Colorado Springs Business Journal Oct. 13, 2017 by Colorado Springs Business Journal

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PART II

VOLUME 28, NUMBER 28 | Oct. 13 - Oct. 19, 2017 | 2.00 $

Police, firefighter pay among budget priorities By Bob Stephens

ay raises, replacing the city fleet and parks maintenance were the big winners when Colorado Springs Mayor John Suthers presented his 2018 balanced budget to City Council Oct. 3. The $288.9 million budget is $16.3 million — or 6 percent — higher than the 2017 version. The 640-page proposal likely will be tweaked by city officials in the coming months. “Most of it looked like what we needed to do based on other constraints,” said City Council President Richard Skorman. That “other constraints” is specifically about $20 million in stormwater payments the city is required to spend for infrastructure improvements over the next 20 years. That constraint could be eliminated if ballot measure 2A passes during the Nov. 7 election. The 2A measure asks Colorado Springs voters to approve a stormwater fee that would cost homeowners $5 per month and nonresidential property owners $30 a month for each acre they own.

“We’re stuck with the $20 million a year legally,” Suthers said. “We can’t get out of that. So all these other things are going to suffer and I think we’ll expand at a much, much slower and inadequate pace. If it doesn’t pass, I can see us … maybe cutting the parks [budget] and hiring five cops or something like that, but you won’t get the expansion that you need with spending $20 million [out of the general fund] on stormwater.” Suthers’ budget proposal assumes 2A does not pass. But if it does, he will present a new budget to the nine-member council asking for an additional 20 police officers and 10 firefighter personnel, while also adding money to capital projects and the reserve fund, the city’s savings account for a rainy day, as he described it. Suthers said if 2A doesn’t pass, he might still offer a new budget to add five police officers. The proposed budget targets an increase of $5.5 million for pay raises for police and fire personnel, along with other city employees. It asks for an increase of $1.2 million for city fleet replacement — that includes large snowplows and other maintenance vehicles, as well as police cruisers — and $900,000 extra for

parks, mostly for maintenance. Police salaries are well below the market average, Suthers said, which leads to attrition. “Attrition is a real problem,” Skorman said. “They get good training here and that makes them attractive to other departments who pay more.” Suthers said the increase would get police only about halfway to market value. “For police and fire, we pay very close attention to what we call the market, which is a series of communities in Colorado which we think are our competition for police and firefighters: Denver, Aurora, Greeley, Fort Collins, Lakewood and Westminster,” Suthers said. “We determine from those what the market is. We apply a cost of living factor to that, so for example, our market would be 7 percent below the Denver Metro area because of a lower cost of living. But even there we’ve gotten to the point where we’re significantly below market. We’d like to get them the rest of the way next year; I’m not sure we can do that if 2A doesn’t pass.” See Budget page 32

Photo by Audrey Jensen

Tiny homes: Big decision 6

STATE OF

Peterson AFB’s Col. Todd Moore delivered the State of 21st Space Wing’s Address.

YP: Tomayo (left).............................8 Connect for Health’s birthday........9 Women in art.................................10 Small business: Safron.................11 By the Numbers.............................12 The List...........................................16 Other Voices: Zendejas................ 33

EDITORIAL: DEAR CONGRESS, FIX HEALTH CARE

56525 10751

THE WING

INSIDE

Realtors say tiny homes may not be a wise long-term investment, but advocates say if El Paso County regulations allowed, businesses could take advantage of using tiny homes and they could provide more affordable housing options.

2 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

CSBJ.com Poll Downtown development, record-breaking tourism, an airport that’s back in business and a bike-share program — is Colorado Springs undergoing a renaissance?

It’s not a renaissance. There is

56%

Yes, the possibilities in Colorado Springs

37%

progress but the city is just playing catch-up.

have never been greater. It will be a new city in 5-10 years.

Maybe, but we could develop too quickly and suffer consequences. This should take 20 years. It’s too much, too fast.

4% 3%

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

Has Connect for Health Colorado been a positive for health care in the state? 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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John Weiss

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CSBJ OPINION

Health care industry needs stability The issue: Uncertainty in health care policy creates unstable markets, higher health care costs and fewer benefits. What we think: Congress should act cooperatively to compromise on health care policy to stabilize markets and create more certainty for providers. Tell us what you think: Send us an email at editorial@csbj.com.

s the state’s insurance marketplace marks its fifth anniversary, the health care landscape in the nation looks less certain than ever before. And that uncertainty is bad for businesses, bad for the health care industry and bad for Colorado residents. Congress must act to solve health care issues and find a solution that doesn’t erase progress made in the past five years. Connect for Health Colorado doesn’t rely on the Affordable Care Act to operate. The state legislature set it up separate from Obamacare so it could operate more independently. Still, people who benefit from the ACA must use the marketplace when they sign up for individual or small business insurance plans in order to receive federal subsidies. Despite a 26.7 percent increase in premiums in the individual market this year, officials at Connect for Health say it’s been successful — it operates with a surplus, about 600,000 more people have health insurance now than in 2013 and people on the exchange say they are healthier than those on private insurance. Of the 435,000 people who get their insurance in the individual market, 43 percent of them go through the exchange. All told, 5 million people in Colorado now have insurance. Despite the success, there are some dark clouds looming. When Congress failed to continue funding the Child Health Insurance Program on Sept. 30, it

left Colorado families in danger of not being able to provide health insurance for pregnant women and children. The plan covered 75,000 children in the state and 800 pregnant women. Colorado’s Health Care Policy and Financing Office says the state can cover the program through Jan. 31, 2018. But after that — absent action from Congress — those kids and families will no longer have any health insurance. This matters — the rest of us will pick up the costs. Hospitals and doctors will pass the uncompensated care costs to businesses with insurance plans, to small business owners, to micro-business owners who must buy their own insurance in the individual markets. Rates will go up. And once they go up too high, hospitals could start to struggle under the heavy debt burden. Combine the loss of CHIP with President Donald Trump’s latest signal that he will use administrative measures to undermine the Affordable Care Act because Congress could not come up with a replacement for it and it adds up to an uncertain, unstable market. That isn’t good for health insurance companies trying to plan their next fiscal year, for health care providers trying to meet their moral obligations to care for patients and for the patients themselves, left paying more with less certainty about their coverage. It’s time for Congress to work across the aisle, for the president to leave social media long enough to form a consensus and for health care providers to weigh in on solutions that will keep people healthy and stabilize the insurance marketplace. There is a middle ground between the two sides: We don’t have to embrace Medicare for All nor do we have to settle for a health care system where only the wealthy get coverage — and therefore get the best treatment. Both the financial and physical health of the nation are at stake. It’s time to stop pointing fingers and fix what needs to be fixed with the Affordable Care Act, while also providing stability for the insurers, the providers and the patients. CSBJ n

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

OPINION: HAZLEHURST

Transit Mix upgrades quarry application

uided by a well-executed political strategy, Transit Mix has filed a new application with the State Mined Land Reclamation Board to open a rock aggregate quarry on the historic Hitch Rack Ranch, located south of Colorado Springs on Highway 115. Last year the MLRB unexpectedly denied the company’s original apHAZLEHURST plication after neighboring homeowners, joined by the Nature Conservancy, vigorously opposed the proposed land use. They contended that the quarry would disrupt a peaceful, bucolic neighborhood, threaten residential wells and have severe environmental/wildlife consequences. As I wrote last year, “The 1,400-acre ranch is part of a larger regional ecosystem, including the adjacent 1,600-acre Nature Conservancy-managed Aiken Canyon Preserve, the Beaver Creek Wilderness study area and the Ingersoll Ranch. Adding the Hitch Rack Ranch would further integrate and preserve this last remnant of a pristine Front Range landscape.” That’s an aspiration that former ranch owner Rosemary Allmendinger might have supported, but the property now belongs to her heirs. After Allmendinger died in 2009, the 1,200-acre ranch was offered for sale at an asking price of $6.4 million, but found no takers — hence the Transit Mix deal. It’s not clear whether Transit Mix would acquire the ranch outright through a buy option, or whether it would pay the heirs royalties. Interestingly, the subsurface rights on the portion of the property slated for mineral extraction belong to the Colorado State

John

Land Board, which would receive a 50 cents-per-ton royalty on mined aggregate. Over the projected life of the mine, the state should receive about $20 million in payments, which by law would be used for the benefit of public schools. Although this quarry development proposal differs somewhat from its previous iteration, it may be more difficult for neighbors to defeat. That’s because Transit Mix, now advised by canny Republican political operative Daniel Cole, has offered an attractive menu of quid pro quos to the Colorado Springs community. If the quarry proposal is approved by both the MLRB and the El Paso County Commission, the company has pledged to close the highly visible mountainside Black Canyon and Pikeview quarries, as well as the Costilla and North Nevada batch plants. As a company press release noted, “the benefits of these actions are major and multiple.” Six of nine city councilors have expressed support for the deal, including Council President Pro Tem Jill Gaebler. “These community benefits are truly exciting,” said Gaebler. “Transit Mix batch plants are no longer a good fit for our downtown or North Nevada, which are among our most dense and growing neighborhoods. This plan will create new possibilities for these areas and the Pikeview area, where our view corridor and recreational opportunities will be significantly enhanced.” Pledges are fine, but will Transit Mix follow through? Sure, because it makes business sense. The Hitch Rack quarry would replace both the century-old Pikeview

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quarry and the Black Canyon facility, which has been effectively shut down since 2015. The North Nevada batch plant is probably worth more as vacant ground, while the Costilla facility would be replaced by expanding an existing plant on South Academy Boulevard. Council, of course, has no say in the deal — but it’s often viewed as a substantially more progressive, more environmentally sensitive body than the county commission, which will have the final say. So it’s up to the MLRB, which voted 3-2 against its staff recommendation (with one member absent) to reject the previous proposal. Will community support cut any ice with them? Cole evidently believes so. “We’ll be announcing additional supporters as we go on,” he said. The MLRB is expected to consider the application in February or April 2018, giving opponents plenty of time to raise money, lawyer up, organize and fight for their long-established neighborhood — and, by extension, for a complex and beautiful remnant Front Range ecosystem that has somehow survived a century and a half of mining, industrialization, road-building and suburbanization. Can they win the battle? Once again, they’ll have to persuade a majority of the MLRB that the plan’s defects outweigh its virtues, based on legal criteria. But they’ll be motivated, even though Councilor Merv Bennett said there are only 13 residences within a mile of Hitch Rack Ranch. Merv, tell that to the 300+ people that will show up at the MLRB meeting next year. CSBJ

The Hitch Rack quarry will replace both the Pikeview quarry and the Black Canyon facility.

4 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Crypto cash opens new world of risks, rewards By Helen Robinson

ryptocurrencies promise to disrupt and transform the financial system — a promise that grows as central banks around the world experiment with the idea of issuing their own cryptocurrencies. The Bank of England, the Bank of Canada, Sveriges Riksbank, Deutsche Bundesbank, the European Central Bank, Bank of Japan and the People’s Bank of China are actively exploring the concept of issuing central bank cryptocurrencies, or CBCCs.

So far, the experts agree on one thing: There are more questions than answers. Even the most recent quarterly report from the Bank for International Settlements — which told central banks that they’ll have to decide individually whether to issue CBCCs — emphasized that “... making sense of all this is difficult. There is confusion over what these new currencies are, and discussions often occur without a common understanding of what is actually being proposed.” Gallup research shows the majority (53 percent) of Americans make “only

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Bank’s ability to create money.” some or none” of their purchases using cash, signaling a further shift toward But consumers who are motivated mobile payment apps and electronto use cryptocurrencies because they ic payment methods. So what makes mistrust the government might be less CBCCs different? enthusiastic, said William Craighead, The Bank for International assistant professor in Colorado College’s Settlements defines a cryptocurrency Department of Economics and Business. as “an electronic form of central bank “[Cryptocurrency] appeals to that money that can be exchanged in a desuspicion of the government and the centralized manner known as peer-toFederal Reserve, to have a way of doing peer, meaning that transactions occur transactions that is outside of using curdirectly between the payer and the payrency that is controlled by the central bank ...,” Craighead ee without the need for a central intersaid. “Some of the mediary” — making people who are anit unlike all existing ti-government or who want to avoid forms of electronic the government central bank money, which rely on an would not find [govintermediary. er n ment- backe d At the heart of cryptocurrency] apthe BIS report are pealing; that might — William Craighead two main needs to defeat the purpose use cryptocurrency: for them.” The blockchain technology that unanonymity for customers and increased efficiency for financial institutions. The derpins CBCCs would allow central BIS also identifies two main possible banks to provide a digital cash substitypes of CBCC: retail (available to the tute as anonymous as cash — but would public as a sort of decentralized digital they allow that anonymity? cash) and wholesale (available only to “The central bank would need to definancial institutions, to streamline setcide whether or not to require customer tlements of transactions between them). information (the true identity behind Retail CBCCs do not yet exist anythe public address),” the BIS report notwhere. Farida Khan, chair and associate ed. “While it may look odd for a central professor of economics at UCCS, said bank to issue a cryptocurrency that prothey “are likely to be successful because vides anonymity, this is precisely what it people have confidence in the Central does with physical currency, i.e. cash.”

“Even if they said they were maintaining the anonymity, would you trust it?”

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re we looking at a cashless future? The consensus, for now, is no — there are just too many reasons to keep cash. Colorado’s legal marijuana industry alone offers about 1 billion reasons each year. Because marijuana is illegal under federal law, most retailers cannot use federally insured banks or access their electronic payment systems, so they fall back on cash. There are many other transactions, legal nationwide, that people prefer to keep anonymous — liquor stores do a lot of cash business, for example. People also turn to cash for small transactions, during natural disasters and even as a budget-enforcer during financial downturns. And according to the FDIC, one quarter of American households are unbanked or underbanked, relying heavily on cash. One of the BIS report’s co-authors, University of California, Santa Barbara economics professor Rod Garratt, signaled larger risks involved in abandoning cash completely. Garratt said a cryptocurrency available to all consumers “opens up a whole host of issues” and would challenge makers of monetary policy. “First, there’s the question of who, exactly, should verify the transactions and maintain the distributed ledger,” Garratt said. “Even if that’s solved, the new system would be, in a sense, too streamlined, making it easier for bank runs to occur in a moment of crisis or panic.” CSBJ

