Colorado Springs Business Journal, February 17, 2017 by Colorado Springs Business Journal

HAZLEHURST: COUNCIL STILL WIELDS INFLUENCE 3 SMALL BIZ

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VOLUME 27, NUMBER 46 | Feb. 17 - Feb. 23, 2017 | $2.00

Infrastructure tested as region grows

Photo by Bryan Grossman

By Bryan Grossman

olorado’s already-strained infrastructure could be further tested, as some experts expect the state’s population to grow from 5.4 million to 8 million in the next 20 years. Most of the influx will likely be along the Front Range, and growth projections mean transportation and stormwater entities have started addressing shortcomings today to meet tomorrow’s demands.

FALLING BEHIND Charged with maintaining, repairing and plowing more than 23,000 total lane miles of highways and 3,447 bridges, there is no shortage of projects

on the Colorado Department of Transportation’s to-do list. But three projects, according to CDOT Executive Director Shailen Bhatt, have climbed to the top of the priorities list in recent years: the widening of Interstate 70 from west of Denver to Idaho Springs; the widening of Interstate 25 from northern Denver to Fort Collins; and the widening of “The Gap,” the 17-mile portion of I-25 between Monument Hill and Castle Rock. “Those are major corridors from a road capacity perspective,” Bhatt said, adding the environmental studies have been accelerated on the Monument/ Castle Rock corridor and that project could be completed by 2021. “If the money shows up, we’ll be ready,” he said.

But CDOT is already facing funding challenges. The department relies on state gas-tax collections (the 12th lowest in the country), and the tax has not been increased since 1991. Amid other challenges, Bhatt said the revenue problems have led to a $1 billion projected shortfall each year for the next decade. “We’re falling farther behind,” Bhatt said. “Our budget is now almost exclusively used to maintain the system we have. Everyone says to widen I-25 and I-70 and U.S. 50 to deal with this incredible growth, but the budget has not grown, and we’re spending less per capita today than we did in 1991.” Bhatt said the oft-cited conservative nature of See Infrastructure page 9

Trump rolls back fiduciary rule E By Cameron Moix

arlier this month, President Donald Trump ordered the review (and subsequent delay) of a Department of Labor investment-advice rule that would require financial advisers to act in the best interests of clients seeking retirement services, requiring them to disclose any conflicts of interest or fees they receive from entities they recommend to clients. The DoL’s final fiduciary rule was slated for an April 10 implementation by the Obama administration, but Trump’s Feb. 3 directive is expected to result in a six-month delay that is likely to lead to its revision or replacement. The executive order, and a White House memoran-

dum that followed soon after, instructed the DoL to “examine the fiduciary rule in order to determine whether it may adversely affect the ability of Americans to gain access to retirement information and financial advice.” “One of the priorities of my administration is to empower Americans to make their own financial decisions, to facilitate their ability to save for retirement and build the individual wealth necessary to afford typical lifetime expenses,” Trump said in the memo. “[The rule] may significantly alter the manner in which Americans can receive financial advice, and may not be consistent with the policies of my administration.” The review will include an economic and legal analysis on the potential impact of the rule, disruptions it 6

ONE-ON-ONE

Hired lobbyist discusses politics and policies in Washington, D.C.

INSIDE

Inside CyberWorx............................5 Venture philanthropy......................6 YP: Sonia Ruelas (left)....................7 Pueblo Biz News............................12 The List...........................................17 Other Voices...................................19

EDITORIAL: DE-BRUCING COLORADO SPRINGS

56525 10751

ELISE PICKERING

FINANCIAL PLANNERS AT ODDS OVER IMPLICATIONS FOR THE RETIREMENT SERVICES INDUSTRY

might cause to the retirement services industry and whether it is likely to result in price increases for such services (as well as whether the rule might result in more litigation). The rule — and Trump’s decision to delay it — has both advocates and opponents. Those in favor of Trump’s order to delay its implementation argue that it is overly complex, costly and could result in increased prices for retirement services. Meanwhile, proponents contend that it would protect lower- and middle-class retirees from receiving advice that does more to benefit advisers than clients. See Rule page 11

2 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

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Amy G. Sweet........................................ amy.sweet@csbj.com

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Amber Baillie...................................... amber.baillie@csbj.com John Hazlehurst, Sr. Reporter.....john.hazlehurst@csbj.com Cameron Moix..................................cameron.moix@csbj.com Copy Editor

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Let’s reconsider the Taxpayer’s Bill of Rights What we think: It’s time to consider de-Brucing Colorado Springs — permanently.

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

olorado Springs’ government once again has excess revenue — about $7 million from 2016 tax collections. And once again, the city is asking to keep that excess revenue. Currently under Colorado’s constitution the city has to give that back to taxpayers, thanks to the Taxpayer’s Bill of Rights, authored by Douglas Bruce, the infamous anti-tax advocate who recently spent time in prison for failing to pay taxes. There are always people who believe that government has enough money, that the funds it does have are being misspent, and there’s no reason to hand over yet more revenue to the wasteful spenders in charge of city tax dollars. Those people clearly don’t understand the tremendous stress on the city budget from years of delaying major projects, recovering from a major wildfire (and subsequent flooding) and mandatory upgrades to stormwater infrastructure to avoid still more lawsuits from our downstream neighbors, environmental groups and/or the federal government. Mayor John Suthers is asking to retain the funds — something popularly known as “de-Brucing” — the Springs being just one of many government entities hoping to opt out of the complicated formula for keeping excess revenue. The formula combines a measure of population growth with increases in inflation. Even during boom times, governments across Colorado are forced to cut programs instead when they should be able

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IN OUR OPINION

The issue: The city is asking to retain millions in excess revenue to meet the demands of its infrastructure backlog.

Cathy Reilly...........................................frontdesk@csindy.com

to maintain program funding and at the same time save for downturns or put money toward much-needed infrastructure or other priorities. The initiative will be on the April ballot, and will include possible excess revenue from 2017 as well, to prevent a costly special election in 2018 (our city elections take place in odd-numbered years). In Colorado Springs, much of the money would go toward stormwater fixes needed to meet the requirements of an intergovernmental agreement with Pueblo. Under that long-term agreement, the city eventually must pay for about $460 million in upgrades to local infrastructure aimed at preventing flooding downstream. In addition, the city is facing federal and state lawsuits for violating its stormwater permits. For residents, this will be the second de-Brucing — more than 70 percent of city voters last year allowed the city to keep $2.1 million to improve trails damaged by rain and flooding in May 2015. In the birthplace of TABOR, it could be a harder sell this time around. It shouldn’t — if the initiative is turned down in April, residents will only see a single credit of $36 on their bills from Colorado Springs Utilities. And maybe it’s time to go a step further than the multi-year fix asked for on the April ballot. While no one argues with the provision that government should ask voters before raising taxes, maybe it’s time to end TABOR’s stranglehold by removing revenue caps or by determining them in some other way. When times are tough, it makes sense to have tighter state and local budgets — but when economic recovery is as strong and robust as it has been in Colorado, we should be able to invest in the state’s education, its roads and its infrastructure. We should vote to keep the excess revenue for the next two years — and we should also lobby on the state level to make changes to a restrictive constitutional amendment that makes it harder for government to meet the needs of citizens. CSBJ n

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Colorado Springs Business Journal

OPINION: HAZLEHURST

Springs city council retains strong role

fter the voter-approved strong mayor initiative took effect in 2011, many observers expected that the Colorado Springs City Council would devolve into a relatively powerless, policy-making body. Absent the power to hire and fire the city manager, to determine city budgets or to require senior city managers to respond immediately to councilors’ individual concerns, council would clearly be much diminished. But instead of withering away, council has become more proactive, more engaged and arguably more powerful since 2011 — although not without false starts and dysfunction. When Mayor Steve Bach first took office in 2011, he assumed that the powers of his office were such that he could pretty much do what he wanted. As one with no experience in government, he ran into the same kind of institutional constraints that have handicapped our newly elected president. While city rules and procedures have changed since Colorado Springs was first incorporated in the 19th century, those changes have usually been gradual and cumulative, not sudden and disruptive. Bach’s attempts to seize the reins of government were seen by a council majority as imperious overreach. The mayor wasn’t interested in compromising with council, even to the extent of allowing the members to appoint their own staff. He believed that doing so would fatally weaken mayoral authority and expected that elections in 2013 would bring a more malleable group into office. The business community’s effort to identify and support new candidates who were both business-friendly and collaborative failed spectacularly. The 2013 councilors were anything but conciliatory. District 3 Councilor Keith King was selected by his colleagues to become council president. The wily King, a veteran state legislator, was used to the give and take of partisan politics. He expected that Bach would be open to compromise, just as Republican and Democratic governors had been in times when the other party controlled at least one branch of the legislature. But Bach refused to compromise, even ignoring council vetoes. King’s fragile majority came to be defined by its opposition to all things mayoral, frustrating any attempts to end intragovernmental hostilities. Council and mayor couldn’t agree on proposals to fill potholes, fix the streets or rebuild stormwater infrastructure — so nothing happened. Four years after the strong mayor

form of government was instituted, it was clear that neither council nor mayor could move forward without the other. Far from being powerless, council had reasserted itself as an equal player. A new template HAZLEHURST was created in 2015 when John Suthers became mayor and Merv Bennett succeeded King as council president. Both had managed large organizations, both had political experience and both had a keen appreciation of the other’s position in government. Newly elected councilmembers Larry Bagley and Tom Strand helped create positive momentum, as did a resurgent economy. Council and the administration worked together to pass the “pothole tax” and craft an intergovernmental agreement on stormwater mitigation with Pueblo, but there still are occasional signs of strain in the relationship. Will council and the mayor keep singing Kumbaya, or will today’s era of good feelings come to an abrupt end? In many respects, the mayor holds most of the cards. “If we want to work on an issue that the mayor doesn’t support,” said one councilor, who didn’t want to be identified, “city staff may not be very cooperative, so we have to work very hard to get the facts.” Given that councilors are paid so little, have limited staff and contend with a well-paid mayor with dozens of senior staff members, how can they hold their own? “I think they can,” said one long-tenured city staffer, “because council has changed in the last few years. You have a majority of military retirees — they understand large government bureaucracies; they’re financially able to commit their time and they’re kind of relentless.” “You can’t be part-time if you’re going to represent your constituents,” said District 5 incumbent (and Air Force veteran) Jill Gaebler. “There are about 72,000 residents in my district, and I owe it to them to treat it like a full-time job.” And while council was stripped of some of its powers in 2011, it retained authority over land use decisions and also serves as the Utility Board. In today’s booming economy, those functions are particularly important to the business community. And that’s why organizations such as Colorado Springs Forward and the Housing & Building Association are investing so much time, money and energy in the April city election. CSBJ

