Legals October 17, 2012

| October 17, 2012 12:00 AM

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID, 83814, on 01/15/2013 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 10/05/2007 as Instrument Number 2125246000, and executed by TODD A HEIMAN, AND ECHO M HEIMAN, HUSBAND AND WIFE, 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 Kootenai County, State of Idaho: LEGAL DESCRIPTION: THAT PORTION OF LOTS 8 AND 9 IN BLOCK 4 OF STETLER'S ADDITION TO COEUR D'ALENE, ACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK B OF PLATS AT PAGES(S) 15 OFFICIAL RECORDS OF KOOTENAI COUNTY, IDAHO, SITUATED IN THE SOUTHWEST QUARTER OF SECTION 18, TOWNSHIP 50 NORTH, RANGE 3 WEST, BOISE MERIDIAN, KOOTENAI COUNTY, IDAHO, DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHEAST CORNER OF LOT 9 IN BLOCK 4 IN STETLER'S ADDITION, BEING THE REAL POINT OF BEGINNING; THENCE ALONG THE BOUNDARY OF SAID LOT 9 THE FOLLOWING COURSES: NORTH 89 DEGREES 59'19" WEST, 49.98 FEET; THENCE NORTH 00 DEGREES 04'16" WEST, 109.96 FEET; THENCE SOUTH 89 DEGREES 59'28" EAST, 49.98 FEET; THENCE LEAVING SAID BOUNDARY ALONG THE NORTHERLY BOUNDARY OF SAID LOT 8, SOUTH 89 DEGREES 59'28" EAST, 4.81 FEET; THENCE LEAVING SAID NORTHERLY BOUNDARY SOUTH 00 DEGREES 04'10" EAST, 55.94 FEET; THENCE SOUTH 88 DEGREES 35'22" WEST, 7.77 FEET; THENCE SOUTH 25 DEGREES 43'21" WEST, 9.91 FEET; THENCE SOUTH 01 DEGREE 57'31" EAST, 33.44 FEET; THENCE NORTH 88 DEGREES 35'22" EAST, 6.17 FEET TO THE EASTERLY BOUNDARY OF SAID LOT 9; THENCE ALONG SAID EASTERLY BOUNDARY SOUTH 00 DEGREES 04'10" EAST, 11.63 FEET TO THE REAL POINT OF BEGINNING. 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, 2013 E FRONT AVE, Coeur D Alene, ID, 83814-5319 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 06/01/2010 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 4.500% 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 $227,568.85, 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: 09/07/2012, RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219. TS # 11-0003787 FEI # 1006.167018 Legal 7163 September 26, 2012 October 3, 10, 17, 2012

Notice of Trustee's Sale Loan No.0999935349 T.S. No. 201200169 - 34822 On 01/18/2013 at 11:00 am (recognized local time), at the following location in the County of Kootenai, State of Idaho: In the Lobby of Pioneer Title Company of Kootenai County, 100 Wallace Avenue, Coeur d' Alene, ID 83814, Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services, as 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 real property, situated in the County of Kootenai, State of Idaho, and described as follows: Beginning at the corner common to Lots 6 and 7 on the Southerly right-of-way of Rocky Point Court of the plat of ROCKY POINT as filed in Book G, Pages 208-208B, records of Kootenai County; thence Along the line common to Lots 6 and 7 as follows: South 00?04'39" West, 86.23 feet South 23?56'32" East, 62.15 feet South 17?06'13" West, 43.55 feet South 07?00'09" West, 25.90 feet South 10?12'11" West, 67.15 feet South 00?40'31" East 28.08 feet South 01?01'26" East, 38.39 feet South 00?34'27" East, 86.94 feet to a point on the North bank of the Spokane River, thence Along the North bank of the Spokane River as follows: North 66?40'42" West, 15.48 feet North 69?38'33" West, 121.30 feet to the West line of said plat of Rocky Point; thence Along said West line North 01?02'37" West, 300.62 feet to the common corner of Lots 5 and 6; thence Along the line common to Lots 5 and 6 as follows: South 89856'37" East, 110.41 feet North 00?04'39" East, 61.06 feet North 28?48'30" East, 26.97 feet to the Southerly right-of-way of said Rocky Point Court being the beginning of a non-tangent 50.00 foot radius curve, concave to the Northeast, form which the chord bears South 71?26'12" East, 11.40 feet; thence Southeasterly along said curve through a central angle of 13?05'11" an arc length of 11.42 feet to the TRUE POINT OF BEGINNING and including any and all land lying between the above described property and the State owned bed of the Spokane River which land is attached to the abutting lots. The Trustee has no knowledge of a more particular description of the above referenced real property, but for purposes of compliance with Section 60-113 Idaho Code, the Trustee has been informed that the address of 512 S. Rocky Point Ct., Post Falls, Idaho 83854 is sometimes 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 Linda Kofmehl who acquired title as Linda M. Kofmehl, an unmarried woman, as grantors, to Wells Fargo Financial National Bank, as Trustee, for the benefit and security of Wells Fargo Bank, N.A., as Beneficiary, dated 03/16/2007 and recorded on 04/09/2007, as Instrument No. 2092880000, of Official Records of Kootenai County, Idaho. Please Note: 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 set forth herein. The Default for which this sale is to be made is the failure to pay when due, under Deed of Trust and Note dated 03/16/2007. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $62,187.00, plus accrued interest at the rate of 4.24% per annum. All delinquent amounts are now due, together with accruing late charges, and interest, unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, and any amounts advanced to protect the security associated with this foreclosure and that the beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. T.D. Service Company 4000 W. Metropolitan Dr., Suite 400, Orange, CA 92868 Sale Information Line: 714-259-7850 Reinstatement and Pay-Off Requests: (714) 480-5472 THIS IS AN ATTEMPT TO COLLECT A DEBT AND INFORMATION OBTAINED WILL. BE USED FOR THAT PURPOSE. Date: 9/10/12 Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services By: Kara Lansberry, Assistant Trustee Officer A-4302003 10/10/2012, 10/17/2012, 10/24/2012, 10/31/2012 Legal 7236 October 10, 17, 24, 31, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: September 25, 2012 File No.: 7314.01620 Sale date and time (local time): January 24, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 33405 N Sand Creek 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: Anthony J. Shugar, an unmarried person Original trustee: LSI, a Fidelity National Financial Company Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Quicken Loans Inc. Recording date: 01/25/2006 Recorder's instrument number: 2009813 County: Kootenai Sum owing on the obligation: as of September 25, 2012: $270,680.64 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: Tract 302 of Spirit Lake East, according to the official plat thereof, filed in Book F of Plats at Page(s) 18-18G official records of Kootenai 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# 7314.01620) 1002.228682-File No. Legal 7245 October 10, 17, 24, 31, 2012

