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FRIDAY, JANUARY 6, 2017 ISSUE # 325213 | $1.25 PER COPY USPS 145-100

UPDATED DAILY

www.thebusinessjournal.com

JANUARY 6, 2017

THE FOCUS | 8

THE EXECUTIVE PROFILE | 9

THE LIST | 10

Placement Pros tops the list of Staffing Services

Agriculture• An early look at the water year

Panos JouliosPresidentWowza & Whirld Concepts, Inc.

This Week Online 6People on the Move 12Leads 15-16Public Notices 17-25Opinion 26

Around Town | 3

Wal-Mart | 5

Gabriel Dillard – MANAGING EDITOR

ANNIVERSARY

ANNIVERSRSRS

RRRRRARARARARARAAYYYYYYYYYYYY

thebusinessjournal.com

With the turn of the New Year comes another milestone for our company — the 25th anniversary of The Business Journal.

It was back in 1992 when Publisher Gordon M. Webster, Jr. converted The Fresno Daily Report — a vehicle

for legal advertising — into The Business Journal. With the move came a newsroom built from the ground up, and a business-to-business perspective on news from Fresno, Kings, Madera and Tulare counties.

It set a new course for the business, which was originally founded by

Webster’s great-grandfather Morris Shelby Webster in 1888.

We are marking 2017 with a new logo at the top of our front page, as well as plans for a 25th anniversary special issue at the end of March. For The Business Journal’s 20th anniversary in 2012, we published our “Central Valley

Legends” supplement to honor the top 20 business legends in the Central Valley.

This year, we want to use our anniversary to highlight other longtime businesses in the region. If you have any suggestions on how we should do that, please contact me at 559-490-3467 or gabriel@thebusinessjournal.com.

Editor’s Note On our 25th year of local business news

Bay Area chain KoJa Kitchen rang in the New Year with a Grand Opening at its newest location at 7785 N. Palm in Fresno’s Park Place at Palm Bluffs shopping center.

KoJa stands for Korean-Japanese, and the restaurant offers a fusion of flavors from both cultures. Its most popular dish is a gourmet sandwich, called KoJa, which is similar to a burger, but includes a choice of meat served between fried garlic rice buns.

The restaurant also serves rice bowls with various choices of meat and veggies, as well as tacos and salads. Side dishes include Buffalo wings and KoJa

Bay Area chain brings Korean-Japanese fusion to FresnoValerie Shelton – STAFF WRITER

PHOTO BY VALERIE SHELTON | A space at Fresno’s Park Place at Palm Bluffs shopping center has been taken by Bay Area restaurant chain KoJa kitchen, which features a fusion of Korean and Japanese cuisine.

After battling with determined opponents for almost a decade, Wal-Mart and the City of Porterville have been given the green light to build a planned superstore. Earlier this fall the opponents settled with the defendants. Sources say the company will not open the big store that sells both groceries

PortervilleSuper Wal-Martto open next year

John Lindt – CONTRIBUTING WRITER History is in the making with the pending maiden voyage of the world’s largest aircraft, and local architect Teter AE had a hand in the project.

Ae r o s pa c e c om pa ny Scaled Composites began work some five years ago on its Stratolaunch Carrier plane, nicknamed the Roc, designed to deliver rockets

Teter AE project touches next phase of spaceflight

IMAGE VIA WALLACE AND SMITH | The T Hangar, designed by Fresno architecture firm Teter AE, is 420 feet from wall to wall and 97-foot tall at the ridge line. In addition, it has approximately 6,100 square feet of mezzanine storage, a 1,200 square-foot flight simulation room and two remote restrooms.Teter | 5

Ben Keller – CONTRIBUTING WRITER

2 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

www.suncrestbank.com

Fresno Branch663 W Nees Ave.(559) 225-1700

Same Friendly FacesThe friendly faces that greet you at the bank won’t change and neither will their commitment to providing the highest levels of personal service.

Unique Checking AccountWe will be offering Suncrest’s innovativeKasasa High Interest account. Look out forthe account soon!

Higher Lending LimitsThe partnership will allow our new bank to serve a wider range of local businesses with the ability to offer loans up to $14 million to qualified borrowers.

Increased Community Re-investmentBoth Security First Bank and Suncrest Bank passionately believe in re-investing profits backinto our local communities.

Locally ManagedThe new bank will continue to be led by a local Market President supported by a local Board,with decisions made right here in Fresno.

Focused on AgribusinessCombined with Suncrest’s Agribusiness Division,the new bank will be one of the strongest ag lenders in the region, with deep local knowledge and highly competitive products.

Better together.Security First Bank and Suncrest Bank are

uniting to better serve the Fresno community.

FRIDAY, JANUARY 26, 2017 www.thebusinessjournal.com 3

Around Town | 4

Around Town | from 1

Matt and Mike DeFendis

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Kitchen’s famous Kamikaze fries — crisscut waffle fries, minced Korean barbecue beef, kimchi, Japanese mayonnaise, red sauce and green onions.

KoJa Kitchen began serving its Korean-Japanese grub from a food truck in the San Francisco Bay area in 2011. Its popularity made it a feature on two Food Network shows: Diners, Drive-ins and Dives and Eat Street. KoJa Kitchen opened its first brick-and-mortar restaurant in 2014 and now boasts five locations in the Bay Area.

“The original lunch truck grew into a location in Berkeley and multiple Bay Area locations came from that,” Tom Lai, co-owner of the Fresno franchise, said. “KoJa is a very trendy food now, and we went this far out because we think Fresno is ready. It’s a new market but we expect it to be successful. All our reviews are 5-star so far.”

Lai and partners Mike Nguyen and Van Ngo are not the founders of KoJa Kitchen, but wanted to open a franchise because Korean-Japanese infused cuisine intrigued them.

“KoJa has been popular the last two years and we were looking for a good restaurant to open, and I fell in love with KoJa right away,” Lai said. “It is a great marriage of the two foods, with Japanese cuisine being sweeter and the Korean kimchi adding to that for a good balance of flavors.”

The Fresno location is the first KoJa Kitchen outside of the Bay Area, but there are plans to open locations in Rocklin and Los Angeles/Irvine this year.

KoJa Kitchen’s space in the Park Place shopping center has seen a lot of turnover the past few years. Previous tenants include Capo’s Italian Restaurant, The Venue, and Twist Restaurant.

Lee Brand took his official oath of office Tuesday morning in the Fresno Council Chamber lobby, and used his brief remarks to highlight his focus on economic development. Brand said he plans to continue efforts toward job creation and economic expansion with business-friendly policies put in place by Mayor Ashley Swearengin and her predecessors.

“The economic expansion plan is a blueprint for job growth to bring thousands of jobs to Fresno,” Brand said. “The recent interest from Ulta and Amazon to consider e-commerce here is a direct result of performance based economic expansion. It’s a very progressive, smart way to grow jobs but we need to advertise that so we’re working on branding and marketing

to get the word out across the country to the business world that Fresno is business friendly.

“Fresno is welcoming businesses here whether they be a large business like Amazon or the guy across the street who wants to open a sandwich shop. We’re going to try to make business easy for everyone.”

Brand also spoke about some of the objectives he hopes to accomplish as mayor. Out of the gate, Brand said his administration plans to approach the council about establishing an effective rental housing inspection program. Creating and implementing a community public safety advisory board is also at the top of Brand’s list.

PHOTO BY VALERIE SHELTON | Newly minted Fresno Mayor Lee Brand speaks about some of his plans during a swearing in ceremony Tuesday.

Business on the mind of Fresno Mayor Lee Brand

Valerie Shelton – STAFF WRITER

Valerie Shelton | Reporter can be reached at:490-3461 or e-mail valerie@thebusinessjournal.com

4 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

Lai said the spot was selected because it’s in a newer area with plenty of traffic thanks to anchor tenant GB3. Lai also said the food available at KoJa caters to the area’s demographic.

Lai relocated to Fresno from the Bay Area to help run the franchise and said the Central Valley city is a good place to do business.

“I enjoy the people here, and Fresno is bigger than I expected,” Lai said. “In terms of business itself, Fresno has really good opportunity.”

Raw Earth Juicery offers Fresnans fast, healthy option

There’s a new option in north Fresno for those who have made the popular New Year’s resolution to eat healthy.

Raw Earth Juicery, located in the Parkwood Plaza Shopping Center on the northeast corner of Cedar and Nees avenues, opened its doors to instant success last month.

O w n e r R i c k Rosales said the juicery’s fresh cold-pressed ju ices , s m o o t h i e s a n d organic fruit and granola bowls have sold out nea rly every day since the opening.

“ I t ’ s b e e n over whelm ing,” Rosales said of the support. “So many people are coming i n , a n d w e ’ r e meeting all these new people from the local neighborhoods in Fresno and Clovis. They’ve been buying everything up and we’ve been selling out of our juice. We make fresh juice every day, and we always sell out of it sometime between noon and 2 p.m.

“The demand is really strong. More people are becoming sophisticated about the choices they make when it comes to their lifestyle and eating habits.”

Rosales credits the power of social media coupled with word-of-mouth for the steady stream of new customers coming in to taste the variety of fruit juices made each day.

More and more, Rosales said he is seeing people become increasingly concerned with their health and wellness, but for many it’s a constant struggle to eat healthy when you have a busy lifestyle that keeps you on the go. Raw Earth Juicery, he said, fills a void for those wanting something quick that is not only a healthy alternative to fast food, but is as healthy as you can get.

“What really sets us apart is we are the first place in town committed to being 100 percent non-GMO and over 90 percent of our ingredients are 100 percent organic,” Rosales said. “We also make all of our juice fresh daily

and the smoothies. If you order a smoothie, the almond milk that goes in the smoothie is made here from scratch. We make two or three fresh batches every day and we just can’t keep enough on the shelf. The same with the orange juice and the apple juice; we press fresh every day.”

While there are other places in town to get a refreshing smoothie, Rosales said few people know that ingredients, like almond milk, used at other establishments are store-bought and therefore contain preservatives that can be concerning for those wanting to avoid GMOs.

The reason why so few “juice bars” make everything from scratch is clear—not only is the shelf life limited without preservatives but it takes a long time to make fresh juice from scratch. Raw Earth Juicery’s employees take 30 to 45 minutes just to make 15 bottles of fresh cold-pressed juice. To Rosales, the time it takes is well worth it.

“ T h e m a i n reason I did this is to help people,” R o s a l e s s a i d . “ I love to help people , and my favorite part about t he ex per ience so far is making p e o p l e h a p p y. P e o p l e a r e s o happy that finally there is a place to go where they can get healthy, fresh, cold-pressed organic juices and smoothies. And the

best part is we’re helping people make healthier choices.”

U-Haul expands in Fresno and Clovis

Three local shops recently signed on as U-Haul neighborhood dealers.

Fat Boys Tires at 4595 E. Shields in Fresno, Parkway Auto Body at 3661 N. Parkway Drive in Fresno, and Car Team Service at 984 W. Shaw in Clovis, all began offering U-Haul trucks, towing equipment and support rental items at the end of 2016.

U-Haul representative Paige Brown said the area expansion in do-it-yourself moving and self-storage will better meet the demands in Fresno County.

In addition to better serving its customers, Brown said U-Haul and its partners are striving to benefit the environment through sustainability initiatives like truck sharing.

“Every U-Haul truck placed in a community helps keep 19 personally owned large-capacity vehicles , pickups, SUVs and vans off the road,” Brown said. “Fewer vehicles mean less traffic congestion, less pollution, less fuel burned and cleaner air.”

Valerie Shelton | Reporter can be reached at:490-3461 or e-mail valerie@thebusinessjournal.com

Around Town | from 3

54TH ANNUAL

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Patrick James at Fig Garden Village

30%-70% OFF

SHOP PATRICKJAMES.COM FOR ADDITIONAL SALE MERCHANDISE

Not all manufacturers, styles and sizes are available in all Patrick James stores. Not valid with gift card, any other promotion, special orders and no adjustment on prior purchases.

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“What really sets us apart is we are the first place in town

committed to being 100 percent non-GMO and over

90 percent of our ingredients are 100 percent organic.”

Rick Rosales,Owner

Raw Earth Juicery

FRIDAY, JANUARY 26, 2017 www.thebusinessjournal.com 5

Walmart | from 1

and general merchandise until the 4th quarter of 2018.

Spencer’s Gifts to open in Visalia Mall

Spencer’s Gifts will open at the Visalia Mall this year, adding to stores in Fresno and Hanford.

Spencer Spirit Holdings, Inc., is a lifestyle retail company that operates two unique, national brands, Spencer's and Spirit Halloween, throughout the United States, Canada and online.

Spencer's ca l ls itsel f a ma l l dest ination for enterta inment , excitement and fun. “For over 65 years we have been offering unique product for the lifestyle of our core

18-24 year old guests, who are high energy, technologically savvy, edgy, demanding, independent and always inspired by humor and irreverence,” according to the retailer. Spencer's operates more than 650 stores.

Developer acquires former Visalia Longs Drugs

Los Angeles developer Dave Paynter has acquired the former Longs Drugs building behind the Sequoia Mall off Caldwell Avenue in Visalia.

“I don’t have an immediate plan for the property, but it made sense to own it as part of what I want to do at the Sequoia Mall.” Paynter owns several shopping centers in Visalia that are mostly fully developed, but has yet to reveal plans to remake the Sequoia

Mall. He bought the 28,320-square-foot former drug store building from CVS.

Hanford JC Penney will add Sephora Beauty

The Hanford JC Penney will add a new Sephora beauty store inside the department store this year. JC Penney already has almost 600 Sephora stores around the country, including Visalia and Fresno, and now the well known brand will be opening in Hanford, said JC Penney General Manager Tom Lyon. “We expect them to start construction inside the store in February and be open by Mothers Day.”

Lyon said the new addition “ is very good news for the Hanford store” since the high-end makeup company

has “such a popular line of beauty products — items we don’t have now.”

Lyon says the new line “is a way for us to capture new business including attracting more millennials here.” Sephora will add its own employees to staff the store that will carry the signature look of the chain. Sephora inside JC Penney stores feature the Beauty Studio, Sephora’s exclusive destination for free one-on-one beauty sessions with experts.

Lyon says the Hanford JC Penney “had a vey good Christmas.” Asked if the Hanford store might be in line for an upgraded appliance section as is being done in other locations, Lyon said, “it’s not for sure yet but there is a very good chance we will get that addition as well.”

high into the atmosphere where they can more easily launch satellites into orbit.

With construction wrapping up in the Mojave Air and Space Port in Southern California, the plane will boast a 385-foot wingspan, exceeding the 1947 record set by Howard Hughes’ H-4 Hercules, better known as the Spruce Goose, by 65 feet.

The venture has already set another record with the 97,000 square-foot assembly hangar housing the structure.

Built by Wallace and Smith of Bakersfield in 2012, the hangar was erected with an attached 20,000 square-foot office and was joined by an adjacent 88,000 square-foot fabrication facility.

The company tapped Fresno-based Teter AE to design the buildings, both of which were completed two months ahead of schedule.

“We’ve been working with them for about 15 years,” said Teter senior partner Clay Davis, who oversaw

design work for the project. “We have a great relationship with them and they got us involved in this project.”

The T Hangar is 420 feet from wall to wall and 97-foot tall at the ridge line. In addition, it has approximately 6,100 square feet of mezzanine storage, a 1,200 square-foot flight simulation room and two remote restrooms.

Providing a 420-foot opening for the aircraft is a mega door made up of seven individual doors, all controlled by a touch screen system that has wireless access.

The fabrication facility used to make parts for the aircraft includes 14,000 square feet of mezzanine storage, 8,000 square feet of office space, a break room, and a 5,000 square-foot temperature and humidity controlled refrigeration room for “lay-up” of composite parts.

“It was a little bit of a learning curve,” Davis said. “We hadn’t done a hangar before but we’ve done metal building for clients so it’s just that on a larger scale.”

The Stratolaunch Carrier will soon

spend much more of its time outside of the hangar, however.

Stratolaunch Systems, a company born from Microsoft co-founder Paul Allen and Scaled Composites founder Burt Rutan (who was raised in Dinuba), said it plans to begin flight testing the craft early this year. The first operational launch is expected to commence in 2018 when the plane will deliver its rocket to 30,000 feet before sending it into Earth's orbit.

L a st October, St ratolau nch announced a multi-year partnership with Orbital ATK, with plans to use the company’s Pegasus XL rockets to deliver the payload for the plane. Stratolaunch parted ways with both SpaceX and its Falcon 9 Air in 2012 over incompatible designs.

Funding for the project is being prov ided by A l len’s compa ny Vulcan Aerospace as part of its vision to increase the frequency and affordability of going to space.

As opposed to launching from the ground, the airlaunch system is intended to provide orbital access to space with greater safety, cost

Teter | from 5

effectiveness and flexibility.Besides the space for Scaled

Composites, Teter also designed a 56,600 square-foot hangar space for Virgin Galactic, as well as an adjoining two-story office of 8,400 square feet.

The structure, completed in 2011, is being used by Virgin to assemble and upgrade its latest spaceplanes, including the VSS Unity, which is currently undergoing flight testing.

“In addition, everybody that is paying to go up in flight, that’s where they will go to train before they go into space flight,” Davis said.

The project also stands out as one of two LEED (Leadership in Energy and Environmental Design)-certified aircraft hangars in the country thanks to various sustainable, eco-friendly and resource saving strategies.

“It’s all about energy efficiency — how much recycled content we used in construction and water reduction usage,” Davis said. “It’s a pretty energy efficient building.”

Stratolaunch and Virgin Galactic are among a new wave of aerospace-centered companies doing work inside the Mojave Air and Space Port. In all, some 60 tenants are located within the 3,300-acre property, including Orbital ATK, BAE Systems, Interorbital Systems, The Spaceship Company and XCOR Aerospace.

“We talked to others about doing projects but it’s like an anthill. You don’t know what’s going on behind the scenes,” Davis said.

“We’re still kind of a fixture out there,” he added. “Anything new of any consequence kind of goes to our team and Wallace and Smith.”

Teter was established in 1979 as Teter Consultants in Visalia. Local engineer Glen Teter focused on structural engineering services to Valley businesses until the mid-‘90s when the company launched its architectural design and consulting services, coinciding with a move to Fresno.

The firm also offers electrical and mechanical engineering, sustainable design/coordination, commissioning, building information modeling and certified access specialist surveys.

IMAGE VIA DYNETICS/STRATOLAUNCH SYSTEMS | An artist’s impression illustrates the Stratolaunch Systems carrier aircraft that is housed at the Mojave Air and Space Port in Southern California.

6 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017This Year Online

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Fresno Chamber scores local, state reps

SPORTS

Tulare resident sinks $95K shotA 30-year-old Tulare resident hit

a big-time shot at Tuesday night’s Lakers game at the Staples Center, winning $95,000 in the process.

Jerald Acoba posted video on his Facebook page of the fateful half-court shot last night as it was featured No. 10 on ESPN SportsCenter’s top 10 plays of the day. The shot bounced off the backboard and spun around the hoop before going in as part of the Aria Big Shot Jackpot sponsored by the Aria Resort & Casino in Las Vegas.

Acoba celebrated on the court with Lakers players Nick Young, Julius Randle and D’Angelo Russell after the shot, according to a report from the team.

Acoba sa id he pla ns to buy his mother a new car with the winnings. He said her current van has gotten old and needs an upgrade.

“She’s always been there for me when I need her,” Acoba said. “She’s always there to help me out. It’s my turn to repay the favor to her.”

Acoba added that he attended the game with his wife and nieces, and was taking pictures with the Laker Girls when he was asked if he wanted to take the shot.

NONPROFIT

Reading and Beyond gets $850K grant

Reading and Beyond, a loca l non-profit that provides cradle-to-career educational programs for ch i ldren a nd pa rents , has been awarded a two-year grant of $850,000 from the James Irvine Foundation.

T he g ra nt w i l l suppor t t he organization’s efforts to expand its Bridge Academy.

Launched in 201 1 , the Bridge Academy combines comprehensive workforce development with wrap-around services for a l l family members of CalFresh beneficiaries who wish to transition to self-rel ia nce . T here a re current ly n i ne sites t h roug hout Fresno County where career and family navigators serve families in those communities. To date, 2,400 Fresno families have been enrolled in the 18-month program.

Reading and Beyond is actively seeking to help other counties repl icate the Br idge Academy model. It has provided guidance, program oversight and technical assistance to Madera, San Joaquin and Napa counties. The James Irvine Foundation grant will enable Reading and Beyond to continue providing this support.

“The James Irvine Foundation has been a great partner,” Pete Weber, founder of the Br idge Academy, said in a statement. “They

helped us launch the program. They recognized us as a 2016 leadership award winner, and now they are helping us replicate the model in other California counties.

REAL ESTATE

Valley home prices perk up in November

Home prices in the Central Valley continued to improve in November, according to new data from real estate tracking firm CoreLogic.

Home prices in Fresno, including

distressed sales, were up by 5.9 percent in November compared to last year, and also up 0.5 percent month-over-month.

In the Hanford-Corcoran region, home prices were up 6.3 percent in November compared to last year, and also up 0.5 percent month-over-month.

In Madera, home prices were up 9.8 percent in November over last year, but fell 0.1 percent month-over-month.

