Notice of Trustee's Sale

T.S. No. 200402927-Z-22004 Loan No. 2928912 On 01/28/2005 at 11:00 am (recognized local time), at the following location in the County of Bonner, State of Idaho: First American Title Co. 419 N. 2nd, Sandpoint, ID 83864, First American Title Insurance Company, as Trustee on behalf of Law Offices of Steven J. Melmet, Inc. 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 PARCEL I: A tract of land in Section 10, Township 56 North, Range 1 West, Boise Meridian, Bonner County, Idaho, more specifically described as follows: From the West Quarter corner of said Section 10, South 00o 27'26" West, 1297.73 feet along the Section line to the 1/16 corner; thence South 89o 06'38" East, 678.60 feet to the true point of beginning; thence North 00o 09'14" West, 510.0 feet to a point on the access road culdesac; thence 58.37 feet along a curve to the left whose chord bears North 62o 00'08" East, and whose radius is 60.0 feet; thence South 55o 50'28" East, 760.23 feet; thence South 00o 45'54" East, 120.0 feet; thence North 89o 06'38" West, 678.87 feet to the true point of beginning. (Lot 14, Providence Lake aka Lot 14 of First Addition to Emerald Acres) PARCEL II: The South 30 feet of that portion of the Northeast Quarter of the Southwest Quarter of Section 10, Township 56 North, Range 1 West, Boise Meridian, Bonner County, Order No.: S40138 Idaho, lying West of the County Road, as it exists. According to the County Assessors office, the above described property is commonly known as: 8479 Sagle Road Sagle ID 83860. 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 8479 Sagle 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 Kay L. Fort, an unmarried woman, as grantors, to Sandpoint Title Insurance, as successor Trustee, for the benefit and security of First Security Bank, N.A., as Beneficiary, dated 05/31/2000, and recorded on 06/01/2000, as Instrument No. 564634, 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 05/31/2000. The monthly installments for principal, interest and impounds (if applicable) of 970.91, due per month for the months of 5/1/2004 through 9/17/2004, 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 $112,077.88, plus accrued interest at the rate of 8.625% per annum from 04/01/2004. All delinquent amounts are now due, together with accrued 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: 9-20-04

First American Title Insurance Company Sale Information Line: 916.387.7728 Sale Information Website: — Reinstatement and Pay-Off Requests: 949.622.3388. By: Kathleen M. Mayerle, Asst Sec THIS IS AN ATTEMPT TO COLLECT A DEBT AND INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Legal 5548

October 20, 27, November 3, 10, 2004

CITY OF SANDPOINT REQUEST FOR PROPOSAL