Legals February 5, 2013

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: January 10, 2013 File No.: 7523.22323 Sale date and time (local time): May 14, 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: LOT 56 Jackleg Trail Coeur d' Alene, ID 83814 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: Timothy J Byrne and Sandra L Byrne husband and wife as joint tenants Original trustee: Alliance Title & Escrow Corp. Original beneficiary: IndyMac Bank FSB Recording date: 03/23/2006 Recorder's instrument number: 2020894000 County: Kootenai Sum owing on the obligation: as of January 10, 2013: $538,348.14 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 56 in Block 5 of Gozzer Ranch Golf & Lake Club I, according to the Plat thereof, filed in Book J of Plats, at Pages 262 through 262 "O", 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# 7523.22323) 1002.239238-File No. Legal 7816 January 22, 29, 2013 February 5, 12, 2013

NOTICE OF TRUSTEE'S SALE On Friday, the 24th day of May, 2013, at the hour of 10:00 o'clock a.m. of said day at Alliance Title & Escrow, 1270 Northwood Center Ct., Coeur d'Alene, in the County of Kootenai, State of Idaho, Ryan M. Fawcett, 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 13, BLOCK 4, HAWKS NEST SECOND ADDITION, ACCORDING TO THE PLAT RECORDED IN BOOK "K" OF PLATS AT PAGES 148 THRU 148H, RECORDS OF KOOTENAI COUNTY, STATE OF IDAHO. The Successor 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 Successor Trustee has been informed that the street address of 3389 W. Pescador Dr., Coeur d'Alene, Idaho, 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 REBECCA A. DIXON, an Unmarried Person, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., recorded October 29, 2009, as Instrument No. 2238634000, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on December 27, 2012, as Instrument No. 2389879000, Mortgage records of Kootenai County, Idaho. THE ABOVE GRANTOR IS NAMED TO COMPLY WITH SECTION 45 -1506 (4)(a), IDAHO CODE. NO REPRESENTATION IS MADE THAT SHE IS, OR IS NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION. The default for which this sale is to be made is the failure to pay when due, monthly installment payments under the Deed of Trust Note dated October 28, 2009, in the amount of $1,091.00 each, for the months of August, 2012, through January, 2013, inclusive; and for each and every month thereafter until date of sale or reimbursement. All delinquent payments are now due, plus accumulated late charges, plus any costs or expenses associated with this foreclosure. The accrued interest is at the rate of 4.375% per annum from July 1, 2012. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $174,394.14, plus accrued interest at the rate of 4.375% per annum from July 1, 2012. DATED This 23rd day of January, 2013. RYAN M. FAWCETT, Member of the Idaho State Bar, SUCCESSOR TRUSTEE Legal 7875 January 29, 2013 February 5, 12, 19, 2013

CASE NO. CV13-825 NOTICE OF HEARING ON NAME CHANGE (Adult) IN THE DISTRICT COURT FOR THE FIRST JUDICIAL DISTRICT FOR THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI IN RE: JANET LYNN RANSDELL A petition to change the name of Janet Lynn Ransdell, now residing in the City of Coeur d' Alene, State of Idaho, has been filed in the District Court in Kootenai County, Idaho. The name will change to Spencer Lynn Ransdell. The reason for the change in name is: this is the name my friends and family has called me for years. It is the name I go by. A hearing on the petition is scheduled for 10:30 o' clock a.m. on March 4, 2013 at the Kootenai County Courthouse. Objections may be filed by any person who can show the court a good reason against the name change. Date: January 25, 2013 CLERK OF THE DISTRICT COURT CLIFFORD T. HAYES /s/ Janet K. Cleveland By: Deputy Clerk Legal 7880 January 29, 2013 February 5, 12, 19, 2013

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: January 23, 2013 File No.: 7021.12861 Sale date and time (local time): May 29, 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: 2534 E. Lookout Drive Coeur d' Alene, ID 83815 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: Ernest I. Turner and Reba J. Turner, husband and wife Original trustee: Fidelity National Title Insurance Co. Original beneficiary: Countywide Home Loans, Inc. Recording date: 04/14/2003 Recorder's instrument number: 1793526 County: Kootenai Sum owing on the obligation: as of January 23, 2013: $166,264.80 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 1 in Block F of Hayden View Estates First Addition, according to the official plat thereof, filed in Book F of Plats at Page(s) 11 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# 7021.12861) 1002.240217-File No. Legal 7883 February 5, 12, 19, 26, 2013