In the Visalia-Porterville area, pr ices were up 7. 4 percent i n November compared to last year, and also up 0.3 percent month-

over-month.Nationally, home prices were up

7.1 percent in November compared to last year, and up 1 . 1 percent month-over month.

T he CoreL og ic Home P r ice I ndex Foreca st i nd icates t hat home prices will increase by 4.7 percent on a year-over-year basis from November 2016 to November 2017, and on a month-over-month basis home prices are expected to increase by 0.1 percent from November 2016 to December 2016.

"Last summer's very low mortgage rates sparked demand, and with for-sale inventories low, the result has been a pickup in home-price growth," said Dr. Frank Nothaft, chief economist for CoreLogic. "With mortgage rates higher today and expected to rise even further in 2017, our national Home Price Index is expected to slow to 4.7 percent year over year by November 2017."

RETAIL

Dusty Buns goes BKDusty Buns Bistro, the pioneering

Fresno food truck turned brick-and-mortar restaurant, has closed.

The closure was announced with a poem posted to the door of the bistro across the street from Fresno High School. A second restaurant in San Francisco has also apparently been shuttered.

The note — which states that a grand re-opening will be coming soon — reads, in part:

Thanks to Crew & Kin/Fresno/S a n F r a n c i s c o / E v e r y w h e r e between/An honor it’s been/Soon we’ll begin again

M a r r ied couple D u st i n a nd Kristen Stewart began the business in 2009 with a food truck that became a staple at local farmers ma rkets a nd events in Fresno and eventua l ly San Francisco. The Stewarts opened the Fresno restaurant in 2012 , and the San Francisco location in early 2015.

K now n for lo c a l ly s ou rce d i ng red ients a nd scratch-made fare, Dusty Buns quickly made a name for itself as a haven for local foodies.

Messages left for the Stewarts were not returned.

As early as March of this year, the Stewarts were planning to build a 2,500-square-foot production and commissary space for the business in Downtown Fresno’s Warehouse Row. They also planned to open a restaurant in the former Charlotte’s BakerEatery Tower District location that become vacant in April.

Casa de Ta ma les event ua l ly opened a store in that space.

It appears f inancial problems played a role in the business closure, as Dusty Buns also filed a petition for bankruptcy protection last week. The Chapter 7 liquidation filing lists total liabilities for the business of nearly $900,000.

FILE PHOTO | The Fresno Chamber of Commerce has released its annual report card of local and state elected officials.

The Fresno Chamber of Commerce has released its annual Legislative Report Card for elected officials on the local and state level.

The Chamber’s Government Affairs Council scored the officials for their votes on issues related to business. For the Fresno City Council, these included nine votes such as Lee Brand’s Economic Expansion Act, a development impact fee waiver for commercial buildings, a $250,000 deposit to secure rights to purchase land needed for a high-speed rail heavy maintenance facility and a project labor agreement tied to a $70 million Transformative Climate Communities grant from the state.

Council members Lee Brand, Steve Brandau, Paul Caprioglio, Clint Olivier and Esmeralda Soria each scored 88 percent in the Fresno Legislative Report Card, while Oliver Baines and Sal Quintero scored 75 percent.

On the state level, the chamber scored the Sacramento legislature on 115 issues, only a handful of which made it to a vote. These include overtime for ag workers, indoor heat regulations, a flex work week and a state-run retirement savings program.

Senator Andy Vidak and Assemblymember Jim Patterson carried perfect 100-percent scores from the chamber, while Senator Tom Berryhill scored 88 percent and Senator Anthony Cannella scored 82 percent.

Assemblymember Joaquin Arambula had a 44 percent score, though the chamber noted that Arambula was a member for just 16 of the votes.

FRIDAY, JANUARY 6, 2017 www.thebusinessjournal.com 7

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A P R I L 2 3 - 2 8

The Great Trains and Grand Canyons

(FEATURING 5 NIGHTS IN SEDONA)

For many, the great American dream includes opening your own business or “hanging your own shingle” as a consultant or freelancer. If you have an idea for a company that you believe could be successful and want to pursue this dream, it is important to do your homework.

There are important steps that every small business owner must take — they include:

• Identifying an opportunity in the market

• Researching your customers and competition

• Preparing a detailed business plan

• Choosing a company structure that is right for you

Being financially prepared is another crucial prerequisite to becoming a successful entrepreneur and it starts with a solid financial plan.

Create a financial strategy

If you’re serious about becoming a small business owner, it should be considered a financial goal like any other, such as retirement. It is important to develop a strategy for funding the company over time. A business that lacks a sound financial base may have a higher risk of failing. For greater success, estimate not only your startup costs, but the amount of money you’ll need to fund the company for the next three to five years. Depending on your plans, these costs may be significant.

When striking out on their own, many self-starters optimistically believe that the business will generate enough income to meet their needs and expectations, and even help them expand their lifestyle one day. While this is a worthy goal, be conservative in your initial projections. It isn’t unusual for a business to lose money in the early stages. You need to have sufficient cash in place to support your personal financial needs while you work to make the company profitable.

Where to find the moneyIt is important to establish a

dedicated pool of savings to help finance your new venture. To start, consider setting money aside from each paycheck for this purpose. Determine how much you can

Planning to start a business? Start saving

afford to save each month and how long it will take to build cash to meet your goals. If anything, err on the high side when projecting how much money you need to save before you open the doors to your business. If it’s practical, consider establishing your business on a part-time basis before you quit your day job. This lets you test your ideas, make modifications and build a base of customers while also maintaining a stronger financial position.

As you’re putting money away for your future business, make it a priority to continue saving for retirement as well as into

your emergency fund. If you do, you will likely have stronger financial security in the event that anything happens to your new company’s revenue.

If capital is required to finance your startup, you may need to borrow money. Be cautious as you consider your borrowing options. It adds another level of financial risk to your plan. You must be confident that you can stay current with your loan repayment schedule. A good place to learn more about borrowing options is the

Small Business Administration website (www.sba.gov). Also be careful about using personal assets (such as your home) as collateral to fund your business ambitions. If possible, you want to keep your personal and business assets separate.

Remember that if you are financially prepared to make your

entrepreneurial dreams come true, you will be in a better position to withstand the difficult periods and allow the business the time necessary to grow and prosper. Talk to your financial advisor to determine the best approach to build savings dedicated to your future

business.

Nicolas Allen, CFP® is a Financial Advisor with Ameriprise Financial Services, Inc. in Fresno, CA. He specializes in fee-based financial planning and asset management strategies and has been in practice for 9 years. To contact him, consider http://www.ameripriseadvisors.com/nicolas.j.allen, (559) 490-7030 option 2, or 7433 N. First Street, Suite 102 Fresno, CA 93720.

GUEST VIEW

Nicolas Allen, CFP®

“If anything, err on the high side when projecting how

much money you need to save before you open the doors to

your business.

AgriculturePage 10 Staffing ServicesINSIDEFOCUS

January 6, 2017

RICH PEDRONCELLI & SCOTT SMITH- AP

THE LIST

California snowpack measures low, but big storms coming

(AP) — The first manual survey this year of California’s snowpack revealed Tuesday that it holds about half as much water as normal, casting a shadow on the state that’s hoping to dodge a sixth straight year of drought, officials said.

Surveyors, however, took the reading at 6,000 feet near Lake Tahoe in the Sierra Nevada as major cold and windy storms were expected to dump four to five feet of snow through Thursday in areas above 4,500 feet in Northern and Central California, while mountain areas below that could get two to three feet, forecasters said.

The storms should boost the snowpack that provides roughly a third of California’s water in normal years for drinking, farming and wildlife when it melts in warm, dry months.

What surveyors find between now and April 1 will guide state water officials in managing the water supply of the nation’s most populous, agriculture-rich state.

Electronic monitors at elevations throughout the Sierra in late December showed the overall snowpack had a water content of 72 percent.

At Tuesday’s reading at Phillips Station, the water content measured at 53 percent of normal, said Frank Gehrke, chief snow surveyor at the state Department of Water Resources.

Gehrke said the level “seems a

little gloomy” as the state tries to avoid another year of drought. But he also called it a good start because higher elevations were showing a deeper snowpack.

Gehrke also pointed out that the survey was taken at an elevation below the snowline for December’s storms.

A year ago, the snowpack was slightly above normal levels, but Gehrke recalled that the rain and snow essentially stopped in February and March, leaving the state at a nearly average year for precipitation on April 1.

“This year, it looks like (storms are) lined up off the coast and will continue to increase the snowpack,” he said as he stood on about three feet of snow.

Elsewhere, rain was falling Tuesday in the San Francisco Bay Area. Winter storm advisories will go into effect from 4 a.m. Wednesday until 4 a.m. Thursday, said Bob Benjamin, a National Weather Service forecaster.

Avalanche alerts were issued for high elevations and flooding was possible in the foothills.

A second, stronger storm system was expected to hit the region over the weekend, bringing the possibility of as much as five additional feet of snow in the Sierra Nevada.

“It looks like it’s going to be wet all week, and possibly into next week,” Benjamin said.

Southern California, which has remained relatively dry in recent months, was expected to see light showers this week, forecasters said.

At the height of the drought in 2015, snowpack surveyors stood on a dirt patch for the April 1 measurement at Phillips Station, finding the least snow since records had been taken in more than 50 years.

Gov. Jerry Brown responded by ordering residents statewide to use 25 percent less water, letting lawns turn brown — or tearing them out — and flushing toilets less often.

The drought eased last year and so did regulations.

In February, the state water board will again consider the conditions and decide whether the state needs to take a stronger stand on conservation.

“If the skies dry up, we’ll be looking at something different,” board chair

Felicia Marcus said. “We’re playing this one moment to moment.”

This winter started strong. More rain fell in October than in the same month over the past three decades, raising the state’s major reservoirs in Northern California along with hopes that the drought would soon end.

Doug Carlson, a spokesman for the state’s Department of Water Resources, said it is too early to predict if the wet weather will end the drought.

“It could change immediately and stop snowing and raining,” he said.

Smith reported from Fresno. Jocelyn Gecker contributed to this report from San Francisco.

IMAGES VIA DEPARTMENT OF WATER RESOURCES | The year’s first snow survey reveals a snowpack containing about half as much water as normal, but surveyors are hopeful a slew of winter storms will drop more into the Sierra Nevada soon.

FRIDAY, JANUARY 6, 2017 www.thebusinessjournal.com 9The Executive Profile

PRESIDENT

WOWZA & WHIRLD CONCEPTS, INC.

What you do: Oversee all operations, marketing, new development and growth of a Jamba Juice franchise.

Education: Bachelor of Science; international business (San Francisco State University)

Age: 52

Family: Wife Heidi, son Apollo, & daughter Zoe

Tell us a little about your career to your current position.Before purchasing our first stores in Fresno and becoming a Jamba Juice franchisee, I had a very successful career at Jamba Juice as a district manager in Northern California. One of my career highlights — and one I am very proud of — was being selected to help create our company’s B.O.O.S.T service standards that are now part of Jamba’s training culture. (The Fresno teams led the company in service and were the role-model franchise group that helped to write the standards).Prior to that, I worked for other high-profile hospitality companies including Starbucks, Johnny Rockets, Chevys, Il Fornaio, and a number of startups. In addition to working in the restaurant industry, my wife and I started a publishing company and a Hobby Craft store in Davis, Calif, I guess you could say I’ve always been entrepreneurial.

What drew you to Jamba Juice?My wife Heidi and I always believed in eating healthy, consuming all natural ingredients, and leading an active lifestyle ever since our children were young. This positive way of life turned into an opportunity to work with Jamba corporate, a company that shares those same values. When Jamba began franchising it was a natural fit, and also just as important for us to partner with a company that believes in giving back to the community, as we do. For instance, in our current Fresno and Clovis Jamba stores, we partner up with local charities to help raise money for schools and organizations. Our fundraising efforts have raised almost $200,000 give back this year alone.

How has the Fresno area been as far as a Jamba Juice territory?The Fresno County area has been an incredible place to do business and the local communities have been extremely welcoming and supportive. I believe the distinct difference is that families appreciate the fresh and healthy products we provide, while using all natural ingredients in our fresh juices, Acai bowls, and Classic smoothies. In my recent store visits, I have seen first-hand that health is very much top of mind in Fresno with the influx of new gyms, and people visiting us before and after workouts for their protein, and whole food smoothies.

What are your expansion plans?Our plans are to open more stores in the Fresno area, and in particular, would love to open a Jamba drive–through! If the opportunity presented itself, I would like to be on the Fresno State campus, and in Madera. Currently, we own eight Jamba Juice stores in the Fresno and Clovis areas, and employ over 150 employees.

What advice can you offer entrepreneurs interested in purchasing a franchise?Look at your relationship with your franchisor more like a partnership in achieving your paralleled goals. This mindset is critical in order to have a healthy relationship that grows and matures, because at the end of the day, it creates a win-win. The more stores you are able to open the more success you share. Choose the franchise concept you want to invest in wisely. My philosophy has always been to believe in what you do and be passionate about the brand you represent. You have to enjoy what you do every day and have fun. Otherwise, it just becomes work.

What are some important issues facing the franchise industry?Two of the biggest challenges facing our industry today are the rising costs of labor, and health care. Minimum wage is a sensitive subject, because you want to provide great wages to your team members, but it’s a balance with how aggressively it’s being mandated. To help offset, businesses must look at operating efficiencies, staffing, reducing cost of goods, and minimal price increases. Health care costs are also a concern. The more full time employees you employ, or have working over 30 hours a week, you must provide health care, as mandated by law. Again, it is a wonderful thing to be able to provide health benefits, so businesses need to figure out ways to curtail the rise in costs.

What are some causes or issues you support and why?My wife and I strongly believe in children’s education, and supporting local schools that help make a difference. Our company has initiated several years of backpack drives, donated money for gym equipment through Donors Choose, and helped create Garden Grants with Jamba corporate’s partnership. My wife Heidi is an educator, author, and illustrator and has written children’s books on matters concerning the

environment. She has voluntarily put together an educational assembly and gone to several schools in the Fresno area speaking to hundreds of kids at one time. Heidi inspired a movement in our Jamba stores to create awareness about the ocean, and also partnered up with Aquarius Aquarium (Fresno Aquarium), to raise $10,000. Making a difference in our community really matters to us.

Tell us about a mentor(s) that had a big impact on your life.I have had several great role models and mentors in my past careers, but one leader that stands out the most was meeting Howard Schultz of Starbucks. On a couple of occasions, I had the privilege to tour with him in the Bay Area, and I will never forget how passionate he was about the brand. He would ask me questions about what I thought were things that made a great company, ask me about my views on the company’s direction, and always asked about my family. My take away from Howard’s advice inspired me to always strive to be the best at what I do, and to always continue to stretch myself. At the time, Starbucks was a little known coffee company of roughly 850 stores.

What was the best advice you ever received?The best advice I ever received was to always be honest about who I am, and to continue to be genuine. If you don’t go out on a limb, you will never know the outcome of taking a chance (…and it never hurts to ask). This advice has served me well over the years and has created opportunities I could never have imagined.

What are your roots in the San Joaquin Valley?The opportunity to own Jamba Juice stores brought my wife Heidi and I to the Valley. However, my Jamba family and connections to the community are helping us grow strong roots! We couldn’t be happier owning stores in both Fresno and Clovis and really getting the chance to connect with the local communities through a shared passion.

What was your very first job and what did you learn from it?My first job was working as a barista in San Francisco’s North Beach district. It helped create a solid work ethic for me, taught me a lot about integrity, and taking pride in my work. I learned how to make great foam on cappuccinos and I now have a lifelong fascination with cannolis! Honestly, working in that cool café environment helped me understand that I wanted to be a business owner someday.

What do you like to do in your spare time?I love spending time with my family. I keep active by playing golf and exercising, and enjoy traveling. Heidi and I often talk about creating a health and wellness cultural center that focuses on the arts and offers a variety of self-enriching activities…including great food!

PANOSJOULIOS

10 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

CalChamber | 11

The List

Staffing ServicesIn the Central San Joaquin Valley - ranked by number of persons/temps assigned each week; if tied by number of recruiters.

20172016

Name of companyAddress

PhoneFax

#of personsassigned

each week

RecruitersFull-time

staff Types of positions Benefits for temps Training

Yearfoundedlocally

Person in charge/Top local executive

1(2)

Placement Pros7014 N. Cedar, Suite #104Fresno, 93720

297-0054297-0331 2,439 35

53

Temp to hire & direct hire for light industrial,manufacturing, warehouse, clerical and

management positions

8 local offices to assist withplacement, health, dental, vision,

401(k), credit union, life insurance &more

Computer softwaretraining 1989

Kimberly Smith,regional VP, Tammy

Wallace

2(NR)

Spherion Staffing2006 N. Fine, Suite 101Fresno, 93727

251-4040251-7070 450 8

12Professional & customer service, general office,

light industrial, warehouse Health care, skill developmentSkills training for careerdevelopment in variety

of disciplines1993 Glenna Gates, CEO

3(NR)

PrideStaff585 W. NeesFresno, 93711

432-2022432-1327 400 15

15Accounting, financial, general labor, warehouse,

clericalMedical, dental, vision, holiday pay,

401(k) Online tutorials 1978 Sean Akin , strategicpartner

4(NR)

Maxim Health Services6051 N. Fresno St. Suite 102Fresno, 93710

224-0299WND 230 WND

WND CNA, LVN, RN, NP, Companion HHA, and AlliedMedical/prescription, dental, vision,short term disability, life insurance,

401(k), sick time and PTOWND 2001 Adam Finley, director

5(3)

United Staffing Associates1800 S.Central Ave.Visalia, 93277

334-2872334-2878 168 20

36Production, light industrial, administrative,

manufacturing, medical, & constructionACA Insurance, 401(k), Paid Sick

Leave

Forklift certification,confined space, heavy

equipment training,food safety

2004

Juana Serrato, JorgeRamos, Beth

Bruegman, TiffanyAlkire

6(7)

Hire Up Staffing Services155 E. Shaw Ave., Ste. 108Fresno, 93710

579-1331283-8246 100 8

80

Accounting, administrative, legal, medical,clinical, clerical, manufacturing, engineering,

executive, management

AFLAAC, 401(k), employee of themonth, contests and other incentives

Skills training onMicrosoft computer

programs2010 Rebecca Abell,

president

7(4)

Volt Workforce Solutions7330 N. Palm Ave., Suite 105Fresno, 93711

435-1255435-5987 100 2

4Full-service: administrative, accounting &

finance, light industrial, warehouse & more

Health, dental, vision insurance, paidholidays, referral bonus, credit union

& moreOnline tutorials 1985 Michelle Vigil, manager

8(6)

Elitecare Medical Staffing Inc.761 E. Locust Ave., Ste. 103Fresno, 93720

438-7700446-2170 93 2

4 Nursing, allied, imaging, pharmacy, corrections Medical, vision, dental, referralbonus, PTO, IRA & more

On-line education,facility orientation &

training2002

Steve Poggi, pres/CEO,Stacy Green, dir. of

operations

9(8)

Denham Resources567 W. Shaw Ave., Ste. C1Fresno, 93704

222-5284222-1321 85 8

15Accounting, administration, ex. mgmt, HR,

engineering, tech., medical.Health, retirement plan, holiday pay,

scholarships, bonuses & more

Free tutorials, lendinglibrary, career search

advice.1970 Dave Denham, Kathy

Bray, Joe Denham

10(10)

Insurance Relief7535 N. Palm Ave., Ste. 101Fresno, 93711

431-6428888-292-4448 58 4

5 Insurance industry Medical, dental, vision, holiday pay,401(k) Online tutorials 2002 Kade Houston,

manager

Key: WND-Would Not Disclose. NR-Not Ranked.All data has been provided by representatives of the staffing services listed and Business Journal research. Not all sourcessurveyed responded to inquiries.

Research: Chris Rose

Original Publication Date: January 6, 2017E-mail: chris@thebusinessjournal.com

CalChamber’s guide to new business laws in 2017The California Chamber of Commerce has released the list of new employment laws taking effect now that will have an impact on businesses in California.Employers need to be aware of significant changes in key areas, such as the state minimum wage. Other new laws make small changes to different parts of existing list or may relate only to specific industries.Unless specified, all new legislation went into effect on Jan. 1. This year, many bills feature delayed or phased-in implementation.

Several new California laws will affect employers’ wage-and-hour obligations in 2017.

Minimum wageSB 3 will increase the minimum wage over the next several years to $15 an hour. For Jan. 1, businesses with 26 or more employees must pay a minimum wage of $10.50 per hour. The minimum wage increase will require all employers to post a new Minimum Wage Order (MW-2017).The upcoming minimum wage increase also will have an effect on other pay practices, such as the overtime rate.

Agricultural overtimeAB 1066 will phase in increased overtime requirements for agricultural employees over the course of four years beginning Jan. 1, 2019. Currently, agricultural employees are exempt from certain wage requirements.

Itemized wage statements

AB 2535 amends Labor Code Section 226 and clarifies that employees who are exempt from the payment of minimum wage and overtime are not required to have their hours tracked and logged on an itemized wage statement, commonly referred to as a pay stub.

PayrollAB 1847 requires employers who must notify employees of their eligibility for the federal Earned Income Tax Credit to also notify these employees that they may be eligible for the California Earned Income Tax Credit. The bill updates the required notice that must be given to employees.

