Real Estate 12/31/17 by Colorado Springs Gazette, LLC

Marketplace Sunday, December 31, 2017

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THE MORTGAGE PROFESSOR:

Encouraging first-time home buyers to save for a down payment BY JACK GUTTENTAG, TRIBUNE NEWS SERVICE

This is a hot-button issue. Many aspiring first-time homebuyers find it difficult to save for a down payment, and millennials heavily burdened by student debt find it especially challenging. There is widespread sentiment that they ought to be given a helping hand. STATE-BASED FIRST-TIME HOME BUYER SAVINGS ACCOUNT LAWS In response, a number of states have passed laws designed to encourage saving for a down payment. These programs eliminate state income taxes on interest paid on deposits earmarked for that purpose by first-time home buyers. According to Jonathan Lawless writing in National Mortgage News of Nov. 17, such programs have arisen in Montana, Virginia, Colorado, Mississippi, Iowa and Minnesota, and are pending in Pennsylvania, New York, Oklahoma, Maryland, Utah and Louisiana. After taking a close look at the laws in several of these states, I have concluded that they lack a key requirement of a successful savings program: savings discipline. This article describes a different type of program that does

provide savings discipline, and would therefore result in a much more powerful inducement to save for a down payment. In addition, it would be national in scope, and no taxpayer funds would be required. THE IMPORTANCE OF SAVINGS DISCIPLINE Savings discipline is the imposition of a cost on those who fail to meet their savings objective. Its role is to protect savers against momentary weaknesses that can subvert their objective. The discipline can be provided in the terms of a savings program, or by the savers themselves. The most striking illustration of self-imposed saving discipline is one I saw in Liberia some years ago, where wannabee homeowners used their savings to purchase cinder blocks, which they piled up on their land until they had enough to start building their home. They lost the interest they could have earned if they had put their savings in a bank, and their cinder blocks were subject to weather-based deterioration, but the process thwarted temptations to use

their savings for something else. Even in the US, a sizable segment of the population finds it impossible to save without being subjected to savings discipline. Large numbers of people deliberately over-withhold on their income taxes in order to get a refund at the end of the year. The practice is particularly widespread in the US military. Most over-withholders realize that they are giving an interest-free loan to the government, but they accept that as the price of savings discipline. Layaway plans offered by department stores, where a customer makes a partial payment for a product which is put aside for them, are very similar.

could be used for the down payment and to meet settlement costs. Deposits used for any other purpose could be withdrawn at any time but would receive no interest. Accrued interest would not be an expense to the depository until it was paid as part of a home purchase transaction. Government’s only possible role is in authorizing this new type of deposit, should that be necessary.

SAVINGS DISCIPLINE ON THE DPA Those who fail get no interest while those who succeed earn enhanced interest. Because the failures receive no interest, the rate that will be offered on these accounts and enjoyed by successful savers will be higher than PROPOSAL FOR A PRIVATELY-BASED those on comparable standard deposits. FIRST-TIME HOME BUYER SAVINGS For example, if the bank anticipates ACCOUNT PROGRAM that half the deposits will receive zero The core player in this proposal is a interest, then it will pay two percent on depository institution offering a new type an account type that would otherwise of account — call it a down payment be priced at one percent. Banks that are also mortgage lenders will be particularly account or DPA. A DPA would differ aggressive in pricing these deposits from all other accounts in that interest because of their expectation that would accrue but not be paid except as part of a home purchase, where successful saver/home buyers may well both principal and accrued interest take their mortgage from them.

DIFFERENCES BETWEEN THE DPA AND THE STATE PROGRAMS The cost of failure on a DPA is loss of interest. In contrast, there is no cost of failure in the state programs because those who fail earn the same interest rate as those who succeed, and receive the tax benefit immediately. While they must repay the tax benefit at some point in the future, they are no worse off for having participated in the program. The DPA would be available nationwide. In contrast, the state programs are limited to residents of the state purchasing properties in the state; those planning to purchase a home in a different state do not qualify. The DPA would require no public funding. In contrast, the states will incur revenue loss, and will be faced with a formidable administrative hassle. They will have to incur the expense of getting failed savers, who may now live in other states, to repay the tax benefit.  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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SH 2 ❘ THE GAZETTE ❘ SUNDAY, DECEMBER 31, 2017

‘Alexa, make my Quicken Loans Rocket Mortgage payment’

Quicken Loans releases Rocket Mortgage Skill for Amazon Alexa, allowing clients to check mortgage rates, review balances, make payments NEWSWIRE

Millions of Quicken Loans clients • Listen to Alexa deliver current interest can now make their monthly Rocket rates for all Quicken Loans mortgage Mortgage payment with just the sound programs such as 15-year and 30-year of their voice, thanks to a new skill Conventional, FHA, and VA loans developed by Quicken Loans for the • Make a monthly mortgage payment Amazon Alexa. The nation’s largest online with a simple and secure voice mortgage lender continues to simplify command in a matter of moments and clarify the home lending experience “Through proprietary technology through its own technology development like Rocket Mortgage, Quicken Loans and by partnering with some of the continues to deliver radical simplicity world’s most advanced technology and crystal-clear transparency for companies such as Amazon. all homebuyers and those looking to By simply asking Alexa, Quicken Loans refinance their existing homes,” said clients are able to: Jay Farner, Quicken Loans CEO. “Our • Review nearly all account details such outstanding Rocket Mortgage technology as current loan balance, monthly team in Detroit developed this new skill payment amounts, payment due dates, for Alexa and they have shown once and more again whyRD. they are the elite FinTech PALMER DIVIDE

