Legals December 7, 2013

SUMMONS FOR PUBLICATION Case No. CV 13-7704 IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI BANK OF AMERICA, N.A, Plaintiff, vs. HENRY L. COPSEY (Deceased) and the Unknown Heirs, Assigns and Devisees of Henry L. Copsey; JUDITH E. COPSEY; and Does 1-10 as individuals with an interest in the property legally described as: Lot 13, Block 2, Amended Plat Amberlee Park, according to the plat recorded in Book "F" of Plats, Page 74, Kootenai County, Idaho. Which may commonly be known as: 5885 E. Colin Dr., Athol, Idaho 83801. 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 FOLLOWING BELOW. TO: All Defendants 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. The nature of the claim against you is for, among other things, judicial foreclosure of the real property located at 5885 E. Colin Dr., Athol, Idaho 83801. A copy of the Summons and Complaint can be obtained by contacting either the Clerk of the Court or the attorney for Plaintiff. 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 Plaintiff's attorney, as designated above. To determine whether you must pay a filing fee with your response, contact the Clerk of the above-named Court. DATED This 4th day of November, 2013. CLERK OF THE DISTRICT COURT /s/ Deputy Clerk Legal 9696 November 16, 23, 30, 2013 December 7, 2013

NOTICE TO CREDITORS CASE NO. CV-2013-8202 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 GARY L. GETZ, Deceased. NOTICE IS HEREBY GIVEN that the undersigned has been appointed 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 (4) months after the date of the first publication of this Notice 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 25th day of November, 2013. /s/ Terry Guptill, Personal Representative Address: c/o Kenneth T. Jacobsen Attorney at Law P.O Box 1116 Coeur d' Alene, ID 83816 Legal 9816 December 7, 14, 21, 2013

NOTICE TO CREDITORS CASE NO. CV2012-7593 IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTRY OF KOOTENAI In the Matter of the Estate of ROCKLYN R. FULLER GETZ, DECEASED. NOTICE IS HEREBY GIVEN that the undersigned has been appointed Successor 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 (4) months after the date of the first publication of this Notice 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 25th day of November, 2013. /s/ Terry Guptill c/o Kenneth T. Jacobsen Attorney at Law P.O. Box 1116 Coeur d' Alene, ID 83816 Telephone: (208) 664-8258 Legal 9817 December 7, 14, 21, 2013

NOTICE TO CREDITORS Case No. CV13-8389 IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI MAGISTRATE DIVISION In the Matter of the Estate of RICHARD N. LYNCH Deceased. NOTICE IS HEREBY GIVEN that on November 26, 2013 GLORIA R. LYNCH was appointed 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 (4) months after the date of the publication of the notice or said claims will be forever barred. Claims must be presented to the undersigned at the address indicated, or filed with the Clerk of the Court. Dated this 4th of December 2013. /s/ SHIRLEY BADE, Attorney for the Estate of Richard N. Lynch Legal 9818 December 7, 14, 21, 2013

NOTICE OF TRUSTEE'S SALE Loan No.: 0069856201 T.S. No.: 11-02491-3C On March 17, 2014 11:00 AM, In the lobby of Pioneer Title Company of Kootenai County, 100 Wallace Avenue, Coeur d Alene, ID 83814 in the County of Kootenai, State of Idaho, Fidelity National Title Insurance Company, as Trustee, on behalf of US Bank National Association, as Trustee for Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2007-AR5, 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: LOT 7, BLOCK 3, PRAIRIE RIDGE SECOND ADDITION, ACCORDING TO THE PLAT RECORDED IN THE OFFICE OF THE COUNTY RECORDER IN BOOK " G" OF PLATS AT PAGE 464, RECORDS OF KOOTENAL 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: 680 N BELLFLOWER LANE, POST FALLS, 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 TIFFANY MOORE, A SINGLE PERSON, as original grantor(s), to PIONEER TITLE COMPANY, as original trustee, for the benefit and security of Wells Fargo Bank, N.A., as original beneficiary, dated as of October 27, 2006, and recorded October 30, 2006, as Instrument No. 2064185000 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: US Bank National Association, as Trustee for Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2007-AR5, (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 October 27, 2006 are: Failed to pay the monthly payments of $1,215.36 due from March 1, 2011, 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 $161,388.05, plus accrued interest at the rate of 2.87500% per annum from February 1, 2011. 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: November 8, 2013 Fidelity National Title Insurance Company, Trustee 11000 Olson Drive Ste 101, Rancho Cordova, CA 95670 916-636-0114 Megan Curtis, Authorized Signature SALE INFORMATION CAN BE OBTAINED ON LINE AT www.lpsasap.com FOR AUTOMATED SALES INFORMATION please call 714-730-2727 A-4428964 Legal 9756 November 30, 2013 December 7, 14, 21, 2013