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran s Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID, 83814, on 01/29/2013 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 10/22/2001 as Instrument Number 1701253, and executed by TONY PALANIUK AND KRISTA PALANIUK, HUSBAND AND WIFE, as Grantor(s), in favor of FIRSTBANK NORTHWEST, WASHINGTON CORPORATION, as Beneficiary, to RECONTRUST COMPANY, N.A., the Current Trustee of record, covering the following real property located in Kootenai County, State of Idaho: LEGAL DESCRIPTION: Beginning at the Northwest corner of the Northeast Quarter of Section 29, Township 52 North, Range 3 West Boise Meridian, Kootenai County, Idaho; thence, South 650 feet along the West line of the Northeast Quarter; thence, East parallel with the North line of the Northeast Quarter to the County Road; thence, Northwest along the County Road to the North line of the Northeast Quarter; thence, West to the PLACE OF BEGINNING. EXCEPTING THEREFROM the following: BEGINNING at the Northwest corner of the Northeast Quarter of Section 29, Township 52 North, Range 3 West Boise Meridian, Kootenai County, Idaho; thence, East along the North line of the Northeast Quarter a distance of 415 feet to a point which is the TRUE POINT OF BEGINNING; thence South a distance of 258 feet; thence, South at a bearing of 12 degrees 22'20" West a distance of 35 feet; thence, South a distance of 257 feet; thence, East parallel with the North line of the Northeast Quarter to the County Road; thence, Northwest along the County Road to the North line of the Northeast Quarter; thence, West to the TRUE POINT OF BEGINNING. 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, 4328 E. GARWOOD ROAD, HAYDEN, ID, 83835 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 02/01/2011 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 6.875% 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 $95,613.86, 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: 09/24/2012, RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219. TS # 12-0079178 FEI # 1006.168690 Legal 7251 October 10, 17, 24, 31, 2012

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID, 83814, on 01/29/2013 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 01/30/2006 as Instrument Number 2010626, and executed by BRAD ANDERSON, A MARRIED MAN AS HIS SOLE & SEPARATE PROPERTY, 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 Kootenai County, State of Idaho: Lot 7 in Block 3 of Jasper Meadows, according to the official plat thereof, filed in Book I of Plats at Page(s) 467 Official Records of Kootenai County, Idaho. Less and except any portion of Lot 7, Block 3, Jasper Meadows, recorded in Book I of Plats at Page 467, Kootenai County Records, described as follows: Commencing at the center Quarter corner of said Section 36 from which the West Quarter corner of said Section 36 bears North 89 degrees 40'56" West, 2,650.25 feet; thence From said point of Commencement, South 45 degrees 09'20" West, 56.41 feet to the Northeast corner of said Plat of Jasper Meadows; thence North 89 degrees 40'56" West, 49.72 feet to the Northeast corner of said Lot 6, said corner being the True Point of Beginning for this described Parcel of land; thence South 44 degrees 50'40" East, 70.51 feet to a 5/8" rebar and cap marked "ATS PLS 8962"; thence South 59 degrees 42'28" West, 116.47 feet to a 5/8" rebar and cap marked "ATS PLS 8962"; Said rebar being the True Point of Curvature of a non-tangent curve concave to the Southwest having a radius of 50.00 feet, a central angle of 49 degrees 04'22" and a chord bearing North 62 degrees 29'58" West, 41.53 feet; thence North and Westerly along said curve, 42.82 feet to a 5/8" rebar and cap marked "ATS PLS 8962"; thence North 00 degrees 19'03" East, 90.05 feet to a 5/8" rebar and cap marked "ATS PLS 8962"; thence South 89 degrees 40'56" East, 87.18 feet to the True Point of Beginning. 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, 1540 N GEMSTONE PL, POST FALLS, ID, 83854-5469 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 06/01/2012 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 6.125% 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 $225,531.08, 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: 09/25/2012, RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219 TS # 12-0078791 FEI # 1006.168678 Legal 7254 October 10, 17, 24, 31, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: September 28, 2012 File No.: 7523.22405 Sale date and time (local time): January 30, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 3783 West View Ct Post Falls, ID 83854 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: Karen Hentemann, a married woman, as her sole and separate property Original trustee: Transnation Title Insurance Company Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for IndyMac Bank, F.S.B., a federally chartered savings bank Recording date: March 14, 2006 Recorder's instrument number: 2018989 County: Kootenai Sum owing on the obligation: as of September 28, 2012: $227,330.67 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 19, Block 3, Majestic View Estates First Addition, according to the plat recorded in the office of the County Recorder in Book "G" of Plats at Pages 63 and 63A, Kootenai 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# 7523.22405) 1002.229364-File No. Legal 7265 October 10, 17, 24, 31, 2012