NOTICE OF PUBLIC HEARING CITY OF COEUR D'ALENE KOOTENAI COUNTY, IDAHO NOTICE IS HEREBY GIVEN that the City Council of the City of Coeur d'Alene, Kootenai County, Idaho will hold a public hearing to consider any and all public comments regarding the setting of rates/fees to fund the services of the Water Utility. The reasons for the proposed rates/fee will be addressed during the hearing. Information about the proposed rates/fees may be obtained from the office of the Water Superintendent Jim Markley at 3820 Ramsey Road, Coeur d'Alene, Idaho, or by phone at 208-769-2210 during regular business hours. The proposed rates/fees are to assist in covering the cost of maintenance and operations necessary to provide the above noted utility. The public hearing is being held as prescribed by Idaho Code Section 63-1311A. The public hearing will be held in the Community Room of Library at 702 E. Front Street, Coeur d'Alene, Idaho at a regular meeting of the City Council on February 19, 2012 at the hour of 6:00 p.m. ___________/s/ Renata McLeod City Clerk Legal 7889 February 5, 12, 2013

SUMMONS Civil Case CV 13-481 IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI ERIN R. JENKINS, a married man, Plaintiff, vs. RUTH ANN SAWYER; ESTATE OF JOHN DOE SAWYER, the deceased spouse of Ruth Ann Sawyer; PATRICIA ARMSTRONG HESS; JOHN M. HESS; MONUMENTAL GROUP, LLC, an Idaho limited liability company; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC.; WMC MORTGAGE CORPORATION; GE MONEY BANK; TWIN LAKES VILLAGE PROPERTY ASSOCIATION, INC.; IDAHO STATE TAX COMMISSION; and JOHN DOE and JANE DOE 1-10, being all other persons who may claim any right, title or interest in the following described real property: Lot 2, Block 6, TWIN LAKES VILLAGE, according to the plat recorded in Book E of Plats at Page 151, records of Kootenai County, Idaho, Defendants. To the above-named defendants: NOTICE: YOU HAVE BEEN SUED BY THE ABOVE-NAMED PLAINTIFF: THE COURT MAY ENTER JUDGMENT AGAINST YOU WITHOUT FURTHER NOTICE UNLESS YOU RESPOND WITHIN 20 DAYS. READ THE INFORMATION BELOW. You are hereby notified that in order to defend this lawsuit, an appropriate written response must be filed with the above-designated court within 20 days after service of this Summons on you. If you fail to so respond the court may enter judgment against you as demanded by the plaintiff in the Complaint. A copy of the Complaint is on file with the above-named court. If you wish to seek the advice of or representation by an attorney in this matter, you should do so promptly so that your written response, if any, may be filed in time and other legal rights protected. An appropriate written response requires compliance with Rule 10(a)(1) and other Idaho Rules of Civil Procedure and shall also include: 1. The title and number of this case. 2. If your response is an Answer to the Complaint, it must contain admissions or denials of the separate allegations of the Complaint and other defenses you may claim. 3. Your signature, mailing address and telephone number, or the signature, mailing address and telephone number of your attorney. 4. Proof of mailing or delivery of a copy of your response to the plaintiff's attorney, as designated below. To determine whether you must pay a filing fee with your response, contact the Clerk of the above-named court. Dated this 15 day of January, 2013, Clifford T. Hayes, Clerk of the District Court Scott L. Poorman, ISB# 4701 Attorney for Plaintiff PO Box 2871, Hayden, ID 83835 Legal 7899 February 5, 12, 19, 26, 2013

CASE NO. CV-12-9334 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 GLADYS M. HENRIKSEN, Deceased. NOTICE IS HEREBY GIVEN that Larry L. Henriksen was duly appointed as personal representative of the above-named decedent. All persons having claims against the decedent or the estate are required to present their claims within four months after the date of the first publication of this Notice, or within 60 days after the undersigned mailed or delivered a copy of this Notice to such persons, whichever is later, or said claims will be forever barred. Claims must be presented to the undersigned at the address indicated, and filed with the Clerk of the Court. DATED this 29th day of January, 2013. OWENS & CRANDALL, PLLC Jeffery J. Crandall 8596 N. Wayne Dr., Ste. A Hayden, ID 83835 Attorney for Personal Representative Legal 7907 February 5, 12, 19, 2013

Kootenai School District #274 Notice of Position Available Drivers' Education Instructor Must have proper endorsements For application, please contact\u2020 the Kootenai School District Office. Phone 208-689-3631 Kootenai School District Office 13030 E. O'Gara Rd. Harrison ID 83833 Legal 7908 February 5, 2013

