Colorado Springs Business Journal Oct 27, 2017 by Colorado Springs Business Journal

SMALL BIZ

FOCUS

csbj.com | @CSBizJournal

THE TWINE LAB

VOLUME 28, NUMBER 30 | Oct. 27 - Nov. 2, 2017 | 2.00 $

NEXT-GEN BANKING

Avoid ransomware agony, Qualtek president urges By Helen Robinson

hristopher Fagnant was in Michigan when the ransom notices flashed across screen after screen at Qualtek Manufacturing. It was the start of a long and costly cyber nightmare. As company president, he’d heard from the firm’s IT specialist after the first signs of trouble, about 45 minutes earlier. It was 8 a.m. Aug. 31, the Thursday before Labor Day weekend, when the Springs-based manufacturer learned it had been hit with ransomware. Its data and systems were being held hostage by hackers, and they’d end up paying a high price to get back to business. Nearly two months later, Fagnant talks about the emotional stress and lingering anxiety, but they’ve

reached the point “where it’s no longer every day there’s still a computer that needs to be brought back up or there’s still this that needs to be fixed.” But he’s taking the unusual step of talking publicly, and in detail, about falling victim to ransomware so that other Springs companies can avoid the same ordeal. “It’s kind of like anything else — you air your dirty laundry and you find out everybody else was kind of just keeping it under wraps,” Fagnant said. “But I’d say, more than that, it’s that I don’t want to keep my mouth shut because I don’t want it to happen to somebody else.” Qualtek was not inattentive to cyber precautions. It had a cybersecurity assessment early this year and had been fixing a list of deficiencies.

But that Thursday morning launched a costly lesson on closing the gaps. “In the grand scheme of things [the cybersecurity assessment] didn’t help us at all — but it should have,” Fagnant said. “They told us everything we were supposed to do to defend ourselves from an attack, but because we didn’t do certain things right — like the backup — we were still vulnerable.” Qualtek had onsite and off-site backups, but they discovered the hackers had deleted their onsite backup. And due to a miscommunication, their off-site backup in the cloud fell far short of what they expected. “What we determined was, the last useful image of our server was from six months prior,” Fagnant said. See Ransom page 27

Outside shot

Colorado’s outdoor recreation industry is a booming sector that directly creates 229,000 jobs and attracts $28 billion in annual consumer spending. With the nation’s largest outdoor trade show moving to Denver beginning in January, ofﬁcials from the Pikes Peak region hope to cash in on some of the increased revenue that will ﬂow into the state.

Photo by Bob Stephens

SPOTLIGHT

Marijuana is a billiondollar industry in Colorado. But what are the costs of rec weed?

Hazlehurst on investment..............3 Virtual reality in business ..............6 One-on-one: Yeager (left) ...............7 People on the Move......................14 CityBits ..........................................16 The List ......................................... 20 Other Voices................................. 28

EDITORIAL: EQUALITY, RESPECT GOOD FOR BUSINESS

56525 10751

MARIJUANA

INSIDE

2 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

CSBJ.com Poll Are you going to vote for stormwater and transportation funding in November?

Yes, I’ll vote for both. We need a dedicated

stormwater fund and three lanes to Castle Rock.

I won’t support either. I’ll vote for stormwater but not transportation. Very little work will

be in El Paso County. Let someone else pick up the bill.

61% 20% 10%

I’ll vote for transportation but not stormwater. The residential fee

structure is not fair.

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

Will you support Colorado Springs School District 11’s Mill Levy Override? See past results at csbj.com/democracy-archives

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

719-634-5905 Editor & COO Amy G. Sweet........................................ amy.sweet@csbj.com Managing Editor

Bryan Grossman......................... bryan.grossman@csbj.com

EDITORIAL Digital Editor/Reporter Helen Robinson............................. helen.robinson@csbj.com Staff Reporters Audrey Jensen............................... audrey.jensen@csbj.com Bob Stephens................................... bob.stephens@csbj.com Researcher Cristina Jaramillo................... cristina.jaramillo@csbj.com Copy Editor Mary Jo Meade....................................... maryjo@csindy.com

ADVERTISING Advertising Director

Jeff Moore................................................jeff.moore@csbj.com Account Executives

Tammy Fogall................................. tammy.fogall@csmng.com Royce Gomez...................................... royce.gomez@csbj.com Monty Hatch.........................................monty.hatch@csbj.com Vanessa Nagel................................ vanessa.nagel@csbj.com

ART AND PRODUCTION Art Director

Melissa Edwards....................... melissa.edwards@csbj.com Digital Marketing & IT Manager

Ryan Hannigan................................ ryan.hannigan@csbj.com Graphic Designers

Christine Saragian................. christine.saragian@csbj.com Rowdy Tompkins.........................rowdy.tompkins@csbj.com

SUBSCRIPTIONS Circulation Coordinator

Tim Kranz................................................... tim.kranz@csbj.com

COLORADO PUBLISHING HOUSE Chairman of the Board

John Weiss

Executive Editor Emeritus Ralph Routon..................................... ralph.routon@csbj.com Subscriptions are $89.00 for 53 issues and include monthly supplements, and the Book of Lists. Serving The City of Colorado Springs and El Paso County The Colorado Springs Business Journal (ISSN 1062-810X)(013-838) is published weekly, with two additional issues each year, by:

Publication Corporation of Colorado Springs dba Colorado Publishing Company (719) 634-5905, Fax: (719) 577-4107 235 S. Nevada Ave., Colorado Springs, Colorado 80903-1246. PERIODICAL postage paid at Colorado Springs, Colorado 80910-9651. POSTMASTER: Send address corrections to: Colorado Springs Business Journal 235 S. Nevada Ave. Colorado Springs, CO 80903 The entire contents of this publication are copyrighted by Colorado Publishing Company. Reproduction or use of content in any manner is prohibited without prior written consent.

REPRINTS Reprints are a great way to highlight your company’s employees and achievements. For customized reprints of articles you see in The Colorado Springs Business Journal contact us at 719 634-5905. $150.00 for an unlimited-use PDF.

CSBJ OPINION

Equality necessary for a thriving city The issue: Inequality leads to instability. What we think: Equal treatment is necessary for a strong, stable business environment. Tell us what you think: Send us an email at editorial@csbj.com.

hatever the beliefs regarding the platform for protest, the trend involving National Football League players taking a knee during the Star-Spangled Banner has brought new attention and conversation regarding racial inequality in our country. A growing number believe that segments of the population aren’t being treated fairly or appropriately under the nation’s laws, and just as inequality can leave a stain on issues of social justice, so can it tarnish business communities and future economic prosperity. Compare, for instance, the economic vitality of places where inequality is baked into the community’s social fabric, to those that strive for equal access to education and jobs. Compare places that treat some segments of the population more harshly when it comes to issues of justice to those where people aren’t afraid of law enforcement or their legal system. In fact, some historians claim that civil rights law combined with economic prosperity is the path to change and equality in the region. They go hand-inhand; one can’t happen without the other. Communities thrive when everyone has equal access

and each person believes they are being treated fairly and justly. Businesses thrive when they have access to a well-trained, well-educated workforce. In Colorado Springs, the economy is booming — and we’re earning national attention for our economic prosperity. We’ve been named the No. 1 mid-sized American city for human capital and lifestyle, the No. 2 most desirable place to live; we’re in the top 10 hottest real estate markets and the top 10 best big cities for active families. We’ve always been a city where everyone is welcome. In the days before integration, Fannie Mae Duncan opened a business that declared, boldly, that “Everyone is welcome!” An entrepreneur, an activist and a philanthropist, Duncan is credited for peacefully integrating Colorado Springs. She opened the Cotton Club to everyone, because failing to do so would violate civil rights, she said. When she couldn’t find housing for some of her celebrity performers at the club, she bought a mansion for them to stay in while they were in Colorado Springs. One of those guests, civil rights activist Medgar Evers, praised Duncan for her brave role in Colorado Springs. Injustice doesn’t breed a confident marketplace, nor does it create the workforce businesses need to survive and succeed in an increasingly competitive global marketplace. As we create the kind of 21st century city that we all want to live, work and play in, let’s keep Fannie Mae Duncan’s vision for the city in mind. We want to improve our workforce, grow local companies and attract companies from other cities. We can only do that if we remember that everyone deserves respect, equal treatment under the law and equal opportunities. CSBJ n

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

Letters to the editor:

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

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

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

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

OPINION: HAZLEHURST

Public-sector investment quarter-century behind

n 1989 I volunteered with the campaign to pass a bond issue for Colorado Springs School District 11. Despite the district’s obvious needs, the ballot issue failed at the polls. While dejected HAZLEHURST volunteers tried to console each other at what was meant to be a celebratory occasion on election night, Douglas Bruce crashed the party. As you might expect, he had opposed the measure. “What?” he said. “No cookies and cake for visitors?” Bruce had led a campaign of disinformation, replete with fake news and counter-factual assertions — in other words, lies. The city’s economy was shaky, the anti-public school right was gathering strength locally and a majority of voters bought into Bruce’s fabrications. I knew then that Bruce was a relentless, intelligent and vicious politician. I thought that city voters would soon understand the error of their ways and ignore his anti-tax screeds, but I couldn’t have been more mistaken. Two years later, Bruce persuaded

John

Colorado Springs voters to approve a tax-and-revenue-limiting charter amendment that turned out to be the first iteration of the statewide Taxpayer’s Bill of Rights amendment. At the same election, city voters also OK’d another Bruce-authored measure that phased out a half-cent sales tax earmarked for capital improvements. That 1991 election still resonates. Bruce’s charter amendment led to a quarter of a century of public sector underinvestment. “If that capital improvement tax had remained in effect,” said Mayor John Suthers at a recent pre-election forum sponsored by Leadership Pikes Peak, “we would have had nearly a billion dollars for infrastructure — for roads, for stormwater and everything else.” But egged on by Bruce, voters decided to kick the can down the road, and let someone else pay for it. That’s been a common (but not invariable) theme in local politics, and Bruce has always been there. Interestingly, he always reads from the same script, makes the same unsubstantiated charges and often succeeds. Makes sense, I guess. If the rubes still love your shtick, why change it? Last week’s forum (which I moderated) featured debates on the proposed city stormwater fee and District 11’s mill

levy override (see page 16). Suthers and Laura Carno spoke for and against (respectively) the stormwater fee, while Lauren Hug and (you guessed it!) Douglas Bruce discussed the D-11 issue. The latter was an interesting matchup, one that seemed to pit future against past, optimism against pessimism, young against old. Hug, an articulate, enthusiastic 30-something attorney whose children attend D-11 schools, spoke of D-11’s triumphs and challenges, of eager students and dedicated teachers stuck in buildings with an average age of more than 50 years, many without modern HVAC systems or air conditioning. She noted the effects of the statewide teacher shortage as well as the rapid changes in education, technology and workplace environments in the last two decades. Bruce recited his standard tropes. D-11 has plenty of money, but it’s all used to fund useless government administrative employees. Saying that the tax increase is “for the children” is false — “D-11 holds little children captive for the purpose of enriching D-11. They want

EMPLOYEE HANDBOOK RULE #3:

more money from struggling families.” In one of the more interesting segments of the debate, Bruce railed against the city’s 8.25 percent sales tax. Ironically, the 1991 Bruce-inspired phase-out of the Capital Improvements Program tax made necessary the .625 percent “road tax” and the stormwater fee, so Bruce bears some responsibility for that 8.25 percent total sales tax rate (including levies from the state, county, city and the Pikes Peak Rural Transportation Authority). During and after the debate, Bruce was in fi ne fettle. Despite his recent travails (a couple of stints in the slammer for tax evasion and parole violation) the old warrior still has plenty of rhetorical tricks. At the beginning of the debate he announced that he would sit rather than stand to debate, because it put him on the same level as his listeners. Bruce is our own Don Quixote, brandishing a rusty sword, and still spoiling for a fight. Good for him — but bad for our city. CSBJ

Bruce is our own Don Quixote, brandishing a rusty sword, and still spoiling for a fight.

DON’T TALK TECH.

Knowing our audience since 2001.

719.630.1280 • navakai.com

4 Oct. 27 - Nov. 2, 2017

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 one 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. Rosenna Bakari Melissa Marts Gemma Delgaudio Danielle Summerville Jennifer Dodd Susan Szpyrka Rose Durham Tara Sevanne Thomas Dr. Patricia Erjavec Lola Woloch Legacy Award Winner: Stephannie Finley Fortune Legacy Award presented by:

.FNCFS '%*$

ZZZ H/HJDF\%DQN FRP

Sponsored by:

Officials hope outdoor trade show brings manufacturers to Springs “As the state’s second-largest city, with such a sports base and focus on the he nation’s largest outdoor recsporting industry, I think this being reation trade show will move to in Denver could have a tremendous Denver in January 2018, which impact.” could create a major economic Parsons has met with representatives impact for Colorado’s capital city. But of the Colorado Springs Convention & community leaders in Colorado Springs Visitors Bureau, along with Becky are hoping some of those benefits trickle Leinweber, who is David’s wife and exsouthward. ecutive director of the PPORA. The Outdoor Retailer show was in Salt “We want to identify specific compaLake City the last two decades but signed nies that are going to be at the summer a five-year contract for three shows anshow and offer to bring them down to nually in the Mile-High City. The trade Colorado Springs on a bus and show show left Salt Lake them what the outCity because of podoor recreation oplitical differences on portunities are down environmental issues here,” she said. “We with Utah leaders. talk about getting the “It’s a big deal for ‘I-had-no-idea’ effect. Denver but also a I love it if people come big deal for Colorado to Colorado Springs as far as positioning and experience how our state as a leader — David Leinweber accessible we are, in the outdoor recrehow affordable we ation industry,” said are, what a hip culDavid Leinweber, ture we have. I love it when their reacowner of Angler’s Covey and chairman tion is, ‘Oh, I had no idea.’ That’s why and founder of the Pikes Peak Outdoor we think our best-spent dollars will be Recreation Alliance. to take a very targeted approach and Leinweber said the Springs could profmake sure they have a good grasp of it from people visiting before or after what we offer and bring them here. It’s the shows in Denver, but the “Ogden much easier to show than just to tell.” Effect” could bring the biggest benefit By Bob Stephens

“We hope Colorado Springs is attractive to those outdoor companies.”

to the Pikes Peak region. “When the [Outdoor Retailer show] was in Salt Lake twice a year, a bunch of businesses moved to Ogden [Utah] to be closer to the show,” Leinweber said. “Over the next five years, we could see a lot of companies migrate closer to Denver, and we hope Colorado Springs is attractive to those outdoor companies.” Local officials aren’t leaving it to chance, either. “It’s what we make of it. It could be a really big deal,” said Hannah Parsons, chief economic development officer for the Colorado Springs Chamber & EDC.

‘COMPELLING REASONS’ Three retail shows are scheduled in 2018: the Snow Show is Jan. 25-28, the Summer Market is July 23-26 and the Winter Market is Nov. 8-11. The shows are expected to feature hundreds of company booths showing off products to business owners in hopes of driving sales. Leinweber, who is also on the Colorado Outdoor Advisory Committee, consults regularly with Luis Benitez of the Colorado Outdoor Recreation Industry Office, who worked tirelessly to bring

Thursday, Nov. 9 11:30am - 1:30pm The Antlers Hotel Get your tickets now for $50/person! $60/person at the door

csbj.com/our-events

Photo by Bob Stephens

Becky Leinweber talks fly fishing with Angler’s Covey veteran guide Greg Blessing.

