Colorado Springs Business Journal: January 6, 2017 by Colorado Springs Business Journal

HAZLEHURST: CITY TARGET FOR LAWSUITS 3 BUSINESS

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VOLUME 27, NUMBER 41 | Jan. 6 - Jan. 12, 2017 | $2.00

ZENITH ADVISORS

Real estate forecast: 2017 is all blue skies By Cameron Moix

he Colorado Springs-based real estate fi rm Quantum Commercial Group expects 2016’s strong economic trends to continue during the new year — across both the commercial and residential markets. “We all believe that 2017 is staged for continued expansion and growth in both new and existing companies and employees for our city,” according to Quantum’s annual report, which cites population growth and a strong jobs market as two of the top predictors for the year ahead. According to the report, the local office market continued to strengthen in 2016 and is expected to maintain that trend throughout 2017; the industrial market “may shine even brighter in 2017,” with

the construction of new space; and retail growth is expected to remain strong, driven by developments at Interquest Parkway, Powers Boulevard and along the I-25 corridor. A portion of this growth — namely in the retail and multifamily segments of the marketplace — will continue to be driven by local, regional and out-of-state investment activity, Quantum predicts. “Investors see Colorado Springs as a great market for real estate acquisitions with opportunities for acquiring properties significantly below replacement cost with the potential for increased value as properties are stabilized,” according to the report. Along with population growth and a strong jobs market, the Colorado Springs real estate industry is also reaping the benefits of peak consumer confidence

throughout the country, said Quantum President Dale Stamp. “The most exciting part is that the overall consumer confidence — which relates directly to commercial real estate — is very high,” Stamp said. “Everybody seems to be feeling that the economy is heading in the right direction; that there aren’t many negatives taking place right now.” The strength of U.S. consumer confidence is underscored by campaign promises made by Presidentelect Donald J. Trump to invest in the Department of Defense, which translates to support of Colorado Springs — a community that has long relied on defense spending and its large military presence for economic and community support, Stamp said.

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See 2017 page 17

Expectations for 2017 are high for areas like real estate and the defense industry. But there are uncertainties. Health care could see major upheavals, and educating the workforce remains a major hurdle for businesses.

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INSIDE

Routon: 17 people to watch .......... 5 YP: Jessica McMullen (left) ...........7 City council election ....................... 9 Kudos ............................................. 10 On the Horizon .............................. 11 The List .......................................... 15 Other Voices .................................. 18

EDITORIAL 2017: MANAGING GROWTH, MAINTAINING VITALITY

56525 10751

After starting as a local entrepreneur, Parsons now works with businesses at the Chamber & EDC.

ONE-ON-ONE HANNAH PARSONS

2 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

IN OUR OPINION

2017: Time to plan for growth The issue: Managing growth, maintaining vitality We believe: It’s anticipated that Colorado Springs will have nearly 200,000 more residents by 2020. The time is right to start planning for that growth — or face the consequences that come with unmanaged development.

Tell us what you think: Send us an email at editorial@csbj.com.

he watchword for Colorado Springs in 2017 is growth — how to manage the additional population, how to create a vibrant economy for job growth, how to handle more traffic, address higher demands for schools and develop workforce talent so the population’s skills match business needs. We also need to figure out a way to invite more people to take part in the public process, join groups that are deciding the city’s and county’s future in the next 10 years — and that want to help create the road map of how to get there. The Business Journal wants to be a catalyst for the conversation. Throughout 2017, readers will find articles about managing stormwater infrastructure, meeting transportation needs, creating affordable housing options and discovering new ways to attract young professionals, as well as the plans of educational groups working to create the future workforce. The goal is to start the debate about what steps we take now to prepare for future growth — and to make room for the growth that’s already happening. We don’t claim to have all the answers, but we are positive it’s time to start asking the right questions of our government and civic leaders. And it’s time that all organizations — from business groups like the Chamber of Commerce & EDC to marketing organizations like the Convention & Visitors Bureau to leaders at City Hall — respond to residents’ needs for planning and information with the appropriate amount of transparency. (This means fewer executive sessions by city council, all action taken in the public view and quick responses to residents’ questions about utilities, stormwater, lawsuits, Banning Lewis Ranch, the U.S. Olympic Museum and a host of other city issues.) We’re going to focus on how to manage growth in the city — covering areas that are ripe for development, in need of immediate attention or important to the city’s future, so the city can continue its forward march toward improving economic vitality. It’s time to examine long-held attitudes in Colorado Springs, and discard those that hamper business growth and development. We need to embrace the culture that encourages high-tech companies to relocate here in order to continue to move toward becoming the cybersecurity capital of the United States. Colorado Springs is headed in the right direction. Business is booming here. Downtown is capitalizing on the new, post-recession energy. The undeveloped area that has been known as No Man’s Land is finally seeing investments from all governments that oversee that stretch of West Colorado Avenue. Real estate sales and prices are climbing; people across the state view Colorado Springs as an affordable, family-friendly city. Commercial developments are under construction or in planning phases in the northern sector

of El Paso County. After the rocky years, all the growth and development is good news for Colorado Springs and Southern Colorado. But there are areas of concern: Foreclosures in Fountain were up 12 percent over last year, the only place in El Paso County that saw an increase. Homelessness and vagrancy seem to be on the rise as well. As the city begins to develop plans to keep people from panhandling in the city’s medians, the question looms: How can we solve the homeless issue while protecting business interests and treating people with compassion?

TOP PRIORITIES 1. Infrastructure. We’re not just interested in widening Interstate 25 from Monument to Castle Rock, we’re also interested in knowing how the city plans to deal with stormwater infrastructure and a backlog of road and bridge repairs. Remember, an independent committee suggested the price tag could reach $1 billion. 2. Workforce. If Southern Colorado is going to be the top choice for the high-tech, cybersecurity industry, we need the workforce to match it. That also means we need to develop the skills for manufacturing, construction and other mid-skills jobs that are currently going unfilled in Colorado Springs. 3. Health care. As regulations change on the national level for health insurance, hospitals and doctors must be nimble in order to address the overarching needs of the population. Primary care doctors, psychiatrists and other providers are in short supply in the Colorado Springs area. As we grow, we’ll need to recruit more doctors to meet the burgeoning need. 4. Entrepreneurism and innovation. Both thrive inside cities with risk-taking cultures. Neither can thrive without support from venture capitalists or angel investors — usually in short supply in the Springs. As the city grows, the need for investment in new, innovative companies will grow as well. 5. Real estate. Housing prices are up; inventory is down. Foreclosures are at their lowest since 1999. Affordability is not yet an issue, but housing at the lower price points is in short supply. As interest rates increase, the seller’s market could switch to a buyer’s market. 6. Young professionals. Retaining young professionals as they graduate from college or move into mid-level careers is vital to the city’s growth and to attract new businesses. 7. Arts and culture. We’ll need a vibrant, robust arts and culture community to keep residents interested and engaged. With the partnership between Colorado College and the Fine Arts Center underway, the ability to attract nationally recognized artists to Colorado Springs is necessary to continue to attract visitors. At the same time, we’ll need to nurture our local artists, musicians and theatrical talent. 8. Downtown. As downtown’s retail space fills, there’s one thing still lagging: available housing. We’re catching up, but there’s still some work to do. 9. Regionalism. If we all work together, we’ll all succeed together. We need to work closely with neighboring cities in Southern Colorado — in a global economy, it makes sense to combine our strengths and work together to address weaknesses. 10. Defense. As federal budgets remain tight, fending off downsizing and other threats to the military presence in Colorado Springs is vital to the government-contracting sector. Keeping a close eye on events in Washington, D.C., is vital — what happens there will affect us here. CSBJ

It’s time to examine long-held attitudes in Colorado Springs, and discard ones that hamper business growth and development.

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CSBJ.com Poll How should the city fund stormwater infrastructure operations and maintenance?

An impervious-cover fee charged to developments and homeowners

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An additional property tax

25%

An additional sales tax

20%

Go to CSBJ.com to vote on next week's poll: How will the minimum wage increase — up 90 cents as of Jan. 1 — affect your business?

Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

Is your server Legal problems take down again? OPINION: HAZLEHURST

up city time, money

t’s no secret to any business leader that we live in a litigious age. You get sued by your customers, your clients, your suppliers, your employees, your business partners and by people and HAZLEHURST organizations you’ve never heard of. And you’re in the game too: suing subcontractors, suppliers, accountants, attorneys, real estate brokers and people and organizations you’d never heard of — until you realized they were scamming you. Think you’re being targeted unfairly? Imagine being Colorado Springs Mayor John Suthers or Colorado Springs Utilities CEO Jerry Forte. City Attorney Wynetta Massey represents both entities. With an annual budget of more than $5 million, she employs 27 attorneys and 14 support staff. Much of their time is devoted to the minutiae of government: writing ordinances, rendering opinions and guiding officials in their day-to-day business. It’s slow, methodical, unexciting and necessary. Her office, according to the 2017 budget, “provides assistance in transactional matters and employment matters on behalf of the city and all its enterprises; reviews, updates and maintains the City Code and provides legal services to special district annexation and finance issues.” At any given time, the city and its enterprises are involved in scores, even hundreds of legal disputes. Many involve disaffected or dismissed employees, dissatisfied contractors or disgruntled residents. Although the individual sums involved are relatively insignificant, the aggregate amounts are large. In that context, it makes sense to mount a vigorous defense to most claims, and to have an equally formidable offensive capability. That’s life in the big leagues. Taken together, the city and its enterprises can be compared to a multi-billion dollar diversified private company, with all the challenges of such an organization. And since the city isn’t a private company, its legal dilemmas are magnified. Want to get rid of an obstinate, low-performing senior employee? A private employer can usually do so quickly and discreetly, avoiding embarrassing fallout. Not so in the public sector, where routine termination agreements become politicized fodder for partisan agendas. Governmental transparency comes with a price. Every action is subject to media scrutiny and potential mischaracterization by the media and the

John

public. The cumbersome, convoluted machinery of citizen input can seem to stifle innovation and decisive action. But if legal issues are involved, there’s an escape hatch. The Colorado Open Records Act allows the mayor and city council to receive legal advice from attorneys in closed, confidential meetings. In theory, no decisions are made and no votes are taken. Is that the case? Since no minutes, recordings or videos of any such meetings have ever been released, there’s no way of knowing. Clearly, personnel matters, lawsuit settlements and real estate transactions are covered by the CORA exemption, but what if larger policy questions are in play? Since 1981, only four people have served as city attorney: Jim Colvin (1981-1998); Pat Kelly (1998-2011); Chris Melcher (2012-2014) and Massey (2014-present). Massey, Colvin and Kelly each put in more than 25 years as city employees, while Melcher was an outlier without city experience. Colvin, Kelly and Massey created and defined the city attorney’s office. Think of it as a long-established family law firm — careful, publicity-shy and devoted to the interests of its longtime clients. That’s good in most cases. But what if the insular firm is the sole arbiter of legal matters for an organization that must be open and transparent to function effectively? Does secrecy trump transparency when law and policy intersect? Judging from the record, yes. The city attorney’s office sometimes values secrecy above the public’s right to know. Consider the botched U.S. Olympic Committee retention deal, the city’s futile attempt to stiff PERA after the Memorial Health System lease deal, the single-source contract between Neumann Systems Group and Colorado Springs Utilities and the ongoing battle between Leslie Wiese and CSU. City strategy in each case was guided by legal advice given in closed session or without council present. There may have been lively debate and skeptical questioning — or council may have passively accepted their attorney’s advice. In retrospect, a more open process might have led to better decisions for the city and its residents. I remember quizzing then-councilor Tom Gallagher about the USOC deal as he emerged from a closed session. Gallagher gave me a pained look. “I can’t talk,” he said. “That’s the law.” I would have told Tom about my experiences in closed sessions, but I couldn’t. Like Tom, I’d taken an oath. Omerta. CSBJ

Governmental transparency comes with a price.

