Real Estate 11/12/17 by Colorado Springs Gazette, LLC

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Sunday, November 12, 2017

EXPERTS CORNER:

Pros and cons of homeowner associations

COURTESY OF THE PLATINUM GROUP REALTORS

With an abundance of communities now offering amenities like swimming pools, club houses and fitness centers, it’s important to understand the realities of living under an HOA before making your purchase. These days, there are around 26 million homes across the country that are governed by them, according to the trade group Community Associations Institute (CAI).

1. MONEY

HOAs assess fees that help maintain common areas and cover community services, so it’s essential to know the size of the fee and what it covers, before deciding if you want to live in that community, and if you can afford to.

2. RULES

Understanding the HOA rules crucial because you are agreeing to abide by them when you buy a home in the community. The association regulations are intended to protect property values, and they can touch on anything from how you paint your home to where you park your car. CAI recommends investigating rules about pets, flags, outside antennas, clotheslines, satellite dishes, fences, patios and home businesses before you buy.

Some other aspects of an HOA you should take into consideration will help you determine some of the pros and cons of a such a community: • PRO: Amenities Many communities provide access to fantastic amenities such as tennis courts, swimming pools, clubhouses and other extras that you may not have nearby or may not be affordable. • PRO: Reducing your responsibilities HOA’s typically use the fees they collect toward services (like snow removal) and maintenance that you might otherwise have to accomplish yourself. • PRO: Keeping up appearances HOAs rules usually prevent property neglect and the resulting neighborhood decline, which can help maintain property values within the community. • CON: Assessments If the HOA doesn’t have cash reserves to cover an expenditure, it can possibly impose an assessment to come up with the money. And, keep in mind that according to Reuters, 70 percent of all HOAs are currently underfunded. • CON: Rentals HOAs can specify a wide-array of rental restrictions, for example limiting

the number of rentals to 15 percent of homes in the community, requiring HOA board approval of tenants, and lease terms. Additionally, before you purchase an existing home in a community with an HOA, make sure the home is in compliance and whether you would have to make changes to the home to comply. Homeowners’ associations can be a useful resource when they prevent your neighbor from painting her house neon pink, but if they expect you to perform expensive maintenance on your home or impose rules that you find too restrictive, they can quickly become exasperating. Before you purchase a property with HOA rules and fees, know exactly what you are getting into. Guidance from a reliable, experienced professional can help you navigating options and determine what work best for you. The experts at The Platinum Group, Realtors have years of experience and unlimited resources to help you evaluate your best options based on your financial situation and the local market conditions. For a no-obligation consultation, call today: 719-536-4326 or visit PlatinumHomesSales.com. ■

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These days, there are around 26 million homes across the country that are governed by HOAs, according to the trade group Community Associations Institute.

H 2 ❘ THE GAZETTE ❘ SUNDAY, NOVEMBER 12, 2017

Pikes Peak Association of Realtors establish partnership with American Cancer Society NEWSWIRE

The Pikes Peak Association of Realtors with ACS we can ensure that Realtors (PPAR) announced a newly established of the Pikes Peak region create events partnership with the American Cancer that not only raise funds, awareness, but Society (ACS). Ann Kidd, Chair of the that the funds stay local and that we are Community Relations Committee, at able to make a direct connection to the the Pikes Peak Association of Realtors donations made. In addition, Kidd said said “they wanted participation in any “the Community Relations Committee at fundraising effort to be impactful and PPAR will have a continued partnership widely felt. After years of participation throughout the year with the ACS, a in various events targeting the fight quarterly presentation to by the ACS against cancer, the PPAR Community and clients who have benefitted, and a Relations committee leadership’s reiteration with the ACS to the fact that priority was to raise funds, but more “all” cancers are represented in our importantly that those funds benefit donation.” local recipients. Kidd said, “We spoke The first event under this new with the ACS at length regarding where partnership was the Realtors and RD. Cancer (RAAC) DIVIDE against PALMER Affiliates donations would go. By collaborating

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Casino Night. Casino Night, held at the Penrose Norris Events Center, was a tremendous success. The PPAR Community Relations committee presented ACS with an $8000 donation at its committee meeting earlier this month. Kidd said, “our PPAR Community Relations committee members are still excited about the success of the Casino Night event and already hard at planning future events to benefit the fight against cancer.” PPAR was founded in 1902 and currently represents 3,500 Realtors and affiliates in the Pikes Peak region. For more information about PPAR visit www.ppar.com. 

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Smart home technology offers disabled veterans greater independence

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Jack Fanning is a disabled U.S. Air Force combat controller.

