Capital – Liverpool IL http://liverpool-il.com/ Sat, 04 Dec 2021 06:26:40 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://liverpool-il.com/wp-content/uploads/2021/04/default1-150x150.png Capital – Liverpool IL http://liverpool-il.com/ 32 32 Legal Notices, March 19, 2021 https://liverpool-il.com/legal-notices-march-19-2021/ https://liverpool-il.com/legal-notices-march-19-2021/#respond Tue, 27 Apr 2021 04:46:33 +0000 https://liverpool-il.com/?p=1633 CITY OF ENCINITAS DEVELOPMENT SERVICES DEPARTMENT 505 S. Vulcan Avenue, Encinitas, CA 92024 Phone: (760) 633-2710 | Email: [email protected] | Web: www.encinitasca.gov City Hall Hours: Monday through Thursday 7:30 AM to 5:30 PM and  Friday 7:30 AM TO 4:30 PM  NOTICE OF PENDING ACTION ON ADMINISTRATIVE APPLICATIONS  AND COASTAL DEVELOPMENT PERMITS 1. PROJECT NAME: Adamick […]]]>

CITY OF ENCINITAS DEVELOPMENT SERVICES DEPARTMENT 505 S. Vulcan Avenue, Encinitas, CA 92024 Phone: (760) 633-2710 | Email: [email protected] | Web: www.encinitasca.gov City Hall Hours: Monday through Thursday 7:30 AM to 5:30 PM and  Friday 7:30 AM TO 4:30 PM  NOTICE OF PENDING ACTION ON ADMINISTRATIVE APPLICATIONS  AND COASTAL DEVELOPMENT PERMITS 1. PROJECT NAME: Adamick Single-Family Residence; CASE NUMBER: CDP-004002-2020; FILING DATE: August  25, 2020; APPLICANT: Adamick Family Trust; LOCATION: 128 West Glaucus (APN: 254-242-10-00); PROJECT DESCRIPTION: Request for a Coastal Development Permit for the demolition of a single-family residence, and construction of a new primary single-family residence with an Accessory Dwelling Unit (ADU) and a Junior Accessory Dwelling Unit (JADU) with site improvements; ZONING/OVERLAY: The project site is located within in the Residential 11 (R11) Zone and the Coastal Overlay Zone; ENVIRONMENTAL STATUS: The project is exempt from environmental review pursuant to the California Environmental Quality Act (CEQA) Guidelines Sections 15301(l)(1) and 15303(a) which exempts demolition of an existing single-family structure and related accessory structures/uses, and construction of a new single-family structure and related accessory structures/uses, respectively. STAFF CONTACT: J. Dichoso, AICP, Associate Planner, 760-633-2681, [email protected] 2. PROJECT NAME: Jackson Single-Family Residence; CASE NUMBER: MULTI-003963-2020; BADJ-003964-2020; CDP-003965-2020; FILING DATE: August 3, 2020; APPLICANT: Rodell Jackson; LOCATION: 2273 and 2275 Oxford Avenue (APN: 261-081-43-00); PROJECT DESCRIPTION: Request for a Boundary Adjustment and Coastal Development Permit to demolish a duplex, construct a single-family residence and consolidate two legal lots into one lot.  The applicant will be utilizing a temporary construction trailer during construction; ZONING/OVERLAY:  The project site is located within in the Residential 11 (R-11) Zone, Special Study Overlay Zone and the Coastal Overlay Zone; ENVIRONMENTAL STATUS: The project is exempt from environmental review pursuant to the California Environmental Quality Act (CEQA) Guidelines Sections 15301(l)(1) and 15303(a),which exempts the demolition of a duplex and the construction of a new single-family residence.  STAFF CONTACT: Andrew Maynard, Senior Planner, 760-633-2718, [email protected] PRIOR TO 5:30 PM ON MONDAY, MARCH 29, 2021 ANY INTERESTED PERSON MAY REVIEW THE APPLICATIONS AND PRESENT TESTIMONY, ORALLY OR IN WRITING, TO THE DEVELOPMENT SERVICES DEPARTMENT.  WRITTEN TESTIMONY IS PREFERRED IN ORDER TO HAVE A RECORD OF THE COMMENTS RECEIVED. If additional information is not required, the Development Services Department will render a determination on the application, pursuant to Section 2.28.090 of the City of Encinitas Municipal Code, after the close of the review period.  An Appeal of the Department’s determination accompanied by the appropriate filing fee may be filed within 15-calendar days from the date of the determination for Item 1 and within 10-calendar days for Item 2.  Appeals will be considered by the City Council pursuant to Chapter 1.12 of the Municipal Code.  Any filing of an appeal will suspend this action as well as any processing of permits in reliance thereon in accordance with Encinitas Municipal Code Section 1.12.020(D)(1) until such time as an action is taken on the appeal. The above items are located within the Coastal Zone and require the issuance of a regular Coastal Development Permit.  The action of the Development Services Director for the above items may not be appealed to the California Coastal Commission. Under California Government Code Sec. 65009, if you challenge the nature of the proposed action in court, you may be limited to raising only those issues you or someone else raised regarding the matter described in this notice or written correspondence delivered to the City at or prior to the date and time of the determination. 03/19/2021 CN 25213

CITY OF ENCINITAS DEVELOPMENT SERVICES DEPARTMENT LEGAL NOTICE OF PUBLIC HEARING  BY THE CITY COUNCIL PLACE OF MEETING: Council Chambers, Civic Center 505 S. Vulcan Avenue Encinitas, CA 92024 THE ABOVE-MENTIONED AGENCY IS AN EQUAL OPPORTUNITY PUBLIC ENTITY AND DOES NOT DISCRIMINATE ON THE BASIS OF RACE, COLOR, ETHNIC ORIGIN, NATIONAL ORIGIN, SEX, RELIGION, VETERANS STATUS OR PHYSICAL OR MENTAL DISABILITY IN EMPLOYMENT OR THE PROVISION OF SERVICE.  IN COMPLIANCE WITH THE AMERICANS WITH DISABILITIES ACT/SECTION 504 REHABILITATION ACT OF 1973, IF YOU NEED SPECIAL ASSISTANCE TO PARTICIPATE IN THESE MEETINGS, PLEASE CONTACT THE CITY CLERK AT (760) 633-2601 AT LEAST 72 HOURS PRIOR TO THE MEETING. PARA ASISTENCIA EN ESPAÑOL, POR FAVOR LLAME AL (760) 943-2150. PURSUANT TO THE STATE OF CALIFORNIA EXECUTIVE ORDERS AND AMENDED COUNTY HEALTH ORDERS, MEMBERS OF THE PUBLIC WILL ONLY BE ALLOWED TO PARTICIPATE IN MEETINGS ELECTRONICALLY. PUBLIC COMMENT PRIOR TO THE MEETING: to submit a comment in writing, email [email protected] and include the agenda item number and/or title of the item in the subject line. If the comment is not related to an agenda item, indicate oral communication in the subject line. All e-mail comments received by 3:00 p.m. on the day of the meeting will be emailed to the city council members and made a part of the official record. Please note, e-mail comments received prior to the meeting will no longer be read at the meeting. PUBLIC COMMENT DURING THE MEETING (INCLUDING ORAL COMMUNICATIONS, AND COMMENTS RELATED TO CONSENT CALENDAR ITEMS AND ACTION ITEMS): to provide public comment during the meeting, you must register by 2:00 p.m. on the day of the meeting to join the council meeting webinar. You do not need to register to watch but must register if you wish to speak. Members of the public will not be shown on video; they will be able to watch and listen, and to speak when called upon. Each speaker is allowed three (3) minutes to address the city council. Please be aware that the mayor has the authority to reduce equally each speaker’s time to accommodate a larger number of speakers. All comments are subject to the same rules as would otherwise govern speaker comments at the meeting. Speakers are asked to be respectful and courteous. Please address your comments to the council as a whole and avoid personal attacks against members of the public, elected officials, and city staff. To register to speak at this meeting, go to the Agenda for this meeting found on the City’s website at: https://encinitasca.gov/Government/Agendas-Webcasts. It is hereby given that the City Council will conduct a Public Hearing on Wednesday, April 7, 2021, at 6:00 p.m., to discuss the following item of the City of Encinitas: CASE NUMBER: PLCY-003816-2020 GPA; APPLICANT:  City of Encinitas; LOCATION:  City-wide; PROJECT DESCRIPTION:  Public hearing to consider the update to the City’s Housing Element for the 2021-2029 housing cycle. On March 4, 2021, Planning Commission recommended approval with an additional objective to study the impact of non-owner occupied short-term lodging on the availability of housing. The Housing Element is required by State law to identify and analyze existing and projected housing needs in order to preserve, improve and develop housing for all economic segments of the community, and demonstrate how the City will accommodate its fair share of regional housing needs. The City of Encinitas is updating the Housing Element consistent with the requirements of State law.  No changes in the zoning of sites are proposed in the Housing Element.  ENVIRONMENTAL STATUS: It has been determined that the proposed Housing Element is exempt from the California Environmental Quality Act (CEQA) pursuant to Section 15061(b)(3) of the CEQA Guidelines because it can be seen with certainty that there is no possibility that the proposed Housing Element would have a significant effect on the environment, in that no new policies adopted would have the potential for causing a reasonably foreseeable direct or indirect change in the physical environment. For further information, please contact Jennifer Gates, Principal Planner, at [email protected] or contact the Development Services Department at 760-633-2710, or by mail at 505 South Vulcan Avenue, Encinitas, CA 92024.   The Public Review Draft is available for review on the City’s website at: https://encinitasca.gov/I-Want-To/Housing-Plan-Update/Housing-Update-2021-2029. Due to the COVID-19 outbreak, effective March 18, 2020, all City facilities are closed to the public. Hard copies will be mailed upon request. Should City facilities re-open during the public review period, it will also available for review at the City of Encinitas Development Services Department: Encinitas Civic Center, 505 South Vulcan Avenue, Encinitas, CA 92024. Copies will also be available at City Hall, Encinitas and Cardiff Libraries, and the Senior and Community Center during normal business hours, once open to the public. La presentación será en inglés. Llame al (760) 943-2150 antes del 1 de abril si necesita servicios de traducción durante la presentación. Para obtener más información, comuníquese con Jennifer Gates, Planificador Principal por correo electrónico [email protected]. Para asistencia en español, por favor llame al (760) 943-2150. Under California Government Code Section 65009, if you challenge the nature of the proposed action in court, you may be limited to raising only the issues you or someone else raised regarding the matter described in this notice or written correspondence delivered to the City at or before the time and date of the determination. 03/19/2021 CN 25212

CITY OF CARLSBAD NOTICE OF PUBLIC HEARING FY 2021 PUBLIC HOUSING AGENCY ANNUAL PLAN  NOTICE IS HEREBY GIVEN that the City Council, acting as the Community Development Commission of the City of Carlsbad will hold a virtual public hearing at 3:00 PM on Tuesday, March 23, 2021, to consider approval and authorizing submittal of the Public Housing Agency Annual Plan to the U.S. Department of Housing and Urban Development. Those persons with interest are invited to submit comments and/or questions or watch the meeting on the city’s website:  https://www.carlsbadca.gov/news/citytv.asp  The City of Carlsbad’s Draft Public Housing Agency Annual Plan is available for public review.  Copies of this document are available for review at:  City Libraries (1250 Carlsbad Village Drive and 1775 Dove Lane), Housing Services (1200 Carlsbad Village Drive), Senior Center (799 Pine Ave), and the website:  www.carlsbadca.gov/housing  If you have any questions or would like a copy of the Staff Report, please contact Bobbi Nunn, Housing Program Manager, at 760-434-2816. You may also provide your comments in writing to Housing Services at 1200 Carlsbad Village Drive, Carlsbad, CA  92008 or by e-mail to [email protected]   COMMUNITY DEVELOPMENT COMMISSION 03/19/2021 CN 25211

CITY OF ENCINITAS URGENCY ORDINANCE 2021-03 AN URGENCY ORDINANCE OF THE CITY COUNCIL OF THE CITY OF ENCINITAS ESTABLISHING A TEMPORARY LIMIT ON THE CHARGES IMPOSED BY THIRD-PARTY DELIVERY SERVICES ON RETAIL FOOD ESTABLISHMENTS DURING THE DECLARED STATE OF EMERGENCY RESULTING FROM THE COVID-19 PANDEMIC WHEREAS, on March 4, 2020, the Governor proclaimed a statewide emergency regarding the novel COVID-19 virus; and WHEREAS, Encinitas Municipal Code Sections 2.50.050 and 2.50.060 identifies the Emergency Services Director as the City Manager and empowers them to proclaim the existence or threatened existence of a local emergency when the City of Encinitas (“City”) is affected or likely to be affected by a public disaster; and  WHEREAS, on March 16, 2020, the Emergency Services Director declared a Proclamation of a Local Emergency in the City; and  WHEREAS, on March 18, 2020, the City Council ratified the Emergency Director’s proclamation of the existence of a local emergency in response to the COVID 19 pandemic, and the City is still under the Proclamation of Local Emergency and Statewide emergency; and WHEREAS, on March 19, 2020, Governor Gavin Newsom issued an Executive Order (N-33-20) for all non-essential workers to stay-at-home (shelter-in-place), for individuals to practice “social distancing” of at least six feet from other individuals, for individuals to avoid congregating in groups of 10 or more, and generally for individuals to avoid contact with others in order to protect the health and well-being of all Californians and to slow the spread of COVID-19; and WHEREAS, subsequently, both state and local health officials have issued a number of additional orders to combat the COVID-19 pandemic; and WHEREAS, since March of 2020, businesses that have been designated as non-essential in the City that primarily serve the community and visitors, including restaurants and cafes, are experiencing a significant financial impact as a result of COVID-19, including the “shelter-in-place” orders, capacity limitations, and other restrictions on their operations; and WHEREAS, the restrictions on restaurants and other similar establishments have placed a sudden and severe financial strain on many establishments, particularly those that are small businesses already operating on thin margins, adding to financial pressures in the industry that predate the COVID-19 pandemic; and WHEREAS, a significant number of businesses have temporarily closed or are providing limited service, and uncertainty exists as to when the restrictions on their operations will be lifted and whether they will be able to survive financially; and  WHEREAS, restaurants have increasingly needed to rely upon take-out orders and orders delivered by third-party food delivery services such as Grubhub Inc., Uber Eats and DoorDash Inc., among others; and  WHEREAS, such delivery services come at a considerable cost to these restaurants, with third-party delivery companies imposing commissions, fees, and services charges of 20-30% and upwards, creating economic hardship for small businesses throughout the City; and WHEREAS, restaurants generally, and particularly restaurants that are small businesses with few locations, have limited bargaining power to negotiate lower fees with third-party food delivery companies, and this only becomes more significant given the high market saturation of these third-party food delivery companies and the dire financial straits that small business restaurants are facing during the COVID-19 emergency; and WHEREAS, COVID-19 is having an immediate impact on local employment and the potential loss of jobs; and WHEREAS, public agencies through the State (and throughout the country) have begun placing limits on the costs of such third-party delivery services, and the City is in support of capping the delivery fees charged by these food delivery services to the restaurant owners and operators so they may continue to perform an essential function of providing access to food via delivery and pick-up options and to address food insecurity to those who are unable to obtain food in other ways; and WHEREAS, section 2.50.060 of the Encinitas Municipal Code empowers the Emergency Services Director of the City to make and issue rules and regulations on matters reasonably related to the protection of life and property as affected by such emergency; provided, however, such rules and regulations are confirmed at the earliest practicable time by the City Council; and WHEREAS, on February 26, 2021, the Emergency Services Director, pursuant to her authority under section 2.50.060 of the Encinitas Municipal Code and Government Code section 8634, issued an emergency proclamation capping the fees charged to restaurants by meal delivery companies at 15% of the menu price, effective immediately; and WHEREAS, in order to protect our local restaurant industry and its consumers, including preserving local employment and avoiding the potential loss of jobs, a continuation of the 15% limit on third-party delivery fees is necessary for the immediate preservation of the public peace, health or safety. NOW, THEREFORE, the City Council of the City of Encinitas, California does ordain as follows: SECTION 1. Urgency Clause. The facts set forth in the recitals are true and correct and are incorporated herein by this reference. The recitals constitute findings in this matter and, together with the staff report, other written reports, public testimony and other information contained in the record, are an adequate and appropriate evidentiary basis for the actions taken in this urgency ordinance. Specifically, the City Council finds and declares that this ordinance is required for the immediate preservation of public peace, health or safety as a result of the state of emergency declared by the State of California and the City of Encinitas due to the COVID-19 pandemic. Retail food establishments have been subjected to operational limitations throughout the pandemic and have been closed, limited to serving customers outside, and/or have been subjected to limits on indoor customer capacity, due to social distancing requirements. While retail food establishments are closed or limited in their ability to utilize indoor or outdoor premises at full capacity, they are highly reliant on third-party food delivery services. Due to the high fees imposed by third-party food delivery services, many retail food establishments have limited or no ability to absorb such costs and must increase food prices to stay in business. Residents who rely on food delivery may be not be able to absorb increased food prices. Also, some retail food establishments being charged high fees struggle to remain financially viable. If these retail food establishments close, their workers will lose employment, which affects their ability to feed and shelter their families.   SECTION 2.  Definitions. For purposes of this urgency ordinance, the following definitions apply: 1. “City” means the City of Encinitas. 2. “Delivery Fee” means any fee, commissions, charge, or combination thereof, charged by a Third-party Food Delivery Service for providing a Retail Food Establishment with a service that delivers food and beverages from such establishment to customers. 3. “Online Order” means an order placed by a customer through or with the assistance of a platform provided by a Third-party Food Delivery Service, including a telephone order, for delivery or pick-up within the City. 4. “Purchase Price” means the price, as listed on the menu of a Retail Food Establishment, for the items contained in an Online Order, minus any applicable coupon or promotional discount provided to the customer by the Retail Food Establishment through the Third-Party Food Delivery Service. This definition does not include taxes, gratuities, and any other fees or costs that may make up the total amount charged to the customer of an Online Order. 5. “Retail Food Establishment” means a restaurant, delicatessen, bakery, coffee shop, or other eat-in or carry-out service of processed or prepared raw and ready-to-eat food or beverages. 6. “Third-party Food Delivery Service” means any website, mobile application, or other internet service that offers or arranges for the sale of food and beverages prepared by, and the delivery or pick-up of food and beverages from Retail Food Establishments located in the City that are each owned and operated by different persons. SECTION 3. Prohibition. It shall be unlawful for a Third-party Food Delivery Service to charge a Retail Food Establishment a Delivery Fee that totals more than fifteen (15) percent of the Purchase Price of each Online Order. SECTION 4. Operative Dates/Sunset. This urgency ordinance shall sunset and cease to be in effect upon the lifting of the state and local public health orders related to the COVID-19 emergency. SECTION 5. Severability. If any section, subsection, sentence, clause phrase or part in this urgency ordinance, or any provision’s application to any person or circumstance, is for any reason held to be invalid or unconstitutional by the final decision of any court of competent jurisdiction, such decision shall not affect the validity of the remaining parts of this urgency ordinance. The city council declares that it would have adopted this urgency ordinance and each provision, section, sentence, clause, phrase or parts thereof, irrespective of the fact that any one or more provisions, sections, clauses, phrases, or parts be declared invalid or unconstitutional. SECTION 6.  Effective Date.  This urgency ordinance is enacted pursuant to the authority conferred upon the City Council by Government Code section 36937 and shall take effect immediately upon adoption by a four-fifths (4/5) vote of the City Council.  Within fifteen (15) days of adoption, the City Clerk of the City of Encinitas shall cause this Ordinance to be published pursuant to the provisions of Government Code section 36933. INTRODUCED, PASSED, APPROVED AND ADOPTED at a regular meeting of the City Council of the City of Encinitas, California, on the 10th day of March, 2021. Catherine S. Blakespear, Mayor ATTEST: Kathy Hollywood, City Clerk APPROVED AS TO FORM: Leslie E. Devaney, City Attorney CERTIFICATION:  I, Kathy Hollywood, City Clerk of the City of Encinitas, California, do hereby certify under penalty of perjury that the foregoing Urgency Ordinance was duly and regularly adopted at a meeting of the City Council on the 10th day of March, 2021, by the following vote: Ayes: Blakespear, Hinze, Kranz, Lyndes, Mosca  Nays: None Absent: None Abstain: None  IN WITNESS WHEREOF, I have hereunto set my hand and affixed the official seal of the City of Encinitas, California. Kathy Hollywood, City Clerk 03/19/2021 CN 25203

CITY OF ENCINITAS PUBLIC NOTICE OF ORDINANCE ADOPTION ORDINANCE NO. 2021-01 NOTICE IS  HEREBY  GIVEN  that  the  City  Council  of  the  City  of  Encinitas has adopted Ordinance No. 2021-01 entitled, titled “An Ordinance of the City of Encinitas, California, Establishing Speed Limit on Via Cantebria.” Section 40802 of the Vehicle Code requires that an Engineering and Traffic Survey (E&TS) be conducted on non-local streets or highways where enforcement involves the use of radar or other electronic devices.  The City has conducted a comprehensive E&TS on Via Cantebria and has completed these Engineering and Traffic Surveys in accordance with the provisions of Sections 627, 21400(b) and 22358.5 of the California Vehicle Code to reevaluate the current posted speed limit of 25 mph and to determine the possibility of establishing a new speed limit. Based on the results of the E&TS, the City has determined the reasonable speed limit for Via Cantebria between Garden View Road and Town Center Drive to be 30 mph.   Ordinance 2021-01 was introduced at the Regular City Council meeting held on February 17, 2021 and adopted at the Regular City Council meeting held on March 10, 2021 by the following vote:  AYES:  Blakespear, Hinze, Kranz, Lyndes; NAYS: Mosca; ABSTAIN:  None. ABSENT: None.  In compliance with the Americans with Disabilities Act/Section 504 Rehabilitation Act of 1973 and Title VI, this agency is an equal opportunity public entity and does not discriminate on the basis of race, color, ethnic origin, national origin, sex, religion, veteran status or physical or mental disability in employment or the provision of service.  If you require special assistance to participate in this meeting, please contact the City Clerk’s Office at 760-633-2601 at least 72 hours prior to the meeting.  /Kathy Hollywood, City Clerk 03/19/2021 CN 25202

