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Legals September. 3, 2010
Ref: Fulkerson, Travis N and Kasey J, 488.1016781 NOTICE: AS THE RESULT OF AN ORDER ENTERED IN A BANKRUPTCY PROCEEDING, TRAVIS N FULKERSON AND KASEY J FULKERSON MAY NOT BE PERSONALLY LIABLE FOR THE UNPAID BALANCE OF THE BELOW REFERENCED LOAN. HOWEVER, THE BENEFICIARY RETAINS A DEED OF TRUST DESCRIBED BELOW WHICH IS SUBJECT TO FORECLOSURE IN ACCORDANCE WITH THE LAWS OF THE STATE OF IDAHO. AS OF THE DATE OF THIS NOTICE/LETTER, THE BALANCE TO PAY OFF THE DEED OF TRUST IS $242,748.79. INTEREST FEES AND COSTS WILL CONTINUE TO ACCRUE AFTER THE DATE OF THIS NOTICE/LETTER. UNLESS YOU DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECEIVING NOTICE OF THIS DOCUMENT, THIS OFFICE WILL ASSUME THE DEBT TO BE VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN THE 30-DAY PERIOD THAT THE DEBT OR ANY PORTION THEREOF IS DISPUTED, VERIFICATION OF THE DEBT WILL BE OBTAINED AND WILL BE MAILED TO YOU. UPON WRITTEN REQUEST WITHIN 30 DAYS, THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR, WILL BE PROVIDED. NOTICE: IF YOU ARE NOT PERSONALLY LIABLE TO PAY THIS OBLIGATION BY REASON OF A BANKRUPTCY PROCEEDING, THEN THIS NOTICE IS NOT AN ATTEMPT TO COLLECT A DEBT BUT IS INTENDED ONLY TO RELAY INFORMATION REGARDING YOUR DEED OF TRUST. NOTICE: IF YOU ARE PERSONALLY LIABLE TO PAY THIS OBLIGATION, WE WISH TO INFORM YOU THAT WE AREA DEBT COLLECTOR. ANY INFORMATION YOU PROVIDE TO US WILL BE USED FOR THE PURPOSES OF FORECLOSING THE DEED OF TRUST MENTIONED BELOW. NOTICE OF TRUSTEE'S SALE On November 3, 2010 at the hour of 10:00am of said day, (recognized local time), on the front steps of the Kootenai County Courthouse, 324 West Garden Avenue, City of Coeur d'Alene located in Kootenai County, State of Idaho. William L. Bishop, Jr., as successor trustee, will sell at public auction to the highest bidder, payable, for certified funds, or the equivalent, which is lawful money of the United States of America, all payable at the time of sale in compliance with Section 45-1506(9) Idaho Code, the following described real property, situated in Kootenai County, State of Idaho, and described as follows, to-wit; Lot 3, Block 14 Northshire Addition, according to the plat recorded in Book E of Plats, Page 199, 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 according to the County Assessors office, the address of 4009 W Spiers Ace, Coeur d'Alene, 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 Travis N Fulkerson and Kasey J Fulkerson, husband and wife, as grantors to William L. Bishop, Jr., as successor trustee, for the benefit and security of US Bank National Association ND, recorded December 27, 2006, as Instrument No. 2074402000 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 THE OBLIGATION. The default(s) for which this sale is to be made is the failure to pay when due, under the Deed of Trust note, the following The monthly payments for Principal and Interest Due from 7/1/2009 through 6/1/2010: and all subsequent payments until the date of sale or reinstatement 12 payment(s) at $1375.07 These payments will include interest at an adjustable rate. The current rate is 6.8% Total: $16,500.84 With Monthly Late Charges accruing: 12 late charge(s) at $62.60 for each monthly payment not made within 15 days of its due date Total Late Charges $751.20 Accrued Late Charges $187.80 Property Inspections $95.00 NSF Fees $60.00 Previous Foreclosure Fees and Costs $1,864.87 Previous Bankruptcy Fees and Costs $700.00 Total Default: $20,159.71 The sum owing as of this date on the obligation secured by the said Deed of Trust consists of the principal balance of $220,937.38, together with any advances plus foreclosure fees and costs. 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. DATED: July 1, 2010 TRUSTEE By:_________________________ William L. Bishop, Jr., Attorney at Law 720 Olive Way, Suite 1301 Seattle, WA 98101 (206) 622-7527 Legal 0508 August 13, 20, 27, 2010 September 3, 2010
Legals August. 11, 2010
NOTICE OF HEARING FOR NAME CHANGE IN THE DISTRICT COURT FOR THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO AND IN FOR THE COUNTY OF KOOTENAI CASE NO CV 10-6039 Petition by Tyler Dean Booth born 11-21-93 in Coeur d'Alene State of Idaho now residing at 2087 E. Glacier Rd., Hayden, proposing a change in name to Tyler James Booth has been filed in the above entitled court, the reason for this change is name being he wants to have his father's middle name. The petitioner's father is living. This petition will be heard at 9:30 o'clock a.m. on 8-24-10, at the Kootenai County Courthouse. Objections may be filed by any person who can, in such objections, show to the court a good reason against the change of name. WITNESS my hand and seal of said District Court this 16 day of July , 2010 DANIEL J. ENGLISH By________________________ Clerk Legal 0261 July 21, 28, 2010 August 4, 11, 2010
