Colorado Springs Business Journal Oct. 20, 2017 by Colorado Springs Business Journal

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Military presence makes city a big cyber target By Helen Robinson

hina isn’t the only country on the hunt for American intellectual property, but it’s the largest and most efficient — and inventors and tech startups in particular need to take precautions. Colorado Springs’ concentration of military bases and educational institutions makes it an appealing target for foreign actors looking to steal information, according to Shawn Murray, cybersecurity engineer and chief academic officer with Springs-based Murray Security Services & Consulting. “We’re all concerned with Chinese cyberespionage … they’re very good at offensive cyber: stealing and hacking to further gain an edge within their economy,” he said. “But the strategies other than hacking that the Chinese and other actors use are going to be complex. “Small and medium[-sized] business owners need to

be wary — especially if they’re developing technologies that are sensitive or unique, and that’s their bread and butter. Be wary about the relationships that you’re making and the deals that you’re making.” In particular, be aware of what Defense Security Service Director Daniel E. Payne calls “the weaponization of business” — joint ventures and overseas deals that open the door for foreign companies to snatch American technology. “The Chinese have learned to take full advantage of the business cycle to steal technology that they need to upgrade their military services, as well as their intelligence community,” Payne told Law360, a legal news service. “They will use joint ventures to enter into business with companies doing business with [the Department of Defense]. They will use those joint ventures to acquire technology that they don’t have.” It’s not just DoD contractors at risk. Murray said any company or individual making innovations or

sensitive technologies should be on guard. “Especially with social media like it is today — just look at LinkedIn and social networking — it’s easy to create a profile on someone who’s doing really well and making great contributions,” he said. “They’re publishing articles in journals, they’re going to trade shows, they’re developing unique technologies, but they just don’t have that capital — and that’s where they’re vulnerable.” Murray explained how startups and inventors are targeted. “The Chinese will try and establish a partnership with you and your firm and give you the capital you need, because most firms are looking for capital to further advance the technology,” he said. “They’ll … give them lots of resources, lots of money — but they’ll ask for the partnership to be based in China where See China page 16

This week the Colorado Springs Business Journal celebrates some of the greatest success stories in the Pikes Peak region through its Fastest Growing Companies competition. From distilleries to IT to mortgage companies, read about this year’s winners beginning on page 20. Photo by Hannah Caproon

INSIDE

Factoring and banks.......................4 401(k) perks....................................6 YP: Kurian (left)...............................8 By the Numbers.............................12 Focus: Architecture.......................24 People on the Move...................... 26 Guest voices.................................. 33

EDITORIAL: SAY YES TO EASING TRAFFIC WOES

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With $2.9 million from the city of Pueblo and a 10-year Air Force contract, L3 Doss is taking off.

L3 DOSS SOARS IN PUEBLO

2 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

CSBJ.com Poll Has Connect for Health Colorado been a positive for health care in the state?

No. The dwindling list of carriers and the huge premium hikes are a recipe for disaster.

30%

The bigger issue is the Affordable Care Act.

28%

Yes, the uninsured rate has plummeted

25%

Sort of. Premiums continue to rise, but

17%

Repeal and replace!

since 2013 and that takes the burden off taxpayers.

subsidies have done a good job making insurance affordable for most.

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

Are you going to vote for stormwater and transportation funding in November? See past results at csbj.com/democracy-archives

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The issue: Traffic congestion on Interstate 25 damages commerce and county roads. What we think: Approving question 1A and 5B are steps toward finding money to expand Interstate 25. Tell us what you think: Send us an email at editorial@csbj.com.

ommuters to Denver are spending more time fuming in traffic jams than conducting business between Denver and Colorado Springs. Backups on Interstate 25 — which narrows to two lanes north of Monument and doesn’t open up to three lanes again until south of Castle Rock — are causing damage to the state’s tourism, its business prospects and its economic development. El Paso County roads are taking more than their fair share of the traffic — and it’s not getting any better. But there’s some positive news surrounding the I-25 traffic wars. The state announced last week it will spend about $250 million for the initial expansion work with the goal of starting construction in 2019 — once the environmental study and all preconstruction work is finished. Colorado Department of Transportation officials say that they recognized they couldn’t wait any longer to solve congestion on one of the state’s major interstates. Now it’s time for local residents to do our part to improve traffic and ease congestion from the influx of new residents in Colorado. Thanks to a booming economy, the El Paso County government has funds it can dedicate to the purpose — maybe. It all depends on voters. The county is asking residents to approve keeping $14.6 million in excess tax revenue to match state and federal funds for the project. The county would also spend some of the money on disaster recovery, as well as parks, trails and open space, according to ballot

proposal 1A. Absent voter approval on Nov. 7, El Paso County will return the money to taxpayers — about $40 for those owning homes valuated at $250,000. The Pikes Peak Rural Transportation Authority is also asking to retain about $10 million in excess revenue — and is asking voters to approve adding the I-25 gap to their project priority list. Because the money comes from excess revenue, it won’t affect funding of the other projects on PPRTA’s list. Together, these funds can match federal and state money to fix the gap. There’s little El Paso County residents can do to persuade Douglas County taxpayers to help fund their part of the expansion. After all, only about a mile of the planned expansion falls in El Paso County. But ending congestion between the state’s two biggest cities could pave the way for new opportunities for business expansion, collaboration and partnerships with the state’s capital city. Easing the stop-and-go traffic on I-25 removes the additional traffic burden on county roads. When traffic slows on the highway, hundreds of drivers inevitably make their way to Colorado Springs using county roads from Larkspur in Douglas County into Palmer Lake and through Monument. All those cars, trucks, delivery vans and tractor-trailers are taking a tremendous toll on roads that weren’t built to carry thousands of cars a week. And even then, traffic backs up on Highway 105 in northern El Paso County, on Highway 83 on the east side of I-25, on County Line Road in Palmer Lake and throughout Monument. Failing to widen I-25 now means taxpayers will be forced to pony up the money to fix the side roads and frontage roads throughout northern El Paso County. It’s a long-overdue, long-awaited fix. And now that the state’s on board, it’s time for local businesses and voters to approve our share of the money. Measure 1A doesn’t demand additional tax money; it’s using money already collected for something that will benefit the region as a whole. Vote yes on 1A and on 5B. CSBJ n

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

OPINION: HAZLEHURST

End of war on coal content-free gesture

hen Environmental Protection Agency boss Scott Pruitt traveled to West Virginia to announce the official end of the “War on Coal” a couple of weeks ago, it was a nice piece of political gamesmanship, but otherwise content-free. Coal producers didn’t announce thousands of new hires; electric HAZLEHURST utilities didn’t reopen shuttered coal plants or plan to build new ones; and coal’s many foes filled the air with familiar denunciations of President Donald Trump, EPA Director Pruitt and Interior Secretary Ryan Zinke. In Colorado Springs, City Councilor Tom Strand confirmed that the Drake downtown power plant is still slated for closure by 2035. A skeptic might say that such a promise is meaningless, since no present councilor will be in office 18 years hence — in fact, mortality tables suggest that a majority will have met their maker. That’s what happens in the reality-based community. The world doesn’t care about your wistful attachment to coal or to a long and healthy life. Que sera, sera, as Doris Day once told us. Like it or not, coal-fired power generation will soon be history, and not because of politics. Look at the indices: natural gas is cheap and abundant and will continue to be so unless the anti-frackers have their way nationwide. Wind, solar and small-scale energy storage devices become cheaper and more efficient

John

every year. And despite Trump’s fealty to coal state voters, most Americans appear to support renewables and natural gas. There are good reasons to do so. Coal-fired plants require expensive pollution control devices to mitigate particulate, sulfur dioxide, nitrous oxides and other pollutants, while renewables and gas do not. Coal-fired plants emit twice as much carbon dioxide as combined cycle gas plants, while renewables are entirely emission-free. Coal advocates point out, with reason, that coalfired electricity has helped lift hundreds of millions of people in the developing world out of poverty. Yet unchecked industrial pollution (particularly from coal-fired plants) in China and India has had disastrous environmental and public health consequences — and that’s without considering global climate change. China is slowly moving away from coal, well understanding that some combination of natural gas, renewables and nuclear will better serve its economy and people. Scientists recently analyzed black carbon levels in the feathers of hundreds of preserved songbirds in the collections of natural history museums in America. They found much higher concentrations of soot than expected, and concluded that industrial air pollution at the turn of the 20th century was far worse than previously estimated. I thought immediately of my father. Born in 1893 near Baltimore, he suffered most of his life from respiratory disease. He moved to Colorado Springs for his health, believing that our city’s clean air would help. Maybe it did, but he continued to suffer from asthma

and emphysema. He never smoked, but died of chronic obstructive pulmonary disease at 63. And although massive particulate pollution from coal plants has been substantially mitigated, other pollutants are also dangerous to public health. State demographers estimate that Colorado’s population will increase by 2.2 million by 2040, mostly along the Front Range. We’ll need rail corridors for freight and passenger trains, not for sluggish milelong coal trains. Gas pipelines are more efficient and far less disruptive. And yes, we’ll need more power-generating facilities, faster permitting and a real sense of necessary tradeoffs. Despite delusional assertions by those who would move us to 100 percent renewables, that’s not going to happen in the next quarter century. Transitioning from coal may take a few more decades, but it’ll happen. Consider the horse. In 1850 there were 60 million horses in the United States, employed in agriculture, transportation, ranching and industry. One hundred years later, there were fewer than 6 million. Thanks to trains, planes and most of all to automobiles, horses had no significant place in the economy. Yet no one accused Henry Ford of waging a War on Horses. They’re fun to own, to ride and to race. Will President Trump want a nostalgic lump of coal? Now that’s a project for the environmentalists among us — send the President a lump of coal for his Christmas stocking. What would he do? My guess is that he’d turn the tables and burn the coal in the White House fireplaces. CSBJ n

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Colorado Springs Business Journal

Join us as we recognize local women who are making a difference in their jobs and in their communities. For the first time this year, we bring you the Legacy Award, honoring a single woman who is creating a lasting legacy in the Pikes Peak region. Amanda Mountain, the first female CEO of Rocky Mountain PBS, will be the keynote speaker, discussing her career and the importance of mentoring. Women of Influence Award Winners: Lauren Hug Jane Ard-Smith Kasia King Dr. Rosanna Bakari Melissa Marts Gemma Delgaudio Danielle Summerville Jennifer Dodd Susan Szpyrka Rose Durham Tara Sevanne Thomas Patricia Erjavec Lola Wolach Legacy Award Winner: Stephannie Finley Fortune

Herring Bank a factor with Invoice Purchasing Program By Bob Stephens

fast-growing business without much credit history can still access cash and spur further growth by selling its invoices to a factoring company. It’s not a new process, but it is new territory for Herring Bank, which is starting an Invoice Purchasing Program. Herring Bank Market President Aileen Berrios, who works out of the bank’s Colorado Springs location on North Nevada Avenue, said it’s a big step for the Amarillo, Texas-owned bank. “For a bank our size, you don’t see it,” she said. “There aren’t many in Colorado Springs that do it. I know that it is not common for banks to have a factoring division.” Businesses with good credit history can obtain a line of credit with a bank. That allows the company to have working capital and conduct new business, even if it is waiting on invoices to be paid by other clients. “Invoices can be for 30 or 60 or 90 days, and a business doesn’t want to be stretched too thin, especially if they have payroll coming up,” Berrios said. — Aileen “If they don’t qualify for a traditional line of credit, the Invoice Purchasing Program might be what they need.” Herring Bank will buy those unpaid invoices from its client, initially paying about 85 percent of what the invoices are worth. The client sets up an account with Herring Bank, where its customers can pay off the invoices, and when that is done, Herring Bank will pay the remaining amount due to its client. “So if you’re giving me a $100,000 invoice, I’m giving you $85,000 the next day and I’m going to collect the remaining $15,000 and keep whatever fees have accrued and give you the rest,” said Tia Kavas, who came to Herring Bank in June to run the Invoice Purchasing Program. Businesses that can benefit from this program include high-growth or early-stage companies, those with insufficient credit lines and those operating in an industry undergoing rapid changes. On the negative side, those companies will pay a price for getting cash up front, and the fees are usually determined not only by their credit rating but also that of the customer whose invoice is being purchased. Factoring companies typically charge interest on the advanced money, so a slow-paying client will cost even more. Factoring companies also typically charge between 1 and 4 percent on each invoice along with application and processing fees. Berrios didn’t reveal exact fees, saying

it will vary with each customer but that Herring Bank will be less expensive than factoring companies. There could be a perception with clients that a company is in financial difficulty if it uses an invoice purchasing program, according to bankfinance. com, so it is important to let clients know why it’s being done. Factoring companies often require a contract that might last a year or more, but Kavas said Herring wouldn’t do that. “We do not charge an exit fee, and they can use it as needed,” Kavas said. “We give them the option to stay as long as it’s a value add for them.” Kavas, who worked with Berrios when both were at Vectra Bank, has been writing the policies and procedures for the Invoice Purchasing Program and getting the system up and running. “That is her baby and she’s starting it from the ground up,” Berrios said. “This is brand new. It’s such a good program for small and medium-sized businesses, and that’s what we’re all about. It gives those businesses the opportunity to access cash that they can’t access in a traditional line of credit. Larger companies need Berrios it if they’re growing quickly. If they’ve got high growth or went through an industry-wide downturn, through no fault of their own — like the oil and gas services business — and they can’t get a traditional line of credit, they could go into this type of product.”

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BANK ON LOWER RATES Kevin Hoskins, the founding partner of Springs-based consulting firm govIRG, said many businesses could benefit from a factoring program. “When people think of factoring, they think of humongous rates,” Hoskins said. “Banks have been able to bring those rates down.” Some of those alternative factoring companies still charge excessive rates, Hoskins said. “They can be outrageously high. Some are shark-like at 35 to 40 percent,” he said. “If you can get lower double digits, that’s where you want to be.” Berrios said she has done referrals back and forth through the years with “alternative companies.” “There are a lot of good companies out there, but they tend to be more expensive because they take more risk,” she said. “Rates will be all over the place, but we’ll tend to be more conservative with companies we do business with, so our prices will be on the lower side.” Kavas has 18 years of factoring experience with large international banks. See Factoring page 31

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

Soldiers take fast track to cybersecurity careers By Helen Robinson

new cybersecurity program — a partnership between SecureSet and Fort Carson — is offering active duty soldiers a fast track to cybersecurity careers in the civilian world. The pilot Cybersecurity Career Program aims to bridge the gap between military experience and civilian cybersecurity requirements, and smooth the transition to civilian life for service members transitioning out of the military, said Martha Laughman, senior manager of workforce and veterans programs at SecureSet.

