Colorado Springs Business Journal, March 10, 2017 by Colorado Springs Business Journal

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VOLUME 27, NUMBER 51 | March 10 - March 16, 2017 | $2.00

Student debt lower in Springs than nationally By Helen Robinson

tudent loan borrowers in Colorado Springs owe about $6,400 less than the national average of $28,400, according to the new Congress & Student Debt report. LendEDU, an independent student loan refinancing marketplace, analyzed student debt data from state and congressional districts for the report. Across Colorado, the average student loan debt per borrower is $26,095. It is even lower in Colorado Springs, Fountain, Falcon, Woodland Park and Monument, with the average student loan debt in Congressional District 5 standing at $21,979. Just 3.56 percent of borrowers in the district default on student loans — about one-third the national average. That’s good news for the local economy — lower student loan debt usually means more cash to spend elsewhere — but college financial aid officers and financial advisers say caution and rigorous planning are needed to keep that loan debt down. Carol Breglio, private wealth advisor at Breglio, Long & Associates, said many graduates “absolutely are delaying a lot of decisions” because of student loan debt. “They are really delaying marriage until they can get their financial house in order,” Breglio said. “They’re delaying starting to work toward their ultimate financial security, which is putting money in retirement plans, and they’re delaying the commitment of a roof over their head. “That’s why a lot of Millennials still live with their families or with a large group of their cohorts.” According to the Congress & Student Debt report, about 75 percent of U.S. student loan borrowers have delayed buying a home because of their debt; more than 40 percent have delayed starting a family; more than 60 percent have delayed buying a car; more than 70 percent have delayed saving for retirement; and almost 30 percent have delayed getting married. Outstanding student loan debt doubled between 2009 and 2017, according to the Federal Reserve Bank of New York. Data from the Federal Reserve Board in Washington shows about 44 million Americans carry an outstanding total student debt of about $1.41 trillion. Breglio works with students and families to plan how — and how much — they are prepared to pay, well before the “emotional stages” of college selection. Some students fail to grasp the critical difference between available money and the amount they should

DEVELOPMENT Blue Dot Place developer Darsey Nicklasson has announced plans for a new 27-unit apartment building in downtown Colorado Springs, which promises to join projects such as Nor’wood Development Group’s 169-unit 333 Eco apartment building (pictured, under construction) in helping the Downtown Development Authority meet its goal of building 2,000 new downtown residential units by 2025.

Photo by Cameron Moix

Graff, a Colorado native and Navy veteran, uses his military training to excel in retail.

INSIDE

1-on-1: Kim Hanson (left).............. 4 Amy Sweet on public lands........... 5 Pueblo energy upgrades................ 9 Cyber at Schriever........................ 10 QLI Indicators Report................... 11 People on the Move...................... 12 Other Voices.................................. 25

EDITORIAL: TABOR CHANGES COMING?

56525 10751

ANDREW GRAFF

TRAMPOLINE PARK

DOWNTOWN

See Loans page 21

YOUNG PRO

2 March 10 - March 16, 2017

Colorado Springs Business Journal

719-634-5905 Editor & COO Amy G. Sweet........................................ amy.sweet@csbj.com

EDITORIAL Managing Editor

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John Hazlehurst, Sr. Reporter.....john.hazlehurst@csbj.com Cameron Moix..................................cameron.moix@csbj.com Researcher & Staff Reporter Helen Robinson............................. helen.robinson@csbj.com Copy Editor Mary Jo Meade....................................... maryjo@csindy.com

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TABOR changes: The time has come What we think: Tying revenue caps to personal incomes provides stability — and ensures government won’t grow faster than individual wealth. Tell us what you think: Send us an email at editorial@csbj.com.

n unlikely bill that changes the revenue limitations in the Taxpayer’s Bill of Rights has crossed another hurdle on its way to becoming state law. The bill, proposed by Rep. Dan Thurlow and Rep. Larry Crowder, both Republicans, has passed both the Finance and Appropriations committees in the state House. So far, it has bipartisan support. HB 1187 builds on voter-approved changes to TABOR through 2005’s Referendum C. Under Referendum C, the state can keep — and spend — excess revenues up to a defined cap, determined by a number of factors, including inflation and population increases. Thurlow and Crowder are proposing changes to that formula, adjusting the caps based on the average annual change of Colorado personal incomes during a five-year period, instead of calculating caps based on inflation and population. And don’t worry: The bill calls for a referendum, a TABOR requirement since it could add money to the state’s coffers in future years. Since the constitutional amendment known as TABOR passed in the early 1990s, the state has struggled to maintain adequate spending levels for priorities like education, transportation and other needs — because so much of the budget is mandatory spending, it doesn’t leave much room for other items. And even when times are good, the state can’t expand

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IN OUR OPINION

The issue: Some legislators want to change the revenue caps required in the Taxpayer’s Bill of Rights.

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spending or save. TABOR also limits saving when times are bad, leading to vast cuts in programs, year after year, regardless of whether the economy is growing or contracting. The new bill has had Republican support, at least so far, and is likely to pass the Democrat-controlled House. Is it a good idea? It seems so. It would grow government in boom times, but not increase government spending beyond growth in personal incomes. It would reduce the state’s rebates by $133 million in 2017 fiscal year and by more than $209 million in the 2018 fiscal year, according to the bill’s sponsors. It’s money the state needs to fix roads and bridges, expand transportation infrastructure, lower the cost of education — all meeting the needs of an ever-growing population. In the years since TABOR passed, the state’s share of higher education funding has dropped to around 6 percent, leaving the burden for schools on the backs of parents and Millennials, who are delaying decisions that could affect the economy. Young adults are taking longer to move out on their own, longer to buy houses and cars, longer to start families — due in no small part to the billions in student loan debt they must repay. Investing in Colorado’s future is paramount. Changing the way the TABOR caps are determined not only erases volatility in state government, but it allows the General Assembly to say yes to infrastructure, to wildfire mitigation on state lands, to transportation needs, to higher education. As jobs become more high-tech — and manufacturing becomes more automated — investing in education is paramount to the state’s success. TABOR, despite its problems, still has support in Colorado. Its requirement to have voter approval for tax increases makes good economic and fiscal sense. Capping state revenue could also be beneficial to businesses that can use additional revenue to grow their business base. But as written, TABOR hamstrings government spending in areas vital to future prosperity: transportation, infrastructure and education. Keep TABOR, but change the equation. Say yes to Colorado’s future. CSBJ n

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Clarification In the March 3 Focus of the Business Journal, photos ran of several local nonprofits, to include Discover Goodwill, that were not involved in the story.

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Colorado Springs Business Journal

March 10 - March 16, 2017

OPINION: HAZLEHURST

April city council election games begin

udging by campaign contributions, the business community is highly interested in the April 4 city election. Led by Colorado Springs Forward and the Housing and Building Association, business interests have contributed tens of thousands of dollars to five city council candidates. There might have been six recipients, but one contest drew a single HAZLEHURST candidate. Five candidates (Greg Basham, Andy Pico, Lynette Crow-Iverson, Deborah Hendrix and Chuck Fowler) appear to be running coordinated campaigns. Veteran political consultant Sarah Jack is managing four of them, and several candidates are outraising their opponents by wide margins. Will the favored five prevail, propelled by anti-regulation and pro-growth philosophies of government? We’ll see, but meanwhile let’s take a look at the contested council races — and establish the betting lines. District 1: Don Knight vs. Greg Basham Knight has the name recognition, but some members of the business community believe him to be a stubborn micromanager. Greg Basham took in $14,800 from 10 contributors Feb. 15-March 1, while Knight raised $1,050 from 10 contributors in the same period. If Knight has irritated voters as much as developers, he’s in trouble. My guess: Cantankerous independence appeals to voters. Odds: Knight 2-1, Basham 4-1. District 2: David Geislinger (unopposed) Off — no bets! District 3: Chuck Fowler vs. Richard Skorman In his 40-plus years as a business owner, city coun-

John

cilor and vice mayor, Skorman has probably met half the voters in District 3. What he has accomplished is extraordinary, and he’s an admirable human being — as is his opponent, Chuck Fowler. Although Fowler has been an active and engaged contributor to the community for many years, going up against Skorman in D-3 will be a challenge. Unlike other members of the favored five, Fowler may not have a financial edge over his opponent. In the Feb. 15-March 1 period, Fowler raised $21,700 from 17 contributors, while Skorman brought in $22,585 from 156 contributors. Odds: Skorman 2-1, Fowler 4-1. District 4: Yolanda Avila, Deborah Hendrix, Helen Collins Four years ago, Helen Collins unexpectedly prevailed over favorite Deborah Hendrix and two other candidates. Most observers expected the smart, politically experienced Hendrix to win, but Collins won with 37 percent of the vote. Like Hendrix, Yolanda Avila is a qualified candidate, but Collins is a survivor. Hendrix led an unsuccessful campaign to recall her in 2015, and Collins has weathered an ethics probe surrounding a business deal with friend Douglas Bruce. Hendrix has the cash, Avila has appeal and Collins is the two-fisted incumbent. If neither Avila nor Hendrix can get a plurality, Collins gets another term. Odds: Collins 2-1, Hendrix 3-1, Avila 5-1. District 5: Lynette Crow-Iverson vs. Jill Gaebler Incumbent Gaebler is smart, experienced, skeptical and creative. She’s a favorite of Millennials, techies and entrepreneurs — so why is she facing a really tough opponent? Conspiracy theorists might point to her opposition to The Broadmoor land swap or her support for retail marijuana, but there may be a simpler story here. Like Collins, Gaebler won a multi-candidate race with a plurality. Crow-Iverson may believe that by po-

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sitioning herself to the right of Gaebler she can win a one-on-one race. And although Crow-Iverson lacks political experience, she’s highly visible as the successful entrepreneur who founded Conspire, a drug screening company. As the past chair of Colorado Springs Forward, she knows the players. Both 50, Gaebler and Iverson could be credible candidates to succeed Mayor John Suthers in six years (assuming that he seeks a second term in 2019). It’s unfortunate that one will lose — we need them both. Odds: even. District 6: Andy Pico, Janak Joshi, Melanie Bernhardt, Robert Burns Bernhardt and Burns are political novices. Joshi ran unsuccessfully for an at-large seat on council in the 1990s, and subsequently served three terms in the Colorado House of Representatives. Former legislator Larry Liston ousted him in the 2016 Republican primary. Joshi has raised $1,000 so far, compared to incumbent Andy Pico’s approximately $25,000. Pico, who also serves as president of the Utilities Board and on the Pikes Peak Area Council of Governments, is a retired U.S. Navy aviator and a knowledgeable, accessible and conservative councilor. For a majority of District 6 voters, that’s likely a winning combination. Odds: Pico 1-2, Joshi 8-1, Bernhardt 20-1, Burns 20-1. The (almost) final analysis Every once in a while, we ordinary folk get a glimpse of the big dogs, bounding powerfully through the tall grass. Why, for example, have the same six candidates been endorsed by The Gazette, Colorado Springs Forward and the Housing & Building Association? And what about those cunning developers? Tune in next week. CSBJ n

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Colorado Springs Business Journal

ONE-ON-ONE Photo by Bryan Grossman

KIM HANSON To take my dad’s legacy into the future is pretty cool.”

Locally based company has prescription for learning By Bryan Grossman

orn into a perpetually curious family, Kim Hanson was the subject of her dad’s cognitive experiments, even at a very young age. Her father, Dr. Ken Gibson, was a pediatric optometrist who, to fill time between patients, started training the brains of children. The methods he developed eventually evolved into the Colorado Springs-based franchise, LearningRx. Years later, Kim Hanson is CEO of the company, which today has 80 centers in the U.S. and a presence in 40 countries around the world. Hanson spoke with the Business Journal this week about building brains and a brand — even while doing battle with the Federal Trade Commission. Where are you from and how did you get to Colorado Springs? I’m originally from Appleton, Wis. My husband [Wayne] and I got here 20 years ago. We moved to the Western Slope — he was on staff as a youth pastor at a big church there. My mom and dad were living in Florida after my dad ‘retired’ from his practice. They visited us in Colorado and decided they wanted to move here. ... They were going to move somewhere with an airport that was close to the mountains. They fell in love with Colorado Springs. I’m big on family, and it was sad to not have them around, so I was excited. We then moved to the Springs to be part of the family business. Which is? Back then it was a cognitive training program before LearningRx. We licensed our training to places like doctors’ offices and hospitals. How have you been involved? I think cognitive or brain training kind of found me. My dad was always really curious about how people

learn. Being the oldest kid, he just started doing experiments with me. When I was a few months old, he put me on an incline board to see if I would crawl faster. He taught me to read with flashcards in my highchair. That’s the wrong way to do it, and we know that now. But I’ve been taking IQ tests since I was 4. What was your father’s background? He was a pediatric optometrist. In fact, he was one of the first ones solely focused on pediatrics. He was also a pioneer in vision therapy. He had a brother who was a psychologist. When he grew up he was really smart but reading was difficult, so he wanted to answer why he was smart but struggled to read. He would get together with his brother and they would talk about testing and improving skills. He started training people about 35 years ago. He was part of my grandpa’s [optometry] practice and was limited to kids. Back then kids didn’t go to the eye doctor often. He was always doing things on the side. Talk about the training. We work in seven areas and we’ve learned training is best when it’s one-on-one because then we can control intensity. It’s also important to do this in small steps, like a video game. We’re always working on something that’s challenging, but with success within your grasp. And you only compete against yourself. Also, we don’t work on what you can do, because you can do it. We’ll do a procedure until it starts to get difficult and that’s where we start. Another thing we do is called loading. We’ll work on a skill and, when it’s solid, add another task on top. Now you focus on the new skill and the old skill becomes automatic. The key to training is to make these skills automatic. You don’t want to think about creating the picture in your head, you want to hear something and the picture is just there. We’re going for automaticity.

