 37 & 38. AND further described in the above Deed of Trust. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Newport News Circuit Court located on 2500 Washington Avenue, TERMS OF SALE: ALL CASH. A bidder's deposit of Newport News, Virginia, on May 16, 2012 at $15,000.00 or 10% of the sale price, whichever is 10:30 o'clock am the property described in deed, located at the BUSINESS above address and briefly lower, will be required in cash, certified or cashier's » INSIDE » 73 MONDAY, MAYsaid 7, 2012 check. Settlement within fifteen (15) days of sale, described as: Lot 15, Section 3, Robinson Terrace, otherwise Trustees may forfeit deposit. Additional terms with improvements thereon. to be announced at sale. Loan type: VA. Trustee's File No. 11-223005V. TERMS OF SALE: CASH: A deposit of $15,000.00, or PROFESSIONAL FORECLOSURE CORPORATION OF 10% of the sales price, whichever is lower, cash or VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN & certified check, will be required at the time of sale with ALT, LLP, 236 Clearfield Avenue, Suite 215, Virginia settlement within fifteen (15) days from the date of sale. Beach, Virginia 23462 (757) 687-8777. Sale is subject to post sale confirmation that the borrower 23021618 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 TRUSTEE SALE entered into any repayment agreement, 14248 Old Courthouse Way, borrower reinstated or paid off the loan prior to the sale. In any Newport News,VA 23602-3725 such event, the sale shall be null and void, and the Purchaser’s sole remedy, in law or equity, shall be the In execution of a Deed of Trust in the original principal return of his deposit without interest. Additional terms amount of $123,500.00, dated March 9, 2007 recorded may be announced at the time of sale. Pursuant to the in the Clerk's Office of the Circuit Court of the City Of Federal Fair Debt Collection Practices Act, we advise you Newport News, Virginia, in Instrument 070007112, that this firm is a debt collector attempting to collect the default having occurred in the payment of the Note indebtedness referred to herein and any information we thereby secured and at the request of the holder of said obtain will be used for that purpose. Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Newport News SAMUEL I. WHITE, P.C., Substitute Trustee Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 16, 2012 at This is a communication from a debt collector. 10:30 o'clock am the property described in FOR INFORMATION CONTACT: said deed, located at the above address and briefly SAMUEL I. WHITE, P.C. (01-001742-11/VA) described as: Lot 2, as shown on a certain map dated 5040 Corporate Woods Drive, Suite 120 May 24, 1943 and recorded in Deed Book 98, Page Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 187, with improvements thereon. a.m. or visit our website at www.siwpc.net TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with TRUSTEE'S SALE OF settlement within fifteen (15) days from the date of sale. REAL ESTATE Sale is subject to post sale confirmation that the borrower located at 1310 23rd Street, did not file for protection under the U.S. Bankruptcy Code Newport News, Virginia 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 In execution of the Deed of Trust from MIKOA B. LOGAN borrower entered into any repayment agreement, dated July 2, 2009, in the Original Principal Amount of reinstated or paid off the loan prior to the sale. In any $83,950.00, and recorded in Deed Book Inst. 090013404, such event, the sale shall be null and void, and the in the Clerk's Office of the Circuit Court for the City of Purchaser’s sole remedy, in law or equity, shall be the Newport News, Virginia, default having occurred in the return of his deposit without interest. Additional terms payment of the indebtedness thereby secured and at the may be announced at the time of sale. Pursuant to the request of the holder of the Note, the undersigned, as Federal Fair Debt Collection Practices Act, we advise you Substitute Trustees, any one of whom may act, will sell at that this firm is a debt collector attempting to collect the public auction at the Front Entrance of the Newport News indebtedness referred to herein and any information we Circuit Court adjacent to 25th Street on May 22, obtain will be used for that purpose. 2012, at 1:20 p.m., the property described as Lot 40 and 41, Block "B", Ivyton Addition to Newport SAMUEL I. WHITE, P.C., Substitute Trustee News, together with that certain portion of alleyway vacated by the City of Newport News pursuant to Ordiance This is a communication from a debt collector. 3254-84 recorded in Deed Book 1087, page 1636, City of FOR INFORMATION CONTACT: Newport News, Virginia, known as 1310 23rd Street, SAMUEL I. WHITE, P.C. (40-015196-11/CONV) Newport News, Virginia. Tax ID: 308010105 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT 757-457-1460 - Call Between 9:00 a.m. and 11:30 WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE a.m. or visit our website at www.siwpc.net ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. 23021053 A deposit of $ 8,100.00 or 10% of the successful bid amount (whichever is lower) will be required immediately TRUSTEE SALE of the successful bidder, IN CASH, CASHIER'S CHECK OR CERTIFIED FUNDS ONLY PAYABLE TO "CECIL G. MOORE, 383 Bridgewater Drive, TRUSTEE", balance to be paid within fifteen days from the Newport News,VA 23603-1435 date of sale. ABSOLUTELY NO PERSONAL CHECKS ACCEPTED AS BIDDER'S DEPOSIT. Real estate taxes will In execution of a Deed of Trust in the original principal be adjusted to the date of sale. All cost of conveyance, amount of $135,900.00, dated October 25, 2005 deed, examination of title, recording charges and the recorded in the Clerk's Office of the Circuit Court of the grantor's tax will be at the cost of the purchaser. All risks City Of Newport News, Virginia, in Deed Book 2076, of casualty pass to the successful bidder. THIS IS A at page 1994, default having occurred in the payment of COMMUNICATION FROM A DEBT COLLECTOR AND the Note thereby secured and at the request of the holder ANY INFORMATION OBTAINED WILL BE USED FOR of said Note, the under-signed Substitute Trustee will offer THAT PURPOSE. for sale at public auction at the entrance to the Newport DATED: April 25, 2012 News Circuit Court located on 2500 Washington CECIL G. MOORE, and JO ANN HUTCHINSON, Avenue, Newport News, Virginia, on May 16, Substitute Trustee(s) 2012 at 10:30 o'clock am the property 11 193BF (72.36) described in said deed, located at the above address and For Information Contact Trustees At: 710 Denbigh Boulevard, Ste. 6C, Newport News, Virginia briefly described as: 23608 Unit 5, Building 23, Waters Ridge Condominiums, (757) 877-0255 between 9:00 - 10:30 a.m. only Phase 8; Together with an undivided interest in the Publish on: May 7 & 14, 2012 23018953 common elements. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

TERMS OF SALE: ALL CASH. A bidder's deposit of $15,000.00 or 10% of the sale price, whichever is lower, will be required in cash, certified or cashier's check. Settlement within fifteen (15) days of sale, otherwise Trustees may forfeit deposit. Additional terms to be announced at sale. Loan type: VA. Trustee's File No. 11-223005V. PROFESSIONAL FORECLOSURE CORPORATION OF VIRGINIA, Substitute Trustees, C/O SHAPIRO BROWN &

TERMS OF SALE: CASH: A deposit of $10,000.00 , or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-005589-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23020312

TRUSTEE SALE 670 Harpersville Road, Newport News,VA 23601-1654 In execution of a Deed of Trust in the original principal amount of $150,671.00, dated June 1, 2009 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Instrument 090010575, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 16, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 15, Section 3, Robinson Terrace, with improvements thereon. TERMS OF SALE: CASH: A deposit of $15,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with

TRUSTEE'S SALE OF REAL ESTATE located at 186 Lees Mill Drive, Newport News, Virginia

In execution of the Deed of Trust from JOY S. GADSON dated July 24, 2009, in the Original Principal Amount of $164,858.00, and recorded in Deed Book Inst. 090014662, in the Clerk's Office of the Circuit Court for the City of Newport News, Virginia, default having occurred in the payment of the indebtedness thereby secured and at the request of the holder of the Note, the undersigned, as Substitute Trustees, any one of whom may act, will sell at public auction at the Front Entrance of the Newport News Circuit Court adjacent to 25th Street, on May 22, 2012, at 1:25 p.m., the property described as Unit 336, Cobblestone at Lee's Mill Condominium, City of Newport News, Virginia, known as 186 Lees Mill Drive, Newport News, Virginia. Tax ID: 050000849 TERMS: CASH. PROPERTY SOLD AS IS AND WITHOUT WARRANTY OF TITLE. ADDITIONAL TERMS MAY BE ANNOUNCED AT TIME OF SALE. TIME IS OF THE ESSENCE. A deposit of $ 16,000.00 or 10% of the successful bid amount (whichever is lower) will be required immediately of the successful bidder, IN CASH, CASHIER'S CHECK OR CERTIFIED FUNDS ONLY PAYABLE TO "CECIL G. MOORE, TRUSTEE", balance to be paid within fifteen days from the date of sale. ABSOLUTELY NO PERSONAL CHECKS ACCEPTED AS BIDDER'S DEPOSIT. Real estate taxes will be adjusted to the date of sale. All cost of conveyance, deed, examination of title, recording charges and the grantor's tax will be at the cost of the purchaser. All risks of casualty pass to the successful bidder. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: April 24, 2012 CECIL G. MOORE, and JO ANN HUTCHINSON, Substitute Trustee(s) 12 090BF (74.41) For Information Contact Trustees At: 710 Denbigh Boulevard, Ste. 6C, Newport News, Virginia 23608 (757) 877-0255 between 9:00 - 10:30 a.m. only Publish on: May 7 & 14, 2012 23018921

NOTICE OF SUBSTITUTE TRUSTEES SALE 517 Kerry Lake Drive Newport News, VA, 23602

100001289, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the

Newport

News Circuit Court 2500 Washington Avenue, Newport News, Virginia, on May 16, 2012 at 10:30 o'clock am the property described in said deed,

SUBSTITUTE located » INSIDE OF BUSINESS » MONDAY, MAY 7, 2012on 74 NOTICE TRUSTEES SALE

517 Kerry Lake Drive Newport News, VA, 23602 By virtue of the power and authority contained in a Deed of Trust dated May 10, 2007, and recorded at Instrument Number 070013871 in the Clerk’s Office for the Circuit Court for Newport News City, VA, securing a loan which was originally $239,900.00. The appointed SUBSTITUTE TRUSTEES, Commonwealth Trustees, LLC, will offer for sale at public auction at Main Entrance of the Newport News Courthouse; located at 2500 Washington Avenue on

May 18, 2012 at 12:00 PM improved real property, with an abbreviated legal description of Lot One Hundred Fifty-Four-(154), SHORE PARK, SECTION SIX (6), and as more fully described in the aforesaid Deed of Trust. TERMS OF SALE: The property will be sold “AS IS,” WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND AND SUBJECT TO conditions, restrictions, reservations, easements, rights of way, and all other matters of record taking priority over the Deed of Trust to be announced at the time of sale. A deposit of $27,000.00, or 10% of the sale price, whichever is lower, in cash or cashier’s check payable to the SUBSTITUTE TRUSTEES will be required at the time of sale. The balance of the purchase price, with interest at the rate contained in the Deed of Trust Note from the date of sale to the date said funds are received in the office of the SUBSTITUTE TRUSTEES, will be due within fifteen (15) days of sale. In the event of default by the successful bidder, the entire deposit shall be forfeited and applied to the costs and expenses of sale and Trustee's fee. All other public charges or assessments, including real property taxes, water/sewer charges, ground rent, condo/HOA dues or assessments, whether incurred prior to or after the sale, and all other costs incident to settlement to be paid by the purchaser. In the event taxes, any other public charges or condo/HOA fees have been advanced, a credit will be due to the seller, to be adjusted from the date of sale at the time of settlement. Purchaser agrees to pay the Seller's attorneys at settlement, a fee of $295.00 for review of the settlement documents. Additional terms will be announced at the time of sale and the successful bidder will be required to execute and deliver to the Substitute Trustees a memorandum or contract of the sale at the conclusion of bidding. FOR INFORMATION CONTACT:

23017242

Rosenberg & Associates, LLC (Attorney for Commonwealth Trustees, LLC) 7910 Woodmont Avenue, Suite 750 Bethesda, Maryland 20814 301-907-8000 www.rosenberg-assoc.com

TRUSTEE SALE 300 Advocate Ct Unit C, Newport News, VA 23608- 2815 In execution of a Deed of Trust in the original principal amount of $123,250.00, dated July 10, 2008 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Instrument 080014784, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 16, 2012 at 10:30 o'clock am the property described in said deed, located at the

above address and briefly described as: Lot C, Block 30, Courthouse Green, Section 2, recorded in Plat Book 8, Page 73, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-004010-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012348

TRUSTEE SALE 820 Enos Court, Newport News, VA 23608-1170 In execution of a Deed of Trust in the original principal amount of $117,247.00, dated August 25, 2009 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Instrument 100001289, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Trustee will offer for sale at public auction at the entrance to the

Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 16, 2012 at 10:30 o'clock am the property described in said deed,

located at the above address and briefly described as: Lot 2, Enos Tract No. 1, Plat Book 15,

located at the above address and briefly described as: Lot 2, Enos Tract No. 1, Plat Book 15, page 97, with improvements thereon.

