Colorado Springs Business Journal September 22, 2017 by Colorado Springs Business Journal

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VOLUME 28, NUMBER 25 | Sept. 22 - Sept. 28, 2017 | 2.00 $

Corporate tax cut won’t help most local ﬁrms (Editor’s note: This is the ﬁrst in a series of articles about President Donald Trump’s tax plan. Future articles will address the plan to repeal most business tax breaks and changes to the pass-through rates for businesses.)

CHAMBER FLY-IN

A boulevard’s evolution

By Bob Stephens

resident Donald Trump’s proposal to change the tax code is generating attention from businesses of all sizes — but the part generating buzz on the national stage is his plan to drop the corporate tax rate from 35 percent to 15 percent, as well as change the way the government taxes overseas profits. But those changes only affect the nation’s largest businesses, said Trinity Bradley-Anderson, managing partner at Stockman Kast Ryan + Co. “Most businesses in the Springs are pass-through businesses, where the company isn’t taxed and the business owner is taxed at the individual tax rate,” she said. “Most of the bigger companies that have multistate setups are C-corps and the tax reform being talked about in Washington, D.C., will help them.” A C corporation is a publicly held company that pays taxes on its business income, but any profits distributed are also taxed at the stockholders’ income tax rates. An S corporation is what Bradley-Anderson described as a “pass through” entity, which means the business isn’t taxed, but the owner is subject to personal income tax on business earnings, often at the highest rate of 39.6 percent. “Cutting the corporate tax rate wouldn’t benefit us,” said Scott Bryan, owner of Bryan Construction. “S-corps and LLCs are called pass-through companies, and that’s what we are.” According to the Tax Policy Center, a joint venture of the Urban Institute and the Brookings Institution that focuses on providing analysis of the nation’s tax code, the current proposal would hold taxes on pass-through companies to 15 percent, the same rate suggested for the corporate tax cut. The center estimates that the current suggested tax changes — which also include cuts to individual income taxes — would reduce federal revenue by $9.5 trillion during its first decade and an additional $15 trillion during the second decade. Bradley-Anderson said it’s impossible to predict what elected officials in D.C. will end up doing with Trump’s tax plan. “If I had a crystal ball,” she said, “I’d be on a talk show.”

Academy Boulevard, one of the city’s busiest thoroughfares, is a road of highs and lows. The north end is bustling and interest has picked up in some long-neglected areas, but pockets of central and South Academy still struggle.

See Taxes page 22

Photo by Bryan Grossman

COUNTY

Commissioners to decide whether to close a second dispensary due to violations.

Hazlehurst: Natl. monuments .......3 One-on-one: Henne (left)................7 By the Numbers............................14 On the Horizon ..............................15 Sweet: Routon’s retirement.........24 Other Voices................................. 25

EDITORIAL: LET’S SUPPORT THE NCC

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2 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

CSBJ.com Poll Should Colorado Springs Utilities shorten the timeline to close the Martin Drake Power Plant?

Yes. Current market conditions mean the time is ripe for other power sources.

50%

No. Inexpensive electricity is important for business growth and development.

32%

Maybe. But we shouldn’t rush to change what is already working.

18%

Go to CSBJ.com to vote on next week's poll:

Will a comprehensive infrastructure bill make its way out of Washington? See past results at csbj.com/democracy-archives

Managing Growth This icon will appear alongside stories covering regional growth in 2017. csbj.com/2017/01/06/2017-time-toplan-for-growth/

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CSBJ OPINION

Cyber economy requires investment The issue: The National Cybersecurity Center needs a dedicated source of funding.

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What we think: If we want to create cybersecurity jobs, the NCC needs to spend more time creating programs and less time raising money.

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t’s time for state and national leaders to put their money where their mouths are. For months, we’ve heard praise from congressional leaders and state legislators about the National Cybersecurity Center and the city’s focus on cybersecurity as an economic engine and jobs generator. The problem? Other than $8 million in startup money from the state, the NCC hasn’t received any government funding — not a dime from the city or county, nothing more from the state and no support from Congress. Instead, the NCC has had to raise its own funding from private sources, competing with the Olympic Museum and Hall of Fame, the Pikes Peak Summit House project, and the UCCS Ent Center for the Performing Arts and its Lane Center for Academic Health Sciences. Every one of these projects has financial support, but the NCC hasn’t yet received ongoing, stable funding. And while all of those other efforts are extremely important to the Springs — each helping build a 21st-century city focused on health and arts and community — the NCC is also vitally important to our economy. The state’s $8 million for the NCC isn’t chump change. After all, it got the NCC off to a great start with a new building, a location from which they can conduct se-

cure research and train tomorrow’s workforce. But it isn’t enough. If we want to grow our cybersecurity sector and create jobs, the NCC needs a steady stream of state and national funding. Otherwise, it becomes just another organization dependent on grant-writing to keep the doors open — and that kind of funding isn’t stable enough to create a truly “national” cybersecurity center. The Colorado Springs Chamber & EDC went to Washington, D.C., last week on its annual fly-in and were told the National Cybersecurity Center of Excellence nearby in Rockville, Md., receives an annual appropriation of $17 million. In 2017, there were 27 bills regarding cybersecurity funding in 14 states — all working to create the kind of economic engine we want to build in Colorado. There is so much more work to be done here, and it’s time our state legislators and our congressional leaders started working together to provide stable funding to support NCC’s growth. NCC has plans for a cybersecurity research lab and a workforce training center, and both need money for equipment and to stay ahead of the world’s ever more sophisticated cyber threats. NCC also needs funding for their outreach work with colleges and universities to develop cybersecurity jobs and workforce programs. The business sector isn’t without responsibility of its own. Every business in southern Colorado has cybersecurity needs, even if not all of them are acting to protect their networks. Providing additional funding for the NCC will benefit the city’s economy in the long run, but NCC’s staff are already working to protect local business assets. It’s time to create a stable funding source for the NCC — augmented by grant funds — to develop a cybersecurity center that will become the jobs engine of the future. CSBJ n

Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

OPINION: HAZLEHURST

This is not a time to downsize national monuments

ccording to a memorandum leaked to the Washington Post earlier this week, Secretary of the Interior Ryan Zinke has proposed substantial changes in boundaries and management policies for 10 national monuments. Changes would affect monuments created by presidents Bill Clinton, Barack Obama and George W. Bush. HAZLEHURST The proposed changes would benefit commercial users and businesses, including mining and timbering interests, cattle ranchers, commercial fishing, and oil and gas exploration and production. Of the 10 monuments, six would shrink and/or change boundaries. While the details of the plan have yet to be made public, polls show that the overwhelming majority of Americans oppose any changes, including residents of the Western states where most of the affected areas are located. Count me among them. Although I’m dismayed by the angrily partisan demonization of Montana native Zinke, I think his proposal is misguided. When I was born here in 1940, Colorado Springs was a city of 37,000 in a state of 1.1 million. Today, we’re a city of 465,000 in a state of 5.5 million. We were a city with amazing parks (Garden of the Gods, Palmer Park and Monument Park) in a state blessed with millions of acres of public lands, much of it wild and pristine. Fourteeners were to admire from a distance, not climb (that was for experts and eccentrics,

John

like Bob Ormes and Betsy Cowles). No one wandered around above timberline, except sheep-herders and rock collectors. There was plenty of room for everybody, including recreational shooters, fishers, hikers, butterfly collectors, campers and tourists. But by the early 1990s, it was clear to many that our once-bountiful local recreational opportunities had been overwhelmed by population growth, not to mention a burgeoning visitor industry. Approved in 1997, the Trails & Open Space Coalition enabled the city to acquire and preserve multiple parcels of recreational open space, including the 789-acre Red Rock Canyon open space. That’s given us some breathing room — but we can’t stop now. Since the city was founded in 1871, we’ve never stopped growing. If I can fend off the grim reaper for another 20 years, I may be around to see the population of the Pikes Peak region hit 1 million as the state reaches 8 million. We won’t be alone. The population of the United States doubled between 1950 and 2010, with Western states on the cutting edge of growth. Demographers project our current estimated population of 325 million will reach 450 million by the end of the century, while the world’s population will increase from 7.5 billion to more than 11 billion. How many treks up our state’s 54 Fourteeners took place in 1940? Absent any records, I’d guess less than 200. According to the Colorado Fourteeners Initiative there were 311,000 treks in 2016. “There are at least 10 times more people hiking around the backcountry now than in 1990,” David Swersky, a 37-year veteran of Aspen Mountain Rescue,

recently told the Denver Post. Those numbers will continue to increase, despite complaints by old-timers that the high altitudes have been ruined by the high multitudes. That’s one way to look at it — but we should be glad that most of the high summits in Colorado are on public land, there to climb if you so choose. This is not a time to downsize national monuments and remove existing land use restrictions. Such actions may benefit transient commercial interests, but will almost certainly degrade the recreational, ecological and even spiritual amenities that the monuments offer to us and to those who will take our place. Consider the least known, least visited and by far the largest monument on Zinke’s list, the Pacific Remote Islands Marine National Monument. Consisting of six isolated and largely uninhabited atolls and islands southwest of Hawaii, the 490,343-square-mile monument was created by George W. Bush just before he left office. He characterized it as “the most widespread collection of marine- and terrestrial-life protected areas on the planet under a single country’s jurisdiction.” To permit commercial fishing in this vast and pristine environment is wrongheaded. Today’s oceans are grossly overfished, thanks to rapacious international fleets operating in a largely lawless environment. Permitting commercial fishing in the monument would be like allowing commercial fishing with nets, dynamite and poison in Montana’s Madison River. Most of us will never visit the Pacific Remote Islands Monument, but I’m glad that it exists. Thanks, George W. — you left an amazing legacy. Secretary Zinke: Please don’t screw it up! CSBJ n

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Colorado Springs Business Journal

Marijuana business under county review Still, he says he’s opposed to a zero-tolerance policy. “It would be irresponsible to say there’s zero tolerance,” Waller said. “You wouldn’t need a hearing then.”

By Bob Stephens

he El Paso County Board of Commissioners will decide Oct. 5 whether to renew the license of New Age Medical, a medical marijuana dispensary on the city’s far east side. That might seem like a simple process, but it’s anything but when the business has committed a violation. For instance, commissioners denied the license renewal of New Horizons in May. The dispensary, among other violations, had inaccurate plant inventory, exceeded its plant limit and had a disconnected point-of-sale camera, according to first-year County Commissioner Mark Waller. Commissioners voted 3-2 to close New Horizons, with Darryl Glenn and Peggy Littleton in the minority. “According to their lawyer, those violations were nothing more than traffic tickets and we shouldn’t have denied the license,” Waller said. “A couple of those aren’t traffic tickets.” Now it’s New Age Medical’s turn, and owner Forrest Charlesworth is worried about the outcome of the hearing. While Charlesworth will appear before the commissioners about his dispensary located close to Peterson Air Force Base, he also owns a branch on Garden of the Gods Road, as well as a grow operation. Neither Charlesworth nor his attorney Cliff Black would discuss the violations, but both said they’re not enough to deny renewing his business license.

BUSINESS IS AT STAKE

Photo by Bob Stephens

Forrest Charlesworth, the owner of medical marijuana dispensary New Age Medical, fears that El Paso County commissioners will not renew his business license. A hearing is set for Oct. 5.

Charlesworth said his 15 employees are scared. “They’re all afraid we’re going to be shut down,” he said. The question becomes whether a majority of the five commissioners are willing to give the business owner a second chance and the opportunity to fix the mistakes. “You can take out marijuana and insert whatever business it might be, and it’s a matter of evaluating the scope of the violation and if there’s corrective action necessary and if you think the potential violator has a plan to improve that in the future,” said BoCC President Darryl Glenn.

“As long as you’re not repeating the same things, I’ll give you a second chance.” But marijuana dispensary owners say other commissioners aren’t as obliging. Waller acknowledges he has a reputation for being tough on medical marijuana dispensaries, much of which comes after six years in the state Legislature, where he helped craft the state’s marijuana policy. “Marijuana advocates would say I’m the most vocal opponent, but I don’t think that’s accurate,” Waller said. “I don’t think [marijuana is] good for our community, and it needs to absolutely be done responsibly.”

Charlesworth, who lives in Denver, said he was a developer who also did work in the Springs before declaring bankruptcy during the recession. He bought the medical marijuana dispensary, one of five in the unincorporated areas of El Paso County, in 2012. “I’d like the commissioners to take a look at how professional Mr. Charlesworth is in running his business and the steps he’s taken to mitigate the issues,” Black said. “These business owners make significant investments and to arbitrarily deny the license renewal just calls ‘foul.’ If the commissioners are going to be pro-business, they need to be at every level. That should cover these businesses too.” Black said commissioners overreacted in denying New Horizons’ license renewal. “I believe it’s their intent to rid the county of medical marijuana licensed businesses,” he said. “It’s a big concern to me because there might be violations in any industry. A construction company might have an issue with a building permit, but we don’t put them out of See County page 23

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Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

IT, health workers join forces on security dilemmas

Shutterstock

By Helen Robinson

ealth information security needs a new approach — one that boosts compliance among health care workers and doesn’t slow down patient care. According to Lynne VanArsdale, acting chair of the Health Information Security Center of Excellence, success hinges on open conversations between information security and health care professionals. Health care workers can teach IT professionals how security requirements impact patient care — espe-

cially in situations where seconds count — and about what really works in the hospital setting. Information security professionals can give health care workers a greater understanding of why information security measures matter to patient safety. HISCoE, which became part of the National Cybersecurity Center in August, serves as “a conduit and a translator between health care and information security,” VanArsdale said. Feedback between these groups is vital because the frameworks and motivations that work well in other industries fall flat in health care.