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Colorado Springs Business Journal

ONE-ON-ONE

Parsons moves to new role at Chamber & EDC By Bryan Grossman

annah Parsons is the newly selected chief economic development officer for the Colorado Springs Chamber & EDC, formerly the Regional Business Alliance. Parsons is filling the position vacated by Al Wenstrand, who retired at the end of 2016. Parsons has been active in Colorado Springs throughout her varied professional career. Real estate, entrepreneurship and downtown development are all pieces of a whole that have led Parsons to her new position with the Chamber & EDC. This week, Parsons spoke with the Business Journal about helping Colorado Springs reach its fullest potential.

Where are you from? I was born in Texas, but grew up in southeast Kansas and southwest Missouri. How did you end up in Colorado? I first came to Colorado when I worked at a dude ranch in the middle of the Pike National Forest during a summer break from college. I was going to Missouri Southern State University and studying international business. I met my husband on the ranch. He was born in Denver and raised in Palmer Lake, where he lived through high school. I’m pretty convinced when people grow up in Colorado, they don’t acclimate well to other regions. We got married in Manitou and moved to Atlanta the day after our honeymoon.

HANNAH PARSONS In Colorado Springs, people think it’s difficult to get involved and it’s so not. If you raise your hand, it’s easy to get involved.”

Photo by Bryan Grossman

How did you make your way back to this region? It was 2004, and we knew we wouldn’t be staying in Atlanta long-term. We knew we’d come back to Colorado; both sets of our parents were here. We’d had our first daughter and she was 6 months old. We put our house on the market and pulled up stakes and rented a house [in Colorado Springs] while we figured out what to do next. Then what? I think we figured we’d get here and find jobs immediately. But this wasn’t a job market like Atlanta’s. … My husband is a general contractor, and he started as a superintendent building custom homes. For me, it took longer. I was working in fi nancial services at a headquarters in Atlanta. I got my MBA while I was there with a concentration in entrepreneurship. When I came here, I didn’t find a job to apply for, so I didn’t apply for any jobs. But my husband and I wanted to establish a source of income through investment and rental properties, and around 2005, I got my real estate license. We live downtown so we started doing some renovations — buying houses with the intention to flip them, but the market turned, so we kept them as rental properties.

That unintentionally led to a career. I grew a pretty successful real estate business over about seven years. And because I live downtown, I was very interested in getting involved in activities downtown. I volunteered with groups involved with the Downtown Partnership — boards trying to engage younger people at the time. I was also looking for office space, and co-working was an emerging trend globally. I explored opening a co-working facility in Colorado Springs, but it wasn’t something I was prepared to do on my own. A friend introduced me to [Epicentral co-founder] Lisa Tessarowicz. We’d never met, but she wanted to create a co-working space as well. … Over coffee, we decided to go for it. I ran my real estate business out of [Epicentral], and as a tenant of downtown space, it made me eligible to participate on the Business Improvement District board for downtown. That was my first board service. I call it my gateway drug to public service. Downtown has four different boards to get all the things done. [Downtown Partnership President and CEO] Susan Edmondson manages all of those boards. It’s a special taxing district and is charged with beautification and marketing of the downtown core. While on that board, I became chairwoman. The Downtown Partnership director moved and, because I was familiar with operations, I stepped in as interim CEO of the Downtown Partnership. I chaired the partnership board for two and a half years. My term as chairwoman [ended last] month. … In Colorado Springs, people think it’s difficult to get involved and it’s so not. If you raise your hand, it’s easy to get involved. How did you move to the Chamber & EDC? I joined that board. While co-owner of Epicentral, I was asked to join the [then-RBA’s] board of directors. That was in 2014. I started working here in October 2015. What were your initial responsibilities with the RBA? I got out of my real estate business and sold my interests at Epicentral to Lisa. That was about 18 months before I started working here. … I was ready to do something else. So when I first joined the chamber, they’d created a new department — community development. There were three areas of work under the community development role: government affairs, business climate initiatives and workforce initiatives. The government affairs piece was rebuilding our presence in the government affairs world. We’ve had lobbyists, but we didn’t have the resources to have staff committed to that work for a few years. We’ve been building that back. We worked with the state legislature through our Government Affairs See Parsons page 14

REDDY

RICHTER

RIOS

Colorado Springs Business Journal

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CELESTE

JENKINS

COX

SANDERS

Jan. 6 - Jan. 12, 2017

JOHNSON

MCDONOUGH

17 for ’17: People to watch in local business

s the new year begins for Colorado Springs, optimism reigns across the shadow of Pikes Peak, and it’s not just based on fantasy. For months, reports have brought wave after wave of positive news about the local and regional economy. From new jobs in construction to real estate deals and record tourism, we’ve seen enough to feel R O U T O N excited about what lies ahead in the next year. As part of the Business Journal’s first issue of 2017, let’s follow a familiar path, identifying specific people worth watching in the Colorado Springs region’s business community during the year ahead. In no particular order, here are our 17 for ’17:

Ralph

Venkat Reddy. Even if he simply continued in his role at UCCS as dean of the College of Business, that would be significant enough to qualify here. But now, as the interim (and perhaps permanent) chancellor after Pam Shockley-Zalabak retires next month, Reddy will have a larger opportunity to influence the university’s fast-growing impact on the local scene. UCCS is lucky to have someone like him to step in. Ingrid Richter. As executive director of the Catalyst Campus for Technology and Innovation, Richter guided the project through its opening in 2016. Now comes

the growth phase, as the campus works to reach its goal of building partnerships to enhance the local presence in technology, aerospace and defense. Ed Rios. Already a respected former Air Force colonel, Rios became the perfect match for the fledgling National Cybersecurity Center as its fi rst CEO. He knows the cyber world well, and he’s positioned now to lead the movement to make Colorado Springs a true national cyber hub. Dirk Draper. After 18 months as head of the Regional Business Alliance, Draper is guiding the organization by embracing its past, renaming it as the Colorado Springs Chamber & EDC. Given that he’s also a former chamber board chairman from before its merger with the EDC, Draper faces the challenge of combining the best of both entities. In an improving economy with lots of prospects for outside companies perhaps relocating or expanding here — Draper knows there’s no time to relax. Dick Celeste. The former Ohio governor and ambassador to India could have retired peacefully after his tenure as president of Colorado College, but Celeste sought one last mountain to climb as he leads the effort to build the U.S. Olympic Museum and Hall of Fame in Colorado Springs. That campaign, and the work to make the museum a treasure, will take center stage this year with fundraising deadlines coming and groundbreaking soon to follow.

Chris Jenkins. No list of local business leaders would be legitimate without including Jenkins, the developer who continues to focus on shaping a downtown renaissance (but don’t forget Banning Lewis Ranch). Aimee Cox. Nobody has been more effective at combining local business, government and nonprofit resources to address the city’s homeless problems and housing needs. After making much progress in 2016, don’t be surprised to see more. Perry Sanders. The determined attorney and hotelier, after adding The Antlers hotel to a local presence that began with The Mining Exchange, insists he has more big plans to come. We’ll see some evidence with the ongoing Antlers renovations, but Sanders still is talking about a major skyscraper to change the city’s downtown landscape. Jim Johnson. His late father, the founder of GE Johnson Construction, would be proud of Jim’s ambitious plans to build the Olympic Museum and the planned Pikes Peak Summit Complex at the same time. Farley McDonough. She’s busy enough running the renowned Adam’s Mountain Café with her co-owner husband, but McDonough also heads the Manitou Springs Urban Renewal Authority that’s taking advantage of the just-started Westside Avenue Action Plan to See People page 14

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6 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

Theaters add services to reel in customers A “It’s an all-in-one concept of being able to purchase tickets and concessions t one time, if you wanted to see at the same counter and offer customers the latest releases, you had to more self-serve options, such as loadgo to the movie theater. Not so ing butter on their popcorn and using anymore. The options: Rent a touchscreen soda fountains, with easy flick from Redbox, select a film on Netflix access to refills,” she said. “People have or watch the latest movies on a streamreally enjoyed it.” ing service like Amazon Instant Video At Carmike Chapel Hills, everything or XFINITY On Demand. is digital, Thomas said, with one server Ticket sales during the past few years room that connects to every projechave confirmed fewer people are attendtor instead of upstairs booths. All its ing cinemas. According to CNBC, the theaters have 3D and surround sound number of tickets sold capabilities. The comin the U.S. has declined plex also offers show7 percent since 2009, ings in BigD, featurbut higher ticket pricing an 80-foot-wide es are driving up total screen and leather dollars. rocking seats. To combat those fac“It’s $2 more but tors and remain comoffers a better picture petitive, theaters across and seating,” she said. — Carly Thomas the country are installRealD 3D is being the latest technolocoming increasingly gy and adding modern popular — a system amenities to attract more moviegoers, that uses circularly polarized light to aiming to provide consumers a deeply improve clarity and detail while viewing engaging experience they can’t get from a movie. in-home entertainment. “It feels like the movie is coming toIn Colorado Springs, national chains ward you; you feel more involved and are pulling out all the stops — RealD don’t have to worry about getting a 3D showings, plush recliner seats, and headache or feeling nauseous,” she said. wine and beer options. In November, AMC Entertainment In 2012, Carmike Chapel Hills 13 bought Carmike Cinemas for $1.2 bilwas entirely remodeled, designed to be lion, surpassing Regal Entertainment a one-stop shop, said Carly Thomas, opas the nation’s biggest cinema chain. erations manager at the complex. Regal has about 567 theaters in the By Amber Baillie

“Every person, every time, should be leaving with a happy experience.”

Photo by Cameron Moix

Carmike is working on new ways to attract moviegoers in the era of in-home entertainment.