Challenges to minimum wage violationsUnder AB 2899, employers who contest a Labor Commissioner ruling that they failed to pay the minimum wage must post a bond equal to the unpaid wages, excluding penalties.

Local wage enforcementSB 1342 grants local officials or department heads the power to issue subpoenas and to report noncompliance with employment-related ordinances, such as local minimum wage ordinances, to

superior court judges. The legislative intent of this new law further encourages cities and counties to enact measures to combat wage theft.

Janitorial workersAB 1978 enacts new recordkeeping, registration and training requirements for the janitorial industry.

Licensure requirements for hair/nail salonsAB 2437 requires any establishment that is licensed by the Board of Barbering and Cosmetology (BBC) (e.g., hair salons, nail salons, estheticians, etc.) to post a notice regarding workplace rights and wage-and-hour laws by July 1, 2017. The Labor Commissioner must create the model notice. Failure to post the notice will result in a fine.

Temporary services; wagesUnder the Labor Code, employees of a temporary service employer must be paid weekly, regardless of when the assignment ends. AB 1311 applies the weekly pay requirement to security guards employed by private patrol operators who are temporary services employers. This urgency legislation took effect on July 25, 2016.

Discrimination and Retaliation ProtectionsSeveral new laws expand employee protections for 2017.

Fair payLast year, significant amendments were made to California’s equal pay laws to address gender wage inequality. This year, two new bills expand California’s Fair Pay Act. SB 1063 prohibits an employer from paying any of its employees wage rates that are less than the rates paid to employees of another race or ethnicity for substantially similar work. AB 1676 specifies that, under the Fair Pay Act, prior salary cannot, by itself, justify any disparity in compensation.

Harassment prevention trainingAB 1661 requires local agency officials, including local elected officials, to receive sexual harassment prevention training and education whenever those officials receive any type of compensation, salary or stipend.

All-gender restroomsAB 1732 sets a new requirement that, beginning March 1, all single-user toilet facilities in any business establishment, place of public accommodation or government agency must be identified as “all-gender” toilet facilities.

Immigration-Related Protections

FRIDAY, JANUARY 6, 2017 www.thebusinessjournal.com 11

PEOPLE ON THE MOVE

Sandoval Norman

Pountney Soberal

Colgate Steele

Barberich Daggett

Hopkins Weitzel

Gruszczynski Clarke

Cooper

Abajian Stewart

Employers are required by federal law to verify an employee’s eligibility to work using the Form I-9 process. Under federal law, it is unlawful for employers to ask for more or different documentation than is required by the Form I-9, refuse to accept documents that appear genuine on their face or engage in other types of document abuse. SB 1001 makes this type of conduct unlawful under state law as well.

Definition of employeeAB 488 revises the definition of employee under California’s Fair Employment and Housing Act (FEHA) to authorize an individual employed under a special license in a nonprofit sheltered workshop, day program or rehabilitation facility to bring an action under the FEHA for any form of prohibited harassment or discrimination.Human TraffickingAB 1684 authorizes the DFEH to receive, investigate and prosecute complaints from victims of human trafficking. The DFEH can bring civil actions on behalf of these victims.

State contracts and anti-discrimination certificationAB 2844 requires those who bid, propose or renew a contract of $100,000 or more with a state agency to certify their compliance with the Unruh Civil Rights Act and FEHA.

Discrimination regulations and enforcementSB 1442 consolidates various anti-discrimination regulations and

enforcement and investigatory powers under the jurisdiction of the DFEH. It removes other state agencies’ authority to issue regulations prohibiting discrimination.

Several new laws relate to employee benefits and leaves of absences.

Paid family leave benefitsEffective Jan. 1, 2018, AB 908 increases the amount of paid family leave (PFL) benefits an employee can receive from 55 percent of earnings to either 60 percent or 70 percent of earnings, depending on the employee’s income.

Domestic violence, sexual assault and stalking protectionsAB 2337 requires employers with 25 or more employees to provide employees with written notice about the rights of victims of domestic violence, sexual assault and stalking to take protected time off for medical treatment or legal proceedings.A required form must be given to all new employees when hired and to current employees upon request. The Labor Commissioner is required to develop the form on or before July 1, 2017.Employers are not required to comply with this notice requirement until the Labor Commissioner posts the new form on its website.

Private retirement savings plansSB 1234 approves the California Secure Choice Retirement Savings Program (SCRSP), which is a state-run retirement plan for private-sector workers. Specific prerequisites must be met before the SCRSP can

be implemented, and it may be some time before we actually see this program up and running.Paid sick leaveSB 3 extends California’s paid sick leave law to cover in-home supportive services workers beginning July 1, 2018. AB 2393 provides specific rules relating to the interaction of sick leave and parental leave for school district employees working in positions requiring certification qualifications.

Disability benefitsAB 2886 extends the appeal time for disability benefits from 20 to 30 days, effective March 1, 2018.

Two new laws affect how background checks are conducted.

Juvenile criminal history informationAB 1843 prohibits employers from inquiring into an applicant’s juvenile convictions or using such convictions as a factor in determining any condition of employment.

Criminal background check — ride-sharing servicesAB 1289 requires a “transportation network company” (think Uber and Lyft) to conduct local and national criminal background checks for each participating driver and prohibits the use of drivers with certain types of convictions.

Workplace SafetySeveral new laws affect workplace safety, including a package of bills that took effect June 9, 2016.

Indoor heat illness

SB 1167 requires Cal/OSHA to propose a heat-illness and injury prevention standard for indoor workers by Jan. 1, 2019.Driving

AB 1785 reaffirms the general ban on using wireless electronic devices while driving, but amends existing law to authorize drivers to use their hand to activate or deactivate a feature or function of the device with a single swipe or tap, as long as the device is mounted so as not to hinder the driver’s view of the road.

SmokingA package of bills was signed earlier in 2016 that extend the ban on workplace smoking. These rules took effect June 9, 2016.

A number of new laws relate to public works and prevailing wages.

Employers who provide services or construction work on public works projects for the government or public-sector entities must pay the prevailing wage, which is usually significantly higher than the minimum wage.

The bills include:

AB 326 — requires the release of funds held pending a prevailing wage determination; AB 1926 — relates to the payment of apprentices for pre-employment activities, such as testing or training; and SB 954 — limits the ability for a nonunion contractor to receive a credit for certain payments made against the prevailing wage.

CalChamber | from 10

LEGAL

Dritsas Groom McCormick, LLP would like to announce the advancement of Adam Gruszczynski and Leslie Pountney, CPAs, as partners in the firm. Gruszczynski joined the firm in 2009 and provides tax services as well as business planning services to both businesses and individuals. He is the financial chair of the Adaptive Sports Program at Children’s Hospital,

president of the local chapter of Business Network International, and a member of the American Institute of Certified Public Accountants as well as the California Society of Certified Public Accountants. Pountney joined the firm in 2000 and has been providing auditing, accounting and tax services for more than 20 years. She is a member of the American Institute of Certified Public Accountants, California Society of CPA’s, as well as serving as a committee chair in the local

chapter of the California Society of Certified Public Accountants. SERVICE CLUBS

Fresno Rotary is pleased to welcome four new members. Ann K. Abajian is the director of Learn4 Life Program and oversees corporate public relations at Crescent View West Public Charter School. Alice L. Barberich is the principal at

Crescent View West Public Charter School. David Clarke is a senior account manager at Nettra Marketing, Inc. Jake Soberal is the co-founder and CEO of Bitwise Industries.

REAL ESTATE

Pearson Realty has announced its Top Producers

POM | 12

12 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

SOLAR NEGOTIATORS IS NOT A CONTRACTOR AND DOESN’T PERFORM INSTALLATIONS.Our team assists with project management, administrative, customer service, and client support.

for 2016: Salesperson of the Year was Robb Stewart, senior vice president, Visalia office; followed by Jon Daggett, senior vice president, Fresno office; and Bill Hopkins, senior vice president, Fresno office, all specializing in the sale of agricultural properties.

GOVERNMENT

Fresno Mayor Lee Brand announced that Jaime Sandoval has joined his staff as the new communications coordinator. Sandoval, who most recently served as Fresno County public information officer, was an Emmy Award-winning photojournalist at Univision KFTV-TV in Fresno where he worked for over 12 years. He earned a B.A. in mass communication from California State University, Fresno and is a member of the California Association of Public Information Officers (CAPIO.) As communications coordinator, Sandoval will work directly with the city’s director of communications to develop and disseminate all internal and external communications, as well as oversee content management of the City of Fresno’s new website, social media platforms, and FresGO mobile app.

INSURANCE

Fresno-based United Valley Insurance Services, a membership network of more than 70 independent insurance agencies, announced the addition of five new member agencies in California for 2016. These include Cooper Insurance Agency, Inc. in Easton, where Principal Gary Cooper writes both personal and commercial insurance. Other new agencies include CMR Risk & Insurance Services, Inc. in San Diego; Warren G. Bender Co. in Roseville; Steven H. Spiegler Insurance Services,

Inc. in La Jolla and Michael Kennedy Insurance Agency, Inc. in El Cajon.

SMALL BUSINESS

The Oakhurst Area Chamber of Commerce announced that Ron Colgate is the recipient of the 2016 Lifetime Achievement Award. A 40-year mountain-area resident, Colgate is a community volunteer and was formerly employed by Sierra Telephone. The Man of the year winner is Victor Weitzel of Idea Print Work, Inc., the Woman of the year is Laura Norman of Sierra Tel, the Business of the Year is Oakhurst Grocery Outlet owners Brandon and Jessica Steele, and Executive Director’s Award goes to Carrier Proctor of Oakhurst Healthcare & Wellness Centre. They will be honored Jan. 20 at Tenaya Lodge in Yosemite.

“New Beginnings” is the theme for the 2016 Chowchilla District Chamber of Commerce Community Awards dinner slated for Jan. 21. The annual event will recognize community members who have given above and beyond of their time, energy and resources to the community. This year’s winners include Business Person of the Year – Ray Barragan; Choose Chowchilla Award – Phil and Elizabeth Cheatham, Deli Delicious; Chowchilla Progress Award – Tara Davis, State Farm Insurance; Chowchilla Heritage Award – Land Company and Real Estate; Educator of the Year – Muriel Fore; Excellence in Agriculture – Doug Thiel, Thiel Air Care; Heart of Chowchilla – In Memory of Pete Cornaggia; Historical Award – Reddy Redskin; Honoring Community Contributions – Chowchilla Lions Club; Outstanding Citizen of the Year – Kim Hickman, Paw Spa; Unique Citizens – H.O.W. – Brenda Farmer, Kelle Ray, Tracey Moore; and Vision Award –Mario Davila, Mario’s Traditional Mexican Restaurant.

POM | from 11

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Executive Homes Market

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Leads | 16

THE CONTENTSLeadsReal Estate 15Bankruptcy 15Federal Liens 15State Liens 15New Businesses 16

The Leads information found in this issue of The Business Journal is a sampling from the Business Leads Download Center. The Business Leads Download Center is available free with your paid subscription to The Business Journal. For questions about the content listed in this section or how to obtain a subscription to The Business Journal, contact Ashley Webster at 559.490.3481 or e-mail ashley@thebusinessjournal.com.

HOW IT WORKS: The Business Journal’s Leads listings are designed to help you find the latest legal transactions to grow your business. Find out who’s new in town, who’s going out of business and what neighborhoods are becoming a hotspot for new business. We’ve pulled information from the county clerks’ and recorders offices in Fresno, Kings, Madera and Tulare counties to bring you the latest in business news. No matter what business you are in, you can gain a competitive advantage from these Leads each week.

and Peter Orlando of Retail California were the agents.

Sale of 35,000 square foot parcel of land at the southwest corner of California Ave. and Walnut St. in Fresno to FD Partners, LLC from Edison Plaza Partners, LP. John Lee and Lewis Smith of Retail California were the agents.

STUMPF AND COMPANY is reporting the following real estate transactions:

Sale of 1,809 square foot building at 707 E. Shields Ave. in Fresno from Scott E. Brinker to Pietro DeSantis. Ron Stumpf was the broker.

2,000 square feet at 1330 Hulbert Ave., Ste. 102, Fresno leased from Ron Stumpf to Michael Dunbar and Misty Dunbar. Ron Stumpf was the broker.

1,400 square feet at 1345 N. Willow Ave., Ste. 110, Clovis leased from Burgess, Smith & Wathen VII, a California General Partnership to Gajjan Singh and Manjit Kaur. Ron Stumpf was the broker in cooperation with Alexandra Stumpf, broker.

BANKRUPTCYProtégé Roofing & PaintingCase No: 16-14576-73717 Candlewood DrBakersfield CA 93306Assets: $207,775, Liability: $229,435, Exemptions: $104,800

Family A Auto SalesCase No: 16-14602-712034 Maywood DrMadera CA 93636Assets: $0, Liability: $0, Exemptions: $0

Colorworks PrintingCase No: 16-14609-7450 O’Farrell StVisalia CA 93291Assets: $5,777, Liability: $1,374,974, Exemptions: $5,777

Got Weeds Weed ControlCase No: 16-14630-725101 Bear Valley Rd PMB#43Tehachapi CA 93561Assets: $151,141, Liability: $185,686, Exemptions: $17,806

Jar Associates/ John’s PizzaCase No: 16-14638-71415 SimsRidgecrest CA 93555Assets: $0, Liability: $0, Exemptions: $0

FEDERAL LIENSNumber 1 Recycling CenterDoc No: 16-078839, IRS tax lien774 W Olive Ave, Porterville, CA 93257Amount: $3,370

ABC Pre SchoolDoc No: 16-078840, IRS tax lien978 W Cleo Ave, Porterville, CA 93257Amount: $853

Neumann Development CorporationDoc No: 16-078842, IRS tax lien33167 Highway 190, Springville, CA 93245Amount: $450

Team Central Valley IncDoc No: 16-031658, IRS tax lien2930 Geer Rd 174, Turlock, CA 93282Amount: $11,624

STATE LIENSFrutas Express llcDoc No: 16-022805, EDD tax lien1675 W Lacey Blvd Ste VC4, Hanford, CA 93230Amount: $1,064

Area Remodeling & Construction CoDoc No: 16-022806, EDD tax lien8896 13th Ave, Hanford, CA 93230Amount: $2,459

J V Dale Richardson DDSDoc No: 16-022807, EDD tax lien1409 Whitley Ave Ste D, Corcoran, CA 93212Amount: $1,072

Rite Temp ServicesDoc No: 16-022808, EDD tax lien723 Wentworth Ct, Lemoore, CA 93245Amount: $3,531

QRS Investment GroupDoc No: 16-022809, EDD tax lien247 Del Monte Pl, Lemoore, CA 93245Amount: $1,384

Genos Diesel RepairDoc No: 16-022810, EDD tax lien10154 9 1/2 Ave, Hanford, CA 93230Amount: $854

E & B Landscape & Garden Supplies IncDoc No: 16-022811, EDD tax lienP O Box 629, Hanford, CA 93230Amount: $1,469

One Result Real Estate IncDoc No: 16-0167703, EDD tax lien7625 N Palm Ave Ste 106, Fresno, CA 93711Amount: $607

El Valle llcDoc No: 16-0167705, EDD tax lien2225 Chandler St, Selma, CA 93662Amount: $537

Emerald Construction & Engineering IncDoc No: 16-0167706, EDD tax lien2491 N Miami Ave, Fresno, CA 93727Amount: $3,777

Princess NailsDoc No: 16-0167707, EDD tax lien1050 Shaw Ave #E1123, Clovis, CA 93612Amount: $7,402

Liberty Lines IncDoc No: 16-0167704, EDD tax lien2559 S East Ave, Fresno, CA 93706Amount: $13,336

The H C Brock Company IncDoc No: 16-0167708, EDD tax lien2025 W Front St, Selma, CA 93662Amount: $6,003

A Plus Concrete ConstructionDoc No: 16-0167715, EDD tax lien5761 E Christine Ave, Fresno, CA 93727Amount: $3,656

American Ag Enterprises llcDoc No: 16-0167716, EDD tax lien3072 W Jensen Ave, Fresno, CA 93706Amount: $1,669

Paradise Island SpaDoc No: 16-0167709, EDD tax lien8068 N Cedar Ave, Fresno, CA 93720Amount: $5,505

Athletic Performance Training llcDoc No: 16-0167710, EDD tax lien340 Clovis Ave, Clovis, CA 93612

Amount: $1,389

Central California Gaming Management IncDoc No: 16-0167712, EDD tax lien711 W Shaw Ave #112-300, Clovis, CA 93612Amount: $1,940

BlimpieDoc No: 16-0167713, EDD tax lien810 E Olive Ave, Fresno, CA 93728Amount: $545

Khazar Industries IncDoc No: 16-0167711, EDD tax lien3275 E Central Ave, Fresno, CA 93725Amount: $3,810

Clovis Smog & Small Engine ServiceDoc No: 16-0167717, EDD tax lien2890 N Larkin Ave Ste 101, Fresno, CA 93727Amount: $1,099

J TransportDoc No: 16-0167718, Board of Equalization tax lien2902 N Brix Ave, Fresno, CA 93722Amount: $11,048

Secured Refrigerated Transport IncDoc No: 16-0169019, Franchise Tax Board tax lien5724 E Jefferson Ave, Fresno, CA 93725Amount: $45,032

JM Romero Jr FLCDoc No: 16-078942, EDD tax lien234 N H St, Porterville, CA 93257Amount: $263

Belly BustersDoc No: 16-078943, EDD tax lien298 S Red Oak St, Porterville, CA 93257Amount: $1,183

A & A Shell Food MartDoc No: 16-078944, EDD tax lien560 S Park Dr Ste 99, Pixley, CA 93256Amount: $1,434

T & M TowingDoc No: 16-078945, EDD tax lien3531 S K St, Tulare, CA 93274Amount: $1,623

Scenic Heights InteriorsDoc No: 16-078946, EDD tax lien850 N Main St, Porterville, CA 93257Amount: $995

Cardenas & Associates IncDoc No: 16-078947, EDD tax lien501 W Visalia Rd, Exeter, CA 93221Amount: $2,117

Lance’s Engine ShopDoc No: 16-078948, EDD tax lienP O Box 447, Strathmore, CA 93267Amount: $318

ABC Pre SchoolDoc No: 16-078949, EDD tax lien978 W Cleo Ave, Porterville, CA 93257Amount: $1,151

Senen Ag Farm Labor Services IncDoc No: 16-078950, EDD tax lien4934 W Hemlock Ave, Visalia, CA 93277Amount: $2,827

Sequoia Nephrology Medical Group IncDoc No: 16-078951, EDD tax lien1031 N Demaree St, Visalia, CA 93291Amount: $6,116

N R C Electronics IncDoc No: 16-078952, EDD tax lien

167 W Poplar Ave, Porterville, CA 93257Amount: $129

Smith’s FlowersDoc No: 16-078953, EDD tax lien55 N D St, Porterville, CA 93257Amount: $1,338

J & G Electric IncDoc No: 16-078954, EDD tax lien814 E Douglas Ave, Visalia, CA 93292Amount: $1,186

Fred’s Famous BBQDoc No: 16-078955, EDD tax lien210 E Tulare Ave, Tulare, CA 93274Amount: $1,012

Golden Touch Limousine llcDoc No: 16-078956, EDD tax lien21919 Avenue 168, Porterville, CA 93257Amount: $450

Standard Farm IncDoc No: 16-078957, EDD tax lien168 S Main St, Porterville, CA 93257Amount: $3,872

Olguin Cabinet Installations IncDoc No: 16-078958, EDD tax lien182 Johnson St, Tulare, CA 93274Amount: $3,978

Supreme AirDoc No: 16-078959, EDD tax lien6928 Avenue 304, Visalia, CA 93291Amount: $3,430

M & A TruckingDoc No: 16-078960, EDD tax lien23302 Road 196, Lindsay, CA 93247Amount: $1,135

Navarro TruckingDoc No: 16-078961, EDD tax lien569 Lemona St, Woodlake, CA 93286Amount: $516

N R C Electronics IncDoc No: 16-078962, EDD tax lien167 W Poplar Ave, Porterville, CA 93257Amount: $602

Carniceria Y Taqueria Mi TierraDoc No: 16-078963, EDD tax lien2337 N Michael St, Visalia, CA 93292Amount: $534

USA PetroDoc No: 16-078964, EDD tax lien41304 Road 128, Orosi, CA 93647Amount: $1,507

Supercity Wholesale llcDoc No: 16-078965, EDD tax lien4243 W Noble Ave, Visalia, CA 93277Amount: $5,507

Asap TowingDoc No: 16-078967, EDD tax lien1700 E Goshen Ave Ste C, Visalia, CA 93292Amount: $377

Associated Bookkeeping ServicesDoc No: 16-078968, EDD tax lien921 W Oak Ave, Visalia, CA 93291Amount: $2,489

Law Offices of Daniel PradoDoc No: 16-078969, EDD tax lien4236 W Mineral King Ave, Visalia, CA 93291Amount: $1,567

San Joaquin Valley Patrol IncDoc No: 16-078970, EDD tax lien

REAL ESTATENEWMARK GRUBB PEARSON COMMERCIAL is reporting the following real estate transactions:

3,000 square feet of industrial space at 4718 N. Bendel Ave., #102, Fresno leased to Autumn Eastes, dba Iron Forged Fitness from Eric Stanfield. Nick Audino, SIOR and Daniel Simon of Newmark Grubb Pearson Commercial were the agents. 5,000 square feet of industrial space at 3704 W. Ashcroft Ave., Fresno leased to Stallion Tire Care, Inc. from Douglas B. Jensen Trust of 2009. Daniel Simon and Troy McKenney of Newmark Grubb Pearson Commercial were the agents. 14,948 square feet of warehouse space at 4966 E. Lansing Way in Fresno leased to Speed Engineering and Performance, Inc. from Jerry E. Cook Trust. Nick Audino, SIOR of Newmark Grubb Pearson Commercial was the agent. 12,195 square feet of warehouse space at 4379 N. Brawley Ave., Fresno leased to Garda Supplies from Brawley 7, LLC. Ethan Smith, CCIM and Ron Stoltenberg were the agents in cooperation with Chad McCardell of Colliers International.

