Colorado Springs Business Journal July 21, 2017 by Colorado Springs Business Journal

HAZLEHURST: LART TAX-FUNDED VENTURE CAPITAL? 3 ONE-ON-ONE

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VOLUME 28, NUMBER 16 | July 21 - July 27, 2017 | $2.00

RAIL RALLY Like a locomotive slowly building speed, interest in passenger railroad service with a Pueblo stop is beginning to gain momentum. A commission is currently in place to explore the feasibility (and economic impact) of adding Steel City Amtrak service.

Pueblo Business News Photo by Ashleigh Hollowell

Tipping the balance By Helen Robinson

ost intellectual property isn’t stolen — it’s given away, according to attorney Michael Martensen. Many people think their business has no intellectual property, he said. Others know they have IP, but they fail to protect it adequately, or accidentally reveal it to others before it’s protected. Intellectual property mistakes are “bet-the-company costly,” and businesses need to work harder to protect their rights, Martensen said at the Innovation Without Protection is Philanthropy seminar July 11. “All companies have intellectual property and the intellectual property helps define their competitive advantage,” Martensen said. Protecting that competitive advantage is “incredibly important,” because the vast majority of a company’s value lies in its intellectual property.

INSIDE

Employee-owned businesses.................4 Sweet: Middle Market Entrepreneurs ...5 Young Pro: Yemi Mobolade ....................9 People on the Move...............................12 On the Horizon .......................................13 Small Biz: 3 Sisters (left)......................19 Other Voices.....................................26-27

EDITORIAL: 2018 SENIOR OPEN PUTS CITY IN SPOTLIGHT

56525 10751

Retailers continue to innovate in order to compete with internet shoppers and other savvy businesses.

Intellectual property mistakes could sink naive businesses

Martensen, a patent attorney and founder at the Springs-based law fi rm Martensen IP and a former Air Force fighter pilot, said intellectual property protection fits the “parachute analogy.” “From a pilot’s perspective, if you need a parachute and you don’t have one, you’ll never need it again,” he said. “Intellectual property is very similar to that. If you lose your IP, if you lose a trade secret, or you forget to file a patent because you just don’t have the time or money, you can’t turn back the clock. It’s done.” Typically the barrier is that “cash is king,” Martensen said. Business owners see it as a choice between paying their employees and their rent, or securing their intellectual property — “I can either pay my employees or I can invest in my future.” But it’s a mistake where the costs can sink a company. Martensen described patent litigation as “the king of litigation,” with the average case running $1.5 million

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to $2 million in legal fees (not damages) and taking at least two to three years, adding companies with foresight look at what they plan to do with their intellectual property at least five years down the track, and consider how they’ll need to protect it going forward. “That’s often the difference between a growing and emerging company — one that’s continually innovative — and one that’s going to be around for a while and they’re never going to expand and go forward,” he said. The seminar, part of the Intellectual Property Series for Aerospace and Defense, hosted by Southern Colorado Technology Alliance, aimed to “give the basics of intellectual property and some train wrecks to show how bad this can get,” while addressing issues with both commercial IP and government contracts, Martensen said. See Patents page 25

2 July 21 - July 27, 2017

Colorado Springs Business Journal

CSBJ.com Poll

CSBJ OPINION

Senior Open brings big stage here The issue: Can Colorado Springs and The Broadmoor take advantage of another opportunity to enhance our national image? What we think: Hosting the U.S. Senior Open golf tournament in 2018 plays to the strengths of the famous resort and the city. Tell us what you think: Send us an email at editorial@csbj.com.

ot many events deserve a promotional launch 49 weeks in advance. But the 2018 U.S. Senior Open, coming to The Broadmoor next June 25-July 1, definitely warrants such attention — and advance preparation. The world’s most significant golf tournament for men 50 and older first visited The Broadmoor Golf Club in 2008, and the picturesque setting that weekend of the 18th hole was memorable enough that you can see it now on the championship’s internet homepage, 2018ussenioropen.com. The event produced an economic impact of more than $21 million for Colorado Springs — and that was a decade ago, on the threshold of recession. This time, with the city and region riding a wave of positive momentum and growth, the Senior Open should leave that number in the dust. But it’s not just about the business impact, FOX’s global TV coverage and assorted other media describing the scene here. Moments such as this, bringing one of a major sport’s top events to our doorstep, give the host city and venue a rare chance to tell our story and convince a very large audience how extraordinary Colorado Springs and The Broadmoor truly are. The launch Tuesday provided just the first taste. Timing is everything, and the second round of that Senior Open on Friday, June 29, 2018, will be The

Broadmoor’s 100th birthday, with the entire week (practice rounds start literally the day after the next Broadmoor Pikes Peak International Hill Climb) as the climax of the famed resort’s centennial celebration. That means reliving a century of sports history, from Olympic figure skating champion Peggy Fleming and the old Broadmoor Ice Palace to international hockey (the 1980 Miracle on Ice team was chosen here), hill climbs with the legendary Unser family and other golf tournaments here such as Jack Nicklaus winning the 1959 U.S. Amateur. Hopefully the Senior Open organizers also can find old footage from the defunct Broadmoor Men’s Invitation (1921-1995), which peaked in the 1970s and ’80s with many players now in the senior age group, from Hale Irwin to Fred Couples, Mark O’Meara and Corey Pavin. No other mid-size American city can claim that kind of sports history, and, with the U.S. Olympic Museum and Hall of Fame taking shape and The Broadmoor worthy of hosting more major golf championships, it’s not just in the past. Mayor John Suthers drove the point home, calling the Senior Open “a huge economic driver” and telling about meeting International Olympic Committee president Thomas Bach at a torch-lighting in Greece. Suthers asked if Bach had been to Colorado Springs and he simply said, “Ah yes, The Broadmoor!” But success in hosting a Senior Open isn’t measured in just history or dollars invested. As one official said Tuesday, it’s more than having a great golf course. It’s about a city that embraces the event. The organizers already have more than 1,500 volunteers committed, hoping for about 800 more. And the city, led by Suthers, is totally on board, with the recent new paving of Lake Avenue as one early signal. We’ll be hearing much more about the 2018 Senior Open over the next 49 weeks. And when it arrives, we’ll see whether Colorado Springs can make the most of its latest shot on the national stage. CSBJ n

Would you support an increase to the state gas tax to fund transportation projects?

Yes, an increase to the gas tax would be better than a sales tax hike.

54%

No. The rate is high enough. Low taxes is one reason I live here.

36%

Maybe, but as cars become more efficient, taxes (and roads) may suffer.

10%

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

Which candidate do you support in the House of Representatives race next year? See past results at csbj.com/democracy-archives

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Colorado Springs Business Journal

July 21 - July 27, 2017

OPINION: HAZLEHURST

LART investments: Coherent or chaotic?

our decades ago, long before Douglas Bruce and the Taxpayer’s Bill of Rights, the Colorado Springs City Council approved a 2 percent tax on hotel rooms and a 1 percent tax on car rentals. The proceeds of the Lodgers and Automobile Rental Tax were to be used to “attract visitors and enhance the economy of the city and the Pikes Peak region.” HAZLEHURST In other words, it’s a municipal venture capital fund, with a mandate so broad that it’s hard to think of a project or event that wouldn’t qualify for funding. The original push for the tax came from the local visitor industry, whose leaders believed that Colorado Springs couldn’t compete with rival visitor destinations without some form of recurrent public funding. Many of them had such taxes, with some percentage of the proceeds used to fund destination marketing organizations such as the Convention & Visitors Bureau. Given the historic importance of the visitor industry and the fact that the tax was almost entirely visitor-funded, the proposal met with little resistance. Its structure and purpose haven’t changed much since it was fi rst created — and neither have many of the funding recipients. Approximately two-thirds of annual LART collections are transferred to the CVB under the terms of a contract with the city that is periodically renewed and updated. In 2015, the city entered into a threeyear contract with the CVB, which will expire at the end of 2017.

John

The fund is overseen by city council. An appointed nine-member committee forwards funding recommendations to council. The 2018 recipients will be announced Aug. 22. The LART committee includes local luminaries Kathleen Fox Collins, Jack Damioli, Laurel Prud’homme and Fred Veitch, as well as city councilors Tom Strand and Jill Gaebler. Broadmoor President/CEO Damioli may seem a little out of place here, but it makes sense when you consider that The Broadmoor’s guests are, by far, the largest contributors to the LART fund. It’s interesting to compare the 2017 LART budget with 1997’s. Like 2017, 1997 was a prosperous year when the economy was strong and residents were cheerfully optimistic. In 1997, LART collections amounted to $4.03 million, but $420,000 had to be refunded to the voters, thanks to TABOR. That left $3.6 million, with $2.2 million going to the CVB and $1.4 million to the city. After the CVB, the Broadmoor World Arena was the biggest individual recipient, getting $500,000. Another $588,000 was transferred to the general fund for tourist-related expenses, including park maintenance and “public safety and other support services for various annual events.” Substantial funding was directed to the Fine Arts Center ($78,000), the Summer Symphony ($108,000), the Pikes Peak Highway ($30,000) and the Cheyenne Mountain Zoo ($80,000).

Twenty years later, the fund brought in $5.5 million, with $3.7 million going to the CVB and $1.8 million distributed to dozens of tourism, community and legacy events. Scooping up $250,000, the Colorado Classic oneday bike race was the biggest hog at the trough, followed by the promoters of golf’s 2018 Senior Open ($165,000), the Philharmonic’s summer symphony ($142,000), the Labor Day Liftoff hot air balloon event ($122,000), the Triple Crown Sports youth baseball event ($75,000) and the Fine Arts Center ($50,000). One substantial capital improvement project was funded — $250,000 for the proposed new Pikes Peak Summit Complex. Is there some coherent investment philosophy behind this chaotic grab-bag? That’s not at all clear. “Maintaining legacy events has always been part of it,” Gaebler said. “We’re a General Palmer kind of city. But council needs to develop its own measurements and guidelines and give formal direction to the LART Committee, rather than letting the committee decide on its own.” Denver levies a 10.75 percent lodging tax and a 7.25 percent short-term auto rental tax, far higher than the 2 percent and 1 percent in Colorado Springs. Voters might consent to raise our rate, but backers should commission a review of present practices. Also, let’s remember one thing: Our conservative voters don’t much like taxes — even ones they don’t have to pay. CSBJ

It’s a municipal venture capital fund with a broad mandate.

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4 July 21 - July 27, 2017

Colorado Springs Business Journal

Employee-owned is alternate route to success ESOPs in the U.S. E the employee-owned grocery on Academy Boulevard. “I wanted the people of Colorado Springs to know mployee-owned businesses are still a rarity I support employee-owned businesses, and that it’ll these days — with fewer than 200 in the work not just for technology companies and breweries state of Colorado — but they’re attracting but also a grocery store,” Polis said. more attention. Joining Polis that day was Halisi Vinson, executive diU.S. Rep. Jared Polis drew focus to a local store when rector of Rocky Mountain Employee Ownership Center. Currently, there are 6,717 ESOPs coveringHis more than 14 “It’s million interesting participants. ESOP to companies are diverse: there are ESOPs in he officially announced his candidacy for governor. me that employee-owned busialmost every industry, ranging in company size from just a few employees to more than 250,000, spread throughout the U.S. campaign stop in Colorado Springs was at Save-A-Lot, nesses aren’t a lot more prevalent,” Vinson said. “For By Bob Stephens

Geography of ESOPs

Number of Participants 10%

301–1,000

10%

36%

1,000+

Up to 50

21%

51–100

23%

101–300

Most Common Industries Manufacturing

Engineering

Construction

Banking

most entrepreneurs, it goes against the grain of the top-down management style we’ve all been taught. But employee-owned businesses have about 25 percent more job growth than traditional models.” Colorado’s Legislature passed House Bill 1214 in the spring, encouraging more employee-owned small businesses. “It’s important to help workers share in the success of small businesses,” said Polis, who advocates for similar legislation at the national level. The law requires the state office of economic development to create a revolving loan program to assist transitions of existing businesses to employee-owned businesses. The RMEOC helped educate the economic development staff. “We helped craft that legislation with District 7 Rep. [James] Coleman [of Denver],” Vinson said. “This is extremely important because of how many businesses are owned by Baby Boomers. We call it the ‘Silver Tsunami’ since Boomers have about $12 trillion in assets that will be for sale in the next decade or so, about $24 billion of that in Colorado.” She said 51 percent of small businesses will close in the next 11 years. “We really cannot afford for that to happen,” Vinson said. “Employee ownership can avoid that problem.” Businesses with employee stock ownership plans are spread throughout the United States. There are 6,717 ESOPs covering 14.1 million participants — although 57 percent of them are for businesses with fewer than 100 employees. There are different models, but most businesses provide stocks to the employee-owners. As the company prospers, stock typically gains value and everyone benefits. See Vested page 16

Source: National Center for Employee Ownership

A Brief History of Employee Ownership Year Event # of ESOPs Participants

1956

1974

Peninsula Newspapers establishes first ESOP. 1 ESOP

1996

2017

Federal government creates statutory framework for ESOPs.

Congress passes legislation allowing ESOPs to own S corporations.

Today, there are roughly 14.1 million ESOP participants.

200 ESOPs

6,680 ESOPs

6,717 ESOPs

250,000

6.3 million

14.1 million

Delivering successful projects since 1983

Under 200

The National Center for Employee Ownership • web: www.nceo.org and www.esopinfo.org • email: outreach@nceo.org

Commercial

Healthcare

Higher Education

Municipal

PK-12 Education

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Colorado Springs Business Journal

OPINION: SWEET

MME plans series

xploring regional business concerns, learning how to raise personal and business capital and discovering the role philanthropy plays in business — all are topics that S W E E T will be discussed at programs presented by the Middle Market Entrepreneurs during the coming fall, winter and spring months. Among other activities, MME hosts this annual series of panel discussions that covers a broad range of business challenges, and offers suggestions for effective solutions. But MME members can also take advantage of professional development, business coaching, networking, executive coaching and business growth strategy assistance gained from the experience of other business owners in the organization. The 2017-18 speakers series kicks off Sept. 12 and will run every other month through May. Geared toward business owners and executives, MME isn’t for marketers or salespeople. It’s not a leads group. Instead, its goal is to educate, inform and help grow businesses in Colorado Springs. It’s for senior managers, owners and executives who want strategies to help them succeed — and engage with the community. MME’s vision is one reason the Colorado Springs Business Journal has long been a sponsor of the organization. Its mission “to provide an engaging educational forum for business owners and senior executives in small to medium size organizations” fits handin-glove with the CSBJ’s goal to provide timely, accurate, objective, useful news to local businesses — to engage the business community so that when they become a supporter of the Business Journal, they know they will receive the kind of news that helps their business grow and prosper. The CSBJ is a legacy sponsor of the organization, and as such has been involved with the group since its earliest days. Supporting local business organizations is something we believe in — and we want to work closely with organizations that have a clear goal to develop a robust economic climate in Colorado Springs. Creating growth and spurring innovation helps the entire community grow into a world-class city. Harry Salzman, longtime local Realtor and member of the MME board of directors, says the group sought inspiration from the Wall Street Journal, which put on a weekend of programs on MME topics for businesses in New York City. “While their middle-market is far bigger than ours,” Salzman said, “we were surprised to find that their companies — very large companies with profits that start in the millions — were facing the same issues we are all having in the

Amy G.

middle-market in the Springs, where profits aren’t nearly that big.” So the group decided to use those topics in this year’s program series. Each topic brings in three panelists to share their expertise over breakfast at the El Paso Club. They get started early — networking begins at 6:30 a.m., but the members like it that way, Salzman says. “We’re all busy, so it helps to have it at breakfast and start the day with important lessons,” Salzman explains. “So we work hard to keep it on time, but also to make sure the topics are pertinent to business.” Between 30 and 40 people attend the breakfast meetings. It costs $40 to attend the group’s programs, but Salzman believes it’s worth it. “We want to be very aggressive about what we’re doing with the group and the information we’re providing,” he said. “We’re working to keep it new and interesting with every cycle. That’s what keeps people engaged.” The draft event calendar for 2017-18 looks like this: • Friday, Sept. 15 — Regional Leaders Forum Titled “Opportunities and Challenges for the Area,” this meeting will feature a panel discussion by community leaders about important issues and concerns for area businesses, plus effective strategies for handling diversity of thought in a politically charged environment. • Friday, Nov. 10 — Personal and Business Capital Lending experts discuss innovative solutions for funding both personal and professional capital needs. • Friday, Jan. 19 — Meeting Workforce Needs Local experts talk about creative strategies to address challenges of recruiting, developing and retaining talented employees and executives. • Friday, March 16 — Philanthropy at Work Why should business owners get involved with philanthropy? This discussion will help business leaders implement philanthropic goals. • Friday, May 18 — Staying Relevant Area business owners will discuss how to streamline and diversify service and product lines in a constantly evolving business climate. For more information, go to mmecos.org. CSBJ n

If you go: Middle Market Entrepreneurs 6:30 a.m. Second Friday, every other month from September-May El Paso Club, 30 E. Platte Ave. Mmecos.org for information and registration

July 21 - July 27, 2017

6 July 21 - July 27, 2017

Colorado Springs Business Journal

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

MARY FAGNANT

Aug. 7 Qualtek CEO Mary Fagnant talks about what it’s like to be a woman in a maledominated field, how she succeeds in business and what the manufacturing landscape looks like. She’ll have the company’s new CEO, Troy Roberts to talk about the company’s future vision.

