Re: Harmes, Roderick C. and Karen E. Grantor: Davies Pearson, P.C. (Successor Trustee) Grantee: Roderick C. Harmes and Karen E. Harmes Beneficiary: Valley Bank Legal Description (abbreviated): SW 70ft, Lot 1&2, Bk 24 Puyallup Gardens Supplement Tax Parcel ID: 707010-020-0 Reference Nos. of Document: 200711200761 NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington Chapter 61.24, et. seq. I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 5th day of April, 2013, at the hour of 10:00 o'clock a.m. at the County-City Building, 930 Tacoma Ave. S., outside the 2nd floor entrance, City of Tacoma, County of Pierce, 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: The Southwesterly 70 feet of Lots 1 and 2, Block 24 Puyallup Gardens supplement, according to plat Recorded in Book 11 of Plats at Page 81, records of Pierce County, State of Washington. Pierce County Assessor Number 707010-020-0 the postal address of which is more commonly known as 1811 West Main Street, Puyallup, WA, 98371, which is subject to that certain Deed of Trust dated November 15, 2007, recorded November 20, 1007, under Auditor's File No. 200711200761, records of Pierce County, Washington, from Roderick C. Harmes and Karen E. Harmes, as Grantors, to Valley Community Bancshares, Inc., as Trustee, to secure an obligation in favor of Valley Bank, as Beneficiary. II. No action commenced by the Beneficiary of the Deed of Trust or the Beneficiary's successor is now pending to seek satisfaction of the obligation in any court by reason of the Grantor's default on the obligation secured by the Deed of Trust. III. The defaults for which this foreclosure is made are as follows: 1. Failure to pay the balance of a promissory note dated November 15, 2007, in full by the maturity date of November 15, 2012. As of the date of this notice, the balance due is as follows: 1. Principal Balance: ^$48,186.88 2. Accrued Interest: ^$2,272.32 3. Late fees: ^$2,409.34 4. Insurance Coverage: ^$416.50 5. Attorney and Trustee Fees: ^$2,384.50 SUBTOTAL: $55,669.54 Other delinquencies: 1. Failure to pay the following: a. 2012 Delinquent Real Property Taxes: $3,276.86 b. 2011 Delinquent Real Property Taxes: $3,694.50 SUBTOTAL: $6,971.36 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal in the amount of $48,186.88, together with interest as provided in the note or other instrument secured from the 15th day of November, 2007, and such other costs and fees as are due under the notes 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 5th day of April 2013. The default referred to in Paragraph III must be cured by the 5th day of March, 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 25th day of March, 2013 (11 days before the sale date), the default as set forth in Paragraph III is cured and the Trustee's fees and costs are paid. The sale may be terminated any time after the 25th day of March, 2013 (11 days before the sale date) and before the sale by the Grantor or the Grantor's successor in interest 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 Grantor or the Grantor's successor in interest at the following addresses: Roderick Harmes P.O. Box 267 Puyallup, WA 98371 Roderick Harmes 1811 West Main Street Puyallup, WA 98371 Karen Harmes P.O. Box 267 Puyallup, WA 98371 Karen Harmes 1811 West Main Street Puyallup, WA 98371 by both first class and either registered or certified mail on the 28th day of November, 2012, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally was served on the 29th day of November, 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 Grantors and all those who hold by, through or under the Grantors of all their interest in the above-described property. IX. Anyone having any objections 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 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. DATED this 3rd day of January, 2013. TRUSTEE: /s/BRIAN M. KING, WSBA#29197 DAVIES PEARSON, P.C. 920 Fawcett Avenue P.O. Box 1657 Tacoma, WA 98402 Telephone: 253/620-1500 STATE OF WASHINGTON)ss. County of Pierce) On this 3rd day of January, 2013, before me, the undersigned, a Notary Public in and for the State of Washington, duly commissioned and sworn, personally appeared Brian M. King, to me known to be the individual that executed the foregoing instrument, and acknowledged that he signed said instrument as his free and voluntary act and deed for the uses and purposes therein mentioned. WITNESS my hand and official seal hereto affixed the day and year first above written. /s/Gregory A. Buzar Print Name: Gregory A. Buzar NOTARY PUBLIC in and for the State of Washington. My commission expires: 12/09/ 2013 THIS NOTICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. March 7, 28