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LEGALS CHENEY FREE PRESS SECTION 2 Thursday, July 9, 2015 AMENDED NOTICE TO CREDITORS IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON IN AND FOR THE COUNTY OF SPOKANE No. 15-4-00777-9 In re the Matter of the Estate of: EMIL F. RIEMER, Deceased. The personal representative named below has been appoint- ed as personal representative of the estate of Emil F. Riemer, Deceased. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise ap- plicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the personal representative or the personal representative's at- torney at the addresses below stated a copy of the claim and filing the original of the claim with the court. The claim must be presented within the later of: (1) thirty days after the personal representative served or mailed the notice to the creditor as pro- vided under RCW 11.40.020(3); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is for- ever barred, except as otherwise provided in RCW 11.40.051 and RCW 11.40.060. This bar is effective as to claims against both the decedent's probate and nonprobate assets.Date of First Publication: June 25, 2015 /s/Helen H. Riemer HELEN H. RIEMER 10110 NE 149th St. Brush Prairie, WA 98606 WITHERSPOON KELLEY /s/David M. Knutson DAVID M. KNUTSON, WSBA No. 24099 Attorneys for Petitioner 422 W. Riverside Ave., Suite 1100 Spokane, WA 99201 Phone: 509-624-5265 Fax: 509-458-2728 June 25, July 2, and 9, 2015 NOTICE OF TRUSTEE'S SALE Pursuant to R.C.W. Chapter 61.24, et seq. and 62A.9A-604(a) (2) et seq. Trustee's Sale No: WA-BVS:14015515 Loan No. 0000601530 I NOTICE IS HEREBY GIVEN that the under- signed Trustee, PEAK FORE- CLOSURE SERVICES OF WASHINGTON, INC. will on July 17, 2015, at the hour of 10:00 AM, at THE SOUTH EN- "TRANCE OF THE SPOKANE~ COUNTY COURTHOUSE, 1116 W. BROADWAY AVE., SPO- KANE, WA, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real and personal property (hereafter re- f'erred to collectively as the "Property"), situated in the Coun- ty of SPOKANE, State of Wash- ngton, to-wit: THE EAST HALF OF LOTS 1 AND 2 IN BLOCK 7 OF SNYDER'S ADDITION AS PER PLATTHEREOF RECORD- ED IN VOLUME "C" OF PLATS, PAGE 29; SITUATE IN THE CITY OF SPOKANE, COUNTY OF SPOKANE, STATE OF WASHINGTON. Tax Parcel No: 35213 0701, commonly known as 1858 E. 8TH AVE, SPOKANE, WA. The Property is subject to that certain Deed of Trust dated 1 2/27/2006, recorded 12/29/2006, under Auditor's/ Recorder's No; 5479151, re- cords of SPOKANE County, Washington, from BEVERLY F. SEXTON, AN UNMARRIED IN- DIVIDUAL as Grantor, to TRANSNATION TITLE INSUR- ANCE COMPANY as Trustee, in favor of MORTGAGE ELEC- TRONIC REGISTRATION SYS- TEMS, INC., AS NOMINEE FOR WINDERMERE MORTGAGE SEVICES SERIES LLC, as Ben- eficiary, the beneficial interest in which is presently held by THE BANK OF NEW YORK MELLON FKATHE BANK OF NEW YORK, AS TRUSTEE FOR THE CER- TIFICATEHOLERS OF CWALT, NC., ALTERNATIVE LOAN TRUST2007-4CB, MORTGAGE PASS-THROUGH CERTiFI- CATES, SERIES 2007-4CB. II No action commenced by the Beneficiary of the Deed of Trust =s now pending to seek satisfac- tion of the obligation in any court by reason of the Borrower's or Grantor's default on the obliga- tion secured by the Deed of Trust. Ill The default(s) for which this foreclosure is/are made are as follows: FAILURE TO PAY THE MONTHLY PAYMENT WHICH BECAME DUE ON 5/1/2010, AND ALL SUBSE- QUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. IN ADDITION THE BENEFICIARY WILL RE- QUIRE AS A CONDITION TO REINSTATEMENT THAT YOU PROVIDE RELIABLE WRITTEN EVIDENCE THAT ALL PROP- ERTY TAXES AND HAZARD INSURANCE PREMIUMS ARE PAID CURRENT AS PROVIDED N THE DEED OF TRUST. Other potential defaults do not involve payment to the Benefi- c=ary. If applicable, each of these defaults must also be cured. Listed