Legals May 8, 2013
Notice of Trustee's Sale Idaho Code 45-1506 Today's date: April 5, 2013 File No.: 7021.15576 Sale date and time (local time): August 7, 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: 1423 E Homestead Avenue 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: Mary Jo Ketcham, an unmarried person Original trustee: Kootenai County Title Company Original beneficiary: Mountain West Bank Recording date: 09/06/2002 Recorder's instrument number: 1750980 County: Kootenai Sum owing on the obligation: as of April 5, 2013: $64,603.99 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 8, Block 2, Baker & Lovlyn Second Addition, according to the plat recorded in the office of the county recorder in Book F of Plats at Page 68, 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# 7021.15576) 1002.246405-File No. Legal 8235 April 17, 24, 2013 May 1, 8, 2013
Legals April 1, 2013
Notice of Trustee's Sale Idaho Code 45-1506 Today's date: March 1, 2013 File No.: 7037.90698 Sale date and time (local time): July 1, 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: 456 N Silkwood Dr 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: Mary M. Elsom, a single woman Original trustee: Title Fact, Inc. Original beneficiary: JPMorgan Chase Bank, N.A. Recording date: 12/07/2005 Recorder's instrument number: 1999738 County: Kootenai Sum owing on the obligation: as of March 1, 2013: $146,707.10 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 11, Block 2, Woodbridge First Addition, according to the plat recorded in the office of the County Recorder in Book I of Plats at Page 442, 442A, and 442B, 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# 7037.90698) 1002.243354-File No. Legal 8042 March 11, 18, 25, 2013 April 1, 2013
Legals December 31, 2012
Notice of Trustee's Sale Idaho Code 45-1506 Today's date: November 28, 2012 File No.: 7021.12432 Sale date and time (local time): April 2, 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: 26993 N Harrier Ln Athol, ID 83801 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: Rachel Miller, and Billy E. Miller Jr., wife and husband Original trustee: Alliance Title and Escrow Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Countrywide Home Loans, Inc. Recording date: 04/02/2007 Recorder's instrument number: 2091622000 County: Kootenai Sum owing on the obligation: as of November 28, 2012: $394,498.95 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: Lot 4 in Block 1 of Caliber Ranch III, according to the official plat thereof, filed in Book J of Plats at Page(s) 8 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# 7021.12432) 1002.234920-File No. Legal 7607 December 10, 17, 24, 31, 2012
Legals June 3, 2016
T.S. No. 041075-ID Parcel No.: C65250120090 NOTICE OF TRUSTEE'S SALE On 9/20/2016 at 10:00 AM (recognized local time), at the VETERAN'S MEMORIAL PLAZA NORTH ENTRANCE ADMIN BUILDING 451 N GOVERNMENT WAY, COUER D'ALENE, ID 83815, in the County of Kootenai, SYDNEY K. LEAVITT, ESQ., a member of the State Bar of Idaho, of ALDRIDGE PITE, LLP 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 described real property, situated in the County of Kootenai, State of Idaho, and described as follows, to wit: LOT 9, BLOCK 12, NORTHSHIRE, ACCORDING TO THE PLAT RECORDED IN BOOK "E" OF PLATS AT PAGE 199, ET SEQ., 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 Idaho Code Section 60-113, the Trustee has been informed that the address of: 4215 NORTH CANTERBURY ROAD, COEUR D'ALENE, ID 83815, is commonly associated with said real property. 