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ONE-ON-ONE

Lobbyist advocates for Springs from nation’s capital By Bryan Grossman

hile Elise Pickering has never officially lived in Colorado Springs, she has the responsibility for acting as its voice at the nation’s capital. Pickering represents Colorado Springs and its Pikes Peak Federal Action Coalition, or mPACT, as a lobbyist at the bipartisan firm of Mehlman, Castagnetti, Rosen, Bingel and Thomas. The coalition is a group of 13 local private businesses, nonprofits and government entities. Originally from California, Pickering spent time overseas thanks to her father, who worked as a defense contractor. After returning to the U.S. and settling in Arizona, Pickering attended college in Southern California, earned a degree in political science, and moved to Washington, D.C., where she’s lived ever since. Pickering spoke with the Business Journal this week about politics, advocacy and working for clients some 1,643 miles away. Why were you interested in politics? Actually I was initially interested in international politics. I wanted to go to the [U.S.] State Department, but when I graduated they had a hiring freeze, so I got a job answering phones at a law firm in Washington. I was waiting tables at night to make ends meet. But I met a lot of young women who worked on [Capitol Hill] while waiting for the State Department thing. It piqued my interest, so I applied for a job and ended up working for the congressman from the district where I attended college. I eventually moved from answering phones and constituent mail to being a legislative assistant … to a senior legislative assistant … to legislative director and eventually a chief of staff. Was that under one congressman? No, I worked for three congressmen. Bill Dannemeyer from California, then Roscoe Bartlett from Maryland. It was a tough time then for Republicans to find jobs. He gave me a break and I’m eternally grateful. … And when the Republicans took the majority [in 1994], a member named John Shadegg from Arizona won, and I worked for him starting in 1995, off and on, through 2006. What happened in 2006? I went to work for my lobbying firm. I did take a break in between and was the congressional liaison and legislative director for the Bush/Cheney re-election campaign. That was a break for a year. Talk about your transition to lobbyist. I had lobbied for Southern Company, which is a utility out of the Southeast. So I had experience lobbying before, but it was for a private corporation. The multi-client thing is very different, but in a way it was kind of similar to when I was the congressional director and legislative liaison for the campaign. [As legislative liaison] I was constantly calling other offices, asking them to go on ‘Meet the Press’ or booking them to be our surrogates or working with our campaign on an event in their district and trying to manage who rides on Air Force One. It was a juggling act, like I have now. But I find it’s natural for me — handling multiple issues. There’s always something going on in Congress — the National Defense Authorization Act or the repeal of Obamacare — I get to play in different sections, and it’s interesting. Do you think “lobbyist” carries a negative connotation? There are bad actors in any profession. I think, sadly, some bad actors in Washington have given all of us a bad name. My motto is never to ask anybody to do anything I wouldn’t have done on the Hill, but I think “advocate” would be a better word than “lobbyist.” How did you get involved with Colorado Springs? My husband is retired from the Air Force, where he served for 28 years. He went to the Air Force Academy and was stationed at Peterson [Air Force Base]. … He was also stationed at Buckley [Air Force Base], and I was going back and forth between there and Washington. I got involved with Colorado Springs because I’d heard they were looking for a D.C. lobbyist. I called Stephannie [Finley Fortune]. I knew Stephannie because we were both chiefs of staff on the Hill at the same time. … She knew of me and our firm. We came in and pitched and, for me, it was great because I was already coming out every other week. I could come down [to Colorado Springs] and get to know people and get involved in the community. That was 2010.

ELISE PICKERING I think, sadly, some bad actors in Washington have given all of us a bad name.”

What has been the return on investment for mPACT? We helped a lot to get $19 million for Waldo Canyon [wildfire disaster funding]. We were very active with the delegation to secure that money. The wonderful thing about that was we were really the only other money besides [Hurricane] Sandy [emergency] funding provided that year. The odds of us getting that done — it was very difficult. It’s one of the things I’m most proud of. See Lobbyist page 16 Photo by Bryan Grossman

Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

USAFA: CyberWorx program is now operational By Cameron Moix

ilitary officials have announced that the Air Force Academy’s CyberWorx program — designed to train the next generation of American warfighters to more effectively engage threats in cyberspace — has reached its “initial operating capability.” High-ranking Air Force officials from the Academy and from Air Force Space Command announced the achievement at a press conference last Wednesday (Feb. 8) during a three-day conference at The Broadmoor hotel in Colorado Springs. “Achieving [initial operating capability denotes] that a new unit or weapon system is capable of being utilized and delivers a new capability — in this case, that Air Force CyberWorx is open, proven and ready for more business,” said USAFA spokesman John Van Winkle. Van Winkle qualified that by adding that the program is not at its “final state or full capacity, but it’s a significant step in that direction.” According to Lt. Col. Cynthia Brothers, an Academy professor who handles partner relations and outreach for CyberWorx, the program’s operational status comes after its recent completion of three simultaneous projects. “These projects focused on cyber risk and situational awareness reporting,” she said. “Every one of those projects has leveraged social and intellectual diversity through the use of human-centric ‘design thinking’ methodology found and applied in the most successful private industries.” The concept of “design thinking” is at the center of the CyberWorx model, officials said. The term comes from work performed at Stanford University that focused on design as a way of thinking and the basis for executing creative action.

“‘Design thinking’ is a concept for problem solvvision for the program relies heavily on collaborating ing that brings a diverse group of people together to with businesses and nonprofits to educate and train work quickly toward good answers,” said CyberWorx officers to keep up with the rapidly changing internet Director Col. Jeff Collins. “While designing, the team environment, and to use the lessons learned to more uses techniques of rapid, low-fidelity prototyping to effectively integrate the Air Force’s three mission dofind out what ideas work, don’t work and can be made mains: air, space and cyberspace. better to improve the end-user’s experience.” “For the Air Force, CyberWorx represents a new and Collins went on to explain some of the ins and outs unique opportunity to — through design thinking and of the program. problem-solving — harness the ingenuity of 4,000“By the end of what CyberWorx calls our ‘design plus digital natives to innovate new and better ways sprints,’ the team has looked at poto revolutionize our employment tentially hundreds of ideas, quickof cyber,” she said. ly tried many of them, and comes “The future of CyberWorx is together toward a few innovative bright; it’s full of possibilities and solutions or policy advancements we’re currently finalizing space on that have a high probability of two floors of our library … to deworking for the warfighter user,” velop the capacity for up to three he said. simultaneous projects.” “These sprints are a very rapid While the Academy is working method of getting good solutions — Cynthia Brothers to create a dedicated space for the and having the whole team buy in program, it’s already looking ahead on the proposals moving forward.” with plans to eventually construct The program was founded last year with the pria “state-of-the-art facility paid for with MILCON [milimary motive of helping the Air Force — and the U.S. tary construction] and private donor funds with highmilitary as a whole — adapt to the changing digital tech laboratories and collaboration spaces to support landscape of war. 10 simultaneous projects,” Johnson said. “But the To achieve a more well-rounded approach to digcrown jewel of this program will not be its physical ital challenges, the program partners with a slew location but its revolutionary breakthroughs.” of government agencies, educational institutions, Gen. John Raymond, commander of U.S. Air Force nonprofits and companies. Space Command (headquartered at Peterson Air Force So far, those partners have included Boecore Base in Colorado Springs), said the work that is curInc., Boeing, LinQuest, MTSI, SynGlyphX, Vance rently being done at CyberWorx has already made Consulting, Peak Social Insights, Otis LLC, nestCare, a considerable impact by establishing a “new cyber Rim Technologies, Fourth Axis Games, Bourbon training model” for the military. Street Productions, Spark Mindset and Braxton “There is nothing that we do as a joint force that Technologies, among others. doesn’t rely on cyber — so it’s important that we up During the press conference, Academy Superintendent Lt. Gen. Michelle Johnson said her our game in cyber,” he said. CSBJ

“Every one of those projects has leveraged social and intellectual diversity.”

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Colorado Springs Business Journal

Narrowing in on venture philanthropy stakeholders, including its investors,” he said. There is no one set definition for venture philanthropy, but the concept is worth considering, said Abby Laine Sienkiewicz, interim executive director at the Center for Nonprofit Excellence. “I would say it’s more popular than it was probably five to 10 years ago, [along with] related terms such as ‘social impact philanthropy,’ ‘angel philanthropy’ and organizations looking at program-related investments more than traditional grant sources,” she said. It’s positive to consider different ways to have social impact, she said. “I think it’s good we’re looking at the traditional grantor and grantee relationship and that, really, it’s about results, impact and outcomes,” Sienkiewicz said. “I think if that’s what we can focus on — and I think that has been the trend — then we are setting up organizations for success to serve their constituents.”

By Amber Baillie

erms such as “venture philanthropy,” “impact financing” and “program-related investments” have grown more common, and each has a focus on achieving measurable social impacts, along with financial return. These model descriptors are often lumped together and considered interchangeable, though they differ slightly in terms of enterprise financing, according to Jeff Cooper, a local entrepreneur and private investor. For instance, venture philanthropy can be more of a long-term investment, and program-related investments have an established timeframe. Venture philanthropy is an effective way of using capital to create good in the world, Cooper said, adding it uses traditional principles of venture capital financing but with an emphasis on impact, rather than wealth. It’s more of an involved approach to measuring a business’ social impact, he said, where the funder is more connected with the nonprofit’s operations and goals, such as by serving on its board. Cooper, executive director of The Richard Petritz Foundation and managing director of New Venture Resources, advised thinking of venture philanthropy as an evolving methodology where investors consider both business and social impact variables to achieve financial goals and help create value. “Every project we do, we really have to work with the entrepreneur or nonprofit management to think about what is practical, valid and reliable as well as measuring its impact,” Cooper said. Jibu, a local-based for-profit private water distribution company, has goals of making money and providing charitable impact by training and financing locals in East Africa to provide affordable drinking water. “People tend to think you have a pocket for giving and a pocket for making money, and you almost feel

A program of

TEXTILES WEST AT COTTONWOOD

Photo courtesy of Cottonwood

Kris Saxton is an instructor at Cottonwood, where Textiles West was initially funded through venture philanthropy.

guilty combining the two,” co-founder Randy Welsch told the Business Journal in 2015. “Why not make money that gets recycled back into your cause?” Success is about the creative use of capital to get the critical mass necessary to make a dent in a particular social problem, Cooper said. “The primary purpose from the social enterprise or business’ point of view is to grow value for all of its

Textiles West is a social enterprise within the Cottonwood Center for the Arts and an impact investment through The Richard Petritz Foundation. Cottonwood, a 501(c)3, aims to support and grow arts in the region through learning, exhibits, performances and studios for rent. Currently 96 artists have space in the building; the center includes five co-working areas. Although Cottonwood functions to serve the community and runs almost exclusively on its own earned revenues, executive director Jon Khoury said it turned to venture philanthropy. The Petritz Foundation provided Cottonwood $12,000 to purchase a high-end, large-format printer for Textiles West that would be devoted to fiber art, design and education. See Venture page 18

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Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

YOUNG PROFESSIONAL

Ruelas learns the ropes of small business By Amber Baillie

hen Sonia Ruelas joined the Peak Education scholarship program in middle school, it changed her life forever. The program gave her the resources and inspiration to become the first in her family to graduate from college. Program mentors and resources led the California native to participate in clubs and sports at Harrison High School. She ranked third in her class and received a full scholarship from the Kane Family Foundation to attend UCCS. “Peak Education was a huge motivator because it pushed me to get involved and educated me on what I needed to do to further my education,” she said. “I applied to so many scholarships in high school because I wasn’t sure if I could afford college. If it wasn’t for the Kane Scholarship, I probably would have taken a year off and worked.” Ruelas graduated with a bachelor’s degree in communications last year and began working for local business Equip Inc. in June — first as an intern, then as a part-time employee and now as a full-time account executive. This week the 22-year-old spoke with the Business Journal on her upbringing and passion for professional development and volunteer work. What does Equip Inc. do? The business originated manufacturing security covers for mall kiosks and has expanded, selling commercial-grade furniture such as barstools, tables and outdoor furniture for shopping centers. What does your role entail? I do administrative work, product research and customer quotes. We also sell fitness [equipment] covers on Amazon and I process those orders, as well as invoice and sometimes help production.