below are categories of common defaults which do not involve payment of money to the Beneficiary. Opposite of each such listed default is a brief de- scription of the action/documen- tation necessary to cure the de- fault. The list does not exhaust all possible other defaults; any defaults identified by Beneficiary or Trustee that are not listed below must also be cured. OTH- ER DEFAULT ACTION NECES- SARY TO CURE Nonpayment of Taxes/Assessments Deliver to Trustee written proof that all taxes and assessments against the property are paid current Default under any senior lien Deliver to Trustee wdtten proof that all senior liens are pain cur- rent and that no other defaults exist Failure to insure property against hazard Deliver to Trustee written proof that the property is insure against hazard as re- quired by the Deed of Trust Waste Cease and desist from committing waste, repair all dam- age to property and maintain property as required in Deed of Trust Unauthorized sale of prop- arty (Due on sale) Revert title to permitted vestee Failure to pay when due the following amounts which are now in arrears: Delin- quent Payments from May 01, 2010 27 payments at $1,210.49 each $ 32,683.23 28 payments at $1,388.96 each $ 38,890.88 4 payments at $1,178.85 each $ 4,715.40 (05-01~10 through 03-04-15) Late Charges $ 912,76 MTGR Rec Corp Adv $ 4,407.45 Trustee Fee $1,500.00 Certified Mailing Cost $ 77.39 Posting Cost $150.00 Publication Set- Up $ 99.00 Recording Cost $ 159.00 TSG Guarantee Policy $ 706.55 Amount to reinstate on or before 03/04/15 $ 84,301.66 The sum owing on the obligation secured by the Deed of Trust is: Principal $147,837.13, together with interest as provided in the note or otherinstrument securect, and such other costs and fees as are due under the note or other instrument secured, and as are provided by statute. V The above-described real property will be sold to satisfy the expense of sale and the obligation se- cured by the Deed of Trust as provided by statute. The sale will be made without warranty, ex- press or implied regarding title, possession, or encumbrances on July 17, 2015. The defaults) re- ferred to in paragraph III must be cured by July 6, 2015 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before July 6, 2015, (11 days be'.f~re the s&le~idate), the defbu|t(s) aS "Set f0i'th in para- graph III is/are cured and the Trustee's fees and costs are paid. The sale may be termi- nated at any time after July 6, 2015, (11 days before the sale date) and before the sale by the Borrower, Grantor, any Guaran- tor or the holder of any recorded junior lien or encumbrance pay- ing the entire principal and inter- est secured by the Deed of Trust, plus costs, fees, and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. Vl Awdtten Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the fol- lowing addresses: BEVERLY F SEXTON, 14807 GOEBEL HILL RD, GRANITE FALLS, WA, 98252 BEVERLY F SEXTON, 1858 E 8TH AVE, SPOKANE, WA, 99202 RESIDENT, 1858 E 8TH AVE, SPOKANE, WA 99202 by both first class and certified mail on 01/26/2015 proof of which is in the posses- sion of the Trustee; and on 1/26/2015, the Borrower and Grantor were personally served with said wdtten notice of default or the written Notice of Default was posted in a conspicuous place on the real property de- scribed in paragraph I above, and the Trustee has possession of proof of such service or post- ing. VII The Trustee whose name and address are set forth below will provide in wdtiog to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII The effect of the sale will be to depdve the Grantor and all those who hold by, through or under the Grantor of all of their interest in the above described property. IX 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 pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invali- dating the Trustee's Sale. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 days from the re- cording date on this notice to pursue mediation. DO NOT DE- LAY. CONTACT A HOUSING COUNSELOR OT AN ATTOR- NEY LICENSED IN WASHING- TON NOW to access your situa- tion and refer you to mediation if you eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counsel- ors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep house, you may contact the following: The statewide foreclosure hotline for assistance and referral to hous- ing counselors recommended by the Housing Finance Commis- sion: Telephone: 1-877-894- HOME (1-877-894-4663) Web site: www.wshfc.org The United States Department of Housing and Urban Development: Tele- phone: 1-800-569-4287 Web site: www.hud.gov The statewide civil legal aid hotline for assis- tance and referrals to other hous- ing: Telephone: 1-800-606-4819 Web site: www.ocla.wa.gov NO- TICE TO OCCUPANTS OR TENANTS The purchaser at the Trustee's Sale is entitled to pos- session of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants and tenants. After the 20th day following the sale the purchaser has the dght to evict occupants and tenants by sum- mary proceeding under the Un- lawful Detainer Act, Chapter 59.12 RCW. Sale Information Line: 714-730-2727 or Website: htlp://www.lpsasap.com DATED: 3/4/15 PEAK FORECLOSURE SERVICES OF WASHINGTON, INC., AS TRUSTEE One Union Square, Suite 1730, 600 Univer- sity Street Seattle, WA 98101 By: Lilian Solano, Trustee Sale Of- ficer Address for Service of Process: Peak Foreclosure Ser- vices of Washington, Inc. One Union Square, Suite 1730 600 University Street Seattle, WA 98101 (206) 682-0822 Address for Account Inquiries: Peak Fore- closure Services, Inc. 5900 Ca- noga Avenue, Suite 220 Wood- land Hills, CA 91367 (818) 591- 9237 A-4516563 06/1812015, 07/09/2015 1116 W Broadway, Spokane, The claim must be presented Washington within the later of: (1) Thirty The judgment debtor can avoid days after the Personal Repre- the sale by paying the judgment sentative served or mailed the amount of $1,900.00, together notice to the creditor as provided with interest, costs and fees be- under RCW 11.42.020(2)(c); or fore the sale date. For the exact (2) four months after the date of amount, contact the Sheriff at the first publication of the notice. If address stated below, the claim is not presented within Ozzie D. Knezovich, Sheriff this time frame, the claim is for- Spokane County ever barred, except as otherwise By Teresa Keith provided in RCW 11.42.050 and Civil Division Public Safety Build- 11.42.060. This bar is effective ing as to claims against both the Spokane, WA 99260-0300 decedent's probate and nonpro- (509) 477-6924 bate assets. Legal Description: Date of first publication: UNIT8, BLOCK7, CLEAR LAKE July2, 2015 PINES, DIVISION NO. 1, ACON- The notice agent declares under DOMINIUM AS SHOWN IN THE penalty of perjury under the law SURVEY MAP AND GROUND of the State of Washington on PLAN, RECORDED IN VOL- this 24th day of June 2015, at UME 10 OF PLATS, PAGES 11 Spokane, Washington, that the AND 12, UNDER RECORDING foregoing is true and correct. NOS. 556473C AND 556474C, /s/Robert Marcuson AND AS SUBSEQUENTLY ROBERTMARCUSON RECORDED IN VOLUME 1 Notice Agent OF CONDOMINIUMS, PAGE Address of Mailing or Service: 16 AND AS INDENTIFIED IN Attorney for Notice Agent: DECLARATION RECORDED Richard L. Sayre, WSBA#9400 IN VOLUME 93, PAGES 1676 SAYRE, SAYRE & FOSSUM TO 1687, INCLUSIVE, UNDER P.S. RE-RECORDING NO. 556475C, Address for Mailing or Service: IN SPOKANE COUNTY; WASH- West 201 North River Drive, INGTON. Suite 460 TOGETHER WITH AN UNDI- Spokane, Washington 99201- VIDED 0.7800% INTEREST 2262 IN THE COMMON AREAS AS (509) 325-7330 DESCRIBED IN PARAGRAPH July 2, 9, and 16, 