Colorado Springs Business Journal, March 24, 2017 by Colorado Springs Business Journal

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CYBERSECURITY

VOLUME 27, NUMBER 53 | March 24 - March 30, 2017 | 2.00 $

ZOELSMANN’S

Health Care Quarterly With a Republican-controlled Congress and White House, it appears the Affordable Care Act's days are numbered. The GOP has put forward the American Health Care Act as a replacement. Local experts weigh in on how the repeal of the ACA and the implementation of the AHCA may impact health care in the region.

‘State of Downtown’ an optimistic report of a banner year

Photo by Cameron Moix

By Cameron Moix

he Colorado Springs Downtown Partnership released Thursday its second annual “State of Downtown” report, which broadly outlined just how successful 2016 was for the city’s core. The 19-page document — billed as “economic snapshot and performance indicators” — opens with a turn of phrase for all those who have long heralded Colorado Springs as a community hiding in plain sight: “The secret is out.” “Downtown Colorado Springs is capturing notice

nationwide as an urban area on the move,” according to the report’s introduction, “attracting new residents and commerce, guided by business and civic leadership aligned in our vision for a worldclass city center.” The report continued by stating that the city’s core has experienced an unprecedented $600 million in both public and private investment since 2013, while vacancy rates have continued to fall and apartment buildings have started to rise. “It is intended to be an annual report and it really is designed for us to be able to track our trends — hopefully always progress — over time and analyze

YOUNG PRO

Stephanie Treviño turned her business degree into a weapon against slavery.

INSIDE

Ralph Routon on arena ..................6 By the Numbers............................10 Black Hills Energy ........................11 People on the Move......................12 1-on-1: Martha Barton (left) ....... 20 Other Voices................................. 30

EDITORIAL: COMPASSION MAKES A CITY GREAT

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STEPHANIE TREVIÑO

that to figure out where we need to pivot next,” said Susan Edmondson, president and CEO of the Downtown Partnership. The document is geared toward helping people make business decisions, as well as to attract business prospects, she added. In creating the document, Edmondson's team at the Downtown Partnership focused on two trends: How downtown Colorado Springs has changed over time, and how it compares to the city as a whole. “It’s not always about what’s good and what’s bad,” See Core page 24

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Colorado Springs Business Journal

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IN OUR OPINION

Compassion, collaboration needed The issue: Increased homelessness in Colorado Springs is leading to aggressive panhandling, trash and human waste on trails, while also damaging business. What we think: It’s going to take a village to help solve the problem — and local nonprofits addressing homelessness need business support. Tell us what you think: Send us an email at editorial@csbj.com.

hen business leaders traveled together two weeks ago to Charleston, S.C., they spent their free time comparing that city with Colorado Springs — but also discussing some issues that our city is currently facing. And nearly every conversation led eventually to one topic: homelessness in Colorado Springs. And it isn’t just business leaders talking about the homeless. It’s on social media, in the news, in city council discussions and on the minds of downtown developers. What can we, as a city, do to help the homeless and compassionately end the trash on the trails, remove tent cities and halt aggressive panhandling that some say keep people away from downtown Colorado Springs? Economists and city planners say that more homeless and more panhandlers are a natural occurrence for cities with burgeoning economies. But the problem has grown to the point where something needs to be done. Some have suggested tent cities on the east side of town, far from the city core. Others have suggested fines for campers on city trails along Fountain Creek. Still others have insisted that panhandling should be banned. One thing has worked in other cities, and seems to be working in Charleston: Homes. Charleston officials told the Springs delegation of one man

in particular they didn’t think could be helped — the thought was that the individual wanted to be homeless. But once the man was in a permanent home, the rest followed: an end to drug use, an eventual job. Just the solid foundation of a place to sleep at night made the rest possible, they said. Known as Housing First initiatives, the goal is to address the need for homes first, then work on other issues: jobs, drug counseling, behavioral health. It won’t work for everyone, but it’s been successful in other cities. At least, the plans were successful — until affordable housing grew less affordable and waiting lists grew longer. And with the federal budget focused so strongly on national and border security, it seems unlikely that the city will see an increase in block-grant funding to create affordable homes for the homeless. Thanks to both the Gallagher Amendment and the Taxpayer’s Bill of Rights, the state won’t be able to assist either. So that leaves it up to those of us who live and work in Colorado Springs. We should all support the Springs Rescue Mission project to create additional shelter beds and to locate some Marian House functions to their location south of downtown. Other housing advocates — like Homeward Pikes Peak and efforts from The Independence Center — also deserve support of the business community. If the number of homeless, which some say totals about 1,600 in the city limits, is affecting business, then businesses should provide support to organizations tasked with solving the homeless issue. But we should always remember: These are people who deserve our compassion and our help. Not all of the people panhandling are homeless; not all of the people who are aggressive, rude and sometimes threatening are homeless. People who are littering the trails could learn respect both for themselves and for the outdoors, if given the opportunity. Let’s be accountable to each other for creating the city we all want to live in. Colorado Springs can become a city that is compassionate, that supports nonprofits and the people they strive to assist — without criminalizing poverty. CSBJ n

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

CSBJ.com Poll With added nonstop service, are you more likely to fly out of Colorado Springs?

Yes. Prices are falling and the convenience of flying out of COS trumps competitive fares out of DIA.

60%

Maybe. Fares have fallen and options have increased, but DIA still offers way more flights and often at a lower price.

29%

No. Fares are still too high and free parking promotions will not make up the difference.

11%

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

What's the most important issue left for the General Assembly this session? See past results at csbj.com/democracy-archives

Colorado Springs Business Journal

March 24 - March 30, 2017

Experts: Cybersecurity in city set to surge “We have within 65 miles of Colorado Springs six different military installaolorado Springs ranks 16th nations and one major government orgationally in the new Best Cities nization, all that are very dependent for Cybersecurity Professionals on cyber,” he said. report, and experts say it is “That not only has its own organic uniquely placed for a surge in growth needs, but it has created private sector and recognition as a cybersecurity hub. support and companies and entreprePersonal finance website GoodCall. neurs that are necessary in order to com analyzed data from 221 cities for the present capabilities to those government report, highlighting Colorado Springs’ and military installations. excellent cybersecurity job prospects “That in turn obviously creates opporand desirable lifestyle — ahead of cities tunity and that’s a large reason why we including San Francisco, Seattle, Santa see demand and — between here and Monica, Washington, D.C., and Denver. Denver — over 10,000 cyber-related What makes Colorado Springs outjob vacancies.” standing for cybersecurity professionRios said cyber professionals in als? The list is long. Colorado Springs Local cyberare working to security leaders match the fast pace point to the large of the industry and military and govits challenges. ernment pres“What we bring ence, the National is business ac— Ed Peterson Cybersecurity celerators ... and Center, Catalyst business entrepreCampus, academic neurial opportuniinstitutions active in cyber education ties that really are competitive to the and industry partnerships, cross-sector rest of the nation and even to Denver,” collaboration, broad political support he said. “We have tremendous growth for cybersecurity development, innoopportunities and plenty of demand.” vative local companies, workforce deFrank Backes, vice president of busivelopment efforts and low cost of living. ness development for RT Logic and National Cybersecurity Center CEO Kratos, said Colorado Springs’ market Ed Rios said Colorado Springs stands leadership base is also a draw. out for the quality and depth of its cyber “There’s a confluence of demand and jobs market. very high-end expertise that comes By Helen Robinson

“There’s just no telling where it’s going to go, but it’s going to be big.”

together in Colorado Springs in a way that other communities just don’t have,” Backes said. He said critical components of the market leadership and customer base include Air Force Space Command, which develops cybersecurity strategy and is headquartered in Colorado Springs, Schriever Air Force Base’s satellite command and control infrastructure and market presence, as well as private companies driving the need for cybersecurity infrastructure.

COLLABORATION CULTURE Much of Colorado Springs’ outsized cybersecurity success stems from synergy and collaboration at a level not seen in other cities, leaders said. “If you want to be a mover and shaker in this town when it comes to information technology and cybersecurity, you’ve got to see who’s doing what, you’ve got to talk to them, partner with them, and you’ve got to help people solve problems,” said Shawn P. Murray, cybersecurity engineer and chief academic officer with Springs-based Murray Security Services & Consulting. “What’s happening here is not the old humdrum stuff.” Murray praised the Southern Colorado Technology Alliance’s work in examining government contracts and matching local companies to required skill sets. See Cyber page 26

“I heard that their customers actually LIKE calling for support.”

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4 March 24 - March 30, 2017

Colorado Springs Business Journal

Legislature half-done, but much work still ahead

s the General Assembly moves just past its halfway mark for the 2017 session, it’s time to look at the bills that still have a chance to affect the way Colorado Springs companies do business. With state government divided between parties, few bills have made it through the legislature to Gov. John Hickenlooper’s desk.

Amy G. S W E E T

PASSED Regional Transportation Authority House Bill 1018 extends the authority of local regional transportation authorities — like the Pikes Peak Area Council of Governments — to seek voter approval for a mill levy on taxable property within the boundaries of the transportation authority. Current law already allows regional transportation authorities the ability to levy taxes with voter approval, but that authority is set to expire in 2019. With the governor’s signature, that authorization is extended until 2029. Licensing requirement for marijuana HB 1034 creates a medical marijuana license that corresponds to the license requirements for retail marijuana business operations. The law allows licensed medical marijuana businesses to move the company anywhere in the state with approval of both the state and local jurisdictions — just like retail establishments can relocate. Additionally, if tests for retail marijuana find toxic substances, business owners can try to fix the problem if there is a microbial presence. If they can’t, then the product must be destroyed. The new law extends the remediation to medical marijuana as well.

Music and retail businesses HB 1092 changes contracts between restaurants and bars and performing artists. The bill, which has been sent to the governor, allows businesses three days to rescind a contract with a performer and prohibits charging for performances that are already licensed. A performing rights society must file with the secretary of state any schedule of fees it charges to license music, to provide information about a proprietor’s rights and duties under the contract and must provide a catalog of licensed musical works it can perform. Industrial hemp HB 1148 requires additional information from people who are cultivating hemp on an industrial level. The company must list every “officer, director, member, partner or owner” with at least 10 percent or more interest in the entity. If anyone has received a notice of discipline from the state, the application is denied for three years. If a registration is suspended or revoked, a new registration application can be denied for up to three years. The bill has passed both the House and Senate and is awaiting the governor’s signature.

STILL BEING CONSIDERED Teacher shortages A bill that requires the Department of Higher Education and the Department of Education to prepare a strategic plan to address teacher shortages is still making its way through the General Assembly. The bill requires that both departments collaborate with colleges, school districts and other educational interest groups. The goal is to submit the plan to the Colorado Commission on Higher Education by Dec. 1. The bill has passed committee and has been sent to the full House of Representatives. College credit for military training This bill requires the Colorado Commission on

Higher Education to create a statewide metric for awarding college credit for military education and training. Starting the 2018-2019 school year, colleges and universities will be able to award credit for military education using this statewide metric. The bill, which could have a huge impact on hiring veterans in Colorado Springs, is still in committee. Tax credit for Collegeinvest This bill, introduced in the House, allows employers to claim a deduction for any amount contributed to an employee’s college trust account or savings account managed by Collegeinvest. The deduction can be claimed even if the contribution has been deducted from federal taxable income. The bill is still in committee. Advanced industry investment This bill expands investment in advanced industries in Colorado. Under current law, small business investments can take a maximum tax credit of $50,000 for an individual business. The Colorado Office of Economic Development and International Trade determines eligibility for the tax credit and issues certificates used to claim the credit. The maximum amount of credits allowed in a calendar year is $750,000. The bill extends the credit by allowing qualified investments made on or after Jan. 1, 2018, but before Jan. 2, 2023. It increases the total amount allowed to invest to $1.5 million and expands the definition of a qualified small business to companies with less than $5 million in annual revenue or one that has been in operation less than five years. The bill has been sent to the House Appropriations Committee. Longer retail alcohol sales Current law bans the sale of on-premises alcohol between 2 a.m. and 7 a.m. House Bill 1123 allows local governments to extend those hours, as they deem

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necessary. The bill has passed the House and has been assigned to a committee in the Senate. Hickenlooper has indicated that he might not sign the bill, if it reaches his desk. Public benefit corporations Colorado provides special status to public benefit corporations — those businesses that have a social mission as well as a for-profit goal. This bill changes some of the requirements to be considered a b-corporation. It would remove the requirement that a public benefit corporation’s name refer to its status explicitly and instead requires notification to stockholders of its status. The bill has been sent to appropriations. Special sales tax on retail marijuana The Colorado Court of Appeals ruled that current law doesn’t allow counties to levy and collect a separate sales tax for retail marijuana and marijuana products — something Pueblo County relied on to increase money available for a wide variety of products. HB 1203 allows both cities and counties to levy, collect and enforce a special sales tax on retail marijuana and its products. Counties can only levy the tax in unincorporated areas, unless the cities don’t levy taxes on retail marijuana. The bill also requires an intergovernmental agreement between counties and cities to allow counties to collect the tax and specifies that voters must approve the tax. The bill is on its second reading in the House of Representatives. Construction defects The construction industry has long wished for a fix to the construction defects law that makes building condominiums more expensive. Under current law, an entire development can be part of a construction defects lawsuit, even if the defect is limited to a single dwelling. In addition, the insurance needed to protect developers and builders makes it too costly to build condominiums — making it more difficult to build affordable housing in the state. A series of bills is making its way through the General Assembly, designed to address the issues. HB 1270 requires majority approval from a homeowners asso-

Learn more at cu.edu Learn more at cu.edu

Colorado Springs Business Journal

ciation before a single owner can file a lawsuit against the development. It also requires that developers and builders meet with homeowners to discuss the issue before the vote. Another bill changes the definition of a construction defect to “mean a defect in the design or construction of any improvement in real property that causes any damage to, or the loss of, real or personal property or personal injury.” It’s also assigned to the Senate Appropriations Committee. A third bill in the Senate requires mediation or arbitration before a homeowner can file a construction defect lawsuit. Mediators must be neutral third parties, selected in accordance with state and federal law. The homeowners association also must let unit owners know the cost, duration and financial impact of the lawsuit. The bill has passed the Senate and is in committee in the House.

