Your trust is either revocable or irrevocable. Do you know which? Do you know why?

While trusts are not necessary for all my clients, many of them are interested in avoiding probate and after exploring all the options find that a trust will be the best way to do that.

Legals March 15, 2012

NOTICE OF TRUSTEE'S SALE: The following described property will be sold at public auction to the highest bidder, payable in lawful money of the United States, in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814, on 06/11/2012 at 10:00 AM, (recognized local time) for the purpose of foreclosing that certain Deed of Trust recorded 02/12/2007 as Instrument Number 2082501000, and executed by RONALD W HENDRICKSON, AND JUDY L HENDRICKSON, HUSBAND AND WIFE, as Grantor(s), in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as Beneficiary, to RECONTRUST COMPANY, N.A., the Current Trustee of record, covering the following real property located in Kootenai County, State of Idaho: LEGAL DESCRIPTION: LOT 10, BLOCK 1, OF CIMARRON PLACE, ACCORDING TO THE PLAT THEREOF, RECORDED IN BOOK 1 OF PLATS, PAGE 219, REOCRDS OF KOOTENAI COUNTY, IDAHO. MORE CORRECTLY DESCRIBED AS: LOT 10, BLOCK 1, OF CIMARRON PLACE, ACCORDING TO THE PLAT THEREOF, RECORDED IN BOOK 1 OF PLATS PAGE 219, RECORDS OF KOOTENAI COUNTY, IDAHO. The Trustee has no knowledge of a more particular description of the above referenced real property, but for purpose of compliance with Idaho Code, Section 60-113, the Trustee has been informed that the street address of, 845 N TUCSON ST, Post Falls, ID 83854-9774 is sometimes associated with said real property. Bidders must be prepared to tender the trustee the full amount of the bid at the sale in the form of cash, or a cashier's check drawn on a state or federally insured savings institution. 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 that certain Deed of Trust. The default for which this sale is to be made is: Failure to pay the monthly payment due 08/01/2008 of principal, interest and impounds and subsequent installments due thereafter; plus late charges, with interest currently accruing at 8.875% per annum; together with all subsequent sums advanced by beneficiary pursuant to the terms and conditions of said Deed of Trust, and any supplemental modifications thereto. The principal balance owing as of this date on said obligation is $151,159.06, plus interest, costs and expenses actually incurred in enforcing the obligations thereunder and in this sale, together with any unpaid and /or accruing real property taxes, and/or assessments, attorneys' fees, Trustees' fees and costs, and any other amount advanced to protect said security, as authorized in the promissory note secured by the aforementioned Deed of Trust. Therefore, the Beneficiary elects to sell, or cause said trust property to be sold, to satisfy said obligation. NOTICE IS HEREBY GIVEN THAT THIS FIRM IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE, AND THAT THE DEBT MAY BE DISPUTED. 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. DATED: 02/03/2012 RECONTRUST COMPANY, N.A., Name and Address of the Current Trustee is: RECONTRUST COMPANY, N.A., 1800 Tapo Canyon Rd., CA6-914-01-94, SIMI VALLEY, CA 80028-1821, PHONE: (800) 281-8219. TS # 10-0111957 FEI # 1006.144345 Legal 4776 February 23 March 1, 8, 15, 2012

Legals May 28, 2014

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: April 24, 2014 File No.: 7042.13638 Sale date and time (local time): August 28, 2014 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 10050 East Duce Road Athol, ID 83801 Successor Trustee: Northwest Trustee Services, Inc., an Idaho Corporation P.O. Box 997 Bellevue, WA 98009 (425) 586-1900 Deed of Trust information Original grantor: Tracie A. Kennedy, a single person Original trustee: North Idaho Title Original beneficiary: Mortgage Electronic Registration Systems, Inc. solely as nominee for America's Wholesale Lender Recording date: 10/15/2004 Recorder's instrument number: 1907028 County: Kootenai Sum owing on the obligation: as of April 24, 2014: $259,799.18 Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check. For further information write or call the Successor Trustee at the address or telephone number provided above. Basis of default: failure to make payments when due. Please take notice that the Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be correct. The property's legal description is: Lot 1, Block 3, Flying "W" Ranch, according to the plat recorded in Book "I" of Plats at Page 104, records of Kootenai County, Idaho. The sale is subject to conditions, rules and procedures as described at the sale and which can be reviewed at www.northwesttrustee.com or USA-Foreclosure.com. The sale is made without representation, warranty or covenant of any kind. (TS# 7042.13638) 1002.267898-File No. LEGAL 719 MAY 7, 14, 21, 28, 2014

