ORIGINAL - Washington State Courts

Appeal Court No. 366 1 1-8- 1 1
IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON
In, Re the Trustee's Sale of Real Property of:
ROSS D. GREER, as his separate estate
Jeffrey R. Rupert, WSB 3 1445
Of Attorneys for Greer
410 SW 153rd St.
Burian WA 98 1 16
FAX: (206) 246-5860
Email: rupertlegal@,hotmail.com
Of Attorneys for Greer
Terrance J. Slominski, OSB 81376
Of Attorneys for Greer
71 50 SW Hampton, Suite 20 1
Tigard OR 97223
FAX: 503-684-7950
Email: t-i slominski@,),vahoo.com
Of Attorneys for Greer
DIVISION 2
BRIEF OF APPELLANT ROSS D. GREER
ORIGINAL

TABLE OF CONTENTS
A. ASSIGNMENT OF ERROR
The trial court erred in granting Citibank's motion to disburse the $65,015.40
of the surplus funds to Citibank pursuant to RCW 61.24.080. ....................... 1
Issues pertaining to assignments of error ....................................... 1
1. Can CitiBank change its recording priority for the purposes of the surplus
funds statute by recording a unilateral subordination agreement after the notice of
trustee's sale has been recorded?
2. Can a senior lien holder assert a remedy of "equitable subrogation" in order to
claim surplus fund resulting from a foreclosure of a junior lien?
B. STATEMENT OF CASE ............................................ I
C. SUMMARY OF ARGUMENT ....................................... 2
D. ARGUMENT .................................................... .3
TRIAL COURT ERRED IN ORDERING THE DISBURSEMENT OF
FORECLOSURE SURPLUS FUNDS TO CITIBANK
E. CONCLUSION ..................................................... 11
F. APPENDIX ..................................................... 11
TABLE OF AUTHORITIES
CASE LAW:
Ban-Co Investment Co, v. Loveless, 22 Wn. ...................................... .9
Bank of America K Prestance Corp ............................................ .10
STATUTES:

RCW61.24.040 .................................................. 5
RCW 61.24.040(1). ................................................. 7
RCW61.24.080 .................................................. 10
APPENDIX
App 1 : Excerpt: CitiBank Home Equity Line of Credit Deed of Trust
App 4: Excerpt: CitiMortgage Deed of Trust
App 6: CitiBank Mortgage Modification Agreement
App 10: Notice of Trustee's Sale
App 14: Subordination Agreement
App 16: Trustee's Sale Guarantee

A. ASSIGNMENT OF ERROR
The trial court erred in ordering disbursement of surplus funds from the
CitiMortgage foreclosure to Citibank.
Issues pertaining to assignments of error
1. Can CitiBank change its recording priority for the
purposes of the surplus funds statute by recording a
unilateral subordination agreement after the notice of
trustee's sale has been recorded?
2. Can a senior lien holder assert a remedy of "equitable
subrogation" in order to claim surplus fund resulting from a
foreclosure of a junior lien?
B. STATEMENT OF THE CASE
On August 23,2002, the Deed of Trust in favor of Citibank was
recorded in the Thurston County Deed Records. CP 30, App 1. On
October 2,2003, a Deed of Trust in favor of CitiMortgage was recorded in
the Thurston County Deed Records. On July 29,2004, CitiBank and
Greer entered into an agreement to modify the terms of the loan. It did not
modify the deed of trust and specifically provided that the agreement
would not affect or impair CitiBank's security interest or lien priority
Page -1-

described in the security instrument, i.e. Deed of Trust. CP 30, Exhibit C
to Motion for Reconsideration, App 6.
On October 2,2006, a notice of trustee's sale to foreclose the
CitiBank Deed of Trust was recorded in the Thurston County Deed
Records. The notice of sale did not purport to foreclose CitiBank nor was
the notice served on CitiBank. CP 30, Exhibit B to the bank's Motion
for Reconsideration, App 10. On January 5,2007 a non-judicial
foreclosure of Greer's property was held resulting in surplus proceeds
totaling $65,015.14. CP 5, Notice of Deposit. CP 9, Motion to
Disburse Funds.
On December 27,2006 CitiBank executed a Subordination
Agreement which purported to subordinate the 2002 Deed of Trust to
CitiMortgage, Inc. Notwithstanding the document being titled an
"Agreement". It was not executed by CitiMortgage. CP 30, App 14.
C. SUMMARY OF ARGUMENT
RCW 61.24.080 provides that interest in, or liens or claims of liens against
the property eliminated by a foreclosure sale shall attach to the surplus
funds in the order of priority that it had attached to the property. The
foreclosure of the CitiMortgage Deed of Trust did not eliminate the
Page -2-

CitiBank Deed of Trust recorded in the prior year because the modification
agreement signed by Greer and CitiBank expressly states that it does not
modify the 2002 Deed Of Trust lien priority. Likewise, the subordination
agreement recorded unilaterally by CitiBank after the Notice of Sale was
recorded and only a few weeks before the foreclosure sale took place did
not change the priority between CitiBank and CitiMortgage where
CitiMortgage had advanced all of its funds pursuant to its Deed of Trust
years before the trustee's notice of sale was recorded. CitiBank7s assertion
of equitable subordination fails because equitable subordination is a
remedy that may be asserted by a lender to prevent a windfall to another.
Although CitiMortgage perhaps could have asserted a claim for the
remedy of equitable subordination had CitiBank attempted to foreclose its
senior lien and eliminate the CitiMortgage lien, CitiMortgage has made no
such claim.
D. ARGUMENT
TRIAL COURT ERRED IN ORDERING THE DISBURSEMENT OF
FORECLOSURE SURPLUS FUNDS TO CITIBANK.
There is no dispute that CitiBank7s Deed of Trust was recorded
prior to CitiMortgage's Deed of Trust and therefore the foreclosure of the
Page -3-

CityMortgage Deed of Trust did not eliminate the lien of CitiBank. In
order for CitiBank to claim surplus funds it would have to prove that it
was a junior creditor and that its lien was eliminated by CitiMortgage's
nonjudicial foreclosure.
RCW 61.24.(3) provides:
(3) The surplus, if any, less the clerk's filing fee, shall be
deposited, together with written notice of the amount of the
surplus, a copy of the notice of trustee's sale, and an affidavit of
mailing as provided in this subsection, with the clerk of the
superior court of the county in which the sale took place. The
trustee shall mail copies of the notice of the surplus, the notice of
trustee's sale, and the affidavit of mailing to each party to whom
the notice of trustee's sale was sent pursuant to RCW 61.24.040(1).
The clerk shall index such funds under the name of the grantor as
set out in the recorded notice. Upon compliance with this
subsection, the trustee shall be discharged from all further
responsibilities for the surplus. Interests in, or liens or claims of
liens against the property eliminated by sale under this section shall
attach to the surplus in the order of priority that it had attached to
the property. A party seeking disbursement of the surplus funds
shall file a motion requesting disbursement in the superior court for
the county in which the surplus funds are deposited. Notice of the
motion shall be personally served upon, or mailed in the manner
specified in RCW 61.24.040(1)(b), to all parties to whom the
trustee mailed notice of the surplus, and any other party who has
entered an appearance in the proceeding, not less than twenty days
prior to the hearing of the motion.
The clerk shall not disburse such surplus except upon order of the
superior court of such county.
***
Page -4-

RCW 61.24.080(3) sets out the procedures and the parties who are
entitled to notice of the surplus funds as well as those entitled to receive
surplus funds. First, RCW 61.24.080(3) requires that the excess fees be
deposited with the court, with a copy of a notice of trustee's sale together
with an affidavit of mailing as provided in this subsection. Furthermore, it
requires the trustee to mail copies of the notice of surplus, the notice of
trustee's sale and the affidavit of mailing to each party who whom the
notices of trustee's sale was sent.
RCW 61.24.040 sets out the following requirements for service of
the Notice of Sale for Foreclosure and sale -Notice of sale.
A deed of trust foreclosed under this chapter shall be
foreclosed as
follows:
(1) At least ninety days before the sale, the trustee shall:
(a) Record a notice in the form described in RCW 61.24.040(1)(f)
in the
office of the auditor in each county in which the deed of trust is
recorded;
(b) To the extent the trustee elects to foreclose its lien or interest,
or the beneficiary elects to preserve its right to seek a deficiency
judgment against a borrower or grantor under RCW
61.24.100(3)(a), and if their addresses are stated in a recorded
Page -5-

instrument evidencing their interest, lien, or claim of lien, or an
amendment thereto, or are othenvise known to the trustee, cause a
copy of the notice of sale described in RCW 61.24.040(1)(f) to be
transmitted by both first class and either certified or registered
mail, return receipt requested, to the following persons or
their legal representatives, if any, at such address:
(i) The borrower and grantor;
(ii) The beneficiary of any deed of trust or mortgagee of any
mortgage,
or any person who has a lien or claim of lien against the property,
that
was recorded subsequent to the recordation of the deed of trust
being
foreclosed and before the recordation of the notice of sale;
(iii) The vendee in any real estate contract, the lessee in any lease,
or
the holder of any conveyances of any interest or estate in any
portion or
all of the property described in such notice, if that contract, lease,
or
conveyance of such interest or estate, or a memorandum or other
notice
thereof, was recorded after the recordation of the deed of trust
being
foreclosed and before the recordation of the notice of sale;
(iv) The last holder of record of any other lien against or interest
in
the property that is subject to a subordination to the deed of trust
being
foreclosed that was recorded before the recordation of the notice of
sale;
(v) The last holder of record of the lien of any judgment
subordinate to the deed of trust being foreclosed; and
(vi) The occupants of property consisting solely of a single-family
residence, or a condominium, cooperative, or other dwelling unit in
a multiplex or other building containing fewer than five residential
units, whether or not the occupant's rental agreement is recorded,
Page -6-

which notice may be a single notice addressed to "occupants'' for
each unit known to the trustee or beneficiary;
(c) Cause a copy of the notice of sale described in RCW
61.24.040(1)(f)
to be transmitted by both first class and either certified or
registered mail, return receipt requested, to the plaintiff or the .
plaintiffs attorney of record, in any court action to foreclose a lien
or other encumbrance on all or any part of the property, provided a
court action is pending and a lis pendens in connection therewith is
recorded in the office of the auditor of any county in which all or
part of the property is located on the date the notice is recorded;
(d) Cause a copy of the notice of sale described in RCW
61.24.040(1)(f) to be transmitted by both first class and either
certified or registered mail, return receipt requested, to any person
who has recorded a request for notice in accordance with RCW
61.24.045, at the address specified in such person's most recently
recorded request for notice;
(e) Cause a copy of the notice of sale described in RCW
61.24.040(1)(f) to be posted in a conspicuous place on the
property, or in lieu of posting, cause a copy of said notice to be
served upon any occupant of the property.
Pursuant o RCW 61.24.040(1), it is important to note that as stated
above RCW 61.24.040(1) only requires the trustee to mail notice of the
trustee's sale to those parties who became of record subsequent to the lien
or interest being foreclosed. That is exactly what the trustee did in this
case. Trustees Notice of Sale, CP 30, App 10 Paragraph VI of the Notice
of Sale lists the parties' receiving notice of sale. It is a bit of a quandary
Page -7-

