NOTICE OF TRUSTEE'S SALE

On the 14th day of July, 2004, at the hour of 10:00 A.M., of said day, (recognized local time), in the Office of First American Title Company, 419 Second Ave., Sandpoint, in the County of Bonner, State of Idaho.

First American Title Company of Idaho, Inc., an Idaho Corporation, as successor trustee, will sell at public auction, to the highest bidder, for certified funds, or the equivalent, which is lawful money of the United States of America, all payable at the time of sale in compliance with Section 45-1506(9) Idaho Code, the following described real property, situated in the County of Bonner, State of Idaho, and described as follows, to-wit:

Lot 2 of BEAR BUTTE SUBDIVISION, according to the plat thereof, recorded in Book 4 of Plats, Page 152, records of Bonner County, Idaho; TOGETHER WITH beneficial easement rights granted under Instrument Nos. 322664 and 400053.

This Trustee's Sale is subject to any bankruptcy filing, payoff. reinstatement, or any other conditions of which the Trustee is not aware of, and that would cause the cancellation of this sale. Further, if any of these conditions exist, this sale may be null and void. The successful bidder's funds shall be returned, and the Trustee and/or the Beneficiary shall not be held liable to any successful purchaser(s) or bidders, at the Trustee's Sale, for any damages.

The Trustee has no knowledge of a more particular description of the above referenced real property, but for purposes of compliance with Section 60-113 Idaho Code, the Trustee has been informed that according to the County Assessors office. the address of 1833 North Center Valley Road, Sandpoint, Idaho, is sometimes associated with said real property.

Said sale will he made without covenant or warranty regarding title, possession or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in the deed of trust executed by DAVID J CHORZEMPA, as his separate property, as grantor, to FIRST AMERICAN TITLE COMPANY OF IDAHO, INC., an Idaho Corporation, as successor trustee, for the benefit and security of WELLS FARGO HOME MORTGAGE, INC., as beneficiary, recorded September 6, 2001, as Instrument No. 587458, Mortgage Records of Bonner County, Idaho.

THE ABOVE GRANTORS ARE NAMED TO COMPLY WITH SECTION 45-1506 (4)(A), IDAHO CODE. NO REPRESENTATION IS MADE THAT THEY ARE, OR ARE NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION.

The default for which this sale is to be made is the failure to pay when due, under Deed of Trust Note, the monthly payments for Principal, Interest and Impounds of $678.68, due per month for the months of October through December, 2003 and January. 2004 and all subsequent payments until the date of sale or reinstatement, with a monthly late charge accruing at $28.65, with interest accruing at 7.25% per annum, and continuing to accrue from September 1, 2003. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $82,313.00, plus accruing interest, costs and advances. All delinquent amounts are now due, together with accruing late charges and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, and any amounts advanced to protect the security associated with this foreclosure and that the beneficiary elects to sell or cause the trust property to he sold to satisfy said obligation.

Date: March 2, 2004

FIRST AMERICAN TITLE

COMPANY OF IDAHO, INC.

By Monine Cole, Trust Officer

FA-17351/7023.28116

Legal 5070

March 24, 31, April 7, 14, 2004

NOTICE OF TRUSTEE'S SALE

On the 21st day of July, 2004, at the hour of 10:00 A.M., of said day, (recognized local time), in the Office of First American Title Company, 419 Second Ave., Sandpoint, in the County of Bonner, State of Idaho.

First American Title Company of Idaho, Inc., an Idaho Corporation, as successor trustee, will sell at public auction, to the highest bidder, for certified funds, or the equivalent. which is lawful money of the United States of America, all payable at the time of sale in compliance with Section 45-1506(9) Idaho Code, the following described real property. situated in the County of Bonner, State of Idaho, and described as follows, to-wit:

That portion of the North Half of the North Half of the South Half of Section 1, Township 58 North, Range 1 West, Boise Meridian, Bonner County, Idaho, described as follows:

Beginning at the point of intersection of the West line of the County Road with the North line of the South Half of said section, said point being 275 feet, more or less, East of the center of said Section;

Thence West along said North line 1005 feet;

Thence South, at right angles to said North line, 660 feet more or less, to the South line of the North Half of the North Half of the South Half of said Section 1;

Thence East along said South lin 1235 feet, more or less, to the West line of said County Road;

Thence Northerly along said West line to the point of beginning.

This Trustee's Sale is subject to any bankruptcy filing, payoff, reinstatement, or any other conditions of which the Trustee is not aware of, and that would cause the cancellation of this sale. Further, if any of these conditions exist, this sale may be null and void. The successful bidder's funds shall be returned, and the Trustee and/or the Beneficiary shall not be held liable to any successful purchaser(s) or bidders, at the Trustee's Sale, for any damages.

The Trustee has no knowledge of a more particular description of the above referenced real property, but for purposes of compliance with Section 60-113 Idaho Code, the Trustee has been informed that according to the County Assessors office, the address of 400 Gold Creek Cutoff, Sandpoint, Idaho, is sometimes associated with said real property.

Said sale will be made without covenant or warranty regarding title, possession or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in the deed of trust executed by KIM BENEFIELD AND HELEN BENEFIELD, husband and wife, as grantors, to FIRST AMERICAN TITLE COMPANY OF IDAHO, INC., an Idaho Corporation. as successor trustee, for the benefit and security of TMS Mortgage, Inc. dba The Money Store, as beneficiary, recorded April 26, 1999, as Instrument No. 543785, and assigned to CITIBANK, N.A., as Trustee, as beneficiary by assignment recorded March 5, 2004, as Instrument No. 645342, Mortgage Records of Bonner County, Idaho.

THE ABOVE GRANTORS ARE NAMED TO COMPLY WITH SECTION 45-1506 (4)(A), IDAHO CODE. NO REPRESENTATION IS MADE THAT THEY ARE, OR ARE NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION.

The default for which this sale is to be made is the failure to pay when due, under Deed of Trust Note, the monthly payments for Principal and Interest of $1,729.03, due per month for the months of October through December, 2003 and January, 2004 and all subsequent payments until the date of sale or reinstatement, with a monthly late charge accruing at $86.45, uncollected late charges are due in the amount of $691.60, with interest accruing at 12.25% per annum, and continuing to accrue from September 1, 2003. Also due are delinquent and unpaid taxes for 2000, 2001, 2002 and 2003. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $161,956.41, plus accruing interest, costs and advances. All delinquent amounts are now due, together with accruing late charges and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, and any amounts advanced to protect the security associated with this foreclosure and that the beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation.

Date: March 8, 2004

FIRST AMERICAN TITLE COMPANY OF IDAHO, INC.

Monine Cole, Trust Officer

FA-17445/7 104.23873

Trust Dept. 1-208-375-0455

Legal 5086

March 31, April 7, 14, 21, 2004

NOTICE OF