Hacker & Willig, Inc., P.S. 1215 Fourth Avenue, Suite 910 Seattle, Washington 98161 Grantor(s): Ryn Choi Whanael Kim 213 180th PL SW Bothell, WA 98012 Luv Market, LLC 13475 NE Village Square Drive, Unit 1030 Woodinville, WA 98072 Borrower: Luv Market, LLC c/o Ryn Choi, Registered Agent 213 180th PL SW Bothell, WA 98012 Current Beneficiary: Banner Bank Current Trustee: Hacker & Willig, Inc., P.S. Current Loan Mortgage Servicer: Banner Bank Deed of Trust Rec. No.: 202403150307 Abbr. Legal Description: LT 21, COYOTE TRAILS, SNOHOMISH COUNTY, WA Assessor’s Tax Parcel ID: 011943-000-021-00 Address: 213 180th PL SW Bothell, WA 98012 NOTICE OF TRUSTEE’S SALE OF COMMERCIAL LOAN THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE OF YOUR HOME. You have only 20 DAYS from the recording date of this notice to pursue mediation. 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 foreclosures hotline for assistance and referral to housing counselors recommended by Housing Finance Commission, Telephone: 1-877-894-4663 Website: www.homeownership.wa.gov. The United States Department of Housing and Urban Development, Telephone: (202) 708-1112, Website: http://portal.hud.gov/hudportal/HUD. The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys, Telephone: 1-800-606-4819, Website: http://www.ocla.wa.gov/. I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Hacker & Willig, Inc., P.S., will on June 26, 2026 at 10:00 AM at the following location: Outside The North Plaza Entrance to the Snohomish County Courthouse, 3000 Rockefeller Ave, Everett, State of Washington, 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 Snohomish, State of Washington, to wit: LOT 21, COYOTE TRAILS, ACCORDING TO THE PLAT RECORDED UNDER AUDITOR’S FILE NO. 202001025002, RECORDS OF SNOHOMISH COUNTY, WASHINGTON. SITUATE IN THE COUNTY OF SNOHOMISH, STATE OF WASHINGTON. The address of said property is commonly known as 213 180th Place Southwest, Bothell, WA 98012. Assessor’s Tax Parcel ID: 011943-000-021-00 The afore-described real property is subject to that certain Deed of Trust, dated March 8, 2024, recorded on March 15, 2024, under Instrument No. 202403150307, records of Snohomish County, Washington, (the “Deed of Trust”), from Whanael Kim and Ryn Choi, husband and wife, as Grantors, to Banner Bank, as Beneficiary (“Grantee”), to secure an obligation memorialized by a promissory note granted by Luv Market, LLC, a Washington limited liability company, to Banner Bank, as lender. 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 make payment of interest/principal when due pursuant to the terms of the Promissory Note (“Promissory Note”) secured by the Deed of Trust. The following amounts are past due and in arrears: Monthly payment (Aug. 2025-Mar 2026): $87,283.16 Late Charges as of 2/18/26: $3,708.43 Fees and costs as of 1/31/26: $4,656.05 Total Payoff Amount: $95,647.64 Other potential defaults pursuant to the terms of the Promissory Note (“Note”) secured by the Deed of Trust may exist which do not involve payment to the Beneficiary. If applicable, each of these defaults must be cured. Listed below are categories of common defaults which do not involve payment of money to the Beneficiary. Opposite each listed default is a brief description of the action and/or documentation necessary to cure the potential default. This list does not exhaust all possible other defaults; any defaults identified by the Beneficiary or Trustee that are not listed below must also be cured. OTHER DEFAULT CURE Nonpayment of Taxes/Assessments Written proof to the Trustee that all taxes and assessments against the property are paid current; Default under any senior lien Written proof to the Trustee that all senior liens are paid current and that no other defaults exist; Waste Cease and desist from committing waste, repair all damage to property and maintain property as required in Deed of Trust; Unauthorized sale of property (Due on Sale) Revert title to permitted vestee. Costs and Fees In addition to the amounts in arrears specified above, you are or may be obligated to pay the following estimated charges, costs and fees to cure the arrearages owed under the Deed of Trust: Trustee’s or Attorneys’ Fees $ 5,000.00 Title Report $ 2,263.94 Recording Fees $ 670.00 Posting/Service of Notice of Default $215.00 Posting/Service of Notice of Sale $215.00 Photocopies $ 50.00 Mailing/FedEx $ 250.00 Total $ 8,663.94 ESTIMATED TOTAL CHARGES, COSTS AND FEES $8,663.94 ESTIMATED TOTAL BREACH AMOUNTS $95,647.64 ESTIMATED TOTAL CURE AMOUNT $104,311.58 The