March 24 - March 30, 2017

End the Colorado Health Benefit Exchange The Senate is considering a bill that would repeal the Colorado Health Benefit Exchange, the marketplace set up by the Affordable Care Act to provide federal tax incentives to people who qualify to use the exchange. The repeal would be effective Jan. 1, 2018, but would allow the exchange to remain open for a year to allow people to find alternatives. Any money left after a year would go to the general fund. The bill has been referred to the Appropriations Committee in the Senate. Business Personal Property Tax Senate Bill 9 increases the exemption level for business personal property tax at the state level. The exemption now is set to $7,300 — and the bill increases it to $21,900 for the next two years and adjusts it for inflation after that. It’s been referred to the Appropriations Committee in the Senate. A similar bill in the House, which increased the exemption to $50,000, has been postponed indefinitely. CSBJ n

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6 March 24 - March 30, 2017

Colorado Springs Business Journal

Two decades later, World Arena still rocks the city

n a sunny day in late April 1997, several of us media-types visited a dusty building project off south Interstate 25 for our first look inside what would become the Colorado Springs R O U T O N World Arena. The construction superintendent, Dave Ervin of GE Johnson Construction, spent two hours that day sharing endless information about the effort and detail going into the new arena, as well as how much he appreciated being able to help erect a new showplace for the city. He knew the World Arena would create its own history, just like its predecessor, the old Broadmoor World Arena across the lake from the famous resort hotel. Ervin had grown up here as a regular spectator at the old arena, watching Colorado College hockey games and other events. But he talked about spending the rest of his life enjoying the new arena even more, because he knew how every beam, every piece of wiring and every layer of cement had fit into place. Except it didn’t work out that way. Tragically, just 10 weeks later, Ervin was killed in a car accident at age 46, just six months away from the World Arena’s opening. He had spent half his young life with GE Johnson, help-

Ralph

ing build everything from the Double Eagle casino and hotel in Cripple Creek to prisons and schools, but he never had the chance to experience the thrill of his construction career, built for the Pikes Peak region to enjoy for years to come. Last week, on the Thursday night of March 14, those memories of Dave Ervin came back, vivid as ever. With my wife and adult son, I once again went to the place now known as Broadmoor World Arena, this time for a concert by music legend Sir Elton John. We made our way through the huge crowd that jammed the concourse, passing by many of the personalized ceramic tiles paid for by everyday people who donated to the arena fundraising campaign, including our family. We found our seats and as the sellout throng settled in, I marveled at how the arena looked and felt as spiffy and fresh as when the doors first opened in January 1998. Much has improved through the years, from the sound system and video screen/scoreboard (for sports) to the modernized and themed concessions and bars, the first-rate food service operation and even the murals at entrances to the restrooms. But the arena itself remains a polished, sparkling jewel,

untarnished after nearly 20 years of constant use. As Sir Elton hammered away at his electrified grand piano on such iconic tunes as “Bennie and the Jets,” “Rocket Man,” “Tiny Dancer” and “Crocodile Rock,” I remembered he played the World Arena in 2009. But that was just a solo show with a piano. This time, for whatever reason, became a bigger deal. We found out the next day that this concert had set World Arena records for the most tickets sold in its 19-year history (more than 9,000), the highest-grossing single event (not released, but probably in the $1 million range, since tickets ranged up to $145 on the floor) and the fastest sellout (24 minutes after the public sale began, with the longest lines arena staff could remember). The crowd was pumped, and Sir Elton responded in true form, with his five-man band — several have toured with him 40-plus years — providing all the musicianship and backup vocals. They rocked for more than two hours nonstop, then returned for a two-song encore. They made no compromises to the passage of time, belting out song after song to match the memories. We could make a long list of unfor-

Something about this particular night stood out, like what ESPN might label as an instant classic.

[

gettable events that have taken place inside that building, not just concerts but hockey, skating, touring productions and even political conventions. But something about this particular night stood out, like what ESPN might label as an instant classic. It was that special. I asked for an assessment from Dot Lischick, the only general manager the World Arena has ever had (starting before GE Johnson built the World Arena Ice Hall as an adjacent training facility). Her response: “Absolutely, it was special to all of us, with the big crowd and the 360 (meaning people in every section, 360 degrees around the stage). And then the length, playing as long as he did without a break. It was just a wonderful night in every way.” Lischick put this show in the arena’s highest echelon with the likes of the Eagles (2002), Sting, Riverdance and very few others. The only conclusion I offer: You could never see a better concert in Colorado Springs, period. And thank goodness enough people were determined to get the arena done, from leaders like Bill Hybl and Peter Susemihl to the many contributors who wrote small checks. But as we look ahead now to the Broadmoor World Arena celebrating its 20th anniversary next January, we must make sure to remember some of the other people who made it happen. For me, that list has to begin with Dave Ervin. CSBJ n

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Colorado Springs Business Journal

March 24 - March 30, 2017

YOUNG PROFESSIONAL

Treviño an unlikely weapon for Exodus Road

By Helen Robinson

business degree is an unlikely weapon in the fight against human trafficking, but that’s exactly how Stephanie Treviño is using hers. Treviño, 24, is the finance manager for The Exodus Road, a nonprofit headquartered in Colorado Springs. The organization frees people from slavery and human trafficking using its own staff and vetted volunteers, as well as through funding collaborative projects. A Pueblo native, Treviño moved to start her Bachelor of Science in Business degree at UCCS and has called the Springs home ever since. She talked to the Business Journal about working for a nonprofit, funding rescues and the rewards of writing on rocks. What is the Exodus Road? The Exodus Road is about to celebrate its five-year anniversary, and in those five years we have just under 800 rescues and more than 200 arrests. The Exodus Road’s mission is to find and free slaves through strategic action with ordinary people. Rescues happen pretty much all over the world. We have an office in Thailand and teams over there, we have offices in India and there are quite a lot of rescues there, we’ve had rescues here in the States and we’ve expanded into Latin America, so we’re looking forward to rescues there in 2017. We had some exploratory trips in 2016 where we were building police partnerships, and we’re officially expanding into Latin America in 2017.

From someone like me who was just a senior in college and wanted to help out and somehow found my way to working for the organization, to stay-at-home moms who want to fundraise for a covert camera, to the 8-year-old who raised over $1,000 in one day. Anyone and everyone has a part to play in fighting human trafficking — you just have to find your part. What is your part? I first heard about it through my church; they were doing a vetting to try to find volunteer undercover operatives. ... I got online and discovered the problem of human trafficking. I’d never been exposed to it before. I spend hours online researching, and I knew there was something I had to do. I applied for an internship here ... and they offered me a job doing database management. I loved it. I grew from there and now I’m finance manager. That’s a really unique position because I get to not only talk with the donors but see how their money affects rescues. I’m the middle person who gets to see both sides — not just that you’re giving money, but that you’re changing someone’s life. It’s an honor to be in the middle. I get to see that covert camera in use, and when those girls or boys are actually rescued it’s amazing.

What situations are you saving people from? The Exodus Road focuses mostly on minors who are caught in sex trafficking, so a lot of our rescue happens in the brothel and sex-trafficking scene. We had a lot of rescues in India this past year, and the brothel scene always looks different just depending whether you’re in a city area or a rural area, and which country you’re in. But that’s where we see the majority of our rescues.

What do you love best about your job? The most rewarding part is this ritual we have — when we get a rescue we write the information on a stone. You’ll see those all over our office. We write their name if we have it, their age, where they were rescued, the date they were rescued. It’s my favorite part because you get to think about that one person, not the 40 million slaves yet to be rescued currently — you just think of that one person whose life you changed forever.

How do ‘ordinary people’ help fight trafficking? Our co-founder [Matt Parker] was a youth pastor, just an ordinary guy before [he founded The Exodus Road with his wife Laura]. He was overseas and saw this huge issue happening and he jumped in and asked the police, ‘What can I do?’ And they asked him, ‘Would you be willing to wear a camera and go into these brothels?’ And he said ‘Yeah, I’d be willing to do that.’ They were surprised that, although he didn’t have experience or expertise in this area, he could help out in such an impactful way. He went on and began The Exodus Road, where we all have a part to play to fight human trafficking and to free these slaves.

What is your advice for other young professionals? Definitely to be open to working for a nonprofit. When I was in school it never even crossed my mind to work for a nonprofit, especially as a business student, but I definitely want to encourage them that there’s a lot of things they learn in business school that can help them change the world. And I would encourage everyone to find out what they can do about human trafficking. Our mantra is “Justice is in the hands of the ordinary.” If you’re 8 years old or you’re 80 years old, it doesn’t matter — you have a role to play. CSBJ n

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Photo by Helen Robinson

8 March 24 - March 30, 2017

Colorado Springs Business Journal

SMALL BUSINESS

Zoelsmann’s Bakery & Delicatessen Established: 1898 Employees: 7 Address: 912 S. Abriendo Ave. (Pueblo)

Photo by John Hazlehurst

Phone: 719-543-0407

Zoelsmann's Bakery & Delicatessen is one of the state's oldest continuously operating businesses. It was moved to Abriendo Avenue via carriage.

Zoelsmann's still baking, 119 years later ... You do it with a Coke bottle. You hit them just hard enough to open them, then soak and marinate, then e actually started on Union put 'em out for sale.” Avenue,” said Amanda Taylor, Zoelsmann’s baked goods are distributed to hotels standing behind the countand businesses, but retail customers are its primary er at Zoelsmann’s Bakery & sales source. Delicatessen in Pueblo, one of “We bake every night at 10 the oldest continuously operp.m.,” Taylor said, “and then we ated businesses in Colorado, open the doors in the morning “but a little later we loaded all of and wait for the walk-ins. We the equipment on horse-drawn bake 90 to 150 loaves every day, wagons and moved up here to and we have pies, cinnamon Abriendo. This was the fi rst rolls and other baked goods, building on Abriendo — it was besides deli meats.” just open then. As the neighTheir best customer? borhood grew, we expanded the That would be Pueblo’s his— Amanda Taylor bakery.” toric tavern, Gus’s Place, which Zoelsmann’s was founded in was profi led in the March 17 1898. Taylor’s parents, Tom and Mary Provost, bought edition of the Business Journal. the bakery seven years ago. “We’ve supplied them since they opened in the “I grew up with the bakery,” said Taylor. “My par1930s,” said Taylor. “We both depended on the same ents had a dairy farm in Avondale, and we supplied customers, the steelworkers. All of the houses along our street used to house workers at the mill, which Zoelsmann’s with goat cheese. I started working at was in easy walking distance in those days. the bakery when I was in fifth grade, cracking olives. By John Hazlehurst

“W

“We loaded all of the equipment on horsedrawn wagons and moved up here to Abriendo.”

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"Originally, there were little stores scattered throughout the neighborhood — bars, grocery stores, butchers, delis. Those mom-and-pop stores are gone — now it’s all King Soopers and Walmart.” Zoelsmann’s relies on word of mouth and history to promote its products, which are decidedly old-fashioned in appearance, taste and price. “My favorites are the cherry-centered cinnamon buns,” Taylor told a customer, who bought a package of six enormous buns for $5. “It all happens down in the basement, where the ovens are,” said Taylor. “Originally, it was just this little cottage, but we had to have more room, so we built out and down. We still have one of the original ovens, and it’s still in use. It’s French-style, like a pizza oven, curved.” Currently, there are no other businesses on the block. City signs remind visitors and residents that parking in front of Zoelsmann’s is limited to 30 minutes. “It’s so strange, that we’re the only business on both sides of the block — but we stay busy,” said Taylor. “You’ll get the best selection a 8 a.m., right after we open.” CSBJ n

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Colorado Springs Business Journal

March 24 - March 30, 2017

Small business owner optimism in Colorado Springs By Darcie Nolan

LIMITATIONS OF THE SURVEY

usiness resources and community support are a big draw for startups in the region, while startup funding and government regulations are a challenge for some small businesses. Attracting new hires continues to be a challenge, hindering small business growth. Those were some local takeaways derived from the Wells Fargo/Gallup Small Business Index for Q1 2017. Results stem from interviews with 602 small business owners across the country with annual revenues of up to $20 million. The responses were added to quarterly responses compiled since August 2003.

The data released in the Wells Fargo/Gallup survey do not indicate which industries were surveyed, how long the small businesses have been in operation or the number of employees at the businesses. However, the survey states that the median age of those interviewed was 57, with only 19 percent of respondents under the age of 45. Aikta Marcoulier, executive director of the Pikes Peak Small Business Development Center, said the data would likely change if more nascent businesses and younger business owners were better represented in the sample.

“It seems as though the people surveyed are those that have been in business for a while,” she said. “They have been growing their business and they are older. If you interviewed younger business owners and the tech startup community, this would not look the same.” SBDC works with a variety of businesses, including startups and those that need help with strategic growth. “I would say most of our business owners are 35plus. We see younger business owners, especially as more and more universities are pushing Bachelor’s of Innovation and entrepreneurship programs,” Marcoulier said. “The trend here is that we are really trying to support that youthful entrepreneur because that is a large demographic here. We also get retired people looking to start a business for supplemental income and a lot of people transitioning out of the military.” There has been a significant increase in the number of people considering starting a new business, according to Dustin Kunkall, program director for the SBDC.

RESOURCES AND CHALLENGES

Photo by Darcie Nolan

The Wells Fargo/Gallup survey indicates that small business owners are finding it fairly easy to get credit when needed. Forty percent of respondents said it was somewhat easy or very easy to get credit, which is up from 34 percent in the last quarter of 2016 and up from 30 percent year-over-year. Meanwhile, 20 percent of current survey respondents said it was somewhat or very difficult to obtain credit. Lacie Richardson is the founder and owner of Wild Woman Fish Company in Colorado Springs. She started See Optimism page 25

Mike Juran co-owns Altia, a software development firm headquartered locally with additional offices in Detroit, Germany and Japan.

Captains of

INDUSTRY

SPEED MENTORING

THURSDAY, APRIL 13 • 7:30 - 10:00 A.M. • THE ANTLERS HOTEL Join 40 business and community leaders to learn their secrets of success at a speed-networking and mentoring event sponsored by the Colorado Springs Business Journal. Leaders from industries — from manufacturing to first responders, from sports management to education, with a little bit of everything in between — will be available to share their wisdom and answer questions about their industries, their challenges and how they made it to the top of their fields.

Co-working Space

Parks and Recreation

LISA TESSAROWICZ

KAREN PALUS

Epicentral Coworking

City of Colorado Springs

Accounting

Engineering

Tourism

TRINITY

JAMES SOLTI

ANDY NEINAS

BRADLEY-ANDERSON Stockman Kast Ryan

US Air Force Academy

Colorado Springs Convention and Visitors Bureau

10 March 24 - March 30, 2017

Colorado Springs Business Journal

BY THE NUMBERS: WILDLAND FIRE TEAM

By State Statute, the Sheriff will Act as Fire Warden (C.R.S. 30-10-512)v

The Sheriff’s Office Wildland Fire Team assists each fire jurisdiction, to include arson investigations, upon the jurisdictions’ request.

TIME OF RESPONSES: 0 seconds to more than 90 minutes Rural roads, trails and county size make it difficult to get to some fire calls, especially to the east.

EQUIPMENT: 3 brush trucks 1 type 3 engine 4 squad 4x4 pickup trucks 1 crew buggy carries up to 10 firefighters 4 types of equipment trailers 3 ATVs for crew hauling 1 flat bed truck 3 support vehicles Mobile Command Post

778

Notifications of fire

261 Responses to fire

Great American Cleanup Saturday, April 22 www.GACPPP.com

El Paso County along with numerous local partners presents the 2017 Great American Cleanup. With 23 selected sites to clean in the Pikes Peak Region, you, your family, your business or your group have several opportunities to make a positive impact on your community. For more information, (719)520-7879 or kathyandrew@elpasoco.com

Deployments to other fires

$143,222.34 Total billable to Colorado Division of Fire Prevention and Control

LETTER RIP 2017 Saturday, May 6

Register at... www.letterrip2017.eventbrite.com El Paso County is encouraging everyone who has out-dated records, documents or other personal papers around their home to have them properly destroyed at this paper shredding event. First five standard boxes are free. For more information, (719)520-7879 or kathyandrew@elpasoco.com

Colorado Springs Business Journal

March 24 - March 30, 2017

PUEBLO BUSINESS NEWS

Pueblo County, Black Hills battle over high electric costs By John Hazlehurst

or nearly a year, Pueblo County commissioners have quarreled bitterly with the city of Pueblo’s electric utility provider, Black Hills Energy. The issue: high electric bills, which may sharply increase from current levels if the Public Utilities Commission approves an $8.5 million rate increase, first submitted to the PUC last May. The PUC reduced the increase to $1 million in a December ruling, but Black Hills is appealing. Both sides agree that Pueblo’s rates are among the highest in the state, as much as 30 percent higher than those in any other major city in Colorado. Why? According to a Black Hills news release from May 3, 2016, it’s the state legislature’s fault. “Black Hills Energy submitted a regulatory rate review proposal to the Colorado Public Utilities Commission requesting a net increase of $8.9 million to recover costs related to the new 40-megawatt natural gas-fired power plant, the final infrastructure investment needed to fulfill obligations under the Colorado Clean Air-Clean Jobs Act, which the Colorado legislature enacted in 2010,” the company stated. In fact, the legislature had no choice. To meet anticipated federal requirements for reduced emissions from coal-fired power plants, the bill required all “rate-regulated utilities” that own or operate coalfired electric generating units to submit to the PUC an emission reduction plan for coal-fired electric generating units in Colorado.