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Oct. 13 - Oct. 19, 2017

C H E C K I N G

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Craighead questioned whether the government would want to maintain anonymity — “and even if they said they were maintaining the anonymity, would you trust it?” “If law enforcement gets a court order to look at somebody’s cryptocurrency wallet, would that be different if it was a government-backed currency? It probably would be,” he said. Eric Weissmann, founder of Modern Tender, the operating company that manages one of the 17 Bitcoin teller machines in Colorado, told Denver’s TalkRadio 630KHOW that privacy in cryptocurrencies is an evolving issue. “I personally believe ... part of our fundamental freedom is to be able to spend a buck or a Bit with nobody knowing what you spent it on,” Weissmann said. “The federal government doesn’t like privacy in money; some governments around the world are actually trying to get rid of cash because it can’t be traced, and they want to have their fingers on it.” In addition to determining privacy, central banks issuing CBCCs would have the ability to adjust their cryptocurrency’s interest rate — an important part of how central banks manage existing currency. CBCCs would also avoid the wild fluctuations characteristic of decentralized cryptocurrencies like Bitcoin. The value of one Bitcoin reached an all-time high of $5,013 on Sept. 1 and has dropped 20 percent since then. It’s been prone to crashing, including a precipitous drop from $266 per coin to $50 per coin in early 2013. WorldCoinIndex, which shows the lastest crypto coin trade prices and market cap, shows Bitcoin up a massive 669.97 percent over the past 365 days. “[Bitcoin] is an interesting example for economists to talk about because it gets us back to thinking about the fundamentals of ‘What is money? What characteristics does it have?’” Craighead said. “A good money is supposed to have the characteristic that it’s a store of value, and a unit of account, and that those depend on its value being predictable over time. ... “I feel pretty comfortable predicting that inflation in the United States will

be between 1 and 3 percent for the next 10, 20, 30 years, so I have an idea of what the dollars in my bank account are going to buy, whereas if I were holding Bitcoin, it’s been too volatile. “Part of the argument for [decentralized cryptocurrency] is if you don’t trust the government to manage the value of the currency, to have it be managed by this algorithm has some appeal. But the truth is that you need for the money supply to be managed in order to keep the value stable.” In May, academics Michael Bordo and Andrew Levin told the Hoover Institution Policy Conference on The Structural Foundations of Monetary Policy that CBCCs could “transform all aspects of the monetary system and facilitate the systematic and transparent conduct of monetary policy.” In particular, they said, “we find a compelling rationale for establishing a [CBCC] that serves as a stable unit of account, a practically costless medium of exchange, and a secure store of value. …[The CBCC] should be interest-bearing, and the central bank should adjust that interest rate to foster true price stability.” With CBCCs, Khan said, “there is a new form of money still backed by the central bank [like cash]. This would reduce the role of other banks in providing liquidity and everyone could use cryptocurrencies the way that they use cash.” Khan said CBCCs would also reduce the use of checking deposits and the role of the commercial banking system, centralizing the banking system even further. According to the Massachusetts Institute of Technology’s Technology Review, increasing the central bank’s control over money in circulation and digital transactions is a plus: Traceable digital transactions would help reduce corruption, and policymakers would gain real-time economic insights. A national digital currency would also lower the cost of financial transactions, boost the reach of financial services and increase transparency. CSBJ (Editor’s note: This is the second in a two-part series exploring banks and cryptocurrency.) n

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Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

ONE-ON-ONE

Erickson supports community, environment I By Audrey Jensen

f you visit Stasia Erickson’s 5-acre homestead in Black Forest, you’ll find alpacas, chickens and a honeybee farm, one sign of her love of nature. Erickson moved to Colorado 20 years ago from Maine, and said she wants to do her part in supporting the environment. For the past year, Erickson shared her passion with the public as the business development director for Care and Share Food Bank for Southern Colorado’s recycling program, GoalZero Recycling, a former social enterprise that supports the nonprofit organization. When it opened in September 2016, GoalZero, located at the La-Z-Boy Furniture warehouse on 2265 Waynoka Road, sent trucks to pick up recyclables from subscribed businesses. On Sept. 25, GoalZero stopped its pick-up service, except to a select few businesses, and opened its warehouse drop-off location to the public for free. The site takes recyclable materials such as cardboard, plastics and wood pallets from 8 a.m.-4 p.m. Monday through Saturday. GoalZero, which has collected 400,000 pounds of cardboard since opening, sells its materials to buyers and returns all of its revenue to Care and Share. Erickson said that 100 percent of the materials GoalZero collects are recycled. As business development director, Erickson handled the business operations of GoalZero and maintained relationships with buyers. Erickson now works as the agency relations director for Care and Share, but will continue to volunteer at GoalZero while Care and Share Chief Operating Officer Stacy Poore takes over the program. Erickson spoke with the Business Journal about GoalZero’s switch from a social enterprise to a nonprofit. How did you get involved with GoalZero Recycling and Care and Share? I was drawn to GoalZero because of its mission of collecting recyclables and diverting them from landfills, and more importantly [because of] the connection with Care and Share Food Bank, where [GoalZero is] making an impact on the local community. I’ve always had a passion for the outdoors and for the environment — I spend a lot of time outside. A lot of my experience is in business and management and … my customer service background also played into this. I felt that I could incorporate all of those skills and help this new enterprise ... launch.

Why did GoalZero switch to a nonprofit model? We found that we were generating a lot of material here at our public drop off — more so than we were when we were collecting it from the customers we had — so we made a business decision to focus on free recycling through customer drop off. It was [also] a better business move for our overall expenses. Collection with customers [was more expensive] because of the containers [we use] and with the truck going to pick up the material and bring it back. ... We’re able to have a profitable margin focusing here on the collection of materials. What challenges have you faced in the last year? Customers are focused on single-stream recycling where they think everything is recyclable, and it really is not. So it comes down to the education part to the public, and that has been a little bit of a challenge. But we have determined the best thing to do is be very clear on what we are able to collect and then to educate them on where it’s going and the product it ends up being manufactured into.

STASIA ERICKSON Don’t be afraid of taking a risk.”

What is the status of recycling in Colorado Springs? [GoalZero has buyers] for all materials we collect. We are having some challenges with plastics — we do collect plastics No. 1 and 2 because there is a market for it. We are able to sell that material. However, plastics 3 through 7 are usually exported. ... There’s just no market for those materials domestically. … But we want to make it easy for the community and help Colorado Springs increase its diversion and recycling rate. What advice would you give to other professionals and social enterprises? As a new operation, there’s trial and error, but you learn from those experiences and you become more efficient — you’re able to improve your processes. Don’t be afraid of taking a risk and trying different things. ... As long as you’ve done your research and it’s a measurable risk, you have a good chance to be successful. We tried the subscription [model and] found there’s a big opportunity with the public, with free recycling, that we just pivoted a little bit. We shifted our focus and we’re finding that to be more successful. That’s key, to know what is working and what isn’t. CSBJ n

Photo by Audrey Jensen

8 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

YOUNG PROFESSIONAL

Tamayo builds business in Springs P By Audrey Jensen

atience is a virtue is a philosophy that Mackenzie Tamayo has lived by since 2003, when she started her career in customer service and hospitality at Serranos Coffee Co. While at times she feared being stuck in one role forever, she knew that meant she needed to work harder. “There were seasons where I didn’t feel like I was ever going to grow,” Tamayo said. “But what I recognized is that … when you serve others and you do it quietly, you do it kindly and persistently — you will always be seen.” Tamayo, who is now the director of sales at The Pinery at the Hill and Till Kitchen, was recently awarded the Colorado Springs Convention & Visitors Bureau Community Hero Award for her work creating Unveiled, a wedding show she developed with Sarah Evans Weddings. The Pinery, a 22,000-square-foot venue at 775 W. Bijou St., opened in Colorado Springs in 2013, and Tamayo started working there as a server. The 29-year-old climbed her way to bartender, banquet captain, assistant sales coordinator and eventually became the director of sales. In that role, Tamayo is responsible for building relationships and bringing business to The Pinery. She spoke with the Business Journal about working as a young professional in Colorado Springs.

What do you like about working in Colorado Springs? I feel something in the air [in] Colorado Springs. The urban redevelopment here is incredible. The Pinery was a broken down, sad building that was an eyesore [but] we transformed it into an economic mecca. The growth has been exponential. There are great new restaurants in Old Colorado City [and] downtown is renovating so much of what they’re doing. I feel like I’m a spoke on a wheel that’s essentially helping this thing move. … Colorado Springs is ready for growth. What have you accomplished as director of sales? Putting on the Unveiled [wedding] show

that will come in January — we do it once a year. [I’m also on] the board of the Converge lecture series which [brings speakers to The Pinery] four times a year. I think another huge accomplishment is that I have been with the company for four years and I started as a server. I believed in the company and in the cause. … I [also] think winning the Community Hero Award was a big deal, so being recognized was a huge accomplishment for me. It says more about the team at large here. What should Colorado Springs do to retain young professionals? The narrative was, five years ago, that nobody wants to come to Colorado Springs — it’s lame; there’s nothing to do here; there’s no innovation. [But] what we’ve seen with PlanCOS, what we’ve seen the mayor show up and do, what I’m seeing here just from events, is that people want things to do. [And] changemakers are coming alive now. … I truly believe that in order for people to get excited about the future and get excited about [Colorado Springs] growing, there needs to be things here for them to do. What should people know about The Pinery? What I love so much about The Pinery is that we took a risk. ... I remember I walked around here with a hard hat on and dreamed, and I love seeing this place thrive. I love watching people leave with smiles, I love that ... people want to get excited about events again. They want to get excited about fundraisers again. ... I’m always viewing it from a client’s perspective, that they’re going to leave knowing they’ve been cared for, they’ve been fed and that we see them and we’re grateful for their business. What advice would you give to other young professionals? [What] I hear from unsuccessful young professionals is, ‘They just didn’t see my value so I left.’ I can’t encourage [young professionals] enough to grow where you’re at and be the best you can be exactly where you’re at. When it’s time, you will be recognized and you will be ready to be planted in a new place. So be patient and be kind and be present because without those three things you’ll never be successful at any job you have, ever. CSBJ n

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Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

Connect for Health to start fifth year the marketplace is growing more affordable. He said the average net reduction in premiums paid by indin just a few weeks, Connect for Health Colorado viduals in 2017 was 11 percent. will commence its fifth year with the launch of “An analysis commissioned by the state Division of open enrollment, which will begin Nov. 1 and Insurance found that our current customers will see end Jan. 12, 2018. an average decrease in net premiums of 18 percent in The bill establishing the state’s health insurance 2018 because of the increase in the Advanced Premium marketplace was signed by Gov. John Hickenlooper in Tax Credit they are eligible to receive,” Clarke said, summer 2011, following the passage of the Affordable explaining that as the cost of premiums increase, so Care Act the year before. do the tax credits. The marketplace — like the health care industry as About 60 percent of those insured through the mara whole — carries both victories and setbacks with ketplace receive some sort of subsidy, he said, adding substantial challenges ahead. And while the small that number will likely climb in 2018. group marketplace has always been more stable, the “When rates go up, more people qualify,” he said. individual marketplace still experiThe average subsidy in the state ences its fair share of turbulence. amounts to $369 a month, but can climb to more than $700 in some ruMISSION ACCOMPLISHED? ral counties along the Western Slope The mission of Connect for Health because the cost of care can be so much Colorado, according to its website, “is higher. to increase access, affordability and There are thousands of Coloradans choice for individuals and small embuying their own insurance at full — Luke Clarke ployers purchasing health insurance cost who would otherwise qualify for in Colorado.” subsidies, Clarke said. Luke Clarke, director of commu“One reason we discovered is people nications for Connect for Health Colorado, said the assume they’re not eligible,” he said. “You can make marketplace has been largely successful, especially $48,000 a year as an individual and qualify for a tax when it comes to increased access and affordability. credit. And that number is $98,000 for a family of “It’s healthier than a lot of people want to say it is,” four. That’s a middle-class income in most, if not all, Clarke said. “We’re really happy Colorado has seven of Colorado.” carriers in the individual market and all are returning next year. Some have had to adjust their service area COSTS MUST BE ADDRESSED — some are going bigger, some smaller. But we don’t Vincent Plymell, communications director with the have any barren counties in Colorado. There will be Colorado Division of Insurance, said the marketplace at least one carrier in every county with the choice of has been successful in reducing the number of unvarious plans those companies offer.” insured. That population dropped from 14 percent Despite the Division of Insurance approving nearly in 2013 to 6.7 percent in 2015 and is now holding 27 percent premium increases in Colorado next year, By Bryan Grossman

“It’s healthier than a lot of people want to say it is.”

steady at about 6.5 percent. The state also recently, and for the first time, passed the 5 million mark for insured Coloradans. Plymell added that health care-related bankruptcies nationally have been cut by more than half, thanks to the ACA. “That means, hopefully, fewer people are going to go broke paying their health care costs,” he said. “And with more people covered there’s less uncompensated care — especially at hospitals — so they’re not passing that cost onto everybody else.” Plymell said the growing cost of health care is what’s driving up premiums, and those escalating costs are a “thorn in the side” of Colorado Insurance Commissioner Marguerite Salazar. “We need to shift the conversation to health care costs,” Plymell said. “The Affordable Care Act was about providing more coverage to those who are underserved or shut out of market because of affordability issues or pre-existing conditions. But it didn’t do anything to address health care costs — what doctors and hospitals are charging.” Holly Kortum is executive director for Kaiser Permanente’s southern Colorado service area. The nonprofit health plan has been part of Colorado’s exchange since its inception. She said the marketplace has evolved. “There have been a few carriers leaving the market, but generally things have smoothed out,” she said, adding carriers now have access to several years worth of data and true cost analysis. Increasing choice has not been one of the marketplace’s strong suits, Kortum said, and Kaiser Permanente would like to see more carriers offering services through the exchange. “We believe [the market is] more stable if there are See Connect page 34

Meet the newest member of our Community Advisory Board of Directors Dr. Betsy Kleiner, MD with Infectious Disease Specialists, has joined U.S. Bank’s community advisory board in Colorado Springs. Tom Naughton, U.S. Bank Region President, for the Southern Colorado Region, made the announcement. Kleiner earned her medical and master’s degree in Public Health from the Medical College of Virginia in Richmond. Kleiner is active in the medical community serving as co-chair of Memorial Hospital’s Pharmacy and Therapeutics committee. She also serves as cochair of the Antibiotic Stewardship committees at both Penrose and Memorial Hospitals and is a member of the Clostridium difficile task force at Penrose Hospital. Kleiner lives in Colorado Springs with her husband and two young children. “I am thrilled to have been invited to serve as an advisory director for U.S. Bank,” said Kleiner. “It is exciting to be a part of an organization that values the input of its shareholders and customers in order to improve the lives of individuals and the quality of life in our community.” U.S. Bank is proud to have Dr. Kleiner join the board and looks forward to her leadership on our Community Advisory Board of Directors.

Member FDIC. 171343C 9/17

10 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Arts Month Feature

Help us kick off the Give! Campaign at the official Give! Black Lager release party. Thursday, Nov. 2 • 5-7pm • The Bristol Pub

We’re making philanthropy tasty again. Want to support the Give! Campaign? Enjoy Bristol’s Give! Black Lager.

Here’s how it works: Come on down to the Bristol Pub, and for every pint of Give! Black Lager you enjoy, Bristol will give $3 directly to the Give! nonprofit of your choosing. Just make your selection on the ballot you get with your pint. Do the same at any area Old Chicago, and they’ll donate to your chosen charity, too. Then sit back and contemplate the joys of beer philanthropy as you relish this mild, yet flavorful German-style schwarzbier. Give! Black Lager, one of Bristol’s Community Ales, will be available at the Bristol Pub and all area Old Chicagos November 2 through December 31, or until the beer runs out.

Available exclusively at Old Chicago restaurants and the Bristol Pub Drink • Vote • Donate

Analysis: Women leave mark on local arts By John Hazlehurst

omen have been prime movers in the city’s arts scene for decades. It’s now thriving, egalitarian, accessible and becoming more so. Women have senior leadership positions in almost every major arts-focused nonprofit in the city, including the Colorado Springs Fine Arts Center at Colorado College, the Ent Center for the Arts at UCCS and the Pioneers Museum. They own galleries and other arts-related businesses and create significant artwork. There doesn’t seem to be a glass ceiling locally, an invisible and impenetrable good-ol’-boys network, but that wasn’t always the case.