Laughman said veterans are ideally suited to help meet the nationwide shortfall in qualified cybersecurity professionals. “Soldiers are extremely technically savvy, they’re used to working under pressure, they’re very analytical and logical thinking, they’re very quick on their feet — so they’re honestly the ideal candidates to be in cybersecurity,” she said. Seventeen active duty soldiers transitioning out of the Army are in the first cohort, participating in SecureSet’s five-month CORE Technical program, which readies them for civilian careers as security

Photo by Helen Robinson

Soldiers Sal Hinson, left, and Bill Gnerlich are working toward new careers through the pilot Cybersecurity Career Program at SecureSet.

engineers, information assurance analysts, penetration testers or security consultants. They continue to receive full military pay and benefits throughout the program, and can use G.I. Bill funds. “Typically in order to get into cybersecurity we say you need three things: education, certification and experience,” Laughman said. “Typically the soldiers have two of the three but they don’t have all of them. This transition program allows them to … fill in whatever extra needs they have to get into cybersecurity.” Competition to enter CCP is high: Laughman said the program received 150 requests for applications from Fort Carson, and about half of those who made it to the interview round were accepted. “I’m grateful to be here because they’re not just taking anybody — with SecureSet I was really able to grab on and fight for it,” said Bill Gnerlich, a CCP student and infantry team leader whose interest in cybersecurity stemmed from a previous role as an IT specialist in the Army. “My education from the military equates into two years of IT experience, but getting out there’s not a high demand for information technology or computer science. But cybersecurity’s growing like crazy,” he said. “So transitioning out of the Army into cybersecurity, I can either go the civilian route or back in [the Department of Defense] and still make quite a bit of money and have a secure job for my family.” Gnerlich said he chose CCP because it combines education, essential certifications and hands-on experience at high speed. “Typical colleges are four years but with cybersecurity the demand is so high right now, that after four years whatever you started learning is not going to be the same,” he said. “A lot of colleges don’t offer what See Secure page 31

6 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

Financial perks help attract, retain employees By Bob Stephens

iring great employees (and keeping them) can be a challenge for many business owners. One way to attract top-level talent is to offer outstanding benefits, which can include affordable health insurance, company sponsored life insurance, a pension plan or a matching 401(k). Not all companies can afford to offer those kinds of perks, but they help make employees feel financially safe. “It’s my experience when people feel financially secure and appreciated, they’re more productive and more effective at work,” said Suzanne Wells, the medical and health services manager for Neurofeedback Colorado Springs. Wells said she’d been considering adding a 401(k) to the employee benefits package and was convinced to move ahead after attending a breakfast meeting hosted by Merrill Lynch Vice President Mike Law. Still, she had to pitch the idea to Dr. J. Blair Cano, owner of the medical clinic. “She liked this decision from an employer standpoint,” Wells said. “The biggest question is always, ‘How much is this going to cost me?’ We were both surprised to find out it’s not that much. It depends on which options you choose, but there is flexibility.” Neurofeedback Colorado Springs has eight employees after adding five in the last year. “I worked at USAA and we had amazing benefits,” Wells said. “Financial perks like a 401(k) are important considerations when you’re talking about compensation packages. After salary and health care, it might be the next most important. I think a 401(k) is considered a fringe benefit, but it can be a persuasive benefit when you’re hiring.” Wells said that Cano initially considered giving a pay raise to employees. “But she’d have to pay employer tax and the employee

would have to pay income tax so both would lose money,” Wells said. “Whereas if you put that same money in a 401(k) match for the employee, they get all of it and the business owner saves money on taxes.” At what point should a small business consider adding a 401(k) program? Ben Harvey, a wealth management advisor for Northwestern Mutual and principal owner of The Harvey Financial Group, said a company usually wants to have about $500,000 in payroll expense before implementing a tax-deferred 401(k) program. “That seems to be the critical mass where business owners tip over when it comes to a 401(k),” he said. “We’ll see some do it with less, but that seems to be the point where you get enough bang for your buck to swallow up administrative costs.”

PENSION PLANS HAVE DISAPPEARED Law, the wealth management advisor for Merrill Lynch, said the 401(k) has essentially replaced the pension plan previously offered by many companies. “The old pension plans were all defined benefit plans, a cash balance plan,” he said. “Those are gone because of the enormous costs. As companies got more employees and paid higher salaries, it cost more. The 401(k) became popular because they wanted to throw more responsibility back on the employee.” Some businesses offer a 401(k) where employees can contribute part of their paycheck prior to taxes to their own retirement, but without a company match. Others will offer a match. “We’re going to match between 1 and 3 percent to start, and hope to increase that as time goes,” Wells said. An alternative to a 401(k), Law said, is a Savings Incentive Match Plan for Employees Individual Retirement Account — or SIMPLE IRA. “It’s payroll deducted and costs less — there are no real administrative costs,” he said. “A lot of smaller

businesses start with that and graduate to a 401(k). Others start with a 401(k) but can’t afford to match, then later get to the point where they add the match.” BombBomb, which provides a video email marketing platform for businesses, has doubled its staff in the last year to about 110 employees. BombBomb offered a 401(k) when People Director Lindsey Kirchoff arrived nearly a year ago. Now it plans to expand that program. “We know that the market for talent is competitive,” Kirchoff said. “It is our goal to provide a premier benefits package to BombBomb employees. What’s important to our employees is important to us. Enhancing our 401(k) is critical in our efforts to attract top talent to BombBomb.” Most employees have trouble saving money, and a 401(k) helps with that, Law said. He also touts the benefits of a financial wellness program for Merrill Lynch clients when he meets with that client’s employees. “People say they can’t afford to save a dime for a 401(k), but how many of us have 250 cable channels and watch 10 of them, and spend $140 a month when it should be a lot less?” Law said. “We talk about income and outflow and give tips for financial prudence.” BombBomb offers a number of fun perks — like a company-catered lunch every Friday — but also provides a work anniversary gift, the opportunity to volunteer at a local nonprofit on company time, life insurance, paid covered parking and more. Still, Kirchoff said expanding the 401(k) program is crucial. “Most small businesses think of a 401(k) as a big corporation type of perk,” Wells said, “but I think that’s just due to a lack of information on their part. Small business owners are really busy and have a lot to take care of, but if they knew what the benefits are and how little it costs, I think more would offer it.” CSBJ Editor’s note: BombBomb provides email services to the Colorado Springs Business Journal. n

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Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

ONE-ON-ONE

Burchfield fosters relationships through experience By Audrey Jensen

ich Burchfield followed in his father’s footsteps when he became the chief defense development officer for the Colorado Springs Chamber of Commerce & EDC in late July. Burchfield and his dad both served in the Air Force, and have now both worked for a chamber of commerce. After serving for nearly 30 years and then working in the defense industry for 17, Burchfield said he is now at his dream job. In his new role, Burchfield is responsible for leading, maintaining and supporting relationships with the military and the community, as well as advocating for military installations and defense companies in the Pikes Peak region. He moved to Colorado Springs in 1995 and married Debbie, a Springs native who is a teacher at Skyway Elementary. Burchfield lives with his wife and two daughters in Colorado Springs. His 27-year-old son also lives in the Springs with his own family. Burchfield spoke with the Business Journal about his role at the chamber and the defense sector. Why did you start working at the chamber? When you’re in the military and you’re working with all the different services, we call that ‘joint’ or ‘purple.’ Air Force blue, Army green, Coast Guard blue, Navy khaki — [when you] bring it all together … that’s what [this job] represents. The idea that I can stay engaged with the arena I grew up in, … contribute on a local scale and still use some of those national connections I have — I don’t think there’s a more satisfying job. It’s just cool to contribute to your community. When you see little things that happen, it doesn’t matter who gets the credit, but to know you’re a part of it … that truly is at the center of why I love this job. What challenges is the defense industry facing right now? A challenge is making sure ... [that] we are doing everything we can to support Fort Carson to support its families. That’s a big deal. When one of the people in the family is gone, it changes the dynamic. That’s a big one. … Are we doing everything we can to support those families who are here in town? Because they’re part of our community. How do you approach this challenge? It’s relationships with the installation leadership, to understand the programs they have in place and then ensure they know, and that their staff knows, what Colorado Springs has for [military families]. It’s very possible families don’t know about Peak Military Care Network, the services they provide, or Mt. Carmel. On a peak month we have anywhere from 500 to 600 people in town, between the installations, leaving active duty. Statistics are showing about 70 percent [of non-active duty] want to stay in Colorado Springs. That’s a huge influx to the workforce, and there are programs in place helping folks transition. ... A lot of spouses have [also] put their careers on hold supporting their spouse through the military and they’re ready to get at it, and what we’re seeing here in town and at the bases, they recognize that and they’re creating these programs that give them the chance to get a springboard back into the workforce. … Say [there are] 400 people that month who are separating and retiring from active duty, you can add a quarter or 50 percent more because of their spouses, and they want to stay in town. What that can do for our workforce growth can be tremendous. What other impacts does the defense industry have on the Colorado Springs economy? Over 40 percent of our economy is driven by the dollars generated from defense. … And it’s amazing how much [service members] give back. They’re involved in a lot of community outreach programs themselves. In most military organizations, that’s something we strive for and say OK, we’ve got to give back. I think this is important because what this tells me, as a guy who’s been living here since 1995, is these are my next door neighbors. They wear a uniform, we wear what we wear, but they’re our neighbors. … You can go up to the academy, they were helping recovery from the Waldo Canyon fire, cadets just giving up their own time. What advice would you give other professionals in defense? Continue to stay engaged in the community. It’s everything from our kids who are playing youth sports, to volunteering, to helping out with Veterans Day parades or however you contribute. … It doesn’t matter if you’re in the defense industry or not, continue to stay engaged and create community. Goodness comes from that. CSBJ

RICH BURCHFIELD They wear a uniform, we wear what we wear, but they’re our neighbors.”

Photo by Audrey Jensen

8 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

YOUNG PROFESSIONAL

Kurian works first U.S. job in Springs By Audrey Jensen

sha Kurian works at Tek Experts, a global business and IT outsourcing company with a location in Colorado Springs. But she is more than just a sales assist generalist at the 7-year-old Bulgaria-based company. Kurian moved to the U.S. from Coimbatore in south India, where she received a degree in fashion technology from Kumaraguru College of Technology in 2011. She worked as both a procurement analyst and business analyst while in Coimbatore, then married and moved to Bloomington, Minn., four years ago to follow her husband’s career. When faced with a decision between moving to California or Colorado three years ago, the couple chose Colorado Springs. Kurian has worked at Tek Experts, her first job in the U.S., for a year, where she is responsible for analyzing client reports, investigating, and resolving contract entitlement and licensing issues. In addition to working her first U.S. job, 28-year-old Kurian operates an e-card greetimg card company called Happy Carrot with her sister in India, and has also launched her own clothing designs in her home country. Kurian spoke with the Business Journal about working in the technology industry in Colorado Springs. Why engineering? I’m Indian — you either become a doctor or an engineer. Those are the two roles you have. That’s just the way it is. In 10th grade you have to decide your future, so you have to decide if you want to go into medicine or want to go and do anything else. [I went into] engineering because my father did engineering. … My friend is a standup comedian, but she’s also an engineer. You have to do the engineering passage of adulthood or rite of passage … and then you do whatever you want to pursue. It’s just a culture thing. What do you like about working in Colorado Springs? I’ve been in major cities like Chicago and San Francisco, but nobody really cares [about you]. You cross the road and somebody is on their phone because their life depends on it, but here you will be standing at the grocery store and somebody actually talks to you like, ‘Hey, do

you think this is good?’ or ‘Did you watch the Broncos yesterday?’ I like the people, I like the culture and everybody’s just kind of accepting of others. Nobody’s trying to be like, ‘Oh, I’m more important than you.’ What should Colorado Springs do to retain young professionals? There are a lot of opportunities for people like me in Colorado Springs, and I don’t understand why people move all the way to Denver and other places where it’s more expensive, but you could just stay here … where there are actually opportunities. More companies like Tek Experts should come out or we could expand, which we are. I’m talking about global companies, which means there [would be] more diversity. … More global companies with more global outreach, which means we would have more different kinds of jobs. When I came in initially and I was reading up on Colorado Springs … [it’s] defense or military based, so [I thought] if you had to find a job you had to have a military-based situation, but that’s not how it is. … Colorado Springs is never looked upon as a city that’s friendly for non-military families, but it actually is. … Maybe that should be changed a little bit. What challenges face the technology industry right now? Within Colorado Springs, I know we have a lack of analyst roles, but that’s why you see a lot of people who are moving to San Francisco or New York, because they think analyst roles are things that only come up in that kind of big city. It’s initially portrayed as: If you want to get an analyst role or a technology-related role ... [there’s] going to be less in the Springs and more in Denver. But I see there’s a change. We have Lockheed Martin … but we actually have [other] companies where you can have opportunities even if it’s technology-related, analyst-related … but it’s never portrayed, it’s never out in the open. What advice would you give to other young professionals? Don’t stick to the background that you have. If you’re interested in something, always go for it. You’re going to get ‘no’ a couple of times, it doesn’t matter. I got into this, and I did my work in fashion technology and engineering and I’m an analyst now. … If you think you’re really good at something, go for it. CSBJ n

Photo by Audrey Jensen

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Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

Arts Month Feature The venues

Photo by John Hazlehurst

The $70 million Ent Center for the Arts is expected to open on North Nevada Avenue in January.

Center to have impact on economy

By John Hazlehurst

he $70 million Ent Center for the Arts at UCCS will open in January 2018. It is projected to have a significant impact on the local arts community — but it will also have an economic impact. Is it possible to quantify the center’s economic impact in the usual terms — i.e., jobs created directly and indirectly, projected number of visitors from out of state, and estimated annual rate of growth? “You can do that,” said UCCS Economic Forum Director Tatiana Bailey. “You can calculate direct impacts — how many people will work there, how many people worked during its construction and whether the construction company is locally owned. You can also consider indirect effects — for example the impact on the caterers who might service events. You can measure induced effects as well, but that’s all intangible.” Those effects could include faster student growth at UCCS, and associated economic impacts such as more campus construction and more faculty hires, but it might be difficult to isolate such impacts. “You’d have to survey incoming students, and ask them why they came to UCCS,” Bailey said, “and you might also find that Ent would have an impact on faculty [recruitment].” Andy Vick, who directs the Cultural Office of the Pikes Peak Region, said Ent will have a real impact on regional economic and cultural activity. “It will create a new cultural hub for northern Colorado Springs,” he said. “That could be catalytic, bringing audiences that might not be comfortable going downtown for performances.” COPPeR notes on its website that the nonprofit arts and culture sector is a significant industry in the region — one that generates $153.3 million in annual economic activity. Spending — $51.2 million by nonprofit arts and cultural

organizations and an additional $102.1 million in event-related spending by audiences — supports 5,070 full-time equivalent jobs, generates $100.8 million in household income and delivers $15.9 million in local and state government revenue.