The plans had to give primary consideration to “replacing or repowering coal-fired electric generators with natural gas and to also consider other low-emitting resources, including energy efficiency.” “They began to decommission two antiquated coalfired plants well before that act passed,” said Pueblo County Board of Commissioners chair Terry Hart. “We adamantly disagree that they were forced by state law to replace their coal plants.” Hart stated Black Hills made bad decisions and wants Pueblo ratepayers to fund them. Those bad decisions include overpaying when the company ac— Terry Hart quired the Pueblo power plants from Aquila in 2008, and unnecessarily investing in a $70 million natural gas peaking unit. “They say they need it to supply power at times of peak usage, during the hottest days of the summer,” Hart said, “but they only run it a few hours a year. We think that there were other, less expensive options. Pueblo ratepayers shouldn’t be forced to pay for Black Hills’ mistakes.” At a recent meeting of the Pueblo City Council, a number of business owners protested the rates, noting that Black Hills charges 11 cents per kilowatt-hour, far in excess of other providers, including several cents more per kilowatt-hour than Colorado Springs Utilities.

that ruling and submitted an amended request for an $8.5 million increase. Meanwhile, two of the three commissioners who decided the case have recently left the Public Utilities Commission. Gov. John Hickenlooper appointed Wendy Moser and Jeff Ackermann as new members to replace Joshua Ebel and Glenn Vaad. Incumbent Frances Koncilja, a Denver attorney and Pueblo native, strongly opposed Black Hills’ original request. Moser is also familiar with Pueblo, having once worked for BHE as in-house counsel and vice president for regulatory affairs. Koncilja’s a Democrat, while Moser is a Republican. The two have already clashed. Black Hills requested that Koncilja recuse herself from hearing the appeal, arguing that she had demonstrated obvious bias toward Pueblo in previous rate cases, even describing BHE as “a turd in the pocket of Colorado ratepayers.” “The evidence of appearance of bias continued to accumulate throughout the proceeding, culminating in Commissioner Koncilja’s [written] dissent in which she accuses the company of ‘acting like a colonial power that can loot the citizens of Southern Colorado,’” Black Hills Energy stated in its request for recusal. The three-member panel refused the request by a 2-1 vote, with Chairman Jeff Ackermann joining Koncilja

“Pueblo ratepayers shouldn’t be forced to pay for Black Hills’ mistakes.”

THE HISTORY After the hearing last Dec. 8, when the PUC reduced the rate increase to $1 million, Black Hills appealed

See Energy page 16

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12 March 24 - March 30, 2017

Colorado Springs Business Journal

vote

“The most powerful thing we own is our vote.”

PEOPLE ON THE MOVE

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

Compiled by Lindsey Morrow

William Henricks

Kevin Brynestad

Francisca Blanc

Brian Plesscher

AllHealth Network

BKD Corporate Finance, LLC

Tri-Lakes Cares

RE/MAX Properties

New Chief Executive Officer

New Managing Director of Technology Media and Telecommunications

New Development Associate

New Agent

– Bev Perdue, former Governor of North Carolina

Tuesday, April 4 is Election Day The Ballots have been mailed and YOUR VOTE MATTERS! All six City Councilmember District seats are on the ballot. This means YOUR BACKYARD! For more information: www.coloradosprings.gov/election DEADLINE TO VOTE, TUESDAY APRIL 4.

ARE YOU REGISTERED TO VOTE?

If not, 4 easy ways to do so: 1. Text “Colorado” “CO” or “2Vote” (28683) to be taken to the Secretary of State’s website to register or check your registration. 2. Visit GoVoteColorado.com to register online. 3. Register by mail with a registration form from the Secretary of State’s website. 4. Register in person at the El Paso County Clerk and Recorder’s Oﬃce at 1675 W Garden of the Gods Rd #1200, Colorado Springs.

You can register all the way to Election Day, Tuesday, April 4.

KUDOS KRCC WINS STATE AWARDS FOR NEWS, DOCUMENTARY 91.5 KRCC, Colorado College’s NPR-member station, took several awards in the Colorado Broadcasters Association’s Awards of Excellence. “The Case of Strawberry Fields,” coverage of the Broadmoor land exchange, took first place in the category Best News Coverage of a Single Event. Many stories included feature reporting from Jake Brownell. The station also took first place in the category of Best MiniDocumentary or Series for “Wish We Were Here, Episode 12: Avalanche on America’s Mountain.” The series included work from student reporters Holly Pretsky, Tucker Hampson and Dana Cronin, and interviews with Dan Crossey of CC’s Facilities Services. To

listen to the award-winning programs, visit krcc.org.

CBCA RECOGNIZES FIVE CREATIVE BUSINESSES The Colorado Business Committee of the Arts announced the winners of the 2017 Business for the Arts Awards March 15. The event honored companies and individuals for their partnership and engagement with the arts. The five winners, chosen from 14 finalists, include: TRG Arts (Create Award); Jackson Stevens (EY Next Wave Leadership Award); Sage Hospitality (Impact Award); Tim Schultz (John Madden, Jr. Leadership Award); and Noble Energy (Philanthropy Award). For more information regarding the winners, and how they were selected, visit cbca.org.

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Colorado Springs Business Journal

March 24 - March 30, 2017

ON THE HORIZON Compiled by Lindsey Morrow

Business Development

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

Networking Events

Regional Events

Monday, March 27

Tuesday, March 28

PPLD: Minding your Business

PPAR: Council of Elite

Tri-Lakes: Accelerators

Learn how to start or grow your own business, free, 7-8 p.m., Penrose Library, 20 N. Cascade Ave. Register at ppld.org/events.

Join the Pikes Peak Association of Realtors for a roundtable and council meeting, free, 3-5 p.m., PPAR, 430 N. Tejon St. Visit ppar.org/Calendar/ EventCalendar to register.

Wednesday, March 29

Friday, March 31

Join the Tri-Lakes Chamber of Commerce for weekly business networking, first visit free, 8-9 a.m., Fairfield Inn and Suites, 15275 Struthers Road. Visit trilakeschamber.com/events-calendar for more information.

WIA: Webinar

PPAR: Wine Tasting

Tri-Lakes: Ribbon Cutting

Join the Women in Aerospace for its professional development series webinar “Creating your Brand,” $40 for members, $60 non-members, 1-2:30 p.m. EST. Register at womeninaerospace.org/events.

Join the Pikes Peak Association of Realtors for a fundraiser to benefit the Special Olympics, $25 suggested donation, 6:30-8:30 p.m., Downtown Fine Spirits and Wine, 103 S. Wahsatch Ave. Register at ppar.org/Calendar.

Join the Tri-Lakes Chamber of Commerce for a celebration of the grand opening of The Bistro on 2nd, free, 2:30-4:30 p.m., The Bistro on 2nd, 65 Second Street. Visit trilakeschamber.com/events-calendar for more information.

Thursday, March 30

Tuesday, April 4

Wednesday, March 29

AASC: Meet the Management

Chamber: Connect

Pueblo: Aerie Meeting

Join the Apartment Association of Southern Colorado for information on billing, how to become a vendor and the bidding process, free, 4-6 p.m., Epernay Apartments, 2915 Woodland Hills Drive. Register at aacshq.org/events.

PPLD: Business & Facebook Learn how to create your business Facebook pages, Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Tuesday, April 4 SBDC: Workshop Learn about positioning your business for sale, $20, 11:30 a.m.-1:30 p.m., Pikes Peak Small Business Development Center, 1675 W. Garden of the Gods Road. Go to clients.coloradosbdc.org/ workshop to register.

AASC: Evictions and Collections 101

Pueblo: Members Luncheon

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PPAR: Meeting

Join the Pueblo Chamber of Commerce for its membership luncheon, $20, 11:30 a.m., Pueblo Union Depot, 132 W. B St. Go to pueblochamber.org for information.

Join the Pikes Peak Association of Realtors for the REALTAC meeting, free, 8-9 a.m., PPAR, 430 N. Tejon Street. Go to ppar.org/Calendar/ EventCalendar for more information.

Thursday, April 6 Chamber: Space Luncheon Join the Colorado Springs Chamber of Commerce & EDC and to celebrate the Space Symposium’s 33rd anniversary, $55/person, 11:30 a.m.-1 p.m., Broadmoor West Rocky Mountain Ballroom, 1 Lake Ave. Register at coloradospringschamberedc.com/event

Tuesday, April 4 Tri-Lakes: Accelerators Join the Tri-Lakes Chamber of Commerce for weekly business networking, first visit free, 8-9 a.m., Fairfield Inn and Suites, 15275 Struthers Road. Visit trilakeschamber.com/events-calendar for more information.

Wednesday, April 5

Join the Housing and Building Association for its monthly membership meeting, free, 8:30-9:30 a.m., HBA, 4585 Hilton Pkwy., Ste. 100. Go to cshba.com/events for more information.

Regular meeting of the Pueblo Eagles Aerie #145, free, 7 p.m., 1615 S. Prairie Ave. Go to pueblochamber.org for more information.

PPAR: Board Meeting

Thursday, April 6

Join the Pikes Peak Association of Realtors for the Women’s Council of Realtors Governing board meeting, free, 1-2:30 p.m., PPAR, 430 N. Tejon St. Go to ppar.org/Calendar/ EventCalendar for more information.

Join the Pueblo Chamber of Commerce for coffee and networking, free, 8:15 a.m., U.S. Bank, 503 N. Main St., Pueblo. Register at pueblochamber. org/calendar.

The first of five advanced workshops of the SCORE SMARTStart series, $15, 6-9 p.m., Catalyst Campus, 559 E. Pikes Peak Ave. Register at coloradosprings. score.org.

  

Wednesday, April 5

Regular meeting of the Pueblo Eagles Aerie #145, free, 7 p.m., 1615 S. Prairie Ave. Go to pueblochamber.org for more information.

Pueblo: Aerie Meeting

SCORE: Workshop

 

Friday, March 31

Join the Colorado Springs Chamber & EDC for bi-monthly networking opportunity, free for members, $5 for non-members, 11:30 a.m.-1 p.m., TBD. Go to coloradospringschamberedc. com/event to register.

HBA: Meeting

Join the Apartment Association of Southern Colorado for Apartment Housing Day, free, 9 a.m.-3 p.m., AASC, 545 E. Pikes Peak Ave. Register at aacshq.org/events.



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

Join the Apartment Association of Southern Colorado for tips and suggestions for property managers, landlords and leasing professionals to secure relationships with tenants, $40 for members, $60 for non-members, 1-4 p.m., AASC, 545 E. Pikes Peak Ave. Register at aacshq.org/events.

AASC: Open House



Friday, April 7 Women's Chamber: First Friday Join the Southern Colorado Women's Chamber of Commerce for its First Friday event, free, 7:30-9 a.m., The Inn at Garden Plaza. Register at scwcc.com.

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



Pueblo: Coffee Break

Thursday, April 6 Woodland Park: Lunch-Learn Join the Woodland Park Chamber of Commerce for monthly networking, 11:30 a.m.-1 p.m., $15 for members, $25 for non-members, Ute Pass Cultural Center, 210 E. Midland Ave. Go to woodlandparkchamber.com/ visitor-center/calendar-of-events to register.



14 March 24 - March 30, 2017

Colorado Springs Business Journal

BUSINESS RESEARCH CORNER

Monitor your KPIs with a performance dashboard Problem: My organization is collecting more and more data — financial data, operational statistics, qualitative information — to a point where we are becoming overwhelmed. We are good at collecting the data. In fact, we are drowning in it. But, we are struggling with how to use the data effectively.

riving down Interstate 25, your attention is focused on your main tasks: driving, road conditions, other cars and safety. Occasionally, you take a look at your car’s dashboard to check your speed, fuel gauge or direction of travel. Your car’s dashboard provides information in a very concise manner. Similarly, a performance dash- MCALLISTER board is a useful management tool that provides information about how your organization is performing. Like a check-engine light, it indicates if you’re proceeding as planned and provides warning signs when you deviate from your intended course.

Brian

mance dashboard provides managers with a tool to tackle information overload. A dashboard summarizes the organization’s Key Performance Indicators — or KPIs — in an easy-to-understand and concise manner. As a first step to creating a performance dashboard, an organization should address two issues: purpose and intended audience. Purpose: Will the dashboard measure strategic goals, operational objectives or a combination of the two? Audience: Will the dashboard audience be a governing body (i.e., board of directors), top managers, line managers — or some combination? An organization can implement a dashboard effectively to use data to make strategic and operational decisions. The two key aspects to creating a dashboard are: 1) Identify the purpose and intended audience; and 2) Develop measurable KPIs that capture an organization’s strategic goals and/or operational objectives. In addition, organizations should consider the following: • Stakeholder involvement: Creation of a successful dashboard should involve relevant stakeholders, including the board of directors, top managers, line managers and frontline staff. A common pitfall is delegating dashboard development solely to the accounting or finance department. Accounting and finance personnel are useful in identifying KPI data, but the relevant stakeholders must provide guidance about the strategic goals and operational objectives to be monitored. • Compare to benchmarks: KPIs presented by themselves have limited usefulness. Instead, they should be benchmarked over time (month-to-month, year-to-year), against a budgeted dollar amount or stated goal, or through some other means. • Allow for evolution: A healthy organization evolves, which means its strategic goals, operational objectives and KPIs also change. The KPIs included in a dashboard should be reassessed on a regular schedule so they are aligned with the evolving organization. Additionally, a useful dashboard may include KPIs related to initiatives with varied time horizons of an organization’s goals and objectives. • A picture is worth a thousand words: Numbers are great. However, KPIs do not have to be reported only as a table of dollars and amounts. Excel provides tools that transform numerical data simply into bar charts, line charts and scatter plots. Additionally, color schemes are useful to categorize good performance (green) from poor performance (red). Like a car’s dashboard, a well-developed performance dashboard can be a useful tool to communicate with board members and managers about how their

organization is performing and whether there are any troubling warning signs. Action steps: 1. Small and mid-sized organizations should consider a single dashboard that includes a mix of KPIs that measure short-term objectives and long-term goals. A single dashboard with a mix of KPIs could also spur communication within an organization’s operating units. Line managers might appreciate “that’s why we do that,” while board members might gain a better understanding of “that’s how we do that.” 2. The second step involves developing relevant KPIs. KPIs are measurable indicators that capture how an organization achieves strategic goals and/ or operational objectives. KPIs should be collected at regular intervals, perhaps daily, weekly or monthly. Information reliability should also be considered. 3. Finally, organizations should not limit themselves to financial indicators, but should consider a combination of financial and nonfinancial indicators. Financial indicators are fairly straightforward and include items typically derived from an organization’s financial statements. Nonfinancial indicators measure an organization’s activities in terms of processes and outcomes and include items like sales calls made, customer complaints, patients served and customer satisfaction. Nonfinancial indicators are often outside an organization’s accounting system, and therefore must be collected in other ways. Operational logs and/or online surveys are two common ways to collect nonfinancial indicators. Brian McAllister, Ph.D., CPA is an associate professor of accounting in the UCCS College of Business and faculty director of the Master of Science in Accounting program. He previously was an auditor for the local office of BKD LLP. McAllister also teaches financial accounting in CU's Executive MBA program. He has published articles on governmental, not-for-profit and financial accounting and auditing. Have a question for UCCS professors? Send it to OPED@uccs.edu. Personal information will be withheld.