U.S., while AMC and Carmike combined have 661. “It’s exciting that AMC will officially be the biggest chain in the U.S.,” Thomas said. “We haven’t heard much on upcoming changes, but will have a mentor to guide us through system changes.” And the changes are going on across the city as well. Cinemark Tinseltown USA on Cheyenne Mountain Boulevard has replaced most of its seats with electric leather recliners and installed new speakers. Although the upgrade seats fewer people, the theaters offer wider aisles and more comfort for audiences. It’s also applied for a liquor license, so it can start to sell beer and wine like its across-town competitor, Carmike. Carmike is happy to move forward

with the industry, she said, though it has stayed true to being guest-focused and family-friendly. “Every person, every time, should be leaving with a happy experience,” she said. “We want to offer incentives so that customers will return.” The latest service trending in the industry is a theme-park-style experience called 4D, intended to bring the audiences closer to the movie experience, with built-in motion and special effects including wind, fog, scent, water blasts and strobe lights. “The experience of going to a movie will never be the same as watching from home,” Thomas said. “It leaves you with a new memory and despite competition, I don’t think the industry will ever cease to exist, completely die.” CSBJ n

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Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

YOUNG PROFESSIONAL

McMullen brings enthusiasm to new role By Amy G. Sweet

essica McMullen has a penchant for helping agencies run more smoothly. A Colorado native, she lived in several places around the state before settling in Colorado Springs — and has worked for the Colorado Springs Chamber of Commerce, for El Paso County and became the policy and communications manager for the Pikes Peak Area Council of Governments late last year. Recently, the 33-year-old took the time to talk about her love of Colorado, her new position and her goals for the new year. How did you get to Colorado Springs? I grew up in Larkspur, but I’ve lived all over — Palmer Lake, Boulder, Estes Park. I’ve been in the Springs about 14 years. I went to UCCS and have a degree in communications. I’m nearly finished with a master’s degree in public administration. And you started off working for the chamber? I worked at the chamber for about fiveand-a-half years, in their government affairs office. I dealt with legislation all those years — tracking it, helping explain the chamber’s stance on bills. It all relates back to basic communications — but I was lucky to have that experience. It really allowed me to stretch my wings and learn what I can do. After that, I worked as the executive assistant to the county administrator, the chairman of the El Paso County commissioners and the vice chairman. There, I learned about the region, and I learned that everyone here really wants to help move the community forward. I have not met a single executive-level person who hasn’t gone out of their way to help. We live in a very, very giving community. What are your goals at PPACG? I want to better communicate all we do here. We’re known for Photo by Amy G. Sweet

our work in transportation — but we do so much more than that. We’re responsible for air and water quality; we’re just gearing up for a major area of concern for us: aging. And we’re involved in so many other things as well, those are just a few. My goal is for the community to know us better — and to find ways to connect with us. What’s your strategy for that? I’m working on building relationships with all the member governments; we’re making sure that we’re working with all the local nonprofits who contribute to the Pikes Peak region. We’re figuring out how to be better communicators with the community. One thing I’m focused on is boosting our social media. My personal goal is 1,000 likes on Facebook, so people know what we’re doing day-to-day. We want to be as transparent as possible. The PPACG has had some controversy in recent weeks. Has that affected your job? [The PPACG board voted in December to place Executive Director Rob MacDonald and two other senior leaders on paid administrative leave. MacDonald’s contract is up this month, and there are indications it won’t be renewed, according to the Colorado Springs Independent.] Yes, the board has taken action to put some senior people on administrative leave. That is going to work itself out — something that is mostly just about personality conflicts. Instead of focusing on the negative, we’re looking at the awesome things the community is doing with PPACG and focusing on that right now. Do you have advice for other young professionals? Ask around you, find people you like, join groups like the Colorado Springs Rising Professionals. If you find people who live here and want to stay here — those are the people you should connect with. What do you like best about your job? I love that it’s different every day. I love that it’s a challenge. I love the overarching belief that what we do every day is important; that my input will make a difference. It’s fascinating and wonderful to see all these governments working together. CSBJ n

8 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

SMALL BUSINESS

Zenith Advisors Established: 2016 Employees: 1 Photo by Amber Baillie

Bruce McClintock started Zenith to help new companies achieve success. He’s a retired Air Force brigadier general.

Contact: Zenith1@zenithadvisorsgroup.com

Zenith Advisors designed to mentor, grow local startups By Amber Baillie

fter a nearly 30-year career in the U.S. Air Force, retired Brig. Gen. Bruce McClintock was ready for a new opportunity to serve — leading him to start his own business in the private sector, one that offers strategic insight and advice to new companies using the experience he gained from a far-reaching, successful career. McClintock received a commission from the Air Force Academy in 1987, serving in a variety of roles as a fighter pilot, White House Fellow and astronautical engineer. His last assignment before retiring in October 2016 was at Peterson Air Force Base, working as a special assistant to the commander at Air Force Space Command. McClintock decided to stay in the area and established Zenith Advisors Group LLC, a small consulting group that works with startup entrepreneurs and defense national security organizations to help them achieve their goals.

He said the main reason for building his business was his overarching desire to serve. “My entire life has been about service, serving in uniform,” he said. “Over time, I’ve come to realize there are a lot of ways to give back. One pillar of Zenith is to continue to serve the nation through a different vehicle, doing work for the government.” McClintock is also an adjunct analyst for Ram Corp., a job he took on thanks to his background in the military. “After having a diverse career in the Air Force, I wanted to build diversity into my business model,” he said. Zenith focuses on fi lling the gap between highcost consulting fi rms and individual consultants. McClintock said creating a formal business agreement with clients isn’t part of his business model. Most of the work the company has done so far has been pro bono. “It’s not about the Boeings; it’s the breweries, local businesses just starting out,” he said. “The business isn’t designed to generate revenue off a startup. I’m trying to find the sweet spot between a transactional relationship and charity.”

NEW HEIGHTS McClintock said his vision for the business is helping others climb higher, guiding them to new heights in their endeavors — such as helping startups identify strengths, weaknesses and threats during vulnerable, cash-limited phases in their businesses. “What most startups want is an income stream, but they lack the resources,” he said. “What they also tend to lack is the experience and insight on how to avoid standard pitfalls of any organizational endeavor.” McClintock said he loves climbing mountains, both literally and figuratively, whether it’s Colorado 14ers or organizational objectives. Through his journey, he said, he’s gained the greatest satisfaction in helping friends, family or those he’s led in the military reach their summits. And because the mountain concept deeply resonates with McClintock, he said it led him to the name of his business. “I get energy and excitement about the idea of setting See Zenith page 17

BUSINESS INVESTED. LOCALLY CONNECTED. 719-362-8899 David, Aileen, Richard and Alex

David, Aileen, Richard and Alex

3110 North Nevada Avenue, Colorado Springs, CO 80907

herringbank.com

Colorado Springs Business Journal

City council: Off to the races J

By John Hazlehurst

CAMPAIGN FINANCE

udging from the number of people who attended Tuesday’s City Council candidate information session at the City Administration Building, all six district council seats will be strongly contested in the April 4 election. Not counting city employees and members of the media, there were about 50 attendees, none of whom left during the two-hour presentation. Information-dense candidate packets specifically tailored for each district were available for pickup, including full city and district maps. Twenty-one packets were picked up — five for District 1, three for District 2, two for District 3, four for District 4, three for District 5 and four for District 6. Those attending included incumbents Don Knight (District 1), Andy Pico (District 6) and Helen Collins (District 4). District 3 incumbent Keith King has announced that he won’t run for re-election, and District 2 incumbent Larry Bagley hasn’t yet announced his plans. There were no sign-up sheets, and some candidates skipped the information session. Incumbent District 5 Councilor Jill Gaebler was absent but has already formally announced and has been raising money for several weeks. “We have over $9,000 now,” she said. “We reported $4,886 on Dec. 1, and we’ll be reporting another $4,500 today.” Gaebler’s December campaign finance report included a $1,000 contribution from prominent businessman Chuck Murphy, as well as contributions from former City Councilor Jan Martin and former County Commissioner Jim Bensberg. Conspire! CEO Lynette Crow-Iverson plans to oppose Gaebler. Crow-Iverson is active in Colorado Springs, including a stint on the board of directors for Colorado Springs Forward, and is a member of the steering committee for Plan COS, the city’s comprehensive plan. “I’ve got my petitions, and I’m off to get 150 signatures,” she said, flanked by seasoned campaign consultants Sarah Jack and Karole Campbell. To qualify for the ballot, candidates must be 25 or older, have lived in Colorado Springs for at least a year, be residents of the district that they seek to represent and be registered electors of the city of Colorado Springs. Next step: Collect 150 signatures of registered voters living in your district on a nomination petition. It’s not as easy as it sounds. “Most people don’t know what district they live in,” said City Clerk Sarah Johnson, “so their signatures may not count. You can verify their addresses on the spot, but it’s best to collect more than you need. You can start circulating petitions today [Jan. 3] and you have to turn them in by the 23rd.”

Like it or not, money is the mother’s milk of politics. In 2013, Keith King raised more than $70,000 for his successful campaign for the District 3 seat, fending off a strong field that included at-large incumbent Brandy Williams, former City Councilor Tom Gallagher and Bensberg. By contrast, District 4 winner Helen Collins was a model of frugality four years ago, spending a little more than $9,000 to prevail over three opponents. City elections are, as Johnson told the crowd, a unique feature of home-rule cities in Colorado. While disclosure rules are strict, there are no contribution limits, and candidates can accept corporate and individual donations. Elections are nonpartisan — candidates must swear under oath that they are not a candidate to support a specific party. Absent the strictures of either contribution limits or party affiliation, contribution reporting is particularly important. “Candidates, candidate committees, issue committees and political committees must file disclosure statements,” according to the city’s campaign finance website. “There are no limits on the amount of contributions to a candidate or committee. “The threshold that triggers the requirement to file is very low. Once a candidate or a committee has expenditures or receipts of $20 dollars or more during the election cycle, reporting is required for all reporting periods.”

GAME ON The 2013 results suggest that successful candidates need to raise at least $10,000 to prevail, and much more if they face credible, well-funded opponents. This problem is magnified by the brief time available before the April 4 election and the even shorter period before ballots are mailed between March 10 and March 20. City voters and potential donors may be suffering from election fatigue, thanks to Nov. 8. Will this depress turnout and handicap fundraising? We’ll see. Meanwhile, the game has already begun. Yolanda Avila, who ran for an at-large seat in 2015, will oppose incumbent Collins for the District 4 seat, as will newcomer Michael Perez. Marijuana club owner Jaymen Johnson is the only declared candidate (more are certain) in District 3, while American Tire Exchange general manager Christopher Houtchens will oppose Andy Pico in District 6. In District 1, former Colorado Springs Independent employee Tony Gioia will oppose incumbent Don Knight. As the croupier says in Monte Carlo, “Messieurs et mesdames, faites vos jeux!” Ladies and gentlemen, place your bets! And so begins our biennial ritual of civic governance. CSBJ n

Jan. 6 - Jan. 12, 2017

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10 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

KUDOS

ON THE MOVE

Compiled by Bryan Grossman

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

KRONLAGE EARNS RECOGNITION Bryan Kronlage, vice president of Crossconnect Engineering Inc., based in Colorado Springs, has received the Colorado Springs Chamber & EDC’s Ambassador of the Year Award. The award is presented to someone who exemplifies volunteerism and is committed to the mission of the chamber & EDC. Kronlage was chosen by a vote of his peers and the chamber & EDC staff.

DECKER RECEIVES AWARD Rebecca A. Decker, marketing and business engagement manager of the Catalyst Campus for Technology and Innovation and the Southern Colorado Technology Alliance, was named the 2016 Regional Distinguished Young Member of the Armed Forces Communications and Electronics Association Great Plains-Rocky Mountain Region by the organization’s national chapter. Decker will be honored during the Young AFCEA Awards Reception during the AFCEA WEST 2017 Conference in San Diego in February. In 2015, Decker joined the AFCEA Rocky Mountain Chapter Board as the vice president of administration. As a member of the AFCEA Rocky Mountain Chapter Scholarship commit-

tee, Decker helped select 30 Colorado Springs students who received more than $50,000 in scholarships and more than $40,000 in grants to 11 schools on the Front Range. In addition to her work with the AFCEA Rocky Mountain Chapter board, Decker serves on the boards of the Rocky Mountain Chapter of the National Defense Industrial Association and the Lance P. Sijan Chapter of the Air Force Association.