THE CENTER UCCS describes the Ent Center as a “transformational five-venue center; an innovative collaboration involving the university, six community arts partners and three local school districts.” Like the 1936 Colorado Springs Fine Arts Center, the 1982 Pikes Peak Center for the Performing Arts and the 2009 Edith Kinney Gaylord Cornerstone Arts Center at Colorado College, the Ent Center is conceptually and architecturally ambitious. The Ent Center is situated on a spacious tract of rising ground on the western edge of the UCCS campus. The building is oriented to the west with uninterrupted views of the city, the foothills and Pikes Peak. Ent’s silvery curved façade contrasts with the craggy surfaces of Pulpit Rock to the north. Funded by $27 million from the state, $10 million from the Colorado University Office of the President, a 15-year naming agreement with Ent Credit Union valued at $12.6 million and private contributions from foundations, businesses and individuals, the Ent Center’s $70 million construction budget is more than twice that of the $33.4 million Gaylord Center. The building includes five separate venues, as well as offices, classroom spaces, dressing rooms, rehearsal spaces and loading docks. Outside, a lawn gives way to terraced gardens and dedicated outdoor sculpture spaces that will complement the building. An abstract steel sculpture by Colorado artist Linda Fleming has already been installed southwest of the center, and five artworks by three different artists will soon join it. CSBJ n

• The 780-seat Shockley-Zalabak Theater includes highly sophisticated HVAC, lighting, acoustic and stage technology. “The sound feels alive,” said Kathleen Collins, who helped create the Pikes Peak Center four decades ago. “I think it’ll be fine — unless you get acoustics right in the beginning, you can’t really fix them. And 780 seats is the sweet spot between the FAC and the Pikes Peak Center — we’ve been waiting for this since 1982.” • The 252-seat Chapman Foundations recital hall has its own HVAC and electrical systems, and is designed to be one of the highest-quality acoustic spaces in the region. And if a performer requires a Steinway Concert Grand piano, there’s one backstage, ready to roll out on demand. • The Dusty Loo Bon Vivant Theater is a flexible 300-seat “black box theater,” soon to be home to TheatreWorks. It’s designed to permit multiple performance configurations, and includes a large, partially trapped floor that, according to the facility’s website “allows sets to be raised or lowered from below, while the theater’s rolling gantry allows lighting and sets to be positioned without the use of ladders or stage lifts.” • The Osborne Studio Theater is a 130-seat academic space for the use of the University’s Visual and Performing Arts Department. It will be the main performance venue for the UCCS Theatre and Dance Program. It’s another “black box,” equipped with a professional control booth and multiple performance configurations. • The Marie Walsh Sharpe Gallery of Contemporary Art will replace the 1981 GOCA Centennial Hall facility. The 2,600-square-foot “white cube” gallery isn’t much larger than its predecessor, but it’s equipped with stateof-the-art humidity and security controls, a dedicated loading dock, ceiling strong points and strengthened floors and walls. “We can borrow art from anywhere,” said GOCA Director Daisy McGowan, “and do installations that we couldn’t have attempted before.” And while the Colorado Springs Philharmonic will continue to present most concerts at the Pikes Peak Center, the Vanguard series will be presented at Ent, beginning with a performance of Leonard Bernstein’s “Serenade” Feb. 17-18.

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SMALL BUSINESS

Maddoxes make thunder in Palmer Lake

By Bryan Grossman

Taikos.com

tanding in his packed manufacturing space along the railroad tracks in Palmer Lake, Jesse Maddox recalls, as a child, receiving the just-released Nintendo Entertainment System for Christmas. He wasn’t impressed. “The first thing I did was take it to a pawn shop and trade it for a guitar,” Maddox said. Maddox, who now owns and operates Taikos.com with his wife, Carla, grew up in an artistic family. His parents lived on a ranch near Dallas and they would put on several music festivals throughout the year. “The largest one we did was 150 bands, two stages back-to-back,” Maddox said. “It was a whole weekend with people camping.” He grew up around music, thanks to his mom and dad. His father, Michael Maddox, is executive director of the Tri-Lakes Center for the Arts in Palmer Lake and, today, the whole family helps out at the company, which manufactures handcrafted Japanese-style taiko drums.

Established: 2003 Employees: 2.5 Location: 579 County Line Road (Palmer Lake) Contact: 719-297-1171; taikos.com

CHANGE OF SCENERY Fourteen years ago, Jesse and his immediate family decided to get out of the music festival business and look for a change of scenery. “The work involved in that was pretty significant, and we decided we wanted to move to Colorado and slow down, but that didn’t happen,” Maddox said. He’d always been fascinated with building hybrid instruments and had an interest in Middle Eastern and African percussion. “There were a lot of opportunities in Dallas to learn different types of percussion,” he said. “Middle Eastern percussion became a passion for a while. Rhythmically it was pretty intricate.” At some point, Maddox attended a show at Southern Methodist University, which would frequently host world music acts. “They brought in a band called Kodo. When I saw Kodo, they were sort of the preeminent taiko group,” Maddox said. “There were five guys in a line across the stage. They were synchronized so perfectly it could have been one guy and a mirror. “That was my first exposure to taiko. … It was unlike anything I’d ever seen before,” he said. “It captured the rhythmic intricacies that I really liked about most world percussion styles and kind of married that with a stage presence, a form and a mastery of technique that was required to perform what they played. It set me on a different path.” Maddox said his fascination began in a pre-Google world, but he was able to track down a couple of manufacturers in the U.S. He lost hope when they said the wait time was more than a year.

“

Photo by Bryan Grossman

Jesse Maddox plays one of the taikos he created. Taiko means “drum” in Japanese and the art has been around for centuries.

So he decided to build a drum himself. “I made a taiko for a recording I was working on and somebody saw it and bought it when we were done,” he said. “That became an accidental business for us. Taiko chose us. “We made one, so we made two. We made two, so we’ll make four — then 30, now hundreds. Thirteen years ago, this became our main business.” And business is good. For the first five years, Maddox said they did about 70-80 orders a year some of which included multiple drums. “Our last order was for 12 drums,” he said. This year the company will manufacture about 140 orders. “We’re on track to triple what we did last year,” he said. Maddox attributes the steep curve to growing awareness of taiko, something his company has directly impacted. Taiko.com has created drums for pop superstars Imagine Dragons and even manufactured an electronically triggered taiko that makes different sounds for rock legend Metallica. Despite such high-profile jobs, Maddox said his company hasn’t really spent anything on advertising. In fact, the company just hired its first part-time employee a year ago. Everybody at Taikos.com wears different hats. Carla

sews drum heads, keeps books, helps with online promotions and answers emails and phone calls. “There are some processes of crafting the taiko that she’s good at, so she does some of those as well,” Maddox said. “My mom, who just turned 66, helps move the drums and condition the drum heads. I can trust the work she does because she’s also an artist and values quality. “I like the idea that my family is involved,” he said. “Growing up in an artistic household, my childhood was maybe different than most. But I have a really close connection with my family. Family is important and luckily we all thrive in an artistic environment.” In addition to crafting drums, Taikos.com offers classes two days a week and advanced groups play shows throughout the region. The smallest drums, at 16 inches, go for about $500, Maddox said. The largest drums, which are 6 feet in diameter, will set you back $12,000. And while the art is about 500 years old, there’s still room for innovation, Maddox said. “Because it’s so physical, people ask if we get hurt playing them,” Maddox said. “We say no, we get hurt moving them. “We’re in the process of figuring out how to make them lighter and use the same materials,” he said. “We’re not there yet, but we’re hoping to cut down their weight by 80 percent.” CSBJ n

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BY THE NUMBERS

THE GLOBAL COSTS OF CYBERCRIME According to the International Data Group’s “Global State of Information Security Survey 2016,” the financial hit resulting from the theft of trade secrets can range from 1-3% of a nation’s GDP.

The Ponemon Institute’s “2016 Cost of Data Breach Study: Global Analysis” queried 383 organizations that suffered at least one breach last year. The average cost per breach was $4 million. That figure is $7 million in the U.S.

The Ponemon Institute’s study showed the cost per stolen record was $158 globally and can be more than $220 in the U.S.

Organizations in the health care and financial service sectors have the highest cost per breach.

Cybercrime globally will reach a cost of $2 trillion by 2019, three times the cost in 2015.

IDG detected 38% more cybersecurity incidents in 2016 compared to 2015.

According to Keeper Security’s “The State of [Small and Midsized Business] Cybersecurity” report, half of organizations with between 100 and 1,000 employees reported a cyberattack in 2016.

Cyber insurance spending has increased, primarily domestically, from $1 billion in 2014 to $2.5 billion last year.

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

Pueblo Business News

L3 Doss Aviation to expand Pueblo business, economy By Audrey Jensen

ueblo will see increased economic impact from L3 Doss over the next decade, thanks to a $2.9 million grant from the city of Pueblo and the renewal of a 10-year pilot training contract with the Air Force. A military flight training facility located next to the Pueblo Memorial Airport, L3 Doss is expected to bring a total of 192 jobs to Pueblo by 2020 and will expand the number of pilots trained at its Pueblo facility. L3 Doss trains all Air Force aviation candidates in preparation for follow-on flight training at an Air Force Undergraduate Flight Training location. The city of Pueblo granted L3 Doss the funds in exchange for 62 additional jobs. The money will go toward $7.5 million in expansions and capital improvements and provide full-time employees with an average annual salary of $54,000. The government contribution will also help update planes and equipment used for training purposes.

Photo courtesy of L3 Doss

L3 Doss anticipates training 17,500 pilots in the next 10 years due to a $2.9 million grant from the city of Pueblo and a renewed Air Force contract.

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PUEBLO BUSINESS NEWS

Doss: $50 million in annual sales expected this year “It’s a big deal for the Pueblo community.” — Paul Walker From page 13

“It’s a unique project where you have a company that lives and breathes on one contract,” said Jeff Shaw, president and CEO of the Pueblo Economic Development Corporation. “This is an opportunity to increase their employment count as well as partner with them to keep the project in Pueblo.” According to Mark Lester, vice president general manager for L3 Doss, the process to renew the Air Force contract was competitive; three companies from Texas, Alabama and Florida also bid. “[If] another competitor came in … Pueblo would lose out on 200 jobs,” Lester said. “[Initial Flight Training] operations would cease to exist if that occurred.” In the 2006 grant from the city, L3 Doss was expected to provide 121 jobs by 2016, and that’s increased to almost BETTER CARE. AT YOUR FINGERTIPS. 200, said Lester. “We’re very confident that we’re going to be meeting that number before Photo Courtesy of L3 Doss April 2020,” Lester said. “The growth L3 Doss will continue to serve as a gateway to Air Force aviation and will improve Pueblo’s economy with 62 new jobs expected to be added by 2020. has already started to occur. We are

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Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

PUEBLO BUSINESS NEWS actively hiring more certified flight instructors.” L3 Doss is also expected to generate around $50 million in annual sales by the end of 2017. The Air Force’s contract, worth $280 million, is an important asset to the community, Shaw said, adding that L3 Doss jobs create additional employment in and around the Pueblo community. “[For] each job Doss is creating … with their pay scale and the impact it has on the community, it’s probably creating two [additional] jobs,” Shaw said. “Any company that’s employing primary jobs — we’re going to do whatever we can to keep them and grow them.

“[L3 Doss] will maintain the employment it had, it will increase the employment count … you’ll have the 10 years of tax revenue come in from real estate, you’ll have the employees spending money in the community [and] you maintain a high traffic count at the airport, which accounted for a large majority of our airport activity,” Shaw said. In the last decade, L3 Doss trained and graduated 14,665 aviation students and commissioned officers, according to Paul Walker, IFT program director. “Once they graduate and successfully complete our program, then they go on and complete the next level of

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flight training, navigator training or RPA, then they become operational,” Walker said. “That’s what we’ve done in the last 10 years.” Through the new contract, Walker said he anticipates L3 Doss training up to 17,500 aviation students by 2027. “It’s a big deal for the Pueblo community,” Walker said.

