Pursuant To the Revised Code of Washington 61.24, et seq. On February 05, 2010 at 10:00AM Inside the main lobby of the: Pacific County Courthouse,300 Memorial Avenue, South Bend, State of Washington, the undersigned Trustee, RECONTRUST COMPANY, N.A., (subject to any conditions imposed by the trustee to protect the lender and borrower) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property, situated in the county(ies) of Pacific, State of Washington: Tax Parcel ID no.: 76008024003 LOTS 3 AND 4 IN BOOK 24 OF NAHCOTTA, ACCORDING TO THE PLAT THEREOF ON FILE IN THE OFFICE OF THE AUDITOR OF PACIFIC COUNTY, WASHINGTON. TOGETHER WITH THE SOUTH HALF OF VACATED B STREET THAT ACCRUES THERETO BY OPERATION OF LAW. SITUATE IN THE COUNTY OF PACIFIC, STATE OF WASHINGTON. Commonly Known as: 26811 DELL ST, NAHCOTTA, WA 98637 which is subject to that certain Deed of Trust dated 12/21/2006, recorded on 12/27/2006, under Auditor's File No. 3099190 and Deed of Trust re-recorded on ___, under Auditor's File No. __, records of Pacific County, Washington from CHRISTINA L KOWALL WHO ACQUIRED TITLE AS CHRISTINA L. EDWARDS AS HER SEPARATE ESTATE, as grantor, to ORANGE COAST TITLE CO., as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., under an Assignment/Successive Assignments recorded under Auditor's File No. 3122690. 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 secured by the Deed of Trust. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: A. Monthly Payments $22,038.40 B. Late Charges $206.94 C. Beneficiary Advances $6,698.36 D. Suspense Balance ($485.00) E. Other Fees $ 60.00 Total Arrears $28,518.70 F. Trustee's Expenses (Itemization) Trustee's Fee $337.50 Title Report 873.18 Statutory Mailings $21.96 Recording Fees $88.00 Publication $750.00 Posting $200.00 Total Costs $2,270.64 Total Amount Due: $30,789.34 Other potential defaults do not involve payment of the Beneficiary. If applicable, each of these defaults must also be cured. Listed below are categories of common defaults, which do not involve payment of money to the Beneficiary. Opposite each such listed default is a brief description of the action/documentation necessary to cure the default. The list does not exhaust all possible other defaults; any defaults identified by Beneficiary or Trustee that are not listed below must also be cured. OTHER DEFAULT ACTION NECESSARY TO CURE Nonpayment of Taxes/Assessments Deliver to Trustee written proof that all taxes and assessments against the property are paid current Default under any senior lien Deliver to Trustee written proof that all senior liens are paid current and that no other defaults exist. Failure to insure property against hazard Deliver to Trustee written proof that the property is insured against hazard as required by the Deed of Trust. Waste Cease and desist from committing waste, repair all damage to property and maintain property as required in Deed of Trust. Unauthorized sale of property (Due on Sale) Revert title to permitted vestee. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal Balance of $240,800.00, together with interest as provided in the note or other instrument secured from 10/01/2008 and such other costs and fees as are due under the Note or other instrument secured, and as are provided by statute. V. The above-described real property will be sold to satisfy the expense of the sale and the obligation secured by the Deed of Trust as provided by statute. The sale will be made without warranty, express or implied regarding title, possession, or encumbrances on 02/05/2010. 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 01/25/2010 (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 01/25/2010 (11 days before the sale date), the defaults(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 01/25/2010 (11 days before the sale date), and before the sale by the Borrower, Grantor, and 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): CHRISTINA L KOWALL PO Box 16 Nahcotta, WA 98637 CHRISTINA L KOWALL 26811 DELL ST NAHCOTTA, WA 98637 CHRISTINA L KOWALL 14470 MOUNTAIN RD PURCELLVILLE, VA 20132-3633 CHRISTINA L KOWALL C/O INGRAM, ZELASKO & GOODWIN, LLP ATTORNEYS AT LA ABERDEEN, WA 98520 CHRISTINA L KOWALL P.O. BOX 1106 ABERDEEN, WA 98520 CHRISTINA L KOWALL 32429 NE 24TH STREET CARNATION, WA 98014 CHRISTINA L KOWALL P O BOX 16 NAHCOTTA, WA 98637 CHRISTINA L KOWALL PO BOX 1623 OCEAN PARK, WA 98640 by both first class and either certified mail, return receipt requested, or registered mail on 07/10/2009, proof of which is in the possession of the Trustee; and on 07/11/2009 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 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 above-described property. IX. Anyone having any objections 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 of the purchaser has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, Chapter 59.12 RCW. DATED: October 28, 2009 RECONTRUST COMPANY, N.A. By: Hollie Ortiz Its: Assistant Secretary RECONTRUST COMPANY, N.A. 1800 Tapo Canyon Rd., CA6-914-01-94 SIMI VALLEY, CA 93063 Phone: (800) 281-8219 (TS# 09-0095486) 1006.56674-FEI

Published Jan. 6 and Jan. 27, 2010

Legal No. 008-10

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