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WHEREAS, Default having been made in the payment of the indebtedness and in the terms and obligations set forth in a certain Deed of Trust, recorded in Trust Book 160, page 188, in the Office of the Scott County Register on March 19, 1999, executed by Neil Sexton and wife, Dolly Sexton, in favor of the Lender, Appalachia Habitat For Humanity, Inc., the undersigned, having been appointed Substitute Trustee by instrument recorded in Misc. Book 198, page 640, of the same office, has been directed by the Lender to foreclose upon the real property hereinafter described in accordance with the terms of said Deed of Trust and a Promissory Note, signed and executed by Neil Sexton and wife, Dolly Sexton, on March
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