Colorado Springs Business Journal July 28, 2017 by Colorado Springs Business Journal

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VOLUME 28, NUMBER 17 | July 28 - Aug. 3, 2017 | 2.00 $

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$1M grant to boost Springs’ cyber status By Helen Robinson

ikes Peak Community College has received a grant of almost $1 million to become National Security Agency certified, which will bring the number of NSA-certified colleges in Colorado Springs to five. PPCC Cybersecurity Director Gretchen Bliss said this concentration of NSA-certified colleges will boost Colorado Springs’ reputation as a hub for cybersecurity education and training. It is part of a larger effort to make Colorado Springs a national cybersecurity hub, and to meet the pressing need for a qualified cybersecurity workforce locally. “We have so much demand. If everybody who’s doing cybersecurity in Colorado Springs goes full speed for the next five years, we will barely meet the need that’s out there right now,” Bliss said. “The key piece of this effort is to build a partnership with industry that will identify and quantify the industry cybersecurity education, experience and certification needs so we can build a program that will meet those needs quickly and efficiently.” The Pikes Peak Regional Defense Assistance Program grant was awarded by the Department of Defense Office of Economic Adjustment, and PPCC received the funding this month. The Colorado Springs Chamber & EDC is the sub-grantee. The college will use its portion of the grant to develop the NSA/DHS National Centers of Academic Excellence in Cyber Defense Two-Year Education (CAEY2) information assurance program at PPCC, Bliss said. The NSA jointly sponsors the National Centers of Academic Excellence in Cyber Defense program with the Department of Homeland Security. See Grant page 18

Photo by Helen Robinson

Larry Lilly works the Tangent press at Qualtek Manufacturing. The company is collaborating with other local manufacturers on large projects.

Manufacturers test new strategies for success C By Helen Robinson

olorado has received a D grade — again — on Ball State University’s annual Manufacturing and Logistics Report Card. But local manufacturers and industry groups are working to strengthen the industry in novel ways. The state was graded D for manufacturing, D for global position, C+ for human capital, C for tax climate, C for diversification and C- for expected fiscal liabilities gap, with better grades for benefits cost (B-) and productivity and innovation (B). Colorado’s grades have been largely consistent over the 10 years Ball State’s Center for Business and Economic Research has been preparing the report, although this year its logistics grade improved slightly from D to D+. The report shows how each state ranks among its peers in several areas of the economy that underpin the success of manufacturing and logistics, according to Ball State. Ball State’s Michael Hicks, director of the Center and author of the report, said while “Ds are bad, that is for sure,” the grades reflect the fact that only a small share of Colorado’s economy is in manufacturing and logistics. Colorado has not leveraged growth in manufacturing or 6

FOCUS

Is there a trend of larger banks buying up their smaller counterparts? Find out in the Focus.

Hazlehurst: Peaceful progress ..... 3 Phishing with the Journal ............. 5 Southwest plan analysis ...............6 1-on-1: Jeff Kaiser (left)................ 7 YP: Andrea Sinclair ....................... 9 CSBJ’s Mayors Panel ................. 11 People on the Move..................... 12

EDITORIAL: SPRINGS A SMART GIGABIT CITY?

56525 10751

BANKS

INSIDE

logistics over the past decade despite “fairly strong growth nationwide,” he said. “The C grades aren’t necessarily the problem, except that they tend to happen across the board, with the exception of productivity and innovation,” Hicks said in an email. “... It is a bit disappointing for Coloradans that more manufacturing fi rms haven’t moved or expanded to Colorado. You have great quality of life, superb universities and should be a hub of technically advanced manufacturing.” Hicks suggested part of the problem lies with the perception that the state isn’t really prepared to accept manufacturing firms. “I think that is a mistake, since you would have a large available labor force for modern manufacturing,” he said. Christopher Fagnant, president at Springs-based Qualtek Manufacturing Inc. and a third-generation manufacturer, said the report was “disappointing to see,” but it made sense given the criteria. “A report card like that doesn’t really worry me,” he said. “There’s a lot of work to be had out there, and it’s really a matter of people going out and getting it.” Qualtek is tackling that challenge by teaming with See Grade page 19

2 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

CSBJ.com Poll

CSBJ OPINION

Springs poised to join Ignite cities The issue: The Springs has the opportunity to join a nationwide network of smart, connected cities. What we think: Business and community leaders should lend their time and talent to the effort. Tell us what you think: Send us an email at editorial@csbj.com.

n Tuesday night, about 80 business leaders gathered for the kickoff of local efforts to become a “Smart Gigabit Community,” a designation developed by a Washington, D.C.-based nonprofit called US Ignite (us-ignite.org). The goal was to raise enthusiasm and interest in developing ultra-high-speed internet connections to develop applications that could make the city safer, more energy efficient and more attractive to business development and economic growth. The US Ignite team painted an enthusiastic picture — other cities have developed STEM (science, technology, engineering and math) career schools, and a Louisiana town worked to loop the private sector into the state’s emergency management operations system used for disasters. The entry level is pretty low — $20,000 will get the support of the national nonprofit, connections to other “smart” cities and aid in finding federal funding for infrastructure needs. The project has the support of Mayor John Suthers, the Southern Colorado Women’s Chamber and Catalyst Campus. It’s an opportunity the city shouldn’t pass up. And business leaders should join the effort, which essentially is a public-private partnership. If it’s going to work here, it will take a lot of collaboration and months of brainstorming, as well as a financial investment from

the private sector. Organizers believe there will be state and federal grants to assist, and large national companies will want to get in on the ground floor as well. The work is necessary, they say, and Colorado Springs will reap big dividends in the end. Thanks to the Internet of Things — smart cars, smart refrigerators, smart houses — machines now do most of the talking to each other over the internet. It makes sense to get in on rapidly changing technology now so the city can develop smart applications. Maybe we connect high-speed fiber optic cable to every home, which makes it easier to connect to educational opportunities around the globe. We could develop an application that creates a new way to train a high-tech workforce. Maybe we’ll take a page from Louisiana and create an app that will connect the private sector with emergency management operations statewide during wildfire season for more efficient use of resources. Or we could develop applications to identify places for infill development projects, or ones that can show us how to best manage transportation and infrastructure needs throughout the city. For Lola Woloch, executive director of the women’s chamber, the decision to become a smart community is about economic development. With a smart city designation and high-tech resources, she said companies will flock to the region. The city believes it can make more efficient use of its resources with applications developed in the process and also sees the Springs attracting global attention for its fast internet connections. Being a smart city could do all those things, if business, civic and community leaders get involved now and stay engaged during the process. It will take months to find the money, develop the right apps and leverage the applications developed in other cities. Let’s embrace the local Ignite movement. We’ll be creating the city of the future — today. CSBJ n

Which candidate do you support in the House of Representatives race next year?

Someone else, please. Darryl Glenn Owen Hill Doug Lamborn

42% 27% 19% 12%

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

Given the ambitious plans to develop Southwest Downtown, should the city accelerate plans to close Martin Drake Power Plant? See past results at csbj.com/democracy-archives

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

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Colorado Springs Business Journal

July 28 - Aug. 3, 2017

OPINION: HAZLEHURST

Peaceful communities are successful communities

et’s see; I fi rst engaged in Colorado Springs politics in June 1960, when I accompanied my best friend’s father, Judge Austin Hoyt, to the state Democratic convention. I was an unpaid “gofer,” an intern in today’s polite parlance. The judge, a fervent Democrat, was fi rmly in Adlai Stevenson’s camp. I liked John F. Kennedy, but I wasn’t a HAZLEHURST delegate and, at 19, too young to vote then anyway. To my amazed delight, Kennedy showed up, gave a speech and wowed the assembled Democrats. I even shook the great man’s hand, but conceived an instant dislike to Ted, his officious little punk brother — I would have been so much better! It was clear that Ted would never amount to anything. Unlike most politicians I’d encountered, Kennedy seemed like a real person, someone you could relate to, someone to emulate. That meeting had its effect, I guess, eventually triggering a modest late-life career in Colorado Springs politics and journalism. Along the way, I’ve made some obvious discoveries. Here’s one: Political combats are like schoolyard fights or barroom brawls. The more you get into them, the more you risk injury. Communities that avoid divisive quarrels are more successful than those who eagerly embrace them. We’ve had plenty of fights in the past 30 years. Douglas Bruce and the Taxpayer’s Bill of Rights; Will Perkins and Amendment 2; “Culture Wars” of the 1990s; invented disharmony between suburban conservatives and urban liberals; turned-off streetlights

John

and unwatered parks; the never-gonna-happen downtown convention center; the new airport terminal; the teen curfew — it’s a long list. It’s fun to fight, especially when you believe that you’re on the side of Truth, Justice and the American Way. Politicians invariably portray themselves as “fighters,” ready to defend their constituents and march bravely into battle. In our hyper-partisan era, no one ever gets elected by promising to compromise, collaborate and fraternize with the enemy. Our city is more secure, prosperous and peaceful than at any time in my memory. Thanks in part to the remarkable John Suthers, the adroit Chief of Staff Jeff Greene and our strangely progressive city council, we may be on the verge of amazing things. Maybe this isn’t just another transient boom, but a long-term transformation. Think Denver in 1987, as residents of the dusty little cow town listened to then-Mayor Federico Peña’s much-mocked advice: ‘Imagine a great city!’ Turned out that “Feddy and the Dreamers” were right. Becoming a great city means abandoning old fights and avoiding new ones, moving forward constructively and working together. Here are some issues to avoid, some to debate and some to put away for good: • They kill deer, don’t they? This one could be bitter and nasty, bring national publicity and please no one except a few gardeners, bow hunters and command-and-control freaks. Out on an early morning bike ride a few days ago, I stopped on a quiet neighborhood street as five antlered bucks in velvet

ambled quietly by. It was magical and beautiful, an encounter with part of our beloved Westside herd. Yeah, they’re too tame and yeah, they ate all of my almost-ripe garden corn a couple of years ago, but we love them! They’re wild, free and safe. • Council referral of a measure to legalize recreational cannabis to city voters? Given that city voters appear to be evenly split on the issue and given that most local cannabis users appear to have opted for medical, this might be a fight to avoid. And with Attorney General Jeff Sessions and his federal drug warriors newly empowered by President Trump, a “yes” vote might be meaningless. Better to wait for 2020 and President Michelle Obama! • Banning-Lewis Ranch — threat or menace? Neither. When fi nished, it’ll likely be the most desirable, affordable, bike/pedestrian-friendly suburban community in the state. Imagine a great core city and great suburbs, linked by shared goals and common responsibilities. This is an opportunity to heal a longstanding urban wound, not create a new fight venue. • Martin Drake Power Plant — is coal our goal? Whatever they may think about global climate change, Mayor Suthers, city council and Utilities staff all understand a coal-fi red downtown power station is bad for business, so why not accelerate its decommissioning? Imagine the dreary, polluting old hulk replaced by sparkling development and grassy parkland! Downtown businesses would rejoice, visitors would be delighted, you’d love it, I’d love it and the deer might even come and visit. CSBJ

Maybe this isn’t just another transient boom, but a longterm transformation.

