Capital – Liverpool IL http://liverpool-il.com/ Sun, 19 Sep 2021 13:42:11 +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.

You can subscribe to the Lend Academy Podcast via iTunes or Stitcher. To listen to this podcast episode there is an audio player directly below or you can download the MP3 file here.

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Kanye West’s company received $ 5 million PPP loan from US government https://liverpool-il.com/kanye-wests-company-received-5-million-ppp-loan-from-us-government/ https://liverpool-il.com/kanye-wests-company-received-5-million-ppp-loan-from-us-government/#respond Fri, 19 Mar 2021 08:44:23 +0000 https://liverpool-il.com/kanye-wests-company-received-5-million-ppp-loan-from-us-government/ Photo credit: Kanye West Twitter Billionaire rapper Kanye West received a multi-million dollar PPP loan from the Trump administration, files now reveal. Documents released by the Small Business Administration of the US Treasury revealed loans to billionaire rapper, artist and brand mogul. The money received is part of the Paycheck Protection Program (PPP) – part […]]]>

Photo credit: Kanye West Twitter

Billionaire rapper Kanye West received a multi-million dollar PPP loan from the Trump administration, files now reveal.

Documents released by the Small Business Administration of the US Treasury revealed loans to billionaire rapper, artist and brand mogul. The money received is part of the Paycheck Protection Program (PPP) – part of the $ 2,000 billion CARES Act for economic relief during the pandemic.

Yeezy LLC is listed in the Treasury Journal for Recipients of Loans between $ 2 Million and $ 5 Million. The company says 160 jobs have been saved thanks to the loan. Yeezy LLC is a Delaware-based holding company managed from an office in La Palma, California.

Adidas, exclusive partner of Yeezy sneakers, reportedly made Kanye West a billionaire last year. Forbes formalized this status in April and, more recently, Kanye said on highest paid musician in the world.

California Business Records establish Kanye West as Director of Yeezy LLC.

The loan, coupled with Kanye West’s particular announcement that he is running for president in 2020, is odd. West visited the White House shortly after the 2016 presidential election and praised Donald Trump. But if the recent tweets are more than boastful, the rapper is ready to fight with his old friend for the next presidency.

Meanwhile, West continues to lead an extremely lavish lifestyle, most recently purchasing a massive Wyoming Ranch. Despite the announcement that it is presidential candidate, Kanye West took no formal steps to introduce himself.

The list of things to do is extremely long. So far, Kanye has not registered with the Federal Election Commission and collected enough signatures to appear on the November 2020 ballot. The “announcement” now looks like a simple ploy to return to the news cycle.

PPP loans are available for businesses with fewer than 500 employees. Over 40,000 businesses across the United States have received PPP assistance. Most of the PPP aid was at least $ 150,000 or more, but the program was plagued by problems.

Banks have given priority to their biggest customers, leaving small businesses to wither. Trump-friendly business owners – like Kanye West – may also have been placed on the front lines.

Some seemingly ineligible companies have also mysteriously received PPP forgivable loans. Digital Music News reported in May, LiveXLive received a $ 2 million PPP loan. The company has a market cap of around $ 200 million, which makes it anything but a small business.

The US government will cancel all PPP loans if they are used to retain employees and pay for essential costs. But even if not all funds are used for this purpose, the remaining part is only subject to an interest rate of 1%.

Just weeks after LiveXLive’s $ 2 million PPP loan, the company spent $ 18 million to purchase PodcastOne. The deal was all-equity, although the cash portion required to close the deal was at least $ 1.4 million. Several large companies returned the PPP loans they requested (and received) after the public outcry – but LiveXLive did not.


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Lenders offer new options to first-time homebuyers and credit-distressed buyers https://liverpool-il.com/lenders-offer-new-options-to-first-time-homebuyers-and-credit-distressed-buyers/ https://liverpool-il.com/lenders-offer-new-options-to-first-time-homebuyers-and-credit-distressed-buyers/#respond Fri, 19 Mar 2021 08:44:23 +0000 https://liverpool-il.com/lenders-offer-new-options-to-first-time-homebuyers-and-credit-distressed-buyers/ Credit Ratings and Mortgages: If your score is less than 620 to 640: An FHA (Federal Housing Administration) home loan is your best option as most lenders will not approve a conventional loan for borrowers with a credit score below 640. Plus, your interest rate would be much higher on a conventional loan even if […]]]>

Credit Ratings and Mortgages:

If your score is less than 620 to 640: An FHA (Federal Housing Administration) home loan is your best option as most lenders will not approve a conventional loan for borrowers with a credit score below 640. Plus, your interest rate would be much higher on a conventional loan even if you are approved.