Legals October 9, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: September 10, 2012 File No.: 7023.100919 Sale date and time (local time): January 9, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 1405 N 7th Street Coeur d' Alene, ID 83814-3321 Successor Trustee: Northwest Trustee Services, Inc., an Idaho Corporation P.O. Box 997 Bellevue, WA 98009 (425) 586-1900 Deed of Trust information Original grantor: Marilyn J. Miller, a single woman Original trustee: North Idaho Title Insurance, Inc Original beneficiary: Mortgage Electronic Registration Systems, Inc., as solely as nominee for Academy Mortgage Corporation Recording date: 10/20/2008 Recorder's instrument number: 2182420000 County: Kootenai Sum owing on the obligation: as of September 10, 2012: $110,527.69 Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check. For further information write or call the Successor Trustee at the address or telephone number provided above. Basis of default: failure to make payments when due. Please take notice that the Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be correct. The property's legal description is: Lot 3, Block 1, Decker Addition, according to the plat recorded in Book "J" of Plats at Page 109, Records of Kootenai County, Idaho The sale is subject to conditions, rules and procedures as described at the sale and which can be reviewed at www.northwesttrustee.com or USA-Foreclosure.com. The sale is made without representation, warranty or covenant of any kind. (TS# 7023.100919) 1002.227033-File No. Legal 7143 September 18, 25, 2012 October 2, 9, 2012

Legals October 16, 2012

Notice of Trustee's Sale Idaho Code 45-1506 Today's date: September 14, 2012 File No.: 7021.12224 Sale date and time (local time): January 16, 2013 at 10:00 AM Sale location: in the Veteran's Plaza outside the north entrance of the administrative building, 451 Government Way, Coeur d'Alene, ID 83814 Property address: 28278 N Clagstone Road Athol, ID 83801 Successor Trustee: Northwest Trustee Services, Inc., an Idaho Corporation P.O. Box 997 Bellevue, WA 98009 (425) 586-1900 Deed of Trust information Original grantor: Autumn D. Kennedy, an unmarried person and Jason B. Simmons, an unmarried person Original trustee: First American Title Company of Idaho, INC Original beneficiary: Bank of America, N.A. Recording date: July 9, 2007 Recorder's instrument number: 2109529000 County: Kootenai Sum owing on the obligation: as of September 14, 2012: $285,306.76 Because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check. For further information write or call the Successor Trustee at the address or telephone number provided above. Basis of default: failure to make payments when due. Please take notice that the Successor Trustee will sell at public auction to the highest bidder for certified funds or equivalent the property described above. The property address is identified to comply with IC 60-113 but is not warranted to be correct. The property's legal description is: Lot 2, Block 1, Lomax, according to the plat recorded in Book J of Plats, Page 130, records of Kootenai County, Idaho. The sale is subject to conditions, rules and procedures as described at the sale and which can be reviewed at www.northwesttrustee.com or USA-Foreclosure.com. The sale is made without representation, warranty or covenant of any kind. (TS# 7021.12224) 1002.227548-File No. Legal 7174 September 25, 2012 October 2, 9, 16, 2012

