Notice of Trustee's Sale Idaho Code 45-1506

1002.27230 (TS# 7023.29495) Notice of Trustee's Sale Idaho Code 45-1506 Today's date: November 12, 2004 Sale date and time (local time): March 16, 2005 at 10:00 AM Sale location: in the office of First American Title Company, 419 North 2nd Avenue, Sandpoint, ID 83864 Property address: 1057 Gun Club Road Sagle, ID 83860 Successor Trustee: Northwest Trustee Services, Inc., an Idaho Corporation P.O. Box 997 Bellevue, WA 98009-0997 (425) 586-1900 Deed of Trust information Original grantor: Steven K. Roberts, an unmarried man Original trustee: First American Title Company Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Umpqua Bank, its successors and/or assigns Recording date: December 15, 2003 Recorder's instrument number: 640603 County: Bonner Sum owing on the obligation: as of November 12, 2004: $181,922.77 Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check. For further information write or call the Successor Trustee at the address or telephone number provided above. Basis of default: failure to make payments when due. Please take notice that the Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be correct. The property's legal description is: A Tract of land located in Section 16, Township 56 North, Range 2 West, Boise Meridian, Bonner County, Idaho, more fully described as follows: Beginning at a point on the South right-of-way line of the Gun Club Road that is South 88 degrees 33'29" West a distance of 1002.69 feet and South 0 degrees 01'28" West a distance of 19.89 feet from the North quarter corner of said Section 16; Thence South 0 degrees 01'28" West a distance of 760.00 feet; Thence North 88 degrees 33'29" East a distance of 350.00 feet; Thence South 0 degrees 27'44" West a distance of 554.55 feet; Thence South 88 degrees 26'22" West a distance of 655.80 feet; Thence North 0 degrees 01'28" East a distance of 1315.78 feet to the South right-of-way line of said Gun Club Road; Thence North 88 degrees 33'29" East along said South right-of-way line of Gun Club Road a distance of 310.07 feet to the Point of Beginning. The sale is subject to conditions, rules and procedures as described at the sale and which can be reviewed at www.northwesttrustee.com. The sale is made without representation, warranty or covenant of any kind.

Legal 5645

November 26, December 3, 10, 17, 2004