NOTICE OF TRUSTEE'S SALE T.S.

No.: F-40964-ID-DL Loan No.: 100973395 On 10/7/2005 at 11:00 AM (recognized local time), at the main entrance to Alliance Title & Escrow Corp., 105 Pine Street, Sandpoint, ID. In the County of Bonner, State of Idaho, Fidelity National Title Company, as successor Trustee, on behalf of U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital I Inc. Trust 2002-HE1 Mortgage Pass-Through Certificates, Series 2002-HE1 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 described real property, situated in the County of Bonner, State of Idaho, and described as follows: Exhibit A Parcel I: That part of Block 29 of Jackson's First Addition to Priest river, Idaho described at follows: Beginning at a point 100 feet East and 196 feet North of the Northwest corner of Block 19 of Priest River, Idaho: Thence running East 50 feet; Thence North 120 feet; Thence West 50 feet; Thence South 120 feet to the place of beginning. Parcel II: Tax Number 3 (Less Tax #5), Block 29 of Jackson's First Addition to Priest river, Idaho; Tax Number 3 described as follows: Beginning 100 feet West of the Northeast corner of Block 29; Thence 50 feet West; Thence 120 feet South; Thence 50 feet East; Thence 120 feet North to the place of beginning in Jackson's First Addition to Priest River, Idaho. Tax Number 5 described as follows: Beginning at 100 feet East from the Northwest corner of Block 29; Thence running East 50 feet; Thence running South 120 feet; Thence running West 50 feet; Thence North 120 feet to the point of beginning. 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: 109 Lincoln Avenue, Priest River, ID 83856, 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: Jeffrey L. Reynolds, who acquired title as an unmarried man, As grantors, To: Lamanna Law, for the benefit and security of New Century Mortgage Corporation, As Beneficiary, dated 3/15/2002, recorded 3/25/2002, as Instrument No. 598481. Beneficial interest has been assigned to U.S. Bank, N.A., as Trustee for the holders of Morgan Stanley Dean Witter Capital I Inc. Trust 2002-HE1 Mortgage Pass-Through Certificates, Series 2002-HE1, 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 3/15/2005. The monthly payments for Principal, Interest and Impounds (if applicable) of $719.37, due per month from 1/1/2005, and all subsequent payments 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 $90,741.83, plus accrued interest at the rate of 8.6% per annum from 12/1/2004. All delinquent amounts are now due, together with accruing late charges, and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fee, 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. Dated: June 08, 2005 By: Fidelity National Title Company, as successor Trustee By: Quality Loan Service Corp., as agent for successor Trustee 319 Elm Street, 2nd Floor, San Diego, CA 92101-3006 (619) 645-7711 For Sale Information call: 916-387-7728 or logon to: www.calpost.com Carmen Herrera, Asst. Trustee Sale Officer ASAP707574

Legal 7056

June 22, 29, July 6, 13 2005