Who are your clients? The typical person who comes to us is someone who is struggling with learning, either a lot or a little. Home life is probably frustrating. When you have a struggling child, it doesn’t just affect that person, it affects the whole family. The first thing we do is look at why they’re struggling. We test seven skills like attention, memory, processing speed, logic and reasoning, Those are important to how you learn and perform. Then we create a plan and start training. Most people will have a few weak skills, so we start to build those. We find their ‘can’t’ and that’s where we start to turn it into a ‘can.’ When you feel like you can do things better, easier and faster, you get more confidence. We don’t work on confidence, but it’s the No. 1 thing we hear about from parents. Just the ability to pay attention — we stretch it out. If we can take someone from 8 seconds and stretch it to 4 minutes, that’s life-changing. What separates LearningRx from commercial tutoring? We’re actually very different. They re-teach content you may not have gotten the first time. … They’re very academic. There are two parts to smart: the what you know and the how you process information. We’re on the how you process information side. We don’t work on academics at all. We work on memorization, paying attention, picturing things in your head, figuring out how to solve a problem. What we do doesn’t just help you in school. Because if you can process faster, that can help you in everything. If you’re loading your dishwasher and you have better logic and reasoning and visual processing skills, you can fit eight more cups in. You can strategize how you’ll take out your silverware faster. It helps in all areas. See Hanson page 24

Colorado Springs Business Journal

March 10 - March 16, 2017

Keeping lands public is good business

ublic lands are a significant part of Colorado culture and its heritage. The state is famous for its vast mountain ranges, protected grasslands and national parks. Giving them up — turning them over to the state or developers — would mean turning our backs on an outdoor lifestyle that goes handin-hand with what it means to be S W E E T a Coloradan. But preserving federal lands is about more than safekeeping our history. It’s good for business. Tourists come here year-round to ski, hike, mountain bike, camp and backpack in unspoiled wilderness. A significant industry supports those tourists. And don’t forget about all the people who come to hunt and fish in the national forests and Bureau of Land Management-maintained spaces. Estimates are that fishing is a $1.9 billion industry in Colorado, and hunting brings in about $1 billion. It’s a significant amount of money, showing that the outdoor industry is an overlooked giant economic driver. Studies have determined that 65 percent of residents here participate in outdoor recreation. And outdoor recreation generates $1.32 billion in consumer spending, 125,000 direct jobs and $4.2 billion in wages and salaries. That all translates to about $994 million in state and local tax revenue, according to the Outdoor Industry Association. It’s no small part of the Colorado Springs economy, either. From outdoor businesses like Angler’s Covey to manufacturers like Borealis Fat Bikes, the impact is growing. It doesn’t even include the economic in-

Amy G.

fluence of the U.S. Olympic Committee or the national governing bodies headquartered here. That’s why the inaugural “State of the Outdoors” event on Monday, March 20, put on by a local outdoors trade group, deserves attention and support from all city business leaders. Mayor John Suthers will be there, talking about the importance of outdoors industries to Colorado Springs’ economy. Dirk Draper, CEO of the Colorado Springs Chamber of Commerce & EDC, is on board to speak as well. The Springs event comes at a time when there is a push to turn federal public lands over to the states — areas that have been preserved, in some cases, since the 19th century. Removing federal protection from lands puts them at risk, and would undo conservation and wilderness protection as a longheld value of being an American citizen. It also could harm millions of jobs around the nation, reducing a thriving sector of the economy. State elected officials in Utah floated the idea of spending $14 million on a federal lawsuit that would turn public lands over to the state — and ostensibly create a gold mine for developers and energy companies. The resulting outcry from businesses, conservation groups and the public at large has ended the conversation at the state level. One of Utah’s representatives in Congress likewise withdrew a bill that would allow the state to sell off 3 million acres of public land after constituents lobbied against it. A companion bill to get rid of the Forest Service and BLM police forces serving on public land remains in the House of Representatives.

There’s been no similar move here in Colorado, which knows all too well the value of its public lands — and the need to conserve them for future generations. But in some ways, it’s about more than the dollars that can be counted and the funds added to tax coffers. Spend a day outdoors, a weekend backpacking, an overnight camping trip looking at the stars — and you’ll learn (or re-learn) the intrinsic value of connecting with nature. It’s part of our heritage — along with hunting and fishing — that we should preserve and protect. Connecting with nature is a way to connect with our past. As President Theodore Roosevelt said in Denver in 1910: “The nation behaves well if it treats the natural resources as assets which it must turn over to the next generation increased, and not impaired, in value.” Colorado Publishing House’s properties, to include The Business Journal, the Colorado Springs Independent and the Pikes Peak Bulletin, support the outdoor recreation industry. And we’re all co-sponsoring the first State of the Outdoors event. We believe it is the first step in recognizing the importance of the outdoor recreation industry for the local economy and the tourism trade. We’re proud to live in a state and a city that hold those values as too important to lose. As the city located at the base of America’s Mountain, we understand that preserving open space is good for business, good for the environment, good for the city — and that’s good for everyone. CSBJ

The outdoor industry is an overlooked giant economic driver.

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Colorado Springs Business Journal

March 10 - March 16, 2017

YOUNG PROFESSIONAL

Graff follows family’s jeweled path By Bryan Grossman

ndrew Graff was never one to take the easy route. The 32-year-old has adhered to the adage that good things come to those who work for them. The Colorado Springs native is sales manager at his mother’s business, Luisa Graff Jewelers, and this week Graff talks about starting at the bottom, being tough enough to serve his country, but not being too tough to admit he’s a bit of a nerd (and a big mama’s boy). Where are you from? I was born and raised in the Springs. My mom is from Lima, Peru. She’s an immigrant and a child of war. She had an aunt in Colorado and she came here when she was 13. So, I grew up in Briargate and Black Forest, went to Challenger Middle School then Pine Creek High School, where I graduated in 2003. Talk about your path from high school to the jewelry business. Because my mom was a child of war, I’ve always wanted to serve my country. I truly believe in our country and never want it to get to a dictatorship — where people are kicked out because of who they are. My mother was an immigrant, but came here legally. … She achieved the American dream, and I wanted to protect that. After high school I enlisted in the U.S. Navy. … I joined the Navy as an engineer and then [worked in Special Forces] on the USS Decatur. One of my defining moments there was becoming the Command Fitness Leader, where I structured training for the command. How long did you serve? I was in the Navy for eight years and I got out while in Ohio. During the last two years [of enlistment] I started at the University of Phoenix for my business management degree. I graduated in 2015, two years after I got out of the Navy. While getting my degree I was working at a GNC [retail store] as an associate. I believe in starting at the bottom. If you work your way up from the bottom, you get discipline, but also in-depth knowledge of what everyone does. So I started at GNC washing counters and, nine months later, they made me manager. They were going to open a new GNC in Fremont, Ohio, and asked me to open it.

Within a year I took that store to fifth in the entire company. … That’s when I called my mom and said I might be ready for retail. Were you hired right away? I was about to graduate but I still wanted to start at the bottom. I’d sent an application to our HR department here at Luisa Graff Jewelers. I went behind [my mom’s back] because I wanted to do it right — not get hired as Luisa Graff’s son, but as someone who has the credentials for the job. I still did interviews with our human resources department and went through all the workings as one would who was applying for a position. I got the job and started here in February 2014 and I became sales manager a year and a half ago. Talk about your position. I have four key areas I focus on: performance management, staffing, training and hitting our goals. I dive deep into the training program. That comes from my military career. … It’s what I was bred to do by the United States Navy. As for performance management, I make sure everyone has a goal specific to their capabilities so that everyone can feel like they’re progressing and developing in their careers. Did you always think one day you’d work here? Actually, no. I wanted a career in the Navy, but my path kind of stopped when I broke my arm and dislocated my elbow in training. It meant I couldn’t do what I wanted anymore. What about jewelry appealed to you? I’m a huge nerd. There’s so much to jewelry — metallurgy, geology, gemology — right now I’m a gemological student at the Gemological Institute of America. I’m on my way to becoming a graduate gemologist. The gemological side appeals to the nerd in me. I’m actually writing a paper now to the GIA because I think they’ve got it wrong See Diamond page 24 Photo by Bryan Grossman

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8 March 10 - March 16, 2017

Colorado Springs Business Journal

SMALL BUSINESS

Springs Trampoline Park Location: 2512 Airport Road Established: 2014 Employees: 1 full-time, 35-45 part-time

Photo by Cameron Moix

Isaac Brandon, general manager of Springs Trampoline Park, goes for a jump on the facility’s main court.

Contact: 719-999-5062; springstp.com

Springs brings trampoline trend to city By Cameron Moix

o most people, 15,000 square feet of trampoline would seem excessive — but not to the owners of Springs Trampoline Park. The business, which opened in June 2014 to great fanfare from the city’s youngest demographic, was formed in 2013 after the meeting of four men who sought to diversify the Colorado Springs recreation scene. “When the four of us got together, my three partners had the idea to open up a trampoline park,” said Denny Meredith, managing partner and head rugby coach at the Air Force Academy. “We looked at the demographics in town, we looked at different locations and we started assessing some of the risks.” Their ultimate determination was that the city was lacking access to indoor trampoline parks, a growing national trend. “The industry has grown from around 100 trampoline parks to probably around 500 to 700 trampoline parks around the U.S. in the past few years,” said General Manager Isaac Brandon. It was a familiar concept to one of the partners, who already had successfully opened his own trampoline park in another city, so Meredith said the four began working to make it a reality in Colorado Springs. “We started looking for something with about 30,000 square feet and ended up working with [Craddock Commercial Real Estate] to secure the location we have now,” he said. “We thought this would be a great place as things begin to pick up in the area.” The location was a long-abandoned former K-Mart near the intersection of Airport Road and South Circle Drive. The building met their criteria (including its size), so the team signed a lease and started the months-long process of outfitting the space with family-friendly draws. “It was designed with three different sport courts, a main court and a stunt area,” Brandon said. “From

there, it has seen good success and we have found that play and open jump,” in which jumpers are given our clientele is changing — they want more than just 20-minute sessions with a “facilitator” for every 24 trampolines.” people in order to supervise, monitor and enforce Meredith said sales have grown 30 percent every rules, Brandon said. month for the past year, which has inspired Springs to “We want to continue our tradition of family-friendly continue expanding its offerings. The building now has entertainment in southern Colorado Springs,” Brandon nearly 80 trampolines and has added several new feasaid. “We want to continue offering good customer tures, including a “ninja warrior course” that Brandon service and to continue adding attractions.” said is a new favorite among adventurous young ’uns. Brandon said that the maximum capacity for the The owners also recently removed the least popubuilding is 444, and 150 people are allowed to be jumping or in line at a given time — caps that are easily lar trampoline course in the building to make room for an arcade and toddler-friendly met between 1-4 p.m. on Saturdays play area. and Sundays. The company’s target demo“On those two days, we are at graphic is children ages 9-12, maximum capacity the entire Brandon said, making their target time,” Brandon said. advertising demographic mothThe weekdays, however, move ers aged 26-36. And they’ve been at a slower pace, allowing the quite successful in reaching that business to offer customers better market, as 50 percent of their service and one-on-one attention. business is made up of kids’ birthBrandon, the company’s only — Denny Meredith day parties, while the rest comes full-time worker, said that the busifrom walk-in visits and events ness employs 35 to 45 part-time such as “Cosmic Parties,” which staff (depending on the season) who tend to be high school and college students. are geared for a slightly older clientele. There is no minimum or maximum age limit for As far as future growth goes, Meredith said that he jumpers, although children are required to be able wants to continue to focus on operations at Springs to walk and jump without assistance. — although he wouldn’t rule out expansion to other “We had an 86-year-old grandmother bouncing locations. on our trampolines,” Brandon said. “She had a great “We’ve got great entertainment value, and the word of mouth has definitely spread,” he said. “We’re really time jumping onto the airbag — she was hootin’ and listening to our customers and trying to figure out hollerin’ the whole way.” Although Brandon said the company competes with what they want to see, but at some point I think we’d any business with birthday party facilities, its direct seriously consider expanding.” competitors in Colorado Springs are Sky Zone and Meredith said he has been approached by parties smaller trampoline gyms such as Trampoline World. interested in having another of his facilities located But the business takes a different approach to the in Pueblo and in Denver, but he said that his focus is art of jumping than instructional gyms, which often on the Colorado Springs facility — for now. offer one-on-one service. Instead, Springs offers an “We want to concentrate on serving the customers approach that lends itself to what they call “open we have in Colorado Springs.” CSBJ

“We’ve got great entertainment value, and the word of mouth has definitely spread.”

Colorado Springs Business Journal

March 10 - March 16, 2017

PUEBLO BUSINESS NEWS

Pueblo County explores energy upgrade financing By John Hazlehurst

wn a commercial property sorely in need of energy efficiency upgrades? How about fully automated building controls, a better furnace, new windows, high efficiency lighting, HVAC upgrades and even a new roof? After running the numbers, it seems clear that these improvements will more than pay for themselves. But what about financing them? What’s needed is long-term financing that matches improved cash flow from the property, preserves any tax credits and can be paired easily with other financing. That’s where an innovative state-supported financial tool being offered through the Colorado Energy Office comes into play. It’s available now to property owners in Pueblo County, and may come to El Paso County. “Commercial Property Assessed Clean Energy (C-PACE) enables building owners to fund 100 [percent] of the cost of energy efficiency and water conservation improvements,” according to the program’s website. “C-PACE long-term financing (up to 20 years) enables cash flow positive projects with no upfront capital outlay. Owners repay the cost of eligible improvements over a period of up to 20 years through an additional charge (‘assessment’) on their property tax bill (similar to a sewer assessment). “The resulting energy savings typically outweigh the annual assessment payment thereby enabling cash flow positive projects. Because the assessment is

tied to the property, the repayment obligation automatically transfers to the next owner if the property is sold.” In other words, business owners get long-term fully assumable 100 percent financing with no personal guarantees, and retain all tax incentives. The catch: The energy retrofit has to be cash-flow positive. Eligible properties include office, retail, hotel, industrial, health care, nonprofit and multifamily (at least five units). Such programs have been successful in many states, but Colorado’s is unique because it can also be used for energy efficiency upgrades in new construction. Funding for individual projects comes from private investors such as PACE Equity, a Milwaukee company that has financed projects nationwide. In January, the company an— Terry Hart nounced that it had provided $2.8 million in financing for a $16.8 million multifamily apartment building in the Denver Sloan’s Lake neighborhood. Since the funding is secured only by a special lien on the property taxes generated by the complex, it should have little impact upon the availability of conventional financing for the project. So far, it’s the biggest PACE project to be done in Colorado. Boulder and Adams County were the first two counties to opt into the Colorado C-PACE program, followed

by Broomfield, Denver, Eagle, Jefferson, Arapahoe and Pueblo counties. Pueblo announced its participation in the program on March 3. “This wonderful innovative financing tool is giving businesses the opportunity to reduce energy costs and consumption with no out of pocket costs,” said Pueblo County Commissioner Terry Hart. “We are thrilled to be one of the first communities making this tool available to businesses in southern Colorado and hopefully soon this tool will be available for residential property owners as well.” Paul Scharfenberger, director of finance at Colorado Energy Office, expects that El Paso County also will eventually opt in to the program. “The timing depends on the El Paso Board of County Commissioners,” he said. “The BoCC must first pass a resolution opting in to C-PACE before El Paso County commercial property owners can participate in the program. “I have engaged with El Paso County staff about the program, but I do not have a sense for if/when they will decide to opt in to the program.” Three projects totaling approximately $3.8 million have been funded to date in the state. In addition, 200 have been pre-screened and five more are expected to close by May. CSBJ

“We are thrilled to be one of the first communities making this tool available to businesses in southern Colorado.”