Colorado Springs Business Journal

Outdoor Retailers to Denver. Benitez said Outdoor Retailers could mean as much as $45 million per show in direct and indirect economic benefits — most of it for Denver. But, Springs hotels and restaurants might also benefit. “Everybody I talk to tries to tack on an extra day or two when they come to the show,” said Becky Leinweber. “I think a lot of those people will come down to Colorado Springs. But we’re not counting on it passively; we’re strategically trying to get some of them here.” Parsons described the Leinwebers as “the community’s ambassadors for the outdoor rec industry” and said they can help get manufacturers to visit the Springs. The Colorado Springs Convention and Visitors Bureau, along with the Springs Chamber & EDC will be a big part of the welcoming committee if manufacturers visit. “If they’re an outdoor equipment manufacturer,” Parsons said, “I’d want to make sure they’re aware of the things that we know are such compelling reasons to do business here: our available space, access to test markets, and great utility rates — that’s something manufacturing companies really value. Since they’re going to be in Denver, we don’t want them to leave the state without knowing what we have to offer. Outdoor rec is certainly not my area of expertise; that’s why we take a support position to the PPORA group. We have, I think, historically been somewhat of a small player in the outdoor rec industry but there’s the potential to be a really big player.” Trade show officials will feel at home in Colorado, Leinweber said. But whether manufacturers will follow Outdoor Retailers to the state, or the Pikes Peak region, remains to be seen, she said. The city has its competitors — Fort Collins, Estes Park and Steamboat Springs — also are lining up to pitch their cities to outdoor manufacturers. Benitez says they all have a shot at attracting businesses. “I think it is all about how regions present themselves at the show,” he said in an email. “Odgen in Utah was successful in growing as an economic cluster because their mayor went to the show, took meetings, walked the trade show floor [and] sponsored happy hours.” CSBJ n

Photo by Bob Stephens

Province, a refined senior community, invites you to discover a place where the life you live is more perfect every day, because it’s uniquely yours.

BEST-IN-CLASS WELLNESS SERVICES & AMENITIES

New is good. New keeps you curious and moving forward. At Province, we invite you to continue collecting stories by finding new connections, pursuits and memories.

ASK ABOUT OUR CHARTER CLUB BENEFITS

2960 TUTT BLVD, COLORADO SPRINGS, CO 80922 ( 7 19 ) 3 7 7 - 3 9 0 0 | P R O V I N C E S P R I N G S . C O M

Joseph Rodriguez fishes at Memorial Park’s Prospect Lake. Colorado outdoor recrecreation generates billions in consumer spending.

LIVING PERFECTED

S T R I K I N G LY S T Y L I S H APARTMENT HOMES

Oct. 27 - Nov. 2, 2017

DINING EXPERIENCES BY CHEF BEAU MACMILL AN

6 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

The future of ‘reality’ in business F

Oct. 12, is a 32-seat bus rigged with VR goggles. It shows one of two short horor some professionals, it’s easier ror films while the bus drives through to have a meeting with co-workdowntown Colorado Springs. ers from the comfort of their As part of Terror on Tejon, Shawnee homes. Instead of Skyping or Star, CEO and co-founder of TechWise, video conferencing, a growing populasaid VR Terror Tours is only the first VR tion now meet in a virtual office space project for Dreamality. or one co-worker’s living room. “The uses are really endless,” Star The app Bigscreen, for instance, alsaid. “From entertainment venues, to lows companies to share a virtual office educational venues, to training-type space for meetings, presentations and venues — you can do all of these projects without having to leave home things with this mobile virtual reality — and it’s possible platform.” because of virtual The tourism inreality technology. dustry is one sector Companies, howthat mobile VR conever, may find a pair cepts could greatly of VR goggles to be impact, Star said, useful not only for adding she would internal operations, like to create small but to attract cusVR video clips of diftomers and clients — Shane Terrell ferent places visitors as well. can go when visiting In Colorado Colorado Springs. Springs, several businesses have tak“Right now everybody comes to en advantage of the technology, using Colorado and they go pretty much to it for training, marketing, real estate Pikes Peak and the Air Force Academy. and entertainment. What if, as part of your tour … through A new VR company, Dreamality, a a VR experience you are getting tidbits subsidiary of Springs-based defense conof insight to what else Colorado Springs tractor TechWise and digital marketing has to offer?” Star said. firm AroundUS Corporation, started in In addition to offering entertainment August and is offering a mobile VR explatforms through Dreamality, Star said perience to its customers. See Virtual page 22 VR Terror Tours, which launched By Audrey Jensen

“It snowballs to active engagement or participation and that’s what you want.”

Photo by Audrey Jensen

Mac Little, co-founder of 2 Marketing Guys, takes 360-view photos for businesses’ Google listings.

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

MEMBER FDIC

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

ONE-ON-ONE

Yeager oversees advancements at The Independence Center By Bob Stephens

atricia Yeager says every job she’s had, including running independent living centers in Denver and an industry association in California, propelled her to becoming CEO of The Independence Center, a nonprofit in downtown Colorado Springs that assists and advocates for people with disabilities. Yeager oversees a $10 million budget, up 30 percent from when she took over the center in 2011. The center employs more than 300 people, many of them part-timers, with about 225 providing home health care to clients in 14 counties. Medicaid pays for about 90 percent of the Independence Center’s budget, which covers about 800 people a year that come in for peer support, advocacy and to learn independent living skills from its 80 employees, most of whom also have disabilities. When Yeager was 2, her hearing was damaged by a reaction to medication. She didn’t get a hearing aid until age 5, or a second one until she was 27. That didn’t stop her from getting a bachelor’s degree in education from Marshall University, a master’s in rehabilitation counseling from West Virginia University and a doctorate in human rehabilitation from Northern Colorado University. What did you learn from your hearing loss? That it doesn’t stop you. It was life-changing for me as a kid because I was trying to deny it, block it out, hide it. My mother tried to hide it. I never saw anyone my age wearing hearing aids when I was young. Once I stepped out, and it was probably when I was about 30 years old, I started cutting my hair and showing my hearing aids, and it was very freeing. It was much easier. How has that experience helped you run The Independence Center? I understand that helplessness feeling. I understand not wanting to deal with it, and I understand what happens when you do accept it. You integrate it into your self-image. I say this a lot: ‘If you’re mourning who you were, you can’t step into who you are.’ I spent probably the first 25 years of my life doing that. It gives me empathy for people, and it also helps me to convey to them that they can get through this. My hearing disability isn’t nearly as difficult as being in a wheelchair or being blind, but I’m here to tell people that they can get through this. What should people know about The Independence Center? We’re here to help the community, to really embrace people with disabilities of all ages. Some of our work may not feel like that when we have to advocate, and bark, but it’s done out of love and wanting to see inclusion. What’s thrilling to me is to see someone who’s been afraid to engage and thinks they’re not worth it, but then step up at a city council meeting and say, ‘This is what I think,’ and have city council vote that way. All of a sudden they think, ‘Wow, I count.’ It’s that whole thing of being accepted by someone else, and being respected. Is there a new project you’ve been working on? Memorial [Hospital] has agreed to work with us on a pilot project working with their ‘complex’ patients who are having trouble transitioning out of the hospital. The pilot will start in January 2018 and we intend to show that transitioning people with disabilities back to their own home with medical and social supports fosters better outcomes for the patient and allows the hospital to turn over that bed so that others can be served. The IC has put together a Disability Transition Services Network to include a Medicare agency, a pharmacy, medical transport and food as well as durable medical equipment. We will provide the Medicaid and the community engagement piece. We hope to disrupt the nursing home pipeline from the hospital for people with disabilities who sometimes never get out of that nursing home. Has anything else changed at The Independence Center? We have a certified nursing assistant school, which is unusual. There’s a shortage of CNAs and we decided we would buy what was called the Front Range CNA School and run it, and then have first crack at people coming out of the program for our home health care. The owners were ready to retire and we bought everything: the curriculum, the mannequins, the beds, the lease. What leadership lessons would you offer to others? There’s a book called “Servant Leadership,” and it’s all about putting others first and helping develop them. My father was a grocery man, and one day he was talking to one of the stock boys and asking him questions. I asked my father, ‘Why don’t you just tell him what to do?’ He said people don’t respond to that; people respond to being a part of things and to being respected and being asked their opinion. That is so true. I hire people who are smarter than me and play to my weaknesses, and then I help them get set up and get out of their way. I’m there to support them. People make mistakes, so expect that, but the key is how do they fix it. CSBJ

PATRICIA YEAGER We’re here to help the community, to really embrace people with disabilities of all ages.”

Photo by Bob Stephens

8 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

YOUNG PROFESSIONAL

Collier rises in real estate world T By Audrey Jensen

his September, Colorado Springs was introduced to a new real estate fi rm, Live Dream Colorado, which was opened by 36-year-old Realtor Lauren Collier and Realtor Rob Hoben. But before Collier opened her firm, and before Peak Producer ranked her in the top 10 Best Real Estate Professionals in Colorado in 2015, she traveled a long and winding path through several industries before choosing real estate. After moving to Colorado Springs from Kentucky in 2001, Collier earned her undergraduate degree in biology from UCCS in 2004 and her master’s in elementary education from the University of Phoenix in 2007. She purchased her fi rst home in 2006. That’s when she fi rst considered getting into real estate, but didn’t like the process, so she pursued teaching instead. Collier eventually realized that education was not the industry for her and reconsidered real estate in 2011. In addition to owning her own firm, last year Collier started the Idea Accelerator Podcast (ideaacceleratorpodcast.com) which highlights business owners in Colorado Springs. Collier spoke to the Business Journal this week about her experience as a young professional in real estate. How did you get into real estate? When I was 20, I had a conversation with a real estate investor who was actually a total stranger. I just had a day where I didn’t have classes and I was wandering around downtown. There was an older gentleman sitting on Jose Muldoons’ patio with a Hawaiian shirt on, and he was like, ‘Hey, want to have a drink?’ ... I thought, ‘How are you not at work right now?’ He was starting to go gray but he wasn’t that old. ... He started to tell me about his real estate investments. … He explained to me the way [owned property] gains equity ... whereas [rentals don’t] and I pretty much became obsessed with it.

What do you like about working in Colorado Springs? It’s a supportive community and there’s a lot of opportunity — it really is what you make of it. There’s sort of a loose structure in place if you’re a business owner. Some networking events ... in other communities are a little bit more stratified. ‘If you’re in this career at this age, then you need to be in this location and you can’t go do these Photo by Audrey Jensen

“The small classes, exceptional faculty and affordability made the UCCS MSA the perfect fit.” Top Ranked Graduate Business Programs Designed Around You Online MBA Ranked #1 in Colorado by U.S. News and World Report

uccs.edu/mba uccs.edu/msa

Aishia Rogers, MSA (2016) Audit Associate | BKD, LLP

other things.’ It’s not like that here. Anything that strikes your interest is basically welcome here. It’s really nice. What should Colorado Springs do to retain young professionals? The gap I see is attentiveness [given] to young business owners as opposed to young people who are employees working their way up the corporate ladder or young people who have the startup, entrepreneur mindset. ... I think it’d be great if there were more mastermind groups and opportunities for young people who really have a passion to open, start and run their own business. It’d be really cool if there were resources targeted to that population, specifically that are accessible and really meet the needs of young professionals. What does the real estate market look like in Colorado Springs? The Denver market’s last couple of posted quarters indicate a slowdown. Prices have kind of plateaued and sales are not moving as rapidly. That’s significant because the Denver market has been on a tremendous upward trajectory that no one can keep up with over the last year or two. So we usually don’t see what happens in Denver happen to us immediately, but it usually follows ... about a year later. They’re not seeing a plunge in prices, they’re not seeing a recession or a drop off. It’s just going from this absurd sellers’ market with insane overbidding with many dozens of buyers per house to something more moderate. It’s kind of steadied out and plateaued there. It’s nothing to be afraid of — just be aware. What advice would you give to other young professionals? Buy a house. I was 20 when someone gave me this advice and at the time I was trying to laugh it off and treat it like it was absurd. ... But it wasn’t absurd. I wasn’t too young. [It’s just that] no one had ever talked to me about it. I think there’s a lot of things to pay attention to in life — family, kids, jobs. It does take a lot of extra attention and time to get your loan together and get your home secured. But I couldn’t live the kind of life I live — I couldn’t do what I do — if I didn’t make that investment a very long time ago and pay the [loan] down. CSBJ n

Arts Month Feature

Partnership paints picture of possible artist housing equipment through new ventures and expanded programming; s both downtown advocates • New space in Colorado Springs would and members of the Colorado predominantly serve local artists, and Springs arts community often those who have left but would return for point out, the arts are an imthe opportunity of new affordable space. portant component in the continuing Investment in new space can be considrevival and renovation of the city’s hisered an investment in the local creative toric core. But that revival comes with economy and creative workforce; certain costs, including soaring rents for • Affordable artist housing could help downtown and near-downtown spaces. retain artists who otherwise may conSuch gentrification tends to displace sider moving from Colorado Springs; artists who can no longer afford work • New affordable housing would be or living spaces, thereby depleting the multi-generational. Artists of all ages energy, creativity and vitality that have expressed interest; and makes downtown such an attractive • The most preferred shared creative environment. spaces are active spaces that would add That’s why the Downtown Partnership vibrancy to a new multi-use facility joined with the Colorado Springs or street frontage: gallery/exhibition Creative Collective and Artspace, a naspace, classroom/teaching space and tional nonprofit based in Minneapolis, a pop-up gallery or similar retail space. to explore the feasibility of creating Swinford pointed out that Artspace’s affordable artist housing and studio model isn’t like spaces in downtown academia. Colorado Springs. “I originally thought Artspace has expethat it was competirience and credibilitive, sort of like a juty. It’s partnered with ried art exhibit,” she scores of communities said. “Actually, they’re to create and build looking for people who such projects (includare dedicated to their ing one in Colorado) art and community. In and is currently enone of their projects, gaged in 46 projects — Claire Swinford there’s a single mom in more than 30 and her 17-year-old, American cities. and the 17-year-old is After several months of studying the the artist, completely self-taught.” issue, Artspace Development released Artspace describes its model as an “afa 60-page report Monday evening to a fordable housing financed project that packed house at the Cottonwood Center combines public and private funding for the Arts. to ensure long-term, self-sustaining, “It was very favorable,” said Claire affordable housing for artists. A primary Swinford, urban engagement manager tool is the federal Low-Income Housing at the Downtown Partnership. Tax Credit program which drives private equity investment.” CONCLUSIONS Artspace presenter Teri Beaver said the average tenant stays for seven years. Artspace based its report on a survey About 235 respondents expressed inof individual artists and creatives (736 terest in moving into work/live spaces. respondents), which convinced the nonOverwhelming majorities chose downprofit that “there is a substantial need town or Old Colorado City/Westside as for new space serving the creative sector preferred locations. in Colorado Springs.” Fifty-nine percent of interested artNoting that any projects would reists reported gross annual household quire buy-in from civic and community incomes that fall at or below 60 percent leaders, Artspace made specific recomof the area median income for household mendations and observations: size, making new market-rate down• Create up to 70 units of affordable town space unaffordable for most. Only artist housing; 19 of the 235 respondents paid $1,500 • Create up to 50 new affordable prior more (excluding utilities) in monthly vate studio/creative work-only spaces housing costs. in addition to live/work housing; • Price private studio/creative workspaces up to a maximum of $300 a PROJECT FUNDING month with an emphasis on those For its projects, Artspace relies on between $100 and $200 per month. individuals, private foundations and Provide a variety of space sizes within corporations. Recurrent donors include this rental range with an emphasis on the Ford and Kresge foundations, which those between 200 and 500 square feet; have each made cumulative donations • Encourage local entrepreneurs, of more than $10 million. nonprofits and/or creative businesses to Artspace makes 15 to 20 feasibility address the need identified in this study visits annually to cities around the for short-term or occasional access to See Artspace page 10 shared creative space and specialized

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

SOUTHERN COLORADO

WOMEN'S CHAMBER OF COMMERCE

SCWCC HOLIDAY LUNCHEON GALA Tuesday, Dec 12, 2017 111:00 AM - 1:00 PM Garden of the Gods Collection I 3320 Mesa Road

By John Hazlehurst

“I think this is the right project at the right time, just as our downtown goes into hyperdrive.”