why the trustee provided an affidavit of mailing with the court that stated
that the trustee mailed copies of the notice of surplus to Citbank where
Citibank was not served a notice of the sale which commenced the
foreclosure and was not a junior lien holder that could be foreclosed in a
non-judicial sale.
CitiBank cannot change its recording priority for the purposes
of the surplus funds statute by recording a unilateral subordination
According to documents submitted by Citibank a subordination agreement
between Citibank and Citimortgage was signed on December 27,2006,
nine days before the scheduled sale. There is no evidence that the
document was recorded prior to the sale and it was neither requested or
consented to by CitiMortgage or Greer. CP 30, App 14. There is no good
reason why Citibank could, would or should have signed a subordination
agreement purporting to subordinate its interest to a junior lien holder only
a few days before the junior lien holder's foreclosure sale was to be held.
CitiMortgage's deed of trust could not have foreclosed Citibank's interest.
What is more important is that the subordination agreement itself probably
was never meant to be any sort of enforceable contract between Citibank
and Citimortgage. Instead the subordination agreement seems to be some
Page -8-

sort of a scam for Citibank to claim funds which otherwise it would not be
entitled to from a non-judicial foreclosure sale.
Although normal rules of contract apply to subordination or
priority agreements, they are to be strictly construed. See Ban-Co
Investment Co. v. Loveless, 22 Wn. App 122 (1978). In Ban-Co, the court
noted that subordination arrangements are in the nature of a mutual
enterprise, where the vendor provides the land, the purchaser the "know
how" and the purchaser's lending agency the capitol for the mutual
beneficial purpose of developing land and disposing of it. Ban-Co at
134-35. In this subordination agreement there is no consideration. The
document recites that the consideration is the benefit to "subordinator"
from lender to induce "lender" to advance funds under its mortgage and all
agreements in connection therewith. It further states in paragraph six that
"it is understood by the parties hereto that "lender" would not make the
loan secured by the mortgage in paragraph 2 without this agreement".
However, funds for Citimortgage, Inc. were funded three and one-half
years prior to the execution of this subordination agreement. As stated
before, this subordination agreement is merely a sham for the purposes of
unlawfilly acquiring funds belonging to Mr. Greer.
Page -9-

A senior lien holder cannot assert a remedy of "equitable
subrogation" in order to claim surplus fund resulting from a
foreclosure of a junior lien. CitiBank's assertion of equitable
subordination fails because equitable subordination is a remedy that may
be asserted by a lender to prevent a windfall to another. See Bank of
America I/. Prestance Corp., 160 Wn.2d 560, 160 P.3d 17 (2007)
CitiMortgage is the only party who could have appealed to a court
in equity for the remedy of equitable subordination had CitiBank
attempted to foreclose its senior lien and eliminate the CitiMortgage lien.
There is no authority for the argument that a senior lien holder could assert
equitable subrogation on behalf of a junior lien holder to benefit the senior
lien holder. Most importantly RCW 61.24.080 expressly states that
"Interests in, or liens or claims of liens against the property eliminated by
sale under this section shall attach to the surplus in the order of priority
that it had attached to the property." When RCW 61.24.080 is read with
RCW 61.24.040, it is clear that the statutory scheme is to set all priorities
as of the date that the Trustee's Notice of Sale is recorded.
Page - 10-

CONCLUSION
The CitiBank Deed of Trust was not eliminated by the CitiMortgage
foreclosure and therefore CitiBank is not entitled to the surplus proceeds
filed with the Thurston County Court. This court should reverse the trial
court and remand the case back ordering that the surplus proceeds be paid
to Greer.
DATED this 26Ih day of October, 2007.
0
Terrance J. Slominski, OSB 81376
Admitted Pro hac vice
Attorney for Appellant
Page -1 l-

Mhen Recorded A i d ro!
M'TFGR A'TEIj I-DAN SERVICES
2 7 IWWD ROAD
I~WKY rrni, c7 0m~7
r LT #li
tf;\ t 7 s,C1S
This Innrumrut \tat prtpared by: Title Co.: LYTECILITED 1,OAS SERVICES
MOHAltMED F KRAK Tifle Escrow H:
(Ir m.)
15851 Clayton Road,Bnllnin, MO 63011
THATPMTOT THE 60UTHWEbT QU6RlhR OF TIE SOUTHA'EST QUARTER Ot 5l:Cll~YJ i,
IUWNSIU' 1 Y hUKI'II. Wiit: I WEST. W M.. DELWLITED AS rAS(:LL SO. I OP SHORT
SUBDF.'UlON NO 22-0932 AS W'l)HI 1T

Deed vc T~ust, continueti czbank'
TOGEWER WITH dl lhc impror.cmcots now vr henotter mcted on the Prclperly, and all euemen!s,
~Q~LS, ~ppr.+nmit~, ren(s (subject howevcr to the rights and authorirus given &rein to You to coUm and apply
snch rtntij, ro)ali~cs, mmcral. nil and zw r~ghts and pr0fit9, wtm, uater rights and waln ttnck and all futures now
or herealre; s;rachxI~o rhc Propem (vhich if thi; Deed of Twr ia on a unit in a condominium prujcct or pkFnleJ
unit devcloprnc~ shl: include the MImDOD clmt, in such project or dcvelopmcnt asaocia~cd will) such uuit), aU
of abicl, io:ludtng repbcements and addirim rbcrcto, sbli k docroed lo De and rmain a part of rhe Propert).
LN WUNESG \4'UKk'Uk', YOL' HAVL t;.Xr;CI:TEI) TRIS DEED OF T%llST, A M3 AGRXL TO BE
BOUhD BY ALL TERMS ARD COYUI'rlONS STATED Oh' PACES 3 THROIIGH 9 FOLLO\VINC.
A J Oi'nlROo: L-:.p L 0713 112002
~&mr: ROSS D. G R E ~ Trurivl:
STATE OF WASIIXGMN )SS*
Cotinry of TKLWTOY )
S ~ L ~ d ~ G I
On this day pasonally a~peared before mc ROSS D. GREXR a-R m mc kno\sn ((I
bc he individual, rn indi\.iduals dc~ribed in a d who txecuud fhc wi;hio and foregoing icsnumnt. and
a:kno~ded&d that he (she or they) signed the same a6 his (her or their) free nnd taoluntaq act and deed, for (he urcs
and purposes ~hcctin nmtinnr.d.
"ZIRLIC ;
IF iCJ;us~oH IS A.TR~ST~T; 1, #.3.., - .; . .
nor perc.om11y but sulcly as h-ustcc 25 aforesaid ti;:>% ..

.4LL THAT CERTAIN PIECE OR PARCEL OF LAND WITH THE BUILDINGS
JMPROVEMENTS THEREON SITUATED, LYJNG AND BENG IN THE CJ'I'Y OF OLYMPIA,
COUN'1'1' OF THI IRSTON A W STATE OF JVASHINCTON:
THAT PART OF THE SOUTHWEST QI ;ARTER OF THE SOUTIIFVEST QUARTER OF SECTION 4,
TOWNSHIP 19 NORTH. RANGE I WES'I. W.M.. DELINEATED AS PARCEL NO. 3 OF SHORT
SUEDNISIOT-4 NO. 22-0932 -4s RECORDED NOVEMBER 28,1978 IINDER AUDITOR'S Flu NO.
1059600.
MEAKING AND FJTENDING TO DESCRIBE THE SUE PREMISES CO-VS'EKED TO TTF.
MORTGAGOR M BOOK 1851 AT PAGE 326 DATED 8!12/31 llM3 RECOWED 8;14/91 TN THk
TI I UKS'I'ON COTJNTY CLERK'S OFFICE.
ASSESSOR'S PARCEL NO.: 11 903330303
~rn TO:
CITICORP hlORTCACE, INC.
C/O INTEGRATED LOAN SERl'JCES
31 LMt'OOD ROAD
KCICKY HI I'L, CT 06067
SECTSON:
BLOCK :
LOT:
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...
T0iW: OLY hlPTA
C O W : THUJ?S'fOh
3457030
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escription : Thurston, It'd Document-LZocID 3457030 Page: 9 of 9
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fiecordirlg Requested by &
When Recorded Return To:
US Recordjngs, Inc.
2926 Colrnlry Drive Ste 201
St. Paul, PAN 5511 7
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DEED OF TRUST
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Wnrds used in rnullipl? secllollj of !his docunml Nt jefi~lcd Delox. uul r)l.i~? a~ods arc Jul111rtl tn
>ecfi~r.s 3, 1 1 , 13, IS, 20 md 21. Cerlailt rulcs tcprding 1t.c caage oi worris used h\ hrs rlww~rl,~ s~c
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(A) ''Sccuriq Tnstm~lml" mcvls this docurr.~mr. \vhlch ip dal:d.lufp ?5> 2(11~3
r~lgnhc~ wilb dl RiJtrb lo [his docurnenL.
(H) "Rarmrvcr" i; Ross D. Grm
W.\SHIHCTON-Si?ale Fern~tv-Fsnnin MasiF~edd~n Mac UNlFORM INSTRUMENT
escription: Thurston,WA Document-DocID 3582024 Page: 1 of 16
rder : Donna Commen t :

1 HAT P:UT 01: TIE SOLIJ'[ IVIEST OL'LIRTER OP rHFj SOWH\VF,ST QL'M I I-.)( 01: SECTIOX. 4. TOL?ISIIIP I!)
KONTH. IUh'CiE; I W'tST \VILJ.AMIrTTE .MERIL11.W. DEL1XI:ATED ?LS t8r\RCEL NhlBER ; OF SHOP,T
SL"SD~'!SIO?I N1%lBI:I: ?2.0a75: AS RCCORntU !u'O\Th,ltiPR 28, 1974 1;NDm XUUI.1 UK'S FILF Mhl IlFR
1019600. SITCJATEL) lx THE COI!NTY OF THi!KS rOv AND s'TATE OF U!~S~C~GTO:\I {WER;,: Lli(:;CL. S\!bJ I:;.
OF SU' I;? OF SEC.4, Tl??I, RlW, %'.?vl. PN 3 OF SSN 2;1)Y37.
Description: Tburston, WA Document -DOCID 3582024 Page: 16 of 16
Order : Donna Comment :

IPROYEUIY DESCRIPTION - SEE ATTACLtED RlDER Aj
'~H1S AGREEMENT IS mcde and tnmd inio U ~W July ZY. ZUU4, by and bet.rwn Cir~?arrk. i;.S Ll ,
nhosc principal place cf busincs i.q : 18011 S;KCUIL~~I C:cnlcr Drive, Heuwn, VA 22090 {llw "Lel~der"). and ROSS D.
CWR [col!ecli:~ciy refrrreif to Lrrrin JF. "Tbn~~nw'j Thc "Prnperly mcilrw the rcd cstalc 1iscIi~*-u~ irclcnecl u, hertirl as 1.x "Kolc")
n d ier:~rcJ hy 3 Secw:ry Instrumcr~ ("Sc~.crity lusrmn~er.~") in .h form of3 mofigogc ur dvA oi ms~ wrordul as
3dS:tUF ol'k Offjciul Kecnrds nC'l'HIJR\TO.\ rounl)' (or i r ~ d ~ by i a ~ wd p. a xcunty ~nlcreg in ~ hr ;iwk
uw~~csl~ip CO-OP). The arjginn. Se~uri~y Inwurnent uras m \he pnnnp~ I arnili~r (I~'SZS,UUO.W, 3 1 ~
~illl
UI ~hc
WHEREAS, all Ierm: wed hmul and nor o~hcruizt dcfr~ud shall 11avr lfie rtcalllng ~ CToni, I i7 cFr Kac;
1 CRKDIT LLhIIT JNC:REASE. Rorrou-r and I cdc: bcrcby 3gwe IS mcreasc tZie ilr?~I.i ~ U UXI I ionl: in
UI~ Nolc lit S75.000.4fi 2nd lo rnutllfi the Secir:ty 1ndrumcr.t so Orat Ihc pr~~c~pl amounl hcrwrtd by the
hecuricy hslrumenr la .t75,Opli.BOa
escription: Thurston, HA Documen t-&cID 3747920 Page: 1 of 4
rder: Donna Comment:
nan ~ 2 2 Ihurstmn Co Ua.

