NOTICE OF FORECLOSURE

Pursuant to the Revised Code of Washington,

Chapter 61.24 RCW

The attached Notice of Trustee's Sale is a consequence of default (s) in the obligation to THERESA CARPENTER, the Beneficiary of your Deed of Trust and owner of the obligation secured thereby. Unless the default (s) is/are cured, your property will be sold at auction on the 17th Day of February, 2006.

To cure the default (s), you must bring the payments current, cure any other defaults, and pay accrued late charges and other costs, advances, and attorneys' fees as set forth below by the 6th Day of February, 2006. To date, these arrears and costs are as follows:

Currently Due to Reinstate Estimated amount due to

reinstate on February 6, 2006.

Delinquent payments from

November 17, 2004 date of

balloon was due: $15,460.00 $16.013.48

Late charges in the total

amount of: $462.26 $462.26

Attorney's Fees: $750.00 $1,500.00

Trustee's Fee:

Trustee's Expenses:

Itemization:

Title Report: $237.16 $237.16

Recording Fee: $38.00 $76.00

Service Posting Fee

of Notices: $55.00 $125.00

Postage/Copying Fee: $4.00 $12.00

Publication: $500.00 est. $500.00 est.

Telephone Charges: $1.00 $1.00

Inspection Fee: -0- __________

Totals: $17,507.42 $18,926.90

As to the defaults which do not involve payment of money to the Beneficiary of your Deed of Trust, you must cure each such default. Listed below are the defaults which do not involve payment of money to the Beneficiary of your Deed of Trust. Opposite each such listed default is a brief description of the action necessary to cure the default and a description of the documentation necessary to show that the default has been cured.