For health care workers, she said, patient care and workflow are what matter most. “If anything impedes their delivery of health care … they resist it and they don’t follow it,” VanArsdale said. “So what happens is they close their ears to the benefits of compliance and they hide their heads in the sand in terms of the cost of non-compliance — ‘It’s not going to happen to me,’ — and then they build workarounds to the policies and infrastructure.” Those workarounds introduce additional information security risks, often through informal and unsecured paper records and the use of shadow IT (software or hardware used within an organization without the knowledge or support of the organization’s central IT department). VanArsdale said most security education motivates through fear — but that doesn’t carry the same impact with health care professionals. “Threat is relative. Health care workers face life and death decisions very frequently and it’s fundamental to what they do; information security threat is minor compared to the other threats that they manage minute to minute,” she said. “They worry about health risk first and foremost, and ... they expect and need other people to worry about the infrastructure in which they deliver care.” Speaking at the 7th Annual Cybersecurity Training & Technology Forum in Colorado Springs last month, VanArsdale said health care workers face critical choices between information security and medical best practices every day, and are frustrated by conflict between the two. HISCoE gathered details of these conflicts across the summer by holding “Dueling Panels” sessions where Colorado health care providers spoke about challenges See Health page 10

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Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

ONE-ON-ONE

Henne leads independently owned orthopedic group By Audrey Jensen

s an industrial engineer with a master’s degree in business finance, Colorado Springs Orthopaedic Group CEO Mike Henne falls within the 5 percent of operating room directors nationally who aren’t registered nurses. It’s very uncommon for someone with his background to become CEO of an orthopedic group, said Henne, who has led several surgery centers over the last 42 years, including in Michigan, Florida, Ohio, California and now Colorado. But someone with Henne’s professional background was exactly what CSOG was looking for. CSOG is one of the largest independently owned groups in southern Colorado. With two locations, 17 physicians specialize in sports injuries, limb injuries, arthritis and other ailments. The group also provides digital X-rays and MRI scans. Henne considered retiring before a partner with CSOG asked if he would like to discuss the executive position. He started as the interim CEO in January 2016 before taking over as CEO months later. He may retire sometime next year, but that is still up in the air, he said. Henne takes pride in the fact that as many as 90 percent of the company’s 5,500 monthly patients do not require surgery. When surgery is required, the group can perform more than 500 per month, Henne added. Another accomplishment Henne is proud of is the December installation of a new MRI machine at the group’s Briargate location. When Henne isn’t running the business side of the company, he travels to Michigan every other weekend where he lives with his wife. There he referees soccer, which keeps him healthy and active outside work, he said. Henne spoke with the Business Journal about the benefits of running an independently owned firm in Colorado Springs. How did you become the CEO of Colorado Springs Orthopaedic Group? I started as an industrial engineer in a hospital looking for ways to make things more efficient. I ended up getting into [managing] surgery [centers] and doing projects and eventually ended up being director of surgery in different institutions. Most of my experience has been with hospitals — the closest that I came to [my current position] is when I was in Miami and was running an ambulatory surgery center down there for [Hospital Corporation of America]. There it’s a shared ownership between HCA and the physicians. Explain your leadership approach. The MRI downstairs … the one we had was 14 years old. It was getting older than its useful life. [It] is a significant investment; it was well over $1 million to replace it. So my management style is, if this were my checkbook, what would I want you to show me in order for me to write that check? Rather than sit here in my office and say OK, we need a new MRI scanner, I included the people from the technicians to the supervisors saying, ‘What do you guys think?’ I see my role in the management of this organization as knocking down barriers. If you have people who know what they’re doing and they’re good at it — let them do their job. What is the beneﬁt of having an independently owned group? The biggest advantage is you’re able to, with the patient, give them choices. Being independent … you have to have high quality and you also have to have relationships. Those relationships have to be with the patient and the physicians who are referring [patients] to you, because if you lose either one of those, your referrals or your incoming patient volume’s going to decrease and you eventually won’t be in business. ... Your top priority [is your outcomes]. Are my patients happy with me? Are the people referred to me happy? At an independent practice you’re a smaller entity and you have to not only worry about your quality, but you’re also part of a partnership — you’re looking at everybody’s quality, which is why we have peer review groups. How does being an independently owned group affect the local business community? Let’s say I’m a Walmart or a Target and I’m dealing with my health plan and I’m looking at trying to cut down [on increased costs] that come every year — I’m going to be looking for options. If I see [a plan featuring] an independent group —quality is a given — that has the options to drive my costs down based on the choices they make with the patient, whether they go outpatient or inpatient, that is a benefit to me ... as a retailer. CSBJ

MIKE HENNE Being independent … you have to have high quality and you also have to have relationships.”

Photo by Audrey Jensen

8 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

PUEBLO: YOUNG PROFESSIONAL

Meza ﬁnds success through education and career By Audrey Jensen

eports show that the average age Millennials choose to get married is in their mid to late 20s, but not every young adult fits the trend. Pueblo native Destiny Camp Meza, communications coordinator for The Greater Pueblo Chamber and Visit Pueblo, moved out of her parents’ home and was married by the time she was 16 years old. Meza dropped out of school for a year, but was able to catch up and graduate on time from South High School in Pueblo. She graduated from Pueblo Community College as valedictorian in 2015 and was fourth in her class when she graduated with her bachelor’s degree in English from Colorado State University-Pueblo in May. Meza said she had to grow up quickly, which helped her succeed in school. “It was a big accomplishment, so sometimes I just have to sit and be thankful for where I come from,” said Meza. Thanks to her degree, connections and two internships during her last semester, Meza was hired by the chamber the same month she graduated. Now 22, she is pursuing her master’s degree in English at CSU-Pueblo while also working as the communications coordinator for both the chamber and Visit Pueblo, an organization that works out of the chamber officed to attract visitors to the city. Meza, the chamber’s only Spanish speaker, provides all of the advertising, marketing and communications services for chamber members and events, and unveiled two new projects — a member-of-the-week feature and a weekly newsletter. She’s also in charge of three interns. This week, she discussed her work and the status of Pueblo’s business community. Why did you decide to work for the Greater Pueblo Chamber? I’ve always been passionate about volunteer work and working in the community. In my last semester of college I was doing those two internships, I was volunteering a lot — public service has always been some-

thing kind of close to my heart. So me being interested in community work and public administration — it kind of just all worked out. I think it’s really neat that there are so many people here who have been working in Pueblo for so many years. I have a lot to learn. Just how the chamber’s so interconnected with the community and all the things they do. It’s very busy, so it’s fast-paced. One week you’re doing one thing and next week you’re shifting gears to another event. Last week we had the Medal of Honor convention, this week we have the Chile Festival. I like keeping busy. [And] a lot of the members we’ve had have been members for years and years. I think it’s cool to have sustaining relationships like that. What has surprised you about your job? There are a lot of things in Pueblo that, living here my whole life, I didn’t know were even here. One really cool thing that the chamber does is we’re actually really involved with our legislators up in Denver. During winter they do a legislator breakfast, so all of the legislators and people from Capitol Hill come down here and actually talk with people in Pueblo about politics and what’s going on. I didn’t know just how involved the chamber was in the Colorado community as a whole. What advice would you give to other young professionals? I would say don’t be discouraged. I know sometimes … there’s not a lot out there and people are looking for experience, so go out and find an internship even if it’s not paid. Keep seeking volunteer opportunities, ways to meet people, anything you can put on your resumé. I know when I started here, not only do I look really young, I sound really young, so it’s kind of taken a while to prove myself. It’s one of those things where even though it is scary working with all of these established people who have been in their positions for a long time, you kind of have to say, ‘Hey, I have a degree and I have some experience and I have something to offer.’ You’re going to go as far in life as you put yourself. CSBJ n

Photo by Audrey Jensen

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BY THE NUMBERS: AEROSPACE IN COLORADO

Sept. 22 - Sept. 28, 2017

Aerospace economy — national ranking Aerospace-related workforce needing specific, higher-level training:

68 percent Aerospace workforce needing on-the-job training:

32 percent

Public higher-education institutions with aerospace-related programs: Colorado is behind only Massachusetts in population with bachelor’s degrees.

U.S. News & World Report ranked the University of Colorado Boulder’s aerospace engineering sciences graduate program among the top 10 in the nation.

The Air Force Academy ranked seventh among schools that do notCLICK. offer CARE. doctoral degrees for its CLICK. undergraduate aerospace engineering program in 2017, according to U.S. News & World Report.

MAJOR EMPLOYERS:

Ball Aerospace & Technologies Corp. The Boeing Co. Digital Globe Inc. Exelis Honeywell Technology Solutions Lockheed Martin Northrop Grumman Corp. Raytheon Co. Sierra Nevada Corp. United Launch Alliance (Companies in bold have an El Paso County presence)

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10 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

Health: Electronic information sharing still new in field Windows security updates. “These are the kinds of things that we can look forward to if we don’t start with security, and information security talking and realizing that we’re not goworkers responded to their issues. ing to get anywhere with health care “What we found was that electronic workers unless we [incentivize inforinformation is relatively new in health mation security],” she said. care — it’s very immature. Health care Kris Kistler, chief information security workers are still adjusting to the idea officer for Centura Health, said Centura that information security affects patient is constantly seeking feedback and looksafety, and seeming conflicts between ing at how to streamline information best care and best security practice are security for its clinicians. really what’s going on in the health care Centura’s information security dearena,” VanArsdale said. “Providers partment regularly works with clinical ask, ‘From whom are we protecting this teams to conduct dedata? What happens tailed pilot tests when when life and death looking at new systems depends on disclosure that could impact their but the law disallows workflow, he said. it?’ These are the main “There is often a types of questions that balancing act we must we heard. “...There’s this per— Lynne VanArsdale maintain to ensure that the acute care setting ception of futility — is not disrupted, while they’re trying to do providing technology in a safe and effitheir job, they’re seeing these ‘stupid’ cient manner,” Kistler said in an email. rules ... impeding their ability to give “It is vitally important for these acute care, so they give up,” she said. care systems to be available 24x7x365 “And when they give up, they then for emergency needs and not suffer shirk the responsibility. Now it’s someunexpected downtime due to a virus, body else’s problem.” phishing, ransomware or other malThe saddest part about this dilemma is ware attack.” that patient safety relies more and more Although most health care workers on information security, VanArsdale do not have the experience and training said. to fully understand the security threat She cited WannaCry, the massive landscape, risk assessment and design ransomware attack which shut down requirements for a secure environment, work at 16 U.K. hospitals, because they failed to maintain their Microsoft Kistler said, “receiving input from them From page 5

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regarding workflow changes, avoiding extra clicks or steps when possible is very valuable and important feedback for security implementers to consider.” He said the implementation of Centura’s Multi-Factor Authentication system was a great example. “Several of the reasons we chose the product we did was a direct result of clinician preference. The clinicians re-

ally liked the multiple authentication options in the product we chose,” he said. “Instead of being forced to carry a hard token, they can use any one of five different methods to perform their MFA (push, passcode, sms, call, token) and cache those credentials for 30 days, just like Google, LinkedIn and Amazon, even using the same DuoSecurity app if they desire.” CSBJ n

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Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

SMALL BUSINESS

Return to Nature Burial & Cremation Employees: 6 Location: 123 E. Las Animas St. Contact: 719-475-0583; returntonaturecolorado.com

Photo by Audrey Jensen

From left: Jack Dhooghe, Carrie Hallford and Jon Hallford opened a green burial-focused funeral home in southern Colorado.

Green funeral home opens in southern Colorado By Audrey Jensen

hen Jon Hallford approached his wife, Carrie, and friend, Jack Dhooghe, about starting an environmentally friendly funeral home in Colorado Springs, they didn’t believe it would work. Jon, a licensed funeral director, educated the two on green burials and was able to convince Carrie and Dhooghe — both of whom have worked in the industry for years — to open a green burial-focused funeral home in southern Colorado. In the works since May 2016, the three founders opened Return to Nature Burial & Cremation’s doors Sept. 5 in downtown Colorado Springs at 123 E. Las Animas St. and say there is interest in the concept. Return to Nature offers the same merchandise and services as other funeral homes, but encourages customers to choose its environmentally friendly and typically less expensive burial and cremation options, which include biodegradable cremation urns, baskets, hardwood caskets and shrouds, or biodegradable cloths. People also can request to be buried with no clothes or covering, as long as they’re buried in a cemetery that allows for green burials, according to Jon. In Colorado Springs, Fairview Cemetery and Evergreen Cemetery are two cemeteries that allow different standards in burials. Though Return to Nature is not the only funeral home in the Springs with both green burial and traditional options, several factors separate the new

business from the others, said Jon, whose family has worked in the industry for more than 80 years. Return to Nature encourages its customers not to embalm or preserve bodies with chemicals, he said. “When I started learning about [green burial] I started thinking, ‘Why on earth have we been doing this all this time, and how many times have I facilitated a final moment with a family member and they’ve smelled or experienced formaldehyde?’” Jon said. “That’s really where it sunk in that I’m not going to do this anymore. This is our passion. … I’m not going to just leave the industry, I’m going to find a better way to do it.” Embalming bodies affects the water supply and is a threat to employees’ health, he said. Bodies preserved without embalming fluid can look the same as bodies with it, Jon said. “In the funeral business there are no guidelines,” Jon said. “So when a body is being embalmed, whatever excess formaldehyde mixture is left in the tank just goes right down the drain. It’s not neutralized — it’s going straight back into our water system that’s eventually recycled and reused.” “It’s not just that, we’re placing over 800,000 gallons of embalming fluid, formaldehyde, into the ground every year. … There’s not a cemetery around you can’t drive through without seeing a sign that says nonpotable water.” Return to Nature seeks to offset the need for chemicals to focus on Earth-friendly burials. “With the natural burial you can be buried in a shroud or basket, which is going to decompose into the earth and you’re essentially living on,” Carrie said.