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 RICHARD E. BUCEY AND RALPHEA L. BUCEY, CO-TRUSTEES OF THE BUCEY FAMILY REVOCABLE LIVING TRUST, as Grantor(s), to LAWYERS TITLE OF KOOTENAI, as Trustee, for the benefit and security of FINANCIAL FREEDOM SENIOR FUNDING CORPORATION, A SUBSIDIARY OF INDY MAC BANK, F.S.B., as Beneficiary, dated 5/17/2006, recorded 5/22/2006, as Instrument No. 2032556000, official records of Kootenai County, Idaho. Please note: The above named Grantors are named to comply with Idaho Code Section 45-1506(4)(a); no representation is made that they are, or are not, presently responsible for the obligation. The default for which this sale is to be made is the failure to pay the principal balance which became all due and payable upon the move-out of all mortgagors from the property, ceasing to use the property as the principal residence, including principal, interest, impounds, advances, plus any charges lawfully due under the note secured by the aforementioned Deed of Trust, Deed of Trust and as allowed under Idaho Law. The sum owing on the obligation secured by said Deed of Trust as of 5/9/2016 is $171,531.07 including interest, costs, fees, including trustee and/or attorney fees and costs, and expenses actually incurred in enforcing the obligation thereunder or in this sale and to protect the security associated with the Deed of Trust, as authorized in the Note, Deed of Trust or as allowed under Idaho Law. Because interest, late charges, fees, costs and expenses continue to accrue, the total amount due varies from day to day. Hence, if you pay the amount shown above, an adjustment may be necessary after receipt of funds to satisfy the debt. For further information, write the Trustee at 4375 Jutland Drive, Ste. 200, San Diego, CA 92117, or call (866)931-0036 DATED: 5/9/16 SYDNEY K. LEAVITT, ESQ., a member of the State Bar of Idaho, of ALDRIDGE PITE, LLP LEGAL 5602 MAY 27, 2016 JUNE 3, 10, 17, 2016
Legals December 2, 2013
NOTICE: WE ARE A DEBT COLLECTOR. TIHS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR PURPOSES OF DEBT COLLECTION. NOTICE OF TRUSTEE'S SALE On 1/29/2014 at the hour of 10:00am of said day, (recognized local time), on the front steps of the Kootenai County Courthouse, 324 West Garden Avenue, City of Coeur d'Alene located in Kootenai County, State of Idaho. William L. Bishop, Jr., as successor trustee, will sell at public aution to the highest bidder, payable, for certified funds, or the equivalent, which is lawful money of the United States of America, all payable at the time of sale in compliance with Section 45-1506(9) Idaho Code, the following described real property, situated in Kootenai County, State of Idaho, and described as follows, to-wit; LOT 5, BLOCK 5, HIGHLAND PARK ESTATES SECOND ADDITION, ACCORDING TO THE PLAT RECORDED IN THE OFFICE OF THE COUNTY RECORDER IN BOOK "F", AT PAGES 376 AND 376A, KOOTENAI COUNTY, STATE OF 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 according to the County Assessor's office, the address of 708 N Dundee Dr, Post Falls, ID 83854 is sometimes associated with said real property.\u2020 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 Esther Morales, An Unmarried Person, as grantors to North Idaho Title, as trustee, for the benefit and security of JPMorgan Chase Bank, National Association, successor in interest by purchase from the Federal Deposit Insurance Corperation, as Receiver of Washingtion Mutual Bank, FA, as beneficiary, recorded June 29, 2007, as Instrument No. 2108069000 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 THE OBLIGATION.\u2020 The default(s) for which this sale is to be made is the failure to pay when due, under the Deed of Trust note, the following The monthly payments for Principal and Interest Due from 6/1/2010 through 9/1/2013: and all subsequeny payments until the sate of sale or reinstatement These payments include interest at an adjustable rate. The current rate is 6.65%. Total: \u2020 $88,400.20 Other Fees \u2020$43.40 Recoverable Balance \u2020$2,063.00 Sub-Total \u2020$90,506.60 Less Suspense \u2020($1,301.03) TOTAL DEFAULT\u2020 \u2020 $89,205.57 The sum owing on the obligation secured by the said trust deed consists of the principal balance of $319,952.47, together with any advances plus foreclosure fees and costs. 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, fees, attorney's fees, and any amounts advanced to protect the security associated with this foreclosure. DATED: September 24, 2013 TRUSTEE By:\u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 \u2020 William L. Bishop, Jr., Attorney at Law 720 Olive Way, Suite 1201 Seattle, WA 98101 (206)622-7527 LEGAL 9388 November 11, 18, 25, 2013 December 2, 2013
Lyons resigns as North Idaho College attorney
After 23 years of service, Marc Lyons has resigned as the attorney for North Idaho College. Lyons tendered his resignation Friday, effective when accepted by NIC President Nick Swayne and the board of trustees.