GE JOHNSON CELEBRATES ANNIVERSARY This week marked the 50th anniversary of GE Johnson Construction Co. On Jan. 3, 1967, company founder Gilbert E. Johnson signed the company into business and opened its doors in Colorado Springs, marking the beginning of five decades of construction management and general contracting services. The company remains headquartered in Colorado Springs and has become one of the premier construction firms in the Rocky Mountain and Central regions. The firm specializes in complex and schedule-driven projects across a variety of niches, has completed projects across 14 states, and maintains additional offices in Denver; Vail; Oklahoma City, Okla.; and Jackson and Casper, Wyo. The company plans a yearlong celebration of its milestone.

BUSINESS BRIEFS PEAK VISTA ANNOUNCES BOARD

U-HAUL HAS NEW LOCATION

Peak Vista Community Health Centers elected a new slate of 2017 board officers. Matt Carpenter will serve as chairman. Peak Vista’s board of directors includes these additional officers: Vicki Jo Moore, vice chairwoman; Robert Willson, secretary; Dick Eitel, treasurer; and Ted Borden, at-large. The board of directors includes members Donna Johnson, Lesley Brown, Tim Coutts, Cindy Ellis, Lori Jarvis, Becky Mogensen, Erica Oakley-Courage, Victoria Stone, Pam Taylor and Vincent Yorke. In 2017, Peak Vista’sboard welcomes Marianne Horvath as its newest member.

Colorado Springs Indoor Flea Market has signed on as U-Haul Company neighborhood dealers to serve Colorado Springs. Colorado Springs Indoor Flea Market at 2561 Airport Road will offer U-Haul trucks, towing equipment, support rental items and in-store pickup for boxes. Hours of operation for U-Haul rentals are 10 a.m.-3 p.m. Sunday and Monday; 10 a.m.-6 p.m. Tuesday-Thursday; 9 a.m.-7 p.m. Friday; and 9 a.m.-5 p.m. Saturday. For more information on the flea market location, call 719-630-0853 or visit uhaul.com/locations/ truck-rentals-near-colorado-springs-co-80910/006661.

Brian Bennett

Peter Carino

Strategic Financial Alliance

Ascending to Health

Jared Usrey

James Hoffman

Stockman Kast Ryan + Co.

Bradley Stewart

Andy Ellis

Shorewood Real Estate

New Strategic Advisory Council Vice-Chairman

New Tax Consultant

New Real Estate Professional

New Board Member

New Tax Consultant

New Real Estate Professional

The Institute of Real Estate Management Southern Colorado Chapter No. 53 presents

the 2017 ECONOMIC FORECAST BREAKFAST

Thursday, January 19, 2017 * Doubletree by Hilton Hotel at Circle and I-25 Featuring Keynote Speaker, Tatiana Bailey

Tatiana Bailey has her Master’s in economics and her doctorate in public health, both from the University of Michigan. In the health care arena, Dr. Bailey has focused on programs that aim to increase access and quality while reducing costs particularly for at-risk populations. She also presents to audiences who wish to be better informed about the general framework of the health care system in the U.S.. In the economic development field, she has focused upon economic growth initiatives primarily through the venues of entrepreneurship and innovation. Currently, she is the Director of the UCCS Economic Forum within the College of Business and serves as an economic development resource to local businesses and government. She aims to inform audiences about our national and local economy as well as participate in initiatives that leverage the region's many assets. Brian Wagner provides specialized brokerage advisory services to institutional property owners and entrepreneurial business

Bruce Betts has been a licensed real estate broker since 1985 and has been the Broker/Owner of RE/MAX Advantage since 1998. Remax Advantage has recently been recognized by Real Trends as one of the Top 500 Real Estate Firms in the U.S. Bruce currently holds Residential Specialist), ABR (Accredited Buyers Representative) and

Schedule: Registration: 7:00 a.m. Breakfast: 7:30 a.m. Program: 8:00-10:00 a.m.

Pricing: $40 per person (until Jan. 18 @ noon) $50 per person (at the door) $400 per table (seats 10) Peak Silver Sponsor - $500 Peak Blue Sponsor - $350 Event Counts as 2 CE Credits

Colorado Springs. Working with a team of highly experienced brokerage professionals at Newmark Grubb Knight Frank, he offers a full range of consulting and marketing services including lease review, property analysis, market positioning, tenant representation and transaction management. He is particularly known for his client-centered focus and his diligent efforts guiding clients to achieve their goals and long-term objectives. Doug Carter specializes in the sale of Colorado multi-family properties for Sperry Van Ness. He is the Colorado Springs market expert with over 30 years of experience in multi-family brokerage, market research and apartment ownership. Carter has sold over one third of all 10+ unit complexes in the Colorado accomplishments include the largest multi-family property sale in Colorado Springs history.

For more details, visit us online at

Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

ON THE HORIZON Compiled by Amy G. Sweet

Professional Development

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

Networking Events

Nonprofit Events

Tuesday, Jan. 10

Wednesday, Jan. 11

Tuesday, Jan. 10

Tri-Lakes: Identity theft

1 Million Cups

CNE: The board

Learn how to avoid identity theft with the Tri-Lakes Chamber of Commerce, free, 11:30-1 p.m., Tri-Lakes Chamber, 166 Second St., Monument. Register at trilakeschamber.com.

Learn about local small business challenges and successes, free, 9-10 a.m., Catalyst Campus, 555 E. Pikes Peak Ave. No registration required. For more information, go to 1millioncups.com/coloradosprings.

PPLD: Minding your business

BBB: Buzz with the Bs

Learn what good boards do â&#x20AC;&#x201D; and donâ&#x20AC;&#x2122;t do, $45 for members, $75 for nonmembers, sponsored by the Center for Nonprofit Excellence, The Penrose House 1661, Mesa Ave., 9 a.m.-noon. Register at cnecoloradosprings.org.

Learn how to start and grow a business at the Pikes Peak Library District, free, 9-10:30 a.m., Library21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Learn more about the Better Business Bureau and network with other business owners, 7:30-9 a.m., Cheyenne Mountain Resort, 3225 Broadmoor Valley Road. Go to bbb.org to register.

SBDC: SEO tips Learn the latest tips for Search Engine Optimization, $15, 11:30 a.m.-1 p.m., Pikes Peak Small Business Development Center, 1675 Garden of the Gods Road, Ste. 1107. Register at pikespeaksbdc.org.

Wednesday, Jan. 11 SCORE: Inbox lessons Harness the power of your inbox with the Service Corps of Retired Executives, free, 1-2 p.m., Catalyst Campus, 559 E. Pikes Peak Ave., Ste. 101. Send email to workshops@scorecoloradosprings.com to register.

PPLD: Job interview tips Learn how to ace a job interview, free, 4-6 p.m., Library21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

SBDC: QuickBooks Online How to use QuickBooks online programs with Marta McDonald, $75, 4-7 p.m., Pikes Peak Small Business Development Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc.org to register.

Thursday, Jan. 12 SBDC: Bootcamp Learn how to start a business in this fast-paced workshop, $18, 11:30 a.m.-1:30 p.m., Pikes Peak Small Business Development Center, 1675 Garden of the Gods Road, Ste. 1107. Go to pikespeaksbdc. org to register.

Tuesday, Jan. 17 SBDC: Bookkeeping Learn the basics of bookkeeping with Paul DuMond, $10, 9 a.m.-noon, Ent Credit Union, 7350 Campus Drive. Go to pikespeaksbdc.org to register.

Thursday, Jan. 12 Chamber & EDC: After hours Join the Colorado Springs Chamber of Commerce & EDC at its monthly networking event, free for members, $15 for partners, $25 for nonmembers, 5-7 p.m., Block Advisors, 5360 N. Academy Blvd., Suite 230.

Tri-Lakes: Lunch Join the Tri-Lakes Chamber of Commerce for its monthly luncheon, $17 for members, $22 for nonmembers, free for one guest from each new membership, 11 a.m.-1 p.m., Texas Roadhouse, 16196 Jackson Creek Pkwy. Register: trilakeschamber.com.

Friday, Jan. 13 Rising Professionals: Big Event Join the Colorado Springs Rising Professionals for their 10th anniversary gala with a masquerade theme, dress is casual, 6-8 p.m., The Warehouse, 25 W. Cimarron St. Register: csrisingprofessionals.org.

Tuesday, Jan. 17 Tri-Lakes: After Hours Join the Tri-Lakes Chamber of Commerce for its business after hours; free for chamber members, $5 for partner members and $10 for nonmembers, Discover Goodwill, 15821 Jackson Creek Pkwy. Go to trilakeschamber.com for more information.

Wednesday, Jan. 18 1 Million Cups Learn about local small business challenges and successes, free, 9-10 a.m., Catalyst Campus, 555 E. Pikes Peak Ave. No registration required. For more information, go to 1millioncups.com/coloradosprings.

Wednesday, Jan. 11 Colorado Nonprofit: Webinar Join the National Council of Nonprofits for a twopart webinar about federal policies in Washington, D.C., and how they will affect work in Colorado, 10 -11:30 a.m. Register at coloradononprofit.org.

CNE: Hiring strategies Learn how to recruit and retain top talent with the Center for Nonprofit Excellence, free for members, $10 for nonmembers, 8:15-9:15 a.m., Tim Gill Center for Public Media, 315 E. Costilla St. Register at cnecoloradosprings.org.

Thursday, Jan. 12 CNE: Thank you notes Write thank you notes that will be remembered, with the Center for Nonprofit Excellence, free for members, $10 for nonmembers, 8:15-9:15 a.m., Tim Gill Center for Public Media, 315 E. Costilla St. Register at cnecoloradosprings.org.

Wednesday, Jan. 18 CNE: Message Develop your message with a workshop at the Center for Nonprofit Excellence, 8:30 a.m.-12:30 p.m., Tim Gill Center for Public Media, 315 E. Costilla St. Register at cnecoloradosprings.org.

Thursday, Jan. 26 CNE: Fundraising Learn more about how to maximize your fundraising relationships, $45 for CNE members, $75 for nonmembers, Center for Nonprofit Excellence, 8:30 a.m.-noon. Register at cnecoloradosprings.org.

CSBJ RISING STARS NOMINATIONS

Due Jan. 20, 2017

12 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

Focus

2017 BUSINESS FORECAST

2017: The year ahead holds uncertainties, optimism

usiness leaders are optimistic about the upcoming year — with plans in the works for more education funding, increased real estate transactions and hopes for continuing economic prosperity across Southern Colorado. But there are uncertainties: Will efforts continue to build a workforce whose skills align with business needs? Will the national environment create opportunities for aerospace and defense? What about Obamacare? Below, CSBJ reporters take a look at the year ahead.

EDUCATION

STARTUPS AND ENTREPRENEURSHIP • The Quad. The innovative partnership of Colorado College, UCCS, PPCC and the Air Force Academy is expected to officially open its permanent home in the basement of Loyal Coffee. • Former Gazette building. The conversation around potential uses for the space will be interesting. This could be the year Nor’Wood decides to create something special for the city’s core. • Trump. Uncertainty has surrounded U.S. President-elect Donald J. Trump since November, but one thing is certain about him: Entrepreneurs will be affected by his policies. By and large, Trump is expected by many to be a pro-business president, but small business owners and entrepreneurs should pay close attention to his tax policies, his plans to repeal ObamaCare and other new regulations.