2015 NO. 7 OF SAID DECLARATION, SAID UNIT BEING INTENDED FOR THE USE AS A RECRE- ATIONAL SITE. PROBATE TOGETHER WITH A 1992 MA- NOTICE TO CREDITORS RETTE 14 X 56 MOBILE HOME IN THE SUPERIOR COURT IDENTIFICATION NUMBER OF WASHINGTON FOR H006475. SPOKANE COUNTY Commonly known as: 13811 RCW 11.40.030 South Pines Boulevard, Cheney, No. 14401328-2 Washington 99004-9210 In the Matter of the Estate of: Assessor's Property Tax Parcel/ ALVIN J. HINKEL, Account Number: 04364.0708 Deceased. June 25, July 2, 9, and 16, The personal representative 2015 named below has been appoint- ed as personal representative of NOTICE TO CREDITORS this estate. Any person having a SUPERIOR COURT, NOTICE TO CREDITORS claim against the decedent must, STATE OF WASHINGTON SUPERIOR COURT OF before the time the claim would COUNTY OF SPOKANE WASHINGTON be barred by any otherwise ap- (RCW 11.40.030) COUNTY OF SPOKANE plicable statute of limitations, Case No. 15400897-0 NO. 15-4-00851-1 present the claim in the manner In the Matter of Estate of: IN RE THE ESTATE OF as provided in RCW 11.40.070 NANCY LOUISE ORCHARD, JAMES L. ARMSTRONG, by serving on or mailing to the Deceased. Deceased. personal representative or the The Personal Representative The personal representative personal representative's at- named below has been appoint- named below has been appoint- torney at the address stated ed as personal representative of ed as personal representative of below a copy of the claim and this estate. Any person having a this estate. Any person having filing the original of the claim with claim against the decedent must, a claim against the decedent the court in which the probate before the time the claim would must, before the time the would proceedings were commenced. be barred by any otherwise ap- be barred by any otherwise ap- The claim must be presented plicable statute of limitations, plicable statute of limitations, within the later of: (1)Thirtydays present the claim in the manner present the claim in the manner after the personal representative as provided in RCW 11.40.070 as provided in' RCW 11.40.070 served or mailed the notice to by serving on or mailing to the by sej'vt, r~gi~r)" or rrtail!ng tothe the credifor as provided under - p~-r~6nal Pepre-~enfat[ve oi;the~ Pet~onal Reptesentat|ve or RCW 11.40.020(i)(c); or (2) personal represedtat~'s at- tt:ie; Per~on'a 'Representatives four months after the date of torney at the address stated attorney at the address stated first publication of the notice. If below a copy of the claim and below a copy of the claim and the claim is not presented within filing the original of the claim with filing the original of the claim this time frame, the claim is for- the court in which the probate with the court. The claim must ever barred, except as otherwise proceedings were commenced, be presented within the later of: provided in RCW 11.40.051 The claim must be presented (1) Thirty days after the Personal and RCW 11.40.060. This bar within the later of: (1) Thirty days Representative served or mailed is effective as to claims against after the personal r epresentative the notice to the creditor as pro- both the decedent's probate and served or mailed the notice to vided under RCW 11.40.020(1)( nonprobate assets. the creditor as provided under c ); or (2) four months after the DATE OF FIRST PUBLICATION: RCW 11.40.020(1)(c); or (2) date of first publication of the July2, 2015 four months after the date of notice. If the claim is not pre- /s/Janis Frick first publication of the notice. If sented within this time frame Janis Frick, the claim is not presented within the claim is forever barred, Personal Representative this time frame, the claim is for- except as otherwise provided in Address: everberred, except as otherwise RCW 11.40.051 and 11.40.060. c/o Law