SCOTT BLACKMUN

Aug. 24 Scott Blackmun, CEO of the United States Olympic Committee, will share his thoughts on leadership, lessons learned overseeing the USOC and the importance of the Olympic movement on an international stage — and how the USOC brings the national spotlight to Colorado Springs.

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

Photo by Helen Robinson

From left: Fred D. Taylor Jr. and Ric VanderMeulen of ViaSat and Justin Brandenburg of MapR Technologies work on the #AFSpaceSA sprint at Catalyst Campus.

CyberWorx sprints have proven value

By Helen Robinson

important to get after agility” is critical to the success of CyberWorx sprints. At the Initial Operating Capability event in March, Gen. Jay Raymond encouraged CyberWorx to “be willing to fail … being risk-averse will crush the creativity necessary for this organization to succeed.” CyberWorx has run six sprints and design projects so far. Collins and Lt. Col. Mike Chiaramonte of CyberWorx gave the Business Journal a state-ofplay update on each one.

cross almost a year of the Air Force Academy’s CyberWorx sprints, design thinking has “proven its value” as a problem-solving technique for the Air Force, said director Col. Jeffrey Collins. Since sprints started last August, each has brought unexpected outcomes, novel solutions and positive feedback from Air Force leaders. “The outcomes of the sprints have been surprising in every case … so that gives us great hope that this is a great 21ST CYBER CENTURY way of getting industry insight into how we can solve our problems, and then TRAINING MODEL figuring out how we can move forward Air Force Space Command Air based on that insight,” Collins said. Education Training Command sought In partnership with the Center ways to improve learning outcomes and for Technology, Research and throughput for initial skills training at Commercialization at Catalyst Campus, Keesler Air Force Base, home to founCyberWorx design sprints bring military dational training schools for Air Force members, industry cyber careers. professionals and About 35 peoacademic leaders ple worked on the together in one sprint, which proroom, where they duced five recomuse design thinkmendations to the ing to come up with Air Force, as well as quick and creative a commercial prodsolutions to cyber uct based on the problems. sprint discussions The sprints gath— a next-genera— Col. Jeffrey Collins er experts from tion cyber trainfields as diverse as ing platform called archeology, animaCyber Mission Force One, by Springstion, gaming, anthropology, autonobased Rim Technologies. Another outmous vehicles, marketing, data anacome: Keesler began running one class lytics, virtual reality and social science differently, and as a result students beresearch. gan graduating up to nine days faster, “The cognitive diversity we build in and with better performance outcomes. the teams is really important to get “Nine days is a lot of money, especially those surprising answers, because you when you’re talking about what ostensibring in people that don’t share our bly is thousands of people going through perspective and then you learn from the school,” Chiaramonte said. them,” Collins said. Unlike most of the military, CYBER RISK ECOSYSTEM CyberWorx runs with the philosophy that risk-taking and failure are not only This cadet class addressed the chalOK, but essential. lenge of making highly technical risk Collins said the willingness of information from cyber technology easy high-level leadership “to continue to to understand for commanders with no accept that moving forward rapidly — See Sprint page 11 even if it means that you may fail — is

“The cognitive diversity we build in the teams is really important to get those surprising answers.”

Colorado Springs Business Journal

July 21 - July 27, 2017

ONE-ON-ONE

Grazier aims to spread good will E By Helen Robinson

veryone thinks they know Discover Goodwill. But here’s what Karla Grazier wants people to know: It’s so much more than a store. “My wish would be that when people take a tour of Goodwill, they don’t say the following: ‘I had no idea ...’” said Grazier, who has been president and CEO of Discover Goodwill of Southern and Western Colorado since 2010. “I wish people knew about the impact we have on people gaining independence through the power of work; people gaining independence by learning life skills, helping seniors stay in their homes and remain independent — all of that, I wish they knew. And what they know is a store. I would be so delighted if I at least move that needle a little bit.” Last year Discover Goodwill of Southern and Western Colorado provided an array of independence-building services for more than 80,000 people throughout 38 counties, and generated more than $200 million in economic impact. This month, Grazier also was appointed chair of the board of directors for Discover Goodwill International. She talked with the Business Journal about her path to Colorado, the challenges facing Discover Goodwill and her passion for helping people.

What led you here? I grew up in Indiana with my parents and three sisters. One of the big things that I thank my parents for is the fact that they really instilled a lifelong love of learning which became very important throughout my life. I went to undergrad at Notre Dame the fi rst year they took women, then grad school at Indiana University, got an MBA, and then left for San Francisco and eventually New York City, to be a banker. ... I was a banker for only about five years, and then the entrepreneurial bug bit me and I started a [snack food manufacturing] company and eventually took it public. I spent the next 20 years starting, building, buying companies. ... My husband and I moved here to buy a company, grew that, incubated another company, sold both of those and retired … for about 10 years. When we sold those companies our daughter was 4, so it was a great time to really be a mom. As she got older ... I knew I wanted to use my brain again. I’d been on the board of Goodwill Industries here for 12 years, and when there was a change in management the board asked me to apply. ... I tell you, it’s the best job I’ve ever had in my life. What do you expect as chairwoman of the board? We’re an almost $59 million company with 1,500 employees so it’s a big organization, and I want to make sure we keep having the impact we need to have. … One of our big endeavors this year will be to help adapt to the changing way people shop — so more online shopping. … It is also very important to me, with 165 [Goodwills] in the United States and Canada, to make sure the board is listening to all these different voices and is as helpful as possible. What do you love best about your work? It’s how we have fulfilled our mission here. Our mission is about helping people achieve their highest level of personal and economic independence. Most people think of us as an organization that helps people with disabilities, but actually the largest population we serve are those with barriers to employment and economic disadvantages. For example, last year we placed 9,731 people into jobs. Helping people achieve independence and knowing they’re moving off public assistance to greater self-esteem and economic independence, that gives me great joy. The other side is the people here — how we help our own employees thrive and grow in their careers. What challenges are facing Discover Goodwill? I think the greatest challenge we have … is the exponential speed of change in our world. Part of our enterprise is our retail operations, about a third is our contracts where we employ people with disabilities, and then a third is the programs and services we provide. We embed our mission in all of that. [The challenges are] changes in the way people shop, paradigm shifts in how we serve people and the challenge of less government funding because of changes in leadership … mostly at the federal level. ... We talk a lot about becoming more agile and more innovative to meet those challenges. What should people know about you? Goodwill and the people it serves are my passion. ... I hope the community will understand that all nonprofit leaders — in fact all community leaders and all business leaders — really have a passion to help people and want to see this community grow. ... I’m just so proud of this community and how it’s been transformed. CSBJ

KARLA GRAZIER Goodwill and the people it serves are my passion.”

Photo by Helen Robinson

8 July 21 - July 27, 2017

Colorado Springs Business Journal

Retail sales have a whole new look S By Bob Stephens

andra Bullock’s character in the 1995 movie “The Net” rarely left the house during her daily routine. The computer programmer worked at home and even preferred to order her pizza online. Bullock’s movie persona was far from mainstream back then, but today her character’s choices are quite common as virtually anything can be purchased online. Many consumers have drastically changed their shopping habits — even groceries can be bought

online and either picked up at the store or delivered to one’s doorstep. Amazon.com was a game-changer in retail, as the e-commerce company expanded from a book-selling operation out of a Seattle garage into the online behemoth that can deliver just about everything from AA rechargeable batteries to a zucchini spiralizer. And nearly anything you buy can be on your porch in two days. “Online retailers have certainly changed shopping and the ways in which Americans conceive of find-

ing what they need,” Kristina Lybecker, an assistant professor in the economics and business department at Colorado College, wrote in an email. “Much of this stems from the simplicity and efficiency of using online searches. I can consider six, 17 or 319 products in a matter of moments, focusing on what I want and narrowing my search very quickly.” Amazon’s success has weakened sales for many local and national retailers, and helped lead to store closures across the country by such prominent companies as Sears and Macy’s. “Online retailers are able to operate at a scale that lowers prices,” Lybecker said. “Since they can deal in such large volume, they can offer significantly lower prices. “Finally, online retailers offer undeniable convenience and speed. I can find, order, wrap and send a birthday gift to my sister in a matter of clicks. I can order the replacement printer cartridges that I need and have them delivered tomorrow. These benefits save time and money and have largely driven the popularity of online shopping.”

BATTLE BETWEEN BRICKS AND CLICKS Walmart, the unquestioned leader among brickand-mortar retailers, has responded by spending more than $4 billion to buy several e-commerce companies, including Jet.com 11 months ago. Other companies are expanding and promoting online shopping more than ever to combat Amazon’s success. That resulted in web sales jumping to $394.86 billion in the United States in 2016 — an increase BETTER CARE. YOUR FINGERTIPS. ofAT 15.6 percent or $53.1 billion, according to Digital Commerce 360. About 66 percent of that growth came from Amazon.

We’re in the palm of your hand.

Photo by Bob Stephens

King Soopers employees Dammond Smith, left, and Corey Kohlgraf load groceries for ClickList customers who ordered online.

See Retail page 28

BETTER CARE. AT YOUR FINGERTIPS.

Because you’re on the go, Kaiser Permanente makes accessing care and your medical information easy. Via our mobile app, members can book appointments, order prescription refills, view their medical records, message their doctor, and more when you receive care at our Kaiser Permanente medical offices. Get care that goes where you go. Because you’re on the go, Kaiser Permanente makes accessing care and your medical information easy. Via our mobile app, members can book appointments, Kaiser Permanente. order prescription refills, view their medical records, message their doctor,Choice. and more when you receive Care. Coverage. Convenience. care at our Kaiser Permanente medical offices. Get care that goes where you go.

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Kaiser Permanente Mayors Panel

Kaiser Permanente. Care. Coverage. Choice. Convenience.

kp.org/choosebetter 60565211_17_CSBJAds_round1_SoCO_x1.indd 2

5/12/17 11:43

Colorado Springs Business Journal

July 21 - July 27, 2017

YOUNG PROFESSIONAL

Mobolade’s personal mission now his profession

Photo by Ashleigh Hollowell

By Ashleigh Hollowell

s co-owner of the Wild Goose Meeting House and soon-to-open Good Neighbors Meeting House, Yemi Mobolade’s mission has always been to bring the community together. However, he didn’t stop at creating two meeting places for locals. Mobolade started July 10 as the new local industries manager at the Colorado Springs Chamber & EDC, where relationship-building will be key in his new position. “I have a personal mission statement that says, ‘I collaborate for the health, growth and prosperity of my city,’ and I do that through collaborative relationships, launching new ideas and bringing people together,” Mobolade said. “That has been my personal mission statement for the last three years, and now I’m in a role where that is exactly what I’m going to be doing.” Mobolade will oversee the health, growth and retention rates within the local business community and facilitate development opportunities. His goal is to be the glue for people who maybe never would have met, and create collaborative relationships across sectors to better the city. “What I’m most excited about is, ultimately I want to make a positive impact on our business climate and be an advocate for key businesses,” he said. “If they are well, our community benefits. I’m looking forward to those relationships I haven’t discovered yet.” How are you feeling so far in your new position? There’s a lot to learn and for someone like me, it’s

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hard because I just want to jump in and begin. The nice thing is, I entered this job with many relationships already established and with a reputation I feel I’m not worthy of, so I feel lucky. It’s new; it’s good. I can’t speak enough of the culture at the chamber and the people who work there. They’re leaders, friends of mine, so I’m working for friends. I trust them, I believe in their vision. They’re wired like I am, so I get them and they get me. We’re working for the same goals and same purpose. What gets me up in the morning is collaborative relationships, future possibilities and positive impact. Do you think your background as a business owner has prepared you for this job? Everything I’ve done up to this point I am convinced has led me to this moment and beyond. I didn’t know it. I didn’t see it. But as time goes on, you begin to learn about who you are and what you’re good at, where you need to be and what your calling is. When I look back, I can see that the diversity of my experience has brought me to this point. I’m a business owner, and I understand what it’s like to look at those numbers. I understand what it’s like to work in a company. ... But now I’m also thinking from a city’s perspective. What do you look for in professional relationships? I would say collaborative relationships and collective impact. I compare them to a dating relationship that

leads to marriage. I think, if we’re going to be working long-term ... [we have to] make sure there’s a synergy and connection and to take time to learn about the other person. It can’t be forced. How are you balancing all your responsibilities? Sometimes people look at my life and they go, “I think about all the things you do, and I’m tired for you.” My bandwidth is pretty big, but the true answer is, when people say, “How do you do it?” I say, “I don’t do it. We do it.” That is hugely important. My No. 1 skill is leveraging people. I think people are hungry to be part of something big; they are hungry for an opportunity and just never take the time to capitalize on it. Am I at every business development meeting? No. I invest in the core ones so I can leverage more because of my ability to do collaborative relationships. I don’t do it; we do it. If I did it, I would be burnt out. What advice would you give other young professionals who are also involved and busy? I would say have a “we” mentality — work with others. We were never created to have all the answers or to do it alone. Projects are most enjoyable when working with others. Take the time to get to know people and be patient with the process. Don’t be too in a hurry to launch ideas without the right people around you. That tends to happen — ideas come and go all the time, but we want sustaining projects and ideas that have a long-term impact. CSBJ n

Rico Ocasio, MBA (2016) Cybersecurity Specialist US Army Major, Retired

10 July 21 - July 27, 2017

Colorado Springs Business Journal

BY THE NUMBERS: MARIJUANA

Information provided by the UCCS Economic Forum

The economic impact of marijuana legalization in Colorado Tatiana

Further complicating things is the subjective aspect of any kind of drug use. Most people have pre-set ideas about whether marijuana should be legal or not, which makes objective analysis that much more difficult. Having said all this, there is now a reliable and objective source of economic impact information for Colorado, and there is some emerging consistency in the health data. Perhaps the best U.S. study on economic impact is by the Marijuana Policy Group, a Denver-based think tank. Its 2016 study is a rigorous analysis of the cannabis industry from a strictly economic point of view. I will start by summarizing the MPG study in this article, which will comprise the largest part of this series, and then move on to the health and safety impacts in subsequent articles. Keep in mind, however, that the legal recreational cannabis industry is in its infancy, and more robust data should emerge in coming years. To start, it is important to point out that until October 2014, marijuana licensees in Colorado were required to be vertically integrated, meaning they had to internally cultivate, process and sell their product. This means that virtually all direct jobs and financial gains stayed within the state. Although the requirement is no longer in place, many existing marijuana businesses remain vertically integrated. For this reason, the economic impact within Colorado has been especially strong. Add to this the finding that cannabis-related tourism numbers have been higher than expected. As Figure 1 shows, only federal government dollars have more economic impact than marijuana retailing and manufacturing. Federal government dollars have such a high economic multiplier because all funds that are coming from outside the state are infused into state programs. The high marijuana industry multiplier significantly inflates the overall impact when you consider that in 2015, total sales were at almost $1 billion with 59 percent of sales attrib-

