NOTICE OF SUCCESSOR TRUSTEE'S SALE

On September 5, 2005, 10:00 a.m., Pacific Standard Time, at First American Title Company, 419 N Second Avenue, Sandpoint, ID 83864, Edwin B. Holmes, a member of the Idaho State Bar and Successor Trustee to First American Title Company, will sell at public auction, to the highest bidder, for cash, in lawful money of the United States of America, all payable at the time of sale, the following parcel of real property located in the County of Bonner, State of Idaho, to wit:

Lot 16, Block 1, Blanchard Valley Farms First Addition, according to the plat thereof recorded in Book 4 of Plats, Page 7, records of Bonner County, Idaho.

The Successor Trustee has no knowledge of a more particular description of the above-referenced real property, but for purposes of complying with Idaho Code section 60-113, information concerning the location of said real property may be obtained from the Successor Trustee, Edwin B. Holmes, at the address and telephone number set forth below.

Said public auction sale will be made without covenant, guarantee, representation or warranty of any kind regarding title, possession, encumbrances or condition. Said public auction will be conducted to satisfy an obligation secured by, and pursuant to the power of sale conferred in the Deed of Trust executed by Clifford Lee Anderson and Teresa Ann Anderson, as Grantor(s)/Trustor(s), First American Title Company, as original Trustee named in said Deed of Trust, for the benefit and security of J. HANK HESTER and JANET HESTER, as Beneficiary, dated Spetember 17, 2001, signed by the Grantor(s)/Trustor(s) on September 17, 2001 and recorded on September 21, 2001, as Instrument No. 588288 in the records of the County Recorder for the County of Bonner, State of Idaho.

THE ABOVE NAMED GRANTOR(S)/TRUSTOR(S) ARE NAMED TO COMPLY WITH IDAHO CODE SECTION 45-1506(4)(a). NO REPRESENTATION IS MADE THAT SAID GRANTOR(S)/ TRUSTOR(S) IS(ARE), OR IS (ARE) NOT PRESENTLY RESPONSIBLE FOR THIS OBLIGATION.

As of the date of default, March 8, 2005, the default for which this public auction sale is to be made is the failure to:

1. Make the monthly installment payments under a Promissory Note of even date with and secured by the above-mentioned deed of trust, in the sum of three hundred seventy five dollars and forty four cents ($375.44) per month, together with late charges of thirty seven dollars and fifty four cents ($37.54) per month for the month(s) of January 2003 through February, 2005, inclusive:

2. Pay the real property taxes and assessments for 2001, 2002, 2003 and 2004, in the principal sum of $180.48 for tax year 2001, $147.49 for tax year 2002, $200.14 for tax year 2003 and $187.28 for tax year 2004, together with interest and penalties accrued or to accrue up to the time of payment.

As of the date of default, March 8, 2005, the principal balance currently owing on the obligation secured by the aforementioned deed of trust is thirty six thousand four hundred ninety dollars and fifty eight cents ($36,490.58); accrued interest, at a per annum rate of twelve percent (12.00%) in the amount of nine thousand four hundred forty seven dollars and forty six cents ($9,447.46), and late charges in the amount of one thousdand thirteen dollars and fifty eight cents ($1,013.58), for a total due, as of the aforementioned date, of forty six thousand nine hundred fifty one dollars and sixty two cents ($46,951.62), exclusive of all delinquent taxes, and any interest or penalties thereon. Said delinquent amount continues to accrue interest, late charges and/or fees, escrow fees and/or charges, foreclosure costs and attorneys fees and outstanding taxes and penalties, if any. All delinquencies are now due in full together with all late charges, advances to protect security, and fees and costs associated with this foreclosure sale.

The Beneficiary elects, and has directed the Successor Trustee, to sell or cause the aforementioned deed of trust to be sold to satisfy said obligations. The sale shall be governed by the provisions contained in Title 45, Chapter 15, Idaho Code. The Successor Trustee's authority herein is evidenced by an appointment of successor Trustee recorded as Instrument No. 671003 in the records of Bonner County, State of Idaho.

Dated this 3rd day of May, 2005.

Edwin B. Holmes, ISB #4668

HOLMES LAW OFFICE, P.A.

2115 SHERMAN AVE., SUITE 107

COEUR D'ALENE, IDAHO 83814

TELEPHONE: (208) 664-2351

Legal SNP 6977

May 10, 17, 24, 31, 2005