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Default Description of Action

| January 16, 2006 8:00 PM

Required to Cure and

Documentation Necessary to

Show Cure

Proof Taxes are Current

You may reinstate your Deed of Trust and the obligation secured thereby at any time up to and including the 3rd Day of November, 2005, by paying the amount set forth or estimated above and by curing any other defaults described above. Of course, as time passes other payments may become due, and any further payments coming due and any additional late charges must be added to your reinstating payment. Any new defaults not involving payment of money that occur after the date of this notice must also be cured in order to effect reinstatment. In addtion, because some of the charges can only be estimated at this time, and because the amount necessary to reinstate may include presently unknown expenditures required to preserve the property or to comply with state or local law, it will be necessary for you to contact the Trustee before the time you tender reinstatement so that you may be advised of the exact amount you will be required to pay.

Tender of payment or performance must be made to: CHARLES R. STEINBERG, ATTORNEY AT LAW, whose address is 119 FIFTH STREET, WENATCHEE, WASHINGTON, 98801 509 662 3202. AFTER THE 3rd Day OF NOVEMBER, 2005, YOU MAY NOT REINSTATE YOUR DEED OF TRUST BY PAYING THE BACK PAYMENTS AND COSTS AND FEES AND CURING THE OTHER DEFAULTS AS OUTLINED ABOVE. In such a case, you will only be able to stop the sale by paying, before the sale, the total principal balance ($15,460.00) plus accured interest, costs and advances, if any, made pursuant to the terms of the documents and by curing the other defaults as outlined above.

You may contest this default by initiating court action in the Superior Court of the county in which the sale is to be held. In such action, you may raise any legitimate defenses you have to this default. A copy of your Deed of Trust and documents evidencing the obligation secured thereby are enclosed. You may wish to consult a lawyer. Legal action on your part may prevent or restrain the sale, but only if you persuade the court of the merits of your defense.

The court may grant a restraining order or injunction to restrain a trustee's sale pursuant to RCW 61.24.130 upon five days notice to the trustee of the time when, place where, and the judge before whom the application for the restraining order or injunction is to be made. This notice shall include copies of all pleadings and related documents to be given to the judge. Notice and other process may be served on the trustee at:

CHARLES R. STEINBERG, WSBA #23980

STEINBERG LAW FIRM, P.S.

119 FIFTH STREET

WENATCHEE, WA 98801

509 662 3202

509 662 5221 FAX

If you do not reinstate the secured obligation and your Deed of Trust in the manner set forth above, or if you do not succeed in restraining the sale by court action, your property will be sold. The effect of such sale will be to deprive you and all those who hold by, through or under you of all interest in the property.

# 02009

Pub.: January 16, February 6, 2006