NOTICE OF DEFAULT AND FORECLOSURE SALE

NOTICE OF DEFAULT AND FORECLOSURE SALE WHEREAS, a certain Deed of Trust dated December 20, 2002, was executed by Eugene I. Snedden and Evelyn I. Snedden to C. William Harmison, Trustee, securing Financial Freedom Senior Funding Corporation in the amount of $216,504.00, of record in the Clerk’s Office in Book 205, at Page 784. This Deed of Trust was assigned from by Financial Freedom Senior Funding Corporation to Mortgage Electronic Registration Systems Inc. (“MERS”) by Assignment dated September 25, 2009, of record in the Clerk’s Office in Book 13, at Page 644. Further Assigned from Mortgage Electronic Registration Systems Inc. (“MERS”) to The Secretary of Housing and Urban Development by Assignment dated April 29, 2014, of record in the Clerk’s Office in Book 15, at Page 105; and WHEREAS, a certain Second Deed of Trust dated December 20, 2002, was executed by Eugene I. Snedden and Evelyn I. Snedden to Senior Official with responsibility for Single Family Mortgage Insurance Programs in the Department of Housing and Urban Development Field Office with jurisdiction over the property or a designee of that Official, Trustee, securing The Secretary of Housing and Urban Development in the amount of $216,504.00, of record in the Clerk’s Office in Book 205, at Page 793; and WHEREAS, a default has been made in the covenants and conditions of the above Deeds of Trust in the payment due on September 27, 2024, 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 8, 2026 is $256,875.07; and; WHEREAS, by virtue of this default, the Secretary has declared the entire amount of the indebtedness secured by the Deeds of Trust to be immediate due and payable; and NOW THEREFORE, pursuant to powers vested in it 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 Bailey & Slotnick as Foreclosure Commissioner by FORECLOSURE COMMISSIONER DESIGNATION dated November 7, 2017, recorded in the Office of the Clerk of the County Commission of Morgan County, West Virginia, in Book 441, at Page 158, notice is hereby given that the borrowers have defaulted under the Deeds of Trust and the Foreclosure Commissioner will sell the following property described to the highest bidder at the front door of the Courthouse of Morgan County, in Berkeley Springs, West Virginia, on: TUESDAY, JUNE 16, 2026, AT 10:00 O’CLOCK A.M. All of the following described real estate, together with all the rights, improvements, privileges, rights of way and appurtenances thereunto or in anywise appertaining, situate on the north side of Luther Michael Road (W.Va. County Route 38/8) in Rock Gap District, Morgan County, West Virginia, more particularly described as follows: BEGINNING at a 5/8 inch iron rod on the east side of Luther Michael Road (W.Va. County Route 38/8), being a common corner to Fred G. Walter, Jr. (D.B. 104 Pg. 714), Evelyn M. Maslauskas (W.B. 14 Pg. 518) and the original tract; thence, running along and near the east side of the road with said Maslauskas and the original tract, S 35° 45′ 33″ W, 424.86 feet to a metal fence post near the intersection of Luther Michael Road with W. Va. County Route 28/1, being another corner to said Maslauskas, and a corner to Cy Maslauskas (D.B. 183 Pg. 349) and the original tract; thence, with said Cy Maslauskas and the original tract and crossing the intersection, N 71° 54′ 18″ W, 244.29 feet to the center of said Luther Michael Road; thence, with the center of same and with the original tract, N 72° 44′ 03″ W, 178.65 feet to a point; thence, leaving said Luther Michael Road and extending into the original tract with a recent 8.139 acre out conveyance, the following five courses: N 09° 34′ 34″ E, 84.22 feet (passing a 5/8 inch iron rod at 18.15 feet) to a 5/8 inch iron rod, set; thence, N 20° 08′ 09″ E, 128.73 feet to a 5/8 inch iron rod; thence, N 11° 42′ 34″ E, 183.64 feet to a 5/8 inch iron rod; thence, N 05° 50′ 10″ E, 92.33 feet to a 5/8 inch iron rod; thence, N 37° 36′ 14″ W, 170.25 feet to a 5/8 inch iron rod in the line of Raymond and Teresa A. Diebold (D.B. 166 Pg. 697) and the original tract; thence, with said Diebold and the original tract, N 79° 34′ 03″ E, 1166.67 feet to a 5/8 inch iron rod corner to said Diebold, said Walter, and the original tract; thence, with said Walter and the original tract and crossing Luther Michael Road