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4 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

Space Corps targeting Colorado Springs By Bob Stephens

new branch of the United States military — the Space Corps — will be headquartered in Colorado Springs, provided it becomes a reality. Space Corps is a provision in the National Defense Authorization Act passed by the House Armed Services Committee last month. Rep. Doug Lamborn of Colorado Springs serves on the committee and said, despite protests from Air Force officials, that the creation of Space Corps is vital to national defense. The branch would be housed under the Air Force, with its Chief of Staff answering to the Secretary of the Air Force. It would be the fi rst new branch of the U.S. military since the Air Force was formed in 1947. “The first priority is our national security,” Lamborn said. “It’s also a win-win situation in that our local economy benefits from having a Space Corps that is headquartered in Colorado Springs. That gives our community additional clout, and eventually additional jobs, but the bottom line is national security is enhanced, and that’s always got to come first.” Rep. Mike Rogers of Alabama, chairman of the House Armed Services Committee, echoed Lamborn’s thoughts. “This is a real national security concern,” Rogers said. “Doug and I can’t tell you the specifics because it’s all classified. But it’s very sobering when you see what China and Russia are doing and that they are about to surpass our capabilities in space if we don’t do something. “Space has been growing in importance, not only in our daily lives and commercially, but in our military. Over the last 10 to 15 years it has become absolutely essential for almost everything we do militarily to fight and win wars.”

Rogers said the Air Force hasn’t made space domiand facilities at both Peterson and Schriever Air Force bases would be utilized “and would all grow as the nance a priority, focusing instead on air dominance, focus dramatically shifted to space warfighting and so Congress needs to step in. budgets were finally prioritized for space requirements.” “This is our role, to oversee when things aren’t Fletcher said there is “massive growth potential for working and move people in the right direction,” local installations and industry” and that the Air Force he said. “Bureaucracies don’t want to change and Academy “could be the center of recruitment and basic aren’t going to change unless you make them. The training for the Space Corps.” second thing is — and I hate to Colorado Springs Chamber & be crass, but it’s just a fact — they EDC Government Affairs Manager don’t want that money pot taken Rachel Beck said in an email: away. The fact is, the space budget “Because the defense industry is has been used by the Air Force as a a crucial part of our regional and money pot to pay for air platforms state economy, we are closely trackwhen they felt like Congress didn’t ing the proposal and continue to give them enough money for their participate in discussions with air dominance roles. That’s just a stakeholders on both sides of the fact; it’s been happening for a long — Rep. Doug Lamborn matter. The legislation still has a time. That can’t be allowed to go long way to go before it would be on any more because space chalimplemented. We need to better understand how the lenges have become so threatening, we can’t allow Space [Corps] would be structured in order to assess that budget to be pilfered any longer.” ramifications for our regional economy.” The provision passed 58-4 with bipartisan commitFletcher said the unclassified space budget is about tee support, Rogers said. The Senate has yet to address $10 million and the classified budget is twice that. the proposal — though Rogers said staffers indicate “I know this is a controversial proposal that’s been there is support — and the White House would have put into the National Defense Authorization Act,” to sign a bill creating the new military branch. The Lamborn said. “However, we are convinced — almost Secretary of the Air Force, Heather Wilson, would unanimously on the Armed Services Committee, and then have six months to design Space Corps — subcertainly on the [strategic forces] subcommittee — ject to Congressional approval, Rogers said — with that because the need is so great, we have to act now. implementation set for 2019. “We have a very solid proposal. At this point, it’s Rogers said Space Corps personnel and funding going to be the House and the Senate negotiating would be segregated from the Air Force. The Air Force something and then sending it to the White House. Space Command has been at Peterson Air Force Base So change is in the air. The train has left the station. in Colorado Springs since 1982. We’re not going to go along with the status quo. The Job growth is uncertain, although Lt. Commander needs are too great; our national security is too imSam Fletcher, who is Lamborn’s lead military staffer portant.” CSBJ in Washington, D.C., said in an email that personnel

“That gives our community additional clout, and eventually additional jobs ...”

14th Annual

“Going for the Green” Golf Classic

Individuals: $195 Foursomes: $700

August 14 • Tee Time: 8:30am Country Club of Colorado at Cheyenne Mountain Resort Start your work week by networking and playing for the community on a course designed by Pete Dye to challenge players at any level. Proceeds from the event go to support free outreach and education efforts in our community.

Hosted By:

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

OPINION: SWEET

NCC classes teach affordable cyber defense

arlier this week, readers of the Colorado Springs Business Journal received an email that looked — at first glance — like a request to update their email address. In reality, it was a message designed to raise awareness about cybersecurity issues and the threat to all businesses, and to let readers know about the National S W E E T Cybersecurity Center’s latest business training seminar. Some things that should have tipped people off: the blurry CSBJ logo, next month’s date, the fact we don’t send emails like this. Still, about 20 percent of the recipients clicked on the email. And if it had been nefarious, those businesses, nonprofits and home networks would have been compromised. Not everyone saw the benefit of the email — some accused us of tacky marketing stunts for an event; some said there was too much of the real thing out there to waste their time with the fake phishing email. But others said they appreciated the effort to show that no matter how stringent the fi rewall or the antivirus program, the human link is the weakest. For all too many businesses, people represent the biggest threat to their cybersecurity — clicking on links that seem legitimate, responding to email clones that seem like they are from the boss, allowing malware into the system. Recently, I heard of a nonprofit whose human resources manager received an email from her boss who was out of town on a business trip. The email asked

Amy G.

for the W-2s of every single employee. It was from the boss, right? So she emailed out the employees’ information — and put each of them at risk. To add insult to injury, the nonprofit didn’t have cybersecurity insurance, meaning it had to pay for identity theft protection for every employee, past and present. Cybersecurity should be a part of every business plan. How do you protect your clients’ identities; how do you safeguard the company’s accounting information, its bank accounts and your employees’ identifying information? Unfortunately, too many companies try to go it alone, don’t have the right security protocols in place and have failed to educate employees about the dangers of cybercrime. Experts say the costs associated with cybercrime will climb to $6 trillion a year by 2021. Much of that money is spent on trying to pay for identity-theft protection, covering client expenses and trying to rebuild corporate reputations as a trusted place to do business. All the cybercrime — socially engineered attacks, fake Wi-Fi setups, false email links — means that cybersecurity should be top of mind, no matter where the email comes from. And for all the ways criminals are probing networks, prying at corners, checking out social media for the right clues and information about a business, there are ways to combat and correct errors to prevent unlawful and costly network intrusions. About 80 percent of the 3,500 people who received the CSBJ email recognized it as suspicious. They didn’t click on the email; they were cautious. Those who did click were directed to a webpage that defined phishing

attacks — and they were given information about the NCC’s upcoming oversight seminar. The results don’t surprise Rodney Gullatte, owner of Firma IT Solutions and sponsor of the upcoming cybersecurity training. People, he says, never learn. And too often, businesses place cybersecurity — and paying for it — at the bottom of their priorities lists. He routinely works with businesses that have failed to safeguard clients’ personal information. Through its education, research and a rapid-response component, the NCC’s goals are to help businesses learn how to protect networks, train employees to delete the suspicious email, and help formulate a response if the unthinkable happens. The training in Colorado Springs is just one of several seminars across the state. Limited to 25 people, it’s an opportunity to learn from experts about the cyber criminals who are out there, their ever-evolving methods and where the biggest threats come from. CSBJ n

If you go: National Cybersecurity Center Oversight Training When: 8 a.m.-noon, Thursday, Aug. 10 Where: Catalyst Campus Cost: $100 RSVP: nationalcybersecuritycenter.org/events

6 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

Analysis: Southwest plan reviews mixed “This is a once-in-a-generation project,” said Planning Manager Ryan Tefertiller, introducing the he 83-page Southwest Downtown Concept plan. “It truly is city-building. It will be noted nationally Plan, unveiled to Colorado Springs City and internationally.” Council during its July 24 work session, is City Chief of Staff Jeff Greene concurred, saying, “It long on gauzy renderings, optimistic finanwill transform, energize and benefit all of our citizens. cial projections and enthusiastic proponents. It’s short We’re at a critical juncture — it’s time for us to act.” on private-sector commitments, and its estimates The plan’s substance is in the complex public fundof job creation, new construction and increased tax ing structure that will hopefully enable and ignite revenues don’t include any supporting data. private investment. The plan’s 20-year projections call for 5.2 milIt’s no secret that much of the area, largely owned lion square feet of mixed-use urban development, and/or controlled by Jenkins family interests and including 4,500 residential units, 750,000 square Nor’wood Development Group, is blighted and feet of new office space, 150,000 square feet of retail/ crumbling. The Urban Renewal restaurant space and 500 new hoAuthority authorized the existtel rooms. ing Southwest Downtown Urban All this will bring massive Renewal Area and plan in 2001, benefits, according to the plan’s but no development ever took authors, who expect total priplace. vate-sector investment of approxSuch areas can issue tax increimately $1.8 billion, more than ment financing bonds to support 5,000 new jobs and as much as development, but the bonds can $170 million in additional tax only be issued with maturity dates — Richard Skorman receipts. that are no later than the 25-year statutory life of the urban renewal Illustrations show a gleaming area. Since the present urban rethicket of medium-rise buildings lining pleasantly newal area is 16 years old, it couldn’t issue long-term landscaped, pedestrian-friendly streets. A 19-story bonds. For development to move forward, the city prohotel, a 17-story office tower and a 15-story residenposes to create a new urban renewal area this year, tial block are the centerpieces, clustered near the U.S. as well as two metropolitan districts and a business Olympic Museum and Hall of Fame now under conimprovement district. struction at the foot of Vermijo Avenue. The two MDs and the BID would collect mill levy None of the renderings show the frequent coal trains assessments, documents show, dedicated to “initial that pass through the area or, as Councilor Bill Murray and ongoing capital infrastructure and district mainpointed out at Monday’s presentation, the looming tenance/upkeep.” The MDs would collect residential smokestacks of the Martin Drake Power Plant. assessments, while the BID would collect commercial City staffers who presented the plan were uniformly assessments and levy a private sales tax (described as a enthusiastic. By John Hazlehurst

“I think this is one of the best things we can do for our community and our future.”