RETAIL CALIFORNIA is reporting the following real estate transactions:

400 square feet of retail space in the Trading Post Shopping Center at 840 Herndon Ave. in Clovis leased to D & L Roses from DN Clovis, LLC. Lewis Smith

16 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

James Matson8584 N Madsen AveClovis, CA 93619

Healing Hearts Health & WellnessKaren Romanacce4063 N DeWitt AveFresno, CA 93727

Revolution Autosport llcRevolution Autosport llc 1157 Barstow AveClovis, CA 93612

Anna’s Sweet ToothAnna Petrosyan727 E San Carlos AveFresno, CA 93710

Safeco Security SystemsAnthony Diviccaro Jr5530 E Lamona Ave #107Fresno, CA 93727

Kikons TransportsFelipe Lopez Morales5259 W Cromwell AveFresno, CA 93722

Sim + PBKSmith Iwanaga Milhous Architects 7591 N Ingram Ave Ste 101Fresno, CA 93711

SMA CommunicationsKenneth Johnson6334 N DeWolf AveClovis, CA 93619

KpistudiosMAD Productions and Entertainment 4903 E Kings Canyon Rd Ste 241Fresno, CA 93727

B&R Private SecurityLuis Burgos1531 N Wishon AveFresno, CA 93728

Bead Central and Something To TalkMaria Silva1967 High StSelma, CA 93662

The Weenie HutTashina Esquivel141 N Villa AveFresno, CA 93727

JCS TransportJuan Santos968 Lolita StMendota, CA 93640

Excel Sign CompanyBoothe Enterprises Inc 1229 Hoblitt Ave Ste AClovis, CA 93612

Laparra’s Quality ServiceBlue Sea Investment Group llc 605 W Yale AveFresno, CA 93705

Swept AwayNoreida Mora235 Jefferson StCoalinga, CA 93210

Charming Treasures Event RentalBarbara Carpenter13714 E Rialto Sanger, CA 93657

Vet Tech PrideCindy Lorenzetti5090 N Roosevelt Ave #36Fresno, CA 93704

Property Brokers

Sandra Sonkoly2490 Magill AveClovis, CA 93611

559 GraphicsDoyle Chapman Jr4693 W Swift AveFresno, CA 93722

Auto SmogMashalah Boroujerdi7259 N Blackstone AveFresno, CA 93650

Griswold VacationsRonda Griswold988 N Princeton AveCoalinga, CA 93210

Gill Investment GroupSurjit Gill3705 N Clovis AveFresno, CA 93727

Shah TransNavdeep Brar5439 E Tower AveFresno, CA 93727

First Expression Ornamental IronYadira Garcia4739 W Fremont AveFresno, CA 93722

Life Is Good Room and BoardVardan Tiraturyan3724 E Thomas AveFresno, CA 93702

Lyons CarpentryMaurice Lyons95 W Nebraska AveFresno, CA 93706

Janitorial Building CareRobert Fang1662 N First St #BFresno, CA 93703

Freedom Energy ConceptsCasey Stephens516 Villa Ave Ste 15Clovis, CA 93612

Escape2UJody Webb2244 Tivy Valley RdSanger, CA 93657

Saul’s Smog and RepairSaul Valadez Jr2030 N St Ste BFirebaugh, CA 93622

Sun Sun KitchenJanelle Leu1216 W Shields AveFresno, CA 93705

Ray’s Floormats & AccessoriesRay Thacker5171 W Holland AveFresno, CA 93722

Well4workWorkmed 5321 N Fresno St Ste 105CFresno, CA 93710

Bakery DelightsWei Yu6749 N Cedar AveFresno, CA 93710

A R G LogisticsRajinder Dhillon5583 N Olinda AveFresno, CA 93723

The View

1060 Fulton Mall llc 1060 Fulton MallFresno, CA 93721

GZM Fresno CorporationGZM Fresno Corporation 217 E San Joaquin StAvenal, CA 93204

Online House HuntersIsaac Ramirez2808 Browning AveClovis, CA 93611

Mellysport Futsal IncMelvin Williams4055 N Chestnut DiagonalFresno, CA 93726

T L White TransportTyrone White2095 Lester AveClovis, CA 93619

Mariscos El PescadorJose Gonzalez4610 N Blackstone AveFresno, CA 93726

Rehoboth VenturesEsther Akande1676 N Hughes AveClovis, CA 93619

Punjab Trucking Driving SchoolGurpal Randhawa3150 N Weber Ave Ste 101Fresno, CA 93722

Davis TransportBob Davis Jr2980 Terry AveClovis, CA 93612

Hyde Park ApartmentsDean Ishii Management III llc 5150 N Valentine AveFresno, CA 93711

DCL TechnologyKevin Smith5431 E Norwich AveFresno, CA 93727

Higher StandardsDiego Lopez13567 S Pear StCaruthers, CA 93609

Fresno Lock & KeyBenjamin Crownover3653 W Robinson AveFresno, CA 93722

ITC EntertainmentMark Gouker4670 N El Capitan Ave Ste 201BFresno, CA 93722

K & W Hydro BlastingMarilyn Schilling10679 S Chestnut AveFresno, CA 93725

Seva Health ServicesAmandeep Singh4303 N Gregory AveFresno, CA 93722

Sidhu LogisticsYadavindra Sidhu4111 N Blythe Ave #114Fresno, CA 93722

Demetra BarristerJennifer Boukidis2657 Austin AveClovis, CA 93611

Birchwood Apartments

Freedom Investments llc 5486 W SampleFresno, CA 93722

Mini Market Mi Casita AstralGerardo Novela Linares1029 Fulton MallFresno, CA 93721

United Brothers ConstructionTomas Tinajero4573 E Mono StFresno, CA 93702

California Truck Licensing IncCalifornia Truck Licensing Inc 2016 E Front StSelma, CA 93662

Monty’s Eco WashMonty Vasquez1155 E Bullard Ave #206Fresno, CA 93710

Target Auto FinanceJV Auto Sales 1032 N Blackstone AveFresno, CA 93701

Advanced Training & PerformanceStephen Wolf1608 E Menlo AveFresno, CA 93710

Delta Financial & Real Estate GroupFelix Enunwa2307 N West Ave Ste 101Fresno, CA 93705

Robert’s MaintenanceRobert Medina4065 E Brentwood AveFresno, CA 93703

Taqueria MariMaria Reyes221 E Helen AveReedley, CA 93654

Dirty Deeds Done Dirt Cheap! TractorJames Reesha29101 Burrough Valley RdTollhouse, CA 93667

Seminole Creek RanchJames Reesha29101 Burrough Valley RdTollhouse, CA 93667

MADERA

Valley Wide RecyclingGarth Company Inc 1502 E Yosemite AveMadera, CA 93638

Fateh TransportationDamandeep Singh751 Kiwi StMadera, CA 93638

Kirpa TransportationSimran Singh751 Kiwi StMadera, CA 93638

TULARE

Juan Handyman ServiceJuan Valencia1315 N Park StVisalia, CA 93291

Sierra General Engineering & HardscapeChasen Hauber40661 Old Three Rivers DrThree Rivers, CA 93271

2318 W Sunnyside Ave Ste 6, Visalia, CA 93277Amount: $10,636

Arreola Bros AgDoc No: 16-078971, EDD tax lien777 Barouni Ave, Woodlake, CA 93286Amount: $4,409

Jeff Shipman’s Tree ServiceDoc No: 16-078972, EDD tax lien4333 W Dorothea Ave, Visalia, CA 93277Amount: $1,384

Padilla Harvesting IncDoc No: 16-078973, EDD tax lienP O Box 326, Woodlake, CA 93286Amount: $8,738

Moore Development IncDoc No: 16-078974, EDD tax lienP O Box 7989, Visalia, CA 93290Amount: $7,457

Organic Soil Builders IncDoc No: 16-078976, EDD tax lien38595 Road 12, Kingsburg, CA 93631Amount: $4,434

RLS Construction IncDoc No: 16-078977, EDD tax lien6414 Avenue 304, Visalia, CA 93291Amount: $2,061

Foothill Growers Association Doc No: 16-079493, Franchise Tax Board tax lienP O Box 762, Goshen, CA 93227Amount: $2,258

Cen Cal Ag IncDoc No: 16-031505, EDD tax lien912 Riverside Ave, Chowchilla, CA 93610Amount: $4,694

Pedro’s PlaceDoc No: 16-031506, EDD tax lien1772 Robertson Blvd, Chowchilla, CA 93610Amount: $1,770

Transcorp Freightways IncDoc No: 16-031507, EDD tax lien23687 Avenue 19, Madera, CA 93638Amount: $1,121

Todd’s Cook HouseDoc No: 16-031508, EDD tax lien40713 Hwy 41 #5, Oakhurst, CA 93644Amount: $2,501

Richie Lest Farms IncDoc No: 16-031759, EDD tax lien14676 Avenue 14, Madera, CA 93637Amount: $18,789

Central Valley Millwright IncDoc No: 16-031761, EDD tax lienP O Box 178, Chowchilla, CA 93610Amount: $6,246

Central Cal Ag Services IncDoc No: 16-031762, EDD tax lien845 Lilly St, Madera, CA 93638Amount: $525

NEW BUSINESSESFRESNO

SJT PropertiesScott Tafoya1398 W Herndon Ste 205Fresno, CA 93711

M I C Construction

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TRUSTEE SALES (1)NOTICE OF TRUSTEE’S SALE TS No. CA-16-699351-RY Order No.: 160008967-CA-VOI NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 10/13/2004. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): LUIS RENE GOMEZ AND MAYRA FABIOLA GOMEZ HUSBAND AND WIFE AS JOINT TENANTS Recorded: 11/2/2004 as Instrument No. 2004-0246955 of Official Records in the office of the Recorder of FRESNO County, California; Date of Sale: 1/27/2017 at 10:00 AM Place of Sale: At the West Entrance to the County Courthouse Breezeway located at 1100 Van Ness Avenue Fresno, California 93724 Amount of unpaid balance and other charges: $81,896.89 The purported property address is: 2014 NORTH ARTHUR AVENUE, FRESNO, CA 93705 Assessor’s Parcel No.: 444-123-14 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section

recorded 09/20/2016 in Book N/A, Page N/A, as Instrument No. 2016-0126573-00 of said Official Records, WILL SELL on 01/26/2017 at the Van Ness Avenue exit from the County Courthouse 1100 Van Ness, Fresno, CA 93721 at 2:00 P.M. AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at the time of sale in lawful money of the United States), all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State hereinafter described:LOT 782 OF TRACT NO. 1018, MAYFATR NO. 2, ACCORDING TO THE MAP THEREOF RECORDED IN BOOK 13, PAGES 95 AND 96 OF PLATS, FRESNO COUNTY RECORDS. APN: 446-223-09 The property address and other common designation, if any, of the real property described above is purported to be: 4064 ARDEN DRIVE SOUTH, FRESNO, CA The undersigned Trustee disclaims any liability for any incorrectness of the property address and other common designation, if any, shown herein. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $98,968.38. Said amount will increase until date of sale. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state. In the event tender other than cash is accepted the Trustee may withhold the issuance of the Trustee’s Deed until funds become available to the payee or endorsee as a matter of right. NOTICE TO POTENTIAL BIDDERS: If you considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more that one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (714) 730-2727 for information regarding the trustee’s sale or visit this Internet Web site www.ServiceLinkASAP.com for information regarding the sale of this property, using the file number assigned to this case F1609009. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Said sale will be made, but without covenant or warranty, express or implied regarding title, possession or encumbrances, to satisfy the indebtedness secured by said Deed, advances thereunder, with interest as provided therein, and the unpaid principal balance of the Note secured by said Deed with interest thereon as provided in said Note, fees, charges and expenses of the trustee and the trusts created by said Deed of Trust. SALE INFORMATION CAN BE OBTAINED ON LINE AT www.ServiceLinkASAP.com AUTOMATED SALES INFORMATION PLEASE CALL (714) 730-2727 Dated: 12/21/2016 CHICAGO TITLE COMPANY, a California Corporation, as said Trustee 7330 N. PALM AVE., SUITE 101 (93711), P.O. BOX 60016 FRESNO, CA, 93794-0016 (559) 451-3700 By: L. R. Cavalla Assistant Secretary A-4603395 01/06/2017, 01/13/2017, 01/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)T.S. No.: 9987-2094 TSG Order No.: 730-1609418-70 A.P.N.: 312-452-08 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 12/23/2008. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. NBS Default Services, LLC, as the duly appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded 12/31/2008 as Document No.: 2008-0177596, of Official Records in the office of the Recorder of Fresno County, California, executed by: JOSE CALVILLO, A MARRIED MAN AS HIS SOLE AND SEPARATE PROPERTY, as Trustor, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable in full at time of sale by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state). All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and state, and as more fully described in the above referenced Deed of Trust. Sale Date & Time: 02/08/2017 at 09:00 AM Sale Location: West Entrance to the County Courthouse Breezeway, Fresno Superior Courthouse, 1100 Van Ness Avenue, Fresno, CA 93724 The street address and other common designation, if any, of the real property described above is purported to be: 4305 WEST CORNELL AVENUE, FRESNO, CA 93722 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made in an “AS IS” condition, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit: $109,709.25 (Estimated) as of 01/11/2017. Accrued interest and additional advances, if any, will increase this figure prior to sale. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call, 1-800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site, www.auction.com, for information regarding the sale of this property, using the file number assigned to this case, T.S.# 9987-2094. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive

remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. NBS Default Services, LLC 301 E. Ocean Blvd. Suite 1720 Long Beach, CA 90802 800-766-7751 For Trustee Sale Information Log On To: www.auction.com or Call: 1-800-280-2832. NBS Default Services, LLC, Veronica Garcia, Foreclosure Associate This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, if you have received a discharge of the debt referenced herein in a bankruptcy proceeding, this is not an attempt to impose personal liability upon you for payment of that debt. In the event you have received a bankruptcy discharge, any action to enforce the debt will be taken against the property only. NPP0298826 To: FRESNO BUSINESS JOURNAL 01/06/2017, 01/13/2017, 01/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1) T.S. No.: 9987-2305 TSG Order No.: 8671026 A.P.N.: 316-305-13 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 02/01/2011. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. NBS Default Services, LLC, as the duly appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded 02/09/2011 as Document No.: 2011-0021465, of Official Records in the office of the Recorder of Fresno County, California, executed by: TEJAY PROUT, A MARRIED PERSON, as Trustor, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable in full at time of sale by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state). All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and state, and as more fully described in the above referenced Deed of Trust. Sale Date & Time: 01/30/2017 at 10:00 AM Sale Location: At the Van Ness Avenue exit from the County Courthouse at 1100 Van Ness Avenue, Fresno, CA 93724 The street address and other common designation, if any, of the real property described above is purported to be: 5855 E FLORENCE AVE, FRESNO, CA 93727 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made in an “AS IS” condition, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to-wit: $228,934.47 (Estimated) as of 01/11/2017. Accrued interest and additional advances, if any, will increase this figure prior to sale. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY

2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 888-988-6736 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-699351-RY . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 888-988-6736 O r Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-699351-RY IDSPub #0120251 1/6/2017 1/13/2017 1/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)NOTICE OF TRUSTEE’S SALE UNDER DEED OF TRUST LOAN: 1010-0609 OTHER: F1609009-LM TS NUMBER:F1609009 LRC A.P. NUMBER 446-223-09 YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED June 25, 2009. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. NOTICE is hereby given that CHICAGO TITLE COMPANY, a California Corporation, as trustee, or successor trustee, or substituted trustee pursuant to the Deed of Trust executed by CARLOS A. GALVAN, AN UNMARRIED MAN AND JACKILYN R. CASAGRANDE, AN UNMARRIED WOMAN ALL AS JOINT TENANTS Recorded on 06/30/2009 as Instrument No. 2009-0089361 in Book N/A Page N/A of Official records in the office of the County Recorder of FRESNO County, California, and pursuant to the Notice of Default and Election to Sell thereunder

Trustee Sales 17Civil 22Probate 23Fictitious 24Miscellaneous 24

page 17 January 6, 2017

READERS INDEX Public notices contain information that must, by law, be published in order to make that information available to the general public. First-time publications will be designated with a (1) in the top left corner of the listing. Publication dates appear in the lower left corner of the notice beginning with the first publication and ending with the last.

PublicNotices

Public Notices

18 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call, 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site, www.nationwideposting.com, for information regarding the sale of this property, using the file number assigned to this case, T.S.# 9987-2305. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. NBS Default Services, LLC 301 E. Ocean Blvd. Suite 1720 Long Beach, CA 90802 800-766-7751 For Trustee Sale Information Log On To: www.nationwideposting.com or Call: 916-939-0772. NBS Default Services, LLC, Veronica Garcia, Foreclosure Associate This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, if you have received a discharge of the debt referenced herein in a bankruptcy proceeding, this is not an attempt to impose personal liability upon you for payment of that debt. In the event you have received a bankruptcy discharge, any action to enforce the debt will be taken against the property only. NPP0298831 To: FRESNO BUSINESS JOURNAL 01/06/2017, 01/13/2017, 01/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)APN: 455-284-06-S TS No: CA07000844-16-1 TO No: 16-0007701 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d)(2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED January 5, 2010. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On March 9, 2017 at 09:00 AM, West Entrance to the County Courthouse Breezeway, Fresno Superior Courthouse, 1100 Van Ness Avenue, Fresno, CA 93724, MTC Financial Inc. dba Trustee Corps, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded on January 13, 2010 as Instrument No. 2010-0003824, of official records in the Office of the Recorder of Fresno County, California, executed by POMMARA CHHUN, A SINGLE MAN, as Trustor(s), in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for PLAZA HOME MORTGAGE, INC as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 5218 EAST LAMONA AVENUE, FRESNO, CA 93727 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured

by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee’s Sale is estimated to be $118,288.81 (Estimated). However, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary’s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call Auction.com at 800.280.2832 for information regarding the Trustee’s Sale or visit the Internet Web site address www.Auction.com for information regarding the sale of this property, using the file number assigned to this case, CA07000844-16-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: December 28, 2016 MTC Financial Inc. dba Trustee Corps TS No. CA07000844-16-1 17100 Gillette Ave Irvine, CA 92614 Phone:949-252-8300 TDD: 866-660-4288 Stephanie Hoy, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ONLINE AT www.Auction.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: Auction.com at 800.280.2832 Trustee Corps may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose.ISL Number 26652, Pub Dates: 01/06/2017, 01/13/2017, 01/20/2017, FRESNO BUSINESS JOURNAL01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)APN: 428-152-07 TS No: CA05001157-16-1 TO No: 8668889 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d)(2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED November 27, 2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On February 7, 2017 at 02:00 PM, at the Van Ness Avenue exit from the County Courthouse, 1100 Van Ness,

