Legals October 20th, 2016

NOTICE OF TRUSTEE'S SALE Trustee's Sale No. ID-BVS-15016289 NOTICE IS HEREBY GIVEN that, Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services, the duly appointed Successor Trustee will on January 19, 2017, at the hour of 10:00 AM, of said day, FRONT ENTRANCE OF THE KOOTENAI COUNTY COURTHOUSE, 324 W. 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: LOT 13 IN BLOCK 11 OF LAKESHORE ADDITION TO COEUR D'ALENE. ACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK B OF PLAT AT PAGE(S) 128 OFFICIAL RECORDS OF KOOTENAI COUNTY, IDAHO. 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 512 S. 14TH ST; 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 VERMONT R. TROTTER, AN UNMARRIED MAN, as Grantor, to FIDELITY NATIONAL TITLE INS CO; as Trustee for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. AS NOMINEE FOR COUNTRYWIDE HOME LOANS, INC; as Beneficiary, dated 7/17/2005, recorded 6/24/2005, under Instrument No. 1959776. Mortgage records of KOOTENAI County, IDAHO, the beneficial interest in which is presently held by THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWALT, INC. ALTERNATIVE LOAN TRUST 2005-28CB MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-28CB. 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 7/17/2005, THE MONTHLY PAYMENT WHICH BECAME DUE ON 5/1/2009 AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES SET FORTH. Amount due as of September 6, 2016 Delinquent Payments from May 01, 2009 3 payments at $ 1,129.85 each $3,389.55 51 payments at $ 1,052.11 $53,657.61 12 payments at $ 1,034.68 each $12,416.16 12 payments at $ 1, 042.65 each $12,511.80 6 payments at $ 1,064.38 each $6,386.28 5 payments at $ 1,098.75 each $5,493.75(05-01-09 through 09-06-16) Late Charges Forecasted: $44.64 MTGR Rec Corp Adv: $13,060.99 TOTAL: $106,960.78 All 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 $138,003.65, together with interest thereon at 6.250% per anuum from 4/1/2009 to 8/1/2009, 6.250% per annum from 8/1/2009 to 11/1/2013, 6.250% per annum from 11/1/2013 to 11/1/2014, 6.250% per annum from 11/1/2014 to 11/1/2015, 6.250% per annum from 11/1/2015 to 5/1/2016, 6.250% per anuum from 5/1/2016, 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. SALE INFORMATION LINE: 714-730-2727 or http://www.lpsasap.com DATED: 9/6/2016 Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services By Deborah Duncan, Assistant Secretary c/o PEAK FORECLOSURE SERVICES, INC. 5900 Canoga Avenue, Suite 220 Woodland Hills, CA 91367 Phone: (877) 237-7878 A-4591662 10/06/2016, 10/13/2016, 10/20/2016, 10/27/2016 LEGAL 6399 OCTOBER 6, 13, 20, 27, 2017

NOTICE TO CREDITORS Probate Case No. CV 16-7115 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 CARLENE J. GINN, Deceased. NOTICE IS HEREBY GIVEN that FRANK VINCENT GINN and JOY McMURTREY GROSHART has been appointed Co-Personal Representative of the above-named estate. All persons having claims against the deceased 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 either be presented to FLAMMIA & SOLOMON, P.C., attorney for co-ersonal Representatives, P. O. Box 1117, Coeur d'Alene, Idaho 83816-1117, or filed with the Court, with a copy to Flammia and Solomon P.C., at the address indicated. DATED this 3rd day of October, 2016. FLAMMIA & SOLOMON, P.C. Attorneys for Personal Representation By /S/ ANNE SOLOMON LEGAL 6431 OCTOBER 13, 20, 27, 2016

