NOTICE OF

TRUSTEE'S SALE

On the 10th day of June, 2004, at the hour of 10:15 A.M., of said day, (recognized local time), in the Office of First American Title Company, 419 Second Ave., Sandpoint, in the County of Bonner, State of Idaho.

First American Title Company of Idaho, Inc., an Idaho Corporation, as successor trustee, will sell at public auction, to the highest bidder, for cash or cashiers check (cash equivalent), in lawful money of the United States, all payable at the time of sale in compliance with Section 45-1506(9) Idaho Code, the following described real property, situated in the County of Bonner, State of Idaho, and described as follows, to-wit:

The North half of the Southwest quarter of the Southeast quarter of Section33, Township 56 North, Range 4 West of the Boise Meridian, Bonner County, Idaho.

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 according to the County Assessors office, the address of Bare Land, Idaho, 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 SHARON O'BRIEN, a single person, as grantor, to FIRST AMERICAN TITLE COMPANY OF IDAHO, INC., an Idaho Corporation, as trustee, for the benefit and security of SECURITY FINANCIAL SERVICES, INC., as beneficiary, recorded March 5, 2003, as Instrument No. 619882, Mortgage 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 when due, under Deed of Trust Note, the monthly payments for Principal, Interest and Impounds of $528.00, due per month for the months of October through December, 2003 and all subsequent payments until the date of sale or reinstatement, with a monthly late charge accruing at $26.40, with interest accruing at 14.5% per annum, and continuing to accrue from September 24, 2003. Also due are delinquent and unpaid taxes for 2003. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $42,801.18, plus accruing interest, costs and advances. All delinquent amounts are now due, together with accruing late charges and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, 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.

Date: February 10, 2004

FIRST AMERICAN TITLE

COMPANY OF IDAHO, INC.

By Monine Cole, Trust Officer

1-208-375-0455

Legal 4984

Feb. 25, March 3, 10, 17, 2004