Fresno, CA 93721, MTC Financial Inc. dba Trustee Corps, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust recorded on November 30, 2007 as Instrument No. 2007-0214561, of official records in the Office of the Recorder of Fresno County, California, executed by ALAN BOYAJIAN, AN UNMARRIED MAN, as Trustor(s), in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. as nominee for MID VALLEY SERVICES INC as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 2012 EAST HOLLAND AVENUE, FRESNO, CA 93726 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee’s Sale is estimated to be $134,902.22 (Estimated). However, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary’s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call In Source Logic at 702-659-7766 for information regarding the Trustee’s Sale or visit the Internet Web site address listed below for information regarding the sale of this property, using the file number assigned to this case, CA05001157-16-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information

or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: December 29, 2016 MTC Financial Inc. dba Trustee Corps TS No. CA05001157-16-1 17100 Gillette Ave Irvine, CA 92614 Phone: 949-252-8300 TDD: 866-660-4288 Myron Ravelo, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www.insourcelogic.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: In Source Logic AT 702-659-7766 Trustee Corps may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose.ISL Number 26700, Pub Dates: 01/06/2017, 01/13/2017, 01/20/2017, FRESNO BUSINESS JOURNAL01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)APN: 428-133-21 TS No: CA07001121-16-1 TO No: 8662582 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d)(2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED June 15, 2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On February 16, 2017 at 02:00 PM, at the Van Ness Avenue exit from the County Courthouse, 1100 Van Ness, Fresno, CA 93721, MTC Financial Inc. dba Trustee Corps, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust recorded on June 22, 2007 as Instrument No. 2007-0122647, of official records in the Office of the Recorder of Fresno County, California, executed by BERNICE K. MALSBARY, A WIDOW, as Trustor(s), in favor of SEATTLE MORTGAGE COMPANY as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 3631 E. ASHCROFT AVENUE, FRESNO, CA 93726 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee’s Sale is estimated to be $242,152.52 (Estimated). However, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary’s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that

the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call In Source Logic at 702-659-7766 for information regarding the Trustee’s Sale or visit the Internet Web site address listed below for information regarding the sale of this property, using the file number assigned to this case, CA07001121-16-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: December 29, 2016 MTC Financial Inc. dba Trustee Corps TS No. CA07001121-16-1 17100 Gillette Ave Irvine, CA 92614 Phone: 949-252-8300 TDD: 866-660-4288 Stephanie Hoy, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www.insourcelogic.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: In Source Logic AT 702-659-7766 Trustee Corps may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose.ISL Number 26714, Pub Dates: 01/06/2017, 01/13/2017, 01/20/2017, FRESNO BUSINESS JOURNAL01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)T.S. No. 042242-CA APN: 444-081-26 NOTICE OF TRUSTEE’S SALE Pursuant to CA Civil Code 2923.3 IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 10/14/2002. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 2/8/2017 at 9:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 10/18/2002, as Instrument No. 2002-0185055, of Official Records in the office of the County Recorder of Fresno County, State of CALIFORNIA executed by: LUCILLE LONG AND DOUGLAS S LONG WIFE AND HUSBAND WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: WEST ENTRANCE TO THE COUNTY COURTHOUSE BREEZEWAY, FRESNO SUPERIOR COURTHOUSE, 1100 VAN NESS AVENUE, FRESNO, CA 93724 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 1028 EAST CLINTON AVENUE FRESNO, CA 93704 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges

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Public Notices

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and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $107,287.29 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (800) 280-2832 or visit this Internet Web site WWW.AUCTION.COM, using the file number assigned to this case 042242-CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (800) 280-2832 CLEAR RECON CORP. 4375 Jutland Drive Suite 200 San Diego, California 9211701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)NOTICE OF TRUSTEE’S SALE APN: 415-610-27 ORDER: 5822701 FILE: TS-160903 YOU ARE IN DEFAULT UNDER AN AMENDED NOTICE OF DELINQUENT ASSESMENT LIEN (CIVIL CODE SECTION 5675), DATED 8/15/2016. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. NOTICE is hereby given that on 1/26/2017 at 10:00 a.m. C.N.A. FORECLOSURE SERVICES, INC. A CALIFORNIA CORPORATION, as trustee, or successor trustee, or substituted trustee pursuant to the above referenced Amended Notice of Delinquent Assessment Lien which was caused to be recorded by Ridge View Villas Maintenance Corporation(“Creditor Association”) pursuant to the authority of Civil Code Section 5675 in order to secure obligations in favor of the Creditor Association, which Amended Notice of Supplemental Delinquent Assessment Lien, recorded 8/19/2016 as Instrument No. 20160109015 of Official Records in the Office of the Recorder of Fresno County, California, and pursuant to that certain Notice of Default and Election to Sell recorded 9/29/2016 as instrument # 2016-0132065 of Official Office of said County will sell at PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at the time of sale in

lawful money of the United States), At the Van Ness Avenue exit from the County Courthouse at 1100 Van Ness Avenue, Fresno, CA 93724, all rights, title and interest in the property situated in Fresno County , State of California describing the land therein: As more fully described in Delinquent Assessment Lien The property address and other common designation, if any, of the real property described above is purposed to be: 3739 W. Bullard #208, Fresno, CA The owner of record of the above described property is: Wan Xiang Xu The undersigned Trustee disclaims any liability for any incorrectness of the property address and other common designation, if any, shown herein. The total amount of unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $13,505.67 (estimated). In addition to cash, the Trustee will accept a cashier’s check drawn by a state or federal credit union or a check drawn by state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state. In the event tender other than cash is accepted the Trustee may withhold the issuance of the Trustee’s Deed until funds become available to the payee or endorsee as a matter of right. Said sale will be made, but without covenant or warranty, express or implied regarding title, possession or encumbrances, to satisfy the unpaid balance currently due and owing under the aforesaid Amended Notice of Supplemental Delinquent Assessment Lien and/or late fees, cost of collections (including attorney fees), and interest, which said Owner is obligated to pay Creditor Association under Civil Code 5650 and fees, charges and expenses of the Trustee. This property is being sold subject to a right of redemption in accordance with California Civil Code section 5715 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call telephone number for information regarding the trustee’s sale 916-939-0772 or visit this Internet Web site www.nationwideposting.com for information regarding the sale of this property, using the file number assigned to this case 160903. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION CALL : 916-939-0772 C/O C.N.A FORECLOSURE SERVICES, INC., A CALIFORNIA CORPORATION as said Trustee. 2020 CAMINO DEL RIO N. #230 SAN DIEGO, CALIFORNIA 92108 (619) 297-6740 DATE: 1/03/2017 KIMBERLY CURRAN TRUSTEE SALE OFFICER NPP0299401 To: FRESNO BUSINESS JOURNAL 01/06/2017, 01/13/2017, 01/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)NOTICE OF TRUSTEE’S SALE T.S. No. 16-20355-SP-CA Title No. 160236793-CA-VOI A.P.N. 454-223-08 ATTENTION RECORDER: THE FOLLOWING REFERENCE TO AN ATTACHED SUMMARY IS

APPLICABLE TO THE NOTICE PROVIDED TO THE TRUSTOR ONLY PURSUANT TO CIVIL CODE 2923.3 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED. YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 03/15/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, (cashier’s check(s) must be made payable to National Default Servicing Corporation), drawn on a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state; will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made in an “as is” condition, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Trustor: Elia Martha Perez, an unmarried woman Duly Appointed Trustee: National Default Servicing Corporation Recorded 03/25/2005 as Instrument No. 2005-0066811 (or Book, Page) of the Official Records of Fresno County, California. Date of Sale: 01/31/2017 at 2:00 PM Place of Sale: At the Van Ness Avenue exit from the County Courthouse, 1100 Van Ness, Fresno, CA 93721. Estimated amount of unpaid balance and other charges: $119,343.84. Street Address or other common designation of real property: 745 North Rowell Avenue, aka 745 N Rowell, Fresno, CA 93702 A.P.N.: 454-223-08 The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse.The requirements of California Civil Code Section 2923.5(b)/2923.55(c) were fulfilled when the Notice of Default was recorded. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 714-730-2727 or visit this Internet Web site www.ndscorp.com/sales, using the file number assigned to this case 16-20355-SP-CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not

immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: 12/30/2016 National Default Servicing Corporation c/o Tiffany and Bosco, P.A., its agent, 1230 Columbia Street, Suite 680 San Diego, CA 92101 Toll Free Phone: 888-264-4010 Sales Line 714-730-2727; Sales Website:www.ndscorp.com/sales Zahara Joyner, Trustee Sales Representative A-4604588 01/06/2017, 01/13/2017, 01/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)NOTICE OF TRUSTEE’S SALE TS No. CA-16-701372-JB Order No.: 730-1601016-70 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 6/17/1998. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): Elizabeth Vance, a single woman Claude L. Vance, Sr. and Josephina Rojas Vance, husband and wife Recorded: 6/30/1998 as Instrument No. 98091419 and modified as per Modification Agreement recorded 2/10/2015 as Instrument No. 2015-0014031-00 of Official Records in the office of the Recorder of FRESNO County, California; Date of Sale: 1/27/2017 at 10:00 AM Place of Sale: At the West Entrance to the County Courthouse Breezeway located at 1100 Van Ness Avenue Fresno, California 93724 Amount of unpaid balance and other charges: $78,314.73 The purported property address is: 2926 E MICHIGAN AVE, FRESNO, CA 93703 Assessor’s Parcel No.: 445-134-03 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 888-988-6736 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-701372-JB . Information

about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 888-988-6736 O r Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-701372-JB IDSPub #0120673 1/6/2017 1/13/2017 1/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)NOTICE OF TRUSTEE’S SALE TS No. CA-16-744690-JP Order No.: 160260123-CA-VOI NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/22/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): MARIA DE JESUS VAZQUEZ-CAMPOS AND OSCAR CASILLAS, WIFE AND HUSBAND AS JOINT TENANTS Recorded: 8/29/2005 as Instrument No. 2005-0200379 of Official Records in the office of the Recorder of FRESNO County, California; Date of Sale: 2/8/2017 at 9:00 AM Place of Sale: At the Fresno Superior Courthouse, 1100 Van Ness Avenue, Fresno, CA 93724. At the West Entrance to the County Courthouse Breezeway Amount of unpaid balance and other charges: $279,720.45 The purported property address is: 333 WEST MUNCIE AVENUE, FRESNO, CA 93711 Assessor’s Parcel No.: 402-400-20 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being

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Public Notices

20 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-744690-JP . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 800-280-2832 O r Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-744690-JP IDSPub #0120702 1/6/2017 1/13/2017 1/20/201701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

(1)NOTICE OF TRUSTEE’S SALEYOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 3/26/2008. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER.A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time

of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale.Trustor: MARK EDELMAN, A SINGLE MANDuly Appointed Trustee: Zieve, Brodnax & Steele, LLP Deed of Trust recorded 4/3/2008 as Instrument No. 2008-0048403 in book , page of Official Records in the office of the Recorder of Fresno County, California,Date of Sale:1/27/2017 at 9:00 AMPlace of Sale: Fresno Superior Courthouse, 1100 Van Ness Avenue, Fresno, CA 93724Estimated amount of unpaid balance and other charges: $219,947.65Note: Because the Beneficiary reserves the right to bid less than the total debt owed, it is possible that at the time of the sale the opening bid may be less than the total debt owed.Street Address or other common designation of real property:1371 RENN AVENUECLOVIS, CA 93611Described as follows: As more fully described on said Deed of Trust.A.P.N #.: 498-230-41The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale.NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (800) 280-2832 or visit this Internet Web site www.auction.com, using the file number assigned to this case 16-44290. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale.Dated: 12/29/2016Zieve, Brodnax & Steele, LLP, as Trustee 30 Corporate Park, Suite 450Irvine, CA 92606For Non-Automated Sale Information, call: (714) 848-7920For Sale Information: (800) 280-2832 www.auction.comChristine O’Brien, Trustee Sale OfficerTHIS FIRM IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION WE OBTAINED WILL BE USED FOR THAT PURPOSE. EPP 21029 1/6, 1/13, 1/20/1701/06/2017, 01/13/2017, 01/20/2017-----------------------------------

NOTICE OF TRUSTEE’S SALE Trustee Sale No. : 00000006133375 Title Order No.: 730-1607123-70 FHA/VA/PMI No.: ATTENTION RECORDER: THE FOLLOWING REFERENCE TO AN ATTACHED SUMMARY APPLIES ONLY TO COPIES PROVIDED TO THE TRUSTOR, NOT TO THIS RECORDED ORIGINAL NOTICE. NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED. YOU ARE IN DEFAULT UNDER A DEED OF

TRUST, DATED 09/09/2009. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP, as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 09/25/2009 as Instrument No. 2009-0132274 of official records in the office of the County Recorder of FRESNO County, State of CALIFORNIA. EXECUTED BY: KELLY R. ESKELSEN AND TERRI L. ESKELSEN, HUSBAND AND WIFE AS JOINT TENANTS, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by California Civil Code 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 01/25/2017 TIME OF SALE: 9:00 AM PLACE OF SALE: FRESNO SUPERIOR COURTHOUSE, 1100 VAN NESS AVENUE, FRESNO, CA 93724. STREET ADDRESS and other common designation, if any, of the real property described above is purported to be:2324 SOUTH JUDY AVENUE, FRESNO, CALIFORNIA 93727 APN#: 316-412-07 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $168,987.90. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site www.auction.com for information regarding the sale of this property, using the file number assigned to this case 00000006133375. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR TRUSTEE SALE INFORMATION PLEASE CALL:AUCTION.COM, LLC 800-280-2832 www.auction.com BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. BARRETT DAFFIN FRAPPIER

TREDER and WEISS, LLP as Trustee 20955 Pathfinder Road, Suite 300 Diamond Bar, CA 91765 (866) 795-1852 Dated: 12/13/2016 A-4602486 12/23/2016, 12/30/2016, 01/06/201712/23/2016, 12/30/2016, 01/06/2017-----------------------------------

TSG No.: 8670537 TS No.: CA1600275772 FHA/VA/PMI No.: 0484461231 APN: 463-023-02 Property Address: 4943 E KERCKHOFF AVE FRESNO, CA 93727-3740 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 03/01/2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 01/12/2017 at 10:00 A.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 03/08/2007, as Instrument No. 2007-0048036, in book , page , , of Official Records in the office of the County Recorder of FRESNO County, State of California. Executed by: STACY SCHREINER, AN UNMARRIED WOMAN, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) At the Van Ness Avenue exit from the County Courthouse at 1100 Van Ness Avenue, Fresno, CA 93724 All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 463-023-02 The street address and other common designation, if any, of the real property described above is purported to be: 4943 E KERCKHOFF AVE, FRESNO, CA 93727-3740 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $101,503.05. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and if applicable, the rescheduled time and date for the sale of this property, you may call (916)939-0772 or visit this Internet Web http://search.nationwideposting.com/propertySearchTerms.aspx, using

the file number assigned to this case CA1600275772 Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. Date: First American Title Insurance Company 1500 Solana Blvd Bldg 6 Ste 6100 Westlake, TX 76262 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE FOR TRUSTEES SALE INFORMATION PLEASE CALL (916)939-0772NPP0297707 To: FRESNO BUSINESS JOURNAL 12/23/2016, 12/30/2016, 01/06/201712/23/2016, 12/30/2016, 01/06/2017-----------------------------------

T.S. No. 047473-CA APN: 313-081-06 NOTICE OF TRUSTEE’S SALE Pursuant to CA Civil Code 2923.3 IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 8/1/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 1/24/2017 at 10:30 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 8/11/2005, as Instrument No. 2005-0183524, of Official Records in the office of the County Recorder of Fresno County, State of CALIFORNIA executed by: STEVEN B. STROTHER AND ZITA A. STROTHER, HUSBAND AND WIFE, AS COMMUNITY PROPERTY WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE VAN NESS AVENUE EXIT FROM THE COUNTY COURTHOUSE, 1100 VAN NESS, FRESNO, CA 93724 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: Parcel 2 of Parcel Map No. 3023, recorded November 23, 1976 in Book 22, Page 57 of Parcel Maps, Fresno County Records. The street address and other common designation, if any, of the real property described above is purported to be: 7177 EAST TULARE AVENUE FRESNO, CA 93727 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $351,642.41 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may

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be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 047473-CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive Suite 200 San Diego, California 9211712/23/2016, 12/30/2016, 01/06/2017-----------------------------------

APN: 510-140-07 TS No: CA09000365-16-1 TO No: 95310581 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d)(2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED October 12, 2012. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On January 25, 2017 at 09:00 AM, West Entrance to the County Courthouse Breezeway, Fresno Superior Courthouse, 1100 Van Ness Avenue, Fresno, CA 93724, MTC Financial Inc. dba Trustee Corps, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded on October 18, 2012 as Instrument No. 2012-0150607-00, of official records in the Office of the Recorder of Fresno County, California, executed by DANIEL L. VILLARREAL AND KATHLEEN A. VILLARREAL, HUSBAND AND WIFE AS JOINT TENANTS, as Trustor(s), in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC. as nominee for SUBURBAN MORTGAGE COMPANY OF NEW MEXICO DBA INTERCAP LENDING as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 5875 WEST SANTA ANA AVENUE, FRESNO, CA 93722 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee’s Sale is estimated to be $181,497.14 (Estimated). However, prepayment premiums, accrued interest and advances will increase this figure

prior to sale. Beneficiary’s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call Auction.com at 800.280.2832 for information regarding the Trustee’s Sale or visit the Internet Web site address www.Auction.com for information regarding the sale of this property, using the file number assigned to this case, CA09000365-16-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: December 17, 2016 MTC Financial Inc. dba Trustee Corps TS No. CA09000365-16-1 17100 Gillette Ave Irvine, CA 92614 Phone:949-252-8300 TDD: 866-660-4288 Myron Ravelo, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ONLINE AT www.Auction.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: Auction.com at 800.280.2832 Trustee Corps may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose.ISL Number 26349, Pub Dates: 12/23/2016, 12/30/2016, 01/06/2017, FRESNO BUSINESS JOURNAL12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

TSG No.: 8607409 TS No.: CA1500272033 FHA/VA/PMI No.: APN: 401-534-19S Property Address: 1020 E PENNSYLVANIA AVE FRESNO, CA 93720-4033 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 08/13/2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 01/12/2017 at 10:00 A.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 08/24/2007, as Instrument No. 2007-0160412, in book , page , , of Official Records in the office of the County Recorder of FRESNO County, State of California. Executed by: GLORIA KHATTAIE, AN UNMARRIED WOMAN, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH

EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) At the Van Ness Avenue exit from the County Courthouse at 1100 Van Ness Avenue, Fresno, CA 93724 All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 401-534-19S The street address and other common designation, if any, of the real property described above is purported to be: 1020 E PENNSYLVANIA AVE, FRESNO, CA 93720-4033 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $224,821.85. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and if applicable, the rescheduled time and date for the sale of this property, you may call (916)939-0772 or visit this Internet Web http://search.nationwideposting.com/propertySearchTerms.aspx, using the file number assigned to this case CA1500272033 Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. Date: First American Title Insurance Company 1500 Solana Blvd Bldg 6 Ste 6100 Westlake, TX 76262 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE FOR TRUSTEES SALE INFORMATION PLEASE CALL (916)939-0772NPP0298665 To: FRESNO BUSINESS JOURNAL 12/23/2016, 12/30/2016, 01/06/201712/23/2016, 12/30/2016, 01/06/2017-----------------------------------

NOTICE OF TRUSTEE’S SALE TS No. CA-16-746056-BF Order No.: 8667726 NOTE: THERE IS A SUMMARY OF THE INFORMATION

IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 2/9/2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): SHANN M. CONNER AND MICHAEL R. CONNER, WIFE AND HUSBAND Recorded: 2/21/2007 as Instrument No. 2007-0035694 of Official Records in the office of the Recorder of FRESNO County, California; Date of Sale: 1/25/2017 at 9:00 AM Place of Sale: At the Fresno Superior Courthouse, 1100 Van Ness Avenue, Fresno, CA 93724. At the West Entrance to the County Courthouse Breezeway Amount of unpaid balance and other charges: $424,410.35 The purported property address is: 3544 PRESCOTT AVENUE, CLOVIS, CA 93619 Assessor’s Parcel No.: 558-120-27 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-746056-BF . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall

have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 800-280-2832 O r Login to: http://www.qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-746056-BF IDSPub #0119761 12/30/2016 1/6/2017 1/13/201712/30/2016, 01/06/2017, 01/13/2017-----------------------------------

APN: 437-221-16 T.S. No.: 2015-2451 NOTICE OF TRUSTEE’S SALE. YOU ARE IN DEFAULT UNDER A DEED OF TRUST AND ASSIGNMENT OF RENTS DATED 11/16/1994. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state of national bank, check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 of the Financial Code and authorized to do business in this state will be held by the duly appointed trustee as shown below, of all right, title, and interest conveyed to and now held by the trustee in the hereinafter described property under and pursuant to a Deed of Trust described below. The sale will be made, but without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges, and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. Trustor: CHERRI LEE WELLS DIX, A MARRIED WOMAN AS HER SOLE AND SEPARATE PROPERTY Duly Appointed Trustee: S.B.S. TRUST DEED NETWORK, A CALIFORNIA CORPORATION recorded 11/23/1994, as Instrument No. 94177363, in book XX, page, XX of Official Records in the office of the Recorder of FRESNO County, California. Date of Sale: 01/23/2017 Time: 10:00 AM Place of Sale: AT THE W. ENTRANCE TO THE COUNTY COURTHOUSE BREEZEWAY 1100 VAN NESS, FRESNO, CA 93724. Amount of unpaid balance and other charges: $560,361.26 Property being sold “as in - Where is” Street Address or other common designation of real property: 3436 N. FIRST ST., FRESNO, CA 93726. A.P.N.: 437-221-16. The North 146 feet of the West 455.72 feet of the South half of the North half of the Southwest quarter of the Southwest quarter of Section 23, Township 13 South, Range 20 East, Mount Diablo Base and Meridian, according to the Official Plat thereof. THE BENEFICIARY MAY ELECT, IN ITS DISCRETION, TO EXERCISE ITS RIGHTS AND REMEDIES IN ANY MANNER PERMITTED UNDER SECTION 9604 OF THE CALIFORNIA COMMERCIAL CODE, OR ANY OTHER APPLICABLE SECTION; AS TO ALL OR SOME OF THE PERSONAL PROPERTY, FIXTURES AND OTHER GENERAL TANGIBLES AND INTANGIBLES MORE PARTICULARY DESCRIBED IN THE DEED OF TRUST, GUARANTEES, UCC’S, SECURITY AGREEMENTS. The undersigned Trustee disclaims any liability for any incorrectness of the street address or other common designation, if any, shown above. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this