“public improvement fee”) on retail sales. The district’s existing mill levy is 62.749 mills. This structure also has been used in the Gold Hill Mesa and Lowell School urban renewal areas. Those three entities, along with an as-yet-undetermined amount of TIF funding through the Urban Renewal Authority, would provide much of the infrastructure funding for the project. Funding already has been committed for a pedestrian bridge from the museum to America the Beautiful Park and for Vermijo/ Sierra Madre Street infrastructure improvements. Here are the details: Pedestrian Bridge USOM Tourism Bonds: $7.1 million PPRTA (Capital A List): $3.5 million Total cost: $10.6 million Vermijo/Sierra Madre USOM commitment: $250,000 USOM RTA Bonds: $1.7 million PPRTA (Program funds): $400,000 PPRTA (maintenance fund): $2.8 million Total cost: $5.15 million No funding source has been identified for the planned 1,000-space, two-floor underground parking structure that would serve the museum and the three projected medium-rise buildings that would be sited above the structure. The concept plan envisions a private/public partnership, but no further details are available. In the city’s 2013 application for state TIF funding for the City for Champions project, the cost of a 1,500-space parking facility was estimated at $29 million. It’s not clear what the cost of a 1,000-space structure would be today. The city’s Parking Enterprise could issue bonds to fund its construction, but since it might be lightly used for several years, the enterprise See Plan page 22

CYBERSECURITY OVERSIGHT TRAINING How safe are public wi-fi networks? How prepared are you if your employees let malware onto your network? Ever wonder what’s on the Dark Net? Find out - and find out how to protect your business from cyber criminals. Who: National Cybersecurity Center and Firma IT Solutions Where: Catalyst Campus, 555 N. Pikes Peak Avenue When: 7:30-11 a.m. • August 10 Why: Because cybercrime is real, and costs businesses and nonprofits $3 trillion each year. Don’t be next!

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

ONE-ON-ONE

Kaiser in homestretch of ‘monumental’ term W By Bryan Grossman

hile he never thought he’d pursue a life in public service, Monument Mayor Jeff Kaiser will be stepping away from his mayoral position (and nearly two terms as a town trustee) in April. The California native has lived all over the world, including New Zealand, Israel and Canada, but set roots in the Tri-Lakes region in 2004. When not fulfilling his duties as mayor, Kaiser is an electrical engineer with Maxim Integrated in Colorado Springs, where he manages four different engineering groups based in Colorado and the Philippines. Kaiser spoke with the Business Journal this week about his priorities as mayor, his growing corner of El Paso County and advice for those pursuing public office.

How did you end up in Colorado? I was working in Markham, Canada, outside of Toronto, and had some recruiters contact me. ... [Colorado Springs] is an area I love. I’d been here before and had family here, and they said it was the best place they ever lived, so it was a no-brainer to come to Colorado. And how did you become mayor of Monument? Shortly after the last mayoral election [former Monument Mayor] Rafael Dominguez moved just outside the town boundaries and had to resign. I was elected mayor by the board of trustees to fi ll that position. I had been a board member for about eight years and I served as the mayor pro tem for much of that time and had fi lled in for the mayor on several occasions. The board felt I was the right choice to lead the town for the remainder of the term. What have your priorities been as mayor? No. 1 is water. We want to make sure we do water correctly, that we plan for the future, that our residents have a healthy water resource into the foreseeable future. No. 2, it’s important that we are fiscally responsible. It’s something we have been and continue to be ever since I’ve been on the board. Three, I think it’s very important for the town to have good leadership in our town staff — our town manager, our town directors and all our town employees. Any challenges? When it comes to water, [trustees and town staff] have had the same understanding of the needs for the town. What has changed since the last election is how best to go about that. We’d been on the same page as to how to tackle water issues regarding new water versus reusable water and water conservation. I think, since the election, there have been various directional changes that we need to work through. For forever, the town, the staff and the board felt water reuse was a very important thing to tackle. It’s something we have the fi nances to do. It’s something we have the means and expertise to do. We anticipated about a 50 percent cut in our water usage, which is huge. But some of the newer board members from the last election don’t feel water reuse is where the town’s money should be spent. What’s your assessment of the leadership among town staff? We’ve recruited an outstanding town manager

in Chris Lowe. He comes with a very professional background and understanding of government service. Even before that we had an outstanding town staff. We were keen on retaining the top-notch town staff that we had and adding a top-notch town manager.

As mayor, did you face any blowback from the proposed methadone clinic and the lawsuit ﬁled against the town? We were wrapping that up when I took over as mayor. It was clearly in the news and on the public’s mind, but we were in the process of finalizing the agreement when I took over. Not everybody was aware, but when you’re negotiating with lawyers, you don’t show your hand, so to speak. It was a hit to our budget, and there are financial ramifications we now have to understand. How do you balance the needs of businesses in historic downtown with new business development on the south end of town? Clearly we have two different business needs: We have a small, hometown feel in our downtown Monument area. We fully support those businesses and want them to be a huge success. On the other side of town we have newer development in terms of homes and businesses. We have the big-box stores — Walmart, Home Depot, Kohl’s. We’re able to keep somewhat separate the smalltown feel of downtown and not too far away have the bigger stores people want as well. We have the best of both worlds. How much room is left for commercial growth in Monument? There’s still some room. On the east side of [Interstate 25] there are still some tracts. … There’s an area we just did an evaluation on a little over a year ago that’s just north of the [Tri-Lakes] YMCA. We still have tracts north of the Monument Marketplace and south, down to Baptist Road. You’re seeing some of the area south of Baptist Road fi ll in, too. What sorts of industries are interested? Certainly food industries — grocery stores. I believe a [KFC restaurant] is planning on going in over there. We’ve had some inquiries from Target and other stores that have at least asked about those properties. What about residential growth? We have it, but there’s still some room to grow. The subdivision Promontory Pointe is within the town boundaries, and they’ve completed the fi rst few of five phases. We’re working with the developer of the Willow Springs area on the west side of the interstate, and they would like to annex into the town. We’re also hearing inquiries about developing land on the west side of I-25 and east of the Old Denver Highway. We have a lot of space we can develop.

JEFF KAISER I think I’ve accomplished the things I wanted to when I came in.”

Was public service something you were always interested in? No, it never was. But it has been an eye-opener. I think I’ve accomplished the things I wanted to when I came in. What would you tell others who want to pursue public ofﬁce? Do it for the right reasons. Do it based upon factual evidence and not hearsay, innuendos and conjecture. CSBJ n

Photo by Bryan Grossman

8 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

SMALL BUSINESS

The Cooks Marketplace Established: 2016 Employees: 6 Location: 4697 Centennial Blvd. Photo by Ashleigh Hollowell

Cortney Smith and Jon-Michael Horst once worked at Chefs Catalog in Colorado Springs. They now run The Cooks Marketplace.

Contact: 719-960-4414; thecooksmarketplace.com

Marketplace a space for culinary creatives By Ashleigh Hollowell

n 2016, the locally headquartered Chefs Catalog, a retailer of high-performance kitchen tools, equipment and supplies, closed after 36 years in operation. The Denver Post reported a total of 180 jobs lost in Colorado and California combined. A little more than a year after initial reports that the Target-owned company would be shut down, two former Chefs Catalog employees opened their own shop: The Cooks Marketplace. Jon-Michael Horst once oversaw all of merchandising and inventory planning for Chefs Catalog, and Cortney Smith was merchandise manager and senior buyer. The two decided their skills, combined with the knowledge and relationships they had established with vendors, would create a solid foundation to build a new business. “With what we do in the housewares industry, there were not a lot of jobs here in town,” Horst said. “It was going to involve us traveling or moving, and neither of us liked that idea. I started toying with starting an online company

selling kitchen products because that’s what I know how to do. I started feeling out vendors for that concept, and the overwhelming response I got was, ‘Yes you should do it, but you need a store to qualify for an account.’ That’s when I brought Cortney into the mix and we were trying to decide what the store would look like and where it would be.” When Horst and Smith searched for a storefront location, they found a space that had been one of Target’s Chefs stores and decided it was a perfect fit. Since the location had formerly been a Chefs store, Horst said it only needed a thorough cleaning. Horst and Smith began work immediately and opened The Cooks Marketplace in early December 2016. Every member of the staff at the marketplace was formerly employed at Chefs Catalog. “It’s one of the things we’re most proud of: how knowledgeable our staff is because they have a long history too,” Smith said. “We’re about functional cooking products and really good quality. It doesn’t mean it has to be expensive, but if we sell you a $5 gadget of some

kind, I want it to work, and I want it to last you a long time. We want people to be really satisfied with what they have and for it to be helpful. “There are a lot of gourmet stores and web businesses that sell everything under the sun [for your kitchen], and we’ve decided that’s not who we want to be,” Horst added. Since The Cooks Marketplace is still in its first year of operation, Horst and Smith’s primary goal is to focus on growing their customer base, building partnerships in the community, developing an e-commerce section of the website for customers to shop for their products easily online, adding a recipe database to their website and writing a cooking blog to be updated regularly. “We don’t want to be a typical gourmet kitchen store. We really want to be a food hub,” Horst said. “We want people to come here and not be overwhelmed by products, but have a pleasant shopping experience and know when they come in here that we carry the best.” The storefront features a full kitchen where demonstrations and classes are frequently taught by a rotation of

chefs from throughout the community. Smith will also be focused on building more of a social media presence for the business, including expanding broadcasting of food demonstrations on Facebook Live, a tactic that has shown favorable viewership so far. “The Chefs store that was here before did very well. We knew walking into this store that we were not going to do the level that the Chefs store had done. We knew it would take time to build,” Horst said. “I think, over the past few months, we’ve learned a lot. There’s definitely a large group of people in town that is happy we’re here. They like coming here and shopping. They know when they come in they are talking to experts.” Horst and Smith said they will continue to pursue partnerships with organizations throughout the community to give back and continue to build their business to be one that supports the city and region. “I don’t want to be another business to just make money,” Horst said. “I want us to be part of the community.” CSBJ n

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Colorado Springs Business Journal

July 28 - Aug. 3, 2017

YOUNG PROFESSIONAL

Sinclair now tells stories of health care

By Ashleigh Hollowell

aving lived in Mexico City, South Korea, Alaska, Missouri, Texas and Colorado Springs, a life fi lled with travel led to a career in storytelling for Andrea Sinclair. When she moved to Colorado Springs in 2012, she began writing for the Gazette. Two years ago, Sinclair moved from journalism to telling the story of one of the city’s largest health systems, working as a communications specialist for Penrose-St. Francis Health Services. “I had never been in [public relations], never been in marketing. I had the communications background, but making the transition was not without its challenges. ... It was almost like looking into the same house, but from a different window,” Sinclair said. Not once did Sinclair envision herself working in health care, but the transition has made her feel like she is consistently making a difference. “My favorite thing ... [is knowing] everything I do is for the benefit of our patients, and that we aren’t trying to make a buck. We are just really trying to deliver the best health care that we can,” she said. “Even if all I’m doing is designing a mug — that is still for our patients. Everything we do means a lot.” Sinclair won’t be changing cities or positions any time soon, she said. “Growing up for me, a multicultural kid, it gives you a very special sense of your place in the world,” she said. “One of the things I realized really quickly when I moved here was that people were very welcoming. I’m not a native of anywhere really, but I feel at home here.” Sinclair said changing states frequently when she was younger helped her develop communication skills and allowed her to empathize with other people. What skills from journalism do you think transitioned to your current position? Being in communications, you learn to talk to people, make connections and you create relationships that can benefit both of you later on. Journalism taught me that. One of the things I think that is really useful ... is that now when I work with media ... I can anticipate what [reporters] will need. It’s very helpful to me to have come from that background. I can be an effective partner to media in that sense.