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID, 83814, on 02/05/2013 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 08/02/2005 as Instrument Number 1969476, and executed by MERLIN J NORTON, AND LINDA NORTON, AS HUSBAND AND WIFE, 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 Kootenai County, State of Idaho: Parcel No. 3 is situated in a portion of the Northeast Quarter of Section 20, Township 50 North, Range 3 West, Boise Meridian, Kootenai County, Idaho and more particularly described as: BEGINNING at a point which bears North 55 degrees 15' 40" West, 2470.67 feet from the East Quarter corner of Section 20; thence South 44 degrees 47' 33" West, 187.54 feet to a point; thence North 60 degrees 17' 53" West, 79.45 feet to a point; thence North 86 degrees 46' 08" West, 57.04 feet to a point; thence North 00 degrees 57' 46" West, 36.25 feet to a point; thence North 89 degrees 28' 58" West, 40.92 feet to a point; thence 00 degrees 57' 46" West, 175.00 feet to a point; thence South 89 degrees 28' 58'' East, 175.00 feet to a point; thence South 46 degrees 51' 03" East, 174.78 feet to the POINT OF BEGINNING. EXCEPTING THEREFROM a 30 foot right of way easement along the Southerly boundary and also 30 feet right of way easement along the Northerly and Northeasterly boundaries as delineated on the Survey recorded November 30, 1978 as Instrument No. 789524, Book 1 of Surveys, Page 67. AND ALSO EXCEPT a parcel of land being a portion of Tax No. 11408, which is Tract 3 as shown on that certain Record of Survey recorded in Book 1 at Page 67 in the Northeast One-Quarter of Section 20, Township 50 North, Range 3 West, Boise Meridian, Kootenai County, Idaho and being more particularly described by metes and bounds as follows: COMMENCING at an existing 3/4 inch iron pipe which marks the most Easterly corner of said Tax No. 11408 and which bears North 55 degrees 15' 40" West, a distance of 2470.67 feet from the East One-Quarter corner of Section 20; thence Along the Southeasterly line of said Tax No. 11408, South 44 degrees 46' 41" West (South 44 degrees 47' 33" West-Deed), a distance of 60.22 feet to a set 5/8 inch iron rod and cap for the POINT OF BEGINNING; thence Continuing South 44 degrees 46' 41" West (South 44 degrees 47' 33" West-Deed), a distance of 127.59 feet to a set 5/8 inch rod and cap marking the Southeast corner of said Tax No. 11408; thence Along the South line of Tax No. 11408 North 60 degrees 17'53" West, a distance of 8.18 feet to a set 5/8 inch iron rod and cap; thence Along a line parallel with the Southeasterly line of said Tax No. 11408 North 44 degrees 46' 41" East, a distance of 129.72 feet to a set 5/8 inch iron rod and cap; thence South 45 degrees 13'19" East, a distance of 7.90 feet to the POINT OF BEGINNING. 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, 4049 EAST SKY HARBOR DRIVE, Coeur D Alene, ID, 83814 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 10/01/2011 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 5.750% 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 $1,346,009.54, 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: 09/28/2012, RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219. TS # 12-0009546 FEI #1006.154936 Legal 7280 October 17, 24, 31, 2012 November 7, 2012

STATE TIMBER SALE CR-31-0020, UPPER BALDY A public oral auction will be conducted at the Idaho Department of Lands office, 80 Hilltop Overpass Road, Kingston, ID 83839, at 10:00 a.m. local time, on Thursday, November 1, 2012 for an estimated 4,145 MBF of timber marked or otherwise designated for cutting. In addition, there is an unestimated volume of pulplogs that may be removed at the option of the purchaser. Prior to bidding, eligible bidders shall present a certified check or bank draft payable to Treasurer, State of Idaho, or a bid bond acceptable to the State, in the amount of $33,378.90 which is 10% of the appraised net sale value of $333,789.00. The successful bidder's deposit will be forfeited to the State should the bidder fail to complete the contract. The State will not accept bids from parties who are delinquent on payments on existing state contracts. The average starting minimum bid price is $110.06 per MBF. The sale is located within Sections 24 & 25, Township 48N, Range 1W, Section 30, Township 48N, Range 1E, Sections 3, 4, 9 & 10, Township 47N, Range 1W B.M., Kootenai County, State of Idaho. Sale duration is 4 years. The sale may include blowdown and/or insect and disease infected timber which may result in additional volume and recovery reductions. Interested purchasers should carefully examine the sale and make their own estimates as to volume recovery, surface conditions, and proposed construction prior to bidding on the sale. Additional information concerning the timber and conditions of sale is available to the public and interested bidders on the department's timber sale website at https://apps.idl.idaho.gov/timbersale or from the Idaho Department of Lands office, Kingston, Idaho. Please note that there are new insurance requirements posted on the timber sale website. The State Board of Land Commissioners reserves the right to reject any and all bids provided that good and sufficient grounds for rejecting the bid shall be stated in the rejection notice and shall not be in violation of applicable law. If you are disabled and need some form of accommodation, please call (208) 682-4611 five days prior to the date of sale. For text telephone services, please call 1-800-377-3529. Legal 7283 October 10, 17, 24, 31, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: October 1, 2012 File No.: 7314.01548 Sale date and time (local time): February 06, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 9712 North Circle Drive Hayden, ID 83835 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: Raymond J. Ward and Anita L. Ward, husband and wife Original trustee: Kootenai County Title Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Homecomings Financial, LLC (F/K/A Homecomings Financial Network, Inc.) Recording date: July 9, 2007 Recorder's instrument number: 2109533000 County: Kootenai Sum owing on the obligation: as of October 1, 2012: $421,529.91 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 5, Block 2, Pine Hayden, according to the plat recorded in the office of the county recorder in Book E of Plats at Page 201, records of Kootenai 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# 7314.01548) 1002.229372-File No. Legal 7291 October 17, 24, 31, 2012 November 7, 2012