CDA school board application deadline looms
Those interested in serving as a Coeur d’Alene School Board Trustee for Zone 3 must get their applications in pronto as the deadline is noon on Thursday. Following the declared vacancy for the zone after the resignation of former Trustee Tambra Pickford, the board must appoint a person to serve the remainder of the term through December 2023 according to Idaho Code.
Legals August 26, 2011
NOTICE OF TRUSTEE'S SALE Trustee's Sale No. 02-FMB-110855-106763 NOTICE IS HEREBY GIVEN that, ALLIANCE TITLE & ESCROW CORP., the duly appointed Successor Trustee, will on November 18, 2011, at the hour of 10:00 AM, of said day, FRONT ENTRANCE OF THE KOOTENAI COUNTY COURTHOUSE, 324 WEST GARDEN AVENUE, COEUR D'ALENE, ID, 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 and personal property (hereafter referred to collectively as the "Property"), situated in the County of KOOTENAI, State of Idaho, to-wit: Parcel 1: A part of the Northwest Quarter of the Southeast Quarter of Section 18, Township 50 North, Range 3 West, Boise Meridian, Kootenai County, State of Idaho, described as follows: Commencing at the Northeast corner of the Northwest Quarter of the Southeast Quarter of said Section 18; Thence South 0 degrees 01' East, 401.50 feet to an iron pipe; Thence South 89 degrees 57' West, 290.00 feet to an iron pipe being the Northeast corner of the Palmer Tract, and the True Point of Beginning for this description; Thence South 0 degrees 28' East, 100 feet along the East line of the Palmer Tract, to the Southeast corner thereof; Thence East along the North line of the Campbell Tract, 90 feet; Thence North 100 feet to the South line of the Larson Tract; Thence South 89 degrees 57' West, 90 feet to the Point of Beginning. Less County Road. Parcel 2: Beginning at the Northeast corner of the Northwest Quarter of the Southeast Quarter of Section 18, Township 50 North, Range 3 West, Boise Meridian, Kootenai County, Idaho; Thence South 501.5 feet; Thence West 200 feet to the True Point of Beginning; Thence South 342.5 feet; Thence West 100 feet; Thence North 342.5 feet; Thence East 100 feet to the True Point of Beginning. Less County Road. . The Trustee has no knowledge of a more particular description of the above-referenced Property but, for purposes of compliance with Section 60-113 of Idaho Code, the Trustee has been informed that the address of 2735 EAST FERNAN HILL ROAD , COEUR D ALENE, ID 83814, 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 STEVEN B MEYER AND SANAE MEYER, HUSBAND AND WIFE, as Grantor, to LAKE CITY TITLE, as Trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR GOLF SAVINGS BANK, A WASHINGTON STOCK SAVINGS BANK, as Beneficiary, dated 5/17/2007, recorded 5/21/2007, under Instrument No. 2100803000, Mortgage records of KOOTENAI County, IDAHO, the beneficial interest in which is presently held by ONEWEST BANK, FSB. 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 is sale is made is the failure to pay when due under the Deed of Trust Note dated 5/17/2007, THE MONTHLY PAYMENT WHICH BECAME DUE ON 11/1/2009 AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. Amount due as of July 14, 2011 Delinquent Payments from November 01, 2009 21 payments at $2,342.94 each $49,201.74 (11-01-09 through 07-14-11) Late Charges: $1,757.29 Beneficiary Advances: $7,379.40 Suspense Credit: $0.00 TOTAL: $58,338.43 AN delinquencies are now due, together with unpaid and accruing taxes, assessments, trustee's fees, attorney's fees, costs and advances made to protect the security associated with this foreclosure. The principal balance is $310,500.00, together with interest thereon at 7.990% per annum from 10/1/2009 to 8/1/2011, 7.990% per annum from 8/1/2011, until paid. The Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the same. DATED: 7/14/2011. ALLIANCE TITLE & ESCROW CORP. Trustee By-- c/o REGIONAL TRUSTEE SERVICES CORPORATION 616 1st Avenue, Suite 500 Seattle, WA 98104 Phone: (206) 340-2550 Sale Information: http://www.rtrustee.com ASAP# FNMA4049253 LEGAL 3374 August 5, 12, 19, 26, 2011
Legals March 7, 2011