What do you enjoy most about your job? When I came to Equip Inc., I made it clear I wanted to learn as much about entrepreneurship, the core of the business and what it takes to run one as I could. I love working here because they’ve given me multiple paths. I work a lot with the customers, giving them quotes, but have also been able to learn more on marketing, how to work on the website and how our covers are produced. It’s fun getting to try on different hats. Do you hope to own business some day? I’m not sure. I will probably go back to school and get a degree in business or management. I want to be a huge asset to this company and see it grow to its potential. What do you like most about Colorado Springs? I really like the diversity of the city and like that there is so much opportunity, from small businesses to large corporations. It has more of a family feel; you can do outdoorsy stuff and it doesn’t feel like a bustling city, where everything is busy and crowded. I like being close to family and like that Denver is only an hour away and Pueblo is even closer. What has helped you professionally? I’m determined and ask a lot of questions when I don’t understand something or need something clarified. This company is very team-oriented and it’s a positive environment. I’m grateful for my co-workers and feel fortunate with the boss I have. What are you passionate about? Before I started working here I volunteered with the National Alliance for Mental Illness for about six months. I know a lot of people who deal with mental illness, and it’s never taken seriously. I have a sister who has a mental illness and I witnessed it when I was in middle school. I never knew there were so many resources for mental illness and I think awareness is important. NAMI is like a guide, a resource to anyone who needs help with mental illness or for family members of someone with mental illness. They offer classes and support groups and I really like what they stand for. With my sister, I wasn’t sure what to do and with my mom, we don’t really talk about that stuff. It’s not something we mentioned, and I think it could have helped us a lot. CSBJ n

Photo by Amber Baillie

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8 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

SMALL BUSINESS

Humble Coffee Location: 2103 Templeton Gap Road; 4379 Integrity Center Point Established: 2014 Employees: 8 Photo by Helen Robinson

Shelly Mirenda and Mike Hedrick just opened the second location of Humble Coffee, a drive-thru location on the Eastside of the city.

Contact: 719-448-6253, humblecoffee.com

Second coffee spot started with Humble connections By Helen Robinson

umble Coffee opened its second location, a drive-thru coffee shop, on Feb. 14 — but hopeful drivers had already been lining up for weeks. “We get so many people coming up every time we’re in here, and we have to say, ‘Not yet — soon!’” said co-owner Shelly Mirenda, just days before the opening. “One of the main reasons we wanted to open on the Eastside is there’s not a lot of local [coffee] here, so we’re excited to bring that to this side of town,” she said. “Already people’s enthusiasm and excitement are telling us it’s a great choice to be over here.” The Valentine’s Day opening of the new shop also marked the third anniversary of Humble’s Templeton Gap location, which Mirenda and her boyfriend, tattoo artist Mike Hedrick, bought almost a year ago. Hedrick and Mirenda, a former District 49 second-grade teacher, had just completed an ambitious interior remodel at the Templeton Gap shop when the

David, Aileen, Richard and Alex

chance to grab the Eastside location came up. They couldn’t pass it by. “I was reading our [online] reviews and responding to them, and one lady had left a review that said… ‘You guys need one out east. There’s an empty kiosk on the corner of Powers and Barnes — just saying,’” Hedrick recalled. “I came out here and looked at it that same day, and no one was here so I called about 20 numbers and eventually one called me back. We signed the lease that week.” Mirenda said many other businesses were interested in the location, so they moved fast — and found themselves facing yet another major remodel. The existing kiosk was “terrible looking on the inside, and the outside was not appealing” Hedrick recalled, so the pair and their willing staff spent many late nights bringing it up to their standards. “We had a little chaos for a bit and long, long nights,” he said. “I’d work in the [Templeton Gap] coffee shop in the morning, then go to my other job in the daytime, then come here at night and stay till 1 in the morning. “We wanted this to be somewhere our employees

like to be … if the place looks like a nightmare, they’re not going to be happy.” Caring for their employees is a theme Mirenda and Hedrick return to again and again. “Our crew is hands-down amazing, we’re like a little family,” Mirenda said. “What makes this successful is that the people we have are exceptional.” They credit their experienced employees, including Joshua Jewell, who took silver for Best Barista in the Indy 2016 Best Of Colorado Springs, with showing them the ropes when they bought Humble. While they had dreamed of owning a coffee shop for years, both were new to the business. Hedrick had bartended and waited tables through college, but his passion for coffee came from pre-dawn cups with his dad. “My dad’s military … and he’d work 48 on and 96 off, so every four days we’d get up at 3 in the morning. I was 8 years old, and I’d drink black coffee with him while he’d have breakfast, then I’d get back in bed. “So from the time I was that tall, I was like, ‘Black See Coffee page 16

Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

Infrastructure: Funding shortages, other challenges OTHER CHALLENGES

From page 1

Coloradans and tax hikes shouldn’t be a barrier to growth, pointing to fiscally conservative states such as Utah, Wyoming, Nebraska and Iowa that have raised taxes to support transportation. Bhatt also pointed to issues associated with the hospital provider fee, which is treated as a tax under Taxpayer’s Bill of Rights regulations and siphons funding that would go to state departments such as transportation. “Turning this into a red or blue, Republican or Democrat issue is silly to me,” Bhatt said. “Transportation investment has always been a bipartisan area — Shailen of support.” As politics go, infrastructure campaign promises made by President Donald Trump, along with a list released by his administration that included I-70 and I-25 as national infrastructure priorities, could mean significant federal funding under a rumored $1 trillion infrastructure bill. Bhatt has his eye on the Capitol. “There’s an air of cautious optimism right now,” Bhatt said. “We’re optimistic because the president and others have talked about infrastructure as an area they want to get something done.”

The Pikes Peak region is also experiencing unprecedented growth, and the city’s public works department is facing similar challenges to those of CDOT. Travis Easton, Colorado Springs public works director, pointed to the first year of the 2C sales tax for roads as a success, adding there are 230 lane miles planned for repair in 2017. The tax brought in about $50 million and about $47 million was spent in 2016, he said. The $3 million balance will carry over to projects this year, he said. Easton added that the tax has provided flexibility in how the city spends its Pikes Peak Rural Bhatt Transportation Authority funding. The approximately $16 million a year can now be used for maintenance. But funding projects isn’t the only challenge, Easton said. “We’re working right now on a 10year capital plan,” he said. “This year, we’re putting dollars to that. But we run into things beyond funding, like contractor availability and materials.” Easton said 2C has been used to repair salvageable roads, not reconstruct roads that have fallen into disrepair. “We’re addressing roads that, if we

“If the money shows up in two years, we’ll be ready.”

Learn more at cu.edu

don’t get to them soon, will ... need full reconstruction, and 2C is not meant for reconstruction.” There’s a growing focus on transit -oriented development and infill to build the city’s existing core. “That would include incentivizing infill construction,” Easton said. “A lot of those considerations reside in the planning department, and they are taking that into account.”

‘BUCKETS OF PROJECTS’ The biggest challenge for the city in the near future is stormwater management, he said. Through an intergovernmental agreement with Pueblo County, Colorado Springs agreed to $460 million in stormwater projects in 20 years. In 2013, the city conducted a stormwater needs assessment with engineering consultant CH2M Hill. “Basically it was an assessment that sought to gather all the stormwater infrastructure needs, put them in a list and come up with an aggregate [cost],” said Richard Mulledy, the city’s stormwater division manager. Project cost estimates were around $500 million. Recently the city began working with Pueblo County (the downstream recipient of much of Colorado Springs’ discharge and sediment) to come up with a stormwater program based on the CH2M Hill study. To compound matters, Pueblo County commissioners filed a

motion Feb. 8 to join an Environmental Protection Agency’s suit against the city of Colorado Springs over Clean Water Act violations, stating a lack of mitigation by Colorado Springs has led to elevated levels of E. coli, flooding and erosion. “What we did was we came up with an agreement we thought would meet most of the project needs on that list and meet the requirements of the city’s MS4 permit, which is a federally mandated permit to discharge city stormwater,” Mulledy said. Mulledy said several projects designed in 2016 will begin construction this year, such as the $4.5 million Sand Creek channel stabilization project near Platte Avenue and Powers Boulevard. The city also plans to retrofit and increase the size of a regional water quality pond at America the Beautiful Park, Mulledy said. Near Voyager Parkway, a multimillion-dollar channel stabilization project will also begin this year. “We have another 30 to 35 individual projects ranging from $50,000 to $400,000 each,” Mulledy said. “We will spend about $12 million to $14 million on actual capital projects this year.” The city is committed to fixing its stormwater infrastructure, he said. “Lack of infrastructure hurts,” he said. “It hurts the economy and it’s definitely unsafe. But it’s not just a safety and economic issue — it needs to be done anyway." CSBJ n

10 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

Focus

Photo by Cameron Moix

NEXT WEEK

TECHNOLOGY

NORTHERN COLORADO SPRINGS

2017 Cyberspace Symposium addresses ‘Internet of Things’

Two Samsung employees discuss the challenges of the digital age with an attendee of the Cyberspace Symposium on Feb. 8 in the event’s Microsoft Exhibit Hall, which hosted 110 vendors. By Cameron Moix

he future is now. Perhaps the most recent evidence of that is an ongoing international discussion about how to confront growing security threats posed by a new generation of internet-connected consumer goods such as cars, home appliances, watches and even diapers. Governments across the globe are considering the very real possibility of growth in “denial-of-service” attacks — as well as violations of personal privacy — via the myriad of devices that comprise what has become known as the “Internet of Things.” “Warning: This fridge is hackable,” is one disclaimer that could soon appear on wifi-enabled refrigerators in the European Union, according to a report by Politico. Experts consider one of the most-pressing issues facing the brave new world of technology — which now accounts for more than 5 billion devices worldwide — to be the fact that an inordinately small number of these internet-connected devices are manufactured with security concerns in mind. In fact, there are no U.S. security standards to prevent threats from becoming realities for owners of wifi-enabled devices, many designed without the ability to update software and firmware packages to keep up with the latest mechanisms for cyber-attack prevention. The Internet of Things was the prevailing theme at the 2017 Cyberspace Symposium (Feb. 6-9 at The Broadmoor), a program of the Armed Forces

Communications & Electronics Association (Rocky Mountain Chapter) that attracted more than 2,000 attendees and 110 vendors, as well as keynote speeches from Colorado Gov. John Hickenlooper and U.S. Air Force Space Command’s Gen. John W. Raymond. “Our symposium provides a national forum for industry and government to work together to help solve the challenges of cybersecurity, community cyber readiness and national defense,” according to the event’s website. Although the trend provides increased efficiency for users of IoT devices, it also makes the cyberspace terrain more complex with new and different kinds of threats, as well as further questions about how to tackle cybersecurity in a new age of technological advancement. A panel discussion at the event on Feb. 8 addressed these issues from an industry perspective, but with government, private sector and education represented. The panel was moderated by Air Force Lt. Gen. (Ret.) Harry Raduege, who serves as senior adviser to New York-based accounting firm Deloitte and managing director of the company’s Center for Cyber Innovation. The panelists were: • John Stewart, senior vice president, as well as chief security and trust officer, for California-based tech company Cisco Systems; • Pam Shockley-Zalabak, chancellor of UCCS; • Stephen Alexander, senior vice president and chief technology officer for Maryland-based telecommunications firm Ciena Corporation; and

• U.S. Air Force Lt. Gen. (Ret.) Bill Donahue, who now serves as executive vice president of Maryland-based IT company Sytel Inc. The four panelists delivered comments on the topic from their spheres of influence. “Today, we find ourselves faced with the absolute exponential growth in the Internet of Things,” Raduege said. He said that, from a post-military and governmental perspective, networks are vulnerable to attack, law enforcement related to cyber crime is difficult and partisan politics prevent the passage of vital cybersecurity legislation. “The cyber threats to the Internet of Things are increasing in frequency; they’re increasing in sophistication; they’re increasing in impact to every sector of the digital environment and they’re gaining the attention of all levels of the public and private sectors — both nationally and internationally,” according to Raduege. To emphasize the pervasive nature of these threats, Stewart’s opening statement focused on illustrating the ubiquity and varied applications of such technologies. “Last year, an entire herd of cows joined the internet,” he said of new tracking methods taken by some ranchers to monitor the health and migratory patterns of their livestock. “Trees are online. … There is actually a tree in Belgium that tweets. … There are diapers that are actually online now that you can connect to with an app on your phone.” Shockley-Zalabak, who retired Wednesday after 15 years at the uni-

versity, said she believes there needs to be a new model of collaboration and innovation between educational institutions, the government and the private sector to tackle the quandaries of this new age. “I think that a new model is not something that is controversial,” she said. “We need our public, private and nonprofit institutions working together in new ways to bring about the kinds of protection and advancement to offensive systems relative to realizing the potential of the Internet of Things.” Shockley-Zalabak said that when she considers the theme from an educational perspective — as well as one of protection from cyber crime, cyber warfare and privacy violations — there are three main objectives: • Workforce development; • Staying current and relevant; and • Moving from a defensive to an offensive posture. “That calls for some pretty sophisticated research in terms of product design and development,” she said. She also said that she thinks experts should work toward researching the behavioral psychology behind cyber attacks to better understand and thwart threats. “That research needs to meld better than it has in the past with behavioral science,” she said. “Why people do what they do, how they do what they do and how we can actually predict some of the behaviors that have become so destructive in our modern environment.” CSBJ n

Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

Rule: Delay meets mixed reviews among advisers would provide owners of IRAs and 401(k)s the kind this direction and some of the best advisers in the of legal recourse that is currently unavailable under industry are moving in this direction, the firms will the current system. eventually follow.” PRO-RULE Tower said that at least half of his new clients ask One proponent of the rule is the Financial Planning whether he is a fiduciary (a financial advisor legally ANTI-RULE Coalition, which holds the organizational stance that obligated to act in a client’s best interests) and that The National Association of Insurance and Financial it would protect millions of Americans currently planawareness has driven more advisers to embrace that Advisors directly opposes the rule — for seemingly ning for retirement. model. He attributes that trend to the similar reasons its proponents support it. “With just two months to go before consumer skepticism that grew out According to the Feb. 3 statement from NAIFA, its implementation date, the president of the Great Recession. the organization maintains that Trump’s order may has effectively given the green light to “I think that everyone knows at prevent harm to Americans planning for retirement. maintain the status quo of conflicted least one person who feels like they “It makes perfect sense for the administration to financial advice,” the Coalition said in were sold shoddy goods from a finandelay implementation of the Department of Labor a Feb. 3 news release. “The president cial services professional,” he said. “I fiduciary rule,” NAIFA President Paul Dougherty said is directing the Department of Labor — Scott Tipton think people are waking up to the in the statement. “Compliance deadlines imposed by to produce an outcome that will likely fact that there are multiple ways to the rule are quickly approaching, so it would make lead to either a complete gutting of consume financial advice … and that little sense to keep advisers, financial institutions this thoroughly vetted consumer protection or lead it shouldn’t be a ‘buyer-beware’ situation walking and their clients in limbo while the administration to its outright demise.” into a financial adviser’s office.” undertakes its thorough review of the rule.” The Coalition maintains that many firms and inTower said that the regulation would have little NAIFA’s concerns with the rule relate to additional dependent contractors had already implemented the effect on most advisers, but instead targets sales-drivlegal liability for advisers, increased costs for consumnew rule prior to its taking effect — and many saw it en firms that deal in “high-commission, low-quality ers and limited access for middle-market consumers as a positive step in the industry. financial products. seeking retirement services. “Already we are seeing benefits for retirement sav“The rule isn’t really designed for us,” Another of the rule’s opponents is ers in the form of lower fees, more options and firms he said. “It’s designed for the kinds of U.S. Rep. Scott Tipton, R-Colo., who developing additional ways to serve middle-income people we don’t associate with on a called it “another one-size-fits-all regAmericans,” according to the release. professional basis.” ulation from Washington bureaucrats Certified Financial Planner Kris Tower is the manThose “people” include big banks who have no idea what is best for famaging director of Denver-based American Portfolios and corporate brokerage firms where ilies in Colorado.” and president-elect of the Colorado Financial Planning salaries are commission-based and Tipton said that he has heard from — Kris Tower Association, a member organization of the Financial sales numbers are often seen as more financial advisers and their clients in Planning Coalition. valuable than quality customer service, cities like Pueblo and Grand Junction He said that, regardless of whether the rule is rewho expressed concerns that the rule would limit Tower said. vised or replaced, clients should be aware that not all retirement options. Enforcement of the rule would come largely by way financial advisers currently act in the best interest of “The president’s action is welcome news,” he said. of a “best interest contract exemption.” The BICE is “The last thing the federal government should do their clients. written into the language of the rule and is essenis make it harder for families to get the advice they “Rule or no rule, this is where the industry is movtially a contract that ensures the adviser is acting need.” CSBJ ing anyway,” he said. “As the clients are moving in as a fiduciary in the best interest of the client. It also From page 1

“The president’s action is welcome news.”

“It shouldn’t be a ‘buyer-beware’ situation.”

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12 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

Pueblo Business News

Analysis: Transportation solutions require unity W By John Hazlehurst

hile the 17-mile stretch of two-lane interstate between Monument Hill and Castle Rock has gotten the bulk of commuter attention recently, the corridor that connects Pueblo with the southern edge of Colorado Springs has also been seen as a symbol of a transportation system that once seamlessly connected the nation, but has since fallen victim to neglect and disrepair.

A TANGLED WEB

Photo from 1957 Colorado Springs High School Yearbook

Crews work on Interstate 25 in the 1950s, as the federal government funded 95 percent of the cost of the interstate highway system.

“I think that available funding has gone to the Denver area and I-70 in recent years,” said Colorado Springs City Council President Merv Bennett. “There’s been so much growth there. But we’re beginning to get some attention. The work in progress through Pueblo is very positive — that was a very dangerous part of the highway.” Bennett also touched on the combined impact of state transportation underfunding and federal regulations. An ongoing Pueblo project demon-

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strates just how difficult upgrades can be. In 2000, the Colorado Department of Transportation and the Federal Highway Administration initiated a study of the 7-mile stretch of I-25 that runs from U.S. Highway 50 to Pueblo Boulevard. “I-25 through the city of Pueblo is an aging facility that was constructed between 1949 and 1959,” the authors of the study noted. “The highway engineers at that time designed the freeway to serve transportation needs through the year 1975.” The study led to a “Community Visioning Process,” and eventually the “New Pueblo Freeway Project.” Planning slowly advanced and the state acquired funding for an Environmental Impact Statement, required by the National Environmental Policy Act. The draft EIS was published in 2011, leading to a final EIS in 2013. The $69 million project finally broke ground in 2015 and has yet to be completed. “We don’t yet have all the funding,” said Pueblo County Commissioner Sal Pace, “but it’s very important, both for public safety and aesthetics. Anyone

who drives it is aware of the tight curves, the absence of merge lanes — it’s a dangerous stretch of road. We’ve held off on some of the aesthetic improvements we want to make until the route realignments are complete. There’s an economic development perspective as well. We want people driving through town to have a good impression of our city, maybe stop and visit.” CDOT well understands the importance of the project to the local, state and even national economies. “I-25 serves as a critical north-south link in the nation’s Interstate Highway System and as a strategic international corridor under the North American Free Trade Agreement,” according to CDOT’s executive summary of the project. “The segment of I-25 that passes through Pueblo serves interstate travel, regional travel, local trips [with origins and destinations within Pueblo] and freight traffic.” If that’s the case, why not build it now?

Colorado Springs Business Journal

tax themselves [for transportation infrastructure] in any way, shape or form.”

HIGH-SPEED HISTORY

Prior to construction of I-25 along Colorado’s Front Range, two-lane highways with poor signage, frequent intersections and sharp curves connected cities from Greeley to Trinidad. U.S. 85/87, a particularly hazardous stretch popularly called “the ribbon of death,” linked Denver and Colorado Springs. The National Interstate and Defense Highways Act of 1956 authorized President Dwight Eisenhower’s federally funded Interstate Highway System on June 29, 1956. Construction began immediately throughout the nation, unimpeded by the fiscal and regulatory restraints that came in subsequent decades. The first contract was awarded six weeks later, as Missouri began construction of I-70 in St. Charles County. Colorado wasn’t far behind. Work on I-25 through the state began later that year. The 9.2 miles through Pueblo FINDING THE MONEY opened on July 1, 1959, the 12-mile segment through Colorado Springs a year “Building the interstate system was later, and by 1961, much of today’s I-25 a major and heroic undertaking,” said had taken shape. Colorado Springs urban planner/developInspired by the autobahns that er Les Gruen, who represented Colorado Germans used to move men and maSprings on the state Transportation teriel rapidly during World War II, Commission for eight years. “But it came Eisenhower believed a similar system with a catch. After the system was built, would serve the United States well in the federal government passed on the war and in peace. The 1956 legislaresponsibility for maintenance to the tion called for an extended network of states. So the question became, ‘How do 41,012 miles and nationwide design you pay for these things, because they’re standards, including: so darned expensive?’ • A minimum of two lanes in each “The state and federal gas taxes yield direction; less and less revenue, thanks to inflation • 12-foot lanes; and more fuel-efficient cars,” he said. • A 10-foot right paved shoulder; “CDOT’s budget was around $1.2 billion • Design speeds of 50-70 mph; when I was on the commission, and that • Uniform bridge clearances; only left about $100 million annually • Access on and off the roadway confor capital projects.” trolled with interchanges and grade That’s not much, Gruen noted, espeseparations. cially when you factor The system was in urgent needs from funded by a 90-10 Denver and the northpercent split between ern Front Range. the states and the “The I-70 project federal government. [in northeast Denver] The federal portion will cost about $1.2 was funded on a billion, I-25 from pay-as-you-go basis, Denver to Fort Collins using proceeds from is a mess, so there are — Les Gruen the federal gas and lots of competing lubricants tax. Much projects out there,” of Colorado’s system was funded with he said. a 95-5 split, taking into account the Getting funding for Colorado Springs amount of federally owned land withand Pueblo projects may require the two in the state. cities to work together. As envisioned, the system has been “We need to team up collaboratively a game-changer. Twenty-five percent and be a voice for southern Colorado,” of all vehicle-miles in the country are said Pace. “It’s important that we speak traveled on interstate highways. In as one. We’re very, very eager to work Colorado, commerce flows disproporwith Mayor [John] Suthers.” tionately on I-70 and I-25, the state’s Pace is also intrigued by the prosonly continuous interstate highways. pect of passenger rail along the Front Despite the importance of these links, Range. interstate updates and maintenance “We need to consider multi-modhave fallen behind. The 17-mile segment al solutions,” he said. “Senate Bill between Monument and Castle Rock 153 would establish the Southwest retains its original four-lane configuraChief and Front Range Passenger Rail tion, as does about 30 miles of roadway Commission, which would be a good between Colorado Springs and Pueblo. first step.” The commission would be Suthers signaled strong support for tasked with “facilitating the developupgrades. ment and operation of a Front Range “The Monument-Castle Rock project passenger rail system that provides needs to be done as soon as possible,” passenger rail service in and along the he said, “but eventually we’ll have to Interstate 25 corridor.” have passenger rail. And I-70? I really In any case, the prospects for more highway funding are dim. don’t know what the solution is.” CSBJ (Read about breaking the transportation “At present,” Gruen said, “there’s no appetite among Colorado residents to logjam in the Feb. 24 edition of CSBJ.)

“Building the interstate system was a major and heroic undertaking.”

Feb. 17 - Feb. 23, 2017

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14 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

BUSINESS BRIEFS

PEOPLE ON THE MOVE

Compiled by Lindsey Morrow

DENVER COMPANY LAUNCHES VC FUND Greenline Ventures recently started offering a $20 million venture capital fund specifically for underserved small businesses. According to Greenline’s website, eligible companies must be located in a low-income area, create or retain jobs and have positive cash flow. In addition, businesses also must fall into at least one of the following categories: minority or women ownership, have environmental benefits, provide living-wage jobs, extraordinary employee training programs and benefits, hiring preferences from the local community or other factors that have positive social impact. The funds can be used for working capital, business growth or expansion, business acquisitions and equipment financing. The firm can offer loan amounts ranging from $250,000 to $2 million, depending on borrower needs and business profile. To learn more or to apply for financing, visit greenlineventures.com/ greenline-small-business-capital-fund.