JOIN US MARCH 20 TH AT THE 1ST ANNUAL

STATE OF THE

OUTDOORS EVENT

The Business of Outdoor Recreation Come discover why a thriving outdoor recreation industry will help create great jobs and great communities throughout the Pikes Peak Region. LUIS BENITEZ Director for the Colorado Outdoor Recreation Industry Office

MAYOR JOHN SUTHERS

See ppora.org for our full speaker line-up · DIRK DRAPER - CEO, Colorado Springs Chamber & EDC · KAREN PALUS - Director, Colorado Springs Parks and Recreation · DAVID LEINWEBER - Chair, Pikes Peak Outdoor Recreation Alliance · SUSAN DAVIES - Executive Director, Trails & Open Space Coalition

Monday, March 20, 2017 · 4-6:30 pm at the City Auditorium Register/Buy Tickets: ppora.org $15 ($20 after 3/15)

Questions about booth space? Email info@ppora.org

10 March 10 - March 16, 2017

Colorado Springs Business Journal

Squadron to provide defensive cyber operations By Brian Hagberg

n 2014, the 50th Space Communications Squadron became the first pathfinder squadron for a new cyber defense initiative. The program may have changed names since, from “Cyber Squadron: The Future” to “CommSquadronNEXT” and, finally, to “Cyber Squadron-Initiative,” but the focus has been the same: transforming communications squadrons into a blended maintenance and defense group. “Traditionally, the comm squadrons in the past have been your [information technology] and service-based comm support functions. But in the future, we’re going to provide both that service and your defensive cyber operations capabilities,” said Capt. Jeffrey Pelkey, 50 SCS director of operations. “Now, with both of those combined, we’ll be providing mission assurance to those particular weapons systems we need to defend.” The mission defense teams have already applied this new knowledge in real world situations. “There have been a few real world instances where our team was able to prove their operating concepts,” said Master Sgt. Daniel Rhodes, 50 SCS flight chief. “We were able to exercise our incident response plan, apply the analysis techniques we learned in training and mitigate threats to the Air Force Satellite Control Network.” The primary function of CS-I is to align priorities to missions or weapons systems across air, space and cyberspace in support of the five core missions of the Air Force: Air and Space Superiority, Global Integrated Intelligence, Surveillance and Reconnaissance, Rapid Global Mobility, Global Strike, and Command and Control. “This all really kicked-off because the Air Force realized that we’re defending [Non-classified Internet Protocol Network] and [Secret Internet Protocol

Network] really well, but we’re not defending those five core mission areas of the Air Force,” Pelkey said. Rhodes said the entire communications career field is experiencing a shift in operational focus. “The shift to an operational mindset in training has been challenging, but rewarding,” he said. “Within the communications career fields there are several specialties that focus on a singular area of IT. For a mission defense team to be successful, they must focus on every aspect of computer systems, understand how components interact in a regular manner and then be able to detect when anomalies occur and how to respond appropriately.” The CS-I mission is to provide commanders active defensive cyber operations capabilities to mitigate risk to their wing’s priority missions, with enhanced cyber situational awareness for wing operations, all while ensuring traditional information technology capabilities. “As we evolve and learn how to defend these mission systems, we’ll also learn better how to maintain — Master Sgt. it,” Pelkey said. “With those defensive capabilities, you also understand your architecture better. We have something called functional mission analysis, which really gets our teams out there to map up the networks. Mapping the network to operations [means] we understand it at a level we’ve never understood before, which enables us to defend the system more appropriately.” While the 50 SCS was the first pathfinder, the Air Force has since stood up at least 15 more squadrons. “Right now they’re focusing on standing up those units at least at each major command and wings that

have unique systems they feel are critical to the defense of the nation,” Pelkey said. Being the first pathfinder has provided 50 SCS with many benefits. “I’ve received close to 200 hours of additional training from both military and civilian courses, to include a mission commander’s course, functional mission analysis and network characterization,” said Rhodes. Once finalized, the plan is to incorporate this new curriculum into the technical school training, giving all communications airmen the additional skill set. “This training is effectively raising the bar in what we expect our communications airmen to learn and the level at which they operate,” Rhodes said. “As we continue to press down this path, we will see more well-rounded airmen in the IT field who can perform tasks and conduct operations well above what they are being asked to do currently. Whether those individuals are utilized on the comm maintenance side of the house, or the mission defense side, the comm Daniel Rhodes squadron will be better equipped to handle its existing mission and any new mission sets levied against it.” One of the biggest benefits though, Pelkey said, is the ability to provide Defense Connect Online capability for the 50th Space Wing’s space systems. “That [DCO] hasn’t really existed that much in the past,” Pelkey said. “Now, we’re making it more robust.” “As we continue to develop capabilities to secure and defend the wing’s mission systems,” Rhodes added. “We will be able to develop and refine our in-house training process to ensure that the best trained airmen are available to conduct defensive cyber operations.” CSBJ

“There have been a few real world instances where our team was able to prove their operating concepts.”

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Colorado Springs Business Journal

March 10 - March 16, 2017

Enlighten us, Quality of Life Indicators released but make it quick.

he Colorado Springs Quality of Life Indicators Report for 2015-2016 has been released and, while statistics indicate the region may be getting safer, other areas including public health and education still need work. For the first time, Pikes Peak United Way commissioned the UCCS Economic Forum to draft the report. The analysis focuses on 11 aspects of living in the Pikes Peak region, includHousehold ing demographics,Composition the economy, access to recreation, land use, education and Household composition has housing.

DEMOGRAPHICS

• The percentage of El Paso County residents who are obese has been increasing in the past decade: 35.1 percent of residents are overweight and 22.9 percent are obese. • According to the FBI, the number of violent crimes from 2006-2015 per 100,000 decreased 34.8 percent and the number of property crimes decreased 23.7 percent. 2015 Colorado

Ignite Colorado Springs is a night of high-energy presentations with a twist. Speakers are community members who will teach, enlighten, or inspire - and Springs MSA Household they have exactly 5 minutes to do so.

not • The percentage of the Colochanged significantly in the Colorado rado Springs MSA population below the federal poverty level ‘COMPREHENSIVE DATA’ Springs MSA or the U.S. since 2005, There have been seven published QLI in 2015 was 10.6 percent or Householder and the compositions are fairly similar. reports over the past 10 years, the pre72,182 people. Living Alone Recognizing the differences within the Householder Age vious six drafted by volunteers. By com17% Married Families 65+ Living Alone missioning experts to build the report, allows MSA’s household composition U.S. 17% 31% 8% Within the 11 indicators are trends Pikes Peak United Way and underwritthe community to consider ways to U.S. 29% U.S. 11% and comparisons that help establish ers of the assessment sought to create support the well-being its the region is doing well and where abetter more rigorous document that could of where improvements are needed. residents. Married family be a local information resource for households the Other Non-family public sectors.majority Underwriters of One makeand private up the our trend that will affect industries Households across the community is the area’s include the city of Colorado Springs, El 6% population (30%). TheUtilities, next largest Married Families w/ growing population. Paso County, Colorado Springs U.S. 7% Children group isSprings married families& with “We are one of the five counties in < Age 18 Colorado Chamber EDC, children Single Families state that is projected to have the 23% Penrose-St. Services under 18Francis yearsHealth of age (23%).theThe w/ Children < U.S. 19% and HUB International. highest rate of [population] increase corresponding percentages are now and 2050,” Bailey said. Age 18 “You can’t really U.S. objectively meabetween 9% alsohow shown on the ispie chartThefor sure your community doing Colorado Springs MSA has grown Single Families U.S. 9% unless you have good, comprehensive nearly twice as fast as the national avcomparative purposes. 6%

DEMOGRAPHICS

By Darcie Nolan

Wednesday, March 15 UCCS, Berger Hall

data across all of the spectrums,” said erage since 2005, and that trend conU.S. 8% Tatiana executive directorand of the “married tinues. The *U.S. population county NOTE: Bailey, “Single family” percentagesin arethe similiar and are given for each category. UCCS Economic Forum and is expected to increase by Bureau, 400,000 by Community Survey 1-year estimates Source: U.S. Census American family” are defined asoverseer those families of the team that brought together the without children under 18 in the home. See Report page 23 multi-dimensional report.

Population Increase

15,000

Colorado Springs MSA Components of Population Change

12,500 10,000

7,500 5,000 2,500

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Births minus Deaths

Net Migration

Source: Colorado Department of Local Affairs, State Demography Office

2015 Components of Population Change

Percent of Percent of Population Change Population Change from Births minus from Deaths Net Migration Colorado Springs MSA 46.9% 53.1% Colorado 30.1% 69.9% Source: Colorado Department of Local Affairs, State Demography Office

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Components of Change

Population change comes from natural increase (births minus deaths) and from net migration (people moving in minus those moving out of a region). The sum of these components is the change in population. While the local natural increase has remained relatively steady over the last several years, net migration has had a great deal of fluctuation, with a notable decrease in 2007, and a significant increase in 2010 followed by a similar decrease in 2011. Military personnel are included in population numbers.

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Both Colorado and the Colorado Springs MSA had more than 50% of their population change coming from inSend resumes to Jeff Moore at migration, or more people moving jeff.moore@csbj.com in than those people moving out. The Colorado Springs MSA tends to be more evenly split in terms of population change from natural increase (births minus deaths: 46.9%) and from net migration (53.1%). The state of Colorado has a significantly larger proportion of

12 March 10 - March 16, 2017

Colorado Springs Business Journal

PEOPLE ON THE MOVE

BUSINESS BRIEFS

Compiled by Lindsey Morrow

Nazanine Amir New Agent RE/MAX

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

Eve Courson

Abby Sienkiewicz

Nathan Lenz

Rick Nieves

Jason Jacobs

Steve Cutter

RE/MAX

Center for Nonprofit Excellence

Stinar Zendejas & Gaithe, LLC

Ent Credit Union

Merit CO

New Agent

New Executive Dir.

New Associate Attorney

New Business Banker

New Agent

Pointz Acupuncture has opened in Colorado Springs. Owner Holly Sparks has been in practice 13 years. In addition to acupuncture services, Pointz will offer Chinese herbs, massage, yoga, and Qigong, a Chinese health practice similar to yoga, as well as Taiji, which utilizes posture, meditation, breathing and movement. Pointz is located at 409 N. Tejon St., Ste. 106. For more information contact Holly Sparks at 719-220-0930.

New Agent

KUDOS RE/MAX CELEBRATES 2016 RE/MAX Properties recognized agents’ accomplishments Feb. 21 at its annual Awards Celebration Breakfast. The 2016 honorees are: Leighanne Potts (nomination for the National Association of Realtors 30 under 30 class), The Hermes Team (Marketing and Self-Promotion), Ashley McQueen Wilson (Community Service Award), Michelle Fisher (Client Services Award), Tyra Sandoval (Newcomer of the Year), Sarah McGarry (Intern of the Year), Nathan Rains/The Fisk Team (Team Member of the Year), Becky Jannotte for Val Bays (Unlicensed Assistant of the Year), John Wheaton (Jon Arends Spirit Award), Carmen Molitor (Rick Logan Memorial Award), Tina Swonger, (Fired up and going nuts every minute, FUAGNEM Award), Stephenie Leak (Employee of the Year Award) and Martha Marzolf (Broker’s Cup).

COLORADO EARLY COLLEGES ADMINISTRATOR RECEIVES EDUCATION AWARD Keith King, administrator at Colorado Early Colleges, was awarded the Friends of the Salute Award, an annual award that recognizes an individual who has dedicated their life to inspire and motivate people of color in Colorado. King

NEW BUSINESS DOWNTOWN

was presented the award at The Education Center’s Salute to Excellence in Education Gala, a ceremony that honors teachers, principals, administrators, school librarians and social workers of color for contributions in their respective line of work.

CENTURY 21 HONORS SALES ASSOCIATE Mercie Curbow, sales associate at Century 21 Curbow Realty, has been awarded the President’s Award. The annual award is bestowed upon those Century 21 sales affiliates that earn the Century 21 Centurion Award and the Century 21 Quality Service Pinnacle Producer Award in the same calendar year.

BBB/VECTRA BANK GIVES PRISM AWARDS The BBB of Southern Colorado and Vectra Bank honored local social impact businesses during the first Prism Award celebration March 3 at the Carter Payne Event Center. The honorees were: Blue Star Recyclers (Social Impact Business of the Year), Who Gives a SCRAP (Social Impact Startup of the Year) and Tyler Peoples, executive chef at Springs Rescue Mission (Social Entrepreneur of the Year).

SKY SOX RENEW SMALL BUSINESS SPOTLIGHT CenturyLink has agreed to renew its partnership with the Colorado Springs Sky Sox to sponsor the Small Business Spotlight for the 2017 season. The program is designed to help businesses market at Security Services Field at no charge. The selected business for each home game will get a marketing package that includes: a table to showcase their organization, four tickets to the game, public address announcement and live in-game scoreboard recognition, a first pitch and on-air recognition during the Sky Sox broadcast on “The Animal” radio (AM-1300). In addition, The Colorado Springs Small Business Development Center, also sponsored by CenturyLink, will provide consulting and training to new and existing businesses. For more information, or to be considered, visit skysox.com.

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Colorado Springs Business Journal

March 10 - March 16, 2017

ON THE HORIZON Compiled by Lindsey Morrow

Business Development

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

Networking Events

Regional Events

Monday, March 13

Tuesday, March 14

HBA: Seminar

HBA: Meeting

Join the Housing & Building Association for its Emerging Leaders Program seminar, 11 a.m.-2 p.m., HBA Conference Room, 4585 Hilton Pkwy., Ste. 100. Go to web.cshba.com/events.

HBA leadership development committee meets to develop the Emerging Leaders Program, 7:30-8:30 a.m., HBA, 4585 Hilton Pkwy., Ste. 100. Go to web.cshba.com/events for more.

Tri-Lakes: Business Accelerators

Wednesday, March 15

Tuesday, March 14

Join the Tri-Lakes Chamber of Commerce & EDC for business networking, first visit free, 8-9 a.m., Fairfield Inn and Suites, 15275 Struthers Road, Monument. Go to trilakeschamber. com/events-calendar to register.

BBB: Basics

BBB: Buzz with the Bs

Explore what the Better Business Bureau of Southern Colorado has to offer your business, free, 9:30-11 a.m., BBB, 25 N. Wahsatch Ave. Register at bbb. org/southern-colorado/news-events.

Join the Better Business Bureau of Southern Colorado and Adams Bank and Trust for a networking breakfast, $13 for accredited members, $16 for non-accredited members, 7:30-9 a.m., Johnny Martin’s Car Central, 1 S. Nevada Ave., Ste. 110. Register at bbb. org/southern-colorado/news-events.

Wednesday, March 15

SBDC: QuickBooks Part 3 Skills for advanced Desktop Pro users, $75, 12:30-5 p.m., Pikes Peak Small Business Development Center, 1675 W. Garden of the Gods Road. Register at clients.coloradosbdc.org/Events.