NEWSWIRE

Despite efforts to be as active and independent as possible, disabled veterans are often limited in their own homes. 2 Routine tasks can become difficult, such as answering the door when someone rings the doorbell or adjusting the FILLMORE ST. thermostat. In the U.S., four million veterans have disabilities as a result 24 of a disease or injury incurred or aggravated during active 24 CIM military service, according to the U.S. Census Bureau. Smart MA 85 RON home technology can make it easier for disabled veterans to 87 ST. secure and control their homes. PLATTE AVE. 94 Vivint Smart Home customer Jack Fanning joined the United States Air Force in 1997, and served six tours of duty AIRPORT RD. in Afghanistan and Iraq, before joining one of the most elite units in the military as an Air Force special operations combat 25 controller. During a parachuting exercise, he sustained a spinal cord injury due to an equipment malfunction. Paralyzed from the neck down, Fanning is now a C4 incomplete quadriplegic. With limited mobility, Fanning became totally reliant on his DRENNAN RD. caregivers to manage how he functioned in his own home, which he had to leave unlocked at all times so caregivers 13 1 could come and go as needed. No longer able to control his • Main level and two-story internal temperature, Fanning was often too cold or too hot, • Stucco exteriors • Front yard landscaping including fence and Security but couldn’t easily adjust the thermostat. sprinkler Fanning now uses the Vivint Smart Home app to lock his • Year round lawn maintenance including snow removal front door and adjust the thermostat with a simple tap of his • Recreation Centers included special stylus, or he just uses voice commands to his Amazon • Easy access to Peterson and Schriever AFB FONTAINE BLVD. Echo. He has created door codes for each of his caregivers, Vantage Homes’ Newest Low-Maintenance Homes Move-in Ready Homes From The Mid $200s Widefield Now available at The Farm so he doesn’t have to leave his home unsecured, giving him • Sunday from noon to 5 p.m. Monday - Saturday from Hi Lori, greater peace of mind. For Fanning, Vivint’s smart home 10 a.m. to 5 p.m. Put Your Fingerprint on Our Blueprint and picture your family PKWY RIDGE MESA •115 Driving Directions: East on Woodmen Rd., north on technology has brought a life-changing level of freedom, living within one of Southern Colorado’s newest communities. Golden Sage Rd., East on E. Woodmen I didRd.a quick mock-up ofFOR what we would like to do for our ad on the buildercontrol pageand this independence, not only within his own home, but (Frontage Road),and follow the signs to MasterBilt Homes MORE INFORMATION REGARDING Built by LOW-MAINTENANCE HOMES, weekend. I noticed that some of the ads have the image across the top instead of in the he takes his Apple iPad. Jim Stiltner also anywhere 85 VHCO.COM 719-481-1129 upper left corner, so this VISIT should work. Please send a proof ofvhco.com the ad. Thanks!“Vivint Jenehas really changed my life and improved my way of 87 US AT 719-597-6373 masterbilthomes@icloud.com SQUIRREL CREEK RD. MasterBilt.com living,” Fanning said. “My chair is tricked out with all these Fountain things I can do, and now I have a smart home to go along with 2 that.” 5 Watch a video of Fanning’s experience with smart home technology at youtu.be/eCGsYJv2xrQ. Fanning is a cofounder of Brothers Keepers, a non-profit organization focused on providing healing and fellowship for wounded veterans, first responders and their families. Fort Carson About Vivint Smart Home FROM $384,150 * NEW to 1.5 AC LOTS Come Visit Our New1/3 Model Home! Vivint Smart Home is the leading provider of smart home Amazing standard Best value in the area Bestfeatures Value •Homes services in North America. Vivint delivers an integrated smart home system with in-home consultation, professional FREE FINISHED BASEMENT SPECIAL INVENTORY HOMES AVAILABLE NOW! installation and support delivered by its Smart Home Pros, 12455 Black Hills Dr. (in The Estates as well as 24-7 customer care and monitoring. Dedicated 25@ Meridian Ranch) 719.963.7983 / 303.881.2345 to redefining the home experience with intelligent products 281-900-7020/253-592-1097 www.majesticcustomhomes.com custom homes, inc and services, Vivint serves more than one million customers. J.D. Power ranked Vivint Smart Home “Highest in Customer Satisfaction for Home Security Systems.” For more information, visit www.vivint.com. 

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SUNDAY, NOVEMBER 12, 2017 ❘ THE GAZETTE ❘ H 3

THE MORTGAGE PROFESSOR:

Why the HECM reverse mortgage market is stunted – and what can be done about BY JACK GUTTENTAG, TRIBUNE NEWS SERVICE

During my lifetime, retirement planning has become more and more challenging. People are living a lot longer, which makes retirement periods longer, and fewer people retire with employer-provided defined benefit pension plans. On the positive side of the ledger, the rate of homeownership is higher, home equity is a major part of the wealth of seniors, and we now have the HECM reverse mortgage program that allows home owning retirees to convert that equity into spendable funds. This is a well-designed program with government insurance protecting both the retiree borrowers and the lenders who fund them. The problem is that very few homeowner retirees use the program. While about a million homeowners retire every year, fewer than 60,000 HECMs will be written this year. WHY THE HECM MARKET IS STUNTED The fundamental reason is that most senior homeowners view reverse mortgages with anxiety, suspicion and distrust. HECMs are complicated, and very different from the mortgages they used to buy their homes many years earlier. Further, the capacity of retirees to process information about something that is new and complex is not what it had been. In addition, their home is at stake and the last thing they want to do is risk losing it. While seniors see many ads for reverse mortgages, they don’t recognize any of the lender names. And while TV ads using celebrity spokespersons succeed in attracting some seniors to individual lenders, the ads repel many others; on balance, they may shrink the market. The market for HECMs is highly dysfunctional. Marketing costs are high and markups are two to three times larger than they are in the forward mortgage market. There is no way for prospective borrowers to shop effectively for the best deal, which is itself a major source of anxiety. MANDATED COUNSELING DOESN’T HELP Because the Federal Government insures HECMs, and because elderly homeowners are a politically sensitive constituency, the HECM market is highly regulated. Under a counseling requirement that is unique to reverse mortgages, HECM lenders cannot accept an application from a borrower unless the borrower presents a certificate attesting to the successful completion of a mandated counselling session with a certified counselor committed to covering a long list of topics required by HUD. The problem with the list of counseling topics is that its focus is preventing sins of commission, where seniors take reverse mortgages who shouldn’t. But the major problem is sins of omission, where seniors who badly need a reverse mortgage, don’t take one. The existing counselling system doesn’t deal with this problem. THE COUNSELING SYSTEM THAT IS NEEDED It should focus on the threefold problem of the senior contemplating a HECM reverse mortgage: • Defining future financial status, including sources of retirement income, financial assets and their earnings, and planned lifestyle expenses. • Fitting a HECM into the retirement plan in the most advantageous way possible, taking advantage of the multiple HECM options that are available, and the flexibility the program offers to change options in response to changing needs. • Finding the lender offering the best terms on the HECM option that is needed. Here is an over-simplified illustration. John is 62, intends to work until he reaches 67, and has a deferred annuity that he purchased some time back that will begin payments when he reaches 75. During the eight years after he retires until the annuity kicks in, he will be short of spendable funds. John will use a HECM to supplement his income during that period. To do that, he will take a credit line at 62, allow it to grow

