NOTICE OF TRUSTEE’S SALE Notice is hereby given by the undersigned Successor Trustee, in accordance with the provisions of that certain Deed of Trust dated February 16, 2024, and recorded in the office of the Clerk of the County Commission of Upshur County, West Virginia on February 27, 2024, in Trust Deed Book 666, Page 465 made by Rachel D. Farance and Coleman W. Farance in favor of Terry Reed, as Trustee (the “Deed of Trust”), securing repayment of indebtedness evidenced by that certain Promissory Note dated February 16, 2024 payable to the order of BC Bank, Inc. (along with any renewals, adjustments, extensions, or modifications, the “Note”), in the original principal amount of $100,000.00, plus interest thereon, and all other indebtedness arising under the Deed of Trust and the Note. Pursuant to authority granted in the Deed of Trust, BC Bank, Inc., the owner and holder of the Note secured by the Deed of Trust, appointed C. Seth Wilson, a resident of Monongalia County, West Virginia, to serve as Successor Trustee, by that certain Notice of Substitution of Trustee, dated January 3, 2025, of record in the aforesaid Clerk’s office in Book 673, at page 532. BC Bank, Inc., the owner and holder of the Note secured by the Deed of Trust, has notified the Successor Trustee that Rachel D. Farance is in default under the terms of the Deed of Trust and the Promissory Note, and has requested, in writing, that the Successor Trustee sell the real property described in the Deed of Trust at public auction, in accordance with the terms of the Deed of Trust and applicable law. TAKE NOTICE that the undersigned Successor Trustee will offer for sale at public auction on the 23rd day of June, 2026, at 12:00 p.m., prevailing Eastern time, at the front door of the Upshur County Courthouse, 40 West Main Street, Buckhannon, West Virginia 26201, all those certain lots, tracts, or parcels of land together with the buildings and improvements thereon, easements, rights of way, and the appurtenances thereunto belonging situate in Upshur County, West Virginia, commonly known as 22 Elizabeth Street, Buckhannon, West Virginia 26201, and being more particularly bounded and described as follows (hereinafter, the “Real Property”): All that certain tract, lot or parcel of land, together with the improvements thereon and the appurtenances thereunto belonging, including any manufactured structures, mobile homes, double wide or modular homes, situate on Elizabeth Street and Victoria Street in the City of Buckhannon, in Corporation District, Upshur County, West Virginia, being Lot No. Eight (8) in Block No. Six (6) of the Victoria Place Addition as shown on the plat of Victoria Place, recorded in the Office of the Clerk of the County Commission of Upshur County, West Virginia, in Plat Book 1 at page 53, said lot fronting 50 feet on Elizabeth Street and rimming back by parallel lines with Victoria Street 120.7 feet on the southeastern lot line and 124.12 feet on the northwestern line to an alley. The property herein described is the same tract conveyed to Carolyn Sue Riffle by First Community Bank, by deed dated December 23, 2000, and of record in the Office of the Clerk of the County Commission of Upshur County, West Virginia in Deed Book 423 at page 347. Subsequently by deed dated February 2, 2024, and to be recorded in said Clerk’s Office prior to or simultaneously with this trust deed, Carolyn Sue Riffle conveyed the subject property to Rachel D. Farance and Coleman W. Farance. There is excepted and reserved from the aforesaid property all of the coal, oil and gas in, upon and underlying the same together with the necessary mining and removal rights, as the same have heretofore been excepted and reserved or conveyed away by the present or former owners. This conveyance is made subject to all existing reservations, restrictions, exceptions, conditions, easements, rights of way or other servitudes, if any, made, reserved or created in prior deeds of record in said Clerk’s office, or which would be disclosed by a visual inspection of the premises. For the stated consideration, the Grantor does further grant and convey unto the Trustee all rights of way and easements, together with all appurtenances pertaining to the aforesaid real estate, whether presently owned or hereinafter acquired, which are matters of record in said Clerk’s office or otherwise. TERMS OF SALE The Real Property will be sold for (a) cash in hand on the date of sale, (b) a ten percent (10%) down payment due on the date of sale with the remaining purchase money due on or before the thirtieth (30th) day following the sale date, or (c) under any different, other, or additional sale terms as the Successor Trustee, in his reasonable discretion, determines to be appropriate or advisable. The sale shall be further subject to the following: 1. Real estate taxes delinquent, due or payable or to become due and payable, all of which shall be the responsibility of the purchaser, 2. Any statutory lien or liens that may affect the subject property, 3. All covenants, conditions, restrictions, reservations, easements and rights of-way appearing of record in the chain of title to the property, or which may be visible from a physical inspection of the subject property, 4. All liens and encumbrances of any nature whatsoever, including, without limitation, liens for real estate taxes, incinerator, sanitary and sewer charges, having priority over the deeds of trust referred to herein. 5. The purchaser at the sale shall be responsible for paying the costs of recording the Successor Trustee’s Deed and the tax imposed by the State of West Virginia on the privilege of transferring real property (the cost of the tax stamps to be affixed to the Deed). 6. All of the property to be sold will be sold “AS IS, WHERE IS” in the present condition and with all faults and defects, if any, and without any warranty or representation, express or implied. The Successor Trustee shall be under no duty to cause any existing tenant or person occupying the Real Property to vacate said property. The Successor Trustee will deliver a trustee’s deed to the purchaser without any covenant or warranty (express or implied) in the form prescribed by W. Va. Code 38-1-6. The Successor Trustee makes no representations and warranties about the title to the real estate to be conveyed. If the Successor Trustee is unable to convey insurable or marketable title to the purchaser for any reason, purchaser’s sole remedy is return of deposit. 7. In the event that there are federal tax liens against the property, the United States would have the right to redeem the property within a period of 120 days from the date of such sale or the period allowable for redemption under local law, whichever is longer. 8. The undersigned Successor Trustee expressly reserves the right to reject any and all bids, and the right to adjourn the sale from time to time without notice other than oral proclamation at the time and place appointed for the sale. Such adjournment may be for a period of time deemed expedient by the beneficial owner and shall not be construed to be a waiver of the right to make the sale contemplated by this Notice. 9. The beneficiary of the Deeds of Trust and holder of the Note thereby secured reserves the right to submit a bid for the Real Property at the sale, which bid may be in the form of a credit bid. 10. The successful bidder will be required to execute a memorandum of sale upon the acceptance of the successful bid by the Successor Trustee. 11. The sale is subject to post-sale confirmation that none of the grantors filed for bankruptcy protection before the conclusion of bidding, in which case the sale will be null and void and the purchaser’s sole remedy, at law or in equity, will be return of deposit without interest. 12. The trustee’s sale shall be open to online bidders. 13. A 10% buyer’s premium will be added to the high bid for the Real Property. The high bidder shall pay the buyer’s premium plus an additional 10% of its bid on the day of the sale (the “Good Faith Deposit”), with the balance to be paid in cash at closing within 14 days after the date of sale. 14. In the event there is a conflict between the property description or other sale terms set forth in this notice and the property description or sale terms set forth in any marketing materials produced by any third party, the property description and sale terms in this notice shall control and be the subject of the proposed sale set forth in this notice. Additional terms of sale may be announced prior to the sale. Any inquiries regarding this sale may be directed to C. Seth Wilson, Esq., Substitute Trustee, Bowles Rice, LLP, 125 Granville Square, Suite 400, Morgantown, West Virginia 26501, Telephone: (304) 285-2500. DATED this 20th day of May, 2026. /s/ C. Seth Wilson C. Seth Wilson, Esq., Substitute Trustee
BOWLES & RICE, LLP
600 QUARRIER ST
CHARLESTON
WV
25301
304-347-1140
ID: 1509123