Legals November 24, 2014

NOTICE: AS THE RESULT OF AN ORDER ENTERED IN A BANKRUPTCY PROCEEDING, JENNIFER L. BEAN MAY NOT BE PERSONALLY LIABLE FOR THE UNPAID BALANCE OF THE BELOW REFERENCED LOAN. HOWEVER, THE BENEFICIARY RETAINS A DEED OF TRUST DESCRIBED BELOW WHICH IS SUBJECT TO FORECLOSURE IN ACCORDANCE WITH THE LAWS OF THE STATE OF IDAHO. NOTICE: IF YOU ARE NOT PERSONALLY LIABLE TO PAY THIS OBLIGATION BY REASON OF A BANKRUPTCY PROCEEDING, THEN THIS NOTICE IS NOT AN ATTEMPT TO COLLECT A DEBT BUT IS INTENDED ONLY TO RELAY INFORMATION REGARDING YOUR DEED OF TRUST. NOTICE: IF YOU ARE PERSONALLY LIABLE TO PAY THIS OBLIGATION, WE WISH TO INFORM YOU THAT WE ARE A DEBT COLLECTOR. ANY INFORMATION YOU PROVIDE TO US WILL BE USED FOR THE PURPOSES OF FORECLOSING THE DEED OF TRUST MENTIONED BELOW. NOTICE OF TRUSTEE'S SALE On 2/11/2015 at the hour of 10:00am of said day, (recognized local time), at the front entrance of the Kootenai County Courthouse, 324 West Garden Avenue, City of Coeur d'Alene located in Kootenai County, State of Idaho. William L. Bishop, Jr., as successor trustee, will sell at public auction to the highest bidder, payable, for certified funds, or the equivalent, which is lawful money of the United States of America, all payable at the time of sale in compliance with Section 45-1506(9) Idaho Code, the following described real property, situated in Kootenai County, State of Idaho, and described as follows, to-wit; LOT 8, BLOCK 42, O'BRIEN'S FIFTH ADDITION TO THE TOWN OF COEUR D'ALENE, ACCORDING TO THE PLAT RECORDED IN BOOK "B" OF PLATS AT PAGE 78, 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 Section 60-113 Idaho Code, the Trustee has been informed that according to the County Assessor's office, the address of 1321 E Lakeside Ave, Couer 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 David W Bean and, Jennifer L Bean, Husband and Wife, as grantors to, North Idaho Title as trustee, for the benefit and security of JP Morgan Chase Bank, National Association, successor in interest by purchase from the Federal Deposit Insurance Corporation, as Receiver of Washington Mutual Bank, FA, recorded June 29, 2007, as Instrument No. 2108146000 Mortgage Records of Kootenai County, Idaho. Said Deed of Trust was assigned on May 9, 2013 to JP Morgan Chase Bank, N.A. under Auditor's File No. 2410301000, recorded on May 15, 2013. THE ABOVE GRANTORS ARE NAMED TO COMPLY WITH SECTION 45-I506(4)(A), IDAHO CODE. NO REPRESENTATION IS MADE THAT THEY ARE, OR ARE NOT, PRESENTLY RESPONSIBLE FOR THE OBLIGATION. The default(s) for which this sale is to be made is the failure to pay when due, under the Deed of Trust note, the following The monthly payments for Principal and Interest Due from 5/1/2013 through 10/1/2014: and all subsequent payments until the date of sale or reinstatement These payments include interest at an adjustable rate. The current rate is 4.40400%. Total: $20,529.38 Late Charges: $83.90 Recoverable Balance: $1,997.46 TOTAL DEFAULT: $22,610.74 The sum owing on the obligation secured by the said trust deed consists of the principal balance of $149,262.21, together with any advances plus foreclosure fees and costs. 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. DATED: October 8, 2014. TRUSTEE /S/ William Bishop, Jr., Attorney at Law 720 Olive Way, Suite 1201 Seattle, WA 98101 (206) 622-7527 LEGAL 1756 NOVEMBER 17, 24, 2014 DECEMBER 1, 8, 2014

Legals August 27, 2011

Notice of Trustee's Sale Loan No.0999611304 T.S. No. 201100103-33991 On 11/21/2011 at 11:00 am {recognized local time), at the following location in the County of Kootenai, State of Idaho: In the lobby of Pioneer Title Company of Kootenai County located at 100 Wallace Avenue, Coeur d' Alene, ID 83814, Pioneer Title Company of Ada County dba Pioneer Lender Trustee Services, 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 real property, situated in the County of Kootenai, State of Idaho, and described as follows: The Southwest Quarter of the Northeast Quarter of Section 11, Township 48 North, Range 2 West, Boise Meridian, 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 Section 60-113 Idaho Code, the Trustee has been informed that the address of 21255 Killarney Lake Road, Cataldo, Idaho 83810 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 Lowell Zane Kelly, an unmarried man, who acquired title as, LZane Kelly, an unmarried man, as grantors, to Wells Fargo Financial National Bank, as Trustee, for the benefit and security of Wells Fargo Bank, N.A., as Beneficiary, dated 11/20/2007 and recorded on 12/13/2007, as Instrument No. 2135939000, of Official Records of Kootenai County, Idaho. Please Note: 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 set forth herein. The Default for which this sale is to be made is the failure to pay when due, under Deed of Trust and Note dated 11/20/2007. The monthly installments of principal, interest, and impounds (if applicable) of 539.89, due per month for the months of 8/15/2010 through 7/1/2011, and all subsequent installments until the date of sale or reinstatement. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $149,925.54, plus accrued interest at the rate of 4.24% per annum from 07/15/2010. 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. If the Trustee is unable to convey title for any reason, the successful bidder's sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. T.D. Service Company 1820 E. First Street, Suite 210, Santa Ana, CA 92705-4063 Sale Information Line: 714-259-7850 Reinstatement and Pay-Off Requests: (714)480-5472 THIS IS AN ATTEMPT TO COLLECT A DEBT AND INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: 07/06/2011 Pioneer Title Company of Ada County dba Pioneer Lender , Trustee Services By: Kara Lansberry, Assistant Trustee Officer ASAP# 4041506 Legal 3422 August 13, 20, 27, 2011 September 3, 2011