for five years, at which point he will use some or all of it to purchase a term payment for eight years. Whatever part of the line he does not need for the term payment he will retain as a reserve for future contingencies or special occasions. Having identified the HECM he needs, John can now shop lenders for the best deal. He will be interested in the largest possible eight-year term payment beginning in five years. If he has concerns about his estate value, he will also be interested in how much he will owe on that HECM at some future time. The lenders John solicits will be obliged to generate the projections specific to his needs. In sum, a central objective of a HECM counseling system should be to identify the HECM option that best meets the senior’s expected future needs. The existing counseling system is so permeated by HUD’s fear that seniors will be led astray that it discourages this type of analysis. In its instructions to applicants who are preparing to be counseled, HUD says “The job of the counselor is not to ‘steer’ or direct you toward a specific solution, a specific product, or a specific lender.” EXISTING MANDATORY DISCLOSURES ARE A TRAVESTY Disclosure requirements are far more extensive than those applicable to forward mortgage borrowers. The packages are prepared by a lender or a counselor, depending on which one the senior contacts first; usually it is a lender. Since the borrower has not been counseled on the HECM option that best meets her needs, the documents must cover a range of possibilities, which is one reason the packages are so large. A recent document package I looked at had

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700739 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 12, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) WAYNE S. JONES AND MELISSA HAMMOND Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR LENDER, BROKER SOLUTIONS, INC. DBA NEW AMERICAN FUNDING Current Holder of Evidence of Debt BROKER SOLUTIONS, INC. DBA NEW AMERICAN FUNDING Date of Deed of Trust December 02, 2015 County of Recording El Paso Recording Date of Deed of Trust December 02, 2015 Recording Information (Reception No. and/ or Book/Page No.) 215130032 Original Principal Amount $290,106.00 Outstanding Principal Balance $284,293.78 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 633, WOODMEN HILLS FILING NO. 9, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 8087 BUSCHBORN ROAD, PEYTON, CO 80831. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/10/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/12/2017 Last Publication 12/10/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/12/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Toni M. Owan #30580 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-089-30150 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

97 pages covering a wide range of possible options that might or might not have had any bearing on the needs of the senior receiving it. She is expected to educate herself from an information fire hose. Whether on balance these documents do more good than harm is debatable. Some seniors find the package so forbidding that they drop out of the market altogether.

DEVELOPING A NEW COUNSELING SYSTEM The key to developing a HECM market structure that will work for seniors is a counseling system that focuses on identifying the specific HECM option that best complements the individual senior’s financial situation. This is critical because a loan market will not work effectively if borrowers don’t know what they want. The system must be

independent of lenders yet have access to current HECM pricing. Since no one else seems inclined to do this, my colleagues and I have decided to do it ourselves. Stay tuned. ■ Jack Guttentag is professor emeritus of finance at the Wharton School of the University of Pennsylvania. Comments and questions can be left at www. mtgprofessor.com.

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This upgraded home features wood floors on the main level with an updated kitchen and master suite. There are two bedrooms on the main level so this is one-level living. There are three additional bedrooms on the lower level and a large family room and a large storage/mechanical room. The home also has a 3 car garage which is very rare in Pine Terrace. There is a large deck for entertaining with views of “39 Pines” and the surrounding area.