Fxrtpla3 crux-rw~sesel iorlll Irerein, all :)L)ILT krmr xnd cood~tronr cf
~11r NIII~ UI~J Sc;un( j Inulrumtni sbll mrnttlr~ UI>C~YIR~C and it, full forcc vnd clfcci
-I YO OTHER MODlF1T.~TlDN.
1. SECURITY INSTRUMBPT. Lender and Lionourr npee Ilul rhL: Swurily Instnlmenl dezcrikd obovc
v..ill co~~lirlrrc ~os~cun. 811 cbljgationb lo I .ruder under the Note s olodificd ty Ihii .Qrwmen(. Nott>~n$ I,,
thi~ .41;wbyncnt nil1 olfoct or ilnpail Lardcr.a sccunly i:~lncjl In, IN lien prionry cn. th: ptopcrr). ~ C ~ illcd L L
in lhc SLYUI~~V hlmenl, ,v.~~oI be :omtrued lo he a r.~)\~aLi~>n, rrali~l'xclion or 8 partial or lob1 ~leo.i: ,,I.
Ihc NOLC or S'cunl;. Insuumenc
I rOMPLETE TRtNSACI'JUY. Lxcept 0s exp~uusl~
and 9munp lncwlnent renintn rr n~ll twce rltirl r.flrul P! YI~NI p belo\\. Lcider nnrl I$~,nnuq
ack~\oclrdgr dlc~c dlrlu) BJJIIIUIUI, IrnuYur axrccnlLn:r hmween then. om1 or talll~n
rnodrlicd b? thls Agrccmcnt ill t;ilns nl the N~,le
fi OTBERTEWMS. I1 any trnns ot'th~x ~\g~em.e~il tlrt Jccm;d ~nvaljd flr~lnc~l~flrcrnhlc ~rr r~lh~rruiw
c~llecr ,I lim priur.ty clilhc Sawiiy Inarun~ent, this &rc:mtl;~ shall imm~disrel!: ternri~tne ond rhs
original I~.rnrs of the Nore aid Sec~uity In>t~ut~rvnl %hull opplb
LENDER AND BORROWER ACREP. AND AC.CEI"r THE TERh13 OF THIS ACRBEMXN7 AS OFTHF,
DATE FIRS1 ABOVE WRIlTBN.
07R9/21)fil
OSS D. CR EF.R I )uk Dn1c
?scription : Thurston, k'A Lacumen t-DocID 3747920 Page: 2 of 4
rder: DOMa Cmen t :

()I\ thi~ dny j~~:~~tnuIl~ UIIPL~IC~ hi!lmc FC: ROSS to me honn ro be the ~hclviduol, or
~lJ1~.411i113 JCsillb~J ur nixl wlw eh+%ll[cJ lllu kllhm and lmpotny ~r.rtrur.,cnt. and ackllnvledeed thne%t\r or
IIIZ) \ vpnal ~hc wrnc asLml\~ 01 rbcu) froc d i +o)~i%~ act n1.J kcd. li.1 Ure u=h drbd jmryusc) lllcrcul
rnunllcrnd
Clno~ I U ~ la! ~ I IYIII~ u:d ulfi.1~1 wl UU, -29 dr) uf . a 0 f
Nolilr? hrhl,c in and lor rbz Stat of ~~';uhutjitou ~eeidirip at '?~c.cJ~t'iv~r
c:nrnmissiuo cxpirrs) fi. (9. a)
lt"l'lit.'S'lOl( IS A 'J'I(llSI
nu1 :~cri~iull~ hul acslely as Iruquc .as af~)reuritl
Hg. ,
'scription : Thurston, WA Documen t-DocID 374 7920 Page: 3 of 4
rder : Donna Comment :
AY

,VOTE AYD MDRXA CE .WODJF1(~4nOfi AGREEIdEXT
RIDER A - PROPERT17 Df 8CBJPTIO.I
ALL 7UATCLRT.W PIECE OR P.UCEL OF L.\XL)U;ITH THE BUILDINGS lMPItO\'UUNTS
TIIF:KI.ON ST'KJAlED, LYlNG i\XD BbKG M THI-. f lTY Or (ZLYMPI.\, COIJNTI' 01 ' THURSTON Ahr)
STATE OF U'ASHJNGTON:
MAT PART OF T11I. S()K'I'IINEST I)LIAKTPR OF THt. S(!l'lluEST (SC1hRTER OF'SPCTIOIJ 3
TUWNSHIP 14 XORT'T1, KANGI I WE=. W M DELll.T.4Tt:I) AS PARCEL YO. 3 OF "sllC)I{T
SLJBDlVfSIOY NCJ ?2-(l942 AS RI'i.:f )KI)E13 N(IVEMBER 28. 1978 lJYl)l*X AUDITOR'S FILENO. IOSVWo
hlE.L!!INCi AND MTfiYllWti TO DESCWDI THE SAVF PKKMISES CON\'Em TOTHt MI)l\'lCjAi;(~R
I?J DCK)K 185 1 hTP,\GE 326 I)4TI:l) 8'1 241 AND REC0Rnt:I) fi:14>91 UN TIK THURSTON Cc )UN?'Y
C'l.FKK'S CIFFICE
ASSESSOR'S P.4RCRL1JO.. '. IY[M??U3O!
I Ilil ll Il l lllllIl#
l l IR Ill llll l 3747920
Paqa: 4 of 4
071 1212C05 01 iJF
HfitlDNUIDE flm $22 00 Thurston Co UI
%scription : Thurston, HA Document -LbcID 3747920 Page: 4 of 4
7rder : Danna Commen t :

Aftm Recording, Raturn to:
Kathy T8ggart
Northwest T W Servtces, JNC.
P.O. Bo* 997
Ildlcvue, WA 98009-0997
Rle No. 730123166/QZEER, ROSS D,
. Granton: Northwest Trustee Services, Int,
CitiMortgagc, Ine.
Grmtee: GREER, ROSS D.
Notier of mnw's wr Q-$5
Pursuant to the Rcviscd Code of Washington 61 24, et seq.
On January 5,2007. at 10:00 am nem the directory in ficmt of the Thurston County Courthouse,
2000 Lakuidgc Drivc S.W. m the City of Olympia, State of Washington, the undasigned Trustee
(subject to any conditions imposed by the -tee to protect lender and bonowcr) will scll at pubiic
auction to the highest and best bidder, payable at time of sale, the following descriicd rcal pmpsty,
situated in the Ca~mty(ies) ofThurstan, State of Washingtoxc
Tax Panel ID Na: 11904330303
Abbrcviatal kgal: PART OF SW 114 SW 1 R SEC 4, TWP 19N RANGE 1 W WTLLAMEITE
MERlDIAN
The part of the Southwt quarter of mt Sol;rlfiwcst quarter of Section 4, To* 19 No* Range 1
West WiUamtte McridivC &hated an parcel nlrmbcr 3 of short subdivision number 22-0952 as
recorded Novcmbcr 28, 1978 lmder Auditor's File Number 1059600. Situated in thc County of
Thunton a ~d State ofwasbingmn.
Comrndy )mown as: 8645 JOHNSON POINT ROAD NORTHEAST
OLWM, WA 98516-9558
which is subject to that certain Deed of T ~sl dated 07I2Sl03, recorded on 10102f03, under Auditor's
Filc No. 3582024, records of 'haston County. Washirigton, from Ross D. Gree~, as Grantor, to First
American Title Campany, as Trustee, to secure an obligation in favor of Ciwortgage. Inc, as
Beneficiary.
JR~l[lMlllBAIIWI~
3869571
Page: 1 o f4
18/82n886 11+33
IRST ICWi ITLE KIS SS. TllvuCon Co, M

No action commenced by thc Bcnefieiary of tbe Deed of Tnui is now pmdiag to seek satisfaction of
the obligation in ~ rCowl y by rraaon of the Grantor's or Borrower's default on the obligation recurl
by the Deed of Trust.
The Bsncficivy alleges default of the W of Trust for fdlw to pay Lhc following amounts now in
arrears and/or other dtfaults:
A. Monthly Pnymuru
8. Late Charpw
C. Advtnces
D. Other Amnrs
T0t.1 Armrage
E. Trustee's Expenses
(ltemizrdoa)
TN~CC'S Pea
Attoracys' Fccs
, Title Report
Process Suvice
~rannoryMailings
Recording Fees
Publication
Othcr
Total Costa
TOW Amount Doc
Amount due to reinsate by
@/27/2006
Other ptentia1 defaults do not involve payment to the Beneficiary. If applicable, each of these
dehults must also be cmd. Listed blow arc catgorier of mmmon defnult~ which do not involvc
paym of mrmcy to the Beneficiary. Opposite each such listed default lt a brief description of the
a c t i d d ~ t i oncussa~~ n to cure tbe defdlt. ?he list does not cdvust all posblc oUIo
defaulb: any defnvlki identified by Bcneficbq or Twtcc that are not listed klw must also be
c w .
m R DEFAULT ACl'lON NEC&SSARY TO CURE
Nonpayment ofTa*er!- Deli= to Twn mltrcn proafthat all wu and ascmmnts against the
Dcfaul~ unda any stnior lien
Failure to inm pmm sgaihst h&
Wa.?lc
Unauthorued dc of pmpcrty (Due on Sale)
prom arc paid current
Dcliw to T~sret wrinen proof that ail senior licns ore paid cum and tlut
no other Ctaults
Deliver lo Trustee written proof that hc prom is insured against h a d as
required by the Deed of Trw
and dChiSt fiOm conmittmg wse, rcpair all dmage to pmm bnd
mDLtltain property as required in Dccd ofTw
Rcvm title to &tted vcrts
?he rum owing rm the obbligatjm secured by the W of Tmst is: Rincipl Bslpnce of S67,427.72*
together with interest a8 pmvided in th note m 0th- instrument rcnnsd fmm 03/01/06. and such
3869571
Page! 2 of 4
ff:W