CASE NO. CV 12-4358 NOTICE TO CREDITORS IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI In the Matter of the Estate of: JAMES EARL KAHN, Deceased. NOTICE IS HEREBY GIVEN that Andrew Kahn has been appointed personal representative of the above-named decedent. All persons having claims against the decedent or his estate are required to present their claims within four (4) months after the date of the first publication of this notice or said claims will be forever barred. Claims must either be presented to the attorney for the estate at the address indicated and filed with the Clerk of the Court. DATED this 5th day of October, 2012 CAMERON PHILLIPS Attorney for Personal Representative 924 Sherman Avenue Coeur d' Alene, ID 83814 (208) 667-5437 Legal 7299 October 10, 17, 24, 2012

Loan No. xxxxxx9532 T.S. No. 1369657-39 Parcel No. p-9325-004-007-0 NOTICE OF TRUSTEE'S SALE On February 13, 2013, at the hour of 11:00am, of said day, at In the lobby of pioneer title company of kootenai county,, 100 Wallace Ave, Coeur D'alene, Idaho, Pioneer Title Company of Ada County, as trustee, will sell at public auction, to the highest bidder, for cash, cashier's check drawn on a State or National Bank, a check drawn by a State or Federal Credit Union, or a check drawn by a State or Federal Savings and Loan Association, Savings Association, or Savings Bank, all payable at the time of sale, the following described real property, situated in the County of Kootenai, state of Idaho, and described as follows, to wit: Lot 7, block4, windsong, according to the plat recorded in book g of plats, page 48, records of Kootenai county, idaho. Commonly known as 1605 N Arbor Ct (aka 1605 Arbor Ct) Post Falls Id 83854. 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 the Deed of Trust executed by Ronald A Carlson, An Unmarried Man as Grantor, to First American Title, as Trustee, for the benefit and security of Mortgage Electronic Registration Systems, Inc., As Nominee For First Horizon Home Loans, A Division Of First Tennessee Bank N.a., Its Successors and Assigns as Beneficiary, recorded July 16, 2007, as Instrument No. 2110847000, Mortgage records of Kootenai County, Idaho. 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. The default for which this sale is to be made is: Failure to pay the monthly payment due april 1, 2012 of principal, interest and impounds and subsequent installments due thereafter; plus late charges; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said deed of trust. The estimated balance owing as of this date on the obligation secured by said deed of trust is $147,706.68, including interest, costs and expenses actually incurred in enforcing the obligation thereunder or in this sale, and trustee's fees and/or reasonable attorney's fees as authorized in the promissory note secured by the aforementioned Deed of Trust. Pioneer Title Company of Ada County 8151 W. Rifleman Street Boise Id 83704 (888)342-2510 Dated: October 09, 2012 Signature/By Pioneer Title Company of Ada County Dba Pioneer Lender Trustee Services. R-420122 10/17/12, 10/24, 10/31, 11/07 Legal 7303 October 17, 24, 31, 2012 November 7, 2012

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran s Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID, 83814, on 01/15/2013 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 05/24/2006 as Instrument Number 2033306000, and executed by MICHAEL L BELLOWS, AND LINDA L BELLOWS, HUSBAND AND WIFE, 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 Kootenai County, State of Idaho: LOT 2, BLOCK 11. NORTHSHIRE, ACCORDING TO THE PLAT RECORDED IN THE OFFICE OF THE COUNTY RECORDER IN BOOK "E" OF PLATS, PAGE 199, RECORDS OF KOOTENAI COUNTY, STATE OF IDAHO. 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, 4207 LAUREL AVE, Coeur D Alene, ID, 83815-8816 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 06/01/2011 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 6.750% 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 $161,390.61, 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: 09/07/2012, RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219. TS # 12-0074428 FEI # 1006.167019 Legal 7164 September 26, 2012 October 3, 10, 17, 2012

Notice of Public Hearing Dalton Gardens City Council Dalton Gardens City Hall November 1, 2012 6:00 p.m. The Dalton Gardens City Council shall review and take public testimony on the following: An Ordinance of Dalton Gardens, Idaho, a political subdivision of the State of Idaho, of the Dalton Gardens Municipal Code, adding Title 7 Chapter 6 entitled Municipal Sewer Ordinance of Dalton Gardens; adding a purpose, adding user charges, service charges and fees, adding billing procedures, when sewer service connection is required, capitalization fees, and providing penalties, severability and an effective date. The public hearing will be held on November 1, 2012 on or after 6:00 p.m. at Dalton Gardens City Hall, 6360 N. 4th Street, Dalton Gardens Idaho. Public testimony is welcome. Copies of the proposed ordinance may be found online at www.daltongardens.com under Draft Ordinances or can be picked up at City Hall during regular business hours. City Hall is ADA accessible. If special accommodations are needed for the disabled, please notify the City Clerk forty-eight hours in advance of the public hearing. Publish CDA Press: Wednesday October 17, 2012 Attest: Marcia Wingfield, City Clerk Legal 7315 October 17, 2012