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700743 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 12, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) Christian L. Orth Original Beneficiary(ies) Wells Fargo Financial Colorado, Inc. Current Holder of Evidence of Debt LSF10 Master Participation Trust Date of Deed of Trust June 02, 2006 County of Recording El Paso Recording Date of Deed of Trust June 08, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206084902 Original Principal Amount $174,445.68 Outstanding Principal Balance $157,951.59 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 19, BLOCK 2, VISTA GRANDE TERRACE, FILING NO. 9, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK T-2 AT PAGE 72. Also known by street and number as: 5349 Descanso Circle East, Colorado Springs, CO 80918. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/10/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/12/2017 Last Publication 12/10/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/12/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-14-636896-JS The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700675 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 14, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) MICHEL BOWMAN-AMUAH and MYMA BOWMAN-AMUAH Original Beneficiary(ies) BANK UNITED OF TEXAS FSB Current Holder of Evidence of Debt JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Date of Deed of Trust June 10, 1994 County of Recording El Paso Recording Date of Deed of Trust June 16, 1994 Recording Information (Reception No. and/ or Book/Page No.) 094083652 Original Principal Amount $136,800.00 Outstanding Principal Balance $65,197.59 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 12 IN PEAK VISTA SUBDIVISION, EL PASO COUNTY, COLORADO. Also known by street and number as: 6426 PEAK VISTA CIRCLE, COLORADO SPRINGS, CO 80918. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 10/15/2017 Last Publication 11/12/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/14/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nigel G. Tibbles #47133 The Sayer Law Group, P.C. 9745 E. Hampden Ave., Suite 400, Denver, CO 80231 (303) 3532965 Attorney File # CO170155 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700722 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 1, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) KEN W. KNITTER Original Beneficiary(ies) ADDISON AVENUE FEDERAL CREDIT UNION Current Holder of Evidence of Debt FIRST TECHNOLOGY FEDERAL CREDIT UNION Date of Deed of Trust November 14, 2005 County of Recording El Paso Recording Date of Deed of Trust November 29, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205189393 Original Principal Amount $216,800.00 Outstanding Principal Balance $172,739.16 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 6, WAGON TRAILS FILING NO. 13, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5423 SPOKED WHEEL DRIVE, COLORADO SPRINGS, CO 80918. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/03/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/5/2017 Last Publication 12/3/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/01/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210, Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00287-1 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

H 4 ❘ THE GAZETTE ❘ SUNDAY, NOVEMBER 12, 2017

Careers Top 10 environmentally friendly companies BY LILY MARTIS  MONSTER.COM

Energy, recyclables, water, food — these are all things the average American wastes a lot. Take, for example, the average office worker, who uses 10,000 pieces of copy paper a year, with about 45 percent of it usually getting trashed by end of day, according to The Paperless Project. Now, add that up for every worker in your office, and it’s easy to see where all of our forests have gone. Fortunately, that’s not the case for workers at all companies. Some best-in-class employers understand the value of sustainability in the workplace and beyond — whether it’s through recycling programs, paperless communications, or energy conservation initiatives. Recently, Monster partnered with employeereview platform kununu to identify the workplace factors that workers rate as most important to their job satisfaction. Using kununu’s star rating system — 1 (low) to 5 (high) — we identified the top companies with a four-star rating or higher for environmental friendliness and then rounded up the jobs they’re hiring for on Monster. The winners are a diverse mix, including everything from Internet powerhouses to health systems. The best part: You don’t necessarily have to be the outdoorsy-type to work for the good of the earth. At these companies, rather than wading through rivers or trekking through the jungle, instead, you might find yourself working under a solar-panel roof or LED lights, or maybe even helping pass environmental protection laws. But don’t just take our word that these companies care about the environment. Take

it from the people who know best: current and former employees who left reviews on kununu’s site. See if you, too, want to go green at one of the companies below. 1. AMAZON Corporate headquarters: Seattle What they do: Amazon provides e-commerce and cloud computing services. Number of jobs in 2017: 36,866 Frequently hiring for: Software developers, marketing managers, IT project managers, operations managers, human resources managers, warehouse associates Why they’re on the list: There is a “24/7 policy of eco-consciousness and awareness” at Amazon, where reviewers said, “they try to make as little impact [on the environment] as possible.” Amazon is diversifying its energy portfolio through largescale rooftop solar systems on their fulfillment centers as well as by converting their lighting systems to low-emitting diode LED lighting, according to Amazon’s website. The e-commerce giant also has 10 renewable energy “farms” that power electricity for their data centers. 2. APTIVE ENVIRONMENTAL Corporate headquarters: Provo, Utah What they do: Aptive Environmental provides pest control services in 24 states. Number of jobs in 2017: 0 Frequently hiring for: Sales representatives, sales managers, branch managers, customer loyalty specialists, operations managers