Office of Scott Miller provided in RCW 11.40.051 and This bar is effective as to claims 222 W. Mission, Suite 106 11.40.060. Thisbar is effective against both the decedent's pro- Spokane, WA 99201 as to claims against both the bate and nonprobate assets. LAW OFFICE OF decedent's probate and non- DATE OF FIRST PUBLICATION: SCO'I-r MILLER probate assets. June 25, 2015 /s/Scott Miller Date of First Publication: PERSONAL REPRES ENTA- Scott Miller, Attorney for Estate, July 2, 2015 TIVE: Randy J. ArmstrongWSBA #31054 Personal Representative:ATTORNEY FOR PERSONAL Law Office of Scott Miller THOMAS E. HARSH REPRESENTATIVE: 222 West Mission, Suite 106 Attorney for Personal Represen- Robb E. Grangroth Post Office Box 8494 tative: James P. Spurgetis ADDRESS FOR MAILING OR Spokane, WA 99203 Address for Mailing or Service: SERVICE: Telephone (509) 835-4117 422 W. Riverside Ave., Ste 620 3021 Regal St., Ste 101,Fax (509) 413-1821 Spokane, WA.99201-0302 Spokane, WA 99223 July 2, 9, and 16, 2015 Dated this 23rd day of June, June 25, July 2, and 9, 2015 2015. /S/James P. Spurgetis PROBATE JAMES P. SPURGETIS NON PROBATE NOTICE TO CREDITORS WSBA #7949 NOTICE TO CREDITORS SUPERIOR COURT OF Attorney for Personal Repre- IN THE SUPERIOR COURT WASHINGTON FOR sentative FOR THE STATE OF KITSAP COUNTY JAMES P. SPURGETIS, P.S. WASHINGTON NO. 15-4-00507-2 ATTORNEY AT LAW IN AND FOR THE IN THE MATTER OF THE ES- 422 W. Riverside Ave., Ste 620 COUNTY OF SPOKANE TATE OF Spokane, WA 99201 RCW 11.40.030 ELEANOR W. HOOD, Telehone: (509) 444-5141 No.15-400899-6 Deceased. Facsimile: (509) 444-5143 In the Matter of the Estate of THE PERSONAL REPRESEN- July 2, 9, and 16, 2015 HELEN MAY CARR, TATIVE named below has been Deceased. appointed as personal repre- The notice agent named below sentative of this estate. Any SHERIFF'S PUBLIC NOTICE OF SALE OF REAL has elected to give notice to person having a claim against creditors of the above named the decedent must, before the PROPERTY decedent. As of the date of the time the claim would be barred IN THE SUPERIOR COURT OF THE STATE OF filing of a copy of this notice by any otherwise applicable WASHINGTON FOR with the court, the notice agent statuteoflimitations, presentthe has no knowledge of any other claim in the manner as provided SPOKANE COUNTY CAUSE NO. 2014-02-047384person acting as notice agent or in RCW 11.40.070 by serving of the appointment of a personal on or mailing to the personal CLEAR LAKE PINES BEACH representative of the decedent's representative or the personal CLUB, a Washington nonprofit estate in the State of Washing- representative's attorney at the corporation, ton. According to the records of address stated below a copy of Plaintiff the Court as are available on the the claim and filing the original vs date of the filing of this notice of the claim with the court. The TERESA J. BROWN with the Court, a cause number claim must be presented within Defendant(s) regarding the Decedent has not the later of: (1) Thirty days after TO: Teresa J, Brown. The Superior Court of Spokane been issued to any other notice the personal representative County has directed the under- agent and a personal represen- served or mailed the notice to the tative has not been appointed, creditor as provided under RCW signed Sheriff of Spokane coun- Any person having a claim 11.40.020(3); or (2) four months ty to sell the property described against the decedent must, after the date of first publication tn the legal description below to before the time the claim would of the notice. If the claim is not satisfy a judgment in the above- be barred by any otherwise ap- presented within this time frame, entitled action. If developed, plicable statute of limitations, the claim is forever barred, the property address is: 13811 present the claim in the manner except