NOTICE OF TRUSTEE'S SALE Loan No.: 0642653299 T.S. No.: 12-00829-3A On March 14, 2014 11:00 AM, In the lobby of Pioneer Title Company of Kootenai County, 100 Wallace Avenue, Coeur d Alene, ID 83814 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: A portion of the North Half of Section 24, Township 52 North, Range 4 West, Boise Meridian, Kootenai County, Idaho, more particularly described as follows: BEGINNING at the North Quarter corner of said Section 24; thence South 89 degrees 42'39" East, 488.28 feet, more or less, to the Northwest corner of the property deeded to Beverly J. Thienes on March 6, 1973 as Instrument No. 620097; thence South 1 degrees 45'55" East, a distance of 381 feet to a point; thence North 87 degrees 42'39" West, parallel to the North line of said section, a distance of 573 feet, more or less, to a point; thence North 0 degrees 40' 17" West, a distance of 380.5 feet to the North line of said section; thence South 87 degrees 42'39" East, 87.19 feet to the TRUE POINT OF BEGINNING. EXCEPTING THEREFROM all mineral rights and road right of way. ALSO EXCEPTING THEREFROM that portion lying within the property conveyed to Lakes Highway District on July 16, 1992 as Instrument No. 1266264. 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: 1826 E OHIO MATCH RD, RATHDRUM, 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 ROBERT C SPURR, AN UNMARRIED MAN, as original grantor(s), to ALLIANCE TITLE and ESCROW CORP , as original trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR GN MORTGAGE, LLC ITS SUCCESSORS AND OR ASSIGNS, as original beneficiary, dated as of February 10, 2006, and recorded February 17, 2006, as Instrument No. 2014172 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 February 10, 2006 are: Failed to pay the monthly payments of $1,221.73 due from September 1, 2011, 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 $173,922.20, plus accrued interest at the rate of 6.00000% per annum from August 1, 2011. 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: November 5, 2013 Fidelity National Title Insurance Company, Trustee 11000 Olson Drive Ste 101, Rancho Cordova, CA 95670 916-636-0114 Megan Curtis, Authorized Signature SALE INFORMATION CAN BE OBTAINED ON LINE AT www.lpsasap.com FOR AUTOMATED SALES INFORMATION please call 714-730-2727 A-4428435 Legal 9757 November 30, 2013 December 7, 14, 21, 2013`

Notice of Lien Sale Notice is given that Industrial Park Mini Storage will be selling at public auction, the entire contents of unit # 63, belonging to LaTeesha Spray. Last known address: 115 E. Anton Ave #15, Coeur d Alene, ID 83815. Notice is given that Industrial Park Mini Storage will be selling at public auction, the entire contents of unit # 12, belonging to Thomas Stephenson. Last known address: 2623 Drummond, Otis Orchards, WA 99027. Notice is given that Industrial Park Mini Storage will be selling at public auction, the entire condense of unit #13, belonging to Thomas Stephenson. Last known address: 2623 Drummond, Otis Orchards, WA 99027. Notice is given that Industrial Park Mini Storage will be selling at public auction, the entire contents of unit # 39, belonging to Peter Zao. Last known address: 510 E 11th, Post Falls, ID 83854. Sale will take place on Saturday December 14, 2013. Units will open at 8:30 a.m. for viewing. Auction will start at 9:00 a.m. on the premises of Industrial Park Mini Storage 4901 Industrial Park Drive, Coeur d Alene, ID 83815. The contents will be sold to the highest bidder for cash or certified funds. No personal checks will be accepted. Items to be sold are generally described as: Furniture, Tools, Computer, Motorcycle Parts, Shop Equipment. (208) 765-5600 Legal 9770 November 29, 30, 2013 December 2, 3, 4, 5, 6, 7, 9, 10, 11, 12, 13, 14, 2013