If your score is between 640 and 740: You need to compare your options for FHA and conventional loans because while you can probably qualify for both, your interest rate will be higher for a conventional loan. However, your mortgage insurance is likely to be higher with an FHA loan.

If your score is over 740: Your best bet is probably a conventional loan because your credit score qualifies you for the lowest interest rates. Conventional loans are available now with a down payment of just 3%.

“If all of your down payment is a gift, then an FHA loan is your best bet. Because for a conventional loan, you have to have your own money for at least part of the down payment, ”explains Hollensteiner.

AV loans: Veterans Affairs Canada loans do not have a down payment or mortgage insurance requirement, but are limited to eligible members of the military, veterans, spouses, and certain defense-related employees.

USDA Loans: Loans from the Ministry of Agriculture are limited by income and property location, primarily in rural areas, and have no down payment requirement, but do require mortgage insurance.

Individual lenders, banks and credit unions also offer mortgage products under guidelines set by their own officers, government or investors.

Portfolio loans: Unlike most other conventional loans, this mortgage product is held on the books of lenders rather than sold to investors. A lender can set their own criteria for loan approval.

[Study shows consumers spend too little time mortgage shopping]

TD Bank’s “Right Step” loan product, designed for first-time buyers but also available to borrowers who have previously owned a home, requires a 3% down payment. Unlike other conventional loan products with low down payments, this mortgage does not require a PMI. Hollensteiner says the interest rate on these fixed rate loans is usually slightly lower than average mortgage rates. The Right Step Loans are held in the TD Bank portfolio and are not sold to investors.

“There are two ways to be eligible for these loans: either through income eligibility, which means your income must be equal to or less than 80% of the median income for the area ($ 82,984 for a household of four in the DC area in 2015), or you buy a house in a census tract identified as low to moderate income, ”says Hollensteiner.

In addition, the Right Step program has the following requirements:

• A credit score of 660 or higher.

• An overall debt-to-income ratio of 38%, which means that the minimum amount you pay each month on your mortgage and other debts cannot exceed 38% of your monthly gross income.

• Down payment must come from the borrower, not a grant.

• Closing costs may be paid by sellers.

Borrowers who are eligible for a loan but are short of cash may be particularly interested in home ownership programs. One place to search for downpayment assistance programs by location is downpaymentresource.com.

Home ownership programs

Many DC area residents believe they are making too much money to qualify for a Homebuyer Assistance Program. But Rodriguez says these programs are generally available to buyers who account for up to 120% of the region’s median income ($ 131,040 for a four-person household in the DC area in 2015).

“People themselves withdraw from financial aid because they think a ‘social service’ agency isn’t for someone like them,” Rodriguez says. “The reality is that everyone can benefit from homebuyer education even if they are not eligible for financial assistance. “

Rodriguez says it’s best for consumers to take an education course for home buyers when they think they want to buy a home.

“If you wait until you’ve applied for a loan and selected a home to take a course, you’ve already made two of the most important decisions associated with owning a home,” says Rodriguez. “People think of these courses as a social service, but highly educated, high-income people don’t always understand the nuances of loan programs. Buying a home is complex and well worth educating.

[The D.C.-area housing market, decoded: A 2014 statistical breakdown by Zip code]

NeighborWorks partners in the DC area are Manna Inc. in the district and AHC Inc. in Arlington. Maryland residents can find training courses for home buyers and information on down payment assistance programs through the state government’s Maryland Mortgage Program. Residents of Virginia can take homebuyer training courses and find out if they are eligible for down payment assistance through the Virginia Housing Development Authority (VHDA).