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22 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call FOR SALES INFORMATION, PLEASE CALL (855)986-9342, or visit this Internet Web site www.superiordefault.com using the file number assigned to this case 2015-2451. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: 12/15/2016. S.B.S. TRUST DEED NETWORK, A CALIFORNIA CORPORATION. 31194 La Baya Drive, Suite 106, Westlake Village, California, 91362 (818)991-4600. By: Colleen Irby, Trustee Sale Officer. WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THAT PURPOSE. (12/30/16, 01/06/17, 01/13/17 TS#-2015-2451 SDI-4179)12/30/2016, 01/06/2017, 01/13/2017-----------------------------------

T.S. No. 047678-CA APN: 300-390-02 NOTICE OF TRUSTEE’S SALE Pursuant to CA Civil Code 2923.3 IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 7/20/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 1/24/2017 at 10:30 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 7/25/2005, as Instrument No. 2005-0165768, of Official Records in the office of the County Recorder of Fresno County, State of CALIFORNIA executed by: JACK L VREELAND AND KAREN A VREELAND, HUSBAND AND WIFE AS JOINT TENANTS WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE VAN NESS AVENUE EXIT FROM THE COUNTY COURTHOUSE, 1100 VAN NESS, FRESNO, CA 93724 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 17615 PARKCLIFFE LN FRIANT, CA 93626 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust. The total amount of the unpaid balance

of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $102,182.72 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 047678-CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive Suite 200 San Diego, California 9211712/30/2016, 01/06/2017, 01/13/2017-----------------------------------

APN: 428-191-02 TS No: CA08003789-15-1 TO No: 95308843-55 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d)(2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED March 5, 2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On January 24, 2017 at 02:00 PM, at the Van Ness Avenue exit from the County Courthouse, 1100 Van Ness, Fresno, CA 93721, MTC Financial Inc. dba Trustee Corps, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust recorded on March 16, 2007 as Instrument No. 2007-0054869, of official records in the Office of the Recorder of Fresno County, California, executed by ALFRED P. LOPEZ, AND CYNTHIA A. LOPEZ, HUSBAND AND WIFE AS JOINT TENANTS, as Trustor(s), in favor of WASHINGTON MUTUAL BANK as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 3127 E HOLLAND AVENUE, FRESNO, CA 93726 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by

said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee’s Sale is estimated to be $253,943.46 (Estimated). However, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary’s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call In Source Logic at 702-659-7766 for information regarding the Trustee’s Sale or visit the Internet Web site address listed below for information regarding the sale of this property, using the file number assigned to this case, CA08003789-15-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: December 21, 2016 MTC Financial Inc. dba Trustee Corps TS No. CA08003789-15-1 17100 Gillette Ave Irvine, CA 92614 Phone: 949-252-8300 TDD: 866-660-4288 Miguel Ochoa, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www.insourcelogic.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: In Source Logic AT 702-659-7766 Trustee Corps may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose.ISL Number 26573, Pub Dates: 12/30/2016, 01/06/2017, 01/13/2017, FRESNO BUSINESS JOURNAL12/30/2016, 01/06/2017, 01/13/2017-----------------------------------

CIVIL (1)NOTICE AND CITATION TOPARENT FOR APPEARANCE ATHEARING.W&I Code §366.26 Hearing: 03-23-2017Time: 8:00 A.M.; DEPT: 22SUPERIOR COURT OF CALIFORNIA,COUNTY OF FRESNOJUVENILE COURT

Case No.: 16-300201In The Matter OfNAZARIAHA HARTLEYDOB: 10-19-2014MinorTO: UNKNOWN FATHER, FATHER OF THE MINOR, AND TO ANY AND ALL PERSONS CLAIMING TO BE THE FATHER OF THE MINOR.This is to notify you that you are cited to appear at the hearing below, pursuant to Welfare and Institutions Code §366.23 and §366.26:DATE: MARCH 23, 2017TIME: 8:00 A.M.PLACE: Department 22 Juvenile Dependency Court, 1100 Van Ness, Fresno, California 93724-0002PLEASE TAKE NOTICE THAT AT THIS HEARING FRESNO COUNTY, THROUGH ITS DEPARTMENT OF SOCIAL SERVICES, WILL RECOMMEND TO THE COURT THAT THE PARENTAL RIGHTS OF UNKNOWN FATHER, FATHER OF THE MINOR, AND TO ANY AND ALL PERSONS CLAIMING TO BE THE FATHER OF THE MINOR, BE TERMINATED AND THAT THE ABOVE MINOR BE FREED FOR ADOPTION.As the parent of the subject minor, you are cited to and may appear at Court as indicated above in order to express your opinion as to whether your parental rights should be terminated so that the minor can be adopted.This is also to advise you that you have certain legal rights and protections, including the right to oppose these proceedings. You have the right to hire an attorney of your choice to represent you. If you are unable to retain a lawyer, you may request that the judge appoint one for you, who shall be the Public Defender or a private attorney. If you cannot afford to pay the cost of legal counsel to represent you, the fee will be paid by Fresno County.This notice and citation is dated DEC 29, 2016.SHERAN MORTON,Clerk of the Court.By: ROBERTA HOLGUIN, Deputy.___________________________DISOBEDIENCE TO THIS CITATION BY FAILING TO APPEAR MAY SUBJECT THE PARTY SERVED TO ARREST AND PUNISHMENT FOR CONTEMPT OF COURT.___________________________FRESNO COUNTY DEPARTMENT OF SOCIAL SERVICES, 2135 Fresno Street, Suite 403, Fresno CA 93721 Telephone Number: (559) 600-1975, PETITIONER COUNTY OF FRESNO, Acting by and through its DEPARTMENT OF SOCIAL SERVICES.01/06/2017, 01/13/2017, 01/20/2017, 01/27/2017-----------------------------------

SUMMONS. Notice to Defendants: BRIAN H. ROSENE, an individual; RANDY L. CUNNINGHAM, an individual; and Does 1 to 50, inclusive. You are being sued by Plaintiff: City of Fresno, a municipal corporation; and People of the State of California. NOTICE! You have been sued. The court may decide against you without your being heard unless you respond within 30 days. Read the information below. You have 30 CALENDAR DAYS after this summons and legal papers are served on you to file a written response at this court and have a copy served on the plaintiff. A letter or phone call will not protect you. Your written response must be in proper legal form if you want the court to hear your case. There may be a court form that you can use for your response. You can find these court forms and more information at the California Courts Online Self-Help Center (www.courtinfo.ca.gov/selfhelp), your county law library, or the courthouse nearest you. If you cannot pay the filing fee, ask the court clerk for a fee waiver form. If you do not file your response on time, you may lose the case by default, and your wages, money, and property may be taken without further warning from the court. There are other legal requirements. You may want to call an attorney right away. If you do not know an attorney, you may want to call an attorney referral service. If you cannot afford an attorney, you may be eligible for free legal services from a nonprofit legal services program. You can locate these nonprofit groups at the California Legal Services Web site (www.lawhelpcalifornia.org), the California Courts Online Self-Help Center (www.courtinfo.ca.gov/selfhelp), or by contacting your local court or county bar association. NOTE: The court has a statutory lien for waived fees and costs on any settlement or arbitration award of $10,000 or more in a civil case. The court’s lien must be paid before the court will dismiss the case. The name and address of the court is: Fresno Superior Court, B.F. Sisk Courthouse,

1130 “O” Street, Fresno, CA 93721. CASE NUMBER: 16CECG01589. The name, address, and telephone number of plaintiff’s attorney, or plaintiff without an attorney, is: Douglas T. Sloan, City Attorney, City of Fresno, By: Felicia A. Espinosa, Deputy City Attorney, 2600 Fresno St., Room 2031, Fresno, CA 93721-3602. DATE: May 18, 2016 Clerk, by L. Esparza, Deputy.12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

NOTICE AND CITATION TOPARENT FOR APPEARANCE ATHEARING.W&I Code §366.26 Hearing: 03-06-2017Time: 8:00 A.M.; DEPT: 21SUPERIOR COURT OF CALIFORNIA,COUNTY OF FRESNOJUVENILE COURTCase No.: 13-300230In The Matter OfAVA COX WULFDOB: 07-27-2016MinorTO: CHAD COX, FATHER OF THE MINOR, AND TO ANY AND ALL PERSONS CLAIMING TO BE THE FATHER OF THE MINOR.This is to notify you that you are cited to appear at the hearing below, pursuant to Welfare and Institutions Code §366.23 and §366.26:DATE: MARCH 06, 2017TIME: 8:00 A.M.PLACE: Department 21 Juvenile Dependency Court, 1100 Van Ness, Fresno, California 93724-0002PLEASE TAKE NOTICE THAT AT THIS HEARING FRESNO COUNTY, THROUGH ITS DEPARTMENT OF SOCIAL SERVICES, WILL RECOMMEND TO THE COURT THAT THE PARENTAL RIGHTS OF CHAD COX, FATHER OF THE MINOR, AND TO ANY AND ALL PERSONS CLAIMING TO BE THE FATHER OF THE MINOR, BE TERMINATED AND THAT THE ABOVE MINOR BE FREED FOR ADOPTION.As the parent of the subject minor, you are cited to and may appear at Court as indicated above in order to express your opinion as to whether your parental rights should be terminated so that the minor can be adopted.This is also to advise you that you have certain legal rights and protections, including the right to oppose these proceedings. You have the right to hire an attorney of your choice to represent you. If you are unable to retain a lawyer, you may request that the judge appoint one for you, who shall be the Public Defender or a private attorney. If you cannot afford to pay the cost of legal counsel to represent you, the fee will be paid by Fresno County.This notice and citation is dated DEC 12, 2016.SHERAN MORTON,Clerk of the Court.By: R OLGUIN, Deputy.___________________________DISOBEDIENCE TO THIS CITATION BY FAILING TO APPEAR MAY SUBJECT THE PARTY SERVED TO ARREST AND PUNISHMENT FOR CONTEMPT OF COURT.___________________________FRESNO COUNTY DEPARTMENT OF SOCIAL SERVICES, 2135 Fresno Street, Suite 403, Fresno CA 93721 Telephone Number: (559) 600-1975, PETITIONER COUNTY OF FRESNO, Acting by and through its DEPARTMENT OF SOCIAL SERVICES.12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

ORDER TO SHOW CAUSEFOR CHANGE OF NAMESUPERIOR COURT OF CALIFORNIA, COUNTY OF: FRESNOCIVIL DIVISION1130 “O” STREETFRESNO, CA 93724PETITION OF: Ian Sebastian Higuera:FOR CHANGE OF NAMECASE NUMBER:16 CE CG 04098TO ALL INTERESTED PERSONS:1. Petitioner: Ian Sebastian Higuera filed a petition with this court for a decree changing names as follows:Present name: a. Ian Sebastian Higuera to Proposed name: Ian Sebastian Alvarado.2. THE COURT ORDERS all persons interested in this matter shall appear before this court at the hearing indicated below to show cause, if any, why the petition for change of name should not be granted. Any person objecting to the

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name changes described above must file a written objection that includes the reasons for the objection at least two court days before the matter is scheduled to be heard and must appear at the hearing to show cause why the petition should not be granted. If no written objection is timely filed, the court may grant the petition without a hearing.a. Date: 2/21/2017, Time: 9:00 A.M. Dept: 404.b. The address of the court is: 1130 “O” StreetFresno, CA 93724Department 401 is located at the Sisk Building, 4th floor, 1130 “O” St., Fresno3. a. A copy of this Order to Show Cause shall be published at least once each week for four successive weeks prior to the date set for hearing on the petition in the following newspaper of general circulation, printed in this county: THE BUSINESS JOURNAL.Date: DEC 23, 2016LISA M. GAMOIAN, Judge of the Superior Court.PETITIONER OR ATTORNEY: Ian Sebastian Higuera6386 R BralyFresno, CA 93727ATTORNEY FOR:IN PRO PER12/30/2016, 01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

PROBATE

(1)NOTICE OF PETITION TOADMINISTER ESTATE OFJOSEPH M. LEONARDCASE NO: 16 CEPR 01318To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of Joseph M. LeonardA Petition for Probate has been filed by Jessica Gates in the Superior Court of California, County of FRESNO.The Petition for Probate requests that Jessica Gates be appointed as personal representative to administer the estate of the decedent.The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.A hearing on the petition will be held in this court as follows:February 8, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93724CENTRALIf you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from

the court clerk.Attorney for petitioner:STEVEN L. SHAHBAZIAN #062733Attorney at Law7600 N. Ingram Ave., Ste. 131Fresno, California 93711(559) 241-700001/06/2017, 01/11/2017, 01/20/2017-----------------------------------

(1)NOTICE OF PETITION TOADMINISTER ESTATE OFJERRY J. PRUDEKCASE NO: 16 CE PR 01320To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of JERRY J. PRUDEKA Petition for Probate has been filed by JACK J. PRUDEK in the Superior Court of California, County of FRESNO.The Petition for Probate requests that JACK J. PRUDEK be appointed as personal representative to administer the estate of the decedent.The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.A hearing on the petition will be held in this court as follows:February 8, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93724If you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.Attorney for petitioner:HUGH W. WILLOUGHBYAttorney at Law264 Clovis Ave., #105Clovis, CA 93612(559) 324-653501/06/2017, 01/11/2017, 01/20/2017-----------------------------------

(1)NOTICE OF PETITION TOADMINISTER ESTATE OFVirginia SudaCASE NO: 16CEPR01317To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of Virginia SudaA Petition for Probate has been filed by Barbara Barlow in the Superior Court of California, County of FRESNO.The Petition for Probate requests that Barbara Barlow be appointed as personal representative to administer the estate of the decedent.The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they

have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.A hearing on the petition will be held in this court as follows:February 14, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93721ProbateIf you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.Attorney for Petitioner:Lawvex, Inc.Gary L. Winter, Esq. SBN 2444692565 Alluvial Avenue, Suite 102Clovis, CA 93611(888) 308-700301/06/2017, 01/11/2017, 01/20/2017-----------------------------------

(1)NOTICE OF PETITION TOADMINISTER ESTATE OFCarol L. JohnsonCASE NO: 16CEPR01281To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of Carol L. JohnsonA Petition for Probate has been filed by Carrie L. Sanders in the Superior Court of California, County of FRESNO.The Petition for Probate requests that Carrie L. Sanders be appointed as personal representative to administer the estate of the decedent.The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.A hearing on the petition will be held in this court as follows:January 25, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93721If you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable

in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.Attorney for petitioner:Andrew S. Kucera (SBN 292817)Palmer Kucera LLP725 Pollasky Avenue, Suite 101Clovis, California 93612(559) 900-280601/06/2017, 01/11/2017, 01/20/2017-----------------------------------

NOTICE OF PETITION TOADMINISTER ESTATE OFFelix CastroCASE NO: 16 CE PR 01166To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of Felix CastroA Petition for Probate has been filed by Teresa J. Goff in the Superior Court of California, County of FRESNO.The Petition for Probate requests that Teresa J. Goff be appointed as personal representative to administer the estate of the decedent.The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.A hearing on the petition will be held in this court as follows:February 1, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93724If you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.Attorney for petitioner:CATHERINE A. AMADOR 144211PASCUZZI, PASCUZZI & STOKER2377 WEST SHAW AVENUE, SUITE 101FRESNO, CA 93711(559) 227-110012/23/2016, 12/30/2016, 01/06/2017-----------------------------------

NOTICE OF PETITION TOADMINISTER ESTATE OFDAVID JOHN PRETASKYCASE NO: 16CEPR01272To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of DAVID JOHN PRETASKY; DAVID PRETASKY; DAVID J. PRETASKYA Petition for Probate has been filed by KATHLEEN BAKER in the Superior Court of California, County of FRESNO.The Petition for Probate requests that KATHLEEN BAKER be appointed as personal representative to administer the

estate of the decedent.The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.The petition requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.A hearing on the petition will be held in this court as follows:January 26, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93724If you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.Attorney for petitioner:RICHARD KIMBELL; SBN 71486ATTORNEY AT LAW322 WEST CENTER STREETYREKA CA 96097(530) 842-160512/23/2016, 12/30/2016, 01/06/2017-----------------------------------

NOTICE OF PETITION TOADMINISTER ESTATE OFDONALD R. KACHUCKCASE NO: 16CEPR 01251To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of DONALD R. KACHUCKA Petition for Probate has been filed by JANET HOWELL in the Superior Court of California, County of FRESNO.The Petition for Probate requests that JANET HOWELL be appointed as personal representative to administer the estate of the decedent.The petition requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.A hearing on the petition will be held in this court as follows:January 19, 2017, 9:00 A.M., Dept.: 3031130 “O” Street, 3rd Floor - Dept. 303Fresno, California 93724MAINIf you object to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.If you are a creditor or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code. Other California statutes

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24 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017

and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.You may examine the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.Attorney for petitioner:JANET HOWELL3110 W. FLORADORAFRESNO, CA 93724(559) 709-0353IN PRO PER12/30/2016, 01/06/2017, 01/13/2017-----------------------------------

FICTITIOUS (1) FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006741The following person(s) is (are) conducting business asCreative Minds Learning Center at 7511 N. Palm Bluffs Avenue, Suite #104, Fresno, CA 93711, Fresno County:Full Name of Registrant:Creative Minds Learning Center, LLC, 7511 N. Palm Bluffs Avenue, Suite 104, Fresno, CA 93711.Registrant commenced to transact business under the Fictitious Business Name listed above on: 08/12/2011.This business conducted by: Limited Liability Co.Articles of Incorporation Number: 201112510030.Eric Jans, Secretary.This statement filed with the Fresno County Clerk on: 12/19/2016. (Seal)BRANDI L. ORTH,COUNTY CLERK.By: CHRYSTAL L. BABCOCK, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”01/06/2017, 01/13/2017, 01/20/2017, 01/27/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006523The following person(s) is (are) conducting business asONEALS CUSTOMS at 1261 HOBLITT AVE. UNIT 203, CLOVIS, CA 93612 FRESNO COUNTY, Phone (760) 906-1813:Mailing Address:4905 E. FILLMORE AVE., FRESNO CA 93727;Full Name of Registrant:KENNETH ONEAL, 4905 E. FILLMORE AVE., FRESNO, CA 93727, Phone (760) 906-1813BRANDY ONEAL, 4905 E. FILLMORE AVE., FRESNO, CA 93727, Phone (760) 792-0065.Registrant commenced to transact business under the Fictitious Business Name listed above on: 12/07/2016.This business conducted by: MARRIED COUPLE. BRANDY ONEAL, OWNER.This statement filed with the Fresno County Clerk on: 12/08/2016. (Seal)BRANDI L. ORTH,COUNTY CLERK.By: RACHEL CABRAL, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006471The following person(s) is (are) conducting business asC & N Auto Sales, LLC at 7596 N. Carnegie Ave., Fresno, CA 93722, FRESNO COUNTY:Full Name of Registrant:C & N AUTO SALES, LLC, 7596 N. Carnegie Ave., Fresno, CA 93722, Phone

(831) 601-3898.Registrant commenced to transact business under the Fictitious Business Name listed above on: Nov. 18, 2016.This business conducted by: LIMITED LIABILITY CO.Articles of Incorporation Number: 201631010068Cynthia Gallo, President.This statement filed with the Fresno County Clerk on: 12/06/2016 . (Seal)BRANDI L. ORTH,COUNTY CLERK.By: ANGELA DELGADO, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006575The following person(s) is (are) conducting business asKOJA KITCHEN CA 07 at 7785 N PALM AVE #101, FRESNO, CA 93711 FRESNO COUNTY, Phone (559) 355-5550:Mailing Address:161 HOUSTON AVE, CLOVIS, CA 93611;Full Name of Registrant:MIKE HUU NGUYEN, 11218 PADDOCK AVE, BAKERSFIELD, CA 93312, Phone (661) 699-9155TOM THUY LAI, 5584 CHESBRO AVE, SAN JOSE, CA 95123VAN THANH NGO, 161 HOUSTON AVE, CLOVIS, CA 93611.Registrant commenced to transact business under the Fictitious Business Name listed above on: 12/12/2016.This business conducted by: LIMITED LIABILITY CO.Articles of Incorporation Number: 201602210463MIKE H. NGUYEN, SECRETARY.This statement filed with the Fresno County Clerk on: 12/12/2016. (Seal)BRANDI L. ORTH,COUNTY CLERK.By: RACHEL CABRAL, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006550The following person(s) is (are) conducting business asDEMO D DO IT ALL at 36912 KENNETH AVE, MADERA CA 93636, MADERA COUNTY, Phone (559) 387-0783:Mailing Address:36912 KENNETH AVE, MADERA, CA 93636;Full Name of Registrant:DEREK PODERGOIS, 36912 KENNETH AVE, MADERA, CA 93636, Phone (559) 387-0783.Registrant commenced to transact business under the Fictitious Business Name listed above on: 12/09/2016.This business conducted by: INDIVIDUAL.DEREK PODERGOIS, OWNER.This statement filed with the Fresno County Clerk on: 12/09/2016. (Seal)BRANDI L. ORTH,COUNTY CLERK.By: RACHEL CABRAL, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006493The following person(s) is (are) conducting business asFAMILY FIRST PHARMACY at 4859 E. KINGS CANYON ROAD, FRESNO, CA 93727 FRESNO COUNTY, Phone (909) 827-9107:Mailing Address:4859 E. KINGS CANYON ROAD, FRESNO, CA 93727;