NOTICE TO CREDITORS CASE NUMBER CV-13-7810 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 JOHN ROBERT KELLER, DECEASED. ESTATE OF JOHN ROBERT KELLER, Deceased PROBATE NO: CV13-7810 NOTICE IS HEREBY GIVEN that the undersigned has been appointed Personal Representative of the above named decedent. All persons having claims against the decedent or decedent's 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, and filed with the Clerk of the Court. /s/ RICHARD J. KELLER c/o Charles M. Dodson Attorney at Law 1424 Sherman Ave. Ste 300 Coeur d' Alene, ID 83814 /s/ CHARLES M. DODSON ATTORNEY AT LAW Legal 9799 December 7, 14, 21, 2013

PUBLIC NOTICE IDAHO HOUSING AND FINANCE ASSOCIATION ADDITIONAL MORTGAGE CREDIT CERTIFICATE PROGRAM The Idaho Housing and Finance Association ("IHFA") is implementing a new installment of its Mortgage Credit Certificate Program under Section 25 of the U.S. Internal Revenue Code (the "Code"). A Mortgage Credit Certificate ("MCC") reduces the amount of Federal income tax a qualified home buyer pays by providing a tax credit. Consequently, the home buyer has more disposable income to make loan payments. After all other credits and deductions are taken into account, the value of the MCC is applied directly to the home buyer's remaining Federal tax liability. The amount of the credit may not exceed a taxpayer's total tax liability for a specific year, however, any excess credit may be carried forward to a subsequent tax year for up to three years. IHFA continues to issue MCCs under its current program. Additional issuance of MCCs under this new installment of its MCC program is expected to begin in mid April, 2014 for mortgage loans made at that time. MCCs will be made available to eligible home buyers on a first-come, first-served basis and may be used to purchase newly constructed housing, existing housing, or manufactured housing on owner occupied lots. An MCC cannot be issued to a home buyer who is refinancing an existing mortgage. The amount of the credit under the proposed program will range between ten percent (10%) and fifty percent (50%). of the yearly interest paid on a qualified mortgage with an annual credit maximum of $2,000 for the eligible borrower. At least 20% of the total program amount issued is reserved for MCC's for mortgage loans on single family residences located in targeted counties. A list of targeted counties is available at Idaho Housing.com. Present IHFA and Federal regulations require borrowers to meet the certain requirements to be eligible for an MCC including the following, unless IHFA is advised that less restrictive limits can legally be authorized: 1. The borrower must be a first-time home owner, except in the 27 targeted counties. A first-time home owner is defined as a household that has not owned a principal residence for a period of three (3) years prior to the date of executing the MCC-assisted mortgage loan. 2. A borrower with a family of three or more persons must have an annual gross income not exceeding 115% of the applicable area median family income, while a borrower with a family of one or two persons must have an annual gross income not exceeding 100% of the applicable area median family income, except that higher family income limits may be adopted for targeted counties. A list of the current income limits is available at Idaho Housing.com. 3. The borrower must purchase a single family residence, in Idaho, and occupy the housing unit as a principal residence. 4. The borrower must purchase a single family residence with an acquisition cost which does not exceed 90% of the average area purchase price applicable to such residence, except that the acquisition cost may be 110% of the average area purchase price in targeted counties. A list of these purchase price limits can be found at Idaho Housing.com. 5. The borrower must acquire a new mortgage or home loan and meet the credit and underwriting criteria established by the participating lender who provides the mortgage loan. Refinancing of an existing mortgage or land contract is not permissible. These eligibility requirements and the then current numeric values will be printed and distributed to the public in a Program brochure on Program implementation and will be available online at IdaMortgage.com. The eligibility requirements will not exceed, but may be lower than, the most recently published figures for applicable area median family income and average area purchase price which have been published by the Department of Housing and Urban Development and the Department of Treasury. MCCs may be used in conjunction with any privately insured or uninsured fixed rate or adjustable rate loan and such loans are expected to be purchased by IHFA from funds which are not derived from mortgage revenue bonds under Section 143 of the Code. A home buyer may make application for an MCC, through a participating lender or a participating mortgage broker, at the time of loan application. A list of such lenders and mortgage brokers will be available online at Idaho Housing.com. MCCs cannot be used with any mortgage loans supported by mortgage revenue bonds under Section 143 of the Code. Banks, savings and loan associations, mortgage companies, and other approved financing institutions are invited to participate as lenders. Any lender who wishes to participate will be required to sign a Lender Agreement, which outlines the lender's review and reporting responsibilities. IHFA's list of participating lenders is available at Idaho Housing.com. IHFA will assist lenders in their reporting and other responsibilities. Each borrower may be charged up to $300 as a MCC processing fee. If you have any questions regarding the Mortgage Credit Certificate Program or want further information about the requirements for participating lenders, please contact the Idaho Housing and Finance Association, mail address: P.O. Box 7899, Boise , Idaho 83707-1899; physical address: 565 West Myrtle Street, Boise, Idaho, 1-866-432-4066 or (208) 424-7066. Legal 9812 December 7, 2013