Figure 1. Economic Impact for Each Dollar Spent Major Colorado Industries Federal Government

$2.42

Marijuana Retail

$2.40 $2.34

Marijuana Manufac

$2.25

Business Services

$2.13

Marijuana Cul8va8on

$1.94

General Manufac

$1.88

Retail Trade (excl alcohol)

$1.79

Mining Ac8vi8es

$1.73

Casinos $-

$0.50

$1.00

$1.50

$2.00

$2.50

$3.00

Figure 2. Marijuana Sales, 2014, 2015, (Projected) 2020 State of Colorado $1.52 Total Sales, $ Millions

n many of the economic and health care presentations I do, I am asked about the impacts of the legalization of recreational marijuana in Colorado. I tiptoe around the topic — not only beB A I L E Y cause it is politically and emotionally charged, but also because there is a sea of conflicting information. The inconsistencies are mostly because of the simple fact that marijuana has been illegal in most states up until relatively recently. By definition, a black market is difficult to measure, so baseline information is dubious. In terms of dollars generated, many previous studies have over-estimated economic impact because they have assumed all associated revenue is new dollars, when in fact, many of those “new” dollars are shifted dollars from the black market to the legal market. Conversely, many studies have underestimated economic impact because they have used existing industry codes, like the “retail” industry, with a typically lower economic multiplier. This is the first article in a Business Journal series that will focus on the cannabis industry in Colorado, and will attempt to encapsulate not only the economic impact data, but also some of the emerging data on health and safety impacts. A fair assessment of legalization should look at the whole picture — incorporating not only the financial gains, but also the costs associated with health and safety, which also have methodological issues. As with the economic impact, the previous illegality of recreational marijuana has clouded the study on health outcomes. Many past studies have analyzed existing users, who may have other characteristics that cause (possibly negative) health-related outcomes. In other words, teasing out the short- and long-term health impacts of marijuana use in isolation is difficult due to a selection bias.

$1,600 $1,400 $1,200 $1,000 $800 $600 $400 $200 $-

Billion

$996 Million

$699 Million 44.8%

59.0%

55.2%

41.0%

2014

2015

Source: Marijuana Policy Group, 2016

Medical

utable to recreational (non-medical) marijuana. Undoubtedly, when 2016 data is released, sales numbers will be higher as MPG has projected sales will increase about 16 percent per year and will be at almost $1.6 billion by 2020 (with roughly a 2-3 percent growth rate thereafter). Figure 2 shows the large increase in sales between the first and second years of legalization, as well as the projected sales for 2020. It is important to note that industry sales grew by 42.4 percent from 2014 to 2015, and that 36.2 percent of that growth is due to a reduction in the black market. Because of this large shift to the legal market, and the inherent growth in

2020

Retail

new demand, it is not surprising that by the second year of legalization, the cannabis industry surpassed other large industries, such as the performing arts and sports venues, and multiunit residential construction (among many others). In the next article, cannabis-related new jobs and tax revenues will be discussed, and then subsequent articles will touch upon some the health and safety data. Tatiana Bailey is executive director of the UCCS Southern Colorado Economic Forum. To receive the monthly four-page dashboard as an Economic Forum sponsor, contact her at tbailey6@uccs.edu or 719-255-3661.

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Colorado Springs Business Journal

July 21 - July 27, 2017

Sprint: Risk-taking and failure essential to success FUNCTIONAL MISSION ANALYSIS

From page 6

cyber background. After visiting a number of Air Force bases for research, they conceptualized a “cyber risk ecosystem” for presenting the information. Of the seven industry partners that participated, three — Boecore, LinQuest and MTSI — merged intellectual property they owned individually in various market sectors, to creatively solve the problem. “They’re carrying that forward,” Chiaramonte said. “So right now they’re working on building a proof of concept that we can go demonstrate down in 24th Air Force and hopefully give the warfighters.”

AIR FORCE CYBER C2 Cadets and industry participants focused on how the Air Force should command and control cyberspace forces. “The command-and-control policy was a little bit dated, and of course cyber’s been changing so much it really didn’t align with what’s going on,” Chiaramonte said. After visiting five Air Force bases to learn what was and wasn’t working, the teams created a conceptual design for a new command-and-control structure. “They out-briefed that design to a team of policy writers from the Pentagon 24th and 25th Air Force who then spent three days on-site, drafting the first draft of what the policy would be. They then backbriefed the cadets and said, ‘Of your recommendations, these were the ones that changed what we’re going to do’ ... and that policy is going through the Air Force corporate process.” Collins added the immediate feedback was “exactly what you want” in project-based learning. “Sprinters ... want to know that what they’re spending their time doing is actually going to make a difference,” he said, “because that makes the depth of learning just that much better.”

The challenge: How to work out which cyber elements could positively or negatively impact a core function, such as the successful operation of a weapons system. “In the Air Force, if I want to drop a bomb from an F-22 and kill a building at a specific location and time, what are all the things that a cyber actor could do to prevent that from happening?” Chiaramonte said. “That could be fuel pumps, that could be health systems, a whole number of things ... could get in the way of us doing that when we want. So how do we identify that? How do we defend it? What’s the whole process?” The Air Force asked for help streamlining and integrating outcomes among 12 Pathfinder squadrons tasked with that work. “Before that sprint was over, the guy from the Pentagon in charge of that effort had already said there are three things that have come out of this ... that they’re implementing in policy now to improve how that was executed,” Chiaramonte said. Giving sprinters a “blank slate” for using the design thinking process to confront “the real problems facing the real users” also helped, Collins said. “You’re face to face with that person who’s able to articulate, ‘Here’s the struggle that we’re having’ in a way that you might not hear about.”

AF SMART BASES Military members and industry partners developed user stories on how to best utilize emerging “smart cities” concepts in Air Force operations, to improve mission effectiveness and airmen’s lives on smart bases of the future. “The Pentagon received that very positively — and so well that we now know what we’re doing, direc-

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tion-wise,” Collins said. Cadets will begin a follow-up sprint in the fall, looking at implementing smart base technology to improve academic and cadet life, Chiaramonte said. “That gives us an experimental case study to move forward with a little more detail [and] with the bigger Air Force as well,” he said. Maxwell AFB and USAFA will be the experimental bases.

#AFSpaceSA What is flying around in orbit — and where is it? What data can be gathered and trusted to answer that question, and how quickly? The #AFSpaceSA sprint is aimed at finding the best options for using academic, commercial and foreign data to make better decisions for operational advantage in the space domain. “A lot of that data is not just government data — there are amateur astronomers who see things, there are commercial entities that are cataloging things in space, there are nongovernmental organizations, and then there are foreign governments publishing a lot of that data,” Collins said. “The question was really how might we take advantage of those additional sources of data while still maintaining the highest decision quality data. They came up, over the course of the week, with several important answers, focused along usability of the data.” After receiving the outbrief, Maj. Gen. Stephen Whiting, director of Integrated Air, Space, Cyberspace and ISR Operations at Peterson AFB, said #AFSpaceSA was a great event. “I appreciate the partnership with CyberWorx and ... industry partners to help us think through some problems in a different way than we traditionally think about them,” he said. CSBJ n

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12 July 21 - July 27, 2017

BUSINESS BRIEFS Compiled by Bob Stephens

Colorado Springs Business Journal

PEOPLE ON THE MOVE

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

ALL BREED RESCUE & TRAINING SET TO MOVE Award-winning All Breed Rescue & Training is moving to a bigger and better location after spending 19 years at the same site. The new building, located at 410½ E. Fillmore St., will provide more than 13,000 square feet for training classes, rehabilitation, kennels and offices. ABRT will expand and grow its services, which includes saving dogs, educating the public and offering positive reinforcement and relationship-based training. ABRT, the only rescue and training facility in Colorado Springs, will begin its move Aug. 1 but the transition will occur throughout next month. A grand opening is set for Aug. 26, in conjunction with ABRT’s 19th annual Romp in the Park.

PENROSE-ST. FRANCIS ADDS LAND FOR NEW HOSPITAL Penrose-St. Francis Health Services finalized its purchase of the Martin Marietta Materials Inc. asphalt plant, adjacent to the property northeast of Centennial Boulevard and Fillmore Street, where a $550 million medical campus is projected for construction. The 28.55-acre property was purchased and incorporated to create an approximately 80-acre parcel of land for Penrose-St. Francis’ third hospital.

CLASSIC COMPANIES AIDS THE RESOURCE EXCHANGE The Resource Exchange is acquiring a new and expandable home thanks to Jeff Smith, chairman of the board of Classic Companies,

which is making the single largest investment in TRE in the nonprofit’s 53-year history. TRE supports children and adults with intellectual and developmental disabilities and their families through a range of services and supports across El Paso, Park and Teller counties. Over the past 10 years, the organization has grown significantly, serving about 4,400 people and their families and employing nearly 300.

EDWARD JONES BRANCH TO OPEN Julie Falletta Dinkel has been selected to open a new Edward Jones branch office located at 1755 Telstar Drive, Suite 202, in Colorado Springs. Falletta Dinkel has 23 years’ experience in the financial services industry.

GRIFFIS/BLESSING CONTINUES TO MANAGE CENTER A new ownership group, DCP Woodmen LLC, has purchased Woodmen Corporate Center and has selected Griffis/Blessing to continue handling management of the 101,755-squarefoot office building. The tenants include Bison Media, Inc., David Weekley Homes, GS4 Secure Solutions, Analytical Graphics, Inc. and Innoven Energy Partners.

MAES TO CONTINUE AS LOTTERY COMMISSION CHAIR Retired Chief District Court Judge Dennis Maes of Pueblo has been selected for another term as chairman of the Colorado Lottery Commission. He was appointed by Gov. John Hickenlooper in September 2012 and reappointed by Executive Order through July 1, 2021.

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KUDOS GAEBLER RECEIVES LEADERSHIP TRAINING AWARD Colorado Springs City Council President Pro Tem Jill Gaebler reached the Fundamental level of the Colorado Municipal League’s MUNIversity program — a leadership program for Colorado’s municipal elected officials. Reaching this level requires officials to complete 30 training credits.

CASA AWARDED YOUTH ADVOCACY GRANT CASA of the Pikes Peak Region has been awarded a $37,000 Youth Advocacy grant from the National Court Appointed Special Advocate Association. Funds will be used to help abused or neglected children in the Pikes Peak region benefit from the services of a CASA volunteer. CASA has upcoming volunteer training sessions in August and September. For more information about CASA, call 719-447-9898 or visit casappr.org.

CLIMB FOR COURAGE REACHES NEW HEIGHTS The 2017 Climb for Courage, presented by GE Johnson Construction Co., raised $180,000 for Children’s Hospital Colorado in Colorado Springs, the most in the event’s three years. More than 500 registered climbers participated in the stair climb race at the Air Force Academy. The Climb for Courage has raised nearly $500,000 since 2015 toward building Children’s Hospital.

CYBERSECURITY OVERSIGHT TRAINING Learn from cyber experts at Firma IT Solutions and the National Cybersecurity Center about how to protect your business from cyber attacks and other online dangers in this hands-on, fast-paced event. Participants will learn about the Darknet, network vulnerabilities and how sensitive information can be susceptible to cyber attacks. Experts will also share tips on how to keep networks secure. Act fast! Only 25 total spots are available. Where: Catalyst Campus When: August 10 • 7:30-11am Cost: $100 Breakfast provided by Picnic Basket

Colorado Springs Business Journal

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

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

Networking Events

Regional Events

Friday, July 21

PPAR: Improving CMAs

Rising Professionals: Off the Clock

Fountain: Breakfast

Learn about the importance of preparing and providing clients with an accurate and complete market analysis with instructor Kevin Stahle, 8:3011:30 a.m., Pikes Peak Association of Realtors, 430 N. Tejon St. Go to ppar. org to register.

Join the Colorado Springs Rising Professionals for a networking mixer, 5-8 p.m. Cowboy Star, 5198 N. Nevada Ave., Suite 150. Register at csrisingprofessionals.org.

Monday, July 24

Wednesday, July 26

SBDC: Bookkeeping Basics I

Black Chamber: After Hours

The Pikes Peak Small Business Development Center teaches the basics of keeping books, $19, 9 a.m.-noon, SBDC offices at the El Paso County Citizens Center, 1675 Garden of the Gods Road, Suite 1007. Go to pikespeaksbdc.org to register.

The Colorado Springs Black Chamber of Commerce after-hours networking event, 5-7:30 p.m., The DoubleTree Hotel, 1775 Cheyenne Mountain Blvd. Go to csblackchamber.com to register.

Wednesday, July 26

Springs Chamber: Women in Business

PPLD: Home-buying Basics The Pikes Peak Library District class teaches you how to buy a home, free, 4-6 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Thursday, July 27 SBDC: Business Plan Write a business plan in a single day, $18, noon-3 p.m., Sand Creek Library, 1821 S. Academy Blvd. Go to pikespeaksbdc.org to register.

Thursday, Aug. 3 SBDC: Intellectual Property Learn about trademarks, copyright and patents with this Pikes Peak Small Business Development Center class, 9-11 a.m., El Paso County Citizens Service Center, 1675 Garden of the Gods Road. Go to pikesppeaksbdc.org to register.

Monday, Aug. 7 PPLD: Minding Your Business The Pikes Peak Library District offers a class on how to start or grow a business, 7-8:30 p.m., Penrose Library, 20 N. Cascade Ave. Go to ppld.org to register.

Wednesday, Aug. 9 SBDC: Quickbooks The Pikes Peak Small Business Development Center teaches a class about Quickbooks Online, 12:30-5 p.m., El Paso County Citizens Service Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc.org to register.

SBDC: Digital Marketing Use LinkedIn to promote yourself and your business, 9-11 a.m., Ent Credit Union, 7350 Campus Drive. Go to pikespeaksbdc.org to register.

Thursday, July 27

Join the Colorado Springs Chamber & EDC for an Evening in Tuscany, a Women in Business networking event, $40, Gold Hill Mesa,142 S. Raven Mine Drive. Go to coloradospringschamberandedc.com to register.

Tuesday, Aug. 1 Springs Chamber: Connect The Colorado Springs Chamber of Commerce & EDC hosts a networking event with speaker Susan Edmondson, president and CEO of the Downtown Partnership, free for members, $5 for nonmembers, 11:30 a.m.-1:30 p.m., Phantom Canyon, 2 Pikes Peak Ave.

Monday, Aug. 7 CSBJ: Mary Fagnant The Colorado Springs Business Journal presents Leadership Lessons with Mary Fagnant, CEO of Qualtek Manufacturing, 4:30-6:30 p.m., Garden of the Gods Club, 3320 Mesa Road. Go to csbj.com/events to register.

Chamber: UCCS partnerships Venkat Reddy, UCCS chancellor, will discuss the university’s public/private partnerships, 11:30 a.m.-1 p.m., The Antlers, A Wyndam Hotel, 4 S. Cascade Ave. Go to coloradospringschamberedc. com to register.

Thursday, Aug. 10 CSBJ: Cybersecurity The Colorado Springs Business Journal and the National Cybersecurity Center team up with Firma IT Solutions for a hands-on training for small business owners. Learn how to protect your business, 7:30-11 a.m., Catalyst Campus, 555 Pikes Peak Ave. Go to nationalcybersecuritycenter.org to register.

