NOTICE OF TRUSTEE'S SALE

Pursuant to R.C.W. Chapter 61.24, et seq. and 62A.9A-604(a)(2) et seq. Trustee's Sale No: 01-MS-40600 Loan No. 0072991979 I NOTICE IS HEREBY GIVEN that the undersigned Trustee, Regional Trustee Services Corporation, will on February 17, 2006, at the hour of 10:00am, at THE POLICE JUSTICE COURT BUILDING, 401 BALSAM STREET, MOSES LAKE, 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 Grant, State of Washington: THE NORTH 75 FREET OF LOT 8, BLOCK 45, SALOME, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 1 OF PLATS, PAGE 28, RECORDS OF GRANT COUNTY, WASHINGTON. Tax Parcel No: 08-1587, commonly known as 311 SE 2nd Ave, Soap Lake, WA. The Property is subject to that certain Deed of Trust dated 4/2/1996 recorded 4/8/1996 in Volume 076, page 0440, of Deeds of Trust, under Auditor's/Recorder's No. 960409010 records of Grant County, Washington, from NOEL L COLLINS AND CATHLEEN M COLLINS, HUSBAND AND WIFE as Grantor, to WASHINGTON ADMINISTRATIVE SVCES, as Trustee, in favor of TMS MORTGAGE INC., DBA THE MONEY STORE, as Beneficiary, the beneficial interest in which is presently held by HomEq Servicing Corporation formerly known as TMS Mortgage, Inc. dba The Money Store. ( . 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/are made are as follows: FAILURE TO PAY THE MONTHLY PAYMENT WHICH BECAME DUE ON 7/15/2005, AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. IN ADDITION, THE BENEFICIARY WILL REQUIRE AS A CONDITION TO REINSTATEMENT THAT YOU PROVIDE RELIABLE WRITTEN EVIDENCE THAT ALL PROPERTY TAXES AND HAZARD INSURANCE PREMIUMS ARE PAID CURRENT AS PROVIDED IN THE DEED OF TRUST..Failure to pay when due the following amounts, which are now in arrears: Amount due as of November 18, 2005, Delinquent Payments from July 15, 2005 5 payments at $274.93 each $1,374.65 Late Charges: $13.75 Beneficiary Advances: $134.56 Suspense Credit: $0.00 TOTAL: $1,522.96. IV The sum owing on the obligation secured by the Deed of Trust is: Principal $29,354.57, together with interest as provided in the note or other instrument secured , 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 expenses 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 February 17, 2006. The default(s) referred to in paragraph III must be cured by February 6, 2006 (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 February 6, 2006, (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 at any time after February 6, 2006, (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: CATHLEEN M COLLINS, 311 SE 2ND AVE, SOAP LAKE, WA, 98851 CATHLEEN M COLLINS, PO BOX 605, SOAP LAKE, WA, 98851 CATHLEEN MARIE NEWMAN, 311 SE 2ND AVE, SOAP LAKE, WA, 98851 CATHLEEN MARIE NEWMAN, PO BOX 605, SOAP LAKE, WA, 98851 NOEL L COLINS, 311 SE 2ND AVE, SOAP LAKE, WA, 98851 NOEL L COLLINS, PO BOX 605, SOAP LAKE, WA, 98851 by both first class and certified mail on 10/19/2005, proof of which is in the possession of the Trustee; and on 10/19/2005, the Borrower and Grantor were personally served with said written notice of default or the written Notice of Default was posted in a conspicious 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's Sale will be held in accordance with Ch. 61.24 RCW and anyone wishing to bid at the sale will be required to have in his/her possession at the time the bidding commences, cash, cashier's check, or certified check in the amount of at least one dollar over the Beneficiary's opening bid. In addition, the successful bidder will be required to pay the full amount of his/her bid in cash, cashier's check, or certified check within one hour of the making of the bid. 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 same 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. Regional Trustee Services Corporation, Trustee By Nanci Lambert, Authorized Agent Address: 616 1st Avenue, Suite 500, Seattle, WA 98104 Phone: (206) 340-2550 Sale Information: www.rtrustee.com Dated: November 18, 2005 ASAP735168 01/12/2006 02/03/2006

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Pub.: January 13, February 3, 2006