NOTICE OF TRUSTEE'S SALE NOTICE OF TRUSTEE'S SALE is hereby given pursuant to and by virtue of the authority vested in the Substitute Trustee, WV Trustee Services, LLC, by that certain Deed of Trust dated January 9, 2003, executed by Borrower(s), Jay D Stephens and Alma Mae Stephens, to Mitchell Lee Klein, the Trustee of record in the office of the Clerk of the County Commission of Cabell County, West Virginia, in Book 1806, at Page 565. At the time of the execution of the Deed of Trust, this property was reported to have a mailing address of 408 Rotary Rd, Huntington, WV 25705. WV Trustee Services, LLC were appointed as Substitute Trustees by APPOINTMENT OF SUCCESSOR TRUSTEE dated September 15, 2025, of record in the Clerk's Office in Book 425, Page 334. The borrower(s) defaulted under the Note and Deed of Trust and the Substitute Trustees have been instructed to foreclose under the Deed of Trust. Accordingly, the Substitute Trustees will sell the following described property to the highest bidder at the front door of the Courthouse of Cabell County, in Huntington, West Virginia, on the following date: 19th day of November, 2025 at 11:00 a.m. All that certain lot, piece or parcel of land situate in the City of Huntington, Cabell County, West Virginia, known and designated on a map of W.C. Jarrell's Simme Street Subdivision of the said City of Huntington made by Oliver and Maupin, Civil Engineers, which map was filed in the County Court Clerk's Office of said Cabell County, and recorded in Deed Book 202, at Page 379, and being a part of the Wm. C. Jarrell six acre tract, and being a parcel of ground and land 40 x 120 feet, and facing and fronting on Simms Street, as LOT NUMBER TWO (2); BEGINNING at a point at the intersection of the East line of Rotary Road with the South line of Jarrell Street; thence with the South line of Jarrell Street in an easterly direction 120.00 feet to a point; thence with the East line of Lot 2 in a southerly direction 40.00 feet to a point; thence with line between Lots 1 and 2 in a westerly direction 120.00 feet to a point in the East line of Rotary Road; thence with said line in a northerly direction 40.00 feet to the place of BEGINNING, as shown on a plat made by B & D Surveying, Inc., attached to Deed recorded in the Office of the Clerk of the County Commission of Cabell County, West Virginia, in Deed Book No. 799, Pg. 246. LAST SOURCE OF TITLE: DEED BOOK 985, AT PAGE 628 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) The Purchaser shall be responsible for the payment of the transfer taxes imposed by the West Virginia Code 11-22-1. 3) 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. 4) The Trustee 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 Trustee. 5) The Trustee shall be under no duty to cause any existing tenant or person occupying the property to vacate said 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. 6) The total purchase price is payable to the Trustee within thirty (30) days of the date of sale, with ten (10%) of the total purchase price payable to the Trustee at sale. WV Trustee Services, LLC, Substitute By: Jim Ashley, Limited Signing Officer WV Trustee Services, LLC McGuire Office Center 618 Tenth Street, Suite 108 Huntington, WV 25701 (304) 853-3336 jim.ashley @wvtrusteeservices. com LH-363360 10-29,11-05,12;2025