Grantors: Northwest Trustee Services, Inc. PHH Mortgage Corporation Grantee: Elsa M Schirmer, as her separate estate. Tax Parcel ID No.: 74055012005 Abbreviated Legal: Lots 5 & 6 Blk 12 Pacific Park Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. I. On May 1, 2009, at 10:00 a.m. inside the main lobby of the Pacific County Courthouse, 300 Memorial Avenue in the City of South Bend, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property "Property", situated in the County(ies) of Pacific, State of Washington: Lots 5 and 6 in Block 12 of Pacific Park, per Plat thereof on file in Volume D-1 of Plats at Page 31 in the Office of the Auditor of Pacific County, Washington. Commonly known as: 1411 107TH LANE LONG BEACH, WA 98631 which is subject to that certain Deed of Trust dated 04/11/07, recorded on 04/13/07, under Auditor's File No. 3101940, records of Pacific County, Washington, from Elsa Schirmer, a single woman, as Grantor, to Pacific County Title Company, as Trustee, to secure an obligation "Obligation" in favor of Watermark Credit Union, as Beneficiary, the beneficial interest in which was assigned by Watermark Credit Union to PHH Mortgage Corporation, under an Assignment/Successive Assignments recorded under Auditor's File No. 3114053. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property's full legal description provided herein. II. No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the Obligation in any Court by reason of the Grantor's or Borrower's default on the Obligation. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate by 1/30/2009 Monthly Payments $6,590.60 Late Charges $271.10 Lender's Fees & Costs $130.00 Total Arrearage $6,991.70 Trustee's Expenses (Itemization) Trustee's Fee $506.25 Title Report $716.87 Statutory Mailings $22.96 Recording Costs $14.00 Postings $90.00 Total Costs $1,350.08 Total Amount Due: $8,341.78 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $175,802.62, together with interest as provided in the note or other instrument evidencing the Obligation from 08/01/08, and such other costs and fees as are due under the Obligation, and as are provided by statute. V. The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on May 1, 2009. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 04/20/09 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before the close of the Trustee's business on 04/20/09 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after 04/20/09 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor or the holder of any recorded junior lien or encumbrance paying the entire balance of principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any made pursuant to the terms of the obligation and/or Deed of Trust. VI. A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME AND ADDRESS ELSA SCHIRMER AKA ELSA M SCHIRMER 1411 107TH LN LONG BEACH, WA 98631 ELSA SCHIRMER AKA ELSA M SCHIRMER 3120 COURTHOUSE DR W #1B WEST LAFAYETTE, IN 47906 Unknown Spouse and/or Domestic Partner of ELSA SCHIRMER AKA ELSA M SCHIRMER 1411 107TH LN Unknown Spouse and/or Domestic Partner of ELSA SCHIRMER AKA ELSA M SCHIRMER 3120 COURTHOUSE DR W #1B LONG BEACH, WA 98631 WEST LAFAYETTE, IN 47906 by both first class and either certified mail, return receipt requested on 12/30/08, proof of which is in the possession of the Trustee; and on 12/29/08 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee, whose name and address are set forth below, will provide in writing to anyone requesting it a statement of all foreclosure costs and trustee's fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their right, title and interest in the Property. IX. Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. X. NOTICE TO OCCUPANTS OR TENANTS - The purchaser at the Trustee's Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the deed of trust, including occupants and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, Chapter 59.12 RCW. The trustee's rules of auction may be accessed at and are incorporated by this reference. You may also access sale status at and EFFECTIVE: 1/30/2009 Northwest Trustee Services, Inc., Trustee Authorized Signature P.O. BOX 997 Bellevue, WA 98009-0997 Contact: Heather L. Smith (425) 586-1900. (TS# 7283.26002) 1002.106388-FEI.

Published April 1 and April 22, 2009

Legal No. 099-09

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