Full Name of Registrant:FAMILY FIRST PHARMACY INC, 1833 COLIN CT, YUBA CITY, CA 95993, Phone (909) 827-9107.Registrant has not yet commenced to transact business under the Fictitious Business Name listed above.This business conducted by: CORPORATION.Articles of Incorporation Number: C3915011HOWIE TANG, PRESIDENT.This statement filed with the Fresno County Clerk on: 12/07/2016. (Seal)BRANDI L. ORTH,COUNTY CLERK.By: RACHEL CABRAL, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/16/2016, 12/23/2016, 12/30/2016, 01/06/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENTFile No. 2201610006510The following person(s) is(are) conducting business as:Dynavin USA, 2385 S. Sarah St., Fresno, CA 93706, County of FresnoRegistrant:J and T Distributing Inc., 2385 S. Sarah St., Fresno, CA 93706Registrant commenced to transact business under the Fictitious Business Name(s) listed above on: N/AThis business is conducted by: CorporationArticles of Incorporation: C3608990This Statement has been executed pursuant to section 17919 of the Business and Professionals code.I declare that all information in this statement is true and correct. (A registrant who declares as true information, false declarations are a misdemeanor punishable by a fine up to $1,000).S/ Jeff Bechtel, PresidentFiled with the Fresno County Clerk on December 8, 2016.A new Fictitious Business Name Statement must be filed before the expiration.The filing of this statement does not of itself authorize the use in this state of a Fictitious Business Name in violation of the rights of another under Federal, State, or common law (See Section 14411 et seq., Business and Professions Code).New Filing12/23, 12/30/16, 1/6, 1/13/17CNS-2957895#FRESNO BUSINESS JOURNAL12/23/2016, 12/30/2016, 01/06/2017, 01/13/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENTFile No. 2201610006563The following person(s) is(are) conducting business as:Cool Hand Luke’s Catering, 185 W Polson, Clovis, CA 93612, County of FresnoRegistrant:Juan Villicana, 185 W Polson, Clovis, CA 93612William Wyrick, 185 W Polson, Clovis, CA 93612Registrant commenced to transact business under the Fictitious Business Name(s) listed above on: N/AThis business is conducted by: General PartnershipThis Statement has been executed pursuant to section 17919 of the Business and Professionals code.I declare that all information in this statement is true and correct. (A registrant who declares as true information, false declarations are a misdemeanor punishable by a fine up to $1,000).S/ William Wyrick, General PartnerFiled with the Fresno County Clerk on December 9, 2016.A new Fictitious Business Name Statement must be filed before the expiration.The filing of this statement does not of itself authorize the use in this state of a Fictitious Business Name in violation of the rights of another under Federal, State, or common law (See Section 14411 et seq., Business and Professions Code).New Filing12/23, 12/30/16, 1/6, 1/13/17CNS-2957899#FRESNO BUSINESS JOURNAL12/23/2016, 12/30/2016, 01/06/2017, 01/13/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENTFile No. 2201610006708

The following person(s) is(are) conducting business as:Leticia Farms, 12646 Kamm Ave., Kingsburg, CA 93662, County of FresnoRegistrant:Leticia Gordillo, 2645 Lewis St., Selma, CA 93662Registrant commenced to transact business under the Fictitious Business Name(s) listed above on: 01/16/2016This business is conducted by: IndividualThis Statement has been executed pursuant to section 17919 of the Business and Professionals code.I declare that all information in this statement is true and correct. (A registrant who declares as true information, false declarations are a misdemeanor punishable by a fine up to $1,000).S/ Leticia Gordillo, OwnerFiled with the Fresno County Clerk on December 16, 2016.A new Fictitious Business Name Statement must be filed before the expiration.The filing of this statement does not of itself authorize the use in this state of a Fictitious Business Name in violation of the rights of another under Federal, State, or common law (See Section 14411 et seq., Business and Professions Code).New Filing12/30/16, 1/6, 1/13, 1/20/17CNS-2959820#FRESNO BUSINESS JOURNAL12/30/2016, 01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006679The following person(s) is (are) conducting business asSIM-PBK at 7591 N. Ingram Ave Ste 101 Fresno, CA 93711, Fresno County Phone (559) 448-8400:Full Name of Registrant:Smith Iwanaga Milhous Architects a Professional Corporation in California, 7591 N. Ingram Ave Ste 101, Fresno, CA 93711, Phone (559) 448-8400.Registrant commenced to transact business under the Fictitious Business Name listed above on: 01/01/2016.This business conducted by: Corporation.Articles of Incorporation Number: C1678281David M. Iwanaga, President.This statement filed with the Fresno County Clerk on: DEC 15 2016. (Seal)BRANDI L. ORTH,County Clerk.By: RACHEL CABRAL, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/30/2016, 01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006800The following person(s) is (are) conducting business asSIM+PBK at 7591 N. Ingram Avenue, Suite 101, Fresno, CA 93711, Fresno County Phone (559) 448-8400:Full Name of Registrant:Smith Iwanaga Milhous Architects, a Professional Corporation, 7591 N. Ingram Avenue, Suite 101 Fresno, CA 93711, Phone (559) 448-8400.Registrant commenced to transact business under the Fictitious Business Name listed above on: 12/22/2016.This business conducted by: Corporation.Articles of Incorporation Number: C1678281David M. Iwanaga, President.This statement filed with the Fresno County Clerk on: 12/22/2016. (Seal)BRANDI L. ORTH,County Clerk.By: CHRYSTAL L. BABCOCK, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/30/2016, 01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENT File No. 2201610006634The following person(s) is (are) conducting business asFresno Dental Professionals at 6099 N. First Street, Suite 104, Fresno, CA 93710, Fresno County Phone (559) 431-1400:

Full Name of Registrant:Grabe, Moss, Julian & Asselin, D.D.S., a Professional Corporation, 6099 N. First Street, Suite 104, Fresno, CA 93710, Phone (559) 431-1400.Registrant commenced to transact business under the Fictitious Business Name listed above on: Jan 05, 2012.This business conducted by: A Corporation.Articles of Incorporation Number: C0774268Jeremy E Grabe, President.This statement filed with the Fresno County Clerk on: 12/14/2016. (Seal)BRANDI L. ORTH,County Clerk.By: CHRYSTAL L. BABCOCK, Deputy. “NOTICE - THIS FICTITIOUS NAME STATEMENT EXPIRES FIVE YEARS FROM THE DATE IT WAS FILED IN THE OFFICE OF THE COUNTY CLERK. A NEW FICTITIOUS BUSINESS NAME STATEMENT MUST BE FILED BEFORE THAT TIME.”12/30/2016, 01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

FICTITIOUS BUSINESS NAME STATEMENTFile No. 2201610006750The following person(s) is(are) conducting business as:Verizon Wireless, 645 East Shaw Avenue, Fresno, CA 93710, County of FresnoMailing address: Attn. Corporate Governance, One Verizon Way, Basking Ridge, NJ 07920Registrant:Verizon Wireless Services, LLC, One Verizon Way, Basking Ridge, NJ 07920Registrant commenced to transact business under the Fictitious Business Name(s) listed above on: May 2, 2001This business is conducted by: Limited Liability CompanyArticles of Incorporation: 200019610085This Statement has been executed pursuant to section 17919 of the Business and Professionals code.I declare that all information in this statement is true and correct. (A registrant who declares as true information, false declarations are a misdemeanor punishable by a fine up to $1,000).S/ Tom DiResta, Managing MemberFiled with the Fresno County Clerk on December 20, 2016A new Fictitious Business Name Statement must be filed before the expiration.The filing of this statement does not of itself authorize the use in this state of a Fictitious Business Name in violation of the rights of another under Federal, State, or common law (See Section 14411 et seq., Business and Professions Code).New filing12/30/16, 1/6, 1/13, 1/20/17CNS-2922328#FRESNO BUSINESS JOURNAL12/30/2016, 01/06/2017, 01/13/2017, 01/20/2017-----------------------------------

MISC.

(1)Crown Castle is proposing to install a 160-foot self-support telecommunications tower within a new 155-foot by 38-foot lease area with a new 12 foot wide access easement extending 25 feet northeast to South Cherry Avenue at the following site: 2115-2127 South G Street, Fresno, Fresno County, CA 93721, LAT: 36-43-14.64, LONG:-116-46-56.03. Crown Castle invites comments from any interested party on the impact of the proposed action on any districts, sites, buildings, structures or objects significant in American history, archaeology, engineering or culture that are listed or determined eligible for listing in the National Register of Historic Places and/or specific reason the proposed action may have a significant impact on the quality of the human environment. Specific information regarding the project is available by calling Andrew Cavalcant at 480-850-0575 during normal business hours. Comments must be received at 2121 W. Chandler Blvd, Suite 203, Chandler, AZ 85224 ATTN: Andrew Cavalcant within 30 days of the date of this publication.1/6/17CNS-2962102#FRESNO BUSINESS JOURNAL01/06/2017-----------------------------------

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(1)NOTICE OF PUBLIC HEARINGNOTICE IS HEREBY GIVEN that on the morning of Wednesday, January 18, 2017, beginning at 9:30 a.m., a public hearing will be conducted in the Sierra Conference Room of the Clovis Civic Center. The Planning Division will consider the following item: AUP2016-18, A request to approve an Administrative Use Permit to allow for an accessory structure to be greater than 12 feet in height for the property located at 3186 Kenosha Avenue. David Baisa, applicant; Ray Caniglia, owner.All interested parties are invited to appear at this time to present testimony in regard to the subject item. If you have questions or comments regarding this item, please contact Lily Cha at (559) 324-2335 or at lilyc@cityofclovis.com.Lily Cha, Assistant PlannerAgency File No.: AUP2016-18PUBLISH: January 6, 201701/06/2017-----------------------------------

(1)NOTICE OF INTENT TO ADOPT AMITIGATED NEGATIVE DECLARATIONNotice is hereby given that the County of Fresno has prepared Initial Study Application (IS) No. 7190 pursuant to the requirements of the California Environmental Quality Act for the following proposed project:INITIAL STUDY APPLICATION NO. 7190 and UNCLASSIFIED CONDITIONAL USE PERMIT APPLICATION NO. 3544 filed by TEMBLOR PETROLEUM COMPANY, LLC, proposing to allow a petroleum oil/gas production facility on a 1.6-acre portion of a 315.15-acre parcel in the AE-20 (Exclusive Agricultural, 20-acre minimum parcel size) Zone District. A prior exploratory gas well was approved for the site under Conditional Use Permit No. 3420. The subject parcel is located on the north side of Mount Whitney Avenue, between the Butte Avenue alignment and the Lake Avenue Alignment, approximately two miles west of the unincorporated community of Five Points (SUP. DIST. 1) (APN 050-080-11S). Adopt the Mitigated Negative Declaration prepared for Initial Study Application No. 7190, and approve Unclassified Conditional Use Permit No. 3544 with Findings and Conditions.(hereafter, the “Proposed Project”)The County of Fresno has determined that it is appropriate to adopt a Mitigated Negative Declaration for the Proposed Project. The purpose of this Notice is to (1) provide notice of the availability of IS Application No. 7190 and the draft Mitigated Negative Declaration, and request written comments thereon; and (2) provide notice of the public hearing regarding the Proposed Project.Public Comment PeriodThe County of Fresno will receive written comments on the Proposed Project and Mitigated Negative Declaration from January 6, 2017 through February 6, 2016.Email written comments to cmonfette@co.fresno.ca.us, or mail comments to:Fresno County Department of Public Works and PlanningDevelopment Services DivisionAttn: Christina Monfette2220 Tulare Street, Suite AFresno, CA 93721IS Application No. 7190 and the draft Mitigated Negative Declaration may be viewed at the above address Monday through Thursday, 9:00 a.m. to 5:00 p.m., and Friday, 8:30 a.m. to 12:30 p.m. (except holidays), or at www.co.fresno.ca.us/viewdocument.aspx?id= 71535. An electronic copy of the draft Mitigated Negative Declaration for the Proposed Project may be obtained from Christina Monfette at the addresses above.Public HearingThe Planning Commission will hold a public hearing to consider approving the Proposed Project and the Mitigated Negative Declaration on February 16, 2017, at 8:45 a.m., or as soon thereafter as possible, in Room 301, Hall of Records, 2281 Tulare Street, Fresno, California 93721. Interested persons are invited to appear at the hearing and comment on the Proposed Project and draft Mitigated Negative Declaration.For questions please call Christina Monfette (559) 600-4245.Published: January 6, 201701/06/2017-----------------------------------

(1)Caruthers Community Services DistrictWater Systems ImprovementsWater Treatment PlantRequest for BidsIn general, the Work consists of constructing a water treatment plant, backwash tank, reclaim system, water

treatment building, and electrical and controls improvements to support the water treatment plant facilities. The Work also includes constructing improvements at the Well No. 5 site, including replacement of the air system for the hydropneumatic tank and new PLC controls. The Work also includes the destruction and abandonment of facilities at the sites of Well No. 1, Well No. 2, and Well No. 4.1. Sealed bids will be received by the Caruthers Community Services District prior to 2:00 p.m. (local time) on January 31, 2017 at 13617 S. Raider Avenue, Caruthers, CA 93609, and following said deadline all bids will be publicly opened and read. Bids shall be submitted in a sealed envelope with the name of the bidder, the name of the project and the statement “Do Not Open Until the Time of Bid Opening.” Bids received after said deadline will be returned unopened to the bidder.2. A non-mandatory pre-bid meeting and project site tour will be held on January 12, 2017 at 2:00 p.m. beginning at the Caruthers Community Services District office. Contractors shall personally examine the project site prior to bidding.3. A full set of Bidding Documents is available for examination at the office of Provost & Pritchard Consulting Group, 286 W. Cromwell Ave., Fresno, CA 93711. Charges for documents will be as follows:Complete base set of full-size Bidding Documents (specifications and full-size drawings) $ 75.00Mailing, if required $ 15.00Charges are not refundable, whether the documents are returned or not.Bidding Documents may also be examined at 13617 S. Raider Avenue, Caruthers, CA 93609.4. Prevailing Wage Rates: Pursuant to Section 1770, California Labor Code, the successful Bidder shall pay not less than the prevailing rate of per diem wages as determined by the Director of California Department of Industrial Relations. A copy of such prevailing rate is on file at the offices of the Caruthers Community Services District, which copy will be made available for examination during business hours to any party on request:5. Bidders shall furnish a Bid Security with their Bidder’s Proposal in the amount of 10% of the base bid amount.6. OWNER reserves the right after opening Bids to reject any or all Bids, to waive any informality or non-responsiveness in a Bid, or to make award to the lowest responsive, responsible Bidder and reject all other Bids, as it may best serve the interest of the OWNER.7. Contractor’s License Classification: In accordance with the provisions of California Public Contract Code, Section 3300, Caruthers Community Services District has determined that CONTRACTOR shall possess a valid Class A Contractor’s License at the time of Bid opening and for the duration of the contract. Failure to possess the specified license shall render the Bid as non-responsive and shall act as a bar to award of the contract to any Bidder not possessing said license at the time of Bid opening.BY THE ORDER OF THE BOARD OF DIRECTORSOF THE CARUTHERS COMMUNITY SERVICES DISTRICTDate_(January 6, 2016) /s/ David McIntyre, District Manager01/06/2017-----------------------------------

(1)NOTICE OF PUBLIC LIEN SALEBusiness & Professional code S21700Notice is hereby given that a public lien sale of the following described personal property will be held at the hour of 8:00 A.M. on January 16, 2017 located at 1385 N. Maple Ave., Fresno, County of Fresno, State of California. The property is stored by Derrel’s Mini Storage, Inc.Brown, Gregg bumper car, chairs, Buchanan, Denise stroller, stereo, punch bag Carter, Evelyn weight bar, helmet, bicycle Coleman, Willie crates, car seats, dresser Cortes, Juan bicycles, lawn mower, tires Delgado, Andrew tool box, clothing, totes Echevarria, Ignacio dresser, speaker, totes Estrada, Leopoldo chairs, chairs, shelf Fierro, Jeannette couch, dryer, microwave Garcia, Jose stove, ladder, vacuum Gonzalez, Elizabeth washer, microwave, pc Gomez III, Joe R record player, toys, model cars Huggins, April tool box, ladder, dresser Jett, Priscilla vacuum, luggage, shelf Lee, Samantha tv, stereo, microwave Lopez, Jamie crates, shelving, table Lopez, Jamie dresser, speakers, totes Martinez, Ernesto stereo, shelf, sports equip Minardi, Ryan tote, table, tent Morales, Lynn trunk, crates, speakers Neal Jr, Harry table, tv, totes Padilla,

Rachael table, crate, totes Schaaf, Mary table, stereo, spray painter Smith, Larry tv, couch, fan Soto, Mateo garden tools, steamer, lawn mower Reyna, Maria G bicycle, stroller, clothing Taylor, Sherry table, bicycle, stereo Tyler, Lavender luggage, totes, clothing Torres, Betty vacuum, table, stove Velasquez, Felipe luggage, toys, kitchenware Veasey, Allison couch, washer, dryer Walker, Asaib luggage, totes, toys Whitaker, Desiree couch, table, shelfSigned: J Chavez Date: 12.14.1601/06/2017, 01/13/2017-----------------------------------

(1)NOTICE OF PUBLIC LIEN SALEBusiness & Professional code S21700Notice is hereby given that a public lien sale of the following described personal property will be held on January 18, 2017 at 8:00 A.M. located at 3330 E. Tulare Street, Fresno, County of Fresno, State of California. The property is stored by Derrel’s Mini Storage, Inc.Clearly, Johnny chair, fridge, tool box Garcia, Maria Delourdes chairs, bed frame, totes Garcia, Susan bike, clothes, toys Howlin, Arthur Lee clothes, chair, shoes Key, Connie ent, center, cabinet, tv Lopez, Paul dolly, toys, carpet cleaner Martinez, Elsie toys, tote, table Marquez, Salvador weights, bed frame, clothes Montano, Lucia dresser, shelf, heater Moultrie, Melissa clothes, bed frame, stools Palomera, Lizeth tv, crib, loveseat Prieto, Elaine luggage, bike, clothes Rodriguez, Monique tv, table, toilet Sustaita, Guadalupe Jose Jr dresser, tv, vacuum Thomas, Lovely movies, bed frame, cabinet Zinich, Athena heater, basket, tools Signed:V.Lashley Date: 12.28.1601/06/2017, 01/13/2017-----------------------------------

(1)NOTICE OF PUBLIC LIEN SALEPursuant to the California Self-Service Storage Facility Act, (B&P Code 21700et. seq.), the undersigned will sell at public auction, on January 20th, 2017 personal property including but not limited to business equipment, electronics, furniture, clothing, tools and/or other miscellaneous items located at:A-AMERICAN SELF STORAGE @ 10:00am at 2455 N Marks Ave, Fresno, CA 93722STORED BY THE FOLLOWING PERSONS:Richard OrozcoLisa Nitz (2)Mashanda HallRock WhitePrentis JacksonRichell HagyDavid GonzalesCharles KornickSherann ClayAngel SconiersRobert SouzaSandra Maria CaldwellGeorge WalkkiPete HinojosaMark L Fields JrPhilquisha PoeDaphne A BrownFavor GonzalesDonnie OwenVernon Lacy JrFloyd MosleyMelissa J LeonJada MarshallTony BuchananChelsea CopeRandy JamisonSteven ChavezBreeAnn MadrigalAllan KevorkianJamie M LeeMonique BrannenAngela AmatoRichard HillStacey A CaseboltRosalinda PerezBrianna JamesDetrick HillMelvin KiddLaquita PrinceKelly KeenanManuel S SanchesThomas SalaamDavid Collinge JrCatherine HicksJesse RodriguesAlvin WilliamsRudy ValdezCynthia Gersten DowdyShavahuan JohnsonChristina GarciaSally ManivongFelisha HawkinsGenoveva Soler (2)Maria NavarroAnna GonzalesAlex ColemanCicely Hollins (2)Benisha PhillipsLatoya TrujilloElaine Martinez

Samoyya LeeBrian BarlowVeronica RussellAntonette MartinezLashunda SmithAaron EllisApril StillwellEdgar StewartPatricia StewartB575 Sharice Mathis 2001 Chevrolet Coupe Monte Carlo 2 Door Midnight BlueAll sales are subject to prior cancellation. Terms, rules and regulations available at sale. By A-American Self Storage Management Co. Inc. (310)914-4022,Bond. #72BSBBU540001/06/2017, 01/13/2017-----------------------------------

REQUEST FOR INFORMATIONThe Fresno Superior Court is conducting a Request for Information to develop a list of qualified providers to operate supervised children’s waiting rooms at two downtown courthouse locations. For information please go to our website:www.fresno.courts.ca.gov/procurement12/30/2016, 01/06/2017-----------------------------------