THE MEN’S CLUB When Gen. William Palmer founded Colorado Springs in 1871, it was a real estate promotion conceived, funded, designed and managed by men. Women were second-class citizens, shut off from participating in commerce and government. As historian Alice Echols noted in Shortfall, her recently published account of a local financial scandal in the early 20th century, “The idea that the home was women’s and children’s sphere — inviolate and separate from the ruthlessly competitive and morally compromising world of commerce in which men moved — still had traction, particularly in Colorado Springs.” Educated, intelligent women had few options, and many turned to the arts. They were creators, like author Helen Hunt Jackson and artist Eliza Greatorex, benefactors like Julie Penrose, Alice Bemis Taylor and Betty Hare or subjects, like Palmer’s daughter Elsie. Ann Gregory Van Briggle, who founded and managed the Van Briggle Memorial Pottery Building after her husband’s death from tuberculosis, may have been our city’s first woman arts entrepreneur. But Van Briggle was an outlier. A 1916 exhibition catalogue of the Colorado Springs Art Society clearly shows guys

ran things, while the women served as worker bees on a six-member, all-women “Committee on Arrangements.” The pattern continued for decades. Penrose, Hare and Taylor built the Colorado Springs Fine Arts Center which, despite its origins, employed only one female museum director until 2016. In that same year, the FAC merged with Colorado College, led by Jill Tiefenthaler. Today, veteran nonprofit manager Erin Hannan and Colorado College Professor Rebecca Tucker lead the revitalized institution, renamed the Colorado Springs Fine Arts Center at Colorado College. The FAC’s leadership change doesn’t signal a new era for women, but confirms today’s workplace reality. Women are full participants in the arts in Colorado and are responsible for much of the simmering vitality that characterizes its arts community.

THE ENTREPRENEUR Longtime Colorado Springs resident Laura Reilly has been a professional artist since 1998. She nowworks out of her eponymous gallery at 2522a W. Colorado Ave. in the heart of Old Colorado City. She sells only her own work — landscapes ranging from “small daily paintings” to large, expansive Colorado scenes. And while Reilly’s work can be found in corporate and private collections throughout the Pikes Peak region, she relies on pedestrian walk-ins to her 122-square-foot space for most of her sales. “I’ve had people tell me that it would be an apartment in New York,” she said. “I couldn’t imagine living in a space that small. But I’ve always been a painter — I don’t remember a time when I didn’t have a brush or a pencil in my hand. To see and translate into paint the great beauty all around us is truly a privilege.” And has her location and passion brought commercial success? On a See Art page 32

Summer Special

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Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

SMALL BUSINESS

Boutique survives lean times with help from friends By Jeanne Davant

oyal customers have gotten Safron of Manitou Springs through tough times, and not just because of their purchases. They’ve become friends of the boutique’s owner, Safron Neusaenger, and some have even become volunteers at her new store. Safron of Manitou celebrated its grand reopening Oct. 12 at 2511 W. Colorado Ave., once again offering Neusaenger’s personal selection of wearable art, vintage-inspired and artisan clothing, and unique accessories. “We offer styles that make people look and feel good,” Neusaenger said. “We have nothing that’s anywhere else. If you’re that person who really likes to be original, we can help you with that.” Her clients include “lots of artists, writers and people with a lot of social occasions they have to do.” It’s been a rocky path to this point for the designer and stylist, who opened her first shop in 2003 at 116 Canon Ave. in Manitou Springs. “I had a collection of truly vintage — 18th century to 1920s and ‘30s old laces, vintage linens, along with burnout silks and velvets and hand-embroidered pieces,” Neusaenger said. “Art to wear was my theme. That was the beginning, and it was tiny.” As word spread about the shop, Neusaenger began to include made-to-order pieces in her collection. By 2006, she needed more room and moved the store to 720 Manitou Ave. Safron of Manitou prospered, even during the economic downturn. She had her strongest year ever between October 2010 and October 2011. “We were at our best during the early part of the recession,” Neusaenger said. “It wasn’t until the Waldo Canyon fire [in June 2012] that we really hit a wall. We never really recovered from that.” Neusaenger had ordered her summer stock in February, paying wholesalers up to 35 percent up front. But after the fire, she said, “our business declined completely, by at least 70 percent.” A small business loan helped her pay for inventory and basic expenses, but the store barely broke even. “Things were just coming back to life when we were hit by the flood” of 2013, she said. The store was forced out of the building, which was damaged by floodwaters. During the lean times, Neusaenger toiled part-time as a gardener. “I was down and out, but I worked with Happy Cats Haven on a fundraiser” in May 2014, she said. “I had my girls dressed in vintage, and I worked on ironing and seaming every day. It gave me something to do.” She tried selling online, “but I am just not that girl,” she said. “I’m a stylist. I like working with the person.” After the fundraiser, Neusaenger set up a store in

Safron of Manitou Springs Established: 2003 Employees: 1 Location: 2511 W. Colorado Ave. Contact: 719-237-2796; facebook.com/safronofmanitousprings Photo by Jeanne Davant

Boutique owner Safron Neusaenger has faced tough times in Manitou Springs due to the floods and fire that affected many.

the studio behind her Manitou home. “We put up racks and got stuff back from the people who had stored it for me after the flood,” she said. “I had a lot of people come who knew me and knew the store, and good clients from Denver, but no street traffic. I kept buying for my clients, but we needed a storefront.” After several years of just getting by, Neusaenger and her associate, Erica Hardcastle, decided the time was right to open another store. They wanted to be in Manitou but weren’t able to find a space. During a First Friday Art Walk in Old Colorado City, Neusaenger learned from her friends Liese and Kris Chavez at Chavez Gallery that a store across the street was available. “I called the Realtor the next day,” Neusaenger said. “I saw it with my girls on Sunday and signed the lease the next Wednesday.” “The girls” included customers-turned-volunteers like Hardcastle, who maintains Safron’s social media, and others who agreed to help out at the store. They painted, set up racks and displays, and held a soft opening in September.

SPONSORED BY

U.S. Bank is proud to have Mr. Nunn join the board and looks forward to his leadership on our Community Advisory Board of Directors.

usbank.com

Member FDIC 171344C 9/17

16 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

THE LIST: STARTUP RESOURCES Ranked by Number of Businesses Assisted

Startup Resources

From The Book of Lists & Power Pages

Ranked by Number of Businesses Assisted*

Just Missed The List

Rank

8 - High Altitude Investors 9 - Colorado Springs Chamber of Commerce & EDC

10 - Quad Innovation Partnership NR - Pikes Peak Small Business Development Center

Better Business Bureau of Southern Colorado recently awarded $7,500 in scholarships and fellowships to local students. Colorado Springs SCORE volunteers mentored 151 new startups that created 1,378 Colorado Springs jobs over the past three years.

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

Don’t miss The List

2 3 4 5 6

Oct. 20: Architectural Firms

Oct. 27: SBA Lenders Nov. 3: Manufacturing Companies Nov. 10: Office Furniture Companies/ Office Equipment and Supplies Companies

Name Address Phone Website Email Better Business Bureau of Southern Colorado 25 N. Wahsatch Ave. Colorado Springs, CO 80903 719-636-5076 bbbsc.org info@bbbsc.org Colorado PTAC 559 E. Pikes Peak Ave. Colorado Springs, CO 80903 719-667-3845 coloradoptac.org info@coloradoptac.org

No. of Companies Assisted in 2016

No. of Staff

Areas of Specialization

Person In Charge, Title

Year Est.

2,600

Business-to-business networking, business-to-consumer networking, education

Jonathan Liebert, CEO

1980

731

Dennis Casey, Executive 2009 Director

Colorado Springs SCORE 559 E. Pikes Peak Ave. Colorado Springs, CO 80903 719-636-3074 coloradosprings.score.org office@coloradospringsscore.org

239

Peak Startup 415 N. Tejon St. Colorado Springs, CO 80903 N/A peakstartup.org info@peakstartup.org Rocky Mountain Innovation Partners 1227 Lake Plaza Dr., Ste. B Colorado Springs, CO 80906 719-685-7877 rmipartners.org m.fox@rmipartners.org The Catalyst Campus 555 E. Pikes Peak Ave. Colorado Springs, CO 80903 719-896-5087 catalystcampus.com info@catalystcampus.com Colorado Institute for Social Impact 25 N Wahsatch Ave, Ste. 100 Colorado Springs, CO 80903 719-985-8354 CI4SI.org info@ci4si.org

120

Colorado PTAC is a no-cost, confidential resource for any Colorado business that is pursuing government contracts (federal, state, county or local government). We provide education and assistance throughout the government procurement process. We can assist with registrations, finding opportunities, marketing to the government, replying to solicitations, matchmaking between prime and subcontractors and assistance during contract execution. The Colorado Springs Chapter of SCORE has a vast range of industry experience and functional expertise and skills, including but not limited to agriculture, banking, e-commerce, government contracting, manufacturing, marketing, real estate, restaurants, retail and web-based technology and services. SCORE is a national organization with over 300 chapters and therefore has a even wider range of business resources and mentors available via email. Quality educational programs, networking and mentoring for entrepreneurs

We are the local non-profit organization that works directly with Ric Denton, CEO business-to-business scalable world-changing businesses. Our network of mentors and advisors span technological fields in software, aerospace, cyber and engineering.

Aerospace, defense, space, advanced manufacturing, cybersecurity

Ingrid Richter, Executive 2015 Director

We provide consulting and educational resources for businesses that want to have a social impact.

Jonathan Liebert, CEO and Executive Director

Joe Humphries, Chair

1964

Michelle Parvinrouh, Executive Director

2000

2015

1991

*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.

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

GET INFORMED

WE CHANGED OUR NAME, BUT WE’RE THE SAME Mountain View Bank is now Waypoint Bank. Learn more at WaypointBank.com/namechange

Tuesday, October 17 5:30-7:00 pm Free Event

2424 Garden of the Gods Road (former MCI/Verizon Building) Please follow the signs to Lobby C when you arrive on their campus. At the check-in desk you will be directed to the auditorium.

Before you vote, attend this free, moderated panel discussion to learn about the storm water and D11 mill levy ballot issues. Storm water fee proponents: Mayor Suthers Storm water fee opponents: Laura Carno D11 proponents: Lauren Hug, Friends of D11 D11 opponents: unconfirmed

The event is FREE, but please register thru the Facebook event “Your Voice, Your Vote – Get Informed”.

“Democracy cannot succeed unless those who express Franklin D. Roosevelt

HOSTED BY

MEMBER FDIC

Alumni Association

Colorado Springs Business Journal

Photo by Bob Stephens

From left, Maxletics CEO Jan Horsfall, Ohana Kava Bar owner Matt Clark, Olympic hopeful pentathlete Logan Storie and Maxletics Business Development Director Brad Brackel.

Maxletics matches elite athletes with brands

when you have multiple athletes endorsing you,” Patton said. “Jan and his tartup companies are often a team have a difficult task managing all work in progress, a fact well these athletes, but they provide certified known to longtime entreprecredible athletes to endorse a product neur Jan Horsfall. So he wasn’t at a fair price.” surprised that the company he has now, This is Horsfall’s fifth startup comMaxletics, actually began as something pany, and this one was originally different. aimed at congregating youth sports Maxletics, which Horsfall calls “a new organizations. breed of sports marketing agency,” con“You can’t be rigid. You’ve got to nects companies with Olympians and be adaptive,” Horsfall said. “The pivot Olympic-hopefuls who extol the virtues wasn’t a complete business change, but of those brands on social media. it did change the athletes we targeted, “It’s a beautiful thing, I think, for because we wanted to go international. our city that we’re able to promote our The Olympic-type athletes are perfect for Olympic athletes,” this, but we don’t use Horsfall said. “This is the Olympic logo. I’m the perfect place for not a specific agent. I us to be, sitting at the don’t ask to negotiate doorway where these all their deals. I just athletes come to live — Robert Patton say, ‘Can I profile you, and train.” and if I have a deal, Maxletics charges can I bring it to you? companies a monthly fee, which gets And we’ll stay out of the way of anythem a cluster of athletes — between thing if you already have a deal.’” three and 125, Horsfall said — who will Horsfall said he obtained private fundtalk about the brand’s product in social ing of $600,000 in 2015 after pivotmedia settings. ing the company and will do another “It’s influential marketing,” Horsfall private round of funding, seeking $1 said. “We have more than 1,100 athmillion, in the next 10 days or so. letes on our platform and expect to have Horsfall said he has a dozen employees 3,500 athletes by the end of 2018. We’ve and will move into a new office next added 15 million followers in the last week. He wouldn’t disclose revenue 45 days to give us 45 million followers of the third-year company but said that sit in the social media networks Maxletics “will do seven figures this like Twitter, Facebook and Instagram.” year.” That reach is paying off, both for the Patton said Maxletics has tapped into brand companies and the athletes. a tidal wave. “Since we started with Maxletics six “I’d say watch out for that type of months ago, we’ve doubled our revmarketing because it’s going to be more enue,” said Sheath Underwear CEO prevalent,” Patton said. “The influencRobert Patton, a Colorado Springs reser market is how it will be done going ident, although the company is based forward. in San Antonio. “Maxletics has been a “I think Jan is sitting on a gold mine.” valuable asset. We’re working with other companies also, but putting those six ATHLETES ARE APPRECIATIVE athletes on the front page of our website Patton said Horsfall is smart to go afhas been valuable.” ter Olympic-type athletes as influencers, Horsfall said having a cluster of elite partly because they need money. That athletes endorse a product will somewas certainly the case for three-time times be better than having a major star hawk the product. See Brands page 23 “It adds credibility to your brand By Bob Stephens

Oct. 13 - Oct. 19, 2017

LEADERSHIP LESSONS Garden of the Gods Club & Resort Gateway Building/Three Graces Space

Tom Naughton

Oct. 30 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.

“I think Jan is sitting on a gold mine.”

Bill Hybl

Nov. 20 As the head of the El Pomar Foundation, Bill Hybl directs one of the state’s most influential nonprofits. See what’s ahead for the foundation and learn how Hybl’s leadership has changed the organization founded by Spencer Penrose.

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

18 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Tiny homes: Know why you’re buying By Audrey Jensen

iving or starting a business in a tiny home has been a popular trend, and Colorado Springs is well known for its connections to the industry. The city hosted the Tiny House Jamboree, which drew thousands during the past two years. The event has since moved to Arlington, Texas, because of its rapid growth, according to Darin Zaruba, founder of the jamboree and former tiny home manufacturer EcoCabins. And even though the tiny house movement’s popularity continues to grow — thanks to builders such as Tumbleweed Tiny House Company in the Springs and Sprout Tiny Homes in Pueblo — some experts say the miniature structures might be an unwise investment because of city zoning restrictions and depreciation.

TINY HOMES, BIG DEPRECIATION Buying a tiny home as an investment is similar to purchasing a vehicle and trying to sell it for more money, according to RE/ MAX Realtors David Thomas and Jonathan Hanson, who agreed that the value of a tiny home will only depreciate over time. “I think the tiny house movement is harmful,” Thomas said. “For most people, especially people who are not typically investing, their home is their largest single investment. “A lot of these [Millennials] who are buying tiny houses aren’t investing their money [anywhere else],” he said. “You now have a

group of people who haven’t invested anything and may have a very difficult time retiring, so tiny homes [purchases] are very shortsighted.” Thomas and Hanson said many Millennials saw their parents lose homes during the last recession, so they think they will benefit from buying something more affordable. Jeffrey Markewich is a wealth adviser for United Capital Financial Advisers and a city planning commissioner. Markewich, who said his opinions don’t reflect the city’s, added tiny homes have not been on the market long enough to know if they are a wise long-term investment. “It’s not like you have 10 years of market analysis to say, ‘This is where trends are going or not,’” Markewich said. “They’re very trendy, but I don’t know if it’s going to end up becoming a practical use of housing. I think it’s very possible — there’s a lot of promise to it.” If future zoning allowed for it, Markewich said he would like to see businesses use tiny homes like food trucks use vehicles. “Imagine if you had a raw piece of land, a piece of property downtown and you wanted to start a business,” he said. “It would be a heck of a lot cheaper to put a tiny home on that property and open doors as a business than actually build a foundation and an actual building. If you put a tiny home on there and the business fails, you just move the tiny home.”

