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<DIV dir=ltr>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV>I agree that there was a debt owing when the parents died, however, that
was over 2 years ago (in fact closer to a decade ago) and so I am thinking that
the time for pursuing any such debt has expired, even though no notice to
creditors was published (in fact no probate was ever needed).</DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
<DIV style="FONT: 10pt tahoma">
<DIV> </DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A
title=Kathryn.McKinley@painehamblen.com
href="mailto:Kathryn.McKinley@painehamblen.com">Kathryn R. McKinley</A> </DIV>
<DIV><B>Sent:</B> Friday, November 14, 2014 2:29 PM</DIV>
<DIV><B>To:</B> <A title=wsbarp@lists.wsbarppt.com
href="mailto:wsbarp@lists.wsbarppt.com">WSBA Real Property Listserv</A> </DIV>
<DIV><B>Subject:</B> Re: [WSBARP] defending and judicial foreclosure, no debt
owing by defendants</DIV></DIV></DIV>
<DIV> </DIV></DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
<DIV class=WordSection1>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Technically,
I think the underlying debt is still owing, now by the "estate" of the parents,
as opposed to the parents themselves. If there were no assets, then that may be
a moot point. If there were other assets which simply "passed" to the son,
there could be an issue.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 14pt; FONT-FAMILY: "Monotype Corsiva"; COLOR: #1f497d'>Kathryn
R. McKinley<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 9pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'>Of
Counsel<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'><IMG
id=Picture_x0020_1 alt=PHEmailLogo
src="cid:763952E0E5CD4E58A833FD6CD65B712B@JoshPC" width=171
height=23></SPAN><SPAN style="COLOR: #1f497d"><BR></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'>717
W. Sprague Ave. Suite 1200<BR>Spokane, WA 99201<BR>(509) 455-6000</SPAN><SPAN
style='FONT-SIZE: 14pt; FONT-FAMILY: "Monotype Corsiva"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><U><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><A
href="mailto:kathryn.mckinley@painehamblen.com"><SPAN
style="COLOR: blue">kathryn.mckinley@painehamblen.com</SPAN></A></SPAN></U><SPAN
style='FONT-SIZE: 14pt; FONT-FAMILY: "Monotype Corsiva"; COLOR: #1f497d'><BR></SPAN><B><I><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'>This
message is private or privileged. If you are not the person for whom this
message is intended, please delete it and notify me immediately, and please do
not copy or send this message to anyone else.</SPAN></I></B><B><I><SPAN
style="COLOR: #1f497d"> <o:p></o:p></SPAN></I></B></P></DIV>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<DIV>
<DIV
style="BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0in; PADDING-TOP: 3pt; PADDING-LEFT: 0in; BORDER-LEFT: medium none; PADDING-RIGHT: 0in">
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'>From:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'>
wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com]
<B>On Behalf Of </B>Josh Grant<BR><B>Sent:</B> Friday, November 14, 2014 2:14
PM<BR><B>To:</B> WSBA Real Property Listserv<BR><B>Subject:</B> Re: [WSBARP]
defending and judicial foreclosure, no debt owing by
defendants<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><o:p></o:p> </P>
<DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Thank you Eric and
John<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>No, I didn’t get
any responses... very helpful.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I had not thought
about “if the contract calls for attorney fees then they pay the non-party’s.”
and John cites the statute 4.84.340 that so holds. <IMG id=_x0000_i1025
border=0 alt=Smile src="cid:5E19C26D90D146C0B9FC96960E549479@JoshPC" width=19
height=19><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>My main concern was a
dim recollection that there is authority that a secured party can foreclose a
lien even if the underlying debt is not owing. And I have heard that if
there is no debt, there is no such possibility.
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I am trying to keep my
fees down for the client, particularly here, where all they have to do is make
the claim on their title insurance. So I haven’t taken the time to
research that.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Thanks!<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Josh<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Joshua F. Grant,
PS<BR>Attorney at Law<BR>P. O. Box 619<BR>Wilbur, WA 99185<BR>tel 509 647
5578<BR>fax 509 647 2734<o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P class=MsoNormal style="BACKGROUND: whitesmoke"><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'>From:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'> <A
title=Eric@sayrelawoffices.com href="mailto:Eric@sayrelawoffices.com">Eric
Nelsen</A> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal style="BACKGROUND: whitesmoke"><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'>Sent:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'>
Friday, November 14, 2014 1:14 PM<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal style="BACKGROUND: whitesmoke"><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'>To:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'> <A
title=wsbarp@lists.wsbarppt.com href="mailto:wsbarp@lists.wsbarppt.com">WSBA
Real Property Listserv</A> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal style="BACKGROUND: whitesmoke"><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'>Subject:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'> Re:
[WSBARP] defending and judicial foreclosure, no debt owing by
defendants<o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Josh,
did you get any responses to this? If it's true that the borrower/parents had
only a life estate in the property at time of the loan, and lender's security
interest therefore vanished when they died, then I think you can set up a CR 11
claim. There's case law somewhere...the CR 11 obligation is ongoing, and if the
suit was filed erroneously and plaintiff is given clear information that it the
suit is not proper, then their failure to dismiss immediately is a violation of
CR 11--by persisting in a claim that is clearly not well-grounded in
fact.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>I
also think that SJ is appropriate on both issues--no personal liability of
defendants, no valid lien on the real property. No relevant facts seem to be in
dispute. But I'd sure also ask for CR 11 sanctions or find another hook for
attorney fees as well. Maybe the case law that says, if a plaintiff sues on a
contract that allows for attorney fees and defendant turns out to not be a party
to the contract (or defense is based on rescission or something else that
renders the contract terms moot), the defendant can still ask for attorney fees
based on that contract? At least I remember some case law that says something
like that.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Sincerely,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Eric<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Eric C.