TERMS OF SALE: CASH: A deposit of $10,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (40-008266-12/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23012332

TRUSTEE SALE 715 Spruce Road, Newport News, VA 23601-3518 In execution of a Deed of Trust in the original principal amount of $176,850.00, dated March 16, 2007 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Instrument 070007633, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the

Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 16, 2012 at 10:30 o'clock am the property described in said deed,

located at the above address and briefly described as: Lot 354, BRENTWOOD ESTATES, SECTION D, with improvements thereon.

TRUSTEE'S SALE OF 717 Mainsail Drive, Newport News, VA 23608. In execution of a certain deed

of trust dated August 29, 2006, in the original principal amount of $167,346.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Deed Book 2174 Page 0069, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on May 21, 2012, at 11:09 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED TWO HUNDRED SEVENTEEN (217), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "CLIPPER CREEK, SECTION FIVE, CITY OF NEWPORT NEWS, VIRGINIA", DATED JANUARY 2, 1992, MADE BY COENEN & ASSOCIATES, INC. ENGINEERS-PLANNERS-SURVEYORS, RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF NEWPORT NEWS, VIRGINIA, IN DEED BOOK 1268, PAGE 1284, TO WHICH REFERENCE IS HEREBY MADE..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

MADE BY COENEN & ASSOCIATES, INC. ENGINEERS-PLANNERS-SURVEYORS, RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF NEWPORT NEWS, VIRGINIA, IN DEED BOOK 1268, PAGE 1284, TO WHICH REFERENCE IS HEREBY MADE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 144910 A-4236958 04/30/2012, 05/07/2012 23010965

Terms: A deposit in the form of certified funds in the amount of $10,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804) 288-0088 Ref#232097 Ad dates: April 30, 2012 May 7, 2012 23009269

TRUSTEE'S SALE OF 243 JAMES RIVER DRIVE Newport News Virginia Pursuant to the terms of a deed of trust dated July 20, 2009, in the original principal amount of $328,372.00, recorded in the Clerk's Office, Circuit Court for the City of Newport News, Virginia, as Instrument Number 090014909, the property briefly described below will be offered for sale at public auction. Lot 3, Block K, as shown on that certain map entitled, " Map of Part of Warwick on the James, Fourth Section, in Warwick County Virginia, Property of Warwick Land Company, Inc.," as the same is duly dedicated, platted and recorded in Plat Book 1 at page 152, among the land records for the City of Newport News, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property").

TRUSTEE'S SALE OF 2216 Buckingham Green, Newport The sale will take place on May 15, 2012 at News, VA 23602. In execution of a 11:00 a.m. at the main entrance of the building

certain deed of trust dated July 18, 2003, in the original principal amount of $168,400.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Deed Book 1831 Page 2372, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on May 21, 2012, at 11:11 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, WITH THE BUILDINGS AND IMPROVEMENTS THEREON, LYING, SITUATE AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, AND BEING KNOWN, NUMBERED AND DESIGNATED AS LOT 43, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SOUTHLAKE SUBDIVISION, LOCATED IN NEWPORT NEWS, VIRGINIA", WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NEWPORT NEWS, VIRGINIA, IN DEED BOOK 1160, AT PAGES 4 THROUGH 7. TOGETHER WITH ACCESS OVER THE PRIVATE STREETS BY INSTRUMENT IN DEED BOOK 1160, PAGES 4 THROUGH 7..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 146657 A-4236955 04/30/2012, 05/07/2012 23010921

TRUSTEE'S SALE OF 378 CIRCUIT LANE UNIT A Newport News Virginia Pursuant to the terms of a deed of trust dated May 31, 2007, in the original principal amount of $138,700.00, recorded in the Clerk's Office, Circuit Court for the City of Newport News, Virginia, as Instrument Number 070015480, the property briefly described below will be offered for sale at public auction. Lot A in Block 72, Courthouse Green, Section 4, as the same is duly dedicated, platted and recorded in Plat Book 8 at page 193, among the land records for the City of Newport News, Virginia, as more particularly described in the referenced Deed of Trust, (the "Property").

housing the Circuit Court for the City of Newport News, Virginia.

Terms: A deposit in the form of certified funds in the amount of $30,000.00 or 10% of the successful bid, whichever is lower, is required of any bidder at the time of sale. Closing within fifteen (15) days of sale. Time is of the essence. Additional terms will be announced at sale. Purchaser to pay all closing costs. Sale subject to Seller confirmation. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. F & M Services, L.C., Substitute Trustees FOR INFORMATION CONTACT: Friedman & MacFadyen, P.A., 1601 Rolling Hills Drive, Ste. 125, Richmond, Virginia 23229, Telephone: (804) 288-0088 Ref#232536 Ad dates: April 30, 2012 23009239

May 7, 2012

TRUSTEE SALE 151 Colony Road, Newport News, VA 23602-6646 In execution of a Deed of Trust in the original principal amount of $231,300.00, dated December 15, 2006 recorded in the Clerk's Office of the Circuit Court of the City Of Newport News, Virginia, in Instrument 070000041, default having occurred in the payment of the Note thereby secured and at the request of the holder of said Note, the under-signed Substitute Trustee will offer for sale at public auction at the entrance to the Newport News Circuit Court located on 2500 Washington Avenue, Newport News, Virginia, on May 9, 2012 at 10:30 o'clock am the property described in said deed, located at the above address and briefly described as: Lot 5, Walden, Section One, with improvements thereon. TERMS OF SALE: CASH: A deposit of $20,000.00, or 10% of the sales price, whichever is lower, cash or certified check, will be required at the time of sale with settlement within fifteen (15) days from the date of sale. 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 may be announced at the time of sale. Pursuant to the Federal Fair Debt Collection Practices Act, we advise you that this firm is a debt collector attempting to collect the indebtedness referred to herein and any information we obtain will be used for that purpose. SAMUEL I. WHITE, P.C., Substitute Trustee This is a communication from a debt collector. FOR INFORMATION CONTACT: SAMUEL I. WHITE, P.C. (01-026260-11/CONV) 5040 Corporate Woods Drive, Suite 120 Virginia Beach, Virginia 23462 757-457-1460 - Call Between 9:00 a.m. and 11:30 a.m. or visit our website at www.siwpc.net 23007719

TRUSTEE'S SALE OF 108 Henry Clay Road, Newport News, VA May 22, 2012 at 23601 . In execution of a certain deed of trust dated

The sale will take place on 11:00 a.m. at the main entrance of the building housing the Circuit Court for the City of Newport News, Virginia.

August 29, 2008, in the original principal amount of $156,937.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Instrument No. 080018700, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 11, 2012, at 11:05 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS (FORMERLY WARWICK), VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED FIVE (5) IN BLOCK LETTERED "A" AS SHOWN ON A CERTAIN PLAT

080018700, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 11, 2012, at 11:05 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS (FORMERLY WARWICK), VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED FIVE (5) IN BLOCK LETTERED "A" AS SHOWN ON A CERTAIN PLAT ENTITLED "IVY FARMS, SECTION ONE," WHICH SAID PLAT IS DATED OCTOBER 30, 1956, MADE BY R. F. PYLE, C.L.S., AND DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT, PART TWO, FOR THE CITY OF NEWPORT NEWS, VIRGINIA, IN WARWICK PLAT BOOK 4, PAGE 109, TO WHICH REFERENCE IS HERE MADE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 117558 A-4235240 05/07/2012, 05/14/2012 23006452

TRUSTEE'S SALE OF 1061 Willow Green Drive, Newport News, VA 23602. In execution of a certain

deed of trust dated January 09, 2009, in the original principal amount of $153,935.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Instrument No. 090000706, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 04, 2012, at 11:07 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, KNOWN AND DESCRIBED AS LOT NUMBERED A, IN BLOCK EIGHTEEN (18), SECTION 3, AS SHOWN ON A CERTAIN PLAT ENTITLED, "WILLOW GREEN, SECTION THREE, CITY OF NEWPORT NEWS, VIRGINIA", MADE BY COENEN & ASSOCIATES, ENGINEERS-PLANNERS-SURVEYORS, DATED JUNE 17, 1974, RECORDED AUGUST 2, 1974, IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF NEWPORT NEWS, VIRGINIA, IN PLAT BOOK 9, PAGE 82..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 140982 A-4235200 04/30/2012, 05/07/2012 23004999

TRUSTEE'S SALE OF 508 Ryans Run, Newport News, VA 23608. In execution of a certain deed of trust dated

February 12, 2008, in the original principal amount of $201,832.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Instrument No. 080003175, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 04, 2012, at 11:08 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND, TOGETHER WITH THE BUILDINGS AND IMPROVEMENTS THEREON AND THE APPURTENEANCES THEREUNTO BELONGING, SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, KNOWN AND DESIGNATED AS LOT 12, AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SUBDIVISION PLAT OF WYNNE SUBDIVISION, CITY OF NEWPORT NEWS, VA.", DATED JULY 12, 1994, PREPARED BY DAVIS & ASSOCIATES, AND DULY RECORDED IN THE CLERKS OFFICE OF THE CIRCUIT COURT FOR THE CITY OF NEWPORT NEWS, VIRGINIA, IN DEED BOOK 1384, PAGE 1319, TO WHICH REFERENCE IS HERE MADE FOR A MORE PARTICULAR DESCRIPTION..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

DEED BOOK 1384, PAGE 1319, TO WHICH REFERENCE IS HERE MADE FOR A MORE PARTICULAR DESCRIPTION..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 143474 A-4234919 04/30/2012, 05/07/2012 23004991