CITY OF ENCINITAS YOUTH COMMISSION ANNUAL RECRUITMENT  FOR THE 2021-22 SCHOOL YEAR  NOTICE IS HEREBY GIVEN that the City of Encinitas is accepting applications for appointment to the Youth Commission representing grades 7 through 12.   Applicants must apply online from the City’s web site located at: http://www.encinitasca.gov/Government/Boards-Commissions/Youth-Commission.  For additional information regarding your application, you may contact the City Clerk at 505 South Vulcan Avenue in Encinitas, by phone at (760) 633-2601, or by email [email protected].  • All applications must be submitted no later than 5:00 p.m. on Thursday, April 15, 2021.  • Applicants must be residents of the City of Encinitas.  • Youth Commission composition shall include representatives from school grades 7 through 12.  • Applicants may be asked to meet with City Council Members at a future Council Meeting (date to be determined) to briefly discuss their reasons for seeking appointment to the Youth Commission (e.g. a 2–3-minute presentation by the applicant).  • Youth Commissioners must be able to attend commission meetings on the first Wednesday of each month at 4:30 p.m. and participate in Youth Commission projects and subcommittees.   The Youth Commission consists of up to nine (9) voting members all serving a one-year term.  Youth Commission duties include:  • Development of an Annual Work Plan. • Review and updates on the Youth/Teen Master Plan. • Advising the City Council on matters regarding youth/teen services and programs. • Cooperation with other public and private agencies.  If you have any Youth Commission specific questions, please contact Ken Rundle of the Parks and Recreation Department at (760) 943-2261. 03/19/2021 CN 25196

NOTICE OF TRUSTEE’S SALE Trustee Sale No. 141412 Title No. 180380352 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 12/23/2004. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 04/09/2021 at 9:00 AM, The Mortgage Law Firm, PLC, as duly appointed Trustee under and pursuant to Deed of Trust recorded 12/30/2004, as Instrument No. 2004-1232979, in book xx, page xx, of Official Records in the office of the County Recorder of San Diego County, State of California, executed by Marvin B. Graham, A Single Man, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (payable at time of sale in lawful money of the United States), At the entrance to the East County Regional Center, 250 E. Main Street, El Cajon, CA 92020. All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State, described as: FULLY DESCRIBED IN THE ABOVE DEED OF TRUST. APN 183-391-47-00 The street address and other common designation, if any, of the real property described above is purported to be: 1418 Andorra Court, Vista, CA 92081 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $789,275.71 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. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and written Notice of Default and Election to Sell. The undersigned caused a Notice of Default and Election to Sell to be recorded in the county where the real property is located. Dated: 3/3/2021 THE MORTGAGE LAW FIRM, PLC Adriana Durham/Authorized Signature 27455 TIERRA ALTA WAY, STE. B, TEMECULA, CA 92590 (619) 465-8200 FOR TRUSTEE’S SALE INFORMATION PLEASE CALL (800) 280-2832 The Mortgage Law Firm, PLC. may be attempting to collect a debt. Any information obtained may be used for that purpose. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (800) 280-2832 for information regarding the trustee’s sale or visit this Internet Web site – www.Auction.com – for information regarding the sale of this property, using the file number assigned to this case: 141412. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. NOTICE TO TENANT: You may have a right to purchase this property after the trustee auction pursuant to Section 2924m of the California Civil Code. If you are an “eligible tenant buyer,” you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an “eligible bidder,” you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call 800-280-2832 for information regarding the trustee’s sale, or visit this internet website www.auction.com for information regarding the sale of this property, using the file number assigned to this case Ts# 141412 to find the date on which the trustee’s sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee’s sale. Third, you must submit a bid so that the trustee receives it no more than 45 days after the trustee’s sale. If you think you may qualify as an “eligible tenant buyer” or “eligible bidder,” you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase. A-4730253 03/19/2021, 03/26/2021, 04/02/2021 CN 25197

T.S. No.: 2019-02445-CA A.P.N.: 213-151-52-00 Property Address: 6338 EDENDALE STREET, CARLSBAD, CA 92009  NOTICE OF TRUSTEE’S SALE PURSUANT TO CIVIL CODE § 2923.3(a) and (d), THE SUMMARY OF INFORMATION REFERRED TO BELOW IS NOT ATTACHED TO THE RECORDED COPY OF THIS DOCUMENT BUT ONLY TO THE COPIES PROVIDED TO THE TRUSTOR. NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED 注:本文件包含一个信息摘要  참고사항: 본 첨부 문서에 정보 요약서가 있습니다   NOTA: SE ADJUNTA UN RESUMEN DE LA INFORMACIÓN DE ESTE DOCUMENTO TALA: MAYROONG BUOD NG IMPORMASYON SA DOKUMENTONG ITO NA NAKALAKIP  LƯU Ý: KÈM THEO ĐÂY LÀ BẢN TRÌNH BÀY TÓM LƯỢC VỀ THÔNG TIN TRONG TÀI LIỆU NÀY  IMPORTANT NOTICE TO PROPERTY OWNER:   YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 01/05/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER.  Trustor: Charlotte Bratlien, an unmarried woman Duly Appointed Trustee: Western Progressive, LLC Deed of Trust Recorded 01/13/2006 as Instrument No. 2006-0031812 in book —, page and of Official Records in the office of the Recorder of San Diego County, California, Date of Sale: 04/09/2021 at 09:00 AM Place of Sale:  ENTRANCE OF THE EAST COUNTY REGIONAL CENTER, EAST COUNTY REGIONAL CENTER, 250 E. MAIN STREET, EL CAJON, CA 92020  Estimated amount of unpaid balance, reasonably estimated costs and other charges: $ 768,460.01   NOTICE OF TRUSTEE’S SALE  THE TRUSTEE WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, A SAVINGS ASSOCIATION OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: All right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described as:  More fully described in said Deed of Trust. Street Address or other common designation of real property: 6338 EDENDALE STREET, CARLSBAD, CA  92009  A.P.N.: 213-151-52-00 The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above.  The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is:   $ 768,460.01.   Note: Because the Beneficiary reserves the right to bid less than the total debt owed, it is possible that at the time of the sale the opening bid may be less than the total debt. 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. The beneficiary of the Deed of Trust has executed and delivered to the undersigned a written request to commence foreclosure, and the undersigned caused a Notice of Default and Election to Sell to be recorded in the county where the real property is located.  NOTICE OF TRUSTEE’S SALE  NOTICE TO POTENTIAL BIDDERS:  If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself.  Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on this property.   NOTICE TO PROPERTY OWNER:  The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (866)-960-8299 or visit this Internet Web site http://www.altisource.com/MortgageServices/DefaultManagement/TrusteeServices.aspx using the file number assigned to this case 2019-02445-CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site.  The best way to verify postponement information is to attend the scheduled sale.  NOTICE OF TRUSTEE’S SALE  NOTICE TO TENANT: You may have a right to purchase this property after the trustee auction, if conducted after January 1, 2021, pursuant to Section 2924m of the California Civil Code. If you are an “eligible tenant buyer,” you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an “eligible bidder,” you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call (855)-976-3916, or visit this internet website https://tracker.auction.com/sb1079 , using the file number assigned to this case 2019-02445-CA to find the date on which the trustee’s sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee’s sale. Third, you must submit a bid, by remitting the funds and affidavit described in Section 2924m(c) of the Civil Code, so that the trustee receives it no more than 45 days after the trustee’s sale. If you think you may qualify as an “eligible tenant buyer” or “eligible bidder,” you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase.  Date: February 3, 2021   Western Progressive, LLC, as Trustee for beneficiary  C/o 1500 Palma Drive, Suite 237  Ventura, CA 93003  Sale Information Line:  (866) 960-8299   http://www.altisource.com/MortgageServices/DefaultManagement/TrusteeServices.aspx   Trustee Sale Assistant  WESTERN PROGRESSIVE, LLC MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE.  03/12/2021, 03/19/2021, 03/26/2021 CN 25194

NOTICE OF TRUSTEE’S SALE T.S. No.: 2020-05036 A.P.N.: 223-620-15-00 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED [PURSUANT TO CIVIL CODE 2923.3(a), THE SUMMARY OF INFORMATION REFERRED TO ABOVE IS NOT ATTACHED TO THE RECORDED COPY OF THIS DOCUMENT BUT ONLY TO THE COPIES PROVIDED TO THE TRUSTOR.] YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 4/26/2018. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2424h(b), (payable at the time of sale in lawful money of the United States), will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Trustor: ANNIE YEO, AN UNMARRIED WOMAN Duly Appointed Trustee: Entra Default Solutions, LLC 1355 Willow Way, Suite 115, Concord, California 94520 Phone: (925)272-4993 Deed of Trust Recorded 4/30/2018 as Instrument No. 2018-0172176 in book , page of Official Records in the office of the Recorder of San Diego County, California, to be sold: Date of Sale: 4/5/2021 at 10:00 AM Place of Sale: At the entrance to the East County Regional Center by statue, 250 E. Main Street, El Cajon, CA 92020 Amount of unpaid balance and other charges: $1,006,202.58, Street Address or other common designation of real property: 1594 GLENCREST DRIVE SAN MARCOS, CA 92078 A.P.N.: 223-620-15-00 The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. We are attempting to collect a debt and any information we obtain will be used for that purpose. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-683-2468 option 1 or visit this Internet Web site www.servicelinkASAP.com, using the file number assigned to this case 2020-05036. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. NOTICE TO TENANT: You may have a right to purchase this property after the trustee auction pursuant to Section 2924m of the California Civil Code. If you are an “eligible tenant buyer,” you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an “eligible bidder,” you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call 800-683-2468 option 1, or visit this internet website www.servicelinkASAP.com, using the file number assigned to this case 2020-05036 to find the date on which the trustee’s sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee’s sale. Third, you must submit a bid so that the trustee receives it no more than 45 days after the trustee’s sale. If you think you may qualify as an “eligible tenant buyer” or “eligible bidder,” you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase. 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. Date: 3/5/2021 Entra Default Solutions, LLC Marisa Vidrine, Foreclosure Specialist A-4730304 03/12/2021, 03/19/2021, 03/26/2021 CN 25187

BATCH: AFC-2097  NOTICE OF TRUSTEE’S SALE  YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED AS SHOWN BELOW.  UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE.  IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER.  CHICAGO TITLE COMPANY as the duly appointed Trustee under and pursuant to Deed of Trust Executed by:  AS SHOWN BELOW, as Trustor, AS SHOWN BELOW, as Beneficiary, recorded on AS SHOWN BELOW  as Instrument No. AS SHOWN BELOW of Official Records of the County Recorder of SAN DIEGO County, California, and pursuant to the Notice of Default and Election to Sell there under recorded on AS SHOWN BELOW as Instrument No. AS SHOWN BELOW of said Official Records.  WILL SELL BY PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH On 3/26/2021 at 10:00 AM,  AT THE FRONT ENTRANCE TO 2121 PALOMAR AIRPORT ROAD., CARLSBAD, CA 92011  IMPORTANT NOTE: TO ADHERE TO THE COVID-19 PROTOCOLS, THE TRUSTEES SALE WILL OCCUR OUTSIDE AND WILL REQUIRE THAT EVERYONE PRESENT MUST HAVE FACE COVERINGS AND ADHEAR TO SOCIAL DISTANCING BEFORE, DURING AND AFTER THE SALE TAKES PLACE.  (Payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank), all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State hereinafter described as more fully described on said Deed of Trust.  The property heretofore described is being sold “as is”.   The street address and other common designation, if any, of the real property described above is purported to be:  6400 SURFSIDE LANE, CARLSBAD, CA, 92009  TS#, CUSTOMER REF#, ICN#, Unit/Interval/Week, APN#, Trustors, Beneficiary, DOT Dated, DOT Recorded, DOT Book, DOT Page/Instrument#, NOD Recorded, NOD Book, NOD Page/Instrument#, Estimated Sales Amount 100491 B0521485S MCS11348AZ 113 ANNUAL 48 214-010-94-00 STEVE R. ARTEA AND MELBA ARTEA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/14/2019 05/30/2019 2019-0205797 11/10/2020 2020-0704026 $32790.51 100492 B0471855S MCS21611CZ 216 ANNUAL 11 214-010-94-00 TONY BERUMEN AND JOANNA B. BERUMEN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/12/2016 08/25/2016 2016-0440169 11/10/2020 2020-0704026 $30278.80 100493 B0406845C MCS22812DZ 228 ANNUAL 12 214-010-94-00 JOHN I. RANSDELL AND LINDA J. RANSDELL HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/16/2013 04/25/2013 2013-0258501 11/10/2020 2020-0704026 $18384.57 100494 B0481815H MCS22007DO 220 ODD 07 214-010-94-00 PRASEUTH SOUVANNAVONG AND JENNIFER ENCINEAS HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/04/2017 03/23/2017 2017-0131228 11/10/2020 2020-0704026 $24838.40 100495 B0420015L MCS12808DZ 128 ANNUAL 08 214-010-94-00 MICHAEL HANDLER A(N) UNMARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/11/2013 12/23/2013 2013-0732617 11/10/2020 2020-0704026 $22826.42 100496 B0467885H MCS31001BZ 310 ANNUAL 01 214-010-94-00 MICHAEL A. QUIGLEY A(N) UNMARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 06/12/2016 06/30/2016 2016-0326088 11/10/2020 2020-0704026 $30360.99 100498 B0472845H MCS22333CO 223 ODD 33 214-010-94-00 WAYDEN ENCISO AND JAIMMIE ENCISO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/22/2016 09/08/2016 2016-0469807 11/10/2020 2020-0704026 $27684.39 100499 B0429865S MCS32749AZ 327 ANNUAL 49 214-010-94-00 FRANK A. BARNES A(N) UNMARRIED MAN AND RUBY L. PORTER A(N) UNMARRIED WOMAN AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 06/06/2014 06/19/2014 2014-0254061 11/10/2020 2020-0704026 $28561.00 100500 B0496625H MCS20623AZ 206 ANNUAL 23 214-010-94-00 WAYNE E. HALE AND LAURA S. HALE HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/04/2017 12/21/2017 2017-0599564 11/10/2020 2020-0704026 $42619.37  The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.  Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit is estimated at AS SHOWN ABOVE Accrued interest and additional advances, if any, may increase this figure prior to sale.  The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell.  The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation.  NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 1-800-34-6222 ext 189, using the REF number assigned to this case on SHOWN ABOVE. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.   Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. IN ORDER TO BRING YOUR ACCOUNT CURRENT, PLEASE CONTACT ADVANCED FINANCIAL COMPANY AT PHONE NO. 800-234-6222 EXT 189 Date:  3/1/2021  CHICAGO TITLE COMPANY, As Trustee 2121 PALOMAR AIRPORT ROAD, SUITE 330B, CARLSBAD, CA 92011 BY LORI R. FLEMINGS, as Authorized Signor. 03/05/2021, 03/12/2021, 03/19/2021 CN 25174

BATCH: AFC-2096, 2099 & 3001   NOTICE OF TRUSTEE’S SALE   YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED AS SHOWN BELOW.  UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE.  IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER.  CHICAGO TITLE COMPANY as the duly appointed Trustee under and pursuant to Deed of Trust Executed by:  AS SHOWN BELOW, as Trustor, AS SHOWN BELOW, as Beneficiary, recorded on AS SHOWN BELOW  as Instrument No. AS SHOWN BELOW of Official Records of the County Recorder of SAN DIEGO County, California, and pursuant to the Notice of Default and Election to Sell there under recorded on AS SHOWN BELOW as Instrument No. AS SHOWN BELOW of said Official Records.  WILL SELL BY PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH On 3/26/2021 at 10:00 AM,  AT THE FRONT ENTRANCE TO 2121 PALOMAR AIRPORT ROAD., CARLSBAD, CA 92011  IMPORTANT NOTE:  TO ADHERE TO THE COVID-19 PROTOCOLS, THE TRUSTEES SALE WILL OCCUR OUTSIDE AND WILL REQUIRE THAT EVERYONE PRESENT MUST HAVE FACE COVERINGS AND ADHEAR TO SOCIAL DISTANCING BEFORE, DURING AND AFTER THE SALE TAKES PLACE.   (Payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank), all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State hereinafter described as more fully described on said Deed of Trust.   The property heretofore described is being sold “as is”.   The street address and other common designation, if any, of the real property described above is purported to be: 5805 ARMADA DRIVE, CARLSBAD, CA, 92009  TS#, CUSTOMER REF#, ICN#, Unit/Interval/Week, APN#, Trustors, Beneficiary, DOT Dated, DOT Recorded, DOT Book, DOT Page/Instrument#, NOD Recorded, NOD Book, NOD Page/Instrument#, Estimated Sales Amount  (afc-2096) 100478 B0481025H MGP37909AO 379 ODD 09 211-022-28-00 FRANK V. CARUSO AND LAUREN L. CARUSO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 02/15/2017 03/02/2017 2017-0098278 11/10/2020 2020-0704014 $28010.77 100479 B0515325S MGP29207AO 292 ODD 07 211-022-28-00 MELISSA DE SANTIAGO AND SAMMY DE SANTIAGO WIFE AND HUSBAND AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/23/2018 01/10/2019 2019-0009465 11/10/2020 2020-0704014 $28885.32 100480 B0413405H MGP14915AO 149 ODD 15 211-022-28-00 SHARON R. DEAN AN UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY. GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/10/2013 09/05/2013 2013-0551234 11/10/2020 2020-0704014 $20480.82 100481 B0515945C MGP37806AO 378 ODD 06 211-022-28-00 SANDRA SPEED A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/17/2018 01/24/2019 2019-0025681 11/10/2020 2020-0704014 $31707.04 100482 B0423935S MGP16115AZ 161 ANNUAL 15 211-022-28-00 KENNETH R. RIVERS AND ROSE M. RIVERS HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 02/23/2014 03/06/2014 2014-0089693 11/10/2020 2020-0704014 $26100.69 100483 B0445715C MGP38438CZ 384 ANNUAL 38 211-022-28-00 IDRIS N. TURAY AND SUEKO O. TURAY HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/09/2015 05/28/2015 2015-0269767 11/10/2020 2020-0704014 $25285.77 100484 B0472135C MGP19041BO 190 ODD 41 211-022-28-00 CARRIE GIL SLAKOFF A(N) WIDOWED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/15/2016 09/01/2016 2016-0457553 11/10/2020 2020-0704014 $22887.00 100485 Y7262979K GPP28646AE 286 EVEN 46 211-022-28-00 KAREN H. BUTLER AN UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/13/2010 12/22/2010 2010-0709872 11/10/2020 2020-0704014 $17401.18 100486 B0463795H MGP29609CO 296 ODD 09 211-022-28-00 PATRICK MARTIN AND ALMIRA D. MARTIN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/15/2016 04/21/2016 2016-0185625 11/10/2020 2020-0704014 $21550.02 100487 B0432045L MGP27421AZ 274 ANNUAL 21 (FIXED) 211-022-28-00 GEOVANY MENJIVAR A(N) MARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/12/2014 07/31/2014 2014-0325453 11/10/2020 2020-0704014 $29243.82 100488 B0526435H MGP19521BE 195 EVEN 21 211-022-28-00 KIMBERLY V. STEWART AND MICHAEL A. STEWART SR. HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/08/2019 10/24/2019 2019-0482206 11/10/2020 2020-0704014 $25735.18 100489 B0513135H MGP27842AZ 278 ANNUAL 42 211-022-28-00 MICHAEL P. VASSAR AND CYNTHIA M. VASSAR HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/27/2018 11/15/2018 2018-0476772 11/10/2020 2020-0704014 $30458.88 100490 B0499805C MGP35110AZ 351 ANNUAL 10 211-022-28-00 AARON D. VELDHEER AND ELDA A. ROMAGNOLI VELDHEER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 02/22/2018 03/08/2018 2018-0090625 11/10/2020 2020-0704014 $23469.84 (afc-2099) 100518 B0526815C 27828AZ 278 EACH 28 211-022-28-00 ENAJ C. LEOTAUD A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/16/2019 10/31/2019 2019-0497173 11/25/2020 2020-0751064 $39943.95 100519 Y7460335H 37051EZ 370 EACH 51 211-022-28-00 CELESTE M. PARENT TRUSTEE OF THE CELESTE M. PARENT TRUST DATED APRIL 23 2009 OR ANY SUCCESSOR TRUSTEE THEREUNDER GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/12/2012 09/27/2012 2012-0587568 11/25/2020 2020-0751064 $15766.10 100520 B0449695L 26802AE 268 EVEN 02 211-022-28-00 DOROTHY A. SHELTON A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/21/2015 08/06/2015 2015-0415534 11/25/2020 2020-0751064 $15392.41 100521 B0449685L 36403AE 364 EVEN 03 211-022-28-00 DOROTHY A. SHELTON A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/21/2015 08/06/2015 2015-0415919 11/25/2020 2020-0751064 $16372.35 (afc-3001) 100539 B0478255C MGP16113AO 161 ODD YEAR 13 211-022-28-00 RICHARD AMADOR A(N) UNMARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 12/04/2016 12/22/2016 2016-0702371 11/25/2020 2020-0750937 $26,545.59 100541 B0405855C AGP39809AE 398 EVEN 09 211-022-28-00 DANIEL A. BUTLER AND CLARA E. BUTLER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 04/01/2013 04/11/2013 2013-0227120 11/25/2020 2020-0750937 $17,435.95 100543 B0470685H MGP38448CE 384 EVEN 48 211-022-28-00 ROBERT A. KRUTCH AND MELINDA D. KRUTCH HUSBAND AND WIFE AS JOINT TENANTS NATIONAL BANK OF ARIZONA N.A. 07/27/2016 08/11/2016 2016-0410072 11/25/2020 2020-0750937 $21,357.90  The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.  Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit is estimated at AS SHOWN ABOVE Accrued interest and additional advances, if any, may increase this figure prior to sale.  The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell.  The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation.  NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 1-800-234-6222 ext 189, using the REF number assigned to this case on SHOWN ABOVE. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.   Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust.   IN ORDER TO BRING YOUR ACCOUNT CURRENT, PLEASE CONTACT ADVANCED FINANCIAL COMPANY AT PHONE NO. 800-234-6222 EXT 189  CHICAGO TITLE COMPANY, As Trustee 2121 PALOMAR AIRPORT ROAD, SUITE 330B, CARLSBAD, CA 92011 BY LORI R. FLEMINGS, as Authorized Signor. 03/05/2021. 03/12/2021, 03/19/2021 CN  25173

