Legals December 19, 2015

IN THE DISTRICT COURT OF THE FIRST JUDICAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI CASE NO. CV-15-7996 NOTICE TO CREDITORS IN THE MATTER OF THE ESTATE OF: RAYMOND H. MEYER, JR., DOD:10/18/2015 NOTICE IS HEREBY GIVEN that the undesigned 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 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 30 day of November, 2015. /s/___________ GLEN MEYER Personal Representative c/o Pamela Massey Attorneys Northwest 1910 Northwest Blvd., Suite 200 Coeur d' Alene, ID 83814 LEGAL 4733 DECEMBER 5, 12, 19, 2015

PUBLIC NOTICE IDAHO HOUSING AND FINANCE ASSOCIATION ADDITIONAL MORTGAGE CERDIT 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 after the authority from IHFA's 2014 MCC election is no longer available, but not before mid April, 2016, for mortgage loans made at such 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 IdahoHousing.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 IdahoHousing.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 IdahoHousing.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 IdahoHousing.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 4805 DECEMBER 19, 2015

IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI Case No. CV15-8135 NOTICE TO CREDITORS IN THE MATTER OF THE ESTATE OF: Winnifred Jane Velicka, Deceased NOTICE IS HEREBY GIVEN that Stnaley S. Schulz 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 date of 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 27th day of Nov, 2015. /s/__________ Katherine M. Coyle Wytychak Elder Law, PLLC P.O. Box 1888 Coeur d' Alene, ID 83816-1888 LEGAL 4742 DECEMBER 5, 12, 19, 2015

NOTICE OF TRUSTEE'S SALE NOTICE IS HEREBY GIVEN that on February 23, 2016, at the hour of 10:00 o'clock a.m. of said day, at the offices of Veteran's Memorial Plaza North Entrance Admin Building 451 N Government Way, Couer d'Alene, ID, 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 described real property situated in the County of Kootenai, State of Idaho, and described as follows, to wit: LOT 7, BLOCK 2, BROADMOORE ESTATES FIFTH ADDITION, ACCORDING TO THE PLAT RECORDED IN BOOK "J" OF PLATS, PAGE 190, RECORDS OF KOOTENAI COUNTY, IDAHO The Seller has no knowledge of a more particular description of the above described real property, but for purposes of compliance with Idaho Code Section 60 113, the Trustee has been informed that the street address of 2587 W. Ashland Ln., Hayden, Idaho, may sometimes be 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 made and entered into on 01/02/2007, by and among James Walter Bayne and Roberta Bayne, Husband and Wife, as Grantor, and First American Title, as Trustee, and Registration Systems, Inc. ("MERS") acting solely as nominee for Countrywide Home Loans, Inc., as Beneficiary; said Deed of Trust having been filed of record on 01/18/2007 as Instrument No. 2078180000, Official Records of Kootenai County, Idaho. The naming of the above Grantor(s) is done to comply with Idaho Code Section 45-1506(4)(a); no representation is made as to the responsibility of Grantor(s) for this obligation. The default for which the sale is to be made is that no monthly installment payments under a Deed of Trust Note dated 01/02/2007, in the amount of $2,522.36 per month for 12/1/2011 and each month thereafter have been made, together with accruing late charges, plus any other charges lawfully due under the note, deed of trust, and Idaho law. The balance owing as of 05/07/2015 the date hereof on the obligation secured by said Deed of Trust is the amount of $268,027.59; plus service charges, late charges, and any other costs or expenses associated with this foreclosure as provided by the Deed of Trust or Deed of Trust Note, or by Idaho law. Brian G. Sayer Klatt, Augustine, Sayer, Treinen & Rastede, P.C. 925 E. 4th St. Waterloo, Iowa 50703 319-234-2530 319-232-6341 LEGAL 4743 DECEMBER 5, 12, 19, 26, 2015

IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO IN AND FOR THE COUNTY OF KOOTENAI Case No. CV-15-8378 NOTICE OF HEARING ON PETITION FOR SUMMARY ADMINISTRATION OF ESTATE OF WHICH SURVIVING SPOUSE IS BENEFICIARY In the Matter of The Estate of: DANIEL W. DOERR, JR. Deceased. YOU AND EACH OF YOU WILL PLEASE TAKE NOTICE that the below named Attorney for Petitioner will call on for hearing Petitioner's Petition for Summary Administration of Estate of Which Surviving Spouse is Sole Beneficiary, on file herein, at a courtroom in the Kootenai County Courthouse at Coeur d'Alene, Idaho, on the 6th day of January, 2016 at 9:30 o'clock a.m., or as soon thereafter as counsel may be heard; and any person who has good cause may appear and show cause why said petition should not be granted. DATED this 8th day of December , 2015. /s/__________ Randall C. Probasco Attorney for Petitioner LEGAL 4769 DECEMBER 12, 19, 26, 2015

TRUSTEE'S NOTICE OF SALE Reference is made to that certain trust deed made by Brent J. Petley and Amy K. Petley, husband and wife as grantor, to Landamerica Lawyer`s Title of Kootenai County as trustee, in favor of Firstbank Northwest, a Washington Corporation as beneficiary, dated June 15, 2005, recorded June 16, 2005, in the mortgage records of Kootenai County, Idaho, as Document No. 1957425, and assigned to BANK OF AMERICA, N.A. on May 23, 2012 in the records of Kootenai County, Idaho, as Document No. 2359408000, covering the following described real property situated in said county and state, to wit: LOT 9, BLOCK 2, ORCHARD PLACE, ACCORDING TO THE PLAT RECORDED IN BOOK "G" OF PLATS AT PAGE 50, RECORDS OF KOOTENAI COUNTY, IDAHO. PROPERTY ADDRESS: 9392 NORTH KAYLA COURT, HAYDEN, ID 83835 There is a default by the grantor or other person owing an obligation or by their successor in interest, the performance of which is secured by said trust deed, or by their successor in interest, with respect to provisions therein which authorize sale in the event of default of such provision. The default for which foreclosure is made is grantors' failure to pay when due the following sums: monthly payments of $1,027.34 beginning August 1, 2013, monthly payments of $1,041.41 beginning July 1, 2014, monthly payments of $1,036.44 beginning September 1, 2014, and monthly payments of $1,037.29 beginning August 1, 2015; plus advances of $4,782.31; together with title expense, costs, trustee's fees and attorney's fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. By reason of said default, the beneficiary has declared all sums owing on the obligation secured by said trust deed immediately due and payable, said sums being the following, to wit: $131,648.24 with interest thereon at the rate of 5.37500 percent per annum beginning July 1, 2013; plus advances of $4,782.31; plus escrow balance due of $3,501.46; plus other fees and costs in the amount of $113.02; together with title expense, costs, trustee's fees and attorney's fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described property and its interest therein; and prepayment penalties/premiums, if applicable. WHEREFORE, notice is hereby given that the undersigned trustee will on February 10, 2016, at the hour of 09:00 AM, at La Quinta Inn & Suites Coeur d`Alene Auction.com Room, 333 W. Ironwood Drive, Coeur d`Alene, ID 83814, in the City of Coeur D` Alene, County of Kootenai, State of Idaho, sell at public auction to the highest bidder for cash the interest in the real property described above, which the grantor had or had power to convey at the time of the execution by grantor of the trust deed together with any interest which the grantor or grantor's successors in interest acquired after the execution of the trust deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of the sale, including reasonable charges by the trustee. In construing this notice, the singular includes the plural, the word "grantor" includes any successor in interest to the grantor as well as any other person owing an obligation, the performance of which is secured by the trust deed, and the words "trustee" and "beneficiary" include their respective successors in interest, if any. Robinson Tait 710 Second Ave, Suite 710 Seattle, WA 98104 LEGAL 4770 DECEMBER 12, 19, 26, 2015 JANUARY 1, 2016