Nelsen<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>SAYRE LAW OFFICES,
PLLC<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>1320 University
St<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Seattle WA
98101-2837<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>phone
206-625-0092<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>fax
206-625-9040<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: black"> </SPAN><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN></P>
<DIV>
<DIV
style="BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0in; PADDING-TOP: 3pt; PADDING-LEFT: 0in; BORDER-LEFT: medium none; PADDING-RIGHT: 0in">
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'>From:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"; COLOR: black'> <A
href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</A>
[<A
href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</A>]
<B>On Behalf Of </B>Josh Grant<BR><B>Sent:</B> Wednesday, November 12, 2014 3:29
PM<BR><B>To:</B> wsbar<BR><B>Subject:</B> [WSBARP] defending and judicial
foreclosure, no debt owing by defendants<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><SPAN style="COLOR: black"> <o:p></o:p></SPAN></P>
<DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>My client and his
parents have been sued with a judicial foreclosure complaint of a 1998
loan. Plaintiff is a US Bank NA “as trustee under the pooling and
servicing agreement...”<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>The parents have been
dead for well over 2 years. My client didn’t sign on the loan. The
parents signed the loan, but they didn’t own the property when the loan was
made.. as they had previously given the house to my client. they
reserved a life estate in the gift deed which was recorded before 1998.
Obviously the life estate is now over. I assume that the lien on the life
estate is also over. There was a lender’s policy issued to the Plaintiff
for $76,500. I have been trying to get them to claim proceeds from that
lender’s policy for years, all I got for my efforts was this judicial
foreclosure of my client’s land. They now claim the $63,041 principal
owing plus interest of $18,253.46 interest so they are claiming a little more
than the title insurance would pay them (about $8000). However, had they claimed
the insurance proceeds a couple of years ago, when I told them about it, the
title insurance proceeds would have covered all pr and
interest.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Plaintiff’s attorney
(appears to be a collection law firm??) has ignored my
correspondence.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I have confirmed that
the lender’s policy is in effect, the title company admits they goofed, and they
seem ready to pay. They denied my claim to defend the foreclosure
(correctly) saying that I didn’t represent the insured basically saying
“the lender may have a claim but you don’t”.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>So my question is what
can I threaten to do , if the collection attorney continues to ignore common
sense? I am going to send another letter that says “go grab the insurance money
and drop this suit”.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Can I threaten Summary
Judgment because no one they sued owes any money? and the real estate lien is
invalid because there is no valid underlying debt?<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>CR 11 attorney fees,
if they resist the summary judgment (Given all the info I have given one
collection bureau after another through the years, maybe CR 11 will apply to the
filing of the judicial foreclosure complaint itself even if they don’t
resist??<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I think this really
boils down to whether they can foreclose a lien where there is no underlying
debt when they filed their complaint? and if so, don’t they have to offset
the insurance proceeds which they can claim if they would do
so?<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>If they can foreclose
their old lien, then they could get my client’s house back, and then go claim
the title insurance proceeds as well?<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>They have asked for
quiet title against everyone claiming under the decedents.
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Maybe the answer and
the summary judgment we file will say, “no quiet title to my client” and award
CR 11 sanctions for not simply filing for the title insurance, and again,
because there is no valid underlying loan.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>No estate was ever
filed. My client could file their will and deny any creditors claim as not
owing. But I don’t think that will quiet title to the
house.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>sorry this is so
long.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Joshua F. Grant,
PS<BR>Attorney at Law<BR>P. O. Box 619<BR>Wilbur, WA 99185<BR>tel 509 647
5578<BR>fax 509 647 2734<o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV class=MsoNormal style="TEXT-ALIGN: center" align=center><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>
<HR align=center SIZE=2 width="100%">
</SPAN></DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>_______________________________________________<BR>WSBARP
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