NOTICE OF TRUSTEE'S SALE

PARCEL A: Lot 13. Block 8 and a portion of Tract A, Sunserra Phase Three Final P.U.D. map per the plat thereof filed in Book 24 of Plats on pages 26 through 36, records of Grant County, Washington

Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-09-299844-SH APN No.: 14-1347-441 14-1347-490 Title Order No.: 090511833-WA-GNO Grantor(s): TARLOK HUNDAL, SURINDER HUNDAL, GINNY HALPIN, TROY HALPIN, JAGBIR HUNDAL Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICAN BROKERS CONDUIT Deed of Trust Instrument/Reference No.: 1217645 I. NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 4/19/2013, at 10:00 AM At the Police Justice County Building, 401 South Balsam Street now known as 411 South Balsam Street, Moses Lake, WA 98837 sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of cashier's check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of GRANT, State of Washington, to-wit: PARCEL A: Lot 13. Block 8 and a portion of Tract A, Sunserra Phase Three Final P.U.D. map per the plat thereof filed in Book 24 of Plats on pages 26 through 36, records of Grant County, Washington, more fully described as follows: Beginning at the most Westerly corner of said Lot 13, Block 8; thence North 61 degrees 51'58" East along the Northwest line of said Lot 13, a distance of 39.17 feet to the most Northerly corner of said Lot 13; thence South 30 degrees 30'59" East along the Northeast line of said Lot 13 and said line extended 73.81 feet; thence South 63 degrees 13'20" West, 42.25 feet to an intersection with the extended Southwest line of said Lot 13; thence North 28 degrees 08'02" West along the extended Southwest line of said Lot 13, a distance of 72.74 feet to the Point of Beginning. PARCEL B: Garage Number G 98, as created and shown in the Declaration of Covenants, Conditions, Restrictions, Reservations and Easements as recorded June 10, 2005, in Grant County, Washington, under Auditor's File No. 1170863 and by Amendment recorded June 20,2005, under Auditor's File No. 1171437 and July 15,2005, under Auditor's File No. 1173028 and December 1, 2005, under Auditor's File No. 1181429 and March 21, 2006, under Auditor's File No. 1187438 and June 26, 2006 under Auditor's File No. 1194269 and by Amendment recorded March 8, 2007, under Auditor's File Number 1210402. PARCEL C: A nonexclusive easement for ingress and egress to provide access to the garage unit over the common areas shown on the plats of Sunserra at Crescent Bar Phase One-Final P.U.D. recorded in Volume 23 of Plats, pages 53-60, Sunserra at Crescent Bar Phase Two Final P.U.D. Map, recorded in Volume 23 of Plats pages 80-84, Sunserra at Crescent Bar Phase Three, Final P.U.D. Map, recorded in Volume 24 of Plats, pages 26-36, records of Grant County, Washington and as described in Section 3.3 of the Declaration of Covenants, Conditions, Restrictions, Reservations and Easements as recorded June 10, 2005, under Auditor's File No. 1170863. More commonly known as: 9293 CANYON DRIVE NORTHWEST, QUINCY, WA 98848 which is subject to that certain Deed of Trust dated 6/15/2007, recorded 6/22/2007, under 1217645 records of GRANT County, Washington, from TARLOK HUNDAL , SURINDER HUNDAL , HUSBAND AND WIFE, GINNY HALPIN , TROY HALPIN , WIFE AND HUSBAND, JAGBIR HUNDAL , UNMARRIED MAN, as Grantor(s), to SECURITY TITLE GUARANTY, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICAN BROKERS CONDUIT , as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICAN BROKERS CONDUIT (or by its successors-in-interest and/or assigns, iif any), to CITIBANK, N.A., AS TRUSTEE FOR CERTIFICATEHOLDERS OF STRUCTURED ASSET MORTGAGE INVESTMENTS II TRUST 2007-AR7, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2007-AR7, BY EMC MORTGAGE CORPORATION AS ITS ATTORNEY IN FACT . 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/Mortgage. III. The default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the following amounts which are now in arrears: $92,428.80 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $468,978.05, together with interest as provided in the Note from the 3/1/2010, and such other costs and fees 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. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 4/19/2013. The defaults referred to in Paragraph III must be cured by 4/8/2013 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 4/8/2013 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee's fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 4/8/2013 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, 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 address(es): NAME TARLOK HUNDAL, SURINDER HUNDAL , HUSBAND AND WIFE, GINNY HALPIN, TROY HALPIN, WIFE AND HUSBAND, JAGBIR HUNDAL, UNMARRIED MAN ADDRESS 9293 CANYON DRIVE NORTHWEST, QUINCY, WA 98848 by both first class and certified mail on 7/15/2009, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous 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 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 objections to this 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 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 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. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm. The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National Web Site: http://portal.hud.gov/hudportal/HUD or for Local counseling agencies in Washington: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=searchandsearchstate=WAandfilterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: 1-800-606-4819 or Web site: http://nwjustice.org/what-clear. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser's sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary's Agent, or the Beneficiary's Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right's against the real property only. THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 12/07/2012 Quality Loan Service Corp. of Washington, as Trustee By: Tricia Moreno, Assistant Secretary Trustee's Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 2141 Fifth Avenue, San Diego, CA 92101 (866) 645-7711 Trustee's Physical Address: Quality Loan Service Corp. of Washington 19735 10th Avenue NE, Suite N-200 Poulsbo, WA 98370 Sale Line: 714-730-2727 Or Login to: http://wa.qualityloan.com TS No.: WA-09-299844-SH A-4333013 03/15/2013, 04/05/2013

#04006/2939284

Pub.: March 15 & April 5, 2013