NOTICE OF TRUSTEE'S SALE

| October 3, 2013 1:00 PM

Lot 7 DESERT ESTATES III, PHASE THREE. ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME “D” OF PLATS, PAGE 236, RECORDS OF FRANKLIN COUNTY, WASHINGTON.

WE ARE A DEBT COLLECTOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

NOTICE OF TRUSTEE’S SALE

NOTICE IS HEREBY GIVEN that the undersigned Bishop, White, Marshall & Weibel, P.S. will on November 1, 2013, at 10:00 am at the main entrance of the Franklin County Courthouse, 1016 North Fourth, in the City of Pasco located at Franklin County, State of Washington, sell at public auction to the highest bidder, payable, at the time of sale, the following described real property, situated in Franklin County, State of Washington, to-wit;

Lot 7 DESERT ESTATES III, PHASE THREE. ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME “D” OF PLATS, PAGE 236, RECORDS OF FRANKLIN COUNTY, WASHINGTON.

which is subject to that certain Deed of Trust dated January 26, 2004, recorded January 30, 2004, under Auditor’s File No. 1639476 records of Franklin County, Washington, from Devon R Cahoon and Serena A Cahoon, Husband and Wife, as Grantor, to Benton-Franklin Title Company, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc. is a separate corporation that is acting solely as a nominee for Golf Savings Bank and its successors and assigns as beneficiary. JPMorgan Chase Bank, N.A. is now the beneficiary of the deed of trust. This loan secured by this Deed of Trust was most recently modified by an instrument dated June 12, 2009. The sale will be made without any warranty concerning the title to, or the condition of the property.

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 Deed of Trust.

III

The default(s) for which this foreclosure is made is/are as follows:

i) Failure to pay the following amounts, now in arrears:

Amount due to reinstate by July 30, 2013:

Delinquent Monthly Payments Due from 6/1/2012

through 7/1/2013:

8 payment(s) at $1220.60

6 payment(s) at $1229.23

Total 17,140.18

Accrued Late Charges: 570.50

Recoverable Balance 1,062.54

Subtotal $18,773.22

Less Suspense Balance (528.45)

TOTAL DEFAULT $18,244.77

ii) Description of Action Required to

Default Cure and Documentation

Necessary to Show Cure

City water lien assessed in 2012 Proof of Payoff

Evidence/Proof must be provided that the delinquency has been brought current.

The sum owing on the obligation secured by the Deed of Trust is: $170,188.35, together with interest from May 1, 2012 as provided in the note or other instrument, and such other costs and fees as are due under the note or other instrument secured, and as are provided by statute.

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 November 1, 2013. The payments, late charges, or other defaults must be cured by October 21, 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 October 21, 2013 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, or other defaults, is/are cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashier’s or certified checks from a State or federally chartered bank. The sale may be terminated any time after October 21, 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 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.

A written notice of default was transmitted by the beneficiary or Trustee to the Borrower and Grantor at the following address(es):

Devon R Cahoon Serena A Cahoon

4203 Segovia Dr 4203 Segovia Dr

Pasco, WA 99301 Pasco, WA 99301

Devon R Cahoon Serena A Cahoon

1710 Shilhon Rd 1710 Shilhon Rd

Duluth, MN 55804 Duluth, MN 55804

Devon R Cahoon Serena A Cahoon

608 8th Ave 608 8th Ave

Two Harbors, MN 55616 Two Harbors, MN 55616

by both first class and certified mail on June 12, 2013, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on June 12, 2013, 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

Bishop - Cahoon

under the Grantor of all their interest in the above-described property.

Anyone having any objection 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.

If the Trustee’s Sale is set aside for any reason, the submitted bid will be forthwith returned without interest and the bidder will have no right to purchase the property. Recovery of the bid amount without interest constitutes the limit of the bidder’s recourse against the Trustee’s and/or the Beneficiary.

NOTICE TO ALL PERSONS AND PARTIES WHO ARE GUARANTORS OF THE OBLIGATIONS SECURED BY THIS DEED OF TRUST: (1) The Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the Trustee’s Sale is less than the debt secured by the Deed of Trust; (2) The Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the grantor in order to avoid the trustee’s sale; (3) The Guarantor will have no right to redeem the property after the Trustee’s Sale; (4) Subject to such longer periods as are provided in the Washington Deed of Trust Act, Chapter 61.24 RCW, any action brought to enforce a guaranty must be commenced within one year after the Trustee’s Sale, or the last Trustee’s Sale under any deed of trust granted to secure the same debt; and (5) In any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the Trustee’s Sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the Trustee’s sale, plus interest and costs.

DATE: August 2, 2013.

BISHOP, WHITE, MARSHALL & WEIBEL, P.S.

Successor Trustee

By: William L. Bishop, Jr.

720 Olive Way, Suite 1201

Seattle, WA 98101

(206) 622-7527

(Published October 3, and October 24, 2013, in the Franklin County Graphic.)