The following application(s) have been filed to appropriate the public waters of the State of Idaho: 95-17212 DONALD A TOOMBS EUNICE L TOOMBS 919 N OAKMONT LN LIBERTY LAKE, WA 99019 Point of Diversion L1(SWNE) S11 T48N R04W KOOTENAI CO Source COEUR D ALENE LAKE tributary SPOKANE RIVER Use: DOMESTIC 01/01 to 12/31 0.04 CFS Total Diversion: 0.04 CFS Date Filed: 10/4/2016 Place of Use:DOMESTIC T48N R04W S11 L1(SWNE) Domestic use is for 1 home with irrigation of up to 1/s acre. 95-17214 ANGELA R MURRAY PO BOX 1271 RATHDRUM, ID 83858 Point of Diversion L6(NWSW) S5 T52N R04W KOOTENAI CO Source TWIN LAKES tributary RATHDRUM CREEK Use: DOMESTIC 01/01 to 12/31 0.04 CFS Total Diversion: 0.04 CFS Date Filed: 10/4/2016 Place of Use:DOMESTIC T52N R04W S5 L5(SWNW) L6(NWSW) Domestic external use only with irrigation of up to 1/2 acre. 95-17216 ANDREW C CROMWELL FRANCES D CROMWELL GORDON N CROMWELL III 177 SUNLITE BASIN RD ANACONDA, MT 59711 Point of Diversion L1(NENW) S23 T49N R04W KOOTENAI CO Source COEUR D ALENE LAKE tributary SPOKANE RIVER Use: DOMESTIC 01/01 to 12/31 0.04 CFS Total Diversion: 0.04 CFS Date Filed: 10/6/2016 Place of Use: DOMESTIC T49N R04W S23 L1(NENW) Domestic use is for one home with irrigation up to 1/2 acre. Permits will be subject to all prior water rights. For additional information concerning the property location, contact Northern Region office at (208) 762-2800; or for a full description of the right(s), please see: http://www.idwr.idaho.gov/apps/ExtSearch/WRApplicationResults/. Protests may be submitted based on the criteria of Idaho Code § 42-203A. Any protest against the approval of this application must be filed with the Director, Dept. of Water Resources, Northern Region, 7600 Mineral Drive, Suite 100, Coeur D' Alene ID 83815 together with a protest fee of $25.00 for each application on or before 11/7/2016. The protestant must also send a copy of the protest to the applicant. GARY SPACKMAN, Director LEGAL 6485 OCTOBER 20, 27, 2016

The following application(s) have been filed to appropriate the public waters of the State of Idaho: This is being re-advertised to correct Township. 95-17204 LEWELLEN CREEK WATER ASSN INC 10063 NAVION DR HAYDEN, ID 83835 Points of Diversion(2) L1(NWNW) S19 T53N R02W KOOTENAI County Source GROUND WATER Use: DOMESTIC 01/01 to 12/31 0.12 CFS Total Diversion: 0.12 CFS Date Filed: 9/7/2016 Place of Use: DOMESTIC T53N R02W S19 L1(NWNW) Domestic use is for 6 homes with up to 1/2 acre irrigation for each.. Permits will be subject to all prior water rights. For additional information concerning the property location, contact Northern Region office at (208) 762-2800; or for a full description of the right(s), please see: http://www.idwr.idaho.gov/apps/ExtSearch/WRApplicationResults/. Protests may be submitted based on the criteria of Idaho Code § 42-203A. Any protest against the approval of this application must be filed with the Director, Dept. of Water Resources, Northern Region, 7600 Mineral Drive, Suite 100, Coeur D' Alene ID 83815 together with a protest fee of $25.00 for each application on or before 11/7/2016. The protestant must also send a copy of the protest to the applicant. GARY SPACKMAN, Director Published on 10/20/2016 and 10/27/2016 LEGAL 6469 OCTOBER 20, 27, 2016

STATE TIMBER SALE CR225044, NORTH LOST GIRL A public oral auction will be conducted at the Idaho Department of Lands office, 80 Hilltop Overpass Road, Kingston, ID 83839, at 10:00 a.m. local time, on Tuesday, November 1, 2016 for an estimated 2,730 MBF of timber marked or otherwise designated for cutting. In addition, there is an unestimated volume of forest products that may be removed at the option of the purchaser. Prior to bidding, eligible bidders shall present a certified check or bank draft payable to Treasurer, State of Idaho, or a bid bond acceptable to the State, in the amount of $24,295.50 which is 10% of the appraised net sale value of $242,955.00. The successful bidder's deposit will be forfeited to the State should the bidder fail to complete the contract. The State will not accept bids from parties who are delinquent on payments on existing state contracts. The average starting minimum bid price is $131.83 per MBF. The sale is located within Section 33, Township 48N, Range 01W and Sections 3 and 4, Township 47N, Range 01W, B.M., Kootenai County, State of Idaho. Sale duration is 2 years. The sale may include blowdown and/or insect and disease infected timber which may result in additional volume and recovery reductions. Interested purchasers should carefully examine the sale and make their own estimates as to volume recovery, surface conditions, and proposed construction prior to bidding on the sale. Additional information concerning the timber and conditions of sale is available to the public and interested bidders on the department's timber sale website at https://apps.idl.idaho.gov/timbersale or from the Idaho Department of Lands office, Kingston, Idaho. Please note purchaser insurance requirements posted on the timber sale website. The State Board of Land Commissioners reserves the right to reject any and all bids provided that good and sufficient grounds for rejecting the bid shall be stated in the rejection notice and shall not be in violation of applicable law. If you are disabled and need some form of accommodation, please call (208) 682-4611 five days prior to the date of sale. For text telephone services, please call 1-800-377-3529. LEGAL 6383 OCTOBER 6,13,20,27, 2016