Legals April 6, 2013

NOTICE OF INVITING BIDS 2013 ASPHALT CHIP SEAL AND FOG SEAL BID PROPOSAL Sealed Bid Proposals for placement of an asphalt chip seal and fog seal on selected City streets will be received by the City of Post Falls, Idaho, Owner of the Work, at the office of the Clerk, City of Post Falls, located at City Hall, 408 N. Spokane Street, Post Falls, Idaho 83854, until 10:00 A.M. local time, Tuesday, April 23,2013. The Contract Documents, Specifications and Drawings may be examined and, a copy obtained at the City of Post Falls, Public Works Department, 800 N. Public Works Way, Post Falls, Idaho 83854. Bidders must have a public works contractor's license. The publication dates for this Notice of Inviting Bids are March 30, 2013, and April 6, 2013. Date: 3/25/2013 Owner: CITY OF POST FALLS By: /s/ Jim Porter, Maintenance Manager Public Works Department Legal 8158 March 30, 2013 April 6, 2013

Legals December 17, 2011

SUMMONS Case No. CV11-8820 IN THE DISTRICT COURT OF THE FIRST JUDICIAL DISTRICT OF THE STATE OF IDAHO, IN AND FOR THE COUNTY OF KOOTENAI WELLS FARGO BANK, N.A., Plaintiff, vs. WILLIAM P. WATSON (Deceased); Unknown Heirs, Assigns and Devisees of William P. Watson; EVELYN N. WATSON; SECRETARY OF HOUSING AND URBAN DEVELOPMENT; and Does 1-10 as individuals with an interest in the property legally described as: Lot 16, Block 1, Pleasant View, according to the plat recorded in Book "E" of Plats at Page 231, records of Kootenai County, Idaho. Which may commonly be known as: 4454 Pleasant Lane, Post Falls, Idaho, 83854. 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 4454 Pleasant Lane, Post Falls, Idaho, 83854. A copy of the Complaint is served with this Summons. 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 2 day of Nov., 2011. CLERK OF THE DISTRICT COURT CLIFFORD T. HAYES By: Debra D. Leu Deputy Clerk Legal 4288 December 3, 10, 17, 24, 2011