otba costs =and fees as arc due mdcr the No& or other hmment secured, and as an provided by
StatUte.
v.
The abovedescribed real properly will be sold to satisfy the expense of sale and the obligation
s t c d by the Dtcd of Trust as provided by statute. The sale will be msde without warranty, txprcss
or implied qadhg title, pasession, or e n d u s on January 5,2007. The default($) refemd to
in paragraph III, together with any subsequent payments, late charges, advances costs and fccs
therrafter due, must be cured by 1X?5/06 (1 1 days Worc the sale date), to cause a discontinuance of
the sale. The sale will be discontinued and thminated if at any time before the close of the Trustee's
business on 12/25/06 (1 1 days before the sale datc), the default(s) as set forth in paragra'ph El,
together with any subsequent paymen@ late charges, advances, costs and fcts thcrmfltr due, idare
cured and the Trustee's frrs and casts are paid. The sale may be termhated any time after 12/25/06
(I I day6 befm the salt datc), and before the sale by the Borrower, Grantor, my Guarantor or the
holder of any recorded junior lien or en- paying the entire balance of principal and interest
secured by the Deed of Tmt, plus costs, fees, and advances, if any made pursuant to the terms of the
obligation and/or Detd of T m
VI.
A written notice af default was transmjtttd by the Beneficiary or Ttustee to the Borrower and Grantor
ar tl~c followhg address(ts):
AND ADDRESS
ROSS D. GREER
8645 JOHNSON POINT ROAD NOR?HEAST
OLYMPIA, WA 985 16-9558
ROSS D. GREER
2221 CARPEKlZR ROAD SOUTHEAST
LAW, WA 98503
KATHRYN A ELLIS, TWSrZE
600 SreWART ST #620
SEATIZE, WA 98101
JANE DOE GREER
SWUSE OF ROSS D. GREER
8645 JOHNSON POMTROAD NORTHEAST
OLYMPIA, WA 98516-955g
JANE DOE GRf3ER
SPOUSE OF ROSS D. GREER
2221 C W ~ R ROAD SOUTHEAST
LACBY, WA 98503
ROSS D. CREER
UO MORGAN O. ZIEGLER. A m
1232 41H AVE. E SIT 200
OLYMPIA, WA 98506
by both first class and e i h certified mail, rttum receipt requested, or rtgistered mail on 0813 1/06,
proof of which is in the possession of the Trustee; and on 08/3 1/06 Grantor and Borruwn were
personally served with said written notice of default g the written notice of default was posted on a
conspicuous p1ac.e on the real property described m paragraph I above, and the Tmtte has possession
ofproof of such service ar posting.
The Trustee whose name and ad& atr set forth below will provide in writing to myont requesting
it a statement of all forccloaurr costs and trustee's fees due at any time prior to the salt.
3869571
Page: 3 of 4
1B/CRm)s6 114%

The effect of the sale will be to deprive the chantor and all those who hold by, through or under the
Gtantor of aU their right, title and interest in the above&.%ribed property.
Anyom: bving any objection b the sale on my ground0 whatnomr will be nfforded an opportunity m be heard
as to those objections if thcy bring a Lawsuit to reruain the sale plssuant to RCW 6134.130. Failure to bring
such a lawsuit may nsult in P waim of any prbpa grounds for indidatkg the Trurlcc's dc.
NOTICE TO OCCUPANTS OR 'E?&WTS - Tht plechavr at the Trustee's Sale is entitled to pcssessioll of the
property on h 2oh day follohg the sale, as againsr tha Grantor under the dced of trust (thc owner) nnd anyone
kiving ap interest jmior to the deed of trust, inchding o cqmb and tenaats. After the 20' day following the
Bale h pmrhaser h thc right to nict occllpants and tenants by mmmq pmc-gs under the UnlawfuI
detiaincr act, Chapter 59.12 KCW.
The h.ert#'s rules of andon m y be accessed a1
rcferenca You my a h PCCW sale status at
EFFECIWEk 09/j012006
STATE OF WASHrNGTON )
1
COUNTY OF KING )
contret: J&&Tmw
(425) S86-1900
I catify hat I h w or have 6atirktory evidence that M y Tagg~ ib rho perm who a p p d before me, and iaid person
ackpowlcdgcd *signed lhio insmnwlf on oath Mod tfrarsbe ma authotired to cxccute the instrurnen~ md
acknowledged (be/&) as Lbc Adatant Vice Rwidmt of Nonhwm Services. inc, to be thc free and voluntary act of
such pyty for the uses and prtrpoder mentioned in rhc innrumnr
Dated:
2001036734
NcNo; 730123166
Calc~l; CitiMoryplgq k
Bomwec OREER ROSS D.
SERVING WAS~GTON, OREGON, IDAHO & ALASKA
This tr an attempt to collect 4 debt and ray information obtained dl be used for that purpose.

WHEN RECORDED RETURN TO,
Name: NORTHWEST TRUSTEE SERVICES, INC.
Address: i 1830 SW Ken Parkway, ste 385
City, Stalr, Zip: Lake Oswego. OR 97035
Reference#: 7301.23 166 Ross D. Greer
Legal Dcscript~on (abbrevisted): PART OF SW M SW YJ SEC 4. TWP 19N RANGE 1 W WIII-LAMETTE MERIDLAN
Full legal description on page: 3
Assessor's Tax Parcel D#:l 1904330303
SUBORDlNATION AGREEMENT
NOTICE: THIS SUBORD[NATION AGREEMENT RESULTS IN YOUR SECURITY INEREST IN THE PROPERTY
BECOMING SUBJECT TO AND OF LOWER PRIORITY THAN TIE LIEN OF SOME OTIIER OR LATER SEcuRrrY
TNSTRUMENT.
The undersiped subord~nator and owncr agecs as follows:
I. CII'IRAM; FEDEFML SAVINGS BANK refrrred to llcre~n as "subordinator", is !lie owner and lloldcr of a DEED 01:
TRUST dated July 3 I , 2002. recorded under aud~lor's file No. 3357030, anlorig rhc land records ofThurs~on Coun~y. subjecl lo
rnodificatrons thereof, recorded July 13. 2005, undcr auditor's file No 3747920, arnorlg the land rccords oiThurs~on County.
2. CTTMORTGAGE. INC.. A RANK, referred to herein as "lender" ts Ihc o\vner and lloldcr of a DEED OF 1'KUST da~cd
July 25,2003. recorded undcr nudiror's filc No. 3582024, amolig thc land records of Thurston County..
3. In consider~tion of benefits lo "subordinator" from "lender", reccipt and suficlency of which is hereby ocknowlcdgcd, and
to induce "lendcr" to advancc funds under its mortgage and all apeernents in connection therewith, the "subordinator" does
hereby uncondi~ionrlly subordinate the lien ofhis mortgagc ideni~fied in Paragraph I above to the Ire11 of"lendcr's" mortgage.
idenlified in Paragraph 2 abuvc. 3nd all advances or charger made or accrutng thereunder, including any extension or renewal
thcreof.
5. "Subordinator" acknowledges that, prior to the execution hereof, he has had tl~e opportunity to examine the terms of
"lender's" mortgage, notc and agreemenis relating thereto, consents to and approves same. and recognrzes tha~ "lender" has no
obligation to "subordinator" to advance any funds undcr its mortgage or see to the applrcat~on of"lender's" morlga_re funds.
and any applicaiion or use of such funds for purposes other than [hose prov~ded for In such morlgagc, note or agreements shall
not dcieat the subordination herein made in wllole or in part.
6. It is understood by rhe parlies heret.0 that "lcndcr" would no1 make the loan secured by the rnongage in Paragraph 2 without
!Iris agreement.
7. This agreement shall be the whole and only agreement between the parties hereto with regard to the subordination oi [he
lien or chnrgc ofthe mongage first above mcnlioned to the lien or charge ofthc rnorlgage in favor of"lenderV above referred to
and shall supersede i~nd c;lncel any prior agreements as to such, or any, subordination including, ~LII not lrmi~ed to, those
provisions, if any, contained in the mortgage firs1 above mentioncd. uOrich prov~de for the subordirration or the l~cn or charge
thcreort~) a mortgage or nlortgages to be thereafter cxccuted.
8. The heirs, administrators, assigns and successors 111 lnlercst of ~lic "subord~nator" sliall be bound by his agreement. Where
the word "mortgage" appears herein it sllall be cons~dercd ix "dccd oftrusl", and gender and lumber ofpronouns considered lo
conform lo undersibmed.
Subordinnrion Agrermenl Page I of 2

NOTICE: THIS SUBORDMATlON AGREEMENT COhTAMS A PROVISION IIWICH ALLOWS THE PERSON
OBLIGATED ON YOUR REAL PROPERTY SECURITY TO OBTAIN A LOAN A PORTiON OF WHICH MAY BE
EXPENDED FOR OTHER PURPOSES THAh' MPROVEMEm OF THE LAND. TT IS RECOMMENDED THAT, PRIOR
TO THE EXECUTION OF THIS SUBORDINATION AGREEMENT. THE 'PARTES CONSULT WITH THER
AVORNEYS WITH RESPECT THERETO.
day personally appeared ki.i(7? , to me known to be the
1
,i< v

TRUSTEE'S SALE GUARANTEE
OItIlEK NO.: 3079002 HEFERENCIC NO.: 006523M301.23166
~,r,inr~t'n': ~67.127.72 FEE: ~387.00
ItOU'TII Ci~r\ll'I'HBI< OLSEN, P.S. I% NOH'l'll\\'ESI"TRUS'TE~ SBHVII.YFS, INC., AS
TRUSTEE
AN11 CITIhlOR'I'(;AGE, IN(:., PtS IIENtSFICIAHY
I(U7EIN CMLIiO TllF ASSUKXD. AGAINST M S S NOT ESCW.DING nlf I.IAo\Lln hhIOllh7 S'IAlYD ABOVE WHlCll
THE USL'RED S114U SURAIN UY RPA.TON UF ANY INCORKECThT2.5 IN Tllli ASSCIRANCC H'HICII 111E COMPdY
III;U~ILIY GIVES '1 IIAT. .\ccoRrJlwTr TO TIIE PUBLIC RECORDS. ON nu- or I 1: s'rr'm.b IIELOW.
I 1 IIC T ~ ~ 'TO L C n~e IIPR~~IN o~..~cn~ue~) iisi'~irs OR ~.vcnr~-r
x~hccu suel~cr
TO 'I'IIG MATTEUS SllOWN AS ESCCPTIONS tiEHFIN, \i'lll~'lt l