NOTICE TO CREDITORS CASE NO. CV2016-1563 IN THE DISTRIC T 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: PAUL J OLSCAMP 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 uto present their claims within four (4) months after the date of the first publication of the Notice or said claims will be forever barred. Claims must be presented to the undersigned at the address listed and filed with the Clerk of the Court Dated this 17th day of October, 2016 SHELLEY R BRUNA Persoanl Representative IDAHO FIDUCIARY SERVICES PO BOX 309 Couer D' Alene, ID 83816 LEGAL 4204 OCTOBER 20,27, 2016 NOVEMBER 3, 2016

NOTICE OF MINOR SUBDIVISION APPLICATION AND PUBLIC COMMENT PERIOD NOTICE IS HEREBY GIVEN of application of a Minor Subdivision Case No. MIN16-0021, Vincent Estates, a request by Thomas and Lynn Vincent Family Trust, consisting of a four (4) lot minor subdivision on an approximately 26.28 acre parcel of land in the Rural zone. Proposed lots will range between 5.275 to 10.310 acres in size. All of the lots will be served by individual septic tanks and drainfields. Domestic water will be provided by individual wells. An existing well is located on proposed Lot 1. Access to proposed Lot 1 will be off West Holland Road and Lot 2 will gain access from S. Stateline Road. Access to proposed Lots 3 and 4 will be off West Hardison Road via a common access approach. All of the proposed lots are currently undeveloped. The parcel number is 50N06W-13-7975. The proposed site is located at 18446 West Holland Road. The site is described as TAX #7456 EX TAX #S EX # 13450 in Section 13, Township 50 North, Range 06 West, B.M., Kootenai County, Idaho. The public comment period for this application will begin on October 20, 2016 and end November 18, 2016. Submit comments to or request information from the Kootenai County Community Development, P.O. Box 9000, Coeur d'Alene, ID 83816-9000, (208) 446-1070. LEGAL 6442 OCTOBER 20, 2016