What is the most rewarding part of working at Penrose-St. Francis? I get to meet super-interesting people all the time. We have over 3,000 employees and I get to meet all of them and write about all of them. We have an in-house newsletter and other publications and there are associates who do incredible things all the time that I get to write about. I love that I can be inspired by my colleagues and the patients. Were there any challenges for you switching ﬁelds? Learning the marketing side. Everybody here was awesome from Day One and very welcoming. The whole team embraced me and taught me so much. It’s a really great combination of being able to take off running, but I also had a lot of guidance. What do you look for when you build professional relationships? I think transparency is important and always being honest with what your goals are, what you want to accomplish and how — but also what you’re not willing to do, what you don’t want the relationship to become. ... The other thing is enthusiasm and being excited about what you’re doing. If you work with someone who is happy to be there and happy to work with you, you are going to feel exactly like they feel. I think coming from a place of good intentions is always important. I try to do that with all my relationships. Just do good; be good. Has Colorado Springs been a good place to develop as a young professional? Absolutely. Everyone is always excited to collaborate even when it’s a lot of work. It feels like everyone really is working together to make Colorado Springs better — to have a better life and a better city. What advice would you give other young professionals? Be self-assured and realize what your skills are, and don’t be afraid to be your own advocate. Don’t be afraid to tell people, ‘I’m good at this.’ If you’re doing something well, make sure people know. There will be someone who will appreciate you. CSBJ n

Photo by Ashleigh Hollowell

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10 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

BY THE NUMBERS: DEPT. OF MOTOR VEHICLES

5 Motor Vehicle Offices in El Paso County

• Title your vehicle or renew your registration • Get or renew your driver’s license • Recording and elections services … and many more.

LOCATIONS AND HOURS Main

Southeast

Citizens Service Center West of Centennial Blvd. 1675 Garden of the Gods Road Monday - Friday 8 a.m. - 5 p.m.

North

Downtown

Fort Carson

Union Town Center Centennial Hall Powers Blvd. & Airport Road Mountain Post Soldier Center Research Pkwy. & Union Blvd. Cascade Ave. & Vermijo Ave. 5650 Industrial Place 6351 Wetzel Ave., Building 1525 8830 N. Union Blvd. 200 S. Cascade Ave. Monday - Friday 8 a.m. - 5 p.m.

Monday - Friday 8 a.m. - 5 p.m. Saturday (North only) 8 a.m. - 1 p.m.

Monday - Friday 8 a.m. - 5 p.m.

El Paso County is the only county in Colorado to offer Saturday Motor Vehicle services.

Motor Vehicle is the public face of county government – serving residents through more than 550,000 transactions a year. And those numbers are right on track this year – as of July 17 the county had handled 310,079 transactions.

3,609

dealers served

69,427

Driver’s license transactions

Some of the shortest wait times along the Front Range.

The Southeast and North branches are the busiest locations in the county. The North branch has had 33 percent of the traffic this year, and the Southeast branch has had 25 percent of the traffic. The best times to visit any of the Motor Vehicle offices are in the middle of the week, and during the middle of the month.

133,670

Titles processed

22,364

Military members served

Residents can start, or even complete, the vehicle registration or driver’s license renewal process online at mydmv.colorado.gov.

Skip the line and save some time! Owners of vehicles registered in El Paso County can renew registration at one of the four self-service kiosks coming to the county later this year. • Main branch kiosk coming in August • North branch kiosk coming early fall • Additional 2 kiosks will be at the Downtown and Southeast branches later this year

The importance of the El Paso County Public Safety Tax cannot be overstated. Since it was implemented in 2013 this voter-approved initiative has funded 192 additional deputies and support staff including: • Added detention personnel improve safety and security in the El Paso County jail

• Replacement of worn-out and functionally obsolete communications equipment

• Added patrol deputies target the fast growing Falcon area, improve response times, and address growing criminal activity in rural areas

• Additional wildland fire fighting equipment

• Added participation in highly effective regional enforcement and investigation units

• Improved locks and surveillance equipment in the jail • Improved equipment, staffing and facilities for the Office of Emergency Management

Since 2012 El Paso County Sheriff calls to preserve the peace are up more than 50% from 40,163 to 68,212, the average daily population in the jail has grown from 1,351 to 1,648, and required prisoner transports have nearly doubled from 10,996 to 20,248. The El Paso County Criminal Justice Center is the only jail in the County, and serves all municipalities and law enforcement agencies.

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El Paso County Public Safety Tax

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

Southern Colorado leaders share table, challenges By Bryan Grossman

espite being within about an hour’s drive of each other, some issues facing the TriLakes region, Colorado Springs, western and southern El Paso County, Teller County and Pueblo can seem worlds apart. Barriers were broken down last week, however, as leaders from those communities gathered for the Colorado Springs Business Journal’s Fourth Annual

Mayors Panel luncheon to discuss their most pressing issues. Panelists included mayors John Suthers (Colorado Springs), Nicole Nicoletta (Manitou Springs), Jane Newberry (Green Mountain Falls), Neil Levy (Woodland Park), Gabriel Ortega (Fountain) and Jeff Kaiser (Monument, see page 7), as well as Pueblo City Council President Steve Nawrocki. And the one issue that seemed to affect nearly all represented entities to some extent, was managing population growth.

Photo by Bryan Grossman

‘THE DIE IS CAST’ “We’re awaiting the 2017 Census estimate for the city of Colorado Springs, but I suspect it will be about 470,000 people,” Suthers said, adding the El Paso County estimate will likely be around 720,000. “The Springs is 146 years old,” he said. “Eighty percent of that growth has taken place since 1970. So growth is nothing new to Colorado Springs. But it’s at a pace now of growing about 2.5 percent every year — and that’s a lot.” The task, Suthers said, “is the same as it’s always been: Make that growth as smart as possible.” The mayor said “the die is cast” in terms of the city’s 200 square miles of sprawling geography. Suthers said it is the city’s responsibility to provide and manage roads and public safety services within its purview. Damaged roads are being repaired thanks to the voter-approved 2C sales tax, he said, but there are inadequate numbers of police and fi refighters to serve the current population. The city has about 14 officers per 10,000 people, while the national average for a city the same size is about 17 officers per 10,000 residents. “Given our crime rate, I think we ought to have 16,” he said. “That number impacts response time. Critical incident response time should be around 8 minutes. Now it’s about 10 minutes and 40 seconds. We need to make sure growth pays for city services.” Suthers pointed to development of Banning Lewis Ranch on the city’s Eastside. “From my perspective, where we are today [with Banning Lewis Ranch] versus where we were when it was initially annexed — this is an infill project,” he said. “What you have to understand about growth is, it will happen to this entire region regardless of any

Leaders from around the region gathered for the Business Journal’s Fourth Annual Mayors Panel at the DoubleTree by Hilton.

Read the CSBJ on the go

VISIT CSBJ.COM ON ANY MOBILE DEVICE

Read, Share, Repeat

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See Leaders page 17

12 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

KUDOS

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

Compiled by Bob Stephens

MILLER DEALERSHIPS SUPPORT LOCAL MILITARY Larry H. Miller Charities presented a $10,000 grant to The Home Front Cares on July 19. The donation supports the nonprofit’s emergency aid service program for Colorado military members, veterans and their families. The program provides emergency grants to pay for essential life expenses such as rent and utilities.

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

MARY FAGNANT

GRIFFIS/BLESSING TO MANAGE CENTER The Griffis/Blessing retail management portfolio continues to grow, expanding back into Pueblo West with the addition of Pueblo West Retail Center. La Vista Duarte LLC has selected Griffis/Blessing to provide property management services for the 13,000-square-foot retail center anchored by Liquor Warehouse and

Jackson Hewett. The Commercial Property Services team of Kelly Clay, portfolio manager, Cody Hayes, portfolio assistant and Cindy Colby, property accountant, will handle the day-to-day operations of the property.

RE/MAX AGENTS FEATURED IN SURVEY The Treasure Davis Team, The Distinctive Group (Tiffany Lachnidt), The Wheaton Team, The Hermes Team, The Ian Stone Team, The Dianna Doyle Group, and The Clement Group; as well as Ted Bachara, Val Bays, Donna Hilderbrand, Jill McFeron, Pam Palone, Lana Rodriguez and Vicki Westapher with RE/MAX Properties are among 2,506 RE/MAX agents and teams featured in the 2017 REAL Trends “America’s Best Real Estate Agents” survey. The agents included in the survey represent fewer than 1 percent of real estate professionals in the United States.

PEOPLE ON THE MOVE

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

Heather Baros

Amber Dawn Niskern

Dan Steinhour

Josh Watts

Alicia Irwin

New to Treasure Davis team

New Realtor

RE/MAX Properties, Inc.

BUSINESS BRIEFS COLORADO COLLEGE RAISES $44.7 MILLION Colorado College received $44.7 million in gifts, pledges and estate commitments during its 2017 fiscal year, which ended June 30. During the year, 6,136 alumni gave to the college, the highest participation since 2008. The total bests last year’s $42.2 million. During the past two years, 31 donors have endowed scholarships for CC students through the Endowed Scholarship Challenge 101, an effort launched last year by an anonymous graduate. The donor dedicated $10 million and issued a challenge to others in the college community to make gift or estate commitments. In fiscal year 2017, twice as many donors participated than in 2016.

FORT CARSON OFFERS JOB TRAINING Fort Carson will launch a program in September to provide a free career skills training program for veterans and their spouses transitioning to civilian life. Training will be quarterly. Fort Carson is the 12th location to offer the Onward to Opportunity-Veterans Career Transition Program. The Fort Carson program will offer certification-training tracks in information technology, business management and customer service excellence. Interested participants can visit onward2opportunity-vctp.org to learn more. Employers benefit by saving on costs in training and recruiting

by hiring O2O-VCTP graduates. Learn about being an employer partner or supporter at onward2opportunity-vctp.org/ o2o-vctp-employers.

RUSNAKS OPEN FIFTH DICKEY’S BBQ Local entrepreneurs Bob and Barbara Rusnak celebrated the opening of their fifth Dickey’s Barbecue Pit in Colorado Springs on July 20 at 7935 Constitution Ave. The Rusnaks have been with Dickey’s since 2012.

NEW OUTDOOR RECREATION DEPUTY DIRECTOR Janette Heung will serve as the new deputy director for the Colorado Outdoor Recreation Industry Office, effective Aug. 10. Heung will support economic development within the industry, work to build a dynamic workforce, advance conservation and stewardship, and encourage the intersection with public health and wellness in the sector. She will also develop new initiatives to further Colorado’s outdoor recreation growth. Outdoor recreation is a booming industry in Colorado with $34 billion in consumer spending and $994 million in state and local tax revenue. The industry provides 350,000 jobs with earnings of more than $4 million. More than 80 percent of Coloradans participate in trail-related activities on a regular basis, according to the 2014 Scope Report.