Notice of Public Hearings Dalton Gardens City Council Dalton Gardens City Hall 6360 N. 4th Street, Dalton Gardens Idaho October 9, 2012 6:00 p.m. The Dalton Gardens City Council shall review and take public testimony on the following: A series of ordinances of Dalton Gardens, Idaho, a political subdivision of the state of Idaho, amending Title 6 entitled Land Divisions, Chapters 1, 2, 3, 4, 5, and adding Chapter 7 of the Dalton Gardens Municipal Code, more specifically to provide clarifications to general subdivision provisions, clarify and amend subdivision procedures, add, amend, and clarify design procedures, add, amend and clarify improvement requirements, add, amend and clarify the administering and enforcement of plats and land divisions. The Planning Commission is also reviewing a new draft chapter of Title 6 entitled Condominium plats that will address condominium plats and provide for definitions, procedures and application requirements. All draft ordinances will provide for severability and an effective date. The public hearings will be held on all aforementioned Chapters of Title 6 on November 1, 2012 on or after 6:00 p.m. at Dalton Gardens City Hall, 6360 N. 4th Street, Dalton Gardens Idaho. Public testimony is welcome. Copies of the proposed ordinances may be found online at www.daltongardens.com under Draft Ordinances or can be picked up at City Hall during regular business hours. City Hall is ADA accessible. If special accommodations are needed for the disabled, please notify the City Clerk forty-eight hours in advance of the public hearing. Questions on the ordinances can be directed to Cheri Howell, contract land planner for Dalton Gardens at 208-640-9530. Publish: Wednesday, October 17, 2012 ATTEST: Marcia Wingfield, City Clerk Legal 7316 October 17, 2012

Notice of Public Hearing Dalton Gardens City Council Dalton Gardens City Hall November 1, 2012 6:00 p.m. The Dalton Gardens City Council shall review and take public testimony on the following: An ordinance of Dalton Gardens, Idaho, a political subdivision of the state of Idaho, amending Title 6 Chapter 6 of the Dalton Gardens Municipal Code entitled Short Subdivisions, more specifically to limit short subdivisions to Residential districts, amending application procedures and exemptions, including additional agencies required for comment, clarifying the procedures to process a short subdivision application, providing the ability for the Planning Commission to add conditions, and amending the section on violations and penalties, providing for severability and an effective date. The public hearing will be held on November 1, 2012 on or after 6:00 p.m. at Dalton Gardens City Hall, 6360 N. 4th Street, Dalton Gardens Idaho. Public testimony is welcome. Copies of the proposed ordinance may be found online at www.daltongardens.com under Draft Ordinances or can be picked up at City Hall during regular business hours. City Hall is ADA accessible. If special accommodations are needed for the disabled, please notify the City Clerk forty-eight hours in advance of the public hearing. Publish: CDA Press Wednesday, October 17, 2012 ATTEST: Marcia Wingfield, City Clerk Legal 7317 October 17, 2012

SUMMONS TO: DONALD R. SHAW and EDITH T. SHAW, husband and wife, if living; the unknown heirs or devisees of DONALD R. SHAW AND EDITH T. SHAW, if deceased; DONALD R. SHAW, JR., if living; the unknown heirs or devisees of DONALD R. SHAW, JR., if deceased; ROSS LEISK and LEONA LEISK, husband and wife, if living; the unknown heirs or devisees of ROSS LEISK and LEONA LEISK, if deceased; ELIZABETH LEISK MILLS and BRADFORD MILLS, husband and wife, if living; the unknown heirs or devisees of ELIZABETH LEISK MILLS and BRADFORD MILLS, if deceased; ALAN EWING LEISK and BETTY ANN LEISK, husband and wife, if living; the unknown heirs of ALAN EWING LEISK and BETTY ANN LEISK, if deceased; MARGARET J. SHAW, if living; the unknown heirs or devisees of MARGARET J. SHAW, if deceased; and any and all other persons unknown claiming any right, title, lien or interest in or to that certain real property described as Lots 1, 2, 3 and 4, Block B, SHAW'S HAYDEN HIGHLANDS, Kootenai County, State of Idaho, according to the plat recorded in Book D of Plats, page 15, and that part of Lot 1 of Section 21, Township 51 North, Range 3 W. B. M., Kootenai County, State of Idaho, described as follows: That certain tract of land beginning at the Southeast corner of Lot 6, Block B, SHAW'S HAYDEN HIGHLANDS, thence Northwesterly approximately 544 feet along the Southwest boundary of Lot 6, Block B, and the Southwest boundary of the 30 feet drive, to a point where said drive intersects with driveway to County Road, thence Southeasterly approximately 565 feet along the Northeast boundary of said driveway to County Road, to a point which is South 00809' East 60 feet, more or less, from the point of beginning, thence North 00809' West 60 feet, more or less, to the point of beginning, said Tract of land being marked "reserved" in SHAW'S HAYDEN HIGHLANDS. You have been sued by JAMES G. SHENNAN, JR., as Trustee of the ELIZABETH R. SHENNAN EXEMPT TRUST under the JANNA O. SHENNAN 2009 IRREVOCABLE DELAWARE TRUST, DATED MARCH 30, 2009, and as Trustee of the WILLIAM G. SHENNAN EXEMPT TRUST under the JANNA O. SHENNAN 2009 IRREVOCABLE DELAWARE TRUST, DATED MARCH 30, 2009, in the District Court in and for Kootenai County, Idaho, Case No. CV-12-6502. The nature of the claim against you is for QUIET TITLE regarding the real property described herein. The Defendants are named as persons who may claim an interest in the real property described herein. Pursuant to Idaho Code Section 60-113, information concerning the location of the real property described herein can be obtained by contacting the Plaintiffs' attorney at the address and telephone number provided below. Any time after 20 days following the last publication of this Summons, the court may enter a judgment against you without further notice, unless prior to that time you have filed a written response in the proper form, including the Case No., and paid any required filing fee to the Clerk of the Court at the Kootenai County Justice Building, 324 West Garden Avenue, P.O. Box 9000, Coeur d'Alene, Idaho 83814, Telephone: (208) 446-1160, and served a copy of your response on the Plaintiffs' attorney, Pete B. Bredeson, at 1677 East Miles Avenue, Suite 202, Hayden Lake, Idaho 83835, Telephone: (208) 762-9900. A copy of the Summons and Complaint can be obtained by contacting either the Clerk of the Court or the attorney for the Plaintiffs. If you wish legal assistance, you should immediately retain an attorney to advise you in this matter. Dated: 9/13/12 Kootenai County District Court /s/ Bobee Degiman, Deputy Clerk Legal 7329 October 17, 24, 31, 2012 November 7, 2012