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Why they’re on the list: Protecting the environment is of the utmost importance at Aptive. As an industry leader, the company’s main goal is to provide pest control solutions that reduce health risks to humans and the environment. They’ve even partnered with the United Nation’s Nothing But Nets campaign to help stop the spread of malaria, according to the company’s website. 3. PHILIPS HEALTHCARE Corporate headquarters: Andover, Massachusetts What they do: Philips health system is comprised of hospitals and health care centers across the country. Number of jobs in 2017: 5 Frequently hiring for: Industrial engineers, web developers, computer systems engineers Why they’re on the list: There is an “excellent recycling program” in place at Philips, according to reviewers. The company “makes great progress in reduction of pollution and environmental harm,” and there are “plenty of signs to educate employees on which materials are recyclable, compostable, and trash. The company is also conscious of their product’s material waste.” 4. DYNAMIC DALLAS SOLUTIONS Corporate headquarters: Dallas What they do: Dynamic Dallas Solutions is a marketing consultancy that provides high-impact business development programs around leadership training, inventory control and other aspects of running a company. Number of jobs in 2017: 152 Frequently hiring for: Product promoters, public relations specialists, sales representatives, customer service representatives, event planners Why they’re on the list: While “the office does its share to help better the environment,” reviewers said of Dynamic Dallas Solutions, the company’s clientele care about the environment, too, as the company “recently signed renewable energy clients that will change the world for decades to come.” 5. GOOGLE Corporate headquarters: Mountain View, California What they do: Google is a tech company that specializes in online advertising, search, cloud computing, software, and hardware. Number of jobs in 2017: 6,994 Frequently hiring for: Software developers, sales engineers, marketing managers, sales representatives, market research analysts, advertising sales agents, computer systems engineers Why they’re on the list: Sustainability is a part of everything Google does, having invested $2.5 billion in renewable energy projects, according to its website. Whether it’s mapping forest loss, tracking illegal fishing in the oceans, using machine learning to conserve energy within its data centers, or even just cooking with the “ugly” produce in the campuses’ cafes, reviewers at kununu described the Internet company as “very Earth-conscious.” 6. CITIBANK Corporate headquarters: Sioux Falls, South Dakota What they do: Citibank provides commercial and consumer banking and financial products and services. Number of jobs in 2017: 41,225 Frequently hiring for: Branch managers, tellers, financial analysts, sales agents, loan officers, accountants, auditors Why they’re on the list: Reviewers said Citibank is “always looking for ways to save energy and help with the environment.” The company recently announced a $100 billion, 10-year commitment to finance sustainable growth, according to their website. Not to mention, the financial group plans to be 100 percent powered by renewable energy by 2020, already boasting a fully green building. Additionally, reviewers at kununu say Citibank has community volunteer days as a way to be more eco-friendly. 7. UNIVERSITY OF GEORGIA Corporate headquarters: Athens, Georgia

What they do: Dubbed the “birthplace of public higher education in America,” the University of Georgia is a public research university, comprised of 17 schools and colleges. Number of jobs in 2017: 2,711 Frequently hiring for: Administrative assistants, researchers, postsecondary teachers, fundraising managers, accountants Why they’re on the list: According to the school’s website, UGA “is improving the world and addressing grand global challenges through better local solutions.” Named a Green Ribbon University by the U.S. Department of Education, UGA has reduced waste and water and energy usage significantly in the past decade through things like rain gardens, LED lighting, and bike paths. Additionally, the university plans to continue to promote sustainability by converting its bus transit system to electric vehicles. 8. UNITEDHEALTH GROUP Corporate headquarters: Minneapolis What they do: UnitedHealth Group is a health system comprised of hospitals and health centers and provides insurance and information technology services. Number of jobs in 2017: 81,809 Frequently hiring for: Registered nurses, nurse practitioners, customer service representatives, medical assistants, physician assistants, sales trainers, social workers, pharmacy technicians Why they’re on the list: UnitedHealth Group’s green business practices reduce carbon footprint in daily office work, as the company is moving toward paperless communications and implementing workplace conservation initiatives. Some of the great things the health group is doing for the environment, according to their website, include implementing 98 energy and water conservation projects and recycling 7,263 tons of paper, which is probably why kununu reviewers described the company as “very environmentally responsible.” 9. GOVERNMENT ACCOUNTABILITY OFFICE (GAO) Corporate headquarters: Washington, D.C. What they do: GAO is a legislative branch government agency that provides auditing, evaluation, and investigative services for Congress. Number of jobs in 2017: 164 Frequently hiring for: Management analysts, auditors, training and development managers, market research analysts, computer systems analysts, economists Why they’re on the list: GAO has an entire Natural Resources and Environment team dedicated to supporting Congress as it considers bills related to the Earth. By providing fact-based analyses on issues related to sustainability and environmental efforts, including energy supply, land and water resources, environment protection, food safety, and agricultural programs, GAO helps Congress pass legislation to make the world a better place. 10. WEGMANS FOOD MARKETS Corporate headquarters: Rochester, New York What they do: Wegmans is a family-owned supermarket chain, with 94 stores based in New York, New Jersey, Pennsylvania, Maryland, Virginia, and Massachusetts. Number of jobs in 2017: 5,082 Frequently hiring for: Food preparation workers, cashiers, line cooks, pharmacy technicians, dishwashers Why they’re on the list: While reviewers said recycle bins abound at Wegmans (Not to mention, “they try to ensure that staff use [the recycle bins] appropriately as role models for the customers.”), the supermarket does so much more for sustainability. To name a few, Wegmans, according to its website, also supports local food banks, employs solar panels at several locations, uses compressed natural gas fuel in the trucks at its Pennsylvania distribution center, utilizes LED technology, makes use of natural refrigerant technology, and diverts half of its waste from landfills. To find jobs, visit Monster.com. 