SBDC: Leading Edge The topic for the Small Business Center’s Leading Edge course will be strategic planning for existing business, $400 (for all eight sessions), 6-8:30 p.m., Pikes Peak Small Business Development Center, 1675 W. Garden of the Gods Road. Go to clients.coloradosbdc.org/Events to register.

AASC: Re-Certification Apartment Association of Southern Colorado’s lead RRP re-certification, $195 for members, $292.50 for non-members, 8 a.m.-noon, AASC, 545 E. Pikes Peak Ave. Register at aacshq.org/events.

HBA: Lunch and Learn Join the Housing & Building Association to discuss the Colorado Department of Public Health and Environment Stormwater Compliance Inspections & Alternative Compliance Assurance, $20 for members, $30 for non-members, 11:30 a.m.-1 p.m., HBA, 4585 Hilton Pkwy., Ste. 100. Go to web. cshba.com/events for more information.

Thursday, March 16 SCORE: Start Up Basics First workshop of SmartSTART series, $15, 6-9 p.m., Catalyst Campus, 559 E. Pikes Peak Ave., Ste. 101. Go to events. r20.constantcontact.com to register.

HBA: Utilities Committee Join local utilities companies for a discussion about development-related issues, 7:30-9 a.m., Housing & Building Association, 4585 Hilton Pkwy., Ste. 100. Go to web.cshba.com/events for more information.

SBDC: PTAC Panel Series Small Business Development Center’s monthly expert panel, free, 8:30-10 a.m., Pikes Peak Regional Development Center, 2880 International Circle. Go to clients.coloradosbdc.org to register.

Wednesday, March 15 HBA: Board Meeting Meeting of the Housing & Building Association’s Board of Directors, 3-5 p.m., HBA, 4585 Hilton Pkwy., Ste. 100. Go to web.cshba.com/events for more.

CSRP: Council candidates Join the Colorado Springs Rising Professionals to network with candidates for City Council, free, 5:30-7:30 p.m., Jack Quinn’s, 21 S. Tejon St. Go to csrp.wildapricot.org to register.

Thursday, March 16

SBDC: Synergies for Business Explore the difference between current generations in the workplace and how to leverage those differences, free, 11:30 a.m.-1:30 p.m., Tri-Lakes Chamber of Commerce & EDC, 166 Second St. Go to clients.coloradosbdc. org/Events to register.

Thursday, March 16 Tri-Lakes Park: Breakfast Join the Tri-Lakes Chamber of Commerce & EDC for its bi-monthly networking breakfast, $30 annual membership, 7:30-9 a.m., Tri-Lakes Visitors Center, 166 Second St. Go to trilakeschamber.com/events-calendar to register.

Friday, March 17 Woodland Park: Annual Dinner

Join the Chamber & EDC for networking, free for members, $5 for non-members, 11 a.m.-1:30 p.m., Jack Quinn’s, 21 S. Tejon St. Go to coloradospringschamberedc.com/event/ to register.

Join the Greater Woodland Park Chamber of Commerce for its “Celebrating Success” 50th anniversary Gala, 5:30-9 p.m., Cheyenne Mountain Resort, 3225 Broadmoor Valley Road, Colorado Springs. Register at chamberorganizer.com/Calendar.

AASC: Luncheon

Tuesday, March 21

Chamber: Connect

Join the Apartment Association of Southern Colorado for its quarterly legislative update, $35 for members, $52.50 for non-members, Doubletree Hotel, 1775 E. Cheyenne Mountain Blvd. Register at web.aacshq.org/events.

Friday, March 17 Chamber: Luncheon Military Affairs Council’s Speakers Luncheon with Scott Blackmun, U.S. Olympic Committee CEO, $40 for MAC members/military, $45 for non-members, 11:30 a.m.-1 p.m., Doubletree, 1175 E. Cheyenne Mountain Blvd. Register at coloradospringsbusinessalliance.chambermaster.com/events.

Monday, March 20 SCWCC: Luncheon Southern Colorado Women’s Chamber monthly luncheon, $38 members, $46 non-members, 11 a.m.-1 p.m., Garden of the Gods Club & Resort, 3320 Mesa Road. Go to chamber.scwcc. com/events to register.

Woodland Park: Business After Hours Join the Greater Woodland Park Chamber of Commerce for after hours networking, free, 5:30-7 p.m., Keller Williams Client Choice Realty, 107 Sundial Drive, Ste. A. Go to chamberorganizer.com/Calendar to register.

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

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Tri-Lakes: Business Accelerators Join the Tri-Lakes Chamber of Commerce & EDC for business networking, first visit free, 8-9 a.m., Fairfield Inn and Suites, 15275 Struthers Road, Monument. Go to trilakeschamber. com/events-calendar to register.

Tri-Lakes: After Hours Join the Tri-Lakes Chamber of Commerce & EDC for its monthly networking mixer, $5 for members, $10 for non-members, 5-7 p.m., Palmer Lake Town Hall, 42 Valley Crescent St. Go to trilakeschamber.com/events-calendar to register.

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14 March 10 - March 16, 2017

Colorado Springs Business Journal

Focus

DOWNTOWN HB&A

Blue Dot developer planning more apartments By Cameron Moix

he Colorado Springs developer who recently built downtown’s first new apartment building since 1960 has announced plans to create a similar development just a block to the west. Darsey Nicklasson, well known for her role in developing Blue Dot Place at 412 S. Nevada Ave. — a four-story, 33unit urban apartment building that now also houses Loyal Coffee on its ground floor — has announced plans to build a four-story, 27-unit complex at 418-422 S. Tejon St (see rendering above). The 36,000-square-foot future apartment building is being called “Casa Mundi” (Spanish for “world house”) and is being designed as “a stylish urban haven with Latin and Mediterranean flair,” Nicklasson said. The building will be constructed at the site of what is now a parking lot on property owned by Sam Cameron and Kevin Butcher, principals at commercial real estate firm CameronButcher Company. The partners purchased the 19,000-square-foot lot for $2.5 million in 2005 as part of a larger transaction that also included their office building across Tejon Street. Cameron and Butcher, who have had few dealings in the residential development world, said their initial plan for the parcels was to eventually tear down their existing office building to make way for a new commercial structure and to leave the parking lot as is. “That’s just not the way it worked out,” Cameron said. “Things change.” The property owners said they began talks with Nicklasson about the possibility of developing the lot about two years ago, when she was working to develop the Blue Dot property in partnership with Colorado Springs businesswoman

and philanthropist Kathy Loo. “[Nicklasson] was a great neighbor, and we built a good relationship with her,” Butcher said. “This just seemed like a good idea.” Cameron and Butcher said the conversations with Nicklasson became more serious in recent months as Nicklasson worked to conceptualize and begin the planning process for Casa Mundi. “It’s going fast,” Cameron said.

A ‘VISIONING’ Both Cameron and Butcher attribute their decision to partner with Nicklasson to her success with Blue Dot, which has maintained 100 percent occupancy since opening its doors to tenants in January 2016 in a part of town that had previously struggled to gain momentum. “We feel like she has proven this model … and we feel it makes good sense to go into a joint venture with someone like her, who can bring that experience to the table,” Cameron said. “We love downtown and we think people will continue to move downtown.” Since the two parties agreed to develop Casa Mundi, Nicklasson said she has undergone a thorough “visioning” process in which she worked with Colorado Springs-based architecture and planning firm HB&A to bring to life her concept for the space. “I think Blue Dot turned out wonderfully, but there are some things I think I would do differently,” Nicklasson said. Preliminary designs for the building’s exterior include east-facing balconies, colorful decorative tiles, landscaping and three 13-foot-deep verandas that will serve as a common space among west-facing units. The eastern portion of the building’s ground floor will include space for two to three retail spaces that Nicklasson

said will likely include at least one to take 14 months, putting the project’s restaurant. completion date near the end of 2018. “I’d also love to have a juice bar,” she said. “But we’ll just have to see what FOLLOW THE DOT happens.” The announcement of Casa Mundi The design for the western portion of is only the most recent in a stream of the building includes indoor bike parkplanned downtown multi-family develing and storage lockers for tenants, as opments that began flowing in after Blue well as carport-covered surface parking Dot’s opening last January. behind the building. “Many people have called it a ‘proving “We tried to design the building with ground,’” Nicklasson said. more places where people have to caThe Colorado Springs Downtown sually run into each other,” she said. Development Authority agreed, stat“If we create those places for people to ing in a 2016 update to its master plan collide, the idea is that we’re creating a that Blue Dot “has served as a catalyst, sense of community. … That’s what has as it has been able to demonstrate the driven the whole design of Casa Mundi. marketability of new, urban-style rental ... People want to live in unique places, product.” and people want to feel connected — “[Blue Dot Place] truly was a catapeople want to belong.” lyst for downtown Because the buildresidential developing abuts the properment,” said Sarah ty line to the north Humbargar, diand south, those two rector of business sides of the building development and will be essentially economic vitaliwindowless in order ty for the Colorado to meet fire code. The Springs Downtown layout was therefore Partnership. designed to utilize “There had been a light entering each — Darsey Nicklasson number of developers unit from the east interested in downand west. Nicklasson town residential … said the building will but they struggled to get financing beoffer studios, as well as one-bedroom cause there was no comparable product. and two-bedroom apartments with So [Nicklasson] took a huge risk, but built-in shelving and cabinetry, 10now it’s something that all the other foot ceilings in living spaces and open developers can point to.” floor plans. According to Humbargar, there are The project hasn’t been without its currently 15 multi-family developments challenges, Nicklasson said. Most rethat have either been announced, are cently, the developer worked with the under construction or have been recentcity and with Old Town Bike Shop owner ly completed in or around downtown John Crandall to ensure that the new Colorado Springs. Those projects acstructure won’t negatively impact his count for 669 new units, 429 of which historic building. are within the DDA’s boundaries and Nicklasson said she plans to break ground this fall and anticipates buildout therefore received 100-percent tax in-

“People want to live in unique places, and people want to feel connected — people want to belong.”

Colorado Springs Business Journal

March 10 - March 16, 2017

NEXT WEEK

RISING STARS - WHERE ARE THEY NOW? F R E E

crement financing through the agency’s Urban Living Initiative program (including Blue Dot and Casa Mundi). The DDA board voted to implement the grant program last June in order to “accelerate progress toward a near-term Master Plan goal of 2,000 new-construction residential units” by 2025, according to official meeting minutes. For downtown projects of 10-plus units, the program will grant 100-percent TIF through the end of 2019 or until the DDA reaches its 600-unit, short-term goal. After the goal is reached, the DDA will provide applicable projects with 7590 percent TIF. “It’s a pretty aggressive program be-

cause we do have that goal and we’re really trying hard to achieve it in a relatively short period of time,” Humbargar said. Among the developments that have qualified for the Urban Living Initiative are also two large apartment buildings planned by Colorado Springs-based Nor’wood Development Group: the 169unit 333 Eco apartments, located at the northeast corner of Colorado Avenue and South Wahsatch Avenue; and The Cascade, a 183-unit apartment building planned for the northeast corner of South Cascade Avenue and East Rio Grande Street. CSBJ

C H E C K I N G

Think big. Work hard. Make plans.

Wahsatch Ave.

Nevada Ave.

Cascade Ave.

Weber St.

Uintah St.

Spruce St.

B U S I N ES S

M es

Tejon St.

Cache La Poudre St.

a d

Monu

m ent St.

Saint Vrain St.

vd . Platte Ave.

4 1: The Gabion, 676 W. Monument St. Units: 20 Complete

Pikes Peak Ave.

2: Park Manor East, 16 Valley Place Units: 20 Under construction

4: 22 S. Spruce St. Units: 46

Under construction

5: Bijou Condos, 117-121 E. Bijou St. Units: 9 Under construction 6: 9 S. Weber St. Units: 3

Under construction

Colorado Ave.

7 Sierra Madre St.

3: Hearthstone Apartments, 506 N. Cascade Ave. Units: 23 Under construction

Bijou St.

Costilla St.

Cimarron St.

7: 333 Eco, Southwest corner Colorado Ave. & Wahsatch Ave. Units: 169 Under construction

8: Casa Mundi, 418-422 S. Tejon St. Units: 27 Announced 9: Blue Dot Place, 412 S. Nevada Ave. Units: 33 Complete

Las Animas St.

10: 210 Pueblo Ave. Units: 5 Under construction

Rio Grande St.

Fountain Blvd.

11: The Cascade, Northeast corner Cascade Ave. & Rio Grande St. Units: 183 Announced 12: Rio Grande Townhouses, Rio Grande St. & Wahsatch Ave. Units: 17 Announced 13: 202 E. Las Animas St. Units: 43

Announced

14: 252 E. Las Animas St. Units: 6

Announced

15: Greenway Flats, 31 W. Las Vegas St. Units: 65 Announced

13 14

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16 March 10 - March 16, 2017

Colorado Springs Business Journal

Photo by Cameron Moix

HEY NONPROFITS, apply for the 2017 Give! Campaign. Since 2009, Give! has

RAISED OVER $8.1 MILLION FOR 162 LOCAL NONPROFITS, while providing expert trainings and valuable media exposure.

Find out how YOUR nonprofit could be a part of it by attending either Give! Information Session at Stargazers Event Center 10 S. Parkside Drive 80910 (Both events cover the same information)

Thurs., March 23, 3:30-5 pm Thurs., April 6, 3:30-5 pm Applications go live at indygive.com and csindy.com March 22 and are DUE April 22. For more information visit IndyGive.com, email give@csindy.com, or call 719-577-4545 ext. 214

City Councilor Tom Strand (right) talks about the significance of the Go Code competition.

Epicentral hosts local launch of Go Code Colorado

By Cameron Moix

uring the Colorado Springs launch of Go Code Colorado — a statewide challenge in which developers and entrepreneurs form teams to create apps using public data — organizers and participants brainstormed problems they might set out to solve. “Create an app that uses public data to solve a problem for business decision makers,” said Program Manager Andrew Cole. That charge paraphrases the mission statement of Go Code, a program of the Colorado Secretary of State’s office that kicked off its fourth consecutive year during a statewide launch event last month in Denver. On March 2, Epicentral Coworking in downtown Colorado Springs (one of five participating cities, including Denver, Boulder, Fort Collins and Durango) hosted the city’s local kickoff event. The event served as a sort of “ideation” workshop for the dozens of locals looking to form teams to compete in this year’s challenge. “The best teams that form are diverse,” said Michelle Parvinrouh, executive director of Peak — Michelle Startup and a local Go Code organizer. “You only need one coder on each team — although two is better. I don’t want to scare anyone off, because every team needs a marketing person, or someone who can strategize, or someone that can help through the validation process. … We need diversity.” After a brief introduction by Parvinrouh and Cole, a panel of local business and community leaders led the brainstorming session and touched on issues they’ve faced — and how Go Coders might help solve them. “I don’t know how to measure my impact, especially the economic impact of Epicentral,” said Lisa Tessarowicz, the owner of the co-working space. “I also find it difficult to measure the value that Epicentral can provide for its members.” Hannah Parsons, chief economic development officer for the Colorado Springs Chamber & EDC, said that when she speaks with businesses looking to locate in the city, they consistently ask her two questions: What are the financial incentives from city, state and county?