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“We just want to have another option for people. People are still going to use traditional services and funeral homes — we just want to have what we offer as an option.” While Return to Nature prides itself on its customer service, Dhooghe said his brand of burials and cremations are also better financial options. “Most people … don’t have the funds to spend [$5,000] to $10,000 for a traditional funeral, so I think it’s a big option as far as the economy goes,” Dhooghe said. Inudstyr experts say a green burials cost as little as $2,000. Return to Nature lists prices on its website, which many funeral homes don’t do, Jon said. Because of high costs in memorial services and caskets, most people opt to pay for cremation services as a less-expensive alternative. In Colorado, more than 70 percent of people are choosing cremation over burial, according to Jon. He added that Return to Nature is installing an alkaline hydrolysis system, which is an alternative to cremation, but uses water and an alkaline solution of potassium hydroxide and provides a greener alternative to traditional burial. “We know the industry here and the market here — it’s our town,” Jon said. “We’re not concerned with the other funeral homes; we don’t feel like we’re coming in and getting on their turf or trying to put anyone out of business. “We’re just opening up a business and trying to offer a service to families and they’re either going to use us or they’re going to use someone else.” CSBJ n

12 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

D.C. Fly-In keeps region, Capitol in touch

Photo by Bryan Grossman

Several Chamber & EDC meetings took place on Capitol Hill.

By Bryan Grossman

‘THE GOLDEN THREAD’

Washington, D.C. — From infrastructure funding to defense to cybersecurity, participants of the Colorado Springs Chamber of Commerce & EDC’s annual Washington, D.C., Fly-In last week had the opportunity to discuss the region’s most pressing issues with experts based in the nation’s capital. Topics specific to the Pikes Peak region included the widening of Interstate 25 between Monument and Castle Rock, water contamination, long-range transit plans, Base Realignment and Closure options, and workplace skills training. Regarding water contamination, Rachel Beck, government affairs manager at the Colorado Springs Chamber & EDC, said her infrastructure group learned from the Environmental Protection Agency possible ways to expedite the cleanup of contaminated water caused by military firefighting foam in and around Fountain. “We talked about a couple different grant options,” Beck said. “There are cleanup grants and another possibility was subdividing the site to maximize dollars.” The group also talked about speeding up the National Environmental Policy Act process, which includes environmental assessments that can be “time-consuming and labor-intensive,” she said. “Beginning work, depending on the level of the process, can take years,” she said, adding the administration is implementing a six-month window for environmental reviews and is cutting environmental assessments by thousands of pages. “Streamlining all those has the potential to save a significant amount of time and money,” she said, noting that the Colorado Department of Transportation implemented a similar system to expedite the environmental assessment of I-25 in southern Douglas County.

The Fly-In’s military track included a day at the Pentagon and discussions on Capitol Hill with a representative from the House Armed Forces Committee. According to Chamber & EDC Chief Defense Development Officer Rich Burchfield, Department of Defense leadership is waiting to see how a base-closure defense bill from Sens. John McCain (R-Ariz.) and Jack Reed (D-R.I.) plays out. The bill could establish a new BRAC commission to review all military installations. “The legislation would require a list of potential base closures and realignments to be compiled by the Pentagon, certified by the president and then submitted to Congress by the fall of 2019,” according to thehill.com. “Congress would vote on passing the BRAC after a 60-day public comment period, and base closures would start by 2021.” Burchfield said the military team learned “what we need to do as a community to rally support” behind the installations in the region. Burchfield pointed to a yet-to-be-published national military strategy document that outlines mission sets at different installations. “We’d be smart, when that’s published, to know how our installations link to those [missions] and how our community can support those — knowing we’re linking to direct requirements,” he said. The experts the team spoke with, Burchfield said, “all recognized what a great relationship the community has here with our military installations. There’s a true sense of community. That’s the golden thread.”

‘ROBUST AND GROWING’ The cybersecurity team was led by Mark Seglem, head of Colorado Technical University in Colorado, and he was joined by City Councilor Tom Strand, El Paso County Commissioner Stan VanderWerf and Valerie Martin Conley, dean of the College of Education at UCCS. The group vis-

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Colorado Springs Business Journal

ited the National Cybersecurity Center of Excellence & National Institute of Standards and Technology in Rockville, Md., before traveling to Arlington, Va., for a discussion with representatives from the Department of Homeland Security. Kevin Stine, applied cybersecurity division chief at NIST, provided an overview of the NCCoE’s mission and capabilities. “Broadly speaking, our mission is to develop and apply standards, guides and practices and bring in measurement science to help organizations manage cybersecurity risks in the context of their missions and business objectives,” Stine told the group. “Whether you’re a federal agency, state or local government, academic institution or a business of any shape or size in any industry, you likely have some technology with some sort of cybersecurity risk or consideration to make.” The center, through an annual $17 million appropriation, allows collaboration between sectors to address cybersecurity issues in business. The public-private partnership is meant to enable practical cybersecurity solutions for specific industries, including finance, health care and energy. Following a tour of the NCCoE, members of the cybersecurity track made comparisons to the fledgling National Cybersecurity Center in Colorado Springs. — Rachel Beck Seglem pointed out that, while the NCCoE works with businesses to find cybersecurity solutions, the organization differs from its counterpart in Colorado Springs in that it is less involved in the educational aspects of cybersecurity. While at the Department of Homeland Security, the cyber team discussed information sharing, assessments and educational support offered through the department. DHS shares intelligence products to protect networks within the private sector, as well as state, local and tribal entities. DHS also offers assessments to small and mid-sized businesses for free via a question-based web tool (cyber

resilience reviews) that provides a report on cybersecurity capabilities and exposes gaps. Cybersecurity advisers can administer the review for free. “We have a great cyber community in Colorado Springs with more than 100 [affiliated] companies,” VanderWerf said. “It’s a robust and growing new industry. I’m looking forward to the success of the National Cybersecurity Center and am very hopeful they’ll provide many outstanding services on the commercial side for cyber protection,” he said.

THE MIDDLE SKILLS The economic development team, which consisted in part of Mayor John Suthers, Chamber & EDC President and CEO Dirk Draper, and Colorado Springs Convention & Visitors Bureau President and CEO Doug Price, held meetings at the U.S. Chamber of Commerce, the National Federation of Businesses, the National Skill Coalition and the House Ways & Means Committee. The discussion at the NSC revolved around workforce development. Katie Spiker, a federal policy analyst with the NSC, which works to advance Washingtonbased policy efforts through federal legislation, national funding initiatives and agency regulation, provided the group with statistics specific to Colorado. In 2015, 50 percent of all jobs in the state fell within the middle-skill category, those occupations requiring more than a high school diploma, but not a four-year degree. Spiker said the demand for middle-skill jobs will remain strong during the next eight years, and added that middle-skills job openings will make up 45 percent of the state’s total workforce needs. NSC data also indicates that while 50 percent of Colorado jobs required middle-skill training in 2015, only 40 percent of the state’s workers are properly trained. “We work with community colleges, workforce boards,

“We talked philosophically, about where the rubber meets the road and everywhere in between.”

Event brought to you by:

Sept. 22 - Sept. 28, 2017

community-based organizations and, stemming out of those conversations, there wasn’t really a voice in D.C. for a lot of the small and medium-sized businesses we were working with,” she said. As that voice, the NSC is involved with several federal policy issues, including advocating for work-based learning and apprenticeships. Spiker said the NSC is also tracking a possible infrastructure package from the current administration and has proposed that any package should include funding earmarked for training. “We have a broad approach to infrastructure, so that could be anything from IT to surface construction — really broadly, utilities and anything else that could fit into infrastructure,” she said.

‘THE LONG GAME’ In all, group leaders said the annual trek to D.C. was a success. “I had a really great group on my track,” Beck said of the infrastructure team, which included City Councilor Jill Gaebler and El Paso County Commissioner Mark Waller. “They knew their stuff and were focused on learning as much as possible from the experts and on being an advocate for the region both in the short-term and long-term. “Policy at the federal level is the long game,” she continued. “It’s about building those long-term relationships so when there’s an opportunity to advocate for ourselves, we know who to go to for help and they’re familiar with our challenges and needs.” Having access to high-ranking officials was remarkable, she said. “We talked philosophically, about where the rubber meets the road and everywhere in between,” Beck said. “Also, it’s funny how sometimes it takes leaving town to form deeper relationships with the people you work with every day. It was nice to do that with such a broad and diverse group of professionals. A lot of people I met on this trip for the first time, and now I understand what they do and what they’re advocating for.” CSBJ Editor’s note: See more about the Colorado Springs Chamber & EDC Washington, D.C. Fly-In at CSBJ.com. n

Join us for TEDxUCCS - Curiosity UCCS Campus, Berger Hall • Thursday, October 5, 2017

This year we invite dreamers and thinkers to join us in the conversation about Curiosity. Join us for TEDxUCCS on October 5th and dive into the inquisitive nature and learn more about Curiosity. Media Partner:

For conﬁrmed speakers visit: www.TEDxUCCS.com/presenters

Additional speakers are added daily, check our website for the latest updates. For more information about this event visit www.TEDxUCCS.com This half day TEDx event is organized by the El Pomar Institute for Innovation and Commercialization (EPIIC).

For tickets visit www.TEDxUCCS.com

14 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

KUDOS

Submit items for Kudos, Business Briefs or People on the Move to editorial@csbj.com.

Compiled by Bob Stephens

OVERHEAD DOOR’S DEJONG JOINS ADVISORY BOARD Gary DeJong, president of American Overhead Door in Colorado Springs, has been appointed to the Clopay Door Dealer Advisory Board, which consists of 12 people from the top garage door companies in the nation. The board is an active contributor of new designs, styles, colors, technical engineering and the future of the garage door industry.

INSIDE PUBLIC HONORS LOCAL ACCOUNTING FIRM For the third consecutive year, the Colorado Springs accounting firm of Erickson, Brown & Kloster has been recognized as among the “Best of the Best” by Inside Public Accounting in the under $5 million category. The Best of the Best honors 50 CPA firms across the country for financial and operational performance based on more than 70 criteria. Erickson, Brown & Kloster has five partners and 26 employees.

LOCAL REALTOR AIDS HURRICANE VICTIMS Colorado Springs Realtor Michelle Fisher of RE/MAX Properties Inc. is collecting shoes and other items for Hurricanes Harvey and Irma victims on behalf of Soles4Souls, a nonprofit

global social enterprise that collects and distributes shoes and clothing. Fisher is accepting athletic shoes for all ages, men’s and women’s work-appropriate footwear, rain boots and attire, warm weather apparel, diapers, socks and underwear. Donated items can be dropped off at 1740 Chapel Hills Drive.

BOMBBOMB RENOVATES DOWNTOWN OFFICE SPACE Software company BombBomb has grown its team to more than 100 employees and projects further growth, requiring a complete renovation of its current office space in downtown Colorado Springs. The company redesigned and remodeled the entire seventh floor of the Wells Fargo Tower at 90 S. Cascade Ave. to accommodate projected growth of its team, creating a space that captures the spirit of the team and provide a better place to work for team members. BombBomb, founded in 2006 by Conor McCluskey and Darin Dawson, opens its doors to the Springs business community Sept. 28 for a “No Tie Happy Hour,” 4-7 p.m. with the $5 entry fee going to support Springs Rescue Mission and the Dream Center’s Mary’s Home. BombBomb generates video messages in email, text messages and social media.

BUSINESS BRIEFS HARRIS GROUP HOSTS COATS & CANS DRIVE Harris Group Realty Inc. is conducting its 13th annual Coats & Cans Community Drive to assist individuals and families in need throughout Colorado Springs. New or gently used clothing, coats, gloves, sweaters, scarves, hats, blankets and non-perishable food items are accepted. Donations benefit local nonprofits. Items may be dropped off 8:30 a.m.4:30 p.m. Monday-Friday at Harris Group Realty, 7011 Campus Drive, Suite 210 through Nov. 13. For more information, call 719-227-9900.

GOVIRG BECOMES CERTIFIED After 18 months of training, Colorado Springs-based govIRG has become the only company in Colorado and the western states certified to offer Unanet software as

a business process outsourcing program provider. Unanet is a real-time project-based software for government or commercial contractors. As a Unanet BPO program provider, govIRG can now provide this software to small businesses.