July 21 - July 27, 2017

Call for Makers

Join the Fountain Valley Chamber of Commerce for its networking breakfast, 7 a.m., Sarges’ Grill, U.S. 85, Fountain. No RSVP or registration needed.

Wednesday, July 26 Tri-Lakes: Member Meeting The Tri-Lakes Chamber of Commerce holds its quarterly membership luncheon, 11:30 a.m.-1 p.m., Air Force Academy Falcon Stadium press box, 2169 Field House Drive. Go to trilakeschamber. com to register.

Friday, July 28 Pueblo: Chamber Luncheon The Pueblo Chamber of Commerce hosts its monthly member luncheon, $20, 11:30 a.m., Pueblo Zoo. Go to pueblochamber.org to register.

coloradosprings. makerfaire.com Sat., Oct. 21 10 a.m. - 4 p.m. Library 21c

1175 Chapel Hills Dr.

Monday, July 31 Pueblo: Colorado Tech Tour The Colorado Tech Tour will hold its happy hour event at Colorado State University-Pueblo, 2200 Bonforte Blvd. Go to pueblochamber.org to register.

Wednesday, Aug. 2 Pueblo: Latino Coffee Break Join the Latino Supremo coffee break for networking, 8:15 a.m., Southeastern Colorado Area Health Education Center, 503 N. Main St. Go to pueblochamber.org to register.

Thursday, Aug. 3 Woodland Park: Lunch and Learn The Woodland Park Chamber presents “Finding Fascial Freedom: Workplace Edition,” part of its chamber Lunch and Learn series. Justine Calderwood speaks about fascia, the soft connective tissue of the body, 11:30 a.m.-1:30 p.m., Ute Pass Cultural Center, 210 E. Midland Ave. Go to woodlandparkchamber.com to register.

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

Thursday, Aug. 10 Tri-Lakes: Seminar Improve customer service with a TriLakes Chamber seminar, 10:30 a.m.noon, Tri-Lakes Chamber of Commerce and Visitor Center, 166 Second St. Register: trilakeschamber.org.

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14 July 21 - July 27, 2017

Colorado Springs Business Journal

Focus

EDUCATION

EMPLOYEE CLINIC

Health care innovation impacts districts’ bottom lines By Bryan Grossman

s some of the area’s largest employers, local school districts face many of the same challenges that impact sizable private-sector businesses. And while many school districts jockey for recognition for educational quality, some also strive to stand out when it comes to employee attraction and retention through cultures of wellness.

‘GOOD CONSUMERS OF HEALTH CARE’ Colorado Springs School District 11 is the only district in the Pikes Peak region to be self-insured. It also has an exclusive care agreement with Centura Health’s South State Operating Group, which includes Penrose-St. Francis Health Services in Colorado Springs. Along with advances in remote technologies that help employees answer health questions without seeing a doctor, the self-insurance model and the Centura care agreement have saved the district millions of dollars since the 2011-12 school year, according to D-11 Chief Financial Officer Glenn Gustafson. The model, which has been utilized in the district for decades, is tried and

true, Gustafson said. “Being self-insured of health care,” he said. The district of more than 3,000 employees adminisis really important because we control, design and own our plan. We find it to ters its insurance through The Colorado be incredibly powerful,” he said. “I’m Boards of Education Self-Funded Trust Inc., or the BEST Health Plan. baffled by the number of districts that are not self-insured.” According to its website, in 2004, Gustafson said health care across all the Colorado Association of School Boards sponsored formation of the industries typically trends at a 5-7 percent increase in precorporation “to promium costs annually. vide a multi-employDuring the past five er employee health years, District 11’s benefit program that numbers have reoffers administramained relatively flat. tive, underwriting, provider network, “Flat is great,” Gustafson said. “We reinsurance, shared are tracking way less financial risk and other services … to than the median in— Glenn Gustafson flation rate.” its member employThe district does ers. Currently, BEST pay for stop loss insurance, which is comprised of 25 School Districts takes effect if individual claims reach located in Colorado Springs, the San $400,000 or more, but “by and large, Luis Valley and several Northeast and we are self-insured,” Gustafson said. East Central locations.” D-11 is the only district in the Pikes “We’re constantly communicating that Peak region that is part of the plan. to our employees and their dependents But proper coverage is only one path — you may pay a small co-pay, but it’s the district and not an insurance carrier to wellness. Maintaining a healthy paying the difference.” employee population can take on new The district also picks up 75 percent importance for a self-insuring entity, esof family coverage costs, he said. Having pecially in education, where time spent skin in the game means employees and in front of students matters. the district “must be good consumers Jessica Reijgers, benefits manager for

“Flat is great. We are tracking way less than the median inflation rate.”

D-11, said through its partnership with Penrose-St. Francis Health Services, employees have access to biometric screenings and wellness coaching, including through digital platforms. There’s also a walk-in employee clinic that can address minor urgent care needs, but at a lower cost than a traditional urgent care facility or emergency room. “You’re able to walk in or make an appointment after hours and on Saturday and for a small co-pay, you can see a physician and get medications on-site,” Reijgers said. “It’s been phenomenally convenient and helpful for staff and it’s located right in the heart of D-11 at Union [Boulevard] and Circle [Drive]. Staff go there, get treated for minor issues, get their prescription and get back to work with hardly any waiting.”

A ‘WIN-WIN’ PARTNERSHIP Kris Baldwin, project coordinator of integrated health partnerships for Penrose-St. Francis, said D-11 partnered with Penrose-St. Francis about six years ago in its direct-to-employer contracting model. “What that means is, the employer will go right to the health care system and contract for service instead of going through a network,” she said. “It’s not

Colorado Springs Business Journal

July 21 - July 27, 2017

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just Colorado, but the whole nation is doing this. We work with the employer and say, ‘Hey, if you want to use Centura facilities exclusively, we will, in return, give you discounted rates.’ “Through that partnership, it’s a winwin because they get lower rates and, hopefully, we get that increased volume of business.” Other models include preferred plans, where the care agreement isn’t exclusive and the discounts are smaller. According to Baldwin, the arrangement saved D-11 $1.9 million in its first year. “If an employer really wants to manage their employee population, they can save money, but they also have to be willing to focus on managing the health of the population and show employees they do care about them,” she said. There are additional risks self-insured employers take on, including covering catastrophic clams. “A sick baby can cost millions,” she said.

ALL FACETS OF WELLNESS Regionally, Academy School District 20 is second in size only to D-11. According to D-20 Chief Financial Officer Tom Gregory, the district explored the possibility of self-insuring, but the numbers didn’t add up. Today, about 1,500 employees in the district are fully insured through Kaiser Permanente.

“We were paying more in claims than collecting in premiums,” Gregory said of the exploratory phase. “Why would we want to take that risk?” Thanks to focuses on wellness and connecting employees with appropriate plans, the district’s health expenditures have begun to stabilize, Gregory said. “If we can match benefits with the needs of our population, it works well,” he said, adding that last year’s plan was the first “in many years” where premium costs decreased. The average savings was 3 percent. Regarding wellness, the district focuses on physical, mental and nutritional aspects, Gregory said. There are wellness programs throughout the district that include yoga and cooking classes for faculty and staff. There are also annual health competitions between schools and the administration. Gregory said the district has also begun talks with UCHealth and the Memorial system (the former care provider for D-11) regarding services such as employee clinics and providing sports physicals and fi rst-aid curriculum for athletic trainers and special education teachers. “We’d like to look at offering things centrally,” Gregory said. “Right now these services could each be coming from a different partner. “But it’s hard,” he added. “We have to first think of textbooks and paying salaries. It’s hard to add other things.” CSBJ n

7/13/2017 11:59:44 AM

16 July 21 - July 27, 2017

Colorado Springs Business Journal

Vested: All-in a strategy check,” Villa said. “You know there’s something for you in the future because “I tell business owners that changing of this. I’ve always had that mentality to this model won’t save your business, of thinking ahead, and I want to hang but it will — if you adopt the employonto this.” ee-owned model and give people a The ownership model helped draw piece of the action — make employees him to the company. more productive.” “I wanted to work with Save-A-Lot She gets no argument from Jesse and Leevers, but knowing that it was Claeys, a spokesman for New Belgium employee-owned was the clincher,” Brewing Co., the Fort Collins firm that Villa said. “This is a great place to work makes Fat Tire beer and is probably because everyone is so invested in the Colorado’s most successful employbusiness. I’ve always looked ahead, ee-owned business. and I know there’s some retirement “It’s been a great experience working money in my future because we’re here,” said Claeys, who has been with employee-owned.” New Belgium for nearly seven years. Save-A-Lot owners are 20 percent “The employees being owners shapes vested in their stock holdings after one who we are and how we show up for year, and fully vested after five years. work every day. We New Belgium is 26 have a stake in the years old, founded in success of the com1991 by Kim Jordan pany — everybody and Jeff Lebesch. It acts as an owner and moved to become an has an affinity for the ESOP in 2000 with 32 company. We bring percent of the compa110 percent to work — Jesse Claeys, New ny owned by employevery day.” ees. That became 42 Belgium Brewing Co. New Belgium, percent in 2009 and which sells beer in 100 percent in 2012. all 50 states and has It’s not just about the money, though, another brewery in Asheville, N.C., has Claeys said. nearly 800 employees, with 414 of those “You have to separate finances from in Fort Collins. the cultural impact,” he said. “It’s fabuClaeys said being employee-owned lous to work for a company that provides brings an “incredible sense of comretirement like this and lets you reap munity to the business, like a familial rewards for your hard work through bond.” stock ownership. Jesus Villa, the ambitious 21-year-old “But the people here are highly enmanager of the Save-A-Lot on Academy, gaged, and it’s the atmosphere that has experienced that same feeling at makes it a great place to work. ... They his store. think like entrepreneurs.” “It just feels better,” Villa said. “We Vinson backs up that theory with work harder because we know there’s statistics. According to a study by value. We know the bosses care. The the National Center for Employee money comes back to us, rather than goOwnership, she said employee-owned ing to the corporation or the big bosses.” businesses have 8.8 percent higher Save-A-Lot is part of Leevers sales, 5-12 percent higher wages and Supermarkets Inc. of Franktown, which are 67 percent more likely to be in busiwas a family-owned business for 69 ness “after the critical first five years.” years before becoming employee-owned. “Traditional businesses lay off 9.5 Employees must work for Save-A-Lot percent of workers, according to the for a year — and be 21 years old — be2014 study,” Vinson said. fore being vested in the stock program. “We were 1.3 percent, which saved Villa worked for the company about two the federal government $17 billion in years before turning 21, so he’s a newly unemployment insurance. Employeeminted owner. owners are more successful, happy and “It’s not like a 401(k) plan where a couple bucks are taken out of your productive.” CSBJ From page 4

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July 21 - July 27, 2017

Pueblo Business News

Passenger rail service would boost economy By Bob Stephens

“It’s about bringing Colorado into the 21st century,” Pace said. “As Donald Trump said, it’s a crying shame Europe’s infrastructure is ahead of ours.” A potential stumbling block, ironically, is President Trump’s proposed budget, including a nearly 13 percent cut in the federal transportation budget next year; that means 220 cities in 23 states may lose passenger rail service, according to a study by the National Association of Rail Passengers. Esgar brushed off the potential budget problem. “We’re moving forward with our plan and can’t be worried about what might happen,” she said.

ailroad passenger service could create a major economic impact for Pueblo and all along the Front Range, says Pueblo County Commissioner Sal Pace, who has worked for several years to make that a reality. “It’s not just Pueblo, but Colorado Springs, Castle Rock, Fort Collins,” Pace said. Limited service in Pueblo has been approved — with expansion a distinct possibility — and many politicians are supporting rail passenger service from Fort Collins to Trinidad. District 46 Rep. Daneya Esgar, elected by Pueblo County voters in 2014 and PRESENTATION PENDING ’16, is one such supporter. Last week, Gov. John Hickenlooper Esgar co-sponsored Senate Bill 153, appointed Pace to the new commiswhich passed in April and created sion, which has until Dec. 1 to present the Southwest Chief and Front Range a plan to the state Legislature that faPassenger Rail Commission to explore cilitates Front Range rail service along passenger rail service along the Front Interstate 25. Range and to explore the expansion WE’RE IN THE PALM YOUR HAND. Asked if Front Range rail service will of Amtrak’s Southwest ChiefOF route happen, Pace was noncommittal. to Pueblo. The new group replaced a “It depends on two variables — who similar commission, chaired by Pace. the next governor is and can we get The previous commission’s authority a vote on the Senate floor,” he said. ended July 1.

Photo by Ashleigh Hollowell

While the economic impact of a new rail depot would be significant, so would the cost. The historic Union Depot is a more likely solution if expanded passenger rail travel comes to Pueblo.

“Sometimes bills die in committee.” Pace said it could get to a Senate vote “in a year or two.” El Paso County Commissioner Darryl Glenn likes the idea of rail service returning to the Pikes Peak region but questions how it can be accomplished. “In a perfect world, who wouldn’t

want to jump on the train and go anywhere on the Front Range?” Glenn said. “People are looking for multi-modal transportation options, but it always comes down to how are you going to pay for it.” That’s part of the commission’s task. See Rail page 18

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18 July 21 - July 27, 2017

Colorado Springs Business Journal

PUEBLO BUSINESS NEWS

Rail: Pueblo may be on board with Amtrak stop From page 17

“We have to figure out how to structure it,” Pace said. “I think we can put together a financing package that costs the state very little.”

UNION DEPOT AT THE READY A through route on Amtrak was approved last year, allowing one train car to carry passengers from Pueblo to the Amtrak connection in La Junta. Pace said the main route will eventually go

from La Junta to Pueblo to Trinidad. “We’re going to have that done,” he said. “I’d give it three years.” Esgar says rail service could help revitalize Pueblo’s downtown. “It would be amazing to have Pueblo be a full-service stop for Amtrak,” she said. “I think it would be a great driver, another economic boom for Pueblo. The Riverwalk really energized the downtown area, and if we had another way to get people to Pueblo — like on the train — that would be great.”

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The historic Union Depot is nearly ready to serve Amtrak customers, according to Pueblo County Director of Economic Development Chris Markuson. “It would have a sizable economic impact,” Markuson said. “It would add vibrancy to downtown and have a snowball effect that could benefit restaurants, bars and hotels. Studies show that increased pedestrian traffic and overnight stays prove to be a massive economic driver.” Markuson sees rail service as a game-changer. “We’ve wanted for a long time to create more economic opportunity in downtown Pueblo,” he said. “Identity change for cities takes a long time. In Denver, it took 30 years. Pueblo started in the late 1990s with the Riverwalk, which was a catalyst for change. Rail service could be the next step in changing Pueblo.” According to a 2014 study done by Colorado State University-Pueblo professors Kevin Duncan and Michael Wakefield, the economic impact on Colorado from the Southwest Chief line of Amtrak is considerable. Even with stops only in the small towns of La Junta and Trinidad, it adds $5.7 million annually to the state’s economy, the report said, and creates about 52 jobs. A stop in Pueblo, according to the study, would increase those numbers

by about $1 million and nine jobs. Markuson said the “indirect impact is what raises eyebrows and gets us excited. “Train travel is something from the past that is coming back,” Markuson said. “You see it in Denver with the light rail. California is investing billions in high-speed rail. The current model of sitting in traffic on I-25 is not sustainable.” He gets no arguments from Esgar, who drives to Denver almost daily when the legislature is in session. “I’d much rather hop on a train in downtown Pueblo and get off in downtown Denver,” she said. “I’d have two hours to get work done and wouldn’t have to stress over the traffic.” But how realistic is passenger rail service all the way from Wyoming to New Mexico? “I think it used to be a grandiose idea,” Esgar said, “but as we look at other options due to congested interstate traffic, I think the idea is gaining momentum.” Will the eventual widening of I-25 from Monument to Castle Rock make rail service less attractive? “No matter how much we widen the interstate, there will still be more people moving to Colorado, and the interstate will still be crowded,” Esgar said. “The train will always be a great stress-free option.” CSBJ n

Colorado Springs Business Journal

July 21 - July 27, 2017

SMALL BUSINESS

Photo by Ashleigh Hollowell

Jennifer Dionisio and kids — including Erin, Regan and Ally — make up the workforce at 3 Sisters Farm and Dairy on 41st Lane in Pueblo.

