Notice of Trustee's Sale Idaho Code 45-1506

Today's date: October 17, 2007 File No.: 7777.24647 Sale date and time (local time): February 19, 2008 at 10:00 AM Sale location: in the office of First American Title Company, 419 North 2nd Avenue, Sandpoint, ID 83864 Property address: 634 Skyhawk Drive Spirit lake, ID 83869 Successor Trustee: Northwest Trustee Services, Inc., an Idaho Corporation P.O. Box 997 Bellevue, WA 98009 (425) 586-1900 Deed of Trust information Original grantor: Larry Spencer, a married man as his sole and separate property Original trustee: North Idaho Title Original beneficiary: Mortgage Electronic Registration Systems, Inc., solely as nominee for American Mortgage Express Financial DBA Millennium Funding Group Recording date: July 29, 2005 Recorder's instrument number: 682917 County: Bonner Sum owing on the obligation: as of October 17, 2007: $349,970.47 Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check. For further information write or call the Successor Trustee at the address or telephone number provided above. Basis of default: failure to make payments when due. Please take notice that the Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be correct. The property's legal description is: Lot 10 in Block 1 of Treeport, according to the Plat thereof, recorded in Book 3 of Plats, Page 158, records of Bonner County, Idaho. The sale is subject to conditions, rules and procedures as described at the sale and which can be reviewed at www.northwesttrustee.com or USA-Foreclosure.com. The sale is made without representation, warranty or covenant of any kind. (TS# 7777.24647) 1002.78040-FEI

Legal SNP 9069

October 31, November 7, 14, 21, 2007