Re: Choi/Oh Document Title: Notice of Trustee's Sale Grantor: Eisenhower and Carlson, PLLC. Grantee: Ki Chul Choi Jong Soon Oh (aka Jong Soon Choi) Legal Description: 11-19N-2E SE SW Reference No.: 2006-03170476 Tax Parcel Nos.: 0219113020 NOTICE OF TRUSTEE'S SALE Issued Pursuant to RCW 61.24.040 I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will, on May 4, 2012, at the hour of 10:00 a.m. at the Pierce County Superior Courthouse, 2nd floor entrance, located at 930 Tacoma Avenue South, Tacoma, WA 98402, sell at public auction to the highest and best bidder, payable at the timeof sale, the following described real property, situated in the County of Pierce, State of Washington: See attached Exhibit A for full legal description the postal address of which is more commonly known as 12704 Pacific Highway SW, Lakewood, Washington 98499, which is subject to that certain Deed of Trust dated March 14, 2006 and recorded on March 17, 2006 with the Pierce County Auditor under Recording No. 200603170476, records of Pierce County (referred to herein as "Deed of Trust"), from Ki Chul Choi and Jong Soon Oh (aka Jong Soon Choi), as Grantors, to Puget Sound Title Company,as Trustee, to secure an obligation in favor of Westside Community Bank, as Beneficiary.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 Borrower's or Grantor's default on the obligation secured by the Deed of Trust. III. The default for which this foreclosure is made is as follows: Failure to pay the following past due amounts which are in arrears: 1) All outstanding principal as of January 12, 2012:^ $461,363.26 2) All accrued interest as of January 12, 2012^$184,291.20 (per diem of $189.60) 3) Late fees:^$26,718.03 4) Other Charges:^ $3,583.21 TOTAL PAST DUE PAYMENTS:^ $675,955.70 All past due real property taxes, estimated in the amount of $17,857.95 through tax year 2009, 2010, and 2011, to Pierce County for Tax Parcel No. 0219113020. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal of $461,363.26 together with interest as provided in the Note or other instrument secured from March 14, 2006, 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. The sale will be made without warranty, express or implied, regarding title, possession or encumbrances on May 4, 2012. The defaults referred to in Paragraph III must be cured by April 23, 2012 (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 April 23, 2012 (11 days before the sale date) the default(s) as set forth in Paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated by the Grantor any time after April 23, 2012 (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 principal and interest secured by the Deed of Trust, plus costs, interest, late charges, fees and advances, if any, made pursuant to the terms of the obligations 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, Grantor, and/or Guarantor at the following addresses by both first class and certified mail, on December 16, 2011, proof of which is in the possession of the Trustee: KI CHUL CHOI JONG SOON OH AKA JONG SOON CHOI OR OCCUPANT 12704 PACIFIC HIGHWAY S LAKEWOOD WA 98449 JONG SOON OH AKA JONG SOON CHOI 3109 88TH ST S LAKEWOOD WA 98499 SUE HAYES AND JONG SOON CHOI CO-PERSONAL REPRESENTATIVES ESTATE OF KI CHUL CHOI C/O STEPHEN M HANSEN 1703 DOCK ST STE A TACOMA WA 98402 JONG SOON OH AKA JONG SOON CHOI CO-PERSONAL REPRESENTATIVE ESTATE OF KI CHUL CHOI 3109 88TH ST S LAKEWOOD WA 98499 KI CHUL CHOI 3109 88TH ST S LAKEWOOD WA 98499 JONG SOON OH AKA JONG SOON CHOI CO-PR ESTATE OF KI CHUL CHOI C/O STEPHEN M HANSEN 1703 DOCK ST STE A TACOMA WA 98402 The written Notice of Default was also posted in a conspicuous place on the real property described in Paragraph I above on December 17, 2011. The Trustee has in Trustee's possession proof of such service/posting. VII. The Trustee, whose name and address is 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 Grantor, of all their interest in the above-described 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' 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 purchase has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, Chapter 59.12 RCW. 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 non-residential tenants. After the 20th day following the sale the purchaser has the right to evict occupants and non-residential tenants by summary proceedings under chapter 59.12 RCW. For residential tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. Residential tenant-occupied property means property comprised solely of a single-family residence, or a condominium, cooperative, or other dwelling unit in a multiplex or other building containing fewer than five residential units. XI. Notice to Guarantors. If this Notice is being mailed or directed to any Guarantor, said Guarantor should be advised that: (1) the Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the trustee's sale is less than the debt secured by the deed of trust; (2) the Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the grantor in order to avoid the trustee's sale; (3) the Guarantor will have no right to redeem the property after the trustee's sale; (4) subject to such longer periods as are provided in the Washington deed of trust act, chapter 61.24 RCW, any action brought to enforce a guaranty must be commenced within one year after the trustee's sale, or the last trustee's sale under any deed of trust granted to secure the same debt; and (5) in any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the trustee's sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the trustee's sale, plus interest and costs. DATED this 25th day of January, 2012. EISENHOWER & CARLSON, PLLC Successor Trustee By: /s/ Terrence J. Donahue Terrence J. Donahue, Member Address: 1201 Pacific Avenue, Suite 1200 Tacoma, WA 98402 (253) 572-4500 INQUIRIES call 253-572-4500Ask for Gayle EXHIBIT A COMMENCING AT THE INTERSECTION OF THE NORTHWESTERLY LINE OF PACIFIC HIGHWAY AND THE SOUTH LINE OF SECTION 11, TOWNSHIP 19 NORTH, RANGE 2 EAST OF THE W.M., IN PIERCE COUNTY, WASH
INGTON; THENCE NORTH 48 DEGREES 44' EAST 414.53 FEET ALONG SAID HIGHWAY LINE FOR THE TRUE POINT OF BEGINNING; THENCE NORTH 41DEGREES 16' WEST 120 FEET TO THE EASTERLY LINE OF NORTHERN PACIFIC RIGHT-OF-WAY; THENCE NORTH 48 DEGREES 44' EAST 250 FEET; THENCE SOUTH 41 DEGREES 16' EAST 120 FEET TO SAID HIGHWAY; THENCE SOUTH 48 DEGREES 44' WEST 250 FEET TO THE POINT OF BEGINNING. SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. April 2, 23