CYBERSECURITY • National Cybersecurity Center. The National Cyber Exchange will become part of the National Cybersecurity Center, merging two major entities dealing with cybersecurity. The NCC will move into its own building and build out its operations center. • Increased oversight. The industry will also prepare to implement the U.S. Department of Commerce’s latest regulations that protect a broad array of federal information shared with private industry. The new regulation affects about 150,000 Department of Defense contractors and subcontractors. Compliance is mandated for Dec. 31, 2017. • Trump. And, like other industries, cybersecurity will face uncertainty as Trump takes charge of developing a new cybersecurity policy for the nation. More couriers and fewer bytes?

Photo by Cameron Moix

Colorado Springs School District 11 is facing a multi-million dollar shortfall.

AEROSPACE AND DEFENSE

RESIDENTIAL REAL ESTATE

• End of sequestration? The aerospace and defense community is holding out hope that the Trump administration and Republicancontrolled Congress ends the stranglehold of sequestration. • More funding? There are questions about funding — particularly as Trump proposed significant Army increases to budget and personnel while campaigning. • Construction. Will Congress increase military construction funding? Will it be included in an infrastructure package? Either choice affects the local economy. • Colorado Springs Airport. The airport just ended a banner year — with new flights and increased activity at its business park. With a new director, the pressure is on to maintain that forward progress.

• Banning Lewis Ranch. The conversation surrounding future residential development of Banning Lewis Ranch continues, and 2017 could turn out to be the year developers and the city reach an agreement about annexation and development. • A tight market. If 2016 is any indication, the local housing market will continue to heat up in 2017. As rent for apartments continues to shoot skyward, first-time homebuyers will continue to fill the marketplace and increase demand for homes under $300,000. • Multi-family growth. As interest rates begin to inch upward, potential homebuyers will be priced out of the bottom of the market and be forced to continue renting (along with traditional renters and the city’s transient military population). These trends will continue to make Colorado Springs an attractive market for investors looking to buy multi-family projects at less expensive rates than in the Denver market.

Photo by Cameron Moix

Residential real estate is expected to continue its meteoric rise in 2017.

• Funding. School Districts 49 and 20 received voter support for additional funding in 2016, while Colorado Springs District 11 failed in its bid for financial help. Academy District 20’s Ballot Issue 3A increases its debt to $230 million to build and improve schools without raising property tax rates. District 49’s Ballot Issue 3B will mean up to $3.3 million in property tax revenue in 2017, as well as additional amounts generated in following years, via a mill levy override that keeps overall tax rates unchanged from today’s rates. But Colorado Springs School District 11 wasn’t so lucky — and now is facing a multi-million dollar shortfall. • Cybersecurity and education. In 2016, the state legislature awarded the NCC $7.8 million to renovate the former TRW building — now owned by UCCS — for its operations. Cybersecurity is an industry pegged to have significant growth in Colorado Springs in 2017, but training and recruiting a workforce to fill potential positions is expected to be a challenge. • Vocational campus. Scheduled to open in August, the Peyton/ Widefield Vocational Education Campus is expected to make a significant dent in the region’s skilled-trade workforce shortage. The campus, which will be located on Foreign Trade Zone Boulevard, is an expansion of Peyton School District’s woods and manufacturing program that began in 2015.

BANKING • Interest rates. As the economy improves and consumer confidence grows, it is likely that another rate increase is on the horizon. Rising interest rates reflect a healthy economy. An increase in the Fed funds rate will signal that the economy is continuing to head in a positive direction. • Trump. All eyes will be on the new administration and how its pro-growth policies will take form. • Technology. It’s an exciting period in payments history for things like P2P payments (person to person). New technologies come into play in 2017. • Business investments. The new year is a good time to review investments, upcoming credit needs and financial goals.

Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

NEXT WEEK

10 COMPANIES TO WATCH

HEALTH CARE

CSBJ File Photo

UCHealth Memorial is planning a major expansion during 2017.

• Affordable Care Act. Thanks to a Republican-controlled Congress and White House, many expect the GOP to finally make good on years of promising to repeal the Affordable Care Act, though perhaps with a delayed effective date. President Barack Obama’s signature piece of legislation means insurance for about 20 million Americans, but soaring premiums and the impact on small business has many, including Democrats, rethinking its efficacy. • Children’s Hospital. By spring, Children’s Hospital Colorado is expected to begin construction on its $154 million inpatient hospital on Memorial North’s campus. Memorial is expected to provide Children’s with a pad-ready site in the first quarter of 2017, and the project is anticipated to be complete in 2018. • Construction. Both the city’s existing hospital systems — Penrose-St. Francis Health Services and UCHealth Memorial — have major growth plans for 2017, to include an expansion at Memorial’s northern campus and perhaps a groundbreaking on a new Centura hospital at Fillmore Street and Centennial Boulevard. In addition, UCHealth officials have begun an $85 million expansion project at Memorial Hospital North. The new construction will add about 130,000 square feet to the existing 230,000-square-foot facility at the intersection of Briargate Parkway and North Union Boulevard. Memorial also begins the new year with a new CEO, Joel Yuhas, who starts next week.

YOU

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18609CENV

14 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

Parsons: New job, new responsibilities From page 4

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              

Council. About 60 to 70 percent of my time over the last year was working in the government affairs capacity. Another piece of that is business climate — working with the city and Utilities on policy. Workforce initiatives is about working with our community partners to determine resources available to businesses and finding out from the business community what they need in the future. Should we expect anything new from your position? Thankfully we have a fantastic team in place. … I think we’ll add a strong emphasis on building a local industry program. That means working with existing businesses on their expansion and retention of jobs. That will be a strong emphasis in 2017 along with a robust plan on how we’ll help businesses on workforce initiatives. We just launched our new website and in the first quarter we’ll launch a micro-site that’s specifically targeted around talent attraction and retention. What things about the city make your job easier? We have great systems on which to draw — the universities, the community college, the transitioning military. We have quite a lot of supply. We also have a higher-than-average educated community. More than 36 percent of our population has a bachelor’s degree or higher. We also have the ability to work with local institutions to retrain large groups of people. … One of the best things about Colorado Springs is the accessibility of people. When we have a challenge we can rally the troops. Colorado Springs also has a great quality of life and is an affordable place to live with access to the things people want. What are its challenges? Overcoming perceptions that misrepresent us. We will be working with the same economic development and market-

ing company [Development Counsellors International] we worked with on our website and we’ll have a bigger proactive focus on regional and national public relations. We’ve rested on the fact that we’re a great place to be, but we will be much more proactive in 2017 on how we present ourselves regionally and nationally. Any target industries in 2017? We’ll maintain our target industries of aerospace and defense, IT, sports — cyber is obviously an up-and-coming industry and health care is strong. One thing we’re likely to do in 2017 is we’re going to have an economic development strategy process. … It’s important for us, as an organization, to look at our industries and ask if we’re still on track. One reason is, when you choose your target industries, you have to have the labor force to support them. We’re likely to stay strong in those industries but we will study to see if we’re aligned properly. We’ve allocated significant resources to local industries to help them grow, but we’re also attending very specific trade shows and we hosted a familiarization tour last September for the first time in about 10 years. That’s where we bring site selectors and some companies who are interested in the community to the region to see who we are, what we offer and why they may want to bring their clients here or move here themselves. We’ll do that again in September. Do you have 2017 milestones in your new position? I think sometimes when people take new positions, they can be tempted to try and do it all. For me, in 2017, I want to listen really well. We have a strong team and we will likely add to it in 2017, but I want, with local industries and prospects, to listen really well and make sure we understand what success means for the community. We want to know, however we’re measuring ourselves, if it’s meaningful for the community. CSBJ n

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

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WILLARD

PHILLIPS

LISCHICK

PARSONS

YUHAS

People: 17 to watch this year From page 5

modernize the West Colorado/Manitou Avenue area. Tony Ensor. As president and general manager of the Sky Sox, Ensor and the team’s ownership still have a chance to work with business interests on the idea of a downtown ballpark. It’s a delicate situation, but it still could happen.

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DAHLIN

Bob Willard. The developer of Gold Hill Mesa prefers to stay out of the limelight, but he’s active behind the scenes. The parent company sent positive signals in mid-2016 that construction on a new commercial presence, comparable to some aspects of University Village Colorado, might begin in 12-18 months. So we might be hearing more specifics fairly soon. Greg Phillips. Just starting as new director of the Colorado Springs Airport, Phillips brings ties with multiple airlines from his years in Vail. With that, and the chance for Frontier adding more nonstop service, Phillips could have an instant impact.

Dot Lischick. The only general manager in the Broadmoor World Arena’s 19-year history now is working to make the most of the partnership with Anschutz Entertainment Group, which should mean more top-drawer entertainment for the arena and Pikes Peak Center. David Dahlin. In his third year as CEO of the Colorado Springs Fine Arts Center, Dahlin now plays a vital role in implementing the FAC’s alliance with Colorado College. Hannah Parsons. In just a few years, Parsons has established herself locally, first as an entrepreneur and now as the new chief economic development officer for the Colorado Springs Chamber & EDC, along with having served as chairwoman of the Downtown Partnership. Joel Yuhas. The new president/CEO of Memorial Hospital, who starts next week, has the chance to continue UCHealth’s resurgent momentum in the local health care market. CSBJ n

Colorado Springs Business Journal

THE LIST: STAFFING FIRMS

Staffing Firms

Ranked by Local Full-Time Staff

Jan. 6 - Jan. 12, 2017

From The Book of Lists: Power Pages

Ranked by Local Full-Time Staff*

Just Missed The List

Rank

7 - Community Outreach Inc. 8 - TPM Staffing Services NR - Remedy Intelligent Staffing

1 2 3

To purchase your own Book of Lists or the full Staffing Firms List, call Helen Robinson at 719-634-5905

Don’t miss The List Jan. 13: Private Sector Employers Jan. 20: Auto Dealers

4 5 6

Name Address Website Email Phone TEKsystems, Inc. 102 S. Tejon St., Ste. 600 Colorado Springs, CO 80903 teksystems.com scabrera@teksystems.com 719-866-6900 ADD STAFF Inc. 2118 Hollow Brook Dr. Colorado Springs, CO 80918 addstaffinc.com cari@addstaffinc.com 719-528-8888 WSi Healthcare Personnel 8540 Scarborough Dr., Ste. 200 Colorado Springs, CO 80920 wsijobs.com aliciaw@wsijobs.com 719-630-7500 Aerotek 2 N. Cascade Ave., Ste. 400 Colorado Springs, CO 80903 aerotek.com N/A 719-277-6000 Apprentice Personnel 3134 W. Colorado Ave. Colorado Springs, CO 80904 apprenticepersonnel.com will.temby@apprenticepersonnel.com 719-473-5800 Job Store Inc. 5390 N. Academy, Ste. 100 Colorado Springs, CO 80918 jobstorestaffing.com glenda@jobstorestaffing.com 719-574-4200

No. Local Employees

Placement Specialty Areas

Local Person in Charge, Title

Parent company, City, state

Year Est. Locally/ Originally Founded

Information technology with defined expertise in applications, network infrastructure, end user support and communications

Nate Fullerton, Manager of Business Operations

Allegis Group N/A

N/A 1982

Accounting, administrative, engineering, executive, information systems, health care, legal, technical

Cari Shaffer, President/ Colorado CEO, Kelly M Shaffer, Springs, CO Vice President/COO

1984 1984

Medical, dental, pharmaceutical, mental health, Colorado Department of Corrections, statewide hospital staffing, GSA, government

Alicia J. Wellington, CEO

Denver, CO

1998 1988

Government services, commercial engineering, manufacturing/warehouse, professional services, construction and environmental

Jenn Berns, Account Manager

Allegis Group Colorado Springs, CO

1996 1983

Skilled and semi-skilled labor, light manufacturing, hospitality, banquets, clerical, property management

Will Temby, Lon Matejczyk, Larry Hannappel, Managing Partners

Mountain Prairie 1996 Holdings, LLC 1991 Colorado Springs, CO

Accounting, administration, customer service, engineers, financial, hospitality, IT, legal and manufacturing, warehouse

Glenda K. Rasmussen, Denver, CO Branch Manager

2000 1974

*In cases of a tie, secondary ranking is by number of placements in 2016. 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 helen.robinson@csbj.com.