obliquely, S 39° 27′ 40″ W, 784.50 feet to the Point of Beginning and containing 12.48 acres. And being a portion of the same tract of land conveyed from Charles H. Goodman and Beatrice Goodman, husband and wife, unto Eugene I. Snedden and Evelyn I. Snedden by deed dated January 25, 1982, of record in the Clerk’s Office in Deed Book 120, at Page 20. Evelyn I. Snedden died on March 29, 2016, and in accordance with the survivorship provision contained in that Deed, title vested solely in Eugene I. Snedden. TOGETHER WITH a non-exclusive, forty (40) foot wide right of way for access to the herein described 12.48 acre tract lying west of and adjacent to the following described line: “BEGINNING at a point on the center line of Luther Michael Road (W.Va. County Route 38.8), being the southwest corner of the herein described 12.48 acre tract; thence, N 09° 34′ 34″ E, 40.00 feet to a point in the west line of the herein described tract.” At the time of the execution of the Deeds of Trust, this property was reported to have an address of: 765 Luther Michael Road, Berkeley Springs, WV 25411. TERMS OF SALE: 1) The property will be conveyed in an “AS IS” physical condition by Deed containing no warranty, express or implied, subject to the Internal Revenue Service right of redemption, all property taxes, prior Deeds, liens, reservations, encumbrances, restrictions, rights-of-ways, easements, covenants, conveyances and conditions of record in the Clerk’s office or affecting the subject property. 2) There will be no proration of taxes, rents or other incomes 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 date of the foreclosure sale. 3) The Purchaser shall be responsible for the payment of the transfer taxes imposed by the West Virginia Code § 11-22-2. 4) The Beneficiary and/or the Servicer of the Deed of Trust and Note reserve the right to submit a bid for the property at sale. 5) The Foreclosure Commissioner reserves the right to continue sale of the subject property from time to time by written or oral proclamation, which continuance shall be in the sole discretion of the Foreclosure Commissioner. 6) The Foreclosure Commissioner shall be under no duty to cause any existing tenant or person occupying the property to vacate the property, and any personal property and/or belongings remaining at the property after the foreclosure sale will be deemed to constitute ABANDONED PROPERTY AND WILL BE DISPOSED OF ACCORDINGLY. 7) The total purchase price is payable to the Foreclosure Commissioner by cashier’s check, cash or money order within thirty (30) days of the date of sale with a minimum deposit of $25,000.00 payable to the Foreclosure Commissioner by cashier’s check, cash or money order at the time and place of the sale. There will be no refund granted of any amount if the third-party purchaser elects not to purchase the property for any reason. 8) 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 cashier’s check or money order 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. 9) 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 deposit or, at the election of the foreclosure commissioner and after consultation with the HUD 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 representative, offer the property to the second highest bidder for an amount equal to the highest price offered by that bidder. 10) 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. The scheduled foreclosure sale shall be cancelled or adjourned if it is established, by documented written application of the borrower to the Foreclosure Commissioner not less than 3 days before the date of sale, or otherwise, that the default or 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 Deeds of Trust 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 Deeds of Trust are to be reinstated prior to the scheduled sale is $256,875.07 as of May 8, 2026, plus all other amounts that would be due under the Deeds of Trust if payments under the Deeds of Trust 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 Commissioner, 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. Given under my hand this 19th day of May, 2026. BAILEY & SLOTNICK, PLLC, FORECLOSURE COMMISSIONER By: Marc J. Slotnick, Member 500 Virginia Street East, Suite 600 Charleston, West Virginia 25301 Phone: (304) 346 1800 WV State Bar No. 5956 5-27-3tm