Legals November. 2, 2010

201-10 NOTICE OF TRUSTEE'S SALE At 10:30 o'clock A.M. (recognized local time) on February 01, 2011, in the Office of First American Title Company, located at, 1866 North Lakewood Dr., Coeur d'Alene, Idaho, First American Title Company, Inc. 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 Kootenai County, Idaho, and described as follows, to-wit: Portions of Government Lots 1, 2, and 3, located in Section 35, Township 54 North, Range 2 West, Boise Meridian, Kootenai County, Idaho. Described as all that Portion of said Gov't. Lots laying South of "Cape Horn Road" and East of "First Addition to Dromore" as recorded in Book "G" page 67. Less Tax Numbers and further described as follows: Beginning at the East 1/4 corner of said Section 35; Thence North 00801'31" West along the East line of said Section 35, a distance of 186.24 to an iron pin on the Southerly right-of-way of said Cape Horn Road; Thence, along said Southerly right-of-way, the following courses: North 83813'36" West a distance of 131.46 feet to a point of curve thence around a curve to the left through a central angle of 02818'55" an arc distance of 210.22 a chord bearing of North 84823'04" West a distance of 210.21 feet to a point of tangent; Thence North 85832'31" West a distance of 176.97 feet to a point of curve, thence around a curve to the right, through a central angle of 07857'26" an arc distance of 211.10 feet a chord bearing of North 81833'48" West a distance of 210.93 feet to a point of reverse curve; Thence around a curve to the left, through a central angle of 12814'39" an arc distance of 256.80 feet a chord bearing of North 83842'25" West a distance of 256.31 feet to a point of tangent; Thence North 89849'44" West a distance of 130.99 feet to a point of curve; Thence around a curve to the right through a central angle of 07816'38" an arc distance of 101.76 feet a chord bearing of North 86811'25" West a distance of 101.69 feet to a point of reverse curve; Thence around a curve to the left, through a central angle of 04815'16" an arc distance of 109.90 feet a chord bearing of North 84840'45" West a distance of 109.87 feet to a point of tangent; Thence North 86848'23" West a distance of 361.52 feet to a point of curve; Thence around a curve to the right, through a central angle of 17802'13" an arc distance of 184.36 feet a chord bearing of North 78817'16" West a distance of 183.68 feet to a point of tangent; Thence North 69846'10" West a distance of 169.71 feet to a point of curve; Thence around a curve to the left, through a central angle of 26837'50" an arc distance of 130.14 feet a chord bearing of North 83805'05" West a distance of 128.97 feet to a point of reverse curve; Thence around a curve to the right, through a central angle of 15806'15" an arc distance of 75.88 feet a chord bearing of North 88850'52" West a distance of 75.66 feet to a point of tangent; Thence North 81817'45" West a distance of 266.48 feet to a point of curve; Thence around a curve to the left, through a central angle of 21844'11" an arc distance of 87.26 feet a chord bearing of South 87850'10" West a distance of 86.73 feet to a point of reverse curve; Thence around a curve to the right, through a central angle of 20825'16" an arc distance of 169.32 feet a chord bearing of South 87810'42" West a distance of 168.42 feet to a point of tangent; Thence North 82837'18" West a distance of 146.32 feet to a point on the East Line of "First Add. To Dromore" (extended) as recorded in Book "G" of Plats page 67; Thence South 01805'39" East along said East line, a distance of 432.51 feet to an iron Pin near the high water line of Pend Oreille Lakes; Thence Easterly along said high water line to the West line to Tax #7708, the chord of which bears South 77849'44" East a distance of 1,262.01 feet; Thence around said Tax #7708 the following courses: North 06813'15" East a distance of 162.04 feet to an iron pin; Thence South 80817'45" East a distance of 312.90 feet to an iron pin; Thence South 34849'45" East a distance of 69.63 feet to a point; Thence leaving said Tax #7708 and along the North line of the 20' strip conveyed by Instrument No. 1499949, South 84800'39" East a distance of 80.19 feet to a point on the West Line of "Scenic Bay Drive" as shown on the plat of "Scenic Bay Tracts" recorded in Book "E" page 8; Thence North 01807'43" West along said West line a distance of 9.90 feet to a "X" marked in a rock at the Northwest corner of said Platted road; Thence along the Northerly boundary of said platted road the following courses: South 87842'57" East a distance of 122.72 feet to a point; Thence North 82802'03" East a distance of 179.77 feet to an iron pin; Thence South 69833'57" East a distance of 26.42 feet to a point of intersection with the Northerly right-of-way of the Unplatted road designated as "Access road to Public Road Existing"; Thence along said Northerly right-of-way, which lays 20' Northerly of the existing Traveled centerline the following courses: Around a curve to the right, through a central angle of 84810'43" an arc distance of 88.15 feet a chord bearing of North 65849'13" East a distance of 80.43 feet to a point of reverse curve; Thence around a curve to the left, through a central angle of 23811'51" an arc distance of 80.97 feet a chord bearing of South 83841'21" East a distance of 80.42 