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NOTICE OF TRUSTEE'S SALE

| April 14, 2005 9:00 PM

NOTICE IS HEREBY GIVEN that on July 11, 2005, 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 14 Panju Vista, Clark Fork, Idaho, according to the plat thereof, recorded in Book 3 of Plats, Page 147, records of Bonner County, Idaho.

The Trustee has no knowledge of a more particular description of the above-described real property, but 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 MARCI HARDING, an unmarried woman, as Grantor to First American Title Co., as Trustee, and said Trustee having resigned and the Beneficiary having appointed Catherine L. Dullea, Attorney at Law, as Successor Trustee, for the benefit and security of BRIAN A.K. REYNOLDS, a married man as his sole and separate property, as Beneficiary, said Deed of Trust having been recorded on June 2, 2003, as Instrument No. 625918, official records of Bonner County, Idaho.

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

The Grantor is in default, and the Beneficiary elects to foreclose the Deed of Trust for failure to make the full monthly payment for September, 2004, for which the sum of $91.29 remains outstanding; failure to pay monthly payments in the sum of $126.44, each, for the months of October, November and December, 2004, January, February and March, 2005; failure to pay late fees of $12.64, each, for September, October, November and December, 2004, January, and February, 2005; failure to pay the default fee of $100.00; and failure to pay the 2003 and the first half of the 2004 real property taxes.

The balance owing as of the date hereof on the obligation secured by said Deed of Trust is the amount of $10,000.00, plus accrued interest at the rate of 15.0% per annum from August 15, 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 8th day of March, 2005.

CATHERINE L. DULLEA, CHTD.

Attorney at Law

101 N. Fourth Avenue, Suite 204

Sandpoint, Idaho 83864

PHONE: (208) 265-2276

FAX: (208) 265-1556

Legal 5950

March 25 April 1, 8, 15 2005