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development group in the country.” “Rocket Mortgage Skill for Amazon Alexa” appeals to a new generation of homebuyers, or anyone who is looking to have the easiest, smoothest, and most transparent home loan experience. To learn more about the common voice commands for Alexa, including, “Alexa, tell Rocket Mortgage to pay my mortgage,” visit alexa. rocketmortgage.com. Detroit-based Quicken Loans Inc. is the nation’s second largest retail home mortgage lender. The company closed more than $400 billion of mortgage volume across all 50 states from 2013 through 2017. Quicken Loans moved its headquarters to downtown Detroit in

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Quicken Loans was ranked No. 10 on Fortune magazine’s annual “100 Best Companies to Work For” list in 2017, and has been among the top 30 companies for the past 14 consecutive years. The company has been recognized as one of Computerworld magazine’s “100 Best Places to Work in IT” the past 13 years, ranking No. 1 for eight of the past 12 years, including 2017. The company is a wholly-owned subsidiary of Rock Holdings, Inc., the parent company of several FinTech and related businesses. Quicken Loans is also the flagship business of Dan Gilbert’s Family of Companies comprising nearly 100 affiliated businesses spanning multiple industries. 

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2010, and now more than 17,000 team members from Quicken Loans and its Family of Companies work in the city’s urban core. The company generates loan production from web centers located in Detroit, Cleveland and Scottsdale, Arizona. The company also operates a centralized loan processing facility in Detroit, as well as its San Diego-based One Reverse Mortgage unit. Quicken Loans ranked “Highest in Customer Satisfaction for Primary Mortgage Origination” in the United States by J.D. Power for the past seven consecutive years, 2010 – 2017, and highest in customer satisfaction among all mortgage servicers the past four years, 2014 – 2017.

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CONDOMINIUMS Condos are private residences owned by an individual or family in a private building. According to Realtor.com, condos are similar to apartments. However instead of paying rent, condo dwellers own the space. Condos share common areas, such as pools, recreation rooms, gyms and outdoors spaces. People may be attracted to condos because there is very little maintenance involved. Condos can be in large buildings similar to apartment buildings, and living spaces may be confined to one floor. High-rise condominiums may resemble skyscrapers, offered Coldwell Banker, which notes that a condo owner shares ownership of the land, the roof, the staircases and the exterior of the condominium complexes. The only thing the condo owner may own outright is his or her individual living space. Condo owners typically rely on maintenance companies and other contractors to handle the repairs and upkeep of the spaces outside of the interior of one’s specific condo. Residents typically pay condominium fees to a condo board to manage and cover these expenses. Because of the multiperson ownership, condos place strict restrictions on what can and can’t be done to the property.

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various levels and architectural styles. Some also feel that townhouses provide more of a traditional home feel than condominiums. Townhouses may come with a small parcel of land, a driveway or a private garage. Although there may be some community amenities accessible to owners of townhouses, such amenities are rare. However, because townhouse communities do not handle as much maintenance — exterior repair and roof maintenance may be the responsibility of the townhouse owner — homeowner association fees tend to be less expensive than those incurred by condo owners. Townhouse owners typically take ownership of the home, the roof and the land that lies below it. However, both townhouse and condo owners are urged to read the bylaws of their communities, which should specifically list responsibilities of the owner versus the homeowner association or condo board. 

SUNDAY, DECEMBER 31, 2017 ❘ THE GAZETTE ❘ SH 3

Top 5 New Year’s resolutions for your house COURTESY OF THE PLATINUM GROUP, REALTORS

Another brand-new year, and it’s time to get busy fixing, painting and organizing the house. Based on the most-common homeowner resolutions reported by Time magazine, USA.gov, and other real estate sources, here’s a list of inspiring goals for optimizing your home’s potential. 1. CUT ENERGY USE In order to trim energy use, HVAC is a good place to start. HVAC Ducts are widespread energy-wasters, letting heating and cooling air leak through holes and loose connections. Sealing and insulating ductwork improves efficiency by as much as 20 percent, and makes your home more comfortable. In addition, a more-efficient system can help extend the life of your furnace and air conditioner. 2. BUDGET FOR IMPROVEMENTS Now is the perfect time to create a budget for home improvement and maintenance. This can help prevent overspending and also inspires you save money for major things like a new roof or kitchen appliances. The U.S. Census Bureau says that average annual maintenance and home improvement expenditures are around $3,300 per household. As a general rule of thumb, homeowners are advised to put aside at least one percent of the purchase price of the home each year.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700890 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 27, 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) MARCUS A. JACKSON and CANDI A. ROGERS Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. as nominee for 360 MORTGAGE GROUP, LLC, its successors and assigns Current Holder of Evidence of Debt 360 MORTGAGE GROUP, LLC Date of Deed of Trust December 28, 2015 County of Recording El Paso Recording Date of Deed of Trust January 05, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216001049 Original Principal Amount $233,300.00 Outstanding Principal Balance $226,861.11 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 14A, FALCON VISTA SUBDIVISION 2, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 11955 BRAHMAN CT, 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, 02/28/2018, 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 12/31/2017 Last Publication 1/28/2018 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: 10/27/2017 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: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400, Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016663 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