ACUPUNCTURE FRANCHISE COMING TO SPRINGS Modern Acupuncture is coming in October to Colorado Springs. The fi rst location is slated to open at University Village and is owned by Beth and Drew Slater. A minimum of 15 locations are planned to open throughout Colorado, creating about 90 new jobs. The company employs only licensed acupuncturists who are certified by the National Certification Commission for Acupuncture and Oriental Medicine and after completing a three-year master’s degree from an accredited school.

PEOPLE ON THE MOVE

John Wylie

New Director of Operations Concepts In Millwork Inc.

Cortney Quintero

New Public Relations Director Red Energy Public Relations, Advertising & Events

Cameron Moix

New Realtor Red Rock Realty

Amanda Luciano

New Realtor Red Rock Realty

Kaeli Mora

New Home Health Scheduler The Independence Center

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Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

Submit items for On the Horizon to events@csbj.com.

Networking Events

Regional Events

Saturday, Sept. 23

Tuesday, Sept. 26

Saturday, Sept. 23

PPLD: Facebook

MAC: Hail and Farewell

Tri-Lakes: Bines and Brews

Learn about the options for advertising on Facebook, 11 a.m.-12:30 p.m., 1175 Chapel Hills Drive. Go to ppld. org to register.

Join the Tri-Lakes Chamber of Commerce for its beer festival, 1-5 p.m., Limbach Park, Second and Front streets. Go to trilakeschamber.com to register.

Tuesday, Sept. 26

The Military Affairs Council hosts a hail and farewell for military personnel, 5-7 p.m., Doubletree Hilton, 1775 E. Cheyenne Mountain Blvd. Go to coloradospringschamberedc. com to register.

SBDC: Sell Your Business

Wednesday, Sept. 27

Pueblo: BBB Basics

Rising Professionals: Commissioner Coffee

The Better Business Bureau of Southern Colorado teaches accreditation basics, 9:30-11 a.m., 121 W. City Center Dr., Suite 205 in Pueblo. Go to bbb.org/southerncolorado to register.

What do you do first when you want to sell a company? Find out with the Pikes Peak Small Business Development Center, 11:30 a.m.-1 p.m., Catalyst Campus, 559 E. Pikes Peak Ave., Suite 101. Go to pikespeaksbdc.org to register.

Thursday, Sept. 28 SBDC: Financial Statements Understanding financial statements is key to understanding your business, 9 a.m.-noon, Catalyst Campus, 559 E. Pikes Peak Ave., Suite 101. Go to pikespeaksbdc. org to register.

CSBJ: Business Resources Learn to use the Business Journal, the Book of Lists and the Transcript to grow your business profits, free, 4:30-5:30 p.m, Library 21c, 1175 Chapel Hills Drive. Go to csbj.com/events to register.

PPLD: Income Investing The Pikes Peak Library District teaches new investment strategies, 6-7:30 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Tuesday, Oct. 3 SBDC: Retail Holiday Boot Camp Retailers small and large can learn how to approach the holiday season, 8-10 a.m., Tri-Lakes Chamber of Commerce, 166 Second St. Go to pikespeaksbdc.org to register.

Wednesday, Oct. 4 SBDC: QuickBooks Learn how to use Quickbooks, 12:30-5 p.m., Catalyst Campus, 559 E. Pikes Peak Ave., Suite 101. Go to pikespeaksbdc.org to register.

PPLD: Social Media How to use social media for your business, noon-1 p.m., Library 21c, 1175 Chapel Hills Road. Go to ppld. org to register.

Thursday, Oct. 5 SBDC: Leading Edge Join the Pikes Peak Small Business Development Center for its nine-week Leading Edge course for transportation, 5:30-8:30 p.m., ends Dec. 14, 565 Pikes Peak Ave. Go to pikespeaksbdc.org to register.

The Colorado Springs Rising Professionals speak with Commissioner Peggy Littleton, 7:30-9 a.m., Day Moon Coffee Co., 6058 Hollow Tree Court. Go to csrp.org to register.

BBB: Night of Excellence The Better Business Bureau of Southern Colorado hosts its annual Night of Excellence, recognizing businesses with outstanding customer service, 5:30-9 p.m., City Auditorium, 221 E. Kiowa St. Go to bbb.org/southerncolorado to register.

Women’s Chamber: Meet and Greet Join the Southern Colorado Women’s Chamber of Commerce for its Sunset Meet and Greet, 5-7 p.m., Sacred Grounds Café and Cheyenne Cañon Segways, 1801 Cheyenne Blvd. Go to scwcc.com to register.

Friday, Sept. 29 UCCS: Economic Forum The UCCS Economic Forum hosts its annual outlook of national, state and local economies, 1:30-4:30 p.m., The Antlers Hotel, 4 S. Cascade Ave. Go to uccseconomicforum.edu/registration to register for the event.

PPAR: Installation Dinner The Pikes Peak Association of Realtors hosts its installation dinner, 6-9 p.m., The Pinery, 775 W Bijou St. Go to ppar.org to register.

Tuesday, Oct. 3 Springs Chamber: Connect The Colorado Springs Chamber & EDC hosts its bimonthly Chamber Connect program, 11:30 a.m-1 p.m., Phantom Canyon, 2 E. Pikes Peak Ave. Go to coloradospringschamberedc.com to register.

Friday, Oct. 6 Springs Chamber: Arts The Colorado Springs Chamber & EDC and the Cultural Office of the Pikes Peak Region hosts the annual Business of Arts luncheon, 11:30 a.m.-1 p.m., The Antlers hotel, 4 S. Cascade Ave. Go to coloradospringschamberedc.com to register.

Monday, Sept. 25

Wednesday, Sept. 27 Pueblo: QuickBooks II Learn more advanced use of QuickBooks, 1 p.m. SBDC Downtown Studio Classroom, 302 N. Santa Fe Ave. Go to pueblochamber.org for more information.

Thursday, Sept. 28 Woodland Park: Roundtable The Woodland Park Chamber of Commerce holds its business roundtable, 7:30-9 a.m., 210 E Midland Ave. Go to woodlandparkchamber.com to register.

Friday, Sept. 29 Pueblo: Membership Lunch Join the Pueblo Chamber of Commerce for its membership luncheon, 11:30 a.m., location to be announced. Go to pueblochamber.org to register.

 

                      

Wednesday, Oct. 4 Latino Chamber: Coffee The Pueblo Latino Chamber of Commerce hosts its morning networking event, 8:15 a.m., 215 S. Victoria Ave. Go to pueblochamber.org to register and for more information.

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

Thursday, Oct. 5 Tri-Lakes: Breakfast The Tri-Lakes Chamber of Commerce hosts its monthly networking breakfast, 7:30-9 a.m., Chamber of Commerce and Visitors Center, 166 Second St. Go to trilakeschamber.com to register.

Woodland Park: Lunch The Woodland Park Chamber of Commerce hosts its monthly lunch and learn, 11:30 a.m.-1 p.m., 210 E. Midland Ave. Go to woodlandparkchamber.com to register.

Pueblo: Colorado C-PACE Learn about the C-PACE market opportunity, Rawlings Library, 100 E. Abriendo Ave. Go to copace.com to register.

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16 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

Focus

URBAN DEVELOPMENT

Academy: Boulevard of differences Photos by Bob Stephens

“Academy north of Woodmen [Road] is the gold area.” — Manny San Fernando

Woodmen Road

Falcon Landing north of Woodmen Road is one of Academy’s hot spots. Union Blvd.

Austin Bluffs Pkwy.

Construction of new Kum & Go at Maizeland and Academy is nearly complete. Maizeland Road

This large space at the Rustic Hills Shopping Center awaits a new business. Palmer Park Blvd.

Platte Ave.

Airport Road

The city offered Lowe’s a package of incentives to build on Academy.

Fountain Blvd.

New construction is ready for tenants in the 1600 block of South Academy.

Hancock Expy.

Milton E. Proby Pkwy.

Nevada Ave.

Walmart’s Neighborhood Market also received city assistance.

King Soopers left this Hancock Expressway site more than a decade ago.

Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

NEXT WEEK

WESTSIDE By Bob Stephens

all it natural progression. When a city grows in one direction and newer housing takes root, businesses soon follow. Older neighborhoods often see the departure of businesses that seek greener pastures and higher-income residential areas. It’s a city’s version of Charles Darwin’s evolutionary theory often referred to as survival of the fittest. It’s also part of the story of Academy Boulevard in Colorado Springs. The older sections, central and South Academy, are struggling to bring in new businesses while surrounded by residential areas that are largely populated by lower income groups. But the northern end of the boulevard has newer housing, higher incomes and a thriving retail market. “We know retail follows rooftops,” said Bob Cope, economic development director for the city of Colorado Springs. “North Academy is surrounded by newer, more modern housing stock and stronger demographics. It’s not completely that simple, but those things play a big part.” Manny San Fernando, senior broker with Kratt Commercial Properties, divides the Academy corridor into four sections. “Academy north of Woodmen [Road] is the gold area,” San Fernando said. In that area, commercial space doesn’t stay empty long. If one tenant leaves, another moves in quickly. “South of Woodmen is kind of no man’s land until you get to Union [Boulevard] and that area has done well,” San Fernando said. “The Citadel area has been challenged and then it’s kind of quiet until you get down south to Hancock Expressway. The Hancock Trace (shopping center) is about 96 percent leased

KEYNOTE SPEAKERS:

Erik Davidson & Michael Serio, Economists for Wells Fargo

Friday, September 29, 2017 1:30 p.m. - 4:30 p.m.

with a substantial part of that being national tenants such as Starbucks and King Soopers.”

“City and community intervention can make a difference,” Cope said. “It’s not hopeless.”

INCENTIVES AVAILABLE

NO URBAN RENEWAL PLANNED

Peter Wysocki, director of planning and development for Colorado Springs, said the city still makes use of its 2014 South Academy Economic Opportunity Zone Action Plan, which cited Hancock Expressway as one of four potential “catalyst areas” deserving of the city’s attention. The others were Rustic Hills, The Citadel and Fountain Boulevard. Wysocki even fancies the idea of multi-family housing being built in The Citadel mall parking lot. “We’d potentially have to change zoning, but that concept of having residential next to shopping is more common now,” Wysocki said. “There are all kinds of mixed-use opportunities out there.” The city has a performance-based incentive package available, where businesses potentially can get some sales and use tax returned, Cope said. The city uses it on a case-to-case basis. No incentives were offered for the new construction at Maizeland and Academy, he said, where a Carl’s Jr. and Kum & Go will open soon. South Academy is seeing some growth and new development, Cope said. “A major success story is Lowe’s purchasing that site at Citadel Crossing,” he said. “When the recession hit, they were going to sell. We had an economic development agreement and a very modest sales tax sharing agreement and incentivized them to build and open the store.” The city worked with Walmart to open a Neighborhood Market on South Academy and did the same with Gold’s Gym, which took over a building vacated in the Rustic Hills area.

Despite the blight, Urban Renewal Authority Executive Director Jariah Walker said there aren’t plans to create an urban-renewal area for any part of the Academy corridor. It’s just not that easy, he said. Still, he said, it could happen as part of larger redevelopment plans. “The board made the decision to allow me to seek out areas for urban renewal on the southeast side,” Walker said. “The Mayor [John Suthers] made the comment at our PlanCOS event [July 20 at the Southeast YMCA] that he’d like to see some urban renewal. “I’m trying to seek out investors and developers to see if there’s a fit where urban renewal could be leveraged. A lot of the market on Academy has left, gone either north or east, so there is a ton of opportunity down there. I’ve had discussions but nothing concrete. This stuff takes a long time.” If an urban renewal area is created, the city gives credit back to the developer if additional growth occurs in that area, up to 2 percent of the increased sales tax, Walker said. “Urban renewal is a great vehicle,” San Fernando said. “But you’ve got to have momentum with regards to sales tax-producing entities and we don’t have the businesses in any of those areas to do that, in my opinion.” There are currently 10 urban renewal areas in the Springs, Walker said, “It’s always a big deal,” he said. “You don’t want to create one just to create one. All hands have to be on deck to make sure the project is done. It’s serious business.” CSBJ

21st Annual UCCS Economic Forum - 2017 AGENDA

1:00 p.m. - 1:30 p.m. Registration 1:30 p.m. - 1:45 p.m. Opening Remarks

Welcome: Master of Ceremonies, Samuel Elliott, Co-founder of Tejon Technologies & UCCS College of Business Graduate Venkat Reddy, Ph.D., Chancellor, UCCS John Suthers, Mayor of Colorado Springs - by video

The Antlers Hotel 4 S. Cascade Avenue Colorado Springs, CO Platinum Level Sponsors:

Forum Founding Partner

1:45 p.m. - 2:45 p.m. Keynote Address: National and International Outlook

Erik Davidson, Chief Investment Officer, Wells Fargo Michael Serio, Regional Chief Investment Officer, Wells Fargo

2:45 p.m. - 3:55 p.m. Economic Conditions and Outlook for the Pikes Peak Region Tatiana Bailey, Ph.D., College of Business and Administration, UCCS 3:55 p.m. - 4:30 p.m. Audience question and answer session with economists Community Updates: One minute briefings by community leaders throughout the program

Media Sponsors:

4:30 p.m.

Networking happy hour, The Antlers Hotel foyer

Join us as the Forum presents its annual analyses of the national and regional economies. In addition, community leaders will deliver one-minute updates throughout the program.