BATCH: AFC-2095, 2098, 3000 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED AS SHOWN BELOW.  UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE.  IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER.  CHICAGO TITLE COMPANY as the duly appointed Trustee under and pursuant to Deed of Trust Executed by:  AS SHOWN BELOW, as Trustor, AS SHOWN BELOW, as Beneficiary, recorded on AS SHOWN BELOW  as Instrument No. AS SHOWN BELOW of Official Records of the County Recorder of SAN DIEGO County, California, and pursuant to the Notice of Default and Election to Sell there under recorded on AS SHOWN BELOW as Instrument No. AS SHOWN BELOW of said Official Records.  WILL SELL BY PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH  On 3/26/2021 at 10:00 AM,  AT THE FRONT ENTRANCE TO 2121 PALOMAR AIRPORT ROAD., CARLSBAD, CA 92011   IMPORTANT NOTE: TO ADHERE TO THE COVID-19 PROTOCOLS, THE TRUSTEES SALE WILL OCCUR OUTSIDE AND WILL REQUIRE THAT EVERYONE PRESENT MUST HAVE FACE COVERINGS AND ADHEAR TO SOCIAL DISTANCING BEFORE, DURING AND AFTER THE SALE TAKES PLACE.   (Payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank), all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State hereinafter described as more fully described on said Deed of Trust.   The property heretofore described is being sold “as is”.   The street address and other common designation, if any, of the real property described above is purported to be: 1594 MARBRISA CIRCLE, CARLSBAD, CA, 92008   TS#, CUSTOMER REF#, ICN#, Unit/Interval/Week, APN#, Trustors, Beneficiary, DOT Dated, DOT Recorded, DOT Book, DOT Page/Instrument#, NOD Recorded, NOD Book, NOD Page/Instrument#, Estimated Sales Amount  (AFC-2095) 100415 B0445305H 583427BZ 5834 Annual 27 211-131-05-00 KERI LYNN ANDERSON AN UNMARRIED WOMAN AS HER SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/10/2015 05/21/2015 2015-0258810 11/10/2020 2020-0704029 $29113.23 100416 B0501325S 602318A1O 6023 Odd 18 211-131-11-00 DEVI L. ANDREE AND DEAN P. ANDREE HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/09/2018 04/19/2018 2018-0154789 11/10/2020 2020-0704029 $28384.81 100417 B0503645H 612337D1Z 6123 Annual 37 211-131-11-00 CORINE CHARLES A SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/27/2018 05/31/2018 2018-0219964 11/10/2020 2020-0704029 $36621.69 100418 B0466145C 501648DO 5016 Odd 48 211-130-02-00 CHRISTOPHER R. DAVENPORT A(N) SINGLE MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/22/2016 05/26/2016 2016-0257194 11/10/2020 2020-0704029 $21961.51 100419 B0520135S 653202B1O 6532 Odd 2 211-131-13-00 PASQUALE DEFILIPPO AND CLAUDIA DEFILIPPO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/14/2019 05/02/2019 2019-0162923 11/10/2020 2020-0704029 $28552.12 100420 B0449645L 592344AZ 5923 Annual 44 211-131-11-00 ERIC M. DELGADO AND MARIA EVELYN DELGADO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/20/2015 08/06/2015 2015-0415666 11/10/2020 2020-0704029 $33735.70 100421 B0496305C 541149DO 5411 Odd 49 211-130-03-00 JAMES LEE FAULKNER AND ANGEL ELIZABETH FAULKNER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/28/2017 12/14/2017 2017-0583293 11/10/2020 2020-0704029 $22106.40 100422 B0489835S 603146A1Z 6031 Annual 46 211-131-11-00 JAMES R. HAMILTON AND JANE K. HAMILTON HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/19/2017 08/03/2017 2017-0350956 11/10/2020 2020-0704029 $27549.53 100423 B0473355C 663310A1Z 6633 Annual 10 211-131-13-00 CHRISTINE E. LALONDE A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/22/2016 09/22/2016 2016-0501455 11/10/2020 2020-0704029 $37388.82 100424 B0520725H 532311AO 5323 Odd 11 211-130-03-00 JASON D. LAPA AND LISA J. LAPA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/21/2019 05/09/2019 2019-0173603 11/10/2020 2020-0704029 $31926.40 100425 B0433675C 543102EO 5431 Odd 2 211-130-03-00 ELVIN L. LEVERETTE AND CRYSTAL M. LEVERETTE HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/17/2014 08/28/2014 2014-0370778 11/10/2020 2020-0704029 $24860.25 100426 B0516945C 681109D1O 6811 Odd 9 211-130-03-00 KAREN L. LONGMEAD A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/27/2018 02/21/2019 2019-0061498 11/10/2020 2020-0704029 $24429.44 100427 B0410175L 512427A1Z 5124 Annual 27 211-130-02-00 VICTORIA MATTHEWS A(N) WIDOWED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 06/25/2013 06/11/2013 2013-0433732 11/10/2020 2020-0704029 $33445.29 100428 B0433545C 702417A1O 7024 Odd 17 211-131-10-00 KATHERINE J. MILO AND SUSAN KAJSZO-BORD MARRIED TO EACH OTHER AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/12/2014 08/28/2014 2014-0370788 11/10/2020 2020-0704029 $21732.81 100429 B0513525S 8010423AZ 80104 Annual 23 212-271-04-00 BLAINE R. NICKEL A(N) MARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/08/2018 11/21/2018 2018-0484027 11/10/2020 2020-0704029 $52969.81 100430 B0510295H 8020836DE 80208 Even 36 212-271-04-00 ROBERT JAYSON ROOT AND SARA SALAMANCA ROOT HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/18/2018 09/27/2018 2018-0403566 11/10/2020 2020-0704029 $24821.43 100431 B0438855L 702201A1Z 7022 Annual 1 211-131-10-00 DONALD R. SCHEUFFELE AND PATRICIA J. SCHEUFFELE TRUSTEES OF THE SCHEUFFELE LIVING TRUST DATED NOV. 19 1998 GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/08/2014 12/18/2014 2014-0558680 11/10/2020 2020-0704029 $16756.00 100432 B3996375C 502442BZ 5024 Annual 42 211-130-02-00 JESSICA SHIVE A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 01/13/2012 02/09/2012 2012-0075632 11/10/2020 2020-0704029 $24874.69 100434 B0506515H 661306A1Z 6613 Annual 6 211-131-13-00 JOHN M. VIGO AND LISA S. VIGO TRUSTEES OF THE JOHN AND LISA VIGO REVOCABLE LIVING TRUST DATED MAY 18 2015 GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 06/28/2018 07/12/2018 2018-0283388 11/10/2020 2020-0704029 $41388.98 100435 B0503815H 691313B1O 6913 Odd 13 211-131-13-00 THOMAS A. VOIGT AND LESLIE A. VOIGT HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/15/2018 05/31/2018 2018-0218694 11/10/2020 2020-0704029 $26619.58 100436 B0517825H 602126A1Z 6021 Annual 26 211-131-11-00 DONNELL WELLS AND TANESHA WELLS HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/21/2018 03/14/2019 2019-0090532 11/10/2020 2020-0704029 $52370.01 100437 B3992445C 501348BO 5013 Odd 48 211-130-02-00 VICTOR E. SARINANA AND LILIAN SARINANA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/20/2011 09/15/2011 2011-0478418 11/10/2020 2020-0704029 $18101.68 100438 B0401795H 681317A1Z 6813 Annual 17 211-131-07-00 ROBERT L. ALVARO AND CARA M. ALVARO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/09/2012 12/27/2012 2012-0816569 11/10/2020 2020-0704029 $25245.65 100439 B0436015S 692420D1O 6924 Odd 20 211-131-07-00 GERALD D. BOYD AND TAMARA R. BOYD HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/01/2014 10/16/2014 2014-0448942 11/10/2020 2020-0704029 $19090.76 100440 B0443335H 592234AZ 5922 Annual 34 211-131-11-00 KIM F. ROBINSON AND SHIRLEY A. ROBINSON HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/27/2015 04/09/2015 2015-0168583 11/10/2020 2020-0704029 $33876.52 100441 B0454565H 651111B1E 6511 Even 11 211-131-13-00 LAELA SUDDOO A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/09/2015 10/22/2015 2015-0552202 11/10/2020 2020-0704029 $25658.09 100442 B0445945H 703351A1Z 7033 Annual 51 211-131-10-00 ERNEST T. WELLS AND ELIZABETH H. WELLS AS CO-TRUSTEES OF THE WELLS FAMILY TRUST U/A DATED MAY 25 2012 GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/18/2015 06/04/2015 2015-0286757 11/10/2020 2020-0704029 $38387.70 100443 B0452965C 532251AO 5322 Odd 51 211-130-03-00 STEPHEN D. BOWLES AND SALLY BOWLES HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/04/2015 10/01/2015 2015-0517806 11/10/2020 2020-0704029 $25829.70 100444 B0465685H 682221D1O 6822 Odd 21 211-131-07-00 JOHN L. CANNON AND MARIBEL R. CANNON HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 05/05/2016 05/19/2016 2016-0243430 11/10/2020 2020-0704029 $22510.67 100445 B0474065S 541645DO 5416 Odd 45 211-130-03-00 WILLIS TREVOR BRINKMEYER AND ANDREA K. BRINKMEYER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/04/2016 10/06/2016 2016-0535918 11/10/2020 2020-0704029 $21551.02 100447 B0497595H 662247D1E 6622 Even 47 211-131-13-00 PHILLIP B. KOENIG AND ELIZABETH A. KOENIG HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/29/2017 01/11/2018 2018-0011683 11/10/2020 2020-0704029 $23012.87 100448 B0508575H 8010109AO 80101 Odd 9 212-271-04-00 ROBYN LYN SHARP A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/06/2018 08/23/2018 2018-0348127 11/10/2020 2020-0704029 $29578.95 100449 B0511575C 612222A1Z 6122 Annual 22 211-131-11-00 STEPHEN D. BOWLES AND SALLY M. BOWLES HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/26/2018 10/18/2018 2018-0434394 11/10/2020 2020-0704029 $50089.88 100450 B0512575H 8010847BO 80108 Odd 8 212-271-04-00 JOHNNY BROWN AND STACEY LEE BROWN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/16/2018 11/01/2018 2018-0457912 11/10/2020 2020-0704029 $25929.37 100452 B0527065H 613341D1Z 6133 Annual 41 211-131-11-00 TIMOTHY M. ENGLEBRETSON AND KATHLEEN E. ENGLEBRETSON HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/23/2019 11/07/2019 2019-0512144 11/10/2020 2020-0704029 $36586.07 100455 B0479755C 652340A1Z 6523 Annual 40 211-131-13-00 GREGORY KENNETH FOWLER A(N) UNMARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 01/05/2017 01/19/2017 2017-0028933 11/10/2020 2020-0704029 $47409.65 100457 B0477325H 603237A1Z 6032 Annual 37 211-131-11-00 NATHANIEL K. BUGGS AND TANISHA J. BUGGS HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/12/2016 12/01/2016 2016-0657784 11/10/2020 2020-0704029 $38095.97 100458 B0407545H 691236A1Z 6912 Annual 36 211-131-07-00 PAUL B. BRUNELLE AND NICOLE C. BRUNELLE HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/04/2013 05/09/2013 2013-0292510 11/10/2020 2020-0704029 $28729.60 100459 B0516275C 8010818BE 80108 Even 18 212-271-04-00 IRVIN R. LUCAS IV A(N) SINGLE MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/16/2018 01/24/2019 2019-0027051 11/10/2020 2020-0704029 $24285.03 100460 B0525435H 8020933BZ 80209 Annual 33 212-271-04-00 DEBORAH L. BRAZIEL A(N) WIDOWED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/10/2019 09/26/2019 2019-0425957 11/10/2020 2020-0704029 $43779.85 100461 B0503025C 601316A1Z 6013 Annual 16 211-131-11-00 MARTIN S. STEIGLITZ AND PAMELA S. STEIGLITZ HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/12/2018 05/17/2018 2018-0198757 11/10/2020 2020-0704029 $36749.07 100462 B0432405H 682309B1O 6823 Odd 9 211-131-07-00 JONILSON SANTOS A(N) MARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/29/2014 08/07/2014 2014-0338043 11/10/2020 2020-0704029 $19073.72 100463 B0527575C 581335D1E 5813 Even 35 211-131-11-00 MARTIN S. ESTRADA AND PENNIE ANN ESTRADA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/02/2019 11/27/2019 2019-0553856 11/10/2020 2020-0704029 $27602.60 100464 B0464835H 591303AZ 5913 Annual 3 211-131-11-00 JOSE A. BARCELO AND ADRIANA C. BARCELO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/17/2016 05/05/2016 2016-0213471 11/10/2020 2020-0704029 $37334.32 100465 B3997935C 541250EO 5412 Odd 50 211-130-03-00 MARY ANN CIRULLO A(N) WIDOWED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/29/2012 05/01/2012 2012-0260249 11/10/2020 2020-0704029 $17475.50 100466 B0490195H 593213AZ 5932 Annual 13 211-131-11-00 DAVID CORTESI AND ELENA CORTESI HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/25/2017 08/10/2017 2017-0361737 11/10/2020 2020-0704029 $41171.23 100467 B0416385S 692102A1Z 6921 Annual 2 211-131-07-00 TIMELESS HEALTH & WEALTH ENTERPRISES LLC A WYOMING LIMITED LIABILITY COMPANY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/26/2013 10/17/2013 2013-0623701 11/10/2020 2020-0704029 $24502.84 100468 B0449185H 651348A1Z 6513 Annual 48 211-131-13-00 FRED V. FERGUSON AND DIANA E. FERGUSON HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/15/2015 07/30/2015 2015-0401703 11/10/2020 2020-0704029 $31189.75 100469 B0496385C 614333L2Z 6143 Annual 33 211-131-11-00 ANA FERNANDEZ A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/30/2017 12/14/2017 2017-0583289 11/10/2020 2020-0704029 $67534.42 100471 B0525265S 613321D1Z 6133 Annual 21 211-131-11-00 TERRY E. MARKIS A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/26/2019 09/19/2019 2019-0410574 11/10/2020 2020-0704029 $29093.79 100472 B0444905H 592329AZ 5923 Annual 29 211-131-11-00 DERRICK A. MARTIN AND JULIE A. MARTIN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/19/2015 05/07/2015 2015-0227238 11/10/2020 2020-0704029 $40381.73 100473 B0456055H 541151DZ 5411 Annual 51 211-130-03-00 NARCISO NOYOLA AND REBECCA A. NOYOLA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/24/2015 11/19/2015 2015-0599791 11/10/2020 2020-0704029 $29201.14 100474 B0415455S 692148A1Z 6921 Annual 48 211-131-07-00 DANIEL P. PURCELL AND ANDREA C. PURCELL HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/07/2013 10/03/2013 2013-0601088 11/10/2020 2020-0704029 $23081.59 100475 B0415445S 692201A1Z 6922 Annual 01 211-131-07-00 DANIEL P. PURCELL AND ANDREA C. PURCELL HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/07/2013 10/03/2013 2013-0601090 11/10/2020 2020-0704029 $23497.44 100476 B0506185H 611426A1Z 6114 Annual 26 211-131-11-00 SHANTRELL M. RENTHROPE A SINGLE WOMAN AND IVORY TIERRA RENTHROPE A SINGLE WOMAN AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/01/2018 07/12/2018 2018-0283548 11/10/2020 2020-0704029 $41155.26 100477 B0484895S 661129A1Z 6611 Annual 29 211-131-13-00 JESSE M. RICKARD A(N) MARRIED MAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/23/2017 05/11/2017 2017-0211076 11/10/2020 2020-0704029 $31119.91 (AFC-2098) 100501 B0510095C 8010625LZ 80106 ANNUAL 25 212-271-04-00 ALBERT ARGUETA AND VALERIE AREBALO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/05/2018 09/20/2018 2018-0393161 11/25/2020 2020-0750877 $48984.50 100503 B0449175L 651224A1Z 6512 ANNUAL 24 211-131-13-00 TIMOTHY I. COLLIER AND KRISTA L. COLLIER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 07/15/2015 07/30/2015 2015-0402041 11/25/2020 2020-0750877 $20109.66 100504 B0478865S 604227L2E 6042 EVEN 27 211-130-03-00 WENDY L. DANIELS A(N) MARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/19/2016 01/05/2017 2017-0006064 11/25/2020 2020-0750877 $39704.57 100505 B0491455C 533415BE 5334 EVEN 15 211-130-03-00 ARLEN S. DILLE AND CAROL D. DILLE HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 08/14/2017 08/31/2017 2017-0400658 11/25/2020 2020-0750877 $21757.88 100506 B0479455H 593125AZ 5931 ANNUAL 25 211-131-11-00 ROBERT JASON FARMAN AND TINA NICOLE FARMAN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 12/26/2016 01/12/2017 2017-0017811 11/25/2020 2020-0750877 $33240.91 100507 B0530875S 613323D1Z 6133 ANNUAL 23 211-131-11-00 ANGELA GARNER A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/05/2020 04/02/2020 2020-0168650 11/25/2020 2020-0750877 $31819.26 100508 B0492675H 603131B1Z 6031 ANNUAL 31 211-131-11-00 ROBERT ANTHONY GIORDANO AND KASEY RAE GIORDANO HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/09/2017 09/28/2017 2017-0445236 11/25/2020 2020-0750877 $40445.05 100509 B0493355H 703427BE 7034 EVEN 27 211-131-13-00 JUDSON DRAKE HARPER AND AMY LYNNE HARPER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/25/2017 10/12/2017 2017-0471626 11/25/2020 2020-0750877 $27030.86 100510 B0513635S 8010513BE 80105 EVEN 13 212-271-04-00 CLAUDIA L. MARQUEZ A(N) UNMARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/09/2018 11/21/2018 2018-0484086 11/25/2020 2020-0750877 $21439.86 100512 B0428785S 583227A1Z 5832 ANNUAL 27 211-131-05-00 BETTYE J. MOORER A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 04/06/2014 05/22/2014 2014-0210578 11/25/2020 2020-0750877 $30119.73 100513 B0421575L 693218A1Z 6932 ANNUAL 18 211-131-07-00 RAMON G. MORIN AND ELIZABETH G. MORIN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 10/16/2013 01/23/2014 2014-0030271 11/25/2020 2020-0750877 $26285.77 100514 B0477235H 593131AO 5931 ODD 31 211-131-11-00 MICHAEL RAY RAMIREZ AND CINDY L. RAMIREZ HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/13/2016 12/01/2016 2016-0657781 11/25/2020 2020-0750877 $29414.19 100515 B0511605C 612350D1O 6123 ODD 50 211-131-11-00 MARC D. SIMON AND ANGELA M. SIMON HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 09/22/2018 10/18/2018 2018-0434089 11/25/2020 2020-0750877 $19075.99 100516 B0500725S 662335A1Z 6623 ANNUAL 35 211-131-13-00 GEORGE DERRICK STEVENS JR. AND BRENDA CAMERON STEVENS HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 03/17/2018 04/05/2018 2018-0134021 11/25/2020 2020-0750877 $48244.08 100517 B0527475H 613351D1Z 6133 ANNUAL 51 211-131-11-00 JANICE M. WRIGHT A(N) UNMARRIED WOMAN AND DONALD W. HENRY A(N) UNMARRIED MAN AS JOINT TENANTS GRAND PACIFIC CARLSBAD LP. A CALIFORNIA LIMITED PARTNERSHIP 11/01/2019 11/21/2019 2019-0542305 11/25/2020 2020-0750877 $33795.44 (AFC-3000) 100523 B0524645H GMO613205A1E 6132 Even 5 211-131-11-00 DANIEL J. BENESCH AND NATALIE M. ESPINOZA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 08/03/2019 08/29/2019 2019-0372339 11/25/2020 2020-0750993 $32704.95 100524 B0492435C GMP541414BE 5414 Even 14 211-130-03-00 FRANCISCO CONTRERAS AND AMERICA GIL HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 09/08/2017 09/21/2017 2017-0432876 11/25/2020 2020-0750993 $25292.96 100525 B0422565H GMO703138BZ 7031 Annual 38 211-131-10-00 JOHN FRANCES EMMEL AND PATRICIA A. EMMEL HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 01/18/2014 02/06/2014 2014-0051495 11/25/2020 2020-0750993 $27048.45 100526 B0507295C GMP612351D1Z 6123 Annual 51 211-131-11-00 REYNALDO GARCIA AND JESSIE GARCIA HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 07/08/2018 07/26/2018 2018-0304837 11/25/2020 2020-0750993 $30987.00 100528 B0451745H GMP652202B1O 6522 Odd 2 211-131-13-00 LARRY D. HANSEN AND VIRGINIA A. HANSEN HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 08/22/2015 09/10/2015 2015-0477700 11/25/2020 2020-0750993 $20058.63 100529 B3950515C GMO502509EE 5025 Annual 9 211-130-02-00 FRANCISCO J. HERNANDEZ AND CLAUDIA I. ZUBER HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 04/03/2011 04/14/2011 2011-0195443 11/25/2020 2020-0750993 $14199.08 100530 B0434865H GMO561414D1O 5614 Odd 14 211-130-03-00 ANNA M. KUSNIERZ A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 09/01/2014 09/18/2014 2014-0403098 11/25/2020 2020-0750993 $16292.64 100531 B0402705L GMO503222BO 5032 Odd 22 211-130-02-00 ANGELA Y. LEE A(N) MARRIED WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 08/25/2012 01/17/2013 2013-0035769 11/25/2020 2020-0750993 $19036.45 100532 B0530475H GMO613201A1Z 6132 Annual 1 211-131-11-00 DANIEL A. LOPEZ SR. AND ELIZABETH C. LOPEZ HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 10/18/2019 03/19/2020 2020-0142868 11/25/2020 2020-0750993 $46489.93 100533 B0468915H GMO604227L2O 6042 Odd 27 211-131-11-00 MARA MERRILL-ANDREWS A(N) UNMARRIED WOMAN AND JONNA E. ANDREWS A(N) SINGLE WOMAN AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 06/29/2016 07/14/2016 2016-0351521 11/25/2020 2020-0750993 $30304.34 100534 B0509965C GMS8030826DO 80308 Odd 26 212-271-04-00 SANDRIA M. MOSLEY A(N) SINGLE WOMAN AS SOLE AND SEPARATE PROPERTY GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 08/31/2018 09/20/2018 2018-0393144 11/25/2020 2020-0750993 $23318.75 100535 B0478595H GMO512406A1Z 5124 Annual 6 211-130-02-00 BRENDAN M. RIPLEY AND LAURA-MARISA RIPLEY HUSBAND AND WIFE AS JOINT TENANTS GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 11/27/2016 12/29/2016 2016-0714295 11/25/2020 2020-0750993 $28334.50 100538 B0452065H GMP591141E2Z 5911 Annual 41 211-131-11-00 WADE MICHAEL TIMOTHY AS TRUSTEES OF THE TIMOTHY FAMILY TRUST DATED DECEMBER 17 2020 AND ANY AMENDMENTS THERETO GRAND PACIFIC CARLSBAD L.P. A CALIFORNIA LIMITED PARTNERSHIP 08/15/2015 09/10/2015 2015-0477620 11/25/2020 2020-0750993 $39209.89   The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.  Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit is estimated at AS SHOWN ABOVE Accrued interest and additional advances, if any, may increase this figure prior to sale.  The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell.  The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation.  NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 1-800-234-6222, using the REF number assigned to this case on SHOWN ABOVE. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.   Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust  IN ORDER TO BRING YOUR ACCOUNT CURRENT, PLEASE CONTACT ADVANCED FINANCIAL COMPANY AT PHONE NO. 800-234-6222 EXT 189   Date:  3/1/2021  CHICAGO TITLE COMPANY, As Trustee 2121 PALOMAR AIRPORT ROAD, SUITE 330B, CARLSBAD, CA 92011 BY LORI R. FLEMINGS, as Authorized Signor. 03/05/2021, 03/12/2021, 03/19/2021 CN 25172

