Loan No. 0423420447

T.S. No. 1077082-09

Parcel No. RP00222000013AA NOTICE OF TRUSTEE'S SALE

On May 31, 2006, at the hour of 11:00am, of said day, at At the front entrance of First American Title Company, 419 N 2nd Street, Sandpoint, Idaho, First American Title Insurance Company, as trustee, will sell at public auction, to the highest bidder, for cash, cashier's check drawn on a State or National Bank, a check drawn by a State or Federal Credit Union, or a check drawn by a State or Federal Savings and Loan Association, Savings Association, or Savings Bank, 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, to wit: Lot 13 of Laclede River Lots, according to the plat thereof, recorded in book 2 of plats, page 79, records of Bonner county, Idaho; also that part of lot 14 lying southwesterly of the following described line; Beginning at a point in the northwesterly line of lot 14 which bears north 57°30' east 25 feet from the westernmost corner of lot 14; thence southeasterly across lot 14 to a point on the southeasterly boundary of lot 14 which bears north 55°37' east 25 feet from the southernmost corner of lot 14. Commonly known as 923 Riley Creek Road Laclede ID 83841. Said sale will be made without covenant or warranty, express or implied, 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 David A Christiansen, A Married Man As His Sole and Separate Property as Grantor, to Sandpoint Title Insurance, Inc., as Trustee, for the benefit and security of Homecomings Financial Network, Inc. as Beneficiary, recorded February 24, 2005, as Instrument No. 670930, Mortgage records of Bonner County, Idaho. 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 this sale is to be made is: Failure to pay the monthly payment due April 1, 2005 of principal, interest and impounds and subsequent installments due thereafter; plus late charges; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said deed of trust. The estimated balance owing as of this date on the obligation secured by said deed of trust is $378,760.32, including interest, costs and expenses actually incurred in enforcing the obligation thereunder or in this sale, and trustee's fees and/or reasonable attorney's fees as authorized in the promissory note secured by the aforementioned Deed of Trust. First American Title Insurance Company C/O Cal-western Reconveyance Corporation P.O. Box 22004 El Cajon CA 92022-9004 (800) 546-1531 Dated: January 30, 2006 First American Title Insurance Company Signature/By Kathleen M. Mayerle, ASST SEC R-125217

Legal SNP#7648

Feb. 22, Mar. 1, 8, 15, 2006