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700686 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 18, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) RICHARD L. MINTLE Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR FIRST NATIONAL BANK OF ARIZONA Current Holder of Evidence of Debt Deutsche Bank Trust Company Americas, as Trustee for Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2005-QA8 Date of Deed of Trust April 27, 2005 County of Recording El Paso Recording Date of Deed of Trust May 02, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205061385 Original Principal Amount $276,000.00 Outstanding Principal Balance $260,916.89 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 269, WOODMOOR HIGHLANDS II, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 19380 GLEN HOLLOW CIRCLE, MONUMENT, CO 80132. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 10/22/2017 Last Publication 11/19/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/18/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street, Denver, CO 80204 (303) 3503711 Attorney File # 00000006949200 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700693 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 22, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) STEVEN VALENCIA and KARAMA VALENCIA Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE INVESTORS CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt FREEDOM MORTGAGE CORPORATION Date of Deed of Trust June 20, 2011 County of Recording El Paso Recording Date of Deed of Trust July 15, 2011 Recording Information (Reception No. and/ or Book/Page No.) 211068103 Original Principal Amount $294,105.00 Outstanding Principal Balance $254,970.01 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4 IN BLOCK 3 IN WINDJAMMER AT BRIARGATE FILING NO. 4, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 3045 COMMODORE DR, COLORADO SPRINGS, CO 80920. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 10/22/2017 Last Publication 11/19/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/22/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016348 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700672 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 11, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) MATTHEW A COOPER Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for NOVA FINANCIAL & INVESTMENT CORPORATION Current Holder of Evidence of Debt WELLS FARGO BANK, N.A. Date of Deed of Trust December 05, 2014 County of Recording El Paso Recording Date of Deed of Trust December 11, 2014 Recording Information (Reception No. and/ or Book/Page No.) 214113982 Original Principal Amount $273,161.00 Outstanding Principal Balance $261,566.69 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 28, BLOCK 1, PARKSIDE AT MOUNTAIN SHADOWS FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5625 MAJESTIC DRIVE, COLORADO SPRINGS, CO 80919. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 10/15/2017 Last Publication 11/12/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/11/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-778260-LL The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700752 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 13, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) Michael L Wolfert Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. as nominee for Provident Funding Associates, L.P. Current Holder of Evidence of Debt U.S. Bank National Association, as Trustee, for Structured Asset Mortgage Investments II Inc., Prime Mortgage Trust, Certificates, Series 2007-1 Date of Deed of Trust November 30, 2006 County of Recording El Paso Recording Date of Deed of Trust December 12, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206180245 Original Principal Amount $580,000.00 Outstanding Principal Balance $517,795.72 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 52, IN TALON RIDGE AT PEREGRINE FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 8410 Tiaga Trail, Colorado Springs, CO 80919. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/10/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/12/2017 Last Publication 12/10/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/13/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-780705-LL The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700750 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 13, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) KENNETH A BARKER, JR. and JOY E LOVE Original Beneficiary(ies) PHH MORTGAGE SERVICES Current Holder of Evidence of Debt U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR MASTER SEASONED SECURITIZATION TRUST 2005-1, MORTGAGE PASSTHROUGH CERTIFICATES, SERIES 2005-1 Date of Deed of Trust January 15, 2001 County of Recording El Paso Recording Date of Deed of Trust January 24, 2001 Recording Information (Reception No. and/ or Book/Page No.) 201008341 Original Principal Amount $449,250.00 Outstanding Principal Balance $59,202.32 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 10 IN MOUNTAIN SHADOWS FILING NO. 14, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 5020 LANAGAN, COLORADO SPRINGS, CO 80919. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/10/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/12/2017 Last Publication 12/10/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/13/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Elizabeth S. Marcus #16092 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015172 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

H 6 ❘ THE GAZETTE ❘ SUNDAY, NOVEMBER 12, 2017

Name Change

Notices

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Carpeting ****************** CARPET/TILE/VINYL Install Restretch And Repair Call 520-9318 ********************

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Estate Sales ESTATE SALE 370 Scrub Oak Cir. Fri Sat, Sun 9am4pm. Sat 9am-4pm. Fenton, Staffordshire, Royal Albert, Art, full house of Furniture. See pics at www.elite estatesservices. com

North East HUGE ESTATE SALE

2720 Villa Loma Dr. Sat & Sun 8:30a-4p. Furniture, hand tools, antiques, kitchen and holiday items. Too much to list! ****************

NOTICE OF FINAL SETTLEMENT Notice is hereby given that Final Payment of the contract between Academy District 20 and Performance Recreation for RFP 15-JY-0210 Playground Poured Surface at Academy International Elementary School will be made on or about November 24, 2017. Any person, co-partnership, association of persons, company or corporation that has furnished labor, materials, team hire, sustenance, provisions, provender or other supplies used or consumed by the contractor identified above or any subcontractor thereof in or about the performance of the work contracted to be done or that has supplied rental machinery, tools, or equipment to the extent used in the prosecution of the work whose claim therefore has not been paid by the contractor or subcontractor, may in accord with section 38-26-107 (1) C.R.S., file with Kris K. Garnhart, Director for Building Fund Contracting and Procurement, Academy District 20 Building Fund Office located at 1295 Kelly Johnson Blvd., Suite 260, Colorado Springs, CO, 80920 a verified statement of the amount due and unpaid on account of such paid claim, which statement must be filed on or before October 26, 2017. Published in Colorado Springs Gazette November 11, 12, 2017