18 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

THE LIST: CHAMBERS OF COMMERCE

Chambers of Commerce

From The Book of Lists & Power Pages

Ranked by Membership

Ranked by Membership Rank Name Address

1 Southern Colorado Womenâ&#x20AC;&#x2122;s Chamber of Commerce launched the Affinity Program which gives special rates and services to its members.

Colorado Springs Black Chamber of Commerce celebrated its 25th anniversary this year.

2 3 4 5 6 7 8 9

To purchase your own Book of Lists or the full Chambers of Commerce List, call Cristina Jaramillo at 719-634-5905

Website Email Phone/Fax

Total Members

No. Staff/ No. Board Members

Annual Dues

Person in Charge, Chair Title

Colorado Springs Chamber of Commerce & EDC 102 S. Tejon St., Ste. 430 Colorado Springs, CO 80903 Greater Pueblo Chamber of Commerce 302 N. Santa Fe Ave. Pueblo, CO 81003 Tri-Lakes Chamber of Commerce, Economic Development Center & Visitor Center 166 Second St. Monument, CO 80132 Greater Woodland Park Chamber of Commerce P.O. Box 9022 Woodland Park, CO 80866 Southern Colorado Women's Chamber of Commerce P.O. Box 49218 Colorado Springs, CO 80949 Manitou Springs Chamber of Commerce 354 Manitou Ave. Manitou Springs, CO 80829 Old Colorado City Associates 2324 W. Colorado Ave. Colorado Springs, CO 80904

coloradospringschamberedc.com info@cscedc.com 719-471-8183/719-471-9733

1,058

19 25

$400 and above Dirk Draper ($250 for nonprofits) President and CEO

pueblochamber.org info@pueblochamber.net 719-542-1704/719-542-1624

1,000

N/A 20

Minimun $320

trilakeschamber.com Terri@TriLakesChamber.com 719-481-3282/719-481-1638

486

4 11

$99.75-$519.75

woodlandparkchamber.com info@gwpcc.biz 719-687-9885/719-687-8216

450

2 11

Varies

scwcc.com info@scwcc.com 719-442-2007 /N/A

250

1 11

$250 and above Lola Woloch ($200 for nonprofits) President and CEO

Candy Vandenberg

1993

manitousprings.org manitou@pikes-peak.com 719-685-5089/719-685-0355

220

N/A 9

$100 - $500

N/A

1989

shopoldcoloradocity.com info@shopoldcoloradocity.com 719-577-4112/N/A

1 8

$207

N/A

1976

Colorado Springs Black Chamber of Commerce 905 Aviation Way, Ste. 170 Colorado Springs, CO 80916 Eastern Plains Chamber of Commerce 9475 Grace Church View Falcon, CO 80831 Hispanic Business Council N/A

csblackchamber.com info@csblackchamber.com 719-487-9176/719-481-2833

0 6

$100

easternplainschamber.com board@easternplainschamber.com 719-352-2670/N/A

N/A 5

$100

COSConcilio.com aperez@successisalanguage.com 719-888-9662/N/A

1 7

N/A

Rod Slyhoff, Phyllis N/A Samora President and CEO, Vice President Terri Hayes Kevin Hancock President and CEO

Year Est. 1892

1910

1977

Debbie Miller, IOM, Lenore Hotchkiss 1968 ACE President

(1)

Leslie Lewis Executive Director

Dr. Jaki Taggart, Dr. Jaki Taggart Janet Brugger President, PresidentElect 2018 Dave Ahrens Ben Kley President

1993

Anthony Perez President

2016

N/A

2003

In cases of a tie, secondary ranking is by number of staff. N/A- not available. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/ corrections to cristina.jaramillo@csbj.com. (1) Individual $125, Company $225, Nonprofit Company $175, Business $750, Corporate $1,500.

This is the top listing of Chambers of Commerce that responded to questionnaires, notices and telephone inquiries.

ARE YOU READY FOR THE 2018

CONSTRUCTION SEASON?

LEADING EDGE FOR TRANSPORTATION will take your construction or engineering business to the next level with a business plan and tools for success. The 9-week program starts 10/5 at Catalyst Campus. All eligible participants will qualify for FREE tuition! Come to a free info session on 9/28 to learn more or visit

Business Resources 101

Grow your business and create more wealth Want to increase your business bottom line? The Business Journal can give you valuable resources to increase your customer base and improve profits using the newspaper, our Book of Lists and The Transcript, our legal paper.

brought to you by

http://bit.ly/leadingedgefortransport.

Thursday, Sept. 28 4:30 -5:30 P.M. â&#x20AC;˘ Library 21c Sponsored by:

RSVP for this

FREE EVENT

at CSBJ.com/Events.

SPECIAL OFFER: All attendees will receive a 50% discount for additional Book of Lists, Digital Book of Lists and CSBJ subscriptions.

Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

THE LIST: PROFESSIONAL ASSOCIATIONS Professional Associations From The Book of Lists & Power Pages Ranked by Membership Ranked by Membership

Just Missed The List 8 - Colorado Springs Rising Professionals 9 - El Paso County Contractors Association

Rank

10 - Association of Fundraising Professionals, Southern Colorado Chapter

The El Paso County Bar Association hosts community legal days where free legal advice is given in areas such as family and elder law.

AFCEA Rocky Mountain Chapter–Colorado Springs was awarded Model Chapter of the Year.

To purchase your own Book of Lists or the full Professional Associations List, call Cristina Jaramillo at 719-634-5905

Don’t miss The List Sept. 29: Colleges, Universities & Trade Schools Oct. 6: Museums & Art Galleries Oct. 13: Startup Resources Oct. 20: Architects

5 6 7

Name Address

Individual Members

Mission Statement

Person In Charge, Title

3,500

Local Full-Time Employees 20

Pikes Peak Association of Realtors 430 N.Tejon St. Colorado Springs, CO 80903 ppar.com areid@ppar.org 719-633-7718 El Paso County Bar Association 518 N. Chelton, Ste. 210 Colorado Springs, CO 80909 elpasocountybar.org executivedirector@elpasocountybar.org 719-473-9700 AFCEA Rocky Mountain Chapter – Colorado Springs P.O. Box 76960 Colorado Springs , CO N/A rockymtn-afcea.org chairman@rockymtn-afcea.org 719-216-4530 The Apartment Association of Southern Colorado 545 E. Pikes Peak Ave., Ste. 105 Colorado Springs, CO 80903 aaschq.org laura@aaschq.org 719-264-9195 Global Market Development Center 1275 Lake Plaza Dr. Colorado Springs, CO 80906 gmdc.org info@gmdc.org 719-576-4260 Housing and Building Association of Colorado Springs 4585 Hilton Pkwy., Ste. 100 Colorado Springs, CO 80907 cshba.com renee@cshba.com 719-592-1800 Colorado Springs Dental Society 1870 Dublin Blvd., Ste. C Colorado Springs, CO 80918 cs-ds.org csds@cs-ds.org 719-598-5161

The Pikes Peak Association of REALTORS helps its members to be ethical, professional and successful by providing quality services and protecting the free enterprise system and real property rights.

Amy Reid CEO

944

N/A

The Bar Association's mission is to provide legal information and services to its members and to promote respect for the law and the legal profession by the public.

Kristi Dorr Gilkes Executive Director

880

AFCEA International, established in 1946, is a non-profit membership association serving the military, government, industry, and academia as an ethical forum for advancing professional knowledge and relationships in the fields of communications, IT, intelligence, and global security.

Robert F Wright Jr President, Chairman of the Board

550

Laura Nelson Executive Director

543

The Apartment Association of Southern Colorado is the area's recognized leader in the rental housing industry. It endeavors to enhance the professionalism and profitability of its membership through: products, services, education & networking; communication of local, state and national issues; representation in legislative and regulatory matters. By so doing, the Association helps foster a strong and ethical rental housing industry in Colorado Springs, Pueblo and surrounding communities. To connect, to inform and to deliver general merchandise and health, beauty, wellness business solutions that enhance members' prosperity

519

The Housing and Building Association of Colorado Springs is committed to promoting policies that allow for the production of safe and affordable housing and to enhancing the environment for the housing and building industry in El Paso County.

Renee Zentz Chief Executive Officer

425

To promote the dental health of the public in the Pikes Peak region, to advance Sharyn Markus the art and the science of dentistry, to represent the interest of the members of Executive Director the dental profession and the public, which it serves, to foster an awareness of the obligations and the responsibilities of the dental profession to society, and to provide opportunities for an exchange of ideas among members

Patrick Spear President and CEO

In cases of a tie, secondary ranking is by number of full-time local employees. NR- not ranked, indicates that the information necessary for ranking was not provided. N/A- not available. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/corrections to cristina.jaramillo@csbj.com.

This is the top listing of Professional Associations that responded to questionnaires, notices and telephone inquiries.

These companies support the Apartment Association and its mission to protect & strengthen the rental housing industry.

Rental housing is booming, creating high demand for quality suppliers. Build your client base & reputation by joining the Apartment Association of Southern Colorado.

Support those who support the rental housing industry!

-Free Listing in Online Buyer’s Guide -Free Networking Events -$50 off your Annual Dues

Apply online at www.aaschq.org

AASC I 545 E. Pikes Peak Ave., Ste. 105 I Colo. Spgs., CO 80903

20 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

SOUTH TEJON STREET BUILDINGS TO BE REDESIGNED, REMODELED Two months ago, Joe Niebur, CEO of Niebur Development, acquired half a block on South Tejon Street just south of East Cimarron Street. Plans to redevelop the block with help from Ryan Lloyd of Echo Architecture in Colorado Springs are in place, and call for remodeling the storefronts for Computer Resources, McCabe’s, The Coffee Exchange and Rest Float Solutions. Niebur said he wants to restore the building to its original design from the early 1900s. The remodel and renovations should be finished by late spring or early summer of next year. Construction on the former SouthSide Johnny’s restaurant space, about 9,500 square feet of existing space, includes 5,000 square feet in expansion to the south side of the building, which includes a second story with a rooftop patio over the new construction, Lloyd said. The exterior of the building will also have a more modern design once remodeled, Niebur said. Atomic Cowboy, Denver Biscuit Co. and Fat Sully’s New York Pizza, a three-in-one Denver-based concept, will fill up to 7,000 square feet at the front of the former SouthSide Johnny’s building, including the new second level and rooftop patio. In the back of the building, around 7,000 square feet is still available, so four total restaurants could fill the former SouthSide Johnny’s building, said Niebur, adding that he has serious interest from a couple of potential tenants, though he would not release any names. Three outdoor patios will be added behind the expansion on the south side of the building for other future restaurant’s use, while a patio on the east side of the building will be created and used by Atomic Cowboy. Half the 45,000 square feet of the total space on South Tejon Street is vacant and right now there are plans to remodel, renovate or reposition McCabe’s and The Coffee Exchange, according to Niebur. The only business not making any interior changes is Rest Float Solutions. McCabe’s, The Coffee Exchange and Rest Float Solutions will remain as tenants. — Audrey Jensen

CityBits The Business Journal staff reports

Photo by Bryan Grossman

23rd Annual

September 22-24 22-24 -24

LEADERSHIP

LESSONS

Celebrating 23 Years!

Oct. 30 Garden of the Gods Club & Resort Gateway Building/ Three Graces Space

Union Avenue Historic District, Exit 98B

TOM NAUGHTON Tom Naughton, market president for U.S. Bank has a long history in banking. He’ll talk about his path to leadership, lessons learned along the way and what’s new in the banking industry.

Friday 3pm-12aM, Saturday 10AM-12aM & Sunday 10AM-6PM $3 Per Person, Children 12 & Under Free

Chile, Chile, Chile! Live Entertainment

Family Fun

Dancing & Much More!!

pueblochilefestivalinfo.com or 719-542-1704

4:30-6:30 pm • Ticket Price: $25 • RSVP at csbj.com/Events

Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

Following the end of Verizon’s lease at 2424 Garden of the Gods Road in August, 450,000 square feet of office space became available — one of the largest unleased spaces in the state, according to Steve Kohls, who is part of the leasing team for the office space and is the CBRE vice president in Colorado Springs. In August 2016, Verizon signed an agreement with Westside Investment Partners to sell the property but also remain in 80,000 square feet of the buildin to maintain its operations. The company unveiled Westside’s $3.5 million in interior renovations at an open house earlier this week. Improvements include: campus-wide Wi-Fi connections, a renovated lobby and atrium with updated technology, a 250-seat auditorium, a conference center, community workspace, a yoga and fitness studio with lockers and showers, a renovated café and outdoor barbecue areas.