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See Tiny page 27

Photo by Audrey Jensen

Story Coffee Co. owner Don Niemyer started his business in a tiny home in Acacia Park.

La Junta | Manitou Springs Colorado Springs/Pueblo | Starkville Southern Colorado’s NPR Station Discover more at krcc.org

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

NOVEMBER 2017

ELECTION H

CANDIDATE SURVEY VOTER GUIDE

This publication is a free, nonpartisan service provided by Citizens Project to encourage informed voting and voter turnout. The responses were not edited for grammar, punctuation, or spelling and were truncated if they exceeded the specified word count. Candidates were asked nine questions. Visit www.citizensproject.org to read their responses to all fo the questions.

“Nobody will ever deprive the American people of the right to vote except the American people themselves and the only way they could do this is by not voting.” – Franklin Delano Roosevelt

Don’t be a bystander. Vote.

MARK YOUR CALENDARS AND

OTE!

Election Day is Tuesday, November 7, 2017

This is an ALL-MAIL election and ballots must be RECEIVED by November 7, 2017 at 7pm. Ballots will be mailed beginning October 16 and can be either be mailed back or returned immediately at drop-off boxes and at staffed ballot drop-off locations. A link to locations and hours can be found at www.citizensproject.org. For problems or questions call the El Paso County Clerk’s Office at (719) 575-VOTE(8683). Visit www.EPCvotes.com to register or update your registration.

™

CITIZENS PROJECT

2017 BALLOT ISSUES EXPLAINED For full ballot measure language and explanations in support of and opposition to these measures, visit www.citizensproject.org.

El Paso County 1A Allows El Paso County to keep and spend $14.5+ million in excess revenue on I-25 corridor projects, disaster recovery, and trails, open space, and parks. A YES vote means El Paso County will keep and spend revenue that would otherwise be refunded to tax-paying property owners. A NO vote means tax-paying property owners would receive a one-time tax credit approximately equal to $40 per single-family home valued at $250,000.

City of Colorado Springs 2A Allows Colorado Springs to collect stormwater fees to fund construction and maintenance of public stormwater facilities and systems to comply with regulatory requirements and protect life and property from flooding and stormwater. For residential property, the fee would not exceed $5 per month per dwelling unit. A YES vote means Colorado Springs would impose a fee on developed property for stormwater infrastructure. A NO vote means no change.

Pikes Peak Rural Transportation Authority 5B Amends Pikes Peak Rural Transportation Authority’s (PPRTA’s) capital improvement project list to include I-25 roadway improvements from Highway 105 to County Line Road, and allows PPRTA funding of those improvements up $10 million. A YES vote means PPRTA funds could be used for I-25 roadway improvements. A NO vote means no change

School District Questions Widefield School District 3, Cheyenne Mountain School District 12, and Colorado Springs School District 11 are all asking voters to approve issues related to increasing school funding. Citizens Project recognizes that education is a necessary component of a functioning democracy and that current state funding has resulted in inequitable treatment of school districts across the state. School districts must now ask their voters for additional local funding to meet the needs of their students. Citizens Project encourages voters in districts asking for additional funds to study their district’s ballot question, discuss the issues with others — including school board candidates — and make an informed decision on their district’s plan for using the additional funds.

Manitou Springs Ballot Questions

Voters in Manitou Springs have two questions on the ballot. Visit www.citizensproject.org to read ballot issue language, synopses, pros, and cons for these issues.

Candidates were asked nine questions. Visit www.citizensproject.org to read their responses to all of the questions.

PAID INSERT • CITIZENS PROJECT

20 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Candidates are listed in the order they appear on the ballot.

What is your position on public school choice? Should taxpayer dollars be used for private school choice?

What steps should be taken to acknowledge the rights of LGBTQ students and create inclusive learning environments?

COLORADO SPRINGS SCHOOL DISTRICT 11 MORGAN CHAVEZ

I love all the options that public school choice has allowed parents. I take advantage of this option for my own children. I hope that option remains open for those who want to utilize it. Tax dollars should not, under any circumstances, be used for private schools or any kind of voucher program. Anything that takes money away from public school’s budgets that are already stretched incredibly thin is not a good option.

Schools need to be a safe and positive environment for all students. This includes all LGBTQ students, without exception. I think schools should incorporate age appropriate conversations and/or specific curriculum on inclusion and acceptance. I also believe Transgender students should be allowed to use the facilities that align with their gender identity. The district should also be opening the conversation to the community and hosting town halls style meeting and/or learning workshops to engage parents in the topic as well.

JULIE OTT

Children learn differently and no one program is likely to be perfect for all children. For that reason public school choice can benefit many; it allows some families to find a school that may be a better fit for their student. All of our public schools should be offering our children a great, well-rounded education.

Teacher and staff professional development can include information about LGBTQ student issues, rights and inclusion. Schools should consider inclusivity options in curriculum and functions, teachers and staff should honor a student’s choice of pronouns. I will push the district to reach out to the community and organizations to ensure that our schools are safe and welcoming.

Facebook: Morgan D11 School Board BA, Sociology, UCCS Senior Service Consultant, Progressive Insurance

ElectJulieOtt.com BA, Journalism; MS, Land Resources Community Volunteer

Taxpayer dollars should not be used for private schools.

SHAWN GULLIXSON

Competition is healthy, but I also believe our schools are prepared to offer every student a great education - especially with the help of our community. Charters should serve a specific purpose that our public schools simply cannot provide before being approved as a district charter. I also believe charters should be held to the same accountability and performance standards as public schools.

I believe D-11 is a leader in being inclusive of all students and families, regardless of sexual orientation, race, and socioeconomic background. Our schools are a place of belonging and should always be focused on creating a space where every student feels comfortable learning. The District should continue to equip school resource officers and counselors with the tools and training to support a safe, encouraging environment.

JIM MASON

I support Public School Choice.

Frankly, this is a matter of enforcing Laws, approved policies, and Standards of Conduct. LGBTQ Students are Students, like any other required enrollee in School; thus, they deserve to be treated with Dignity and Respect, just as every Student. As Public Education leaders, we must ensure there is a climate of Respect and Courage towards protecting and supporting the Rights of all people. I think District 11 leads by example in this area…with our demand that every Employee and Student, endeavor to treat each other with Dignity and Respect while pursuing the finest education and learning environment possible.

GullixsonforD11.com Vectra Bank Vice President

BA, Political Science, Knox College; MS, Personnel Management, Troy University; Master Military Arts and Science, U.S. Army Command and General Staff College; Strategic Studies, U.S. Army War College Defense Contractor/PARSONS, Inc.

No. In my thinking this is a personal decision, which should be underwritten by the decision-maker.

ACADEMY SCHOOL DISTRICT 20 KARIN REYNOLDS

While I am opposed to using taxpayer dollars for private school choice, I am in favor of public school choice that empowers parents and students to select schools that best meet their needs within a public education system. District 20 and other districts across the state provide robust choice process that provide such opportunities for students.

“Every student of this school district shall have equal educational opportunities through programs offered in the school district regardless of race, color, ancestry, creed, sex, sexual orientation (which includes transgender), religion, national origin …” (District 20 policy JB). To ensure that the spirit of the policy is embraced for LGBTQ students and all others mentioned, curriculum and student evaluation processes must be reviewed continually for discriminatory bias, students and staff must be provided training to identify and address discrimination as well as to support and understand one another, and students must be provided access to all programs and activities.

THOMAS LAVALLEY

I believe that parents know what is best for their children and I am a strong proponent of choice in education be that charters, Aspen Valley type options, vocational training, etc. Fortunately D-20 provides many options. This needs to continue and possibly expand.

I believe that all students should be treated fairly and with compassion. The rights of all students need to be respected including the right to privacy.

electkarinreynolds.org Master’s Degree in Curriculum and Instructionwith an Emphasis in Educational Leadership Educational Cosultant

lavalleyd20.com BS, Engineering Mechanics, USAFA MS, Mechanical Engineering, NM State Airline pilot

We need to have a conversation on choice. I support parents who choose secular or religious private schools for their children. And they deserve some consideration when it comes to the manner in which education is funded. Legislative options may include education savings accounts, tax credit for parents who choose private education, or other options.

WILLIAM H. TEMBY

Colorado is an open enrollment state. Statutorily, every one of Colorado’s 178 school districts must take in a choice student, from outside or inside their district, if there is a projected open seat in a school. Per pupil funding for that student comes with that student. It is in the best interest of any school district to fill projected open seats to maximize the funding of the district to support its programs and to defray expenses. I am currently evaluating and researching data to form an opinion about the value and consequences of directing public dollars toward private school education.

ASD20 is a progressive and welcoming school district. My five children who have attended and currently attend ASD20 schools generally believe that all individuals should be and are treated and accepted equally. It would be naïve to state that there isn’t immature and sad behavior exhibited at times between school-age kids, but ASD20 does not accept this behavior towards any student. The learning environment is already inclusive. If any student has individual educational needs, then the district addresses those needs formally through IEP’s and other programs.

DOUG LUNDBERG

Academy D20 has an advanced internal choice system for our students. As long as there is space available in any school, our students can apply and go to that school. The choice window has been an effective way for parents to decide where they want their children placed. We even have the largest charter school in the state of Colorado: The Classical Academy. I see no reason for taxpayer money to go to private schools when D20 offers such a variety of great choice options.

We need to foster a culture of celebrating differences rather than using the differences to keep us apart. It is okay for out students to learn about each other and to come to understand each other. The world is full of people of all sorts. It is critical that we create a culture that allows us to listen to each other respectfully, while maintaining the ability to think and make decisions about our own lives.

ERIC S. DAVIS

I believe in the freedom of choice and with choice comes consequences and therefore owning those consequences. I also believe that competition creates excellence especially when paired with a proper reward. With all that being said I am a proponent of Charter schools paid for with Public funds and is open to anyone who applies but private school paid by the individual. And if done properly parent choices for private or home school education can be paired well with public education in which both groups get to share in the public funds.

In my own personal experience I have seen LGBTQ students deal with some major difficulties in life as well as face some major challenges from their society. With that being said I do not believe that public education (under 18) is the place for these issues to be dealt with. Sexuality is a personal and not public issue that should be dealt with in private and not as an institution of the government. There is a certain age to deal with certain issues and the school system should focus on mental education of math, sciences, reading and writing.

willtemby4d20.com BS, University of Massachusetts-Amherst Managing Partner and Owner, Apprentice Personnel

lundberg.tv Masters in Education Retired School Teacher

VoteEricDavis.org 2 Associates Degrees and 1.5 Years @ UCCS Entrepreneur & Small Business owner (3T Martial Arts)

Candidates were asked nine questions. Visit www.citizensproject.org to read their responses to all of the questions.

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

Candidates are listed in the order they appear on the ballot.

What is your position on public school choice? Should taxpayer dollars be used for private school choice?

What steps should be taken to acknowledge the rights of LGBTQ students and create inclusive learning environments?

HARRISON SCHOOL DISTRICT 2 LINDA M. PUGH

Parents should be able to take their child to the school that best meets his/her needs. Realistically, attendance at the neighborhood public school may be the only feasible option for many families due to various factors. Their public school needs to provide the very best educational opportunity.

HSD2 has always embraced diversity and focuses on personalized learning for each scholar. It has strong anti-bullying programs to protect all individuals.

STEVEN R. SEIBERT 6 years of post secondary classes at PPCC/ Mesa State College

Open enrolment ensures all students and families have to the choice to find the best fit for their child. No, public funds should stay public where the voters can hold the decision makers accountable

Treating any student different because of any reason is not tolerated in any of our school.

JOSHUA HITCHCOCK

Did not participate

JEANNIE OROZCO

Every Child is different and parents deserve options, however I believe that HSD2 is providing well rounded options that can meet most scholars needs.

I truly think that inclusivity starts at the youngest of ages. If we our embracing differences from an early age as a community we can eradicate the idea that difference are a bad thing. Allowing each of use to have full acceptance.

MS, University of Maryland RN, retired Army Nurse Corps

High School Community Advocate

MANITOU SPRINGS SCHOOL DISTRICT 14 NATALIE JOHNSON

This one is easy. I wholeheartedly believe in the public school system. I do not believe that taxpayer dollars should be used for private school choice.

In terms of keeping up with the needs of LGBTQ students, the Board is going to need regular updates from the GSTA--we have active organizations at the Middle and High Schools. As minority students in our District, they need our support and advocacy. Gender non-conforming students should be treated with respect and understanding. Training for the board, staff, administrators and students exists and is ongoing. Manitou Springs has been progressive in this area. They created transgender bathrooms before Palmer High School. Our Elementary Schools and Middle School need facilities. MSSD14 is working hard to support these students, staff and administrators.

CHRISTINA VIDOVICH

School Choice has taken on a life of it’s own in Colorado aside from vouchers for private schools. If we define School Choice as a parents’ ability to select a program, school or district, charter or non charter, that is funded with public dollars then I am for School Choice. Manitou Springs has over 50% choice students and would not be able to provide services or maintain its facilities if they did not. I do not support the use of public funds being used for private schools.

First and foremost district and school leaders need to understand both the legal issues and humanistic issues around LGBT students. Policies and guidelines should be established at the district level with all staff educated on students’ rights. Legal compliance is a low bar. The real task is building supportive relationships and having an awareness of the daily issues faced by an LGBTQ stduent. The overall school community must model warm, accepting behavior toward all persons. Practices in each school should reflect individual student’s needs not a “fix” based on a label.

ANNA H. LORD

MSSD14 has been positively impacted by Colorado’s “choice” environment. When I first was elected to the board in 2003, we were in a period of declining enrollment, looking to reduce programs and staff. We have improved our programs to attract out-of-district students, which have supported our schools by increasing student count which adds both energy and additional funds. While I support the right of parents to send their children to the public school of their choice, I do not believe taxpayer dollars should be used for private schools through vouchers or any other vehicle.

It is important to insure that all children served by MSSD14 have an equal opportunity to learn and succeed. I believe that Manitou has generally been an open and accepting place for LGBTQ students, but it is important that district policies reflect a commitment to insure that students and staff are not discriminated against based on gender, sexual orientation or gender identity.

JONATHAN T. DOOLEY

Public school choice is an exceptional tool for parents and students to use to find the best program available in the public school system that fits the students’ needs and goals.

Manitou Springs SD-14 does a very good job of addressing and allowing for freedom of expression. All students have an inalienable right to be who they are and bullying and discrimination are not to be tolerated. There are designated safe places if a student feels insecure and trained staff to help with any questions the students might have. But the focus of the school is on education and the rights of the one student does not infringe on the rights of the other students to get a quality education.

BA: Art History and English, MS: Women’s Studies ED of Manitou Art Center & Manitou Springs Creative District

BA Psychology; MA Curriculum and Instruction; Superintendency License D49 Zone Operations Administrator

BS, Finance, UCCS Instructor, YMCA

Chipitaparkpoolandspa.com MBA, MSM, BA Business Owner – Chipita Park Pool and Spa llc

JACK SHARON

UCLA; Oral Roberts University School of Medicine ER physician

Private school and Faith based schools are an option for parents who choose to send their student to them but taxpayer dollars are NOT to be used to fund any private or faith based school. We should never fear competition. We should be the district that children and parents want to be involved with. There are many places (not Colorado/Manitou Springs) where school choice and vouchers may be the only way that parents can help their children get a good education.

These issues are primarily regulated by state law and policies crafted by the Colorado Association of School Boards to assure compliance. Following these guidelines and valuing all students as unique should be our guiding principle.

H H H H H Candidates were asked nine questions. Visit www.citizensproject.org to read their responses to all of the questions.

22 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Candidates are listed in the order they appear on the ballot.

What is your position on public school choice? Should taxpayer dollars be used for private school choice?