And do you have the workforce in my industry to support my business locating there and growing? Jonathan Liebert, CEO and executive director of the Better Business Bureau of Southern Colorado, said that he would love to see Go Code teams address the issue of social impact businesses, which have become a primary focus for the organization. “I need to know how many of those businesses are in our community,” Liebert said. “Unlike a nonprofit or for-profit, I can’t just go to the Secretary of State’s office and figure out who they are. … So we need to map this out and determine how many of these organizations are actually in our town. Once we first figure out how many are here … we want to then let people know they exist and what they do. Then we also need to be able to map out their economic benefit and how many jobs they create.” Jay Anderson, a citizen engagement specialist for the city of Colorado Springs, said that he would like to see locals be able to better access public data in order to become more involved in civic matters. “We’re always trying to figure out how the community feels, and my responsibility is to manage some Parvinrouh of the tools that do that,” Anderson said. “A lot of our public processes are suffering from a lack of participation, so if there were a way to leverage public data about how people operate in the economy or where they’re located … we could stand a chance to get better public participation.” Cole said that Go Code participants can use these real-world challenges to inform the formation of their teams and the creation of their concepts. Teams will be able to work on their apps until local challenge weekend on April 7-9, when they will compete for the Colorado Springs title. The two winning teams from each participating city will then go through a phase of more development and mentorship before the statewide competition in Denver on May 24. “My promise to you is that if you participate in Go Code Colorado, it will be worth your time whether you win or you lose,” Cole said. “I can say that with a straight face.” For more information, visit gocode. colorado.gov. CSBJ

“The best teams that form are diverse.”

Colorado Springs Business Journal

March 10 - March 16, 2017

APRIL 2017

ELECTION H

CANDIDATE SURVEY VOTER GUIDE

This publication is a free, nonpartisan service provided by Citizens Project to encourage informed voting and voter turnout. The responses were not edited for grammar, punctuation, or spelling and were truncated if they exceeded the specified word count. Candidates were asked nine questions. Visit www.CitizensProject.org to read their responses to all of the questions.

“Nobody will ever deprive the American people of the right to vote except the American people themselves and the only way they could do this is by not voting.” – Franklin Delano Roosevelt

CITIZENS PROJECT

2017 COLORADO SPRINGS BALLOT ISSUES EXPLAINED For full ballot measure language and explanations in support of and opposition to these measures, visit www. CitizensProject.org.

Don’t be a bystander. Vote.

MARK YOUR CALENDARS AND

OTE!

™

Election Day is Tuesday, April 4, 2017

This is an ALL-MAIL election and ballots must be RECEIVED by April 4, 2017 at 7pm. Ballots will be mailed beginning March 10 and can either be mailed back or returned at any drop-off box location. A link to locations and hours can be found at www.citizensproject.org. For problems or questions call the City Clerk’s Office at (719) 385-5901, ext. 4. To register or update your registration visit www.govotecolorado.com

ISSUE 1: Sale of City Utilities Charter Amendment Would amend the City of Colorado Springs Charter to increase the percentage of votes required to approve the sale or lease of a substantial part of a city utility (including the water system, wastewater system, electric light and power system, and gas system) from a simple majority (more than 50%) of votes to at least 60% of the voting electors needed to approve the sale. A YES vote changes the city charter to require 60 percent of voters to approve selling any substantial part of the city’s utilities. A NO vote retains the current requirement of a simple majority (50 percent plus one) to approve selling the city’s utilities.

ISSUE 2: Excess Revenue for Stormwater Projects Allows the city to retain $6,000,000 in 2016 and 2017 excess revenue to invest in stormwater projects, including those that are already contractually required or mandated by law, and refund any excess over $6,000,000 back to city residents. A YES vote allows the city to keep $6 million of excess revenue to invest in stormwater projects. A NO vote will require the city to refund the excess revenue to city residents (most likely through a small rebate to each customer of CSU).

MARCH 2017

Candidates were asked nine questions. Visit www.CitizensProject.org to read their responses to all of the questions.

ISSUE 3: Exemption from State Broadband Law Allows the city to be exempted from a state law that prevents coordination or partnering with service providers to provide competitive broadband (internet), cable, or telecommunication (phone) service as an alternative to private providers. A YES vote exempts the city from the state law, allowing it to provide or partner with service providers for highspeed internet service, cable television service and telecommunication service. A NO vote means the city is subject to the state law and cannot provide or partner to provide competitive telecommunication services.

Additional Candidate Survey Questions: What are the top two issues facing Colorado Springs and how will you address them? What proactive steps should council and the mayor take to gather citizen input early in discussions about city issues, and to better promote public access to government information? What is the ideal relationship between the City and its enterprises, and how can Council ensure that services provided by Colorado Springs Utilities and other enterprises remain accessible and affordable for all residents? What are your plans for, or ideas about, addressing our community’s need to assist those most vulnerable in our community? What do you see as the needs of our public transit system? How will you address those needs? What role does a vibrant and wellfunded arts and cultural sector play in the overall vitality of our local economy?

PAID INSERT • CITIZENS PROJECT

18 March 10 - March 16, 2017

Colorado Springs Business Journal

CITY COUNCIL DISTRICT 1

Candidates are listed in the order they appear on the ballot. *See back for candidates who chose not to participate.

DON KNIGHT

GREG BASHAM

E-Mail: DonKnightForD1@comcast.net · Website: DonKnightForD1.com Phone: 719-532-9369 Education: Bachelor of Engineering and MS in Computer Science Occupation: Fulltime on City Council H

E-Mail: ccd1@votegregbasham.com · Website: fb.com/votegregbasham Phone: Not provided Education: Not provided Occupation: Not provided H

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution - why or why not?

The proposed resolution did NOT oppose the relocation of refugees to Colorado Springs. It requested the federal government to fully vet them before relocating to Colorado. Anyone having deployed to Southwest Asia (myself, my daughter, her husband, and my son included) will affirm while there are people suffering in this region who could find a better life in Colorado, there are also people who want to do us harm. With the high visibility targets in our area (Air Force Academy, Cheyenne Mountain, Garden of the Gods, etc), it is only common sense to ensure we properly screen any refugees first.

Our federal government has failed to come up with a competent way to vet refugees, it would be wise to delay these decisions until they have.

The issue of a businesses right to refuse service based on religious beliefs is far out of the realm of what Council should be dealing with. Council gets wrapped up in issues that they do not control far too often and perhaps this is part of the reason they do not accomplish all they could have and should have accomplished. Smaller, less intrusive government is always a better route.

Yes. The 1st Amendment states: “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof “(emphasis added). Are we not then being both hypocritical and against the law if we say one group has the right the exercise their religious freedoms, but then prohibit another? For example, while against its uniform standards, the military accommodates individual expressions of sincerely held beliefs including the wear beards or articles of clothing, or obtain tattoos or piercings. Why then should we force a baker to make a cake in a fashion against his or her religious believes. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? In business development I learned to protect your base and focus your growth. Our base is the military. In my first term, I championed a Pentagon, local bases, and CSU partnership to strengthen us from any Base Realignment and Closures.

What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? To improve and SUSTAIN economic develop we need to first fix our infrastructure, we can not continue to grow on top of eroding services, and then we aggressively go after new businesses. Our Mayor and Chamber have a vision and a plan for these issues and Council needs to support them and move quickly to put their plans into action. Trusting the city’s staff and being time sensitive to the need for us get projects started in our downtown area will be key to taking advantage of this opportunity that has opened up to us by a better economy.

For growth, I will focus on medicine, aerospace, and cyber. I voted for modifying the Memorial lease for a new Children’s hospital bringing in high paying medical jobs. I supported creating a Commercial Aeronautical Zone (CAZ) around the airport which has already brought in over 2,000 jobs. In my second term, I want to make the entire City a CAZ.

CITY COUNCIL DISTRICT 2 DAVID GEISLINGER

RICHARD SKORMAN

E-Mail: geislingerD@@gmail.com · Website: davegeislinger.wordpress.com Education: BS Bus. Admin, J.D., Ordained Catholic Deacon Occupation: Current Hospital Chaplain, Former Attorney

CITY COUNCIL DISTRICT 3 E-Mail: skormy@aol.com · Website: RichardSkorman.com Phone: 719-578-5513 Education: Bachelor of Arts and Honorary Doctorate from Colorado College Occupation: Co-owner Poor Richards/Little Richards/Ricos

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution - why or why not?

Our community never questioned accepting “migrants” forcibly displaced by the Waldo Canyon and Black Forest fires, as we recognized the moral imperative to do so. Any resolution barring all of Colorado Springs from accepting other migrants, displaced for other reasons, because of an unsubstantiated fear cannot be justified, because embracing those forced to migrate for any reason remains a moral imperative and we must never coercively institute a ban prohibiting the exercise of human compassion and the religious and moral precepts we profess to claim as our heritage.

I don’t support it. Colorado Springs has a long tradition of bringing in refugees and having them successfully assimilate into our city. Many of our City’s best small business owners and high tech employees have come from our past refugee community. Many more have served in our armed forces and been stationed in our region.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? No. As a pragmatic matter, such an effort would ultimately prove futile and costly, as the resolution of these sorts of issues is necessarily going to have to be determined pursuant to the free exercise clauses of the federal and state constitutions, and not by local city ordinance. On a personal level, such efforts have often appeared to me to be more concerned with ensuring active government support of one individual’s religious/social/moral beliefs by the simultaneous suppression of the religious/ social/moral beliefs held by another. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? A City that refuses to invest in itself cannot expect a business to do so. In committing to our City businesses will be more inclined to partner with us. This requires embracing our community as it is; a city of over 400,000 people with political, ethical, social and ethnic identities that are not uniform or homogeneous. We need not be afraid to acknowledge this. If we are all interested in the City’s future, we can embrace those things that serve the common good. Compromise for the greater good is not a dirty concept.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? I would not support. We are a diverse city with a population of lots of religious beliefs, lifestyle choices and sexual orientations. No one should ever feel that they can discriminate against a customer based on their own religious beliefs What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? We have a tremendous opportunity to attract Millennials and entrepreneurs from the increasingly congested and expensive North Front Range by growing our Downtown and Westside commercial districts, retiring and removing the Drake Power plant, connecting our trails and creating a system of greenways to increase bicycle transportation and access to outdoor recreation, and by renegotiating our Franchise agreement with Century Link and Comcast to increase our bandwidth and internet speeds. Promote our Cyber security infrastructure and industries and provide a place for Peterson to increase its missions. And continue to promote our culture of health/fitness and our Olympic Brand.

Candidates were asked nine questions. Visit www.CitizensProject.org to read their responses to all of the questions.

Colorado Springs Business Journal

CITY COUNCIL DISTRICT 3 CHUCK FOWLER

CITY COUNCIL DISTRICT 4 YOLANDA AVILA

E-Mail: cc3@citizensforchuckfowler.com Website: citizensforchuckfowler.com Phone: 719-661-4910 Education: BA, University of Colorado (Boulder) Occupation: Owner, HOAreports.com H

March 10 - March 16, 2017

E-Mail: cs.yolandaavila@gmail.com Website: yolandalavilaforcitycouncil.com Phone: 719-424-7142 Education: B.A. Political Economy Occupation: Retired Criminal Defense Investigator H

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution - why or why not?

Because of the legal turmoil and chaos of America’s immigration policy at present, I don’t trust that the federal government can adequately protect the safety and security of its citizens from potential threats. Protecting citizens, their lives and properties, is a primary duty over humanitarian efforts.

I do not support the resolution. Refugees have already been extensively vetted before entering our country and this kind of ban does not represent who we are as a country, a state, or a city. Refugees have experienced unimaginable atrocities and are so grateful to be here and will contribute immensely to our community if given the opportunity.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? I believe in religious liberty and equality. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? It’s not enough to offer a beautiful city. Business owners and managers fear uncertainty. Expanding and relocating businesses, the companies who drive the most beneficial and sustainable economic growth and jobs, want stability in government funding and service delivery. They need to rely on a dependable and sober work force. They look for cultural continuity and personal growth through high-performing schools and universities. Colorado Springs does all of these things well, but we must stay competitive with other communities who are looking for economic growth, too. City Council’s job is to ensure that our local government is not inhibiting economic growth with over regulation or burdensome policies.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? I would not support such an effort. I am concerned about anything that may take us back to the days of discriminatory practices, and I believe such legislature has the potential to open that door. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? We must always begin by investing in our people. They are our greatest resource and we need to create the ideal conditions for them to become entrepreneurs, business owners, and skilled workers. We should focus on making sure that citizens have access to a diverse array of training and education, whether it is skillspecific, college, vocational schools, entrepreneurship training, or business management. We must also carefully consider City regulations and policies to make sure that we are providing a welcoming climate for businesses and employers, while also protecting the public interest, our environment, and the rights and needs of citizens.

CITY COUNCIL DISTRICT 4 DEBORAH L. HENDRIX

JILL GAEBLER

E-Mail: ccd4@votefordeborahhendrix.com Website: votefordeborahhendrix.com Phone: 719-271-2411 Education: 1983 – Howard University Occupation: Executive Director – Parents Challenge H

CITY COUNCIL DISTRICT 5 E-Mail: jill@jillgaebler.com Website: jillgaebler.com Phone: 719-229-0028 Education: BS Management Information Systems, Univ. of Arizona Occupation: Council Member – City of Colorado Springs

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution - why or why not?

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution – why or why not?

What I support is the review of how we provide for the citizens of this community and how we make sure that the adequate services and resources are available.

I was a council member during this discussion and was opposed to the anti-refugee resolution. This type of non-binding messaging only serves to degrade the reputation of our community as we appear unjust and even hateful to those who need our assistance the most.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? I would support the rights of individuals and companies. Many businesses have signs that say, we exercise our right to refuse service to anyone. Because the business owner is responsible for the vitality of their business and they are responsible for paying the taxes, hiring staff, promoting a service or product, why should we allow anyone to tell them who they can serve or not serve. I believe we need to stop trying to make everyone accept our beliefs. I am entitled to exercise my beliefs and I shouldn’t infringe on others rights to do the same. Let’s follow the constitution. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? As you know City Council does not create jobs, we create regulations/policies/ ordinances that make our community a business friendly climate or not. We need to review our regulations and taxes to make sure businesses want to relocate, stay or start in Colorado Springs.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? I would not support a local policy change to allow any business to deny service to someone based on religious belief. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? The City’s economy has been growing over the past four years, as witnessed by a year-over-year increase in sales tax revenue to the City. It is not government’s job to bring business to our city, but it is our job to create a community where business wants to locate and a young, educated workforce wants to live and raise their families. I believe we do this by continuing to reduce regulations that prevent business from thriving and by continuing to support the downtown growth that is wanted by young professionals, who want to live, play, work, eat, and shop, all without getting in a car.