District 49 Board of Education Vacancy Application packets are available at the Education Services Center, 10850 E. Woodmen Road, Peyton, Colorado and on the district’s website at www.d49.org. Interested candidates must complete an application packet that consists of a letter of interest, affidavit of school director candidate qualifications, candidate questionnaire, resume and a list of three references. These application packets must be received in the office of the Executive Assistant to the Board of Education by 4:00 p.m. on Thursday, December 7, 2017. The Board will interview prospective candidates at a public meeting and the remaining four members of the Board will appoint a new Board of Education Director at a public meeting. To be eligible for this appointment, a candidate must be a registered elector of District 49 for at least twelve consecutive months prior to the date of appointment and a resident of director district 4 and meet all other eligibility criteria for serving as a Board Director. Candidates should be aware that the application materials they submit are open public records. For more information, please visit our website at www.d49.org or contact Donna Richer, Executive Assistant to the Board of Education, at 719-495-1128 or dricher@d49.org. Published in Colorado Springs Gazette November 12, 2017

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700703 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 28, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) Andrew W Beavor Original Beneficiary(ies) Mortgage Electronic Registration Systems Inc., as nominee for Mortgage Solutions of Colorado, LLC Current Holder of Evidence of Debt BANK OF AMERICA, N.A. Date of Deed of Trust January 26, 2009 County of Recording El Paso Recording Date of Deed of Trust February 05, 2009 Recording Information (Reception No. and/ or Book/Page No.) 209011557 Original Principal Amount $189,404.00 Outstanding Principal Balance $175,086.95 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4 IN BLOCK B, A REFILING OF A PORTION OF BLOCK 3 AND ALL OF BLOCK 4 VISTA GRANDE SUBDIVISION FILING NO. 2 IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK I-2 PAGE 36. Legal description corrected by a Scrivener’s Error Affidavit recorded on August 25, 2017 at Reception No. 217102463 Also known by street and number as: 4614 La Cresta Drive, Colorado Springs, CO 80918. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/27/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 10/29/2017 Last Publication 11/26/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/28/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210, Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00260-1 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700671 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 11, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) DANIEL A SUNDBY and MARY JOY SUNDBY Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. as nominee for AMERICA’S WHOLESALE LENDER, its successors and assigns Current Holder of Evidence of Debt THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATESHOLDERS OF THE CWABS INC., ASSET- BACKED CERTIFICATES TRUST 200513 Date of Deed of Trust September 23, 2005 County of Recording El Paso Recording Date of Deed of Trust October 11, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205160479 Original Principal Amount $384,000.00 Outstanding Principal Balance $318,709.57 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 11, BLOCK 18, DONALA SUBDIVISION NO. 2 AND AS AMENDED BY SURVEYOR’S STATEMENT RECORDED JANUARY 23, 1973 IN BOOK 2555 AT PAGE 869, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 125 MISSION HILL WAY, COLORADO SPRINGS, CO 80921-3233. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 10/15/2017 Last Publication 11/12/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 08/11/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015695 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700730 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 6, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) BRANT C. BIRDSALL Original Beneficiary(ies) BANK UNITED OF TEXAS FSB Current Holder of Evidence of Debt WELLS FARGO BANK, NATIONAL ASSOCIATION, SUCCESSOR BY MERGER TO WELLS FARGO BANK, MINNESOTA, NATIONAL ASSOCIATION, AS TRUSTEE FOR REPERFORMING LOAN REMIC TRUST CERTIFICATES, SERIES 2002-2 Date of Deed of Trust February 29, 1996 County of Recording El Paso Recording Date of Deed of Trust March 05, 1996 Recording Information (Reception No. and/ or Book/Page No.) 096026321 Book: 6833 Page: 689 Original Principal Amount $123,364.00 Outstanding Principal Balance $104,493.97 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9 IN PINON VALLEY FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1931 POWDER RIVER DRIVE, COLORADO SPRINGS, CO 80919. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/03/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/5/2017 Last Publication 12/3/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/06/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016337 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

EL PASO COUNTY COURT EL PASO COUNTY, COLORADO 270 South Tejon, Colorado Springs, CO 80903 CASE NUMBER: 17C3724 DIVISION: R COURTROOM: S280 In the Matter of the Petition of Adult: Monica Raquel Martha Haeffele For a Change of Name to: Monica Raquel Jordan Haeffele PUBLIC NOTICE OF PETITION OF CHANGE OF NAME Public notice is given on November 6, 2017 that a Petition for a Change of Name of an Adult has been filed with the El Paso County Court. The Petition requests that the name of: Monica Raquel Martha Haeeffele be changed to: Monica Raquel Jordan Haeffele Dr. Lynette D. Cornelius Clerk of Court Chelsea Olstad Deputy Clerk Published in The Gazette: November 10, 11, 12, 2017

EL PASO COUNTY COURT EL PASO COUNTY, COLORADO 270 South Tejon, Colorado Springs, CO 80901 CASE NUMBER: 17C 3185 DIVISION: R COURTROOM: S280 In the Matter of the Petition of Adult: Jason Shantrel Roberts For a Change of Name to: Josiah Judah Israel PUBLIC NOTICE OF PETITION OF CHANGE OF NAME Public notice is given on November 07, 2017 that a Petition for a Change of Name of an Adult has been filed with the El Paso County Court. The Petition requests that the name of: Jason Shantrel Roberts be changed to: Josiah Judah Israel Dr. Lynette D. Cornelius Clerk of Court Chelsea Olstad Deputy Clerk Published in The CS Gazette: Nov. 11, 12, 13, 2017.