3. GET ORGANIZED Most of us continuously accumulate a mountain of stuff and without regular purging, the house is soon jam-packed and it’s hard to find the things you use the most. Go room-by-room clearing out anything that you don’t use, wear or love and donate it to charity. Creating more storage space is always at the top of homeowner’s lists, and you may have solutions you didn’t know about. A high shelf between the walls of a narrow hallway, or slipping some storage into nooks under stairs or between wall studs can give you good out of the way spots to store stuff. 4. MAKE IT SAFE AND SOUND A few simple things will help ensure that you’re not living with a potential health hazard or fire risk. Check your house for radon, a colorless, odorless gas which causes about 21,000 lung cancer deaths each year, according to the U.S. Environmental Protection Agency. One in every fifteen homes has elevated levels and test kits cost as little as $20 at the local hardware store. Also, be sure to install a carbon monoxide detector on every bedroom floor. If a chimney flue or furnace vent gets blocked or leaks, carbon monoxide could back up in your house and kill you. Besides just cleaning the lint trap inside the dryer door, it’s necessary to clean the vents and ducts behind the dryer too. According to the U.S. Fire Administration, this problem accounts for

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700817 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 4, 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) ADRIAN B CRONKHITE Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for PEOPLES NATIONAL BANK Current Holder of Evidence of Debt PINGORA LOAN SERVICING, LLC Date of Deed of Trust December 04, 2013 County of Recording El Paso Recording Date of Deed of Trust December 10, 2013 Recording Information (Reception No. and/ or Book/Page No.) 213146341 Original Principal Amount $447,950.00 Outstanding Principal Balance $420,012.98 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 86, BENT TREE II, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1430 REGAL GLEN COURT, 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 10/04/2017 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 # 00000007076235 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

more than 15,000 building fires a year. 5. DON’T FORGET THE OUTDOORS Whether you’re thinking of selling your home anytime soon or not, taking time to spruce up your home’s curb appeal pays you back for a long time to come. Replacing or fixing old fences, clearing out weed-filled lawns or gardens, touching up surfaces with chipped or peeling paint will help the value increase and make coming home more enjoyable. The professionals at The Platinum Group,

Realtors understand that when the time comes to sell your home, regular home maintenance and upkeep goes a long way with potential buyers. Having the knowledge and expertise of an experienced Realtor to guide you through the home selling process is a vital step in protecting your interests. The Platinum Group, Realtors have years of experience and unlimited resources for valuable information to help you evaluate and determine the right path for your family’s needs. For a noobligation consultation, call today: 719-536-4326 or visit PlatinumHomesSales.com. 

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Neighborhood: Stonebridge at Meridian Ranch Driving Directions: From Powers Blvd & Woodmen, head East on Woodmen, left/north on Meridian Road, right/east on Londonderry. Enter Stonebridge at Meridian – left/south at Stone Valley Dr which turns into Golf Crest Dr. Right on Gulf Crest Dr, right on Stonemont Dr. Model homes on left. Agent/Company: Lenka Martin, (719)205-5248 For more info: Lenka@LenkaMartin.com 4 bdrms/3baths/2 car garage/ 3460 total sq f/ 3254 finished Ranch plan with finished basement, south facing lot with mountain views, adjacent to Antler’s Golf Course. Main level living at it’s best! Two bedrooms, two bathrooms on the main level. Two bedrooms, bathroom, rec room w/game area and finished wet bar area in the basement. Chef kitchen w/gas appliances and double ovens, designer cabinets, large island with granite countertops, pantry, & hardwood floors. Open floor plan – kitchen connect with dining area that flows into great room and gives plenty of room for entertaining. Master Suite w/coffered ceiling, 5pc bath, and walk-in closet. Additional features include: AC prep, covered patio, 90% energy efficient furnace, concrete area wells, fireplace, 8’doors, and so much more. This home is part of established Meridian Ranch community with many amenities. 1 year membership to Antler Creek Golf Course for two included! READY NOW. Brand new energy efficient home.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700804 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 2, 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) LISA J LEATHERMAN Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for DITECH MORTGAGE CORP Current Holder of Evidence of Debt DITECH FINANCIAL LLC Date of Deed of Trust June 20, 2015 County of Recording El Paso Recording Date of Deed of Trust June 30, 2015 Recording Information (Reception No. and/ or Book/Page No.) 215068174 Original Principal Amount $169,978.00 Outstanding Principal Balance $165,608.15 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 111, PEYTON RANCHES, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 15035 WAGON TRAIL, 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 10/02/2017 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) 350-3711 Attorney File # 00000007019946 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. EPC201700801 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 29, 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) NOEL R FOX and HEATHER M CONLEY-FOX Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for MORTGAGE SOLUTIONS OF COLORADO Current Holder of Evidence of Debt MORTGAGE SOLUTIONS OF COLORADO, LLC Date of Deed of Trust November 12, 2013 County of Recording El Paso Recording Date of Deed of Trust November 13, 2013 Recording Information (Reception No. and/ or Book/Page No.) 213138664 Original Principal Amount $280,912.00 Outstanding Principal Balance $292,691.33 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 98, FALCON HIGHLANDS FILING NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 10822 HIDDEN RIDGE CIR, 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 09/29/2017 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 # 15CO00789-2 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. EPC201700902 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 31, 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 Spaulding Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for Northpointe Bank Current Holder of Evidence of Debt Wells Fargo Bank, N.A. Date of Deed of Trust July 18, 2016 County of Recording El Paso Recording Date of Deed of Trust July 26, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216082817 Original Principal Amount $310,647.00 Outstanding Principal Balance $308,343.92 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 90, IN MERIDIAN RANCH FILING NO. 11A, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 13796 Park Meadows Drive, 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, 02/28/2018, 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 12/31/2017 Last Publication 1/28/2018 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: 10/31/2017 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-17-784950-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