The SCWCC Holiday Luncheon Gala features a gourmet festive menu with all the trimmings, entertainment, special spirit tasting and holiday giveaway. Join us in celebrating all the successes in 2017 and learn about the exciting 2018 strategic plans for serving our members and business partners. Come one come all to celebrate business and ring In the holiday season!

$45 for Members $55 for Non-Members

Si.,Me, 1994 COLORADO SPRINGS

CONSERVATORY CULTIVATING YOUNG PERFORMING ARTISTS

BECOME A GROUND FLOOR SPONSOR OF

Jazz 93.5 FM launches October 29th! Community-supported, fresh locally-hosted programming. What you can expect: handcrafted musical selections, curated in the same quality conscious tradition as KCME Classical Radio, and brought to the community by the local jazz community. Contact Charlie or John to find out how your company can get in on the ground floor

(719) 578-5263

Jazz 93.5FM Studio Naming Sponsor:

10 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

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

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

Artspace: Creative homes project for Space to Create, a Colorado initiative to create affordable workcountry; of these, only two to four lead force housing and workspace in rural to projects. According to the company, Colorado communities. projects typically take from four to eight Partners and funders include Corazón years. de Trinidad Creative District, City of The timeline deTrinidad, Space to pends on the comCreate, Boettcher munity. All funding Foundation, History Artspace is expected to structures are differColorado, Colorado create up to 70 units of ent, and Artspace Creative Industries won’t break ground affordable artist housing and the Colorado on any project until and up to 50 new Department of Local it’s “fully supported Affairs. affordable private studio/ and fully funded.” “Artspace made Artspace has comcreative work-only spaces. its feasibility visit pleted one project in in August 2016, so Loveland and anothwe’re 14 months er is underway in Trinidad. into the process,” Swinford said of the The Artspace Loveland Arts camproject. “We have several sites under pus opened in 2016, and all of its 30 consideration — they’ll need about 2 work/live units are leased. Partners acres. I think this is the right project included the city of Loveland and the at the right time, just as our downtown Downtown Loveland Association. Trinidad Artspace is the demonstration goes into hyperdrive.” CSBJ From page 9

1977. Here’s how it works: Come on down to the Bristol Pub, and for every pint of Give! Black Lager you enjoy, Bristol will give $3 directly to the Give! nonprofit of your choosing. Just make your selection on the ballot you get with your pint. Do the same at any area Old Chicago, and they’ll donate to your chosen charity, too. Then sit back and contemplate the joys of beer philanthropy as you relish this mild, yet flavorful German-style schwarzbier. Give! Black Lager, one of Bristol’s Community Ales, will be available at the Bristol Pub and all area Old Chicagos November 2 through December 31, or until the beer runs out.

Your first real responsibility drooled a lot. Which seems pretty manageable compared to having kids in college and aging parents to care for in

2017.

One minute you’re just a kid with a new dog. The next, life’s far more complicated. That’s why a Raymond James financial advisor will partner with you to build a plan that accounts for your increasingly complex financial needs. From tuition and senior care, to your own desire to enjoy the retirement lifestyle you’ve always wanted. LIFE WELL PLANNED.

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

102 N Cascade Ave Suite 600 // Colorado Springs, CO 80903 T 719.632.0266 // T 866.279.2876 https://www.raymondjames.com/ coloradospringsoffice © 2017 Raymond James & Associates, Inc., member New York Stock Exchange/SIPC

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

SMALL BUSINESS

The Twine Lab Established: 2017 Employees: 2 Location: The Lincoln Center, 2727 N. Cascade Ave., Suite 100 Photo by Audrey Jensen

Renee Bushman, co-founder of The Twine Lab works with students 3 to 5 years old in the Mini-Makers class, which meets every Friday morning.

Contact: thetwinelab.com

The Twine Lab helps students build conﬁdence By Audrey Jensen

t first glance, Renee Bushman and Whitney Mason’s new school may seem like a daycare, but instead of playing with toys, students at The Twine Lab learn how to create and build whatever they want using tools such as hammers, handsaws and hot glue guns. The Twine Lab opened Oct. 6 in the Lincoln Center, a retail space in a former elementary school. It’s a tinkering school that offers workshops, after-school programs on Tuesdays and Thursdays for students ages 6 to 14, and a Friday morning Mini-Makers session for kids 3 to 5 years old. Tinkering schools are similar to makerspaces — teaching students creativity, problem-solving and critical thinking, according to Mason and Bushman. “We tell the students, ‘You are more capable than you believe you are. With the right materials and education, you guys are able to do quite a bit more than you think you can,’” she said. Mason and Bushman said while kids are often told they’re too young to learn how to create and build, they are more than capable of learning and working independently. “You’re exploring, you’re being curious, you’re asking questions — you’re taking something apart and putting it back together to make it cooler, to make it

yours,” Bushman said. One session allows students to recreate an object from a picture, and while it may turn out differently, the student has to use the provided tools to build it, said Mason. When Mason moved to Colorado Springs from Minneapolis in 2011, she and Bushman met while teaching at the same school. They became friends and both had kids in preschool, so they would have each other’s kids over to do building and creating activities. The Twine Lab opened after the two Colorado Springs teachers had a successful trial run in September, with about 50 students. The founders said they expect to see the same number of registered students monthly. The two teachers were also following trends across the country, and wondered why they had never heard of a tinkering school in Colorado Springs. After the success of the September trial, Bushman and Mason decided to open their doors for business. “The kids were so enthusiastic about these activities,” Mason said. “Parents would come to me and say, ‘That’s all [my kid] talks about.’ “I think there’s a need for it, and that’s how we decided, ‘Let’s do this, let’s give it a try.’” The Twine Lab classroom, which Mason and Bushman rent from Goat Patch Brewing, is a space for students to work in an unlimited learning environment, Bushman said.

“We wanted the flexibility of multi-tiered abilities where we have everything from buttons and beads to a drill press and a chop saw,” she said. “Because we really knew this was something that kids, if given the abilities to work in a creative environment without boundaries — they’ll take it somewhere.” What separates a tinkering school from planned lessons in everyday classrooms is that students are not given directions; they are only taught how to use the tools. “It’s not, ‘Come build this bowl or box,’ it’s, ‘We’re going to teach you how to use a hammer and hot glue gun,’” Mason said. “We allow them to figure it out and we try and help them along the way … there are no instructions.” So far, The Twine Lab revenue has allowed Mason and Bushman to pay the rent, but they have not made a profit. Both said they try to keep the class sizes to six students per teacher, and will create waiting lists if needed. Perseverance, they said, is what has allowed the two to open their after-school program. “We’ve been really fortunate in asking people in the community to help us,” Mason said. “Because we’re not experts in running a business. “Like a pyramid, if you build a strong foundation and add to it, it seems more manageable than doing everything at once.” CSBJ n

The wisdom that comes with time. Nobody learns to fish by watching a YouTube video. You learn from experience … from the wisdom of those older and wiser. The bait that never fails. The secret riverbank where the big ones hide in the shadows. It’s no different with your financial institution. You want a trusted source, one that has generations of wisdom to share. So, if you’ve been casting about for a better banking relationship, why not look to the community bank that’s been serving local families for 60 years? That’s banking well.

We set the standard for community banking.

www.ppnb.com

12 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

UCCS ECONOMIC FORUM SNAPSHOT

Safety-related impacts of recreational marijuana legalization

n addition to the economic and health impacts of marijuana legalization (previous articles at uccseconomicforum.com/ publications_media.shtml or at csbj. com), another important dimension to consider are the safety impacts. This would include traffic-related fatalities and other serious traffic incidents, seizures (or confiscation) of illegal or over-the-limit marijuana B A I L E Y product, diversion of Colorado marijuana to other states where it is illegal, property and violent crime rates, and homelessness. Although not an exhaustive list of safety-related metrics, these are good indicators of how our broader community is being affected by the legalization of recreational marijuana. This article will cover traffic-related metrics and the final article will discuss other safety-related metrics. Much like the other dimensions related to tracking the effects of legalization, it is important to note that safety data is somewhat compromised by two factors. One, there is typically at least a one- to two-year lag in the availability of safety-related data, and recreational

Tatiana

marijuana only became legal and available for retail sale in 2014. Two, given that recreational marijuana was previously illegal, our state did not have a robust methodology for systematically collecting information on marijuana-related crime nor methods for testing drivers for tetrahydrocannabinol, or THC, the psychoactive component of marijuana. Nonetheless, some meaningful information is beginning to emerge. To begin, measuring drivers for THC is challenging because its effects peak very soon after consumption, then begin to fall rather quickly, although lower levels of THC stay in the system for quite a while. By the time a crash has happened and a person gets tested, THC levels may be dramatically lower than when the crash occurred. Likewise, a low level of THC can remain in someone’s system many hours after consumption, complicating a true measure of impairment levels. Further clouding the issue is that marijuana-impaired drivers are often also drinking alcohol. Testing for driving under the influence of alcohol is easier and more mainstream, so many officers do not go beyond a positive DUI reading even if they suspect marijuana use. It is noteworthy that 36 percent of all drivers in Colorado involved in a fatal car crash who did test

Traﬃc Deaths Where Driver Tested Posi/ve for Marijuana (MJ) Number of Fatali/es (Colorado)

140 120 100 80

From 2006 - 2016: 279% increase in MJ fataliBes 17% increase in CO populaBon 16% increase in all traﬃc deaths

60 40

Legal and commercially available

20 0

Year Source: Rocky Mountain High Intensity Drug Traﬃcking Area Report, October 2017

Colorado Marijuana Taxes, 2016 Estimated Costs of Marijuana Vehicular Fatalities & DUIDs, 2016

$ 179,619,617 $ 182,741,590

Sources: Colorado Department of Revenue; NHTSA; RMHIDTA

Your partner through every new opportunity. Tim Stack, President 719.385.1401

Ted Mossman, VP 719.385.1406 cobizbank.com

Part of CoBiz Bank • Member FDIC

positive for THC had also consumed alcohol (CDOT). As discussed in an earlier article, the cross sensitization of alcohol and marijuana makes the effects of both together greater than the sum of each individually. The graph below shows the increase in marijuana-related traffic deaths in the past 10 years in Colorado (up 279 percent). In terms of the proportion of total traffic-related fatalities, in 2009, marijuana impairment was involved in 9 percent of fatalities; by 2016, 21 percent of fatalities involved marijuana impairment. This data may seriously under represent the attribution of marijuana impairment in traffic deaths, however, because only 44 percent of cadavers from traffic deaths have toxicology testing for marijuana. It is noteworthy that also in the last 10 years, population has increased 17 percent, and all traffic deaths increased 16 percent. If we examine DUIDs (driving under the influence of drugs), but not fatalities, the number of positive toxicology screens for marijuana rose 63 percent in the pre-legalization period (2009-2012) compared to the post-legalization period (2013-2016). Out of 1,004 DUIDs in 2016, 76 percent involved marijuana and another substance, and 38 percent involved marijuana only. A 2010 National Highway Traffic Safety Administration Report estimated that the total economic costs for a vehicular fatality were $1.4 million including property damage, medical costs, insurance costs, lost productivity and other factors. The economic costs of the 125 traffic fatalities involving marijuana in Colorado in 2016 would have been approximately $175 million. The estimated cost of a DUID in the same 2010 NHTSA report was $10,270. If we conservatively use that dated amount and apply it to the number of known DUIDs in 2016, the cost in Colorado was approximately $7.9 million. If we juxtapose these two traffic-related costs to collected marijuana taxes, the costs outweigh the benefits by several million dollars (see table). These rough estimations do not consider the fatalities or other incidents that are marijuana related but not captured via toxicology testing. Nor does this one estimate encapsulate the other various costs associated with safety or health-related impacts. What this data does show us is the importance of comprehensively examining both the revenue and cost implications of legalization. Although we are now almost four full years into recreational legalization, and it is not likely that the legal status will change, we can use the information to inform guidelines and mandatory regulations that hopefully curtail the negative ramifications now evident in the emerging data. Tatiana Bailey is executive director of the UCCS Economic Forum. To receive the monthly four-page dashboard as an Economic Forum sponsor, contact her at tbailey6@uccs.edu or 719-255-3661.

Colorado Springs Business Journal

BY THE NUMBERS: SINGLE FAMILY/PATIO-HOMES

Oct. 27 - Nov. 2, 2017

INVENTORY 5,000

5,383 4,327

3,903 2,500

2,933 2,133

2,154

UNITS SOLD 15,000

13,250

13,124

12,452

9,995

10,000

8,185 9,146 5,000

MEDIAN PRICE

$300,000

$275,000 $239,900

$250,000

$212,850

$214,882

2005

2007

$200,000

$198,500

2010

Awesome Sales Person

]

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

★

❤

2012

2015

YTD Sept.

2017

•• •

Looking for an Indy addict with experience in media sales. Do you love finding new customers and helping them succeed with a total marketing plan? Are you up for an exciting, fast-paced challenge? Are you goal oriented and success driven? Only if you can answer yes to all of these questions, swipe right. We need your cover letter and resume: jobs@csindy.com.

$209,700

More Local Businesses Trust Six & Geving 719-590-9990•3630 Sinton Road, Suite 200•www.six-geving.com

14 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

KUDOS Compiled by Bob Stephens

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

SPRINGS ISSA WINS CHAPTER OF THE YEAR

DISTILLERY 291 WINS FOR WHISKEY

The Colorado Springs chapter of the Information Systems Security Association received the Chapter of the Year award in San Diego during the Oct. 9-12 ISSA International Conference, which was themed “Digital Danger Zone.” Past Colorado Springs ISSA President Frank Gearhart was recognized as ISSA Volunteer of the Year. Scott Frisch, the local ISSA vice president, was awarded Fellow.

Distillery 291 had its “E” Colorado Bourbon Whiskey Aged 333 Days named U.S. Micro Whiskey of the Year runner-up by Jim Murray’s Whisky Bible 2018. Founded in 2011 in Colorado Springs, Distillery 291 crafts grain-to-barrel-to-bottle whiskeys that honor American traditions of whiskey-making while also paying tribute to the Rocky Mountain West by finishing its whiskeys with staves from Colorado aspen trees.