NOTICE OF TRUSTEE'S SALE On Tuesday, the 5th day of April, 2016, 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 23, BLOCK 8, FIELDSTONE AT PRAIRIE FALLS FIFTH ADDITION, ACCORDING TO THE PLAT THEREOF, FILED IN BOOK J OF PLATS AT PAGE(S) 345, 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 3648 White Sands Ln., 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 KIRK FISHER and BETTY FISHER, Husband and Wife, Grantor, to Ryan M. Fawcett, Successor Trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., recorded August 19, 2013, as Instrument No. 2424689000, Mortgage records of Kootenai County, Idaho; and assigned to the IDAHO HOUSING AND FINANCE ASSOCIATION by Assignment of Deed of Trust recorded on November 17, 2015, as Instrument No. 2523721000, 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 16, 2013, in the amount of $985.00 each, for the months of July through November, 2015, 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 4.00% per annum from June 1, 2015. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $146,988.60, plus accrued interest at the rate of 4.00% per annum from June 1, 2015. DATED This 4th day of December, 2015. RYAN M. FAWCETT, a Member of the Idaho State Bar, SUCCESSOR TRUSTEE LEGAL 4771 DECEMBER 12, 19, 26, 2015 JANUARY 2, 2016

NOTICE OF PUBLIC HEARING PLANNED UNIT DEVELOPMENT NOTICE IS HEREBY GIVEN that the City of Hayden Planning and Zoning Commission will conduct a public hearing on Monday, January 4, 2016 at 5:00 pm at Hayden City Hall Council Chambers, 8930 N. Government Way, Idaho, to consider Case No. PUD 0004, a request by Avery Estates, LLC for an amendment to their existing Planned Unit Development (PUD 73204) on 6.2 acres of land located off Government Way. The Avery Estates development is generally located on the east side of Government Way, north of East Miles Avenue, and south of East Lacey Avenue, and includes Maryanna Lane, Spoor Lane, Leeanne Lane, and May Lane in Hayden, Idaho. The overall PUD is zoned Commercial/ Multi-family with a PUD overlay. The two parcels subject to this request are zoned Commercial for future commercial development. The current Master Development Agreement (MDA) signed and dated on July 10, 2008 entitles them to certain development provisions which, in general, consists of creating 58 Multi-Family Residential units and 2 Commercial lots on approximately 6.20 acres of land located in Hayden, Idaho. Since approved in 2008, they developed four 4-plex Multi-Family housing units and they plan to complete the remainder as the demand increases. They are requesting that the commercial zone lots be given the same development exceptions granted to the multi-family zone, thereby allowing residential units to be constructed on those lots. It is also requested that all provisions for Workforce Housing be removed from the PUD. The legal description is: A PORTION OF TRACTS 25 AND 36 PLAT OF AVONDALE LOCATED IN THE NORTHWEST QUARTER OF SECTION 13, T51N, R4W, B.M., CITY OF HAYDEN, KOOTENAI COUNTY, IDAHO, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE WEST QUARTER CORNER OF SAID SECTION 13, SAID POINT BEING MARKED WITH A 3-1/4" ALUMINUM CAP (PLS #8576) FROM WHICH THE NORTHWEST CORNER OF SAID SECTION 13 BEARS N01?04'45"E, A DISTANCE OF 2634.42 FEET; THENCE N01?04'45"E ALONG THE WEST LINE OF THE NORTHWEST QUARTER OF SAID SECTION 13, A DISTANCE OF 336.75 FEET TO THE INTERSECTION OF THE EXTENSION OF THE SOUTH LINE OF THE NORTH HALF OF SAID TRACT 36; THENCE S88?34'46"E ALONG THE SOUTH LINE OF THE NORTH HALF OF SAID TRACT 36 EXTENDED, A DISTANCE OF 45 FEET TO THE EAST RIGHT-OF-WAY LINE OF GOVERNMENT WAY; THENCE N01?04'45"E ALONG THE EAST RIGHT-OF-WAY LINE OF GOVERNMENT WAY, A DISTANCE OF 89.97 FEET TO AN EXISTING 5/8" IRON ROD MARKING THE NORTH LINE OF THE SOUTH 90 FEET OF THE NORTH HALF OF SAID TRACT 36, POINT BEING THE TRUE POINT OF BEGINNING OF THE HEREIN DESCRIBED PARCEL OF LAND; THENCE N01?04'45"E CONTINUING ALONG THE EAST RIGHT-OF-WAY LINE OF GOVERNMENT WAY, A DISTANCE OF 296.80 FEET; THENCE S88?35'54"E, A DISTANCE OF 185 FEET TO A SET 5/8" BY 30" IRON ROD WITH A PLASTIC CAP MARKED PLS #12463 REPLACING AN EXISTING 1/2'" IRON ROD; THENCE N01?22'51"E, A DISTANCE OF 100.12 FEET TO AN EXISTING 5/8" IRON ROD; THENCE N00?55'50"E, A DISTANCE OF 107.01 FEET TO AN EXISTING 5/8" IRON ROAD WITH A PLASTIC CAP, PLS #8962 ON THE SOUTH LINE OF THE NORTH 50 FEET OF THE SOUTH HALF OF SAID TRACT 25; THENCE S88?37'43"E ALONG SAID SOUTH LINE, A DISTANCE OF 427.07 FEET TO AN EXISTING 5/8" IRON ROD WITH A PLASTIC CAP, PLS #8962, MARKING THE SOUTHEAST CORNER OF THE NORTH 50 FEET OF THE SOUTH HALF OF SAID TRACT 25; THENCE S01?10'45"W ALONG THE EAST LINE OF SAID TRACT 25, A DISTANCE OF 272.35 FEET TO AN EXISTING 5/8" IRON ROD WITH A PLASTIC CAP, PLS #2472, MARKING THE SOUTHEAST CORNER OF SAID TRACT 25; THENCE S01?10'45"W ALONG THE EAST LINE OF SAID TRACT 36, A DISTANCE OF 231.91 FEET TO AN EXISTING 5/8" IRON ROD WITH A PLASTIC CAP MARKED PLS #3814, MARKING THE NORTHEAST CORNER OF THE SOUTH 90 FEET OF THE NORTH HALF OF SAID TRACT 36; THENCE N88?35'17"W ALONG THE NORTH LINE OF THE SOUTH 90 FEET OF THE NORTH HALF OF SAID TRACT 36, A DISTANCE OF 611.45 FEET TO THE TRUE POINT OF BEGINNING OF THE HEREIN DESCRIBED PARCEL OF LAND. Said proposal is on file with the Community and Economic Development Department at the City of Hayden where it may be reviewed during regular business hours. Such file will contain material relevant to the request, the contents of which may change prior to the date of the hearing. All persons desiring to provide oral testimony should appear at the hearing. Written testimony may be sent to the City of Hayden, Community and Economic Development Department, Hayden, Idaho, 83835; faxed to (208) 772-2282; or, emailed to planning@cityofhaydenid.us. Written comments must be received no later than 5:00 PM on Monday, December 21, 2015. Written testimony received after this date will not be entered into the record or read at the public hearing. Assistance for persons with disabilities will be provided upon 24-hour notice prior to the public hearing. LEGAL 4787 DECEMBER 19, 2015

