SUMMONS

| January 11, 2006 8:00 PM

IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATES OF IDAHO, IN AND FOR THE COUNTY OF BONNER

Case No. CV-2003-1662

CITIBANK (SOUTH DAKOTA), N.A.,

Plaintiff,

vs.

MARVIN BERNING,

Defendant,

Case No. CV-2003-1668

CITIBANK (SOUTH DAKOTA), N.A.,

Plaintiff,

vs.

MARVIN BERNING,

Defendant,

Case No. CV-2004-258

CITIBANK (SOUTH DAKOTA), N.A.,

Plaintiff,

vs.

ANNETTE T. BERNING,

Defendant,

TO: H. MARVIN BERNING and ANNETTE T. BERNING, Defendants:

You have been sued by Citibank (South Dakota), N.A., the Plaintiff, in the District Court in and for Bonner County, Idaho Case Nos. CV-2003-1662, CV-2003-1668, and CV-2004-258.

The nature of the claim against you is for monies due and owing.

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 filing fee to the Clerk of the Court at 215 S. 1st Ave., Sandpoint, Idaho 83864 (208-265-1432) and served a copy of your response on the Plaintiff's attorneys at P.O. Box1544, Boise, Idaho 83701 (208-345-9151).

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 legal assistance, you should immediately retain an attorney to advise you in this matter.

DATED this 13th day of December, 2005.

BONNER COUNTY

DISTRICT COURT

By: Deputy Clerk

Legal SNP#7518

Dec. 28, 2005, Jan. 4, 11, 18, 2006