I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 13th day of October, 2006, at the hour of 9:00 a.m. at the front door of the Pacific County Courthouse in the City of South Bend, State of Washington, sell at public auction to the highest and best bidder, payable at time of sale, the following described real property, situated in the County of Pacific, State of Washington, to-wit:

(a) The following described property, to-wit: Assessor’s Property Tax Parcel No.: 75005045007. Abbreviated Legal Description: LOTS 7 & 8 BLK 45 CLARKS 2ND ADD. Lots 7 and 8 in Block 45 of Clark’s Second Addition to Ocean Park, according to the plat thereof on file in the office of the Auditor of Pacific County, Washington. (b) Is now subject to a Deed of Trust, under which Great North West Federal Credit Union, f/k/a Twin Harbors Credit Union, is the beneficiary, Jeanne C. Gammell, a single woman, is the borrower or grantor, and Transamerica Title company is the trustee, under that certain trust deed dated December 20, 1984, and recorded on December 31, 1984, which deed of trust is recorded under File No. 66422, Volume 8412, Pages 810-13, records of Pacific County, Washington.

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 or Borrower’s defaults on the obligations secured by the Deed of Trust.

III. The defaults for which this foreclosure is made are as follows: failure to make the payments due on February 27, 2006, and thereafter, and failure to pay real estate taxes as required by the parties’ Note and Deed of Trust.

IV. The sum owing on the obligations secured by the Deed of Trust is: $18,256.86 as of May 4, 2006, together with interest as provided in the note or other instrument secured from the 27th day of February, 2006, and such other costs and fees 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 13th day of October, 2006. The default(s) referred to in paragraph III, must be cured by the 2nd day of October, 2006, (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 2nd day of October, 2006, (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after the 2nd day of October, 2006, (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.

VI. A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME AND ADDRESS: Jeanne C. Gammell, P.O. Box 4547, West Richland, WA 99353-4009 – by both first class and certified mail, on the 17th day of May, 2006, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served 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 on the 19th day of May, 2006, 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 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 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 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: 6/28/2006

GREGORY B. DURR, Attorney at Law, P.C.

By Gregory B. Durr, WSBA #16981, Successor Trustee

100 S. “I” St., Ste. 103, Aberdeen, Washington 98520. (360) 532-7727

Published September 13, and October 4, 2006

Legal No. 275