BATCH: AFC-2050   NOTICE OF TRUSTEE’S SALE   YOU ARE IN DEFAULT UNDER A NOTICE OF DELINQUENT ASSESSMENT DATED SHOWN BELOW UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE.  IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER.  NOTICE is hereby given that CHICAGO TITLE COMPANY, as the duly appointed Trustee pursuant to Notice of Delinquent Assessment and Claim of Lien executed by GRAND PACIFIC PALISADES OWNERS ASSOCIATION, INC., A CALIFORNIA NONPROFIT MUTUAL BENEFIT CORPORATION Recorded as Book/Page/Instrument No. SHOWN BELOW of Official Records in the Office of the Recorder of SAN DIEGO County, California, property owned by SHOWN BELOW.  WILL SELL ON 3/26/2021  at 10:00 AM  LOCATION:  AT THE FRONT ENTRANCE TO 2121 PALOMAR AIRPORT ROAD., CARLSBAD, CA 92011   IMPORTANT NOTE:  TO ADHERE TO THE COVID-19 PROTOCOLS, THE TRUSTEES SALE WILL OCCUR OUTSIDE AND WILL REQUIRE THAT EVERYONE PRESENT MUST HAVE FACE COVERINGS AND ADHEAR TO SOCIAL DISTANCING BEFORE, DURING AND AFTER THE SALE TAKES PLACE.   SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, business in this state,  all right, title and interest under said Notice of Delinquent Assessment in the property situated in said County, describing the land on above referred Claim of Lien.  TS#, REF#, ICN, UNIT/INTERVAL/WEEK, APN, TRUSTORS, COL DATED, COL RECORDED, COL BOOK, COL PAGE/INSTRUMENT#, NOD RECORDED, NOD BOOK, NOD PAGE/INSTRUMENT#, ESTIMATED SALES AMOUNT 98467 19014BE 190 BIENNIAL EVEN 14 211-022-28-00 RICHARD ALLEN A SINGLE MAN AS SOLE AND SEPARATE PROPERTY 7/31/2019 8/15/2019 2019-0346310 9/16/2019 2019-0403265 $4896.04 98484 38151CE 381 BIENNIAL EVEN 51 211-022-28-00 ABEL SALAZAR AND LAURA SALAZAR HUSBAND AND WIFE AS JOINT TENANTS 7/31/2019 8/15/2019 2019-0346310 9/16/2019 2019-0403265 $5087.41 98488 38916AE 389 BIENNIAL 16 211-022-28-00 HAROLD L. BAKER AND KIM BAKER HUSBAND AND WIFE AS JOINT TENANTS 7/31/2019 8/15/2019 2019-0346310 9/16/2019 2019-0403265 $6073.55   The street address and other common designation, if any, of the real property described above is purported to be:  5805 ARMADA DRIVE, CARLSBAD, CA, 92009   The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein.  Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum due under said Notice of Delinquent Assessment, with interest thereon, as provided in said notice, advances, if any, estimated fees, charges and expenses of the Trustee.  Estimated amount with accrued interest and additional advances, if any, is SHOWN ABOVE and may increase this figure prior to sale.   The claimant under said Notice of Delinquent Assessment heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to sell, in accordance with the provision to the Covenants, Conditions and Restrictions.   The undersigned caused said Notice of Default and Election to Sell which recorded on SHOWN ABOVE as Book SHOWN ABOVE as Instrument No. SHOWN ABOVE in the county where the real property is located and more than three months have elapsed since such recordation. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.  NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 1-800-540-1717, using the TS number assigned to this case on SHOWN ABOVE. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.  Said sale will be made, but without covenant or warranty, express or implied regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Notice, advances thereunder, with interest as provided therein, and the unpaid assessments secured by said Notice with interest thereon as provided in said Covenants, Conditions and Restrictions, fees, charges and expenses of the trustee and the trusts created by said Notice of Assessment and Claim of Lien. IN ORDER TO PAY YOUR ACCOUNT CURRENT PLEASE CONTACT ADVANCED FINANCIAL COMPANY, OWNER SERVICES AT (800) 234-6222 . ext 189  Date:  3/1/2021  CHICAGO TITLE COMPANY, As Trustee 2121 PALOMAR AIRPORT ROAD, SUITE 330B, CARLSBAD, CA 92011 BY LORI R. FLEMINGS, as Authorized Signor.  03/05/2021, 03/12/2021, 03/19/2021 CN 25171

NOTICE OF TRUSTEE’S SALE Trustee Sale No.: 00000009123126 Title Order No.: 200525660 FHA/VA/PMI No.: ATTENTION RECORDER: THE FOLLOWING REFERENCE TO AN ATTACHED SUMMARY APPLIES ONLY TO COPIES PROVIDED TO THE TRUSTOR, NOT TO THIS RECORDED ORIGINAL NOTICE. NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 03/13/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP, as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 03/22/2006 as Instrument No. 2006-0196437 of official records in the office of the County Recorder of SAN DIEGO County, State of CALIFORNIA. EXECUTED BY: RANDY M LECHMANN, A MARRIED MAN, AS HIS SOLE AND SEPARATE PROPERTY, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by California Civil Code 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 03/26/2021 TIME OF SALE: 10:00 AM PLACE OF SALE: AT THE ENTRANCE TO THE EAST COUNTY REGIONAL CENTER BY STATUE, 250 E. MAIN STREET, EL CAJON, CA 92020. STREET ADDRESS and other common designation, if any, of the real property described above is purported to be: 27369 SAGE BRUSH TRAIL, VALLEY CENTER, CALIFORNIA 92082 APN#: 186-720-16-00 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $1,015,542.16. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 833-561-0243 for information regarding the trustee’s sale or visit this Internet Web site WWW.SALES.BDFGROUP.COM for information regarding the sale of this property, using the file number assigned to this case 00000009123126. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. NOTICE TO TENANT: You may have a right to purchase this property after the trustee auction pursuant to Section 2924m of the California Civil Code. If you are an “eligible tenant buyer,” you can purchase the property if you match the last and highest bid placed at the trustee auction. If you are an “eligible bidder”, you may be able to purchase the property if you exceed the last and highest bid placed at the trustee auction. There are three steps to exercising this right of purchase. First, 48 hours after the date of the trustee sale, you can call 833-561-0243, or visit this internet website WWW.SALES.BDFGROUP.COM using the file number assigned to this case 00000009123126 to find the date on which the trustee’s sale was held, the amount of the last and highest bid, and the address of the trustee. Second, you must send a written notice of intent to place a bid so that the trustee receives it no more than 15 days after the trustee’s sale. Third, you must submit a bid so that the trustee receives it no more than 45 days after the trustee’s sale. If you think you may qualify as an “eligible tenant buyer” or “eligible bidder,” you should consider contacting an attorney or appropriate real estate professional immediately for advice regarding this potential right to purchase. FOR TRUSTEE SALE INFORMATION PLEASE CALL: 833-561-0243 WWW.SALES.BDFGROUP.COM BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP as Trustee 3990 E. Concours Street, Suite 350 Ontario, CA 91764 (866) 795-1852 Dated: 02/18/2021 A-4729944 03/05/2021, 03/12/2021, 03/19/2021 CN 25166

ORDER TO SHOW CAUSE FOR CHANGE OF NAME CASE# 37-2021-00008240-CU-PT-NC TO ALL INTERESTED PERSONS: Petitioner(s): Kara Tristin Amundson filed a petition with this court for a decree changing name as follows: a.  Present name: Kara Tristin Amundson change to proposed name: Kara Tristin Greger. THE COURT ORDERS that all persons interested in this matter appear before this Court at the hearing indicated below to show cause, if any, why the petition for a change of name should not be granted.  Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted.  If no written objection is timely filed, the court may grant the petition without a hearing. NOTICE OF HEARING: On Apr. 13, 2021 at 8:30 a.m., in Dept. 25 of the Superior Court of California, 325 S Melrose Dr., Vista CA 92081, North County Regional Division. NO HEARING WILL OCCUR ON THE ABOVE DATE; ATTACHMENT TO ORDER TO SHOW CAUSE FOR CHANGE OF NAME (JC FORM #NC-120) Due to the COVID-19 pandemic, which poses a substantial risk to the health and welfare of court personnel and the public, rendering presence in, or access to, the court’s facilities unsafe, and pursuant to the emergency orders of the Chief Justice of the State of California and General Orders of the Presiding Department of the San Diego Superior Court, the following Order is made: NO HEARING WILL OCCUR ON THE DATE SPECIFIED IN THE ORDER TO SHOW CAUSE. The court will review the documents filed as of the date specified on the Order to Show Cause for Change of Name (JC Form #NC-120). If all requirements for a name change have been met as of the date specified, and no timely written objection has been received (required at least two court days before the date specified), the Petition for Change of Name (JC Form #NC-100) will be granted without a hearing. One certified copy of the Order Granting the Petition will be mailed to the petitioner. If all the requirements have not been met as of the date specified, the court will mail the petitioner a written order with further directions. If a timely objection is filed, the court will set a remote hearing date and contact the parties by mail with further directions. A RESPONDENT OBJECTING TO THE NAME CHANGE MUST FILE A WRITTEN OBJECTION AT LEAST TWO COURT DAYS (excluding weekends and holidays) BEFORE THE DATE SPECIFIED. Do not come to court on the specified date. The court will notify the parties by mail of a future remote hearing date. Any Petition for the name change of a minor that is signed by only one parent must have this. Attachment served along with the Petition and Order to Show Cause, on the other non-signing parent, and proof of service must be filed with the court.  IT IS SO ORDERED. Date: Feb 26, 2021 Pamela M. Parker Judge of the Superior Court.  03/19, 03/26, 04/02, 04/09/2021 CN 25215

ORDER TO SHOW CAUSE FOR CHANGE OF NAME CASE# 37-2021-00010376-CU-PT-NC TO ALL INTERESTED PERSONS: Petitioner(s): Duane Edward Kiddy filed a petition with this court for a decree changing name as follows: a.  Present name: Duane Edward Kiddy change to proposed name: Duane Edward Fowler. THE COURT ORDERS that all persons interested in this matter appear before this Court at the hearing indicated below to show cause, if any, why the petition for a change of name should not be granted.  Any person objecting to the name changes described above must file a written objection that includes the reasons for the objection at least two days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted.  If no written objection is timely filed, the court may grant the petition without a hearing. NOTICE OF HEARING: On Apr. 27, 2021 at 8:30 a.m., in Dept. N-25 of the Superior Court of California, 325 S Melrose Dr., Vista CA 92081, North County Regional Division. NO HEARING WILL OCCUR ON THE ABOVE DATE; ATTACHMENT TO ORDER TO SHOW CAUSE FOR CHANGE OF NAME (JC FORM #NC-120) Due to the COVID-19 pandemic, which poses a substantial risk to the health and welfare of court personnel and the public, rendering presence in, or access to, the court’s facilities unsafe, and pursuant to the emergency orders of the Chief Justice of the State of California and General Orders of the Presiding Department of the San Diego Superior Court, the following Order is made: NO HEARING WILL OCCUR ON THE DATE SPECIFIED IN THE ORDER TO SHOW CAUSE. The court will review the documents filed as of the date specified on the Order to Show Cause for Change of Name (JC Form #NC-120). If all requirements for a name change have been met as of the date specified, and no timely written objection has been received (required at least two court days before the date specified), the Petition for Change of Name (JC Form #NC-100) will be granted without a hearing. One certified copy of the Order Granting the Petition will be mailed to the petitioner. If all the requirements have not been met as of the date specified, the court will mail the petitioner a written order with further directions. If a timely objection is filed, the court will set a remote hearing date and contact the parties by mail with further directions. A RESPONDENT OBJECTING TO THE NAME CHANGE MUST FILE A WRITTEN OBJECTION AT LEAST TWO COURT DAYS (excluding weekends and holidays) BEFORE THE DATE SPECIFIED. Do not come to court on the specified date. The court will notify the parties by mail of a future remote hearing date. Any Petition for the name change of a minor that is signed by only one parent must have this. Attachment served along with the Petition and Order to Show Cause, on the other non-signing parent, and proof of service must be filed with the court.  IT IS SO ORDERED. Date: 03/08/2021 Sim von Kalinowski  Judge of the Superior Court.  03/19, 03/26, 04/02, 04/09/2021 CN 25198

Fictitious Business Name Statement #2021-9004054 Filed: Mar 09, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Dreamtime Dentistry Dental Group of Ryan Watkins DDS Inc. Located at: 950 Vista Village Dr., Vista CA San Diego 92084. Mailing Address: 2615 Via Eco, Carlsbad CA 92011. Registrant Information: 1. Ryan Watkins DDS Inc., 3039 Jefferson St. #A, Carlsbad CA 92008. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  07/01/2011 S/Ryan Watkins, 03/19, 03/26, 04/02, 04/09/2021 CN 25217

Fictitious Business Name Statement #2021-9004944 Filed: Mar 15, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Gorditos. Located at: 981 Civic Center Dr., Vista CA San Diego 92083. Mailing Address: Same. Registrant Information: 1. Jose Alberto Diego-Torres, 981 Civic Center Dr., Vista CA 92083. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Jose Alberto Diego-Torres, 03/19, 03/26, 04/02, 04/09/2021 CN 25216

Fictitious Business Name Statement #2021-9004210 Filed: Mar 09, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Hoover & Taylor Industrial Properties. Located at: 2834 Calle de Malibu, Escondido CA San Diego 92029. Mailing Address: Same. Registrant Information: 1. Marianne Hoover, 2834 Calle de Malibu, Escondido CA 92029; 2. Brooke C Taylor, 26122 Paseo Marbella, San Juan Capistrano CA 92675. This business is conducted by:  Unincorporated Association-Other than a Partnership. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  02/11/2015 S/Marianne Hoover, 03/19, 03/26, 04/02, 04/09/2021 CN 25214

Fictitious Business Name Statement #2021-9004148 Filed: Mar 09, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Solomons Strategic Advisors. Located at: 13590 Jadestone Way, San Diego CA San Diego 92130. Mailing Address: Same. Registrant Information: 1. Julian Stuart Solomons, 13590 Jadestone Way, San Diego CA 92130. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2010 S/Julian Stuart Solomons, 03/19, 03/26, 04/02, 04/09/2021 CN 25210

Fictitious Business Name Statement #2021-9003470 Filed: Mar 04, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Personally Fit, Rancho Santa Fe. Located at: 16236 San Dieguito Rd. #4-11, Rancho Santa Fe CA San Diego 92067. Mailing Address: PO Box 9045, Rancho Santa Fe CA 92067. Registrant Information: 1. Pro-Ross Inc., 16236 San Dieguito Rd. #4-11, Rancho Santa Fe CA 92067. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/1993 S/Scott A Ross, 03/19, 03/26, 04/02, 04/09/2021 CN 25209

Fictitious Business Name Statement #2021-9003205 Filed: Mar 02, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Muse Skin and Lash. Located at: 2911 Adams Ave., San Diego CA San Diego 92116. Mailing Address: 1250 25th St., San Diego CA 92102. Registrant Information: 1. Tracey Lynn Lontos, 1250 25th St., San Diego CA 92102. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2021 S/Tracey Lynn Lontos, 03/19, 03/26, 04/02, 04/09/2021 CN 25208

Fictitious Business Name Statement #2021-9004003 Filed: Mar 08, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Shear Madness Hair Designs. Located at: 243 N Hwy 101, Solana Beach CA San Diego 92075. Mailing Address: Same. Registrant Information: 1. Michael D Carno, 240 N Granados Ave., Solana Beach CA 92075. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  03/12/1987 S/Michael D Carno, 03/19, 03/26, 04/02, 04/09/2021 CN 25207

Fictitious Business Name Statement #2021-9004281 Filed: Mar 10, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Utility Safety Group. Located at: 1760 Yada Pl., Carlsbad CA San Diego 92008. Mailing Address: Same. Registrant Information: 1. Balefire Safety Systems Inc., 1760 Yada Pl., Carlsbad CA 92008. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Walter Daniel Cerkan, 03/19, 03/26, 04/02, 04/09/2021 CN 25206

Fictitious Business Name Statement #2021-9003755 Filed: Mar 06, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Quigley’s Customs. Located at: 4291 Dowitcher Way, Oceanside CA San Diego 92057. Mailing Address: Same. Registrant Information: 1. Julie Bollerud, 4291 Dowitcher Way, Oceanside CA 92057. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  03/01/2020 S/Julie Bollerud, 03/19, 03/26, 04/02, 04/09/2021 CN 25205

Fictitious Business Name Statement #2021-9003230 Filed: Mar 02, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Carlsbad Plaza Cleaners. Located at: 2588 El Camino Real #G-2, Carlsbad CA San Diego 92008. Mailing Address: Same. Registrant Information: 1. Jihun Song, 577 W Bobier Dr. #308, Vista CA 92083. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  04/02/2018 S/Jihun Song, 03/19, 03/26, 04/02, 04/09/2021 CN 25204

Fictitious Business Name Statement #2021-9003131 Filed: Mar 01, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. The Brahman Project Foundation. Located at: 2409 Sacada Cir, Carlsbad CA San Diego 92009. Mailing Address: Same. Registrant Information: 1. Sarah Jane Coombe, 2409 Sacada Cir., Carlsbad CA 92009. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  12/10/2020 S/Sarah Jane Coombe, 03/19, 03/26, 04/02, 04/09/2021 CN 25201

Fictitious Business Name Statement #2021-9003328 Filed: Mar 03, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Pacific Coast Pet Care. Located at: 6531 Camino del Parque, Carlsbad CA San Diego 92011. Mailing Address: PO Box 4447, Carlsbad CA 92018. Registrant Information: 1. Vernie A Scott Seach, 6531 Camino del Parque, Carlsbad CA 92011. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  02/15/2016 S/Vernie A Scott Seach, 03/19, 03/26, 04/02, 04/09/2021 CN 25200

Fictitious Business Name Statement #2021-9003172 Filed: Mar 01, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Mardi Gras Motors LLC. Located at: 253 Sunset Dr., Encinitas CA San Diego 92024. Mailing Address: Same. Registrant Information: 1. Mardi Gras Motors LLC, 253 Sunset Dr., Encinitas CA 92024. This business is conducted by:  Limited Liability Company. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Douglas Annison, 03/19, 03/26, 04/02, 04/09/2021 CN 25199

Fictitious Business Name Statement #2021-9003447 Filed: Mar 04, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Fleming Designs. Located at: 2425 Torrejon Pl., Carlsbad CA San Diego 92009. Mailing Address: Same. Registrant Information: 1. Pamela Lee Fleming, 2425 Torrejon Pl., Carlsbad CA 92009. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2021 S/Pamela Lee Fleming, 03/12, 03/19, 03/26, 04/02/2021 CN 25195

Fictitious Business Name Statement #2021-9003462 Filed: Mar 04, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. The Art of Healing Cuisine; B. Culture Creators For Humanity. Located at: 1610 S Pacific St. #1, Oceanside CA San Diego 92054. Mailing Address: Same. Registrant Information: 1. Valentina Visconti, 1610 S Pacific St. #1, Oceanside CA 92054; 2. Carlos Alberto Ruiz Arbelaez, 1610 S Pacific St. #1, Oceanside CA 92054. This business is conducted by:  Married Couple. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  05/01/2016 S/Valentina Visconti, 03/12, 03/19, 03/26, 04/02/2021 CN 25193

Statement of Abandonment of Use of Fictitious Business Name #2021-9003443 Filed: Mar 04, 2021 with San Diego County Recorder/County Clerk. Fictitious Business Name(s) To Be Abandoned: A. Encinitas Colon Hydrotherapy. Located at: 965 2nd St., Encinitas CA San Diego 92024.  Mailing Address: 1106 2nd St. #350, Encinitas CA 92024. The Fictitious Business Name Referred to Above was Filed in San Diego County on: 08/10/2009 and assigned File #2009-023068. The Fictitious Business Name is being Abandoned By: 1. Dona L King-Rogers, 1106 2nd St. #350, Encinitas CA 92024. The Business is Conducted by: A Individual. S/Dona L King-Rogers, 03/12, 03/19, 03/26, 04/02/2021 CN 25192

Fictitious Business Name Statement #2021-9003276 Filed: Mar 03, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Locals Only Hot Sauce. Located at: 9368 Aldabra Ct., San Diego CA San Diego 92129. Mailing Address: Same. Registrant Information: 1. Locals Only Hot Sauce LLC, 9368 Aldabra Ct., San Diego CA 92129. This business is conducted by:  Limited Liability Company. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2021 S/Geoff Waddell, 03/12, 03/19, 03/26, 04/02/2021 CN 25188

Fictitious Business Name Statement #2021-9003054 Filed: Feb 26, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Trippe Interiors. Located at: 802 ½ Michigan Ave., Oceanside CA San Diego 92054. Mailing Address: Same. Registrant Information: 1. Carly Gage Trippe, 802 ½ Michigan Ave., Oceanside CA 92054. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Carly Gage Trippe, 03/12, 03/19, 03/26, 04/02/2021 CN 25186

Fictitious Business Name Statement #2021-9003500 Filed: Mar 04, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. The Goddess Magic Circle. Located at: 4656 Marlborough Dr., San Diego CA San Diego 92116. Mailing Address: Same. Registrant Information: 1. Susan M Guillory, 4656 Marlborough Dr., San Diego CA 92116. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Susan M Guillory, 03/12, 03/19, 03/26, 04/02/2021 CN 25185

Fictitious Business Name Statement #2021-9003198 Filed: Mar 02, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Colily Candles. Located at: 11088 W Ocean Air Dr. #318, San Diego CA San Diego 92130. Mailing Address: Same. Registrant Information: 1. Jenna Ashley Lade, 11088 W Ocean Air Dr. #318, San Diego CA 92130. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Jenna Ashley Lade, 03/12, 03/19, 03/26, 04/02/2021 CN 25184

Fictitious Business Name Statement #2021-9002926 Filed: Feb 25, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Swell Automotive. Located at: 7490 Opportunity Rd. #2290, San Diego CA San Diego 92111. Mailing Address: 3105 La Costa Ave., Carlsbad CA 92009. Registrant Information: 1. Jacob Donovan Canady, 3105 La Costa Ave., Carlsbad CA 92009. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Jacob Donovan Canady, 03/12, 03/19, 03/26, 04/02/2021 CN 25183

Fictitious Business Name Statement #2021-9002919 Filed: Feb 25, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Sunny Fathoms. Located at: 4181 Kimberly Ln., Oceanside CA San Diego 92056. Mailing Address: Same. Registrant Information: 1. Adrian David Sieminski, 4181 Kimberly Ln., Oceanside CA 92056. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Adrian David Sieminski, 03/12, 03/19, 03/26, 04/02/2021 CN 25182