What steps should be taken to acknowledge the rights of LGBTQ students and create inclusive learning environments?

LEWIS-PALMER SCHOOL DISTRICT 38 DISTRICT 1 SHERRI HAWKINS

I have mixed feelings about school choice. It gives students the opportunity to attend great school districts such as D-38 and I benefited from attending a school outside of my home school. boundaries. I believe every student should be able to receive a great education. I believe public dollars need to stay with public education.

LGBQT students are students, just the same as any other student. Just as I would expect straight students to not publicly display their affection, my expectation is the same for LGBQT students. Our district follows state statue and states: Every student of this school district shall have equal educational opportunities through programs offered in the school district regardless of race, color, ancestry, creed, sex, sexual orientation, religion, national origin, marital status, disability or need for special education services.

CHRIS G. TAYLOR

The LPSD 38 board of education should always follow CO statutes. My position on public school choice is that more choice enables parents to ensure their children have the best opportunity to become adept and productive members of society. The values of the community should be reflected in the policy that drives the administration of the LPSD 38. These community values must be represented on the LPSD 38 board of education. No, I support the CO statute for public school choice and charter schools are by law considered to be public schools.

There should be no labels of students to drive specific outcomes. The LPSD 38 board of education should provide policy that enables every student to feel safe while having access to the best education available.

sherri4lpsd38.com BS, The Ohio State University Lead Coach at Colorado Juniors Volleyball Club

Chris4SchoolBoard.CO Accounting/MBA Technology Business Owner

LEWIS-PALMER SCHOOL DISTRICT 38 DISTRICT 3 TIFFINEY UPCHURCH

CO law gives families the ability to attend the school that best fits their needs in order to meet the needs of all learners and brings healthy competition of methods and ideas into the school district. In D38 we have the honor of having excellence in all of our schools, which includes our public charter school. I would like to continue to foster the excellence that makes each neighborhood school the choice families prefer. Private schools are an asset for some families; the Colorado Supreme court has ruled that public funds cannot be used for private school choice.

D38 has both an ethical and legal responsibility to provide an inclusive learning environment to all students. In addition, all students’ rights are inherent and D38 acknowledges the rights of all students, regardless of background or beliefs.

THOMAS DE ANGELIS

School choice is Colorado state law. The ability of families to choose from a mix of public schools (including charters) with different focus areas is something in which Coloradans should be proud and maintain. I firmly believe public schools are the cornerstone of our civil society and are a common good into which all Americans must invest for the benefit of our overall Nation. A home is most often an individual’s largest wealth creator. A high-performing public school district directly correlates to higher property values which in turn benefits all taxpayers in the community.

All students in our public schools should be shown dignity and respect, regardless of their sexual orientation or gender identification. Within D38, we welcome all students and educate our kids on respect through the Path to Empathy Program and this year’s District theme of “Through Their Eyes, In Their Shoes”. Our Lewis Palmer School District has a Non-Discrimination policy for a range of protected classes, including our LGBTQ students, and states no discrimination or harassment shall be tolerated. The policy also provides avenues for reporting.

upchurch4kids.com Bachelors Degree in Communication Community leader/Advocate

deangelisford38.com BS, USAFA; MBA, University of Maryland College Park Technology Executive with focus on the Government Market

Additional Candidate Survey Questions Visit www.citizensproject.org to read all responses.

THANKS TO THE FOLLOWING ORGANIZATIONS FOR COSPONSORING CITIZENS PROJECT ELECTION EDUCATION:

Why are you running for school board and what makes you the best candidate? What are the most pressing challenges for your district this year and how will you address them? How will you address the effect of reduced public school funding resulting from the imposed “negative factor?” What role should the arts play in public education? Considering the frequency of youth suicides recently, how can your district better meet the social/emotional needs of students?

ACLU of Colorado • Center for Nonprofit Excellence • Colorado Common Cause Cultural Office of the Pikes Peak Region • First Congregational Church Planned Parenthood of the Rocky Mountains

P.O. Box 2085 Colorado Springs, CO 80901 (719) 520-9899 www.citizensproject.org info@citizensproject.org

How is your district responding to reported hate incidents? How should your district ensure a religiously neutral learning environment? Do current district policies adequately address religious expression, intelligent design, and holiday celebrations?

H H H 4

Citizens Project is a fearless, bold advocate and an engaging voice that empowers and challenges our entire community to embrace equality, diversity, and separation of church and state.

BOARD OF DIRECTORS

STAFF • Deb Walker, Executive Director • Joy Garscadden, Operations Manager

• • • • • • •

Jane Ard-Smith, Chair Rev. Norm Bouchard Judy Casey Kathy Dreiling Sue Grant Andrew Hershberger Lisa Kemppainen

• • • • • •

Pete Lee Steve Mack Cynthia Nimerichter Michael Pearlmutter Jan Tanner Jason Thompson

Candidates were asked nine questions. Visit www.citizensproject.org to read their responses to all of the questions.

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

Brand: Athletes add influence Wing: Water’s toxic From page 17

world champion female wrestler Adeline Gray, who qualified for the 2016 Olympics in Rio de Janeiro and wanted her family at the Games. She earned about $30,000 through Maxletics for using various products and talking about them on social media, Horsfall said, and “another $17,000 was raised through our crowd funding tool that’s like a GoFundMe page.” Gray said that money not only padded her savings account but also paid for her fiancée, parents and three little sisters to go to the Games. “Maxletics handles everything and they’ve been great to me,” Gray said. “They schedule when I should Tweet out certain products or [post] on Instagram. This has been big for me; those dollars really help.” Horsfall said he has deals with a dozen companies and has three times that many in the pipeline, including one with a major car dealer in the Pikes Peak region that should be announced next week. “It’ll probably be 90 percent national brands, but I like the local market,” Horsfall said. “It’ll be interesting to see how that arm develops for us.” He recently signed on Ohana Kava Bar, a downtown Springs establishment owned by Matt Clark, as the first local business to join Maxletics. Olympic hopeful pentathlete Logan Storie and his wife, triathlete Erin Storie, have been linked to the Kava Bar as influencers. The Federal Trade Commission showed its concern for the growing influencer market in social media back in April when it sent letters to 90 influencers — including athletes and entertainers — who had posted on Instagram.

The FTC said, in part, in a press release “… that if there is a ‘material connection’ between an endorser and an advertiser — in other words, a connection that might affect the weight or credibility that consumers give the endorsement — that connection should be clearly and conspicuously disclosed, unless it is already clear from the context of the communication.” Material connections might be monetary payment, free products or a business or family relationship. The rules apply to both marketers and endorsers. The FTC noted that some posts might offer a disclosure but that it wasn’t clear enough, such as putting #partner in a string of hash tags. On Instragram posts, the disclosure must be included above the “more” button. Horsfall said the average deal for an athlete is between $2,500 and $10,000 but that some have been as much as $50,000. He estimates that as much as a third of the United States’ Winter Olympic team will be with Maxletics. “These athletes are recommenders because that’s how we buy things today,” Horsfall said. “Before you buy your phone, before you buy a coffee cup or a computer, 90 percent of us want a recommendation and over half of us actually use one to make the purchase. What’s also interesting about it is if a recommender helps you buy something, you’re almost 40 percent more apt to buy it again. So it has a major impact on the repurchase rates. “Influential marketing is the fastest growing portion of the media spend inside of a brand,” he added. “It has an undue impact on how people are buying things. That’s one reason we’re really excited about where Maxletics is headed.” CSBJ n

From page 13

where they can influence all of the others.” Peterson AFB is navigating some difficult challenges between the base and the community, Moore acknowledged, including the contamination of local water supplies and soil with toxic perfluorinated chemicals. In July, the Air Force unveiled a 600-page report confirming that firefighting foam used at Peterson had caused PFC levels more than 1,000 times higher than a national health advisory limit. The Business Journal first broke the news in January 2016 that water in the Security, Fountain and Widefield systems had higher-than-recommended levels of the toxic chemicals, linked to birth defects and certain types of cancer. “We are trying to get after this issue,” Moore said. “We recognize this is not just an issue for Peterson Air Force Base, but it’s an issue across the Air Force that we’re working through — and by virtue of that there’s a series of policy and legal issues that the Air Force is having to navigate. “... Getting to the bottom of it and getting answers from the headquarters and getting answers from the staff is a high priority for us. It takes time for the staff to do that, and I know it is not happening fast enough, and I am empathetic towards it. But we continue to push, we continue to ask the questions ... to get those answers for the community that supports us so faithfully.” Moore also addressed the racist slurs scrawled outside black students’ doors at USAFA’s preparatory school in late September, and praised Superintendent Lt. Gen. Jay Silveria’s widely reported speech and rebuke to cadets — that if they can’t treat others with respect, they should “get out.” Moore reassured families that “when your airmen are entrusted to the 21st Space Wing, they’re going to be surrounded by leaders who promote a culture of dignity and respect. We will absolutely refuse inappropriate behavior; it has no room. “As the events at the Air Force Academy last week brought a highlight, I would go on to say that the general’s comments that were put out there in the media were awe-inspiring,” he said. CSBJ n

UNDERSTANDING

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IN THIS CLASS YOU WILL LEARN... • Understanding the benefits of participating in programs for veterans & families • Better understanding of the requirements and policies of each funding program • Paperwork specifics & Inspection Process • Funding sources & structure of those agencies

AASC |545 E. Pikes Peak Ave., Suite 105 | Colorado Springs, CO 80903 | P: 719-264-9195 | F: 719-264-9198

24 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

PEOPLE ON THE MOVE

KUDOS Compiled by Bob Stephens

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

table arm of the dealership group, is directed toward women and children’s programs, with an emphasis on health and education. Funds are generated, in large part, through employee contributions.

MARTINEZ IS VETERAN OF THE YEAR

Dr. John Joseph Randono

New Phlebologist American Vein & Vascular Institute

Benny Nasser

New Board Member Tri-Lakes Cares

Jazzmon WaitesMcGhee

New Home Health Staff Specialist The Independence Center

Charity Mills

New Board Member Tri-Lakes Cares

Elba Barr

New Realtor RE/MAX Properties, The Browning Group

Tim Miller

New Board Member Tri-Lakes Cares

Leo Martinez was presented the first-ever El Paso County Veteran of the Year award in a ceremony Thursday. He was selected because of his years of work as the lead peer mentor with Veterans Trauma/ Treatment Court and for his hours of volunteer service with the organization.

KAISER PERMANENTE HONORED Americans for the Arts recently announced Kaiser Permanente Colorado as one of this year’s “BCA 10: Best Businesses Partnering with the Arts in America” honorees. The organization supports the arts in many ways, and started the Kaiser Permanente Colorado Arts Program. The program features more than 700 Colorado artists and 900 unique pieces throughout the 31 Kaiser Permanente medical offices in Colorado. The organization participates in the Colorado Business Committee for the Art’s “On My Own Time” art show — a two-decade long program that has featured the art work of more than 1,000 Kaiser Permanente employees, several of which are part of the permanent art collection displayed in the organization’s medical and administrative office buildings.

MILLER CHARITIES GIVES TO FOUR GROUPS Representatives from Larry H. Miller Liberty Toyota awarded $5,000 grants on behalf of Larry H. Miller Charities to VetREST, The Wildheart Foundation, Dream Centers and the Colorado Springs Therapeutic Riding Center. The donations will support community programs, including those that help in the treatment of veterans suffering from post-traumatic stress; enrich the lives of wild animals living in captivity; care for and support women and children living in poverty; and provide therapy to children and adults with disabilities. Assistance from Larry H. Miller Charities, the chari-

BUSINESS BRIEFS individual account numbers and the bank routing number will not change. In addition, all checks, ATM/debit/credit cards are still effective and will be replaced at the time of expiration.

MOUNTAIN VIEW BANK CHANGES NAME Tia Kavas

New Senior Vice President, Director of Invoice Purchasing Program Herring Bank

Robert Clennan

New President Mortgage Solutions Financial

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

Family-owned First Bank & Trust Co. has announced a name change to Waypoint Bank. The rebranding brings name consistency for all seven locations including one in Colorado Springs known as Mountain View Bank, a loan production office in Loveland and five Nebraska branches. First Bank & Trust Co. was chartered in 1883 as a full-service community bank. The bank launched a new website at WaypointBank. com, which replaces previous sites for First Bank & Trust Company and Mountain View Bank. Bank customers will continue with current services and

HI-TECH SOLUTIONS GETS CERTIFIED Colorado Hi-Tech Solutions, a leading provider of unified communications, says it is certified to provide cybersecurity solutions for small to mid-sized businesses. The independent IT computer company has served the Front Range for 20 years.

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

Oct. 11 - food, drink & nightlife Oct. 18 - community, shopping & services

to see which local winners were voted out of this world!

csindy.com

Colorado Springs Business Journal

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

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

Networking Events

Regional Events

Tuesday, Oct. 17

Institute of Management Accountants

Women’s Chamber: Luncheon

SCWCC: Lunch

The Southern Colorado Women’s Chamber of Commerce hosts its monthly business luncheon, 11 a.m.-1 p.m., Garden of the Gods Collection, 3320 Mesa Road. Go to scwcc.com to register.

The Southern Colorado Women’s Chamber of Commerce Business Lunch will be 11 a.m.-1 p.m. at the Garden of the Gods Collection, 3320 Mesa Road. Cost is $38 for members and $46 for nonmembers.

Learn about paid time off and other human resource challenges, 11:30 a.m.1 p.m., Hotel Eleganté, 2886 S. Circle Drive. Lunch is $25. Go to pikespeak. imanet.org for information.

SBDC: Cybersecurity Learn how to protect your business from cyber threats, 9 a.m.-noon, Ent Credit Union, 7350 Campus Drive. Go to pikespeaksbdc.org to register.

PPLD: How to Pick Stocks This Pikes Peak Library District Seminar will teach you how to pick stocks like the pros, 6-7:30 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Wednesday, Oct. 18 SBDC: QuickBooks, Part II Learn advanced QuickBooks with the Pikes Peak Small Business Development Center, 12:30-5 p.m., SBDC offices, 559 E. Pikes Peak Ave. Go to pikespeaksbdc. org to register.

SBDC: Courses for Creatives The Pikes Peak Small Business Development Center hosts a workshop about business logistics behind arts and music. Learn how to approach a gallery or how to book a music gig, 5:307 p.m., S.P.Q.R. Experimental Studio and Art Gallery, 17B E. Bijou St. Go to pikespeaksbdc.org to register.

PPLD: Minding Your Business Learn how to grow your business with the Pikes Peak Library District, Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

BBB: Basics Learn the basics of BBB accreditation with the Better Business Bureau of Southern Colorado, 9:30-11 a.m., 25 N. Wahsatch Ave. Go to bbb.org/ southerncolorado for information.

Thursday, Oct. 19 SBDC: Legal Entities Discover which legal entity best fits your business, 11:30 a.m.-1 p.m., Pikes Peak Small Business Development Center, 559 E. Pikes Peak Ave. Go to pikespeaksbdc.org to register.

PPLD: How to pick stocks This Pikes Peak Library District Seminar will teach you how to pick stocks like the pros, 6-7:30 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Wednesday, Oct. 18 CTU: Cyber Synergy Colorado Technical University hosts Cyber Synergy, an opportunity to network with cybersecurity professionals, 2-4:30 p.m., CTU campus, 4435 Chestnut St. RSVP at coscareerservices@ coloradotech.edu.

Thursday, Oct. 19 CSBJ: Fastest-Growing Join the Colorado Springs Business Journal as we celebrate the city’s top 10 fastest-growing companies — 1920s jazz style, 5:30-7:30 p.m., The Mining Exchange, 8 S. Nevada Ave. Go to csbj. com/events to sign up.

