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NOTICE OF TRUSTEE'S SALE

| February 16, 2007 8:00 PM

Trustee's Sale No. 02-FSF-44870 Notice is hereby given that, Pioneer Lender Trustee Services, LLC , the duly appointed Successor Trustee, will on May 30, 2007 , at the hour of 11:00 AM , of said day, In the Lobby of Alliance Title & Escrow Corp., 105 Pine Street, Ste 101, 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: That portion of the west half of the SW quarter of section 23 township 54 n range 3 w Boise meridian Bonner County, Idaho described as follows: Beginning at the SW corner of said section; north along the west line of said section 638.61 feet to the west right of way of the old northern pacific railroad; along said right of way 1035.50 feet to the true point of beginning; containing along said right of way of north 52 degrees 17' 51" east 104.50 feet; north 52 degrees 29' 27" east, 550.14 feet to the west right of way of the County road; along the county road of way north 16 degrees 42' 01" west 100.00 feet; leaving said right of way south 81 degrees 23' 31" west, 671.57 feet; south 52 degrees 17' 51" west, 313.50 feet; south 37 degrees 42' 09" east, 68.00 feet; north 52 degrees 17' 51" east, 58.00 feet; south 37 degrees 42' 09" east 122.16 feet to the north line of the southwest quarter of the southwest quarter of said section, north 52 degrees 17' 51" east, 150.00 feet; south 37 degrees 57' 17" east, 227.84 feet to the true point of beginning. The property is conveyed with all rights, privileges and appurtenances and subject to all easements, encroachments, restrictions and reservations as of record may appear. 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 860 Granite Loop Street, Athol, ID 83801 , 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 Kimberly M Miller and Jeffery S Miller, wife and husband , as Grantor, to Chicago Title Insurance Company , as Trustee, for the benefit and security of Bank of America NA , as Beneficiary, dated 6/29/2005 , recorded 8/4/2005 , under Instrument No. 683399 , Mortgage records of Bonner County, Idaho, the beneficial interest in which is presently held by Bank of America NA. 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 6/29/2005 , the monthly payment which became due on 7/19/2006 and all subsequent monthly payments, plus late charges and other costs and fees as set forth. Amount due as of January 19, 2007 Delinquent Payments from July 19, 2006 7 payments due from $ 5,700.28 ( 07-19-06 through 01-19-07 ) Late Charges: $ 122.22 Beneficiary Advances: $ 95.00 Suspense Credit: $ 0.00 Total : $ 5,917.50 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 $ 119,965.07 , together with interest thereon at 8.250 % per annum from 6/19/2006 , 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 be heard as to those objections if they bring a lawsuit to restrain the same. Dated: 1/19/2007 Pioneer Lender Trustee Services, LLC Trustee By Mark L. Yermasek-Morger, Vice President c/o Regional Trustee Services Corporation, 616 1st Avenue, Suite 500, Seattle, WA 98104 Phone: (206) 340-2550 Sale Information: http://www.rtrustee.com ASAP# 821363

Legal SNP# 8417

February 2, 9, 16, 23, 2007

NOTICE OF PUBLIC

HEARING

NOTICE IS HEREBY GIVEN that the Bonner County Commissioners will hold public hearings at the following times on Wednesday, March 7, 2007, in the Board Room of the Bonner County Courthouse, 215 S. First Avenue, Sandpoint, Idaho, to consider the following requests:

1:30 P.M. - FILE ZC323-06 - ZONE CHANGE REQUEST: SUBURBAN TO RURAL - DANIEL SCHMIT & CYNTHIA KIM are requesting to re-zone a portion of property from Suburban (1-2.5-acre minimums) to Rural (5-acre minimums) in order to allow the parcel to be eligible for a four-lot short plat at the 5-acre minimum density. The property is located in two sections, 36 and 25, of Township 56 North, Range 4 West, with the subject +/-8 acres in Section 36 zoned Suburban and the remainder zoned Rural. The site is located west of Laclede and +/-5 miles east of the City of Priest River. The Planning & Zoning Commission at its regularly scheduled public hearing of February 1st recommended approval of this application to the Board of County Commissioners.

1:45 P.M. - FILE SS1409-06 - PRELIMINARY PLAT -PERRON ACRES - MICHAEL WOODS is proposing to subdivide a 10.26-acre parcel into two lots of +/-5.12 acres and +/-5.13 acres. The subject property is zoned Rural, and is located off Woods Road, +/-4 miles east of Priest River in Section 21, Township 56 North, Range 4 West.