Fictitious Business Name Statement #2021-9002822 Filed: Feb 22, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Open Eye Hemp. Located at: 3231-C Business Park Dr. #201 Vista CA San Diego 92081. Mailing Address: Same. Registrant Information: 1. C21 Brands LLC, 1700 Aviara Pkwy #131452, Carlsbad CA 92013. This business is conducted by:  Limited Liability Company. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/22/2021 S/Kevin Davis, 03/12, 03/19, 03/26, 04/02/2021 CN 25181

Fictitious Business Name Statement #2021-9001895 Filed: Feb 04, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Pleats Fine Tailoring and Dry Cleaning; B. Pleats Fine Tailoring. Located at: 844 W San Marcos Blvd. #106 & 107, San Marcos CA San Diego 92078. Mailing Address: Same. Registrant Information: 1. Pleats Inc., 844 W San Marcos Blvd. #106 & 107, San Marcos CA 92078. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2006 S/Paulette Rosarie Khoury, 03/05, 03/12, 03/19, 03/26/2021 CN 25180

Fictitious Business Name Statement #2021-9002660 Filed: Feb 17, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Koukal Pool Services. Located at: 720 California St., Oceanside CA San Diego 92054. Mailing Address: Same. Registrant Information: 1. Kyle Louis Koukal, 720 California St., Oceanside CA 92054. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2020 S/Kyle Koukal, 03/05, 03/12, 03/19, 03/26/2021 CN 25178

Fictitious Business Name Statement #2021-9002607 Filed: Feb 11, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. The Compost Group. Located at: 1232 Los Vallecitos Blvd. #115, San Marcos CA San Diego 92069. Mailing Address: 583 Hygeia Ave. #A, Encinitas CA 92024. Registrant Information: 1. Sustainable Analysis LLC, 583 Hygeia Ave. #A, Encinitas CA 92024. This business is conducted by:  Limited Liability Company. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2020 S/Naomi Wentworth, 03/05, 03/12, 03/19, 03/26/2021 CN 25176

Fictitious Business Name Statement #2021-9002498 Filed: Feb 10, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Bloomers Academy. Located at: 7111 Eldridge St., San Diego CA San Diego 92120. Mailing Address: Same. Registrant Information: 1. Bloomers Academy, 7111 Eldridge St., San Diego CA 92120. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/25/2021 S/Atria Lutz, 03/05, 03/12, 03/19, 03/26/2021 CN 25175

Fictitious Business Name Statement #2021-9002718 Filed: Feb 18, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Carlsbad Car Rentals. Located at: 6030 Avenida Encinas #E, Carlsbad CA San Diego 92008. Mailing Address: Same. Registrant Information: 1. Halo Motor Company, 5444 Paseo del Norte, Carlsbad CA 92008. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/25/2021 S/Judith A Jones-Cone, 03/05, 03/12, 03/19, 03/26/2021 CN 25169

Fictitious Business Name Statement #2021-9002757 Filed: Feb 19, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Resilience Psychological Services. Located at: 5252 Balboa Arms Dr. #183, San Diego CA San Diego 92117. Mailing Address: 4231 Balboa Ave. #1360, San Diego CA 92117. Registrant Information: 1. Victoria A Farrow, 5252 Balboa Arms Dr. #183, San Diego CA 92117. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Victoria A Farrow, 03/05, 03/12, 03/19, 03/26/2021 CN 25167

Fictitious Business Name Statement #2021-9002717 Filed: Feb 18, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Carlsbad Car Rentals. Located at: 6030 Avenida Encinas #3, Carlsbad CA San Diego 92011. Mailing Address: Same. Registrant Information: 1. Oceanside Auto Country Inc., 6030 Avenida Encinas #A, Carlsbad CA 92011. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/25/2021 S/Judith A Jones-Cone, 02/26, 03/05, 03/12, 03/19/2021 CN 25164

Fictitious Business Name Statement #2021-9002535 Filed: Feb 11, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Christmas Luck. Located at: 1635 Turnberry Dr., San Marcos CA San Diego 92069. Mailing Address: Same. Registrant Information: 1. Jeffrey Kuester, 1635 Turnberry Dr., San Marcos CA 92069; 2. Dino Ditta, 591 Sturgeon Dr., Costa Mesa CA 92626. This business is conducted by:  General Partnership. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/01/2021 S/Jeffrey Kuester, 02/26, 03/05, 03/12, 03/19/2021 CN 25159

Fictitious Business Name Statement #2021-9002554 Filed: Feb 11, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. The Shout House; B. Garage Kitchen + Bar. Located at: 655 4th Ave., San Diego CA San Diego 92101. Mailing Address: 6306 Paseo Descanso, Carlsbad CA 92009. Registrant Information: 1. CHW Entertainment Inc., 655 4th Ave., San Diego CA 92101. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  03/24/2004 S/Bob Walin, 02/26, 03/05, 03/12, 03/19/2021 CN 25158

Fictitious Business Name Statement #2021-9001413 Filed: Jan 29, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Sun Flor Co. Located at: 835 Ladybug Ln., San Marcos CA San Diego 92069. Mailing Address: Same. Registrant Information: 1. Selena Rocio Arellano, 835 Ladybug Ln., San Marcos CA 92069. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Selena Rocio Arellano, 02/26, 03/05, 03/12, 03/19/2021 CN 25156

Fictitious Business Name Statement #2021-9002332 Filed: Feb 09, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. Moon Buggy Design and Manufacturing. Located at: 2438 Sarbonne Dr., Oceanside CA San Diego 92054. Mailing Address: Same. Registrant Information: 1. Trenton Alexander Wonsley, 2438 Sarbonne Dr., Oceanside CA 92054. This business is conducted by:  Individual. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  01/25/2021 S/Trenton Wonsley, 02/26, 03/05, 03/12, 03/19/2021 CN 25155

Fictitious Business Name Statement #2021-9000530 Filed: Jan 20, 2021 with County of San Diego Recorder/County Clerk.  Fictitious Business Name(s): A. C-SIDE Biopharma. Located at: 619 S Vulcan Ave. #206, Encinitas CA San Diego 92024. Mailing Address: 3525 Del Mar Heights Rd. #1006, San Diego CA 92130. Registrant Information: 1. C-Side Supply, 619 S Vulcan Ave. #206, Encinitas CA 92024. This business is conducted by:  Corporation. Registrant First Commenced to Transact Business Under the Above Names(s) as of:  Not Yet Started S/Brandon David Coker, 02/26, 03/05, 03/12, 03/19/2021 CN 25154

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ADC Therapeutics SA (ADCT) Q4 2020 Earnings Call Transcript https://liverpool-il.com/adc-therapeutics-sa-adct-q4-2020-earnings-call-transcript/ https://liverpool-il.com/adc-therapeutics-sa-adct-q4-2020-earnings-call-transcript/#respond Tue, 27 Apr 2021 04:43:34 +0000 https://liverpool-il.com/?p=1612 Image source: The Motley Fool. ADC Therapeutics SA (NYSE:ADCT)Q4 2020 Earnings CallMar 18, 2021, 8:30 a.m. ET Contents: Prepared Remarks Questions and Answers Call Participants Prepared Remarks: Operator Thank you for holding. Good morning, and welcome to the ADC Therapeutics’ fourth-quarter and full-year 2020 financial and operating results conference call. [Operator instructions] At this time, I’d like […]]]>

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ADC Therapeutics SA (NYSE:ADCT)
Q4 2020 Earnings Call
Mar 18, 2021, 8:30 a.m. ET

Contents:

  • Prepared Remarks
  • Questions and Answers
  • Call Participants

Prepared Remarks:

Operator

Thank you for holding. Good morning, and welcome to the ADC Therapeutics’ fourth-quarter and full-year 2020 financial and operating results conference call. [Operator instructions] At this time, I’d like to turn it over to Amanda Hamilton, investor relations manager at ADC Therapeutics. Please proceed.

Amanda HamiltonInvestor Relations Manager

Thank you, operator. This morning, we issued a press release announcing our fourth quarter and year-end 2020 financial results and business update. This release is available on the ADCT website at ir.adctherapeutics.com under the press releases section. On today’s call, Chris Martin, chief executive officer; Jay Feingold, chief medical officer; and Jen Creel, chief financial officer, will discuss recent business highlights and review our fourth quarter and year-end 2020 financial results.

In addition, Jennifer Herron, our chief commercial officer, will be available for questions. As a reminder, this conference call may contain forward-looking statements. Such statements are subject to risks and uncertainties. Additional information concerning factors that could cause actual results to differ materially from those expressed or implied in these statements is contained in our annual report on Form 20-F filed today with the SEC.

Such statements speak only as of the date of this conference call, and we expressly disclaim any obligation or undertaking to update these forward-looking statements unless required to do so by applicable law. Today’s presentation also includes non-IFRS financial measures. These non-IFRS measures have limitations as financial measures and should be considered in addition to and not in isolation or as a substitute for the information prepared in accordance with IFRS. You should refer to the information contained in the company’s fourth-quarter earnings release for definitional information and reconciliations of historical non-IFRS measures to the comparable IFRS financial measures.

It is now my pleasure to pass the call over to our CEO, Chris Martin. Chris?

Chris MartinChief Executive Officer

Thanks, Amanda, and thank you all for joining us this morning. We made tremendous progress over the last year at ADC Therapeutics. We reported several meaningful data readouts across our programs at key medical meetings such as EHA and ASH. Advanced our promising development pipeline of potent and targeted antibody drug conjugates for patients.

We built out our commercial team and infrastructure and finance the company to ensure we can execute on our goals and objectives. During the fourth quarter, we saw much of this hard work come together when we received FDA acceptance of our BLA submission for our deep product candidate Lonca. The treatment of relapsed or refractory DLBCL. As we approach our May 21 PDUFA date and the planned commercial launch, we are ensuring that we are well-prepared across our commercial, medical affairs, CMC and support functions.

I’ll share more about our launch preparations in a moment. For our second lead program Cami, we completed enrollment in our pivotal trial, bringing us one step closer to potentially addressing an unmet need in heavily pretreated Hodgkin lymphoma patients. We look forward to reporting updated interim data from the trial in the first half of this year. Jay will go into more detail on the Cami program shortly.

We also had a very productive research pipeline at ADC Therapeutics, and we are continuing to invest in our research portfolio. To support this effort, we are moving our London-based research team to a new state-of-the-art antibody drug conjugate research center at the Translation & Innovation Hub, or I-HUB, of Imperial College in Central London. Research center will enable further innovation, including the advancement of our ADC platform and pipeline of 7 preclinical and research stage programs. As we continue to build out our global footprint, we announced in December the formation and launch of a new joint venture, Overland ADCT BioPharma, to develop and commercialize four of ADCT’s product candidates for hematologic and solid tumors in Greater China and Singapore.

I would now like to give you a more in-depth update for Lonca and our launch preparations. In November, the FDA accepted our BLA filing for Lonca and granted priority review with a PDUFA target date of May 21, 2021. As we have previously discussed, this submission is based on data from our pivotal Phase 2 trial LOTIS 2, which evaluated the efficacy and safety of Lonca in patients with relapsed or refractory DLBCL, following 2 or more lines of prior systemic therapy. The data demonstrates significant single-agent activity and durability as well as manageable toxicities across a broad population of relapsed or refractory DLBCL patients, including patients with difficult-to-treat disease.

We are finalizing our preparations for Lonca’s launch subject to approval. We have deployed a highly experienced and focused oncology field medical affairs team, who has been very successfully engaging with thought leaders, academic medical centers and community leaders across the country. We’re very encouraged with the access to leading DLBCL clinicians and the valuable insights we have gained through these interactions. Our sales force is fully onboard and making the final preparations for anticipated launch.

We have recruited a national sales force of seasoned oncology professionals with deep hematological experience, strong local networks and the experience to effectively communicate the Lonca value proposition. Our launch plans include customer engagement ranging from purely virtual to hybrid to face-to-face interactions. And our teams are ready and well positioned to engage all of our customers with an individual approach respecting local and institutional guidelines as well as the customer preference. We have developed multichannel communications to ensure that all key audiences, physicians, nurses, office managers, payers and patients receive the necessary information and support to ensure the open access and safe administration of Lonca.

Our account directors and MSLs have begun appropriate discussions with payers and other key stakeholders regarding the unmet medical needs in patients with DLBCL. As our cross-functional teams have met with access stakeholders, our MSLs have been able to address questions about the differentiated profile of Lonca. The 10,500 third-line plus DLBCL patients estimated in the U.S. and EU create a market size of $1 billion.

And we believe that Lonca’s differentiated profile creates an opportunity for it to become the standard of care in third line. We are also on track from a CMC perspective. All of our contract manufacturers are highly experienced. For example, AVID, Lonza and BSP, and all have been previously inspected by regulatory agencies.

We’re also implementing our third-party supply logistics in the U.S. to ensure our launch readiness. In addition to our launch preparations, we have also made important progress toward realizing the full potential of Lonca through our life cycle development efforts. We are fully developing Lonca to move into earlier lines of treatment and new indications in the future.

I will now hand the call over to our chief medical officer, Jay Feingold, who will discuss this as well as Cami and our earlier-stage programs in greater detail. Jay?

Jay FeingoldChief Medical Officer

Thank you, Chris and good morning. I am pleased to present an update today on both the clinical and preclinical programs. Starting with our lead program, Lonca. As Chris mentioned, we see great opportunity to expand the addressable patient population.

Updated data from our LOTIS 2 single arm open-label and 145 patient Phase 2 clinical trial was presented at the recent ASH meeting in December. These data continue to demonstrate market significant and durable antitumor activity. Based on the robust single-agent activity, we are currently advancing multiple clinical trials evaluating Lonca in combinations with earlier lines of therapy in DLBCL and in additional histologies. First among these studies is our ongoing pivotal Phase 2 LOTIS 3 trial and Lonca combined with ibrutinib for patients with relapsed or refractory diffuse large B-cell lymphoma or mantle cell lymphoma, which is intended to support the submission of a supplemental BLA.

Interim data for this trial were presented at ASH and showed encouraging efficacy and manageable toxicity and overall response rate of 62.9% across all patients and 67% in non-GCB DLBCL patients. Enrollment for the pivotal Phase 2 portion of the trial is ongoing with 26 out of 66 non-GCB patients enrolled as of February 12. We expect to report additional data from the Phase 1 portion of this trial in the first half of this year. We also initiated our Phase III LOTIS 5 clinical trial of Lonca in combination with rituximab.

This confirmatory trial is designed to fulfill our post-marketing requirement to the FDA for a full approval, if accelerated approval is received through relapsed or refractory DLBCL. Those describe is also intended to support a supplemental BLA for Lonca as a second-line therapy to relapsed or refractory DLBCL patients, who are not eligible for stem cell transplant. The trial is evaluating the safety and efficacy of Lonca in combination with rituximab versus standard immunochemotherapy and the primary endpoint is progression-free survival. In order to ensure that all allegeable patients have access to Lonca at the start of 2021, we initiated an expanded access program for patients in the United States with relapsed or refractory DLBCL.

The FDA-approved program requires treating physicians in the U.S. to request access to patients who can not be treated by currently available drugs, cell therapy or clinical trials. We intend to initiate several additional market trials this year. First, we plan to commence a pivotal Phase 2 clinical trial in follicular lymphoma in the first half.

In addition, we will also evaluate Lonca in multiple combinations in B-cell non-Hodgkin lymphoma. Finally, we plan to initiate a dose-finding study of Lonca in combination with R-CHOP in first line DLBCL. All of these trials will accelerate the development of Lonca in the earlier lines of therapy across B-cell non-Hodgkin lymphoma. Moving to our second lead program, Cami.

We have made progress across both our HL and solid tumor programs. We completed enrollment in our Phase 2 clinical trial in patients with relapsed or refractory Hodgkin lymphoma. Interim data from this trial were presented at ASH with data as of August 24, 2020, included 51 treated patients who’ve had a meeting of 7 prior lines of therapy. These data were consistent with the Phase 1 trial, demonstrating encouraging single agent standard antitumor activity.

The overall response rate for this patient population was 83% with a complete response rate of 38.3%. No other safety signals were observed and a trend with regard to Guillain-Barre syndrome remains unchanged, suggesting Cami’s potential to offer an effective treatment with a management safety profile to address an unmet medical need in heavily pretreated patients. As of January 29, the 117 patients were enrolled in the trial. Updated data from this trial expected in the first half of 2021, and we expect these data support an FDA BLA submission through relapsed or refractory Hodgkin lymphoma.

In addition to our HL program, in late 2020, we dosed our first patient with Cami in combination with pembrolizumab, a checkpoint inhibitor, in ongoing Phase 1b clinical trial in patients with selected advanced solid tumors. The multicenter, open-label, dose escalation and dose expansion trial is evaluating the safety, tolerability, pharmacokinetics and anti-tumor activity of Cami as monotherapy or in combination with pembrolizumab. The trial was expanded into a combination arm as a result of encouraging PD and biomarker data presented at the ESMO Congress in September 2020. Enrollment is ongoing.

In our earlier stage pipeline, MD Anderson continues to enroll a Phase 1/2 trial of ADCT-602, targeting CD22, in relapsed or refractory acute lymphocytic leukemia. We are also preparing to initiate a Phase 1b combination trial with ADCT-601, targeting AXL, in patients with certain solid tumors in the second half of 2021. In addition, we’ve planned to submit an IND for ADCT-901, targeting KAAG1, for the treatment of advanced solid tours with high unmet local need in the first half of 2021. And finally, we have a robust R&D pipeline with 7 programs in preclinical development.

With that, I will turn the call over to Jen to give a financial update.

Jen CreelChief Financial Officer

Thank you, Jay and good morning, everyone. As we reported in our press release, we ended the year with cash and cash equivalents of approximately $439.2 million as compared to approximately $115.6 million as of December 31, 2019. We used approximately $51.7 million in net cash for operating activities in the fourth quarter and $168.7 million in net cash for the full-year 2020. We expect our spend to continue to increase over the next few quarters, funded by our strong balance sheet, as we prepare for the anticipated launch of Lonca and continue to invest in our broad pipeline.

R&D expenses were $48.6 million for the fourth quarter and $142 million for the full-year ended December 31, 2020, compared to $30.4 million and $107.5 million for the same quarter and full-year 2019. The increase for the quarter and for the full year was primarily due to the growth of our R&D organization to support the Lonca BLA submission, medical affairs, prelaunch activities and multiple Lonca and Cami clinical programs. During the fourth quarter of 2020, we started to present sales and marketing expenses as a separate line item, in anticipation of the commercial launch of Lonca. Sales and marketing expenses were $9.4 million for the quarter and $22.1 million for the full year ended December 31, 2020.

The company did not incur a material amount of sales and marketing expenses during the quarter and full year ended December 31, 2019. And those 2019 expenses were classified as general and administrative. The increase in sales and marketing-related to the build-out of the company’s commercial organization and investments in preparation for the anticipated launch of Lonca in mid-2021. G&A expenses were $20.1 million for the quarter and $55.1 million for the full year ended December 31, 2020, compared to $5.3 million and $14.2 million for the same quarter and year-end 2019.

The increase was primarily due to increased share-based compensation expense and the cost of being a public company. Our net loss was $55.9 million for the fourth quarter and $246.3 million for the full year ended December 31, 2020, compared to $35.3 million and $116.5 million for the same quarter and full-year 2019. Net loss was impacted by share-based compensation expense of $15.4 million for the fourth quarter and $42.9 million for the full-year 2020. We also recognized a gain of $24.5 million during the quarter and full year ended December 31, 2020, related to our contribution of intellectual property to the Overland ADCT BioPharma joint venture.

The net loss for the full year ended December 31, 2020, also includes a noncash charge of $45.4 million related to the changes in fair value of derivatives associated with the convertible loans under the convertible credit facility with Deerfield. The year-to-date increase in fair value was driven by the increase in the company’s share price since its initial public offering in May 2020. Our diluted net loss per share was $0.73 in the fourth quarter and $3.77 for the full-year 2020 compared to $0.69 and $2.36 in the fourth quarter and full-year 2019. Finally, our adjusted net loss excludes certain items, including the Deerfield convertible loan, share-based compensation and the gain related to the contribution of IP to the Overland ADCT BioPharma joint venture.

Adjusted net loss was $63 million for the fourth quarter and $176.1 million for the full-year 2020 compared to $34.5 million and $115.4 million in the same quarter and full-year 2019. The adjusted diluted net loss per share was $0.82 for the quarter and $2.69 for the year ending December 31, 2020, compared to $0.68 and $2.34 for the same quarter and full-year 2019. With that, I will turn the call back to Chris for closing remarks. Chris?

Chris MartinChief Executive Officer

Thanks, Jen. As I said earlier in the call, this year has been a remarkable one for ADCT, and we are eager to maintain this momentum going forward. As we are working to ensure that we are well prepared for the successful launch of Lonca, if approved, we are also excited about advancing the other programs in our pipeline. To expand Lonca to earlier lines of therapy, in the first half of 2021, we expect to begin a pivotal Phase 2 trial in follicular lymphoma.

And the first-line dose-finding study with R-CHOP. We will also report updated data from the Phase 1 trial of Lonca in combination with ibrutinib in relapsed or refractory DLBCL as well as complete involvement in the pivotal Phase 2 expansion portion of this study. Later in the year, we expect to report data from the safety leading of the Phase III LOTIS 5 confirmatory trial in combination with rituximab. Moving to Cami, we await interim results from the pivotal Phase 2 trial in HL in the first half of the year and continued enrollment for the Phase 1b clinical trial of Cami in combination with pembro for the treatment of select advanced solid tumors.

In our earlier-stage clinical programs, we will continue patient enrollment in the ongoing Phase 1 study of ADCT-602, targeting CD22, in acute lymphocytic leukemia, and we plan to start a Phase 1b combination study of ADCT-601, targeting AXL, in multiple solid tumors in the second half of this year. Lastly, we continue to advance our preclinical assets and anticipate an R&D submission for ADCT-901, targeting KAAG1, in the first half of 2021. I look forward to updating you on our progress in the future. And we’ll now open the call for questions.

Operator?

Questions & Answers:

Operator

[Operator instructions]. Our first question comes from Tazeen Ahmad with Bank of America. You may proceed with your question.

Tazeen AhmadBank of America Merrill Lynch — Analyst

Hello. Good morning. Thank you for taking my question. Chris, just wanted to get your thoughts on how interactions with FDA are going as you approach your first PDUFA? There have been instances recently of some surprise feedback from CA, especially across multiple therapeutic areas.

And so with that in mind, I think investors are going to be keenly interested in hearing about how your discussions are going? And if you think you are on track to an uneventful, hopefully PDUFA, in the middle of the year? And then secondly, can you just remind us of how big is an initial commercial team you will launch with Lonca? How much of your commercial endeavors will initially be virtual? And how we should think about the early ramp expectations? Thank you.