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

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

Networking Events

Regional Events

Thursday, Aug. 3

Tuesday, Aug. 1

Friday, July 28

SBDC: Intellectual Property

Springs Chamber: Connect

Pueblo: Chamber Luncheon

Learn about trademarks, copyright and patents with this Pikes Peak Small Business Development Center class, 9-11 a.m., 1675 Garden of the Gods Road. Go to pikesppeaksbdc.org to register.

The Colorado Springs Chamber & 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.

The Pueblo Chamber of Commerce hosts its monthly member luncheon, $20, 11:30 a.m., Pueblo Zoo, 3455 Nuckolls Ave. Go to pueblochamber. org to register.

Monday, Aug. 7

Pueblo: Colorado Tech Tour

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 about Quickbooks Online, 12:30-5 p.m., 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.

PPLD: Resumés Craft a resumé to get people’s attention, 4-6 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Thursday, Aug. 10 SBDC: Boot Camp Discover the steps to owning a business with this high-energy boot camp and the Pikes Peak Small Business Development Center, 11:30 a.m.-1 p.m., El Paso County Citizen Service Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc.org to register.

Saturday, Aug. 12 PPLD: Facebook Advertising Discover ways to use Facebook to advertise your business, 11 a.m.-noon, Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Tuesday, Aug. 15

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 Wyndham 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 and nonprofits. Learn how to protect your business, 7:30-11 a.m., Catalyst Campus, 555 Pikes Peak Ave. Go to nationalcybersecuritycenter.org to register.

Tuesday, Aug. 15 Women’s Chamber: Accolades

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, 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, 7:309 a.m., Tri-Lakes Chamber of Commerce and Visitor Center, 166 Second St. Go to trilakeschamber.com to register.

Chamber: After Hours The Colorado Springs Chamber & EDC hosts its monthly After Hours networking event, 5-7 p.m., Embassy Suites, 7290 Commerce Center Drive. Go to coloradospringschamberedc.com to register.

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

Thursday, Aug. 10

Pueblo: Global Business Leadership Summit

Thursday, Aug. 17 Learn about social media and the modern artist, 5:30-7 p.m., 1675 Garden of the Gods Road. Go to pikespeaksbdc.org.

Wednesday, Aug. 2

Thursday, Aug. 17

The Pikes Peak Library District teaches Facebook basics, Library 21c, 1175 Chapel Hills Drive. Go to ppld.org.

SBDC: Courses for Creatives

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

Tri-Lakes: Seminar

The Colorado Springs Chamber & EDC hosts its bimonthly Chamber Connect, 11:30 a.m.-1 p.m., Jack Quinn’s Irish Alehouse and Pub, 21 S. Tejon St. Go to coloradospringschamberedc.com to register.

PPLD: Facebook for Business

Monday, July 31

Join the Southern Colorado Women’s Chamber of Commerce for its annual Accolades awards, 11 a.m.-1:30 p.m., The Antlers, A Wyndham Hotel, 4 S. Cascade Ave. Go to scwcc.com to register.

Chamber: Connect

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 

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

Join business leaders from around the world — including Google and Facebook — during this broadcast, Fellowship of the Rockies, 3892 W. Northern Ave. Go to pueblochamber. org to register.

Pueblo: Business During Lunch Join the Pueblo Chamber of Commerce for its monthly lunch meeting, 11:30 a.m.-1 p.m., State Fairgrounds, 1001 Beulah Ave. Go to pueblochamber.org for more information and to register.

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14 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

Focus

BANKING QUARTERLY

Small banks facing uphill battle

Shutterstock

By Bob Stephens

ike League is president and CEO of 5Star Bank, one of the few locally owned and operated banks in Colorado Springs. But 5Star could’ve been sold to an out-oftown buyer in 2015. “If I hadn’t been able to raise $12 million in capital two years ago, there were many — both in-state and out-of-state — that were interested,” League said. “I’d probably be working for them or doing something else.” That’s a situation other bankers have become all too familiar with as small and mid-size banks in the Springs are part of a trend that sees them being bought, merging or even shutting their doors. “I’ve been with 5Star for more than 10 years, and it’s great we were able to make that happen,” League said. In recent months, Pikes Peak National Bank and Peoples Bank were purchased while Stockmens Bank absorbed a small Missouri bank.

Midland States Bank, which has a branch in Denver but is headquartered in central Illinois, closed its doors in downtown Colorado Springs last month. Brendan Zahl, president and CEO of mid-sized Peoples Bank, cited three reasons why small banks are having trouble surviving. “One is the regulatory burden,” he said. “A close second is that many smaller banks are owned by families and the next generation may not want to continue in banking. The third reason is technology challenges.” Rob Alexander, president and CEO of Stockmens, said it’s become increasingly difficult for small banks to prosper — especially after Dodd-Frank legislation that passed in response to the Great Recession and the failure of many banks in the U.S. “Software technology is very expensive,” Alexander said. “And regulatory costs are worse.” Alexander is trying to overcome some of the costs by growing his bank. By merging with First Home Bank of Mountain Grove, Mo., his assets should climb to about $330 million.

“Small banks have been $200 million or less,” Alexander said. “I do believe a new small bank in the next 10 years will have to be in the half-a-billion dollar range. My drive now is to get to $500 million.” League agrees. “I’d say $500 million or above will become the cutoff to survive,” League said, noting that 5Star has $185 million in assets. League recently raised another $23 million in capital from about 150 existing and new shareholders and opened a Denver Tech Center branch on July 26. “We’ll use that capital to grow and be competitive,” he said.

SHRINKING BANK NUMBERS The trend of disappearing banks has been going on for about 25 years. “If you look back to the early 1990s, you had almost 18,000 banks in the United States,” Zahl said. “Today there are just over 6,500. So that’s been the M.O. for two decades. It accelerated during the Great

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

NEXT WEEK

CYBER Recession as a lot of banks failed and they were con“You take a smaller bank that’s one or two locations, and they have to decide whether to hire somesumed as a part of FDIC assist.” one in sales or a commercial lender or someone to Many bankers and economists — Alexander is one serve their customers, or do they hire someone who of them — insist the financial crisis a decade ago was works in a back office that never sees customers but ignited when the 1933 Glass-Steagall Act was repealed they have to handle compliance. Large banks can in 1999, leading to the marriage of big banks and inabsorb that, but small banks might have a hard time vestment companies. The 1933 regulations included absorbing that.” separation of commercial and investment banking. Does the government prefer bigger banks? “Big banks failed because they took the firewall “I wouldn’t necessarily go that far, although you down that [President Franklin Delano Roosevelt] sometimes wonder because of created to keep banks from makregulatory oversight,” said Zahl, ing high-risk investments with the chair-elect of the Colorado Bankers deposits from their customers,” Association. “They still have to Alexander said. “The government regulate every bank the same — it bailed them out with our tax dollars doesn’t matter whether it’s a $50 and Dodd-Frank was put in place, million bank or a $1 billion bank. but that did not fix the situation. Big “We see a lot of regulatory relief banks don’t want to fix the situation efforts being conducted; obviously because they don’t want to divest at the CBA we support a lot of those from their investment companies.” — Stockmens President things,” he said. “The burden isn’t Conversely, Alexander said, just for smaller community banks; “Little banks have never had access Rob Alexander it’s for all banks in general. And the to big investment houses.” consumer ends up paying for it.” But Dodd-Frank regulations have made it tougher on small banks. “I think it’s getting tougher for small banks, just CHANGE CAN MEAN OPPORTUNITY with regulation, with compliance, because you have Peoples Bank was purchased by National Bank to hire those positions to deal with compliance,” said Holding Company out of Greenwood Village. Zahl said UMB Community Bank President Jason Doyle, whose it won’t affect Peoples customers or employees, though office is downtown but has headquarters in the Kansas he’ll be more involved with commercial lending. City area. “That’s a large growing segment of our bank, “Change is always viewed as negative by some hiring those positions. But those are non-revenue-propeople,” Zahl said. “Usually change results in opducing positions so you hire those associates to work portunity. The perception is oftentimes negative — with compliance. But can a small bank absorb that mostly related to the change — but the reality is that fee? That’s tough. the change and the opportunity are very positive.

“In general, the way small banks compete is by working with all the small businesses in our area.”

“You lose some control. A guy like me, who is the CEO of the bank, has to change roles a little bit. I’ll still be heavily involved as an executive with the new bank, and on their board of directors. I’ll be an executive vice president. I will be the director of their national mortgage division and I will also be the regional president for the Colorado Springs area. I’ll still be tied to Colorado Springs and to the mortgage production that we do, which is a very strong part of our business. That’ll be my new role.” Having a strong presence in the community is vital for smaller banks. “We’re a community bank and we support community causes,” League said of 5Star Bank. “We understand local business that a bigger out-of-town bank might not have a feel for. Local knowledge makes for good local banking. That’s the same model that Stockmens employs.” Alexander said catering to small business is his key to success. “In general, the way small banks compete is by working with all the small businesses in our area,” Alexander said. “Joe’s Plumbing, for instance, can walk into Wells Fargo, but his company doesn’t fit in their box; they’ve got certain standardized programs to fit you in all around the country. ... We put a lot more focus on the local community and we try to find niches the big banks don’t see or want. A big bank doesn’t want to do a loan for a rancher in Limon, because there aren’t enough of them. They want to do credit cards because 200 million people want a credit card. They look at everything as market share. “I do a lot of [agricultural] stuff,” he said. “Other small banks in town might have their niche, whether it’s geographical or a niche in an industry.” CSBJ n

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16 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

THE LIST: MORTGAGE LENDERS Ranked by dollar volume of mortgage loans originated in El Paso County for 2016

Just Missed The List

National Bank Holdings Corporation announced June 26 the acquisition of Peoples Inc., parent company of Peoples Bank.

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

Don’t miss The List Aug. 4: Cybersecurity and Homeland Security Aug. 11: Graphic Designers Aug. 18: Residential Real Estate Brokerages Aug. 25: Security Firms

The Book of Lists is the most powerful research tool for Springs businesses.

From The Book of Lists & Power Pages

Ranked by Dollar Volume of Mortgage Loans Originated in El Paso County for 2016 Rank

Website Email Phone/Fax

Name Address

NR - Wells Fargo

In June, Pikes Peak United Way recognized Ent Credit Union with the Spirit of Caring Award in the large company category.

Mortgage Lenders Total 2016 Volume of E.P.C. Originated Loans $646.65M

No. of 2016 E.P.C. Mortgage Loans

Loans: Regular/ Construction/ Seconds

2016 % of Refinanced Loans (approx.)