HAYDEN AREA REGIONAL SEWER PROJECT PUBLIC MEETING The Hayden Area Regional Sewer Board (HARSB) will hold a public meeting November 1, 2012 at Hayden City Hall at 8930 N Government Way at 3:00 p.m. The purpose of the public meeting is to present recommendations for improvements from the Draft HARSB Wastewater Treatment Facility Plan. The meeting will: present the increased regulatory requirements, treatment system deficiencies, and proposed improvement options, as well as discuss the environmental impacts associated with each option, funding options, and potential financial impact to HARSB customers. Written comments will be accepted by the Board from October 17, 2012 to November 1, 2012. Verbal comments will be accepted at the public meeting. A copy of the facility plan is available for public review at J-U-B Engineers, Inc. (7825 Meadowlark Way in Coeur d'Alene ID 83815), HARSB, and Hayden City Hall during normal business hours. Please send your written comments to J-U-B Engineers. After considering and addressing comments, the Board will determine which improvement option to implement and document the selection no earlier than the Board meeting on November 1, 2012. The Board may elect to select an alternative at a later date. A detailed environmental evaluation will then be performed based on the selected option. Legal 7330 October 17, 2012

NOTICE OF TRUSTEE'S SALE Trustee Sale No. ID01000003-12 APN D-1300-002-008-0 A.I.N. #: 204911 Title Order No. 144506 On January 18, 2013 at 11:00 AM (recognized local time), in the lobby of Pioneer Title Company of Kootenai County, 100 Wallace Avenue, Coeur d'AIene, ID 83814 in the County of Kootenai, State of Idaho, PIONEER TITLE OF ADA COUNTY DBA PIONEER LENDER TRUSTEE SERVICES as successor Trustee on behalf of PARTNERS FOR PAYMENT RELIEF DE III, LLC, 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, situated in the County of Kootenai, State of Idaho, and described as follows: LOT 8, BLOCK 2, DALTON CARAVELLE ESTATES, ACCORDING TO THE PLAT RECORDED IN THE OFFICE OF THE COUNTY RECORDER IN BOOK "G" OF PLATS AT PAGE 332, RECORDS OF KOOTENAI COUNTY, IDAHO. The Trustee has no knowledge of a more particular description of the above referenced real property, but for purposes of compliance with Section 60-113 Idaho Code, the Trustee has been informed that the address of: 6727 N. SNOWBERRY ST, DALTON, ID 83815, is sometimes 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 SCOTT B PETERSEN, GINNY C PETERSEN, HUSBAND AND WIFE as Grantors, to KOOTENAI COUNTY TITLE COMPANY, INC. as Trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as Beneficiary, dated as of February 23, 2007 and recorded March 7, 2007 as Instrument No. 2086785000 and as assigned to PARTNERS FOR PAYMENT RELIEF DE III, LLC, current Beneficiary (the "Beneficiary"), of the records of Kootenai County, Idaho. 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 set forth herein. The default for which this sale is to be made under Deed of Trust and Note dated February 23, 2007 is: failed to pay payments which became due. The monthly payments for Principal, Interest and Impounds (if applicable) which varie from month to month from June 20, 2008, and all subsequent payments until the date of sale or reinstatement. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $71,148.01, plus accrued interest at the rate of 10.50000% per annum from May 20, 2008. All delinquent amounts are now due, together with accruing late charges, and interest, unpaid and accruing taxes, assessments, Trustee's fees, attorney's fees and any amounts advanced to protect the security associated with this foreclosure and that the Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. PIONEER TITLE OF ADA COUNTY DBA PIONEER LENDER TRUSTEE SERVICES c/o TRUSTEE CORPS 17100 Gillette Ave Irvine, CA 92614 949-252-8300 Dated: 9/13/12 PIONEER TITLE OF ADA COUNTY DBA PIONEER LENDER TRUSTEE SERVICES By: Kara Lansberry, Assistant Trustee Officer SALE INFORMATION CAN BE OBTAINED ONLINE AT www.lpsasap.com AUTOMATED SALES INFORMATION PLEASE CALL 800-683-2468 REINSTATEMENT / PAY OFF REQUESTS CONTACT 949-252-8300 or rprequests@trusteecorps.com PIONEER TITLE OF ADA COUNTY DBA PIONEER LENDER TRUSTEE SERVICES may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose. A-4302371 09/26/2012, 10/03/2012, 10/10/2012, 10/17/2012 Legal 7171 September 26, 2012 October 3, 10, 17, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: September 13, 2012 File No.: 7307.25126 Sale date and time (local time): January 16, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 12394 N Avondale Loop Hayden Lake, ID 83835 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: Mark S. Loy and Mary L. Loy, husband and wife Original trustee: LSI, a Fidelity National Financial Company Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Quicken Loans, Inc. Recording date: December 20, 2004 Recorder's instrument number: 1919723 County: Kootenai Sum owing on the obligation: as of September 13, 2012: $226,844.46 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 9 in Block 12 of Second Addition to Avondale on Hayden, according to the official plat thereof, filed in Book E of Plats at Page(s) 56 official records of Kootenai 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# 7307.25126) 1002.227533-File No. Legal 7173 September 26, 2012 October 3, 10, 17, 2012