Careers

SH 4 ❘ THE GAZETTE ❘ SUNDAY, DECEMBER 31, 2017

End-of-year career questions you definitely should ask yourself BY CAROLINE ZAAYER KAUFMAN, MONSTER.COM

A new year is approaching, but before you start listing the ways you’re going to dominate the next 12 months like the powerhouse you are, you need an accurate picture of what your career looks like right now. Conduct a sort of job evaluation: Where are you positioned for growth, and where do you have your work cut out for you? “Taking stock at year-end gives you an opportunity to (focus) and help you to adjust your approach to work,” said Juliet Murphy, an executive career coach in Orange County, California. To help with your career evaluation, ask yourself the following questions as you look back over the past 12 months and ahead to the New Year.

What career goals did I accomplish?

No doubt you set some challenges for yourself last year — good job! — but the more important part was that you acted on them. Did you lead a project that gave you more visibility? Did you get the promotion you were hoping for? Or did you just kind of go through the motions of your job and not really progress anywhere? Make a list of your accomplishments, whether it was something large like getting a pay raise or even as small as updating your resume. “When

you see what you’ve done or half done, it gives you motivation,” said Caroline Stokes, founder of Forward, an executive search and coaching firm in Vancouver, British Columbia. Whatever you achieved, the important thing is that you made progress and weren’t just spinning your wheels.

Did my skills get sharper?

A sure sign of professional growth is to compare the size of your skill set at the beginning and end of a year. “Think about what you did this year to increase your expertise and learning in your position and industry,” said Jessica Hernandez, president of Great Resumes Fast in Callahan, Florida. Whether you were able to practice leadership or master a new company process, you should be able to point out how you’ve improved. Did you attend conferences, take classes or get online training, earn new certifications or keep up with industry trends? These are all things that can sharpen your skills. If you’re not sure where your skills have improved, ask your boss for some feedback, Murphy said. Your boss can tell you from an outside perspective where you’ve added new value.

If your New Year’s resolutions include shifting your career into overdrive, start by taking stock of the past 12 months.

Does this sound like you?

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What is one thing that happened at work this year that I would change if I could?

If there’s nothing you’d change about the past year, you need to share your secret to career perfection with the rest of the world. But realistically, with the benefit of hindsight, there was certainly something — a mistake or missed opportunity — you wish you handled differently. Acknowledging your mistakes or regrets is the first step to not repeating them. The next step is making small changes to avoid going down the same path, Stokes said. If you missed a chance at something, how can you set yourself up to take the next great opportunity that comes your way? And if you messed something up, you should now know how to avoid that mistake. “Once you know what you would have changed last year,” Hernandez said, “you now know what to focus on changing this coming year.”

Was I happy doing my job?

If the answer to this question is yes, dig deeper to find out what in particular makes you happy. Are you passionate about your work? Is it the people? Is it the challenges? “Whatever makes you happy in your job, be aware of that and keep that in mind as a key driver as your career grows,” Murphy said. “Not everything will make you happy at work, but always keep an eye out for some components that create a happy work environment for you, and be sure they are included in your work now and in the future.”

If, on the other hand, the answer to this question is no, figure out what you’re unhappy about and if there will be a chance to change that in the coming year. “Know that you have the power to change things,” Murphy said. “Once you figure out the reason, take some time to think of what needs to change and how.” And remember, that just might include looking for a better job and leaving your current employer behind.

What do I want to accomplish career-wise in the coming year, and how will I set myself up for success?

There’s no point in looking back if you’re not going to learn the lessons and make changes now. Complete your year-end career evaluation with a plan to make the next year great. Hernandez suggested writing down three to five goals and breaking each one into quarterly, monthly and weekly goals. “As you check goals off,” she said, “you’ll see your growth and be more inclined to persevere.” Once you have your goals written down, talk to the right people about them — your boss, your family, your partner — and put together a plan, Stokes said. Sit down and work out what will make you happy. If your current employer isn’t in a position to help you achieve these goals, know that there are other companies out there that are looking for someone with the kind of drive and commitment that you’ve got in droves. 