ROSS D. CIIEISR, AS HIS SEPARA'I'E ES'J',ITE.
FEE SIMPLE ESTATE.
nn. uh~, neEnnru .IU IN iws GUAIW.~~ IS SINANJ IN 1x1: STATE OF \YASHINGTON, COUNTY 017
'TIIURSTON mu 1s I ~~III~, u wuws:
(SEE EXHIUIT "A' ATTACHED)
I . LIADLI'I'Y FOR ASSESSh,lEN'TS AND/OR PERSON.41. I'RDPERTY TAXE. IF ANY
? GENER,\I. AND SI'EClr\l. TAXES FOR 'THE CALEXI)AI< YEAR 2007. A LIEN NOT YET DUE OR PAI'AULE.
3 GENERAL l'iLYES. 'I'tlE FIRST HALF BECOhlES DELIN()LIENT AI'I'LK APKIL 3OTli. TllE SECOND IL\LF
BECOMES MI-1NC)UEN'T AFTER OCTODER 3 IST.
YEAR: 2006.
AhlOUNT IIILI-ED. 5847.13.
AMOUNT PAID. SM6.97.
/lhIOUNT DUE: W6.97.
T~V( ACCOUW~ NO.: 11904330303
IAND: 571,050.00.
IMPROVEMENTS: $0.00.
4 PERSONAL PROPERTY TAXES.
----
AMOUN.I- BILLED.
ALiOUNT PAID:
11btOUWl' DUE:
!\CCOUNT NO.
40.00
50.00
$0.00
99803530800
5 SAID TANES AS UILuU I'OK 'I'HE COWN'T YEM. REFLECT AN EXEhIII'ION hS AU-OWED UNDER KC\\:
84.16 FOR SENIOR CITJZNS. ANY CURTAILMENT' OF 'I'HE LXLI.lFTION MAY RFSULT IN AN ADDI'JIONAI.
AhlOUNT BEING DliE FOR 'I'IIE CURRENT Y L\R AND FOR ANY RE-ASSESShlEN'I' 01' 1-AND N\ID
lX1I'KOVEhlENT VALUES
6. A DEED OF TRUST TO SECURE AN ORIGINtII. INL)EU1'EDNLSS OF 525,000.011, AND ANY AhlOUXrS OR
0OI.lGATIONS SECURED THEREBY. UCOKnEI) ,\I!(;LlSI' 23, 2002 AS lNS7'KLJh~lENT NO 3157030, 01;
C)FI:ICIAL RECOIZDS.
D/\'TED:
GRAN7'0K.
TRUSTEE
IIENEFlCIARY
JULY 31,20U2.
ROSS D. CKEER, IlljSiiAND
h1.V. JlJUD PS.
C1TIB:tNK FI:,DERtl, StiYlNG.5 II,\NK.
NOTE: A DOCUhlENT DECLARING h.IODII:ICATIONS THEREOF RECORDED JULY 13,2005 AS INSTRUI*lENT
NO. 3747920 01: OFFICI AI. RECOIUlS.

7. A DEED OF TRUST TO SECURE AN ORIGINAL INDEBTEDIU'ESS OF S70.031.00, AND ANY AhiOUNTS OR
ORLIGATIONS SECUED TIIEeBY. RECORDED OCTODEH 2, 2003 AS INSTRIJMENI' NO. 3582024 01:
OFFICIAL RECORDS
DATED: JULY 25,2003.
ROSS D. CREER.
FIRST AMERICAN ?'I??,E COMPANY
CITIhlORTGAGE, INC., A Ii.4NX.
8. ANY AND ALL OW-RS OF DEDICATION CONnlTlOWQ RFTrRlfllrlNc: c.+ ccurw-rr
- . - - - - - - - - - -
RRED TO IN THE LEGAL D~5CRIFTIOh'
1. TEmlS, COVENANTS. CONDITIONS AND RFSTRICrIONS AS CONl'AINED IN S1iOR.T PLAT KO. sS-0'132
RECORDED. NOVEMBER 28,1978
RECORDING NO.: 1059600
REFERENCE IS MADE TO SAID WCUMENT FOR RJLL PrlK'TICULARS.
A COPY OF WHlCli IS HEREI'O ATACHED.
10. RESTRICTIONS CONTAINED ON THE FACE OF'fl1E PLAT AS FOLLOWS:
1. APPROVED FOR ONE SINGLE FAhllLY RESIDENCE PEK LOT.
2, is% Of: STORht WATER RUNOFFSHALL BE RLTAINED ON SITE
I I. IUANUFACTUED HOME TITLE ELIMINATION APPLICATION KECOK1)ED L)ECEhllil

EXHIBIT "A"
niE LAND REITKI

INFORhlATlON FOR TRUSTEE
RI:.I.A'TIVE TO 7'HE DEED OF TRUST SHOWN AS EXCEPTION 6
I CITY IN \\'HlCH SAID LAND IS LOCATED: UNINCOKPOItATEU AREA
2 PROPERTY ADDRESS: 8654 JOHNSON POINT RO.4D NOIZ1'HEAST, OI.YhlPIA, WA 98516.
ASSESSORS PARCEL NO: 11904330303.
ABBREVIATED IPGAL: PAKT OF SW 114 SW Ii? SEC 4, 71YI' IYN RANGE I W WII,LIh1EI'TE
MERIDIAN
2 TIiE NAMES AND ADDRESSES OF PERSONS 'VIIO I.!,\'IVE UCOIIDED REQUESI'S FOI

Mhen Recorded Mail tot
WTF.GRA'rE1) I.UA?J SERVICES
2 7 rWOOD HOAn
ItQCKY TILl, 0 Om67
1L5#~~
:?,17%3??
Thb Inrcrumrut \-as prcpared by: T ille Co.: LUTEClUTET) 1,OAS SERVICES
MQHA,\lMED 6 IGUE; Title Escrow H:
pl"".)
15851 Ch~ton Road. Bnllnin, MO 63011
TH.4T PUTOF THE GOUIXWEbl' QUAHlTIR OF llE SOUlXAT5T QUARTER Ot. St:

Deed of T~.ust, COD tinued cmbank"
TUGWER WITH nll the impoi.mratr now m hcmftcr orclcd un the Proper~y, md oll ruemen:.,
qhk, spp?tnm,.cr. rents (lubjcct howevrr in the rights and auLor~tks given hrein m You ta coUm a d apply
q~ch rent-,), rnyaltrs, mmrral. nil and gu r~ghls md pmfib. wain. uller ngho and wtn ~nuk md all fulvrcs now
ar hcruhr aschxi lo rhc Pwem (which if rbii Deed of Tnut is on a unit in a condnminiun prujcct urpkyrd
unit dnclopmcng sii: lnrludc the c o m n clcmmb in ~ u project h or dmolopnunt asrocia~ed with guch uil). aU
of sbicb, in;ludmng replrcemmtr and addinom thrcta, rbll k d=mC to bc md imain a pan of rhe Prop2rr).
IN llllNESti WI-UHL'UF. YOU HAVE LMCI3'F.I) TFiJS DEED 01 TRUST, AND AGmL TO BE
BOUhD BY ALL TERntS hl*D COZIDI.I1ONS STATED Oh. PAGT.5 3 THROlJGFi 3 FOLLOWING.
LF TRUSTOR JS AN lND1~IDII.U
12 n . r~~$ln 071311200?
T&m;b;lOSS D. ORE^
I 1 Married [ 1 Unmarrlcd
b4:p 1
Trtn~ur:
I 1 Married [
1)7/3l/t002
] Unmuricd
STATE OF WASIIWCMN
County of THLrRSTOY
a-4- GI d
On this dry personally q-peared before me RQSS D. GRETR 4-R m rn h,,,
bc ihs individual. rn lodiridualc described in rnd who cxccuud [he wia&a and forewing irrmrmsni. md
aibokklcdpd &a1 hc (she or !hey) signed (he a3mc as his (her or their) free md voluntar) act .nd deed. for the urrs
and pUfp05tS hert tin nrtnfinnrd.
Givcu ul~dei 1u.v Iuud UIJ ufliciitl scd (Jib 9 i d Jaj "1.
N0k.r~ Public in and fur Lhc Stat,- of Washjn.rton raid&
tiliir ~ommuiloi rrpircs): 2- J o - ..5clo i
11. LI;USIOH IS A TRUST. - ?
~f,orully but suicly as hustcc 2s aforczaid
I3 )T
. ---
Title
'),';?\ C.Y. ,.

THAT CERTAIN PIECE OR PARCEL OF LAND WITH THE BUILDWGS A m
JMPROVEMENTS THEREON SITUATED, LYING AND BEN2 IN THE Cl'1'Y OF OLYlv1P1 A,
CUCIN'I'Y OF TH1 IRSTON AW STATE OF WASHINGTON:
THAT ?'ART OF THE SOUTHWEST Q\ :XRTE.R OF THE SOUTRh'EST QUARTER OF SECTION 4,
TOWNSHIP 19 NORTH, RANGE 1 WEST, W M , DELINEATED AS PARCEL NO. 3 01: SHORT
SUBDIVISION NO. 22-0932 .G RECORDED NOVEbIBER 28.1978 IINDER AUDITOR'S Flu NO.
1059600.
MEXI\'ING AND WTENDING TO DESCRIBE THE ShhlE PREMlSES CO--'EYED TO TTlF
MORTGAGOR M BOOK 1851 AT PAGE 326 DATED 8!12/31 AND RECORDED Y;l4/91 TN THk
TI I UKS I ON COTTNTY CLERK'S OFFICE.
ASSESSOR'S PARCEL NO.: 11 90j330303
KETURN TO:
CITICORP hlORTCAGE, INC.
C/O INTEGRATED LOAN SERVJCES
3 1 UY\YOOD ROAD
ROCKY Hll.L, CT 06067
escription : Thurston, WA mcumen t - hcID 3457030 Page: 9 of 9
rder : Donna Cammen t :
SECTION: --
B LUCK : --
LOT: --
TOWJ: OLY PIPIA
C O W : ms'ruh

fi~tdillg Requested by &
When Recorded Re!m To:
US Recordjngs. Inc.
2926 Counlry Drive Ste 201
St, Paul, !AN 55117
,tscs~ur', P:rccl or &rolnr Wmher: 99-$0]5- p60 Ahbrrvlarhf I rEnl I hcrlpl"ln: Ser Schrrhtle A Alrnrhrd Uerrlo And htndr A Part Hcrmf
h,+~./- j ~ L' d j~)i $c 9, Twp I? A; uk.\g~I W LJ~ l{~~c+k
Il~~cl~dc Ini. l~lcck rnj \Antor rccnon, ronrukp doll mr$ej
I'IU:~~. firu 4rnrrican rille OUBI~UD)
Ftrll k?al drscripl.0~ lo~+lnl uu p ~ r
15ectior.s 3, 11, 13. 13, :O ;in13 21. Cataill rulca rcyading 1t.u caage ni woms used ijr IS riocwlr~~i YTC
~ Ypruvidd U UI Sc~tivu 10.
(A) 'lSccuriq. Tnsinnnmt" m a s this docurr.~.~. ~vI.h~ch is dat:d.lul? 15, 2(103
t2gnhcr with dl Rider6 lo 12lis docnrnenL.
(H) "Ronnrvcr" i; Ross D. Grm.
in ~nulfipl? SeClfOllj of Ihb docunmt 3.n de!i~vd below 3lld O~>LY :v,)nl.c arc LIu~II)~~
Hrirrr?u.cr la thc 1ruvu)r undc~ &IS Smuri~
((1) "Ludw" IS Cltl3lortgepc. Lnc.
OOZUU103673J
Inh[runicnr.
W.3SHINCTON-Si>gls Fern~lpFsnnio ModFledd~r Mac UPIIFORM INSTRUMENT Form 3048 It01
escription: Thurston, WA Document -DOCID 3582024 Page: 1 of 16
rder: Donna Comment:

I HAT P.UT 01: TlE SCL'I'I IWEST QL'IIRTER OF f'HE SOLrIH\Y EST QLIAK I h.1( 01; SECTlOh. 4, TO~.NSIII&~ I!)
XONTH. LUh'ciX I \YtST \t'ILI.Ah.lliTTE .MERILllAV. DELlhiIIATED .2S PhRCELNLhtDER j OF SHORT
jLIBDn'lSION MbWltR 22-0.15; AS RECCRDtU !;O\FhltfPR 28, 1978 1;NDm XLIUI.] OKS FILE NLAIIIER
1019600. SITUATED Ix THE CO!!NTY OF THt:WS TOK AND STATE OF U!ASmGTON ;uER:,:. LI:(;;~L. S\!,l 1.;.
(JF THE SU' I;? OF SEC. 4, TIPN, Klw, W.V. PN 7 OF SSN ?;oy-j?.
Description: Thurston,WA Document-DocID 3582024 Page: 16 of 16
Order: Donna Comment :

Record a id kiuri: w
I PROPPR7Y DESCRLPTION - SEE ATT.4CHED RIDER A]
W S AGREE-MENT is mrde and enwd inlo U ~ Jut) S ZY, ZUOJ. by and bct.tsen Cici?ac\k, i:.S l\ .
whoso principal ~1al;c cf busincs ia : I %Of) S:=ublirr~ Ccnlcr Drive, Reawn, VA 22040 (tlw "Lender"). a~ld ROSS D.
CFEER tcnllec~i:'cly rcferrd w herein afi "Tbn~lu.cr'j Thc "Prnpeny mtaw thl: red estate htullxi aim
JClHNSOX POTKT ROAn .YE, OLI'MPIA. W.4 YNS 16,
WHEREAS. hrrur*cr ubtulnc[la home cq~ity line ~l'~redit from Ledao:7 OI1MSt2Bn2, w111r.h line 111
sroditin etidenced hy o Yomc Eqcit) Li~u: orCrzdi~ A ~ I I ~ a~d C I3isch~urc:
U ~ ireierred u) hersill as 11% "fjok"~
o-d ;sc:lrr.tl hy a Secur:ry Inxtmmt~~ ("Scsw'lty lrntrumcr~") in .Jx form at 3 mongazc or dvA oi ass1 retcvtdd apa
Jdf\?(UQo1'Ik Official Keurrds ol''I'HI))L)?O.\ rounf)' (or if wttred ty a mp. a wcunty lnlerejr in the suxk
vw~i-cr?;l~iF)uC ~k co-IT,. The orjgino. Sz~m~y Inwumenr Ur86 m ~k pnnclpzl annili,r ol'S2S.UUO.W. JIK
allll
IVHEREAS, all tern).:. wsd hcrcul and nor otheruisc tlcfi~xd shall ]lave Ilir rtcsliing ECI ronlr i l c k 5c.w;
WTEK.F.AS, Domwcr h ~z requested &.a1 hc Cnd~i 1 init XI lor~h in the Vote k jacrew:d, ltnrl lenrter i~
willing cllow the CrcJit 1.i1mI TO bc so ix~t;ltaj.
escrlption: Thurston, HA Documen t-DocID 3747920 Page: 1 of 4
rder : DoM a Comment :
NOTTONUlOE nao . ~ 2 .e0 2 lhurstan CO Us.

2 NO OTHER MODlFIf .\TION. F..ri:tpl a3 oUrmise set ioT111 lurejn, all :>~ILT
krmr and cr~od~tronr of
~11r NIII~ UIIJ Sc;uri(y Inulrumunr shall rcrntin unchulnec alid Ir8 lull forcc unrf cfSwi.
3. SECURITY INSTRUMENT. Lender and Uonousz opec tlvt h &uriLy in3tnunent described above
will carl~ir~ur ~osccun. all cbljgation:, lo 1.cuder under the Note w oiodificd ty Ihij .Qrwment. NnU~lng
this hgmmnn~t \\ill nffocl or ilnpil LcrldC1.3 stcur~lv i:ilm~l
In Ihc S~vuritv btnuntm\, ar.dlor be ;emtrued lo he a r.l~t*sti~~n, .ratir;liulion or a partjol or tobl rrleni: ,,i
Ihc tGotc or &x~urt; l~~rtrumenc
i COMPLETE T'N~ACY'JUY. b~cepl os rxplvuul~~ ~nodllicd
In, tr lien prjont). en. aths plow- ~ C ~ illrJ L I
b> thlb Agrccmcnt 111 rsrlnr nt'Lh~ t41,lc
and vxunn lncuurnent renlnln n nlll fmcc r~rlrl t.llrv-t P! srgnirp belo\%. Letdm d Ilonn~c~ ackr~or~lrdgr Jtcle die Ir, UJJ~II~IUI, trnvsur sErccnlLn:s bmween then. on1 or talllm
1; OTaER'YJiHMS. If any Inns ot'lhls ~\glear.enl tlrc Jcc.rn;d ~nvalid nr 'lnc~~?ofcrnhlc rn 111htauiw
i~ll'eck .I lin~ pnvr.ly tli ihc Sauriiy Instrunlent, this 4rc:run;r sbU immrdistel!: cern~i~~acc and ihs
~~rigtntrl Icmts or the Note ,utd Sccttri~y 1n:ttucounc hull crpplb
LENDER AKD BORROWER ACRE' AND AC:CEPT THE 7ERh13 OF THIS ACRBLblHM7 AS OFTHF,
DATE FIRS1 ABOVE WRITTBN.
scription: Thurston,WA Document-DocID 3747920 Page: 2 of 4
rder : Donna Commen t :
I,)

()I\ ihi~ .Joy I)L':~I~AIII~ U~I~LMC.~ h ~ l ~ l ROSS ~ ' ~ D_GReERlo ~ : Ine ho~n to bethe mc~vid~j, or
ULII~.BUII JIsi~ih~d YJ NXI vl~erw~~sd 1111 wtlh rind imgimq ir.~uur.~cnt. a d ack~muledeed th.~~l,r fir
1:) , ~tgnal ~ hc
acl aid deed, &.I Ute u\+h J I IIIIIYVXCS ~ lllcnu~
mun(ronoJ
wrnc asL@l~cr 01 tbcu frcc 61 d voJuri%~
N.)l~ru Ptlhl~c: ix and for thr iut of \V;uhu~grou re;iiftr~~ at
!dulr oc~mmi,siuo crpirrs), fi. [9. -
?scription: Thurston, Wd Documen t-DocID 374 7920 Page: 3 of 4
rder: Donna Comment:
. . - - - . -
NRTIOW~OE m D $22 60 lhurston Co ua

,VOTE AVD MORXA GE .UODJFl(:..lTJOh ACREE\4Eh'?
RIDER A - PROPF.RW T)lCSCWTIO.1:
ALL THAT'CLR'I.4VJ PIECE OR P.WCEL OP L.\X;I)WTH THEBUILDMGS AM> lMPItO\'ULNTS
TIIEKI-ON STWA'lFI), LYING *\SD BEEG M TUI-. Clf Y OS' f.ILYMPJ.4, COI MTI' 01 ' TKURSTON AhD
STAlE OF WASHINGTON:
THAT P.4RT OF T11I: SOC'TIIwEST QUARTER 01: THE SOV'l'll~EST QLla'Im Of'SPCTT0143,
TOWNSHIP IS, SORTIT. KANCI: 1 WEST. W.M. DEL.nX.4Tt:ll AS PARCEL NO. 3 OF :lliOltT
SUDU~7SIilN NO 22-llV+2 AS 14:f )*J.IED Ni.~VEMBER 26. 1978 \JYIN.X AUDITOR'S FILE. NO. Iflsuwo
ML.Q\(INCi AND MTEMIKh'ti TO DESC'KIDP THE SAME PKHMISXS WNi~ElTD Tc') THF MC)l~'I~tiAc;i?R
1)3 BOOX 1851 .kTP,\GE 326 I)ATlil) 8'12'91 AND JtECORDEIl fii14,Yl LIN TIE THURSTON C('>W'Y
cr.t:u1s (.IFFICE.
ASSESSOR'S P.4RCRLIJO.: '. lYtW??030!
H~TIONUIDE n0C) $22 00 T~UI-6
ton Co Uh
3scriptron ' Thurston, WA Docwnen t -LWcID 3747920 Page: 4 of 4
7rder . Dnnna Commen t :

A h Recording, Ratnrn to:
fitby Taggart
Northwest Tqtee Services, INC.
P.O. Box 997
Wwe, WA 9800W997
FIle No. 730133166/GREER, ROSS D.
' Granton: Northwest Trustee Suvices, Inc.
CitiMongngc, Inc
Grantee: GREER, ROSS D.
On bury 5 2007, at 10:00 uh oenr the dircetary in fiat of the ihwtm Cnunty Courrhouy,
2000 Lakcridge hi*s S.W. m the City of Olympia, State of Washington, the undmimed Tmtee
(subject m any conditiau imposed by the trustee to protect lender and borrow=) dl1 sell nt public
auction to the highest and best bidder, payable at time ofsale, the following d~snbed rcal propsituated
m the Cauaty(ies) oflhrstq State of Washington:
TZX P=C~ m Na: I 1904330303
Abbrcviattd Lcgal: PART OF SW 114 SW 1 R SEC 4, TWP 19N WGE 1 W WILLAMETTE
MERIDIAN
Tbe pmt of dx Southwest qmrkr of" Sowhwcst qmer of S~don 4, Towhip 19 No& Range 1
West WiUlmettc Mcrik &hated as pvrsl number 3 of lbon subdivision number 22-0952 as
rrcadcd Novcmbcr 28, 1978 1mderAudfmf~ File Nwnber 1059600. Situatd in the County of
Thurslan d Stete of Wwhingtun.
Commonly known as: 8645 JOHNSON POINT ROAD NORTHEAST
OLYMPIA, WA 98516-9558
which is subject to that certain Deed of Trust ducd 07/25/03, recorded on 10/02103, under Audiror'n
Filc No. 332024, records of Tbunon Carnty. Washi~~gton, from Ross D. Gmr, as Granmr, to Firrr
American Title Company, as Tnutee, to wure ul obligation in favor of CifiMortgage. he, as
Beneficiary.