AIR FORCE HONORS LOCAL CHAPTER

APARTMENT ASSOCIATION WINS AWARD

At the recent National Air Force Association Convention at the Gaylord Resort in Maryland, the Lance P. Sijan Chapter of Colorado Springs was recognized by National AFA Headquarters as the 2017 Outstanding Extra Large Chapter of the Year. The award is based on community relations, aerospace education, overall programming, new member procurement and communications. The Sijan Chapter, named for Lance P. Sijan, a 1965 graduate of the Air Force Academy and Medal of Honor recipient, represents more than 2,000 area members in the Pikes Peak region.

The Apartment Association of Southern Colorado won the communications award from the National Apartment Association. The annual awards program recognizes excellence and leadership in the apartment housing industry, celebrating builders, industry professionals and affiliated apartment associations that make unique contributions to the industry.

RESTAURANTS EARN AWARDS Two local restaurant managers have been recognized at the national level for achieving parent com-

Michelle Gutschick

New Realtor, Doyle Team RE/MAX Properties, Inc.

Patrick Ballard

New Chief Financial Officer Penrose-St. Francis Health Services

Lisa Person

New Chief Nursing Officer Penrose-St. Francis Health Services and Centura Health South State Operating Group

pany Darden Restaurants’ Diamond Club status. Ryan Alvord, managing partner of the LongHorn Steakhouse in Colorado Springs, and John Nizzi, previously an Olive Garden general manager who was promoted to director of operations to oversee multiple restaurant locations, join a group of top-performing general managers recognized nationwide for their commitment to delivering guest experiences at the highest level. These award recipients join a group of 106 leaders recognized this year from the more than 1,500 Darden restaurant managers in North America.

BUSINESS BRIEFS PEAK STRUCTURAL ADDS SERVICES Paul Sutton’s Peak Structural, Inc., a home repair service provider in Colorado, is offering retro-fit, complete home insulation services to property owners in Colorado. For more information on SmartFoam by Peak, visit comfyhomebypeak.com.

PROFILE BY SANFORD OPENING Profile by Sanford, the nutrition and lifestyle coach-

ing service developed by Sanford Health, is expanding with two franchise locations in Colorado Springs. One will open in December at 7160 N. Academy Blvd. The second location will open early next year. Mike Kunkel, director of business development for Sanford Health, is the franchise owner. Profile is headquartered in Sioux Falls, S.D., and has stores in 14 states. Profile by Sanford combines nutrition, activity and lifestyle coaching to encourage

healthy weight loss and lasting behavior change.

SPRINGS’ BOTZLER EARNS CREDENTIAL Ria Botzler, administrator with Pine Creek Veterinary Hospital, has earned the Certified Veterinary Practice Manager designation, which is achieved by those who demonstrate the knowledge and experience necessary to successfully manage the ever-changing operations of today’s veterinary practices.

Dail y Routine

X Eat Breakfast X Grab Cup of Coffee X Say hi to everyone in the office X Read CSBJ Biz Daily email your next meeting X Be the smartest person in the room atbusines s news because you are up-to-date on local

You will receive news content that you won’t find in the print edition as well as news stories, opinions, weekly surveys & business opportunities.

Go to www.csbj.com and click on subscribe

csbj.co

m | @C SBiz

Journa

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

ON THE HORIZON Compiled by Audrey Jensen

Business Development

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

Networking Events

Regional Events

Wednesday, Nov. 1

Saturday, Oct. 28

Friday, Oct. 27- Sunday, Oct. 29

FranNet: Next Step Franchise

Golden Lotus: Mid-Autumn Luncheon

Pueblo: Mini-Maker Faire

Join FranNet Colorado for a panel discussion and presentation from business advisers to learn about starting a business and investing in a franchise, 5:507:30 p.m., Catalyst Campus, 555 E. Pikes Peak Ave., Go to nextstepfranchise.eventbrite.com to register.

PPLD: Starting a Website for Business

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.

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.

Monday, Oct. 30

SBDC: Navigate Small Business Certifications

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/our-events to register.

As part of National Veterans Small Business Week, join the Pikes Peak Small Business Development Center and learn what it means to be a minority, women and veteran-owned, small business certified firm. Presented by Rosy McDonough, 1-2:30 p.m., Catalyst Campus, 555 E. Pikes Peak Ave. Go to coloradosbdc.org to reigister.

SBDC: Franchising for Vets Learn to be your own boss with this franchising seminar, 2:30-4 p.m., 555 E. Pikes Peak Ave. Go to pikespeaksbdc.org to register for this free event.

Thursday, Nov. 2 SCORE: Small Business and Government Contracting Seminar 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 register.

SCORE: Start Up Basics Join Colorado Springs SCORE for the first SmartSTART Series workshop and learn the basics of a startup, 6-9 p.m., Catalyst Campus, 555 E. Pikes Peak Ave., $15 to attend. Go to coloradosprings. score.org to register.

CSBJ: Tom Naughton

Phantom Canyon: Day of the Dead Whole Hog Beer Dinner

Wednesday, Nov. 1

Thursday, Nov. 2

Peak Startup/Epicentral: Business Wake

Woodland Park: Fall Business Expo

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.

CSBJ: Women of Influence

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

Come to the Grand Opening and Ribbon Cutting for the Woodland Aquatic Center for events and free swimming, 2-6 p.m., Woodland Aquatic Center, 111 N. Baldwin St., Woodland Park. Go to woodlandparkchamber.com for information.

Wednesday, Nov. 1

SBDC: Where’s the Money?

BBB: Back to Basics

Woodland Park: Aquatic Center Grand Opening

Pueblo: Supremo Coffee Break

Thursday, Nov. 9

Wednesday, Nov. 15

Sunday, Oct. 29

Join Phantom Canyon Brewing Company for a celebration of Halloween and the Day of the Dead with a costume contest, beer and five-course hog meal, 6:30-9:30 p.m., Phantom Canyon Brewing Company, 2 E. Pikes Peak Avenue. $55 per person, $100 for two tickets. Go to Phantom Canyon Brewing Company Facebook to RSVP and register on Eventbrite.com.

Wednesday, Nov. 8 Learn how to find funding and resources for your business with the Pikes Peak Small Business Development Center and Robin Roberts, Pikes Peak National Bank president, 11:30 a.m.-1 p.m., SBDC offices, 559 E. Pikes Peak Ave., Suite 101, $18 fee. Go to coloradosbdc.org to register.

The Pueblo Mini-Maker Faire is a mix of 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.

Join the Colorado Springs Business Journal to celebrate this year’s Women of Influence, 11:30 a.m.-1:30 p.m., The Antlers, 4 S. Cascade Ave., $50 per ticket, $500 per table of 10. Go to csbj.com/our-events to register.

Friday, Nov. 10 - Sunday, Nov. 12 Techstars Global Startup Weekend Join TechStars Startup Weekend for a weekend of networking in Colorado Springs, listening to and pitching business ideas with other entrepreneurs, event starts at 6:30 p.m. Friday, Epicentral Coworking, 415 N. Tejon St., tickets range from $75$99. Go to communities.techstars.com to register.

The Latino Chamber of Commerce will host its Latino Supremo Coffee Break for networking with other businesses and a presentation by My Friend The Printer, 8-9 a.m., 410 W. 5th St., Pueblo. Go to pueblolatinochamber.com for information.

Join the Greater Woodland Park Chamber 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.

Tri-Lakes: Chamber Networking Breakfast Join the Tri-Lakes Chamber at a networking breakfast for 10-minute informative talks from members, 7:30-9 a.m., Chamber of Commerce Community Room, 166 2nd St., Monument. Go to trilakeschamber.com to register.

Woodland Park: Lunch and Learn Join the Woodland Park Chamber for the Chamber Lunch and Learn Series with Paula Levy, 11:30 a.m.1 p.m., Ute Pass Cultural Center, 210 E. Midland Ave., Members pay $15, general admission is $25. Go to woodlandparkchamber.com to register.

Pueblo: Networking Happy Hour Join the Latino Pueblo Chamber of Commerce for the November Networking Happy Hour sponsored by Wells Fargo, 5-7 p.m., 101 S. Main St., Pueblo. Go to pueblolatinochamber.com for information.

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

16 Oct. 27 - Nov. 2, 2017

F R E E

Colorado Springs Business Journal

B U S I N ES S

CityBits

C H E C K I N G

Think big. Work hard. Make plans.

We’ll help you get the job done with smart business banking tools. Running your business is hard, so we make it easier to do your banking. With an Ent Free Business Checking Account you get smart banking tools and immediate access, so you have everything you need to get your banking done and get back to work.

The Business Journal staff reports

DEBATE FOCUSED ON SCHOOLS, STORMWATER

Call a business specialist to get started. (719) 574-1100 ext. 6770 or 800-525-9623 ext. 6770

Ent.com/FreeBusinessChecking

Qualifications apply. Fees may apply for additional services, including exceeding 100 transactions per month. Minimum opening deposit of $100 required. For important account information, visit Ent.com/Legal. Federally Insured by NCUA © Ent Credit Union, 2016

  % $ $ 12 0 49 69 A/C or FURNACE TUNEUP

FULL SYSTEM TUNEUP

MONTH

FINANCING

FREE ESTIMATES / CALL 719-532-9000

*If paid in full within one year.

At a Leadership Pikes Peak forum Oct. 17, it was Laura Carno versus Mayor John Suthers in a debate about the stormwater fee proposal on the Nov. 7 ballot; and it was taxophobe Douglas Bruce versus Friends of D-11 campaign strategist Lauren Hug in a discussion about Colorado Springs School District 11’s attempt to raise $42 million in a mill levy override — something voters turned down this time last year. It is also on the November ballot. Carno’s arguments against the stormwater fee — which is estimated to raise $20 million designated for infrastructure and drainage projects — were simple. She said the city didn’t need a designated fund. “If your priority is stormwater, fire and police, that should be at the top of the budget,” she said. “Everything else falls under those. The money is there; it’s just not being prioritized correctly.” The mayor said the city had neglected stormwater infrastructure for far too long — leading to lawsuits with the Environmental Protection Agency and the city of Pueblo. “I can’t get into detail, but I am confident that if we have a dedicated stormwater fee, then that will help resolve the case with the EPA,” he said, pointing out that the city is spending $17 million a year thanks to an intergovernmental agreement with Pueblo. The suggested stormwater fee will be $5 on residential utility bills; and developed property will be charged at $30 an acre. Green space within a development will lower the acreage, the mayor said. “Every major city in the country has

a dedicated stormwater fee,” he said. “We need to do this.” Carno countered by saying that undeveloped land isn’t included in the fee, and that gave developers a break. She also said she spoke for “regular people.” “I’m here representing people who don’t want any more taken out of their paychecks,” she said. “No more fees, no more taxes. They’ve had enough. For people living paycheck to paycheck, that $5 is a big deal.” After a short break, Hug and Bruce took up the details of the D-11 mill levy override, which would raise $42 million for teacher salaries, building upgrades and maintenance, and paying down some of D-11’s debt. It would increase the district’s mill levy from 40 mills to about 53 mills. Surrounding school districts have rates ranging from Manitou’s 60 mills to Harrison’s 47 mills. For Bruce, the increase is too much, too soon and not needed. More competition and school choice is what kids need, he said, not additional tax burdens. But Hug said the district needs the money to repair and update buildings — some of which are 60 years old — to be able to incorporate modern technology, as well as end problems with heating and air conditioning systems, failing water pipes and a host of other problems. “We need to invest in the workforce for tomorrow — and that starts with a strong central school district,” Hug said. “This is an investment in the future.” — Amy G. Sweet

HEALTH FOUNDATION APPROVES $1.37 MILLION IN GRANTS The Colorado Springs Health Foundation Board of Trustees announced it approved $1.37 million in grants to nine organizations serving El Paso and/or Teller counties. The foundation’s mission is to provide grants that target immediate healthcare needs and encourage healthy living. This year’s recipients were the American Diabetes Association ($35,000); Colorado Springs Parks, Recreation and Cultural Services ($926,944); Council of Neighbors & Organizations ($20,000); Downtown Ventures ($100,000); El Paso County ($110,000); Kids on Bikes ($25,000); The Trust for Public Land ($90,000); Trails and Open Space Coalition ($25,000); Tri-Lakes Cares on behalf of Neighborhood Nurse Center Collaborative ($38,900). According to a foundation news release, eight of the nine organizations were awarded funds to improve “built environment,” defined as person-made spaces and places where the community lives, works and plays. Cari Davis, executive director of the

foundation, said the funding will help keep people moving. “By investing in our region’s spaces and places, we aim to make it easier and more appealing for community members to engage in greater physical activity — a key to lifelong health and wellness,” she said. Davis said the foundation is in the process of analyzing final reports from 2016 funded grantees to determine the impact of last year’s grants. She added that the foundation exists solely because of Memorial’s lease with UCHealth, which was signed in 2012. “The vision and planning of city leaders directly resulted in the foundation’s establishment, and because of it, more than $5 million in grants have been awarded to local organizations in the last two years,” Davis said. “Through the foundation, the citizens’ century-long investment in Memorial Hospital continues to benefit the health of Pikes Peak region residents.” — Bryan Grossman

Colorado Springs Business Journal

UCCS BUSINESS RESEARCH CORNER

Oct. 27 - Nov. 2, 2017

Send business questions to OPED@uccs.edu

Creating a digital strategy that can grow business Problem: I successfully took action to make our business more visible online. We have social media accounts, an updated website and have even experimented with pay-perclick advertising — but I can’t tell if it’s working! What is the secret to achieving growth through digital marketing?

o one uses the Yellow Pages anymore. That means if you have a business you must have a digital presence. The problem is that the digital landscape is more crowded than ever. This begs the question of whether your digital marketing efforts here are worth it. Figure 1 represents a decision Martin spectrum for digital marketing K E Y channels. If it appears a bit overwhelming, good. It is. The point is that unless you have a lot of money and/or a lot of time to invest in digital marketing, there are compromises that have to be made. The fi rst thing a business owner needs to consider is why they are investing in digital assets beyond a clean, professional website. At the most basic level, digital assets (website, social media, blog, etc.) are meant to enhance your business in three ways: 1) Grow a community, 2) grow brand awareness and 3) grow revenue. Each of these requires different tactics that should be aligned under a comprehensive digital marketing strategy that dovetails with your overall marketing strategy. Moreover, your digital marketing strategy must be built on an intimate understanding of your target market, their interests

Figure 1: Digital Marketing Channel Decision Spectrum Content Creation & Management

Social Media

Mobile

Platform Selection -Blogs -Social Networking -Etc.