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1-866-632-NEWS COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700893 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 30, 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 AUGELLI and CHRYSTIE AUGELLI and MADONNA M GREBENSTEIN Original Beneficiary(ies) JPMORGAN CHASE BANK, N.A. Current Holder of Evidence of Debt JPMORGAN CHASE BANK, NATIONAL ASSOCIATION Date of Deed of Trust June 17, 2006 County of Recording El Paso Recording Date of Deed of Trust July 10, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206101101 Original Principal Amount $130,000.00 Outstanding Principal Balance $109,860.05 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 0, FILING NO 1, OF CANYON VIEW SUBDIVISION, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6834 BITTERROOT DR, COLORADO SPRINGS, CO 80918-7327. 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, 02/28/2018, 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 12/31/2017 Last Publication 1/28/2018 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: 10/30/2017 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-17-784458-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. EPC201700797 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On September 29, 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 W DAILEY Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for NATIONS LENDING CORPORATION Current Holder of Evidence of Debt NATIONS LENDING CORPORATION, AN OHIO CORPORATION Date of Deed of Trust September 23, 2016 County of Recording El Paso Recording Date of Deed of Trust October 03, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216113407 Original Principal Amount $230,532.00 Outstanding Principal Balance $230,153.07 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 8, BLOCK 1, IN ANDEROSA ESTATES FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1833 CHAPEL HILLS 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 09/29/2017 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 # 00000006817845 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. EPC201700857 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 20, 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) MOISHEEN KALLA Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for ACADEMY MORTGAGE CORPORATION Current Holder of Evidence of Debt U.S. BANK NATIONAL ASSOCIATION Date of Deed of Trust July 31, 2015 County of Recording El Paso Recording Date of Deed of Trust August 03, 2015 Recording Information (Reception No. and/ or Book/Page No.) 215083306 Original Principal Amount $203,250.00 Outstanding Principal Balance $175,119.59 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 4, A REPLAT OF WOODLAND HILLS VILLAGE FILING NO. 5, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6940 CHURCHWOOD CIR, 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, 02/21/2018, 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 12/24/2017 Last Publication 1/21/2018 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: 10/20/2017 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-17-784080-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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700815 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 4, 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) EDWARD GONZALES and COURTNEY GONZALES Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for ACADEMY MORTGAGE CORPORATION Current Holder of Evidence of Debt WELLS FARGO BANK, N.A. Date of Deed of Trust April 30, 2012 County of Recording El Paso Recording Date of Deed of Trust May 01, 2012 Recording Information (Reception No. and/ or Book/Page No.) 212049295 Original Principal Amount $153,122.00 Outstanding Principal Balance $138,079.64 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 3 IN BLOCK 4 IN VISTE GRANDE SUBDIVISION FILING NO. 6, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 4529 DEL VERDE, 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 10/04/2017 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: Courtney Wright #45482 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-776769-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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Notices Name Change COUNTY COURT EL PASO COUNTY COLORADO 270 S. Tejon Street Colorado Springs, CO 80903 Case Number: 17C3357 Division: R Courtroom: S280 In the Matter of the Petition of Parent/Petitioner: Krystal Hahnebohm For Minor Child: Kale Anthony Hahnebohm To change the child’s name to: Kale Lighton Muckelrath NOTICE TO NON-CUSTODIAL PARENT BY PUBLICATION

EL PASO COUNTY COURT EL PASO COUNTY, COLORADO 270 South Tejon, Colorado Springs, CO 80901 CASE NUMBER: 17C 3468 DIVISION: R COURTROOM: S280 In the Matter of the Petition of Adult: Dustin Michael Buckingham For a Change of Name to: Dustin Michael Joyce PUBLIC NOTICE OF PETITION OF CHANGE OF NAME Public notice is given on December 20, 2017 that a Petition for a Change of Name of an Adult has been filed with the El Paso County Court.

Notice to: Unknown Father, non-custodial parent. Notice is given that a hearing is scheduled as follows: January 19, 2018, at 10:00am at 270 S. Tejon, Division R, Courtroom S280, Colorado Springs, Colorado 80903 for the purpose of requesting a change of name for Kale Anthony Hahnebohm. At this hearing the Court may enter an order changing the name of the minor child. To support or voice objection to the proposed name change, you must appear at the hearing.

The Petition requests that the name of: Dustin Michael Buckingham

Published in CS Gazette: Dec. 29, 30, 31, 2017 .

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be changed to: Dustin Michael Joyce Dr. Lynette D. Cornelius Clerk of Court Chelsea Olstad Deputy Clerk Published in The CS Gazette: Dec. 29, 30, 31, 2017.

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Legal notice of Assumed name(s) Thomas, Konterrias Dante is doing business as KONTERRIAS DANTE THOMAS More information by written request only to: The Office of KONTERRIAS DANTE THOMAS See: https://drive.google.com/ open?id=13AdLQ-iEYF2qL4A7TeqyFXRd0sl Sazgc Published in The CS Gazette Dec. 30, 31 2017. COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700806 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 2, 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) BRITTANY PLATCHEK Original Beneficiary(ies) Mortgage Electronic Registration System, Inc. as nominee for CHERRY CREEK MORTGAGE CO., INC. Current Holder of Evidence of Debt BANK OF AMERICA, N.A. Date of Deed of Trust February 25, 2010 County of Recording El Paso Recording Date of Deed of Trust February 26, 2010 Recording Information (Reception No. and/ or Book/Page No.) 210018095 April 20, 2010 Re-Recording Information (Reception No. and/or Book/Page No.) 210036312 Re-Recording Date of Deed of Trust Original Principal Amount $206,196.00 Outstanding Principal Balance $195,539.35 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 123, THE METROPOLITAN CLUB, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 9329 PORTMARNOCK COURT, 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 10/02/2017 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-17-780870-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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700870 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 24, 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) Troy Glide and Diana L. Short Glide Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for Mandalay Mortgage, LLC Current Holder of Evidence of Debt U.S. Bank National Association, as Trustee for Specialty Underwriting and Residential Finance Trust Mortgage Loan Asset-Backed Certificates, Series 2006-BC4 Date of Deed of Trust July 10, 2006 County of Recording El Paso Recording Date of Deed of Trust July 28, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206110939 Original Principal Amount $178,500.00 Outstanding Principal Balance $179,075.55 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 1, BLOCK 4, FAIRFAX AT BRIARGATE FILING NO. 1, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLROADO Also known by street and number as: 8075 Camfield Circle, 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, 02/21/2018, 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 12/24/2017 Last Publication 1/21/2018 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: 10/24/2017 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-17-777698-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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700873 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 25, 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) DAVID C. RAINES and MONICA J. RAINES Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR CMG MORTGAGE, INC. DBA CMG FINANCIAL, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt LAKEVIEW LOAN SERVICING, LLC Date of Deed of Trust March 09, 2012 County of Recording El Paso Recording Date of Deed of Trust March 15, 2012 Recording Information (Reception No. and/ or Book/Page No.) 212029493 Original Principal Amount $215,500.00 Outstanding Principal Balance $200,190.24 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 20, VISTA MESA SUBDIVISION FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6420 GEMFIELD 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, 02/21/2018, 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 12/24/2017 Last Publication 1/21/2018 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: 10/25/2017 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 # 17-016869 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. EPC201700863 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 23, 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) KEVIN J SUBER and SOPHIA J SUBER Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for HOWARD BANK Current Holder of Evidence of Debt CALIBER HOME LOANS, INC. Date of Deed of Trust March 24, 2016 County of Recording El Paso Recording Date of Deed of Trust April 11, 2016 Recording Information (Reception No. and/ or Book/Page No.) 216036497 Original Principal Amount $598,305.00 Outstanding Principal Balance $588,349.78 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 27, FLYING HORSE NO. 25 TURIN FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 14170 PENFOLD DRIVE, COLORADO SPRINGS, CO 80921. 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, 02/21/2018, 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 12/24/2017 Last Publication 1/21/2018 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: 10/23/2017 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 # 00000006916779 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