Jan. 27: Banks Feb. 3: Micro Breweries This is the top listing of Stafﬁng Firms that responded to questionnaires, notices and telephone inquiries.

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16 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

2017 Events January 26

March 16

April 13

Captains of

INDUSTRY

May 18

June 22

Power Lunch

Legislative Wrap-up August 17

Power Lunch

Mayorâ&#x20AC;&#x2122;s Panel

September 21 CO LO R A D O S P R I N G S B U S I N E SS J O U R N A L

Sports Lunch November 16

July 20

October 19

FASTEST

GROWING

COMPANIES December TBD

For sponsorship opportunities or more information, please call

634-6505 All dates subject to change

for up-to-date information, go to www.csbj.com/events

Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

2017: Optimism reigns in commercial real estate From page 1

“That hopefully will bode well for our economy in the coming years,” he said. “That creates a ripple effect in the local real estate market.” Stamp also said that although the Denver real estate market has started to level off, it still remains hot. In coming years, he sees this as a strength for Colorado Springs, which is geographically close, but offers more reasonably priced real estate — Quantum options. “We’re starting to see a ripple effect where people are starting to buy homes down here because the market is so expensive in Denver,” he said. That was one reason Quantum decided last year to enter the residential market. Stamp said the company began to see a rise in demand for residential services among its commercial clients

and that Quantum is “happy to fill that niche.”

AREAS OF STRENGTH In terms of strong geographic commercial and residential markets this year, Stamp said the northeast quadrant of the city continues to be promising thanks in part to investor activity and development at Interquest Parkway, Powers Boulevard and along the I-25 corridor. Stamp also expects to see substanReal Estate tial market growth in the Jackson Creek area in Monument and the southwest part of Colorado Springs, which is beginning revitalization projects along the South Nevada and South Tejon corridors that many are branding as a new gateway to the city. “Those should completely change that part of town in the coming year,” he

“Investors see Colorado Springs as a great market for real estate acquisitions.”

said. “I think those developments will really fill those niches down there.” Infill development will continue to be a necessary and growing share of the local real estate market, he said. Building should also increase to levels not seen in 20 years, he said, and will be led by demand for speculative building in the industrial market around the Colorado Springs Airport and along the I-25 corridor. Retail growth throughout the city will also continue to do very well and promote residential growth in the neighborhoods surrounding it. “They’re all marching forward very fast,” he said.

OFFICE SPACE He added the caveat that rent prices aren’t quite high enough to promote building new office space — partly because the city already offers more supply than demand — but that he expects that to change in the coming year, as Denver companies continue to look south for more affordable and accessible options. Investment activity will continue to

Photo by Cameron Moix

Colorado Springs real estate experts say continued population growth and job opportunities will bolster residential and commercial markets in 2017.

embolden the Colorado Springs market, he said, as it did in 2016 with record-breaking purchases of hotels and apartments by a wide variety of buyers. “It’s so hard to find reasonably priced investments in the Denver market,” Stamp said. “They’re always looking down here, but it’s very hard to find those properties down here because we just don’t have the numbers. When they go on the market, they get snapped right up.”

AGREEABLE REPORTS In concert with Quantum and its optimistic 2017 forecast is Chicagobased real estate company Cushman & Wakefield — which has a large presence in Colorado Springs and recently published its 2017 U.S. Macro Forecast. The forecast said the U.S. economy generally, and the real estate market specifically, should perform well in 2017, surpassing the successes of the past 12 months. “Even before the election, the U.S. economic fundamentals were showing signs of heating up,” said Kevin Thorpe, the company’s global chief economist. “We observed a big [gross domestic product] number in Q3, accelerating wage growth, surging consumer confidence — a string of really robust trends were already forming. Now when you layer in the expected tax cuts and spending multipliers from the new administration, it creates an even stronger economic backdrop for the property markets heading into 2017.” Cushman & Wakefield anticipates GDP growth to reach 2.3 percent in 2017 and 3 percent in 2018, which could generate up to 3 million new jobs and work wonders for the real estate market — especially in already-strong local economies such as Denver and Colorado Springs. “By and large, the outlook for the U.S. economy over the next few years remains positive,” according to the report. “Although headwinds have come and gone and come again, the major force driving growth — the consumer — is still gaining momentum. … We believe there will be a net positive impact on economic growth as well as the property markets in 2017 and 2018.” CSBJ n

Zenith: New business takes on startup development From page 8

an objective or lofty goal and planning to achieve it — gathering the resources and undertaking the effort to get there,” he said. “I was trying to think of words similar to ‘peak’ or ‘summit’ and began thinking about space terms and came across ‘zenith.’ According to its dictionary definition it means ‘highest point.”’

STUDENT COMPETITION In December, Zenith partnered with Pine Creek High School and Peak Social Insights to give students the chance to develop a logo for the business. “I reached out to the school and asked, ‘Would you be open to students designing a logo for my company?’” he said. “I couldn’t guarantee that I would use any of the

student designs but was happy to give them feedback on their work.” A panel of judges from the local business sector took part in the competition, giving students feedback and a score on their design. About 20 from Pine Creek’s graphic arts class participated and the top three winners received gift certificates for Amazon. “It wasn’t about buying a design, it was about hopefully motivating high school students and going back to the business’ vision of helping others climb higher.”

NEXT PHASE McClintock currently works from home and remote locations such as Catalyst Campus, where he said he might rent space in the future. “Right now, the business is in its development phase. I’m in discussions with several people to take on as

Zenith adjuncts. The model isn’t to be a big company with a lot of full-time employees, rather to keep it small and focus on helping local companies.” McClintock hopes to build a team he referred to as a “Board in a Box,” where on-call advisory boards provide mentorship and feedback to new companies on the path to business development. “In the early stages, a lot of startups have the enthusiasm and passion but don’t necessarily know how to vector that. They need people to help set boundaries and sometimes [that] looks like a board of directors,” he said. The design of the business gives McClintock the flexibility to focus on the things that he thinks are most important, he said. “It also allows me to serve in a way that is free from the encumbrances of the government model,” he said adding, “That’s the beauty of the private path.” CSBJ n

18 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

OTHER VOICES

The new year brings a wake-up call A s you travel back and forth to Denver, as you climb the mountains to the ski resorts, a nagging question remains: Is it true that some people want to “Keep Colorado SASSOWER Springs lame”? Given the number of military retirees in the city — ranked second in the country by the Military Times, about 20 percent of the population — the conservative ideology they embody also dominates local politics and business. What are the implications, here and now? There are two strains that characterize conservative ideology: economic and social. Economically, conservatives embrace a neoliberal market-capitalism with competition as the engine that drives the train without government constraints. It also means balanced budgets and the integrity of the business world — transparent and accountable — maximizing profits with efficiencies that eliminate waste. Being consistent with this conservative convention means that government policies should not interfere with businesses, so locally government should not be bloated like the city-owned utilities or all the military bases. The ideology also means absolute freedom to pursue one’s economic dreams of

Raphael

prosperity — no matter how they might affect the rest of the community. Forget about controlling pollution or regulating hazardous materials in the air or waterways; forget about telling people what to eat and drink, smoke or listen to. Residents are consumers whose tastes and preferences ought to be left alone by public servants. When it gets to social matters, the conservative line observed in the 2016 election cycle means laws restricting abortion, supporting the death penalty and reversing the social services that have been available since the New Deal — privatizing Social Security, abolishing ObamaCare and finding Supreme Court justices who will undo liberal initiatives. Since most of these are federal, we are left with narrow windows of government intervention into our local social choices, from recreational marijuana to allowing businesses to operate on Sundays (some are state laws, some city). So, as another year ends and a new one is upon us, what direction will city leaders take? More importantly, who are our city leaders? Are they the elected officials, from the mayor to city council members? Or — as is more widely understood — are our political leaders those with large real-estate holdings and family wealth?

Perhaps both groups should think about their roles not to “keep Colorado Springs lame,” but turn it into a vibrant metropolis. To begin with, decide whether Colorado Springs is the Soviet Union or a modern capitalist city. If it’s the latter, sell the utilities enterprise the way you sold Memorial Hospital. There are experts out there who can run it better and not make us sick from pollution. With a hefty endowment, you can afford to take care of our infrastructure without raising taxes. Second, as true conservatives, we should reduce local regulations, from building codes to those governing recreational pot shops. Let businesses thrive because there is consumer demand, and don’t tell people what they should or should not do. “1984” was a dystopian novel, not a blueprint for our city. Big Brother is still dictating who prospers with the kind of secret “double-speak” that George Orwell would fi nd amusing. Third, when old oligarchs of yesteryear still call the shots, when retired military personnel and wealthy people run committees and the council, how can young entrepreneurs expect to succeed? They move to Denver. Who takes care of training the future leaders of Colorado Springs? Unfortunately, the Chamber & EDC is

“1984” was a dystopian novel, not a blueprint for our city.

more concerned with the low-hanging fruit of the military-industrial complex than in nurturing small businesses. Fourth, the military-industrial complex has been good to the Springs, perhaps too good. It’s time to realize that under a new federal conservative regime, military budgets may shrink and waste curtailed. What is our contingency plan for decreased military funding? What have we done to cater to those in uniform who live here and are looking for an exciting environment beyond bars? We can’t even fund the Olympic Museum and Hall of Fame or a stadium downtown to demonstrate our commitment to athletes, soldiers and the outdoors. Finally, if we plan on getting out of the “lame” category, perhaps all we need to do is look north to Denver, a dynamic metropolis with more diverse industries than here, with a greater percentage of young people in its population, and with a greater sense of open-mindedness and youthful energy. What’s their secret? Two things stand out: First, leadership with a vision (beyond low taxes), and second, recreational pot that has less to do with smoking marijuana than with a mindset that is open and inviting, that lets all citizens, young and old, military and civilian, feel that the city supports their interests. Isn’t this what conservatism stands for? Raphael Sassower, UCCS professor of philosophy, can be reached at rsassower@ gmail.com. See other articles at sassower. blogspot.com.

