NOTICE OF TRUSTEE'S SALE On Monday the 12th day of January, 2026, 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: Lot 6 in Block 4 of Marcus-Baker Subdivision, according to the plat thereof, filed in Book 12 of Plats at page(s) 766, records of Ada 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 820 N. Baker St., 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 BENJAMIN J JOHNSON and OLIVIA D MARTIN, Husband and Wife, Grantor, to Ryan M. Fawcett, a member of the Idaho State Bar, as Successor Trustee, an IDAHO CENTRAL CREDIT UNION, as Beneficiary, recorded September 13, 2024, as Instrument No. 2024-050873, 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 THEY ARE, OR HAVE 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 Open-End Home Equity Credit Agreement and Truth in Lending Disclosure and Addendum dated September 9, 2024, in the amount of $419.63 for the most recent receivable and past due, for the months of March through July, 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 11.50% per annum from February 25, 2025, 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 $42,963.61, plus accrued interest at the current variable rate of 11.50% per annum from February 25, 2025. DATED This 11th day of September, 2025. ______/s/______ RYAN M. FAWCETT, a Member of the Idaho State Bar, SUCCESSOR TRUSTEE IPL0274460 Sep 19,26,Oct 3,10 2025