% of Person in Mortgage Charge, Title Loans Held/ Sold

Founded/ Est. Locally

4,487

2,987 5 1,495

39%

79% 21%

Randy Bernstein, 1957 President and 1957 CEO

Ent Credit Union Ent.com 7250 Campus Dr. service@ent.com Colorado Springs, CO 80920 719-574-1100/N/A

Peoples National Bank epeoples.com 5175 N. Academy Blvd. loans@epeoples.com Colorado Springs, CO 80918 719-531-5577/719-531-5587

$463.46M

1,838

1,838 55 79

20%

5% 95%

Cynthia Leonard, N/A Senior Vice 1976 President

Cherry Creek Mortgage Company 1755 Telstar Dr., Ste. 109 Colorado Springs, CO 80920 CB&T Mortgage 1 S. Nevada Ave., Ste. 230 Colorado Springs, CO 80903

richlistmortgage.com/ ListTeam@ccmclending.com 719-260-7777/719-260-7907

$201.00M

750

N/A N/A N/A

15%

30% 70%

Rich List, Branch 1987 Manager/Sr. 1997 Loan Officer

centralbancorp.com/mortgage N/A 719-228-1130/N/A

$185.25M

607

607 N/A N/A

13%

0% 100%

Tim Coutts, President

Air Academy Federal Credit Union 9810 N. Union Blvd. Colorado Springs, CO 80924 Vectra Bank Colorado 111 S. Tejon, Ste. 110 Colorado Springs, CO 80903

aafcu.com contactus@aafcu.com 719-593-8600/N/A

$100.78M

526

441 1 84

70%

75% 25%

Glenn L. Strebe, 1955 President and 1958 CEO

vectrabank.com john.ablutz@vectrabank.com 719-577-9100/719-575-6469

$14.36M

N/A N/A N/A

51%

4% 96%

Melanie Dages, 1988 Mortgage Loan 1998 Officer

$12.15M

N/A N/A N/A

N/A

0% 100%

Steve Haney, President

3 4 5 6 7

Provident Lending providentlending.net Corporation stevehaney@providentlending.net 6025 Erin Park Dr., Ste. C 719-266-5500/719-266-0145 Colorado Springs, CO 80918

1995 1995

2002 2002

NR- not ranked, indicates that the information necessary for ranking was not provided. N/A- not available. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/corrections to cristina.jaramillo@csbj.com.

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

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

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

Leaders: State’s growth was focus of Mayors Panel From page 11

particular policy of the city of Colorado Springs. We have not developed Banning Lewis Ranch. Did that stop the urban sprawl of Colorado Springs? Heck no. It just leapfrogged it. “The busiest Walmart in [El Paso County] is in Falcon, Colorado, instead of Banning Lewis Ranch.” The city lost about $70 million in revenue over and above costs by not developing Banning Lewis Ranch, Suthers said. “In my opinion, the city has put together a good situation for Banning Lewis Ranch that will not only pay for those city services, but will be a net revenue [generator] to the city for many years to come,” he said.

‘A GOOD SIGN’ Pueblo operates under a council-city manager form of government and doesn’t have a mayor, thanks partly to a failed vote for a strong mayor form of government in 2009. The city may revisit the strong mayor model in an upcoming election, said Nawrocki, who represented Pueblo City Council on the Mayors Panel. Nawrocki said while residential development in Pueblo hasn’t matched its counterparts to the north, Pueblo County as a whole has experienced growing pains. The city of Pueblo now has an estimated population of a little more than 110,000. Pueblo West has experienced the most significant growth over the past 10 to 15 years and has unofficially surpassed 30,000 residents, Nawrocki said. Its population in the 2010 Census was 29,637. “A few years ago, it was 4,000 people,” he explained. The Great Recession, however, disproportionately impacted Southern Colorado, including Pueblo, he

said, and that has slowed its recovery. nicity, but also socioeconomic status.” “But we judge everything by our sales tax, and our Finally, Nicoletta addressed parking shortages. The sales tax is improving significantly,” Nawrocki said. city is working on turning one major parking area “That’s a good sign.” into a multi-level garage, and Manitou has worked It’s a much different situation for the city of with Mountain Metropolitan Transit to implement Fountain in southern El Paso County. According to a free shuttle, which recorded 48,000 riders in June. Ortega, Fountain has nearly doubled its population Farther to the north, Kaiser said his community of during a similar period of time. Monument is “in a unique position “There are over 30,000 just at the north end of El Paso County, within the city of Fountain. If you situated between Colorado Springs include the entire Fountain Valley and the Denver Tech Center. — Widefield and Security — we’re “We’re seeing a tremendous closer to 100,000,” he said. amount of growth. As Castle Rock Ortega, a special education teacher becomes more and more expensive, for his main job, said the city govern— Mayor John Suthers we’re seeing some of those residents ment has been focused on its business wanting to move farther south,” he environment, as well as on working said. with developers to build more homes. Growth has been somewhat slower in Teller County, “We’re a town that’s open for business and we’ll according to Levy. He said, over the past decade, work with anybody,” he said. Woodland Park has grown from about 7,500 to about “If it makes sense and if it benefits not just the city 8,000 residents today. of Fountain, but this region, we’re all for it.” “That’s not tremendous growth, but the region is growing,” he said, adding that Woodland Park has ‘A UNIQUE POSITION’ suffi cient water rights to handle up to about 12,000 Public safety has been one area of concern for the people. mayor of Manitou Springs as her community grows, Levy added that the most pressing issue for Woodland but especially due to the influx of tourism. Park is U.S. Highway 24, which runs through the Nicoletta said town emergency services had to reheart of town. The idea of creating a western bypass, spond to five Incline/Barr Trail emergencies in a single which has come up before but never with much public day this summer, taxing capabilities. support, might come back into play. She added that the effort to create more affordable “Highway 24 will be an issue,” he said. “We’re takhousing for Manitou has also taken on increased iming a big-picture approach. What will it look like 15 portance lately. or 20 years from now, and what can we do about all “We recently established a housing advisory board,” the traffi c on Highway 24? Nicoletta said. “We have a lot of folks who would like to “Nobody wants the traffic on 24 — or in their neighmove to Manitou Springs and the community would borhood,” he said. “So, where do you put it?” CSBJ like to stay diverse, not only in the culture and eth-

“We need to make sure growth pays for city services.”

Financial Services

MINI JOB FAIR August 2, 10 a.m. - 2 p.m.

For financial services professionals and those exploring careers in financial services.

Pikes Peak Workforce Center 1675 Garden of the Gods Rd., Suite 1107 Colorado Springs, CO 80907

Meet employers in the financial services industry: Adams Bank & Trust Centennial State Financial Colorado Business Bank Security Service Federal Credit Union

Ent Credit Union FirstBank USAA

Register at: bit.ly/MiniJobFair Free to Attend Hosted by Pikes Peak Workforce Center and Better Business Bureau of Southern Colorado

18 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

Grant: Financial boost will cultivate cyber workforce From page 1

“The goal of the program is to reduce vulnerability in our national information infrastructure by promoting higher education and research in cyber defense and producing professionals with cyber defense expertise for the nation,” according to the NSA’s website. “Prospective schools are designated after meeting stringent CAE criteria and mapping curricula to a core set of cyber defense knowledge units.” Being NSA-certified will make PPCC’s cybersecurity education standards higher and more consistent, via access to industry engagements as well as a network of National Centers of Academic Excellence institutions, Bliss said. The application will be submitted January 2018 and the — Gretchen CAE2Y designation is expected in the second half of 2018. The grant will also allow PPCC, which has been teaching cybersecurity through its Computer Networking Department for three years, to expand and refine cybersecurity offerings to be as current and applicable to industry needs as possible, Bliss said. The Chamber & EDC will use its portion of the grant to develop the Pikes Peak Region Cybersecurity Strategy. It will spend 18 months conducting an in-

dustry assessment and will assist with the commercialization of defense-impacted contractor cybersecurity services and products. Bliss described the Chamber & EDC’s upcoming work as “essential — for the whole community, not just for Pikes Peak Community College.” She said the initiatives funded by the grant will build the pipeline of qualified cybersecurity professionals from many groups in Colorado Springs, including two- and four-year college students, high school students, veterans, people changing careers, and those returning to the workforce as a result of the uptick in wages and job availability across the region. These groups represent “tons” of untapped potential, Bliss said, and the grant will dramatically advance PPCC’s ability to contribBliss ute to workforce development. “Having the two-year schools in this conversation to feed into the four-year schools is the key,” she said. “The road is wide. There’s a lot of opportunity with cybersecurity, and Pikes Peak’s approach to this is that there’s room for everybody, because everybody learns differently and everybody’s got different requirements. … Now there is a plethora of opportunity for students to find just the right training and experience.

“Pikes Peak’s approach to this is that there’s room for everybody.”

“The beauty of this grant is that it brings the entire community together to work this very important, fast moving, current issue to a new level that will gain traction not just in Colorado — with the great support of our governor — but across the U.S.,” Bliss added in an email. Being on the leading edge of the effort to build industry, educational and government relationships to advance cybersecurity “can only bring great opportunity” for the students and employees in the region, she said. PPCC is establishing three part-time positions as part of the development phase of the grant; Bliss fills one of those positions. PPCC was chosen for the grant because the college has a long history of identifying industry needs and trends. College leadership “saw the cybersecurity requirements coming and jumped in with both feet to make sure the workforce needs were going to be met,” Bliss said. “I think the DoD grant office saw that ‘can do’ spirit at PPCC and supported the large vision led by [PPCC President] Dr. Lance Bolton and [VP of Workforce Development] Debbie Sagen to make Colorado Springs a cybersecurity hub for the U.S.” The other higher education institutions with CAE designations in Colorado Springs are UCCS, Colorado Technical University, the Air Force Academy and Regis University. CSBJ n

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Colorado Springs Business Journal

July 28 - Aug. 3, 2017

YOU’RE INVITED

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Benefiting the Citizen Soldier Connection

Golf Scramble August 25, 2017

Photo by Helen Robinson

Christopher Fagnant holds a part manufactured on the Wire EDM (Electric Discharge Machine).

Grade: Room to improve From page 1

other local manufacturers to deliver on large OEM — “original equipment manufacturer” — jobs. OEMs include large corporations like Boeing, Airbus and Lockheed Martin. Qualtek, which specializes in metal finishing, heat treating and stamping, recently secured a major order by coordinating with local machining suppliers to produce a range of tools for an OEM. “We were able to utilize three different machine shops for a single order, and it all flows back through Qualtek because we ... do the last process,” Fagnant said. “Collaboratively we can connect the different capabilities of small businesses and allow Colorado Springs to compete on these jobs with big OEMs that we would never be able to do on our own.” The keys to success: Springs businesses are able to move parts from shop to shop rapidly, and manufacturers are willing to share information. “There’s a changing of the guard right now. ... My dad’s generation and the generation before him held all their intellectual property close to the vest and did not really collaborate with other businesses,” Fagnant said. “My generation is saying, ‘I can’t be an expert in all these things, so I need to work with these people.’” Creating a connected manufacturing supply chain through collaboration spells huge growth potential for Springs manufacturers. “I know this particular customer alone has $80 million of these tools … in their pipeline at any given point, every year. For us as a company it could be $3 million worth of business — that would grow our business by 35 percent — with one customer,” Fagnant said. He estimated 50 percent of that revenue stream through Qualtek is passed on to other small Colorado Springs machine shops. “The amount of money that’s out there in the contract manufacturing world is staggering,” he said. “Companies are working together — it’s slow, but it’s happening.” Hannah Parsons, chief economic development officer for the Colorado Springs Chamber & EDC, addressed Colorado’s grades and the challenges facing manufacturing. Some are geographical, she said.