NOTICE OF PUBLIC LIEN SALE WAREHOUSE OPTIONS, INC. 7765 VENTURE ST COLORADO SPRINGS, CO 80951 In accordance with Colorado Law (C.R.S. 38-21.5-101, et. Seq. C.R.S. 4-7-209, et. seq.) Warehouse Options, Inc. will sell the contents of past due storage units to the highest bidder to satisfy owner’s lien for charges due. The public sale will take place on January 4, 2018 at 3:00pm at 7765 Venture St., Colorado Springs, CO 80951 (and associated location), (719) 390-1900. Inspection of units will begin at 2:45pm. The customer in default is Lawn Pro’s, Inc. (Neil Fairley, as Officer, Director, and/or Shareholder), Last known address: 5755 Industrial Pl. Unit C, Colorado Springs, CO 80916. The 8’x20’ units are; B025, B046, B133, B089, B224, B184, B132 and SG49-50. The contents of the units include general landscaping and lawn maintenance tools, machinery and equipment (including lawn mowers, aerators and power rakes), artificial turf sections, Christmas light strings and decorations, signs advertising Christmas decorating services, other tools and supplies, and other miscellaneous property. Condition of all items is unknown - items sold “AS IS”. All units may not be available on the day of the sale. We reserve the right to refuse any and all bids. Winning bidders must pay cash or credit card (With Valid ID) immediately following the sale. There will be a refundable $100 cleaning deposit on all units. Sale is subject to cancellation. Published in The CS Gazette December 21, 24, and 31, 2017

NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. EPC201700397 To: Record Owner of the property as of the recording of the Notice of Election and Demand or other person entitled. You are advised that there are overbid funds due you. This Notice is given with regard to the following described Deed of Trust and Notice of Election and Demand: Name of Record Owner as evidenced on the Notice of Election and Demand or other person entitled PATRICIA C. CLANCY and DENNIS A. CLANCY Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest 3075 COMMODORE DRIVE, COLORADO SPRINGS, CO 80920--4453 Recording Date of Deed of Trust April 30, 2007 Recording Information 207057459 Recording Date of Notice of Election and Demand May 02, 2017 Recording Information of Notice of Election and Demand 217050160 Legal Description of Property LOT 7, IN BLOCK 3, WINDJAMMER AT BRIARGATE FILING NO. 4, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK T-3 AT PAGE 41. Street Address of Property 3075 COMMODORE DRIVE, COLORADO SPRINGS, CO 80920-4453 NOTICE OF UNCLAIMED OVERBID FUNDS I sold at public auction, at 10:00 on 8/30/17, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within six months from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part of the “Unclaimed Property Act”, pursuant to Colorado law. First Publication 12/10/17 Last Publication 1/7/18 Name of Publication The Gazette Date: 10/31/17 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee ©Public Trustees’ Association of Colorado Revised 9/2012 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700860 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 20, 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) ERIC F. SANDOVAL Original Beneficiary(ies) PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust March 06, 2008 County of Recording El Paso Recording Date of Deed of Trust March 07, 2008 Recording Information (Reception No. and/ or Book/Page No.) 208027118 Original Principal Amount $245,065.00 Outstanding Principal Balance $208,171.13 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, BLOCK 8, FOREST MEADOWS FILING NO.1, AS AMENDED BY AFFIDAVIT OF CORRECTION RECORDED AUGUST 7, 2006 AT RECEPTION NO. 206116243, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 7658 CHASEWOOD LOOP, COLORADO SPRINGS, CO 80908. 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, 02/21/2018, 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 12/24/2017 Last Publication 1/21/2018 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: 10/20/2017 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 # 17-016836 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