TRUSTEE'S SALE OF 842 Shields Road, Newport News, VA 23608. In execution of a certain deed of trust

dated June 30, 2010, in the original principal amount of $215,916.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Instrument No. 100010049 and re-recorded as Instrument No. 110002250, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 04, 2012, at 11:05 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED TWO (2), AS SHOWN ON THAT CERTAIN SURVEY ENTITLED, "PHYSICAL SURVEY OF LOT 2, SECTION 1, REVISED PLAT LINCOLN COMMONS, CITY OF NEWPORT NEWS, VIRGINIA", DATED JUNE 24, 2010 AND MADE BY DRAPER ADEN ASSOCIATES, A COPY OF WHICH IS ATTACHED HERETO AND MADE A PART OF HEREOF FOR A MORE A MORE ACCURATE AND COMPLETE DESCRIPTION..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 123362 A-4234918 04/30/2012, 05/07/2012 23004964 BWW# 138226

TRUSTEE'S SALE OF 74 Shannon Drive, Newport News, VA 23608. In execution of a certain

deed of trust dated August 15, 2005, in the original principal amount of $188,079.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Deed Book 2055 Page 1336, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 11, 2012, at 11:06 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT, PIECE OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED TWENTY-NINE (29), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "WARWICK RIVER ESTATES, SECTION TWO, NEWPORT NEWS, VIRGINIA", MADE BY JOHN W. LAWSON, C.L.S., AND DATED MARCH 8, 1961, A COPY OF WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT FOR THE CITY OF NEWPORT NEWS, VIRGINIA, IN PLAT BOOK 7, PAGE 190, TO WHICH REFERENCE IS HERE MADE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West

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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. 23004847

TRUSTEE'S SALE OF 1203 76th Street, Newport News, VA 23605. In execution of a certain deed of trust dated

October 28, 2008, in the original principal amount of $155,626.00 recorded in the Clerk's Office, Circuit Court for City of Newport News, Virginia, in Instrument No. 080022722, default having occurred in the payment of the Note thereby secured and at the request of the holder, the undersigned Substitute Trustee will offer for sale at public auction in the front of the Circuit Court building for the City of Newport News, 2500 Washington Avenue, Newport News, Virginia, on June 04, 2012, at 11:06 AM, the property described in said deed of trust, located at the above address, and more particularly described as follows: ALL THAT CERTAIN LOT OR PARCEL OF LAND, TOGETHER WITH ALL IMPROVEMENTS THEREON AND APPURTENANCES THERETO ,. ' BELONGING, LYING AND BEING IN THE CITY OF NEWPORT NEWS, VIRGINIA, KNOWN AND DESIGNATED AS LOT NUMBERED . D" THIRTEEN (13), BLOCK NUMBERED FIFTY-TWO (52), AS SHOWN ON THAT CERTAIN PLAT ENTITLED, "SECTION THIRTEEN, ,~ NEWSMAKET VILLAGE" MADE BY W, B, SOURS. CERTIFIED LAND SURVEYOR AND CIVIL ENGINEER, DATED FEBRUARY 5, 1960, I;;(::A COPY OF WHICH PLAT IS DULY RECORDED IN THE CLERK'S OFFICE OF THE CIRCUIT COURT OF THE CITY OF NEWPORT NEWS,' ~ ,VIRGINIA, IN PLAT BOOK 5, PAGE 95, TO WHICH REFERENCE IS HEREBY MADE..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. Substitute Trustee: Equity Trustees, LLC, 8100 Three Chopt Rd., Suite 240, Richmond, VA 23229, (703)548-4600. For information contact: BWW Law Group, LLC, attorneys for Equity Trustees, LLC, 4520 East West Highway, Suite 200, Bethesda, MD 20814, (301) 961-6555, website: www.bwwsales.com. BWW# 133159 A-4234917 04/30/2012, 05/07/2012 23004788

Plaintiff Vs. DONNA ANDREA HODGE DANIELS Defendant Case No. CL12-786 ORDER OF PUBLICATION The object of this suit is for the said plaintiff to obtain a divorce from the bonds of matrimony from the said defendant, upon the grounds of one-year separation. It is ORDERED that DONNA ANDREA HODGE DANIELS appear and protect his interests on or before May 28, 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in Inside Business, a newspaper of general circulation in this City prescribed by this court.

VIRGINIA: IN THE VIRGINIA BEACH CIRCUIT COURT CLERK'S OFFICE

DIVORCE

IN THE VIRGINIA BEACH CIRCUIT COURT CLERK'S OFFICE

Vs. DONNA ANDREA HODGE DANIELS Defendant

It appearing by affidavit that the Defendant's last known address is 1323 Eddy St., Providence, Rhode Island, 02905, the Defendant's present whereabouts are unknown, and diligence has been used by or on behalf of the Plaintiff to ascertain in what county or city the Defendant is without effect, it is ORDERED that the Defendant appear before this Court on or before May 28, 2012, and protect his interests herein. And it is further ORDERED that the above paragraphs be published once a week for four successive weeks in Inside Business, a newspaper of general circulation in the Hampton Roads of Virginia. The Clerk of this Court shall post this Order at the front door of the courthouse, and shall mail a copy of this Order to the defendant at the post office address, if any, given in the affidavit of the plaintiff filed herein. Date: 4/5/12 Tina E. Sinnen, Clerk of the Circuit Court By: Svitlana Mathews,, D. C. 22983667

Case No. 710CL12002439-00 ORDER OF PUBLICATION

The object of this suit is to dissolve the marriage of Edna and Jerry C. Smith and grant final divorce. It is ORDERED that James C. Smith appear at the above-named court and protect his/her interests on or before May 31, 2012. Date: April 10, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22984625

COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, VA 23510 VALERIE ANN LEWIS V.

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF NORFOLK

RICKY ALLEN BOLTON, JR.

ELIZABETH GERALDINE BARRA,

Case No. CL12-2595

Plaintiff

Case No. CL12-1480

ORDER OF PUBLICATION

ORDER OF PUBLICATION The object of this suit is for the said plaintiff to obtain a divorce from the bonds of matrimony from the said defendant, upon the grounds of one-year separation. It is ORDERED that ANDRE D. BUTLER appear and protect his interests on or before M a y 2 8 , 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in Inside Business, a newspaper of general circulation in this City prescribed by this court.

COMMONWEALTH OF VIRGINIA HAMPTON CIRCUIT COURT 101 N. KINGS WAY MALL HAMPTON, VA 23669 HEAVENLY LASETTE SULLIVAN v.

It appearing from an affidavit that the defendant is not a resident of this Commonwealth or that due diligence has been used by or on the behalf of the plaintiff to ascertain in what county or city the defendant is, it is ordered that the defendant appear to protect his interests on or before this court on May 31, 2012 It is ordered that this Order of Publication be published once a week for four successive weeks in the Inside Business. George Schaefer, Clerk of Court By: Toni Duquette, D. C. Received by IB: April 10, 2012

COMMONWEALTH OF VIRGINIA Norfolk Circuit Court STEPHEN V. SHEPHERD v. PAMELA JEAN HARGROVE Case No. CL12-2604 ORDER OF PUBLICATION

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH TIFFANY N. ODOM,

The object of this suit is to obtain a Divorce a Vinculo Matrimonii on the grounds that the parties lived separate & apart for one year. It is ORDERED that PAMELA JEAN HARGROVE appear at the above-named court and protect his/her interests on or before May 31, 2012.

Plaintiff,

Date: April 10, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22984880

V. WILLIAM D. ODOM,

CLIFFORD JAMES SULLIVAN L/K/A 13226 MARGO LANE NEWPORT NEWS, VA 23608

Defendant. CIVIL NO.: CL11-6686

Case No. CL12000406-00 ORDER OF PUBLICATION The object of this suit is to obtain a Divorce a Vinculo Matrimonii on the grounds of parties lived separate & apart for one year. It is ORDERED that CLIFFORD JAMES SULLIVAN appear at the above-named court and protect his interests on or before May 23, 2012. Date: March 28, 2012 LINDA B. SMITH, Clerk By: Karen A. Downing, D. C. 22981426

ORDER OF PUBLICATION The object of this suit is to obtain a Divorce A Vinculo Matrimonii from the Defendant on the grounds that the parties have lived separate and apart for more than one year. It is ORDERED that the Defendant, WILLIAM D. ODOM, appear and protect her interests on or before May 28, 2012, which date is no sooner than 50 days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in INSIDE BUSINESS, a newspaper of general circulation in this City prescribed by this court. Date: April 3, , 2012 Tina E. Sinnen, Clerk By: Svitlana Mathews, Deputy Clerk

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF VIRGINIA BEACH LUCY SALAZAR,

22984812

The object of this suit is to obtain a final decree of divorce A VINCULO MATRIMONII from the defendant on the grounds of separation in excess of one year.

Date: April 3, 2012 Tina E. Sinnen, Clerk By: Svitlana Mathews, Deputy Clerk 22980766

JEFFREY SALAZAR,

By: Toni Duquette, D. C.

ORDER OF PUBLICATION

Plaintiff,

22984497

COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, VA 23510 LOVEY VICK V. WILLIAM LEE VICK III Case No. CL12-2562 ORDER OF PUBLICATION The object of this suit is to obtain divorce. It is ORDERED that WILLIAM VICK III appear at the above-named court and protect his/her interests on or before May 31, 2012. Date: April 10, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

COMMONWEALTH OF VIRGINIA CITY OF NORFOLK CIRCUIT COURT EDNA SMITH

Defendant.

L L O Y D L A W R E N C E G O D F R E Y Case No.: CL12-1826 DANIELS Plaintiff

MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 75

The object of this suit is to obtain a divorce from the bond of matrimony from the Defendant on the ground of having lived separate and apart for a period exceeding one year.

MICHONE WILLIAMS BUTLER v. The object of this suit is to obtain a divorce. Plaintiff It is ORDERED that RICKY ALLEN BOLTON, JR. appear HERNAN AUGUSTINE BARRA, at the above-named court and protect his/her interests on Vs. Defendant or before May 31, 2012. ANDRE D. BUTLER Date: April 10, 2012 Defendant Case No. CL 12-2383 George E. Schaefer, III, Clerk

VIRGINIA:

JAMES C. SMITH

ORDER OF PUBLICATION

Date: April 3, 2012 Tina E. Sinnen, Clerk By: Svitlana Mathews, Deputy Clerk 22980677