NOTICE OF SHERIFF'S SALE Case No. CV15-6883 Sheriff Case No. NOTICE OF SALE Date of Sale: Nov 4, 2016 Time of Sale: 10:00 A.M. Place of Sale: Kootenai County Sheriff's Office Lobby 5500 N Government Way Coeur d' Alene, ID 83815 Under and by virtue of a Renewed Writ of Execution on Judgment of Foreclosure issued on the 12th day of August, u2016, and an Order of Sale of Foreclosure issued on the 19th day of February, 2016 out of the District Court of the First Judicial District of the State of Idaho, in and for the County of Kootenai in the case of: WILLMINGTON SAVINGS FUND SOCIETY, FSB, D/B/A CHRISTINA TRUST, NOT INDIVIDUALLY BUT AS A TRUSTEE FOR PRETIUM MORTGAGE ACQUISITION TRUST, Plaintiff, v. THE UNKNOWN HEIRS, ASSIGNS AND DEVISEES OF TEPHNEY BEX-KIMBALL; STATE UOF IDAHO, UDEPARTMENT OF HEALTH AND WELFARE; STATE OF IDAHO, CATASTROPHIC HEALTH CARE COSTS PROGRAM; KOOTENAI COUNTY ; AND DOES 1 THROUGH 20, INCLUSIVE, including all parties with an interest in and/ or residing in real property commonly known as, 2206 E Coeur d' Alene, ID 83814 and legally described as: LOT 4 IN BLOCK 8 OF GLENMORE ADDITION, UACCORDING TO THE OFFICIAL PLAT THEREOF, FILED IN BOOK B OF PLATS AT PAGES(S) 123 (AMENDED IN BOOK B OF PLATS AT PAGE 104) OFFICIAL RECORDS OF KOOTENAI COUNTY, IDAHO, Defendants. NOTICE IS HEREBY GIVEN that on the 9th day of November, u2016, at 10:00 am of said day, at the Kootenai County Sheriff's Office Lobby at 5500 N Government Way, Coeur d' Alene, Idaho, 83815, I will sell all the right, title and interest of the said Defendants in and to the said property described herein, at public auction to the highest bidder for cash in currency of the United States of America, all payable at time of sale the following described property, situated in Kootenai County, Idaho: 2206 E Coeur d' Alene AVE, Coeur d'Alene, ID 83814-5427, and legally described as follows: LOT 4 IN BLOCK 8 OF GLENMORE ADDITION, ACCORDING TO THE OFFICIAL PLAT THEREOF, UFILED IN BOOKS B OF PLATS AT PAGES 123 U(AMENDED IN BOOK B OF PLATS AT PAGE 104) OFFICIAL RECORDS OF KOOTNEAI COUNTY, IDAHO The sale will be made without covenant or warranty regarding title, possession, or encumbrances to satisfy the obligation of the Defendants the Unknown Heirs, Assigns and Devisees of Taphney Bex-Kimball pursuant to the Judgment entered in the matter on February 19, 2016 and recorded in the official records of Kootenai County. Whereas a Writ of Execution issued out of the District Court of the First Judicial District of the State of Idaho, in and for the County of Kootenai, in the above name case on February 26, 2016. The real property sold at the sale shall be subject to the redemption rights of redemptioners, as that term is defined in Idaho Code Section 11-402, may redeem the property from the purchaser within six months after the sale, upon paying the purchaser the amount of their purchase, with interest on that amount at the rate allowed by Idaho Code Section 28-22-104(1) from the date of the sale to the date of redemption, together with the amount of any assessment or taxes which the purchaser may have paid after the commencement of the action and which are not included in the judgment and interest allowed pursuant to Idaho Code 28-22-104(1). In the event the purchaser is a creditor having a prior lien to that of the redemptioners, other than the judgment under which the purchase is made, the purchaser will also be entitled to payment of that lien amount with interest at the rate allowed in Idaho Code Section 18-22-104(1). The Sheriff, by Certificate of Sale, will transfer all right, title, and interest of the judgment debtors in and to the property at the time of execution of attachment was levied. #2528 Deputy Mark Shindlov Deputy Sheriff of Kootenai County, Idaho Note: THE SHERIFFS OFFICE WILL GIVE POSSESSION, BUT DOES NOT GUARENTEE CLEAR TITLE NOR GUARENTEE CONTINUED POSSESSORY RIGHTS TO THE PURCHASER. EVERY PERSON WHO INTENTIONALLY DEFACES, OBLITERATES , TEARS DOWN OR DESTROYS THIS NOTICE, BEFORE THE EXPIRATION OF THE TIME FOR WHICH IT IS TO REMAIN SET UP, UIS GUILTY OF A MISDEMEANOR (I.C. 18-3205) LEGAL 6470 OCTOBER 20, 26, 2016 NOVEMBER 2, 2016

Dormitory Housing Commission of North Idaho College Coeur d'Alene, Idaho 83814 REQUEST FOR PROPOSALS STUDENT WELLNESS AND RECREATION CENTER CLIMBING/BOULDERING WALL DESIGN/BUILD SERVICES RFP#17-11 North Idaho College is inviting all interested manufacturers to respond to this request for proposals (RFP) for climbing/bouldering wall design/build services. The deadline for submittal of proposals is Thursday, November 3, 2016 at 4:00 p.m. PST. A complete copy of this request for proposal and additional information are available on the North Idaho College website at http://www.nic.edu/procurement. Sealed responses to this request for proposal (RFP), shall be delivered in a sealed envelope or sealed box clearly marked with the RFP number stated above either by US mail or hand-delivered no later than Thursday, November 3, 2016 at 4:00 p.m. PST properly addressed to: Sarah Garcia North Idaho College Office of Finance and Business, Lee-Kildow Hall, Room 111 1000 West Garden Avenue Coeur d'Alene, ID 83814 All questions regarding this Request for Proposals must be in writing and directed to, and only to, Sarah Garcia at the address above or [email protected]. Submitting companies are not to contact trustees, officers, or other employees of North Idaho College. The deadline for questions is 12:00 noon PST, October 27, 2016. LEGAL 6465 OCTOBER 19, 26, 2016

