Re: Kim/Chang APN: 6025275670 Deed of Trust Instrument No.: 200705231157 Grantor: HAEKYUNG KIM, A MARRIED PERSON AS A SEPARATE ESTATE, AND JOSEPH CHANG Grantee: Mortgage Electronic Registration Systems, Inc., as nominee for COUNTRYWIDE BANK, FSB. its successors and assigns TS No: 15-33859 NOTICE OFTRUSTEE'S SALE THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of 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: 1-877-894HOME (1-877-894-4663) Web site: http://www.dfi.wa.gov/consumers/homeownership/ The United States Department of Housing and Urban Development: Telephone: 1-800-569-4287 Web site: http://portal.hud.gov/hudportal/HUD The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Web site: http://www.ocla.wa.gov/ I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Benjamin D. Petiprin, attorney at law will on 3/3/2017, at 10:00 AM at the Second Floor Entry Plaza Outside Pierce County Courthouse, 930 Tacoma Ave South, Tacoma, WA 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: LOT 567, RADIANCE DIVISION 3, ACCORDING TO THE PLAT THEREOF RECORDED UNDER PIERCE COUNTY RECORDING NUMBER 200604145002. Commonly known as: 3038 DESTINATION AVE E FIFE, Washington 98424-3878 (aka 3038 DESTINATION AVE E TACOMA, Washington 98424-3878) which is subject to that certain Deed of Trust dated 5/21/2007, recorded 5/23/2007, under Auditor's File No. 200705231157, records of Pierce County, Washington, from HAEKYUNG KIM, A MARRIED PERSON AS A SEPARATE ESTATE, AND JOSEPH CHANG, as Grantor(s), to LS TITLE OF WASHINGTON, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., as nominee for COUNTRYWIDE BANK, FSB. its successors and assigns. HMC ASSETS LLC, SOLELY IN ITS CAPACITY AS SEPARATE TRUSTEE OF CAM XIVA TRUST is the holder of the Promissory Note and current Beneficiary of the Deed of Trust. 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: PAYMENT INFORMATION Total Monthly Payments Due: TOTAL September 1, 2009 – October 1, 2016 $125,405.89 Unpaid Fees: $2,068.14 LATE CHARGE INFORMATION TOTAL LATE CHARGES TOTAL $6,364.88 PROMISSORY NOTE INFORMATION Note Dated: 5/21/2007 Note Amount: $278,816.00 Interest Paid To: 8/1/2009 Next Due Date: 9/1/2009 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $278,816.00, together with interest as provided in the note or other instrument secured from the 8/1/2009, 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 3/3/2017. The default(s) referred to in Paragraph III must be cured by 2/20/2017, (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 2/20/2017 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee's 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 2/20/2017 (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 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: NAME & ADDRESS JOSEPH CHANG 3038 DESTINATION AVE E FIFE, WA 98424-3878 UNKNOWN SPOUSE OF HAEKYUNG KIM 3038 DESTINATION AVE E FIFE, WA 98424-3878 OCCUPANT 3038 DESTINATION AVE E FIFE, WA 98424-3878 HAEKYUNG KIM 3038 DESTINATION AVE E FIFE, WA 98424 by both first class and certified mail on 4/29/2014, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, 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 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 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 and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the Unlawful Detainer Act, Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. DATED: 10-27-16 Benjamin D. Petiprin, c/o Zieve, Brodnax, and Steele, LLP, as Trustee Address for service: Zieve, Brodnax, and Steele, LLP 6100 219th ST SW, Suite 480 Mountlake Terrace, Washington 98043 Phone No: (206) 866-5345 Beneficiary / Servicer Phone: 814-827-3241 A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of California ) ss. County of Orange ) On 10-27-16, before me, J. Develasco, Notary Public personally appeared BENJAMIN D. PETIPRIN who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature: J. Develasco EPP 20244 IDX-729710 1/27, 2/17/17