The growth of any city is the small business population. How can we attract more as well as help more be successful? We’ve had enough studies – now we need to implement what has already been researched. We want all parts of our city to be attractive for business growth. No one area should receive all the attention, we should make sure future or prospective businesses or investors see the entire community as a viable relocation, expansion or start-up opportunity.

Candidates were asked nine questions. Visit www.CitizensProject.org to read their responses to all of the questions.

20 March 10 - March 16, 2017

Colorado Springs Business Journal

CITY COUNCIL DISTRICT 5 LYNETTE CROW-IVERSON

MELANIE BERNHARDT

E-Mail: lcrow@conspire2hire.com Website: friendsforlynettecrow.com Phone: 719-351-9226 Education: Pueblo Community College, University of Southern Colorado Occupation: CEO H

CITY COUNCIL DISTRICT 6 E-Mail: melaniedistrict6@gmail.com Website: facebook.com/COS.District.6 Phone: 719-64-6352 Education: BA From Catherine College in Van Nuys, CA Occupation: Retired former USAA MSR and Exec. Dir for Non Profit

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution - why or why not?

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution – why or why not?

The issue of whether our country, our state or our city allowing refugees is strictly within the purview of the executive branch of the federal government. I believe in the separation of powers enumerated by the U.S. Constitution; specifically between the legislative, executive and judicial powers. Colorado Springs’ City Council is the municipal’s legislative branch and should focus ONLY on the issues it controls (e.g., land use and CSU governance, for instance).

I do not support this resolution. It is not right! We all come from a family of immigrants (unless you’re Native American). Our Bill of Rights promises “life, liberty, and the pursuit of happiness” to those seeking refuge here. I have been to the Syrian refugee camps in Germany, and I have met those seeking refuge. They are women, children, elderly, and only a small percentage are men as many of the men are either fighting still or have been killed. Many are professionals like you and I with families. And they are kind and grateful. Our vetting process is tough, trust it.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? In 2015, a unanimous three-judge panel of the Colorado Court of Appeals determined it was unlawful to discriminate based on religious beliefs, stating “religious liberty gives you the right to your beliefs but not the right to harm others.” Neither our state’s antidiscrimination law nor this ruling prevents a business owner from expressing their views on any issues they may have religious opposition to and they remain free to dissociate themselves from their customers’ viewpoints; however, state law currently prohibits public accommodations from refusing service based on factors such as race, sex, marital status or sexual orientation. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? We need to diversify our economic base and the City should act as the conduit to economic growth, not a roadblock. We need an economic gardening ecosystem that cultivates new businesses and supports existing ones through “retain, grow, and attract” strategies.

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? Absolutely not. If you are open to the public, you need to serve the public. Now, if you want to run an exclusive private business, not open to the general public, then yes, you should be able to field your clientele. We are Colorado Springs, united. Not Colorado Springs united except with those we depict as different. We are all created equal. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? COS should really empower the local businesses more. Devise some kind of financial breaks for training and hiring local workers. But to make sure these financial breaks are not just lining the pockets of business management, a checks and balance system needs to be put into place. Similar to that of those receiving grants. Is it more work? YES! But don’t our constituents deserve a system which supports growth and employment?

Tourism is a major driver of the local economy with an average of 5M visitors/year, supporting 17,000 jobs while generating over $56M in tax revenue. As such, downtown is essential to strengthening the City’s epicenter of commerce, culture and government. It must grow to become a thriving, dense and connected neighborhood with living, restaurant and retail opportunities.

CITY COUNCIL DISTRICT 6

*The following candidates chose not to respond:

Helen Collins, District 4 Robert Burns, District 6 Janak Joshi, District 6

THANKS TO THE FOLLOWING ORGANIZATIONS FOR COSPONSORING CITIZENS PROJECT ELECTION EDUCATION:

ANDRES PICO

E-Mail: pico4council@gmail.com Website: pico4council.weebly.com Phone: 719-597-9680 Education: BS in Business Administration with major in Transportation and Public Utilities Occupation: Semi-retired, Member of City Council H

Last year a resolution opposing the relocation of refugees to our community was introduced before City Council. Do you support that resolution - why or why not? I wrote that resolution and that is NOT what it said! That resolution did not oppose the relocation of refugees. The resolution requested two actions; that the local refugee resettlement agencies provide notification to the local governments since relocation drives local spending, and requested that the federal agencies ensure that refugees from specific threat areas identified by the Administration be securely screened. Since then the local agencies have engaged with the city and that communication continues and therefore answers that request.

Center for Nonproﬁt Excellence • Colorado Common Cause Cultural Ofﬁce of the Pikes Peak Region • First Congregational Church Planned Parenthood of the Rocky Mountains

P.O. Box 2085 Colorado Springs, CO 80901 (719) 520-9899 www.citizensproject.org info@citizensproject.org

Nationally, there have been efforts on the part of state and local governments to allow for refusal of service to customers when such service conflicts with the business owner’s religious beliefs. Would you support a similar effort in Colorado Springs? I do believe in religious freedom and I support the right of anyone to refuse service on religious grounds. We do not need a new tyranny of anti-religious bigotry against anyone and I will oppose such tyranny of thought and suppression of economic and religious freedom. What steps should the City of Colorado Springs take to ensure economic development and job growth in the region? In which areas and sectors should we focus? Economic development and job growth are my highest priority as this is what will drive prosperity, full employment, and the quality of life that everyone aspires to. We have and I will continue to emphasize economic growth and both the expansion of our economic base and diversity of business sectors. We are at present too dependent upon the defense sector and need to bring new business sectors. The Commercial Aeronautical Zone has been enormously successful and has generated a new business sector in our region. I think this is the type of approach that we can leverage for greater job growth across the region.

Citizens Project is a fearless, bold advocate and an engaging voice that empowers and challenges our entire community to embrace equality, diversity, and separation of church and state.

BOARD OF DIRECTORS

STAFF • Deb Walker, Executive Director • Joy Garscadden, Operations Manager

• • • • • • •

Jane Ard-Smith, Chair Rev. Norm Bouchard Judy Casey Kathy Dreiling Sue Grant Andrew Hershberger Lisa Kemppainen

• • • • • •

Pete Lee Steve Mack Cynthia Nimerichter Michael Pearlmutter Jan Tanner Jason Thompson

Candidates were asked nine questions. Visit www.CitizensProject.org to read their responses to all of the questions.

Colorado Springs Business Journal

March 10 - March 16, 2017

Loans: Never too early to explore available resources From page 1

had gone so high because the student had not paid on their loans,” she said. borrow, she said, because “they don’t “They had accrued interest and … then understand how big the loans are and 33 percent collection cost, so it gave a how hard it’s going to be to pay back.” bad view of what was really happening.” Jevita Rogers, senior executive direcStill, those stories had helped start tor at the UCCS Office of Financial Aid, conversations about the dangers of Student Employment and Scholarships, over-borrowing. said students in UCCS’ graduating class “Now people are more conservative of 2016 had an average indebtedness of about what kind of debt they’re getting around $16,800. She said the office’s into,” Rogers said. “It has been a change mission was to help students “become in culture.” educated consumers… not just borrowErica Shafer, associate director of fiing whatever’s offered to them.” nancial aid at Colorado College, agreed Rogers said horror there is increasing stories about student “awareness and pruloan debts in the hundence” about student dreds of thousands loans. Students in came with extenuatColorado College’s ing circumstances, class of 2016 who and “it’s the extreme needed loans borrowed an average of stories that make the $20,742 to complete headlines.” their undergraduate Rogers pointed to degree, she said. graduates of a Tier 1 — Carol Breglio Shafer said imlaw school as examproved education ples of such outliers. about f inancing “Between their unwould help students use loans more dergraduate and law school careers, on effectively. average it was about $120,000 — but “There was an article that just came that was a mortgage for a condo,” she out about how the forgiveness and said, referring to her time working for repayment options available to stuan institution in another state. dent borrowers [via the Department “Unfortunately … they were starting of Education] are so convoluted that out at $30,000 a year, so a $1,000 loan no layperson … can reasonably follow payment was out of reach.” them,” she said in an email. In other cases, “the deeper details “Current forgiveness and repayment [showed] a lot of times the loan debt

“They don’t understand how big the loans are and how hard it’s going to be to pay back.”

Student Loan Debt Stats Average Student Debt Per Borrower:

Colorado

USA

$26,095

$28,400

57%

60%

5.96%

11.8%

232,881

43.3 million

Percentage of Graduates with Student Loan Debt: Default Rate: Total Enrollment:

Combined Undergrad and Graduate Debt by Degree (as of 2012) PhDs: not reported

150K

100K

50K

$42,000

$50,400

$50,879

MBA

Master of Science

Master of Education

$55,489

$58,539

Other Masters Master of Arts

programs need to be simplified, both in terms of how one qualifies for them and how one applies for them.” Still, Shafer said, simplification only goes so far. “As a student who attended college utilizing a lot of financial aid, and … who has worked in a financial aid office since 2005 … my concern isn’t that no resources currently exist to help students mitigate their student loan burden, ease repayments or learn more about managing loan debt, but that lots of those sorts

$140,616

$161,772

Law

Medicine/ Health Sciences

of resources exist and students don’t go looking for them until they are preparing to graduate from college,” she said. “The conversation about where to find those resources should not start at the end of one’s college career, or even during it, but before.” CSBJ Editor’s note: This is the first of two articles on the impact of student loan debt. Next week’s article will look at colleges’ increasing role in preventing student loan debt disasters, and how this investment benefits Colorado Springs. n

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22 March 10 - March 16, 2017

Colorado Springs Business Journal

THE LIST: HOTELS

Hotels

Ranked by number of guest rooms

Just Missed The List

Ranked by No. of Guest Rooms Rank

11 - Quality Suites Central 12 - The Lodge at Flying Horse

NR - The Broadmoor

2 Great Wolf Lodge, an indoor water park resort, had its grand opening Jan. 27.

3 4 5

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

Don’t miss The List March 17: IT Computer Support Companies March 24: Medical Facilities March 31: Commercial Real Estate Brokers April 7: Department of Defense Contractors

From The Book of Lists & Power Pages

6 7 8 9 10

Name Address Reservations Hotel Elegante 2886 S. Circle Dr. Colorado Springs, CO 80906 800-981-4012 Cheyenne Mountain Resort 3225 Broadmoor Valley Rd. Colorado Springs, CO 80906 800-588-0250 Great Wolf Lodge 9494 Federal Dr. Colorado Springs, CO 80921 844-552-9653 DoubleTree by Hilton Colorado Springs 1775 E. Cheyenne Mountain Blvd. Colorado Springs, CO 80906 800-222-8733 Radisson Hotel Colorado Springs 1645 N. Newport Rd. Colorado Springs, CO 80916 800-333-3333 Hyatt Place 503 W. Garden of the Gods Rd. Colorado Springs, CO 80907 800-833-1516 The Mining Exchange, a Wyndham Grand Hotel & Spa 8 S. Nevada Ave. Colorado Springs, CO 80903 877-999-3223 Clarion Hotel & Conference Center 314 W. Bijou St. Colorado Springs, CO 80905 800-477-8610 Holiday Inn Express & Suites Central 105 N. Spruce St. Colorado Springs, CO 80905 888-233-9450 Staybridge Suites AFA 7130 Commerce Center Dr. Colorado Springs, CO 80919 719-590-7829

Website Email

No. of Guest Rooms 500

Max Seating: Meeting/ Banquet 1,800 1,200

Manager

cheyennemountain.com cmrinfo@usa-bhi.com

316

600 500

Tom Walker, Director of Sales

1985

greatwolf.com/colorado-springs N/A

311

124 361

James Anderson, General Manager

2016

coloradospringsworldarena.doubletree.com lwhite@coloradospringsdoubletree.com

299

1,600 1,000

Daniel Kammerer, General Manager, Cheyenne Motto, Director of Sales

1986

radisson.com/coloradospringsco_airport Rhi_cosp@radisson.com

200

140 160

Zan Wagner, General Manager 1985

coloradosprings.place.hyatt.com bjay.bliss@hyatt.com

124

120 80

Jean Van der Meulen, General Manager

1997

miningexchangehotel.com info@wyndham.com

117

230 200

Shelby Pywell, General Manager

2012

choicehotels.com/hotel/co025 gm.co025@choicehotels.com

250 200

Savannah Jarosz, General Manager, Roland Sardaczuk, Director of Sales

1975

N/A N/A

50 N/A

suitescolorado.com danny@newvisionhotels.com

10 10

Tadz Jarosz, Guest Services 2014 Manager, Denise Galvez, General Manager/Director of Sales Daniel Valdez, General Manager 2002

hotelelegante.com thampton@mcmelegante.com

Year Built

Edward Okvath, General 1974 Manager, Tracey Hampton, Director of Sales and Marketing

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.

17-CSU-01950_Business_PRINT_4.75x6.5_4C_FNL.pdf 12:00 PM This is the 1top 2/23/17 listing of Hotels that

responded to questionnaires, notices and telephone inquiries.

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Captains of

INDUSTRY

SPEED MENTORING

THURSDAY, APRIL 13 7:30 - 10:00 a.m. • The Antlers Hotel

Join 40 business and community leaders to learn their secrets of success for a speed-networking and mentoring event sponsored by the Colorado Springs Business Journal. Leaders from industries — from manufacturing to first responders, from sports management to education, with a little bit of everything in between — will be available to share their wisdom and answer questions about their industries, their challenges and how they made it to the top of their fields.

Average Weekly Wages Sign up for the CSBJ Daily Email at www.csbj.com

2015 Average Wee Colorado E

The average weekly wages in El Paso County were $146 per week lower than Colorado the state average, which Springs Business Journal March 10 - March 16,$1,042 2017 23 translates to $7,592 lower per year. Teller County Source: Colorado Departm also lags further behind the state’s weekly average Office of Labor Market Inf wage, as seen in the table on the right. Employment and Wages

Report: City is safer but education sector struggles From page 11

MISSING THE MARK According to data, education is one sector that needs improvement. Fifteen of the 17 local K-12 districts are below the national average for spending per student, which is $11,009. The only two that spend at the national average or above are Hanover District 28 ($11,399) and Edison District 54 JT ($12,327). According to the report, spending per pupil in the Colorado Springs MSA drops as low as $6,938 per student per year. This spending includes teacher pay and benefits. According to Glenn Gustafson, chief financial officer for School District 11, approximately 85 percent of school budgets go to teacher salaries and benefits. While local wages overall are lower than the state average, El Paso County has seen some growth. Nine of 12 sectors show wage increases, according to the report. Education wages, however, have remained stagnant. “We are not going to be competitive with other states,” Gustafson said regarding teacher recruitment. “Young people coming out of college with student loans have a choice. There is no doubt we sell Pikes Peak a thousandfold over, but at some point young couples have to make some decisions.”