NOTICE OF TRUSTEE'S SALE On January 22, 2013, at the hour of 11:00 o'clock AM of said day, at First American Title Co., 1866 N. Lakewood Drive, Coeur d' Alene, Idaho, JUST LAW, INC., 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, situated in the County of Kootenai, State of Idaho, and described as follows to wit: Lot 5, Block 84, First Addition to Spirit Lake, according to the plat recorded in Book "C" of Plats Page 32, records of Kootenai County, Idaho, EXCEPT THEREFROM the South 193.6 feet The Trustee has no knowledge of a more particular description of the above referenced real property, but for purposes of compliance with Section 60-113 Idaho Code, the Trustee has been informed the address of 32735 N. 8th Ave., Spirit Lake, ID, is sometimes associated with the said real property. This Trustee's Sale is subject to a bankruptcy filing, a payoff, a reinstatement or any other conditions of which the Trustee is not aware that would cause the cancellation of this sale. Further, if any of these conditions exist, this sale may be null and void, the successful bidder's funds shall be returned, and the Trustee and the Beneficiary shall not be liable to the successful bidder for any damages. Said sale will be made without covenant or warranty regarding title, possessions or encumbrances to satisfy the obligation secured by and pursuant to the power of sale conferred in the Deed of Trust executed by Judy M. Hodgkins, an unmarried person, as Grantor(s) with Mortgage Electronic Registration Systems,Inc. as the Beneficiary, under the Deed of Trust recorded April 16, 2007, as Instrument No. 2094213000, in the records of Kootenai County, Idaho. The Beneficial interest of said Deed of Trust was subsequently assigned to PHH Mortgage Corporation, recorded October 8, 2008, as Instrument No. 2181101000; Loan Modification Agreement was recorded on March 11, 2009 as Instrument No. 2200445000, in the records of said County. 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. The default for which this sale is to be made is the failure to pay the amount due under the certain Promissory Note and Deed of Trust, in the amounts called for thereunder as follows: Monthly payments in the amount of $828.65 for the months of June 2008 through and including to the date of sale, together with late charges and monthly payments accruing. The sum owing on the obligation secured by said Deed of Trust is $107,271.22 as principal, plus service charges, attorney's fees, costs of this foreclosure, any and all funds expended by Beneficiary to protect their security interest, and interest accruing at the rate of 6.0% from May 1, 2008, together with delinquent taxes plus penalties and interest to the date of sale. The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. Dated this 19th day of September, 2012. ___________/s/ Tammie Harris Trust Officer for Just Law, Inc. For information concerning this sale please contact Just Law, Inc. at www.justlawidaho.com or Toll Free at 1-800-923-9106, Thank you. Legal 7199 September 26, 2012 October 3, 10, 17, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: September 17, 2012 File No.: 7314.01961 Sale date and time (local time): January 22, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 447 E Dakota Avenue Hayden, ID 83835 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: Ruth Brown, an unmarried woman Original trustee: North Idaho TItle Insurance Inc. Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for GMAC Mortgage Corporation Recording date: May 20, 2005 Recorder's instrument number: 1951403 County: Kootenai Sum owing on the obligation: as of September 17, 2012: $101,079.70 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: A portion of Lot 1, Block 1, Vicki's Place, located in the Southwest quarter, Section 13, Township 51 North, Range 4 West, Boise Meridian, Kootenai County, Idaho as recorded in Plat Book "I", Page 140, records of Kootenai County, Idaho, and further described as follows: Beginning at a 5/8" I. Pin and the Southwest corner of said Lot 1, Block 1, of Vicki's Place; thence North 00 degrees 13' 56" East, along the West line of said Lot 1, a distance of 166.56 feet to an I. Pin; thence North 89 degrees 58' 29" East, a distance of 60.19 feet to an I. Pin; thence South 00 degrees 18' 30" West, a distance of 20.00 feet to an I. Pin; thence North 89 degrees 58' 29" East, a distance of 60.00 feet to an I. Pin; thence South 00 degrees 18' 59" West, a distance of 147.23 feet to an I. Pin on the Northerly right of way of Dakota Ave; thence North 89 degrees 42' 31" West, along said right of way, a distance of 119.94 feet to the Point of Beginning. 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# 7314.01961) 1002.227784-File No. Legal 7213 October 3, 10, 17, 24, 2012