Pueblo farm and dairy in family’s blood By Ashleigh Hollowell

drive down 41st Lane in Pueblo looks exactly like farmland portrayed in movies: green fields, vast acreage and scattered barns. On that road, 3 Sisters Farm and Dairy might blend in with the rest of the view, but the mission behind this family business is to stand out and educate the public about the values behind all farming and agriculture. The need for education comes as the number of small farms across the nation continues to decline, and there are fewer new farmers than ever before. The United States Department of Agriculture’s most recent farm demographics reported the total number

of farms across the U.S. fell 4.3 percent between 2007 and 2012, a statistically significant change, according to the department. Jennifer Dionisio, owner of 3 Sisters Farm and Dairy, hopes to educate the public and create a profitable business while simultaneously leaving a legacy and business opportunity for her three daughters — Erin, Regan and Ally — for whom the farm is named. “It’s amazing how many people don’t realize where their food comes from,” Dionisio said. “I wish that we would be more aware of ... where [our] food comes from, the part a farmer has in [supplying] food and about supporting local farmers.” Goat farming in particular is in Dionisio’s blood. She and her sister grew up in an agriculturally involved

family, and they participated in 4-H for many years. “My grandpa and his brothers, he had nine brothers and two sisters, and they raised a herd of goats [in Colorado] and sold their dairy [products] as far as New York,” she said. The business side of 3 Sisters Farm and Dairy was established in 2016 and grew out of a hobby. Dionisio and her girls were raising goats for 4-H and using their milk to make cheese, soap, dry shampoo and other items when she decided it was time to establish a business. “It’s an expensive hobby, and if you don’t figure out a way to help it pay for itself — that’s where a lot of See Sisters page 20

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20 July 21 - July 27, 2017

Colorado Springs Business Journal

PUEBLO BUSINESS NEWS

Sisters: Farm and dairy legacy in the works for family 3 Sisters Farm and Dairy Established: 2016 Employees: 1 (with help of 3 daughters) Location: 1152 41st Lane, Pueblo Contact: 719-240-4996; threesistersfarmanddairy.com

From page 19

people I think get frustrated with it. It’s a big task, having goats,” she said. “That’s a full-time job. You don’t get vacation days. You can’t stop milking your goats because you’re going on a vacation. It doesn’t work that way. You have to milk them twice a day. It’s a commitment.” Dionisio offers hands-on tours to local schools to help educate children about where their food comes from and also offers classes like cheese-, jam- and

jelly-making and even “goat yoga” to provide the public an opportunity to learn more about the agricultural community. The workforce behind 3 Sisters Farm and Dairy consists of just Dionisio and her girls, but within the next three to five years, the family hopes to build up their small-scale creamery and perhaps move it to a 700-acre property they own just 15 minutes away from the current location. Dionisio said she envisions building a

house on the property with a commercial kitchen, which could accommodate larger classes and a possible farm-to-table restaurant. She said she wants to ensure operations stay small and doesn’t plan to distribute her products to larger-scale stores. She said if or when her daughters take over one day, the business can be modified to suit their wishes. “We hope to leave a legacy for the girls so they can be entrepreneurs and either branch off and do their own businesses or collaborate and work together,” Dionisio said. “They could almost each eventually build their own little businesses off 3 Sisters Farm and Dairy. It’s an open door for them later on in life if they want it. And if they don’t want it, I’m OK with that too. We’ll enjoy it while we can.”

“For every farmer that drops out of farming, that’s food away from our tables.” — Jennifer Dionisio Dionisio said while small farms struggle nationwide, she and others in the local agriculture community hope to see more local support. “I think there’s a lot more we could be doing, if people would take notice, to help our community. Farming is such a gamble anyway — with weather and water and prices. It’s a commodity at the end of the day because you don’t know what you’re going to get for it,” Dionisio said. “For every farmer that drops out of farming, that’s food away from our tables. As Americans, I don’t think people are in touch with that, especially people who aren’t in an agriculture community. ... I think we need to educate people.” CSBJ n

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Colorado Springs Business Journal

July 21 - July 27, 2017

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22 July 21 - July 27, 2017

Colorado Springs Business Journal

THE LIST: PRIVATE SCHOOLS

Private Schools

From The Book of Lists & Power Pages Ranked by Total No. of Students Enrolled 2016-2017 School Year

Ranked by 2016-17 total student enrollment

Just Missed The List

Name Address

Phone Website Email

Grade Levels/ Avg Class Size

Principal or Chief Administrator

Year Founded

719-475-9747 css.org info@css.org

No. Students Enrolled/ Tuition/ Uniforms Required 302 $21,600 N

The Colorado Springs School 21 Broadmoor Ave. Colorado Springs, CO 80906

PreK (age 3) - Grade 12 16

Aaron Schubach, Head of School

1962

St. Mary's High School 2501 E. Yampa St. Colorado Springs, CO 80909

719-635-7540 smhscs.org jtrechter@smhscs.org

252 N/A N

9-12 16

Patrick Carter, President, Joseph 1885 Trechter, Director of Advancement

Corpus Christi Catholic School 2410 N. Cascade Ave. Colorado Springs, CO 80907

719-632-5092 corpuschristicos.org/school jkraus@corpuschristicos.org

235 $5,250 Y

Pre K - 8 18

John Kraus, Principal

Fountain Valley School of Colorado 6155 Fountain Valley School Rd. Colorado Springs, CO 80911

719-390-7035 fvs.edu admission@fvs.edu

226 $28,800 N

9-12 11

William V. Webb, Head of School 1930

Divine Redeemer Catholic School 901 N. Logan Ave. Colorado Springs, CO 80909

719-471-7771 school.divineredeemer.net/school-info/ jdamerell@divineredeemer.net

195 N/A N/A

pK-8 20

David Brilliant

1956

Evangelical Christian- Secondary Campus 4052 Nonchalant Cir. S. Colorado Springs, CO 80917

719-597-3675 ecaeagles.org admissions@ecaeagles.org

147 $8,700 Y

7-12 (Pre-K - 6 available at other campus) 19

Bob DeRuiter, Principal

1971

719-634-7024 ecaeagles.org admissions@ecaeagles.org

140 $6,500 Y

Pre-K - 6 (7-12 at other campus) 18

Darla Blue, Principal

1971

Evangelical Christian Academy Elementary 2511 N. Logan Ave. Colorado Springs, CO 80907 Rocky Mountain Montessori Academy 7675 Lexington Dr. Colorado Springs, CO 80920

719-592-0900 rm-montessori.com rmma@mindspring.com

68 $5,500 N

T-6th 10

Nancy Clarke, Principal

1999

Holy Cross Lutheran School 4125 Constitution Ave. Colorado Springs, CO 80909

719-596-4386 holycrosscs.org/education/holy-crosslutheran-school/ hcls@holycrossCS.org 719-599-0066 rockrimmonchristianpreschool.com susan@rockrimmonpreschool.com

64 $300 N

Preschool through junior kindergarten 8 students per teacher

Deb Schrank, Director

1999

50 N/A N

2 1/2-6 years old 12-15

Susan M Seldomridge, Director

2005

Rank

NR- Colorado Springs Christian Schools

Niche ranked The Colorado Springs School the Best K-12 School in Southern Colorado.

St. Mary’s High School had four National Merit Finalists in the 2016-17 school year.

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

Rockrimmon Christian Preschool (1) 728 Village Center Dr. Colorado Springs, CO 80919

1921

N/A- not available. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/corrections to cristina.jaramillo@csbj.com. (1) Formerly Kids Art & Nature Montessori Preschool

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

KEYNOTE

TUESDAY, AUGUST 15, 2017

Donna Lynne, DrPH

For the 24th Annual Accolades Award Luncheon

Lieutenant Governor and Chief Operating Officer

SCWCC.COM/ACCOLADES

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11:00 A.M. - 1:30 P.M.

MASTER OF CEREMONIES FOX21 NEWS

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CONGRATULATIONS TO ALL THE NOMINEES Young Professional of the Year Sarah Humbargar Evan Kendrick Krithika Prashant Mundi Ross

Downtown Partnership Pikes Peak Library District City of Colorado Springs Colorado Collective

Minority Owned Business of the Year Deborah Alberto Janet Pasewark-Duncan Nohemy Montes

Debbi’s Aromatherapy and Essential Oils Duncan & Associates Mont Wealth

Business Leader of the Year Dr. Tatiana Bailey Stacy Davidson Jamie Dodd Kathy Guadagnoli Patricia Hoffman Judy Mackey Aikta Marcoulier Barb Winter

University of Colorado Colorado Springs Colorado College Autosmith Guadagnoli Properties Colorado Ballet Society The Garden of the Gods Collection Pikes Peak Small Business Development Center Ent Credit Union

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Colorado Springs Business Journal

THE LIST: SCHOOL DISTRICTS Ranked by 2016-17 total student enrollment

School Districts

July 21 - July 27, 2017

From The Book of Lists & Power Pages

Ranked by 2016-2017 Total Student Enrollment No. Students

Colorado Springs School District 11 1115 N. El Paso St. Colorado Springs, CO 80903

Phone Website Email 719-520-2000 nicholas.gledich@d11.org d11.org

Air Academy School District 20 1110 Chapel Hills Dr. Colorado Springs, CO 80920

719-234-1200 mark.hatchell@asd20.org asd20.org

25,591

21 9 9

Falcon School District 49 10850 E. Woodmen Rd. Peyton, CO 80831

719-495-1100 philts@d49.org d49.org

20,834

14 6 9

Harrison School District 2 1060 Harrison Rd. Colorado Springs, CO 80905

719-579-2000 aspencer@hsd2.org hsd2.org

11,746

16 7 6

Widefield School District 3 1820 Main St. Colorado Springs, CO 80911

719-391-3000 campbells@wsd3.org wsd3.org

9,634

9 3 3

James Madison Charter Academy K-6

Scott Campbell

Fountain-Fort Carson School District 8 10665 Jimmy Camp Rd. Fountain, CO 80817

719-382-1300 kowen@ffc8.org ffc8.org

8,185

8 2 2

N/A

Dr. Keith Owen

Lewis Palmer School District 38 P.O. Box 40 Monument, CO 80132

719-488-4700 kbrofft@lewispalmer.org lewispalmer.org

6,577

6 2 2

Monument Academy Charter

Karen Brofft

Cheyenne Mountain School District 12 1775 LaClede St. Colorado Springs, CO 80905

719-475-6100 cooper@cmsd12.org cmsd12.org

5,224

6 2 2

The Vanguard School (elementary, middle, and high school)

Dr. Walt Cooper

Woodland Park School District RE-2 P.O. Box 99 Woodland Park, CO 80866

719-686-2000 jbowman@wpsdk12.org wpsdk12.org

2,480

3 1 1

N/A

Jed Bowman

Manitou Springs School District 14 405 El Monte Place Manitou Springs, CO 80829

719-685-2024 elongfield@mssd14.org mssd14.org

1,488

2 1 1

N/A

Ed Longfield

Rank

Falcon School District 49 is opening a school in the fall that is dedicated to children with reading and behavioral problems.

In 1874, Widefield School District 3 was established as the third school district in El Paso County.

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

Don’t miss The List July 28: Mortgage Lenders Aug. 4: Cybersecurity and Homeland Security Aug. 11: Graphic Designers

Name Address

27,911

No. Schools Elementary, Middle, High 35 10 10

Charter Schools

District Superintendent

Academy for Advanced and Creative Learning, CIVA Dr. Nicholas Gledich Charter Academy, Community Prep Charter School, Globe Charter School, Life Skills Center of Colorado Springs, Roosevelt Charter Academy The Classical Academy Charter, TCA College Pathways, Dr. Mark Hatchell The Classical Academy High School, The Classical Academy Middle School Banning Lewis Ranch Academy, GOAL Academy, Peter Hilts, Brett Imagine Classical Academy, Pikes Peak School of Ridgway, Jack Bay Expeditionary Learning, Power Technical Early College, Rocky Mountain Classical Academy Atlas Preparatory (high school and middle schools), Dr. Andre D. Spencer James Irwin Charter (elementary, middle, and high schools),

* Enrollment figures from Colorado Springs Chamber & EDC. N/A- not available. Number of schools is determined by students served in those grade levels;number of schools may actually be less. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/corrections to cristina.jaramillo@csbj.com.

Aug. 18: Residential Real Estate Brokerages This is the top listing of School Districts that responded to questionnaires, notices and telephone inquiries.

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24 July 21 - July 27, 2017

Colorado Springs Business Journal

6035 HEALTHY LIFESTYLES: CHANGING ATTITUDES AT ALTITUDE

this week is your

last Chance to nominate!

NOMINATIONS DUE JULY 28 Let’s celebrate the companies that are focused on health and wellness — from the big companies with healthy food in the cafeterias and in-office gyms to the small ones who provide walking groups and nutrition classes. And don’t forget your boss and coworkers who push everyone to be more healthy — there are awards for them too.

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Colorado Springs Business Journal

July 21 - July 27, 2017

Patents: Investing in legal protection can pay off From page 1

When it comes to patents, Michael Larson, founder and president of Mind Rocket Inc., has seen a thing or two. “I have seven of them, with six more in process. I have paid as little as $5,000-$10,000 to get a patent; I have also paid upwards of $50,000 to get a patent,” said Larson, who is also El Pomar Chair of Engineering and Innovation at UCCS and president of Sleep Shepherd. “It is a costly endeavor. But I’m happy to say that I have ones that have actually been commercially successful, which is rare for people getting patents.” It’s also rare for people to know the thorny side of the IP world as thoroughly as Larson. He’s been entangled in a patent suit — as plaintiff — for more than a decade. In 2005, while a professor at Tulane University in New Orleans, Larson invented a laser strategy board game called Khet with two of his grad students. They took their prototype to the International Toy Fair in February 2005, to great fanfare. It was set for release in August 2005 — the month Hurricane Katrina hit. In the chaos that followed, their first shipment of 5,200 games had to be rerouted to Houston, and Larson found himself launching the game from the basement of another family’s home in Massachusetts. Against the odds, Khet took off. “It was amazing,” Larson recalled. Little did he know, one of the fi rst games was purchased through his website using an MGA Entertainment credit card. And eight months later, MGA Entertainment, the California-based toy giant responsible for Bratz dolls, launched a laser battle game with the same rules as Khet, and similar mirror and laser game pieces.

“My phone starts ringing off the hook with people saying, ‘I’m standing in Walmart, I’m looking at a game, I thought it was yours — but it’s not yours!’” Larson said. MGA applied for a patent on the game but was denied on the basis that Innovention already had the patent. But it kept selling the game. And the toymaker did not respond when Innovention sent a letter showing its patent-pending documents and demanding it stop sales. Larson was left with little choice but to sue. “In light of the law, I was faced with either: File a lawsuit and follow through on this original letter I sent or — without me knowing — [MGA] could use my letter ... as justification for filing lawsuit in their backyard of California,” he said. “Because of the costs of litigating elsewhere, I [filed] a lawsuit in the Eastern district of Louisiana, hoping … we will settle amicably, because 95 percent of patent suits get settled before trial.” Eleven years later, both sides are still fighting. “We started all this lawsuit stuff [at the] end of 2006, and we finally got our day in court in 2011. The jury verdict was unanimous on all 14 counts in our favor. You would think, ‘We won! High fives!’ But that started the appeal process,” Larson said. While MGA was held to have copied Innovention’s work and the base judgment against the company was upheld long ago, MGA is still challenging damages and other issues in court. “We’ve already been to the Federal Circuit Court of Appeals twice. … Right now I’m back waiting in front of them again. ...The wheels of justice grind slowly in the patent world,” Larson said. “In all of this, I have had attorneys tell me, ‘Wow, you’ve gotten an education you can’t pay for!’ I paid dearly. I’m still paying.” Despite his precedent-setting legal battle, Larson says patents are “an essential part of doing business.”