NOTICE OF TRUSTEE SALE NOTICE IS HEREBY GIVEN that on April 26, 2013 at 10:00 a.m., First American Company, 1866 North Lakewood Drive, Coeur d' Alene, ID on behalf of Ford Law Offices, PS, Trustee, 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 real property situated in the County of Kootenai, State of Idaho, described as follows: Units A1, A2, A3, A4, A7, A8, A9, and A10 of The Reserve at Bayview Condominiums, according to the Plat recorded in Book "K" of Plats at Pages 295, 295A, 295B, and 295C, records of Kootenai County, Idaho. Together with an undivided interest in the common elements as established by The Declaration of Condominium recorded July 23, 2010 as Instrument No. 2274304000, records of Kootenai County, Idaho. The Trustee has no knowledge of a more particular description of the above-described real property, but for purposes of compliance with Idaho Code \u00DF60-113, information may be obtained from Stephen H. Ford, Attorney at Law, telephone (509) 924-2400. 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 executed by KDB Investments, LLC, an Idaho limited liability company, as Grantor to Ford Law Offices, PS, as trustee, for the benefit and security of David Demars and Sheryl Demars, husband and wife, and Ted Demars and Jean Demars, husband and wife, as Beneficiary, said Deed of Trust having having been recorded on February 6, 2012, as Instrument NO. 2344993000, official records of Kootenai County, Idaho. THE ABOVE GRANTOR IS NAMED TO COMPLY WITH \u00DF45-1506(4)(a) IDAHO CODE. NO REPRESENTATION IS MADE THAT IT IS, OR IS NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION. The default for which the sale is to be made is the failure of the Grantor and/or assumptive Grantor(s) to make monthly payments of $7,866.00 for the months of September, 2012 through, 2012. The balance owing as of the date hereof on the obligation secured by said Deed of Trust is the amount of $821,210.40, plus accrued interest at the rate of 12.0% per annum from December 1, 2012, plus any other costs or expenses associated with this obligation or foreclosure as provided by the Deed of Trust or Deed of Trust Note or by Idaho law. DATED this 18th day of December, 2012. STEPHEN H. FORD Attorney at Law Successor Trustee 320 S. Sullivan Rd. Spokane Valley, WA 99037 (509) 924-2400 STATE OF WASHINGTON ) ) SS ) COUNTY OF SPOKANE On this 14th day of December, 2012, before me, the undersigned, a Notary Public in and for the State of Washington, duly commissioned and sworn, personally appeared STEPHEN H. FORD, to me know to be the Trustee, that executed the foregoing instrument, and acknowledged the said instrument to be the free and voluntary act and deed of said trust, for the uses and purposes therein mentioned, and on oath stated that he are authorized to execute the said instrument. Witness my hand and official seal hereto affixed the day and year above written. /s/ LETA M. BARNES Notary Public in and for the State of Washington Residing at Spokane Valley My Commission Expires 11/30/13 Legal 7820 January 15, 22, 29, 2013 February 5, 2013

Notice of Re-Scheduled Trustee's Sale Idaho Code 45-1506A Today's date: January 11, 2013 File No.: 7023.96553 Sale date and time (local time): February 25, 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: 8194 N Chateaux 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: Lori L. Newman, an unmarried person Original trustee: First American Title Company of Idaho Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Mountain West Bank Recording date: October 10, 2006 Recorder's instrument number: 2060179000 County: Kootenai Sum owing on the obligation: as of January 11, 2013: $206,572.47 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 15, Block 6, Strawberry Fields First Addition, according to the plat recorded in Book J of Plats, Page 261, 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# 7023.96553) 1002.208076-File No. Legal 7827 January 22, 29, 2013 February 5, 2013