The space is currently leasing at $13.50 per square foot — including rent, utilities and other costs — but might increase, according to Kohls. “The fact that we have the largest office space availability in the state, combined with the value proposition that it offers — I think it’s a premiere office setting that gives us the opportunity to pursue regional headquarter-type operations with companies that would bring high-paying jobs to the city,” Kohls said. “That’s a very real opportunity for us. We’re hoping to partner with local and state economic development to make sure that any companies considering Colorado are aware of this rare opportunity.” CBRE is particularly interested in attracting technology, defense aerospace, engineering and science, technology, engineering and math companies. Four national firms in high tech, defense and aerospace have shown interest in the space so far, said

Kohls, though he would not release their names. “That’s what we want for [Colorado Springs], what we want to use for the city,” he said. “The fact that we’ve got 38 percent of the [Colorado Springs] population with a bachelor’s degree or higher, and the fact that we already have quite a bit of talent in the engineering and technology fields — I just feel that those wages here compared to what they get paid in other places along the Front Range are very comparable,” Kohls said. A CBRE press release quoted Colorado Springs Mayor John Suthers, who extolled the virtues of Westside’s property and the Springs’ economy and lifestyle. “Here in Colorado Springs we have seen impressive year-over-year population, job and economic growth, with talent and companies relocating from all over the country to take advantage of our lower cost of living, higher quality of life and skilled labor pool,” Suthers said. — Audrey Jensen

FRONTIER ADDS MORE STOPS FROM COS

the Springs airport. “We’ve been adding service to Colorado Springs for the last year and we’ve been very pleased with the public response to our low fares,” Zeni said. “We had the opportunity to add these four destinations, and we think they’ll do quite well. Colorado Springs and the Southern Colorado community have responded well to the low fares Frontier has brought to the market.” This summer, Frontier added seasonal flights to San Diego, San Francisco, Chicago and Washington, D.C. But even as some flights are added, other companies are reducing their flight schedule. Last week, Seattlebased Alaska Airlines said it will end its direct flights between the Springs and Seattle on Nov. 4, because of a pilot shortage. Colorado Springs Mayor John Suthers was at the airport for Frontier’s announcement.

“The momentum at the Colorado Springs Airport continues,” Suthers said in a news release. “We are exceptionally pleased with today’s news by Frontier Airlines and appreciate their continued partnership and investment in our community. Expanding our route map in all directions further strengthens direct air access opportunities for business and leisure travelers, and bodes well for our future in air service.” Mayberry said the new destinations are a good reach for the market. “It provides a real positive opportunity for the airport and community to enter these markets,” he said. “Once we can penetrate the market via air service, it provides the opportunity to gauge that market and allow for possible expansion, should demand prove it’s a market that can grow.” — Bob Stephens

CBRE AIMS TO FILL LARGEST OFFICE SPACE AVAILABLE IN COLORADO SPRINGS

Frontier Airlines will add four new detinations from Colorado Springs Airport. Frontier will fly directly from the Springs to Minneapolis, San Antonio, San Jose, Calif., and Seattle. The additions will be seasonal flights, beginning in April 2018 and continuing through late fall, said Rick Zeni, chief information officer for Frontier Airlines. The announcement fits the city’s needs, according to Springs officials. “What’s important with these four markets is that they’re on [the city’s] top 20 list of unserved destinations,” said Adam Mayberry, marketing and communications manager for the Colorado Springs Airport. “Based on our air service studies, there is a clear demand to serve these four markets.” Frontier now offers low fares to 16 destinations from

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22 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

Taxes: Repatriated earnings part of liability discussion might simply be redirecting much of that money back into overseas operations. “Our clients don’t make every decision based on the tax impact,” said Judy Kaltenbacher, tax partner at Stockman Kast Ryan. “But if the government lowers the corporate rate, it could cause some companies to bring their money back.”

From page 1

OVERSEAS TAXES

if it’s changed, will come down to the proposed 15 percent. “What I think is politically possible is maybe 20 percent,” he said. If the U.S. tax rate for businesses drops to 20 percent, then a company paying 20 percent to a foreign country for overseas earnings could bring the rest of its profits back to the States without being taxed a second time, Prentice suggested. “A significant portion of that money would come back here,” he said. “They’re keeping a lot of their earnings overseas and it hurts our economy. Even if our tax rate dropped and they were still being taxed twice, it might be a lot lower and that would encourage them to bring money back home.” Bradley-Anderson said if the driving purpose of a company is to pay dividends to stockholders or to grow, it is likely already returning overseas profits to the States. “It’s very complicated, but if the tax rate was lowered, it would incentivize those companies to return more money back to the United States,” she said. “But there’s no guarantee they’d bring it back. They need two things: a rate drop and a business purpose, such as investing in the business or paying stockholders. They have to look at what makes the most sense to them. Although we do have the highest tax rate, there’s more going on in every company’s decision than just the tax rate.” Kaltenbacher believes that the administration’s proposals to lower taxes would benefit business and the economy. “A tax rate cut would be a benefit to our community,” Kaltenbacher said, “because companies would probably be plowing money back into their business and creating more jobs and helping our local economy.” CSBJ

Many companies doing business globally must pay taxes to the country where they earn a profit. If they bring the rest of that money back to the United States, they can be taxed again. Bryan Construction does work overseas, but doesn’t CONFLICTING VIEWS usually face that double-taxation problem, Bryan said. Some economists want to see the changes to the tax “Most of our business overseas is contracted by the code go even further than Trump’s proposal. U.S. government, so we’re taxed here,” Bryan said. Colorado College Economics and Business But when a company pays taxes overseas, it also Department Professor Bill Craighead cites loopholes becomes a tax deduction, said Bradley-Anderson, and tax deductions as reasons corporations don’t actuexplaining that it’s called a foreign ally pay a 35 percent tax rate — some tax credit. of the nation’s biggest companies don’t It’s a complicated process, she said, pay any taxes — and why most famibut is measured against a company’s lies don’t really pay in the 25 percent U.S. tax liability. bracket. Bradley-Anderson said a compa“You could make the argument we ny doing business overseas might be should get rid of all deductions and double-taxed but still won’t pay more just tax at a certain rate,” Craighead than the 35 percent corporate rate. said. “There are a lot of nuances and For instance, if the company pays 15 a lot of loopholes.” percent tax in a foreign country, it And Paul Prentice, an economics won’t be charged more than 20 perfellow at the Centennial Institute of cent in the States. — Judy Kaltenbacher Colorado Christian University, be“Theoretically, it would add up to lieves that a zero tax rate is reasonable 35 percent,” she said. for businesses. Many companies elect to keep “People invest in their own businesses, and they foreign profits overseas, rather than paying double have no guarantee if it will succeed or if they’ll go taxes. More than $2 trillion is reportedly being kept broke,” he said. “Why shouldn’t they reap the rewards in banks outside the U.S. rather than be subjected to of that risk when it goes well, instead of having the a second tax. government steal part of it. The government doesn’t But sometimes, it isn’t a matter of just avoiding really have a right to it.” taxes, said Bradley-Anderson. Some companies Prentice doesn’t think the corporate tax rate, even

“If the government lowers the corporate rate, it could cause some companies to bring their money back.”

Eighth Annual Rocky Mountain Scramble Golf Tournament

Citizen Soldier Connection thanks you for all your support and dedication to our military families. With your help and contributions, we raised $70,000 at the 2017 Rocky Mountain Scramble and Live and Silent Auction!

Special Thank You to Our Sponsors!

Breakfast Sponsor

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Gold Sponsors Hole Sponsors

Bronze Sponsors

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Thank you, also, to our generous donors for the live and silent auction: Gary & Tracy Wagner Bill & Nikki Carder Jack Damioli Linda Weise & Keith Wells Mike Allred Joe Ellis Don Medina Glenn Pierre Ed Baur

Glenn Wallace Greg Wellens Mike McKiernan Perry Sanders Jamie & Darren Dodd USAFA Athletics Department Magnum Schoring Range City Rock

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Mike Beagley Mike Scandrett Crystal Robinson Bill Kurtz Chad Anschutz The Country Club of Colorado David Randolph Michelle Major

Save the Date: 2018 Rocky Mountain Scramble and Auction • Aug. 15 & 16 at The Broadmoor

COMING SOON to your galaxy #IndyBestOf Pick up both super-sized issues:

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Colorado Springs Business Journal

County: Complex issue

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LIVING PERFECTED

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essary to do it right every time. I firmly believe they hold that responsibility.” Fellow commissioner Glenn disbusiness. We ask them to rectify the isagreed, noting the complexities of marsues. If a restaurant isn’t clean, we don’t ijuana regulations. close their doors. If a liquor store sells “Especially with this industry, it’s a to a minor, we don’t shut them down constantly evolving issue and the laws when they’re up for renewal.” and rules are changWaller dismissed ing,” Glenn said. “My the comparisons to mindset, whether it’s other businesses. marijuana or some“[Marijuana] is thing else, I try to still illegal federnot let that form ally,” Waller said. a bias. To me, you “This is a business evaluate the rules that is operating they’ve been given on the fringes. So I to operate under. think if I were doing — Darryl Glenn We’re here to enforce it, I would go out of the law. Part of being my way to make an attorney is setting aside whatever sure I was doing it correctly. This is difyour personal bias is and you respect ferent than building houses. This isn’t something that is societally accepted the the will of the voters and you apply the way building houses is, so they have a rules and laws to that and you make a responsibility to take the extra steps necdecision.” CSBJ

Sept. 22 - Sept. 28, 2017

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24 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

OPINION: SWEET

Routon’s retirement leaves big shoes to ﬁll

ext Thursday, the Colorado Spr i ngs Business Journal will come back from the printer ready to be mailed and distributed — just like always. And the editorial, advertising and production staffs will be preparing for the Oct. 6 edition — just like always. We’ll interview sources, talk to clients, plan the paper’s upcoming S W E E T events. But it won’t be the same. For the first time in five years, we’ll be doing it without Executive Editor Ralph Routon, who was always available for advice and assistance, even when he was on vacation. That’s just the kind of editor and mentor Ralph is. Ralph is retiring Sept. 27, and although we’re hoping he’ll still be available in 2018, he has plans to travel and decompress from decades of meeting deadlines, editing copy, filling in for people on vacation, mentoring staff and providing guidance. He’ll be missed — and by few more than me. I met Ralph in 2012, although I knew his name and reputation for years before that. You can’t live in Colorado Springs and not know who Ralph Routon is. But that was the year when John Weiss bought the Business Journal from a faltering Dolan Media Group, and the editorial staff was nervous about what that would mean. Would we change our editorial direction? Would we start taking marijuana advertising? Would we all still have jobs? What was this new editor (our third since 2010) going to be like?

Amy G.

We shouldn’t have worried. Within days, Ralph managed to calm everyone’s fears. Within weeks, he proved to be one of the best editors I’ve ever had. He was dedicated; he worked long hours; he provided feedback, but did it in a way that you hardly knew you were being criticized; he provided new sources, new ideas and new ways to approach our beats. And his leadership showed — for the first time in its history, with Ralph at the helm, the CSBJ won a Best in Class award from the Colorado Press Association in 2013. Over the years, Ralph has become a mentor and a friend. His generosity knows no bounds and his critiques always make reporters better at their jobs. He has a knack for teaching in a way that doesn’t make people defensive — and that’s a trait I wish I had. He’s always the fi rst person I ask when I’m stuck for an idea for a story or a column; always where I go when there’s a situation with a reporter who needs additional support or training. He is an ambassador for the paper, representing the Colorado Publishing House during Chamber of Commerce trips and at countless networking activities. We know Ralph will still be engaged in the community. After years on the Cheyenne Village Board of Directors, he’s active on the board of the Center for Nonprofit Excellence and several other community organizations. For most people, the only difference will be that he has more time to volunteer, away from the pressures of daily and weekly deadlines for three

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newspapers. He’ll remain on our masthead as executive editor emeritus, and we hope he’ll pitch in for future editions as people go on vacations or we end up needing some extra help. But for those of us still tied to those daily and weekly deadlines — at the CSBJ, at our sister papers the Colorado Springs Independent and the Pikes Peak Bulletin — we’ll feel his absence. We’ll manage, but we’ll miss Ralph’s steady hand and deft editing skills. We’ll miss his calm, “We’ll get it done” whenever deadlines near, work isn’t finished and tempers start to fray. Thanks to Ralph, we always got it done and stayed friendly. On both a personal and a professional level, I owe Ralph Routon a huge debt. He — along with then-Publisher Jen Furda — was the one who promoted me to associate editor, then to editor. He’s supported my career aspirations and offered advice whenever I asked (and I asked frequently). There’s no way to thank him enough for his support. It’s not nearly enough, but it needs to be said: On behalf of the entire CSBJ team, thank you, Ralph, for making the paper so successful. Thank you for those late hours, those canceled vacations, those nights and weekends. The CSBJ is better for your having been involved — and so are the countless journalists you worked with throughout your long and storied career. CSBJ

On behalf of the entire CSBJ team, thank you, Ralph, for making the paper so successful.

Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

OTHER VOICES

The Aging Workforce: Retiring from careers, not life

’ve heard it said that everybody ends up somewhere in life — some on purpose. Here’s a story of someone who is ending up somewhere on purpose. “I wanted to retire from my career, not from life!” said Tom Smith, following a career at the leadership level in health care. When he left his “career passion” position, he took a month off to decompress, S C O T T then started to consult. Unfulfilled after a year, he again transitioned. “I had no plan. I didn’t know what I wanted to do, but I sure knew what I didn’t want to do,” Tom said. His desire for significance after retirement is one I hear often. According to the Center on Aging and Work at Boston College, nine in every 10 retirees who continue working do so to stay active and involved. Enjoyment of work was also a reason given by 82 percent of retirees. So, Tom’s post-career journey may sound typical. However, I’ve learned that if you’ve heard one story of transition, you’ve heard one story! Here’s the rest of Tom’s story: While wondering what he was going to do next, a friend mentioned to him that Academy School District 20 was hiring bus drivers. Now, this was not on his list of things to do with his life, but it did seem to check off many things on his “must haves” list for a retirement job. He wanted to work part-time, he wanted summers and holidays off, he wanted to show up and do a good job without having to be involved in office politics. And, yes, he liked children — a plus for this job.