NOTICE OF PUBLIC HEARING St. Joan of Arc Chapel Annexation (File No. A-16-05) NOTICE IS HEREBY GIVEN that the Planning and Zoning Commission of Post Falls will hold a public hearing at City Hall, 408 Spokane Street, on the 8th of November, 2016 at 6:00 p.m, on a request from St. Joan of Arc Chapel to annex approximately 9.2 acres into the City of Post Falls with a zoning classification of Single Family Residential (R-1) zoning designation. GENERAL LOCATION: The property is generally located approximately .4 miles east of Highway 41 and south of E. Poleline Avenue. LEGAL DESCRIPTION: Tract 5, Block 31, POST FALLS IRRIGATED TRACTS, according to the plat recorded in the office of the County Recorder in Book G of Plats at pages 78, 79, And 80 records of Kootenai County, Idaho and all of the unnamed 20 FT Right of Way lying Easterly and adjacent to said Tract 5, all lying within the NW 1/4 of Sec. 31 Twp. 51 N. R. 4 W. B. M. said R/W being bounded on the South by the South Line of Tract 5 extended to the East Line of the N/W 1/4 of said Section 31. All persons desiring to be heard should appear at this hearing. Written testimony or comments may be sent to the City of Post Falls Planning Division, 408 Spokane Street, Post Falls, ID 83854, e-mail comments to [email protected]. Persons are encouraged to submit any and all written comments by October 31, 2016 in order to be included in the Staff Report. Oral and written testimony may be provided during the public hearing and submitted into the record. Testimony may be limited to 3 minutes per person. If you plan to present documents, maps, or a presentation at the hearing, you must contact us by October 31, 2016 for the "Presentation Guidelines". A complete file on this matter may be reviewed by the public in the Post Falls Planning Division located at 408 N. Spokane Street. Questions regarding this hearing can be directed to the Public Services Department (208) 773-8708. A video is available on the Post Falls City website on "How to Testify at a Public Hearing" at http://postfalls.pegcentral.com/ The City Hall Building is handicapped accessible and if any person needs special equipment to accommodate their disability please notify the City Media Center at least 24 hours in advance of the meeting date. The Media telephone number is 208-292-2314. Thank you. LEGAL 6473 OCTOBER 20, 2016

NOTICE TO CREDITORS Case No. CV-15-6206 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: DONALD VERNON EVANENKO Decedent. NOTICE IS HEREBY GIVEN that TANYA ST. GEORGE 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 26 th day of September, 2016 /s/_________ JOHN E. REDAL Attorney for Personal Representative 5431 N. Government Way #101A Coeur d'Alene, ID 83815 LEGAL 6423 OCTOBER 13, 20, 27, 2016 NOVEMBER 3, 2016

NOTICE TO CREDITORS CASE NO. CV-2016-6934 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: ADA GLEN KELLEY, Deceased. NOTICE IS HEREBY GIVEN that JEFERY PAUL GROTJOHN and JAMES ALLAN HAYS have been appointed Personal Representatives of the Estate of ADA GLEN KELLEY. 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 3r day of October, 2016. SMITH + MALEK, PLLC By:/S/ JILLIAN H. CAIRES Attorneys for Personal Representatives 1250 W. Ironwood Drive Suite 316 Coeur d'Alene, ID 83814 LEGAL 6430 SEPTEMBER 13, 20, 27, 2016

T.S. No. 036888-ID Parcel No.: C73350000270 NOTICE OF TRUSTEE'S SALE On 1/25/2017 at 9:00 AM (recognized local time), in the AUCTION.COM ROOM, at LA QUINTA INN & SUITES, 333 W. IRONWOOD DRIVE, COEUR D'ALENE, ID 83814, 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 27, PERRENOUD'S ADDITION TO THE TOWN OF COEUR D'ALENE, ACCORDING TO THE PLAT RECORDED IN BOOK "C" OF PLATS AT PAGE 144, 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: 1411 N 10TH STREET, COEUR D'ALENE, IDAHO 83814, 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 STEPHEN L KAPNER, AN UNMARRIED PERSON, as Grantor(s), to KOOTENAI COUNTY TITLE COMPANY, as Trustee, for the benefit and security of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., SOLELY AS NOMINEE FOR MOUNTAIN WEST BANK, CORPORATION, ITS SUCCESSORS AND ASSIGNS, as Beneficiary, dated 1/23/2012, recorded 1/27/2012, as Instrument No. 2343748000, 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 make monthly payments when due from 8/1/2015 and all subsequent monthly payments thereafter, including installments of 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 9/16/2016 is $121,426.39 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: 9/16/2016 SYDNEY K. LEAVITT, ESQ., a member of the State Bar of Idaho, of ALDRIDGE PITE, LLP LEGAL 6332 SEPTEMBER 29, 2016 OCTOBER 6, 13, 20, 2016