Trustee's Sale 726 Tamara Path, Newport News, Virginia 23601 (Tax ID No. 233000457) Default having been made in the terms of a certain Deed of Trust dated July 12, 2001, in the modified principal amount of $100,106.53and recorded in the Clerk's Office of the Circuit Court of the City of Newport News, Virginia in Deed Book 1658, at Page 1973, and as modified by Agreement recorded as Instrument Number 100018488 the undersigned Substitute Trustees will sell at public auction on May 31, 2012, at 10:00 a.m., in front of the building housing the Newport News Circuit Court, 2500 Washington Avenue, Newport News, VA, the property designated as Lot Numbered 19, in Block Lettered "D", as shown on that certain plat entitled "SUBDIVISION OF COURTNEY TRACE, SECTION 5, LOCATED IN NEWPORT NEWS, VIRGINIA," dated August 28, 1990, and recorded in aforesaid Clerk's Office, in Deed Book 1233, page 1153. Sale is subject to all prior liens, easements, restrictions, covenants, and conditions, if any, of record, or other matters which would be disclosed by an accurate survey or inspection of the premises. TERMS: CASH. A deposit of $10,000.00 or 10% of the sale price, whichever is lower, will be required of the successful bidder at time of sale. Prior to the sale, interested bidders will be required to register with and must present a bid deposit which may be held during the sale by the trustee. The bid deposit must be certified funds and/or cash, but no more than $10,000.00 of cash will be accepted. The successful bidder’s deposit will be retained at the sale and applied to the sale price. If held by the trustee, all other bid deposits will be returned to the unsuccessful bidders. Settlement is to be made within 15 days. The successful bidder will be required to execute a Memorandum of Trustee's Sale, available for review on the Foreclosure Sales page of www.glasserlaw.com , outlining additional terms of sale and settlement. A Trustee’s Deed will be prepared by Trustee’s attorney at high bidder’s expense. This is a communication from a debt collector. Glasser and Glasser, P.L.C. and/or Atlantic Trustee Services, L.L.C., Substitute Trustees, Crown Center Building, Suite 600, 580 East Main Street, Norfolk, VA 23510, File No. 82928, Tel: (757) 321-6465, Between 10:00 a.m. & 12:00 noon only. 22996053

L L O Y D L A W R E N C E G O D F R E Y Case No.: CL12-1826 DANIELS

V. JAMES C. SMITH

22984964

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF NORFOLK BOONE, ETHEL, Plaintiff,

ORDER OF PUBLICATION The object of this suit is to obtain a divorce from the bond of matrimony from the Defendant on the ground of having lived separate and apart for a period exceeding one year. It appearing by affidavit that the Defendant's last

Case No. 710CL12002439-00 ORDER OF PUBLICATION The object of this suit is to dissolve the marriage of

v. BURKE, GREGORY ALLEN, Defendant.

PAGE

BOONE, ETHEL, Plaintiff,

BENETIZ BROTHERTON

v. L/K/A SACRAMENTO, CA

COMMONWEALTH OF VIRGINIA Newport News Circuit Court Case No. CL12-2749 2500 Washington Avenue, Newport News, VA 23607 ORDER OF PUBLICATION

Case No. CL12000856-00

MICHAEL SANCHEZ BROADWAY

CHRISTOPHER PAGE 7, 2012 76 » INSIDE BUSINESS » MONDAY, MAY

BURKE, GREGORY ALLEN, Defendant. Civil No. CL12-2707

ORDER OF PUBLICATION

The object of this suit is to obtain a Divorce Decree. It is ORDERED that BENETIZ BROTHERTON appear at the above-named court and protect his/her interests on or before June 8, 2012.

ORDER OF PUBLICATION

The object of this suit is to obtain a Divorce a Vinculo Matrimonii on the grounds of parties lived separate & apart for one year.

KEYONA LEAKENA BROADWAY

The object of this suit is to obtain a divorce from the defendant on the grounds of separation in excess of twelve (12) months.

It is ORDERED that CHRISTOPHER PAGE appear at the above-named court and protect her interests on or before June 1, 2012.

Case No. CL1201180P-03

It appearing from an affidavit that the defendant is not a resident of this Commonwealth or that diligence has been used by or on the behalf of the plaintiff to ascertain in what country or city the defendant is, it is ordered that the defendant appear to protect her interests on or before this court on May 31, 2012.

Date: April 6, 2012 LINDA B. SMITH, Clerk By: Karen A. Downing, D. C.

It is ordered that this Order of Publication be published once a week for four (4) successive weeks in the Inside Business, The Hampton Roads Business Journal, 150 W. Brambleton Avenue, Norfolk, Virginia 23510.

22985079

Received by IB: April 10, 2012 George E. Schaefer, Clerk By: Toni Duquette, D. C.

22988086

22995177

It is ORDERED that KEYONA LEAKENA BROADWAY appear at the above-named court and protect his/her interests on or before June 8, 2012. Date April 11, 2012 Rex A. Davis ,Clerk By: Brenda Johnson, D. C.

COMMONWEALTH OF VIRGINIA HAMPTON CIRCUIT COURT SADE AFTON GRANT

22991792

Matrimonii or from the bonds of matrimony.

WEI ZHANG, Defendant. Case No. CL12-2193

It is ORDERED that MAURICE FORD appear at the above-named court and protect his/her interests on or before May 31, 2012. Date: April 4, 2012 LINDA B. SMITH, Clerk By: Connie Lee Schmitt, D. C.

ORDER OF PUBLICATION The object of this suit is to obtain a divorce from the Defendant on the grounds of the parties have lived separate and apart without any cohabitation and without interruption for one year. It appearing from an affidavit that the Defendant is not a resident of this Commonwealth or that due diligence has been used by or on the behalf of the Plaintiff to ascertain in what country or city the Defendant is; it is ordered that the Defendant appear to protect her interests on or before this court on May 31, 2012. It is ordered that this Order of Publication be published once a week for four successive weeks in the Inside Business newspaper Tina E. Sinnen, Clerk By: S. Mathews, Deputy Clerk Received by IB 4/10/12

22991167

COMMONWEALTH OF VIRGINIA Newport News Circuit Court 2500 Washington Avenue, Newport News, VA 23607 ALGIE COOK

Defendant.

The object of this suit is to obtain a divorce a vinculo matrimoni i from the defendant on the grounds that the parties have lived separate and apart for more than one (1) year. It is ORDERED that STEVIE LYNN MAHONEY appear and protect her interest, on or before June 8, 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in the INSIDE BUSINESS, a newspaper of general circulation in this City prescribed by this court.

22994959

Case No. CL120120V-04

Date: April 12, 2012 Rex A. Davis, Clerk By: Brenda Johnson, D. C. 22991246

ORDER OF PUBLICATION The object of this suit is to divorce. It is ORDERED that BARBORA DAVIS DURCOVA appear at the above-named court and protect his/her interests on or before May 31, 2012.

COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, VA 23510

Date: April 10, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22985386

It is ORDERED that JENNIFER JONES-LAVINE appear at the above-named court and protect his/her interests on or before June 15, 2012.

KIRK WAYNE MARTIN, JR.

ORDER OF PUBLICATION The object of this suit is for the Complainant, LISA DAWN ELDER, to obtain a divorce A Vinculo Matrimonii from the Defendant, JUSTIN WILLIAM WOMER, on the grounds of one year's separation, pursuant to §20-91(9)(a) of the Code of Virginia, 1950, as amended. It appearing from an Affidavit that the Defendant is not a resident of this Commonwealth or that diligence has been used by or on the behalf of the Complainant to ascertain in what country or city the Defendant is, it is ADJUDGED, ORDERED, and DECREED that the Defendant, JUSTIN WILLIAM WOMER, appear to protect his interests on or before June 8, 2012 which date is no sooner than fifty-four (54) days after entry of this Order of Publication. It is further ADJUDGED, ORDERED, and DECREED that this Order of Publication be published once a week for four (4) successive weeks in Inside Business, a newspaper having general circulation in this City. Date: April 17, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22995228

It is ORDERED that KIRK WAYNE MARTIN, JR. appear at the above-named court and protect his/her interests on or before June 8, 2012. Date April 11, 2012 Rex A. Davis ,Clerk By: Brenda Johnson, D. C. 22991347

Case No. CL12-999 Part 2 ORDER OF PUBLICATION The object of this suit is to obtain a divorce on the grounds that the parties have lived separate & apart continuously for more than one year. It is ORDERED that HARVEY STEPHAN TURLINGTON appear at the above-named court and protect his/her interests on or before June 11, 2012. Date: April 16, 2012 LINDA B. SMITH, Clerk By: Connie Lee Schmitt, D. C. 22995804

VIRGINIA: IN THE NORFOLK CIRCUIT COURT CLERK'S OFFICE EUGENE H. PATNAUDE, III Plaintiff(s) V. CHRISTINE JOAN PATNAUDE Defendant(s)

COMMONWEALTH OF VIRGINIA Case No. CL12-2362 NORFOLK CIRCUIT COURT ORDER OF PUBLICATION 100 St. Paul's Blvd., Norfolk, VA 23510 The object of this suit is for Divorce. CALVIN SIMMONS V. GLORIA TURNER SIMMONS Case No. CL12-2352

It is ORDERED that CHRISTINE JOAN PATNAUDE appear at the above-named court and protect his/her interest, on or before June 8, 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in Inside Business a newspaper of general circulation in this City prescribed by this court. Date: April 17, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

The object of this suit is to grant Calvin Simmons a divorce a vinculo matrimonii from Gloria Turner Simmons. It is ORDERED that Gloria Turner Simmons appear at the above-named court and protect his/her interests on or before June 8, 2012. Date: April 17, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22995269

COMMONWEALTH OF VIRGINIA CITY OF NORFOLK CIRCUIT COURT BASHA ELIZABETH BROTHERTON V. BENETIZ BROTHERTON

CHRISTOPHER PAGE L/K/A SACRAMENTO, CA

COMMONWEALTH OF VIRGINIA Newport News Circuit Court Case No. CL12-2749 2500 Washington Avenue, Newport News, VA 23607 ORDER OF PUBLICATION

Case No. CL12000856-00

MICHAEL SANCHEZ BROADWAY

The object of this suit is to obtain a Divorce Decree. It is ORDERED that BENETIZ BROTHERTON appear at the above-named court and protect his/her interests on or

22997596

COMMONWEALTH OF VIRGINIA PORTSMOUTH CIRCUIT COURT 601 CRAWFORD, PORTSMOUTH, VA 23704

VIRGINIA: IN THE NORFOLK CHARLOTTE YVONNE GREEN CIRCUIT COURT CLERK'S PRICE OFFICE V. EVERETT ADRIAN CURRIE, MELVIN PRICE, JR. Plaintiff, V.

ORDER OF PUBLICATION The object of this suit is divorce.

ANGELA G. CURRIE, Defendant. CASE NO.: 12-2788 ORDER OF PUBLICATION

ORDER OF PUBLICATION

DAPHANEY LABELL (RAY) PAGE v.

Date: March 6, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22995106

Case No. CL1201186T-01

The object of this suit is to obtain a Divorce .

COMMONWEALTH OF VIRGINIA HAMPTON CIRCUIT COURT 101 N. KINGS WAY MALL HAMPTON, VA 23669

Case No. 12-2857

PHILLIP JOSEPH LAVINE, JR.

COMMONWEALTH OF VIRGINIA Newport News Circuit Court Case No. CL12-1544 2500 Washington Avenue, Newport News, VA 23607 ORDER OF PUBLICATION LASHAUNDA DENISE BROWN The object of this suit is to obtain divorce. MARTIN v.

Defendant.

HARVEY STEPHAN TURLINGTON l/k/a 2429 St. Paul, Unit C, Baltimore, MD

ORDER OF PUBLICATION

JENNIFER JONES-LAVINE

Case No. CL12-2330-00

JUSTIN WILLIAM WOMER,

ORDER OF PUBLICATION It is ORDERED that TRACI H. GANTT COOK appear at the above-named court and protect his/her interests on or before June 11, 2012.

Complainant,

ORDER OF PUBLICATION

TRACI H. GANTT COOK

CHRISTIAN SCOTT DAVIS

BARBORA DAVIS DURCOVA

LISA DAWN ELDER,

CASE NO.: 710CL12000042-00

Date: April 17, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

The object of this suit is to obtain a Divorce.

COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, VA 23510

STEVIE LYNN MAHONEY,

22985188

IN THE CIRCUIT COURT OF THE CITY OF NORFOLK

The object of this suit is to obtain a Divorce .

MARGARET MOLLIE TURLINGTON v.

VIRGINIA:

ORDER OF PUBLICATION

VIRGINIA: MAURICE FORD L/K/A 3317 S. DINGLE DRIVE IN THE CIRCUIT COURT OF THE VIRGINIA: IN THE CIRCUIT FLORENCE, SC 29505 CITY OF NORFOLK COURT OF THE CITY OF NORFOLK JASON ANTHONY MAHONEY, Case No. CL12-873 Part I XIAOYAN ZHENG, Plaintiff, ORDER OF PUBLICATION Plaintiff, The object of this suit is to obtain a Divorce a Vinculo V. Vs.

Date: April 17, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

COMMONWEALTH OF VIRGINIA HAMPTON CIRCUIT COURT

It is ORDERED that MELVIN PRICE, JR. appear and protect his interest on or before June 21, 2012. Date: April 13, 2012 CYNTHIA P. MORRISON, Clerk By: Carleathia Vincent, Deputy Clerk 23006492

The object of this suit is to obtain a divorce a vinculo matrimonii from the defendant on the grounds that the parties have lived separate and apart for more than one year. It is ORDERED that ANGELA G. CURRIE appear and protect his interest, on or before June 8, 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in the INSIDE BUSINESS, a newspaper of general circulation in this City prescribed by this court. Date: April 17, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22995380

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF NORFOLK PATRICIA ANN BLUNT,

Complainant,

v. THOMAS GARY MANN,

Defendant.

Case No. 12-3044 ORDER OF PUBLICATION The object of this suit is for the Complainant, PATRICIA ANN BLUNT to obtain a divorce A Vinculo Matrimonii from the Defendant, THOMAS GARY MANN, on the grounds of one year's separation, pursuant to §20-91(9)(a) of the Code of Virginia, 1950, as amended. It appearing from an Affidavit that the Defendant is not

Defendant. Case No. 12-3044 ORDER OF PUBLICATION

It is ORDERED that EARVIN JUNIOR NEWSOME appear at the above-named court and protect his interests on or before June 1, 2012.

The object of this suit is for the Complainant, PATRICIA ANN BLUNT to obtain a divorce A Vinculo Matrimonii from the Defendant, THOMAS GARY MANN, on the grounds of one year's separation, pursuant to §20-91(9)(a) of the Code of Virginia, 1950, as amended.

And it is further ORDERED that this order of publication be published once a week for four successive weeks in INSIDE BUSINESS, a newspaper of general circulation in this City prescribed by this court.

ORDER OF PUBLICATION The object of this suit is to obtain a Divorce .

Date: April 6, 2012. LINDA B. SMITH, Clerk By: Karen A. Downing, D. C.

It is ORDERED that KATHLEEN DUNCAN appear at the above-named court and protect his/her interests on or before June 18, 2012.

23018608

Date: 4/24/12 Rex A. Davis ,Clerk By: N. Allmond, D. C.

It is ORDERED that SARAH REBEKAH SHOREY appear at the above-named court and protect his/her Date: May 1, 2012 interests on or before June 26, 2012. George E.MONDAY, Schaefer, III, Clerk MAY 7, 2012 » INSIDE BUSINESS » 77 Date: 4/27/12 By: Toni Duquette, D. C. Rex A. Davis ,Clerk By: N. Allmond, D. C. 23023989 23024006

It appearing from an Affidavit that the Defendant is not a resident of this Commonwealth or that diligence has been used by or on the behalf of the Complainant to ascertain in what country or city the Defendant is, it is ADJUDGED, ORDERED, and DECREED that the Defendant, JUSTIN WILLIAM WOMER, appear to protect his interests on or before June 15, 2012 which date is no sooner than fifty-four (54) days after entry of this Order of Publication.

23023301 COMMONWEALTH OF VIRGINIA COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT NEWPORT NEWS CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, 2500 WASHINGTON AVENUE, VA 23510 VIRGINIA: IN THE NORFOLK NEWPORT NEWS, VA 23607 CIRCUIT COURT CLERK'S THERESA MARTINA RHODES YORDAN GUZMAN OFFICE

It is further ADJUDGED, ORDERED, and DECREED that this Order of Publication be published once a week for four (4) successive weeks in Inside Business, a newspaper having general circulation in this City.

Date: April 24, 2012 GEORGE E.. SCHAEFER, Clerk By: Toni Duquette, D. C. 23012075

v. MICHAEL LAVERNON WHITE Plaintiff,

Case No. 710CL12001604-00 ORDER OF PUBLICATION

COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT REBECCA A. SCHAMEL-SOLOMON

The object of this suit is to get a divorce. It is ORDERED that DAVID TYRONE SEABRON appear at the above-named court and protect his/her interests on or before June 22, 2012.

Date: May 1, 2012

JOHN M. SOLOMON, JR

George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

Case No. CL12-3027

23-19896

ORDER OF PUBLICATION The object of this suit is to obtain a Divorce a Vinculo Matrimonii on the grounds that the parties lived separate & apart for one year. It is ORDERED that Defendant, JOHN M. SOLOMON, JR appear at the above-named court and protect his/her interests on or before JUNE 15, 2012. Date: April 24, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

COMMONWEALTH OF VIRGINIA NORFOLK CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, VA 23510 MARIAN M. MUNFORD

Circuit Court Case 710CL12000980-00

ORDER OF PUBLICATION

It appearing from an affidavit that the defendant can not be found and that diligence has been used by or on behalf of the plaintiff to ascertain in what country or city the defendant is, it is ordered that the defendant appear to protect his interest on or before this court on June 27, 2012, at 9:00 a.m. It is ordered that this Order of Publication be published once a week for four successive weeks in the Inside Business.

Date: May 1, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

KENNETH A. MUNFORD

VIRGINIA:

It is ORDERED that KENNETH A. MUNFORD appear at the above-named court and protect his/her interests on or before June 22, 2012. Date: April 24, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

KRISTOPHER MICHAEL THOMPSON, 1301 Canal Drive, Apt. 4E Chesapeake, VA 23323 (Last known address)

ORDER OF PUBLICATION

VIRGINIA: IN THE NORFOLK CIRCUIT COURT CLERK'S OFFICE CHARLES R. CROCKETT V.

HYATT EZZEDDINE

It appearing from an affidavit that the defendant is not a resident of this Commonwealth or that diligence has been used by or on the behalf of the plaintiff to ascertain in what country or city the defendant is it is ordered that the defendant appear before this court to protect his/her interests on June 15, 2012.

Case No. 12-3043

23023683

It is ORDERED that SHANTEL CROCKETT appear at the above-named court and protect his/her interests on or before June 22, 2012. Date: May 1, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

Date: April 26, 2012 Tina E. Sinnen, Clerk By: Svitlana Mathews, Deputy Clerk

VIRGINIA: IN THE NORFOLK CIRCUIT COURT CLERK'S OFFICE ARTEM V. LAZORSKIY,

v. EARVIN JUNIOR NEWSOME L/K/A 2818 ROSALEE DRIVE HAMPTON, VA 23661

ACQUILLE VAUGHN HARRISON Defendant.

Case No. CL1201346F-15

CIVIL NO. CL12000803-00

ORDER OF PUBLICATION The object of this suit is to obtain a Divorce . It is ORDERED that SEBASTIAN PERNELL KING appear at the above-named court and protect his/her interests on or before June 22, 2012.

Case No. CL11002070-00

23023995

COMMONWEALTH OF VIRGINIA Newport News Circuit Court

It is ORDERED that the foregoing two paragraphs be published once a week for four successive in Inside Business, a newspaper published in the City of Virginia Beach and having general circulation/ ENTER 4/11/12 Kenneth R. Melvin, Judge

TIFFANY DAWN OATES v. ERNEST DELMAR OATES, III

ORDER OF PUBLICATION The object of this suit is to obtain a Divorce a Vinculo Matrimonii on the grounds of parties lived separate & apart for one year. It is ORDERED that EARVIN JUNIOR NEWSOME appear at the above-named court and protect his interests on or before June 1, 2012.

KATHLEEN DUNCAN Case No. CL1201366F-15 ORDER OF PUBLICATION The object of this suit is to obtain a Divorce .

A copy, Teste: Cynthia P. Morrison Clerk of the Circuit Court of the City of Portsmouth, Virginia By: Nicole Tabron, D. C. Received by IB: 4/30/12 23024554

Case No. CL12000625V-04 VIRGINIA:

ORDER OF PUBLICATION The object of this suit is to obtain a divorce a vinculo matrimonii, on the grounds that the parties have lived separate and apart without cohabitation and without interruption, in excess of one year. It is ORDERED that the defendant, ERNEST DELMAR OATES, III appear at the above-named court and protect his/her interests on or before June 22, 2012. Date: 4/23/12 Rex A. Davis ,Clerk By: S. DeBusk, D. C.

Plaintiff

IN THE CIRCUIT COURT FOR THE CITY OF VIRGINIA BEACH STEPHANE BOUNA KOTO

It is ORDERED that SHAUNTELL SAMONE BRICKMORE appear and protect her interest on or before June 22, 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four successive weeks in INSIDE BUSINESS, a newspaper of general circulation in this City prescribed by this court.

Date: April 6, 2012. LINDA B. SMITH, Clerk By: Karen A. Downing, D. C.

It is ORDERED that KATHLEEN DUNCAN appear at the above-named court and protect his/her interests on or before June 18, 2012.

Date: May 1, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

23018608

Date: 4/24/12 Rex A. Davis ,Clerk By: N. Allmond, D. C.

23023989

v. SARAH REBEKAH SHOREY Case No. CL1201374F-15

Complainant

V. AKLECIA VIOLET MEVOY

Defendant

Case No. CL12-1726

23023998

The object of this suit is to obtain a divorce a vinculo matrimonii from the defendant on the grounds that the parties have lived separate and apart for more than one year.

ORDER OF PUBLICATION The object of this suit is to obtain a divorce from the bond of matrimony from the defendant on the grounds of one year separation. An affidavit having been filed that the defendant is not a resident of the Commonwealth and that diligence has been used by and on the behalf of the complainant to ascertain in what county or corporation such defendant is without effect, it is required that the defendant appear before this Court to protect his interest on or before May 30, 2012 which is 50 days after entering of this order.

Date: 4/24/12 Rex A. Davis ,Clerk By: S. DeBusk, D. C.

SHAUNTELL SAMONE COMMONWEALTH OF VIRGINIA BRICKMORE, Defendant Newport News Circuit Court COMMONWEALTH OF VIRGINIA 2500 Washington Avenue, Newport News Circuit Court Newport News, VA 23607 Case No. CL12-3088 2500 Washington Avenue, Newport News, VA 23607 COLIN WINFIELD SHOREY ORDER OF PUBLICATION JUSTIN DUNCAN

23024034

SEBASTIAN PERNELL KING

23023261

JOANN NEWSOME

Date: May 1, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C.

Case No. CL12-1561

The object of this suit is to obtain divorce a vinculo matrimonii on the grounds that the parties have lived separate and apart, without cohabitation and without interruption, for a period in excess of one year.

It is ORDERED that OLESEA MEREACRE appear at the above-named court and protect his/her interests on or before June 22, 2012.