BBB, VECTRA BANK PRESENT AWARD For the first time, the Better Business Bureau of Southern Colorado presents a series of awards geared toward social-impact businesses — those companies that work to fill a social need as well as earn a profit. Called the PRISM Awards, the BBB partnered with Vectra Bank to celebrate the Social Impact Business of the Year, the Social Entrepreneur of the Year and the Social Startup of the Year awards. This year, the event is scheduled for 4:30-8 p.m. Friday, March 3, at The Carter Payne, 320 S. Weber St. “Social impact is the outcome of a mission-driven business or a business with a higher purpose that uses the powerful economic engine of capitalism for good,

not merely for gain… Social impact businesses and social entrepreneurs are changing the way business is done,” said Jonathan Liebert, executive director and CEO of the BBB of Southern Colorado. In addition to presenting sponsor Vectra Bank, the awards are also sponsored by the Springs Rescue Mission, the Colorado Springs Independent, Blue Star Recyclers, Center for Nonprofit Excellence, the Pikes Peak Small Business Development Center, AM 740 KVOR and Blakley + Co. The event is free, but space is limited. Reserve a spot at bbbsc.org.

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Brierley Associates

The Independence Center

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Colorado Springs Choral Society

Environmental Systems Design

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Promoted to Staff Attorney

New Manager

New Veterans Coach

GRIFFIS/BLESSING EXPANDS WOODLAND PARK PORTFOLIO The Gold Hill Shopping Center in Woodland Park selected Griffis/Blessings to manage the property. Rita Dugan, property manager, and Elizabeth Miller, portfolio assistance, will oversee operations with the assistance of Cindy Colby, property accountant. “The opportunity to manage this shopping center for a new owner out of Utah is very exciting as it expands our management footprint in Woodland Park,” said Senior Vice President Richard K. Davidson. The shopping center, which includes 15 tenants, is located at 741-799 Gold Hill Place South.

NONPROFIT RECEIVES NATIONAL AWARD Jana’s Campaign, a nonprofit with offices in Colorado Springs, Manitou Springs and Hays, Kan., that is focused on preventing gender and relationship violence, received the Mary Byron Project’s “Commended Program” award for its teen-dating violence prevention program. “We are thrilled to be the recipients of this award and

New Executive Director

New Vice President

New Graphic Designer

honored to be recognized by the Mary Byron Project,” said Christie Brungardt, cofounder of Jana’s Campaign. “We know that prevention of gender and relationship violence is critical work, and we are grateful for and humbled by this award.” As part of the Celebrating Solutions Award, the commendation includes a cash award used to expand activities to help adolescents and young adults recognize the difference between caring, supportive relationships and those that are controlling, manipulative or abusive.

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

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Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

ON THE HORIZON Compiled by Lindsey Morrow

Business Development

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

Networking Events

Regional Events

Tuesday, Feb. 21

Tuesday, Feb.21

SBDC: Tax Prep

SCWCC: Business Lunch

Woodland Park: Business After Hours

Workshop to help small businesses prepare their 2016 business taxes, $20, 9 a.m.-12 p.m., Pikes Peak Small Business Development Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc.org to register.

PPlD: Investment tools Learn how to use the same tools that investment professionals use to grow investment income, free, 6-7:30 p.m., Pikes Peak Library District’s Library 21c, 1175 Chapel Hills Road. Go to ppld.org to register.

Thursday, Feb. 23 UCCS: Marketing to Millennials This series covers strategies for marketing to the Millennial generation and building long-term relationships with them as customers, $100, 8:30-10:30 a.m., the Penrose House, 1661 Mesa Ave. Go to uccs.edu/business/community-resources to register.

SBDC: Small Biz Roundtable Join the Pikes Peak Small Business Development Center in a discussion about using financial statements to manage business, $10, 9 a.m.-noon, SBDC offices, 1675 Garden of the Gods Road, Register at pikespeaksbd.org.

Friday, Feb. 24 SCORE: Online protection Lean how to protect your online transactions, $49, 4-6 p.m., Pikes Peak Community College Downtown Campus, 100 W. Pikes Peak Ave. Go to aacshq.org/events to register.

Tuesday, Feb. 28 SBDC: Cyber CYA Learn how to protect your business interests in an increasingly risky cyber world, $20, Pikes Peak Small Business Development Center, 1675 Garden of the Gods Road. Go to pikespeaksbdc. org to register.

PPLD: MIND YOUR BUSINESS Learn the basics of starting a business, free, 8:30-10 a.m., Pikes Peak Library District’s Penrose Library, 20 N. Cascade Ave. Go to ppld.org to register.

PPLD: Create business Facebook pages Learn to create a Facebook page that attracts customers, free, Pikes Peak Library District’s Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Join the Southern Colorado Women’s Chamber for breakfast and networking, $38 for members, $46 for non-members, 11 a.m.-1 p.m., Garden of the Gods Club and Resort, 3320 Mesa Road. Register at chamber.scwcc.com/events.

Chamber: Connect Networking with the Chamber of Commerce & EDC, free, 11:30 a.m.-1 p.m., Jack Quinn’s, 21 S. Tejon St. Register at coloradospringschamberedc.com.

Wednesday, Feb. 22 AASC: Business to Business Connect with VIPs from the Apartment Association of Southern Colorado’s largest management companies, $100, 4-7 p.m., BluSky Restoration Contractors, 6240 Lake Shore Ct. Go to aacshq.org to register.

Thursday, Feb. 23 Chamber: After Hours Join the Chamber of Commerce & EDC for its business after hours event, free for members, $15 for partnering members and $25 for non-members, 5-7 p.m., the Cooks Marketplace, 4697 Centennial Blvd. Go to coloradospringschamberedc.com to register.

Hispanic Chamber: Network Networking mixer sponsored by the Colorado Springs Hispanic Chamber, free, 5:30-7 p.m., Ivywild School, 1604 S. Cascade Ave. Contact beastrong@ comcast.net for information.

Friday, Feb. 24 Chamber: State of the Fifth U.S. Rep. Doug Lamborn shares the State of the Fifth District, $50, Cheyenne Mountain Resort, 3225 Broadmoor Valley Road. Go to coloradosprings-chamberedc.com for more.

Black Chamber: Networking Colorado Springs Black Chamber of Commerce networking, free, 11:30 a.m.1 p.m. The Antlers, 4 S. Cascade Ave. Register at csbc.chamberof-commerce.

Teller County’s biggest networking event, free, 5:30-7 p.m., Shining Mountain Golf Club, 100 Shining Mountain Lane. Go to woodlandparkchamber.com to register.

Tri-Lakes: Business Accelerators Join the Tri-Lakes Chamber of Commerce for a weekly meeting, first visit free, 8-9 a.m., Fairfield Inn and Suites, 15275 Struthers Road. Register at trilakesbiz.com.

Wednesday, Feb. 22 Woodland Park: Economic Forecast Join the Woodland Park assessor’s office and the Greater Woodland Park Chamber of Commerce for the fifth annual Teller Country Economic Forecast Breakfast, free, 8-10 a.m., Ute Pass Cultural Center, 209 Midland Ave. Go to woodlandparkchamber.com to register.

Pueblo: Colorado Leading Edge Program

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

Tri-Lakes: Business After Hours

  

Join the Chamber for a monthly networking mixer, free for members, $5 for partner member, and $10 for non-members, 5-7 p.m., West End Center, 755 Highway 105. Register at trilakeschamber.com.

Thursday, Feb. 23





Fountain Valley: Business After Hours

AASC: Business to Business

Friday, Feb. 24

The Chamber of Commerce & EDC spends the day in Denver, $125, 10 a.m.-6:30 p.m. Register at colorado springs-chamberedc.com.

 

    

Tuesday, Feb. 28

Day at the Legislature



Move your business to the next level, $285, 3 p.m., Downtown Studio Classroom, 121 W. City Center Drive. Go to pueblochamber.org for more information.

Bring and enjoy some homecooked chili with the chamber, free, 6-8 p.m., Fountain City Hall, 116 S. Main St., Go to fountainvalleychamber.com/ events.html.

Join the Apartment Association of Southern Colorado with large management companies, $100, 4-7 p.m., BluSky Restoration Contractors, 6240 Lake Shore Court. Go to aacshq.org/ events to register.



Pueblo: Go Code Roadshow Join the entrepreneurial community in Pueblo for an evening of networking while hearing from organizers from Go Code Colorado — the apps and business challenge event that awards a mentor weekend and $25,000 to competing teams — about this year’s competition, free, 6:15-9 p.m., Rawlings Library. Go to pueblochamber.org for more information.

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16 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

Lobbyist: The Colorado Springs connection to D.C. From page 4

We’ve been involved with, during sequestration, making sure our delegation knows of our [military] assets and answering any questions they have. When United took over Tricare [in 2012], there were a lot of problems, and we facilitated fixing that. We are kind of an echo chamber that makes sure the information from here gets back [to the Capitol] and that our delegation is equipped to do what needs to be done to help the community. How much time do you spend in D.C.? I spend about 90 percent of my time in D.C. As much as I love it here, I’m not a good lobbyist if I’m not there. Is it difficult getting a sense of this community if you spend so much time away from here? Technology helps. We have calls with mPACT every other week, and we do in-person meetings once a month. Often, when people involved in the coalition come back East, I make a point of seeing them and hearing what’s on their minds. What are your greatest areas of focus? Defense, transportation, cybersecurity and health care. We’re doing everything we can to be ready for an infrastructure bill for the widening of I-25. As a community, we need to be organized and ready to go with things like environmental assessments. Tricare’s contract shifting from United to [Health Net Federal Services this year] is another focus, and people are very concerned. We’ve met with the delegation about our concerns, and they’re engaged.

Fort Carson is important to Colorado Springs. Anything new about BRACs [base relocations and closures]? There is a lot of resistance to BRAC in D.C. We’re making sure Fort Carson is as strong as it can be, so if there is a BRAC, Fort Carson’s not part of it. One of our other priorities is Gate 19. We’re doing everything we can to make sure the gate isn’t a bottleneck getting on and off base. What cities are we competing with? Within Colorado, we can look at Boulder, Denver and Aurora. They’re all spending more money on lobbyists than [Colorado Springs]. But I think the public/private partnership here is beneficial because it keeps costs down for the city and the county — and the private sector has skin in the game and is helping. I think our delegation is really supportive and the community is supportive. I think we’re doing all the things we need to be doing. Are there strengths to the region that make your job easier? Everybody loves Colorado Springs. I also think the outlook and support of the community is helpful. Do you think most people in the city know they have a lobbyist representing their interests? It doesn’t matter to me. I don’t do it for people to know I’m here. As long as the people who want to chip in and make this community as strong as it can be know I’m here and think I’m doing a good job, that’s all that matters to me. What are your greatest challenges? Part of the challenge of getting stuff done in Washington has been Washington’s structure for the

How could his proposed policies affect the region? I think regulatory relief will help with transportation projects, like the Interstate 25 expansion. It could affect forestland management, so we don’t have as many wildfires. There could be proactive opportunities that would put our community in a better, safer place. I think everyone is a little nervous about what the repeal and replacement of Obamacare will look like. I think health care companies were just getting used to what it was. I think there’s a lot of uncertainty right now. From the outside, D.C. appears to be pretty chaotic right now. Is it as chaotic up close? Yes. I think everyone’s trying to figure it out, and I think the White House is still trying to come together, too. [Transitioning] is a big thing to get your arms around. We are only 20 days in. It feels like a lot longer, doesn’t it? CSBJ n

