NOTICE OF TRUSTEE'S SALE Grantor: CATHERINE J. ARLEN Current Beneficiary of the deed of trust: WAFD BANK FKA WASHINGTON FEDERAL BANK Current Trustee of the deed of trust: WASHINGTON SERVICES INC. Current mortgage servicer of the deed of trust: WAFD BANK Reference number of the deed of trust: Recording No. 202310130075 Parcel number(s): 4359-000-021-0103 I. NOTICE IS HEREBY GIVEN that the undersigned Successor Trustee, NANCY K. CARY, will on June 26, 2026, at the hour of 11:00 a.m. at the front of the Kitsap Administration Building, Main Entrance, 619 Division St., Port Orchard, WA, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real property situated in the County of Kitsap, State of Washington, to-wit: Lot 21 & Portions of Lots 20 and 22, Indian Bay (as more fully described on the attached Exhibit A)   which is subject to that certain Deed of Trust described as follows: Dated: October 12, 2023 Recorded: October 13, 2023 Recording No.: Recording No. 202310130075 Records of: Kitsap County, Washington Trustee: WASHINGTON SERVICES INC. Successor Trustee: NANCY K. CARY Beneficiary: WAFD BANK FKA WASHINGTON FEDERAL BANK   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. III. The defaults for which this foreclosure is made are as follows: Failure to pay when due the following amounts which are now in arrears: Monthly payments in the amount of $8,148.77 each, due the first of each month, for the months of June 2025 through August 2025; plus monthly payments at the new payment amount of $8,713.32 each, due the first of each month, for the months of September 2025 through January 2026; plus late charges in the amount of $358.21 each, assessed the sixteenth of each month, for the months of June 2025 through January 2026; plus advances; plus any unpaid real property taxes, plus interest. IV. The sum owing on the obligation secured by the Deed of Trust is: Principal balance of $986,573.82, together with interest as provided in the note or other instrument secured from May 1, 2025, 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 June 26, 2026. The Default(s) referred to in paragraph III must be cured by June 15, 2026, to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before June 15, 2026, the defaults as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after June 15, 2026, 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 addresses: Catherine J. Arlen 20635 Chief Sealth Drive NE Indianola WA 98342 by both first class and certified mail on November 26, 2025, proof of which is in the possession of the Trustee; and Borrower and Grantor were personally served on November 28, 2025, 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 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 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 until 90 calendar days BEFORE the date of sale listed in this Notice of Trustee Sale to be referred to mediation. If this is an amended Notice of Trustee Sale providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in this amended Notice of Trustee Sale. 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, Telephone: 1-877-894-4663, Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development, Telephone: 1-800-569-4287, Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListActon=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys, Telephone: 1-800-606-4819, Web site: http://nwjustice.org/what-clear   DATED: January 27, 2026 /s/ Nancy K. Cary ADDRESS FOR SERVICE OF PROCESS:  NANCY K. CARY, Successor Trustee  Law Offices  1223 Commercial Street  Bellingham WA 98225  Telephone: (360) 715-1218     NANCY K. CARY, Successor Trustee Hershner Hunter, LLP PO Box 1475 Eugene OR 97440 Telephone: (541) 686-0345 TS #15148.31202 Any questions regarding this matter should be directed to Lisa M. Summers, Paralegal, at (541) 686-0344. FAIR DEBT COLLECTION PRACTICES ACT NOTICE This communication is from a debt collector.     EXHIBIT A For APN/Parcel ID(s): 4359-000-021-0103 Lot 21 and the Southeast half of Lot 20, Indian Bay, according to the plat recorded in Volume 13 of Plats, Pages 37, 38 and 39, records of Kitsap County, Washington; Together with that portion of Lot 22, Indian Bay, according to the plat recorded in Volume 13 of Plats, Pages 37, 38 and 39, records of Kitsap County, Washington, lying Northwesterly of the following described line: Beginning at a point on the Northeasterly line of Lot 22 which is 36 feet Northwesterly of the most Easterly corner of said Lot 22; thence Southwesterly in a straight line to a point on the Southwesterly line of said Lot 22, which is 32.86 feet Northwesterly of the most Southerly corner of said Lot 22 and the terminal point of said line; Also together with that portion of vacated street as vacated in Volume 15 of Commissioner's Journal, Page 133, which attaches by operation of law; Said land being also known and described as New Parcel B of Boundary Line Adjustment recorded under Auditor's File No. 3176055. May 27, June 17, 12356993