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TRUSTEE'S SALE

| June 15, 2004 9:00 PM

NOTICE IS HEREBY GIVEN that on September 23, at 11:00 a.m. the office of Catherine L. Dullea, Attorney at Law, as Successor Trustee, 101 N. Fourth Avenue Suite 204, Sandpoint, ID, will sell at public auction to the highest bidder, for cash in lawful money of the United States of America, all payable at the time of sale, the following real property situated in the County of Bonner, State of Idaho, described as follows:

Lot 13 of LACLEDE RIVER LOTS, according to the plat thereof, recorded in Book 2 of Plats, Page 79, records of Bonner County, Idaho;

ALSO that part of Lot 14 lying Southwesterly of the following described line:

BEGINNING at a point in the Northwesterly line of Lot 14 which bears North 57o30' East a distance of 25.00 feet from the Westernmost corner of Lot 14;

Thence Southeasterly across Lot 14 to a point on the Southeasterly boundary of Lot 14 which bears North 55o37' East a distance of 25.00 feet from the Southernmost corner of Lot 14.

The purported physical address is 923 Riley Creek Road, Laclede, Idaho.

For purposes of compliance with Idaho Code S60-113, information may be obtained from Catherine L. Dullea, Attorney at Law, Telephone (208)265-2276.

Said sale will be made, without covenant or warranty regarding title, possession or encumbrances, to satisfy the obligations secured by and pursuant to the power of sale conferred in the Deed of Trust executed by DAVID CHRISTIANSEN and SANDY C. CHRISTIANSEN, husband and wife, as Grantors to Sandpoint Title Insurance, as Trustee, and said Trustee having resigned and the Beneficiaries having appointed Catherine L. Dullea, Attorney at Law, as Successor Trustee, for the benefit and security of DALE KOOHNS and JULIE KOOHNS, husband and wife, as Beneficiaries, said Deed of Trust having been recorded on September 5, 2002, as Instrument No. 608077, official records of Bonner County, Idaho.

THE ABOVE GRANTORS ARE NAMED TO COMPLY WITH S45-1506(4)(a) IDAHO CODE. NO REPRESENTATION IS MADE THAT THEY ARE, OR ARE NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION.

The default for which the sale is to be made is the failure of the Grantors and/or assumptive Grantor(s) to make monthly payments of $2,017.87, each, for the months of February, March, April and May, 2004, failure to pay late fees in the amount of $50.00, each, for the same months, failure to pay NSF fees to the long-term escrow holder in the sum of $40.00, failure to pay default and attorney fees in the amount of $185.00, failure to provide proof of insurance to the Beneficiaries, and failure to pay the real property taxes for 2002, and the first half of 2003.

The balance owing as of the date hereof on the obligation secured by said Deed of Trust is the amount of $273,073.08, plus accrued interest at the rate of 8.0% per annum from January 2, 2004, plus any other costs or expenses associated with this obligation or foreclosure as provided by the Deed of Trust or Deed of Trust Note or by Idaho law.

DATED this 27th day of May, 2004.

CATHERINE L. DULLEA

CHTD.

Attorney at Law

Successor Trustee

101 N. Fourth Avenue, Suite 204

Sandpoint, Idaho 83864

PHONE: (208) 265-2276

FAX: (208) 265-1556

Legal SNP# 5240

June 9, 16, 23, 30, 2004

NOTICE TO CREDITORS