Rea

El Paso County Top 12 Sectors Real Weekly Wages (2009 Dollars) $1,600

2006

$1,400

Whi stat grow sect Cou aver from adju

2015 Average Weekly Wages, 2015: Colorado: $1,042 El Paso County: $896

$1,200

2009 Dollars

2050 and, according to the report, the local population is projected to get older. But there is also strong growth in the 30-49 age group — a favorable trend for businesses. Information from the Colorado Department of Local Affairs shows the Colorado Springs MSA had more than 50 percent of local population growth linked to in-migration — more people moving in than out of the area. Net migration is expected to be a factor in coming years.

$1,000 $800 $600 $400

NOTE desig $0 emplo Main mach good nail, dry c Sources: Colorado Department of Labor and Employment, Office of Labor Market Information, photo Quarterly Census Employment and Wages; UCCS Economic Forum (using BLS CPI for conversion to real dollars) Grant QLI statistics are valuable for local businesses across Organ Migration projections, along with low education sectors, the public and policy-makers who are inter- of thi spending, are the two factors contributing to the $200

Per Capita Real GMP

ested in harnessing the positive momentum in some “Colorado Paradox,” Bailey said. study areas to bring all sectors forward. “We are actually a pretty educated state, but it “We are doing 2015 really well; let’sCapita look at what is workis people moving here. It is not homegrown, so to Per Real GMP (c GrossBailey domestic productin (GDP) speak,” said. “That discrepancy per-pupil is ing well and run with that,” said Bailey, “then look at $80,000 that need some improvement and figure spending of the fact that we probably one ofis indicative the primary indicators used some areas out how to ride the current economic wave and raise underfund education and, at some point, that is 1.6% $70,000 to gauge the health of the nation’s all boats.” going to hurt us.” 1 upat ppunitedway.org. CSBJ Potential use of the fullGross report is wide-ranging. The The full report is available economy. metropolitan

[

$60,000

2.0%

] n

product (GMP) is the local $50,000 equivalent measure. Between 2014 0.9% $40,000 and 2015, the Colorado Springs THURSDAY, APRIL 13TH 11 AM - 3PM $30,000 MSA per capita real GMP grew by DOUBLE TREE HOTEL Colorado Springs 0.9% when adjusted for inflation $20,000 and regional price differences.Members $49; non-members $59 $10,000 These adjustments allow us to .............. $0 compare GMP to otherRegister @ eWomenNetwork.com Austin Boulder Colorado De or call: 719.822.1998 metropolitan areas. It is important Springs to remember that although our Percentage change compares 2015 to 2014 Per Capita region could definitely improve in Data adjusted to account for differences in regional p You’re invitedterms to join an summit with dynamic women entrepreneurs ofextraordinary GMP, oursuccess younger than Source: U.S. Bureau of Economic Analysis from everywhere. We are a network of women supporting women in business and life. average age will pull down this Discover your “Worth-Set” and how to monetize your expertise, product and services metric. The median age in the U.S. with the master of women’s entrepreneurship, Sandra Yancey, Founder & CEO, of in 2015 was 37.8 years, whereas it North America. eWomenNetwork, the #1 women’s business network in was 34.2 years in the Colorado Join award-winning entrepreneur, Springs MSA according Sandra to theYancey, U.S. Founder & CEO, eWomenNetwork, on her 8th Women’s Success Summit Census Bureau’s American Tour asCommunity she shares her proven business-building formulas to Survey. attract more customers, expand your marketing and branding 15 reach and increase your cash flow. Visit ppunitedway.org

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Julie Miller Davis Managing Director

24 March 10 - March 16, 2017

Colorado Springs Business Journal

Diamond: A cut above Hanson: Brain builder From page 7

on the yellow color inside of diamonds. Subatomically, gas is trapped inside a diamond and that’s what creates its color. The GIA is saying the yellow is from nitrogen, when I believe it’s H2P1N1 — two parts hydrogen, one part phosphorous and nitrogen — so it’s more hydrogen than anything. The colors inside diamonds, I feel, connect the entire universe. There are big blue stars that burn blue because of boron. The gas inside a blue diamond is boron. I believe the gas inside a yellow diamond connects us to our sun, which is essentially H2P1N1.

How is retail changing among Millennials? We have an amazing advantage being in jewelry. Yes, you have Amazon and all sorts of websites trying to get into jewelry, but if you’re not looking at [the product], you don’t really know what you’re getting. This year alone I’ve had six people come in with [a diamond purchased online] that was four grades off. … I think a lot of online companies didn’t expect the overhead of postage because so many people are sending items back because it’s not exactly what they thought it was.

“The colors inside diamonds, I feel, connect the entire universe.”

Have other members of your family worked here? It’s kind of a run— Andrew ning joke in the family. Everyone has had a try, but not everybody is cut out for retail. … I have three step-siblings and one biological brother. Everybody has worked here — some a lot less time than others. My stepsister is the funniest. She’s a nurse practitioner. But when she was in nursing school she worked here one Christmas season and she said she was going back to nursing because it was easier! For me, after being on a ship for nine months at a time, retail is easy.

Any advice for your generation? Be flexible. MillenGraff nials are the largest of the working generations right now — the Traditionalists, the Baby Boomers, Generation X, Millennials and iGen, who are 19 and under. As the largest group, we need to conduct ourselves accordingly. We set the pace for everybody else. Anything else you want to add? I’m so proud of my mom. People can call me a mama’s boy. It’s OK. I’m truly proud of everything she’s done. CSBJ

From page 4

How does one become a franchise owner? We have a process that includes a couple of qualification calls — we learn about them, they learn about us. We’ll also have a ‘discovery day’ where we’ll answer any questions and let them see our system and all the tools we have. Our job is to give them the tools to be successful. Then they go through intensive interviewing. We’re looking for people who align with our core values. We work with pretty precious people, so we need precious people to work with them. Talk about your encounter with the Federal Trade Commission. That was a tough thing we went through last year. The FTC decided to go after the brain-training industry. It’s a newer industry, and it’s growing. It’s inviting. They were claiming that we couldn’t change someone’s cognitive skill but we had proof and experts behind us. They looked at the big players in digital, and we were the big player in one-on-one. What’s cool though

is that we had such a huge body of evidence. We also had [randomized control trials], which is a new standard that was being set as we went. We came out of that experience very refined — there were other companies that went out of business. We probably would have fought it in federal court, but they brought everything down to such a small claim [from $4 million to $200,000], it made sense to settle. What’s your future in Colorado Springs? We love doing business in Colorado Springs. We hold our national convention here every year. … We work with a lot of ministries here, a lot of schools. We’ve worked with soldiers and hospitals. Colorado Springs has been an awesome place to do business. As for the future, we’re about to hit a milestone of 100,000 brains trained. It’s something I’m super proud of — to take my dad’s legacy into the future is pretty cool. … I take the stewardship of it very seriously. But in the next 10 years, I’d like to hit 300,000 brains. CSBJ n

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March 10 - March 16, 2017

OTHER VOICES

How to attract and retain talent in tech

fter 17 years in the information technology staffing industry, I’ve seen cutthroat competition between companies vying for talent, then struggling to retain employees. For years, IT has been a dominant industry for new hires and, according to the U.S. Bureau of Labor, IT jobs will increase 22 percent by 2020. S U T Z In Colorado, the unemployment rate is 4.2 percent; in the IT sector, it’s 2.4 percent. A recent article on Monster.com stated that the cybersecurity unemployment rate is zero. Locally, many companies have funding approval and government contracts but cannot find the talent. What can be done to improve your recruitment and retention?

your decision-making? If your company takes the we’lldo-more-with-less attitude, this will lead to employee burnout and increased attrition rates in an industry where employee turnover is high enough already. By offering flexibility and work-from-home options, your employees will be healthier, happier and more productive.

COMPETITIVE SALARY AND BENEFITS

OFFER CAREER ADVANCEMENT

Graym

While a higher salary might be obvious, it’s worth bringing up. If the difference between being able to hire or retain an employee is an additional 20 percent salary increase per year, it could be time to look at your bottom line. How many opportunities have you passed up because you didn’t have the staff to handle the increased bandwidth? If you plan to stack the odds in your favor, it may be worthwhile to offer a signing bonus in addition to a competitive salary. As a recruiter, I see many companies lament their inability to find qualified people — yet these companies aren’t offering bonuses, 401k matches and other standard amenities. These are basic benefits; you shouldn’t expect to attract good employees without them.

WORK-LIFE BALANCE Does your company offer flexible work schedules? If not, you’re missing out on attracting top talent, especially Millennials, who see this as a must-have rather than a special privilege. Are you strategic in

TRAIN YOUR CURRENT EMPLOYEES If you’re looking for a specific skill set that’s hard to obtain, why not train your current employees to develop new skills? Most employees would be eager to learn — and you already know they are reliable and hardworking. Looking for someone with a specific hot new skill set such as Microsoft Lync can be counterproductive. Rather than searching for months, pay to have employees trained in Lync and earn higher revenues with those capabilities. If your company doesn’t offer additional career prospects, upwardly mobile employees will soon migrate. More than three-quarters of engineers would leave their current company for career advancement, according to Workforce.com. Even if it means offering additional training or creating new positions for high-potential employees, the costs associated with retaining existing employees will benefit the whole organization.

CREATE AN ENVIRONMENT IN WHICH PEOPLE WANT TO STAY A recent Workforce.com article stated that more than half of engineers would take a job for less money if they liked the culture of the company. Culture has only a little to do with the snacks you provide and a lot more to do with encouraging a positive, collaborative and high-energy environment (beginning at the top). To gain loyalty, show appreciation and encourage employees. Provide opportunities for training and

mentoring; spontaneous fun in the office (when was the last time you brought in breakfast burritos for the team?); planned employee volunteer days; Friday happy hours; and regular check-ins with employees to see if their needs are being met and they feel fully supported by their peers and upper management.

ASK ENGINEERS TO HELP RECRUIT STAFF Now that your engineers and tech staff are happy and plan to stay with your company, ask them to assist you in recruitment efforts. Happy employees are happy to oblige. Most software engineers tend to find new jobs through online job sites (71 percent). But nearly two thirds said that social media outreach from other engineers is also an effective way to learn about opportunities, according to Glassdoor. It could also be helpful to host a meet-up at your company for prospective employees to mingle with current engineers and ask them questions.

STATISTICAL MOTIVATION TinyPulse, an employee-engagement company, states that 25 percent of employees would leave their current jobs for only a 10-percent raise. Across all industries, employee tenure has lowered slightly to 4.2 years (Bureau of Labor Statistics). But in the technology industry, turnover has increased each year since 2012 and tenure hovers around three years, according to employee engagement community Hppy. Savvy employers offer perks and maintain a friendly culture. Training and hiring a new employee can cost as much as an annual salary, so even smaller businesses should seriously consider increasing compensation, offering perks, flexible hours, training opportunities and mentors to attract and retain employees. Graym Sutz is branch director of Blackstone Staffing Services in downtown Colorado Springs and has 17 years of national IT technical recruiting, sales and management experience. Sutz has a Bachelor of Science degree in business and service management from UCCS.

All sides should applaud cleaner burning fossil fuels

ot all fossil fuels are created equally — at least with respect to their carbon footprint. The good news is: The United States has been transitioning to less carbon-inM AT T H E W S tensive fossil fuels. The bad news: Neither the media nor environmentalists seem to care. According to the U.S. Energy Information Administration, burning coal produces between 205.7 and 228.6 pounds of CO2 emitted per million British thermal units (BTUs) of energy. Diesel fuel and heating oil produce 161.3 pounds of CO2 per million BTUs, while gasoline comes in at 157.2 and propane at 139. Natural gas is the clear winner: 117 pounds/million BTUs — nearly half that of coal. So if the policy goal is to reduce carbon emissions while ensuring the country has the energy it needs, we would be using more natural gas and less coal. And

Merrill

that’s exactly what’s happening, thanks to innovation and the free market. The EIA points out that in the late 1980s, coal was responsible for nearly 60 percent of U.S. electricity generation, while natural gas registered about 10 percent. By 2016, natural gas was up to 33 percent and coal was down to 32 percent. As a result, U.S. carbon emissions for the first six months of 2016 declined to their lowest point since 1991, when there were 70 million fewer Americans. When all greenhouse gas emissions are included, we’re still at the lowest point since 1993. The big driver behind the emissions decline was innovation and the market. The U.S. had peaked on natural gas production until the advent of hydraulic fracturing, or “fracking,” which vastly expanded the country’s retrievable natural gas resources. As production increased, supplies grew and the price of gas (naturally) declined. As power plants began shifting to natural gas, carbon emissions dropped. But there’s more. Not all crude oil is created equally either. There is heavy, bituminous crude oil that comes from

California and Canada. And there’s light sweet crude, which is much less carbon-intensive. The fracking process, which allows producers to extract crude oil from deep shale formations, now accounts for 52 percent of U.S. crude oil production. That shale oil has a lower carbon footprint than tar sands oil. Thus, to the extent that fracking can increase access to natural gas and light crude oil, U.S. carbon emissions should continue to decline. Ironically, instead of cheering these trends, environmentalists deplore them, doing all they can to encourage state legislatures and city councils to limit or prohibit fracking — even though only 14 states actually have a significant amount of fracking, according to Governing Magazine. The problem is that clean energy sources pushed by environmentalists — wind, solar, biomass — can only replace a small amount of energy (about

7 percent) needed to drive our electricity-generating plants. And they have almost no impact on cars, trucks and heavy equipment. Clean energy cannot replace fossil fuels today, and probably won’t for decades — if then. Thus the nation’s policy should be to support “bridge fuels” — i.e., cleaner burning fossil fuels — made possible by fracking. Environmentalists used to acknowledge the need for bridge fuels, but many no longer do. They see all fossil fuels as created equally, which is manifestly — and scientifically — incorrect. The U.S. has made more progress cutting its carbon footprint than nearly all of the countries that criticize us. We’ve done it by embracing innovation and the free market. Merrill Matthews is a resident scholar with the Institute for Policy Innovation in Dallas, Texas. Follow at twitter.com/ MerrillMatthews.

Clean energy cannot replace fossil fuels today, and probably won’t for decades — if then.