No action commenced by tht Beneficiary of the Dad of Trust is now pmding to seek satisfaction of
the obligation in any Court by reason of the Grantor3 or Borrower's default on the obligation secured
by the Deed of Tmt.
m.
The Beneficiary allqcs &fault of the Deed of Trust for failm to pay the following amounts now in
arrears andtor other dthlts:
Amaunt due to reinst3te by
09/27/2006
A. Monthly Paymu
B. LPtc~ea
C. AdPrnraa
D. Other Amnrs
Total Arrearage
E. Troaec't Expen-
(Itemintion)
Tmsfte's Fca
Attomtys' Fccs
. Title Raport
Proctsa Suvice
SaMcryrngs
Recording Fecs
Publication
0th
Total -
Taw Amount DOC S5,76258
Other potential defaults do not involvepayment to the Beneficiasy. Zfapplicable, cach of these
dthults must also be cured. Listed below are categories of comwzn defaults which do not involve
paymcnt of money to the Beneficiary. Opposite cach such listed default is a brief description of thc
actiddoamentation necessary to cure tbe default The list does not exhaust all possiblc other
defaults; any defaults idtntified by Beneficiary or Trustee that are not listed below must also be
clrred.
07HER DEFAULT ACITON NECESSARY TO CLW
Nonpapat of Taxer/- Miva to TWU wriacn proof that all ma and bwcsimcnts against the
propkcy rm prid cvntat
D&lt &a my smior lien
Falure to insure property against hmard
Waste
Unaubonzd sale oipmpcxy @uc on Sde)
Deliver to T ~ tarrinrn c proof that all senior liens ate paid c u m and hu
Ira othu dckulu ex&
Rlivn to Run# wriam pmof b t hc pmprty is insurui against hrrnvd ss
squired by rhe Deed of Trust
(2~ snd desipt from codttmg \4.~ne, rcpair all d m to pmpeny and
rnalntain propoty as required in Dccd of Trust
Rcven title to pomiatd v-
The sum owing an the obligation secured by the Deed of Trust is: Principl Balance of 957,427.72,
togaher wih interest as provided in the note ca olhn instrument secured from 03/01/06. and such

other costs and fees as arc due under the Nott or other iwmment secured, and as arc provided by
statute.
v.
The abovtdescnlxd real property will bt sold to satisfy the expense of sale and the obiigation
secured by the Dccd of Trust as provided by statute- The sale will be nmda without warranty, cxprcss
or implied regadng title, possession, or encurabrances on January 5,2007. The default(s) referred to
in paragraph ID, together with any subsequent payments, late charges, advances costs and fccs
thereafta due, must be cured by 12/25/06 (1 1 dxys beforc the sale date), to cause a discontinuance of
the sale. The salc will be discontinued and terminated if at any time before the close of the Trustee's
business on 12Q5106 (1 1 days before the sale date), the defadt(s) as set Grth in paragraph IU,
together with any subsequent payments, late charges, advances, costs and f s thcrafter due, idare
cured and the Trustee's fees and casts are paid. The sale may be terminahd any time after 12/25/06
(1 1 days before the salc date), and before the sale by the Borrower, Gmtor, any Gumtor or the
holder of my recorded junior lien or encumbrance paying the entire balance of principal and interest
secltnd 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.
VL
A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor
at thc following adciress(es):
W A N D ADDRESS
ROSS D. GREER JANE DOE GREER
8645 JOHNSON POINTROAD NORTHEAST SWUSE OF ROSS D. GREER
OLYMPIA. WA 985 16.9258 8645 JOHNSON POIEFT ROAD NORTHEAST
OLYMPIq WA 985 16-9558
ROSS D. GREER JANE W E GRl3ER
2221 CARPEN7732 ROAD SOUTHEAST SPOUSE OF ROSS D. GREER
LAW, WA 98503 ' 2221 CARPENTER ROAD SOUTHEAST
f-AcBY, WA 98503
UmYN A ELLIS, TRUSEE
600 SreWART ST #620
SEATTLE, WA 98101
ROSS D. GREER
C~O MORGAN a. ZIEG~. AW
1235 41H AVE. E STE 200
OLYMPyl WA 98506
by both first class and eik certified mail, rctum reccipt requcstd or rtgistered mail on 08/3 1/06,
proof of which is in the possession of the Trustee; md on 08/3 1/06 Grantor and Bomwcr were
personally w ed with said written notice of defaulter the written notice of default was posted on a
conspicuous place on the real property described in paragraph I abon, and the Trustee has possession
of proof of such service or posting.
The Trustee whose name and a d k an: set forth below will provide in writing to anyone rcquesring
it a stalcmcnt of all fmclosurc costs and trustte's fees due at any time prim to the salt.

The effect of the sale will be b dtprivc the Grantor and all those who hold by, thmugh or under the
Grantor of all their right, title and interest in the abovMitscribed property.
Anyone having my objeEtion to the sale oa any grow& whatnoevcr will be aff'ordcd an opportunity to be hemi
as to bca objdons if they bring a lawsuit to r=uain the sale pummtto RCW 6134.130. Failure fo bring
' such a lawsuit m y mlt in a waim of my propcr grow& fw invdidarmg the Tmsb's sale.
NOTICE TO OCCUPANTS OR TENANTS . Tk mhasa at tht T~stec's Sale is entitled to pcssouioa of thc
property on tho 20' day following the sale, as against Grantor unda the dctd of nust (rhc owner) nnd anyone
kavhg an interest junior to the detd of W inchding 0ccupa.nt.a and tenants. After tbt 20" day following the
gzle the m h ha thc right tp evict ocmpmb and tenants by summy pmcexhgs under the unlawful
detjmcr act, Chaptcr 59.12 RCW.
reference. You my
EFFECIIVE: 09&12006
Conhri:
(425) 586-1 900
I certify that I lmow or bve sati&nry evidaru that M y Tqgnrt is tho pwn who + bcfore me, hnd said p m n
acknowledged chabJu signed lhi8 instmmt, on oath statd thPllbc wae aurhmkd ur nccute the instrument and
acknowledged (he/&) as tht Adstant V k Prcaidat of kahwesr -en. In& to be the fm and valunrery act of
such pmty for the usu and purpose mcndoned in thc insmmnr
My ammission expires -lac.???????????????????-
N o R ~ T ~ ~ E S ~ ~ ~ C L ~ % S ~ W M P R G E R ~ N O ~ ~ Q B L W C E S P L U : ~ N O ~
TaU16fPr than- LLC r.0. b. 997, W o . WA M0WW Mom (423) $#I900 ru (42s) 5s6-1997
2001 036734
NeNo; 730123166
Clleat; CitiMdrcgsgq lnc
Born- ROSS D.
SERVING WASK~NGTON, O~GON, LPAHO & ALAS-
This f an attempt to c01Ied a debt and any information obtained will be used for that purpoa

WHEN RECORDED RETURN TO.
Name: KORTHWEST TRUSTEE SERVICES. INC.
Address: 11830 SW Kerr Parkway, ste 385
City, State, Zip: Lake Oswego, OR 97035
Reference#: 7301.23 1661 Ross D. Greer
Legal Description (abbreviated): PART OF SW '/. SW YJ SSEC 4. TWP IYN RANGE I W WlnlAMETTE MERIDlAN
Full legal description on page: 3
Assessor's Tax Parcel D#: 1 1904330303
SUBORDlNATION AGREEMENT
NOTICE: THIS SUBORDINATION AGREEMENT RESULTS IN YOUR SECURITY MTEREST IN THE PROPERTY
BECOMING SUBJECT TO AND OF LOWER PRIORITY THAN TIE LIEN OF SOME OTHER OR LATER SECURITY
JNSlXUMEh7'.
The undersigned subordinator and owner agrees as follows:
I. CII'BANK FEDERAL SAVMGS BANK referred to I~erein as "subordinator", is the owner and holder of a DEED OF
TRUST dated July 3 1, 2002. recorded under auditor's file No. 3457030, anlong thc land records ofThurston County. subject lo
modificar~ons thereof, recorded July 13, 2005, undcr auditor's file No 3747920, arnorlg the land records ol'ihurston Counry.
2. GITMORTGAGE. INC.. A BANK. referred to herein as "lender" IS the owner and holder of a DEED OF TRUST datcd
July 25.2003. recorded undcr auditor's file No. 3582024, among the larid records ofThurston Counry..
3. In consideration of benefits to "subordinator" from "lender", receipt and suficicncy of which is hereby ocknowledgcd, and
to iriducc "lender" to advancc fun& under its mortgage and all agreements in conncctiun therewith, the "subordinator" does
hereby unconditionally subordinate the lien of his mortgage ident~fied in Paragraph 1 above to the lien of"lender'sn mortgage.
identified in Paragraph 2 above. and all advances or charges made or accrulng thereunder, includ~ng any extens~on or renewal
thereof.
5. "Subordinator" acknowledges that, prior to the execution hereor, he has had tlic oppor~uniry to examlnc the tcrnls of
"lender's" mortgage. note and agreemenis relating thereto, consents to and approves same, and recognizes that "lender" has no
obligation to "subordinaror" to advance any funds under its mortgage or see to the appl~catio~l of"lender'sW mortgage lunds,
and any application or use of such funds Tor purposes other than those provided for in such mortgage, note or agreeinents shall
not defeat the subordination herein made in whole or in part.
6. It is understood by the parties hereto that "lcnder" would noi make [hc loan secured by the rnongage in Paragnph 2 without
this agreement.
7. This agreement shall be the whole and only agreement between the parties hereto with regard to the subordination of thu
lien or chnrge of rhe rnortgage first above mentioned to the lien or charge of the rnorlgage in favor of "lender" above referred to
and shall supersede i~nd cancel any prlor agreements as to such. or any, subordination including. bdt not limited to, those
provisions, if any, contained in the rnortgage first above mentioned, which provide for the subordir~ation of the hen or cllarpv
thereof 11) a mortgage or mortgages to be thercarter cxecutcd.
8. The heirs, administrators, assigns and successors it1 lnlercst of the "subordinator" shall be bound by this agreement. Where
the word "mortgage" appears herein it shall be consldercd as "deed oTlrust". and gender and number of pronouns considered to
conform to undersiped.
Subordinntion Agrerment Page 1 of 2

NOTICE: THlS SUBORDINATION AGREEMENT CONTAINS A PROVISION tVl4ICH ALLOWS THE PERSON
OBLIGATED ON YOUR REAL PROPERTY SECURITY TO OBTAIN A LOAN A PORTION OF WIICH MAY BE
EXPENDED FOR OTHER PURPOSES THAN PvlPROVEMEM OF ME LAND. TT IS RECOMMENDED THAT, PRIOR
TO THE EXECUTION OF THlS SUBORDINATlON AGREEMENT, THF: PARTIES CONSU1.T WITH THE[R
ATTORNEYS WITH RESPEQ THERETO.
day ,sonaIIy appmed Hs.dl
J kihf , to me known to be the
,i< ($,'"A \ of ~ i L k . ~ l C , and Ihst hekhe executed the within
and foregoing instrument, and acknowledged the said instrument to be hivher &ee and voluntiuy act and deed for the uses
and purpo~s therein mentioned, and on oath stated that hdshc excxuted the insmcnt in hishcr authorized capacity.
GiYEN WDER MY HAND AND OFFlCW SEAL this* day a 9kdu- b~*' ,200&.
FRANK PREWJTT
Notary Public Slate of Missowi UTARY PUBLIC in and for the State of&
County of St. Louis
My Commission Expires May 12,2007 MY ~~n~miss~on e x ~ i r c s ~ ~
LEGAL DESCRlPTlON
THAT PART OF THE SOUTHWEST QUARTER OF THE SOUTHWEST QUARTER OF
SECTION 4, TOWNSHIP 19 NORTH, RANGE 1 WEST WILLAMERE MERIDIAN,
DELINEATED AS PARCEL NUMBER 3 OF SHORT SUBDlVlSlON NUMBER 22-0952 AS
RECORDED NOVEMBER 28, 1978 UNDER AUDITOR'S FILE NUMBER 1059600.
SITUATED IN THE COUNTY OF THURSTON AND STATE OF WASHINGTON.
Subordinorion Agreement Poge 2 of2

TRUSTEE'S SALE GUARANTEE
OItIIEK NO.: 1079002 KEFERENCI: NO.: 006523W7301.23 166
S U U J 10 ~ ne rxc~~~sutis
A%NUEU ANn U:J% & IOU
~wclri cr,vF.n~m ~ wc uwns of IJ.UIILITY e.n onin ~RDVISIONS I>* rnc ~'IINII~~KIW ~kn
r OF WIS r~JhYmL
Firxt ilntcricnrl Title ln.rl~rcir~ce C'omynny
a corporation. l~crciri c;lllcil I ~ Conlp;lny.
P
(TIYICAIII)~~~ JITPlXI
ItOU'TII CftAIII'HEl< OLSEN, P.S. & N0KK'1'11\\'ES'I"TRUS'T~E SERVI(:ILS, INC., AS
TRUSTEE
AN11 CITlh.IORT(;AC;E, IA'C., ,tS IIENEI'ICIAKY
IIEREIN ChLLlir~ TIIF A5SUKEU. AGAINST MSS NOT ESCUiDlh'(; r)lC I.IAOILITY hhlOIJh7 S'IAlUD AllOVC WiICIl
THE ,\SSC'RED SII~U SUST,\IH BY RPAZON (JF ANY INCORKECMSS IN nu: ASSLIRANCE WI~ICI~ nle C:I,MPWY
III~HI:IIY GIVES .T~I,\T. .\CCORT)IP;G 'TU TIIE PunLlc RECORDS. ON ~II: IM IL: s'rA'tw I~ELO\V.