“Most down payment assistance programs are limited to first-time home buyers, but it is important to understand that we are basing ourselves on the federal government’s definition of a first-time buyer. someone who hasn’t owned a home in the past three years, ”says Michele Watson, director of homeownership programs for the Virginia Housing Development Authority in Richmond. “This is great for active duty military personnel, in particular, who have transferred from one position to another and owned a house in the past but wish to buy in this area now.”


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Donald Trump, retrospective: looking back on the 1,462 worst days in presidential history https://liverpool-il.com/donald-trump-retrospective-looking-back-on-the-1462-worst-days-in-presidential-history/ https://liverpool-il.com/donald-trump-retrospective-looking-back-on-the-1462-worst-days-in-presidential-history/#respond Fri, 19 Mar 2021 08:44:22 +0000 https://liverpool-il.com/donald-trump-retrospective-looking-back-on-the-1462-worst-days-in-presidential-history/ By Wednesday, January 20, 2021 afternoon, Donald trump will be 992 miles from the White House, installed in its resort town of Palm Beach where its neighbors hate his guts. Joe biden will have been sworn in and Americans will no longer have to worry about the possibility that the President of the United States […]]]>

By Wednesday, January 20, 2021 afternoon, Donald trump will be 992 miles from the White House, installed in its resort town of Palm Beach where its neighbors hate his guts. Joe biden will have been sworn in and Americans will no longer have to worry about the possibility that the President of the United States is a con artist, or trying to get them killed, or a friend of neo-Nazis, or an ugly racist, or pay porn stars, or put your silly kids in charge of national emergencies, or hire a dog breeder to lead a coronavirus task force. Oh, did you forget that last one? Or around the time the Trump administration threatened to cripple Ecuador economically for promoting breastfeeding? Or when Trump embarked on a messy rant in front of 35,000 children? Or when he hired an acting attorney general who worked for a company that marketed “male toilets”? It’s understandable that with all the impeachment, extortion, coronavirus, and sedition, you might have forgotten. But as a reminder, and so elementary school students hundreds of years from now, here’s a look back at the worst president in American history, through the headlines.

Investors panic as Trump starts doing all the crazy things he said he would do

January 31, 2017

In the period between the 2016 election and the nomination, Wall Street investors, some of whom were duly shocked and terrified by the election of Donald Trump, took comfort in the hope that the reality TV host probably wouldn’t end up doing all the racist and crazy bullshit he talked about during the election campaign, and would just stick with it. to cut taxes and run the country like a businessman. Of course, this notion turned out to be horribly out of place and extremely stupid. To prove it, Trump spent his first Monday in office affirming 3 to 5 million illegal ballots cost him the popular vote; his first Wednesday by signing a decree to begin construction of the wall (and insistent Mexico would reimburse the United States for the cost); and for his big arrival on Friday, prohibiting travel of seven Muslim-majority nations. Turns out we were meant to take it literally!

Trump’s sons insist ‘Papa Bear’ is proof of conflict of interest

February 13, 2017

Some people may have been uncomfortable with the President of the United States welcoming the Prime Minister of another country to his for-profit resort town of Palm Beach, as Trump did on second weekend of February 2017, but the president’s grown-up sons were not among them. TO The New York Times, Eric Trump dismissed the question of whether Trump accused Japan of Shinzo abe stay in Mar-a-Lago when the White House would have been free as meaningless, while a Don Jr., practically screaming, flew off when asked if his father was using the presidency to line the pockets of the Trump family. “Who, in their right mind, would try to get rich by spending a fortune to run against 17 seasoned politicians on the Republican side, and then take on the Clinton machine, Wall Street, Hollywood, PC culture?” Don Jr. asked. “Using this as a way to get rich is laughable. It would be several years before we learned about Mar-a-Lago accused taxpayers for the glasses of water Trump drank while at the club.

Trump was on the verge of killing NAFTA until adviser showed him a map

April 28, 2017

He ended up killing NAFTA anyway, but he briefly maintained it after his secretary of agriculture “brought an accessory to the Oval Office” displaying the areas of the country that would be hardest hit by the movement and pointing out that many of them had voted for him in November. “It shows that I have a very large farmer base, which is good,” Trump said. Washington To post. “They love Trump, but I love them and I will help them. “(He would finish f – king them other ways.)