Chris MartinChief Executive Officer

Good morning, Tazeen. Thank you for those questions. I’ll ask Jay to answer the first question because he’s daily interacting with it. And perhaps, Jennifer can then jump in on the commercial side.

Jay?

Jay FeingoldChief Medical Officer

Sure. With regard to the FDA, we’ve been very actively engaged with them. The process is moving along nicely. There have been absolutely no issues to date.

We have no reason to anticipate any problems with either site business to manufacturing facilities or to clinical sites. Everything is going on very well.

Tazeen AhmadBank of America Merrill Lynch — Analyst

Thanks, Jay. For your visits, are the visits virtual to the sites? Or are they in-person?

Jay FeingoldChief Medical Officer

Look, sort of a combination, and I’ll leave it at that.

Tazeen AhmadBank of America Merrill Lynch — Analyst

OK.

Jennifer HerronChief Commercial Officer — Analyst

Tazeen, this is Jennifer. Thanks for your questions around the commercialization of Lonca. I think I have mentioned before that we have built an entire commercial organization and infrastructure to enable launch on our own, and we’re very excited about that opportunity to bring Lonca to patients. We have a customer-facing team that’s over 70 highly skilled individuals deepen with oncology, hematology experience that spans market access, medical affairs and sales and we’ve sized our organization to cover more than 90% of the DLBCL opportunity.

In terms of our deployment or how we’re going to deploy? We’ve trained all of these teams already to launch Lonca in a hybrid environment, which is going to include, as Chris mentioned in his earlier remarks, purely virtual engagement through hybrid and then opportunistic face-to-face meetings and the teams are actually already been operating in this hybrid approach. And we think that we’re going to monitor it carefully as we go through the launch, and it’s fairly dynamic, and it’s variable across the country, but we’re going to be very opportunistic in managing and monitoring the end market performance very carefully. In terms of the launch update, we’re confident and prepared that we believe Lonca represents a meaningful treatment for patients with relapsed/refractory DLBCL. As I’ve alluded to, we’ve got a sophisticated plan to maximize that uptake, and we expect the launch to be very successful and well received by customers and patients and payers.

Tazeen AhmadBank of America Merrill Lynch — Analyst

OK. Maybe just one quick follow-up. In your discussions with physicians, have they been talking about patients during COVID, reducing their business and seeing physicians with less frequency? We have heard that some other oncology companies, as difficult as that might seem, people are skipping important appointments. And so just wanted to get a sense if you’re hearing that?

Jennifer HerronChief Commercial Officer — Analyst

Yes. I really think it depends on the specific tumor types that you’re talking about. I think in the relapsed/refractory DLBCL setting, because of the aggressive nature of the disease, we have not heard that type of patient behavior, if you will, from physicians directly, but I do — I am aware that other companies have made mention that COVID, because of patient visits, has interrupted their business to some extent. But we do not expect that, particularly as the country is opening up a little bit more.

Tazeen AhmadBank of America Merrill Lynch — Analyst

OK, thank you.

Operator

Thank you. Our next question comes from Matthew Harrison of Morgan Stanley. You may proceed with your question.

Matthew HarrisonMorgan Stanley — Analyst

Thanks. Good morning. I guess just one follow-up to the commentary you made about the site visits. Has there been — I guess, specifically, has there been a manufacturing inspection? Or is there one scheduled? And just if you could comment on that? And then I guess two other questions.

First, on — I believe, in your prepared remarks, I heard you make a comment about a frontline study with R-CHOP. Could you just talk about what sort of — I guess what sort of signal you would look for an early study to make an investment there? Because, obviously, a pivotal study there would be quite long and quite expensive. And then secondarily, I guess, could you comment on the CD25 solid-tumor combination study. And I guess the real question here is, how are you — or what are you going to look for in that initial study to figure out if you’re getting incremental activity versus the PD-1? Thanks.

Jay FeingoldChief Medical Officer

OK. So Matt, if I forget any of those questions just remind me.

Matthew HarrisonMorgan Stanley — Analyst

OK.

Jay FeingoldChief Medical Officer

With regard to the first question, we’ve not provided much detail with regard to FDA interactions. But I think it’s fair to say that as far as you know, all of the FDA’s investigation notice of our manufacturing is complete. So can we leave it at that for the moment?

Matthew HarrisonMorgan Stanley — Analyst

Sure. Sure. Thank you.

Jay FeingoldChief Medical Officer

In terms of Lonca plus R-CHOP, it’s a really great question. The first thing I could point out is can you give Lonca in addition to R-CHOP? And so it’s a dose-finding study, and depending on what sort of signal we see, then we have to identify which population of frontline patients who want to go to, is it the broad population or a specific subpopulation. But first, we need to see — first and foremost, can we get the two together. As you know, I’m not a fan of eliminating the parts of R-CHOP, but rather adding to it would be my preference, if it’s possible.

And then can you remind me what the third question was? I’m sorry.

Matthew HarrisonMorgan Stanley — Analyst

Yes. So the third question was basically Cami plus PD-1 and that Phase 1 study that you’re starting, how are you going to — what are you going to look at in terms of either clinical data or biomarkers to figure out if you’re getting incremental activity over PD-1 in those solid-tumor patients?

Jay FeingoldChief Medical Officer

Yeah. That’s a great question. Thanks. So where is PD-1 is approved, obviously, we have to see some incremental improvement in response above what PD-1 is going to do itself.

So in tumor types where it’s approved, that’s what you’d expect to see. When it’s not approved, it had been studied in many different tumors where it’s not approved, but there’s data, right? So again, we would have to be able to show against literature where it’s available, while we’re hearing anything in terms of responsiveness. The other place we have to look, of course, is that durability of response, which is always, of course, extremely important in clinical benefit beyond just responding. So I think those are the things we’re really looking for.

We are doing a variety of biomarker studies as part of the study, and we’ll have more to say on that in the future.

Matthew HarrisonMorgan Stanley — Analyst

Thank you.

Operator

Thank you. Our next question comes from Konstantinos Aprilakis with Stifel. You may proceed with your question.

Konstantinos AprilakisStifel Financial Corp. — Analyst

Good morning, guys. Thanks for taking my question. I’ve got a few on LOTIS 3 and then one on the competitive landscape. So first, on the pivotal Phase two portion of LOTIS 3, you’re guiding to enrollment completion in the first half of this year, that seems to be ahead of schedule since you only initiated dosing in July of last year.

Can you comment on the pace of enrollment for that trial and perhaps what is driving its liquidity? And should we expect initial data from this trial by year-end? And then I’ll wait for the follow-up for the next question.

Jay FeingoldChief Medical Officer

Thanks for not stretching my memory. So in terms of the first question, the enrollment, let’s say, has been studied. I can’t — I don’t recall predicting that enrollment would take longer than the first half. But I remain optimistic we can still complete enrollment this year.

This study is going to require some follow-up of the response data. So I don’t think at this point I can advise on when we might see data from that trial — from the Phase 2 part of that trial.

Konstantinos AprilakisStifel Financial Corp. — Analyst

OK. Got it. And then on the competitive landscape, just earlier this week, your competitor in the DLBCL space posted — provided revenue guidance for 2021 fell short of consensus. What learnings have you been able to glean from Monjuvi’s recent entry into the DLBCL market, both with respect to impact from the ongoing COVID-19 pandemic in positioning with community oncologists versus academic centers?

Jay FeingoldChief Medical Officer

I’ll leave that to Jennifer.

Jennifer HerronChief Commercial Officer — Analyst

Yes, thanks. Konstantinos, thanks for the question. Yeah, I mean in terms of the learnings that we’ve had as we’ve been monitoring the landscape, I mean, it’s a really exciting time to be in relapse/refractory DLBCL. And over the last say 18 to 24 months, there have been a couple of new options for patients, which is exciting and really good news for patients.

And I think it also underlies the continuing unmet medical need. In relapsed/refractory DLBCL. I think that with Lonca, we have a unique opportunity because we have a differentiated profile. As we put our profile even against the competitors in front of treating physicians, both academic and community, the profile is resonating with them as a real-world example of the patients that they’re treating every day.

And so we are very excited about the opportunity, hopefully, in this very near future to bring Lonca to physicians and patients. We are confident in our plans, and we are just looking for FDA approval so that we are — we are ready for launch right now, but we’ll have to wait for FDA approval.

Konstantinos AprilakisStifel Financial Corp. — Analyst

All right. Thanks, guys. Looking forward to it.

Operator

[Operator instructions] And I’m not showing any further questions at this time. I would now like to turn the call back over to Chris Martin for any closing remarks.

Chris MartinChief Executive Officer

Well, thank you and thank you all very much for joining our call today. We look forward to keep you updated on our progress, and I wish you all a good day. Thank you. Bye.

Operator

[Operator signoff]

Duration: 35 minutes

Call participants:

Amanda HamiltonInvestor Relations Manager

Chris MartinChief Executive Officer

Jay FeingoldChief Medical Officer

Jen CreelChief Financial Officer

Tazeen AhmadBank of America Merrill Lynch — Analyst

Jennifer HerronChief Commercial Officer — Analyst

Matthew HarrisonMorgan Stanley — Analyst

Konstantinos AprilakisStifel Financial Corp. — Analyst

More ADCT analysis

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Podcast 289: Claire Tomkins of Future Family https://liverpool-il.com/podcast-289-claire-tomkins-of-future-family/ https://liverpool-il.com/podcast-289-claire-tomkins-of-future-family/#respond Tue, 27 Apr 2021 04:39:52 +0000 https://liverpool-il.com/?p=1603 The biggest decision in anyone’s life is the decision to start a family. For the growing segment of the population that can’t do so naturally there is, of course, fertility treatments. Now, this is an exciting, scary and often heart wrenching time. And for many people the financial burden for these treatments is too much […]]]>

The biggest decision in anyone’s life is the decision to start a family. For the growing segment of the population that can’t do so naturally there is, of course, fertility treatments. Now, this is an exciting, scary and often heart wrenching time. And for many people the financial burden for these treatments is too much to handle on their own and they have to turn elsewhere for support.

Our next guest on the Fintech One•On•One podcast is Claire Tomkins, the CEO and Founder of Future Family. Claire knows firsthand the joy and the devastation that this journey can entail but when she saw how backward the technology was and how no lender was focused on this segment she decided to do something about it. While Future Family provides financing for fertility treatments her vision goes way beyond being a financial partner for this important segment of the population.

This episode of the Lend Academy Podcast is sponsored by LendIt Fintech USA, the world’s largest fintech event dedicated to lending and digital banking.

FINTECH ONE-ON-ONE PODCAST #289-CLAIRE TOMKINS

Welcome to the Fintech One-on-One podcast, Episode 289.  This is your host, Peter Renton. Chairman and Co-Founder of LendIt Fintech.

(music)

Today’s episode is sponsored by LendIt Fintech USA, the world’s largest fintech event dedicated to lending and digital banking. LendIt’s flagship event is happening online this year on April 27th to 29th with the possibility of an exclusive VIP in-person component. The verdict is in on LendIt’s 2020 event that was held online with many people saying it was the best virtual event they’d ever attended. LendIt is setting the bar even higher in 2021, so join the fintech community at LendIt Fintech USA where you will meet the people who matter, learn from the experts and get business done. Sign up today at lendit.com/usa

Peter Renton: Today on the show, I am delighted to welcome Claire Tomkins, she is the CEO and Founder of Future Family. Now, as the name implies, Future Family is for those people who are looking to start a family via fertility treatment that obviously cost a lot of money these days and Future Family can provide financing help for that. They do that in some creative ways which we talk about in some depth, we talk about their underwriting and we also talk about how this is ….you know, they’re creating a community that is more than about just lending and financing. They’re really helping their clients through the entire process of fertility treatment and beyond and really it’s interesting what some of the ideas that Claire has there. We talk about who’s funding these loans and their business model and much more. It was a fascinating interview, hope you enjoy the show.

Welcome to the podcast, Claire!

Claire Tomkins: Thanks, Peter, great to be here.

Peter: Okay. So, I’d like to get this thing started by giving the listeners some background. You’ve had an interesting career, not super typical for a tech entrepreneur, but why don’t you give us some of the highlights, what you did before Future Family.

Claire: Yeah, absolutely, thanks for bringing that up. I recently had to go back and speak at my alma mater and I remember the introduction and thinking, wow, it was sort of eclectic or perhaps unfocused background (Peter laughs). I guess, I always say for folks out there who may be in a similar shoe, I think I discovered a little bit later in life that entrepreneurship was my true calling, but I certainly always interested in being on the problem solving side.

An engineer by training and came to the Valley to pursue a PhD at Stanford, I got off the lot and would recommend that to people and I think the verdict is a little bit still out, but, generally, I do not necessarily…I’m a huge proponent and then I moved into the green energy/clean air space. I actually had the opportunity there, being in the product marketing team, during the hyper growth years at SolarCity so that was a thrill, that was a great experience and then made the logical leap from solar into fertility, of course.

Peter: Right, so does everybody. (laughs)

Claire: Exactly, as one does in the Valley.

Peter: Right. So then, maybe we could just talk a little bit about……before we get to the details of your business, I mean, you already mentioned you’re in the fertility space, so tell us a little bit about that space and what was missing, what’s wrong with the space today.

Claire: Yeah. So, I got the first hand experience of what was missing or broken in the space by actually coming in as a patient so that sort of leap from solar to fertility was purely based on having gone through it myself and I think a couple of things, you know. It was an interesting experience for someone who’d never been in health care. I went to the doctor’s office for an annual visit and it was more like a social event than a real health care thing.

My first foray into the medical system was going through fertility treatment, you know, it was eye-opening that here we were right, you know, just off of 280, just past the end of the road and it was all beeper charts and everything was being done manually, there was nothing digital and at the end of the day, you know, they send you about 23 bills with different line items. It was an extremely expensive process and it was just was a head scratcher for me on well, how is this ever going to be a mainstream or consumer experience.

Peter: Right, right. So then, maybe you could tell us like how big is this industry. I’ve got to admit, we’ve never had anyone on the show from the space so why don’t you give us a little bit of the stats on the industry itself.

Claire: Yeah, exactly. Here’s the interesting thing and this is where like the actual leap from solar to fertility makes a little more sense for folks. Getting into the solar industry in the early days, it was, you know, the early 2000’s and there were about like 10,000 installations and it was all one profile. It was, you know, environmentalists who had cash and they were having people come out and build solar panels on their house and it was a really tiny market and then it grew out to be a multi trillion dollar market globally, multi-billion dollar market in the US and it all happened very quickly over the course of seven to nine years.

I think there’s an analogy to fertility, today it’s about a  $5 Billion/$6 Billion market in the US, but it’s just like solar in the early days. It’s a cash market and it’s hard to advertise in that, how markets change and change quickly when you move from a cash market to a finance market. And so, that was our innovation for SolarCity, it was this idea that if you wanted to make a solar mainstream, you want to consumerize the space, you need to offer people a package deal so full service, $250 a month, put solar panels on your roof, lower your energy bill, all of those things.

And you look at the fertility space and it’s like 2% of the population is getting IVF today, we’ll talk about how many people actually need it, we think it’s going to approach 20%.

Peter: Right.

Claire: The 2% are getting IVF today and it’s cash paid so that $5 to 6 Billion US market, that $30 Billion global market is poised to expand rapidly with the advent of more consumer friendly products, in particular more financing solutions.

Peter: Yeah. I think I was reading something just the other day actually, it talked about male fertility. Male fertility is dropping dramatically and they say it’s probably going to be a growth factor for you guys as well, I imagine.

Claire: It was already, you know, documented that in about one in eight couples face fertility challenges, exactly to your point, it’s because there’s male factor fertility issues as well as female factors, about one in eight already which is, you know, a large percentage of the population. And we think that with the age related, you know, rise in fertility challenges that could be as much as one in five.

Peter: Right.

Claire: So really, you know, 20% of the population need some support to help start and expand their family.

Peter: Right, right. So then, you said you came at this from a personal experience. Maybe you can just tell us a little bit about the founding story of Future Family.

Claire: Yeah. Well, as I mentioned, say like a gung-ho cleantech executive following kind of my passion in that area, but like so many women that I’ve met since starting Future Family, you know, in my early 30’s starting to work on building my own family and starting IVF and just discovering that it was, you know, initially very exciting, there was this technology to start a family and wow, but it ended up being a difficult journey. It took about two and a half years, a price tag that my husband likes to compare to having actually purchased a Tesla. (Peter laughs) Yeah, I think now that he’s a little older, he’s glad of the choice, but, yeah, it was quite the ordeal and I would say, obviously, the part that impacted me the most like people who found companies was the personal and emotional side.

It’s a deeply emotional and kind of isolating experience to go through round after round of failure, multiple miscarriages and obviously most of these was just kept under wraps, you know, while we were going through it and them coming up the other side. And really, over dinner one night, I still remember saying to my husband, God, I mean, someone needs to do something about this space like it cannot be so important, you know, to be able to start a family and yet be so challenging and now ended up being the beginning of the seed of the idea around Future Family.

Peter: Right. Because, I imagine, there’s probably, I don’t know how many, but probably millions of women out there that can’t afford IVF and I don’t feel like there’s any option so they don’t do it. I mean, maybe we can start with the……explain the core product, what sort of financing do you offer, what are you offering to people coming to Future Family?

Claire: Yeah. There’s a few different things here. So, you know, first of all a single round to educate the audience, a single round of IVF in the US today is costing about $22,000 on average, it varies by clinic and by geography and by whatever procedure you choose, but if we’re just talking averages, it’s $22,000. And that’s what we call like a fully loaded cost meaning there’s clinic fees, there’s pharmacy fees and there might be other costs like genetic testing and surgical or other fees that are involved at about $22,000 and as just discussed, you need more than one round of IVF.

So, what we’re doing at Future Family is offering consumers a way to get started that doesn’t involve having a financial barrier and frankly, that should be kind of the smart way, the smart financial way when you think about starting your family to move forward. So, we offer a packaged financial product with wraparound services, it’s a totally vertical solution and it works around fertility patients and the fertility industry. And so, the package itself, as you would imagine, you can start IVF somewhere between $350 and $450 a month, depending on what your package includes and you’ll have these wraparound services and that includes our custom fertility coaching platform.

So, we have a digital health layer at Future Family, we connect all of our clients or patients with registered nurses who have clinical training in fertility and they coach them through this experience of getting IVF or increasingly we have a lot of egg freezing patients that we can talk about, but through this experience of going through fertility treatment and it’s a complex journey with a lot of questions along the way.

Peter: Can you maybe tell us, what’s the demographic of the people coming to you today, particularly economically, it’s more what I’m thinking about, like who are your typical borrowers?

Claire: Yeah. So, what I love about it is it is an absolutely broad cross section geographically in the US and in terms of all the demographic variables and I think we would expect that because look at how fintech is changing the landscape for retail or, you know, looking at services including, of course, health care elective, health care where we are as well as durable goods like the whole space is being changed. I think you need to look no farther than the recent IPO, you know, Affirm went out not too long ago and what is it, about one-third of their revenue is being driven through Peloton…..

Peter: Right.

Claire: ….is now being consumed as a monthly purchase. Almost all consumers are looking to even out their cash flows, trade, CAPEX and OPEX and this is I think something that will continue to beat the entire ecosystem. So, we see the same thing reflected, this is a product that’s broadly designed we can access, but it’s also designed for all consumers who I think are going through fertility. I mean, you have a choice with Future Family’s very, very low rates starting at 5.99% and, you know, if you have a choice between doing that or using your savings or hire and transform your debt, etc., you’re going to come to us. So, that’s what we’re seeing today in the market.

Peter: So then, tell us, what about the underwriting process because I imagine you can’t accept everybody who comes through the door or your virtual door, you know, what are the criteria that you’re using?

Claire: Yeah. So, on the underwriting side, we are today…and this is how we represent…. how early stage fintech companies, certainly anybody who have been financing on platforms as we are, we’re starting at 680 and above and then we really are originating today really a prime portfolio. Our portfolio is benchmarking into the mid 700s in terms of the overall credit score. Now, we certainly can have an access….just to remind our own staff in the US today, about 65%, close to 70% of the US population is 680 and above. So, it’s not a huge number restrictor, you’re not getting everybody at 680 FICO, but you’re getting a lot of folks, but now, let me add-in one more layer that’s specific to fertility which is that …..you know, if you think about it, it’s a unique category and families come together to support each other around fertility.

Peter: Right.

Claire: So, we have today a Friends and Family Plan that is now live, it was in beta last year and this product allows any family member, parent, grandparent to be, sibling, you know, other members of your family and even really close friends to sponsor your fertility treatment. And so, I personally love this because the idea came from existing clients of ours who asked if there was a way that family members could contribute so we came up with this plan. And now, what it really says is not if you have 680 FICO or above, but if you have someone in your family or network who wants to sponsor your treatment plan, you can do that and that’s all possible today.

Peter: So, there are co-signers on the loan or do you do the loan just in the other person’s name, how does it work?

Claire: Yeah. They’re really a sponsor, they take out a loan on behalf of the patient and so it’s really like I’m sponsoring you on your behalf and actually, you know, it just performs much better than a co-signer loan. So, we’ve moved away from any sort of co-signer loans or relationships into this product where…..and infertility happens all the time. Moms who want to pay for egg freezing, dads who want to sponsor their daughter-in-law to go through treatment because, again, fertility challenges sometimes come out of nowhere, right. You’re trying for six months, you find out you’re going to need these and so it’s often friends and family that’s going to come to the rescue.

Peter: Right. You know, that’s great. So, suddenly your total addressable market has gone up dramatically because you have, you know, 60-year old parents be paying for this who has a great credit score so that makes it really interesting. So then, what about the loan term themselves, like are these five-year loans, three-year, what are you offering?

Claire: Yeah. So, we’re building a portfolio of five-year paper. I feel like that’s a great fit for this market because you’re trying to free large capital expenditure, right, $25,000. In our case, we may be offering multiple plans, multiple loans so they’re so affordable, they’re so accessible. If someone needs the second cycle of IVF or treatment, they can get it with us and that’s great. I’d say the question that I get the most, at least from the investors on the debt side, is really about do people not repay their loan when they’re not successful.

Peter: Exactly.

Claire: Hit that one head-on. Now, we have data around it and the answer is very simple, it’s no. There’s no correlation with success and repayment on the platform. Now, from my perspective, that’s also a little perplexing because it means there are people who will help start their family and they might even put down a loan, but the real insight here is it’s all prime credit. What we see is exactly what we’d expect. The lower end of the credit spectrum is where you can see some softness and the rest of the portfolio performs great. Actually, people who might need another round of IVF are most interested in keeping a good relationship with their lender and also keeping their credit score high. So, we have not seen any of that on the platform to date.

Peter: Can you give us some sense of loan performance. I mean, is there like delinquencies or defaults? Firstly, maybe when did you write your first loan and then give us some sense of how the portfolio has performed.