More isn’t always better.

In today’s data-intensive world, insufficient information is not a problem. Instead, it’s a problem of “too much of a good thing.” Since the 1960s, scholars have studied the issue of information overload, which occurs when “environmental complexity exceeds an individual’s ability to process information.” Information overload can be illustrated as an inverted U-curve — information is useful to a point, and then becomes overwhelming, rendering it practically useless. In short, more isn’t al ways better. A perfor-

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Colorado Springs Business Journal

March 24 - March 30, 2017

PAID ADVERTISEMENT

Special Communication from the Better Business Bureau of Southern Colorado

BBB’s Community Impact. A Voice For Good. Special Commentary by Gina Sacripanti Better Business Bureau is a nationally recognized brand. Our logo was designed with the same goals that businesses owners want for their branding. It needs to convey what the business is about, be powerful enough to stand on its own, and it must stand the test of time – a test ultimately tied to the relevancy of your brand’s value proposition. With 100 years under our belt, BBB’s torch still symbolizes the unique role we play in our community – a beacon for trust. If a business is BBB Accredited, consumers know that they have gone through a vetting process and have met the BBB Standards of Trust, eight principles that summarize important elements of creating and maintaining trust in business. Our Code of Business Practices are built on these standards. BBB Accredited Businesses understand that consumers want peace of mind when making purchasing decisions. Nationwide, there are more than 400,000 businesses that have taken the extra step to provide that confidence to their community. In addition to the education and resources we provide our Accredited Businesses such as our free e-Quote lead generation service and our ongoing purchase of keywords to increase search engine results of our Accredited Businesses, we also step forward and call out businesses that are unethical or

not trustworthy. A recent example of BBB’s impact that has made nationwide news is the revocation of MyPillow’s BBB Accreditation due to their reported pattern of complaints and not meeting BBB’s Code of Advertising, which parallels those of the Federal Trade Commission. Our role in the community is unique – there is no other organization dedicated to self-regulation of the marketplace. Our focus is local; yet our reach is national with our network of BBBs across the country and connections to local, state, and national law enforcement agencies. We are a collective voice in safeguarding our community through the participation of our residents and dedication of our business community. Our BBB Accredited Businesses understand our critical part in keeping our economy thriving. Since October, BBB of Southern Colorado has issued four warnings on unethical businesses. With the aid of our local media outlets, we were able to get the word out to our community and attract the attention of law enforcement agencies. Whereas the result of our warnings is oftentimes the arrest of

business owners, some businesses do work with us to resolve their pattern of complaints. • Fan Bling HQ, reported in February 2017: Owner Tessa Ottrock has approached us this month and presented BBB with a plan to address the reported complaints against her business. • Innovative RAC, reported January 2017: Owner Jeffry Massias has been arrested on 14 counts of felony theft. Company status is out of business. • Encore Properties, reported October 2016: Owner Holly Dalton is wanted for arrest in El Paso County. Real Estate Broker’s License is under suspension. Company status is out of business. • Comfy Bag, reported October 2016. Company status is out of business. We are thrilled with the support we are receiving from our local media outlets. Last month in collaboration with KRDO NewsChannel 13, your BBB provided content for their newly launched 5-part series SCAMBUSTERS. Series topics included how to avoid being a victim of phone, email, and Facebook scams, as well as how scammers use old methods with new technology. The first Wednesday of each month at 9 AM, BBB provides information on the top scams nationally and lo-

BBB’s Standards of Trust · Build Trust · Advertise Honestly · Tell The Truth · Be Transparent · Honor Promises · Be Responsive · Safeguard Privacy · Embody Integrity cally on The Extra on KRDO NewsRadio 105.5 FM and 1240 AM. For both of our large consumer LETTER RIP free shredding events in 2017, we are partnering with KKTV 11 News and Cumulus Media Radio Stations 92.9 Peak FM and AM 740 KVOR to help inform residents on how to avoid being victims of identity theft. BBB Accredited Businesses understand that becoming and maintaining their BBB Accreditation not only provides consumer confidence, but also sets the standards for other businesses. If your business is not BBB Accredited, why not? Attend one of our monthly BBB Basics to learn more about the value of BBB Accreditation for your business and our unique impact in your community.

SAVE THE DATE

Celebrating BBB Accreditation in March

FOR THESE UPCOMING BBB EVENTS

APRIL 15 Southern Colorado Small Business Expo - Pueblo

APRIL 19

2017 EVENTS

35 YEARS Colorado Springs Fine Arts Center

30 YEARS Yellow Cab Company of Colorado Springs

25 YEARS Nevada Auto Sales, Inc. Centura Health at Home Penrose-St. Francis Health Services Penrose-St. Francis Rehabilitation Penrose Community Urgent Care Fredell Enterprises, Inc. Rainbow Sprinkler Systems Stuart Scott LTD

BBB Basics

APRIL 20 Pueblo Digital Marketing Series: Google Adwords

APRIL 30 2nd Annual Food Truck Cook-Off

MAY 1-4 Pikes Peak Region Small Business Week

MAY 1-5 Pueblo Small Business Week

MAY 6 LETTER RIP Shredding Event

MAY 9 Buzz with the Bs Networking Breakfast

MAY 17 BBB Basics

JUNE 21 BBB Basics

JUNE 26

LOOK FOR THE SEAL

BBB Basics - Pueblo ®

For more information on all BBB of Southern Colorado events, visit bbbsc.org. For information on sponsoring an event, contact Gina Sacripanti at GinaS@bbbsc.org or 719.447.3832

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

16 March 24 - March 30, 2017

Colorado Springs Business Journal

PUEBLO BUSINESS NEWS

Energy: City-owned Pueblo electric utility explored From page 11

to defeat the recusal motion. Moser supported it, and was promptly targeted for recusal herself. Late last week, the Pueblo County commissioners filed a motion with the PUC requesting that Moser be disqualified from participating in the rate case. “Because of her recent employment as in-house counsel for Black Hills,” said Terry Hart, “we feel strongly that Commissioner Moser has a clear conflict that should prohibit her participation in this case. Our citizens deserve a neutral, unbiased body to hear and rule on this important issue, and that won’t be possible with Commissioner Moser involved.” “Moser accused Ms. Koncilja of conflict [of interest], and said that the hearing was not about Moser. Now the hearing will be a hearing specifically about whether Moser has a conflict of interest. I might think that a former Black Hills attorney might have a conflict on former Black Hills business decisions,” said Commissioner Sal Pace.

IT’S UP TO JEFF Newly appointed PUC chair Ackermann recently served as executive director of the Colorado Energy Office. He’s clearly the swing vote on the appeal, which probably won’t be heard until this summer. Ackermann is a Democrat who, according to the PUC’s website, “started his professional career in the service of low-income energy consumers, twice as director of the state’s energy efficiency assistance program [weatherization] as well as an advocate for energy consumers with the state’s nonprofit energy assistance fund.”

That background may augur well for Pueblo ratepayers, who are significantly poorer than those of other Front Range cities. “There are 10,371 residents in the BHE service area within Pueblo County whose income fell below the threshold of the federal poverty level and there are 18,027 households in the service area that qualify for disability benefits,” the Pueblo County commissioners noted in a statement of intervention. “Additionally, the median household income of the 53,806 households in this area is $39,107, which is significantly lower than the average median household income of $54,011 in the state, according to the 2010 Census.” Yet it can be argued that Black Hills is leading the way in providing low-carbon and sustainable energy in Colorado, a goal that the Colorado Energy Office and Democrats in the legislature — Sal Pace have consistently supported. The company recently completed a 60-megawatt wind energy project near Walsenburg, which it announced on the same day the Pueblo commissioners requested Moser be disqualified from the rate case. “Developing renewable energy at a reasonable cost is important to the communities we serve and allows us

to continue providing customers with the safe, reliable energy they’ve come to expect. The Peak View Wind Project was chosen because of its cost-competitiveness and high potential for wind generation,” said Chris Burke, Black Hills vice president of Colorado electric utility operations. He also noted that BHE is one of the only utilities in the state fueled entirely by natural gas and renewables. Despite Black Hills’ record, Pueblo City Council President Steve Nawrocki has asked city staff to investigate the cost of creating a municipally owned electric utility, with an eventual goal of providing 100 percent renewable energy. Colorado Springs Utilities Board Chair Andy Pico declined to comment directly on the dispute. Unlike Black Hills, CSU’s rates are set by City Council, acting as the utilities board. Springs ratepayers have a history of grumbling over rate increases, but few, if any, have demanded that another electrical provider replace CSU. “I’m not really familiar with the matter,” Pico said, “but I’m happy to say that CSU rates are in the lower third of utility rates nationwide, so when people complain about our high rates, those high rates are pretty darn low compared to the rest of the country.” CSBJ

“Moser accused Ms. Koncilja of conflict [of interest], and said that the hearing was not about Moser. Now the hearing will be a hearing speciﬁcally about whether Moser has a conflict of interest."

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Colorado Springs Business Journal

March 24 - March 30, 2017

INSURANCE CHANGES 2014 - 2015

10.4%

9.1%

uninsured

89.6%

90.9%

insured

2014

2015

Close Enough to Get an Answer

Between 2014 and 2015, the overall rate of health insurance coverage increased for most races.

3.6% Hispanic

1.9% Asian

0.9% Non-hispanic White

The greatest change in coverage was the change in direct-purchase health insurance. 16.3% 2015

14.6% 2014

For the second year in a row, the percentage of people without health insurance dropped for every age under 65.

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Between 2014 and 2015, the uninsured rate decreased in 47 states and the District of Columbia. Three states (North Dakota, South Dakota, and Wyoming) did not experience a statistically significant change in their uninsured rate.

1 South Nevada Avenue | Colorado Springs, CO 80903 (719) 228-1100

18 March 24 - March 30, 2017

Colorado Springs Business Journal

Focus

HEALTH CARE QUARTERLY

Shutterstock

Health care industry anticipates insurance legislation By Bryan Grossman

he Affordable Care Act witnessed its first existential threat this week as the House was expected to vote Thursday, after the Business Journal’s deadline, on whether to repeal the ACA and replace it with the Republican-backed alternative, the American Health Care Act. The AHCA has had a turbulent rollout, however, as the nonpartisan Congressional Budget Office and the Joint Committee on Taxation slammed aspects of the plan in a report last week. “CBO and JCT estimate that, in 2018, 14 million more people would be uninsured under the legislation than under current law,” the analysis states. “Most of that increase would stem from repealing the penalties associated with the individual mandate. Some of those people would choose not to have insurance because they chose to be covered by insurance under current law only to avoid paying the penalties, and some people would forgo insurance in response to higher premiums. “Following additional changes to subsidies for insurance purchased in the nongroup market and to the Medicaid program,” the report states, “the increase in the number of uninsured people relative to the number under current law would rise to 21 million in 2020 and then to 24 million in 2026.” According to the CBO’s report, the reductions in insurance coverage between

2018 and 2026 would stem largely from changes in Medicaid enrollment — some states would discontinue expansion of eligibility, some states with the intent to expand eligibility would choose not to do so, “and per-enrollee spending in the program would be capped. In 2026, an estimated 52 million people would be uninsured, compared with 28 million who would lack insurance that year under current law.” Republicans supporting the AHCA were scrambling this week to revise details of the bill in order to make it palatable enough to pass its fi rst test in the House. Last-minute amendments to the bill included a promise to expedite the repeal of Obamacare taxes. Those taxes help fund health care credits and would be repealed in 2017 instead of 2018 in order to appease House Republicans who want to see the ACA’s rollback move more quickly. Another amendment is to allow states to create work requirements for Medicaid eligibility. Medicaid data indicates nearly 80 percent of beneficiaries are in households with a worker and the new amendment would also increase the federal assistance for any state that institutes a work requirement by 5 percent. Additional tweaks mean federal exemptions would apply to people under the age of 19; heads of households under 20 who are in school or training; those

who are pregnant; single parents; and caregivers of children under 6 years old. States would be in control of any additional exemptions. Finally, an amendment would allow states to shift Medicaid funding to a block-grant system.

FOR THE WORKING POOR Cory Arcarese is the founder and owner of Value Care Health Clinic on the city’s southeast side. She opened the clinic in December 2015, and said 95 percent of the clinic’s patients are Medicaid eligible. “I knew more people would be covered [through the ACA] but wouldn’t have access to care,” she said. “There are not enough providers who take Medicaid.” The clinic has grown its census to about 4,000 patients, Arcarese said, adding her model helps keep costs to a minimum. Arcarese acts as the only administrative layer, and all of the care is provided by registered nurses with oversight from a medical director. “We’re able to function with the reimbursement even though Medicaid reimburses so much lower than commercial payers,” she said. “Commercial payers pay about 120 percent of Medicare rates. Medicaid will pay 85 to 90 percent of the Medicare rate.” But Arcarese said the direction of health care policy is a concern. “The new budget calls for a lot of cuts, to include the Medicaid expansion. That

means most of our patients,” she said. “It would affect the inroads we’ve made. We’ve done a lot that will help the community as a whole realize lower health care costs long-term. … If you truly want to lower health care costs, you have to stay the course.” Arcarese has a business and accounting background and acts as a consultant with the Small Business Development Center. She said she is a “middle-of-theroad Democrat,” but she believes in fiscal responsibility. “[Republicans] are making significant cuts without a real good solution,” she said. “People might think, because of what I do, that I’m a bleeding heart liberal and I’m not. I’m very fiscally focused. I focus on numbers and it has to make financial sense. Republicans have had eight years to come up with a better plan.” Of the 24 million expected to lose coverage, Arcarese said, “They don’t go away. They go somewhere else, which is to hospitals, and it’s on the taxpayers.” Arcarese is in the process of converting her business from a for-profit to a nonprofit, and will also seek certification as a federally qualified health center, which would qualify the clinic for federal grants and a higher reimbursement rate. But the repeal of the ACA would have a sizable impact on her business, she said. “For a clinic like ours, we would have

Colorado Springs Business Journal

March 24 - March 30, 2017

NEXT WEEK

COMMERCIAL REAL ESTATE to make significant changes,” she said. “[Our patients] are not here for handouts; these are the working poor. … I see us going to where we were before the ACA and people declaring bankruptcy because of medical bills.”