estimated amounts that will be due to cure the default in the loan as of June 15, 2026 (11 days before the sale date): Additional Monthly Payments (for April, May and June 2026): $39,343.35 Additional Costs and Fees Est. Additional Trustee’s or Attorneys’ Fees $3,000.00 Estimated Publication Costs $ 2,000.00 Subtotal: $ 5,000.00 Total Estimated Balance Due to cure as of June 15, 2026: $148,654.93 IV. The sum owing on the obligations secured by the Deed of Trust is: Principal balance of $953,034.54 together with such interest as provided in the Notes or other instruments evidencing the obligations from the date of default and such other costs and fees as are due under the obligations and as are provided by statute. Of course, as time passes other payments may become due, and any further payments coming due and any additional late charges must be added to the cure payment. Any new defaults not involving payment of money that occur after the date of this notice must also be cured. In addition, because some of the charges can only be estimated at this time and because the amount necessary to cure may include presently unknown expenditures required to preserve the property, or to comply with state or local laws, it is necessary for you to contact the Trustee before the time you tender payment so that you may be advised of the exact amount you will be required to pay. Tender of payment or performance must be in the full amount by certified funds or cash equivalent to the Trustee whose address is: Hacker & Willig, Inc., P.S. 1215 Fourth Avenue, Suite 910 Seattle, Washington, 98161 Telephone: (206) 340-1935 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 defaults referred to in Paragraph III must be cured by June 15, 2026, before the time of the sale, to cause a discontinuance of the sale. The sale may be terminated any time after June 15, 2026 and up to June 26, 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 Trustee to the Borrower and Grantor, Guarantors and any successor at the following addresses: Luv Market, LLC 13475 NE Village Square Drive, Unit 1030 Woodinville, WA 98072 Ryn Choi 213 180th PL SW Bothell, WA 98012 Luv Market, LLC c/o Ryn Choi, Registered Agent 213 180th PL SW Bothell, WA 98012 Whanael Kim 213 180th PL SW Bothell, WA 98012 by both first class and certified mail on January 9, 2026, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served with said written Notice of Default and/or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property. IX. Anyone having an objection to the sale on any grounds whatsoever is afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to the Revised Code of Washington, Chapter 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s Sale. Service of process of any lawsuit or legal action may be made on Hacker & Willig, Inc. P.S., whose address is 1215 Fourth Avenue, Suite 910, Seattle, WA 98161. 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. XI. Notice to Guarantor(s): The Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the trustee’s sale is less than the debt secured by the Deed of Trust. In any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the Trustee’s sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the Trustee’s sale, plus interest and costs. The Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the Grantor in order to avoid the Trustee’s sale. The Guarantor will have no right to redeem the property after the Trustee’s sale. Any action to enforce a guaranty must be commenced within one year after the Trustee’s sale, or the last Trustee’s sale under any deed of trust granted to secure the same debt (subject to such longer periods as are provided in RCW 61.24). DATED this _23rd_ day of March, 2026. Hacker & Willig, Inc., P.S., Trustee By: Elizabeth H. Shea For further information, please call Ashley Taylor at (206) 971-0436 or email ashley@hackerwillig.com. STATE OF WASHINGTON ) ) ss COUNTY OF KING ) I certify that I know or have satisfactory evidence that Elizabeth H. Shea is the person who appeared before me, and said person acknowledged that she signed this instrument and on oath stated that she was authorized to execute the instrument and acknowledged it as Trustee to be the free and voluntary act of such party for the uses and purposes mentioned in the instrument. DATED: __3/23/26_____ Ashley D Taylor Notary Public in and for the State of Washington My Commission/Appointment expires: 10/21/29. Published: May 22; June 12, 2026. EDH1031185

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