NOTICE OF TRUSTEE'S SALE TS No. 06-26452 Doc ID # 000680643412005N Title

Order No. 6611071 Parcel No. RP59N01W277900A The following described property will be sold at public auction to the highest bidder, payable in

lawful money of the United States, In the lobby of Alliance Title & Escrow,

105 Pine St., Ste 101, Sandpoint, ID 83864, on 04/16/2007 at 11:00 am, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 08/27/2004 as Instrument Number 658029, and executed by Luise Cerwensky, an unmarried person, as Grantor(s), in favor of Mortgage Electronic Registration Systems, Inc., as Beneficiary, to ReconTrust Company, N.A., the Current Trustee of record, covering the following real property located in Bonner County, state of Idaho: A Tract of Land located

in Section 27, Township 59 North, Range 1 West, Boise Meridian, Bonner County, Idaho, more fully described as follows: Beginning at a point which is North 0º53 3/4 East a distance of 2054.8 feet; thence West a distance of 1320.8 feet from the Southeast corner of said Section 27; thence North a distance of 470.1 feet; thence West a distance of 529.5 feet; thence South 18º22 1/2 West a distance of 61.6 feet; thence around a curve to the left with a radius of 170.0 feet a distance of 29.1 feet; thence South 8º 33 1/2 West a distance of 387.6 feet; thence East a distance of 613.4 feet to the point of beginning. (Tract 10-B-Birch Grove Estates-Section B-Unrecorded) The Trustee has no knowledge of a more particular description of the above referenced real property, but for purpose of compliance with Idaho Code, Section 60-113, the Trustee has been informed that the street address of, 272 Ridge Way, Sandpoint, ID 83864-8194 is sometimes associated with said real property. Bidders must be prepared to tender the trustee the full amount of the bid at the sale in the form of cash, or a cashier's check drawn on a state or federally insured savings

institution. Said sale will be made without covenant or warranty, express or implied, regarding title, possession or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in that certain Deed of Trust. The default for which this sale is to be made is:

Failure to pay the monthly payment due 09/01/2006 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with

interest currently accruing at 6.500% per annum; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said Deed of Trust, and any supplemental modifications thereto. The principal balance owing as of this date on said obligation is $107,568.65,

plus interest, costs and expenses actually incurred in enforcing the

obligations thereunder and in this sale, together with any unpaid and/or accruing real property taxes, and/or assessments, attorneys' fees, Trustees' fees and costs, and any other amount advanced to protect said security, as authorized in the promissory note secured by the aforementioned Deed of Trust. Therefore, the Beneficiary elects to sell, or cause said trust property to be sold, to satisfy said obligation. Notice is hereby given that this firm is attempting to collect a debt and any information obtained will be used for that purpose, and that the debt may be disputed. 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.

Dated: 12/12/2006

Name and Address of the Current Trustee is: ReconTrust Company,

N.A. 1757 Tapo Canyon Road, SVW-88 Simi Valley, CA 80028-1821 Phone:(800) 281-8219 ReconTrust Company, N.A. Successor Trustee Suzanne Tapp, Assistant Secretary ASAP# 812107

Legal SNP# 8339

Dec. 29, 2006, Jan. 5, 12, 19, 2007

NOTICE OF

PUBLIC HEARINGS

NOTICE IS HEREBY GIVEN that the Bonner County Commissioners will hold public hearings at the following times on Wednesday, January 17, 2007, in the Board Room of the Bonner County Courthouse, 215 S. First Avenue, Sandpoint, Idaho, to consider the following requests:

1:30 P.M. - FILE SS1414-06 - ELIZABETH ESTATES - PRELIMINARY PLAT - MARVIN W. ELLIS TRUST is proposing to subdivide a +/-20 acre parcel into two lots of +/-10 acres each. The subject property is zoned Agricultural, and is located off Golden Gate Road +/-11 miles north of Spirit Lake in Section 36, Township 55 North, Range 4 West, B.M.

1:45 P.M. - FILE SS1373-06 - BIG PINE ESTATE - PRELIMINARY PLAT - ROBERT & LOUIS DRIGGARS are proposing to subdivide a 41.3-acre parcel into one lot of 10 acres and a 31.1-acre designated remainder. The subject property is zoned Agricultural, and is located off Selle Road +/-5 miles north of Ponderay in Section 25, Township 58 North, Range 2 West.

2:00 P.M. - FILE S1379-06 - HOWARD'S HAVEN - PRELIMINARY PLAT - J. HANK & JANET L. HESTER are proposing to subdivide a 68.2-acre parcel into six lots ranging from 10.55 to 12.28 acres. The subject property is zoned Agricultural, and is located off Edgemere Cut-Off Road, +/-11 miles south of Priest River in Section 34, Township 55 North Range 4 West, B.M. The Planning & Zoning Commission at its regularly scheduled public hearing of November 16, 2006, recommended approval of this application to the Board of County Commissioners.

Please contact the Bonner County Planning Department the day before the scheduled hearings to verify if these items will be heard on the date and at the time specified or continued to another date and time.

Any person needing special accommodations to participate in the public hearing should contact the Bonner County Planning Department at (208) 265-1458.

WRITTEN COMMENTS SHOULD BE RECEIVED BY THE BONNER COUNTY PLANNING DEPARTMENT TEN (10) CALENDAR DAYS PRIOR TO THE SCHEDULED HEARING. COMMENTS CAN EITHER BE MAILED TO THE BONNER COUNTY PLANNING DEPARTMENT, 127 S. FIRST AVENUE, SANDPOINT, IDAHO 83864; FAXED TO (208) 265-1463 OR E-MAILED TO planning@co.bonner.id.us. ADDITIONAL INFORMATION IS AVAILABLE AT THE BONNER COUNTY PLANNING DEPARTMENT. STAFF REPORTS ARE AVAILABLE AT THE PLANNING DEPARTMENT OR MAY BE VIEWED AT www.co.bonner.id.us SEVEN DAYS PRIOR TO THE SCHEDULED HEARING.

IN THE EVENT THAT OCCUPANCY OF THE BOARD ROOM EXCEEDS FIRE CODE STANDARDS, THE HEARINGS COULD BE RELOCATED TO ANOTHER PUBLIC LOCATION WITHIN WALKING DISTANCE. SIGNS WILL BE POSTED IDENTIFYING THE NEW LOCATION.

Legal SNP# 8340

December 29, 2006.