as otherwise provided South Pines Boulevard, Cheney, as provided in RCW 11.42.070 in RCW 11.40.051 and RCW Washington 99004-9210. by serving on or mailing to the 11.40.060. This bar is effective Located in County of Spokane, notice agent or the notice agent's as to claims agat nst both the State of Washington. attorney at the address stated be- decedent's probate and nonpro- Time: 10:00 a.m. low a copy of the claim and filing bate assets. Date: August 7, 2015 the original of the claim with the DATE OF FIRST PUBLICATION: Place: South entrance of Spo- court in which the notice agent's June 25, 2015 kane County Courthouse declaration and oath were filed. LAURA LYON, Personal Rap- resentative TOLMAN KIRK CLUCAS By:/s/Jeffrey L. Tolman JEFFREY L. TOLMAN WSBA #8001 Attorneys for Personal Repre- sentative ADDRESS FOR MAILING AND SERVICE: 18925 Front Street NE PO Box 851 Poulsbo, WA 98370 LAW OFFICES OF TOLMAN KIRK CLUCAS, PLLC P.O. BOX 851 POULSBO, WASHINGTON 98370 (360) 779-5561/fax (360) 779-2516 June 25, July 2, and 9, 2015 PROBATE NOTICE TO CREDITORS IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON FOR SPOKANE COUNTY RCW 11.40.020, 11.40.030 No. 15400933-0 IN THE MATTER OF THE ESTATE OF RICHARD C. JARVIS, Deceased. The Personal Representative named below has been ap- pointed as Personal Repre- sentative of this estate. Any person having a claim against the Decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the Personal Representative or the Personal Representative's attorney at the address stated below a copy of the claim and filing the original of the claim with the court. The claim must be presented within the later of: (1) thirty days after the Personal Representative served or mailed the notice to the creditor as provided under RCW 11.40.020(3); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is for- ever barred, except as otherwise provided in RCW 11.40.051 and 11.40.060. This bar is effective as to claims against both the probate and nonprobate assets of the decedent. Date of First Publication: July 9, 2015 /s/Jolene S. Jarvis JOLENE S. JARVIS, Personal Representative of the Estate of Richard C. Jarvis PREPARED BY: BRIAN G. GOSLINE P.C. /s/Brian G. Gosline BRIAN G. GOSLINE Attorney for Personal Repre- sentative WSBA No. 19225 Bdan G. Gosline, P.C. Suite 813 601 West Main Spokane, WA 99201 (509) 747-2002 July 9, 16, and 23, 2015 PROBATE NOTICE TO CREDITORS IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON IN AND FOR THE COUNTY OF SPOKANE RCW 11.40.030 No. 15-4-00843-1 In the matter of the Estate of... MARY E. MESSER Deceased The personal representative named below has been appoint- ed as personal representative of this estate. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise ap- plicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the personal representative or the personal representative's at- torney at the address stated below a copy of the claim and filing the original of the claim with the court. The claim must be presented within the later of: (1) Thirty days after the personal representative served or mailed the notice to the creditor as pro- vided under RCW 11.40.020(3); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is for- ever barred, except as otherwise provided in section 11 of this act and RCW 11.40.060. This bar is effective as to claims against both the decedent's probate and non-probate assets. Date of Filing: June 16, 2015 Date of First Publication: June 25, 2015 /s/Patdcia A. Messer PATRIC IA A. MESSER Personal Representative Is~ Jay O. Violette JAY O. VIOLETTE, WSBA #6309 Attorney for Personal Representative 4407 N. Division #714 Spokane, WA 99207 (509) 484-3818 JAY O. VIOLETTE ATTORNEY AT LAW 4407 N. Division #714 Spokane, WA 99207 PHONE (509) 484-3818 FAX (509) 482-1942 June 25, July 2. and 9, 2015