From page 8

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Daily Routine

X Eat Breakfast X Grab Cup of Coffee X Say hi to everyone in the office X Read CSBJ Biz Daily email X Be the smartest person in the

coffee! Black coffee!’ I’ve always loved it.” Lately, Hedrick has been digging deeper, juggling 10-hour days at the tattoo shop with learning barista skills. “Until a few weeks ago I couldn’t make anything but espresso,” he said. “Shelly’s sort of the face of Humble, and I’ve been more the ‘mechanic’… but I want to learn all sides of the business.” All Humble’s employees will circulate Photo by Helen Robinson between the two locations. “They’re probably more excited than are local, and milk substitutes include we are,” Hedrick said. “Because they coconut, almond, soy and hemp milk. don’t have the nerves about it, they’re The couple talks about more locations, just ready to jump in.” but for now they’re enjoying an early While drive-thru/walk-up service has success — taking gold for best local cofto be fast, Hedrick and Mirenda say they won’t budge on quality or technique. fee shop in last year’s Indy Best Of — “Our standard at Humble is to make and they’re “so happy to be part of this sure everything we coffee community,” use is really high Mirenda said. quality,” Mirenda “It’s booming,” said. “We buy local she said. “We’re and organic where getting a real cofwe can … and we fee culture here, — Shelly Mirenda choose things that the kind you’d exare health conpect more in the scious so we know Northwest. We have beautiful places that we’re giving people what they enjoy like Loyal and Switchback … we go to while still having healthy options.” all the cafés throughout the city and just Humble’s beans — including medienjoy the atmosphere and the people. um-to-dark roast and white espresso “Coffee’s such a connection for peo— are roasted by their long-time partple,” Mirenda said. “It makes everything ners at Mango Tree Coffee (previously Firedance Roasters). The honey and teas a little bit better.” CSBJ

“Coffee’s such a connection for people.”

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What changes are you seeing in D.C.? Whether you like Donald Trump or you don’t like Donald Trump, he’s shaking things up and things are moving. Part of our challenge is communication with him and knowing what he’s going to do. He is not a man who sleeps. He’s a man of action and, every morning when I wake up, he’s done 50 different things. Keeping up with him will be a challenge, but that’s great because that’s what people wanted.

Coffee: Eastside location

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last few years. I think a challenge [in Colorado Springs] is working together to prioritize our focuses, which I don’t think is much different from other communities. But we need to focus our efforts and speak as one voice. We’re getting there.

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Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

THE LIST: INTERNET AND BROADBAND PROVIDERS

Internet and Broadband Providers

From The Book of Lists & Power Pages

Ranked by number of local employees

Ranked by No. of Local Employees Rank

1 CenturyLink’s employee giving campaign last year produced more than $600,000 in staff donations statewide to nonprofits and community organizations.

2 3 4

To purchase your own Book of Lists or the full Internet and Broadband Providers List, call Helen Robinson at 719-634-5905

Don’t miss The List

Feb. 24: Credit Card Processing March 3: Nonprofits March 10: Hotels March 17: IT Computer Support Companies

Name Address Phone/Fax Website/Email CenturyLink Inc. 308 E. Pikes Peak Ave. Colorado Springs, CO 80903 719-597-8418/N/A centurylink.com/N/A Simple Works 1040A Elkton Dr. Colorado Springs, CO 80907 719-476-0444/N/A simpleworksit.com/sales@simpleworksit.com Springs Hosting 1205 Shasta Dr. Colorado Springs, CO 80910 719-393-9266/866-450-9669 springshosting.com/solutions@springshosting.com Falcon Broadband Inc. 555 Hathaway Dr. Colorado Springs, CO 80915 719-573-5343/719-886-7925 falconbroadband.net/sales@falconbb.net PCI Broadband 6285 Lehman Dr., Ste. 100 Colorado Springs, CO 80918 719-264-1111/719-265-1775 pcibroadband.net/sales@PCIbroadband.net Data102 102 S.Tejon St., Ste. 220 Colorado Springs, CO 80903 719-387-0000/N/A data102.com/info@data102.com Peak Internet 1091 E. US Hwy. 24 Woodland Park, CO 80863 719-686-0250/N/A peakinter.net/N/A Comcast 213 N. Union Blvd. Colorado Springs, CO 80909 1-800-XFINITY/719-442-4883 xfinity.com/N/A

No. of Staff/ FT/ PT 205 N/A N/A

No. of Services Provided Customers

Person in Charge, Title

High-speed internet, VoIP, television, managed hosting, cloud computing, managed IT services

Technical Support/ Hours Available Y 24/7

N/A

25 25 N/A

2,000

Managed IT services, voice, data, disaster recovery, business continuity, networking, data center services

Y 24/7

Joshua Brambilla, General Manager

24 18 6

26,000

2,200

Y M-F 8 a.m. -5 p.m. (MST) Y 7 days/ week

Don Brown, Chief Executive Officer

16 16 N/A 12 12 N/A

3,600

Business Internet Service Provider (ISP) providing 100M-10G circuits to businesses in Southern Colorado. Specializing in providing business connections between multiple office locations to centralize systems for SMBs headquartered in Colorado Springs and nearby cities. Fiber to the premise, fiber to the home, telephone, internet, cable TV, video service, voice service, dedicated internet access, PRI voice services, metro ethernet services, point-to-point TDM circuits, circuits, transport, leased fiber, diverse routing, SIP trunks, hosted PBX, school and library E-Rate Fiber to the home, wireless broadband, VOIP, fast ethernet, gig ethernet, colocation, fiber

8 8 N/A

200

Data center services, colocation, virtual private servers, Cloud hosting, VoIP hosted handset, hosted sip trunking, bandwidth, internet access, transport, roof rights, email firewalls, backups, website hosting

Y N/A

David Samuel Payne, President

6 18 1

3,700

Broadband internet service, ethernet private line, VoIP and telephony services

Y 24/7

Jayson Baker, CEO, Austin Weatherford, VP of Operations

N/A N/A N/A

N/A

XFINITY TV, XFINITY Home, HDTV, OnDemand, DVR service, XFINITY Y Internet and XFINITY Voice; residential and commercial services 24/7

Guy Gunther, Vice President Operations

Ben Kley, General Manager

Y David 8 a.m. - 7 Wainwright, p.m., on call President after hours

Rich Jennings, Senior Vice President, Mountain West Region

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 helen.robinson@csbj.com.

This is the top listing of Internet and Broadband Providers that responded to questionnaires, notices and telephone inquiries.

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18 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

Venture: Profits and good deeds not mutually exclusive

Photo courtesy of Blue Star Recyclers

Zach works for Blue Star Recyclers, a social enterprise that employs individuals with disabilities.

From page 1

“We have a track record of making our own investment in social change, and now what we’re doing is showing the new metrics of the money that was loaned to us,” Khoury said. “Those numbers are jumping through the roof because we’ve already proved the most important point — that social change can come through the arts and it can be done in ways that people wouldn’t typically predict.” And it’s a neat mix of business and art, he said. “It’s not just about teaching people how to hem a pair of pants,” Khoury said. “We’re making people remember

what it is to actually put your hands on something, but also giving them the tools to potentially create things with the most state-of-the-art equipment.” Classes and lectures are occurring through the program and serving about 60 customers a month. The goal is to double those numbers by the end of 2017, Khoury said. “We want to see how it evolves, because you have to be responsive to where the needs are socially and practically,” he said.

BLUE STAR RECYCLERS Founded in 2009, the 501(c)3 has recycled almost 12 million pounds of electronics, keeping hazardous material

be tied to the goals of the funder.” out of landfills, and employing people Venture philanthropy doesn’t just with disabilities, including individuals give money away, but can be a friendwith autism. lier, more flexible funding source for Although Blue Star is not funded businesses, Morris said. through venture philanthropy, founder “They might be willing to loan money Bill Morris said the company is a social to a social enterprise, say with only a 2 enterprise that falls under a “social venpercent interest, first-year interest only, ture” and social impact umbrella. and if times get tough might be able to A social enterprise is a nonprofit or pay interest only, where the bank can’t for-profit that uses business methods do that,” he said. to achieve social impact, Morris said, “But what a venture philanthropist but instead of asking taxpayers for expects in return is funding, it asks its social impact that is customers. measurable.” “I think a social The company enterprise marries provides 40 jobs the very best of in Colorado, 24 in philanthropy with Colorado Springs; the very best busiit has reached more ness practices,” he than $6 million in said. “We engage earned income that the community goes right back into with a product and the community. service that they A person with a pay a fee for, and — Randy Welsch disability who is then we utilize the entitled to Medicaid earned income to Social Security disfund the mission of ability insurance benefits saves the taxemploying people with disabilities.” payer $18.30 an hour when working Traditionally nonprofits primarily at Blue Star, Morris said. receive income through grants and “Because when they’re earning indonations. But as of the end of 2016, come, they are taking less taxpayer benBlue Star is 95 percent self-sustaining, efit income,” he said, adding, “They’re Morris said. not being served in programs funded “We view success as being closer to by taxpayer dollars, and we have saved self-sustaining and less dependent on taxpayers just under $2 million since outside funding,” he said. “That allows we opened.” CSBJ us to set our own expectations and not

“People tend to think you have a pocket for giving and a pocket for making money, and you almost feel guilty combining the two.”

Your Essential Connection in The Rental Housing Industry

Helping Multi-family Builders, Property Managers & Industry Suppliers since 1970. Visit www.AASCHQ.Org to learn more. Apartment Association of Southern Colorado I 545 E. Pikes Peak Ave., Ste. 105 I Colorado Springs, CO 80903 I 719-264-9195

Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

OTHER VOICES

Immigration aided Colorado Springs’ growth

am an immigrant. What does it mean? More importantly in this political climate, what does it mean to my neighbors, colleagues or the U.S Citizenship and Immigration Services? SASSOWER After 40 years of being legally in the United States (35 as a citizen), I’m still struggling to explain to myself what this means. There are refugees or forced immigrants — and there are voluntary immigrants. Forced immigration can be political or economic, the result of domestic or international pressures. The Census Bureau reports that the average American moves about 12 times in a lifetime — some for jobs, others for marriage or family and still others for retirement. (Colorado Springs has its fair share of retirees.) Witness the array of bars and restaurants in town and you’ll quickly perceive the appeal of Springs Orleans for those who moved from the South and are looking for comfort dishes reminiscent of “home cooking.” You’ll discover the appeal of Edelweiss, with its distinctive old-world German cuisine, to other immigrants. Are Korean or German spouses of military personnel involuntary refugees or voluntary immigrants who chose to marry their loved ones and believed a

Raphael

better future awaited them here? Each case unfolds its own narrative, its own web of circumstances. My parents were refugees who escaped Germany in the late 1930s to survive the inevitable Nazi onslaught. They chose to leave at a particular moment (and thus escaped the concentration camps), but their “choice” was obviously involuntary. When I think of my own immigration, a voluntary one, from the comfort of my bourgeois home, it looks laughable compared to the ordeals my parents had to endure on their way to the British mandate in Palestine. I could have gone back; they had no such luxury. My own process of assimilation took some years, and I experienced anti-Semitism for the first time in my life when I moved to the United States. Perhaps what saved me was my compulsory service in the Israeli Defense Force (as every young man and woman there has to serve in the military), so I was given some respect when encountering quizzical locals in Colorado who respect the military. I recall the day when I stood with my attorney and two business neighbors — one a veterinarian, the other a balding gas-distribution owner and scion to a legendary local family — to discuss our development plans for the Warehouse complex. Three Caucasian males with their attorneys, looking at a century-old decaying building I’d just bought with my sister and brother-in-law.