Claire: Yeah. So, we wrote our first loan, you know, this is a typical bootstrap story of how we built the company. So, those first loans were guaranteed by you know who and we built that first portfolio back in 2017. I know it well, I actually know the customers and that portfolio is a demo portfolio of 50 loans, about $1 Million, and we put that together, start proving out what this portfolio could do and we had a really simple insight that we stand behind which is, we’re aiming to build the best performing portfolio in the industry. By which….I mean, that we will outperform, you name it.

Any unsecured lender out there, you know, some of them have heard a lot of buzz around to profile their customer, our goal is to be a higher performing portfolio than all of those. And it comes down to one simple insight, it’s the customers that we’re getting on to our platform, we are getting customers who are 680 and above, who are in a responsible time of their lives and who are dual income households.

Peter: Right.

Claire: So, our customers….oh, and they have a personal relationship with our brand. It takes only a moment to just hop over and meet some of the reviews, but this is a company built with nurses and others who’ve been through IVF so there’s a lot of deep empathy on the team and that is leaning to really stellar performance. We have benchmark losses below 4% on a portfolio that’s not fully aged, but very close to.

Peter: Right, right, interesting, interesting. I also imagine that people….you know, you’re not a nameless credit card company or even…you are mission-driven in many ways and the mission to help with fertility. I imagine that you’ve got people who feel very strongly about your brand, I’m guessing, versus probably a typical fintech company.

So, I imagine that because you’ve got all these other add-on services you’re helping, I mean, let’s face it, this is the biggest decision in someone’s life, it’s a bigger deal than buying a house, it’s a bigger deal than buying a car. This is the biggest deal that people ever make and some people obviously really want to have children so maybe is that sort of your whole brand with all these others services. I presume it’s built around really making people more wedded to your brand, right.

Claire: Yeah. I mean, today…that’s right. I mean, you know, today 40% of the staff at Future Family have been through IVF. It would be interesting to see how that changes as we scale, but, of course, it goes almost without saying that 100% of the staff care about the mission and the thesis that we we’re working on, but there’s that embedded into kind of a DNA of the company. We’re also about 65% female. You know, our goal is to always be at least 50/50 because I think that if you look around that’s pretty representative so that’s, of course, both in seriousness and a little bit jokingly always say, at Future Family we hire women and enlightened men and we have a lot of those in our staff as well.

So, that’s great, but that’s right, I mean, we’re aiming to build a really great brand into the space because it feels like that was what was missing in going through this. I mean, medical technology is advancing so rapidly, it’s such an exciting area that you now……you know, you might not have been able to have your own children, now you can go in and you can with our medical technology. But, the other side of the equation, right, the consumerization of the space is still a big opportunity out there.

Peter: Right, right, right, for sure. So then, let’s just look back at the past year like we’re recording this in early March and so we’re coming up on the one-year anniversary of lockdowns and craziness that happened so two questions really. I mean, how did this impact your loan portfolio and then how did this impact demand for your product?

Claire: Yeah. So, it was an interesting year, to say the least, and actually put some thoughts together recently on this for a Forbes piece which is a couple of things. So, I think a lot of us in the lending space had an upside surprise in the sense that in 2020 we had lower losses than in 2019 and I think that’s consistent with what we’ve seen across the industry, right. Consumers were savvy, they maybe had picked out some lessons from the GFC a few years back in savings and stimulus checks and other forms of cash paid on debt to make sure that they were in a good credit position. So, we also benefited from that, the portfolio did really well this year, but it wasn’t without its challenges because the industry itself moved to Q2.

Elective health care in the US was closed, if you remember, a year ago in March, it didn’t matter if you were doing orthodonture or fertility or some other form of elective health care, you were non-essential and you were closed down, but the industry reopened in Q3 and has been coming back in a strong way. So, in terms of what it’s doing for demand, as my husband likes to say, at least you’re in an industry where you can rely on consistent demand. (Peter laughs) so that’s one thing. So, you know, some people definitely pushed/delayed their plans to start a family because of the COVID impact, because of the sensitivity around risks of being pregnant during the crisis, but that is really, if anything, represents pent-up demand.

There’s been a lot written about consumers’ sentiment to care more than ever about family, it’s become like sort of center so I think what we’re seeing is that certainly we’ve had a very hot start to 2021 and we’re anticipating there’s just a lot of pent-up demand through the system.

Peter: Right, right. And what about…I’ve read anecdotally about egg freezing and more women in their 30’s taking that on and you have a product for that as well?

Claire: We do and so here’s the interesting part about egg freezing. You know, in 2017/2018, it was about 10,000 we call cycles so 10,000 not necessarily the patient level, but measured cycles, we call it 10,000 women, and there are about 300,000 couples going through IVF. So, you know, a small market in 2017/2018, but 2020 was the year of the COVID pandemic and the year that moved more women than ever decide to freeze their eggs.

And the two are obviously coupled because if you take a moment you think gosh, all these women who were unfortunately not able to date and also at home in their Lululemon and decided like now is the moment so NYU reported about 40% CAGR on egg freezing in 2020. Some of our really good clinic partners at Future Family as mover with clinics across the US also saw a doubling or in some cases tripling of demand. So, maybe one of the things around the pandemic era is that it has started to accelerate egg freezing in a way that many of us have predicted would ultimately happen.

Peter: What sort of costs….how much does it cost to do an egg freezing?

Claire: Yeah. Egg freezing is not quite as expensive as IVF, but it’s a very similar process. So, if an IVF cycle in the US is averaging $22,000, an egg freezing cycle would be averaging around $16,000 and really the difference is just a little bit less medication and that you’re not going through a transfer. The front end of the process is identical, you’re going to go in, you’re going to have two weeks of  stimulating medication hence working from home is really great because you get a little bloated and you’re giving yourself shots every day. So, the work from home has been a boon for egg freezing but it’s similar to the IVF process.

Two weeks of stimulating hormones, you’re stimulating follicle growth so you’re producing more eggs and then you’ll go in for retrieval process. It’ll take about 24 hours of rest or recovery from the egg retrieval that usually everybody feels pretty good afterwards and then you can put, you know, eggs on ice, so to speak. We’ve also seen a big pick-up in embryo freezing. So, egg freezing, you still don’t know of those eggs how many you might be able to use in the future so I’d say it’s early days, but embryo freezing has more predictability associated with it. So, we’ve seen also a lot of women doing embryo freezing.

Peter: Interesting, interesting. Anyway, from embryo freezing to capital markets, I am going to take that segue, there’s still a lot to go on, but on the capital side of your business, I mean, how are you funding these loans? I mean, are you working with a bunch of different partners, what are you doing there?

Claire: Yeah. So, our capital structure, we have a great partners and always happy to acknowledge them based in New York, Atalaya Capital Management, who set-up our first credit facility. So, we work under a $100 Million credit facility that we jointly operate and that’s similar to a lot of early stage financing companies so we have a fully remote SPB, Bank of Sycamore, etc. and we pass the loans through that, in that way we don’t have drive on our balance sheet. That’s been a fantastic relationship for us. So, that’s how we’re set up on the facility side, but then we take in, you know, a corporate line and that, again, covers like the equity share from the loans.

So, if you think about how a lot of these early portfolios are built, you still have an equity strip in your loans, right, an advance rate on your facility. And so, to cover that equity strip, we took the approach of putting in some corporate debt, you know, very attractive interest rates so that you actually can really get away from using equity on the financing arm of the business. So, that has been kind of our structure and, of course, like many companies, we’re thinking already about how we’re going to ultimately build into the securitization markets and fully move in to whole loan sales and so forth.

Peter: Right, right, right. So then, can you give us some sense of the scale you guys are at today?

Claire: Yeah. So, I think, you know, what’s been exciting for us have been two things. It’s been, one, that this space is just wide open so we can say that we’re expanding and becoming the largest originator in this space. So, there have been some horizontal players that have been playing in the space before and I don’t think that because they haven’t had this vertical solution where they can really offer something differentiated for the consumer, they never really, what I would say, fully gone to scale. So, our view is that we want end 2021 as the largest originator in this new asset class and you know, we certainly will be eating through our $100 Million credit facility in the next 12 months and then looking for what’s next.

Peter: Right, right, okay. So then, I presume your primary source of revenue is in origination fees, is that correct or maybe you can just tell us a little bit about revenue model and other areas of revenue that you might want to expand into.

Claire: Yeah. So, on that side it’s really about the vertical player, right, so, yes, there’s obviously net interest margin that we make money on, but we actually are structured really around the idea of wraparound services for the consumer. So, our revenues are derived from membership fees, you know, from consumer fees that come up front, but for the wraparound services we’re receiving for the fertility coaching that we’re monetizing on our platform. We’ve been able to do so with great margin because it’s all digital as well as the sort of payment management and other support services that consumers take on the platform. So, we’re able to monetize that layer of wraparound services for the consumer and I think that’s a great place for the business to expand because you’re starting your family with us.

There’s a lot of other products and services we can bring you as your trusted financial partner when you’re starting your family. I mean, I say quite openly, like we know about the fact that you’re pregnant before Google does and that is a feat in today’s world (Peter laughs). I’ve better data than Google, we know exactly who is starting a family and who’s egg freezing so we’re right there. So, I think for us it’s always been about building that relationship with the consumer, that five-year relationship about starting…building their family with them. It starts with the services we offer from day one, we’re offering fertility coaching, we’re offering payment management, we’re doing a lot of education and support on platform and that evolves into additional products and services as you grow your family.

Peter: Right. That data is obviously very valuable, there’s a lot of companies that would really love to have that, but, you obviously……I mean, it’s interesting to me. As we’re talking I’m thinking, you know, you could easily have a business here where lending is a very minor part of the business and everything else is sort of wrapped around is core business. Let me just ask, what’s your vision? Future Family, you don’t have anything about finance in your name, you obviously have a pretty wide open….different ways you can take this so what’s the vision for Future Family?

Claire: Yeah. So, we have obviously a lot of building to do, but we have this vision that we can be the place that everybody comes to start their family and then stays with us to really build their family, like I think we’re in this pivotal moment where, you know, financial services and what happens in fintech can really determine a lot about which way we move as a society, right. It’s a lot about access, it’s a lot about financial resources and we’re at a time where the wealth divide is expanding and if fintech is done right, it call pull all of us together, if it’s done wrong, it can take us farther apart.

So, our big vision is we’re going to help everybody out there who wants to start and build a family. I think that’s what can bind us together in society and we’re starting out to see what we think is the big challenge around infertility. It’s going to affect 20% of the population over the next decade so it’s a good place to start, but we’re not going to stop there. We want every woman and couple who’s thinking about starting a family to come to Future Family and we will be your financial partner in making that happen.

Peter: So, beyond fertility, it sounds like.

Claire: Yeah, in the long term.

Peter: Right, right, this is super interesting, it’s a great mission. We have falling birth rates so we need to do everything we can to keep that going. It’s a great idea, it’s something that I think is definitely needed. So, thank you very much for coming on the show today, Claire.

Claire: Peter, great pleasure, thanks for having me.

Peter: Okay, see you.

Claire: Talk soon.

Peter: You know I saw struck talking with Claire how it really speaks to the possibilities in the fintech space where you can take a real verticalization approach. We’ve seen others do this in digital banking and even in lending as well, but what Claire has done here is taking a community that really is…it’s a really impactful process what these people are going through. It’s not like trying to get a loan for debt consolidation or buying a car or something like that, there’s a lot of emotion, there’s a whole range of different things that people go through when they’re doing this. So, what Future Family has done is really create like a support system around that. I just think that’s super interesting and as I said, lending can just end up being just a small part of their business as they really develop this a lot further.

Anyway on that note, I will sign off. I very much appreciate you listening and I’ll catch you next time. Bye.

Today’s episode was sponsored by LendIt Fintech USA, the world’s largest fintech event dedicated to lending and digital banking. LendIt’s flagship event is happening online this year on April 27th to 29th with the possibility of an exclusive VIP in-person component. The verdict is in on LendIt’s 2020 event that was held online with many people saying it was the best virtual event they’d ever attended. LendIt is setting the bar even higher in 2021, so join the fintech community at LendIt Fintech USA where you will meet the people who matter, learn from the experts and get business done. Sign up today at lendit.com/usa.

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7 powerful characteristics of a truly inspiring leader https://liverpool-il.com/7-powerful-characteristics-of-a-truly-inspiring-leader/ Fri, 19 Mar 2021 08:44:40 +0000 https://liverpool-il.com/7-powerful-characteristics-of-a-truly-inspiring-leader/ Inspirational leaders attract and engage others through their words, actions, and beliefs. Getty The ability to inspire is one of the most important leadership skills that separates great leaders from the middle. While there are many admirable bosses, there are only a handful of leaders who can infuse energy, passion, and connection into their actions […]]]>

The ability to inspire is one of the most important leadership skills that separates great leaders from the middle. While there are many admirable bosses, there are only a handful of leaders who can infuse energy, passion, and connection into their actions and behaviors. Coupled with a clear vision, mission and commitment to integrity that guides them in all they do to make the world a better place.

Oprah, Michelle Obama and Michael Jordan are known selfless role models who continue to inspire people around the world. Dr. Alyn Waller, pastor of Church of the Tabernacle of Énon in Philadelphia, PA, shared “When you’re an inspiring leader, you’re able to tell people and explain to them what you’re doing and where you’re going, and that makes them want to walk with you. “

Data Harvard Business School collected from nearly 50,000 executives learned that “the ability to inspire creates the highest levels of employee engagement and engagement.” Further away research conducted by Bain found that “inspired employees are twice as productive as satisfied employees.” As a result, companies know 21% more profitability, a 41% reduction in absenteeism and 59% less turnover.

Here are seven powerful characteristics that create truly inspiring leaders.

Commitment to values

Inspirational leaders are values ​​driven and lead from a deep sense of purpose and responsibility to create positive change. They have a clear understanding of their values ​​and don’t give in under pressure in situations where they would need to sacrifice their values ​​to get a result. That might not always make them popular, and despite the hate they receive, inspiring leaders recognize that it’s not always easy to be ethical, but it is fair.

Whatever the popular opinion, inspiring leaders stand up for what is right and fight against injustice. They act with integrity because they know employees are always watching and every action counts. Because of this, they stay true to their values ​​and incorporate them into everything they do. Dr Waller added “an inspiring leader embodies the principles of the very thing he is trying to lead.”

Invested in personal development

In order to continue to grow, leaders understand the importance of investing in their development. Liz Brown, founder of Sleeping Lucid, asserted that “inspiring leaders have a strong sense of who they are and are aware of their limitations.” Because of this, they recognize their weaknesses and always seek feedback to hone their skills. They know they are not the smartest person in the room and they rejoice in that because it pushes them to improve. As such, they view every opportunity, positive or negative, as an opportunity to learn.

Shine with authenticity

Leaders are able to connect with others because they are open to sharing their struggles, their stories, and their journey of what it took to get to where they are today. They recognize that their differences are what make them unique. Authenticity inspires authenticity. What they are at work is who they are at home, in the community and with their friends. They don’t wear different masks and treat everyone with respect and dignity.

Ethan Taub, CEO of Goalkeeper and Ready said: “To be a leader means to have the strength to be different and proud. It takes courage to be who you are in a world where there is only one box, but people need it, especially these days. Being able to help everyone understand the world and where it fits is something few do, but many have. ”

Skillful communicators

Not all communications are verbal and come in many forms. For example, actively listening, ignoring distractions, and making eye contact show others that they are valued. Body language alone communicates and builds trust and honesty. Patti Wood, MA, body language and communication expert, Inspirational Shared Leaders are great at matching and reflecting nonverbal cues and emotions in the room so others feel valued and understood.

When it comes to having difficult conversations, they know how to effectively communicate negative feedback in a way that doesn’t disengage the employee. When a member of their team is not meeting their goals, they take the time to sit down and tackle the root cause. From there, they work with the employee to determine how best to support the employee and give them the tools to be successful.

Encourage unity

Collaboration is an essential ingredient for an engaged and successful team. Inspirational leaders know the strengths and weaknesses of their team. This allows them to find ways to foster unity through peer mentoring, team projects or cross training. Unity is crucial for success, otherwise teams become siled. Liz Armbruester, Senior Vice President of Global Compliance at Avalara, expressed “nothing is more destructive for a team than a leader who does not want to collaborate”.

Inspirational leaders are engaged and motivated by the success of their team. Disruption and innovation are the result of creating an environment where people can come together to share their experiences, knowledge, opinions and ideas. Embracing collaboration helps individuals learn from each other while pushing them out of their comfort zone to achieve great things. In turn, employees gain confidence in their abilities and want to take more.

Accessible and inclusive

Instead of leading with emotions or fear-based tactics to get results, they focus on creating an environment in which their employees feel comfortable coming and talking to them. Accessible and inclusive leaders listen more than they speak, value diversity, welcome mistakes, reward originality, and appreciate the unique differences of others. Varying levels of work styles and personalities can create conflict and a disconnected team. Inspirational leaders know how essential it is to ensure that each individual is treated fairly and respectfully, feels a sense of belonging, and is psychologically safe. Therefore, create a strong and inclusive team culture.

Creating an inclusive culture focuses on the team as a collective rather than taking credit from others. Anton Smith, Director, Outreach and Engagement, shared his boss, Dr. Terrell Strayhorn, President and CEO of Do a good job, “Is very inclusive and we never hear him say” I, me, mine “because he always uses” we, us, our “. Smith added, “It motivates us to do our best because we know we are included and are part of the business. “

Embrace vulnerability and risk

Taking risks is an essential part of leadership. Rosa Parks, Henry Ford and Elon Musk are some of the leaders who have made a difference in this world by taking courageous risk with no guarantee of success. As Thomas Jefferson once said, “With great risk comes great reward.” Even if things don’t go as planned, inspiring leaders use the lessons of their rejections and failures to pivot their strategy and teach others what they have learned. Likewise, they are not afraid to take ownership of their mistakes by reminding employees that they are human. Their optimism and passion to realize their vision shows that there is always a solution even if it requires some setbacks and new plans.


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Kiva is truly a crowdfunding bank for refugees and other “non-bankables” https://liverpool-il.com/kiva-is-truly-a-crowdfunding-bank-for-refugees-and-other-non-bankables/ Fri, 19 Mar 2021 08:44:40 +0000 https://liverpool-il.com/kiva-is-truly-a-crowdfunding-bank-for-refugees-and-other-non-bankables/ You can download an audio podcast here or subscribe via itunes Where google play. You’ve probably heard of Kiva, but if you’re not one of the 1.7 million people who have taken out loans on the platform, you might not really know what it is. This crowdfunding platform is, in fact, a bank financed by […]]]>

You can download an audio podcast here or subscribe via itunes Where google play.

You’ve probably heard of Kiva, but if you’re not one of the 1.7 million people who have taken out loans on the platform, you might not really know what it is. This crowdfunding platform is, in fact, a bank financed by people who lend their money with the hope of losing little, to 2.9 million people who have a lot to gain.

Kiva co-founder and president Premal Shah, 42, joined me for a conversation about the site and how it works not only to make loans, but also to change lives in 85 countries around the world, including here in the United States. Watch the interview in the player at the top of the article.

Kiva lenders receive on average about 96% of their money and agree not to receive interest. “It’s done in a philanthropic way,” Shah says. For many, this is likely their first impact investment.

Premal Shah, Kiva

Credit: Kiva

The 110-employee, Silicon Valley-based nonprofit does not provide loans directly to borrowers. Instead, the organization partners with microlenders with a consistent impact goal and a proven track record. One thing that characterizes borrowers: By traditional standards, they’re not just unbanked, they’re not.

John Kluge, founder and CEO of the Refugee investment network, learned from Kiva while writing Charity and philanthropy for dummies but only connected with the organization three years ago during the SOCAP conference.

The connection has proven to be invaluable. Today, Kluge is an advisor to the Kiva board of directors. Kiva’s Senior Director of Investments for Refugees and Displaced Populations, Lev Plaves, sits on the Steering Committee of the Refugee Investment Network.

Working together, the organizations helped create the Kiva Global Refugee Fund in 2016. “Most financial institutions were afraid to lend to refugees because they saw refugees as a higher risk – why lend to anyone? one who could return to his country of origin?

Kluge notes that most refugees stay in their new home country indefinitely, for years or decades.

“Under Kiva’s 0% interest model, this enabled microfinance institutions in countries like Jordan, Lebanon, Rwanda, Mexico and Colombia, which were skeptical about the idea of ​​lending refugees to do so with minimal risk. It was almost like an R&D fund for them, ”explains Kluge.

The fund has provided $ 5 million in loans to over 8,000 refugees and has produced something that is almost priceless: data. The fund has proven that refugees are just as likely as most – and more likely than some – to repay their loans, making room for more loans and economic support for this particularly vulnerable population.

Kiva does not charge any interest or fees to its partners in the field, which allows them to access interest-free capital and thus make their loans to their borrowers affordable. Usually, borrowers pay interest. Kiva monitors its partners in the field to ensure both they are financially viable and that their loans are creating positive outcomes for borrowers, not just loan production numbers.

Shah describes microcredit as a tool in a toolbox to serve the under-served. “As with any tool in the Toolbox, if it’s not used correctly if not used responsibly, it might not be as useful as the original intent. “

In an effort to increase the impact on the lives of the people Kiva serves, she continues to innovate. One way to do this, Shah notes, is to better match repayment schedules to the economics of borrowers’ business.

For example, it locates farmers who can borrow to buy inputs like better seeds and fertilizers that will increase yields. Traditional weekly repayment plans would be onerous, if not prohibitive. Creating a loan with a grace period will allow Kiva to have the desired impact by allowing the farmer to repay the loan from the increased harvest.

“There is still a long way to go in terms of improving access to capital and we think what Kiva lenders are doing is looking for that sweet spot between high impact things that help the poor earn more money and sustainability in terms of repayment rates and in terms of something that can change with the markets, ”Shah says.

Over the years, Kiva has made loans totaling over $ 1.1 billion. About $ 100 million is currently overdue. And most of the rest has been collected and returned to the 1.7 million lenders, many of whom are reinvesting the money in Kiva loans.

Kiva’s operating costs are funded primarily through tips. Each time a lender grants a loan, they are asked to give an optional tip (the suggested amount is approximately $ 3.75, which is the operational cost of each loan). This covers over 60% of Kiva’s costs, and the rest is covered by donations, corporate partnerships and grants.

Dr Thane Kreiner, executive director of the Miller Center for Social Entrepreneurship at the University of Santa Clara, says: “

Kiva’s pioneering microcredit platform helped change the way a generation envisions ending poverty: providing an agency is more authentic than charity. More recent innovations like the Global Refugee Fund and the Direct to Social Enterprise program exemplify Kiva’s continued leadership. ” [
Disclosure: The university invited me to travel with a group to visit social enterprises in Kenya, Rwanda and
Uganda in 2017.]