NOTICE OF SALE OF UNCLAIMED PROPERTY AT PUBLIC AUCTION LEGAL NOTICE IS HEREBY GIVEN THAT THE RATHDRUM POLICE DEPARTMENT WILL SELL AT PUBLIC AUCTION, TO BE HELD AT REINLAND AUCTION COMPANY 2350 N. BECK RD., POST FALLS, COUNTY OF KOOTENAI, STATE OF IDAHO, AT 9:00 AM ON SATURDAY THE 14TH DAY OF DECEMBER TO THE HIGHEST BIDDER, MISCELLANEOUS PROPERTIES THAT HAS BEEN UNCLAIMED. ALL PROPERTY WILL BE AVAILAVLE FOR VIEWING FRIDAY, DECEMBER 13, 2013 BETWEEN THE HOURS OF 9:00 AM AND 4:30 PM. Legal 9813 December 7, 9, 10, 11, 12, 2013

SUMMONS BY PUBLICATION CASE NO. CV13-7530 IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI MAGISTRATE DIVISION ELIZABETH ANN NELSON, Plaintiff, vs. DANIEL MARCUS QUINTERO, MELADI MARIE RHOADS, and WILLIAM HARRIS LOWLEY, Defendants. SUMMONS TO: Daniel Marcus Quintero, Meladi Marie Rhoads, and William Harris Lowley You have been sued by Elizabeth Ann Nelson, the Plaintiff, in the Magistrate Court in and for Kootenai County, Idaho, Case No. CV13-7530. The nature of the claim against you is an automobile accident. Any time after 20 days following the last publication of this summons, the court may enter a judgement 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 fee to the Clerk of the Court at PO Box 9000, 324 West Garden Ave., Coeur d; Alene, ID 83816-9000 and served a copy of your reseponse on the Plaintiff's attorney, Thomas J. Lyons, PO Box 4848, 275 Tierra Vista Drive in Pocatello, Idaho, 83205, 208-232-0710. A copy of the Summons and Complain can be obtained by contacting either the Clerk of the Court or the attorney for the Plaintiff. If you wish legal assistance, you should immediately retain an attorney to advise you in this matter. DATED November 22, 2013. Kootenai County Magistrate Court BY: Deputy Clerk Legal 9814 December 7, 14, 21, 28, 2013

NOTICE TO CREDITORS (I.C. 15-3-801) CASE NO. CV13-8022 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 Carmen Deloris (Steinbrecher) Olson Deceased. NOTICE IS HEREBY GIVEN that Richard J. Heine has been appointed Personal Representative of the above named Estate. All persons having claims against the decedent or the Estate are required to present their claims within four (4) months after the first publication of this Notice to Creditors, 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 3rd day of December, 2013. /s/ Katherine Monroe Coyle Legal 9815 December 7, 14, 21, 2013