NOTICE OF

TRUSTEE'S SALE

T.S. No.:F-35946-ID-DL

Loan No.: 4520779 On 11/23/2004 at 11:00 AM (recognized local time), at the front entrance to the First American Title Company 419 2nd Sandpoint, ID 83864. In the County of Bonner , State of Idaho, First American Title Insurance Company, as successor Trustee, on behalf of Citifinancial Mortgage Company Inc., 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: EXHIBIT "A" In Section 9, Township 57 North, Range West, Boise Meridian, Bonner County, Idaho, beginning at the Northeast corner of Section 9, thence running South 01°33'19" West 327.55 feet to an existing fence line; thence along said fence line North 01°39'43" West as extended 300 feet to the North line of Section 9; thence North 88°19'59" East along said Section Line 327.55 feet to the place of beginning. 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 the address of: 278 Woodland Drive Sandpoint, ID 83864, 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: Judith Mae Dunahee a single woman , As grantors, To: First American Title Company of Idaho , for the benefit and security of First NLC Financial Services LLC, As Beneficiary, dated 5/2/2000, recorded 5/28/2000, as Instrument No. 200563387. Beneficial interest has been assigned to Citifinancial Mortgage Co. records of Bonner County, Idaho. Please Note: 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 set forth herein. The Default for which this sale is to be made is the failure to pay when due, under Deed of Trust and Note dated 5/2/2000 . The monthly payments for Principal, Interest and Impounds (if applicable) of $1,001.03, due per month from 4/1/2004, and all subsequent payments until the date of sale or reinstatement. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $127,392.67, plus accrued interest at the rate of 8.375% per annum from 3/1/2004. All delinquent amounts are now due, together with accruing late charges, and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fee, 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.

Dated: July 22, 2004

By: First American Title Insurance Company, as successor Trustee By: Quality Loan Service Corp., as agent for successor Trustee 319 Elm Street, 2nd Floor, San Diego, CA 92101-3006 (619) 645-7711 For Sale Information call: 916-387-7728 or logon to:www.calpost.com Dana Linder, Trustee Sale Officer.

Legal 5374

August 10, 17, 24, 31, 2004

NOTICE OF