feet to a point of reverse curve; Thence around a curve to the right, through a central angle of 16858'55" an arc distance of 29.64 feet a chord bearing of South 86847'49" East a distance of 29.53 feet to a point of tangent; Thence South 78818'21" East a distance of 156.96 feet to a point of curve; Thence around a curve to the left, through a central angle of 10823'07" an arc distance of 54.38 feet a chord bearing of South 83829'55" East a distance of 54.30 feet to a point of tangent; Thence South 88841'29" East a distance of 200.95 feet to a point of curve; Thence around a curve to the left, through a central angle of 33845'16" an arc distance of 147.28 feet a chord bearing of North 74825'53" East a distance of 145.16 feet to a point of tangent; Thence North 57833'15" East a distance of 57.80 feet to a point on the Westerly line of Tax #6967; Thence North 00828'03" East along said West line a distance of 93.96 feet to an iron pin at the Northwest corner of said Tax #6967; Thence South 88847'39" East along the North line of said Tax #6967 a distance of 95.31 feet to the POINT OF BEGINNING. NOW KNOWN AS: PARCEL I: A PARCEL OF LAND LOCATED IN PORTIONS OF GOVERNMENT LOTS 1 AND 2, SECTION 35, TOWNSHIP 54 NORTH, RANGE 2 WEST, B.M., KOOTENAI COUNTY, IDAHO FURTHER DESCRIBED AS FOLLOWS: BEGINNING AT THE EAST QUARTER CORNER OF SAID SECTION 35; THENCE NORTH 00801'31" WEST ALONG THE EAST LINE OF SAID SECTION 35 A DISTANCE OF 186.24 FEET TO AN I. PIN ON THE SOUTHERLY RIGHTOF- WAY OF CAPE HORN ROAD; THENCE ALONG SAID SOUTHERLY RIGHT-OF-WAY THE FOLLOWING COURSES: NORTH 83813'36" WEST A DISTANCE OF 131.46 FEET TO A POINT OF CURVE; THENCE AROUND A 5202.28' RADIUS CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 02818'55" AN ARC DISTANCE OF 210.22' A CHORD BEARING OF NORTH 84823'04" WEST A DISTANCE OF 210.21 FEET TO A POINT OF TANGENT; THENCE NORTH 85832'31" WEST A DISTANCE OF 176.97 FEET TO A POINT OF CURVE; THENCE AROUND A 1520.00' RADIUS CURVE TO THE RIGHT, THROUGH A CENTRAL ANGLE OF 07857'26" AN ARC DISTANCE OF 211.10' A CHORD BEARING OF NORTH 81833'48" WEST A DISTANCE OF 210.93 FEET TO A POINT OF REVERSE CURVE; THENCE AROUND A CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 12814'39" AN ARC DISTANCE OF 256.80' A CHORD BEARING OF NORTH 83842'25" WEST A DISTANCE OF 256.31 FEET TO A POINT OF TANGENT; THENCE NORTH 89849'44" WEST A DISTANCE OF 130.99 FEET TO A POINT OF CURVE; THENCE AROUND A 801.16' RADIUS CURVE TO THE RIGHT THROUGH A CENTRAL ANGLE OF 07816'38" AN ARC DISTANCE OF 101.76' A CHORD BEARING OF NORTH 86811'25" WEST A DISTANCE OF 101.69 FEET TO A POINT OF REVERSE CURVE; THENCE AROUND A 1480.00' RADIUS CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 04815'16" AN ARC DISTANCE OF 109.90' A CHORD BEARING OF NORTH 84840'45" WEST A DISTANCE OF 109.87 FEET TO A POINT OF TANGENT; THENCE NORTH 86848'23" WEST A DISTANCE OF 361.52 FEET TO A POINT OF CURVE; THENCE AROUND A 620.00' RADIUS CURVE TO THE RIGHT, THROUGH A CENTRAL ANGLE OF 17802'13" AN ARC DISTANCE OF 184.36' A CHORD BEARING OF NORTH 78817'16" WEST A DISTANCE OF 183.68 FEET TO A POINT OF TANGENT; THENCE NORTH 69846'10" WEST A DISTANCE OF 105.75 FEET TO A 5/8" I. PIN; THENCE LEAVING SAID ROAD RIGHT-OF-WAY SOUTH 00841'23" EAST A DISTANCE OF 230.89' TO A 5/8" I. PIN; THENCE SOUTH 34800'00" WEST A DISTANCE OF 274.00' MORE OR LESS TO A POINT ON THE HIGH WATER LINE OF LAKE PEND OREILLE; THENCE ALONG SAID HIGH WATER LINE OF LAKE PEND OREILLE TO AN I. PIN ON THE WEST LINE OF TAX PARCEL 7708, THE CHORD OF WHICH BEARS SOUTH 71842'44" EAST A DISTANCE OF 489.99 FEET; THENCE AROUND SAID TAX NO. 7708 THE FOLLOWING COURSES: NORTH 06813'15" EAST A DISTANCE OF 162.04 FEET TO AN I. PIN; THENCE SOUTH 80817'45" EAST, A DISTANCE OF 312.90 FEET TO AN I. PIN; THENCE SOUTH 34849'45" EAST A DISTANCE OF 69.63 FEET TO A POINT; THENCE LEAVING SAID TAX NO. 7708 AND ALONG THE NORTH LINE OF THE 20' STRIP CONVEYED BY INSTRUMENT NO. 149949, SOUTH 84800'39" EAST A DISTANCE OF 80.19 FEET TO A POINT ON THE WEST LINE OF SCENIC BAY DRIVE AS SHOWN ON THE PLAT OF SCENIC BAY TRACTS RECORDED IN BOOK E, PAGE 8, RECORDS OF KOOTENAI COUNTY, IDAHO; THENCE NORTH 01807'43" WEST ALONG SAID WEST LINE A DISTANCE OF 9.90 FEET TO AN "X" MARKED IN A ROCK AT THE NORTHWEST CORNER OF SAID PLATTED ROAD; THENCE ALONG THE NORTHERLY BOUNDARY OF SAID PLATTED ROAD THE FOLLOWING COURSES: SOUTH 87842'57" EAST A DISTANCE OF 122.72 FEET TO A POINT; THENCE NORTH 82802'03" EAST A DISTANCE OF 179.77 FEET TO AN I. PIN; THENCE SOUTH 69833'57" EAST A DISTANCE OF 26.42 FEET TO A POINT OF INTERSECTION WITH THE NORTHERLY RIGHT-OF-WAY OF THE UNPLATTED ROAD DESIGNATED AS "ACCESS ROAD TO PUBLIC ROAD EXISTING"; THENCE ALONG SAID NORTHERLY RIGHT-OF-WAY, WHICH LAYS 20' NORTHERLY OF THE EXISTING TRAVELED CENTERLINE THE FOLLOWING COURSES: AROUND A 60.00' RADIUS CURVE TO THE RIGHT, THROUGH A CENTRAL ANGLE OF 84810'43" AN ARC DISTANCE OF 88.15' A CHORD BEARING OF NORTH 65849'13" EAST A DISTANCE OF 80.43 FEET TO A POINT OF REVERSE CURVE; THENCE AROUND A CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 23811'51" AN ARC DISTANCE OF 80.97' A CHORD BEARING OF SOUTH 83841'21" EAST A DISTANCE OF 80.42 FEET TO A POINT OF REVERSE CURVE; THENCE AROUND A CURVE TO THE RIGHT, THROUGH A CENTRAL ANGLE OF 16858'55" AN ARC DISTANCE OF 29.64' A CHORD BEARING OF SOUTH 86847'49" EAST A DISTANCE OF 29.53 