Photo by Helen Robinson

Michael Larson has seen the highs and lows of the patent system.

“In [fields such as medical innovation, technology and software] yes, getting an IP portfolio is important because you’ve got such a big investment, you need to take every step you can to protect that investment,” he said. “For example, the barrier to entry on a medical device is very high … People who are going to invest in a company that needs to expend that kind of capital before making a dime, need to know there’s some kind of protection in place for their money. They’re not going to expend all of this only to have someone swoop in and steal it at the 11th hour … so you have to establish a beachhead.” It’s important for inventors to understand what kind of protection a patent offers, he said. “I can speak firsthand, if you have someone infringing on your patent, there are no patent police who are going to ride in and put the offender in ’cuffs and drag them away. ... It’s all on you to police and protect the patent that you’ve got.” CSBJ n

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Colorado Springs Business Journal

OTHER VOICES

‘Nuggets of wisdom’ highlight 2017

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ne highlight for me thus far in 2017 has been the COS CEO sessions hosted by the Colorado Springs Business Journal. It could be renamed “COS Leadership 2.0” — or even 3.0. Like few others, these meetings create a space for unique networking and learning opportunities. The nuggets of wisdom shared from real-life examples perfectly align with my learning style. As a graduate of programs from the M C K E E Colorado Springs Leadership Institute and Leadership Pikes Peak’s Signature Class — both of which focus on leadership training, empowerment and personal development — I find myself similarly inspired and educated through this series on characteristics of our community’s great leaders. Hearing their stories and answers to thought-provoking questions, as well as having the chance to ask questions of my own, offers one of the most incredible opportunities in our region. Listening to leaders like Jim Johnson, Shawnee Huckstep, Margaret Sabin, David Kast, Lisa Tessarowicz and Pam Shockley-Zalabak give insights about various industries, management styles and visions inspires me to consider new possibilities. Begun through the foresight of Jen Furda and continued under the leadership of Amy Sweet, these sessions intention-

Carrie

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

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

ally cap the audience at 50 people. How often does one get to engage with such great minds and influential people — not just in our region, but in our state or nation? Unless you are among the “who’s who” groups in town, these chances are few and far between. An attendee seated next to me last month said, “I can’t believe how honest and transparent these CEOs are. They are keeping it real!” Perhaps I get so excited about these occasions because they embody our goal with the youth of Junior Achievement to expose students to some of our community’s innovative and hard-working business leaders in hopes of inspiring and preparing them to be successful in their own future endeavors. Their decisions and accomplishments, as well as ours, will impact our economy and region, industries and advancement, families and future. Let us keep this in mind in considering how we participate in our own personal and professional development through events such as these COS CEO sessions, volunteer our time and talents, and invest our hardearned money in the businesses, nonprofits and ventures which will make Colorado Springs an even better place than it is today. I highly anticipate hearing from the remainder of the series speakers, including Mary Fagnant, Scott Blackmun, Perry Sanders, Kevin O’Neil, Tom Naughton and Bill Hybl. Carrie McKee is president and CEO at Junior Achievement of Southern Colorado. She can be reached at carrie.mcKee@ja.org.

The nuggets of wisdom shared from real-life examples perfectly align with my learning style.

Fruits and veggies served up for win By Julie Bedsole

ryan Construction and Navakai IT Consultants were in it to win in June. The health challenge was based on which company’s employees could consume the most fruits and vegetables within a one-month period. Apples, strawberries, broccoli, carrots and cauliflower were flying into diets in unprecedented amounts. However, the ultimate goal of the challenge was not to simply gorge on healthy food, but to demonstrate and educate employees on the health benefits of good nutrition when combined with active lifestyles. Most of the population equates being physically slim to being healthy. But this isn’t always the case. The focus of this second challenge (the first was a steps challenge) was on fruits and vegetables to draw attention to the fact that an employee can be physically on target, but without proper diet, they are endlessly wandering in the quest for true health benefits. As Navakai CEO Davin Neubacher likes to say, “Abs are made in the kitchen.” Here is an example: An employee can work out in the gym every morning. They can go in at 5 a.m. to hit the

weights, exhaust the cardio and center themselves with yoga. But their diet is full of center-aisle prepackaged foods, frozen meals and candy; all of which are packed with sugar and sodium and negate the work put in at the gym. Therefore, they are only 50 percent healthy. The biggest difference with this challenge, compared to the fi rst, was employees were required to make a conscious effort to enter their fruits and vegetables into the tracker software, which keeps the challenge atop the mind each day. “Our folks relied heavily on their fitness trackers in the steps challenge, by entering their totals each day, they were reminded that they are in a competition — and reminded that their entry counts towards the team’s success,” said Bryan Construction CEO Scott Bryan. Some additional perks were weekly nutritional tips shared by administrators with their respective offices, and the group enjoyed a healthy potluck together. It was a tasty and unique

collaboration of about 20 employees where not one recipe was replicated. The group’s Facebook page remained active with pictures of delicious, nutritious treats that came in quite handy on the weekends, when fruit and veggie consumption tends to be lower. Ultimately, Navakai came out victorious with an average consumption of 138 servings of fruits and vegetables per employee, compared to Bryan Construction’s 121. This has been a journey for both companies, but it’s not over yet! Another challenge is planned for August. You see, this epic challenge is about overall wellness. It’s about achieving the golden wellness trifecta of physical, dietary and mental needs. Therefore, the August challenge will focus on mental well-being and work/life balance. Be sure to attend the Colorado Springs Business Journal’s 6035 Lifestyle luncheon in September, when the 2017 Corporate Wellness Challenge winner will be presented with a $1,000 check to the charity of their choice.

Most of the population equates being physically slim to being healthy. But this isn’t always the case.

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Colorado Springs Business Journal

July 21 - July 27, 2017

OTHER VOICES

The skill of self-advocating is key to success

arah Kent came to Pikes Peak Community College homeless and desperate. A high school dropout, Sarah had just walked away from a bad relationship with nothing but a toddler, a suitcase and a resumé full of minimum wage jobs. But Sarah also arrived at Pikes Peak with a fierce determination. She came to the college with a B O L T O N drive to do whatever she had to do to create a better life for herself and her daughter. She knew she needed skills and education to build that new life, and she already possessed one of the greatest skills she’d ever need, a skill that is profoundly difficult to teach: self-advocacy. That skill — being able to fight for your own interests — makes such a difference. I often have well-meaning parents share with me the challenges their children are facing at PPCC. They’re clearly motivated by love. Still, I say, “Thanks for bringing these issues to my attention, and I’ll be dealing directly with your son or daughter on this.” I don’t want to encourage parents to interfere with their children’s opportunities when they must advocate for themselves. Self-advocacy is not only essential in making the most of one’s education, it’s also invaluable in the workplace. Great workers are constantly looking for ways to upgrade their skills, through conferences, specialized work training and mentorships. They also know how to pitch for raises and promotions. What stands in the way of self-advocacy? I remember going for my first job, how difficult it was for me to sell myself. Even talking about why I’d be a

Lance

good fit for the job felt like boasting. Many of us were raised to be humble. We don’t brag about ourselves or our talents. Yet that reticence to put our best foot forward can stall a career before it even gets going. PPCC’s Student Success Seminar, a four-hour extension of our orientation, tries to tackle some of those issues, empowering students to take charge of their lives and their education, and we’ve found that those students who take the seminar have a much better record of making it to graduation. For Sarah Kent, self-advocacy became easy when it wasn’t just about advocating for herself. She was also advocating for her daughter. With no family to turn to for support, she looked for help from PPCC’s Crisis Center, which helped her find a homeless shelter with a space for her and her daughter. The Crisis Center also pointed her to other resources, including the U.S. Department of Education’s Child Care Access Means Parents in School program, which covered half the cost of tuition at PPCC’s Child Development Center. That close and reliable child care not only freed her up for class time but also study groups and lab time outside of class. Retention Services helped her get a bus pass that paid for her transportation to school for about a month until she found a job. She found out that PPCC’s bookstore would allow her to use financial aid to pay for desperately needed school supplies, including a pen light she could use to study in the shelter, where lights went out at 8 p.m. By her second semester, Sarah was on a roll. She had a work-study position in PPCC’s IT department and joined Phi Theta Kappa, the student honor society.

She also sought and received a variety of scholarships and grants, including the Merit Scholarship and the Kaiser Permanente Scholarship, which paid for tuition, transportation, a laptop, childcare expenses and more. Even after she secured a stable home and bought a used car, she fell on hard times. Again, she advocated for herself and found opportunities. She brought her car in to PPCC’s Auto Tech garage for maintenance. She got help from the facilities department in repairing some old boots. Beyond the financial help, Sarah also got boatloads of academic assistance from math, English, biology and philosophy instructors as well as tutors who went above and beyond to help her succeed. Self-advocacy is no magic bullet, though. Sarah also worked her butt off, often maintaining two jobs, and, exhausted after putting her daughter to bed, stayed up every night from 8 p.m. to 1 a.m. to keep up with her studies. She’s one of those real-life superheroes. In May, I had the honor and pleasure of handing Sarah a diploma. I marveled at her tenacity, and I felt such pride about all the support our amazing team at Pikes Peak was able to give her. But I know that not everyone reaches out for help as effectively as Sarah did. So many bright students hit road bumps that derail their career plans. They don’t think to ask for help, and they don’t know who to ask. It’s not easy to advocate — to ask for help and then ask again and again. It’s my hope that Sarah’s story can inspire others to speak up for themselves. I know she’s inspired me. Lance Bolton, president of PPCC, can be reached at lance. bolton@ppcc.edu.

It’s my hope that Sarah’s story can inspire others to speak up for themselves.

Here’s a story of transition and social enterprise

am intrigued with how Baby Boomers approach life transitions as they close in on the end of formal working years and careers. My favorite research method is to talk to them and hear their stories. In a previous column, I shared helpful tips for thinking through these seasons of transition. If there is a desire to step back but remain in the workforce, in a paid or volunteer capacity, one approach is to build on skills acquired from years of employment. This is the story of one person who did just that. Stan Grant got a degree in business and started out as a stockbroker before going to work for an ambulance corporation in California, eventually becoming the vice president of operations. In this role he learned about emergency management services. He describes himself as having an entrepreneurial spirit, which prompted him to write a proposal to Los Angeles County to create a department of emergency management services. His proposal was accepted and implemented. Stan became its first director. Building on these skills, he next took an administrator position with Harbor General UCLA Medical Center, followed by a time with Coopers & Lybrand’s health care consulting division. Next was a VP of marketing position at Cedars Sinai Medical Center. It was interesting to hear how he

continued to build on skill sets in new ways along his career path. Prompted by a suggestion from his wife, they left California and moved to Colorado Springs — it was time for reinvention. S C O T T His entrepreneurial spirit led him to be his own boss, successfully starting a health care consulting business. Several years later he again put his experience to work, partnering with a friend and the El Paso County Medical Society to create the first pharmaceutical discount card in the United States. This is where my path first crossed with Stan’s. The discount card was a national success and led to launching insurance agencies in all 50 states to provide health insurance to independent agents. Years later, and at a time when many retire, Stan sold the agencies and launched his next endeavor — Medicare Without Boundaries — benefiting low-income seniors and disabled individuals. However, Stan’s focus changed from creating another successful for-profit venture to meeting a need in our community through a social enterprise, a business that applies commercial strategies to maximize improvements in hu-

B.J.

man and environmental well-being. Stan describes the business model as a hybrid, blending an insurance agency with case management to help people navigate the complex world of Medicare and other benefits to support their health care goals, such as food stamps and Medicaid. The case management services are free while, at the same time, allowing the insurance agent/case manager to generate income through commissions by signing clients up for Medicare supplements. Plus, Stan’s “retirement” business is creating new jobs. He is now recruiting and training independent agents. “I specifically target people who have a hard time fi nding a job due to some life event from their past, such as [veterans or] individuals who have recovered from substance abuse,” he said. “The ideal candidate must also possess a strong sense of community and a desire to help people.” Another advantage to his business model is that no upfront investment is required. Clients come to the agents through referrals from local public and nonprofit agencies, such as the Colorado Springs Fire Department and Catholic

Charities’ Marian House. Today, Stan has five agents in addition to himself, aged from the late 30s to almost 70 — truly an intergenerational team. Yet Stan’s story gets better and better in terms of a “win, win, win” retirement endeavor. He has also contributed his expertise to Silver Key Senior Services — Key Benefits is a nonprofit social enterprise that spins off part of its profits to support Silver Key’s mission. Is this the last chapter in Stan’s career book? Hardly! He’s now looking at franchising the concept and developing programs that would help poor Medicare beneficiaries who can’t afford shingles shots as well as distributing unused pharmaceuticals to poor people. So, back to where we started … if you are approaching retirement or another life transition, take advantage of your existing skill sets and build on them — like Stan did. He can be reached at sgrant@inswob. com. 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.

If you are approaching retirement or another life transition, take advantage of your existing skill sets.

28 July 21 - July 27, 2017

Colorado Springs Business Journal

Retail: Customer convenience, speed are selling points From page 8

“Fundamentally, online retailers have made the marketplace (real and virtual) more competitive,” Lybecker said. “Consumers benefit from the additional selection, the cost savings, and the efficiency of these technologies.” Lybecker isn’t predicting the end of brick-and-mortar stores. “Traditional sellers still have a role to fill,” she said. “If they are able to offer unique products, specialized items and individualized service, they will maintain their competitive edge and survive in the marketplace.” The National Retail Federation has forecast that 2017 retail sales — excluding automobiles, gasoline and restaurants — will increase between 3.7 and 4.2 percent over 2016, driven by job and income growth coupled with low debt. “Overall, I see room for both types of retailers for years to come,” she said. “Consumers are tremendously savvy and adapt to the shopping platform that best suits their needs.”

GROCERY MARKET ALSO CHANGING The new battleground is in groceries, as Amazon’s purchase this year of Whole Foods sent shock waves through the retail industry. Walmart, the nation’s largest seller of groceries, began to dominate the market after opening its first supercenter near its corporate headquarters in northwest Arkansas in 1988. Walmart corners 26.2 percent of the grocery market, while Amazon and Whole Foods combined are less than 3 percent. But that could change. Many supermarkets have dressed up their storefronts, added coffee shops and banks, and are now offering online shopping and curbside pickup. King Soopers calls its curbside pickup “ClickList.”

“It’s something we’re excited to talk about, because it helps people become aware of it,” said King Soopers spokesman Adam Williamson. “It’s a growing business, for sure.” The King Soopers on Centennial Boulevard has 10 employees dedicated to serving customers who use ClickList. Customers can order and pay online, drive to the store and park in a designated spot, where a sign provides the phone number to call so that employees can bring the groceries to their vehicle and load them. “We started doing this in October and it’s been a very good service,” said Glenda Hamilton, a 20-year King Soopers employee who is manager of the Centennial store. “We’ve been able to reach out to the community and give a service that I think was lacking for a long time. We’re making it better and better. It really helps our elderly people, and people who just got out of the hospital because they don’t have to come in, plus moms with babies and kids.” Hamilton’s store averages about 45 ClickList orders per day, and tops out at about 70 a day. Coupons are still honored, as is the King Soopers loyalty card that provides gasoline savings. “The computer keeps track of your orders and, if there are items you purchase a lot, it will make those easy for you to select,” Hamilton said. “We take extreme care in how we shop, how we substitute if necessary and in the selection of fresh products. We take the employees through extreme training. We try to shop as if we were buying it for ourselves.”