Defendant

It is ordered that this Order of Publication be published once a week for four successive weeks in Inside Business.

SHANTEL CROCKETT

The object of this suit is to obtain a divorce from the bonds of matrimony from the Defendant on the grounds of one year separation.

COMMONWEALTH OF VIRGINIA HAMPTON CIRCUIT COURT 101 N. KINGS WAY MALL HAMPTON, VA 23669

ORDER OF PUBLICATION The object of this suit is to obtain a divorce.

VIRGINIA: IN THE CLERK'S OFFICE OF THE CIRCUIT COURT COMMONWEALTH OF VIRGINIA OF THE CITY OF PORTSMOUTH Newport News Circuit Court ON THE 11th DAY OF APRIL 2500 Washington Avenue, 2012 Newport News, VA 23607 JOHN ED HARRISON EVELYN NICOLE FREDERICK Plaintiff,

ORDER OF PUBLICATION

Date: April 20, 2012 FAYE WATFORD MITCHELL, Clerk By: Courtney Lee, Deputy Clerk 23012642

ABDELHAMID SA’AD JA’AFREH Complainant

Case No. 12-2946

Date: April 20, 2012 Rex A. Davis, Clerk By: S. DeBusk,, D. C. 23023992

23021426

Case No. CL12-933

The object of this suit is for the plaintiff to obtain a Divorce A Vinculo Matrimonii from the defendant upon the grounds of one year separation. The last known address of the defendant being 1301 Canal Drive, Apt. 4E, Chesapeake, VA 23323, and that due diligence has been used by or on behalf of the plaintiff to ascertain in what city or county the defendant is residing. It is ORDERED that KRISTOPHER MICHAEL THOMPSON, appear and protect his interest, on or before the June 14, 2012, which date is no sooner than fifty days after entry of this order of publication. And it is further ORDERED that this order of publication be published once a week for four (4) successive weeks in Inside Business, a newspaper of general circulation in this City prescribed by the Court.

It is ORDERED that NATHALIE JIMENEZ appear at the above-named court and protect her interests on or before June 9, 2012.

IN THE CIRCUIT COURT FOR THE CITY OF VIRGINIA BEACH

ORDER OF PUBLICATION The object of this suit is to obtain a divorce.

The object of this suit is to obtain a Divorce pursuant to section 20-91(A)(9) of the Virginia Code, that is it the parties have lived separate and apart for a period exceeding one year.

23023464

Case No. CL12-2996

JESSICA RAE THOMPSON Plaintiff,

ORDER OF PUBLICATION

The object of this suit is to obtain a divorce a Vinculo Matrimoni i from the Defendant on the grounds that the parties have lived separate and apart, without interruption and without cohabitation for a period in excess of one (1) year.

23012349

VIRGINIA: IN THE CHESAPEAKE CIRCUIT COURT CLERK’S OFFICE

No.

ALEXANDER TIKHONOV

OLESEA MEREACRE

Case No. CL1200678T-01

CHERYL ANNE WHITE Defendant.

VIRGINIA: IN THE NORFOLK CIRCUIT COURT CLERK'S OFFICE

NATHALIE JIMENEZ

DAVID TYRONE SEABRON

The object of this suit is to grant a Divorce .

ORDER OF PUBLICATION The object of this suit is to obtain divorce a vinculo matrimonii on the grounds that the parties have lived separate and apart, without cohabitation and without interruption, for a period in excess of one year. It appearing from an affidavit that the defendant is not a resident of this Commonwealth or that diligence has been used by or on the behalf of the plaintiff to ascertain in what country or city the defendant is it is ordered that the defendant appear before this court to protect his/her interests on or before June 8, 2012. It is ordered that this Order of Publication be published once a week for four successive weeks in Inside Business.

23024595

Date: April 14,, 2012 Tina E. Sinnen, Clerk By: Svitlana Mathews, Deputy Clerk

ORDER OF PUBLICATION The object of this suit is to grant a Divorce . It is ORDERED that SARAH REBEKAH SHOREY appear at the above-named court and protect his/her interests on or before June 26, 2012. Date: 4/27/12 Rex A. Davis ,Clerk By: N. Allmond, D. C. 23024006

ABC LICENSE VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

VIRGINIA DEPARTMENT OF VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE ALCOHOLIC BEVERAGE CONTROL CONTROL 2012 Hermitage Road 78 » INSIDE BUSINESS » MONDAY, MAY 7, 2901 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 P. O. Box 27491 www.abc.virginia.gov Richmond VA 23261 www.abc.virginia.gov RETAIL LICENSE APPLICATION POSTING AND PUBLISHING

RETAIL LICENSE APPLICATION - POSTING AND PUBLISHING Full name(s) of owner(s):

ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

RAMBA, LLC

EL RIO CORPORATION

Trading as:

dba Bean There Coffeehouse address 1860 Laskin Rd, #122 Va Beach, Va 23454

ALANNAH'S TAQUERIA 517 KEMPSVILLE RD., SUITE E CHESAPEAKE, VIRGINIA 23320

The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Beer and Wine On license to sell or manufacture alcoholic beverages.

The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Retail Beer On Premises license to sell or manufacture alcoholic beverages.

Mark Metzger - Managing Member

Joshua C. Nicol

NOTE: Objections to the issuance of this license must be submitted to ABC no later than 30 days from the publishing date of the first of two required newspaper legal notices. Objections should be registered at www.abc.virginia.gov or 800-552-3200.

The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Wine and beer and Mixed Beverages on Premises license to sell or manufacture alcoholic beverages. Marisol Espindola Garcia - Owner, President NOTE: Objections to the issuance of this license must be submitted to ABC no later than 30 days from the publishing date of the first of two required newspaper legal notices. Objections should be registered at www.abc.virginia.gov or 800-552-3200. 23008113

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

RETAIL LICENSE APPLICATION POSTING AND PUBLISHING

RETAIL LICENSE APPLICATION Full name(s) of owner(s): - POSTING AND PUBLISHING Full name(s) of owner(s): SCRAMBLED INC.

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov RETAIL LICENSE APPLICATION - POSTING AND PUBLISHING Full name(s) of owner(s): COALESCO, INC. Trading as: BROTHERS PIZZA 401 N. GREAT NECK RD., SUITE 117 VIRGINIA BEACH, VIRGINIA 23454 The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Mixed Beverage On Premises license to sell or manufacture alcoholic beverages. Elijah G. Miller, President NOTE: Objections to the issuance of this license must be submitted to ABC no later than 30 days from the publishing date of the first of two required newspaper legal notices. Objections should be registered at www.abc.virginia.gov or 800-552-3200. 23009174

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov RETAIL LICENSE APPLICATION -

ZHI JUAN CHEN

DAI WA SUSHI 8401 HAMPTON BLVD., #4 NRFOLK, VIRGINIA 23505

The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Limited Catering license to sell or manufacture alcoholic beverages. Adel Hagez, Manager NOTE: Objections to the issuance of this license must be submitted to ABC no later than 30 days from the publishing date of the first of two required newspaper legal notices. Objections should be registered at www.abc.virginia.gov or 800-552-3200.

The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Beer and Wine On license to sell or manufacture alcoholic beverages. Zhi Juan Chen, Yend Chen NOTE: Objections to the issuance of this license must be submitted to ABC no later than 30 days from the publishing date of the first of two required newspaper legal notices. Objections should be registered at www.abc.virginia.gov or 800-552-3200. 23022345

Published: April 30 & May 7, 2012 23012461

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

RETAIL LICENSE APPLICATION G GRANBY STREET INC. - POSTING AND PUBLISHING Trading as: Full name(s) of owner(s): GUADS @ GRANBY 7515 Granby Street H & N CORPORATION Norfolk, Virginia 23505 Trading as: The above establishment is applying to the CUISINE @ THE MARINA 2100 MARINA SHORES DRIVE VIRGINIA BEACH, VIRGINIA 23451 The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Wine & Beer on Premises license to sell or manufacture alcoholic beverages. Louise B. Nagourney, Pres. NOTE: Objections to the issuance of this license must be submitted to ABC no later than 30 days from the publishing date of the first of two required newspaper legal notices. Objections should be registered at www.abc.virginia.gov or 800-552-3200. 23019070

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

CAFÉ STELLA, LLC.

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Wine and Beer /Mixed Beverage license to sell or manufacture alcoholic beverages. Mariusz Pomianek, Owner

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Wine & Beer on/Mixed Beverage license to sell or manufacture alcoholic beverages. Vicky L. Haskell - President

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov RETAIL LICENSE APPLICATION - POSTING AND PUBLISHING

RETAIL LICENSE APPLICATION Trading as: - POSTING AND PUBLISHING CAFÉ STELLA

IN RE: NAME CHANGE OF MASON NATHANIEL RICKETTS Case No. CL1201039T-01

The object of this suit is to change the name of Mason Nathaniel Ricketts to Mason Nathaniel Davis. It is ORDERED that Robert Edward Ricketts, Jr. appear at the above-named court and protect his/her interests on or before May 25, 2012. Date: 3/28/12 Rex A. Davis ,Clerk By: S. DeBush, D. C. 22983052

MISCELLANEOUS UNITED STATES CUSTOMS AND BORDER PROTECTION- Notice is hereby

given as required by 19 USC 1607, and in accordance with 19 CFR 162.45, of the seizure and intent to forfeit and dispose of according to law, the property listed below, seized in Virginia. Any person desiring to claim the property must appear at the Office of the Fines, Penalties and Forfeiture officer, U.S. Customs and Border Protection, 101 East main Street, Norfolk, Virginia, and file within twenty (20) days from the date of the first publication of the notice, a claim to such property, in default of which the property will be disposed of in accordance with the law.

CASE #2012140100006501; Seized 04/30/2012: DESCRIPTION: $5,500.00 US CURRENCY; LAWS VIOLATED: title 21, United States Code, section 881. 23020237 UNITED STATES CUSTOMS AND BORDER PROTECTION- Notice is hereby

CASE #2012140400000901; Seized 12/08/2011: DESCRIPTION: $5,000.00 US CURRENCY; LAWS VIOLATED: title 18, United States Code, section 981 for violation of title 18, United States Code, section 1956 for money laundering. 23020208

NORFOLK CIRCUIT COURT 100 St. Paul's Blvd., Norfolk, VA 23510 RE: Adoption of April Renae Trim Case No. CA11-000050-00 ORDER OF PUBLICATION The object of this suit is to notice Kathleen Sandra O'Neil f.k.a. Kathleen Sandra Jeter, a.k.a.. Kathleen Kaushal, mother of April Renae Trim, born on April 23, 1997 of adoption proceedings. It is ORDERED that Kathleen Sandra O'Neil f.k.a. Kathleen Sandra Jeter, a.k.a.. Kathleen Kaushal appear at the above-named court and protect her interests on or before May 31, 2012. Date: April 10, 2012 George E. Schaefer, III, Clerk By: Toni Duquette, D. C. 22984547

VIRGINIA: IN THE VIRGINIA BEACH JUVENILE AND DOMESTIC RELATIONS DISTRICT COURT

UNITED STATES CUSTOMS AND IN RE: BORDER PROTECTION- Notice is hereby Connor Anthony HARRISON

given as required by 19 USC 1607, and in accordance with 19 CFR 162.45, of the seizure and intent to forfeit and dispose of according to law, the property listed below, seized in Virginia. Any person desiring to claim the property must appear at the Office of the Fines, Penalties and Forfeiture officer, U.S. Customs and Border Protection, 101 East Main Street, Norfolk, Virginia, and file within twenty (20) days from the date of the first publication of the notice, a claim to such property, in default of which the property will be disposed of in accordance with the law.