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: January 18, 2013 File No.: 7314.01744 Sale date and time (local time): May 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: 5985 S Lakeside Drive Harrison, ID 83833 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: Stephan D. Bergstrom and Charlene M. Bergstrom, husband and wife Original trustee: First American Title Insurance Company Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for GMAC Mortgage Corporation Recording date: 11/15/2004 Recorder's instrument number: 1912639 County: Kootenai Sum owing on the obligation: as of January 18, 2013: $143,917.95 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 5, Block 1, and Lot 5, Block 2, according to the plat of Echo Point, as recorded in Book D of Plats, Page 70, records of Kootenai County, Idaho, located in Section 6, Township 49 North, Range 3 West, Boise Meridian, Kootenai County, Idaho, and described as follows: Beginning at the most Northerly corner of said Lot 5, Block 1; thence South 38 degrees 50' 00" West 237.76 feet along the Northwesterly line of Lot 5 to the shore of Lake Coeur d'Alene; thence 76 feet, more or less, along the shore of Lake Coeur d'Alene to a point which bears South 48 degrees 44' 35" East 75.46 feet from the aforesaid point; thence leaving the shore, North 41 degrees 15' 40" East 219.69 feet to the Southwesterly right of way line of Lakeside Drive and the Northeasterly line of Lot 5; thence North 36 degrees 57' 00" West 87.37 feet along the Northeasterly line of Lot 5 and the Southwesterly right of way line of Lakeside Drive to the Point of Beginning. And including a portion of Lot 5, Block 2 of said plat of Echo Point, described as follows: Beginning at the most Northerly corner of said Lot 5; thence South 28 degrees 51' 48" West 157.43 feet along the Northwesterly line of Lot 5 to the Northeasterly right of way line of Lakeside Drive and the Southwesterly line of Lot 5; thence South 37 degrees 01' 50" feet 83.53 feet along said right of way line and the Southwesterly line of Lot 5, thence North 30 degrees 03' 57" East 155.38 feet to the Northeasterly line of Lot 5; thence North 36 degrees 39' 17" West 87.36 feet along the Northeasterly line of Lot 5 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# 7314.01744) 1002.239946-File No. Legal 7855 January 29, 2013 February 5, 12, 19, 2013

CASE NO. CV13-486 NOTICE OF HEARING ON NAME CHANGE (Minor) IN THE DISTRICT COURT FOR THE FIRST JUDICIAL DISTRICT FOR THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI IN RE: CONNOR JAMESON THOMAS MUNCY-STRUCK A petition to change the name of CONNER JAMESON THOMAS MUNCY-STRUCK, born July 18, 2005 in Redding. California, residing at 912 N. C Street, Coeur d' Alene, Idaho 83814-2223, has been filed in Kootenai County District Court, Idaho. The name will change to CONNER JAMESON MITCHELL, because it is in his best interest to match his mother's last name since she has sole custody of him and his father has not spoken to him in over six years, paperwork completion will be easier for him if his name matches his mother's name, and his mother is changing her last name to Mitchell simultaneously. The child's father is living. The child's mother is living. A hearing on the petition is scheduled for 10:30 o' clock a.m. on March 25, 2013, at the County Courthouse. Objections may be filed by any person who can show the court a good reason against the name changes. Date: January 24, 2013 CLIFFORD T. HAYES /s/ Deputy Clerk Legal 7868 January 29, 2013 February 5, 12, 19, 2013

CASE NO. CV13-487 NOTICE OF HEARING ON NAME CHANGE (Minor) IN THE DISTRICT COURT FOR THE FIRST JUDICIAL DISTRICT FOR THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI IN RE: THE NAME CHANGE OF MARISSA KAY STRUCK A petition to change the name of MARISSA KAY STRUCK, born June 1, 1989 in Fremont, California, residing at 912 N. C Street, Coeur d' Alene, Idaho 83814-2223, has been filed in Kootenai County District Court, Idaho. The name will change to MARISSA K. MITCHELL, because she would like to have the same last name as her life partner. Her father and her mother are living. A hearing on the petition is scheduled for 10:30 o' clock a.m. on March 25, 2013, at the County Courthouse. Objections may be filed by any person who can show the court a good reason against the name changes. Date: January 24, 2013. CLIFFORD T. HAYES /s/ By: Deputy Clerk Legal 7869 January 29, 2013 February 5, 12, 19, 2013

NOTICE OF TRUSTEE'S SALE On Wednesday, the 15th day of May, 2013, at the hour of 10:00 o'clock a.m. of said day at Alliance Title & Escrow, 1270 Northwood Center Ct., Coeur d'Alene, in the County of Kootenai, State of Idaho, Ryan M. Fawcett, 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 9, BLOCK 5, FAIRWAY MEADOWS, KOOTENAI COUNTY, STATE OF IDAHO, ACCORDING TO THE PLAT RECORDED IN BOOK "G" OF PLATS, PAGES 212, 212A, 212B AND 212C. The Successor 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 Successor Trustee has been informed that the street address of 2023 W. Daly Dr., Coeur d'Alene, Idaho, 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 GLENN E. MEACHAM and TANI C. MEACHAM, Husband and Wife, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of MOUNTAIN WEST SAVINGS BANK, F.S.B., recorded July 28, 1998, as Instrument No. 1547824, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on July 29, 1998, as Instrument No. 1547929, Mortgage records of Kootenai County, Idaho. THE ABOVE GRANTOR IS 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 when due, monthly installment payments under the Deed of Trust Note dated July 22, 1998, in the amount of $692.00 each, for the months of July through December, 2012, inclusive; and for each and every month thereafter until date of sale or reimbursement. All delinquent payments are now due, plus accumulated late charges, plus any costs or expenses associated with this foreclosure. The accrued interest is at the rate of 6.43% per annum from June 1, 2012. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $65,957.73, plus accrued interest at the rate of 6.43% per annum from June 1, 2012. DATED This 14th day of January, 2013. RYAN M. FAWCETT, a Member of the Idaho State Bar, SUCCESSOR TRUSTEE Legal 7871 January 29, 2013 February 5, 12, 19, 2013