The two neighbors insisted that I had no right to develop the building, that it would adversely affect them, and said they would use the law to block us. I thought it would be a friendly exchange in which we would explain our vision. At some point, the elderly bald man turned to me and said: “We don’t need newcomers like you here! Why don’t you go back to where you came from!” I turned to my attorney and asked whether I should punch him or respond. He kindly deflected the tension and begged me to remain calm. I was young; the two neighbors were old. Really, I asked him, “just remain quiet?” I did remain quiet. I had to go before the Colorado Springs City Council for approval, since my neighbors appealed every legally acquired zoning and building permit. The mayor was magnanimous, and council members were supportive, thankfully. Now, some 20 years later, the former abandoned building is paying a hefty annual real-estate tax bill, business tenants are employing dozens of young people and paying sales taxes, and in general, what was formerly a drug and prostitution area has been cleaned up. The police thanked me at the time. I’m still an immigrant, perhaps a more successful one than when I accepted a tenure-track position at UCCS

in 1996. That position, too, was risky at the time, with fewer than 3,000 students at a commuter campus. Times have changed. The Warehouse is a downtown institution. My involvement with Smokebrush, Kimball’s movie theater, my dear partner Perry Sanders in the Mining Exchange complex and a couple of other restaurants have all been downtown contributions. The city has grown as well. UCCS is a local powerhouse with more than 12,000 students and more buildings than I ever imagined. The reputation of the university extends internationally, far beyond the impact it has on the local economy. All the faculty moved into town from elsewhere. Do we want to stop growth? This was the sentiment of one of the guys who hired me: too much traffic, he complained (with 150,000 population). Don’t you want the energy and diversity that all newcomers bring to our lives, whether they come from Chicago or Syria? Next time you have a hatred-like itch, don’t scratch. Stop and think: Are you Native American? If not, you are an immigrant, too. Raphael Sassower, UCCS professor of philosophy, can be reached at rsassower@ gmail.com. See previous articles at sassower.blogspot.com. CSBJ

Next time you have a hatred-like itch, don’t scratch.

Emerging threats in 2017: Ransomware and malvertising

hile neither ransomware nor malvertising are new threats, today’s incarnations are nothing like what you’re used to dealing with. Cybersecurity experts are placing both of these threats near the top of their watchlist for 2017 — and with good reason. Ransomware is known for being an exceptionally sneaky DIERDORFF form of malware, and it’s picked up a few new tricks. Meanwhile, malvertising has found a way to hide in plain sight, in the last places you’d think to look for it. Ransomware has been relying heavily on tactics like phishing scams to get past businesses’ security measures. A new trend we’re starting to see centers on Secure Sockets Layers. SSL verification is a relatively simple way for businesses to protect customers by making sure they know they’re accessing a legitimate site and not a clever knock-off created by a cybercriminal. Now, hackers are leveraging SSL technology to use encrypted communication, as well as packets and links to get their malware into secured networks. Where malvertising is concerned, ad blockers and content filtering work well to keep malicious content at bay, but have started to create some problems of their own.

Trevor

Ads that appear in search results or before streaming videos that can’t load due to these filters can cause major headaches for anyone trying to access the content that follows the ad. This leads to users disabling filters or blockers, potentially allowing malvertising to run on their system. Another major issue is the appearance of these malicious ads on legitimate and well-known websites. Roughly 27 percent of today’s most popular websites have malvertising embedded on them at any given time. An employee browsing on CNN, for example, could easily click on an infected link without even realizing they’ve done something wrong, because we expect big-name sites to be immune to these kinds of security breaches. The real concern with this hidden-in-plain-sight malvertising is that it’s extremely difficult to control which ads get posted. Ads appear on the web pages because a third party has paid for the opportunity to advertise their product or service on a site, and unless each and every piece of advertising is checked thoroughly by the site owner, there is no way of knowing what an ad might contain.

But there is some good news here. It’s still possible to foil a hacker’s attempts at using malvertising against you by drilling a few smart browsing behaviors into your staff. First, make sure they understand the importance of using their work computer for business-only web activity — or at the very least know to never visit an unfamiliar website. Second, instruct employees to never use an ad or link to reach a website. For example, if they really need to take advantage of that great Amazon sale on their lunch break, they should navigate directly to Amazon’s site and search for the product there. To avoid both ransomware and malvertising, the most important thing to remember is that you need to be cautious at all times. Assuming an email came from a legitimate sender just because it looks right, or that a website is secure just because it’s owned by a major corporation, is no longer safe in 2017. Trevor Dierdorff owns Amnet Inc., an information technology firm headquartered in Colorado Springs. Reach him at trevor@amnet.net.

Another major issue is the appearance of these malicious ads on legitimate and well-known websites.

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5450 Wilson Road – Mountain Shadows - $425,000

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

Open & contemporary 2910 sq. ft. 1 ½-story with 4 bedrooms & 3 baths on beautifully landscaped 0.43 acre private lot. Tiled sunroom off lofted master suite with 5-piece master bath & walk-in California closet. Vaulted ceilings, skylights, & brand new carpeting. 2 ½-car finished & heated garage with workshop. Pikes Peak, mountain, city, & Garden of the Gods views. 2 decks & 2 stamped concrete patios. Flagstone walkways, pines, scrub oak, flat lawn areas, & rock terracing & fenced rear yard.

3335 Angelstone Point – Peregrine - $825,000

1043 Greenland Forest Drive – Monument - $575,000

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

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

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COMBINED NOTICE RESTART - PUBLICATION CRS §38-38-109(2)(b)(II FORECLOSURE SALE NO. EPC201600470 Republished to restart foreclosure stayed by bankruptcy and reset sale date. To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 6, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Brandon R Carlson-Strauss Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Broker Solutions, Inc. dba New American Funding, a Corporation Current Holder of Evidence of Debt: Lakeview Loan Servicing, LLC Date of Deed of Trust: June 10, 2015 County of Recording: El Paso Recording Date of Deed of Trust: July 22, 2015 Recording Information (Reception No. and/or Book/Page No.): 215077910 Original Principal Amount: $151,904.00 Outstanding Principal Balance: $151,245.23 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. PLEASE SEE ATTACHED LEGAL DESCRIPTION LEGAL DESCRIPTION EPC201600470 UNIT 205, CONDOMINIUM BUILDING 3, THE VISTAS AT NOR’WOOD CONDOMINIUMS, ACCORDING TO THE CONDOMINIUM MAP FOR THE VISTAS AT NOR’WOOD CONDOMINIUMS RECORDED DECEMBER 20, 2013 AT RECEPTION NO. 213600963 AND CONDOMINIUM BUILDING 3, THE VISTAS AT NORWOOD CONDOMINIUMS, ACCORDING TO THE CONDOMINIUM MAP FOR THE VISTAS AT NOR’WOOD CONDOMINIUMS RECORDED MAY 12, 2014 AT RECEPTION NO. 214600968 IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF THE COUNTY OF EL PASO, STATE OF COLORADO AND AS DEFINED AND DESCRIBED IN THE DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS OF THE VISTAS AT NORWOOD CONDOMINIUMS, RECORDED ON JANUARY 8, 2007 AT RECEPTION NO. 207003235 AND ANNEXATION OF ADDITIONAL LAND RECORDED MARCH 11, 2014 AT RECEPTION NO. 214019784 COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4835 Wells Branch Heights Unit 205, Colorado Springs, CO 80923-1146. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444

www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/06/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Lisa Cancanon #42043 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 3850.100214.F01 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. EPC201601134 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 10, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Devin R Allingham 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: December 11, 2015 County of Recording: El Paso Recording Date of Deed of Trust: December 14, 2015 Recording Information (Reception No. and/or Book/Page No.): 215133813 Original Principal Amount: $210,000.00 Outstanding Principal Balance: $208,783.65 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 23, BLOCK 7, CONSTITUTION HILLS NORTH FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 1256 Piros 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, 03/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/20/2017 Last Publication: 2/17/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau

P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/10/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Monica Kadrmas #34904 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006356885 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. EPC201601147 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 16, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JIM WORK Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FRANKLIN AMERICAN MORTGAGE COMPANY, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: June 06, 2012 County of Recording: El Paso Recording Date of Deed of Trust: June 11, 2012 Recording Information (Reception No. and/or Book/Page No.): 212066868 Original Principal Amount: $152,813.00 Outstanding Principal Balance: $142,500.41 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 39 IN BLOCK 1 IN REPLAT OF BLOCK 1, IN PINON SUN SUBDIVISION FILING NO. 2, EL PASO COUNTY, COLORADO. Also known by street and number as: 4905 DAYBREAK CIRCLE, COLORADO SPRINGS, CO 80917-2661. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/20/2017 Last Publication: 2/17/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244

(855) 411-2372 www.consumerfinance.gov DATE: 11/16/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 15-009309 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. EPC201601150 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 17, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): KODY RYAN GROEN Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR CALIBER HOME LOANS, INC. Current Holder of Evidence of Debt: U.S. BANK NATIONAL ASSOCIATION Date of Deed of Trust: July 08, 2015 County of Recording: El Paso Recording Date of Deed of Trust: July 14, 2015 Recording Information (Reception No. and/or Book/Page No.): 215074810 Original Principal Amount: $164,326.00 Outstanding Principal Balance: $162,080.73 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 17, BLOCK 10, ADDITION NO. 1 TO AUDUBON GARDENS ADDITION, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 2121 BONFOY AVENUE, COLORADO SPRINGS, CO 80909-1801. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/27/2017 Last Publication: 2/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/17/2016

Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006414593 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. EPC201601160 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 21, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SENIDA L. PRATTS Original Beneficiary(ies): WELLS FARGO BANK, N.A. Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: February 28, 2013 County of Recording: El Paso Recording Date of Deed of Trust: March 11, 2013 Recording Information (Reception No. and/or Book/Page No.): 213031090 Original Principal Amount: $158,668.12 Outstanding Principal Balance: $148,566.01 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 19 IN BLOCK 4 IN BRIDLEWOOD SUBDIVISION, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4409 ARGYLL CIR, COLORADO SPRINGS, CO 80915. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/27/2017 Last Publication: 2/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/21/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado

22 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

PUBLIC NOTICES By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013509 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. EPC201601166 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 22, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SEAN GUNN AND ERICA NICOLE CATHEY Original Beneficiary(ies): HOMEBRIDGE FINANCIAL SERVICES, INC. Current Holder of Evidence of Debt: HOMEBRIDGE FINANCIAL SERVICES, INC. Date of Deed of Trust: March 17, 2016 County of Recording: El Paso Recording Date of Deed of Trust: March 21, 2016 Recording Information (Reception No. and/or Book/Page No.): 216027996 Original Principal Amount: $262,000.00 Outstanding Principal Balance: $261,971.29 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 36, STETSON RIDGE SOUTH SUBDIVISION FILING NO. 3, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5473 STATUTE DRIVE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/27/2017 Last Publication: 2/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/22/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nathan F. Smith #48212 Malcolm Cisneros, a Law Corporation 2112 Business Center Drive Irvine, CA 92612 (949) 252-9400 Attorney File # B45439 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. EPC201601171 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 23, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): SHIRLEY A ZAEBST AND CARL W WRIGHT Original Beneficiary(ies): FIFTH THIRD MORTGAGE COMPANY Current Holder of Evidence of Debt: FIFTH THIRD MORTGAGE COMPANY Date of Deed of Trust: August 26, 2009 County of Recording: El Paso Recording Date of Deed of Trust: September 02, 2009 Recording Information (Reception No. and/or Book/Page No.): 209104773 Original Principal Amount: $246,391.00 Outstanding Principal Balance: $218,239.66 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. THE EAST 60 FEET OF LOT 8 AND THE SOUTH 25 FEET OF THE EAST 60 FEET OF LOT 7 IN BLOCK 15 IN THE REFILING OF A PART OF THE EAST END ADDITION TO THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK I AT PAGE 49. Also known by street and number as: 1212 E. MONUMENT ST., COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/27/2017 Last Publication: 2/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/23/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 16-948-29656 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. EPC201601175 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 23, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Jill Renee Chaffin Original Beneficiary(ies): Peoples Mortgage Corporation, a

