Re: Hermstad, Karen Reference No.: 200907130695 Grantor: Thomas G. Krilich Grantee: Karen J. Hermstad Abbreviated legal description: Lots 2 & 3, SP79-85, together with easements Assessor's tax parcel No.: 0317296009 Pursuant to the Revised Code of Washington, Chapter 61.24 RCW WE ARE A DEBTCOLLECTOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE If you filed bankruptcy or have been discharged in bankruptcy, this communication is for informational purposes only and is not intended as an attempt to collect this debt from you personally. NOTICE OF TRUSTEE'S SALE I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 7th day of June, 2013, at the hour of 10:00 o'clock A.M. at the 2nd floor entrance, County-City Building, 930 Tacoma Avenue, in the City of Tacoma, State of Washington, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real property, situated in the County of Pierce, State of Washington, to-wit: Parcel A: Lot 2 and 3 of Pierce County Short Plat NO. 79-85, according to Short Plat recorded February 7, 1979 in volume 32 of Short Plats at page 63, in Pierce County, Washington; Situate in the County of Pierce, State of Washington. Parcel B: A non-exclusive easement for ingress and egress, as delineated on Short Plat NO. 79-85. Except that portion lying within Lots 2 and 3 of Pierce County Short Plat NO. 79 85; Situate in the County of Pierce, State of Washington. Parcel C: A non-exclusive easement for ingress and egress as delineated on Pierce County Large Lot Subdivision No. 1995, according to Survey recorded October 20, 1997 in Volume 20, of Surveys at page 95, in Pierce County, Washington. Except that portion lying within lots two and three of Pierce County short plat number 79 85; Situate in the County of Pierce, State of Washington. The postal address of which is more commonly known as: 35804 16th Avenue Court South, Roy, WA 98580. which is subject to that certain Deed of Trust dated July 9, 2009, recorded July 13, 2009, under Auditor's File No. 200907130695, records of Pierce County, Washington, from Karen J Hermstad, a single individual, as Grantor, to First American Title Insurance Company, as Trustee, to secure an obligation in favor of Michael T. Ferneding, as Beneficiary. Thomas G Krilich was appointed as Successor Trustee on December 21, 2012 by a document recorded on December 27, 2012, under Pierce County auditor's file number 201212270069. 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(s) for which this foreclosure is made is/are as follows: Failure to pay when due the following amounts which are now in arrears: A. Monthly Installment Payments: (Monthly Payment Default) $400 due September 1, 2012, $400 due October 1, 2012, $900 due November 1, 2012, $900 due December 1, 2012, $900 due January 1, 2013, $900 due February 1, 2013, and $900 due March 1, 2013 total monthly payment delinquency as of date of this notice^$5,300.00 B. Late charges: Late charge $90 for each payment not made within ten days of its due date from:^$540.00 TOTAL DELINQUENT PAYMENTS AND LATE CHARGES:^$$5,840.00 24,520.00 * plus all attorney's fees and costs and foreclosure fees and costs incurred Default other than failure to make monthly payments: Failure to reimburse Beneficiary for delinquent taxes through 12/27/12^$9,309.46 Total delinquency^$15,149.46 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $58,523.09, together with interest as provided in the note or other instrument secured from the 25th day of October, 2012, 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 the 7th day of June, 2013. The default(s) referred to in paragraph III must be cured by the 27th day of May, 2013 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before the 27th day of May, 2013, (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 any time after the 27th day of Mayr, 2013 (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 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 addresses: Karen J. Hermstad 35804 16th Avenue Court South Roy, WA 98580 by both first class and certified mail on the 26th day of December, 2012, proof of which is in the possession of the Trustee; and the Borrower/Grantor was personally served on the 26th day of December, 2012, with said written notice of default or the written notice of default was posted 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 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 the unlawful detainer act, chapter 59.12 RCW. For tenant-occupied property, the purchase shall provide a tenant with written notice in accordance with RCW 61.24.069. [Add Part X to this notice if applicable under RCW 61.24.040(9)] Thomas G. Krilich, Trustee 524 Tacoma Avenue South Tacoma, WA 98402 (253) 383-4704 NOTICE GUARANTORS, BORROWERS, AND/OR GRANTORS OF THE COMMERCIAL OBLIGATION SECURED BY THE DEED OF TRUST: 1. If you are a Guarantor, you may be liable for a deficiency judgment to the extent the sale price obtained