Build/Manage Database

Campaign Strategy

Distribution Strategy

SEM SEO

PPC

Search Algorithm Alignment

Keyword Research

Digital Asset Design, Alignment, and Maintenance

Distribution Strategy

Execution

Measurement Iterative Corrections Figure 1 adapted from: Key, Thomas M. (2017). “Domains of Digital Marketing Channels in the Sharing Economy,” Journal of Marketing Channels, 24(1-2). 27-38.

and what channels they use most. Growing an online community is often the primary purpose of social media because it is easy to share content that both you and your customers produce. However, the trick here is that content has to be fresh, interesting, engaging and relevant, and support interactive two-way conversations. A good way to achieve that is through a content calendar. The content cal-

endar maps daily and weekly topics, but leaves room for topical spontaneity. Asking your followers questions, encouraging feedback and conducting contests can also produce higher levels of commitment, but be sure to stay active or followers may wander to more intriguing content. See Digital page 30

E AT , S TAY & E X P L O R E D O W N LO A D T H E A P P

SAVE THE DATE

BOO AT THE PUEBLO ZOO OCTOBER 28

PARADE OF LIGHTS NOVEMBER 25

THE GREAT PUMPKIN PATCH PANTALEO FARMS OCTOBER 6-22

PUEBLO TOYOTA HOLIDAY LIGHTING EXTRAVAGANZA PUEBLO RIVERWALK NOVEMBER 24

PUEBLO CHIEFTAIN VETERANS DAY PARADE NOVEMBER 11

ELECTRICRITTERS AT THE PUEBLO ZOO LATE NOV-DEC

Experience

18 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

Focus

BANKING QUARTERLY

Banking industry keeping up with mobile, tech-savvy customers

Ent Credit Union Chief Experience Officer Rich Scholes and Ent Marketing Research Analyst Amber Ljunggren-Chapman closely monitor how their nearly 300,000 members interact with the credit union and o

actions. It’s because customers are increasingly mobile and technology-driven, and people-to-people transfers ich Scholes knows firsthand how quickly new are completed almost instantaneously. And the banks technology can make a difference, and the and credit unions don’t want Venmo and other fast Ent Credit Union executive said the banking money transfer companies to eat into their banking industry is working hard to keep up with an business. Ent has been offering member-to-member ever-changing world. transfers since 2010. Scholes, a member of Ent’s C-level executive team, “With mobile banking on the rise, most consumers was licensing liaison at Stanford University’s Office are looking for a faster, safer and more convenient of Technology Licensing from 1998-2003. When he way to move money,” Thomas Naughton, Southern started at Stanford, two students were in their second Colorado Region president of U.S. Bank, said in an year of developing a project that became a startup email. “It’s not just for Millennials as many people are company. using their mobile devices for just about anything.” “At football games, they would U.S. Bank joined 19 of the counput something about Google on the try’s biggest financial institutions seats,” Scholes said. “I remember to roll out a program called Zelle people saying, ‘What’s this Google — short for Gazelle, as in quick thing?’” and agile — in response to the perNow, Google is so well known it’s son-to-person payment upsurge. also used as a verb, as in “Google it.” Zelle launched in U.S. Bank’s moGoogle led the way for other interbile app and on its website in June. net mainstays — and the latest is one Zelle also offers an Android and — Rich Scholes that banks are paying attention to. iOS app for users whose bank is not Venmo was created in 2009 by in the network, so customers who two University of Pennsylvania stubank at 49 separate financial instidents who wanted an easy way to exchange money. It tutions can use Zelle. Transfers can only be made to grew quickly and is now owned by PayPal. other people who have the same capability. “PayPal is old school,” Scholes said. “It’s not the “Zelle is a new, faster payments network backed by popular cool thing like Venmo.” a large and growing number of the country’s most On college campuses these days, students will say, innovative financial institutions, including U.S. Bank,” “Venmo me,” as in, “Send me some cash.” Naughton said. “It provides consumers with the abilVenmo also offers a social experience with its peoity to quickly send their friends and family payments without ever leaving the security of U.S. Bank. U.S. ple-to-people money transfers, but that’s not why the Bank is committed to meeting the needs of consumbiggest banks and credit unions like Ent have developed ers who are looking for new ways to pay. With Zelle, their own technology for these types of financial transBy Bob Stephens

“Zelle is emerging as a likely standard because a lot of big banks are behind it.”

U.S. Bank delivers an innovative user experience that builds on our trusted relationships with consumers.” Naughton said Zelle “can be used to send or receive money to or from almost anyone in the U.S., regardless of who they bank with, and money sent with Zelle is typically available to the recipient within minutes.” Potential users can check the list of eligible banks at zellepay.com/get-started.

CONNECTION MAY INCREASE Navy Federal Credit Union has offered member-to-member transfers since 2010 through its website and since 2013 with its app. Neither Ent nor Navy Federal Credit Union are part of the Zelle network, but officials at both credit unions said that could change. “Zelle is emerging as a likely standard because a lot of big banks are behind it,” said Scholes, who is Ent’s first chief experience officer. “We’re actively monitoring that. [Connecting with Zelle is] certainly on our radar.” Tim Day, assistant vice president of digital channels at Navy Federal Credit Union, said member-to-member payments are particularly popular with younger generations. “[Peer-to-peer] is already a mainstream activity among many people, particularly Millennials,” he said in an email. “This will only continue as more people become comfortable with technology, and as they have more options to send payments. Mobile is the No. 1 way that members interact with us on a daily basis. Our commitment to member service ensures we’ll continue to create new experiences to serve them on mobile and other devices they use frequently.” Day said that over the last month, 40 percent of

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

NEXT WEEK

MANUFACTURING

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

other members, and work to provide more tools to make member transactions easier.

Navy Federal members have used mobile banking. Scholes said that in September, Ent members made 318,879 transfers between accounts and that 93,447 of those (29.3 percent) were Ent members transferring to each other. Ent is exploring methods of connecting with other banking institutions to make person-to-person payments possible, Scholes said. “There is a lot of innovation in the payment space,” he said. “We thought the digital wallet would be the big thing for a while, and now there is Apple Pay, Android Pay and Samsung Pay. This all has less to do with businesses than it does with individuals sending money to each other. But it’s become very easy to send money.” Before Zelle, the big banks’ system was called ClearXchange and it processed about $175 million in payments each day, according to a Los Angeles Times article, while Venmo was processing about $54 million a day in 2016.

PERSONALIZED DRIVE-THRU As Ent works to keep up with technology, it has also rolled out a new interactive teller system at some branch drive-thru windows. “It’s meant to personalize and replace the old system,” Scholes said. “You can

stay in your vehicle and get a more personal experience.” Scholes said that Millennials and those even younger crave speedy and easy technology. “The younger generations want super computer speeds and they also want to be incredibly connected,” Scholes said. “We’re looking at ways to let people work with their money and seeing how easy we can make it.” Smaller banks may not have the technology or the capital to embrace these new technologies, Scholes said. “The volume of regulations have made banking safe and reliable but that also makes it complex and expensive,” he said. “Many may not have the funding in-house.” Scholes said he thinks technology and the banking industry will continue to change quickly over the next decade. “These are exciting times with all the tech tools out there,” he said. Day said Navy Federal Credit Union is also working to keep up with the ever-changing times and give its members what they want. “Our data shows that our members are mobile — so we look for ways to provide innovative mobile banking tools,” Day said. “Digital is changing the way consumers interact with banks and credit unions, and we fully expect this trend to continue in the future.” 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

20 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

THE LIST: SBA LENDERS

SBA Lenders

Ranked by Dollar Volume of SBA 7(a) Loans in Fiscal 2017

From The Book of Lists & Power Pages

Ranked by Dollar Volume of SBA 7(a) Loans in Fiscal 2017

Dollar Volume of SBA (7a) Loans in El Paso County in FY 2017 $13.96M

Total 7(a) Loans in Person in Charge, Title El Paso County FY 2017 7 James S. Mahan, CEO, Chairman of the Board

Year Est.

Live Oak Banking Company 1741 Tiburon Dr. Wilmington, NC 28403

Phone Website Email 877-890-5867 liveoakbank.com via website

Wells Fargo 90 S. Cascade Ave. Colorado Springs, CO 80903

719-577-5496 wellsfargo.com N/A

$11.39M

Ryan Stephens, Region Bank President

1852

Central Bank & Trust 1 S. Nevada Ave., Ste. 100 Colorado Springs, CO 80903

719-228-1100 centralbancorp.com Tony.LeVeque@centralbancorp.com

$6.27M

Ron Johnson, President and CEO

2009

Peoples National Bank 5175 N. Academy Blvd. Colorado Springs, CO 80918

719-531-5577 epeoples.com loans@epeoples.com

$4.68M

Cynthia Leonard, Senior Vice President

1976

Meadows Bank 8912 Spanish Ridge, Ste. 100 Las Vegas, NV 89148

702-471-2265 meadowsbank.com N/A

$4.60M

Arvind A. Menon, CEO, President and Director

2008

Commonwealth Business Bank 3435 Wilshire Blvd., Ste. 700 Los Angeles, CA 90010

323-988-3000 cbb-bank.com N/A

$2.94M

Joanne Kim, President and CEO

2005

Seacoast Commerce Bank 7484 Upton Court Castle Rock, CO 80104

303-518-2551 sccombank.com mbierman@sccombank.com

$2.94M

Richard M. Sanborn, President and CEO

2002

NOA Bank 3033 S. Parker Rd., Ste. 500 Aurora, CO 80014

720-925-5978 noabank.com N/A

$2.55M

Woo Shik Chang, LPO Manager

2008

U.S. Bank 6 S. Tejon St., Ste. 300 Colorado Springs, CO 80903

719-630-4344 usbank.com/sba N/A

$2.10M

Thomas Naughton, Regional President

1863

Hanmi Bank 3660 Wilshire Blvd., PH-A Los Angeles, CA 90010

213-382-2200 hanmi.com callcenter@hanmi.com

$1.88M

Chong Guk Kum, CEO and President

1982

Rank Name Address

Thus far in 2017, Central Bank & Trust has reinvested approximately $100,000 in Colorado Springs’ small business and nonprofit community.

U.S. Bank participates in an environmental initiative aimed at reducing its operational greenhouse gas emissions 60 percent by 2044.

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

Don’t miss The List Nov. 3: Manufacturing Companies Nov. 10: Office Furniture Companies/Office Equipment and Supplies Companies Nov. 17: Advertising, Marketing & PR Firms

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.

Nov. 24: Catering Companies This is the top listing of SBA Lenders that responded to questionnaires, notices and telephone inquiries.

Want to reach affluent consumers and business decision makers? 91.5 KRCC can deliver. Over 75,000 listeners tune in for 91.5 KRCC’s great story telling and NPR’s rigorous reporting, and they appreciate the informative, non-commercial approach our sponsors use to market their businesses and services. Become a sponsor today. For rates and schedules call (719) 473-4801.

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

2008

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

Congratulations! Axe and the Oak Cherwell Software Colorado Computer Support Lee Spirits Company Mortgage Solutions Financial Peak Dental Services Peak Medical Colorado Peak Structural Inc. Revolution Jewelry Works Social SEO

o ou t s! y k Thansponsor our

Chri

stop

C PA SBD tti C e l o Cip her

22 Oct. 27 - Nov. 2, 2017

Read the CSBJ on the go

Virtual: Tech has business uses From page 6

TechWise is also offering new VR services to her clients. “[TechWise] does a lot of training for the military,” she said. “So if we’re training on how to lead a convoy of tanks with virtual reality, you don’t even have to be in a tank, but you can look like you’re in a tank … so you can make the decisions that need to be made in a real-time environment without all the investment of equipment that is usually required for training.” Star was not willing to say how much TechWise invested in VR equipment for defense contracting, but said VR Terror Tours invested $350,000 in equipment and development.

VR ENGAGEMENT

VISIT CSBJ.COM ON ANY MOBILE DEVICE Read, Share, Repeat

Colorado Springs Business Journal

VR has been widely used to entertain thanks to companies such as VR Terror Tours and Epic Vr, a VR arcade located in The Citadel mall. But it can also be used to attract clients and engage employees. Headqua r tered in Texas, VirtualRealityRental.co assists businesses with marketing and employee engagement efforts through VR. These services are used at events such as trade shows, conferences and office parties. Shane Terrell, sales director for VirtualRealityRental.co, said while VR is mostly used for entertainment, this

keeps customers at trade shows interested in a company’s booth so there is more time to inform and educate them. “It snowballs to active engagement or participation and that’s what you want,” he said. A Denver company Terrell worked with this week requested an informational VR video for their customers as opposed to a game, he said. “It’s entertaining because you put on a headset and are immersed in the environment, but you’re learning about the product,” Terrell said. Another client, a college, asked VirtualRealityRental.co to create informational videos for prospective students about majors for a career fair. “Realistically it’s not made to entertain people, it’s made to educate people,” Terrell said. “[But] the beauty of the art is it can be both.” Real estate is also an industry benefiting from using VR, Terrell added. Buyers can take virtual tours of houses on the market with a VR system. “You can get that many more people to tour a place from the luxury of [their] own home,” Terrell said. He said while VR will primarily be used for entertainment, businesses may find more uses for augmented reality, which displays a computer-generated image in the real world as opposed to a virtual world. The recent Pokémon Go craze is an example of augmented reality used for entertainment purposes.

In Colorado Springs, marketing firms such as 2 Marketing Guys and Bourbon Street Productions offer VR marketing services to their clients. Mac Little, co-founder of 2 Marketing Guys said when his marketing company started, his team would use the Bigscreen app for meetings, but eventually moved into an actual office as they grew. Little said he doesn’t expect VR to be widely used for another three to five years, despite the fact that last year $1.8 billion was spent globally on VR and about$4.9 billion is projected to be spent on VR in 2017, according to VR Scout, a virtual reality industry news site. By 2018 the number of active VR users worldwide is projected to reach 171 million, which is up from 90 million in 2017, and 43 million in 2016, according to Statista, an online market research company. That’s largely thanks to how affordable some of the equipment has become, as headsets can cost as little as $15. “It hasn’t reached that mass adoptance tipping point where people are spending an hour a day on it,” Little said. “I think it’s still kind of a novelty, but there are cool examples of apps that people are using and they’re trying to make a transition of it to where you don’t even need a VR headset. “I think that it’s all about the ease of adoption,” Little said. “I don’t think there’s like a super practical use for it every day.” CSBJ n

in today’s mobile world shouldn’t your phone system

be mobile?!

Transfer calls to and from mobile as easy as transferring calls in the office with PhonePipe. custom music/marketing on hold · excellent for multi-location business voicemail to email · manage via any internet connection find me follow me feature · dial-in conference calls · superb quality no trip charges · locally owned · easy to use · complimentary consultation

For your complimentary consultation call Roger 719.359.4343

Colorado Springs Business Journal

BY THE NUMBERS: EL PASO COUNTY PUBLIC HEALTH

Oct. 27 - Nov. 2, 2017

The Environmental Health Division of El Paso County Public Health works to promote a safe environment for all residents of El Paso County. Environmental Health provides services to protect the food we eat, the water we drink, the air we breathe and the places we live, play and work.

Environmental Health annual staff hours spent inspecting facilities: Retail Food .......................................................... 15,500 hours Onsite Wastewater Treatment System ............. 4,000 hours School Laboratory Safety ......................................900 hours Public Swimming Pool Inspections ......................750 hours Child Care Health Inspections ..............................800 hours Conducting plan reviews of new or remodeled retail food establishments to assure proper design ..................................... 1,700 hours Body Art.....................................................................600 hours Air Quality ..................................................................450 hours Waste Tire .................................................................500 hours

24 Environmental Health staff members

Staff hours on education:

250 hours per year teaching food safety to food workers

The Public Health Laboratory provides: 2,300 private well water tests annually 3,400 microbiological water tests annually for public water systems Facilities

Inspections

Body Art

Child Care

339

264

Retail Food

2,668

5,078

2017 State of the Region “Innovations & Advancements”

11:30 a.m. to 1:30 p.m., Thursday, Dec. 14 The Antlers Hotel, Colorado Springs Please PreRegister at: www.ColoradoSpringsChamberEDC.com $55 per person - Member $60 per person - Non-member $550 per Table of 10

You’re invited to join Board of El Paso County Commissioners President Darryl Glenn as he highlights a year of innovations and advancements making county government data more accessible than ever before and improving efficiency and providing better service to citizens. The State of the Region is also an opportunity to recognize individuals serving in business, non-profit and public sectors who are building an even brighter future for our region through collaboration and innovation.