NOTICE OF TRUSTEE'S SALE On the 7th day of December, 2012 at the hour of 10:00 A.M. recognized local time, in the lobby of North Idaho Title Insurance, Inc., which is located at 601 E. Front Avenue, Coeur d'Alene, County of Kootenai, State of Idaho, CHARLES V. CARROLL, Attorney at Law, a member of the Idaho State Bar, as Successor Trustee, or his designated agent, will sell at public auction, to the highest bidder, for certified funds or equivalent, all payable at the time of sale, the following described real property, situated in the County of Kootenai, State of Idaho, and described as follows, to-wit: SEE LEGAL DESCRIPTION ON ATTACHED EXHIBIT "A" The Successor Trustee has no knowledge of a more particular description of the above-referenced real property, but for purposes of Section 60-113, Idaho Code, the Successor Trustee has been informed that the address of 9205-9265 N. Government Way, Hayden, County of Kootenai, State of Idaho 83835 is sometimes 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 440 PARTNERS, L.L.C., an Idaho limited liability company, as Trustor/Grantor to UPF, Incorporated as Trustee, and RIVERBANK as Beneficiary, and which Deed of Trust was dated June 25, 2007 and recorded June 28, 2007 as Instrument No. 2107974000 in Official Records, County of Kootenai, State of Idaho. THE ABOVE TRUSTOR/GRANTOR IS NAMED TO COMPLY WITH SECTION 45-1506(4)(a) IDAHO CODE. NO REPRESENTATION IS MADE THAT SAID TRUSTOR/GRANTOR IS OR IS NOT RESPONSIBLE FOR THIS OBLIGATION. The defaults for which this sale is to be made include (1) the failure to pay when due under a Promissory Note dated June 25, 2007, as modified by a Change in Terms Agreement dated May 26, 2012, monthly payments of $13,365.00 each due on May 10, 2012, $13,365.00 on June 10, 2012 and $29,095.70 on July 10, 2012 plus accruing interest, including default interest, and applicable late charges until the date of sale or reinstatement; (2) the failure to pay assessed real estate taxes prior to delinquency; and (3) the failure to maintain a payment reserve account. All such delinquent amounts are now due, together with accruing late charges and interest, including default interest, unpaid and accruing taxes, assessments, trustee's fees, attorney fees, title fees and any other amounts advanced to protect the security associated with this foreclosure. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $1,606,333.86 plus accrued and accruing interest, late charges, costs and advances. The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. DATED this 19th day of July, 2012. __________________/s/ CHARLES V. CARROLL A MEMBER OF THE IDAHO STATE BAR SUCCESSOR TRUSTEE Exhibit "A" A PARCEL OF LAND IN TRACT 226, HAYDEN LAKE IRRIGATED TRACTS, ACCORDING TO THE PLAT RECORDED IN BOOK "C" OF PLATS AT PAGES 66 AND 67, RECORDS OF KOOTENAI COUNTY, IDAHO, MORE PARTICULARLY DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHEAST CORNER OF THE NORTHEAST QUARTER, SECTION 23, TOWNSHIP 51 NORTH, RANGE 4 WEST; THENCE 89817'53" WEST, ALONG THE SOUTH LINE OF SAID NORTHEAST QUARTER, OF THE NORTHEAST QUARTER, A DISTANCE OF 30.00 FEET TO THE INTERSECTION WITH THE WEST ARIGHT OF WAY OF GOVERNMENT WAY; THENCE NORTH 01812'19" EAST, ALONG THE WEST RIGHT OF WAY LINE OF GOVERNMENT A DISTANCE OF 20.00 FEET TO THE POINT OF BEGINNING FOR THIS DESCRIPTION; THENCE NORTH 89817'53" WEST, A DISTANCE OF 318.95 FEET TO A 5/8" IRON PIN, BEING A POINT ON THE EAST LINE OF THE WEST 318 FEET OF SAID TRACT 226; THENCE NORTH 01811'54" WEST, ALONG SAID EAST LINE OF SAID TRACT 226, A DISTANCE OF 376.00 FEET TO A 5/8" IRON PIN; THENCE SOUTH 89817"53" EAST, A DISTANCE OF 15.49 FEET TO A 5/8" IRON PIN BEING THE NORTHWEST CORNER OF THE PARCEL; DESCRIBED IN THE DEED TO ANDREW PICKOLICK, ET UX, RECORDED OCTOBER 19, 1954 IN BOOK 158 OF DEEDS, PAGE 302. RECORDS OF KOOTENAI COUNTY, IDAHO; THENCE SOUTH 01812"07" WEST, ALONG THE NORTH-SOUTH CENTERLINE OF TRACT 226 A DISTANCE IF 132.01 FEET TO A 5/8" IRON PIN TO THE SOUTHWEST CORNER OF SAID PICKOLICK PARCEL; THENCE SOUTH 89817'53" EAST, A DISTANCE OF 303.49 FEET TO A 5/8" IRON PIN AT THE WEST RIGHT OF WAY LINE OF GOVERNMENT WAY; THENCE SOUTH 01812'19" WEST, ALONG THE WEST RIGHT OF WAY LINE OF GOVERNMENT WAY, A DISTANCE OF 244.01 FEET TO THE TRUE POINT OF BEGINNING. EXCEPT THAT PORTION OF THE ABOVE DESCRIBED PARCEL DEEDED TO THE CITY OF HAYDEN BY DEED RECORDED APRIL 12, 2006 AS INSTRUMENT NO. 2024696000. Legal 7220 September 26, 2012 October 3, 10, 17, 2012

NOTICE TO CREDITORS IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI IN THE MATTER OF THE ESTATE OF: FLORENCE M. WHITE, Deceased. NOTICED IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of the above-names decedent. All persons having claims against the decedent or his estate are required to present their claims within four (4) months after the date of the first publication of this Notice or said claims will be forever barred. Claims must either be presented to the undersigned at the address indicated, or filed with the Clerk of the Court. DIANA R. MEYER Personal Representative Address: 7267 W. Lancaster Rathdrum, ID 83858 Telephone: (208) 687-0223 Legal 7225 September 26, 2012 October 3, 10, 17, 2012