Mountain ranges make east-west transportation and logistics difficult, and being landlocked limits Colorado’s global reach. “You can’t really look at Colorado or any states on a mountain range and compare them apples to apples [with states that don’t have mountain ranges],” she said. And logistics and transportation hubs increasingly have access to ports as well as roads and rail, allowing containers to move seamlessly from ship to train to truck. “We are a dry state; we have no access to water,” Parsons said. “That’s going to be one [aspect] Colorado will never be competitive on.” She said the Chamber & EDC is working with the city of Fountain, El Paso County and other partners to create a rail-served industrial park to address that disadvantage — “but we’ll never have water.” Other challenges Parsons is working on: infrastructure spending and tax climate. She said with partners statewide, the Chamber & EDC is prioritizing increased transportation funding — beyond the expansion of Interstate 25. “The state of Colorado does not pay for transportation in a general sense, so one of our No. 1 legislative agenda items is to increase statewide transportation funding …[and] increase transportation funding in the general fund to show ongoing transportation and infrastructure investment is a priority for the state of Colorado,” she said. The tax climate suffers because Colorado charges a business personal property tax, where many states targeting manufacturing do not. Colorado Springs and El Paso County waive the tax, but its existence at the state level is a hurdle. “The state as a whole tends to incentivize more intellectual capital for job growth instead of capital investment,” Parsons said. Still, Parsons expects to see more manufacturers moving in. “We feel the outlook is strong ... and we’re starting to see an uptick in interest from manufacturing companies despite the logistics challenges,” she said. “I think it’s largely because we have a highly skilled workforce. ... With the increase in advanced manufacturing [opportunities], that type of talent is increasingly important.” CSBJ n

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20 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

BUSINESS RESEARCH CORNER

Send business questions to OPED@uccs.edu

How to manage an international sales opportunity Problem: Recently, my company was presented with an opportunity to expand its sales to Argentina. We have several people on our team who speak ﬂuent Spanish and are eager to visit the country to explore the opportunity. Are there any other factors to consider before we send the team to Argentina?

business opportunity has emerged in Argentina that could result in significant sales growth for your company. The business benefits of those sales include improving your cost competitiveness, providing a hedge against the seasonal demand from domestic customers and extending the life of your prod- Juan-Maria uct. Several of your employees speak the local language, in this case, G A L L E G O Spanish. But it’s important to recognize, in addition to being able to communicate, that there are other important factors to consider when entering a new international market. Let’s start with the basics: What do you know about that country other than the language they speak? Several important factors to consider include your marketing message, consumer preferences and buying habits. For example, what does your brand mean in the international destination? Does it have any negative connotations? Coors launched its slogan “Turn it loose” in Latin America only to discover that the literal translation referred to suffering a strong case of diarrhea. Also, there are many variations of Spanish spoken in Spain and Latin America. Make sure that your team understands the nuances in vocabulary and expressions across the country’s various dialects. Do your products match the price, packaging and distribution needs and preferences of the market? For example, in most Latin American countries the ease of use, size, technology and aesthetics of small home appliances such as irons or steamers are irrelevant to buyers who purchase such products for their housemaids to use. To such a buyer, price is the main factor. On the other hand, if you are selling grocery products to the middle class of most Latin American countries, it is important to recognize that housekeepers do most of the shopping. Recognizing this is important to crafting a fitting marketing message and advertising model. What about distribution channels? Should you just export your product to that country and use a local distributor? Should you start a strategic alliance with a local partner or set up your own subsidiary? When Nokia first entered the Peruvian market with a local mobile operator, Tele2000, one of the most successful campaigns for its mobile phones was promoted

Shutterstock

through a chain of rotisserie chicken restaurants. And don’t forget about currency-exchange issues. Does your company have the financial knowledge to work with other currencies? Strategies that will be valuable include instruments for hedging currency fluctuations and using letters of credit to collect from the sale of products. There are brokers who can assist with financial matters, but they can be expensive. Finally, it’s important to develop cultural awareness, which involves a combination of conscious and unconscious elements. Conscious elements include individual mores, practices and courtesies. Unconscious elements or practices include group values, beliefs, priorities and assumptions. These elements will determine your behaviors and actions toward others. Lack of cultural awareness may create awkward situations and the potential for failure. This is often aggravated by the propensity to be ethnocentric, including a tendency to assume that our beliefs and culture are superior to those of other cultures. Here are some things companies can do to prepare to expand into international markets: 1. Learn as much as you can about the country. Read about its history, politics, culture, business practices and consumer behavior. Talk to experts (commercial,

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legal and tax experts) but beware of stereotypes or generalizations. 2. Develop cultural awareness among those who will be interacting in the international market. The use of profiling tools, such as the Implicit Association Test and Kozai Group´s Intercultural Effectiveness Scale will prepare you for your cross-cultural engagement. 3. Understand areas of potential conflict and “misalignment” between the two cultures. Assessments such as Itim’s Cultural Compass and Erin Meyer’s book, The Culture Map, may help identify potential differences in communication styles, power perceptions, risk tolerance, scheduling, and others. Developing the proper background on the host country and understanding one’s limitations and potential areas of conflict will make those first meetings more effective, productive and enjoyable. Juan-Maria Gallego is an instructor in the College of Business at UCCS and a faculty member at the Center for Creative Leadership. Over the past 20 years, he has worked on four continents managing sales, marketing and strategy development in the telecommunications industry. His current research, training and consulting work focus on globalization, cultural awareness, diversity, inclusion and organizational performance. Contact: OPED@uccs.edu.

WANTED: SENIOR ACCOUNT EXECUTIVE The Colorado Springs Business Journal is looking for a Senior Account Executive for their sales department. Account executives are responsible for generating new business, maintaining existing client relationships, coordinating ad copy and placement, and collections. Existing accounts are available as well. Ideal candidates will have media sales experience, the ability to communicate clearly both verbally and in writing, must be well-organized with excellent people skills and the ability to work with a wide range of people, professional appearance and persona, ability to hit strict deadlines, and must be able to handle pressure well. Please email resumes to jeff.moore@csbj.com. No phone calls please.

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

OTHER VOICES

What’s your company’s philanthropic focus?

usinesses can really benefit from setting a philanthropic vision. With an overabundance of requests for nonprofit support, do yourself a favor — be upfront about what your company stands for and why you focus on a particular nonprofit for giving and volunteer impact. While it’s no easy task, here are three questions to conS TA F FO R D sider related to your philanthropic motivations: 1. What makes sense in terms of a nonproﬁt focus? Consider concentrating your focus on areas of emphasis like health and wellness, women and children, arts and culture, homelessness or feeding the hungry — to name a few. Based on your industry, reflect upon what areas make sense for your business. Although business development may drive decision-making, balance that with passion for a cause. While there will always be relationship-driven requests and one-off asks, businesses can be thoughtful with their dollars by narrowing philanthropic focus. 2. Is your process formalized? The best philanthropic policies have a clear process that nonprofits can lean on, both through volunteer activation and financial giving. For employees, clearly articulate why your area of focus brings the company’s vision to life. A simple submission form or questionnaire allows nonprofit organizations to reflect on “the ask” and evaluate it against the company’s overall philanthropic focus. 3. Does the engagement add value to the company? At year end, evaluate your philanthropic investments, both in volunteer hours and dollars. Is the return on investment reasonable? Did the involvement

Jenny

motivate employees? Do the results ladder back to your philanthropic focus? In today’s work environment, more and more businesses are asking employees to take the lead when it comes to philanthropic spend. For instance, Booz Allen Hamilton uses corporate giving as a tool for employee engagement. Employees, not the nonprofit organizations, submit applications for funding. Employees have to clearly articulate their relationship with the organization. Do they serve on the board? Do they volunteer regularly? Are they committed donors? Why are they passionate about the cause? It isn’t enough that an employee’s child or partner volunteers at the nonprofit — Booz Allen Hamilton required that the engagement between the nonprofit and the employee be truly personal. After the employee takes the time to prepare the application, the proposal goes to a committee of local employees who demonstrate a commitment to the community. The committee is given an annual philanthropic allocation, and they review, accept or decline their peers’ proposals. In its simplest form, the outcome was the same for the nonprofits as any other grant process: a donation. But on a deeper level, whether they knew it or not, the nonprofits gained an even more engaged volunteer and supporter who was willing to advocate on behalf of the organization. For Booz Allen Hamilton, the process is as much about building culture as it is about building community. Philanthropy often takes on a business development tone — potential or current vendors focus all their giving on current and prospective nonprofit clients

and customers. This can be a very smart way to receive charitable deductions for what’s essentially marketing and potentially help employees feel closer to the mission of the organization. For others, the philanthropic philosophy is an exercise in workforce development. Joseph Coleman of The Blue Star Group did this well when he partnered with Pikes Peak Community College’s culinary program to raise money for culinary arts scholarships for local students. PPCC partnered with Coleman to create an annual dinner planned and executed by students, with food, space and service donated by The Blue Star Group. The dinner highlighted students’ talents, and donations funded a competitive culinary scholarship pool. The students who received the scholarships and cooked for the event had the opportunity to demonstrate their skills to one of the community’s top restaurateurs and many landed jobs as a result of the event. In addition, Coleman’s company made a gift to the scholarship fund, helping to cultivate new talent and advancing the culinary scene in Colorado Springs. I highly encourage businesses in the Pikes Peak region to develop a philanthropic vision that drives your giving focus. I guarantee it will support your corporate strategy, engage your employees, and make life easier when you are staring at a multitude of donation requests on your desk. Jenny Stafford, philanthropy director at Children’s Hospital Colorado Foundation - Colorado Springs, can be reached at jstafford@childrenscoloradofoundation.org.

More and more businesses are asking employees to take the lead when it comes to philanthropic spend.

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22 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

Plan: Some appreciate concept, others balk at details From page 6

could conceivably be forced to increase on- and offstreet parking fees throughout the city to make up any operating deficits. “We’re right in the middle of design and cost estimation,” said Parking Enterprise Manager Greg Warnke. “We should have the proposal ready by the end of August.” The plan’s timeline calls for completion of the bridge, parking structure and street improvements by the end of 2019. City Councilor Jill Gaebler raised a number of concerns about the plan after the meeting. “I was concerned that the presentation was 100

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percent staff-led,” Gaebler said. “If the master developer [presumably Nor’wood President Chris Jenkins] had been there, that might have given council more trust. There are lots of really big issues in regard to this plan, and we really don’t get enough information and what we do get isn’t timely.” Gaebler also wondered how this plan would affect other downtown builders and entrepreneurs. “I talked to another developer who wants to build a hotel on Tejon Street, and he’d like the city to build a parking garage as well,” she said. “Are we locked in to the southwest downtown structure? I don’t quite understand the ‘private/public plan’ for financing it. Are we building an underground garage just for the developer’s benefit? Why not an above-ground structure? I just have a lot of questions.”