Springs Chamber: Connect The Colorado Springs Chamber & EDC hosts its bimonthly Chamber Connect, with speaker Kate Perdoni of the Pikes Peak Arts Council, 11:30 a.m.-1 p.m., Jack Quinn’s Irish Ale House and Pub, 21 S. Tejon St. Go to coloradospringschamberedc.com to register.

Springs Chamber: After Hours Joi n t he C olorado Spr i ngs Chamber & EDC at its monthly Business After Hours at Amnet, 5-7 p.m., 219 W. Colorado Ave. Go to coloradospringschamberedc.com to register.

Saturday, Oct. 28 Golden Lotus: Mid-Autumn Luncheon The Colorado Springs Black Chamber of Commerce hosts a celebration in conjunction with National Make A Difference Day, celebrating local seniors with a traditional Asian-Korean meal, 11:30 a.m.-1:30 p.m., Inn at Garden Plaza, 2520 International Circle. Go to goldenlotusfoundation.org to register.

Tri-Lakes: After Hours Join the Tri-Lakes Chamber of Commerce for its After Hours networking program, 5-7 p.m., DaVita Medical Group, 15909 Jackson Creek Parkway. Go to trilakeschamber.com to register.

Gear Up Your Grey Matter at PPLD

Woodland Park: After Hours The Woodland Park Chamber of Commerce hosts its monthly After Hours networking program, 5:30-7 p.m., Fidelity National Title & Vectra Bank, 361 W. Hwy. 24, Suite 100. Go to woodlandparkchamber.com to register.

Wednesday, Oct. 18 Pueblo: Job Fair The Pueblo Chieftain holds a business job fair, 11 a.m., Rawlings Library, 100 E. Abriendo Ave., Pueblo. For information, email jobs@chieftain.com.

Thursday, Oct. 19 Tri-Lakes: Breakfast Join the Tri-Lakes Chamber of Commerce for its monthly networking breakfast, 7:30-9 a.m., Tri-Lakes Chamber of Commerce and Visitor Center, 166 Second St. Go to trilakeschamber.com to register.

Pueblo: Digital Marketing The Southern Colorado Small Business Development Center and the Better Business Bureau of Southern Colorado host a digital marketing seminar, 9:30 a.m., Pueblo West Library, 298 S. Joe Martinez Blvd., Pueblo. Go to coloradosbdc.org to register.

Pueblo: After Hours The Pueblo Chamber of Commerce hosts its After Hours networking event, sponsored by Pueblo Community College, 5 p.m., Pueblo Joe’s at Pueblo Community College, 900 W. Orman Ave., Pueblo. Go to pueblochamber.org.

Monday, Oct. 30

Wednesday, Oct. 25

CSBJ: Tom Naughton

Woodland Park: Business Roundtable

Join the Colorado Springs Business Journal for the latest COS CEO Leadership Lessons speaker series with Tom Naughton, market president for U.S. Bank, 4:30-6:30 p.m., Garden of the Gods Collection, 3320 Mesa Road. Go to csbj.com/events to register.

Oct. 13 - Oct. 19, 2017

The Woodland Park Chamber of Commerce hosts its business roundtable, 7:30-9 a.m., Ute Pass Cultural Center, 210 E. Midland Ave. Go to woodlandparkchamber.com to register.

Keep your mind healthy with a wide variety of resources at 14 libraries throughout El Paso County and online at ppld.org.

B for ng

26 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

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COLORADO SPRINGS CONVENTION

& VISITORS BUREAU

WE BRING MORE PEOPLE TO COLORADO SPRINGS AT PIKES PEAK

MATADOR NETWORK

FREEZE FRAME CAPTURING THE PIKES PEAK REGION

A partnership with local videographer Brian Lewis of Matador Network resulted in video featuring a couple riding electric bikes from Amp'd Adventures through Garden of the Gods Park.

From morning light cresting over Garden of the Gods Park, to family friendly photo shoots with iconic backdrops, talented photographers and videographers help capture the unrivaled beauty of the Pikes Peak region to entice more outdoor, group, business and leisure travelers to book a flight or load up the car.

GAYLON WAMPLER Gaylon Wampler has worked with the CVB for many years. He has quite an eye for getting the perfect pose, angle and lighting.

WHITE SPECS CREATIVE Joel Strayer of White Specs Creative has worked with a variety of models and landscapes to create the visual direction for the annual Official Visitor Guide, the largest online and printed promotional piece for the CVB and Pikes Peak Country Attractions Association.

WINDSTAR STUDIOS Dane Scott and the video professionals at Windstar Studios created two 30-second TV commercials, shinging the torch on Olympic City USA during the airing of the Colorado Classic Cycling race.

Thanks to these passionate and talented originators, some of the best story-telling tools are at the CVBâ&#x20AC;&#x2122;s fingertips.

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

Tiny: Homes could have big potential for business owners and on five or more acres of individual parcels of land throughout unincorporated El Paso County, according to Ruiz. THE TINY FUTURE The proposal will first be heard by the Wise investment or not, in Colorado El Paso County Planning Commission, Springs, the challenge continues to be and if recommended to be passed, will location. El Paso County doesn’t have be heard by the Board of El Paso County many options for people who want to Commissioners. set up a tiny home on a residential lot. Planning commission hearings are Peak View Park in Woodland Park is open to the public and commissioners a tiny-home community and RV park. will address tiny homes at 9 a.m. Nov. 7 It’s one of the closest tiny-home comat 2880 International Circle and 9 a.m. munities to Colorado Springs. Nov. 28 at 200 S. Cascade Ave. The site has 34 spaces for long-term Ruiz said the proposed change would rentals starting at $450 per month. The include some construction limitations land also includes water, electricity and and site plan requirements. gas from local and na“Because there are tional providers. no building permits It’s an option not for [tiny homes], we available in El Paso would need to verify County: Tiny homes that there are utilities cannot be located in in place — so water, — David Thomas RV parks in El Paso sanitation and then County for more than some form of gas or 30 days at a time or electric. We will be 90 days total per year, according to the only step in the process where baNina Ruiz, project manager for El Paso sic utilities could be verified,” she said County Planning and Community in an email. Development. Although proposed changes and But Zaruba said efforts are underway discussions look positive for tiny home to expand options through an amendenthusiasts, Zaruba said it’s still never ment to the land development code, going to be possible for anyone to place which the El Paso County Planning a tiny home wherever they want. Commission would review and then “The only other viable solution is recommend whether the board of comeither a city, or somebody, changes ormissioners should approve it as well. dinances to allow [tiny homes] as an The proposal would allow tiny homes accessory dwelling unit in a backyard,” within RV parks for an unlimited time he said. From page 18

“Tiny homes are very short sighted.”

Photo by Audrey Jensen

Locating in a tiny home could be a smart business move. The structures are easier to move, if needed.

Tiny homes should be compared to city don’t understand tiny homes beClass A RVs, Zaruba said. cause they’re not accustomed to them. “There are a million Class A RVs out “Typical tiny houses … are a whole there that people live in year-round in different category of housing,” Zaruba RV parks or resorts around the nation,” said. “Anytime you ask a Realtor, they’re he said. going to have a bad opinion on it — it’s Zaruba, who plans to merge with 1 2/23/17 12:00sell PM it.” CSBJ Sprout in17-CSU-01950_Business_PRINT_4.75x6.5_4C_FNL.pdf Pueblo, said Realtors and the not real estate, you can’t n

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28 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

THEATRE & FILM

WEEK

Art on the Streets Audio Tour! 1. Download the Otocast app to your smartphone (free from iTunes or Google Play). 2. Allow location services to find the Art on the Streets tour. 3. Use the interactive map and click the play button to hear artists talk about their work.

DowntownCS.com/AOTS

REGIONAL PREMIERE ON STAGE THRU OCT 29 “ingeniously funny” –Broadway World

FAMILY THEATRE ON STAGE OCT 13–NOV 12 “A fanciful, non-scary Halloween treat for the kid inside all of us.”

–Talkin’ Broadway

Adapted for the stage by Jon Klein, from the book by James and Deborah Howe, lyrics by Jon Klein, music by Chris Jeffries

Bunnicula Day Camps

Before Saturday performances at 11 a.m. Puppet making and theatre games for ages 6-13

A new comic adaptation of a classic adventure

PRE-THEATRE DINING Reservations (719) 634-5583

Tickets (719) 634-5583 · coloradocollege.edu/fac

Baskerville sponsored by The Gazette; Theatre Season sponsored by El Pomar Foundation; The Antlers, A Wyndham Hotel; Tiemens Foundation; Wells Fargo Private Bank

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

THEATRE & FILM MANITOU PAINTS! a plein air event Oct.21 10am-3pm

Meet artists on the street and watch work being created!

PARTICIPATING GALLERIES Cherokee’s of Manitou Commonwheel Artists Co-op Darpino Studio Gallery

David V Gonzales Art Studio Fare Bella Green Horse Gallery Manitou Art Center

Mark Day Fine Art Nancye Culbreath Art Tracy Miller Gallery

SPONSORS

celebrate

THEATRE & FILM learn more at VisitCOS.com/art Join a local theatre group

Attend a cult classic movie

Enjoy a local film festival

Attend a casting call

Try something new during Arts Month.

PeakRadar.com/ArtsMonth

30 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

THEATRE & FILM Opening this week:

AFTERLIFE: A GHOST STORY BY STEVE YOCKEY | DIRECTED BY SARAH S. SHAVER

OCTOBER 12 – 29

91.5 KRCC IS PROUD TO SUPPORT THEATRE & FILM Through a partnership with COPPeR, we present a weekly events segment from Peak Radar on Thursdays on 91.5FM and at KRCC.org.

LL EN CE CE LE BR AT E ARTIS TIC EXCE

17th Annual Pikes Peak Arts Council Awards Tuesday, October 17th from 5 - 8 p.m.

SpringsEnsembleTheatre.org | 719.357.3080

at the Fine Arts Center

Tickets at: http://bit.ly/2wuPKoKcouncil.org speakarts

For more information visit: www.pike

WILD HONEY

BY MICHAEL FRAYN, ADAPTED FROM AN ORIGINAL PLAY BY ANTON CHEKHOV

OCTOBER 19–NOVEMBER 5

TICKETS • 719-255-3232 theatreworksCS.org

Celebrating Arti

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

THEATRE & FILM Supporting

ARTS MONTH TheaTre & Film

The “unsinkable” Molly Brown and other survivors presented specially commissioned commemorative medals to the oﬃcers and crew of the RMS Carpathia for their rescue of RMS Titanic victims. The 1912 disaster has inspired numerous cinema dramas and documentary ﬁlms.

818 N. Cascade ave. • money.org/money-museum

PeakRadar.com/ArtsMonth

32 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Budget: Fleet growing old Art: Ladies lead the way From page 1

CITY FLEET IS AGING Lt. Howard Black, public information officer for the Colorado Springs Police Department, said any raise is a step toward retaining officers. “We appreciate all the support from the mayor’s office and believe any step to move our officers closer to market is a positive,” Black said in an email. “Policing is a difficult job, and our community has a vested interest in retaining experienced officers, so any incentive for those who choose this line of work is important.” Sut he r s s a id — Richard pay raises would also affect civilian employees. “There is some civilian compensation in there, but that’s like a four-year plan to get to market,” he said. Black said he realizes it will take several years to update the current city fleet, not only for the police but also the street department and parks division. “Our fleet is safe and fully equipped with technology and emergency equipment,” Black said. “However, the mileage continues to climb.” Suthers said the average age of a vehicle in the city’s fleet is 16 years.

“We’re hoping to reduce it to 11 within four years,” he said. “That means adding about $1 million a year. We can do it in this budget; whether we can increase that may depend, once again, whether 2A passes. We’d like to be, in four years, something like $5.2 [million].” Black said the mayor and Police Chief Pete Carey agree that 100 cops need to be added over the next several years to reduce response times and ensure police officer safety. Suthers said police response times are 11.5 minutes and the goal is 8 minutes. There are 14 police officers for every 10,000 citizens and Suthers Skorman said it should be at 17 or 18 per 10,000. The parks budget is $45 million — including golf courses, Pikes Peak and the city cemetery — and Skorman would like to see it even higher. “If 2A passes, I have the understanding we’d add another $800,000 in park capital,” he said. “That’s always a priority of mine.” Suthers also wants it to increase. “We’re still $8 or $9 million below the general fund level of pre-recession,” he said. “This is the largest increase in park maintenance since I’ve been mayor.” CSBJ

“They get good training here and that makes them attractive to other departments who pay more.”

From page 10

recent sunny September weekend, Reilly sold 28 paintings. “A lot of them were small,” she noted, “but four or five were big pieces. It was a pretty good weekend — I guess that’d be a good weekend for a much bigger gallery.”

THE LEADERSHIP TEAM Not so long ago, the FAC would have been quiet and vacant at 2 p.m. on a Tuesday afternoon in early October, but things have changed. Earlier this week, the parking lot was almost full and the building was bustling. “Well, it’s Arts Month,” said Museum Director Tucker. “There’s a lot going on.” Buck Walsky’s installation “Beach Front” shimmered in the afternoon sun in the FAC’s courtyard as five staff members sat for a group portrait. FAC Director Erin Hannan, Media Relations Manager Amanda Weston, Modern and Contemporary Curator Joy Armstrong and Bemis School of Art Director Tara Sevanne Thomas joined Tucker. Where were the guys? “You mean (Director of Performing Arts) Scott Levy,” said Weston with a laugh. Levy isn’t the only male manager at the FAC, but he and his male col-

leagues are definitely outnumbered. The management team is young, experienced, predominantly female and strongly engaged with Colorado Springs. For the first time in many years, the FAC is fiscally unconstrained, thanks to the merger with Colorado College. The center ramped up its community outreach, extended its opening hours and broadened its scope. It’s an exciting time, and the women who will help shape the new era are delighted by the challenges before them. For Hannan, who has spent much of her career working in marketing and communications in Colorado Springs, it’s a dream job. But will she ever be tempted to leave the Pikes Peak region for a bigger job elsewhere? Probably not, although there may be no bigger nonprofit arts-related position in Colorado Springs. “I’m really deeply rooted in Colorado Springs,” she said. “I hope to have a long story in this community.” And while the glass ceiling may have vanished in Colorado Springs, that’s not the case everywhere. “Museum directors tend to be male,” said Tucker, citing a recent article in the New York Times. If so, the FAC and Colorado Springs are leading the way. And 146 years after the city’s founding, it’s about time. CSBJ n

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Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

OTHER VOICES

Planning for the end of your business

ll businesses end. OK, all business may not end, but they change, and the individuals within it certainly change. This can occur for a number of reasons, such as an agreement to close the business, the voluntary or involuntary termination of one of the partners, disability or death of a partner, or by a court order. The question is: What now? The best way to deal with the any change is to plan for it. The best practice is to have ZENDEJAS an agreement between and amongst the partners as to what happens with respect to different events. When planning, there are a number of clauses which should be included in the agreement. The names of these agreements vary depending on the type of entity you have but the types of provisions are all the same: 1. Buy-out provisions. There are a number of times when one or more partners desire to leave the business or simply want the other partner out. This may include one partner leaving the business completely, or simply ceasing employment with the organization but retaining ownership in the company. Who has the right to trigger a purchase? What is the mechanism to trigger a purchase, and how and when will it happen? What happens in the event the purchase is triggered, but the sale does not close? Can an owner force another owner to buy out his interest? These are questions that should be addressed. 2. Misconduct or lack of performance. There are often times when a partner does not live up to expectations, for whatever the reason. The reasons range from lack of a good fit to ordinary malfeasance. Oftentimes the owner/partner is also an employee of the company, drawing a salary in addition to whatever bonuses or dividends are paid out. What is agreed to if it is determined that, as an employee, the party should no longer be employed? Will the termination of an employee cause a buy-out of that person’s ownership interest? 3. Death or disability. Sometimes one partner becomes

M. James

disabled and is either unable to continue at the former pace or unable to continue altogether. Before agreeing to enter into the business to begin with, the partners ought to determine what they want to happen. The choices include allowing the disabled partner to continue to receive all benefits that she had prior to the disability regardless of the ability to work to having some type of forced buyout of that partner’s ownership interest. The types of buyouts are limitless and vary from a single cash payment requiring the other partners to put up capital or borrow money to purchase the disabled partner’s membership to payments over time. The same is true as to when a partner dies. Along these lines, the partners also have to discuss whether the death or disability of a partner simply terminates the business. This also raises insurance issues. Should the company carry key man insurance? Key man insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. Should the company carry disability insurance for the important parties? 4. Ability to sell ownership interest. Another issue that should be addressed is whether a party’s membership interest can be sold to another party, and if it can, do the other owners have a right of first refusal to buy that interest. This issue can arise if one of the parties is going through a divorce and the ownership interest is subject to division in the dissolution proceedings. The non-owner spouse will generally be entitled to some portion of the value of the membership interest. Can the interest simply be transferred to the divorcing non-owner spouse so that a party who was not an owner can then become an owner without the consent of the initial owners? Agreements are easier to make on your honeymoon than they are during your divorce. Careful planning can help establish the expectations and rules when it comes time to parting ways with your partners. M. James Zendejas is a partner at the law firm Stinar Zendejas & Gaithe PLLC. His phone number is 719-635-4200.