NOTICE OF PUBLIC HEARING SPECIAL USE PERMIT NOTICE IS HEREBY GIVEN that the City of Hayden Planning and Zoning Commission will conduct a public hearing on Monday, January 4, 2016 at 5:00 pm at Hayden City Hall Council Chambers, 8930 N. Government Way, Idaho, to consider Case No. SUP 0033, a request by Mr. Graham Christensen/Harmony House to request Special Use Permit approval to allow one, and possibly two, 16 bed assisted living facilities on the property west of Harmony House's existing facilities at 9967 and 9941 Maple Street. The new buildings are proposed to be approximately 7,000 square feet and accessed by the driveway used for their current facility at 9941 N Maple St. Their plan includes six additional parking spots per facility as well as an additional handicap spot next to each of the buildings. The plan includes a 6' privacy fence around the perimeter of the property. The property owner is Jason Smith. Mr. Christensen proposes to lot line adjust approximately one acre of Jason Smith's property into the existing Harmony House subdivision. The site is located in a Residential (R-1) zone on an unaddressed parcel on the west side of North Maple Avenue between East Dakota Avenue and East Hayden Avenue in Hayden, Idaho. The legal description is: Located in Kootenai County, State of Idaho: A tract of land being a portion of Tract 51, Avondale as recorded in Book "B" of Plats at Page 132 located in the Southwest ? of Section 13, Township 51 North, Range 4 West, Boise Meridian, City of Hayden, Kootenai County, Idaho, and being described by metes and bounds as follows: BEGINNING at a found iron rod an PLS 3814 cap marking the southwest corner of Lot 7 Dakota East Addition as recorded in Book "F" of Plats at Page 40; THENCE, along the south line of Dakota East Addition, South 888 38' 47" East, a distance of approximately 343.83 feet to the west line of Lot 2; THENCE, South 018 10' 49" West, a distance of 128 feet along the west line of Lot 2; THENCE, North 888 39' 00" West, a distance of approximately 343 feet to the west line of Tract 51-AA; THENCE, along the west line of Tract 51, North 01825'05" East, a distance of approximately 128 feet to the POINT OF BEGINNING. Said proposal is on file with the Community and Economic Development Department at the City of Hayden where it may be reviewed during regular business hours. Such file will contain material relevant to the request, the contents of which may change prior to the date of the hearing. All persons desiring to provide oral testimony should appear at the hearing. Written testimony may be sent to the City of Hayden, Community and Economic Development Department, Hayden, Idaho, 83835; faxed to (208) 772-2282; or, emailed to planning@cityofhaydenid.us. Written comments must be received no later than 5:00 PM on Monday December 21, 2015. Written testimony received after this date will not be entered into the record or read at the public hearing. Assistance for persons with disabilities will be provided upon 24-hour notice prior to the public hearing. LEGAL 4792 DECEMBER 19, 2015