DOSS AVIATION Formerly known as Doss Aviation, L3 Doss was purchased in September by L3 Technologies, a global aerospace and national security company headquartered in New York. Through the Air Force contract, L3

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Doss will provide ground and initial flight training to U.S. pilots, combat systems officers, remotely piloted aircraft pilots and international military students, which is a new addition to the training program. Training international military students from ally nations is necessary, Walker and Lester agreed. “Training with our allies in all the military services is very important,” Walker said. L3 Doss training facility in Pueblo is known as the gateway to U.S. Air Force aviation, said Lester and Walker. “Pueblo has a long history of military flight training, dating back to WWII and training aviators then,” Lester said. “Now with the IFT program we continue that heritage. “I think this is a really good cultural fit to the region — from an economic perspective, not only the base, the operation is centered at the Pueblo Airport, we’re using 12 auxiliary fields around Pueblo.” According to Shaw and Walker, Pueblo City Council approved the funding for the pilot training facility in a 7-0 vote after PEDCO recommended it go to L3 Doss. Pueblo has a half-cent sales tax that funds the attraction and expansion of new businesses, Shaw said. The $2.9 million came from an $8 million fund generated through that voter-approved tax. CSBJ n

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Colorado Springs Business Journal

China: Partnership rules

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can be difficult to navigate From page 1

they can do the manufacturing. And this is where the hook is. “Once you establish that partnership … they bring your technology and the manufacturing to China and the relationship’s great for maybe a couple of years. When they get all your technology, all your secret sauce, they’ll dissolve the partnership and basically they’ll own all the technology that they funded.” The technology may have been developed in America by Americans, Murray said, but “because of the [Chinese] partnership they now have all the golden eggs and the goose as well.” The American partner is “basically out of their own technology, they no longer have a niche — economically it can put them out of business, and there’s really nothing legally they can do, because they partnered with China,” Murray said. Customer relationships can also be fraught with danger, as American Superconductor discovered. The company, which developed advanced software to regulate electricity flow to wind turbines, was nearly destroyed by its biggest customer — Chinese wind turbine manufacturer Sinovel Wind Group. In 2011, the Massachusetts-based American Superconductor discovered Sinovel had bribed a Serbian employee at the company’s Austrian location to reveal source code for the core electrical components for Sinovel’s wind turbines, Forbes reported. The employee, one of just a handful of peo— Shawn ple with access to the codes, was swayed by a small bribe of 15,000 euros (about $17,700). As soon as it had the codes, Sinovel cut ties with American Superconductor and refused to pay for contracted shipments, including those it had already received. Sinovel accounted for 70 percent of American Superconductor’s revenue. Stock prices plummeted on the news, and American Superconductor has brought multiple civil actions in the Chinese courts, with monetary damages totaling more than $1 billion. All have been dismissed — the most recent, in the Hainan Higher People’s Court, cited “lack of evidence.” Sinovel pulled off a stunning case of intellectual property theft and economic espionage, but as attorney Michael Martensen warns, too often intellectual property isn’t stolen — it’s given away. Martensen, a patent attorney with Springs-based law firm Martensen IP, said startups and other companies looking at the international stage should be warned that international intellectual property laws differ in important — and

potentially devastating — ways. The U.S. is one of a handful of countries that uses “grace periods” for disclosure of an invention in its patent system. This means if an applicant files a patent application within 12 months of publicizing the invention, the earlier disclosure does not invalidate the patent application. The grace period has existed in U.S. patent law for more than 70 years, and many inventors and firms don’t know it doesn’t apply internationally. “If you announce, disclose, offer for sale, use — all the same things the United States gives you a grace period for — as soon as you do that internationally, the rights are gone … and you can no longer claim any personal right or corporate right to that idea,” Martensen said. Even disclosure in the U.S. is considered worldwide disclosure. “So disclosure is a big deal for patents internationally and [companies] often do stumble in it, and then they realize ‘I want international rights,’ and it’s refused,” Martensen said. Non-disclosure agreements can help, but Martensen cautioned that rules differ even among countries that are members of the World Intellectual Property Organization. “They try to align the rules with respect to patents and trademarks and copyrights so that as companies do international trade, the rules are essentially the same,” he said. “But every country is a sovereign nation, they will examine every patent, trademark and copyright individually, and you can imagine the rules are not quite the same; Murray there’s always a little bit of difference.” Another thing to remember: The wheels of patent systems turn slowly everywhere. “Conservatively, [when] an inventor or a startup in the United States wants an international portfolio, we may not find out until three to four years later that it’s going to be rejected in Europe or in Australia because of a prior disclosure,” Martensen said. “It’s money spent. You can’t recover the money. For a little better planning and understanding of what the rules are, they could have precluded a lot of this — not [only] the cost, but also the gaining of the rights internationally.” Ultimately, not many companies are well positioned to establish robust international portfolios, in no small part because of the expense. “It can be hundreds of thousands of dollars,” Martensen said. “You can take a U.S. portfolio and add a zero to it, sometimes, if you want to have it internationally.” Many companies think an international portfolio will make them more

“When they get all your technology, all your secret sauce, they’ll dissolve the partnership.”

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

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attractive as an acquisition, and with the right international product and the right acquiring company, that can be true. “But that’s not always the case, and you can spend hundreds of thousands of dollars to develop an international portfolio and not get your realization of that income. It is definitely a huge business decision whether or not you want to file for that international portfolio or international protection,” Martensen said. Because decisions on U.S. patents and international patents must be made simultaneously, companies would ideally plan intellectual property protection well in advance. “But for most startups cash is king —

they want to keep the lights on, pay the rent, pay the employees, and they think [patents] are luxury items that they can put off,” Martensen said. “We typically walk before we run, so we identify their core intellectual property and try to protect that as much as we can. We try to protect the fundamentals — maybe the U.S. market first, and then think about these other things.” And not everyone needs international patent protection. “There are reasons to have them, reasons not to have them,” Martensen said. “There are strategic advantages in both, and you have to make informed decisions.” CSBJ n

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ELECTRICRITTERS AT THE PUEBLO ZOO LATE NOV-DEC

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

Spon

sored

or three years, the Colorado Springs Business Journal has celebrated the region’s Fastest Growing Companies — those companies that have shown noteworthy growth in both revenue and employees. This year, the response from local companies was phenomenal. We had a record number of nominations and the decision was tough for our panel of impartial judges. We are pleased to present 10 awards this year to companies that have seen growth ranging from 50 to 764 percent year-over-year. And while there are some familiar faces, there are some that will come as a surprise. And that’s the goal of these awards — to honor and celebrate the people and businesses that contribute to economic prosperity in southern Colorado. For many years, the community has recognized the need to support and grow local businesses and entrepreneurs. The support comes through the work of the Small Business Development Center, the Colorado Springs Chamber & EDC, Peak Startup, Downtown Development Partnership, SCORE, Catalyst Campus and many others. Through mentorship, networking opportunities and educational programs, these organizations help create a welcoming and supportive environment. The Business Journal and our sponsors are proud to recognize the group of businesses that are leading the way in providing new jobs and investments. This year’s nominees come from technology, retail, hospitality and entertainment — all are locally grown and all are developing Colorado Springs into the kind of community where we want to live, work and play. In these pages, you’ll read about the winners — and what helps them succeed. We want to shine a light on these companies to create pride and recognition for the entire Pikes Peak region. Thank you for being part of the celebration, supporting the entrepreneurs and helping our region become a leader in new business startups. Amy G. Sweet, Editor & COO

Nominees 365 Grand Club and Properties Apogee Engineering LLC Axe and the Oak Distillery Cherwell Software Colorado Computer Support Colorado Springs Orthopaedic Group Commercial Insurance Group Diversified Association Management Kairos Coffee House Lee Spirits Company Mortgage Solutions Financial Murray Security Services Peak Dental Services PeakMed Colorado LLC Peak Structural Inc. Revolution Jewelry Works SocialSEO Wilklow & Associates CPA

Committee Justin Burns Chris Cipoletti Jonathan Liebert Chris Long Aikta Marcoulier Blake Schwank Becca Tonn

Jenn Cancellier Melissa Edwards Tammy Fogall Bryan Grossman Jeff Moore Amy Sweet

20 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

Process, like bourbon, ‘remarkably smooth’ Axe and the Oak Distillery buys its corn and rye from a Hugo, Colo., family farm, sources its water from the Rocky Mountains, and grows its team organically. The multi-award-winning distillery is led by four friends — Jason Jackson, Casey Ross, Eric Baldini and Scott White — who joined forces to create a handcrafted signature bourbon. When bottles first went to market in November 2014, Axe and the Oak had one full-time employee. They now have 11, and Ross says the process has been remarkably smooth. “We started by hiring a couple of friends that had worked in the industry, who were really well known in the industry, especially here locally. Then a lot of the people we’ve hired after that have been friends of friends, so that’s kind of how we formed the team,”

he said. “We’re really grateful at how it’s worked out because we haven’t had to go out and dig and interview a bunch of people that we don’t know. It’s come kind of naturally.” Ross credits the “really good quality people” at the distillery and at Axe and the Oak Whiskey House, which opened at Ivywild School in 2016, as a major part of the company’s success. The other element is Axe and the Oak’s bourbon recipe — “it’s been huge,” Ross said. The distillery has taken silver medals at the San Francisco World Spirits Competition, the North American Bourbon and Whiskey Competition, and the Denver International Spirits Competition, and was awarded Colorado Whiskey Distillery of the Year in the 2017 New York International Spirits Competition.

Ross says Axe and the Oak keeps its employees engaged by “doing a lot with new products and trying to keep things fresh. “As distillers, we know bourbon; they know cocktails. So we try to give them a lot of freedom behind the bar to do their thing,” he said. The distillery followed its bourbon with an award-winning moonshine and will release a rye and a coffee liqueur next year. The Springs has been good to them, Ross said. “Doing business here, especially now — the last five years it’s really popped and there’s a lot more coming,” he said. “I would say especially to a new business, keep it going. Keep it going here in the Springs because there’s so much happening.” — Helen Robinson

Cherwell helps those in IT find happiness Cherwell Software is a leading creator of IT service management tools, primarily focused on enabling IT teams to implement, automate and modernize their services. “In IT you run across dozens or more applications from different vendors with very little tie-in or integration,” said Scott Gainey, Cherwell’s newly appointed chief marketing officer. “That requires oscillating between different environments and control points, which is mundane and exhausting work. Cherwell came from the simple idea that there’s a better way to do this. It creates automation and stitches together a common workflow so IT workers can accelerate through otherwise mundane tasks with less effort and error.”

Gainey said Cherwell essentially frees up IT teams by providing better automation and workflow, “so they can look at how they can support key business initiatives and become more strategic in their organizations’ growth. It’s known to improve job satisfaction in IT.” Besides being linked to the growing IT market, Cherwell software is also agile enough to be used for a broad and eclectic assortment of tasks. “Our enterprise service platform is very adaptable,” Gainey said. “It has 200 different applications on the platform, to manage anything from parking structures to distribution supply lines, hospitals and education. People see this platform in use in one place, and that it’s highly portable, so it’s being

used in many other types of arenas. “If you think about how many systems and applications it takes to do something like onboard an employee, that’s account credentials, ordering laptops and phones, benefits enrollment, payroll, etc. It’s seven or eight applications per hire, and that’s a lot of potential time savings,” he said. Cherwell has expanded rapidly in the last few years, from about 250 to more than 500 employees. This growth has attracted a leading global investment firm, Kohlberg Kravis Roberts, which recently invested $50 million in Cherwell. Gainey noted that KKR started by looking at about 1,500 companies, and whittled it down to five. — Hannah Caproon

CCS innovates for customers, company Colorado Computer Support, a three-time Inc. 5000 award recipient, currently provides IT services for about 100 clients, many far beyond the stretch from Denver to Pueblo. CCS also does business in Arizona, Florida and Oregon. Small to medium-sized businesses, either with an existing IT team or without, rely on CCS to assist in keeping their network running, planning for IT expenses and strategic planning. “Oftentimes, businesses don’t understand how costly IT issues are, whether it’s a short network outage, software integration issue or outdated hardware. We offer call center and in-person support to keep businesses’ IT working smoothly,” said Blake Schwank, CEO. “But for us it’s not just about understanding the ins and outs of the rapidly changing technological landscape, it’s about the big-picture impact, the ongoing costs to customers and the opportunities for improvement they might not know are possible.”

“We worry about what makes clients successful,” said Schwank, when speaking about what contributes to the success of the business he started with his wife, Christie, in 2001. Including the 10 full-time employees providing onsite support to the Falcon School District, CCS has 37 full-time employees. A help desk team resolves about half the issues, while teams organized by verticals, primarily health care and education, typically tackle more complex problems. This year, CCS hired the former chief information officer of Widefield School District 3 as its director of education technology services. “There’s been no more critical time than the present to have expedient data access and data security,” said Schwank. “And with tech changing so quickly, especially in education and health care, it’s important to make sure we have the right people in place

to support our customers.” A small wooden coffin, memorabilia from a now-defunct technology firm, sits on Schwank’s desk as a reminder to keep innovating. “It’s difficult for small IT teams to stay up-to-date on technology, to stay trained up, while dealing with day-to-day IT issues,” he said, adding CCS sends employees to relevant training programs and supports them in exploring innovative technology. “I don’t think it can be overstated how important it is to get out of your bubble, and I think that’s how we’ve maintained 20- to 30-percent growth year over year. We have business coaches, explore what other companies are doing, teach each other and learn from each other. It’s so important to keep looking forward.” — Hannah Caproon

Lees raise spirits in Colorado Springs Cousins Ian and Nick Lee opened the gin distillery, Lee Spirits Co., in Colorado Springs in 2013 — and the party hasn’t stopped since. Along with its speakeasy-style tasting room, Brooklyn’s on Boulder St., Lee Spirits pulls in nearly 20 times the revenue it did in 2015, making it one of the Fastest Growing Companies in the city. “As the craft spirits market space was just starting to grow, we did a bunch of market research and realized that it was about to pop, so we got in on the ground floor,” Ian told the Business Journal in 2015. Ian Lee grew up in the Springs before he attended school in Nebraska and Arkansas, and then worked in Los Angeles and New York. Finally, he returned home and has since become an active community member, serving on the board of Peak Startup and co-founding his own companies. “Our Prohibition forefathers had an outlaw spirit,

and so do we,” the Lees said in their Fastest Growing nomination form. “With one foot in the past and one foot in the future, we’re challenging the spirits industry and breaking the modern rules of gin and cocktail creation.” Lee Spirits Co. also crossed state lines this summer and began selling the company’s gin outside Colorado. Expansion is expected to reach 11 states by the end of the year, Ian said. That will likely mean a need for additional employees, another area with which Lee Spirits Co. is familiar. The company started with two employees in 2014, doubled the next year — and now stands at 15. It sells eight products, including dry gin, lavender and cocoa gins and its Alpine Liqueur, “a unique blend of herbs, roots and flowers [in] a spirit that is reminiscent of a spring day in an alpine meadow.” The company has also increased its accounts from

80 to more than 300. “Our company’s continued expansion across the country and specifically Colorado is due to a growing wave of like-minded people coming together and discovering the wonders of drinking more gin,” Lee said. “We’re excited to be at the front of an industry segment and to be a leader in the resurgence of a lost art and product experience.” Lee said in his nomination form that, across its distribution area and in downtown Colorado Springs, “You’ll find people doing something old while experiencing something new — from your neighborhood watering holes to the lounges at Denver International Airport, from Costco and Total Wine to The Broadmoor and all the hidden speakeasies in downtown Denver — people are finally experiencing the extraordinary in what has become far too ordinary, one sip at a time.” — Bryan Grossman

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

Mortgage Solutions Financial builds company with relationships With 48 branches in the U.S., Mortgage Solutions Financial, the Colorado Springs-based loan company, is looking to add five more branches by the end of 2017. The company, which was created by Roy Clennan, and is currently operated with his son and company President Rob Clennan, specializes in home loans and mortgages as well as VA and FHA loans. The company has been successful since its start in 1995, and this year the Clennans expect to double 2014 revenues. Roy, who is also a retired Air Force officer, said without the company’s employees, Mortgage Solutions Financial would not continue to grow. “We’ve been able to attract people over the last 10 years — ever since the financial crisis — because they

want that relationship with me [and] with Rob,” Roy said. “So if you want to know what’s caused rapid growth, it’s exactly that; it’s the people we’ve been able to attract.” The difference between this company and others like it, Roy and Rob agreed, is the communication from the top down. “There are very few owners of companies who will put their reputation on the line with those branches and say, ‘You can call me’ ... we take away their pain, which is abnormal in this industry,” Roy said. Each Mortgage Solutions Financial branch has unified standards as a foundation, but Roy said it’s important to give all locations flexibility. “We do mortgages, and mortgages deal with peo-

ple, and people have to deal with state laws and the customers of their locale,” Roy said. “We do business differently in Pueblo than here. ... We provide the infrastructure to operate but we give them flexibility to operate within the norms of their city — otherwise they could never make it.” Rob said when its new branches open, employees can focus on attracting clients rather than on expenses. “We let them go out and focus on building their business,” he said. “They will close more loans just by working with us, because we don’t have the overlays and restrictions other companies have that limits their ability to produce loans.” — Audrey Jensen

Peak Structural fuels growth with major move Paul Sutton attributes the phenomenal growth of his company, Peak Structural Inc., to the decision to move to Palmer Lake in 2015. “No question, the bigger building we have now spurred the growth,” he said. “If we’d moved in 2011 or ’12, we probably would’ve had a surge in growth then.” The company — which repairs foundations for homes and commercial properties — was located on Sierra Madre Street in Colorado Springs at that time. “The building was 3,500 square feet and it constrained growth,” Sutton said. “We weren’t able to grow our fleet or staff. We were bottlenecked with modest growth. Now we’re in a building that is 24,000 square feet and that allows us to attract a better caliber of employee also.” Peak Structural, which has been in business for 15 years, had 25 full-time employees at the end of 2014.