NOTICE OF TRUSTEE'S SALE On Thursday, the 2nd day of June, 2011, 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 14, BLOCK 3, PRAIRIE ESTATES TO RATHDRUM, ACCORDING TO THE PLAT RECORDED IN THE OFFICE OF THE COUNTY RECORDER IN BOOK G OF PLATS AT PAGE 149, 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 8231 W. Oregon St., 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 JASON L. MOSER and JAMIE L. MOSER, Husband and Wife, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of MOUNTAIN WEST BANK, recorded August 10, 2007, as Instrument No. 2115779000, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on October 15, 2007, as Instrument No. 2126718000, 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, August 10, 2007, in the amount of $1,225.00 each, for the months of July, 2010, through January, 2011, 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 6.10% per annum from June 1, 2010. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $167,177.65, plus accrued interest at the rate of 6.10% per annum from June 1, 2010. DATED This 1st day of February, 2011. RYAN M. FAWCETT, a Member of the Idaho State Bar, SUCCESSOR TRUSTEE Legal 2042 February 14, 21, 28, 2011 March 7, 2011
Legals October 15, 2011
NOTICE OF TRUSTEE'S SALE On Tuesday, the 17th day of January, 2012, 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 1, BLOCK S, LAKEVIEW ADDITION TO THE TOWN OF SPIRIT LAKE, ACCORDING TO THE PLAT THEREOF RECORDED IN BOOK "C" OF PLATS ON PAGE 46, RECORDS OF KOOTENAI COUNTY, STATE OF IDAHO; ALSO, THE SOUTH 50 FEET OF LOTS 4, 5 AND 6 OF BLOCK 7 OF THE PLAT OF THE TOWN OF SPIRIT LAKE, ACCORDING TO THE PLAT RECORDED IN BOOK "B" OF PLATS ON PAGE 143, 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 31970 N. 9th Ave., Spirit Lake, 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 LORI L. THOMPSON, an Unmarried Person, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of MOUNTAIN WEST BANK, recorded January 27, 2006, as Instrument No. 2010410, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on April 11, 2006, as Instrument No. 2024662000, 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, January 25, 2006, in the amount of $369.00 each, for the months of March through August, 2011, 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 5.25% per annum from February 1, 2011. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $24,741.90, plus accrued interest at the rate of 5.25% per annum from February 1, 2011. DATED This 16th day of September, 2011. RYAN M. FAWCETT, a Member of the Idaho State Bar, SUCCESSOR TRUSTEE Legal 3851 September 24, 2011 October 1, 8, 15, 2011
Legals February 2, 2011
313-10 NOTICE OF TRUSTEE'S SALE At 10:00 o'clock A.M. (recognized local time) on May 10, 2011, in the Office of First American Title Company, located at, 1866 North Lakewood Dr., Coeur d'Alene, Idaho, First American Title Company 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 Kootenai County, Idaho, and described as follows, to-wit: Lot 4, Block 7, RIVER VIEW PARK ADDITION, according to the plat recorded in Book "D" of Plats at Page 161, records of Kootenai County. Information concerning the foreclosure action may be obtained from the Trustee, whose telephone number is (208) 785-2515. According to the Trustee's records, the street address of 1607 East 3rd Avenue, Post Falls, Idaho 83854 is sometimes associated with said property. 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 Real Estate Deed of Trust for Idaho executed by, Darryl A. Jones and Joy O. Jones, husband and wife, as Grantor(s), First American Title Insurance Company, as Trustee, for the benefit and security of, the United States of America, acting through the Farmers Home Administration, United States Department of Agriculture, as Beneficiary; said Real Estate Deed of Trust for Idaho was recorded November 01, 1994 as Kootenai County Recorder's Instrument No. 1376230, Re-Recorded December 13, 1994, as Instrument No. 1381320. The default for which this sale is to be made is as follows:1) Failure to make the monthly payment of $558.00 due for the 1st day of May, 2009 and a like sum of $558.00 due for the 1st