NOTICE OF TRUSTEE'S SALE On Thursday, the 16th day of October, 2025, at the hour of 10:00 o'clock a.m. of said day at Alliance Title & Escrow, 9465 W. Emerald St., Ste 120, Boise, in the County of Ada, 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 Ada, State of Idaho, and described as follows, to-wit: PARCEL 1 Part of Lot 1 in Block 10 of Scott's Second Subdivision, according to the official plat thereof, file in Book 1 of Plats at Page 38, official records, and more particularly described as follows: Commencing at the intersection of the center line of Third Street and Garden Avenue in Scott's Second Subdivision, in Ada County, Idaho, and running thence West along the center of Third Street 585 feet to a point; thence South 25 feet to a point, the REAL PLACE OF BEGINNING; thence South parallel to the centerline of Garden Avenue 297 feet to a point on the alley; thence West along the North line of the alley 67 feet to a point; thence North parallel to the center line of Garden Avenue 297 feet to a point on the South side of Third Street; thence East 67 feet to the PLACE OF BEGINNING. EXCEPT THE FOLLOWING; Commencing at the intersection of the center line of Third Street (Morris Hill Road) and Garden Avenue, in Scott's Second Subdivision in Ada County, Idaho, and running thence West along the center of Third St. (Morris Hill Road) 585 feet to a point; thence South 222.44 feet to the REAL POINT OF BEGINNING; thence South parallel to the centerline of Garden Avenue 99.56 feet to a point on the alley; thence West along the North line of the alley 67 feet to a point; thence North parallel to the centerline of Garden Avenue 99.56 feet to a point; thence East 67 feet to the PLACE OF BEGINNING. PARCEL 2 Part of Lot 1 in Block 10 of Scott's Second Subdivision, according to the official plat thereof, filed in Book 1 of Plats at Page 38, records of Ada County, Idaho and more particularly described as follows: Commencing at the intersection of the centerline of Morris Hill Road and Garden Avenue in Scott's Second Subdivision in Ada County, Idaho; running thence West along the center of Morris Hill Road 585 feet to a point; thence South 222.44 feet to the REAL POINT OF BEGINNING; thence South parallel to the centerline of Garden Avenue 99.56 feet to a point on the alley; thence West along the North line of the alley 67 feet to a point; thence North parallel to the centerline of Garden Avenue 99.56 feet to a point; thence East 67 feet to the PLACE OF BEGINNING. LESS a portion more particularly described as: Commencing at the Southeast corner of said Lot l in Block 10 of Scott's Second Subdivision, according to the official plat thereof, filed in Book 1 of Plats at Page 38, records of Ada County, Idaho; thence North 89°33'30" West, 560.17 feet to a point, said point being the Southwest corner of Bews Subdivision as recorded in Book 18 of Plats at Page 1197, official records of Ada County, Idaho, said point being the REAL POINT OF BEGINNING; thence continuing North 89°33'30" West, 6.00 feet to a point; thence North 0°01'59" East, 28.96 feet to a point; thence South 89°58' East, 6.00 feet to a point on the West boundary line of said Bews Subdivision; thence South 0°02' West, 29.00 feet to a point, said point being the REAL POINT OF BEGINNING. 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 4723 W. Morris Hill Rd., Boise, 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 RUSSELL D. MCNALLY, an Unmarried Man, Grantor, to Ryan M. Fawcett, a member of the Idaho State Bar, as Successor Trustee, an IDAHO CENTRAL CREDIT UNION, as Beneficiary, recorded May 7, 2018, as Instrument No. 2018-040866, Mortgage records of Ada County, Idaho. THE ABOVE GRANTOR IS NAMED TO COMPLY WITH SECTION 45-1506 (4)(a), IDAHO CODE. NO REPRESENTATION IS MADE THAT HE IS, OR IS NOT, PRESENTLY RESPONSIBLE FOR THIS OBLIGATION. Said sale is a public auction for which the bid price must be paid immediately upon close of bidding by certified funds in the form of cashier's checks, certified checks, or valid money orders only. If the Trustee is unable to convey title for any reason whatsoever, the successful bidder's exclusive and sole remedy shall be the return of actual monies paid to the Successor Trustee and the successful bidder shall have no further recourse. The default for which this sale is to be made is the failure to pay when due, monthly installment payments under the Home Equity Line of Credit Agreement and Disclosure Statement dated May 1, 2018, in the amount of $344.37 for the most recent receivable and past due, for the months of June, 2024 through April, 2025, inclusive. All delinquent payments are now due, plus accumulated late charges, plus all advances, plus any costs or expenses associated with this foreclosure. The accrued interest is at the current variable rate of 10.50% per annum from May 25, 2024, and the Beneficiary elects to sell or cause the trust property to be sold to satisfy said obligation. The principal balance owing as of this date on the obligation secured by said Deed of Trust is $36,962.45, plus accrued interest at the current variable rate of 10.50% per annum from May 25, 2024. DATED This 17th day of June, 2025. RYAN M. FAWCETT, a Member of the Idaho State Bar, SUCCESSOR TRUSTEE IPL0249940 Jul 2,9,16,23 2025