No. 13-06

File No .: 7037.97937 Grantors: Northwest Trustee Services, Inc. JPMorgan Chase Bank, National Association, successor by merger to Chase Home Finance LLC, S/B/M to Chase Manhattan Mortgage Corporation Grantee: Dwight Allen Finch and Paula June Finch, husband and wife Ref to DOT Auditor File No .: 2007255 Tax Parcel ID No .: 081008220004/6744 Abbreviated Legal: Ptn. NW1/4NW1/4, Sec. 8, T10N, R8WWM Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date on this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission Telephone: Toll-free: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: Toll-free: 1-800-569-4287. Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear. I. On February 15, 2013, at 10:00 a.m. Outside the main lobby of the Wahkiakum County Courthouse, 64 Main Street in the City of Cathlamet, 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 Wahkiakum, State of Washington: That portion of the West 531.3 feet of the Northwest Quarter of the Northwest Quarter (NW1/4 NW1/4) of Section Eight (8), Township Ten (10) North, Range Eight (8) West of the Willamette Meridian, lying Southeasterly of the Southeasterly right-of-way line of the Salmon Creek County Road; TOGETHER WITH the right of ingress and egress to take water, build and maintain a waterline for domestic purposes from a spring or creek in said legal subdivision as heretofore conveyed by deed recorded under Auditor's File No. 25054, in Volume 26 of Deeds, page 403, records of Wahkiakum County, Washington shared with the property to the North conveyed to Richard D. Norman, et. ux., by deed recorded under Auditor's File No. 35124, in Volume 58 of Deeds & Mortgages, page 392, records of Wahkiakum County, Washington. Situate in the County of Wahkiakum, State of Washington. Commonly known as: 372 Salmon Creek Road Naselle, WA 98638 which is subject to that certain Deed of Trust dated 03/19/04, recorded on 03/29/04, under Auditor's File No. 2007255, records of Wahkiakum County, Washington, from Dwight Allen Finch and Paula June Finch, husband and wife as community property, as Grantor, to Wahkiakum Title, as Trustee, to secure an obligation "Obligation" in favor of Chase Manhattan Mortgage Corp, as Beneficiary. *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 by 10/15/2012 Monthly Payments $8,800.16 Late Charges $0.00 Lender's Fees & Costs $62.82 Total Arrearage $8,862.98 Trustee's Expenses (Itemization) Trustee's Fee $750.00 Title Report $753.20 Statutory Mailings $20.45 Recording Costs $14.00 Postings $70.00 Sale Costs $0.00 Total Costs $1,607.65 Total Amount Due: $10,470.63 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $171,024.88, together with interest as provided in the note or other instrument evidencing the Obligation from 04/01/12, 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 February 15, 2013. 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 02/04/13 (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 02/04/13 (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 02/04/13 (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 Dwight Allen Finch 372 Salmon Creek Road Naselle, WA 98638 Paula June Finch 372 Salmon Creek Road Naselle, WA 98638 by both first class and certified mail, return receipt requested on 08/27/12, proof of which is in the possession of the Trustee; and on 08/28/12 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 http://www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at http://www.northwesttrustee.com and http://www.USA-Foreclosure.com. EFFECTIVE: 10/15/2012 Northwest Trustee Services, Inc., Trustee Authorized Signature P.O. BOX 997 Bellevue, WA 98009-0997 Contact: Heather L. Smith (425) 586-1900. (TS# 7037.97937) 1002.226077-File No.

Publish January 17, 2013 and February 7, 2013