day of each and every month thereafter; 2) Failure to comply with paragraph 7 of said Deed of Trust to pay when due all taxes, liens.... lawfully attaching to or assessed against the property. Specifically 1st 1/2 2010 taxes are delinquent; The above Grantor(s) 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. As of December 8, 2010 there is due and owing on the loan an unpaid principal balance of $67,041.54, accrued interest in the amount of $9,051.57, subsidy granted in the amount of $48,290.66 and Fees currently assessed in the amount of $1,978.47 for a total amount due of $126,362.24. Interest continues to accrue on the Note at the rate of 8.00% per annum with a per diem rate of $15.0078 after December 8, 2010. All delinquencies are now due together with any late charges, advances to protect the security, and fees and costs associated with this foreclosure. The Beneficiary elects to sell or cause said property to be sold to satisfy said obligation. DATED January 4, 2011 FIRST AMERICAN TITLE COMPANY, INC., SUCCESSOR TRUSTEE By: Dalia Martinez, Trust Officer Legal 1769 January 12, 19, 26, 2010 February 2, 2011
NIC trustees examine governance problems
North Idaho College trustees examined how behavior at public meetings has contributed to the governance problems at the center the show-cause sanction issued by its accreditor.
Legals August 18, 2012
NOTICE OF TRUSTEE'S SALE Loan No.: 0114292808 T.S. No.: 11-01096-6 On November 26, 2012 11:00 AM, in the lobby of Pioneer Title Company of Kootenai County located at 100 Wallace Avenue, Coeur d'Alene in the County of Kootenai, State of Idaho, Fidelity National Title Insurance Company, as Trustee, on behalf of Wells Fargo Bank, NA, the current Beneficiary, will sell at public auction, to the highest bidder, 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: 4. The land referred to in this Guarantee is situated in the State of Idaho, County of Kootenai and is described as follows: The North Half of Tract 187, D ALTON GARDENS ADDITION TO HAYDEN LAKE IRRIGATED TRACTS, according to the plat in the office of the County Recorder in Book "B" of Plats, Page 151, records of Kootenai County, Idaho. ALSO the North Half of the 40 foot vacated street adjoining Tract 187 on the West, more particularly describe as follows: BEGINNING at the Northwest corner of said Tract 187; thence West along the extended North line of Tract 187, a distance of 40 feet to a point on the North-South centerline of Section 25, Township 51 North, Range 4 West, Boise Meridian; thence South 122.6 feet to a point; thence East 40 feet to a point on the West boundary of Tract 187; thence North along the West line 122.6 feet to the POINT OF BEGINNING. NOTE: The address of the subject property is described as follows: 7176 N. 4th Street, Dalton Gardens, ID 83815 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: 7176 N. 4TH STREET, DALTON GARDENS, ID, is sometimes associated with said real property. Said sale will be made without covenant or warranty regarding title, possession or encumbrance to satisfy the obligation secured by and pursuant to the power of sale conferred in the Deed of Trust executed by PAUL S. HERNANDEZ, A SINGLE PERSON, as original grantor(s), to PIONEER TITLE COMPANY OF KOOTENAI COUNTY, as original trustee, for the benefit and security of Wells Fargo Bank, NA, as original beneficiary, dated as of November 19, 2009, and recorded November 23, 2009, as Instrument No. 2242203000 in the Official Records of the Office of the Recorder of Kootenai County, Idaho. Please Note: The above grantor(s) 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 current beneficiary is: Wells Fargo Bank, NA, (the "Beneficiary"). Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining unpaid balance of the obligations secured by and pursuant to the power of sale contained in that certain Deed of Trust. In addition to cash, the Trustee will accept a 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 specified in the Idaho Financial Code and authorized to do business in Idaho, or other such funds as may be acceptable to the trustee. The default(s) for which this sale is to be made under Deed of Trust and Note dated November 19, 2009 are: Failed to pay the monthly payments of $1,002.85 due from November 1, 2010, together with all subsequent payments; together with late charges due; together with other fees and expenses incurred by the Beneficiary; The principal balance owing as of this date on the obligation secured by said Deed of Trust is $151,468.18, plus accrued interest at the rate of 5.50000% per annum from October 1, 2010. 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. Dated: July 24, 2012 Fidelity National Title Insurance Company, Trustee 1920 Main Street, Suite 1120, Irvine, CA 92614 949-252-4900 Michael Busby, Authorized Signature SALE INFORMATION CAN BE OBTAINED ON LINE AT www.lpsasap.com FOR AUTOMATED SALES INFORMATION please call 714-730-2727 A-4277476 07/28/2012, 08/04/2012, 08/11/2012, 08/18/2012 Legal 5881 July 28, 2012 August 4, 11, 18, 2012
Legals August 26, 2014
Notice of Trustee's Sale Idaho Code 45-1506 Today's date: July 21, 2014 File No.: 7042.14139 Sale date and time (local time): November 24, 2014 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: 1724 West Grange Avenue 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: Scott J Dawson and Barbara A Dawson, husband and wife Original trustee: Pioneer Title Company of Kootenai County Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for Idaho Independent Bank Recording date: 12/18/2007 Recorder's instrument number: 2136723000 County: Kootenai Sum owing on the obligation: as of July 21, 2014: $391,116.78 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 8, Block 5, the Meadows First Addition, according to the plat recorded in Book "I" of Plats at Page 497, 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# 7042.14139) 1002.270983-File No. LEGAL 1269 AUGUST 5, 12, 19, 26, 2014
Legals November 5, 2015
NOTICE OF TRUSTEE'S SALE On February 5, 2016, 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 12, Block 2, Lakeview Addition to Spirit Lake, according to the plat recorded in the office of the County Recorder in Book "C" of Plats at page 9, 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 purposes of compliance with Section 60-113 Idaho Code, the Trustee has been informed the address of 31715 N. 10th Ave., fka 724 S. 10th 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 Larry G. Thomson, a single man, as Grantor(s) with Coeur d'Alene Mortgage, Inc. as the Beneficiary, under the Deed of Trust recorded April 6, 1994, as Instrument No. 1348802, in the records of Kootenai County, Idaho. The Beneficial interest of said Deed of Trust was subsequently assigned to MidFirst Bank, a Federally Chartered Savings Association, recorded September 29, 2015, as Instrument No. 2517253000, 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 $488.92 for the months of April 2015 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 $29,750.84 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 8.0% from March 1, 2015, 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 7th day of October, 2015. Tammie Harris Trust Officer for Just Law, Inc. LEGAL 4456 OCTOBER 15, 22, 29, 2015 NOVEMBER 5, 2015
Legals December 17, 2012
Notice of Trustee's Sale Idaho Code 45-1506 Today's date: November 14, 2012 File No.: 7301.27206 Sale date and time (local time): March 15, 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: 1577 W Kidd Island Road 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: Paul J. Loutzenhiser and Aaron L. Loutzenhiser, husband and wife Original trustee: First American Title Insurance Co. Original beneficiary: ABN AMRO Mortgage Group, Inc. Recording date: 12/31/2007 Recorder's instrument number: 2138434000 County: Kootenai Sum owing on the obligation: as of November 14, 2012: $274,629.23 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 10, Kidd Island Bay Lots First Addition, according to the Plat recorded in the office of the County Recorder in Book "D" of Plats at Page 138, records of Kootenai County, Idaho. Together with a 1/61 interest in and to a parcel of land laying between Kidd Island Bay Lots and Lake Coeur d'Alene bounded on the North by the extended North line of Lot 1 of Kidd Island Bay Lots and bounded on the South by the extended South line of Lot 39 of Kidd Island Bay Lots as shown on the recorded Plat thereof in Book "D" of Plats at Page 127, records of Kootenai County, Idaho, and being a part of the Southwest Quarter of Section 35, Township 50 North, Range 4 West, Boise Meridian, 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# 7301.27206) 1002.192708-File No. Legal 7539 November 26, 2012 December 3, 10, 17, 2012
