NOTICE OF TRUSTEE'S SALE

| January 23, 2012 12:00 PM

LOT 21; DUNE LAKES, PLANNED UNIT DEVELOPMENT, ACCORDING TO THE

PLAT THEREOF RECORDED IN VOLUME 20 OF PLATS, PAGES 60 THRU 70,

RECORDS OF GRANT COUNTY, WASHINGTON.

PURSUANT TO THE REVISED CODE OF WASHINGTON

CHAPTER 61.24, ET SEQ.

TO:

TIM L. ZELLER & NINA ZELLER, AND TO:

husband and wife

6677 ROAD D.8 NE DUNE LAKES HOMEOWNERS

MOSES LAKE, WA 98837 ASSOCIATION

c/o SHERI JACOBSEN

AND TO: 8568 DUNE LAKE RD SE

DISCOVER BANK, ISSUER OF THE MOSES LAKE, WA 98837

DISCOVER CARD

PO Box 30416

SALT LAKE CITY, UT 84130

AND ITS ATTORNEY:

AND ITS ATTORNEY: CHRISTOPHER F. RIES, WSBA No.

PETER R. OSTERMAN, WSBA No. 23584

27803 RIES LAW FIRM, P.S.

BISHOP, WHITE, MARSHALL & P.O. BOX 2119

WEIBEL, P.S. MOSES LAKE, WA 98837

720 OLIVE WAY, SUITE 1201

SEATTLE, WA 98101

I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Larry W. Larson, will,

on the 24th day of February, 2012, at the hour of 10:00 a.m. inside the main lobby of

the Police Justice Building (Balsam Street entrance), 401 South Balsam, Moses Lake, 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 Grant, state of Washington, to wit: LOT 21; DUNE LAKES, PLANNED UNIT DEVELOPMENT, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 20 OF PLATS, PAGES 60 THRU 70, RECORDS OF GRANT COUNTY, WASHINGTON. (Tax Parcel No: 12-0154-321) which

is subject to that certain Deed of Trust dated June 30, 2005, recorded July 8, 2005, under Auditor's File No. 1172636, records of Grant County, Washington, from TIM L. ZELLER and NINA ZELLER, husband and wife, as Grantors, to CHICAGO TITLE INSURANCE COMPANY, as Trustee, to secure an obligation in favor of DUNE LAKE, LLC, a Washington limited liability company as Beneficiary. LARRY W. LARSON is now Successor Trustee.

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 Grantor's default on the obligation secured by the said 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:

(a) Monthly payments of Three Hundred Sixteen and 92/100 Dollars ($316.92) for twenty-one

(21) months ($6,655.32).

(b) Late charges of Seven Hundred Twenty-Nine and 10/100 Dollars ($729.10).

Forty-Nine and 18/100 Dollars ($6,049.18), not including interest and penalties.

In summary, the total amount in arrears as described above is:

(a)Monthly Payments: $ 6,655.32

(b)Late Charges: $ 729.10

(not including interest and penalties) $ 6,049.18

Total Amount in Arrears: $ 13,433.60

In addition to the above-described defaults, the non-monetary defaults for which this foreclosure is made are as follows:

Trustee's or Attorney's Fees: $ 1,750.00

Title Report: 410.02

Recording Fees (estimate): 200.00

Postal Costs/Copying Expenses: 215.00

Service/Posting Fees (Estimate): 175.00

Publication: 750.00

ESTIMATED TOTAL COSTS AND FEES: $ 3,500.02

ESTIMATED TOTAL BREACH AMOUNTS: $ 13,433.60

ESTIMATED TOTAL REINSTATEMENT

AMOUNT: $ 16,933.62

IV. The sum owing on the obligation secured by the Deed of Trust is: Principal of Forty-Two Thousand Six Hundred Thirty-Nine and 32/100 ($42,639.32), together with interest as provided in the Note secured from the 11th day of March, 2010, and such other fees, costs, penalties, and advances 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 24th day of February, 2012. The defaults referred to in paragraph III must be cured by the 13th day of February, 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 13th day of February, 2012, (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 the 13th day of February, 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 by 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 Grantor or the Grantor's successor in interest at the following addresses: TIM L. ZELLER & NINA ZELLER, husband and wife, 6677 ROAD D.8 NE, MOSES LAKE, WA 98837, by both first class and certified mail on the 29th day of September, 2011, proof of which is in the possession of the Successor Trustee; and the written amended notice of default was posted in a conspicuous place on the real property described in paragraph I above, and the Successor Trustee has possession of proof of such service or posting.

VII. The Successor 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 purchasers at the Trustee's Sale

are 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 any 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.

DATED: November 15, 2011.

/s/

LARRY W. LARSON, WSBA #06522

Successor Trustee

Address: 821 E. Broadway Ave., Ste. 8

Moses Lake, Washington 98837

Telephone: (509) 765-6700

#01001/2076593

Pub.: January 23 & February 13, 2012