ums increase about 20 percent, a bit below the national average of 25 percent. Despite the price hike, in the first month of open enrollment this year, Coloradans selected 37,948 medical and dental insurance plans, compared to 30,777 plan selections in November 2015. HOSPITALS WARY And Coloradans purchasing inChris Tholen, vice president of fisurance through Connect for Health nancial policy at the Colorado Hospital Colorado were luckier than many. Association, shared many of Arcarese’s Alabama saw premium increases of concerns. The CHA represents more 36 percent. Georgia, a 32 percent than 100 hospitals and health systems hike. Those insuring through Illinois' throughout Colorado and serves as a exchange saw a 44 percent increase. resource on health issues, hospital data and trends. Minnesota, as much as 67 percent. “We’re following the AHCA closePaul Prentice, an economist and ly and what it means for Colorado,” fellow with the Centennial Institute Tholen said. “We’ve spoken with the at Colorado Christian University, said Colorado federal delegation several he was disappointed that there wasn’t times over the much discussion past few months.” of repealing and Tholen said, not replacing the as proposed, the ACA, but added AHCA would apthat some of the pear to reduce GOP’s proposals coverage for should be a boon many Colorado for otherwise stiresidents. fled businesses. “We’re also — Chris Tholen The employer watching what mandate under this means, from the ACA, for ina financial perspective, for our hospistance, requires business owners to tals,” he said. insure employees if there are 50 or About 400,000 additional Coloradans more of them. have been covered since Medicaid ex“By getting rid of the employer manpansion was approved in 2013, Tholen date, it will ramp up hiring,” Prentice said. said. “A lot of businesses are staying “With [Taxpayer’s Bill of Rights] below the 50-person limit.” restrictions of moving from federal to Prentice said employers will also state funding, we have real concerns allow employees to work more hours as to whether Colorado could continue since coverage for full-time employees its Medicaid expansion,” he said. “Also, is required. the proposed changes from subsidies to “At least the two job-killing provisions tax credits could have a negative imof the bill will be removed,” he said. pact on the market, but it’s tougher to “That’s somewhat good news.” understand those numbers right now.” Prentice also advocates for opening Tholen said the ACA has improved up insurance marketplaces across state access to care in Colorado, especially lines, which would facilitate competiwithin rural communities and for vultion, as well as putting patients in connerable populations. trol of their own health care spending “The rate of inpatient admissions has via pretax Health Savings Accounts. decreased, and that is a sign that health But Arcarese doesn’t buy the care had been improving and Colorado job-killing argument. is better managing its chronic patients,” “I don’t believe it’s stifling business,” he said. she said. “Fifty people is a big company. And there are ways around that numREMOVING BARRIERS ber. You can have an umbrella comSome ACA critics have argued, howpany with subsidiaries that each have ever, that rural communities were 49 employees, and it’s perfectly legal. among the hardest hit by the law. "For me, it’s about doing the right According to figures provided by the thing and corporate ethics. I’m of the U.S. Department of Health and Human mindset that if you’re a business owner, Services, more than 80 percent of those health insurance should be part of the purchasing insurance through an ACA cost of doing business.” marketplace nationwide receive some Tholen said, “In order to care for sort of subsidy. Connect for Health patients, we believe they need insurColorado, the state’s insurance marance coverage. Coverage leads to better ketplace, showed more than half of health. Regardless of the ACA or the Coloradans receive coverage through AHCA, the goal of all insurance is to employers and about 60 percent qualify provide good coverage to the entire for subsidies. population — all Colorado residents.” But despite varied coverage in most But Tholen added there’s never been areas, residents in 14 Colorado counties so much uncertainty. in 2017 have only one choice of insurer “I’ve been in health care 20 years and through the state’s exchange. I’ve never seen as many unknowns as The GOP earlier this year also seized we see today. upon opportunities to point out as"And it’s not just for the next year or tronomical premium hikes. Colorado health exchange consumers saw premitwo — but the next 10 years.” CSBJ

Kara T.

BLOOD TYPE: AB+

“I’ve been in health care 20 years and I’ve never seen as many unknowns as we see today.”

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20 March 24 - March 30, 2017

Focus

Colorado Springs Business Journal

HEALTH CARE QUARTERLY

ONE-ON-ONE

Retiring Barton recalls rural roots A By Bryan Grossman

s a young girl, Martha Barton followed her father, a physician, as he went on house calls in Minnesota. The relationships formed inside his medical practice made an impact on Barton, who is planning to retire this summer from her position as president of Pikes Peak Hospice and Palliative Care, an operation she has led since 1980. Barton spoke with the Business Journal this week about the organization she was instrumental in building, making difficult decisions and moving on to the next phase of her life. How did you get from Minnesota to Colorado? I was a relatively new registered nurse and there were two things that spurred me to leave [Minnesota]. One was, my friend and I were going to live out West. That was going to be a big adventure. Unfortunately my girlfriend backed out just before I left. The other was the unionization of nurses in Minneapolis. I didn’t want to be a part of that. Why Colorado? I really wanted to try a place that had all four seasons. I also came out here because I’d dated a fellow who was a captain in the Army and he was at [Fort] Carson. So, I moved to Denver to be a nurse, and he went to Vietnam. When he got back we moved to Minnesota where he was offered a dental practice, but that business partnership didn’t work out so, in 1970, we moved to Colorado Springs. We’re divorced now and have a couple kids, but that’s how I got here.

MARTHA BARTON On any given day we’re touching more than 500 patients.”

Photo by Bryan Grossman

Were you ever a nurse in Colorado Springs? I did a variety of things — mostly tied to medicine one way or another. I sold health insurance including the fi rst HMO [health maintenance organization] in the community. I was also on the radio as a news reporter for KVOR. They weren’t hiring nurses at the time so I became a reporter. I really wanted to be a journalist in college but came from a health care family, so I gave in. … I went to the HMO world and from the HMO world I came to hospice. How did you hear about hospice? I became very interested in the hospice movement when it was very new and some volunteers locally brought speakers in. It sounds corny, but in the old days, doctors did house calls. My dad was a country doc and he would start and end his day doing house calls. I was the youngest of four kids and would go with him more than half the time. I really thought he needed me at 4 or 5. I spent a lot of time at the regional hospital. … I really thought I was important there too. But that’s where I was introduced to the on-theground pieces of medicine — medicine as a relationship. My dad knew everybody he cared for and they all knew him. That’s very different from how it is now. I remember when I got into nursing it was high-tech, low-touch. Almost everybody died in the hospital and many didn’t know their diagnoses. The tipping point in our city was when Elisabeth Kübler-Ross, a Swiss psychiatrist, spoke. She was one of the first to talk about the phases of loss and grief. It was a very transparent discussion about the last phase of life and how important and how non-institutional people want it to be — how they want to be home. About 800 people showed up for the talk and 75 stayed after. That was the group that ended up creating hospice in Colorado Springs. That was 1979. In 1980 we were incorporated, and I started.

Focus

Colorado Springs Business Journal

March 24 - March 30, 2017

HEALTH CARE QUARTERLY

What does your organization do? We are experts in helping people prioritize what’s important to them once they know they are in the terminal phase of a disease. Some might say it’s about a bucket list, but it’s more than that. It’s a background of expertise that includes routine visits and support to patients and families living with a life-limiting illness. Many have weeks to months to live. … and we can help them with their symptoms and help them get as much positive as they can out of every day. Where were you originally located? Our fi rst worksite was given to us by Grace [and St. Stephen’s] Episcopal Church. They’ve given space to a lot of good things. Partners in Housing started there, TESSA started there. I started at hospice on a volunteer committee, then I was on the board and the executive director then had family health issues and had to step down. The board asked me to take the director’s position. That position has changed about 25 times. … Now I’m the president. We were very small then and had probably 12 fulland part-time staff and a census of about 20 patients. We’re now at about 220 employees and 450 volunteers. We started with less than a $100,000 budget. We’re at about $18 million now. On any given day we’re touching more than 500 patients. Where does your funding come from? Most comes from Medicare and Medicaid. Most of those we serve are elderly and living with life-limiting illness. When Medicaid expanded we’ve seen more Medicaid patients, and we also do hospice care for the military. Our payer sources are broader than they used to be, but Medicare is still at about 75 percent of the patients we care for.

How has your position changed? When we first began, everybody did everything. Everyone took calls and admitted patients. Everybody ran errands and was involved with the state organization. That’s not true now. There’s quite a bit of delegation within departments. I have seven people who are vice presidents, all with different functions to take care of. We are also the only hospice in the community with a licensed inpatient facility. Patients with high acuity needs will come to that program, which is on the sixth floor of the west tower at Penrose [Hospital]. … But about 85 percent of the time people want to be in their own homes. We can make that happen. We have very intensive care at that unit, and we’ll stabilize patients and teach their families and then send them home where we have a hospice home team to follow them. What are your greatest challenges? For the last five years we’ve been concerned because we’re paid less every year. There are more people getting care and [funding is] spread out. Every Medicare provider in the country is seeing a 2 percent cut every year just to try and balance that out. Our rates are lower this year than last year, but our costs keep going up. For the last four years we’ve wondered: Does that mean we need to acquire or merge? We looked at whether we should merge with other elements in city. Should we be business partners with Silver Key or the [Rocky Mountain] PACE program or nursing homes? Would bigger be safer? Would more payment sources make us more sustainable? Then a corporation came into the state that was very interested in taking a look at not-for-profit, legacy, community-based hospice organizations — knowing they were struggling. Could they come up with something to make them more efficient and allow them to maintain their mission?

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With a lot of study and consideration, we joined that company, called Care Synergy. There are four affiliates from Fort Collins to here. Through Care Synergy we share human resources, compliance, quality and IT. The good thing is, our affiliates are very much like us. They feel strongly about their name, their brand and their board. Through the network, we went from 240 employees to 1,000. The budget went from $18 million to $95 million and the average daily census went to about 1,400 patients. … That began in spring 2016. What are you proudest of during your time with Pikes Peak Hospice? As for business decisions, this building is probably the best one. We were always renters. … We knew in 2009 we wanted our own facility, but for about 10 years all of our work was in the old St. Francis Hospital. St. Francis was flooded years back and we were the major tenant there. … It was a disaster that pushed us to get out of the building. … In seven months time we looked at 75 properties. … We looked at schools and churches and storefronts. … We came back to this building, brought in some architects and the price had dropped $2 million. We ran a threeyear capital campaign and fi nished it in 15 months. We moved in five years ago this June and owning the building saves us about 50 percent. What are your plans for retirement? I have a huge learning curve. My generation, to include me, has been working since they were 12. What I do know is that I want to stay involved in this town. I love Colorado Springs. For all its warts, it’s a blessed place to live. There are a lot of wonderful opportunities to move things ahead. I’ve been invited to some boards and will fi nish some books that have nothing to do with health care. And I have some grandkids in my life as well. CSBJ n

22 March 24 - March 30, 2017

Colorado Springs Business Journal

THE LIST: MEDICAL FACILITIES Ranked by total number of local employees

Medical Facilities

From The Book of Lists & Power Pages

Ranked by Total No. of Local Employees*

Just Missed The List

Rank

8 - Mountain View Medical Group PC

9 - HealthSouth Rehabilitation Hospital of Colorado Springs

2 St. Francis Medical Center has been named one of Healthgrades America's 50 Best Hospitals for 10 consecutive years. It is the only hospital in Colorado with this distinction.

3 4

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

Don’t miss The List

March 31: Commercial Real Estate Brokers

April 7: Department of Defense Contractors April 14: Home Builders

Name Address Phone/Fax Website/Email UCHealth Memorial Hospital Central 1400 E. Boulder St. Colorado Springs, CO 80909 719-365-5000 uchealth.org/southerncolorado / uchealth@uchealth.org Centura Health – Penrose Hospital 2222 N. Nevada Ave. Colorado Springs, CO 80907 719-776-5000 penrosestfrancis.org / N/A

Total No. of Staff/ Hours of Operation 3,951 24/7

Major Services Available

Local Person in Charge/ Parent Company/ City, State Allergy care and immunology; back, neck and spine care; blood disorders and disease; Joel Yuhas, President/ cancer care; emergency care; genetic testing and counseling; heart and vascular care; CEO hyperbaric medicine; neurology; nutrition services; palliative care; pediatric care; University of Colorado pharmacy; primary care; radiation oncology; rehabilitation; respiratory and lung care; Health surgical care; trauma services; urgent care; women’s care and wound care. Colorado Springs, CO

Year Est. Locally/ Founded/ Status 1904 1904 Nonprofit

2,147 24/7

N/A N/A Nonprofit

Centura Health – St. Francis Medical Center 6001 E. Woodmen Rd. Colorado Springs, CO 80923 719-571-1000 penrosestfrancis.org / N/A

1,061 24/7

Peak Vista Community Health Centers 3205 N. Academy Blvd., Ste. 130 Colorado Springs, CO 80917 719-632-5700 peakvista.org / communications.omb@peakvista.org Colorado Springs Health Partners, A DaVita Medical Group 2 S. Cascade Ave., Ste. 140 Colorado Springs, CO 80903 719-538-2900 cshp.net / eobrien@cshp.net AspenPointe 115 Parkside Dr. Colorado Springs, CO 80910 719-572-6100 aspenpointe.org / kevin.porter@aspenpointe.org Cedar Springs Hospital 2135 Southgate Rd. Colorado Springs, CO 80906 719-633-4114 or 1-800-888-1088 cedarspringshospital.com / N/A

858 8 a.m. -5 p.m.

A full complement of emergency, medical and surgical services. The Penrose Cancer Center brings leading-edge cancer care to the people of southern Colorado. PenroseSt. Francis' heart program consistently achieves outcomes that exceed national benchmarks. The PSF Laboratories provide a comprehensive range of tertiary care anatomic and clinical diagnostic services. Penrose's Center for Behavioral Health helps businesses retain healthy and productive employees. The PSF Health Learning Center uses an interdisciplinary approach to managing chronic diseases. E Tower boasts a high-tech, 36-bed critical care unit; 36 private-bed cardiovascular floor; wellness center; physician offices; pharmacy. St. Francis Medical Center opened in August 2008. This 195 licensed bed facility is the only full-service hospital in Northern Colorado Springs and features a modern Birth Center, Level III Neonatal Intensive Care Unit, Pediatric Care Unit, Emergency Department, Level III Trauma Center, Imaging Services, Surgical Services and Critical Care Unit. It is also the home base for the Flight For Life Colorado air ambulance helicopter service. Peak Vista provides primary medical, dental and behavioral health services to people facing access barriers at 26 health centers in the Pikes Peak and East Central Plains regions. Ancillary services include laboratory, pharmacy, health education and convenient care.

800 M-F 8 a.m. -5 p.m.

570 24/7

253 24/7

Margaret Sabin, President and CEO, Penrose-St. Francis Health Services President, Centura Health South State Operating Group Centura Health Colorado Springs, CO Mark Hartman, Chief Administrative Officer, St. Francis Medical Center Centura Health Colorado Springs, CO Pam McManus, President and CEO Peak Vista Community Health Centers N/A Primary care, urgent care, lab, radiology, 23+ specialties – aesthetics, allergy, Dennis Schneider, MD, cardiology, dermatology, diabetes education, dietitian services, ENT (otolaryngology), Chief Medical Officer, gastroenterology, neurology, ophthalmology, orthopedic surgery, podiatry, Oraida Roman, Market pulmonology, urology, vein center, sleep center, radiology (including MRI, CT, X-ray) President DaVita Inc. Colorado Springs, CO Adult, child and family outpatient counseling services; mental health and substance Dr. Mick Pattinson, abuse crisis assessment and treatment; crisis walk-in center; education; primary care; President and CEO café and catering Colorado Springs, CO

2008 N/A Nonprofit

1971 1971 Nonprofit N/A 1946 For profit

1875 1875 Nonprofit

Acute and residential psychiatric services and substance abuse treatment, women's A. Elaine Crnkovic, Ph.D. 2003 only trauma informed care, detoxification, adult dual diagnosis chemical dependency Universal Health Services 1923 residential programming, combat stress PTSD residential programming, reactive Colorado Springs, CO For profit attachment disorder residential treatment, partial hospitalization program

* In cases of a tie, secondary ranking is by number of physicians. 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.