Trump thinks he made up a phrase that has been used since 1932

May 11, 2017

It is to this day in history that we learned that the 45th President claimed to have coined the phrase “prime the pump”.

Trump drops mic at NATO meeting on wrecked train, calling Germans “very bad”

May 25, 2017

On his first major trip abroad and his first NATO meeting, Trump shamelessly pushed the Prime Minister of Montenegro away so he could be in the foreground for a group photo; accused other alliance members of not paying their bills; and proclaimed “The Germans are wicked, very wicked”. It is truly a wonder that when he lost his candidacy for re-election, other countries celebrated “as if we had defeated the mothership on independence day. “

Trump explains to Iowan residents why he prefers the rich

June 22, 2017

At a campaign-style rally in Cedar Falls, Iowa to discuss agriculture and farmer skills training, Trump decided to speak candidly about his decision to fill his cabinet exclusively with wealthy thief barons. in caricatures. “Someone said, ‘Why did you appoint a rich person to be in charge of the economy?’ He told the crowd. And he explained, “Because that’s the kind of thinking we want. I like everyone. Rich or poor. But in these particular positions, I just don’t want a poor person. Does that make sense? ‘”

His presidency in crisis, Trump pauses to play firefighter

July 17, 2017

Things weren’t going so well for Trump on that day in July 2017 – questions surrounding his campaign’s attempt to team up with the Russian government in the 2016 election had come to a head – but there was a bright spot in it. his world: the White House “Made in America Week”, which gave the leader of the free world the opportunity to pose as a cowboy, a baseball player and a firefighter.

https://twitter.com/BuzzFeedNews/status/887094229717012482

This experience only came after he was able to sit in a big platform and pretend to be a truck driver.

https://twitter.com/ABC/status/845242368882327553

Trump embarks on wild rant in front of thousands of children

July 25, 2017

In late July 2017, Trump treated tens of thousands of Boy Scouts with a 35-minute campaign rally-style screed that touched everything from the murder of Obamacare to thinking about sacking a member of his cabinet. He also took the stock market up and took a long break about all the really hot parties he was invited to in the 1980s. He later claimed that the Boy Scout leader called him to say “it was the greatest speech ever given”, a call which, according to a spokesperson for the group, never took place.

Trump manages to say another squeaky thing about Charlottesville

September 14, 2017

Maybe you thought it couldn’t be worse than refusing to condemn neo-Nazis and claiming that there were “great people on both sides” – so Trump made up a story about “a lot of people “saying” Damn, Trump could’ve scored a point.

Trump tells Puerto Ricans their hurricane was not “a real disaster like Katrina”

October 3, 2017

After being silent for days on the humanitarian disaster caused by Hurricane Maria, to attack the mayor of San Juan via Twitter, the president traveled to Puerto Rico. There he complained that the territory, which had been without electricity and water for days, was costing him a lot of money. Later he said Maria was not a ‘real disaster like Katrina’ then threw paper napkins around the crowd as if it was Friday night at Madison Square Garden and he was pulling T-shirts in the stands with an air cannon. In the following September, he claims the death toll of 3,000 was a Democratic hoax to make it look bad.



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Americans take out ridiculously long auto loans https://liverpool-il.com/americans-take-out-ridiculously-long-auto-loans/ https://liverpool-il.com/americans-take-out-ridiculously-long-auto-loans/#respond Fri, 19 Mar 2021 08:44:22 +0000 https://liverpool-il.com/americans-take-out-ridiculously-long-auto-loans/ A the Wall Street newspaper report says that a third of all new vehicle loans in the United States are for more than six years and concludes that “America’s middle class cannot afford its cars.” The newspaper also reported that only 18 percent of US households can afford to pay cash for a new car. […]]]>
  • A the Wall Street newspaper report says that a third of all new vehicle loans in the United States are for more than six years and concludes that “America’s middle class cannot afford its cars.”
  • The newspaper also reported that only 18 percent of US households can afford to pay cash for a new car.
  • Seven million people are at least 90 days late on their payments, so is it the fault of lenders or people living beyond their means, or both?

    Anybody Needs to be the first behind in the seat of one of the 17 million new vehicles purchased each year in the United States. But we want. There’s a problem with this: New car loans are the longest and most expensive they’ve ever been, and too many people renew their existing loans into new ones when they swap. Left unchecked, it could be another economic disaster about to explode.