Colorado Corporation Current Holder of Evidence of Debt: Bank of America, N.A. Date of Deed of Trust: February 26, 2007 County of Recording: El Paso Recording Date of Deed of Trust: March 02, 2007 Recording Information (Reception No. and/or Book/Page No.): 207029535 Original Principal Amount: $86,224.00 Outstanding Principal Balance: $76,610.12 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. SEE ATTACHED EXHIBIT A EPC201601175 EXHIBIT “A” – LEGAL DESCRIPTION CONDOMINIUM UNIT D IN CONDOMINIUM BUILDING 3230, SIERRA POINTE CONDOMINIUMS (FORMERLY KNOWN AS SNAPFINGER WOODS CONDOMINIUMS), ACCORDING TO THE AMENDED CONDOMINIUM DECLARATION FOR SNAPFINGER WOODS CONDOMINIUMS, RECORDED ON JUNE 22, 1981 IN BOOK 2 AT PAGE 58, RECEPTION NO. 781667, IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF THE COUNTY OF EL PASO, COLORADO, AND AS DEFINED AND DESCRIBED IN THE AMENDED AND RESTATED CONDOMINIUM DECLARATION FOR SIERRA POINTE CONDOMINIUMS (FORMERLY KNOWN AS SNAPFINGER WOODS CONDOMINIUMS) RECORDED MAY 22, 1986 IN BOOK 5173 AT PAGE 1468, RECEPTION NO. 01399203, IN SAID RECORDS. COUNTY OF EL PASO, STATE OF COLORADO. The legal description on the Deed of Trust was corrected by an Affidavit of Scrivener’s Error recorded on September 23, 2015 at Reception No. 215103805 in the records of El Paso County. Also known by street and number as: 3230-D Van Teylingen Drive, Colorado Springs, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 1/27/2017 Last Publication: 2/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/23/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David W. Drake #43315 Randall S. Miller & Associates, P.C. 216 16th Street, Suite 1210 Denver, CO 80202 (720) 259-6710 Attorney File # 15CO00393-5 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. EPC201601179 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 29, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): FRED R WILLS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR AMERICAN LIBERTY MORTGAGE INC Current Holder of Evidence of Debt: LAKEVIEW LOAN SERVICING, LLC Date of Deed of Trust: December 23, 2011 County of Recording: El Paso Recording Date of Deed of Trust: December 30, 2011 Recording Information (Reception No. and/or Book/Page No.): 211130791 Re-Recording Information (Reception No. and/or Book/Page No.): 212011313 Re-Recording Date of Deed of Trust: January 31, 2012 Original Principal Amount: $150,096.00 Outstanding Principal Balance: $115,680.26 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 28 IN BLOCK 9 IN ADDITION NO. 1 TO AUDUBON GARDENS ADDITION TO THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 2204 BONFOY 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, 03/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/3/2017 Last Publication: 3/3/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/29/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Weldon P. Phillips Jr. #31827 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006376826 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. EPC201601185 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 1, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Nathan Tyler Lowry and Heather Lowry Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. acting solely as nominee for Michigan Mutual, Inc. Current Holder of Evidence of Debt: JPMorgan Chase Bank, N.A. Date of Deed of Trust: October 24, 2008 County of Recording: El Paso Recording Date of Deed of Trust: October 30, 2008 Recording Information (Reception No. and/or Book/Page No.): 208117707 Re-Recording Information (Reception No. and/or Book/Page No.): 211008669 Re-Recording Date of Deed of Trust: January 25, 2011 Original Principal Amount: $283,221.00 Outstanding Principal Balance: $260,593.03 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 52, RIDGEVIEW AT STETSON HILLS FILING NO. 21, EL PASO COUNTY, COLORADO, ACCORDING TO THE PLAT THEREOF RECORDED AUGUST 2, 2002 AT RECEPTION NO. 202127074. Also known by street and number as: 6483 Galeta 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, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/01/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Marcello G. Rojas #46396 Klatt, Augustine, Sayer, Treinen & Rastede, P.C. 9745 E. Hampden Ave., Suite 400 Denver, CO 80231 (303) 353-2965 Attorney File # CO160321 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. EPC201601188 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 1, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): DANIEL FRITTS AND VICTORIA T.

FRITTS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR NEW CENTURY MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: US BANK NATIONAL TRUST ASSOCIATION, AS TRUSTEE FOR BANC OF AMERICA FUNDING CORPORATION 2007-7 Date of Deed of Trust: December 26, 2006 County of Recording: El Paso Recording Date of Deed of Trust: January 16, 2007 Recording Information (Reception No. and/or Book/Page No.): 207006985 Original Principal Amount: $144,000.00 Outstanding Principal Balance: $143,587.97 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 19 IN RAINBOW HARBOUR SUBDIVISION, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 5102 RAINBOW HARBOUR CIRCLE, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/01/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013072 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. EPC201601198 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 5, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Jonathan J. Chong Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Classic

Colorado Springs Business Journal

Feb. 17 - Feb. 23, 2017

PUBLIC NOTICES Mortgage, L.L.C. Current Holder of Evidence of Debt: Bank of America, N.A. Date of Deed of Trust: December 15, 2003 County of Recording: El Paso Recording Date of Deed of Trust: December 19, 2003 Recording Information (Reception No. and/or Book/Page No.): 203290756 Original Principal Amount: $125,600.00 Outstanding Principal Balance: $85,999.53 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3, L & R SUBDIVISION, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 808 Bennett Avenue, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/05/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Courtney Wright #45482 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-753159-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. EPC201601202 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 6, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): WILLIAM A THOMAS II Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: May 09, 2013 County of Recording: El Paso Recording Date of Deed of Trust: May 09, 2013 Recording Information (Reception No. and/or Book/Page No.): 213060869 Original Principal Amount: $212,472.00 Outstanding Principal Balance: $199,012.75 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows:

failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 11, BLOCK 2, COLORADO COUNTRY FILING NO. 3, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5527 MOSQUITO PASS DRIVE, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/06/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013626 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

204108141, AND AS DEFINED AND DESCRIBED IN THE CONDOMINIUM MAP FOR THE VILLAGE AT SPRINGS RANCH CONDOMINIUMS RECORDED ON JUNE 29, 2004, AT RECEPTION NO. 204108142, COUNTY OF EL PASO, STATE OF COLORADO. PURSUANT TO AFFIDAVIT OF SCRIVENER’S ERROR RECORDED ON 12/5/2016 AT RECEPTION NO. 216140684 TO CORRECT LEGAL DESCRIPTION. Also known by street and number as: 4343 ALDER SPRINGS VIEW, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/07/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013611 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. EPC201601206 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 7, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): K. SCOTT SARTIN Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR CHERRY CREEK MORTGAGE CO., INC., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: MB FINANCIAL BANK, N.A. Date of Deed of Trust: December 28, 2012 County of Recording: El Paso Recording Date of Deed of Trust: January 04, 2013 Recording Information (Reception No. and/or Book/Page No.): 213001224 Original Principal Amount: $179,992.00 Outstanding Principal Balance: $172,980.57 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. SEE ATTACHED LEGAL DESCRIPTION EPC201601206 LEGAL DESCRIPTION CONDOMINIUM UNIT F, BUILDING 4343, THE VILLAGE AT SPRINGS RANCH CONDOMINIUMS, ACCORDING TO THE DECLARATION THEREOF FILED FOR RECORD IN THE RECORDS OF THE CLERK AND RECORDER OF EL PASO COUNTY, STATE OF COLORADO ON JUNE 29, 2004 AT RECEPTION NO.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601210 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 7, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): DONELLE L. BULLOCK Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR NATIONSTAR MORTGAGE LLC, DBA GREENLIGHT LOANS Current Holder of Evidence of Debt: NATIONSTAR MORTGAGE LLC Date of Deed of Trust: March 03, 2015 County of Recording: El Paso Recording Date of Deed of Trust: May 04, 2015 Recording Information (Reception No. and/or Book/Page No.): 215043304 Original Principal Amount: $244,100.00 Outstanding Principal Balance: $238,086.81 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 18 IN BLOCK 4 IN HIGHLAND HILLS SUBDIVISION NO. 2, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 3213 AUSTIN 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, 04/05/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/10/2017 Last Publication: 3/10/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/07/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006394951 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. EPC201601227 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 13, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): YAMPA PROPERTY TRUST, A COLORADO TRUST Original Beneficiary(ies): STRATEGIC FUNDING GROUP, LLC, A COLORADO LIMITED LIABILITY COMPANY Current Holder of Evidence of Debt: STRATEGIC FUNDING GROUP, LLC, A COLORADO LIMITED LIABILITY COMPANY Date of Deed of Trust: April 05, 2013 County of Recording: El Paso Recording Date of Deed of Trust: April 10, 2013 Recording Information (Reception No. and/or Book/Page No.): 213046575 Original Principal Amount: $65,000.00 Outstanding Principal Balance: $65,000.00 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 5, EXCEPT THE SOUTHERLY 10 FEET TO THE CITY, MAIZELAND, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 2724 EAST YAMPA 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, 04/12/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/17/2017 Last Publication: 3/17/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/13/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Douglas W Brown #10429 Brown, Berardini, Dunning & Walker, P.C. 2000 South Colorado Blvd. Tower Two, Suite 700 Denver, CO 80222 (303) 329-3363 Attorney File # 3664-001B 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 - RESTART PUBLICATION CRS §38-38-109(2)(b)(II) FORECLOSURE SALE NO. EPC201500713 Republished to restart foreclosure stayed by bankruptcy and reset sale date. To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 28, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JAMES G MERZ AND KRYSTAL S MERZ Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR UNIVERSAL LENDING CORPORATION Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: June 30, 2011 County of Recording: El Paso Recording Date of Deed of Trust: July 05, 2011 Recording Information (Reception No. and/or Book/Page No.): 211064233 Original Principal Amount: $163,440.00 Outstanding Principal Balance: $155,776.84 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 14 IN BLOCK 9 IN CONSTITUTION HILLS NORTH FILING NO. 1 IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 2715 CHARLOTTESVILLE DRIVE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 03/29/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence

of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/3/2017 Last Publication: 3/3/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 11/28/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve M. Grina #43658 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 15-007625 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. EPC201600667 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: WILLIAM R LITTEL Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest: 2460 AMBLESIDE DR, COLORADO SPRINGS, CO 80915 Recording Date of Deed of Trust: October 09, 1990 Recording Information: 01969458 Book: 5779 Page: 1243 Recording Date of Notice of Election and Demand: June 09, 2016 Recording Information of Notice of Election and Demand: 216062342 Legal Description of Property LOT 22 IN CONSTITUTION HILLS FILING NO. 2, EL PASO COUNTY, COLORADO. THIS CONVEYANCE IS SUBJECT TO A NON-EXCLUSIVE EASEMENT ALONG THE SOUTHWESTERLY 5.0 FEET OF THIS LOT TO THE OWNER OF LOT 21 FOR THE PURPOSE OF MAINTENANCE, CONSTRUCTION, RECONSTRUCTION AND REPAIR OF SUCH OWNER’S IMPROVEMENTS. Street Address of Property 2460 AMBLESIDE DR, COLORADO SPRINGS, CO 80915 NOTICE OF UNCLAIMED OVERBID FUNDS I sold at public auction, at 10:00 on 10/12/16, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within five years from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part of the “Unclaimed Property Act”, pursuant to Colorado law. First Publication: 2/10/17 Last Publication: 3/10/17 Name of Publication: Colorado Springs Business Journal Date: 1/17/17 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

24 Feb. 17 - Feb. 23, 2017

Colorado Springs Business Journal

Reception March 16 5-7 pm at Cheyenne Mountain Resort

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