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WE’RE LOOKING FOR A CSBJ SALES REP!

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

If you like to rock a power suit more than you like to rock jeans and you are just as comfortable talking with a bank president as you are a mechanic

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Colorado Springs Business Journal

March 24 - March 30, 2017

Photos by Cameron Moix

Christopher Aaby Jason Alwine Rachel Beck Rebecca Decker Andrea Dubbert Charlie Dunn Samuel Elliott Mike Grady Grace Harrison

Deborah Helton Chance Hill Drew Johnson Meredith Jones Tarah King Ian Lee Eric liebold Chris Long Marjorie Noleen

Cory Notestine Kate Perdoni Erin Poovey Kelly Shelton Stacy Sprewer Cory Tuck Hannah Widmer

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24 March 24 - March 30, 2017

Colorado Springs Business Journal

Core: Commercial, residential on rise From page 1

she said. “Sometimes it’s more about how we’re looking at the numbers to determine what we need. … But it was a very good year economically, so most of the information and the numbers were very positive.” Much of this progress has occurred under the leadership of the Downtown Partnership and the Downtown Development Authority, which last year adopted a new “Experience Downtown” development plan — as well as an update to its 2007 master plan (which was subsequently approved by Colorado Springs City Council) — that are designed to work together to help redevelop and beautify downtown Colorado Springs. “[The DDA has] recommended redesign of nine primary gateways, 23 blockfaces of alleyway improvements, 42 blockfaces of improved streetscapes and 172 blockfaces of cycling facilities, conversion of Bijou and Kiowa streets from one-way to two-way, function relocation of the Downtown Transit Center, improved overall connectivity, and much more,” according to the report. “Lured by a walkable environment, robust workforce concentration, oneof-a-kind shops, trail connectivity, state designation as a creative district, and the largest concentration of locally owned restaurants in the region, de-

velopers and investors are rediscoverDowntown Living Initiative grant program, which is designed to spur ing the value of Colorado Springs’ city downtown residential growth by ofcenter,” the report said. fering eligible projects 100-percent tax A few highlights of commercial and increment financing. residential downtown development outThe document also touched on lined in the report were completed, such the topic of attracting and retaining as Blue Dot Place and Catalyst Campus, businesses. and there are plans for more. According According to the report, there were the report, 2016 saw the approval of 19 811 new business fi lings in downland use permits and 662 building pertown Colorado Springs in 2016, which mits valued at $188 million including marked a 40-percent rise in the number projects such as 333 ECO, Fire Station of new business filings in 2015. There No. 1, Bijou Lofts, new student housing are 3,225 businessat Colorado College es located in downand the first phase town Colorado of improvements at Springs, representthe Springs Rescue ing a workforce of Mission. 20,000 employees, “As the citywide according to the residential marreport. ket heated up in — Susan Edmondson “From retail 2016, so too did boutiques and downtown’s, with restaurants to sermore than 300 vices and coworking spaces, 23 new units opened or under construction, street-level businesses opened downand a pipeline of hundreds more units town in 2016, and another 12 businessplanned,” according to the report. es announced they would be opening “We’re not just talking about somein 2017,” the report said. thing that may happen,” Edmondson “It was a huge year for retail and restausaid. “We’ve got cranes in the sky — rants last year,” said Sarah Humbargar, we’re seeing actual activity. I think the Downtown Partnership’s director that is important, because in Colorado of business development and economSprings I feel like we often talk about ic vitality. “Although there were some things and don’t always see them come major closures, there were significantly to fruition.” fewer closures than in recent years … The report outlined the DDA’s and we had a ton of businesses going

"We’re not just talking about something that may happen.”

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Businesses expected to open in 2017:

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into spaces that had been vacant for three or more years.” According to the report, sales in the Downtown Business Improvement District improved 5.3 percent last year over 2015, reaching their highest level since 2010. As part of those sales numbers, retail sales in the downtown zone increased outpaced that growth and increased 8 percent over 2015, reaching their highest level since 2009. As a result, total tax collections in the Business Improvement District in-

creased by 20 percent and helped contribute more than $2.5 million in “2C Road Tax” to infrastructure improvements throughout the city. “The tax rate went up last year, and we didn’t see any indication that sales slowed down,” Humbargar said. “That’s a good thing to see.” Edmondson said that as the economy continues to improve and the downtown commercial real estate market continues to tighten, business tenants in the city’s core could face being priced out of the neighborhood. But for now, she said that is not the reality for downtown retail shops and restaurants. “We hated to see Old Chicago go,” Edmondson said. “But there wasn’t even a hiccup before [Oskar Blues announced their plans] for something that was maybe a little more urban … a little more modern.” Humbargar said that although some business have chosen to leave the downtown core, it’s not as dire as it seems. A couple of the more significant moves out of downtown (Southside Johnny’s and Old Chicago) are considered wise business decisions by owners looking to save on rent and buy their own buildings, while Coquette’s moved from its rented North Tejon Street space to ownership of a larger building on South Tejon Street. “Here downtown, we’re pretty limited on retail space but we’re extremely limited when it comes to restaurant space,” Humbargar said. The former Coquette’s space has already been filled with two businesses: IV by Brother Luck and Rooster’s House of Ramen. “It’s pretty neat that we’ve got a restaurant that has been able to grow by investing in a downtown property," Humbargar said. "And that by them leaving we’re able to bring in two new chef-driven concepts and really build our culinary scene.” CSBJ

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Colorado Springs Business Journal

March 24 - March 30, 2017

Optimism: National survey has local implications the same. Some local companies ready to hire are experiencing setbacks. “Right now, our biggest challenge is a little bit of the business in 2014 with the help of local resources a location challenge,” said Mike Juran, co-owner of and family. Altia, a software development firm headquartered “I brought my business to Colorado because of all locally with offices in Detroit, Germany and Japan. the support for small business here and because this Altia employs 60 people and is looking to hire more is my hometown,” Richardson said. in the coming year. About half of all new hires will be Some of that support came via the SBDC. for the Colorado Springs headquarters, he said. “The SBDC has workshops and mentors, business “We have to recruit tech employees — so younger counselors and free access to lawyers and, in the very Millennials — as well as executives in the tech industry. beginning stages of my company, I needed all the help Often they are not here [in Colorado Springs] already. I could get,” she said. So bringing them here is a challenge,” he said, addRichardson, who also had ing Colorado Springs is no longer weekly access to a business menconsidered a tech hub. Juran said tor, said she found startup capital that could mean tech employees to be a major barrier to entry. won’t have anywhere to go if they “The biggest hurdle that I want to switch companies. didn’t realize was going to be so One recruiting positive, he said, hard was getting my financing, involves downtown. getting capital,” said Richardson. “The changes in downtown are “Basically there are no options for certainly ones we have been enstartup capital for new business — Aikta Marcoulier couraging,” Juran said. “Like creowners. For a startup company ating a more urban environment you need two years of proven where Millennials might want to profits. Prior to those two years, there are not a lot live and socialize, a more attractive urban community of options.” mixed with the outdoors as opposed to just relying Richardson funded her business with loans from on the fact that we have Pikes Peak. Younger, single friends. “I was broke when I started. I just tried to turn software developers have other needs beyond that. one box into two and two into four. I took some small “Certainly the city is working hard to change this, personal loans from friends that believed in what I but recruiting and attracting people to Colorado was doing so I could buy a couple of the necessities to Springs and changing the kind of reputation the city get going,” she said. has for the Millennial crowd is not automatic.” From page 9

“We believe business owners should start thinking about transition planning right now.”

LOCAL CHALLENGES The Wells Fargo/Gallup survey indicates that 29 percent of small business owners expect to see an increase in employees while 66 percent expect to stay

National indicators • 71 percent of survey respondents said their current financial situation is very good or somewhat good, up from 66 percent in Q4 of 2016. • 45 percent said revenue increased a little or a lot, up from 37 percent in Q4 of 2016. • 40 percent said credit was somewhat easy or easy to obtain, up from 34 percent in Q4 of 2016.

nesses surveyed had a written transition plan. While 59 percent of them expect to create a plan in the future, 51 percent do not consider that to be a high priority. “I think this is really accurate,” Marcoulier said. “And it is a big deal. We have been working on business continuity and preparedness in a variety of ways since 2012.” Juran said his company does not have a transition plan in place. “We are building a company such that it is not dependent on me. We are a fairly mature software company. It’s not like if the founder gets hit by a bus it is all over, in our case.” He said his top leadership is fairly young, but Marcoulier said it is never too early to make a transition plan. TRANSITION PLANNING “We believe business owners should start thinking AND RETIREMENT about transition planning right now,” she said. 17-CSU-01950_Business_PRINT_4.75x6.5_4C_FNL2.pdf 1 happen.” 3/21/17 9:30 Survey results show that only 30 percent of busiCSBJAM “We have seen disasters n

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26 March 24 - March 30, 2017

Colorado Springs Business Journal

Cyber: City ready to be recognized globally for talent From page 3

“They’re saying, ‘Your company could go after this portion of it if you partner with this other company; we’ll help you write the proposal,’” Murray said. “That’s innovative. That’s what’s unique about what Colorado Springs is doing. I travel all over the U.S. doing consulting and training, and I don’t see this anywhere else.” Andrew Vance, principal cyber technology consultant at Vance Rodriguez Consulting, said “real, visible partnerships” across sectors are key to the city continuing to strengthen its position as a cybersecurity hub. Vance said he had felt confident locating and developing his business in Colorado Springs because of the city’s public-private cybersecurity partnerships and the level of involvement of UCCS, the Air Force Academy, Catalyst Campus, the private sector and the legislature in supporting those relationships. “That was enough for me to say not only is this great for Department of Defense professionals, but also for Millennials coming out of the academic institutions — they can see this is a good place to live and work,” Vance said. Murray pointed to CyberWorx at the Air Force Academy, root9B and SecureSet as examples of Springs-based groups making their mark by keeping up with ever-changing skill sets, taking real world problems and reaching faster, more creative solutions. “Those guys at root9B are doing phenomenal stuff — things that are not the norm,” Murray said. “They’ve changed the paradigm to better solve problems. Now they’re getting million-dollar contracts and working for Fortune 500 companies." Vance described the Springs cybersecurity community as “very passionate” about giving small businesses big opportunities, understanding their agility and usefulness, and helping them grow.

“From a small business perspective, we’re recognized by contracting companies and the Department of Defense as really innovative partners,” he said.

NATIONAL CYBERSECURITY CENTER Rios said the National Cybersecurity Center participated as an “information sharing and analysis organization” for understanding the threat and adversarial technologies of cybercriminals and nation states. A good example of public-private partnership, he said, is the cyber threat communication from both the federal government and the private sector that allows the NCC to present analyses, provide education and training, and develop research opportunities. When renovations are complete at the NCC’s new facility in July, Rios said, the nonprofit will “be able to position with industry and academia even closer, and we’ll bring more capability in cybersecurity, economic development and workforce development to Colorado Springs.”

TIPPING POINT Backes said the city is “right on the edge of that tipping point, where other communities across the country and globally recognize the expertise that exists in Colorado Springs, leading to … a permanent [cybersecurity] ecosystem here.” The tipping point, Backes said, would not be measured in time but by “the right anchor organizations recognizing that the cybersecurity center of mass is in Colorado Springs. “We need one weighty player — a Booz Allen Hamilton, a Lockheed [Martin], a Northrop [Grumman] — to step into our community and say ‘This is where we’ll put the center of [our] cybersecurity expertise,’” he said. “If one major player did that, the others would follow suit.”

By the numbers $1 trillion: Projected global spending on cybersecurity from 2017-2021 554 million: Number of records breached worldwide in the first half of 2016 18 percent: Cyber job growth projected 2014-24 by the U.S. Bureau of Labor Statistics Ed Anderson, executive director of strategic military, science, space and security initiatives at UCCS, said Colorado Springs would come to be recognized as a cyber center just as it had been recognized as a space center decades ago, citing the National Cybersecurity Center, academia focused on cybersecurity, a strong military presence and 105 cyber-related companies locally. “The key piece is you’ve got the academia here who can provide the workforce. If you’ve got people who can do the job here, then that’s going to bring the private sector here to build upon that. “There’s just no telling where it’s going to go, but it’s going to be big,” Anderson said. Colorado Springs has one of the lowest unemployment rates for technology, Murray said, and not enough people to fill open positions. “There is so much happening here, with the governor’s initiative to make Colorado Springs the cyber center of excellence, the mayor’s initiative on workforce development, with what’s going on at Catalyst Campus, with CyberWorx and C-TRAC [Center for Technology, Research and Commercialization] ...,” he said. “To me, this is the hub.” CSBJ n

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Colorado Springs Business Journal

March 24 - March 30, 2017

Photos by Cameron Moix

CNE hosts 2017 Nonprofit Day Conference The Center for Nonprofit Excellence hosted the 2017 Nonprofit Day Conference March 17, at the The Antlers hotel in downtown Colorado Springs. On the day of the event, 530 attendees had registered for the conference, which offered 20 breakout sessions (and seven separate tracks) addressing everything from nonprofit leadership and volunteer engagement, to organizational collaboration and taxes. “A couple of things we’ll be looking at are how will the talent and leadership needs be changing in the future, especially given the new social, political and environmental climates” said CNE Executive Director Abby Laine Seinkiewicz. “Changing times often call for changes in the way we do business and how we look at our organizations.” The annual event also hosted 22 vendors and featured a keynote speech from nonprofit expert and author Joan Garry, most well known for her book “Joan Garry’s Guide to Nonprofit Leadership: Because Nonprofits are Messy.”