    According to Experian, the average loan for a new car was $ 32,119 in the second quarter of this year (which, at 16% more than in the third quarter of 2014, is normal at standard annual inflation rates of 3%). For a used car, it was $ 20,156, only 9% more. While unpaid bills have remained stable even though some seven million people are 90 days or more late on payments, the brewing problem is with loans that last six years or more.

    The Consumer Financial Protection Bureau estimated that 42% of all auto loans made in 2017 were 72 months or older. Today, the average loan term for new cars is 69 months, and loans of 85 months or more accounted for 1.5% of all new car loans, according to the the Wall Street newspaper. With average interest rates of 6% for new cars and 10% for used cars – a sharp rise in the years following the 2009 recession, when credit started pouring in as a result of the recession. billion in government bailouts to automakers and banks – it’s highly likely that car owners, like students, won’t repay their loans. A third of car owners renew their debt with new loans, up from about a quarter before the recession, according to the WSJ story.

    Jacobs Stock Photography LtdGetty Images

    Extremely long loan terms surfaced in 2014, when new auto loans between 73 and 84 months jumped 24% from the previous year. Before that, no one would have thought that auto loans went this far. But dealerships, automakers, and banks have done flourishing business with this country’s outstanding $ 1.2 billion auto debt – and others are likely to lock you into a long-term loan that could insure. perpetuity of debt.

    The solution for the consumer is simple. Don’t look at the monthly payments (now averaging $ 550 and $ 392 for new and used loans, respectively). Look at the total payment, including interest, for the entire loan, along with all applicable taxes and fees, and ask yourself if you’d be better off spending less on a car and saving or investing. the difference. Take a tour of your loan, and be aware that dealers can legally add a few percentage points to inflate the quote without telling you what they will pocket.

    And if you think you need a brand new car but can’t afford it, you probably don’t. The glut of newer used vehicles on the market means that bargains are prevalent in almost all vehicle segments. Most vehicles in the 6 to 12 year old range – what Experian calls the sweet spot – are reliable enough without a warranty and much cheaper to own than a new car. No matter how great new cars are, they are never worth losing your sleep or your financial security.

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Social media audience continues to grow despite pandemic https://liverpool-il.com/social-media-audience-continues-to-grow-despite-pandemic/ https://liverpool-il.com/social-media-audience-continues-to-grow-despite-pandemic/#respond Fri, 19 Mar 2021 08:44:21 +0000 https://liverpool-il.com/social-media-audience-continues-to-grow-despite-pandemic/ Social media was the one exception where audiences increased dramatically. getty It was a “cruel summer” (one of the Taylor Swift Where Bananarama variety) for almost all forms of media consumption. Sporting events were canceled until recently, and while there is some hope that the playoffs for major professional sports will continue, an epidemic could […]]]>

It was a “cruel summer” (one of the Taylor Swift Where Bananarama variety) for almost all forms of media consumption. Sporting events were canceled until recently, and while there is some hope that the playoffs for major professional sports will continue, an epidemic could send players back to the bench; cinemas have been largely closed and major TV shows have not resumed production.

Therefore box office numbers are down and television viewing ratings have also been considerably lower, boosted only by recent political conventions.

Social media was the one exception where audiences increased dramatically.

“The number of YouTube subscribers increased by more than 20% during the lockdown and views increased by more than 15%,” explained Jennifer Quigley-Jones, founder of London-based YouTube influencer agency Digital Voices.

“Surprisingly, the pandemic has given many creators, like me, the opportunity to really focus on their craft and not be distracted by other aspects of the industry,” said Valeria Lipovetsky, who has been a popular influencer on social media platforms.

“I’ve seen such an amazing direction being taken by influencers who use this time to connect with their audience on a deeper level,” Lipovetsky added. “Those who have turned to creating relevant, time-sensitive content while delivering value to their audiences have flourished and luckily we are one of those creators.” ??

The new YouTubers

As the cooler weather approaches, perhaps now is the time for those with something to say to take to social media and expand their audience.

“I rank in Google for a number of keywords related to YouTube, including keywords that people search for when they are just starting out – like ‘how to name your YouTube channel’,” added Brian Dean, Founder of Backlinko and the popular YouTube channel Backlinko.

