NOTICE OF SALES

| April 25, 2005 9:00 PM

NOTICE IS HEREBY GIVEN that on August 17, 2005, at 10:00 a.m., at the office of the Attorney for the Board of Managers Of the PEND OREILLE SHORES RESORT ASSOCIATION, INC. at 120 East Lake Street, Suite 317, Sandpoint, Idaho 83864, JOHN A. FINNEY, Attorney at Law, FINNEY FINNEY & FINNEY, P.A., will sell at public auction in lawful money of the United States of America, all payable at the time of sale, the following parcels of certain real property situated in Bonner County, Idaho, described as follows:

An undivided one-fifty-first (1/51) interest as tenant in common to Unit no. (see below), located in building (see below), PEND OREILLE SHORES RESORT, as shown on the plat recorded as Instrument No. 267830, and any amendments thereto, records of Bonner County, Idaho, together with appurtenances, easements, restrictions of record and an undivided ownership with the Association, it's successors and assigns and holders of other undivided ownership interests in and to the common area and facilities of PEND OREILLE SHORES RESORT as provided in the Declaration of Condominium of PEND OREILLE SHORES RESORT, as amended, and the Bylaws of the PEND OREILLE SHORES RESORT ASSOCIATION, INC., as Bonner County, Idaho, and any amendments thereto, together with an exclusive recurring annual right to occupy said unit and a non-exclusive right to use and enjoy said common areas and facilities and easements appurtenant thereto during the annual recurring time period for Week No. (see below) as set forth above in said Declaration of Condominium and Bylaws, which document(s) is incorporated herein by reference and made a part hereof, it being understood and agreed that all other weeks of each year are assigned to owners of other undivided interests in the above unit to the Association.

The street address for the PEND OREILLE SHORES RESORT at which parcel is located is 47390 Highway 200, Hope, Idaho 83836, and additional information may be obtained from JOHN A. FINNEY, Attorney at law, FINNEY FINNEY & FINNEY, P.A., at 208-263-7712.

Said sales will be made without covenant or warranty regarding title, possession, or encumbrances, to satisfy the obligations secured by and pursuant to the Declaration Of Condominium for Pend Oreille Shores Resort, as amended and restated, recorded May 23, 2000, as Instrument No. 564097, records of Bonner County, Idaho, the Bylaws of the Pend Oreille Shores Resort Association, Inc., as restated, recorded May 23, 2000, as Instrument No. 564098, records of Bonner County, Idaho, which were agreed to by the owners or reputed owners, and Idaho Code S 55-1518, and Idaho Code SS 45-1505 and 45-1506.

The named owners or reputed owners are named to comply with Idaho Code Section 45-1506(4)(a). No representation is made that the named owners or reputed owners are, or are not, presently responsible for this obligation.

The default and delinquency is the failure to pay annual assessments duly assessed and levied as follows:

1. The owner(s) or reputed owner(s) are MICHAEL C. and KEENA M. TROWBRIDGE, regarding Unit No. 32, located in Building E, for Week No. 49 with delinquent assessments for the calendar years 2003 and 2004 in the amount of FIVE HUNDRED SIXTY SIX DOLLARS AND 50/100 ($566.00), plus accruing interest;

2. The owner(s) or reputed owner(s) are RALPH W. CHAMBERLAIN, regarding Unit No. 33, located in Building No. F, for Week No 40 with delinquent assessments for the calendar years of 2003 and 2004 in the amount of SIX HUNDRED SEVENTY FIVE DOLLARS AND 00/100 ($675.00), plus accruing interest;

3. The owner(s) or reputed owner(s) are STEVE and SUZANNE HUTCHISON, regarding Unit No. 16, located in Building No. C, for Week No 50 with delinquent assessments for the calendar years of 2003 and 2004 in the amount of SIX HUNDRED SEVENTY FIVE DOLLARS AND 00/100 ($675.00), plus accruing interest;

4. The owner(s) or reputed owner(s) are H. RICHARD DAHL, regarding Unit No. 22, located in Building No. D, for Week No. 16 with delinquent assessments for the calendar years of 2004 and 2005 in the amount of FOUR HUNDRED FOUR DOLLARS AND 00/100 ($404.00), plus accruing interest.

PLUS on each parcel, all assessments and interest becoming due thereafter, plus any delinquent taxes with penalties and interest, and unpaid and accruing taxes and assessments, plus costs of collection incurred to date, plus interest, plus any other costs and expenses associated with the collection of the sums owing and/or this sale, and any amounts advanced to protect the real property associated with this sale.

The Board of Managers elects to sell or cause to be sold such property to satisfy such obligations, to the extent possible, pursuant to law.

DATED this 11th day of April, 2005.

PEND OREILLE SHORES RESORT ASSOCIATION, INC.

BY: John A. Finney

Attorney for the Association

Legal 6013

April 19, 26 May 3, 10 2005

Notice of Trustee's Sale T.S. No. 200500313 - 23826 Loan No. 0627687603 On 07/12/2005 at 11:00 am (recognized local time), at the following location in the County of Bonner, State of Idaho: At the front entrance of First American Title Co., 419 N. 2nd, Sandpoint, ID 83864, First American Title Insurance Company, as Trustee will sell at public auction, to the highest bidder, for cash, in lawful money of the United States, all payable at the time of sale, the following real property, situated in the County of Bonner, State of Idaho, and described as follows: Exhibit A The Southwest quarter of the Southeast quarter in Section 26, Township 56 North, Range 2 West of the Boise Meridian, Bonner County, Idaho, lying South of the presently existing County Road. EXCEPT the East 60 feet thereof. 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 the address of 3270 E. Dufort Road, Sagle, Idaho 83860 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 Buy E. Bellant, an unmarried person, as grantors, to North Idaho Title, as Trustee, for the benefit and security of ABN AMRO Mortgage Group, Inc., as Beneficiary, dated 10/23/2002, and recorded on 10/28/2002, as Instrument No. 611402, of Official Records of Bonner County, Idaho. Please Note: 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 set forth herein. The Default for which this sale is to be made is the failure to pay when due, under Deed of Trust and Note dated 10/23/2002. The monthly installments for principal, interest and impounds (if applicable) of 892.76, due per month for the months of 5/1/2004 through 3/1/2005, and all subsequent installments until the date of sale or reinstatement. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $108,315.60, plus accrued interest at the rate of 6.375% per annum from 04/01/2004. 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. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. Date: 3/2/05 First American Title Insurance Company Melmet Default Services fka The Law Offices of Steven J. Melmet, 1820 E. First Street, Santa Ana, CA 92705 Sale Information Line: 916.387.7728, Reinstatement and Pay-Off Requests: 949.622.3388. THIS IS AN ATTEMPT TO COLLECT A DEBT AND INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. By: Marisa Herrera, Assist. Sec. ASAP637649 4/5, 4/12, 4/19, 4/26

Legal 5960

April 5, 12, 19, 26 2005