NOTICE OF TRUSTEE'S SALE On Tuesday, the 14th day of May, 2013, at the hour of 10:00 o'clock a.m. of said day at Alliance Title & Escrow, 1270 Northwood Center Ct., Coeur d'Alene, in the County of Kootenai, State of Idaho, Ryan M. Fawcett, 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: UNIT 202, BUILDING 3, PROMENADE CONDOMINIUMS, ACCORDING TO THE PLAT RECORDED IN BOOK "J" OF PLATS AT PAGES 472 THROUGH 472K, RECORDS OF KOOTENAI COUNTY, IDAHO. TOGETHER WITH AN UNDIVIDED INTEREST IN THE COMMON AREA AS SET FORTH IN CONDOMINIUM DECLARATION RECORDED MARCH 28, 2007 AS INSTRUMENT NO. 2090779000. The Successor 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 Successor Trustee has been informed that the street address of 352 N. Promenade Loop, Unit #C202, Post Falls, Idaho, 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 JOSEPH P. GHRAMM, a Married Man, as his sole & separate property, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of FIRST HORIZON HOME LOANS A DIVISION OF FIRST TENNESSEE BANK N.A., recorded June 18, 2007, as Instrument No. 2105701000, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on August 30, 2007, as Instrument No. 2118944000, Mortgage records of Kootenai County, Idaho. THE ABOVE GRANTOR IS NAMED TO COMPLY WITH SECTION 45 -1506 (4)(a), IDAHO CODE. NO REPRESENTATION IS MADE THAT HE IS, OR IS NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION. The default for which this sale is to be made is (1) the failure to pay when due, monthly installment payments under the Deed of Trust Note dated June 15, 2007, in the amount of $952.00 each, for the months of July through December, 2012, inclusive; and for each and every month thereafter until date of sale or reimbursement; and (2) the failure to occupy the premises as required by the Addendum to the Deed of Trust. All delinquent payments are now due, plus accumulated late charges, plus any costs or expenses associated with this foreclosure. The accrued interest is at the rate of 5.45% per annum from June 1, 2012. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $129,661.31, plus accrued interest at the rate of 5.45% per annum from June 1, 2012. DATED This 11th day of January, 2013. RYAN M. FAWCETT, Member of the Idaho State Bar, SUCCESSOR TRUSTEE Legal 7873 January 29, 2013 February 5, 12, 19, 2013

NOTICE OF TRUSTEE'S SALE On Thursday, the 16th day of May, 2013, at the hour of 10:00 o'clock a.m. of said day at Alliance Title & Escrow, 1270 Northwood Center Ct., Coeur d'Alene, in the County of Kootenai, State of Idaho, Ryan M. Fawcett, 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 12 IN BLOCK 7 OF DEERFIELD, ACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK G OF PLATS AT PAGE(S) 376 OFFICIAL RECORDS OF KOOTENAI COUNTY, IDAHO. The Successor 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 Successor Trustee has been informed that the street address of 6620 W. Kamloops Dr., Rathdrum, Idaho, 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 RUSSELL B. WARD, an Unmarried Man, and NAOMI M. DAVIS, an Unmarried Woman, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of COUNTRYWIDE HOME LOANS, INC., recorded October 13, 2006, as Instrument No. 2061014000, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on October 13, 2006, as Instrument No. 2061015000, Mortgage records of Kootenai County, Idaho. THE ABOVE GRANTOR IS 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 (1) the failure to pay when due, monthly installment payments under the Deed of Trust Note dated October 12, 2006, in the amount of $1,049.00 each, for the months of July through December, 2012, inclusive; and for each and every month thereafter until date of sale or reimbursement; and (2) the failure to occupy the premises as required by the Addendum to the Deed of Trust. All delinquent payments are now due, plus accumulated late charges, plus any costs or expenses associated with this foreclosure. The accrued interest is at the rate of 5.66% per annum from June 1, 2012. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $138,439.23, plus accrued interest at the rate of 5.66% per annum from June 1, 2012. DATED This 15th day of January, 2013. RYAN M. FAWCETT, Member of the Idaho State Bar, SUCCESSOR TRUSTEE Legal 7874 January 29, 2013 February 5, 12, 19, 2013