2:00 P.M. - FILE SS1434-06 - PRELIMINARY PLAT - CAREDONIA ESTATES - BRUCE & LISA TROUT are requesting to subdivide a +/-20-acre parcel into four 5-acre aliquot lots. The site is served by both Bayview Road and County Road 22 and is located +/-10 miles north of the City of Athol in Section 30, Township 54 North, Range 2 West.

Please contact the Bonner County Planning Department the day before the scheduled hearings to verify if these items will be heard on the date and at the time specified or continued to another date and time.

Any person needing special accommodations to participate in the public hearing should contact the Bonner County Planning Department at (208) 265-1458.

WRITTEN COMMENTS SHOULD BE RECEIVED BY THE BONNER COUNTY PLANNING DEPARTMENT TEN (10) CALENDAR DAYS PRIOR TO THE SCHEDULED HEARING. COMMENTS CAN EITHER BE MAILED TO THE BONNER COUNTY PLANNING DEPARTMENT, 127 S. FIRST AVENUE, SANDPOINT, IDAHO 83864; FAXED TO (208) 265-1463 OR E-MAILED TO planning@co.bonner.id.us. ADDITIONAL INFORMATION IS AVAILABLE AT THE BONNER COUNTY PLANNING DEPARTMENT. STAFF REPORTS ARE AVAILABLE AT THE PLANNING DEPARTMENT OR MAY BE VIEWED AT www.co.bonner.id.us SEVEN DAYS PRIOR TO THE SCHEDULED HEARING.

IN THE EVENT THAT OCCUPANCY OF THE BOARD ROOM EXCEEDS FIRE CODE STANDARDS, THE HEARINGS COULD BE RELOCATED TO ANOTHER PUBLIC LOCATION WITHIN WALKING DISTANCE. SIGNS WILL BE POSTED IDENTIFYING THE NEW LOCATION.

Legal SNP# 8449

February 16, 2007.

NOTICE OF PUBLIC

HEARING BONNER

COUNTY PLANNING & ZONING COMMISSION

NOTICE IS HEREBY GIVEN that the Bonner County Planning and Zoning Commission will hold a public open house from 4-5 p.m. followed by a public hearing at 5 p.m. on Thursday, March 1, 2007, at the Sandpoint Community Hall, 204 S. First Avenue, Sandpoint, Idaho, to consider the following:

TITLE 12, BONNER COUNTY REVISED CODE - CODE REFORM - FILES AM92-06 & AM94-06 - BONNER COUNTY & CHRIS PHILLIPS - Bonner County has initiated an amendment to Title 12, Bonner County Revised Code, to consider a comprehensive revision to its zoning and subdivision laws and its official zoning map affecting all unincorporated areas of Bonner County. Bonner County will concurrently consider a citizen-initiated zoning amendment to conditionally allow recording studios in the Rural and Agricultural districts of Bonner County. The proposed land use amendment would repeal the current land use codes and official zoning map and would adopt revised land use codes, establish new zoning districts and enact a new zoning map in accord with the 2005 comprehensive plan map. The amendment would also re-adopt certain existing standards and enact new and revised codes which include multiple updates and revisions to current zoning and subdivision law and permit procedures. Some of the proposed changes include the following: new cottage and conservation subdivision options; changes to the commercial districts to allow residential uses and reduced setback standards, new landscaping and buffering standards; affordable housing options; updates to the home occupation code to allow some flexibility for home-based businesses; provisions for bike and pedestrian trails; allowances for light industrial uses in the commercial district; revised standards for development within wetlands, floodplains, alpine communities and steep slopes; revised sign standards; revised residential setbacks; conditional use permit allowances for retreats and art studios; and amnesty from certain surveying and platting requirements of the 1978 subdivision code. Copies of the proposed land use code amendments and proposed zoning map may be viewed at the Bonner County Planning Department, 127 S. 1st Ave., Sandpoint, ID or on line at the county's web site: www.co.bonner.id.us

Any person needing special accommodations to participate in the public hearing should contact the Bonner County Planning Department at (208) 265-1458.

WRITTEN COMMENTS MAY BE SUBMITTED PRIOR TO THE HEARING OR AT THE PUBLIC HEARING. COMMENTS MAY BE MAILED TO THE BONNER COUNTY PLANNING DEPARTMENT, 127 S. 1ST AVE. SANDPOINT, IDAHO 83864; FAXED TO (208) 265-1463 OR E-MAILED TO planning@co.bonner.id.us

SNP #8439

February 13, 16, 2007