28 March 24 - March 30, 2017

Colorado Springs Business Journal

LETTER TO THE EDITOR

In response to the CSBJ [March 17] Opinion piece, “Gallagher Amendment creates unfriendly climate": About the Gallagher Amendment: a. There are many classifications of real and personal property, but for this discussion we will include property that people live in as “residential” and all other property, to include personal property, as “non-residential.” b. Just prior to the enactment of what is referred to as the Gallagher Amendment to the Colorado Constitution, both residential and non-residential properties were assessed at 30 percent of their actual values (or in the case of agricultural land, it’s productivity value). c. Immediately after Gallagher was passed, residential property was assessed at 21 percent of its actual value while non-residential property (there is a commercial classification, but there is no specific business classification) was assessed at 29 percent. c. The impact of TABOR on the residential assessed rates since the Gallagher Amendment was enacted in 1983 has been minimal: It has typically been less than 1 percentage point or 2 at the most. The current residential and non-residential assessed value rates, 7.96 and 29 percent of actual values, results in non-residential property owners paying over 3.6 times more in property taxes based upon the actual value of property than residential property owners do. To illustrate the impact of this, if the actual values of

two properties, one residential and the other non-residential, were both $100,000 and the property taxes on the residential property happened to be, say, $1,000, the non-residential property owner would pay 3.6 times more in property taxes than the residential property owner, or $3,600 even though their actual values were the same. Once the new residential rate of 6.56 percent comes into effect in 2018, the non-residential property owner would pay 4.42 times more in property taxes than the residential property owner and that $3,600 in the example would increase to $4,420! All vacant land, which typically receives little or no benefit from the taxing entities its property owner pays into, is considered non-residential — so the property owners of vacant land pay a tax rate of 29 percent of their actual value. It is no wonder that owners of vacant land, land that is or can be zoned residential, want to put a home or apartment building on that land at the soonest. In some cases, by doing so, they will actually reduce their tax liabilities! Using the example above, if the vacant land had an actual value of $100,000 and if the improvements to the vacant land did not exceed $264,321 (land and improvement combined did not exceed $364,321), then the property owner would end up paying the same amount of property taxes (or less) than he did for the vacant property alone! This inequity is due to the Gallagher Amendment. I believe the greatest problem with the Gallagher Amendment, especially now with the great disparity between residential and non-residential assessed value rates, is the possibility of some governmental entity or district, more than likely a school district, proposing a large increase in their mill levy to the voters. The proponents typically say to the voters that the property tax increase will only amount to a few hundred dollars a year on your homes, or maybe even more, to obtain some tremendous benefit to the governmental entity or district. The impact on the non-residential property owners and to commercial tenants who typically pay the full amount of taxes in the Common Area

Maintenance (CAM) fees could bankrupt the property owners or put the tenants out of business. Never does a proponent of property tax increase explain the unintended financial consequences that the seemingly mild bump in property taxes for residential property owners will surely have on non-residential property owners and their tenants. To solve this problem, we should have assessed rates that are equal for all categories of properties or some permanent split like that one originally proposed: 21 percent for residential and 29 percent for non-residential properties. The current requirement for residential properties to only support 45 percent of the property tax burden and non-residential to support 55 percent should be eliminated. However, as a first step towards the above solution, I would propose that our Colorado General Assembly consider implementing a “split roll” property tax system. How this would work would be that all residential property would be contained on one tax roll while the other roll would contain all the remaining property types. The property taxes for all residential property, to include any increases or decreases, would remain under the control of the voters. The impact of the Gallagher Amendment could also remain in effect for residential property owners (thus retaining the current 7.96 percent and the new 6.56 percent rate that will soon go into effect). The assessed rates (and mill levies) for all other properties would then come under the purview of the General Assembly. If this were to happen, the General Assembly should review the rate imposed on vacant land and consider adjusting it downward to some reasonable level — maybe to the same rate as residential property. It will take some time for the property tax rates to come back to some type of equilibrium. The other way is to get the voters to agree to a significant tax hike — which, as the article indicated, is unlikely. — Vince Rusinak

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Colorado Springs Business Journal

March 24 - March 30, 2017

NEW LAW DIRECTS SUPPORT FOR MILITARY INSTALLATIONS AND NEIGHBORING COMMUNITIES

Gov. John Hickenlooper signed into law a bill that will help enhance strategic partnerships between communities and military installations. House Bill 17-1054 directs the Department of Local Affairs to support cooperative intergovernmental agreements between military installations and local governments, according to a news release issued by the Colorado Springs Chamber & EDC. The bipartisan bill is sponsored by Rep. Terri Carver (R-District 20) and Rep. Dan Nordberg (R-District 14) of Colorado Springs, along with Sen. Nancy Todd (D-District 28). “Given the national priority that the Department of Defense has placed on community partnerships, we appreciate the state taking this action that will enable local communities such as Fountain and Ellicott to leverage state support in pursuing new and unique partnerships to meet the needs of installations in our region,” said Colorado Springs Chamber & EDC Chief Defense Industry Officer Andy Merritt. “There are a variety of tools available for such partnerships, but they can be complex and time consuming to pursue. State support could be the difference between the success or failure of local efforts to address important needs.” Merritt, who assisted legislators in the formation of the bill, said it is an innovative step that will help forge stronger partnerships between regional military installations and surrounding communities. “It is a win-win for both and demonstrates how our state is committed to supporting the military,” Merritt said. “This bill is good government and common sense — identifying areas where local communities can partner with military installations in providing needed services more efficiently and at less cost,” said Carver in the release. “Military bases are a critical part of the local community, as we know very well in El Paso County. This bill demonstrates Colorado’s commitment to our military installations as an important economic sector in the state economy.” The release states that, with the passage of the bill, “local communities could realize significant cost savings through shared support services.” Shared services that local governments can provide to military installations would help pay for fixed costs and overhead, while services that local communities can purchase from military installations could come with a reduced cost.

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30 March 24 - March 30, 2017

Colorado Springs Business Journal

OTHER VOICES

Aging workforce: What does ‘8 80 Cities’ mean?

hat is 8 80 Cities and what does it have to do with the workforce and economic development? On Jan. 24, the Downtown Partnership presented Gil Penalosa, founder of the non-profit organization 8 80 Cities. Based in Canada, 8 80 Cities was created on this philosophy: If you create a great city for an 8-year-old and an 80-year-old, you will create a successful city for all people. I had the opportunity to interview Penalosa. He is dedicated to transforming cities and helping civic innovators make their communities vibrant places where people can walk, bike and access better transit options for commuting and recreation. His zeal for this work was inspired by his mother, a landscape gardener, and his father’s passion for the public sector. He stressed every city should have a law of two words: Pedestrians first. Prior to his presentation, Penalosa walked our downtown and explored several parks and neighborhoods and incorporated local photos into his presentation. He noted the wide downtown streets are easily and economically suited for protected bike lanes. “Streets are tax-supported public spaces that ultimately belong to the citizens,” he said, sharing examples of cities that have closed streets to motorized vehicles on weekends and/or holidays to be used for walking and biking. Add some portable benches and potted trees and

you suddenly have a “pop-up park.” Wh i le her e, Penalosa also met with two Colorado College classes, a group of 12 city staffers and attended a private reception that included city council members, S C O T T city and county employees, Mayor John Suthers, leaders from the business and nonprofit sectors, and local parks and trails advocates to better understand our community and provide ideas for us to consider such as: • There is a distinction between “park management” vs “park maintenance.” Cities must manage their parks, not merely maintain them. • Change is never unanimous — the general interest of the community must be the top priority as opposed the desires of “CAVE people” — citizens against virtually everything. • City planners should listen carefully for the wheels that don’t squeak, for they represent the gentle majority — children, the poor and the elderly — growing demographics in our community. • If you say no to a new idea, you are also saying yes to the status quo.

B.J.

So, what does this have to do with our workforce and economic development? For Penalosa, it is a straight line. “Investing in infrastructure is investing in a community’s quality of life which directly supports economic development. Businesses, skilled employees of all ages and engaged citizens are attracted to an 8 80 city,” he said, citing Portland, Ore., as a community that puts pedestrians fi rst. The city’s strategy grew from a philosophy that saw streets as commodities resulting in a different perspective on competition based on viewing the entire street as a product. One of the business owners said, “Every great restaurant that comes to the street, food carts that come to the street, great retail that comes to the street — that creates a guaranteed f low of walking traffic. The street itself is a commodity that people come to.” Considering his experience working with cities around the world, regarding “low-hanging fruit” in Colorado Springs, Penalosa shared these thoughts: • Link the Old North End and downtown with a protected bike lane. • Consider piloting free bus rides for a year (or some other period) to increase comfort levels with public transportation. Penalosa said there would be an

Planners should listen carefully for the wheels that don't squeak.

immediate return on investment as more people use public transportation once fares resume. • Identify walking as a No. 1 priority on all community planning lists. • Consider a massive economic development public relations campaign to change the local mindset from a focus on motorized vehicles to walking and biking. • Test out the concept of “Pop Up Parks” somewhere in the city. Finally, as board chair of the Colorado Springs Health Foundation, I was eager to hear his thoughts on the role of philanthropy in the effort to make our community a great place for 8- and 80-year-olds. Noting that the public sector has limited resources, Penalosa said, “Philanthropists and foundations should put their money toward things that are more risky than safe. Fund some big ideas to test them out. Some will work, some won’t, but this strategy is the best way to partner with and support government.” As we all work in our community, it may be helpful to see a special 8-yearold or 80-year-old in our minds’ eyes and consider how our decisions will impact them. B.J. Scott, an advocate for age-friendly workplaces, is the former CEO of Peak Vista Community Health Centers and its foundation. She can be reached at bjscott2325@ gmail.com.

Young professionals must get out and vote

he fi rst rule of Fight Club is ...” “When a couple of guys who were up to no good, Started making trouble in my neighborhood, I got in one little fight and my mom got scared, She said, ‘You’re movin’ with your auntie and uncle in ...’” “I’m Rick James …” ORTEGON If you have no idea how to finish any of the above references, you can stop reading now. This message is not for you. But if you can, and even know the tune of the second reference, hello young professional of Colorado Springs. We need to talk. It should come as no surprise to anyone that our demographic rarely gets engaged and barely votes. It is almost cliché at this point. And I get it. I really do. It is easy to feel disconnected. Many of us juggle work, school, kids, friends and activity after activity. It is difficult to prioritize something, especially when some believe our vote doesn’t matter. I am here to explain why it is crucially important for the young professionals of this community to get engaged and vote. Let me start with why your vote matters. I hear skeptics saying all the time, “Why should I vote? It isn’t like it determines the outcome.” As if. There are approximately 175,000 young professionals in Colorado Springs; of which 107,000 are registered to

Arthur

vote. If only 10 percent of residents under the age of 44 decided to vote in this April’s municipal election, our demographic would contribute approximately 11,000 votes. Spread evenly, that would account for 1,800 votes per district. Now consider: During the last city council district-specific election in 2013, four of the six races were decided by fewer than 1,000 votes, with two being decided by fewer than 275 votes. Your vote can and does matter and could determine who gets elected to lead your city. Imagine if our young professional residents reached 20 percent of our voting potential. This would be 35,000 votes! Young professionals would be a formidable voting bloc that no politician seeking election could ignore. We simply need to vote. Community engagement is a vital part of many projects, programs and the general success of our city. The benefits of it are well documented. More effective solutions are created and citizens feel empowered. Different backgrounds and perspectives are included and trust in community organizations and governance increases. Despite the incredible value of participation, the most important benefit of community engagement is the creation of local networks. The more people who are informed and willing to work toward a goal, the more likely a community will be successful in reaching those goals.

Regardless of qualifications or age, everyone knows what they like and dislike, has an opinion about what needs to be done. One’s voice can be heard and involvement does make a difference, but it has to start where it matters most: at the local level. You still with me? No? “It’s so damn hot. Milk was a bad choice.” Better? Glad to have you back. Now, one of the simplest and quickest ways to get involved is to vote. And not just for the U.S. president, but for local officials as well. Our mayor and city councilors have the true power to affect daily life. They determine how taxes are spent; they maintain the roads and bridges you cross; they determine how your home and neighborhood are zoned; they manage water, sewage and electricity; they determine access to emergency services. Basically, for the best quality of life, one must be engaged on a local level. Take 10-15 minutes to fill out that ballot for the municipal election taking place right now, with six of the nine city council seats up for grabs and three infrastructure issues on the ballot. And now a gift for those who made it to the end — “McLovin? What kind of a stupid name is that, Fogell? What, are you trying to be, an Irish R&B singer?” Arthur Ortegon is on the Colorado Springs Chamber & EDC’s board of directors.

Young professionals would be a formidable voting bloc.

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

Colorado Springs Business Journal

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March 24 - March 30, 2017

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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. Seethrough 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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Colorado Springs Business Journal

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

PUBLIC NOTICES COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601236 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 15, 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): KRYSTINA J ROSARIO Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR CALIBER HOME LOANS, INC., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: July 31, 2015 County of Recording: El Paso Recording Date of Deed of Trust: August 06, 2015 Recording Information (Reception No. and/or Book/Page No.): 215085048 Original Principal Amount: $181,943.00 Outstanding Principal Balance: $179,257.50 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 87, CHAPARRAL POINT AT INDIGO RANCH FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7667 CALYPSO DRIVE, COLORADO SPRINGS, CO 80923-5424. 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, 04/19/2017, 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: 2/24/2017 Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A

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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: 12/15/2016 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 # 16-013768 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. EPC201601248 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 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): Shawn Sweat and Kenley Sweat Original Beneficiary(ies): Wells Fargo Bank, N.A. Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: June 30, 2010 County of Recording: El Paso Recording Date of Deed of Trust: July 02, 2010 Recording Information (Reception No. and/or Book/Page No.): 210063971 Original Principal Amount: $189,800.00 Outstanding Principal Balance: $170,034.72 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 32, WAGON TRAILS SUBDIVISION FILING NO. 31, IN THE CITY OF COLORADO SPRINGS, STATE OF COLORADO Also known by street and number as: 7262 Grand Prairie Drive, 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, 04/19/2017, 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: 2/24/2017 Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED

THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/19/2016 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: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-755673-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. EPC201601254 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 21, 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): CONNIE E. MCROY Original Beneficiary(ies): PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: April 23, 2008 County of Recording: El Paso Recording Date of Deed of Trust: May 06, 2008 Recording Information (Reception No. and/or Book/Page No.): 208052079 Original Principal Amount: $111,345.00 Outstanding Principal Balance: $106,076.58 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 5, IN BLOCK 12, IN SMARTT’S SUBDIVISION NO.5 FILING NO.2, IN THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK Z AT PAGE 79, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 118 BALFOUR AVENUE, 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, 04/19/2017, 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: 2/24/2017 Last Publication: 3/24/2017 Name of Publication:

Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/21/2016 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: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013450 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. EPC201601256 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 21, 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): Jeremy J Dixon Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for Mortgage Solutions of Colorado Current Holder of Evidence of Debt: Ocwen Loan Servicing, LLC Date of Deed of Trust: February 06, 2009 County of Recording: El Paso Recording Date of Deed of Trust: February 23, 2009 Recording Information (Reception No. and/or Book/Page No.): 209017319 Original Principal Amount: $202,240.00 Outstanding Principal Balance: $197,749.88 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 49, IN SUMMERNIGHT SUBDIVISION, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 1916 Summernight Terrace, 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, 04/19/2017, 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: 2/24/2017 Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/21/2016 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 A. Shore #19973 Hellerstein and Shore, P.C. 5347 S. Valentia Way, Suite 100 Greenwood Village, CO 80111 (303) 573-1080 Attorney File # 16-00558SH 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. EPC201601257 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 22, 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): JOHN J. PRITCHARD Original Beneficiary(ies): FIRST COMMUNITY MORTGAGE, A DIVISION OF FIRST COMMUNITY BANK Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: June 12, 2007 County of Recording: El Paso Recording Date of Deed of Trust: June 19, 2007 Recording Information (Reception No. and/or Book/Page No.): 207082463 Original Principal Amount: $82,602.00 Outstanding Principal Balance: $69,304.07 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. SEE ATTACHED LEGAL DESCRIPTION EPC201601257 LEGAL DESCRIPTION CONDOMINIUM UNIT E IN BUILDING 3450 IN SIERRA POINT CONDOMINIUMS, (FORMERLY KNOWN AS SNAPFINGER WOODS CONDOMINIUMS), ACCORDING TO THE AMENDED CONDOMINIUM MAP FOR SNAPFINGER WOODS CONDOMINIUMS RECORDED ON JUNE 22, 1981 AND RECORDED IN BOOK 2 AT PAGE 58, RECEPTION NO. 781667, IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF THE COUNTY OF EL PASO, COLORADO, AND AS DEFINED AND DESCRIBED IN THE AMENDED AND RESTATED CONDOMINIUMS DECLARATION FOR SIERRA POINTE CONDOMINIUMS, (FORMERLY KNOWN AS SNAPFINGER WOODS CONDOMINIUMS), RECORDED MAY 22, 1986 IN BOOK 5173 AT PAGE

