TRUSTEE'S SALE

On August 11, 2004, at the hour of 1:00 o'clock PM of said day, in the lobby of First American Title Company, 419 North Second Avenue, Sandpoint, Idaho, CHARLES C. JUST, ESQ., Attorney at Law, as Successor Trustee, will sell at public auction to the highest bidder, for cash, in lawful money of the United States, all payable at the time of sale, the following described real property, situated in the County of Bonner, State of Idaho, and described as follows to wit:

The North 71.45 feet of Lots 19, 20 and 21 in Block 43 of WEST END ADDITION "E" to Sandpoint, Idaho, according to the plat thereof, recorded in Book 1 of Plats, page 63, records of Bonner County, Idaho.

This Trustee's Sale is subject to a bankruptcy filing, a payoff, a reinstatement or any other conditions of which the Trustee is not aware 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 the Beneficiary shall not be liable to the successful bidder 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 the address of 607 Washington Ave., Sandpoint, ID, is sometimes associated with the said real property.

Said sale will be made without covenant or warranty regarding title, possessions or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in the Deed of Trust executed by Jack Lewis, as Grantor(s) with Cendant Mortgage f/k/a PHH Mortgage Services Corp. as the Beneficiary, under the Deed of Trust recorded December 28, 1998, as Instrument No. 537241, in the 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 the amount due under the certain Promissory Note and Deed of Trust, in the amounts called for thereunder as follows:

Monthly payments in the amount of $606.23 for the months of December 2003 through and including to the date of sale, together with late charges and monthly payments accruing. The sum owing on the obligation secured by said Deed of Trust is $71,806.37 as principal, plus service charges, attorney's fees, costs of this foreclosure, any and all funds expended by Beneficiary to protect their security interest, and interest accruing at the rate of 7.125% from November 1, 2003, together with delinquent taxes plus penalties and interest to the date of sale.

The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation.

Dated this 5th day of April, 2004.

Paula Peterson Trust Officer

for Charles C. Just, Esq.

P.O. Box 50271

Idaho Falls, Idaho 83405

(208) 523-9106

FAX (208) 523-9146

Toll Free 1-800-923-9106

For information concerning this sale please contact

The Just Law Office at www.justlawidaho.com

or Toll Free at

1-800-923-9106, Thank you.

Legal SNP# 5117

April 15, 22, 29, May 6, 2004

SECTION 106 PUBLIC NOTICE