Cognitive diversity: It’s more than just fun and games

s the holiday season draws to a close, I realize that — like most inattentive men — it’s the one time of year I re-establish contact with my closest friends through the sterile exchange of self-aggrandizing letters printed in holiday colors and fancy fonts interwoven through an uncomfortable number of vacation photos S O L T I and images of spirited pets. Most letters I receive get fi led pretty quickly, but I’m careful to scan each return address for my annual communique from one particular buddy. It’s not so much for the standard banter about the year in review, but it’s thanks to the unique nature of his greetings and salutations. See, Greg “Box” Cain opens and closes each message with an extended stream-of-consciousness word association based upon our names. I’ll forgo examples built off my nickname, since I’m writing this article for a paper in a community in which I hope to reside for some time. Instead, I’ll give you an example of what Box’s closing might look like. “Warmest regards, “Box, Cain, Candy, Corn, Ear, Van Gogh, Painter, Paint, Horse, Pinto, Beans, Gas, Oil, Middle East, Refugee, Red Cross, Red Dawn, Patrick Swayze, Patrick Stewart, JeanLuc Picard, Captain, Navy, Air Force, Army, Marines, Yuma, Arizona, Cardinals, Bird, Love, Much Love!” In truth, the flow typically extends many more lines, but I’m sure you get the point by now. Box’s letters capture my interest because they are

Dr. Jim

unique, personal, creative and weird. They give me insight into his mind and take mine on wild journeys, waking rarely used synapses in the exploration of my own imagination. There is power in the kind of relationship we have. Together, we’re more creative and more spontaneous. I guess that’s what made us successful military officers when we worked together trying to tackle some very sophisticated problem-sets in support of operations overseas. In reflecting, we shared a trust and openness; one that was void of judgment. We challenged each other. Our differences became our strength. Teamwork built from cognitive diversity. Box and I quickly learned to bring others with a vast array of backgrounds into our group. The “name game” transformed into something much more important. Each person was primed to unleash the power of his or her own mind, exploring new ideas and solutions that would otherwise be hidden. There exist a growing number of commercial companies — the typical example being from Silicon Valley — that have cracked the code on this concept. Their organizational structure, labor force, processes and procedures, even their incentive and reward programs, are all built from a single core principle. It’s almost unfortunate that the organizational climates of such companies are also fun, creative and inspirational. They don’t look like work. They appear to

be frivolous playgrounds for Millennials. But nothing could be further from the truth. Today’s world is so complex, integrated and dynamic that traditional organizational processes tend to be too slow and cumbersome to maintain pace. Moreover, organizations are discovering that cognitively diverse teams produce richer solutions faster, and develop products that connect better with customers. It’s the basis for almost all human-centered design and design-thinking methodologies. The United States Department of Defense has recognized the potential of this business mindset and continues to explore various means for inculcating such approaches into our traditionally rigid structure and training programs. I am proud to be part of an organization, the U.S. Air Force Academy, which in many ways is leading our military in this arena. The Academy regularly integrates STEM (Science, Technology, Engineering and Math), humanities and social science expertise in devising and prototyping solutions to some of our nation’s most challenging problems. We purposely seek opinion, difference and outof-the-box solutions. And now with the addition of CyberWorx, the Air Force’s newest design center located at the Academy, we’re gaining unstoppable momentum. Dr. Jim Solti is chief scientist at the U.S. Air Force Academy. Reach him at james.solti@usafa.edu.

Today’s world is so complex that traditional processes tend to be too cumbersome to maintain pace.

Colorado Springs Business Journal

EXECUTIVE HOMES

Jan. 6 - Jan. 12, 2017

Your source for ﬁne homes in the Colorado Springs area. For more information call 634-5905

The Bobbi Price Team

Bobbi Price 719-499-9451 Jade Baker 719-201-6749 Stephanie Hawthorne 719-210-0480 $37,995,000 IN CLOSED SALES IN 2015

14330 Park Canyon Road – Park Ridge - $449,500

5903 High Noon Avenue – Indigo Ranch - $469,000

Brand new open & contemporary 5 bedroom, 3 bath stucco & stone rancher built by Charter Craft Homes. Sits on 2.5 acres with sweeping unobstructed Pikes Peak & mountain views. Over 4000 sq. ft.. 3-car garage. Gourmet granite island kitchen with double ovens & staggered birch cabinets with crown molding. Large master suite with 5-piece master bath. Gas log fireplace. Central air. 30x10 covered composite deck. Paved driveway. Just west of Schriever AFP & 11 miles to Hwy 24 & Hwy 94 intersection. MLS# 7679346

Gorgeous 4988 sq. ft. 5 bedroom, 5 bath rancher on corner lot with park across the street. Gourmet island kitchen. See-through gas log fireplace. Spacious master with his & hers closets & 5-piece bath. 4 other BRs (3 with walk-ins & 2 with private baths). Wet bar & pool table. Extensive hardwood flooring. 9’ & 10’ ceilings. A/C. Dual furnaces & humidifiers. 40x13 patio. 25x18 enclosed & tiled front courtyard. 4.5-car garage. Professionally landscaped. Immaculate. Stucco with tile roof. MLS# 9443881

3335 Angelstone Point – Peregrin - $825,000

1043 Greenland Forest Drive – Monument - $579,900

Stunning contemporary 5018 sq. ft. custom walkout rancher on 2.67 acre end of cul de sac ridge top lot with 360 degrees of dramatic city, mountain, & rock formation views. 4 bedrooms, 4 ½ baths. 3-car garage. Gourmet granite & stainless steel island kitchen. Formal dining. Master suite with fireplace, 5-piece bath, balcony, & walk-in closet. Office. 4 fireplaces. Stone & stucco with tile roof. Built around inside 2-story atrium with waterfall & spa. 44x9 trex deck & 30x13 patio. Glass everywhere. Gated entrance. Luxury at its finest. MLS# 1001254

Gorgeous & immaculate 4039 sq. ft. 4 bedroom, 3 bath stone & stucco walkout rancher on 9/10 acre forested private lot. Granite counters in kitchen & all baths. See-through river rock gas log fireplace between bayed eating nook & living room. Hardwood flooring. Updated lighting & hardware. 5-piece master bath. 3-car garage. A/C. Open great room floor plan. Formal dining room. Main level office with glass French doors. Covered front porch, rear deck, & side patio. Towering pines, scrub oak, & wildlife are you only rear neighbors. Show like a model. MLS# 3404436

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PUBLIC NOTICES COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201600995 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 4, 2016, 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): JENNIFER R. BAEZA Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR ACADEMY MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: August 22, 2012 County of Recording: El Paso Recording Date of Deed of Trust: August 23, 2012 Recording Information (Reception No. and/or Book/Page No.): 212098147 Original Principal Amount: $133,536.00 Outstanding Principal Balance: $124,476.82 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3 IN BLOCK 10 IN SMARTT’S SUBDIVISION NO. 5, FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 29 N GARLAND AVE, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 02/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/9/2016 Last Publication: 1/6/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244

(855) 411-2372 www.consumerfinance.gov DATE: 10/04/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-012909 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. EPC201601002 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 5, 2016, 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): DARRYL E. MONEY Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR IMORTGAGE.COM, INC. Current Holder of Evidence of Debt: LOANDEPOT.COM, LLC D/B/A IMORTGAGE Date of Deed of Trust: September 18, 2013 County of Recording: El Paso Recording Date of Deed of Trust: September 20, 2013 Recording Information (Reception No. and/or Book/Page No.): 213119688 Original Principal Amount: $296,235.00 Outstanding Principal Balance: $283,609.00 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 9, BLOCK 16, BANNING LEWIS RANCH FILING NO. 6, COUNTY OF EL PASO, STATE OF COLORADO, AS AMENDED BY AFFIDAVIT OF PLAT CORRECTION RECORDED JUNE 29, 2007 UNDER RECEPTION NO. 207087568. Also known by street and number as: 8022 NOBLE FIR COURT, COLORADO SPRINGS, CO 80927. 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, 02/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/9/2016 Last Publication: 1/6/2017 Name of Publication” Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO

ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/05/2016 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: Joan Olson #28078 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-747574-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. EPC201601003 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 5, 2016, 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): RONALD J LOUGHLIN, JR. Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR LENDER, AMERICAN SOUTHWEST MORTGAGE CORP. Current Holder of Evidence of Debt: U.S. BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE RMAC TRUST, SERIES 2016-CTT Date of Deed of Trust: March 04, 2010 County of Recording: El Paso Recording Date of Deed of Trust: March 15, 2010 Recording Information (Reception No. and/or Book/Page No.): 210023877 Original Principal Amount: $176,739.00 Outstanding Principal Balance: $114,436.02 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 26 IN BLOCK 6 IN CIMARRON HILLS FILING NO. 5, EL PASO COUNTY, COLORADO. Also known by street and number as: 1280 COMMANCHERO 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, 02/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/9/2016 Last Publication: 1/6/2017 Name of Publication: Colorado Springs Business Journal

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/05/2016 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 # 16-939-29523 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. EPC201601007 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 6, 2016, 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): 3923 MAIZELAND RD. A, LLC Original Beneficiary(ies): THE BANK AT BROADMOOR Current Holder of Evidence of Debt: NORTHSTAR BANK OF COLORADO F/K/A THE BANK AT BROADMOOR Date of Deed of Trust: June 07, 2010 County of Recording: El Paso Recording Date of Deed of Trust: June 09, 2010 Recording Information (Reception No. and/or Book/Page No.): 210054429 Original Principal Amount: $604,578.00 Outstanding Principal Balance: $506,750.18 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 2, RAKO SUBDIVISION FILING NO. 2, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 3923 MAIZELAND, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 02/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence

Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

PUBLIC NOTICES 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: 12/16/2016 Last Publication: 1/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/06/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Lyndsay S. Ressler #37015 Ressler Law 30 East Kiowa St., Suite 101 Colorado Springs, CO 80903 (719) 578-0200 Attorney File # 3923_MAIZELAND 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. EPC201601015 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 7, 2016, 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): JARED J SANDERS AND ERICA A SANDERS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR PEOPLES NATIONAL BANK, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: March 20, 2014 County of Recording: El Paso Recording Date of Deed of Trust: March 20, 2014 Recording Information (Reception No. and/or Book/Page No.): 214022823 Original Principal Amount: $169,900.00 Outstanding Principal Balance: $164,289.19 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 17, EXCEPT THE SOUTHEASTERLY 2 FEET THEREOF AS MEASURED AT RIGHT ANGLES TO AND PARALLEL WITH THE SOUTHEASTERLY LINE THEREOF IN BLOCK 3 IN EASTMORLAND SUBDIVISION NO. 3, EL PASO COUNTY, COLORADO. Also known by street and number as: 832 KINGSLEY DRIVE, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 02/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying

the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/16/2016 Last Publication: 1/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/07/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-012731 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. EPC201601025 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 11, 2016, 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 BOWMAN FAMILY TRUST Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FIRST CHOICE LOAN SERVICES, INC., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: COLONIAL SAVINGS, F.A. Date of Deed of Trust: April 10, 2014 County of Recording: El Paso Recording Date of Deed of Trust: April 15, 2014 Recording Information (Reception No. and/or Book/Page No.): 214030762 Original Principal Amount: $148,800.00 Outstanding Principal Balance: $145,314.41 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 35, BLOCK 1, STETSON HILLS SUBDIVISION FILING NO. 8, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6630 HOLT DR, 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, 02/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and

other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/16/2016 Last Publication: 1/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/11/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-012707 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. EPC201601029 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 12, 2016, 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): GERALD E COLLINS JR Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR ACADEMY MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: August 29, 2012 County of Recording: El Paso Recording Date of Deed of Trust: August 30, 2012 Recording Information (Reception No. and/or Book/Page No.): 212100969 Original Principal Amount: $245,000.00 Outstanding Principal Balance: $227,014.27 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 128 IN RIDGEVIEW AT STETSON HILLS FILING NO. 33, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 6703 SUMMER GRACE STREET, 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, 02/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all

as provided by law. First Publication: 12/16/2016 Last Publication: 1/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/12/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-012975 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. EPC201601032 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 12, 2016, 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): Wendell Taylor and Christine Taylor Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Crestone Mortgage Corp., LLC Current Holder of Evidence of Debt: U.S. Bank National Association Date of Deed of Trust: December 19, 2007 County of Recording: El Paso Recording Date of Deed of Trust: December 28, 2007 Recording Information (Reception No. and/or Book/Page No.): 207162886 Original Principal Amount: $171,017.00 Outstanding Principal Balance: $150,843.40 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 18, IN CIMARRON - EASTRIDGE FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1570 Peterson Rd, 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, 02/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/16/2016 Last Publication: 1/13/2017 Name of Publication: Colorado Springs Business Journal