SUNDAY, DECEMBER 31, 2017 ❘ THE GAZETTE ❘ SH 7

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700843 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 16, 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) GARLAND R JOHNSON and BRIDGET L JOHNSON Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for CTX MORTGAGE COMPANY, LLC Current Holder of Evidence of Debt GSAA HOME EQUITY TRUST 2006-5, ASSET-BACKED CERTIFICATES SERIES 20065, U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE Date of Deed of Trust July 05, 2005 County of Recording El Paso Recording Date of Deed of Trust July 13, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205105652 Original Principal Amount $156,000.00 Outstanding Principal Balance $145,976.59 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 37 IN BLOCK 12 IN DELIVERANCE SUBDIVISION FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3005 DUBLIN BLVD, 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, 02/14/2018, 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 12/17/2017 Last Publication 1/14/2018 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: 10/16/2017 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 # 00000006978761 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. EPC201700901 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 31, 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) JASON A FREY and MARLA K HOLLAND Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MILA, INC., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt WELLS FARGO BANK, N.A., AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST, SERIES 2006-RFC1, ASSET-BACKED PASSTHROUGH CERTIFICATES Date of Deed of Trust March 07, 2006 County of Recording El Paso Recording Date of Deed of Trust March 14, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206037025 Original Principal Amount $140,000.00 Outstanding Principal Balance $133,252.18 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 54 IN BLOCK 2 IN GARDEN RANCH SUBDIVISION, SHADOW GLEN NO. 3, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4728 SHADOWGLEN 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, 02/28/2018, 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 12/31/2017 Last Publication 1/28/2018 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: 10/31/2017 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 # 17-016907 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. EPC201700896 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 30, 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) ROBERT MATTHEW KASHNER Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. as nominee for MORTGAGE SOLUTIONS OF COLORADO, LLC, its successors and assigns Current Holder of Evidence of Debt BANK OF AMERICA, N.A. Date of Deed of Trust April 15, 2009 County of Recording El Paso Recording Date of Deed of Trust April 20, 2009 Recording Information (Reception No. and/ or Book/Page No.) 209040343 Original Principal Amount $217,579.00 Outstanding Principal Balance $219,373.88 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 3, BLOCK 27, FOREST MEADOWS FILING NO. 1, AS AMENDED BY AFFIDAVIT OF CORRECTION RECORDED AUGUST 7, 2006 AT RECEPTION NO. 206116243, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7327 QUAKING ASPEN TRAIL, COLORADO SPRINGS, CO 80908. 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, 02/28/2018, 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 12/31/2017 Last Publication 1/28/2018 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: 10/30/2017 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 # 17-014265 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. EPC201700824 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 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) DON A SCHNEIDER and NONA L SCHNEIDER Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for CTX MORTGAGE COMPANY, LLC Current Holder of Evidence of Debt NATIONSTAR MORTGAGE LLC D/B/A MR.COOPER Date of Deed of Trust December 15, 2006 County of Recording El Paso Recording Date of Deed of Trust December 20, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206184697 Original Principal Amount $333,500.00 Outstanding Principal Balance $354,747.35 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 1, BARGER SUBDIVISION, COUNTY OF EL PASO, STATE OF COLORADO. PURSUANT TO AFFIDAVIT OF SCRIVENER’S ERROR RECORDED MARCH 5, 2013 AT RECEPTION NO. 213028825 Also known by street and number as: 14125 EASTONVILLE ROAD, ELBERT, CO 80106. 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, 02/07/2018, 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 12/10/2017 Last Publication 1/7/2018 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: 10/06/2017 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: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street, Denver, CO 80204 (303) 3503711 Attorney File # 00000006901219 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. EPC201700811 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 3, 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) Clarence Bachmeier and Sonja Bachmeier Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Countrywide Home Loans, Inc. Current Holder of Evidence of Debt Yakte Properties, LLC Date of Deed of Trust May 10, 2006 County of Recording El Paso Recording Date of Deed of Trust May 22, 2006 Recording Information (Reception No. and/ or Book/Page No.) 206073869 Original Principal Amount $115,000.00 Outstanding Principal Balance $114,671.00 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 SHILOH RANCH ESTATES FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 18975 Shiloh Ranch Dr, Colorado Springs, CO 80908. 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, 01/31/2018, 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 12/3/2017 Last Publication 12/31/2017 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: 10/03/2017 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: Lisa Cancanon #42043 Weinstein & Riley, P.S. 11101 West 120th Ave., Suite 280, Broomfield, CO 80021 (303) 539-8601 Attorney File # 47461492 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 - RESTART PUBLICATION CRS §38-38-109(2)(b)(II) FORECLOSURE SALE NO. EPC201700538 Republished to restart foreclosure stayed by bankruptcy and reset sale date. To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 27, 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) POLLY J. GOODWIN and TIMOTHY J. GOODWIN Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as nominee for PRIMARY RESIDENTIAL MORTGAGE, INC. Current Holder of Evidence of Debt PENNYMAC LOAN SERVICES, LLC Date of Deed of Trust May 15, 2015 County of Recording El Paso Recording Date of Deed of Trust May 18, 2015 Recording Information (Reception No. and/ or Book/Page No.) 215048973 Original Principal Amount $313,500.00 Outstanding Principal Balance $304,751.53 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. PLEASE SEE ATTACHED LEGAL DESCRIPTION That portion of the Northeast quarter of the Southeast quarter of Section 17 in Township 12 South, Range 65 West of the 6th P.M., described as follows: Beginning at the Northwest corner of the Northeast quarter of the Southeast quarter of said Section 17; thence South on the West line of the Northeast quarter of said Section 17 a distance 330 feet; thence East at right angles a distance of 264 feet; thence North parallel with the West line of the Northeast quarter of the Southeast quarter of said Section 17 a distance of 330 feet to intersect the North line of the Northeast quarter of the Southeast quarter of said Section 17; thence West of the said North line a distance of 264 feet to the point of beginning; except the South 20 feet thereof which is to be used for a permanent road, County of El Paso, State of Colorado. Also known by street and number as: 7550 CARVER LANE, COLORADO SPRINGS, CO 80908. 