NOTICE OF TRUSTEE'S SALE

| January 17, 2013 12:00 PM

TO: SUSAN K. FRANKS BENEFICIAL WASHINGTON INC.

PURSUANT TO THE REVISED CODE OF WASHINGTON

CHAPTER 61.24, ET SEQ.

TO:

SUSAN K. FRANKS BENEFICIAL WASHINGTON INC.

714 S. MICHAEL AVENUE c/o BENEFICIAL HSBC GROUP

MOSES LAKE, WA 98837 P.O. BOX 8635

ELMHURST, IL 60126-9942

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

the 8th day of February, 2013, 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 2, LYCAN ADDITION TO MOSES LAKE, AS PER PLAT RECORDED IN VOLUME 4 OF PLATS, PAGE 45, RECORDS OF GRANT COUNTY, WASHINGTON. Tax Parcel No.: 10-1383-000, which is subject to that certain Deed of Trust dated February

1, 2001, recorded February 2, 2001, under Auditor’s File No. 1078136, records of Grant County, Washington, from SUSAN K. FRANKS, a single woman, as Grantor, to grant GRANT COUNTY TITLE COMPANY, as Trustee, to secure an obligation in favor of HABITAT FOR HUMANITY OF GREATER MOSES LAKE, 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) Eleven (11) Monthly payments of One Hundred Ninety-Five and 83/100 Dollars

($195.83): $2,154.13

(b) Late charges $ 69.60

(1st half 2012, delinquent with interest)

(d) Trustee Expenses:

Trustee’s or Attorney’s Fees: $ 800.00

Title Report: 323.70

Recording Fees (estimate): 225.00

Postal Costs/Copying Expenses: 150.00

Service/Posting Fees (Estimate): 100.00

Publication: 750.00

Total Trustee’s Expenses: $2,348.70

ESTIMATED TOTAL AMOUNT DUE: $5,291.60

IV. The sum owing on the obligation secured by the Deed of Trust is: Principal of Twenty-Two Thousand Four Hundred Ninety-Three and 62/100 Dollars ($22,493.62), as provided in the Promissory Note of February 1, 2001, 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 8th day of February, 2013. The defaults referred to in paragraph III must be cured by the 28th day of January, 2013 (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 28th day of January, 2013, (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 28th day of January, 2013 (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: SUSAN K. FRANKS, 714 S. Michael Avenue, Moses Lake, WA 98837; by both first class and certified mail on the 17th day of September, 2012, proof of which is in the possession of the Successor Trustee; and the 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 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.

XI. 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.

Notice and other personal service may be served on the Successor Trustee at:

LARRY W. LARSON

Larson Fowles, PLLC

821 E. Broadway Avenue, Suite 8

Moses Lake, WA 98837

(509) 765-6700

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 any 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: November 1, 2012.

/s/________________________________

LARRY W. LARSON, WSBA #06522

Successor Trustee

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

Moses Lake, Washington 98837

Telephone: (509) 765-6700

STATE OF WASHINGTON )

: ss.

County of Grant )

On this 1st day of November, 2012, before me personally appeared Larry W. Larson, to me known to be the individual described in and who executed the foregoing instrument and acknowledged that he signed and sealed the same as his own free and voluntary act and deed, for the uses and purposes therein mentioned.

GIVEN UNDER MY HAND AND OFFICIAL SEAL the day and year in this certificate first above written.

/s/ ________________________________

Notary Public (Signature)

__________________________________

(Print Name)

My Commission Expires______________

#01001/2717526

Pub.: January 17 & 30, 2013