Re: Oh, Joseph Saekyu TO: Current Occupant, 4095 70th Ave W, University Place WA 98467; Joseph Saekyu Oh, 4095 70th Ave W, University Place WA 98467; Ester H. Oh, 4095 70th Ave W, University Place WA 98467; Hae Young Oh, 4095 70th Ave W, University Place WA 98467; Hae Young On, 4095 70th Ave W, University Place WA 98467; Seahan Bank, c/o SBA Note Administration, 3580 Wilshire Blvd., Suite 1500, Los Angeles CA 90010 Seahan Bank, Attn: Yon Su Nam, VP & Deputy Manager, 3580 Wilshire Blvd., Suite 1500, Los Angeles CA 90010; Ramada World Wide Inc., c/o Davis Wright Tremaine LLP, Attn: Anthony SWisen, 1201 Third Ave, # 2200, Seattle WA 98101; Executive House, Inc, n/k/a First Savings Bank Northwest, Beneficiary, 201 Wells Ave S, Renton WA 98057 The Stephens Law Firm, J. Roderik Stephens, Trustee NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington, Chapter 61.24 RCW I.NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 4th day of May, 2012 at the hour of 10:00 o'clock A.M. at second floor entry plaza, 930 Tacoma Avenue S, 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(ies) of Pierce, State of Washington, legally described as follows, to-wit: Lot 27, Campus Crest Estates, According to the Plat thereof recorded under Recording number 200505035014, in Pierce County, Washington. Tax account number: 400236-0270 which is subject to that certain Deed of Trust dated the 25th day of April, 2007, recorded on the 1st day of May, 2007, under Auditor's File No. 200705010633, records of Pierce County Washington, from Joseph Saekyu Oh & Ester H Oh, husband and wife, who acquired title as Hae Young Oh & Joseph Oh, wife & husband, as Grantor, to First Financial, as Trustee, to secure an obligation in favor of Executive House, Inc., n/k/a First Savings Bank Northwest, as Beneficiary, the beneficial interest in which was assigned by n/a under an Assignment recorded under Auditor's File No. n/a (Include recording information for all counties if the Deed of Trust is recorded in more than one county.) 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: Failure to pay monthly payments in the total amount of $32,466.00 Failure to provide proof of insurance coverage IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $534,145.88, together with interest as provided in the note or other instrument secured from the 25th day of April, 2007, 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 5th day of May, 2012. The default(s) referred to in paragraph III must be cured by the 23rd day of April, 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 on or before the 23rd day of April, 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 any time after the 23rd day of April, 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 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: Current Occupant 4095 70th Ave W University Place WA 98467 Joseph Saekyu Oh 4095 70th Ave W University Place WA 98467 Ester H. Oh 4095 70th Ave W University Place WA 98467 Hae Young Oh 4095 70th Ave W University Place WA 98467 Hae Young On 4095 70th Ave W University Place WA 98467 by both first class and certified mail on the 20th day of December, 2011, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on the 21st day of December, 2011, 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 1 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 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 this 2 day of February, 2012. J. Roderik Stephens, Trustee The Stephens Law Firm 300 North Meridian Puyallup WA 98371 253-863-2525 State of Washington)ss. County of Pierce) On this 2nd day of February, 2012, before me, the undersigned notary public in and for the State of Washington, duly commissioned and sworn personally appeared J. RODERIK STEPHENS, and said person acknowledged that he signed this instrument and acknowledged it to be 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. NOTARY PUBLIC in and for the State of Washington, residing in: Graham Commission expires: 9/25/15 Printed name of notary: Symone M. Kittelson-Fisher EXHIBIT A Sae Kyu Oh, 4095 70th Ave W, University Place WA 98467; Joseph Oh, 4095 70th Ave W, University Place WA 98467; Ramada Worldwide Inc., c/o McElroy, Deutsch, Mulvaney & Carpenter, LLP Three Gateway Center, 100 Mulberry Street, Newark NJ 07102; Ramada Franchise Systems, Inc., c/o Davis Wright Tremaine LLP, Attn: Anthony S Wisen, 1201 Third Ave, #2200, Seattle WA 98101; Ramada Franchise Systems, Inc., 100 Mulberry St, Neward NJ 07102-4079; Pierce County Sewer, 9850 64th St W, University Place WA 98467; Pacific International Bank, c/o Timothy Graham, 2229 112th Ave NE, #200, Bellevue WA 98004; Internal Revenue Service, 915 2nd Ave, Stop W243, Seattle WA 98174; Dept of Revenue, Compliance Section, 20819 72nd Ave S #680, Kent WA 98032; and April 3, 24