File No.: Trustee: 7236.25084 Northwest Trustee Services, Inc. Grantors: Katherine Alexandra Ruban, his wife, as her separate estate Grantee: HSBC Bank USA National Association, as Trustee on behalf of the certificate holders of Deutsche Alt-A Securities Mortgage Loan Trust, Series 2007-OA3 Ref to DOT Auditor File No.: 200705250699 Tax Parcel ID No.: 0321275039 Abbreviated Legal: LT 2, CITY OF TACOMA SHORT PLAT, #200512215004, PIERCE CO., WA Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. I. On September 2, 2016, at 10:00 AM Outside of the 2nd floor entry plaza, on the west side of the County-City Building, 930 Tacoma Avenue South in the City of Tacoma, 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 PIERCE, State of Washington: Lot 2, City of Tacoma short plat, according to the short plat recorded under recording number 200512215004, records of Pierce County, Washington. Commonly known as: 1428 Browns Point Boulevard Tacoma, WA 98422 which is subject to that certain Deed of Trust dated 05/17/07, recorded on 05/25/07, under Auditor's File No. 200705250699, records of PIERCE County, Washington, from Katherine Alexandra Ruban, who acquired title as, Yekaterina Kislyak, a married woman as her separate estate, as Grantor, to Stewart Title of Pierce, as Trustee, to secure an obligation "Obligation" in favor of Mortgage Electronic Registration Systems, Inc. as nominee for Westsound Bank, its successors and assigns, as Beneficiary, the beneficial interest in which was assigned by Bank of America, NA as successor by merger to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing LP by Select Portfolio Servicing, Inc., its attorney in fact to HSBC Bank USA National Association, as Trustee on behalf of the certificate holders of Deutsche Alt-A Securities Mortgage Loan Trust, Series 2007-OA3, under an Assignment/Successive Assignments recorded under Auditor's File No. 201312170398. *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 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: Amount due to reinstate as of 07/11/2016. If reinstating after this date, please contact NWTS for the exact reinstatement amount Monthly Payments $316,766.17 Late Charges $0.00 Lender's Fees & Costs $7,234.86 Total Arrearage $324,001.03 Total Amount Due: $324,001.03 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $685,220.65, together with interest as provided in the note or other instrument evidencing the Obligation from 10/01/08, 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 September 2, 2016. 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 08/22/16 (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 08/22/16 (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 08/22/16 (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, and curing all other defaults. 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 Katherine A. Ruban fka Yekaterina Kislyak 1428 Browns Point Boulevard Tacoma, WA 98422 Unknown Spouse and/or Domestic Partner of Katherine A. Ruban fka Yekaterina Kislyak 1428 Browns Point Boulevard Tacoma, WA 98422 Katherine A. Ruban fka Yekaterina Kislyak 26618 126th Lane Southeast Kent, WA 98030 Unknown Spouse and/or Domestic Partner of Katherine A. Ruban fka Yekaterina Kislyak 26618 126th Lane Southeast Kent, WA 98030 Katherine A. Ruban fka Yekaterina Kislyak 8726 South 258th Place #633 Kent, WA 98030 Unknown Spouse and/or Domestic Partner of Katherine A. Ruban fka Yekaterina Kislyak 8726 South 258th Place #633 Kent, WA 98030 Oleg Ruban aka Viktor Ruban 1428 Browns Point Boulevard Tacoma, WA 98422 Oleg Ruban aka Viktor Ruban 26618 126th Lane Southeast Kent, WA 98030 Oleg Ruban aka Viktor Ruban 8726 South 258th Place #633 Kent, WA 98030 Unknown Spouse and/or Domestic Partner of Katherine A. Ruban fka Yekaterina Kislyak 14227 Southeast 288th Street Auburn, WA 98092 Katherine A. Ruban fka Yekaterina Kislyak 14227 Southeast 288th Street Auburn, WA 98092 Oleg Ruban aka Viktor Ruban 14227 Southeast 288th Street Auburn, WA 98092 by both first class and certified mail, return receipt requested on 03/03/14 & 04/16/14, proof of which is in the possession of the Trustee; and on 03/03/14 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 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 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 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. The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Date Executed: Northwest Trustee Services, Inc., Trustee Authorized Signature 13555 SE 36th St. Suite 100 Bellevue, WA 98006 Contact: Vonnie McElligott (425) 586-1900. Ruban, Katherine Alexandra (TS# 7236.25084) 1002.265536-File No. IDX-714075 August 4, 25