“I have seen with my own eyes that the pandemic has led to 50% and more of these types of research,” Dean noted. “Which is a sign that more and more people are launching a YouTube channel for the first time.”

The longer the pandemic lasts, the longer it will hold true.

Under lockdown, searches on YouTube for “how to edit videos” more than doubled as people with more free time turned to developing new skills, ”Quigley-Jones said. “We’re going to see a lot more viewer requests after the lockdown and far more aspiring content creators developing their skills and their online presence.”

This also applies to the consumer side, Dean suggested.

“People today want an escape, a distraction,” he noted. “And scripted TV doesn’t do the trick. But there are plenty of channels on YouTube that are great for standing out and forgetting the outside world. Above all, the YouTube platform makes it easy and quick to find this type of content thanks to to its hyper-personalized recommendation engine. “

One of the notable things about social media platforms, including YouTube and Instagram, is that audience can be what mainstream media might consider extremely niche, but they can still resonate and grow an audience quickly.

“Categories like People & Blogs and Gaming continue to see a huge increase in viewership even as we come out of lockdown,” Quigley-Jones said. “These viewing habits are not going to change, which means huge potential for more creators.

Make it big

Of course, not everyone can be the next YouTube or Instagram star, but many, like Lipovetsky, have used social media as a platform to spread a message and make it a career in the process.

“Back when I was starting out on YouTube I didn’t realize the potential it had, for me it was a personal journey to break with my own limits,” Lipovetsky explained. “I always knew I wanted to share information with a wider audience, but back then I wasn’t so immersed in social media to see how far I could grow my brand.”

However, the content can’t be more the same, and being relevant while standing out is crucial. Right now, more of the same is not going to work. Creators need to think about what works today and how to change it for tomorrow.

“Because we work in such a dynamic industry, today’s strategy won’t always be tomorrow’s strategy, so I think the most important thing for us is to continue to keep our ears and eyes open to our audience and not get too comfortable, ”Lipovetsky added.

“We are always looking for new ways to engage audiences by looking at our metrics but also leaving space to come up with new content that can revitalize our brand,” she added. “Our strategy is to be in tune with our audience and to keep our brand DNA while evolving with the industry.”



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Dollar General (DG) Q4 earnings lack estimates, Y / Y increase https://liverpool-il.com/dollar-general-dg-q4-earnings-lack-estimates-y-y-increase/ https://liverpool-il.com/dollar-general-dg-q4-earnings-lack-estimates-y-y-increase/#respond Fri, 19 Mar 2021 08:44:20 +0000 https://liverpool-il.com/dollar-general-dg-q4-earnings-lack-estimates-y-y-increase/ Societe Generale Dollar DG presented the results for the fourth quarter of fiscal 2020, in which the upper and lower results improved compared to the period of the previous year. The discount retailer also posted strong same-store sales performance. While net sales exceeded Zacks’ consensus estimate, profits were weaker than expected. Notably, the Goodlettsville, Tennessee-based […]]]>

Societe Generale Dollar DG presented the results for the fourth quarter of fiscal 2020, in which the upper and lower results improved compared to the period of the previous year. The discount retailer also posted strong same-store sales performance. While net sales exceeded Zacks’ consensus estimate, profits were weaker than expected.

Notably, the Goodlettsville, Tennessee-based company released a forecast for fiscal 2021 and reported lower same-store sales. The company also guided its earnings below analyst expectations. To be sure, the company has benefited from the surge in demand due to coronaviruses in fiscal 2020. However, analysts expect pandemic-induced demand to moderate as the vaccination campaign slows down. speeds up and consumers return to the old normal.

Management advised that from February 27 to March 16, 2021, same store sales decreased by approximately 16%.

We note that Dollar General shares fell during pre-market hours on March 18th. This Zacks Rank # 3 (Hold) stock has fallen 11% in the past three months compared to industrydown 2.1%.

Let’s dig deeper

Quarterly earnings rose to $ 2.62 per share, which missed the Zacks consensus estimate of $ 2.71, but rose 24.8% from the $ 2.10 reported in the year former. The increase in net income year over year can be attributed to higher net sales and margins.