24 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

MUSIC & DANCE

N Nex ov t em T be our r 4

WEEK

91.5 KRCC IS PROUD TO SUPPORT MUSIC & DANCE

Art and history tours â&#x20AC;¢ First Saturdays at 10am

Through a partnership with COPPeR, we present a weekly events segment from Peak Radar on Thursdays on 91.5FM and at KRCC.org.

Tickets $10 at DowntownCS.com.tours

Community-supported, fresh locally-hosted programming. What you can expect: handcrafted musical selections, curated in the same qualityconscious tradition as KCME Classical Radio, brought to you by local jazz experts. Contact Charlie or John to learn how your business can become a ground door sponsor of Jazz 93.5 FM!

R 29 TUNE IN FOR OUR LIVE LAUNCH - OCTOBE www.Jazz935.org | (719) 578-5263 1921 N. Weber Street Colorado Springs, CO

Jazz 93.5 FM Studio Naming Sponsor:

at NOON!

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

MUSIC & DANCE

supporting

ARTS MONTH

musiC & daNCe

This 1997 50-kroner ner bank note celebrates Swedish singer Jenny Lind (1820-1887) and features notes from Belliniâ&#x20AC;&#x2122;s opera Norma. See it and more!

818 N. Cascade ave. â&#x20AC;˘ money.org/money-museum

celebrate

MUSIC & DANCE

learn more at VisitCOS.com/art

Take a local dance class

Take some vocal lessons

Attend the Philharmonic

Rock out at The Gold Room

Try something new during Arts Month.

PeakRadar.com/ArtsMonth

26 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

MUSIC & DANCE

NOW ON SALE—SUBSCRIBE TODAY!

Don't miss this exciting music and dance series debuting in the new Ent Center for the Arts!

TICKETS • 719-255-3232 UCCSpresents.org PeakRadar.com/ArtsMonth

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

Ransom: Most of those hacked pay up to retrieve data From page 1

So the hackers were holding half a year’s worth of data hostage, along with everything else on the server: digital work instructions, accounting software, email, and Qualtek’s material requirements planning system, which included order entry, invoicing, work order generation, shipping and documentation. “None of that was accessible,” Fagnant said. “We knew relatively quickly that we were going to have to pay a ransom. “It was one Bitcoin per [system] that we needed to unlock, and we were lucky — sort of,” he said. “There’s two ways to look at it. One, we shouldn’t have all the stuff we need on one workstation — i.e. one server — but two, we only had to pay one Bitcoin to get that one workstation back.”

The day they paid the ransom, one Bitcoin was worth $4,850. While the FBI says it does not support paying a ransom, in part because there’s no guarantee the victim will get their data back and in part because it “emboldens the adversary,” a 2016 IBM study showed that 70 percent of ransomware victims pay up. EosEdge Legal cyberlaw attorney Doug DePeppe

“I don’t want to keep my mouth shut because I don’t want it to happen to somebody else.” — Christopher Fagnant

VOTE YES ON 2A

Did you know Colorado Springs is the only major city in the country that does not have a dedicated fund to properly maintain its stormwater drainage and flood prevention?

THIS NOVEMBER, VOTE YES ON 2A FOR: • Improved roads and bridges • Better protection against natural disasters • More police officers on the streets • Improved parks and trails • More efficient use of your tax dollars We can achieve all this with a $5 monthly charge dedicated to 71 specific projects impacting neighborhoods across Colorado Springs.

Learn more at investincos.org. Paid for by Invest in COS. Chris Blees, Treasurer

said the ransom “is a business decision for the victim. “While paying the ransom promotes more attacks, if the encrypted data risks destroying the business unless the ransom is paid, I suppose there are not many good options,” he said in an email. For Fagnant, it was “not a money thing — $4,800 to get your entire business back, it was sort of a no-brainer.” But when you’ve never used Bitcoin, how do you navigate the payment? “The screen basically gives you those instructions and says in order to pay, you need to pay via Bitcoin. But in order to pay via Bitcoin, you need a Bitcoin wallet ... and normally it takes a number of days to set one of those up, even if you have the money to just put in there,” Fagnant said. In the end it took help from five organizations — and a couple of false starts — to get that job done. In the meantime, Qualtek leadership worked frantically with their IT support company as well as the firm that did their cybersecurity assessment, Springs-based IT consultants Navakai, who they’d been interviewing to take over IT support. “The whole day was just going as fast as you can — super high stress trying to do as many things as we can to get this stuff up and going,” Fagnant said. Alongside the highly technical rescue operation, Qualtek had to turn back the clock a few decades on operations, hand-writing detailed documentation for parts that needed to be certified. Fagnant said customers were “empathetic and understanding ... but I think if I read between the lines, everybody in the back of their minds is going, ‘How do you let this happen?’ And they’re right … It would’ve been a lot easier if we’d had a [server] image from even a week before. Then it would’ve been: ‘I’m not going to pay the hackers and I’m not going to keep fueling this broken system that allows them to do this’ — but we didn’t. We just weren’t in that position.” Qualtek had secured cyberliability insurance just a couple of months before the attack, and without it, “right now, at least, I know I’d be about $45,000 in the hole,” Fagnant said. Qualtek has a $10,000 deductible to pay, and Fagnant has advice for other companies: “Trust but verify. That’s it. “Make certain that you know what you have in place. … Whatever you think you have, make sure you know what it is and don’t be afraid to spend what sounds like a lot of money now to save yourself a lot of money later. “The off-site backup process has to be robust. ... That’s really what I’ve been going around telling people: If it’s on your list of things to do, make it the thing you do today.” DePeppe also emphasized preparedness. “Establish vendor and cyberlaw relationships now, and investigate insurance options,” he said. “Network backup is a key preparation step.” Regularly backing up data and verifying its integrity also heads the FBI’s list of recommended defenses. Its other recommendations include: • Secure backups and make sure they’re not connected to the computers or networks they’re backing up; • Be suspicious of links in emails and do not open attachments in unsolicited emails; • Only download software from sites you know and trust; • Keep application patches up to date for operating systems, software and firmware; • Set antivirus and anti-malware solutions to update automatically; and • Report any ransomware attack to the local FBI office or file a complaint with the Internet Crime Complaint Center at IC3.gov. CSBJ n

28 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

OTHER VOICES

Inaction is more costly on stormwater

encourage Colorado Springs to put the stormwater issue to bed for the next 20 years by voting for city question 2A. The structure of 2A is not perfect, but it is simple and sufficient for moving the community forward. Having concerns about any initiative is normal, but at some point we must accept the 70 percent solution as good enough for action. Ten years after starting, we have no defined funding stream to take care of the stormwater problem we create as we urbanize. Urbanization alters the direction, magnitude, duration and quality of water flows that result from outdoor irrigation and storm events in developed settings. Some opponents to 2A have tried to pin the problem on land developers. That’s nonsensical and misleading. Developers respond to market demand to urbanize with private capital by building facilities and infrastructure in conjunction with our local governments. For at least two decades, going back to the early days of stormwater awareness, the city of Colorado Springs has required water be detained on new development sites via ponds and developers have complied. Developers have also paid drainage fees to the city to help cover a pro rata share of drainage issues created away from their development. This is not to say the process was perfect,

but don’t oppose 2A “because developers create the problem.” Take responsibility for our problem. A 2012 Summit Economics’ whitepaper outlining the options for addressing stormwater forewarned: “Inaction is BINNINGS the loss of self-determination. The consequences of inaction regarding stormwater funding … may include regulatory enforcement, litigation, further deterioration of public infrastructure and the natural environment, continued risks to property and public safety, and the continued opportunity loss of potential recreational assets” (p.8). Unfortunately, our forecasts came true in 2015 when the Environmental Protection Agency, Colorado Department of Health, Lower Arkansas River water providers and the city of Pueblo sued Colorado Springs for inaction. Pueblo, as our downstream neighbors, felt betrayed by Colorado Springs forming a stormwater enterprise during the permitting process for the Southern Delivery System, only to close the enterprise after Pueblo cooperated to help ensure our fresh water supply. Don’t blame Pueblo. We would

Tom

feel misled under similar circumstances. Neither should we blame the EPA which, granted, is known for overreach when it comes to regulations. While I oppose government intrusion in many cases, often arguing for market-based solutions to community problems, such is not the case with stormwater since our inaction, no matter how small or innocent, can negatively impact the lives of others in dramatic ways. In this sense, stormwater is a moral issue. We should abide by the Golden Rule (do unto others as you would have them do unto you [Matt. 7:12]). There would be no need for “overreach” if we accepted our duty as good neighbors. Today, there are well over 500 stormwater utilities throughout the nation, and even more communities with dedicated funding streams, charging fees to fund the systems. It is clear Colorado Springs stubbornly lags the nation in fixing this with sustainable funding. Some attempt to justify a “no” vote by claiming the city of Colorado Springs has plenty of money and is only getting richer given a robust economy. They insist we should fund stormwater out of the general fund. Remember, robust economies don’t last forever and the Taxpayer’s Bill of Rights formula allows for no real government growth after adjusting for inflation and pop-

ulation increases. Given stormwater is a new moral mandate that has only surfaced in the last few decades, under current arrangements stormwater can only be funded if we give up something else. What else should we give up? To Mayor John Suthers’ credit, he has been forthright about what we will be giving up — additional police and fire services that are already understaffed. I strongly encourage citizens of Colorado Springs to support 2A. The 2A initiative is simple, straightforward and limited to 20 years. Its passage allows us to take the needed long-term perspective, settle litigation and do what is right. Trying to find a perfect solution or refusing to truly understand the problem is inaction. From everything I’ve seen related to stormwater over the last 10 years, continued inaction will only lead to far worse consequences as this is an unavoidable issue. Tom Binnings is a senior partner of Summit Economics who co-authored a study in 2012 on the regional stormwater challenge. The whitepaper study and its appendix can be found at summiteconomics.com/wp-content/uploads/2012/10/ WHITE_PAPER_REPORT-FINAL.pdf). His opinion here is personal and does not represent an ofﬁcial position of Summit Economics.

IT’S ALMOST GIVE! CAMPAIGN SEASON! Visit 75 local INDYGIVE.COM nonprofits worthy of your support. beginning Nov. 1 to see how you can support and get involved with the local nonprofit scene, earn rewards, win prizes, get your donations matched, and help your favorite nonprofits win grants, media coverage and so much more…

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

LETTERS TO THE EDITOR

City does not need 2A stormwater funds

s the purpose of ballot question 2A to fund the city’s stormwater program, or is it actually to provide an $18 million/year windfall for the Mayor and City Council to use however they wish to do so? The city and Colorado Springs Utilities are obligated by the Southern Delivery System Intergovernmental Agreement to spend $460 million on the city’s stormwater program through 2035. CSU will provide about $36 million leaving the city to fund the remaining $424 million. City Council has agreed to dedicate, from the general fund, all the funding necessary to satisfy this obligation through 2035. So, at this point it would seem that the city’s stormwater problem had been solved! The stormwater problem was solved until August when Mayor John Suthers said he wanted to take all of the funds from the stormwater program — again about $18 million/year — and use some of it to pay for more police and firemen and to raise their pay, some to replace many of the city’s “aged out” vehicles, some to provide improvements needed to the city’s parks, and the rest to do some other things. The mayor does not want to justify any of these needs and wants, nor does he want to go to the voters and ask them to approve an increase in sales or property taxes to fund them. So the mayor’s plan to replenish the funding for the

stormwater program is to establish not a new tax, but a service fee on some property owners, and manage the fee through a new stormwater enterprise. The mayor claims that although the city has the authority to impose a stormwater service fee without voter approval, he will ask the voters for their approval to do so. The city’s stormwater program has been divisive and contentious ever since the Stormwater Enterprise — or SWENT — was put in place in 2005. Although the voters did not like the city doing this without their approval, the problem with the SWENT was that it was a business and as such had considerable leeway in how it operated. It was not controlled as tightly as the other departments in the city. The divisiveness seemed to settle down when city council terminated the fee that funded it in 2009, ending the SWENT. In 2014, several municipalities, including the city, joined together to try to form a “stormwater” authority that would have been funded again by a fee. The voters, especially the city voters, still had a bad taste in their mouths from the SWENT, didn’t like the regional approach to stormwater and said no to the authority and the fee. Today, the mayor is trying to resurrect essentially the same Stormwater Enterprise and fee that the citizens grew to hate from 2005-10. Although public schools and nonprofits are exempt from paying property taxes, owners of vacant land do

pay property taxes. The mayor is reversing this with the fee he is proposing requiring public schools and nonprofits to pay the fee, but exempting owners of vacant land from the fee. Why would the mayor even consider making our school districts pay a stormwater fee when they are all underfunded? Colorado Springs School District 11 is not only hurting for funds, but screaming. Why would the mayor want to reduce the services being provided by nonprofits such as the Marian House, Care and Share, Springs Rescue Mission, Boys and Girls Club and many others by requiring them to pay the fee? And then there is the question: Why would the mayor exclude developers and other owners of both developed and native vacant land from paying a stormwater fee? It is obvious that the mayor put this proposal together in haste to meet the deadline to get it on the November ballot. I am very proud of the three council members who not only identified the many problems with this proposal during their deliberations at several council meetings, but also refused to support the issue and jump on the mayor’s bandwagon, as the other six council members did when they approved putting the question on the ballot. On Nov. 7, I am confident that I will be joining council members Murray, Knight and Pico when I vote no on 2A. — Vince Rusinak, owner, Rusinak Real Estate Inc.

Vote yes on 2A to fix our stormwater problems

top metro area to start a business. The second-most desirable place to live. One of the 10 hottest real estate markets to watch. Colorado Springs is taking its rightful place among the best cities in the country, as evidenced by these and other recent rankings. Unfortunately, we also lay claim to a less favorable status — the only major city in the United States without a dedicated fund to properly maintain stormwater drainage and flood prevention. While “Best Of” and “Top Place” rankings make attractive headlines, they are not a solution to our community’s long-standing stormwater problems that affect businesses and residents. • Our city’s stormwater drainage and flood prevention infrastructure has deteriorated to dangerous levels, leaving our city vulnerable to damaging floods and impaired water quality. • We are fighting a costly lawsuit from the Environmental Protection Agency, which along with the State of Colorado, has sued us for violating municipal stormwater standards. • Because we don’t have dedicated funds for stormwater drainage and flood control, the city’s general

fund is strained and other priorities, such as police staffing, are suffering. • Eroding stream banks threaten our roads, bridges and utilities lines. • Costly damage is being done to our parks, trails and open spaces. Colorado Springs is a growing, thriving community, and our infrastructure must keep up. We can take the lead and be part of the solution by voting YES for 2A this November. Supported by business leaders and residents alike, City Ballot Question 2A asks voters to approve a small monthly charge — $5 for residential and $30 per acre for non-residential — that would be dedicated only to stormwater drainage and flood prevention infrastructure. These funds, stewarded by a committee of citizens and sunsetting after 20 years, could only be used for a specific list of 71 improvement projects across Colorado Springs and related stormwater maintenance. The charge is comparable to or lower than other cities with similar programs. Voting YES on 2A means: • improved roads and bridges; • better protection against natural disasters;

• more police officers on the streets; • improved parks and trails; and • more efficient use of your tax dollars. The proposed dedicated funding commitment would allow Mayor John Suthers and Colorado Springs City Council to free up general fund money for priorities such as public safety, instead of being used on piecemeal fixes to our stormwater drainage and flood control system. Furthermore, a dedicated stormwater fund will use taxpayer money more efficiently. If we don’t invest now, it’s going to cost us more in the long run. The Colorado Springs Chamber of Commerce & EDC’s Board of Directors and Government Affairs Council both endorsed City Ballot Question 2A. We believe so strongly in the need for this measure that we are managing the “Invest in COS” campaign, and we have made a sizable contribution of funding and staff time to its success. It is past time we properly fund our city’s stormwater and flood prevention. This election, be part of the solution. Invest in Colorado Springs and vote YES on 2A. — Dirk Draper, president and CEO, Colorado Springs Chamber of Commerce & EDC

Support local business news

Subscribe to the CSBJ for only $1.71 each week for the best home-grown business news.