So, he gave it a try. He found that District 20 provided top-notch training for its drivers. That was four years ago. A job that many might think of as unchallenging has been tremendously rewarding for Tom. I was impressed that he was intentional about requesting a junior high school-age route because he believes they need the most in terms of good relationships. He also likes the challenge of this age group. Tom shared that driving a bus is not much different from his corporate leadership role when it comes to having an intentional impact. He told me about one young man who challenges him every day with questions of “why, why, why” related to rules, societal issues and just about everything. “Everyone, even kids, want to be led,” Tom said. “Just like in the corporate world, the question is how to lead them.” Full of bus driving stories, he shared a particularly meaningful one about a girl he picked up each day. She was quiet, very shy, talking to no one on the bus. Tom began to greet her each time she boarded his bus with “Hello, princess!” She never responded. However, on the last day of school, as she got off the bus, she grabbed him and gave him a big hug. “As I drove away, I had tears in my eyes,” Tom said. Now that’s having significance! An unexpected reward from his retirement job is that he has developed many new and deep friendships. He described his bus driving career as a social club interrupted by two 2-hour work gigs. Many people in

transition I coach mention that the loss of professional friends they have worked with for years is one of the down sides of retirement — the loss of your tribe, if you will. In this role, Tom found something he wasn’t originally looking for — a new tribe. Many had also been professionals in their previous careers. An important lesson for us all emerges from Tom’s story: Sometimes you just need to walk through doors that open to you. You never know what precious relationships and experiences may lie on the other side of that threshold. What about Tom’s future? He says he plans to drive a bus until he’s ready to do nothing. Given his job satisfaction and the significance he attaches to his work, that may be a long time. And he is where he is, on purpose. Finally, I have an invitation for you: Join Innovations in Aging, the Old North End iVillage and the Village to Village Network for a simulcast talk by Dr. Atul Gawande, best-selling author of “Being Mortal,” about the value of community and choice as we grow older. The talk is at 3 p.m. Monday, Sept. 25, at Penrose Hospital’s Cancer Center Conference Rooms A-C. Contact Claire Anderson at claire@innovationsinaging.org to register. BJ Scott, an advocate for age-friendly workplaces, is the former CEO of Peak Vista Community Health Centers and its foundation. She can be reached at bjscott2325@ gmail.com.

Sometimes you just need to walk through doors that open to you.

ACA stability requires a bipartisan effort

his year has been a rocky one for the more than 169,000 Coloradans who receive health coverage through Connect for Health Colorado, including the roughly 37,000 local small business owners and solo entrepreneurs who depend on the marketplace for quality, affordable health insurance. Between dogged Republican attempts to repeal the Affordable Care Act without an adequate replacement plan, and President Donald Trump’s inability to commit to making federal payments that subsidize insurance for low-income individuals, the ACA marketplaces are less stable than they were just 12 months ago. Now more than ever, we need a bipartisan plan to improve the ACA, and fortunately lawmakers like Gov. John Hickenlooper have taken a first step in that direction. “The current state of our individual market is unsustainable, and we can all agree this is a problem that needs to be fixed,” Hickenlooper and Ohio Gov. John Kasich said in a recent letter to congressional lawmakers. “Governors have already made restoring stability and affordability in this market a priority, and we look forward to partnering with you in this effort.” Something must be done now to strengthen the health of marketplaces, particularly because President Trump refuses to guarantee the future of federal ACA cost-sharing subsidies, which are a pillar of the health system. Under the health care law, insurance companies

receive payments from the federal government known as cost-sharing reduction subsidies that are used to lower the deductibles and co-pays of low-income enrollees. The Congressional Budget Office recentD E W E Y ly estimated that discontinuing these payments would cause insurance premiums to skyrocket by 20 percent next year and 25 percent by 2020. In addition to raising premiums, the CBO report finds ending the CSRs would actually increase the federal deficit by $194 billion because consumers would need additional tax credits to offset premiums and it would cause a million people to lose health insurance coverage. Ending these subsidies would also likely result in a mass exodus from the individual market by insurance companies, meaning an unknown number of entrepreneurs would be unable to afford health coverage for themselves and their employees, while aspiring entrepreneurs would be unable to start a new business at all because they won’t be able to access affordable health coverage. To end the politically-created uncertainty surrounding the ACA, Hickenlooper and Kasich wisely proposed continuing the CSR payments. They also called on Congress to establish

Emily

a temporary fund states could use to create reinsurance programs that would reduce premiums, temporarily keeping the individual mandate in place and encouraging the federal government to offer robust health care education and outreach, which helps increase participation in the ACA. Additionally, the Hickenlooper/ Kasich plan calls on the federal government to bolster federal risk-sharing mechanisms, including risk adjustments and reinsurance to stabilize risk pools, and to maximize market participation by encouraging young people to obtain insurance. While their plan is not perfect and lacks some specific details about how some of these proposals would work, it has many good ideas and would be a great start to the process of strengthening the ACA. There is much more, however, that should be done to bring greater stability to the ACA marketplaces. For example, the reinsurance program Hickenlooper and Kasich proposed should be made permanent because it would help stabilize premiums in the individual marketplaces by protecting insurers from big financial losses. What’s more, continuing Medicaid expansion would

go a long way in states like Colorado, which already saw 100,000 people gain insurance through the growth of that program under the ACA. Additionally, we must provide more options for consumers in counties that have few participating insurers in the ACA marketplaces, for example by allowing them to purchase plans through the Federal Employee Health Benefits Program. Now that efforts to repeal the ACA have stalled, Colorado’s small firms need President Trump and his allies to stop risking the health coverage of thousands of local small business owners and their employees, stop using health care as a political pawn, and stop undercutting the ACA. Entrepreneurship will not thrive without easily obtainable, quality health insurance, and the reality is that only federal lawmakers can take the steps needed to guarantee that this insurance coverage will remain available. Congress should follow Gov. Hickenlooper’s example and start making positive health care policy immediately — Colorado’s economy and more than a half-million small businesses depend on it. Emily Dewey is the Colorado outreach manager for Small Business Majority.

ACA marketplaces are less stable than they were just 12 months ago. Now more than ever, we need a bipartisan plan to improve the ACA.

26 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

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BUSINESS LEADS Incorporations Filed with the Secretary of State when an individual or business incorporates. ENTITY NO 20171678837 20171683343 20171683172 20171437062 20171581924 20171677548 20171677553 20171677554 20171677555 20171677556 20171677561 20171677564 20171677569 20171677598 20171677758 20171677872 20171677874 20171677965 20171678007 20171678180 20171678211 20171678233 20171678243 20171678256 20171678276 20171678334 20171678412 20171678426 20171678593 20171678911 20171678913 20171678973 20171678976 20171679019 20171679023 20171679149 20171679258 20171679273 20171679301 20171679384 20171679417 20171679480 20171679525 20171679773 20171679880 20171679884

CORPORATION NAME TYPE The Amoruso Law Firm, LLC DLLC The Buzz Ltd DLLC AVH Homes, LLC DLLC Exponential Impact DNC Dynarex Corporation FPC Lauro Valente Chavez-Munoz, LLC DLLC PALACE NURSERY LLC DLLC Until the Very End Co., LLC DLLC Telescope Services, LLC DLLC Global Contract Consulting, LLC DLLC Gforce3, LLC DLLC Rank Beast, LLC DLLC Racks & Roses Kinetic Training Systems, LLC DLLC MKB SERVICES LLC DLLC R&S Custom Woodworking LLC DLLC Registration Download llc DLLC Dee’s House, LLC DLLC Liquor Land LLC DLLC Cairn Advisory, LLC DLLC Dynera Corporation FPC DLM CONSULTANTS, INC. DPC Well Well Reno DLLC PRUETT INVESTMENTS & HOLDINGS, LLC DLLC Peter Theurer DDS PLLC DLLC PRUETT DENTAL DISPENSER, LLC DLLC Weaver Law Firm, LLC DLLC M Squared Financial LLC FLLC RT ACCOUNTING, P.C. DPC Timber Wolf Builder LLC DLLC Linda L. Weise, LLC DLLC CKANG MANAGEMENT, LLC DLLC LEMARQUIS REAL ESTATE LLC DLLC EDW HOME INPSECTION LLC DLLC Chiles Consulting, LLC DLLC MILE HIGH HOME IMPROVEMENT SERVICES INC DPC Shoofly Horse Sitting LLC DLLC KMM Nutrition Consulting, LLC DLLC Laura Laughlin Realty DLLC Leadtree Investments, LLC DLLC Zuniga Remodeling DLLP Ninja Express LLC DLLC Ember Ridge Enterprise, LLC DLLC Alchemical Holdings Inc. DPC D5 Properties, LLC DLLC Angelic Lashes By KellyLeo DLLC Bell Paralegal Services, LLC DLLC

FILING 9/6/17 9/8/17 9/8/17 9/6/17 9/5/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17 9/6/17

AGENT Vanessa Amoruso Amanda Gentile Vance Brown Daniel Lopez

Robert Jaworski Evon Moore Doris Granville Gurpreet Chana Mark Ramina ADAM MCNALLY Allen Norris ROBERT KEYSER Peter Theurer ROBERT KEYSER Todd Weaver JOHN STINAR Mark Whittaker Linda Weise CHANTELLE CARNEVALE Kaley Chiles Vicki Perret Kirsten Matheson Laura Laughlin Rocio Vazquez Flores Jae Hyon Park Ashley Cutshall

Kelly Leonard Chantiel Bell

AGENT ADDRESS 6660 Delmonico Dr 743 N 19th 231 E. Vermijo Avenue 15870 Open Sky Way 1074 Wagon Wheel Avenue 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 1155 KELLY JOHNSON BLVD 6727 Seneca Road 1755 Telstar Drive 907 E. Colorado Ave 7675 Dublin Blvd 20 Sanford Road 2825 Doromus Court 685 CITADEL DRIVE EAST 1490 Garden of the Gods Road 102 N. CASCADE AVENUE 4973 Rainbow Gulch Trl 102 N. CASCADE AVENUE 2174 Austrian Way 121 S. Tejon Street #900 121 E. VERMIJO AVENUE 1931 Brookwood Dr. 2341 Condor Street 1155 KELLY JOHNSON BLVD 6435 LANGE DR 121 S. Tejon Street, Suite 900 6180 Lehman Drive 1155 KELLY JOHNSON BLVD 7314 Paleo Way 6950 Oak Valley Lane 1542 Sanderson Avenue 833 Old Dutch Mill Rd 4825 Astrozon Blvd Lot F305 7474 Corsicana Dr. 7662 Camille Court 104 S Cascade Ave 90 S. Cascade Ave. 6238 Elk Bench Trl 2910 N Powers Blvd, Suite 357

AGENT CITY Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs Colorado Springs

STATE ZIP CO 80919 CO 80904 CO 80903 CO 80908 CO 80915 CO 80903 CO 80903 CO 80903 CO 80903 CO 80903 CO 80903 CO 80903 CO 80903 CO 80920 CO 80915 CO 80920 CO 80903 CO 80923 CO 80906 CO 80920 CO 80909 CO 80907 CO 80903 CO 80924 CO 80903 CO 80919 CO 80903 CO 80903 CO 80819 CO 80909 CO 80920 CO 80918 CO 80903 CO 80918 CO 80920 CO 80908 CO 80919 CO 80915 CO 80907 CO 80916 CO 80923 CO 80908 CO 80903 CO 80903 CO 80925 CO 80922

Colorado incorporations (including additional contact information) are available in a sortable Excel format by subscribing to The Transcript. Contact Robyn Kirk – 719-634-5905 to subscribe.

Congratulations to the 2017 AFP Award Winners!

Joan Selman,

Executive Director, Pikes Peak Hospice Foundation Outstanding Fundraising Executive

Michelle Reich,

Awesome Sales Person

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Advertising Account Exec at the Indy Colorado Springs ‘17 0 miles

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★

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Annual Giving Coordinator, UCHealth Memorial Hospital Foundation Outstanding Emerging Fundraising Professional

Thank You Joan and Michelle, for demonstrating exceptional success in fundraising, ethics, and support for our community.

AFP Southern Colorado is an association of professionals who advance philanthropy by enabling people and organizations to practice ethical and eﬀective fundraising through the oﬀering of quality education and networking.