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, 02/28/2018, 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 12/31/2017 Last Publication 1/28/2018 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: 10/27/2017 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 # 00000006806731 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. EPC201700825 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 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) ROBERT L. STANLEY and JOSEPHINE E. STANLEY Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for lender, ACOUSTIC HOME LOANS, LLC Current Holder of Evidence of Debt U.S. BANK, N.A., SUCCESSOR TRUSTEE TO LASALLE BANK NATIONAL ASSOCIATION, ON BEHALF OF THE HOLDERS OF BEAR STEARNS ASSET BACKED SECURITIES I TRUST 2006HE1, ASSET-BACKED CERTIFICATES SERIES 2006-HE1 Date of Deed of Trust August 24, 2005 County of Recording El Paso Recording Date of Deed of Trust September 14, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205144144 January 14, 2011 Re-Recording Information (Reception No. and/or Book/Page No.) 211005237 Re-Recording Date of Deed of Trust Original Principal Amount $158,400.00 Outstanding Principal Balance $166,605.03 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, IN BLOCK 2, IN GARDEN RANCH SUBDIVISION, SHADOW GLEN, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. **THIS LOAN HAS BEEN MODIFIED THROUGH A LOAN MODIFICATION AGREEMENT EFFECTIVE DATE DECEMBER 1, 2012. Also known by street and number as: 2830 SHADOWGLEN 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, 02/07/2018, 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 12/10/2017 Last Publication 1/7/2018 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: 10/06/2017 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: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-922-30185 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. EPC201700821 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 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) Jose E Leon Original Beneficiary(ies) Washington Mutual Bank, FA Current Holder of Evidence of Debt JPMorgan Chase Bank, National Association Date of Deed of Trust June 10, 2005 County of Recording El Paso Recording Date of Deed of Trust June 17, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205090537 Original Principal Amount $712,500.00 Outstanding Principal Balance $601,121.83 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. See Attached Legal Description: PARCEL 1: THE NORTHEAST 1/4 OF THE SOUTHEAST 1/4 OF SECTION 18, TOWNSHIP 12 SOUTH, RANGE 64 WEST OF THE 6TH P.M., COUNTY OF EL PASO, STATE OF COLORADO. PARCEL 2: A NON-EXCLUSIVE 60.00 FOOT WIDE INGRESS AND EGRESS EASEMENT BEING 30.00 FEET ON BOTH SIDES OF THE FOLLOWING DESCRIBED CENTERLINE: BEGINNING AT THE NORTHWEST CORNER OF THE NORTHEAST 1/4 OF THE SOUTHEAST 1/4 OF SAID SECTION 18, TOWNSHIP 12 SOUTH, RANGE 64 WEST OF THE 6TH P.M., EL PASO COUNTY, COLORADO; THENCE NORTH 89 DEGREE 45’01” WEST ON THE NORTH LINE OF THE SOUTH 1/2 OF SAID SECTION 18, 3,787.64 FEET TO A POINT ON THE WEST LINE OF SECTION 18 AND THE TERMINUS OF THIS CENTERLINE DESCRIPTION, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 12085 North Meridian 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, 02/07/2018, 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 12/10/2017 Last Publication 1/7/2018 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: 10/05/2017 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: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-781343-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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700842 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 16, 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) JACOB D. BROWN and FRANKIE L. HARRINGTON 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 November 20, 2015 County of Recording El Paso Recording Date of Deed of Trust November 23, 2015 Recording Information (Reception No. and/ or Book/Page No.) 215126802 August 29, 2016 Re-Recording Information (Reception No. and/or Book/Page No.) 216097536 Re-Recording Date of Deed of Trust Original Principal Amount $155,138.00 Outstanding Principal Balance $151,775.77 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 72, IN AMENDED SAGECREEK SOUTH, FILING NO. 3, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 5855 WHITING WAY, 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, 02/14/2018, 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 12/17/2017 Last Publication 1/14/2018 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: 10/16/2017 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 # 17-089-30188 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. EPC201700850 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 17, 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) IVAN H GIRARD III Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Countrywide Home Loans, Inc. Current Holder of Evidence of Debt YAKTE PROPERTIES, LLC Date of Deed of Trust June 24, 2005 County of Recording El Paso Recording Date of Deed of Trust July 01, 2005 Recording Information (Reception No. and/ or Book/Page No.) 205098696 Original Principal Amount $30,000.00 Outstanding Principal Balance $29,083.33 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 16, PEAK VIEW RIDGE AMENDMENT NO.1, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 17135 MOUNTAIN LAKE DR, 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, 02/14/2018, 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 12/17/2017 Last Publication 1/14/2018 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: 10/17/2017 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: Lisa Cancanon #42043 Weinstein & Riley, P.S. 11101 West 120th Ave., Suite 280, Broomfield, CO 80021 (303) 539-8601 Attorney File # 47461488 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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