District Court El Paso County 270 S Tejon Street Colorado Springs, CO 80903 In the Matter of: Cameron Bennett Jacobson Case Number: 2017PR460 NOTICE OF HEARING BY PUBLICATION PURSANT TO §15-10-401, C.R.S. TO: Derrick Barron Last Known Address, if any: Rockford, Il. A hearing on Petition for Appointment of Guardian for Minor will be held at the following time and location or at a later date to which the hearing may be continued: DATE: January 4, 2018 TIME: 9:00 AM Division: W/W150 ADDRESS: 270 South Tejon, Colorado Springs, CO, 80903 Attorney or Party Without Attorney: Lisa Friedrich 10904 Klondike Dr. Peyton, CO 80831 Published in The Gazette on: Nov 5, 12, 19, 2017

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EL PASO COUNTY FIELD-DISTRICT & COUNTY COURTS EL PASO COUNTY, COLORADO 270 South Tejon, Colorado Springs, CO 80901 CASE NUMBER: 12DR3437 Division: R Courtroom: S280 In the Matter of the Petition of Parent/Petitioner: Stephanie Copus and Michael A. Slutz For Minor Child: Kaden Michael Slutz For Change of Name to: Kaden Michael Copus PUBLIC NOTICE OF PETITION OF CHANGE OF NAME Public notice is given on October 30, 2017, that a Petition for a Change of Name of a Minor Child has been filed with the El Paso County Court. The Petition requests that the name of: Kaden Michael Slutz be changed to: Kaden Michael Copus Dr.Lynette D. Cornelius Clerk of Court Chelsea Olstad Deputy Clerk Published in The CS Gazette Nov. 11, 12, 13, 2017. DISTRICT COURT, EL PASO COUNTY, COLORADO 270 S. TEJON ST. COLORADO SPRINGS, CO 80903 THE PEOPLE OF THE STATE OF COLORADO IN THE INTEREST OF: CHILD, A.J.W. MOTHER, J.W. RESPONDENTS, S.W., DEE, “WHOSE TRUE NAME IS UNKNOWN” CASE NUMBER: 16JV1123 DIVISION: N/CS IV-D CASE NUMBER: 21-820123-45-9A Attorney: Mikayla E. Shearer Reg: 50854 Phone: 719-457-6331 Fax: 719-457-6340 Email: Elpasoecf @ywcss.com SUMMONS (PATERNITY) To: Dee, Whose True Name is Unknown YOU ARE NOTIFIED that a Petition has been filed in this Court in which it is represented that you are the parent of the above named child. In this Petition, the People of the State of Colorado request the Court to enter an order finding that you are the legal parent of the abovenamed child, entering an order requiring you to pay reasonable and necessary support pursuant to §19-4-116(6), Colorado Revised Statutes (C.R.S.), on a monthly basis commencing immediately for the support of the minor child, entering a judgment for child support debt pursuant to §14-14-104, C.R.S., medical support, and to grant such further relief as the Court deems proper, including requiring you to pay the costs of this action. You are advised that you have the right to be represented by counsel at every state of these proceedings. You also have the right to request genetic tests and that if genetic tests are not obtained prior to the legal establishment of paternity and submitted into evidence prior to the entry of the final order establishing paternity, the genetic tests may not be allowed into evidence at a later date. You may also have rights not herein named. YOU ARE SUMMONED to appear for a hearing on the Petition in Division N/CS of the DISTRICT COURT at 270 S. Tejon, Colorado Springs, Colorado 80903 on November 28, 2017 at 9:00 a.m. CLERK OF THE DISTRICT COURT/ ATTORNEY FOR EL PASO COUNTY CSS UNIT Published in CS Gazette Nov. 12, 2017

Legal Notice Notice is hereby given that a proposed budget has been submitted to the El Paso - Teller County 9-1-1 Authority for the ensuing year 2018. Copies of such proposed 2018 budget have been filed at the 9-1-1 CEO’s office, 2350 Airport Road, Colorado Springs, Colorado, and are available for public inspection, during regular business hours. Such proposed budget will be considered at an Authority Meeting to be held on November 29, 2017 1:00 PM. This meeting will be held in the Authority boardroom 2350 Airport Road, Colorado Springs, CO. Additionally; the meeting regularly scheduled for November 22, 2017 has been vacated. Any interested elector of El Paso and Teller County may inspect the proposed budget and file or register objection thereto at any time prior to the final adoption of the proposed budget. /s/ Pat Rigdon Authority Secretary Published in Colorado Springs Gazette November 12, 19, 2017

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700729 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 5, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s) CHAD DARYL CHAPMAN Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for PACIFIC UNION FINANCIAL, LLC Current Holder of Evidence of Debt PACIFIC UNION FINANCIAL, LLC Date of Deed of Trust October 25, 2016 County of Recording El Paso Recording Date of Deed of Trust November 01, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216126665 Original Principal Amount $217,307.00 Outstanding Principal Balance $215,991.67 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 6, CORRAL RANCHES SUBDIVISION FILING NO. 8, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK D-4 AT PAGE 104 AND AS AMENDED BY SURVEYOR’S STATEMENT RECORDED JANUARY 4, 1996 IN BOOK 6796 AT PAGE 985, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 13535 GYMKHANA RD, PEYTON, CO 80831. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 01/03/2018, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication 11/5/2017 Last Publication 12/3/2017 Name of Publication The Gazette IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 09/05/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street, Denver, CO 80204 (303) 3503711 Attorney File # 00000006967566 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015