Call 634-5905 or visit CSBJ.com

30 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

Digital: Marketing brand may require intentional focus From page 17

Growing a brand via digital marketing requires intentional focus on your brand’s personality. All the content you produce, whether it’s for an online text ad, a video, newsfeed, mission and vision statements, or something else represents your brand. Do you want to establish yourself as an expert in a certain area of your industry? Use an educational and informative approach that represents how serious you are about the integrity of your company and its offerings. Do you want to be entertaining? Use humor to capture attention and share what a great business you are for a fun and light-hearted customer experience. Regardless of your brand objectives, the point is to be aware of how your communication style and format influences what people perceive about your business and your brand. Growing revenue means that you are able to translate your digital marketing efforts into paying customers. The focus has to be on finding authentic and meaningful ways to communicate the value

you offer your customers in as many ways as you are able. This means you are thinking, planning, executing, measuring and making changes based on what you learn in the process. Here are a three action items to get your digital marketing efforts started: 1. Align your metrics with your goals from the beginning. Even the largest corporations with enormous digital footprints struggle to know what a Facebook “Like” is actually worth. In order to know if your goals are being met, you need to put some thought into what you’re trying to achieve and how you are going to measure the results. For example, the effort required to hold the interest of a few thousand Instagram followers is considerable. Make sure you’re thinking about how that investment converts to revenue and profits. 2. Don’t try everything at once. Be strategic, discerning and willing to try alternative tactics. The decision spectrum in Figure 1 is a starting point for pursuing customers in the digital landscape. Use whatever built-in analytics your platform provides to measure user behavior. Apply

that learning through iterative changes in your approach with a particular set of channels, and then move on to other channels if your goals are not being met. 3. Be consistent and persist. One of the most difficult aspects of digital strategy is the misunderstanding that it will produce immediate bottom-line results. The internet is crowded, noisy and competitive. Search engines favor fresh content that attracts users, which involves consistently updated content, ads that consistently get clicks and websites that keep people engaged. This can only be achieved via a consistent, persistent approach that uses appropriate short, intermediate and long-term result metrics. Martin Key is assistant professor of digital marketing strategy in the College of Business at UCCS. He is an ethics fellow with the Daniels Fund Ethics Initiative and the author of multiple scholarly articles. He has been involved with a number of high-tech and digital startups as a strategic consultant and has helped small and medium-sized businesses transition into the digital landscape. Contact him at OPED@uccs.edu.

SHARE YOUR OPINION Guest commentaries: Have a topic you’d like to write about? Send us no more than 750 words. And feel free to send us an email before you start to write to gauge our interest. Contact us at editorial@csbj.com or 719-634-5905.

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

60%f of

Why fight when you can get your own? Sign up today: subscribe.csbj.com #GetYourOwn

Buy ONE full year at regular price and add up to NINE additional copies for only $35 each! • Includes all Digital Content • Get additional Book of Lists for 50% off

Want even more leads for your business? Subscribe to The Transcript and get: Marriage Licenses* Judgments* Warranty Deeds* Building Permits Incorporations* Notice of Tax Liens* City Ordinances Water Rights Statements of Lien Disburser Notices Pikes Peak Regional Building Department License Applications Notice of Election and Demand* New City Sales Tax License Public Trustee Foreclosure Sales Notices to Creditors Trust Deeds City Planning Agenda Name Changes Public Trustee Activity Report Divorce Notices Summonses Adoption Notices Guardianships Sheriff’s Sales Property Sales * With your Transcript subscription, receive any of these documents via email in Excel! Simply contact Robyn at 719-634-5905

Published every Monday, Wednesday and Friday 1 year print subscription: $125 2 year print subscription: $215

Already a CSBJ Subscriber? Add The Transcript to your account and save! CSBJ & The Transcript combo subscription

only $109/year! 1-year of CSBJ: $89

1-year of The Transcript: $125 $20

That’s a savings of $105! To purchase a combo subscription call Robyn at 719-634-5905, or go online to subscribe.csbj.com

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

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

CORPORATION NAME

TYPE

FILING

AGENT

AGENT ADDRESS

AGENT CITY

STATE

20171772878 20171772289 20171766320 20171737395 20171763044 20171765460 20171765461 20171765464 20171765465 20171765553 20171765588 20171765602 20171765656 20171765657 20171765921 20171766051 20171766093 20171766113 20171766133 20171766276 20171766300 20171766478 20171766507 20171766815 20171766852 20171766921 20171766928 20171766993 20171767283 20171767309 20171767341 20171767369 20171767377 20171767388 20171767424 20171767451 20171767461 20171767469 20171767515 20171767536 20171767619 20171767620 20171767633 20171767639 20171767658 20171767669 20171767674 20171767678 20171767683 20171767686 20171767691 20171767703 20171767746 20171767777 20171767826 20171767862 20171767892 20171767919 20171767960 20171768153 20171768286 20171768313 20171768393 20171768429 20171768488 20171768524 20171768751 20171768767 20171768914 20171768941 20171769296 20171769306 20171769318 20171769332 20171769346 20171769349 20171769427 20171769433 20171769443 20171769445 20171769446 20171769448 20171769453 20171769456 20171769464 20171769467 20171769491 20171769497 20171769581 20171769629 20171769684 20171769906 20171769920 20171769951 20171769995 20171770089 20171770157 20171770327 20171770329 20171770567 20171770611 20171770633

CM Structures, LLC Curry’s Vending Services LLC A New Creation Interiors LLC CHI of Alaska, Inc. Bluesky Property Investment, LLC Rainstar E-Commerce Co., Ltd Cutting Up Colorado DRC Flea Market, LLC US KINGSENER CO., LTD USM Sports Nutrition, LLC Imperium Multimedia Development Group, LLC North House Inspections LLC AFVP LLC Settlers View, Inc. Systems Integration Inc Animus Oxford House STRONG HOLD CONSTRUCTION LLC DAILY GPS LLC RMA IV, LLC AU IMPORT LLC MULTISTATE INTERESTS, LLC A Roofing Solutions LLC Above Treeline Properties, LLC GIC RE Development II, LLC Big Horn Concrete Design, LLC We Do........LLC Kingsfoil Acupuncture Services, LLC John P. Beavers Uncommon Counsel Ltd. CHUMYSS DRYWALL LLC Rebecca’s Odds N Ends Ltd Webb General Construction LLC New Generation Homes LLC Onyx Sky & Co., LLC THE VEG YARD LLC Garden of the Gods Music Festival L.L.C. LONGMONT RENTALS LLC CARY HENDERSON, LLC E-SQUARED PROJECT MANAGEMENT LLC Nuturing Nature Massage, LLC bayou some floors llc Cimmarona Peaks LLC A Couple Handy Guys, Inc. Trading Up, LLC South Park Steel, LLC 215REG, LLC EStone Group, LLC Keener Creations & Remodeling, LLC IntraLight, LLC New Motion Pictures Entertainment, LLC Buddy Reigns LLC E|I Enterprises, Inc. DRAGON CS LLC Green Valley Trust, Inc. 5 Diamond Home Inspection, LLC_ MyTees, LLC Rebellious Wellness LLC Mark Elliott Fiduciary, LLC AWAKEN INTO LOVE LLC Intuitive Science Holistic Massage Center, LLC Angela Wells, Investigator LLC Wiseman Roofing LLC DEMETER STRATEGIC GROWTH LLC Piercings by Amanda LLC Vigil Farms BRIAN THEN LLC ORDWAY FARMS LLC Happy Wiggle Butt, LLC 1948 LLC 222 Brentwood Drive Industries LLC Honeysuckle Homes, LLC Journey Technical Solutions, LLC WOLF CREEK DRONEOGRAPHY LLC THE PEAK LIFE LLC Austin Shada Limited The Body Butter Bar, LLC 4209 Hunting Meadows LLC Big High Street Rental Property Cedar Rental Property Advance Technology Integration, LLC Greg Pattison, LLC 5700 Industries, LLC Media808, LLC W 46th Pl LLC TH Custom Construction, LLC XYLADECOR. INC Bedrock Fencing, LLC Western Cut Tree Service, LLC Elevenmile Arms, LLC Complete Energy Solutions, Inc. Manitou Tech Support MEM VENTURES LLC Making Entertainment Great Again, LLC HG HUMMEL LLC NUTRASCI CONSULTING L.L.C. Head Brothers Barbering, LLC Legend Steel Erectors, LLC O’Connor’s Soap Shack, LLC ESI North America LLC Bearschel Courier Services, LLC Tilia Americana PIKES PEAK AVENUE INVESTMENTS, LLC DESIGN FOR SUCCESS LLC

DLLC DLLC DLLC FPC DLLC DPC DLLC DLLC DPC FLLC DLLC DLLC DLLC DPC FPC DNC DLLC DLLC DLLC DLLC DLLC DLLC DLLC FLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DPC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC FLLC DLLC DLLC FLLC DLLC DLLC FLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DPC DLLC DLLC DLLC FPC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC DLLC

10/16/17 10/15/17 10/11/17 10/15/17 10/10/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/11/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/12/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17 10/13/17

Brandon Curry Quitina Adams Leesa Creager Tsay-Hsin Hu JUNFENG ZHENG Rashad smith YIYING HE Jason Spears Geoffrey Gillian Jesse Vasquez Gary Maher Daniel Fuchs Aide Zamora Sanchez Stuart Thomas JANETH Bustamante Cindey Arroyo Tiffany Diab John Beavers EDGAR RODRIGUEZ GARCIA Rebecca Graham Leslie Webb Janis Haughton Brian Cerneck Shawn Hayden Kelsey Ryals dave kaercher OMAR HAMOUDA George Winn II Lana Archer Kathryn Toth Mark Elliott Oliver Crawford Angela Wells Amanda Waters PRAXIE VIGIL Andres Velez Michael Pohl Richard Operhall Austin Shada DeLee Glasser Elizabeth Groff Elizabeth Groff Cangao Chen Robohm Karl Justin Blount MARTHA MARZOLF Jack McQuitty Michael Head Hernan Lazcano Nevarez Mary O’Connor Adell Hartway Emily Chan JOHN STINAR

8605 Explorer Dr 1611 WOOTEN RD 1643 S. Canoe Creek Dr. 1411 Server Drive 7704 Stetson Highlands Drive 6547 N Academy Boulevard #1178 7745 blue vail way 121 S. Tejon Street, Suite 900 6547 N Academy Boulevard #1180 8361 Winding Passage Drive 2562 Raywood Vw., Apt. 1413 121 S. Tejon Street 1011 Bennett 16189 Forest Light Drive 121 S. Tejon Street 1010 N Murray Blvd 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 3111 Fireweed Dr 606 South Nevada Ave 902 S. Weber Street 2807 E Bijou St 2523 Fairmount Street 3455 Briargate Boulevard 1125 High Lake View 3280 S ACADEMY BLVD LOT 218 2070 Alamosa Drive 6635 Nokomis Circle 1424 N Hancock Ave 4335 Witches Hollow Lane 1155 KELLY JOHNSON BLVD 1310 Pike drive 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 14214 Petrel Drive 60 Watch Hill DR apt. D 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street, Suite 900 215 W Rockrimmon Blvd 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street 2830 WOODLAND HILLS DR 121 S. Tejon Street 1939 Brookings Drive 2503 Hancock Expy 707 N Corona St 16 E. Kiowa Street 1155 KELLY JOHNSON BLVD 1540 Spring Valley Drive 4017 Star View 6119 Treeledge Drive 1155 KELLY JOHNSON BLVD 4353 Charleston dr 5930 FAXON COURT 2468 Lexington Village Lane 1155 KELLY JOHNSON BLVD 2950 Professional Pl. 2254 Stratton Forest Heights 4164 Austin Bluffs Pkwy #104 4415 Fenton Rd 6950 Waterwood Ct 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 5305 El Camino Dr 15594 Open Sky Way 3323 w carefree circle 845 E High Street 527 S Cedar St 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 121 S. Tejon Street 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 13729 Narrowleaf Dr 1711 west colorado ave 1313 MILKY WAY 630 Southpointe Ct 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 6726 Sproul Lane 3364 Astana Dr. 906 Old Dutch Mill Rd. 1155 Kelly Johnson Blvd 4307 Moonbeam Dr 1924 N Nevada Ave 121 E. VERMIJO AVENUE 1155 KELLY JOHNSON BLVD

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

CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO

Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs Springs

ZIP

80920 80915 80906 80910 80923 80918 80922 80903 80918 80924 80920 80903 80909 80908 80903 80915 80920 80920 80920 80920 80920 80918 80903 80903 80909 80909 80920 80906 80916 80920 80915 80903 80911 80920 80904 80920 80920 80920 80921 80906 80903 80903 80903 80903 80919 80903 80903 80903 80903 80903 80903 80918 80903 80951 80910 80903 80903 80920 80921 80907 80918 80920 80916 80922 80916 80920 80904 80906 80918 80916 80918 80920 80920 80918 80908 80917 80903 80903 80903 80903 80903 80903 80903 80903 80920 80903 80903 80903 80921 80904 80906 80906 80920 80920 80918 80916 80907 80920 80916 80907 80903 80920

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

32 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

EXECUTIVE HOMES

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

7854 Pinfeather Drive – Fountain Mesa - $339,500

6627 Cottonwood Tree Drive – Banning Lewis Ranch - $359,900

Brand new to be built 2-story. 4 bedroom, 3 bath, 3-car garage, & walkout unfinished basement. 3239 sq. ft. with 2163 finished. Gas log fireplace. 9’ mail level ceilings. Slab granite throughout. Stainless steel appliances. LTV flooring & upgraded carpeting. 5-piece master bath. Front yard landscaping. Mountain views. No closing costs if using preferred lender. Close to Fort Carson or Pete Field. Built by New Haven Homes. MLS# 1406887

To be built by New Haven Homes in Banning Lewis Ranch. Open concept 3 bedroom, 2 ½ bath contemporary 2-story. 3135 sq. ft. with 2115 sq. ft. finished. Gas log fireplace. Extensive engineered hardwood flooring. Gourmet slab granite & stainless steel kitchen. Slab granite counters in baths. Stand alone tub in elegant 5-piece master bath. Main level office with closet (could be 4th bedroom). Unfinished walkout basement. Great neighborhood with pool, tennis, rec center, parks, & lots of family activities. 5 minutes to Falcon Town Center or Powers Blvd. MLS# 4403624

5810 Harbor Pines Point – Mountain Shadows - $550,000

230 Crystal Park Road – Manitou Mesa - $995,000

Authentic Tuscan Villa on 4.3 acres. Absolutely stunning 4009 sq. ft. 3 bedroom, 3 bath villa with total privacy & dramatic sweeping unobstructed mountain, city, & Garden of the Gods views. Every amenity & 1014 sq. ft. finished 3 to 4-car garage. Elevator. Security, fire sprinkler, & intercom systems. In-floor radiant heat. 9-11’ ceilings. Mesquite flooring, beams, & built-ins. Custom stained glass. Gourmet island kitchen. 624 sq. ft. master suite. Low E Pella windows & atrium doors. 4 fireplaces. Beams. Imports. 770 sq. ft. cement wrap-around deck with loggias. Flooded with light & sunshine. MLS# 8040638

3685 sq. ft. 4 bedroom, 4 bath 2-story executive town home backing to Flying W Ranch open space. Built in 2014 & is better than new. Slab granite throughout. 2 fireplaces (1 see-through). A/C & central vac. Beautiful hardwood flooring. 2 decks. Gourmet kitchen. Private master suite & junior master suite. Main level bedroom. Open concept. No rear neighbors except wildlife. Sweeping views of mountains & dramatic rock formations. Small intimate complex of only 14 homes. HOS of $279/month. MLS# 6308197

BUSINESS DIRECTORY Unlock your potential with , LLC

Professional resume writing services by a Certified Professional Resume Writer • Free Consultation • Resumes: Military to Civilian • Federal • CVs • Executive • Professional • Military Spouse • LinkedIn Profiles

Kara Varner MAOM, CPRW

Our personalized service makes the difference!