Agreements are easier to make on your honeymoon than they are during your divorce.

LETTER TO THE EDITOR

Support for 2A is smart investment To the Editor: Next month, voters in Colorado Springs and El Paso County have an opportunity to set the stage for significant improvements in our transportation and storm drainage infrastructure. As a volunteer on boards dealing with our region’s vital infrastructure, I support both initiatives. Colorado Springs question 2A asks for approval of a $5 monthly residential charge to fund 71 specific drainage and flood prevention projects. Anyone who has lived in the Springs for more than a few months has seen the impact of strong rains on our current aged, often failing water control systems. Repairing these structures and updating others is essential to prevent future damage and save us money in the long run. Approval of the ballot item provides dedicated funding to address these short-

comings and helps us address state and federal lawsuits against the city based on past failure to address our drainage infrastructure. They also speak to Colorado Springs’ obligations in our agreement with the city of Pueblo for completion of the Southern Delivery System. Mayor John Suthers and city leaders have produced a specific project list. Our recent history regarding street repair gives me confidence our money will go where we mean it to go. Opponents will argue this is a “rain tax.” Nonsense. This is smart investment for the long-term future of our community and our relations with communities downstream. And, it will allow more general fund money to expand public safety forces — both police and fire departments for our general welfare. At the regional level, the Pikes Peak

Rural Transportation Authority is asking us to approve adding Improvement of I-25 between State Highway 105 north to County Line Road to the approved list of PPRTA projects. This is the El Paso County segment of what is known as “The Gap.” Widening I-25 is long overdue for a segment of interstate highway unchanged since it was built a half century ago. Planning is accelerating and this is a step in collaboration along the Front Range to solve an annoying and dangerous problem. And it comes without any tax increase. Area voters should look closely at both the city and regional issues. I believe you will see the wisdom of both proposals and will support them in the November ballot. — James Moore, Colorado Springs

SHARE YOUR OPINION Guest commentaries: Have a topic you’d like to

Letters to the editor:

write about? Send us no more than 750 words. And feel free to send us an email before you start to write to gauge our interest. Contact us at editorial@csbj.com or 719-634-5905.

Send letters to the Colorado Springs Business Journal, 235 S. Nevada Ave., Colorado Springs, Colo. 80903, or email letters to editorial@csbj.com.

Give us your feedback: Join the conversation, add a comment or pose a question on anything we publish on our website. Just scroll to the bottom of the story at csbj.com and start typing away in the Post a Comment box.

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34 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

Connect: Marketplace stabilizing after ups and downs From page 9

more carriers and competition,” she said. “We support having more carriers in the marketplace. Short of that, I think the carriers that are in the market are trying to be thoughtful and creative in the products they offer. We’ve tried to create [customizable] plans that reduce the cost in the individual marketplace.”

NOT ALL GOOD NEWS For all its victories, the marketplace has also seen upheaval. The system underwent a rocky roll out and technical issues during its initial enrollment period, and Connect for Health Colorado has since witnessed the disintegration of the first health insurance co-op, Colorado HealthOP, in late 2015. “The DOI took this action as the financial viability of the HealthOP came into question after learning it would receive considerably less money than expected

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from a federal, risk-based reimbursement program known as ‘risk corridor,’” Plymell said in 2015. Earlier that year, the Centers for Medicaid and Medicare announced it would only reimburse the nation’s health insurers 12.6 percent of what they were entitled to under the program — $362 million out of the $2.9 billion promised. Colorado HealthOP was expecting around $16.2 million in 2015 from the federal government, but received about $2 million. Financial help from the feds has continually been a sticking point for Colorado’s providers and others throughout the country. Reacting to repeated threats from President Donald Trump and his administration to do away with cost-sharing reduction subsidy payments, Salazar called out the president in June. “ … [I]t remains pivotal that the Trump administration commits to funding the cost-sharing reduction subsidy payments in 2018,” Salazar said. “As I said in a letter to the Colorado Congressional delegation in April of this year: ‘Using the CSRs as a bargaining chip

is tantamount to gambling with Coloradans’ access to health care.’” The Trump administration agreed the next month to fund those subsidy payments. And while every Colorado county will have a carrier in 2018, that was nearly not the case. For 14 of the state’s 64 counties, Anthem Blue Cross/ Blue Shield was the only available carrier through Connect for Health Colorado. In fact, there were fewer carriers in 2017 than in any previous year. Is the declining number of providers a concern? “It’s always a concern and we want more,” Clarke said. “We’re very happy when Bright Health, a startup, chose Colorado to test its business model. But we always want more. That was part of the mission the legislature gave us — to increase choice. We do that by having more carriers. But we have to give them more certainty about the market. The same things that are affecting rates affect their decision to continue in the market or leave.” CSBJ n

BUSINESS LEADS Incorporations Filed with the Secretary of State when an individual or business incorporates. ENTITY NO

CORPORATION NAME

20171686701 20171751762 20171520731 20171667581 20171673815 20171674490 20171689697 20171698839 20171709426 20171711698 20171715541 20171730940 20171730943 20171730946 20171730947 20171730949 20171730951 20171730955 20171730959 20171730960 20171730961 20171730964 20171730965 20171730968 20171730987 20171730989 20171730994 20171731647 20171731699 20171731833 20171732149 20171732152 20171732185 20171732298 20171732532 20171732548 20171732681 20171732712 20171732870 20171733152 20171733168 20171733185 20171733217 20171733297 20171733372 20171733385 20171733458 20171733619 20171733624 20171733635 20171733658 20171733770 20171733828 20171733900 20171733929 20171734112 20171734181 20171734189 20171734353 20171734492 20171734596 20171734635 20171734885 20171735109 20171735112 20171735149 20171735242 20171735317

Bald Guy Files LLC DLLC LIVERMAN PROPERTIES LLC DLLC Monger Kennels DLLC Citadel Family Insurance, LLC DLLC Evergreen West Management DLLC Ivanka Sweets Ltd DLLC TnS Cleaning Services LLC DLLC Bone & Feather Ltd. DLLC Skin Haven LLC DLLC GO4IT, LLC DLLC Better Healthcare For The Gambia DNC KOODdojo, LLC DLLC KMT Property Huron, LLC DLLC 10X00X000$, LLC DLLC KMT Property Acorn, LLC DLLC K-1 Enterprises, LLC DLLC No Limits Behavioral Solutions, LLC DLLC green aero custom furniture, LLC DLLC SuperEz.info LLC DLLC Peace Love Pilates, LLC DLLC Green Canopy Consulting, LLC DLLC Alternate Productions, LLC DLLC Langel Properties, LLC DLLC Dunncap, LLC DLLC Dollar + party, LLC DLLC CFS, LLC DLLC Mile Higher Productions, LLC DLLC Aver Rentals, LLC DLLC FAVE Cycling LLC DLLC BENJAMIN COONS, MD, PC DPC COR DLLC Brown’s Transportation LLC DLLC GB Western Hills, LLC DLLC GB Western Hills Manager, LLC DLLC FRANCESCA BINI LLC DLLC SARA SCHULTZ LLC DLLC Mekal Construction LLC DLLC GR Transportation LLC DLLC Handy Man LLC DLLC 6TH AVENUE CHIROPRACTIC AND WELLNESS LLC DLLC MC Pro Construction Services DLLC KIRKLAND CONSTRUCTION MANAGEMENT INC. DPC WCM ELECTRIC, LLC DLLC Little Farms Four You DLLC MOUNTAIN WINE ADVENTURES LLC DLLC JAMES L. ANDERSEN, INC. DPC ChestNut Development-WS1, LLC DLLC Beers Auto Service, LLC DLLC Wilson Bros. Grappling LLC DLLC Learning Keystones Inc DPC The Blank Chef DLLC JL Property Management DLLC National Homes, LLC DLLC Omnigames, Inc, DPC Altitude Roofing & Renovation DLLC SK Roth, LLC DLLC ELITE INSURANCE AGENTS LLC DLLC BK Roth, LLC DLLC Oasis MediSpa, LLC DLLC Blazing Maple, LLC DLLC JOHN GREER MINISTRIES INC. DNC Hillcrest Shopping Center LLC DLLC SORIANO’S PAINTING LLC DLLC Springs Tax Services, LLC DLLC The Rid Choice LLC DLLC The Headache Doctor DLLC LuLaRoe by Kim & Tara LLC DLLC Clas Online Marketing LLC DLLC

TYPE

FILING

AGENT

AGENT ADDRESS

AGENT CITY

STATE

10/1/17 10/3/17 10/1/17 10/1/17 10/1/17 10/1/17 10/1/17 10/1/17 10/1/17 10/1/17 10/1/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17 9/27/17

Jeffrey Rice TRAVIS LIVERMAN Traci Monger JANE GUSTAFSON Ivanna Klym Jennifer Supinski Susan Van Dam ELENA GARCIA ALVAREZ Kaddy McIntyre Brandon Babiracki TRACY COONS Joel Rauser Gary Winegar Gary Winegar Marcelo Irineo- Vargas George Robinson JR Arian Nunez Alonso Kelly McClure JOHN STINAR Marcus Wilson Jeffrey McLane Lancaster Jennifer Emily Stubaus Michael Kinner Jon Lillo Sally Kneeland MICHAEL HENDRICKSON Bryan Kneeland JOHN GREER ELPIDIO SORIANO Melissa LeGree Shakeema Ridore Joel Rauser Tara Sisterhen Thomas Clas

824 S Cascade Ave 2603 BEACON ST 2025 Ontario Dr 4420 Montebello Dr. 12133 MOUNT BALDY DRIVE 7814 Light Fighter Dr 3207 Jon st 4555 Paramount Pl. 509 Hawthorne Place 3310 W. BIJOU ST 730 Herbglen Court 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 1465 North Union Blvd. 548 Silverton Ct 15 BROADMOOR AVENUE 7621 Austin Bluffs Parkway, #200 5220 Solar Ridge Drive c/o Griffis/Blessing, Inc. c/o Griffis/Blessing, Inc. 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 116 S MURRAY BLVD APT 4 3121 Gomer Ave 1732 Whitehall Road 1155 KELLY JOHNSON BLVD 3630 Misty Meadows Drive 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 218 Andrews Lane 1155 KELLY JOHNSON BLVD 121 E. VERMIJO AVENUE 31 North Tejon St 2 No Nevada Ave., Suite 1100 7790 Thunderbird Lane 6070 Traditions Dr 218 Andrews Lane 3245 Ash Hopper Lane 6755 Earl Drive 4106 Flintridge Circle 7120 alpenwood way 6570 Snowbird Dr. 5524 LIBRARY LN 6570 Snowbird Dr. 231 E Vermijo Avenue 231 E Vermijo Avenue 447 Cielo Vista St. 1155 Kelly Johnson Blvd. Suite 111 3410 N EL PASO ST 961 Spectrum Loop 660B Johanne Place 7621 Austin Bluffs Parkway, #200 6375 Sonny Blue Drive 2615 Mariner Ct

Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado Colorado

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ZIP

80903 80907 80910 80918 80921 80902 80907 80918 80906 80904 80906 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80903 80909 80919 80906 80920 80917 80903 80903 80920 80920 80916 80910 80906 80920 80920 80920 80920 80916 80920 80903 80903 80903 80919 80924 80916 80906 80918 80918 80918 80918 80918 80918 80903 80903 80911 80920 80907 80921 80906 80920 80923 80920

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.

Colorado Springs Business Journal

EXECUTIVE HOMES

Oct. 13 - Oct. 19, 2017

Your source for ﬁne homes in the Colorado Springs area.

For more information call 634-5905

The Bobbi Price Team

Bobbi Price 719-499-9451 Jade Baker 719-201-6749 Stephanie Hawthorne 719-210-0480 $31,000,000 IN CLOSED SALES IN 2016

7834 Pinfeather Drive Fountain Mesa - $378,500

4409 Argyll Circle – Bridlewood $425,000

Under construction classy 3274 sq. ft. (2267 sq. ft. finished) 2-story with 4 bedrooms, den, 3 ½ baths, & 5-car tandem garage. Gas log fireplace. Island kitchen with stainless steel appliances (including refrigerator & wine refrigerator), slab granite counters, & 42’ cabinets with crown molding. Luxury vinyl tile flooring (LTV) & upgraded carpet & tile. 5-piece master bath. Slab granite throughout. Open great room floor plan. Walkout unfinished basement. HTV quality throughout. Close to Fort Carson & Peterson AFB. Easy access. Ready end of December. MLS# 3812099

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

17475 Cherry Stage Road – Cherry Creek Crossing - $675,000

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

Under construction stucco 4207 sq. ft. 4 bedroom, 3 ½ bath rancher on 3 lightly treed acres. 4-car garage (2-car & 46’ RV garage that can hold 2 more cars). 34’ covered composite deck & covered patio from finished walkout basement. 9’ & 10’ ceilings. Slab granite throughout. Open great room floor plan. Gourmet island kitchen & formal dining room with crown molding. Custom wet bar. Central air. District 38 schools. Completion date of Nov/Dec time frame. MLS# 5400255

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NOTICES OF GUARDIANSHIP

Kugler Company PO Box 1748 McCook, Nebraska 69001 www.k-lawn.com

(precurser notice to adoption)

NAME CHANGES

For more info call 634-5905 KL-110.indd 1

11/16/15 9:24 AM

36 Oct. 13 - Oct. 19, 2017

Rates vary, call for details. Prepayment is required. 3 line minimum. Please check your ad the first week of publication and call by noon the following Tuesday with changes or corrections. This paper is not liable for errors after the first publication of an ad. Colorado Publishing Company is not liable for the content of advertisements. All real estate advertising is subject to the Federal Fair Housing Act of 1968. We do not endorse any product or service and we reserve the right to refuse any advertising we deem inappropriate. C.5.3.5. Real Estate Advertising. Advertising for off-post housing available for rent, sale or lease by an owner, manager, rental agency, agent or individual, shall include only those available on a nondiscriminatory basis for all personnel. No facilities shall be advertised without the Colorado Publishing Company having been notified, in writing, that the owner, manager, rental agency, agent or individual enforces open-housing practices.