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Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

! Hospital S n R io t a O it il b S a N O P hSouth Reh S lt a e R H & U s O tic

O T my Athle e d S a c A K e c r N THA Pikes Peak Region, Air Fo e

YMCA of th

Photos by Audrey Jensen

CO LO R A D O S P R I N G S B U S I N E SS J O U R N A L

CONGRATS TO OUR WINNERS! YMCA (L), Frontline Floor Coating (XS), Navakai (S), Judy Kaltenbacher (Healthiest Exec), Penrose-St. Francis (XL) & Stockman Kast Ryan (M)

28 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

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Brand new rancher under construction. 2713 sq. ft. 4 bedroom, 3 bath rancher with slab granite counters throughout. Stainless steel appliances. Hardwood & upgraded carpeting. Gas log fireplace. Maple cabinets with crown molding. Open great room floor plan. Great family neighborhood with pool, tennis, playground, community center, & parks. 8 minutes to Powers Corridor or Falcon Town Center. HOAs are $119 per month & include trash. MLS# 5128313

Professionally remodeled 6 bedroom, 3 ½ bath traditional 2-story. Everything is brand new to include stainless steel appliances, granite counters throughout, doors, windows, hardware, lighting, electrical panel, furnace, hot water heater, central air, & hardwood, tile, & carpeted flooring. Fully landscaped 16400 sq. ft. lot at end of tucked away cul de sac in sought after Bridlewood. 4378 sq. ft. of great family living. Hard to find a remodeled home like this in a mature older neighborhood. MLS# 2544600

5255 Chimney Gulch Way – Cordera - $799,000

531 Lucky Lady Drive – Woodland Park - $995,000

Stunning custom 5000 sq. ft. 5bedrooms, 4 ½ bath stucco walkout rancher on 40 private acres. Total privacy between locked gates & dramatic sweeping 240 degree mountain, forest, golf course, & Pikes Peak views. Surrounded on 2 sides by national forest.4 fireplaces. Soaring ceilings. Huge wraparound deck. 3-car garage. Towering pines & giant rock formations. Cost to build in 2004 was $1,200,000. Come enjoy. MLS# 3087709

Customized 2-story – nothing like it! Stunning 4472 sq. ft. Saddletree stucco 5 bedroom, 5 bath 2-story. Walkout basement. 3 ½-car garage. A/C. 2 stone faced fireplaces. Slab granite counters throughout. Gourmet island kitchen. 20’ great room. Walls of windows. 2 decks & partially covered 38x35 stamped concrete patio. Surround sound inside & out. Plantation shutters throughout. Beautiful Pikes Peak view. Cul de sac. District 20 schools. MLS# 1172951

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Colorado Springs Business Journal

PUBLIC NOTICES COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700520 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 15, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Travis M. Romero Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for Land Home Financial Services Current Holder of Evidence of Debt: Land Home Financial Services, Inc. Date of Deed of Trust: November 13, 2014 County of Recording: El Paso Recording Date of Deed of Trust: November 17, 2014 Recording Information (Reception No. and/or Book/Page No.): 214105434 Original Principal Amount: $96,224.00 Outstanding Principal Balance: $93,736.25 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 20, HEARTHWOOD SUBDIVISION FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2704 HEARTHWOOD LANE, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38-

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103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/15/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Matthew Ryan Sullivan #39728 Messner Reeves LLP 1430 Wynkoop Street, Suite 300 Denver, CO 80202 (303) 623-1800 Attorney File # 7729.0104 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700522 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SAMUEL F. GORDON III Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for BROKER SOLUTIONS, INC.DBA NEW AMERICAN FUNDING, its successors and assigns Current Holder of Evidence of Debt: BROKER SOLUTIONS, INC. DBA NEW AMERICAN FUNDING Date of Deed of Trust: February 10, 2016 County of Recording: El Paso Recording Date of Deed of Trust: February 19, 2016 Recording Information (Reception No. and/or Book/Page No.): 216016679 Original Principal Amount: $320,230.00 Outstanding Principal Balance: $316,495.47 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 54, STARWATCH FILING NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5245 QUASAR COURT, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017

Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015848 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700523 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): HAMMARLUND A LOW Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for UNIVERSAL AMERICAN MORTGAGE COMPANY, LLC Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: October 29, 2002 County of Recording: El Paso Recording Date of Deed of Trust: November 06, 2002 Recording Information (Reception No. and/or Book/Page No.): 202194401 Original Principal Amount: $239,994.00 Outstanding Principal Balance: $213,227.14 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 44, STETSON HILLS SUBDIVISION FILING 31 IN THE CITY OF COLORADO SPRINGS COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 5164 LONE STAR PLACE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash,

the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006775100 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700524 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ROSS FONTECCHIO and CANDICE FONTECCHIO Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for EQUIFIRST CORPORATION Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A., AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST, SERIES 2007RFC1, ASSET-BACKED PASS-THROUGH CERTIFICATES Date of Deed of Trust: September 20, 2006 County of Recording: El Paso Recording Date of Deed of Trust: September 28, 2006 Recording Information (Reception No. and/or Book/Page No.): 206143133 Original Principal Amount: $188,000.00 Outstanding Principal Balance: $209,189.72 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 27, BLOCK 1, OLD FARM SUBDIVISION FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. *PURSUANT TO LOAN MODIFICATION AGREEMENT DATED FEBRUARY 22, 2013. Also known by street and number as: 4972 HORSESHOE BEND STREET, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE

DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/18/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 8/25/2017 Last Publication: 9/22/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006810626 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700541 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 23, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): PETER D GONNELLA Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for CITIMORTGAGE, INC. Current Holder of Evidence of Debt: PROF-2013-S3 LEGAL TITLE TRUST II, BY U.S. BANK NATIONAL ASSOCIATION, AS LEGAL TITLE TRUSTEE Date of Deed of Trust: January 31, 2007 County of Recording: El Paso Recording Date of Deed of Trust: February 05, 2007 Recording Information (Reception No. and/or Book/Page No.): 207016957 Original Principal Amount: $105,600.00 Outstanding Principal Balance: $91,675.37 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. PLEASE SEE ATTACHED LEGAL

30 Sept. 22 - Sept. 28, 2017

Colorado Springs Business Journal

PUBLIC NOTICES DESCRIPTION EPC201700541 LEGAL DESCRIPTION Condominium Unit 27, in Sand Creek Commons – a Condominium Community, according to the Declaration thereof filed for record in the Records of the Office of the Clerk and Recorder of El Paso County, State of Colorado, on April 12, 2000, In Reception No. 200040026, and as subsequently Amended, and as defined and described in the Condominium Map for Sand Creek Commons Condominiums Phase 5A recorded on April 17, 2001 in Reception No. 201047896, in said records, County of El Paso, State of Colorado. Also known by street and number as: 455 KITFIELD VIEW #27, CO SPGS, CO 809221659. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/25/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/1/2017 Last Publication: 9/29/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/23/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006567564 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700555 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 30, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SHAINE M MONTGOMERY Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for STEARNS LENDING, LLC, its successors and assigns Current Holder of Evidence of Debt: STEARNS LENDING, LLC Date of Deed of Trust: December 24, 2014 County of Recording: El Paso Recording Date of Deed of Trust: December 26, 2014 Recording Information (Reception No. and/or Book/Page No.): 214119017 Original Principal Amount: $199,224.00 Outstanding Principal Balance: $139,880.02 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed

of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1, IN BLOCK 8, IN SUNDOWN SUBDIVISION FILING NO. 15, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5803 GRANBY HILL DR, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/8/2017 Last Publication: 10/6/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/30/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015829 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700569 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 7, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JASON EASTMAN Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for GB HOME EQUITY, LLC Current Holder of Evidence of Debt: NPL CAPITAL, LLC Date of Deed of Trust: April 03, 2007 County of Recording: El Paso Recording Date of Deed of Trust: April 17, 2007 Recording Information (Reception No. and/or Book/Page No.): 207052034 Original Principal Amount: $40,000.00 Outstanding Principal Balance: $36,632.70 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LYING AND BEING LOCATED IN THE CITY OF COLORADO SPRINGS, COUNTY

OF EL PASO, STATE OF COLORADO; ALL THAT CERTAIN PARCEL OR TRACT OF LAND KNOWN AS: LOT 6 BLOCK 3, COLORADO COUNTRY FILING NO. 10, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5440 SACRAMENTO PLACE, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/15/2017 Last Publication: 10/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/07/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: William R. Arant III #36864 Arant Law, LLC 11020 S. Pikes Peak Drive, Ste 220 Parker, CO 80138 (720) 541-7903 Attorney File # 5988 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700570 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 10, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ROBERTO M GOMEZ and DANELLE L GOMEZ Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for lender, USAA FEDERAL SAVINGS BANK Current Holder of Evidence of Debt: USAA FEDERAL SAVINGS BANK Date of Deed of Trust: August 10, 2015 County of Recording: El Paso Recording Date of Deed of Trust: August 11, 2015 Recording Information (Reception No. and/or Book/Page No.): 215086560 Original Principal Amount: $400,000.00 Outstanding Principal Balance: $389,498.09 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for

in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 101, INDIGO RANCH AT STETSON RIDGE FILING NO. 4, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6360 SHOOTING IRON WAY, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/15/2017 Last Publication: 10/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/10/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-945-30073 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700575 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 13, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): BRIAN R. KING and KRYSTAL D. KING Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FIRST MORTGAGE COMPANY LLC, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: NATIONSTAR MORTGAGE LLC Date of Deed of Trust: December 31, 2009 County of Recording: El Paso Recording Date of Deed of Trust: January 20, 2010 Recording Information (Reception No. and/or Book/Page No.): 210005093 Original Principal Amount: $234,945.00 Outstanding Principal Balance: $205,687.09 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 13, NORTHCREST FILING NO. 2, PHASE 3, COUNTY OF EL PASO, STATE OF COLORADO.

Also known by street and number as: 3050 FRAZIER LANE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/13/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016025 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700592 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 17, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): RACHEL VANG Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as the nominee for lender, LEHMAN BROTHERS BANK, FSB, A FEDERAL SAVINGS BANK Current Holder of Evidence of Debt: FEDERAL NATIONAL MORTGAGE ASSOCIATION (“FANNIE MAE”), A CORPORATION ORGANIZED AND EXISTING UNDER THE LAWS OF THE UNITED STATES OF AMERICA Date of Deed of Trust: December 05, 2006 County of Recording: El Paso Recording Date of Deed of Trust: December 13, 2006 Recording Information (Reception No. and/or Book/Page No.): 206180326 Re-Recording Information (Reception No. and/or Book/Page No.): 207002003 Re-Recording Date of Deed of Trust: January 04, 2007 Original Principal Amount: $79,200.00 Outstanding Principal Balance: $78,662.66 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. ATTACHED HERETO AS EXHIBIT ‘A’ AND INCORPORATED HEREIN AS

THOUGH FULLY SET FORTH. EPC201700592 EXHIBIT A Condominium Unit L, Building 3440, Sierra Pointe Condominiums (formerly known as Snapfinger Woods Condominiums), according to the Amended Condominium Map for Snapfinger Woods Condominiums, recorded on June 22, 1981 in Book 2 at Page 58, Reception No. 781667 in the Records of the Clerk and Recorder at the County of El Paso, Colorado, and as defined and described in the Amended and Restated Condominium Declaration for Sierra Point Condominiums (formerly known as Snapfinger Woods Condominiums) recorded on May 22, 1986 in Book 5173 at page 1468, Reception No. 01399203 in said records, County of El Paso, State of Colorado Also known by street and number as: 3440 PARKMOOR VILLAGE DR L, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/17/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Toni M. Owan #30580 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-914-30076 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700594 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 18, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): DIXON G TRICH and KATHLEEN A WILSON Original Beneficiary(ies): COLDWELL BANKER MORTGAGE Current Holder of Evidence of Debt: PHH MORTGAGE CORPORATION Date of Deed of Trust: January 13, 2004 County of Recording: El Paso Recording Date of Deed of Trust: February 02, 2004 Recording Information (Reception No. and/or Book/Page No.): 204017459 Original Principal Amount: $242,249.55 Outstanding Principal Balance: $183,880.74 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows:

Colorado Springs Business Journal

Sept. 22 - Sept. 28, 2017

PUBLIC NOTICES failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4, HIGH MEADOWS AT SPRINGS RANCH FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 4348 ROUND HILL DRIVE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/18/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016074 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700595 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 18, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Mahala Sue Springhower Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Universal Lending Corporation Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: April 12, 2011 County of Recording: El Paso Recording Date of Deed of Trust: April 12, 2011 Recording Information (Reception No. and/or Book/Page No.): 211036738 Original Principal Amount: $194,930.00 Outstanding Principal Balance: $163,265.50 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 46, STETSON HILLS SUBDIVISION FILING NO. 34, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL

PASO, STATE OF COLORADO Also known by street and number as: 5247 Ferrari Drive, Colorado Springs, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/18/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-775756-LL The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700597 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 19, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): David Bowen Original Beneficiary(ies): Firstier Financial Group, Inc. Current Holder of Evidence of Debt: Desert Springs Investments, LLC Date of Deed of Trust: August 01, 2006 County of Recording: El Paso Recording Date of Deed of Trust: August 04, 2006 Recording Information (Reception No. and/or Book/Page No.): 206115202 Original Principal Amount: $100,000.00 Outstanding Principal Balance: $100,000.00 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. Lot 3 in North Circle Plaza Subdivision, in the City of Colorado Springs, County of El Paso, State of Colorado. Also known by street and number as: 1867 North Circle Drive, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE

DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Lyndsay S. Ressler #37015 Ressler Law 30 East Kiowa St., Suite 101 Colorado Springs, CO 80903 (719) 578-0200 Attorney File # Bowen The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700598 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 19, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): STANLEY L MARTINEZ Original Beneficiary(ies): WELLS FARGO BANK, N.A. Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: April 01, 2011 County of Recording: El Paso Recording Date of Deed of Trust: April 06, 2011 Recording Information (Reception No. and/or Book/Page No.): 211034356 Original Principal Amount: $132,750.00 Outstanding Principal Balance: $122,798.41 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9, BLOCK 1, CIMARRON HILLS FIRST FILING, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6757 DALE ROAD, COLORADO SPRINGS, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY

ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016129 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

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