Councilor Bill Murray laid down a fusillade of objections. “Have you informed downtown business owners in the rest of downtown that you’re moving the center of downtown to Vermijo and Sierra Madre?” he asked sardonically. “Your numbers are very soft, and there are a lot of issues that we’re skipping over. I want real numbers — you guys are cooking the books big time.” Councilors Richard Skorman and Tom Strand were less worried, noting that the plan is a concept plan, not a finished product. “It’s kind of a view from 30,000 feet,” said Strand. Council President Skorman was even more positive. “I can’t tell you how excited I am,” he said. “I think this is one of the best things we can do for our community and our future.” CSBJ n

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

CORPORATION NAME

TYPE

FILING

AGENT

AGENT ADDRESS

AGENT CITY

STATE

20171531507 20171530879 20171531706 20171540240 20171535134 20171537263 20171531149 20171532377 20171448446 20171448626 20171470548 20171473642 20171528806 20171528821 20171528822 20171528825 20171528827 20171528828 20171528830 20171528838 20171528875 20171528932 20171528941 20171528947 20171529021 20171529370 20171529511 20171529516 20171529631 20171529656 20171529715 20171529754 20171529845 20171529860 20171529935 20171529956 20171530029 20171530047 20171530054 20171530103 20171530107 20171530156 20171530211 20171530407 20171530509 20171530574 20171530671 20171530768 20171530792 20171530794 20171530842 20171530858 20171530864 20171530869 20171530923 20171530962 20171530967 20171530968 20171530979 20171531002 20171531034 20171531199 20171531247 20171531308 20171531343 20171531389 20171531446 20171531493 20171531549 20171531592 20171531665 20171531748 20171531831

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Paul Knebel Vanessa Amoruso NATHAN JOHNSON MARIA HERRERA MEZA Steven Rohman Jacob Mielecki Deborah Myers Devon Doyle Raymond Cooper Sally Maddocks Monica Boyer JOHN STINAR Jonathon Alsteen Lynn Peier Thomas Salter SARAH HUMMEL Vu Bui Emily Bean Heather Foster Matthew Wilcoxson Fiala David Randall Jessee Christine Watry Maria Diaz Scott Garbe David Begin David Auer Benjamin Robinson Daniel Gibbons Jacob Andersen Clifton Black Bertha Ochoa David Brackett Luke Willis Tim Richard Gary Palmer Bobby Sorden Monica Hornbuckle Sam Cameron Kenneth CaHow Donald Schley Francisco Chavez Alyssa Johnson Riffe Ian Beverly Bank Anastasia Goldberg

5060 Diamond Drive 6660 Delmonico Dr 10625 TEACHOUT RD 3131 TEARDROP CIR 2853 Black Canyon Way 6968 Summer Grace 4421 Hwy 165 47 N. Circle Dr 6660 Delmonico Drive 6775 Grand Valley Dr 4807 Avondale Circle 3129 Poinsetta Drive 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 1155 KELLY JOHNSON BLVD 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 421 S. TEJON, SUITE 100 121 E. VERMIJO AVENUE 4412 Berryknoll Drive 2522 W St Vrain St 6720 Dancing Wind Drive 4658 PURCELL DRIVE 5343 Ferrari Drive 1209 Morningstar Dr 1437 Grass Valley Dr 1950 Bavaria #321 3333 N El Paso Street 381 Gold Claim Terrace 5185 Saddleback Hgts. 2703 Gunnison St 1220 Kachina Drive 15230 Bovary Ct 455 E Pikes Peak Ave. Suite 305 2911 Sage St. 805 Paseo Road 3208 N. Academy Blvd. Ste 140 2 N. Cascade, Suite 1100 3513 N. Prospect Street 1136 Cenotaph Way 1155 KELLY JOHNSON BLVD 1155 KELLY JOHNSON BLVD 1965 Shawnee dr 1332 Lookout Springs Dr. 3643 Hayman Ct 5249 Monarch Crest Way 107 West Cheyenne Road 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 121 S. Tejon Street, Suite 900 421 S. Tejon St. Suite 330 1353 Coolcrest Dr 121 S. Tejon Street, Suite 900 121 So. Tejon Street 31 N. Tejon Street 31 N. Tejon St 3165 Woodland Hills Dr 631 N. Foote Ave 657 Shooks Lane 2220 Hagerman St 2856 Janitell Rd 5002 Herndon Cir 685 Citadel Dr. E 121 S. Tejon Street

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Colorado Springs Business Journal

EXECUTIVE HOMES

July 28 - Aug. 3, 2017

Your source for fine homes in the Colorado Springs area.

For more information call 634-5905

The Bobbi Price Team

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

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

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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

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.

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GRAPHIC DESIGNER Looking for a FT graphic designer to start around early September 2017. This will be a split position between the Colorado Springs Business Journal and Colorado Springs Independent. Position includes editorial page layout for one or more of the military papers and a legal publication as well as creative advertising design and processing camera ready and pick up ads. Looking for someone with a positive attitude, desire to learn and be part of a small, hard-working team, knows the Adobe suite (especially InDesign and Photoshop), and can split their time and talent between editorial and advertising. If this describes your perfect day, email a cover letter, resume and link to your portfolio to jobs@csindy.com.

24 July 28 - Aug. 3, 2017

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. 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

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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

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

PUBLIC NOTICES 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 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 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

26 July 28 - Aug. 3, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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 Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): ANDREW 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: 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 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: 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 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700435 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): JOHN E TAYLOR Original Beneficiary(ies): WELLS FARGO BANK, N.A. Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: June 30, 2010 County of Recording: El Paso Recording Date of Deed of Trust: July 06, 2010 Recording Information (Reception No. and/or Book/Page No.): 210064371 Original Principal Amount: $157,874.00 Outstanding Principal Balance: $141,741.38 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. THE SOUTH 6 FEET OF LOT 8 AND ALL OF LOT 9 IN BLOCK 13 IN ADDITION NO 2 TO THE AUDUBON GARDEN ADDITION TO THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 2101 LARK DRIVE, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 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: 05/19/2017 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 # 17-015673 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. EPC201700438 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): MATTHEW LEE THOMAS ALLARD Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for RBC MORTGAGE COMPANY Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: December 06, 2004 County of Recording: El Paso Recording Date of Deed of Trust: December 15, 2004 Recording Information (Reception No. and/or Book/Page No.): 204204451 Original Principal Amount: $88,806.00 Outstanding Principal Balance: $78,818.44 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 2 IN EASTRIDGE SUBDIVISION NO. 5, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6964 PALMER PARK BOULEVARD, COLORADO SPRINGS, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 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: 05/19/2017 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: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-770655-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. EPC201700439 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): LARRY E. MULLINS, JR. and KERI MARIE MULLINS Original Beneficiary(ies): JPMORGAN CHASE BANK, N.A. Current Holder of Evidence of Debt: BAYVIEW LOAN SERVICING, LLC Date of Deed of Trust: February 22, 2013 County of Recording: El Paso Recording Date of Deed of Trust: June 27, 2013 Recording Information (Reception No. and/or Book/Page No.): 213083171 Original Principal Amount: $140,900.00 Outstanding Principal Balance: $143,821.57 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. ALL THAT PARCEL OF LAND IN CITY OF COLORADO SPRINGS, EL PASO COUNTY, STATE OF COLORADO, AS DESCRIBED IN DEED DOC #2006, DOC # 00043060, ID# 63132-12-002, BEING KNOWN AND DESIGNATED AS: LOT 34, ANTELOPE MEADOWS SUBDIVISION FILING NO. 4, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO **Loan Modification Agreement signed by Larry E Mullins Jr on June 18, 2014 Also known by street and number as: 6055 WHETSTONE DR, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 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: 05/19/2017 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: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Drive Boulder, CO 80305-5500 (303) 494-3000 Attorney File # 7192-9990 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. EPC201700441 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): JOHN K HALEY and MICHELLE D HALEY Original Beneficiary(ies): WELLS FARGO BANK, N.A. Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: April 04, 2008 County of Recording: El Paso Recording Date of Deed of Trust: April 09, 2008 Recording Information (Reception No. and/or Book/Page No.): 208040513 Original Principal Amount: $239,245.00 Outstanding Principal Balance: $212,683.83 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 10 IN THE RANGE 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: 7039 BONNIE BRAE LANE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 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

Colorado Springs Business Journal

July 28 - Aug. 3, 2017

PUBLIC NOTICES 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: 05/19/2017 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 # 17-015680 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. EPC201700448 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 22, 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): TERENCE P. DIXON Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for BROKER SOLUTIONS, INC.DBA NEW AMERICAN FUNDING, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: BROKER SOLUTIONS, INC. DBA NEW AMERICAN FUNDING Date of Deed of Trust: June 10, 2016 County of Recording: El Paso Recording Date of Deed of Trust: June 17, 2016 Recording Information (Reception No. and/or Book/Page No.): 216066045 Original Principal Amount: $474,393.00 Outstanding Principal Balance: $472,335.63 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 103, BANNING LEWIS RANCH FILING NO. 13A, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7224 TAHOE RIM DRIVE, COLORADO SPRINGS, CO 80927. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 38-

38-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 05/22/2017 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 # 17-015276 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. EPC201700449 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 22, 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): RON VAN ACKEREN and COLEEN VAN ACKEREN Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for WACHOVIA MORTGAGE, FSB Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: August 08, 2008 County of Recording: El Paso Recording Date of Deed of Trust: August 11, 2008 Recording Information (Reception No. and/or Book/Page No.): 208090164 Original Principal Amount: $158,400.00 Outstanding Principal Balance: $140,249.81 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 41, BLOCK 7, VILLA LOMA SUBDIVISION FILING NO. 4 - AMENDED, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4960 VILLA LOMA CT, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 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 38-38-

103.2, 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: 05/22/2017 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: Erin Robson #46557 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-771361-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. EPC201700456 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On May 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): Trey S. Selby Original Beneficiary(ies): Pacific States Mortgage, Inc Current Holder of Evidence of Debt: U.S. Bank National Association Date of Deed of Trust: December 03, 2003 County of Recording: El Paso Recording Date of Deed of Trust: December 05, 2003 Recording Information (Reception No. and/or Book/Page No.): 203282228 Original Principal Amount: $131,929.00 Outstanding Principal Balance: $188,969.99 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 6 IN BLOCK 8, IN CIMARRON HILLS FILING NO. 5, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6885 Mescalero Drive, Colorado Springs, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 09/20/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 7/28/2017 Last Publication: 8/25/2017 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: 05/24/2017 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: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-770738-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 of Election and Demand: Name of Record Owner as evidenced on the Notice of Election and Demand or other 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 Recording Information: 203290756 Recording Date of Notice of Election and Demand: December 05, 2016 Recording Information of Notice of Election and Demand: 216140503 Legal Description of Property LOT 3, L & R SUBDIVISION, COUNTY 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 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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