Legals August 12, 2013
CITY OF COEUR D'ALENE, KOOTENAI COUNTY NOTICE OF HEARING ON ASSESSMENT ROLL FOR LOCAL IMPROVEMENT DISTRICT NO. 150 NOTICE IS HEREBY GIVEN that on Tuesday, August 20, 2013, at 6:00 p.m., the City Council of City of Coeur d'Alene, Kootenai County, Idaho (the "Council") will conduct a hearing at the Coeur d'Alene City Library Community Room, located at 702 E. Front Ave., Coeur d'Alene, Idaho 83814, for the purpose of hearing and considering public comment on the assessment roll for Local Improvement District No. 150. The assessment roll, modifications, and clarifications thereto are on file in the office of the Clerk of the City of Coeur d'Alene, and are available for inspection by the public during regular office hours. At the hearing, the Council will hear and determine all objections to the regularity of the proceedings in making assessments, the correctness of assessments, and the amount levied on particular lots or parcels in relation to the benefits accruing thereon and in relation to the proper proportionate share of the total cost of the improvements. Each owner of property within Local Improvement District No. 150 is hereby further notified that in revising the assessment roll at or after the hearing, the Council may increase any assessment or assessments up to twenty percent (20%) of the original amount thereof without giving further notice and holding a new hearing. The owner or owners of any property assessed on the assessment roll, whether or not said owner is named on the assessment roll, may, on or before 5:00 p.m. on the date of said hearing, file with the Clerk, in writing, at the address below, objections to said assessment. Any objections not so filed, will be deemed waived. Mail to: City of Coeur d'Alene 710 E. Mullan Ave. Coeur d'Alene, ID 83814 Hand Deliver to: City of Coeur d'Alene 710 E. Mullan Ave. Coeur d'Alene, ID 83814 DATED this 17th day of July, 2013. CITY OF COEUR D'ALENE By: ______________/s/ City Clerk LEGAL 8908 July 29, 30, 31, 2013 August 12, 13, 14, 2013
Legals July. 31, 2010
Notice of Trustee's Sale Loan No. 0999337066 T.S. No. 201000297 - 33556 On 10/18/2010 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 located at 100 Wallace Avenue, Coeur D' Alene, ID 83814, Pioneer Lenders Trustee Services, LLC, 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: Lot 4, Block 4, Hayden Terrace, according to the plat recorded in the office of the County recorder in Book 'F' of Plats at Page 42, records of Kootenai County 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 10079 N. Hillview Drive, Hayden, 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 Richard E Gillen Sr. and Carolyn S. Gillen, husband and wife, as grantors, to Wells Fargo Financial National Bank, as Trustee, for the benefit and security of Wells Fargo Bank, N.A., as Beneficiary, dated 02/09/2006 and recorded on 03/02/2006, as Instrument No. 2016605, 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 02/09/2006. The monthly installments of principal, interest, and impounds (if applicable) of 491.38, due per month for the months of 11/15/2009 through 6/2/2010, and all subsequent installments 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 $71,498.25, plus accrued interest at the rate of 8.65% per annum from 10/15/2009. 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 1820 E. First Street, Suite 210, Santa Ana, CA 92705-4063 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: 6/7/10 Pioneer Lenders Trustee Services, LLC By: Kara Lansberry, Assistant Trustee Officer ASAP# 3610918 Legal 0161 July 10, 17, 24, 31, 2010