SHOP ONLINE, GET IT DELIVERED Decades ago, milk and eggs were often delivered to family doorsteps — and now you can get those items again, thanks to Instacart. Apoorva Nehta, who hates to shop for groceries, founded Instacart.

“He found shopping burdensome and annoying,” said Instacart Operations Manager Jodi Montoya. “He was our fi rst shopper and sold it to his friends. He wanted to solve his own problem and it’s grown into a big company.” Instacart came to the Springs a month ago, and created about 100 jobs, Montoya said. “Shoppers will go online, pick their favorite retailer, place the order and pay online,” Montoya said. “The goal is to have delivery within an hour.” Springs stores working with Instacart include Costco, Target, King Soopers, Whole Foods, Safeway, Albertsons, Natural Grocers, Petco and CVS Pharmacy. Prices are usually the same as shopping in the store. “We’re in 70 markets now,” Montoya said. “The goal is 180 markets by end of the year.” Despite success of other options, Lybecker said some shoppers need to go to the store themselves. “Many consumers still like the experiences of looking and touching before purchasing — at least for some items,” Lybecker said. “While online grocery delivery is fast, easy and convenient, I want to be able to personally pick my steaks and thump as many watermelons as needed, until I find one I like.” According to Dr. James Tompkins, chairman and CEO of Tompkins International, who wrote “Food Fight: Discovering Eight Truths of the New Era of Retail,” consumer aren’t loyal about where they shop. And all the competition has helped grocery prices drop, Tompkins wrote. The competition — whether it’s with groceries or clothing, or between the bricks and clicks — benefits consumers, he said. But the internet is far from a perfect solution. “The simplicity of online ordering is lost if I end up making numerous returns because the jeans don’t fit quite right,” Lybecker said. “For some items, shopping at a brick-and-mortar location is unbeatable.” CSBJ n

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Colorado Springs Business Journal

July 21 - July 27, 2017

BUSINESS LEADS Incorporations Filed with the Secretary of State when an individual or business incorporates. ENTITY NO 20171522245 20171526073 20171358694 20171515188 20171515196 20171515463 20171515532 20171515769 20171515797 20171515845 20171515875 20171516210 20171516381 20171516444 20171516470 20171516484 20171516628 20171516646 20171516662 20171516678 20171516797 20171516844 20171516907 20171517026 20171517062 20171517086 20171517091 20171517178 20171517232 20171517463 20171517474 20171517559 20171517560 20171517639 20171517730 20171517779 20171517796 20171517966 20171517978 20171517981 20171518027 20171518028 20171518029 20171518031 20171518033 20171518035

CORPORATION NAME TYPE Dawn Maries Health and Beauty LLC DLLC CRUISE AND TRAVEL VENTURES, LLC DLLC American School Counselor Association FPC Surplus Source LLC DLLC Surplus Outlet LLC DLLC Dance Fuzion, LLC DLLC 416 Rockrimmon LLC DLLC BeautifiedByJess DLLC T & D Services, Inc. FPC HDQ Paint and Properties Solutions, LLC DLLC Orion Game Development LLC DLLC Antero Heights, LLC DLLC Inception Builders LLC DLLC Brain Balance and Harmony, LLC DLLC Crestone, LLC DLLC Kaptur Aerial LLC DLLC MIRANDA WORKS LLC DLLC Inspection City Field Services DLLC SAFE, CLEAN, AND GREEN LTD. DLLC pixiek8 enterprises DLLC Alluring Smiles & Enchanted Kisses, LLC DLLC BK Coatings LLC DLLC ASTERID GROUP LLC DLLC Illegally Healed DNC MiniBeast LLC DLLC Poudre Valley Coating LLC DLLC 210 Pueblo LLC DLLC Bluestar Investments LLC. DLLC Aspen Valley Trading Co. LLC DLLC Highest Standard Cleaning Company, LLC. DLLC Tri Media Holdings Inc DPC Cutsforth Pro Painting LLC DLLC Echelon Healthcare Management, LLC DLLC Almeda Management LLC DLLC QZL Homes, LLC DLLC Two Men and a Duck Entertainment LLC DLLC PAWSITIVE LIFE LLC DLLC BOHOCHIK/FULMER INVESTMENTS LLC DLLC KMOC INC. DPC HERNANDEZ CLEANING LIMITED LIABILITY CO. DLLC No Fluff Consulting, LLC DLLC Charlie’s Treats, LLC DLLC Creative Peripherals, LLC DLLC Storm King, LLC DLLC WriteWood, LLC DLLC Alpha Nu Energy Partners LLC DLLC

FILING 7/7/17 7/10/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/5/17 7/6/17 7/6/17 7/6/17 7/6/17 7/6/17 7/6/17

AGENT SAMANTHA DAVIS Cory Notestine Sean Meyer Sean Meyer Angela Jacobs Jacqueline Parr Jessica Stroh Ken Brown Austin Kettles Regina Coffman Brian Selvig Carolyn Ramagos Kaitlin Boyer Christina Lonigro Wendy Turner Steven Ace Jennifer Elliott Katherine Twitchell John Warren Tyler Cutsforth James Sherman Matthew Stanley Douglas Pierce

AGENT ADDRESS AGENT CITY 7160 painted rock dr Colorado Springs 1514 W COSTILLA ST Colorado Springs 921 E Yampa St Colorado Springs 5755 Kittery Dr. #31333 Colorado Springs 5755 Kittery Dr. #31333 Colorado Springs 253 S. Raven Mine Dr Colorado Springs 383 Kitfield View Colorado Springs 3940 Patrick Dr #15 Colorado Springs 121 S. Tejon Street Colorado Springs 4650 Spring Canyon Heights #202 Colorado Springs 7925 Sangor dr Colorado Springs 121 South Tejon Street, Suite 900 Colorado Springs 2856 Janitell Rd Colorado Springs 1446 Lily Lake Dr Colorado Springs 121 South Tejon Street, Suite 900 Colorado Springs 4875 Bluestem dr Colorado Springs 1155 KELLY JOHNSON BLVD STE 111 Colorado Springs 4745 Broadlake View Colorado Springs 1155 KELLY JOHNSON BLVD STE 111 Colorado Springs 2427 N Nevada Ave Colorado Springs 1085 War Eagle Drive N Colorado Springs 4086 Silver Star Grove Colorado Springs 1155 KELLY JOHNSON BLVD Colorado Springs 7034 Alcove Springs Drive Colorado Springs 5543 Woodmen Ridge View Colorado Springs 1155 Kelly Johnson Blvd, Suite 111 Colorado Springs 28 W. Monument #302 Colorado Springs 116 S 8th St Colorado Springs 1155 Kelly Johnson Blvd Colorado Springs 46 N Belmont St Colorado Springs 949 E Fillmore St Colorado Springs 1135 Nolte Dr W Colorado Springs 12295 Oracle Boulevard Colorado Springs 1880 Office Club Pointe Colorado Springs 906 Pistol River Way Colorado Springs 3655 El Morro Rd Lot 14 Colorado Springs 1155 KELLY JOHNSON BLVD Colorado Springs 1155 KELLY JOHNSON BLVD Colorado Springs 1155 KELLY JOHNSON BLVD Colorado Springs 1155 KELLY JOHNSON BLVD Colorado Springs 121 S. Tejon Street, Suite 900 Colorado Springs 121 S. Tejon Street, Suite 900 Colorado Springs 121 S. Tejon Street, Suite 900 Colorado Springs 121 S. Tejon Street, Suite 900 Colorado Springs 121 S. Tejon Street, Suite 900 Colorado Springs 121 S. Tejon Street, Suite 900 Colorado Springs

STATE ZIP CO 80911 CO 80905 CO 80903 CO 80931 CO 80931 CO 80905 CO 80916 CO 80911 CO 80903 CO 80907 CO 80920 CO 80903 CO 80906 CO 80921 CO 80903 CO 80917 CO 80920 CO 80906 CO 80920 CO 80907 CO 80919 CO 80911 CO 80920 CO 80923 CO 80923 CO 80920 CO 80903 CO 80905 CO 80920 CO 80911 CO 80907 CO 80916 CO 80921 CO 80920 CO 80921 CO 80919 CO 80920 CO 80920 CO 80920 CO 80920 CO 80903 CO 80903 CO 80903 CO 80903 CO 80903 CO 80903

To purchase a combo subscription call Robyn at 719-634-5905, Colorado incorporations (including additional contact information) are available in a sortable Excel format by subscribing to The Transcript. or go17-CSU-02072_Business_PRINT_HVAC_4.75x6.5_4C_FNL.pdf online to subscribe.csbj.com 1 6/26/17 12:39 PM Contact Robyn Kirk – 719-634-5905 to subscribe.

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30 July 21 - July 27, 2017

Colorado Springs Business Journal

EXECUTIVE HOMES

Your source for ﬁne homes in the Colorado Springs area.

For more information call 634-5905

The Bobbi Price Team

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

8267 Ramah Highway – Calhan $675,000

5315 Silver Drive – Park Vista Estates - $425,000 Remodeled & updated 3228 sq. ft. 4 bedroom, 3 bath 1 ½-story on private 0.53 acre lot with big trees & perfect Pikes Peak view. True country living surrounded by city & zoned for horses. Upper level is all a master suite with attached office, sitting area, or nursery. Slab granite & stainless steel kitchen. 2 fireplaces. Vinyl windows. New lighting. 2 ½-car garage & lots of extra parking. 28x24 deck. 36x15 patio & 33x15 covered patio. Trampoline, jungle gym, & shed. Great outdoor living. MLS# 8338141

Gentleman’s horse ranch on 71 acres. Manicured working horse ranch with pride of ownership both inside & out. Builders personal residence that he built for himself. Home is 3006 sq. ft. stucco rancher all on one level. 3 bedrooms, office, 3 baths, & 6 to 7-car garage. 48x36 4 to 6 stall barn. Paddocks. Totally fenced & cross-fenced with multiple pastures. Gated entrances. 25 minutes to Falcon Town Center & 10 minutes to Woodmen & Powers. Perfect condition, very upgraded, & shows like a home. MLS# 5836149

531 Lucky Lady Drive – Woodland Park - $995,000

230 Crystal Park Road – Manitou Mesa - $1,250,000 Authentic Tuscan Villa on 4.3 acres. Absolutely stunning 4009 sq. ft. 3 bedroom, 3 bath villa with total privacy & dramatic sweeping unobstructed mountain, city, & Garden of the Gods views. Every amenity & 1014 sq. ft. finished 3 to 4-car garage. Elevator. Security, fire sprinkler, & intercom systems. In-floor radiant heat. 9-11’ ceilings. Mesquite flooring, beams, & built-ins. Custom stained glass. Gourmet island kitchen. 624 sq. ft. master suite. Low E Pella windows & atrium doors. 4 fireplaces. Beams. Imports. 770 sq. ft. cement wrap-around deck with loggias. Flooded with light & sunshine. MLS# 8040638

FOR SALE

Stunning custom 5000 sq. ft. 5bedrooms, 4 ½ bath stucco walkout rancher on 40 private acres. Total privacy between locked gates & dramatic sweeping 240 degree mountain, forest, golf course, & Pikes Peak views. Surrounded on 2 sides by national forest.4 fireplaces. Soaring ceilings. Huge wraparound deck. 3-car garage. Towering pines & giant rock formations. Cost to build in 2004 was $1,200,000. Come enjoy.

Having an Open House?

2480 N. Powers Blvd Ofﬁce/Warehouse/Storage Zoned PIP2 4.37 Acres 2,250 Sq Ft Ofﬁce

Let our readers know. For more information call 719-634-5905 or email classiﬁeds@csmng.com

Matt Steed (719) 357-2066

msteed@timberlinelandscaping.com

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July 21 - July 27, 2017

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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.

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700333 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 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): DEANA ANN KAMM Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR PREMIER MORTGAGE GROUP, L.L.C., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: March 29, 2005 County of Recording: El Paso Recording Date of Deed of Trust: March 31, 2005 Recording Information (Reception No. and/or Book/Page No.): 205044682 Original Principal Amount: $149,651.00 Outstanding Principal Balance: $117,721.66 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 58, IN RIDGEVIEW SUBDIVISION FILING NO. 5, IN THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED DECEMBER 23, 1998 AT RECEPTION NO. 98189628, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 5671 TOMICHE DRIVE, COLORADO SPRINGS, CO 80922-3405. 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, 08/16/2017, 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

Colorado Statewide Classified Advertising Network To place a 25-word COSCAN Network ad in 91 Colorado newspapers for only $300, contact your local newspaper or call SYNC2 Media at 303-571-5117. EDUCATION HELP WANTED Want to Save Lives? Be a rural Looking for an employment mental health provider! Online, opportunity in Denver? Custom Integrated mental health NP program, Patios, Inc. is looking for laborers BS\DNP\Postgrad Nursing with strong work ethic. Must have CU ANSCHUTZ (303-724-0099) or good MVR and own transportation. ALYSSA.SPURLING@UCDENVER. Call Brenda at 720-289-0524 EDU HELP WANTED WANTED Cash for Mineral Rights Do you know about print, Free, no-risk, cash offer. Contact us email and digital services? with the details: SYNC2 Media is looking for Call: 720-988-5617 someone versed in those products who Write: Minerals, PO BOX 3668, can find clients who will Littleton, CO 80161 benefit from them. Email: Learn more at: opportunity@ecmresourcesinc.com http://tinyurl.com/y9eekp2b SYNC2 MEDIA Buy a 25-word statewide classified line ad in newspapers across the state of Colorado for just $300 per week. Ask about our frequency discounts! Contact this newspaper or call SYNC2 Media, 303-571-5117

other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 6/23/2017 Last Publication: 7/21/2017 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: 04/18/2017 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: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015065 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. EPC201700336 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 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): David P. Abeyta Original Beneficiary(ies): Ent Federal Credit Union Current Holder of Evidence of Debt: Ent Federal Credit Union Date of Deed of Trust: August 13, 2004 County of Recording: El Paso Recording Date of Deed of Trust: August 25, 2004 Recording Information (Reception No. and/or Book/Page No.): 204143800 Original Principal Amount: $100,000.00 Outstanding Principal Balance: $59,250.32 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 79 BLK 5 FOUNTAIN COUNTRY CLUB HEIGHTS EAST FIL NO 1 FOUNTAIN Also known by street and number as: 7225 Franconia Dr., Fountain, CO 80817. 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, 08/16/2017, 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: 6/23/2017 Last Publication: 7/21/2017 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: 04/18/2017 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: Peter M Susemihl #494 Susemihl, McDermott & Cowan, P.C. 660 Southpointe Court, Suite 210 Colorado Springs, CO 80906 (719) 579-6500 Attorney File # ABEYTA 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. EPC201700338 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 19, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Graysak, LLC, a Colorado limited liability Original Beneficiary(ies): Pikes Peak National Bank Current Holder of Evidence of Debt: Pikes Peak National Bank Date of Deed of Trust: January 13, 2006 County of Recording: El Paso Recording Date of Deed of Trust: January 18, 2006 Recording Information (Reception No. and/or Book/Page No.): 206007696 Original Principal Amount: $509,567.00 Outstanding Principal Balance: $451,918.13 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 1 IN ROADWAY INN SUBDIVISION, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO Also known by street and number as: 2405 E. Pikes Peak Ave., Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE

DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 08/16/2017, 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: 6/23/2017 Last Publication: 7/21/2017 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: 04/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Stephen T. Johnson #10226 Lewis Roca Rothgerber Christie LLP 1200 17th Street, Suite 3000 Denver, CO 80202 (303) 623-9000 Attorney File # 258509-00147 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. EPC201700342 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 19, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): GABRIEL B. DAVIS and REBECCA L. DAVIS Original Beneficiary(ies): MORTGAGE REGISTRATION

ELECTRONIC SYSTEMS,

INC.