That nearly doubled to 47 by the next year and jumped again to 72 full-time positions by the end of 2016 — including an in-house human resources department. Not surprisingly, Sutton said, the business’ gross revenue also nearly tripled. “There is definitely a relationship between head count and revenue growth,” he said. Peak Structural says it has 84 percent of the market share in the Pikes Peak region, and also does a lot of business in Denver — another reason the move to Palmer Lake made sense. “We’re close to I-25 and we can go either direction easily,” Sutton said. The company provides state-of-the-art foundation repair systems to effectively address the problems below a home or business. The systems are built with galvanized steel to resist corrosion and are designed to last

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Congratulations to the Fastest Growing Companies!

longer when repairing foundation, basement or crawl space waterproofing and concrete leveling. Fixing the problem of a failing foundation is just part of the job, Sutton said. The rest is making a customer feel valued. “I’d say another reason we’ve grown so much as a company is because we work hard to deliver a remarkable customer experience,” he said. “Every business tries to do that, I think. It’s the aggregate — whether that’s a little or a lot — of the customer service interactions along the way that matter, because when you put all of those in a pot and stir them up, it comes out good, bad or ugly. “Refining and delivering that customer experience is our top priority, and I think the customers like what they’re getting from us.” — Bob Stephens

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22 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

Peak Dental Services continues to open offices A.J. Peak, CEO of Peak Dental Services, had a vision for his company before it began — but he needed help. That’s when his father entered the picture. “I wanted to do something entrepreneurial and I developed a business plan,” Peak said. “I talked my dad into being the guinea pig.” His father, Dr. Douglas Peak, was a longtime dentist in Minnesota before moving with his wife to Colorado Springs, where he bought a small dental practice in 2003. “I encouraged him to take the leap and be our test case,” A.J. said. “We’ve had a blast doing this together.” The duo started Peak Dental Services in Colorado Springs in 2008. They now have 17 offices along the Front Range. “We’ll have 18 by the end of the year,” Peak said. “We’ve worked at being scalable.”

Peak Dental Services operates somewhat like a law firm, Peak said. “We have some owner dentists who are like a partner in the law firm,” he said. “We have other dentists who prefer to be an associate.” Either way, Peak Dental Services’ business model provides support and proven management systems that cover all aspects of the dental industry, including recruiting, marketing, finance, customer service and training. The training includes 125 hours in eight categories, led by dentists and focused on patient care and experience. “The training is a journey of professional development that provides a compass to success and patient satisfaction,” Peak said. At the end of 2014, Peak Dental Services had 80 employees; that jumped to 135 the next year and 179 in

2016. It’ll be 230 by the end of this year, said Peak, who noted that financial growth has also tripled in that time. In 2014, there were eight locations — they’re kind of like franchises, but all have different names — with another added in 2015 and four more last year. “About half of our locations we’ve built and recruited the dentist for that practice,” Peak said. “Others have been acquisitions when a dentist wants to sell their practice. I like to say we have three flavors: A dentist wants to sell and retire, they want to sell and stay on board full-time or part-time, or they want to take some money off the table by selling maybe half of the practice and come along for the ride. “No matter what, we’re location-driven with analytics like Starbucks or McDonald’s.” — Bob Stephens

PeakMed changes model for care delivery PeakMed Colorado is changing the way people go to the doctor. Under a direct primary care model, PeakMed bypasses insurance companies and gives patients direct access to a doctor “regardless of insurance, pre-existing conditions, age or illness,” for a fixed monthly membership fee. Also part of the model: same-day appointments, 24/7 virtual access, house calls for patients who can’t get to the clinic, and on-site and off-site behavioral health services. Across three years in business, PeakMed has grown its team from two full-time employees to 14. Owner Dr. Mark Tomasulo said the company’s success stems from its innovative business model and its care team. “This company was founded on the idea that a well-established relationship between an individual

and their doctor is the root of better health,” he said in an email. “In order to make that the focal point, we had to change the economics behind delivering primary care. “Our vision is to redesign health and care and that cannot be achieved without changing the economics behind how we deliver that care.” PeakMed physicians deliver 90 percent of an individual’s health care and manage non-primary care needs, including referral management and roundthe-clock access to a doctor by cell phone, to minimize unnecessary care and emergency room visits. Tomasulo described the PeakMed care team as “dedicated, passionate individuals who work every day to ensure our members receive the highest quality care possible” and said growing that team has been one of the company’s biggest challenges.

“When you grow as fast as we are, you have to have a team passionate about the company’s vision — a team that jumps in when something needs to get done,” he said. “A team so dedicated that some nights they are up all night working towards the vision and a team that will push you as much as you push them. We are lucky enough to have such a team.” Tomasulo’s advice to other business owners: “Don’t stop and don’t lose sight of your vision. “Don’t stop being passionate, don’t stop pushing the envelope, don’t stop until you can look back and know you gave everything you had or see an entire industry changing before your eyes,” he said. “The only failure is giving up on your vision and throwing in the towel before you are absolutely positive you have given 110 percent to achieving it.” — Helen Robinson

Custom designs Revolution’s specialty Revolution Jewelry Works is a custom design fine jewelry studio that’s true to its name. Its full-time staff, with a collective 95 years of experience, pride themselves on being approachable experts, not salespeople. Owner Jennifer Farnes, one of only about 100 master faceters in the country, took a leap of faith to open the award-winning store. “Instead of doing ‘business as usual’ with a stuffy environment and everyone in suits vying to upsell, we wanted to cater to anyone and everyone by fostering a creative environment that is casual enough for any client to walk in and feel at home, whether they are a mechanic or an investment banker,” said Farnes. “Shiny things are more fun than cor-

porate jobs,” she quipped. “We expected it to just be the three of us — my husband and I, and our only jewelry designer at the time, Pedro — for about five years as we carved out our piece of the pie, but we were almost immediately drowning in custom work.” Farnes chalks some of their rapid growth up to the demand for customization and individuality. “I think the younger generations are used to customizing their lives,” she said. “Custom phone case colors, computer backgrounds, you name it. That’s a major driver for our custom business. So we’ll do your Star Wars-themed ring, and also do formal, traditional jewelry work.”

Farnes pointed to an experience with an older couples as an example of Revolution’s custom work. “The woman had amassed pieces from her husband over the years, but they wanted to make it meaningful in the present,” she said. “So we reworked the pieces into something that speaks to who they are now, after 35 years of marriage.” Farnes estimated more than 65 percent of business is custom design, including sketching, designing, carving, casting and finishing. Aside from the market demand, Farnes believes that Revolution Jewelry Works’ success is rooted in its profit-share program. A percentage of the studio’s net

profits are offered to employees, and the rest is reinvested in the studio. “Profit-share has opened up many new suggestions from the team, from new approaches to our advertising, display ideas for our showcases, tools to invest in. … Our employees take ownership in the decision-making process, and it shines through in our customer experience and design work,” said Farnes. “We’re picky about our hires. That’s been the biggest learning experience for us as we grow,” she said. “Sometimes you have to filter through a lot of coal to find a diamond.” — Hannah Caproon

SocialSEO clients and culture bring financial success After 21 years in business, SocialSEO, the Colorado Springs-based digital marketing firm, has recently seen a significant increase in its clients and revenue. What is the digital marketing company’s secret to success? Being in the right place at the right time and generating new leads, said Greg and Darcie Walthour, CEO and president, respectively, of SocialSEO. “What we consider to be the most important aspect for any business is to generate new leads,” Greg said. “Getting leads is the key to success of any business, and since we do that for a living, we do it well.” SocialSEO is a Google Partner that specializes in Search Engine Optimization, social media, Pay-PerClick and content marketing. Its annual revenue nearly doubled from 2014 to 2016 and is projected

to nearly double again in 2017. The business has also doubled its clients, the husband-and-wife-team said, adding that another key to success is SocialSEO’s culture and values. “We’ve worked really hard to try to keep our culture fun, to retain our team members,” Darcie said. “Because that’s truly what has made us successful. We get leads which are great, but the team has grown this business and we’ve been lucky to have a great team.” The marketing firm plans contests, sports games and special days when employees get to wear their favorite sports team gear, for example. “I think culture is very important,” said Greg. “A general rule of thumb in philosophy here is: ‘A happy employee generally translates to a happy customer.’

“If the employees are happy they’re going to do a great job and be more passionate about what they do, so we’re very careful in the hiring process. … We provide an environment where people can be creative and relaxed.” A challenge for Greg and Darcie has been to maintain this culture as the company grows, but both recommend that other businesses put employees first to be successful. “We work hard but we play hard,” Darcie said. “In our values it says that we’re winners and we’re not ashamed of that. We expect anyone that comes on to the team to be a winner. We don’t settle to be good — we want to be great.” — Audrey Jensen

Colorado Springs Business Journal

THE LIST: ARCHITECTURAL FIRMS

Architectural Firms

Ranked by 2016 Colorado Billings

Oct. 20 - Oct. 26, 2017

From The Book of Lists & Power Pages

Ranked by 2016 Colorado Billings

Just Missed The List

Rank

8 - Tremmel Design Group 9 - Hall Architects 10 - John P. Nelson Associates

markharris ARCHITECTS will present architectural design work at the 2018 Venice Architecture Biennale — a prestigious international event for art and architecture.

RTA Architects will lead the designs of the new School in the Woods and the Chinook Trail Middle School for Academy School District 20.

1 2 3 4

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

Don’t miss The List

5 6

Oct. 27: SBA Lenders Nov. 3: Manufacturing Companies Nov. 10: Office Furniture Companies/Office Equipment and Supplies Companies Nov. 17: Advertising, Marketing & PR Firms

Name Address Phone/Fax Website Email

2016 CO Billings/ 2016 National Billings

No. of Registered Architects/ Technical Staff/ Total Staff 1 4 5

% of Areas of Specialization Business in Colorado/ Elsewhere

Local Person in Charge, Title

markharris ARCHITECTS PC 1329 N. Cascade Ave. Colorado Springs, CO 80903 719-290-0214/N/A mharrisarchitects.com mharris@mharrisarchitects.com DLR Group 523 S. Cascade Ave., Ste. 100 Colorado Springs, CO 80903 719-634-0205/720-932-7561 dlrgroup.com jwinney@dlrgroup.com TreanorHL 219 E. Colorado Ave. Colorado Springs, CO 80903 303-298-4700/719-578-9548 treanorhl.com nmcalvanah@treanorhl.com RTA Architects 19 S. Tejon St., Ste. 300 Colorado Springs, CO 80903 719-471-7566/719-471-1174 rtaarchitects.com info@rtaarchitects.com HB&A 102 E. Moreno Ave. Colorado Springs, CO 80903 719-473-7063/719-473-7092 hbaa.com hbaa@hbaa.com CSNA Architects 532 N. Tejon St. Colorado Springs, CO 80903 719-473-7225/719-632-5164 csnaarchitects.com gmf@csnaarchitects.com Keys + Lauer Architects 417 S. Cascade Ave. Colorado Springs, CO 80903 719-634-3751/719-634-3791 bkeys.com office@bkeys.com

$57.2M N/A

Year Est. Locally

80% 20%

Educational, multi-family housing, medical, office, urban planning, interiors

Mark Harris, Architect, 1991 Principal of Firm

$23.2M N/A

5 N/A 13

N/A N/A

K-12 education, higher education, justice/ civic, corporate, military, interior design

Edward Bledowski, Principal

1989

$13.4M $40.9M

20 34 54

33% 67%

Advanced industries, education, healthcare, historic preservation, justice, mixed-use, science & tech and student life

Roger Quelch, Office Director

2003

$10.4M N/A

23 N/A 41

N/A N/A

Stuart Coppedge, Principal

1975

$4.5M $1.0M

7 19 23

80% 20%

Architectural design, feasibility studies including site selection and comparative analysis, site planning, facility programming; and environmental graphics, signage and way-finding for healthcare, education, retail, commercial, and community projects Architecture, master planning, sustainability, consolidation planning, BIM, project definitions, feasibility analysis, concept development, renderings

$1.7M $3.1M

6 3 10

80% 20%

Cultural and museum, higher education, hospitality, corporate/manufacturing, public education, civic, master planning

$1.6M N/A

3 3 7

100% 0%

Commercial, medical, military, educational and institutional work

Gene Leavines, 1971 Principal Architect, Aaron Briggs, Principal Planner, Steve Powell, Principal Architect Gregory M. Friesen, 1971 FAIA, William E. Box, AIA, Roger D. Sauerhagen, AIA Victor J. Lauer, President

1984

* In cases of a tie, secondary ranking is by total number of registered architects. 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 Architectural Firms that responded to questionnaires, notices and telephone inquiries.