Shah remains optimistic about the future, not only for Kiva but for the world. “One thing that’s exciting about technology is that it allows us to really bring out, hopefully, the best in humanity. When you can get involved in someone else’s story and invest in someone in West Africa or the Bronx, it’s really exciting to be part of their business trip, you know . And we don’t have to feel a sense of pity, but we can feel a sense of excitement and a sense of partnership with someone around the planet.


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Chelsea Loan Policy Shows Everything Wrong In Money-Driven Football World | Launderer report https://liverpool-il.com/chelsea-loan-policy-shows-everything-wrong-in-money-driven-football-world-launderer-report/ Fri, 19 Mar 2021 08:44:40 +0000 https://liverpool-il.com/chelsea-loan-policy-shows-everything-wrong-in-money-driven-football-world-launderer-report/ B / R United Kingdom Never one to make his voice heard in the media during his playing days, Paul Scholes has taken on a whole new character now that he’s retired. Whether it is views on the state of the Premier League and English football or other matters, he disregards his criticisms. And it […]]]>

B / R United Kingdom

Never one to make his voice heard in the media during his playing days, Paul Scholes has taken on a whole new character now that he’s retired.

Whether it is views on the state of the Premier League and English football or other matters, he disregards his criticisms. And it was this week that he suggested that non-league football is better to watch than the top flight.

With over £ 1 billion spent on transfer fees this summer, you must be wondering why. Across the Premier League, the level of player has increased. Same Bornemouth are making new signings for £ 15million when not so long ago they went bankrupt.

As a competition, there is an element of parity in the Premier League that makes it the spectacle it is. Add to that the fact that he’s marketed well and ahead of his rivals with building the league’s entire brand, and it’s no wonder that broadcasters are flocking for a piece of the pie. It’s exciting; well, apparently.

Loftus-Cheek is one of only three Chelsea academy players in the first team

Loftus-Cheek is one of only three Chelsea academy players in the first teamMichael Regan / Getty Images

This commercial success is as much the weakness of the Premier League as it is a strength.

“It’s about the money and sponsorship in England these days rather than football, rather than entertainment,” Scholes writes in new book Class of 92: Out of our league (speak Guardian). “And I don’t think it just comes from the top teams either. I think it goes throughout the league.”

The Scholes point is valid. Across English football we see clubs making the most of every aspect of their operation. They are no longer just football clubs, they have become corporations, and with that comes the hope of making money. A lot of money.

Chelsea tapped into a market few had considered. The Blues don’t just reap the rewards of endorsements and those TV deals, they enjoy a loan policy that allows them to buy players at a low price and sell them at a high price.

B / R Football @soccer

The number of players loaned by Chelsea https://t.co/5iJB6CYiAX

At the moment, the youth team policy is at odds with what we expect from it. Talented Chelsea youth – the same players who have dominated their age groups at home and away in recent seasons – do not feed Chelsea’s first team; they inflate others.

Rather than being used as a tool to keep the Blues from spending on the transfer market, it seems Chelsea’s academy operates separately from the club as a business that is there to make money as much as it does to produce players. It’s under the Chelsea brand, but with 38 players on loan this season, Chelsea have taken their politics to an industrial level.

Of course, of the 38 players Chelsea have sent through the Premier League and beyond, there are transfer hiccups included in that number. Loïc Rémy went to Crystal Palace– although he’s now back at Chelsea after suffering an injury – while Juan Cuadrado is another high-profile flop.

The bulk of those loan moves are with young Chelsea players or those who were signed young and fired immediately.

These players became commodities, which Scholes was alluding to. By investing in coaches and resources like they’ve done, Chelsea have shown they have a commitment to the players they bring. Likewise, they represent a number on the balance sheet.

Scholes went through Manchester United's youth system to become a club legend

Scholes went through Manchester United’s youth system to become a club legendRichard Heathcote / Getty Images

It’s all about the money, as Scholes suggests. Otherwise, why send enough players to represent an entire Premier League team, plus a half? That’s what Chelsea’s Loan Army is; these 38 players are numerous enough to create a new club that could keep up all season without ever needing reinforcements.

That’s not the point, however. What is concerning is that among these players one can count on one side those who have a realistic chance of making their way into the Chelsea first team one day. Kasey Palmer (loaned to Town of Huddersfield), Tammy Abraham (on loan from City of Bristol), Izzy Brown (at Rotherham united), Andreas Christensen (on loan from Borussia Monchengladbach) and Lewis Baker (at Arnhem speed) are the great hopes.

There are others, like Nathan Ake, who are well regarded, but the majority are players who will never have the idea of ​​one day becoming Chelsea players. And because of that, they should never be Chelsea players. Not now at least.

Lucas Piazon, who joined Fulham This season in regards to his fifth loan from Chelsea, says he’s had enough of the temporary moves he’s been forced to make.

“I’m sick of moving abroad”, he recently told Matt Barlow of the Daily mail. “One, two, three loans, maybe that’s enough.”

Piazon has been loaned out five times by Chelsea, including with Reading last season

Piazon has been loaned out five times by Chelsea, including with Reading last seasonBEN STANSALL / Getty Images

It might just be one lone player, but Piazon’s annoyance gives us some insight into what loan moves do to a player’s state of mind. Piazon has his belief undermined; In his own words, he is “tired” of always moving and never having time to settle in one place.

He should be able to do that at Chelsea, but with money still heavily invested in the first team, players like Piazon find themselves in a horrific cycle where loaned football becomes a reality. Managers come and go at Stamford Bridge, and those far from the club are not factored into the plans.

It’s all about instant success, and it doesn’t come with unproven players. Managers need the article finished now, and with just three players from the youth squad in their squad for 2016/17 – Ruben Loftus-Cheek, Ola Aina and Dominic Solanke – it’s clear Chelsea haven’t room for others.

Scholes’ disappointment with how money exerts such influence is rather apt as he managed to Manchester United, a club with a rich history of internal promotion. Now United have turned their backs on this story, instead looking to redeem their way to the top of the Premier League.

Patrick Roberts on loan to Celtic from Manchester City

Patrick Roberts on loan to Celtic from Manchester CitySteve Welsh / Getty Images

United have long missed the most expensive transfer in history with the £ 89million deal to bring Paul Pogba back to Old Trafford. Meanwhile, the young players who have impressed over the past year are now sent on loan themselves.

It’s not just Chelsea. United have a lot fewer players with five on loan this season, but that includes Cameron Borthwick-Jackson and Adnan Januzaj. their rivals Manchester city have 19 players on loan, including talented ex-youngster Fulham Patrick Roberts. Liverpool also have 11 players on loan.

It is the hoarding of talent, all with the aim of maintaining transfer values ​​so that clubs end up cashing in. The players themselves are not the goal but rather what they offer in value to the clubs, which are looking for new avenues of profit.

Chelsea have seen too many lost players namely Josh McEachran. After five loan moves himself, he joined Brentford last season when at this point in his career he was supposed to be a regular with the Blues.

McEachran was once the great hope of Chelsea academy

McEachran was once the great hope of Chelsea academyAlex Broadway / Getty Images

When Chelsea’s model of politics first emerged, it seemed like a wise way for the club to balance their first-team commitments and player development. More and more, this objective has changed; the loan market is becoming just as important as signing new sponsorship contracts.

“Money is the most important thing in football these days because the owners, the majority of them, are just interested in making money for their football club,” Scholes added.

Where is the sense of duty towards the young players that they have in their clubs? Why isn’t TV money more invested in football infrastructure? Why are clubs more interested in mega signings to boost sponsorship deals?

It’s all about the money, and the loan system shows us what’s wrong.

Garry Hayes is Bleacher Report’s senior correspondent in Chelsea. Follow him on twitter @garryhayes.



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Kraft Heinz reportedly set to sell planters to Hormel for $ 3 billion https://liverpool-il.com/kraft-heinz-reportedly-set-to-sell-planters-to-hormel-for-3-billion/ Fri, 19 Mar 2021 08:44:40 +0000 https://liverpool-il.com/kraft-heinz-reportedly-set-to-sell-planters-to-hormel-for-3-billion/ Top line Kraft Heinz is close to a deal offload its Planters brand to Hormel for $ 3 billion, as Hormel continues to acquire companies to diversify its product portfolio TORONTO, ONTARIO, CANADA – 2016/10/12: Mr. Peanut advertising balloon above the city of Toronto. Sir. … [+] Peanut is the advertising logo and mascot for […]]]>

Top line

Kraft Heinz is close to a deal offload its Planters brand to Hormel for $ 3 billion, as Hormel continues to acquire companies to diversify its product portfolio

Highlights

The the Wall Street newspaper reported on Tuesday that the deal could be announced next week, pending completion of ongoing talks.

Planters is a century-old brand, well known for its Mr. Peanut logo wearing a monocle

Hormel, whose main business is chili and deli products, has diversified in recent years by acquiring companies such as Sadler’s Smokehouse (specializing in smoked meats) for $ 270 million in 2020; and Justin’s Nut Butters (maker of organic peanut butter) for $ 286 million in 2016.

The deal for Planters would be Hormel’s biggest purchase to date, the Newspaper Noted.

Meanwhile, Kraft Heinz, itself the result of a 2015 merger between two food giants, sold some brands, including part of its cheese company last September to the French dairy company Lactalis for $ 3.2 billion, to cope with changing customer tastes

Key context

The newspaper notes that, like its cheese business, Kraft Heinz’s nut business is very commoditized – meaning the public thinks its products are identical to those made by a competitor, making price the primary determinant of sales. In recent years, Kraft Heinz has incurred significant impairment charges (that is, the reduction in the recoverable amount of certain assets) on various distressed brands, including Planters. In the second quarter of 2020, these charges totaled $ 2.9 billion. The Newspaper also speculated that many customers have turned to niche brands that are perceived to be healthier.

Tangent

While Mr. Peanut has appeared in Super Bowl commercials often, Kraft Heinz said the $ 5 million it would normally be spent on advertising for the games this year and instead go to individuals to reward them for their charitable acts.

Further reading

Hormel Foods: When to Book Profits? (Forbes)

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Government risks ‘wasting taxpayer money’ through Covid loan programs https://liverpool-il.com/government-risks-wasting-taxpayer-money-through-covid-loan-programs/ Fri, 19 Mar 2021 08:44:39 +0000 https://liverpool-il.com/government-risks-wasting-taxpayer-money-through-covid-loan-programs/ Monday October 26, 2020 2:10 p.m. The chairman of the trade, energy and industrial strategy committee criticized the government for its management of emergency loans for companies affected by the coronavirus pandemic. MP Darren Jones warned that unless ministers “learn” from the early rounds of support, they risk “wasting more taxpayer money.” In particular, he […]]]>

Monday October 26, 2020 2:10 p.m.

The chairman of the trade, energy and industrial strategy committee criticized the government for its management of emergency loans for companies affected by the coronavirus pandemic.

MP Darren Jones warned that unless ministers “learn” from the early rounds of support, they risk “wasting more taxpayer money.”

In particular, he expressed concerns that the government had rejected requests to release the names of companies receiving money through the programs, including the Coronavirus Business Interruption Loan Program (CBILS ), the Bounce Back Loan Program (BBLS) and the Future Fund. .

“I’m still not happy with the government’s explanation as to why it doesn’t release data on which companies have received what funding, including through the Future Fund, given that taxpayers could become shareholders of everything. a portfolio of start-ups. “, he wrote.

Jones also said it was “disappointing” that Business Secretary Alok Sharma “resisted calls” to set conditions on how public funds could be used.

He particularly pointed out that privately owned businesses could use taxpayer money to pay down debt used to buy them while owners sit “on mountains of money”.

“If private equity firms receive this public money, there should be some conditionality around their commitment to protect jobs and help UK businesses weather this pandemic.”

Before the Open newsletter: start your day with the City View podcast and key market data

Over the past month, emergency programs have come under increasing scrutiny over fears that the government will guarantee loans that will never be repaid.

Earlier this month, the National Audit Office (NAO) reported that taxpayers could lose up to £ 26bn on their own from BBLs.

He said up to 60% of loans made so far under the Bounce Back for Small Business program were at risk of fraud, organized crime or default. .

Prior to that, the former managing director of the British Business Bank (BBB) ​​wrote to Sharma expressing concerns about the same risks.

Launched in May, BBLs are 100% government guaranteed loans of up to £ 50,000 introduced to help small businesses alleviate disruption caused by Covid-19.

As of October 18, rebound loans totaling just over £ 40 billion had been approved for 1.3 million small businesses, according to the latest figures from the Treasury.

But although the lending program has been extended until the end of November due to continued disruption caused by the pandemic, all but one of the 28 banks accredited to lend under the program have now closed applications for new customers. .

Yorkshire Bank and Clydesdale today slammed the door on new applicants, leaving challenger bank Starling the only place to go for many struggling business owners.

Earlier this month City AM reported that small business owners were excluded from the program even though they were eligible for funding.


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Accion Opportunity Fund partners with Silicon Valley Black Chamber of Commerce and African American Chamber of Commerce in San Francisco to provide PPP loans to black-owned small businesses in the Bay Area https://liverpool-il.com/accion-opportunity-fund-partners-with-silicon-valley-black-chamber-of-commerce-and-african-american-chamber-of-commerce-in-san-francisco-to-provide-ppp-loans-to-black-owned-small-businesses-in-the-bay/ Fri, 19 Mar 2021 08:44:39 +0000 https://liverpool-il.com/accion-opportunity-fund-partners-with-silicon-valley-black-chamber-of-commerce-and-african-american-chamber-of-commerce-in-san-francisco-to-provide-ppp-loans-to-black-owned-small-businesses-in-the-bay/ As second round of federal small business support rolls out, California’s leading nonprofit lender expands partnership with local chambers SAN JOSE, California, January 28, 2021 / PRNewswire / – Accion Opportunity Fund, the country’s leading nonprofit community development finance institution (CDFI) for small businesses, is working quickly with its partners in the Silicon Valley Black […]]]>

As second round of federal small business support rolls out, California’s leading nonprofit lender expands partnership with local chambers

SAN JOSE, California, January 28, 2021 / PRNewswire / – Accion Opportunity Fund, the country’s leading nonprofit community development finance institution (CDFI) for small businesses, is working quickly with its partners in the Silicon Valley Black Chamber of Commerce and the African Chamber of Commerce -American San Francisco to support Bay Area Black-owned businesses offering advice, grants, and financial support, including Paycheck Protection Program (P3) loans available now from the federal government. This comes as the nonprofit lender strives to fulfill its $ 1 billion commitment invest in marginalized businesses nationwide by 2023.1

(PRNewsfoto / Accion Opportunity Fund)

By partnering with local Black Chambers, we can create a more inclusive financial landscape – with PPP loans and beyond.

During the first round of PPP loans, Accion Opportunity Fund created $ 1.5 million in loans to 115 small black-owned businesses, partnering with chambers to provide expert advice and guidance on the PPP loan application process to their members.

“Black Americans are dying from COVID-19 in twice the rate of closure of businesses owned by white Americans and blacks upper rate during this pandemic. We will not accept this, “said Luz Urrutia, CEO of Accion Opportunity Fund. “By partnering with local darkrooms and African-Americans, we can create a more inclusive financial landscape. We want to make sure black entrepreneurs get through this pandemic, while also working to eradicate prejudice and mainstream greater equity and inclusion for entrepreneurs of color.

Stigma and inequality have persisted in our financial system for far too long. Before the pandemic, black-owned businesses were five times more likely to be denied a bank loan than white-owned businesses. It is not surprising that during the first cycle of PPP loans, white-owned businesses has received more federal aid.

In the first round of PPP loans, Accion Opportunity Fund quickly became an SBA Approved Lender and worked quickly to create $ 15 million in loans to over 1,000 small businesses, many of which are micro and sole proprietorship. The average amount of its PPP loans was $ 15,000, one fifth the size of the a Vmedium size PPP to lend in the second half of the first cycle of PPP loans. In June and July, Accion Opportunity Fund partnered with Chambers in Silicon Valley and San Francisco to deliver three weekly webinars guiding members through the PPP process, gaining trust and helping chamber members complete requests. . Its approval percentage for PPP loans submitted to the Small Business Administration is significantly higher than the national average, and 12% of small business PPP loans funded by the nonprofit lender have gone to black-owned businesses.

“Our members look to us for expert advice, resources and a network of connections. Accion Opportunity Fund is a trusted partner that has proven invaluable to black entrepreneurs in Silicon Valley during this crisis,” said Carl Davis Jr., president of the Silicon Valley Black Chamber of Commerce.

“Trust is at the heart of this partnership. And from that trust comes collaboration and a team spirit to get the job done – no small feat during a global pandemic that disproportionately injures and kills the black community. and our black-owned businesses, ”said Dr. Matthew Ajiake, president of the African American Chamber of Commerce in San Francisco.

Provide working capital loans of $ 2,600 To $ 100,000 underserved businesses – including flexible underwriting criteria, documentation requirements less onerous than other lenders, multilingual customer service representatives available to answer questions 7 days a week, 12 hours a day – in a timely manner and client-centricity is the primary focus of Accion Opportunity Fund. Local chambers of commerce and community partners are essential to this effort.

Ethnic Chambers and other organizations serving minority small businesses interested in partnering with Accion Opportunity Fund to provide affordable loans to their members and clients can contact: Adriana eiriz, Vice President of Sales and Partnerships, aeiriz@opportunityfund.org.

About the Accion Opportunities Fund
In March 2020, Opportunity Fund and Accion, The US Network, joined forces to establish Accion Opportunities Fund, the first organization focused on a national microcredit strategy to meet the credit needs of small businesses – developing new products, establishing new partnerships, promoting research and financial education, and leveraging digital technologies to support lending focused on the mission.

About Opportunity Fund
Opportunity Fund, the country’s leading nonprofit small business lender, believes small loans help hard-working entrepreneurs make lasting changes in their own lives and build stronger communities by growing businesses and creating jobs. Opportunity Fund’s donor and investor community creates an inclusive financial system that empowers women, immigrants and minority-owned small business owners. Our strategy combines microloans for small business owners with new market tax credit investments in high impact community infrastructure projects. Since 1994, Opportunity Fund has deployed more than $ 900 million and helped thousands of entrepreneurs invest in the future of their families. The organization has pledged to lend an additional amount $ 1.2 billion to small business owners across the country and by investing $ 174 million in community real estate projects by 2023.

The Opportunity Fund has received the highest 4-star rating by Charity Navigator for trust and transparency. www.opportunityfund.organization

1All loans issued by Opportunity Fund Community Development, CA Finance Lender License # 6050609.

Cision

Cision

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SOURCE Accion Opportunity Fund


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If the NHL crowns a Stanley Cup champion, there is no need for an asterisk https://liverpool-il.com/if-the-nhl-crowns-a-stanley-cup-champion-there-is-no-need-for-an-asterisk/ Fri, 19 Mar 2021 08:44:39 +0000 https://liverpool-il.com/if-the-nhl-crowns-a-stanley-cup-champion-there-is-no-need-for-an-asterisk/ LOS ANGELES, CA – JUNE 04: NHL Commissioner Gary Bettman speaks to the media ahead of Game 1 of … [+] the 2014 NHL Stanley Cup Final between the New York Rangers and the Los Angeles Kings at Staples Center on June 4, 2014 in Los Angeles, California., (Photo by Victor Decolongon / Getty Images) […]]]>

There is no asterisk on the New Jersey Devils’ 1994-95 Stanley Cup title. There shouldn’t be either.

When the Devils won their first championship in franchise history, it happened under unique circumstances. After a year of playing without a collective agreement, the dissenting opinions of the NHL and NHLPA resulted in a lockout. When a deal was finally struck, the 1994-95 season was reduced to 48 games, the shortest NHL season in 53 years.

Five months after the start of the abridged season, the Devils won the Lord Stanley Cup. But does a diminished season make it less interesting to win home hockey’s highest honor?

“Forty-eight games haven’t diminished it for me. My name is still on the Stanley Cup, ”former Devils defenseman Shawn Chambers said in 2015, according to NJ Advance Media. “They can say whatever they want. I never thought of it once. Someone said something once, and I said, ‘This is the season they gave me.’ Nothing was different from playing 48 games. Every point counted.

It’s a good question, though, and one we may need to ask ourselves this year. If the NHL chooses to save its season and crown a champion, should the accolade be considered less or tainted in any way?

The answer is no.

That the NHL will try to play what’s left of the 2019-20 season or ice on the puck and focus on the next one remains uncertain. That decision is up to the appropriate healthcare professionals when the time comes. “In these times, hockey is secondary,” as Boston Bruins captain Zdeno Chara told NHL.com in March.

However, everyone is in the same situation. There is no clear advantage provided by the league hiatus. Maybe a few teams get a boost in extra time for injured players to recover (for example, the Tampa Bay Lightning and Steven Stamkos), but the whole league will have to deal with the fallout from the game’s extended layoff. Getting back into shape in hockey, if the circumstances demand it, is an obstacle that any NHL player will have to overcome.

“It’s one of the things about going through a Stanley Cup playoff, understanding that there will be challenges,” Devils legend Scott Niedermayer said in 2015, according to NJ Advance Media. “Maybe it was just one of them, a shortened year.”

The challenges may vary, but history tends to look sympathetically at championships won in unique situations. The 1994-95 Devils and the 2012-13 Chicago Blackhawks both won titles in a 48-game season cut short by lockout. Their Stanley Cup entries are no different from others.

The 1918 influenza epidemic cancellation of the 1919 Stanley Cup Finals. In tribute to a season without an official champion, the NHL inscribed the names of both teams – the Seattle Metropolitans and the Montreal Canadiens – on the Cup.

Outside of hockey, the 2017 Houston Astros and 2018 Boston Red Sox have been officially penalized by the MLB for cheating. Neither had to return their World Series trophy or received an asterisk in the record books. The championships are absolute.

Things are going to be different. This is the price to pay for operating in a world struggling with a pandemic. But that’s no reason to say that this version is less interesting.

“At the end of the day, I think they’re just trying to find the best possible solution,” Flyers forward Sean Couturier said last month, according to NHL.com. “It’s a unique situation and it’s going to be different no matter what. I think they are just looking at all the options and trying to make the best decision possible for the league.

If the NHL decides that a 24-team playoffs is a fair and balanced way to appoint a champion, so be it. Traditions are artificial and flexible. The New York Rangers won their first Stanley Cup in 1927-28 in a 10-team league, with a very different playoff structure. Think how much league parity has increased over the past century. It’s safe to say that the road to the Stanley Cup is much more grueling now (under the standard structure) than ever in history.

Leagues have to adapt to offer the most competitive product. MLB introduced an in-game game in 2012 to inject excitement into the Wild Card race. This year the NFL extended its playoffs to allow three wildcard locations per conference. If the Stanley Cup playoffs are played this year, it’s no different. The NHL is reorienting its playoffs based on the current crisis.

“I think guys still believe in ending the year, finishing the playoffs,” Couturier noted. “I don’t know how it’s going to turn out, but I think everyone is pretty optimistic about the Stanley Cup being awarded this year. “

And if they do, no asterisk is needed.


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