Net sales of $ 8,414.5 million were up 17.6% year-over-year and topped Zacks’ consensus estimate of $ 8,276 million for the 11th consecutive quarter. The contribution of new outlets and same-store sales growth had a favorable impact on sales, partially offset by the impact of store closures.

Dollar General same-store sales increased 12.7% year-over-year, primarily due to an increase in average transaction size, partially offset by lower customer traffic. In particular, the categories of consumables, seasonal, home and clothing products had a favorable impact on the metric. Among these categories, home products recorded the largest increase. The pandemic-induced consumer behavior has significantly benefited both net sales and same-store sales.

Management also updated that from January 30 to February 26, 2021, same-store sales increased by approximately 5.7%.

Sales in the Consumables category increased 15.5% to $ 6,321.6 million, while sales in the Seasonal category increased 19.7% to $ 1,097.5 million. Sales of home products climbed 32.2% to $ 608.5 million, while clothing category sales rose 25.3% to $ 386.9 million.

Dollar General Corporation Price, Consensus and BPA Surprise

Dollar General Corporation price-consensus-eps-surprise-chart | Dollar General Corporation quote

Gross profit jumped 20.4% to $ 2,736.7 million in the quarter under review. Notably, gross margin increased by 77 basis points (bps) to 32.5% due to lower markdowns and reduced inventory reduction, coupled with higher initial markups on inventory purchases and to a significant proportion of sales of non-consumable product categories. These were partly offset by higher distribution and transport costs.

Meanwhile, selling, general and administrative expenses, as a net revenue rate, deleveraged 48 basis points to 22.2% in the quarter, thanks to additional spending related to the COVID pandemic -19. In addition, operating profit jumped 21% to $ 872.2 million, while operating margin rose to 10.4% from 10.1% a year earlier.

Store update

During fiscal year 2020, the company opened 1,000 new points of sale, renovated 1,670 stores and relocated 110 stores. For fiscal year 2021, management plans to complete 2,900 real estate projects. This includes 1,050 new store openings, 1,750 renovations and 100 relocations.

Other financial details

Dollar General ended the quarter with cash and cash equivalents of $ 1,376.6 million, long-term obligations of $ 4,131 million and equity of $ 6,661.2 million. As of January 29, 2021, total merchandise inventories, at cost, were $ 5,247.5 million, up 6.3% per store from the same period last year.

Management has committed capital expenditures of $ 1 billion in fiscal 2020. For fiscal 2021, it anticipates capital expenditures in the range of $ 1.05 billion to $ 1.15 billion.

In fiscal 2020, Dollar General repurchased shares for $ 2.5 billion. The company had $ 679 million remaining under authorization at the end of fiscal 2020. The company’s board of directors notably increased the authorization under the share buyback program by $ 2 billion on the 17th. March 2021. The company expects to make share repurchases of approximately $ 1.8 billion. during fiscal 2021. Additionally, the company increased its quarterly dividend by 16.7% to 42 cents per share.

Outlook

Management warned that significant uncertainty remains related to the severity and duration of the current pandemic, and its impact on the economy, consumer behavior and business. Therefore, it is difficult to predict precise results. In addition, the company said, “In addition, these results could be affected by several variables including, but not limited to, economic stimulus payments, economic recovery, employment levels, vaccine status. COVID-19 and the Continuing Impact of the Covid19 Pandemic. “

Dollar General expects fiscal 2021 net sales to be stable at a decline of 2% and same-store sales to decline in the range of 4-6%. The company expects profits between $ 8.80 and $ 9.50 per share. Zacks’ consensus estimate for fiscal 2021 is currently set at $ 10.03.

Here are 3 key actions for you

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Tapestry TPR has a surprise profit over the last four quarters of 39.5%, on average. He wears a Zacks Rank # 2.

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To read this article on Zacks.com, click here.