26 March 10 - March 16, 2017

Colorado Springs Business Journal

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PUBLIC NOTICES 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

NOTICE OF CONTRACTOR’S FINAL SETTLEMENT

NOTICE OF TECHNOLOGY SYSTEMS INSTALLER FINAL SETTLEMENT

Notice is hereby given that, pursuant to C.R.S. 38-26-107, Cheyenne Mountain School District 12, El Paso County, Colorado Springs, Colorado, has established Monday, March 20, 2017, at 2:00 p.m., as the date and time of final settlement with G. E. Johnson Construction Company, Inc., Construction Manager/General Contractor (CMGC) for construction activities associated with the Project at:

Notice is hereby given that, pursuant to C.R.S. 38-26-107, Cheyenne Mountain School District 12, El Paso County, Colorado Springs, Colorado, has established Monday, March 20, 2017, at 2:00 p.m., as the date and time of final settlement with Flair Data Systems, Inc., Technology Systems Installer, for construction activities associated with the Project at:

Cheyenne Mountain HS Additions and Remodel Cheyenne Mountain School District 12 1200 Cresta Road Colorado Springs, CO 80906

This Notice applies to building and site improvements of the Project including the building additions, building renovations, landscaping and site work completed 2015 – 2017 as part of the 2014 bond project.

This Notice applies to phone, computer network and wireless data systems in the building improvements of the Project which includes the building additions, building renovations, and exterior work completed in 2016 – 2017 as part of the 2014 bond project.

Any person, co-partnership, association of persons, company, corporation, or entity who has an unpaid claim against the CMGC or any subcontractors on the Project for or on account of the furnishing of labor, materials, rental machinery, tools or equipment, sustenance, provisions, or other supplies used or consumed by the CMGC, or any subcontractor, in or about the performance of work on the Project as described above, may file at any time up to and including the time of final settlement, a verified statement of the amount due and unpaid on account of such claim with the Board of Education of the School District, c/o the Superintendent of Schools, at the following office:

Any person, co-partnership, association of persons, company, corporation, or entity who has an unpaid claim against the Technology Systems Installer or any subcontractors on the Project for or on account of the furnishing of labor, materials, rental machinery, tools or equipment, sustenance, provisions, or other supplies used or consumed by the Technology Systems Installer, or any subcontractor, in or about the performance of work on the Project as described above, may file at any time up to and including the time of final settlement, a verified statement of the amount due and unpaid on account of such claim with the Board of Education of the School District, c/o the Superintendent of Schools, at the following office:

Board of Education % Dr. Walt Cooper, Superintendent Cheyenne Mountain School District 12 1775 LaClede Street Colorado Springs, CO 80905

Failure on the part of a claimant to file such statement prior to the established date and time of final settlement will relieve Cheyenne Mountain School District 12 from any and all liability for such claimant’s claim.

Date: February 22, 2017

Cheyenne Mountain School District 12

By: Richard L. Huwa Owner’s Representative

28 March 10 - March 16, 2017

Colorado Springs Business Journal

PUBLIC NOTICES 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. 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 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 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. 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. 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

Colorado Springs Business Journal

March 10 - March 16, 2017

PUBLIC NOTICES 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 - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601234 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 15, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): BRADLEY D. WELLS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: February 12, 2010 County of Recording: El Paso Recording Date of Deed of Trust: February 17, 2010 Recording Information (Reception No. and/or Book/Page No.): 210014710 Original Principal Amount: $131,572.00 Outstanding Principal Balance: $117,785.28 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 5 IN BLOCK 2 IN STETSON HILLS SUBDIVISION FILING NO. 7, EL PASO COUNTY, COLORADO. Also known by street and number as: 4650 ACKLEY COURT, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/19/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/24/2017

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601236 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 15, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): KRYSTINA J ROSARIO Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR CALIBER HOME LOANS, INC., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: July 31, 2015 County of Recording: El Paso Recording Date of Deed of Trust: August 06, 2015 Recording Information (Reception No. and/or Book/Page No.): 215085048 Original Principal Amount: $181,943.00 Outstanding Principal Balance: $179,257.50 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 87, CHAPARRAL POINT AT INDIGO RANCH FILING NO. 1, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 7667 CALYPSO DRIVE, COLORADO SPRINGS, CO 80923-5424. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/19/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all

as provided by law. First Publication: 2/24/2017 Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/15/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013768 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601248 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 19, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Shawn Sweat and Kenley Sweat Original Beneficiary(ies): Wells Fargo Bank, N.A. Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: June 30, 2010 County of Recording: El Paso Recording Date of Deed of Trust: July 02, 2010 Recording Information (Reception No. and/or Book/Page No.): 210063971 Original Principal Amount: $189,800.00 Outstanding Principal Balance: $170,034.72 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 32, WAGON TRAILS SUBDIVISION FILING NO. 31, IN THE CITY OF COLORADO SPRINGS, STATE OF COLORADO Also known by street and number as: 7262 Grand Prairie Drive, Colorado Springs, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/19/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 2/24/2017

Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/19/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Eve Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-755673-LL The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601254 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 21, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): CONNIE E. MCROY Original Beneficiary(ies): PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: April 23, 2008 County of Recording: El Paso Recording Date of Deed of Trust: May 06, 2008 Recording Information (Reception No. and/or Book/Page No.): 208052079 Original Principal Amount: $111,345.00 Outstanding Principal Balance: $106,076.58 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 5, IN BLOCK 12, IN SMARTT’S SUBDIVISION NO.5 FILING NO.2, IN THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK Z AT PAGE 79, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 118 BALFOUR AVENUE, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/19/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication: 2/24/2017 Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/21/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013450 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601256 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 21, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Jeremy J Dixon Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for Mortgage Solutions of Colorado Current Holder of Evidence of Debt: Ocwen Loan Servicing, LLC Date of Deed of Trust: February 06, 2009 County of Recording: El Paso Recording Date of Deed of Trust: February 23, 2009 Recording Information (Reception No. and/or Book/Page No.): 209017319 Original Principal Amount: $202,240.00 Outstanding Principal Balance: $197,749.88 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 49, IN SUMMERNIGHT SUBDIVISION, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 1916 Summernight Terrace, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/19/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

30 March 10 - March 16, 2017

Colorado Springs Business Journal

PUBLIC NOTICES First Publication: 2/24/2017 Last Publication: 3/24/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/21/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David A. Shore #19973 Hellerstein and Shore, P.C. 5347 S. Valentia Way, Suite 100 Greenwood Village, CO 80111 (303) 573-1080 Attorney File # 16-00558SH The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601257 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 22, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JOHN J. PRITCHARD Original Beneficiary(ies): FIRST COMMUNITY MORTGAGE, A DIVISION OF FIRST COMMUNITY BANK Current Holder of Evidence of Debt: COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust: June 12, 2007 County of Recording: El Paso Recording Date of Deed of Trust: June 19, 2007 Recording Information (Reception No. and/or Book/Page No.): 207082463 Original Principal Amount: $82,602.00 Outstanding Principal Balance: $69,304.07 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. SEE ATTACHED LEGAL DESCRIPTION EPC201601257 LEGAL DESCRIPTION CONDOMINIUM UNIT E IN BUILDING 3450 IN SIERRA POINT CONDOMINIUMS, (FORMERLY KNOWN AS SNAPFINGER WOODS CONDOMINIUMS), ACCORDING TO THE AMENDED CONDOMINIUM MAP FOR SNAPFINGER WOODS CONDOMINIUMS RECORDED ON JUNE 22, 1981 AND RECORDED IN BOOK 2 AT PAGE 58, RECEPTION NO. 781667, IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF THE COUNTY OF EL PASO, COLORADO, AND AS DEFINED AND DESCRIBED IN THE AMENDED AND RESTATED CONDOMINIUMS DECLARATION FOR SIERRA POINTE CONDOMINIUMS, (FORMERLY KNOWN AS SNAPFINGER WOODS CONDOMINIUMS), RECORDED MAY 22, 1986 IN BOOK 5173 AT PAGE 1468, RECEPTION NO. 1399203, IN SAID RECORDS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3450 PARKMOOR VILLAGE DRIVE UNIT E, COLORADO SPRINGS, CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/26/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/3/2017 Last Publication: 3/31/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/22/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013869 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/26/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/3/2017 Last Publication: 3/31/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/27/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Erin Robson #46557 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-16-757491-LL The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601263 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 27, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): Analee H McIntyre Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Peoples Mortgage Corporation, a Colorado Corporation Current Holder of Evidence of Debt: JPMorgan Chase Bank, National Association Date of Deed of Trust: February 25, 2010 County of Recording: El Paso Recording Date of Deed of Trust: March 05, 2010 Recording Information (Reception No. and/or Book/Page No.): 210021212 Original Principal Amount: $149,737.00 Outstanding Principal Balance: $132,568.01 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3, BLOCK 1, R & B SUBDIVISION, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3019 Mission St, Colorado Springs, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601265 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 27, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): LEONARD ARCOS Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR HOMEAMERICAN MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: October 03, 2012 County of Recording: El Paso Recording Date of Deed of Trust: October 09, 2012 Recording Information (Reception No. and/or Book/Page No.): 212118275 Original Principal Amount: $239,394.00 Outstanding Principal Balance: $221,018.87 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 9, BLOCK 10, BANNING LEWIS RANCH FILING NO. 7, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6664 MONTEREY PINE LOOP, COLORADO SPRINGS, CO 80927. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE

DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/26/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/3/2017 Last Publication: 3/31/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/27/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013886 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/26/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/3/2017 Last Publication: 3/31/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/28/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013807 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601266 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 28, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): STEVEN DAVIS AND MELINDA D. DAVIS Original Beneficiary(ies): WELLS FARGO HOME MORTGAGE, INC. Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: February 20, 2004 County of Recording: El Paso Recording Date of Deed of Trust: March 01, 2004 Recording Information (Reception No. and/or Book/Page No.): 204034115 Original Principal Amount: $195,417.00 Outstanding Principal Balance: $187,289.70 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 29, RIDGEVIEW AT STETSON HILLS FILING NO. 3, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5841 HUERFANO DRIVE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601271 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 28, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): MICHAEL J. MONTOYA Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR ACADEMY MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: June 15, 2012 County of Recording: El Paso Recording Date of Deed of Trust: June 15, 2012 Recording Information (Reception No. and/or Book/Page No.): 212069115 Original Principal Amount: $210,429.00 Outstanding Principal Balance: $192,050.84 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 3 IN EASTVIEW ESTATES FILING NO. 2, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as: 7643 STEWARD LANE, COLORADO SPRINGS, CO 80922. THE PROPERTY DESCRIBED HEREIN

IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 04/26/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/3/2017 Last Publication: 3/31/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/28/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013917 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601281 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 30, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): RONIE RALSTON HUDDLESTON JR Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VA MORTGAGE CENTER OF COLORADO SPRINGS, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: October 01, 2012 County of Recording: El Paso Recording Date of Deed of Trust: October 02, 2012 Recording Information (Reception No. and/or Book/Page No.): 212115888 Original Principal Amount: $155,000.00 Outstanding Principal Balance: $144,392.40 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 6, BLOCK 10, AUSTIN ESTATES SUBDIVISION NO. 2, IN THE CITY OF COLORADO SPRINGS, EL PASO COUNTY, COLORADO. Also known by street and number as:

Colorado Springs Business Journal

March 10 - March 16, 2017

PUBLIC NOTICES 1405 QUERIDA DRIVE, COLORADO SPRINGS, CO 80909. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 05/03/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/10/2017 Last Publication: 4/7/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/30/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013958 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201601282 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On December 30, 2016, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): CHARLES WOOD AND SHELLI WOOD Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: SELENE FINANCE LP Date of Deed of Trust: April 24, 2008 County of Recording: El Paso Recording Date of Deed of Trust: April 24, 2008 Recording Information (Reception No. and/or Book/Page No.): 208047272 Original Principal Amount: $248,598.00 Outstanding Principal Balance: $215,127.06 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 32, ANTELOPE CREEK SUBDIVISION FILING NO. 3, IN THE CITY OF COLORADO SPRINGS, COUNTY OF

EL PASO, STATE OF COLORADO. Also known by street and number as: 6726 WAGON RIDGE DRIVE, COLORADO SPRINGS, CO 80923. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 05/03/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/10/2017 Last Publication: 4/7/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 12/30/2016 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013744 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700007 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On January 4, 2017, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of El Paso records. Original Grantor(s): JEFFREY E. CARR Original Beneficiary(ies): PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: October 09, 2009 County of Recording: El Paso Recording Date of Deed of Trust: October 16, 2009 Recording Information (Reception No. and/or Book/Page No.): 209121142 Original Principal Amount: $178,829.00 Outstanding Principal Balance: $193,972.89 Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof. THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN. LOT 2, BLOCK 3, VILLA LOMA SUBDIVISION FILING NO. 7, EL PASO COUNTY, COLORADO. Also known by street and number as: 2531 SIERRA DRIVE, COLORADO SPRINGS,

CO 80917. THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 05/03/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law. First Publication: 3/10/2017 Last Publication: 4/7/2017 Name of Publication: Colorado Springs Business Journal IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 01/04/2017 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 16-013973 The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose. ©Public Trustees’ Association of Colorado Revised 1/2015 NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. EPC201600476 To: Record Owner of the property as of the recording of the Notice of Election and Demand or other person entitled. You are advised that there are overbid funds due you. This Notice is given with regard to the following described Deed of Trust and Notice of Election and Demand: Name of Record Owner as evidenced on the Notice of Election and Demand or other person entitled: Brent L Drumm Address of Record Owner as evidenced on the recorded instrument evidencing the owner’s interest: 1602 East Platte Avenue, Colorado Springs, CO 80909—5621 Recording Date of Deed of Trust: October 03, 2011 Recording Information: 211095935 Recording Date of Notice of Election and Demand: April 15, 2016 Recording Information of Notice of Election and Demand: 216038364 Legal Description of Property THE WEST 55 FEET OF LOTS 7 AND 8, BLOCK 59, EAST END ADDITION TO THE CITY OF COLORADO SPRINGS, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK E AT PAGE 26 IN THE OFFICE OF THE COUNTY CLERK AND RECORDER OF EL PASO COUNTY, COLORADO, COUNTY OF EL PASO, STATE OF COLORADO. Street Address of Property 1602 East Platte Avenue, Colorado Springs, CO 80909 NOTICE OF UNCLAIMED OVERBID FUNDS

I sold at public auction, at 10:00 on 11/16/16, at Robert Russel Building, 105 East Vermijo, Suite 120, Colorado Springs, Colorado, 80903, to the highest and best bidder for cash, the real property described above. An overbid was realized from the sale and, unless the funds are claimed by the owner or other persons entitled thereto within five years from the date of sale, the funds due to you will be transferred to the general fund of the County of El Paso, State of Colorado, or to the State Treasurer as part of the “Unclaimed Property Act”, pursuant to Colorado law. First Publication: 2/24/17 Last Publication: 3/24/17 Name of Publication: Colorado Springs Business Journal Date: 2/1/17 Thomas S. Mowle, Public Trustee in and for the County of El Paso, State of Colorado By: Thomas S. Mowle, Public Trustee ©Public Trustees’ Association of Colorado Revised 9/2012 NOTICE OF UNCLAIMED OVERBID FUNDS CRS 38-38-111(2.5b)(3a,b,d)(5) PUBLIC TRUSTEE SALE NO. 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

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