Website: www.APlatinumResume.com Email: APlatinumResume@yahoo.com Phone: 719-339-2659 Always a Military Discount!

Gun

OCT. & 28-29 Knife Show

Sat. 9-5 • Sun. 10-4

ALTERED REALITY EvEnT CEnTER 250 Tables! 3960 Palmer Park Blvd. @ Academy • Colorado Springs

00 ADmISSIOn Regular Admission: OFF

Limit one coupon per person.

with this coupon.

Adults 10 • Military/Seniors 9 • 16 & under FREE! $

ColoradoSpringsGunShow.com • 816-676-1200 SE.CO

WANTED: 5 HOMES

TO APPLY MT. STATES COMPOSITE SIDING Be a part of our 2017-18 Show Homes Campaign and Save! 5 homeowners in this general area will be given the opportunity to have

MT. STATES COMPOSITE SIDING

Applied to their home with decorative trim at a very low cost. This amazing new product has captured the interest of homeowners throughout your region who are fed up with constant painting and maintenance costs. Backed with fade and lifetime material warranty, and providing full insulation, summer and winter, this product can be installed on most types of home. It comes in a choice of colors and is now being offered to the local market. Your home can be a showplace in your vicinity. We will make it worth your while if we can use your home.

Financing Available WAC “Offer Limited-CALL NOW!”

INSULATED WINDOWS ALSO AVAILABLE For an appointment, please call toll free:

1-888-540-0334 Nationwide Builders

3 Generations of Experience - www.nbcindustries.com

Stay ahead of the competition. Online or Print. www.csbj.com

NOW HIRING

ROAD MAINTENANCE TRANSPORTATION MAINTENANCE I

Permanent and temporary positions available across Colorado. Pay ranges from $16.52-$20.01/hr, depending on location. Performs roadway maintenance and heavy equipment operation. Class A or B CDL and 2 years heavy labor and equip operation experience is required. Our employees are skilled leaders at all levels of the organization, making a direct impact on public safety in all communities they serve. EOE

Apply: www.colorado.gov/dhr/jobs

The Transcript can publish your

NOTICES TO CREDITORS For more info call 634-5905

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

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

719 634-5905

classified@csbj.com DEADLINE: NOON TUESDAY!

PUBLIC NOTICES

The Transcript can publish your

Notices of Guardianship and Adoptions Name Changes Notices to Creditors

For more info call 634-5905

Selling Your Home? Let our readers know. For more information call

719-634-5905

Stay ahead of your competition with breaking news from the CSBJ newsroom every day. Sign up at www.csbj.com

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

Colorado Statewide Classified Advertising Network To place a 25-word COSCAN Network ad in 91 Colorado newspapers for only $300, contact your local newspaper or call SYNC2 Media at 303-571-5117. OPPORTUNITY AVAILABLE WANTED Cash for Mineral Rights Established accounting/tax preparation Free, no-risk, cash offer. Contact us practice needs seasoned accountant with the details: able to prepare 1040 to 1120, Call: 720-988-5617 Quickbooks efficient, Write: Minerals, PO BOX 3668, current with CPEs. Littleton, CO 80161 75 minutes to Denver. Email: Ownership possible, salary negotiable. opportunity@ecmresourcesinc.com 970-370-4241 or 303-228-1665. SYNC2 MEDIA Buy a 25-word statewide classified line ad in newspapers across the state of Colorado for just $300 per week. Ask about our frequency discounts! Contact this newspaper or call SYNC2 Media, 303-571-5117

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 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

34 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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 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: 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 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700681 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 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): ANDREW L. LEWIS and JENIFER K. LAUDERDALE-LEWIS Original Beneficiary(ies): MORTGAGE SOLUTIONS OF COLORADO, LLC Current Holder of Evidence of Debt: MORTGAGE SOLUTIONS OF COLORADO, LLC Date of Deed of Trust: July 15, 2016 County of Recording: El Paso Recording Date of Deed of Trust: July 20, 2016 Recording Information (Reception No. and/or Book/Page No.): 216079921 Original Principal Amount: $233,000.00 Outstanding Principal Balance: $230,184.16 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 159, CHARPARRAL POINT AT INDIGO RANCH FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7661 MENAGERIE LN, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 12/20/2017, 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: 10/27/2017 Last Publication: 11/24/2017 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

Colorado Springs Business Journal

Oct. 27 - Nov. 2, 2017

PUBLIC NOTICES 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: 08/17/2017 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: Matthew Ryan Sullivan #39728 Messner Reeves LLP 1430 Wynkoop Street, Suite 300 Denver, CO 80202 (303) 623-1800 Attorney File # 8014.0039 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. EPC201700682 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 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): ANTHONY W PRICE and YEVONNE PRICE Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for FIRST HORIZON HOME LOAN CORPORATION Current Holder of Evidence of Debt: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR C-BASS MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2007-CB4 Date of Deed of Trust: December 22, 2006 County of Recording: El Paso Recording Date of Deed of Trust: January 02, 2007 Recording Information (Reception No. and/or Book/Page No.): 207000156 Original Principal Amount: $238,000.00 Outstanding Principal Balance: $204,263.44 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 71, STETSON HILLS SUBDIVISION FILING 31 IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7070 STALLION 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, 12/20/2017, 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: 10/27/2017 Last Publication: 11/24/2017 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: 08/17/2017 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: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006978472 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

(855) 411-2372 www.consumerfinance.gov DATE: 08/21/2017 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: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Drive Boulder, CO 80305-5500 (303) 494-3000 Attorney File # 7225-2120 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. EPC201700691 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 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): Diane R. Hines Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Nexgen Lending, Inc. Current Holder of Evidence of Debt: Caliber Home Loans, Inc. Date of Deed of Trust: September 06, 2005 County of Recording: El Paso Recording Date of Deed of Trust: September 13, 2005 Recording Information (Reception No. and/or Book/Page No.): 205143269 Original Principal Amount: $87,000.00 Outstanding Principal Balance: $27,849.07 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. Lot 9, Block 6, Austin Estates Subdivision No. 5, Filing 5, County of El Paso, State of Colorado. Also known by street and number as: 1406 Osgood 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, 12/20/2017, 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: 10/27/2017 Last Publication: 11/24/2017 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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700692 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On August 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): WALTER A HARRIS AND DEBRA A HARRIS Original Beneficiary(ies): JPMORGAN CHASE BANK, NA Current Holder of Evidence of Debt: NEW PENN FINANCIAL, LLC D/B/A SHELLPOINT MORTGAGE SERVICING Date of Deed of Trust: July 25, 2011 County of Recording: El Paso Recording Date of Deed of Trust: August 02, 2011 Recording Information (Reception No. and/or Book/Page No.): 211074447 Original Principal Amount: $118,900.00 Outstanding Principal Balance: $89,777.28 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 113 IN CIMARRON-EASTRIDGE FILING NO. 2, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK T-2 AT PAGE 51. Also known by street and number as: 1602 MINEOLA ST, 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, 12/20/2017, 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: 10/27/2017 Last Publication: 11/24/2017 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: 08/21/2017 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 # 00000006944730 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

P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/6/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-913-30009 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 – AMENDED PUBLICATION FORECLOSURE SALE NO. EPC201700485 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 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): CHARLES D. HERMSEN AND MARTHA V. HERMSEN Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR LENDER, HEARTLAND HOME FINANCE, INC Current Holder of Evidence of Debt: HSBC MORTGAGE SERVICES, INC. Date of Deed of Trust: May 24, 2006 County of Recording: El Paso Recording Date of Deed of Trust: June 05, 2006 Recording Information (Reception No. and/or Book/Page No.): 206082375 Original Principal Amount: $222,000.00 Outstanding Principal Balance: $207,463.46 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 26, CONSTITUTION HILLS FILING NO. 5, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2435 CALISTOGA DRIVE, 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, 12/13/2017 the date to which the sale has been continued pursuant to C.R.S. 38-38-103(2)(a), 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. Amended First Publication: 10/27/2017 Amended Last Publication: 11/24/2017 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

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

Stay ahead of the competition. Online or Print. www.csbj.com

Please Recycle

Having an Open House? Let our readers know. For more information call 719-634-5905 or email classiﬁeds@csmng.com

GIVING POWER TO THE PEOPLE

COLORADO

GOVERNMENTS

have never been

MORE OPEN

To know more, read the public notices in today’s newspaper or go to

publicnoticecolorado.com Brought to you by your newspaper and the Colorado Press Association

36 Oct. 27 - Nov. 2, 2017

Colorado Springs Business Journal

Special Communication from the Better Business Bureau of Southern Colorado

BBB Launches New App Special Commentary by Jonathan A. Liebert

For more than 100 years, Better Business Bureau has been helping millions of people research businesses they can trust. Now BBB has made that search for a trusted business easier with the release of the new BBB app. With 2.8 million apps on Google Play and 2.2 million apps on Apple App Store, it is more important than ever to choose a Trusted app from a Trusted brand to research the more than 30 million businesses in North America. According to TechCrunch, smartphone users are spending more time in apps than in years past and now access over 30 apps monthly, or 9 apps per week. The new BBB app is designed to be used on a daily basis to access information on local businesses through the use of one app. Need a quick way to find a doctor? Car repair? Or a great place to eat? The BBB app makes finding a trustworthy business or service easy based on the user’s location. Whether at home, on the go or on vacation, this new tool will help the estimated 245.6 million smartphone users in the U.S and Canada make smarter decisions and keep them safe from scams. Every four seconds, someone researches a business with BBB. Rather than going to a web browser, users now have the ability to go straight to the source. The BBB app is optimized for mobile devices which means it has features not readily available on the website. It is available in both iTunes and Google Play stores and contains the following features: • Easy category search. Users can choose between multiple categories to find the type of business they are looking for in their area. The locations can be viewed in map or a list version. • View a business’ reputation. This includes the businesses rating and accreditation status. • Launch the business directory. Get directions to

the business, visit the business website or call the business right from the app. • Share with others. Click the share button to send a recommended business to a friend through phone text, Facebook message or any other platform. • List favorites. Users can “favorite” a company for future reference. • Receive scam alerts. BBB will periodically send alerts through the app to inform users about scams and consumer protection news happening in their area. Have a family member in California? Or taking a trip to Florida? The BBB app also lets users choose up to three zip codes from which to receive scam alerts. BBB’s goal is to advance marketplace trust and this app makes that mission easily accessible for smartphone users everywhere in the U.S. and Canada. At your BBB, we believe this app is equally important to businesses as well. Mobile marketing is more critical to small businesses than ever. According to App Annie, the mobile app industry generated a whopping $41.1 billion in gross revenue in 2015. Not only that, but their projection model shows that annual revenue will grow to over $100 billion by 2020. Statista has projected an even higher number. According to their model, gross annual revenue for mobile apps will exceed $189 billion by 2020. And while there are differing opinions from researchers about just how much the mobile app industry will swell, everyone agrees that it’s growing at

Interested in the Better Business Bureau of Southern Colorado

Excellence in Customer Service Award? Register for these workshops geared toward businesses interested in learning more about what the award is and the benefits of applying. EICS Orientation Friday, November 17, 2017 8:00am-10:00am Colorado Technical University 4435 N. Chestnut St. Room 252 Colorado Springs, CO 80907

30 YEARS

25 YEARS Hoelting & Company, Inc. | Colorado Springs

20 YEARS

EICS Application Writing Workshop Friday, January 12, 2018 10:00am-1:00pm Colorado Technical University 4435 N. Chestnut St. Room 252 Colorado Springs, CO 80907

EICS Orientation Friday, December 8, 2017 9:00am-11:00am Better Business Bureau 121 W. City Center Dr. Suite 220 Pueblo, CO 81003

Celebrating BBB Accreditation in October Minnequa Works Credit Union | Pueblo

COLORADO SPRINGS

PUEBLO

a rapid pace. It all comes down to the fact that consumers are evolving more rapidly than businesses. In today’s world, consumers have made it clear that mobile internet is a necessity. According to Forrester, 4.8 billion people are currently using mobile devices. That represents 46% of the world’s population. Knowing this, it’s mind boggling to think that there is still such a large gap between companies that regard mobile devices as a catalyst for transforming their business and companies that see mobile devices as just another development channel. As another Forrester study outlines, only 18% of the companies they surveyed claimed they were using mobile as a way to transform the entire customer experience. And while Forrester projects that number to climb to 25% in the coming year, it shows that there is a clear disconnect between what companies think consumers want and what those consumers are actually seeking. Small businesses will do well to pay attention to what consumers think of them online, as well as how they can have a greater presence with mobile marketing. At BBB we know consumers are turning to their mobile devices more than ever when making purchasing decisions and we want to make sure they are choosing trustworthy businesses. BBB created this easy-to-use-tool to ensure customers are equipped with the proper knowledge about a company before doing business with them while also ensuring our local businesses have an avenue to get their name out through mobile marketing when they are being researched through BBB.

Mountain High Appliance, Inc. | Colorado Springs Powell Mechanical, Inc. | Cripple Creek

15 YEARS BBB EXCELLENCE IN CUSTOMER SERVICE AWARD

2018

EICS Application Writing Workshop Friday, January 26, 2018 9:00am-11:00am Better Business Bureau To register, visit bbb.org 121 W. City Center Dr. For more information, contact Suite 220 Gina Sacripanti at 719.447.3832 or GinaS@bbbsc.org. Pueblo, CO 81003

MiracleClean Carpet Care, Inc. | Colorado Springs Costa Seamless Gutter Service, Inc. | Colorado Springs

LOOK FOR THE SEAL

(719) 636-1155 or (866) 206-1800 • www.bbb.org/southern-colorado