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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Small business loan approval rates vary widely by industry https://liverpool-il.com/small-business-loan-approval-rates-vary-widely-by-industry/ https://liverpool-il.com/small-business-loan-approval-rates-vary-widely-by-industry/#respond Fri, 19 Mar 2021 08:44:20 +0000 https://liverpool-il.com/small-business-loan-approval-rates-vary-widely-by-industry/ In a review of 30,000 small business loan Sorted by industry over the past year, Biz2Credit surprisingly found that restaurant and accommodation businesses had the highest loan approval rates (51%) in 2018 compared to retail, health care, and professional and personal services. According to the study, restaurant and accommodation companies, including hotels, caterers and other […]]]>

In a review of 30,000 small business loan Sorted by industry over the past year, Biz2Credit surprisingly found that restaurant and accommodation businesses had the highest loan approval rates (51%) in 2018 compared to retail, health care, and professional and personal services.

According to the study, restaurant and accommodation companies, including hotels, caterers and other food service companies, recorded an approval rate of over 50%.

Restaurants and other catering and accommodation businesses are inherently riskier than other types of businesses. However, with a strong lending atmosphere, approval rates have been surprisingly high. One of the reasons for this result is that many food companies are not eligible for traditional bank loans, but they can obtain financing through non-bank lenders, who charge higher interest rates but are prepared to provide loans. funding.

Industry Approval rate
Restaurants & Accommodation 51%
Health care and social assistance 37%
Retail business 36%
Technological Information (IT) 35%
Professional services 31%
Personal services 16%

Likewise, retail businesses have experienced high approval and funding rates on the Biz2Credit platform.

Tech companies led the way in average amount funded, followed by retail, restaurants, personal services, health care, and business and professional services.

Industry Avg. Amount financed
Technology $ 102,029
Retail $ 73,564
Catering & Accommodation $ 59,746
Personal services $ 52,989
Health care $ 49,835
Business & Professional $ 43,248

Tech companies, which have performed well in this economy, received the highest average amount of funding. Tech companies have received the highest level of funding in New Jersey, and among those companies, many focus on IT staffing, a testament to the lack of tech skills in a booming industry.

In New York, where new restaurants seem to be opening daily, and this is where the approval amounts were the highest. New York is still booming, and travel and tourism is still booming.

Funding for personal services was highest in Texas, while funding for professional services was highest in Massachusetts. In health care, California was the leader.

Industry State Average funded amount national Average funded amount
Technology New Jersey $ 251,250 national $ 102,029
Retail new York $ 121,867 national $ 73,564
Personal services Texas $ 116,154 national $ 52,989
Restaurant new York $ 106,701 national $ 59,746
Business & Professional Massachusetts $ 77,538 national $ 43,248
Health care California $ 66,010 national $ 49,835

Businesses in New York, New Jersey, Texas and California have done well, especially in IT and, surprisingly enough, in retail. These states are home to many immigrants and first generation Americans, who are generally very enterprising. These are also areas where the real estate markets are strong.

The industry with the strongest startup growth was personal services, for which the average age of businesses was just over three years (37 months), followed by retail (44 months) and restaurants and accommodation (46 months).

The credit scores of top-rated technology business owners, followed by ratings of business owners in the retail, health care, restaurant and accommodation, business services and professional and personal services.

Industry Average credit score
Technology 633
Retail 619
Health care 617
Catering & Accommodation 615
Business and professional services 615
Personal services 590

Tech companies had the highest average income and, unsurprisingly, the highest credit scores.

Restaurants have the highest income. However, these are also high cost, low margin businesses. Healthcare companies had the second highest average revenue. With the oldest baby boomer now in his mid-70s, I expect the businesses that meet their needs will continue to thrive.

Sectoral distribution of companies

Accommodation and catering : Restaurants / bars, caterers, hotels, other food shops.

Business and professional services: Accounting and tax preparation, bookkeeping, payroll services, legal services, marketing and design services, among others.

Health care: General medical services, medical offices, dental offices, visiting nurse services, residential care establishments, outpatient care centers (eg physiotherapy), mental health establishments.

THIS: Software developers, consultants, recruiting firms

Personal services: Beauty (hair and nail salons), gyms, dance studios, yoga studios, laundry and dry cleaning, landscaping, cleaning services.

Retail business: Physical stores, e-commerce businesses, clothing and fashion, florists, grocery stores, drugstores, home furnishings and vending machine operators.

For this analysis, Biz2Credit analyzed nearly 30,000 businesses with less than 250 employees and less than $ 10 million in annual revenue across the country that have been in business for over a year.


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