NOTICE OF TRUSTEE°OS SALE

On August 1, 2007, at the hour of 9:00 o°Oclock A.M., of said day at the office of the Trustee°Os 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, Id 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 FRANCIS 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 A6P5Bonner 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 accure at the 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 16 day of March, 2007

ROBERT R. ROWLEY

TRUSTEE

SNP Legal #8657

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