Re: Smith, Gary NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington Chapter 61.24, et seq. SOUND COMMUNITY BANK v. SMITH; LOAN NO. 32552-41. I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on July 17, 2015, at the hour of 10:00 a.m., on the 2nd floor entry plaza outside the Pierce County Courthouse, 930 Tacoma Ave. South, 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: LOT 48, HORSESHOE LAKE ESTATES, ACCORDING TO PLAT RECORDED IN BOOK 39 OF PLATS AT PAGES 36 AND 37, IN PIERCE COUNTY, STATE OF WASHINGTON, commonly known as 14721 91st Avenue Northwest, Gig Harbor, Washington, which is subject to that certain Deed of Trust dated March 8, 2006, recorded March 14, 2006, under Auditor's File Number 200603140716, records of Pierce County, Washington, from GARY A. SMITH, a single person, as his sole and separate property, Grantor, to FIRST AMERICAN TITLE INSURANCE COMPANY, as Trustee, to secure an obligation in favor of SOUND COMMUNITY 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 Borrower's or Grantor's default on the obligation secured by the Deed of Trust. III. The defaults for which this foreclosure is made are as follows: Failure to pay when due the following amounts which are now in arrears: Nine (9) monthly payments of $540.00 each for the months of August, 2014 through April, 2015: $4,860.00; Eight (8) late charges of $20.10 each for the months of August, 2014 through March, 2015: $160.80; Appraisal fee: $400.00; TOTAL MONTHLY PAYMENTS, LATE CHARGES & OTHER ARREARAGES: $5,420.80. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal of $67,194.52, together with interest as provided in the note or other instrument secured from July 1 2014, 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 July 17, 2015. The defaults referred to in paragraph III must be cured by July 6, 2015 (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 July 6, 2015 (11 days before the sale date), the defaults as set forth in paragraph III are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after July 6, 2015 (11 days before the sale date), and before the sale by the Borrower, the Grantor or the Grantor's successor(s) in interest, 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 or the Grantor's successor(s) in interest at the following addresses: Estate of Gary A. Smith, c/o Ursula Jennings, Administrator, Sound Community Bank, 2005 5th Avenue, Suite 200, Seattle, WA 98121 and Resident(s) of Property Subject to Foreclosure Sale, 14721 91st Ave NW, Gig Harbor, WA 98329 by both first class and certified mail on March 4, 2015, proof of which is in the possession of the Trustee. A written Notice of Default was also posted in a conspicuous place on the premises located at 14721 91st Ave NW, Gig Harbor, Washington on March 5, 2015, and the Trustee has possession of proof of such 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 7th day of April, 2015. PLATT IRWIN LAW FIRM, TRUSTEE, By: Christopher J. Riffle, 403 South Peabody, Port Angeles, WA 98362, (360) 457-3327. June 17, July 8