NOTICE OF PUBLIC LIEN SALEBusiness & Professional code S21700Notice is hereby given that a public lien sale of the following described personal property will be held on January 09, 2017 to begin at 8:00 A.M. located at 100 E. Sierra Ave., Fresno, County of Fresno, State of California. The property is stored by Derrel’s Mini Storage, Inc.Bulgara, Rocky table, lamp, vacuum Crocket, Clay ladder, foot stool, shelf Crocket-Gallmon, Jacqueline totes, clothes, bed frame Hall, Doris chairs, bike, table Hunt, Jason chairs, toys, vacuum Martinez, Freddy computer, desk, clothes Mc Bee, Shannon totes, tv, bed frame Medrano, Kaylene speaker, tool box, tote Moreno, Eileen washer, fridge, recliner Moore, Destiney tv, washer, luggage Orosco, Victoria bike, cabinet, tool box Shelton, Robert tool box, cabinet, table Tindle, Bennett chairs, table, tote Tobar, Esther tv, tote, clothes Vasquez, Robin totes, bed frame, portable stove January 09, 2017 to begin at 9:00 A.M. locate d at 7695 N. Palm Ave, Fresno, County of Fresno State of California. Avalos, Edgar tv, table, linens Matthews, Alisha bicycles, luggage, clothing Morales, Jeffrey ladder, pots, bed set Schneider, Lawarence table, chairs, desk Young, Myisha desk, drawers, light fixturesSigned: V.Lashley & J Chavez Date: 12.14.1612/30/2016, 01/06/2017-----------------------------------

NOTICE OF PUBLIC SALE OF PERSONAL PROPERTYNotice is hereby given that pursuant to Section 21700 of the Business and Professions Code, State of California, the undersigned will sell at Public Auction by competitive bidding on January 13th, 2017 at 1:30 p.m. at Security Public Storage, 2633 W. Shaw Ave., Fresno, CA 93711, City of Fresno, County of Fresno, State of California. The goods, chattels or personal goods and property of the tenants/units listed below.A156 JUNE ANN BEARDB134 EVA TORRESB150 LOUIS B MARTINEZB206 PAULETTE B SANTOSE106 PORCHA BUSHE172 BRANDY MARIE CONELLF036 DESMOND M LOUISF112 JOEY ANTHONY REAG223 MERCEDES A ARELLANOG338 GLORIA AMPARANOH015 RICHARD J KENWORTHYH109 RICHARD J KENWORTHY H204 CRAIG C DERVISHIANH216 JAMES L McFADDENH225 DANIEL E LOGANH229 JUDITH LYNNE BERRYH230 TRINA M BEVINSH336 WILLOW A SHANNON Purchased goods are sold as is, and must be removed within one (1) day of purchase. Payment is to be with cash only and made at the time of purchase.This sale is subject to cancellation without notice in the event of settlement between owner and obligated party.Publication dates: December 30th, 2016 & January 6th , 2017Security Public Storage, 2633 W. Shaw Ave., Fresno, Ca. 93711 (559) 222-747912/30/2016, 01/06/2017-----------------------------------

NOTICE OF PUBLIC SALE OF PERSONAL PROPERTYNotice is hereby given that pursuant to Section 21700 of the Business and Professions Code, State of California, the undersigned will sell at Public Auction by competitive bidding on

January 13 at 11:00 A.M. at Security Public Storage, 4420 N. Blackstone Ave. City of Fresno, County of Fresno, State of California, the goods, chattels or personal goods and property of the tenants/units listed below. Unit # Name A2019 Renada J KurshA2022 Amanda R RubyA2040 Janie OliverB1009 Toni C Mcculley JohnsonB1019 Sandra RamirezB1127 Matthew S HolecB2003 Chester C WhiteB2018 Joshua L.B. HaddonB2053 April Marie TorresB2054 Kristopher CartozianB2062 Darlene F DawsonB2070 Mercedes M RuizB2087 Leanard Anthony AragonB2094 Pablo A MartinezB2099 Tracy C RobinsonB2114 John J Gonzales B2135 Sandra M FentonB2137 Tyrone J DefonsekaC2009 Terajee N HakimC2011 Jacob Ryan GarrisonC2023 Jennifer L SimmonsC2027 Chester C WhiteC2031 Randi Beth RandolphD020 Eric Keith CapelloD040 Michael G FedericoD052 Gerald MorenoE035 Dan L DuleyF010 United Auto Inc Auto ShopperLB02 Louvina Antoinette JohnsonPurchased goods are sold as is, and must be removed within one (1) day of purchase. Payment is to be with cash only and made at the time of purchase.This sale is subject to cancellation without notice in the event of settlement between owner and obligated party.Security Public Storage, 4420 N. Blackstone Fresno, Ca. 93726 (559)-226-665512/30/2016, 01/06/2017-----------------------------------

NOTICE OF SALE In accordance with the provisions of the California Uniform Commercial Code, there being due and unpaid storage and other charges related to the storage for which Arabian Villa/Campus corral Mobilehome Park is entitled to a lien as Warehouse on the goods hereinafter described, and due notice having been given to the parties known to claim an interest, and the time specified in such notice for payment of such charges having expired, notice is hereby given that these goods will be sold at public auction at 1500 Villa Avenue, Space 108, Clovis, California 93612 on January 16th, 2017 at 10:00 a.m. The following is a brief description of the property to be sold: A 1977 Broadmore Mobile Home, Decal Number LAG6726, Serial Number(s) CAFLIX709200552, HUD Label/Insignia number(s) CAL032963, 62 feet in length and width(Unknown) Purchase of the mobilehome and its contents by any party will require its removal from Arabian Villa/Campus Corral Mobilehome ParkName of Owner: Maxine Hewitt Amount Due: $5,603.61Dated at Sunnyvale, CaliforniaDecember 24, 2016By: /s/ JUDY C. TSAIAttorney for Arabian Villa/Campus Corral Mobilehome Park710 Lakeway Drive, Suite 180Sunnyvale, CA 94085(408) 775-884812/30/2016, 01/06/2017-----------------------------------

NOTICE OF PUBLIC SALEPursuant to the California Self-Service Storage Facility Act, (B&P Code 21700 et. .seq.), the undersigned will sell at public auction, on January 18, 2017 personal property including but not limited to furniture, clothing, tools, and/or other household items located at:Public Storage 223405045 N. Gates Ave.Fresno, CA 93722559-277-4314 Time: 11:00 AMStored by the following person (s):A019 John Douglas Morris Jr.A021 Matthew PeaB074 Maria AlcantarC030 Reggie RubenE010 Melinda MerrellE022 Jennifer BowmanE027 Kenneth BeamonE030 Bridgette CrunkAll sales are subject to prior cancellation. Terms, rules and regulations are available at sale. Dated on this 30th day of December 2016 and 6th day of January 2017, by PS Orangeco, Inc., 701 Western Avenue, Glendale, CA 91201, (818) 244-8080, Bond No. 585763212/30/2016, 01/06/2017

26 www.thebusinessjournal.com FRIDAY, JANUARY 6, 2017Opinion

EDITORIAL

Just as the holidays were heating up a few weeks ago, a state law-maker introduced a measure that would further strip away the au-tonomy of Golden State employers.

Assemblymember Lorena Gonza-lez (D-San Diego) on Dec. 5, 2016, introduced the “Opportunity to Work Act,” which is modeled after a first-of-its-kind ordinance passed by a majority of voters in San Jose in November.

Gonzalez’s measure would re-quire employers with 10 or more employees to offer additional hours

of work to an existing nonexempt employee before hiring an addi-tional employee or subcontractor.

AB 5 even goes a step further than the San Jose measure, which applies to companies with 36 or more employees.

Groups such as the San Jose Silicon Valley Chamber of Com-merce have spoken out against the local ordinance, saying it reduces the flexibility of employers. And of course it does. Regulation in Cali-fornia is slowly but surely altering the employer-employee relation-

ship, tilting the scales against those who sign the paychecks, taking away decisions that are necessary in running a successful business.

But as the Chamber also points out — and this may be the most ominous part — it creates a new level of compliance for businesses. Because with any new law on the books, there is ultimately “certain documentation” that would be re-quired on the part of the employer, according to the bill’s text.

So if AB 5, as it is called in Sac-

ramento, is passed, now some of the state’s smallest businesses will be required to churn out reams of paperwork just so they won’t be sued for doing about the only thing people seem to applaud employers for doing these days — creating jobs.

After a whirlwind session in Sacramento that created new levels of regulation for the state’s employ-ers, let’s hope 2017 brings a little clarity and common sense. Bills like AB 5 have no place in today’s economy.

State lawmakers continue to meddle in, restrain employers’ business

Five years ago, small business owner Mickey Swortzel faced a seri-ous threat when several of her major clients filed for bankruptcy.

Swortzel was lucky, though; her tech company wasn’t ultimately affected. But the situation did make her wonder: What if those busi-nesses had owed her money and couldn’t pay? “It was a wake-up call to what can happen, and it caused us to consider credit insurance,” says Swortzel, CFO and co-founder of New Eagle in Ann Arbor, Michigan.

After the close call, Swortzel purchased credit insurance for her business. Also known as receivable insurance, this safeguard provides small business owners protection for the money they’re owed. Swortz-el’s agent recommended that busi-nesses consider purchasing credit insurance once revenue reaches $10 million, but “we are under that revenue target and still find it well worth the expense,” she says. (Some insurance companies offer policies geared toward smaller businesses; Euler Hermes’ Sim-plicity policy, for example, covers businesses with up to $5 million in annual sales.)

Credit insurance isn’t cheap, though — it can run 0.1-0.4 per-cent of a business’ total sales. But Swortzel and her insurance agent worked to keep costs down by regu-larly reviewing the business’ list of customers and their buying habits. Here, she shares why small busi-ness owners should consider credit insurance — along with a few tips.

For small business owners think-ing of purchasing credit insurance, the first step is to determine what could happen if you choose not to do so. Look at your base of custom-ers or clients, and “if there are risks with customers who make up more than 10 percent of your revenue, it may be worth considering receiv-able insurance,” Swortzel says. Also, consider how much credit you’re providing, and whether or not you’re vetting your customers to that level.

Credit insurance is available from a plethora of national providers, but Swortzel chose to support another

small business when she purchased credit insurance. A simple inter-net search helped her locate an insurance provider in her area that offered policies from reputable companies.

“While the peace of mind that our receivables are insured is comfort-ing, the real benefit is the third-party credit review all of customers must go through in order to get any credit with our company,” Swortzel says. If customers want to apply for credit, they complete an application that Swortzel’s insurance company reviews, then recommends whether or not a customer should receive credit. “We work with a lot of new startup companies, and it has helped us say no to credit because they have not passed underwriting,” Swortzel says.

Swortzel says that a downside of credit insur-ance is anger-ing customers — and possibly losing them — if her busi-

ness won’t extend credit. However, customers who are denied still have options: They can submit additional financial records or wait for an-other review. “We have had some customers find other suppliers due to our credit policies, and while we are disappointed, we have to be good stewards of our company as a whole,” Swortzel says.

While credit policies may have negative short-term consequences such as upsetting customers, Swortzel believes the downsides are well worth the benefits, and having credit insurance has even helped her business grow. She’s been able to increase lines of credit by letting financial institutions know that her business has credit insurance. “It has improved our relationship with our bank and investors as they rec-ognize our commitment to financial stability,” she says.

Founded in 1943, and headquartered in Nashville, Tennessee, the National Federation of Independent Busi-ness is America’s leading small-busi-ness advocacy association.

Does your small business need credit insurance?

When Donald Trump held a rally in Fresno in May 2016, he made a specific vow to “open up the water” for Valley farmers. While the national media made hay with some of Trump’s claims that there was no drought in California, only those with knowledge of how Valley farmers receive their water recognized the very real control the federal government has over the system. A majority (52 percent) of respondents to this week’s web poll believe Trump will keep his vow, while 40 percent say no and 8 percent are unsure. One hundred seventy-three votes were cast.

YES 52 PERCENTNO 40 PERCENTNOT SURE 8 PERCENT

WILL TRUMP KEEP HIS VOW TO 'OPEN UP THE WATER' FOR VALLEY FARMERS?

FRIDAY, JANUARY 6, 2017 www.thebusinessjournal.com 27

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Jan 13 Professional AssociationsJan 20 Largest Commercial Real Estate DealsJan 27 Residential Real Estate Developers/FirmsFeb 3 Higher Paid Public Rmployees

2006

(2005)

Name of association

Address

Web site or e-mail address

Telephone

Fax

Local activity

• members

• chapters

• staff

Membership criteria

Membership area

–––––––––––––

Annual Dues

Organization publication

2006 budget

–––––––––––––

Year founded locally

Location of

headquartersTop local executive

1(1)

Fresno County Farm Bureau

1274 W. Hedges Ave.

Fresno, Calif. 93728

www.fcfb.org

info@fcfb.org

237-0263

237-3396

• 5,000

• 1• 5

Those wishing to support agriculture in Fresno

County

Fresno County

–––––––––––––

$75 sustaining

$125 voting

Agriculture Today, Friday Follow-up

WND

–––––––––––––

1917

Fresno

Karla Kay Fullerton

2(3)

Better Business Bureau

2519 W. Shaw Ave., Ste. 106

Fresno, Calif. 93711

www.bbb.org

222-8111

228-6518

•3,734

• 1

• 28

Commitment to ethical business

San Joaquin Valley

–––––––––––––

$380

Newsletter, annual member roster, consumer

publications

$2,011,058

–––––––––––––

1950

Fresno

Doug Broten,

CEO

3(2)

Fresno Association of Realtors

6720 N. West

Fresno, Calif. 93711

www.fresnorealtors.com

490-6400

490-6464

•3,731

• 1• 9

Valid real estate license

Fresno County

–––––––––––––

WND

Grapevine, Realtor Magazine

WND

–––––––––––––

1905

Fresno

Mary Van Ness

4(4)

Greater Fresno Area

Chamber of Commerce

2331 Fresno Street

Fresno, Calif. 93721

www.fresnochamber.com

495-4800

495-4811

• 1,900

• N/A

• 12

Business in Fresno and surrounding counties

Fresno County

–––––––––––––

WND

Membership Directory, Guide to Fresno

$990,000

–––––––––––––

1895

Fresno

Al Smith,

presidet/CEO

5(5)

Fresno County Bar Association

1221 Van Ness Ave., Ste. 300

Fresno, Calif. 93721

www.fresnocountybar.org

264-2619

264-8726

• 1,200

• N/A

• 3

Member in good standing with the state bar of

California

Fresno County

–––––––––––––

$115

The Bar Bulletin

WND

–––––––––––––

1882

Fresno

Bobbie Lee,

executive director

6(6)

Visalia Chamber of Commerce

220 N. Santa Fe

Visalia, Calif. 93292

www.visaliachamber.org

info@visaliachambe.org

734-5876

734-7479

• 1,130

• WND

• 8

Businesses and civic minded individuals

Tulare County

–––––––––––––

Varies

Monthly newsletter, annual membership,

directory, annual Visalia map

$1,000,000

–––––––––––––

1899

Visalia

Mike Cully, president/CEO

7(7)

Clovis Chamber of Commerce

325 Pollasky Ave.

Clovis, Calif. 93612

www.clovischamber.com

fran@clovischamber.com

299-7363

299-2969

• 1,100

• WND

• 6

Businesses in good standing

Central California

–––––––––––––

$185 and up

Clovis Chamber monthly newsletter, annual

chamber directory

WND

–––––––––––––

1912

Clovis

Jim Ware,

president/CEO

8(10)

California Society of Certified Public Accountants

(CalCPA)

P. O. Box 729

Sanger, Calif. 93657

www.calcpa.org

kay.coffin@calcpa.org

876-3800

876-3880

• 864

• 1• 1

Licensed CPAs, CPA candidates, students, and

non-CPA associates

Fresno, Madera, Kings and

Tulare counties

–––––––––––––

varies

California CPA Magazine, CalCPA Fresno

Chapter Bulletin, CalCPA Clips (online)

$71,000

–––––––––––––

1970

Redwood City

Anthony Forestiere, CPA/chapter

president

9

(12)

California Apartment Association

516 W. Shaw Ave., Ste. 200

Fresno, Calif. 93722

www.caanet.org

sespinosa@caanet.org

221-2533

221-2503

• 800

• 1• 1

Ownership or management of residential rental

housing

Fresno, Madera, Kings and

Tulare counties

–––––––––––––

$113 base

plus $1.35 per unit

Perspective Magazine

WND

–––––––––––––

WND

Sacramento

Stephanie Espinosa

10

(NR)

Fresno Builders Exchange

1244 N. Mariposa St.

Fresno, Calif. 93703

roxanne@fresnobuildersexchange.com

www.fresnobuildersexchange.com

237-1831

264-2532

• 785

• 1• 9

Firms involved in, or associated in or with the

construction industry

WND

–––––––––––––

$250

Weekly newsletter, monthly safety newsletter,

annual membership directory, various

educational books and reference material

WND

–––––––––––––

1922

Fresno

Roxanne Greenwood,

executive director

11

(NR)

Porterville Chamber of Commerce

93 N. Main St.

Porterville, Calif. 93257

chamber@porterville.com

www.chamberporterville.com

784-7502

784-0770

• 540

• N/A

• 3

Open to all

Central Valley

–––––––––––––

varies

Chamber CONNECT, local map, community

and business resource guide

$310,000

–––––––––––––

1907

Porterville

Donnette Silva Carter

12

(NR)

Central California Hispanic Chamber of Commerce

2331 Fresno St., Ste. 114

Fresno, Calif. 93721

www.cchcc.net

directorlorena@cchcc.net

495-4817

495-4811

• 513

• 1• 2

Businesses

Central Valley

–––––––––––––

$150 - $500

Business Link, travel guide

$250,000

–––––––––––––

1984

Fresno

Lorena Martinez

13

(NR)

Fresno-Madera Dental Society

371 E. Bullard Ave., Ste. 120

Fresno, Calif. 93710

www.fmds.com

438-7284

438-7287

• 450

• 1• 2

WND

Fresno and Madera counties

–––––––––––––

$255

The Grapevine Bulletin

WND

–––––––––––––

1912

Sacramento

Valjean Xaiz

14

(13)

Selma District Chamber of Commerce

1821 Tucker St.

Selma, Calif. 93662

cindyh@cityofselma.com

www.cityofselma.com

891-2235

896-7075

• 352

• N/A

• 2

WND

Central Valley

–––––––––––––

$25 - $250

18 brochures, membership directory, monthly

newsletter, promotional flyer, economic profiles

$150,000

–––––––––––––

1929

Selma

Cindy Howell,

executive director

Roseann Galvan,

president

15

(15)

Fresno Area Hispanic Chamber of Commerce

1456 W. Shaw

Fresno, Calif. 93711

info@fahcc.org

www.fahcc.org

222-8705

222-8706

• 300

• WND

• 3

Business, individuals, students

Fresno

–––––––––––––

$250 - $500

Directory, newsletter, brochures, flyers, micro-

loan information

$350,000

–––––––––––––

2001

Fresno

Dora C. Rivera

16

(17)

Downtown Association of Fresno

2014 Tulare St., Ste. 713

Fresno, Calif. 93711

www.downtownfresno.org

490-9966

490-9968

• 275

• 1• 2

Anyone with an interest in the revitalization of

downtown Fresno

unrestricted

–––––––––––––

$25 - $2500

What’s Up Downtown

$476,000

–––––––––––––

1955

Fresno

Stanley Kooyumjian,

executive director

17

(14)

Lemoore Chamber of Commerce

300 E St.

Lemoore, Calif. 93245

www.lemoorecofc.com

924-6401

924-4520

• 270

• WND

• 3

Individuals, businesses, churches, students

Lemoore

–––––––––––––

$185 - $920

Lemoore Lifestyles

$200,000

–––––––––––––

1929

Lemoore

Lynda Lahondy,

CEO

18

(18)

Kingsburg District Chamber of Commerce

1475 Draper St.

Kingsburg, Calif. 93631

jessatkingsburg@aol.com

www.kingsburgchamberofcommerce.org

897-1111

897-4621

• 200

• WND

• 1

Various categories

Kingsburg and surrounding

areas

–––––––––––––

$125 - $275

Sweedish Village Voice

$165,000

–––––––––––––

1922

KingsburgJess Chambers, executive director

19

(19)

National Association of Insurance & Financial

Advisors-Fresno

(NAIFA-Fresno)

4747 N. First St., Ste. 140

Fresno, Calif. 93726

www.naifafresno.org

439-4087

227-1463

• 182

• 1

• WND

Life insurance industry

Fresno/Madera Counties

–––––––––––––

$387

Lifewire Newsletter

WND

–––––––––––––

1921

Falls Church, Va.

Vicki Von Tersch,

RHU, LUTCF

20

(NR)

Dinuba Chamber of Commerce

210 N. L St.

Dinuba, Calif. 93618

www.dinubacommerce.org

dinubachamber@sbcglobal.net

591-2707

591-2712

• 150

• WND

• 3

WND

WND

–––––––––––––

WND

WND

WND

–––––––––––––

1912

WND

Ralph H. Hinds

Professional Associations

In the Central San Joaquin Valley – ranked by number of local members; if tied by number of staff.

Research: Robin D. Ogle

Lee Onna Maciel

Original publication date: March 17, 2006

Key: WND: Would not disclose.

NR: Not ranked.

Not all sources responded to phone or fax inquiries.

Source: Representatives from each association. The Business Jo

urnal assumes all information given is correct. Not all respondants ra

nked on this list. Fresno-Madera Medical Society, Kings

County Farm Buerau, Central California Association of Health Underwriters and The Advertising Federation, did not respond for this years lis

ting.

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