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NOTICE OF TRUSTEE'S SALE

| March 29, 2007 9:00 PM

On August 1, 2007, at the hour of 9:00 o'clock A.M., of said day at the office of the Trustee's agent First American Title, 419 N. Second Avenue, Sandpoint, ID 83864, ROBERT R. ROWLEY, as Trustee, will sell at public auction, to the highest bidder, for cash (the Trustee is authorized to make a credit bid for the Beneficiary) in lawful money of the United States of America, all payable at the time of the sale, the following described real property, situated in Bonner County, State of Idaho, to-wit:

THE NORTH HALF OF THE SOUTH HALF OF THE SOUTHWEST QUARTER OF THE NORTHWEST QUARTER OF SECTION 29, TOWNSHIP 54 NORTH, RANGE 4 WEST; BOISE MERIDIAN, BONNER COUNTY, IDAHO;

For the purposes of compliance with Idaho Code 60-113, the Trustee has been informed that the address of NNA, Spirit Lake, WA 83869 may sometimes be 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 FRANCES L. TULLY, a single person, and ANNETTE M. TULLY, a single person, as the Grantors, and there being no appointed Trustee, and the ESTATE OF BARBARA M. DIRKS, by Brian L. Dirks, Personal Representative is the Beneficiary under the Deed of Trust dated June 9, 2003, and recorded on June 17, 2003, as Instrument No. 626964, records of Bonner County, Idaho,

The above Grantors are named to comply with Idaho Code Section 45-1506(4)(a). 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 of the Grantors to pay when due, monthly installments as set forth on the Note secured by said Deed of Trust. Monthly installments in the amount of $2,631.94, which includes principal, late charges, escrow forfeiture fee, interest and escrow impounds, is due for August, 2006, and the 15th day of each and every month thereafter until paid. Interest is due as of August 15, 2006, and continues to accrue at the rate of 11.9% per annum. All delinquent amounts are now due and payable along with all costs and fees associated with this foreclosure. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $25,225.78, plus accruing interest, fees and costs.

Dated this ____ day of March, 2007.

(TRUSTEE)

By ROBERT R. ROWLEY

STATE OF WASHINGTON ss.

County of Spokane

On this ___ day of March, 2007, before me, a Notary Public in and for said county and state, personally appeared Robert R. Rowley, to me to be the Trustee of the Deed of Trust mentioned in this Notice of Trustee's Sale, and whose name is subscribed to the within instrument on behalf of said Trustee and acknowledged to me that he executed the same on behalf of said Trustee and that said Trustee executed the same.

IN WITNESS WHEREOF, I have hereunto affixed by hand and official seal the day and year in this certificate first above written.

My Commission Expires:

(seal)

Legal SNP# 8541

Mar. 29, Apr. 5, 12, 19, 2007