BANK OWNED. REO SALE. PROPERTY SOLD "AS-IS" WITHOUT REPAIRS OR WARRANTY. THIS PROPERTY IS BEING SOLD VIA TIME LIMIT BID/AUCTION THRU 01/19/2010. PROSPECTIVE BUYERS ARE ENCOURAGED TO PERFORM DESIRED PROPERTY DUE DILLIGENCE PRIOR TO SUBMITTING A BID.MINIMUM BID IS THE LIST PRICE. BUYER IS RESPONSIBLE TO PAY A 5% WEB TRANSACTION FEE. THE BUYER MAY ALSO BE SUBJECT TO PAY A $350 BID WITHDRAWAL PENALTY. SELLER RESERVES THE RIGHT TO ACCEPT OR REJECT ANY BID.