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24 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

Focus

ARCHITECTURE & DESIGN

Photo by Bob Stephens

The 92,000-square-foot Ent Center for the Arts, built on the western edge of the UCCS campus at a cost of $70 million, was designed to be LEED Gold certified, meaning it is environmentally friendly.

Energy standards can mean business the 92,000-square-foot Ent Center for the Arts — built at a cost of approxiarolyn Fox is proud of the mately $70 million — was constructed newest building on the UCCS to be sustainable. It’s environmentalcampus, and not just because ly friendly and designed to conserve she calls the Ent Center for the energy. That was a requirement, Fox Arts “a piece of artwork in itself.” explained. Fox touts the acoustics of the five “It’s a mandate from the state performance venues, the continuous Legislature that any new building on lobby that offers views of Pikes Peak, campus in the CU system has to be LEED and the stylish excertified,” she said. terior. As the UCCS “It’s a mandated Executive Director high-energy perof Construction and formance program.” Planning, she also LEED, short for helped design the Leadership in Energy building, although and Environmental she says about 100 Design, was created people had a hand in by the United States that process. — Brian Risley Green Building “This was always Council [not a part meant to be a sigof the U.S. governnature building on ment] in 1998 and introduced a Green campus,” she said while sitting on new Building Rating System that awards furniture in the spacious lobby. “This points for water efficiency, energy usbuilding is different because we expect age, construction materials, disposal so much of the public to come here. We of construction waste, indoor air qualenvision them having dinner across ity, the building site, site drainage and the street at one of the restaurants and many other factors. Criticism has been walking through the tunnel to see a leveled at the program because it will performance here. It’s still designed for also award points for having things like student use but it’s a public building bicycle racks and showers. too.” Fox said all new UCCS buildings are Like all other new buildings at UCCS, built to LEED Gold standard, the third By Bob Stephens

“We’re not seeing people scrambling to look for LEED buildings these days.”

highest of the four-tiered rating system. “We’re here for our students and they want sustainable buildings and a sustainable environment,” Fox said. But is it worth the added cost to adhere to the LEED program? “The biggest argument some people have against LEED buildings is that it increases cost, and the certification process also costs several thousand dollars,” Fox said. “You can argue that putting in more efficient mechanical systems helps you get that money back.” The return on investment, she said, is highly scrutinized. “If we can see a return in seven years, we’ll implement whatever that part of the program is to get those points toward certification,” she said. “If it’s over 10 years, we won’t. Seven to 10 years is our gray area. “For being LEED Gold, we get a plaque on the door and a sticker on the window,” she said. “It’s hard to put a value on that, though. When we bring students through with their parents, that LEED Gold rating seems to matter to them.”

WEIGHING CERTIFICATION LEED was modeled after the United Kingdom’s Building Research Environmental Assessment Method [BREEAM], which was established in

1990. Green Globes, a rival to LEED in the U.S., was launched by Green Building Initiative in 2005 by adapting the Canadian version of BREEAM. LEED and Green Globes are similar rating systems, although LEED is better known. “A LEED commercial office building used to be a big draw five years ago,” said Brian Risley, a principal at CRP Architects. “Today, I’m not sure it would be a big selling point. It’s more of a feelgood story for the building owner; I’m not sure the cost savings are passed on to the tenant. We’re not seeing people scrambling to look for LEED buildings these days. It’s more important to be in the right part of town than in the right building.” Risley said there are three basic reasons why a building owner might consider high-performance criteria: the financial benefit due to energy reduction; environment; and if it’s a state requirement. “It costs 3 to 5 percent more to get certification, to get that plaque on the wall,” Risley said. “Being certified doesn’t really change your bottom line.” It can, however, bring a return on investment, he said. “Sometimes payback takes 12 to 15 years and that’s why some don’t certify even if they would qualify,” Risley said. “If it’s 10 years or less, it makes sense.”

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

NEXT WEEK

BANKING QUARTERLY

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. Photo by Bob Stephens

UCCS Associate Vice Chancellor Gary Reynolds talks with UCCS Executive Director of Construction and Planning Carolyn Fox in the Shockley-Zalabak Theater in the Ent Center for the Arts.

Fox said LEED keeps raising the bar and just came out with Level 4 that has more stringent criteria to certify. “The minimum standards for building code keep going up, so LEED standards have to keep going up,” Risley said. “Standard buildings built today meet the criteria for LEED from 10 years ago.” Landscape architect Jim Houk, president of Thomas & Thomas, said some people have become discouraged with the LEED program, and although they may build to those standards, they won’t maintain some of them as years pass. “LEED played an important role in the last 15 to 20 years,” Houk said. “LEED opened the door and made the conversation easier for green ideas, but a lot of clients don’t want to pay for certification.”

SCHOOLS GOING GREEN CRP Architects was part of the remodel at Cheyenne Mountain High School and has designed several new schools in Fountain-Fort Carson School District 8, Risley said. “Cheyenne Mountain was built with LEED criteria in mind but they didn’t go for certification because they didn’t want to pay the cost,” Risley said. “Almost all of the buildings in the Fountain-Fort Carson school district have some LEED components, such as geothermal fields, high-performance mechanical systems,

LED lighting and passive heating and cooling ventilation.” Risley said there is another program out there to build sustainable schools — Collaborative for High Performance Schools. In 2015, Colorado became the first state in the nation to adopt the USCHPS Criteria for healthy, high-performance schools, through an update to the Colorado High Performance Certification Program. The Colorado Office of the State Architect has requirements for state departments and educational institutions in the construction of new buildings and the substantial renovation of existing buildings, and covers projects funded by the Colorado Department of Education. “There are only a handful of those schools in the state,” Risley said. “We’re working on one in the Denver area, Mapleton Public Schools.” Fox said there are nine buildings on the UCCS campus that are LEED Gold, and another five that are in use but waiting to be certified. “We want to be cost effective and show good business sense,” Fox said. “A commercial developer, on the other hand, might not think it’s worth it to put extra money into [a LEED building] unless he can sell it for more. But we own these buildings and feel it’s beneficial in the long run.” CSBJ n

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

26 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

KUDOS

PEOPLE ON THE MOVE

Compiled by Bob Stephens

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

INFRONT WEBWORKS IS TOP 16 FIRM TopAgency recently awarded Springs-based Infront Webworks as one of the top 16 search engine optimization firms in the U.S. for 2017. The company has also made the U.S. Search Awards’ 2017 short list for Best Small SEO Agency, with awards to be announced in November. The U.S. Search Awards is the premier celebration of SEO and content marketing in the industry across the U.S. Both awards require a rigorous review of the firm’s client retention, quality of client base, reliability, quality of services, on-page optimization, off-page optimization, keyword analysis, reporting procedure, back link quality and self-ranking on targeted keywords.

BIZ HALL OF FAME HONORS JOHNSONS James M. Johnson, CEO of GE Johnson Construction Company, and his father, Gil E. Johnson [1933-2000], founder of the business, are among the 2018 inductees into the Colorado Business Hall of Fame. In its 50th year, GE Johnson Construction is Colorado Springs’ largest locally owned and operated commercial builder,

and one of the biggest in the Rocky Mountain region. The other inductees, announced by the Denver Metro Chamber of Commerce and Junior AchievementRocky Mountain Inc., are Barbara Barnes Grogan, William B. Pauls, Richard C. Saunders, Joseph Kernan Weckbaugh, and Philip and Adolph J. Zang. These business leaders were selected for their professional contributions to Colorado, as well as their business acumen and philanthropic endeavors. They will be inducted at the 28th annual Colorado Business Hall of Fame Dinner on Jan. 25, at the Hyatt Regency Denver at Colorado Convention Center. For details visit JAColorado.org.

GRECCIO HOUSING RECEIVES AWARD Housing Colorado presented Greccio Housing with the Eagle Award at its annual Housing Colorado Now conference hosted in Vail last week. Eagle Awards are given to honor affordable housing leaders, programs and housing projects throughout Colorado. Greccio’s Eviction Prevention program helps people prevent evictions due to the loss of income after life-changing medical emergencies, death of a family member, divorce or

Charae McDaniel

New Chief Financial Officer City of Colorado Springs

Jeremy Anderson

New President & CEO Farm Credit of Southern Colorado

Cecile D’Huyvetter

New Trauma Department Director Penrose Hospital

separation. The Eviction Prevention program provides up to three months of financial support and intensive case management to keep families stably housed. While financial support is critical for immediate expenses, the personal support of the case manager is critical as the resident navigates emotional challenges, preparation for return to work, budgeting and other stability-focused life skills. Since the program’s launch in October 2014, 27 families and 14 individuals were enrolled in the program. Of those 41 households, 35 successfully completed the program, three are currently enrolled, and only five were unsuccessful.

BUSINESS BRIEFS KAISER PERMANENTE EXPANDING Kaiser Permanente Colorado, the state’s largest nonprofit health plan, announced plans for a new medical office building, located in south-central Pueblo. The Pueblo South Medical Offices will be at the intersection of Pueblo Boulevard and Acero Avenue and provide convenient access to primary care, some specialty care, laboratory, pharmacy and routine medical imaging services. It will open to Kaiser Permanente members in early 2019, with construction to begin in early 2018. This is the health plan’s second medical office building

Corporate Table

$1900

per person

in Pueblo and the fourth in Southern Colorado. Kaiser Permanente’s Pueblo North Medical Offices are located on the north end of town and opened in 2009. Pueblo South Medical Offices will employ approximately six health care professionals, including two or three physicians, nurses, technicians and administrative staff.

PALMER LAND TRUST GETS GRANT The Great Outdoors Colorado [GOCO] Board awarded a $60,750 grant to Colorado Springs-based Palmer Land Trust on Friday. The grant will be used to

launch the Generation Leadership Project empowering Millennials and members of Generation X to navigate urgent conservation challenges, impact their community and actively champion conservation projects in the region. With the GOCO funds, Palmer will launch a large-scale awareness-building campaign, develop a series of events, and create an advisory board consisting of local Millennial and Generation X community and business leaders. To date, GOCO has invested $52.2 million in projects in El Paso County and has conserved more than 8,000 acres of land.

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Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

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

Networking Events

Regional Events

Monday, Oct. 23

Wednesday, Oct. 25

Tuesday, Oct. 24

PPAR: Legal Issues and Risk

CSHBC: Meet and Mingle

Learn common law, federal and state statutes that govern real estate transactions with the Pikes Peak Association of Realtors, 8:30 a.m.-12:30 p.m., PPAR, 430 N. Tejon St., Go to ppar.org to register.

Join the Colorado Springs Hispanic Business Council for an evening of networking with Hispanic professionals in the community and to hear the Pikes Peak Small Business Development Center’s 2018 plans, 6-7:30 p.m., Whirly Ball, 3791 Palmer Park Blvd., $5 for member, $10 for non-members.

Pueblo: Small Business Summit

Tuesday, Oct. 24 SBDC: Intellectual Property The Pikes Peak Small Business Development Center hosts a workshop about intellectual property rights, 9-11 a.m., SBDC offices, 559 E. Pikes Peak Ave. Go to pikespeaksbdc.org to register.

PPLD: Ordinary Investing for Extraordinary Results Ron Phillips, licensed stockbroker and financial adviser, will teach a twonight course on investing, Oct. 24 & 26, 6-7:30 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Wednesday, Oct. 25 PPLD: Resumés That Get Results Join the Pikes Peak Library District to learn how to craft a resumé that will get people’s attention, 4-6 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Thursday, Oct. 26 SBDC: Strategic Business Planning Develop a strategic plan for your business with the Pikes Peak Small Business Development Center, 9 a.m.-noon, SBDC offices, 559 E. Pikes Peak Ave. Go to pikespeaksbdc.org to register.

Wednesday, Nov. 1 PPLD: Starting a Website

Learn how to create a website for your business using WordPress, 6-7 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Thursday, Nov. 2 SCORE: Government Contracting Learn how to take your startup and small business to the next level with Colorado Springs SCORE, 8 a.m.-4:30 p.m., Harvey House, 555 E. Pikes Peak Ave. Go to coloradosprings.score.org to reigster.

Thursday, Oct. 26 Women’s Chamber: Sunset Meet & Greet Join the Southern Colorado Women’s Chamber of Commerce for an evening of networking with local businesses, 5-7 p.m., Cheyenne Mountain Dentistry, 4451 Venetucci Blvd., Suite 160. $5 for members, $10 for partner organizations, $15 for non-members. Go to chamber.scwcc.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, Inn at Garden Plaza, 2520 International Circle. Go to goldenlotusfoundation.org to register.

Monday, Oct. 30 CSBJ: Tom Naughton 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.

Peak Startup/Epicentral: Business Wake Join Peak Startup and Epicentral Coworking to pay tribute to departed businesses in Colorado Springs, 7 p.m., Epicentral Coworking, 415 N. Tejon St.

Saturday, Nov. 4 Springs Chamber: Annual Gala Celebrate 125 years with the Colorado Springs Chamber & EDC at the annual gala to honor the 2017 Business Citizen of the Year and Industry Awards, 6-11 p.m., The Broadmoor International Center, 1 Lake Ave. $190 per person, $1,900 per corporate table. Go to coloradospringschamberedc.com to register.

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The Latino Chamber of Commerce Pueblo will host a day of presentations from experts on various topics to help improve your business, 7:30 a.m.-5 p.m., Pueblo Community College, 900 W. Orman Ave., Pueblo. Go to pueblolatinochamber.com to register.

Wednesday, Oct. 25 Woodland Park: Business Roundtable 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.

Friday, Oct. 27- Sunday, Oct. 29 Pueblo: Mini-Maker Faire The Pueblo Maker Faire is a mix between a science fair, craft show, farmers market and Burning Man for families, hosted by the Colorado State University Extension Office, 6 p.m., Ag Palace at Colorado State Fairgrounds, 1001 Beulah Ave., Pueblo. Go to pueblochamber.org for more information.

Thursday, Nov. 2 Woodland Park: Fall Business Expo Join the Woodland Park Chamber of Commerce for its fall business expo, 5-7 p.m., Ute Pass Cultural Center 210 E. Midland Ave., Woodland Park. Go to woodlandparkchamber.com to register.

Woodland Park: Lunch

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

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

Saturday, Nov. 4 Pueblo: Business Women’s Expo Join the Pueblo Business Women’s Network for the Business Women’s Expo, 9 a.m.-3 p.m., Colorado State Fair Grounds Colorado Building, 1001 Beulah Ave., Pueblo.