FEET TO A POINT OF TANGENT; THENCE SOUTH 78818'21" EAST A DISTANCE OF 156.96 FEET TO A POINT OF CURVE; THENCE AROUND A 300.00' RADIUS CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 10823'07" AN ARC DISTANCE OF 54.38' A CHORD BEARING OF SOUTH 83829'55" EAST A DISTANCE OF 54.30 FEET TO A POINT OF TANGENT; THENCE SOUTH 88841'29" EAST A DISTANCE OF 200.95 FEET TO A POINT OF CURVE; THENCE AROUND A 250.00' RADIUS CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 33845'16" AN ARC DISTANCE OF 147.28' A CHORD BEARING OF NORTH 74825'53" EAST A DISTANCE OF 145.16 FEET TO A POINT OF TANGENT; THENCE NORTH 57833'15" EAST A DISTANCE OF 57.80 FEET TO A POINT ON THE WESTERLY LINE OF TAX NO. 6967; THENCE NORTH 00828'03" EAST ALONG SAID WEST LINE A DISTANCE OF 93.96 FEET TO AN I. PIN AT THE NORTHWEST CORNER OF SAID TAX NO. 6967; THENCE SOUTH 88847'39" EAST ALONG THE NORTH LINE OF SAID TAX NO. 6967 A DISTANCE OF 95.31 FEET TO THE POINT OF BEGINNING. PARCEL II: A PARCEL OF LAND LOCATED IN A PORTION OF GOVERNMENT LOTS 2 AND 3, SECTION 35, TOWNSHIP 54 NORTH, RANGE 2 WEST, B.M., KOOTENAI COUNTY, IDAHO FURTHER DESCRIBED AS FOLLOWS: BEGINNING AT A POINT ON THE SOUTHERLY RIGHT-OF-WAY LINE OF CAPE HORN ROAD AND THE COMMON LINE OF GOVERNMENT LOTS 2 AND 3 OF SAID SECTION 35, AS DESCRIBED IN EXHIBITS "C" AND "D"; THENCE ALONG SAID RIGHT-OF-WAY AROUND A 475.05' RADIUS NON-TANGENT CURVE TO THE RIGHT, THROUGH A CENTRAL ANGLE OF 18803'20" AN ARC DISTANCE OF 149.70' A CHORD BEARING OF SOUTH 88821'40" WEST A DISTANCE OF 149.08 FEET TO A POINT OF TANGENT; THENCE NORTH 82837'18" WEST A DISTANCE OF 146.32 FEET TO AN I. PIN; THENCE LEAVING SAID RIGHT OF-WAY SOUTH 01805'39" EAST A DISTANCE OF 432.51 FEET TO AN I. PIN NEAR THE HIGH WATER LINE OF LAKE PEND OREILLE; THENCE ALONG SAID HIGH WATER LINE TO A POINT ON THE COMMON LINE BETWEEN GOVERNMENT LOTS 2 AND 3, THE CHORD OF WHICH BEARS NORTH 89855'46" EAST A DISTANCE OF 283.82 FEET; THENCE CONTINUING ALONG SAID HIGH WATER LINE TO A 5/8 " I. PIN, THE CHORD OF WHICH BEARS SOUTH 76854'40" EAST A DISTANCE OF 497.50' TO A 5/8" I. PIN; THENCE LEAVING SAID HIGH WATER LINE NORTH 34800'00" EAST A DISTANCE OF 274.00' TO A 5/8" I. PIN; THENCE NORTH 00841'23" WEST A DISTANCE OF 230.89' TO A 5/8 " I. PIN ON THE SOUTHERLY RIGHT-OF-WAY OF CAPE HORN ROAD; THENCE ALONG SAID RIGHT-OF-WAY THE FOLLOWING COURSES: NORTH 69846'10" WEST A DISTANCE OF 63.96' TO A POINT OF CURVE; THENCE AROUND A CURVE TO THE LEFT THROUGH A CENTRAL ANGLE OF 26837'50" AN ARC DISTANCE OF 130.14' A CHORD BEARING OF NORTH 83805'05" WEST A DISTANCE OF 128.97' TO A POINT OF VERSE CURVE; THENCE AROUND A CURVE TO THE RIGHT THROUGH A CENTRAL ANGLE OF 15806'15" AN ARC DISTANCE OF 75.88' A CHORD BEARING OF NORTH 88850'52" WEST A DISTANCE OF 75.66' TO A POINT OF TANGENT; THENCE NORTH 81817'45" WEST A DISTANCE OF 266.48 FEET TO A POINT OF CURVE; THENCE AROUND A 230.00' RADIUS CURVE TO THE LEFT, THROUGH A CENTRAL ANGLE OF 21844'11" AN ARC DISTANCE OF 87.26' A CHORD BEARING OF SOUTH 87850'10" WEST A DISTANCE OF 86.73 FEET TO A POINT OF REVERSE CURVE; THENCE AROUND A 475.05' RADIUS CURVE TO THE RIGHT, THROUGH A CENTRAL ANGLE OF 02821'56" AN ARC DISTANCE OF 19.61' A CHORD BEARING OF SOUTH 78809'02" WEST A DISTANCE OF 19.61 FEET TO THE POINT OF BEGINNING. Information concerning the foreclosure action may be obtained from the Trustee, whose telephone number is (208) 785-2515. According to the Trustee's records, Parcel Nos. B00000354675 Tx# 21096 & B00000351300 Tx# 21095 are associated with said property. Said sale will be made without covenant or warranty regarding title, possession, or encumbrances to satisfy the obligations secured by and pursuant to the power of sale conferred in the Deed of Trust executed by, Thomas R Bertacchini, a single person as Grantor(s), First American Title Company, Inc., as Trustee, for the benefit and security of, Edgewater Timber, LLC, an Idaho limited liability company, as Beneficiary; said Deed of Trust was recorded December 07, 2000 as Kootenai County Recorder's Instrument No. 1658866. The default for which this sale is to be made is as follows: 1) Failure to pay a full payment due for March 1, 2010, a balance of $24.00 is owed; 2) Failure to make the monthly payment of $1,799.00, plus a $4.00 monthly escrow fee for a total payment of $1,803.00 due for the 1st day of April, 2010 and a like sum of $1,803.00 due for the 1st day of each and every month thereafter; 3) Failure to comply with paragraph A.4 of said Deed of Trust, to pay at least ten days before delinquency all taxes and assessments affecting said property. 2009 taxes are due and payable. 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. As of July 21, 2010 there is due and owing on the loan an unpaid principal balance of $253,027.48, accrued interest in the amount of $7,226.88 for a total amount due of $260,254.36. Interest continues to accrue on the Note at the rate of 7.500% per annum with a per diem rate of $51.992 after July 21, 2010. All delinquencies are now due together with any late charges, advances to protect the security, and fees and costs associated with this foreclosure. The Beneficiary elects to sell or cause said property to be sold to satisfy said obligation. DATED September 29, 2010 FIRST AMERICAN TITLE COMPANY, INC. /s/Becky Stucki, Trust Officer Legal 1073 October 12, 19, 26, 2010 November 2, 2010