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Notices of Guardianship and Adoptions Name Changes Notices to Creditors

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To place a 25-word COSCAN Network ad in 91 Colorado newspapers for only $300, contact your local newspaper or call SYNC2 Media at 303-571-5117. HELP WANTED WANTED Cash for Mineral Rights Seeking Senior Construction Specialist Free, no-risk, cash offer. Contact us in Lead, SD to oversee with the details: complex construction Call: 720-988-5617 with minimal supervision. Write: Minerals, PO BOX 3668, B.S. in Construction Management Littleton, CO 80161 or related, 10+ years’ Email: experience required. opportunity@ecmresourcesinc.com http://bit.ly/2fbkC6m

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Colorado Springs Business Journal

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Heuberger Subaru is CURRENTLY HIRING Full Line Automotive Technicians Heuberger Subaru operates a high-volume service department and requires full line technicians to fill positions for an extremely busy shop. We offer over 40 years from an established loyal clientele. We are looking for a long-term key people to become a substantial part of our organization. Heuberger Subaru offers excellent group support: • Family owned 40 plus years in the community • High volume store and growing • One of the largest parts departments which is both well stocked and has excellent fill rates • Continuing paid Subaru education and certifications including master and senior master technicians.

Applicants with one or more ASE’s a plus. JOB DUTIES INCLUDE: • Routine maintenance • Heavy line work • Brakes • Safety inspections • Etc. POSITION INCLUDES: • Health benefits • Paid sick days • Dental / Prescriptions plans • Paid holidays • Paid vacation • 401k This is a driving position - applicants must be at least 18 years of age and must pass drug screen, background check, and have a good driving record. Must be able to stand, crouch, reach, and lift up to 40 pounds. Must be able to drive a manual transmission.

HIRING BONUS

Apply in Person or email Heuberger Subaru 1080 Motor City Drive Colorado Springs, CO 80905

PUBLIC NOTICES 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

Heuberger Subaru is NOW HIRING

EXPERIENCED EXPRESS SERVICE TECHNICIANS! We are looking for employees to become a substantial part of our organization. This is a full time position 40 plus hours a week. Room to advance and grow in the business. Must be able to work Monday - Saturday with a day off during the week - closed Sunday. JOB DUTIES INCLUDE: • Changing oil • Rotating, mounting, balancing tires and flat repair. • Brake inspections • Battery inspections • Multi-point technician’s inspections (MPI) • Other duties as needed Our benefits include * Health Insurance * Prescription Coverage * Life Insurance * Dental Coverage * 401(K) Retirement Plan * Paid Vacation * Paid Sick Days * Employee Purchase Plan Applicants must be at least 18 years of age and pass a drug screen and background. Must be able to drive a manual transmission.

Stop in to drop off your resume and discuss this opportunity, or call Cole Collins (719) 475-1920. 1080 Motor City Drive, 80905.

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

PUBLIC NOTICES 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

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Notices To Creditors

For more info call 634-5905

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: 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

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. 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

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.

38 Oct. 13 - Oct. 19, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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

(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: 07/21/2017 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-17-775938-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. EPC201700605 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 21, 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): JERAMIE J CRABTREE and ROBYN A CRABTREE Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: September 23, 2011 County of Recording: El Paso Recording Date of Deed of Trust: September 29, 2011 Recording Information (Reception No. and/or Book/Page No.): 211094948 Original Principal Amount: $194,930.00 Outstanding Principal Balance: $182,717.75 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 10, CONSTITUTION HILLS FILING NO. 8, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2587 WEYBURN WAY, 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, 11/22/2017, 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: 9/29/2017 Last Publication: 10/27/2017 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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700609 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 21, 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): ROGER BADER Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for NEW CENTURY MORTGAGE CORPORATION Current Holder of Evidence of Debt: U.S. Bank National Association, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage AssetBacked Pass-Through Certificates, Series 2007-KS2 Date of Deed of Trust: November 15, 2006 County of Recording: El Paso Recording Date of Deed of Trust: November 21, 2006 Recording Information (Reception No. and/or Book/Page No.): 206170123 Original Principal Amount: $171,000.00 Outstanding Principal Balance: $173,689.48 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 18 IN BLOCK 5 IN CANDLEWOOD FILING NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4565 SLEEPY HOLLOW CIRCLE N, 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, 11/22/2017, 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: 9/29/2017 Last Publication: 10/27/2017 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: 07/21/2017 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 # 00000006857742 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. EPC201700622 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 26, 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): JEAN M. DOLE Original Beneficiary(ies): COLORADO SPRINGS SAVINGS AND LOAN ASSOCIATION Current Holder of Evidence of Debt: BAYVIEW LOAN SERVICING, LLC Date of Deed of Trust: January 24, 1996 County of Recording: El Paso Recording Date of Deed of Trust: January 31, 1996 Recording Information (Reception No. and/or Book/Page No.): 96012356 Original Principal Amount: $64,000.00 Outstanding Principal Balance: $13,527.81 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 43, BLOCK 1, CONSTITUTION HILLS NORTH FILING NO. 1, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK Y-3 AT PAGE 25, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6256 CHANTILLY 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, 11/22/2017, 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: 9/29/2017 Last Publication: 10/27/2017 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: 07/26/2017 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: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Drive Boulder, CO 80305-5500 (303) 494-3000 Attorney File # 7192-10380 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. EPC201700634 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 31, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): CHARLES O’NEIL, JR. Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for MORTGAGE SOLUTIONS OF COLORADO Current Holder of Evidence of Debt: OCWEN LOAN SERVICING, LLC Date of Deed of Trust: March 02, 2010 County of Recording: El Paso Recording Date of Deed of Trust: March 22, 2010 Recording Information (Reception No. and/or Book/Page No.): 210026225 Original Principal Amount: $187,963.00 Outstanding Principal Balance: $178,816.33 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1 IN CONSTITUTION HILLS FILING NO. 8, COUNTY OF EL PASO, STATE OF COLORADO. Assignment of Deed of Trust recorded September 30, 2013 at Reception No. 213122607; Order: For Entry of Default Judgement, For Reformation, Quieting Title and for an Order and Decree of Foreclosure Against Kelly L. Harwood- O’Neil and Charles E. O’Neil, JR. recorded June 27, 2017 at Reception No. 217074964; Order to Amend Orders from June 13, 2017 and April 14, 2017 granted July 20, 2017 and recorded July 25, 2017 at Reception No. 217087374. Also known by street and number as: 2643 Weyburn Way, 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, 11/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 10/6/2017 Last Publication: 11/3/2017 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: 07/31/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David A. Shore #19973 Hellerstein and Shore, P.C. 5347 S. Valentia Way, Suite 100 Greenwood Village, CO 80111 (303) 573-1080 Attorney File # 14-01191SH 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. EPC201700635 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 31, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): THE JOSE E. LEON REVOCABLE TRUST DATED DECEMBER 12, 1996 Original Beneficiary(ies): WASHINGTON MUTUAL BANK, FA, a federal association Current Holder of Evidence of Debt: MTGLQ Investors, L.P. Date of Deed of Trust: December 26, 2003 County of Recording: El Paso Recording Date of Deed of Trust: January 12, 2004 Recording Information (Reception No. and/or Book/Page No.): 204006321 Original Principal Amount: $138,275.00 Outstanding Principal Balance: $178,237.16 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 12, RIDGEVIEW AT STETSON HILLS FILING NO. 32, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. *Scrivener’s Error Affidavit recorded on 12/28/2012 as Reception Number 212155257 to correct grantor on deed of trust Also known by street and number as: 6487 SUMMER GRACE STREET, 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, 11/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 10/6/2017 Last Publication: 11/3/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO

Colorado Springs Business Journal

Oct. 13 - Oct. 19, 2017

PUBLIC NOTICES 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: 07/31/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-14-623639-JS The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700643 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 2, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Bernard L. Kaufman and Suzanne P. Kaufman Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for People’s Choice Home Loan, Inc. Current Holder of Evidence of Debt: HSBC BANK USA, N.A., AS TRUSTEE ON BEHALF OF ACE SECURITIES CORP. HOME EQUITY LOAN TRUST AND FOR THE REGISTERED HOLDERS OF ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, SERIES 2007-HE2, ASSET BACKED PASS-THROUGH CERTIFICATES Date of Deed of Trust: August 30, 2006 County of Recording: El Paso Recording Date of Deed of Trust: August 31, 2006 Recording Information (Reception No. and/or Book/Page No.): 206129659 Original Principal Amount: $176,000.00 Outstanding Principal Balance: $191,735.49 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 201, IN THE HOMESTEAD SUBDIVISION FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5045 Splendid Circle North, 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, 11/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication: 10/6/2017 Last Publication: 11/3/2017 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: 08/02/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David A. Shore #19973 Hellerstein and Shore, P.C. 5347 S. Valentia Way, Suite 100 Greenwood Village, CO 80111 (303) 573-1080 Attorney File # 17-00253SH 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. EPC201700663 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 9, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Matthew D Hunteman Original Beneficiary(ies): Mortgage Electronic Registration Systems. Inc. as nominee for Quicken Loans Inc. Current Holder of Evidence of Debt: Quicken Loans, Inc. Date of Deed of Trust: February 11, 2016 County of Recording: El Paso Recording Date of Deed of Trust: February 18, 2016 Recording Information (Reception No. and/or Book/Page No.): 216016259 Original Principal Amount: $158,810.00 Outstanding Principal Balance: $156,729.88 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 11 IN BLOCK 2 IN RAINTREE FILING NUMBER 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4540 Whimsical Dr, 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, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 10/13/2017 Last Publication: 11/10/2017 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: 08/09/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Lisa Cancanon #42043 Weinstein & Riley, P.S. 11101 West 120th Ave., Suite 280 Broomfield, CO 80021 (303) 539-8601 Attorney File # 47552487 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. EPC201700665 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 9, 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): HARVEY G. DAVIS and ETHEL P. DAVIS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FIRST MAGNUS FINANCIAL CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: July 09, 2003 County of Recording: El Paso Recording Date of Deed of Trust: July 21, 2003 Recording Information (Reception No. and/or Book/Page No.): 203166425 Original Principal Amount: $170,537.00 Outstanding Principal Balance: $126,479.00 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 14, BLOCK 6, IN THE RIDGE SUBDIVISION, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4750 CHAPARRAL ROAD, 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, 12/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 10/13/2017 Last Publication: 11/10/2017 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

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STATEMENT OF OWNERSHIP, MANAGEMENT AND CIRCULATION (Act of Oct. 23, 1974: Section 4360, Title 39, United States Code) (1.) Publication Title: The Colorado Springs Business Journal (2.) Publication number: 1-3838. (3.) Filing Date: 10/1/17. (4.) Issue Frequency: Weekly. (5.) Number of Issues Published Annually: 52 issues. (6.) Annual Subscription Price: $89. (7.) Complete Mailing Address of Known Office of Publication: 235 S. Nevada Ave., Colorado Springs, CO 80903. Contact Person: Amy Gillentine Sweet, Editor & COO, Telephone: 719-329-5209 (8.) Complete Mailing Address of Headquarters or General Business Office of Publisher: 235 S. Nevada Ave., City of Colorado Springs, County of El Paso, State of Colorado, 80903-1215. (9.) Full Names and Mailing Addresses of Publisher, Editor and Managing Editor: Editor & COO: Amy Gillentine Sweet; Managing Editor: Bryan Grossman, 235 S. Nevada Ave., City of Colorado Springs, County of El Paso, State of Colorado, 80903-1215. (10.) Owner: Colorado Publishing Company, 235 S. Nevada Ave., City of Colorado Springs, County of El Paso, State of Colorado, 80903-1215. (11.) Known Bond Holders, Mortgages, and other Security Holders Owning or Holding 1 Percent or More of Total Amount of Bonds, Mortgages or Other Securities: N.A.. (12.) Tax Status: N.A. (13.) Publication Title: The Colorado Springs Business Journal (14.) Issue Date for Circulation Data Below: 09/29/2017. (15.) Extent and Nature of Circulation: (15a) Total Number of Copies (Net Press Run): The Average Number of Copies of Each Issue during the Preceding 12 Months are: 2500. Number Copies of Single Issue Published Nearest to Filing Date: 2922. (15b1.) Mailed Outside-County Paid Subscriptions: Preceding 12 Months: 1000; Published Nearest to Filing Date: 1000. (15b2.) Mailed In-County Paid Subscriptions Preceding 1494 Months: 1500, Published Nearest to Filing Date: 1852. (15b3.) Paid Distribution Outside the Mails including sales Through Dealers and Carriers: 110; Published Nearest to Filing Date: 0. (15b4) Paid Distribution by Other Classes Through the USPS: Preceding 12 Months: 0, Published Nearest to Filing Date: 0. (15c) Average Total Paid and /or Requested Circulation Preceding 12 Months:2500, Published Nearest to Filing Date: 2952. (15d.) Free or nominal Rate distribution (By mail and outside the mail:) (15d1.) Free or Nominal Rate Outside County Copies: Preceding 12 Months: 0; Published Nearest to Filing Date: 0. (15d2.) Free or Nominal Rate In County Copies: Preceding 12 Months: 10; Published Nearest to Filing Date: 0. (15d3.) Free or Nominal Rate Copies Mailed at Other Classes Through USPS: Average Preceding 12 Months: 0; Published Nearest to Filing Date: 0. (15d4.) Free or Nominal Rate Distributed Outside the Mail: Average, Preceding 12 Months: 0; Published Nearest to Filing Date: 0. (15e.) Total Free or Nominal rate Distribution: Average, Preceding 12 Months: 0; Published Nearest to Filing Date: 0. (15f.) Total Distribution: Average, Preceding 12 Months: 2500; Published Nearest to Filing Date: 2922. (15g.) Copies not Distributed: Average, Preceding 12 Months: 100; Published Nearest to Filing Date: 100. (15h.) Total: Average, Preceding 12 Months: 2600, Published Nearest to Filing Date: 3022. (15i.) Percent Paid: Average, Preceding 12 Months: 100%; Published Nearest to Filing Date: 100%. (16.) Electronic Copy Circulation. (16a.) Paid Electronic Copies: Average, Preceding 12 Months: 0; Published Nearest to Filing Date: 0. (16b.) Total Paid Print Copies +Paid Electronic Copies Preceding 12 months: 2500, Published Nearest to Filing Date: 2922. (16c.) Total Print Distribution + Paid Electronic Copies Average Preceding 12 Months: 2500, Published Nearest to Filing Date: 2922. (16d.) Percent Paid (Both Print & Electronic Copies): Average Preceding 12 Months: 100%, Published Nearest to Filing Date: 100%. I certify that 50% of all my distributed copies (electronic and print) are paid above a nominal price. (17.) Publication of Statement of Ownership. If the publication is a general publication, publication of this statement is required. It will be printed in the October 21, 2016 issue of this publication. (18.) Signature and Title of Editor, Publisher, Business Manager, or Owner: /s/ Amy Sweet, Editor and COO. I certify that all information furnished on this form is true and complete. I understand that anyone who furnishes false or misleading information on this form or who omits material or information requested on the form may be subject to criminal sanctions (including fines and imprisonment) and/or civil sanctions (including civil penalties). STATEMENT REQUIRED BY TITLE 39 U.S.C. 3685 SHOWING OWNERSHIP, MANAGEMENT AND CIRCULATION OF THE Colorado Springs Business Journal, publication number 1-3838, filed October 1, 2016, Published weekly, 53 issues per year, $89 annually at 31 E. Platte Ave., Ste. 300, Colorado Springs, CO 80903. The General Business offices of the Publishers are at 235 S. Nevada Ave.,Colorado Springs, CO, 80903-1215.

The Colorado Springs Business Journal can publish your

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Colorado Springs Business Journal