Want more information about CSBJ events? Subscribe to our weekly events email at csbj.com/daily-e-mail



28 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

POETRY, PROSE & COMEDY

WEEK

Certified Creative District

supporting

ARTS MONTH

musiC & daNCe

/DowntownColoradoSprings

Downtown_CS

@DowntownCS

This 1997 50-kroner ner bank note celebrates Swedish singer Jenny Lind (1820-1887) and features notes from Bellini’s opera Norma. See it and more!

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

celebrate

POETRY, PROSE & COMEDY learn more at VisitCOS.com/art

See a comedy show

Attend a poetry night

Go to a local book signing

Take an improv class

Try something new during Arts Month.

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

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

POETRY, PROSE & COMEDY

Jeanne Robertson

is bringing her rocking chair tour to

COLORADO SPRINGS, CO A night of family-friendly comedy

Nov. 17, 2017 friday @ 7:00 pm

Pikes Peak Center Tickets available at: www.PikesPeakCenter.com or call 888-929-7849 Groups (10+) call 719-477-2116 or inquire at bit.ly/CoGroups

PeakRadar.com/ArtsMonth

30 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

POETRY, PROSE & COMEDY Cheers Cheerstotoour ourArtists, Artists, Actors, Actors,Poets, Poets,Writers, Writers, Musicians, Musicians,Filmmakers Filmmakers- Creative Cultural Resources Cultural Resources of ofthe thePikes PikesPeak Peakregion! region!

200,000 and used used books. books. 200,000 new new and A Book Lover’s A Book Lover’s DreamDream Come Come True. True. 12 E.12 Bijou St., Downtown E. Bijou St., Downtown 10 10toto66daily dailyand and10 10toto33Sunday Sunday + First+Friday Arts Walks First Friday Art Walks 3918 Maizeland Rd. 3918 Maizeland Rd. 10 to 6 daily 10 to 6 daily

We book searches! searches!719-419-7660 We do do book

PeakRadar.com/ArtsMonth

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

Factoring: Emerging trend Secure: For soldiers From page 4

“It is a specialty and requires a special expertise,” Berrios said. “That’s why she’s here with Herring.” Factoring is an “emerging trend” in the United States, although it’s mostly big banks and independent factoring companies that do it now, Kavas said. “I think we’re going to see more of it from banks. It’s something I believe in,” she said. “In the United States, there’s a very liberal legal environment that allows for factoring [companies]. That’s not allowed in Europe, so the banks offer this product.” Kavas said a basic misconception is that the program will be prohibitively expensive. “I will say that it’s very cost effective, especially when it is offered from within a bank,” she said. “Buying bad debt is another misconception. By no means is this meant to be a collection company type thing. We wouldn’t want to be involved in any kind of potential dispute or non-payment situation.” Hoskins said that govIRG helps small businesses with their government contracting needs, and he’s seen many companies score a major contract, but need a short-term solution until the first money comes in. “They can’t get a traditional line of credit because they don’t have a long-term financial statement, so they borrow from themselves or their 401(k) or find a reasonable factoring company,” Hoskins said.

“Banks that do this are a great alternative. A small bank like Herring doing this is great for small businesses.” Factoring has made a huge difference for more than one business, he said. “I was working with a $4 million company that was barely profitable due to the cost of money, [but] they were factoring with a higher cost company,” he said. “I changed them to another [less expensive] factoring company and in a year and a half they had grown to $12 million and didn’t need factoring anymore.” Kavas envisions that kind of relationship with businesses that start with Herring Bank’s Invoice Purchasing Program, and are then able to move into a traditional line of credit. “This is a good solution for those companies who have good receivables,” Kavas said. “We rely more heavily on the receivable itself. If they’ve rendered a service or delivered a product with documentation, we’re able to get around even a past bankruptcy or tax issues. And you very often have good business people who’ve had bad luck in the past, maybe even health issues, that are prohibiting them from accessing conventional capital. “What we’re interested in doing is providing those companies with a flexible and scalable solution — so they can grow as fast as possible. We really don’t have a whole lot of difficulty dealing with that type of growth, even if a company is doubling in size.” CSBJ n

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diploma in cybersecurity, hands-on technical experience, and Security+ they do — you get similar training and CISSP certifications. but it’s four years from now. They “What makes us unique is typicalwant us now. They wanted us yesly about a third of people pass the terday. It’s such a huge demand.” CISSP — but we have 100 percent Health care specialist Sal Hinson pass rate so far, and that’s because is also part of the first CCP cohort, we’re such an immersive program,” aiming for a second career in cyshe said. “We hit you up with 8, 9, bersecurity as he retires from the 10 hours a day and then we do prep Army after 20 years. on top of it. And they get hands-on “I’ve become more aware of how technical experience too.” much cybersecuShe said rity and medical SecureSet is targetgo hand in hand,” ing a 100 percent Hinson said. job placement rate “Cybersecu r it y via the employers was something who help sponsor t hat a lways the program and sparked my interhope to hire CCP est, and I want to graduates. be a part of that — Bill Gnerlich While none of community. the soldiers start “This program the program with a gives you that pathway: ‘This is an job offer, they are interviewed by emopportunity. We’re going to give you ployer sponsors before being selected all the tools, now you need to implefor CCP and will be interviewed again ment them.’ I think that’s fantastic.” a few weeks before graduating. Job Hinson described CCP as “like offers are made at that stage. drinking out of a firehose” but said Gnerlich is looking forward to it. the students are big on collaboration “I really want to become a part of and teamwork. the movement and help,” he said. “In “It’s been a whirlwind, but the the military I’ve learned to defend best benefit about being in the Army and protect the people and the counis you’re used to the fast pace — and try. Being in cybersecurity I can do this course is no different,” he said. the same thing — just on the cyber Laughman said CCP graduates will have a year of college credit, a level.” CSBJ From page 5

“They want us now. They wanted us yesterday. It’s such a huge demand.”

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

32 Oct. 20 - Oct. 26, 2017

Spring Back Colorado creates redemptive employment opportunities to disenfranchised people while fully recycling over 5000 mattresses per month responsibly. We use a sustainable business model to oﬀer services to retailers, universities, hotels and the public by providing an alternative to landﬁlls to properly dispose of post consumer mattress materials. Spring Back Colorado will soon be opening a third location in Colorado Springs and we are looking forward to servicing your community.

Please visit www.springbackco.org for more information.

Women’s Community Leadership Initiative Attention Women of Colorado Springs are you ready to… - Develop a deeper awareness of your potential - Make a difference and work with community leaders - Cultivate new leadership skills WCLI is a tuition free program for women of modest means to help them overcome barriers to self-sufﬁciency. The program meets EVERY Wednesday night, 5:30-8:30 PM, starting January 2018 with graduation in June 2018 at various locations in the community. I have learned so much about myself and the role I can have in my community. I have always been an introvert but I love helping people and I believe I have found out how to successfully do so thanks to WCLI and Leadership Pikes Peak. During this experience I have learned how to work in a large group of very different people towards a goal worth achieving. I am conﬁdent that I can help and serve those around me in ways I could not before. I will be forever grateful to WCLI for this experience! -WCLI Graduate 2016

Do Not Delay, Apply Today! Applications due November 3, 2017 www.leadershippikespeak.org/wcli/ For more information, contact Sloan at (719) 632-2618 or sloan@leadershippikespeak.org

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HEALTH CARE STATUS QUO TAKES HITS IN OCTOBER Last week was eventful for health care in Washington, D.C., as President Donald Trump signed an executive order Oct. 12 that the White House called a step toward “affordable health care solutions” through expanding the use of association and short-term health insurance plans and opening competition across state lines. The same day, the president announced his administration would discontinue Cost-Sharing Reductions for the individual health insurance market, something Congress said it is working to restore. The Colorado Division of Insurance responded to both, stating the decisions could be detrimental to the state’s health care landscape. Prior to the signing of the executive order, Sen. Rand Paul (R-Ky.) said it was “the biggest free market reform of health care in a generation,” adding 28 million people were “left behind by Obamacare” and do not have insurance today. Vice President Mike Pence said, “Since Day 1 of our administration, President Trump has made it a top priority to rescue the American people from the disastrous failure of Obamacare. Every day Obamacare survives is another day the American people struggle.” Premiums have more than doubled since the Affordable Care Act began, Pence said, adding that in 2018, they are set to increase even more. He said nearly half of American counties will have a single choice through their exchanges in 2018. President Trump said the plan will provide small business owners the purchasing power of larger entities. In response, the DOI, part of the Department of Regulatory Agencies, issued a statement from Colorado Insurance Commissioner Marguerite Salazar, who said “[e]xpanding association health plans and short-term health insurance without ACA protections will fracture the individual and small group markets. The limited benefits, the focus on the healthy at the expense of those with pre-existing conditions, and lack of regulatory oversight will cause problems for the health insurance market as a whole.” There are more than 100 associations in Colorado that have filed with the DOI, according to Vincent Plymell, DOI communications manager. “As association plans would not have to follow most insurance regulations, especially at the state level, there would be limited oversight, especially concerning financial solvency,” Salazar said in her response to the president’s executive order. “Employers purchasing such plans for their employees will end up with serious questions about the value of these plans.” Just as the expansion of association plans could negatively impact the small group market, the expansion of short-term plans could hit the individual market, Salazar said. “In the individual market, under this executive order, cheaper, less comprehensive short-term plans may be able to exclude people with pre-existing conditions and focus on healthy individuals,” the response said. The DOI also issued a statement regarding the discontinuing of Cost-Sharing Reductions for the individual health insurance market prior to an Oct. 18 announcement that Sens. Lamar Alexander (R-Tenn.) and Patty Murray (D-Wash.) have reached a deal “in principle” to restore ACA cost-sharing reduction payments for two years in exchange for more state flexibility in Obamacare. The division’s response, in part, read: “… This is unfortunate, but the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), was prepared for this and is putting its Plan B into place. “For low-income people who make too much to qualify for Medicaid, up to 250 percent of the Federal Poverty Level, CSRs are payments from the Federal government to help this group of people lower their out-of-pocket costs. … For months now, the president has hinted that he would discontinue these payments. Because of those threats, this past summer the DOI had Colorado health insurance companies submit two sets of rates for their 2018 plans, one that assumed the CSRs would continue to be funded, and another set that were based on the CSRs not being funded. ... “... These rates have already been reviewed by the DOI, and today the division is pushing the new premiums to Connect for Health Colorado so they can be loaded into its system. The Division’s plan is that open enrollment will continue as scheduled, Nov. 1-Jan. 12.” The day after the White House announced that it would end payments to health insurance companies to cover CSRs, Connect for Health Colorado CEO Kevin Patterson said the state’s health insurance marketplace is ready to support continued enrollments. “I want to further reassure the 45,000 Connect for Health Colorado customers whose co-pays and deductibles are reduced by the Cost-Share Reduction program that they will not see their costs go up. The brunt of the burden of [the actions taken Oct. 12] is borne by our health insurance company partners.” — Bryan Grossman

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

OTHER VOICES

Fall and winter home selling secrets

pring and summer are typically the height of homebuying season, while fall and winter usually see the market slow down. However, there are still ways to better ensure a home sells in fall or winter. Sellers can expedite the selling of their homes this fall and winter by following these six tips: • Utilize an expert. It is imperative to hire an expert agent early in the selling process to review the property to see what really needs to be done to improve the market value and, more importantly, what does not need to be done. This ensures sellers can get the best return on their investment of time and money. Not every improvement needs to cost a lot of money; sometimes it comes down to a new, inviting doormat. The front door sets the stage for the buyer’s perception of the rest of the house. Additionally, the real estate agent should determine current market value and then revisit it

just before the house goes on the market for any needed adjustment. • Consider staging. Not all agents offer or encourage staging. Some agents may think it’s not important in a hot market; however, WESTAPHER staging creates a stronger perception of value, your home will stand out from the competition and the offers will be stronger if the house is staged. • Use professional photography. Almost everyone makes buying decisions online, which is why enticing professional photography is important. A potential buyer will eliminate your home if it doesn’t reach out and grab their attention with value based on great photography. It’s important

Vicki

to have top-notch marketing exposure over a wide range of media to attract buyers from all different areas of the market. • Be mindful of pricing. Never overprice. Price as close to what your agent believes it can sell for, from the beginning. The longer your home stays on the market, the less it will sell for and over time the property will become stigmatized with people wondering what’s wrong. • Make the home easy to view. Make it easy for buyers to schedule showings. When your home is on the market it becomes a commodity on the shelf and accessibility is critical. • Ensure the agent has strong negotiating skills. This is one of the high-

est values that a great agent brings to the table, and includes negotiating their own commission. If you hire an agent that is willing to give away their own commission up front, they will probably not be able to help you negotiate the best price and terms for your home. Vicki Westapher has been a licensed real estate broker in Colorado Springs since 1998. She is an Accredited Buyer’s Representative, Certified Residential Specialist, E-Pro, Graduate Realtor Institute, Luxury Home Professional, Quality Service Certified and Seniors Real Estate Specialist. For more information, visit makeyourbestmove.com or call 495-8007.

It is imperative to hire an expert agent early on in the selling process to review the property.