NOTICE OF TRUSTEE'S SALE NOTICE IS HEREBY GIVEN that on April 26, 2016 at the hour of 10:00 am of said day, at Veteran's Memorial Plaza North Entrance Admin Building 451 N Government Way Couer d'Alene ID 83815 the 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 described real property situated in the County of Kootenai, State of Idaho, and described as follows, to-wit: Lot 1, Block 6, The Landings at Waterford Fourth Addition, according to the plat recorded in Book "J" of plats at Page 343, records of Kootenai County, Idaho. The Seller has no knowledge of a more particular description of the above described real property, but for purposes of compliance with Idaho Code Section 60-113, the Trustee has been informed that the street address of 4348 W BARDWELL DR, COEUR D ALENE, ID 83815, may sometimes be 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 made and entered into on 04/24/2008, by and among Randy M. Pettyjohn and Priscilla Pettyjohn, Husband and Wife, as Grantor, and Fidelity National Title Ins. Co, as Trustee, and Mortgage Electronic Registration Systems, Inc. as nominee for Mortgage Electronic Registration Systems, Inc. ("MERS") acting solely as nominee for Countrywide Bank, FSB, as Beneficiary; said Deed of Trust having been filed of record on 04/25/2008 as Instrument No. DOC# 2156142000, Official Records of Kootenai County, Idaho. The naming of the above Grantor(s) is done to comply with Idaho Code Section 45-1506(4)(a); no representation is made as to the responsibility of Grantor(s) for this obligation. The default for which the sale is to be made is that no monthly installment payments under a Deed of Trust Note dated 04/24/2008, in the amount of $1,021.78 per month for 01/01/2012 and each month thereafter have been made, together with accruing late charges, plus any other charges lawfully due under the note, deed of trust, and Idaho law. The balance owing as of 1/13/2015 on the obligation secured by said Deed of Trust is the amount of $208,037.77; plus service charges, late charges, and any other costs or expenses associated with this foreclosure as provided by the Deed of Trust or Deed of Trust Note, or by Idaho law. Date 11/30/15 Brian G. Sayer Klatt, Augustine, Sayer, Treinen & Rastede, P.C. 925 E. 4th St. Waterloo, Iowa 50703 319-234-2530 319-232-6341 LEGAL 4803 DECEMBER 19, 26, 2015 JANUARY 2, 9, 2016