ROSS U. GIEISR, AS HIS SEPARA'TE ES'TATE.
FIX SlklPLE ESTATE.
TIE w71 HERRREU IU IN THIS GUAM= IS SfN.4Nl IN ~ X E STATE 01; \YASHINGTON, COUNTY 01:
'THUIISTON mu IS rmrxtnm u ruuaws:
(SEE EXHIUIT "A' ATTACHED)
EXCEPT1 ONS:
I. LIADLI'I'Y FOR ASSESSbIEN'TS AND/OR PERSON.41, I'ROPERTY TAX=. IF ANY.
2 GENERAL AND Sl'ECl,lI. TAXES FOR THC CALENI)AI< YEAH 2007.14 LIEN NOT YET IIUE OR PAYABLE.
3 GENERAL I'rLYtS 'I').IE FIRST HALF BECOhlES DIILIN()LIENT AI'JI'LH APKII. 30'Tli. TIiE SECOND litiif:
BECOMES IIELINQUEN'T AFTER OCTOBER 3IST.
YEAR: 2006.
h410UNT DILI.ED. $847.33.
AhIOUNT PAID. SJJ6.97.
AhlOUNT DUE: U16.97
TAX ACCOUKr NO.. 1190930303
WD: $71,050.00.
IMPROVEMENTS: $0.00.
4 PERSON:\L PKOPERJT TAXES.
YE.*: ZOO6
AI'-IOUN'I' UILLED: $0.00
ACIOUNT PAID: 50.00
/\hlOUWi' DUE. $0.00
:\CCOUN'T NO: Y9801530800
5 SAlUThNES AS UILU:D !:OK SHE CUMN'T YEAR KEFLECT AN EXEhlPI'ION AS NLOWED UNDElZ KC\\:
84.36 FOR SENIOR ClTl'ENS. ANY CURTAILMENT' OF I'HE EXR1PTION MAY RFSULT IN i\N ADDI'TIONAI-
AXIOUNT BEING DUE FOR 'Sl4li CURRENT YL4R AND FOR ANY RE-ASSDShlEN'I' 01' ]AND AND
Ihll'KOVEhlENT VALUE5
6 A DEED OF TRUST TO SECCu AN OI1IGlN,Il. INDEUI'EDNESS OF S2S.000.011. AND ANY AhtOLS'TS OR
0OI.IGATIONS SI;CURI:D THEREBY. KEC0KDF.I) z\l!(;USI' 23, 2002 :IS INSI'KUhlENT NO 3.157030 01.
OFFICIAL RECOllllS
Dt\'I'EU:
G R A N7'OR.
TRUSTEE.
IjENEFIClARY.
JULY 3 1,2002.
ItOSS D. (;K.EI.:R, IIIISI~ANU
h1.V. JUDD PS.
C1TlU:INK FEDERi I. SAVINGS IIANK.
NOTE A DOCUMENT DECLARlKG bIODlf'ICATIONS THEREOF KECORDED JULY 13,2005.4S INSTRUh.1EN.T
NO. 3747920 01: OFRClAl. RECOIDS.
PAGE 2

7. A DEED OF TRUST TO SECURE AN ORIGINAL INUEBTEDNSS OF S70,031.00, AND ANY A~~OUNTS OR
ORLIGATIONS SECUUD TlIEfUiBY. RECOKDED OCTOBER 2, 2003 AS INSTRtJMEN.1' NO. 3582024 01:
OFlClhL RECORDS
DATED:
GRANTOR.
TRUSTEE.
BENERCIAIZY:
-
ROSS ~~'CREER.
FIST AMERICAN 1'111.E COhIPtiNY.
ClTlhlORTGAGE, INC., A HANK.
8. ANY AND A1.L OFERS OF DEDICATION. CONDITIONS. RFA"TR1CTIONS. E.\SEUENT S.
FI3NCELINWBOUNDAKY DISCREPANCIES. NOTES AND/OR I'ROVISJONS SHOWN OH UlSCLOSED BY .rtlE
FILED OR RECORDED MAP REFERRED TO IN njE LEGAL DF-~:RIFJ-IUN
3. TERblS, COVENAN'I'S, CONDITIONS AND RE-STRICTIONS AS CDNl',\INED IN S1IOR.T PLAT NO. SS.01132
RECORDED. NOVEMBER 28,1978
RECORDlNG -. NO.: ---- 1059600 ---
RI%~~NCE IS MADE TO SAID DOCUMENT FOR RILL PAKTICC;L~\RS
A COPY OF WHICH IS HERESO A'ITACI4ED.
10. RESTRlCTlONS CONTj\INED ON THE FACE OF'I'IiE PLAT AS FOLLOWS:
I. API'ROVED FOR ONE SINGLE FXh4lLY RESIDENCE PER LOT.
?. is% 01: STORhl WATER RUNOFFSHALL i3E RLTr\lNED ON SITE
I I. MANUFACTUW-D HOh,tE TITU El.lh.1INATION APPUC/\TION KECOHIIED DECEhllil-It 14, 1992 LJNDEII
KECORDING NO. 9212150275, VOL. 2036, PAGE 706 iVHICI.1 RECITES l'Hr\T .4 AIANLIFA~:TUWU (hfOl3lLEj
I~OXIE IS. OR IS UEING. AFFIXED 'ro s,m I'REE*IISES.
12. PROCEEDINGS IJENDING IN TllE IIANKRllPTrY rnll~r nl:Tl4c: nlrT.-l.r:n~ nlwn~r -1. ~rr-r~rl: t I c
- . .-
REUEF U'AS FILED ON r\PRIL 28,2006
NOTE: AN ORDER GRANl'INti RELIEF FROhl .JNE ,\UTOMhl'IC STAY \\'AS I-'ILED .I1!SI< 29. 2006 IN I':\VOR 01:
Cl'r1hlORTC:iCE. HOWEVER. SAID CASE HAS NOT HI1EX CLOSED
I3 UNLESS 'SHE PROPERI'Y DESCRIBED IN .I?llS REPORT IS I-OCATEII IN KING. I'IEKCE 011 SIJO~\NE
(301INTIES NO SEARCH OI'I'IIE RECOlll3S OF I'ilE llNlTED STrl.I'T:S Ui\NKHIJITCY COURT tIAS IjliEN hl,\DE.
PAGE 3
. ,

EXHIBIT "A''
ntE LAND AEI'EHRF.D '10 IN THIS GURIL~NI-EE IS S ~ A W D
(>I.' '1'11 URSTON AND 1s DEYCRlDED AS FOLLOWS.
IN .nl~ STATI< OF \YASI1INC?'ON, COUN'I'Y
1'HAT PART OF THE SOUTHWEST QUAR'ffZR OF THE SOUTIIWFST QUARTER OF SECI'ION .I. TOIS'NSIIIP 19
SORM. RANGE 1 WEST WILLAhlE'I-I'E blERIDIAN, LIELINEIITED AS PARCEL NUMOm 3 OF Si1ORT
SUBDIVISION NUMBER 22,0952 AS RECOIDED NOVEMOER 28, 1978 UNDER AUDII'OK'S FIE NUhtUEH
I OS9h00 SITIJ.4l'liD IN 'THE COUNTY OF THURSTON AND STATE OF WASHINGTON

INFORMATION 1;OH 'I'Ii US'I'EE
RIilA'TlVC TO THE DEED OF TRUST SIiOWN AS EXCEPTION 6
I CII'Y IN WHICH SAID LrWD 1s LOCATED: UNINCOHPORriTED AREA
2 PROPWTY ADDRESS: 8654 JOHNSON POINT ROAD NOl

I~X1ill~l'l' "A"
THE LAND )(EFEKRED TO IN THIS GUARANTEE 1S SITLIA'I'ELI IN Tt1E SI',tTE 01: LV,iSIfINCI'ON. COON'rY
OFTHUHSTON AND IS DF5CIUBED AS IzOLLOWS:
THAT PART OF THE SOUTHIVEf QUARTER OF THE SOLTHWEST QlJARTER OF SECTION 4, 'I'O\+'NSHIIJ I!,
NORTt1. KANGE 1 \VF3T WILWE7TE .MERIDIAN. DELINEATED AS PARCEL NUMBER 3 OF SIiOK'I'
SUnDlVlSlON NUMBER ??-(US2 XS RI:COKDED NOVEhIDER 28. 1978 UNDER AUDI1'OK'S F11.L NlJhlUEK
1059600. SITUATED IN 1'HE COUNTY OF TliURSTON AND STATE OF WASHINGTON.

CERTIFICATE OF SERVICE
I hereby certify that I served the foregoing APPELLANT'S OPENING BRIEF on:
Jennifer T. Karol
Bishop, White, Marshall PS 4 r-
720 Olive Way, Suite 1301
-
Seattle WA 981 01
FAX: 206-622-0354 { , I
- -
by the following indicated method or methods: I
, I - v
X by mailing a full, true and correct copy of said documents in a sea~hd,'first-class,
postage-prepaid envelope, addressed to the attorney(s) as shown above, the
last-known office addresses of the attorneys, and deposited with the United
States Postal Service at Portland, Oregon, on the date set forth below.
- by causing a full, true and correct copy thereof to be hand-delivered to the
attorney at the attorney's last-known office listed above on the date set forth
below.
- by sending a full, true and correct copy thereof via overnight courier in a
sealed, prepaid envelope, addressed to the attorney as shown above, to the last-
known office address of the attorney, on the date set forth below.
- by faxing a full, true and correct copy thereof to the attorney at the last-known
facsimile number for the attorney's office, on the date set forth below. The
receiving facsimile machine was operating at the time of service and the
transmission was properly completed. The facsimile confirmation sheet has
been retained in our case file.
- by electronic mail a full, true and correct copy thereof to the attorney at the last-
known email address for the attorney's office, on the date set forth below. To the
best of my knowledge, the receiving email was operating at the time of service.
The email communication sheet has been retained in our case file.
Dated this 26th day of October, 2007.
-z
cj .
3r%L(-A m
L
Darcie Hildreth, Assistant to:
Terrance J. Slominski, OSB# 81376
Of Attorneys for Greer