LETTER TO THE EDITOR

El Paso County Commissioners wise on weed To the Editor: I am the founder and owner of Cannabis Regulatory Solutions. I am an approved Marijuana Enforcement Division Responsible Vendor Program training provider. I also offer cultivation compliance training and help marijuana businesses better understand and cope with Colorado’s marijuana laws. I would like to thank the El Paso County Commissioners for voting 5-0 to renew the license of Forrest Charlesworth’s New Age Medical and Humboldt Care and Wellness. The decision was explained in [the Colorado Springs Business Journal] article entitled, “Commissioners approve renewal license for medical marijuana business owner.” It was published on Oct. 6. I can’t agree more with both Detective Hughes and Sgt. Vargason who stated that marijuana rules are “hard to keep up with.” If the issue were limited only to marijuana businesses, that would be one thing. But it’s not. The problem is systemic throughout the industry, including law enforcement, local officials, and even the MED themselves. There are many reasons for this. But I’d like to elaborate on a few of the more evident. The U.S. cannabis industry is trying to do something that has never been done before. And it is trying to do it without the help of the federal government. The federal government’s stance that marijuana is a Schedule 1 drug is keeping most banks, insurance companies, national consulting companies, universities and research institutions, and regulatory experts out of the cannabis industry. Colorado state and local regulators don’t have

the help of federal agencies like the Food and Drug Administration, Environmental Protection Agency, and the National Institutes of Health, to name a few. They are in the unenviable position of having to develop and redevelop rules that would otherwise fall onto the desks of more experienced and better supported federal lawmakers and institutions. With such a handicap, is it any wonder that rules are continually in flux and less stable than they otherwise should be? And let’s face it. If Colorado were to start fresh in developing rules for this burgeoning new industry, would we have started with two independent sets of legislation — one for medical and one for recreational? Common sense tells us no. We’d eliminate half of the regulation and therefore much of the complexity by removing duplicate (or similar) language between the two. Having a single cannabis code would give regulators more time to focus on exceptions and the development of new rules for the support of a growing cannabis industry. But that is not where we are today. The industry has developed into an overly complex and highly regulated institution. In the making of new legislation, errors are often made simply by cutting and pasting appropriate sections from one rule book into the other. Perhaps one of the more frustrating things for any marijuana business licensee is the inability to quickly obtain answers to questions. Rules can be complex, simply poorly written, and oftentimes dubious. And worse yet, the answer one receives is frequently the result of individual personal interpretation, versus

the official position of the agency. To correct this, the MED has developed an inquiry service at dor_medinquiry@state.co.us, and rule making site at dor_medrulecomments@state.co.us. These are great steps in the right direction. But it can take months to receive final answers. In the meantime, marijuana business owners, who are trying to do the right thing, find themselves stuck in limbo. Cannabis industry pioneers face an even more daunting regulatory challenge in securing approval for the advancement of industry innovation. New processes, new equipment and new technologies often require changes to current regulation and/or the development of new legislation. Engaging with regulatory bodies and other industry influencers to improve the legislative environment is critical to success. Outreach is often characterized in bursts of starts and stops. And educating regulators and local officials who are not science- or technology-oriented can be especially challenging. Today, perhaps more than ever, there is a need to build stronger partnerships between government and industry practitioners. I’m particularly thankful to both Detective Hughes and Sgt. Vargason for noting that compliance is often difficult for many marijuana business owners. The compliance solution is not to overly penalize well-intentioned and largely compliant business owners. It is to focus stakeholder efforts on addressing the root causes, some of which were discussed here. — Ren Gobris, El Paso County

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34 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

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

CORPORATION NAME

20171755868 20171761493 20171764164 20171764646 20171762481 20171764914 20171608167 20171753355 20171753363 20171753365 20171753366 20171753380 20171753382 20171753385 20171753428 20171753433 20171753520 20171753542 20171753656 20171753695 20171753711 20171753724 20171753867 20171753935 20171753983 20171754029 20171754123 20171754271 20171754548 20171754559 20171754765 20171754779 20171754870 20171754912 20171754956 20171755079 20171755096 20171755149 20171755251 20171755304 20171755310 20171755329 20171755339 20171755431 20171755458 20171755628 20171755653 20171755698 20171755705 20171755794 20171755862 20171755865 20171755869 20171755870 20171755871 20171755872 20171755873 20171755874 20171755875 20171755919 20171755931 20171755937 20171756038 20171756052 20171756122 20171756307 20171756312 20171756341 20171756389 20171756391 20171756488 20171756498 20171756724 20171756768 20171756799 20171757251 20171757260 20171757307 20171757389 20171757441 20171757511 20171757539 20171757581 20171757653 20171757709 20171757779 20171757787 20171757953 20171758045 20171758046 20171758047 20171758048 20171758049 20171758062 20171758063 20171758064 20171758065 20171758196 20171758204 20171758216 20171758217 20171758397

Green Valley Labs, LLC DLLC BV Spring Creek I, LLC DLLC APEX FUN RUN DENVER LLC DLLC B & K PROPERTIES LLC DLLC JOYD DLLC dten moving services DLLC LIFE CLINICAL MASSAGE THERAPY L.L.C. DLLC PT Fabrication, LLC DLLC Fall West Collective, LLC DLLC The Premise Group, LLC DLLC Two Miles Above, LLC DLLC Kingdom Digital, LLC DLLC RentPro Insurance, LLC DLLC JTM Window Tint, LLC DLLC Boulder’s Tavern, LLC DLLC RemoteSupportPC LLC DLLC Rustic by Nature, LLC DLLC JB Photography, LLC DLLC GAMMA GRADIENT LLC DLLC Garage Prophets Inc. DPC 3228 W. Fontanero Street LLC DLLC Little London Cake Shoppe, Inc. DPC THE ADAM HALL COMPANY LLC DLLC Elevated Audio LLC DLLC Full Life Ministries DNC FrogAlot Plumbing LLC DLLC JOJO GAS & MART LLC DLLC Hailey Glenn View LLC DLLC Ohana Cruises, LLC DLLC Freedom Military Supply Company llc FLLP JPMAMG LLC DLLC NK Agyepong Ministries DNC Bach Harrison, L.L.C. DLLC Mr Craftsman LLC DLLC A. D. J. Sanchez LLC DLLC The JOYful Farmhouse LLC DLLC TANDEMONIUM LLC DLLC 455 Red Cloud LLC DLLC jbCM Magazine DNC Certified Garcia Flooring DLLC Meridian Marketing LLC DLLC Kelda Reimers Nutrition, LLC DLLC 93 Crystal Beach LLC DLLC Roth Law, P.C. DPC Emparia Labs, LLC DLLC HELA PARTNERS, LLLP DLLLP Engineer Greene LLC DLLC jones trucking DLLC Colorado Police Protective Association Charitable Foundation DNC Mateship, LLC DLLC McLerran Counseling Services, LLC DLLC Altitude Digital Marketing, LLC DLLC Earth Vent, LLC DLLC BPR Entertainment, Inc. DPC Hannah Properties, LLC DLLC Where Pigs Fly, LLC DLLC Rocky Mountain Building Concepts, LLC DLLC Elchsons Enterprises LLC DLLC Millennium Technology Solutions, LLC DLLC Hardwood Dedication, LLC DLLC KEVIN’S, LLC DLLC Access Interpreting, Inc. DPC RealWorth Equipment, LLC FLLC Eagle Pen Company, LLC DLLC MCR, Limited DLLC Double R Home Improvement, LLC DLLC Found*ded Records DLLC D S, LLC DLLC Peak Lighthouse LLC DLLC 604 Hinsdale, LLC DLLC Marrero Investments LLC DLLC Rise Counseling and Consulting DLLC ADF Foundation FPC Cardon Global, LLC FLLC Hybrid Lending Group DLLC Hyperion Lighting LLC DLLC AG CONSTRUCTION SERVICES LLC DLLC Accredited Mobile Notary DLLC ACE AERIAL IMAGING LLC DLLC Overcomers of Colorado DLLC DC Geist Construction LLC DLLC KFE Investigative Services, LLC DLLC Total Dog! Colorado Springs DLLC Maltman, LLC DLLC Journeys in Recovery, LLC DLLC Brain Forgiveness Foundation DNC MCB AND SHINE ENTERPRISE, LLC FLLC Jake.S of all Trades L.L.C. DLLC Sacred Sage Wellness, LLC DLLC Wichmann Enterprises, LLC DLLC JMcCurdyFitness, LLC DLLC GB Home Stays, LLC DLLC Viola Lee Blues, LLC DLLC Denver Cryo, LLC DLLC Geminii Enterprises LLC DLLC Peak Interest Productions Limited DLLC 81 Farms, Inc. DPC AAFMAA Mortgage Services LLC DLLC MM1982 LTD. DLLC SPIRE GLASS AND METAL LLC DLLC 1804 W Cucharras Street LLC DLLC United Technical Support Services DPC

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KISTI FELPS BRIDGET KINGSFORD Joycelyn Hicks xavier hughley Anthony Lee Debra Barton John Waterman Nicholas Richardson Paula Reno Lucille Cousineau-York Tai Nguyen Brian OBara Michelle Matthiesen Nana Kusi Agyepong William Harrison Dan Moore Alex Sanchez Katie Krzizike Faye Podlesney Katherine Bollig Brallam Garcia Michael Hopkins Gordon Selley Ronald Graham Brent Janaky Hao Tran Matt Greene kevin jones Richard Gibbs Sarah Weiner Kevin O’Neil Melissa Radke Ryan Gagnon Zach Thompson Susan Light Eryn Walters Noel Marrero Kadi Simmons John Buckley Jeffrey Ziegler Daniel Lotter Christopher Hodges Marie Keene Daniel Garcia Dale Geist Megan King Crystal Wilhelm Terence Doherty Sandra Janzen Maribel Valentin Jacob Simon Lori Lechner

121 S. Tejon Street 8605 Explorer Dr 4685 CENTAURI RD 3960 SERENITY PL 1007 Drury Ln 3793 westmeadow dr apt#202 1155 KELLY JOHNSON BLVD 121 S. Tejon Street 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, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900Color 1155 KELLY JOHNSON BLVD 12706 Barossa Valley Rd 15 Friendship Lane 809 Tia Juana St. 1155 KELLY JOHNSON BLVD 2255 Bruno Circle 16 N Union Blvd 4 Studio Place 2803 Ridgeglen Pl 7636 Solitude Lane 121 South Tejon Street, Suite 900 1050 Skylight View 1155 KELLY JOHNSON BLVD 7848 Chasewood Loop 745 Hidden Valley Rd. 1058 Florence Ave. 5225 Water Dipper Road 17985 Bakers Farm Rd 412 South Nevada Avenue 8006 Cooper River Drive 2480 Waynoka Rd 4185 sanders view 4539 Songglen Circle 121 S. Tejon Street 5750 Huffman Ct. 1803 W. Colorado Avenue 3655 Tapestry Terrace 2106 Turnbull Drive 615 Golden Hills Road 4244 south hammock drive 1485 Kelly Johnson Blvd, #230 6555 Packsaddle Court 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 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 19555 Soaring Wing Drive 902 S. Weber Street 555 E. Pikes Peak Ave. 8425 Old Exchange Dr. 7030 Omaha Blvd 1212 Norwood Avenue 2812 West Kiowa St 1568 Gatehouse Circle S 825 Tyco Ct 4713 Shadowglen Lane 6909 McMahon St 1277 Kelly Johnson Boulevard 19445 Wingtip Road 1755 Telstar Drive 8337 TURKEY RUN DR 1155 KELLY JOHNSON BLVD 4349 Prestige Point 1155 KELLY JOHNSON BLVD 911 yuma St 4851 Saddle Ridge Dr 7152 Jagged Rock Circle 7048 Bell Circle 111 S. Tejon St., Suite 400 866 Shrider Road 1259 Lake Plaza 5362 N. Nevada Ave 2435 N. Meade Ave. 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 1155 Kelly Johnson Blvd, Suite 111 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 2711 Logan Circle 2708 Scotch Broom Point

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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. 20 - Oct. 26, 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

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PUBLIC NOTICES 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

Colorado Springs Business Journal

Oct. 20 - Oct. 26, 2017

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

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

Paso, State of Colorado. Also known by street and number as: 1867 North Circle Drive, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Lyndsay S. Ressler #37015 Ressler Law 30 East Kiowa St., Suite 101 Colorado Springs, CO 80903 (719) 578-0200 Attorney File # Bowen The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700598 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 19, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): STANLEY L MARTINEZ Original Beneficiary(ies): WELLS FARGO BANK, N.A. Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: April 01, 2011 County of Recording: El Paso Recording Date of Deed of Trust: April 06, 2011 Recording Information (Reception No. and/or Book/Page No.): 211034356 Original Principal Amount: $132,750.00 Outstanding Principal Balance: $122,798.41 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9, BLOCK 1, CIMARRON HILLS

FIRST FILING, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6757 DALE ROAD, COLORADO SPRINGS, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016129 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 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 (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. 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

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38 Oct. 20 - Oct. 26, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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 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 LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-

Colorado Springs Business Journal

PUBLIC NOTICES 38-103.1 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: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016293 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. EPC201700678 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 14, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ALAN G BLAYDES and NATASHA D BLAYDES Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for lender, MORTGAGE INVESTORS CORPORATION. Current Holder of Evidence of Debt: FREEDOM MORTGAGE CORPORATION Date of Deed of Trust: June 25, 2013 County of Recording: El Paso Recording Date of Deed of Trust: July 03, 2013 Recording Information (Reception No. and/or Book/Page No.): 213086228 Original Principal Amount: $218,239.00 Outstanding Principal Balance: $196,646.91 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 54, WILLOWIND AT STETSON HILLS NO. 4, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7663 SHIMMER CIR, 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, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 10/20/2017 Last Publication: 11/17/2017 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: 08/14/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Toni M. Owan #30580 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-125-30125 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. EPC201700680 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 16, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): CHARLES D THOMAS and MARSHA K THOMAS Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for NORTH AMERICAN SAVINGS BANK, FSB Current Holder of Evidence of Debt: U.S. BANK NATIONAL ASSOCIATION Date of Deed of Trust: October 19, 2016 County of Recording: El Paso Recording Date of Deed of Trust: November 15, 2016 Recording Information (Reception No. and/or Book/Page No.): 216132602 Original Principal Amount: $180,000.00 Outstanding Principal Balance: $178,886.40 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1, IN BLOCK 1, IN HOLLY HILLS FILING NUMBER 2, IN THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK P-2 AT PAGE 39, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 4505 S CRIMSON CIR, 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, 12/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 10/20/2017

Last Publication: 11/17/2017 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: 08/16/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Courtney Wright #45482 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-778547-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 NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. EPC201700047 To: Record Owner of the property as of the recording of the Notice of Election and Demand or other person entitled. You are advised that there are overbid funds due you. This Notice is given with regard to the following described Deed of Trust and Notice of Election and Demand: Name of Record Owner as evidenced on the Notice of Election and Demand or other person entitled: Estate of CHARLES L. FULLER Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest: 4160 PONY TRACKS DR, COLORADO SPRINGS, CO 80922 Recording Date of Deed of Trust: December 26, 2012 Recording Information: 212153659 Recording Date of Notice of Election and Demand: January 18, 2017 Recording Information of Notice of Election and Demand: 217006183 Legal Description of Property LOT 1, THE KNOLLS AT SPRINGS RANCH FILING NO. 3, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Street Address of Property 4160 PONY TRACKS DR, COLORADO SPRINGS, CO 80922 NOTICE OF UNCLAIMED OVERBID FUNDS I sold at public auction, at 10:00 on 7/12/17, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within six months from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part of the “Unclaimed Property Act”, pursuant to Colorado law. First Publication: 10/20/17 Last Publication: 11/17/17 Name of Publication: Colorado Springs Business Journal Date: 10/2/17 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee ©Public Trustees’ Association of Colorado Revised 9/2012

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