CASE #2012140100001601; Seized 12/07/2011: DESCRIPTION: $7,140.00 US Currency: Laws violated: title 18 United States Code, §981 in violation of title 18 United States Code §1956 23004224

Juvenile,

VIRGINIA BEACH DEPARTMENT OF SERVICES,

HUMAN Petitioner,

v. UNKNOWN FATHER, Respondent. Party to be served: Unknown Father Last known address: Unknown

File No: JJ197049 COMMONWEALTH OF VIRGINIA Newport News Circuit Court ORDER OF PUBLICATION 2500 Washington Avenue, Newport News, VA 23607 Party to be served: Unknown JAMES C. SMITH, JR., SUCCESSOR ADMINISTRATOR, et al. v. PARTIES UNKNOWN, ET AL. Case No. CL1200989P-03 ORDER OF PUBLICATION The object of this suit is to quiet title to real estate commonly known as 511 Richneck Road, Newport News, Virginia, Parcel ID No. 054000108. It is ORDERED that Parties Unknown appear at the above-named court and protect his/her interests on or before .June 8, 2012. Date: 4/11/12 Rex A. Davis ,Clerk By: S. DeBusk, D. C. 22987586

ADOPTION/NAME CHANGES

Full name(s) of owner(s): CAFÉ STELLA, LLC.

COMMONWEALTH OF VIRGINIA Newport News Circuit Court 2500 Washington Avenue, Newport News, VA 23607

ORDER OF PUBLICATION

Full name(s) of owner(s):

Trading as:

SCRAMBLED 910 ATLANTIC AVE., UNIT 4 VIRGINIA BEACH, VIRGINIA 23451

RETAIL LICENSE APPLICATION - POSTING AND PUBLISHING

Trading as:

Granby Bistro 225 Granby St Norfolk, VA 23510

Oshry Clabaugh - President

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

Hermon Foods, LLC

Trading as:

The above establishment is applying to the VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL for a Wine & Beer on/Mixed Beverage license to sell or manufacture alcoholic beverages.

Trading as:

Published: April 30 & May 7, 2012 23012446

VIRGINIA DEPARTMENT OF ALCOHOLIC BEVERAGE CONTROL 2901 Hermitage Road P. O. Box 27491 Richmond VA 23261 www.abc.virginia.gov

Full name(s) of owner(s):

RETAIL LICENSE APPLICATION Trading as: - POSTING AND PUBLISHING CAFÉ STELLA Full name(s) of owner(s): 1907 COLONIAL AVENUE NORFOLK, VIRGINIA ALANNAH'S TAQUERIA LLC The above establishment is applying to the

Full name(s) of owner(s):

EL RIO MEXICAN RESTAURANT 11135 WARWICK BLVD. NEWPORT NEWS, VIRGINIA 23601

RETAIL LICENSE APPLICATION - POSTING AND PUBLISHING

COMMONWEALTH OF VIRGINIA Newport News Circuit Court 2500 Washington Avenue, Newport News, VA 23607

ORDER OF PUBLICATION The object of this suit is that on or about the 5th day of January, 2012, the Virginia Beach Department of Human Services petitioned this Court for the termination of the parental rights of the Unknown Father of Connor Anthony Harrison, born October 26, 2009, in Portsmouth, Virginia at Portsmouth Naval Hospital; said termination being pursuant to VA CODE section 16.1-283 (C)(1), (C)(2) and (D). The consequences of termination are that a parent or parents forever relinquish all parental rights such as, but not limited to, the rights of visitation, consent to adoption, companionship, association, education, discipline, guidance, the right to determine religious affiliation, all decision making concerning the child's welfare and the responsibility for support. It is ORDERED that the Unknown Father of Connor Anthony Harrison appear at the above named Court and protect his interests on or before June 19, 2012

at 11:00 a.m.

Pamela Scott, Clerk of Court Dated: 04/02/12 By: Gloria R. Chappell, Deputy Clerk I ask for this: Christianna Dougherty-Cunningham, Esquire City Attorney's Office 2401 Courthouse Drive, Room 260 Virginia Beach, VA 23456; Phone: (757) 385-4531, Fax: (757) 385-5687 22986920

Williams to adopt, as a stepparent adoption, the child of Kionna Singleton-Williams and Simon Makoko.

V. JOHN MCCALL, Trustee of St. Andrews Church of God in Christ, et als., MONDAY, MAY 7, 2012 » INSIDE BUSINESS » 79 Defendants.

It appearing from an affidavit that the respondent is not a resident of this Commonwealth or that diligence has been used by or on behalf of the petitioners to ascertain in what county or city the respondent is, but respondent has not been located.

COMMONWEALTH OF VIRGINIA CITY OF PORTSMOUTH CIRCUIT COURT TIMOTHY PRESTON OWEN AND JEFFE CABANATAC OWEN

It is ORDERED that SIMON MAKOKO, appear and protect his interest, on or before June 8, 2012, which date is no sooner than fifty days after entry of this order of publication.

VIRGINIA: IN THE CIRCUIT COURT FOR THE CITY OF CHESAPEAKE

CIVIL CASE NO. CL12-3215

And it is further ORDERED that this order of publication be published once a week for four successive weeks in the INSIDE BUSINESS, a newspaper of general circulation in this City prescribed by this court.

IN RE:

TO: John McCall, Vernette Corprew, Andretta Nickens and James F. Gay as well as Hall Construction, Inc.

ESTATE OF VIRGINIA B. NERO, DECEASED M. POWELL PETERS, EXECUTOR

The object of this suit is to enforce the lien for taxes assessed by the City of Norfolk, Virginia against certain real property whose legals are Lot 20 BLK K, Lot 6 BLK K & PT Lot 4 BLK K (75 FT) for Account #7011-3490, 7011-3500 & 7011-3505.

Date: April 17, 2012 George E. Schaefer, III, Clerk By: Tracey Staples, D. C. 22995036

V. KAHIL PRATTS VALENTIN IN RE: THE ADOPTION OF A CHILD TO BE KNOWN AS ANDREW CABANTAC OWEN CA-12-4 ORDER OF PUBLICATION The object of this suit is to give proper notice of the adoption proceedings of the adoption of Andrew Kahill Pratts Cabantac born to Jeffe Cabantac on September 9, 2006, by Timothy Preston Owen and Jeffe Cabantac Owen. It is ORDERED that KAHIL PRATTS VALENTIN appear at the above-named court and protect his interests on or before June 11, 2012. Date: April 11, 2012. CYNTHIA P. MORRISON, Clerk By: Susan R. Nespoli, Deputy Clerk 22993136

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF CHESAPEAKE ROBERT MITCHELL and SUSAN MITCHELL, Petitioners v. DJUAN LAROY ARTIS, Respondent.

NOTICE OF SERVICE PROCESS BY PUBLICATION STATE OF NORTH CAROLINA MECKLENBURG COUNTY IN THE GENERAL COURT OF JUSTICE FOR THE ADOPTION OF ALORA JEAN RUSSELL 12-SP-000298 TO: The unknown father of Alora Jean Russell, a female child, born on April 6, 2012, at Riverside Regional Medical Center in Newport News, Virginia. Take notice that a pleading seeking relief against you has been filed by Lisco R. Russell, III and Ida D. Russell before the Clerk of Superior Court for Mecklenburg County, Charlotte, NC, in the above-entitled special proceeding. The nature of the relief being sought is for the adoption of Alora Jean Russell. The child was conceived on September 6th, 2011 in Newport News/Hampton, Virginia in an unknown location. The child was born to Shana P. Washington, who is a black female, 5’5”, black hair, brown eyes, brown skin tone. The biological mother was unaware that she was pregnant until time of delivery of the child, and the child was born premature. Biological mother did not travel outside of the Newport News/Hampton area during the possible time of conception and is unknown where or with whom conception occurred. You are required to make defense to such pleading not later than 40 days after the first date of publication of this notice on April 30, 2012. If you fail to do so, the party seeking service against you will apply to the court for the relief sought. Any parental rights you may have will be terminated upon entry of a Decree of Adoption. This, the 30th day of April, 2012. Lisco R. Russell, III and Ida D. Russell, Pro Se 7610 Timber Commons Lane, Apt Q Charlotte, NC 28212

ORDER OF PUBLICATION

NOTICE JUDICIAL SALE OF REAL PROPERTY

CHANCERY NO. CL12-923 SHOW CAUSE ORDER AGAINST DISTRIBUTION It appearing to the Court that reports of the accounts of M. Powell Peters, Executor of the above estate and of the debts and demands against the estate have been filed in the Clerk's Office of the Circuit Court of Chesapeake and that six months have elapsed since the qualification, and upon motion of the personal representative IT IS SO ORDERED that the creditors of, and all others interested in, the estate do show cause, if any they can, at

Thirty days after the publication of this notification or thereafter, proceedings will be commenced under the authority of §58.1-3965, et seq. of the Code of Virginia, to sell the following parcel(s) of real property situated in the City of Norfolk, Virginia, for payment of delinquent real estate taxes:

2436 Palmyra Street, Norfolk, VA (Tax Account No. 2431-3800) The owners of any property may redeem them at any time before the date of the sale by paying all accumulated

It is further ORDERED, pursuant to Va. Code Ann. 9:00 AM on the 23rd day of May, taxes, penalties, reasonable attorney's fees, interest and 2012, before this Court at its courtroom in Chesapeake costs thereon, including the pro rata cost of publication §8.01-321, that the Order of Publication be published once a week for two successive weeks in Inside

against the payment and delivery of the Estate of the said Virginia B. Nero, deceased, to the distributes named in her Will filed by the Executor with this Court, without requiring refunding bonds. It is further ORDERED that this Show Cause Order be published once a week for two successive weeks in Inside Business, a newspaper published and having general circulation in the City of Chesapeake.

hereunder. Partial payment of delinquent taxes, penalties, reasonable attorney's fees, interest or cost shall not be sufficient to redeem the property, and shall not operate to suspend, invalidate or make moot any action for judicial sale brought pursuant to §58.1-3965. F. Sullivan Callahan Attorney for the City Treasurer

It is so ORDERED. ENTERED this 19th day of April, 2012 Faye W. Mitchell, Clerk Teste: Courtney C. Lee, Deputy Clerk I ASK FOR THIS: M. Powell Peters, Esquire Wolcott Rivers Gates 301 Bendix Road, Suite 500 Virginia Beach, Virginia 23452-1385 Telephone: (757) 497-6633 Fax; (757) 497-7267

23023430

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF NORFOLK CITY OF NORFOLK, a Municipal corporation, by and through its CITY TREASURER, THOMAS W. MOSS, JR., Complainant,

23010393 3x TAX/JUDICIAL SALES COMMONWEALTH OF VIRGINIA In re: Marissa Zhane Artis, Newport News Circuit Court V. born January 1, 1995 2500 Washington Avenue, VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF Newport News, VA 23607 RAMON L. CORA, et als., NORFOLK Defendants. Case No: CA12-19 In Re: Josephine Maria Pitalua, a minor, born CITY OF NORFOLK, a Municipal CIVIL CASE NO. CL12-3216 ORDER OF PUBLICATION corporation, December 3, 2007 by and through its CITY The object of this suit is for the Petitioners, Robert ORDER OF PUBLICATION Mitchell and Susan Mitchell, to obtain a Step-Parent TREASURER, THOMAS W. FRANK H. HUFFMAN Adoption of a minor. TO: Ramon L. Cora, et als. MOSS, JR., SUSAN TAYLOR HUFFMAN Complainant, An affidavit having been made and filed that due The object of this suit is to enforce the lien for taxes diligence has been used by the Petitioners without effect v. assessed by the City of Norfolk, Virginia against certain to ascertain the location of the Djuan LaRoy Artis, his last V. real property whose legal description is 39 25 FT. for known address being Decatur Avenue located within the Account #0944-9900. City of Virginia Beach and that his present address is PATRICIA MARY TESSLER SAMUEL HARRIS, et als., unknown; ELIAS PITALUA BASURTO An Affidavit having been made and filed that diligence Defendants. has been used without effect to ascertain the location It is ORDERED that Djuan LaRoy Artis appear and protect his interest, on or before June 6, 2012, which date is no sooner than fifty days after entry of this order of publication. It is further ORDERED that this Order of Publication be published once a week for four successive weeks in Inside Business, a newspaper of general circulation in this City. Faye Watford Mitchell, Clerk By: Courtney C. Lee, D. C. Date: April 12, 2012

CIVIL CASE NO. CL12-3112

Case No. CL1200019T-01 ORDER OF PUBLICATION

ORDER OF PUBLICATION

The object of this suit is to: adoption of Josephine Marie Pitalua, a minor, born December 3, 2007.

