NOTICE OF TRUSTEE'S SALE

On FRIDAY, 29 FEBRUARY 2008 AT THE HOUR OF 11:00 o'clock A.M., local time, of said day, at the front steps of the Bonner County Courthouse, 215 South First Avenue, Sandpoint, Idaho, Paul Harrington, as Successor Trustee, 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, together with fixtures, situated in the County of Bonner, State of Idaho, and particularly described as follows:

Lots 5 and 6 in Block 1 of EDELWEISS VILLAGE, according to the plat thereof, recorded in Book 3 of Plats, Page 16, records of Bonner County, Idaho.

Address: 580 Schweitzer Basin Road, Sandpoint, ID

The trustee has no knowledge of a more particular description of the above referenced real property for purposes of compliance with Section 60-113 Idaho Code.

Said sale will be made without covenant or warranty regarding title, possession or encumbrances to satisfy the obligations secured by and pursuant to the power of sale conferred in the Deed of Trust described as follows:

GRANTOR: Tracy K. Fox, an Unmarried Person

TRUSTEE: Sandpoint Title Company

BENEFICIARY: Mountain West Bank

ORIGINAL AMOUNT: $385,000.00

DATE/RECORDED: March 8, 2006/ March 14, 2006

Instrument No.: 699850

SAID INSTRUMENT WAS MODIFIED BY AGREEMENT:

DATED/RECORDED: OCTOBER 11, 2006/OCTOBER 26, 2006

INSTRUMENT NO.: 716055

THE GRANTOR NAMED HEREIN IS LISTED TO COMPLY WITH SECTION 45-1506(4)(a) OF THE IDAHO CODE. No representation is made whether or not she is currently responsible for the obligation listed herein.

The default for which this sale is to be made is the default in payments on the obligation secured by the Deed of Trust for failure of the obligor to make payments of a promissory note with a maturity date of 1 August 2007. As of 19 October 2007, the outstanding principal balance owing on the obligation secured by the Deed of Trust was $428,735.24 plus accrued interest of $12,420.75. Interest accrues from 19 October 2007 at the rate of 9.25% per annum or $108.65208 per day. Grantor may also be required to pay outstanding taxes, interest, penalties, late charges, service charges, appraisal fees, title policy fees, and any other disbursements, costs, fees or expenses incurred or paid by the Beneficiary and/or Trustee associated with this Notice of Default and/or this foreclosure as provided by the Deed of Trust, Promissory Note or Credit Agreement, or by Idaho law. Paul Harrington, Attorney at Law, is successor trustee of said Deed of Trust.

DATED 11/1/07

/S/ Paul Harrington, Trustee

250 Northwest Boulevard, Suite 102,

Coeur d'Alene, Idaho 83814

208-667-0517

Legal SNP 9095

November 14, 21, 28, December 5, 12, 2007