TS No WA05000053-18-1 TO No 180112224-WA-MSI NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. Grantor: CAROL O`NEIL, AN UNMARRIED WOMAN Current Beneficiary of the Deed of Trust: CIT Bank, N.A. Current Trustee of the Deed of Trust: MTC Financial Inc. dba Trustee Corps Current Mortgage Servicer of the Deed of Trust: Financial Freedom, a division of CIT Bank, N.A. Reference Number of the Deed of Trust: Instrument No. 3109165 Parcel Number: 10112143271 I. NOTICE IS HEREBY GIVEN that on November 30, 2018, 10:00 AM, on the front steps main entrance Pacific County Courthouse, 300 Memorial Ave, South Bend, WA, MTC Financial Inc. dba Trustee Corps, the undersigned Trustee, will sell at public auction to the highest and best bidder, payable, in the form of cash, or cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of Pacific, State of Washington, to-wit: BEGINNING AT THE SOUTH QUARTER CORNER OF SECTION 21, TOWNSHIP 10 NORTH, RANGE11 WEST, OFW. M., PACIFIC COUNTY, WASHINGTON;THENCE ALONG THE CENTERLINE OF SAID SECTION 21, NORTH 02° 58` 59” EAST, 615.16 FEET;THENCE SOUTH 86° 34` 40” EAST, 690.81 FEET TO THE WEST RIGHT-OF-WAY OF SANDRIDGE COUNTY ROAD;THENCE ALONG SAID RIGHT-OF-WAY THE FOLLOWING COURSES:NORTH 13° 27` 27” EAST, 30.00 FEET;NORTH 86° 14` 40” WEST, 10.16 FEET TO THE TRUE POINT OF BEGINNING;THENCE CONTINUING NORTH 86° 34` 40” WEST, 168.81 FEET;THENCE NORTH 13° 27` 27” EAST, 2.66 FEET;THENCE NORTH 12° 57` 27” EAST, 140.17 FEET;THENCE SOUTH 79° 29` 31” EAST, 166.65 FEET TO THE WEST RIGHT-OF-WAY OF SAID COUNTYROAD;THENCE ALONG SAID RIGHT-OF-WAY SOUTH 12° 57` 27” WEST, 117.42 FEET;THENCE SOUTH 13° 27` 27” WEST, 4.56 FEET TO THE TRUE POINT OF BEGINNING, AS PERWAYNE O`NEIL SHORT SUBDIVISION NO. 81-578 ON FILE IN THE OFFICE OF PACIFIC COUNTYENGINEER, SOUTH BEND, WASHINGTON. APN: 10112143271 More commonly known as 4213 SANDRIDGE ROAD, LONG BEACH, WA 98631 which is subject to that certain Deed of Trust dated January 9, 2008, executed by CAROL O`NEIL, AN UNMARRIED WOMAN as Trustor(s), to secure obligations in favor of FINANCIAL FREEDOM SENIOR FUNDING CORPORATION, A SUBSIDIARY OF INDYMACK BANK, F.S.B. as original Beneficiary recorded January 18, 2008 as Instrument No. 3109165 and the beneficial interest was assigned to CIT Bank, N.A. and recorded March 26, 2018 as Instrument Number 3178411 of official records in the Office of the Recorder of Pacific County, Washington. II. No action commenced by CIT Bank, N.A., the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers’ or Grantors’ default on the obligation secured by the Deed of Trust/Mortgage. III. The default(s) for which this foreclosure is made is/are as follows: Failed to pay the principal balance which became all due and payable based upon the move-out by all mortgagors from the property, ceasing to use the property as the principal residence, pursuant to paragraph 7 under the Note, and pursuant to paragraph 9 of the Deed of Trust. PRINCIPAL AND INTEREST DUE INFORMATION Principal Balance as of July 31, 2017 $152,125.34 Interest due through July 31, 2018 $877.48 TOTAL PRINCIPAL BALANCE AND INTEREST DUE: $153,002.82 PROMISSORY NOTE INFORMATION Note Dated: January 9, 2008 Note Amount $297,000.00 Interest Paid To: October 6, 2017 Next Due Date: November 6, 2017 Current Beneficiary: CIT Bank, N.A. Contact Phone No: 800-441-4428 Address: 2900 ESPERANZA CROSSING, AUSTIN, TX 78758 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $152,125.34, together with interest as provided in the Note or other instrument secured, 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 sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on November 30, 2018. The defaults referred to in Paragraph III must be paid by November 19, 2018, (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 November 19, 2018 (11 days before the sale) the default as set forth in Paragraph III is paid and the Trustees’ fees and costs are paid. Payment must be in cash or with cashiers’ or certified checks from a State or federally chartered bank. The sale may be terminated any time after the November 19, 2018 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the entire 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, and curing all other defaults. VI. A written Notice of Default was transmitted by the current Beneficiary, CIT Bank, N.A. or Trustee to the Borrower and Grantor at the following address(es): ADDRESS CAROL O`NEIL 4213 SANDRIDGE ROAD, LONG BEACH, WA 98631 CAROL O`NEIL 10512 PACIFIC WAY, LONG BEACH, WA 98631 UNKNOWN SPOUSE OF CAROL O`NEIL 4213 SANDRIDGE ROAD, LONG BEACH, WA 98631 UNKNOWN SPOUSE OF CAROL O`NEIL 10512 PACIFIC WAY, LONG BEACH, WA 98631 by both first class and certified mail on May 22, 2018, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served with said written Notice of Default or the written Notice of Default was posted May 22, 2018 in 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 costs and 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 interest in the above described property. IX. Anyone having any objections to this 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 Trustees’ 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 who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. Notice to Borrower(s) who received a letter under RCW 61.24.031: THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. Dated: July 24,2018 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Alan Burton, Vice President MTC Financial Inc. dba Trustee Corps 500 Union Street, Suite 620 Seattle, WA 98101 Toll Free Number: (844) 367-8456 TDD: (800) 833-6388 For Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps SALE INFORMATION CAN BE OBTAINED ON LINE AT www.insourcelogic.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: In Source Logic AT 702-659-7766ISL Number 46279, Pub Dates: 10/31/2018, 11/21/2018, CHINOOK OBSERVER

Published October 31 and November 21, 2018

Legal No. 401-18

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