A large raft was put into the Payette River approximately 3.5 miles above Banks, Idaho.  The raft had 10 people on board; none of these people had been involved in rafting class 5 rapids and the rapids they were going to encounter for the next 3 miles were all class 4 and 5+.  All people in the raft were wearing life jackets but helmets or other safety equipment were not aboard the raft.  Approx. 10 minutes in, the raft hit a rapid sideways and three people were ejected.  Two of the people were pulled back in but the third was not able to get back in before the raft went around an island.  The raft went on one side of the island and the person in the water went on the other side.  A few hundred yards down river, the rafters pulled over to the side and ran back to look for the victim (47 yoa).  The victim was located alongside the island underneath a log.  Rescue personnel could not revive the victim.
Banks                         