NOTICE OF TRUSTEE'S SALE

T.S. No.: HC-104802-C Loan No.: 0424665495 A.P.N.: RP56N02E087540A NOTICE IS HEREBY GIVEN that, FIRST AMERICAN TITLE INSURANCE COMPANY the duly appointed Successor Trustee, will on 8/17/2007 at 11:00 AM (recognized local time), At the front entrance to the First American Title Insurance building located at 419 North 2nd Avenue Sandpoint, ID 83864 , 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 and personal property, situated in the County of Bonner, State of Idaho, and described as follows: A tract of land in the West half of the Northeast quarter of the Southeast quarter of Section 8, Township 56 North, Range 2 East, Boise Meridian, Bonner County, Idaho, more specifically described as follows: Commencing at the Southwest corner of said West half of the Northeast quarter of the Southeast quarter; thence North 00 degrees 27'52" East the West line of said West half of the Northeast quarter of the Southeast quarter a distance of 96.58 feet to the True Point of Beginning; thence continuing North 00 degrees 27'52" East a distance of 750.00 feet to the centerline of the existing County Road, known as "North spring Creek Road"; thence along said centerline the following four (4) courses: 1. South 78 degrees 32'17" East a distance of 170.68 feet; 2. South 78 degrees 15'23" East a distance of 79.00 feet; 3. 235.18 feet along a curve to the right, whose radius is 480.06 feet, and whose chord bears South 64 degrees 13'19" East a distance of 232.84 feet; 4. South 50 degrees 11'14" East a distance of 97.14 feet; thence leaving said centerline, South 45 degrees 05'29" West a distance of 757.88 feet to the true point of beginning. Except that portion thereof lying within the right of way of the existing County Road, known as the "North Spring Creek Road". 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 that the address sometimes associated with said real property is: 2066 West Spring Creek Road Hope, ID 83836 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: KIMBERLEE D GUNTER, AN UNMARRIED WOMAN, as grantors, to SANDPOINT TITLE INSURANCE, INC., as Trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as solely nominee for lender Homecomings Financial Network Inc., as Beneficiary, dated 8/4/2005, recorded 8/8/2005, as Instrument No. 683701 , records of Bonner County, Idaho, the beneficial interest in which is presently held by MORTGAGE ELECTRONIC REGISTRATION SYSTEM, 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 this sale is to be made is the failure to pay when due, under Deed of Trust and Note dated 8/4/2005. The monthly payments for Principal, Interest and Impounds (if applicable) of 1409.54, due per month from 12/1/2006 through 8/17/2007, and all subsequent payments until the date of sale or reinstatement. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $270,631.74, plus accrued interest at the rate of 6.250% per annum from 11/1/2006. All delinquent amounts are now due, together with accruing late charges, and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, and any amounts advanced to protect the security associated with this foreclosure. The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. Dated: April 16, 2007 FIRST AMERICAN TITLE INSURANCE COMPANY Dee C. Ortega, authorized signatory c/o EXECUTIVE TRUSTEE SERVICES, LLC 15455 San Fernando Mission Blvd. #208 Mission Hills, CA 91345 Phone: (818) 837-2300 Sale Line: (714) 259-7850 ASAP# 844262

Legal SNP #8717

June 7, 14, 21, 28, 2007