TO: Ernest W. Turnbull and Frances N. Crenwshaw as Fleet Mortgage Corp.

It is ORDERED that ELIAS PITALUA BASURTO appear at the above-named court and protect his/her interests on or before June 19, 2012.

The object of this suit is to enforce the lien for taxes assessed by the City of Norfolk, Virginia against certain real property whose legal description is Lots, 7, 9 & 8FT 11 BLK 18 for Account #1903-8000 & 2478-3700

Date: 4/20/12 Rex A. Davis ,Clerk By: Brenda Johnson D.. C. 23023710

An Affidavit having been made and filed that diligence has been used without effect to ascertain the location of Ernest W. Turnbull and Frances N. Crenshaw as well as Fleet Mortgage Corp., and that there are or may be persons interested in the subject property, because they are the heirs, devisees, and successors in title of Willie Davis, Mary M. Davis and Charles D. Bates, who may be deceased, whose names and addresses are unknown, it is hereby ORDERED that each of the parties appear on or before the 25th day of May, 2012 and do whatever is necessary to protect their interests in said property.

22993224

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF NORFOLK

ESTATES

KIONNA SINGLETON-WILLIAMS VIRGINIA: IN THE CIRCUIT COURT AND OF THE CITY OF VIRGINIA BEACH MAURICE PROFFESSOR WILLIAMS, ESTATE OF REBECCA BLAND DEVANY,

Plaintiffs, DECEASED V.

PR2011-439

It is further ORDERED, pursuant to Va. Code Ann. §8.01-321, that the Order of Publication be published once a week for two successive weeks in Inside Business, a newspaper of paid circulation in the City of Norfolk, and that a copy be posted at the front door of the Courthouse at Norfolk, Virginia. George E. Schaefer, III, Clerk By: Toni Duquette, Deputy Clerk

NOTICE

SIMON MAKOKO, Defendant. CASE NO.: CA12-22 ORDER OF PUBLICATION The object of this suit is for Maurice Proffessor Williams to adopt, as a stepparent adoption, the child of Kionna Singleton-Williams and Simon Makoko. It appearing from an affidavit that the respondent is not a resident of this Commonwealth or that diligence has been used by or on behalf of the petitioners to ascertain in what county or city the respondent is, but respondent has not been located. It is ORDERED that SIMON MAKOKO, appear and protect his interest, on or before June 8, 2012, which date is no sooner than fifty days after entry of this order of publication.

Pursuant to Section 64.1-171 of the Code of Virginia, as amended, at the request of the personal representative of the Estate of REBECCA BLAND DEVANY, DECEASED, I have fixed the 1 7 t h DAY OF MAY 2012, at 10:00 a.m., as the time, and my office, 4705 Columbus Street, Virginia Beach, Virginia 23462, as the place, for receiving proof of debts and demands against the said decedent or the Estate. Stephanie C. Smith Commissioner of Accounts Circuit Court City of Virginia Beach, Virginia 23018382

An Affidavit having been made and filed that diligence has been used without effect to ascertain the location of John McCall, Vernette Corprew, Andretta Nickens and James F. Gay as well as Hall Construction, Inc. , including its shareholders, officers, directors and trustees in liquidation, and that there are or may be persons interested in the subject property, because they are the heirs, devisees, and successors in title of John McCall, Vernette Corprew and Andretta Nickens, who may be deceased, as well as Hall Construction, Inc., whose names and addresses are unknown, it is hereby ORDERED that each of the parties appear on or before the 1st day of June, 2012 and do whatever is necessary to protect their interests in said property.

I ask for this: F. Sullivan Callahan VSB #19520 Counsel for Plaintiff 327 Duke Street Norfolk, VA 23510 (757) 623-5000 - tel 23012122

Business, a newspaper of paid circulation in the City of Norfolk, and that a copy be posted at the front door of the Courthouse at Norfolk, Virginia. George E. Schaefer, III, Clerk By: Toni Duquette, Deputy Clerk Sent to IB: May 1, 2012 I ask for this: F. Sullivan Callahan VSB #19520 Counsel for Plaintiff 327 Duke Street Norfolk, VA 23510 (757) 623-5000 - tel

23023986

Send your business news to inside.business@insidebiz.com

Ramon L. Cora and that there are or may be persons interested in the subject property, because they are the heirs, devisees, and successors in title of Ramon L. Cora, who may be deceased, whose names and addresses are unknown, it is hereby ORDERED that each of the parties appear on or before the 1st day of June, 2012 and do whatever is necessary to protect their interests in said property. It is further ORDERED, pursuant to Va. Code Ann. §8.01-321, that the Order of Publication be published once a week for two successive weeks in Inside Business, a newspaper of paid circulation in the City of Norfolk, and that a copy be posted at the front door of the Courthouse at Norfolk, Virginia. George E. Schaefer, III, Clerk By: Toni Duquette, Deputy Clerk Sent to IB: May 1, 2012 I ask for this: F. Sullivan Callahan VSB #19520 Counsel for Plaintiff 327 Duke Street Norfolk, VA 23510 (757) 623-5000 - tel

Inside Business

The Hampton Roads Business Journal

23023892

VIRGINIA: IN THE CIRCUIT COURT OF THE CITY OF NORFOLK CITY OF NORFOLK, a Municipal corporation, by and through its CITY TREASURER, THOMAS W. MOSS, JR., Complainant, V. JOHN MCCALL, Trustee of St. Andrews Church of God in Christ, et als., Defendants. CIVIL CASE NO. CL12-3215 ORDER OF PUBLICATION TO: John McCall, Vernette Corprew, Andretta Nickens and

to advertise 222-3165 for news inquiries 222-5349 for legal notices 222-5346

80 » INSIDE BUSINESS » MONDAY, MAY 7, 2012

Brian holland

President/CEO, Atlantic Bay Mortgage Group

rafe wilkinson CEO, Old Dominion Security Co.

Age: 40 • www.atlanticbay.com YPO VA Chapter Chair

Age: 46 • www.ODS-Security.com YPO Virginia Education Chair

“The genuine care and consultation of our clients is our highest mission. We pledge to provide them the finest personal service, so they will enjoy the entire mortgage process and become clients for life.”

“It’s our mission as a partner to our clients to enhance security through training, elevate through industry leadership and motivate through achievement.”

ed augustine

bob golden

President/CEO, Paramount Builders

CEO/Chairman, The GBS Group and GBS Connected

Age: 47 • www.paramountbuilders.com YPO Virginia Chapter Vice Education Chair

Age: 48 • www.thegbsgroup.us YPO VA Forum Chair

“The mission of Paramount Builders is to improve our community one home at a time. As a company, our goal is to establish the highest standard of excellence and integrity for our industry in our market and beyond.”

“The GBS Group provides engineering, software development, and enabling technology services for businesses operating trains, ships, buildings, oil rigs. GBS Connected provides digital systems integration for consumer yachts, homes, and offices. We improve reliability, longevity, and performance of high value assets through customized, innovative solutions.”

Jeff Wassmer

Pat feliciano

President, Spectrum Comm Inc.

Co-Founder, Doma Technologies

Age: 49 • www.sptrm.com YPO Virginia

Age: 47 • www.domaonline.com YPO Virginia

“Spectrum is an employee-owned consulting and technology firm focused on the needs of the Department of Defense and Intelligence community. Founded in 1999, we have more than 300 employee-owners serving customers throughout the world.”

“DOMA’s mission is to continue meeting and exceeding customer expectations through consistent delivery of turnkey document management solutions tailored to meet customer requirements on time and within budget.”

Andy Frank Founder, COO, UDig, LLC

Age: 41 • www.udig.com YPO Virginia Membership Chair “At UDig, we collaborate with you to fully understand your business and company culture to ensure we are filling the holes in your IT staff with the best fit possible. We reduce the time it takes to identify and qualify the perfect candidate for your position.”

John Biagas President/CEO, Bay Electric Co, Inc.

Age: 47 • www.bayelectricco.com YPO Virginia “Bay Electric Co, Inc. specializes in general contracting as well as in design/build general and electrical construction, security/technology solutions and services, and solar photovoltaics; we approach each project with a cooperative state of mind and a common goal: a successful project delivery.”

Jeff Moore President, Matrix Capital Markets Group, Inc.

Age: 52 • www.matrixcmg.com YPO/WPO Virginia “Since 1988, Matrix has provided hands-on merger & acquisition advisory services to hundreds of privately-held and private equity owned companies. We pride ourselves on maintaining absolute confidentiality for our clients and offering a level of expertise rarely found in our industry.”

Benefits of Membership

• Forum – Confidential monthly meetings (non-solicitation mandate) • World Class speakers in International and U.S. conferences • Member exclusive events and benefits • Member to Member Xchange:

This strictly confidential, member-driven service is available to all members and spouses of YPO and allows you to conveniently submit requests for business, personal and health assistance in a safe environment to over 25,000 executive resources.

www.ypova.org For more information contact: Chapter Chair: Brian Holland: (757) 213-1660 Education Chair: Rafe Wilkinson: (804) 521-7897 Education Vice Chair: Ed Augustine: (757) 340-9000 Membership Chair: Andy Frank: (804) 527-0005 Forum Chair: Bob Golden: (757) 965-4274 YPO Virginia is a group of top Virginia CEO’s and Presidents. More than 300 chapters form the foundation of YPO, providing members with instant access to their local business peers. The chapter experience takes on an added dimension when members connect regionally and internationally through online discussions, Global Conference Calls, Networks, Groups, industry roundtables, presidents’ seminars, leadership summits and much more. Whether a young leader heads an entrepreneurial startup, a family-owned business or a multinational company, the YPO network provides the advantage of a powerful connection to 17,000 peers.