NOMINEE FOR MORTGAGE INVESTORS GROUP,

ITS

SUCCESSORS

AND

ASSIGNS Current Holder of Evidence of Debt: THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWALT, INC., ALTERNATIVE LOAN TRUST 20066CB,

MORTGAGE

PASS-THROUGH

CERTIFICATES, SERIES 2006-6CB Date of Deed of Trust: February 07, 2006 County of Recording: El Paso Recording Date of Deed of Trust: February 16, 2006 Recording Information (Reception No. and/or Book/Page No.): 206024170 Original Principal Amount: $140,000.00 Outstanding Principal Balance: $132,973.53 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 7, BLOCK 5, PALMER HEIGHTS ADDITION NO.2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1349 BENNETT 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, 08/16/2017, 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: 6/23/2017 Last Publication: 7/21/2017 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: 04/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-014473 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

Colorado Springs Business Journal

July 21 - July 27, 2017

PUBLIC NOTICES COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700344 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 19, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Clarence Ignatius Bachmeier and Sonja A. Bachmeier Original Beneficiary(ies): The Money Store Investment Corporation Current Holder of Evidence of Debt: Wells Fargo Bank, National Association Date of Deed of Trust: August 24, 2000 County of Recording: El Paso Recording Date of Deed of Trust: August 25, 2000 Recording Information (Reception No. and/or Book/Page No.): 200101291 Original Principal Amount: $229,500.00 Outstanding Principal Balance: $92,257.63 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. See Exhibit A attached hereto. EPC201700344 EXHIBIT A The property referred to herein is situated in the State of Colorado, County of El Paso and described further as follows: THE SOUTHERLY 60 FEET OF THE NORTHERLY 200 FEET OF LOT 7 IN BLOCK C IN SUNNYSIDE, NOW A PART OF THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO, TOGETHER WITH A NON-EXCLUSIVE RIGHT OF WAY FOR UTILITY PURPOSES OVER, UNDER AND ACROSS THE EASTERLY 6 FEET OF THE SOUTH 17.8 FEET OF SAID LOT 7, AND THE EASTERLY 6 FEET OF LOT 6, BLOCK C, SUNNYSIDE, EXCEPT THAT PORTION CONVEYED TO THE CITY OF COLORADO SPRINGS IN WARRANTY DEED RECORDED JANUARY 4, 1999 AT RECEPTION NO. 99000732. Together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances; all water, water rights and ditch rights (including stock in utilities with ditch or irrigation rights); and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters. Also known by street and number as: 1218 North Academy Boulevard, 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, 08/16/2017, 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: 6/23/2017 Last Publication: 7/21/2017 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: 04/19/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Timothy F. Brewer #32946 Timothy F. Brewer, P.C. 444 East Pikes Peak Avenue, Suite 200 Colorado Springs, CO 80903 (719) 477-0225 Attorney File # Bachmeier 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. EPC201700350 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 21, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): DESMOND A MARTIN and JENNEL L MARTIN Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for LOANDEPOT. COM, LLC Current Holder of Evidence of Debt: LOANDEPOT.COM, LLC Date of Deed of Trust: April 19, 2016 County of Recording: El Paso Recording Date of Deed of Trust: June 02, 2016 Recording Information (Reception No. and/or Book/Page No.): 216059750 Original Principal Amount: $238,236.00 Outstanding Principal Balance: $235,870.44 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 179, RIDGEVIEW AT STETSON HILLS FILING NO. 11, IN THE CITY OF COLORADO, SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6230 POUDRE WAY, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 08/23/2017, 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: 6/30/2017 Last Publication: 7/28/2017 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: 04/21/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-769005-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. EPC201700358 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 24, 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): DANNY RAY BRITTON Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE INVESTORS CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: FREEDOM MORTGAGE CORPORATION Date of Deed of Trust: November 13, 2012 County of Recording: El Paso Recording Date of Deed of Trust: November 21, 2012 Recording Information (Reception No. and/or Book/Page No.): 212138954 Original Principal Amount: $183,525.00 Outstanding Principal Balance: $172,559.13 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 7, FALCON RIDGE AT SPRINGS RANCH FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4731 FALCONS HOOD PT, 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, 08/23/2017, 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: 6/30/2017 Last Publication: 7/28/2017 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: 04/24/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015134 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. EPC201700363 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 25, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): The Jose E. Leon Declaration of Trust, Dated December 12, 1996 Original Beneficiary(ies): Washington Mutual Bank, FA Current Holder of Evidence of Debt: MTGLQ Investors, L.P. Date of Deed of Trust: December 26, 2003 County of Recording: El Paso Recording Date of Deed of Trust: January 12, 2004 Recording Information (Reception No. and/or Book/Page No.): 204006327 Original Principal Amount: $128,223.00 Outstanding Principal Balance: $137,722.95 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 127, RIDGEVIEW AT STETSON HILLS, FILING NO. 23, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6207 Balance Circle, 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, 08/23/2017, 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: 6/30/2017 Last Publication: 7/28/2017 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: 04/25/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-741752-JS The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700385 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On April 28, 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): MILLIE M KUMAR Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS Current Holder of Evidence of Debt: MORTGAGE RESEARCH CENTER, LLC D/B/A VETERANS UNITED HOME LOANS, A MISSOURI LIMITED LIABILITY COMPANY Date of Deed of Trust: June 26, 2015 County of Recording: El Paso Recording Date of Deed of Trust: July 06, 2015 Recording Information (Reception No. and/or Book/Page No.): 215071091 Original Principal Amount: $146,000.00 Outstanding Principal Balance: $143,145.27 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. PLEASE SEE ATTACHED LEGAL DESCRIPTION EPC201700385 LEGAL DESCRIPTION Condominium Unit 205, Building 5378, and Garage Space No. 94, Garage Building 9, all in Palomino Ranch at Stetson Ridge Condominiums, according to the Declaration thereof filed for record in the Records of the Office of the Clerk and Recorder of El Paso County, State of Colorado on May 3, 2007 at Reception No. 207059885, and as Defined and described in the Condominium Map for Palomino Ranch at Stetson Ridge Condominiums recorded on May 3, 2007 at Reception No. 207600823, in said Records, County of El Paso, State of Colorado. Also known by street and number as: 5378 PALOMINO RANCH PT, UNIT 205, 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, 08/30/2017, 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: 7/7/2017 Last Publication: 8/4/2017 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: 04/28/2017 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 # 00000006710982 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. EPC201700387 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 1, 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): REGINA OLDFIELD Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for AEGIS WHOLESALE CORPORATION Current Holder of Evidence of Debt: FEDERAL NATIONAL MORTGAGE ASSOCIATION (“FANNIE MAE”), a corporation organized and existing under the laws of the United States of America Date of Deed of Trust: October 21, 2005 County of Recording: El Paso Recording Date of Deed of Trust: October 27, 2005 Recording Information (Reception No. and/or Book/Page No.): 205171301 Original Principal Amount: $144,400.00 Outstanding Principal Balance: $135,888.00 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3, SAN LUIS ESTATES NO. 2, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 2607 STURGIS ROAD, 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, 08/30/2017, 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: 7/7/2017 Last Publication: 8/4/2017 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

34 July 21 - July 27, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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: 05/01/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-769201-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. EPC201700390 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 1, 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): DONALD P. WEBB and KATHLEEN M. WEBB Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for QUICKEN LOANS INC. Current Holder of Evidence of Debt: QUICKEN LOANS INC. Date of Deed of Trust: January 30, 2012 County of Recording: El Paso Recording Date of Deed of Trust: February 03, 2012 Recording Information (Reception No. and/or Book/Page No.): 212012909 Original Principal Amount: $250,909.00 Outstanding Principal Balance: $230,366.14 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 89, STETSON RIDGE HIGHLANDS, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5776 CAITHNESS 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, 08/30/2017, 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: 7/7/2017 Last Publication: 8/4/2017 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: 05/01/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Lisa Cancanon #42043 Weinstein & Riley, P.S. 11101 West 120th Ave., Suite 280 Broomfield, CO 80021 (303) 539-8601 Attorney File # 47503467 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. EPC201700403 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): KAY KIMBERLY CREAMER Original Beneficiary(ies): FIRST HORIZON HOME LOANS, A DIVISION OF FIRST TENNESSEE BANK N.A. Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: June 15, 2007 County of Recording: El Paso Recording Date of Deed of Trust: June 15, 2007 Recording Information (Reception No. and/or Book/Page No.): 207081697 Original Principal Amount: $126,500.00 Outstanding Principal Balance: $108,308.47 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 EPC201700403 LEGAL DESCRIPTION THAT PORTION OF LOT 13, IN BLOCK M IN EAST HILLS DESCRIBED AS FOLLOWS: BEGINNING AT THE NORTHWEST CORNER OF SAID LOT 13; THENCE EAST ON THE NORTH LINE OF SAID LOT 13, A DISTANCE OF 50 FEET; THENCE SOUTHERLY PARALLEL WITH THE WEST LINE OF SAID LOT 13, A DISTANCE OF 165 FEET; THENCE WEST ON A LINE PARALLEL WITH THE NORTH LINE OF SAID LOT 13 TO THE WEST LINE THEREOF; THENCE NORTHERLY ON SAID WEST LINE TO POINT OF BEGINNING, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2433 EAST MONUMENT STREET, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on

Wednesday, 09/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/14/2017 Last Publication: 8/11/2017 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: 05/04/2017 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: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015216 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. EPC201700405 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): William E. Carver Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Village Capital & Investment, LLC Current Holder of Evidence of Debt: Village Capital & Investment, LLC Date of Deed of Trust: August 14, 2014 County of Recording: El Paso Recording Date of Deed of Trust: August 19, 2014 Recording Information (Reception No. and/or Book/Page No.): 214075302 Original Principal Amount: $142,934.00 Outstanding Principal Balance: $137,433.77 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 27 IN BLOCK 3 IN PALMER HEIGHTS SUBDIVISION NO. 3 TO THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1718 Clemson Dr, 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, 09/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/14/2017 Last Publication: 8/11/2017 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: 05/04/2017 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: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210 Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00178-1 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700406 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): MATTHEW B LIVINGSTON and SHANNON L LIVINGSTON Original Beneficiary(ies): GORDON MALIK and LINDA MALIK Current Holder of Evidence of Debt: GORDON MALIK and LINDA MALIK Date of Deed of Trust: January 03, 2012 County of Recording: El Paso Recording Date of Deed of Trust: January 06, 2012 Recording Information (Reception No. and/or Book/Page No.): 212001988 Original Principal Amount: $265,000.00 Outstanding Principal Balance: $244,902.23 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 86 IN RIDGEVIEW AT STETSON HILLS FILING NO. 35, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO Also known by street and number as: 6904 COOL SPRING WAY, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/06/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/14/2017 Last Publication: 8/11/2017 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: 05/05/2017 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: Bruce M. Rands #33391 Torbet Tuft & McConkie, LLC 2 N. Cascade Ave., Suite 320 Colorado Springs, CO 80903 (719) 475-9300 Attorney File # MALIK 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. EPC201700414 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): Thomas R Mulkey Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Mortgage Solutions of Colorado, LLC Current Holder of Evidence of Debt: MORTGAGE SOLUTIONS OF COLORADO, LLC Date of Deed of Trust: April 25, 2016 County of Recording: El Paso Recording Date of Deed of Trust: April 26, 2016 Recording Information (Reception No. and/or Book/Page No.): 216043492 Original Principal Amount: $312,456.00 Outstanding Principal Balance: $310,383.21 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 40, WHISPERING SPRINGS FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7522 CALM OASIS PLACE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN

IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/21/2017 Last Publication: 8/18/2017 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: 05/11/2017 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: Scott D. Toebben #19011 Randall S. Miller & Associates PC 216 16th Street, Suite 1210 Denver, CO 80202 (720) 259-6710 Attorney File # 17CO00168-1 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700419 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 12, 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): HEATHER SOPER, RICHARD A HENNAGER, and LAURIE A HENNAGER Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for BANK OF AMERICA, N.A., its successors and assigns Current Holder of Evidence of Debt: CARRINGTON MORTGAGE SERVICES, LLC Date of Deed of Trust: June 10, 2009 County of Recording: El Paso Recording Date of Deed of Trust: June 15, 2009 Recording Information (Reception No. and/or Book/Page No.): 209067392 Original Principal Amount: $149,775.00 Outstanding Principal Balance: $128,742.94 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 12 IN BLOCK 8 IN STETSON HILLS

Colorado Springs Business Journal

July 21 - July 27, 2017

PUBLIC NOTICES SUBDIVISION FILING NO. 10B, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 6169 DESOTO 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, 09/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/21/2017 Last Publication: 8/18/2017 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: 05/12/2017 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 # 17-015251 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. EPC201700429 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 17, 2017, the undersigned Public

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 EPC201700429 LEGAL DECRIPTION That portion of the Southeast quarter of the Southwest quarter of Section 4 in Township 14 South, Range 66 West of the 6th P.M., formerly a portion of Tract 66 in East Hills Addition No. 1, now vacated, described as follows: Beginning at a point on the East line of said Tract 66 a distance of 70 feet Northerly thereon from the Southeast corner of said Tract 66; thence Northerly on said East line 55 feet; thence Westerly, parallel with the South line of Tract 66, a distance of 110 feet to a point, said point being on the Easterly line of Block 4 of Conover Subdivision Filing No. 4, recorded in Plat Book F2 at Page 63 of the of El Paso County, Colorado; thence Southwesterly on the the Easterly line of said Block 4 to Intersect a line drawn Westerly from the point of beginning and parallel with the Southerly line of said Tract 66; thence Easterly on said parallel line to the Point of Beginning, in the City of Colorado Springs, County of El Paso, State of Colorado. Also known by street and number as: 1718 MCARTHUR 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, 09/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/21/2017 Last Publication: 8/18/2017 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

THE

PROHIBITION

DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT

WITH

THE

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

and Demand relating to the Deed of Trust

Iowa City, Iowa 52244

described below to be recorded in the

(855) 411-2372

Original Grantor(s): ANDREW F QUINLAN Original Beneficiary(ies): ENT FEDERAL CREDIT UNION Current Holder of Evidence of Debt: ENT CREDIT UNION Date of Deed of Trust: October 25, 2012 County of Recording: El Paso Recording Date of Deed of Trust: October 29, 2012 Recording Information (Reception No. and/or Book/Page No.): 212127449 Original Principal Amount: $139,500.00 Outstanding Principal Balance: $141,833.64 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:

COLORADO

ATTORNEY GENERAL, THE FEDERAL

Trustee caused the Notice of Election

County of El Paso records.

www.consumerfinance.gov DATE: 05/17/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015666 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. EPC201700432 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 17, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Joshua J White Original Beneficiary(ies): National City Mortgage, a division of National City Bank of Indiana Current Holder of Evidence of Debt: Nationstar Mortgage LLC Date of Deed of Trust: June 30, 2006 County of Recording: El Paso Recording Date of Deed of Trust: July 05, 2006 Recording Information (Reception No. and/or Book/Page No.): 206098215 Original Principal Amount: $119,920.00 Outstanding Principal Balance: $118,787.71 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 13, BLOCK 4, AUSTIN ESTATES SUBDIVISION NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1014 Kingsley Dr, 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, 09/13/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/21/2017 Last Publication: 8/18/2017 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: 05/17/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-768532-LL The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. EPC201601198 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

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person entitled: Jonathan J. Chong Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest: 1188 Mission St Apt 2316, San Francisco, CA 94103 Recording Date of Deed of Trust: December 19, 2003

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Recording Information: 203290756 Recording Date of Notice of Election and Demand:

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December 05, 2016 Recording

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Election and Demand: 216140503 Legal Description of Property LOT 3, L & R SUBDIVISION, COUNTY

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OF EL PASO, STATE OF COLORADO Street Address of Property 808 Bennett Avenue, Colorado Springs, CO 80909 NOTICE OF UNCLAIMED OVERBID FUNDS I sold at public auction, at 10:00 on 4/12/17, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within six months from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part

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of the “Unclaimed Property Act”, pursuant to Colorado law. Date: 6/19/17 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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