Colorado Springs Business Journal

March 24 - March 30, 2017

PUBLIC NOTICES 1468, RECEPTION NO. 1399203, IN SAID RECORDS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3450 PARKMOOR VILLAGE DRIVE UNIT E, 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, 04/26/2017, 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: 3/3/2017 Last Publication: 3/31/2017 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: 12/22/2016 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: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013869 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. EPC201601263 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 27, 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): Analee H McIntyre Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Peoples Mortgage Corporation, a Colorado Corporation Current Holder of Evidence of Debt: JPMorgan Chase Bank, National Association Date of Deed of Trust: February 25, 2010 County of Recording: El Paso Recording Date of Deed of Trust: March 05, 2010 Recording Information (Reception No. and/or Book/Page No.): 210021212 Original Principal Amount: $149,737.00 Outstanding Principal Balance: $132,568.01 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 1, R & B SUBDIVISION, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3019 Mission St, 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, 04/26/2017, 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: 3/3/2017 Last Publication: 3/31/2017 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: 12/27/2016 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-16-757491-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. EPC201601265 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 27, 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): LEONARD ARCOS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR HOMEAMERICAN MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: October 03, 2012 County of Recording: El Paso Recording Date of Deed of Trust: October 09, 2012 Recording Information (Reception No. and/or Book/Page No.): 212118275 Original Principal Amount: $239,394.00 Outstanding Principal Balance: $221,018.87 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 10, BANNING LEWIS RANCH FILING NO. 7, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6664 MONTEREY PINE LOOP, 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, 04/26/2017, 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: 3/3/2017 Last Publication: 3/31/2017 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: 12/27/2016 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: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013886 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. EPC201601266 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 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): STEVEN DAVIS AND MELINDA D. DAVIS Original Beneficiary(ies): WELLS FARGO HOME MORTGAGE, INC. Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: February 20, 2004 County of Recording: El Paso Recording Date of Deed of Trust: March 01, 2004 Recording Information (Reception No. and/or Book/Page No.): 204034115 Original Principal Amount: $195,417.00 Outstanding Principal Balance: $187,289.70 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 29, RIDGEVIEW AT STETSON HILLS FILING NO. 3, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5841 HUERFANO DRIVE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and

Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/26/2017, 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: 3/3/2017 Last Publication: 3/31/2017 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: 12/28/2016 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: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013807 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. EPC201601271 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 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): MICHAEL J. MONTOYA 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: June 15, 2012 County of Recording: El Paso Recording Date of Deed of Trust: June 15, 2012 Recording Information (Reception No. and/or Book/Page No.): 212069115 Original Principal Amount: $210,429.00 Outstanding Principal Balance: $192,050.84 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 EASTVIEW ESTATES FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 7643 STEWARD LANE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on

Wednesday, 04/26/2017, 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: 3/3/2017 Last Publication: 3/31/2017 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: 12/28/2016 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: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013917 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. EPC201601281 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 30, 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): RONIE RALSTON HUDDLESTON JR Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VA MORTGAGE CENTER OF COLORADO SPRINGS, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: October 01, 2012 County of Recording: El Paso Recording Date of Deed of Trust: October 02, 2012 Recording Information (Reception No. and/or Book/Page No.): 212115888 Original Principal Amount: $155,000.00 Outstanding Principal Balance: $144,392.40 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 6, BLOCK 10, AUSTIN ESTATES SUBDIVISION NO. 2, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 1405 QUERIDA 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, 05/03/2017, 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: 3/10/2017 Last Publication: 4/7/2017 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: 12/30/2016 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 # 16-013958 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. EPC201601282 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 30, 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 WOOD AND SHELLI WOOD Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: SELENE FINANCE LP Date of Deed of Trust: April 24, 2008 County of Recording: El Paso Recording Date of Deed of Trust: April 24, 2008 Recording Information (Reception No. and/or Book/Page No.): 208047272 Original Principal Amount: $248,598.00 Outstanding Principal Balance: $215,127.06 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 32, ANTELOPE CREEK SUBDIVISION FILING NO. 3, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6726 WAGON RIDGE DRIVE, 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, 05/03/2017, 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

34 March 24 - March 30, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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: 3/10/2017 Last Publication: 4/7/2017 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: 12/30/2016 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: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013744 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. EPC201700007 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 4, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JEFFREY E. CARR Original Beneficiary(ies): PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: October 09, 2009 County of Recording: El Paso Recording Date of Deed of Trust: October 16, 2009 Recording Information (Reception No. and/or Book/Page No.): 209121142 Original Principal Amount: $178,829.00 Outstanding Principal Balance: $193,972.89 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 3, VILLA LOMA SUBDIVISION FILING NO. 7, EL PASO COUNTY, COLORADO. Also known by street and number as: 2531 SIERRA DRIVE, 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, 05/03/2017, 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: 3/10/2017 Last Publication: 4/7/2017 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: 01/04/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013973 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. EPC201700014 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 5, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): DOUGLAS W. CLASEN AND DISA A. CLASEN 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: June 08, 2012 County of Recording: El Paso Recording Date of Deed of Trust: June 11, 2012 Recording Information (Reception No. and/or Book/Page No.): 212066689 Original Principal Amount: $173,027.00 Outstanding Principal Balance: $159,552.34 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 IN BLOCK 6 IN AUSTIN ESTATES SUBDIVISION NO. 5, FILING NO. 5, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1410 OSGOOD ROAD, COLORADO SPRINGS, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 05/10/2017, 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: 3/17/2017 Last Publication: 4/14/2017 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: 01/05/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013919 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. EPC201700015 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 5, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JUSTIN S. GRAY AND CHRISTINA P. GRAY 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: WELLS FARGO BANK, NA Date of Deed of Trust: May 30, 2013 County of Recording: El Paso Recording Date of Deed of Trust: May 31, 2013 Recording Information (Reception No. and/or Book/Page No.): 213070310 Original Principal Amount: $251,186.00 Outstanding Principal Balance: $234,973.42 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 22, IN BLOCK 3, STETSON HILLS SUBDIVISION FILING NO. 10, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 6140 HEARTH COURT, 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, 05/10/2017, 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: 3/17/2017 Last Publication: 4/14/2017 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: 01/05/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Elizabeth S. Marcus #16092 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013979 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. EPC201700018 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 6, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ARIANE C. PARIURY Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR WR STARKEY MORTGAGE, L.L.P., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: NATIONSTAR MORTGAGE LLC Date of Deed of Trust: February 16, 2010 County of Recording: El Paso Recording Date of Deed of Trust: February 16, 2010 Recording Information (Reception No. and/or Book/Page No.): 210014373 Re-Recording Information (Reception No. and/or Book/Page No.): 210032245 Re-Recording Date of Deed of Trust: April 07, 2010 Original Principal Amount: $159,065.00 Outstanding Principal Balance: $116,630.63 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 2, REFILING OF A PORTION OF CIMARRON HILLS SECOND FILING, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1327 HATHAWAY 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, 05/10/2017, 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: 3/17/2017 Last Publication: 4/14/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-

38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 01/06/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013219 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. EPC201700026 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 10, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): NICKESHA CABRERA AND OFELIA CABRERA Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR RESMAE MORTGAGE CORPORATION Current Holder of Evidence of Debt: U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE HOME EQUITY ASSET TRUST 2007-3 HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES 20073 Date of Deed of Trust: December 29, 2006 County of Recording: El Paso Recording Date of Deed of Trust: January 12, 2007 Recording Information (Reception No. and/or Book/Page No.): 207006127 Original Principal Amount: $270,000.00 Outstanding Principal Balance: $267,917.75 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 20 IN ANTELOPE MEADOWS SUBDIVISION FILING NO. 3, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4770 RUSHFORD PLACE, 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, 05/10/2017, 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: 3/17/2017 Last Publication: 4/14/2017 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: 01/10/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006472088 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. EPC201700027 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 11, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): VICKI VALDEZ AND VERA CHRISTMAN Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR PINNACLE MORTGAGE GROUP INC., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: July 13, 2010 County of Recording: El Paso Recording Date of Deed of Trust: July 14, 2010 Recording Information (Reception No. and/or Book/Page No.): 210067067 Original Principal Amount: $165,133.00 Outstanding Principal Balance: $126,535.12 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 6 IN BLOCK 1 IN CENTURY HEIGHTS ADDITION NO. 5, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 2206 ALPINE 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, 05/10/2017, 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: 3/17/2017 Last Publication: 4/14/2017 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

Colorado Springs Business Journal

March 24 - March 30, 2017

PUBLIC NOTICES 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: 01/11/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013964 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. EPC201700032 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 11, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): DANIEL BOLLINGER AND MAEGAN K. BOLLINGER Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR GMAC MORTGAGE CORPORATION Current Holder of Evidence of Debt: RESCAP LIQUIDATING TRUST Date of Deed of Trust: November 08, 2005 County of Recording: El Paso Recording Date of Deed of Trust: December 01, 2005 Recording Information (Reception No. and/or Book/Page No.): 205191307 Original Principal Amount: $93,467.00 Outstanding Principal Balance: $90,167.61 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 42 IN CHEROKEE PARK TOWNHOMES, EL PASO COUNTY, COLORADO. Also known by street and number as: 2479 WASHO CIRCLE, 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, 05/10/2017, 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: 3/17/2017 Last Publication: 4/14/2017 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: 01/11/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David A. Shore #19973 Hellerstein and Shore, P.C. 5347 S. Valentia Way, Suite 100 Greenwood Village, CO 80111 (303) 573-1080 Attorney File # 16-00569SH 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. EPC201700041 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 13, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): FLORENCE RUNION Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR AEGIS WHOLESALE CORPORATION Current Holder of Evidence of Debt: NATIONSTAR MORTGAGE LLC Date of Deed of Trust: June 26, 2006 County of Recording: El Paso Recording Date of Deed of Trust: July 03, 2006 Recording Information (Reception No. and/or Book/Page No.): 206097381 Original Principal Amount: $152,000.00 Outstanding Principal Balance: $151,396.91 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. THE SOUTHERLY 2 FEET OF LOT 8, AS MEASURED AT RIGHT ANGLES AND PARALLEL TO THE SOUTHERLY LINE THEREOF, AND THE NORTHERLY 58 FEET OF LOT 9, AS MEASURED AT RIGHT ANGLES AND PARALLEL TO THE NORTHERLY LINE THEREOF, ALL IN BLOCK 1, IN CENTURY HEIGHTS ADDITION NO. 2, TO THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK W AT PAGE 24. Also known by street and number as: 2115 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, 05/17/2017, 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: 3/24/2017 Last Publication: 4/21/2017 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: 01/13/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006455992 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

as provided by law. First Publication: 3/24/2017 Last Publication: 4/21/2017 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: 01/18/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David A. Shore #19973 Hellerstein and Shore, P.C. 5347 S. Valentia Way, Suite 100 Greenwood Village, CO 80111 (303) 573-1080 Attorney File # 16-00416SH 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. EPC201700046 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 18, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Jeffrey Donald Weitz and Dorinda D Parara-Weitz Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for USAA Federal Savings Bank Current Holder of Evidence of Debt: Ocwen Loan Servicing, LLC Date of Deed of Trust: July 22, 2010 County of Recording: El Paso Recording Date of Deed of Trust: July 27, 2010 Recording Information (Reception No. and/or Book/Page No.): 210071658 Original Principal Amount: $247,920.00 Outstanding Principal Balance: $246,330.35 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, BLOCK 3, COLORADO SPRINGS RANCH FILING NO. 4, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6785 Blazing Trail Dr, Colorado Springs, CO 80922-3033. 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, 05/17/2017, 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

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700047 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 18, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): CHARLES L. FULLER Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FREEDOM MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: FREEDOM MORTGAGE CORPORATION Date of Deed of Trust: December 13, 2012 County of Recording: El Paso Recording Date of Deed of Trust: December 26, 2012 Recording Information (Reception No. and/or Book/Page No.): 212153659 Original Principal Amount: $220,900.00 Outstanding Principal Balance: $205,447.12 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1, THE KNOLLS AT SPRINGS RANCH FILING NO. 3, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4160 PONY TRACKS 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, 05/17/2017, 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: 3/24/2017 Last Publication: 4/21/2017 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: 01/18/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013378 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. EPC201600476 To: Record Owner of the property as of the recording of the Notice of Election and Demand or other person entitled. You are advised that there are overbid funds due you. This Notice is given with regard to the following described Deed of Trust and Notice of Election and Demand: Name of Record Owner as evidenced on the Notice of Election and Demand or other person entitled: Brent L Drumm Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest: 1602 East Platte Avenue, Colorado Springs, CO 80909—5621 Recording Date of Deed of Trust: October 03, 2011 Recording Information: 211095935 Recording Date of Notice of Election and Demand: April 15, 2016 Recording Information of Notice of Election and Demand: 216038364 Legal Description of Property THE WEST 55 FEET OF LOTS 7 AND 8, BLOCK 59, EAST END ADDITION TO THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK E AT PAGE 26 IN THE OFFICE OF THE COUNTY CLERK AND RECORDER OF EL PASO COUNTY, COLORADO, COUNTY OF EL PASO, STATE OF COLORADO. Street Address of Property 1602 East Platte Avenue, Colorado Springs, CO 80909 NOTICE OF UNCLAIMED OVERBID FUNDS I sold at public auction, at 10:00 on 11/16/16, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within five years from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part of the “Unclaimed Property Act”, pursuant to Colorado law. First Publication: 2/24/17 Last Publication: 3/24/17 Name of Publication: Colorado Springs Business Journal Date: 2/1/17 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee ©Public Trustees’ Association of Colorado Revised 9/2012

NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. EPC201501381 To: Record Owner of the property as of the recording of the Notice of Election and Demand or other person entitled. You are advised that there are overbid funds due you. This Notice is given with regard to the following described Deed of Trust and Notice of Election and Demand: Name of Record Owner as evidenced on the Notice of Election and Demand or other person entitled: Melody J Holm Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest: 2833 Hearthwood Lane, Colorado Springs, CO 80917—3473 Recording Date of Deed of Trust: February 08, 2006 Recording Information: 206020063 Recording Date of Notice of Election and Demand: December 09, 2015 Recording Information of Notice of Election and Demand: 215132051 Legal Description of Property LOT 115, HEARTHWOOD SUBDIVISION FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO Street Address of Property 2833 Hearthwood Lane, Colorado Springs, CO 80917 NOTICE OF UNCLAIMED OVERBID FUNDS I sold at public auction, at 10:00 on 12/14/16, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within six months from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part of the “Unclaimed Property Act”, pursuant to Colorado law. Date: 3/2/17 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee ©Public Trustees’ Association of Colorado Revised 9/2012

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36 March 24 - March 30, 2017

Colorado Springs Business Journal

The Natural Pairing of Two Exhilarating Environments.

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