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/12/2016 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: Erin Robson #46557 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-748998-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. EPC201601034 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 12, 2016, 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 Westphal Original Beneficiary(ies): Wells Fargo Bank, N.A. Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: April 20, 2012 County of Recording: El Paso Recording Date of Deed of Trust: April 26, 2012 Recording Information (Reception No. and/or Book/Page No.): 212047479 Original Principal Amount: $111,850.00 Outstanding Principal Balance: $103,278.31 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4, BLOCK 1, STRATMOOR VILLAGE, EL PASO COUNTY, COLORADO. Also known by street and number as: 613 Crestridge Ave, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 02/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/16/2016 Last Publication: 1/13/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE

POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/12/2016 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: Joan Olson #28078 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-748740-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. EPC201601037 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 13, 2016, 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): Richard Hart and Angela Hart Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for First Funding Financial Services, Inc. Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: August 18, 2005 County of Recording: El Paso Recording Date of Deed of Trust: August 25, 2005 Recording Information (Reception No. and/or Book/Page No.): 205132445 Original Principal Amount: $167,373.00 Outstanding Principal Balance: $150,010.92 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 8, IN BLOCK 1, IN PASEO ADDITION NO. 6 TO THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2808 North Circle Drive, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 02/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/23/2016 Last Publication: 1/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A

22 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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: 10/13/2016 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: Joan Olson #28078 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-749468-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. EPC201601041 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 14, 2016, 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): BEVERLY J. SPICER Original Beneficiary(ies): ENT FEDERAL CREDIT UNION Current Holder of Evidence of Debt: ENT CREDIT UNION Date of Deed of Trust: May 11, 2009 County of Recording: El Paso Recording Date of Deed of Trust: May 18, 2009 Recording Information (Reception No. and/or Book/Page No.): 209054421 Original Principal Amount: $276,000.00 Outstanding Principal Balance: $142,967.52 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 33, BLOCK 6, RUSTIC HILLS NO. 4, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1911 VAN DIEST 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, 02/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/23/2016 Last Publication: 1/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS.

Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/14/2016 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: Scott D. Toebben #19011 Randall S. Miller & Associates, P.C. 216 16th Street, Suite 1210 Denver, CO 80202 (720) 259-6710 Attorney File # 16CO00474-1 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. EPC201601048 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 17, 2016, 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): RANDALL MCGAW Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR ENVOY MORTGAGE, LTD. Current Holder of Evidence of Debt: PENNYMAC LOAN SERVICES, LLC Date of Deed of Trust: February 28, 2013 County of Recording: El Paso Recording Date of Deed of Trust: March 01, 2013 Recording Information (Reception No. and/or Book/Page No.): 213027767 Original Principal Amount: $152,093.00 Outstanding Principal Balance: $116,747.10 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 2, BLOCK 1, NORTHRIDGE FILING NUMBER 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3990 HALF TURN PL, 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, 02/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/23/2016 Last Publication: 1/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203

(800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/17/2016 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: Monica Kadrmas #34904 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006354526 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. EPC201601055 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 18, 2016, 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): JERROLD B. SPENCER AND TERRI L. SPENCER Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE SOLUTIONS OF COLORADO, LLC, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: January 21, 2009 County of Recording: El Paso Recording Date of Deed of Trust: February 05, 2009 Recording Information (Reception No. and/or Book/Page No.): 209011570 Original Principal Amount: $185,999.00 Outstanding Principal Balance: $164,869.78 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 28 IN BLOCK 1 IN PASEO ADDITION NO. 6 TO THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 2512 PRAIRIE RD., COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 02/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/23/2016 Last Publication: 1/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444

www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/18/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-012391 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. EPC201601059 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 19, 2016, 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 Book: 6811 Page: 518 Original Principal Amount: $64,000.00 Outstanding Principal Balance: $16,697.27 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, 02/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/23/2016 Last Publication: 1/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503

Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/19/2016 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 Dr. Boulder, CO 80305-5500 (303) 494-3000 Attorney File # 7192-9190 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. EPC201601060 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 19, 2016, 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): Frederick S Platt Jr Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for First Horizon Home Loans, a division of First Tennessee Bank, N.A. Current Holder of Evidence of Debt: Federal National Mortgage Association (“Fannie Mae”), a corporation organized and existing under the laws of the United States of America Date of Deed of Trust: August 24, 2007 County of Recording: El Paso Recording Date of Deed of Trust: August 28, 2007 Recording Information (Reception No. and/or Book/Page No.): 207112717 Original Principal Amount: $174,500.00 Outstanding Principal Balance: $157,032.76 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, BLOCK 1, STETSON HILLS SUBDIVISION, FILING NO. 4, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4740 Dapple Grey Lane, 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, 02/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 12/23/2016 Last Publication: 1/20/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503

Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 10/19/2016 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: Joan Olson #28078 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-703140-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. EPC201601077 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 26, 2016, 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): Carlene N A Francis Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Bay Equity LLC Current Holder of Evidence of Debt: RoundPoint Mortgage Servicing Corporation Date of Deed of Trust: February 10, 2015 County of Recording: El Paso Recording Date of Deed of Trust: February 20, 2015 Recording Information (Reception No. and/or Book/Page No.): 215015941 Original Principal Amount: $364,000.00 Outstanding Principal Balance: $359,111.02 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3, BLOCK 14, BANNING LEWIS RANCH FILING NO. 5, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 7293 Cottonwood Tree Dr, Colorado Springs, CO 80927. 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, 02/22/2017, 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: 12/30/2016 Last Publication: 1/27/2017 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: 10/26/2016

Colorado Springs Business Journal

Jan. 6 - Jan. 12, 2017

PUBLIC NOTICES 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: Marcello G. Rojas #46396 Klatt, Augustine, Sayer, Treinen & Rastede, P.C. 9745 E. Hampden Ave., Suite 400 Denver, CO 80231 (303) 353-2965 Attorney File # CO160199 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. EPC201601086 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 28, 2016, 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): Jerry M. Raider and Deaion Oakley Original Beneficiary(ies): Empire Mortgage Corporation Current Holder of Evidence of Debt: The Bank of New York Mellon, f/k/a The Bank of New York, as trustee for the certificateholders of the CWABS, Inc. AssetBacked Certificates Series 2006-5 Date of Deed of Trust: December 13, 2005 County of Recording: El Paso Recording Date of Deed of Trust: December 28, 2005 Recording Information (Reception No. and/or Book/Page No.): 205203518 Original Principal Amount: $154,400.00 Outstanding Principal Balance: $164,366.50 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9 IN BLOCK 1, SUNSET PARK ADDITION, IN THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK X AT PAGE 20, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2545 Lelaray Street, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/6/2017 Last Publication: 2/3/2017 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: 10/28/2016 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: Susan J. Hendrick #33196 Klatt, Augustine, Sayer, Treinen & Rastede, P.C. 9745 E. Hampden Ave., Suite 400 Denver, CO 80231 (303) 353-2965 Attorney File # CO160122 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. EPC201601092 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 31, 2016, 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): THOMAS M AUCKLAND Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR M&T MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: November 15, 2006 County of Recording: El Paso Recording Date of Deed of Trust: November 20, 2006 Recording Information (Reception No. and/or Book/Page No.): 206169425 Original Principal Amount: $168,000.00 Outstanding Principal Balance: $147,322.18 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 17, EXCEPT THE NORTHERLY 7 FEET AS MEASURED AT RIGHT ANGLES TO AND PARALLEL WITH THE NORTHERLY LINE THEREOF, BLOCK 5, NORTHGLEN PARK SUBDIVISION, FILING NO. 4, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1538 ZAIGER PLACE, 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, 03/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/6/2017 Last Publication: 2/3/2017 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: 10/31/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013215 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. EPC201601095 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 31, 2016, 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): Keith E McCullough Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for HomeAmerican Mortgage Corporation Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: September 29, 2010 County of Recording: El Paso Recording Date of Deed of Trust: October 01, 2010 Recording Information (Reception No. and/or Book/Page No.): 210098083 Original Principal Amount: $311,904.00 Outstanding Principal Balance: $279,053.23 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 4, BLOCK 1, BANNING LEWIS RANCH FILING NO. 7, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6628 Big Leaf Lane, Colorado Springs, CO 80927. 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, 03/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication: 1/6/2017 Last Publication: 2/3/2017 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: 10/31/2016 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: Erin Robson #46557 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-750552-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. EPC201601104 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 2, 2016, 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): Gary L. Marshall and Ninfa J. Marshall Original Beneficiary(ies): U.S. Bank National Association ND Current Holder of Evidence of Debt: U.S. Bank National Association Date of Deed of Trust: January 17, 2007 County of Recording: El Paso Recording Date of Deed of Trust: January 24, 2007 Recording Information (Reception No. and/or Book/Page No.): 207011056 Original Principal Amount: $315,000.00 Outstanding Principal Balance: $312,235.90 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, IN WAGON TRAILS SUBDIVISION FILING NO. 17, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED FEBRUARY 15, 2001 AT RECEPTION NO. 201018821. Also known by street and number as: 5159 Spoked Wheel Dr, Colorado Springs, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash,

the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/6/2017 Last Publication: 2/3/2017 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: 11/02/2016 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-16-751259-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. EPC201601106 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 2, 2016, 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): Daniel Ridings Original Beneficiary(ies): Mortgage of Electronic Registration System, Inc., as nominee for Countrywide Bank, FSB Current Holder of Evidence of Debt: Federal National Mortgage Association (“Fannie Mae”), a corporation organized and existing under laws of the United States of America Date of Deed of Trust: August 31, 2007 County of Recording: El Paso Recording Date of Deed of Trust: September 19, 2007 Recording Information (Reception No. and/or Book/Page No.): 207121906 Original Principal Amount: $167,000.00 Outstanding Principal Balance: $182,283.24 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 20, IN BLOCK 19, IN AUSTIN ESTATES SUBDIVISION NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1212 Wynkoop Drive, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt

secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/6/2017 Last Publication: 2/3/2017 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: 11/02/2016 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: Erin Robson #46557 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-750395-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

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24 Jan. 6 - Jan. 12, 2017

Colorado Springs Business Journal