NOTICE OF TRUSTEE'S SALE

Trustee's Sale No. 02-HH-40034 Notice is hereby given that, Fidelity National Title Insurance Company, the duly appointed Successor Trustee, will on December 23, 2005, at the hour of 11:00 AM, of said day, at the main entrance to Alliance Title & Escrow Corp. 105 Pine Street, Sandpoint, ID, 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 and personal property (hereafter referred to collectively as the "Property"), situated in the County of Bonner, State of Idaho, to-wit: Lot 1 of Wood View, according to the Plat thereof, recorded in Book 4 of Plats, Page 29, Records of Bonner County, Idaho. The Trustee has no knowledge of a more particular description of the above-referenced Property but, for purposes of compliance with Section 60-113 of Idaho Code, the Trustee has been informed that the address of 402 Woodview, Sandpoint, ID 83864, 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 Leora Hand and Jamie Hand, wife and husband, as Grantor, to I.R.E.P., as Trustee, for the benefit and security of Household Financial Services, Inc., as Beneficiary, dated 1/27/2003, recorded 2/6/2003, under Instrument No. 618029, Mortgage records of Bonner County, Idaho, the beneficial interest in which is presently held by Household Financial Services, Inc.. 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. The default for which is sale is made is the failure to pay when due under the Deed of Trust Note dated 1/27/2003, the monthly payment which became due on 5/1/2005 and all subsequent monthly payments, plus late charges and other costs and fees as set forth. Amount due as of August 15, 2005 Delinquent Payments from May 01, 2005 4 payments at $751.88 each $3,007.52 (05-01-05 through 08-15-05) Late Charges: $30.94 Beneficiary Advances: $900.01 Suspense Credit: $-80.58 Total: $3,857.89 All delinquencies are now due, together with unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, costs and advances made to protect the security associated with this foreclosure. The principal balance is $95,880.45, together with interest thereon at 6.000% per annum from 4/1/2005, until paid. The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to b heard as to those objections if they bring a lawsuit to restrain the same. Dated: 8/15/2005 Fidelity National Title Insurance Company Trustee By G Sheppard c/o Regional Trustee Services Corporation, 616 1st Avenue, Suite 500, Seattle, WA 98104 Phone: (206) 340-2550 Sale Information: http://www.rtrustee.com ASAP718883

Legal 7230

September 07, 14, 21, 28 2005