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NOTICE OF TRUSTEE'S SALE

| March 21, 2005 8:00 PM

NOTICE IS HEREBY GIVEN that on July 12, 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 10 of KOOTENAI MEADOWS, according to the plat thereof, recorded in Book 3 of Plats, Page 128, records of Bonner County, Idaho.

The purported physical address is 160 Kootenai Meadows Drive, Sandpoint, Idaho.

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 LARRY R. BRICKER and TAMMY L. BRICKER, husband and wife, as Grantors to Sandpoint Title Insurance, 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 P. MCCARTHY, TRUSTEE OF THE PONDORO, INC. PROFIT SHARING PLAN, as Beneficiary, said Deed of Trust having been recorded on August 27, 2004, as Instrument No. 658075, official records of Bonner County, Idaho.

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

The default for which the sale is to be made is the failure of the Grantors and/or assumptive Grantor(s) to make monthly payments of $923.75, each, for the months of November and December, 2004, January and February, 2005; failure to pay late fees of $46.19, each for the same months; failure to pay default and attorney fees of $200.00; and failure to pay 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 $97,000.00, plus accrued interest at the rate of 11.0% per annum from October 29, 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

Attorney at Law

Successor Trustee

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 5936

March 22, 29 April 5, 12 2005