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T.S. No: 04-11373

| December 29, 2004 8:00 PM

Doc ID #00092028812005N

Title Order No. 4032099

Parcel No. RPS013300D0030A

The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the office of Sandpoint Title Insurance, 120 South Second Avenue, Sandpoint, Idaho, 83864, on 01/31/2005 at 11:30 am, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 10/31/1997 as Instrument Number 513371, and executed by GREGORY E. THURLOW AND IMELDA THURLOW, as Grantor(s), in favor of FIRST UNITED MORTGAGE CORPORATION, as Beneficiary, to Stewart Title of Boise, Inc., the Current Trustee of record, covering the following real property located in Bonner County, state of Idaho:

LOT 3 OF BLOCK "D" OF FARMIN'S FIFTH ADDITION TO SANDPOINT, ACCORDING TO THE PLAT THEREOF, RECORDED IN BOOK 1 OF PLATS, PAGE 56, RECORDS OF BONNER COUNTY, IDAHO.

The Trustee has no knowledge of a more particular description of the above referenced real property, but for purpose of compliance with Idaho Code, Section 60-113, the Trustee has been informed that the street address of, 616 NORTH BOYER AVENUE, SANDPOINT, ID 83864 is sometimes associated with said real property.

Bidders must be prepared to tender the trustee the full amount of the bid at the sale in the form of cash, or a cashier's check drawn on a state or federally insured savings institution. Said sale will be made without covenant or warranty, express or implied, regarding title, possession or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in that certain Deed of Trust.

The default for which this sale is to be made is:

Failure to pay the monthly payment due 07/01/2004 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 12.990% per annum; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said Deed of Trust, and any supplemental modifications thereto. The principal balance owing as of this date on said obligation is $20,176.25, plus interest, costs and expenses actually incurred in enforcing the obligations thereunder and in this sale, together with any unpaid and/or accruing real property taxes, and/or assessments, attorney's fees, Trustees' fees and costs, and any other amount advanced to protect said security, as authorized in the promissory note secured by the aforementioned Deed of Trust.

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

NOTICE IS HEREBY GIVEN THAT THIS FIRM IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, AND THAT THE DEBT MAY BE DISPUTED. 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.

DATED: September 28th, 2004.

Stewart Title of Boise, Inc.

Successor Trustee

By: Bev Peterson,

Sr. Trust Officer

Name & Address of the Current Trustee is:

Stewart Title of Boise, Inc.

9196 West Emerald, Suite 100

Boise, ID 83704

PHONE: (800) 281-8219

for information

Legal 5528

Oct. 6, 13, 20, 27, 2004

NOTICE OF TRUSTEE'S SALE