Cd'A School District makes Landings decision

Trustees mull halting out-of- district transfers

COEUR d'ALENE — Children in the western section of The Landings subdivision in Coeur d'Alene have new school assignments for the fall.

NIC trustees respond to allegation 'falsehoods'

The NIC Board of Trustees does not routinely respond to articles in the press but we understand our athletic programs are very important to our community, as they are to us. We wish to clarify policy, and dispel recent falsehoods made about the college and our athletic programs. The Board fully supports the investigation into academic integrity violations as well as actions taken to address these violations. Decisions made thus far have been based on the results of the investigation. No other circumstances were involved. Academic integrity is the stalwart of educational institutions. This integrity ensures students obtain college credit for their efforts in their educational pursuits. NIC’s entire focus is educational opportunities for our students in safe learning environments. We have an exceptional accreditation status due largely to our policies and procedures of governance that support the academic success of our students and the high standard of ethics and integrity of our employees.

NIC responds to complaint

National organization has 30 days to determine accreditation validation

National organization has 30 days to determine accreditation validation

My Turn: Trustee addresses violence at NIC

Christie Wood says she should have filed police report when threatened by Todd Banducci.

What’s next, NIC?

Students, employees share thoughts

Coeur d’Alene - The decision to terminate former college President Rick MacLennan at the North Idaho College Board of Trustees meeting Wednesday night has left many wondering about the future of the institution.

NIC: Silent majority, speak up

The Saturday 18th My Turn in the Press suggesting the “NIC trustees are on right track” highlighted the rescinding of President MacLennan’s mask mandate as a major reason for community pushback against the trustees Banducci, McKenzie and Barns.

Post Falls School Board of Trustees moving forward with reopening plan for 2020-21

Post Falls School District Board of Trustees voted to move forward with a reopening plan for the school year 2020-21 on Wednesday night.

Eubanks seeks school trustee seat

Dave Eubanks is challenging Ann Seddon for the Zone 4 seat on the Coeur d’Alene School District Board of Trustees.

Election updates: NIC board of trustees

Nilson-Howard, Wood-Ketchum

Cd’A school board to meet Monday

The Coeur d’Alene School District board of trustees will hold its regular meeting on Monday at 5 p.m.