TERMS OF SALE: The Premises will be sold “AS IS, WHERE IS,” in its present

condition and with all faults and defects, if any. The property will be conveyed by deed with no

covenants of warranty of title. The property shall be sold subject to all liens not discharged by the

sale, including, without limitation, liens for real estate taxes, incinerator, sanitary and sewer

charges and liens with priority to the Deed of Trust pursuant to which this sale is being conducted.

The property shall be sold subject to all covenants, restrictions, easements, rights of way and

reservations which may be a matter of record in the aforesaid Clerk’s office or visible upon the

ground. The purchasers at the sale shall be responsible for paying the recording costs and also the

tax on the privilege of transferring real property (the cost of the tax stamps to be affixed to the

deed). The Successor Trustees and The Ohio Valley Bank Co. shall not be responsible for the

removal of any person or personal property from the Premises. The property will be sold to the

highest bidder, who shall be obligated to pay an initial deposit to the Trustees at the time of sale

in the minimum amount of 10% of the bid amount, and the remaining balance shall be paid to the

Trustees on or within 20 days of the date of the auction.

In addition to the payment of the bid, the purchaser of the property at the sale shall be

responsible for paying a 10% buyer’s premium to Joe R. Pyle Complete Auction & Realty LLC

immediately at the conclusion of the auction. This buyer’s premium is in addition to the winning

bid amount.

Pursuant to the Deed of Trust, the Successor Trustees may postpone the sale by public

announcement at the time and place designated and act by agent in the execution of the sale. The

parties secured by the Deed of Trust reserve the right to purchase the Premises at such sale.