NOTICE OF

TRUSTEE'S SALE

On Decembr 6, 2006, at the hour of 2:00 o'clock PM of said day, at First American Title Company, 419 North Second Avenue, Sandpoint, Idaho, JUST LAW, INC., as Successor Trustee, 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 to wit:

The West half of the West half of the Northwest quarter of the Southeast quarter in Section 21, Township 57 North, Range 3 West, Boise Meridian, Bonner County, Idaho.

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 the address of NNA Smith Creek Rd., aka 778 Spring Creek Rd., aka 778 Spring Creek Lane, Sandpoint, ID, is sometimes associated with the said real property.

This Trustee's Sale is subject to a bankruptcy filing, a payoff, a reinstatement or any other conditions of which the Trustee is not aware that would cause the cancellation of this sale. Further, if any of these conditions exist, this sale may be null and void, the successful bidder's funds shall be returned, and the Trustee and the Beneficiary shall not be liable to the successful bidder for any damages.

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 Eric Nordgaarden and Corie Nordgaarden, as Grantor(s) with PHH Mortgage Corp. as the Beneficiary, under the Deed of Trust recorded January 31, 1995, as Instrument No. 459747, in the 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 the failure to pay the amount due under the certain Promissory Note and Deed of Trust, in the amounts called for thereunder as follows: Monthly payments in the amount of $782.01 for the months of April 2006 through and including to the date of sale, together with late charges and monthly payments accruing. The sum owing on the obligation secured by said Deed of Trust is $73,625.33 as principal, plus service charges, attorney's fees, costs of this foreclosure, any and all funds expended by Beneficiary to protect their security interest, and interest accruing at the rate of 9.5% from March 1, 2006, together with delinquent taxes plus penalties and interest to the date of sale.

The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation.

Dated this 16th day of March, 2006.

Paula Peterson, Trust Officer

for Charles C. Just, Esq.

CHARLES C. JUST

P.O. Box 50271

Idaho Falls, Idaho 83405

(208) 523-9106

FAX (208) 523-9146

For information concerning

this sale please contact

The Just Law Office at:

www.justlawidaho.com or

Toll Free at

1-800-923-9106

Legal SNP# 8030

Aug. 16, 23, 30, Sept. 6, 2006